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All Journal Jurnal Bisnis, Manajemen, dan Informatika Jurnal Ilmiah Ekonomi Islam Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Journal of Economics and Business UBS Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan Milkiyah: Jurnal Hukum Ekonomi Syariah Journal of Economic Education and Entrepreneurship Studies Amsir Accounting & Finance Journal Jurnal Pengabdian Masyarakat dan Riset Pendidikan Adpebi International Journal of Multidisciplinary Sciences At Tawazun Jurnal ekonomi Islam Nomico Nomico Journal of Economic Education and Entrepreneurship Studies
St Hafsah Umar
Universitas Islam Negeri Alauddin Makassar
Religion Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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STRATEGI MANAJEMEN RISIKO PEMBIAYAAN MURABAHAH PADA PEMBIAYAAN KREDIT PEMILIKAN RUMAH SYARIAH Hafsah Umar, St
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 4, No 2 (2020)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v4i2.20231

Abstract

This study aims to know and explained about risk management strategy of murabahah costing by Syariah Mandiri Bank in handling of costing syariah house ownership credit. These research was qualitative in decriptive approach. Data analysis start of the gathering data then data analysis suitable with reduction, preparation, verification and conclusion. The result of research to proof that the risk management in murabahah costing on Syariah Mandiri Bank represent the attempt of minimalization of risk financial, as well as in pra contract or pasca contract as well as the risk in costing, risk of market and risk of operational. The risk management strategy suitable with Standard Operational Procedure from internal banking, identification to selection of customer, analysis measure about financial condition of customer with 5C analysis, monitoring of risk mitigation after contract with controlling of system computer program sigma and handling of risk through risk management include user, system and time limit.
Strategi Bisnis Bank Syariah di Masa Pandemi Covid-19 Pada PT. Bank Panin Dubai Syariah Cabang Makassar Tri Mulato; Asyraf Mustamin; Supriadi Supriadi; St Hafsah Umar; Surya Ningsih
Jurnal Ilmiah Ekonomi Islam Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (245.947 KB) | DOI: 10.29040/jiei.v7i3.2908

Abstract

The purpose of this study was to determine the development of PT Bank Panin Dubai Syariah during the covid-19 pandemic. And to find out the business strategy implemented by PT Bank Panin Dubai Syariah Makassar Branch during the covid-19 pandemic. The research method used in this research is qualitative by describing the development and business strategy of Panin Dubai Syariah Bank Makassar Branch. This type of research is a field study, primary data collection. Sources of data were obtained directly with interview data collection techniques and documentation from various sources. The data analysis technique used is descriptive qualitative, which describes the development of PT Bank Panin Dubai Syariah during the pandemic. As well as the Business Strategy carried out by PT Bank Panin Dubai Syariah Makassar branch. The results of the research on the growth of PT Bank Panin Dubai Syariah in the period May 2020 to May 2021 experienced an increase in assets of 7.6 percent, and for murabahah financing, it decreased by -44 percent. Current accounts grew by 11 percent, savings grew by 27 percent, and time deposits decreased by -7.9 percent. The business strategy implemented by PT Bank Panin Dubai Syariah during the Covid-19 pandemic was to improve office services by implementing health protocols, increasing digital-based services, increasing ATM, Mobile Banking, and Cash Management System facilities to fulfill customer transactions. For financing recovery for financing affected by COVID-19 so that they can recover, as well as continuing to carry out product offerings and penetration to attract new financing.
Membangun Kreativitas dan Literasi Keuangan di Masa Pandemi Covid-19 Trimulato Trimulato; Nasrullah Bin Sapa; Samsul Samsul; Supriadi Supriadi; Muhlis Muhlis; Asyraf Mustamin; St Hafsah Umar; Rizki Rahim
Jurnal Pengabdian Masyarakat: Pemberdayaan, Inovasi dan Perubahan Vol 1, No 1 (2021): JPM: Pemberdayaan, Inovasi dan Perubahan
Publisher : Penerbit Widina, Widina Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (275.128 KB) | DOI: 10.59818/jpm.v1i3.40

