Journal of School of Islamic Economics (STEI) SEBI (Sekolah Tinggi Ekonomi Islam)
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Pengaruh Variabel Makro dan Mikroekonomi terhadap Profitabilitas Bank Umum Syariah di Indonesia: Analisis Error Correction Model
No full textThe purpose of this study is to analyze the effects of microeconomic variables on financial statement performance and of macroeconomic variables on the profitability of Islamic Commercial Banks in Indonesia. In the data analysis, the Error Correction Model (ECM) is applied to monthly observation data for the 2014-2023 period. The results showed that in the short term, the variables of inflation, exchange rate, BI Rate, FDR, BOPO, and DPK did not influence ROA (profitability). On the other hand, in the long term, only the exchange rate variable has no effect; the remaining inflation, BI Rate, FDR, BOPO, and DPK variables affect ROA. For this reason, banks themselves need to play a significant role in strengthening risk management to address dynamic changes in profitability-related variables. Tujuan dari penelitian ini adalah untuk menganalisis pengaruh variabel mikroekonomi yang terdapat pada kinerja laporan keuangan dan faktor luar berupa variabel makroekonomi terhadap profitabilitas Bank Umum Syariah di Indonesia. Dalam analisis data, digunakan model Error Correction Model (ECM) dengan data observasi selama rentang tahun 2014-2023 secara bulanan. Hasil penelitian menunjukkan bahwa dalam jangka pendek, variabel inflasi, nilai tukar, BI Rate, FDR, BOPO, dan DPK tidak satu pun memiliki pengaruh terhadap ROA (profitabilitas). Disisi lain, dalam jangka panjang, hanya variabel nilai tukar yang tidak berpengaruh, sisanya variabel inflasi, BI Rate, FDR, BOPO, dan DPK berpengaruh terhadap ROA. Untuk itu, diperlukan peran yang besar dari perbankan sendiri untuk memperkuat manajemen risiko guna menghadapi perubahan dinamis dari variabel-variabel yang memiliki hubungan terhadap profitabilitas
Studi Minat Masyarakat terhadap Bank Syariah dan Bank Konvensional di Kampung Sumadra
No full textThis research aims to analyze the comparison of public interest in Sharia Banks and Conventional Banks in Sumadra Village, Garut Regency, using qualitative methods through interviews with twelve respondents. The analysis results show that the main factors in bank selection involve business needs, income level, and ease of access. Conventional banking practices that are sustainable in the local environment are the main selection factor. Ease of use of banking services, especially transfers and savings and loans, is also a key consideration. Although awareness about Islamic banking exists, not all respondents seek further information about Islamic banking services. However, the majority showed positive interest in Islamic banking, with a desire to use such services if they were more accessible. The obstacles faced by Islamic banks are limitations and lack of service networks. Therefore, it is recommended that Islamic banks consider expanding service networks and improving marketing strategies
Tinjauan Hukum Islam dan Hukum Positif Terhadap Pembatalan Transaksi Go-Mart oleh Konsumen
No full textPenelitian ini membahas tinjauan hukum Islam dan hukum positif terkait kerugian yang dialami Driver Gojek akibat pembatalan transaksi GoMart oleh konsumen. Permasalahan ini muncul karena ketidakjelasan tanggung jawab serta kompensasi yang seharusnya diterima Driver. Menggunakan metode penelitian hukum normatif, studi ini mengkaji berbagai sumber hukum primer, termasuk undang-undang dan literatur hukum Islam terkait muamalah. Analisis dilakukan secara komparatif untuk memahami perbedaan pandangan hukum Islam dan hukum positif terhadap kasus ini. Dalam perspektif hukum Islam, pembatalan sepihak dianggap haram karena merugikan pihak lain dan melanggar akad Ijarah. Sementara itu, dalam hukum positif, meskipun UU Perlindungan Konsumen memberikan hak bagi pelaku usaha, regulasi khusus untuk transaksi online seperti GoMart masih belum tersedia, dan UU ITE juga belum mengatur perlindungan terhadap pelaku usaha dalam kasus wanprestasi digital. Oleh karena itu, diperlukan kebijakan yang lebih jelas untuk memperkuat perlindungan hukum bagi Driver Gojek guna menciptakan keseimbangan dan keadilan dalam transaksi ekonomi digital yang terus berkembang
Pengaruh Bauran Pemasaran (Marketing Mix 7P) Terhadap Keputusan Pembelian Pada Mumtaz Laundry
