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EFEKTIVITAS PERAN MANAJER DALAM MENGELOLAPEMBIAYAAN MUDHARABAH PADA BANK DANAMON SYARIAH CABANG CIREBON Fatmasari, Dewi; Aziz, Abdul; Damayanti, Sisca; Harjadi, Dikdik
Indonesian Journal of Strategic Management Vol 1, No 2 (2018)
Publisher : Universitas Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25134/ijsm.v1i2.1388

Abstract

 ABSTRACT The success of sharia banks in the channeling of funds is very important from the quality of management and human resources of the bank in doing the work, financial condition and ability to pay from customers. This is done with the role of effective managers in managing banking projects. At Bank Danamon Syariah, a manager has done a good job, but still has not achieved the profit still run by Bank Danamon Syariah. The problem to be studied is about how to star in Bank Danamon Syariah Branch Cirebon in managing mudaraba, how to role and responsibility in managing mudharabah financing in Bank Danamon Syariah Branch Cirebon, and is there any foundation made by Bank Danamon Syariah Branch Cirebon in managing mudaraba and how to break it.The research method used is a qualitative method that uses descriptive data and written with information from people involved in the object. Sources of data used are primary data and secondary data, primary data in this study is Bank Danamon Syariah Branch Cirebon, while secondary data in this study are books and others that exist in accordance with the theme of this study. Techniques of data collection using participative techniques, interviews and documentation. Data analysis techniques use data reduction, data presentation and verification (inference).From the results of the above research can be obtained effective results in managing mudharabah financing at Bank Danamon Syariah Branch Cirebon quite effective for example can be seen from the target market planned, using the principle of prudence, and also can be seen from Bank Danamon Syariah Branch Cirebon by the community around and the achievement of targets both in funding and loans. Can do the simplification with the role in mudharabah financing is quite effective and mudharabah financing only runs one year.  Keywords: Manager's Role Effectiveness, Mudharabah Financing, Bank Danamon Syariah Branch Cirebon. ABSTRAK Keberhasilan suatu bank syariah dalam penyaluran dana terutama sangat tergantung dari kualitas manajemen dan sumber daya insani bank dalam melakukan   penilaian   prospek   usaha,   kondisi   keuangan   serta   kemampuan Kmebdmbayar dari nasabah.   Hal ini berkaitan dengan peran manajer yang efektif dalam mengelola kegiatan pembiayaan dalam sebuah perbankan. Pada Bank Danamon  Syariah,  seorang  manajer  telah  menjalankan  tugasnya  dengan  baik, tetapi masih belum sepenuhnya efektif dikarenakan masih sedikitnya pembiayaan yang dijalankan oleh Bank Danamon Syariah. Permasalahan yang akan diteliti adalah tentang bagaimana starategi yang digunakan pada Bank Danamon Syariah Cabang   Cirebon   dalam   mengelola   pembiayaan   mudharabah,   bagaimana efektivitas peran manajer dan tanggungjawabnya dalam mengelola pembiayaan mudharabah di Bank Danamon Syariah Cabang Cirebon, serta adakah kendala- kendala yang dihadapi oleh Bank Danamon Syariah Cabang Cirebon dalam mengelola pembiayaan mudharabah dan cara mengatasi kendala tersebut.Metode penelitian yang digunakan adalah metode kualitatif yang menggunakan  data  deskriptif  dan  tertulis  dengan  informasi  dari  orang  yang terlibat dalam objek. Sumber data yang digunakan adalah data primer dan data sekunder, data primer dalam penelitian ini adalah manajer Bank Danamon Syariah Cabang Cirebon, sedangkan data sekunder dalam penelitian ini adalah buku dan sumber lainnya yang ada hubungannya dengan tema penelitian ini. Teknik pengumpulan data menggunakan teknik observasi partisipatif, wawancara mendalam dan dokumentasi. Teknik analisis data menggunakan reduksi data, penyajian data dan verifikasi (penarikan kesimpulan).Dari  hasil  penelitian  diatas  dapat  diketahui  bahwa  efektivitas  peran manajer dalam mengelola pembiayaan mudharabah  pada Bank Danamon Syariah Cabang Cirebon cukup efektif yaitu bisa dilihat dari target market yang terencana, menggunakan prinsip kehati-hatian, serta terlihat dari bisa diterimanya Bank Danamon Syariah Cabang Cirebon oleh komunitas sekitar dan tercapainya target baik secara funding maupun lending. Sehingga dapat penulis simpulkan bahwa peran manajer dalam mengelola pembiayaan mudharabah cukup efektifdan pembiayaan mudharabah baru berjalan satu tahun.  Kata  Kunci:  Efektivitas Peran  Manajer,  Pembiayaan  Mudharabah,  Bank  Danamon Syariah Cabang Cirebon.
PEMBIAYAAN QARDH AL-HASAN DALAM MENINGKATKANPRODUKTIVITAS USAHA KECIL NASABAH Dewi Fatmasari, Dini Widyaningsih
Jurnal Riset Keuangan dan Akuntansi Vol 3, No 1 (2017): Jurnal Riset Keuangan dan Akuntansi (JRKA)
Publisher : Program Studi Akuntansi, Universitas Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25134/jrka.v3i1.461

