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MODEL AIDA SEBAGAI STRATEGI PEMASARAN BAGI NASABAH MENGAMBANG PERBANKAN SYARIAH (SURVEI MASYARAKAT DI KOTA BEKASI)
Silviana, Silviana;
Putra, Purnama
Jurnal Organisasi dan Manajemen Vol 13 No 1 (2017)
Publisher : LPPM Universitas Terbuka
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As a country with moslem as the majority, Indonesia turns out to be the market of sharia Banking Industry. Yet, ironically, Sharia Banking only has market segmentation of 4,86% from the total banking service industry. This research focuses on the mapping of floating customers of sharia banking and marketing strategies done to interest future customers to be loyal customers using the model of Attention, Interest, Desire, and Action (AIDA). Bekasi is chosen as the research site since it is one of the capital city backbone for human resources and industries. The method used is a mixed method with the approach of concurrent embedded. The result shows that 54 % sample of the people in Bekasi are floating customers of sharia banks. Sharia banks around Bekasi have also implemented AIDA models to turn the floating into loyal customers. The recommendation posed by the floating customers is that sharia banks are supposed to enhance the service given to them in terms of socialization and promotion.Indonesia sebagai negara yang mayoritas berpenduduk muslim menjadi pangsa pasar industri perbankan syariah. Hal yang menjadi ironi bahwa Perbankan syariah hanya mempunyai segmen pasar 4,86 % dari total industri layanan jasa perbankan. Riset ini berfokus pada pemetaan Nasabah Mengambang Perbankan Syariah dan strategi promosi yang dilakukan Bank Syariah untuk menarik calon nasabah menjadi nasabah loyalis menggunakan model Attention, Interest, Desire dan Action (AIDA). Bekasi dipilih menjadi lokasi penelitian ini dikarenakan sebagai daerah penyangga ibukota baik dari aspek sumberdaya manusia maupun industrinya. Metode yang digunakan dalam adalah metode kombinasi dengan pendekatan concurrent embedded.Hasil dalam riset ini bahwa 54 % masyarakat kota Bekasi merupakan nasabah mengambang perbankan syariah. Perbankan syariah sudah menerapkan metode AIDA dalam strategi pemasarannya untuk menarik nasabah mengambang menjadi loyalis. Rekomendasi yang diberikan oleh nasabah mengambang yang mendapatkan porsi terbesar dengan melakukan peningkatan pelayanan sebagai perwujudan sosialisasi dan promosi kepada nasabah mengambang.
PENGARUH PEMBIAYAAN MUDHARABAH, MUSYARAKAH, MURABAHAH, DAN IJARAH TERHADAP PROFITABILITAS 4 BANK UMUM SYARIAH PERIODE 2013-2016
Putra, Purnama
Jurnal Organisasi dan Manajemen Vol 14 No 2 (2018)
Publisher : LPPM Universitas Terbuka
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This research employ quantitative descriptive method aimed at testing the effects of Mudharabah, Musyarakah, Murabahah, and Ijarah Financings simultaneously and partially on the profitability of Sharia Banks in 2013-2016. This research uses secondary data taken from financial reports of Sharia Banks (Bank Umum Syariah/BUS) registered at the Bank of Indonesia. The data is analyzed using multiple linear regression. Four sharia banks were used as samples in this study which provide financial reports per three months. They are chosen using purposive sampling method. From the research result, it can be inferred that mudharabah financing does not have significant effect, musyarakah financing has significant negative effect, while murabahah and ijarah financings have significant positive effect by partially on profitability. Whereas simultaneously have positive significant to profitability.
Penelitian ini bertujuan untuk mengetahui pengaruh pembiayaan mudharabah, musyarakah, murabahah, dan ijarah terhadap Profitabilitas Bank Umum Syariah yang terdaftar di Bank Indonesia Periode 2013-2016. Data yang digunakan adalah laporan keuangan Bank Umum Syariah (BUS) yang terdaftar di Bank Indonesia. Data dianalisis menggunakan regresi linear berganda. Sampel dalam penelitian ini sebanyak 4 Bank Umum Syariah, yang menyediakan laporan keuangan per triwulan. Sampel diambil menggunakan teknik pengambilan purposive sampling. Hasil dari penelitian ini menunjukkan secara parsial bahwa pembiayaan mudharabah tidak berpengaruh, pembiayaan musyarakah berpengaruh negatif signifikan, pembiayaan murabahah berpengaruh positif signifikan, pembiayaan ijarah berpengaruh positif signifikan terhadap profitabilitas ROE. Sedangkan secara simultan pembiayaan mudharabah, musyarakah, murabahah dan ijarah berpengaruh positif signifikan terhadap profitabilitas.
