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All Journal Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Manajemen dan Kewirausahaan Sharing: Journal Of Islamic Economics, Management And Business
Estelee Elora Akbar
Universitas Islam An Nur Lampung
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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RESTRUKTURISASI PEMBIAYAAN BANK SYARIAH INDONESIA Estelee Elora Akbar
Jurnal Ilmiah Manajemen dan Kewirausahaan (JUMANAGE) Vol 2 No 1 (2023): Volume 2 Nomor 1 Januari 2023
Publisher : LPPM Universitas Dinamika Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (640.15 KB) | DOI: 10.33998/jumanage.2023.2.1.711

Abstract

Dilaksanakan riset ini dalam rangka mengkaji serta menganalisa terkait restrukturisasi pembiayaan terhadap laba perusahaan Bank Syariah Indonesia. Riset ini merupakan jenis riset kualitatif dengan metode pengumpulan data observasi, wawancara dan dokumentasi serta metode analisis data triangulasi data. Hasil riset ini menemukan bahwa restrukturisasi pembiayaan yang dilakukan oleh Bank Syariah Indonesia Area Kota Bandar Lampung melalui penjadwalan kembali (rescheduling), persyaratan kembali (reconditioning), penataan kembali (restructuring) sesuai dengan ketentuan dari Bank Indonesia. Restrukturisasi yang dilakukan berdampak bagi peningkatan laba perusahaan, Laba yang di peroleh perusahaan pada tahun 2019 memperoleh laba sebesar 1.952 miliyar rupiah, meningkat sebesar 12% pada tahun 2020 dengan memperoleh laba sebesar 2.187 miliyar rupiah dan meningkat sebesar 38,4% pada tahun 2021 dengan memperoleh laba 3.028 miliyar rupiah.  
STRATEGI USAHA PEDAGANG KAKI LIMA (PKL) DI KOTA METRO: PASCA PANDEMI COVID-19: (Studi Kasus pada PKL di Jl. Kihajar Dewantara Metro Timur) Ditta Nurhidayanti; Estelee Elora Akbar
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 12 No. 1 (2023): MARET
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (75.291 KB) | DOI: 10.31959/jm.v12i1.1359

Abstract

The purpose of this study is to identify and analyze the sales strategies of street vendors (PKL) in Metro City: Post-covid-19 pandemic. This research was conducted on Jl. Ki Hajar Dewantara, East Metro sub-district, Metro City, Lampung Province. This type of research is descriptive qualitative research. The data source used is the primary data source. Collecting data in this study using observation, interviews and documentation. The results that can be concluded in this study are identifying trading strategies that must be implemented by street vendors who are affected by Covid 19. At the beginning of the pandemic, their income had decreased but over time they were able to get up and maintain their business. The strategy for street vendors on Jl. Ki Hajar Dewantara in maintaining his business in the midst of the Covid 19 pandemic, including by expanding market share by going online, creating new products and cooperating with other business actors.
Studi Komparasi Gadai Emas Pegadaian Konvensional Dan Pegadaian Syariah Di Cabang Metro Nova Purnama Sari; Zulaikah Zulaikah; Estelee Elora Akbar
Ecopreneur : Jurnal Program Studi Ekonomi Syariah Vol 3 No 2 (2023): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Lembaga Publikasi Ilmiah

