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IMPLEMENTASI BSI MOBILE SEBAGAI WUJUD TERCAPAINYA PAPERLESS DAN PENERAPAN GREEN BANKING Anita Tri Milza; Muhammad Iqbal Fasa; Suharto Suharto; Adib Fachri
Indonesian Journal of Accounting and Business Vol 3 No 1 (2021): Indonesian Journal of Accounting and Business
Publisher : Jurusan Akuntansi, Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/ijab.v3i1.3

Abstract

Perkembangan teknologi yang semakin pesat dimanfaatkan langsung oleh industri perbankan khususnya perbankan syariah dengan memunculkan inovasi produk digital. BSI Mobile merupakan salah satu produk digital dari Bank Syariah Indonesia yang bertujuan untuk mempermudah transaksi nasabah serta memberikan informasi kepada nasabah melalui fitur yang disediakan dan sebagai bentuk penerapan Green Banking di BSI. Dalam pengembangan produk digital yang diberikan oleh BSI memberikan kemudahan-kemudahan yang bisa dirasakan oleh para nasabah dan sebagai wujud untuk mendukung penerapan Green Banking yaitu pengurangan penggunaan kertas atau paperless karena fitur produk menjadi keunggulan dan ciri khas tersendiri bagi suatu produk yang dapat dimanfaatkan langsung oleh nasabah. Dengan adanya merger 3 bank BUMN yaitu BNIS, BSM, dan BRIS yang menjadi satu dengan nama PT. Bank Syariah Indonesia, tentu hal tersebut menjadi momen untuk terus mengembangkan kualitas layanan dan fitur produk guna memberikan kemudahan dan juga menjadi produk digital unggulan bagi Bank Syariah Indonesia. Penelitian dilakukan berupa kualitatif deskriptif dengan mengumpulkan data menggunakan studi pustaka dan meresume dari teori atau pendapat yang telah dilakukan sebelumnya. Penelitian ini bertujuan untuk mengetahui implementasi pada produk digital Bank Syariah Indonesia sebagai dukungan untuk mendukung paperless dan terwujudnya green banking dan juga hasil penelitian ini dapat memberikan informasi kepada masyarakat terkait produk digital Bank Syariah Indonesia yaitu BSI Mobile.      
ANALISIS KUALITAS LAYANAN MOBILE BANKING DAN PENGARUHNYA TERHADAP KEPUASAN NASABAH Siti Susanti; Muhammad Iqbal Fasa; Suharto Suharto; Adib Fachri
Indonesian Journal of Accounting and Business Vol 3 No 1 (2021): Indonesian Journal of Accounting and Business
Publisher : Jurusan Akuntansi, Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/ijab.v3i1.5

Abstract

Industri perbankan berkembang pesat dengan memanfaatkan e-banking sebagai sarana yang efisien dan sesuai untuk memuaskan nasabah. Layanan perbankan online adalah layanan umum yang disarankan oleh bank umum untuk memberikan layanan yang lebih cepat dan lebih dapat diandalkan bagi pelanggan. Dengan kemajuan teknologi yang pesat, e-banking telah dimanfaatkan untuk menyerap pelanggan dan melakukan transaksi perbankan. Namun, masalah utama dengan e-banking adalah memuaskan pelanggan yang sekarang menggunakan Internet banking. Kepuasan nasabah merupakan faktor penting dalam membantu bank untuk mempertahankan keunggulan kompetitifnya. Oleh karena itu, penelitian ini bertujuan untuk mengkaji faktor-faktor yang mempengaruhi kepuasan nasabah terhadap layanan e-banking. Empat faktor yang dapat mendorong kepuasan nasabah terhadap e-banking adalah layanan cloud, keamanan, e-learning, dan kualitas layanan. Penelitian ini menggunakan metode pemodelan persamaan struktural untuk mengevaluasi model kausal dengan validitas dan reliabilitas model pengukuran. Model penelitian dianalisis berdasarkan data yang dikumpulkan dari kuesioner menggunakan SMART PLS 3.2. Hasil penelitian menunjukkan bahwa layanan cloud, keamanan, e-learning, dan kualitas layanan adalah empat faktor signifikan yang mempengaruhi kepuasan pelanggan dalam menggunakan layanan Internet banking.
Analisis Implementasi E-business dalam Mewujudkan Green Banking di Perbankan Syariah yang Berkelanjutan Cindi Novita Sari Cindi; Muhammad Iqbal Fasa Muhammad Iqbal Fasa; Suharto Suharto; Adib Fachri Adib Fachri
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 4 No 01 (2022): SAUJANA: Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v4i01.61

