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All Journal ILTIZAM Journal of Sharia Economic Research Community Engagement and Emergence Journal (CEEJ) Didaktik : Jurnal Ilmiah PGSD STKIP Subang Journal of Student Research Transformasi: Journal of Economics and Business Management Jurnal Manajemen Keuangan Syariah Mutiara: Jurnal Penelitian dan Karya Ilmiah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Shariah Economics
Rohana
UIN Sulthan Thaha Saifuddin Jambi
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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The Influence of Perception and Service on the Satisfaction Level of Pawn Gold Customers at the Handil Jaya Pegadaian Syariah Main Branch Office Rohana; Rofiqoh Ferawati; Khusnul Istiqomah
ILTIZAM Journal of Shariah Economics Research Vol. 6 No. 2 (2022): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

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Abstract

This study focuses on the perception and service of Sharia Pawnshops on the level of satisfaction of Sharia Pegadaian customers. Aims to find out how big the influence of perceptions and services on the level of customer satisfaction.(1) In this study, researchers used a sample of 100 people in the city of Jambi. Researchers with a questionnaire method filled out by each sample voluntarily. In this study, researchers used the SPSS version 16 application for windows 10. (2)The following results were obtained. There is a significant influence between the perception factor (X1) on the level of satisfaction (Y) of 18.5%. And the effect of service (X2) on the satisfaction level of 80.1%. The most influential factor on satisfaction is service. (3) Five factors that affect customer satisfaction, namely, product quality, service quality, emotional and price. Then it can be concluded that perceptions and services affect the satisfaction level of pawn gold customers at the main branch office of the Handil Jaya Pegadaian Syariah.
Pengaruh Pendapatan, Pengetahuan Dan Kualitas Pelayanan Terhadap Minat Nasabah Menabungan Emas Di Unit Pegadaian Syariah UIN STS Jambi Indah Apriani; Nazori Majid; Rohana Rohana
Transformasi: Journal of Economics and Business Management Vol. 2 No. 1 (2023): March : Journal of Economics and Business Management
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/transformasi.v2i1.523

Abstract

Gold Savings is a gold balance deposit service that makes it easier for people to invest in gold savings. Gold savings are one type of investment that is in great demand by the public. This study aims to determine whether or not there is an effect of income, knowledge and quality of service on customer interest in saving gold. This research method is quantitative with multiple linear regression analysis as the analysis tool. The population in this study was 336 respondents, the sample was determined using the slovin formula, the sample in this study was 77 respondents and this research was conducted on customers of the Sharia Pawnshop Unit of UIN Sulthan Thaha Saifuddin Jambi. The results of this study indicate that the results of the F-test of income, knowledge and service quality variables together have a significant effect on customer interest in saving gold, by t-test income does not significantly affect customer interest in saving gold, knowledge has a significant effect on customer interest. saving gold and service quality significantly influence customer interest in saving gold.
PENGELOLAAN DANA INFAQ MASDJID BABBUL JANNAH KELURAHAN KENALI ASAM BAWAH DITINJAU DARI PERSPEKTIF EKONOMI ISLAM Rohana
Manajemen Keuangan Syariah Vol. 3 No. 1 (2023): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

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Abstract

This research focuses on the transparency of financial management and economic development of the Babbul Jannah mosque which is located in the Kenali Asam Bawah sub-district, Kota Baru, Jambi. This research uses descriptive qualitative method. The informants in this study were the administrators of the Babbul Jannah mosque. The results obtained in this study are 1) For the Babbul Jannah mosque which stands in Kenali Asam, the management is still consumptive, such as renovating mosques, buying prayer mats, mukena, Al-Qur'an and so on. For productive things, the Babbul Jannah mosque only rents tents, for other productive things it has not been managed properly. 2) The Babbul Jannah Mosque in Kenali Asam Bawah Village has carried out oral transparency, namely by announcing it to the congregation about the financial reports of the mosque when Friday prayers are to be held, in writing it has also been carried out, namely by pasting the financial records of the Babbul Jannah mosque on the blackboard in the mosque. To enter into the management of the Babbul Jannah mosque, namely for the development of the economy, it can be by setting up a sweets shop, establishing a tahfiz house, establishing PAUD Raudhatul Athfal, or a people's cooperative. This is in view of the importance of the welfare economy and the continuity of a civilized life and also contributes to the growth of the embryo of Islamic Civilization.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI TINGKAT KEPERCAYAAN MUZAKKI MEMBAYAR ZAKAT FITRAH MELALUI LEMBAGA PENGELOLA ZAKAT (Studi Kasus Di Desa Tanah Garo Kec. Muara Tabir, Kab. Tebo, Prov. Jambi) Sarma Ningsih; Maulana Yusuf; Rohana
Journal of Student Research Vol 1 No 5 (2023): September: Journal of Student Research
Publisher : Sekolah Tinggi Ilmu Ekonomi Trianandra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jsr.v1i5.1762

