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IMPLEMENTASI AKAD MURABAHAH DAN RAHN PADA PRODUK CICIL EMAS DI BANK SYARIAH INDONESIA Mia, Mia Siti Nurjanah; Usep, Usep Deden Suherman; Ahmad Abdul Gani
Lobi Vol. 1 No. 2 (2024): LOBI: Jurnal Ekonomi, Manajemen, Bisnis Islam
Publisher : Laboratorium FEBI UIN SGD Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/lobi.v1i2.913

Abstract

Tujuan penelitian ini adalah untuk menganalisis implementasi akad muraba­hah pada produk cicil emas di Bank Syariah Indonesia KCP Bandung Lembang sebagai sebuah upaya dalam memastikan bahwa perbankan syariah di Indonesia telah melaksanakan tugas dan fungsinya sesuai dengan syariat islam. Metode dalam pene­litian ini adalah dengan penelitian kualitatif dengan pendekatan deskriptif. Teknik pengumpulan data dilakukan dengan teknik observasi dan dokumentasi. Analisis data dilakukan dengan metode induktif dengan mengembangkan fakta atau fakta yang diperoleh dan dapat dikembangkan dari hasil penelitian yang dilakukan. Penelitian ini menyimpulkan bahwa Bank Syariah Indonesia KCP Bandung Lem­bang telah melak­sanakan akad murabahah dalam produk cicil emas sesuai dengan syariah islam. Pelak­sanaan akad murabahah terjadi ketika nasabah ingin membeli emas dari bank secara angsuran dalam jangka waktu yang disepakati antara nasa­bah dan bank. Bank Syariah Indonesia KCP Bandung Lembang juga menggu­nakan sistem rahn (gadai) daam pelaksanaan akad murabahah dimana pelang­gan memberikan jaminan dalam cicilannya yaitu emas, sehingga barang yang dicicil nasabah akan diberikan setelah nasabah melunasi pembiayaannya.
THE IMPACT OF ICT TRAINING AND MOTIVATION ON THE STUDENTS’ ACADEMIC PERFORMANCE Suherman, Usep Deden
JURNAL EDUSCIENCE Vol 12, No 1 (2025): Jurnal Eduscience (JES), (Authors from Philippines, Thailand, and Indonesia)
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jes.v12i1.6641

Abstract

Purpose- ICT training and motivation are important in improving student competence in the learning process. This research is important to improve students' skills in understanding ICT. This study evaluates, individually and holistically, how training and accomplishment motivation affect students' competencies at FEBI UIN SGD Bandung.Methodology—Descriptive and verification methodologies are implemented in the investigation. The study was conducted on 100 pupils from FEBI UIN SGD Bandung. Saturated sampling methodologies were implemented to conduct the sampling. Data collection techniques used observation, questionnaires, and interviews. Multiple regression analysis is the methodology utilized for data analysis.Finding- The study's results suggest that student competency is influenced by training and achievement motivation, both individually and collectively. As a result, the competencies of FEBI UIN SGD Bandung students are influenced by ICT training and achievement motivation, and there is a correlation between increased enthusiasm for student accomplishment and improved competency. This illustrates that combining achievement incentives and ICT training improves students' competency at FEBI UIN SGD Bandung. The determinant value was 0.889, suggesting that training and motivation accounted for 88.9% of student competency. Concurrently, 11.1% was attributed to supplementary causes.Significance-This training will improve students' understanding of ICT, which helps improve students' academic achievement. Keywords : Training, Competence, Performance
PENGARUH PENDIDIKAN DAN PELATIHAN TERHADAP KINERJA KARYAWAN BNI SYARIAH CABANG BANDUNG Suherman, Usep Deden
JISPO Jurnal Ilmu Sosial dan Ilmu Politik Vol. 8 No. 2 (2018): JISPO Vol 8 No 2 2018
Publisher : Faculty of SociaI and Political Sciences (FISIP), Universitas Islam Negeri (UIN) Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jispo.v8i2.3799

Abstract

The purpose of this study was to determine education, training, employeeperformance and the influence of education and training on employee performance both partially and simultaneously. The research method used is descriptive method for 70 employees. The sampling technique used is simple random sampling. Meanwhile, the technique used to test the hypothesis is Path Analysis. The results of the study illustrate that education is in a sufficient category that can be seen in terms of decision making skills, interpersonal skills, job knowledge, organization knowledge, general knowledge and specific individual needs. When viewed from the training, it is generally in asufficient category that can be seen in terms of skills, knowledge, behavior. Judging fromthe performance of employees, in general, it is in the quite category also in terms of quality of work, timeliness, initiative, capability, and communication. Furthermore, the results of the study indicate that education and training have a positive and significant influence both partially and simultaneously on employee performance
ALTMAN Z-SCORE ANALYSIS OF FINANCIAL DISTRESS IN ISSI-LISTED COSMETICS AND HOUSEHOLD MANUFACTURING SECTOR Yuningsih, Firda; Suherman, Usep Deden; Suhendi
Finansha: Journal of Sharia Financial Management Vol. 6 No. 1 (2025): Finansha: Journal of Sharia Financial Management
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/fjsfm.v6i1.39335

