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FAKTOR-FAKTOR MINAT NASABAH MEMILIH ASURANSI SYARIAH PASCA BERLAKUNYA BPJS KESEHATAN (STUDI PADA NASABAH AJB BUMIPUTERA 1912 CABANG SYARIAH YOGYAKARTA) Zaid Raya Argantara
Assyarikah: Journal of Islamic Economic Business Vol 1, No 2 (2020): Assyarikah: Journal of Islamic Economic Business
Publisher : Al-Amien Prenduan for Islamic Institute

Penelitian ini bertujuan untuk mengatahui faktor apa saja yang menjadi minat masyarakat menggunakan asuransi syariah swasta pasca berlakunya BPJS kesehatan. Penelitian ini menggunakan desain penelitian kualitatif, dengan populasi nasabah yang ada di asuransi syariah pada AJB Bumiputera 1912 Cabang syariah Yogyakarta.Teknik analisis data yang digunakan adalah teknik pengkodean (pengkodean berbuka, pengkodean berporos dan pengkodean berpilih). Faktor-fakotr yang menjadi minat nasabah memilih asuransi syariah swasta pasca berlakunya BPJS kesehatan antara lain: Faktor pelayanan, faktor ini menjadi faktor utama dalam penelitian ini, dimana Bumiputera mampu menjawab permasalahan pelayanan yang diberikan BPJS. Bumiputera menawarkan pelayanan penjemputan pembayaran premi sampai pengajuan klaim dapat dilakukan di tempat kediaman masing-masing. Faktor yang kedua yaitu pendapatan (return), Bumiputera menawarkan pendapatan yang kompetitif, yang mana pemegang polis tidak hanya mendapatkan manfaat dari nilai klaimnya, akan tetapi juga mendapatkan nilai investasinya di akhir tempo yang sudah disepakati. Adapun faktor selanjutnya yaitu faktor promosi yang proaktif dan faktor produk yang inovatif sehingga dapat menjangkau lapisan masyarakat hingga sampai pedalaman.

PENCATATAN AKTA NOTARIS AKAD SYARIAH OLEH NOTARIS NON MUSLIM PERSPEKTIF HUKUM ISLAM Zaid Raya Argantara; Zainurrohman Zainurrohman
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 2, No 2 (2021): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Law Number 21 of 2008 concerning Sharia Banking, shows that the sharia economic system, especially in the banking sector, has legal legitimacy and legal certainty in a formal juridical manner. or the agreement. However, with the many existing Islamic financial institutions, it is possible to use the services of a non-Muslim notary in making the sharia contract deed. The competence and authority of the notary in charge of recording the sharia contract is needed to be accepted in the eyes of law and sharia.This research is a type of library research, where in this study the main data source is to explore concepts/theories that have been determined by previous experts which are stored in the form of books, journals, newspapers, magazines, articles, and so on.The results of the study show that: first, a Notary is an official appointed by law to make a deed, even a sharia deed as long as it is not excluded from the authority of his position as regulated in Article 15 paragraph 1 UUJN which confirms that one of the powers of a notary is to make deed in general. Second, the law of being a notary is fardhu kifayah so that if someone has implemented it, then others are free from this responsibility. And in Islam there is no problem with who we do muamalah with, even if it is a non-Muslim.

IMPLEMENTASI SERVICE EXCELLENT DALAM MENIGKATKAN KEPUASAN NASABAH DI BANK BPRS KCP PRAGAAN Zaid Raya Argantara; Nuris Watun Hasanah; Nurul Annisa; Zaitur Rohmah
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 3, No 1 (2022): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Penelitian ini akan menganalisis pelayanan prima yang di implementasikan di Bank BPRS KCP Pragaan, secara letak geografis Bank BPRS KCP Pragaan berada di tengah-tengah Bank Umum Negara yaitu Bank BNI, Bank BRI, dan Bank Mandiri. Penelitian ini menggunakan pendekatan kualitatif, dengan sampel bank BPRS KCP Pragaan. Pengambilan sampel menggunakan rumdem sumple dengan tehnik analisis data dilakukan dengan tiga tahap, yaitu; (1) Reduksi data, (2)Penyajian data, dan (3) Penarikan kesimpulan. Hasil penelitian ini menunjukkan bahwa Bank BPRS KCP Pragaan sudah mengimplementasikan pelayanan prima secara baik di dalam mendorong kepuasan nasabah, BPRS KCP Pragaan mampu menjaga loyalitas nasabahnya ditengah-tengah persaingannya dengan Bank Umum Milik Negara yang berada di sekitar Bank BPRS KCP Pragaan.

