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Strategi Peningkatan Pengumpulan Zakat, Infak dan Sedekah Pada Lembaga Amil Zakat Al-Ihsan Jawa Tengah Muhammad Tho'in; Reno Yakob Andrian
Jurnal Ilmiah Ekonomi Islam Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

This study aims to determine an effective strategy method used to increase ZIS fundraising in LAZiS Central Java and to find out how to evaluate strategies used to increase ZIS fundraising in LAZiS Central Java. An effective strategy in raising ZIS ia very much needed to be used in financing the program’s operational activities of the Intitution which ultimately achieve the vision and mission of the Institute. The analytical method used in this research is a qualitative approach. Data sources and data collection techniques in this study were interview with employees and staff of ZIS collection and sources of written data from documents, archives and other documents. The result showed that in raising ZIS funds, LAZiS Central Java used traditional methods and modern strategies. As for the two ZIS funraising strategies used by LAZiS Central Java, the most effective strategy in raising ZIS funds is the strategy that uses traditional methods. To determine the effectiveness of the strategy used, LAZiS Central Java routinely conduct evaluations of the strategies used. This evaluation is carried out every week and each month includes each section.

Analisis Faktor-faktor Yang Mempengaruhi Likuiditas Bank BNI Syariah dan Bank BCA Syariah Muhammad Tho'in; Yuge Agung Heliawan
Jurnal Ilmiah Ekonomi Islam Vol 6, No 3 (2020): JIEI : Vol.06, No. 03, 2020
Publisher : ITB AAS INDONESIA Surakarta

The purpose of this research is to determine the analysis of the factors that affect the liquidity of Islamic banks at Bank BNI Syariah and Bank BCA Syariah in 2010-2018. This research uses descriptive quantitative research that uses secondary data sources in the form of financial reports. This research uses quantitative methods, where this method is used to test the hypothesis. Sources of data in this study are secondary data in the form of financial statements of Bank BNI Syariah and Bank BCA Syariah for 2010-2018 from the official website www.bnisyariah.co.id and www.bcasyariah.co.id which are supported by journals and reference books related to research, as well as other information related to this research. The population of this research is the financial statements of Bank BNI Syariah and Bank BCA Syariah in 2010-2018. The sampling technique used purposive sampling technique, the sample in this study was quarterly financial report data published for 9 consecutive years by Bank BNI Syariah and Bank BCA Syariah. The data used is secondary data from the official website www.bnisyariah.co.id and www.bcasyariah.co.id. The results showed that the CAR variable has a significant effect on Liquidity (FDR), the NPF variable has a significant effect on Liquidity (FDR), the TPF variable has no significant effect on Liquidity (FDR), simultaneously the CAR, NPF and TPF variables have a significant effect on Liquidity ( FDR).

Analisis Tingkat Kesehatan Bank Syariah Menggunakan Rasio Permodalan, Profitabilitas, Pembiayaan, dan Risiko Kredit Slamet Santosa; Muhammad Tho'in; Sumadi Sumadi
Jurnal Ilmiah Ekonomi Islam Vol 6, No 2 (2020): JIEI, Vol.06, No. 02 Juli 2020
Publisher : ITB AAS INDONESIA Surakarta

The aims of the research is to find out the soundness level of Islamic banks seen from the capital ratio, profitability, financing, and credit. Islamic banking financial institutions which are to be the focus of this research are Bank Syariah Mandiri (BSM). This research uses quantitative descriptive methods. The data used are the 2014-2018 financial statements. The results of this study indicate that Bank Syariah Mandiri in terms of capital using the CAR ratio shows an average CAR ratio of 14.75%. This means that BSM in terms of capital is ranked very well. Bank Syariah Mandiri in terms of profitability using the ROA and ROE ratio shows an average ROA of 0.53% and ROE of 6%. This means that BSM's ability to generate profits is ranked quite well. Bank Syariah Mandiri in terms of financing using the FDR ratio shows an average FDR ratio of 79.81%. This means that BSM's ability to repay short-term loans and meet agreed financing is at a healthy rating. Bank Syariah Mandiri in terms of credit risk using the NPF ratio shows an average NPF ratio of 3.18%. This means that there is very little credit provided by BSM and the bank is viewed from the aspect of credit risk, including in a good rating. From the results of these research, indicate that the the soundness level of Bank Syariah Mandiri is in a good level of soundness.

