This research was conducted at the Darul Al-Ikhlas Modern Islamic Boarding School and the sample of this study was educational staff. The background of the problem in this study is based on the theory of Islamic banking literacy increases, the decision to become a customer will also increase and the quality of service increases, the decision to become a customer will also increase. But the phenomenon in the field in this study is a pesantren-based school but there are still educational staff who still use conventional banks. The theory used in this study is the theory of Islamic banking literacy, service quality and decision making to become a customer of Islamic banks. The theory discussed by researchers is related to the field of Islamic banking and consumer behavior. This theoretical approach is also related to the problem under study, namely Islamic banking literacy, service quality and the decision to become an Islamic bank customer in Darul Al-Ikhlas Islamic boarding school education staff and other theoretical supporters. This type of research used is quantitative research. The samples used in this study were 41 samples with saturated sample technique. Data analysis techniques used validity test, reliability test, normality test, classic assumption test namely multicollinearity test, heteroscedasticity test, and autocorrelation test while hypothesis testing included t test and F test, R2 determination coefficient test and multiple linear regression analysis. The results of this study indicate that Islamic banking literacy has a positive effect on the decision of educational staff to become Islamic bank customers at the Darul Al-Ikhlas modern Islamic boarding school. Service quality has a positive effect on the decision of educational staff to become customers of Islamic banks at the Darul Al-Ikhlas Islamic boarding school. Simultaneously, Islamic banking literacy and service quality influence the decision to become a customer of an Islamic bank. .
{"title":"ANALYSIS OF THE INFLUENCE OF SHARIA BANKING LITERACY AND SERVICE QUALITY ON BECOME DECISIONS SHARIA BANK CUSTOMERS","authors":"Rahma F. Hayati, Gusnia Rahayu, Kubota Tariq","doi":"10.24952/jsb.v4i1.8372","DOIUrl":"https://doi.org/10.24952/jsb.v4i1.8372","url":null,"abstract":"This research was conducted at the Darul Al-Ikhlas Modern Islamic Boarding School and the sample of this study was educational staff. The background of the problem in this study is based on the theory of Islamic banking literacy increases, the decision to become a customer will also increase and the quality of service increases, the decision to become a customer will also increase. But the phenomenon in the field in this study is a pesantren-based school but there are still educational staff who still use conventional banks. The theory used in this study is the theory of Islamic banking literacy, service quality and decision making to become a customer of Islamic banks. The theory discussed by researchers is related to the field of Islamic banking and consumer behavior. This theoretical approach is also related to the problem under study, namely Islamic banking literacy, service quality and the decision to become an Islamic bank customer in Darul Al-Ikhlas Islamic boarding school education staff and other theoretical supporters. This type of research used is quantitative research. The samples used in this study were 41 samples with saturated sample technique. Data analysis techniques used validity test, reliability test, normality test, classic assumption test namely multicollinearity test, heteroscedasticity test, and autocorrelation test while hypothesis testing included t test and F test, R2 determination coefficient test and multiple linear regression analysis. The results of this study indicate that Islamic banking literacy has a positive effect on the decision of educational staff to become Islamic bank customers at the Darul Al-Ikhlas modern Islamic boarding school. Service quality has a positive effect on the decision of educational staff to become customers of Islamic banks at the Darul Al-Ikhlas Islamic boarding school. Simultaneously, Islamic banking literacy and service quality influence the decision to become a customer of an Islamic bank. .","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"8 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-08-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139348825","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Understanding Islamic banking can be applied properly but has not fully positively influenced the intention to save in Islamic banking. Lack of interest and customer trust in Islamic banking to save in Islamic banking so there is a need for socialization of Islamic banking knowledge itself, both regarding understanding, of products, principles, and contracts used by parties from Islamic banks. In addition, some opinions also state that it is normal for lecturers at Islamic religious colleges to save in Islamic banks because they are required to open savings accounts to receive their salary through Islamic banks. Based on the description of the problem, the researcher is
