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Pengaruh Kualitas Pelayanan Perbankan Syariah Terhadap Kepuasaan Nasabah Mukaffi, Zaim Mukaffi; Pratomo, Ahmad Sidi; Choiruddin, Muhammad Nanang
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 4, No 2 (2016): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (4344.431 KB) | DOI: 10.18860/ed.v4i2.5460

Abstract

The research aims to; analyze whether the variable partial effect of service quality on customer satisfaction on Islamic Banking in Malang, determine and analyze whether the variable service quality simultaneously influence on customer satisfaction on Islamic Banking in Malang, knowing which variables among the service variable most dominant influence on on customer satisfaction on Islamic Banking in Malang. Analysis of the data in this study using multiple linear regression test subsequently used the F test, T and dominant to see the effect of each.The research result indicate that the value of F-test (3.722) F table (2.437) this indicates that variable tangibles, reliability, responsiveness, assurance, and empathy simultaneously (together) effect on customer satisfaction. While the partial test for tangibles variable (X1) where t test (1232) t table (2,571) this indicates that tangibles no effect on customer sataisfaction. For reliability (X2), t test (3428) t table (2571), that effect the reliability of customer satisfaction. For variable responsiveness (X3), t test (-.390) t table (2,571) responsiveness no effect on customer satisfaction. To guarantee (X4), t test (0.549) t table (2,571), variable warranty does not effect the customer satisfaction. For variable empathy (X5) regression coefficient of -0103, the t test (-0667) t table (2,571) and a variable empathy has no effect on customer satisfaction. While the dominant variable in yhe quality of services that effect customer satisfaction in the city of Malang Islamic Banking is variable Assurance (X$) with a contribution of 51%.
DETERMINAN RETURN SAHAM: JAKARTA ISLAMIC INDEX VS LQ 45 Dian Anggraini, Eka Ajeng; Pratomo, Ahmad Sidi
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 6, No 2 (2018): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (583.492 KB) | DOI: 10.18860/ed.v6i2.5751

Abstract

The aims of this research are to know the influence of modal structure, systematical risk, and liquidity to the contribution return that is done by differentiating two indexes; Jakarta Islamic Index (JII) and Liquid 45 (LQ45). This research is a qualitative research which takes the samples in the companies that is listed in JII and LQ45 period 2014-2016. The total samples are 33 companies by using purposive sampling method. In doing the analysis, this research is using a doubled regression method and balance test by using SPSS 21 program. The result of this research shows that the variable of systematic risk of JII and LQ45 indexes have a significant influence to the contribution return. However, the variable of the financial capital and liquidity of JII and LQ45 indexes does not have a significant influence to the contribution return. In the result of balance test, there is a significant difference in the variable of modal structure in JII and LQ45. Here, the different result will show that there are no significant differences between the variables of systematical risk, liquidity, and contribution return in JII and LQ45.
ANALISIS DETERMINAN VOLUME PERDAGANGAN SUKUK NEGARA RITEL SERI SR-007 Ni'mah, Laily Farikhatun; Pratomo, Ahmad Sidi
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 7, No 2 (2019): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v7i2.6685

Abstract

Trading volume of retail sukuk is the number of sheets of the State retail sukuk listed on the stock exchange. The country's retail sukuk issued to finance a deficit Budget of income and Expenditure of the State (STATE BUDGET) the purpose of this research is to examine and analyze the influence of internal factors and external factors against a trading volume of sukuk country retail series SR-007. This research uses descriptive kuantitaif approach. Researchers use the data monthly April 2015 period until March 2018. The variables used in this study is the price, the Yield to Maturity (YTM), exchange rates, For the results of Mudharabah Deposits, the BI rate, inflation and trading Volume of Sukuk Retail Series SR-007. The research analytical tool is Vector Error Correction models (VECM) using Eviews 9. The results of this research show that there is a short-term relationship between variables that influence positive YTM against trading volume of sukuk retail series SR-007. In a long term relationship variables YTM, the exchange rate, the BI Rate, and inflation provide a positive influence against the trading volume of sukuk retail series SR-007. Variable YTM on long term negative effect against the trading volume of sukuk retail series SR-007.
INDEKS DIMENSI MAKRO BAZNAS KOTA MATARAM BERDASARKAN INDEKS ZAKAT NASIONAL Pratomo, Ahmad Sidi; Afkar, Shulhan Zainul
Kodifikasia Vol 14, No 1 (2020)
Publisher : IAIN PONOROGO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/kodifikasia.v14i1.1937