Effect of Financing to Deposit Ratio and Operational Efficiency on Profitability (ROA) with NPF as Intervening in Islamic Banks Muhammad Tho'in
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.v8i2.5857

The purpose of this research is to determine the effect of Financing to Deposit Ratio and Operational Efficiency on Profitability (ROA) with Non Performing Financing (NPF) as Intervening in Islamic Commercial Banks in Indonesia. This research method uses a quantitative descriptive approach. Research that allows statistical calculations to use numerical data, and is used as a data analysis tool by describing the data collected to finally reach a conclusion. The type of data used in this study is secondary data which is a monthly series of data with a time period of 2015-2021. The data used are financial ratio data provided by Statistics Indonesia Islamic Commercial Banks which include the ratio of Financing to Deposit Ratio (FDR), and Operational Efficiency, Return on Assets (ROA) and Non Performing Financing (NPF). Data collection techniques in this study by utilizing field studies. The variables used by the researcher are independent variables which include the ratio of FDR (X1) and Operating Expenses and Operating Income (X2), the dependent variable which includes the ratio of ROA and the intervening variable which includes the ratio of NPF. The data analysis method used in this research is multiple linear regression analysis and path analysis. Multiple linear regression analysis was conducted to determine the linear relationship between several independent variables (X) and the dependent variable (Y). While the path analysis method is a causality analysis that occurs when exogenous variables directly or indirectly affect endogenous variables. The results showed that partially the FDR and Operational Efficiency variables had an influence on the NPF variable. In addition, only and Operational Efficiency and NPF variables partially have an effect on ROA. Based on the results of the path analysis test, it can be explained that only the Operating Cost of Operating Income (X2) has an indirect effect on Return on Assets (Y) through NPF (Z). That is, the NPF variable is able to mediate the relationship between Operational Costs of Operating Income and Return on Assets.

MARKETING STRATEGY ANALYSIS OF SHARIA MICRO FINANCIAL INSTITUTIONS IN MURABAHAH FINANCING PRODUCTS Muhammad Tho'in
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 5, No 2 (2021): IJEBAR, VOL. 05 ISSUE 02, JUNE 2021
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v5i2.2374

This research was conducted with the aim of knowing various kinds of promotion strategies for Sharia micro-Sharia financial institutions with the object of research, namely BMT Samara in promoting financing products and identifying strategies to obtain and increase the number of members (customers). The product that is the focus of this research is the murabahah financing product. This research is in the form of field research with descriptive qualitative analytic methods. The research data comes from interviews, observations, and questionnaires. The results showed that BMT Samara implemented a promotional mix strategy, including: 1). Advertising through radio broadcasts, talk shows and banner media; 2). Sales promotion of its financing products; 3). Even and experiences through recitation activities, breaking fast with orphans in the month of Ramadan, and distributing gifts on Idul Fitri; 4). Public relations and publicity through the slaughter of sacrificial animals during Idul Adha; 5). Personal selling through the activity of reducing employees to the community accompanied by pamphlets; 6). Direct marketing through the internet, namely the website; 7). Interactive online marketing is carried out with social media accounts for Facebook, Instagram, and WhatsApp group; 8). Word of mouth marketing. The most dominant promotional strategy in attracting new members or customers is events and experiences and public relations and publicity. The implication of conducting this research is that a variety of promotional strategies are needed and continue to make marketing innovations for Sharia microfinance institutions in order to increase the number of members (customers) and maintain the existence of their superior products in order to be able to compete and develop in the midst of intense competition in the financial industry.

