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ANALISIS SHARIA COMPLIANCE DALAM PRAKTIK PEMBIAYAAN MUSYARAKAH KONSTRUKSI DEVELOPER DI BANK NTB SYARIAH Sarkasi Hadi Sugandi; Riduan Mas’ud; Sanurdi Sanurdi; Herawati Khotmi
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 6 No 2 (2023): Article Research Volume 6 Number 2, Juni 2023
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v6i2.1205

Tujuan dari penelitian ini adalah ingin mengetahui apakah praktik pembiayaan musyarakah konstruksi developer di Bank NTB Syariah sudah melaksanakan kepatuhan syariah dan sesuai dengan sharia compliance. Analisis data, dilakukan terhadap beberapa indikator sharia compliance yang diperkenalkan Othman & Owen, sebagai indikator untuk menguji apakah praktik pembiayaan Musyarakah sudah sesuai dengan prosedur dan mekanismenya di Bank NTB Syariah. Data primer diperoleh melalui hasil interview dengan pejabat bank yang terdiri dari DGM Pembiayaan, bisnis manager, analis dan terlebih dewan pengawas syariah. Sedangkan untuk data sekunder akan dilengkapi dengan data-data pendukung, literatur kepustakaan, jurnal, komplasi hukum Islam, fatwa DSN – MUI, peraturan OJK – BI, dll nya. Adapun pendekatan tesis ini menggunakan kualitatif deskriptif. Hasil dari penelitian ini menemukan, bahwa praktik pembiayaan musyarakah konstruksi developer belum komprehensif dijalankan oleh Bank NTB Syariah. Hal tersebut dikuatkan dengan tidak adanya pengakuan/deklarasi dari mitra (Developer) maupun dari pihak bank. Ketiadaan deklarasi tersebut menunjukkan bahwa keuntungan didasarkan pada besaran jumlah plafond pembiayaan bukan berdasarkan hasil kegiatan developer konstruksi dalam aktivitas/kegiatannya secara real

The Impact of Religious and Economic Motives on Loyalty with Satisfaction as an Intervening Variable: A Study of the Saving Customers of Bank NTB Syariah Sanurdi Sanurdi; Muslihun Muslihun
International Journal of Islamic Khazanah Vol 13, No 1 (2023): IJIK
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijik.v13i1.25392

This study aimed to investigate the influence of religious and economic motives on customer loyalty through satisfaction. It employed a descriptive research design with a quantitative approach. The population of this study comprised the saving customers of Bank NTB Syariah, and the sampling method used was quota sampling. The data collection technique involved a questionnaire adapted from relevant sources and modified to align with the study's focus. Multivariate analysis was the data analysis technique used in this research. The findings of this study revealed that the religious motive did not significantly impact customer loyalty and Satisfaction with Bank NTB Syariah. Thus, the religious motive did not create Satisfaction and Loyalty among the bank's customers. In contrast, every bank must strive for Loyalty if they want to compete in today's fiercely competitive banking industry. The economic motive significantly influenced customer loyalty and Satisfaction with Bank NTB Syariah, indicating that the financial motive created Satisfaction and Loyalty among the bank's customers. Although satisfaction statistically significantly influenced customer loyalty with Bank NTB Syariah, it could not play a significant role as an intervening variable. As shown by the t-statistics value and path coefficient, 10.559 and 0.580, respectively, the absence of a relationship between the religious motive and Loyalty implied that satisfaction could not function as an intervening variable in the relationship between the religious motive and Loyalty.

