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Analisis Strategi Pemasaran Produk Pembiayaan Kepemilikan Rumah Dalam Meningkatkan Profitabilitas Pada Bank Sumut KCP Syariah Kota Baru Marelan Asy’ary, Muhammad Hasan; Nasution, Muhammad Lathief Ilhamy; Anggraini, Tuti
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 7 No 2 (2024): Artikel Periode Research Juli 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v7i2.1773

Abstract

Pembiayaan dengan perhatian khusus berpotensi turun menjadi pembiayaan di bawah standar. Oleh karena itu, bank harus bertindak cepat agar pembiayaan tersebut tidak menjadi non-performing. Untuk mengetahui bagaimana PT Bank Sumut KCP Syariah Kota Baru Marelan memasarkan produknya guna meningkatkan profitabilitas pembiayaan kepemilikan menjadi tujuan penelitian ini. Penelitian ini membahas mengenai strategi penyelesaian permasalahan pembiayaan. Untuk itu, teori-teori tentang apa yang dimaksud dengan pembiayaan, jenis pembiayaan apa yang bermasalah, bagaimana mengklasifikasikan profitabilitas, apa penyebab pembiayaan bermasalah, cara mengatasi pembiayaan bermasalah, manfaat, dan ciri-cirinya dijadikan sebagai titik tolak. Penelitian ini menggunakan metodologi deskriptif dan bersifat kualitatif. Topik penelitian ini adalah Bank KCP Syariah Sumut Kota Baru Marelan. Sumber data primer dan sekunder digunakan. Tiga pendekatan digunakan untuk memperoleh data: dokumentasi, wawancara, dan observasi. Temuan penelitian menunjukkan bahwa Bank Sumut KCP Syariah Kota Baru Marelan menggunakan penjangkauan nasabah, penagihan yang sering dan intensif, surat peringatan, restrukturisasi, dan eksekusi penjaminan sebagai bagian dari strategi pemasaran produk pembiayaan kepemilikan dalam upaya meningkatkan profitabilitas
Analisis Kinerja Keuangan Bank Syariah Indonesia dengan Menggunakan Metode Eagels Periode 2018-2020 Maghfirah, Nur; Anggraini, Tuti
Jurnal Ilmiah Ekonomi Islam Vol. 8 No. 3 (2022): JIEI : Vol.8, No.3, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i3.6818

Abstract

Bank Syariah Indonesia is one of the banks that offers various types of products and services. In 2018, Bank Syariah Indonesia faced high challenges. Indonesia's unfavorable economic conditions have an impact on the customer's financing business so that their finances decline. The decline in the quality of productive assets in 2018 prompted the company to increase reserves for asset losses, so that profits in 2018 were under pressure. This study aims to analyze the financial performance of Indonesian Islamic Banks using the EAGLES assessment aspect.This type of research is quantitative descriptive. This research describes systematically, factually, and accurately about the facts and characteristics of a particular population, or tries to describe the phenomenon in detail. In this study the data source used is secondary data. Aspects used to measure the financial performance of Bank Syariah Indonesia, namely, the ability to generate, asset quality, growth rate, liquidity, equity and strategic management.The results showed that the financial performance of the Indonesian Islamic Bank in terms of earning ability with ROA and ROE ratios obtained an average ratio of 0.25% and 3.11%, respectively. Judging from the aspect of asset quality, the NPF ratio obtained an average of 5.94%. The growth rate aspect which consists of the DGR and LGR ratios has an average ratio of 8.63% and 15.59%, respectively. Judging from the liquidity aspect with the FDR ratio, the average ratio is 23.33%. The equity aspect using the CAR ratio obtained an average of 12.55%. Judging from the strategic management aspect, the SRQ By Personnel ratio shows an average of 46.80%. Based on the results of the study, it can be found that the financial performance of Indonesian Islamic Banks in terms of the ROA and ROE ratios shows poor financial performance. The NPF and DGR ratios show a fairly good financial performance. Judging from the SRQ by Personnel ratio, it shows poor financial performance. Meanwhile, from the ratio of CAR, LGR and FDR, the financial performance of Bank Syariah Indonesia shows a very good performance.
Pengaruh Pengalaman Nasabah Dalam Penggunaan MBanking Terhadap Loyalitas Nasabah Bank Syariah Indonesia (Studi Kasus Masyarakat Sei Mencirim) Syahira, Tira; Indra, Ahmad Perdana; Anggraini, Tuti
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.13347

