Intan Septiana Nazara, Anton Hindardjo, A. Hermawan
Factors Affecting Performance in the Management of Productive Zakat During the Covid-19 Pandemic: Case Study of BAZNAS in Labuhan Batu Regency, Islamic Banking Study Program, SEBI Islamic Economics College, 2022. This study aims to establish a good result in measuring the factors that influence the performance of productive zakat management during the Covid-19 pandemic at the BAZNAS Institute of Labuhan Batu Regency. The type of research used is quantitative research with data analysis techniques using SMART Partial Least Square (PLS) and the data collection process is carried out through questionnaires. Respondents in the study were mustahik who received the benefits of productive zakat. The results of all data analysis indicate that the effectiveness factor has no significant effect on the performance of productive zakat, while the pattern of distribution and assistance has a positive and significant effect on the performance of productive zakat.
{"title":"Factors Affecting the Performance of Productive Zakat Management During the Covid-19 Pandemic","authors":"Intan Septiana Nazara, Anton Hindardjo, A. Hermawan","doi":"10.46899/jeps.v10i2.367","DOIUrl":"https://doi.org/10.46899/jeps.v10i2.367","url":null,"abstract":"Factors Affecting Performance in the Management of Productive Zakat During the Covid-19 Pandemic: Case Study of BAZNAS in Labuhan Batu Regency, Islamic Banking Study Program, SEBI Islamic Economics College, 2022. This study aims to establish a good result in measuring the factors that influence the performance of productive zakat management during the Covid-19 pandemic at the BAZNAS Institute of Labuhan Batu Regency. The type of research used is quantitative research with data analysis techniques using SMART Partial Least Square (PLS) and the data collection process is carried out through questionnaires. Respondents in the study were mustahik who received the benefits of productive zakat. The results of all data analysis indicate that the effectiveness factor has no significant effect on the performance of productive zakat, while the pattern of distribution and assistance has a positive and significant effect on the performance of productive zakat.","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":"37 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-10-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"77361812","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 examine: 1) the impact of marketplace orientation on client pleasure. 2) The impact of the carrier is great on patron pride. 3) the effect of marketplace orientation on customer loyalty. 4) the impact of provider satisfaction on patron loyalty. 5) the effect of consumer satisfaction on patron loyalty. 6) the effect of marketplace orientation on consumer loyalty via customer pleasure. 7) service great towards purchaser loyalty via client satisfaction. The sample of this examination is a hundred and seventy respondents; records series use on-line-survey. The evaluation approach used is Structural Equation Modeling with AMOS. The result is: 1) market orientation has a tremendous and sizable impact on purchaser satisfaction. 2) service best has a superb giant impact on client pleasure. 3) marketplace orientation has a trifling impact on customer loyalty. 4) carrier pleasantness has a tremendous-tremendous effect on consumer loyalty. 5) Customer delight has a superb-large effect on client loyalty. 6) marketplace orientation has an effective and extensive effect on consumer loyalty via purchaser satisfaction. 7) service satisfaction affects loyalty via patron pleasure. improve market orientation so that patron loyalty is stated through consumer satisfaction. further, enhance marketplace orientation through customer satisfaction to offer improved constancy to customers.