Abstract

This study aims to examine the application of the Altman Z-Score model in assessing financial distress and financial conditions of manufacturing companies in the cosmetics and household needs sub-sectors listed on the Indonesian Sharia Stock Index (ISSI) from 2013 to 2022. Employing a descriptive quantitative approach, the study selects its sample through purposive sampling from the population of relevant manufacturing firms within the ISSI. The findings demonstrate that the Altman Z-Score model effectively analyzes financial distress in these companies. Among the firms studied, PT Akasha Wira Internasional Tbk, PT Mustika Ratu Tbk, PT Unilever Indonesia Tbk, and PT Mandom Indonesia Tbk exhibit healthy financial conditions, whereas PT Martina Berto Tbk shows signs of financial distress. This research provides practical implications for companies by offering a reliable predictive tool to identify potential bankruptcy risks, enabling proactive financial management and strategic decision-making based on current conditions and future prospects.
Stock Valuation Using the Discounted Cash Flow Method with the Free Cash Flow to Firm Approach: Implications and Impact on Educational Management Muhammad Athar Maulana; Usep Deden Suherman; Muhammad Sandi Marta
Journal of Educational Management Research Vol. 4 No. 4 (2025)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v4i4.1036

Abstract

This research analyzes the fair value of stock using the Discounted Cash Flow (DCF) method with the Free Cash Flow to Firm (FCFF) approach for the period 2020-2024, with implications for educational management. The study employs a quantitative descriptive methodology utilizing secondary data from financial statements and supporting databases. AMRT demonstrated robust financial performance with Gross Profit Margin increasing from 20.3% to 21.5%, Operating Profit Margin improving from 2.2% to 3.4%, and Net Profit Margin rising from 1.4% to 2.7% during the analyzed period. The valuation model projects a Compound Annual Growth Rate (CAGR) of 8.5% for 2025-2029, supported by strategic expansion of 800 new stores annually and digital transformation initiatives. Using a Weighted Average Cost of Capital (WACC) of 11.27%, cost of equity of 12.11%, and terminal growth rate of 5.50%, the DCF analysis yields an enterprise value of RP 114.87 trillion. After adjusting for the net debt position, the intrinsic value per share is calculated at RP 2,420, compared to the market price of RP 2,330, indicating a 3.9% upside potential. The findings suggest AMRT is slightly undervalued, presenting a modest investment opportunity for value-conscious investors seeking exposure to Indonesia's expanding retail sector. The implications of this analysis extend to educational management by highlighting the importance of financial management practices and investment strategies within educational institutions to ensure long-term sustainability and growth.
THE EFFECT OF INTERNAL LOCUS OF CONTROL AND BURNOUT CONDITION ON EMPLOYEE PERFORMANCE OF PT BIO FARMA (PERSERO) BANDUNG Suherman, Usep Deden; Gliserlda, Alda
Indonesian Journal of Strategic Management Vol. 8 No. 1 (2025): Indonesian Journal of Strategic Management
Publisher : Universitas Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25134/ijsm.v8i1.11168

Abstract

The purpose of this research is to ascertain whether internal locus of control influences something partially and simultaneously and burnout condition on performance at PT Biofarma (Persero) Bandung. Verifiable descriptive study using a quantitative approach is the methodology employed. Using random sampling techniques, the purposive sampling technique is used in the sample process. The primary and secondary data used were gathered directly from relevant sources and from PT. Biofarma (Persero) Bandung's official website and data collection techniques using questionnaires. The study's findings demonstrated that the Locus of Internal Control significantly and partially affected performance. The performance was not significantly affected by the burnout condition, nor did it have any influence. Employee performance is significantly impacted by both the burnout condition and the locus of internal control at the same time. 
Analysis of Strategy for Development of Halal Tourism Potentials in Syariah Hotels in West Java Suherman, Usep Deden
Li Falah: Journal of Islamic Economics and Business Vol. 3 No. 2 (2018): December 2018
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v3i2.1193

