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ANALISIS PENGUJIAN KELAYAKAN PEMBIAYAAN BAIâ€™ BITSAMAN AJIL DALAM MEREDUKSI TINGKAT PEMBIAYAAN BERMASALAH PADA BAITUL QIRADH BAITURRAHMAN BAZNAS MADANI Rafiza Zuliani
Share: Jurnal Ekonomi dan Keuangan Islam Vol 3, No 2 (2014)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

This research aims to find the Standard Operating Procedure (SOP) of Baitul Qiradh Baiturrahman Baznas Madani in the assessment process of Bai' Bitsaman Ajil financing and its influence in reducing the non-performing financing. The research employed descriptive analysis method in which the data presented systematically, factually and accurately into a research report. The sources of data obtained through the research literature by examining and studying various related literatures. Data was gathered through interview and documentation study. The findings showed that the Baitul Qiradh did not fully execute the procedure in accordance with the predefined SOP as the differences was still be found. In assessment of the prospective customers for the financing, Baitul Qiradh utilized the principle of 5C + 1C, namely character, capacity, capital, collateral, condition of economy, and constraint. In addition, the assessment was also include the aspects of judicial, market and marketing, technical, financial, assurance and management. The assessment has significantly reduced the number of non-performing financing at the Baitul Qiradh. =========================================== Penelitian ini bertujuan untuk mencari jawaban terhadap Standar Operasional Prosedur (SOP) Baitul Qiradh Baiturrahman Baznas Madani dalam proses pengujian kelayakan yang dilakukan pada pemohon pembiayaan baiâ€™ bitsaman ajil dan pengaruhnya terhadap jumlah pembiayaan bermasalah. Metode yang digunakan adalah metode deskriptif dengan cara mencari fakta-fakta yang kemudian dianalisa dan dipaparkan secara sistematis, faktual dan akurat dalam bentuk laporan penelitian. Sumber data diperoleh melalui penelitian kepustakaan, yaitu dengan menelaah dan mempelajari berbagai referensi yang berhubungan dengan judul seperti dari buku dan laporan Baitul Qiradh. Serta melalui penelitian lapangan, yaitu dengan melakukan wawancara dan memperoleh data dokumentasi. Hasil penelitian menunjukkan bahwa Baitul Qiradh Baiturrahman Baznas Madani tidak sepenuhnya menjalankan SOP yang telah ditetapkan karena ada perbedaan pada praktiknya. Dalam melakukan pengujian kelayakan terhadap calon nasabahnya yang memohon pembiayaan, Baitul Qiradh menggunakan prinsip 5C+1C, yaitu character, capacity, capital, collateral, condition of economy, dan constraint serta menilai aspek yuridis, aspek pasar dan pemasaran, aspek teknis, aspek keuangan, aspek jaminan dan aspek manajemen. Pengaruh pengujian kelayakan tersebut sangat besar dalam mereduksi pembiayaan bermasalah pada Baitul Qiradh.

Sosialisasi Penggunaan Teknologi Produksi dan Pemasaran Terasi Berdaya Saing Nasional Pada Masyarakat Desa Kuala Penaga Aceh Tamiang Agustinar; Rafiza Zuliani; Suyani suryani
Malik Al-Shalih : Jurnal Pengabdian Masyarakat Vol. 2 No. 1 (2023): Malik Al-Shalih: Jurnal Pengabdian Masyarakat
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/malikalshalih.v2i1.1781

The process of making shrimp paste in the people of Kuala Peunaga Village still uses a manual process with very minimal output, unattractive packaging and the marketing process still uses traditional methods, namely direct marketing and mouth to mouth so that the production of shrimp paste in the village has not been touched by the outside community is a problem that drives the existence of socialization activities in the form of this service. This activity aims to provide educational knowledge about the importance of using modern technology in the shrimp paste production process and marketing through digital media by utilizing social media. The implementation method is by outreach to the community starting with observation, implementation of activities, monitoring and evaluation as well as ongoing support. After the implementation of this activity, the community is very enthusiastic about using modern technology and will promote their products by digitalization or through social media. This socialization is also highly expected by the community so that later there will be special training and assistance to develop the shrimp paste business of the people of Kuala Peunaga Village into a nationally competitive product.

