bluuebunny/crossref_metadata_2025 huggingface dataset:
Fitur Shopee Barokah dan Tokopedia Salam: Inovasi Marketplace Halal Sebagai Upaya Pengembangan Ekonomi Digital Berbasis Syariah
Authors: Fradesa Fiza , Abadi Septriau Putra , Maani Bahrul , Hardi Eja Armas , Sucipto Sucipto
Published: March 2024

The current halal lifestyle trend is not only loved in Indonesia, but globally even non-Muslims are following it. Quality assurance, cleanliness, health and product safety are the main attraction. The existence of digital technology facilitates the development of the Islamic economy. Shopee and Tokopedia as one of the e-commerce sites in Indonesia see the potential for a very large halal market demand. Marketplace continues to innovate for the sake of innovation to attract the hearts of its customers. One of the sharia features launched is the Shopee Barokah and Tokopedia Salam features. This feature received a good response from people who were worried that shopping was not in accordance with Islamic law. This research includes literature research and is descriptive in nature, namely by regularly describing the data obtained, understood, and described so that readers can understand them better. The data used in this study is secondary data in the form of encyclopedias, journals, articles. This study aims to determine the development of a sharia-based digital economy in Indonesia seen from the two sharia features. The results of his research, Indonesia has great potential to be able to develop a sharia-based digital economy considering that Indonesia is dominated by the Muslim community. Indonesia also has the potential to become the center of the global halal industry as long as all elements of the government, UMKM, marketplaces, communities, and other elements can work together to make it happen.
Analisis Pengaruh Hubungan antara Value Co-creation Terhadap Perilaku Word of Mouth Konsumen Muslim di Indonesia Penggunaan Jasa Telemedicine
Authors: Aditya Dana , Tamonsang Matheous , Suhariadi Fendy , Hartini Sri
Published: March 2024

The main purpose of this study is to test and analyze the influence of direct effect value co-creation on word of mouth. This study also examines the indirect influence of brand experience and brand love, in the relationship of co-creation on word of mouth. This study used 152 Muslim primary data who used telemedicine services in Surabaya and Bandung during Covid-19. The research data was processed which SEM PLS method to test the development of theory Service Dominant Logic in this research model by value co-creation activities. From the test results, it was found that there was only one hypothesis rejected, this hypothesis is the relationship between brand love and word of mouth, meanwhile other hypotheses were accepted significantly. This explains the phenomenon of Indonesian Muslim who use telemedicine services during the pandemic condition, not come from their relationship with brands. Because of the high collinearity data in this study, so the authors expect that the reader must be careful to interpret the results of this study.
Analisis Kualitas Layanan dan Kepuasan Nasabah Bank Syariah Indonesia
Authors: Meilani Any , Sugiarti Dian
Published: March 2024

The merger of the three Islamic commercial banks (Bank BRI Syariah, Bank BNI Syariah and Bank Syariah Mandiri) into Bank Syariah Indonesia will influence customers in assessing the service quality of Bank Syariah Indonesia after the merger. The difference in service will definitely be felt by customers, both in terms of quantity and quality. This study aims to see whether or not there is an influence between service quality and customer satisfaction at Bank Syariah Indonesia in Bandung area. The method used in this research is quantitative through the distribution of closed questionnaires with 6 independent variables of service quality dimensions, namely compliance, assurance, reliability, tangible, empathy, and responsiveness or CARTER. The results of the study show that there is a significant influence between the assurance variable and customer satisfaction, the reliability variable and customer satisfaction, the tangible variable and customer satisfaction, the empathy variable and customer satisfaction, I and the variable responsiveness to customer satisfaction (customer satisfaction). The CARTER dimension variable of service quality also has a simultaneous significant effect on the customer satisfaction variable.
Analisis Implementasi Etika Kerja Islam, Ekonomi Hijau dan Kesejahteraan dalam Prespektif Ekonomi Islam
Authors: Wahyuni Ely Fitri , Hilal Syamsul , Madnasir Madnasir
Published: March 2024

Indonesia is the second richest country in the world for terrestrial and marine biodiversity. Non-renewable natural resources worsen environmental resources because of human behavior that is not environmentally friendly. Meanwhile, threats due to climate change and global warming are increasingly reducing the sustainability of the earth in meeting the needs and welfare of mankind. The green economy is a model of the concept of economic development that no longer relies on development based on excessive exploitation of natural resources and the environment. On the other hand, Welfare is something that everyone wants to achieve, both individual welfare and family welfare. One of the villages that has natural wealth is Labuhan Baru Village, which is one of the Way Serdang District Villages which is located directly adjacent to South Sumatra. The area of Labuhan Baru Village is 1,240 KM. The Labuhan Baru community based on the village profile in 2020, the daily livelihood of the residents is the majority of rubber farmers. Based on observations made by researchers, it is interesting that not all plantation sectors have good potential in the green economy such as secondary crops, rice and so on. Rubber trees have good potential for the concept of a green economy, namely the existence of a sustainable economy that is environmentally friendly. Seeing from that, the majority of the religion of Labuhan Baru Village is Muslim where Muslims themselves uphold ethics. This is a question of researchers how the practices carried out by the people of Labuhan Baru Village on Islamic work ethics, green economy and welfare in the perspective of Islamic economics. This study aims to analyze how the implementation of the Labuhan Baru Village community in implementing Islamic work ethics, green economy and welfare in the perspective of Islamic economics. The type of data used is primary data obtained directly by the rubber farming community of Labuhan Baru Village. The results of this study indicate the implementation of Islamic work ethics, green economy and welfare of rubber farmers in Labuhan Baru Village, Way Serdang District, Mesuji Regency in accordance with the perspective of Islamic economics. The implementation carried out by rubber farmers in Labuhan Village is in accordance with Islamic teachings that have been taught. But unfortunately the rubber farmer community awareness of formal education is still somewhat less, they are more inclined towards non-formal education, namely Islamic boarding schools, seeing from the statements of the rubber farming community in Labuhan Baru Village, this is reinforced by data on education graduates obtained from the Labuhan Baru Village profile in 2020 from the population of 1759 for undergraduate graduates is 15 and for masters as many as 1. According to researchers this is one of the factors in implementing Islamic work ethics, green economy and welfare are still using the traditional way.
Peran Kewirausahaan Dalam Meningkatkan Kesejahteraan Masyarakat UMKM Menurut Perspektif Ekonomi Islam
Authors: Komariah Kokom
Published: March 2024

