scholarly journals PRINSIP-PRINSIP SYARIAH DALAM AKAD PEMBIAYAAN KPR SYARIAH PADA KOPERASI SIMPAN PINJAM PEMBIAYAAN SYARIAH BAITUL TAMWIL MUHAMMADIYAH BABAT LAMONGAN

2021 ◽  
Vol 5 (1) ◽  
Author(s):  
Mahmud Mahmud ◽  
Warsidi Warsidi
Keyword(s):  
Data Collection ◽  
Field Research ◽  
Economic Benefits ◽  
Mortgage Loan ◽  
Human Beings ◽  
Government Regulations ◽  
Descriptive Research ◽  
Economic Law ◽  
Loan Financing ◽  
Qualitative Descriptive

This study aims to prove empirically that the transaction contract and the mechanism of Sharia mortgages loan financing are carried out at BTM Mulia, Babat, Lamongan in accordance with Islamic sharia principles. This is a qualitative descriptive research, where which is focused on the study of legal actions (tasarruf), namely the implementation of mortgage loan financing at BTM Mulia with customers using murabahah contracts, and this is also called as a field research which data collection is carried out at KSPPS BTM Mulia, Babat, Lamongan. The results of this study are: (1) The implementation of the Sharia mortgages loan financing contract in BTM Mulia is in accordance with the theory of the contract which has been stipulated in Sharia Economic Law, both based on the DSN-MUI fatwas and Sharia Economic Law Compilation. (2) The implementation of Sharia mortgages loan financing (KPR) at BTM Mulia, Babat, Lamongan is in line with the sharia principles contained in Sharia Economic Law, which includes the principle of : 1). Tauhid : because the implementation of financing in BTM Mulia is not merely oriented towards the acquisition of economic benefits but more than that is to the spirit of help between human beings, 2). Justice : because there are no elements of gharar, maysir, and usury, and there are clear rights and obligations between the customer and BTM Mulia, 3). Benefit and Maslahah : because of the clear benefits and goodness, 4). Ta'awun : because if there are customers who have difficulty in installment payments, the BTM provides an extension of time for these customers to have the ability to repay their debt, 5). Khilafiyah or compliance with government regulations : because in terms of the contract procedures implemented, the mechanism that is carried out, as well as the method of resolving problems in the event of a dispute with the customer, BTM Mulia uses regulations that have been determined in Sharia Economic Law.Keywords: Sharia Principles, Transaction, Credit, Houses, BTM Mulia

scholarly journals Implementasi Akad Murabahah Pada Produk Pembiayaan Kredit Pemilikan Rumah (KPR) di Bank Syariah Mandiri KC Bojonegoro Menurut Hukum Ekonomi Syariah

2019 ◽  
Vol 3 (1) ◽  
Author(s):  
Anis Muhtarom
Keyword(s):  
Legal Theory ◽  
Field Research ◽  
Mortgage Loan ◽  
Mortgage Loans ◽  
Economic Law ◽  
Loan Financing ◽  
Qualitative Descriptive ◽  
System F ◽  
To Receive