Analysis Of Public Perceptions of Online Zakat Payments Through the Bank Syariah Indonesia Mobile Application Zuliani, Rafiza; Bayduri, Intan; Agustinar, Agustinar; Kamal, Safwan; Kumalahayati, Nur
Journal of Contemporary Applied Islamic Philanthropy Vol. 2 No. 1 (2024): JCAIP
Publisher : Nuban Jagadhita Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62265/jcaip.v2i1.56

Purpose: This study aims to determine the online zakat payment procedures in the Bank Syariah Indonesia Mobile application and public perceptions and constraints related to online zakat payments through the Bank Syariah Indonesia Mobile application. Methodology: The method used is a qualitative approach. Data collection techniques using observation, interviews, and documentation. The informants in this study were the people of Gampong Meutia, Langsa Kota District. Findings: The results of the study show that public perceptions regarding online zakat payments through the Bank Syariah Indonesia Mobile application tend to lack trust and do not believe in the clarity of zakat distribution later and the public believes that direct zakat payments are far more effective because they can know the mustahik, in contrast to online zakat payments where the muzakki does not know for sure about the mustahik who will receive the zakat. However, it is different from the perception of the people who have used the BSI Mobile application in paying their zakat, where based on the experience they have, the perception created is that there is convenience from the BSI Mobile application in making zakat payments without having to provide a special time in fulfilling these Muslim obligations.

DAMPAK LABEL SYARIAH TERHADAP PENDAPATAN PADA USAHA JASA DI KOTA LANGSA (Studi Kasus Pada Amanah Wash Laundry Syariah) Nurjanah; Rafiza Zuliani
AT-TASYRI': JURNAL ILMIAH PRODI MUAMALAH Vol. 12 No. 01 (2020): At-Tasyri': Jurnal Ilmiah Prodi Muamalah
Publisher : Prodi Hukum Ekonomi Syariah STAIN Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/tasyri.v12i01.357

At present there are a lot of home business industries such as cleaners who use the concept of sharia. This paper would like to examine one of the laundry business that uses the concept of sharia in the city of Langsa. This study aims to look at the impact of sharia labels on income on the Laundry Laundry Laundry Amanah Amanah. The method used is qualitative analysis with comparative and interactive techniques. The results showed that the impact of sharia labels onwashing shariah laundry trust income influences but not significantly because some customers use laundry services based on logic, service quality, location, and others. Then, the application of the thaharah principle to washing clothes in the Islamic Shariah laundry trust is appropriate. Revenue from March to April increased by 4.47%, this is because there are still only the same people who are customers of the Shariah Laundry Trust Trust and customers inviting friends orrelatives of customers to use the Shariah Laundry Trust Trust Service.

SWOT Analysis Of The Mobile Banking Promotion Strategy At Bank Aceh Syariah Azra, Feny; Rafiza Zuliani
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 6 No. 2 (2024): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v6i2.4664

This research aims to find out how strategic the promotion of Bank Aceh Syariah's action is for the people of Aceh Tamiang and to find out the obstacles to promoting Bank Aceh Syariah's action for the people of Aceh Tamiang. The method used is a qualitative approach. Data collection techniques use observation, interviews and documentation. The information in this research is employees of Bank Aceh Syariah, customers of Bank Aceh Syariah Aceh Tamiang. The results of the SWOT analysis show that the strategy that can be used by Bank Aceh is the S-O (strength-opportunity) strategy. The research results show that Bank Aceh Syariah's promotional action strategy uses advertising and personal selling media. The obstacles experienced by Bank Aceh Syariah in promoting action among the people of Aceh Tamiang are the lack of personnel in the promotion department, wide area coverage and network difficulties in several areas in Aceh Tamiang. Keywords: SWOT Analysis; Bank Aceh Syariah; Mobile Banking

