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Pengaruh Bauran Pemasaran Terhadap Keputusan Nasabah Menggunakan Produk Jasa Keuangan Syariah Perspektif Islamic Marketing Ethics muhammad suhaidi
Jurnal Ilmiah Ekonomi Islam Vol 8, No 1 (2022): JIEI : Vol. 8, No. 1, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i1.4617

Islamic marketing ethics (Islamic marketing ethics) is a marketing activity that is based on the spirit of worshiping Allah SWT and optimally trying to improve the welfare of the community, not for the interests of groups let alone personal interests and carrying out marketing functions in an Islamic way. An effective marketing program integrates all elements of the marketing mix into a marketing program designed to achieve the company's marketing objectives by delivering value to customers. The formulation of the problem in this study is whether Islamic marketing ethics in the analysis of the marketing mix in the context of product, price, distribution and promotion has a significant effect on customer decisions to use Islamic financial services at BMT Assyafi'iyah Karang Anyar, South Lampung. Based on the analysis in this study, it is known that the independent variables in Islamic marketing ethics in the analysis of the marketing mix, namely Product (X1), Price (X2), Distribution (X3) and Promotion (X4) have a simultaneous effect on the dependent variable, namely Customer Decision (Y). ). This can be seen from the results of the comparison of the value of Fcount > Ftable of 16,644 > 2.48. Partially there is only one variable that affects customer decisions, namely the price variable (X2) with a tcount of 7.872, while the product variables (X1), distribution (X3), and promotions (X4) do not partially affect the customer's decision to use financial service products. sharia in BMT Asyafi'iyah. In general, Islamic marketing ethics in the context of products, prices, distributions and promotions carried out by BMT Asyafi'iyah Karang Anyar are good and in accordance with sharia principles, this can be seen from the distribution of the majority of respondents' answers who chose to agree on each indicator of Islamic marketing ethics. product context, pricing, distribution and promotion.

Pengaruh Sukuk To Equity Ratio, Current Ratio, Debt To Equity Ratio dan Size Terhadap Profitabilitas Perusahaan yang Terdaftar di Bursa Efek Indonesia Tahun 2013-2018 muhammad suhaidi
Jurnal Ilmiah Ekonomi Islam Vol 8, No 1 (2022): JIEI : Vol. 8, No. 1, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i1.4603

The company's profitability can be interpreted as a prospect or future, many factors can affect the level of profitability of a company, so companies are required to make efforts to obtain maximum profit. One indicator of the company's profitability can be seen from the return on assets of the company itself. The factors in question that can affect the company's profitability include the company's ability to carry out financing, meet its short-term debt, the company's ability in capital structure policies and how the company utilizes all its assets. Based on the above background, this study was conducted to examine and examine the effect of sukuk to equity ratio, current ratio, debt to equity ratio and size on the profitability of companies listed on the Indonesia Stock Exchange in 2013-2018. The source of data in this study comes from secondary data. The data collection technique uses documentation studies in the form of statistics on the development of companies that issue sukuk ijarah and data published by the Indonesia Stock Exchange and the Financial Services Authority. While the data analysis technique in this study used multiple linear regression analysis techniques. The results showed that the simultaneous issuance of Sukuk Ijarah, Current Rastio, Debt To Equity Ratio and size had a positive and significant impact on company profitability. As for partially, first, the issuance of sukuk ijarah has a positive influence on the company's profitability. Second, the Current Ratio has no effect on the company's profitability. Third, the Debt To Equity Ratio has no effect on profitability. Fourth, Size has a significant positive effect on company profitability.

Pengaruh Word of Mouth dan E-Commerce Terhadap Peningkatan Pendapatan Menurut Perspektif Ekonomi Islam Muhammad Suhaidi; Desi Nurhabibah; Estelee Elora Akbar; Muhammad Iskandar
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5790