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BMT merupakan salah satu lembaga keuangan syariah yang secara  konseptual memberikan dampak yang begitu besar  bagi para pengusaha kecil. Lembaga keuangan ini secara signifikan memberdayakan masyarakat kelas paling bawah. Pembiayaan qardh al-hasanmerupakan salah satu pembiayaan yang ada di BMT dengan prinsip pinjaman sosial,yangmerupakan pinjaman murni tanpa adanya biaya tambahan.  Oleh karena itu dengan adanya pembiayaan qardh al-hasan diharapkanakan mampu membantu para usaha kecil dalam meningkatkan produktivitas usahanya.
Pengaruh Persepsi Harga, Kepercayaan dan Promosi Terhadap Minat Beli pada Situs E – Commerce Blibli (Survei Pada Pengguna Situs E-Commerce Blibli di Kabupaten Kuningan) Gunawan, Wely Hadi; Hardiansyah, Indra; Fatmasari, Dewi
Indonesian Journal of Strategic Management Vol 5, No 1 (2022): Indonesian Journal of Strategic Management
Publisher : Universitas Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25134/ijsm.v5i1.5754

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This research was conducted on BliBli E-commerce Site Users in Kuningan Regency. The purpose of this study was to determine the perception of price, trust and promotion of buying interest (Survey of BliBli E-commerce Site Users in Kuningan Regency). The population in this study were 100 respondents, the sampling technique used was purposive sampling, the data collection method used a questionnaire, the data analysis technique used in this study was multiple linear regression analysis. The results of the test state that : Price perception has a positive and significant effect on buying interest, trust has a positive effect on buying interest, promotion has a positive effect on buying interest.
ANALISIS FAKTOR FAKTOR YANG MEMPENGARUHI MINAT MAHASISWA DALAM PENGGUNAAN APMK Dewi Fatmasari; Sri Wulandari
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 4, No 1 (2016)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (83.91 KB) | DOI: 10.24235/jm.v4i1.756

