Garuda - Garba Rujukan Digital

The Influence of Customer Perception About Profit Sharing, Promotion and Quality of Service on The Customer Interest in Saving at BRI Syari'ah Branch Purwokerto Akhmad Faozan
Ijtimā iyya Journal of Muslim Society Research Vol. 7 No. 2 (2022)
Publisher : Postgraduate Program, State Islamic University Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ijtimaiyya.v7i2.8085

Public perceptions and attitudes towards bank interest and profit-sharing systems vary widely. Some people in Indonesia accept and reject bank interest, but some others accept the profit-sharing system while still receiving interest. These diverse attitudes provide an interesting nuance as an illustration of people's perceptions and attitudes towards bank interest and profit sharing. This study aims to examine the effect of customer perceptions of profit sharing on the intention to save, examine the effect of customer perceptions of promotions on interest in saving, examine the effect of customer perceptions of service quality on interest in saving and examine the effect of profit sharing, promotion and service quality as a whole simultaneous on customers' interest in saving. The author distributes questionnaires to customers funding at BRI Syariah Purwokerto Branch. Respondents who became the sample in this study were 100 customers. The technique of determining the sample using the technique puposive sampling. The data analysis method is carried out by carrying out several tests, namely validity, reliability, classic assumptions and hypothesis testing which includes the t test and f test. The results of this study indicate that: 1) customer perceptions of profit sharing affect the customer's intention to save as indicated by the t-count value which is greater than t-table where the t-count value is 2.351 and the t-table value is 1.984, 2). Customer perceptions about promotions have no effect on the intention to save as indicated by the t-count value which is smaller than the t-table where the t-count value is 0.416 and the t-table value is 1.984, 3). Customer perceptions of service quality have an effect on customers' interest in saving as indicated by the t-count value which is greater than t-table where the t-count value is 2.102 and the t-table value is 1.984, and 4). customer perceptions about profit sharing, promotions and service quality simultaneously effect on the interest in saving as indicated by the results of the calculation of the f test where the value of f calculate 4.382 which is greater than f table 2.70.

Application of Mudharabah and Musyarakah Financing at the Sharia Rural Banks in The City of Purwokerto Akhmad Faozan
Ijtimā iyya Journal of Muslim Society Research Vol. 6 No. 2 (2021)
Publisher : Postgraduate Program, State Islamic University Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ijtimaiyya.v6i2.8113

Islamic banks are financial institutions that carry out their business activities based on sharia principles. Sharia principles must be applied to contracts implemented in Islamic banks. One of the contracts applied in Islamic banks is mudharabah and musyarakah contracts. This study focuses on the discussion on how to apply mudharabah and musyarakah financing, the distribution of business profit sharing and the obstacles faced by Sharia Rural Banks in the City of Purwokerto in implementing this financing. This type of research is field research using a qualitative research approach. The author uses several methods of collection in this study, namely observation, interviews and documentation. There are three stages in qualitative data analysis, namely the data reduction stage, display data, and conclusion or verification. The results of this study indicate: First, the mechanism of mudharabah and musyarakah financing at Sharia Rural Banks in the City of Purwokerto includes the initial process, the analysis process, the approval process, and the disbursement process. Second, most of the profit sharing in mudharabah and musyarakah financing at Sharia Rural Banks in the City of Purwokerto uses an income projection that reaches 80%. The rest, using the method profit and loss sharing by 17% and revenue sharing as much as 3%. Third, the small percentage of use profit and loss sharing and revenue sharing as well as the large use of income projections due to constraints such as customers not having business financial reports, especially small customers, customers' reluctance to make business financial reports and Sharia Rural Banks in the City of Purwokerto not obliging to submit business financial reports.

PENGARUH BUDAYA ORGANISASI DAN LINGKUNGAN KERJA TERHADAP KINERJA KARYAWAN KSPPS BMT BEN SEJAHTERA Sikin, Sikin; Faozan, Akhmad
Jurnal Pendidikan Ekonomi (JURKAMI) Vol 9, No 1 (2024): JURKAMI
Publisher : STKIP Persada Khatulistiwa Sintang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31932/jpe.v9i1.3389

The positive growth of KSPPS BMT Ben Sejahtera (BMT BEST) over the last ten years is closely related to employee performance. These performance results are closely influenced by organizational culture and work environment. In realizing the vision and mission of BMT BEST, research is needed to discuss the influence of organizational culture and work environment on employee performance at BMT BEST. The research involved a research sample of 82% of all employees. The organizational culture variable studied is the culture that is the value of KSPPS BMT Ben Sejahtera, known by the acronym SEJAHTERA, which differentiates it from other research. The research results show that there is a positive influence of PROSPEROUS organizational culture and the Work Environment has a partial positive influence on employee performance with a significance value of less than 0.05 (respectively sig. organizational culture = 0.008 and sig. work environment 0.003). Meanwhile, through the results of the f test, it was found that the SEJAHTERA Organizational Culture and Work Environment together had a positive influence on Employee Performance with a sig. 0,000. The conclusion of this study accepts all research hypotheses.