Abstract

E-business it self is a technology to develop business, both internal and external processes. Green Banking is translated as banking efforts to prioritize the fulfillment of sustainability in lending or its operational activities. The method used in this study is a qualitative descriptive analysis technique, where all data generated and presented are in the form of descriptions, namely in the form of an overview of the results of the study. The results of the study show that the implementation of e-business in Islamic banking helps to realize sustainable Green Banking, with the application of E-business in Islamic banking can increase environmental awareness.
Peran Fear of Missing Out Memediasi Pengaruh Promo Event Tanggal Kembar E-Commerce Shopee Terhadap Impulsive Buying Tendency Pada Generasi Z Pengguna Shopee di Bandar Lampung Rini Wijaningsih; Evi Ekawati; Adib Fachri
GEMILANG: Jurnal Manajemen dan Akuntansi Vol. 4 No. 3 (2024): Jurnal Manajemen dan Akuntansi
Publisher : BADAN PENERBIT STIEPARI PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56910/gemilang.v4i3.1531

Abstract

Fear of missing out is the fear of losing the opportunity to follow something that they think is interesting to follow such as the shopee e-commerce twin date event promo by offering attractive discount products that occur every month on the same date, so that it can encourage someone to make a purchase that was not planned before. This study aims to show how much the level of impulsive buyimg behavior of Gen Z in Bandar Lampung is caused by the shopee e-commerce twin date promo event and through fear of missing out as mediation. The research method used is quantitative method with a research population of 296,828 thousand residents and a sample size of 100 respondents. The results showed that the shopee e-commerce twin date promo event had a significant positive effect on impulsive buying tendency and the fear of missing out variable had a positive and significant effect and mediated the relationship between the shopee e-commerce twin date promo event and impulsive buying tendency. The results of research in an Islamic business perspective regarding impulsive buying tendency behavior in Islamic consumption theory that Islam prohibits anything excessive and must adhere to the principles of simplicity and balance.
PENGARUH ZAKAT TERHADAP KINERJA KEUANGAN BANK UMUM SYARIAH DENGAN MODEL SHARIA CONFORMITY AND PROFITABILITY (SCnP) DI INDONESIA Etika, Citra; Fachri, Adib; Amalia, Ilma
Jurnal Tabarru': Islamic Banking and Finance Vol. 7 No. 1 (2024): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2024.vol7(1).16397