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AbstrakPerkembangan teknologi informasi saat ini mendorong sektor perbankan atau non bank untuk semakin inovatif dalam menyediakan berbagai alternatif jasa pembayaran berbasis non tunai berupa sistem transfer antar bank ataupun transfer intra bank melalui jaringan internal bank sendiri dan alat pembayaran menggunakan kartu elektronis (electronic card payment) yang aman, cepat dan efisien, serta bersifat global, misalnya dengan menggunakan fasilitas APMK (Alat Pembayaran dengan Menggunakan Kartu). Tingginya penggunaan APMK di Indonesia khususnya dikalangan mahasiswa jurusan Muamalah Fakultas Syariah dan Ekonomi Islam IAIN Syekh Nurjati Cirebon mendorong penulis untuk meneliti faktor – faktor yang mempengaruhi minat dalam penggunaan APMK dikalangan mahasiswa.Penelitian ini mengintegrasikan Technology Acceptance Model (TAM) dan Theory of Planned Behavior (TPB) untuk meneliti faktor-faktor yang mempengaruhi minat dalam penggunaan APMK.Dalam penelitian ini penulis menggunakan jenis penelitian kuantitatif dengan menggunakan sumber data primer yang didapatkan dari hasil penyebaran kuesioner kepada 83 mahasiswa Jurusan Muamalah sebagai objek penelitian. Teknik analisis yang digunakan adalah regresi linear berganda dan uji hipotesis dengan Uji F dan uji t, serta analisis koefisien determinasi(R2).Hasil analisis penelitian menyebutkan bahwa seluruh variabel independen yaitu persepsi kemudahan, persepsi manfaat, sikap, persepsi kontrol perilaku dan norma subjektif secara bersama-sama mempunyai pengaruh positif dan signifikan terhadap minat dalam penggunaan APMK. Adapun secara parsial variabel yang memiliki pengaruh positif signifikan terhadap minat dalam penggunaan APMK adalah persepsi manfaat (Perceived Usefulness), sikap (Attitude) dan norma subjektif (Subjective Norms). Adapun koefisien determinasi (R Square) sebesar 0,557 yang artinya seluruh variabel bebas yakni persepsi kemudahan (X1), persepsi manfaat (X2), sikap (X3), persepsi kontrol perilaku (X4) dan norma subjektif (X5) mempunyai kontribusi secara bersama-sama sebesar 55,7% terhadap variabel terikat (Y) yakni minat dalam penggunaan APMK. Sisanya sebesar 44,3% dipengaruhi oleh faktor-faktor lain yang tidak masuk dalam penelitian.   Kata Kunci: APMK, Technology Acceptance Model (TAM), Theory of Planned Behavior (TPB), minat, persepsi     Abstract The development of information technology is encouraging the bank or non-bank to getting more innovative to provide a variety of alternative service payments based on non cash in the form of transfer system between bank or transfer of intra bank through a network of internal bank and electronic card payment are safe, quick and efficient, as well as global, for example by using the facilities APMK (Alat Pembayaran dengan Menggunakan Kartu). It's the use of APMK in Indonesia, particularly among students majoring in Muamalah of the Faculty of Sharia and Islamic Economics IAIN Syekh Nurjati of Cirebon encouraging authors to examine factors that affect intention in the use of APMK among students. The research is to integrate Technology Acceptance Model (TAM) and Theory of Planned Behavior (TPB) to examine factors that affect intention in the use of APMK. In this research authors using type of quantitative research to use data primary from the results of the spread of a questionnaire to 83 students as the object of research. The analysis used are the regression of the linear and hypothesis test with F test, T test, as well as analysis coefficient of determination (R2).The results of the analysis says that all the variables are independent, which is perceived ease of use, perceived usefulness, attitude, perceived of control behavior and subjective norms also jointly have a positive influence and significantly affect intention in the use of APMK. As for the partial variables have a positive influence significantly to an intention in the use of APMK is the perceived usefulness, Attitude and subjective norms. The coefficient of determination (R Square) as much as 0,557, which means all the variables are independent to perceived ease of use (X1), perceived usefulness (X2), attitude (X3), perceived of control behavior (X4) and subjective norms (X5) have contributed jointly by 55, 7 % of variables are dependent (Y) the intention in the use of APMK. The remaining 44, 3 % affected by other factors that are not included in research. Keyword :APMK, Technology Acceptance Model (TAM), Theory of Planned Behavior (TPB), intention, perceived.  
KONTRAK KERJASAMA DAN BAGI HASIL BISNIS FRANCHISE AGEN TIKI SUMBER KABUPATEN CIREBON DALAM PERSPEKTIF HUKUM EKONOMI ISLAM Kohari Amaludin; Dewi Fatmasari; Abdul Fatakh
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 4, No 1 (2019)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (540.222 KB) | DOI: 10.24235/jm.v4i1.4992

