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All Journal Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Rafika Rahmawati
Program Studi Perbankan Syariah FAI UNISMA Bekasi
Religion Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Other

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Pengaruh Latar Belakang Pendidikan, Tingkat Religiusitas dan Kesesuaian Jurusan Terhadap Kinerja Karyawan Pada Bank Muamalat Indonesia Cabang Bekasi Annisa Fitria Hanif; Rafika Rahmawati
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 12 No 1 (2021): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v12i1.2630

Abstract

This study aims to determine the effect of educational background, level of religiosity, andsuitability of the department on employee performance at the Bank Muamalat Indonesia Bekasi branch.The independent variable consists of Educational Background, Religiosity Level, and DepartmentSuitability, while the dependent variable is Employee Performance. This study uses primary dataobtained from the questionnaire or questionnaire that has been filled in by all employees of BankMuamalat Indonesia Bekasi Branch who were sampled. The analytical methods used in this researchare the Data Instrument Test (Validity and Reliability Test), Multiple Linear Regression Analysis,Classical Assumption Test (Normality Test, Multicollinearity Test, and Heteroscedasticity Test), andHypothesis Test (T-Test, F-Test, and Coefficient of Determination). From the results of the t-test, itcan be concluded that partially the variables of Educational Background, Religiosity Level, andDepartment Suitability (Dummy) have a positive and significant effect on Employee Performance.And from the results of the F-test, it can be concluded that simultaneously the variables of educationalbackground, level of religiosity, and conformity of the department have a positive effect on employeeperformance.
Analisis Kualitas Pelayanan Antar Jemput Produk Tabungan Terhadap Tingkat Kepuasan Nasabah (Studi Kasus Pada BPRSyari’ah Harta Insan Karimah Cabang Cikarang) Suchi Wati Dewi; Rafika Rahmawati
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 12 No 1 (2021): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v12i1.2632

Abstract

The development of Islamic banks this time, the quality of service and customer satisfaction isa key factor that will become a competitive advantage of a company. Therefore a company is largelydetermined by the ability of banks to provide the best quality service compared to its competitors.This research is a descriptive qualitative approach. The object of this research is BPRS Harta InsanKarimah Branch Of Cikarang. While the subject is a customer of BPRS Harta Insan Karimah BranchOf Cikarang, amounting to 5 (five) people with 1 (one) the informant of BPRS Harta Insan KarimahBranch Of Cikarang. Methods of data collection by observation, interview and documentation. Forvalidation data using triangulation sources. Data analysis techniques there are three, namely: DataReduction, Presentation Of Data, and nteresting Conclusion and Verification. These results indicatethat (1) the service quality of BPRS Harta Insan Karimah Branch Of Cikarang is quite satisfactory forour customers. However,there are still factors that make customers feel quite satisfied, namely on timeconstraints. (2) There are four factors that determine the quality service pick-up of savings productson customer satisfaction at BPRS Harta Insan Karimah Branch Of Cikarang, namely Responsivness,Reliability, Assurance, and finally Emphaty (Empathy). (3) The quality level of savings product pick-upon customer satisfaction is carried out by BPRS HIK Cikarang Branch, namely by providing the bestquality service and fulfilling customer desires with that customers will be satisfied with the servicesprovided by BPRS HIK Cikarang Officers.
Analisis Perbandingan Kinerja Keuangan Perbankan Sebelum dan Sesudah Penerapan Good Corporate Governance Pada PT. BANK BJB SYARIAH, TBK Fyla Malik AL Aziz; Rafika Rahmawati
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 10 No 1 (2019): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v10i1.2747

Abstract

The study analyzed the financial performance conditions of BJB Syariah Bank before and afterthe implementation of GCG through measurement variables of ROA, BOPO, and CAR. The methodused to obtain research data is quantitative data methods. The ratios used to measure the financialperformance of Bank BJB Syariah are ROA, BOPO, CAR. Data analysis in this study is using datanormality test and hypothesis testing using paired sample t-test. Nowadays it shows that the financialperformance condition of Bank BJB Syariah for ROA after the application of GCG is better than theROA before the implementation of GCG with an average ROA after 0.0500%> than the average ROAbefore GCG which is 0.0150%. BOPO after GCG implementation is better than BOPO before GCGimplementation with an average BOPO after GCG 111.2500%> than the average BOPO before GCG9.5000%. CAR before GCG implementation is better than CAR after GCG implementation with anaverage CAR before GCG 34.5000%> than the average CAR after GCG 18.5000%. Based on theresults of the data normality test that has been done, it is found that the data is normally distributed.Hypothesis test results using the Paired Sample t-test, namely for the ROA ratio there is no significantdifference to the financial performance of BJB Syariah Bank before and after the implementation ofGCG with a significance value of ROA 0.015> 0.05. There is no significant difference in the BOPOratio on the financial performance of Bank BJB Syariah before and after the implementation ofGCG with a significance value of BOPO 0.226> 0.05. The CAR ratio is a significant difference tothe financial performance of Bank BJB Syariah before and after the implementation of GCG with asignificant value of CAR, namely 0.001 <0.05.
Analisis Pengungkapan Corporate Social Responsibility Bank Syariah di Indonesia Berdasarkan Islamic Sosial Reporting Index Irna Malikhatun; Rafika Rahmawati
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 10 No 2 (2019): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v10i2.2754

