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Strategi Alternatif Marketing Perbankan dan Lembaga Keuangan Syariah Rizal, Sofyan
Al-Iqtishad: Journal of Islamic Economics Vol 4, No 1: January 2012
Publisher : Faculty of Shariah and Law

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v4i1.2082

Abstract

MUIs fatwa about illegitimating of banking interest can be seen as an opportunity of Islamic banking and Islamic financial institutions to educate the public about the importance of operations in the Islamic financial institution. This fatwa also marked that the emergency to receive interset in Islamic law has ended. Various alternative approaches in marketing can be done to work on segments of banking and Islamic financial institutions even in the middle of banking competitions. Alternative marketing approach that focuses on segment, marketing radical, and value creation, and spiritual advocate creation become very effective to face the competition of banking today. These are can be used in maintaining and even expanding the market share of Islamic bankingDOI: 10.15408/aiq.v4i1.2082
Potensi dan Strategi Marketing Perbankan Syariah pada Segmen Kelas Menengah Indonesia Rizal, Sofyan
Al-Iqtishad: Journal of Islamic Economics Vol 5, No 2: July 2013
Publisher : Faculty of Shariah and Law

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v5i2.2116

Abstract

Group of middle-class society is a tremendous market for Islamic business, especially Islamic banking. The fact that the majority of Indonesias population is Muslim, Islamic business institutions should work on the mid-market segment earnestly. The potential of middle class development in Indonesia gives an opportunity for Islamic banks to compete in the market. Various characteristics of the middle class used as a valuable input in conducting market segmentation, targets, and formulate strategies to create the accepted products.DOI: 10.15408/aiq.v5i2.2116
Titik Temu dan Sinergi Ekonomi Islam dan Ekonomi Kerakyatan Rizal, Sofyan
Al-Iqtishad: Journal of Islamic Economics Vol 3, No 1: Januari 2011
Publisher : Faculty of Shariah and Law

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v3i1.2206

Abstract

In fact, Islamic and populist economy have the same objective: they are welfare and fairness for all people. In Islam, the economical welfare and the fairness must be based on islamic norms and ethics. Koperasi is a populist economic institution that has been long existed in Indonesia. Koperasi is the main institution that is expected by the founders of this nation as a toll of economical equality and fairness. At the concept of implementation level, koperasi has a lot of compatibility with the appropriate institutions of economics empowerment of IslamDOI: 10.15408/aiq.v3i1.2206
Potensi dan Strategi Marketing Perbankan Syariah pada Segmen Kelas Menengah Indonesia Sofyan Rizal
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 5, No 2: July 2013
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (284.757 KB) | DOI: 10.15408/aiq.v5i2.2563

Abstract

Group of middle-class society is a tremendous market for Islamic business, especially Islamic banking. The fact that the majority of Indonesia's population is Muslim, Islamic business institutions should work on the mid-market segment earnestly. The potential of middle class development in Indonesia gives an opportunity for Islamic banks to compete in the market. Various characteristics of the middle class used as a valuable input in conducting market segmentation, targets, and formulate strategies to create the accepted products.DOI: 10.15408/aiq.v5i2.2563
The Resilience of Sharia and Conventional Banks in Indonesia during the Covid-19 Pandemic Crisis Nur Hidayah; Ainun Zamilah; Sofyan Rizal; Jaharuddin Jaharuddin
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 13, No 2 (2021)
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (435.454 KB) | DOI: 10.15408/aiq.v13i2.23964

Abstract

Abstract. This study aims to analyze the effect of COVID-19 on banking resilience in Indonesia and to investigate whether there are differences in the effect of COVID-19 on Islamic and conventional banks. Using panel regression with robust standard error on 38 conventional banks and sharia banks going public in Indonesia, covering the period before the COVID-19 pandemic (Q3 2018-Q4 2019) and during the COVID-19 pandemic (Q1 2020 – Q2 2021), it shows that the existence of the covid-19 crisis has a significant effect on all bank financial performance indicators, but not significant on all bank risk indicators. Using the independent t-Test test with the assumption of unequal variance and Welch correction, this study conducts a comparative test based on six panels of criteria and found that Islamic banks are more resilient than conventional banks.Keywords: Resilience, Bank Financial Performance, Bank Risk, Covid-19 Abstrak. Penelitian ini bertujuan untuk menganalisis pengaruh COVID-19 terhadap resiliensi perbankan di Indonesia dan menginvestigasi apakah terdapat perbedaan pengaruh COVID-19 terhadap resiliensi bank syariah dan konvensional. Menggunakan regresi panel dengan Robust standard error pada 38 bank konvensional dan bank syariah yang sudah ‘go public’ di Indonesia, meliputi periode sebelum pandemi COVID-19 (Q3 2018-Q4 2019) dan selama pandemi COVID-19 ( Q1 2020 – Q2 2021), studi ini menunjukkan bahwa keberadaan krisis covid-19 berpengaruh signifikan terhadap semua indikator kinerja keuangan bank, dan tidak signifikan terhadap semua indikator risiko bank. Dengan menggunakan uji Independent t-Test dengan asumsi unequal variance dan Welch correction, penelitian ini melakukan uji komparatif berdasarkan enam panel kriteria dan diperoleh kesimpulan bahwa bank syariah lebih tangguh dibandingkan bank konvensional.Kata kunci: Ketahanan, Kinerja Bank, Risiko Bank, Covid-19
Islamic Banking Efficiency: Comparative Studies Between Malaysia and Indonesia Ika Yulita; Sofyan Rizal
Signifikan: Jurnal Ilmu Ekonomi Vol 5, No 1 (2016)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (933.107 KB) | DOI: 10.15408/sjie.v5i1.3129

