Claim Missing Document
Check
Articles

Found 20 Documents
Search

BPRS Performance Evaluation Using Importance-Performance Analysis (IPA) Hidayat, Yayat Rahmat; Ibrahim, Mohammad Andri; Srisusilawati, Popon; Eprianti, Nanik; Wijayanti, Intan manggala
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 7, No 1 (2023)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v7i1.11232

Abstract

BPRS (Bank Pembiayaan Rakyat Syariah) is a bank that conducts its business activities based on Sharia procedures. However, its assets and financing are still relatively small compared to commercial banks. One of the reasons for this is that BPRS is limited in providing services for payment transactions. Therefore, it is important to evaluate the performance and customer satisfaction levels of BPRS. This study aims to measure the efficiency of BPRS performance using the Importance Performance Analysis (IPA) method. The research was conducted at PT. BPRS Bhakti Sumekar, a BPRS owned by the Regency Government of Sumenep. The results of this measurement can be used to evaluate the performance of BPRS Bhakti Sumekar in facing challenges and opportunities as well as for policy making considering its huge impact on the community. The results showed an average Conformity Level (TKi) of 99.57%, indicating that the performance of each attribute has met customer expectations but still requires improvement. The Customer Satisfaction Index (CSI) value resulting from this study was 75.45%, indicating that customer satisfaction with BPRS Bhakti Sumekar as a whole can be considered as satisfied. This customer satisfaction is based on the CSI interpretation table, which shows that the value obtained in this study falls in the range of 66% - 80.99%. This suggests that the performance of BPRS Bhakti Sumekar has almost reached customer expectations, leading to a high level of customer satisfaction.
Analisis Kualitas Pelayanan dan Kepuasan Nasabah terhadap Kepercayaan Nasabah Bank Syariah Indonesia Kantor Cabang Garut Anita Retno Fitriani; Hidayat, Yayat Rahmat; Wijayanti, Intan Manggala
Bandung Conference Series: Syariah Banking Vol. 3 No. 2 (2024): Bandung Conference Series: Syariah Banking
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v3i2.14141

Abstract

Abstract. This study aims to examine the impact of service quality on customer trust at Bank Syariah Indonesia (BSI) Kantor Cabang Garut (KC Garut), assess the effect of customer satisfaction on customer trust, and explore the combined impact of service quality and customer satisfaction on customer trust at BSI KC Garut. A quantitative approach was utilized, employing multiple linear regression analysis to determine the extent to which service quality and customer satisfaction contribute to customer trust. The results reveal that the t-test values for the service quality variable (X1) and the customer satisfaction variable (X2) are 5.157 and 8.969, respectively. The combined influence of service quality and customer satisfaction on customer trust was found to be significant, with a total contribution of 68%. These findings suggest that while there is a notable effect of service quality and customer satisfaction on customer trust, there is still room for improvement in these areas to enhance customer confidence at BSI KC Garut. Therefore, it is recommended that BSI KC Garut implement strategic measures aimed at improving service quality and customer satisfaction to build and strengthen customer trust. Abstrak. Penelitian ini dilatarbelakangi oleh perubahan peraturan yang diterapkan oleh Bank Syariah Indonesia (BSI), yang berdampak pada kualitas pelayanan dan kepuasan nasabah serta kepercayaan nasabah terhadap BSI KC Garut. Tujuan dari penelitian ini adalah untuk mengkaji pengaruh kualitas pelayanan terhadap kepercayaan nasabah BSI KC Garut, untuk mengukur pengaruh tingkat kepuasan nasabah terhadap kepercayaan nasabah, serta untuk mengeksplorasi pengaruh gabungan dari kualitas pelayanan dan kepuasan nasabah terhadap kepercayaan nasabah di BSI KC Garut.Penelitian ini menggunakan pendekatan kuantitatif dengan metode analisis regresi linier berganda untuk menilai seberapa besar kontribusi kualitas pelayanan dan kepuasan nasabah terhadap kepercayaan nasabah. Hasil analisis menunjukkan nilai uji t untuk variabel kualitas pelayanan (X1) adalah 5,157, sedangkan untuk variabel kepuasan nasabah (X2) adalah 8,969. Berdasarkan hasil tersebut, kualitas pelayanan dan kepuasan nasabah memiliki pengaruh signifikan terhadap kepercayaan nasabah dengan kontribusi pengaruh gabungan sebesar 68%. Hasil penelitian ini mengindikasikan bahwa meskipun terdapat pengaruh positif dari kualitas pelayanan dan kepuasan nasabah terhadap kepercayaan nasabah, penilaian nasabah menunjukkan bahwa kualitas pelayanan dan kepuasan nasabah di BSI KC Garut masih dianggap kurang baik. Oleh karena itu, strategi-strategi perbaikan dalam aspek kualitas pelayanan dan kepuasan nasabah perlu diterapkan untuk meningkatkan kepercayaan nasabah terhadap BSI KC Garut.
Pengaruh Inflasi terhadap Harga Saham pada Bank Panin Dubai Syariah Periode 2021-2023 Suherlan, Cinta Auly Salzabilla; Bayuni, Eva Misfah; Hidayat, Yayat Rahmat
Bandung Conference Series: Syariah Banking Vol. 3 No. 2 (2024): Bandung Conference Series: Syariah Banking
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v3i2.14274

