Journal An-Nisbah: Jurnal Ekonomi Syariah

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Udik Jatmiko, Beby Hilda Agustin
An-Nisbah: Jurnal Ekonomi Syariah, Volume 4; doi:10.21274/an.2018.4.2.99-126

Abstract:The scope of this study focuses on the influence of independent variables, namely the ratio of FDR, Third Party Funds with the dependent variable ROA Profitability, then the research used includes research with explanation (explanation). Population ddan sample in this research is financial report of PT. Bank Rakyat Indonesia (BRI) Syariah period 2012-2016 as many as 30 data observations during 5 years reporting on BEI. Sampling technique in this research use purposive sampling. Data Analysis using quantitative descriptive analysis with statistical approach through multiple linear regression test, T Test and Test hypothesis F research. The results can be explained that the Financing to Deposit ratio (FDR) is partially not significant effect on Return On Assets (ROA) at PT. Bank Rakyat Indonesia Syariah Period 2012-2016. The ratio of third party funds has a positive and significant impact on Return On Assets (ROA) in PT. Bank Rakyat Indonesia Syariah Period 2012-2016. Simultaneously Financing to Deposit ratio (FDR) and Ratio of third party funds have a really significant effect on Return On Assets at PT. Bank Rakyat Indonesia Syariah Period 2012-2016.
Amalia Nuril H, Dedi Suselo
An-Nisbah: Jurnal Ekonomi Syariah, Volume 4; doi:10.21274/an.2018.4.2.127-148

Siti Kalimah, Nur Fadilah
An-Nisbah: Jurnal Ekonomi Syariah, Volume 4; doi:10.21274/an.2018.4.2.1-29

Abstract:This research is based on the rise of businessmen who are justlooking for profit, and also the phenomenon that occurs based on the realityof the current trend, many businesses that use sharia or religion as a boosterof material gain, or politicization. But it is different with the business thatis doing by manufacturers from Jombang, creating something simple to beextraordinary, bringing benefits and even blessings. Positive small thingsand done according to the demands of sharia bring benefits and blessings.There are some purpose of this study,the first is to understand shariamarketing, secondly, to analyze the implementation of sharia marketing onthe business of The otak- otak of Kenzi's. This research was conducted tobusiness owners of the otak- otak kenzie in Blimbing Village, GudoJombang, employees and customers or the community. The process ofcollecting data by interview method, observation and documentation. Usingqualitative descriptive analysis is to describe the results of interviews ofrespondents, then analyze it with the theory. The results of this research isto show that the business owner of the kenzie product implicitly understandsand implements the syariah values in its business activities. Shariaimplementation is reflected on shariah marketing strategy, which is thesegmentation of the public market and target market of upper middleeconomic society and to atrack the hearts of its consumers with friendly andhonest service. In the case of shariah marketing tactic, including are halalproducts, standard price according to sharia, which is related to the locationof businesssworth according to syaraiah. In sharia marketing value, there are some value,that can given some benefits for consumers including: healthy,halal elements and well in accordance with the Qur'an that orderedhumans to eat clean food, take a holy and healthy way. From the shariahspiritual image related to the principle of honesty of hospitality that must beowned by a businessman,he feels that Allahis always watching everywhere,so both the value of sharia and the principles of sharia is very importantand useful in the business world. And from the existing phenomenonSharia-labeled marketing is not Islamization or religious commercialism,but it is a way asameans in offering products produced in a business, theimpact of the economy of a society will also increase, religion is not used asdemolisher of the economy, to seek material , but sharia or religionasmeasureand also as a rule that underlies human behavior. Religion andeconomics can not be compared, but go hand. Religion is notto be traded ineconomic interests, but the advanced of the economy is due to the religiousrules.
Siti Amelia Aldila
An-Nisbah: Jurnal Ekonomi Syariah, Volume 4; doi:10.21274/an.2018.4.2.53-72

