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Micro Waqf Bank in Indonesia: Analysis of The Constitution Concept According to The Maqashid Sharia Nugroho, Wahyu; Hilal, Faridl Noor
AL- IKTISAB Journal of Islamic Economic Law Vol 3 No 1 (2019)
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v3i1.3905

Abstract

Waqf is a legal act of wakif (endower) for separating and transferring part of their wealth either permanently or for a specified period in accordance with their interests for purposes of worship and the general welfare according to sharia. Islamic law have two characters, it is normative (muhkamat) so that Islam have a unity of mind, feeling, and behavior for the people and make the people united, and temporal (mutashabihat) to open up the difference by space, time, and the condition of each with regard to the purposes of syara'. Waqf is a legal act of wakif (endower) for separating and/or transferring part of their wealth either permanently or for a specified period in accordance with their interests for purposes of worship and/or the general welfare according to sharia. Waqf or endowments often directed to unmovable objects, while waqf on moving objects is being developed lately. The idea to explore and develop the concept of waqf in Indonesia was began when Mustafa Edwin Nasution translating paper written by M. Abdul Mannan that revealed the practice of cash waqf (SIBL) in Bangladesh. The government try to do innovation in order to boost the Muslim's Economy particularly for those who are considered as a poor. The role of shariah bank and BWI and regulations is also considered ineffective, then the Government innovate by establishing institution called Micro Waqf Bank. Micro Waqf Bank is believed to increase financial inclusion, particularly in the public and small and micro businesses (SMEs) to have the easy capital. These agency is not allowed to take deposits from the public because it has focused in communities empowerment through financing with business mentoring.
Analysis of The Influence of Services and Procedures of Claim Submission on The Interest of Participants in Islamic Insurance (Case Study in General Takaful for Motor Vehicle Insurance Jakarta 2019) Hilal, Faridl Noor; Shofiyana, Nurus
AL- IKTISAB Journal of Islamic Economic Law Vol 3 No 1 (2019)
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v3i1.3907

Abstract

The financial industry as the financial support of the state is not only support with the banking industry but also support non-banks industry, one of them is insurance. Islamic insurance is a risk management effort that will occur in the future that applies the concept of Islam in its operations. Accidents and natural disasters can occur at any time, especially when living in a country like Indonesia, people try to minimize financial losses caused by disasters that it can be save with insurance. An understanding of the participants about Polis in Islamic Insurance become a reason of the researcher to analyze the influence of the participant in Islamic Insurance. This research was carried out to determine the influence of services and procedures of claim submission towards participants' interest in Islamic insurance. The method used by researchers was a quantitative descriptive method by looking for significance between variables using a simple formula of multiple correlation, with data collecting techniques those are observation, interview, questionnaire and documentation. With sampling techniques of the population amount 61 respondent with purposive sampling. Based on the results of the analysis and discussion, it can be concluded that Service (X1) and the Claim Submission Procedure (X2) affected customer interest in Sharia Insurance (Y). The Fcounting and Ftable tests showed that the results were significant, that the Fcounting value was greater than Ftable (35.11 > 3.16), while the coefficient of determination was indicated by the R2 value of 0.5476 or 54.76% affecting the interest of customers in Islamic insurance, while 45.24% was influenced by other variables unobserved.
Pengaruh Kualitas Pelayanan terhadap Kepuasan dan Loyalitas Nasabah di Bank Muamalat Indonesia Kantor Cabang Yogyakarta Rizal Fahmi, Annas Syams; Hilal, Faridl Noor
El-Barka Journal of Islamic Economics and Business Vol. 2 No. 1 (2019)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v2i1.1646