Student Satisfaction with the Service Quality of Bank Syariah Indonesia: Importance-Performance Analysis and Customer Satisfaction Index Anggraeni, Nahdatul; Faozan, Akhmad
Jurnal Ilmiah Manajemen Kesatuan Vol. 11 No. 3 (2023): JIMKES Edisi Desember 2023
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar

This study explores service attributes deemed important by students and assesses transactional satisfaction at Bank Syariah Indonesia (BSI). Employing quantitative research methods, a random sample of 55 students from Roudhotul Quran II Islamic Boarding School, Ciwarak, Sumbang, Banyumas, participated. The study utilized the Importance-Performance Analysis (IPA) and Customer Satisfaction Index (CSI) methodologies. Data underwent validity and reliability tests using IBM SPSS 22. The IPA analysis identified significant attributes, including confidentiality, secure transactions, cleanliness, and unbiased service, all falling into quadrant II. The Customer Satisfaction Index (CSI) calculations revealed a satisfaction level of 81.25% during transactions, indicating contentment among customers with BSI’s service quality. Through the application of Importance-Performance Analysis (IPA), CSI, and interviews, specific areas necessitating improvement were pinpointed to enhance student satisfaction during transactions at Bank Syariah Indonesia. This research provides valuable insights into the critical factors influencing student satisfaction with BSI’s services and offers actionable recommendations for service enhancement.

Sharia Economics on the Market Relocation Policy of Street Vendors in Purbalingga Food Center: Socio-Economic Conditions as the Consideration Azizah, Nisrina; Faozan, Akhmad
Jurnal Ilmiah Manajemen Kesatuan Vol. 11 No. 3 (2023): JIMKES Edisi Desember 2023
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v11i3.2232

This research investigates the impact of market relocation on the socio-economic conditions of street vendors at the Purbalingga Food Center (PFC). The relocation policy aimed to discipline street vendors, create a more representative culinary area, and address urban issues by establishing a new crowd center in the Purbalingga district. The study employs descriptive qualitative research methods, incorporating interviews, observation, and documentation for data collection. The findings reveal several outcomes: sustained positive interaction among traders, increased comfort due to improved facilities, enhanced security, decreased income for street vendors resulting from a lack of buyers, and the emergence of new business opportunities such as parking attendants and cleaning staff. Despite the income decline, the relocation brought overall benefits, aligning with Sharia economic principles. The study concludes that the government's relocation policy, while introducing challenges, ultimately generated advantages for both traders and policymakers. The results highlight the multifaceted impact of such policies, emphasizing the need for careful consideration and alignment with existing issues to maximize benefits for all stakeholders.

OVER REAKSI PASAR TERHADAP HARGA SAHAM PERUSAHAAN MANUFAKTUR DI BURSA EFEK JAKARTA Adawiyah, Rabi’atul; Faozan, Akhmad
Journal of Information System, Applied, Management, Accounting and Research Vol 8 No 3 (2024): JISAMAR (June-August 2024)
Publisher : Sekolah Tinggi Manajemen Informatika dan Komputer Jayakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52362/jisamar.v8i3.1592

Overreaction phenomenon is one of the most complexity problem to make an efficient stock market. This research investigates are go public manufacturer company has an overreaction indicate, with year 2003 until 2005 scop. The methode that utilize threathen to Rahmawati and Tri (2005), calculation based on Jogiyanto (2000) formula. The finding of the research indicates there is overreaction that shows by loser portofolio to first rate winner portofolio. The comparison average cummulative abnormal return (ACAR) between loser portofolio and winner portofolio showing there’s significant difference. The research is also shown that winner portofolio is more overreacted than loser portofolio. The grouping of winner portofolio in three groups (A, B, C portofolio) and loser portofolio (D, E, F portofolio) according Rahmawati and Tri 2005), produce that Cumulative abnormal return (CAR) from loser portofolio not showing overreaction effect, only in winner portofolio showing overreaction effect.