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AbstractAccording to Indonesian Government Law, the franchise is an agreement which is given the right to use and or use Intellectual Property Rights or a meeting of business characteristics owned by another party with a reward based on the conditions stipulated by the other party in the context of providing and or selling goods and services. The method was proposed in this study is a qualitative method to utilize a legal perspective approach to Islamic Economics. Data collection techniques were conducted, namely observation, interviews and documentation. As the results of this study were concluded, the cooperation contract used by PT. TIKI with the TIKI Agent Source complies with Article 54 of Law No. 13 of 2003 concerning employment. The profit sharing system used by PT. TIKI with TIKI Source Agent uses a 75% percentage share (PT. TIKI): 25% (TIKI Agent). While the collaboration system used by PT. TIKI with the TIKI Source Agent is using the Musyarakah cooperation system.Keywords: Franchising, Cooperation Contracts, and Revenue Sharing. AbstrakMenurut Hukum Pemerintah Indonesia franchise adalah perikatan yang salah satu pihaknya diberikan hak memanfaatkan dan atau menggunakan Hak dari Kekayaan Intelektual atau pertemuan dari ciri khas usaha yang dimiliki pihak lain dengan suatu imbalan berdasarkan persyaratan yang ditetapkan oleh pihak lain tersebut dalam rangka penyediaan dan atau penjualan barang dan jasa. Metode yang digunakan dalam penelitian ini adalah kualitatif dengan memanfaatkan pendekatan perspektif hukum Ekonomi Islam. Teknik pengumpulan data yang dilakukan, yaitu observasi, wawancara dan dokumentasi. Hasil penelitian ini menyimpulkan, Kontrak kerjasama yang digunakan oleh PT. TIKI dengan Agen TIKI Sumber, telah sesuai dan memenuhi pasal 54 UU No. 13 tahun 2003 tentang ketenagakerjaan. Sistem bagi hasil yang digunakan oleh PT. TIKI dengan Agen TIKI Sumber menggunakan pembagian prosentase 75% (PT. TIKI): 25% (Agen TIKI).  Sedangkan sistem kerjasama yang digunakan oleh PT. TIKI dengan Agen TIKI Sumber adalah menggunakan sistem kerjasama musyarakah inân.Kata Kunci: Waralaba, Kontrak Kerjasama, dan Bagi Hasil.
PEMBIAYAAN MUDHARABAH TERHADAP RETURN ON INVESTMENT: Studi Kasus pada Bank Mandiri Syariah Kuningan Dewi Fatmasari; Rita Kusumadewi; Indri Nur Oktavianti
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 2, No 2 (2017)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (502.558 KB) | DOI: 10.24235/jm.v2i2.2159