Abstract

The purpose of this research is to determine whether a company's ability to retain its current customers is more important than its ability to acquire new customers. BSI wants to increase customer satisfaction and service quality by growing customer loyalty through mobile banking. Even though many BSI clients already have BSI Mobile, not all of them make full use of it. Therefore, the level of customer loyalty when using BSI Mobile is not too high. This is based on consumer interviews with BSI mobile banking users which show that consumers often decide to make transactions via BSI Mobile. The reason is that BSI Mobile is more user friendly and convenient; all you need is a smartphone to use it anytime, anywhere. For customers who decide not to use BSI Mobile for transactions due to lack of security, increased vulnerability to fraud, and ease of hacking. The aim of this research is to analyze and assess how customer experience and service quality influence BSI mobile banking customer loyalty, both partially and simultaneously. A quantitative approach was used in this research. This data was collected through survey research techniques on BSI customers who use mobile banking services. Customer loyalty and service quality in BSI mobile banking are positively and significantly influenced by customer experience, according to research findings
ANALISIS DITERMINAN LIKUIDITAS BANK UMUM SYARIAH DENGAN UKURAN BANK SEBAGAI VARIABEL MODERATING Fitri; Soemitra, Andri; Anggraini, Tuti
Media Ekonomi Vol. 31 No. 1 (2023): April
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/me.v31i1.17289

Abstract

To analyze whether there is an influence of ROA on liquidity with bank size as a moderating variable for Sharia Banking in Indonesia. The population of this study includes annual report data from Islamic banks in Indonesia. The number of sharia banks in Indonesia in 2020 is 16 banks. The type of data used in this research is secondary data. The research method used in this research is multiple regression analysis, namely, analysis carried out to measure the magnitude of the influence of the independent variable on the dependent variable. Based on descriptive statistics regarding dependent and independent variables. Based on the results of statistical tests and discussion, the following conclusions can be drawn: CAR's effect on liquidity is moderated by bank size in Sharia banking companies in Indonesia from 2018-2022. NPF has a significant effect on liquidity, moderated by bank size in Islamic banking companies in Indonesia from 2018-2022 BOPO has a significant effect on liquidity, moderated by bank size in Islamic banking companies in Indonesia from 2018-2022. ROA has a significant effect on liquidity, moderated by bank size in Islamic banking companies in Indonesia from 2018-2022.
PENGARUH EFEKTIVITAS KREDIT USAHA RAKYAT (KUR) SYARIAH TERHADAP PENINGKATAN PROFIT USAHA MIKRO NASABAH BANK BSI KCP ISKANDAR MUDA Putri Siregar, Annisa; M. Nawawi, Zuhrinal; Anggraini, Tuti
Media Ekonomi Vol. 31 No. 2 (2023): Oktober
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/me.v31i2.18468

Abstract

This research aims for readers to know the impact of Sharia people’s Business Credit (KUR) on the profit growth of BSI Kcp Iskandar Muda micro business. The relationship and influence between variables can be determined through quantitative research methods. 193 categories of customer communities are in arrears on People’s. Business credit (KUR) at Bank BSI Kep Iskandar Muda, with the sample size selected from the Slovin formula. In collecting data in this research, the technique used was a questionnaire to see the impact of Sharia KUR on micro business profits at Bank BSI KCP Iskandar Muda. The SPSS version 23.0 program is a reference in calculating variables. It is used in the data analysis process. Kredit Usaha Rakyat Syariah influences the total profits of Bank BSI KCP Iskandar Muda Micro Businesses. The data taken are the results obtained during the research. This process can be seen through tcount which is greater than ttable. There is a strong ending with the benchmark Ho being rejected and Ha being accepted.
Analisis Faktor-Faktor Yang Mempengaruhi Terjadinya Financial Distress Perusahaan Asuransi Umum Syariah di Indonesia Utama, Septia Sakinah Rizki; Anggraini, Tuti; Harahap, Muhammad Ikhsan
JRAP (Jurnal Riset Akuntansi dan Perpajakan) Vol. 10 No. 1 (2023): Januari - Juni
Publisher : Magister Akuntansi Universitas Pancasila

