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Peran E- Commerce Dalam Meningkatkan Pendapatan Penjualan Dalam Perspektif Islam Hofifah Hofifah; Abd Aziz; Abd Ghafur
OIKONOMIKA: Jurnal Kajian Ekonomi dan Keuangan Syariah Vol. 4 No. 1 (2023): OIKONOMIKA : Jurnal Kajian Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53491/oikonomika.v4i1.563

Abstract

Electronic commerce is a term that is often used today for transactions online or related to the Internet. In another opinion, e-commerce is a form of media for distributing, buying, marketing, and selling goods or services through internet electronic systems. The development of e-commerce - commerce cannot be separated from the growth rate of the Internet because e-commerce is under the Internet network. The rapid growth of the internet has made a new change in people's lives and the internet has made the internet an effective medium for business people to sell their various products. This research is a type of qualitative research, using a case study approach (Case Study), in this study using several stages in data collection in the field, namely describing existing data, and in the form of data that describes in detail, the purpose of this study is to find out how the role of e-commerce in increasing sales revenue and e-commerce in an Islamic perspective. The results of this study are that the role of e-commerce in increasing sales revenue is very important for sales and of course, transactions carried out in accordance with Islam.
Efektifitas Sistem Pelayanan Haji dan Umroh Dalam Meningkatkan Kepuasan Jamaah di PT. Safara Layanan Utama Probolinggo Hafida Firdaus; Abd Aziz; Abd Ghafur
ILTIZAM Journal of Shariah Economics Research Vol. 7 No. 1 (2023): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

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Abstract

This research aims to analyze the effectivity of PT. Safara Layanan Utama in providing services to increase congregation satisfaction, and to describe the supporting and inhibiting factors in the service at PT. Safara Layanan Utama. The research method used is descriptive qualitative method with data collection techniques namely interviews, observations which aim to describe, display, and explain data regarding service quality at PT. Safara Layanan Utama. Researchers conducted interviews with 6 informants, namely the congregation and employees. The results showed that services at PT. Main Service Safara has been good in many ways. Such as  having professional employees, providing good facilities and infrastructure, being responsible for each congregation from registration, practicing umroh, and arrival, being able to serve appropriately, being able to communicate clearly, and being able to give trust to the congregation. Supporting Factors that described from the interviews a. Good Management. b. Quite strategic place. c. Good communication . d. Adequate Facilities. Inhibiting Factors: a. The number of employees is small. b. The office is a bit cramped, and never discriminate congregation. The guides were carried out patiently and painstakingly from the homeland until arriving at the holy land was carried out patiently and painstakingly so that the congregation felt satisfied.
PENERAPAN STANDAR AKUNTANSI PEMERINTAHAN BERDASARKAN PP NOMOR 71 TAHUN 2010 PADA LAPORAN KEUANGAN DINAS PUPR KABUPATEN PROBOLINGGO Yelni; Abd Ghafur; Zahida I'tisoma Billah
Finance : Journal of Accounting and Finance Vol. 1 No. 2 (2023): Volume 1 Nomor 2, Oktober 2023
Publisher : Finance : Journal of Accounting and Finance

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Abstract

Penerapan Standar Akuntansi pemerintahan (SAP) berbasis akrual yang baik dalam penyusunannya akan mempengaruhi opini yang diberikan oleh BPK terhadap Laporan Pengelolaan keungan Daerah. Laporan Hasil Pemeriksaan LKPD Kabupaten Probolinggo untuk kesepuluh kalinya secara berturut-turut mendapatkan Opini Wajar Tanpa Pengecualian (WTP).  Penelitian ini bertujuan untuk mengetahui Penerapan Standar Akuntansi Berbasis Pemerintahan Berdasarkan PP Nomor 71 Tahun 2010 pada  Laporan Keuangan Di Dinas PUPR Kabupaten Probolinggo dan untuk mengetahui apa saja faktor-faktor yang mempengaruhi dalam penyusunan Laporan Keuangan di Dinas PUPR Kabupaten Probolinggo Berdasarkan PP Nomor 71 Tahun 2010. Hasil Penelitian ini menunjukkan bahwa Penerapan Standar Akuntansi Pemerintahan pada penyusunan laporan keuangan Dinas PUPR Tahun Anggaran 2022 sudah diterapkan sepenuhnya sesuai dengan Peraturan Pemerintah Nomor 71 Tahun 2010 Tentang Penerapan Standar Akuntansi Pemerintahan. Adapun faktor-faktor yang mempengaruhi dalam Penerapan Standar Akuntansi pada Laporan Keuangan di Dinas PUPR Kabupaten Probolinggo yaitu Sumber Daya Manusia (SDM) dan Sarana Dan Prasarana keduanya sangat berpengaruh dalam penyusunan laporan keuangan.
PENERAPAN AKAD KONVENSIONAL DAN SYARIAH PADA PEMBIAYAAN DI PT. ADIRA  FINANCE SYARIAH SATELLIT BALUNG Abd. ghafur; Nur istianah putri
Finance : Journal of Accounting and Finance Vol. 1 No. 1 (2023): Volume 1 Nomor 1, Mei 2023
Publisher : Finance : Journal of Accounting and Finance

