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All Journal Biota: Jurnal Ilmiah Ilmu-Ilmu Hayati Social, Humanities, and Educational Studies (SHEs): Conference Series Jurnal Ilmiah Edunomika (JIE) BERNAS: Jurnal Pengabdian Kepada Masyarakat Jurnal Ilmu Manajemen Retail Universitas Muhammadiyah Sukabumi (JIMAT UMMI) International Journal of Business, Law, and Education Journal Of Human And Education (JAHE) Journal of Innovation in Management, Accounting and Business Jurnal Manajemen, Akuntansi, Ekonomi Mutiara : Jurnal Ilmiah Multidisiplin Indonesia Involvement International Journal of Business Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Ecobankers : Journal of Economy and Banking
Tarjono, Tarjono
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Model Pembiayaan Musharakah (Profit And Loss Sharing): Studi: Analisa di Berbagai Bank Syariah di Indonesia Paturohman, Paturohman; Tarjono, Tarjono
Ecobankers : Journal of Economy and Banking Vol. 2 No. 1 (2021): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v2i1.324

Abstract

The purpose of this research is to find out the financing model for Islamic financial institutions in Indonesia. Musharakah (PLS) contains basic principles that help each other and contain the values of justice because between the two shirkah friends must enjoy each other's profit-sharing and bear the risk together (loss sharing). Therefore, the author intends to examine the Musharakah that applies the essence of what is implied in the Musharakah, namely profit and loss sharing using qualitative methodology. The study method is used by the author to study data in the form of books, books, journals in existing libraries. The result of his research, that Musharakah in theory contains the values of justice and mutual help that is implemented with profit and loss sharing. While Musharakah in its application to Islamic financial institutions in Indonesia is still not maximum apply pls as a whole because LKS is more rotating on business-oriented solely so use sharing revenue which is the distribution of gross results because LKS does not want to bear the risk and seems to turn a blind eye if the partner suffers losses. Abstrak Tujuan dari penelitian ini untuk mrengetahui model pembiayaan pada lembaga keuangan Syariah di Indonesia. Musharakah (PLS) mengandung prinsip dasar yang saling membantu antara satu dengan yang lainnya dan mengandung nilai-nilai keadilan karena antara kedua-dua rakan shirkah itu mesti harus saling menikmati keuntungan bersama (profit sharing) dan saling menanggung risiko bersama (loss sharing). Oleh itu, penulis bermaksud mengkaji tentang Musharakah itu yang benar-benar mengaplikasikan esensi daripada apa yang tersirat dalam Musharakah itu yakni profit and loss sharing dengan menggunakan metodologi kualitatif. Metode telaah dipakai oleh penulis untuk menelaah data-data yang berupa kitab-kitab, buku, jurnal yang ada pada perpustakaan-perpustakaan yang ada. Hasil penelitiannya, bahwa Musharakah itu secara teori mengandung nilai-nilai keadilan dan saling tolong menolong yakni terimplementasinya dengan profit and loss sharing itu. Sedangkan Musharakah dalam aplikasinya pada lembaga-lembaga keuangan syariah di Indonesia masih belum secara makasimal menerapkan PLS secara utuh karena LKS lebih berorentasi pada busness orented semata jadi menggunakan revenue shariang yang mana pembagian hasil secara kotor karena LKS tidak mau menanggung resiko dan seolah-olah menutup mata apabila pathnernya mengalami kerugian.
Pengaruh Persepsi dan Religiusitas Santri Terhadap Minat Menabung di Bank Syariah Cahyono, Heru; Amin, Nur Muhammad Faiz; Tarjono, Tarjono; Mardiansyah, Agung
Ecobankers : Journal of Economy and Banking Vol. 2 No. 2 (2021): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v2i2.480

