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Partial Analysis of Mudharabah Financing on the Profitability of the Sharia Commercial Banks in Indonesia Jahroh, Siti; Suganda, Asep Dadan
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 11, No 2 (2021)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (288.304 KB) | DOI: 10.21927/jesi.2021.11(2).87-91

Abstract

In order to gain profits, sharia banks as the actors who collect and distribute the fund from and for the people are trying to improve the quality and quantity of their performance, and mudharabah is one of the financing akad in sharia banks. This study aimed to determine the effect of mudharabah financing on the profitability (ROA) at sharia commercial banks (BUS) in Indonesia. The populations in this study were all registered Sharia Commercial Banks in the central bank of Indonesia (BI) with a total of 14 banks. However, from this population, 9 banks were failed to complete the data. This study used a simple linear regression analysis method, the classical assumption test method, and statistical test. The conclusion drawn from the partial testing showed a significant effect with t observe of 2.053. Since the value of t observe 2.053 > t table 2.048, it can be concluded that there was a significant effect of mudharabah financing on the Return on Assets (ROA).
Self-Evaluation With SWOT Analysis and ANP in The Sharia Business Management Department Maskuroh, Nihayatul; Suganda, Asep Dadan; Nurhayati, Siti
ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 14, No 2 (2023)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v14i2.668

Abstract

This study aims to find out how the efforts of the Faculty of Economics and Islamic Business, UIN Sultan Maulana Hasanuddin Banten, in developing the Sharia Business Management (SBM) study program with all the strengths, weaknesses, and opportunities in dealing with various existing threats. This research uses a feasibility study method for the SBM program with quantitative SWOT analysis and the Analysis Network Process approach to formulate alternative strategies using Super Decisions software. Based on the data obtained, it can be concluded that the positioning of the Sharia Business Management study program, according to the respondents, is quite important and reaches a percentage of 56.5 with the argument that the mastery of Sharia-based business management is quite important as much as 50.8%. Meanwhile, from the Internal Factor Evaluation and External Factors Evaluation metrics, it can be seen that the position of the X axis is at point 3.60, and the position of the Y axis is at point 2.68. Therefore, because the meeting point between the X and Y axes is in quadrant I, so the strategy used is progressive (aggressive), namely maximizing the Strengths-Opportunities strategy by paying attention to other strategies such as Weakness-Opportunities, Strengths-Threats, and Weakness-Threats
PERANAN TEKNOLOGI PADA INDUSTRI ASURANSI (INSURTECH) MASA PANDEMIC COVID-19 Agustina, Nina; Suganda, Asep Dadan; Masykuroh, Nihayatul
Syar'Insurance: Jurnal Asuransi Syariah Vol. 8 No. 1 (2022): Juni 2022
Publisher : UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/sijas.v8i1.6118

Abstract

Dampak buruk adanya pandemic Covid-19 yang menggoncangkan berbagai bidang terutama kesehatan dan ekonomi, justru menjadi peluang positif bagi perkembangan teknologi digital. Termasuklah dalam teknologi keuangan yang dikenal dengan Financial Technology (FinTech). Artikel ini disusun untuk mengetahui peran Financial Technology yang merupakan inovasi finansial dengan basis teknologi modern yang diharapkan mampu memfasilitasi aktifitas keuangan khususnya pada perusahaan asuransi dengan penggunaan teknologi (Insurance Technology). Metode yang digunakan dalam penelitian ini adalah deskriptif kualitatif, dimana peneliti sebagai instrument kunci yang berperan sebagai perencana, pelaksana, pengumpul data, penganalisis data dan pelaporan hasil penelitian. Untuk mengetahui fenomena yang ada pemilihan informan menggunakan teknik purposive sampling dengan menggunakan pendekatan observasi, wawancara dan dokumentasi. Temuan dalam penelitian ini diantaranya yaitu bahwa FinTech diklasifikasikan kepada; Peer-to-Peer Lending, Crowdfunding, E-Wallet, Micro Finance, Payment Gateway, Investasi, dan Bank Digital. Dengan adanya kemajuan teknologi dalam lembaga keuangan asuransi memberikan dampak positif seperti; memudahkan perusahaan dalam menjangkau nasabah walaupun dengan posisi jarak jauh, memudahkan perusahaan dalam memberikan edukasi serta fasilitas kepada nasabah, memudahkan nasabah dalam melakukan berbagai macam transaksi seperti pembayaran premi, pengajuan klaim, dan pengisian SOP, juga memudahkan perusahaan untuk memperkenalkan asuransi Syariah kepada masyarakat umum, memudahkan perusahaan dalam proses marketing dengan jangkauan yang lebih luas dan dengan cara yang efektif, dan memudahkan perusahaan untuk melakukan berbagai macam kolaborasi dengan Lembaga lain dalam melakukan inovasi terbaru.
Pengembangan Jurusan Zakat Dan Wakaf Pada UIN SMH Banten Masykuroh, Nihayatul; Peristiwo, Hadi; Suganda, Asep Dadan
Akutansi Bisnis & Manajemen ( ABM ) Vol 26 No 2 (2019): Oktober
Publisher : STIE Malangkucecwara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (372.626 KB) | DOI: 10.35606/jabm.v26i02.454