This study discusses about how the implementation of the murabahah bil wakalah contract theory on mortgage products in the Bank Syariah Mandiri KC Bojonegoro is seen from the perspective of Sharia Economic Law. The scope of this research is limited to the following issues: (1) How is the implementation of the murabahah contract on mortgage loans in Bank Syariah Mandiri KC Bojonegoro? (2) How is the implementation of the murabahah contract on mortgage loan products in the Bojonegoro KC Mandiri Syariah Bank according to the Sharia Economic Law? This research includes the type of field research. Because this research was conducted at Bank Syariah Mandiri KC Bojonegoro. This research is a qualitative descriptive study because in this study the author will focus the discussion on legal facts in the form of the implementation of financing between banks and customers with murabahah contracts which will then be continued with a comparative analysis of the legal facts referred to as sharia economic law theories. This is intended to test the compatibility between legal theory and the legal practice in question.The results of this research include: (1) The mechanism that must be taken to be able to receive financing for Public Housing Loans from Bank Syariah Mandiri KC Bojonegoro, is carried out through predetermined stages including: (a) submission; (b) BI checking / IDeb (debtor information); (c) the implementation of collateral estimates; (d) determination of ceilings; (e) Imputing data into a computer system; (f) approval of the official for mortgage loans; (g) Issuance of SP3 (Letter of Notification of Financing Approval); (h) Implementation of the contract which is attended by prospective customers, banks and notaries; (i) Disbursement. As for the agreements made between prospective customers and banks, there are elements as follows: (a) Contracting parties; (b) Sighat or iqab qabul akad murabahah; (c) Contract object. The object of the contract referred to in the housing loan product is a new or used house; (d) Nature of contract. Agreements are made clearly, both concerning objects, ceilings, time periods, contract places, financing nominal, margin obtained by the bank, and principal installments. In the event of default or bad credit where the customer is late in paying the installments, the bank's contribution will take the following steps: (a) Intensive billing; (b) Provision of Warning Letters 1, 2 and 3; (c) A restructuring offer (if the customer is pleased), ie installments are adjusted to the customer's ability and large at the end; (d) Voluntary guarantee selling offers; (e) Guaranteed auction. In a condition where the customer is not willing to carry out a contract restructuring, the bank offers that the auction of assets is a guarantee of the akah murabahah. As for the auction, the bank cooperates with a secret auction agency. (2) The implementation of housing loan financing with a murabahah contract in Bank Syariah Mandiri KC Bojonegoro is not in accordance with Sharia Economic Law originating from Law Number 21 of 2008 concerning Islamic Banking, MA Regulation Number 2 of 2008 concerning Compilation of Sharia Economic Law and DSN-MUI fatwa Number 4 of 2000 concerning Murabahah. Keywords: Contract, Murabahah bil Wakalah, KPR, BSM, Sharia Economic Law. 

scholarly journals PENGGUNAAN E-MONEY BRIZZI SEBAGAI ALAT PEMBAYARAN MENURUT HUKUM EKONOMI SYARIAH (STUDI ANALISIS TERHADAP PRODUK E-MONEY BRIZZI PADA BANK BRI KANTOR CABANG BLORA)

2020 ◽  
Vol 4 (1) ◽  
Author(s):  
Muhammad Muhammad Zubaidi ◽  
Suhartono Suhartono
Keyword(s):  
Field Research ◽  
Research Approach ◽  
Electronic Money ◽  
Descriptive Research ◽  
Economic Law ◽  
Research Activities ◽  
Payment Instruments ◽  
Qualitative Descriptive ◽  
The Subject ◽  
Branch Office

ABSTRACTThis research discusses and analyzes the mechanism of using Brizzi E-money issued by BRI Bank Blora Branch Office, as well as the perspective of Sharia Economic Law on the use of the card mechanism. Especially the electronic payment instruments issued by Bank BRI namely E-Money Brizzi. This research not only examines law theoretically, but also looks at it from the practice and application side in the field. This type of research is field research, namely research activities carried out at BRI Bank Blora Branch Office. The research approach which used is a qualitative descriptive research approach, which is an approach used to understand the phenomena about what is experienced by the subject and object of research.The results of this study concluded that the use of Brizzi E-money cards had met the legal and legal requirements for consent. In addition, when viewed from the aspect of cases that in validate the legality of the sale and purchase law, the use of Brizzi e-money cards in the sale and purchase transaction does not include elements that cancel the sale and purchase such as elements of gharar, maysir, and usury. The deduction of administrative funds due to transactions using the Brizzi e-money card has a similarity to the wakalah bil ujrah system in Sharia Economic Law. However, base on the results of the analysis conducted by the author, it is found that th euse of Brizzi e-money cards is not in accordance with the theory of wadi'ah dueto the unfulfillment of conditions and harmony in theuse, alsois not in line with the concept of wadi'ah yad amanah and wadi ' ah yad dhamanah from the aspect of the burden of responsibility for the party entrusted. Besides that, the use of Brizzi e-money cards is also not in accordance with the qardh theory. This is because in addition to not fulfilling one of the pillars and qardh validity requirements, also in the qardha fter the contract is said, the goods or asset swhich become the object of qardh automatically be come the property of the party receiving the loan. Where as in the system of using Brizzi e-money cards, the electronic money that is on the card after being deposited to the bank remains the property of the card holder. Keywords: E-Money, Brizzi, Sharia Economic Law, BRI Bank

PEMBATALAN UANG MUKA DALAM PERJANJIAN PESANAN MENURUT HUKUM EKONOMI SYARIAH (Studi Kasus pada Mebel Jati Ukir Sumber Anugrah Metro Utara)