Tujuan dari penelitian ini adalah untuk mengetahui Peranan Kewirausahaan dalam meningkatkan kesejahteraan masyarakat UMKM, mikro, kecil dana menengah menurut presferktif Islam. Jenis penelitian ini adalah deskriptif kualitatif dengan pendekatan studi kasus. Penelitian ini adalah penelitian lapangan (field research). Hasil penelitian dilapangan bahwa dengan adanya Peranan Kewirausahaan Dalam Meningkatkan Kesejahteraan Masyarakat UMKM Mikro, Kecil serta Menengah Menurut Persfeltif Ekonomi Islam merupakan daya tarik tersendiri terutama bagi masyarakat di Desa Tanjung Jone Kecamatan Jempang Kutai Barat dalam meningkatkan kesejahteraan keluarganya sangat membantu dalam menutupi kebutuhan sehari-hari keluarganya juga mempertahankan dan menjaga kelangsungan hidup keluarganya. Peran ibu dalam rumah tangga mempunyai peranan penting dalam perekonomian keluarga, selain sebagai pendidik anak, sebagai pengolah keluarga, ibu juga berperan dalam menafkahi kebutuhan keluarga. Menenun sama sekali tidak mengganggu atau menghalangi seorang ibu menjalankan perannya di dalam rumah tangga karena menenun dilakukan setelah mengerjakan pekerjaan rumah dan tanpa mengesampingkan perannya sebagai ibu rumah tangga dan tetap menjalankan kewajibannya sebagaimana perintah Allah SWT, hal tersebut sudah sesuai dengan semua indikator kesejahteraan keluarga perspektif ekonomi islam.
Analis Kinerja PT. Bank Syariah Indonesia Dengan Metode Sharia Conformity And Profitability (SCNP) Dan Maqashid Sharia Index (MSI)
Authors: Rahayu Hastanti Agustin , Masruroh Aniswatun , Syarifudin Syarifudin
Published: March 2024

Measurement of Islamic banking performance still using conventional methods and market penetration in Islamic banking still lag far behind conventional bank so that the Indonesian government merged the red plate Islamic bank namely BRIS, BNIS, BSM which changed their names to BSI. This study used descriptive quantitative method. The data used in this research is secondary data. Secondary data is obtained from the annual report BRIS, BNIS, BSM period 2016-2020 and BSI period 2021. Based on the data that has been obtained and the results of the analysis show that the difference in BSI performance in the 2016-2020 periode before the merger when viewed from the courtesies diagram of SCnP BRIS, BNIS, and BSM is in the same LRQ quadrant (Lower Right Quadrant) with MSI ranking results BSM ranked 1st, BRIS 2nd, and BNIS 3rd. In the 2021 period after the merger when viewed from the courtesies diagram of SCnP BSI be in the LRQ quadrant with a 4th MSI ranked. This suggests that the comparison results would be better if they had the same period i.e. before and after the merger of five years each.
Pengaruh Pelayanan, Produk Pembiayaan, dan Persepsi Nasabah Terhadap Minat Produk Pembiayaan Koperasi Simpan Pinjam dan Pembiayaan Syariah BMT Samara
Authors: Hani’in Umi , Santosa Harun
Published: March 2024