Abstract

This feasibility study aims to determine the extent of the community interest towards opening the Department of Zakat and Endowments Management at the Faculty of Islamic Economics and Business, UIN SMH Banten. The method of this research used descriptive qualitative by distributing questionnaires to the students of High School (SMA), Vocational School (SMK) and Islamic High School (MA) in Serang City. Furthermore, guided interviews were conducted for philanthropic institutions such as BAZNAS, Indonesian Endowments Agency (BWI), Dompet Dhu’afa, and LAZ Harfa. In addition, most respondents were very interested in continuing their studies to a higher level, both the respondents from the public school and private schools as many as 83.1%. Whereas the respondents' interest in continuing their studies in FEBI, UIN SMH Banten, when the Department of Zakat and Endowments Management has been opened, is 49.2%, with the most preferred area of ​​respondents when entering the Department of Zakat and Endowments Management was the management area, which is equal to 76.3%. Based on these data, it can be stated that the Department of Zakat and Endowments Management is feasible to be opened in FEBI, UIN SMH Banten.
KONSEP WISATA BERBASIS MASYARAKAT Suganda, Asep Dadan
I-Economics Vol 4 No 1 (2018): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v4i1.2181

Abstract

Abstrak. Konsep Wisata Berbasis Masyarakat. Di Indonesia, pariwisata merupakan sektor yang memberikan kontribusi besar terhadap perekonomian. Untuk menjadikan sektor ini berhasil, maka diperlukan kepandaian dalam mengelola aset pariwisata yang ada. Salah satu konsep pengelolaan aset pariwisata yang dapat diterapkan bersama masyarakat lokal yang berada didaerah tempat wisata adalah dengan mengenalkan konsep wisata berbasis masyarakat (Community Based Tourism). Prinsip dasar Community Based Tourism adalah menempatkan masyarakat sebagai pelaku utama melalui pemberdayaan masyarakat dalam berbagai kegiatan kepariwisataan, sehingga manfaat kepariwisataan sebesar-besarnya diperuntukkan bagi masyarakat. Tujuan yang ingin diraih adalah pemberdayaan sosial ekonomi komunitas itu sendiri dan meletakkan nilai lebih dalam pariwisata, khususnya kepada para wisatawan. Community Based Tourism akan melibatkan pula masyarakat dalam proses pembuatan keputusan, dan dalam perolehan bagian pendapatan terbesar secara langsung dari kehadiran para wisatawan. Dengan konsep Community Based Tourism akan dapat menciptakan kesempatan kerja, mengurangi kemiskinan dan membawa dampak positif terhadap pelestarian lingkungan dan budaya asli setempat. Abstract. Community Based Tourism. Tourism in Indonesia is a sector that provides a large income to the country's economy. The experts are required to manage the existing tourism assets. One of the concepts of tourism asset management can be applied with the local communities known as the Community Based Tourism. The basic principle of Community Based Tourism is to make the community as the main actors through empowering various tourism activities, and the benefits of tourism as much as possible for the community. The socio-economic empowerment of the community become the main goal and put more values in tourism, especially to the tourists. Community Based Tourism will involve the community as decision-making process, also in the acquisition of the largest share of income from the tourists directly. With this Community Based Tourism concept will be able to create employment opportunities, reduce poverty and bring a positive impact on the preservation of local native environment and culture.
INTENSITAS KUNJUNGAN WISATA RELIGI MENJADI PENENTU PENDAPATAN STREET VENDORS KAWASAN MASJID AGUNG BANTEN LAMA Nurfadhila, Annisa; Suganda, Asep Dadan
I-Economics Vol 7 No 1 (2021): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v7i1.8990

Abstract

This research aims to determine the influence of religious tourism visits on the income of street vendors in the Great Mosque of ​​Banten Lama at Serang City, Banten Province, Indonesia. This research used quantitative method, on 79 respondents with simple linear regression analysis. Based on the data and analytical tests, it can be concluded that there is a significant influence of religious tourism visits on the income of street vendors in the Great Mosque of Banten Lama area with a value of sig. 0.000 < 0.05 and the regression coefficient value is positive at 0.633. The magnitude of the influence of religious tourism visits on the income of street vendors (PKL) is 15.4%, while the other 84.6% is influenced by other factors outside this study. This is obtained based on the results of primary data processing using SPSS version 25.0, and it can also be obtained that the coefficient of determination R square (R2) is 0.154 or 15.4%.
Feasibility Study for Transitioning from Conventional Banking to Islamic Banking Maskuroh, Nihayatul; Suganda, Asep Dadan; Akbar, Kurni
ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 15, No 1 (2024)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v15i1.564

