Pub Date : 2020-02-24DOI: 10.36908/isbank.v5i2.117
Omar Hendro, Diah Isnaini Asiati, Dwi Darma Puspita Sari
This study aims to find out "The Influence of Promotion, Against the Decision on the Use of Digital Services Mediated by Consumer Knowledge and Consumer Confidence in the Babylon Bank of South Sumatra Branch". Problem formulation is a problem that will be answered by the research objectives. This study uses a statistical analysis tool that is multiple linear regression. The results of the calculation, the influence of each construct on the construct; first, Promotion has a positive and significant effect on Consumer Trust. The results of data analysis obtained a t-value of 27,182 with a t-table value of 1,965973. Second, Promotion has a significant effect on Consumer Knowledge. The results of data analysis obtained a t-value of 25.218 with a t-table value of 1.965973. This means that the Promotion variable has a significant effect on the Consumer Knowledge variable. Third, Consumer Trust has a positive and significant effect on Decision of Use. The results of data analysis obtained a t-value of 4.169 with a t-table value of 1.965973. Fourth, Consumer Knowledge has a positive and significant effect on Decision of Use. The results of data analysis obtained a value of t-value of 3.561 with a t-table value of 1.965973. Fifth, Promotion has a positive and significant effect on the Decision of Use. The results of data analysis obtained a t-value of 3.342 with a t-table value of 1.965973. This means that the Promotion variable has a positive and significant effect on the Decision Use variable
{"title":"PENGARUH PROMOSI, TERHADAP KEPUTUSAN PENGGUNAAN LAYANAN DIGITAL DIMEDIASI OLEH PENGETAHUAN KONSUMEN DAN KEPERCAYAAN KONSUMEN DI BANK SUMSEL BABEL CABANG PRABUMULIH","authors":"Omar Hendro, Diah Isnaini Asiati, Dwi Darma Puspita Sari","doi":"10.36908/isbank.v5i2.117","DOIUrl":"https://doi.org/10.36908/isbank.v5i2.117","url":null,"abstract":"This study aims to find out \"The Influence of Promotion, Against the Decision on the Use of Digital Services Mediated by Consumer Knowledge and Consumer Confidence in the Babylon Bank of South Sumatra Branch\". Problem formulation is a problem that will be answered by the research objectives. This study uses a statistical analysis tool that is multiple linear regression. The results of the calculation, the influence of each construct on the construct; first, Promotion has a positive and significant effect on Consumer Trust. The results of data analysis obtained a t-value of 27,182 with a t-table value of 1,965973. Second, Promotion has a significant effect on Consumer Knowledge. The results of data analysis obtained a t-value of 25.218 with a t-table value of 1.965973. This means that the Promotion variable has a significant effect on the Consumer Knowledge variable. Third, Consumer Trust has a positive and significant effect on Decision of Use. The results of data analysis obtained a t-value of 4.169 with a t-table value of 1.965973. Fourth, Consumer Knowledge has a positive and significant effect on Decision of Use. The results of data analysis obtained a value of t-value of 3.561 with a t-table value of 1.965973. Fifth, Promotion has a positive and significant effect on the Decision of Use. The results of data analysis obtained a t-value of 3.342 with a t-table value of 1.965973. This means that the Promotion variable has a positive and significant effect on the Decision Use variable","PeriodicalId":377186,"journal":{"name":"Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-02-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130806009","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}
Pub Date : 2020-02-20DOI: 10.36908/isbank.v5i2.114
Joni Iskandar, M. Najib, Ahmad Yusuf
The Financial Services Authority (OJK) states that one of the root causes of the slow growth in the market share of Islamic banking is due to the weak literacy of Indonesian people towards sharia finance. Based on a 2016 National Literacy and Financial Inclusion survey involving 9,680 research respondents from 34 provinces in 64 cities / districts. shows that the national Islamic financial literacy rate is 8.11 percent. While on the other hand, there has been an increase in internet usage among Indonesian people. The research aims to find out how the AISAS model which consists of Attention, Interest, Search, Action and Share affects the level of literacy of Islamic banking in followers of Islamic banking in Indonesia. Research consists of three stages namely literature study. Then a field study was conducted by distributing questionnaires to 183 respondents. The analysis method used is Structural Equation Modeling (SEM) using AMOS software. The results show that (1) Attention variable has a significant and positive effect on the dependent variable, namely interest. (2) Interest variables have a significant and positive effect on the dependent variable, namely search. (3) The search variable has a significant and positive effect on the dependent variable, namely action. (4) The action variable has a significant and positive effect on the dependent variable, which is share. (5) The search variable has a significant and positive effect on the dependent variable, namely Sharia Banking Literacy. (6) The action variable has a significant and positive effect on the dependent variable, namely Sharia Banking Literacy. (7) The share variable does not have a significant effect even though it has a positive value on the dependent variable, namely Sharia Banking Literacy.
