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All Journal Journal of Management and Creative Business Jurnal Ilmiah Ekonomi dan Manajemen
Yusra Amelia Hsb
Universitas Islam Negeri Sumatera Utara
Decision Sciences, Operations Research & Management Other

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HUBUNGAN ANTARA POLA KONSUMSI DAN PENDIDIKAN PADA MAHASISWA DI KOTA MEDAN Mawar Indah; Yusra Amelia Hsb; Dini Lestari; M. Ikhsan Harahap
Journal of Management and Creative Business Vol. 1 No. 1 (2023): Januari: Journal of Management and Creative Business
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1037.579 KB) | DOI: 10.30640/jmcbus.v1i1.499

Abstract

Tujuan penelitian ini adalah menganalisis tingkat pola konsumsi dengan pendidikan pada mahasiswa yang ada di kota Medan. Peneliti menggunakan metode survey dan menyebarkan angket serta kuesioner kepada mahasiswa dengan pertanyaan yang sistematis dan yang berkaitan dengan pola konsumsi mahasiswa. Tingkat konsumsi mahasiswa dipengaruhi oleh tempat tinggal atau kost mereka, serta perkuliahan yang padat menjadikan konsumsi mereka berbeda-beda. Rata-rata pola konsumsi mahasiswa bertaraf rendah, karena mereka bisa mengendalikan keuangan mereka yang baik.
Konsep Penerapan Pembiayaan Murabahah Pada bank Sumut Syariah KCP Rantau Prapat Yusra Amelia Hsb; Nursantri Yanti
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 1 No. 4 (2023): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v1i4.327

Abstract

This article analyzes the concepts of murabahah financing, this is done because there are still deviations in the implementation of murabahah financing, namely differences between the rules underlying murabahah financing and existing practices in the field. In this article, we compare the existing regulations with direct practical situations in the field involving several informants (practitioners and customers concerned) as well as with the support of several other supporting literature. The results of this research state that the application of murabahah in sharia banking practices is divided into three categories: The first type is consistent with muamalah fiqh. The second type is similar to the first type, but transfers ownership directly from the supplier to the customer, while the payment is made by the bank directly to the first seller/supplier and the third type is that the bank enters into a murabahah agreement with the customer, and at the same time represents (wakalah contract) to the customer for buy the things you want to buy yourself. Murabahah financing services for types 2 and 3 still need to be reviewed and re-evaluated because even though the financing is considered valid according to the Criminal Code law, it is still not valid according to Islamic law because the pillars of sale and purchase are still not fulfilled, namely ownership of the murabahah object. For this reason, researchers are developing the existing concept, namely a collaboration system between banks and suppliers.
Co-Authors Dini Lestari M. Ikhsan Harahap Mawar Indah Nursantri Yanti