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Abstract

The purpose of this study is to find out the comparison between gold pawnshops in conventional pawnshops and sharia pawnshops in Metro Lampung City. The research method used in this study is a qualitative research method with descriptive analysis. The results of the study show that there are three differences in pawning gold at conventional pawnshops and sharia pawnshops, namely in the contract, the calculation of pawning costs and the Financial Institution Supervisory Board. In Conventional Pawnshops the contract used for gold pawning is a pawn contract while in Sharia Pawnshops the contract used is Rahn and Ijarah. The next difference is in the calculation of mortgage costs, Conventional Pawnshops use capital leases with a percentage set by Conventional Pawnshops. At Sharia Pawnshops, the calculation of pawning costs uses contract mun'ah and maintenance mun'ah with the calculation method stipulated by Sharia Pawnshops which is guided by DSN Fatwa No.25/DSN-MUI/III/2002 concerning rahn in point 4 which reads “Big marhun maintenance and storage costs may not be determined based on the loan amount.” The next difference is that apart from being supervised by the Financial Services Authority (OJK), such as Conventional Pawnshops, Sharia Pawnshops are also supervised by the Sharia Supervisory Board (DPS) as supervisors of sharia compliance at Sharia Pawnshops.Keywords: Pawn Gold; Conventional Pawnshops; Sharia Pawnshop Abstrak Tujuan dilakukannya studi ini adalah untuk menemukan bagaimana perbandingan gadai emas yang ada di pegadaian konvensional dan pegadaian syariah yang terdapat di Kota Metro Lampung. Metode penelitian yang digunakan dalam studi ini adalah metode penelitian kuualitatif dengan analisis deskriptif. Hasil penelitian bahwa ada tiga perbedaan dalam menggadaikan emas di Pegadaian Konvensional dengan Pegadaian Syariah yaitu pada akad, perhitungan biaya gadai dan Dewan Pengawas Lembaga Keuangan. Pada Pegadaian Konvensional akad yang digunakan pada gadai emas adalah akad gadai sedangkan pada Pegadaian Syariah akad yang digunakan Rahn dan Ijarah. Perbedaan selanjutnya ialah pada perhitungan biaya gadai, pada Pegadaian Konvensional menggunakan sewa modal dengan presentase yang telah ditetapkan oleh Pegadaian Konvensional. Pada Pegadaian Syariah perhitungan biaya gadai menggunakan mun’ah akad dan mun’ah pemeliharaan dengan metode perhitungan yang ditetapkan oleh Pegadaian Syariah yang berpedoman pada Fatwa DSN No.25/DSN-MUI/III/2002 tentang rahn pada poin ke 4 yang berbunyi “Besar biaya pemeliharaan dan penyimpanan marhun tidak boleh ditentukan berdasarkan jumlah pinjaman.”. Perbedaan selanjutnya ialah Pegadaian Syariah selain diawasi oleh Otoritas Jasa Keuangan (OJK) seperti Pegadaian Konvensioanal juga diawasi oleh Dewan Pengawas Syariah (DPS) sebagai pengawas sharia compliance pada Pegadaian Syariah.Kata Kunci: Gadai Emas; Pegadaian Konvensional; Pegadaian Syaria
TINJAUAN HUKUM EKONOMI SYARI’AH TERHADAP PRAKTEK BAGI HASIL TERNAK SAPI (Studi Kasus Di Desa Sidoharjo Kecamatan Jati Agung Kabupaten Lampung Selatan) Gusri Isbaldi; Lisa Efrina; Estelee Elora Akbar
SHARING: JOURNAL OF ISLAMIC ECONOMICS, MANAGEMENT AND BUSINESS Vol. 2 No. 2 (2023): Desember 2023
Publisher : Program Studi Ekonomi Syariah Fakultas Agama Islam Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/sharing.v2i2.19840

Abstract

The point of this exploration is to figure out how mudharabah contracts are executed in Sidoharjo Town and to figure out the perspective on sharia monetary regulation in regards to the framework utilized. In this examination, the strategy utilized is field research with a subjective graphic methodology and the information assortment techniques utilized are organized perception, meetings and documentation. The sources in this examination were individuals who keep cows and cow proprietors in Sidoharjo Town. The examination results show that assuming that there is a benefit sharing framework in bringing cows up in Sidoharjo Town, Jati Agung Locale, South Lampung Rule, there are two benefit sharing frameworks, the first is by separating the calves that have been conceived. cows that have been cared for by their managers. Second, by isolating the benefits from the offer of steers that have been raised by the rancher subsequent to returning the capital. This collaboration is clear in deciding beginning capital and steers costs. Concerning the survey of Sharia Monetary Regulation in view of the Accumulation of Sharia Financial Regulation, the execution of the benefit sharing framework in bringing dairy cattle up in Sidoharjo Town, Jati Agung Locale, South Lampung Rule as far as benefit imparting is in agreement to appropriate guidelines. type of thought. Be that as it may, assuming a misfortune happens, this cooperation doesn't contain a component of dharar (risk) since it is commonly useful when it comes time to share the benefits and both will encounter more noteworthy misfortunes in the event that the cow they are raising kicks the bucket. Consequently, the benefit sharing collaboration did by the local area in Sidoharjo Town is as per what has been managed in the Sharia Financial Regulation Accumulation.
Co-Authors Ditta Nurhidayanti Gusri Isbaldi Lisa Efrina Nova Purnama Sari Zulaikah Zulaikah