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Service Quality Bus Rapid Transit JATIM, Corridor I Sidoarjo-Surabaya-Gresik Buana, Miftahal Anjarsabda Wira; Z. A., Moh. Ah. Subhan
Majapahit Journal of Islamic Finance and Management Vol. 3 No. 2 (2023): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v3i2.45

There has been a significant decrease in public interest in the use of the Jatim Bus Rapid Transit (BRT) system. The present matter has a substantial impact on the decline in revenue for Perum Damri. The primary aim of this study is to evaluate the service quality of Jatim Bus Rapid Transit in Jatim, with the ultimate goal of improving public participation in this specific kind of public transportation. The results of this study reveal a significant discrepancy of -1.49, suggesting a divergence between the perceptions and anticipations of participants regarding the operating hours of the Jatim Bus Rapid Transit system. The majority of participants, comprising 64 individuals (68.1%), expressed a lack of familiarity with the operational hours of the Bus Rapid Transit (BRT) system. Additionally, they reported experiencing frequent occurrences of delayed bus arrivals at authorized bus stops. The participants conveyed their expectations regarding the clear and explicit operational hours (arrival and departure) of the Bus Rapid Transit (BRT) system. A narrower gap, tending towards zero or a positive value, signifies a heightened degree of service quality demonstrated by the organization. Conversely, when the magnitude of the gap expands, there is a corresponding decline in the degree of service quality offered by a firm. The notable decrease in the public interest and the significant discrepancy in perceptions of the Jatim Bus Rapid Transit (BRT) system’s operating hours reveals a pressing need for Perum Damri, the provider, to enhance service quality, particularly addressing issues of operational transparency and punctuality. Hence, it is crucial for service-oriented entities such as Perum Damri, the provider of the Jatim Bus Rapid Transit in Jatim, to prioritize the enhancement of service quality, with a specific focus on locations that demonstrate the most significant discrepancies as indicated by the available data.

Service Quality Bus Rapid Transit JATIM, Corridor I Sidoarjo-Surabaya-Gresik Buana, Miftahal Anjarsabda Wira; Z. A., Moh. Ah. Subhan
Majapahit Journal of Islamic Finance and Management Vol. 3 No. 2 (2023): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v3i2.45

There has been a significant decrease in public interest in the use of the Jatim Bus Rapid Transit (BRT) system. The present matter has a substantial impact on the decline in revenue for Perum Damri. The primary aim of this study is to evaluate the service quality of Jatim Bus Rapid Transit in Jatim, with the ultimate goal of improving public participation in this specific kind of public transportation. The results of this study reveal a significant discrepancy of -1.49, suggesting a divergence between the perceptions and anticipations of participants regarding the operating hours of the Jatim Bus Rapid Transit system. The majority of participants, comprising 64 individuals (68.1%), expressed a lack of familiarity with the operational hours of the Bus Rapid Transit (BRT) system. Additionally, they reported experiencing frequent occurrences of delayed bus arrivals at authorized bus stops. The participants conveyed their expectations regarding the clear and explicit operational hours (arrival and departure) of the Bus Rapid Transit (BRT) system. A narrower gap, tending towards zero or a positive value, signifies a heightened degree of service quality demonstrated by the organization. Conversely, when the magnitude of the gap expands, there is a corresponding decline in the degree of service quality offered by a firm. The notable decrease in the public interest and the significant discrepancy in perceptions of the Jatim Bus Rapid Transit (BRT) system’s operating hours reveals a pressing need for Perum Damri, the provider, to enhance service quality, particularly addressing issues of operational transparency and punctuality. Hence, it is crucial for service-oriented entities such as Perum Damri, the provider of the Jatim Bus Rapid Transit in Jatim, to prioritize the enhancement of service quality, with a specific focus on locations that demonstrate the most significant discrepancies as indicated by the available data.

