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Analisis Keputusan Nasabah Menggunakan Layanan E-Banking Pada Bank Syariah Indonesia Di Kota Langsa
Pub Date : 2022-04-30 DOI: 10.32505/j-ebis.v7i1.4058
Muhammad Dayyan, Nurjanah, Uci Dinda Ayu Bestari
This research aims to analyze e-banking services at Bank Syariah Indonesia, factors that affect customers using e-banking,  and the obstacles faced by customers using e-banking. The method used is qualitative descriptive, with 13 respondents. The results showed that Digital services at Bank Syariah Indonesia there are 20 services, where often used by Bank Syariah Indonesia customers are ATMs and mobile banking. Then the factors that affect customers using e-banking are quality, individual factors, social factors, and promotions, while the obstacles experienced by customers are the customer's ability about the use of technology and networks that must be appropriate for the provider.
本研究旨在分析印尼伊斯兰银行的电子银行服务、影响客户使用电子银行的因素以及客户使用电子银行面临的障碍。所使用的方法是定性描述性的,有13名受访者。结果显示,印尼伊斯兰银行的数字服务有20项服务,其中印尼伊斯兰银行客户经常使用的是ATM和手机银行。然后,影响客户使用电子银行的因素是质量、个人因素、社会因素和促销,而客户遇到的障碍是客户使用技术和网络的能力,这些技术和网络必须适合提供商。
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引用次数: 2
Customer preference analysis in using cash recycle machine service at Bank Syariah Indonesia 印尼伊斯兰银行使用现金回收机服务的客户偏好分析
Pub Date : 2022-04-30 DOI: 10.32505/j-ebis.v7i1.4061
Nanda Safarida, Fahriansah, Novi Zikrillah
This study aims to analyze the level of preference of Bank Syariah Indonesia customers in using cash deposit services through the Cash Recycle Machine (CRM). This is a qualitative research with qualitative data in the form of ordinal data collected through questionnaires and compiled using a semantic differential scale with 10 predetermined attributes. The sample in this study was 100 customers of Bank Syariah Indonesia Langsa City Branch which was determined through accidental sampling technique. The research method used is the Kendall's concordance method processed with SPSS. The results of the research through the Kendall's test obtained the Kendall's value of 0.33 and the X2 value of 29.531. While the value of X2table0.05;9 is 16.918. This means that there is a relevancy of the respondent's answer preferences related to the 10 attributes used in the questionnaire. Meanwhile, 9 of 10 attributes, namely decision, distance, time period, time for deposit cash, technology, level of practicality, smooth access, durability of deposit proof, and level of risk, have a preference that tends to be positive and be taken into consideration for customers to deposit their cash through the CRM service. Except for the attribute which is related to the level of security where the average respondent agrees that it is not really be taken into customer consideration in making cash deposits through CRM service.
本研究旨在分析印尼银行客户通过现金回收机(CRM)使用现金存款服务的偏好水平。这是一项定性研究,定性数据以顺序数据的形式通过问卷收集,并使用具有10个预定属性的语义差异量表进行编制。本研究的样本为印尼印尼银行浪沙市分行的100名客户,该样本是通过意外抽样技术确定的。所采用的研究方法是用SPSS处理的肯德尔一致性方法。通过Kendall检验的研究结果获得了0.33的Kendall值和29.531的X2值。而X2table0.05的值;9是16.918。这意味着受访者的回答偏好与问卷中使用的10个属性相关。同时,10个属性中的9个,即决策、距离、时间段、存款时间、技术、实用性水平、顺利访问、存款证明的耐久性和风险水平,都倾向于积极的偏好,并考虑到客户通过CRM服务存款。除了与安全级别相关的属性外,普通受访者同意在通过CRM服务进行现金存款时没有真正将其考虑在内。
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引用次数: 0
Distribution of Zakat as a Solution Of Proverty Alleviation in Langsa City 天课的分配是朗沙市扶贫的一个解决方案
Pub Date : 2022-04-30 DOI: 10.32505/j-ebis.v7i1.4056
Agustinar Agustinar, Laila Mufida Laila Mufida, Siti Mu’allimah Siti Mu’allimah
The focus of this research was the implementation of distribution of zakat as a solution of poverty alleviation in Langsa City. The problem in this research was, first, how was the concept of distribution in the Islamic Economic System? Second, how was the implementation of distribution of zakat in the Islamic Economic System in alleviating poverty? The purpose of this research was to describe the concept of distribution in the Islamic Economic System, and to analyze the implementation of distribution of zakat in the Islamic Economic System in alleviating poverty. The type of this research was a qualitative research by using descriptive analysis. It was a field research. The objects of this research were the poor people in Langsa City and the Baitul Mal Langsa. Based on the results and the analysis of discussion, it can be concluded that zakat had been distributed evenly. Therefore, zakat in Langsa City should be distributed with a larger budget and a wider scope, so that the benefits desired by Islam can be achieved and Langsa becomes one of the cities of baldatun thayyibatun wa rabbun ghafur in this beloved country of Indonesia.  
