Jurnal Online Universitas Islam Negeri Sultan Maulana Hasanuddin
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Stock Price Valuation After Issue of The Indonesian Islamic Bank Merger Breakup
No full textStock price valuation is the process of assessing the share price of a company that aims to determine the intrinsic value or fair value of the company. This research is a study that aims to determine the intrinsic value of BRIS companies using a relative valuation approach which is then analyzed using two methods, namely Price Earning Ratio (PER) and Price to Book Value (PBV). This research can serve as a source of information that can assist in making investment decisions through a comparison between market prices and fair prices. This research is included in the category of quantitative descriptive research that uses secondary data as a source of information in the form of historical data obtained from www.stockbit.com. The data used are stock prices for the last 5 years, Earning Per Share data (current EPS) and mean PER data, as well as current book value per share data (current BVPS) and mean PBV. The results showed that the BRIS company valued using the PER method is included in the cheap category (undervalued) so investors are recommended to invest their funds in these shares, while when valued using the PBV method shows that the BRIS company is included in the overvalued category because the market price is greater than the fair price. However, the difference between the fair price and the share price is only small so investors are advised to keep buying the shares.Valuasi harga saham merupakan proses penilaian harga saham suatu perusahaan yang bertujuan untuk menentukan nilai intrinsic atau nilai wajar dari perusahaan tersebut. Penelitian ini merupakan penelitian yang bertujuan untuk mengetahui nilai intrinsik dari perusahaan BRIS menggunakan pendekatan relative valuation yang kemudian dianalisis menggunakan dua metode yaitu Price Earning Ratio (PER) dan Price to Book Value (PBV). Penelitian ini dapat berfungsi sebagai sumber informasi yang dapat membantu dalam pengambilan keputusan investasi melalui perbandingan antara harga pasar dan harga wajarnya. Penelitian ini termasuk dalam kategori penelitian deskriptif kuantitatif yang menggunakan data sekunder sebagai sumber informasi berupa data historical yang didapat dari www.stockbit.com. Data yang digunakan yaitu harga saham selama 5 tahun terakhir, data Earning Per Share (current EPS) dan data mean PER, serta data current book value per share (current BVPS) dan mean PBV. Hasil penelitian menunjukkan bahwa perusahaan BRIS divaluasi dengan metode PER termasuk dalam kategori murah (undervalued) sehingga para investor direkomendasikan untuk menginvestasikan dana mereka pada saham tersebut, sedangkan ketika divaluasi menggunakan metode PBV menunjukkan bahwa perusahaan BRIS termasuk kedalam kategori overvalued karena harga pasar lebih besar daripada harga wajar. Namun, selisih antara harga wajar dan harga saham hanya sedikit sehingga para investor disarankan untuk tetap membeli saham tersebut
Strategi Optimalisasi Daya Saing Bank Syariah Pasca Merger Bank-Bank Syariah BUMN
No full textMergers are an important part of restructuring financial operations and increasing opportunities to increase the share of the Sharia banking market in Indonesia. This study aims to analyze the strategy for optimizing the competitiveness of Islamic banks after the merger of state-owned Islamic banks. This type of research uses field research. This research approach uses qualitative. The research setting is located at Bank BSI KC Pekalongan Pemuda. The subject of this research is Bank Syariah Indonesia (BSI) KC Pekalongan Pemuda, namely the Branch Operations and Service Manager and Marketing Financing at BSI KC Pekalongan Pemuda. The main sample of this research data source is informants consisting of employees and customers of Bank BSI. The data collection technique uses the trinulation technique which is a combination of observation, interview, and documentation techniques. Data analysis used a data credibility test with triangulation techniques from different data. Analysis of the data used in the study used interactive model data analysis by Miles and Huberman. The results of this research conclude that Bank Syariah Indonesia officially carried out a merger on February 1, 2021. The formation of the merger made Bank Syariah Indonesia superior in terms of large capital. Competitiveness optimization strategy by taking several steps. First, sharia awareness. BSI KC Pekalongan Pemuda is a media for preaching the concept of Islamic teachings in Sharia banking practices of Openness, Accountability, Professionalism, and Justice. Second, the strategy plan continues to develop to improve it in line with the problems faced by BSI to achieve a competitive advantage. BSI KC Pekalongan Pemuda’s special strategy focuses on commercial patterns in marketing all products by focusing on several agencies such as education centers, health