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All Journal Tujjar International Journal of Islamic Economics Development
Anis Widiarni
Universitas Muhammadiyah Pontianak
Religion Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Journal : Tujjar International Journal of Islamic Economics Development

 1 
Indomaret Promotion Systems in Pontianak City: Fiqh Muamalah Perspective Doddy Primayudia; Amatul Fitri; Anis Widiarni; Rani Puspita Sari; Rika Putri Tanassy
TUJJAR INTERNATIONAL JOURNAL OF ISLAMIC ECONOMICS DEVELOPMENT Vol 1, No 1 (2023): Tujjar International Journal of Islamic Economics Development
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/tujjar.v1i1.5728

Abstract

One form of Muamalah that is most often done by humans in general is buying and selling. In buying and selling activities, the term Promotiontion is often encountered, one form of Promotiontion in buying and selling practices is price discounts or discounts. The purpose of this study is to find out the practice of buying and selling in the Promotion system at Indomaret and to find out how the employee regulations in the practice of buying and selling. This type of research belongs to field research, where data is obtained from primary data in the form of interviews and observations, while secondary data is obtained from literature and data documentation. As for the results of this study, namely in the practice of buying and selling in the Promotion system, buyers are required to fulfill the requirements for purchasing goods with a predetermined minimum total expenditure. Indomaret itself also has a period once a week in conducting Promotiontions. Regulations against employees are allowed to buy the product being Promotionted, even though there is no written regulation for the employee himself, but if he takes other people's rights in purchasing the product being Promotionted, he will get a verbal or written warning sanction if known by Indomaret. The legal basis for buying and selling at Indomaret must be the willingness of both parties in the transaction. Whereas in the perspective of fiqh Muamalah, the Promotion system in buying and selling practices at Indomaret, to be precise, on Jalan Jenderal Urip Pontianak, West Kalimantan City, is permissible as long as no party feels disadvantaged and in accordance with Islamic law.
Capital Adequacy Analysis of Indonesian Sharia Bank: 2015-2022 Amatul Fitri; Anis Widiarni; Rani Puspita Sari; Rika Putri Tanassy; Sahara Sahara
TUJJAR INTERNATIONAL JOURNAL OF ISLAMIC ECONOMICS DEVELOPMENT Vol 1, No 1 (2023): Tujjar International Journal of Islamic Economics Development
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/tujjar.v1i1.5725

Abstract

This study aims to examine the effect of profitability (ROA), liquidity (FDR), and non-performing financing (NPF) on the Capital Adequacy Ratio (CAR). This research is descriptive qualitative research. The population and sample in this study are the annual financial statements of Bank Syariah Indonesia for the period 2015-2022 which are registered with the Financial Services Authority. Data was collected by recording documents and analyzed by interactive model analysis. The results of the study show that (1) profitability (ROA) has a negative effect on Capital Adequacy Ratio (CAR), (2) Liquidity (FDR) has an effect on Capital Adequacy Ratio (CAR), and (3) problem financing (NPF) has an effect on Capital Adequacy Ratio (CAR).
Co-Authors Amatul Fitri DODDY PRIMAYUDIA Rani Puspita Sari Rika Putri Tanassy Sahara Sahara