Abstract

Penelitian ini berjudul Analisis Faktor-Faktor Yang Mempengaruhi Tingkat Kepercayaan Muzakki Membayar Zakat Fitrah Melalui Lembaga Pengelola Zakat (Studi Kasus Di Desa Tanah Garo Kec. Muara Tabir, Kab. Tebo, Prov. Jambi). Tujuan dari penelitian ini adalah: 1) Untuk menjelaskan tata cara pembayaran zakat fitrah pada masyarakat Desa Tanah Garo Kec. Muara Tabir, Kab. Tebo, Prov. Jambi. 2) Untuk menjelaskan tingkat kepercayaan masyarakat Desa Tanah Garo terhadap lembaga pengelola zakat dalam mengelola zakat fitrah. 3) Untuk menjelaskan faktor-faktor yang mempengaruhi tingkat kepercayaan masyarakat membayar zakat fitrah melalui Lembaga Pengelola Zakat. Metodelogi penelitian yang digunakan oleh peneliti adalah dengan pendekatan kualitatif deskriptif, teknik pengumpulan data yang digunakan dalam penelitian ini adalah obsevasi wawancara dan dokumentasi. Hasil penelitian ini adalah: 1) Dalam proses pengelolaan zakat fitrah di Desa Tanah Garo, pengelola zakat fitrah menerima zakat fitrah dari masyarakat, lalu pengelola zakat fitrah mengelola zakat fitrah tersebut, setelah itu melakukan mengalokasikan hasil pengelolaan zakat fitrah untuk 8 asnaf yang berhak menerima zakat fitrah. Setelah tahap penerimaan zakat fitrah terakomodasi, maka tahap selanjutnya adalah tahap pengelolaan dan pengalokasian zakat fitrah yang disalurkan secara langsung pada 5 asnaf yang ada di Desa Tanah Garo yang diterima dan disalurkan pada akhir Ramadhan. 2) Tingkat kepercayaan masyarakt Desa Tanah Garo terhadap lembaga amil zakat di Desa Tanah Garo cukup tinggi. Tingkat kepercayaan masyarakat tersebut diukur dari 4 aspek kepercayaan yaitu, 1) Kinerja sesuai dengan harapan. 2) Kepercayaan telah mengerjakan sesuai dengan standar. 3) Kepercayaan bahwa pelayanannya konsisten. 4) Kepercayaan lembaga bertahan lama. 3) Ada 3 faktor yang mempengaruhi kepercayaan muzakki di Desa Tanah Garo untuk menyalurkan zakat fitrah melalui amil zakat yaitu faktor kemampuan, kebaikan hati dan integritas. 1) Faktor kemampuan atau ability dari lembaga amil zakat berpengaruh terhadap kepercayaan masyarakat untuk membayar zakat melalui amil zakat di Desa Tanah Garo yang diukur dari 4 aspek kemampuan yaitu, kompetensi, pengalaman, pengesahan institusional, dan kemampuan dalam ilmu pengetahuan. 2) Faktor kebaikan hati atau Benevolence dari lembaga amil zakat berpengaruh terhadap kepercayaan masyarakat untuk membayar zakat melalui amil zakat di Desa Tanah Garo yang diukur dari 4 aspek kebaikan hati yaitu, perhatian, empati, keyakinan dan daya terima. 3) Faktor integritas dari lembaga amil zakat berpengaruh terhadap kepercayaan masyarakat untuk membayar zakat melalui amil zakat di Desa Tanah Garo yang diukur dari 4 aspek integritas yaitu, kewajaran (fairness), pemenuhan (fulfillment), keterus-terangan (honestly), dan kehandalan (reliability). Kata Kunci: Kepercayaan, Lembaga Pengelola Zakat, Zakat Fitrah, Desa Tanah Garo
Pengaruh Etos Kerja Dan Kompetensi Kewirausahaan Terhadap Kinerja UMKM Pada Anggota Asosiasi UMKM Muaro Jambi (ASUMKMUJA) Evi Nur Azizah; Mohammad Orinaldi; Rohana Rohana
Mutiara : Jurnal Penelitian dan Karya Ilmiah Vol. 1 No. 6 (2023): Desember: Mutiara : Jurnal Penelitian dan Karya Ilmiah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/mutiara.v1i6.550