No full textTujuan Penelitian ini adalah untuk mengetahui pengaruh dari berbagai variabel pada Marketing Mix 7P, yaitu produk, harga, tempat, promosi, proses, orang, dan bukti fisik. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif dengan teknik pengambilan sampel menggunakan Probability Sampling menurut teori Slovin, sehingga diperoleh sampel 98 Responden. Data diperoleh melalui pengisian kuesioner yang disebar melalui siaran aplikasi Whatsapp dan langsung di toko offline Mumtaz Laundry. Selanjutnya data tersebut diolah menggunakan Partial Least Squares- Structural Equation Model (PLS-SEM) dengan software SmartPLS 4.0.9.9. Hasil penelitian menunjukkan bahwa variabel produk, harga, dan promosi secara parsial berpengaruh positif dan signifikan terhadap keputusan pembelian di Mumtaz Laundry. Sementara itu, variabel tempat, orang dan Bukti Fisik secara parsial berpengaruh negatif dan tidak signifikan terhadap keputusan pembelian di Mumtaz Laundry. Lalu, variabel proses berpengaruh positif dan tidak signifikan terhadap keputusan pembelian Mumtaz Laundry. Secara simultan variabel produk, harga, tempat, promosi, proses, orang, dan bukti fisik berpengaruh terhadap keputusan pembelian Mumtaz Laundry
Pengaruh Gaya Hidup, Kesadaran Halal, dan Word of Mouth Terhadap Keputusan Pembelian Steak Moen-Moen di Kota Depok
No full textAbstractThis study aims to determine the effect of lifestyle, halal awareness, and word of mouth on purchasing decisions for moen-moen steak in Depok city, using primary data with questionnaires distributed to Muslim communities aged ≥ 17 years who have bought and consumed moen-moen steak products at Depok city branches. The sampling technique used non-probability sampling techniques with a purposive sampling approach. Respondents in this study totaled 115 respondents. The data analysis technique uses the SEM-PLS method with the help of SmartPLS 4.1.0.8 software. The results of this study state that partially halal awareness and word of mouth have a significant positive effect on purchasing decisions, while lifestyle has no significant positive effect on purchasing decisions. Lifestyle, halal awareness, and word of mouth together (simultaneously) have a significant positive effect on purchasing decisions for Moen-Moen Steak in Depok city
Pengaruh Religiusitas dan Self Enhancement Terhadap Niat Memboikot pada Makanan Cepat Saji (Studi Kasus Konsumen Kota Depok)
No full textPenelitian ini bertujuan untuk menganalisis pengaruh religiusitas dan self-enhancement terhadap niat memboikot produk makanan cepat saji Burger King di Kota Depok. Jenis penelitian ini adalah penelitian kuantitatif, pengumpulan data melalui kuesioner yang diisi oleh 98 responden. Analisis data dilakukan dengan teknik analisis data menggunakan SEM PLS dengan bantuan software smart PLS versi 4.1. Hasil penelitian menunjukkan bahwa religiusitas berpengaruh positif dan signifikan terhadap niat memboikot. Individu yang memiliki religiusitas tinggi merasa bahwa memboikot produk tertentu merupakan bentuk tanggung jawab moral dan spiritual. Sedangkan self-enhancement juga memiliki pengaruh yang signifikan. Self-enhancement yang dimiliki individu, persepsi diri dan bagaimana orang lain melihatnya, terbukti mampu mendorong dirinya untuk bertindak sesuai dengan keyakinannya, seperti memboikot produk atau jasa yang dianggap bertentangan dengan prinsip pribadi
Analisa Faktor-Faktor Yang Mempengaruhi Keputusan Pembelian Pada Toko Ritel Di Desa Wanasari Kabupaten Bekasi
No full textThe many types of retail stores become competition between one another to get consumers to shop at the retail stores that he manages. Wanasari Village is a village located in the capital city, is a strategic place for doing business, now there are many modern retail shops there. This study was conducted to determine the relationship between the factors of price, quality, and completeness of goods on purchasing decisions of people shopping at retail stores. The research method used in this study is a quantitative method with simple linear regression analysis. Based on the results of the analysis of 100 samples, it is known that based on the results of the regression test that the price and quality variables affect people's interest in shopping. While the completeness variable has no significant effect.Banyaknya jenis toko ritel menjadi persaingan antara satu dengan yang lainnya untuk mendapatkan konsumen agar berbelanja di toko ritel yang ia kelola. Desa Wanasari merupakan desa yang terletak di penyanggah ibu kota, adalah tempat strategis untuk berbisnis, saat ini sudah banyak toko ritel modern disana. Penelitian ini dilakukan untuk mengetahui keterkaitan antara faktor harga, kualitas, dan kelengkapan barang terhadap keputusan pembelian masyarakat berbelanja pada toko ritel. Adapun metode penelitian yang digunakan pada penelitian ini adalah metode kuantitatif dengan analisis regresi linier sederhana. Berdasarkan hasil analisis dari 100 sampel diketahui berdasarkan hasil uji regresi bahwa variabel harga dan kualitas berpengaruh kepada minat masyarakat berbelanja. Sedangkan variabel kelengkapan tidak berpengaruh signifikan
