Pub Date : 2024-02-27DOI: 10.62159/sembj.v4i3.1186
Reza Riznando, Yopi Yopi, Gandi Agung Pranata
Corporate Social Responsibility or what is often referred to as Corporate Social Responsibility (CSR) is almost implemented by all companies, in this case, the Islamic Banking industry where the company is committed to quality development and community welfare. CSR can be implemented in the form of corporate social activities as stipulated in Law Number 40 of 2007 concerning the implementation of CSR/corporate social responsibility. This research has several objectives, one of which is to find out the forms of CSR (Corporate Social Responsibility) carried out by Islamic banks. In addition, this research also shows the areas that are the focus of the company in the CSR program.
{"title":"Forms of Implementing Corporate Social Responsibility in Indonesian Sharia Banks","authors":"Reza Riznando, Yopi Yopi, Gandi Agung Pranata","doi":"10.62159/sembj.v4i3.1186","DOIUrl":"https://doi.org/10.62159/sembj.v4i3.1186","url":null,"abstract":"Corporate Social Responsibility or what is often referred to as Corporate Social Responsibility (CSR) is almost implemented by all companies, in this case, the Islamic Banking industry where the company is committed to quality development and community welfare. CSR can be implemented in the form of corporate social activities as stipulated in Law Number 40 of 2007 concerning the implementation of CSR/corporate social responsibility. This research has several objectives, one of which is to find out the forms of CSR (Corporate Social Responsibility) carried out by Islamic banks. In addition, this research also shows the areas that are the focus of the company in the CSR program.","PeriodicalId":517331,"journal":{"name":"SEMB-J : Sharia Economic and Management Business Journal","volume":"25 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140424468","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 : 2024-02-21DOI: 10.62159/sembj.v5i1.1201
Olga Mutiara Umi, Romi Adetio Setiawan, Syaifudin Syaifudin
This research aims to comprehend the mechanism of financing for Islamic Home Ownership Credit (Kredit Pemilikan Rumah - KPR), particularly KPR IB Hijrah, and seeks solutions to address financing issues arising through the application of the murabahah contract at Bank Muamalat Bengkulu Kc S. Parman. The research method employed is field research with a qualitative descriptive approach. Data were gathered through observation, interviews, and documentation. The study concludes that the KPR IB Hijrah financing process involves stages such as application submission, fulfillment of requirements, scrutiny of document prerequisites, financing approval, and the execution of the murabahah contract. Customer responses to the financing mechanism indicate a clear understanding of requirements and administrative costs. To address emerging financing problems, the researcher recommends several solutions. Firstly, a direct approach to customers to provide a deeper understanding of the issues they face. Secondly, proactive and periodic debt collection efforts to prevent payment delinquencies. Additionally, issuing warning letters can serve as an initial step in resolving issues. In more complex cases, restructuring of financing is suggested as an alternative solution. Finally, if necessary, collateral execution can be implemented as a last resort in resolving problematic financing.
本研究旨在了解伊斯兰住房所有权信贷（Kredit Pemilikan Rumah - KPR）的融资机制，尤其是 KPR IB Hijrah，并通过在明古鲁 Kc S. Parman Muamalat 银行应用穆拉巴哈合同，寻求解决融资问题的方案。采用的研究方法是定性描述法的实地研究。通过观察、访谈和文献收集数据。研究得出结论，KPR IB Hijrah 融资流程包括提交申请、满足要求、审查文件前提、批准融资和执行穆拉巴哈合同等阶段。客户对融资机制的反应表明，他们对要求和行政成本有清楚的了解。为解决新出现的融资问题，研究人员提出了几种解决方案。首先，直接接触客户，深入了解他们面临的问题。其次，积极主动地定期收债，防止拖欠付款。此外，发出警告信可以作为解决问题的第一步。在较为复杂的情况下，建议将重组融资作为替代解决方案。最后，如有必要，可将抵押品执行作为解决有问题融资的最后手段。
{"title":"IB Hijrah KPR Financing Mechanism with Murabahah Akad at Bank Muamalat","authors":"Olga Mutiara Umi, Romi Adetio Setiawan, Syaifudin Syaifudin","doi":"10.62159/sembj.v5i1.1201","DOIUrl":"https://doi.org/10.62159/sembj.v5i1.1201","url":null,"abstract":"This research aims to comprehend the mechanism of financing for Islamic Home Ownership Credit (Kredit Pemilikan Rumah - KPR), particularly KPR IB Hijrah, and seeks solutions to address financing issues arising through the application of the murabahah contract at Bank Muamalat Bengkulu Kc S. Parman. The research method employed is field research with a qualitative descriptive approach. Data were gathered through observation, interviews, and documentation. The study concludes that the KPR IB Hijrah financing process involves stages such as application submission, fulfillment of requirements, scrutiny of document prerequisites, financing approval, and the execution of the murabahah