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All Journal SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Journal of Sharia Economics
Prastyaningsih, Ika
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Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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The Law Concept of Sharia Banking Compliance on Murabaha Financing in Indonesia Ghozali, Mohammad; Sup, Devid Frastiawan Amir; Prastyaningsih, Ika; Adan, Hasanuddin Yusuf
Samarah: Jurnal Hukum Keluarga dan Hukum Islam Vol 8, No 3 (2024): Samarah: Jurnal Hukum Keluarga dan Hukum Islam
Publisher : Islamic Family Law Department, Sharia and Law Faculty, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/sjhk.v8i3.11313

Abstract

Submission to sharia is a fundamental factor which discriminates sharia banking from the conventional one. Therefore, sharia banking as intermediating institution and provider of financial services which base their operation on Islamic sharia values have to ensure their compliance towards sharia principles. Besides, sharia banking applies profit sharing principle as the main foundation in fund collection, fund distribution, and financing. A product dominating and attracting customers the most is murabaha. This product still receives tough critics from scientists, though, so that this research aims at investigating sharia banking compliance on murabaha financing viewed from the perspective of fatwa from DSN-MUI. This research applies qualitative design with normative approach (DSN-MUI fatwa). The result of the study shows that murabaha contract in Indonesian sharia banking must fulfill sharia compliance stated in the Qur’an, Sunnah, Regulation of Bank of Indonesia, and DSN-MUI fatwa.
PENGARUH BAURAN PEMASARAN ISLAM (4P) TERHADAP LOYALITAS KONSUMEN MANGROVE CORPORATION (UMMILOVELY) Triyawan, Andi; Prastyaningsih, Ika; Pradhistya, Marsela
Journal of Sharia Economics Vol. 4 No. 1 (2023): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v4i1.2517

Abstract

Berdasarkan data PBS, ITB Indonesia mengalami fluktuasi yang disebabkan oleh beberapa faktor. Disamping itu, pemasaran konvensional tidak memiliki batasan atau pedoman dalam menjalani kegiatan perekonomian. Hal tersebut dapat menyebabkan banyak permasalahan. Dengan demikian integrasi bauran pemasaran yang Islami dapat menjadi alternatif dalam memecahkan permasalahan tersebut. Permasalahannya adalah bauran pemasaran islam hanya sekedar teoritis dan belum ada bukti empiris. Dengan demikian, penelitian ini bertujuan untuk menganalisis bauran pemasaran Islam terhadap loyalitas konsumen, dengan objek penelitian di Ummilovely. Penelitian ini menggunakan metode kuantitatif dengan PLS-SEM dengan varibel dependen (bauran pemasaran Islam 4p), dan variabel independen (kepuasan dan loyalitas). Dalam pengumpulan data peneliti menggunakan kuesioner sebagai data primer, dengan sempel sebanyak 60 responden. Dari hasil pengujian, didapat pemasaran Islam memiliki pengaruh yang postif terhadap loyalitas konsumen. Akan tetapi, hanya bauran tempat, dan kepuasan yang memiliki relevansi secara segnifikan terhadap loyalitas konsumen. Dengan ini, peneliti berharap penelitian ini menjadi masukan bagi perusahaan untuk meningkatkan produk yang ada dengan memperbanyak variasi produk, dengan harga yang sesuai. Selain itu, dalam hal promosi disarankan kepada perusahaan untuk lebih gencar lagi dalam mempromosikan produk yang dihasilkan.
ANALYSIS OF COST AND REVENUE : EMPIRICAL STUDY OF BUSINESS UNIT WAKAF ANISA BAKERY Triyawan, Andi; Prastyaningsih, Ika; Nabila Dwi Syahreni
Journal of Sharia Economics Vol. 4 No. 2 (2023): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v4i2.2941

Abstract

The aim of this research was to examine the expenses and revenue of the Annisa Bakery Gontor Putri Campus 1 business division. A qualitative descriptive method was utilized, employing a case study approach at the Mantingan branch of the Annisa Bakery Business Unit located in Ngawi, East Java. Data was collected through financial records encompassing both costs and sales generated during a single production cycle. The findings of this study reveal that the average monthly revenue obtained by the Annisa Bakery business unit amounted to IDR 46,336,500, while the total expenses incurred by the business unit amounted to IDR 18,817,500. Moreover, the analysis indicates that the bread business conducted by the Annisa Bakery business unit is considered feasible, as the R/C ratio exceeds 1, with a value of 3.40.
SHARIA COMPLIANCE IMPLEMENTATION IN ISLAMIC BANKING: A STUDY ON BUILDING CUSTOMER CONFIDENCE Lahuri, Setiawan Bin; Prastyaningsih, Ika; Mahfudz, Akhmad Affandi; Ahmad, Rusyda Afifah; Muhammad, Izlawanie
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 7 No 2 (2024): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v7i2.7949

Abstract

The lack of customer trust in Islamic banks has led to in a persistently low market share of the Islamic financial market in Indonesia, which is currently below 5.33%. Therefore, this study aims to investigate the implementation of Sharia compliance in Indonesian Sharia Banks, with a particular emphasis on social performance. The qualitative methods and Analysis Network Process (ANP) were used to investigate this phenomenon, with data collected from banking compliance officers, staff, and Sharia compliance experts. The results of this study show that Bank Syariah Indonesia Solo Branch has successfully implemented Sharia compliance across 42 items comprising 6 indicators of the Islamic Social Reporting Index. This comprehensive method is evident in the bank's focus on operations, products, and employees, showing a holisitic commitment to Sharia compliance in Islamic banking.
Co-Authors Ahmad, Rusyda Afifah Akhmad Affandi Mahfudz Andi Triyawan Devid Frastiawan Amir Sup Hasanuddin Yusuf Adan Mohammad Ghozali, Mohammad Muhammad, Izlawanie Nabila Dwi Syahreni Pradhistya, Marsela