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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

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.

IMPLEMENTASI FATWA DSN MUI NO. 04/DSN-MUI/IV/2000 PADA AKAD PEMBIAYAAN MURĀBAHAH DI BMT MUBĀROKAH MWC NU MARGADANA KOTA TEGAL Zahrotul Jannah; Slamet Firdaus; Rita Kusumadewi
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 4, No 1 (2019)
Publisher : IAIN Syekh Nurjati Cirebon

AbstractOne of BMT Mubārokah's products is the financing of the murābahah. Some provisions must be met in implementing the contract of murābahah to avoid usury and in accordance with sharia. One of them is the condition of goods that are deed is goods sold. According to Fatwa DSN MUI No. 04 / DSN-MUI / IV / 2000 that the bank must first buy the legally ordered assets. The method used in this study is qualitative, data collected by interview, observation, documentation. From the results of the research, the implementation of financing of murābahah in BMT Mubārokah there are several stages of financing, form filling, surveys and financing analysis, if approved then made financing agreement, signing contracts, guarantee bonding, and disbursement of financing. Implementation of murābahah financing contract in BMT Mubārokah there is already in accordance with the fatwa of DSN MUI no. 04 / DSN-MUI / IV / 2000. But there is some DSN fatwa that is not practiced because in BMT Mubarokah there has never been such a case, then from that point has not been implemented in accordance with the fatwa DSN.Keywords: Baitul māl wa tamwīl, Financing, Murābahah, and Fatwa DSN-MUI. AbstrakSalah satu produk BMT Mubārokah adalah pembiayaan murābahah. Beberapa ketentuan harus dipenuhi dalam melaksanakan akad murābahah agar terhindar dari riba dan sesuai dengan syariah. Salah satunya adalah syarat barang yang diakadkan adalah barang yang dijual belikan. Menurut Fatwa DSN MUI No. 04/DSN-MUI/IV/2000 bahwa bank harus membeli terlebih dahulu aset yang dipesan oleh nasabah secara sah. Metode yang digunakan dalam penelitian ini kualitatif, data yang dikumpulkan dengan cara wawancara, observasi, dokumentasi. Dari hasil penelitian, pelaksanan akad pembiayaan murābahah di BMT Mubārokah ada beberapa tahap yaitu pengajuan pembiayaan, pengisian formulir, survei dan analisis pembiayaan, jika disetujui maka dibuatkan akad pembiayan, penandatanganan akad, pengikatan jaminan, dan pencairan pembiayaan. Implementasi akad pembiayaan murābahah di BMT Mubārokah ada yang sudah sesuai dengan fatwa DSN MUI No. 04/DSN-MUI/IV/2000. Namun ada beberapa fatwa DSN yang tidak dipraktekkan, karena di BMT Mubarokah belum pernah ada kasus seperti itu, maka dari point tersebut belum dilaksanakan sesuai dengan fatwa DSN.Kata kunci: Baitul māl wa tamwīl, Pembiayaan, Murābahah, dan Fatwa DSN-MUI.

PERILAKU PEMILIHAN MEREK ANTARA PRIA DAN WANITA: PENELITIAN PADA INDUSTRI SMARTPHONE Rita Kusumadewi
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 8, No 2 (2016)
Publisher : IAIN Syekh Nurjati Cirebon

