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Research paper thumbnail of ANALISIS MEKANISME PERHITUNGAN BAGI HASIL AKAD MUDHARABAH PADA PRODUK TABUNGAN TAAT iB DI BPRS DAYA ARTHA MENTARI KANTOR CABANG GEMPOL KABUPATEN PASURUAN

Jurnal Mu’allim

The banking industry is currently competing to provide convenience in meeting the needs of a grow... more The banking industry is currently competing to provide convenience in meeting the needs of a growing community. One of them is the community's need for lifestyle changes that are increasingly modern, which is one of the banking opportunities to help, namely through fundraising called Savings. BPRS Daya Artha Mentari KC Gempol as a pioneer of Islamic banking in Indonesia has also created products to help its customers obtain fundraising services with various types of programs, one of which is the iB TaaT Savings. In this study, using a descriptive method. The data collection method that the author uses is literature study, observation, recording, and interviews. Based on the research conducted by the author, the author can conclude that this study is entitled Analysis of the Mechanism of Calculation of Profit Sharing for Mudharabah Contracts on TaaT iB Savings Products at BPRS Daya Artha Mentari KC Gempol according to an Islamic Economics review. TaaT iB Savings is a savings prod...

Research paper thumbnail of Analisis Mekanisme Jual Beli Mata Uang (Al-Sharf) Menurut Fatwa DSN-MUI No. 28/MUI/III/2002

MALIA (TERAKREDITASI)

This study aims to determine the mechanism of buying and selling currency in sharia (Ash-Sharf) a... more This study aims to determine the mechanism of buying and selling currency in sharia (Ash-Sharf) according to the DSN-MUI fatwa and the Islamic Hedging mechanism on exchange rates that occur due to the risk of uncertainty in exchange rate movements. This type of research is descriptive qualitative research with a qualitative approach. The data collection method used is secondary data. Data analysis in this study was carried out through data reduction, data categorization, and data verification. The results of the study stated that the mechanism of buying and selling currencies using spot transactions was prohibited. Meanwhile, sharia hedging transactions on exchange rates based on real needs may be carried out on condition that they follow the provisions stipulated in the fatwa.

Research paper thumbnail of Strategi Pengembangan Potensi Desa Melalui Literasi Membangun Desa Wisata di Desa Plintahan Pandaan

Tourism development in an area brings benefits to the community both economically and socially. P... more Tourism development in an area brings benefits to the community both economically and socially. Pasuruan Regency has various tourism objects. One of them is the Coban Binangun waterfall in Plintahan Pandaan village, Pasuruan. The right strategy is needed to attract tourists to visit the Coban Binangun waterfall. This research is a qualitative descriptive study that examines the tourism potential development strategy of Coban Binangun Waterfall in Pasuruan Regency based on internal and external factors. The population in this study were visitors to the Coban Binangun waterfall by using SWOT analysis. The results showed that internal and external factors influenced tourist visits at the Coban Binangun Waterfall attraction, Pandaan Pasuruan. SWOT analysis is a planning and development strategy that can be applied to the Coban Binangun waterfall attraction Pandaan Pasuruan

Research paper thumbnail of Bank: Studi Komparatif Perlakuan Akuntansi Atas Sistem Bunga Dengan Sistem Bagi Hasil Terhadap Kredit Investasi

Perekonomian Indonesia tumbuh dengan pesat, berkembangnya pertumbuhan ekonomi tidak lepas dari le... more Perekonomian Indonesia tumbuh dengan pesat, berkembangnya pertumbuhan ekonomi tidak lepas dari lembaga keuangan yang bermunculan menawarkan berbagai macam jasa, baik jasa dalam lalu lintas pembayaran, pengiriman uang, maupun jasa investasi. Lembaga keuangan tersebut salah satunya adalah lembaga keuangan bank. Bank sendiri macamnya ada bank konvensional, bank syariah, dan unit usaha syariah serta BPR.Untuk memperoleh pendapatan, perbankan selain menggunakan sistem bunga terdapat juga sistem bagi hasil (profit sharing). Penelitian ini bertujuan untukmengetahui perlakuan akuntansi atas sistem bunga terhadap kredit investasi dengan perlakuan akuntansi sistem bagi hasil terhadap kredit investasi.Untuk mendapatkan data dalam penelitian ini menggunakan teknik preliminary research, library research dan field research. Data yang telah terkumpul akan di analisis, dievaluasi dan perbandingan perlakuan akuntansi atas bunga dengan sistem bagi hasil terhadap kredit investasi pada kedua bankterseb...

