Pengaruh Pemahaman Nasabah Pada Jenis Produk Terhadap Kelancaran Pembayaran Angsuran Di BMT Niaga Utama Purwakarta

The banking industry is currently experiencing rapid development where the main activity of financial institutions is to collect funds and channel them back to the public in the form of credit/financing. Problems that arise from the financing process are bad funds from customers as an unavoidable risk with several indicators of causes such as customer income, disasters experienced by customers, awareness and refunds from understanding the financing contract contract. This study aims to analyze the effect of customer understanding on mudharabah products, murabahah products, and murabahah products and to examine the effect of average customer understanding on payment growth at BMT Niaga Utama Purwakarta. This research was conducted by quantitative descriptive method using a sample of 34 customers from a population of 67 customers. Determination of the research sample is through a random sampling system with a Likert scale. The results of this study indicate that the customer's understanding of the mudharabah product is stated to be significant for payment payments with a value of rcount (0.84) > rtable (0.648), while the customer's understanding of the musyarakah product is stated to have no significant effect on payment performance with a value of rcount (0.697) < rtable (0.738). As for the influence of customer understanding of the value of murabahah products, the sig. (2-tailed) number is 0.000 which is smaller than the level of significant (α) 5% and is declared significant. While the effect of the known average value of Ucount = 22 > Utable 17 shows that there is no difference between understanding the product of mudharabah, musyarakah and murabahah on installment payments.

Pengaruh Kualitas Produk dan Promosi Terhadap Keputusan Nasabah Memilih Tabungan Amanah Di BMT Purwakarta Amanah Sejahtera

The background of the research conducted at BMT Purwakarta Amanah Sejahtera, where the Amanah Savings decreased every year. This is contradictory to the situation of the Purwakarta people, where the majority of the population is Muslim. Is a potential place for the growth of sharia-based economic activities. To determine the effect of Product Quality on customer decisions to choose Amanah Savings, To determine the effect of Promotion on customer decisions to choose Amanah Savings, To determine Product Quality and Promotions on customer decisions to choose Amanah Savings. The theory presented by the author in the theoretical basis is the theory of Philip Kotler and Fandy Tjiptono for marketing theory, product quality, promotion and customer decisions. The research method used is a quantitative method, a method that uses numbers in each result and is tested using the SPSS application. The population in this study were 52 people. The data analysis techniques used in this study were data validity, data reliability, for the classical assumption test using normality test, multicollinearity test, heteroscedastic test, while hypothesis testing used determination test, partial test (t test), multiple linear regression, and simultaneous test. (f test). The results showed that the variable product quality had no effect on customer decisions of amanah savings at BMT PAS with a tcount of -0.309, smaller than the t table of 2,000. promotion partially (t test) has no effect on customer decisions with t count of 1.753 smaller than t table of 2,000. based on the simultaneous test (f test). Product quality and promotion have no effect on customer decisions with a siginification value of 0.194 greater than 0.05. The conclusion is that the overall hypothesis H0 is accepted and Ha is rejected.

Pengaruh Pendapatan Operasional terhadap Laba Bersih pada Bank Muamalat Indonesia Tbk. Periode 2015-2020

This study aims to determine the effect of operating income on net income at Bank Muamalat Indonesia Tbk. The period 2015 to 2020. The research method used is an associative quantitative method using secondary data in the form of the financial statements of Bank Muamalat Indonesia which are publicly registered with the Financial Services Authority. Hypothesis testing using simple linear regression analysis through t-test with a view to knowing the effect of independent variables on the dependent variable. The results of this study that the Operating Income variable on Net Profit has a correlation value or relationship (R) of 0.856 (Very Strong), and the value of the Determination Coefficient or R Square of 0.732 in other words the effect is 73.2%, meaning that the X variable (Operational Income) has an effect on on the variable Y (Net Profit) at Bank Muamalat Indonesia Tbk. While the remaining 26.8% is determined by other variables not examined by researchers, namely Non-Operational Income.

Pengaruh Pembiayaan Musyarakah Terhadap Pendapatan Bank BRI Syariah Indonesia Periode 2014-2020

Consumer financing is one of the focuses of BRI Syariah financing distribution because it has a low risk. This is because consumer financing is based on mortgages and multi-purpose financing. This study aims to determine the effect of Musyarakah Financing on Income. This research was conducted at Bank BRI Syariah Indonesia for the period 2014 to 2020. This method uses a descriptive quantitative approach. The development of Islamic banking is also marked by an increase in the distribution of financing. Financing is very important because this financing factor is the key to the development of Islamic banks in the future. Ideally, Islamic bank financing is dominated by musharaka contracts which are run with a profit-sharing system. The data used in this study is secondary data derived from annual reports that can be accessed through the Financial Services Authority website in the form of an annual time series from 2014-2020. This study applies a simple linear regression data analysis method. Based on the results of research using the SPSS Version 20 statistical program, Musyarakah Financing (X) has a positive and significant effect on Income (Y).