Abstrak Beda jenis kelamin maka akan beda pula cara berfikir seseorang. Sampai saat ini, nampaknya paradigma yang beredar di masyarakat menunjukkan bahwa pria memiliki pemikiran yang lebih sederhana bila dibandingkan dengan wanita saat dihadapkan pada dua atau lebih alternatif produk yang harus mereka beli.Saat ini handphone atau smartphone semakin hari semakin marak dan beragam bermunculan di pasar, dengan berbagai harga dan atribut produk unggulan yang ditawarkan kepada konsumen. Fenomena ini menimbulkan pertanyaan baru, apakah harga dan atribut produk tersebut lebih penting dibandingkan sebuah merek bagi seorang pria dan wanita. Selain itu sangat penting diketahui apa yang menjadi alasan pria dan wanita saat memilih sebuah merek. Penelitian ini dilakukan kepada 200 orang responden pengguna. Hasil penelitian menunjukkan bagi Pria hal yang paling utama yang menjadi pertimbangan mereka dalam memilih sebuah merek smartphone adalah Confidence, Pleasure,Effectiveness,Status, danResponsibility, sedangkan bagi wanita hal yang paling utama yang menjadi pertimbangan mereka dalam memilih sebuah merek smartphone adalah Confidence, Pleasure,Effectiveness, dan Status. Kata kunci: merek, perilaku pemilihan merek, perilaku konsumen, industri smartphone Abstract Different gender will influencing the way they thingking. Until now, the paradigm in society shows that man has a simple thought than a woman when they faced two or more product alternatives. Nowadays, many kinds of handphone or smartphone being showed up at the market, with various prices and product attributes. This phenomenon makes a new questions, does price and product attribute is more important than a brand to a man and a woman. Beside that, really important to know what is the reason between a man and a woman while they choosing a brand. This research using 200 respondents. And the result shows that for a man there is a few important things that will considerately thingking in choosing a brand of a smartphone, which is confidence, pleasure, effectiveness, status and responsibility, in the other side the important things for a woman only four factors which is confidence, pleasure, effectiveness and status. Keyword: brand, brand choices behaviour, customer behaviour, smartphone industry

Pengaruh Emotional Marketing dan Spiritual Marketing terhadap Loyalitas Nasabah Tabungan BSM pada Bank Syariah Mandiri KCP Cirebon Siliwangi Intan Lestari; Rita Kusumadewi
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 9, No 2 (2017)
Publisher : IAIN Syekh Nurjati Cirebon

AbstrakMembangun loyalitas adalah bukan pilihan lagi dalam dunia perbankan. Terlebih beberapa tahun terakhir ini muncul satu trend, yaitu kecenderungan nasabah memiliki lebih dari satu rekening tabungan pada Bank yang berbeda. Untuk itu Bank syariah perlu membangun loyalitas nasabah, salah satu cara yang dilakukan adalah dengan pemasaran. Kunci utama dari pemasaran dalam perbankan yaitu membangun hubungan yang kuat secara berkelanjutan dengan nasabah. Beberapa hubungan yang coba dibangun oleh bank syariah dalam pemasaran adalah hubungan secara emosional dan spiritual. Dalam pemasaran lebih dikenal dengan nama emotional marketing dan spiritual marketing. Penelitian ini menggunakan pendekatan kuantitatif. Data yang digunakan dalam penelitian ini adalah data primer dengan teknik pengumpulan data melalui penyebaran kuesioner kepada 100 orang responden nasabah tabungan BSM pada Bank Syariah Mandiri KCP Cirebon Siliwangi. Pengujian menggunakan uji regresi linear berganda dengan SPSS (Stastistical Product and Service Solution) versi 21.0. Hasil penelitian menunjukkan bahwa secara parsial emotional marketing memiliki pengaruh terhadap loyalitas nasabah dengan nilai signifikansi 0,000 dan > yaitu 6,329 > 1,660. Kemudian spiritual marketing memiliki pengaruh terhadap loyalitas nasabah dengan nilai signifikansi 0,000 dan > yaitu 4,919 > 1,660. Dan secara simultan emotional marketing dan spiritual marketing memiliki pengaruh terhadap loyalitas nasabah dengan nilai signifikansi 0,000 dan > yaitu 38,171 > 2,36 dengan koefisien determinasi sebesar 44%, sementara sisanya 56% dipengaruhi oleh faktor lain.Kata Kunci: Emotional Marketing, Spiritual Marketing, dan Loyalitas Nasabah AbstractBuilding loyalty is no longer a viable option in the banking world. Especially the last few years comes a trend, namely the tendency of customers to have more than one savings account at different Banks. For that Sharia Bank needs to build customer loyalty, one way to do is with marketing. The main key of marketing in banking is to build a strong relationship in a sustainable manner with customers. Some relationships that the sharia bank is trying to build in marketing are emotionally and spirituall. This research uses quantitative approach. The data used in this study is primary data with data collection techniques through the distribution of questionnaires to 100 respondents of BSM savings customers in Bank Syariah Mandiri KCP Cirebon Siliwangi. The test used multiple linear regression test with SPSS (Stastistical Product and Service Solution) version 21.0. The results showed that partially emotional marketing has an influence on customer loyalty with a significance value of 0.000 and t count > t table is 6.329> 1.660. Then the spiritual marketing has an influence on customer loyalty with a significance value of 0.000 and t count > t table of 4.919> 1.660. And simultaneously emotional marketing and spiritual marketing have influence to customer loyalty with value of significance 0.000 and F_count > F_table that is 38,171> 2,36 with determination coefficient equal to 44%, while the rest 56% influenced by other factor.Keywords: Emotional Marketing, Spiritual Marketing, and Customer Loyalty