Rasio Keuangan Terhadap Profitabilitas dengan Nom dan Gwm Sebagai Pemoderasi Rasio Keuangan Perbankan Azhar Shafiin; Ahmad Amir Aziz; Sanurdi Sanurdi; Herawati Khotmi
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 4 No 4 (2023): May 2023
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v4i4.3365

The Profitability Ratio is the primary ratio in measuring the achievement of banking performance. Several other ratios, such as CAR, FDR, BOPO, and NPF, influence the profitability ratio. This study examines and analyzes the effect of the Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operating Expenses to Operating Income (BOPO), and Non-Performing Financing (NPF) on the profitability of PT. Bank NTB Syariah with NOM (Net Operating Margin) and Reserve Requirement (Minimum Statutory Reserve) as moderating. This quantitative research wants to reveal the effect of financial ratios on profitability. The data is from the PT Bank NTB Syariah publication report from 2019 to 2021. The data analysis technique in this study used Partial Least Square (PLS). The results showed that CAR, BOPO, and NPF did not have a significant and negative effect on ROA, shown by P-Value Values of 0.212, 0.505, and 0.360, respectively. In contrast, FDR had a significant and positive effect on ROA, indicated by P-Value Values of 0.000. For moderator variables, GWM and NOM have no significant effect in moderating FDR and BOPO variables, indicated by P-Value Values of 0.988 and 0.589, respectively.

The Influence of Online Customer Reviews and Online Customer Ratings on Purchase Decisions with Trust as the Intervening Variable Nurhaliza, Nina; Yusup, Muhammad; Sanurdi, Sanurdi
MANAZHIM Vol 6 No 2 (2024): AGUSTUS
Publisher : Manajemen Pendidikan Islam STIT Palapa Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36088/manazhim.v6i2.4707

Along with the advancement of time, technology, and information in the world, especially the internet, have experienced rapid development. Various buying and selling transactions that previously could only be done face-to-face can now be easily accessed using smartphones. Online customer review and online customer rating features can be said to be one of the strategies found in marketplace applications, one of which is the Shopee marketplace. These features can certainly influence consumer purchasing decisions. Online customer reviews and ratings are features that consumers can use to obtain product-related information when shopping online. This study aims to analyze the influence of online customer reviews and online customer ratings on purchase decisions with trust as the mediator on the Shopee marketplace. The population in this study is millennial Muslim consumers who use the Shopee marketplace in Mataram City. Sampling was done using purposive sampling technique, with 100 respondents. The analysis technique used is SEM-PLS with Smart PLS 3 software. The results of this study found that there is no direct influence of online customer reviews and online customer ratings on purchase decisions. Only trust directly influences purchase decisions. Online customer reviews and online customer ratings directly influence trust. Meanwhile, online customer reviews and online customer ratings indirectly influence purchase decisions through trust.

Analisis Strategi Pemasaran Syariah Dalam Meningkatkan Pembiayaan Aparatur Sipil Negara Di PT. Bank NTB Syariah Cabang Sriwijaya Sani, Ahmad Rizqon; Mas'ud, Riduan; Sanurdi, Sanurdi; Amini, Titik Husnawati
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 8 No 3 (2024): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v8i3.25173

This research is motivated by the growth of ASN financing which is getting better from year to year amid banking competition in NTB requires Bank NTB Syariah to maintain growth and become the market leader in ASN financing. This research aims to analyze the marketing strategy at PT Bank NTB Syariah Sriwijaya Branch in increasing ASN financing and the factors that influence the increase in the number of customers in the financing. This is a descriptive qualitative research, with primary and secondary data sources. Secondary data is obtained from literature in the form of books, scientific papers, financial reports and other information. The data collection technique uses snowball sampling.The results of this study shows that the ASN consumer financing business has grown significantly, known from the increase in the number of customers and financing of Bank NTB Syariah Sriwijaya Branch. This is inseparable from the marketing strategy carried out by referring to the elements in the marketing mix, namely product, pricing, promotion, place, people, process, and physical evidence. There are several factors that influence it, such as cooperation between the bank and related agencies, services provided, marketing strategies that are in accordance with customer needs and desires, customer satisfaction with the features provided, and Word of Mouth