{"title":"Understood or Forced: Reviewing Lecturers' Interest in Saving in Islamic Banks","authors":"Kurniasih Setyagustina, Nur Khasanah, Ahmadi Ahmadi, Winahyu Dwi Suhitasari, Rina Nurarifah","doi":"10.24952/jsb.v4i1.8583","DOIUrl":"https://doi.org/10.24952/jsb.v4i1.8583","url":null,"abstract":"Understanding Islamic banking can be applied properly but has not fully positively influenced the intention to save in Islamic banking. Lack of interest and customer trust in Islamic banking to save in Islamic banking so there is a need for socialization of Islamic banking knowledge itself, both regarding understanding, of products, principles, and contracts used by parties from Islamic banks. In addition, some opinions also state that it is normal for lecturers at Islamic religious colleges to save in Islamic banks because they are required to open savings accounts to receive their salary through Islamic banks. Based on the description of the problem, the researcher is","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"111 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-08-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139348877","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Wanda Khairani, Maria Kutbiah, Sarmiana Batubara, Adanan Murroh
Operational risk is one of the risks that must be faced by every financial institution, including Bank Syariah Indonesia (BSI) KCP Gunung Tua. Operational risk is faced by all banks because running a bank's business cannot be separated from the human factor, service procedures, administrative processes, and so on. With the emergence of operational risk, there must be causes. The operational risk can cause the bank to lose money which is caused by several factors, namely first, failure in internal processes related to procedural failures. Second, system failure, the main risk to operations due to the bank's increasing dependence on technology. Third, external events, external factors come from matters beyond the control of the bank which also affect the company's operational performance. This study used a qualitative research method with a descriptive approach, the data sources obtained were primary data and secondary data, which were obtained through interview methods, observation methods, documentation methods and data analysis methods.From the results of this study it can be seen that operational risks that occur at BSI KCP Gunung Tua occur due to internal risks such as incorrect checking of counterfeit money, human resource risks such as atk carried by customers, system risks, namely systems that are down and will always occur every year, risks law such as loss of customer guarantees, as well as external risks such as the Covid-19 disaster. The BSI KCP Gunung Tua continues to improve its risk management in order to reduce operational risks that occur. The method used by BSI KCP Gunung Tua to overcome operational risks that occur is by focusing on these 2 factors, optimizing controlling for all employees (internal) and also optimizing controlling for customers (external). It can be seen from the management that has been implemented quite well, it can be seen that the operational risk at BSI KCP Gunung Tua is now reduced. The current operational risk is only because the system is down and that is now only once a year. And the risk because of covid-19 has reduced.
运营风险是每家金融机构都必须面对的风险之一，印尼伊斯兰银行（BSI）KCP Gunung Tua 也不例外。所有银行都会面临运营风险，因为银行业务的运营离不开人的因素、服务程序、行政流程等。操作风险的出现必然有其原因。操作风险会导致银行亏损，而导致银行亏损的原因主要有以下几个方面：一是内部流程失效，与程序失误有关。二是系统故障，由于银行对技术的依赖性越来越强，系统故障是主要的操作风险。第三，外部事件，外部因素来自银行无法控制的事项，也会影响公司的运营绩效。本研究采用了描述性的定性研究方法，获得的数据来源有第一手数据和第二手数据，通过访谈法、观察法、文献法和数据分析法获得。从本研究的结果可以看出，BSI KCP Gunung Tua 发生运营风险的原因有：内部风险，如假币检查不正确；人力资源风险，如客户携带的 Atk；系统风险，即系统瘫痪，每年总会发生；风险法，如客户担保损失；以及外部风险，如 Covid-19 灾难。BSI KCP Gunung Tua 不断改进风险管理，以减少发生的运营风险。BSI KCP Gunung Tua 采用的克服运营风险的方法是关注以下两个因素：优化对所有员工的控制（内部）和优化对客户的控制（外部）。从已经很好实施的管理中可以看出，BSI KCP Gunung Tua 的运营风险现在已经降低。目前的运营风险只是因为系统故障，而且现在每年只发生一次。此外，covid-19 带来的风险也有所降低。
