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PENILAIAN TINGKAT KESEHATAN BANK SYARIAH DENGAN METODE CAMEL DAN REGC (STUDI PADA BANK BNI SYARIAH TAHUN 2011-2015) Ahsan Putra Hafiz
ILTIZAM Journal of Shariah Economics Research Vol. 2 No. 1 (2018): Iltizam Journal of Shariah Economic Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Metode penilaian kesehatan bank terus saja berkembang, ada dua metode yang dilakukan dalam penelitian ini, pertama metode CAMELS sesuai dengan peraturan BI No.6/10/PBI/2004. Dan yang kedua adalah metode RGEC yang merupakan pembaruan peraturan yang dilakukan oleh BI melalui Peraturan BI No. 13/1/PBI/2011 tentang Penilaian Tingkat Kesehatan Bank Umum yang berlaku sejak 1 Januari 2012. Penelitian ini bertujuan untuk membandingkan antara dua metode tersebut. Dan juga untuk mengetahui tingkat kesehatan Bank BNI Syari’ah dengan menggunakan metode CAMELS dan RGEC. Penelitian ini merupakan jenis penelitian deskriptif dengan pendekatan kuantitatif. Objek penelitian ini adalah laporan keuangan selama lima periode yaitu tahun 2011 sampai dengan 2015. Teknik pengumpulan data dalam penelitian ini adalah dengan cara menelaah catatan-catatan atau dokumen perusahaan. Analisis yang digunakan adalah metode CAMELS dan RGEC dengan menentukan tingkat kesehatan bank menjadi peringkat kesehatan bank. Hasil penelitian menunjukkan bahwa penilaian tingkat kesehatan Bank BNI Syari’ah dengan menggunakan metode CAMELS rata-rata menunjukkan predikat SANGAT SEHAT. Dan Bank BNI Syari’ah yang menggunakan metode RGEC rata-rata menunjukkan predikat SEHAT. Sehingga kinerja Bank BNI Syari’ah harus dipertahankan dengan cara menjaga tingkat kesehatan bank.

DAMPAK WACANA PEMINDAHAN IBU KOTA NEGARA REPUBLIK INDONESIA TERHADAP DINAMIKA PEREKONOMIAN DI PALANGKA RAYA Ahsan Putra Hafiz; Bambang Kurniawan
ILTIZAM Journal of Shariah Economics Research Vol. 4 No. 1 (2020): Iltizam Journal of Shariah Economic Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Perpindahan Ibu Kota Negara Republik Indonesia adalah suatu keniscayaan. The Founder telah mencanangkan perpindahan tersebut sejak tahun 1957. Mayoritas masyarakat Kota Palangka Raya khususnya Kelurahan Habaring Hurung telah mengetahui sejak lama rencana perpindahan tersebut dengan ditandai berdirinya Monumen Tugu Soekarno di Jantung Kota Palangka Raya.Penelitian ini bertujuan untuk mengkaji dampak wacana perpindahan Ibu Kota Negara Republik Indonesia terhadap dinamika perekonomian di Kota Palangka Raya.Metode kuantitatif digunakan dalam kajian.Variabel-variabel untuk mengukur pertumbuhan ekonomi Produk Domestik Regional Bruto (PDRB), Indeks Pembangunan Manusia (IPM), Inflasi dan Investasi.Tools yang digunakan eviews 10.Interview terhadap 60 responden masyarakat Kelurahan Habaring Hurung menguatkan hasil olah data variabel-variabel independent dan dependent.Penemuan teori baru mengenai tata ruang didapat dalam penelitiani ini.Hasil dari kajian mendapatkan bahwa wacana perpindahan Ibu Kota Negara berdampak signifikan terhadap dinamika pertumbuhan perekonomian di Kota Palangka Raya.

PENGARUH KUALITAS LAYANAN DAN PERSEPSI HARGA TERHADAP TINGKAT KEPUASAN KONSUMEN PADA PENGGUNAAN APLIKASI GO-JEK DI KOTA JAMBI Ade Igustiani B; Ahsan Putra Hafiz; Atar Satria Fikri
Journal of Student Research Vol 1 No 5 (2023): September: Journal of Student Research
Publisher : Sekolah Tinggi Ilmu Ekonomi Trianandra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jsr.v1i5.1751