本研究的重点是在郎萨市实施天课分配作为扶贫的解决方案。这项研究的问题是,首先,分配的概念在伊斯兰经济体系中是如何的?第二,在伊斯兰经济体系中,天课分配在减轻贫困方面的实施情况如何?本研究的目的是描述伊斯兰经济体系中的分配概念,并分析伊斯兰经济体系中排课分配在减轻贫困方面的实施情况。本研究采用描述性分析法进行定性研究。这是一项实地调查。本研究的对象是郎萨市的贫困人口和白图勒马尔郎萨人。根据讨论结果和分析,可以得出天课分布均匀的结论。因此,郎萨市的天课应该以更大的预算和更广泛的范围进行分配,这样才能实现伊斯兰教所期望的利益,郎萨将成为印尼这个深受爱戴的国家的巴尔达通·塔伊巴通·瓦·拉布本·加富尔的城市之一。
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引用次数: 0
Risk Management Dalam Meningkatkan Profitabilitas Di BMT Tanjung 在BMT挑战中提高盈利能力的风险管理
Pub Date : 2022-04-30 DOI: 10.32505/j-ebis.v7i1.3881
Lailatus Saadah, Moh. Saiful Syuib, M.E
Risk management in increasing profitability at BMT Tanjung. This research is based on the effectiveness of risk management to increase the profitability of BMT Tanjung in 2 periods. The number of risks in service products certainly makes BMT Tanjung have a risk management strategy that does not have a bad impact on profits. The purpose of this research is to find out how the risk management strategy of Tanjung BMT and whether it is efficient or not in increasing profitability. The research method used descriptive qualitative methods, data collection techniques conducted interviews, observations, and documentation. The research analysis used descriptive qualitative analysis. Based on the research results, BMT Tanjung's risk management strategy starts from applying for financing, evaluating the 5C of financing, conducting a survey to the customer's residence, if there is a non-performing loan, the customer will be given a choice according to the contract. It can be concluded that after the financial statement data of Tanjung BMT was examined using the profitability ratios of GPM, NPM, ROA, and ROE, it was found that the risk management strategy of Tanjung BMT was considered effective in increasing profitability.  
BMT Tanjung提高盈利能力的风险管理。本研究基于风险管理在两个时期内提高BMT Tanjung盈利能力的有效性。服务产品中的风险数量无疑使BMT Tanjung拥有一种不会对利润产生不良影响的风险管理策略。本研究的目的是了解丹绒BMT的风险管理策略是如何提高盈利能力的,以及它是否有效。研究方法采用描述性定性方法、数据收集技术、访谈、观察和文献资料。研究分析采用描述性定性分析。根据研究结果,BMT Tanjung的风险管理策略从申请融资、评估融资的5C、对客户住所进行调查开始,如果存在不良贷款,客户将根据合同进行选择。可以得出的结论是,在使用GPM、NPM、ROA和ROE的盈利能力比率对丹绒BMT的财务报表数据进行检验后,发现丹绒BMT的风险管理策略被认为是提高盈利能力的有效策略。
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引用次数: 0
Digitalization Of Baitul Maal Wa Tamwil: How Does Survival In Covid-19 Pandemic? Baitul Maal Wa Tamwil的数字化:如何在Covid-19大流行中生存?