Abstract

Abstract: Based on the t test, the Service Quality variable influences Customer Satisfaction at the Bank Muamalat Indonesia Branch Office in Yogyakarta, which can be indicated by tcount greater than t table (1,981> 1,290). And in the results of this study, researchers can conclude that the above indicators have been reached by the Bank Muamalat Indonesia Branch Office in Yogyakarta, with the result that the level of quality of services provided by the Bank can be called satisfactory. One of the factors that influence satisfaction is empathy which includes ease of relationship, good communication, personal attention and understanding customer needs. Based on the t test shows that tcount is greater than t table (2,188> 1,290), meaning that the service quality variable has a significant positive effect on the variable customer loyalty. In this study, researchers found results that t count is greater than t table where this indicates that Service Quality has a positive effect on customer loyalty. The researcher in this study concluded the results that Service Quality has a very important influence on Customer Satisfaction and Customer Loyalty (Customer Satisfaction And Loyalty), especially in a case study at Bank Muamalat Indonesia, Yogyakarta Branch Office. Ø§Ù„ملخص: استنادًا إلى اختبار t ØŒ يؤثر متغير جودة الخدمة على رضا العملاء في المكتب الفرعي لبنك معاملة إندونيسيا في يوجياكارتا ØŒ والذي يمكن الإشارة إليه بحساب أكبر من عدد t الجدولي (1ØŒ981> 1ØŒ290). وفي نتائج هذه الدراسة ØŒ يمكن للباحث أن يستنتج أن المؤشرات المذكورة أعلاه قد تم الوصول إليها من قبل مكتب فرع بنك معاملة إندونيسيا  Ù…كتب فرع يوجياكارتا ØŒ مما أدى إلى أن مستوى جودة الخدمات التي يقدمها البنك يمكن أن يُعتبر مرضيا. أحد العوامل التي تؤثر على الرضا هو التعاطف الذي يتضمن سهولة العلاقة والتواصل الجيد والاهتمام الشخصي وفهم احتياجات العملاء. بناءً على اختبار t ØŒ يظهر أن عدد t الحسابي أكبر من عدد t الجدولي (2ØŒ188> 1ØŒ290) ØŒ مما يعني أن متغير جودة الخدمة له تأثير إيجابي كبير على ولاء العملاء المتغير. في هذه الدراسة ØŒ وجد الباحث نتائج تشير إلى أن عدد t الحسابي أكبر من عدد t الجدولي حيث يشير هذا إلى أن جودة الخدمة لها تأثير إيجابي على ولاء العملاء. خلص الباحث في هذه الدراسة إلى نتائج مفادها أن جودة الخدمة لها تأثير مهم على رضا العملاء وولاء العملاء (رضا العملاء وولائهم) ØŒ وخاصة في دراسة حالة في بنك معاملة إندونيسيا ØŒ مكتب فرع  ÙŠÙˆØ¬ÙŠØ§ÙƒØ§Ø±ØªØ§. Abstrak: Berdasarkan uji t, variabel Kualitas Layanan mempengaruhi Kepuasan Pelanggan di Kantor Cabang Bank Muamalat Indonesia di Yogyakarta, yang dapat ditunjukkan oleh t hitung lebih besar dari t tabel (1,981> 1,290). Dan dalam hasil penelitian ini, peneliti dapat menyimpulkan bahwa indikator di atas telah dicapai oleh Kantor Cabang Bank Muamalat Indonesia di Yogyakarta, dengan hasil bahwa tingkat kualitas layanan yang diberikan oleh Bank dapat disebut memuaskan. Salah satu faktor yang mempengaruhi kepuasan adalah empati yang meliputi kemudahan dalam hubungan, komunikasi yang baik, perhatian pribadi dan pemahaman kebutuhan pelanggan. Berdasarkan uji t menunjukkan bahwa thitung lebih besar dari ttabel (2,188> 1,290), artinya variabel kualitas layanan berpengaruh positif signifikan terhadap variabel loyalitas pelanggan. Dalam penelitian ini, peneliti menemukan hasil bahwa t hitung lebih besar dari t tabel di mana ini menunjukkan bahwa Kualitas Layanan memiliki efek positif terhadap loyalitas pelanggan. Peneliti dalam penelitian ini menyimpulkan hasil bahwa Kualitas Layanan memiliki pengaruh yang sangat penting pada Kepuasan Pelanggan dan Loyalitas Pelanggan (Kepuasan Pelanggan dan Loyalitas), terutama dalam studi kasus di Bank Muamalat Indonesia, Kantor Cabang Yogyakarta.