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All Journal Jurnal Pendidikan Ekonomi (JUPE) Ulul Albab: Jurnal Studi Islam Jurnal Ekonomi Modernisasi el-Jizya: Jurnal Ekonomi Islam An-Nisbah: Jurnal Ekonomi Syariah Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah Perisai : Islamic Banking and Finance Journal al-Uqud : Journal of Islamic Economics Fokus Ekonomi Dinamis : Journal of Islamic Management and Bussiness MALIA Khatulistiwa: Journal of Islamic Studies TSAQAFAH Nizham Journal of Islamic Studies Amwaluna Jurnal Ekonomi dan Keuangan Syariah At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman ECOPLAN : JOURNAL OF ECONOMICS AND DEVELOPMENT STUDIES Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Ekonomi Manajemen Sistem Informasi Community Engagement and Emergence Journal (CEEJ) Oeconomicus Journal of Economics Airlangga International Journal of Islamic Economics and Finance Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Jurnal Investasi Islam MUSLIMPRENEUR : Jurnal Ekonomi dan Kajian Keislaman Balance: Journal of Islamic Accounting el-Jizya: Jurnal Ekonomi Islam Jurnal Teknologi dan Manajemen Industri Terapan Abadi: Jurnal Ahmad Dahlan Mengabdi International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) Indonesian Economic Review IIJSE International Journal of Islamic Economics (IJIE) An-Nisbah: Jurnal Ekonomi Syariah Journal of Islamic economics Perspectives (JIEP) Balance: Journal of Islamic Accounting Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Interdisciplinary Journal of Advanced Research and Innovation Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Ekonomi, Manajemen, Akuntansi Journal of Economic and Business

Rokhmat Subagiyo

Universitas Islam Negeri Sayyid Ali Rahmatullah

Author-ID : 4102465

Religion Arts Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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PENGARUH DANA PIHAK KETIGA DAN JUMLAH PEMBIAYAAN TERHADAP LABA BANK SYARIAH MANDIRI Fauziah Durotul Masruroh; Rokhmat Subagiyo
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 7, No 1 (2019)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

AbstractThe main function of the bank as an intermediary is to collect third party funds which are the largest source of funds for the banking sector, while financing as one of the sources of income obtained from margin or profit sharing. This study aims to find out how much influence third party funds and the amount of financing to profit Bank Syariah Mandiri. The research method uses quantitative research and associative research types. The data used are secondary data obtained from Bank Syariah Mandiri monthly financial statements from 2013-2017. While the data analysis techniques in this study are data normality test, classic assumption test, multiple linear regression analysis, T test, F test and coefficient of determination analysis using SPSS version 23. The results of the study show that (1) Third party funds have no significant effect on profit of Bank Syariah Mandiri. (2) The amount of financing does not have a significant effect on the profit of Bank Syariah Mandiri. (3) Third party funds and the simultaneous amount of financing have no significant effect on the profit of Bank Syariah Mandiri.AbstrakFungsi utama bank sebagai lembaga intermediary dengan menghimpun dana pihak ketiga yang merupakan sumber dana terbesar bagi perbankan, sedangkan pembiayaan sebagai salah satu sumber pendapatan yang diperoleh dari margin atau bagi hasil. Penelitian bertujuan untuk mengetahui seberapa besar pengaruh dana pihak ketiga dan pembiayaan terhadap laba Bank Syariah Mandiri. Metode penelitian menggunakan penelitian kuantitatif dan jenis penelitian asosiatif. Data yang digunakan adalah data sekunder yang diperoleh dari laporan keuangan bulanan Bank Syariah Mandiri tahun 2013-2017. Sedangkan teknik analisis data dalam penelitian ini uji normalitas data, uji asumsi klasik, analisis regresi linier berganda, uji T, uji F dan analisis koefisien determinasi dengan menggunakan aplikasi SPSS versi 23. Hasil penelitian menunjukkan bahwa (1) Dana pihak ketiga tidak berpengaruh signifikan terhadap laba Bank Syariah Mandiri. (2) Jumlah pembiayaan tidak berpengaruh signifikan terhadap laba Bank Syariah Mandiri. (3) Dana pihak ketiga dan jumlah pembiayaan secara simultan tidak berpengaruh signifikan terhadap laba Bank Syariah Mandiri.