Abstract

Abstract. This research aims to knows the influence of inflation and its impact on the share price of Bank Panin Dubai Syariah. Inflation is one of the macroeconomic factors that can influence company performance. The method used in this research is regression analysis to measure the correlations between the inflation rate and stock prices. The data used in this research includes monthly data on Bank Panin Dubai Syariah stock prices and inflation data from the Badan Pusat Statistik (BPS) for the period January 2021 to December 2023. This research is also equipped with library research methods, especially scientific journals and books. This research does not only used empirical data but also strengthens the analysis with a review of relevant literature. Regression analysis was carried out to identify the extent to which changes in the inflation rate affect stock price fluctuations. This research also found that changes in the inflation rate have an impact on stock prices. Based on the results of the regression test, the calculated t test results are 4.074948 which is higher than the t-table (4.074948 > 1.69236), which shows that there is a correlations between inflation and stock prices. This research provides insight for investors and financial management regarding the importance of the inflation factor in making investment decisions and portfolio management. Abstrak. Penelitian ini bertujuan untuk mengetahui pengaruh terhadap inflasi dan dampaknya terhadap harga saham Bank Panin Dubai Syariah. Inflasi merupakan salah satu faktor makroekonomi yang dapat mempengaruhi kinerja perusahaan. Metode yang digunakan dalam penelitian ini adalah analisis regresi untuk mengukur hubungan antara tingkat inflasi dan harga saham. Data yang digunakan dalam penelitian ini mencakup data bulanan harga saham Bank Panin Dubai Syariah dan data inflasi dari Badan Pusat Statistik (BPS) selama periode Januari 2021 hingga Desember 2023. Penelitian ini juga dilengkapi dengan metode library research, terutama jurnal ilmiah dan buku. Dengan demikian, penelitian ini tidak hanya menggunakan data empiris tetapi juga memperkuat analisis dengan tinjauan literatur yang relevan. Analisis regresi dilakukan untuk mengidentifikan sejauh mana perubahan tingkat inflasi mempengaruhi fluktuasi harga saham Penelitian ini juga menemukan bahwa perubahan tingkat inflasi memiliki dampak pada harga saham. Berdasarkan hasil uji regresi menunjukkan hasil uji t hitung sebesar 4, 074948 yang mana lebih tinggi dari t-tabel (4, 074948 > 1, 69236), yang menunjukkan bahwa terdapat hubungan yang antara inflasi dan harga saham. Penelitian ini memberikan wawasan bagi investor dan manajemen keuangan mengenai pentingnya faktor inflasi dalam pengambilan keputusan investasi dan pengelolaan portofolio.
Pengaruh NOM, BOPO dan NPF terhadap Return On Asset (ROA) pada PT. Bank Muamalat Indonesia Periode 2019-2023 Nadya Az-Zahra; Hidayat, Yayat Rahmat; Ibrahim, Mohamad Andri
Bandung Conference Series: Syariah Banking Vol. 3 No. 2 (2024): Bandung Conference Series: Syariah Banking
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v3i2.14353

