Journal of School of Islamic Economics (STEI) SEBI (Sekolah Tinggi Ekonomi Islam)
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ANALISIS PENGARUH PELAYANAN TERHADAP TINGKAT KEPUASAN PELANGGAN (Studi Kasus Pelanggan Spesialis Aqiqah Pondok Petir)
No full textThe purpose of the study was to determine the effect of service quality on customer satisfaction at Aqiqah Specialists. the existence of UMKM in the field of aqiqah service business around the Spesialis Aqiqah. Therefore, Spesialis Aqiqah need to develop and improve the services they do to be the choice of new families, especially those who need aqiqah services for their children. So that the problem that occurs is to explore the services that have been provided by Spesialis Aqiqah to customer satisfaction seeing from positive responses or testimonials on social media and gmaps. The research used quantitative methods with a descriptive approach. The test results show a coefficient value of 0.768 and t-statistics of 11.351, so it is stated that the results of a quality of service have a positive and significant influence. In data processing, researchers use the SEM PLS version 4 program as well as in the object of research at the Spesialis Aqiqah so that there is a repetition and avoids repetition. Service quality has a positive influence of 0.660, or contributes 66% to customer satisfaction and the rest is influenced by other factors that are not studied.Keywords: Service Quality, Customer Satisfaction, and AqiqahTujuan penelitian untuk mengetahui pengaruh kualitas pelayanan terhadap kepuasan pelanggan di Spesialis Aqiqah. adanya UMKM pada bidang bisnis layanan jasa aqiqah di sekitar Spesialis Aqiqah. Maka dari itu Spesialis Aqiqah perlu melakukan perkembangan dan perbaikan akan pelayanan yang dilakukannya untuk dapat menjadi pilihan para keluarga baru terlebih yang membutuhkan layanan jasa aqiqah untuk buah hatinya. Sehingga masalah yang terjadi yaitu perlunya mendalami terkait pelayanan yang sudah diberikan Spesialis Aqiqah terhadap kepuasan pelanggan melihat dari respon atau testimoni yang positif di sosial media maupun gmaps. Penelitian menggunakan metode kuantitatif dengan pendekatan deskriptif. Hasil pengujian menunjukkan nilai koefisien 0,768 dan t-statistik 11,351, maka dinyatakan hasil sebuah kualitas pelayanan memiliki pengaruh positif dan signifikan. Dalam pengolahan data peneliti menggunakan program SEM PLS versi 4 serta dalam objek penelitian di Spesialis Aqiqah sehingga adanya pembaruan dan menghindari adanya pengulangan. Kualitas pelayanan memiliki pengaruh positif sebesar 0,660, atau menyumbang 66% terhadap kepuasan pelanggan dan sisanya dipengaruhi faktor lain yang tidak diteliti.Kata Kunci:Kualitas Pelayanan, Kepuasan Pelanggan dan Aqiqa
Analisis Strategi Bersaing Pada Bisnis Kuliner (Studi Kasus Pizza Apa Ya)
No full textThis study aims to find out and describe how the competitive strategy carried out by Pizza Apa Ya in the face of competition. This research is a qualitative descriptive study using Porter's generic analysis. The data used are primary data obtained through an interview process with the President Commissioner of SL Corp Indonesia and secondary data sourced from literature studies in the form of books and journals. The data obtained is then processed using SWOT analysis to be able to find out what are the factors of strengths, weaknesses, threats, and opportunities that Pizza Apa Ya has. The results of the research on the generic strategy of Pizza Apa Ya show that the company implements a generic competitive strategy in the form of cost leadership and differentiation
Analisis Implementasi Fatwa DSN-MUI Nomor 75 Tahun 2009 Tentang Kehalalan Produk Vaporizer dalam penjualan Langsung Berjenjang Syariah PT. BEST
