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All Journal Jurnal Tirtayasa Ekonomika (Tirtayasa Economica Journal) MANAJEMEN Maeswara: Jurnal Riset Ilmu Manajemen dan Kewirausahaan
Enok Nurhayati
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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PERSEPSI PARA ULAMA, TOKOH ORMAS ISLAM DAN AKADEMISI TERHADAP BAURAN PEMASARAN PERBANKAN SYARIAH DAN KESESUAIAN PRAKTEK PERBANKAN SYARIAH DENGAN PRINSIP-PRINSIP SYARIAH Ina Indriana; Tenny Badina; Lia Uzliawati; Enok Nurhayati
Tirtayasa Ekonomika Vol 11, No 1 (2016)
Publisher : FEB Universitas Sultan Ageng Tirtayasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1860.096 KB) | DOI: 10.35448/jte.v11i1.4173

Abstract

Penelitian ini bertujuan untuk mengetahui dan menganalisis  persepsi para ulama, para tokoh ormas Islam dan akademisi terhadap perbankan syariah. Teknik pengumpulan data yang akan digunakan yaitu metode survey dan wawancara. Metode penelitian yang digunakan dalam penelitian ini yaitu deskriptif eksploratif Berdasarkan hasil penelitian persepsi para ulama, anggota ormas Islam dan kalangan akademisi terhadap bauran pemasaran (produk, promosi, harga, lokasi dan personal) perbankan syariah berbeda-beda. Para ulama  dan kalangan akademisi menilai bauran pemasaran yang dikembangkan oleh perbankan syariah sudah tepat. Sementara anggota ormas islam menilai bauran pemasaran yang dikembangkan oleh perbankan syariah masih kurang tepat. Perbedaan persepsi ini disebabkan karena adanya perbedaan pengalaman, peranan, minat dan kebutuhan serta tingkat keyakinan.Persepsi para ulama dan kalangan akademisi terhadap kesesuaian praktek perbankan syariah dengan prinsip-prinsip syariah adalah positif. Sedangkan anggota ormas islam menilai praktek perbankan syariah  tingkat kesesuaiannya dengan prinsip-prinsip syariah masih rendah. Perbedaan persepsi tersebut dimungkinkan karena kurangnya pengalaman, pengetahuan, minat dan kebutuhan terhadap produk-produk dan layanan perbankan syariah. Kata Kunci : Persepsi, Ulama, Tokoh Ormas Islam, Akademisi, bauran pemasaran, prinsip-prinsip syariah.
ANALISIS KOMPARATIF PENGARUH RISIKO KREDIT TERHADAP PROFITABILITAS BANK UMUM KONVENSIONAL DAN BANK UMUM SYARIAH Enok Nurhayati; Wawan Ichwanudin; Nindy Septia Permatasari
Tirtayasa Ekonomika Vol 11, No 1 (2016)
Publisher : FEB Universitas Sultan Ageng Tirtayasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (72.046 KB) | DOI: 10.35448/jte.v11i1.4268

Abstract

The objective of this research was to compare the Conventional Banks and Islamic Banks and Credit Risk influence on the profitability of Conventional Banks and Islamic Banks on 2004-2012 Period. The independent variables in this researchare Non Performing Loan (NPL) and Loan to Deposit Ratio (LDR) for conventional banks and Non Perfoming Financing (NPF) and Financing to Deposit Ratio (FDR) for Islamic bankswhile the dependent variable is Return on Assets (ROA). The researcher used in this study is a method of quantitative comparative and associative.While the methods of analysis used are multiple linear regression analysis, t test, coefficient of determination and Chow test. From the test results of hypothesis was performed by using the t test,the results as  follows: The result show Ha1is rejected, it means there were no significant negative influences between the NPL to the ROA. The Ha2is accepted,tt means partially there were significant negative effect between LDR to the ROA. While the test result of Ha3is rejected,it means there were no significant negative influences between the NPF to the ROA. And the test resultof Ha4showno significant positive influences between the FDR to the ROA. For the results of the Chow test showthat the Ha5is accepted, which means there is a difference between conventional banks and Islamic banks.Key words: NPL, LDR, NPF, FDR and ROA
Analisis Implementasi Prinsip 5C Untuk Meningkatkan Kualitas Kredit Guna Bhakti di BJB KCP Palima Mei Yanti Br Surbakti; Enok Nurhayati; Fiesty Utami
Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan Vol. 2 No. 3 (2024): JUNI : Maeswara
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/maeswara.v2i3.907

