SEMB-J : Sharia Economic and Management Business Journal最新文献

Forms of Implementing Corporate Social Responsibility in Indonesian Sharia Banks 印度尼西亚伊斯兰教银行履行企业社会责任的形式

SEMB-J : Sharia Economic and Management Business Journal Pub Date : 2024-02-27 DOI: 10.62159/sembj.v4i3.1186

Reza Riznando, Yopi Yopi, Gandi Agung Pranata

引用次数: 0

IB Hijrah KPR Financing Mechanism with Murabahah Akad at Bank Muamalat IB Hijrah KPR 在 Muamalat 银行利用 Murabahah Akad 融资机制

SEMB-J : Sharia Economic and Management Business Journal Pub Date : 2024-02-21 DOI: 10.62159/sembj.v5i1.1201

Olga Mutiara Umi, Romi Adetio Setiawan, Syaifudin Syaifudin

{"title":"IB Hijrah KPR Financing Mechanism with Murabahah Akad at Bank Muamalat","authors":"Olga Mutiara Umi, Romi Adetio Setiawan, Syaifudin Syaifudin","doi":"10.62159/sembj.v5i1.1201","DOIUrl":"https://doi.org/10.62159/sembj.v5i1.1201","url":null,"abstract":"This research aims to comprehend the mechanism of financing for Islamic Home Ownership Credit (Kredit Pemilikan Rumah - KPR), particularly KPR IB Hijrah, and seeks solutions to address financing issues arising through the application of the murabahah contract at Bank Muamalat Bengkulu Kc S. Parman. The research method employed is field research with a qualitative descriptive approach. Data were gathered through observation, interviews, and documentation. The study concludes that the KPR IB Hijrah financing process involves stages such as application submission, fulfillment of requirements, scrutiny of document prerequisites, financing approval, and the execution of the murabahah contract. Customer responses to the financing mechanism indicate a clear understanding of requirements and administrative costs. To address emerging financing problems, the researcher recommends several solutions. Firstly, a direct approach to customers to provide a deeper understanding of the issues they face. Secondly, proactive and periodic debt collection efforts to prevent payment delinquencies. Additionally, issuing warning letters can serve as an initial step in resolving issues. In more complex cases, restructuring of financing is suggested as an alternative solution. Finally, if necessary, collateral execution can be implemented as a last resort in resolving problematic financing.","PeriodicalId":517331,"journal":{"name":"SEMB-J : Sharia Economic and Management Business Journal","volume":"2 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139957824","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

The Significance of the Development of the Salted Fish Industry for Community Economic Growth from an Islamic Economic Perspective (Study on Baai Island, Kampung Melayu, Bengkulu City) 从伊斯兰经济角度看发展咸鱼产业对社区经济增长的意义（对明古鲁市甘榜美拉尤巴艾岛的研究）

SEMB-J : Sharia Economic and Management Business Journal Pub Date : 2024-02-02 DOI: 10.62159/sembj.v5i1.1204

Yuyun Novia Sari, Herlina Yustati, Idwal B

引用次数: 0

The Influence of Brand Ambassadors on Tokopedia Buyer Interest in View from the Islamic Economic Consumption Theory 从伊斯兰经济消费理论看品牌大使对 Tokopedia 购买者兴趣的影响

SEMB-J : Sharia Economic and Management Business Journal Pub Date : 2024-01-26 DOI: 10.62159/sembj.v4i2.1050

Yelpi Hertina

引用次数: 0

The Role of Financial Literacy on Student Investment Choices 金融知识对学生投资选择的作用

SEMB-J : Sharia Economic and Management Business Journal Pub Date : 2024-01-26 DOI: 10.62159/sembj.v4i2.1120

Sherly Wahyunita Sari, Dini Putri Pebrianti, Agung Threy Wahyu, Herlina Yustati

引用次数: 0

Analysis of Differences in Consumer Perceptions of Service Quality from an Islamic Perspective (Study of Panorama Traditional Markets and Hypermart Modern Markets) 从伊斯兰视角分析消费者对服务质量认知的差异（全景传统市场和超级市场现代市场研究）

