Penyuluhan Etika Hutang Piutang Dalam Islam Di Dusun Bendosari Kabupaten Sukoharjo

Alam, Azhar; Sari, Dewi Permata; Habibi, Boby

doi:10.32696/ajpkm.v4i1.324

Cited by 3 publications

(3 citation statements)

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“…This will allow lending to the public to provide optimal income for the Islamic banking industry. However, Islamic banks must also improve their Islamic financial literacy, especially in relation to the concept of debt, particularly the principles that must be understood by customers in debt, which include: 1. non-indebtedness except in emergencies (Alam et al, 2020;Prasetiyo, 2012); 2. intention to pay off one's debt (Yunus & Muslimin, 2020); 3. borrowing as needed (Alam et al, 2020;Prasetiyo, 2012); 4. obligation to pay debts on time (Yunus & Muslimin, 2020); 5. obligation to fulfill one's promises and being honest and kind to one's lender (Beekun & Badawi, 2005); 6. informing one's lender as soon as possible if one will not yet be able to pay his debt (Rammal & Zurbruegg, 2007); 7. finding a way to pay one's debt if one encounters problems in doing so (Rammal & Zurbruegg, 2007); 8. thanking one's lender and praying for him for his kindness (Afkar, 2017).…”

Section: Discussionmentioning

confidence: 99%

Comparative Analysis of the Determinant Factors of Return on Assets between Islamic Commercial Banks (BUS) and Islamic Business Units (UUS)

Nugroho

Mastur

Ulfa

et al. 2021

JECO

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This study aimed to analyze and compare the factors that affect the return on assets (ROA) of Islamic commercial banks (BUS) and Islamic business units (UUS). This study’s independent variables are NPF, FDR, and MSMEs. The study used the quantitative method, with multiple regression approaches in analyzing the research data. The results of this study show that the BUS NPF has a negative and significant impact on the BUS ROA; the BUS FDR has a positive and insignificant impact on the BUS ROA; the BUS MSMEs portion of the BUS loan distribution has a negative and insignificant impact on the BUS ROA; the UUS NPF has a negative and significant impact on the UUS ROA; the UUS FDR has a positive and significant impact on the UUS ROA; and the MSMEs’ portion of the UUS loan distribution has a positive and significant impact on the UUS ROA.Keywords: BUS, UUS, Return on Asset, Non-Performing Financie, Financing to Deposit Ratio, MSME financing Analisis Perbandingan Determinan Faktor Return on Asset antara Bank Umum Syariah (BUS) dengan Unit Usaha Syariah (UUS)Abstrak: Penelitian ini bertujuan untuk menganalisa perbandingan variabel-variabel yang mempengaruhi return on asset pada Bank Umum Syariah (BUS) dengan Unit Usaha Syariah (UUS). Adapun variable-variabel bebas yang digunakan pada penelitian ini adalah non performing financing, financing to deposit ratio dan porsi penyaluran pinjaman usaha mikro, kecil dan menengah (UMKM). Metode yang digunakan adalah kuantitatif dengan pendekatan regresi berganda dalam melakukan analisa penelitian ini. Hasil dari penelitian ini diketahui bahwa NPF BUS berdampak negatif dan signifikan terhadap ROA BUS; FDR BUS berdampak postif dan tidak signifikan terhadap ROA BUS; porsi penyaluran pinjaman UMKM BUS berdampak negatif dan tidak signifikan terhadap ROA BUS; NPF UUS berdampak negatif dan signifikan terhadap ROA UUS; FDR UUS berdampak positif dan signifikan terhadap ROA UUS; Porsi penyaluran pinjaman UMKM UUS berdampak positif dan signifikan terhadap ROA UUS.Kata kunci: BUS, UUS, ROA, NPF, FDR, Pembiayaan UMKM

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Section: Discussionmentioning

confidence: 99%

Comparative Analysis of the Determinant Factors of Return on Assets between Islamic Commercial Banks (BUS) and Islamic Business Units (UUS)

