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Urgensi Sosialisasi Produk Akad Perbankan Syariah terhadap Masyarakat di Kabupaten Bengkalis (Studi Kasus Bank Syariah Mandiri KCP Bengkalis) Nur Azlina
Akademika: Jurnal Keagamaan dan Pendidikan Vol 17, No 1 (2021): Akademika: Jurnal Keagamaan dan Pendidikan | Juni 2021
Publisher : STAIN Bengkalis

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This study aims to determine the urgency of socialization of the contract of the Syariah Bank Mandiri Branch Office to The Community in Bengkalis Regency. This type of research is a qualitative descriptive approach, namely research that seeks to provide a detailed and in-depth description of the object under study. Data collection techniques from documentation, observation and interviews with the leaders and financing analysts of KCP BSM Bengkalis. From the presentation of the data, it can be concluded that there has been socialization carried out by BSM to provide literacy of the public regarding the presence of sharia banking and contract products applied by BSM to customers through brochures provided by BSM to mosque administrators and educational institutions around Bengalis district.

Islamic Economic Methodology Aproach to Achieve Economic Equity: Epistemological Study Nur Azlina; R. Melda Maesarach; Muhammad Said
BASKARA : Journal of Business and Entrepreneurship Vol 4, No 2 (2022): Baskara: Journal of Business and Entrepreneurship
Publisher : Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54268/baskara.4.2.28-39

Economic policies based on capitalism and socialism have proven to have failed to create a just economy. As a result of adhering to capitalist and socialist ideologies, macroeconomic imbalances and national instability occur. The welfare and prosperity of the people does not depend on production alone, but also on its proper distribution. Wealth in a country can be produced in large quantities, but if its distribution is not based on true and fair principles, then the country will not be able to achieve prosperity. This article aims to find out how the methodology of Islamic economics realizes equity and falah. This research uses descriptive qualitative research method with a literature review approach. Data collection techniques, with literature, from several sources obtained that are relevant to the theme. Books, journals, websites, and others. The data analysis technique is descriptive qualitative, describing the study of Islamic economic epistemology that can help realize economic equity. The results in this study BMT is a financial institutional system that is able to reform the conventional economic system and bring economic justice and equitable distribution with practical provisions through syar'i arrangements in collecting and distributing through wadi'ah, mudharabah, musyarakah, murabahah, salam, istishna transactions. , ijarah, and qardh. The implementation of Islamic social finance in Indonesia can be seen through the existence of various financial institutions that provide financial services by involving Islamic social funds such as Baznas (National Amil Zakat Agency), BWI (Indonesian Waqf Board) and other institutions with the aim of embracing the middle, small, and medium-sized micro communities.

Pengaruh Word Of Mouth Terhadap Keputusaan Mahasiswa Himpunan Mahasiswa Kecamatan Bantan Memilih Bank Syariah Nur Azlina; Noratika Noratika
Al-bank: Journal of Islamic Banking and Finance Vol 2, No 1 (2022): January - June 2022
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v2i1.5348

This study aims to determine the effect of word of mouth on the decision of Kecamatan Bantan students to choose Islamic banks. The research method uses a quantitative descriptive approach. The population is all students in the Kecamatan Bantan student association with a total of 157 people. The number of samples is 61 people with the sampling technique used is the random sampling method. The data analysis technique used simple linear regression. The marketing level of word of mouth (X) in the Bantan sub-district student association is included in the high category, namely 76.58%. The decision level (Y) is included in the high category, namely 80.20%. The results showed that the word of mouth variable had an effect on students' decisions to choose Islamic banks. The results of the study can be considered by Islamic banks in making policies.

