Muhammad Mansur, J. Junaidi, Masyhuri Machfudz, Nahdhiyatul Kamilah
The purpose of this study was to provide assistance to creative finance economic actors (MSMEs) and intervention of snacks production management by paying attention to halalan-thoyibah with all the attributes. The research method is participatory action research (PAR). The results of the study showed that (i) stimulant funds given to the target group took place 3 times. The application of the qordhu hasan model transaction formed appropriate technology named QH-9Kj, namely qordhu hasan on seven agreements : the number of group members, the number of loans, the number of returns, the number of groups, the amount of return time (for example per week), the amount of savings based on profit obtained, the amount of withdrawal of savings, the number of loans for the next round and the agreement on the amount of money filling voluntarily without being determined and (ii) the intervention of halal production and good by conducting counseling; the result is 89% satisfaction and carry out with a halal and thoyib production.
{"title":"DAMPAK STIMULAN DANA PINJAMAN BERGULIR TERHADAP PERTUMBUHAN EKONOMI PADA PELAKU EKONOMI KREATIF (USAHA MIKRO KECIL DAN MENENGAH, UMKM)","authors":"Muhammad Mansur, J. Junaidi, Masyhuri Machfudz, Nahdhiyatul Kamilah","doi":"10.18860/IQ.V14I2.5624","DOIUrl":"https://doi.org/10.18860/IQ.V14I2.5624","url":null,"abstract":"The purpose of this study was to provide assistance to creative finance economic actors (MSMEs) and intervention of snacks production management by paying attention to halalan-thoyibah with all the attributes. The research method is participatory action research (PAR). The results of the study showed that (i) stimulant funds given to the target group took place 3 times. The application of the qordhu hasan model transaction formed appropriate technology named QH-9Kj, namely qordhu hasan on seven agreements : the number of group members, the number of loans, the number of returns, the number of groups, the amount of return time (for example per week), the amount of savings based on profit obtained, the amount of withdrawal of savings, the number of loans for the next round and the agreement on the amount of money filling voluntarily without being determined and (ii) the intervention of halal production and good by conducting counseling; the result is 89% satisfaction and carry out with a halal and thoyib production.","PeriodicalId":56245,"journal":{"name":"Iqtishoduna Jurnal Ekonomi Islam","volume":"28 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-10-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"85856408","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}
ABSTRACTShariah marketing is a strategic business discipline that directs the process of creating, offering and changing the value of an initiator to its stakeholders, which in its entirety conforms to the covenants and principles of muamalah (business) in Islam. This study aims to find out how the implementation of sharia ethics marketer at bank BRISyariah KCP Kepanjen.This research uses a qualitative descriptive approach where the goal is to describe systematically about the focus of research. The limitations in this study examine the principles of sharia ethics of marketer. Subjects in this study there are five informants. Data were collected by direct observation, interview, and documentation. The data analysis used are data reduction, data presentation and conclusion drawing with triangulation method as a validity test.The result of this research shows that Bank BRISyariah KCP Kepanjen has implemented 9 sharia ethics of marketers consist of have a spiritual personality, behave kindly and sympathetically (shiddiq), be fair in business (al-'adl), serving and humble (khidmah), keeping promises and not cheating, honest and trustworthy (al-amanah), do not like to suspect (su'uzh-zhan), do not like to vilify (ghibah), and do not do bribes (riswah).
