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Peran CAR Dalam Memediasi Antara FDR dan NPF Terhadap Profitabilitas Nabila Amyrtha Putri; Hilda Hilda; Tariza Putri Ramayanti
Banque Syar'i : Jurnal llmiah Perbankan Syariah Vol. 8 No. 2 (2022): Juli - Desember 2022
Publisher : Departement of Islamic Banking, Faculty of Islamic Economics and Business, The State of Islamic University (UIN) Sultan Maulana Hasanuddin Banten,

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Abstract

The purpose of this study was to determine the role of CAR in mediating between FDR and NPF on probility at islamic commercial bank in Indonesia. This research uses quantitative research obtained from quarterly quartely financial reports published form the websites of each islamic commercial bank in Indonesia for the 2016-2020 period. This study used a purposive sampling tecnique obtained 6 samples were obtained form 14 banks with an observation period of 5 years. The data analysis technique uses path analysis with SPSS 21. The result of the data analysis of this study rove that FDR has no effect on CAR, NPF has a negative significant effect on CAR, FDR has no effect on probility, NPF has a negative significant effect on probility, CAR has a positve significant effect on probility, CAR is unable to mediate the effect of FDR on probility, and CAR are able to mediate the effect of NPF on probility.
SISTEM BAGI HASIL JUAL KARET DI DESA KARANG ENDAH SELATAN, GELUMBANG, MUARA ENIM, EKONOMI ISLAM. Monika Anggraini; Hilda; Aziz Septiatin
Journal Central Publisher Vol 1 No 6 (2023): Jurnal Central
Publisher : Central Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (694.498 KB) | DOI: 10.60145/jcp.v1i6.129

Abstract

Latar Belakang : Suatu sistem pengolahan dana dalam perekonomian Islam yakni pembagian hasil usaha antara pemilik modal (shahibulmaal) dan pengelola (mudharib). Tujuan : Bertujuan untuk mengetahui penerapan sistem bagi hasil petani karet di desa Karang Endah Selatan kecamatan Gelumbang kabupaten Muara Enim dan Untuk mengetahui tinjauan ekonomi islam terhadap penerapan distribusi hasil penjualan karet menurut prespekif islam di desa Karang Endah Selatan kecamatan Gelumbang kabupaten Muara Enim. Metode : Metode penelitian ini menggunakan metode penelitian deskriptif kualitatif dengan metode wawancara, observasi dan dokumentasi, pengelolaan datanya dilakukan dengan mereduksi data, penarikan data penarikan kesimpulan. Hasil dan Pembahasan : Hasil penelitian ini menunjukan Penerapan Bagi Hasil Penjualan Karet petani karet di desa Karang Endah Selatan kecamatan Gelumbang kabupaten Muara Enim yaitu dalam penerapan sistem bagi hasil ini yang diterapkan yaitu sistem musaqah, karena dalam penerapan sistem ini masyarakat selalu dipraktekan dalam bagi hasil. Dan Tinjaun Ekonomi Islam Terhadap Penerapan Distribusi Hasil penjualan karet menurut prespekif islam yaitu secara garis besar sudah merujuk kepada ajaran fikih, hal ini disebabkan oleh masyarakat yang dalam kehidupannya dipengaruhi oleh kehidupan beragama dan juga terlihat dari mereka para orang tua di Desa karang Endah Selatan Kecamatan Gelumbng Kabupaten Muara Enim menyekolahkan anak-anaknya ke sekolah yang bernuansa agama. Kesimpulan : Kesimpulan dari penelitian Penerapan Penjualan Karet petani karet di desa Karang Endah Selatan kecamatan Gelumbang kabupaten Muara Enim yaitu dalam penerapan sistem bagi hasil ini yang diterapkan yaitu sistem musaqah. Dalam penerapan sistem ini ada beberapa kriteria yang diperlukan, antara lain, Semua pelaksanaan pembagian presentase hasil panen jelas dilakukan berdasarkan kepada kesepakatan tanpa adanya tekanan atau paksaan dan relevan dengan akal sehat, musaqah ini dapat menumbuhkan rasa kekeluargaan untuk saling membantu dan juga memperkuat tali persaudaraan baik untuk pemilik tanah maupun petani karet, meskipun saat ini hasil tidak seimbang dengan biaya yang dikeluarkan oleh petani karet.
Pengaruh Kualitas Pelayanan Dan Diferensiasi Produk Terhadap Keunggulan Bersaing Pada Nasabah Bank Sumsel Babel Syariah KCP UIN Raden Fatah Palembang Viera Irawan; Hilda; Fakhrina
Jurnal Ekonomi dan Bisnis Digital Vol. 1 No. 2 (2023): Oktober - Desember
Publisher : CV. ITTC INDONESIA