Analisis Pembiyaan Take Over di KBSU Buana, Miftahal Anjarsabda Wira; Moh. Ah. Subhan ZA; Akmalul Rijal; Mohammad Toha
Akademika Vol 18 No 1 (2024): Akademika
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/adk.v18i1.1972

Peranan perbankan pada saat ini dalam memajukan perekonomian suatu negara sangatlah besar, hampir semua sektor yang berhubungan dengan berbagai kegiatan keuangan selalu membutuhkan jasa bank. Bank sebagai lembaga perantara jasa keuangan (financial intermediary), yang tugas pokoknya adalah menghimpun dana dari masyarakat, diharapkan dengan dana dimaksud dapat memenuhi kebutuhan dana pembiayaan yang tidak disediakan oleh dua lembaga sebelumnya (swasta dan negara). Saat ini berbagai macam pengembangan inovasi produk perbankan gencar dilakukan demi mewujudkan produk yang lebih kompetitif dan sesuai dengan kebutuhan masyarakat Berbagai alasan mendasari take over yang dilakukan nasabah dari bank konvensional ke bank syariah. Mulai dari alsan ingin menghindari praktik riba/bunga dibank konvensional yang mana sEtiap keterlambatan pembayaran angsuran akan menambah pembayaran bunga, penawaran bunga yang tinggi oleh bank konvensional. Dengan memindahkan transaksi ke bank syariah, nasabah merasa aman dan nyaman. Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian kualitatif deskriptif. Penelitian deskriptif yaitu menggambarkan secara sistematik dan akurat fakta dan karakteristik mengenai populasi atau bidang tertentu dengan berusaha menggambarkan situasi atau kejadian sehingga dapat lebih mudah untuk difahami dan disimpulkan. Mekanisme pengalihan hutang (take over) pembiayaan pada KBSU yaitu dimulai dengan nasabah menghubungi atau datang langsung ke Bank Muamalat Indonesia untuk mengajukan pengalihan hutang (take over), apabila disetujui pihak LKS selanjutnya nasabah mengisi formulir dan melengkapi persyaratan yang telah ditentukan. Kemudian, pihak LKS mengecek kelengkapan dan keabsahan dokumen serta melakukan verifikasi data nasabah. Lalu, pihak LKS melakukan analisis langsung ke lokasi. Selanjutnya persetujuan dari pimpinan cabang/wakilnya untuk melakukan pembiayaan. Selanjutnya melakukan pengikatan jaminan. Terakhir, pihak bank melakukan pencairan sesuai dana yang dialihkan kemudian peralihan hutang nasabah menjadi berpindah ke LKS. Melakukan Take Over dengan menggunakan metode akad murabahah merupakan sebuah tindakan yang tepat dan efektif yang harus sebuah perbankan lakukan agar dapat mengurangi resiko kerugian yang akan terjadi pada perusahaan. Akad murabahah banyak digunakan di perbankan syariah karena akad murabahah lebih jelas dan mudah dan juga untuk menghindari kerugian bank.

Analysis of Murabahah Financing for Customers Who Die Before the Maturity: Study of KBSU Tikung Lamongan Buana, Miftahal Anjarsabda Wira; ZA, Moh. Ah. Subhan; Jannah, Nur
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 2 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar

Financing customers who die before maturity but still have financing is one of the situations that occur in KBSU Lamongan, savings from depositors used for financing are naturally the responsibility of the bank in running its business. Based on the background above, the researcher is interested in raising the title "Analysis of Murabah Financing for Customers Who Die Before Maturity". This study uses a qualitative research method with a descriptive analysis approach. Qualitative is used because the main objective of this study is to reveal, explain and interpret the KBSU Strategy in handling murabahah financing for customers who die before maturity. Handling financing for customers who die is by taking an emotional approach to the heirs where the bank will convey that the parents concerned have made a loan. or in this regard, the heirs who inform the bank verbally that the customer who has financing has died, then the family is responsible for the financing by attaching a statement of no insurance signed by the family to prevent losses and minimize the risk if the financing customer dies. The obstacles that banks usually face in handling deceased customers are the circumstance factor, where the customer has not been able to report because the heirs are still grieving, the negligence factor, namely the slow confirmation from the family, this is negligence on the part of the family itself, namely delaying reporting and the slow document fulfillment factor.