Mathematical Reasoning Ability and Learning Independence of High School Students Through Problem Based Learning Model
Putra, Purnama;
Ikhsan, M.
International Journal for Educational and Vocational Studies Vol 1, No 3 (2019): July 2019
Publisher : Universitas Malikussaleh
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DOI: 10.29103/ijevs.v1i3.1596
The ability of students to answer mathematical reasoning questions and to learn independence is still low. Mathematical reasoning and learning independence are important possessed by students. Therefore, a learning model of a relevant. One of the learning approaches is the Problem Based Learning (PBL) model. The purpose of the study to find out: Differences in the increase in mathematical reasoning abilities and student learning independence taught by using PBL with students taught with conventional learning in terms of (a) all students, and (b) student level (high, medium, low). This research is an experimental research design with a pretest-posttest control group design. The population of this study was all students of class X of the Delima 1 High School in Pidie. While the sample consisted of two classes, namely the experimental class (X-2) and the control class (X-3) taken by random sampling. The instrument used to obtain research data is a test of mathematical reasoning ability and student learning independence. To see the difference in mathematical reasoning abilities and student learning independence between classes PBL models with conventional classes using the t-test. The results showed that the improvement of students' mathematical reasoning abilities and student learning independence that obtained learning with PBL approach was better than students who obtained learning with conventional approach in terms of overall and initial abilities of students (high, medium, low), in quality there were significant differences between students who studied using PBL model with those using conventional learning.
PENGARUH PEMBIAYAAN MUDHARABAH, MUSYARAKAH, MURABAHAH, DAN IJARAH TERHADAP PROFITABILITAS 4 BANK UMUM SYARIAH PERIODE 2013-2016
Putra, Purnama
Jurnal Organisasi Dan Manajemen Vol 14 No 2 (2018)
Publisher : LPPM Universitas Terbuka
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DOI: 10.33830/jom.v14i2.159.2018
This research employ quantitative descriptive method aimed at testing the effects of Mudharabah, Musyarakah, Murabahah, and Ijarah Financings simultaneously and partially on the profitability of Sharia Banks in 2013-2016. This research uses secondary data taken from financial reports of Sharia Banks (Bank Umum Syariah/BUS) registered at the Bank of Indonesia. The data is analyzed using multiple linear regression. Four Sharia Banks were used as samples in this study which provide financial reports per three months. They are chosen using purposive sampling method. From the research result, it can be inferred that mudharabah financing does not have significant effect, musyarakah financing has significant negative effect, while murabahah and ijarah financings have significant positive effect by partially on profitability. Whereas simultaneously have positive significant to profitability. Penelitian ini bertujuan untuk mengetahui pengaruh pembiayaan mudharabah, musyarakah, murabahah, dan ijarah terhadap profitabilitas Bank Umum Syariah yang terdaftar di Bank Indonesia Periode 2013-2016. Data yang digunakan adalah laporan keuangan Bank Umum Syariah (BUS) yang terdaftar di Bank Indonesia. Data dianalisis menggunakan regresi linear berganda. Sampel dalam penelitian ini sebanyak 4 Bank Umum Syariah, yang menyediakan laporan keuangan per triwulan. Sampel diambil menggunakan teknik pengambilan purposive sampling. Hasil dari penelitian ini menunjukkan secara parsial bahwa pembiayaan mudharabah tidak berpengaruh, pembiayaan musyarakah berpengaruh negatif signifikan, pembiayaan murabahah berpengaruh positif signifikan, pembiayaan ijarah berpengaruh positif signifikan terhadap profitabilitas ROE. Sedangkan secara simultan pembiayaan mudharabah, musyarakah, murabahah dan ijarah berpengaruh positif signifikan terhadap profitabilitas.
