Penerapan Akad Mudharabah Pada Produk Tabungan di PT. Bank Syariah Mandiri KC Prabumulih

Sharia banking is currently on the rise and has become a reference for people to invest their funds for various needs. For this reason, various sharia banking products must be able to be understood by the public, one of which is the application of the mudharabah contract to savings products. This article discusses the application of the Mudharabah contract to savings products at PT. Bank Syariah Mandiri KC. Prabumulih. This article uses qualitative research by collecting data through direct interviews with stakeholders at Bank Syariah Mandiri Prabumulih Branch. The results of this study are the implementation of the contract used in planning savings is the mudharabah muthlaqah contract, which is a form of cooperation between shahibul maal (fund owner), namely the customer and mudharib (fund manager), namely the bank, where the owner of the fund (shahibul maal) does not impose limits on the mudharib in determine the type of business, time and area of business as long as it does not conflict with sharia principles and is in accordance with bank regulations.

PENGENDALIAN INFLASI, MONETER, DAN FISKAL DALAM PERSPEKTIF EKONOMI MAKRO ISLAM

The economic development of a country, including in Indonesia, cannot be separated from the monetary and fiscal policies adopted by each country concerned. However, the monetary and fiscal policies adopted by each country vary depending on the real economic conditions, the direction and development objectives to be achieved. In principle, the management of monetary and fiscal policies aims to maintain the inflation rate by regulating the circulation of money and interest rates which tend to increase in society. The purpose of this research is to find out how the government controls inflation, monetary and fiscal, and their impact on the economy from an Islamic macroeconomic perspective. The method used is library research method and the data used is secondary data which is in accordance with a number of relevant literature. As an effort to overcome inflation, monetary and fiscal policies, the government needs to carry out macroeconomic policies in relation to achieving the inflation target and economic growth. Thus, every country needs to maintain economic stability in accordance with the challenges it faces.

Pemikiran Ibnu Taimiyah Dalam Harga, Pasar dan Hak Milik

Pokok - pokok pemikiran dari salah satu ulama Syaikhul Islam Ibnu Taimiyah yang berkaitan dengan masalah ekonomi, Ibnu Taimiyah memiliki ilmu pengetahuan yang sangat dalam tentang ajaran islam masa depan, pandangan ekonomi yang jernih tentang apa yang kini diharapkan dan bagaimana sesuatu itu bisa dilakukan. Untuk mewujudkan hal tersebut diperlukan kebebasan dalam berusaha dan hak milik, metodologi pada penelitian ini menggunakan metode kualitatif teknik pengumpulan data melalui buku-buku dan jurnal-jurnal yang berkaitan dengan tokoh ibnu taimiyah dalam harga, pasar dan hak milik, hasil dalam penelitian ini menunjukkan bahwa pemikiran ibnu taimiyah merupakan hasil dialog kritis dengan fenomena sosial, ekonomi dan politik pada zamannya. Ia telah memberikan inspirasi tentang bagaimana sebuah negara berperan dalam pembangunan, khususnya pembangunan ekonomi

ANALISIS PELAKSANAAN PELUNASAN HUTANG-PIUTANG PUPUK DIBAYAR DENGAN BERAS DALAM PANDANGAN HUKUM ISLAM DI DESA NIUR KECAMATAN MUARA PINANG KABUPATEN EMPAT LAWANG

