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The influence of the health level of sharia bank using the RGEC method on third party funding and profitability: Study at Bank Syariah Mandiri Period 2013-2020 Marwati; Sakum; Hamdan Ainul Yaqien
NUsantara Islamic Economic Journal Vol. 2 No. 2 (2023): 2023 July
Publisher : Department of Islamic Economic, Faculty of Economic and Business, Nahdlatul Ulama Islamic University (UNISNU) Jepara, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/nuiej.v2i2.681

Abstract

The health of a financial institution is in the interest of all related parties, both capital owners and bank managers, people who use bank services, and OJK as the owner of the authority in supervising banks. A healthy bank is a bank that can carry out its functions well, namely being able to maintain and maintain public trust, can carry out the intermediation function, can assist payment traffic and can be used by the government in carrying out various monetary policies, and most importantly can improve performance. financial form of profit or profitability. This study aims to analyze the effect of Islamic bank health level using the RGEC (Risk Profile, Good Corporate Governance, Earning, and Capital) method on third party fund raising and profitability. This study uses a descriptive quantitative research method, with the independent variable being the Soundness of Islamic Banks Using the RGEC Method with indicators of CAR, NPF, FDR, NOM, BOPO. As for the dependent variable, namely Third Party Funds and Profitability (ROA). Data collection techniques used secondary sources with data analysis using multiple linear regression analysis with the help of IBM SPSS 20. The results showed that the Health Level of Bank Syariah Mandiri in 2013-2020 experienced an increase in the CAR ratio which was categorized as very good. Likewise, the ratio of NPF and FDR is in the Good category. However, the NOM ratio is categorized as Bad. While the BOPO ratio is categorized as Very Good. Likewise, the ROA ratio is categorized as Good Enough. Meanwhile, the collection of third party funds increased by 2.59% or equivalent to 2.018 billion per quarter. Together (simultaneously) the variables of bank soundness, namely CAR, NPF, FDR, NOM, and BOPO have a significant influence and are able to explain the Third Party Fund (DPK) variable of 37.3%. Likewise, the Profitability (ROA) variable has a significant influence and is able to explain 99.9%. While individually (partial) CAR, NPF, FDR, BOPO have no significant effect on Third Party Funds and Profitability (ROA). However, NOM has a significant effect on Third Party Funds and Profitability (ROA).
Analisis Penerapan Risiko Operasional Dan Kepatuhan Syariah Badan Wakaf Al-Qur’an Ditinjau Dari Waqf Core Principles Neng Wiwi; MH Ainulyaqin; Sarwo Edy; Listian Indriyani Achmad; Sakum
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 7 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i7.3030

Abstract

ABSTRACT. Operational Risk and Sharia Compliance are indicators contained in the waqf Core Principles, which have been applied by the Bekasi Branch Al-Qur’an Waqf Board in minimising operational risks that will occur and indications of sharia compliance. The Waqf assets issued by the Al-Qur’an Waqf Board to the public are Al-Qur’an mushaf, where the waqif donates by giving a sum of money will be used for all operational purposes from collecting money, printing, storing and distributing Al-Qur’an throughout the country. This study aims to analyse the application of Operational Risk and analyse of Sharia Compliance at the Bekasi Branch of the Al-Qur’an Waqf Board. This method with descriptive research and field research. Data collection is carried out by observation and interview process. The results showed that: From six indicators of Operational Risk and from ten indicators of Sharia Compliance, the Al-Qur’an Waqf Board has implemented all of them based on the Waqf Core Principles.
PENGEMBANGAN EARLY WARNING SYSTEM UNTUK DELISTING SAHAM SYARIAH MENGGUNAKAN SUPPORT VECTOR MACHINE (SVMs) Tinggi, Zulnani; Sakum
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 5 No. 02 (2020): JESPB Edisi Oktober 2020
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v5i02.117