Abstract

This study aims to determine whether the perception and religiosity of the students of the Islamic boarding school of Tarbiyatul Banin, Kaliwadas sub- district, Sumber sub-district, Cirebon district have an effect on the interest in saving in Islamic banks. This research uses quantitative research. The data collection technique used a questionnaire with a Likert scale to obtain data on the influence of student perceptions (X1) and student religiosity (X2) on interest in saving in banks Islamic (Y). This study is a population study, taking data on MA level students with a total of 250 students, then the research sample is 30% of the total population with a total of 75 respondents using accidental sampling, observations and research were carried out by the author in January 2021. The results of this study indicate that there is a positive and significant influence on the perception and religiosity of the students of the Islamic boarding school of Tarbiyatul Banin, village of Kaliwadas, sub-district of Sumber, regency of Cirebon on the interest to save in Islamic banks. This can be proved by looking at the results of the F test which shows F count> F table, namely 29,990> 3.12 and a significance value of 0.000 <0.05 so that one can conclude that Ho is rejected and Ha is accepted. We can therefore conclude that there is a positive and significant influence between the perception and the religiosity of the students of the Islamic boarding school of Tarbiyatul Banin, Kaliwadas sub-district, Sumber district, Cirebon regency on the interest of saving in the Islamic banks. The implication of the research results shows that the perception and level of religiosity of students affects interest in saving in Islamic banks. Abstrak Penelitian ini bertujuan untuk mengetahui apakah persepsi dan religuisitas santri pondok pesantren tarbiyatul banin kelurahan kaliwadas kecamatan sumber kabupaten cirebon ini berpengaruh terhadap minat menabung di bank syariah. Penelitian ini menggunakan jenis penelitian kuantitatif. Teknik pengumpulan data dengan menggunakan kuesioner dengan skala likert untuk mendapatkan data pengaruh persepsi santri (X1) dan religuisitas santri (X2) terhadap minat menabung di bank syariah (Y). Penelitian ini merupakan penelitian populasi, dengan mengambil data santri tingkat MA dengan jumlah 250 santri, kemudian untuk sampel penelitian adalah 30% dari jumlah popolasi dengan jumlah 75 responden dengan menggunakan Accidental sampling, Observasi dan penelitian dilakukan dilakukan penulis pada bulan januari 2021. Hasil penelitian ini menunjukan bahwa terdapat pengaruh yang positif dan signifikan Persepsi dan Religiusitas Santri Pondok pesantren Tarbiyatul Banin Kelurahan Kaliwadas Kecamatan Sumber Kabupaten Cirebon terhadap Minat menabung di bank syariah. Hal ini dapat dibuktikan dengan melihat hasil uji F yang menunjukan F hitung > F tabel yaitu 29.990 > 3.12, dan nilai signifikansi 0.000 < 0.05 sehingga dapat disimpulkan Ho ditolak dan Ha diterima. Maka dapat disimpulkan bahwa terdapat pengaruh positif dan signifikan antara persepsi dan riliguisitas santri pondok pesantren tarbiyatul banin kelurahan kaliwadas kecamatan sumber kabupaten cirebon terhadap minat menabung di bank syariah. Implikasi hasil penelitian menunjukan bahwa persepsi dan tingkat religiusitas santri berpengaruh terhadap minat menabung di bank syariah.
Pengaruh Kualitas Pelayanan Customer Service Terhadap Kepuasan Nasabah Pada Bank Syariah (Studi Kasus Bank Bjb Syariah KCP Pabuaran) Sumarno, Sumarno; Dapiah, Dapiah; Edirianto, Sunardi; Tarjono, Tarjono; Maulana, Ikbal
Ecobankers : Journal of Economy and Banking Vol. 3 No. 1 (2022): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v3i1.883

Abstract

AbstrakPengaruh Kualitas Pelayanan Customer Service Terhadap Kepuasan Nasabah Pada Bank Syariah (Studi Kasus Bank Bjb Syariah KCP Pabuaran). Kajiannya dilatar belakangi oleh begitu pesatnya kemajuan ekonomi terutama dibidang perbankan, setiap perusahaan perbankan selalu melakukan yang terbaik bagi nasabahnya, perusahaan juga harus lebih prima dalam bidang pelayanan karena itu salah satu kualitas perusahaan perbankan agar nasabah merasa puas. Salah satunya kualitas pelayanan customer service yang menjadi faktor utama dalam meningkatkan kepuasan nasabah. Penelitian ini bertujuan untuk mengetahui adanya Pengaruh Kualitas Pelayanan Customer Service Terhadap Kepuasan Nasabah Pada Bank Syariah (Studi Kasus Bank Bjb Syariah KCP Pabuaran). Dengan begitu menjadi tolak ukur perusahaan perbankan untuk meningkatkan kualitas perusahaannya di masa yang akan datang.Penelitian ini adalah jenis penelitian kuantitatif dengan menggunakan metode, dokumentasi, observasi dan angket. Teknik pengumpulan data dengan menggunakan angket untuk mendapatkan data tentang Kualitas Pelayanan Customer Service (X) dan dokumen untuk mendapatkan data tentang Kepuasan Nasabah (Y). Penelitian ini merupakan populasi, karena mengambil seluruh nasabah Bank Bjb Syariah KCP Pabuaran dengan jumlah subjek penelitian sebanyak 50 responden. Data yang terkumpul dianalisis menggunakan teknik analisis regresi linear sederhana dengan dua variabel yaitu variabel X (Kualitas Pelayanan Customer Service) dan variabel Y (Kepuasan Nasabah). Kemudian data tersebut diolah untuk mengetahui dan menjawab permasalahan yang dibahas dalam penelitian ini. Selanjutnya, hasil dari perhitungan statistik dengan koefisien regresi, dimana terdapat korelasi yang positif antara kualitas pelayanan customer service (X) terhadap kepuasan nasabah (Y). Hal ini dibuktikan dari nilai signifikansi dari koefisien regresi variabel kualitas pelayanan customer service (X) terhadap kepuasan nasabah (Y) yaitu sebesar 0,000 kurang dari (<) 0,05 dan nilai t hitung lebih dari (>) t tabel atau 4,176 > 2,010. Kualitas pelayanan customer service dapat memberikan keunggulan lebih bagi pegawai dan perusahaan. Dengan adanya kualitas pelayanan customer service ini, diharapkan kepuasan nasabah pada bank syariah akan meningkat. Penelitian ini diharapkan akan menjadi bahan informasi serta masukan bagi pegawai dalam melayani nasabah di bank BJb Syariah KCP Pabuaran.Kata Kunci: Kualitas, Pelayanan, Kepuasan, Nasabah
Digital Marketing Socialization in Building a Business Mentality from an Early Age in High School Students Throughout Indonesia Sumardi, Sumardi; Siska, Emi Yulia; Permana, Ujang; Putra, Wira Pramana; Tarjono, Tarjono
Journal Of Human And Education (JAHE) Vol. 4 No. 3 (2024): Journal of Human And Education
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jh.v4i3.999