Tujuan dari penelitian adalah untuk mengetahui proses pelaksanaan pelunasan hutang-piutang pupuk dibayar dengan beras di Desa Niur, Kecamatan Muara Pinang, Kabupaten Empat Lawang. Untuk mengetahui pandangan Hukum Islam terhadap pelaksanaan pelunasan utang-piutang pupuk dibayar dengan beras di Desa Niur Kecamatan Muara Pinang Kabupaten Empat Lawang. Populasi dalam penelitian ini berjumlah 50 orang, dalam hal ini yang menjadi populasi dalam penelitian ini adalah anggota kelompok tani yang ada di Desa Niur Kecamatan Muara Pinang Kabupaten Empat Lawang, Menurut Suharsimi Arikunto apabila populasi kurang dari 100 maka yang dijadikan sebagai sampel adalah keseluruhan populasi yang ada yang berjumlah 50 orang. Jenis data yang dikumpulkan dalam penelitian ini yaitu data kualitatif. Analisis data yang telah dikumpulkan dalam penelitian ini didahului dengan metode deskriptif analisis kualitatif, yaitu bertujuan mendeskripsikan masalah yang ada sekarang dan berlaku berdasarkan data-data tentang praktik hutang barang dibayar setelah panen di Desa Niur Kecamatan Muara Pinang Kabupaten Empat Lawang yang didapat dengan mencatat, menganalisis dan menginterprestasikannya kemudian dianalisis dengan teori untuk selanjutnya ditarik sebuah kesimpulan yang sesuai dengan analisis terhadap hutang pupuk dibayar dengan beras di Desa Niur Kecamatan Muara Pinang Kabupaten Empat Lawang. Hasil penelitian menunjukkan bahwa praktik perjanjian hutang piutang yang terjadi di Desa Niur Kecamatan Muara Pinang Kabupaten Empat Lawang terjadi ketika seorang debitur atau muqtarid (penerima utang) datang kepada kreditur atau ketua kelompok tani (muqrid/pemberi utang) untuk melakukan pinjaman, kemudian kedua belah pihak tersebut mengadakan ijab qabul secara lisan dan tulisan. Terjadinya perjanjian hutang piutang dikarenakan petani meminjam pupuk kepada ketua kelompok tani, pupuk tersebut akan dibayar dengan beras dengan nominal 1 sak pupuk akan dikembalikan dengan beras sebesar 25 Kg, apabila petani tidak bisa mengembalikan pada saat musim panen tiba maka petani tidak boleh lagi meminjam pupuk dengan ketua kelompok tani tanpa adanya penambahan lainnya dan ini sudah menjadi kesepakan bersama. Jika di lihat dari segi rukun dan syarat sahnya dalam perjanjian ini sudah memenuhi ketentuan hukum Islam yang berlaku. Mulai dari ‘Āqid (orang yang berhutang dan berpiutang) yaitu sudah cakap hukum atau balig. Kemudian Ma’qūd ‘Alaih (objek), yaitu barang yang dijadikan objek hutang baik pupuk atau uang merupakan sudah sah menurut hukum Islam, namun adanya ketidakpastian harga pada periode akan datang sehingga menyebabkan adanya penambahan secara tidak langsung, hal ini menjadikan transaksi tersebut dilarang atau tidak sesuai dengan syariat Islam.

PENGARUH BAURAN PEMASARAN TERHADAP KEPUTUSAN MENJADI NASABAH PT. BANK NEGARA INDONESIA (PERSERO) TBK KANTOR CABANG PEMBANTU MARTAPURA

This research aims to obtain the results of an analysis of the influence of the marketing mix on the decision to become a customer of PT. Bank Negara Indonesia (Persero) Tbk Martapura Sub-Branch Offices partially and simultaneously. The research methods using quantitative and qualitative approaches, field data collection using questionnaire and interview techniques. The population in this study was 138 customers who opened a savings account at BNI KCP Martapura in April 2020 and samples were 138 respondents. Testing the data using the t test, that the product has no significant effect on the decision to become a customer with t count 1.901 < t table 1.978, price does not significantly influence the decision to become a customer with t count -0.507 < t table 1.978, promotion does not significantly influence the decision to become a customer with t count 1.826 < t table 1.978, place has a significant effect on the decision to become a customer with t count 3.790 > t table 1.978, people / bank officer have a significant effect on the decision to become a customer with t count 2.771 > t table 1.978, physical evidence do not have a significant effect on the decision to become a customer with t count 1.276 < t table 1.978 and the process has no significant effect on the decision to become a customer with t count 1.650 < t table 1.978. The F Test Results that the product, price, promotion, place, people / bank officer, physical evidence and process simultaneously have a significant effect on the decision to become a customer with an F count of 35.055 > F table 2.08. The results showed that the marketing mix variable that had the most significant effect on the decision to become a customer was the place variable. Strategies to increase the interest of prospective customers can be done by maintaining and improving strategic locations that are already owned and improving the skills and abilities of service personnel

PENGARUH DETERMINASI PENYALURAN KREDIT TERHADAP PROFITABILITAS BANK UMUM TERDAFTAR DI BURSA EFEK INDONESIA (BEI)

This research aims to determine the influence of credit distribution determinations of Spread of Interest Rate (SIR), Loan to Deposit Ratio (LDR) and Non Perfoming Loan (NPL) against the profitability of commercial banks. The focus of research is on the banking industry listed on the Indonesia Stock Exchange (IDX). The population used in this research is a public bank listed on the Indonesia Stock Exchange in 2010-2018. This study uses multiple regression analysis methods with data processing techniques using 8 eviews. The test results proved that: 1) The increase in SIR has no effect on the profitability of the national commercial Bank located in IDX period 2010-2018. ; 2) The increase of LDR negatively affects the profitability of the national commercial Bank located in IDX period 2010-2018; 3) The NPL increase affects the increase in profitability of the national commercial Bank located in the IDX period 2010-2018.