No full textThe aim of this research is to find out the halal law for vaporizer products in multi-level direct sales or sharia Multi Level Marketing (MLM). This research method uses qualitative field research by relying on interview techniques and documents that support the analysis of this research. The results of this research found that first, a Vaporizer (electric cigarette) is a device that works by heating liquid to produce vapor that is inhaled by the user. Second, PT Bandung Eco Sinergi Teknologi (BEST), a company that implements the PLBS system. PT. BEST sells various kinds of products, one of which is Vaporizer. Based on the results of the discussion, the law on Vaporizers traded by PT BEST is the same as Vaporizers sold in general because they use the same materials and are dangerous to health. It is recommended for PT BEST which implements the PLBS system not to sell products that are haram in terms of their substance or method of use
Analisis Kerjasama Peternakan Kambing Dengan Sistem Paruhan Di Desa Harimau Tandang Dalam Perspektif Fikih Muamalah
No full textThis research aims to determine the suitability of Muamalah Fiqh for Goat Farming cooperation: in accordance with the muamalah fiqh perspective, fulfilling the pillars and conditions and avoiding transactions that are prohibited by sharia. The descriptive qualitative research method uses field methods. Data collection techniques include observation and interviews. From this research it can be concluded that the contract used in part-time cooperation is the Mudharabah contract. This cooperation “paroan” in Harimau Tandang Village has fulfilled the Mudharabah pillars, but it has not fulfilled the requirements for each Mudharabah pillar
Strategy for Utilizing Productive Zakat at BAZNAS Tanah Datar (Analysis Study using an Analytical Network Process Approach)
No full textThe problem in this research is the Productive Zakat Utilization Strategy of BAZNAS Tanah Datar Regency. The problem topics are: priority problems for utilizing productive zakat, priority solutions to problems utilizing productive zakat, priority strategies for utilizing productive zakat. The aim of this research is to find priority problems in the utilization of productive zakat, find priority solutions to problems in the utilization of productive zakat, find and analyze priority strategies for the utilization of productive zakat using the Analytic Network Process (ANP) method. The results of this research are that the main priority OPZ problem is the low effectiveness of the productive zakat utilization program. The main priority problem for mustahik is the low motivation of mustahik to become muzakki. The main priority stakeholder/government problem is the lack of financial support for zakat institutions. Meanwhile, the strategy that is the main priority is improving skills and coaching mustahik in BAZNAS Tanah Datar Regency. Based on the results of the Analytic Network Process (ANP), it was found that the priority problem of the productive zakat utilization strategy lies in the OPZ problem with a higher agreement figure of 0.345. Then the priority solution obtained is the mustahik solution which also has an agreement figure of 0.329. The priority strategy with a higher agreement value for the productive use of zakat from BAZNAS Tanah Datar Regency is increasing skills and developing mustahik with a value of 0.336
Pengaruh Electronic Word of Mouth Terhadap Minat dan Keputusan Masyarakat Untuk Travelling (Studi Pada Wisatawan Yang Berkunjung Ke Daerah Istimewa Yogyakarta)
No full textPenelitian ini bertujuan yaitu untuk mengetahui pengaruh Electronic Word of Mouth terhadap minat dan keputusan masyarakat untuk melakukan Travelling ke Daerah Istimewa Yogyakarta. teknik pengumpulan Sampel menggunakan Random Sampling dari populasi yang digunakan sebanyak 97 responden. Dalam penelitian ini menggunakan pendekatan kuantitatif. Data dikumpulkan melalui survei berupa kuesioner yang disebar melalui Google Form kemudian di analisis menggunakan pendekatan SEM-PLS, dan diolah dengan menggunakan perangkat lunak statistik Smart-PLS. Hasil dari penelitian ini menunjukkan bahwa Electronic Word of Mouth secara signifikan berpengaruh terhadap minat masyarakat untuk berkunjung ke Daerah Istimewa Yogyakarta, Electronic Word of Mouth secara signifikan juga berpengaruh terhadap keputusan masyarakat untuk berkunjung ke Daerah Istimewa Yogyakarta, dan Minat berpengaruh signifikan terhadap keputusan masyarakat untuk berkunjung ke Daerah Istimewa Yogyakarta.