Pelaksanaan Emotional Marketing melalui The Emotional Es sebagai Pembentuk Loyalitas Pelanggan Rita Kusumadewi
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 7, No 2 (2015)
Publisher : IAIN Syekh Nurjati Cirebon

Abstrak Emotional marketing merupakan teknik pemasaran yang berfokus pada perspektif emosional sebagai inti dalam menghantarkan nilai kepada pelanggan dalam rangka membentuk loyalitas pelanggan, yang akan memudahkan perusahaan untuk mendapatkan kesuksesan dan profit jangka panjang. Dalam penelitian ini, emotional marketing yang akan dipakai adalah The Emotional “E”s, yaitu: Equity, Experience dan Energy. Hasil penelitian menunjukkan bahwa dari ketiga faktor E tersebut yang paling mempengaruhi seorang menjadi pelanggan agar menjadi pelanggan loyal adalah Experience. Dengan kata lain, seseorang akan menjadi pelanggan setia jika diberikan pengalaman emosional yang meninggalkan kesan mendalam pada diri mereka. Walaupun kepercayaan tidak terlalu besar dan energi yang harus dikeluarkan cukup besar, namun memiliki pengalaman emosional positif maka besar kemungkinannya mereka akan menjadi pelanggan yang loyal. Kata kunci: Emotional Marketing, Equity, Experience, Energy, Loyalitas Abstract The emotional marketing is one of the marketing technique which is focusing on emotional perspective as a center in value delivering to the customer in a framework of building customer loyalty, which can make a company easy earning profit. This research will use The Emotional “E”s as the emotional marketing tools that has three factors, which is Equity, Experience dan Energy. The result shows that from the three factor of “E”s the Experience is the most influencing to a loyalty. Someone will become a loyalty customers if they have been given an emotional experience, a very unforgettable experience. Eventhough trust is not a big influencer and the energy not to big to spend, the positive emotional experience will make a customers to be a loyal customers. Keywords: Emotional Marketing, Equity, Experience, Energy, Loyality.

ROUTINIZED RESPON, HABITS DAN BASIC NEEDS: FAKTOR DOMINAN YANG MEMENGARUHI KEPUTUSAN MEMILIH BANK SYARIAH rita kusumadewi
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 8, No 1 (2016)
Publisher : IAIN Syekh Nurjati Cirebon