{"title":"Customer Satisfaction, Customer Loyalty, and Market Orientation Through Service Quality: a case study of Islamic Banking in Indonesia","authors":"Rizkya Yunita Anggraini, M. Fasa, S. Suharto","doi":"10.46899/jeps.v10i2.372","DOIUrl":"https://doi.org/10.46899/jeps.v10i2.372","url":null,"abstract":"This study aims to examine: 1) the impact of marketplace orientation on client pleasure. 2) The impact of the carrier is great on patron pride. 3) the effect of marketplace orientation on customer loyalty. 4) the impact of provider satisfaction on patron loyalty. 5) the effect of consumer satisfaction on patron loyalty. 6) the effect of marketplace orientation on consumer loyalty via customer pleasure. 7) service great towards purchaser loyalty via client satisfaction. The sample of this examination is a hundred and seventy respondents; records series use on-line-survey. The evaluation approach used is Structural Equation Modeling with AMOS. The result is: 1) market orientation has a tremendous and sizable impact on purchaser satisfaction. 2) service best has a superb giant impact on client pleasure. 3) marketplace orientation has a trifling impact on customer loyalty. 4) carrier pleasantness has a tremendous-tremendous effect on consumer loyalty. 5) Customer delight has a superb-large effect on client loyalty. 6) marketplace orientation has an effective and extensive effect on consumer loyalty via purchaser satisfaction. 7) service satisfaction affects loyalty via patron pleasure. improve market orientation so that patron loyalty is stated through consumer satisfaction. further, enhance marketplace orientation through customer satisfaction to offer improved constancy to customers.","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":"26 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-10-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"79842863","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 : 2022-10-01DOI: 10.18326/muqtasid.v13i1.31-46
Sofyan Rizal, Nur Adibah
This study analyzes the effect of Islamic economic instruments, such as zakat, SBSN, and Islamic Venture Capital (MVS), on Indonesia's economic growth. GDP measures economic growth, while the zakat variable is proxied by the distribution carried out by BAZNAS. Furthermore, MVS and SBSN are measured by total sharia business financing, and total ownership of State Sukuk issued during the study period. This study uses multiple linear models to analyze the impact of Islamic venture capital, ZIS, and SBSN regression from 2011 – 2020. The multiple regression tests were used to partially or simultaneously determine the effect of ZIS funds delivery, Sukuk (SBSN), and Islamic venture capital financing on Indonesia's economic growth. The results showed that the distribution of ZIS partially significantly affects economic growth. The SBSN and Venture Capital variables also have a significant and positive effect. Simultaneously, ZIS distribution and Sharia financing, namely SBSN and Islamic Venture Capital, significantly affected economic growth. This result implies that an increase in Islamic capital financing, SBSN, and distribution of ZIS funds can positively encourage Indonesia's economic growth.
{"title":"An Evaluation of the Impact of Zakah and Islamic Financial Instruments on Economic Growth","authors":"Sofyan Rizal, Nur Adibah","doi":"10.18326/muqtasid.v13i1.31-46","DOIUrl":"https://doi.org/10.18326/muqtasid.v13i1.31-46","url":null,"abstract":"This study analyzes the effect of Islamic economic instruments, such as zakat, SBSN, and Islamic Venture Capital (MVS), on Indonesia's economic growth. GDP measures economic growth, while the zakat variable is proxied by the distribution carried out by BAZNAS. Furthermore, MVS and SBSN are measured by total sharia business financing, and total ownership of State Sukuk issued during the study period. This study uses multiple linear models to analyze the impact of Islamic venture capital, ZIS, and SBSN regression from 2011 – 2020. The multiple regression tests were used to partially or simultaneously determine the effect of ZIS funds delivery, Sukuk (SBSN), and Islamic venture capital financing on Indonesia's economic growth. The results showed that the distribution of ZIS partially significantly affects economic growth. The SBSN and Venture Capital variables also have a significant and positive effect. Simultaneously, ZIS distribution and Sharia financing, namely SBSN and Islamic Venture Capital, significantly affected economic growth. This result implies that an increase in Islamic capital financing, SBSN, and distribution of ZIS funds can positively encourage Indonesia's economic growth.","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-10-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46767626","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 : 2022-10-01DOI: 10.18326/muqtasid.v13i1.77-94
Auliana Yuwannita, R. Mulyany, H. Fahlevi
This study aims to assess the determinants of Non-Performing Financing (NPF), particularly in the Islamic Commercial Banks (ICBs) setting. It seeks to test the effect of financing to deposit ratio (FDR), capital adequacy ratio (CAR), and return ratio (RR) on NPF at the ICBs in Indonesia and Malaysia, being the largest Islamic financial hubs in SoutheastAsian region. The whole population were 13 ICBs in Indonesia and 16 ICBs in Malaysia for the observation period from 2014 to 2018, resulting in 142 observations. The period was selected to avoid the effect of COVID-19 pandemic towards the variables tested in this study. This study uses multiple linear analyses of panel data to analyze the data collected. It was found that FDR, CAR, and RR, respectively, have an impact on the level of NPF. At the country-specific level, for ICBs in Indonesia, FDR was found to have a positive effect on the NPF level, while CAR and RR have a negative effect on NPF. Meanwhile for ICBs in Malaysia, all independent variables, namely FDR, CAR, and RR have a positive effect on the NPF level. The slightly variation in the findings may be attributed to the different regulatory settings in the two countries which may need further evidence. The findings of this study imply that NPF determinants may have different influence in two neighboring countries despite they seem to share many similar regional characteristics. The findings also suggest that to maintain low level of NPF the ICB may need to focus on the attributes of FDR, CAR and RR.
