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Optimizing BSI Mobile Banking Services to Increase Satisfaction with Transaction Services for IAIN Madura Sharia Banking Study Program Students With a SWOT Analysis Approach Lailiyah, Istiq; Umam, Khotibul; Fahrurrozi, Fahrurrozi; Sakinah, Sakinah; Hakim, Lukmanul
International Conference on Islamic Economic (ICIE) Vol. 3 No. 1 (2024): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v3i1.321

Abstract

This research is presented to contribute to what business strategies Bank Syariah Indonesia can optimize in optimizing BSI mobile services for transaction satisfaction using a SWOT analysis approach. Data analysis was carried out by exploring data through observation, interviews and documentation, which was followed by a data reduction process, testing data validity and drawing conclusions. Based on the results of the SWOT analysis, researchers found that BSI mobile banking services are currently at coordinates 0.70; 0.51, where these coordinates are in quadrant 1, namely an aggressive strategy. This strategy shows the situation that BSI bank can optimize BSI mobile banking services in increasing satisfaction by using all their strengths to take advantage of existing opportunities. One of these strategies can be in the form of (1) Improving the quality of products and service features (2) Maintaining the satisfaction of existing customers by improving the quality of transactions that are safe, precise and fast, (3) Increasing the security protection of customer data, (4) Evaluating feedback from past and current customers in designing future market share, (5) Strengthening promotional tools in introducing the benefits of BSI Mobile Banking service features, and (6) Reaching potential new customers in expanding market expansion .
PERLINDUNGAN HUKUM BAGI AHLI WARIS PEMBELI TANAH DENGAN ALAS HAK LETTER C Karyani, Sri; Umam, Khotibul
JOURNAL EQUITABLE Vol 9 No 2 (2024)
Publisher : LPPM, Universitas Muhammadiyah Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37859/jeq.v9i2.6874

Abstract

Sertifikat adalah bukti sah dari kepemilikan tanah menurut hukum tanah Indonesia, realitas di lapangan menjelaskan masih ada persepsi di masyarakat yang menganggap Letter C sebagai tanda kepemilikan tanah. Penelitian ini bertujuan untuk mengetahui dan menganalisis pertanggungjawaban pihak terkait dalam jual beli tanah Letter C, serta perlindungan hukum bagi ahli waris pembeli yang memiliki sertifikat hak milik tanpa pencoretan di Buku Letter C. Menggunakan metode normatif empiris, penelitian ini menggabungkan data primer dari lapangan dan data sekunder dari studi dokumen. Hasil penelitian menunjukkan bahwa Kepala BPN berperan penting dalam memastikan proses jual beli tanah Letter C berlangsung dengan dokumen yang sah. Pencoretan dalam Buku Letter C, sebagai tindakan administratif oleh BPN, mencatat perubahan kepemilikan tanah. Ahli waris dengan sertifikat hak milik belum dicoret dapat melindungi haknya melalui jalur hukum, menegaskan perlindungan hukum atas kepemilikan tanah tersebut.
Konsep Good Governance Dalam Transparansi Anggaran Dana Partai Politik Perspektif Fiqh Siyasah Alfan, Thariq; Umam, Khotibul; Anwar, Iskandar Fahmi; Qomaruzzaman, Ahmad
Sosio Yustisia: Jurnal Hukum dan Perubahan Sosial Vol. 4 No. 1 (2024): May
Publisher : Magister Hukum Tata Negara Pascasarjana UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/sosyus.v4i1.576