Peran Agunan dalam Penyelesaian Pembiayaan Produktif Bermasalah pada Bank Syariah Wardi, Lalu Suryamukty Primaditya; Muslihun, Muslihun; Sanurdi, Sanurdi
Jurnal Ilmu Sosial dan Humaniora Vol. 2 No. 3 (2024): Maret (Jurnal Ilmu Sosial dan Humaniora)
Publisher : CV Insan Kreasi Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57248/jishum.v2i3.366

Non-performing financing (NPF) is very common in Sharia banking, which is the main reason the availability of collateral from the customer is considered very important. This research aims to examine the role of collateral in resolving problematic productive financing, especially at PT Bank NTB Syariah Praya. The method used in this research is descriptive qualitative where researchers collect data through observation, documentation, and in-depth interviews with customers and employees of PT Bank NTB Syariah Praya. The data was then analyzed by reducing them into more concise and relevant data, presented in the form of interview quotations that were easy to understand, and relevant conclusions were drawn based on the interpretation of the data collected. The results of this research indicate that PT Bank NTB Syariah Praya requires its customers to provide collateral when applying for financing and is committed to auctioning collateral if the customer is unable to complete the financing received for any reason and if the bank believes that the customer will not be able to complete the financing in the future. However, this is hampered by a mismatch in the type of collateral provided by customers. The results of this research can be a basis for banks to review policies regarding the types of collateral allowed as a form of mitigating the risk of the emergence of more NPFs.

Pengaruh Bantuan Modal Usaha, Pendampingan, dan Penggunaan Digital Marketing Terhadap Pendapatan UMKM Binaan LAZ DASI NTB Putranto, Eko Sigit; Nasir, Mohamad Abdun; Sanurdi, Sanurdi; Amini, Titik Husnawati
FONDATIA Vol 9 No 2 (2025): JUNI
Publisher : Pendidikan Guru Madrasah Ibtidaiyah STIT Palapa Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36088/fondatia.v9i2.5666

An organization that serves as a strategic partner for MSMEs in their endeavors to enhance economic welfare and promote sustainable company growth is required in order to boost MSMEs' revenue and get beyond a number of challenges (barriers) encountered in the industry. The challenge of funding Micro, Small, and Medium-Sized Businesses supported by the West Nusa Tenggara Zakat Institution is what spurred this study. The quality of human resources is actually poor, and a lack of business acumen and proficiency with digital marketing technologies leads to lower productivity. The study's goal was to ascertain if the income of micro, small, and medium-sized businesses (Y) supported by the West Nusa Tenggara Zakat Institution might be impacted by business capital assistance (X1), mentoring (X2), and the use of digital marketing (X3). Association for Zakat in West Nusa Tenggara. This research is a quantitative survey quantitative. 60 respondents made up the whole sample, which was selected using the Cluster Area Sampling approach. sampling of an area. The Slovin formula is used by the author to determine the number of samples with a big population. Interviews with several micro, small, and medium company players reinforce the data gathered via survey distribution and analysis using SPSS software version 25. The study's findings show that the West Nusa Tenggara Zakat Dasi Institution's support of micro, small, and medium-sized enterprises is significantly impacted by mentorship, business capital assistance, and the use of digital marketing. While the revenue of micro, small, and medium-sized enterprises is not significantly affected by the usage of digital marketing, these firms do benefit from business capital support and coaching. As a result, H3 is rejected while H1, H2, and H4 are allowed.

Pengaruh Halal Knowledge dan Religiusitas terhadap Niat Membeli Produk Kosmetik Halal dengan Sikap Konsumen sebagai Mediasi Nirmalasari, Nirmalasari; Sanurdi, Sanurdi
Mutawasith: Jurnal Hukum Islam Vol. 8 No. 1 (2025)
Publisher : Prodi Hukum Ekonomi Syariah (Muamalah)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47971/mjhi.v8i1.1256

