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ANALISIS STRATEGI DAN EFEKTIVITAS PENGEMBANGAN UKM MELALUI PEMBIAYAAN INVOICE SYARIAH PADA PT. INVESTREE DI MASA PANDEMI COVID-19 Ningsih, Setia; Yetty, Fitri; Sari, Lili Puspita
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 6 No. 02 (2021): JESPB Edisi Oktober 2021
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v6i02.242

The development of the SME sector in Indonesia is growing every year. However, since the emergence of the Covid-19 outbreak which has been confirmed for the first time to enter Indonesia since March 2020, the SME sector has become increasingly suboptimal in its development. The presence of fintech makes it easier for people to apply for financing rather than applying for financing to banks. The emergence of fintech companies that have products specifically for SMEs, namely sharia invoice financing such as the one at PT. Investree. The purpose of this study is to determine the strategy and effectiveness of SME development through sharia invoice financing of PT. Investree during the Covid-19 pandemic. This research uses descriptive qualitative research with a case study approach. The result of this research is the strategy implemented by PT. Investree in developing SMEs during the Covid-19 pandemic is to strengthen collaboration with ecosystem partners, improve credit scoring capabilities and innovate business processes. Then, to see the effectiveness of providing financing using indicators of quality, administration, price and the right amount and time which can support the effectiveness of providing sharia invoice financing at PT. Investree during the Covid-19 pandemic.

Analisis Perbandingan Efisiensi Pembiayaan BUS dengan BPRS di Jawa Barat Tahun 2017-2019 Islami, Jasmin Bunga; Supriyanto, Trisiladi; Sari, Lili Puspita
Etihad: Journal of Islamic Banking and Finance Vol. 1 No. 2 (2021)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v1i2.3205

The development of Islamic banking in Indonesia is increasingly progressing quite rapidly. This development is evidenced by the increasing total number of Islamic commercial banks, as well as the very large number of Islamic people's financing banks. This study aims to investigate the comparison between BUS and BPRS. This study uses a quantitative methodology with data analysis techniques using Data Envelopment Analysis (DEA), and a different test using an independent sample t-test. The population used is 5 Islamic Commercial Banks (BUS) and 5 Sharia People's Financing Banks (BPRS) in West Java with data samples of fixed assets, savings, operational costs, financing, and operating profit. This study uses secondary data sourced from the official website of the Financial Services Authority. The results of this study are that BPRS has a higher average efficiency level than BUS, and there is no significant difference between BUS efficiency and BPRS in 2017, 2018, and 2019 based on DEA CRS and DEA VRS.Berkembangnya perbankan syariah di Indonesia semakin memiliki kemajuan yang cukup pesat. Perkembangan ini dibuktikan dari angka total bank umum syariah yang meningkat, serta angka bank pembiayaan rakyat syariah yang berjumlah sangat besar. Penelitian ini bertujuan menginvestigasi perbandingan antara BUS dengan BPRS. Penelitian ini memakai metodologi kuantitatif dengan teknik analisis data memakai Data Envelopment Analysis (DEA), serta uji beda menggunakan sampel independent t test. Populasi yang digunakan adalah lima Bank Umum Syariah (BUS) dan lima Bank Pembiayaan Rakyat Syariah (BPRS) di Jawa Barat dengan sampel data aset tetap, simpanan, biaya operasional, pembiayaan, dan laba operasional, kemudian data sekunder yang bersumber dari website resmi Otoritas Jasa Keuangan. Hasil dari penelitian menjelaskan bahwa BPRS memiliki rata-rata tingkat efisiensi yang lebih tinggi dibandingkan dengan BUS, serta tidak terdapatnya perbedaan yang signifikan antara efisiensi BUS dengan BPRS pada tahun 2017, 2018, dan 2019 berdasarkan DEA CRS maupun DEA VRS.

FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MEMBAYAR ZIS MENGGUNAKAN GOPAY Fadhil, Muhammad; Sari, Lili Puspita
Veteran Economics, Management, & Accounting Review Vol 1 No 1 (2022)
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59664/vemar.v1i1.4829