Abstract

The level of public trust in political parties in Indonesia is currently experiencing a decline due to the lack of transparency by political parties regarding financial reports, activities, and the membership structure of political parties. This is exacerbated by many individuals within political parties who are involved in corruption cases or misappropriation of party funds. As a result, the public expects that the budgets of political organizations must be transparent for the public to trust political parties, which are organizations that reflect the hopes and desires of society. The current study seeks to grasp political parties' attempts to attain budget transparency to actualize the concept of good governance from the standpoint of fiqh siyasah. This study is a juris-normative study, which is a legal study that is constructed conceptually through law-in-books by exploring legal and non-legal literature. According to the findings of this study, budget transparency in political parties is one aspect of achieving good governance. In fiqh siyasah, budget transparency is an obligation as ordered by Allah SWT through QS. al-Baqarah (2): 282 and 283. In addition, some hadiths describe the nature of Abu Bakr Ash Siddiq's openness in managing the finances of Baitul Mal. Therefore, transparency of the fund's budget is an obligatory effort by every political party in Indonesia to ensure good governance.
THE PERCEPTIONS OF SEMARANG FIVE STAR HOTEL TOURISTS WITH SUPPORT VECTOR MACHINE ON GOOGLE REVIEWS Aufan, Muhammad Haikal; Handayani, Maya Rini; Nurjanna, Afifah Basmah; Wibowo, Nur Cahyo Hendro; Umam, Khotibul
Jurnal Teknik Informatika (Jutif) Vol. 5 No. 5 (2024): JUTIF Volume 5, Number 5, Oktober 2024
Publisher : Informatika, Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52436/1.jutif.2024.5.5.2025

Abstract

Travelers on the road sometimes need a hotel to rest. In choosing a hotel, they refer to the ratings or reviews written by users through reviews on Google. This is because not all star hotels provide facilities in accordance with user assessments. This study discusses the analysis of the opinions of tourists who have stayed in 5-star hotels in Semarang through a review of commentary data on Google. The 5-star hotels used as the research are Padma, Gumaya, Tentrem, Grand Candi, Ciputra, and PO. The dataset of the six hotels was obtained through a scraping process then followed by data pre-processing. The data was retrieved from Google Maps using the Chrome Instant Data Scrapper extension. Data preprocessing begins with case folding, tokenizing, filtering, and ends with stemming. Support Vector Machine (SVM) is implemented for sentimen classification process. The results from this study are the majority of 5-star hotel reviews in Semarang tend to have positive rather than negative sentimens. Our model was able to produce an accuracy of 0.87 to 0.98. The highest accuracy was achieved by Ciputra Hotel at 0.98 with 543 positive reviews.
Peran Dinas Tenaga Kerja dan Transmigrasi Provinsi Jambi dalam Mengurangi Angka Pengangguran Menggunakan Website Sibakol Nurzahwa, Cindy Lusiana; Marlina, Lilis; Azzahra, Lilisa; Munira, Munira; Jadid, Miftahul; Rizky, Muhammad; Umam, Khotibul; Aini, Quratul
Innovative: Journal Of Social Science Research Vol. 4 No. 4 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i4.12534

Abstract

This research examines the role of the Jambi Province Manpower and Transmigration Service in reducing unemployment through Sibakol Website innovation. The Sibakol website, as a job search platform, is designed to make it easier for individuals to find suitable job opportunities. This study uses data analysis of registered users on the Sibakol website from 2020 to 2023 to assess its effectiveness in connecting job seekers with available job opportunities. The research results show that Sibakol has made a significant contribution to reducing unemployment rates in Jambi, with an increasing number of Sibakol users who have succeeded in finding work through this platform. Digital innovations such as Sibakol have the potential to become an important tool in local government strategies to overcome unemployment problems and improve community welfare. The research method used is descriptive qualitative with an inductive approach. Data was collected through observation, interviews and documentation. The research results show that the Sibakol Website has made a significant contribution in matching job seekers with available job opportunities, although there are still several obstacles in its implementation. The Department of Manpower and Transmigration plays a role not only as a facilitator but also as a liaison between job seekers and job providers, with the hope of gradually reducing the unemployment rate.
MENGENDALIKAN INTENSITAS GLARE MATAHARI MENGGUNAKAN SUN-SHADING SISTEM GESER PADA BUKAAN JENDELA Choirul Anam; Irwan Sudarisman; Khotibul Umam; Muhammad Fauzan Maulidhani; Muhammad Ridho Satria
Jurnal Cahaya Mandalika ISSN 2721-4796 (online) Vol. 4 No. 2 (2023)
Publisher : Institut Penelitian Dan Pengambangan Mandalika Indonesia (IP2MI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/jcm.v4i2.2139

