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THE ANALYSIS OF REVENUE SHARING FROM MUDHARABAH FINANCING (Case Study of BMT AL FATH IKMI CIPUTAT) Mega Rosdiana; Siti Jamilah; Andry Priharta
Muhammadiyah International Journal of Economics and Business Vol. 1, No.1, 2018
Publisher : Asosiasi Fakultas Ekonomi dan Bisnis Perguruan Tinggi Muhammadiyah

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

Abstract

The purpose of this study is to determine the effect of revenue sharing from mudharabah financing atBMT AL-Fath Ikmi Ciputat. Mudharabah is a business cooperation agreement between two partieswhere the first party (shahibul maal) provides the whole (100%) capital, while the other party becomesthe manager. The margin is the amount of profit agreed between BMT and the customer on the financingtransaction with the sale and purchase agreement, in which margins remain unchanged over the term ofthe financing. This study is quantitative research, which aims to give description about the subject understudy and check the truth of the research result, by using descriptive verification method. The samplesare taken using data collection techniques and are documented by collecting financial statement data.The data processing methods use classical assumption test and simple linear regression analysis. Thenthe conclusion of the result of calculation of statistic test t partial known tcount t, (2.165 2.0322) withsignificant value from mudharabah financing variable equal to 0.0042 less than 0.05 or 5% and havepositive coefficient direction. It can be concluded that Ho is rejected and Ha accepted, which means thatmudharabah financing variables have significant and positive effect on profit sharing.
Pendampingan UMKM di Wilayah Tangerang Selatan Sektor Food and Beveraged Dalam Pembuatan Perizinan Usaha Mikro Kecil (UMK) Melalui Online Single Submission (OSS) Berbasis Risiko Rinaldo Rinaldo; Siti Jamilah; Arovah Windiani; Muhammad Adrian
Jurnal Pengabdian Masyarakat Nusantara Vol. 3 No. 1 (2023): Februari-Juli 2023
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jpmn.v3i1.1168

Abstract

Having a Business Identification Number and its management is carried out electronically, the aim is to guarantee the legality of a business, increase opportunities for; business, get training, take part in government procurement of goods/services, certify halal product guarantees, and SNI certificate for UMK development, or in other words to get a sign of business ownership and make it easier to run a business. The socialization of making NIB is a collaboration between UMJ and the owner of C. DOFF COFFEE as a form of community service. In the form of counseling and assistance regarding the importance of obtaining permits. The output that is being processed is to publish the results of this activity in the Jurnal Pengabdian Masyarakat Nusantara.
TECHNOLOGY ADOPTION ANALYSIS OF ISLAMIC BANKS MOBILE BANKING IN INDONESIA Siti Jamilah; Ramadhan, Zulfikar; Yalina, Nita; Nabighah, Mirrah
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 10 No. 2 (2024): JULY - DECEMBER 2024
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v10i2.65113

Abstract

Introduction: The primary objective of this research is to explore customer trust, attitudes, and experience , directly effect on perceived usefulnessas and perceived ease, and indirectly impact on attitude toward using and actual system use, as utilizing Mobile Banking of the 5 Top Brand Award Sharia Banks. Methods: The study employs a quantitative method, focusing on understanding the interrelations between multiple variables. Exerting random sampling of 280 customers from the 5 Top Brand Award Sharia Banks participated as respondents in the study, and data was collected through both questionnaires and secondary sources. Results: The findings from the study indicate that all variables i.e. customer trust, attitude, and experience have a significant effect on perceived usefulness and perceived ease of use. Furthermore, both of them also have significant on attitude toward using and actual system use. Conclusion and suggestion: In summary, the technology adoption and mobile banking use by consumers variables can be explained by the perceived usefulness and perceived ease of use variables. It implicates that customers have confidence that mobile banking provides benefits for customers related to financial transaction solutions. Therefore, Islamic banks have to always update their technology and inform the public how to use it.
Peran Manajemen Sumber Daya Manusia (SDM) Terhadap Kinerja Pegawai Perbankan Syariah Filzah Aulia; Siti Jamilah
J-CEKI : Jurnal Cendekia Ilmiah Vol. 3 No. 5: Agustus 2024
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v3i5.4923