Pengaruh Company Size, Profitabilitas, Dan Rasio Leverage Terhadap Islamic Social Reporting Pada Perusahaan Perbankan Syariah Yang Terdaftar Di Bursa Efek Indonesia Tahun 2019-2023 Zuliani, Rafiza; Nurhaliza; Zefri Maulana; Nur Kumalahayati
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol, 9 No 2 (2024)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v9i2.9513

This research aims to examine the influence of company size, profitability, and Leverage ratio on Islamic Social Reporting (ISR) in Islamic banking companies listed on the Indonesia Stock Exchange from 2019 to 2023. The type of data in this research is secondary data in the form of time series. The analytical method used in this research is multiple regression analysis, T-test, F-test and coefficient of determination. The data sources in this research are financial reports, annual reports and sustainability reports of sharia banking companies listed on the Indonesia Stock Exchange (BEI) for 2019-2023. From the results of the T-test analysis, it was found that company size, profitability had a significant positive influence, while leverage had no significant influence. From the results of the simultaneous analysis, it was obtained that Fcount (8.849) > Ftable (3.294) with a significance degree of 0.000 > 0.05. This means that Ho is rejected and Ha is accepted. The conclusion is that there is a significant influence between company size, profitability and leverage together (simultaneously) on ISR disclosure. This shows that when these three variables are analyzed together, they do make a significant contribution to corporate social responsibility disclosure in ISR reports.

Respon Masyarakat Non Muslim Kota Kualasimpang Terhadap Pemberlakuan Qanun Nomor 11 Tahun 2018 Tentang Lembaga Keuangan Syariah Rafiza Zuliani; Purnama, Rahma Amelia; Agustinar, Agustinar
AT-TASYRI': JURNAL ILMIAH PRODI MUAMALAH Vol. 16 No. 2 (2024): At-Tasyri': Jurnal Ilmiah Prodi Muamalah
Publisher : Prodi Hukum Ekonomi Syariah STAIN Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/tasyri.v16i2.3468

The aim of this research is to determine the implementation of Qanun Number 11 of 2018 concerning Sharia Financial Institutions, the response of the non-Muslim community in Kualasimpang regarding Qanun Number 11 of 2018 concerning Sharia Financial Institutions and the obstacles faced by the community with the implementation of Qanun Number 11 of 2018.This type of research is field research with a qualitative descriptive approach. This research was conducted in Kualasimpang City District, Aceh Tamiang Regency. The subjects in this research were non-Muslim communities in Kualasimpang with a total of 10 informants. The data sources in this research are primary and secondary data. Primary data is data obtained directly from research informants, while secondary data is data obtained from literature reviews such as journals and books related to the title of this research. The data collection instruments in this research were observations and interviews conducted with all informants in the research. The data analysis technique in this research uses the Miles and Huberman model with stages of data reduction, data display and verification/conclusion.From the research results it can be explained thatThe implementation of Qanun Number 11 of 2018 has pros and cons, especially for non-Muslim communities. The obstacle felt by non- Muslim communities when using transactions at Islamic banks is that they often go offline, which hinders their activities, especially for non-Muslim communities who work as business people. They also think that conventional banks have never experienced such problems, but they feel that this is currently happening to Islamic banks.Some non-Muslim communities in Kualasimpang object to the implementation of Qanun regarding sharia financial institutions. They argue that by using sharia banks it is difficult for them to make transactions.The opinion of the Qanun designer regrets the implementation of Qanun Number 11 of 2018 because it has a big impact on transactions for both Muslim and non-Muslim communities, especially in Kualasimpang City District, Aceh Tamiang Regency.