Abstract

This research aims to determine the influence of work ethic and entrepreneurial competency on MSME performance among members of the Muaro Jambi MSME Association (ASUMKMUJA). This research uses quantitative research methods and uses primary data. Samples were taken using a purposive sampling method and a sample of 56 MSME actors was obtained from 124 members of the Muaro Jambi MSME association using the Slovin formula. Based on the results of research using the t test, it shows that Work Ethic has a significantly positive effect on MSME performance among members of the Muaro Jambi MSME Association (ASUMKMUJA). And Entrepreneurial Competence also has a significant positive effect on MSME Performance among members of the Muaro Jambi MSME Association (ASUMKMUJA). Then the results obtained using the f test show that Work Ethic and Entrepreneurial Competence on MSME Performance among Members of the Muaro Jambi MSME Association (ASUMKMUJA) have a significant simultaneous effect on MSME performance as shown by an R square value of 62.9%.
Pengaruh Inovasi Layanan Dan Kesesuaian Prinsip Syariah Terhadap Kepercayaan Nasabah Pada Bank Syariah Indonesia Cabang Pattimura Selvi Aulia; Efni Anita; Rohana
JOURNAL OF SHARIA ECONOMICS Vol. 7 No. 1 (2025): Jounal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/t11scz39

Abstract

This study aims to analyze the influence of service innovation and compliance with sharia principles on customer trust at Bank Syariah Indonesia (BSI) Pattimura Jambi Branch. The study is motivated by the importance of customer trust as a key factor in maintaining sustainable relationships between banks and customers amid the increasingly competitive Islamic banking industry. Service innovation has become one of the strategic efforts undertaken by banks to improve service quality through the utilization of digital technology, while compliance with sharia principles represents the fundamental characteristic distinguishing Islamic banks from conventional banks. Therefore, both factors are assumed to play a significant role in shaping and enhancing customer trust in Islamic banking institutions.This research employed a quantitative approach with a causal associative design. The population consisted of all customers of Bank Syariah Indonesia Pattimura Jambi Branch, while the sample comprised 100 respondents selected through purposive sampling. Data were collected using questionnaires based on a Likert scale and analyzed using the Statistical Package for Social Sciences (SPSS). The data analysis techniques included validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, t-tests, F-tests, and coefficient of determination (R²).The results indicate that service innovation has a positive and significant effect on customer trust at Bank Syariah Indonesia Pattimura Jambi Branch. Furthermore, compliance with sharia principles also has a positive and significant effect on customer trust. Simultaneously, service innovation and compliance with sharia principles significantly influence customer trust. These findings suggest that customer trust is formed through a combination of innovative service quality and the bank’s commitment to consistently implementing Islamic principles. Therefore, Bank Syariah Indonesia should continue to develop technology-based service innovations while strengthening the implementation of sharia principles in order to enhance customer trust and maintain competitiveness in the Islamic banking industry
Pengaruh Profitabilitas Dan Kinerja Pasar Modal Syariah Terhadap Nilai Perusahaan  Dengan Digital Transformation Sebagai Variabel Mediasi Raqiqah Ar-Raudhah Yufrani; Agustina Mutia; Rohana Rohana
Community Engagement and Emergence Journal (CEEJ) Vol. 7 No. 2 (2026): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v7i2.11542