Tujuan penelitian ini adalah untuk mengetahui pengaruh pelayanan, produk pembiayaan, dan persepsi nasabah terhadap minat produk pembiayaan Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) BMT Samara. Penelitian yang akan dilakukan ini dengan menggunakan jenis penelitian explanatory, peneliti melakukan survey dan terjun ke tempat penelitian dengan memberikan kuesioner kepada nasabah pembiayaan KSPPS BMT Samara secara langsung. Penelitian ini menggunakan metode kuantitatif, dimana metode ini digunakan untuk menguji hipotesis. Populasi penelitian ini adalah nasabah pembiayaan KSPPS BMT Samara yang berjumlah 1.214 per 31 Desember 2021. Teknik pengambilan sampel menggunakan teknik quota sampling, dengan jumlah sampel sebanyak 100 orang nasabah pembiayaan. Metode pengumpulan data yang digunakan dalam penelitian ini adalah metode observasi, metode dokumentasi, dan metode kuesioner. Teknik analisis data yang digunakan yaitu dengan analisis regresi berganda, Uji t, Uji F, dan Uji R2. Hasil penelitian menunjukkan bahwa adanya pengaruh antara pelayanan secara parsial terhadap minat nasabah dalam produk pembiayaan. Tidak adanya pengaruh antara produk pembiayaan secara parsial terhadap minat nasabah dalam produk pembiayaan. Adanya pengaruh antara persepsi nasabah secara parsial terhadap minat nasabah dalam produk pembiayaan. Adanya pengaruh secara simultan dan bersama-sama dari pelayanan, produk pembiayaan dan persepsi nasabah terhadap minat nasabah dalam produk pembiayaan serta besar pengaruh secara simultan dan bersama-sama dari pelayanan dan persepsi terhadap minat produk pembiayaan sebesar 42,1% dan sisanya dipengaruhi oleh variabel lain yang belum ditentukan.
Pengembangan Usaha Syariah melalui Program Pengembangan Kewirausahaan bagi Mahasiswa di Universitas Duta Bangsa Surakarta
Authors: Hastuti Indra
Published: March 2024

The entrepreneurship development program aims to foster and assist students who already have a business or are just starting a business so that their business can develop and be sustainable using Sharia principles. Business development and business sustainability of students are highly expected because many businesses have been carried out by students with very interesting ideas and creativity, but the business carried out did not last long for various reasons of busy completing college, thesis and others. Their problems are limited manpower, lack of cooperation with partners and unsustainable marketing. The method of implementing entrepreneurship development program activities for students is to provide socialization of activities, provide training in Human Resource Management, Islamic Financial Management, preparation of financial reports according to sharia financial standards, online marketing, use of the UDB Market place, Workshop on web design creation followed by mentoring, Visits Business, Business Bazaar to introduce products. The result of this Entrepreneurship Development Program activity is to make 20 student tenants have independent and sustainable businesses.
PENGARUH PERAN MANAJER, KUALITAS PELAYANAN ISLAMI DAN KEPERCAYAAN TERHADAP LOYALITAS MELALUI KEPUASAN PASIEN BEKAM SEBAGAI VARIABEL INTERVENING PADA MITRA SEHAT THIBUN NABAWI DI MASA COVID-19
Authors: Munthe Nurfatimah , Rokan Mustafa Kamal , Bi Rahmani Nur Ahmadi
Published: March 2024

This study aims to determine the influence of the role of managers, the quality of Islamic service and trust in customer loyalty with satisfaction as an intermediate variable in Mitra Sehat Thibun Nabawi during the Covid-19 period. This research method uses a quantitative method approach with path analysis and uses the help of the SPSS version 26 program. This study used a questionnaire with a sample of 100 respondents. The results showed that partially the role of managers, service quality and trust affect customer satisfaction. In part, the role of managers and trust affects loyalty while the quality of service has no effect. Satisfaction as an intervening variable also affects the relationship between manager roles and trust in loyalty with a trust level of 95% or an error rate of 5%.
Analisis Literasi Ekonomi Syariah dan Ekosistem Halal Value Chain Terhadap Perkembangan Ekonomi Syariah Pondok Pesantren di Provinsi Lampung
Authors: Muhlisin Muhlisin , Hilal Syamsul , Bahrudin Moh.
Published: March 2024

Halal value chain is considered one of the factors that can influence the income of business actors in Lampung Province. Halal value chain provides a suitable framework to explain how an organizational unit can manage substantial considerations in all locating its resources, creating differentiation and effectively managing its costs. With the existence of a halal value chain balanced with the support of economic literacy, it will be able to increase income for business actors. In this research, the researcher uses the term Islamic economic literacy. This research is a research that uses a qualitative approach. Data collection techniques used are interviews and observation. The informants used were 3 Islamic boarding schools that have a food business in Lampung Province. The results of the interview show that all informants as many as 3 business fields of Islamic boarding schools use the halal value chain as their business model and have implemented sharia economic literacy. All business actors in Islamic boarding schools acknowledge that there is a good influence on the development of Islamic boarding schools' Islamic economy. However, the income from the Islamic boarding school business is still more focused on developing the Islamic boarding school business sector first.
Pengaruh FDR, PSR, Zakat Performance Ratio, dan Dana Pihak Ketiga Terhadap Market Share Dengan ROA Sebagai Variabel Mediasi
Authors: Sari Indah , Aisyah Esy Nur
Published: March 2024

