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All Journal JURNAL LENTERA : Kajian Keagamaan, Keilmuan dan Teknologi al-Afkar, Journal For Islamic Studies Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam LAN TABUR: Jurnal Ekonomi Syari’ah Jurnal Ilmiah Manajemen Kesatuan MUAMALATUNA Al-Sharf: Jurnal Ekonomi Islam An-Nisbah : Jurnal Perbankan Syariah Assyarikah : Journal of Islamic Economic Business Jurnal Iqtisaduna Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Journal of Management and Islamic Finance Filantropi: Jurnal Manajemen Zakat dan Wakaf Istinarah: Riset Keagamaan, Sosial dan Budaya Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Assyarikah: Journal Of Islamic Economic Business REFORM : JURNAL PENDIDIKAN, SOSIAL DAN BUDAYA Jurnal Ekonomi, Bisnis dan Manajemen LAN TABUR: JURNAL EKONOMI SYARIAH At-Tasharruf: Jurnal Ekonomi dan Bisnis Syariah Reflektika
Zaid Raya Argantara
Al-Amien Prenduan Dirosat Islamiyah Institute, Indonesia
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Analisis Persepsi Nasabah pada Produk Tabungan Barokah (BPRS Bhakti Sumekar Cabang Pragaan) Argantara, Zaid Raya; Azizah, Nur
REFORM : Jurnal Pendidikan, Sosial, dan Budaya Vol. 5 No. 02 (2022): REFORM : Jurnal Pendidikan, Sosial, & Budaya
Publisher : YAYASAN HAMJAH DIHA bekerjasama dengan PENA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70004/reform.v2i01.48

Abstract

Produk penghimpunan dana yang ditawarkan oleh BPRS Bhakti Sumekar banyak menarik minat nasabah adalah tabungan barokah. Produk tabungan barokah memposisikan dirinya di benak nasabah sebagai tabungan yang bebas biaya. Selain pembukaan awal rekening yang murah dan bebas biaya administrasi. Produk tabungan barokah juga disediakan berbagai fasilitas, meskipun sudah disediakan fasilitas yang memudahkan nasabah tetapi nasabah belum memahami terkait fasilitasini, termasuk sifat (akad) dan prosedur yang digunakan di dalam produk tabungan barokah. Maka hal tersebut bertentangan dengan ketentuan syarat dalam melakukan akad antar keduabelah pihak. Karena praktik yang dilakukan BPRS Bhakti Sumekar Cabang Pragaantidaksesuaidenganteori dan haliniberakibatkepadanasabah yang tidak memiliki tingkat pemahaman yang baik terhadap produk tabungan barokah. Penelitian ini menggunakan pendekatan kualitatif dengan jenis field research. Sumber data diperoleh melalui wawancara, observasi dan dokumentasi. Informanpenelitianini para nasabah yang menggunakan tabungan barokah. Hasil penelitian menunjukan bahwa persepsi nasabah pada tabunganbarokah BPRS Bhakti Sumekar Cabang Pragaansudahcukupbagus, semua responden sudah mengetahui akad dari tabungan barokah dan prosedur yang dijalankan BPRS Bhakti Sumekar cabang Pragaan sudah sesuai prinsip syariah. Nasabah yang tidak mengetahui nama produk tabungan barokahdisebabkan karena adanya faktor-faktor yang melandasi pemanaham nasabah tabungan barokah, faktor-faktor tersebut ialah: faktor dalam diri, faktor situasi dan faktor kebutuhan. Sedangkan dari pelayanan nasabah tidak ada komplain karena pelayanan yang diberikan pihak bank sudah cukup maksimal.
Analisis Dampak Merger Bank Syariah Pada Loyalitas Nasabah (Studi kasus Eks Nasabah BNI Syariah di Pondok Pesantren Al-Amien Prenduan) Zaid Raya Argantara; Abidin, Zaenal
REFORM : Jurnal Pendidikan, Sosial, dan Budaya Vol. 5 No. 02 (2022): REFORM : Jurnal Pendidikan, Sosial, & Budaya
Publisher : YAYASAN HAMJAH DIHA bekerjasama dengan PENA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70004/reform.v2i01.49