Research paper thumbnail of Analisis Pembiayaan Musyarakah Terhadap Profitabilitas (Roa) Bank Umum Syariah

MALIA (TERAKREDITASI), 2020

This study aims to determine the effect of musyarakah financing on the profitability of sharia co... more This study aims to determine the effect of musyarakah financing on the profitability of sharia commercial banks in Indonesia using the Return on Assets (ROA) ratio. The research methodology used is descriptive qualitative research. By analyzing the data, it tends to study literature. The results showed that the musharaka financing had a significant negative effect on the profitability (ROA) of Islamic banks.

Research paper thumbnail of ANALISIS PERHITUNGAN DAN MEKANISME PENGAJUAN PEMBIAYAAN PADA AKAD MURABAHAH (Studi Kasus Pada PT. BPRS Kota Mojokerto KCP Pandaan)

MALIA (TERAKREDITASI), 2019

There are so many people in this global era who need a loan to buy consumptive goods or purchase ... more There are so many people in this global era who need a loan to buy consumptive goods or purchase productive goods that will be used as working capital. By applying for financing in BPRS, Mojokerto City, Pandaan Branch Office, the community can encourage economic improvement and social welfare of the community and must be managed properly by the financial institution. The research method used for this study was interviews and literature studies. This type of research is a qualitative method with a descriptive approach, the data sources used are primary and secondary data. Primary data is obtained directly from sources where research activities take place, and secondary data is data obtained from books and other written documents. The results showed that the mechanism for financing proposals in the Murabahah contract must go through several stages, namely checking customer file files by Customer Service, submitting files from Customer Service to Marketing, BI Checking, marketing surve...

Research paper thumbnail of Pengaruh Dana Pihak Ketiga Dan Pembiayaan Terhadap Profitabilitas Bank Umum Syariah DI Indonesia Periode 2014-2018

MALIA (TERAKREDITASI), 2019

Islamic banks are Islamic financial institutions whose main activities are collecting funds from ... more Islamic banks are Islamic financial institutions whose main activities are collecting funds from the public or so-called third party funds and channeling them back to the public in the form of financing based on sharia principles with a certain margin so that Islamic banks can obtain profits or profits. The greater the third party funds raised and financing that is distributed, the greater the profit to be obtained. The purpose of this study is to determine whether third party funds and financing have a significant effect on the profitability of Islamic Commercial Banks in Indonesia for the 2014-2018 period. This type of research is a quantitative study using secondary data in the form of financial statements of several Sharia Commercial Banks in Indonesia and data analysis using multiple linear regression analysis methods. The results of this study indicate that partially Third Party Funds have no significant effect on the profitability of Sharia Commercial Banks in Indonesia with ...

Research paper thumbnail of ANALISIS MEKANISME PERHITUNGAN BAGI HASIL AKAD MUDHARABAH PADA PRODUK TABUNGAN TAAT iB DI BPRS DAYA ARTHA MENTARI KANTOR CABANG GEMPOL KABUPATEN PASURUAN

Jurnal Mu’allim

The banking industry is currently competing to provide convenience in meeting the needs of a grow... more The banking industry is currently competing to provide convenience in meeting the needs of a growing community. One of them is the community's need for lifestyle changes that are increasingly modern, which is one of the banking opportunities to help, namely through fundraising called Savings. BPRS Daya Artha Mentari KC Gempol as a pioneer of Islamic banking in Indonesia has also created products to help its customers obtain fundraising services with various types of programs, one of which is the iB TaaT Savings. In this study, using a descriptive method. The data collection method that the author uses is literature study, observation, recording, and interviews. Based on the research conducted by the author, the author can conclude that this study is entitled Analysis of the Mechanism of Calculation of Profit Sharing for Mudharabah Contracts on TaaT iB Savings Products at BPRS Daya Artha Mentari KC Gempol according to an Islamic Economics review. TaaT iB Savings is a savings prod...

Research paper thumbnail of Analisis Mekanisme Jual Beli Mata Uang (Al-Sharf) Menurut Fatwa DSN-MUI No. 28/MUI/III/2002

MALIA (TERAKREDITASI)

This study aims to determine the mechanism of buying and selling currency in sharia (Ash-Sharf) a... more This study aims to determine the mechanism of buying and selling currency in sharia (Ash-Sharf) according to the DSN-MUI fatwa and the Islamic Hedging mechanism on exchange rates that occur due to the risk of uncertainty in exchange rate movements. This type of research is descriptive qualitative research with a qualitative approach. The data collection method used is secondary data. Data analysis in this study was carried out through data reduction, data categorization, and data verification. The results of the study stated that the mechanism of buying and selling currencies using spot transactions was prohibited. Meanwhile, sharia hedging transactions on exchange rates based on real needs may be carried out on condition that they follow the provisions stipulated in the fatwa.

