Vol. 3 No. 2 (2020): Al-Musthofa: Journal of Sharia Economics

The Murābahah contract is a contract that is in great demand by Sharia Financial Institutions due to safety factors and minimal risk compared to the Mudhārabah and Musyārakah contracts. However, in its implementation, there is no problematic Murābahah financing, such as Murābahah financing at PT. BPRS MAM (Mitra Amal Mulia) Kulon Progo Branch 2018-2020. This study aims to look at the factors that help problematic Murābahah financing and see from the form / method of solving problematic Murābahah financing at PT. BPRS MAM Kulon Progo Branch. The method used is a qualitative method, namely conducting data interview techniques through interviews, observation and documentation. The results showed that the factors causing the problem were triggered by two factors, namely internal factors and external factors. Meanwhile, in the settlement of problematic Murābahah financing at PT. BPRS MAM Kulon Progo Branch uses several stages of settlement with the last alternative which is achieved through the Religious Court (PA) by executing collateral owned by customers.

The purpose of this study is to determine the role of digital-based productive waqf in the Islamic financial institution as an instrument for developing Islamic monetary policy. This research uses library research method. The research data were collected through text reading and then analyzed using descriptive analytical methods. The result of this research is that the Islamic monetary policy in Indonesia can be developed through digital-based productive waqf instruments developed by Islamic financial institution in the form of programs managed by waqf management institutions in Indonesia, so that prosperity is achieved in life and is able to increase the development of the Islamic economy.

The purpose of this study was to determine the effect of financial performance on stock prices in pharmaceutical companies listed on the Sharia Securities List (DES) for 3 years. One way to analyze the value of stock prices is using financial ratio analysis. The ratios used in this research are Current Ratio, Debt to Equity Ratio, Return On Equity, Total Asset Turnover and Price Earning Ratio. The sampling technique used purposive sampling technique which consisted of 5 companies. The data source uses the company's financial statements and stock prices from the official website of the Indonesia Stock Exchange (IDX) or the Indonesia Stock Exchange (IDX). The research approach uses quantitative with descriptive methods. Data analysis used panel data regression analysis with data analysis tools Eviews 9. The results of the simultaneous analysis showed that financial performance had a positive effect on stock prices of pharmaceutical companies. The value of the coefficient of determination in this study is 0.871935 which explains the variation of the dependent variable by 87.19% while 12.81% is explained by other independent variables outside the model.

Abstract: The people's consumption behavior continues to experience a shift in line with the increase in income and technological developments that penetrate the financial sector. The availability of convenience through fintech platforms makes the public, especially the millennial generation, moved to change in all fields to meet needs.

In meeting needs, inherent characteristics such as short-term thinking, impulsivity and adaptive technology. These three characteristics of buying behavior make the millennial generation more comfortable with the presence of OVO and Go-Pay. OVO and Go-Pay also offer various promos that encourage impulsive buying to get out of hand. In this case, the millennial generation is entering the planned impulse buying type on the use of OVO and Go-Pay because the frequent consumption of the millennial generation is due to the presence of promos/discounts.

According to al-Shāṭibī, benefit can be realized by meeting the needs of ḍarūriyāt, hājiyat, and taḥsīniyāt, from which ḍarūriyāt's needs are ensured, welfare is formed before reaching other needs. Because the fulfillment of ḍarūriyāt can prevent oneself from being damaged, that through ḍarūriyāt one understands how to guard al-kulliyāt al-khamsah. However, the facts are inversely proportional to what they should be.