Abstract

Halal tourism potential in West Java, especially for sharia hotels is very high so that West Java is a potential area for developing halal tourism. To realize West Java as a halal tourism development area is not easy there are obstacles faced such as the lack of consumer interest in sharia hotels and not many people understand the difference between sharia hotels and conventional hotels. Therefore, this study will examine the development strategy of halal tourism in West Java.The purpose of this study is 1) to identify internal factors (strengths and weaknesses) in the development of sharia tourism in West Java, 2) to identify external factors (opportunities and threats) in the development of sharia tourism in West Java, 3) for knowing the positioning of West Java in the development of sharia tourism and 4) to find out the development strategy of sharia tourism in West Java.The research method used is qualitative descriptive. The study was conducted on 8sharia hotels in the West Java region. The data analysis technique used is SWOT analysis using internal factors and external factors of the company.The SWOT matrix calculation results produce ten alternative strategies, namelyencouraging and providing halal certification facilities for sharia hotels, conductingassessment of facilities and infrastructure, halal tourism needs and other supportingelements in West Java, increasing the promotion of sharia tourism through various mediaand providing tourism information based on information technology that suits the needs of tourists, conducts an inventory of data in collaboration with the city or district government to hotels that implement the concept of sharia in West Java, develop uniqueness as excellence found in sharia hotels in West Java, Cooperate with various parties including the tourism ministry, the community and other stakeholders, equating the perception of the concept of sharia tourism between the government and business actors through halal tourism discussions and seminars, Developing various tourism products Halal with the aim of attracting tourists, conducting training and coaching Islamic tourism HR in accordance with the standards of the MUI, providing a place of worship complete with other worship facilities and infrastructure. The results of this study are expected to be a recommendation to the government of West Java Province and sharia hotels in the development of halal tourism in West Java.
Analysis of Spirituality Effect on Workplace and Work Motivation on Employee Performance Bank Syariah Mandiri in Jawa Barat Region suherman, usep deden
Li Falah: Journal of Islamic Economics and Business Vol. 5 No. 2 (2020): December 2020
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v5i2.2307

Abstract

This study aims to determine how much influence spirituality in the workplace on the performance of Bank Syariah Mandiri Bank employees in the West Java Region how much influence the motivation of work on the performance of Bank Syariah Mandiri employees in the West Java Region and how much power the Spirituality at work and work motivation simultaneous performance of Bank Syariah Mandiri employees in the West Java Region. This study uses a quantitative approach with the primary data collection tool questionnaire. The sampling technique used was the purposive sampling technique. While the data analysis technique used is multiple regression analysis. The study results illustrate that Spirituality at work has a positive and significant influence on employee performance. Then work motivation has a positive and significant effect on employee performance. Furthermore, Spirituality at work and work motivation together have a positive and significant impact on employee performance.
Analysis of Factors Affecting Consumer Purchase Behavior: Study in Muslim communities who shop online through the Shopee Application suherman, usep deden
Li Falah: Journal of Islamic Economics and Business Vol. 6 No. 2 (2021): December 2021
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v6i2.3051

Abstract

This study aims to determine and analyze what factors influence consumer buying behavior in the era of citizen 4.0 and the most dominant influences on consumer buying behavior in citizen 4.0. This research uses descriptive and explanatory survey methods. Sampling was carried out using the Accidental Sampling sample technique. The data analysis technique used is factor analysis. The findings of this study are factors such as availability and price factors, promotion factors, comfort factors, varieties and comparison factors, after-sales service factors, and connectivity factors that influence consumer purchasing behavior in the era of citizen 4.0. Besides that, variety and comparison factors are the most dominant factors affecting consumer buying behavior in the age of citizen 4.0, followed by availability and price factors, comfort factors, promotion factors, after-sales service factors, and connectivity factors.
Integration of Ushul Fiqh Principles in the Protection of Investor Assets in the Islamic Capital Market in Indonesia Husni Rofiq; Usep Deden Suherman; Asep Ramdan Hidayat
Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 4 No 4 (2026): Volume 4, Issue 4, July 2026
Publisher : CV. Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/jeemba.v4i4.1500

Abstract

Purpose – This study aims to analyze the concept of investor asset protection in the Islamic capital market from the perspective of Ushul Fiqh principles, to identify relevant legal maxims as a normative foundation, and to examine their implementation in regulations, fatwas, and operational practices of the Islamic capital market in Indonesia. Design/methodology/approach – This research employs a descriptive qualitative approach through document analysis, interviews with fiqh experts, regulators, and practitioners, as well as non-participatory observation. Data analysis is conducted thematically through reduction, categorization, and interactive verification. Finding/Results – The findings indicate that investor asset protection is constructed through the integration of modern regulatory frameworks with Ushul Fiqh principles that emphasize justice, legal certainty, and risk mitigation. Five main pillars—clarity of contracts, justice, prevention of gharar (uncertainty) and maisir (gambling), risk mitigation, and the principle of trust (amanah)—form the foundation of investor protection. The legal maxims al-umūr bi maqāṣidiha (matters are judged by their objectives), al-yaqīn lā yazūlu bi al-shakk (certainty is not removed by doubt), al-ḍarar yuzāl (harm must be eliminated), and ḥifẓ al-amwāl (protection of wealth) function as a normative framework to establish a transparent, stable, and sustainable Islamic capital market Originality/Value – This study contributes by developing an Ushul Fiqh-based framework for investor asset protection in Indonesia's Islamic capital market, providing a new perspective for strengthening Sharia governance and improving investor confidence.