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Implementasi Nisbah Bagi Hasil Produk Tabungan Mabrur Melalui Akad Mudharabah Mutlaqah dalam Perspektif Ekonomi Islam Aliyah, Hikmatul; Bimo, Widhi Ariyo; Maulani, Denia; Sopian, Rian
MONETER Vol 10 No 2 (2022): OKTOBER
Publisher : Fakultas Ekonomi dan Bisnis Universitas Ibn Kahldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v10i2.14682

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana penerapan akad Mudharabah Multaqah tabungan Mabrur dan Penerapan Nisbah Bagi Hasil Produk Tabungan Mabrur dalam Perspektif Islam pada PT. BPRS Amanah Ummah. Metode kualitatif deskriptif digunakan dengan mendeskripsikan penelitian berdasarkan kajian, uraian dan penjelasan yang diberikan dilengkapi dengan dokumentasi data pada tahun 2018 sampai dengan 2020 untuk mengukur perkembangan jumlah nasabah haji. Pengumpulan data dalam penelitian ini diperoleh melalui observasi awal objek penelitian dan wawancara. Pengelolaan dana mudharabah,BPRS Amanah Ummah akan membagikan hasil keuntungan kepada pemilik dana sesuai dengan nisbah yang telah disepakati di awal akad pembuka rekening. Penerapan sistem bagi hasil revenue sharing sebagai pembagian nisbah didasarkan pada seluruh nilai pendapatan yang diperoleh dengan komponen biaya yang dikeluarkan.
Efficiency Analysis of Sharia Regional Development Banks in Indonesia Using Two-Stages Data Envelopment Analysis Aliyah, Hikmatul; Maulani, Denia; Marlina, asti
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 1 (2023): APRIL
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i1.172

Abstract

The main objective of this study is to evaluate the efficiency level of Sharia Regional Development Banks between 2014 and 2017 using the Data Envelopment Analysis (DEA) method. The efficiency analysis results indicate that the efficiency level of Sharia Regional Development Banks during the study period from 2014 to 2017 was quite fluctuating. In 2014, five Sharia Regional Development Banks showed inefficiency, namely Bank DIY Syariah, Bank Jateng Syariah, Bank Jatim Syariah, Bank Kalsel Syariah, and Bank NTB Syariah. In 2015, four Sharia Regional Development Banks showed inefficiency, namely Bank Jateng Syariah, Bank Jatim Syariah, Bank Kaltimtara Syariah, and Bank NTB Syariah. In 2016, five Sharia Regional Development Banks showed inefficiency, namely Bank Jateng Syariah, Bank Sulselbar Syariah, Bank Kaltimtara Syariah, Bank NTB Syariah, and Bank Jatim Syariah. However, in 2017, only two Sharia Regional Development Banks showed inefficiency, namely Bank Jatim Syariah and Bank Kaltimtara Syariah.
Islamic Bank: Fatwa Perspective from The National Sharia Council of The Indonesian Ulama Council on Resolving Financing Problems Maulani, Denia; Artasya, Andini Nabilah; Bimo, Widhi Ariyo; Aliyah, Hikmatul
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.438

Abstract

Financing in Islamic banks has a level of risk that the possibility of default occurs, so it is necessary to analyze the correct financing by bank staff so as not to cause losses and require handling that is fast, precise and in accordance with sharia provisions. This study aims to determine the efforts to resolve problematic financing, the factors causing problematic financing and the suitability of the Fatwa of the National Sharia Council-Indonesian Ulema Council with existing financing at PT.BPRS Amanah Ummah. Qualitative-descriptive method by collecting data through interviews and documentations. During 2022, the percentage of non-performing financing at PT.BPRS Amanah Ummah Bogor Branch is 0% lower than the maximum percentage limit for non-performing financing determined Bank Indonesia of 5%, the performance of PT.BPRS Amanah Ummah Bogor Branch in 2020 -2022 is categorized as very healthy. Efforts made by PT.BPRS Amanah Ummah in dealing with problematic financing, namely taking an intensive approach to financing customers, providing customer summons, rescheduling and selling joint guarantees. Factors causing problematic financing consist of bank internal factors and bank external factors. Settlement of non-performing financing at PT.BPRS Amanah Ummah with the DSN-MUI Fatwa is in accordance with the review of the DSN-MUI Fatwa No.48/DSN-MUI/II/2005 concerning rescheduling murabahah bills and DSN-MUI Fatwa No.47/DSN-MUI /II/2005 concerning the settlement of murabahah receivables for customers unable to pay.
Determinant of Efficiency in the Indonesian Islamic Banks Aliyah, Hikmatul; Hamid, Abdul; Al Arif, Mohammad Nur Rianto
Signifikan: Jurnal Ilmu Ekonomi Vol. 12 No. 1 (2023)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v12i1.30376