The collection of ZIS through GoPay has increased significantly when compared to the collection from previous years, which can be seen from the public interest in donating, especially ZIS, which remains high despite the economic crisis in Indonesia. This study aims to analyze the factors that influence the interest in paying ZIS using electronic money through GoPay. This study uses quantitative research methods with the research population, namely the Jabodetabek people who have paid ZIS through GoPay. The data collection method used primary data in the form of a questionnaire. The sampling technique used purposive sampling technique with the number of respondents as many as 100 people who were taken using the Lemeshow formula. The data obtained were then analyzed using descriptive statistical analysis, validity and reliability tests, classical assumption tests, multiple linear regression, and hypothesis testing. From the results of the study, it was found that there was a significant positive effect between the variables of brand awareness and religiosity partially on interest in paying ZIS using GoPay, but easiness had no effect. Simultaneously, the variables of easiness, brand awareness, and religiosity have a significant influence on the interest in paying ZIS using GoPay.Keywords: Brand Awareness, Easiness, and ReligiosityAbstrakPenghimpunan ZIS melalui GoPay mengalami peningkatan yang signifikan jika dibandingkan dengan penghimpunan dari tahun-tahun sebelumnya yang dapat dilihat dari minat masyarakat untuk berdonasi khususnya ZIS tetap tinggi meskipun krisis ekonomi terjadi di Indonesia. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi minat membayar ZIS menggunakan uang elektronik melalui GoPay. Penelitian ini menggunakan metode penelitian kuantitatif dengan populasi penelitian yaitu masyarakat Jabodetabek yang pernah membayar ZIS melalui GoPay. Metode pengumpulan data menggunakan data primer berupa kuesioner. Teknik pengambilan sampel menggunakan teknik purposive sampling dengan jumlah responden sebanyak 100 orang yang diambil menggunakan rumus lemeshow. Data yang diperoleh kemudian dianalisis menggunakan analisis regresi linear berganda. Dari hasil penelitian ditemukan terdapat pengaruh yang positif signifikan antara variabel kesadaran merek dan religiusitas secara parsial terhadap minat membayar ZIS menggunakan GoPay, namun kemudahan tidak berpengaruh. Secara simultan variabel kemudahan, kesadaran merek, dan religiusitas memiliki pengaruh yang signifikan terhadap minat membayar ZIS menggunakan GoPay. Kata Kunci: Kemudahan; Kesadaran Merek; Religiusitas

Pengaruh Akuntabilitas, Electronic Word of Mouth, Brand Image, Perencanaan Keuangan Syariah Terhadap Keputusan Donasi Online pada Kitabisa.com di DKI Jakarta Mansis, Ihsan Rizki; Sari, Lili Puspita
el-Jizya : Jurnal Ekonomi Islam Vol. 12 No. 2 (2024): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v12i2.10818

Terdapat masalah dalam sistem donasi digital. Hal yang beberapa kali terjadi dalam system donasi online adalah modus penipuan. Seperti yang terjadi saat adanya gempa yang menerjang Turki – Suriah, ada beberapa oknum yang memanfaatkan peristiwa tersebut untuk meraih keuntungan pribadi. Tujuan dari penilitian ini untuk mengetahui pengaruh akuntabilitas, electronic word of mouth, Brand Image, dan perencanaan keuangan syariah terhadap keputusan donasi online pada kitabisa.com di DKI Jakarta. Populasi pada penelitian ini merupakan masyarakat muslim DKI Jakarta. Penelitian ini menggunakan 100 responden dengan kriteria penduduk muslim, berdomisili di DKI Jakarta, serta pernah berdonasi melalui layanan kitabisa.com. Pengumpulan data menggunakan kuesioner. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik partial least square menggunakan aplikasi SmartPls. Hasil uji hipotesis yaitu akuntabilitas berpengaruh positif terhadap keputusan donasi, electronic word of mouth tidak berpengaruh terhadap keputusan donasi, brand image berpengaruh positif terhadap keputusan donasi dan perencanaan keuangan syariah tidak berpengaruh terhadap keputusan donasi.

Analisis Perbandingan Efisiensi Pembiayaan BUS dengan BPRS di Jawa Barat Tahun 2017-2019 Islami, Jasmin Bunga; Supriyanto, Trisiladi; Sari, Lili Puspita
Etihad: Journal of Islamic Banking and Finance Vol. 1 No. 2 (2021)
Publisher : Institut Agama Islam Negeri Ponorogo

