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All Journal Khatulistiwa: Journal of Islamic Studies TSAQAFAH At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam MUSLIMPRENEUR : Jurnal Ekonomi dan Kajian Keislaman Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah
Rokhmat Subagiyo
IAIN Tulungagung
Religion Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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CITRA PERUSAHAAN, KUALITAS PELAYANAN DAN SALURAN DISTRIBUSI TERHADAP KEPUASAN NASABAH Rokhmat Subagiyo; Ahmad Budiman
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 5, No 2 (2019): DESEMBER 2019
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v5i2.1844

Abstract

AbstractEvery company activity must be adjusted. Every change in the business environment is fast and accurate. Bank Syariah Mandiri Financing Bank (BPRS) successfully conducted fundraising activities and channeled funds to the public. There are some things that are more satisfying than expected by the company, quality of service and distribution. The purpose of this study was to examine the effect of significant company funds on Customer Satisfaction, assess the importance of good service to Customer Satisfaction and obtain a significant distribution channel to Customer Satisfaction. The research method uses quantitative research and associative research types. Data analysis techniques cursed multiple linear regression analysis using SPSS version 23. The results showed that company image has a significant effect on customer satisfaction, service quality is significantly related to sales satisfaction and distribution distribution significantly on customer satisfaction. Keywords: Company Image, Service Quality, Customer Satisfaction Abstrak Setiap kegiatan perusahaan bisnis harus mampu mengadopsi setiap perubahan dalam lingkungan bisnis secara cepat dan akurat. Bank Pembiayaan Syariah (BPRS) Mandiri Mitra sukses melakukan kegiatan penghimpunan dana dan menyalurkan dana kepada masyarakat. Ada beberapa hal yang mempengaruhi kepuasan nasabah diantaranya adalah citra perusahaan, kualita pelayanan dan saluran distribusi. Tujuan penelitian ini untuk menguji pengaruh signifikan dana Citra perusahaan terhadap Kepuasan Nasabah, menguji pengaruh signifikan Kualitas Pelayanan terhadap Kepuasan Nasabah dan  menguji Saluran Distribusi berpengaruh signifikan terhadap Kepuasan Nasabah. Metode penelitian menggunakan penelitian kuantitatif dan jenis penelitian asosiatif. Teknik analisis data memaki analisis regresi linier berganda dengan menggunakan aplikasi SPSS versi 23.  Hasil penelitian menunjukkan bahwa citra perusahaan berpengaruh signifikan terhadap kepuasan nasabah, kualitas pelayanan berpengaruh signifikan terhadap kepuasan nasabah dan saluran distribusi berpengaruh signifikan terhadap kepuasan nasabah. Kata Kunci:  Citra Perusahaan, Kualitas Pelayanan, Kepuasan Nasabah
Nilai Filosofi Doa Dalam Ekonomi Syariah Muhammad Khoirul Malik; Rokhmat Subagiyo
TSAQAFAH Vol 16, No 1 (2020): Islamic Economics
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (484.482 KB) | DOI: 10.21111/tsaqafah.v16i1.4389