{"title":"What Causes Non-Performance Financing? Insights From Islamic Commercial Banks in Indonesia and Malaysia","authors":"Auliana Yuwannita, R. Mulyany, H. Fahlevi","doi":"10.18326/muqtasid.v13i1.77-94","DOIUrl":"https://doi.org/10.18326/muqtasid.v13i1.77-94","url":null,"abstract":"This study aims to assess the determinants of Non-Performing Financing (NPF), particularly in the Islamic Commercial Banks (ICBs) setting. It seeks to test the effect of financing to deposit ratio (FDR), capital adequacy ratio (CAR), and return ratio (RR) on NPF at the ICBs in Indonesia and Malaysia, being the largest Islamic financial hubs in SoutheastAsian region. The whole population were 13 ICBs in Indonesia and 16 ICBs in Malaysia for the observation period from 2014 to 2018, resulting in 142 observations. The period was selected to avoid the effect of COVID-19 pandemic towards the variables tested in this study. This study uses multiple linear analyses of panel data to analyze the data collected. It was found that FDR, CAR, and RR, respectively, have an impact on the level of NPF. At the country-specific level, for ICBs in Indonesia, FDR was found to have a positive effect on the NPF level, while CAR and RR have a negative effect on NPF. Meanwhile for ICBs in Malaysia, all independent variables, namely FDR, CAR, and RR have a positive effect on the NPF level. The slightly variation in the findings may be attributed to the different regulatory settings in the two countries which may need further evidence. The findings of this study imply that NPF determinants may have different influence in two neighboring countries despite they seem to share many similar regional characteristics. The findings also suggest that to maintain low level of NPF the ICB may need to focus on the attributes of FDR, CAR and RR.","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-10-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"67602216","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 : 2022-10-01DOI: 10.18326/muqtasid.v13i1.47-62
A. Kafabih, Darwanto Darwanto, D. Gojali
This study examined the impact of Islamic monetary and conventional transmissions on Indonesia's exchange rate performance. The Islamic monetary transmissions are musyarakah financing (proxied by the ratio of musyarakah to a total loan of conventional banks) and corporate sukuk (asset price), while the conventional transmission is the interbank interest rate (INTERB). Furthermore, this paper also incorporated gold price (GP) (asset price transmission) as a control variable. This study used monthly data from February 2011 to September 2021. By using the ARDL Bound Test, the long run results showed that the performance of Islamic monetary transmission through musyarakah financing has more effect of exchanging rate than INTERB. Therefore, Bank Indonesia should focus on musyarakah financing as its monetary transmission instead of INTERB. In the short run, corporate sukuk and musyarakah financing impact the exchange rate (10% and 1% significant level, respectively), while INTERB and GP can affect the exchange rate with lag (second month onward for each).
