Menakar Kesyari’ahan Perilaku Konsumsi Karyawan Lembaga Keuangan Syariah: Studi Pada Karyawan BMT As’adiyah Sengkang
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perilaku, konsumsi, APC, MPC, BMT As’adiyah Sengkang
Abstract
Abstract: This study discusses about the consuming behavior of the employees of Islamic financial institutions, whether it is in accordance with the purpose of the Sharia or not. This problem needs to be studied because if their consumption level is in accordance with the purpose ofSharia, it will determine the balance of activity in BMT As’adiyah Sengkang, wherethe implications can improve the performance of the employees so that their productivities will be increased and they automatically increase the assets of BMT As’adiyah Sengkangas well. The results of this study indicate that the APC of the employees of BMT A’sadiyah Sengkangon physical and spritual consumption is greater thantheir MPC on those for all levels of their income, the APC and MPC of the employees of BMT A’sadiyah Sengkang on the zakat payment are the samefor all levels of their income, namely constant, and the E1 of the employees of BMT A’sadiyah Sengkangon the principal consumptions is smaller than their E2 on that for all levels of their earnings. This indicates that the employees’ behavior of BMT As’adiyah Sengkang is in accordance with the purpose of Sharia.
Abstrak: Penelitian ini membahas tentang perilaku konsumsi karyawan lembaga keuangan syariah, apakah sudah sesuai dengan tujuan syariat atau belum. Masalah ini perlu dikaji karena jika tingkat konsumsi mereka sesuai dengan tujuan syariat Islam maka hal ini dapat menentukan keseimbangan aktivitas di BMT As’adiyah Sengkang, dimana implikasinya dapat meningkatkan kinerja karyawanya sehingga produktivitasnya akan meningkat pula, dan secara otomatis pula aset BMT As’adiyah Sengkang akan bertambah. Hasil penelitian ini menunjukan bahwa tingkat APC > MPC pada konsumsi fisik dan konsumsi ibadah lain karyawan BMT A’sadiyah Sengkang untuk semua tingkat pendapatan mereka, tingkat APC dan MPC pada pembayaran zakat karyawan BMT A’sadiyah Sengkang untuk semua tingkat pendapatan mereka adalah sama, yakni konstan, dan tingkat E1 < E2 pada konsumsi pokok karyawan BMT A’sadiyah Sengkang untuk semua tingkat pendapatan mereka. Hal ini menandakan bahwa prilaku konsumsi karyawan BMT As’adiyah Sengkang sudah sesuai dengan tujuan syariat Islam.
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References
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Wawancara dengan Jafar Aras, Manajer BMT A’sadiyah Sengkang, hari Ahad tanggal 01 Oktober 2017 jam 10.30-12.00 WITA di BMT A’sadiyah Sengkang.
Authors
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