IMPLEMENTASI HYBRID CONTRACT PADA PEMBIAYAAN MURABAHAH BIL WAKALAH DI BNI SYARIAH CABANG MAKASSAR

Hybrid contract that is collecting two or more contracts in one financing. Murabaha financing product is an example of a financing product that is often compiled with a wakalah contract that aims to make customers free to choose the items needed because the bank is unable to provide all the items customers need. This study discusses the implementation of hybrid contracts in murabaha financing wakalah with a focus of research to determine the provisions of hybrid contracts in murabaha financing wakalah and implementation of the provisions of hybrid contracts murabaha bil wakalah BNI Syariah KC Makassar.This study uses a qualitative method. Primary data in this study were obtained through direct observation and interviews. Whereas secondary data was obtained from literature such as browsers, Makassar Syariah KC Makassar Microfinance financing manuals and examples of murabahah contracts when the BNI Syariah KC Makassar was held.The results of this study indicate that there are terms and conditions for murabaha financing wakalah contained in 22 articles which emphasize starting from financing provisions to settling disputes in murabaha financing wakalah. The implementation of murabaha bil wakalah at BNI Syariah KC Makassar is also not fully in accordance with the provisions of Fatwa DSN-MUI No. 04 of 2000 concerning murabaha because the bank did not explain the purchase price of the murabahah object to the customer so that it violated the provisions of Fatwa DSN-MUI No. 04 of 2000 6 about murabaha.

PERSEPSI MASYARAKAT ISLAM TERHADAP SOLUSI PERMODALAN PADA LEMBAGA KEUANGAN DI KECAMATAN CEMPA KABUPATEN PINRANG

The lack of understanding of the Islamic community in financial institutions often causes problems in obtaining interest-free business capital solutions. Therefore it is necessary to understand people's perceptions of the capital of financial institutions. These problems can be identified by tracing the process of acquiring, interpreting, selecting, and organizing sensory information. The results of tracking people's perceptions of the capital of financial institutions will be analyzed using Islamic economic analysis.This research uses a qualitative approach and in collecting data using methods of observation, interviews, and documentation. Analysis of the data obtained from interviews, field notes, and other materials, was compiled systematically so that it was easily understood and elaborated in the form of quotations to find out how people's perceptions of capital in financial institutions as well as knowing capital concepts in the Cempa community with Islamic economic analysis.The results showed that: 1) Community perception The earthquake on capital issued by financial institutions is very helpful in improving the community's economy, especially in venture capital. 2) The concept of capital in the average earthquake community still uses conventional financial institutions that use the interest system that is prohibited by Islamic law. The Cempa community still uses the services of conventional financial institutions as a place for capital, because there are no Islamic financial institutions in the area. 3) Financial institutions in the Cempa community are quite evident from the results of interviews, the community uses the services of financial institutions as a place for business capital.

Pelaksanaan Pengawasan dan Pembinaan Pembiayaan Murabahah Bermasalah di KSPPS BMT Husnul Aulia Ciledug

Penelitian ini bertujuan untuk mengetahui pelaksanaan pengawasan dan pembinaan pembiayaan murabahah bermasalah di BMT Husnul Aulia Ciledug. Penelitian ini menggunakan penelitian kualitatif dengan metode pengumpulan data menggunakan wawancara, observasi dan dokumentasi kemudian dianalisis menggunakan deskriptif analisis.Adapun hasil dari penelitian ini: pelaksanaan pengawasan preventif pembiayaan murabahah di BMT Husnul Aulia yaitu dengan melakukan pengawasan secara administratif yaitu pengecekan terhadap semua berkas persyaratan dan menerapkan prinsip 6C dalam analisis pembiayaan, sedangkan pelaksanaan pengawasan represif pada pembiayaan murabahah bermasalah yaitu dengan melakukan pengawasan langsung mendatangi tempat usaha anggota BMT secara rutin dan melakukan pengawasan tidak langsung yaitu cekling nominatif. Selain pengawasan, BMT HusnulAulia melakukan pembinaan yaitu dengan mendatangi tempat usaha atau kediamannya dan memberikan masukan serta solusi atas masalah yang sedang dihadapi dalam usahanya sehingga timbul pembiayaan bermasalah. Kata Kunci: Pengawasan, Pembinaan, Murabahah, Pembiayaan Bermasalah.