{"title":"Islamic Versus Conventional Monetary Transmission: Which One Is Better Affecting Exchange Rate?","authors":"A. Kafabih, Darwanto Darwanto, D. Gojali","doi":"10.18326/muqtasid.v13i1.47-62","DOIUrl":"https://doi.org/10.18326/muqtasid.v13i1.47-62","url":null,"abstract":"This study examined the impact of Islamic monetary and conventional transmissions on Indonesia's exchange rate performance. The Islamic monetary transmissions are musyarakah financing (proxied by the ratio of musyarakah to a total loan of conventional banks) and corporate sukuk (asset price), while the conventional transmission is the interbank interest rate (INTERB). Furthermore, this paper also incorporated gold price (GP) (asset price transmission) as a control variable. This study used monthly data from February 2011 to September 2021. By using the ARDL Bound Test, the long run results showed that the performance of Islamic monetary transmission through musyarakah financing has more effect of exchanging rate than INTERB. Therefore, Bank Indonesia should focus on musyarakah financing as its monetary transmission instead of INTERB. In the short run, corporate sukuk and musyarakah financing impact the exchange rate (10% and 1% significant level, respectively), while INTERB and GP can affect the exchange rate with lag (second month onward for each).","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-10-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45507784","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 : 2022-10-01DOI: 10.18326/muqtasid.v13i1.63-76
Mardhiyaturrositaningsih Mardhiyaturrositaningsih
Islamic Rural Banks have a priority scale in the real sector, which is solely dependent on economic conditions. Admittedly, the Covid-19 pandemic caused serious economic instability and Central Java is one of the regions in Indonesia most affected by the phenomenon. Therefore, this study aims to determine the impact of the Covid-19 pandemic on the financial performance of Islamic Rural Banks in Central Java using a descriptive quantitative approach. Based on purposive sampling, 23 Islamic Rural Banks in Central Java were selected as the research sample. The results of this study show that the Islamic Rural Bank in Central Java had very healthy capital and liquidity and this was determined by the quality of assets owned by the bank. However, it was observed that the profitability state of OER was not healthy while that of ROA was quite healthy. This proves that the Covid-19 pandemic caused a significant decrease in the various bank's ability to generate profits. To successfully face the potential risk of losing during events such as the Covid-19 pandemic, adequate capital is needed in the bank's reserve.The Islamic Rural Banks are more careful in terms of asset management to maintain the bank's healthy condition, therefore, they store adequate funds in their reserves to help them combat problems similar problems like this one. The practical implication of this research is that it will be useful for banking management, policy makers and users of banking services. Lastly, this research provides information that can be used by regulators in formulating appropriate policies to minimize the adverse effects of Covid-19.
{"title":"The Impact of The Covid-19 Pandemic on The Financial Performance of Islamic Rural Banks in Central Java","authors":"Mardhiyaturrositaningsih Mardhiyaturrositaningsih","doi":"10.18326/muqtasid.v13i1.63-76","DOIUrl":"https://doi.org/10.18326/muqtasid.v13i1.63-76","url":null,"abstract":"Islamic Rural Banks have a priority scale in the real sector, which is solely dependent on economic conditions. Admittedly, the Covid-19 pandemic caused serious economic instability and Central Java is one of the regions in Indonesia most affected by the phenomenon. Therefore, this study aims to determine the impact of the Covid-19 pandemic on the financial performance of Islamic Rural Banks in Central Java using a descriptive quantitative approach. Based on purposive sampling, 23 Islamic Rural Banks in Central Java were selected as the research sample. The results of this study show that the Islamic Rural Bank in Central Java had very healthy capital and liquidity and this was determined by the quality of assets owned by the bank. However, it was observed that the profitability state of OER was not healthy while that of ROA was quite healthy. This proves that the Covid-19 pandemic caused a significant decrease in the various bank's ability to generate profits. To successfully face the potential risk of losing during events such as the Covid-19 pandemic, adequate capital is needed in the bank's reserve.The Islamic Rural Banks are more careful in terms of asset management to maintain the bank's healthy condition, therefore, they store adequate funds in their reserves to help them combat problems similar problems like this one. The practical implication of this research is that it will be useful for banking management, policy makers and users of banking services. Lastly, this research provides information that can be used by regulators in formulating appropriate policies to minimize the adverse effects of Covid-19.","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-10-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46038746","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 : 2022-10-01DOI: 10.18326/muqtasid.v13i1.1-17
Achmad Soediro, Media Kusumawardani, M. Farhan
This study aimed to explore legitimacy strategies in Islamic financial institutions andunderstand the process and reason for their shifting over time. A reflective approach was used towards literature data sources and a thematic analysis of interview results. Islamic Banking and financial institutions were seeking a legitimacy strategy by adopting sharia compliance to distinguish them from conventional banks. This study examined the development of Indonesia's Islamic banking and assessed responses from participants with an Islamic banking background. The results showed that the legitimacy strategy of Islamic banking changes over time. Initially, it used labeling, but the stakeholders' pressures and demands have led Islamic banking to change its strategy. It has moved through integrating financial and non-financial performance to a sharia compliance strategy. This study contributes to understanding Islamic banking's legitimacy strategy that has developed over time. Additionally, it helps develop a better legitimacy strategy in line with the future philosophical and ideological basis of Islamicbanking.