The Effect of Banking Digitalization Through Self-Service Technology on Satisfaction and Loyalty of Customers Users of Sharia Bank Digital Services Zaid Raya Argantara; Ahmad Choiri
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 9 No 2 (2023): Juni 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/iqtishodiyah.v9i2.1052

Several sectors, including the financial industry, have widely used today's technology. This is marked by the emergence of financial technology (fitech). One of Fitech in banking is self-service technology. This study aimed to determine the effect of banking digitization through self-service technology on customer satisfaction and loyalty who use Islamic banking digital services at BPRS Bhakti Sumekar. This research is quantitative research with a correlational research type. The sample in this study was 100 internet banking users at BPRS Bhakti Sumekar Sharia Bank, who were taken using a simple random sampling technique. Data collection was carried out using questionnaires, observation, and documentation. The researchers analyzed the data quantitatively with the help of SPSS. The study results show a positive effect of banking digitization through self-service technology on customer satisfaction using Islamic bank digital services at BPRS Bhakti Sumekar. The influence of banking digitization through self-service technology on customer satisfaction using Islamic bank digital services at BPRS Bhakti Sumekar is 64.7%.

The Effect of Banking Digitalization Through Self-Service Technology on Satisfaction and Loyalty of Customers Users of Sharia Bank Digital Services Zaid Raya Argantara; Ahmad Choiri
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 9 No 2 (2023): Juni 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/iqtishodiyah.v9i2.1052

Several sectors, including the financial industry, have widely used today's technology. This is marked by the emergence of financial technology (fitech). One of Fitech in banking is self-service technology. This study aimed to determine the effect of banking digitization through self-service technology on customer satisfaction and loyalty who use Islamic banking digital services at BPRS Bhakti Sumekar. This research is quantitative research with a correlational research type. The sample in this study was 100 internet banking users at BPRS Bhakti Sumekar Sharia Bank, who were taken using a simple random sampling technique. Data collection was carried out using questionnaires, observation, and documentation. The researchers analyzed the data quantitatively with the help of SPSS. The study results show a positive effect of banking digitization through self-service technology on customer satisfaction using Islamic bank digital services at BPRS Bhakti Sumekar. The influence of banking digitization through self-service technology on customer satisfaction using Islamic bank digital services at BPRS Bhakti Sumekar is 64.7%.

Analisis Faktor-Faktor Minat Nasabah dalam Menabung di Bank Syariah: Studi Kasus BPRS Bhakti Sumekar KCP Pragaan Zaid Raya Argantara; Nurul Annisa
An-Nisbah: Jurnal Perbankan Syariah Vol. 4 No. 2 (2023): Jurnal An-Nisbah: Perbankan Syariah
Publisher : PRODI PERBANKAN SYARIAH INSTITUT AGAMA ISLAM (IAI) SUNAN KALIJOGO MALANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/nisbah.v4i2.1131