{"title":"ANALISIS PENGARUH MODEL AISAS (ATTENTION, INTEREST, SEARCH, ACTION & SHARE) TERHADAP TINGKAT LITERASI KEUANGAN SYARIAH (STUDI KASUS FOLLOWERS INSTAGRAM PERBANKAN SYARIAH)","authors":"Joni Iskandar, M. Najib, Ahmad Yusuf","doi":"10.36908/isbank.v5i2.114","DOIUrl":"https://doi.org/10.36908/isbank.v5i2.114","url":null,"abstract":"The Financial Services Authority (OJK) states that one of the root causes of the slow growth in the market share of Islamic banking is due to the weak literacy of Indonesian people towards sharia finance. Based on a 2016 National Literacy and Financial Inclusion survey involving 9,680 research respondents from 34 provinces in 64 cities / districts. shows that the national Islamic financial literacy rate is 8.11 percent. While on the other hand, there has been an increase in internet usage among Indonesian people. The research aims to find out how the AISAS model which consists of Attention, Interest, Search, Action and Share affects the level of literacy of Islamic banking in followers of Islamic banking in Indonesia. Research consists of three stages namely literature study. Then a field study was conducted by distributing questionnaires to 183 respondents. The analysis method used is Structural Equation Modeling (SEM) using AMOS software. The results show that (1) Attention variable has a significant and positive effect on the dependent variable, namely interest. (2) Interest variables have a significant and positive effect on the dependent variable, namely search. (3) The search variable has a significant and positive effect on the dependent variable, namely action. (4) The action variable has a significant and positive effect on the dependent variable, which is share. (5) The search variable has a significant and positive effect on the dependent variable, namely Sharia Banking Literacy. (6) The action variable has a significant and positive effect on the dependent variable, namely Sharia Banking Literacy. (7) The share variable does not have a significant effect even though it has a positive value on the dependent variable, namely Sharia Banking Literacy.","PeriodicalId":377186,"journal":{"name":"Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-02-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115954960","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}
Management of a large tourism industry based on sharia economy is one of the breakthroughs that attracts the attention of financial institutions to promote economic growth equally. Economic resources that must be supported by financial institutions to maintain economic equality are the trade, textile, electronics, agriculture and large tourism sectors. With that, without the support of Islamic financial institutions will not be implemented stable and equitable economic growth. The purpose of this research is to support the distribution of Islamic economics to the industrial sector which can create economic growth and maintain the stability of public financial inflation. The research method used by the author uses qualitative methods or literature research studies with the Indonesian Banking system approach to solving Islamic financial problems. The results of this study indicate that the development of the sharia economy to the industry's large tourism potential can be a development in opening access to economic growth and can create an increase in sharia-based economy and can maintain national financial inflation.