Dalam penelitian ini berfokus pada pembahasan kualitas layanan, persepsi harga dan tingkat kepuasan konsumen pada penggunaan aplikasi Go-Jek di Kota Jambi. ini bertujuan untuk mengetahui dan menganalisis pengaruh kualitas layanan dan persepsi harga terhadap tingkat kepuasan konsumen pada penggunaan aplikasi Go-Jek. Sampel pada peneitian ini diambil sebanyak 96 responden dan menggunakan penelitian kuantitatif deskriptif. Dan metode analisis data yang digunakan yaitu analisis regresi linear berganda. Dari hasil uji t variabel kualitas layanan (X1) dengan nilai t hitung lebih besar dari t tabel (4,564 > 1,986) dan nilai signifikan 0,000 < 0,05 dapat disimpulkan bahwa adanya pengaruh yang positif signifikan antara variabel kualitas layanan (X1) terhadap tingkat kepuasan konsumen (Y). Variabel persepsi harga (X2) dengan nilai t hitung lebih besar dari t tabel (7,578 > 1,986) dan niai signifikan sebesar 0,000 < 0,05 disimpulakan bahwa adanya pengaruh yang positif signifikan antara variabel persepsi harga (X2) terhadap tingkat kepuasan konsumen (Y). Dari hasil uji f diketahui bahwa variabel kualitas layanan (X1) dan persepsi harga (X2) secara simultan berpengaruh terhadap variabel tingkat kepuasan konsumen (Y) dibuktikan dengan menggunakan nilai f hitung lebih besar dari f tabel sebesar (112,037 > 3,09) dan nilai signifikan 0,000 < 0,05. Berdasarkan nilai adjusted R Square sebesar 0,723 atau 72,3% yang artinya tingkat kepuasan konsumen dipengaruhi oleh kualitas layanan dan persepsi harga sebesar 72,3% sedangkan sisanya sebesar 27,7% dipengaruhi oleh variabel lain diluar penelitian ini.

Efektivitas Kerja Karyawan KBIH Chairul Umam Dalam Meningkatkan Kepuasan Jemaah Shabika Musdalifah Dasril; Ambok Pangiuk; Ahsan Putra Hafiz
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 2 No. 1 (2024): Februari : 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.v2i1.268

According to the large Indonesian dictionary, effective means "able to bring results, successful in use" about efforts or actions. Can mean "already in effect" about laws or regulations. In the service sector, the human element plays a very important role in establishing relationships with consumers because the success of the company is determined by whether or not consumers are satisfied with the services provided. One of the service sectors engaged in fulfilling service needs is KBIH (Hajj Guidance Group). KBIH is a private institution authorized by the Ministry of Religion to participate in guiding the Hajj and Umrah pilgrimages. Where the author chose a research place at KBIH Chairul Umam. In this study the authors have research objectives, as follows 1. To find out the work effectiveness of KBIH Chairul Umam employees in increasing congregation satisfaction. 2. To find out the obstacles and solutions that KBIH Chairul Umam does in increasing congregation satisfaction. This research method is descriptive qualitative, through observation, interview, and documentation techniques. The results showed that 1. KBIH employee work Chairul Umam in increasing Jemaah satisfaction, it is known that the effectiveness of employee work has been carried out properly, namely work quality, discipline, cooperation, reliability, responsibility and utilization of working time. Customer satisfaction on several indicators shows that customers are satisfied with the quality of the product, the quality of service provided by KBIH Chairul Umam. 2. With good employee work effectiveness, obstacles that arise when doing work such as delaying work that can hinder other work can be overcome easily, be it obstacles from within the company or from outside the company. With information from the congregation and smooth communication between employees to employees and employees and superiors carried out to improve effectiveness at work and anticipate and find a way out of the obstacles that arise. The obstacles that arise can be overcome properly due to the quality of work, discipline, cooperation, reliability, responsibility and good utilization of working time so as to create a sense of satisfaction from the congregation.

ANALISIS STRATEGI PEMASARAN SYARIAH DALAM MENINGKATKAN OMSET PENJUALAN PADA USAHA IWA-QU DI KOTA JAMBI Zunita Putri Handayani; Ahsan Putra Hafiz
ICONS: Islamic Economics Journal Vol. 2 No. 2 (2025): ICONS : Islam Economics Journal
Publisher : Fakultas EKonomi dan Bisnis Islam UIN Sulthan Thaha SAifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/icons.v2i2.3256

Product quality is one of the factors considered by consumers in meeting their needs and in considering purchasing decisions. So that in increasing sales turnover in the Iwa-qu business, quality productsare needed. High-quality products and affordable prices will attract public interest so that it can be said that the sharia marketing strategy carried out by the Iwa-qu business is successful. The purpose of this study is to analyze the sharia marketing strategy carried out by the Iwa-qu business in increasing its sales turnover. This study uses a qualitative method, by means of interviews and documentation to produce the required data. Interviews were conducted with sources, namely the owner/leader of the Iwa-qu business in Jambi City, the production team and involving several consumers to assess the quality of the products from the Iwa-qu business. The results of the study indicate that there is a relationship between the sharia marketing strategy carried out by Iwa-qu and increasing sales turnover. By maintaining product quality, it can attract consumer interest and consumer satisfaction so that the marketing strategy carried out by Iwa-qu can be said to be successful and can increase sales turnover.