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35838/jrap.2023.010.01.06

Abstract

This study aims to identify whether the factors of liquidity, leverage have a significant influence on financial distress in Islamic General Insurance Companies in Indonesia. This study uses a descriptive method with quantitative data analysis in this research population, namely all General Sharia Insurance Companies in Indonesia in 2020. In this research sample, namely three General Sharia Insurance Companies in Indonesia, using multiple linear regression analysis techniques and processed using the assistance of the IBM SPSS Statistics 26 computer application program. According to the partial fact that liquidity has a significant effect on financial distress. Partially, leverage has a significant effect on financial distress. Simultaneous estimation explains that the financial distress variable is influenced by liquidity and leverage factors simultaneously. Investors and potential investors who are considering investing in the company PT Asuransi Umum Syariah should consider the company's financial condition, such as liquidity and liabilities, which have a significant influence when predicting the situation of a company facing financial difficulties. You need to pay attention to indicators and thus you can minimize your risk namely the risk of loss.
PLANNING AND MONITORING OPERATIONAL COSTS FOR PURCHASING GOODS Ritonga, Wardoni Hikman; Nasution, Yenni Samri Juliati; Anggraini, Tuti
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 5 No 1 (2022): 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.v5i1.6307

Abstract

Planning and monitoring operational costs, including the costs of purchasing goods, are crucial for companies to achieve the goal of maximizing profit by minimizing costs. This study aims to understand and develop operational cost management practices, particularly in the context of goods purchasing, and to assess the effectiveness of planning and monitoring at PT UNEFECO. The research employs a descriptive method with a qualitative approach, utilizing observation, interviews, and document analysis. The results indicate that the planning and monitoring of operational costs for purchasing goods at PT UNEFECO have not reached the desired level of effectiveness. There are significant discrepancies between the planned and actual costs, despite the identification of some favorable variances. This suggests inaccuracies in cost estimation, a lack of effective control, or unexpected changes in market conditions. These findings highlight the need for improvements in planning and monitoring operational costs for purchasing goods at PT UNEFECO to reduce the gap between planned and actual budgets, enhance cost estimation accuracy, and improve operational control effectiveness.
THE WELFARE OF GRABBIKE DRIVERS WHO USE BPJS KETENAGAKERJAAN IN THE PERSPECTIVE OF MAQASHID AL SYARIAH Pratiwi, Eka Aprila; Anggraini, Tuti; Muhaisin, Ahmad
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 5 No 1 (2022): 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.v5i1.6351

Abstract

The transportation services in Indonesia have undergone rapid changes in the past decade. However, the welfare of Grabbike drivers using BPJS Ketenagakerjaan in Medan remains an issue. This study aims to analyze the welfare of Grabbike drivers from the perspective of maqashid al syariah. The research method used is qualitative descriptive, focusing on the income of Grabbike and traditional ojek services in Medan, with several Grabbike passengers as subjects. Primary data was obtained through interviews with Grabbike drivers and customers in Medan, while secondary data was sourced from books and e-journals related to BPJS Ketenagakerjaan. Data collection techniques included observation, interviews, and literature review. The findings indicate that the welfare of Grabbike drivers using BPJS Ketenagakerjaan can be enhanced by meeting basic needs, reducing difficulties, and improving the quality of life. This aligns with maqashid al syariah, which emphasizes the welfare and well-being of all individuals.
PENGARUH FITUR VIRTUAL ACCOUNT BILLING, PAYMENT TRANSACTION, DAN E-STATEMENT TERHADAP PENGAPLIKASIAN M-BANKING Azhari, Alwan; Anggraini, Tuti
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 6 No 2 (2023): 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.v6i2.7085