{"title":"OPERATIONAL RISK ANALYSIS OF INDONESIAN SHARIA BANK OLD MOUNTAIN KCP","authors":"Wanda Khairani, Maria Kutbiah, Sarmiana Batubara, Adanan Murroh","doi":"10.24952/jsb.v4i1.8369","DOIUrl":"https://doi.org/10.24952/jsb.v4i1.8369","url":null,"abstract":"Operational risk is one of the risks that must be faced by every financial institution, including Bank Syariah Indonesia (BSI) KCP Gunung Tua. Operational risk is faced by all banks because running a bank's business cannot be separated from the human factor, service procedures, administrative processes, and so on. With the emergence of operational risk, there must be causes. The operational risk can cause the bank to lose money which is caused by several factors, namely first, failure in internal processes related to procedural failures. Second, system failure, the main risk to operations due to the bank's increasing dependence on technology. Third, external events, external factors come from matters beyond the control of the bank which also affect the company's operational performance. This study used a qualitative research method with a descriptive approach, the data sources obtained were primary data and secondary data, which were obtained through interview methods, observation methods, documentation methods and data analysis methods.From the results of this study it can be seen that operational risks that occur at BSI KCP Gunung Tua occur due to internal risks such as incorrect checking of counterfeit money, human resource risks such as atk carried by customers, system risks, namely systems that are down and will always occur every year, risks law such as loss of customer guarantees, as well as external risks such as the Covid-19 disaster. The BSI KCP Gunung Tua continues to improve its risk management in order to reduce operational risks that occur. The method used by BSI KCP Gunung Tua to overcome operational risks that occur is by focusing on these 2 factors, optimizing controlling for all employees (internal) and also optimizing controlling for customers (external). It can be seen from the management that has been implemented quite well, it can be seen that the operational risk at BSI KCP Gunung Tua is now reduced. The current operational risk is only because the system is down and that is now only once a year. And the risk because of covid-19 has reduced.","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"4 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-08-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139351780","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Muhammad Ilham, Purnama Sari, Nofinawati Nofinawati, Sry Lestari, A. Damisa
DETERMINANTS OF CITY MUSLIM MILLENIAL DECISIONS PADANGSIDIMPUAN USE DIGITAL BANKING
城市穆斯林千禧一代使用数字银行的决定因素
{"title":"DETERMINANTS OF CITY MUSLIM MILLENIAL DECISIONS PADANGSIDIMPUAN USE DIGITAL BANKING","authors":"Muhammad Ilham, Purnama Sari, Nofinawati Nofinawati, Sry Lestari, A. Damisa","doi":"10.24952/jsb.v4i1.8496","DOIUrl":"https://doi.org/10.24952/jsb.v4i1.8496","url":null,"abstract":"DETERMINANTS OF CITY MUSLIM MILLENIAL DECISIONS PADANGSIDIMPUAN USE DIGITAL BANKING","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"74 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-08-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139352094","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Banks As intermediary institutions have a very important role in driving the economy in Indonesia
银行 作为中介机构，在推动印尼经济发展方面发挥着非常重要的作用
{"title":"THE EFFECT OF KNOWLEDGE ON VOTING INTEREST PRODUCTS PT. MANDIRI SHARIA BANK PADANGSIDIMPUAN","authors":"Rusdi, Armyn Hasibuan, Damri Batubara","doi":"10.24952/jsb.v1i1.6328","DOIUrl":"https://doi.org/10.24952/jsb.v1i1.6328","url":null,"abstract":"Banks As intermediary institutions have a very important role in driving the economy in Indonesia","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"79 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-07-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139359342","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The purpose of this study is the first, show the understanding of the people of Batang Toru District towards PT. Sharia pawnshop, the second is what causes the people of Batang Toru District not to use PT. Sharia Pawnshop. This type of research is qualitative research, the collection of research data is carried out by conducting observations, interviews, and documentation with research objects in Batang Toru District in South Angkola District.Based on the research obtained as follows. First, the understanding of the people of Batang Toru District towards PT. Sharia pawnshops, most of the people in the Batang Toru sub-district already know Sharia pawnshops, but the community only knows not by understanding them. The people of Batang Toru District still mostly think that at PT. Sharia pawnshops are only for pawning. The second reason people do not use Sharia pawnshops is because of the lack of understanding of the people of Batang Toru District about PT. Sharia pawnshops and lack of promotion by distributing brochures and socialization from Sharia pawnshops to the people of Batang Toru District, South Tapanuli Regency.