The development of Islamic banking in Indonesia is increasingly progressing quite rapidly. This development is evidenced by the increasing total number of Islamic commercial banks, as well as the very large number of Islamic people's financing banks. This study aims to investigate the comparison between BUS and BPRS. This study uses a quantitative methodology with data analysis techniques using Data Envelopment Analysis (DEA), and a different test using an independent sample t-test. The population used is 5 Islamic Commercial Banks (BUS) and 5 Sharia People's Financing Banks (BPRS) in West Java with data samples of fixed assets, savings, operational costs, financing, and operating profit. This study uses secondary data sourced from the official website of the Financial Services Authority. The results of this study are that BPRS has a higher average efficiency level than BUS, and there is no significant difference between BUS efficiency and BPRS in 2017, 2018, and 2019 based on DEA CRS and DEA VRS.Berkembangnya perbankan syariah di Indonesia semakin memiliki kemajuan yang cukup pesat. Perkembangan ini dibuktikan dari angka total bank umum syariah yang meningkat, serta angka bank pembiayaan rakyat syariah yang berjumlah sangat besar. Penelitian ini bertujuan menginvestigasi perbandingan antara BUS dengan BPRS. Penelitian ini memakai metodologi kuantitatif dengan teknik analisis data memakai Data Envelopment Analysis (DEA), serta uji beda menggunakan sampel independent t test. Populasi yang digunakan adalah lima Bank Umum Syariah (BUS) dan lima Bank Pembiayaan Rakyat Syariah (BPRS) di Jawa Barat dengan sampel data aset tetap, simpanan, biaya operasional, pembiayaan, dan laba operasional, kemudian data sekunder yang bersumber dari website resmi Otoritas Jasa Keuangan. Hasil dari penelitian menjelaskan bahwa BPRS memiliki rata-rata tingkat efisiensi yang lebih tinggi dibandingkan dengan BUS, serta tidak terdapatnya perbedaan yang signifikan antara efisiensi BUS dengan BPRS pada tahun 2017, 2018, dan 2019 berdasarkan DEA CRS maupun DEA VRS.

The Impact of Awareness, Lifestyle and Halal Certification on The Buying Interests of MSME’s Halal Food Products in DKI Jakarta Nur, Muhammad Rizky Taufiq; Fathoni, Muhammad Anwar; Sari, Lili Puspita
El Barka Vol. 4 No. 2 (2021)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v4i2.3207

The research aims to explain the impact of awareness, lifestyle, and halal certification on people’s buying interest in MSME’s halal food products in DKI Jakarta Province. To the best of researchers’ knowledge based on the previous articles, there are no research titles that discuss the three variables simultaneously regarding the influence on the buying interest. Therefore, this research has some aspect of novelty compared to previous studies. Quantitative method is used for research methods that refer to numerical data. The subjects for this research are 150 consumers of MSME’s halal food products in the DKI Jakarta Province. Primary data collection is used as a technical data collection. Primary data was acquired from the distribution of questionnaires to MSME halal food consumers. Meanwhile, the data analysis techniques used were descriptive statistical analysis, classical assumptions, multiple linear regression, and hypothesis. The findings of this study among the three variables are used, two only have a significant influence on the buying interest whereas the three variables together have a significant influence on the buying interest of MSME products. To increase the buying interest of halal food products for MSMEs in DKI Jakarta, factors that can be considered important are halal awareness and halal lifestyle, because both have a significant impact on the buying interest. This can be interpreted if the two variables are increase it will also increase the buying interest of MSME’s halal food products in DKI Jakarta. On the other hand, if the three variables are considered simultaneously it will have a significant influence on buying interest.

Pengaruh Pendapatan Bagi Hasil Musyarakah, Bagi Hasil Mudharabah, dan Margin Murabahah terhadap Laba Bersih PT. Bank Muamalat Indonesia, Tbk. Maulana, Govi; Sari, Lili Puspita
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.8986

One parameter to measure a bankâ€™s success is net profit. The more the bank's revenue grows, the more it shows a strong performance. This research aims to determine the effect of revenue sharing from musyarakah, mudharabah, and murabahah margin income on the net profit of PT. Bank Muamalat Indonesia, Tbk with a time span of 2014 to 2021. The approach used in this research is a quantitative approach based on secondary data with the sample used in the report of PT. Bank Muamalat Indonesia, Tbk in 2014 to 2021. The data analysis method used is Multiple Linear Regression. The results showed that musyarakah profit-sharing income did not have a positive effect, mudharabah profit-sharing income had a positive effect, while murabahah margin income had a negative effect on net income. For the Islamic banking industry, this research can be used to determine the factors that can affect net profit and can measure the performance of Islamic banks and other stakeholders.

Pengaruh Kesadaran Halal Dan Gaya Hidup Terhadap Keputusan Pembelian Konsumen Muslim Pada Restoran Jepang Di Jakarta Nurfajrina, Alifah; Handayani, Tati; Sari, Lili Puspita
JURNAL EKONOMI SYARIAH Vol 6, No 2 (2021): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v6i2.3897

This study aims to determine and analyze the factors of halal awareness and lifestyle on the purchasing decisions of Muslim consumers at Japanese restaurants in Jakarta using a quantitative approach. The population selected in this study were Muslim consumers who had visited a Japanese restaurant located in the Jakarta area. For the number of samples in this study using as many as 150 Muslim consumers of Japanese restaurants in the Jakarta area. The sampling instrument in this study was obtained from distributing questionnaires. The analytical technique used to determine the magnitude of the effect is multiple linear regression. The data processing tool used for data analysis in this research is SPSS software version 20. The results of the tests carried out show that the variables of halal awareness and lifestyle partially and simultaneously have a significant effect on purchasing decisions of Muslim consumers at Japanese restaurants in Jakarta.

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