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Journal : Jurnal Perbankan Syariah Darussalam (JPSDa)

Faktor-Faktor Yang Mempengaruhi Loyalitas Anggota BMT UGT Sidogiri Capem Sempu muhamad Annas; Nawal Ika Susanti; Siti Nur Koyimah
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 1 No. 2 (2021): Juli 2021
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (182.718 KB) | DOI: 10.30739/jpsda.v1i2.995

Abstract

The competitive conditions of Islamic microfinance institutions, especially in BMTs are getting tighter from time to time, so that each BMT must create a new marketing strategy in order to maintain and gain a wider share and can increase the loyalty of its members, namely by improving the company's image and the quality of Islamic services as one factor. This study aims to determine the effect of corporate image and Islamic service quality on member loyalty at BMT UGT Sidogiri either partially or simultaneously. The method used is a quantitative approach with a sample of 80 respondents who are members of the BMT UGT Sidogiri Capem Sempu. This study uses multiple linear regression analysis. The results of this study indicate that there is a significant influence between corporate image and Islamic service quality on the loyalty of members of BMT UGT Sidogiri Capem Sempu either partially or simultaneously. Variable corporate image and Islamic service quality can explain the variable loyalty of members by 89.1%, which means that the image of the company and the quality of Islamic services affect the loyalty of members at BMT UGT Sidogiri Capem Sempu by 89.1%. And the model formed is Member Loyalty = 0.591 + 0.186 Corporate Image + 0.660 Islamic service quality.
PENGARUH FAKTOR SOSIAL, BUDAYA DAN RELIGIUSITAS TERHADAP KEPUTUSAN ANGGOTA MENABUNG DI BMT UGT SIDOGIRI CAPEM SEMPU Ribut Suprapto; Nawal Ika Susanti; Zulfi Ferikha
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 2 No. 1 (2022): Januari 2022
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (246.929 KB) | DOI: 10.30739/jpsda.v2i1.1280

Abstract

This research is motivated by the competitive conditions of Islamic microfinance institutions, especially in BMTs which are getting tighter from time to time, so that each BMT must create a new marketing strategy in order to maintain and achieve a wider market share and can increase member satisfaction, namely with social factors. , culture, and religiosity. The purpose of this study was to determine the effect of social, cultural and religiosity factors on members' decisions to save at BMT UGT Sidogiri Capem Sempu and to determine the econometric model of the problem. In this study using a quantitative approach. Hypothesis testing using t-test and f-test shows that: (1) social variables have a significant effect on members' decisions to save at BMT UGT Sidogiri Capem Sempu. (2) The cultural variable has no significant effect on members' decisions to save at BMT UGT Sidogiri Capem Sempu. (3) The religiosity variable has a significant effect on members' decisions to save at BMT UGT Sidogiri Capem Sempu. Social, cultural and religious factors have an influence of 20.1% on members' decisions to save at BMT UGT Sidogiri Capem Sempu while the remaining 70.9% is influenced by other variables not explained in this study.
Pengaruh Kompensasi Dan Pengalaman Kerja Terhadap Etos Kerja Islami Karyawan Bank Syariah Mandiri Kantor Cabang Rogojampi Kabupaten Banyuwangi Nurul Inayah; Nawal Ika Susanti; Rahmania Ika Putri
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 3 No. 1 (2023): Januari 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v3i1.1942

Abstract

Research with the title Influence of Compensation and Work Experience on Islamic Work Ethics of Bank Syariah Mandiri Employees at Rogojampi Banyuwangi Branch Office. With the aim to find out whether compensation influences and Work Experience affects the Islamic work ethic of employees, whether work experience affects the Islamic work ethic of Bank Syariah Mandiri Employees at Rogojampi. So it can be concluded that compensation does not significantly influence the Islamic Work Ethic, which means that Ho is accepted with a sig value of 0.147 and Work Experience has a significant effect on the Islamic Work Ethic, which means Ha is accepted with a sig value of 0,000. And the (silmutan) compensation variable (X1) and work experience variable (X2) have a very strong attachment with a value of 84,397 with a significance level of 0,000 <0.05 then Ha is accepted. The coefficient of determination (R2) is 0.862 which means that the compensation and work experience variables influence the Islamic work ethic of employees by 86.2% and the remaining 13.8% is influenced by other variables outside this study.
Analisis Perbandingan Tingkat Kesehatan Perbankan Di Bursa Efek Indonesia Menggunakan Metode Rbbr (Risk Bassed Bank Rating) Claudia, Cindy; Susanti, Nawal Ika
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 4 No. 2 (2024): Juli 2024
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v4i2.3223

