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Analisis perilaku Santri terhadap minat kewirausahaan (Studi pada Pondok Modern Darussalam Gontor) Suyanto Suyanto; Rahma Yudi Astuti
Al Tijarah Vol 6, No 1 (2020): June 2020
Publisher : Universitas Darussalam Gontor

Penelitian ini bertujuan untuk menguji secara empiris pengaruh sikap santri dengan adanya bentuk-bentuk penugasan dan pendidikan yang membentuk perilaku entrepreneur terhadap niatnya untuk menjadi seorang santri wirausahawan (santripreneur).Dalam mencapai tujuan, pendekatan Theory of Planned Behavior (TPB) digunakan sebagai kerangka riset. Metode pada penelitian ini adalah dengan menggunkan metode penelitian kuantitatif. Lokasi dalam penelitian ini adalah di Pondok Modern Darussalam Gontor. Data primer melalui survei kuesioner digunakan dalam penilitian ini. Data penelitian ini dianalisis secara kuantitatif melalui metode multivariat teknik Structural Equation Model (SEM). Hasil analisis data menyebutkan bahwa niat jangka pendek santri untuk menjadi wirausahawan dipengaruhi oleh variabel sikap, norma subyektif, dan kontrol perilaku.

Islamic Economic Analysis Reviews: The Practice of Transparency of Effective Flat Banking Installment Systems Rahma Yudi Astuti
Al Tijarah Vol 4, No 1 (2018): June 2018
Publisher : Universitas Darussalam Gontor

This paper is motivated by the existence of customers who do not understand the installment system that should be explained by the bank when offering their products. While the delivery of product information in which there is an installment system (flat effective), the bank takes profits in advance from the customer. This will be aggravated when the customer repays the smoothly and regularly loan installment, the bank will renew the credit again by increasing the number of new credit where the principal loan will be given by the bank, which means the customer will receive a new installment schedule with the composition of loan interest greater at the beginning. The purpose of this study is to find out how the application of the principle of transparency and its obstacle factors in implementing Bank Indonesia regulation Number: 7/6 / PBI / 2005 concerning transparency of bank product information. This study is a qualitative research with a normative evaluative approach. The study indicates that transparency of using the installment system to the customer is very important because the customer will know their rights and obligations while they are taking flat installment system. This is because most customers do not know the benefit of effective flat installment system. An effective, transparency flat installment to customers is very important to prevent misunderstandings that can cause harm to both parties especially to customers.

Analisa Kinerja Dewan Pengawas Syariah di Bank Syariah Rahma Yudi Astuti
Al Tijarah Vol 1, No 2 (2015): December 2015
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tijarah.v1i2.955

Sharia Supervisory Board (SSB) comprehensively supervise the overall product of Islamic banks. SSB then serves also as auditor of sharia is the answer to the emerging challenges of how to supervise Islamic economic institutions to remain current in accordance with the provisions of Islamic Sharia. Based on the above issues of interest to delakukan research on the role and responsibilities of the Sharia Supervisory Board of Islamic Banks. Through this study the authors wanted to know how an application in the field of surveillance conducted by SSB, by analyzing the regulations issued either BI or National Shariah Council. In its analysis the authors use an empirical approach and an analytical approach to analyze the problem was examined by field work with interviews and questionnaires for the next question was whether the line with the norms set by Bank Indonesia. The approach used is to better determine the extent to which the roles and responsibilities of SSB in the homeland. From the results obtained by analysis of the answers that the surveillance conducted by SSB against Islamic Bank has not fully maximized. In fact, only a small portion has actually supervise properly. Then the realization that SSB is the most important and influential in the Islamic Bank have not fully realized that in the end SSB participation in the daily activities of the bank can not do. Even the arrival of SSB against Islamic Bank to conduct surveillance is also very rare.