contract. Customer responses to the financing mechanism indicate a clear understanding of requirements and administrative costs. To address emerging financing problems, the researcher recommends several solutions. Firstly, a direct approach to customers to provide a deeper understanding of the issues they face. Secondly, proactive and periodic debt collection efforts to prevent payment delinquencies. Additionally, issuing warning letters can serve as an initial step in resolving issues. In more complex cases, restructuring of financing is suggested as an alternative solution. Finally, if necessary, collateral execution can be implemented as a last resort in resolving problematic financing.","PeriodicalId":517331,"journal":{"name":"SEMB-J : Sharia Economic and Management Business Journal","volume":"2 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139957824","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 : 2024-02-02DOI: 10.62159/sembj.v5i1.1204
Yuyun Novia Sari, Herlina Yustati, Idwal B
This research was conducted on Baai Island, Malay Village, Bengkulu City. The purpose of this study was to determine the Significance of the Development of the Salted Fish Industry for the Growth of the Community Economy in the Perspective of Islamic Economics. This research is qualitative. Data collection methods through interviews with sellers, workers, and buyers of salted fish in the baai island area. Based on the formulation of the problem in this study, namely: How is the development of the Baai Island salted fish processing industry and how is the impact of the development of the Baai Island salted fish industry on the economy of the community in the perspective of Islamic Economics? The research findings show that the business development carried out is through 2 methods online and in person. The impact of the development of this industry itself is the increased income of the community, the welfare of the Baai Island community, and the fulfilled needs of life.
{"title":"The Significance of the Development of the Salted Fish Industry for Community Economic Growth from an Islamic Economic Perspective (Study on Baai Island, Kampung Melayu, Bengkulu City)","authors":"Yuyun Novia Sari, Herlina Yustati, Idwal B","doi":"10.62159/sembj.v5i1.1204","DOIUrl":"https://doi.org/10.62159/sembj.v5i1.1204","url":null,"abstract":"This research was conducted on Baai Island, Malay Village, Bengkulu City. The purpose of this study was to determine the Significance of the Development of the Salted Fish Industry for the Growth of the Community Economy in the Perspective of Islamic Economics. This research is qualitative. Data collection methods through interviews with sellers, workers, and buyers of salted fish in the baai island area. Based on the formulation of the problem in this study, namely: How is the development of the Baai Island salted fish processing industry and how is the impact of the development of the Baai Island salted fish industry on the economy of the community in the perspective of Islamic Economics? The research findings show that the business development carried out is through 2 methods online and in person. The impact of the development of this industry itself is the increased income of the community, the welfare of the Baai Island community, and the fulfilled needs of life.","PeriodicalId":517331,"journal":{"name":"SEMB-J : Sharia Economic and Management Business Journal","volume":"46 10","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-02-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139896526","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 : 2024-01-26DOI: 10.62159/sembj.v4i2.1050
Yelpi Hertina
The aim of this research is first, to find out the influence of the Tokopedia brand ambassador among Bengkulu Kpopers. Second, find out buyers' interest in the Tokopedia application. This research is associative quantitative research, namely research that explains the influence of Brand Ambassadors on Tokopedia buyer interest in terms of Islamic Economic consumption theory. Based on the research results, it was concluded that the influence of Brand Ambassadors on Tokopedia buyer interest was reviewed from the Islamic Economics consumption theory. The results of hypothesis testing obtained a significance figure of 0.063. This shows that there is a significant relationship in this hypothesis test because the significance number is > 0.05 so that Ha which states that the use of Brand Ambassador has a positive effect on the interest of Tokopedia buyers in terms of Islamic economic consumption theory is accepted and H0 is rejected, meaning there is no influence on the use of the Brand. Ambassador (X) regarding the interest of Tokopedia buyers in terms of Islamic economic consumption theory (Y).
