JYRS: Journal of Youth Research and Studies

Implementasi Akad Murabahah pada Pembiayaan Mikro (Studi Bank Syariah Indonesia Kantor Cabang Pangkalpinang)

2024-11-25T07:52:57+07:00

This research raises the problem of murabahah using wakalah contracts in murabahah transactions because side streaming often occurs by customers after disbursement of murabahah financing. This research aims to analyze how murabahah contracts are implemented and analyze how murabahah contracts are monitored in micro financing. Study of Bank Syariah Indonesia Pangkalpinang Branch Office. BSI applies murabahah financing products which are applied to micro financing which aims to enable members to own goods or business equipment to support business activities. The type of research used is qualitative descriptive research using primary data and secondary data. Data collection techniques through observation, interviews, documentation. Respondents were bank leaders, micro marketing staff and operational staff. As for the data analysis method using the Miles and Huberman approach, namely data reduction, data presentation, and drawing conclusions. The results of this research show that in theory the murabahah bil wakalah contract carried out by BSI KC Pangkalpinang in financing micro businesses is in accordance with the DSN-MUI fatwa. The murabahah process with wakalah is to carry out a wakalah contract first. After that, enter into a murabahah contract. Murabahah which is applied to micro financing using murabahah bil wakalah often causes side streaming by customers when the bank is disbursed with a wakalah agreement.

Tinjauan Yuridis Larangan Praktik Lesbian Gay Biseksual Transgender And Queer (LGBTQ) di Indonesia Berdasarkan Pasal 28b Ayat 1 Undang-Undang Dasar 1945

2024-11-25T08:03:03+07:00

The prohibition of LGBTQ practices in Indonesia based on article 28B paragraph 1 of the 1945 Constitution is a controversial issue. The article reads, "Everyone has the right to form a family and continue their offspring through legal marriage." The interpretation of this article gives rise to differences of opinion, between those who support and those who reject the prohibition. Supporters of the ban argue that LGBTQ practices conflict with Indonesia's religious and cultural values. They argued that marriage should only be carried out by husband and wife pairs consisting of a man and a woman. Meanwhile, those who oppose the ban argue that LGBTQ practices are human rights that must be respected. They argue that everyone has the right to freely determine their sexual orientation and gender identity. Legal provisions regarding the prohibition of LGBTQ practices in Indonesia are still unclear. However, several regional regulations have prohibited this practice, such as in South Tangerang City, Depok City and Bogor Regency. Ultimately, decisions regarding the ban on LGBTQ practices in Indonesia are the authority of the government. The government needs to consider various aspects, including legal, religious, cultural and human rights aspects, in making this decision.

Pengaruh Pengetahuan Bisnis dan Lingkungan Keluarga Terhadap Minat Berwirausaha Pada Mahasiswa Prodi Perbankan Syariah IAIN Syaikh Abdurrahman Siddik Bangka Belitung

2024-12-11T10:44:41+07:00

This research explains the problem of how business knowledge and family environment influence students' interest in entrepreneurship. Entrepreneurship is an important factor in the economic growth of a country. Entrepreneurs play a role in creating jobs, increasing competitiveness and encouraging innovation. This research method uses a type of quantitative research that uses primary data with a sample of 77 respondents. The data collection technique used was a questionnaire. The data analysis technique used is the classical assumption test, multiple linear regression analysis test, hypothesis testing and the research instrument uses SPSS version 22. The population in this research includes students from the 2020-2022 Sharia Banking study program at the Faculty of Sharia and Islamic Economics, IAIN Syaik Abdurrahman Siddik Bangka Belitung, totaling 326 students. Meanwhile, this research sample had 77 respondents. The results of this research show that there is a significant influence based on the results of the t test with significant business knowledge, the t value is 18,876, while the t table with degrees of freedom of 80 at alpha 0.05 is 1,664, so that H1 is accepted, H0 is rejected or if you look at the significance it is 0.000 < 0.05. Meanwhile, the Fcount value was 280.542. Thus Fcount (280.542) > Ftable 3.12, so H0 is rejected and Ha is accepted or if you see a significant value of 0.000 < 0.05. So it can be concluded that the variables Business Knowledge and Family Environment simultaneously have a positive and significant effect on the interest in entrepreneurship of Islamic banking study program students at IAIN Syaikh Abdurrahman Siddik Bangka Belitung.