{"title":"Genealogical Study on the Legitimacy Strategies in the Islamic Banking","authors":"Achmad Soediro, Media Kusumawardani, M. Farhan","doi":"10.18326/muqtasid.v13i1.1-17","DOIUrl":"https://doi.org/10.18326/muqtasid.v13i1.1-17","url":null,"abstract":"This study aimed to explore legitimacy strategies in Islamic financial institutions andunderstand the process and reason for their shifting over time. A reflective approach was used towards literature data sources and a thematic analysis of interview results. Islamic Banking and financial institutions were seeking a legitimacy strategy by adopting sharia compliance to distinguish them from conventional banks. This study examined the development of Indonesia's Islamic banking and assessed responses from participants with an Islamic banking background. The results showed that the legitimacy strategy of Islamic banking changes over time. Initially, it used labeling, but the stakeholders' pressures and demands have led Islamic banking to change its strategy. It has moved through integrating financial and non-financial performance to a sharia compliance strategy. This study contributes to understanding Islamic banking's legitimacy strategy that has developed over time. Additionally, it helps develop a better legitimacy strategy in line with the future philosophical and ideological basis of Islamicbanking. ","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-10-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46336789","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 : 2022-10-01DOI: 10.18326/muqtasid.v13i1.18-30
R. Hanafi, Abdul Rohman, Sutapa Sutapa
This study investigates the resilience of Islamic banks during the Covid-19 pandemic using indicators of financial and sharia performance. The sample consists of 13 out of 14 Islamic banks registered with the financial services authority (OJK). One sample was excluded due to incomplete annual report data. The data assembled ranged from 2018, two years before Covid-19 until 2020 during the pandemic. Furthermore, the mean difference test was carried out on financial and sharia performance by comparing data before and during Covid-19. The results showed that during the pandemic, the financial performance proxied by capital adequacy ratio, non-performing financing, and financing to deposit ratio was higher, while profitability showed a decrease. Meanwhile, sharia performance, which reflects sharia principles and social values increased. Both performances were not significantly different when the data before and during the pandemic was compared. Therefore, Islamic banks show resilience when a crisis, specifically Covid-19 occurs.
{"title":"Islamic Bank Resilience: Financial and Sharia Performance During Covid-19 Pandemic in Indonesia","authors":"R. Hanafi, Abdul Rohman, Sutapa Sutapa","doi":"10.18326/muqtasid.v13i1.18-30","DOIUrl":"https://doi.org/10.18326/muqtasid.v13i1.18-30","url":null,"abstract":"This study investigates the resilience of Islamic banks during the Covid-19 pandemic using indicators of financial and sharia performance. The sample consists of 13 out of 14 Islamic banks registered with the financial services authority (OJK). One sample was excluded due to incomplete annual report data. The data assembled ranged from 2018, two years before Covid-19 until 2020 during the pandemic. Furthermore, the mean difference test was carried out on financial and sharia performance by comparing data before and during Covid-19. The results showed that during the pandemic, the financial performance proxied by capital adequacy ratio, non-performing financing, and financing to deposit ratio was higher, while profitability showed a decrease. Meanwhile, sharia performance, which reflects sharia principles and social values increased. Both performances were not significantly different when the data before and during the pandemic was compared. Therefore, Islamic banks show resilience when a crisis, specifically Covid-19 occurs.","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-10-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46155728","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 : 2022-09-12DOI: 10.51311/istikhlaf.v4i2.501
Armita Sari, Busriadi, Prengki Ade Candra
Penelitian ini bertujuan untuk Untuk mengetahui Persepsi Mahasiswa Fakultas Ekonomi dan Bisnis Islam IAI Yasni Bungo Terhadap Perbankan Syariah setelah menjadi nasabah Bank Syariah. Pendekatan dalam penelitian ini adalah pendekatan penelitian kualitatif deskriptif, yang mana penelitian ini berusaha untuk mengunpulkan fakta-fakta yang ada dan menggambarkan serta mengungkapkan suatu masalah dan keadaan yang sesuai dengan kejadian di lapangan Berdasarkan hasil penelitian Persepsi Mahasiswa Fakultas Ekonomi dan Bisnis Islam IAI Yasni Bungo yang sudah menjadi nasabah Bank Syariah dan sudah memahami perbankan syariah memiliki kesadaran yang cukup tinggi sedangkan Persepsi Mahasiswa Fakultas Ekonomi dan Bisnis Islam IAI Yasni Bungo yang belum menjadi nasabah Bank Syariah dan belum begitu memahami perbankan syariah disebabkan karena terbatasnya informasi yang dimiliki oleh mahasiswa dan kurangnya praktek langsung mata kuliah perbankan syariah yang menyebabkan mahasiswa kesulitan untuk mendeskripsikan tentang bank syariah.