Abstract

Kegiatan pengabdian masyarakat merupakan bagian dari Tridharma perguruan tinggi yang harus dilaksanakan. Semenjak kemunculan wabah pandemi covid-19 mengakibatkan banyak kegiatan sedikit berkurang, dan sangat terbatas. Dalam kondisi seperti ini produktifitas tetap harus dilaksanakan, banyak membutuhkan kegiatan untuk kegiatan tetap berjalan di masyarakat. Tujuan dari kegiatan ini untuk meningkatkan literasi keuangan syariah masyarakat. Kemudian untuk meningkatkan kreatifitas di masa pandemic, serta kegiatan sosial untuk masyarakat. Kegiatan ini melalui beberapa tahapan, peninjauan lokasi kegiatan, pengajuan izin kegiatan, penyusunan kegiatan, sampai dengan pelaksanaan kegiatan. Hasil kegiatan ini diharapkan dapatkan meningkatkan literasi keuangan syariah di tengah masyarakat di desa binaan kampung Amanah kota Makassar. Hadirnya barang dari hasil krativitas, serta kegiatan charity berbagai kegiatan untuk masyarakat.
The Role of Sharia Tourism Business Towards Economic Growth in Indonesia and Nigeria Trimulato; Sagir Muhammad Sulaiman; Muhlis; St Hafsah Umar
Milkiyah: Jurnal Hukum Ekonomi Syariah Vol. 2 No. 1 (2023): Milkiyah: Jurnal Hukum Ekonomi Syariah, February 2023
Publisher : Rumah Jurnal STAIN Majene

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46870/milkiyah.v2i1.266

Abstract

The increasingly significant development of global tourism indirectly also has a positive impact on developing countries such as Indonesia and Nigeria. The purpose of this research is to demonstrate the development of sharia tourism in halal business, and its role in supporting the sustainable development goals (SDGs) program in Indonesia and Nigeria. The method used in this research was qualitative. Data collection techniques used by the literature from various sources. The analysis technique used is descriptive qualitative, outlining the development and potential for developing sharia tourism in Indonesia and Nigeria. Then outlines the role of its tourism in supporting the SGDs program. The results show that the sharia tourism sector has a role to support SDGs, based on its characteristics and the halal process involves many parties, so it has an impact on many parties, involving transportation service providers, ticket sales/travel agents, lodging and hotels, culinary, souvenirs and handicrafts, so move many economic actors. Sharia tourism supports SDGs, and welfare reduces poverty, food security, and economic growth provides employment, provides infrastructure, provides justice, and can build partnerships globally. In addition, Indonesia seems to be more productive than Nigeria in leading sharia tourism. Thus, the tourism sector plays an important role in the world economy because it is considered one of the contributors to economic growth in Indonesia and Nigeria.
Analisis Faktor Pengetahuan Produk dan Reputasi Bank terhadap Preferensi Menabung di Bank Syariah Indonesia (BSI) Masin, Muhlis; Arifai, Samsul; Sudirman; Ismawati; Umar, St. Hafsah; Supriadi
JBMI (Jurnal Bisnis, Manajemen, dan Informatika) Vol. 20 No. 2 (2023): JBMI
Publisher : Department of Management FEB Unhas

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

Abstract

Penetrasi nasabah di bank syariah masih sangat rendah dibandingkan dengan bank konvensional, disparitas tersebut memunculkan ide untuk melakukan riset dalam mendeteksi faktor penyebab. Tujuan penelitian ini untuk menganalisis faktor-faktor yang mempengaruhi minat masyarakat menabung di bank Syariah Indonesia. Penelitian ini diklasifikasikan sebagai penelitian kuantitatif deskriktif. Data dikumpulkan menggunakan kuesioner, dan dianalisis dengan teknik analisis regresi linier berganda. Populasi penelitian yakni nasabah bank BSI KC Pettarani dengan sampel berjumlah 100 nasabah melalui teknik probability Sampling. Temuan hasil penelitian menginformasikan bahwa pengetahuan produk berpengaruh positif dan signifikan terhadap minat masyarakat menabung di Bank Syariah Indonesia (KC Pettarani), yang berarti bahwa semakin baik pengetahuan masyarakat mengenai perbankan syariah maka akan mempengaruhi peningkatan minat menjadi nasabah. Kemudian pada variabel reputasi bank berpengaruh positif dan signifikan terhadap minat masyarakat menabung di Bank Syariah Indonesia (KC.Pettarani). Reputasi bank yang baik akan menciptakan kepercayaan bagi nasabahnya. Keduanya saling memperkuat, sementara pada nilai kepercayaan yang tinggi maka akan menguatkan reputasi bank di mata nasabah, begitupun dampak sebaliknya. The customer penetration in Islamic banks is still significantly lower compared to conventional banks; this disparity has prompted the idea to conduct research to identify the underlying factors. This study aims to analyze the factors influencing the public's interest in saving with Bank Syariah Indonesia. This research is classified as quantitative descriptive research, data collected were using questionnaire, and were processed and analyzed using multiple linear regression analysis techniques. The research population consists of customers of BSI KC Pettarani, with a sample of 100 customers selected through probability sampling techniques. The findings of the research indicate that product knowledge has a positive and significant effect on the public's interest in saving with Bank Syariah Indonesia (KC Pettarani). It was means that, the better the public's knowledge of Islamic banking, the more likely it is to increase their interest in becoming customers. Furthermore, the variable of bank reputation has a positive and significant effect on the public's interest in saving with Bank Syariah Indonesia (KC Pettarani). A good bank reputation will create trust among its customers. The two aspects mutually reinforce each other, where high levels of trust strengthen the bank's reputation in the eyes of customers, and vice versa.
Pengaruh Brand Image dan Experiential Marketing Melalui Inovasi Terhadap Keputusan Generasi Z Menggunakan Produk PT. Pegadaian Syariah Siti Fatimah; St. Hafsah Umar; Nasrullah, Andhini Putri Novianti
AT TAWAZUN: Jurnal Ekonomi Islam Vol 4 No 2 (2024): Agustus
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/attawazun.v4i2.50627

