Bank Syariah memiliki fungsi menghimpun dana dari masyarakat dalam bentuk titipan dan investasi dari pihak pemilik dana. Strategi baru telah dikembangkan dan diperkenalkan kepada industri perbankan syariah. Sebagai bentuk responden dari kebutuhan masyarakat tersebut, maka Bank Syariah memberikan jasa pelayanan kepada nasabah dalam bentuk jasa pelayanan keuangan untuk mengalihkan transaksi non Syariah (konvensional) yang telah berjalan menjadi transaksi yang sesuai dengan Syariah dengan memberikan jasa pembiayaan produk cicil emas yang di dasarkan dengan landasan hukum pada Fatwa Dewan Syariah Nasional. Dalam penelitian ini penulis membahas Analisis Pembiayaan Murabahah pada Produk Cicil Emas ditinjau dari Penerapan Fatwa DSN MUI No: 77/DSN-MUI/V/2010. Sehingga diharapkan mampu mengetahui bagaimana konsep mekasime penerapan akad dalam melakukan pembiayaan produk cicil emas dan juga landasan Fatwa DSN MUI. Pada penelitian ini penulis menggunakan metode kualitatif. Adapun untuk mendapatkan data-data pegawai dan nasabah yang melakukan pembiayaan produk cicil emas, penulis melakukan 3 cara yaitu dengan menggunakan observasi, wawancara dan dokumentasi, data yang terhimpun kemudian dianalisis dengan menggunakan metode analisis deskriptif. Hasil penelitian ini menunjukan bahwa praktik pembiayaan murabahah pada produk cicil emas di Bank Syariah Mandiri Kantor Cabang Pembantu Ponorogo sudah sesuai dengan fatwa DSN MUI No: 77/DSN-MUI/V/2010 tentang jual beli emas secara tidak tunai. Faktanya dalam praktik cicil emas pada Bank Syariah Mandiri Kantor Cabang Pembantu Ponorogo harga emas tidak bertambah selama akad berlangsung meskipun ada perpanjangan waktu setelah jatuh tempo, emas dijadikan jaminan dengan akad rahn dan disimpan di Bank Syariah Mandiri Kantor Cabang Pembantu Ponorogo, emas yang dijadikan jaminan tidak berubah akad dan tidak berpindah kepemilikan dan tetap disimpan di brankas Bank Syariah Mandiri Kantor Cabang Pembantu Ponorogo.
This research aims at analyzing religiosity and halal labels toward purchasing decision's regular female students of University of Darussalam Gontor on a cosmetic product. The study uses quantitative methods with an explanatory approach. Then data analysis techniques using Structural Equation Modelling (SEM) is Partial Least Squares (PLS) with the help of Smart PLS version 3.2.9. to answer hypotheses. The first stage in the study was testing the validity of each variable question with its reliabilities. The second one verifying the combination between religiosity and halal labels toward purchase decisions on cosmetic products among regular female students of University of Darussalam Gontor. The results showed that halal labels influenced purchasing decisions by 68%, while the remaining 32% were influenced by another exogenous outside of the studied variables. The religiosity partially has a positive but insignificant effect on purchasing decisions. Whereas the halal labels partially have a positive and significant effect on purchasing decisions.
<p align="center"> </p><p align="center"><strong>Abstract</strong></p><p> This study aims to determine the effect of the perception of maslahah on compulsive buying behavior This research is a quantitative research by integrating the dimensions of maslahah perception into the Theory of Planned Behavior (TPB) model. TPB is an integrated model that consists of four predictors of behavior, namely attitudes, subjective norms, perceived behavioral control (PBC), and intentions to behave. Sampling using Purposive Sampling, that is 200 respondents. To measure the variables using the Continuous rate scale. While the data analysis technique used in this research is path analysis using Smart PLS 2.0 (Partial Least Square) software. The results of the study said that the maslahah perception construct had a significant effect on the attitude construct even though it was weak at 5.5%. Which means there are still about 94.5% of the attitude variables are influenced by other factors. Then the attitude construct has a significant effect on the compulsive buying behavior construct of 47.6%, which means that there are still around 52.4% of the variable Compulsive Buying Behavior which can be explained from other factors. While the construct of subjective norms and behavioral control has no effect on compulsive buying behavior. The reason for the rejection of these two hypotheses is thought to be because Muslim communities who have high subjective norms and behavioral control do not change their behavior in compulsive buying to be higher.</p><strong>Keywords:</strong> <em>Maslahah, Compulsive Buying, Theory of Planned Behaviour</em>
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