Abstract:The purpose of this study is to determine the effect of frontliner service quality on satisfaction in BPRS Amanah Ummah Leuwiliang Bogor. Measurement of service quality is done by adaptation of CARTER model. CARTER is a model based on the SERVQUAL dimension. with a new dimension called Compliance (Compliance) that is suitable for sharia banking industry. CARTER consists of Compliance. Assurane. Reliability. Tangible. Empathy. and Responsiveness. This study uses a quantitative approach by distributing questionnaires to 100 customers. To analyze and test the hypothesis using multiple linear regression test with the help of SPSS 23.0 for window software. Based on the result of T test (partial). the dimension of Compliance. Reliability and Tangible influential significantly to customer satisfaction. Dimensions of Assurance. Empathy and Responsiveness have no significant effect on customer satisfaction in BPRS Amanah Ummah Leuwiliang Bogor.
Rokhmat Subagiyo, M. Aqim Adlan
An-Nisbah: Jurnal Ekonomi Syariah, Volume 4; doi:10.21274/an.2018.4.2.191-214

Abstract:The beginning of this research comes from the variable of brand loyalty, brand awareness, quality impression and brand association is expected to increase customer value. This is because the view of universities is a very broad discussion in order to be a contribution for students to feel satisfied with the services provided. The purpose of this study is to examine: the impact of Brand Loyalty, Brand Awareness, Quality Perceptions, and Brand Associations on Customer Value to students of the Faculty of Economics and Islamic Business IAIN Tulungagung. The research method used in this research is quantitative type eksplanotry research, with the type of causality relationship on the variables through hypothesis testing. The sample selection technique is done by using non probabality sampling method. Samples taken by students majoring in Sharia Economics, Islamic Banking, Syariah Accounting and Zakat Management and Endowments amounted to 359 respondents based on Slovin calculations. The analysis technique used is multiple linear regression analysis with SPSS program version 21. The result shows that brand loyalty, brand awareness, quality perception, brand association either partially or simultaneously have a significant impact on customer value.
Zumrotul Ainiah, Lukman Santoso
An-Nisbah: Jurnal Ekonomi Syariah, Volume 4; doi:10.21274/an.2018.4.2.73-98

Abstract:Islamic banking in practice to implement financing one of them using Akad Murabahah, or commonly called bai 'al-murabaha. Akad which contains a number of rights and obligations for the parties, namely the Bank Syariah and the customer as the applicant Murabahah Financing Agreement. The financing is required by the customer, by purchasing the goods from the supplier and then selling them to the customer by adding a cost-plus profit and this is done through the first negotiation between the bank and the customer. In it contains an agreement that is the necessity of the principle of good faith. The goodwill underlying the formation of murabahah financing contract if the contract is made to fulfill the harmonious and contractual terms, then the contract has the binding strength as binding the Law. The contract can not be canceled other than the agreement of both parties or not contrary to the law, public order or morals, and the contract must be executed in accordance with the agreed, concerning good faith not only for the implementation of the agreement but also when the creation of the contract both parties should be based on good faith. With good faith in murabahah contract, it will fulfill the intention for both parties and the less chance of default in the contract.
Ratih Purbowisanti
An-Nisbah: Jurnal Ekonomi Syariah, Volume 4; doi:10.21274/an.2018.4.2.30-52

Abstract:This study is aimed to analyze the causal relationship between the exchange rates and Islamic indices in Indonesia and Malaysia, and the long-term relationship of the two variables. Indonesia is represented by the value of the rupiah to US dollar and the Jakarta Islamic Index while Malaysia is represented by the exchange rate of the ringgit to US dollar and the FTSE Bursa Malaysia Hijrah Shariah Index. By using the Vector Autoregression (VAR) model, it can be concluded that the relationship between Jakarta Islamic index is a unidirectional relationship, where the Jakarta Islamic Index affects the exchange rate. The relationship between Malaysia Islamic index has a bidirectional relationship, where the exchange rate affects the FTSE Bursa Malaysia ringgit Hijrah Shariah Index and FTSE Bursa Malaysia Hijrah Shariah Index affects the ringgit exchange rate. Through the study is also concluded that the exchange rate with Islamic indices in Indonesia and Malaysia has a long-term relationship.
An-Nisbah: Jurnal Ekonomi Syariah, Volume 4; doi:10.21274/an.2018.4.2.164-190