{"title":"ANALYSIS OF THE DEVELOPMENT UNDERSTANDING OF THE PEOPLE BATANG TORU SUB-DISTRICT ABOUT SHARIA PAWNSHOPS","authors":"A. Harahap","doi":"10.24952/jsb.v4i1.8173","DOIUrl":"https://doi.org/10.24952/jsb.v4i1.8173","url":null,"abstract":"The purpose of this study is the first, show the understanding of the people of Batang Toru District towards PT. Sharia pawnshop, the second is what causes the people of Batang Toru District not to use PT. Sharia Pawnshop. This type of research is qualitative research, the collection of research data is carried out by conducting observations, interviews, and documentation with research objects in Batang Toru District in South Angkola District.Based on the research obtained as follows. First, the understanding of the people of Batang Toru District towards PT. Sharia pawnshops, most of the people in the Batang Toru sub-district already know Sharia pawnshops, but the community only knows not by understanding them. The people of Batang Toru District still mostly think that at PT. Sharia pawnshops are only for pawning. The second reason people do not use Sharia pawnshops is because of the lack of understanding of the people of Batang Toru District about PT. Sharia pawnshops and lack of promotion by distributing brochures and socialization from Sharia pawnshops to the people of Batang Toru District, South Tapanuli Regency.","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"128 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139368612","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This study aims to determine the impact or effect of human resource management based on Islamic values on PT Bank Sumut Cabang Syariah Padangsidimpuan. This research is descriptive qualitative research. The subjects of this study were branch leaders, deputy branch leaders, and 10 employees of PT Bank Sumut Cabang Syariah Padangsidimpuan. Data collection techniques are obtained from observations, interviews, and documentation. And the data processing and analysis techniques are using data reduction, data display, and conclusions. Based on the results of research conducted by researchers, human resource management based on Islamic values at PT Bank Sumut Syariah Branch Padangsidimpuan is in accordance with Islamic values, which include creed values, sharia values, and moral values. The impact or effect after the implementation of human resource management in accordance with Islamic values is found in the company's work culture, human resource management processes, and employee productivity and bonafficity.Keywords: Implications, Human Resource Management, Islamic Values
{"title":"IMPLEMENTATION OF HUMAN RESOURCE MANAGEMENT BASED ON ISLAMIC VALUES AT PT BANK SUMUT SYARIAH BRANCH PADANGSIDIMPUAN","authors":"Nursaima Harahap","doi":"10.24952/jsb.v4i1.8183","DOIUrl":"https://doi.org/10.24952/jsb.v4i1.8183","url":null,"abstract":"This study aims to determine the impact or effect of human resource management based on Islamic values on PT Bank Sumut Cabang Syariah Padangsidimpuan. This research is descriptive qualitative research. The subjects of this study were branch leaders, deputy branch leaders, and 10 employees of PT Bank Sumut Cabang Syariah Padangsidimpuan. Data collection techniques are obtained from observations, interviews, and documentation. And the data processing and analysis techniques are using data reduction, data display, and conclusions. Based on the results of research conducted by researchers, human resource management based on Islamic values at PT Bank Sumut Syariah Branch Padangsidimpuan is in accordance with Islamic values, which include creed values, sharia values, and moral values. The impact or effect after the implementation of human resource management in accordance with Islamic values is found in the company's work culture, human resource management processes, and employee productivity and bonafficity.Keywords: Implications, Human Resource Management, Islamic Values","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"99 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139368644","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"KUALITAS LAYANAN, KESADARAN MEREK, DAN ANALISIS PENGARUH MENGHORMATI KEPUTUSAN UNTUK MENGGUNAKAN LAYANAN PERBANKAN SYARIAH (STUDI KASUS NASABAH BANK MUAMALAT INDONESIA","authors":"M. Harahap, Veri Pramudia, Rahmadani Rahmadani","doi":"10.24952/jsb.v4i1.8003","DOIUrl":"https://doi.org/10.24952/jsb.v4i1.8003","url":null,"abstract":"","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"15 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-06-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139370321","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Ika P. N. Purnama, Nofinawati Nofinawati, Sarmiana Batubara, Ferri Alfadri
The lack of interest of the people of Batang Toru District in using gold installment products. The increase in gold prices makes some people tend to want to own gold. This causes people's interest to own gold to also increase. Gold installment products attract people's attention to own gold. However, what happened to the people of Batang Toru Subdistrict they felt burdened with the down payment given by the bank to the community, which was 20%, so that the community preferred to pay in installments for gold in a conventional way compared to sharia. The purpose of this study is to determine whether promotion, price, and service quality affect the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. The theory used in this research is public interest, promotion theory, price, service quality. This study is a quantitative study using multiple regression analysis, data collection techniques using a questionnaire with a sample of 100 people in Batang Toru District. The sampling technique is incidental sampling. Data processing was carried out with SPSS version 23. The results of the analysis carried out by researchers, the results of the partial study (t test) showed that promotion had an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. Price has an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. And the quality of service has an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. Judging by the promotion F test, price and quality of service have a simultaneous effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru.