This study aims to analyze the influence of halal knowledge and religiosity on the purchase intention of halal cosmetic products, with consumer attitudes as a mediating variable. The research adopts a quantitative approach using the Partial Least Square (PLS) method to process data obtained from 150 respondents, consisting of students from the State Islamic University (UIN) Mataram in 2023. Respondents were selected based on the criteria of being halal cosmetic users, with data collected through both online and offline questionnaires. The results of the study indicate that halal knowledge has a positive and significant effect on purchase intention (t-statistic value of 3.786, p-value < 0.05). However, its effect on consumer attitudes is not significant (t-statistic value of 1.526, p-value > 0.05). On the other hand, religiosity is found to have a positive and significant influence on both consumer attitudes (t-statistic value of 2.331, p-value < 0.05) and purchase intention (t-statistic value of 3.334, p-value < 0.05). The study also reveals that consumer attitudes do not significantly mediate the influence of halal knowledge or religiosity on purchase intention.

The Impact of Religious and Economic Motives on Loyalty with Satisfaction as an Intervening Variable: A Study of the Saving Customers of Bank NTB Syariah Sanurdi, Sanurdi; Muslihun, Muslihun
International Journal of Islamic Khazanah Vol. 13 No. 1 (2023): IJIK
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijik.v13i1.25392

This study aimed to investigate the influence of religious and economic motives on customer loyalty through satisfaction. It employed a descriptive research design with a quantitative approach. The population of this study comprised the saving customers of Bank NTB Syariah, and the sampling method used was quota sampling. The data collection technique involved a questionnaire adapted from relevant sources and modified to align with the study's focus. Multivariate analysis was the data analysis technique used in this research. The findings of this study revealed that the religious motive did not significantly impact customer loyalty and Satisfaction with Bank NTB Syariah. Thus, the religious motive did not create Satisfaction and Loyalty among the bank's customers. In contrast, every bank must strive for Loyalty if they want to compete in today's fiercely competitive banking industry. The economic motive significantly influenced customer loyalty and Satisfaction with Bank NTB Syariah, indicating that the financial motive created Satisfaction and Loyalty among the bank's customers. Although satisfaction statistically significantly influenced customer loyalty with Bank NTB Syariah, it could not play a significant role as an intervening variable. As shown by the t-statistics value and path coefficient, 10.559 and 0.580, respectively, the absence of a relationship between the religious motive and Loyalty implied that satisfaction could not function as an intervening variable in the relationship between the religious motive and Loyalty.

Impact of Religiosity and Tax Penalties on Taxpayer Compliance: The Mediating Role of Taxpayer Awareness Ramli, Ahmad; Yusup, Muhamad; Sanurdi, Sanurdi
BIMA Journal (Business, Management, & Accounting Journal) Vol 6, No 1 (2025)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.6.1.199-208

Purpose: This study examines how religiosity and tax penalties influence taxpayer compliance, with taxpayer awareness as an intervening variable in the land and building tax (PBB) in Mataram City. Methodology: The Partial Least Square-Structural Equation Model (PLS-SEM) approach was used to assess both the measurement and structural models. The data was collected through a questionnaire with 100 respondents using purposive sampling techniques. Results: Taxpayer awareness significantly influences taxpayer compliance. Religiosity directly affects taxpayer compliance but does not influence taxpayer awareness. Tax penalties influence taxpayer awareness but not taxpayer compliance. Taxpayer awareness mediates the relationship between tax penalties and taxpayer compliance but not mediates the relationship between religiosity and taxpayer compliance. Findings: There is a positive and significant direct influence of the taxpayer awareness variable on taxpayer compliance and religiosity on taxpayer compliance. Tax penalties positively and significantly indirectly influence taxpayer compliance, with taxpayer awareness as an intervening variable. Novelty: The study integrates internal (religiosity) and external (tax penalties) factors in taxpayer behavior. Originality: Provides empirical insights on why tax penalties influence awareness but not direct compliance. Conclusion: Strengthening taxpayer awareness is crucial in improving compliance. The role of religiosity in taxation is inconsistent and varies by perception. Type of Paper: Empirical research paper.

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