ANALISIS TINGKAT PEMAHAMAN MAHASISWA TERHADAP PERNYATAAN STANDAR AKUNTANSI KEUANGAN SYARIAH PSAK-SYARIAH
Putra, Purnama
JRAK (Jurnal Riset Akuntansi dan Komputerisasi Akuntansi) Vol 6 No 1 (2015): JRAK : Jurnal Riset Akuntansi & Komputerisasi Akuntansi
Publisher : Jurusan Akuntansi Fakultas Ekonomi Universitas Islam 45
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DOI: 10.33558/jrak.v6i1.828
Sharia financial industries have grown rapidly in the last one decade. It causes the need of arrangingsharia accounting standard and human resources who understand the context of sharia based business becomesurgently required. Universities conducting high education services provide the students to meet the need ofsharia financial industries. Related to the provision of human resources with the understanding of shariaaccounting, Islamic Universities of 45 (Unisma) Bekasi gives two choices for the students to take either IslamicBanking or Accounting department focusing on sharia accounting. The research method employed in this study was descriptive quantitative. The primary data source wasthe written test containing 25 items consisted of 20 multiple choices and 5 essays. The sample was 23 students:8 were from sharia accounting department and 15 were from Islamic Banking in the academic year of 2012.The sample was taken by using purposive sampling technique since the sample was only those having takensharia PSAK. The method used for data analysis was by scoring the test result and converting it to the scorebased on the standard scoring of UNISMA. Based on the average score of the test done by the students of ShariaAccounting which was 72.93, the students "understand" sharia PSAK while the students of 2012 academic yearmajoring in Islamic Banking have the average score was 77 which also means that the students "understand"sharia PSAK. The hypothesis was tested by using Mann Whitney Test with the Sig value (p value) of 0.084 >0.05meaning that there is no difference between the understanding of the students who were focusing in ShariahAccounting and majoring in shareea banking belonging to the academic year of 2012 on sharia PSAK. It meansthat H alternative is rejected while H0 is accepted.
KINERJA BAITUL MAAL WA AT-TAMWIL (BMT) MASLAHAH LIL UMMAH-PONDOK PESANTREN SIDOGIRI MENGGUNKAN BALANCE SCORECARD MODIFIKASIAN
Putra, Purnama
JRAK (Jurnal Riset Akuntansi dan Komputerisasi Akuntansi) Vol 6 No 2 (2015): JRAK : Jurnal Riset Akuntansi & Komputerisasi Akuntansi
Publisher : Jurusan Akuntansi Fakultas Ekonomi Universitas Islam 45
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Pesantren (Islamic Boarding School) has a significant role in the development of the nation when it canoptimize its potential. Pesantren which can be considered as the miniature of a nation. It can be the agent of socialpiety by spreading the Islamic teaching on economy based on the fulfillment of sharia. BMT Maslahah Mursalah lilUmmah tries to prove that pesantren can apply the role in improving the life of the people around the pesantren.This research is aimed to measure the working performance of BMT MMU which is pesantren based using modifiedBalanced Scorecard and to find out the solution of the problem, also to show the best practice made by BMT MMUin developing Islamic Micro Financial Institution. The research design is parallel mixed method. The result showsthat the working performance of BMT MMU is in an excellent level. The most influential performance is economicempowerment and social legitimation. To solve several problems related to the development of BMT MMU, themanagement developed the quality of human resource and involved other people outside of the pesantren in itsoperational activities.
PERAN ZAKAT PRODUKTIF DENGAN PEMBERIAN MODAL USAHA DALAM MENINGKATKAN EKONOMI UMAT
Putra, Purnama;
Hasbiyah, Wiwik
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 8 No 1 (2017): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi
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DOI: 10.33558/maslahah.v8i1.24
The purpose of this paper is to know the role of productive zakat with the provision of venture capital in improving the economy of the people. Through the descriptive-analysis of the literature conclusion of this paper that through the provision of vocational capital by using productive zakat funds will increase the productivity of society and will eventually increase the level of national production which is an indicator of macroeconomic growth. With the distribution of zakat to the underprivileged will be the equitable distribution of public income which will eventually increase the aggregate demand in the consumption of society in macroeconomic studies is a powerful tool in the growth and equity of economic development. Another benefit of zakat distribution productively will reduce the unemployment rate, as many people have the opportunity to strive with the bailout of zakat.