2019 ◽  
Vol 6 (2) ◽  
Author(s):  
Siti Zulaikha
Keyword(s):  
Field Research ◽  
Secondary Data ◽  
Data Sources ◽  
Primary Data ◽  
Descriptive Research ◽  
Economic Law ◽  
The People ◽  
Inductive Methods ◽  
Qualitative Descriptive ◽  
Islamic Economic

Buying and selling is one form of activity that involves the relationship between humans to meet their daily needs. The problems that occur in the order agreement in Mebel Jati Ukir Sumber Anugrah Metro Utara are the practice of applying advances in order agreements and how the views of sharia economic law apply to the cancellation of advances in order agreements. The purpose of this study is to find out how to apply advances in agreements order and know how the views of sharia economic law on the application of advances in the agreement of orders for Mebel Jati Ukir Sumber Anugrah Metro Utara. The benefit of this study is to be able to add to the scientific repertoire in the field of muam especially regarding the views of sharia economic law on the application of advances in order agreements and as input for the people who make order agreements to pay attention to Islamic economic law provisions so that no party is harmed. This study uses a type of field research research with the nature of qualitative descriptive research. Data sources used are primary data sources and secondary data sources. The data obtained were analyzed using qualitative analysis methods namely inductive methods. Based on the research it can be concluded that the application of advances in the order agreement in teak Mebel Jati Ukir Sumber Anugrah Metro Utara according to Sharia Economic Law is permissible. This is because the furniture owner has provided a period of time for the buyer to settle the remaining payment. So that if the buyer cannot pay off the remaining payment before maturity, then the advance that has been given belongs to the furniture.

scholarly journals IMPLEMENTASI FATWA-FATWA DSN-MUI PADA PEMBIAYAAN DANA TALANGAN HAJI (STUDI KASUS PADA PADA KSPPS BTM MULIA BABAT – LAMONGAN)

2020 ◽  
Vol 4 (1) ◽  
Author(s):  
Ahmad Arif Rahman Saidi ◽  
Warsidi Warsidi
Keyword(s):  
Data Collection ◽  
Financial Institution ◽  
Supervisory Board ◽  
Descriptive Research ◽  
Economic Law ◽  
Qualitative Descriptive ◽  
Data Source ◽  
Data Collection Technique ◽  
Correct Understanding ◽  
The Impact

ABSTRACT The use of religious guidances from DSN-MUI as a basis of delivering products in the Micro-Sharia Financial Institution (LKS)  is not accompanied by a complete and correct understanding of the implementation. It can be seen in among others, the fund financing of hajj bailout. There are many different kinds of contracts used by micro-sharia financial institution in the hajj bailout fund financing, such as the contract of qardh bil ujrah and ijarah multijasa, even there are those that uses murabahah contract in the hajj fund financing.The author's interest in examining the implementation of hajj bailout fund financing in KSPPS BTM Mulia is because the KSPPS BTM Mulia used the contract of qardh bil ujrah and then change it into ijarah multijasa at the beginning of the emergence of the product of hajj bailout fund financing. The author intends to find out about the implementation in KSPPS BTM Mulia, which contract is most in accordance with the Sharia economic law, and what are the impact of the changes for KSPPS BTM Mulia.This study is a qualitative-descriptive research which uses the data collection technique with observation, interview, and documentation. The data source of this study is: (1) the person who is involved in hajj fund financing in KSPPS BTM Mulia starting from the management, Sharia supervisory board, marketing, legal, and customers; and (2) contract documents, minutes of meetings, and other documents which related to and needed in this study.From this study, it is known that the implementation of hajj bailout fund financing in KSPPS BTM Mulia that uses the qardh bil ujrahcontract, the halal status  cannot be guaranteed, while the ijarah multijasa contract with little improvement will be more appropriate and in accordance with the Islamic Sharia principles. Keywords      :Hajj Bailout Fund Financing, Contract ofQardh ,Ijarah Multijasa, Kafalah

ANALISIS NILAI KOHESI DAN KOHERENSIDALAM TERJEMAHAN AL-QUR’AN SURAH AL AL ZALZALAH

2016 ◽  
Vol 1 (2) ◽  
pp. 23
Author(s):  
MUNIRAH MUNIRAH ◽  
HUSAIN SYARIFUDDIN
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Data Classification ◽  
Research Data ◽  
Relative Pronoun ◽  
Second Person ◽  
Record Keeping ◽  
Descriptive Research ◽  
Qualitative Descriptive