{"title":"Pengembangan Ekonomi Syariah terhadap Potensi Pariwisata Besar oleh Bank Indonesia","authors":"Fatimatuz Zuhro","doi":"10.36908/isbank.v5i1.70","DOIUrl":"https://doi.org/10.36908/isbank.v5i1.70","url":null,"abstract":"Management of a large tourism industry based on sharia economy is one of the breakthroughs that attracts the attention of financial institutions to promote economic growth equally. Economic resources that must be supported by financial institutions to maintain economic equality are the trade, textile, electronics, agriculture and large tourism sectors. With that, without the support of Islamic financial institutions will not be implemented stable and equitable economic growth. The purpose of this research is to support the distribution of Islamic economics to the industrial sector which can create economic growth and maintain the stability of public financial inflation. The research method used by the author uses qualitative methods or literature research studies with the Indonesian Banking system approach to solving Islamic financial problems. The results of this study indicate that the development of the sharia economy to the industry's large tourism potential can be a development in opening access to economic growth and can create an increase in sharia-based economy and can maintain national financial inflation. \u0000 ","PeriodicalId":377186,"journal":{"name":"Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah","volume":"33 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-08-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121682063","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 research means to know qualification of human resources in BMT Prima Lubuk Seberuk in an effort increases the performance of the employees. This research used survey method by using qualitative data. The data collection technique which is used is direct interview with related one or informant. This research concluded that the development effort of the human resources quality of BMT Prima Lubuk Seberuk is dominated by the employee who is not syariah based. This thing provided BMT Prima lubuk seberuk to encrease the competence and the integrity of the employees by giving sustainable coaching to all of the employees for developing the competence and the integrity which is syariah based. The effort of developing the competence and the integrity in BMT Prima lubuk seberuk is using management assembling of human resources strategy among the are planning, recruitment process, giving motivation, education process and coaching. The result of the research showed that so far the development effort of human resources which is based on competence and integrity at BMT Prima Lubuk Seberuk went well. Observation result of researcher who found that the assets develompemnt is more and more and the trust phase of the customer at BMT Prima lubuk seberuk is more and more. This thing indicated that in order to fulfill the qualification standard of the employee which is competence and integrity based at BMT Prima Lubuk Seberuk for now is reputed to fulfill the service to the costemer in finances institute whic is syariah based like at BMT Prima.
本研究旨在了解BMT Prima Lubuk Seberuk的人力资源资质，以提高员工的绩效。本研究采用定性调查的方法。使用的数据收集技术是直接采访相关的人或线人。本研究的结论是，BMT Prima Lubuk Seberuk的人力资源素质的发展努力是由非伊斯兰教的员工主导的。这个项目为BMT Prima lubuk seberuk提供了提高员工能力和诚信的机会，通过为所有员工提供可持续的培训来培养他们的能力和诚信，这是基于伊斯兰教的。在BMT Prima lubuk seberuk，开发能力和诚信的努力是在计划、招聘过程、激励、教育过程和指导中使用人力资源战略的管理组合。研究结果表明，到目前为止，BMT Prima Lubuk Seberuk以能力和诚信为基础的人力资源开发工作进展顺利。研究者的观察结果发现，BMT Prima lubuk seberuk的资产开发越来越多，客户的信任阶段越来越多。这件事表明，为了达到BMT Prima员工的资格标准，即能力和诚信，Lubuk Seberuk目前被认为是为金融机构的客户提供服务，而金融机构是伊斯兰教的基础，就像BMT Prima一样。
{"title":"Kualifikasi Sumber Daya Insani Berbasis Kompetensi dan Integritas dalam Akad Murabahah di BMT Prima Lubuk Seberuk Kecamatan Lempuing Kabupaten Ogan Komering Ilir Sumatera Selatan","authors":"Muhammad Isnan","doi":"10.36908/isbank.v5i1.67","DOIUrl":"https://doi.org/10.36908/isbank.v5i1.67","url":null,"abstract":"This research means to know qualification of human resources in BMT Prima Lubuk Seberuk in an effort increases the performance of the employees. This research used survey method by using qualitative data. The data collection technique which is used is direct interview with related one or informant. This research concluded that the development effort of the human resources quality of BMT Prima Lubuk Seberuk is dominated by the employee who is not syariah based. This thing provided BMT Prima lubuk seberuk to encrease the competence and the integrity of the employees by giving sustainable coaching to all of the employees for developing the competence and the integrity which is syariah based. The effort of developing the competence and the integrity in BMT Prima lubuk seberuk is using management assembling of human resources strategy among the are planning, recruitment process, giving motivation, education process and coaching. The result of the research showed that so far the development effort of human resources which is based on competence and integrity at BMT Prima Lubuk Seberuk went well. Observation result of researcher who found that the assets develompemnt is more and more and the trust phase of the customer at BMT Prima lubuk seberuk is more and more. This thing indicated that in order to fulfill the qualification standard of the employee which is competence and integrity based at BMT Prima Lubuk Seberuk for now is reputed to fulfill the service to the costemer in finances institute whic is syariah based like at BMT Prima. \u0000 ","PeriodicalId":377186,"journal":{"name":"Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah","volume":"5 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-08-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125411365","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 perpose of this reseach is to predict the bankcrupty potency from Sharia Mandiri Banking (BSM). The method that used on this paper is modified altman Z score analysis. This research in 2014-2017 periodes. The altman Z score represents by the net working capital to total asset,retaining earning to total asset, earning before interest and tax to total asset, book value equity to book value of debt. The result showed that BSM fit into safe zone in 2014-2017 periods, because the value of z score are 2014 is 6,26, 2015 is 6,2, 2016 is 6,32, 2017 is 6,37. That values bigger than 2,9.