PENGARUH STRATEGI PEMASARAN PRODUK PENDANAAN TERHADAP JUMLAH NASABAH PT. BANK SYARI’AH MANDIRI KCP BENGKALIS Nur Azlina
Bertuah: Journal of Sharia and Islamic Economics Vol 1, No 1 (2020)
Publisher : STAIN Bengkalis

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The marketing strategy is basically a whole plan, integrated and unified field of marketing, which provides guidance on activities to be carried out in order to achieve the marketing objectives of a company. Marketing strategy standalone Islamic bank KCP Bengkalis, to encourage customers to participate in activities such as banking, namely, location, promotion, and product sharing. Marketing is human activity directed to meet and satisfy the needs and human desires through the exchange process. Establishment of site selection Islamic Bank Mandiri KCP Bengkalis positively to the value of 6.589 on the variable increase the number of customers using 4 indicators, strategies, location, location and comfort. With four variables used in this study proved that the location variable has the highest influence. In this research, using a sampling method with random sampling technique. Then the retrieval of data by using a questionnaire containing open and closed questions. From the data obtained was then processed using statistical linear regression formula with the help of software SPSS 16. From the results obtained, the location variables have the most influence and significant to the variable increase in the number of customers of Bank Syariah Mandiri KCP Bengkalis. Keyword: Marketing Strategies, Increasing Number of Customers

Analisis Tingkat Kesehatan PT Bank Jabar Banten Syariah Periode 2017-2021 dengan Metode Camels, RGEC dan Alman Z-Score Nur Azlina; Muhammad Nadratuzzaman Hosen
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Publisher : Universitas Muhammadiyah Sumatera Utara

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The purpose of this study was to analyze the level of soundness of one of the Islamic banks in Indonesia, namely Bank BJB Syariah. This research is a descriptive research with a quantitative approach. The data used is secondary data obtained from literature studies, journals, internet and other literature related to research. The quantitative data in this study is the BJB Syariah financial report obtained from the Bank's annual report on its official website. The analytical technique used is the CAMELS, RGEC and Altman Z-Score methods. The overall results of the study show that the BJB Syariah Bank Soundness Level which was studied using the CAMELS, RGEC and Altman Z-Score methods resulted in a very healthy rating for the CAMELS assessment and healthy and fairly healthy for the RGEC assessment, as well as an unhealthy rating on the Altman Z-Score assessment. These three methods are relevant to be used to analyze the soundness of Islamic banks. The condition of a good health level at Bank BJB Syariah shows an unstable management performance in mitigating risk. It can be concluded that BJB sharia tends to go bankrupt. By continuing to prioritize prudential principles and good strategic management, the choice in the productive underprivileged segment is expected to provide resilience and improve finances for the Bank, and can provide wider benefits to the community, especially for Indonesian MSMEs that are more resilient as economic drivers nation.

TRADISI JULA-JULA MASYARAKAT MELAYU DALAM PERSPEKTIF EKONOMI ISLAM NUR AZLINA; SITI ASIAM
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 6, No 1 (2021): Januari - Juni 2021
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v6i1.372

Penelitian ini bertujuan untuk mengetahui tinjauan ekonomi Islam terhadap praktik Jula-jula Kurban masyarakat melayu. Adapun manfaat penelitian ini adalah diharapkan dapat memberikan sumbangan pemikiran kepada masyarakat luas tentang tinjauan ekonomi Islam terhadap praktik jula- jula kurban di Kecamatan Bantan. Penelitian ini merupakan penelitian kualitatif dengan sumber data didapatkan dari wawancara dan observasi. Wawancara dilakukan terhadap pengurus dan anggota jula-jula kurban. Hasil peneltian menunjukkan bahwa pelaksanaan jula-jula dilakukan dengan sukarela dan tanpa paksaan. Dalam tinjauan secara menyeluruh pelaksanaan jula-jula kurban di Kecamatan Bantan sudah sesuai dengan prinsip ekonomi Islam, Tauhid, keadilan, Nubuwwah, khilafah, dan Ma’ad.