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Currently business competition is very competitive. Companies need a strategy to face this competition. The company must have more competitiveness compared to other companies. This competitiveness can be in the form of products produced, services or human resources. Likewise, in the world of the banking sector, especially in sharia banking, increasingly advanced technological developments have resulted in changes in customer tastes which have resulted in customers moving from one bank to another. This research aims to find out how service quality and product differentiation influence the competitive advantage of customers at Bank Sumsel Babel Syariah KCP UIN Raden Fatah Palembang. The Grand Theory of this research is to use the Resource Based View (RBV) theory. The method used is a quantitative method. The data collection technique was carried out by distributing questionnaires using a Likert scale. The sample in this study was 100 respondents with a sampling technique using Simple Random Sampling with the Slovin formula. The data analysis techniques for the questionnaire used are validity and reliability tests, classical assumption tests, multiple linear regression analysis and hypothesis testing with data processing using the SPSS ver 26 program. The research results show that the service quality variable (X1) tcount > ttable (3.428 > 1.984) has a positive and significant effect on customers' competitive advantage, so the higher the quality of service from the bank, the more customer interest there will be and can increase competitiveness. In the product differentiation variable (X2) tcount > ttable (6.318 > 1.984) has a positive and significant effect on customers' competitive advantage, so the better the bank improves the products it offers, the more superior the bank is compared to other banks. Based on the results of service quality (X1) and product differentiation (X2), they simultaneously have a positive and significant effect on the competitive advantage of customers at Bank Sumsel Babel Syariah KCP UIN Raden Fatah Palembang.
Pengaruh Kompensasi Dan Pengembangan Karir Terhadap Kinerja Karyawan Dengan Motivasi Sebagai Variabel Intervening Pada Bank SUMSEL BABEL Syariah Kc Palembang Selly Ardelia; Hilda; Fakhrina
Jurnal Ekonomi dan Bisnis Digital Vol. 1 No. 2 (2023): Oktober - Desember
Publisher : CV. ITTC INDONESIA

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Every company will always try to improve employee performance, with the hope that the company’s goals will be achieved. The theory used is the theory of human resource management. This study aims to determine whether compensation, career development, and motivation as intervening variables affect employee performance at Bank Sumsel Babel Syariah KC Palembang. The method used in this research is a quantitative method. The data collection technique was carried out by distributing questionnaires using a Likert scale. The sample in this study were 37 respondents with a sampling technique using the saturated sample method. The data analysis techniques used in this study are validity and reliability tests, classic assumption tests, multiple linear regression analysis, path analysis, and hypothesis testing by processing data using SPSS version 26. The research results show that compensation (X1) t count>t table (10.572>2.032) has a positive and significant effect on employee performance, career development(X2) t count>t table (3.230>2.032) has a positive and significant effect on employee performance, compensation (X1) t count>t table (2.548>2.032) positive and significant effect on motivation, career development (X2) t count>t table (2,521>2.032) positive and significant effect on motivation, motivation (Z) t count>t table (28.866>2.032) positive and significant effect on employee performance, compensation (X1) for motivation (Z) resuluts of direct influence < indirect influence means that it has a effect on employee performance, career development (X2) for motivation (Z) result of direct influence< indirect influence means that it has a effect on employee performance. Suggestions in this study, it is hoped that Bank Sumsel Babel Syariah KC Palembang pays more attention to the placement of employees and the compensation given to employees.
Strategi Pemasaran Syariah Pada Industri Rumahan Tempe Di Gang Saleh Plaju Dalam Meningkatkan Kesejahteraan Pelaku Usaha Muthmainnah Nur Khoiriyah; Hilda Hilda; Muhammad Junestrada Diem
Jurnal Ekonomi dan Bisnis Digital Vol. 2 No. 1 (2024): Juli - September
Publisher : CV. ITTC INDONESIA