SERVICE QUALITY MANAGEMENT DALAM MENINGKATKAN PENDAPATAN USAHA PENJAHIT ROSDIATI KOTA JAMBI Vinesha Amanda; Ahsan Putra Hafiz
ICONS: Islamic Economics Journal Vol. 3 No. 1 (2026): ICONS : Islam Economics Journal
Publisher : Fakultas EKonomi dan Bisnis Islam UIN Sulthan Thaha SAifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/icons.v3i1.5814

This research aims to analyze the implementation of the Service quality model and Islamic values in service management at a home-based tailoring business owned by Mrs. Rosdiati in Jambi City. Operating since 2018, this microenterprise exemplifies how quality service can be harmonized with Islamic business ethics. The Service quality model developed by Parasuraman, Zeithaml, and Berry serves as the main analytical framework, consisting of five service quality dimensions: tangibles, reliability, responsiveness, assurance, and empathy. Field observations and interviews reveal that these dimensions are clearly reflected in the daily operations of the business. The tailoring shop maintains a neat and organized appearance (tangibles), delivers consistent and reliable services (reliability), responds quickly to customer requests (responsiveness), offers professional and trustworthy interactions (assurance), and shows genuine concern for customers‟ needs and conditions (empathy). Furthermore, this study incorporates Islamic values such as ihsan (excellence), maslahah (benefit), honesty, and accountability into the business operations. Mrs. Rosdiati adheres to principles of transparency and integrity, viewing her work as both a livelihood and a form of worship to seek blessings (barakah).

PERILAKU PEMBELIAN IMPLUSIF DI TIKTOK SHOP PADA MAHASISWA EKONOMI SYARIAH UIN STS JAMBI DALAM PERSPEKTIF EKONOMI SYARIAH Wahyu Ferdiansyah; Ahsan Putra Hafiz; Agusriandi
ICONS: Islamic Economics Journal Vol. 3 No. 1 (2026): ICONS : Islam Economics Journal
Publisher : Fakultas EKonomi dan Bisnis Islam UIN Sulthan Thaha SAifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/icons.v3i1.5815

This study aims to identify the forms of impulsive buying behavior among students of the Islamic Economics Study Program at UIN Sultan Thaha Saifuddin Jambi on the TikTok Shop platform and to analyze it from an Islamic economic perspective. The research background stems from the increasing prevalence of spontaneous purchasing behavior triggered by digital promotions such as flash sales and free shipping, despite students’ prior understanding of Islamic consumption principles. This research employed a qualitative method with a descriptive approach. The subjects were 32 active students from the 2022 cohort of the Islamic Economics Study Program. Data were collected through in-depth interviews, observations, and documentation, and analyzed using Miles & Huberman’s interactive model, which includes data reduction, data display, and conclusion drawing. The findings reveal that students’ impulsive buying behavior is driven by emotional impulses, ease of transactions, and aggressive promotional strategies on TikTok Shop. The forms of impulsive behavior identified include unplanned purchases, following trends, and buying due to limited-time promotions. Contributing factors include peer influence, visual advertising, large discounts, flash sales, and free shipping offers. From the perspective of Islamic economics, this behavior is considered inconsistent with the principles of tawazun (balance) and the prohibition of israf (extravagance) and tabdzir (wastefulness), as the purchased items often do not meet actual needs or provide minimal benefit.

PENGARUH PEMBIAYAAN SYARIAH TERHADAP PERTUMBUHAN UMKM DI KECAMATAN PAUH KABUPATEN SAROLANGUN Arya Ramadani; Ahsan Putra Hafiz
ICONS: Islamic Economics Journal Vol. 3 No. 1 (2026): ICONS : Islam Economics Journal
Publisher : Fakultas EKonomi dan Bisnis Islam UIN Sulthan Thaha SAifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/icons.v3i1.5827

This study aims to comprehensively analyze the influence of Islamic financing on the growth of Micro, Small, and Medium Enterprises (MSMEs) in Pauh District, Sarolangun Regency, with a particular focus on financing provided by Bank Syariah Indonesia (BSI) Simpang III Branch. The research employed a quantitative approach by distributing questionnaires to 96 MSME actors as respondents, and the collected data were processed using simple linear regression analysis with SPSS software. The findings indicate that Islamic financing has a positive and significant effect on MSME growth, as evidenced by the regression coefficient value of 0.836, a significance level of less than 0.05, and a coefficient of determination (R²) of 0.787. This result implies that 78.7% of the variation in MSME growth is influenced by Islamic financing, while the remaining 21.3% is affected by other factors such as managerial quality, market conditions, innovation capacity, and human resource competence. Thus, the hypothesis (H1) is accepted, confirming that Islamic financing significantly contributes to the development and income improvement of MSMEs. Moreover, this finding strengthens the role of Bank Syariah Indonesia not only as a financial institution but also as an agent of community economic empowerment based on sharia principles, which emphasize justice, blessing, and balance in business activities.

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