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All Journal Martabe : Jurnal Pengabdian Kepada Masyarakat DIRHAM Jurnal Ekonomi Islam West Science Interdisciplinary Studies West Science Interdisciplinary Studies West Science Social and Humanities Studies Taraadin : Jurnal Ekonomi dan Bisnis Islam
Puti Khairani Rijadi
Institut Bisnis Muhammadiyah Bekasi
Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI NASABAH NONMUSLIM MEMILIH BANK SYARIAH DAN IMPLIKASINYA TERHADAP STRATEGI PEMASARAN (Studi Kasus Pada PT Bank Syariah Mandiri) Puti Khairani Rijadi; Saiful Anwar
DIRHAM Jurnal Ekonomi Islam Vol 1, No 2 (2020): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (297.428 KB) | DOI: 10.53990/djei.v1i2.76

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui faktor-faktor yang mempengaruhi nasabah non Muslim memilih Bank Syariah Mandiri, serta implikasinya terhadap strategi pemasaran. Metode yang dipakai dalam penelitian ini dengan menggunakan kuesioner dari Google Survey untuk analisis faktor. Setelah itu data diolah dengan menggunakan SPSS 22, dan untuk strategi pemasaran Bank Syariah Mandiri menggunakan Analisis SWOT. Berdasarkan hasil penelitian diperoleh faktor-faktor yang mempengaruhi nasabah non Muslim memilih Bank Syariah Mandiri, yaitu: 1) faktor syariah, 2) faktor promosi, 3) faktor lokasi, 4) faktor produk, 5) faktor harga, 6) faktor SDM, 7) faktor proses, dan 8) faktor fisik. Adapun faktor yang paling dominan adalah faktor syariah, yaitu adanya larangan atas bunga karena termasuk riba dan tidak adil. Strategi yang harus diterapkan adalah menggunakan kekuatan untuk memanfaatkan peluang jangka panjang dengan cara strategi diversifikasi (produk atau pasar).
ANALISIS PENERAPAN ETIKA BISNIS ISLAM DALAM MEKANISME PENGAJUAN PRODUK PEMBIAYAAN GRIYA RUMAH BARU DI BANK SYARIAH MANDIRI KANTOR AREA THAMRIN – JAKARTA PUSAT PUTI KHAIRANI RIJADI; WILDAN AFIFAH HAKIH
DIRHAM Jurnal Ekonomi Islam Vol 2, No 1 (2021): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (280.852 KB) | DOI: 10.53990/djei.v2i1.102

Abstract

Researchers see some people still do not understand about the mechanism in applying home financing products in sharia banks. This research aims to provide information about the process of applying for sharia-based housing financing, but also wants to know whether the process has implemented Islamic Business Ethics and the foundation of law and sharia. Islamic Business ethics theory refers to the instrument or regulation of three principles of regulation of the Financial Services Authority No. 4/POJK. 05/2018. About secondary housing Financing Company Article 8 paragraph (3) namely the principle of justice (' ADL), balance (Tawazun), Benefits (Maslahah), and Universalism (Alamiyah), does not contain things forbidden, such as Riba, Maisir, Gharar, Zalim, Risywah, Maksiat, Haram object, and carried out by using AKAD in accordance with the fatwa of the National Sharia Council of Ulama Indonesia (DSN MUI). The collection of research data is done by observation methods, interviews, and documentation. Analysis is done with a qualitative descriptive approach, using source triangulation.
SOSIALISASI BAITUL MAAL WA TAMWIL TERHADAP USAHA KECIL MENENGAH DAN PELAJAR SEKOLAH (Studi Kasus pada KSPPS BMT Pratama Cahaya Mentari Rawalumbu) PUTI KHAIRANI RIJADI
DIRHAM Jurnal Ekonomi Islam Vol 2, No 2 (2021): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (338.12 KB) | DOI: 10.53990/djei.v2i2.122