PENGARUH PERSEPSI PENGURUS DEWAN KEMAKMURAN MASJID TENTANG KONSEP BAGI HASIL TERHADAP MINAT MENYIMPAN DANA DI BANK SYARIAH
Putra, purnama
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 8 No 2 (2017): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi
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DOI: 10.33558/maslahah.v8i2.322
The purpose of this study is to determine the influence of the Board of Prosperity Board Mosque's perception of the concept of profit sharing on interest in depositing funds in sharia banks. From the results of research that has been done to the board members of the Board of Prosperity Mosque Mosque Jami 'Al-Azhar Bekasi get the result that the Board of Prosperity Mosque Jami Al Azhar Bekasi has a positive perception of the concept of profit sharing applied in Islamic banks. The board of the Prosperity Council of the Mosque gave an answer that the concept of profit sharing applied in Islamic banks based on the principle of justice and has been in accordance with Islamic Shari'a. The board of the Prosperity Council of the Mosque of Jami Al Azhar Bekasi is interested to keep his funds in sharia bank even has kept his funds in sharia bank. The data obtained from the results of research processed by using SPSS 17 with Test-t get the result that the influence between the perception Board of Moslem Moslem Council about the concept of profit sharing on interest in depositing funds in Islamic Banks is evidenced by the results of simple linear regression test to get significant results.
PENGARUH MOTIVASI DAN KEPUASAN KERJA TERHADAP KUALITAS PELAYANAN: SURVEY PADA KARYAWAN BTN KANTOR CABANG SYARIAH KOTA BEKASI
Pernanu, Ikbal Gamawardi;
Putra, Purnama
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 7 No 2 (2016): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi
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DOI: 10.33558/maslahah.v7i2.1175
This study aims to identify and analyze the influence of work motivation and job satisfaction on the quality of service employees BTN Syariah Bekasi branch office. The entire population was 60 employees, while the samples used in this study were 13 respondents, the sampling technique by purposive sampling technique. The method used in this research is quantitative analysis with multiple linear regression analysis two predictors with a significance level ? = 5% by using SPSS version 16.0 for Windows. Results of the research is a significant difference between the variable partial motivation to work on service quality for T1 count = 4.302> table T = 2, 201. While there is no significant effect partially between the independent variable on the dependent variable of job satisfaction for service quality T2 count = 0, 535 <T table = 2, 201. There is a significant influence simultaneously between the independent variable motivation and job satisfaction on the dependent variable service quality obtained by F count = 10, 090> F table = 4, 10. Thus the independent variable motivation and job satisfaction have a significant effect simultaneously on the dependent variable service quality.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUGI INTENSI MUZAKI MEMBAYAR ZAKAT: SEBUAH SURVEY PADA MASYARAKAT KOTA BEKASI
Putra, Purnama
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 7 No 1 (2016): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi
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DOI: 10.33558/maslahah.v7i1.1185
The purposes of the research are: (1) to find out the factors influencing the intention of muzaki to pay zakah; (2) to find out to what extent that the factors influence the intention of muzaki to pay zakah; (3) to find out which factor among others that dominantly influences the intention of muzaki to pay zakah. The method employed in the research is quantitative method with the approach of multiple regression processed by using software SPSS 20,0. The data was collected from the questionnaires distributed to some muzaki in four different districts of Bekasi (Rawalumbu, Bekasi Timur, Bekasi Selatan and Mustika jaya). The sample was chosen purposively with the number of 30 people to test the validity and the reliability of the instruments and 100 people were contributed as the respondents. The factors influencing the intention of muzaki to pay zakah in Bekasi are: attitude, subjective norms, and the control of behavior. The three factors gave significant influence altogether to the variable of muzaki?s intention to pay zakah. The amount of attitude variable to the intention of muzaki to pay zakah was as much 4.62%, the variable of subjective norm was 2.88%, the variable of behavior control was 8.5%. Therefore, it can be concluded that the most dominant factor influencing the intention of muzaki to pay zakah was the variable of behavior control which reached 8.5%.