Abstract

Tujuan penelitian ini untuk mengetahui pengaruh zakat terhadap kinerja keuangan dengan model Sharia Conformity dan Profitability (SCnP) di Indonesia. Penelitian ini menggunakan jenis penelitian kuantitatif. Populasi penelitian menggunakan Bank Umum Syariah (BUS) yang terdaftar di Otorisasi Jasa Keuangan (OJK) periode 2018-2022. Sampel yang digunakan 7 Bank Umum Syariah (BUS) dengan tekhnik pemilihan sampel Purposive Sampling. Data yang digunakan data sekunder diperoleh dari laporan tahunan yang dipublikasi melalui website resmi masing-masing perbankan periode 2018-2022. Teknik analisis yang digunakan, analisis regresi data panel dengan aplikasi software Eviews-10. Hasil penelitian ini menunjukkan bahwa Zakat  berpengaruh signifikan terhadap kinerja keuangan (Sharia Conformity) di Indonesia. Sedangkan Zakat tidak berpengaruh signifikan terhadap Kinerja Keuangan (Profitability) di Indonesia. Kesimpulan penelitian ini kinerja keuangan (Sharia Conformity) Bank Umum Syariah telah menjalankan kegiatan penyaluran zakat secara prinsip syariah dan mengakibatkan sinyal investor/stakeholders meningkat untuk melakukan aktivitas kepada Bank Umum Syariah, selanjutnya kinerja keuangan (Profitability) di Indonesia, artinya masih terdapat beberapa Bank Umum Syariah yang belum memiliki kebijakan terkait pengeluaran zakat perusahaan sedangkan jika dilihat dari segi laba perusahaan Bank Umum Syariah telah memenuhi nisab untuk dikeluarkan zakatnya tetapi manajemen Bank Umum Syariah belum mengutamakan orientasi zakat dalam operasional perusahaan.
PENERAPAN GREEN BANKING DI LINGKUNGAN BANK MUAMALAT INDONESIA Ria, Desma; Fasa, Muhammad Iqbal; Suharto, Suharto; Fachri, Adib
Jihbiz: Global Journal of Islamic Banking and Finance Vol 5, No 1 (2023)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v5i1.17195

Abstract

The increasing competition of business or industry makes the behavior of businessmen ignore the natural environment. This causes the emergence of seriousness from the corporate world to increasingly involve themselves in activities that can create a positive impact on social and natural environment. In addition to carry out its function as an intermediary institution, the banking industry is also currently required to be involved in suppressing environmental damage because it is considered necessary to adapt interdepedensially to the environment called Green Banking. This research aims to find out how to implement green banking in Bank Muamalat Indonesia environment. This research used qualitative method by impelementing descriptive analysis using secondary data. The results showed that there are two main green banking programs implemented by Bank Muamalat Indonesia, the distribution of environment friendly financing and environment friendly operational activities, respectively.
Pengaruh Kepribadian, Kecerdasan Emosional dan Motivasi Terhadap Kinerja Driver Go Food Menurut Persepektif Bisnis Islam : (Studi Pada Driver Go Food di Bandar Lampung) Fatih Fuadi; Adib Fachri; Niken Handayani
Lokawati : Jurnal Penelitian Manajemen dan Inovasi Riset Vol. 2 No. 4 (2024): Juli : Jurnal Penelitian Manajemen dan Inovasi Riset
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/lokawati.v2i4.970

Abstract

Transportation makes it easier for people to carry out their daily activities. Transportation is really needed by the community, considering the density of people's activities which require moving from one place to another and also makes it easier for people to order the goods or food they want from a place that consumers want. Therefore, drivers with personality, emotional intelligence and good motivation are needed, where there is a decline in the performance of gofood drivers, one of which is the gofood driver in Bandar Lampung. This research aims to examine the influence of Personality, Emotional Intelligence, and Motivation on the Performance of Gofood Drivers in Bandar Lampung City from an Islamic Business Perspective. This research used a quantitative approach with a sample of 98 gofood drivers in Bandar Lampung. Sampling was carried out using an associative approach which connects one variable to another variable. The data analysis method uses SPSS (Statistical Program for Social Science) version 20 and then the data obtained is processed using SPSS 20 software. Data analysis in this research uses multiple linear regression analysis with Personality, Emotional Intelligence and Motivation as independent variables and performance as the dependent variable .Based on the research results, it shows that personality does not have a significant effect on the performance of Gofood drivers. Emotional Intelligence also has no significant effect on Gofood driver performance. Motivation has a positive and significant influence on Gofood driver performance. However, personality, emotional intelligence and motivation simultaneously have a significant effect on the performance of gofood drivers in Bandar Lampung City.
Pengaruh Direct Marketing terhadap Keputusan Pembelian pada Live Streaming Tiktok dengan Kepercayaan sebagai Variabel Moderasi dalam Perspektif Bisnis Islam : Study pada Generasi Z Pengguna Aplikasi Tiktok di Kota Bandar Lampung Fatih Fuadi; Adib Fachri; Feby Amelia
Journal of Islamic Economics and Finance Vol. 2 No. 2 (2024): Mei: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v2i2.1137