Abstract

Loyalitas bank syariah dapat diukur dengan adanya sikap loyal berdasarkan pengalaman dan kepuasan seorang pelanggan terhadap sesuatu yang mereka anggap sudah nyaman dalam pelayanan marger syariah. Penelitian ini bertujuan untuk mengetahui proses Merger Bank Syariah BUMN menjadi Bank Syariah Indonesia, serta mengetahui dampak merger Bank Syariah terhadap loyalitas Nasabah pada Eks Nasabah BNI Syariah di Pondok Pesantren Al-Amien Prenduan. Penelitian ini menggunakan pendekatan kualitatif lapangan. Adapun metode yang digunakan adalah metode wawancara, observasi, dan dokumentasi. Melalui metode tersebut, peneliti olah dan analisis untuk memperoleh data atau informasi. Subjek penelitian ini ialah Nasabah Eks BNI Syariah yang notabene dominan dan telah melakukan kerjasama dengan pihak Pondok Pesantren Al-Amien Prenduan. Adapun hasil penelitian ini adalah (1) Proses Merger Bank Syariah di mulai sejak penandatanganan Conditional Merger Agreement (CMA) pada tanggal 2 Juni 2020, lalu tanggal 27 Januari 2021 Deputi Komisioner Humas dan Logistik Otoritas Jasa Keuangan Republik Indonesia menyampaikan izin terkait penggabungan usaha tiga bank syariah milik BUMN oleh Otoritas Jasa Keuangan. Tanggal 1 Februari 2021 ketiga Bank Syariah milik BUMN tersebut resmi bergabung (merger) dan beroperasi menjadi salah satu entitas PT Bank Syariah Indonesia Tbk, atau disingkat menjadi BSI. (2) Penurunan terhadap loyalitas Nasabah setelah adanya Merger Bank Syariah menjadi Bank Syariah Indonesia. Ada beberapa alasan yang mendasarinya yaitu, (a) Jarak Kantor pelayanan yang jauh. Kantor layanan di perlukan jika ingin menyetor tunai dengan jumlah yang besar. (b) Tempat mesin ATM yang jauh. Hal ini membuat Nasabah kesulitan untuk mengambil uang chas, sehingga nasabah harus mengambil dari mesin ATM lain yang terkena biaya admin.
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

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v3i1.671

Abstract

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.
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

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v2i2.520

Abstract

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.
PENGARUH KARAKTERISTIK BANK TERHADAP PROFITABILITAS PERBANKAN SYARIAH MELALUI GOOD CORPORATE GOVERNANCE (GCG) SEBAGAI VARIABEL MODERASI Argantara, Zaid Raya; Mujibno, Mujibno; Priyojadmiko, Eko
JURNAL LENTERA : Kajian Keagamaan, Keilmuan dan Teknologi Vol 20 No 2 (2021): September 2021
Publisher : LP2M STAI Miftahul 'Ula (STAIM) Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29138/lentera.v20i2.385

Abstract

Profitabilitas merupakan aspek penting dalam perkembangan perbankan syariah. Tingkat profitabilitas yang tinggi akan membuat perbankan syariah mampu berkembang lebih cepat. Dalam meningkatkan profitablitiasnya, perbankan syariah dituntut agar dapat mengelola biaya operasionalnya secara efisien, pencadangan modal yang optimal, dan penyaluran pembiayaan yang berkualitas. Penelitian ini dilakukan untuk menguji apakah penerapan Good Corporate Governance (GCG) mampu memoderasi pengelolaan biaya operasional, pencadangan modal dan penyaluran pembiayaan terhadap profitabilitas perbankan syariah. Secara metodologis, penelitian ini menggunakan jenis penelitian eksplanatori. Pengambilan sampel menggunakan metode teknik purposive samplingdengan jumlah data yang tersaring sebanyak 10 bank syariah. Penelitian ini menggunakan karakteristik bank yang terdiri dari BOPO, CAR, dan FDR sebagai variabel independen, menggunakan good corporate governance (GCG) sebagai variabel moderasidan menggunakan ROA sebagai varibel dependen. Metode analisis data yang digunakan dengan Pooled Least Square (PLS). Hasil penelitian ini menunjukkan bahwa BOPO berpengaruh negatif signifikan terhadap ROA, CAR berpengaruh negatif signifikan terhadap ROA, FDR berpengaruh positif signifikan terhadap ROA, Good Corporate Governance(GCG)berpengaruh positif signifikan terhadap ROA. Selanjutnya Good Corporate Governance(GCG) mampu memoderasi variabel BOPO terhadap ROA, dan Good Corporate Governance (GCG) mampu memoderasi variabel CAR terhadap ROA.Namun demikian,Good Corporate Governance (GCG) tidak mampu memoderasi hubungan FDR terhadap profitabilitas perbankan syariah.
Budaya Berbagi dalam Filantropi Islam: Kajian atas Praktik Kedermawanan di Komunitas Muslim Putra, Muhammad Deni; Afandi, Mukhamad Yazid; Fadilla, Siti; Mansur, Muhammad; Argantara, Zaid Raya
Istinarah: Riset Keagamaan, Sosial dan Budaya Vol 6, No 2 (2024): ISTINARAH: RISET KEAGAMAAN, SOSIAL DAN BUDAYA
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/istinarah.v6i2.13513