Ethics Of Social Media From Maqashid Syari'ah Perspective Farida, Siti; Faozan, Akhmad; Nur Arofah, Arina
International Proceedings of Nusantara Raya Vol. 1 (2022): Culture In The Frame Of Multicultural Religiousity
Publisher : Lembaga Kajian Nusantara Raya UIN Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/nuraicon.v1i1.86

Nowadays, social media can replace communication interactions in the real world to cyber interactions. but the large amount of content circulating on social media contains insults, hate speech against SARA differences, blasphemy against political choices, causes society to be polarized and overrides ethics in social media. Humanitarianly the content is troubling, frightening and deprives people of freedom of choice, religion, and opinion. So, the purpose of this study is to formulate the concept and application of ethics in social media in accordance with Maqashid Syariah. Qualitative research with this descriptive approach uses observational and documentation data collection technique Nowadays, social media can replace communication interactions in the real world to cyber interactions. but the large amount of content circulating on social media contains insults, hate speech against SARA differences, blasphemy against political choices, causes society to be polarized and overrides ethics in social media. Humanitarianly the content is troubling, frightening and deprives people of freedom of choice, religion, and opinion. So, the purpose of this study is to formulate the concept and application of ethics in social media in accordance with Maqashid Syariah. Qualitative research with this descriptive approach uses observational and documentation data collection techniques. This research examines how social media ethics with the perspective of Maqashid Syariah (religion, soul, reason, descendants, and property) can maintain and find their position to build social media activities based on Islamic values in creating benefits for all mankind. s. This research examines how social media ethics with the perspective of Maqashid Syariah (religion, soul, reason, descendants, and property) can maintain and find their position to build social media activities based on Islamic values in creating benefits for all mankind.

Ethics of Social Media from Maqashid Syari'ah Perspective Farida, Siti; Faozan, Akhmad
International Proceedings of Nusantara Raya Vol. 1 (2022): Culture In The Frame Of Multicultural Religiousity
Publisher : Lembaga Kajian Nusantara Raya UIN Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/nuraicon.v1i1.145

Nowadays, social media can replace communication interactions in the real world to cyber interactions. but the large amount of content circulating on social media contains insults, hate speech against SARA differences, blasphemy against political choices, causes society to be polarized and overrides ethics in social media. Humanitarianly the content is troubling, frightening and deprives people of freedom of choice, religion, and opinion. So, the purpose of this study is to formulate the concept and application of ethics in social media in accordance with Maqashid Syariah. Qualitative research with this descriptive approach uses observational and documentation data collection techniques. This research examines how social media ethics with the perspective of Maqashid Syariah (religion, soul, reason, descendants, and property) can maintain and find their position to build social media activities based on Islamic values in creating benefits for all mankind.

Murabahah dalam Hukum Islam dan Praktik Perbankan Syari’ah Serta Permasalahannya Faozan, Akhmad
Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum Vol 43 No 1 (2009)
Publisher : UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/ajish.v43i1.89

Murabahah berarti jual beli di mana penjual memberitahu pembeli biaya perolehan dan keuntungan yang diinginkannya. Murabahah dalam fiqih awalnya tidak ada berhubungan dengan pembiayaan. Kemudian, digunakan oleh perbankan syari'ah dengan menambahkan beberapa konsep lain sehingga menjadi bentuk pembiayaan. Aplikasi pembiayaan murabahah pada bank syari'ah dapat digunakan untuk pembelian barang konsumsi maupun barang dagangan yang pembayarannya dapat dilakukan secara tangguh. Transaksi murabahah yang begitu mendominasi penyaluran dana pada bank syari'ah yang jumlahnya hampir mencapai tujuh puluh lima persen dari total pembiayaan dan adanya kesan bahwa semua transaksi penyaluran dana bank syari'ah dimurabahahkan, kemungkinan untuk menekan seminimal mungkin resiko yang akan menimpa bank dalam setiap penyaluran dananya. Selain itu, dibandingkan dengan mekanisme-mekanisme pembiyaan yang lain, murabahah adalah yang paling menguntungkan dan paling sedikit resikonya terhadap bank syari'ah.

Implementasi Shariah Governance di Bank Syari’ah Faozan, Akhmad
Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum Vol 49 No 2 (2015)
Publisher : UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/ajish.v49i2.145

Shariah governance is a combining between the theory of Good Corporate Governance and the theory of sharia compliance in sharia bank. Then, Good Corporate Governance is a system of banking management which manages, operates and supervises the process of effort control to rise the added value and as a form of giving attention to the stakeholders. Whereas shariah compliance is a sharia bank?s compulsory to fulfill the obedience toward shariah?s principle. The implementation of shariah governance in shariah bank is based on five (5) principles which they are the transparency, accountability, responsibility, professionalism, and normality or fairness. Whereas shariah bank in its shariah compliance?s implementation, there are should be no usury (riba), uncertainty (gharar), and gambling (maysir) in all its transactions, operates the business which bases on halal (permissible by the shariah) profit, runs the mandate which was given by the customer to the bank, manages zakat (wealth„s purification), infaq (spending in Allah?s way), and sadaqah (alms) in trusted way.

Title

Found 31 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 31 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 31 Documents
Search