Abstract

Abstract. This research aims to analyze the influence of Net Operating Margin (NOM), Operational Costs on Operating Income (BOPO), and Non-Performing Financing (NPF) on Return on Assets (ROA) at PT. Bank Muamalat Indonesia for the 2019-2023 period. The research method used is multiple linear regression with secondary data obtained from PT's quarterly financial reports. Bank Muamalat Indonesia. The research results show that NOM has no significant effect on ROA, BOPO has a negative and significant effect on ROA, while NPF has no significant effect on ROA. The coefficient of determination (R-squared) shows that 79.18% of the variation in ROA can be explained by the independent variables in the model (NOM, BOPO, and NPF). This research provides recommendations for Bank Muamalat Indonesia to improve operational efficiency, implement good risk management, and optimize operational income to increase bank profitability. Abstrak. Penelitian ini bertujuan untuk menganalisis pengaruh Net Operating Margin (NOM), Biaya Operasional terhadap Pendapatan Operasional (BOPO), dan Non-Performing Financing (NPF) terhadap Return on Asset (ROA) pada PT. Bank Muamalat Indonesia periode 2019-2023. Metode penelitian yang digunakan adalah regresi linier berganda dengan data sekunder yang diperoleh dari laporan keuangan triwulanan PT. Bank Muamalat Indonesia. Hasil penelitian menunjukkan bahwa NOM tidak berpengaruh signifikan terhadap ROA, BOPO berpengaruh negatif dan signifikan terhadap ROA, sedangkan NPF tidak berpengaruh signifikan terhadap ROA. Koefisien determinasi (R-squared) menunjukkan bahwa 79.18% variasi dalam ROA dapat dijelaskan oleh variabel-variabel independen dalam model (NOM, BOPO, dan NPF). Penelitian ini memberikan rekomendasi agar Bank Muamalat Indonesia meningkatkan efisiensi operasional, menerapkan manajemen risiko yang baik, dan mengoptimalkan pendapatan operasional untuk meningkatkan profitabilitas bank.
ANALISIS PENCAPAIAN TUJUAN BANK SYARIAH SESUAI UU NO 21 TAHUN 2008 Hidayat, Yayat Rahmat; Surahman, Maman
Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Vol. 1 No. 1 (2017): Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v1i1.5722

Abstract

Penelitian ini dilakukan untuk mengetahui pencapaian tujuan bank syariah yang terkandung dalam UU No 21 Tahun 2008 tentang Perbankan Syariah. Pada UU tersebut disebutkan bahwa bank syariah memiliki tujuan untuk meningkatkan pemerataan kesejahteraan rakyat. Oleh karena itu usaha-usaha yang dilakukan bank syariah, terutama melalui pembiayaan yang disalurkannya haruslah dapat meningkatkan tingkat pemerataan kesejahteraan rakyat atau mengurangi kesenjangan pendapatan rakyat yang diwakili dengan rasio gini. Dengan demikian penyaluran pembiayaan bank syariah harus memiliki pengaruh yang negative terhadap rasio gini. Hasil penelitian ini menunjukkan bahwa penyaluran pembiayaan bank syariah berpengaruh signifikan secara positif sebesar 67,4247%. Sisanya sebesar 32,5753% dipengaruhi oleh faktor lain di luar penelitian. Persamaan yang didapat dari hasil pengujian di atas yaitu Y = 3.10E-07 + 0.366204 X. Dari persamaan di atas bisa dilihat bahwa penyaluran pembiayaan bank syariah berpengaruh positif terhadap rasio gini. Setiap penambahan 1 satuan penyaluran pembiayaan bank syariah akan menambah 0.366204 satuan tingkat kesenjangan pendapatan rakyat.
Analisis Peluang dan Tantangan Lembaga Keuangan Syariah untuk Meningkatkan Daya Saing Menghadapi Masyarakat Ekonomi ASEAN Hidayat, Yayat Rahmat
Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Vol. 2 No. 2 (2018): Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v2i1.6356

Abstract

Indonesia has a big potential in the development economic of sharia, it has a large number of Muslim population and abundant natural resources that can be used as an underlying transaction in sharia economy. But lots of obstacles has been faced by Indonesia while developing its sharia economy so that they have low competitiveness compared with conventional financial institutions and sharia financial institutions from other ASEAN countries, especially Malaysia. Obstacles that were mentioned are the lack of human resources sharia economy in both quantity and quality, the lack of knowledge and awareness in economic sharia, the lack of innovation and product differentiation, and lack of support from either government regulation or the issuance of capital. It is necessary to provide efforts and strategies to improve the sharia economic competitiveness in order to win the competition at the ASEAN Economic Community (AEC). Efforts and strategies may include the improvement of human resources in both quality and quantity, socialization and education in the community, service improvement and product differentiation, and the support from all of the stakeholders.
Pelatihan Penggunaan Aplikasi SIAPIK untuk Penyusunan Laporan Keuangan UMKM Kopi di Desa Cibeureum, Kabupaten Kuningan Jaeroni, Akhmad; Bukhori, Bukhori; Wachdijono, Wachdijono; Hidayat, Yayat Rahmat; Puromo, Dwi; Wahana, Siti
Jurnal Abdi Masyarakat Indonesia Vol 5 No 3 (2025): JAMSI - Mei 2025
Publisher : CV Firmos