Abstract

PT. Pegadaian merupakan perusahaan milik negara, menyediakan produk tabungan emas syariah yang dirancang untuk memenuhi kebutuhan masyarakat akan investasi berbasis syariah yang stabil dan berisiko rendah terhadap inflasi. Melalui aplikasi Pegadaian Digital Syariah, layanan ini semakin mudah diakses oleh masyarakat. Pegadaian Syariah beroperasi berdasarkan prinsip-prinsip syariah dengan menggunakan akad utang piutang yang melibatkan barang bernilai sebagai jaminan, tanpa mencari keuntungan berlebih. Penelitian ini menganalisis pengaruh Brand Image dan Experiential Marketing terhadap Keputusan Generasi Z untuk menabung emas di PT. Pegadaian Syariah, dengan Inovasi Produk sebagai variabel intervening. Pendekatan dalam Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian field research. Penelitian ini berlokasi di Makkassar. Populasi penelitian Ini merupakan Generasi Z di Makassar. Hasil penelitian menunjukkan bahwa Brand Image dan Experiential Marketing berpengaruh signifikan terhadap keputusan Generasi Z, dengan Inovasi Produk memperkuat hubungan tersebut. Penelitian ini didorong oleh meningkatnya kebutuhan masyarakat akan layanan keuangan syariah dan perkembangan teknologi yang mempengaruhi perilaku investasi generasi muda. Studi ini memberikan kontribusi pada pemahaman perilaku investasi syariah dan inovasi produk keuangan dengan fokus pada generasi muda pengguna teknologi digital.
Increasing Customer Loyalty Through E-Service Quality and Satisfaction: A Study on Muamalat Islamic Digital Applications Umar, St Hafsah; T, Andi Marhuni
Amsir Accounting & Finance Journal Vol 2 No 2 (2024): Juli
Publisher : Fakultas Bisnis Institut Ilmu Sosial dan Bisnis Andi Sapada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56341/aafj.v2i2.540

Abstract

Technological advances have made it easier for various business activities, including production, marketing, sales, and transactions. Technology has given birth to terms such as E-business and E-commerce, changing the way transactions are carried out without the need for a physical presence or cash payment. Now, cashless transactions can be made quickly and efficiently through mobile devices connected to the internet. This study aims to examine the influence of E-Service Quality on Customer Loyalty with Customer Satisfaction as an Intervening Variable. Using a quantitative approach with 186 samples of M-DIN users at Bank Muamalat KCP GOWA, data analysis was carried out through descriptive statistical analysis and path analysis. The results show that E-Service Quality has a positive and significant effect on Customer Loyalty, and Customer Satisfaction can mediate this influence on MDIN users.
Mobile Banking Service Quality on Customer Satisfaction Between Bank Muamalat and Bank Syariah Indonesia Samsul, Samsul; Fikriyah, Dina; Umar , Hafsah
Adpebi International Journal of Multidisciplinary Sciences Vol. 1 No. 1 (2022)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/aijms.v1i1.279