Abstract

This study aims to analyze the effect of Corporate Social Responsibility (CSR) for IslamicCommercial Banks using the Islamic Social Reporting Index (ISR) method. The research period usedis 2016-2019. This study uses a quantitative approach. The research population includes all IslamicCommercial Banks (BUS) that publish Annual Reports on their respective websites during the 2016-2019 period. The sample was determined by purposive sampling and obtained 13 Islamic CommercialBanks. The results of this study indicate that of the 13 Islamic Commercial Banks disclosed during2016-2019 that each bank has a different level of disclosure. Bank Mumalat Indonesia and BankSyariah Mandiri received the title Very Informative while Bank Panin Dubai Syariah, Bank AcehSyariah, BNI Syariah, BRI Syariah, BCA Syariah, Mega Syariah, BJB Syariah produced Informativepredicate. Meanwhile, BTPN Syariah, Bukopin Syariah, Bank Net Syariah and Bank Victoria Syariahreceived the title of Less Informative.
Efektivitas Program Perumahan Bersubsidi Pada Produk KPR BTN Sejahtera iB (Studi Kasus: Bank Tabungan Negara Kantor Cabang Syariah Bekasi) Fuji Rahayu; Rafika Rahmawati
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 11 No 1 (2020): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v11i1.2759

Abstract

The purpose of this study was to determine “The Effectiveness of the Subsidized Housing Programon KPR BTN Sejahtera IB Products (Case Study: Bank Tabungan Negara Bekasi Sharia BranchOffice)”, this research includes field research (field research) with qualitative methods and supportedby library research (library research). ) relating to the effectiveness of the subsidized housing programon KPR BTN Sejahtera IB products. Data collection techniques for this study consisted of observation,interviews, and documentation. As well as data analysis techniques for this thesis research usingtechniques: data reduction, data presentation and drawing conclusions. Measurement of effectiveness,seen from three factors, namely: first, convenience, second, target accuracy, and third, affordability.Based on the results of the research, it shows the effectiveness of the subsidized KPR program, namelythe convenience factor because the requirements, processes, forms of service, and administrative costshave been effective and affordable because it is easy for the public to obtain information about KPRBTN Sejahtera IB at Bank Tabungan Negara Bekasi Sharia Branch Office, monthly installments. ,details and total costs during the contract that are not burdensome, payment facilities have helpedcustomers, and there are no sanctions or fines if they experience arrears in payments every month,while the ineffectiveness is seen in the factor of the accuracy of targeting because many customerswho take the subsidized housing program are not occupied but only for investment. Therefore, it mustbe improved in all its aspects in order to produce optimal effectiveness for the subsidized housingprogram on the KPR BTN Sejahtera IB product at the Bekasi Sharia Branch Office State Savings Bank.
ANALISIS SWOT PENGEMBANGAN PRODUK GRIYA TAKE OVER PADA BANK SYARIAH MANDIRI Azizah Maulidiah; Rafika Rahmawati
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 12 No 2 (2021): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v12i2.3207

Abstract

PT. Bank Syariah Mandiri Bekasi Area Office one of its products is Griya Take Over which aims to develop Griya product financing. This research was conducted to analyze the strategy to increase the financing of the take over home products at PT. Bank Syariah Mandiri Bekasi Area Office. The analysis used to increase the financing of the take over home by conducting internal and external analysis to develop a strategy using SWOT. This type of research uses descriptive qualitative research with data collection techniques using observation, interviews and documentation. The results of the research on increasing Griya Take Over products are in quadrant I, namely the SO quadrant. From the calculation of the combination strategy, it was found that the highest value was the SO combination with an acquisition value of 4.826, which consisted of introducing the advantages of Griya Take Over products, building a strong brand image in the minds of the people by utilizing events. and exhibition events and make advertisements and brochures as well as print or electronic media.
ANALISISPENGARUH PEMBIAYAAN MURABAHAH TERHADAP OMZET UMKM (STUDI KASUS PADA PT BPRS HARTA INSAN KARIMAH CABANG CIKARANG) Erisma Venny Mursidah; Rafika Rahmawati; Arief Widyananto
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 12 No 2 (2021): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v12i2.3209

Abstract

This study aims to analyze the effect of murabahah financing at BPRS Harta Insan Karimah Cabang Cikarang branch on changes in turnover of micro, small and medium enterprises and to find out how big the difference in customer turnover before and after receiving murabahah financing. The research methodology used is a quantitative approach. The sampel used is micro, small and medium-sized financing customers of BPRS Harta Insan Karimah Cabang Cikarang branch in 2018 as many as 70 respondents with various types of businesses. The results of this study indicate that partial murabahah financing has a positive and significant effect between the variables of murabahah financing on micro, small and medium enterprises turnover
Co-Authors Annisa Fitria Hanif Arief Widyananto Azizah Maulidiah Erisma Venny Mursidah Fuji Rahayu Fyla Malik AL Aziz Irna Malikhatun Suchi Wati Dewi