Pengaruh Perilaku Konsumen Terhadap Keputusan Pembelian Fashion Muslimah
No full textThe Influence of Consumer Behavior on Muslimah Fashion Purchasing Decisions (Case Study of Muslim Women in Jabodetabek), Sharia Banking Study Program, SEBI School of Islamic Economics, 2024. This research aims to analyze the influence of Muslim consumer behavior on purchasing decisions. The research method used is a quantitative method. This research was conducted in Jabodetabek, namely Gen Z and Millennial Muslim female consumers. The population in this study were Muslim women throughout Jabodetabek with a sample of 100 respondents. The data analysis technique in this research uses Partial Least Square (PLS) and Hypothesis Testing. Data processing in this research uses the SmartPLS 3.0 software program. Based on the research result, it shows that the independent variable (X) of Muslim women’s consumer bihavior significantly influencer the dependent variable (Y) on Muslim women’s fashion purchasing decisions in Jabodetabek. In this study, it can be concluded that the Consumer Behavior variable has a significant effect on Purchasing Decisions, because there are personal factors, psychological factors, and social factors that can influence purchasing decisions on Muslimah fashion. And it can be concluded that the factor that has the most significant effect on purchasing decisions on Muslimah fashion is personal factors
Transformation of Zakat and Waqf in Society 5.0: Improving Welfare through the Utilisation of Technology and Social Innovation
No full textThe involvement of technology in the Society 5.0 era has changed the paradigm in the management of social funds such as zakat and waqf. The research aims to explore the potential use of technology and how social innovation can expand its impact on improving the welfare of the people. This study uses a literature study method with a qualitative approach. Data was obtained from a variety of credible literature sources, including academic journals, scientific articles, books, official reports, and materials from related conferences and seminars. An in-depth analysis of this literature is carried out to understand the evolution of the role of zakat and waqf in the context of history, recent developments, and changes with the emergence of Society 5.0. The results of the literature analysis show that the use of technology, such as digital platforms and technology-based financial systems, provides a great opportunity in improving the efficiency of collecting, managing, and distributing zakat and waqf funds. In addition, social innovation also plays an important role in expanding the impact of these philanthropic practices on people's welfare. This research is expected to provide an in-depth understanding of the need to adapt zakat and waqf to the concept of Society 5.0, as well as the importance of public awareness and education on the benefits of zakat and waqf in supporting wider welfare
ANALYSIS OF BUSINESS DEVELOPMENT STRATEGY FOR SCHOOL EDUCATIONAL TOOLS THROUGH THE BUSINESS MODEL CANVAS APPROACH (Case Study of PT. Prima Duta Nusantara)
No full textConstraints have been identified in the business strategy of PT. Prima Duta Nusantara, a manufacturing company that lacks a specific strategy for its operations. This has hindered optimal growth, particularly in a competitive manufacturing industry. The research aims to analyze and formulate development strategies for the company using the Business Model Canvas (BMC) approach. A descriptive qualitative method was employed, with data collected through interviews, observations, and documentation. Results show that while PT. Prima Duta Nusantara has started using the BMC, it has not fully addressed all elements or created written mappings. Based on the current BMC, a new and improved version has been designed to guide future business development