DIRHAM : Jurnal Ekonomi Islam

Analisis Implementasi Akad Ijarah Muntahiya Bittamlik Dalam Pengajuan Kebutuhan Nasabah

Widi Astuti, Epen Supendi — Sun, 05 Jan 2025 00:00:00 +0000

Bank Pembiayaan Rakyat Syariah (BPRS) Bekasi has a financing product that uses the ijarah muntahiya bittamlik contract. Basically, in financing products with the muntahiya bittamlik ijarah contract, it makes it easier for the community to do financing flexibly, by using the muntahiya bittamlik ijarah contract which ends with a grant.

This study aims to find out how the results of the implementation of the ijarah muntahiya bittamlik contract implemented by BPRS Riyal Irsyadi Bekasi. This study uses a type of field research that is descriptive analysis. The data collection techniques used in this study are interviews, and documentation.

In the ijarah muntahiya bittamlik contract , the transfer of bank ownership to the customer in accordance with the procedure of the property ownership agreement will be transferred from the bank owner to the customer in accordance with the procedure of the manned agreement, namely the transfer of ownership of assets which is carried out at the end after the rent payment period is completed.

PENGARUH PEMBIAYAAN QARDH PASAR TERHADAP PENDAPATAN PEDAGANG PASAR DI BMT MANDIRI SEJAHTERA JAWA TIMUR CABANG SEMBAYAT GRESIK

Zuhrotul Awwaliyah, Trischa Relanda Putra — Sun, 05 Jan 2025 00:00:00 +0000

Fulfillment of capital for business actors is very important and a supporting factor for the smooth running of a business, as is the case with BMT Mandiri Sejahtera East Java which provides financing products in the form of Qardh Pasar which aims to assist market traders in meeting capital for their business. This study aims to determine the effect of Qardhul Hasan (Market Qardh) financing on increasing the income of market traders on customers at BMT Mandiri Sejahtera East Java Branch Sembayat Gresik with indicators measuring the amount of financing, time period, and service fees. The existence of Qardh Market financing is expected to help market traders in running their business continuously. The method used in this research is a comparative causal quantitative method with simple linear regression analysis. Respondents in this study were customers who received Qardh Market financing with a total of 37 people, which included the population. The data collection technique used a questionnaire measured by a Likert scale and then processed using the SPSS version 27.0 application. The results of this study indicate that Market Qardh financing has an effect on increasing the income of market traders as shown by the results of hypothesis testing where the value of t count> t table (8.538>1.690). The effect of Qardh Market financing is 67.6% as indicated by the R Square value of 0.676 while the remaining 32.4% is influenced by other variables not included in this study.

Kontrak Sosial Sebagai Jaminan Pada Akad Murabahah Dalam Meminimalisir Terjadinya Kredit Macet

Ulfa Roikhatul Jannah — Sun, 05 Jan 2025 00:00:00 +0000

A social contract is an agreement that forms a social bond based on the same interests to meet business needs. BPRS Lantabur Lamongan Branch provides financing by utilizing the bond of social relationships that are formed into a social contract where they agree to be bound by other traders in the Sidoharjo Lamongan market with various things that have been agreed upon. The purpose of this research is to determine the implementation of the social contract at BPRS Lantabur Tebuireng Lamongan Branch. This study uses a descriptive qualitative method that uses the Purposive Sampling technique. Data collection in this study comes from the results of interviews, documents in the form of books, scientific journals or other reference sources, and documentation relating to social contracts as collateral in the murabahah contract in minimizing the occurrence of bad credit. The results of the interviews from this study used four main sources in their fields. The four sources are Manager, Legal, Teller, and the last is Market Funding. Furthermore, the researcher will review the data through source triangulation, namely from two customers of BPRS Lantabur Tebuireng Lamongan Branch. The results of this study indicate that the social contract implemented at BPRS Lantabur Tebuireng Lamongan Branch is to minimize bad credit with a system of agreeing to accept the consequences if one of them fails to pay, they will not get financing again at BPRS Lantabur Tebuireng Lamongan Branch, this creates its own pressure for debtors who are in arrears because they receive social sanctions, but basically the community has a high social spirit so they help each other because there is a risk that is borne together as happened in the Sidoharjo Lamongan market so that the risk of bad credit is successfully minimized.

Analisis SWOT Strategi Pemasaran Tabungan Simitra Mikro BPRS Mandiri Mitra Sukses Gresik Dalam Meningkatkan Jumlah Nasabah

Mualifatun Nabila, Luluk Hanifah — Sun, 05 Jan 2025 00:00:00 +0000

As the Islamic finance industry grows rapidly, competition among financial institutions is becoming increasingly intense. A SWOT analysis helps identify internal and external factors that affect the marketing of Islamic savings products. Key challenges include strong competition, limited technology and resources, as well as the threat from conventional financial institutions, which are more widely recognized by the public. This study uses a qualitative method with a descriptive approach, gathering data through observation, interviews, and documentation. The results show that BPRS Mandiri Mitra Sukses applies a marketing mix strategy (product, price, place, promotion) and incorporates Islamic marketing characteristics such as theistic, ethical, realistic, and humanistic principles. Marketing initiatives like "Jemput Bola" (proactive outreach) and "Grebek Pasar" (market blitz) have successfully attracted customers, increasing the number of customers from 21,352 in 2022 to 24,976 by mid-2024.The SWOT analysis reveals that BPRS Mandiri Mitra Sukses is positioned in quadrant 1 (positive), indicating strong internal conditions and favorable external opportunities. Their strategy involves precise market segmentation, specific target market selection, and clear positioning. Additionally, they strengthen community-based services and improve the quality of the SiMitra Micro Islamic Savings product, reflecting the success of their marketing strategy.

KONSEP DAN IMPLEMENTASI ZAKAT UNTUK PELESTARIAN LINGKUNGAN

Suud Sarim Karimullah — Sun, 05 Jan 2025 00:00:00 +0000

This study aims to explain how the essence of zakat as an instrument of social justice can be expanded to become an instrument of sustainable social-ecological transformation by combining Islamic teachings' spiritual, social, and economic strengths. This study uses the library research method as the primary approach to explore concepts, theories, and practices related to zakat and environmental preservation, with the analysis used as disintegrative and connective. The results state that zakat, as a Sharia-based Islamic financial instrument, has transformative potential to address global challenges related to environmental conservation by expanding its functions beyond traditional social assistance. With a progressive reinterpretation of zakat's asnaf, such as fi sabilillah, ecological conservation can be integrated as a moral and spiritual obligation that is aligned with the maqasid of sharia, including the protection of life, property, and the sustainability of future generations. Through strategic programs such as reforestation, energy conservation, waste management, and environmental education, zakat can have a tangible impact on ecological balance while improving the welfare of low-income people. This approach must be supported by theological legitimacy from the ulama, clear impact indicators, and cross-sector collaboration that utilizes technology for transparency and effectiveness. With a sustainable strategy, zakat can go beyond its role as a religious obligation and become a catalyst for global change, inspiring a more just, inclusive, and sustainable civilization.