Abstract

Baitul Maal wat Tamwil (BMT) is a microfinance institution that operates based on profit sharing. Conceptually, BMT has two functions: to develop a productive business, and also to invest in improving the economic quality and small entrepreneurs. This study aims to determine the financial management of the KSPPS PCM Rawalumbu. The method used qualitative data analysis based on the results of questionnaires. The results of this study indicate that the KSPPS PCM Rawalumbu, which was just born on November 25th, 2020, currently, has 70 (seventy) members, consisting of cooperative members and ordinary members. However, the financial support of this KSPPS still needs support from the Head of Muhammadiyah Rawalumbu (Pimpinan Cabang Muhammadiyah/PCM Rawalumbu) because it was just recently established. Financing lending still for consumptive needs (such as laptops, motorbikes, etc). However, it has met the adequacy of business needs, and the profit-sharing has also been in accordance with the existing agreement.
MENINGKATKAN MOTIVASI BERPRESTASI SISWA SMK TIRTA KENCANA BEKASI MELALUI CERDAS CERMAT Eva Fauziana; Atika Rahmi; Puti Khairani Rijadi; Octa Nilam Lukkita Aga; Ria Fitria Andriani; Yeniasari Rizkia Budi; Muhammad Ridwan; Irma Marlita Dewi; Ananda Putri Maharani; Feby Eriandi
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 6, No 12 (2023): Martabe : Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v6i12.4642-4649

Abstract

Kegiatan Pengabdian Kepada Masyarakat kampus Institut Bisnis Muhammadiyah Bekasi yang dilaksanakan pada bulan April hingga Mei 2023 dan pelaksanaannya antara lain dilaksanakan oleh Kelompok 1 ini mengangkat tema permainan edukasi cerdas cermat sebagai kegiatan yang menyenangkan siswa sekaligus dapat meningkatkan motivasi berprestasi siswa. Kegiatan Pengabdian Kepada Masyarakat yang dilakukan di SMK Tirta Kencana – Bekasi Timur Ini diharapkan mampu meningkatkan motivasi dan rasa percaya diri siswa, sehingga dapat membantu mereka untuk terus berkembang selepas lulus SMK, sehingga dapat membantu meningkatkan kesejahteraan ekonomi keluarga dan meningkatkan taraf hidup kesejahteraaan generasi muda di Kota Bekasi pada umumnya.
NORMA EKONOMI SYARIAH DARI NASH SAMPAI KE QANUN: PERBANKAN SYARIAH Puti Khairani Rijadi
Taraadin : Jurnal Ekonomi dan Bisnis Islam Vol. 3 No. 2 (2023): Taraadin : Jurnal Ekonomi dan Bisnis Islam
Publisher : FEB Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24853/trd.3.2.46 - 54

Abstract

Dalam penelitian ini mengangkat pembahasan tentang 5 (lima) norma yang ada dalam  bidang Ekonomi Syariah. Kelima norma tersebut antara lain yaitu: 1) al-kharaj bid adh-dhaman, 2) Al-Ghunmu Bil Ghurm, 3) Al-ni’mah biqadri al-niqmah wa al-niqmah biqadri al-ni’mah, dan 4) al-ajru wa al dhaman la yajtami'ani, serta 5) Al Jawaz Asy Syar Yunafi Adh Dhaman. Maksud dari al-kharaj bid adh-dhaman adalah hak tentanguntuk mendapatkan suatu hasil karena ada kerugian yang ditanggung. Sedangkan, Al-Ghunmu Bil Ghurm yaitu asas pemanfaatan terhadap sesuatu yang harus siap untuk menanggung risiko. Selanjutnya Al-ni’mah biqadri al-niqmah wa al-niqmah biqadri al-ni’mah berbicara tentang keuntungan. Selain itu ada juga sistem upah-mengupah (al-ajru wa al dhaman la yajtami'ani), dan terkait tuntutan ganti rugi (Al Jawaz Asy Syar Yunafi Adh Dhaman). Kelima penerapan ini dituangkan salah satunya dalam praktek pada perbankan syariah. Hal ini mengingat bahwa bank merupakan lembaga yang memiliki tingkat resiko dan kerugian yang tinggi untuk mendapatkan keuntungan (profit) setinggi mungkin. Begitu juga dengan sistem upah dan ganti rugi yang memerlukan prinsip kehati-hatian untuk mengurangi risiko yang terjadi. Metode penelitian merupakan metode kualitatif dengan menggunakan studi pustaka. Hasil dari penelitian ini menjelaskan bahwa adanya penerapannorma ekonomi syariah dapat memberi kemudahan didalam menentukan kasus-kasus hukum yang baru.
The Contribution of Sharia Fintech and Digital Literacy in Increasing Generation Z Interest in Accessing Sharia Financial Services in Central Java Puti Khairani Rijadi; Yani Sukriah Siregar; Fida Arumingtyas; Mohammad Ridwan; Eko Sudarmanto
West Science Social and Humanities Studies Vol. 3 No. 12 (2025): West Science Social and Humanities Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsshs.v3i12.2501

