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Kualitas Produk, Pelayanan dan Nilai Syariah terhadap Persepsi Mahasiswa Ekonomi Islam untuk Menjadi Nasabah Bank Syariah Azhar Muttaqin, Dian Azmi Dinaratu
FALAH Jurnal Ekonomi Syariah Vol 2, No 2 (2017)
Publisher : FALAH Jurnal Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (479.688 KB) | DOI: 10.22219/falah.vol2.No2.196-210

Abstract

This study aims to determine how much influence the perception of Islamic economics students about product quality, service quality, and sharia value of interest to become customers of Islamic Bank. The result of data processing shows that the perception of product quality and service quality perception have positive and significant effect on the interest to become the customer of Islamic Bank proven with probability value (sig.) Of 0.000 <0,05. While the variable of perception of syariah value have positive and insignificant effect on interest to become customer of Islamic bank with result of probability value (sig.) Equal to 0,888> 0,05. Variable perception of product quality has the greatest and significant influence to the interest of becoming a customer of Islamic Bank indicated by t value counted 5,042. The perception of product quality, service quality, and sharia value influence 50,7% to interest to become customer of Islamic Bank in view from Adjusted R Square value and 49,3% (100% - 50,7%) influenced by other variable outside variable The selected.
Korelasi Antara Penerapan Akad Mudharabah dan Profitabilitas Pada Bank Syariah Mandiri Nuraini, Nuraini; Muttaqin, Azhar
FALAH: Jurnal Ekonomi Syariah Vol 3, No 1 (2018)
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (350.07 KB) | DOI: 10.22219/jes.v3i1.5832

Abstract

This research aims to know the correlation between implementation of mudharabah and the profitability in the Bank Syari’ah Mandiri. Quantitative approach was used in this research with Bank Syari’ah Mandiri as the subject. The research based on mudharabah development in Bank Syariah Mandiri, and it was observed from the data of financial statements that have been published in 2012 to 2016. The method is collecting data from Bank Syariah Mandiri financial statements in 2012 to 2016 and observing the data. Independent variable in this research is mudharabah and its dependent variable is profitability. The statistical method of data analysis used is a simple regression. The result showed that mudharabah as independent variable has correlation with profitability as dependent variable. It could be seen from the significant value which is 0,023 <0,05. Based on the significant value of the coefficient table can be said that mudharabah has a correlation with profitability positively and significantly, which is 0.023 <0.05.
Hillah Hukmi dalam Pengembangan (Legal Reform) Fatwa DSN MUI Tentang Pelaksanaan PPR Inden Syariah Azhar Muttaqin
El-Faqih : Jurnal Pemikiran dan Hukum Islam Vol 8 No 1 (2022): EL FAQIH
Publisher : Institut Agama Islam (IAI) Faqih Asy'ari Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29062/faqih.v8i1.548

Abstract

This article discusses Hillah Hukmi in the context of developing the Fatwa of DSN-MUI regarding the implementation of the Sharia Inden PPR. The focus of the study is on analyzing indications of the use of hillah hukmi in the way the DSN-MUI stipulates a law. Especially in fatwa 101/DSN-MUI/X/2016 regarding the al-Ijaarah al-Maushuufah Fii al-Dzimmah contract or commonly abbreviated as IMFD. The research method used is qualitative by conducting content analysis which is commonly used in library research models with a normative juridical approach. This article finds that in the development of the fatwa of DSN-MUI in order to support the development of Islamic financial institutions, it is indicated to use the concept of hillah hukmi. This can be seen when the implementation of the Indent PPR Sharia is allowed using the Ijaarah al-Maushuufah Fii Dzimmah (IMFD) contract. DSN-MUI issued the fatwa because it was considered an alternative that could solve the problem of Indent PPR which was often hampered, and also became a complementary contract to the Musyaraakah Mutanaaqishah (MMQ) and Ijaarah Muntahiyah Bi Tamliik (IMBT) contracts. IMFD is indicated to contain hillah because the terms and substance of the contract are different. Namely, making the lease contract as the basis for allowing home ownership even though the essence of the contract is the sale and purchase of greetings. Qualitatively, this article reveals how the legal development carried out by the DSN-MUI in this way, especially in order to respond to public demands for the issuance of a fatwa that is able to accommodate the need for ownership of indent houses based on sharia principles.
Kualitas Produk, Pelayanan dan Nilai Syariah terhadap Persepsi Mahasiswa Ekonomi Islam untuk Menjadi Nasabah Bank Syariah Dian Azmi Dinaratu Azhar Muttaqin
Falah: Jurnal Ekonomi Syariah Vol. 2 No. 2 (2017)
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v2i2.5106

