Al-Mashrafiyah: Jurnal Ekonomi, Keuangan, dan Perbankan Syariah

Implementation of Murabahah Contract on Home Ownership Financing at Bank Muamalat KC Depok

Elviyani Limbong, Subali — Mon, 07 Oct 2024 14:11:41 +0000

This study explores the implementation of the Murabahah Agreement for home ownership financing at Bank Muamalat KC Depok through field research employing qualitative methods. Data collection involved observation, interviews with staff and customers, and documentation review from relevant literature and books. The analysis utilized descriptive techniques, examining primary and secondary data sources. Findings indicate that Bank Muamalat KC Depok adheres to the Fatwa of the National Sharia Council of the Indonesian Ulema Council No. 04/DSN-MUI/IV/2000 on Murabahah, ensuring each stage of the agreement aligns with Islamic principles and conditions specified in the Fatwa. The study confirms that the bank effectively implements Islamic law in its KPR iB Hijrah financing, complying with regulatory standards.

The Role Of Digital Financial Services In Accelerating Womens Economic Empowerment In Indonesia: What Is Left To The Learn

Siti Nur Azizah, Annisa Nur Salam — Mon, 07 Oct 2024 14:13:54 +0000

The rapid growth of digital financial services provides opportunities for advancing gender equality more broadly. This is because digital financial services (DFS) are increasingly accessible to homemakers who do not have bank accounts. So that can use it can use to reduce gender disparities in accessing finance and advance women's economic empowerment (WEE) within their households and local economies, this study aims to examine the effect of digital financial services (DFS) on Women's Economic Empowerment. This study uses descriptive statistical analysis. Descriptive statistics seek a complete and accurate description of a situation and are needed to identify the distribution and behavior of the data held. Collected the secondary data from various sources to study the role of digital financial services in Indonesia like 120 women who use smartphones, are homemakers and are active in social organizations in Indonesia, such as account holders who use digital payments to pay their electricity bills, pay motorbike bills and shop for various household needs. The results of this study indicate that the use of digital financial services has a positive effect on reducing the gender gap and on women's economic empowerment.

The Effect of Mudharabah Financing on MSME Customer Income

Ayushandra Saskiaputri, Trisni Handayani — Mon, 07 Oct 2024 14:16:51 +0000

Indonesia's rapid economic growth demands the vital role of MSMEs in supporting economic development. However, in reality, MSMEs often face obstacles in developing their businesses. As an Islamic financial institution, BMT is expected to provide solutions with mudharabah financing in helping MSMEs develop their business and increase their business income. This study aims to determine the effect of mudharabah financing on the income of MSME customers at BMT Riyadhul Jannah. The research method used by researchers in this study is a quantitative method with a type of survey method. The population in this study was 200 customers, with a sample size of 30 MSME customers who used mudharabah financing. The data collection technique is using observation and distributing questionnaires or questionnaires. Based on the results of the study, it shows that mudharabah financing has a positive impact on the income of MSME customers at BMT Riyadhul Jannah.

Examining the Impact of Murabahah Financing at BMT Berkah Madani on Development Micro, Small and Medium Enterprises (MSMES)

Muhammad Bayu Lesmana, Mega Octaviany, Ahmad Sandi — Mon, 07 Oct 2024 00:00:00 +0000

The aim of this research is to examine the impact of Murabahah financing on the development of MSMEs. The research method employed a quantitative approach. Primary data was collected through the distribution of questionnaires to 100 customers of BMT Berkah Madani, while secondary data was obtained from literature, journals, and BMT Berkah Madani's data. The population of this study consisted of BMT Berkah Madani customers who applied for Murabahah financing. Non-probability sampling was used as the sampling method. The collected data was processed using SPSS Version 27. The findings of the research indicate a significant relationship between Murabahah financing and the development of MSMEs, with a correlation coefficient value of 0.786 and a coefficient of determination of 0.618, demonstrating a strong and significant influence of Murabahah financing on the development of MSMEs.

Factors Affecting Electronic Customer Satisfaction and Loyalty M-banking Users of Bank Syariah Indonesia

Siti Nur Farida, Siti Zulaikha — Thu, 31 Oct 2024 06:37:48 +0000

Mobile banking is a mobile technology innovation provided by retail banks and microfinance institutions in developed and developing countries, the existence of m-banking has the potential to have a major impact on market share. Customer satisfaction and loyalty are important factors in the development and management of Islamic banking. This study aims to determine the effect of electronic service quality factors through six dimensions on customer satisfaction and loyalty. Some factors that can affect customer satisfaction of m-banking users include the dimensions of comfort, security, convenience, design, application system and personal need. This research uses a quantitative approach with the adoption of SEM-PLS techniques. Primary data of 204 obtained through distributing questionnaires were analyzed using SmartPLS version 4 software, showing the results that the dimensions of convenience, application systems and personal need have a positive and significant effect on satisfaction, satisfaction is proven to have a positive and significant effect on loyalty, while convenience, security and design have no significant effect on customer satisfaction of BSI m-banking users. Research contributes to providing strategic recommendations for marketers and policy makers to increase customer satisfaction and loyalty of Bank Syariah Indonesia customers.

The Effect of Obligation Religiosity, Halal Literacy and Halal Label on Student Perceptions with Brand Awarness as a Moderating Variable

Ali Wardani, Abdul Wahab, Syahruddin, Ahmad Fauzan — Thu, 31 Oct 2024 07:02:02 +0000

The circulation of food mixed with non-halal ingredients forces Muslim consumers to have good perceptions of halal food. This study attempts to analyse the factors (religiosity obligation, halal literacy and halal label) in influencing the perception of halal food. This type of research is quantitative research with an associative approach. The results of the study concluded that religiosity obligation, halal literacy and halal labels have a significant positive effect on the perception of halal food for Muslim consumers. Brand awarness, although moderating the relationship between the halal label and the perception of halal food, on the other hand, does not moderate the relationship between religiosity obligation and halal literacy with the perception of halal food for Muslim consumers. This means that although the current research trend is that halal literacy has no effect on the perception of halal food, this study concludes otherwise, namely halal literacy has a significant positive effect on the perception of halal food. This conclusion is very useful for halal food producers in increasing sales through halal labels and increasing brand awarness through advertising or increasing halal literacy of Muslim consumers.

An Overview of BSI Mobile Banking Services' Sharia Principles Compliance Implementation Perspective Maslahah Mursalah

Rizka Rahmatllah Zidna, Mugiyati, Muhammad Raihan Syamil — Fri, 20 Dec 2024 02:06:18 +0000

Implementation of Shari'ah values is the distinguishing aspect between conventional and Shari'ah systems, including the development of Internet-based banking products. The technology that Islamic banks utilise also has to conform to Sharia rules, particularly as it relates to mobile banking. This research uses a literature review method with qualitative approaches with a focus on Sharia principles in DSN-MUI Fatwa No.10/DSN- MUI/VI/2000 regarding the use of Bank Syariah Indonesia's mobile banking service system and assessed with mashlahah mursalah. This research shows that the implementation of Shariah principles in BSI mobile services based on the DSN-MUI fatwa on wakalah has been carried out with the specified conditions. Reviewing the benefits obtained from mobile banking services shows that there are elements of goodness in it, so the analysis of online-based banking services at BSI Mobile is in compliance with the concept of Maṣlaḥah Mursalah according to Ash-Syatibi, as it has fulfilled the specified conditions.