Income is a very important element in a trading business, because in doing a business, of course you want to know the value or amount of income earned during the business. In an economic sense, income is remuneration for the use of production factors owned by the household sector and the corporate sector which can be in the form of salaries/wages, rent, interest and profits/profits. The formulation of the problem in this study is how word of mouth and e-commerce partially and simultaneously affect the increase in income, how word of mouth and e-commerce affect the increase in income according to the Islamic Economic Perspective. The purpose of this study was to determine and analyze word of mouth and e-commerce have a positive effect on increasing revenue partially and simultaneously and to determine and analyze word of mouth and e-commerce on increasing income in the Islamic Economic Perspective. This research methodology uses quantitative methods. Sources of primary data and secondary data. The sample in this study amounted to 30 employees at Yummy Pie as respondents using a sampling technique. By using validity test, reliability test and prerequisite test using normality test and multicollinearity test. The data analysis process uses multiple linear regression analysis with SPSS 20 data processing tools. The results in the study partially show that the word of mouth variable has no significant effect on increasing income, e-commerce has a positive effect on increasing income at yummy pie in Bandar Lampung City. The results of the study simultaneously show that word of mouth and e-commerce variables have a significant effect on increasing income at yummy pie in Bandar Lampung City. The result of the analysis of the determinant coefficient of R-Squared is 0.225. This means that the variance and word of mouth and e-commerce are able to explain the variance of 22.5% while the remaining 77.5% is explained by other variables outside the study.

Hubungan Dinamis Arus Modal Asing, Nilai Tukar Rupiah dan Pergerakan Indeks JII 30 dengan Metode Pendekatan Vector Autoregressive (VAR) pada Masa Pandemi Covid 19 Muhammad Suhaidi; Winda Anggraini; Hendra Novian; M. Nasor; Nina Ayu Puspita Sari
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5756

This study was conducted to determine the dynamic relationship of foreign capital flows, the rupiah exchange rate and the movement of the JII 30 index. The type of research used is quantitative research with the Autoregressive vector analysis (VAR) method using daily time series data for the period March-December 2019 to March-December. 2020 with the help of the eviews 9. Data collection was carried out using secondary data in the form of published reports from websites related to research. The population of this study are companies listed in the Jakarta Islamic Index (JII). The sampling technique used in this research is the saturated sample technique. The number of companies that were sampled in this study were 30 companies. Granger causality test results show that the variable of foreign capital flows has a one-way relationship with the rupiah exchange rate, where foreign capital flows affect the rupiah exchange rate in Indonesia. Then the variable of foreign capital flows also has a one-way relationship with the JII 30 movement index. Where foreign capital flows affect the JII 30 movement index, as well as the rupiah exchange rate variable has a one-way relationship with the JII 30 movement index. Where the JII 30 index affects the exchange rate. rupiah. The results of another study using the cointegration test show that the variables of foreign capital flows, the rupiah exchange rate and the JII 30 movement index have a long-term equilibrium relationship. Foreign capital flows and the rupiah exchange rate before and before covid 19 did not affect each other, while the rupiah exchange rate before and before covid 19 affected the JII 30 index.

Pengaruh Penerbitan Surat Berharga Syariah Negara (SBSN) dan Faktor Eksternal Terhadap Profitabilitas Perbankan Syariah di Indonesia Muhammad Suhaidi
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 5 No 1 (2022): Article Research Volume 5 Number 1, Januari 2022
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v5i1.643

Profitabilitas perusahaan dapat diartikan sebagai prospek atau masa depan, banyak faktor yang dapat mempengaruhi tingkat profitabilitas suatu perusahaan, sehingga perusahaan dituntut untuk melakukan upaya agar memperoleh profit yang maksimal. Salah satu indikator profitabilitas perusahaan dapat di lihat dari nilai Return On Asset perusahaan itu sendiri. Dari latar belakang masalah di atas, penelitian ini dilakukan untuk mengetahui pengaruh penerbitan SBSN terhadap profitabilitas Perbankan Syariah di Indonesia, untuk mengetahui pengaruh Inflasi terhadap profitabilitas Perbankan Syariah di Indonesia, mengetahui pengaruh BI Rate terhadap profitabilitas Perbankan Syariah di Indonesia, mengetahui pengaruh Kurs Rupiah terhadap profitabilitas Perbankan Syariah di Indonesia dan untuk mengatahui pengaruh penerbitan SBSN, Inflasi, BI Rate dan Kurs Rupiah terhadap profitabilitas Perbankan Syariah di Indonesia. Jenis penelitian ini adalah penelitian kuantitatif. Sumber data dalam penelitian ini bersumber dari data-data sekunder. Teknik pengumpulan data menggunakan studi dokumentasi berupa Statistik perkembangan Bank Umum Syariah di Indonesia yang menerbitkan SBSN dan data-data yang dipublikasikan oleh Bursa Efek Indonesai dan Otoritas Jasa Keuangan serta Bank Indonesia. Sedangkan teknik analisis data dalam penelitian ini menggunakan teknik analisis uji secara parsial dan secara berganda. Berdasarkan hasil penelitian dapat disimpulkan bahwa Secara Parsial, pertama, penerbitan SBSN memiliki pengaruh yang positif terhadap Return On Asset Bank Umum Syariah di Indonesia. Kedua, Inflas memiliki pengaruh Signifikan terhadap Return On Aset Bank Umum Syariah di Indonesia. Ketiga, BI Rate memiliki pengaruh terhadap Return On Aset serta Kurs Rupiah memiliki berpengaruh positif secara signifikan terhadap terhadap Return On Aset Bank Umum Syariah di Indonesia. Adapun secara simultan penerbitan SBSN, Inflasi, BI. Rate dan Kurs Rupiah memiliki pengaruh positif dan signifikan terhadap Return On Aset Bank Umum Syariah di Indonesia