Abstract

This article explores the role of human resource management (HR) on the performance and quality of sharia banking employees. Using a literature review method or literature study with a qualitative descriptive approach, this article explains the importance of HR management in sharia banking operations. It was found that the lack of human resources who are experts in sharia finance is one of the main obstacles. The importance of education and training, appropriate recruitment, career development, Islamic organizational culture, collaboration with educational institutions, as well as empowerment and appreciation are identified as efforts that can be made to improve the quality of human resources. In addition, clear competency standards and certification are also considered important. In conclusion, effective HR management can improve employee competency and quality, which in turn will support the performance and progress of sharia banking.
MAQASHID SYARIAH INDEX (STUDI KASUS BANK MANDIRI SARIAH PERIODE 2015-2017) Ranny Juniarti; Siti Jamilah
Taraadin : Jurnal Ekonomi dan Bisnis Islam Vol. 1 No. 1 (2020)
Publisher : FEB Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24853/trd.1.1.43-54

Abstract

Penelitian ini bertujuan untuk menilai kinerja Bank Syariah Mandiri (BSM) menggunakan pendekatan maqashid syariah index. penelitian ini menggunakan tiga indikator yaitu pendidikan individual, menciptakan keadilan dan kepentingan publik. Penelitian ini termasuk penelitian deskriptif kuantitatif dengan objek penelitian yaitu Bank Syariah Mandiri (BSM). Data yang digunakan adalah data sekunder atau data laporan keuangan tahunan Bank Syariah Mandiri periode 2015-2017 yang diperoleh dari website resmi BSM. Adapun metode yang digunakan dalam penelitian ini adalah Maqashid Syariah Index. Hasil penelitian ini menunjukan bahwa (1) kinerja pendidikan individual tahun 2015 adalah sebesar 0,0044, tahun 2016 adalah 0,0027, dan tahun 2017 adalah 0,0057, (2) kinerja menciptakan keadilan pada tahun 2015 adalah 0,2694, dan pada tahun 2016 dan 2017 adalah 0,2760 dan 0,2859, (3) kinerja kepentingan publik tahun 2015 adalah 0,0159, tahun 2016 dan 2017 adalah sebesar 0,0157 dan 0,0138, (4) hasil penilaian kinerja Bank Syariah Mandiri (BSM) menggunakan pendekatan maqashid syariah index dengan tiga indikator menunjukan kinerja terbaik pada tahun 2017 yaitu sebesar 0,3054, pada tahun 2016 sebesar 0,2943, dan tahun 2015 sebesar 0,2897.
Analisis Prospek investasi Saham Syariah yang Konsisten di JII dalam 10 tahun terakhir (risk and return) Hartutik Hartutik; Siti Jamilah; Melda Maesarach; Aby Fadly
Taraadin : Jurnal Ekonomi dan Bisnis Islam Vol. 4 No. 1 (2023): Taraadin : Jurnal Ekonomi dan Bisnis Islam
Publisher : FEB Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24853/trd.4.1.%p