Abstract

Kemiskinan menjadi permasalahan umum di negara berkembang, termasuk di Indonesia. Bagi umat islam, zakat merupakan instrumen pengentas kemiskinan. Indonesia sebagai salah satu negara dengan penduduk muslim terbesar, perlu peran penting antara pemerintah dan lembaga zakat untuk melakukan penghimpunan lebih masif. Beberapa daerah sudah memiliki Peraturan Daerah tentang pengelolaan zakat, salah satunya di BAZNAS Kota Mataram. PUSKASBAZNAS mengeluarkan indeks untuk mengukur kinerja perzakatan secara nasional maupun regional. Dimensi Makro pada Indeks Zakat Nasional digunakan untuk mengukur kinerja perzakatan dalam peran pemerintah dan masyarakat untuk mengembangkan lembaga zakat. Penelitian ini menggunakan pendekatan mixed methods dengan melakukan wawancara terhadap pimpinan BAZNAS Kota Mataram, kemudianmenentukan nilai indeks Dimensi Makro dengan menggunakan Multistage Weigh Index. Berdasarkan data wawancara yang didapat, BAZNAS Kota Mataram memiliki Peraturan Daerah tentang Pengelolaan Zakat, Infaq dan Sedekah, shingga indikator regulasi mendapatkan nilai indeks 1 yang berarti sangat baik. BAZNAS Kota Mataram juga mendapatkan dukungan APBD sebesar Rp 600 juta untuk biaya operasional, sehingga mendapatkan nilai indeks 0,5 yang berarti kinerjanya adalah baik, dan terakhir pada indikator database mendapat nilai indeks 0,33 yang berarti kinerja indikator ini adalah baik. Kinerja BAZNAS Kota Mataram berdasarkan Indeks Dimensi Makro pada Indeks Zakat Nasional adalah cukup baik dengan nilai indeks 5,99. [Poverty becomes a common problem in developing countries, including in Indonesia. For Muslims, zakat is a poverty alleviation instrument. Indonesia as one of the countries with the largest Muslim population needs an important role between the government and the zakat institution to conduct a more massive gathering. One of them already has a Regional Regulation on the management of zakat to optimize the collection of zakat, one of them is BAZNAS in Mataram City. PUSKAS BAZNAS issued an index to measure the performance of national and regional zakat. The Macro Dimension of the National Zakat Index is used to measure the performance of zakat in terms of the role of the government and society to develop zakat institutions. This study uses qualitative interviews with the leaders of BAZNAS in Mataram city, then Macro Dimension index value is determined using the Multistage Weigh Index. Based on the interview data obtained that BAZNAS in Mataram has Regional Regulations concerning Management of Zakat, Infaq and Alms, so that the regulatory indicators get an index value of 1 which means very good. BAZNAS of Mataram city received APBD support of Rp. 600 million for operational costs, so this indicator gets an index value of 0.5 which means its performance is good, and finally the database indicator gets an index value of 0.33 which means the performance this is good. The performance of BAZNAS in Mataram City based on the Macro Dimension Index on National Zakat Index is quite good with an index value of 5.99.] 
Analysis of The Impact of Financial Performance on Company Value with Corporate Social Responsibility and Good Corporate Governance as Moderating Variables Sulhan, Muhammad; Pratomo, Ahmad Sidi
MEC-J (Management and Economics Journal) Vol 4, No 2 (2020)
Publisher : Faculty of Economics, State Islamic University of Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/mec-j.v4i2.8196

Abstract

Today every company is trying to maximize the value of its company. Disclosure of company information is expected to be able to maximize the value of the company, including Good Corporate Governance (GCG), Corporate Social Responsibility (CSR), Financial Performance of the Company. The purpose of this study is to find out that CSR and GCG as moderating variables can strengthen or weaken the significance of the effect of financial performance (profitability, size, leverage, slack resources, and institutional ownership) on company value. This type of research is explanatory research; the population in this study are all Pharmaceutical companies listed on the Indonesia Stock Exchange (IDX). Determination of the sample is done using the purposive sampling method. Data analysis uses Moderated Regression Analysis (MRA) with the help of SPSS software. The results of this study indicate. First, Financial Performance profitability, size, leverage, and slack resources have a significant effect on company value in pharmaceutical companies. Second, CSR and GCG variables can strengthen the influence of Financial Performance that is proxied by profitability, size, leverage, slack resources, and institutional ownership of company value in pharmaceutical companies listed on the IDX.
Bank Wakaf Mikro dan Pemberdayaan Usaha Mikro Kecil dan Menengah di Indonesia Perspektif Maqashid Syariah Fakhruudin, Fakhruudin; Pratomo, Ahmad Sidi
De Jure: Jurnal Hukum dan Syari'ah Vol 13, No 2 (2021)
Publisher : Fakultas Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/j-fsh.v13i2.15485