Abstract

The purpose of this study was to determine the effect of mobile banking service quality on customer satisfaction and the differences in service quality on customer satisfaction with the object of research at Bank Muamalat Branch Makassar and Bank Syariah Indonesia (BSI) Branch Pannampu. This study uses an associative-comparative research type with a quantitative approach. The source of data used for this research is primary data. The data collection technique used is a questionnaire, with 100 respondents as the sample. The data analysis technique used in this research is simple linear regression analysis. The results obtained from the current study state that the quality of mobile banking services has a positive and significant effect on customer satisfaction in Bank Muamalat Branch Makassar and Bank Syariah Indonesia (BSI) Branch Makassar Pannampu, each with a sig value of 0.000. This shows that the increasing quality of mobile banking services will also increase customer satisfaction at Bank Muamalat and Bank BSI. There are differences in the quality of m- banking services to customer satisfaction between Bank Muamalat and Bank BSI with a value of 39.66 (39%) and 61.34 (61%). This shows that the quality of mobile banking services at Bank BSI Branch Makassar Pannampu is higher in providing satisfaction to customers than Bank Muamalat Branch Makassar.
Meningkatkan Pertumbuhan: Peran Kunci Manajemen Keuangan Syariah dalam Pengembangan UMKM di Indonesia Suharlina, Suharlina; Umar, St. Hafsah; Ferils, Muh
Amsir Accounting & Finance Journal Vol 2 No 1 (2024): Januari
Publisher : Fakultas Bisnis Institut Ilmu Sosial dan Bisnis Andi Sapada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56341/aafj.v2i1.441

Abstract

UMKM masih banyak memiliki masalah dalam kegiatan operasinya khususnya terkait pada manajemen keuangan syariah. proses dalam menggunakan dana yang seharusnya terencana agar dapat bermanfaat untuk UMKM dalam waktu jangka Panjang, dan juga proses dalam mengelola aset yang dimiliki oleh pelaku UMKM agar terjaga dan betahan dalam waktu jangka Panjang. Namun pada faktanya hal itu tidak diterapkan oleh Pelaku UMKM khususnya pada pencatatan transaksi yang sesuai dengan prinsip syariah yang diterapkan dalam manajemen keuangan syariah. Manajemen keuangan syariah merupakan konsep pengelolaan keuangan berdasarkan prinsip-prinsip syariah Islam, seperti adanya pembagian risiko antara pihak yang terlibat, larangan riba, dan pengelolaan keuangan yang transparan dan akuntabel. Konsep ini dapat membantu UMKM untuk mengembangkan kinerja keuangan mereka dengan cara yang adil dan berkelanjutan. penelitian ini bertujuan untuk mengevaluasi implementasi manajemen keuangan syariah dalam mengembangkan UMKM di Indonesia. Melalui penelitian ini, diharapkan akan ditemukan solusi praktis yang dapat membantu UMKM dalam mengelola keuangan mereka dengan lebih efektif dan berkelanjutan.
Consumption Patterns in the Digital Age: Changing Consumers Behavior Affects the Global Economy Maleha, Nova Yanti; Umar, St Hafsah; Kotngoran, Wiljan Atfentia; Huda, Miftakhul
Nomico Vol. 1 No. 12 (2025): Nomico-January
Publisher : Pt. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/0bhtc013

Abstract

The development of digital technology has brought about significant changes in the consumption patterns of the global community. In the digital era, consumers increasingly rely on e-commerce platforms, social media and app-based services to fulfill their needs. This research aims to explore how changes in consumption patterns in the digital era affect consumer behavior and its impact on the global economy. This research uses a qualitative approach with a case study design and descriptive analysis to analyze the impact of economic digitalization on consumer consumption patterns, as well as the changes that occur in the business sector, especially in developing countries. The research found that digital consumers tend to be more informed, demand personalization, and care more about sustainability issues. E-commerce is a key element that is changing the way consumers interact with the market. In addition, digitalization is driving innovation in global business models, although it poses challenges such as digital inequality and data privacy. The results of this study provide important insights for governments and businesses to design strategies that are inclusive, sustainable and innovative. Policies and technological innovations need to be geared towards supporting changing consumption patterns, mitigating the challenges of digitalization, and capitalizing on global economic opportunities.
Co-Authors - Trimulato, - A.P, Andi Idham Arifai, Samsul Asih, Suci Wening Asyraf Mustamin Dwi Cahyani, Marwah Ferils, Muh Fikriyah, Dina Ismawati Kotngoran, Wiljan Atfentia Maleha, Nova Yanti Marwah Dwi Cahyani Miftakhul Huda Miftakhul Huda Muhlis Muhlis Masin Nasrullah Bin Sapa Nasrullah, Andhini Putri Novianti Nova Yanti Maleha Rizki Rahim Sagir Muhammad Sulaiman Samsul Samsul Samsul Samsul SITI FATIMAH Sudirman Sudirman Sudirman Sudirman Suharlina Suharlina Supriadi Surya Ningsih T, Andi Marhuni Tamaulina Br Sembiring Tri Mulato Wiljan Atfentia Kotngoran