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Pengaruh Perubahan Harga Emas Dan Nilai Tukar Rupiah Terhadap Profitabilitas ROA Bank Syariah Indonesia Azimah, Asfiyatul; Mujibno, Mujibno
Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Vol 5 No 2 (2025): Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) - September 2025
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/jimpa.v5i2.672

Abstract

Penelitian ini dilatarbelakangi oleh isu fluktuasi harga emas dan nilai tukar Rupiah yang berpotensi memengaruhi profitabilitas Bank Syariah Indonesia. Hal ini menjadi penting karena bank syariah memiliki keterkaitan erat dengan produk keuangan berbasis emas dan transaksi yang berkaitan dengan mata uang asing. Tujuan utama dalam penelitian ini yaitu menganalisis sejauh mana dua variabel tersebut memengaruhi profitabilitas Bank Syariah Indonesia selama periode 2018-2023, yang diukur menggunakan indikator Return On Asset (ROA). Metode yang digunakan adalah pendekatan kuantitatif dengan analisis regresi berganda menggunakan SPSS 20. Data yang dianalisis berupa data sekunder berupa laporan keuangan triwulan Bank Syariah Indonesia, harga emas, dan nilai tukar rupiah terhadap dolar AS. Hasil penelitian menunjukkan bahwa fluktuasi harga emas berpengaruh positif dan signifikan terhadap ROA. Sebaliknya, nilai tukar rupiah memiliki pengaruh positif tidak signifikan terhdap ROA. Namun secara simultan, keduanya tidak berpengaruh signifikan terhadap profitabilitas ROA Bank Syariah Indonesia. Secara teoritis penilitian ini diharapkan dapat memperkaya literatur tentang faktor eksternal makroekonomi yang memengaruhi profitabilitas Bank Syariah Indonesia. Sedangkan secara praktis, diharapkan dapat menjadi acuan bagi BSI dalam merumuskan strategi mitigasi risiko harga emas, serta membantu para investor dan regulator dalam memahami faktor-faktor yang memengaruhi kinerja keungan bank syariah
KOMPENSASI DAN TUNJANGAN DALAM PERSPEKTIF MANAJEMEN SYARIAH: UPAYA MENINGKATKAN KEADILAN Riski, Wesiur; Maulana, Ilham; Mujibno, Mujibno
AB-JOIEC: Al-Bahjah Journal of Islamic Economics Vol. 1 No. 2 (2023): AB-JOIEC
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61553/abjoiec.v1i2.35

Abstract

Artikel ini membahas tentang penggunaan prinsip-prinsip syariah dalam konteks kompensasi dan tunjangan kepada karyawan dengan menyoroti potensi signifikan yang mereka miliki untuk mengembangkan bisnis yang berkelanjutan. Prinsip syariah, berfokus pada keadilan, transparansi, dan nilai-nilai etika Islam sehingga perusahaan dapat menemukan peluang luas dalam pasar yang semakin sadar akan nilai-nilai etis. Praktik bisnis yang sesuai dengan manajemen syariah tidak hanya memenuhi standar etis, namun juga menjadi landasan strategis yang mampu menghasilkan keunggulan bisnis. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan studi pustaka, yakni dengan menganalisis data-data primer dan sekunder seperti jurnal, buku atau sumber lain yang dibutuhkan untuk menghasilkan sintesis pemikiran. Hasilnya, penerapan manajemen kompensasi dan tunjangan kepada karyawan dengan memerhatikan prinsip-prinsip Islam, dapat menghadirkan keadilan dalam hubungan pemberi kerja dan pekerja, dengan begitu, tidak ada satu pihak yang akan dirugikan dalam proses operasional perusahaan. Pekerja mendapatkan hak setimpal dengan kerja kerasnya dan pemberi kerja juga dapat mendapatkan kinerja yang lebih baik dari pekerjanya.
KAJIAN STRATEGI PEMASARAN ISLAM: STUDI TABUNGAN iB HIJRAH HAJI PADA BANK MUAMALAT KCP. SUMENEP mujibno, mujibno; Octira, Mila; Ghoni, Abd.
Reflektika Vol 16, No 2 (2021)
Publisher : Universitas Al-Amien Prenduan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/reflektika.v16i2.901

Abstract

Bank Muamalat KCP Sumenep is the first sub-branch office to be pioneered on Madura Island, the sharia marketing strategy has become the basis for its growth, it has been proven that there are many products, both savings, deposits and financing, with a total number of customers reaching 7,000 to date. The iB Hijrah Hajj Savings is one of the idol products for customers who wish to perform Hajj. The researcher describes the Islamic marketing strategy used by Bank Muamalat KCP Sumenep in increasing the number of customers of the iB hijrah haji savings product, and describes the obstacles that occur in marketing the iB hijrah haji savings product. This study uses a qualitative descriptive method. Sources of data obtained from primary data and secondary data with observation techniques, interviews and documentation. The data analysis technique used is data reduction, data presentation and conclusion drawing, using data triangulation. The results of this study explain that the Islamic marketing strategy in increasing the number of customers of the iB Hijrah Haji Savings Product of Bank Muamalat KCP Sumenep uses a promotion strategy and marketing mix with the performance of Siddiq and Amanah traits taught by Rasulullah. Optimization of segmenting, targeting and positioning becomes a driving force in every product. The obstacles faced were the high level of competition, the co-19 pandemic, and the lack of technological knowledge from customers. Therefore, the existence of an Islamic marketing strategy spurred a sense of enthusiasm on the part of the Muamalat KCP bank. Sumenp to continue to provide the latest innovations so that the products they have remain the choice of customers.
HARMONIZING ISLAMIC VALUES WITH TECHNOLOGICAL ADVANCEMENTS FOR SELF-DEVELOPMENT Ramadhan, Yusfar; Asykur, Asykur; Ali, Ahmad Zulfikar; Mujibno, Mujibno
Reflektika Vol 18, No 2 (2023)
Publisher : Universitas Al-Amien Prenduan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/reflektika.v18i2.1463