Abstract

This study aims to analyze the factors that influence the level of efficiency of Islamic commercial banks in Indonesia. The research employs a panel data analysis and a non-parametric Data Envelopment Analysis (DEA) to measure the level of efficiency. The panel data analysis showed that company size, profitability, liquidity, and management significantly affect the level of efficiency of Islamic banks in Indonesia, while capital and financing risk have no significant impact. The efficiency of Islamic banks in Indonesia should be maintained by balancing the distribution of assets, ensuring portfolio diversification, maintaining sufficient liquidity, and paying attention to management quality. The originality of this study, to the best of the author's knowledge, is that it is the first study to examine the determinants of efficiency in Indonesian Islamic commercial banks using quarterly data from the period of 2015-2020. As a result, the data analyzed has a sufficient amount.JEL Classification: C02, C14, C23, G01How to Cite:Aliyah, H., Hamid, A., & Al Arif, M. N. R. (2023). Determinants of Efficiency in the Indonesian Islamic Banks. Signifikan: Jurnal Ilmu Ekonomi, 12(1), 161-174. https://doi.org/10.15408/sjie.v12i1.30376.
THE INFLUENCE OF THE USE OF INFORMATION AND ORGANIZATIONAL COMMUNICATION TECHNOLOGY ON THE PERFORMANCE OF VILLAGE APPARATUS IN PASIR DISTRICT EAST LAMPUNG SAKTI Aliyah, Hikmatul; Buchori, Buchori; Anhari, Ahmad
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8 No 1 (2024): IJEBAR : Vol. 8, Issue 1, March 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i1.12514

Abstract

For the development of public services, government organizations need to be able to create and enhance services. Resources are necessary for all organizations, including governmental and commercial ones, to accomplish their objectives. One organizational resource that is essential to reaching shared objectives is human resources. The public expects the government to provide quality services. Performance evaluations are given to employees. Village authorities in the Pasir Sakti District of East Lampung are among the staff members whose work is evaluated and in need of improvement in order to promote organizational performance. The degree of service provided by village government personnel is measured by their performance. "The Influence of Organizational Information and Communication Technology on the Performance of Village Officials in Pasir Sakti District, East Lampung" is the research's stated goal. Since the research is given as statistics, the author in this instance used a quantitative approach to perform the study. Keywords: Information Technology, Organizational Communication, Employee performance
THE INFLUENCE OF THE USE OF INFORMATION AND ORGANIZATIONAL COMMUNICATION TECHNOLOGY ON THE PERFORMANCE OF VILLAGE APPARATUS IN PASIR DISTRICT EAST LAMPUNG SAKTI Fauzi, Fauzi; Aliyah, Hikmatul; Qomariyah, Nurul; Sugiono, Sugiono
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8 No 1 (2024): IJEBAR : Vol. 8, Issue 1, March 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i1.12646

Abstract

In this context, research on the impact of training and employment incentives on the performance of Siskeudes operators in the district of Seketar, East Lampung becomes important. This research will look at whether the training given to Siskeude operators has a positive impact on their performance. In addition, the research will also dig into the influence of employment inducements on Siskeudas operators' performance in that district. This research uses descriptive quantitative methods. The data collection technique in this study is a questionnaire with samples of 17 respondents using saturated sampling techniques. The data analysis technique used in this study is simple regression with the help of the SPSS 16 application. The results of this study suggest that job training variables have a positive and significant impact on employee performance. The correlation factor was 67.3%, while the remaining 32.7% was influenced by other factors that were not included in the study. Keywords: Training, Incentive, Performance
THE INFLUENCE OF ADDITIONAL EMPLOYEE INCOME ON EMPLOYEE PERFORMANCE IN THE LAND OFFICE EAST LAMPUNG DISTRICT Fauzi, Fauzi; Aliyah, Hikmatul; Saputro, Joko
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8 No 1 (2024): IJEBAR : Vol. 8, Issue 1, March 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i1.12784

Abstract

Conceptually and empirically, measurement of staff performance and additional income is closely linked to the core tasks and functions of the work unit. Additional amount of income for civil servants is awarded based on the respective posts occupied by officials, both structural and functional. The research is aimed at finding out the impact of the employee income tax on the performance of employee farm office in East Lampung district. This research uses descriptive quantitative methods. The data collection technique in this study is a questionnaire with samples of 46 respondents using saturated sampling techniques. The data analysis technique used in this study is simple regression with the help of the SPSS 16 application. Conceptually and empirically, measurement of staff performance and additional income is closely linked to the core tasks and functions of the work unit. Additional Scale The results of this study suggest that the additional variable of employee income has a positive and significant impact on the performance of the employee of the land office of the East Lampung District. As for the correlation coefficient of 51.2%, while the remaining 48.8% was influenced by other factors that were not included in this study. Keywords: additional employee income, performance
The Effect of Reward Implementation and Non-Financial Work Environment on Employee Loyalty at Toko Femina Metro Lampung Aliyah, Hikmatul; Buchori, Buchori; Sugiono, Sugiono; Sari, Dame Dwinta
Journal of Research in Social Science and Humanities Vol 6, No 1 (2026): March 2026
Publisher : Utan Kayu Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47679/jrssh.v6i1.549