Perspektif Ihsan Atas Pengungkapan Good Corporate Governance Bank Syariah Di Indonesia
No full textThis research aims to analyze the disclosure of Good Corporate Governance at the Sharia General Bank in Indonesia, as well as assess the compliance of the disclosure through the conceptual perspective of Ihsan. The method used is a descriptive qualitative analysis approach calculated using the average number of GCG disclosure scores of the General Bank Syariah Indonesia against the annual report and GCG report of 2022–2023 from the BUS website. Research results show that although most banks have fulfilled regulatory mandatory disclosure obligations, there are variations in the fulfillment of voluntary disclosures. Bank Aceh Syariah, Bank BJB Syariah and Bank BCA Syariah stand out as banks that show high commitment to transparency and accountability. From Ihsan's perspective, the disclosures made reflect high spiritual and ethical awareness, in which these banks not only fulfill regulations, but also strive to achieve goodness and beauty in their governance. This study recommends that sharia banks value Islamic ethics in GCG practice more in order to increase public trust and sustainability of the sharia banking industry in Indonesia.Penelitian ini bertujuan menganalisis pengungkapan Good Corporate Governance di Bank Umum Syariah di Indonesia, serta menilai kepatuhan pengungkapan tersebut melalui perspektif konsep ihsan. Metode yang digunakan adalah pendekatan analisis kualitatif deskriptif yang dihitung memakai jumlah rata-rata skor pengungkapan GCG Bank Umum Syariah Indonesia terhadap laporan tahunan dan laporan GCG tahun 2022 – 2023 dari website BUS. Hasil penelitian menunjukkan bahwa meskipun sebagian besar bank telah memenuhi kewajiban pengungkapan mandatory yang diatur oleh regulasi, terdapat variasi dalam pemenuhan pengungkapkan voluntary. Bank Aceh Syariah, Bank BJB Syariah dan Bank BCA Syariah menonjol sebagai bank yang menunjukkan komitmen tinggi terhadap transparansi dan akuntabilitas. Dari perspektif ihsan, pengungkapan yang dilakukan mencerminkan kesadaran spiritual dan etika yang tinggi, di mana bank-bank ini tidak hanya memenuhi regulasi, tetapi juga berupaya untuk mencapai kebaikan dan keindahan dalam tata kelola mereka. Penelitian ini merekomendasikan agar bank-bank syariah lebih menghargai nilai-nilai etika Islam dalam praktik GCG, guna meningkatkan kepercayaan publik dan keberlanjutan industri perbankan syariah di Indonesia
Credit Risk Determinants: Specific and Macroeconomic Factors of Islamic Banks
No full textThe development of Islamic banking credit risk shows a downward trend. However, the existence of Indonesian Islamic banking in the world is not yet among the best ranked, even though it has the largest Muslim population. This study examines the factors that influence credit risk in Islamic banks in Indonesia by using the bank's specific characteristics and macroeconomic factors. This study uses a multiple linear regression method with monthly data on Islamic banking in Indonesia for the period 2020-2022. The dependent variable for credit risk uses Non-performing financing (NPF). Independent variables from bank-specific factors are used Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Operating Expenses to Operating Income (BOPO). While the independent variables from macroeconomic factors use inflation and interest rates. The results showed that the CAR, FDR, and inflation variables affected the credit risk of Islamic banks. FDR has a positive effect, while CAR and inflation have a negative effect. BOPO and interest rates do not affect credit risk
Analysis Four Factors of Customer Interest Towards Bai' Bitsaman Ajil (BBA) Financing at KJKS BMT Agam Madani Nagari Pakan Sinayan Banuhampu District