Abstract

In the current era, there have been various innovations in the field of design, including in interior design. One innovation that stands out in interior design is the use of sunshading, which is part of the opening element. In the context of a house, increasing the number of openings can increase the penetration of natural light into the room, along with the possible increase in temperature. In addition, the ability to dampen the heat generated by sunlight can also reduce the need for cooling, thus having a positive impact on more efficient energy use. Attention should also be paid to the glare factor, as excessive brightness can affect comfort levels. There are many examples of houses and structures that are close together in an area, but have notable differences in their architectural design. Therefore, the planning of building facades needs to consider the design of sun shading devices that are able to control the intensity of incoming sunlight, apart from its benefits in terms of interior aesthetics, sun shading is also able to create a pleasant visual experience for the eyes and contribute as an aesthetic element in the room.
SEJARAH PEMBANGUNAN HUKUM PERBANKAN SYARIAH DI INDONESIA Umam, Khotibul
Veritas et Justitia Vol. 6 No. 2 (2020): Veritas et Justitia
Publisher : Faculty of Law, Parahyangan Catholic University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25123/vej.v6i2.3629

Abstract

In this article the author traces the historic development of Islamic or sharia banking in Indonesia and this will be done by analysing the evolution of a series of successive laws promulgated over time.  From these laws (Law Nos. 7/1992; 10/1998 and 21/2008) we can discern, how over the years, the Indonesian government gradually accept and recognized sharia banking principles, resulting in the establishment of Sharia Banks alongside conventional Banks.  These successive laws also shows the gradual process of policy changes which involves a top-down, bottom up and again a top down approach. Through this process, Sharia Banks develops in Indonesia and has been able to meet society’s need not only for a modern banking system, but also more importantly, providing banking services in line with the sharia. 
IMPLIKASI YURIDIS TRANSFORMASI UNIT SYARIAH PERUSAHAAN ASURANSI/REASURANSI KE DALAM PERUSAHAAN ASURANSI/REASURANSI SYARIAH Umam, Khotibul
Veritas et Justitia Vol. 7 No. 2 (2021): Veritas et Justitia
Publisher : Faculty of Law, Parahyangan Catholic University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25123/vej.v7i2.4336

Abstract

In this article the author examines the juridical implications of transforming Units of Insurance/Reinsurance Company into Sharia Insurance/Reinsurance Company. It peruses two different models, the pure model, and the acquisition model.  Both have its own strong and weak points. The pure models show its strongest point in being simpler about Sharia compliance.  Its weakness, however, is the requirement of priory obtaining permit in principle and business permits.  In contrast, the superiority of the acquisition model lies in its simplicity of licensing and conversion permits. Its disadvantage is in the complexity of contract conversion.  Regarding assets and liabilities, strict adherence to the Sharia principles, voluntarisms, and avoidance of the mixing of halal and haram, is a pre-requisite
Implementasi Manajemen Risiko KSPPS Alfa Nusa Barru Kebumen dalam Meminimalisir Pembiayaan Bermasalah umam, Khotibul
Krigan: Journal of Management and Sharia Business Vol. 1 No. 2 (2023): Desember 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/krigan.v1i2.7612