Abstract

Micro Waqf Bank (BKM) is a form of community empowerment innovation through Islamic philanthropy. Even so, its development must still be measured using sharia principles so that it is in accordance with the teachings of Islam. This article aims to describe the potential and role of BKM in empowering Micro, Small and Medium Enterprises (MSMEs) in Indonesia. This article is based on empirical research with a conceptual approach. The location of this research is micro waqf bank located in three provinces, namely East Java, Yogyakarta, and West Nusa Tenggara. The results showed that the micro waqf bank which was the object of the research carried out financing through Corporate Social Responsibility (CSR) funds. The micro waqf banks studied are microfinance institutions that run their business activities based on sharia principles, so all agreements made must be guided by the DSN-MUI fatwa. Micro waqf banks participate in maintaining qasd al-syari' (God's purpose) through financing to their customers in order to realize prosperity.Bank Wakaf Mikro (BKM) merupakan wujud inovasi pemberdayaan masyarakat melalui filantropi Islam. Meskipun dmeikian perkembangannya harus tetap diukur menggunakan prinsip syariah agar sesuai dengan ajaran agama Islam. Artikel ini bertujuan  mendeskripsikan potensi  dan peran BKM  dalam pemberdayaan Usaha Mikro, Kecil dan  Menengah   (UMKM) di  Indonesia.  Artikel ini  berdasarkan penelitian empiris dengan pendekatan konseptual. Lokasi penelitian ini adalah bank wakaf mikro yang berada di tiga provinsi yaitu Jawa Timur, Yogyakarta, dan Nusa Tenggara Barat. Hasil penelitian menunjukkan bahwa bank wakaf mikro yang menjadi objek penelitian melakukan pembiayaan melalui dana Corporate Social Responsibility (CSR). Bank wakaf mikro yang diteliti merupakan lembaga  keuangan  mikro  yang menjalankan kegiatan usahanya  berdasarkan  prinsip syariah, sehingga seluruh kesepakatan  yang dilakukan harus berpedoman pada fatwa DSN-MUI. Bank wakaf mikro turut menjaga qasd al-syari’ (tujuan Allah) melalui pembiayaan kepada nasabahnya agar terwujud kesejahteraan.
INDEKS DIMENSI MAKRO BAZNAS KOTA MATARAM BERDASARKAN INDEKS ZAKAT NASIONAL Ahmad Sidi Pratomo; Shulhan Zainul Afkar
Kodifikasia: Jurnal Penelitian Islam Vol 14, No 1 (2020)
Publisher : IAIN PONOROGO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/kodifikasia.v14i1.1937

