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OPTIMIZATION OF HUMAN RESOURCES QUALITY IN IMPROVING THE PERFORMANCE OF ISLAMIC BANKING EMPLOYEES Estelee Elora Akbar; Heni Noviarita; Erike Anggraeni
Jurnal Perspektif Ekonomi Darussalam (Darussalam Journal of Economic Perspec Vol 6, No 2 (2020): Jurnal Perspektif Ekonomi Darussalam
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi dan Bisnis - Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jped.v6i2.14491

The purpose of this study was to find and review the optimization of human resourcesquality in improving the performance of Islamic banking employees. The approach used in this study was a quantitative approach by using primary data obtained through questionnaires to the Islamic banking customers located in Lampung. Sampling technique used in this studywas purposive sampling with a sample size of 100 people. Analysis of the data used in this study was simple linear regression analysis. Based on the result, the study found that there are significant quality of human resources in improving the performance of Islamic banking at 10.3%. Therefore,it needs to do the optimization of human resources quality through various efforts such as the recruitment system, the planning and training given by the company toward the employees, improving the intelligence, creativity, perseverance, as well as the professionalism of the employees.

Pengaruh Word of Mouth dan E-Commerce Terhadap Peningkatan Pendapatan Menurut Perspektif Ekonomi Islam Muhammad Suhaidi; Desi Nurhabibah; Estelee Elora Akbar; Muhammad Iskandar
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5790

Income is a very important element in a trading business, because in doing a business, of course you want to know the value or amount of income earned during the business. In an economic sense, income is remuneration for the use of production factors owned by the household sector and the corporate sector which can be in the form of salaries/wages, rent, interest and profits/profits. The formulation of the problem in this study is how word of mouth and e-commerce partially and simultaneously affect the increase in income, how word of mouth and e-commerce affect the increase in income according to the Islamic Economic Perspective. The purpose of this study was to determine and analyze word of mouth and e-commerce have a positive effect on increasing revenue partially and simultaneously and to determine and analyze word of mouth and e-commerce on increasing income in the Islamic Economic Perspective. This research methodology uses quantitative methods. Sources of primary data and secondary data. The sample in this study amounted to 30 employees at Yummy Pie as respondents using a sampling technique. By using validity test, reliability test and prerequisite test using normality test and multicollinearity test. The data analysis process uses multiple linear regression analysis with SPSS 20 data processing tools. The results in the study partially show that the word of mouth variable has no significant effect on increasing income, e-commerce has a positive effect on increasing income at yummy pie in Bandar Lampung City. The results of the study simultaneously show that word of mouth and e-commerce variables have a significant effect on increasing income at yummy pie in Bandar Lampung City. The result of the analysis of the determinant coefficient of R-Squared is 0.225. This means that the variance and word of mouth and e-commerce are able to explain the variance of 22.5% while the remaining 77.5% is explained by other variables outside the study.

Earning Per Share dan Profitabilitas pada Harga Saham Perusahaan Sektor Makanan dan Minuman di Bursa Efek Indonesia Aula Nurul Ma'rifah; Estelee Elora Akbar
Eksos Vol 18 No 1 (2022): Eksos
Publisher : Jurusan Akuntansi Politeknik Negeri Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31573/eksos.v18i1.439

The development of the company's stock price on the stock exchange is important for investors and companies. Moreover, this is because it can be an indicator that studies investor behavior. The purpose of this study was to determine the effect of earnings per share and return on assets on stock prices. Sampling using purposive sampling so that there are 15 samples of companies (food and beverage sector). The results of the study show that earnings per share have an effect on stock prices and return on assets has no effect on stock prices. The effect of earning per share is because its large value provides a level of prosperity to shareholders so as to provide profit expectations for investors.