{"title":"IMPLEMENTASI ETIKA SYARIAH MARKETER PADA PT. BANK BRISYARIAH KANTOR CABANG PEMBANTU KEPANJEN","authors":"M. Fariz, Y. Rahayu","doi":"10.18860/IQ.V14I2.4939","DOIUrl":"https://doi.org/10.18860/IQ.V14I2.4939","url":null,"abstract":"ABSTRACTShariah marketing is a strategic business discipline that directs the process of creating, offering and changing the value of an initiator to its stakeholders, which in its entirety conforms to the covenants and principles of muamalah (business) in Islam. This study aims to find out how the implementation of sharia ethics marketer at bank BRISyariah KCP Kepanjen.This research uses a qualitative descriptive approach where the goal is to describe systematically about the focus of research. The limitations in this study examine the principles of sharia ethics of marketer. Subjects in this study there are five informants. Data were collected by direct observation, interview, and documentation. The data analysis used are data reduction, data presentation and conclusion drawing with triangulation method as a validity test.The result of this research shows that Bank BRISyariah KCP Kepanjen has implemented 9 sharia ethics of marketers consist of have a spiritual personality, behave kindly and sympathetically (shiddiq), be fair in business (al-'adl), serving and humble (khidmah), keeping promises and not cheating, honest and trustworthy (al-amanah), do not like to suspect (su'uzh-zhan), do not like to vilify (ghibah), and do not do bribes (riswah).","PeriodicalId":56245,"journal":{"name":"Iqtishoduna Jurnal Ekonomi Islam","volume":"81 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-10-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"86941556","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 aimed of this study is to examine the influence of operational efficiency and Non-Performing Financing of The Shariah Bank toward profitability. This study uses secondary data obtained from the annual report contained in Bank Indonesia. The sample in this study used 8 sharia commercial banks registered in Bank Indonesia in 2012-2016. Samples were chosen using purposive sampling methods. The hypothesis was tested using multiple regression. The first hypothesis was used to examine the influence of operational efficiency to profitability. The second hypothesis was used to examine the influence of Non-Performance Financing to profitability. The third hypothesis was used to examine the influence of Operational Efficiency and Non Performance Financing to profitability. The result of the research shows that operational efficiency has an effect on profitability. But operational efficiency has not an effect on profitability. Simultaneously operational efficiency and Non-Performance Financing have an effect on profitability.
{"title":"KETERKAITAN EFISIENSI OPERASIONAL DAN PEMBIAYAAN BERMASALAH DALAM MEMPENGARUHI PROFITABILITAS BANK UMUM SYARIAH","authors":"Nugrahini Kusumawati, Anik Setianingsih","doi":"10.18860/IQ.V14I2.5595","DOIUrl":"https://doi.org/10.18860/IQ.V14I2.5595","url":null,"abstract":"The aimed of this study is to examine the influence of operational efficiency and Non-Performing Financing of The Shariah Bank toward profitability. This study uses secondary data obtained from the annual report contained in Bank Indonesia. The sample in this study used 8 sharia commercial banks registered in Bank Indonesia in 2012-2016. Samples were chosen using purposive sampling methods. The hypothesis was tested using multiple regression. The first hypothesis was used to examine the influence of operational efficiency to profitability. The second hypothesis was used to examine the influence of Non-Performance Financing to profitability. The third hypothesis was used to examine the influence of Operational Efficiency and Non Performance Financing to profitability. The result of the research shows that operational efficiency has an effect on profitability. But operational efficiency has not an effect on profitability. Simultaneously operational efficiency and Non-Performance Financing have an effect on profitability.","PeriodicalId":56245,"journal":{"name":"Iqtishoduna Jurnal Ekonomi Islam","volume":"33 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-10-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"86064158","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}
Abstract: The objectives of this research to analize the influence risk management is as proxy of Capital Adequacy Ratio (CAR), Operation Efficiency (BOPO), Non Performing Loan (NPL), to Financial Performance is as proxy of Return on Asset (ROA) Banking Firms wich listed on BEI in 2011 until 2016 periods. This research using time series data from Bank Indonesia’s published financial reports Banking Firms wich listed on BEI in 2002 until 2007 periods. After passed the purposive sampling phase, the number of valid sample is 5 Banking Firms wich listed on BEJ. The result of this research shows that CAR and NPL variables has a negative and unsignificant influence to ROA. BOPO variable also has a significant influence to ROA, the distinction between BOPO than another variables is the sign of variable coefficient, it has negative coefficient. It’s mean that the bank managements should be concern on the BOPO variable to improve profitability on their Financial Performance. Disintermediary functions of bank that occurs in the research periods is the reason for unsignificant CAR and NPL variable to ROA variable wich is as a proxy of Financial Performance Banking Firms.
