Danadyaksa: Post Modern Economy Journal

The Role of Bank Muamalat Indonesia KCP Kepanjen in Determining Customer Decisions Using Hajj Program Financing Products (Prohajj) with the Qardh Wakalah Bil Ujrah Agreement

Ana Nurwakhidah — 2024-04-28

In addition to learning more about the hajj program financing products offered by Bank Muamalat Indonesia KCP Kepanjen, the purpose of this service activity is to ascertain how the Qardh Wakalah bil Ujrah contract is applied to those products. where Muslims make up the majority of the Indonesian population. This is evident from the enthusiasm of Indonesian Muslims in response to the KMA No. 189 of 2023 decree concerning Indonesian Hajj Quotas for 1444 H/2023 M totaling 221,000, consisting of 203,320 regular haj Quotas and 17,680 special Hajj Quotas, which was signed by the Minister of Religion Yaqut Cholil Qoumas. Then one of Islamic banking's functions is to offer Hajj program services that can facilitate Muslims' ability to execute the pilgrimage. This writing uses a descriptive qualitative method, the author describes the object of research by recording, observing, and interviewing all matters related to this research and aligning it with primary and secondary data sources. The respondent from this writing is the Relationship Manager of Bank Muamalat Indonesia KCP Kepanjen. observation directly or indirectly on the object under study as well as data collection with related documents. The results of this study indicate that the Hajj financing product at Bank Muamalat Indonesia in KCP Kepanjen uses the Qardh Wakalah Bil Ujrah contract, namely funds lent by the bank to prospective hajj customers.

Navigating the Tides of Change: A Comprehensive Analysis of Employment and Unemployment Dynamics in Indonesia

Nico Pranata Mulya Mulya — 2024-10-07

Labor dynamics play a pivotal role in the economic growth of a country. This study aims to fill the research gap by conducting a descriptive analysis comparing the working population and unemployment in Indonesia from 2011 to 2020. Data are sourced from BPS statistical records, including the number of working individuals, unemployed persons, and variables such as wage rates, economic growth, employment opportunities, and education. The study employs descriptive statistical techniques to examine labor trends over the past decade. Key changes in unemployment and employment rates are explored in relation to the global economic crisis, technological advancements, and the COVID-19 pandemic. Findings show an upward trend in employment, while unemployment experienced significant fluctuations, especially during the pandemic, with precise figures illustrating these patterns. The study highlights education, structural transformation, and economic growth as crucial determinants of labor market dynamics, providing more targeted policy implications. These implications offer actionable insights to enhance inclusive growth, improve job quality, and strengthen labor market resilience. The study provides a solid foundation for adaptive and responsive policy formulation aimed at creating a more sustainable employment environment.

Analysis of Microfinancing in the Development of MSME Customers

Yolanda Chintya Bella — 2024-10-08

The development of micro, small, and medium enterprises (MSMEs) is crucial for contributing to national economic growth. By fostering business development, MSMEs play a significant role in reducing unemployment and increasing employment and business opportunities. In this context, Bank Syariah Indonesia (BSI) serves as an institution that prioritizes community service and economic support. One of the essential functions of Sharia microfinancing is to provide capital to customers, enabling them to enhance existing businesses or establish new ventures. This research aims to investigate the impact of microfinancing on customer development at BSI, specifically examining aspects such as financial stability and business growth. This study employs a qualitative descriptive methodology, utilizing field research that gathers primary and secondary data. Data collection techniques include interviews and document analysis. Findings from this research will provide valuable insights into the effectiveness of Sharia microfinancing in supporting MSMEs and enhancing community economic development.

Development of the Hajj Savings Mechanism with the Wadi'ah Agreement on BSI Surabaya Basuki Rahmat

Fitriyatus Zinah — 2024-10-08

This study proposes and analyzes the development of a Hajj savings mechanism based on the principles of the Wadi'ah Agreement. Using a comprehensive literature review and comparative analysis, the study outlines specific implementation steps to enhance the effectiveness and sustainability of the Hajj savings program. Existing mechanisms for Hajj savings face challenges, such as a lack of transparency in profit distribution and sustainability issues. This research introduces a novel framework utilizing the principles of the Wadi'ah Agreement to address these challenges, aiming to improve fairness and efficiency in managing Hajj savings funds. The study's contributions highlight a distinct departure from conventional systems, providing a practical roadmap for integrating the new framework into existing financial structures.