HARGA JUAL DAN TINGKAT MARGIN: PREFERENSI NASABAH DALAM MENGGUNAKAN PRODUK PEMBIAYAAN MURABAHAH BMT AS’ADIYAH SENGKANG

Penelitian ini akan membahas tentang pengaruh harga jual dan tingkat margin terhadap keputusan pelanggan untuk menggunakan produk murabahah BMT As'Adiyah Sengkang. Tujuannya adalah untuk mengetahui apakah biaya barang dan tingkat margin memiliki pengaruh yang signifikan bagi pelanggan menggunakan produk murabahah di BMT As'Adiyah Sengkang. Jenis penelitian ini menggunakan jenis penelitian kuantitatif dengan menggunakan analisis statistik deskriptif dan akan ditafsirkan menggunakan uji regresi linier berganda. Hasil penelitian menunjukkan, secara simultan, harga jual dan tingkat margin memiliki pengaruh yang signifikan terhadap pengambilan keputusan tentang pembiayaan murabahah BMT As'adiyah Sengkang. Namun secara parsial harga jual berpengaruh signifikan sedangkan margin tidak berpengaruh terhadap keputusan nasabah.

PENGARUH NON-PERFORMING FINANCING PEMBIAYAAN MUDHARABAH DAN MURABAHAH TERHADAP TINGKAT PROFITABILITAS BANK XXX SYARIAH

This study aims to determine whether there is an influence of Non-Performing Financing on mudharabah and murabaha financing on the level of profitability and want to know the dominant variables that simultaneously influence the level of profitability at the Sharia xxx Bank. This research is a quantitative research with descriptive method. Data collection is derived from financial statements. The method used to test hypotheses is to use multiple regression analysis techniques, t test, f test, coefficient of determination (R2). The results showed: Based on the results of the t test (partial) which showed that the significance value of Non-Performing Financing (NPF) mudharabah financing was -1,761 with a significance probability of 0.220 which means it was greater than the α value of 0.05, so it can be concluded that Non-Performing Financing (NPF) mudharabah financing has a negative and partially significant effect on profitability (ROA) at the Sharia xxx Bank. And the results of the t test (partial) which shows that the significance value of Non-Performing Financing (NPF) murabaha financing is 2,422 with a significance probability of 1.36 which means it is greater than the α value of 0.05, so it can be concluded that Non-Performing Financing (NPF) murabaha financing has a positive and significant effect on profitability (ROA) at the Sharia xxx Bank. And the dominant variable simultaneously influencing the level of profitability at the Sharia xxx Bank is the Performing Financing (NPF) of murabahahyakni financing at 1.36.

PENGARUH QUALITY OF WORK LIFE (QWL) TERHADAP KINERJA PEGAWAI DI BANK DANAMON SYARIAH MAKASSAR

This study discusses the influence of Quality of Work Life conducted by Bank Danamon Syariah Makassar. Quality of Work Life is a management concern about how work can affect humans, organizational effectiveness and the importance of employee participation in decision making processes, especially those related to career, income and time. front of them in their work. The purpose of this research is to find out whether the effect of Quality of Work Life consisting of Rewards System, Work Environment, and Work Restructuring variables influences employee performance. And to find out the dominant variables simultaneously influencing. This research is a quantitative research with descriptive method. The data collection is done through the distribution of questionnaires. The method used to test hypotheses is to use Validity Test, Reliability Test, Normality Test, Multiple Regression Analysis, T Test, F Test, Adjusted R Square, and Double R Correlation. Linear regression test results, Y = 11,976 + 0.488 x 1 + 0.081 x 2 + 0.033 x 3, it can be concluded that the variable X1 is the Rewards System that has a value of 0.488 and has a positive and significant effect on employee performance variables (Y), variable X2, namely Environment Work with a value of 0.081 does not have a positive and significant effect on the Employee Performance variable (Y), variable X3, namely Work Restructuring, which has a value of 0.033, does not have a positive and significant effect on the employee performance variable (Y). The results of this study indicate: based on the t (partial) calculation of the reward system, the calculated value is 3.450 and the value (sig) = 0.002 is smaller than the probability value that is 0.05 or 0.002 <0.05, meaning that the dominant reward system variable has a positive and significant effect on employee performance at Bank Danamon Syariah Makassar. T-test results (partial) work environment obtained a calculated value of 0.650 and (sig) = 0.521 greater than the probability that is, 0.05 or 0.521> 0.05 means that the work environment variable does not affect the performance of employees at Bank Danamon Syariah Makassar. And the t-test results (partial) work restructuring obtained a calculated value of 0.239 and (sig) = 0.813 greater than the probability of 0.05 or 0.813> 0.05 which means the work restructuring variable has no effect on employee performance at Bank Danamon Syariah Makassar