{"title":"Analisis Kebangkrutan pada Bank Syariah Mandiri Periode 2014-2017","authors":"Fadilla Fadilla","doi":"10.36908/isbank.v5i1.68","DOIUrl":"https://doi.org/10.36908/isbank.v5i1.68","url":null,"abstract":"The perpose of this reseach is to predict the bankcrupty potency from Sharia Mandiri Banking (BSM). The method that used on this paper is modified altman Z score analysis. This research in 2014-2017 periodes. The altman Z score represents by the net working capital to total asset,retaining earning to total asset, earning before interest and tax to total asset, book value equity to book value of debt. The result showed that BSM fit into safe zone in 2014-2017 periods, because the value of z score are 2014 is 6,26, 2015 is 6,2, 2016 is 6,32, 2017 is 6,37. That values bigger than 2,9. \u0000 ","PeriodicalId":377186,"journal":{"name":"Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah","volume":"6 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-08-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133528111","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 level of profit sharing provided by Islamic banks is one of the attractions of the public to save funds in Islamic bank products, but the rate of return for Islamic banks is also still attractive in conventional banks. Because still agreeing to conventional bank interest rates makes people still think about Islamic banks the same as conventional banks. Mudharabah BNI Syariah Bank. The population used is the quarterly financial statements of all BNI Syariah banks in 2013-2015. In this study a simple regression analysis using 16.0 software was used, the variable used in this study was income for mudharabah results as an independent variable and Return On Assets (ROA) as the dependent variable. Most of these results show significant results from ROA.
{"title":"Pengaruh Pendapatan Bagi Hasil Deposito Mudharabah Terhadap Roa ( Study Empiris pada Bank BNI Syariah Tahun 2013-2015)","authors":"Widya Rahmadani","doi":"10.36908/isbank.v5i1.69","DOIUrl":"https://doi.org/10.36908/isbank.v5i1.69","url":null,"abstract":"The level of profit sharing provided by Islamic banks is one of the attractions of the public to save funds in Islamic bank products, but the rate of return for Islamic banks is also still attractive in conventional banks. Because still agreeing to conventional bank interest rates makes people still think about Islamic banks the same as conventional banks. Mudharabah BNI Syariah Bank. The population used is the quarterly financial statements of all BNI Syariah banks in 2013-2015. In this study a simple regression analysis using 16.0 software was used, the variable used in this study was income for mudharabah results as an independent variable and Return On Assets (ROA) as the dependent variable. Most of these results show significant results from ROA. \u0000 ","PeriodicalId":377186,"journal":{"name":"Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah","volume":"6 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-08-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126041376","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 research discusses the management of human resources in marketing the products and services of Islamic financial institutions. The results of this study prove that Islamic banks and financial institutions in Indonesia are developing very fast. However, the image of banks and Islamic financial institutions in Indonesia is not good. For this reason, several policies in managing Islamic financial institutions need to be addressed. One of them is the aspect of human resources. An employee of a bank and an Islamic financial institution that is accepted must have a good personality, an expert in muqalah fiqh, knowledge of Islamic financial institutions, computers / IT and so on. They must be people who support strongly to practice Islamic economics in their lives.