This study aims to determine the effect of Financing to Deposit Ratio (FDR), Profit Sharing Ratio (PSR), Zakat Performance Ratio (ZPR), and Third-Party Funds (DPK) on Market Share with Return On Assets (ROA) as a Mediation Variable. This study is quantitative. The object of this research is Islamic Commercial Banks in Indonesia which are registered with the Financial Services Authority (OJK) and Bank Indonesia (BI). The sample used the purposive sampling technique and produced 8 BUS in Indonesia. The data in this research is secondary data in an annual report from 2014 to 2020. The method used is path analysis using SPSS version 26 software for data analysis. The results showed that the FDR, PSR, ZPR, and DPK variables simultaneously impacted ROA. And FDR, PSR, ZPR, DPK, and ROA impact market share. Partially , ZPR PSR, and DPK impact ROA, then ZPR,DPK and ROA affect Market Share. At the same time, the FDR variables have no impact on ROA. Then FDR and PSR, do not influence market share. Furthermore, the results of the mediating role show that the ROA variable mediates the relationship between FDR, PSR ZPR, and DPK on Market Share.
Perspektif Islam dan Pandangan Masyarakat Kota Bengkulu Terhadap Fenomena Cryptocurrency
Authors: Widhiarti Julia Ayu , Arisandi Debby , Yarmunida Miti
Published: March 2024

Cryptocurrency is one of the many digitalization phenomena that now exist and being hot issue among people around the world. The existence of cryptocurrency raises a question in the society, especially among the muslims related to how its law of Islam is. Therefore, this qualitative research aimed at finding out the how far the understanding that people in Bengkulu’s City have about cryptocurrency, how the cryptocurrency system is and its law of Islam. To answer that question, the researcher interviewed several samples, which is from Industry and Trade Office of Bengkulu Province, and 20 samples from the people of Selebar District, Bengkulu City. As a result, it was found that from 20 community samples, only 9/20 or 45% stated that they knew about cryptocurrency, while the 11/20 or 55% remaining stated that they didn’t know. Also 2/20 or 10% of the samples said that they had invested on cryptocurrency, while 18/20 or 90% remaining said that they had not. In addition, the research also found out that cryptocurrency transactions contains at least 2 things that are prohibited in Islam, so it’s illegal.
Pengaruh Motivasi Kerja Islam dan Lingkungan Kerja Terhadap Kinerja Karyawan dengan Disiplin Kerja sebagai Variabel Intervening pada UD Indo Karya Stone Tulungagung
Authors: Moor Singgi Baharudin , Sujianto Agus Eko
Published: March 2024

In this article, the focus of the research is the employees of Indo Karya Stone Tulungagung, who expects all employees to be able to work optimally to achieve the desired results. As for the purpose; 1) determine the effect of Islamic work motivation on employee performance; 2) determine the effect of the work environment on employee performance; 3) the influence of Islamic work motivation on employee performance through work discipline as an intervening variable; 4) the influence of the work environment on employee performance through work discipline as an intervening variable UD. Indo Karya Stone Tulungagung. This study uses a quantitative approach. The population in this study were UD Indo Karya Stone Tulungagung, with a sample of 30 people. The sampling technique used is purposive sampling. Data collection techniques using online questionnaires via google form. The analysis tool uses SPSS 25.00. The results of the study show that: (1) Islamic work motivation has a significant direct effect on employee performance; (2) the work environment directly does not have a significant effect on employee performance; (3) Islamic work motivation indirectly has a significant effect on employee performance through work discipline (4) the work environment does not indirectly have a significant effect on employee performance through UD work discipline. Indo Karya Stone Tulungagung. The limitation of this research is that it only examines the effect of work motivation, work environment, and work discipline, while other variables that affect employee performance are expected to be investigated by further researchers.
Hasanah Card BNI Syariah Sebagai Alat Transaksi dalam Perspektif Maqasid As-Shariah
Authors: Sutono Sutono
Published: March 2024

Along with the development of the population which is increasingly increasing, so also the needs that must be met by each individual to obtain goods or services are also increasing. Before the introduction of money, transactions were made by barter. Due to difficulties in the similarity of desires for the type of goods to be exchanged (Due difficulties in the similarity), the most effective means of exchange, namely money, emerged. Therefore, financial institutions based on banking and non-banking, both conventional and sharia are known as institutions that meet the expectations of the community in meeting all needs. Besides that, this institution is also able to provide services not only limited to saving or investment activities but also to improve services in the field of buying and selling or payment with the types and features of payments easily and quickly so that it can be done easily anytime and anywhere. Based on the phenomena and social realities that occur, the existence of Technology (IT) is able to make all needs can be fulfilled easily and comfortably, as is the emergence of IT-based payment instruments such as credit cards, charge cards, internet banking, phone banking, e-commerce. Flash Payment wallets, as well as Sharia Cards. The fundamental problem in this research is to reveal how the hasanah card as a transaction tool in the perspective of maqasid al-shari'ah? To provide an understanding of the problem, writing uses a qualitative descriptive methodology, to explore this issue, the authors use interview techniques, documentation, and analyze various research journals or sources of information related to the hasanah card. The results of this research can be used by academics as an addition to the scientific treasures and other researchers to develop other research results. Meanwhile, financial institutions can be used as a source of reference and principles in the development of Islamic banking-based institutions.
Pengaruh Kompensasi, Motivasi Terhadap Kinerja Pegawai Melalui Variabel Intervening Kepuasan Kerja Dan Perspektif Maqashid Syariah Pada RSUD Dr. Pirngadi Kota Medan
Authors: Nurhidayanti Nurhidayanti , Tarigan Azhari Akmal , Nasution Syukri Albani
Published: March 2024

