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All Journal Maslahah : Jurnal Hukum Islam dan Perbankan Syariah At-Tamwil: Journal of Islamic Economics and Finance Al-ihsan : Journal of Community Development in Islamic Studies
Fajri Ryan Isnandar, Fajri Ryan
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Religion Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Analisis Kinerja Bank Syariah di Indonesia Dengan Pendekatan Sharia Maqashid Index (SMI)Tahun 2016-2018 Sari, Ihda Lasna; Isnandar, Fajri Ryan
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 11 No 2 (2020): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v11i2.2624

Abstract

This study aims to analyze the performance of Islamic banks using the Sharia Maqashid Index.The variables used in this method adopt Abu Zahra’s maqashid sharia theory, namely Tahdhib alFardh (Individual Education), Iqamah al Adl (Enforcing Justice), and Jalb al Maslahah (Achievementof welfare). From these variables finally obtained 10 performance ratios used in measuring theperformance of Islamic banks, which are then given the respective weights. The existence of thismethod originated from the inadequacy of Islamic bank performance measurements that use generalperformance measurements commonly used in conventional banks in general. This performancemeasurement was promoted by Mustafa Omar, et al in 2008 in his research entitled “The PerformanceMeasures of Islamic Banking Based on the Maqasid Framework”. The object of this research is 12BUS in Indonesia. The data used is the annual report of 12 BUS in 2016-2108. The results of thisstudy indicate that among 12 BUS in Indonesia, Bank Panin Dubai Syariah obtained the highestSMI value with an index value of 36.75. These results indicate that Panin Dubai Syariah Bankhas a good performance using the Sharia Maqashid Index. Rank 12 BUS in Indonesia as follows:Bank Panin Dubai Syariah, Bank Victoria Syariah, BCA Syariah, Bank Muamalat Indonesia, BankSyariahBukopin, BTPN Syariah, Bank BRI Syariah, Bank BNI Syariah, Bank SyariahMandiri,MaybankSyariah Indonesia, Bank JabarBanten Sharia, and Bank Mega Syariah.
Analisis Mitigasi Risiko Pada Pembiayaan Mudharabah di PT. Bank Syariah Mandiri Huda, Sofiyyatul; Isnandar, Fajri Ryan
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 11 No 1 (2020): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v11i1.2760

Abstract

Mudharabah financing is a form of cooperation between two or more parties, in which the ownerof the capital (shahibul maal) entrusts a certain amount of capital to the manager (mudharib) to bemanaged with a profit-sharing agreement (profit sharing). This study aims to determine what risksarise in mudharabah financing and how risk mitigation is carried out by Bank Syariah Mandiri. Thisresearch is research using descriptive qualitative method. Data were collected through observation,interviews with the FGD (Focus Group Discussion) method with 4 (four) sources and documentation.The method of data analysis was done by using the descriptive analysis method.. The results show thatthe risks that arise in mudharabah financing at Bank Syariah Mandiri are: First, the risk of financingcaused by the customer not being able to pay their obligations to the bank, and second, the legalrisk caused by the weakness of the agreement (agreement). As for the mitigation carried out by BankSyariah Mandiri in dealing with risks that arise in mudharabah financing, namely: First, by rigorouslyconducting 5C and 6A analysis. Second, by taking steps to save financing, including (1) intensivecollection, (2) giving warnings, (3) rescheduling, (4) reconditioning, (5) restructuring, (6) settlementthrough guarantee insurance, (7) Settlement through guarantees, (8) Settlement through Write Off,(9) Settlement through stipulation of fines / ta’wid. From risk mitigation carried out by Bank SyariahMandiri, it has been able to minimize the risks that occur in mudharabah financing.
Pengaruh Marketing Mix Terhadap Kepuasan Nasabah Produk Funding Pada Bank Syariah Indonesia Cikarang Hamidah, Innaroh; Isnandar, Fajri Ryan
At-Tamwil: Journal of Islamic Economics and Finance Vol 3 No 1 (2024): At-Tamwil: Journal of Islamic Economics and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v3i1.9605

Abstract

Marketing mix or marketing mix plays an important and potential role for the success of a company in today's business world. Therefore, to face competition that grows in line with the development of science and technology, one must prepare various preparations of appropriate and measurable marketing strategies for the continuity of a company so that it can make a greater contribution to the company. This study aims to examine the effect of product, price, place, promotion on customer satisfaction at Bank Syariah Indonesia KCP Cikarang, the sample used in this study was a purposive sample, the sample in this study was 100 respondents, the data collection technique used was a questionnaire. This questionnaire will be tested with several tests, namely multiple linear regression, normality test, heteroscedasticity test, and multicollinearity test, and hypothesis testing includes R test, F test, and T test using SPSS 26.0. The test results of this study are the product has a significant positive effect on customer satisfaction, price has a significant positive effect on customer satisfaction, place has a significant positive effect on customer satisfaction, promotion has an insignificant positive effect on customer satisfaction, product, price, place, promotion has an influence on customer satisfaction. customer.
GERAKAN INVESTASI SYARIAH DALAM PERENCANAAN KEUANGAN BAGI MASYARAKAT DESA KARANG INDAH Rizqiyah, Talida Silmi; Isfandayani, Isfandayani; Fahlevi, Rizal; Widyananto, Arief; Isnandar, Fajri Ryan
Al-Ihsan: Journal of Community Development in Islamic Studies Vol 3 No 1 (2024): Al-ihsan : Journal of Community Development in Islamic Studies
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/alihsan.v3i1.9545