Penerapan Prinsip Kehati-hatian dalam Penyaluran Pembiayaan dan Kredit pada Lembaga Keuangan Mikro (Studi Multi Situs pada BMT Hasanah Mlarak dan BRI Unit Mlarak, Ponorogo) Rahma Yudii Astuti
Al Tijarah Vol 2, No 1 (2016): June 2016
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tijarah.v2i1.666

Microfinance institutions like the company has a motive to obtain a return (net income) are always faced with the risk, which is known as credit risk. Risks that may occur can cause great harm to financial institutions if it can not be detected and managed by microfinance semestinya.Lembaga always required to be more sensitive in detecting things that could trigger a rise in the level of non performing loan. The credit risk is the risk of potential losses resulting from the non settlement of bank loans back to the bank’s borrowers and counterparties lainnya.Penelitian a field research (field research) that are normative. Data were collected through observation, documentation, and interviews, while the type of data used are primary data and secondary data. Microfinance institutions that implement the precautionary principle in the procedures of channeling financing and credit based on standard guidelines or SOP, focus on monitoring PPAP by age collectibility of the loans/loans, to restrict credit expansion, fostering the human resources, and lending/financing the early initiative procedure, analysis, disbursement and monitoring will have implications/positive impact on the business/internal as well as the impact of a great reputation with uncontrolled NPL/NPF.

Islamic Economic Analysis Reviews: the Transparency of Top-up Banking Rahma Yudi Astuti; Dhika Amalia Kurniawan
Al Tijarah Vol 5, No 1 (2019): Juni 2019
Publisher : Universitas Darussalam Gontor

Writing this paper is based on customers who are trapped with the facilities provided by the bank, called “top up”. Customers do not need to pay off the remaining loans, customers will receive a new schedule and a new loan ceiling. This is based on many problems experienced by bank customers. The extent to which transparency is applied by banks in accordance with PBI. No. 7/6/2005 is the aim of this study. This research is qualitative research with an evaluative-normative approach. From these problems, the bank in delivering it to customers about Top Up information has not conveyed transparently what should be conveyed to customers. Transparency to customers is very important in accordance with an Islamic economy based on sharia values and principles that can be applied in all aspects of business life and transactions of the Ummah Compliance with regulations issued by the government, namely PBI no. 7/6 / PBI / 2005 which is not yet fully operational in banking in general. With transparency being applied in Islamic economics, customers will know what their rights and obligations are. Transparency to customers is very important to prevent misunderstandings that can cause harm to customers..

The Impact of Financial Management Behavior, Locus of Control, and Religiosity Toward Investment Decisions During Covid-19 Pandemic: A Study of Genta Muallaf Community in Bali Rahma Yudi Astuti; Suyanto Suyanto; Diajeng Nurul Falah; Ani Nurul Imtihanah
Al Tijarah Vol. 8 No. 2 (2022): Al Tijarah | December
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tijarah.v8i2.7298

The Covid-19 pandemic has affected many economic sectors to decline; one of them is investment. However, this sector is still becoming the center of attention especially for investors. Several factors role and influence the emotional attitudes in investment decision-making such as financial management behavior, locus of control, and religiosity. This study aims to determine the impact of financial management behavior, locus of control, and religiosity in investment decision-making during the Covid-19 pandemic. This was quantitative research that included Genta Muallaf community as the subject. The data were collected by distributing questionnaires, then were analyzed using the IBM SPSS 20 test tool. The results showed that financial management behavior did not fully affect the investment decision-making, while locus of control partially influenced the investment decision-making since both internal and external control factors greatly influenced the human situation itself, and religiosity also did not fully affect the investment decision-making during the Covid-19 pandemic since religious aspects have not been fully implemented in this community. Therefore, it is necessary to further make the financial management behavior as a proposed medium for it can influence more in investment decision-making such as: age, education, and culture aspects. Especially, Genta Muallaf community is expected to be able to foster the society through holding on Islamic law, to manage its financial based on needs instead of desires, and most importantly to always remember God in every decision-making.

Penerapan Prinsip Kehati-hatian dalam Penyaluran Pembiayaan dan Kredit pada Lembaga Keuangan Mikro (Studi Multi Situs pada BMT Hasanah Mlarak dan BRI Unit Mlarak, Ponorogo) Rahma Yudii Astuti
Al Tijarah Vol. 2 No. 1 (2016): Al Tijarah | June
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tijarah.v2i1.666

Microfinance institutions like the company has a motive to obtain a return (net income) are always faced with the risk, which is known as credit risk. Risks that may occur can cause great harm to financial institutions if it can not be detected and managed by microfinance semestinya.Lembaga always required to be more sensitive in detecting things that could trigger a rise in the level of non performing loan. The credit risk is the risk of potential losses resulting from the non settlement of bank loans back to the bank’s borrowers and counterparties lainnya.Penelitian a field research (field research) that are normative. Data were collected through observation, documentation, and interviews, while the type of data used are primary data and secondary data. Microfinance institutions that implement the precautionary principle in the procedures of channeling financing and credit based on standard guidelines or SOP, focus on monitoring PPAP by age collectibility of the loans/loans, to restrict credit expansion, fostering the human resources, and lending/financing the early initiative procedure, analysis, disbursement and monitoring will have implications/positive impact on the business/internal as well as the impact of a great reputation with uncontrolled NPL/NPF.