Abstract

The health of the bank is a reflection of the condition and performance of a bank. Referring to Bank Indonesia Regulation No. 13/PBI/2011 there are four components to know the condition of the bank's health level, namely Risk Profile, Good Corporate Governance, Earning, and Capital. The focus of research in writing this thesis is how the analysis of the comparative health levels of Islamic Banks and Conventional Banks in the first quarter of 2019- second quarter 2020 on the Indonesia Stock Exchange uses the RBBR method. The focus of research in writing this thesis is how the analysis of the comparative health levels of Islamic Banks and Conventional Banks in the first quarter of 2019- second quarter 2020 on the Indonesia Stock Exchange uses the RBBR method. The research object consists of 6 banks going public on the Indonesia Stock Exchange, namely BTPS, BRIS, PNBS, BCA, BRI, BNI with quantitative approach methods that are descriptive of analysis. The data used is secondary data. Factors tested in the study were NPF/NPL, FR/LDR, ROA, ROE, BOPO, CAR, and GCG. The hypothesis test used is the Mann Whitney U Test with a significant level of 5%. Descriptive statistical test results on NPF/NPL, FDR/LDR, ROA, ROE, BOPO factors show that Conventional Banks are healthier compared to Islamic Banks. GCG shows that Islamic Banks and Conventional Banks alike have the same title of SEHAT, and car shows that Islamic banks are healthier compared to conventional banks. The results of the hypothesis test using the Mann Whitney U Test showed that there was no significant comparison in the ratio of NPF/NPL, FDR/LDR, ROA, CAR GCG Islamic Bank and Conventional Bank, on ROE and BOPO showing that there was a significant comparison between Islamic Bank and Conventional Bank.
The Influence Of Islamic Work Ethics, Islamic Work Motivation And Islamic Work Environment On Employee Performance Of Banks Of Syariah Indonesia In Banyuwangi City Area Suprapto, Ribut; Susanti, Nawal Ika; Masitoh, Dewi; Mamlukhah, Mamlukhah
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 1 (2025): Januari 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i1.3674

Abstract

The purpose of this study was to determine the influence of Islamic work ethics (X1), Islamic work motivation (X2), and Islamic work environment (X3) on employee performance (Y) at BSI Banyuwangi City Region. This study uses a quantitative approach with a questionnaire research type. The sample collection technique uses Nonprobability sampling in the form of saturated sampling . The number of respondents obtained was 60 employees. The analysis tool uses multiple linear regression with the help of SPSS 25 software.Testing using (t-test) shows that Islamic Work Ethics do not have a significant effect on employee performance at BSI Banyuwangi City Area. It has a t count of 0.579 which is smaller than the t table of 1.672 with a significance probability level of 0.565 which is greater than 0.05. Islamic Work Motivation does not have a significant effect on employee performance at BSI Banyuwangi City Area. It has a t count of 0.625 which is smaller than the t table of 1.672 with a significance probability level of 0.535 which is greater than 0.05. Islamic Work Environment has a significant effect on employee performance at BSI Banyuwangi City Area . It has a t count of of 3.802 which is greater than t table 1 , 672 with a significance probability level of 0.000 which is smaller than 0.05. So from the results of the research conducted by the researcher, it can be concluded that together, Islamic Work Ethics, Islamic Work Motivation, and Islamic Work Environment have an effect on Employee Performance at BSI Banyuwangi City Area.
Pengaruh Motivasi Dan Pengetahuan Kewirausahaan Terhadap Minat Berwirausaha Siswi XII Akuntansi 1 SMK Darussalam Blokagung Banyuwangi Suprapto, Ribut; Susanti, Nawal Ika; Putri, Siti Qoimatus Sarofah
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 3 No. 2 (2023): Juli 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v3i2.2508

Abstract

This study aims to determine whether or not there is a positive influence between motivation and entrepreneurial knowledge on the entrepreneurial interest of XII Accounting 1 student at Darussalam Blokagung Banyuwangi Vocational School. The data analysis tool used in this research is multiple regression analysis. This type of research is quantitative. Where the methods used to collect data include observation, interviews, documentation and questionnaires / questionnaires. Based on the results of this study, it shows that the variables X1 and X2 have a significant effect on the Y variable with an R value of 0.745 with a significance of 20.544 > 3.28. Dimensions of motivation and knowledge of entrepreneurship simultaneously influence the interest in entrepreneurship, significantly. The motivational variable produces an F count value of 0.546 and entrepreneurial knowledge of 0.487 with a significance value greater than 0.05 meaning that it simultaneously influences the interest in entrepreneurship for XII Accounting 1 students of SMK Darussalam Blokagung Banyuwangi.
Comparative Analysis Of The Health Of Syariah And Conventional Commercial Banks In Indonesia Using The Rgec Method Suprapto, Ribut; Susanti, Nawal Ika; Mamlukhah, Mamlukhah; Sa'adah, Irma
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.v5i02.4151

Abstract

The objectives of this study are analyzing financial ratios consisting of Non-Performing Financing (NPF) and Financing to Deposit Ratio (FDR, Good Corporate Governance (GCG) Return On Assets (ROA) and Capital Adequacy Ratio (CAR) can distinguish health between the Islamic banking group and the conventional banking group. This study uses a quantitative approach to the type of comparative research. The sample selection in this study used a non-probability sampling method which was purposive sampling with the following criteria: financial banking which has two sharia and conventional systems, financial banking which issued 10 consecutive financial statements, financial statement banking which had the highest assets in 2011- 2020, and banks whose financial statements whose profit and loss present data on outstanding shares and share prices. The results of the analysis of this study indicate that: 1) Financial ratios consisting of Non-Performing Financing (NPF) and Financing to Deposit Ratios (FDR, Good Corporate Governance (GCG) Return On Assets (ROA) and Capital Adequacy Ratio (CAR) are not have the ability to significantly distinguish between the Islamic banking group and the conventional banking group. The conclusion of the study shows that: 1) of the 4 (FOUR) financial ratios of Non-Performing Financing (NPF) and Financing to Deposit Ratios (FDR, Good Corporate Governance (GCG) Return On Assets (ROA) and Capital Adequacy Ratio (CAR), which analyzed, there is 1 (one) financial ratio that has the ability to distinguish significantly, namely the CAR ratio, because it has been proven by obtaining a significance value below 0.05, while the other 2 (two) financial ratios do not have the ability to distinguish (not a significant discriminator). between the Islamic banking group and conventional banking, including LDR and ROA, this is evidenced by the obtaining of a significance value above/greater than 0.05. 2) The soundness of conventional banking is better than the financial performance of Islamic banking.