Abstract

The rapid development of financial technology has reshaped the delivery of financial services, including those based on Islamic principles. Generation Z, as a digitally native generation, represents a strategic segment for expanding sharia financial inclusion. This study aims to analyze the contribution of sharia fintech and digital literacy in increasing Generation Z’s interest in accessing sharia financial services in Central Java. A quantitative research approach was employed, using primary data collected through a structured questionnaire distributed to 85 respondents. The measurement instrument applied a Likert scale, and the data were analyzed using Statistical Package for the Social Sciences (SPSS) version 25. The results of multiple linear regression analysis indicate that sharia fintech has a positive and significant effect on Generation Z’s interest in accessing sharia financial services. Digital literacy also shows a positive and significant influence on interest. Simultaneously, sharia fintech and digital literacy significantly contribute to increasing Generation Z’s interest in accessing sharia financial services. These findings highlight the importance of integrating sharia-compliant digital financial innovation with efforts to improve digital literacy in order to strengthen Islamic financial inclusion among young consumers. The study provides practical implications for sharia financial institutions, fintech providers, educators, and policymakers in developing strategies that align with the characteristics and needs of Generation Z.
The Effect of Sharia Economic Festival Education and Financial Literacy on Halal Awareness and the Intention to Use Sharia Financial Products in Indonesia Bhaswarendra Guntur Hendratri; Kurniawan Kurniawan; Ilza Febrina; Junet Kaswoto; Puti Khairani Rijadi
West Science Interdisciplinary Studies Vol. 3 No. 11 (2025): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v3i11.2390

Abstract

  This study investigates the effect of Sharia Economic Festival education and financial literacy on halal awareness and the intention to use Sharia financial products in Indonesia. Employing a quantitative research design, data were collected from 135 respondents using a five-point Likert scale questionnaire. The analysis was conducted using Structural Equation Modeling–Partial Least Squares (SEM-PLS 3). The results demonstrate that Sharia Economic Festival education significantly enhances financial literacy and halal awareness. Financial literacy also has a strong positive effect on halal awareness and directly influences the intention to use Sharia financial products. Moreover, halal awareness emerges as the most influential predictor of consumer intention, highlighting the central role of religious and ethical considerations in the adoption of Sharia-compliant financial services. The findings emphasize the importance of educational interventions, financial knowledge, and awareness-building strategies to strengthen the penetration of Sharia financial products in Indonesia. This study contributes to theoretical understanding and provides practical implications for policymakers, financial institutions, and event organizers seeking to increase public engagement with Islamic finance.
The Effect of Sharia Economic Festival Education and Financial Literacy on Halal Awareness and the Intention to Use Sharia Financial Products in Indonesia Bhaswarendra Guntur Hendratri; Kurniawan Kurniawan; Ilza Febrina; Junet Kaswoto; Puti Khairani Rijadi
West Science Interdisciplinary Studies Vol. 3 No. 11 (2025): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v3i11.2390

Abstract

  This study investigates the effect of Sharia Economic Festival education and financial literacy on halal awareness and the intention to use Sharia financial products in Indonesia. Employing a quantitative research design, data were collected from 135 respondents using a five-point Likert scale questionnaire. The analysis was conducted using Structural Equation Modeling–Partial Least Squares (SEM-PLS 3). The results demonstrate that Sharia Economic Festival education significantly enhances financial literacy and halal awareness. Financial literacy also has a strong positive effect on halal awareness and directly influences the intention to use Sharia financial products. Moreover, halal awareness emerges as the most influential predictor of consumer intention, highlighting the central role of religious and ethical considerations in the adoption of Sharia-compliant financial services. The findings emphasize the importance of educational interventions, financial knowledge, and awareness-building strategies to strengthen the penetration of Sharia financial products in Indonesia. This study contributes to theoretical understanding and provides practical implications for policymakers, financial institutions, and event organizers seeking to increase public engagement with Islamic finance.
Co-Authors Ananda Putri Maharani Atika Rahmi Bhaswarendra Guntur Hendratri Eko Sudarmanto Eva Fauziana Febrina, Ilza Feby Eriandi Fida Arumingtyas Irma Marlita Dewi Junet Kaswoto Kurniawan Kurniawan Mohammad Ridwan Muhammad Ridwan OCTA NILAM LUKKITA AGA Ria Fitria Andriani Saiful Anwar WILDAN AFIFAH HAKIH Yani Sukriah Siregar YENIASARI RIZKIA BUDI