Abstract

This community service aims to increase the understanding and participation of the people of Karang Indah Village, Bojongmangu District, Bekasi Regency in making sharia investments to improve the economic welfare of the village community. The problem encountered is that there are still many people in Karang Indah Village who do not understand how to manage finances properly, this causes many people to be trapped in a circle of poverty and difficulties in achieving economic welfare. To overcome this, the service team carried out a community service movement by holding a sharia investment socialization program to increase financial literacy in the community and provide education on how to manage finances effectively and efficiently. The service method uses socialization and assistance to the community in using the Bibit application to make it easier for people to invest. The results of the community service activities showed that this program was successful as seen from the enthusiasm of the community service participants who managed to understand and increase literacy on how to manage finances in investing through the Bibit application
SOSIALISASI PENGEMBANGAN UMKM MELALUI PENGAJUAN PEMBIAYAAN BANK SYARIAH DI DESA SUKAMUKTI Abdullah, Saqyllah Zahra; Rahmawati, Rafika; Isfandayani, Isfandayani; Mardiah, Siti; Isnandar, Fajri Ryan
Al-Ihsan: Journal of Community Development in Islamic Studies Vol 3 No 2 (2024): Al-Ihsan : Journal of Community Development in Islamic Studies
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/alihsan.v3i2.10346

Abstract

Micro, Small and Medium Enterprises (MSMEs) play an important role as economic drivers in Indonesia, proven to be able to survive even in conditions of economic crisis. However, the MSME sector still faces major problems related to capital, especially in obtaining credit from banks with high interest rates and material collateral requirements that are difficult to meet. The development of various Islamic banking provides an opportunity to meet the needs of MSMEs, with a profit-sharing system that is different from conventional banking. This community service aims to provide understanding and increase the literacy of MSME actors regarding financing opportunities through Islamic banks. The service method applies socialization in the development of MSMEs by applying for financing at Islamic banks in Sukamukti Village. The results of the service show that MSME players can take advantage of the potential of Islamic banking to develop their business, increase better understanding of Islamic financing mechanisms, MSME players can overcome capital challenges and encourage economic growth.
Pengaruh Self Service Technology (SST) Terhadap Kepuasan Nasabah Bank Umum Syariah Hasanah, Wihayatun; Isnandar, Fajri Ryan
At-Tamwil: Journal of Islamic Economics and Finance Vol 3 No 2 (2024): At-Tamwil: Journal of Islamic Economic and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v3i2.8203

Abstract

This research aims to explain the influence of Self Service Technology on the satisfaction of customers of Sharia Commercial Banks. The variables used in this study are two independent variables, X1 ATM and X2 Mobile Banking. The method used is a quantitat4e method with data collection through the distribution of questionnaires to customers of Sharia Commercial Banks who use Self Service Technology. The sampling technique used in this research is purpos4e sampling, with a sample size of 100 respondents. The focus of this research is on students of Un4ersitas Islam 45 Bekasi who have accounts in Sharia banks and use Self Service Technology. Instrument testing is conducted using validity and reliability tests. Data analysis is performed using classic assumption tests and hypothesis testing with multiple linear regression. The results of this study indicate that ATM and Mobile Banking services have a posit4e impact on the satisfaction of customers of Sharia Commercial Banks. This is because customers who use ATM services usually use them for cash withdrawals, while Mobile Banking is commonly utilized for transactions other than cash withdrawals because it can be done anywhere and anytime.
Efektivitas Pemasaran Produk Tabungan Syariah BATARA iB BTN Pada Masa Pandemi Yusuf, Junaedi; Isnandar, Fajri Ryan
At-Tamwil: Journal of Islamic Economics and Finance Vol 4 No 1 (2025): At-Tamwil: Journal of Islamic Economic and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v4i1.11353

Abstract

This research aims to analyze the marketing strategy of the Bank Tabungan Negara (BTN) Batara iB product during the COVID-19 pandemic, focusing on a case study at BTN Syariah Branch Office (KC) Bekasi. The research employs a field research method with a descriptive qualitative approach. Data were collected through direct observation and interviews with key stakeholders. The identified marketing strategies include direct selling methods such as cross selling, open table, door-to-door, and personal selling. The study also applies the marketing mix framework, which includes four main elements: product, price, place, and promotion. The findings indicate that conventional marketing activities were limited due to pandemic restrictions, prompting BTN Syariah KC Bekasi to shift its marketing strategies to digital platforms. The promotion of the Batara iB product was carried out through social media channels such as the official website, Instagram, Facebook, and YouTube. This digital transformation is seen as a strategic adaptation to social distancing measures and the increasing digitalization of banking services. The online marketing approach proved effective in maintaining product visibility and reaching a broader customer base. This study is expected to serve as a reference for developing sharia banking marketing strategies during crises and in post-crisis periods.
Co-Authors Abdullah, Saqyllah Zahra Arief Widyananto Fahlevi, Rizal Hamidah, Innaroh Hasanah, Wihayatun Huda, Sofiyyatul Isfandayani Isfandayani, Isfandayani Junaedi Yusuf, Junaedi Rafika Rahmawati Rizqiyah, Talida Silmi Sari, Ihda Lasna Siti Mardiah, Siti