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All Journal Jurnal Bisnis dan Manajemen Jurnal Niaga Dan Bisnis JURNAL LENTERA BISNIS Jurnal Manajemen Bisnis Jurnal Aksi Afirmasi: Jurnal Pengabdian kepada Masyarakat Al-Iqtishod : Jurnal Ekonomi Syariah Jihbiz: Jurnal Ekonomi, Keuangan dan Perbankan Syariah Jurnal Ekonomi Syariah dan Bisnis Journal Islamic Business and Entrepreneurship / JIBE SENTRI: Jurnal Riset Ilmiah Jurnal Perbankan Syariah Darussalam (JPSDa) Ekspresi: Publikasi Kegiatan Pengabdian Indonesia
Sanjayawati, Hilda
Fakultas Ekonomi Dan Bisnis, Universitas Islam Raden Rahmat, Malang, Indonesia
Religion Aerospace Engineering Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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ANALISIS PERSEPSI MASYARAKAT TERHADAP MINAT PRODUK PROHAJJ DALAM HUKUM ISLAM: Persepsi, Minat dan Hukum Islam Hilda sanjayawati; Muhammad Romli Muar; Andriati Azizah Syahfitri; Yeny Nur Azizah
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 5 No. 1 (2022)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v5i1.2308

Abstract

PT Bank Mauamalat Indonesia (BMI) salah satu perbankan yang berkonsep Syariah saat ini telah meluncurkan produk terbarunya yakni pembiayaan multiguna prohajj. Produk pembiayaan multiguna prohajj telah mendapatkan persetujuan dari pihak dewan pengawas Syariah (DPS) dan Otoritas jasa keuangan (OJK) fokus produk ini dengan skema porsi haji memudahkan masyarakat untuk mendapatkan porsi haji melalui pembiayaan multiguna prohajj maka dari itu peneliti membuat penelitian mengenai analisis persepsi masyarakat terhadap minat produk prohajj dalam hukum islam.
PENERAPAN MANAJEMEN RISIKO PADA PEMBIAYAAN DI BANK SYARIAH DALAM PERSPEKTIF HUKUM ISLAM Sanjayawati, Hilda; muar, Muhammad Romli
SENTRI: Jurnal Riset Ilmiah Vol. 3 No. 6 (2024): SENTRI : Jurnal Riset Ilmiah, Juni 2024
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/sentri.v3i6.3021

Abstract

Penelitian ini membahas mengenai Penerapan Manajemen Risiko pembiayaan pada Bank syariah. Pembiayaan berdasarkan Prinsip syariah adalah penyediaan uang atau tagihan yang disamakan dengan berdasarkan persetujuan atau kesepakatan antara bank dengan pihak lain yang mewajibkan pihak yang dibiayai dengan imbalan atau bagi hasil (UU No.10 Tahun 1998 Pasal 1, ayat 12. Penelitian ini tipe yang digunakan ialah metode penelitian kualitatif. penerapan manajemen risiko pada pembiayaan di Bank syariah yang fokus penelitiannya terfokus pada penerapan manajemen risikonya pada pembiayaan danperspektif hukum islam. Hasil dari penelitian ini pada Bank syariah dalam menerapkan manajemen risiko pembiayaan menggunakan beberapa langkah atau tahapan seperti, tahapan identifikasi, tahapan pengukuran, tahapan pemantauan dan tahapan pengendalian dengan menerapkan prinsip-prinsip syariah yang baik bagi nasabah. Dalam penanganan saat terjadi risiko padapembiayaan Bank Syariah menggunakan prosedur-prosedur guna kebaikan kedua belah pihak. Mulai dari teguran hingga memberikan solusi yang baik untuk nasabah tersebut.
Analisis Implementasi Akad Qordh Dan Wakalah Bil Ujroh Dalam Pembiayaan Bank Syariah Sanjayawati, Hilda; Nurcahyati, Lina Dwi
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 02 (2025): Juli 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i02.3593