巴塘托鲁地区民众对使用黄金分期付款产品缺乏兴趣。黄金价格的上涨使得一些人倾向于持有黄金。这使得人们对拥有黄金的兴趣也增加了。黄金分期付款产品吸引了人们对拥有黄金的关注。然而，发生在巴塘托鲁街道的人们身上的事情是，他们觉得银行给社区的首付负担太重，首付是20%，所以社区更愿意用传统的方式分期付款购买黄金，而不是伊斯兰教。本研究旨在探讨促销、价格及服务品质是否会影响巴塘托鲁地区人民在巴塘托鲁银行使用黄金分期付款产品的兴趣。本研究运用的理论有公共利益理论、促销理论、价格理论、服务质量理论。本研究为定量研究，采用多元回归分析，资料收集技术采用问卷调查，样本为巴塘托鲁区100人。抽样技术是附带抽样。数据处理采用SPSS version 23进行。研究人员进行分析的结果，部分研究的结果(t检验)表明，促销对巴塘托鲁地区人民使用PT. Bank Syariah Mandiri KCP巴塘托鲁地区黄金分期产品的兴趣有影响。价格对巴塘托鲁地区人民在巴塘托鲁银行使用黄金分期付款产品的利益有影响。服务质量对巴塘托鲁地区人民在巴塘托鲁银行使用黄金分期付款产品的利益有影响。从促销F测试来看，价格和服务质量同时影响巴塘托鲁地区人民使用PT Bank Syariah Mandiri KCP巴塘托鲁的黄金分期产品的利益。
{"title":"Determinants of Community Interest in Batang Toru District Using Cicil Gold Products at PT. Bank Sharia Mandiri Kcp Batang Toru","authors":"Ika P. N. Purnama, Nofinawati Nofinawati, Sarmiana Batubara, Ferri Alfadri","doi":"10.24952/jsb.v2i2.4946","DOIUrl":"https://doi.org/10.24952/jsb.v2i2.4946","url":null,"abstract":"The lack of interest of the people of Batang Toru District in using gold installment products. The increase in gold prices makes some people tend to want to own gold. This causes people's interest to own gold to also increase. Gold installment products attract people's attention to own gold. However, what happened to the people of Batang Toru Subdistrict they felt burdened with the down payment given by the bank to the community, which was 20%, so that the community preferred to pay in installments for gold in a conventional way compared to sharia. The purpose of this study is to determine whether promotion, price, and service quality affect the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. The theory used in this research is public interest, promotion theory, price, service quality. This study is a quantitative study using multiple regression analysis, data collection techniques using a questionnaire with a sample of 100 people in Batang Toru District. The sampling technique is incidental sampling. Data processing was carried out with SPSS version 23. The results of the analysis carried out by researchers, the results of the partial study (t test) showed that promotion had an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. Price has an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. And the quality of service has an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. Judging by the promotion F test, price and quality of service have a simultaneous effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru.","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"46 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-12-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116198784","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The background of this research is the incompatibility of theory with facts. Based on financial report data obtained from PT. Bank BRI Syria, Tbk. The period 2011-2019 tends to fluctuate. Financial ratios that can affect the rise and fall of the Return On Equity variable in this study are seen from the increase and decrease in the Non-Performing Financing variable and the Operating Income Operating Cost variable. The formulation of the problem in this study is whether there is an effect of Non-Performing Financing and Operational Costs of Operating Income on Return On Equity at PT. Bank BRI Syariah, Tbk. 2011-2019 period. This study aims to determine the effect of Non-Performing Financing and Operational Cost of Operating Income on Return On Equity at PT. Bank BRI Syariah, Tbk. Period 2011-2019 partially and simultaneously. This study discusses the financial statements related to the theory of the Non-Performing Financing variable and the Operating Cost of Operational Income variable on the Return On Equity variable. And related to other fields of Islamic banking science. This type of research is quantitative research, the data source used is secondary data through www. BRI Syariah.co.id. The sample of this research is 36 with data analysis used is