This study aimed to describe the value of cohesion and coherence contained in the translation of the Qur'an surah Al Zalzalah. This study was a qualitative descriptive research, research data collection techniques using three techniques namely, inventory, rading and understanding, and record keeping. The data analysis used the coding of data, classification data, and the determination of the data. The results showed that the cohesion markers used in the translation of surah Al Zalzalah discourse are: 1) reference, 2) pronouns, ie pronouns second person, and third, the relative pronoun, the pronoun pointer, pen pronouns and pronouns owner, 3 ) conjunctions, namely temporal conjunctions, coordinating conjunctions, subordinating conjunctions, and conjunctions koorelatif, and 4) a causal ellipsis. It mean that there was a coherence in the translation of surah Al Zalzalah discourse are: the addition or addition, pronouns, repetition or repetition, match words or synonyms, in whole or in part, a comparison or ratio of conclusions or results. Keywords: Cohesion, Coherence, sura Al Zalzalah AbstrakPenelitian ini bertujuan untuk mendeskripsikan nilai kohesi dan koherensi yang terdapat dalam terjemahan Al-Qur’an surah Al Zalzalah. Jenis penelitian ini termasuk jenis penelitian deskriptif kualitatif, Teknik pengumpulan data penelitian menggunakan tiga teknik yakni, inventarisasi, baca simak, dan pencatatan. Teknik analisis data menggunakan pengodean data, pengklasifikasian data, dan penentuan data. Hasil penelitian menunjukkan bahwa pemarkah kohesi yang digunakan dalam wacana terjemahan surah Al Zalzalah adalah: 1) referensi, 2) pronomina, yaitu kata ganti orang kedua, dan ketiga, kata ganti penghubung, kata ganti penunjuk, kata ganti penanya dan kata ganti empunya, 3) konjungsi, yaitu konjungsi temporal, konjungsi koordinatif, konjungsi subordinatif, dan konjungsi koorelatif, dan 4) elipsis kausal. Sarana koherensi yang terdapat di dalam wacana terjemahan surah Al Zalzalah adalah: penambahan atau adisi, pronomina, pengulangan atau repetisi, padan kata atau sinonim, keseluruhan atau bagian, komparasi atau perbandingan simpulan atau hasil.Kata Kunci: Kohesi, Koherensi, surah Al Zalzalah

scholarly journals Identifikasi Hidangan pada Upacara Kesempatan Khusus Suku Tengger di Desa Argosari Kecamatan Senduro Kabupaten Lumajang

2021 ◽  
Vol 1 (3) ◽  
pp. 232-243
Author(s):  
Tria Maryani ◽  
Soenar Soekopitojo ◽  
Titi Kiranawati
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Data Presentation ◽  
Descriptive Research ◽  
Qualitative Descriptive ◽  
Special Occasion ◽  
Data Source ◽  
Staple Foods ◽  
Side Dishes

Tengger tribe has a dish that is served on special occasions ceremony. The special occasion ceremony held by the Tengger tribe is inseparable from the culture and Hindus’s religion which is the majority religion of the Tengger tribe. Argosari Village is one of the villages that still carries out all special occasion’s ceremonies related to custom and religion. This village is in Lumajang Regency. This research was using qualitative descriptive research, with data collection techniques used are interviews, observation, and documentation. The data source was obtained from interviews with five informants are the Dukun Pandhita of Argosari village, Mangku village, and society’s Argosari. Data analysis is performed interactively with steps such as reduction, data presentation and drawing conclusions or verification and to check the validity of finding with member checking methode to Dukun Pandhita. The results of the research which is identifiying the special occasion dishes of Tengger tribe, there are 6 groupings dishes based on staple foods such as rice, side dishes such as omelette, fried chicken, fried noodles. Vegetable dishes include jangan benguk, jangan kentang. Snacks consist of pepes, pasung, jenang abang, apem, juadah, tetelan. The beverages such as tea and coffee. Dandananan such as gedhang ayu, pencok bakal. Masyarakat suku Tengger mempunyai hidangan yang disajikan pada upacara kesempatan khusus. Upacara kesempatan khusus yang dilaksanakan oleh masyarakat suku Tengger tidak terlepas dari kebudayaan dan agama Hindu yang merupakan agama mayoritas suku Tengger. Desa Argosari merupakan salah satu desa yang masih melaksanakan semua upacara kesempatan khusus yang berkaitan dengan adat maupun keagamaan, Desa ini terletak di Kabupaten Lumajang. Penelitian ini merupakan penelitian deskriptif kualitatif, dengan teknik pengumpulan data berupa wawancara, observasi dan dokumentasi. Sumber data diperoleh dari wawancara dengan lima informan yaitu Dukun Pandhita teraktif dengan langkah reduksi, penyajian data dan penarikan kesimpulan atau verifikasi. Pengecekan temuan dilaksanakan dengan member checking kepada Dukun Pandhita. Hasil dari penelitian ini adalah terdapat 6 pengelompokan hidangan yang disajikan pada kesempatan khusus, yaitu makanan pokok antara lain nasi, hidangan lauk pauk berupa telur dadar, ayam goreng. Hidangan sayuran antara lain jangan benguk, jangan kentang. Sedap-sedapan yang terbagi menjadi jajanan telesan berupa pepes, pasung, jenang abang, apem, juadah, tetelan dan jajanan garingan seperti matari