Nilai Filosofi Doa Dalam Ekonomi Syariah Muhammad Khoirul Malik; Rokhmat Subagiyo
TSAQAFAH Vol 16, No 1 (2020): Islamic Economics
Publisher : Universitas Darussalam Gontor

AbstractThis article describes the philosophical values of supplication (dua) carried out by each business actor and its relation in the context of carrying out islamic economics. As an inseparable part of the survival efforts of a Muslim, islamic economics practices cannot be separated from the ritual of dua as a need to get blessings and happiness in the world and the hereafter. Dua becomes an important element in the implementation of islamic economics in order to minimize the occurrence of behavior deviations, such as dishonesty, selfishness, cheating, and gain profits by justifying any means. An understanding of the philosophical value of dua for a Muslim is required in each of his economic activities, so that he is always aware and remains in the corridor of islamic economics implementation. The study concludes that dua has a philosophical value teaching every Muslim to pray (dua) in their economic activities. Knowledge of the philosophical value of dua in islamic economic practices is important, because religion requires people to remember good attitude and behavior, be honest, willing to work hard and be aware that the ultimate goal of economic activities is intended to get a blessing and happiness in life in the world and the hereafter.Keywords: Philosophical Values, Supplication, Business Actors, Islamic Economics. AbstrakArtikel ini menjelaskan tentang nilai-nilai filosofi doa yang dilakukan oleh setiap pelaku usaha dan relasinya dalam konteks menjalankan ekonomi syariah. Kegiatan ekonomi syariah sebagai bagian tak terpisahkan dari upaya keberlangsungan hidup seorang Muslim tidak dapat terlepas dari ritual doa sebagai kebutuhan untuk mendapatkan keberkahan, kebahagiaan dunia dan akhirat. Doa menjadi unsur penting dalam pelaksanaan ekonomi syariah guna meminimalisir terjadinya penyimpangan perilaku dalam kegiatan ekonomi syariah seperti ketidakjujuran, egois, kecurangan, dan meraih keuntungan dengan menghalalkan segala cara. Pemahaman terhadap nilai filosofi doa bagi seorang Muslim diperlukan dalam setiap kegiatan ekonominya agar selalu sadar dan berada pada koridor pelaksanaan ekonomi syariah yang benar. Hasil kajian ini menyimpulkan bahwa doa memiliki nilai filosofi yang mengajarkan kepada setiap Muslim untuk berdoa di setiap aktifitas ekonominya. Pengetahuan akan nilai filosofi doa dalam praktek ekonomi syariah yang diajarkan oleh agama menjadi penting, karena agama mengajarkan umat manusia selalu ingat kepada sikap dan perilaku yang baik, jujur, mau bekerja keras dan sadar bahwa tujuan akhir dari kegiatan ekonomi tersebut dimaksudkan untuk mendapatkan keberkahan serta kebahagiaan hidup (falâḥ) di dunia dan akhirat.Kata Kunci: Nilai Filosofi, Pelaku Usaha, Doa, Ekonomi Syariah.

PENGARUH KUALITAS PELAYANAN(SERVICE QUALITY) TERHADAP KEPUASAN NASABAH (CUSTOMER SATISFACTION) DI PT. BPRS MITRA MANDIRI SUKSES DI GRESIK Rokhmat Subagiyo
Perisai : Islamic Banking and Finance Journal Vol 1 No 1 (2016): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v1i1.231

Objectives of this research are: (1) to determine the variables of service quality (tangible, reliability, responsibility, assurance, and empathy) significantly simultaneously (together) on customer satisfaction at PT. BPRS Mitra Mandiri Success in Gresik; (2) determine the variables of service quality (tangible, reliability, responsibility, assurance, and empathy) significantly partially (in part) on customer satisfaction at PT. BPRS Mitra Mandiri Success in Gresik and (3) determine the variables of service quality (tangible, reliability, responsibility, assurance, and empathy) are the dominant influence on customer satisfaction at PT. BPRS Mitra Mandiri Success in Gresik.