Abstract

AbstractThis article describes the philosophical values of supplication (dua) carried out by each business actor and its relation in the context of carrying out islamic economics. As an inseparable part of the survival efforts of a Muslim, islamic economics practices cannot be separated from the ritual of dua as a need to get blessings and happiness in the world and the hereafter. Dua becomes an important element in the implementation of islamic economics in order to minimize the occurrence of behavior deviations, such as dishonesty, selfishness, cheating, and gain profits by justifying any means. An understanding of the philosophical value of dua for a Muslim is required in each of his economic activities, so that he is always aware and remains in the corridor of islamic economics implementation. The study concludes that dua has a philosophical value teaching every Muslim to pray (dua) in their economic activities. Knowledge of the philosophical value of dua in islamic economic practices is important, because religion requires people to remember good attitude and behavior, be honest, willing to work hard and be aware that the ultimate goal of economic activities is intended to get a blessing and happiness in life in the world and the hereafter.Keywords: Philosophical Values, Supplication, Business Actors, Islamic Economics. AbstrakArtikel ini menjelaskan tentang nilai-nilai filosofi doa yang dilakukan oleh setiap pelaku usaha dan relasinya dalam konteks menjalankan ekonomi syariah. Kegiatan ekonomi syariah sebagai bagian tak terpisahkan dari upaya keberlangsungan hidup seorang Muslim tidak dapat terlepas dari ritual doa sebagai kebutuhan untuk mendapatkan keberkahan, kebahagiaan dunia dan akhirat. Doa menjadi unsur penting dalam pelaksanaan ekonomi syariah guna meminimalisir terjadinya penyimpangan perilaku dalam kegiatan ekonomi syariah seperti ketidakjujuran, egois, kecurangan, dan meraih keuntungan dengan menghalalkan segala cara. Pemahaman terhadap nilai filosofi doa bagi seorang Muslim diperlukan dalam setiap kegiatan ekonominya agar selalu sadar dan berada pada koridor pelaksanaan ekonomi syariah yang benar. Hasil kajian ini menyimpulkan bahwa doa memiliki nilai filosofi yang mengajarkan kepada setiap Muslim untuk berdoa di setiap aktifitas ekonominya. Pengetahuan akan nilai filosofi doa dalam praktek ekonomi syariah yang diajarkan oleh agama menjadi penting, karena agama mengajarkan umat manusia selalu ingat kepada sikap dan perilaku yang baik, jujur, mau bekerja keras dan sadar bahwa tujuan akhir dari kegiatan ekonomi tersebut dimaksudkan untuk mendapatkan keberkahan serta kebahagiaan hidup (falâḥ) di dunia dan akhirat.Kata Kunci: Nilai Filosofi, Pelaku Usaha, Doa, Ekonomi Syariah.
Implementation of Bai 'Bitsaman Ajil Financing Sanctions in Baitul Maal Wat Tamwil (BMT) Pahlawan Tulungagung to Delay in Installment Payments Fathur Rohman Albanjari; Rokhmat Subagiyo
Khatulistiwa Vol 11, No 2 (2021): Volume 11, Number 2 September 2021
Publisher : The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/khatulistiwa.v11i2.2118

Abstract

This research aims to know applying sanctions and penalty on financing  ba’i bitsaman ajil at the BMT Pahlawan Tulungagung for the delay in payment of the installments. The author's methods of research conducted in this study using a qualitative approach. As for the type of research is descriptive, meaning that the data collected is in the form of words, images, and not the numbers. The results showed that the application of fines in BMT Pahlawan Tulungagung is in compliance with the Shariah Board Fatwa of the national assemblies of scholars of Indonesia No. 17/DSN-MUI/IX/2000. In its application of fines charged to borrowers who can afford but procrastinate the payout as well as clients who do not have good faith to settle the payment.
Kebijakan Penetapan Tarif Ojek Online Dalam Pandangan Maqashid Syariah Rokhmat Subagiyo; Ahmad Budiman
MUSLIMPRENEUR : Jurnal Ekonomi dan Kajian Keislaman Vol. 1 No. 1 (2021): Muslimpreneur
Publisher : MUSLIMPRENEUR : Jurnal Ekonomi dan Kajian Keislaman

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (520.289 KB)

Abstract

Abstract: This study aims to examine the Online Ojek Tariff Setting Policy of the Minister of Transportation Regulation (Permenhub No. 12 of 2019) based on the View of Maqashid Syariah Imam Syatibi. The method used is by reviewing books and journals that are in accordance with research on the policy of fixing online motorcycle taxi rates according to maqashid sharia. The results showed that the realization of maqashid sharia between passengers, drivers and online transportation operators. Keywords: Online motorcycle taxi, transportation business, maqashid Syariah Abstrak: Penelitian ini bertujuan untuk mengkaji Kebijakan Penetapan Tarif Ojek Online Peraturan Menteri perhubungan (Permenhub No 12 Tahun 2019) berdasarkan Pandangan Maqashid Syariah Imam Syatibi. Metode yang digunakan dengan mengkaji buku-buku dan jurnal yang sesuai dengan penelitian mengenai kebijakan penetapan tarif ojek online menurut maqashid syariah. Hasil penelitian menunjukkan bahwa terwujudnya maqashid syariah antara penumpang, pengendara dan operator transportasi online. Kata kunci: Ojek online, bisnis transportasi, maqashid Syariah
Nilai Filosofi Doa Dalam Ekonomi Syariah Muhammad Khoirul Malik; Rokhmat Subagiyo
TSAQAFAH Vol. 16 No. 1 (2020): Islamic Economics
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tsaqafah.v16i1.4389