Performance or performance is a description of the level of achievement of the implementation of a program of activities or policies in realizing the goals, objectives, vision and mission of the organization as outlined through the strategic planning of an organization. Employee performance is the result of work in quality and quantity achieved by an employee in carrying out his duties in accordance with with the responsibilities assigned to him. The purpose of this study was to determine the direct and indirect effects of compensation, motivation, job satisfaction on performance at RSUD Dr. Pirngadi Medan City. This research method uses a quantitative approach with path analysis and uses the SPSS version 20.0 program. This study uses a questionnaire with a sample of 100 respondents. The results of this study indicate that the compensation variable, motivation, on job satisfaction through performance is 54.5% and the remaining 45.5% is influenced by other variables. While the compensation variable, motivation on job satisfaction is 55.7% and the remaining 44.3% is influenced by other variables. intervention at RSUD Dr. Pirngadi Medan City with 95% confidence level and 5% error rate. Maqashid al-shari'ah can be interpreted as God's goal as shari' in establishing an integrated law for his servants. The essence of maqashid al-syari'ah is to realize goodness while avoiding evil or attracting benefits (maslahah).
Modernisasi Rumah Potong Hewan Halal RPH Krian dalam Mewujudkan Green Economy di Kabupaten Sidoarjo
Authors: Nuzula Fitrotun , Yuni K Kusnul Ciptanila
Published: March 2024

Modernization of halal slaughterhouses as a new alternative from conventional conventional slaughterhouses into modern professional halal slaughterhouses is a necessity for the people of Indonesia as a country with the largest Muslim population in Indonesia. It is clear that the modernization of halal slaughterhouses should be based on the existence of a slaughtering laboratory with adequate equipment or solutions to facilitate the slaughtering process, including qualified staff and monitoring and devaluation. all policies and regulations issued by the government. This research was conducted by using descriptive qualitative analytical method. The purpose of this study is to explain the importance of modernizing halal slaughterhouses for the realization of a green economy in Sidoarjo Regency. The results of the study indicate that butchers still use soil as a convenient place to make carcasses. The RPH, which is worth billions of rupiah, is just an incredibly beautiful building and the iron is rusty. This image shows that technology cannot be used to turn traditional practices into professionals. To achieve a green economy, there must be adequate facilities or human resources that can support the waste management of Krian RPH in all areas that can have economic, social and environmental value for a green environment.
Analysis of the Effect of Islamic Corporate Governance on the Financial Performance of Islamic Banking in Indonesia
Authors: Wibowo Danny
Published: March 2024

This research is motivated by the importance of financial performance for the company as a consideration for the management in making financial decisions. The purpose of this study is to analyze the influence of Islamic Corporate Governance on the Performance of Islamic Banking in Indonesia. In this study, Islamic Corporate Governance is measured by indicators of the board of commissioners, the composition of the board of commissioners and the audit committee. While the financial performance variable is measured by Return On Assets (ROA). The population in this study are Islamic Commercial Banks (BUS) registered at Bank Indonesia as many as 11 banks. Based on the purposive sampling method , the samples obtained were 8 Islamic banks that met the criteria. The research data was obtained from the annual report during the 2016-2020 period. The analytical method used is panel data regression analysis with Eviews for windows version 9.0 software . The results of the study show that Islamic corporate governance has a positive and significant effect on the performance of Islamic banking. Thus, to improve the performance of Islamic banking, it is necessary to improve Islamic corporate governance.
Analisis Komparatif Kinerja Reksa Dana Syariah dan Reksa Dana Konvensional di Masa Pandemi
Authors: Davi Izzuna , Haryono Slamet
Published: March 2024

This study aims to compare and see the performance of Islamic mutual funds and conventional mutual funds during the pandemic. This study uses a type of research with a quantitative approach. The samples used in this study were conventional mutual funds and Islamic mutual funds. The source of data in this study is secondary data from the Net Asset Value per unit (NAV/unit) of sharia mutual funds and conventional mutual funds available on the OJK website. The analytical method used is the comparative method and the average difference test using the independent sample t-test method, with the SPSS program and the Sharpe method to determine the best performance of stock mutual fund ratings. The results show that the performance of conventional stock mutual funds with an average Sharpe index of 0.026 is superior to the performance of Islamic mutual funds with an average Sharpe index of 0.021, while based on the independent sample t-test test, it is proven that there is no significant difference between the performance of Islamic stock mutual funds and performance of conventional equity mutual funds, with a 2-tailed sig value of 0.498 > 0.05.
Pengaruh Relationship Marketing, Comporate Image dan Syariah Compliance Terhadap Loyalitas Nasabah dengan Kepuasan Nasabah Sebagai Variabel Intervening Pada PT BSI KCP Gunung Tua
Authors: Oktapiani Ade Ayu , Anggraini Tuti
Published: March 2024