multiple linear regression, by performing descriptive statistical tests, normality tests, linearity tests, classical assumption tests, hypothesis tests, R2 determination coefficient tests, and F tests, and the data is processed with the help of Software Eviews. Based on the results of the research partially Non-Performing Financing variables have a significant effect on Return On Equity, this is evidenced by the t-test analysis. And on the variable Operating Costs, Operating Income partially has a significant effect on Return On Equity, this is evidenced by the t-test analysis. Then simultaneously the variables of Non-Performing Financing and Operating Costs of Operating Income have a joint effect on Return On Equity
这一研究的背景是理论与事实的不一致。基于从PT. Bank BRI Syria, Tbk获得的财务报告数据。2011-2019年这段时间趋于波动。从不良融资变量和营业收入经营成本变量的增减可以看出本研究中影响净资产收益率变量涨跌的财务比率。本研究问题的提法是PT. Bank BRI Syariah, Tbk. 2011-2019年期间的不良融资和营业收入的运营成本对股本回报率是否存在影响。本研究旨在确定PT. Bank BRI Syariah, Tbk的不良融资和营业收入的运营成本对股本回报率的影响。2011-2019年期间部分同时进行。本研究探讨了财务报表相关理论中不良融资变量和营业收入变量的经营成本对净资产收益率变量的影响。并与伊斯兰银行科学的其他领域相关。这种类型的研究是定量研究，使用的数据来源是通过www的二手数据。BRI Syariah.co.id。本研究样本为36个，数据分析采用多元线性回归，分别进行描述性统计检验、正态性检验、线性检验、经典假设检验、假设检验、R2决定系数检验、F检验，数据处理采用Eviews软件。根据研究结果，部分不良融资变量对净资产收益率有显著影响，通过t检验分析证明了这一点。在可变经营成本上，营业收入部分对净资产收益率有显著影响，这一点通过t检验分析得到了证明。同时，不良融资和营业收入中的营业成本这两个变量共同影响净资产收益率
{"title":"The Effect of Non Performing Financing (NPF) and Operating Expenses of Operating Income (BOPO) on Return on Equity (ROE) on PT. Bank Bri Syariah, Tbk.","authors":"Nofriyanti Nofriyanti, Kamaluddin Ritonga, Sry Lestari, Damri Batubara","doi":"10.24952/jsb.v2i2.4951","DOIUrl":"https://doi.org/10.24952/jsb.v2i2.4951","url":null,"abstract":"The background of this research is the incompatibility of theory with facts. Based on financial report data obtained from PT. Bank BRI Syria, Tbk. The period 2011-2019 tends to fluctuate. Financial ratios that can affect the rise and fall of the Return On Equity variable in this study are seen from the increase and decrease in the Non-Performing Financing variable and the Operating Income Operating Cost variable. The formulation of the problem in this study is whether there is an effect of Non-Performing Financing and Operational Costs of Operating Income on Return On Equity at PT. Bank BRI Syariah, Tbk. 2011-2019 period. This study aims to determine the effect of Non-Performing Financing and Operational Cost of Operating Income on Return On Equity at PT. Bank BRI Syariah, Tbk. Period 2011-2019 partially and simultaneously. This study discusses the financial statements related to the theory of the Non-Performing Financing variable and the Operating Cost of Operational Income variable on the Return On Equity variable. And related to other fields of Islamic banking science. This type of research is quantitative research, the data source used is secondary data through www. BRI Syariah.co.id. The sample of this research is 36 with data analysis used is multiple linear regression, by performing descriptive statistical tests, normality tests, linearity tests, classical assumption tests, hypothesis tests, R2 determination coefficient tests, and F tests, and the data is processed with the help of Software Eviews. Based on the results of the research partially Non-Performing Financing variables have a significant effect on Return On Equity, this is evidenced by the t-test analysis. And on the variable Operating Costs, Operating Income partially has a significant effect on Return On Equity, this is evidenced by the t-test analysis. Then simultaneously the variables of Non-Performing Financing and Operating Costs of Operating Income have a joint effect on Return On Equity","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"26 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-12-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121199277","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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