services, offices, and industries to gain a wide network. Third, digitization makes it easy to provide services that only by using a cellphone can be reached easily.Merger merupakan bagian penting untuk merestrukturisasi operasi keuangan dan meningkatkan peluang untuk meningkatkan pangsa pasar perbankan syariah di Indonesia. Penelitian ini bertujuan untuk menganalisis strategi optimalisasi daya saing bank syariah pasca merger bank-bank syariah BUMN. Jenis penelitian ini menggunakan penelitian lapangan. Pendekatan penelitian ini menggunakan kualitatif. Setting penelitian ini berlokasi di Bank BSI KC Pekalongan Pemuda. Subjek penelitian ini adalah pihak Bank Syariah Indonesia (BSI) KC Pekalongan Pemuda, yaitu Branch Operations & Service Manager dan Marketing Pembiayaan di BSI KC Pekalongan Pemuda. Sampel utama sumber data penelitian ini informan yang terdiri dari karyawan dan nasabah Bank BSI. Teknik pengumpulan data menggunakan teknik tringulasi bersifat gabungan dari teknik observasi, wawancara, dan dokumentasi. Analisis data menggunakan uji kredibilitas data dengan triangulasi teknik dari data yang berbeda. Analisis data yang digunakan dalam penelitian menggunakan analisis data model interaktif Miles dan Huberman. Hasil penelitian ini menyimpulkan bahwa Bank Syariah Indonesia resmi melakukan merger pada tanggal 1 februari 2021. Pembentukan merger menjadikan Bank Syariah Indonesia unggul pada sisi permodalan yang besar. Strategi pengoptimalan daya saing dengan melakukan beberapa langkah. Pertama, kesadaran syariah. BSI KC Pekalongan Pemuda sebagai media dakwah dengan konsep ajaran islam pada praktik perbankan syariah Keterbukaan, Akuntabilitas, Profesional, dan keadilan. Kedua, Rancangan akan strategi terus berkembang guna memperbaiki sejalan dengan permasalahan-permasalahan yang dihadapi oleh BSI dengan tujuan mencapai keunggulan bersaing. Strategi khusus BSI KC Pekalongan Pemuda fokus pada pola komersial dalam memasarkan seluruh produk dengan berfokus ke beberapa instansi-instansi seperti pusat pendidikan, layanan kesehatan, kantor-kantor, dan industri-industri untuk memperoleh banyak jaringan. Ketiga, digitalisasi memberi kemudahan dalam memberikan layanan yang hanya dengan penggunaan melalui handphone semua bisa digapai dengan mudah
The Effect of Hajj Fund Savings Product Services and Marketing Strategies on Customer Interests to Save (Study at BRI Syariah Sub-Branch Office (KCP) Labuan)
Get PDFThis research aims to determine the service of Hajj fund savings products on customer interest in saving, the marketing strategy of Hajj fund savings, and the influence of services and marketing strategies on interest in Hajj fund savings. The method used is the descriptive quantitative method. Validity and reliability tests and classical assumption tests included Multicollinearity Test, Autocorrelation Test, Heteroscedasticity Test, and Normality Test. It is then using Multiple Linear Regression Analysis Requirements Submission and Hypothesis Submission, Partial Test (t-Test), Simultaneous Test (f Test), Correlation Coefficient (r), and Coefficient of Determination (R-Squares). After doing the research, it is known that the variable of Hajj Fund Savings Service Variable (X1). From the calculation results, the t_count value is 4.131, the t_value (table) is 1.671 with a significant value of 0.000 <0.05, and the regression coefficient value is positive at 0.538. So it can be said that there is a positive and significant effect between Hajj fund savings services and customer interest in saving. Marketing Strategy Variable (X2) From the calculation results, the t_count value is 1.586. The t-value table is 1.671 and has a significant value of 0.118 0.05. The regression coefficient's value is also positive at 0.216. H0 is rejected, meaning that there is a positive and significant effect between marketing strategy and customer interest in saving, stating that marketing strategy significantly impacts customer interest in saving
Effects of Inflation, Exchange Rate, BI Rate, and GDP on Islamic Bank Stock Prices
Get PDFThe state of a country's economy will affect the investment climate, as evidenced by macroeconomic factors such as inflation, exchange rates, the BI rate, and economic growth measured by GDP. This study aims to examine the impact of inflation, exchange rates, the BI rate, and GDP on Islamic banking stock prices, both individually and collectively. The descriptive quantitative research method was used in this study. The following data analysis techniques were used in this study: 1. Classical Assumption Test, 2. Hypothesis Test (t-test and F-test), and 3. Correlation and Determination Coefficient Test. The research's findings are as follows: 1. The stock price of an Islamic bank is significantly impacted negatively by partial inflation, 2. Partially, the BI Rate has a considerable beneficial impact on the share price of Islamic banks while having a favorable and negligible effect on the exchange rate. 4. The share price of Islamic banks is not affected by GDP in total, but it is affected simultaneously by inflation, exchange rates, the BI Rate, and GDP. Sharia shares are important and have a significant association with a percentage of 39.8%