Abstract

Customers experience many problems in making direct transactions through ATM outlets such as waiting for queues at banks, remote home locations, checking bank statements and several other problems. The research aims to see the effect of virtual account billing, payment transactions, and e-statements on customer convenience in applying m-banking. This study used quantitative research methods and distributed questionnaires to 100 respondents of Sharia Banking study program students of North Sumatra State Islamic University 2019 and then processed on the SPSS application Version 29.0. This study shows that simultaneously all variables used, namely virtual account billing, payment transactions, and e-statements simultaneously have a significant influence shown by the results of the F value of the table of 20.782 > 2.70. Partially, payment transaction variables and e-statements have a significant effect on customer convenience. While the virtual account variable has no influence on the ease of customers in applying m-banking.
ANALYSIS OF PRIORITY BANKING OFFICER (PBO) MARKETING STRATEGY IN INCREASING THE NUMBER OF PRIORITY CUSTOMERS VIEWED FROM A MAQASHID SYARIAH PERSPECTIVE: BANK SUMUT KC SYARIAH PADANGSIDIMPUAN Rambe, Jelita Handayani; Imsar, Imsar; Anggraini, Tuti
istinbath Vol. 23 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/ijhi.v23i1.752

Abstract

Maintaining the excellence of PT Bank Sumut KC Syariah Padangsidimpuan requires an effective marketing strategy to be implemented in order to realize a competitive advantage and achieve predetermined targets in the marketing process. Bank Sumut KC Syariah Padangsidimpuan certainly has goals and strategies with Sharia-based purposes (Maqashid Sharia) or is more than merely material. In this context, the target in question is Priority Customers. This writing analyzes the Priority Banking Officer's marketing strategy for increasing the number of priority customers at PT. Bank Sumut KC Syariah Padangsidimpuan is reviewed from a Maqashid Syariah perspective. The research method used is descriptive-qualitative. The data collection techniques in this research were observation, interviews, documentation, and literature. Moreover, researchers used descriptive analysis techniques. The result of this writing is that PT. Bank Sumut KC Syariah Padangsidimpuan, in implementing marketing strategies to increase the number of customers, applies the Marketing Mix 7P component. Marketing Mix is a tool for marketers consisting of various marketing program elements (product, price, promotion, place, people, process, and physical evidence) that must be considered to implement the determined marketing strategy. Bank Sumut KC Syariah Padangsidimpuan, in carrying out the marketing mix strategy, contains Maqashid Syariah principles containing sharia values ​​that are by sharia objectives (Maqashid Syariah). The marketing mix aspect (product, price, promotion, place, people, processes, and physical evidence) contains sharia values ​​by the 5 principles of maqashid sharia (sharia goals), namely protecting religion, soul, will, descendants, and property.
