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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Informatika Ekonomi Bisnis Share: Jurnal Ekonomi dan Keuangan Islam Salam (Islamic Economics Journal) Jurnal Informatika Ekonomi Bisnis JEIZA: Jurnal Ekonomi Islam Az-Zain Jurnal Pengabdian Masyarakat (Z-COVIS)
Noven, Sarah Annisa
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Mathematics Social Sciences Other

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Formulasi Strategi Pemasaran Produk Keagenan Perbankan Syariah (Studi Kasus Bank Syariah Indonesia Regional Jakarta) Cupian, Cupian; Noven, Sarah Annisa; Safina, Safa Nur
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 02 (2025): JIEI : Vol. 11, No. 02, 2025
Publisher : ITB AAS INDONESIA Surakarta

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Abstract

Sejak resmi diluncurkan di wilayah regional Jakarta pada tahun 2022, produk keagenan Bank Syariah Indonesia yang bernama BSI Smart telah menunjukkan pertumbuhan yang baik dalam jumlah agen. Meskipun demikian, kenyataannya jumlah agen yang telah tersebar masih jauh lebih sedikit dibandingkan dengan produk keagenan bank konvensional. Penelitian ini bertujuan untuk merumuskan strategi pemasaran bagi BSI Smart Bank Syariah Indonesia Regional Jakarta. Penelitian ini menggunakan pendekatan kualitatif dan kuantitatif dengan metode analisis matriks IFE, EFE, IE, SWOT, dan QSPM. Sumber data dalam penelitian ini berasal dari data primer dan sekunder. Metode pengambilan sampel menggunakan teknik purposive sampling, di mana responden yang dipilih terdiri dari pihak Bank Syariah Indonesia, Agen BSI Smart, dan Dosen. Hasil analisis matriks IE menunjukkan bahwa BSI Smart berada pada kuadran 1, yang berarti produk BSI Smart berada dalam posisi pertumbuhan dan perlu dikembangkan. Sementara itu, melalui matriks SWOT, penelitian ini menghasilkan enam strategi alternatif yang kemudian diprioritaskan menggunakan analisis QSPM.
Perbandingan Efektivitas Transmisi Moneter Kredit Perbankan Konvensional dan Syariah di Indonesia serta Hubungannya dengan Pergerakan Suku Bunga Cupian, Cupian; Ahmadsyah, Ibnu; Noven, Sarah Annisa
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 05 (2025): JIEI : Vol. 11, No. 05, 2025
Publisher : ITB AAS INDONESIA Surakarta

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Monetary transmission is aimed to stabilize prices and to increase output in the long run. This study compares the effectiveness of transmission of conventional and Islamic banking loans in Indonesia to the consumer price index (CPI) and industrial production index (IPI), to find out which transmission is more effective and the direction of its influence, and to see the role of credit interest rates or its equivalent to the amount of credit or financing as the most important variable in transmission, to test the authenticity of Islamic banks in relation to interest rates. Secondary data used is sourced from Bank Indonesia, Federal Reserve Economic Data, OJK, BPS, and BIS, by using the quantitative Vector Error Correction Model (VECM) method with the period of January 2009 – December 2017. The results of the study show that the transmission of conventional bank credit is more effective in influencing the monetary end target. Meanwhile, Islamic banks are actually more responsive than conventional banks towards increasing interest rates or their equivalent in the decision to grant financing, so it can be concluded that Islamic banking faces a higher risk of fluctuations in interest rates.
Proxy Pembiayaan Green Financing pada Bank Umum Syariah terhadap Energi Terbarukan (2005-2024) Meylani, Raisha Alya Meylani; cupian, Cupian; Noven, Sarah Annisa
Salam (Islamic Economics Journal) Vol. 7 No. 1 (2026): Januari 2026 (Special Edition)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/hz8ctp30

Abstract

This study examines the development of green financing proxied by financing in the sector of electricity, gas, and water at Islamic Commercial Banks in Indonesia during the period 2005-2024. Using a descriptive-quantitative approach and secondary data, the analysis focuses on trends, proportional allocation, and changes in financing patterns within the framework of sustainable finance policies. The findings indicate that financing in the proxy sectors has increased gradually, although its proportion to total Islamic Commercial Bank financing remains relatively limited. The implementation of sustainable finance policies, including the Roadmap for Sustainable Finance, POJK No. 51/POJK.03/2017, and the Indonesian Green Taxonomy, is associated with a more consistent allocation of financing, albeit through a gradual adjustment process. In parallel, the development of renewable energy in Indonesia has progressed more steadily than the growth of Islamic bank financing in the proxy sectors. From an Islamic economics perspective, these findings reflect a significant internalization of maqāṣid al-sharī’ah, particularly hifz al-bi’ah, within the financing practices of Islamic Commercial Banks.
ANALISIS PENGARUH VARIABEL MAKROEKONOMI DAN RISIKO GEOPOLITIK TERHADAP PERGERAKAN JAKARTA ISLAMIC INDEX 2014-2024 Cupian, Cupian; Noven, Sarah Annisa; Rohma, Naili
Salam (Islamic Economics Journal) Vol. 8 No. 2 (2026): June 2026
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/8z8jgn64

Abstract

Utilizing secondary data gathered on a monthly basis spanning 2014–2024 sourced from the Indonesia Stock Exchange, Bank Indonesia, the World Gold Council, and the Geopolitical Risk Index, this investigation employs a quantitative framework. The analytical procedure involved multiple linear regression estimated via Ordinary Least Squares, preceded by stationarity assessments, classical assumption checks, and heteroskedasticity correction through robust standard errors. The objective was to scrutinize the influences of inflation, exchange rates, global gold prices, and geopolitical risk on the Jakarta Islamic Index. Findings reveal that inflation and geopolitical risk exert no statistically significant impact on the index. In contrast, the exchange rate demonstrates a negative and significant effect at the 5% level, whereas global gold prices exhibit a positive and significant effect at the 10% level. Collectively, these four determinants significantly influence the Jakarta Islamic Index. The model's coefficient of determination shows that 10.97% of the index's variability is accounted for, with the remainder attributable to factors beyond the model. These outcomes offer valuable insights for investors making decisions in the Islamic capital market by considering macroeconomic conditions and global risk.
Co-Authors Abadi, Rayfana Kuntum afifah, najla Ahmadsyah, Ibnu Anindya, Anindya Asep Muhammad Adam Cupian Cupian Fathi, Auliya Fitri Hastuti Galih Nugraha Hanapia, Asep Yusup Meylani, Raisha Alya Meylani Nabela Hapsari Rahmah Rahmah Rohma, Naili Rusliana, Nanang Safina, Safa Nur Salsabila, Zahrah Siswahyudianto Smitasari, Daneswara Syifa, Anisa Yudistira Yudistira