No full textIn economic activities, the main challenge faced is the problem of business capital. This is often the main reason why someone's business does not experience development or progress. Providing business capital in the form of Bai Bitsaman Ajil (BBA) financing is an effort to support the community in improving their business and welfare. As a result of the research conducted by the author, it can be concluded that the Bai Bitsaman Ajil (BBA) financing procedure that meets the implementation of KJKS BMT Agam Madani Nagari Pakan Sinayan is submitting an application for funding to KJKS BMT Agam Madani Nagari Pakan Sinayan, customer financing application form, completeness of fee administration, after that, KJKS BMT Agam Madani conducted a survey of business premises and residences. After carrying out supervision, a financing board meeting is held, the client will decide whether to obtain financing or not, realize the financing request and finally disburse the financing funds. The factors that influence customer interest in Bai' Bitsaman Ajil (BBA) financing are product factors, service factors, promotional factors and location factors. Of these four factors, it can be seen that many customers are willing to finance Bai Bitsaman Ajil (BBA), which is more dominant due to product factors, because the procedures for financing Bai Bitsaman Ajil (BBA) are easier and faster, do not make things difficult for the community, the requirements are not complicated, financing Bai Bitsaman Ajil (BBA) can be paid in installments and is not too burdensome for customers to pay installments. Bai Bitsaman Ajil (BBA) financing is carried out to avoid usury and the margins are small, there is no guarantee of usage
Implementasi Pembiayaan Murabahah pada Perbankan Syariah di Indonesia: Studi Literatur
No full textThis study tried to look at research related to Murabahah Contract Financing in Islamic Banking in Indonesia bycollecting sufficient information on murabahah contract financing, such as house, vehicle, and productive installments, such as investment and business working capital. This research method uses qualitative methods, namely literature research by collecting some previous research during the period 2020 (two thousand twenty) to 2022 (two thousand twenty-two) that have been published, journal articles related to murabahah contract financing were collected as many as 25 (twenty-five). The search for this document study is a scientific paper that is not a thesis through the google scholar website page and the help of Public or Perish software (POP) using the keyword "Murabahah Financing". According to Sharia Banking Statistics Data, January 2020 issued by the OJK (Financial Services Authority) on the Composition of Financing that i provide Sharia People's Financing Banks, jumlah rekening Sharia People's Financing Banks and equivalent rates of rewards/profit sharing/fees/bonuses of Sharia People's Financing Banks in the Murabahah Contract it is always the most among other contracts, except in the equivalent of the level of reward/profit sharing/fee/bonus only slightly difference between the murabahah contract and the musyarakah contract (19.73 with 22.66). The most research states that murabahah contract financing has a considerable influence on Islamic banking. Based onthe results of this literature study, it can be concluded that murabahah contract financing plays an important role as the most dominant contract used by customers. Penelitian ini mencoba melihat riset terkait Pembiayaan Akad Murabahah pada Perbankan Syariah di Indonesia dengan melakukan pengumpulkan informasi yang cukup terhadap pembiayaan akad murabahah, seperti angsuran rumah, kendaraan, dan produktif, seperti investasi maupun modal kerja usaha. Metode penelitian ini menggunakan metode kualitatif, yaitu penelitian kepustakaan dengan mengumpulkan beberapa penelitian terdahulu selama periode 2020 (dua ribu dua puluh) sampai dengan 2022 (dua ribu dua puluh dua) yang sudah dipublish, artikel jurnal yang terkait pembiayaan akad murabahah dikumpulkan sebanyak 25 (dua puluh lima). Pencarian studi dokumen ini karya tulis ilmiah yang bukan skripsi melalui laman website google scholar dan bantuan software (POP) Public or Perish dengan menggunakan kata kunci “Pembiayaan Murabahah”. Menurut Data Statistik Perbankan Syariah, Januari 2020 terbitan OJK (Otoritas Jasa Keuangan) pada Komposisi Pembiayaan yang diberikan Bank Pembiayaan Rakyat Syariah, jumlah rekening Bank Pembiayaan Rakyat Syariah serta Ekuivalen tingkat imbalan/bagi hasil/fee/bonus Bank Pembiayaan Rakyat Syariah pada Akad Murabahah selalu paling banyak diantara akad lainnya, kecuali pada Ekuivalen tingkat imbalan/bagi hasil/fee/bonus hanya beda sedikit antara akad murabahah dengan akad musyarakah (19,73 dengan 22,66). Penelitian paling banyak menyebutkan bahwa pembiayaan akad murabahah memberikan pengaruh yang cukup besar bagi Perbankan Syariah. Berdasarkan hasil studi literatur ini maka dapat disimpulkan bahwa pembiayaan akad murabahah memegang peranan penting sebagai akad yang paling dominan digunakan oleh Nasaba