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All Journal Inklusif: Jurnal Pengkajian Penelitian Syariah dan Ilmu Hukum Etos : Jurnal Pengabdian Masyarakat Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Ecobankers : Journal of Economy and Banking Eduvis : Jurnal Manajemen Pendidikan Islam
Toto Sukarnoto
Universitas Islam Bunga Bangsa Cirebon
Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Pengaruh Pemahaman Masyarakat Tentang Riba Terhadap Minat Bertransaksi Di Bank Syariah Nur Haida; Gama Pratama; Toto Sukarnoto; Widiawati Widiawati
Ecobankers : Journal of Economy and Banking Vol 2 No 2 (2021): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

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Abstract

This research is motivated by Islamic banks which are starting to be in demand by the public, especially the Indonesian population is the majority Muslim. However, not many people understand how Islamic banks operate. This study aims to determine the effect of public understanding of usury on interest in transacting in Islamic banks (Case Study of the Karangmekar Village Community, Karangsembung District, Cirebon Regency). This research is a type of quantitative research using the method of observation, questionnaires and documents. Data collection techniques using questionnaires or questionnaires to obtain data on public understanding of usury (X) and public interest in transacting in Islamic banks (Y). This study is a population study, because it takes the entire community of Karangmekar Village based on the level of education over the age of 18, totaling 2,140 people with a total of 96 respondents as research subjects. The results of this study indicate that the variable of public understanding of usury has a positive and significant effect on people's interest in transacting in Islamic banks. It is evident from the regression coefficient value of the variable of public understanding of usury (X) of 0.686, which means that if the public's understanding of usury has increased by 1%, the interest in transacting in Islamic banks will increase by 68.6%. In addition, it is also evident from the variable of people's understanding of usury which has a value of tcount (6,700) > ttable (1,985) and the significance value obtained is 0.000 which means that the value is smaller than the alpha value of 0.05, so the decision is H0 is rejected, it means that the variable of public understanding of usury has a significant effect on the interest in transacting in Islamic banks. Abstrak Penelitian ini dilatar belakangi oleh bank syariah yang mulai diminati oleh masyarakat, terlebih penduduk Indonesia adalah mayoritas beragama Islam. Namun tidak banyak dari masyarakat yang memahami bagaimana operasional bank syariah. Penelitian ini bertujuan untuk mengetahui adanya pengaruh pemahaman masyarakat tentang riba terhadap minat bertransaksi di Bank Syariah (Studi Kasus Masyarakat Desa Karangmekar Kecamatan Karangsembung Kabupaten Cirebon). Penelitian ini merupakan jenis penelitian kuantitatif dengan menggunakan metode observasi, angket dan dokumen. Teknik pengumpulan data dengan menggunakan kuesioner atau angket untuk mendapatkan data mengenai pemahaman masyarakat tentang riba (X) dan minat masyarakat bertransaksi di Bank Syariah (Y). Penelitian ini merupakan penelitian populasi, karena mengambil seluruh masyarakat Desa Karangmekar berdasarkan tingkat pendidikan yang berusia di atas 18 tahun yang berjumlah 2.140 orang dengan jumlah subyek penelitian sebanyak 96 responden. Hasil penelitian ini menunjukkan bahwa variabel pemahaman masyarakat tentang riba berpengaruh positif dan signifikan terhadap minat bertransaksi masyarakat di bank syariah. Terbukti dari nilai koefisien regresi variabel pemahaman masyarakat tentang riba (X) sebesar 0,686 yang berarti bahwa apabila pemahaman masyarakat tentang riba mengalami peningkatan 1% maka minat bertransaksi di bank syariah akan meningkat 68,6%. Di samping itu, terbukti juga dari variabel pemahaman masyarakat tentang riba yang memiliki nilai thitung (6,700) > ttabel (1,985) dan nilai signifikansi yang diperoleh yaitu 0,000 yang berarti nilai tersebut lebih kecil dari nilai alpha 0,05, sehingga keputusannya adalah H0 ditolak, artinya bahwa variabel pemahaman masyarakat tentang riba berpengaruh secara signifikan terhadap minat bertransaksi di bank syariah.
Peran Bank Syariah Indonesia Dalam Memberikan Pembiayaan Untuk Mendukung Peningkatan Kesejahteraan Usaha Kecil Dan Menengah Di Kabupaten Cirebon (Studi analisis Bank BSI KCP Plered I) Gama Pratama; Ahmad Munajim; Toto Sukarnoto; Barnawi Barnawi; Dapiah Dapiah; Paturohman Paturohman
Ecobankers : Journal of Economy and Banking Vol 3 No 2 (2022): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

