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All Journal el-Jizya: Jurnal Ekonomi Islam Indonesian Journal of Islamic Business and Economics (IJIBE) Miftah Wealth: Journal of Islamic Banking and Finance
Intansari, Anggita Isty
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Revenue Sharing dan Profit and Loss Sharing Pada Produk Pembiayaan Lembaga Keuangan Syariah (LKS) Intansari, Anggita Isty
El-Jizya : Jurnal Ekonomi Islam Vol 8 No 1 (2020): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Institut Agama Islam Negeri (IAIN) Purwokerto

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

Abstract

This paper is motivated by the development of the world of sharia-based financial institutions based on Indonesia which began to develop in the nineties namely ( 1992) such as Islamic banking. Islamic financial institutions provide solutions in responding to problems in Conventional Financial Institutions, the distribution of profit calculations in the interest system creates injustice for one party because in the additional distribution of capital provided in accordance with the period of time in accordance with the percentage of interest that has been determined during the financing agreement . Otherwise, Revenue Sharing and Profit and Loss Sharing pay attention to the business partners whether they get profits or suffer losses, the additional profit sharing in this system is greatly influenced by the circumstances that occur in the business partners. Islamic Financial Institutions know the work system / circa. Profit sharing offered in sharia contract financing both with Revenue Sharing or Profit and Loss Sharing is to use the Mudharobah or Musyarokah system in accordance with the capital participation of the parties, if in the whole capital business is provided by Islamic financial institutions / one of the parties, then this condition uses the contract mudharobah, on the other hand if both of them contribute to the capital in a business / collaboration, they will use the musyarokah contract.
PEMBIAYAAN IBADAH UMRAH PADA LEMBAGA KEUANGAN SYARIAH Intansari, Anggita Isty; Zahroh, Fitri Hidayatuz
Indonesian Journal of Islamic Business and Economics (IJIBE) Vol 1 No 1 (2019): IJIBE
Publisher : Islamic Economic Scholar Association and Faculty of Economics and Business Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/1.ijibe.2019.1.1.2205

Abstract

Munculnya lembaga keuanga syariah di Indonesia memberikan dampak kemunculan produk baru yang memberikan fasilitaas kepada umat muslim di Indonesia untuk mendaftarkan dirinya berhaji, dengan adanya fasilitas dana talangan ibadah umrohyang disediakan oleh lembaga keuangan syariah baik yang berbentuk bank maupun non bank. Produk dana talangan ibadah umrohmenjadi salah satu solusi bagi sebagian muslim yang tidak mampu mencukupi biaya keberangkatan ke tanah suci secara tunai dengan menggunakan prinsip Ijarah, dimana dalam akad ini bank memberikan pinjaman kepada nasabah dengan menyertakan tugas kepada bank agar menjaga barang jaminan yang diserahkan oleh nasabahnya.Karnanya penting menurut hemat penulis dalam memahami aspek hukum islam terhadap pembiayaan dana ibadah umroh serta mengenai fee ujrah pada akad dana talangan Ibadah Umroh.
The Influence of Return On Assets (ROA) and Return On Equity (ROE) On Sharia Stock Prices (Case Study of Companies Registered on JII 2016-2019) Astuti, Puji; Hilyatin, Dewi Laela; Intansari, Anggita Isty; Hadi, Rahmini
Indonesian Journal of Islamic Business and Economics (IJIBE) Vol 6 No 1 (2024): IJIBE
Publisher : Islamic Economic Scholar Association and Faculty of Economics and Business Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/1.ijibe.2024.6.1.11618