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Abstract The purpose of this study to determine how much revenue Mudharabah, to determine the level of return on investment, and to know how big the influence of financing on the return on investment from year to year for the last 7 years.This study uses a quantitative descriptive approach. The object of this study is the Bank Syariah Mandiri Kuningan. This type of research is a study that used the figure, from the collection of data, the interpretation of such data, as well as the appearance of the results. Quantitative research was also accompanied by tables, graphs, charts, drawings or other views. Based on the results of research that assisted with SPSS 21.0, using Simple Linear Regression to produce Y = -1232 + 0,554X interpreted in a positive relationship between financing is the return on investment, with a correlation of 0.703, which means a very strong relationship, and the coefficient of determination 0.494 which means the effect of financing the return on invesment is 49.4% while the remaining 50.6% is influenced by other factors not examined in this study. Keywords: Mudharabah, Return On Investment, Islamic Banking. Abstrak Tujuan penelitian ini untuk mengetahui seberapa besar pendapatan bagi hasil pembiayaan mudharabah, untuk mengetahui tingkat return on investment, dan untuk mengetahui seberapa besar pengaruh pembiayaan mudharabah terhadap return on investment dari tahun ke tahunnya selama 7 tahun terakhir. Penelitian ini menggunakan pendekatan deskriptif kuantitatif. Objek penelitian ini yaitu pada Bank Syariah Mandiri Kuningan. Jenis penelitian yang digunakan merupakan penelitian yang menggunakan angka, mulai dari pengumpulan data, penafsiran terhadap data tersebut, serta penampilan dari hasilnya. Penelitian kuantitatif juga disertai dengan tabel, grafik, bagan, gambar atau tampilan lain. Berdasarkan hasil penelitian yang dibantu dengan program SPSS 21.0, dengan menggunakan uji Regresi Linier Sederhana dengan menghasilkan Y = -1.232+0,554X diinterpretasikan adanya hubungan positif antara pembiayaan mudharabah dengan return on investment, dengan korelasi sebesar 0,703 yang berarti hubungannya sangat kuat, dan koefisien determinasi 0,494 yang dapat diartikan pengaruh pembiayaan mudharabah terhadap return on investent adalah 49,4% sedangkan sisanya sebesar 50,6% dipengaruhi oleh faktor lain yang tidak diteliti dalam penelitian ini. Kata Kunci: Mudharabah, Return On Investment, Bank Syariah.
THE ROLE OF ATMOSPHERE STORE AND HEDONIC SHOPPING MOTIVATION IN IMPULSIVE BUYING BEHAVIOR Dikdik Harjadi; Iqbal Arraniri; Dewi Fatmasari
Jurnal Riset Bisnis dan Manajemen Vol. 14 No. 2 (2021): August Edition
Publisher : Faculty of Economic and Business, University of Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jrbm.v14i2.3933

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The purpose of this study would be to see how certain variables, such as Store Atmosphere and Hedonic Shopping Motivation, influenced impulse purchases. There are some linear regression models used. The authentication function’s goal is to determine the validity of such a hypothesis, which also is achieved by collecting data from its surrounding region. The purposive method is a strategy that is related to specific criteria, and the sample throughout this study was made up of buyers from modern retail outlets within Kuningan Regency. There were just as many about 96 people who took part in the study. The amount was rounded towards 100 participants to make work successful. The environment of modern major retailers and hedonic shopping motivation does have a positive impact on impulse buying.
Implementation of Integrated Marketing Communication in Image of Private Higher Education Dikdik Harjadi; Dewi Fatmasari
TRIKONOMIKA Vol 16 No 2 (2017): December Edition
Publisher : Faculty of Economics and Business, University of Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (271.538 KB) | DOI: 10.23969/trikonomika.v16i2.638

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This study aimed to examine the implementation of integrated marketing communication conducted by private universities in Kuningan Regency and analyze the influence of integrated marketing communication performance which includes advertising, sales promotion, personal selling, public relation, and direct marketing on private university image. The method used was descriptive and verificative method conducted by collecting primary data in the field from private university students in Kuningan Regency. Based on the results of data processing and hypothesis testing, it was known that integrated marketing communication consisting of advertising, personal selling, sales promotion, public relation, and direct marketing simultaneously and partially had a positive and significant impact on private university image. The simultaneous influence is 38.7%, which meant there was still much influence outside the implementation of integrated marketing communication that affected private university image. The biggest influence was sales promotion.
ERROR CORRECTION MODEL APPROACH AS A DETERMINANT OF STOCK PRICES Dewi Fatmasari; Dikdik Harjadi; Amir Hamzah
TRIKONOMIKA Vol 21 No 2 (2022): December Edition
Publisher : Faculty of Economics and Business, University of Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (312.448 KB) | DOI: 10.23969/trikonomika.v21i2.6968