Pengaruh Tingkat Inflasi Dan Pendapatan Usaha Pegadaian Terhadap Pembiayaan Rahn Pada Pegadaian Syariah Tahun 2011-2020

In deciding the provision of rahn financing, it is influenced by various conditions, especially internal and external conditions. These internal factors or conditions include the development of pawnshop business income. Meanwhile, external conditions or factors can be seen from the financial conditions that occur in Indonesia, for example the inflation rate. This study aims to determine the effect of inflation rate and operating income on rahn financing at Islamic pawnshops in Indonesia partially and simultaneously. This research was conducted at a non-bank financial institution, namely PT. Pawnshops that focus on sharia segmentation. This type of research uses a quantitative descriptive method that is associative. The secondary data used in this study used a documentation study data collection technique. This research uses multiple linear regression data analysis method. Based on the results of the analysis and discussion of the data in this study, it is stated that the first tcount is -0.030, meaning that ttable is greater than tcount (2.365 > -0.030) and sig.0.977 > 0.05. From these results, inflation has a negative effect and inflation does not have a significant effect on the financing of rahn partially. Second, the results of the tcount value on the operating income variable produce a tcount of 7.141, meaning that tcount is greater than ttable (7.141 > 2.365) and a significant value of 0.000 < 0.05. From these results, it means that operating income has a positive effect and pawnshop income has a significant effect on Rahn's financing partially. The results of the simultaneous test (f test) obtained a ftable value of 4.46 because the fcount value of 38,698 is greater than the ftable value and the significance value of 0.000 is much smaller than 0.05. So it can be concluded that the inflation variable and Pawnshop income simultaneously affect the rahn financing variable at the Indonesian Sharia Pawnshop. And the relationship between the independent variable and the dependent variable in this study was 0.893 or 89.3%, while 10.7% was explained by other factors not presented in this study.

Pengaruh Penerapan Akad Isthisna Terhadap Minat Beli Masyarakat Di Perumahan Nakhil Garden Pawarengan Cikampek Barat

The need for housing is a basic need after the need for clothing and food. Housing Nakhil Garden Pawarengan Cikampek is one of the sharia property developers that provides ready-to-build residential products, using a non-bank sharia system in running their business, namely using an isthisna contract or advance reservation without any touch of usury. The purpose of this study was to determine the effect of the application of the Istishna contract on people's buying interest in the Nakhil Garden Pawarengan Cikampek housing, and to determine how much influence the application of the Istishna contract had on the public's interest in buying housing at Nakhil Garden Pawarengan Cikampek. This study uses quantitative methods, data collection is done by means of observation, interviews, distributing questionnaires and documentation respondent data. The population in this study are consumers who buy and are interested in buying housing with a sample of 40 people. The sampling technique is probability sampling using simple random sampling. The type of data used is primary data with a questionnaire data collection method. Then the analysis technique using simple linear regression data analysis. The results of this study indicate that the isthisna contract applied by Nakhil Garden housing has no effect on people's buying interest, this can be seen from the results of the regression test, namely the value of the coefficient of determination (R Square) generated is 0.187 from the correlation / relationship value ( R) of 0.432. so that it can be interpreted that the application of the Istishna contract has an influence on buying interest in Nakhil Garden Pawarengan housing by 18.7%, the remaining 81.3% is influenced by other factors not examined in this study

Pengaruh Faktor Sosial Dan Pribadi Terhadap Minat Beli Produk Peyek Aziz Tanpa Tanggal Kedaluwarsa Dalam Perspektif Ekonomi Syariah

Carrying out economic activities based on Islam is an order and has the value of worship. According to fiqh rules, every muammalah transaction is allowed as long as it does not conflict with the basic Islamic law, namely the Qur'an and hadith, including carrying out economic activities in the field of food processing business. The purpose of this study was to determine the influence of social factors and personal factors on consumer buying interest in Peyek Aziz products. The method used is descriptive quantitative with the number of samples used as many as 33 respondents in the Kertamukti sub-district, Campaka sub-district which was determined through probability sampling with random sampling technique. The results of this study indicate that personal factors affect consumer buying interest with a significance value of 0.000 < 0.05. Social factors are declared not to affect because the significance value obtained is 0.063 > 0.05. While social and personal factors jointly affect consumer buying interest with a significance value of 0.000 < 0.05. Based on these results, it is known that social and personal factors affect consumer buying interest in food without an expiration date of 0.515 or 51%. While the remaining 49% is influenced by other factors not examined. The sharia economic review regarding food without expired labels did not find any specific regulatory information. The inclusion of an expired label is an ijtihad in providing information on the appropriate time limit for consumption on food products with the aim of benefiting in maintaining property and life.