The development of Islamic banking in Indonesia is very rapid and increasingly competitive in providing banking services, to attract the attention and interest of customers. Banks must be able to face the challenges of the industrial revolution, by improving and developing strategies in understanding what are the factors in attracting customers and creating customer loyalty. One strategy that can be used to create customer loyalty is by means of relationship marketing, corporate image and sharia compliance. The purpose of this stdy is to determine the partial or simultaneous effect of Relationship Marketing, Corporate Image and Sharia Compliance variables on customer loyalty at PT. Bank Syariah Indonesia KCP Gunung Tua and whether the satisfaction variable can mediate Relationship Marketing, Corporate Image and Sharia Compliance on customer loyalty. This study uses a quantitative approach. The data used in this study is primary data obtained through a questionnaire (questionnaire) using a measurement scale, namely the Likert scale. The sample used in this study were 100 respondents. To analyze the data, the writer uses SPSS version 21. This analysis technique includes validity test, reliability test, classical assumption test, statistical test and path analysis test. Based on the results of the tests conducted, it shows that the relationship marketing variables, corporate image and customer satisfaction have a positive and insignificant effect on customer loyalty, the sharia compliance variable has a positive and significant effect on customer loyalty, the relationship marketing, corporate image and sharia compliance variables have a positive and significant effect on customer satisfaction. The customer satisfaction variable is not able to mediate the influence between relationship marketing, corporate image and sharia compliance on customer loyalty.
Disclosure of Islamic Social Reporting Through Islamic Corporate Governance and Profitability
Authors: Ernayani Rihfenti
Published: March 2024

This research is motivated by the importance of Islamic Social Reporting as a form of corporate concern for the community. This study aims to reveal Islamic Social Reporting through Islamic Corporate Governance and Profitability. This study uses a purposive sampling method from companies listed on the Jakarta Islamic Index in 2015-2019. There are 16 companies as samples in this study. In this study, Islamic Corporate Governance uses indicators of the size of the board of commissioners, the composition of the board of commissioners and the audit committee. While profitability uses the indicator of return on assets (ROA). This study uses multiple linear regression analysis method and the results show that simultaneously Islamic corporate governance and profitability have a significant effect on the disclosure of Islamic social reporting, while partially Islamic corporate governance and profitability have a positive and significant effect on the disclosure of Islamic social reporting. This is because with the high level of profitability and good corporate governance, the company can disclose Islamic social reporting which will also be good.
Analisis Kinerja Keuangan Bank Syariah Indonesia dengan Menggunakan Metode Eagels Periode 2018-2020
Authors: Maghfirah Nur , Anggraini Tuti
Published: March 2024

Bank Syariah Indonesia is one of the banks that offers various types of products and services. In 2018, Bank Syariah Indonesia faced high challenges. Indonesia's unfavorable economic conditions have an impact on the customer's financing business so that their finances decline. The decline in the quality of productive assets in 2018 prompted the company to increase reserves for asset losses, so that profits in 2018 were under pressure. This study aims to analyze the financial performance of Indonesian Islamic Banks using the EAGLES assessment aspect.This type of research is quantitative descriptive. This research describes systematically, factually, and accurately about the facts and characteristics of a particular population, or tries to describe the phenomenon in detail. In this study the data source used is secondary data. Aspects used to measure the financial performance of Bank Syariah Indonesia, namely, the ability to generate, asset quality, growth rate, liquidity, equity and strategic management.The results showed that the financial performance of the Indonesian Islamic Bank in terms of earning ability with ROA and ROE ratios obtained an average ratio of 0.25% and 3.11%, respectively. Judging from the aspect of asset quality, the NPF ratio obtained an average of 5.94%. The growth rate aspect which consists of the DGR and LGR ratios has an average ratio of 8.63% and 15.59%, respectively. Judging from the liquidity aspect with the FDR ratio, the average ratio is 23.33%. The equity aspect using the CAR ratio obtained an average of 12.55%. Judging from the strategic management aspect, the SRQ By Personnel ratio shows an average of 46.80%. Based on the results of the study, it can be found that the financial performance of Indonesian Islamic Banks in terms of the ROA and ROE ratios shows poor financial performance. The NPF and DGR ratios show a fairly good financial performance. Judging from the SRQ by Personnel ratio, it shows poor financial performance. Meanwhile, from the ratio of CAR, LGR and FDR, the financial performance of Bank Syariah Indonesia shows a very good performance.
PENGEMBANGAN UMKM KULINER BERBASIS SYARIAH: STUDI KASUS DI SUMATERA BARAT
Authors: Nurlaila Nurlaila , Juliati Nasution Yenni Samri , Hermain Hendra , Silalahi Purnama Ramadani
Published: March 2024

This study aims to analyze the development of sharia-based culinary SMEs from the aspect of products, transactions and information technology in West Sumatra. The researcher used a descriptive approach. The location of this research is in Bukit Tinggi City, Payakumbuh, Batu Sangkar, West Sumatra Province. The object of this research is related to sharia-based SMEs which are reviewed from the aspects of products, transactions and information technology. Researchers conducted FGDs with sharia-based culinary MSMEs, organizational institutions, financial institutions, and governments located in Batu Cage and interviews with culinary MSMEs located in Bukit Tinggi, Payakumbuh, Batu Sangkar. The findings of this study are sharia-based culinary SMEs in West Sumatra can be developed through product aspect development, namely by increasing halal certification administratively, then it can be developed through transaction aspect development, namely by facilitating transactions between buyers and sellers through financial technology and the availability of EDC machines. As well as the development of information technology aspects in order to increase promotion and income through e-commerce and social media.
Implementasi Sistem Pengendalian Internal Pada Pembiayaan Kepemilikan Rumah dalam Perspektif Ekonomi Islam (Studi Empiris Pada Bank Syariah Indonesia Provinsi Lampung)
Authors: Anita Anita , Hanif Hanif , Anggraeni Erike
Published: March 2024