Abstract

The purpose of this research is to measure efficiency level of sharia banking in Malysia and Indonesia countries and to analyze the factors affecting the level of efficiency of sharia banking for both countries. This reseach uses DEA (Data Envelopment Analysis) method in order to test the assumptions of Variabel Return to Scale (VRS), and uses Kolmogorov-Smirnov and Mann Whitney U-Test in order to test normality, and uses regression dummy variable of the data from the first quarter of 2011 until the fourth quarter of 2014. The research shows overall level of efficiency of sharia banking in Malaysia and Indonesia countries are fluctuating. Based on result, sharia banking in Indonesia more efficient than sharia banking in Malaysia; However, there is no significant differences among them. The reasons of this inefficiency are deposits, total  financing, fixed asset, and personnel cost. However, operational income is the most efficient variabel for both countriesDOI:  10.15408/sjie.v5i1.3129 
Can Revenue and Human Development Promote Happiness: Study on Provinces in Indonesia Sofyan Rizal; Arief Fitrijanto
Signifikan: Jurnal Ilmu Ekonomi Vol 10, No 1 (2021)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v10i1.17600

Abstract

This study seeks to see the relationship between the human development index (HDI) and gross regional domestic product (GRDP) variables on the happiness of economic growth data for provinces in Indonesia. The method used in this research is regression and path analysis.  This study proves that happiness is not caused by the income (GRDP) of a region but rather significantly by one of the dimensions of HDI, namely the education dimension. The relationship through the variable between using path analysis through the indirect effect of the GRDP intermediary also significantly affects the education dimension. About 60% of the variable quality of education plays a role in happiness. If the effect is through an intermediary variable, the real influence of the variable quality of education on happiness is 65%. Other variables such as health and economy, directly or indirectly, do not significantly affect the level of happiness.JEL Classification: I3, E5, R10How to Cite:Rizal, S., & Fitrianto, A. (2021). Can Revenue and Human Development Promote Happiness: Study on Provinces in Indonesia. Signifikan: Jurnal Ilmu Ekonomi, 10(1), 113-128. https://doi.org/10.15408/sjie.v10i1.17600.
STRATEGI ALTERNATIF MARKETING PERBANKAN DAN LEMBAGA KEUANGAN SYARIAH Sofyan Rizal
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 4, No 1: January 2012
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (319.503 KB) | DOI: 10.15408/aiq.v4i1.2537

Abstract

MUI’s Fatwa about illegitimating of banking interest can beseen as an opportunity of Islamic banking and Islamic financial institutions to educate the public about the importance of operations in the Islamic financial institutions. This fatwa also marked that the emergency to receive interest in Islamic law has ended. Various alternative approaches in marketing can be done to work on segments of banking and Islamic financial institutions even in the middle of banking competitions. Alternative marketing approach that focuses on segment, marketing radical, and value creation, and spiritual advocate creation become very effective to face the competition of banking today. These are can be used in maintaining and even expanding the market share of Islamic banking.DOI: http://dx.doi.org/10.15408/aiq.v4i1.2537
TITIK TEMU DAN SINERGI EKONOMI ISLAM DAN EKONOMI KERAKYATAN Sofyan Rizal
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 3, No 1: Januari 2011
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (359.221 KB) | DOI: 10.15408/aiq.v3i1.2493

Abstract

In fact, Islamic and populist economy have the same objective: they are welfare and fairness for all people. In Islam, the economical welfare and the fairness must be based on Islamic norms and ethics. Koperasi is a populist economic institution that has been long existed in Indonesia. Koperasi is the main institution that is expected by the founders of this nation as a tool of economical equality and fairness. At the concept of implementation level, koperasi has a lot of compatybility with the appropiate institutions of economic empowerment of IslamDOI: 10.15408/aiq.v3i1.2493
Religious Bourgeois Lifestyle of Celebrity Hijrah: Reading the Resurrection of the Muslim Middle Class Based on Cultural Imperalism and Global Economic Factors Sunaryanto Sunaryanto; Sofyan Rizal; Zulkifli Zulkifli
MUHARRIK: Jurnal Dakwah dan Sosial Vol 5 No 1 (2022): Muharrik: Jurnal Dakwah dan Sosial
Publisher : Fakultas Dakwah Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/muharrik.v5i1.1209

Abstract

This paper attempts to analyze the bourgeois religious lifestyle of celebrities' hijrah from the perspective of globalization by focusing on how imperialism influences this lifestyle and why it is in line with the global economy. The theory used is the globalization theory of Gill Branston and Roy Stafford. The qualitative research approach is based on online and printed literature from books, websites, journals, and relevant research results. After the data is collected, the data analysis uses the interactive model of Miles and Huberman, namely data reduction, data display, interpretation, and conclusion. This study concludes that a bourgeois religious lifestyle is a form of Islamic identity for hijrah celebrities. The lifestyle displayed is bourgeois but does not leave Islam a symbol of Piety. The interpretation of the hijrah celebrity towards globalization is to construct it as a religious bourgeois identity. Cultural imperialism is a factor in forming the religious bourgeois lifestyle of celebrities who migrate in the identity displayed in the public space outside the network and in the public space in the network. The bourgeois religious lifestyle of hijrah celebrities can be in line with the interests of the global economy because they both need and complement each other.