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The short-term and long-term effects of ROI, EPS, PER Inflation, SBI, Exchange Rate, and GDP on the stock price are the focus of this study. The study's data came from company financial statements, including the Indonesian Stock Exchange Index LQ45. The stationarity test, the classical assumptions test, the cointegration test, and the error correction model test was utilized in this study's statistical analysis. KURS and SBI had a positive effect on stock prices in the short term, but there is no effect in the long term, and inflation and GDP do not affect the stock price both in the short term and in the long term, according to this study. As a result, investors and businesses can use this study's contribution as a point of reference when considering factors that have a short-term and long-term impact on stock prices.
VALUASI EKONOMI PADA KAWASAN DESTINASI WISATA ALAM CIBULAN KABUPATEN KUNINGAN PERSPEKTIF MAQASHID SYARIAH Dewi Fatmasari; Hafni Khairunnisa; Yati Haryati
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 8, No 1 (2023)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v8i1.10949

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AbstractThe increase in the number of tourists is directly proportional to the impact of the damage. To minimize the impact of tourism, an economic valuation of natural tourist destinations is needed to obtain additional economic benefits for conservation. Economic valuation is carried out using the Travel Cost Method. The purpose of this study is to analyze the factors that influence the willingness to pay tourists at the Cibulan Nature Tourism Destination and to estimate the economic value of the Cibulan Nature Tourism Destination using the Travel Cost Method. The research method used is descriptive quantitative with data analysis techniques in the form of multiple linear regression analysis, travel cost method, and consumer surplus. The results showed that travel cost, age, distance, and facilities had a significant influence on the level of visits to Cibulan tourism objects, while income and education did not have a significant influence on the level of visits to Cibulan attractions. The total economic value obtained is Rp. 148,157,850,203 per year. Willingness to pay following Maqashid Sharia and bring benefits to the community.Keywords: Economic Valuation; Travel Cost Method; Consumer Surplus.
Co-Authors A.A. Ketut Agung Cahyawan W Aan Jaelani Abdul Aziz Abdul Aziz Abdul Fatakh Abdul Kholik Achmad Rondi Agustien Zulaidah Agustinus Dk Nugrahaning Gusti Aini , Nur Alvitasari, Lia Amir Hamzah Anah Hasanah Apriliyani, Feni Aqila, Zakiya Nada Ayu Siti Nurhasanah Azizan Sentosah Hutabarat Cicik Harini, Cicik Harini Dheasey Amboningtyas Dimas Fadilah Dini Fitria R Dinningthias, Desih Dyah Ika Kirana Jalantina Eva Pelitawati Fanther, Refaldo Farendra, Denny Febiana, Via Frastiyono, Arjun Futihah, Futihah Hafni Khairunnisa Hardiansyah, Indra Harini, Cicik Harjadi, Dikdik Hayatun Nufus Hidayat, Abas Hikmah , Nur Human Hanif, Sofi Ilham Hudi Aim Abdulkarim Kokom Komalasari, Ilham Hudi Aim Abdulkarim Indri Nur Oktavianti Iqbal Arraniri Irsad Jaelani Jaelani Juliani, Retno Djohar Khaerunisa, Ayu Kohari Amaludin Komalasari, Asni Kusumadewi, Rita Liana Dewi Saraswati Mahilda, Gita Mahsyar, Januar Habibi Makmuri Ahdi Maria Magdalena Minarsih Muhamad Muztahidin Munajat, Ma'mur Nakhwatunnisa, Haulah Nanda Fajarwati Natulisiya, Resa Uni Nur Eka Setiowati, Nur Eka Poni Purwati Pramesti, Ginna Novarianti Dwi Putri Praptono, Sri Pratama, Reza Rafly Aditya Mukti Raihan Yahya Ismail raptono, Sri Ravindran, Kirutikha Rekno Djohar Juliani Retno Djohar Juliani Rhawil Wahid, Ray Febisyah Rina Masrurah Rina Widayanti Rosdita Siahaan, Kartika Anggreany Sinta Petri Lestari Sinta Petri Lestari Siregar, Ahlun Nazi Siswahyudianto Siti Nurfadilah Sri Praptono Sri Wulan, Sri SRI WULANDARI Syaeful Bakhri Toto Suharto Ulfah, Mariyah Ummah, Gabriel Rosyidatul Varisa Munatasya Via Febiana Wely Hadi Gunawan Wulan, Heru Sri Yati Haryati Yati Haryati