Jurnal Fakultas Ekonomi dan Bisnis Islam - Universitas Islam Negeri Imam Bonjol Padang
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ANALISIS PENGETAHUAN DAN KRITERIA PEMILIHAN BANK SYARIAH
Full text linkThis study aims to analyze the selection criteria considered by students in choosing a Sharia bank; know the level of student knowledge of Islamic banking products; and analyzing consumer attitudes towards Islamic banks. The research subjects were students who used the services of Islamic banks or those who did not use Islamic banks in Jakarta. Data analysis methods are statistical descriptive and factor analysis. The analysis concluded that there were six factors that were considered by students in choosing a Sharia bank, including: perception and process, physical condition, price, human resources, relationships and location factors. Consumer perception is the most influential factor on consumer decisions in choosing a Sharia bank. In general, the majority of respondents have limited knowledge about Islamic banking. Religion is not the main reason for students to choose a Sharia bank. Students consider Sharia bank service friendliness more than other factor
PENGEMBANGAN EKONOMI KREATIF DESA MELALUI BADAN USAHA MILIK DESA (BUMDES) MENUJU KOPERASI BERBASIS IT
Full text linkThe allocation of funds for villages from year to year has increased; the Government allocates Funds in 2015 amounting to Rp. 20 Trillion, in 2016 of Rp. 47 trillion, and in 2017 to Rp. 60 trillion. For the province of Banten in 2015 get funding of Rp. 200 billion, in 2016 to Rp. 791 Billion, and in the year 2017 of Rp. 1 trillion. This Village Fund requires financial management accountability (planning, implementation, administration, reporting, accountability, coaching and financial control). The purpose of the Fund's allocation is to establish a "Badan Usaha Milik Desa". The research aims to make the direction of development of the allocation of funds to be allocated for the creation of "Badan Usaha Milik Desa" with legal status of Cooperatives, and develop the potential of Village Economics based on Technology, Financial Technologi, and Market Place
PENGARUH PEOPLE, PROCESS, DAN PHYSICAL EVIDENCE TERHADAP KEPUASAN ATAS PELAYANAN PADA PERBANKAN SYARIAH DI KOTA PADANG
Full text linkThis study aims to analyze: 1) the effect of people on the satisfaction of services in Islamic banking in Padang city 2) the effect of process on satisfaction of services in Islamic banking in Padang city 3) the effect of physical evidence on satisfaction of services in Islamic banking in Padang city. This study classified as descriptive causative research. The population in this study are custome in Islamic banking in Padang city. Determination of the number of samples using the Hair’s method. The distribution of questionnaires used accidental sampling techniques. Data were collected through questionnaires using a Likert scale and data analysis using PLS SEM. The results of this study indicate that: 1) there is a significant positive effect between people on satisfaction of service to Islamic banking in the city of Padang. 2) there is no significant effect between the process on satisfaction of serviceso in Islamic banking in Padang city 3) there is no significant effect between physical evidence on satisfaction of services in Islamic banking in Padang city
PENGEMBANGAN SUMBER DAYA MANUSIA: MINAT BERWIRAUSAHA MAHASISWA DENGAN POLA PENDIDIKAN SOFT SKILLS
Full text linkThis paper is motivated by the fact that the interest of students for entrepreneurship is still low. In developed countries at least 2% of the population as entrepreneurs. This paper discusses the method of soft skills education in fostering entrepreneurship interest for students of PTKIN. The purpose of writing this article is to make soft skills as an educational pattern to become an attraction for students of PTKIN to entrepreneurship. The object of this research is PTKIN in Indonesia. While this research method is a case study, that is effort to inculcate entrepreneurship spirit based on soft skills in PTKIN. The result of the research is that the pattern of soft skills education can foster entrepreneurial interest for the students of PTKIN. Furthermore, the recommendation of this research is PTKIN must have high awareness and commitment in developing soft skills, identify the soft skills attribute that has been possessed, establishing soft image brand image, designing concrete steps into academic and non academic agenda, and making blue print of soft skills development to run. In the end if the skills and interests of students to entrepreneurship increases, then graduates of PTKIN will make entrepreneur as his job
MAKSIMALISASI POTENSI ZAKAT MELALUI PENINGKATAN KESADARAN MASYARAKAT
Full text linkThe theme of the article is: zakat management. The purpose of the article is: to examine the potential of zakat to overcome poverty. The research method used in this research is qualitative research methods. Zakat is a property that must be issued by a Muslim to give to those who have the right to receive it in accordance with Islamic law. The analysis shows that zakat can reduce the number of poor families from 84% to 74%. This shows the extraordinary potential of zakat which can prosper the people. Therefore the people need to be made aware of the importance of fulfilling the obligation of zakat. This awareness can be through socialization and education to the public related to the law, the wisdom of zakat, the assets of the zakat object as well as the procedures for calculation, and the relation between zakat and taxes. This is the duty of the government and the community to continue to campaign for zakat