SMARTPHONE ADDICTION, PRESTASI AKADEMIK DIMODERASI OLEH NEUROTISME
No full textExcessive use of smartphones for students will reduce the intensity of students socializing with their environment or family, this will disrupt students' social interactions. Starting from the disturbed social interaction, the sensitivity of empathy begins to erode, and unconsciously the individual will become apathetic towards other people, even those closest to them. The purpose of this study was to determine the effect of Smartphone Addiction on student achievement moderated by neuroticism in grade 6 SDIT Widya Cendikia. This research method uses quantitative research with path analysis techniques. The population in the research is 70 people, in this study, there were 40 respondents using a purposive sampling technique. The research instrument used a questionnaire prepared by the researcher. The results of the study can be concluded: 1) Grade 6 students at SDIT Widya Cendikia have a smartphone addiction level in the high category and learning achievement in the medium category; 2) there is a significant influence between smartphone addiction on academic achievement in grade 6 students with a significance level of 0.000 (p<0.05). in conclusion, Smartphone Addiction (X) has an effect on student achievement (Y) moderated by neuroticism (M) in grade 6 SDIT Widya Cendikia.Tujuan penelitian ini adalah untuk mengetahui Smartphone Addiction terhadap prestasi akademik yang dimoderasi neuroticism di SDIT Widya Cendikia. Teori yang digunakan tentang Smartphone Addiction, prestasi akademik yang dimoderasi neuroticism. Penelitian ini menggunakan metode secara kuantitatif, sedangkan jenis penelitian ialah cross sectional. Penelitian sectional adalah suatu penelitian untuk mempelajari dinamika korelasi anatara faktor-faktor resiko dengan efek, dengan cara pendekatan, observasional atau pengumpulan data. Hasil penelitian Smartphone Addiction siswa SDIT Widya Cendikia dalam katagori sedang dan prestasi akademik siswa yang dimoderasi neuroticism dalam katagori baik. Kesimpulan, pendekatan moderasi oleh neuroticism dapat mengurangi Smartphone Addiction dan meningkatkan prestasi siwa
لتعليم مهارة القراءة SQ3R تطوير المواد التعليمية على أساس طريقة
Get PDFThis study aims to determine the development of teaching materials based on the SQ3R method (Survey, Question, Read, Recite, Review) for teaching reading skills in the tenth grade of MA Al-Mahdi Sindangheula, to determine the effectiveness of their use, and to determine their feasibility. To achieve the above related objectives, the researcher uses Brog and Gall's theory of development in six steps: needs and problem analysis, data collection, product design, product validation, product improvement, and product testing. The effectiveness of teaching materials based on the SQ3R method for teaching reading skills is based on the results of the pre-test 34.2% and post-test 75.2%. These results show that there is an increase with a large difference of 41%. Based on these results indicate that the use of teaching materials based on the SQ3R method for teaching reading skills is effective.Penelitian ini bertujuan untuk mengetahui pengembangan bahan ajar berbasis metode SQ3R (Survey, Question, Reading, Recite, Review) untuk pengajaran keterampilan membaca di kelas sepuluh MA Al-Mahdi Sindangheula, untuk mengetahui keefektifan penggunaannya, dan untuk mengetahui kelayakannya. Untuk mencapai tujuan tersebut di atas yang terkait, peneliti menggunakan teori pengembangan Brog and Gall dalam enam langkah: analisis kebutuhan dan masalah, pengumpulan data, desain produk, validasi produk, peningkatan produk, dan uji coba produk. Adapun keefektifan bahan ajar berbasis metode SQ3R untuk pengajaran keterampilan membaca berdasarkan dari hasil pre-test 34,2% dan post-test 75,2%. Hasil tersebut menunjukkan ada peningkatan dengan perbedaan yang besar yaitu 41%. Berdasarkan hasil tersebut menunjukan bahwa penggunaan bahan ajar berbasis metode SQ3R untuk pengajaran keterampilan membaca adalah efektif
PEMBAHASAN SEPUTAR MUHADDIS, TADWIN HADIS, DAN KUTUB AS-SITTAH
Get PDFThis study attempts to explain several major topics in hadith and hadith science, namely about who Muhaddis are, how the dynamics of tadwin hadiths are, and about the kutubussittah. Research on tadwin hadith or bookkeeping and codification of hadith is very interesting because with it, can be seen how the efforts of scholars in maintaining the hadith of the Prophet and showing the greatness of the methods and systematics of authenticating the hadith used. This research was conducted using the literature study method, with book references from mutaqoddimin scholars and contemporary scholars. The results of this study show how the criteria of a Muhaddis and how the dynamics of hadith tadwin until the books of hadith scholars can be studied to this day.