{"title":"Analisis Persepsi Mahasiswa Fakultas Ekonomi dan Bisnis Islam IAI Yasni Bungo Terhadap Perbankan Syariah","authors":"Armita Sari, Busriadi, Prengki Ade Candra","doi":"10.51311/istikhlaf.v4i2.501","DOIUrl":"https://doi.org/10.51311/istikhlaf.v4i2.501","url":null,"abstract":"Penelitian ini bertujuan untuk Untuk mengetahui Persepsi Mahasiswa Fakultas Ekonomi dan Bisnis Islam IAI Yasni Bungo Terhadap Perbankan Syariah setelah menjadi nasabah Bank Syariah. Pendekatan dalam penelitian ini adalah pendekatan penelitian kualitatif deskriptif, yang mana penelitian ini berusaha untuk mengunpulkan fakta-fakta yang ada dan menggambarkan serta mengungkapkan suatu masalah dan keadaan yang sesuai dengan kejadian di lapangan Berdasarkan hasil penelitian Persepsi Mahasiswa Fakultas Ekonomi dan Bisnis Islam IAI Yasni Bungo yang sudah menjadi nasabah Bank Syariah dan sudah memahami perbankan syariah memiliki kesadaran yang cukup tinggi sedangkan Persepsi Mahasiswa Fakultas Ekonomi dan Bisnis Islam IAI Yasni Bungo yang belum menjadi nasabah Bank Syariah dan belum begitu memahami perbankan syariah disebabkan karena terbatasnya informasi yang dimiliki oleh mahasiswa dan kurangnya praktek langsung mata kuliah perbankan syariah yang menyebabkan mahasiswa kesulitan untuk mendeskripsikan tentang bank syariah.","PeriodicalId":55776,"journal":{"name":"Muqtasid Jurnal Ekonomi dan Perbankan Syariah","volume":"112 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-09-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"79693818","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 : 2022-09-12DOI: 10.51311/istikhlaf.v4i2.503
Ferawati, Ujang Ruhyat Syamsoni
Penelitian ini bertujuan untuk untuk mengetahui mengetahui bagaimana pelaksanaan manajemen promosi yang dilakukan oleh D’besto cabang Dharmasraya dan mengetahui bagaimana tinjauan manajemen syari’ah terhadap pelaksanaan manajemen promosi yang dilakukan oleh D’besto cabang Dharmasraya. Jenis penelitian ini bersifat kualitatif deskriptif. Penulisan ini menggunakan penelitian lapangan (field research), yaitu dengan cara terjun langsung ke lokasi penelitian. Teknik pengumpulan data dengan observasi, wawancara, dan dokumentasi. Adapun data dari penelitian ini terdiri dari data primer dan data sekunder yang kemudian dinalisisi dengan metode analisa deskripsif kualitatif. Hasil penelitian yang diperoleh di lapangan dapat disimpulkan bahwa Pelaksanaan manajemen promosi yang dilakukan oleh D’besto cabang Dharmasraya adalah dengan melalui bauran promosi yang terdiri dari: pertama, advertising (periklanan) menggunakan brosur, billboard (papan iklan), dan packaging (pengemasan). Kedua, Public relations (hubungan masyarakat) melalui radio dan media sosial facebook, instagram dan twitter. Ketiga, Sales promotions (promosi penjualan) dengan cara memberikan potongan harga (discount) untuk menu makanan dan minuman tertentu kepada konsumen pada waktu-waktu tertentu, seperti hari raya idul fitri atau ramadhan. Tinjauan manajemen syari’ah terhadap pelaksanaan manajemen promosi yang dilakukan oleh D’besto cabang Dharmasraya sudah sesuai dengan prinsip-prinsip manajemen syari’ah dengan memenuhi sembilah poin yaitu: Taqwa, Shidq (jujur), Al-‘Adl (adil), Khidmah (pelayanan yang baik), tepat janji, Al-Amanah (dapat dipercaya), Khusnudz Dzann (berbaik sangka), sportif/fair dan tidak ada risywah (suap).
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