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Perbandingan Kinerja Bank Pembiayaan Rakyat Syariah dan Bank Perkreditan Rakyat di Indonesia Aniesatun Nurul Aliefah; Lilis Renfiana
Al-bank: Journal of Islamic Banking and Finance Vol 1, No 2 (2021): July - Desember 2021
Publisher : IAIN Batusangkar

The purpose of this study is to compare the performance of The Conventional Rural Bank (BPR) and Islamic Rural Bank (BPRS) in Indonesia using the REC method which consists of a risk profile, earnings, and capital during the 2015-2017 period. The risk profile factor is represented by the NPF indicator, income is represented by ROA and capital is represented by CAR. By using the purposive sampling method, as many as 43 Islamic Rural Bank (BPRS) and 63 Conventional Rural Bank (BPR) were obtained from secondary data sourced from annual financial reports published on the bank's official website. The analysis technique was then carried out using the Mann-Whitney-U test to compare the performance of the two banks. The results of this study indicate that there is a significant difference in NPF between the two banks at a significance level of 0.006; There is no significant difference in ROA and CAR between Islamic general financing banks and rural credit banks in Indonesia at the ROA significance level of 0.070 and CAR 0.239, respectively. The implication of this research implies that the performance of Islamic BPRs still has a great opportunity to develop in the future and is a big challenge, especially for the management of Indonesian Islamic BPRs and the central bank (Bank Indonesia) as a bank. regulators.

Pemberdayaan Ekonomi Melalui Integrated Farming di dalam Pondok Pesantren Nasyrul ‘Ulum Akbar Setia Budi; Andri Juniarta; Asta Gilang Patria; Lilis Renfiana
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 1 No. 6 (2023): Desember : SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v1i6.209

As a religious institution, Islamic boarding schools have enormous potential in advancing prosperity and economic development. They also have a significant impact on the daily lives of the students who attend. Therefore, the Nasyrul 'Ulum Islamic boarding school which is located at Tempuran 12a Central Lampung created an integrated agricultural business unit to advance its welfare and economic development. The purpose of this research is to describe and evaluate the following things: the steps in establishing an integrated agricultural business unit (IFB) in Islamic boarding schools, the business unit carried out is catfish cultivation, where waste from food or leftovers from students is made into catfish feed and catfish wastewater are used as organic plant fertilizer; the results of this process for the economy of these schools; and factors that facilitate or hinder the growth of the Islamic boarding school economic trend. Researchers use a qualitative approach to answer the problem formulation. Research findings show that the Islamic boarding school's efforts to develop its economy through integrated agricultural business units have succeeded in increasing the boarding school's income and creating jobs for the community around the boarding school and especially alumni of the Nasyrul 'Ulum Islamic boarding school and how many jobs are available in accordance with the amount of effort made, source available resources, and the extent to which the community is involved in the program. Apart from creating jobs, it can also increase the knowledge, skills and experience of both local communities and students in the agricultural sector. Especially in the field of fisheries cultivation.

Analisis Kualitas Pelayanan Dalam Meningkatkan Minat Beli Konsumen Ditinjau Dari Perspektif Etika Bisnis Islam Anita Sari; Lilis Renfiana
Budgeting: Jurnal Akuntansi Syariah Vol 4 No 2 (2023): Budgeting: Jurnal Akuntansi Syariah, Desember 2023
Publisher : PROGRAM STUDI AKUNTANSI SYARIAH FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/bdg.v4i2.3666

Service quality is a strategy that can be implemented to realize desires and hopes so that satisfaction will be created for consumers. If the service quality of a business unit is good, then consumer interest in coming to that place will increase. High consumer buying interest will have a positive impact on business efforts to achieve success. In business, humans are given the freedom to seek maximum profit. However, humans are also bound by ethics so they are not absolutely free in managing and using existing resources. Islam teaches its followers that every business action they take is always guided by Islamic business ethics. This research is descriptive qualitative in nature using interview, documentation and observation data collection techniques. In this case, interviews were conducted with the owner of Ayam Geprek, employees and several consumers. Based on the results of the research and discussion in this thesis, it can be seen that the quality of service provided by Ayam Geprek Agan 24 increases consumer buying interest by 100% for transactional interest, 50% for referral interest, and 0% for preferential interest. Then the quality of service provided by Ayam Geprek 3 Saudara R.A.P increases consumer buying interest by 100% for transactional interest, 40% for referral interest, and 0% for preferential interest. Meanwhile, the quality of service viewed from the perspective of Islamic business ethics at Ayam Geprek Agan 24 is in accordance with the principles of balance/fairness, free will, responsibility and ihsan. However, there is one principle that is not appropriate, namely the principle of unity/tawhid. Then the quality of service is reviewed from the perspective of Islamic business ethics at Ayam Geprek 3 Saudara R.A.P in accordance with the principles of will, responsibility and ihsan. However, according to the principle of balance/fairness, there are still employees who do not comply, such as not smiling and greeting all consumers. Apart from that, the principle that is not in accordance with Islamic business ethics is unity/tawhid.

Perbandingan Kinerja Bank Pembiayaan Rakyat Syariah dan Bank Perkreditan Rakyat di Indonesia Aniesatun Nurul Aliefah; Lilis Renfiana
Al-bank: Journal of Islamic Banking and Finance Vol 1, No 2 (2021): July - Desember 2021
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v1i2.4262

The purpose of this study is to compare the performance of The Conventional Rural Bank (BPR) and Islamic Rural Bank (BPRS) in Indonesia using the REC method which consists of a risk profile, earnings, and capital during the 2015-2017 period. The risk profile factor is represented by the NPF indicator, income is represented by ROA and capital is represented by CAR. By using the purposive sampling method, as many as 43 Islamic Rural Bank (BPRS) and 63 Conventional Rural Bank (BPR) were obtained from secondary data sourced from annual financial reports published on the bank's official website. The analysis technique was then carried out using the Mann-Whitney-U test to compare the performance of the two banks. The results of this study indicate that there is a significant difference in NPF between the two banks at a significance level of 0.006; There is no significant difference in ROA and CAR between Islamic general financing banks and rural credit banks in Indonesia at the ROA significance level of 0.070 and CAR 0.239, respectively. The implication of this research implies that the performance of Islamic BPRs still has a great opportunity to develop in the future and is a big challenge, especially for the management of Indonesian Islamic BPRs and the central bank (Bank Indonesia) as a bank. regulators.

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