Pub Date : 2022-04-29 DOI: 10.32505/j-ebis.v7i1.3644
M Fauzi, Ahmad Darussalam
Covid-19 pandemic, economic activities have limitations and obstacles, including BMT trying and finding out scheme alternatives to survive in providing services. This study aims to find out the efforts of BMT to survive the Covid-19 pandemic.This study used a literature review with a descriptive approach and triangulation analysis techniques. The results showed characteristics of BMT in middle society still exist even in times of crisis. The level of public confidence in BMT providing alternative financing. Government policies have a focus on saving Islamic financial institutions. The BMT development policies prioritize liquidity, monitor DPK liquidity, and control lending or financing. This is an effort for BMT to survive in supporting liquidity, relaxation, and social safety nets. Also a task force for handling the impact of Covid-19 in the Islamic microfinance sector, guaranteeing deposits for microfinance institutions, effective supervision and reporting, and a digital business ecosystem through the human touch and technology. Thus, BMT's efforts survive by digital business application and information technology, government support, and management internalization.
新冠肺炎大流行,经济活动存在局限性和障碍,包括BMT尝试并寻找在提供服务中生存的方案替代方案。本研究旨在了解BMT在新冠肺炎大流行中的生存努力。本研究采用描述性方法和三角分析技术进行文献综述。结果表明,即使在危机时期,中产阶级BMT的特征仍然存在。公众对BMT提供替代融资的信心程度。政府政策的重点是拯救伊斯兰金融机构。BMT发展政策优先考虑流动性,监控DPK流动性,并控制贷款或融资。这是BMT在支持流动性、放松和社会安全网方面生存的努力。还成立了一个工作组,负责处理新冠肺炎对伊斯兰小额信贷部门的影响,为小额信贷机构的存款提供担保,有效监督和报告,并通过人类接触和技术建立数字商业生态系统。因此,BMT的努力通过数字业务应用和信息技术、政府支持和管理内部化得以生存。
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引用次数: 0
Analisis Kualitas Produk Scooter Matic Ditinjau Dari Sisi Konsumen Muslimah 穆斯林消费者对Matic滑板车产品质量评价的分析
Pub Date : 2022-04-29 DOI: 10.32505/j-ebis.v7i1.3998
Lola Malihah
This research aims to analyze the quality of scooter matic products of various types and brands from the muslimah consumer side. This twisting is a field sharpener with a descriptive quantitative approach.  In this study, a survey of 150 Muslim women consumers was conducted.  The results of this study show that the dominant motor vehicle brands used are Honda Scoopy, Honda Beat, and Honda Vario.  As many as 82% of santriwati and students in Yayasan Darussalam Martapura who are required to wear clothes in accordance with sharia principles in the form of long and wide robes or long-handed shirts combined with wide long skirts claim to have experienced long clothes or dresses worn.  when driving damaged because it was scorched by the exhaust.  This is due to the exhaust of scooter matic vehicles that are open so that they can easily burn clothes while driving. Therefore, it is expected that there will be attention and consideration of this complaint in order to make the latest breakthrough in the development of scooter matic products.