ANALISIS ETIKA BISNIS ISLAM TERHADAP PERILAKU PENADAH IKAN EKSPOR DI KEC. MALLUSETASI KABUPATEN BARRU

Kegiatan jual beli merupakan salah satu aktivitas kehidupan manusia sebagai kegiatan untuk memenuhi kebutuhan. Islam tidak menghalalkan segala cara dalam jual beli, tetapi juga sangat di perlukan etika. Etika merupakan seperangkat prinsip moral yang membedakan yang baik dari yang buruk dan bersifat normative, ia berperan menentukan apa yang harus di lakukan atau tidak boleh dilakukan oleh individu maupun kelompok. Di dalam etika jual beli yang menjadi salah satu hal terpenting adalah adanya kejujuran dari dua belah pihak yang merupakan puncak moralitas iman dan karakteristik yang paling menonjol dari orang-orang beriman. Tanpa adanya kejujuran, kehidupan agama tidak akan berdiri tegak dan kehidupan dunia tidak berjalan dengan baik. Penelitian ini bertujuan untuk mengetahui praktik jual beli antara nelayan dan penadah ikan ekspor di Kecamatan Mallusetasi Kabupaten Barru. Serta analisis etika bisnis Islam terhadap praktik jual beli antara nelayan dan penadah ikan ekspor di Kecamatan Mallusetasi Kabupaten Barru. Jenis penelitian yang digunakan dalam skripsi ini adalah metode deskriptif kualitatif, data dalam penelitian ini diperoleh dari data primer dan data sekunder. Teknik pengumpulan data yang digunakan adalah observasi, wawancara, dan dokumentasi. Adapun teknik analisis datanya yaitu menggunakan analisis data kualitatif. Hasil penelitian ini menunjukkan bahwa Pada kegiatan jual beli antara penadah dan nelayan pengaturan timbangannya diatur oleh pihak penadah. Penentuan harga ditentukan oleh penadah ini terkadang menjadi keluhan tersendiri oleh pihak nelayan. Banyaknya keluhan mengenai proes jual beli yang dilakukan dengan penadahnya. Hal ini masih menjadi permasalahan yang sering terjadi. Terlebih lagi, ketika nelayan tidak memiliki tempat lain untuk menjual ikannya. Pada praktik jual beli yang di teliti oleh penulis, masih banyak terdapat permasalahan. Letak permasalahanannya adalah pada penerapan etika bisnis Islam dalam kegiatan jual beli ikan ekspor. Pada kegiatan jual beli di Kec. Mallusetasi hampir keseluruhan kegiatannya tidak sesuai dengan prinsip etika bisnis Islam

STRATEGI MINDSET ENGLISH CENTER PAREPARE PERSPEKTIF MANAJEMEN SYARIAH

This research is a qualitative research using a sociological normative approach. Data were collected using observation and interview methods. Data analysis technique used is to reduce data, present data and draw conclusions. The results of this study can be stated that 1) Strategic planning of the Parepare English Center Mindset can help, assist and ease the cost of English courses. 2) Implementation of the Parepare Mind Center English Center strategy, which means that participants can make payments easier. 3) Evaluate the Parepare Mind Center English Center strategy to run effectively and efficiently. If this is related to sharia management, it is in accordance with the principles of sharia management, namely justice, trustworthiness and accountability, as well as communicative.