Analisis Sistem Pembiayaan Akad Qardhul Hasan Di BMT Al-Amanah Cabang Subang

The Qardhul Hasan financing at BMT Al-Amanah Subang was not surveyed again, because the Qardhul Hasan survey had been carried out at the beginning of the members doing previous financing such as Mudharabah, Murabahah, Musyarakah, and Rahn financing, because Qarhdul Hasan financing is a conversion from the previous contract. Qardhul Hasan financing has certain categories for financing the needs of members such as education costs, medical expenses, and so on. The purpose of this study was to determine the terms and conditions of financing Qardhul Hasan at BMT Al-Amanah Subang Branch; To find out the Qardhul Hasan contract financing system at BMT Al-Amanah Subang Branch; and To find out the benefits of the Qardhul Hasan Agreement for members and managers of BMT Al-Amanah Subang Branch. The results of this study 1). The terms and conditions of Qardhul Hasan financing at BMT Al-Amanah Subang Branch do not use collateral on the condition that they must become members of BMT Al-Amanah, and members are no longer able to pay installments of previous contract financing that have matured; 2. Qardhul Hasan Financing System at BMT Al-Amanah Subang Branch, namely: a). For members of BMT Al-Amanah who are active members by having principal and mandatory savings, b). For members who already have financing, which is past due, but have difficulty paying the financing installments, BMT Al-Amanah converts the contract into Qardhul Hasan; 3). The benefits of Qardhul hasan for members and managers are: a). For members, it is very helpful for members who are having difficulty paying installments and as a source of non-commercial loans / bailout funds, b). For managers, namely because Qardhul Hasan financing is social and please help it will give a good image for BMT Al-Amanah Subang Branch.

Analisis Kinerja Keuangan Bank Syariah Dengan Metode DuPont System Pada PT. Bank BRI Syariah Periode 2016-2019

It is very important to measure financial performance by digging up more information contained in financial statements, financial statements are the end result of the accounting process, which must provide useful information for decision making by various parties. This study aims to obtain an overview of the company's financial performance by applying the DuPont System method. In addition, this analysis can evaluate changes in company conditions and performance, whether there is an increase or decrease or both. The variables used in the DuPont System calculation are Return On Investment, Total Asset Turnover, and Net Profit Margin. The method used in this study is quantitative descriptive, the source of the data needed in this study is secondary data, the data used in this study are data published by BRI Syariah Bank and BRI Syariah Bank publication reports that exist at the Service Authority. Finance (OJK). The results of this study indicate that the performance of BRISyariah fluctuates every year. Where tends to decrease at the level of Net Profit Margin, Total Assets Turnover, and Return On Investment. The highest Net Profit Margin for five years occurred in 2016 at 6.16% and the lowest occurred in 2019 at 2.04%. The largest Total Assets Turnover was 0.10 times in 2016 and the lowest was 0.08 times in 2019. The highest Return On Investment was 0.16% in 2016 and the lowest was 0.17% in 2019. This shows that the performance of BRI Syariah Bank in generating profits is said to be poor because it tends to decrease every year, even though the level of the DuPont System at BRI Syariah Banks has fluctuated, but it is still said to be positive due to the determination of the DuPont Syatem level criteria, namely the ROI of BRI Syariah Banks is still quite healthy.

Analisis Praktek Akad Qardhul Hasan Dalam Perspektif Ekonomi Syari’ah Di Koperasi Dewan Kemakmuran Masjid At-Taqwa Desa Cicadas Sagalaherang Kabupaten Subang

Koperasi pada umumnya merupakan lembaga pembiayaan yang menerima simpanan dan pinjaman untuk pembiayaan, dengan menghimpun dana dari para anggotanya yang kemudian dana tersebut disalurkan kembali kepada para anggota atau masyarakat umum. Penelitian ini bertujuan untuk menganalisis penerapan pembiayaan Qardhul Hasan dalam perspektif Ekonomi Syariah yang dilaksanakan di Koperasi Dewan Kemakmuran Masjid At-Taqwa Desa Cicadas Kecamatan Sagalaherang Kabupaten Subang. Qardhul Hasan memiliki arti yaitu pinjaman yang baik, Produk Qardhul Hasan merupakan penawaran pembiayaan kepada nasabah yang akan digunakan untuk usaha mikro, kemudian anggota mengembalikan angsuran sesuai dengan nominal yang dipinjam pada waktu yang telah ditentukan, dan penting sekali kita mengkaji bagaimana penerapan Qardhul Hasan dalam perspektif ekonomi syariah, karena pinjam meminjam merupakan salah satu bagian dari kehidupan kita didunia. Penelitian ini bertujuan untuk mengetahui bagaimana ketentuan dan penerapan akad Qardhul Hasan, perspektif ekonomi syari’ah terhadap akad Qardhul Hasan dan dampak akad Qardhul Hasan terhadap masyarakat. Jenis penelitian ini adalah kualitatif dengan menggunakan metode deskriptif analisis. Sumber data yang digunakan meliputi data primer dan sekunder. Adapun hasil analisis diketahui bahwa pelaksanaan akad Qardhul Hasan di Koperasi Dewan Kemakmuran Masjid At-Taqwa Desa Cicadas sesuai dengan syariat islam. Hal ini nampak dimana pihak koperasi memberikan pinjaman tanpa adanya tambahan. Dalam akad Qardhul Hasan di Desa Cicadas terdapat pembiayaan macet. faktornya yaitu, pertama, karena kurangnya pengarahan dan bimbingan dari pihak koperasi. Kedua, karena kelalaian anggota itu sendiri. Dampak yang anggota rasakan yaitu sangat membantu untuk biaya modal usaha, sekolah, kesehatan.