Abstract

Digital marketing is promotional activities and market search through online digital media by utilizing various means such as social networks. Social media is growing very rapidly nowadays because everyone feels like they can have their own media. Social media also does not escape the various functions that we can take on, such as building relationships, opening and looking for jobs, and also doing business with social media. The most relevant business strategy in the marketing aspect uses digital tools or known as digital marketing, namely marketing methods carried out using digital instruments, especially the internet and the various applications contained in it and equipment that supports the use of these media, which allows the creation of a network or connectedness with many parties, in this case between sellers and customers, without being limited by distance, time and place. In today's modern era, the potential for entrepreneurship among young people is very large. Because the role of the younger generation in building the nation is very large, the young generation's broad way of thinking can make changes and can be a pioneer in creating new things. This Community Service was carried out at Senior High School Number 8 Tamalate District, Makassar City, South Sulawesi. In obtaining the data used were observation and literature study. This service activity is an effort to build a business mentality from an early age in high school students at Senior High School Number 8 Tamalate District, Makassar City, South Sulawesi through Digital Marketing Socialization. This effort was motivated by the lack of implementation of the formation of a business mentality at a young age for students who want to start a business at a young age through digital marketing at Senior High School Number 8 Makassar. As a form of the author's thinking, several efforts and breakthroughs are offered, namely; 1.) Children are given mental reinforcement on how to become entrepreneurs at a young age, 2.) Increase the income of high school students who want to start a business at a young age through digital marketing as a promotional tool to create business opportunities for students so that students are able to compete and create entrepreneurs youth and open up job opportunities.
Analisis Strategi Pemasaran Syariah Dalam Meningkatan Minat Beli Produk Abon Ikan Sukarnoto, Toto; Tarjono, Tarjono; Fauziyyah, Nur
Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Vol. 4 No. 2 (2023): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to determine sharia marketing strategies in increasing consumer buying interest in shredded catfish products at Winny Shredded Fish Sukapura-Cirebon. In this study, the method used is a qualitative method with a descriptive study. Qualitative research is research that describes current events, and describes these images, systematically and relates to the phenomenon being studied. This method seeks to present data and facts about the analysis of strategies to increase consumer buying interest in shredded catfish products at Winny Shredded Fish Sukapura-Cirebon by way of observation, in-depth interviews, documentation and triangulation. The subjects studied were owners, marketing, and consumers of Winny Shredded Fish. Based on the results of the research, the sharia marketing strategy in increasing consumer interest in buying shredded catfish products at Winny Shredded Fish Sukapura-Cirebon applies a word of mouth system with door to door and online marketing with a 4p marketing strategy. The sharia marketing strategy in increasing consumer buying interest for shredded catfish products at Winny Shredded Fish Sukapura-Cirebon has been quite good by applying the characteristics of sharia marketing, it has been proven that it already has many customers and agents as well as resellers in the Cirebon area and outside the city of Cirebon.Keywords : Marketing, Interest, Shrdded and Catfish Abstrak Penelitian ini bertujuan untuk mengetahui strategi pemasaran syariah dalam meningkatkan minat beli konsumen produk abon ikan lele di Winny Abon Ikan Sukapura-Cirebon. Dalam penelitian ini, metode yang digunakan adalah metode kualitatif dengan studi deskriptif. Penelitian kualitatif adalah penelitian yang menggambarkan peristiwa masa sekarang, dan mendeskripsikan gambaran tersebut, secara sistematis dan berhubungan dengan fenomena yang diteliti. Metode ini berusaha menyajikan data dan fakta-fakta tentang analisis strategi meningkatkan minat beli konsumen produk abon ikan lele di Winny Abon Ikan Sukapura-Cirebon dengan cara observasi, wawancara mendalam, dokumentasi dan triangulasi. Subjek yang diteliti yaitu owner, pemasaran, dan konsumen Winny Abon Ikan. Berdasarkan hasil penelitian, strategi pemasaran syariah dalam meningkatkan minat beli konsumen produk abon ikan lele di Winny Abon Ikan Sukapura-Cirebon ini menerapkan sistem word of mounth dengan dor to dor dan pemasaran lewat online dengan strategi pemasaran 4p. Strategi pemasaran syariah dalam meningkatkan minat beli konsumen produk abon ikan lele di Winny Abon Ikan Sukapura-Cirebon sudah cukup baik dengan menerapkan karakteristik marketing syariah terbukti sudah memiliki banyak pelanggan dan agen-agen juga reseller di wilayah Cirebon dan diluar kota Cirebon. Kata kunci : Pemasaran, Minat, Abon dan Ikan lele
EFEKTIVITAS PELATIHAN KERJA TERHADAP PRESTASI KERJA KARYAWAN Prita, Laras; Tarjono, Tarjono; Rianto, Toha
Jurnal Ilmu Manajemen Retail Universitas Muhammadiyah Sukabumi Vol. 4 No. 1 (2023): Jurnal Ilmu Manajemen Retail (JIMAT) Universitas Muhammadiyah Sukabumi
Publisher : Fakultas Ekonomi Universitas Muhammadiyah Sukabumi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37150/jimat.v4i1.1979