{"title":"Pengelolaan Sumber Daya Insani dalam Memasarkan Produk dan Jasa Lembaga Keuangan Syariah","authors":"Melis Melis","doi":"10.36908/isbank.v5i1.65","DOIUrl":"https://doi.org/10.36908/isbank.v5i1.65","url":null,"abstract":"This research discusses the management of human resources in marketing the products and services of Islamic financial institutions. The results of this study prove that Islamic banks and financial institutions in Indonesia are developing very fast. However, the image of banks and Islamic financial institutions in Indonesia is not good. For this reason, several policies in managing Islamic financial institutions need to be addressed. One of them is the aspect of human resources. An employee of a bank and an Islamic financial institution that is accepted must have a good personality, an expert in muqalah fiqh, knowledge of Islamic financial institutions, computers / IT and so on. They must be people who support strongly to practice Islamic economics in their lives. \u0000 ","PeriodicalId":377186,"journal":{"name":"Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah","volume":"102 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-08-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134496479","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 research is to learn how to carry out murabaha financing in Islamic banks and what are the rights and obligations of murabaha financing partners. Murabaha as a form of buying and selling mandate asks sellers and buyers to get to know each other and accept each other's bright buying objects, the agreed price, the desired margin, and the method of payment. Related to the price requested is the cost of goods and the cost of procurement in accordance with the price requested by the bank as the seller. While an explanation of the rights of murabaha financing partners is important it will not happen in the future. Bank Officers are required to be able to refute the theories of sharia contracts contained in the muamalah fiqh to avoid oversight in practice in Islamic banks. Because in reality, the average employee of a sharia bank has no Islamic economic background.
{"title":"Hak-Hak Mitra Pembiayaan Murabahah di Bank Syariah","authors":"Muhammad Iqbal","doi":"10.36908/isbank.v5i1.66","DOIUrl":"https://doi.org/10.36908/isbank.v5i1.66","url":null,"abstract":"The purpose of this research is to learn how to carry out murabaha financing in Islamic banks and what are the rights and obligations of murabaha financing partners. Murabaha as a form of buying and selling mandate asks sellers and buyers to get to know each other and accept each other's bright buying objects, the agreed price, the desired margin, and the method of payment. Related to the price requested is the cost of goods and the cost of procurement in accordance with the price requested by the bank as the seller. While an explanation of the rights of murabaha financing partners is important it will not happen in the future. Bank Officers are required to be able to refute the theories of sharia contracts contained in the muamalah fiqh to avoid oversight in practice in Islamic banks. Because in reality, the average employee of a sharia bank has no Islamic economic background. \u0000 ","PeriodicalId":377186,"journal":{"name":"Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah","volume":"22 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-08-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125822730","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}
Penelitian ini betujuan untuk mengetahui seberapa besar pengaruh pembiayaan modal yang tersedia oleh BMT Surya Barakah terhadap peningkatan pengusaha mikro sebagai klien/nasabah serta hubungan terhadap keseahteraan pengusahan mikro itu sendiri. Data yang digunakan dalampenelitian ini adalah data sekunder yang didapatkan dari proses penyebaran kuesionerserta beberapa proses waancara. Analilsi dilakukan dengan menggunakan metode regresi linier sederhana denganmenggunakan program SPSS. Hasil penelitian ini menunukan bahwa pembiayaan modal berpengaruh positif dan signifikan terhadap peningkatan pendapatan pengusaha mikro serta pembiayaan modal uga berpengaruh positif dan signifikan terhadap keseahteraan pengusaha mikro. Oleh karena itu, untuk meningkatkan lagi pendapatan dan keseahteraan para pengusaha mikro dan lebihberkembangnya BMT Surya Barakah lebih meningkatkan lagi pembiayaan modal yang diberikan dan lebih meningkatkan publikasi agar masyarakat lebih mengenal adanya BMT Surya Barakah.
