ANALISIS FATWA DSN MUI NO: 04/DSN-MUI/IV/2000 TERHADAP PENERAPAN AKAD MURABAHAH PADA PRODUK CICIL EMAS PADA BANK SYARIAH MANDIRI KCP. CIKUPA TANGERANG-BANTEN

This study concludes that the financing mechanism for the BSM Installment Gold product at BSM KCP. Cikupa consists of several stages starting from the requirements for submission, valuation of collateral, termination of financing, implementation of contracts and financing of financing. In the financing process for the financing of the Gold Installment Product, BSM KCP. Cikupa is in accordance with the guidelines of the DSN-MUI fatwa No: 04/DSN-MUI/IV/2000 concerning Murabahah, but there are some that are not in accordance with the first provisions of the ninth point, where at the time of the contract agreement process, gold was still in the ordering stage to PT. Antam and not owned by the bank. The type of research used is field research (field research). The data sources of this research consist of primary and secondary sources obtained through interviews, documentation, and other scientific literature. The data that has been collected, then analyzed using descriptive analysis method.

PENENTUAN NASABAH PENERIMA REWARD PRODUK GOLD DENGAN METODE SIMPLE ADDITIVE WEIGHTING (SAW) STUDI KASUS : PT. PINJAM INDONESIA

As an appreciation to their customer, PT Pinjam Indonesia has a Gold product. Gold is a product that allows customer to get 10% discount of total bill every 6 months, and is given to two customers. Until now, PT Pinjam Indonesia has difficulties in deciding which customer from Online mortgage system deserves to be rewarded with the Gold product, this problem occurs because of the many numbers of customer in the system. Therefore, Decision Support System is needed to help speed up and make the deciding process easier. Decision Support System decide the highest alternative value that deserves to receive the Gold product using the Simple Additive Weighting (SAW) method wtih prescribedcriterias. The basic concept of Simple Additive Weighting (SAW) method is to find the weighted additive from performance rating of every alternative’s attributes. SAW method needs a normalization process of the decision matrix to a scale that can be compared with every rated alternatives. A calculation process is applied to all the criterias to get the result of which alternative is best to receive the Gold product. This method could help the decision making process to be more objective.

ANALISIS POTENSI DAYA SAING PEMASARAN PRODUK UNGGULAN PISANG MAS KIRANA

The horticultural development program in East Java aimed at increasing the production and quality of competitive superior products, developing products to support food diversification, promoting regional and national economic development, opening up to work employment opportunities, increasing foreign exchange income and farmers' and welfare. Banana is one of the leading horticultural products in Indonesia developed intensively to support the central government program in agriculture in sustainable development. Lumajang regency, one of the areas of banana-producing centers, produce various types of bananas of good quality. The research objectives are: to analyze the competitiveness potential of banana mas kirana product either competitively or comparatively and to know marketing strategy (4P) banana mas kirana superior product. Research methods is descriptive with qualitative approach. Technique of collecting data using interview, observation and documentation, sampling technique using purposive sampling, where informant research determined based on criterion in accordance with have been determined. Data analysis used stages consisting of: data collection, data reduction, data presentation, verification and conclusion. The result of the research shows that the competitiveness potential of kirana gold product is competitive or comparative is big enough, but there are still some things that need to be improved especially in terms of hatchery and processing that is still not standard among farmers. While the marketing strategy of 4P has been applied well, so that the superior product of banana mas kirana is favored and can be accepted by the consumers both from local and national, and become one of superior product from Lumajang Regency