Abstrak Bagi beberapa masyarakat, bank syariah merupakan alternatif dari sistem perbankan konvensional dan merupakan pilihan yang aman untuk melakukan transaksi perbankan karena berdasarkan syariat islam yang membawa kebaikan bagi nasabah. Namun bagi beberapa orang masih berpendapat bahwa bank syariah tidak jauh berbeda dengan bank konvensional dalam pengoperasian jasa keuangan yang ditawarkannya. Beberapa perbedaan persepsi tersebut menunjukkan adanya faktor dominan yang memengaruhi nasabah dalam berperilaku dan mengambil keputusan dalam memilih bank mana yang akan digunakan jasanya. Faktor routinezed respon, habit dan basic needs akan digunakan sebagai acuan dalam penelitian ini dan dicari faktor mana yang paling dominan dari ketiga faktor tersebut yang memengaruhi nasabah memilih bank syariah di Kota dan Kabupaten Cirebon. Penelitian ini dilakukan pada 100 orang nasabah bank syariah yang ada di kota dan kabupaten Cirebon. Dan diperoleh hasil bahwa diantara faktor routinized respon, habit dan basic needs, yang paling dominan memengaruhi keputusan seseorang memilih bank syariah adalah faktor routinized respon. Dimana konsumen memilih bank syariah sebagai respon dari aktivitas rutin setiap hari yang sesuai dengan syariat islam.Kata kunci: Bank syariah, Routinezed respon, Habit, Basic needs. Abstract For some people in community, sharia bank is one of the alternative of conventional banking system and also a safe choice for banking transaction based on Islamic sharia which brings goodness for customers. But some other people still think that sharia bank not too different to conventional bank in financing operation services. That perceived differences shows that there is a dominant factor which influencing customers behaviour and their decision making in chooing which bank that will be choose. Routinezed respon, habit and basic needs factors will be use in this research and will be find which factors is dominant than others that influencing customers decision in choosing sharia bank in Cirebon. These research using 100 responden as a customers of sharia bank. And the result shows that between routinezed respon, habit and basic needs, the most dominant factor are routinized respon. Which means that customers choosing sharia bank as a respons from their everyday routine activity which fits with Islamic sharia.Keywords: Sharia Bank, Routinezed respon, Habit, Basic needs.

Pengaruh Kreasi Nilai: Function/Instrumental Value, Experiental/ Hedonic Value, Symbolic/ Expressive Value dan Cost/Sacrefice Value terhadap Loyalitas Pelanggan Rita Kusumadewi
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 7, No 1 (2015)
Publisher : IAIN Syekh Nurjati Cirebon

AbstrakPerusahaan berusaha untuk membentuk kesetiaan pelanggan lama, dan sekaligus menarik pelanggan baru melalui kreasi nilai terhadap produk yang ditawarkannya. Loyalitas pelanggan tidak hanya menjadi kunci sukses jangka pendek tapi juga kunci sustainable competitive advantage, karena pada dasarnya melalui terpeliharanya loyalitas maka perusahaan akan profitable. Artikel ini akan mengkaji dan mengembangkan teori lama mengenai kreasi nilai melalui variabel functional/instrumental value, experiental/hedonic value, symbolic/ expressive value dan cost/sacrifice value terhadap customer loyalty. Dengan metode explanatory survey dan metode pengembangannya cross sectional maka dapat diperoleh hasil bahwa functional/instrumental value (FIV) dan experiental/ hedonic value (EHV) memiliki pengaruh yang lebih besar terhadap customer loyalty dibandingkan dengan symbolic/expressive value (SEV) dan cost/sacrifice value (CSV). Penurunan kesetiaan pelangan akan terjadi bila indikator-indikator ini tidak ditingkatkan atau tidak diperhatikan. Kata kunci: functional/instrumental value, experiental/ hedonic value, symbolic/ expressive value, cost/sacrifice value, loyalitas pelanggan AbstractThe company tried to establish customer loyalty, as well as attracting new customers through the creation of value of the product offerings. Customer loyalty is not only a short term key of success but also key to sustainable competitive advantage, because basically through the maintenance of loyalty the company will be more profitable. The purpose of this article are to assess and develop the old theory about the influence of value creation through functional/instrumental value, experimental/hedonic value, symbolic/expressive value and cost/sacrifice value to customer loyalty. By using explanatory survey method with cross sectional method as the result showed that the functional/instrumental value (FIV) and experiental/hedonic value (EHV) has bigger effect on customer loyalty than a symbolic/expressive value (SEV) and cost/sacrifice value (CSV). The decrease of customers loyalty will happen if these indicators were not being improve or watch. Keywords: customers value, functional/instrumental value, experiental/hedonic value, symboli/expressive value, cost/sacrifice value, customers loyalty

Pengaruh Pelatihan dan Karakteristik Wirausaha Terhadap Pengembangan UMKM (Studi Pada UMKM di Kecamatan Cigugur) Alya Ilham Rizky; Rita Kusumadewi; Eef Saefulloh
Entrepreneur: Jurnal Bisnis Manajemen dan Kewirausahaan Vol 3 No 1 (2022): Januari
Publisher : Program Studi Manajemen Fakultas Ekonomika dan Bisnis Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/entrepreneur.v3i1.1680

