Tag: jurnal agama islam

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PENGARUH TINGKAT LITERASI WARGA MUHAMMADIYAH TERHADAP INKLUSI KEUANGAN PRODUK TABUNGAN BANK SYARIAH

Abstract

The results of the Financial Services Authority (OJK) Survey in early 2018 showed that the level of Islamic financial literacy was only 8% while the level of inclusion, for Islamic banking itself, was at the highest literacy level, namely 6.6% literacy level and 9% level. 2016 shows that only 30 people have an adequate understanding of finance. This is a challenge to do to develop financial literacy. This study aims to see the level of literacy of Muhammadiyah citizens and financial inclusion of Islamic bank savings products. This research uses quantitative methods and simple regression analysis using SPSS Version 20 software. The independent variable in this study is Literacy. Finance (X1) from the results of the t-test of the financial literacy variable is 9,450 <0.1, which means a positive effect. And the F test shows jointly or simultaneously the Financial Literacy Variable on financial inclusion Sharia bank savings products with the calculated F value are 89,301 which means that it is greater than the F table, namely 3.95 and also has a significant value which is less than 0, 1 is worth 0.00. The test value of the determinant coefficient is 0.708.

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MPLEMENTASI AKAD IJARAH MULTIJASA SEKTOR PENDIDIKAN: STUDI KASUS BANK CIMB NIAGA SYARIAH

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One of the Islamic banking products that is quite flexible is multi-service Ijarah. This paper aims to analyze the implementation of multi-service ijarah contracts in one of the Islamic banks, especially for financing the education sector. The implementation of multiservice ijarah financing is carried out in accordance with the Fatwa of the National Sharia Council (DSN) of the Indonesian Ulema Council (MUI) by combining the ijarah contract and the wakalah contract. However, there are still obstacles to identify financing objects in this education sector. In addition, the status of using the wakalah contract as a supporting contract is still unclear in the practice of multi-service ijarah. The issue of the imposition of fines by banks is also an important discussion as a solution to provide optimal services for customers who need financing in the education sector.

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ANALISIS KRITIS ATAS PELAKSANAAN INVESTASI GADAI EMAS BERTINGKAT PADA LEMBAGA KEUANGAN SYARIAH Dwi Umardani

Abstract

This study is intended to determine the weakness points of multilevel gold pawn investment practice in Islamic financial institutions and to find out an alternative gold investment to avoid those weakness points. The research method used is a qualitative method with primary and secondary data collected through observation on Islamic financial institutions and literature review then analyzed critically and solutively. After conducting a critical analysis, it turns out that the implementation of multilevel gold pawn investment has several major weaknesses such as having to allocate certain costs to other party, there is no certainty that the price of gold will rise in the future, and the risk of loss is very high. Meanwhile, buying gold independently according to the ability of the customer then selling it and right at the moment the proceed of the sale is used to buy gold by the same size again and the next gold with smaller size in case it is done repeatedly, it can be considered as an alternative.

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ANALISIS KRITIS ATAS PELAKSANAAN INVESTASI GADAI EMAS BERTINGKAT PADA LEMBAGA KEUANGAN SYARIAH Dwi Umardani

Abstract

This study is intended to determine the weakness points of multilevel gold pawn investment practice in Islamic financial institutions and to find out an alternative gold investment to avoid those weakness points. The research method used is a qualitative method with primary and secondary data collected through observation on Islamic financial institutions and literature review then analyzed critically and solutively. After conducting a critical analysis, it turns out that the implementation of multilevel gold pawn investment has several major weaknesses such as having to allocate certain costs to other party, there is no certainty that the price of gold will rise in the future, and the risk of loss is very high. Meanwhile, buying gold independently according to the ability of the customer then selling it and right at the moment the proceed of the sale is used to buy gold by the same size again and the next gold with smaller size in case it is done repeatedly, it can be considered as an alternative.

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ANALISIS KRITIS ATAS PELAKSANAAN INVESTASI GADAI EMAS BERTINGKAT PADA LEMBAGA KEUANGAN SYARIAH Dwi Umardani

Abstract

This study is intended to determine the weakness points of multilevel gold pawn investment practice in Islamic financial institutions and to find out an alternative gold investment to avoid those weakness points. The research method used is a qualitative method with primary and secondary data collected through observation on Islamic financial institutions and literature review then analyzed critically and solutively. After conducting a critical analysis, it turns out that the implementation of multilevel gold pawn investment has several major weaknesses such as having to allocate certain costs to other party, there is no certainty that the price of gold will rise in the future, and the risk of loss is very high. Meanwhile, buying gold independently according to the ability of the customer then selling it and right at the moment the proceed of the sale is used to buy gold by the same size again and the next gold with smaller size in case it is done repeatedly, it can be considered as an alternative.