本研究旨在从穆斯林消费者的角度分析各种类型和品牌的踏板车产品的质量。这种扭曲是一种具有描述性定量方法的领域磨刀器。本研究对150名穆斯林女性消费者进行了调查。本研究结果显示,使用的主要汽车品牌是本田Scoopy,本田Beat和本田Vario。在达鲁萨兰邦马塔普拉,根据伊斯兰教法要求穿长袍或长手衬衫搭配宽长裙的santriwati和学生中,多达82%的人声称经历过穿长裙或连衣裙。开车时损坏是因为它被排气烧焦了。这是由于小型摩托车的排气是敞开的,因此在行驶过程中很容易烧到衣服。因此,希望对此投诉予以重视和考虑,以便在滑板车产品的发展上取得最新的突破。
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引用次数: 2
Determinan Generasi Z Menerapkan Gaya Hidup Halal Di Kota Padangsidimpuan Z代决定论将清真的生活方式应用于padangsidi镇
Pub Date : 2022-04-29 DOI: 10.32505/j-ebis.v7i1.3761
Muhammad Ikhsan Harahap, Nurul Izzah, Muhammad Ridwan
Indonesia's great potential in developing the halal industry has not been optimally utilized. This can be seen from the low output of the halal industry, halal certificates that have not been applied globally and low halal awareness. This study aims to determine the factors that influence Generation Z in Padangdidimpuan City to adopt a halal lifestyle. This research is a quantitative research using primary data. The research sample is Generation Z in Padangsidimpuan City as many as 200 respondents. Data analysis was performed using Smart PLS. The results of the study show that experience and family influence Generation Z in implementing a halal lifestyle in Padangsidimpuan City. Meanwhile, perception, culture and demographics do not affect Generation Z in implementing a halal lifestyle. Generation Z with families who instill Islamic values ​​tend to adopt a halal lifestyle that is in accordance with Islamic teachings. A good understanding of the benefits of a halal lifestyle will motivate Generation Z to adopt a halal lifestyle.
印尼在发展清真产业方面的巨大潜力并没有得到最佳利用。这可以从清真行业的低产量、尚未在全球范围内应用的清真证书以及低清真意识中看出。本研究旨在确定影响巴东迪普潘市Z世代采用清真生活方式的因素。本研究是利用原始数据进行的定量研究。研究样本是巴东四丁盘市的Z世代,多达200名受访者。使用Smart PLS进行数据分析。研究结果表明,经历和家庭影响Z世代在巴东寺丁盘市实施清真生活方式。同时,认知、文化和人口统计不会影响Z世代实施清真生活方式。Z世代与灌输伊斯兰价值观的家庭​​倾向于采用符合伊斯兰教义的清真生活方式。充分了解清真生活方式的好处将激励Z世代采用清真生活方式。
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引用次数: 0
Analisis Kinerja Keuangan BUMdes Di Kota Banda Aceh 分析班达亚齐市的财务表现
Pub Date : 2022-04-29 DOI: 10.32505/j-ebis.v7i1.4015
Nurma Sari, Linda, Raida Fuadi
This study aims to analyze the effect of working capital, transparency accountability, community participation, and environmental turbulence on the financial performance of Village Owned Enterprises (BUMDes). The data used are primary data by distributing questionnaires to respondents consisting of 54 people. The sampling technique used a probability sample with simple random sampling. The research data was then processed using multiple regression analysis techniques aimed at knowing and analyzing the effect of exogenous variables either partially or simultaneously on endogenous variables. The results show that working capital, accountability, transparency, community participation, and turbulence together have a significant effect on financial performance, but not partially, there are only three of the five independent variables that have a significant positive effect on the financial performance of BUMDes, namely working capital, accountability and environmental turbulence with parameter coefficient values ​​that are not yet high. For this reason, it is necessary for BUMDes to provide open information in order to attract public interest to participate as well as support and evaluation from relevant agencies so that the performance of BUMDes is better.
本研究旨在分析流动资金、透明度问责制、社区参与和环境动荡对村办企业财务绩效的影响。所使用的数据是通过向由54人组成的受访者分发问卷获得的初步数据。抽样技术使用了简单随机抽样的概率抽样。然后使用多元回归分析技术对研究数据进行处理,旨在了解和分析外生变量部分或同时对内生变量的影响。结果表明,营运资本、问责制、透明度、社区参与和动荡共同对BUMDes的财务绩效产生显著影响,但并非部分,五个自变量中只有三个对BUMDe的财务绩效有显著的正向影响,即营运资本、,具有参数系数值的问责制与环境动荡​​这还不算高。因此,BUMD有必要提供公开的信息,以吸引公众参与,并得到相关机构的支持和评估,从而使BUMD的绩效更好。
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引用次数: 2
Pemetaan Penelitian Akad Mudharabah Pada Lembaga Keuangan Syariah: Studi Bibliometrik Vosviewer Dan Literature Review 伊斯兰金融机构阿卡德·穆达拉巴的研究地图:Vosviewer书目研究和文学评论
Pub Date : 2022-04-29 DOI: 10.32505/j-ebis.v7i1.3895
Eka Wahyu Hestya Budianto
This study aims to determine the map of the development of research regarding Mudharabah contracts at Islamic Financial Institutions with a VOSviewer bibliometric study and literature review. The research was conducted over a period of 21 years from 2001 to 2021 by searching through the Garuda website (Digital Reference Garba) with the keyword Mudharabah/Mudharabah. And obtained 857 research articles. The search results were then analyzed descriptively, inputted, analyzed using VOSViewer and literature review to determine the visualization of topic developments and research around the Mudharabah contract. The results showed that the number of publications regarding Mudharabah contracts has increased significantly every year. Then, based on the results of research visualization using VOSviewer, the Mudharabah contract is divided into 8 clusters. Based on the results of the literature review, there are 8 main themes and 435 research topics regarding Mudharabah contracts at Islamic Financial Institutions.
