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All Journal Jurnal Ekonomi & Bisnis PNJ (JEKBIS PNJ) At-Taradhi: Jurnal Studi Ekonomi Jurnal Tabarru': Islamic Banking and Finance Tawazuna
Nafidzi, Elman
Unknown Affiliation
Economics, Econometrics & Finance Education

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Journal : Tawazuna

 1 
Researching Local Wisdom “Ba’i Sighat Al Aqd” Aqd Murabahah in City of Thousand River’s: Menelisik Kearifan Lokal “ Ba’i Sighat Al Aqd” Akad Murabahah Di Kota Seribu Sungai Hasanah, Ikhwatun; nafidzi, elman; Safitri, Dewi
Tawazuna Vol. 1 No. 1 (2021)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v1i1.102

Abstract

Everybody experienced a purchase, if a researching knowledge about purchase since of a barter system, and then thrived along with the development in implementation of Islamic Sharia. In purchase activities, Islamic regulates everything related to it, including purchase procedure. There are several things that need attention about the terms and conditions of purchase including: buyers and sellers, object of sale and purchase, sale and buying agreements. Get along in buying and selling (A Pillars of Islamic) and provisions absolutely necessary, if one of the pillars is not fulfilled, the sale and purchase is canceled. Without going through the purchase contract process, the buying and selling activity is not legal in Islam, this has become a guideline for banjar residents in buying and selling activities, the pronunciation of the qabul consent agreement is mandatory that has been practiced for generations, and without realizing it, it has become one of the local culture of the banjar community
FINANCING LIFE INSURANCE and the CONCEPT of MITIGATING THE RISK of CUSTOMER DEATH khabib musthofa, Khabib Musthoa; nafidzi, elman; maharani, dewi; royzak, abdul
Tawazuna Vol. 2 No. 2 (2023)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v2i2.720

Abstract

The existence of financing in Islamic banking has several financing risks, one of which is the default of the customer due to death. Facing this risk, banks certainly have risk management so that this can be controlled which in the future does not make Islamic banking suffer losses. In writing this article using a descriptive qualitative approach with a literature study, with the aim of describing the existence of life insurance in financing, risk mitigation and the benefits therein. The strategic step to mitigate risk that is most often used by banks is to provide financing life insurance cover as protection against financing in the face of this disaster, where the existence of insurance is a tool to bear customer financing obligations and as an action so as not to burden other heirs, if examined together there are two substances so that both parties (banks and customers) feel protected.
The The Effect Of Digital Banking Quality On Service Satisfaction For Users At Bank Syariah Indonesia Albanjari, Muhammad Faisal; Nafidzi, Elman; Maharani, Dewi
Tawazuna Vol. 3 No. 1 (2023)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v3i1.829

Abstract

This research was conducted to determine the effect of Quality Design, Accuracy, Speed and Security on service satisfaction for UM Banjarmasin students. This research was conducted on UM Banjarmasin students class of 2019, whose sample amounted to 79 students. The data source was obtained through questionnaires distributed to respondents and processed again using IBM SPSS 23 software, using Multiple Linear Regression tests and this study used quantitative methods. The results showed that the value of Sig. Variable Quality Design (X1), amounted to 0.04 < 0.05 and thitung 2.967 > 1.993 ttabel, Sig. Variable Accuracy (X2), amounted to 0.245 > 0.05 and thitung 1.173 < 1.993 ttabel, Sig. Variable Speed (X3) value of 0.025 < 0.05 and thitung of 2.284 > 1.993 ttabel, and Sig. Variable Security (X4) of 0.000 < 0.05 and thitung of 4.945 > 1.993 ttabel. The results showed that simultaneously the variables Quality Design, Accuracy, Speed, and Security had a positive effect on service satisfaction for UM Banjarmasin students. This can be seen by the Sig. value of 0.000 < 0.05 and the Fhitung value of 30.813 > 2.73 Ftabel.
Co-Authors Albanjari, Muhammad Faisal Dewi Safitri Fatlullah Hasanah, Ikhwatun Irvianti khabib musthofa, Khabib Musthoa Ma'mun, Muhammad Yulian Maharani, Dewi Malihah, Lola Meilania, Gusti Tasya Misrah Misrah Mulia, Firdha Royzak, Abdul Zainal Ilmi