Co-Authors Adrian, Muhammad Fikri Ahmad Riyansyah, Ahmad Akbar, Ahmad Yusuf Alfarezzi, Ahmad Alfian, Ian ian Amalia Nasution, Nabilla Amanda, Feby Aulia Amelia, Anika Andini Al Khoiri, Putri Andri Soemitra Anfa, Sugianto Anggaraini, Tuti Annisari, Annisari Aqwa Naser Daulay Ariesta, Syahna Arifin Fauzi Lubis Ariski, Martogi Arnida Wahyuni Lubis Asmuni Asmuni , Asmuni Asmuni Asmuni Asriadi, Ari Asy’ary, Muhammad Hasan Atika, Febri Aulia, Nafra Ayunda, Afrila Ayuni, Ifti Azahar Siregar, Rahmat Azhari, Alwan Bayani, Luthfiah Nur Bayu Prabowo, Bayu Bi Rahmani, Nur Ahmadi Budi Harianto, Budi Dalimunthe, Maya Oktavia Dewi, Cindy Kumala Dhian Rosalina, Dhian Djunaidi, Zikri Habibi Effendi, Lutfiah Eka Putri Simanjuntak, Febrina Emizal Amri, Emizal Erda Fitriani Fadhilah, Gina Fadillah, Muhammad Aris Fauzan, M. Febriani, Gymnasti Fili, Nada Sausan Adha Filka, Nadhri Fitri Fransiska, Silvia Hafizah, Raisya Hanafi, Burhan Harahap, Aswan Nawawi Harahap, Faiza Shakira Saina Harahap, Faris Andrawika Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Hasibuan, Muthia Hafsari Hayady, Roza Hayati, Nur Fadillah Ikhsan Harahap, Muhammad Imsar, Imsar Indra, Ahmad Perdana Indradewa, Rhian Ira Purnama Irawan, Harry Irham, Mawaddah Irmayani Isna Fauziah, Isna Jihan, Siti Juliana Nasution Juliati Nasution, Yenni Samri Julita Keumala Hayati Khairunnisa, Ira Amalia Khoiriah, Zulfa Khoiriaturrahmah, Miftah Kusmilawaty, Kusmilawaty Kusuma, Annisa Ayu Lathief Ilhamy, Muhammad Laylan Syafina Lestari, Aprilia Lubis, Balqis Mawaddah Lubis, Ismul Fakhri Lubis, Muhammad Iqbal Asyari Lubis, Yulpida Sari Lutfiah, Dhita M Nawawi, Zuhrinal Maghfirah, Nur Manik, M. Rikwan ES. Manurung, Nurlatifah Marliyah, Marliyah Matondang, Muhammad Haekal Maysarah, Maysarah Muhaisin, Ahmad Muhammad Lathief Ilhamy Nasution Muhammad Riduan, Muhammad Muhammad Syukri Albani Nasution Muhammad Yafiz, Muhammad Multa Nasution, Darwin Munthe, Raja Syahrial Mustapa  Khamal  Rokan Nasution, Aida Fitri Nasution, Juliana Nasution, Muhammad Irwan Padli Nasution, Muhammad Latief Ilhamy nasution, Muhammad Latif Ilhamy Nasution, Nadya Dwinna Putri Nasution, Sariati Nasution, Syahdinar Ningruma, Dyah Asti Nst , Uci Roito Anggina Nuh, Ruslee Nurhasanah, Upik Nurhayati Nurhayati Nurhayati Nurlaila Nurlaila Nursantri Yanti Nurul Inayah Nurul Jannah Nurwani Nurwani Nurwani, Nurwani Olivia Ningrum, Natasya Pardamean Siregar, Pardamean Perdana Indra, Ahmad Prabowo, agus P Pratiwi, Eka Aprila Pulugan, Riziq Ahmad Purba, Rendi Puspita, Windy Putri Siregar, Annisa Putri, Kennadem Kurnia Putri, Sri Eka Qarni, Waizul Qodriyah, Nurul Ni'mah Rahma Sari Zein Rahma, Tri Inda Fadhila Rahmadhani, Anisa Rahmah, Nuzulliah Rahmi Syahriza, Rahmi Ramadhani, Anggraini Rambe, Jelita Handayani Restu Tanjung, Dwi Ripai Saragih, Ahmad Ritonga, Lilis Suryani Ritonga, Vera Ayu Ningsih Ritonga, Wardoni Hikman Rizkan Polem, T. Rizqiyah, Anisah Ruhama, Intan Salsabila, Raisya Sandi, Muhammad Santi Arafah Sari, Reni Ilma Sari, Riska Dwi Sijabat, Winda Irmayani Sinaga, Muhammad Syahputra Sipahutar, Ana Pahira Sirait, Frida Yanti Siregar, Tetty Handayani Situmorang, Harudini Nizar Solin, Naia Fingkani sri sudiarti Srisudiarti sriwahyuni Sriwahyuni Subandi Subandi Sufa, Amanda Oktavia Sugianto Sugianto Sugianto Suharto, Tentiyo Supardi Supardi Susanty, Widya Syahira, Tira Syakir, Ahmad Syarbaini, Ahmad Muhaisin B Tambunan, Ria Tifanny Utama, Septia Sakinah Rizki Vanessa Vanessa Venny Fraya Hartin Nst Wardani, Aisyatul Wijaya, Rio Winarsih, Safitri YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI YUDI SISWADI Yuditia, Oppi Yolanda Yunni, Yunni Zainarti Zainarti Zamzam, Ayu Raudah Zuhra, Annisa Zuhrinal M. Nawawi zulfikar, Zulfikar