THE EFFECT OF BANKING FINANCIAL SOUNDNESS ON STOCK PRICES TO EARNINGS AND CAPITAL VARIABLES Neli Hajar; Muhammad Tho'in; Musta'an Musta'an
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 4, No 4 (2020): IJEBAR, VOL. 4, ISSUE 04, DECEMBER 2020
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v4i4.1522

This research aims to determine the effect of banking soundness on stock prices as measured by several variables that are Earning and Capital. Earnings variables are ROA and NIM, while the Capital variable uses CAR. Banking that are the object of research are state-owned banks on the IDX 2011-2018. This research is quantitative descriptive. The independent variables of the research are ROA, NIM, and CAR, while the dependent variable is the stock price. The population in this study were 4 state-owned banks, namely BRI, BNI, BTN, and Mandiri Bank. The research sample is the assessment of the level of health with Earnings (ROA, NIM) and Capital (CAR) from financial reports published through http://www.idx.co.id. The data collection techniques using non-participant observation methods and financial reports. The data analysis technique used are descriptive statistical tests, classical assumption tests, while hypothesis testing was carried out by using multiple linear regression, t test, F test, and R2 test. The results showed that the Earning variable with ROA assessment and the Capital variable with CAR assessment had a positive and significant effect on stock prices, while the Earning variable with NIM assessment had a negative and significant effect on stock prices.

SOSIALISASI PENYEMBELIHAN DAN PEMBAGIAN HEWAN QURBAN SESUAI SYARIAT ISLAM Muhammad Tho'in; Sumadi Sumadi; Tino Feri Efendi; Dewi Muliasari; Hadi Samanto; Wikan Budi Utami; Agus Marimin
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol 4, No 2 (2022): BUDIMAS : VOL. 04 NO. 02, 2022
Publisher : LPPM ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/budimas.v4i2.6132

Tujuan dilakukannya pengabdian ini yaitu memberikan sosialisasi penyembelihan dan pembagian hewan qurban sesuai syariat Islam. Kegiatan pengabdian ini merupakan tindak lanjut kerjasama antara Institut Teknologi Bisnis AAS Indonesia ke beberapa mitra pengabdian. Kebetulan dalam pengabdian ini Institut Teknologi Bisnis AAS Indonesia bekerjasama dengan Bani Sutardi di Pulutan, Desa Kebonan, Kecamatan Karanggede, Kabupaten Boyolali yang kebetulan rutin melaksanakan kegiatan qurban saat Idul Adha. Metode pelaksanaan pengabdian ini dilakukan dengan tutorial penyampaian materi terkait penyembelihan hewan qurban yang sesuai dengan syariat Islam, kemudian dilanjutkan dengan penyembelihan dan pembagian daging qurban kepada masyarakat disekitarnya. Waktu pelaksanaan pengabdian masyarakat ini bertepatan langsung dengan Idul Adha Tahun 2022 yaitu pada tanggal 10 Juli 2022 dimana dalam kalender akademik terhitung masuk Semester Genap 2021/2022. Hasil pengabdian masyarakat ini menunjukkan bahwa: a). proses sosialisasi penyembelihan hewan qurban sesuai syariat Islam dan dilanjutkan dengan pembagian daging qurban yang dilaksanakan mendapatkan dukungan dari banyak pihak, mulai dari institusi khususnya LPPM Institut Teknologi Bisnis AAS Indonesia, keluarga besar Bani Sutardi, panitia pelaksana qurban dan masyarakat sekitar; b). Pelaksanaan penyembelihan yang dilakukan sudah sesuai ketentuan syariat Islam; c). Pembagian hewan qurban dapat berjalan lancar dan mencukupi. Implikasi dari kegiatan pengabdian masyarakat ini yaitu masyakarat semakin memahami tata cara penyembelihan yang benar sesuai syariat Islam serta mereka memahami kewajiban melaksanakan qurban bagi yang mampu sebagai wujud ketaatan kepada Allah SWT dan Rasulnya.

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