Abstract

The development of the times is constantly changing, marked by the existence of various applications that have online promotion and sales features. competition in online sales is getting tighter, making online business people look for the right strategy to market their products, such as in the TikTok strategy application so that consumers are easy to make a purchasing decision, namely with its latest feature, namely live streaming, which can be seen from direct marketing and trust. The purpose of this study was to determine the effect of direct marketing on purchasing decisions with trust as a moderating variable in an Islamic business perspective. This research uses quantitative methods. Data collection techniques in literature review, questionnaires and Likert scales. The population used in this study is generation z in Bandar Lampung City. Sampling in this study using purposive sampling technique. The number of samples used, determined by the formula according to Widianto, amounted to 97 respondents. The data analysis method uses Partial Last Scructural Equation Modeling (PLS-SEM) and data processing using smartPLS software. The results of this study indicate that there is a positive and significant influence between direct marketing on purchasing decisions. And trust does not moderate the relationship between direct marketing and purchasing decisions. In the perspective of Islamic business direct marketing on purchasing decisions on live streaming tiktok has implemented the principles of Islamic business ethics, including unity, balance, free will, responsibility, and benevolence so that it is something that Muslim business people need to pay attention to.
Religiosity and determinants of food consumption in urban and rural communities in Lampung Province Habibi, Ahmad; Fachri, Adib; Utami, Pertiwi
Journal of Islamic Economics Lariba Vol. 10 No. 2 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss2.art12

Abstract

IntroductionLampung Province consists of heterogeneous tribes and ethnicities. The majority is Muslim, followed by Protestants, Catholics, Hindus, and Buddhists. This makes Lampung Province known as the earth of ruwai jurai. This condition makes Lampung Province a miniature of the State of Indonesia.ObjectivesThis study investigates the religiosity and determinants of consumption of urban and sub-urban communities in Lampung Province.MethodThis study uses a quantitative research approach with a sample of 262 participants.ResultsThe findings revealed that there was no significant difference between rural and urban communities in purchasing food. Further, it was revealed that the respondents who made the object were consumers in the modern market with ages between 21-40 years old at 64.9% and with high school and Strata 1 education at 89.7%. Education level and age are the main factors in public consumption both in urban and rural areas. Based on the results of data analysis, it is known that the better understanding of religion a Muslim community has, the more selective they will be in purchasing the products they need. Therefore, it can be concluded that urban and rural communities consume research variables from the aspect of religiosity and economic determinants in the same condition so that modern markets as research locations provide an equal impact on urban and rural communities in consumption. ImplicationsStakeholders need to expand permits for the operation of modern markets by paying attention to the economy of traditional economic actors. Other factors, such as improving the quality and equitable distribution of education and increasing information about products both by producers and the government through mass media and social media, are also actively carried out carefully.Originality/Novelty This study provides an additional understanding of how religiosity contributes to consumption in societies with differing religious backgrounds.
Optimization of Zakat Fundraising Realisation Based on the Measurement of the Zakat Literacy Index in Rural and Urban Communities Fachri, Adib; Etika, Citra
Islamic Economics Journal Vol. 10 No. 2 (2024)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v10i2.12975

Abstract

This article compares zakat literacy between rural and urban communities in Lampung Province and explores strategies to optimize zakat fundraising based on the Zakat Literacy Index (ILZ) of each region. Using a mixed method approach with an explanatory design, 200 respondents were involved, with 100 from rural and 100 from urban areas. The independent t-test results show a difference in zakat literacy between the two groups, although the difference is not statistically significant. The ILZ in rural areas is 79.57 (medium category), while in urban areas it is 86.79 (high category), reflecting a relatively good understanding in both communities. To optimize zakat fundraising, urban areas can focus on strengthening technical management and adopting digital technology for payments, while rural areas require educational efforts and collaboration with religious leaders to enhance basic zakat knowledge.