Analysis of Murabahah Financing for Customers Who Die Before the Maturity: Study of KBSU Tikung Lamongan Buana, Miftahal Anjarsabda Wira; ZA, Moh. Ah. Subhan; Jannah, Nur
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 2 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar

Financing customers who die before maturity but still have financing is one of the situations that occur in KBSU Lamongan, savings from depositors used for financing are naturally the responsibility of the bank in running its business. Based on the background above, the researcher is interested in raising the title "Analysis of Murabah Financing for Customers Who Die Before Maturity". This study uses a qualitative research method with a descriptive analysis approach. Qualitative is used because the main objective of this study is to reveal, explain and interpret the KBSU Strategy in handling murabahah financing for customers who die before maturity. Handling financing for customers who die is by taking an emotional approach to the heirs where the bank will convey that the parents concerned have made a loan. or in this regard, the heirs who inform the bank verbally that the customer who has financing has died, then the family is responsible for the financing by attaching a statement of no insurance signed by the family to prevent losses and minimize the risk if the financing customer dies. The obstacles that banks usually face in handling deceased customers are the circumstance factor, where the customer has not been able to report because the heirs are still grieving, the negligence factor, namely the slow confirmation from the family, this is negligence on the part of the family itself, namely delaying reporting and the slow document fulfillment factor.

Darfiq's Cross-Marketing Strategy in Facing Competition Buana, Miftahal Anjarsabda Wira; ZA, Moh. Ah. Subhan
Malacca: Journal of Management and Business Development Vol. 1 No. 2 (2024): Management and Business Development
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/malacca.v1i2.81

Every business must be able to make itself a winner in a market that is always changing rapidly. One of them is by implementing a marketing strategy. However, in reality, several problems occur in the market, including excess capacity resulting in hyper-competition; Too many chasing customers whose numbers continue to decrease, and most products lack differentiation as a result of which many companies experience a decline in market share, stagnation and even go bankrupt because they cannot compete. Lintas Darfiq, which is an Umrah travel service provider located at Karah Agung Number 1 Surabaya and Ruko Planet Number 5 Jalan Lamongan, has only been running for 4 years, with an increase in the number of pilgrims which is sometimes no more than 25% which is less significant for the management which can be said to be stagnant because management has not yet dared to fight the price, lack of management in finding informants and new markets. For Lintas Darfiq, who is new to the Umrah travel business, the majority of which is oriented towards the Lamongan market because in its marketing it is more oriented towards a well-known mentor in Lamongan, sometimes the value of excellence in worship that it has is crossed out due to a lack of commitment in quality. The Surabaya market is very critical compared to the Lamongan market to be accepted by the Surabaya market. Their products must have good and high quality to eliminate the impression that Lintas Darfiq Lamongan is of lower quality than other Umrah travelers in Surabaya. This research method uses a descriptive qualitative approach. Data collection techniques were carried out through a preliminary survey and field studies consisting of interviews, observation and documentation. The results of the study found that Lintas Darfiq is in the second column in the second row, using the IFAS and EFAS Matrix, respectively, the IFAS score = 2.90 and EFAS = 2.46. IFAS and EFAS scores are then entered into the IE Matrix and then vertical and horizontal lines are drawn, then a meeting point occurs in quadrant V, which is a concentration diversification strategy, and also explained in the SWOT diagram, Lintas Darfiq is in quadrant 3 which means the company faces an opportunity a very large market but on the other hand it faces some external constraints or threats. The focus of this corporate strategy is to minimize internal problems in the company so that it can overcome threats and seize better market opportunities.

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