Abstract

This study aims to analyze the effect of reward implementation and work environment on employee loyalty at Toko Femina Metro. The research employs a quantitative approach with a survey method. The population and sample consist of 35 employees, selected using a saturated sampling technique. Data were collected through questionnaires and analyzed using multiple linear regression analysis with SPSS.The results show that rewards have a positive and significant effect on employee loyalty. Likewise, the work environment also has a positive and significant effect on employee loyalty. Simultaneously, rewards and the work environment significantly influence employee loyalty, with a coefficient of determination (R²) of 0.536, indicating that 53.6% of employee loyalty can be explained by the two independent variables, while the remaining 46.4% is influenced by other factors outside the research model.These findings imply that organizations should implement fair and transparent reward systems and create a conducive work environment to enhance employee loyalty. This study contributes to human resource management literature by highlighting the importance of rewards and work environment in fostering employee loyalty in the retail sector
The Influence of Marketing Strategy and Achievement Quantity on Consumer Purchasing Decisions of Wardah Products at the Femina Metro Lampung Store Sugiono; Aliyah, Hikmatul; Buchori; Fenny Yulia Putri
Jurnal QOSIM : Jurnal Pendidikan, Sosial & Humaniora Vol 4 No 2 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/jq.v4i2.5492

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh strategi pemasaran dan kuantitas achievement terhadap keputusan pembelian konsumen produk Wardah di Toko Femina Metro Lampung. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan teknik pengumpulan data melalui kuesioner kepada 100 responden. Teknik analisis data yang digunakan meliputi uji validitas, reliabilitas, uji asumsi klasik, serta analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa seluruh instrumen penelitian valid dengan nilai r hitung > 0,361 dan reliabel dengan nilai Cronbach’s Alpha > 0,80. Uji asumsi klasik menunjukkan bahwa data berdistribusi normal, tidak terjadi multikolinearitas (Tolerance > 0,10; VIF < 10), dan tidak terjadi heteroskedastisitas. Hasil uji regresi menunjukkan bahwa strategi pemasaran berpengaruh positif dan signifikan terhadap keputusan pembelian dengan nilai koefisien sebesar 0,462 dan signifikansi 0,001. Kuantitas achievement juga berpengaruh positif dan signifikan dengan nilai koefisien sebesar 0,381 dan signifikansi 0,003. Secara simultan, kedua variabel berpengaruh signifikan terhadap keputusan pembelian dengan nilai F hitung sebesar 21,457 dan signifikansi 0,000. Nilai koefisien determinasi (R²) sebesar 0,613 menunjukkan bahwa 61,3% keputusan pembelian dipengaruhi oleh strategi pemasaran dan kuantitas achievement. Kesimpulannya, strategi pemasaran dan kuantitas achievement memiliki peran penting dalam meningkatkan keputusan pembelian konsumen, sehingga perusahaan perlu mengintegrasikan kedua aspek tersebut untuk meningkatkan kinerja pemasaran.
Market Anomaly (January Effect) in the Indonesian Capital Market Maulani, Denia; Hanifan, M. Zakie; Azmia, Nora; Aliyah, Hikmatul; Salamah, Defina Hantin Fikri
Neraca Keuangan : Jurnal Ilmiah Akuntansi dan Keuangan Vol. 20 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/neraca.v20i3.22242

Abstract

The company's strategy to improve its financial performance is to sell stocks that are expected to incur losses. This study uses secondary data on closing stock prices on the Indonesia Stock Exchange (IDX30) for the study period of 2020 to 2024. The January effect occurs when there is a difference in return values in January compared to other months. The variables used in this study include stock returns, abnormal returns, and trading volume activity. A company's strategy to improve its financial performance involves divesting stocks projected to incur losses at low prices at the end of the year and repurchasing large amounts, boosting the prices of stocks deemed to have good future prospects. The market anomaly discussed in this study is the January Effect. Investors and financial managers will divest stocks projected to incur losses. Another reason is to reduce taxes on stock ownership. When January is optimistic and data analysis is strong, they will repurchase large amounts, boosting the prices of stocks deemed to have good future prospects.This study was conducted to determine the best ARIMA model for the January Effect anomaly, reflecting the differences in stock returns in January compared to other months for companies listed on the Indonesia Stock Exchange (IDX). The dynamic market conditions in each research period illustrate the need for a study on testing market anomalies in the Indonesian Capital Market by providing important information regarding the potential and a real picture of the prospects and potential returns at the beginning of the year. The study results show several model estimations for abnormal return including ARMA (2,0), ARMA (0,3) and ARMA (2,3). The best ARIMA model estimation is ARMA (2.3) represented by the equation Y_t=β_0+β_1 Y_(t-1)+β_2 Y_(t-2)+e_t+α_1 e_(t-1)+α_2 e_(t-2)+α_3 e_(t-3). The January effect is indicated by the discovery of abnormal returns, fitting within the semi strong form of the efficient market hypothesis. Meanwhile, the best model for trading volume activity is ARMA (1,1) with the equation for the model being Y_t=β_0+β_1 Y_(t1)+α_0 e_t+α_1 e_(t-1). Market anomalies are indicated by the discovery of abnormal returns, which is in line with the efficient market hypothesis.