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Marketing strategies play a crucial role in achieving business success, making the marketing function vital in realizing business plans. To remain competitive and increase sales of products or services offered, a company must take action. By implementing successful marketing strategies and seizing opportunities to increase sales volume, companies can enhance or maintain their position in the market. This study aims to explore how entrepreneurs implement Islamic marketing strategies and their impact on improving their welfare. The study employs a qualitative method in the form of descriptive research. Data collection is carried out using observation, interrogation, and document collection methods. Data management involves data reduction, data presentation, and drawing conclusions. The results of this study indicate that entrepreneurs are already using Islamic Shariah-based marketing strategies similar to marketing mixes. These include: 1) product segmentation or distribution directly sold to consumers. 2) Target market, with varying consumer needs leading to product sales variation. 3) Position or reputation, entrepreneurs must maintain a good image by being respectful and having quality products. 4) Marketing tactics, utilizing differentiation so entrepreneurs have innovative developments in an ever-changing era. Entrepreneurs have already made processed products derived from tempeh. 5) Marketing values are halal and good, entrepreneurs have maintained product hygiene and some have halal certification. Traders in the Saleh alley are already included in prosperous society because they can fulfill all indicators of welfare improvement, namely physically in terms of daily clothing, food, and shelter needs, and spiritually by paying zakat, giving alms, charity, and sharing with orphanages.
Pengaruh Gaya Kepemimpinan Islam Dan Etika Kerja Islam Terhadap Kinerja Karyawan Di Kantor BMT Trans Redjo Mulyo Dadi Kecamatan Muara Telang Ahmad Fahrurozi; Hilda; Fakhrina
Jurnal Ilmu Manajemen dan Pendidikan | E-ISSN : 3062-7788 Vol. 1 No. 2 (2024): Juli - September
Publisher : CV. ITTC INDONESIA

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Kinerja Karyawan merujuk pada kemampuan karyawan dalam melaksanakan keseluruhan tugas-tugas yang menjadi tanggung jawabnya. Penelitian ini bertujuan untuk menganalisis pengaruh variabel independen yakni Gaya Kepemimpinan Islam dan Etika Kerja Islam terhadap variabel dependen yakni Kinerja Karyawan. Penelitian ini menggunakan sampel yakni para Karyawan BMT Trans Redjo Mulyo Dadi Kecamatan Muara Telang. Penelitian ini dilakukan dengan metode pengambilan data berupa kuesioner yang dibagikan kepada 30 Karyawan BMT Trans Redjo Mulyo Dadi Kecamatan Muara Telang. Kemudian dilakukan analisis kuantitatif terhadap data-data yang diperoleh. Analisis kuantitaif tersebut meliputi pengujian instrumen data, staitistik deskriptif, uji asumsi klasik (uji normalitas, uji linieritas, uji multikolinierita dan uji heterokedastisitas), analisis regresi berganda dan uji hipotesis (koefisien determinasi (Adjusted R Square), uji F dan uji T). Hasil dari penelitian ini menunjukkan bahwa Gaya Kepemimpinan Islam secara parsial berpengaruh signifikan positif terhadap Kinerja Karyawan. Kemudian Etika Kerja Islam secara parsial memiliki pengaruh signifikan positif terhadap Kinerja Karyawan. Serta secara simultan Gaya Kepemimpinan Islam dan Etika Kerja Islam berpengaruh signifikan terhadap Kinerja Karyawan. Angka Adjusted R Square adalah sebesar 0,738 yang artinya bahwa 73,8% Kinerja Karyawan dapat dijelaskan oleh kedua variabel independen dalam penelitian, sedangkan sisanya 26,2% dijelaskan oleh faktor-faktor diluar penelitian.