{"title":"The Influence of Brand Ambassadors on Tokopedia Buyer Interest in View from the Islamic Economic Consumption Theory","authors":"Yelpi Hertina","doi":"10.62159/sembj.v4i2.1050","DOIUrl":"https://doi.org/10.62159/sembj.v4i2.1050","url":null,"abstract":"The aim of this research is first, to find out the influence of the Tokopedia brand ambassador among Bengkulu Kpopers. Second, find out buyers' interest in the Tokopedia application. This research is associative quantitative research, namely research that explains the influence of Brand Ambassadors on Tokopedia buyer interest in terms of Islamic Economic consumption theory. Based on the research results, it was concluded that the influence of Brand Ambassadors on Tokopedia buyer interest was reviewed from the Islamic Economics consumption theory. The results of hypothesis testing obtained a significance figure of 0.063. This shows that there is a significant relationship in this hypothesis test because the significance number is > 0.05 so that Ha which states that the use of Brand Ambassador has a positive effect on the interest of Tokopedia buyers in terms of Islamic economic consumption theory is accepted and H0 is rejected, meaning there is no influence on the use of the Brand. Ambassador (X) regarding the interest of Tokopedia buyers in terms of Islamic economic consumption theory (Y).","PeriodicalId":517331,"journal":{"name":"SEMB-J : Sharia Economic and Management Business Journal","volume":"118 4","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-01-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140493849","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 : 2024-01-26DOI: 10.62159/sembj.v4i2.1120
Sherly Wahyunita Sari, Dini Putri Pebrianti, Agung Threy Wahyu, Herlina Yustati
The purpose of this study was to determine and measure the impact of the level of financial literacy on the investment choices of students. This study is qualitative descriptive or describes the results of interviews into valid data, data collected based on the results of observation, questionnaires, and direct interviews with students of the faculty of economics and islamic business, uin fatmawati sokarno bengkulu. The results of this study indicate that financial literacy has a significant impact on student investment decisions. The higher the financial literacy possessed by students, the better the investment decisions that will be taken by students.
{"title":"The Role of Financial Literacy on Student Investment Choices","authors":"Sherly Wahyunita Sari, Dini Putri Pebrianti, Agung Threy Wahyu, Herlina Yustati","doi":"10.62159/sembj.v4i2.1120","DOIUrl":"https://doi.org/10.62159/sembj.v4i2.1120","url":null,"abstract":"The purpose of this study was to determine and measure the impact of the level of financial literacy on the investment choices of students. This study is qualitative descriptive or describes the results of interviews into valid data, data collected based on the results of observation, questionnaires, and direct interviews with students of the faculty of economics and islamic business, uin fatmawati sokarno bengkulu. The results of this study indicate that financial literacy has a significant impact on student investment decisions. The higher the financial literacy possessed by students, the better the investment decisions that will be taken by students.","PeriodicalId":517331,"journal":{"name":"SEMB-J : Sharia Economic and Management Business Journal","volume":"12 5","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-01-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140494557","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 : 2024-01-25DOI: 10.62159/sembj.v5i1.1192
Nana Aprina, Desi Isnaini, Faisal Muttaqin
The purpose of this research is to determine the differences in consumer perceptions of service quality, namely: the direct evidence dimension (tangibles), the reliability dimension, the responsiveness dimension, the assurance dimension, and the empathy dimension in the traditional market "Panorama ” and the Modern Market “Hypermart”. To test this, researchers used quantitative methods with primary data collection techniques in the form of questionnaires distributed to 200 respondents. The data analysis technique used is an independent sample t-test using the SPSS version 25 program. From the results of the research and discussion, it was found that differences in consumer perceptions of service are found in the dimension of attention (empathy) with a significance value (sig-2-tailed) of 0.003 for the empathy variable. at a significance level of 5% this value is significant because the significance is 0.003 > 0.05 and for the dimensions of tangibles, reliability, responsiveness, and assurance there is no difference in perception because the significance value is greater than 0.05. With this research, it is known that there are differences in perceptions in the empathy dimension and it is hoped that this can become a benchmark for improving service performance.