Penelitian ini termasuk penelitian lapangan (field research), data primer didapatkan melalui observasi dan wawancara, kemudian diolah oleh penulis. Salah satu pembiayaan jangka panjang adalah KPR, dimana pembiayaan rumah memang sedang diminati masyarakat, dengan tujuan mendapatkan hunian yang sesuai keinginan dan dapat di angsur pembayarannya. Jika pelunasan KPR berjalan dengan baik maka pihak Bank pun akan memperoleh keuntungan. Namun kemungkinan resiko pasti ada, untuk menghindarkan dari kerugian yang akan didapat pihak Bank, maka dari itu diperlukan suatu pengendalian internal dan Manajemen Risiko dari pihak KPR Bank. Penelitian ini bertujuan untuk mengetahui proses pembiayaan KPR juga bagaimana pelaksanaan sistem pengendalian internal dan manajemen risiko pada Pembiayaan KPR di Bank Syariah Indonesia Provinsi Lampung. Pengendalian internal adalah Prosedur untuk memeriksa ketelitian data-data yang berhubungan dengan proses pembuatan keputusan yang mengarah pada tindakan manajemen untuk memberi wewenang juga sudah sesuai dengan teori COSO yaitu tentang sistem pengendalian internal. Manajemen risiko adalah Mengidentifikasi, mengukur, memantau dan mengendalikan jalannya kegiatan usaha bank dengan tingkat risiko yang wajar dan terarah, terintegrasi, dan berkesinambungan. Murabahah merupakan akad pembiayaan KPR Bank Syariah Indonesia Provinsi Lampung, murabah adalah akad jual beli barang dengan menyatakan harga perolehan dan keuntungan yang disepakati oleh penjual dan pembeli. Berdasarkan hasil penelitian, pembiayaan KPR Griya Bank Syariah Indonesia Provinsi Lampung. sudah sesuai dengan prinsip syariah dimana adanya penerapan akad murabahah, bahwa bank menjelaskan keuntungan yang telah disepakati secara transparan. Penerapan sistem pengendalian internal pada KPR Griya Bank Syariah Indonesia Provinsi Lampung. Yaitu adanya pemisahan fungsional, sistem otorisasi dan prosedur pencatatan, praktik yang sehat dan karyawan yang kompeten. Penilian risiko yaitu mengidentifikasi risiko, kemudian pengukuran risiko menggunakan analisis 5C yaitu character (watak), capacity (kemampuan), capital(modal), collateral (barang jaminan), dan condition of economic setelah itu pemantauan risiko dan langkah terakhir adalah pengendalian risiko.
THE EFFECT OF INTELLECTUAL CAPITAL, DIRECTOR’S EDUCATIONAL BACKGROUND, ISLAMIC SOCIAL REPORTING, AND FIRM SIZE ON THE PERFORMANCE OF SHARIA MAQASHID
Authors: Dwiyanti Indah Rizqi , Pratama Bima Cinintya , Dirgantari Novi , Winarni Dwi
Published: March 2024

This study aimed to determine the effect of intellectual capital, corporate educational background, Islamic social reporting, and measures on the performance of Islamic maqashid. The sample used in this study is Islamic Commercial Banks in 2009-2021 as many as 154 samples. The data analysis technique used is panel data regression model analysis. Using 3 test stages, namely a preliminary test that will determine the model used through the Chow test, Breush, and Pagan Lagrangian multiplier tests, and Hausman test. The results of these three preliminary tests show a model to test the relationship between variables. Then the diagnostic test, namely heteroscedasticity, and autocorrelation, is followed by hypothesis testing. The results of this study indicate that the intellectual capital variable has a positive effect on the performance of maqashid sharia. This shows that the maximum use of intellectual capital can improve the performance of maqashid sharia. Educational background has a positive effect on the performance of maqashid sharia, the higher the quality of the board's resources the ability to manage information properly improves the performance of maqashid sharia. While the Islamic Social Reporting variable and firm size do not affect the performance of maqashid sharia. Information in Islamic Social Reporting does not have much to do with maqashid sharia activities.
Maqashid Shariah Performance on Indonesian Islamic Banking: The Role of Intellectual Capital and Shariah Supervisory Board Reputation and Tenure
Authors: Karbaila Felicity Zahro Tunisa , Pratama Bima Cinintya , Fakhruddin Iwan , Pandansari Tiara
Published: March 2024