RESTRUKTURISASI PEMBIAYAAN BANK SYARIAH INDONESIA Estelee Elora Akbar
Jurnal Ilmiah Manajemen dan Kewirausahaan (JUMANAGE) Vol 2 No 1 (2023): Volume 2 Nomor 1 Januari 2023
Publisher : LPPM Universitas Dinamika Bangsa

Dilaksanakan riset ini dalam rangka mengkaji serta menganalisa terkait restrukturisasi pembiayaan terhadap laba perusahaan Bank Syariah Indonesia. Riset ini merupakan jenis riset kualitatif dengan metode pengumpulan data observasi, wawancara dan dokumentasi serta metode analisis data triangulasi data. Hasil riset ini menemukan bahwa restrukturisasi pembiayaan yang dilakukan oleh Bank Syariah Indonesia Area Kota Bandar Lampung melalui penjadwalan kembali (rescheduling), persyaratan kembali (reconditioning), penataan kembali (restructuring) sesuai dengan ketentuan dari Bank Indonesia. Restrukturisasi yang dilakukan berdampak bagi peningkatan laba perusahaan, Laba yang di peroleh perusahaan pada tahun 2019 memperoleh laba sebesar 1.952 miliyar rupiah, meningkat sebesar 12% pada tahun 2020 dengan memperoleh laba sebesar 2.187 miliyar rupiah dan meningkat sebesar 38,4% pada tahun 2021 dengan memperoleh laba 3.028 miliyar rupiah.

STRATEGI USAHA PEDAGANG KAKI LIMA (PKL) DI KOTA METRO: PASCA PANDEMI COVID-19: (Studi Kasus pada PKL di Jl. Kihajar Dewantara Metro Timur) Ditta Nurhidayanti; Estelee Elora Akbar
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 12 No. 1 (2023): MARET
Publisher : Politeknik Negeri Ambon

The purpose of this study is to identify and analyze the sales strategies of street vendors (PKL) in Metro City: Post-covid-19 pandemic. This research was conducted on Jl. Ki Hajar Dewantara, East Metro sub-district, Metro City, Lampung Province. This type of research is descriptive qualitative research. The data source used is the primary data source. Collecting data in this study using observation, interviews and documentation. The results that can be concluded in this study are identifying trading strategies that must be implemented by street vendors who are affected by Covid 19. At the beginning of the pandemic, their income had decreased but over time they were able to get up and maintain their business. The strategy for street vendors on Jl. Ki Hajar Dewantara in maintaining his business in the midst of the Covid 19 pandemic, including by expanding market share by going online, creating new products and cooperating with other business actors.

Strategi Pemasaran Pedagang Pasar Tradisional Dalam Perspektif Ekonomi Islam : (Studi Kasus Di Pasar Tradisional Desa Sidoharjo Jati Agung Lampung Selatan) Harits, Afish Rizqiya; Efrina, Lisa; Akbar, Estelee Elora
Sharing: Journal of Islamic Economics Management and Business Vol. 3 No. 1 (2024): Juni 2024
Publisher : Program Studi Ekonomi Syariah Fakultas Agama Islam Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/sharing.v3i1.24693

The point of this exploration is to figure out how mudharabah contracts are executed in Sidoharjo Town and to figure out the perspective on sharia monetary regulation in regards to the framework utilized. In this examination, the strategy utilized is field research with a subjective graphic methodology and the information assortment techniques utilized are organized perception, meetings and documentation. The sources in this examination were individuals who keep cows and cow proprietors in Sidoharjo Town. The examination results show that assuming that there is a benefit sharing framework in bringing cows up in Sidoharjo Town, Jati Agung Locale, South Lampung Rule, there are two benefit sharing frameworks, the first is by separating the calves that have been conceived. cows that have been cared for by their managers. Second, by isolating the benefits from the offer of steers that have been raised by the rancher subsequent to returning the capital. This collaboration is clear in deciding beginning capital and steers costs. Concerning the survey of Sharia Monetary Regulation in view of the Accumulation of Sharia Financial Regulation, the execution of the benefit sharing framework in bringing dairy cattle up in Sidoharjo Town, Jati Agung Locale, South Lampung Rule as far as benefit imparting is in agreement to appropriate guidelines. type of thought. Be that as it may, assuming a misfortune happens, this cooperation doesn't contain a component of dharar (risk) since it is commonly useful when it comes time to share the benefits and both will encounter more noteworthy misfortunes in the event that the cow they are raising kicks the bucket. Consequently, the benefit sharing collaboration did by the local area in Sidoharjo Town is as per what has been managed in the Sharia Financial Regulation Accumulation.