Nugroho

Mastur

Ulfa

et al. 2021

JECO

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“…The practice of rent-seeking and plecit banks has taken preventive steps towards its prevention by Islamic financial institutions such as BMT. As research conducted by (Chairunnisa Marlina, 2020), (Mokodenseho, 2022), (Romadoni, 2020), (Mufarridah, 2020), (Safira, 2020) , (Ida, 2021), (Alam, Dewi Permata Sari, 2020). The diversity factor of economic problems is also one of the reasons for the widespread practice of rent-seeking and plecit banks in the community, such as research conducted by (Ginda, 2020), (Suhardi, 2019), (Siitepu, 2020), (Suhardi, 2019), (Siitepu, 2020).…”

Section: R Esultsmentioning

confidence: 99%

Determinants of Community Decisions To Lend Money To Loaners

Sungkawaningrum

Hartono²,

Holle³

et al. 2022

J. Professional Business Review

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Purpose: To meet the needs of the public, the government has provided an official financial institution, which is subject to a certain series of administrations with all the calculations. The problem is that not all community members understand access to finance at these financial institutions. There are Islamic banking, BMT, and Sharia KSPPS, but in borrowing money they choose moneylenders. This problem is influenced by the ease of borrowing money from moneylenders, which are more flexible and the method of payment can be adjusted according to a special agreement between the customer and the moneylender. Disbursement of funds that can be done at any time according to the time needed, without being bound by conditions that are considered complicated by the customer. As a form of compensation, the interest charged by moneylenders is high and burdensome for the borrower. The risk of high-interest rates is often not taken into account by the borrower. Design/Methodology/Approach: The method for developing public financial literacy is what the moneylender's practice as the object of observation. To be realized as an effort for educational methods is to conduct an analysis of moneylenders in the community and explore how people depend on moneylenders, evaluate financial behavior in the community, deconstruct financial behavior and re-conceptualize public financial behavior. Findings: Socialization and acceleration of the marketing of financial products from the BMT, or official government financial institutions need to be carried out to prevent the level of community dependence on moneylenders, including by expanding financial literacy in the community, establishing management education methods, and implementing finance that is more inclusive in the community. Research, Practical & Social Implications: The necessities of life for each individual in the community will certainly not be the same, to be able to fulfill the purpose of these needs it is financed by the availability of funds or financial means. There are members of the community who are relatively able to meet their financing needs, but not a few of the community have not met their needs. Originality/Value: This study seeks to help the government and society in Indonesia to have a good education in terms of financial literacy, people need information and knowledge that currently in Indonesia there are many formal and legal financial institutions to help financial problems faced by people in Indonesia. Indonesian people are no longer just dependent on moneylenders or illegal financial institutions, which will instead trap them into new financial problems.

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“…In terms of records, the debt witness changed accordingly. The debt contract is ta'awun (helping each other) [2]. Many people will be in debt as a result of the ease with which they can go into debt, which is due to a lack of familiarity with technology or the debtor's inaccuracy in the debt process [3].…”

Section: Introductionmentioning

confidence: 99%

Ahkam Al Munir Tafsir of Online Debt

Sya’bannurrahman¹,

Nirwana²,

Dahliana³

et al. 2022

Proceedings of the International Conference on Islamic and Muhammadiyah Studies (ICIMS 2022)

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Debt innovates by employing technology that allows it to be conducted online. As a result, the debt procedure switches from debt recording to debt witnesses. The Quran's discussion of internet debt, particularly Surah Al-Baqarah: Verse 282, is the most commonly studied verse in muamalah studies. To address the issue of online debt, the author employed a literature review method combined with a contextual approach based on Surah Al-Baqarah verse 282. The findings showed that the internet debt was classified as a valid transaction in Al Munir's commentary of Ahkam if the debt testimony is in accordance with Al-Baqarah verse 282.

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Penyuluhan Etika Hutang Piutang Dalam Islam Di Dusun Bendosari Kabupaten Sukoharjo

Cited by 3 publications

References 0 publications

Comparative Analysis of the Determinant Factors of Return on Assets between Islamic Commercial Banks (BUS) and Islamic Business Units (UUS)

Comparative Analysis of the Determinant Factors of Return on Assets between Islamic Commercial Banks (BUS) and Islamic Business Units (UUS)

Determinants of Community Decisions To Lend Money To Loaners

Ahkam Al Munir Tafsir of Online Debt

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