Abstract

AbstractThis article describes the philosophical values of supplication (dua) carried out by each business actor and its relation in the context of carrying out islamic economics. As an inseparable part of the survival efforts of a Muslim, islamic economics practices cannot be separated from the ritual of dua as a need to get blessings and happiness in the world and the hereafter. Dua becomes an important element in the implementation of islamic economics in order to minimize the occurrence of behavior deviations, such as dishonesty, selfishness, cheating, and gain profits by justifying any means. An understanding of the philosophical value of dua for a Muslim is required in each of his economic activities, so that he is always aware and remains in the corridor of islamic economics implementation. The study concludes that dua has a philosophical value teaching every Muslim to pray (dua) in their economic activities. Knowledge of the philosophical value of dua in islamic economic practices is important, because religion requires people to remember good attitude and behavior, be honest, willing to work hard and be aware that the ultimate goal of economic activities is intended to get a blessing and happiness in life in the world and the hereafter.Keywords: Philosophical Values, Supplication, Business Actors, Islamic Economics. AbstrakArtikel ini menjelaskan tentang nilai-nilai filosofi doa yang dilakukan oleh setiap pelaku usaha dan relasinya dalam konteks menjalankan ekonomi syariah. Kegiatan ekonomi syariah sebagai bagian tak terpisahkan dari upaya keberlangsungan hidup seorang Muslim tidak dapat terlepas dari ritual doa sebagai kebutuhan untuk mendapatkan keberkahan, kebahagiaan dunia dan akhirat. Doa menjadi unsur penting dalam pelaksanaan ekonomi syariah guna meminimalisir terjadinya penyimpangan perilaku dalam kegiatan ekonomi syariah seperti ketidakjujuran, egois, kecurangan, dan meraih keuntungan dengan menghalalkan segala cara. Pemahaman terhadap nilai filosofi doa bagi seorang Muslim diperlukan dalam setiap kegiatan ekonominya agar selalu sadar dan berada pada koridor pelaksanaan ekonomi syariah yang benar. Hasil kajian ini menyimpulkan bahwa doa memiliki nilai filosofi yang mengajarkan kepada setiap Muslim untuk berdoa di setiap aktifitas ekonominya. Pengetahuan akan nilai filosofi doa dalam praktek ekonomi syariah yang diajarkan oleh agama menjadi penting, karena agama mengajarkan umat manusia selalu ingat kepada sikap dan perilaku yang baik, jujur, mau bekerja keras dan sadar bahwa tujuan akhir dari kegiatan ekonomi tersebut dimaksudkan untuk mendapatkan keberkahan serta kebahagiaan hidup (falâḥ) di dunia dan akhirat.Kata Kunci: Nilai Filosofi, Pelaku Usaha, Doa, Ekonomi Syariah.
Analisis Komparatif Indikator Penerapan Utang Luar Negeri Indonesia Ditinjau Dari Perspektif Ekonomi Islam Rokhmat Subagiyo; Ahmad Budiman
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 1 (2020)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v6i1.3553

Abstract

Efforts made by the Indonesian government to meet the budget deficit by issuing stimulus policy packages from within the country and abroad. An overseas stimulus package is financing through foreign debt. Indonesia has been practicing foreign debt since before the pre-independence period, the Soekarno government regime, Suharto until the Jokowi regime. The amount of foreign debt until October 2018, USD 310.839 billion. If the state does not have the ability to repay debt, the country's economy will be disrupted. The amount of installments on loan principal and interest has an impact on the burden of the state budget, which will be borne by the community through tax collection. This study aims to compare indicators of the application of foreign debt based on Islamic economic perspectives and the results of field research. This study uses a type of qualitative approach to explain the phenomena that occur. The results of the study show that there are deviations between indicators of foreign debt based on economic perspectives and field research.
Co-Authors Ahmad Budiman Fathur Rohman Albanjari Muhammad Khoirul Malik