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All Journal Al-Manahij: Jurnal Kajian Hukum Islam Jesya (Jurnal Ekonomi dan Ekonomi Syariah) FONDATIA JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) MANAZHIM EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Mutawasith: Jurnal Hukum Islam TASAMUH: Jurnal Studi Islam Bima Journal : Business, Management and Accounting Journal Jurnal Ilmu Sosial dan Humaniora International Journal of Islamic Khazanah
Sanurdi Sanurdi
Universitas Islam Negeri Mataram, Mataram
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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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

Abstract

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

Abstract

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

Abstract

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.
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

Abstract

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.
Pengaruh Profitabilitas Terhadap Harga Saham Pada Perusahaan Tambang Yang Terdaftar Di Jakarta Islamic Index (JII) 2019-2021 Dengan Solvabilitas Sebagai Variabel Moderasi Akbar, Muhammad Islahuddin; Mas’ud, Riduan; Sanurdi, Sanurdi; Khotmi, Herawati
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 7 No 1 (2024): Article Research Volume 7 Number 1, January 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v7i1.1454

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh profitabilitas terhadap harga saham pada perusahaan tambang yang terdapat di Jakarta Islamic Index (JII) tahun buku 2019-2021 dengan menggunakan solvabilitas sebagai variabel moderasi. Dalam penelitian ini komponen dari profitabilitas, peneliti menggunakan Return on Investment (ROI), Return on Equity (ROE), Earning Per Share (EPS), sebagai variabel independent dan Harga Saham sebagai variabel dependent, dengan menggunakan Debt to Equity Ratio (DER). Penelitian ini merupakan penelitian kuantitatif dengan menggunakan teknik analisis asosiatif untuk mengetahui hubungan antar variabel dengan data sekunder berupa laporan keuangan perusahaan tambang yang tergabung dalam Jakarta Islamic Index yakni PT. Adaro Energy Tbk, PT. Aneka Tambang dan PT. Bukit Asam Tbk. Adapun teknik analisis data menggunakan analisis regresi dan analisis uji interaksi berupa Moderated Regression Analysist untuk menguji pengaruh variabel moderasi. Hasil dari penelitian ini yakni menunjukkan ROI tidak berpengaruh terhadap harga saham, ROE tidak berpengaruh terhadap harga saham, EPS dapat mempengaruhi harga saham, adapun uji Moderated Regression Analysist menunjukkan bahwa variabel moderasi DER dapat memoderasi pengaruh ROI dan ROE terhadap harga saham sedangkan DER tidak dapat memoderasi pengaruh EPS terhadap harga saham.
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

Abstract

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.
Co-Authors Ahmad Amir Aziz Akbar, Muhammad Islahuddin Amini, Titik Husnawati Azhar Shafiin Herawati Khotmi Khotmi, Herawati Mas'ud, Riduan Mas’ud, Riduan Mohamad Abdun Nasir Muhamad Yusup Muhammad Yusup Muslihun Muslihun Muslihun Muslihun Nirmalasari Nirmalasari Nurhaliza, Nina Putranto, Eko Sigit Ramli, Ahmad Riduan Mas’ud Sani, Ahmad Rizqon Sarkasi Hadi Sugandi Suandi Suandi Wardi, Lalu Suryamukty Primaditya