Analisa Kinerja Dewan Pengawas Syariah di Bank Syariah Rahma Yudi Astuti
Al Tijarah Vol. 1 No. 2 (2015): Al Tijarah | December
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tijarah.v1i2.955

Sharia Supervisory Board (SSB) comprehensively supervise the overall product of Islamic banks. SSB then serves also as auditor of sharia is the answer to the emerging challenges of how to supervise Islamic economic institutions to remain current in accordance with the provisions of Islamic Sharia. Based on the above issues of interest to delakukan research on the role and responsibilities of the Sharia Supervisory Board of Islamic Banks. Through this study the authors wanted to know how an application in the field of surveillance conducted by SSB, by analyzing the regulations issued either BI or National Shariah Council. In its analysis the authors use an empirical approach and an analytical approach to analyze the problem was examined by field work with interviews and questionnaires for the next question was whether the line with the norms set by Bank Indonesia. The approach used is to better determine the extent to which the roles and responsibilities of SSB in the homeland. From the results obtained by analysis of the answers that the surveillance conducted by SSB against Islamic Bank has not fully maximized. In fact, only a small portion has actually supervise properly. Then the realization that SSB is the most important and influential in the Islamic Bank have not fully realized that in the end SSB participation in the daily activities of the bank can not do. Even the arrival of SSB against Islamic Bank to conduct surveillance is also very rare.

Islamic Economic Analysis Reviews: The Practice of Transparency of Effective Flat Banking Installment Systems Rahma Yudi Astuti
Al Tijarah Vol. 4 No. 1 (2018): Al Tijarah | June
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tijarah.v4i1.2451

This paper is motivated by the existence of customers who do not understand the installment system that should be explained by the bank when offering their products. While the delivery of product information in which there is an installment system (flat effective), the bank takes profits in advance from the customer. This will be aggravated when the customer repays the smoothly and regularly loan installment, the bank will renew the credit again by increasing the number of new credit where the principal loan will be given by the bank, which means the customer will receive a new installment schedule with the composition of loan interest greater at the beginning. The purpose of this study is to find out how the application of the principle of transparency and its obstacle factors in implementing Bank Indonesia regulation Number: 7/6 / PBI / 2005 concerning transparency of bank product information. This study is a qualitative research with a normative evaluative approach. The study indicates that transparency of using the installment system to the customer is very important because the customer will know their rights and obligations while they are taking flat installment system. This is because most customers do not know the benefit of effective flat installment system. An effective, transparency flat installment to customers is very important to prevent misunderstandings that can cause harm to both parties especially to customers.

Islamic Economic Analysis Reviews: the Transparency of Top-up Banking Rahma Yudi Astuti; Dhika Amalia Kurniawan
Al Tijarah Vol. 5 No. 1 (2019): Al Tijarah | June
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tijarah.v5i1.3648

Writing this paper is based on customers who are trapped with the facilities provided by the bank, called “top up”. Customers do not need to pay off the remaining loans, customers will receive a new schedule and a new loan ceiling. This is based on many problems experienced by bank customers. The extent to which transparency is applied by banks in accordance with PBI. No. 7/6/2005 is the aim of this study. This research is qualitative research with an evaluative-normative approach. From these problems, the bank in delivering it to customers about Top Up information has not conveyed transparently what should be conveyed to customers. Transparency to customers is very important in accordance with an Islamic economy based on sharia values and principles that can be applied in all aspects of business life and transactions of the Ummah Compliance with regulations issued by the government, namely PBI no. 7/6 / PBI / 2005 which is not yet fully operational in banking in general. With transparency being applied in Islamic economics, customers will know what their rights and obligations are. Transparency to customers is very important to prevent misunderstandings that can cause harm to customers..

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