Abstract

The aim of this research is to determine the quality of the implementation of 5C in Credit Guna Bhakti (KGB) and how to overcome problems that arise as a result of implementing the 5C principles at Bank BJB KCP Palima. This research method uses observation, interviews and literature study. The results of the research show that the quality of Guna Bhakti Credit at Bank BJB applies the 5C principles to prospective debtors, namely consisting of economic conditions, capacity, character, capital and collateral. 2023 will be considered smooth. Problems in implementing 5C occur in the principles of Character and Collateral. This character problem can be overcome by the bank being more careful in trusting the debtor, while regarding the Collateral principle, the bank must re-examine the prospective documents provided as collateral.
Peran Brand Trust Dalam Memediasi Pengaruh Online Customer Review dan Brand Image Terhadap Purchase Decision: (Studi Kasus Pada Hand & Body Lotion Marina di Kota Tangerang) Imas Amalia; Lutfi Lutfi; Enok Nurhayati
MANAJEMEN Vol. 5 No. 2 (2025): Oktober : MANAJEMEN (Jurnal Ilmiah Manajemen dan Kewirausahaan)
Publisher : LPPM Politeknik Pratama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/6qsxj755

Abstract

The skincare industry in Indonesia has grown rapidly alongside globalization, leading to intense competition among brands. Marina, a local hand & The Indonesian skincare industry is rapidly growing, creating intense competition among brands. Marina, a local hand & body lotion brand established in 1981, is experiencing declining sales due to competitor innovations and stronger brand positioning. This study investigates the mediating role of brand trust in the effect of online customer reviews and brand image on purchase decisions for Marina products in Tangerang. The research involved 180 respondents selected through purposive and accidental sampling. Data were processed using Structural Equation Modeling (SEM) with SmartPLS 4.0. The findings show that: (1) online customer reviews positively and significantly affect purchase decisions, (2) brand image has no direct effect on purchase decisions, (3) both online reviews and brand image significantly influence brand trust, (4) brand trust positively affects purchase decisions, and (5) brand trust mediates the relationship between online reviews, brand image, and purchase decisions. These results highlight the importance of building brand trust as a key strategy. Managing credible online reviews and maintaining product quality consistency can enhance consumer confidence, foster loyalty, and sustain competitiveness in the skincare market.
Pengaruh Influencer Marketing Terhadap Purchase Decision dengan Brand Awareness dan Perceived Value Sebagai Variabel Mediasi Ismawati Ismawati; Lutfi Lutfi; Enok Nurhayati
MANAJEMEN Vol. 5 No. 2 (2025): Oktober : MANAJEMEN (Jurnal Ilmiah Manajemen dan Kewirausahaan)
Publisher : LPPM Politeknik Pratama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/e1zjkx18

Abstract

This study aims to explore the influence of Influencer Marketing on Purchase Decision with Brand Awareness and Perceived Value as mediating variables for Purbasari scrub users in Cilegon City. The research method used is quantitative. This research collects data based on questionnaires and literature studies. The population in this study were Purbasari scrub users in Cilegon City. The sample of this study amounted to 180 respondents with accidental sampling. The data analysis method used is Structural Equation Modeling (SEM) with the SmartPLS 4 analysis tool. The results of this study indicate that Influencer Marketing has a positive but insignificant effect on Purchase Decision. Furthermore, Brand Awareness and Perceived Value are found to mediate the relationship between Influencer Marketing and Purchase Decision. In this study, Brand Awareness and Perceived Value demonstrate the ability to strengthen the effect of Influencer Marketing on Purchase Decision.
Co-Authors Fiesty Utami Imas Amalia Ina Indriana Ina Indriana Ismawati Ismawati Lia Uzliawati Lutfi Lutfi Mei Yanti Br Surbakti Nindy Septia Permatasari Tenny Badina Wawan Ichwanudin