{"title":"Analysis of Differences in Consumer Perceptions of Service Quality from an Islamic Perspective (Study of Panorama Traditional Markets and Hypermart Modern Markets)","authors":"Nana Aprina, Desi Isnaini, Faisal Muttaqin","doi":"10.62159/sembj.v5i1.1192","DOIUrl":"https://doi.org/10.62159/sembj.v5i1.1192","url":null,"abstract":"The purpose of this research is to determine the differences in consumer perceptions of service quality, namely: the direct evidence dimension (tangibles), the reliability dimension, the responsiveness dimension, the assurance dimension, and the empathy dimension in the traditional market \"Panorama ” and the Modern Market “Hypermart”. To test this, researchers used quantitative methods with primary data collection techniques in the form of questionnaires distributed to 200 respondents. The data analysis technique used is an independent sample t-test using the SPSS version 25 program. From the results of the research and discussion, it was found that differences in consumer perceptions of service are found in the dimension of attention (empathy) with a significance value (sig-2-tailed) of 0.003 for the empathy variable. at a significance level of 5% this value is significant because the significance is 0.003 > 0.05 and for the dimensions of tangibles, reliability, responsiveness, and assurance there is no difference in perception because the significance value is greater than 0.05. With this research, it is known that there are differences in perceptions in the empathy dimension and it is hoped that this can become a benchmark for improving service performance.","PeriodicalId":517331,"journal":{"name":"SEMB-J : Sharia Economic and Management Business Journal","volume":"14 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-01-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140495655","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 : 2024-01-25DOI: 10.62159/sembj.v5i1.1207
Titi Nur Wahidah, Asnaini Asnaini, M. Makmur
The purpose of this research is to find out how the application of the contract that has been running in Penago II Village, Ilir Talo Subdistrict, Seluma Regency and to find out the application of the mudharabah contract on the profit sharing of raising cattle in Penago II Village, Ilir Talo Subdistrict, Seluma Regency. This research uses a qualitative descriptive approach. Informants in the study were 8 people. Data collection techniques using observation, interviews, and documentation. Data analysis techniques use data reduction, data presentation and conclusion drawing. From the results of the research and discussion, it is concluded that the application of the contract that occurred in Penago II Village uses agreements and profit sharing, capital, profit sharing, risks and continuation of the contract if one of the parties dies, influencing factors, various types of cows that are in the field, and the time period. the agreement is only done verbally only trust each other in making this agreement, the profit sharing system in the mudharabah contract carried out between the owner and the manager in Penago II Village. With the division of the ratio divided 60:40. This occurs by agreement between the two parties. If in the process of this contract there is a loss, it will be borne by both parties, as long as the mistake is not due to the negligence of the manager. The profit sharing carried out by the people of Penago II Village is in accordance with the concept of mudharabah in Islamic Economics, namely, capital, management, collateral, time period and profit ratio to the manager. So that the profit sharing carried out by the people of Penago II Village is going well.
本研究的目的是了解在塞卢马行政区伊利尔塔洛分区佩纳戈二世村实施的合同的应用情况，并了解塞卢马行政区伊利尔塔洛分区佩纳戈二世村在养牛利润分配方面实施的穆德哈拉巴合同的应用情况。本研究采用定性描述法。调查对象为 8 人。数据收集技术包括观察、访谈和记录。数据分析技术包括数据还原、数据展示和结论得出。从研究和讨论的结果中得出的结论是，在 Penago II 村发生的合同应用中使用了协议和利润分享、资本、利润分享、风险和合同的延续（如果其中一方死亡）、影响因素、田间的各种类型的奶牛以及时间期限。协议仅以口头形式签订，在签订协议时彼此信任，在 Penago II 村的所有者和管理者之间执行的 mudharabah 合同中的利润分享制度。分成比例为 60:40。这需要双方同意。如果在签订合同的过程中出现损失，只要不是由于管理者的疏忽造成的，损失将由双方共同承担。佩纳戈二村村民进行的利润分配符合伊斯兰经济学中的 "mudharabah "概念，即资本、管理、抵押、期限和管理者的利润比例。因此，佩纳戈二村村民的利润分配进展顺利。
{"title":"Application of the Mudharabah Agreement in the Profit Sharing System for Raising Cattle (Study in Penago II Village, Ilir Talo District, Seluma Regency)","authors":"Titi Nur Wahidah, Asnaini Asnaini, M. Makmur","doi":"10.62159/sembj.v5i1.1207","DOIUrl":"https://doi.org/10.62159/sembj.v5i1.1207","url":null,"abstract":"The purpose of this research is to find out how the application of the contract that has been running in Penago II Village, Ilir Talo Subdistrict, Seluma Regency and to find out the application of the mudharabah contract on the profit sharing of raising cattle in Penago II Village, Ilir Talo Subdistrict, Seluma Regency. This research uses a qualitative descriptive approach. Informants in the study were 8 people. Data collection techniques using observation, interviews, and documentation. Data analysis techniques use data reduction, data presentation and conclusion drawing. From the results of the research and discussion, it is concluded that the application of the contract that occurred in Penago II Village uses agreements and profit sharing, capital, profit sharing, risks and continuation of the contract if one of the parties dies, influencing factors, various types of cows that are in the field, and the time period. the agreement is only done verbally only trust each other in making this agreement, the profit sharing system in the mudharabah contract carried out between the owner and the manager in Penago II Village. With the division of the ratio divided 60:40. This occurs by agreement between the two parties. If in the process of this contract there is a loss, it will be borne by both parties, as long as the mistake is not due to the negligence of the manager. The profit sharing carried out by the people of Penago II Village is in accordance with the concept of mudharabah in Islamic Economics, namely, capital, management, collateral, time period and profit ratio to the manager. So that the profit sharing carried out by the people of Penago II Village is going well.","PeriodicalId":517331,"journal":{"name":"SEMB-J : Sharia Economic and Management Business Journal","volume":"226 2","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-01-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140495395","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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