EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)

Faktor-Faktor Yang Mempengaruhi Keputusan Nasabah Menabung Di Bank Syariah

Ahmad Syukron Hamdani, Salim Rammatullah, Romatua Lubis, Lempang Hasibuan — Wed, 12 Jun 2024 11:01:22 +0000

The increasing quantity of sharia banking and the decreasing market share of sharia banking and Indonesia's population of more than 100 million people are a challenge in attracting customers' decisions to use sharia banking products. The aim of this research is to determine the influence of promotional mix, service quality, bank characteristics and physical objects of Islamic banks on customers' decisions to save at Islamic banks. The sample used by BRI Syariah KC Malang Soekarno Hatta bank customers was 75 respondents. The analytical method used is multiple linear regression. The aim is to determine the relationship between independent variables and dividend variables. The findings from this research show that there are three independent variables that have a significant effect on the dependent variable. Namely the promotional mix, bank characteristics and physical objects of Islamic banks. Furthermore, service quality has no significant effect. Based on the four variables used, the coefficient of determination is 68.3% and the remainder is influenced by variables not examined in this research.

Analisis Pengaruh NIM, CAR, NPF, Dan DER Terhadap Profitabilitas (ROA) Pada Bank Umum Syariah (BUS) Periode 2017-2022

Silvi Yanti, Suryani Suryani, Sulaeman Jajuli — Thu, 13 Jun 2024 10:34:09 +0000

The development of Islamic Commercial Banks is in line with the existing problems, in this observation it was found that there were several problems including 1. There were fluctuations in the value of Net Interest Margin from 2017-2022 at Islamic Commercial Banks. 2. There is a decrease in ROA in 2020 at Islamic Commercial Banks even though CAR has increased. 3. There was a decrease in ROA in 2020 at Islamic Commercial Banks while NPF decreased and there were ups and downs in the value of NPF for the 2017-2022 period. 4. DER which tends to be large from 2017-2021 can result in a decrease in ROA at Islamic Commercial Banks. The study aims to analyze the effect of NIM, CAR, NPF and DER on ROA at BUS for the period 2017-2022, with quantitative methods, 30 secondary data samples through BUS financial reports and time series and cross section (panel) regression analysis techniques that meet the requirements of several model tests, presented in the EViews 12 application. The results showed that NIM had an effect on ROA as evidenced by the results of the T test count greater than the T table (value 2.712288> 2.073873) with a significance value of 0.013 <0.05. Furthermore, CAR has an effect on ROA as evidenced by the results of the T test which is greater than the T table (value 4.432700>2.073873) with a significance value of 0.0003 <0.05. NPF also affects ROA as evidenced by the results of the T test which is greater than the T table (value 2.273027>2.073873) with a significance value of 0.0348 <0.05. On the other hand, DER has no effect on ROA as evidenced by the results of the T test which is smaller than the T table (value 0.643701>2.073873) with a significance value of 0.5275>0.05. In the F test together NIM, CAR, NPF and DER affect ROA by 53.46% with a probability value of 0.000780 <0.05.

Analisis Literasi Halal Bagi Pelaku Usaha di Kecamatan Modung Kabupaten Bangkalan

Marliyatul Halwa, Muhammad Ersya Faraby — Thu, 13 Jun 2024 11:48:07 +0000

In Islam, all aspects of life such as worship, culture, politics and economics have been regulated in the Al-Qur'an and Hadith. Including consuming food and drinks in Islam, halala is very important to pay attention to. Halal certification is the process of ensuring that products or services comply with Islamic halal standards. In Indonesia, the Food, Drug and Cosmetic Research Institute of the Indonesian Ulema Council (LPPOM MUI) is responsible for halal certification. However, there are still many MSME business actors who have not carried out halal certification for their products, bearing in mind that by October 17 2024, all products circulating in Indonesia must be halal certified. The aim of this research is to determine the understanding and knowledge of MSME business actors in Modung District, Bangkalan Regency. related to halal literacy. The research method used is qualitative with a descriptive analysis approach, which involves interviews with informants as primary and secondary data sources. The results of the discussion show that halal literacy in Modung District, Bangkalan Regency, is still very low. MSME business actors in Modung District, Bangkalan Regency have limited understanding of halal literacy. Factors such as lack of education, lack of information, and low awareness of the importance of halal certification are the causes of low halal literacy among business actors.