scholarly journals CERITA ANAK SEBAGAI MEDIA PEMBENTUK KARAKTER ANAK

2018 ◽  
Vol 1 (2) ◽  
pp. 53-64
Author(s):  
Ferdian Achsani
Keyword(s):  
Elementary School ◽  
Character Education ◽  
Literary Work ◽  
School Level ◽  
Human Beings ◽  
Descriptive Research ◽  
Qualitative Descriptive ◽  
Children's Stories ◽  
The Right ◽  
Literary Materials

Literature and character education are two things that can not be separated. Literature as a reflection of the life of the community generally teaches the reader to be able to understand the wisdom of the displayed story. Literature can be used as a medium of learning, especially in the process of internalization of the value of character education to learners. The value of character education in the literary work is expected to be followed by the students. Currently, Indonesia is experiencing moral degradation. The need for moral cultivation to the learners aims to create human beings who are virtuous in the future. Each subject has the right to internalize character education to learners. So in the Indonesian language, the process of characterization of character education can be done when learning on literary materials. This study aims to describe the value of character education in Solopos children's stories. this research is included in qualitative descriptive research. The results of this study concluded that in the story Solopos child, there is a value of character education that can be taught to learners, especially at the elementary school level. The results showed that this child's story can be used as a reference for teachers, as a medium to internalize character education at the elementary school level. Sastra dan pendidikan karakter merupakan dua hal yang tidak dapat dipisahkan. Sastra sebagai cerminan kehidupan masyarakat, umumnya mengajarkan kepada pembaca untuk dapat memahami hikmah dari cerita yang ditampilkan. Sastra dapat digunakan sebagai media pembelajaran, terutama dalam proses penginternalisasian nilai pendidikan karakter kepada peserta didik. Nilai pendidikan karakter dalam karya sastra tersebut diharapkan dapat diteladani oleh peserta didik. Saat ini Indonesia sedang mengalami degradasi moral. Perlunya penanaman moral kepada peserta didik bertujuan untuk menciptakan manusia yang berbudi pekerti di masa depan. Setiap mata pelajaran memiliki hak untuk menginternalisasikan pendidikan karakter kepada peserta didik. Maka dalam bahasa Indonesia, proses penginternalisasian pendidikan karakter dapat dilakukan ketika pembelajaran pada materi kesastraan. Penelitian ini bertujuan untuk mendiskripsikan nilai pendidikan karakter dalam cerita anak Solopos. penelitian ini termasuk dalam penelitian diskrptif kualitatif. Hasil penelitian ini menyimpulkan bahwa dalam cerita anak Solopos, terdapat nilai pendidikan karakter yang dapat diajarkan kepada peserta didik terutama pada jenjang sekolah dasar. Hasil penelitian menunjukan bahwa cerita anak ini dapat digunakan sebagai rujukkan bagi guru, sebagai media untuk menginternalisasikan pendidikan karakter pada jenjang sekolah dasar.

scholarly journals ANALISIS KEMAMPUAN PEMECAHAN MASALAH PADA SOAL CERITA MATEMATIKA BERDASARKAN TEORI POLYA DITINJAU DARI ADVERSITY QUOTIENT

2020 ◽  
Vol 2 (1) ◽  
pp. 105-128
Author(s):  
Novita Nurul Aini ◽  
Mohammad Mukhlis
Keyword(s):  
Problem Solving ◽  
Data Collection ◽  
Mathematical Reasoning ◽  
Linear Equations ◽  
Learning Goals ◽  
Problem Solving Skills ◽  
Data Presentation ◽  
Validity Test ◽  
Descriptive Research ◽  
Qualitative Descriptive