SEMB-J : Sharia Economic and Management Business Journal Pub Date : 2024-01-25 DOI: 10.62159/sembj.v5i1.1192

Nana Aprina, Desi Isnaini, Faisal Muttaqin

{"title":"Analysis of Differences in Consumer Perceptions of Service Quality from an Islamic Perspective (Study of Panorama Traditional Markets and Hypermart Modern Markets)","authors":"Nana Aprina, Desi Isnaini, Faisal Muttaqin","doi":"10.62159/sembj.v5i1.1192","DOIUrl":"https://doi.org/10.62159/sembj.v5i1.1192","url":null,"abstract":"The purpose of this research is to determine the differences in consumer perceptions of service quality, namely: the direct evidence dimension (tangibles), the reliability dimension, the responsiveness dimension, the assurance dimension, and the empathy dimension in the traditional market \"Panorama ” and the Modern Market “Hypermart”. To test this, researchers used quantitative methods with primary data collection techniques in the form of questionnaires distributed to 200 respondents. The data analysis technique used is an independent sample t-test using the SPSS version 25 program. From the results of the research and discussion, it was found that differences in consumer perceptions of service are found in the dimension of attention (empathy) with a significance value (sig-2-tailed) of 0.003 for the empathy variable. at a significance level of 5% this value is significant because the significance is 0.003 > 0.05 and for the dimensions of tangibles, reliability, responsiveness, and assurance there is no difference in perception because the significance value is greater than 0.05. With this research, it is known that there are differences in perceptions in the empathy dimension and it is hoped that this can become a benchmark for improving service performance.","PeriodicalId":517331,"journal":{"name":"SEMB-J : Sharia Economic and Management Business Journal","volume":"14 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-01-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140495655","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

Application of the Mudharabah Agreement in the Profit Sharing System for Raising Cattle (Study in Penago II Village, Ilir Talo District, Seluma Regency) 穆达拉巴协议在养牛利润分享制度中的应用（对塞卢马省伊利尔塔洛县佩纳戈二村的研究）

SEMB-J : Sharia Economic and Management Business Journal Pub Date : 2024-01-25 DOI: 10.62159/sembj.v5i1.1207

Titi Nur Wahidah, Asnaini Asnaini, M. Makmur

{"title":"Application of the Mudharabah Agreement in the Profit Sharing System for Raising Cattle (Study in Penago II Village, Ilir Talo District, Seluma Regency)","authors":"Titi Nur Wahidah, Asnaini Asnaini, M. Makmur","doi":"10.62159/sembj.v5i1.1207","DOIUrl":"https://doi.org/10.62159/sembj.v5i1.1207","url":null,"abstract":"The purpose of this research is to find out how the application of the contract that has been running in Penago II Village, Ilir Talo Subdistrict, Seluma Regency and to find out the application of the mudharabah contract on the profit sharing of raising cattle in Penago II Village, Ilir Talo Subdistrict, Seluma Regency. This research uses a qualitative descriptive approach. Informants in the study were 8 people. Data collection techniques using observation, interviews, and documentation. Data analysis techniques use data reduction, data presentation and conclusion drawing. From the results of the research and discussion, it is concluded that the application of the contract that occurred in Penago II Village uses agreements and profit sharing, capital, profit sharing, risks and continuation of the contract if one of the parties dies, influencing factors, various types of cows that are in the field, and the time period. the agreement is only done verbally only trust each other in making this agreement, the profit sharing system in the mudharabah contract carried out between the owner and the manager in Penago II Village. With the division of the ratio divided 60:40. This occurs by agreement between the two parties. If in the process of this contract there is a loss, it will be borne by both parties, as long as the mistake is not due to the negligence of the manager. The profit sharing carried out by the people of Penago II Village is in accordance with the concept of mudharabah in Islamic Economics, namely, capital, management, collateral, time period and profit ratio to the manager. So that the profit sharing carried out by the people of Penago II Village is going well.","PeriodicalId":517331,"journal":{"name":"SEMB-J : Sharia Economic and Management Business Journal","volume":"226 2","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-01-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140495395","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0