This study aims to examine the Maqashid Shariah Performance of Islamic banks in Indonesia by considering the influence of Intellectual Capital (IC) and aspects of the Shariah Supervisory Board (SSB), namely SSB reputation and SSB tenure. This study uses a sample of Islamic banks registered with the Financial Services Authority with a sample of 14 Islamic banks during the period 2008-2020. This research uses panel data regression model analysis. The analytical techniques used in this study are statistical tests, preliminary tests (Breusch-Pagan, likelihood test, Hausman test), diagnostic tests (heteroscedasticity test and autocorrelation test), and hypothesis testing. Based on the results of the three preliminary tests in determining the panel data regression model, this study will use a fixed effect model to examine the relationship between variables in regression models one and two. The results of this study reveal that intellectual capital has a positive impact on the Maqashid Shariah Performance of Islamic banks in Indonesia, this indicates that greater utilization of intellectual capital leads to an increase in the Maqashid Shariah Performance. The SSB Reputation variable negatively affects Maqashid Shariah Performance, this happens because there are many SSB who have positions on the National Standards Board (DSN) which can reduce focus so that the performance of SSB members cannot be implemented optimally, therefore it can reduce Maqashid Shariah Performance. In addition, the tenor of SSB does not affect the performance of Islamic maqashid Islamic banks in Indonesia, because the results of this study indicate that the average tenor of SSB is 5-6 years in Islamic banks. Where this proves that there is no influence of the length of time or not the term of office of the SSB on the performance of Islamic banks because the experience gained is not only in Islamic banks themselves. In addition, the longer the term of office spent as a member of the SSB, the higher the company's performance because the SSB feels more experienced and has prospects within the company. This study could not prove the moderating role of the reputation and tenure of the Shariah Supervisory Board in strengthening the relationship between intellectual capital variables and Maqashid Shariah Performance.
ANALISIS PENGARUH QUALITY OF WORK LIFE DAN ISLAMIC WORK ETHIC TERHADAP LOYALITAS KARYAWAN MELALUI KINERJA SEBAGAI VARIABEL INTERVENING (STUDI KASUS PADA PT. BANK SYARIAH INDONESIA, TBK KC MEDAN ADAM MALIK)
Authors: Zikri Firdaus M. Ilmi , Siregar Saparuddin , Nurlaila Nurlaila , Widya Helma
Published: March 2024

This study aims to determine the effect of Quality of Work Life which is divided into two independent variables, namely Work Participation and Work Environment, as well as another independent variable, namely Islamic Work Ethic at Bank Syariah Indonesia KC Medan Adam Malik. This study uses quantitative methods and associative approaches, data collection techniques using questionnaires and the population and sample in this study were 31 employees at Bank Syariah Indonesia KC Medan Adam Malik using saturated sampling technique. The data obtained were then processed using SPSS Version 25, then analyzed using path analysis. The results of this study indicate that Work Participation on the Work Environment has a correlation value of 0.762 indicating a strong correlation. While the Work Environment on Islamic Work Ethic has a correlation value of 0.535 indicating a moderate correlation. From the results of the Hypothesis Test (First) Work Participation, Work Environment, and Islamic Work Ethic have a significant effect on Employee Performance, this can be seen from the t-count value for the Work Participation variable of 3.162 > t.table 2.051, t-count Work Environment 4.843 > 2.051, and t-count Islamic Work Ethic of 4.162 > t-table 2.051. Meanwhile, from the results of the Hypothesis Test (Second) Work Participation, Work Environment, Islamic Work Ethic, and Employee Performance have a significant effect on Employee Loyalty, this can be seen from the t value for the Work Participation variable of 2.300 > t. table 2.051, t count Work Environment 3.093 > 2.051, t count Islamic Work Ethic of 3.773 > t table 2.051, and t count Employee Performance of 3.681 > t table 2.051. And from the path analysis results show that the Employee Performance variable is not able to strengthen the influence of Work Participation, Work Environment, and Islamic Work Ethic on Employee Loyalty.
Mustahik Economic Empowerment through Micro Business Development
Authors: Adiwijaya Zaenal Alim , Amilahaq Farikha
Published: March 2024

This research aims to develop an efficient model of economic empowerment through a micro business development program for mustahiq. The model development involves (1) providing capital through financing, 2) providing management skill training, (3) innovation development, 4) intensive assistance from BAZNAS, and 5) marketing strategy training. Those models are to improve the performance of micro-businesses so that mustahiq can be empowered. The effectiveness of the five variables was tested through multiple regression analysis using SPSS. The data is processed based on data tabulation of 78 selected respondents. The results show that providing capital from zakat productive, procuring management skill training, innovation development training, intensive assistance from amil zakat, as well as marketing strategy training, can improve the performance of mustahiq micro businesses. The business assistance and various training that accompanies the distribution of business capital, is a unified business incubation model to empower the mustahiq economy and is a characteristic of amil institutions compared to profit-oriented capital-providing institutions such as banks.
Implementasi Manajemen Wakaf Tunai (Studi pada badan Ziswaf Kopontren Al-Yasini Pasuruan)
Authors: Syadali M. Rif'an
Published: March 2024

Waqf is one of the instruments in the Islamic economy that aims to achieve goals in the Islamic economy, namely creating a prosperous life. Waqf is still considered as a practice for rich people, because waqf payments are synonymous with land and buildings. Therefore, currently in Indonesia a new alternative regarding waqf payments has emerged, namely cash waqf with the emergence of Law no. 41 of 2004 concerning the management of cash waqf funds. This study will describe the implementation of cash waqf in Al-Yasini Kopontren Ziswaf Agency as an Amil Zakat Institution that has implemented cash waqf. This study uses a qualitative approach with data analysis methods using interactive models. From the results of this study it is known that the implementation of cash waqf funds in the Al-Yasini Kopontren Ziswaf Board is invested in the form of shares in the retail business "Al Yasini Mart". Funds from the dividends are used for scholarships for Al-Yasini Islamic Boarding School students who are orphans/orphans, underprivileged, outstanding students and memorizers of the Koran.