THE BALANCED SCORECARD: MAKSIMALISASI EMPAT PERSPEKTIF STRATEGIS ASURANSI SYARIAH
Full text linkPast research on the application of performance appraisal using the balanced scorecard (BSC) has been widely applied in conventional and Islamic financial institutions, while for non-bank financial institutions tend to be rare. This study aims to assess performance using the BSC method of performance appraisal of Islamic financial institutions in the non-bank PT. Asuransi Takaful Umum Padang Branch. During this time, PT. Asuransi Takaful Umum Padang Branch using the system GPA (Grade Point Average) in performance assessment. GPA rated yet positioned to assess the overall performance of the organization because it is more focused on the internal side of the employees. BSC is a measurement tool that is not only viewed from the financial side, but overall a good non-financial, internal, and external companies. This research uses triangulation concurrent study the research method that combines qualitative and quantitative research methods in a balanced way. The conclusion from this study is that the performance of PT. Asuransi Takaful Umum Padang Branch can be said to be very good with a total score of 89.25% votes. With the weight of the financial perspective in the company's financial condition can be said to be very good with a score of 92.23%, the customer perspective in the position to settle with a score of 76.42% votes, internal business process perspective are in very good condition, whereby this perspective provides assessment score of 100%, as well as the learning and growth perspective in very good condition with a total score of votes obtained by 89.41%
PENGARUH INFLASI, KURS, TINGKAT SUKU BUNGA, PERTUMBUHAN EKONOMI, DAN JUMLAH UANG BEREDAR TERHADAP JUMLAH DPK BANK SYARI’AH
Full text linkThis study explores the influence of Inflation Rate, Exchange Rate, Interest Rate, Economy Growth, and Money Supply toward saving and deposit fund in Indonesian sharia Banking 2001 to 2015 period. Published time series data by Indonesian Central Bank (BI), Indonesian Financial Authority (OJK), Statistic Central Bureau (BPS) were used in this study. The empirical tests using a path analyses model to support the research hypotheses. The results show that inflation rate, exchange rate, interest rate, economy growth, and money supply in Indonesia influence toward sharia banking saving and deposit fund by positive and significant effect during this period
MANAJEMEN PENGELOLAAN LEMBAGA AMIL ZAKAT DENGAN PRINSIP GOOD GOVERNANCE
Full text linkThis study describes about the management of zakat based on good governance principles. The method of this study is using library research such as secondary data in the form of books, journal articles or other literature based on the topic being discussed. The results of this study show that good governance is required by LAZ to improve professional performance in order to meet the interests of stakeholders. The implementation of Good Governance Principles in the management of zakat is as follows: Transparency, it means that LAZ must apply the principle of information disclosure to stakeholders. Accountability, it means that LAZ must hold the principle of trust (accountable) in managing zakat funds. Responsibility, it means that LAZ is responsible for distributing zakat funds right up to mustahiq. Independency, it means that LAZ is managed independently and has no dependence on certain people or other institutions. Fairness, it means that LAZ should make every effort to be fair in distributing zakat funds for those who are entitled to it. Sharia Compliance, it means that the collection and distribution of zakat funds managed by LAZ must comply with the Islamic corridor
JAMINAN SOSIAL MELALUI VOUCHER NASIONAL WAKAF
Full text linkThis paper aims to see how big the potential of cash waqf through national voucher waqf in Indonesia and how big the potential of national vouchers on social security consisting of health, education and venture capital. This paper uses the writing of quantitative methods. Where this paper describes the collection of cash waqf through a national voucher consisting of a national voucher Rp. 5.000,-, national voucher Rp. 10.000,- national voucher Rp. 20.000,-, national voucher Rp. 50.000,-, and national voucher Rp. 100.000,- which is burdened to the Indonesian society aged 15 years and over, along with the potential and empowerment of cash waqf obtained from the national voucher that will be allocated to health, education and venture capital
PEREKONOMIAN RUMAH TANGGA MUSLIM TERHADAP AKTIVITAS NERACA KEUANGAN RUMAH TANGGA
Full text linkThe research themes are: financial balance. The purpose of the paper is to explain the balance sheet of Muslim households. This research is a research library research. Data analysis techniques are carried out by descriptive analysis. The balance between income and expenditure in Muslim households is the basis for the household economy, so as to avoid problems that occur in the future. Preparation of the balance sheet of the household budget is data that contains certain boundaries and estimates in terms of income, expenditure and development of funds so that it can estimate funds and be able to overcome the problem of lack of funds