Claim Missing Document
Check
Articles

Found 2 Documents
Search
Journal : Southeast Asia Journal of Graduate of Islamic Business and Economics

CONSUMPTION OF THE GALING COMMUNITY ISLAMIC ECONOMIC PERSPECTIVES Ferry Himatullah; Munadi; Ubabuddin
SOUTHEAST ASIA JOURNAL oF GRADUATE OF ISLAMIC BUSINESS AND ECONOMICS Vol. 1 No. 2 (2022): September
Publisher : Pascasarjana, Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research departs from the phenomenon of Galing Village community is seen as a society with Middle-down economic conditions. This fact is inversely proportional to the consumption style of Galing villagers who tend to be consumptive and luxurious. This study uses a qualitative approach and type of case study research. Data collection techniques in this study were conducted by interview, observation, documentation. Data analysis techniques include: data reduction, data presentation, conclusion drawing. Data validity test is done by: extend participation, triangulation observation persistence, and member checking. Transferability test (certainty of data with detail), dependability test by auditing the research process and conformality Test Test the results of research (certainty of data) to draw conclusions. The results of this study indicate: first, the consumption of Galing villagers based on factors that affect consumption: income, number of family members, tastes, age, education level, environmental trends and religiosity have a positive effect on the consumption of Galing villagers. The income of each profession is influenced by the income of other professions. All professions have income tends to fluctuate except civil servants, therefore some professions get around it by looking for other income, saving, saving gold metal assets or debt to meet daily needs. the causes of the consumption style of the affluent and luxurious people; the former being a migrant worker or having a family being a migrant worker, looking for other income besides the main income characteristics of the upper class economy: priority needs are oriented towards future economic welfare, the lower economy: the main expenditure is to meet food needs and to increase non-investment assets Secondly, the phenomenon of consumption is contrary and in accordance with Abdul Mannan's 5 Principles of consumption ethics; not using formalin in accordance with the principle of Justice. Drug consumption, contrary to the principles of hygiene. Consumption of branded food and clothing is contrary to the principle of simplicity. Social alms at certain events according to the principle of generosity. Pray before work and work as a provision of worship in accordance with the principles of morality.
Comparative Study Of Murabaha Financing At Kalbar Syariah Bank And Mandiri Syariah Bank Branch Sambas Vera Ayu Oktovia Sari; Sri Deti; Ubabuddin
SOUTHEAST ASIA JOURNAL oF GRADUATE OF ISLAMIC BUSINESS AND ECONOMICS Vol. 2 No. 1 (2023): Mei
Publisher : Pascasarjana, Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sajgibe.v2i1.2221

Abstract

One of the most popular Fiqh schemes used by Islamic banking is the Murabaha Buy-Sell Scheme. This Murabahah transaction was commonly carried out by the Prophet Muhammad, and his companions. The activities of Islamic banks are to collect funds from customers, distribute funds and other banking services. Islamic banks in its operations started from the collection of public funds in the form of demand deposits, savings and deposits. The funds raised were distributed in the form of financing, namely Murabaha, Musharakah, qardh, ijarah and services financing. The funds were distributed to customers in the form of working capital financing, consumption financing, working capital financing and investment. The focus of this study are: 1) How is the practice of Murabaha financing in Kalbar Syariah Bank Sambas branch? 2) What is the practice of Murabaha financing at Syariah Mandiri Bank Sambas branch? 3) What is the comparison of Murabaha financing at Kalbar Syariah Bank and Syariah Mandiri Bank Sambas branch? The purpose of this study was to describe, identify, uncover and analyze the financing practices in Kalbar Syariah Bank and Syariah Mandiri Bank branch sambas. This research is a field research (Field research) or qualitative research, qualitative research is more emphasis on the process than the product or outcome. Qualitative research focuses more on research that is a process, such as interaction between humans in a community, the process of implementing work, the development of a symptom or civilization. The researcher concluded that in distributing Murabaha Financing Kalbar Syariah Bank and Syariah Mandiri Bank both provide the conditions set by Bank Indonesia, and in the Murabaha financing process there is a difference between the total amount of financing installments of the two banks. Syariah Mandiri Bank Murabaha financing cheaper than Kalbar Syariah Bank, but judging from the interest of customers who do the financing, between Syariah Mandiri Bank with Kalbar Syariah Bank is more interested in financing at Kalbar Syariah Bank. The reason why the interest in Kalbar Syariah Bank is more than in Syariah Mandiri Bank, because the financing process, especially on the terms and the decision process does not take a long time and quickly.