Abstract

This study examines the role of the culture of sharing in Islamic philanthropy, particularly the practice of generosity among Muslim communities, using a qualitative approach through literature review. The aim is to understand how the culture of sharing, social character, and local religious and cultural values influence the collection and distribution of zakat and charity. Findings indicate that the culture of sharing in Muslim societies significantly contributes to increased awareness and participation in philanthropic activities. Communities that uphold the values of solidarity and mutual assistance are more active in collecting and distributing zakat and charity, creating strong social networks. The analysis of social and cultural character reveals that local norms, such as the tradition of helping one another, influence patterns of generosity and strengthen social bonds among community members. Furthermore, religious values, including sincerity and the obligation of zakat, serve as primary motivations for individuals to engage in philanthropy. This research emphasizes the importance of integrating religious values and local culture into charitable programs, where philanthropic institutions that consider community needs are more likely to succeed in attracting participation. The findings are expected to serve as a foundation for developing policies and strategies to strengthen philanthropic practices in Muslim communities and enhance solidarity and social welfare. Additionally, this study suggests the need for further exploration of the relationship between the culture of sharing and the effectiveness of philanthropy in a broader context.Keywords: Culture of Sharing, Islamic Philanthropy, Generosity, Muslim Community
THE SYNERGY OF ISLAMIC FINANCE AND SUSTAINABLE DEVELOPMENT: MANAGEMENT INNOVATION IN PESANTREN-BASED AMIL ZAKAT INSTITUTIONS Rahman, Holilur; Noor Aimi Mohamad Puad; Zaid Raya Argantara
Journal of Management and Islamic Finance Vol. 4 No. 1 (2024): Journal of Management and Islamic Finance
Publisher : UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jmif.v4i1.10135

Abstract

This article explores the synergy between Islamic finance and sustainable development (SDGs) through. Meanwhile, a PUSKAS BAZNAS survey shows that 55% of zakat managers in Pesantren lack adequate managerial knowledge and skills. This article argues that Islamic finance and sustainable development synergize in offering practical insights for managers of Pesantren-based Amil Zakat Institutions. This research uses a qualitative approach with a literature review method, including an analysis of various literatures related to zakat management and sustainable development. The results of this article show that management innovation in Pesantren-based Amil Zakat Institutions can increase the effectiveness and efficiency of zakat management. Collaboration with other stakeholders expands the social impact of zakat. Additionally, training and developing managerial skills for zakat managers in Pesantren increase their capacity to manage funds more effectively. In conclusion, the synergy between Islamic finance and sustainable development can be realized through management innovation in Pesantren-based Amil Zakat Institutions in accordance with the principle of unrestricted public interest (al-maslahah al-mursalah). By enhancing managerial knowledge and skills, as well as leveraging technology and strategic collaboration, these Amil Zakat Institutions can play a crucial role in achieving the SDGs.
Customer Decisions in Islamic Gold Pawning: The Role of Service Excellence and Sharia Compliance in Rural Indonesia Argantara, Zaid Raya; Sa’adah, Qanitatus
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 6, No 1 (2025): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v6i1.2111