Implementasi Akad Qard sebagai Akad Tabarru’ dalam Perbankan Syariah: Indonesia Nur Azlina; Cholil Nafis
Tasharruf : Journal of Islamic Economics and Business Vol. 4 No. 1 (2023): Mei
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v4i1.246

Artikel ini bertujuan untuk mengetahui bagaimana implementasi akad qardh sebagai akad tabarru’ dalam perbankan syariah. Tujuan penelitian ini adalah untuk menganalisis pelaksanaan akad Qard di bank syariah. Metode penelitian yang digunakan dalam penelitian ini adalah metode kualitatif. Metode kualitatif ini muncul karena terjadi perubahan paradigma dalam memandang suatu realitas. Dalam penelitian kualitatif, peneliti menggunakan pendekatan library research yakni penelitian yang obyek kajiannya menggunakan data pustaka berupa buku-buku sebagai sumber datanya, membaca, menelaah, dan menganalisis berbagai literatur yang ada, berupa alquran, hadits, kitab, maupun hasil penelitian. Hasil penelitian menunjukan bahwa akad tabarru’ adalah segala macam perjanjian yang menyangkut non profit transaction (transaksi nirlaba) dan akad qardh merupakan salah satu dari akad tabbaru, dimana karakteristiknya pada akad qardh tersebut adalah mengenai pinjam meminjam yang menitikberatkan pada sikap tolong menolong dan jenis akad qardh dimana ia tidak mencari keuntungan. Dalam praktiknya pada perbankan syariah ada dikenal namanya biaya, jadi tambahan untuk biaya seperti biaya administrasi, biaya materai, ini diperbolehkan.

Analysis of Savings and Loan Practices of Women's Groups of National Madani Capital Mekar Syariah at the Bengkalis Branch Office in a Review of Islamic Economics Irzan Surohman; Nur Azlina; Nur Indira; Irda Listiawati; Disti Marta Rini; Zulfikar Hasan
West Science Journal Economic and Entrepreneurship Vol. 1 No. 05 (2023): West Science Journal Economic and Entrepreneurship
Publisher : Westscience Press

The purpose of this research is to find out how savings and loan practices are carried out at Civil National Capital. This type of research is field research conducted to explore data obtained from the location or research field. This research is classified as a qualitative research using a qualitative descriptive approach. The population in this study were members of national civil capital customers and the sampling technique was purposive sampling with certain criteria in selecting the sample to achieve the research objectives. The research was made up of 10 members of the Gg Kundur women's group. The results of the study show that with this loan the customer is greatly assisted in running his business.

Determinan Profil Risiko Terhadap Performance Bank Pembiayaan Rakyat Syariah Di Provinsi Sumatera Barat Nur Azlina; Husni Shabri; Ibnu Qizam
Al-bank: Journal of Islamic Banking and Finance Vol 3, No 2 (2023): July - Desember 2023
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v3i2.9169

This study aims to analyze the effect of risk profile on the performance of Islamic Rural Bank (BPRS) in West Sumatra Province. This type of research is a field research with a quantitative approach. The samples in the study were seven BPRS in West Sumatra Province that have been operating sharia since 2019. Secondary data in the form of annual financial statements of each BPRS for the period 2019-2022. The analysis technique used panel data regression. The results showed that the credit risk profile using the Non Performing Financing ratio and liquidity risk using the Financing to Deposit Ratio partially had no significant effect on the performance of BPRS as measured using the Return on Asset ratio. However, both risk profiles simultaneously have a significant effect on the performance of BPRS with a coefficient of determination of 96%. The practical implication of this research is that credit risk and liquidity risk must be managed simultaneously, including other risks faced by banks because they have a very strong influence on bank performance.

Urgensi Sosialisasi Produk Akad Perbankan Syariah terhadap Masyarakat di Kabupaten Bengkalis (Studi Kasus Bank Syariah Mandiri KCP Bengkalis) Nur Azlina
Akademika: Jurnal Keagamaan dan Pendidikan Vol. 17 No. 1 (2021): Akademika: Jurnal Keagamaan dan Pendidikan | Juni 2021
Publisher : STAIN Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56633/jkp.v17i1.209

This study aims to determine the urgency of socialization of the contract of the Syariah Bank Mandiri Branch Office to The Community in Bengkalis Regency. This type of research is a qualitative descriptive approach, namely research that seeks to provide a detailed and in-depth description of the object under study. Data collection techniques from documentation, observation and interviews with the leaders and financing analysts of KCP BSM Bengkalis. From the presentation of the data, it can be concluded that there has been socialization carried out by BSM to provide literacy of the public regarding the presence of sharia banking and contract products applied by BSM to customers through brochures provided by BSM to mosque administrators and educational institutions around Bengalis district.

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