Research paper thumbnail of Strategi Pengembangan Potensi Desa Melalui Literasi Membangun Desa Wisata di Desa Plintahan Pandaan

Tourism development in an area brings benefits to the community both economically and socially. P... more Tourism development in an area brings benefits to the community both economically and socially. Pasuruan Regency has various tourism objects. One of them is the Coban Binangun waterfall in Plintahan Pandaan village, Pasuruan. The right strategy is needed to attract tourists to visit the Coban Binangun waterfall. This research is a qualitative descriptive study that examines the tourism potential development strategy of Coban Binangun Waterfall in Pasuruan Regency based on internal and external factors. The population in this study were visitors to the Coban Binangun waterfall by using SWOT analysis. The results showed that internal and external factors influenced tourist visits at the Coban Binangun Waterfall attraction, Pandaan Pasuruan. SWOT analysis is a planning and development strategy that can be applied to the Coban Binangun waterfall attraction Pandaan Pasuruan

Research paper thumbnail of Bank: Studi Komparatif Perlakuan Akuntansi Atas Sistem Bunga Dengan Sistem Bagi Hasil Terhadap Kredit Investasi

Perekonomian Indonesia tumbuh dengan pesat, berkembangnya pertumbuhan ekonomi tidak lepas dari le... more Perekonomian Indonesia tumbuh dengan pesat, berkembangnya pertumbuhan ekonomi tidak lepas dari lembaga keuangan yang bermunculan menawarkan berbagai macam jasa, baik jasa dalam lalu lintas pembayaran, pengiriman uang, maupun jasa investasi. Lembaga keuangan tersebut salah satunya adalah lembaga keuangan bank. Bank sendiri macamnya ada bank konvensional, bank syariah, dan unit usaha syariah serta BPR.Untuk memperoleh pendapatan, perbankan selain menggunakan sistem bunga terdapat juga sistem bagi hasil (profit sharing). Penelitian ini bertujuan untukmengetahui perlakuan akuntansi atas sistem bunga terhadap kredit investasi dengan perlakuan akuntansi sistem bagi hasil terhadap kredit investasi.Untuk mendapatkan data dalam penelitian ini menggunakan teknik preliminary research, library research dan field research. Data yang telah terkumpul akan di analisis, dievaluasi dan perbandingan perlakuan akuntansi atas bunga dengan sistem bagi hasil terhadap kredit investasi pada kedua bankterseb...

Research paper thumbnail of Analisis Pembiayaan Musyarakah Terhadap Profitabilitas (Roa) Bank Umum Syariah

MALIA (TERAKREDITASI), 2020

This study aims to determine the effect of musyarakah financing on the profitability of sharia co... more This study aims to determine the effect of musyarakah financing on the profitability of sharia commercial banks in Indonesia using the Return on Assets (ROA) ratio. The research methodology used is descriptive qualitative research. By analyzing the data, it tends to study literature. The results showed that the musharaka financing had a significant negative effect on the profitability (ROA) of Islamic banks.

Research paper thumbnail of ANALISIS PERHITUNGAN DAN MEKANISME PENGAJUAN PEMBIAYAAN PADA AKAD MURABAHAH (Studi Kasus Pada PT. BPRS Kota Mojokerto KCP Pandaan)

MALIA (TERAKREDITASI), 2019

There are so many people in this global era who need a loan to buy consumptive goods or purchase ... more There are so many people in this global era who need a loan to buy consumptive goods or purchase productive goods that will be used as working capital. By applying for financing in BPRS, Mojokerto City, Pandaan Branch Office, the community can encourage economic improvement and social welfare of the community and must be managed properly by the financial institution. The research method used for this study was interviews and literature studies. This type of research is a qualitative method with a descriptive approach, the data sources used are primary and secondary data. Primary data is obtained directly from sources where research activities take place, and secondary data is data obtained from books and other written documents. The results showed that the mechanism for financing proposals in the Murabahah contract must go through several stages, namely checking customer file files by Customer Service, submitting files from Customer Service to Marketing, BI Checking, marketing surve...

Research paper thumbnail of Pengaruh Dana Pihak Ketiga Dan Pembiayaan Terhadap Profitabilitas Bank Umum Syariah DI Indonesia Periode 2014-2018

MALIA (TERAKREDITASI), 2019

Islamic banks are Islamic financial institutions whose main activities are collecting funds from ... more Islamic banks are Islamic financial institutions whose main activities are collecting funds from the public or so-called third party funds and channeling them back to the public in the form of financing based on sharia principles with a certain margin so that Islamic banks can obtain profits or profits. The greater the third party funds raised and financing that is distributed, the greater the profit to be obtained. The purpose of this study is to determine whether third party funds and financing have a significant effect on the profitability of Islamic Commercial Banks in Indonesia for the 2014-2018 period. This type of research is a quantitative study using secondary data in the form of financial statements of several Sharia Commercial Banks in Indonesia and data analysis using multiple linear regression analysis methods. The results of this study indicate that partially Third Party Funds have no significant effect on the profitability of Sharia Commercial Banks in Indonesia with ...