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Abstract

This research aims to analyze the application of conventional contracts and sharia contracts applied to financing at PT. Adira Finance Syariah balung. In the current rapid economic era, PT. Adira Finance Syariah operates in the leasing sector where there is an agreement between the two parties, namely between the Company and the consumer, with the provision of rental payments within the agreed agreement time. When paying the rent, conventional and sharia leasing is applied. There is a comparison between financing conventional contracts and sharia contracts. In conventional leasing, a contract with an interest system is used as the objective. Meanwhile, in sharia leasing, a murabahah (sale and purchase) contract is used, whereas the advantages of the sharia contract itself are in terms of profit margin. The application of these two contracts is to further understand the business leases that are applied in leasing companies. The purpose of writing this report is to determine the differences between conventional leasing contracts and sharia leasing contracts. The type of data the author uses is secondary or external data. This research uses a qualitative descriptive research method.
Pengaruh Customer Delight, Customer Loyalti, dan Customer Satisfaction terhadap Keputusan Pembelian pada Produk Perhiasan Emas di Toko Naga Akbar – Semampir Siti Aulia Isfi Airho; Abd Ghafur; Lailatul Azizah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 1 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i1.22131

Abstract

Dalam konteks keputusan pembelian di toko perhiasan Naga Akbar, kepuasan, kepercayaan, dan kesenangan konsumen memainkan peran penting dalam meningkatkan kecenderungan untuk melakukan pembelian. Penelitian ini bertujuan untuk mengidentifikasi pengaruh secara bersama-sama dari customer delight, customer loyalty, dan customer satisfaction terhadap keputusan pembelian. Pengambilan sampel dilakukan melalui accidental sampling dengan mengedarkan kuesioner kepada 100 konsumen perhiasan di toko Naga Akbar Semampir. Penelitian ini menggunakan pendekatan kuantitatif deskriptif. Hasil penelitian menunjukkan bahwa nilai F hitung sebesar 22,119, yang lebih besar dari nilai F tabel (2,70). Dengan demikian, dapat disimpulkan bahwa terdapat pengaruh yang signifikan secara bersama-sama antara customer delight (X1), customer loyalty (X2), dan customer satisfaction (X3) terhadap keputusan pembelian (Y).
Analisis Perbandingan Kinerja Keuangan Bank Konvensional Dengan Bank Syariah Dianalisa Anggraini Zareta; Abd Ghafur; Moh. Samsul Arifin
Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Vol. 4 No. 1 (2024): Artikel Riset Maret 2024
Publisher : ITScience (Information Technology and Science)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/jebma.v4i1.3661

Abstract

Bank merupakan salah satu lembaga yang berperan sebagai perantara keuangan yang memiliki peran penting bagi perekonomian suatu negara. Diera globalisasi saat ini cukup banyak bank konvensional yang telah membuka atau mendirikan cabang yang bersifat syariah. Jenis data yang dalam pendekatan penelitian ini adalah data deskriptif komperatif melalui pendekatan kuantitatif. Sampel yang digunakan yaitu 3 bank konvensional yang terdiri dari bank BCA, bank BNI, dan bank BRI dan 3 bank syariah yang terdiri dari bank BSI, bank MEGA S, dan bank BTN S dengan periode tahun 2020-2022. Alat analisis yang digunakan dalam pengujian hipotesis pada penelitian ini ialah uji independen sampel t-test dan homogenitas sapiro wilk. Dengan pendekatan rasio Return On Asset (ROA), Return On Equity (ROE), Loan To Deposit Ration (LDR), Non Perfoming Loans (NPL), Capital Adequacy Ration (CAR), Biaya Operasional Pendapatan Operasional (BOPO). Hasil penelitian menunjukan nilai ROA tidak terdapat perbedaan yang signifikan, nilai ROE menunjukan ada perbedaan yang signifikan, nilai NPL tidak ada perbedaan yang signifikan, untuk nilai LDR ada perbedaan yang sifnifikan, nilai CAR juga memiliki perbedaan yang signifikan, dan untuk nilai BOPO memiliki perbedaan yang signifikan. Akan tetapi jika ditinjau dari aspek keseluruhan bank syariah belum mampu menunjukan kinerja keuangan lebih baik dibandingkan dengan kinerja keuangan bank konvensional.