Abstrak
Kajian ini berusaha menerangkan beberapa topik besar dalam Hadis dan ilmu Hadis, yaitu tentang siapa itu Muhaddis, bagaimana dinamika tadwin Hadis, dan tentang kutub as-sittah. Penelitian tentang tadwin Hadis atau pembukuan dan kodifikasi Hadis sangatlah menarik karena dengannya dapat diketahui bagaimana jerit payah ulama dalam menjaga Hadis Nabi serta menunjukkan kehebatan metode dan sistematika penshahihan Hadis yang dipakai. Penelitian ini dilakukan dengan metode studi pustaka, dengan referensi buku dari ulama mutaqoddimin maupun ulama zaman ini. Hasil penelitian ini menunjukkan bagaimana kriteria seorang Muhaddis serta bagaimana dinamina tadwin Hadis sampai kitab para ulama Hadis bisa dipelajari sampai hari ini
Pelatihan Pengolahan Singkong (Manihot Esculanta. L) Menjadi Brownies Telo Sebagai Upaya Meningkatkan Ekonomi Masyarakat)
Get PDFCassava or what is known as telo is one of the main commodities produced by community plantations in Padukuhan Jetis, Jetis Saptosari. This food which has a very high carbohydrate content can be used as a substitute for rice. The purpose of this training activity is to provide on cassava processing innovation as an effort to increase the economic value of cassava. This cassava processing innovation training activity was held on 23 August 2022 at 13:00-16:00 WIB at the Padukuhan Jetis hall with the initial activity being filled with material socialization events about processed cassava innovation and continued with the practice of making steamed telo brownies with the participants. This activity is expected to be an innovation for the community to make more use of cassava into processed products that have high economic value.Singkong atau yang dikenal telo merupakan salah satu komoditi utama hasil perkebunan masyarakat di Padukuhan Jetis, Jetis Saptosari. Bahan pangan yang memili kandungan karbohidrat yang sangat tinggi ini bisa dijadikan sebagai bahan pokok pengganti beras. Tujuan dari kegiatan pelatihan ini yaitu untuk memberikan inovasi pengolahan singkong sebagai upaya meningkatkan nilai ekonomis singkong. Kegitan pelatihan inovasi pengolahan singkong ini dilaksanakan pada tanggal 23 Agustus 2022 pada pukul 13:00-16:00 WIB di balai Padukuhan Jetis dengan kegiatan awal diisi oleh acara sosialisasi materi seputar inovasi olahan singkong dan dilanjutkan dengan praktik pembuatan brownies telo kukus bersama para peserta. Kegiatan ini diharapkan dapat menjadi inovasi bagi masyarakat untuk lebih memanfaatkan singkong menjadi olahan yang bernilai ekonomis tinggi
Bina Kesadaran Hak-hak Perempuan Dan Anak Dalam Lingkup Hukum Keluarga Islam Di Kampung Kandang Haur Desa Kadikaran Kecamatan Ciruas Kabupaten Serang
Get PDFA good understanding of the substance and implementation of Islamic law in society can create a good religious and state life. The implementation of Islamic law that is very significant is the implementation of women's rights and children's rights both in terms of fiqh law and legislation as well as compilations where these rights need to be fulfilled. In order to fulfill the rights of women and children, it is necessary to raise awareness and understanding of the rights of women and children themselves in society in a comprehensive manner. This service activity focuses on raising awareness of women's and children's rights within the scope of Islamic family law in Kandang Haur, Kadikaran Village, Ciruas District, Serang Regency. The method used in this activity is Participatory Action Research (PAR) or the process of community empowerment through participation and social mobilization using a form of community-based research which is research to address problems experienced by the community. The purpose of this activity is to convey good information and awareness education to the public regarding the rights of women and children within the scope of Islamic family law so as to create harmonious family resilience as expected by Islamic teachings themselves.