Abstract

This study aim to produce Early Warning System in predicting the occurrence of delisting in Islamic stocks by using Support Vector Machines (SVM). The sample used in this research are companies listed on the Indonesian Syariah Stock Index (ISSI) for the period of 2012 - 2018. With the variables used in this research: Turn Over Asset, Long Term Debt, Interest Coverage, Debt to Equity, Quick Ratio, ROA, ROE Leverage, Current Ratio, ROIC. The population of this study is 335 Islamic stocks registered with ISSI. There are 102 companies which consists of listed and delisted companies from sharia shares as comparison for the sample data. The Method applied in this study is Purposive Sampling for The sampling technique. From the result found that accuracy rate of the best SVM models is SVM 4 models with 100% accuracy
IMPLEMENTASI AKAD MURABAHAH PADA PRODUK PEMBIAYAAN MURABAHAH DI KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH BAITUL MAAL WAT TAMWIL FAJAR CABANG BEKASI Sakum; Fitri, Ria Elsa
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 6 No. 01 (2021): JESPB Edisi April 2021
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v6i01.173

Abstract

In the preparation of this thesis, researchers used qualitative research, the type of research used was library research and field research. Sources of data obtained through primary and secondary data sources, for data collection using two methods, namely: interviews and documentation, for data analysis techniques using 3 methods, namely data reduction, data presentation, and drawing conclusions. This study aims to determine the implementation or practice of the murabahah contract in murabahah financing products at Baitul Maal wat Tamwil Fajar Bekasi branch whether it is in accordance with Islamic law and Fatwa DSN MUI No. 04 / DSN-MUI / IV / 2000 About Murabaha. The result of this research is that in the practice of the murabahah contract at KSPPS BMT Fajar has implemented it according to the SOP and in accordance with Islamic law and fatwa DSN MUI No. 04 / DSN-MUI / IV / 2000 About Murabaha. Based on the results of the study, it can be concluded that the implementation of the murabahah contract on murabahah financing products at KSPPS BMT Fajar Bekasi branch is in accordance with Islamic law and Fatwa DSN MUI No. 04 / DSN-MUI / IV / 2000 About Murabaha. This is based on the results of the analysis of interviews with members who apply for murabahah financing.
Strategi Manajemen Bisnis Syariah Dalam Situasi Pandemi Covid 19 Bidang Foodpreneur di Kabupaten Tangerang Sakum; Khoirunisa, Junita
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 6 No. 02 (2021): JESPB Edisi Oktober 2021
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v6i02.244

Abstract

Every trial that Allah SWT gives always has wisdom that sometimes humans are unable to prevent, as currently being faced with getting a trial in the form of the Covid-19 virus. The Covid-19 virus is so that humans return to the teachings that have been exemplified by the Prophet Muhammad, especially in their business activities. This study aims to find out the strategies carried out by business actors in the Foodpreneur field in dealing with the Covid-19 Pandemic in Sharia business, the right strategy will lead business actors to survive during the Pandemic. The business sector must be able to adapt to today's world conditions, so there is a need for new strategies in business management. The method used in this research is qualitative with a Taman Snack study on business people in the Foodpreneur sector in Tangerang Regency. The results of the study show that the strategies used by business actors are to innovate products, improve service quality, read and capture digital opportunities, and adjust promotional materials. The strategy carried out by business actors is able to make business actors survive during the pandemic.
ANALISIS SWOT POLA GRAMEEN KOPERASI KONVENSIONAL & KOPERASI SYARIAH Sakum; Andhika Alfathanah
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 7 No. 01 (2022): JESPB Edisi April 2022
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v7i01.311

Abstract

This research is an empirical research conducted in 2014. This study aims to determine the working mechanism of Grameen in Amartha Micro Finance Cooperative and the working mechanism of sharia Grameen in Baytul Ikhtiar Cooperative. The analysis used is a SWOT analysis. Namely for mapping the strengths (strengths), weakness (weakness), opportunities (opportunity), and threats (threats).The research was conducted using a descriptive method, namely exploring and exploring problems regarding the working mechanism of Grameen and Grameen sharia in the Amartha Micro Finance Cooperative and the Baytul Ikhtiar Cooperative. The problems are explored through the data in the cooperative, as well as interviews with the customers of the cooperative. In addition, the data in the cooperative is data that have been documented in the cooperative. The results show that the Amartha Micro Finance Cooperative and the Baytul Ikhtiar Cooperative have different strengths, weaknesses, opportunities, and threats. So that different strategies are needed to increase the company's capacity and capability.
PENGARUH EFISIENSI, KEMUDAHAN, DAN KEAMANAN INFORMASI TERHADAP MINAT MENGGUNAKAN APLIKASI FINTECH Fikri Akbar; Sakum; Solikhul Hidayat
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 7 No. 02 (2022): JESPB Edisi Oktober 2022
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v7i02.597