Persepsi nasabah terhadap tingkat kualitas pelayanan Bank Syariah Indonesia Kantor Cabang Pembantu Karang Baru Aceh Tamiang Nuria Ajijah; Zuliani, Rafiza; Alfian
JIM: Jurnal Ilmiah Mahasiswa Vol 6, No 2 (2024): Oktober 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v6i2.9624

The purpose of this research is to determine customer perceptions of the quality of service at BSI KCP Karang Baru Aceh Tamiang and to determine the factors that influence customer perceptions about the quality of service at KCP Karang Baru Aceh Tamiang. This research uses qualitative methods using 7 informants. Of the five indicators in service quality, only the tangible aspect is not optimally implemented by BSI KCP Karang Baru, giving rise to unfavorable perceptions from customers. This can be a separate input for BSI BSI KCP Karang Baru to improve service quality from a tangible aspect so that customer perceptions of service quality can be fulfilled perfectly and create positive perceptions. Based on various positive perceptions held by customers, there are factors that influence this, namely employee work speed, work accuracy and also friendliness. Meanwhile, the comfort factor has not been able to be met by BSI KCP Karang Baru. Employees have done their best to work quickly, precisely and also show friendliness, but customers still feel uncomfortable when they are in the bank for too long because there are very few chairs and the space is narrow Keywords: Perception, Level of Service Quality, Bank Syariah Indonesia

Food Bank Sebagai Media Penguatan Kesehatan Ibu dan Anak untuk Mengurangi Stunting Tina, Agustinar; Zuliani, Rafiza; Nurjannah, Nurjannah
Connection : Jurnal Pengabdian Kepada Masyarakat Vol 5 No 1 (2025): Januari - Juni
Publisher : Prodi Bimbingan dan Konseling Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/connection.v5i1.10358

AbstractStunting merupakan masalah kesehatan yang signifikan di Indonesia,termasuk di Kota Langsa. Kekurangan gizi kronis dalam 1.000 hari pertamakehidupan menjadi penyebab utama kondisi ini, yang berdampak padaperkembangan fisik dan kognitif anak. Program ini bertujuan untukmengurangi angka stunting melalui penerapan food bank sebagai mediapenguatan kesehatan ibu dan anak. Metode Participatory Action Research (PAR)diterapkan untuk melibatkan masyarakat dalam identifikasi kebutuhan,perencanaan, implementasi, hingga evaluasi program. Hasil menunjukkanpeningkatan pengetahuan masyarakat tentang pentingnya asupan gizi melaluiedukasi dan distribusi bahan pangan bergizi, seperti telur, ikan, dan sayuran,kepada kelompok rentan. Selain itu, partisipasi aktif masyarakat dalampengelolaan food bank mendorong keberlanjutan program. Program ini berhasilmenurunkan angka kekurangan gizi dan meningkatkan kesadaran akanpentingnya gizi seimbang. Kesimpulannya, food bank dapat menjadi solusiefektif dalam mencegah stunting dan meningkatkan kesehatan ibu dan anaksecara berkelanjutan.

Persepsi nasabah terhadap tingkat kualitas pelayanan Bank Syariah Indonesia Kantor Cabang Pembantu Karang Baru Aceh Tamiang Nuria Ajijah; Zuliani, Rafiza; Alfian
JIM: Jurnal Ilmiah Mahasiswa Vol 6, No 2 (2024): Oktober 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v6i2.9624

The purpose of this research is to determine customer perceptions of the quality of service at BSI KCP Karang Baru Aceh Tamiang and to determine the factors that influence customer perceptions about the quality of service at KCP Karang Baru Aceh Tamiang. This research uses qualitative methods using 7 informants. Of the five indicators in service quality, only the tangible aspect is not optimally implemented by BSI KCP Karang Baru, giving rise to unfavorable perceptions from customers. This can be a separate input for BSI BSI KCP Karang Baru to improve service quality from a tangible aspect so that customer perceptions of service quality can be fulfilled perfectly and create positive perceptions. Based on various positive perceptions held by customers, there are factors that influence this, namely employee work speed, work accuracy and also friendliness. Meanwhile, the comfort factor has not been able to be met by BSI KCP Karang Baru. Employees have done their best to work quickly, precisely and also show friendliness, but customers still feel uncomfortable when they are in the bank for too long because there are very few chairs and the space is narrow Keywords: Perception, Level of Service Quality, Bank Syariah Indonesia

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