{"title":"Pengaruh Pembiayaan Modal BMT Surya Barokah Palembang Terhadap Peningkatan Pendapatan dan Kesejahteraan Pengusaha Mikro","authors":"C. Choiriyah, C. Dela","doi":"10.36908/isbank.v4i2.57","DOIUrl":"https://doi.org/10.36908/isbank.v4i2.57","url":null,"abstract":"Penelitian ini betujuan untuk mengetahui seberapa besar pengaruh pembiayaan modal yang tersedia oleh BMT Surya Barakah terhadap peningkatan pengusaha mikro sebagai klien/nasabah serta hubungan terhadap keseahteraan pengusahan mikro itu sendiri. Data yang digunakan dalampenelitian ini adalah data sekunder yang didapatkan dari proses penyebaran kuesionerserta beberapa proses waancara. Analilsi dilakukan dengan menggunakan metode regresi linier sederhana denganmenggunakan program SPSS. Hasil penelitian ini menunukan bahwa pembiayaan modal berpengaruh positif dan signifikan terhadap peningkatan pendapatan pengusaha mikro serta pembiayaan modal uga berpengaruh positif dan signifikan terhadap keseahteraan pengusaha mikro. Oleh karena itu, untuk meningkatkan lagi pendapatan dan keseahteraan para pengusaha mikro dan lebihberkembangnya BMT Surya Barakah lebih meningkatkan lagi pembiayaan modal yang diberikan dan lebih meningkatkan publikasi agar masyarakat lebih mengenal adanya BMT Surya Barakah. \u0000 ","PeriodicalId":377186,"journal":{"name":"Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah","volume":"33 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-02-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133129812","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}
Pesatnya perkembangan perusahaan pada saat ini mendorong setiap perusahaan untuk dapat bersaing secara sehat dan mempertahankan usahanya dengan baik. Semakin suatu perusahaan berkembang maka akan semakin banyak karyawan yang berkualitas agar dapat mengolah sumber daya perusahaan yang ada dengan menggunakan peralatan perusahaan sebagai alat bantu pengolahan. Penempatan karyawan yang tepat sesuai dengan bidangnya sangat mempengaruhi kinerja didalam perusahaan dan mengurangi kesalahan yang tidak diinginkan. Banyaknya karyawan yang berkualitas diharapkan mampu mencapai tujuan utama perusahaan yaitu memperoleh laba yang optimal. Laba yang diperoleh oleh perusahaan dapat menjadikan tolak ukur sejauh mana kemampuan yang telah dicapai perusahaan. Laba yang diperoleh perusahaan diharapkan dapat didistribusikan untuk kelangsungan hidup perusahaan dan mensejahterakan para karyawan dengan memberikan gaji dan upah yang sesuai dengan kinerjanya. Salah satu faktor yang mempengaruhi tingkat keberhasilan suatu perusahaan adalah kinerja karyawan. Kinerja karyawan adalah hasil kerja secara kualitas dan kuantitas yang dicapai oleh seseorang karyawan dalam melaksanakan tugasnya sesuai dengan tanggung jawab yang diberikan kepadanya.
{"title":"Pengaruh kompensasi Terhadap Kinerja Karyawan pada PT. Sri Metriko Utama Widjaja Palembang","authors":"Dita Aryani, Meriyati Meriyati","doi":"10.36908/isbank.v4i2.61","DOIUrl":"https://doi.org/10.36908/isbank.v4i2.61","url":null,"abstract":"Pesatnya perkembangan perusahaan pada saat ini mendorong setiap perusahaan untuk dapat bersaing secara sehat dan mempertahankan usahanya dengan baik. Semakin suatu perusahaan berkembang maka akan semakin banyak karyawan yang berkualitas agar dapat mengolah sumber daya perusahaan yang ada dengan menggunakan peralatan perusahaan sebagai alat bantu pengolahan. Penempatan karyawan yang tepat sesuai dengan bidangnya sangat mempengaruhi kinerja didalam perusahaan dan mengurangi kesalahan yang tidak diinginkan. Banyaknya karyawan yang berkualitas diharapkan mampu mencapai tujuan utama perusahaan yaitu memperoleh laba yang optimal. Laba yang diperoleh oleh perusahaan dapat menjadikan tolak ukur sejauh mana kemampuan yang telah dicapai perusahaan. Laba yang diperoleh perusahaan diharapkan dapat didistribusikan untuk kelangsungan hidup perusahaan dan mensejahterakan para karyawan dengan memberikan gaji dan upah yang sesuai dengan kinerjanya. Salah satu faktor yang mempengaruhi tingkat keberhasilan suatu perusahaan adalah kinerja karyawan. Kinerja karyawan adalah hasil kerja secara kualitas dan kuantitas yang dicapai oleh seseorang karyawan dalam melaksanakan tugasnya sesuai dengan tanggung jawab yang diberikan kepadanya. \u0000 ","PeriodicalId":377186,"journal":{"name":"Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah","volume":"47 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-02-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121755982","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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