Small and Medium-Sized Enterprises (SMEs), Islamic Bank, and Religiosity

Harahap, Isnaini; Nuruddin, Amiur; Batubara, Chuzaimah; Syahnan, Mhd.; Sukiati, Sukiati

doi:10.4108/eai.8-10-2018.2288721

Cited by 4 publications

(4 citation statements)

References 6 publications

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“…Basically, there is no guarantee for profit-sharing contracts, such as mudarabah and musharakah, except as a guarantee against the possibility of moral hazard by the contract partners (Rahayu & Hasbi, 2022). The fatwa of Dewan Syariah Nasional Majelis Ulama Indonesia on musharakah emphasizes that the guarantee in both contracts is because it is a trust contract, but to anticipate deviations, Islamic financial institution can withdraw the guarantee (Harahap et al, 2019;Janah & Fanani, 2020;D. M. Lestari, 2021;Sugiarto et al, 2022).…”

Section: Musharakah Theorymentioning

confidence: 99%

An Analysis of Musyarakah Agreement Due to the Bank's Negligence in Implementing Prudential Banking Principle: The Case of Jurisprudence at the Supreme Court Cassation Verdict Number 624 K/Ag/2017

Armaini,

Said

2023

J. Islam. Econ. Lariba

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This study analyzed the Supreme Court Cassation Verdict Number 624 K/Ag/2017, regarding the musyarakah agreement between the customer and PT. Bank Sumut Padangsidimpuan Branch, in which the latter had disbursed financing to the customer before the issuance of a life insurance policy letter. The focus of the research was to investigate the settlement of the musharakah agreement due to the negligence of the bank which resulted in the customer’s obligation to pay the remaining debt based on the Supreme Court Cassation Verdict Number 624 K/Ag/2017. The study used a qualitative research approach with a case approach, statute approach, and conceptual approach. This study concludes that based on the Compilation of Sharia Economic Law (Kompilasi Hukum Ekonomi Syariah or KHES) Articles 209-210 if one of the parties in the agreement dies, the contract ends, and the loss caused by the death of the mudharib is borne by the owner of the capital. Therefore, even though in a musyarakah contract there is a mix of assets of both customers and Islamic banks. However, because the bank was negligent in their prudential banking principles practice and this action was against the law, then in regards to the legal protection theory, the losses experienced from the musyarakah contract should have been borne by the bank as a form of punishment for the unlawful act due to negligence in implementing the prudential banking principle.

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Section: Musharakah Theorymentioning

confidence: 99%

An Analysis of Musyarakah Agreement Due to the Bank's Negligence in Implementing Prudential Banking Principle: The Case of Jurisprudence at the Supreme Court Cassation Verdict Number 624 K/Ag/2017

Armaini,

Said

2023

J. Islam. Econ. Lariba

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“…Sesuai rilis oleh Bank Indonesia pada tahun 2019 di provinsi Sumatra Utara jumlah UMKM berkisar 2.800.000 unit usaha atau sebesar 4,75% dari total UMKM secara nasional, Dari 2.800.000 unit UMKM ini berkisar 33.678 unit ada di Kabupaten Batu Bara(B. P. S.-SUMUT, 2020). UMKM menjadi pilihan yang paling mudah untuk dimasuki sebab tidak membutuhkan modal uang yang besar namun cukup dengan memanfaatkan kemampuan yang dimiliki dan memanfaatkan matrial yang dimiliki disekitar tempat tinggal (Harahap et al, 2020). Mudahnya UMKM dimasuki sebaliknya mudah juga orang meninggalkan atau keluar dari sektor UMKM (Sarwoto, 2018).…”

Section: Iunclassified

Pengaruh Persepsi Terhadap Keputusan Pembiayaan Melalui Kesadaran Merek

Sarwoto¹,

Damanik²

2022

jesya

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Penelitian dilakukan pada 120 responden sebagai nasabah UMKM PT Bank Syariah Indonesia. Responden adalah nasabah yang memiliki pembiayaan pada PT BSI di cabang kabupaten Batu Bara. Produk pembiayaan dimaksud berupa pembiayaan mikro dengan kolektibilitas lancar. Sampling dengan metode accidental sampling. Model penelitian dengan SEM, pengolahan data dengan soft ware smart PLS 3.0. Hasil penelitian menjawab tujuan penelitian yaitu persepsi berpengaruh terhadap keputusan pembiayaan, kesadaran merek berpengaruh terhadap keputusan pembiayaan dan kesadaran merek tidak menjadi variabel moderating dalam pengaruh persepsi kualitas terhadap keputusan pembiayaan.

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“…In the sustainability and growth of the economies especially for emerging economies, the input of small and medium enterprises cannot be undervalued (Agyei, 2018) as SMEs' potential are helping to reduce poverty and to contribute in societal welfare (Harahap, Nuruddin, Batubara, Syahnan, & Sukiati, 2019). Therefore, the growth of SMEs is a basic drive to the managers and owners and this growth is mostly depends on the available resources, literacy towards the finance, culture values of the owners (Nunoo and Andoh, 2012).…”

Section: Introductionmentioning

confidence: 99%

Moderating Effect of Demographics on the Relationship between Religiosity of Owner/ Manager of SME on Growth of SMEs

2024

JDSS

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The objective of the study is to pinpoint the moderating role of demographic variables of owner/ manager in relationship between religiosity and growth of SMEs. The hypotheses have been established on the basis of previous theories and review of related literature. The data has been collected from 456 owners/ managers of SMEs by using the adopted questionnaires with 5-point likert scale. In analysis, the descriptive statistics and regression analysis has been carried out. The results of the study are indicating that demographic variables enhance the relationship between religiosity and growth of SMEs. The results of the study are helpful to understand that how religiosity and age of managers and owners of SMEs are essential to business growth. The results recommends to implement the religious teachings at school and college level.

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Small and Medium-Sized Enterprises (SMEs), Islamic Bank, and Religiosity

Cited by 4 publications

References 6 publications

An Analysis of Musyarakah Agreement Due to the Bank's Negligence in Implementing Prudential Banking Principle: The Case of Jurisprudence at the Supreme Court Cassation Verdict Number 624 K/Ag/2017

An Analysis of Musyarakah Agreement Due to the Bank's Negligence in Implementing Prudential Banking Principle: The Case of Jurisprudence at the Supreme Court Cassation Verdict Number 624 K/Ag/2017

Pengaruh Persepsi Terhadap Keputusan Pembiayaan Melalui Kesadaran Merek

Moderating Effect of Demographics on the Relationship between Religiosity of Owner/ Manager of SME on Growth of SMEs

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