ABSTRAK. BPRS Bhakti Sumekar KCP Pragaan merupakan salah satu Lembaga Keuangan Syariah yang di kelilingi oleh banyak bank-bank besar bisa ditempuh dalam jangka waktu 8 menit dari bank BPRS Bhakti Sumekar KCP Pragaan. Adanya bank tersebut menjadi tantangan besar bagi BPRS Bhakti Sumekar KCP Pragaan untuk tetap bertahan dan mampu bersaing. Tujuan penelitian ini adalah faktor-faktor apa saja yang mempengaruhi minat nasabah dalam menabung di BPRS Bhakti Sumekar KCP Pragaan dan apa upaya yang dilakukan pihak Bank dalam mempengaruhi minat nasabah dalam menabung di BPRS Bhakti Sumekar KCP Pragaan. Peneliti menggunakan metode penelitian kualitatif lapangan. Adapun prosedur pengumpulan data yang melalui wawancara, dari 12 responden yang terdiri dari Kepala Cabang BPRS Bhakti sumekar KCP Pragaan, Customer Service, dan 10 nasabah yang menabung di BPRS Bhakti Sumekar KCP Pragaan.Faktor-Faktor yang mempengaruhi minat nasabah dalam menabung di BPRS Bhakti Sumekar KCP Pragaan ialah adanya produk tabungan barokah yang banyak diminati oleh nasabah dengan bonus setiap bulan nya, lokasi yang strategis di pinggir jalan, pelayanan terbaik berupa door to door, mempromosikan produk dan jasa melalui sosialisasi masyarakat per minggu sehingga dapat meningkatkan minat nasabah dalam menabung dan upaya pihak Bank dalam menarik minat nasabah untuk menabung ialah memberikan layanan dan fasilitas yang baik seperti antar jemput bola, layanan cetak saldo, serta apabila nasabah mendapatkan masalah pihak Bank langsung sigap menanggapi, dan setiap minggu nya pihak Bank rutin megadakan sosialisasi kepada masyarakat dan memberikan reward kepada nasabah yang mempunyai saldo tertinggi setiap pertahunnya sehingga hal ini dapat meningkatkan minat nasabah dalam menabung.

FAKTOR-FAKTOR MINAT NASABAH MEMILIH ASURANSI SYARIAH PASCA BERLAKUNYA BPJS KESEHATAN (STUDI PADA NASABAH AJB BUMIPUTERA 1912 CABANG SYARIAH YOGYAKARTA) Zaid Raya Argantara
Assyarikah: Journal of Islamic Economic Business Vol 1, No 2 (2020): Assyarikah: Journal of Islamic Economic Business
Publisher : Al-Amien Prenduan for Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/assyarikah.v1i2.382

Penelitian ini bertujuan untuk mengatahui faktor apa saja yang menjadi minat masyarakat menggunakan asuransi syariah swasta pasca berlakunya BPJS kesehatan. Penelitian ini menggunakan desain penelitian kualitatif, dengan populasi nasabah yang ada di asuransi syariah pada AJB Bumiputera 1912 Cabang syariah Yogyakarta.Teknik analisis data yang digunakan adalah teknik pengkodean (pengkodean berbuka, pengkodean berporos dan pengkodean berpilih). Faktor-fakotr yang menjadi minat nasabah memilih asuransi syariah swasta pasca berlakunya BPJS kesehatan antara lain: Faktor pelayanan, faktor ini menjadi faktor utama dalam penelitian ini, dimana Bumiputera mampu menjawab permasalahan pelayanan yang diberikan BPJS. Bumiputera menawarkan pelayanan penjemputan pembayaran premi sampai pengajuan klaim dapat dilakukan di tempat kediaman masing-masing. Faktor yang kedua yaitu pendapatan (return), Bumiputera menawarkan pendapatan yang kompetitif, yang mana pemegang polis tidak hanya mendapatkan manfaat dari nilai klaimnya, akan tetapi juga mendapatkan nilai investasinya di akhir tempo yang sudah disepakati. Adapun faktor selanjutnya yaitu faktor promosi yang proaktifÂ dan faktor produk yang inovatif sehingga dapat menjangkau lapisan masyarakat hingga sampai pedalaman.

Pesantren And Community Economy : (Study Of The Effectiveness Of Micro Waqf Bank (BWM) Pesantren In Sumenep) Zaid Raya Argantara
MUAMALATUNA Vol. 15 No. 1 (2023): Januari-Juni 2023
Publisher : Fakultas Syariah UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37035/mua.v15i1.7909