Abstract

This study examines the feasibility and strategic approach for transitioning the Faculty of Economics and Islamic Business (FEBI) at UIN Sultan Maulana Hasanuddin Banten from conventional to Islamic banking. The transformation aims to align institutional operations with Islamic economic principles and strengthen ideological consistency. A quantitative SWOT (Strengths, Weaknesses, Opportunities, Threats) analysis integrated with the Analytic Network Process (ANP) was employed to prioritize strategic alternatives, using Super Decisions software. Data were collected through surveys, interviews, and document analysis involving faculty members, staff, and students. The Internal Factor Evaluation (IFE) score of 3.60 and the External Factor Evaluation (EFE) score of 2.68 position the faculty in Quadrant I of the SWOT matrix, indicating an aggressive strategy. Survey results show 56.5% of respondents consider the shift “fairly important” and 50.8% view it as a valuable educational opportunity. Recommended strategies emphasize leveraging strengths to seize opportunities, addressing weaknesses, and mitigating threats. The findings suggest that transitioning to Islamic banking is both feasible and strategically advantageous, offering practical implications for policy alignment and operational implementation in higher education institutions seeking Sharia-compliant transformation
Unraveling the Intricate Dynamics of Turkish Immigrants and Muslim Minorities in Germany Suganda, Asep Dadan; Lestari, Widianti; Sulthani, Dinil Abrar
Walisongo: Jurnal Penelitian Sosial Keagamaan Vol. 31 No. 2 (2023)
Publisher : LP2M - Universitas Islam Negeri (UIN) Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/ws.31.2.19374

Abstract

Germany's cultural and economic diversity is enhanced by the contributions of Turkish immigrants and Muslim minorities, whose legacy enriches the country. However, social exclusion and unfavorable preconceptions impact some of these groups, which can hurt their well-being and quality of life. This article addresses the dynamics of Muslim minorities and Turkish immigrants in Germany, emphasizing the social developments, historical trajectory, and difficulties these groups encounter in German society. It focuses on minority rights, social integration, and acceptance. This article employs a qualitative descriptive technique, interpreting qualitative data in-depth to comprehend and explain social phenomena or human behavior. Data is gathered by analyzing pertinent materials and subsequently interpreted thematically in light of the study environment. This article's conclusions and discussions are restricted to the impact of Turkish immigration on the Muslim community while considering a range of social, cultural, political, and economic facets of German life. Karl Marx's conflict theory holds that these difficulties reflect underlying power dynamics and class struggles, in which the dominant class keeps control over resources, cultural norms, and political authority, resulting in systemic conflicts and inequality. In addition to initiatives to support equality and inclusion, addressing these concerns calls for a greater comprehension of the structural dynamics at play.
Analisis Pembiayaan Sindikasi BPRS Muamalah Cilegon: Perspektif Fatwa DSN-MUI No. 91/DSN-MUI/IV/2014 Nawawi, Ma'mun; Suganda, Asep Dadan; Hasanah, Irmatul
Banque Syar'i: Jurnal llmiah Perbankan Syariah Vol. 10 No. 1 (2024): Januari - Juni 2024
Publisher : Departement of Islamic Banking, Faculty of Islamic Economics and Business, The State of Islamic University (UIN) Sultan Maulana Hasanuddin Banten,

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

Abstract

The suitability of implementing syndicated financing in Sharia banks to the MUI DSN Fatwa is an important matter for several underlying reasons; first, Sharia banks have a fairly high risk if they provide financing with a nominal value exceeding the predetermined financing distribution limit. Second, the minimal level of supervision carried out by stakeholders in the implementation of syndicated financing carried out by Sharia banks and the low level of knowledge and insight of the community (customers), especially in Sharia-based syndicated financing. Third, it is not uncommon for misunderstandings or disputes to occur between customers and Sharia banks as a result of funding syndicated that does not meet Sharia compliance aspects. Fourth, the public does not fully believe that implementing syndicated financing by Sharia banks is by Islamic law. The results of the research show that there has been compatibility between the implementation of the funding syndicated of BPRS Muamalah Cilegon and the DSN MUI Fatwa Number 91/DSN-MUI/IV/2014. This can be seen from the suitability of the contract between fellow syndication participants, the terms of the agreement between the syndicated entity and the customer, and the provisions related to accounts and contract documents.
How to Overcome the Risk of Islamic Banks: Evidence from Indonesia Suganda, Asep Dadan; Anita, Anita; Wulandari, Soliyah
El-Barka Journal of Islamic Economics and Business Vol. 6 No. 1 (2023)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v6i1.6795

Abstract

Risk management is a crucial aspect of Islamic banking to ensure the sustainability and operational safety of banks and maintain the trust of customers and stakeholders. This article discusses the importance of risk management in the context of Islamic banking and analyzes the challenges faced by Islamic banks in managing risks. This research adopts a qualitative approach, with a focus on collecting in-depth descriptive and interpretative data. The study involves text analysis and case studies of Islamic banks in Indonesia. This article discussed the basic concepts of risk management in the context of Islamic banks, including risk identification, risk evaluation, and risk control. We explain the importance of comprehensive risk assessment and the use of appropriate risk management tools to address specific risks faced by Islamic banks. By analyzing these challenges, this article provides a comprehensive overview of risk management in Islamic banking and offers recommendations to enhance the capabilities of Islamic banks in effectively managing the risks. Finally, the author offers a model for overcoming the risk of Islamic banks with the Hexagonal Model consisting of two sides (internal and external) and six main cores: Education, Identification, Accountable, Guidelines, Research, and Technology.