KONSEP KEADILAN DALAM ZAKAT PERTANIAN DAN ZAKAT PROFESI

One of the economic activities that is highly recommended by Islam is zakat. Al-Qur'an and hadith explain a lot about zakat, where zakat is very important and it is recommended to clean up wealth. In addition, the wealth spent on zakat will be a blessing, growth, increase and develop. The concept of fairness in collecting zakat includes several things, namely using the principle of justice in distribution. the assets issued fulfill the terms and conditions and then the zakat is given to groups which are entitled to receive. This study aims to determine how the concept of justice in agricultural zakat and professional zakat, where this research uses a library approach and uses data collection methods and data processing validly. Justice in agricultural zakat and professional zakat is justice based on two principles of justice (commutative justice and distributive justice). Agricultural Zakat is zakat of agricultural products such as cloves, cocoa, coffee, vegetables and can be stored for a long time removed from the harvest and has reached nishab which is 5% if the crop is irrigated with irrigation equipment and if the crop is irrigated with rainfed then the zakat is 10 % and does not have to pay zakat if it does not reach nishab. While professional zakat is zakat resulting from the thoughts, skills and expertise of a person obtained through higher education levels such as (advocates, lawyers, doctors, engineers, etc.) and has reached 2.5% of nishab, the proportion of which is equal to gold zakat and has also been equal reach haul. If the income does not reach nishab, it is not obligatory for it to pay zakat

IMPLIKASI PENAMBANGAN PASIR DALAM MENINGKATKAN PEREKONOMIAN MASYARAKAT PADAIDI KAB. PINRANG

Masalah lingkungan akan timbul dari adanya interaksi antara aktivitas ekonomi manusia dan sumberdaya alam, yang berawal dari adanya permintaan penduduk akan barang dan jasa, selanjutnya mengakibatkan meningkatnya permintaan sumber daya alam. Melalui kegiatan ekonomi, sumber daya alam tersebut diekplotasi untuk menghasilkan sebuah produk berupa barang dan jasa. Pada daerah kelurahan padaidi eksplotasi sumber daya alam yang dihasilkan untuk menghasilkan barang atau jasa dilakukan melalui penambngan pasir, penambang pasir menjadi salahsatu faktor pertumbuhn ekonomi pada suatu daerah khususnya padaidi yang merupakan lokasi penambangan pasir. Jenis penelitian yang digunakan dalam skripsi ini adalah metode deskriptif kualitatif, data dalam penelitian ini diperoleh dari data primer dan data sekunder. Teknik pengumpulan data yang digunakan adalah wawancara, observasi, dan dokumentasi. Adapun teknik analisis datanya yaitu menggunakan analisis data kualitatif. Implikasi dalam menentukan hasil dari penelitian menggunakan proses sehingga menhasilkan peningkatan perekonomian dengan melihat dampak baik dan buruknya serta bagaimana mengetahui perkembangan perekonomian masyarakkat sebelum dan sesudah adanya tambang pasir di Kelurahan Padaidi sebagai lokasi penelitian, dan ingin mengetahui bagaimana analisis hukum ekonomi islamnya. Hasil penelitian ini menunjukkan bahwa:1) perkembangan ekonomi masyarakat sudah dapat meningkatkan perekonomian masyarakat dengan melihat perkembangan ekonomi masyarakat sebelum dan sesudah adanya pertambangan pasir 2) implikasi yang dihasilkan dalam melihat dampak positif dan negatifnya sudahh sangat membantu masyarakat, seperti terbukanya lapangan pekerjaan dan tingkat pendapatannya bagi masyarakat, dan tidak terlalu berdampak buruk pada lingkungan 3)standar produksi jual beli berdasarkan ekonomi islam pada pertambangan yaitu sudah dinilai dengan baik oleh masyarakat, serta tidak terlalu berdampak pada lingkungan dan tingkat kemakmuran masyarakat sangat baik