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui bagaimana prospek investasi saham syariah yang konsisten dalam 10 tahun terakhir di JII di beberapa tahun kedepan dilihat dari risk n returnya. Subjek penelitian adalah Saham Syariah yang listing di JII, Objek penelitian adalah Return dan risiko saham syariah. Populasi adalah 30 saham syariah di JII, sampel adalah 7 saham syariah yang mampu konsisten di JII dalam 10 tahun terakhir. Data yang diperoleh dianalisis dengan metode kuantitatif deskriptif, pendekatan upward atau downward trend. hasil penelitian disimpulkan emiten yang masuk dalam kategori konsisten selama 10 tahun terakhir dari 30 emiten saham JII yaitu dengan kode saham ADRO, AKRA, ICBP, KLBF, TLKM, UNTR dan UNVR. konsisten dalam 10 tahun terakhir namanya tidak pernah keluar dari indeks saham syariah Dari ke empat aspek keuangan tersebut dapat disimpulkan bahwa emiten yang nilai perusahaan nya dikatakan baik pada emiten dengan kode saham TLKM. Hal ini dilihat dari grafik –grafik di atas yang mempunyai garis stabil di setiap tahunnya, artinya perusahaan dapat mengelola dananya dengan baik dan lancar serta tidak mengalami penurunan yang dratis. Serta melihat dari sisi dividen pershare TLKM disimpulkan perusahaan tersebut membagikan dividen yang besar di setiap tahunnya dan relatif tidak turun.
The Influence of Corporate Governance Perception Index and Profitability on Company Performance in Companies Registered with the Indonesian Institute for Corporate Governance 2017 – 2022 Diza Muzdhalifa; Siti Jamilah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i2.6432

Abstract

This study aims to analyze the effect of the Corporate Governance Perception Index (CGPI) and profitability on company performance in companies listed on the Jakarta Islamic Index (JII) from 2018-2023. CGPI is used as an indicator to evaluate the quality of corporate governance, while profitability is measured using Market Value Added (MVA) as a proxy. This study focuses on companies that meet certain Sharia principles and financial criteria and are selected based on a purposive sampling method. The results of this study are expected to provide theoretical contributions to the development of the concept of corporate governance in the context of Sharia, as well as provide empirical evidence regarding the relationship between CGPI, profitability, and company performance. In addition, this study aims to provide insight for companies and the public to understand the impact of CGPI implementation on company value while enriching the literature on Sharia economics. This study uses a quantitative approach with secondary data from financial reports and CGPI ratings.
Analysis of the Effect of Clarity, Efficiency, Accuracy, Stimulation, and Novelty on the Attraction of Using PayLater Services Mutiara Cahyani; Siti Jamilah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 1 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7516

Abstract

This study aims to analyze the influence of five independent variables—perspicuity, efficiency, dependability, stimulation, and novelty—on the attractiveness of PayLater services, and their impact on user decisions in using the service. The research method used is quantitative with an associative approach and multiple linear regression analysis techniques through SEM-PLS. The results of the validity test show that all indicators have an outer loading value > 0.7, while the composite reliability and AVE values ​​indicate the consistency and validity of the construct. The goodness-of-fit model test produces an SRMR value of 0.051 (<0.08), indicating that the model is appropriate. The R-square value of 0.777 indicates that 77.7% of the variation in attractiveness is explained by the five independent variables. The F-square test shows that stimulation has a moderate effect (0.157), while other variables have a small effect (values ​​between 0.067–0.114). Path analysis shows that all hypotheses are significantly accepted (p < 0.05), with stimulation having the strongest influence on attractiveness. This finding reinforces the importance of innovation, emotional, and system clarity elements in driving user interest in PayLater services in the e-commerce ecosystem.
Product Attributes, Price, and Promotion on Purchase Decisions of Halal Cosmetics with Religiosity and Halal Label as Moderation Amalia Syafaatul Azka; Siti Jamilah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 1 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7703

Abstract

The cosmetics industry is experiencing significant growth, with halal cosmetics emerging as a critical segment driven by religious considerations. This study investigates the factors influencing halal cosmetic purchase decisions among Muslim consumers using Partial Least Squares Structural Equation Modeling (PLS-SEM). The research explores the complex interplay between product attributes, price, promotion, religiosity, and halal labeling in shaping consumer purchasing decisions. Employing a survey method with 120 respondents, the study reveals that halal labeling is the most dominant factor in purchase decisions, with religiosity playing a crucial mediating role. Product attributes significantly influence religiosity, while price and promotion demonstrate minimal impact. The findings highlight that spiritual considerations and religious conformity far outweigh conventional commercial factors in halal cosmetic purchasing. This research provides valuable insights for marketers and manufacturers in understanding the nuanced decision-making process of Muslim consumers, offering both theoretical contributions and practical implications for the halal cosmetics market.