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Abstract

Bank syariah merupakan bank yang menjalankan kegiatan usaha berdasarkan prinsip syariah atau prinsip hukum islam. Penelitian ini menggunakan metode kualitatif yaitu bertujuan untuk mengetahui peranan Bank Syariah Indonesia Tbk KCP Plered I dalam memberikan pembiayaan untuk mendukung peningktan kesejahteraan Usaha Mikro Kecil dan Menengah (UMKM) di kabupaten cirebon. Penelitian ini dilaksanakan di kabpaten cirebon yang berlangsung 4 bulan mulai dari Maret sampai Juni 2022. Adapun tehnik pengumpulan data yang dilakukan salah satunya dengan wawancara langsung mengenai judul penelitian dan rumusan masalah. Dari penelitian ini penulis melakukan analisa data maka dapat diketahui bahwa, Bank Syariah Indonesia Tbk KCP Plered I berperan dalam perkembangan Usaha Kecil dan Menengah untuk masyarakat. Dengan adanya pemberian modal yang dilakukan, dapat sangat membantu masyarakat untuk mengembangkan usaha mereka dan mampu mengurangi kemiskinan serta membantu menambah pendapatan dan membuka peluang bagi masyarakat yang ingin memulai usaha. Walaupun bank syariah memiliki berbagai macam kelebihan dan keunggulan dalam mengembangkan Usaha Kecil dan Menengah, namun Bank Syariah mempunyai kelemahan dan mempunyai kendala dalam mengembangkan Usaha Kecil dan Menengah seperti masalah permodalan, Sumber Daya Manusia, serta kebijakan pemerintah yang lamban membuat aturan yang baku untuk kepentingan bank syariah
TRANSPARANSI DAN AKUNTABILITAS MANAJEMEN PEMBIAYAAN PENDIDIKAN ISLAM: KAJIAN KONSEPTUAL Saefuddaulah Mehir; Toto Sukarnoto; Feri Herdiana
Eduvis : Jurnal Manajemen Pendidikan Islam Vol. 7 No. 2 (2022): Eduvis : Jurnal Manajemen Pendidikan Islam
Publisher : Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/eduvis.v7i2.4236

Abstract

Islamic education financing management holds a strategic position in establishing institutional accountability and public trust. This study aims to examine the conceptual dimensions of transparency and accountability in Islamic education financing management through an in-depth literature review approach. The methodology employed is a qualitative library research method by systematically analyzing primary and secondary sources consisting of books, scientific journals, and relevant policy documents. The results of this study indicate that transparency and accountability in Islamic education financing are not merely technical administrative obligations, but are deeply rooted in the principles of Islamic governance (Islamic governance values), namely amanah (trustworthiness), adl (justice), and masuliyyah (responsibility). The study further reveals that the integration of a sound financial governance framework, robust internal control mechanisms, and a participatory culture among educational stakeholders significantly reinforces the quality of financial reporting and the credibility of Islamic educational institutions. The conceptual gap identified in this study pertains to the absence of a comprehensive and integrative model that holistically bridges the Islamic normative values with modern financial management practices in the context of Islamic educational institutions.
REKONSTRUKSI MANAJEMEN MARKETING PENDIDIKAN ISLAM BERBASIS DIGITAL BRANDING SYARIAH Saefuddaulah Mehir; Toto Sukarnoto; Ibnu Hajar Al Asqolani
Eduvis : Jurnal Manajemen Pendidikan Islam Vol. 7 No. 2 (2022): Eduvis : Jurnal Manajemen Pendidikan Islam
Publisher : Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/eduvis.v7i2.4241

Abstract

The rapid advancement of digital technology has fundamentally reshaped how educational institutions communicate their value propositions to prospective students and stakeholders. Islamic educational institutions, however, have been considerably slow in adapting their marketing management strategies to this digital transformation, particularly in harmonizing contemporary digital branding practices with Shariah principles. This study aims to reconstruct a marketing management model for Islamic education grounded in the concept of digital branding Shariah an integrative framework that synthesizes digital marketing strategies with the ethical and theological imperatives of Islamic teachings. Employing a systematic library research methodology, this study analyzed and synthesized relevant academic literature, including reputable national and international journals and reference books published within the last five years. Data analysis utilized the Miles and Huberman interactive model. The findings propose a reconstructed model comprising four interrelated dimensions: Shariah-compliant digital identity, value-based content marketing, halal digital community engagement, and ethical digital accountability. This model offers a contextually grounded and operationally feasible pathway for Islamic educational institutions to enhance their competitiveness while preserving their identity and integrity.
Co-Authors Abu Lubaba Ahmad Munajim Ahmad Munajim Barnawi Barnawi Dapiah Dapiah Dini Selasi Erin Rismaya Feri Herdiana Fidya Arie Pratama Gama Pratama Heru Cahyono Ibnu Hajar Al Asqolani Khoirul Iman Mawar Jannati Al Fasir Muhammad Amin Nurdin Novita Novita Nukhyi Fajarudin Nur Fauziyyah Nur Haida Nur Muhammad Faiz Amin Nurjati Nurjati Paturohman Paturohman Saefuddaulah Mehir Sri Intan Wulandari Tarjono Tarjono Vita Rani Widiawati Widiawati