IMPLEMENTASI AL-DALALAH MAFHUM AL-MUKHALAFAH AL-SYAFI'IYAH DALAM ILMU EKONOMI ISLAM.docx Rokhmat Subagiyo
Nizham Jurnal Studi Keislaman Vol 6 No 02 (2018): Hukum Ekonomi Syariah
Publisher : Postgraduate State Islamic Institute (IAIN) Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (927.1 KB)

Umat Islam hidup di dunia ini bertujuan untuk mendapatkan ridho Allah SWT, dengan berlandaskan pada nash Al-Qur’an dan hadits nabi Muhammad SAW. Kalimat-kalimat yang ada di dalamnya membuka peluang interprestasi yang berbeda. Oleh sebab itu timbul makna yang yang bervariasi terhadap perintah/larangan. Agar terhindar dari taklid yang berlebihan dalam sebuah memahami nash ekonomi Islam, penting untuk mengkaji pentingnya al-dalalah mafhum al-mukhalafah as-Syafiiyah.Hasilnya antara lain: ada perbedaan pendapat di antara imam madzab, diantaranya Imam Syafi’i beranggapan dalam nash terdapat dua pemikiran yang lebih dikenal dengan dalalah al-manthuq dan dalalah al-mafhum. Dalalah al-mafhum terdiri atas mafhum muwafaqat dan mafhum mukhalafah. Jenis-jenis mafhum mukhalafah yaitu mafhum sifat, syarath, ghayah, ‘adad dan laqab.

Comparative Analysis of Customer Loyalty in Islamic and Conventional Banks: A Literature Review Rokhmat Subagiyo; Burhan Djamaluddin; Muhamad Ahsan
al-Uqud : Journal of Islamic Economics Vol. 5 No. 1 (2021): January
Publisher : Universitas Negeri Surabaya

This paper aims to analyze customer loyalty to Islamic banks and conventional banks through variables studied from previous research. This study used a qualitative approach to research literature, with data collected from reputable international journal articles indexed Q3 to Q1 and nationally accredited Sinta 3 to Sinta 2. This study examines 55 selected articles about customer loyalty from 1998-2019. The analysis results show that the independent variables, moderating variables, and intervening variables in determining customer loyalty to Islamic banks and conventional banks overlap (have similarities).

ISLAMIC BANK CUSTOMER LOYALTY: An Analysis of Griffin's Theory and Relevant Research Rokhmat Subagiyo; Binti Mutafarida; Binti Nur Asiyah; Jusuf Bachtiar; Fauzan Fauzan
ULUL ALBAB Jurnal Studi Islam Vol 23, No 1 (2022): Islamic Law and Economic
Publisher : Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ua.v23i1.15892

The study discusses the indicator of customer loyalty of Islamic banks according to Griffin's perspective and several relevant studies. The problems solved in this study are 1) what is the indicator of customer loyalty of Islamic banks according to Griffin? 2) what is the indicator of customer loyalty of Islamic banks according to some relevant studies? and 3) how is the comparison of Islamic bank customer loyalty indicators according to Griffin and other relevant studies? Based on the theoretical assumption, a customer is considered loyal if he/she makes regular purchase in a certain time interval. This study utilizes descriptive qualitative research with a library research approach. Deduction and comparative are done in analysis technique. Griffin’s theory focuses on behavioral and attitudinal approach. Meanwhile, other relevant research studies emphasize more on physical things, the availability of banking facilities and infrastructure. They also classified the loyalty into affective, conative, and action loyalty. There is a difference in Griffin’s theory and other studies, that customer loyalty is influenced by maqâsid al-sharî'ah. It means that the customer loyalty is determined by satisfactory level referring to sharia values.

Implementation of Bai 'Bitsaman Ajil Financing Sanctions in Baitul Maal Wat Tamwil (BMT) Pahlawan Tulungagung to Delay in Installment Payments Fathur Rohman Albanjari; Rokhmat Subagiyo
Khatulistiwa Vol 11, No 2 (2021): Volume 11, Number 2 September 2021
Publisher : The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/khatulistiwa.v11i2.2118

This research aims to know applying sanctions and penalty on financing ba’i bitsaman ajil at the BMT Pahlawan Tulungagung for the delay in payment of the installments. The author's methods of research conducted in this study using a qualitative approach. As for the type of research is descriptive, meaning that the data collected is in the form of words, images, and not the numbers. The results showed that the application of fines in BMT Pahlawan Tulungagung is in compliance with the Shariah Board Fatwa of the national assemblies of scholars of Indonesia No. 17/DSN-MUI/IX/2000. In its application of fines charged to borrowers who can afford but procrastinate the payout as well as clients who do not have good faith to settle the payment.