Keywords: Awareness, Women's Rights, Children's Rights, Islamic Family LawPemahaman yang baik terkait substansi serta implementasi hukum Islam di tengah masyarakat dapat terciptanya kehidupan beragama dan bernegara dengan baik. Implementasi hukum Islam yang sangat signifikan ialah implementasi hak-hak perempuan dan hak anak baik dari segi hukum fiqh dan perundang-undangan maupun kompilasi dimana hak-hak tersebut perlu dipenuhi. Untuk terpenuhinya hak-hak perempuan dan anak, perlu ditumbuhkan kesadaran dan pemahaman akan hak-hak perempuan dan anak itu sendiri di masyarakat secara komprehensif. Kegiatan pengabdian ini berfokus pada sosialisasi bina kesadaran hak-hak perempuan dan anak dalam lingkup Hukum keluarga Islam di Kampung Kandang Haur, Desa Kadikaran, Kec. Ciruas, Kabupaten Serang. Metode yang digunakan pada kegiatan ini ialah Participatory Action Reseacrh (PAR) atau proses pemberdayaan masyarakat melalui partisipasi dan mobilisasi sosial dengan menggunakan bentuk penelitian bersama masyarakat (Communiy Based Research) yang merupakan penelitian guna mengatasi permaslahan yang dialami masyarakat. Adapun tujuan dari kegiatan ini dapat tersampaikannya informasi dan edukasi kesadaran yang baik kepada masyarakat terkait hak-hak perempuan dan anak dalam lingkup hukum keluarga Islam sehingga terciptanya ketahanan keluarga yang harmonis sesuai yang diharapkan oleh ajaran Islam itu sendiri.
Kata Kunci: Kesadaran, Hak-hak Perempuan, Hak-hak Anak, Hukum Keluarga Isla
Pribumisasi Islam dalam Budaya Lokal: Studi Tentang Ritual Tolak Bala di Banten
Get PDFPenelitian tentang ritual tolak bala di Banten dilatarbelakangi dari maraknya wacana Islam Nusantara di media sosial yang menimbulkan banyak pro kontra di kalangan umat Islam di Indonesia. Terutama berkaitan dengan isu arabisasi versus Islam yang mengakomodasi budaya lokal. Sementara itu di Indonesia pada umumnya dan Banten pada khususnya telah terdapat praktek keagamaan yang merupakan bentuk dari dialektika agama dan budaya lokal. Salah satu bentuk kegiatan keagamaan yang kerap dilakukan oleh umat Islam di Banten adalah ritual tolak bala yang diwariskan secara turun temurun untuk mengingatkan umat manusia akan potensi ancaman bencana yang mengintai mereka. Sebagian masyarakat Banten masih aktif dalam melaksanakan ritual tolak bala dengan berbagai bentuknya dan dengan keyakinan-keyakinan yang menyertainya. Puncak dari ritual tolak bala adalah salat tolak bala yang dilakukan setiap bulan Safar. Kegiatan keagamaan semacam tolak bala sebenarnya tidak hanya memiliki fungsi sosial tetapi juga fungsi spiritual. Dengan rutinnya masyarakat Banten melaksanakan salat tolak bala diharapkan mereka akan lebih sadar bencana sehingga mampu menjaga dan memelihara lingkungannya agar terhindar dari bencana. Oleh karena itu peran ulama sangat penting dalam terwujudnya perubahan sosial di Banten karena ulama bagi orang Banten adalah paku bumi, yang mampu menguatkan Banten dari goncangan-goncangan yang menerpanya