{"title":"PENGARUH MANAJEMEN RISIKO TERHADAP KINERJA KEUANGAN (STUDY PADA PERBANKAN SYARIAH YANG TERDAFTAR DI BEI)","authors":"M. Mardiana","doi":"10.18860/IQ.V14I2.4940","DOIUrl":"https://doi.org/10.18860/IQ.V14I2.4940","url":null,"abstract":"Abstract: The objectives of this research to analize the influence risk management is as proxy of Capital Adequacy Ratio (CAR), Operation Efficiency (BOPO), Non Performing Loan (NPL), to Financial Performance is as proxy of Return on Asset (ROA) Banking Firms wich listed on BEI in 2011 until 2016 periods. This research using time series data from Bank Indonesia’s published financial reports Banking Firms wich listed on BEI in 2002 until 2007 periods. After passed the purposive sampling phase, the number of valid sample is 5 Banking Firms wich listed on BEJ. The result of this research shows that CAR and NPL variables has a negative and unsignificant influence to ROA. BOPO variable also has a significant influence to ROA, the distinction between BOPO than another variables is the sign of variable coefficient, it has negative coefficient. It’s mean that the bank managements should be concern on the BOPO variable to improve profitability on their Financial Performance. Disintermediary functions of bank that occurs in the research periods is the reason for unsignificant CAR and NPL variable to ROA variable wich is as a proxy of Financial Performance Banking Firms.","PeriodicalId":56245,"journal":{"name":"Iqtishoduna Jurnal Ekonomi Islam","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-10-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"76573314","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 development and dynamics of marketing of banking services products help to grow the variables that facilitate the influence of word of mouth against the decision to save. One of it is the brand equity that is a set of assets that is associated with a brand that adds or reduces the value of the company in the views of customers. The purposes of the research are to determine the influence of word of mouth against the decision to save through Brand Equity on the customer of Syariah BRI Bank of Malang. The research used a quantitative approach with survey method. The population of the research was all customers of Savings at Syariah BRI Bank of Malang. Sampling technique used accidental sampling with the number of respondents as much as 100 respondents. The dependent variable in the research was Savings Decision (Y), and the independent variable was Word of Mouth (X), with Brand Equity (M) as the mediation variable. Data analysis technique used Path Analysis. The research results indicated that the dimensions of word of mouth are Talkers, Topics, Taking Part and Tracking that directly influence against brand equity, and one dimension of word of mouth of tools have no effect against brand equity. Brand Equity directly influences the decision to save, all dimensions of word of mouth directly influence the decision to save, and Brand Equity can mediate the indirect influence of word of mouth against the savings decision
{"title":"ANALISIS PENGARUH WORD OF MOUTH TERHADAP KEPUTUSAN NASABAH UNTUK MENABUNG DENGAN BRAND EQUITY SEBAGAI VARIABEL MEDIASI","authors":"Zakiah Intan Fenanda","doi":"10.18860/IQ.V14I2.4961","DOIUrl":"https://doi.org/10.18860/IQ.V14I2.4961","url":null,"abstract":"The development and dynamics of marketing of banking services products help to grow the variables that facilitate the influence of word of mouth against the decision to save. One of it is the brand equity that is a set of assets that is associated with a brand that adds or reduces the value of the company in the views of customers. The purposes of the research are to determine the influence of word of mouth against the decision to save through Brand Equity on the customer of Syariah BRI Bank of Malang. The research used a quantitative approach with survey method. The population of the research was all customers of Savings at Syariah BRI Bank of Malang. Sampling technique used accidental sampling with the number of respondents as much as 100 respondents. The dependent variable in the research was Savings Decision (Y), and the independent variable was Word of Mouth (X), with Brand Equity (M) as the mediation variable. Data analysis technique used Path Analysis. The research results indicated that the dimensions of word of mouth are Talkers, Topics, Taking Part and Tracking that directly influence against brand equity, and one dimension of word of mouth of tools have no effect against brand equity. Brand Equity directly influences the decision to save, all dimensions of word of mouth directly influence the decision to save, and Brand Equity can mediate the indirect influence of word of mouth against the savings decision","PeriodicalId":56245,"journal":{"name":"Iqtishoduna Jurnal Ekonomi Islam","volume":"93 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-01-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"80426405","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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