Abstract

This study aims to determine how much influence the perception of Islamic economics students about product quality, service quality, and sharia value of interest to become customers of Islamic Bank. The result of data processing shows that the perception of product quality and service quality perception have positive and significant effect on the interest to become the customer of Islamic Bank proven with probability value (sig.) Of 0.000 <0,05. While the variable of perception of syariah value have positive and insignificant effect on interest to become customer of Islamic bank with result of probability value (sig.) Equal to 0,888> 0,05. Variable perception of product quality has the greatest and significant influence to the interest of becoming a customer of Islamic Bank indicated by t value counted 5,042. The perception of product quality, service quality, and sharia value influence 50,7% to interest to become customer of Islamic Bank in view from Adjusted R Square value and 49,3% (100% - 50,7%) influenced by other variable outside variable The selected.
Korelasi Antara Penerapan Akad Mudharabah dan Profitabilitas Pada Bank Syariah Mandiri Nuraini Nuraini; Azhar Muttaqin
Falah: Jurnal Ekonomi Syariah Vol. 3 No. 1 (2018)
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v3i1.5832

Abstract

This research aims to know the correlation between implementation of mudharabah and the profitability in the Bank Syari’ah Mandiri. Quantitative approach was used in this research with Bank Syari’ah Mandiri as the subject. The research based on mudharabah development in Bank Syariah Mandiri, and it was observed from the data of financial statements that have been published in 2012 to 2016. The method is collecting data from Bank Syariah Mandiri financial statements in 2012 to 2016 and observing the data. Independent variable in this research is mudharabah and its dependent variable is profitability. The statistical method of data analysis used is a simple regression. The result showed that mudharabah as independent variable has correlation with profitability as dependent variable. It could be seen from the significant value which is 0,023 <0,05. Based on the significant value of the coefficient table can be said that mudharabah has a correlation with profitability positively and significantly, which is 0.023 <0.05.
Perlindungan Hukum Konsumen dalam Jual Beli Online dengan Jasa Escrow Arya Putra Perdana; Azhar Muttaqin; Sofyan Arief
Notary Law Journal Vol. 1 No. 2 (2022): April
Publisher : Program Studi Kenotariatan Fakultas Hukum Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (360.661 KB) | DOI: 10.32801/nolaj.v1i2.14

Abstract

Tujuan peneitian ini adalah untuk mengetahui bagaimana perlindungan terhadap konsumen yang menggunakan jasa escrow dalam melakukan transaksi jual beli online dilihat dari hukum positif melalui undang-undang perlindungan konsumen, undang-undang informasi dan transaksi elektronik, peraturan pemerintah tentang penyelenggaraan sistem transaksi elektronik dan undang-undang perdagangan. Sedangkan melalui hukum islam melalui Muamalah, Samsarah, Al-Ba’i, Perikatan Islam dan Khiyar.Penelitian ini menggunakan jenis penelitian hukum normatif, serta menggunakan sumber bahan hukum primer berupa Al-Qur’an, Hadis, Fikih, hasil Ijtihad ulama, Undang-Undang Nomor 08 Tahun 1999  tentang Perlindungan Konsumen, Undang - Undang Nomor 11 Tahun 2008 tentang Informasi dan Transaksi Elektronik, Peraturan Pemerintah Nomer 82 Tahun 2012 tentang Penyelenggaraan Sistem dan Transaksi Elektronik,  Undang - Undang Nomor 7 Tahun 2014 tentang Perdagangan. Bahan hukum sekunder seperti pendapat ahli hukum, teori, hasil karya dari kalangan hukum, penelusuran internet, artikel ilmiah, jurnal, dan makalah. Sedangkan bahan hukum tersier berupa kamus, ensiklopedia dan sebagainya.Hasil dari penelitian ini menunjukan bahwa Perlindungan Hukum Terhadap Konsumen dalam Praktik Jual Beli Online dengan Jasa Escrow Menurut Hukum   Positif Dan Hukum Islam sudah sangat baik dilakukan oleh toko online penyedia jasa escrow, hal ini berdasarkan isi syarat dan ketentuan dari toko online yang sesuai dengan pasal-pasal yang ada dalam Undang-Undang Nomor 08 Tahun 1999  tentang Perlindungan Konsumen, Undang - Undang Nomor 11 Tahun 2008 tentang Informasi dan Transaksi Elektronik, Peraturan Pemerintah Nomer 82 Tahun 2012 tentang Penyelenggaraan Sistem dan Transaksi Elektronik,  Undang - Undang Nomor 7 Tahun 2014 tentang Perdagangan. Namun dari 6 tujuan perlindungan konsumen ada 1 poin yang tidak terpenuhi karena penyedia jasa toko online membuat standart contract untung melepaskan tanggung jawab mengganti kerugian penggunanya. Begitu pula dalam hukum Islam, standart contract tentang pelepasan tanggung jawab tidak sesuai dengan prinsip keadilan dalam muamalah.