Abstract

Tujuan dari penelitian ini adalah untuk mengidentifikasi faktor timbulnya  pembiayaan bermasalah serta penerapan manajemen risiko dalam upaya meminimalisir pembiayaan bermasalah di KSPPS Alfa Nusa Barru. Metode penelitian dalam penelitian  adalah kualitatif. Subyek penelitiannya adalah Manager serta dua orang dari bagian pembiayaan dan bagian marketing. Teknik pengumpulan data yang dilakukan adalah observasi, wawancara, dan dokumentasi. Teknik analisis data yang digunakan dengan  mereduksi data, menyajikan data, dan menarik kesimpulan. Penelitian ini menunjukkan hasil seperti faktor penyebab pembiayaan bermasalah meliputi faktor internal dan faktor eksternal. Untuk penerapan manajemen risiko yang dilalukan adalah indentifikasi risiko, penilaian risiko, memonitoring risiko, dan mengendalikan risiko. Berdasarkan eempat langkah manajemen risiko tersebut antara lain yaitu analisis 5C serta pengisian dokumen, pengelompokan atau klasifikasi financing, tindak lanjut anggota, tindak lanjut keuangan dan pemasaran untuk mengingatkan anggota, langkah yang dilakukan untuk menyelesaikan  kredit macet yang dilakukan di KSPPS Alfa Nusa Barru mengatur ulang sumber daya keuangan dan membantu menjual jaminan anggota.
Analisis SWOT Pembelajaran Pendidikan Agama Islam pada Kurikulum Merdeka di Sekolah Penggerak Alfarizi, Lutfi; Umam, Khotibul; Fathiyaturrahmah, Fathiyaturrahmah
Scaffolding: Jurnal Pendidikan Islam dan Multikulturalisme Vol. 4 No. 1 (2022): Pendidikan Islam dan Multikulturalisme
Publisher : Institut Agama Islam Sunan Giri (INSURI) Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/scaffolding.v4i1.4623