Micro, small and medium enterprises (MSMEs) have a contribution to make in supporting national economic development, including being able to absorb labor and produce goods and services at affordable prices for the needs of people with low incomes. Because of its role, the development of MSMEs needs to get great attention from the government and the general public. MSME actors need to continue to be trained and fostered in a sustainable manner so that they can be more developed and advanced. By participating in the training, MSME actors are expected to increase their knowledge and business capabilities, increase business management, generate new ideas, create business networks and increase business productivity. This study aims to determine the effect of training and entrepreneurial characteristics on the development of MSMEs in Cigugur sub-district. This study uses quantitative methods using data collection techniques through questionnaires. The population in this study MSME actors who are in Cigugur sub-district and have attended training with a sample of 70 people. The data analysis technique used is descriptive analysis and statistical analysis consisting of validity test, reliability test, classical assumption test, multiple linear regression test, hypothesis test in the form of t test (partial) and F test (simultaneous), and the coefficient of determination test (R2) with a test instrument the IBM SPSS version 22 application. The results of this study indicate that there is a positive and significant influence between training on MSME development, which is 10.28%, and there is a positive and significant influence between entrepreneurial characteristics on MSME development by 9.05%. Furthermore, simultaneously training and entrepreneurial characteristics have a positive and significant effect on the development of MSMEs by 19.3%.

Pengaruh Digital Marketing dan Kualitas Produk Terhadap Loyalitas Pelanggan Pada Khalifa Muslim Wear Rita Kusumadewi; Budi Rusdian
Entrepreneur: Jurnal Bisnis Manajemen dan Kewirausahaan Vol. 3 No. 2 (2022): Juli
Publisher : Program Studi Manajemen Fakultas Ekonomika dan Bisnis Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/entrepreneur.v3i2.2238

In the new era of marketing, companies are forced to be able to create consumer value because today's marketing is driven by values. The purpose of this paper is to analyze the value using the House of Quality (HOQ) matrix which is one of the tools of Quality Function Deployment (QFD) which is commonly used to increase value through product attributes that will be given to consumers. Equipped with a matrix that illustrates how to create value using HOQ, using data from research that the author has previously carried out in identifying consumer values at private universities in Region III Cirebon-West Java as an example.This research uses explanatory survey method with cross sectional development method. The iteration method is used to determine the number of samples, so that a minimum sample of 116 is obtained, but 150 samples will be used so that the results are more representative of the population. The result shows that the indicator that is considered the most important by the respondents is the reputation of the university and the indicator with the lowest rating is the time of completion of studies. However, the results of consumer assessments regarding customer value indicate that the university's reputation is still unable to provide superior customer value. Thus, the reputation of the university is an aspect that must be improved first before other aspects.

PENGARUH KREDIBILITAS INFLUENCER DAN BRAND AWARENESS TERHADAP MINAT PEMBELIAN DI TOKOPEDIA (Studi Pada Pelanggan Tokopedia yang Bertransaksi Melalui Bank Syariah Indonesia) Yulia Tiara Putri; Rita Kusumadewi; Eef Saefulloh
Entrepreneur: Jurnal Bisnis Manajemen dan Kewirausahaan Vol. 4 No. 2 (2023): Mei
Publisher : Program Studi Manajemen Fakultas Ekonomika dan Bisnis Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/entrepreneur.v4i2.5651

Tokopedia is the largest e-commerce company in Indonesia. Company can increasing their customers interest through credibility influencer and brand awareness. Influencers are one of the factors that contribute the company's progress and to increase brand awareness, which is later intended to emerge in a purchasing decision The results showed that the first hypothesis was accepted, that the Influencer credibility variable had a positive and not significant effect on Tokopedia purchase Interest. with a partial effect of 43.1%. The second hypothesis is accepted, that the Brand Awareness variable has a positive and significant effect on Tokopedia Consumer Interest, with a partial effect of 54.7%. The third hypothesis is accepted, that the influencer and brand awareness variables simultaneously have a positive and significant effect on Tokopedia purchase interest with a simultaneous influence of 59.1%.

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