Abstract

Bank Muamalat is the first Islamic bank. By carrying the name of Sharia, Bank Muamalat implements the Islamic Sharia system with several contracts applied in it. Islamic Bank is a Bank that in carrying out its business activities is based on Sharia Principles and according to its type consists of Islamic Commercial Banks and Islamic. This study aims to determine and analyze the implementation of the qordh and wakalah bil ujroh contracts in financing. In order to achieve this goal, here the researcher uses a descriptive qualitative method. In collecting data, the study collected from several data sources such as interviews with related parties, namely sub-branch managers, academics representing universities and practitioners. And in this study reveals the facts of the incident, conditions and variables that occurred when this study was taking place by presenting what actually happened after carrying out a financing agreement properly and in its implementation it was in accordance with the rules of the DSN MUI. However, in this financing system there is something that is still lacking, namely in terms of officers marketing financing, because in terms of financing, the person in charge is relationship marketing funding, not relationship marketing landing.
ANALISIS CONSUMERS TRUST AND SATISFACTION TERHADAP INTENSITAS PENGGUNAAN PRODUK DANA SYARIAH Sanjayawati, Hilda
SENTRI: Jurnal Riset Ilmiah Vol. 3 No. 5 (2024): SENTRI : Jurnal Riset Ilmiah, Mei 2024
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/sentri.v3i5.5059

Abstract

This study aims to analyze the influence of consumers' trust and consumers' satisfaction on the intensity of the use of Islamic fund products, both savings, deposits, and other Islamic financial planning products. The study used a quantitative approach with a sample of 250 Islamic bank customers. The analysis was carried out using Structural Equation Modeling (SEM). The results show that consumer trust has a significant effect on the satisfaction and intensity of using sharia fund products. Satisfaction also has a direct effect on the intensity of use. This research makes a theoretical contribution to the development of an Islamic consumer behavior model as well as a practical contribution for Islamic banks in increasing customer loyalty through increased trust and satisfaction.
The Effect of Profitability Collateralizable Assets and Growth in Net Assets to Dividend Policy (Case Studies on Manufacturing Companies Listed in Indonesia Stock Exchange for The 2018-2022 Period) Nurhadi, Ahmad; Widagdo, Bambang; Retna Rahadjeng, Erna; Sanjayawati, Hilda
Manajemen Bisnis Vol. 14 No. 02 (2024): October
Publisher : Universitas muhammadiyah malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/mb.v14i02.41994

Abstract

This research aims to anlyze and obtain empirical evidence about the effect of profitability, collateralizable assets, and growth in net assets to dividend policy. Dependent variable was used Dividend Policy. Independet variable were used profitability, collateralizable assets, and growth in net assets. This research population was manufacturing companies listed in Indonesia Stock Exchange in period 2018-2022. Sample was collected by purposive sampling method. Total 35 manufacturing companies were taken as study’s sample. By collecting secondary data in the form of financial reports that are accessed through www.idx.co.id. Hypothesis testing used multiple linier regression analysis with SPSS 23 program and a significant level of 0,05 (5%). The results of this research showed that collateralizable assets did not significantly effect to dividend policy. As for profitability has positive significantly effect to dividend policy, and growth in net assets has negative significantly effect to dividend policy. The determination coefficient result showed 58,1%. That’s about 58,1% indicated the ability of the independent variables explained the dependent variable while 41,9% explained by the other variables.
ANALISIS STRATEGI PEMASARAN LAYANAN CASH MANAGEMENT SYSTEM SEBAGAI PROGRAM BANK SYARIAH DI INDONESIA Sanjayawati, Hilda; Sendiabsari, Rahma Tiwik
JURNAL LENTERA BISNIS Vol. 15 No. 2 (2026): JURNAL LENTERA BISNIS, Mei 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i2.2243

Abstract

This study aims to analyze the marketing strategies of Cash Management System (CMS) services in Islamic banks in Indonesia. CMS is a digital banking innovation that plays an important role in improving the efficiency of financial transactions, particularly for corporate customers. This study employs a qualitative approach using a case study method. Data were collected through in-depth interviews, observations, and documentation. The findings indicate that CMS marketing strategies are influenced by several key factors, including technological readiness, customer trust, market education, and compliance with Islamic principles. Effective strategies include digital marketing, relationship marketing, and educational approaches based on Islamic values. Trust acts as a mediating variable that significantly affects the decision to adopt CMS services. The study contributes both theoretically and practically to the development of digital-based Islamic banking services.
Co-Authors Adriati Azizah Syafitri Andriati Azizah Syafitri Andriati Azizah Syahfitri Bambang Widagdo Dedy Irawan Erna Retna Rahadjeng, Erna Fi’ika Tiasari Kadarisman Hidayat Muar, Muhammad Romli Muhammad Romli muar Muhammad Romli Muar Muhammad Romli Muar Nurcahyati, Lina Dwi Nurhadi, Ahmad Nurul Izzati Septiana Sendiabsari, Rahma Tiwik Sukma Nur Avivah Tri Wahyuningtyas Winda Silvi Dinillah Yeny Nur Azizah ZAINUL ARIFIN