Abstract

The development of the Islamic banking industry demands excellent service and consistent implementation of Islamic governance principles to maintain and increase customer trust. Islamic People's Financing Banks (BPRS), although the institution is between commercial banks and microfinance institutions, are required to be able to compete through service excellence and Islamic compliance. This study aims to determine the effect of excellent service and Islamic governance on customer decisions in using gold pawn products at BPRS Bhakti Sumekar KCP Pragaan. This study uses a quantitative approach with multiple linear regression analysis techniques. The sample was taken using probability sampling techniques, with 46 respondents who were active users of gold pawn products. Data were collected through a structured questionnaire. The results of the study indicate that the two independent variables, namely excellent service and Islamic governance, have a positive and significant effect on customer decisions. Simultaneously, the two variables contribute 95.8% to customer decision making, while the remaining 4.2% is influenced by other factors outside the research model. The novelty of this research lies in the integrative focus between service and sharia aspects in the context of gold pawn products at BPRS, which has not been studied empirically in previous literature, especially in rural areas such as Pragaan.
ANALISIS STRATEGI PEMASARAN BPRS BHAKTI SUMEKAR MELALUI DIGITAL MARKETING DALAM MENARIK MINAT NASABAH Argantara, Zaid Raya; Khofifah, Indaratul
LAN TABUR : Jurnal Ekonomi Syariah Vol. 5 No. 2 (2024): Maret
Publisher : Lembaga Pusat Penelitian dan Pengabdian kepada Masyarakat (LP2M) Institut Agama Islam (IAI) Al-Qodiri Jember, Jawa Timur Indonesia bekerjasama dengan Kopertais Wilayah 4 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lantabur.2024.5.2.195-211

Abstract

Marketing is an activity that must be carried out by every economic activity, especially in every financial institution. because with these marketing activities, the goals of a company organization or institution can be achieved. And it is undeniable that the unavoidable changes in technological globalization require every company, institution and organization to be more sensitive to encourage one's creativity and innovation in the marketing process so as not to be left behind by the times. This study aims to analyze the digital marketing implemented by BPRS Bhakti Sumekar as a marketing strategy in attracting customers. The problem which arises in this research is about the strategy of BPRS Bhakti Sumekar marketing from digital marketing in attracting the interest of the customer and the impact of BPRS Bhakti Sumekar marketing from digital marketing to customer amount.This study uses a descriptive qualitative method with data sources used through interviews, observation and documentation. The analysis in this study was carried out in three stages, namely data reduction, data presentation, and data verification. According to the data analysis proposed by the theory of Miles and Huberman. The results of this study indicate that the marketing strategy carried out by BPRS Bhakti Semuker is through digital marketing by promoting shared social media such as Instagram, Facebook, websites, Videotron, and also Tiktok. BPRS Bhakti Sumekar's digital marketing has an impact on increasing the number of customers and the use of BBS Mobile facilities every year.
Implementation of Market Segmentation for Hijrah Scholar Takaful Insurance Products, Bank Muamalat, Sumenep Branch Zaid Raya Argantara; Siti Maghfiroh Syamsul
al-Afkar, Journal For Islamic Studies Vol. 8 No. 3 (2025)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v8i3.1513

Abstract

This study analyzes the implementation of market segmentation on Hijrah Cendekia Takaful insurance products in Bank Muamalat Sumenep branch, supporting factors and inhibiting factors of hijrah cendekia takaful insurance products Bank Muamalat Sumenep Branch. Research methods using qualitative methods of Field (field research). Source data obtained from interview techniques, observation and documentation. The results of this study explain the segmentation of the insurance market Hijrah Cendekia Takaful Bank Muamalat Sumenep branch includes four things, namely Geographical segmentation in cities and villages in Sumenep regency, demographic segmentation from 20-65 years old, psychographic segmentation through motivation and expectations to be achieved by customers and behavioral segmentation of positive responses from customers regarding education in the future. The supporting factors of hijrah cendekia takaful Insurance are from the promotional strategies carried out by Bank Muamalat Sumenep branch so as to foster customer motivation who have the ability to economically use hijrah cendekia takaful insurance products for children's education in the future. Factors inhibiting scholar Takaful hijrah insurance is influenced by the lack of public understanding and limited economic conditions, the number of other institutions that offer the same product.
Co-Authors Afandi, Mukhamad Yazid Ahmad Choiri Ahmad Muhajir, Ahmad Ahmad Rofiki Aisyah Aisyah Eko Priyojadmiko Fadilla, Siti Fitriyah, Nabilatul Holilur Rahman Khofifah, Indaratul MUHAMMAD MANSUR Mujibno, Mujibno Noor Aimi Mohamad Puad Noviana Prasanti Nur Azizah Nuris Watun Hasanah Nurul Annisa Nurul Annisa Putra, Muhammad Deni Ruslan, Ruslan Ruslan Safitri, Annisa Windiyah Safitri, Yuliana Sari Utami Sa’adah, Qanitatus Siti Maghfiroh Syamsul Syahruddin Syahruddin Yuliana Safitri Zaenal Abidin Zaidiah, Zaidiah Zainurrohman Zainurrohman Zaitur Rohmah