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PENGARUH LIKUIDITAS DAN LEVERAGE TERHADAP PENGUNGKAPAN ISLAMIC SOCIAL REPORTING DENGAN PROFITABILITAS SEBAGAI VARIABEL PEMODERASI (Studi Kasus Pada Bank Syariah Tahun 2015-2018)

Abstract

This study aims to determine the effect of Liquidity, Leverage, and Profitability on the disclosure of Islamic Social Reporting (ISR). Disclosure of Islamic Social Reporting (ISR) is measured using the ISR index. The population in this study is Sharia Banks in Indonesia in the 2015-2018 period. The total data used is 36 data from 9 samples of Islamic banks using purposive sampling. The results of this study indicate that Liquidity, Leverage, and Profitability towards the disclosure of Islamic Social Reporting.

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THE EFFECT OF SERVICE QUALITY AND BRAND EQUITY OF DIGITAL SHARIA PAWNSHOP ON CUSTOMER SATISFACTION

Abstract

The purpose of this study was to determine the effect of service quality variables (X1) and brand equity (X2) of digital sharia pawnshops on customer satisfaction in Yogyakarta sharia pawnshops. The research data collecting was through questionnaire method which was distributed to 42 pawnshop customers using purpose sampling method. The quantitative analysis includes validity, reliability test, classical assumption test including normality test, hetoroscedasticity test, multicollinearity test. The hypothesis testing was through T test and simultaneous test. The results of this study show that service quality has a significant positive effect on customer satisfaction with the value of t = 1.796. Brand Equity has a significant positive effect on customer satisfaction with the value of t = 2.956. The results simultaneously show the magnitude of the F value with a significance of 0,000 <0.05, so it can be concluded that simultaneously service quality and brand equity variables affect customer satisfaction variables.

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THE EFFECT OF SERVICE QUALITY AND BRAND EQUITY OF DIGITAL SHARIA PAWNSHOP ON CUSTOMER SATISFACTION

Abstract

The purpose of this study was to determine the effect of service quality variables (X1) and brand equity (X2) of digital sharia pawnshops on customer satisfaction in Yogyakarta sharia pawnshops. The research data collecting was through questionnaire method which was distributed to 42 pawnshop customers using purpose sampling method. The quantitative analysis includes validity, reliability test, classical assumption test including normality test, hetoroscedasticity test, multicollinearity test. The hypothesis testing was through T test and simultaneous test. The results of this study show that service quality has a significant positive effect on customer satisfaction with the value of t = 1.796. Brand Equity has a significant positive effect on customer satisfaction with the value of t = 2.956. The results simultaneously show the magnitude of the F value with a significance of 0,000 <0.05, so it can be concluded that simultaneously service quality and brand equity variables affect customer satisfaction variables.

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THE EFFECT OF SERVICE QUALITY AND BRAND EQUITY OF DIGITAL SHARIA PAWNSHOP ON CUSTOMER SATISFACTION

Abstract

The purpose of this study was to determine the effect of service quality variables (X1) and brand equity (X2) of digital sharia pawnshops on customer satisfaction in Yogyakarta sharia pawnshops. The research data collecting was through questionnaire method which was distributed to 42 pawnshop customers using purpose sampling method. The quantitative analysis includes validity, reliability test, classical assumption test including normality test, hetoroscedasticity test, multicollinearity test. The hypothesis testing was through T test and simultaneous test. The results of this study show that service quality has a significant positive effect on customer satisfaction with the value of t = 1.796. Brand Equity has a significant positive effect on customer satisfaction with the value of t = 2.956. The results simultaneously show the magnitude of the F value with a significance of 0,000 <0.05, so it can be concluded that simultaneously service quality and brand equity variables affect customer satisfaction variables.

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Analisis Perilaku Konsumen, Perilaku Produsen, dan Pasar dalam Islam Pada Masyarakat

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In the current development of many economic activities that use the sharia system because the sharia system is not only beneficial to one party, but can benefit all parties, and the goal of the sharia system itself is to achieve mutual benefit. In the economy itself needs to pay attention about the behavior of consumers, producers and markets. Consumer behavior is a decision-making activity in purchasing activities. Consumer behavior can affect the number of requests and needs. Producer behavior is the activity of producing goods or services that can be used to meet consumer needs. This behavior influences the amount of production and supply of goods or services. Market behavior is a habitual pattern of the market including the decision making process as well as individual or organizational physical activities on certain products. The type of market also influences the prices of goods and services. In Islam, these three behaviors must be based on Islamic teachings, namely, monotheism, justice, nubuwah, caliph, ma’ad. It aims to bring benefits and benefit to the community and achieve the blessings and blessings of Allah SWT.

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