Pengaruh Persepsi Risiko, Motivasi Investasi, dan Modal Minimal Investasi terhadap Keputusan dalam Berinvestasi di Pasar Modal Syariah

Riska Atika Agustina — Thu, 13 Jun 2024 13:13:05 +0000

The sharia capital market is all activities in the capital market that apply sharia principles in economic transaction activities and are apart from things that are prohibited by Islam, such as usury, gambling, speculation and so on. Risk perception, investment motivation, and minimum investment capital are indicators that can influence someone in investing in the Islamic capital market. The author wants to reveal how much these indicators can influence investment decisions in the Islamic capital market. This research aims to analyze and prove the influence of risk perception, investment motivation, and minimum investment capital on decisions to invest in the Islamic capital market in the people of Tulungagung Regency. The methodology used is a quantitative approach with the sampling technique used is purposive sampling where sampling is based on certain considerations such as population characteristics or previously known characteristics. The sample used was the people of Tulungagung Regency, totaling 400 respondents. The data used in this research is primary data obtained using a questionnaire. The data analysis used in this research is validity test, reliability test, classical assumption test, multiple linear regression analysis, f test, t test, and coefficient of determination with the help of SPSS version 20. The results of this study show that partially risk perception has a level of significance 0.000 and tcount > ttable (11.153 > 1.966) meaning that risk perception has a significant positive effect on decisions to invest in the Islamic capital market in the people of Tulungagung Regency. Investment motivation has a significance level of 0.000 and tcount > ttable (10.629 > 1.966), meaning that investment motivation has a significant positive effect on decisions to invest in the Islamic capital market in the people of Tulungagung Regency. The minimum investment capital has a significance level of 0.000 and tcount > ttable (8.230 > 1.966), meaning that investment motivation has a significant positive effect on the decision to invest in the sharia capital market in the people of Tulungagung Regency. Meanwhile, it simultaneously has a significance level of 0.000 and fcount > ftable (136.343 > 4.459), meaning that together risk perception, investment motivation and minimum investment capital have a significant positive effect on the decision to invest in the sharia capital market among the people of Tulungagung Regency. Risk perception, investment motivation, and minimum investment capital influence investment decisions by 50.8% and 49.2% are influenced by other variables not examined in this research.

Pengaruh Religiusitas Dan Literasi Keuangan Syariah Mahasiswa Terhadap Minat Menjadi Nasabah Di Bank Syariah

Tarisya Ativya Lubis, Khairunnisa Khairunnisa — Thu, 13 Jun 2024 15:18:31 +0000

With a high level of religiosity, individuals can understand that saving in an Islamic bank is not only beneficial on an individual level but also contributes to the welfare of the Muslim community. Financial literacy, especially in the context of Shariah finance, significantly influences the tendency to conduct transactions or use products in Islamic banking. However, Shariah financial literacy among students is still considered less important, as they tend to prioritize personal consumption over long-term financial considerations. This study aims to explore the influence of religiosity and Shariah financial literacy on students' willingness to save funds in Islamic banks, providing detailed insights into the aspects affecting financial decision-making among students. The study employs a quantitative approach with a population of 190 students and uses 66 samples selected through random sampling. The study's findings indicate that religiosity partially and significantly affects customer interest, as evidenced by the religiosity t-value being greater than the t-table value (3.388 > 1.996). Similarly, Shariah financial literacy significantly impacts customer interest, with its t-value also exceeding the t-table value (8.386 > 1.996). The F-value is greater than the F-table value (109.894 > 2.76), with a significance level of 0.001, which is lower than 0.05, indicating that both religiosity and Shariah financial literacy together significantly impact customer interest, accounting for 77.7% of the influence, while the remaining 22.3% is influenced by other factors. These findings contribute to a better understanding of how religiosity and Shariah financial literacy influence students' interest in becoming customers of Islamic banks.