Kebijakan Penetapan Tarif Ojek Online Dalam Pandangan Maqashid Syariah Rokhmat Subagiyo; Ahmad Budiman
MUSLIMPRENEUR : Jurnal Ekonomi dan Kajian Keislaman Vol. 1 No. 1 (2021): Muslimpreneur
Publisher : MUSLIMPRENEUR : Jurnal Ekonomi dan Kajian Keislaman

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (520.289 KB)

Abstract: This study aims to examine the Online Ojek Tariff Setting Policy of the Minister of Transportation Regulation (Permenhub No. 12 of 2019) based on the View of Maqashid Syariah Imam Syatibi. The method used is by reviewing books and journals that are in accordance with research on the policy of fixing online motorcycle taxi rates according to maqashid sharia. The results showed that the realization of maqashid sharia between passengers, drivers and online transportation operators. Keywords: Online motorcycle taxi, transportation business, maqashid Syariah Abstrak: Penelitian ini bertujuan untuk mengkaji Kebijakan Penetapan Tarif Ojek Online Peraturan Menteri perhubungan (Permenhub No 12 Tahun 2019) berdasarkan Pandangan Maqashid Syariah Imam Syatibi. Metode yang digunakan dengan mengkaji buku-buku dan jurnal yang sesuai dengan penelitian mengenai kebijakan penetapan tarif ojek online menurut maqashid syariah. Hasil penelitian menunjukkan bahwa terwujudnya maqashid syariah antara penumpang, pengendara dan operator transportasi online. Kata kunci: Ojek online, bisnis transportasi, maqashid Syariah

ERA FINTECH: PELUANG DAN TANTANGAN BAGI EKONOMI SYARIAH Rokhmat Subagiyo
el-Jizya : Jurnal Ekonomi Islam Vol 7 No 2 (2019): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Changes in digital technology occur very quickly because of the industrial revolution 4.0. Human behavior has changed in accessing financial services or FinTech. Modern online businesses replace traditional businesses. Indonesia as one of the prima donna to develop FinTech. The Islamic financial industry is more stable and stronger to survive than the conventional financial industry. FinTech sharia opportunities are still wide open because it provides solutions for needs that cannot be served by conventional financial services. The results of the study include: (1) FinTech Sharia is able to realize the transparency of financial activities; (2) creating opportunities for customers both households and businesses to access sharia financial services; (3) providing sharia investment opportunities; (4) fintech has the potential to pose risks to consumers. Recommendation given: Islamic economics is important to answer the challenges of FinTech by issuing products or policies that are in accordance with the development of FinTech and Islamic principles.

Pengaruh Promosi, Harga dan Citra Merek Terhadap Loyalitas Pelanggan Pada Toko Mrs. Sheshop Tulungagung Endar Dwi Rahayu; Rokhmat Subagiyo
Dinamis : Journal of Islamic Management and Bussiness Vol 5, No 2 (2022): Oktober
Publisher : Institut Agama Islam Negeri Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/dinamis.v5i2.3345