Abstract

This research aims to identify strengths and weaknesses, as well as opportunities and threats in PAI learning at SMP 11 Ma'arif Bangsalsari Jember. Thus, the school can find appropriate and measurable steps to make decisions. In this study, a qualitative research approach was used with the SWOT matrix analysis method. The data used were taken from respondents who had filled out a questionnaire prepared by the researcher. The data were then grouped based on SWOT aspects and analyzed using the SWOT matrix approach. The results of this study show that in the internal aspect, the independent curriculum gives freedom to PAI teachers to develop a learning process that can be adapted to the needs of students. However, the weakness found is the limited resources and facilities in the institution that greatly affect the learning process. In the external aspect, PAI learning has a wider opportunity to develop Islamic religious values according to individual abilities. However, the threat is that differences in interpretation between teachers can cause conflicts that lead to disunity, which can reduce the intensity and quality of PAI learning. Based on these internal and external aspects, there are several steps that PAI teachers should take. First, teachers need to innovate in PAI learning optimally. Second, teachers need to expand relationships with the community and clerics to improve social competence. Third, PAI teachers must have enthusiasm and continue to improve professionalism in carrying out academic duties. Fourth, teachers need to increase support from the education office and school leadership in facilitating PAI learning activities. Fifth, PAI teachers need to improve their ability and cohesiveness in understanding the implementation of the independent curriculum. Sixth, teachers need to improve quality in the realm of professionalism and understanding of the concept of religious moderation. Seventh, teachers need to be equipped with skills in developing interesting and effective PAI learning for students. Eighth, teachers need to communicate with school leaders and the education office to provide and prepare supporting facilities in PAI learning.
Co-Authors AA Sudharmawan, AA Abd. Muhaimin Abd. Muhith Abdul Aziz Abdul Bari Abdul Muhid, Abdul Abdurrohman, Abdurrohman Achmad Basuki Achmad Fiqhi Ibadillah Achmad Rafiul Umam Adi Yusuf Adrianto Dwi Nugroho Agung Prasetyo AGUS SETIAWAN Ah Yusuf, Ah Ahmad , Arrisal Khoirudin Ahmad Fauzan Mubarok Ahmad Tubagus Surur Ahmat Wakit Aini, Quratul Ainul Yaqin Akhiroh, Puji Al Faruq, Allamuddin Alfan, Thariq Alfarizi, Lutfi Ali Ridho Barakbah Alim, Iman Nur Alim, Jawad Syahirur Allamuddin Al Faruq Amellia Mardhika Aminullah, Agus Amir Mahmud Amirul Mukminin Ana Pratiwi Andhika Fahdkhansyah Andryadi Andung Jati Nugroho Anestasia Pangestu Mei Tyas Anwar, Iskandar Fahmi Apriliyani, Meli ARIF HIDAYAT Ariyanto Ariyanto Ariyanto Arpilleda, Alcher J. Asiya, Siti Asnawan Asnawan, Asnawan Asriatik‎, Asriatik‎ Aufa, Muhammad Fikri Aufan, Muhammad Haikal Azhari, Muhammad Holqi Rizki Azizi, Nadya Apriza Azzahra, Lilisa Baili Berlian Widya Tama Berlian Widya Tama Brian Maualan, Husni budi hartono Choirul Anam Decky Rochmanto Decky Rochmanto, Decky Dewi Astriany Dewi, Tantri Tristiana Dhani, Ahmad Dhian Marhaendri Kakantini Diah Nuraini Diah Ratna Sari Dian Eko Santoso Diana Rahmawati Dyah Purbaningrum Eko Kurniasih Pratiwi EKO WAHYUDI El Amin, Faris Endah Sri Wijayanti Fadilah Hasanah, Fadilah Fadliyah, Lailatul Fadllan Fadllan Fahmi Husaeni Fahmi Medias Faizah, Nur Laili Falah, Moh. Zainul Fanni Okviasanti Faqih, Nasyiin Fara Fitriatul Fauziah Faraasyatul ‘Alam, Ghasa Farid, Mohtazul Farihah, Umi Fatchur Roehman Fathiyaturrahmah Fatichatus