The Role of Islamic Economic Politics in Implementing Globalization ASEAN Economic Community (AEC) Santika, Ana; Akbar, Estelee Elora; Rahmawan, Lutfi Hery
Majapahit Journal of Islamic Finance and Management Vol. 4 No. 2 (2024): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v4i2.328

Islamic economic opportunities in the MEA era, especially in Indonesia. As understood, the MEA is a cooperation and development of ASEAN integration that aims to play an important role in supporting economic integration, building a unique economic identity, and increasing inclusiveness in the Asian region. This study concludes that Indonesia can have the opportunity for sustainable Islamic economic development because, in terms of social justice in Islamic economics, it can encourage a more equitable distribution of income and reduce economic inequality. Second, Indonesian Islamic banking can be a national strength towards a golden Indonesia and help encourage economic inclusiveness among MEA member countries, by providing greater opportunities for all levels of society in Indonesia.

The Role of Islamic Economic Politics in Implementing Globalization ASEAN Economic Community (AEC) Santika, Ana; Akbar, Estelee Elora; Rahmawan, Lutfi Hery
Majapahit Journal of Islamic Finance and Management Vol. 4 No. 2 (2024): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v4i2.328

Islamic economic opportunities in the MEA era, especially in Indonesia. As understood, the MEA is a cooperation and development of ASEAN integration that aims to play an important role in supporting economic integration, building a unique economic identity, and increasing inclusiveness in the Asian region. This study concludes that Indonesia can have the opportunity for sustainable Islamic economic development because, in terms of social justice in Islamic economics, it can encourage a more equitable distribution of income and reduce economic inequality. Second, Indonesian Islamic banking can be a national strength towards a golden Indonesia and help encourage economic inclusiveness among MEA member countries, by providing greater opportunities for all levels of society in Indonesia.

Studi Komparasi Gadai Emas Pegadaian Konvensional Dan Pegadaian Syariah Di Cabang Metro Nova Purnama Sari; Zulaikah Zulaikah; Estelee Elora Akbar
Ecopreneur : Journal of Sharia Economics Study Program Vol 4 No 2 (2023): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar

The purpose of this study is to find out the comparison between gold pawnshops in conventional pawnshops and sharia pawnshops in Metro Lampung City. The research method used in this study is a qualitative research method with descriptive analysis. The results of the study show that there are three differences in pawning gold at conventional pawnshops and sharia pawnshops, namely in the contract, the calculation of pawning costs and the Financial Institution Supervisory Board. In Conventional Pawnshops the contract used for gold pawning is a pawn contract while in Sharia Pawnshops the contract used is Rahn and Ijarah. The next difference is in the calculation of mortgage costs, Conventional Pawnshops use capital leases with a percentage set by Conventional Pawnshops. At Sharia Pawnshops, the calculation of pawning costs uses contract mun'ah and maintenance mun'ah with the calculation method stipulated by Sharia Pawnshops which is guided by DSN Fatwa No.25/DSN-MUI/III/2002 concerning rahn in point 4 which reads “Big marhun maintenance and storage costs may not be determined based on the loan amount.” The next difference is that apart from being supervised by the Financial Services Authority (OJK), such as Conventional Pawnshops, Sharia Pawnshops are also supervised by the Sharia Supervisory Board (DPS) as supervisors of sharia compliance at Sharia Pawnshops.Keywords: Pawn Gold; Conventional Pawnshops; Sharia Pawnshop Abstrak Tujuan dilakukannya studi ini adalah untuk menemukan bagaimana perbandingan gadai emas yang ada di pegadaian konvensional dan pegadaian syariah yang terdapat di Kota Metro Lampung. Metode penelitian yang digunakan dalam studi ini adalah metode penelitian kuualitatif dengan analisis deskriptif. Hasil penelitian bahwa ada tiga perbedaan dalam menggadaikan emas di Pegadaian Konvensional dengan Pegadaian Syariah yaitu pada akad, perhitungan biaya gadai dan Dewan Pengawas Lembaga Keuangan. Pada Pegadaian Konvensional akad yang digunakan pada gadai emas adalah akad gadai sedangkan pada Pegadaian Syariah akad yang digunakan Rahn dan Ijarah. Perbedaan selanjutnya ialah pada perhitungan biaya gadai, pada Pegadaian Konvensional menggunakan sewa modal dengan presentase yang telah ditetapkan oleh Pegadaian Konvensional. Pada Pegadaian Syariah perhitungan biaya gadai menggunakan mun’ah akad dan mun’ah pemeliharaan dengan metode perhitungan yang ditetapkan oleh Pegadaian Syariah yang berpedoman pada Fatwa DSN No.25/DSN-MUI/III/2002 tentang rahn pada poin ke 4 yang berbunyi “Besar biaya pemeliharaan dan penyimpanan marhun tidak boleh ditentukan berdasarkan jumlah pinjaman.”. Perbedaan selanjutnya ialah Pegadaian Syariah selain diawasi oleh Otoritas Jasa Keuangan (OJK) seperti Pegadaian Konvensioanal juga diawasi oleh Dewan Pengawas Syariah (DPS) sebagai pengawas sharia compliance pada Pegadaian Syariah.Kata Kunci: Gadai Emas; Pegadaian Konvensional; Pegadaian Syaria

TINJAUAN HUKUM EKONOMI SYARI’AH TERHADAP PRAKTEK BAGI HASIL TERNAK SAPI (Studi Kasus Di Desa Sidoharjo Kecamatan Jati Agung Kabupaten Lampung Selatan) Isbaldi, Gusri; Efrina, Lisa; Akbar, Estelee Elora
Sharing: Journal of Islamic Economics Management and Business Vol. 2 No. 2 (2023): Desember 2023
Publisher : Program Studi Ekonomi Syariah Fakultas Agama Islam Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/sharing.v2i2.19840

The point of this exploration is to figure out how mudharabah contracts are executed in Sidoharjo Town and to figure out the perspective on sharia monetary regulation in regards to the framework utilized. In this examination, the strategy utilized is field research with a subjective graphic methodology and the information assortment techniques utilized are organized perception, meetings and documentation. The sources in this examination were individuals who keep cows and cow proprietors in Sidoharjo Town. The examination results show that assuming that there is a benefit sharing framework in bringing cows up in Sidoharjo Town, Jati Agung Locale, South Lampung Rule, there are two benefit sharing frameworks, the first is by separating the calves that have been conceived. cows that have been cared for by their managers. Second, by isolating the benefits from the offer of steers that have been raised by the rancher subsequent to returning the capital. This collaboration is clear in deciding beginning capital and steers costs. Concerning the survey of Sharia Monetary Regulation in view of the Accumulation of Sharia Financial Regulation, the execution of the benefit sharing framework in bringing dairy cattle up in Sidoharjo Town, Jati Agung Locale, South Lampung Rule as far as benefit imparting is in agreement to appropriate guidelines. type of thought. Be that as it may, assuming a misfortune happens, this cooperation doesn't contain a component of dharar (risk) since it is commonly useful when it comes time to share the benefits and both will encounter more noteworthy misfortunes in the event that the cow they are raising kicks the bucket. Consequently, the benefit sharing collaboration did by the local area in Sidoharjo Town is as per what has been managed in the Sharia Financial Regulation Accumulation.

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