Persaingan antar bisnis semakin ketat saat ini. Oleh karena itu, para pelaku bisnis harus mengatur manajamen pemasarannya tepat. Demi dapat mempertahankan dan meningkatkan usahanya tetap berjalan dengan baik maka dengan bersaing dengan bisnis lainnya perlu melakukan stategi yang tepat yang dapat digunakan untuk mengembangkan bisnisnya. Rumusan masalah dalam penelitian ini adalah 1). Apakah promosi berpengaruh signifikan terhadap loyalitas pelanggan pada toko MRS. Sheshop Tulungagung?, 2) Apakah harga berpengaruh signifikan terhadap loyalitas pelanggan pada toko MRS. Sheshop Tulungagung?, 3) Apakah citra merek berpengaruh signifikan terhadap loyalitas pelanggan pada toko MRS. Sheshop Tulungagung?. 4) promosi, harga dan citra merek secara simultan berpengaruh terhadap loyalitas pelanggan pada toko MRS. Sheshop Tulungagung?Jenis dalam penelitian ini adalah kuantitatif dengan pendekatan asosiatif dengan tujuan untuk mengetahui suatu hubungan diantara dua variabel/lebih. Sedangkan sampel yang diambil sebanyak kurang lebih 100-200 pelanggan. Teknik analisis data menggunakan Cronbach’s Alpha, Uji Asumsi Klasik dan Analisis Regresi Linier Berganda menggunakan uji T dan uji F. Hasil penelitian ini, yaitu 1) Ada Pengaruh Promosi terhadap Loyalitas pelanggan, dibuktikan dengan penghitungan uji T Parsial berdasarkan t hitung dan t tabel dengan nilai 3,324 > 1,292 maka dinyatakan diterima. 2) Ada Pengaruh Harga terhadap Loyalitas pelanggan, dibuktikan dengan uji T Parsial berdasarkan t hitung dan t tabel dengan nilai 3,651 > 1,292 maka dinyatakan diterima. 3) Ada Pengaruh Citra merk terhadap Loyalitas pelanggan, dibuktikan dengan penghitungan uji T Parsial berdasarkan t hitung dan t tabel, dengan hasil nilai 3,241 > 1,292 maka dinyatakan diterima. 4) Ada Pengaruh yang signifikan antara variabel promosi, harga, dan Citra merk berpengaruh terhadap variabel loyalitas pelanggan Pada toko MRS. Sheshop Tulungagung, dibuktikan dengan perhitungan f simultan sig. < 0,05 maka variabel X berpengaruh terhadap Y. Maka dapat diketahui 0,001 < 0,05 sehingga dari perbandingan pada uji signifikansi dapat dinyatakan hipotesa diterima.

Co-Authors 'Alim, Sarirotul Achmad Syaichoni Adi Putra, Silachi Agusta Adlan, M. Aqim Agus Eko Sujianto Ahmad Ajib Ridlwan Ahmad Budiman Ahmad Qosim, Ahmad Ahmad Syaichoni Ahmada, Muhamad Agus Alfiyan Nur Ahsan, Muhamad Anis Sumadi, Mohammad Anita Febriani Anton Sudrajat Ashlihah, Ashlihah Azizah Shodiqoh Rafidah Azizurrahman Nashrullah Binti Mutafarida Binti Nur Asiyah Budi Kolistiawan Burhan Djamaluddin Chamidi, Achmad Luthfi Chamidi Darajat Mahmudi Deris Lazuardi Desta, Sri Yulfa Dhani, Rifqi Rama Domastuti, Putri Dwi Astuti Wahyu Nurhayati Endar Dwi Rahayu Eylen Jisan Fitriangga Fathur Rohman Albanjari Fauzan Fauzan . Fauzan Fauzan Fauziah Durotul Masruroh Febintha Sistyamurti Febrianto, M. Nanang Haqqiquddin Rokhmatulloh, Muhammad Raisa Hidayah, Arifah Rohmatul Husnul Haq, Husnul Indah Kusumawati Irtifa Umi Azizah Jusuf Bachtiar Khudhory, Ahmad Lestari, Lisa Yuni M. Aqim Adlan M. Aqim Adlan, M. Aqim Mashudi Mashudi Mei Santi Muhamad Ahsan Muhammad Aqim Adlan Muhammad Aswad Muhammad Khoirul Malik Mutafarida, Binti Neni Utami Novi Tri Oktavia Oftafiana, Triya Oktaviana, Helmalia Putri Vella Meliyanti Putri, Amilia Qomarul Huda Reni Waningsih Rini Fitriani Rizkyaningrum, Adinda Agustinayu Rizma Denytasari Samsul Huda Shoidah, Nadia Nadhirotus Shomad VEA, Moh. Ali Abdul Sulistiyah Syaichoni, Achmad Syamsiyah, Siti Itsna Ummu Sholihah Usdeldi, Usdeldi Wartoyo Wartoyo Wiyani, Silva Zainal Abidin, Ahmad

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