Sa’diyah Fatmawati, Erma Fauzan . Febriani, Ayu Ferry Efendi Fitri Kartiasih Furqon, Imahda Khoiri Ghafur, Muhammad Gojali, M. Imam Gunawan, Jujun Guntoro, Aldi Habibah, Mita Nur Haniah Ilhami Hari Dwi Utami Harianto, Rony Haridah, Haridah Hasnah Haron Hendik, Ach. Hidaayah, Nur Hidayati, Novi Itsna Hilma, Auliya hilmatunniyah, saqifah Hilmi Taftajani Hoiruddin, Hoiruddin Holil, Moh I Nyoman Budiono Ilham Bustomi Ilkafah Ilkafah, Ilkafah Imron Fauzi Inayah, Muhti Nur Indira Murty, Maulida Inqidloatul Amaniyah Intan Bungo Islami Irfan Bukhori Irfan, Didin Ali Irma Erika Herawati Irwan Sudarisman Iswatun Iswatun Jadid, Miftahul Joko Susanto JOKO SUSANTO Julianto‎, Julianto‎ Junaidi Junaidi Juwaidah Sharifuddin Kakantini, Dhian Marhaendri Kalamika, Arin Mamlakah Kartika, Aprilia Ayu Karyani, Sri Khoirul Adib Khotibul Umam Kurniawati, Pratiwi Lailiyah, Istiq Lia Faridah Lidyana, Novita Lukmanul Hakim Lutfiandini, Cherlys Tin Luthfi, Moh. M.Farm., Apt., 1 Drs. Cece Supriatna, Maemonah, Maemonah Mahdi, Nisful Makhfudli Makhfudli maksunah, Unstiati Mariani, Hulya MARLINA, LILIS Maskur Masluri Masnida Masnida Maya Rini Handayani Medawati, Riris Meri Rahmi Mochammad Ilham Rohwandi Moh Fausi Moh Muslimin Moh. Fakhri Siddiqi Moh. Sahlan Mohamad Erihadiana, Mohamad Mohammad Hefni Mokhammad Iklil Mustofa Mu'allimin, Mu'allimin Mu'is, Abdul Muhadzib Al-Faruq, Muhammad Naufal Muhamad Ihsan Muhammad Fauzan Maulidhani Muhammad Haikal Zaki Muhammad Ridho Satria muhammad rizky, muhammad Muhammad Saiful Anwar Muhrodi, Muhrodi Mujianto, Ahmad Heru Mukti, Doni Karisma Munana, Nila Munira Munira, Munira Muqaimatul Badriyah Murady, Iklimah Mursalim Mursalim Mustajab , Mustajab Musyaffaq, Mirza Izzal Nahdhudin, Muhammad Najibur Rohman Nanang Febrianto Nasution, Muhammad Guntur Hamonangan Nasution Nisa’ Andawiyah, Khoirun Nisa’, Khoirun Nofiawaty Nofiawaty Noor Miyono Nor Laila, Azzah Nur Aima Shafie Nur'Aini, Siti Nurjanna, Afifah Basmah Nurjannah, Riska Nurul Fauziyah Nurul Istiqomah Nurzahwa, Cindy Lusiana Nur’aini, Siti Obianto, Agung Oktarina, Kurnia Paramadita, Yayuk Prasetya, Herry Puguh Priyo Sugeng Winarto putri lathifah, shofi Putri, Nadia Azalia Qomariah, Lailatul Qomaruddin, Mochammad Qomaruzzaman, Ahmad Rachmatullah Rahmat Busono, Milzam Ramdani, Idan Rangga Sidiq Permana raudatul jannah Rendy, Oktarisa Aviska Rindayati, Rindayati Rini Handayani , Maya Risfayanti, Iffa Riza Alfita Rofiki, Ahmad Rohmah, Zaidatur Rohman Rohman Rohman Rohman, Najibur Rohmatin, Aris Rohwandi, Moch Ilham Rony Harianto Rony Harianto Rony Wijanarko Rosita, Indah Rukanah, Rukanah Rumini - S.Farm., M.HKes., Apt., Rizki Rahmah Fauzia, Sabli, Muhammad Sadiyah, Fatichatus Said Junaidi Saiful Bakhri Sairozi, Ali Sakinah Sakinah Sandra, Edhy Saputro, ST., MT., Yayan Adi Saputro, Yayan Adi Sari, Ika Auliya Saskia Narulita SETIAWAN, Ahmad Shalihah, Imra’atus Shiska Fauziah Shofi, Rubangi Siswahyudianto Siti Hasanah Siti Kadariah Siti Nur Aini, Siti Nur Siti Sofro Sidiq solichin, nur mifchan St Mislikhah Subaidi Subaidi, Subaidi Subakri Subakri Sucipto Sucipto Sudharto Sudharto Sufiya, Ikhwanus Sufiyanto, Mohammad Imam Sugeng Kurniawan Suhaimi, Annisa Suhardi, Andi Sukri, Hanifudin Sulistyowati Suwardi, Ahmad Syafiuddin Syafiuddin Syaiful Rizal Syamsuddin Syifa, Achrijal Shohib Arya Tama, Berlian Widya Tarsono Tarsono Tarsono Taufiq Akbar, Imam Tira Roesdiana TRI CAHYO UTOMO TRI CAHYO UTOMO Triyana Triyana Ubaidillah Ubaidillah Ubaidillah, Achmad Umarul Faruq Umi Baroroh, Umi Wahyu Tri Handoko Wau, Taosige Wenty Dwi Yuniarti, Wenty Dwi widias tuti, iin Winoto, Suhadi Wulan Suci Ramadhaniah Yulia Friska, Sonia Yulkarnain Harahab Yunus Yunus Yustianingsih, Heni Yusuf, Muhammad Zulfikar Zaim, Mohamad Zaim Zurni Rizqiyati