Pengaruh Defisit Anggaran, Inflasi dan Nilai Tukar Rupiah Terhadap Utang Luar Negeri Indonesia dalam Perspektif Ekonomi Islam Tahun 2010-2019 Fauzi Fauzi; Muhammad Suhaidi
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5864

This research aims to analyze the effect of the budget deficit, inflation and rupiah exchange rate on Indonesia's foreign debt in 2010-2019 partially and simultaneously and reviewed from the perspective of Islamic economics. The object of this research is Indonesia's foreign debt as the dependent variable, and three independent variables, namely the budget deficit, inflation and the rupiah exchange rate from 2010 to 2019. This research is a quantitative research. The type of data used is secondary time series data from 2010-2019 which was obtained from the official website of Bank Indonesia, the Ministry of Finance of the Republic of Indonesia and the Indonesian Central Statistics Agency. Data collection techniques in this research are documentation and literature study. The population in this study is all data on Indonesia's foreign debt, budget deficit, inflation and the rupiah exchange rate. The sample in this study is data on Indonesia's foreign debt, budget deficit, inflation and the rupiah exchange rate for 2010-2019. The sampling technique in this study used purposive sampling. Analysis of the data used is multiple linear regression analysis in OLS (Ordinary Least Square) using the computer program E-views 9. The results showed that partially the budget deficit had no positive and insignificant effect on Indonesia's foreign debt. Inflation has no positive and insignificant effect on Indonesia's foreign debt. The rupiah exchange rate has a positive and significant effect on Indonesia's foreign debt. The results of the study show that the budget deficit, inflation and the rupiah exchange rate together have a significant effect on Indonesia's foreign debt in 2010-2019. Foreign debt is actually allowed in Islam, but it is not recommended, external financing (funds from outside) is allowed as long as the mechanism is modified according to Islamic law.

Peran Moderasi Komite Audit dalam Hubungan Audit Tenure dan Reputasi KAP dengan Kualitas Audit Khavid Normasyhuri; Fauzi Fauzi; Muhammad Suhaidi
Owner : Riset dan Jurnal Akuntansi Vol. 6 No. 4 (2022): Artikel Volume 6 Issue 4 Periode Oktober 2022
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v6i4.1142

This study tries to provide empirical evidence in order to see the factors that can affect audit quality, namely audit tenure and reputation of public accounting firms and see whether the audit committee can strengthen or even weaken in improving audit quality. The research sample is a manufacturing company listed on the Indonesia Stock Exchange from 2019-2021 with a purposive sampling technique. The number of observed samples was 96. The data analysis used was logistic regression and Moderate Regression Analysis. The statistical tool used is SPSS Version 21. The results of the study provide facts that audit tenure has no effect on improving audit quality. The reputation of the Public Accounting Firm has an influence on improving audit quality. The audit committee has not been able to moderate or weaken the relationship between audit period and audit quality improvement. The audit committee is able to moderate or strengthen the reputation of the Public Accounting Firm on improving audit quality.

Pengaruh Kondisi Makro Ekonomi Terhadap Perubahan Laba Operasional Bank Umum Syariah Di Indonesia Fauzi Fauzi; Muhammad Suhaidi; Wulandari Wulandari; Sri Rahayu
Jurnal Ekonomi Teknologi dan Bisnis (JETBIS) Vol. 2 No. 3 (2023): JETBIS : Journal Of Economics, Technology and Business
Publisher : Al-Makki Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57185/jetbis.v2i3.39