本研究旨在通过VOSviewer文献计量研究和文献综述,确定伊斯兰金融机构Mudharabah合同研究的发展地图。这项研究从2001年到2021年,历时21年,在Garuda网站(数字参考Garba)上搜索关键词Mudharabah/Mudharaba。并获得857篇研究文章。然后对搜索结果进行描述性分析、输入、使用VOSViewer和文献综述进行分析,以确定围绕Mudharabah合同的主题发展和研究的可视化。结果显示,有关Mudharabah合同的出版物数量每年都在显著增加。然后,基于使用VOSviewer的研究可视化结果,将Mudharabah合同划分为8个集群。根据文献综述的结果,伊斯兰金融机构的Mudharabah合同共有8个主题和435个研究主题。
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引用次数: 4
Analisis Efektivitas Bantuan Orphan Kafala Baitulmal Muamalat Terhadap Pembangunan Sosial Ekonomi Anak Yatim di Aceh 亚齐孤儿救助言语文字言语面对社会经济发展的效率分析
Pub Date : 2022-04-28 DOI: 10.32505/j-ebis.v7i1.3900
Anis Kurlillah
Aqad kafala is one of the popular forms of aqad in the empowerment of orphans being implemented today. This aqad has been implemented by OIC and IDB in the empowerment of orphans affected by conflict and tsunami in Aceh. The implementation of Aqad kafala is in the form of guaranteeing the fulfillment of the daily social and economic needs of orphans. The distribution of aid is carried out by cooperating with local NGOs, namely Baitulmal Muamalat, Rumah Zakat, and PKPU. This assistance has been started since 2006 until the end of 2022 with the number of orphans reaching 4100 orphans. The objective of this study is to analyze the effectiveness of the distribution of Orphan Kafala-OIC Alliance Aid to the development of the social and economic life of Aceh orphans. This study is using a qualitative research method. The data has been collected from the orphans who are being under the responsibility of Baitulmal Muamalat Indonesia. The data collection technique was through a questionnaire study. The results of this study showed that the kafala assistance given to the orphans in Aceh has provided a positive effect although not significant for the social and economic development of orphan families in Aceh.
阿卡德卡法拉是目前正在实施的阿卡德赋予孤儿权力的一种流行形式。伊斯兰会议组织和美洲开发银行在亚齐省为受冲突和海啸影响的孤儿赋权方面实施了这一aqad。Aqad kafala的实施形式是保证满足孤儿的日常社会和经济需要。分发援助物资是通过与当地非政府组织合作进行的,这些非政府组织包括Baitulmal Muamalat、Rumah Zakat和PKPU。这项援助从2006年开始,到2022年底,孤儿人数达到4100名。本研究的目的是分析孤儿卡法拉-伊斯兰会议组织联盟援助的分配对亚齐孤儿社会经济生活发展的有效性。本研究采用定性研究方法。这些数据是从印度尼西亚Baitulmal Muamalat负责的孤儿那里收集的。数据收集方法是通过问卷调查。本研究结果表明,亚齐省孤儿卡法拉援助对亚齐省孤儿家庭的社会经济发展产生了积极的影响,但影响并不显著。
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引用次数: 0
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JEBIS Jurnal Ekonomi dan Bisnis Islam
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