One of the studen learning goals mathematics is mathematical reasoning for outcomes training student to solve the problems. One of the problems faced by students is word questions. There are several students responses in dealing with word question which is known as Adversity Quotient. This research aims to describe the students' problem solving skills in system of three-variable linear equations subject based on Polya's theory in terms of Adversity Quotient. This is a qualitative descriptive research with three subjects of students class X IPA 1 SMAN Arjasa Jember, there are one climber student, one camper student and one quitter student. These subjects took purposive sampling with consideration according to the results of questionnaire scores that meet each of the criteria of Adversity Quotient. Data collection techniques used were questionnaires, tests, interviews and observations. The validity test used is technical triangulation. Data analyzed through data condensation, data presentation and conclusion drawing. The results showed that student with the type of climber was able to meet all the indicators of problem solving in the problem of the word questions which included indicators of understanding the problem, planning the solution, carrying out the plan of solving and re-checking. Camper type student met all indicators of problem solving except at the re-checking stage. Quitter type student in completing word questions met the stage of understanding the problem and planning the solution, while the stage of carrying out the plan and re-checking is not fulfilled by the quitter student.

scholarly journals Tradisi Reresik Sendang Masyarakat Wonosoco dalam Perspektif Ekoteologi Islam

FIKRAH ◽  
2019 ◽  
Vol 7 (2) ◽  
pp. 391
Author(s):  
Ahna Soraya
Keyword(s):  
Data Collection ◽  
Natural Environment ◽  
Field Research ◽  
Meeting Point ◽  
The People ◽  
Qualitative Descriptive ◽  
Descriptive Approach

<p class="07KatakunciKeywords">This study aims to determine the perspective of Islamic eco-theology in the Reresik Sendang tradition in Wonosoco Village. How the people of Wonosoco Village carry out, interpret, and how the Reresik Sendang tradition is seen from the perspective of Islamic eco-theology. This research uses a type of field research using a qualitative descriptive approach. Data collection techniques obtained through the results of observations, interviews, and documentation. The findings from this study indicate several important points: First, the tradition of Reresik Sendang is a form of effort by the people of Wonosoco Village in preserving the natural environment based on Islamic teachings. Secondly, in the implementation of the Reresik Sendang tradition, there are still rituals which are Hindu-Buddhist teachings. The community interpreted that the Sendang Reresik tradition is a form of gratitude to God Almighty, as well as a form of respect for the ancestors. Third, viewed from the perspective of Islamic eco-theology in the Reresik Sendang tradition in Wonosoco Village, there is a meeting point in it, which sees nature as a "sign" of God.</p>

scholarly journals Persepsi Nasabah Tentang Mutu Pelayanan Dan Produk Bankaltimtara Syariah Cabang Samarinda

AL-TIJARY ◽  
2018 ◽  
Vol 4 (1) ◽  
pp. 53-60
Author(s):  
Irma Yuliani
Keyword(s):  
Data Collection ◽  
Service Quality ◽  
Field Research ◽  
Quality Of Services ◽  
Customer Needs ◽  
Customer Perceptions ◽  
Qualitative Descriptive ◽  
Positive Results

This study aims to determine customer perceptions of service quality and products of Kaltimtara Sharia Bank Samarinda Branch. This type of research is field research. The nature of this study is qualitative descriptive by using interviews and questionnaires as data collection techniques. The population in this study are all priority customers of Samarinda Bank Kaltimtara Syariah Branch, amounting to 300 customers, using purposive techniques. sampling, the research sample was 75 respondents and interviews with related parties. The results showed that customer perceptions of service quality and products at Bankaltimtara Syariah Samarinda branch were measured using the CARTER dimension (Compliance, Assurance, Reliability, Tangibles, Emphaty, and Responsiveness). Whereas for products measured through 6 dimensions which include Performance, Features, Realiability, Durability, Conformance to specifications and aesthethic shows positive results which are very good but the things that need to be considered are regarding the need for additional park land specialized and financial consultations to meet priority customer needs. This is in line with the results of interviews with relevant parties that indicate the quality or quality of services and products that are sharia standard and in accordance with the vision and mission of Bankaltimtara Syariah.

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