Dari masa kemasa dunia perbankan mengalami perubahan dan pertumbuhan yang signifikan. Persaingan antar bank dalam mempertahankan nasabah dan meningkatkan kualitas laba menjadikan setiap bank harus mampu utnuk terus berinovasi dalam berbagai bidang. Kondisi ekonomi makro yang tidak menentu, dimana dapat menyebabkan gejolak perekonomian yang berdampak pada tingkat pendapatan yang diperoleh oleh Bank Umum Syariah. Berdasarkan pada uraian latar belakang rumusan masalah dalam penelitian ini yaitu bagaimana pengaruh Inflasi, BI Rate, GDP, Nilai Tukar secara Parsial dan Simultan terhadap Laba Operasional Bank Umum Syariah, serta dalam perspektif ekonomi syariah. Tujuan dari penelitian ini adalah untuk mengetahui apakah perubahan kondisi makro ekonomi mampu meningkatkan laba dari bank umum syariah atau justru membuat laba dari bank umum syariah akan mengalami penurunan. Metode penelitian ini menggunakan analisis deskriptif dengan pendekatan kuantitatif. Jenis data yang digunakan adalah data sekunder yang diambil dari berbagai website resmi yang terkait dengan data penenlitian seperti website resmi Otoritas Jasa Keuangan, Bank Indonesia dan Badan Pusat Statistik. Metode analisis data yang digunakan dalam penelitian ini adalah analisis statistik deskriptif, uji asumsi klasik, analisis regresi linier berganda, dan uji hipotesis, dengan menggunakan SPSS for window versi 25 dan Microsoft excel 2013 dengan level signifikan 0.05. Hasil penelitian secara parsial menunjukan bahwa inflasi berpengaruh signifikan terhadap perubahan laba operasional, BI Rate berpengaruh negatif signifikan terhadap perubahan laba operasional, nilai tukar berpengaruh signifikan terhadap perubahan laba operasional, dan GDP tidak berpengaruh tidak signifikan terhadap perubahan laba operasional. Sedangkan secara simultan menunjukan bahwa Inflasi, BI Rate, Nilai Tukar dan GDP secara bersama-sama berpengaruh terhadap perubahan laba operasional bank umum syariah.

Pengaruh Kondisi Makro Ekonomi Terhadap Perubahan Laba Operasional Bank Umum Syariah Di Indonesia Fauzi, Fauzi; Suhaidi, Muhammad; Wulandari, Wulandari; Rahayu, Sri
Jurnal Ekonomi Teknologi dan Bisnis (JETBIS) Vol. 2 No. 3 (2023): Jurnal Ekonomi, Teknologi dan Bisnis
Publisher : Al-Makki Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57185/jetbis.v2i3.39

Dari masa kemasa dunia perbankan mengalami perubahan dan pertumbuhan yang signifikan. Persaingan antar bank dalam mempertahankan nasabah dan meningkatkan kualitas laba menjadikan setiap bank harus mampu utnuk terus berinovasi dalam berbagai bidang. Kondisi ekonomi makro yang tidak menentu, dimana dapat menyebabkan gejolak perekonomian yang berdampak pada tingkat pendapatan yang diperoleh oleh Bank Umum Syariah. Berdasarkan pada uraian latar belakang rumusan masalah dalam penelitian ini yaitu bagaimana pengaruh Inflasi, BI Rate, GDP, Nilai Tukar secara Parsial dan Simultan terhadap Laba Operasional Bank Umum Syariah, serta dalam perspektif ekonomi syariah. Tujuan dari penelitian ini adalah untuk mengetahui apakah perubahan kondisi makro ekonomi mampu meningkatkan laba dari bank umum syariah atau justru membuat laba dari bank umum syariah akan mengalami penurunan. Metode penelitian ini menggunakan analisis deskriptif dengan pendekatan kuantitatif. Jenis data yang digunakan adalah data sekunder yang diambil dari berbagai website resmi yang terkait dengan data penenlitian seperti website resmi Otoritas Jasa Keuangan, Bank Indonesia dan Badan Pusat Statistik. Metode analisis data yang digunakan dalam penelitian ini adalah analisis statistik deskriptif, uji asumsi klasik, analisis regresi linier berganda, dan uji hipotesis, dengan menggunakan SPSS for window versi 25 dan Microsoft excel 2013 dengan level signifikan 0.05. Hasil penelitian secara parsial menunjukan bahwa inflasi berpengaruh signifikan terhadap perubahan laba operasional, BI Rate berpengaruh negatif signifikan terhadap perubahan laba operasional, nilai tukar berpengaruh signifikan terhadap perubahan laba operasional, dan GDP tidak berpengaruh tidak signifikan terhadap perubahan laba operasional. Sedangkan secara simultan menunjukan bahwa Inflasi, BI Rate, Nilai Tukar dan GDP secara bersama-sama berpengaruh terhadap perubahan laba operasional bank umum syariah.

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