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All Journal BISNIS: Jurnal Bisnis dan Manajemen Islam Jurnal Dinamika Ekonomi dan Bisnis AKTSAR: Jurnal Akuntansi Syariah
Habibah, Muzayyidatul
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Economics, Econometrics & Finance

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Implementasi Maqashid Syariah dalam Merumuskan Tujuan Laporan Keuangan Bank Syariah Habibah, Muzayyidatul
AKTSAR: Jurnal Akuntansi Syariah Vol 3, No 2 (2020)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/aktsar.v3i2.8414

Abstract

This research aims to analyze how the implementation of maqashid as-sharia in formulating Islamic bank financial statements’ objectives. The research method used is a descriptive qualitative approach, through field research, by examining published Islamic financial reports and conducting interviews with management. The purpose of preparing Islamic financial reports on Islamic entities following the maqashid as-sharia is to fulfil the objectives in providing useful information to stakeholders comprehensively. The purpose of Islamic financial reports includes three levels, namely primary (dharuriyat), secondary (tahsiniyah), and tertiary (hajiyat). The primary aspect is very useful in providing financial information that all financial institutions' activities come from halal sources. Meanwhile, the second aspect can provide additional information on adherence to sharia principles, as a form of protection for property development through contracts under sharia principles. In the aspect of fulfilling the tertiary level, it shows the urgency in presenting assets owned by sharia entities in a transparent and accountable manner, as an effort to be accountable to humans and Allah SWT., Thus providing benefits to more people. Fulfillment of these three aspects of maqashid sharia is a form of benefit in the management of sharia entities.
Pengaruh Etika Bisnis Islam dan Bauran Pemasaran terhadap Loyalitas Nasabah dengan Keputusan Menjadi Nasabah Sebagai Variabel Intervening (Studi pada BPD Jateng Syariah, BRI Syariah dan Bank Muamalat) di Kota Semarang Salam, Abdus; Habibah, Muzayyidatul
BISNIS Vol 9, No 1 (2021): BISNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Fakultas Ekonom dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v9i1.11461

Abstract

These study aims to determinew the system from the application of Marketing Mix and Islamic Business Ethicss there is Customer loyalty in Islamic Banking (BRI Syariah, Bank Jateng Syariah and Bank Muamalat) in Semarang City. By using the variables of Marketing Mix and Islamic Business Ethics as Exogenous Variables and Customer Loyalty as Endogenous Variables, besides that, intervening variables are also used to seasure the mediating effect of exogenous to endogenousfactors. Sampling using purposive sampling. The data used is primary data from 3 Islamic Banking customers who are 100 respondents. The results of the study explain that first, the Marketing Mix affects the decision to becomea customer. Second, Islamic Business Ethics influences the decision to became a customer. Third, Marketing Mix has an effect on Customer Loyalty. Fourth, Islamic Business Ethics has no effect on Customer Loyalty. Fifth, the decision to become a customer affects customer loyalty. Sixth, the decision to become a customer is able to mediate between marketing and customer loyalty. Seventh, the decision to become a customer is unable to mediate Islamic Business Ethics on Customer Loyalty.
Laba Asuransi Jiwa Syariah Ditinjau dari Beban Klaim, Hasil Investasi, Underwriting, dan Inflasi Cahya, Bayu Tri; Habibah, Muzayyidatul; Restuti, Dwi Putri; Hanifah, Umi; Jannah, Ulfiyatul
AKTSAR: Jurnal Akuntansi Syariah Vol 6, No 1 (2023)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/aktsar.v6i1.21222

Abstract

The profit-earning activity of an insurance company is important. Moreover, choosing a better variable can accurately assess the quality of the insurance company’s performance as illustrated by its profit. This study aims to empirically prove and interpret the effect of claim expenses, investment returns, underwriting, and inflation on profits. The population is a full Sharia life insurance company registered with the OJK for the 2016-2021 period, which was selected through purposive sampling and obtained from a sample of 30 annual financial reports. This research is quantitative research with a causality approach through hypothesis testing. The analysis was carried out through panel data regression analysis using EViews. The result of this study accepted one of the four hypotheses that investment returns affect sharia life insurance earnings. Conversely, claim expense, underwriting, and inflation do not affect sharia life insurance profits. Profit is a positive signal to influence outsiders’ assessment of the company’s performance. Proper management of funds can optimize sharia life insurance profits.   
Determinants of Islamic Banking Customer Decisions: Social Environment, Financial Literacy, and Brand Image Dewi Maharany, Indah; Lestari, Dewi; Hanggono Raras, Mardawaning; Habibah, Muzayyidatul
Jurnal Dinamika Ekonomi dan Bisnis Vol 21, No 2 (2024)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jdeb.v21i2.6795

Abstract

The micro, small, and medium enterprise (MSME) sector is experiencing tremendous growth and has made significant contributions to overall economic expansion. When managing their funds, MSMEs should take into account the different storage and investment choices at their disposal, including the emerging field of sharia banking, which offers goods and services that adhere to sharia principles. This study seeks to identify the elements that influence the decision of MSME actors to become customers in sharia banking. The independent variables considered are social environmental variables, financial literacy, and brand image, while the dependent variable is the decision of MSME actors. This study employs primary data collection methods and adopts a quantitative research strategy. The research employed a purposive sampling strategy to select a sample size of 100 respondents. The data was analyzed using multiple linear regression analysis, coefficient of determination, F test, and t test in SPSS. The research findings indicate that the social environment, financial literacy, and brand image all have a substantial impact on the decision of MSMEs to become customers in sharia banking
Co-Authors Abdus Salam, Abdus Bayu Tri Cahya Dewi Lestari Dewi Maharany, Indah Hanggono Raras, Mardawaning Jannah, Ulfiyatul Restuti, Dwi Putri Umi Hanifah