Analisis Strategi Pemulihan Citra Bank Syariah Indonesia Pasca Dugaan Serangan Siber

Bagus Restu Maulana, Nasrulloh Nasrulloh — Fri, 14 Jun 2024 09:13:01 +0000

Indications of a cyberattack on Bank Syariah Indonesia (BSI) on May 8, 2023, led to a crisis of trust and a negative image. This study examines BSI image recovery strategy following the cyberattack. The research was conducted at BSI Branch Office in Jombang using a descriptive qualitative methodology, involving employees and customers as subjects. This study examines the strategy employed to rebuild customer trust and restore the tarnished image. This study employed the situational crisis communication theory (SCCT) and William L. Benoit's image recovery theory as analytical frameworks to examine BSI communication response and subsequent image recovery strategy. The findings revealed that BSI implemented responsive communication and crisis management strategies aligned with SCCT, in addition to image recovery initiatives that aimed to enhance positive perceptions and diminish negative sentiments, in accordance with Benoit's image recovery theory. These measures include BCP implementation, a gift party program, security enhancements, and weekend banking services. BSI demonstrated a commitment to improving its image and rebuilding customer trust through effective communication strategies. However, improvements are necessary in security planning and communication during a crisis to address customer concerns more effectively.

Peran Ekonomi Digital dalam Pembangunan Ekonomi di Indonesia

Putri Shinta Dewi, Risdiana Himmati — Sat, 15 Jun 2024 04:44:39 +0000

The digital economy is an economy that uses digital technology as a key in the production, distribution and consumption of goods and services. This research aims to analyze and prove the influence of internet users, the number of e-commerce businesses, and the value of e-commerce transactions on per capita income in Indonesia. The methodology used is a quantitative approach with an associative type of research. The data collection technique in this research uses documentation techniques. This research uses a quantitative approach with an associative type of research. The data collection technique in this research uses documentation techniques. This technique searches for data, namely secondary data, through the official website of the Central Statistics Agency. The data analysis method in this research is to use multiple linear regression tests to evaluate the relationship between two or more independent variables and one dependent variable. The results of this research show that partially internet users have a significantly positive effect on per capita income in Indonesia. The number of e-commerce businesses has no and insignificant effect on per capita income in Indonesia. The value of e-commerce transactions has a significantly positive effect on per capita income in Indonesia. Meanwhile, together internet users, the number of e-commerce businesses, and the value of e-commerce transactions have a significant positive effect on per capita income in Indonesia. Internet users, the number of e-commerce businesses, and the value of e-commerce transactions influence per capita income in Indonesia by 95.1% and 4.9% is influenced by other variables not examined in this research.

Analisis Perbandingan Pendapatan Antara Penjualan Online Dan Offline Di Toko Uus Hasanah Hijab

Sil Silatul Widadah, Abd. Aziz, Saifuddin Syuhri — Thu, 20 Jun 2024 10:04:18 +0000