Abstract

The development of learning innovation in the era of "Industrial Revolution 4.0" will be closely related to educational technology. Both of them can be harmonized into Islamic values. One of them is that learning online or better known as online is something that must be done in the midst of the Covid 19 outbreak. However, many teaching staff are not yet ready, due to the phenomenon of being technologically illiterate or technologically illiterate. Educators who are technologically clueless can reduce the level of professional credibility in front of their students so that students sometimes tend to underestimate them. It can be seen that here lies the harmonization of Islamic values. Considering that students are more familiar with the world of technology and communication because it has become a nutritional intake in gaining knowledge. This phenomenon often occurs around us, including being found at one of the MTs educational institutions. Al-Irsyadiyah, whose address is Dermowebang Village, Sarirejo District, Lamongan Regency, there are several teachers who are said to still be technologically deficient in their learning. So it is still lacking in implementing Islamic values. Therefore, the focus point in this research is how teachers carry out the online learning process, especially for those who are technologically clueless and what impact this has on student learning outcomes and harmonization of Islamic values. With this article, the author hopes that inspiration and solutions will grow for teachers who experience the same problems. 
AN ISLAMIC PERSPECTIVE ON THE FILM “ASSALAMU’ALAIKUM BEIJING ”: A STUDY IN ENGLISH LITERATURE Hidayat, Tawvicky; Mujibno, Mujibno; Anam, Saiful
Reflektika Vol 20, No 1 (2025)
Publisher : Universitas Al-Amien Prenduan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/reflektika.v20i1.2231

Abstract

This study aims to explore the film "Assalamualaikum Beijing" from an Islamic perspective using a literature review approach. The film, adapted from a novel by Asma Nadia, is directed by Guntur Soeharjanto and tells the story of a love affair between two people. The main focus of this study is to uncover the representation of Islamic teachings, including aspects of faith, morality, Islamic brotherhood, and the spirit of seeking knowledge. The method used is content analysis, examining Islamic themes reflected in the storyline, dialogue between characters, and character portrayals. The analysis shows that the film consistently displays Islamic values, particularly in promoting the importance of education, spiritual development, and social relations. Furthermore, the film successfully conveys a universal Islamic message that remains relevant in the context of contemporary life. This research is expected to enrich the study of Islam in popular media and serve as a reference for similar research in the future. 
THE INFLUENCE OF PROFIT SHARING RATIO ON NUMBER OF MUSYARAKAH FINANCING CUSTOMERS (Case Study PT. BPRS Bhakti Sumekar) mujibno, mujibno; Ikawati, Ikawati
Reflektika Vol 15, No 2 (2020)
Publisher : Universitas Al-Amien Prenduan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/reflektika.v15i2.894

Abstract

The purpose of this study was to determine whether or not there is an influence given by the profit sharing ratio on the number of  musharaka financing customers. The results of this study indicate the profit-sharing ratio variable with a significance value of 0.000 <0.05, which means that the independent variable has a positive effect on the dependent variable and Tcount (5.343) > from Ttable (2.03452), so it can be concluded partially (t-test) there is a significant positive effect. from the profit-sharing ratio to the number of musyarakah financing customers and based on the results of the coefficient of determination (R2), a value of 0.456 is obtained, which means the effect of the profit-sharing ratio on the number of musyarakah financing customers is 45.6%, while 54.4% is influenced by other factors
ANALISIS PERAN DIGITALISASI PERBANKAN (BBS MOBILE) DALAM MENINGKATKAN MINAT NASABAH PADA TABUNGAN BAROKAH (Studi BPRS Bhakti Sumekar KCP Saronggi) Astuti, Milla; Mujibno, Mujibno
FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Vol 8, No 2 (2025): NOVEMBER
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/jf.v8i2.2810

Abstract

Penelitian ini akan menunjukkan tentang Bagaimana analisis peran digitalisasi perbankan (BBS Mobile) serta tantangan BBS Mobile dalam meningkatkan minat nasabah pada tabungan barokah di Bank BPRS Sumekar KCP Saronggi. Pendekatan yang digunakan dalam penelitian ini adalah pendekatan kualitatif dengan jenis fenomenologis. Sumber data pada penelitian ini yaitu wawancara, observasi dan dokumentasi. Analisis data pada penelitian ini yaitu Reduksi data, penyajian data dan penarikan kesimpulan. Hasil penelitian ini mengatakan bahwa hadirnya BBS Mobile membantu nasabah dalam melakukan transaksi, namun tidak memberikan pengaruh besar minat nasabah dalam menggunakan  BBS Mobile. Nasabah mendapatkan pelayanan lebih cepat dan tidak berbelit-belit serta lebih responsif dalam menanggapi setiap keluhan  dan masalah yang dihadapi oleh nasabah. Layanan BBS mobile terbukti dapat mempengaruhi minat nasabah ialah ditunjukkan dengan persentase peningkatan jumlah nasabah tabungan barokah pada tahun 2022 sebesar 3% dibandingkan tahun 2021. Akan tetapi ada faktor yang menjadi hambatan bagi nasabah Tabungan Barokah terutama pada saat terjadinya masalah pada server di tengah-tengah transaksi sehingga uang tidak bisa keluar dari mesin ATM sedangkan saldo rekening berkurang)Kata Kunci : Digitalisasi Perbankan, BBS Mobile, BPRS Bhakti Sumekar