Abstract

Kemiskinan menjadi permasalahan umum di negara berkembang, termasuk di Indonesia. Bagi umat islam, zakat merupakan instrumen pengentas kemiskinan. Indonesia sebagai salah satu negara dengan penduduk muslim terbesar, perlu peran penting antara pemerintah dan lembaga zakat untuk melakukan penghimpunan lebih masif. Beberapa daerah sudah memiliki Peraturan Daerah tentang pengelolaan zakat, salah satunya di BAZNAS Kota Mataram. PUSKASBAZNAS mengeluarkan indeks untuk mengukur kinerja perzakatan secara nasional maupun regional. Dimensi Makro pada Indeks Zakat Nasional digunakan untuk mengukur kinerja perzakatan dalam peran pemerintah dan masyarakat untuk mengembangkan lembaga zakat. Penelitian ini menggunakan pendekatan mixed methods dengan melakukan wawancara terhadap pimpinan BAZNAS Kota Mataram, kemudianmenentukan nilai indeks Dimensi Makro dengan menggunakan Multistage Weigh Index. Berdasarkan data wawancara yang didapat, BAZNAS Kota Mataram memiliki Peraturan Daerah tentang Pengelolaan Zakat, Infaq dan Sedekah, shingga indikator regulasi mendapatkan nilai indeks 1 yang berarti sangat baik. BAZNAS Kota Mataram juga mendapatkan dukungan APBD sebesar Rp 600 juta untuk biaya operasional, sehingga mendapatkan nilai indeks 0,5 yang berarti kinerjanya adalah baik, dan terakhir pada indikator database mendapat nilai indeks 0,33 yang berarti kinerja indikator ini adalah baik. Kinerja BAZNAS Kota Mataram berdasarkan Indeks Dimensi Makro pada Indeks Zakat Nasional adalah cukup baik dengan nilai indeks 5,99. [Poverty becomes a common problem in developing countries, including in Indonesia. For Muslims, zakat is a poverty alleviation instrument. Indonesia as one of the countries with the largest Muslim population needs an important role between the government and the zakat institution to conduct a more massive gathering. One of them already has a Regional Regulation on the management of zakat to optimize the collection of zakat, one of them is BAZNAS in Mataram City. PUSKAS BAZNAS issued an index to measure the performance of national and regional zakat. The Macro Dimension of the National Zakat Index is used to measure the performance of zakat in terms of the role of the government and society to develop zakat institutions. This study uses qualitative interviews with the leaders of BAZNAS in Mataram city, then Macro Dimension index value is determined using the Multistage Weigh Index. Based on the interview data obtained that BAZNAS in Mataram has Regional Regulations concerning Management of Zakat, Infaq and Alms, so that the regulatory indicators get an index value of 1 which means very good. BAZNAS of Mataram city received APBD support of Rp. 600 million for operational costs, so this indicator gets an index value of 0.5 which means its performance is good, and finally the database indicator gets an index value of 0.33 which means the performance this is good. The performance of BAZNAS in Mataram City based on the Macro Dimension Index on National Zakat Index is quite good with an index value of 5.99.] 
MUDARABAH IMPLEMENTATION IN SAVINGS PRODUCTS AT BAITUL MAAL WA TAMWIL AL-YAMAN BANYUWANGI Al Jufri, Moh Abdul Basit; Pratomo, Ahmad Sidi; Al Jufri, Moh Iza
Tadayun: Jurnal Hukum Ekonomi Syariah Vol. 5 No. 1 (2024)
Publisher : Program Studi Hukum Ekonomi Syariah, Fakultas Syariah, Universitas Islam Negeri (UIN) Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/tadayun.v5i1.143

Abstract

This study examines the implementation of the mudarabah contract in savings products at BMT Al-Yaman Banyuwangi, focusing on the alignment of these practices with the Compilation of Islamic Economic Law (KHES) and the principles of maqasid sharia. This research used an empirical juridical method. This means that research collects data through observation, interviews, and documentation. The analysis results show that BMT Al-Yaman applies the unrestricted mudarabah contract in tabungan umum and tabungan pelajar products, with profit-sharing adjusted monthly. The study finds that the mudarabah practices at BMT Al-Yaman comply with the requirements and pillars established by KHES and support of Maqasid Sharia in creating justice and welfare for all parties involved. This research is expected to significantly contribute to academic literature and Islamic financial practices, particularly in applying the mudarabah contract in BMT savings products. Abstrak Penelitian ini mengkaji implementasi akad mudarabah pada produk tabungan di BMT Al-Yaman Banyuwangi, dengan fokus pada kesesuaian praktik tersebut terhadap Kompilasi Hukum Ekonomi Syariah (KHES) dan Maqasid Syariah. Menggunakan metode yuridis empiris, penelitian ini mengumpulkan data melalui observasi, wawancara, dan dokumentasi. Hasil analisis menunjukkan bahwa BMT Al-Yaman menerapkan akad mudarabah mutlaqah dalam produk tabungan umum dan pelajar, dengan bagi hasil yang disesuaikan setiap bulan. Penelitian ini menemukan bahwa praktik akad mudarabah di BMT Al-Yaman telah sesuai dengan syarat dan rukun yang ditetapkan oleh KHES, serta mendukung maqasid sharia dalam menciptakan keadilan dan kemaslahatan bagi semua pihak yang terlibat. Penelitian ini diharapkan dapat memberikan kontribusi signifikan terhadap literatur akademik dan praktik keuangan syariah, khususnya dalam konteks penerapan akad mudarabah di produk tabungan BMT.