These technological advancements have led to dramatic changes in buying and selling habits. Promoting goods and services using online channels, such as social media and websites. This study aims to determine the comparison of online and offline sales revenue, and to determine the application of online and offline sales at the Uus Hasanah Hijab shop. The type of research used is field research, with a descriptive-qualitative approach. Data collection using observation, interviews, and documentation. The results of this study can conclude that online sales revenue is higher than offline sales, online sales reach 500 million, while offline sales are only 100 million. This happens because: 1) Offline sales transactions consumers must come directly to the store, while online can make transactions through various e-commerce platforms; 2) Offline operational costs are greater than online operations, because online only costs website maintenance and online marketing costs; 3) Offline reach and accessibility are limited to areas near the store, while online has a very wide range, anytime anywhere can transact; 4) Offline customer interactions can interact directly and can get product recommendations in person, while online interactions are only through communication media provided by each e-commerce platform such as WA, and the results of other customer reviews. Furthermore, the implementation of online sales for the Uus Hasanah Hijab shop uses several application platforms such as Instagram, Shopee, and TikTok. However, Uus Hasanah Hijab is more dominant in promoting Tiktok accounts compared to other online applications. Meanwhile, Uus Hasanah Hijab offline sales through making banners, distributing brochures, tidying up product displays, neat product packaging, imposing discounts and providing excellent service to customers who come to the Uus Hasanah Hijab Shop

Perwujudan Maqashid syariah Dalam Ekonomi Islam, Lembaga Keuangan Syariah, dan Undang-Undang Nomor 21 Tahun 2008 Tentang Perbankan Syariah

Fitri Anisa, Muhammad Hasanudin , Atang Abd Hakim — Sun, 23 Jun 2024 01:29:27 +0000

Maqashid syariah refers to the goals or purposes underlying Islamic laws, and in an economic context, this concept helps determine economic principles and practices that are in accordance with Islamic teachings. This article outlines the objectives of Maqashid syariah which include the protection of religion, life, intellect, lineage and property. This article also discusses various sharia economic instruments used in mudarabah, musharakah and takaful practices. Apart from that, this article aims to determine the important role of sharia financial institutions in achieving the goals of Maqashid syariah in an economic context. The methodology in this article uses library research or literature study with data sources coming from books, journals and research reports that discuss the realization of maqashid sharia in Islamic economics. The results of this article show that the realization of maqashid sharia in Islamic economics can be seen from the implementation of contracts in sharia financial institutions whose operations are based on Islamic values which aim to achieve shared mashlahah which is also supported by the enactment of law number 21 of 2008 concerning sharia banking. which contains maqashid sharia values. The embodiment of hifdz al-maal (protecting assets) is found in mudharabah and musyarakah contracts and the embodiment of hifdz al-khams (protecting the soul) is found in takaful or sharia insurance.

Profesi Pengatur Belokan Jalan Dalam Perspektif Ekonomi Syariah (Studi Fenomenologi Di Persimpangan SMPN 2 Purwakarta)

Rina Nurhayati, Eka Ahadiyat Suryana, Aji Suryadi — Sun, 30 Jun 2024 16:16:43 +0000

Based on the results of the author's observations, the profession of road turn regulator does not have the legal auspices of the Constitution, in contrast to parking attendants who already have legal auspices under the guidance of the Department of Transportation of each city or region. The second phenomenon is the job security of the road turn regulator profession at the SMPN 2 Purwakarta Road Intersection, Kel. Ciseureuh Purwakarta has not been guaranteed, either health insurance or work accident insurance. The purpose of this study was to determine the profession of road turn regulator at the intersection of SMPN 2 Purwakarta in sharia economic perspective. This research uses qualitative methods with a phenomenological approach, data collection through observation, interviews with 5 respondents who have met the criteria, documentation studies. The results of the study can be concluded that "Pak Ogah" is a term for those who work as workers who regulate almost every road intersection. The income they get from each driver ranges from Rp. 500,- to Rp. 2,000,- and sometimes there are drivers who deliberately give more. This income if calculated within one hour is at least Rp. 50,000, - up to Rp. 200,000, - depending on the crowd in the center of Purwakarta City. The profession of the road turn regulator at the SMPN 2 Purwakarta road intersection is not yet in accordance with sharia economics, because the road turn regulator at the SMPN 2 Purwakarta road intersection who carries out his duties is only limited to pursuing gifts from 2-wheeled drivers, especially 4-wheeled ones, besides that many are also found that the position and instructions of the road turn regulator are not based on traffic safety and order.