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54082/jamsi.1863

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan memberdayakan UMKM pengolah kopi di Desa Cibeureum, Kecamatan Cilimus, Kabupaten Kuningan melalui pelatihan penyusunan laporan keuangan berbasis aplikasi web SIAPIK. Intervensi dilakukan dalam bentuk pelatihan intensif menggunakan pendekatan kuasi-eksperimen dengan desain pretest-posttest terhadap 16 peserta. Hasil menunjukkan bahwa pelatihan berhasil meningkatkan pemahaman dan keterampilan mitra dalam menyusun laporan keuangan secara digital, yang tercermin dari peningkatan skor pascapelatihan. Partisipasi aktif dan respons positif mitra memperlihatkan antusiasme terhadap penggunaan teknologi, meskipun terdapat kendala infrastruktur. Pelatihan ini mendorong perubahan praktik pencatatan keuangan yang lebih tertib, serta memperkuat kapasitas manajerial dan akuntabilitas usaha mitra. Dampak berkelanjutan dari kegiatan ini diharapkan dapat meningkatkan ketahanan dan daya saing UMKM melalui adopsi teknologi keuangan yang lebih sistematis.
The Effect of Trust, Communication and Commitment on Relationship Quality and its Impact on Oyster Mushroom Supply Chain Performance in Kuningan Regency Hamdani, Alex Busro; Yusuf, Ade; Hidayat, Yayat Rahmat
Indonesian Journal of Advanced Research Vol. 3 No. 9 (2024): September 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijar.v3i9.11330

Abstract

The purpose of this study is to determine whether trust, communication, and commitment in relationships have an impact on supply chain performance, with relationship quality as the intervening variable. This study is a case study conducted on mushroom farmers and processors in Kuningan Regency. This study uses trust, communication, and relationship commitment as independent variables, and supply chain performance as the dependent variable, and relationship quality as an intervening variable. The method used is quantitative research with a survey approach. Data from the five variables were analyzed using the Structural Equation Model (SEM) with the help of Smart PLS (Partial Least Square) Software version 3.0. This study involved 150 respondents as samples. The results of the data analysis showed that trust, communication, and relationship commitment positively and significantly affect relationship quality, and the quality of the relationship is able to mediate the influence of the three variables on supply chain performance.
Supplier Performance Enhancement for Sugar Product Competitiveness at PG. Rajawali II, Sindanglaut Unit, Cirebon Regency Uljanah, Lulu; Azhar, Lea Haifa; Khaliq, Ruly Irfan Nur; Hidayat, Yayat Rahmat
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 4 (2025): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i4.5308

Abstract

This study aims to analyze the influence of contract farming, information sharing, and communication quality on supplier performance and its impact on sugar product competitiveness at PG. Rajawali II Sindanglaut Unit, Cirebon Regency. The research method used was quantitative with a survey approach involving 110 sugarcane farmers selected through proportional random sampling. The data were analyzed using Structural Equation Modeling (SEM) with SmartPLS. The results indicate that contract farming, information sharing, and communication quality significantly affect supplier performance. Furthermore, supplier performance is proven to enhance sugar product competitiveness. The contract farming variable contributes the largest total effect (0.417), followed by communication quality (0.460) and information sharing (0.179). These findings confirm that effective collaboration between farmers and sugar factories, supported by transparent communication and accurate information sharing, is a key factor in improving product competitiveness. The implications of this study highlight the need to strengthen partnerships through sustainable contract farming, enhanced information access, and improved communication quality between suppliers and producers.
The Role of Supplier-Buyer Relationships on the Sustainability of Hydroponic Vegetable Supply Chains in the Cirebon Region Malia, Siska; Citra, Citra; Putri, Natasyah Fadliyah; Hidayat, Yayat Rahmat
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.8318

Abstract

Amidst challenges such as climate change, and the increasing demand for organic food, hydroponic farming has become an attractive option for farmers and businesses. Seeing this, the supplier-buyer relationship itself plays an important role in meeting market demand for the sustainability of the supply chain. The problem statement for this research is how buyer-supplier relationships and their effects on supply chain sustainability are influenced by the quality of communication (X1), relationship commitment (X2), and cooperation (X3). This research aims to ascertain how cooperation with buyer-supplier relationships, relationship commitment, and communication quality affect supply chain sustainability. With a sample size of 110 respondents12 farmers and 98 buyers. SmartPls 3.0 is the methodology employed. The study's findings indicate that supplier-buyer relationships are positively and significantly impacted by cooperation, relationship commitment, and communication quality. Additionally, supplier-buyer relationships can mediate the impact of these three factors on supply chain sustainability.