Abstract

An important decision faced by an investor in deciding to include capital in the company is to be able to choose the right company because stock conditions often fluctuate and are uncertain. Then, it can be done using market ratio analysis, which can help investors determine which company to choose. This study aims to determine the partial and simultaneous effect of Return On Assets (ROA) and Return On Equity (ROE) on stock prices in the group Jakarta Islamic Index. The population in this study consisted of all issuers in the Jakarta Islamic Index (JII), which amounted to 30 companies. The purposive sampling technique was used to obtain 14 companies as research samples. The observation period is four years, namely in 2016-2019, so the unit of analysis obtained is 56. The research variables consist of the independent variables ROA (X1) and ROE (X2) and Stock Price (Y) as the dependent variables. The data collection method in this research is the documentation method. The data analysis technique used is multiple linear regression. Based on the results of the regression analysis, it can be seen that ROA and ROE simultaneously had an effect on Islamic stock prices in the JII group in 2016-2019. Partially, ROA did not affect Islamic stock prices in the JII group in 2016-2019. While ROE partially affected the price of sharia shares in the JII group in 2016-2019.
Strategi Bank Syariah Indonesia Mempertahankan Nasabah Melalui Handling Complaint Di BSI KCP Purwokerto Sulasih, Sulasih; Intansari, Anggita isty; Novandari, Weni
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 2 No. 2 (2024): October 2024
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/miftah.v2i2.281

Abstract

Customer Service is a very important aspect in the banking world. Therefore, banks must focus on providing services to customers. Because good service is a bank's strategy to retain its customers. This study aims to describe the Strategy of Bank Syariah Indonesia to Retain Customers Through Handling Complaints at BSI KCP Purwokerto through the role of customer service in handling complaints in order to retain customers. The type of field research with a qualitative descriptive approach. Data collection techniques consist of observation, interviews, and documentation. This study uses data collection methods, data reduction, data presentation, and drawing conclusions as data analysis techniques. The results of this study indicate that customer service plays a very important role. The role of customer service in handling complaints is as a channel for problem information and solution services. To retain customers, customer service must provide friendly service, approach, and really look for solutions and alternatives to solve problems that occur so that customers feel comfortable and satisfied. So that it can retain customers, both new and old customers
Comparative Analysis of Implementation of Murabahah Bil Wakalah Contracts and Musyarakah Mutanaqisah Contracts for Sharia Financing Products Intansari, Anggita Isty; Fatimah
Wealth: Journal of Islamic Banking and Finance Vol. 1 No. 2 (2022)
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v1i2.7070

Abstract

A home is a basic human need that plays an important role in the continuation of human life. The problem of housing and settlement has existed and will continue to exist in response to population growth, demographics and socio-economic needs. The high demand for housing and population growth provide opportunities for Islamic financial institutions to provide products that help people purchase housing. The purpose of this study is to determine the application of the Murabaha Contract and the Musharaka Mutanaqisah Contract and find a comparison of her two contracts in Islamic KPR funding. Knowing the mechanism and type of research represents field research. This research was conducted using qualitative methods with a descriptive approach. As a result of the research and analysis, it was found that the application of the Murabaha Bil Wakala Convention takes precedence over the Musharaka Mutanaqishah Convention. A comparison of the two loan agreements can then be viewed in terms of similarities and differences between the two agreements.
Identifikasi Loyalitas Pelanggan dengan Kepuasan Sebagai Variabel Intervening Pada Toko Grosir HR Losari Kecamatan Cilongok Kabupaten Banyumas Sulasih, Sulasih; Parno, Parno; Trianingsih, Ade; Intansari, Anggita Isty
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 3 No. 1 (2025): April 2025
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/miftah.v3i1.358

Abstract

This study aims to determine whether product diversity, perceived value, and location have an effect on customer loyalty with customer satisfaction as a mediating variable at the HR Losari Wholesale Store, Cilongok District, Banyumas Regency. The quantitative research method and analysis tool used in this study are Smart-PLS 4. The sample collection method uses non-probability sampling with a purposive sampling technique so that 385 respondents are produced. The results of this study indicate that perceived value and location have a significant effect on customer loyalty with strong validity and reliability tests. However, product diversity does not have a significant effect on customer loyalty. Product diversity, perceived value, and location have a significant effect on customer satisfaction. The intervening variable of customer satisfaction can also mediate the relationship between Product diversity, perceived value, and location on customer loyalty
Co-Authors Fatimah Hilyatin, Dewi Laela Parno Parno Puji Astuti rahmini hadi Sulasih Sulasih Trianingsih, Ade Weni Novandari Zahroh, Fitri Hidayatuz