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IS IT FAIR TO ASSESS THE PERFORMANCE OF ISLAMIC BANKS BASED ON THE CONVENTIONAL BANK PLATFORM? Elyanti Rosmanidar; Muhamad Ahsan; Abu Azam Al-Hadi; Nguyen Thi Minh Phuong
ULUL ALBAB Jurnal Studi Islam Vol 23, No 1 (2022): Islamic Law and Economic
Publisher : Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ua.v23i1.15473

Several studies found the weakness of using conventional performance measurement tools such as CAMELS and RGEC in Islamic banking and the lack of performance measurement tools following the characteristics of Islamic banks. This is the solid reason to have a performance measurement system that integrates the objectives of sharia and the business objectives of sharia banking. This study explores the application of maqâsi}d al-sharî‘ah values in Islamic banking and initiated a Sharia Integrated Performance Measurement (SIPM) structure. This is a library research. The primary data were collected through in-depth interviews with practitioners, experts, and academics of Islamic banking, while secondary data was taken from the literature and previous research that discussed the measurement of Islamic banking performance. The data were analyzed through several stages: data reduction, data display, and concluding with the help of the Atlas.ti application version 8. This study wants to contribute to the idea of building a Sharia Integrated Performance Measurement (SIPM) platform through three components: Islamic commercial performance, Islamic social performance, and Islamic macroeconomics performance in Islamic banking.

PHILANTHROPY OF ISLAMIC BANKING: A STRATEGY IN STRENGTHENING THE ECONOMIC GROWTH AND PROSPERITY Binti Nur Asiyah; M. Ridlwan Nasir; Muhamad Ahsan
Share: Jurnal Ekonomi dan Keuangan Islam Vol 8, No 2 (2019)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Islamic banking has philanthropy values presented in zakat and other virtue funds as it aims at enhancing economic growth and prosperity. These philanthropy instruments are one of the differences between Islamic banks and conventional banks. However, the role of zakat and other funds in enhancing people’s welfare needs to be analyzed since the market share of Islamic banks is still growing slowly. This paper is intended to analyze the influence of zakat and the other virtue funds towards the realization of social welfare. In specific, this paper also intends to find a strategy for strengthening welfare through the role of philanthropy of Islamic banks. This study utilizes a quantitative approach that is analyzed using the Spearman correlation test. The results of the paper are: first, zakat has no significant correlation on welfare; second, other virtue funds have a significant correlation with welfare. The strategy proposed is to empower zakat collection agencies funds and establish channeling that link to Islamic banks so that the productive zakat allocation can be managed by Islamic bank customers.==============================================================================================Filantropi Perbankan Syariah: Suatu Strategi dalam Penguatan Pertumbuhan Ekonomi dan Kesejahteraan. Bank syariah memiliki nilai filantropi dalam zakat dan dana kebajikan lainnya dimana instrumen tersebut bertujuan untuk meningkatkan pertumbuhan ekonomi dan kemakmuran masyarakat. Instrumen ini merupakan salah satu yang membedakan antara bank konvensional dengan bank syariah. Akan tetapi, sejauhmana peran zakat dan instrumen filantropi dalam meningkatkan kesejahteraan masyarakat masih harus dianalisis lebih lanjut mengingat pertumbuhan market share dari bank syariah masih sangat rendah. Paper ini bertujuan untuk menganalisis pengaruh zakat dan dana kebajikan lainnya terhadap terwujudnya kesejahteraan masyarakat. Paper ini sekaligus bermaksud menemukan suatu strategi dalam penguatan kesejahteraan melalui peran sosial finance bank syariah. Paper ini ditulis dengan pendekatan kuantitatif yang dianalisis dengan spearman correlation test. Hasil kajian menunjukkan bahwa: pertama, zakat memiliki korelasi yang tidak signifikan terhadap kesejahteraan; kedua, dana kebajikan memiliki korelasi yang signifikan terhadap kesejahteraan. Adapun strategi penguatan yang perlu dilakukan adalah meningkatkan alokasi dana zakat kepada lembaga amil zakat dan membangun chaneling dengan bank syariah agar alokasi zakat produktif dapat dikelola oleh nasabah bank syariah.

MANAJEMEN SISTEM INFORMASI TERINTEGRASI PROGRAM STUDI UNIVERSITAS ISLAM NEGERI SUNAN AMPEL SURABAYA MENUJU WORLD CLASS UNIVERSITY Rakhmawati; Muhamad Ahsan; Ilham
Journal of Innovation Research and Knowledge Vol. 1 No. 6: Nopember 2021
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (233.49 KB)

Penelitian ini dimaksudkan untuk mengetahui efektifitas dan efisiensi penggunaan sistem informasi akademik pada perguruan tinggi di Indonesia khususnya di UIN Sunan Ampel Surabaya. Tata kelola sistem informasi di perguruan tinggi UIN Sunan Ampel Surabaya sangat penting, antara lain sistem informasi penjadwalan mengajar, informasi skripsi, informasi kerja praktek, informasi kinerja, informasi tridharma dan informasi akademik lainnya. Kajian manajemen teknologi informasi di perguruan tinggi bertujuan untuk mengukur sejauh mana penerapan teknologi informasi mampu mendukung kegiatan Tri Dharma Perguruan Tinggi dalam rangka menjadi world class university. Permasalahan dalam penelitian ini adalah bagaimana mengaudit tata kelola sistem informasi penjadwalan pengajaran, informasi skripsi, informasi kerja praktek, informasi kinerja, informasi tridharma dan informasi akademik lainnya pada program studi di UIN Sunan Ampel Surabaya menurut kerangka yang baik dan benar. . bagaimana mendapatkan rekomendasi perbaikan sistem. Penelitian ini menggunakan framework COBIT untuk meningkatkan evaluasi, kualitas tata kelola sistem. Kesimpulan dari penelitian ini adalah terciptanya dokumen rekomendasi hasil audit manajemen teknologi informasi di UIN Sunan Ampel Surabaya yang berkaitan dengan evaluasi, pemantauan dan pengembangan lebih lanjut dari komponen sistem informasi yang dibutuhkan dalam integrasi sistem secara keseluruhan yang diharapkan dapat memiliki tingkat keandalan yang tinggi dalam komponen. Komponen Infrastruktur TI, Tata Kelola, Sistem, dan Pemanfaatan Aplikasi yang terintegrasi dengan sempurna.