The existence of pesantren is required to respond to social phenomena that occur from time to time, pesantren play the first role in social change, especially in its three main objectives, namely; (1) As an institution in the development of ulama (2), as a form of resilient Human Resources (HR), and (3), as a community development institution. BPS data states that Sumenep City is ranked in the top three with poor populations in East Java. One of the community empowerment institutions at this time is the Islamic micro waqf bank (BWM) managed by pesantren. This research measures the level of effectiveness of community empowerment through Islamic micro waqf banks managed by pesantren in the city ofumenep. This study uses descriptive qualitative methods with data collection sources through interviews, observation and documentation, descriptive qualitative approaches are used in this study to determine the effectiveness of Islamic micro waqf banks (BWM) managed by pesantren. The population in this research is BWM located in the city ofumenep, namely in BWM Al-Pend Barokah Mandiri and BWM Kariman Birajuda Al-Karimiyah. The efforts of sharia microfinance institutions (BWM) Al-Pend Barokah Mandiri and BWM Kariman Birajuda Al-Karimiyah in conducting community economic empowerment are by providing financing without collateral and interest, and providing routine assistance every week. The effectiveness level of BWM Al-Pend Barokah Mandiri and BWM Kariman Birajuda Al-Karimiyah is at a percentage level of 87%, this rating explains that BWM Al-Pend Barokah Mandiri and BWM Kariman Birajuda Al-Karimiyah Islamic boarding schools are currently included in the moderately effective category.

Implementation of The Wadi'ah and Mudharabah Agreement on BTM Sang Surya Pamekasan in Increasing The Interest of MSME's Actors Argantara, Zaid Raya; Muhajir, Ahmad
Jurnal Iqtisaduna Vol 9 No 2 (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v9i2.36248

The existence of funding products at BTM Sang Surya Pamekasan serves as a means of collecting funds from the community which can then be distributed back to the community or UMKM actors who carry out productive economic activities. This funding product uses wadi’ah and mudharabah contracts. The purpose oh this analize is to find out how the implementation of the wadi’ah and mudharabah contracts in BTM Sang Surya Pamekasan in increasing the interest of UMKM actors and what are the obstacles faced by BTM Sang Surya Pamekasan increasing the interest of UMKM actors. This research uses descriptive qualitative methods, data sourced from observation, interviews and documentation. The results of this study explain that the wadi’ah and mudharabah contracts in BTM Sang Surya are applied to funding products, namely wadi’ah futures, wadi’ah savings and mudharabah savings while for the types of contracts used using Wadi’ah yad Al-Amanah, Wadi’ah yad Al-Amanah and Mudharabah mut}laqah. The efforts made by BTM Sang Surya to increase the interest of UMKM actors are carried out using three ways, namely fostering good relationships, lobying to customers then the last one always maintains customer trust in BTM Sang Surya Pamekasan. The obstacles faced by BTM Sang Surya are the increasing number of withdrawals at the same time, weak understanding of digital transactions, and the lack of nominal savings with ball pick-up facilities. Keyword: Implementation, Contract, UMKM

The Effect of Profit-Sharing Financing on the Financial Performance of Islamic Banks Argantara, Zaid Raya; Fitriyah, Nabilatul
Jurnal Ilmiah Manajemen Kesatuan Vol. 11 No. 3 (2023): JIMKES Edisi Desember 2023
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v11i3.2329

This research aims to determine the effect of profit sharing financing, namely mudharabah financing and musyarakah financing, on the financial performance of BCA Syariah Bank with profits in the form of a predetermined profit sharing ratio and losses fully borne by the bank for Mudharabah financing. This research uses a quantitative approach with multiple linear regression techniques which aims to test the hypotheses that have been established. The type of data used is secondary data which indirectly provides data to data collectors. The data analyzed in this research are the Financial Reports for Mudharabah Financing and Musyarakah Financing of BCA Syariah Bank per Quarter of 2014-2021. Data collection techniques use documentation from the official BCA Syariah website. The independent variable in this research is profit sharing financing, namely Mudharabah Financing (X1) and Musyarakah Financing (X2) and the dependent variable is Return on Assets (Y). The data analysis technique used is multiple linear regression analysis using the SPSS 25 application. The research results show that mudharabah financing has a positive and significant effect on ROA. Musyarakah financing has no positive and insignificant effect on ROA. Simultaneously mudharabah financing and musyarakah financing have a positive and significant effect on ROA.

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