Abstract

This study aims to determine how the effect of efficiency, convenience, and information security on interest in using fintech applications. The population of this study were students of the Faculty of Islamic Religion, Pelita Bangsa University with a sample of 130 people. Primary data obtained from respondents via Google Docs. The sampling technique used was purposive sampling method and the analytical technique used was multiple linear regression test. The results showed that the efficiency variable had a positive and significant effect on interest in using fintech applications. The convenience variable has a positive and significant effect on interest in using fintech applications. And the information security variable has a positive and significant effect on interest in using fintech applications. And from the results of the determination test, it can be stated that efficiency, convenience, and information security have a simultaneous effect on interest in using fintech applications.
Peningkatan Penjualan Melalui Inovasi Label Pada Kemasan Rengginang UMKM Desa Telajung Ainulyaqin, MH; Adrianna SR; Sakum; Hamidah, Siti; Khoerunisa, Firda
Jurnal Pelita Pengabdian Vol. 2 No. 2 (2024): Juli 2024
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jpp.v2i2.4854

Abstract

This journal explores the positive impact of label innovation on Rengginang packaging on increasing sales in the context of Micro, Small and Medium Enterprises (MSMEs) in Telajung Village. This research focuses on how changing the label design on Rengginang packaging can increase consumer appeal and encourage increased sales volume. The research method involves market analysis, consumer surveys, and implementation of label innovation on several Rengginang products from local MSMEs. The research results show that label changes are able to create significant differences in consumer perceptions of products, increase visual appeal, and expand market share. This research provides insight for Telajung Village MSMEs and similar industry players regarding the importance of label innovation in product marketing strategies. The practical implication of this research is that increased sales can be achieved through appropriate investment in attractive label designs, creating a sustainable competitive advantage in local and wider markets.
Pelatihan Pembukuan Keuangan Sederhana Bagi UMKM Di Desa Telajung MH Ainulyaqin; Nur’aeni; AS Rakhmat; Sakum; Sarwo Edy
Jurnal Pengabdian Pelitabangsa Vol. 4 No. 2 (2023): Jurnal Pengabdian Pelitabangsa Oktober 2023
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jabmas.v4i2.3133

Abstract

Determining the success of a business will be easy if you are able to separate personal funds from business funds, make financial records of purchases and sales. Unfortunately, there are still many MSME players who do not realize the importance of using financial bookkeeping and the many benefits of financial bookkeeping. This community service activity helps to provide simple financial bookkeeping training for MSMEs to increase their knowledge and skills in managing their business finances. The method used by community service is the training method. And obtained positive reactions or results from MSME actors in RT 001 RW 001 Telajung Village, West Cikarang District, Bekasi Regency because they gained new insights in the description of the delivery of material on how to manage their business through the use of simple and straightforward accounting or financial records that are easy to understand.
Penyuluhan Pola Hidup Sehat Pada Anak Usia Dini di PAUDQU Al-Asyary Sakum; Siti Sopiah; M. Padly; Sarwo Edy; Nenda; MH Ainulyaqin
Jurnal Pengabdian Pelitabangsa Vol. 4 No. 2 (2023): Jurnal Pengabdian Pelitabangsa Oktober 2023
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jabmas.v4i2.3134

Abstract

From the results of observing healthy lifestyles and how to brush teeth properly and correctly, there are still many children who do not maintain a healthy lifestyle and healthy teeth, therefore the author provides information on healthy lifestyles and good and correct toothbrushing procedures. A healthy lifestyle and dental health in children will greatly influence the growth and development of their teeth. One of the efforts to maintain a healthy lifestyle and healthy teeth is to provide education on healthy lifestyles and proper and correct toothbrushing procedures. Community service carried out by the author is carrying out counseling on healthy lifestyles and proper and correct toothbrushing procedures at PAUDQU Al-Asyary, West Cikarang, Bekasi. The speakers for this activity are students implementing the program. Participants in this activity are children from classes A and B at PAUDQU Al-Asyary, which aims to increase the knowledge of young children regarding the importance of toothbrushes and good and correct toothbrushing procedures.