The Intervening Effect of Customer Satisfaction at 212 Mart Nafisatul Husniah; Muhamad Ahsan; Nurhayati Nurhayati
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 7, No 02 (2023): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v7i02.4283

Today, many sharia minimarkets are operating in Indonesia, including 212 Mart. This minimarket was inspired by Aksi Bela Islam 212. Despite emphasizing sharia values, customer loyalty is still the primary determinant of the success of a business. This study aimed to analyze and prove the variable influence of religiosity, brand equity, and service quality on customer loyalty with customer satisfaction as an intervening variable in the 212 Mart DKI Jakarta area. The quantitative method is used to prove the hypothesis proposed by the research sample of 136 respondents (response rate of 82%). The data were collected using the purposive sampling technique through a questionnaire given directly to the respondents. The collected data were analyzed using Partial Least Square through the SmartPLS 3.0 application. The results showed; that first, there was a direct influence on the variable of religiosity and service quality on customer loyalty and the variable of service quality on customer satisfaction. Second, the effect of religiosity, brand equity, and service quality on customer loyalty is not mediated by customer satisfaction as an intervening variable. The uniqueness of this result is that customer satisfaction does not judge the effect of other variables on customer loyalty at 212 Mart. In the future, it is essential to know whether the same applies to other sharia-based minimarkets.

The Intervening Effect of Customer Satisfaction at 212 Mart Nafisatul Husniah; Muhamad Ahsan; Nurhayati Nurhayati
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 7 No. 02 (2023): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v7i02.4283

Today, many sharia minimarkets are operating in Indonesia, including 212 Mart. This minimarket was inspired by Aksi Bela Islam 212. Despite emphasizing sharia values, customer loyalty is still the primary determinant of the success of a business. This study aimed to analyze and prove the variable influence of religiosity, brand equity, and service quality on customer loyalty with customer satisfaction as an intervening variable in the 212 Mart DKI Jakarta area. The quantitative method is used to prove the hypothesis proposed by the research sample of 136 respondents (response rate of 82%). The data were collected using the purposive sampling technique through a questionnaire given directly to the respondents. The collected data were analyzed using Partial Least Square through the SmartPLS 3.0 application. The results showed; that first, there was a direct influence on the variable of religiosity and service quality on customer loyalty and the variable of service quality on customer satisfaction. Second, the effect of religiosity, brand equity, and service quality on customer loyalty is not mediated by customer satisfaction as an intervening variable. The uniqueness of this result is that customer satisfaction does not judge the effect of other variables on customer loyalty at 212 Mart. In the future, it is essential to know whether the same applies to other sharia-based minimarkets.

Manajemen Risiko Pembiayaan pada Bank Syariah 2018-2022: Literature Studies Ahmad Agus Hidayat; Achmad Muzakki; Muhamad Ahsan; Alfa Saniyah
Iqtisad: Reconstruction of Justice and Welfare for Indonesia Vol 10, No 2 (2023): Jurnal Iqtisad
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/iq.v10i2.9505

Financing risk management in Islamic banks has been widely discussed in scientific articles, both nationally accredited and unaccredited. The purpose of this research is to see the extent of the application of financing risk management in Islamic banks in Indonesia and to find out the financing model that is most attractive to customers. In this research, the method used is through a qualitative content analysis approach. The results of this study state that the majority of financing in Islamic banks in Indonesia have implemented risk management through 4 stages, namely, risk identification, risk measurement, risk monitoring and finally risk control. While the financing contract that most customers are interested in using the murabahah contract, the main reason is because in this contract the risks faced are the least compared to other contracts, if from the bank's perspective with the amount of customer interest in the murabahah contract, of course the benefits it gets tend to be the biggest compared to other contracts. In addition, the bank also avoids the risk of accepting defaults from customers, because in murabaha customers still have an obligation to pay in a state of profit or loss.Keywords: Risk Management; Sharia Banks; Literature StudyAbstrakManajemen risiko pembiayaan pada bank syariah telah banyak dibahas diberbagai artikel ilmiah, baik yang sudah terakreditasi secara nasional ataupun belum terakreditasi. Tujuan penelitian ini untuk melihat sejauh mana penerapan manajemen risiko pembiayaan pada bank syariah di Indonesia serta mengetahui model pembiayaan yang paling diminati nasabah. Metode yang digunakan pada penelitian ini adalah konten analisis. Hasil penelitian menunjukkan bahwa mayoritas pembiayaan pada bank syariah di Indonesia telah menerapkan manajemen risiko melalui 4 tahapan yakni, identifikasi resiko, pengukuran resiko, pemantauan resiko dan pengendalian risiko. Sedangkan akad pembiayaan yang paling banyak diminati nasabah adalah akad murabahah karena pada akad tersebut risikonya paling rendah bila dibandingkan dengan akad lainnya. Jika ditinjau dari perspektif Bank, akad murabahah memberi keuntungan yang paling tinggi dibandingkan akad lainnya. Disamping itu risiko gagal bayar dari nasabah rendah, karena nasabah tetap memiliki kewajiban membayar kewajibannya dalam keadaan untung ataupun rugi.

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