Abstract:The development of sharia banking is still not satisfactory when compared with the development of conventional banking. The relatively lowgrowth of sharia banking market share is due to the low level of customersatisfaction and loyalty for sharia banking. This study aims to determinethe influence of Islamic business ethics and service quality to customersatisfaction and loyalty Bank BTN Syariah Branch Bogor. In this study,the data obtained from the dissemination of questionnaires to 100customers of Bank BTN Syariah Branch Bogor, obtained by using simplerandom sampling, then analyzed by using quantitative data analysis.Quantitative analysis includes validity test, reliability test, classicalassumption test, path analysis, hypothesis testing through t test andcoefficient of determination (R2) while data processing using SPSS 23.0 forwindows. From result of research of research data got 2 result of value of Rsquare, first obtained equal to 0,245 indicate level of customer satisfactionor customer BTN Syariah Branch 24,5% influenced by implication ofIslamic business ethics and service quality executed by institution, while the rest equal to 75,5 % influenced by other variables not included in thisresearch. The second R square value obtained by 0.438 shows the level ofcustomer loyalty or customer BTN Sharia Branch of Bogor 43.8%influenced by the implication of Islamic business ethics and service qualityimplemented by the institution, while the remaining 56.2% is influenced byother variables that are not included in this research. The results showedthat partially Islamic business ethics variables have a positive effect is notsignificant to customer loyalty with t arithmetic 0.469 with a significancelevel of 0.64 above 0.05. Variable of service quality have positive andsignificant influence to customer loyalty with t arithmetic 4,512 with significance level 0,00 below 0,05. While Islamic business ethics variableshave a positive and significant influence on customer loyalty with tarithmetic 4.104 with a significance level of 0.00 below 0.05. Servicequality variable has positive and significant influence to customer loyaltywith t arithmetic 5,218 with significance level 0,00 below 0,05. Customersatisfaction variable has a positive and significant influence on customerloyalty with t arithmetic 3,542 with a significance level of 0.01 below 0.05.
Hendy Satria
An-Nisbah: Jurnal Ekonomi Syariah, Volume 4; doi:10.21274/an.2018.4.2.149-163

Abstract:EVA is a method of financial management to measure the economic profit in a company that states that prosperity can only be created when the company is able to meet all operating costs and capital costs. With EVA method can be known whether PT BPR Central Sejahtera Tanjungpinang happened addition to its economic value. The research method used is qualitative descriptive method. The EVA classification can be calculated from the NOPAT (Net Operating Profit After Tax) component, WACC (Weighted Average Cost of Capital) and IC (Invested Capital) contained in the financial statements of PT BPR Central Sejahtera Tanjungpinang with data from 2012 until 2017. This research reveals a positive EVA result in 2012 with an EVA of 63,515,000, in 2013 with EVA of 2,138,086,000, in 2014 with EVA of 73,105,000, in 2013 with EVA of 797,470,000 and in 2014 with an EVA value of 714.750.000. In addition to these positive results, the study also revealed negative EVA results in 2015 with an EVA value of minus 65.06 million. From the analysis results obtained conclusion that the financial performance of PT BPR Central Sejahtera Tanjungpinang quite good. PT BPR Central Sejahtera Tanjungpinang can add value to the company in 2012,2013,2014,2016 and 2017, except in 2015, PT BPR Central Sejahtera Tanjungpinang is considered failed to increase its economic value
Hendri Hermawan Adinugraha
An-Nisbah: Jurnal Ekonomi Syariah, Volume 4; doi:10.21274/an.2017.4.1.25-50

Abstract:The rise of sharia fnance industry that used “sharia branding” such as sharia banking, sharia mini market, sharia hotel, until sharia franchise resulted in conventional institutions are also diversifying sharia-compliant. Ideally this should be balanced by the application of such management is based on sharia like sharia marketing, but in reality many of them are not implementing it yet. Based on the above reasons, this research aims to understand the concept and implementation of sharia marketing at Micro Islamic Financial Institutions (Puskopsyah DIY) comprehensively. This study used a type of feld research that is descriptive analytical. This study is also equipped with library research. Data collection techniques using triangulation method, while the data analysis techniques using taxonomic analysis with interactive model. The survey results revealed that implementation of sharia marketing concept in Puskopsyah DIY was good enough though not all aspects of running perfectly. For example, the facts on the ground show that not all product marketing process carried out by the prevailing fatwa supervised and issued by the Sharia Supervisory Board.Keywords: Sharia, Marketing, and Puskopsyah DIY.
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