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh profitabilitas dan kinerja pasar modal syariah terhadap nilai perusahaan dengan Digital Transformation sebagai variabel mediasi pada perusahaan sektor energi yang terdaftar dalam Daftar Efek Syariah (DES) periode 2020–2024. Penelitian ini menggunakan pendekatan kuantitatif dengan data sekunder yang diperoleh dari laporan keuangan tahunan perusahaan dan publikasi Bursa Efek Indonesia. Teknik pengambilan sampel menggunakan purposive sampling sehingga diperoleh sampel perusahaan sektor energi yang memenuhi kriteria penelitian selama periode pengamatan. Analisis data dilakukan menggunakan metode Partial Least Squares-Structural Equation Modeling (PLS-SEM) dengan bantuan aplikasi SmartPLS 4. Hasil penelitian menunjukkan bahwa profitabilitas berpengaruh negatif dan signifikan terhadap nilai perusahaan. Kinerja pasar modal syariah tidak berpengaruh signifikan terhadap nilai perusahaan. Profitabilitas juga tidak berpengaruh signifikan terhadap Digital Transformation. Sebaliknya, kinerja pasar modal syariah berpengaruh positif dan signifikan terhadap Digital Transformation. Selanjutnya, Digital Transformation terbukti berpengaruh positif dan signifikan terhadap nilai perusahaan. Hasil pengujian mediasi menunjukkan bahwa Digital Transformation tidak mampu memediasi hubungan antara profitabilitas dan nilai perusahaan, tetapi mampu memediasi hubungan antara kinerja pasar modal syariah dan nilai perusahaan. Penelitian ini mengindikasikan bahwa Digital Transformation merupakan faktor strategis yang mampu meningkatkan nilai perusahaan sekaligus memperkuat pengaruh kinerja pasar modal syariah terhadap nilai perusahaan. Oleh karena itu, perusahaan sektor energi perlu meningkatkan implementasi transformasi digital untuk memperkuat daya saing dan meningkatkan kepercayaan investor.
PENGARUH PEMBIAYAAN MUDHARABAH DAN MUSYARAKAH TERHADAP KINERJA KEUANGAN PADA PT. BANK MUAMALAT INDONESIA TAHUN 2018-2025 Yodi Pranata; Ahmad Syahrizal; Rohana
Didaktik : Jurnal Ilmiah PGSD STKIP Subang Vol. 12 No. 02 (2026): Volume 12 No. 02, Juni 2026 Produce
Publisher : STKIP Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36989/didaktik.v12i02.15897

Abstract

This study aims to examine the effect of mudharabah and musyarakah financing on financial performance, proxied by Return on Assets (ROA), at PT Bank Muamalat Indonesia Tbk during the 2018–2025 period. This research employed an associative quantitative approach using secondary data obtained from quarterly financial reports. The sample consisted of 32 observations selected through purposive sampling. Data were analyzed using multiple linear regression with the assistance of IBM SPSS Statistics version 27. The findings indicate that mudharabah financing has no significant effect on ROA, as evidenced by a significance value of 0.414 and a t-value of 0.829. Similarly, musyarakah financing does not significantly affect ROA, with a significance value of 0.079 and a t-value of 1.819. Simultaneously, both financing variables also show no significant effect on ROA, indicated by an F-value of 2.507 and a significance value of 0.128. These results suggest that the relationship between profit-sharing financing and the profitability of Islamic banks remains complex and may be influenced by other factors beyond the variables examined in this study.
Green Banking, Profitabilitas, dan Usia Perusahaan Sebagai Determinan Nilai Perusahaan pada Bank Umum Syariah di Bursa Efek Indonesia Aninda Merliana Putri; Novi Mubyarto; Rohana Rohana
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 9 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i9.13226

Abstract

This research aims to analyze the influence of green banking, profitability, and firm age on firm value in Islamic Commercial Banks (Bank Umum Syariah/BUS) listed on the Indonesia Stock Exchange (BEI), considering the importance of sustainability practices and financial performance in shaping investor perception. The research sample consists of four BUS selected using a purposive sampling technique, with annual data for the 2014–2024 period forming an unbalanced panel which was analyzed using panel data regression via EViews 12. The results show that green banking (proxied by the Green Banking Disclosure Index/GBDI) has a significant positive influence, serving as a signal that enhances the market's valuation of the firm. Conversely, Profitability (ROA) has no significant influence, indicating that a high level of profitability is not yet the primary determinant factor for market perception. Meanwhile, Firm Age has a significant positive influence, confirming that long-term experience and credibility increase investor confidence and firm value. Simultaneously, all three variables are proven to have a significant influence on firm value. These findings emphasize that both the aspect of sustainability and the firm's operational experience are important factors in the determination of firm value.
Co-Authors Agustina Mutia Ahmad Syahrizal Aninda Merliana Putri Efni Anita Evi Nur Azizah Indah Apriani Khusnul Istiqomah Maulana Yusuf Mohammad Orinaldi Nazori Majid Novi Mubyarto Raqiqah Ar-Raudhah Yufrani Rofiqoh Ferawati Sarma Ningsih Selvi Aulia Yodi Pranata