Abstract

This research was conducted at PT Indonesia Power Pelabuhanratu Sukabumi. The purpose of this study was to find out how the work performance of PT Indonesia Power Pelabuhanratu Sukabumi employees in relation to job training. The study population was 50 employees of PT Indonesia Power Pelabuhanratu Sukabumi. The sample used in this study is the census method, which is both primary and secondary data. Linear regression is the data analysis approach used. The results showed that job training positively influences employee job performance. Job training has an influence of 73.4% on employee job performance, while other factors have an influence of 26.6%. It was concluded that job training at PT Indonesia Power Pelabuhanratu Sukabumi has been good in influencing employee work performance.
THE INFLUENCE OF FINANCIAL LITERACY ON INVESTMENT INTEREST WITH FINANCIAL BEHAVIOR AS A MODERATING VARIABLE Tarjono, Tarjono; Atiqah, Raden Roro; Utami, Eva Yuniarti; Herawati, Herawati; Anggraini, Asterina
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 1 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v9i1.16407

Abstract

ABSTRACTThis research is a quantitative study with an explanatory approach. The data used in this article is primary data that researchers obtained from various credible sources and have been used in every existing study. The primary data obtained by the study came from 300 employees of PT Sampurna spread throughout Indonesia. The researcher distributed an online questionnaire containing 10 questions from four statements. The data obtained were analyzed using the smart PLS 4.0 analysis tool. The result in this article show that the Financial Literacy variable can have a positive relationship direction and a significant influence on the Investment Interest variable, namely 0.016 which is smaller than 0.05. This is because good Financial Literacy can make employees' thinking good and ultimately interested in investing. The next hypothesis also shows the same results that the Financial Behavior variable can moderate the influence of the Financial Literacy variable on the Investment Interest variable. This is because the P-Values are positive and below the significance level of 0.05, namely 0.000 which is smaller than the direct test of 0.016. Thus, the first and second hypotheses in this article can be accepted.  Keywords: Investment Interest, Financial Literacy, Financial Behavior
Co-Authors Amin, Nur Muhammad Faiz Anak Agung Istri Sri Wiadnyani Anggraini, Asterina Atiqah, Raden Roro Dapiah, Dapiah Dwi Pasca, Yelsha Edirianto, Sunardi Eva Desembrianita Fauziyyah, Nur Gilang Bhirawa Noraga Hendrawan, Yadi Herawati Herawati Heru Cahyono Mardiansyah, Agung Masoud Ghorbanhosseini Maulana, Ikbal Paturohman, Paturohman Prita, Laras Putra, Wira Pramana Rabani, Burhanudin Rianto, Toha Siska, Emi Yulia Sri Mulyono Sukarnoto, Toto Sumardi . Sumarno . Supendi, Supendi Supriyanto, Wawan Ujang Permana, Ujang Utami, Eva Yuniarti