GAYA KEPEMIMPINAN DAN KOMPENSASI TERHADAP SEMANGAT KERJA SERTA DAMPAKNYA PADA KINERJA PEGAWAI DI KANTOR PANWASLU SE- KECAMATAN KABUPATEN OKU

The problem in this study, first is whether there is an influence of leadership style and compensation together or partially on morale. Second, whether there is an influence of leadership style, compensation and work spirit together or partially on employee performance. This study aims to find answers to the problem formulation. The design of this study uses a quantitative approach that is associative. This study will explain the relationship of influencing and influenced by the variables to be examined, namely the influence of leadership style and compensation to work morale and its impact on employee performance and does not violate the law, morals, and ethics. The population was 130 respondents, which were sampled in this study were 99 respondents to represent the population of OKU District Panwaslu staff. The sampling technique used in this study is the simple random sampling technique, which is the research sample taken using simple random methods. Analyzing the data in this study used path analysis techniques (path analysis). The results of this study concluded the first positive and significant influence of leadership style and compensation together or partially on work morale. Second, there is a positive and significant influence of leadership style, compensation and working spirit together or partially on the performance of employees in the Oversight Panwaslu Office in OKU Regency. Researchers still suggest that the Panwaslu leadership should pay attention to compensation, encouragement and motivation so that employee performance increases

GADAI DALAM ISLAM

This research is a type of library research that focuses on qualitative data management with data analysis methods using descriptive analysis methods. Pawn in Islam is called Rahn. Islamic pawn shops will only benefit from the rental fees collected not in the form of interest or capital rents calculated from borrowed money.

FAKTOR MINAT DAN PERAN PERKEMBANGAN SUKUK TERHADAP PEMBANGUNAN

In the period between 2010 and the end of 2018, sharia products, especially sukuk in the Indonesian capital market, have shown quite good development. Total funds under management of sharia mutual funds, or better known as the Net Asset Value (NAV), are recorded at Rp 34.5 trillion. This figure is up by 21.8% compared to 2017. The NAV reflects 6.82% of the total conventional and sharia mutual fund NAV. While the number of Islamic mutual funds that have been circulating in the public, there were 224 mutual funds. This figure increased by 23.1% compared to 2017. The number also reflects 10.7% of the total conventional and sharia mutual funds that have been circulating in public (OJK data sources for 2017 and 2018). In that period, the issuance of sukuk was conducted 104 times by 22 issuers and / or public companies with a total sukuk issuance value of Rp 22 trillion or equivalent to 10.5% of the total bond issuance value. The still low total sukuk issuance value compared to the total bond issuance value shows that there are other factors that influence Issuers / PP's interest in issuing sukuk in addition to regulatory factors related to Islamic capital markets which have had a positive influence on the development of Islamic capital markets, especially sukuk

PENGARUH ETOS KERJA, MOTIVASI, DAN IKLIM ORGANISASI TERHADAP KINERJA DEPARTEMEN ASSET & OFFICE MANAGEMENT PT SEMEN BATURAJA (PERSERO) TBK

This research aims to know the analysis result on Work Ethics, Motivation and Organization Climate on The Performance of Asset & Office Management Department at PT Semen Baturaja (Persero) Tbk, both partially and simultaneously. This research is a quantitative research using associative, survey and descriptive method. In analyzing data, doubled linear analysis is used. The population is all 31 personnils of Asset & Office Management Department. The test value of work ethics, motivation and organization climate do not impact on the performance, with thitung -0.053 < ttabel(0,05,n-2) 2,04523, thitung motivation 1 < ttabel(0,05,n-2) 2,04523, and thitung organizaiton climate 1,839 and < ttabel(0,05,n-2) 2,04523. The test value F work ethics, motivation and organization climate impacts positive on performance with Fhitung 10,251 > F tabel(2, n-2) 2,93. Correlation Coefficient (R) 0,730 shows strong positive relation and determination coefficient (R2) 0,532 shows 53,2% from performance variable of Asset & Office Department can be described by work ethics, motivation and organization climate and 46,8% is impacted by other variables. Thus, if work ethics, motivation and organization climate increased partially, would not increase the performance of Asset & Office Management Department, but, if it is increased simultaneously, the performance of Asset & Office Management Department would increase.