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<![CDATA[Analisis Faktor-Faktor Yang Mempengaruhi Keputusan Nasabah Dalam Menggunakan Produk Pembiayaan Musyarakah Di Bank Syariah Indonesia (BSI) Gatot Subroto Di Kota Jambi ]]>
<![CDATA[Widodo]]>;
<![CDATA[Bambang Kurniawan]]>;
<![CDATA[Refky Fielnanda]]>
<![CDATA[ JOURNAL SAINS STUDENT RESEARCH Vol. 1 No. 1 (2023): Oktober: Jurnal Sains Student Research ]]>
Publisher : <![CDATA[CV. KAMPUS AKADEMIK PUBLISING ]]>
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DOI: 10.61722/jssr.v1i1.210
<![CDATA[This thesis aims to reveal the Factors Influencing Customer Decisions in Using Musyarakah Financing Products at Bank Syariah Indonesia (BSI) Gatot Subroto in jambi city. This thesis uses a quantitative approach using a multiple regression statistical analysis method partially and simultaneously with a sample of 75 customers. The research carried out obtained the following results and conclusions: Partially the independent variable Psychological Factor (X1) affects customer decisions (Y) because the musyarakah financing product is in accordance with customer needs, the terms offered are relatively easy and increase customer confidence in Allah and the products offered better; Situational factors (X2) affect customer decisions (Y) because the place is easy to reach in the city center, using musyarakah financing because the time given is so disciplined and musyarakah financing is due to the use of products that suit their needs and uses and the employees are kind and considerate to customers; Social factors (X3) affect customer decisions (Y) because anyone can apply for this financing and provide benefits to the community. The public has also believed in BSI and customers have also seen the advertisements promoted on the banners. Simultaneously (F test) shows that F count (74,679) > F table (2,73) and significant value (0.000) < a (0.05), then Ho is rejected and Ha is accepted, meaning that Psychological Factors (X1), Situational Factors (X2) and Social Factors (X3) simultaneously or simultaneously influence the customer's decision to use the Musyarakah financing product at Bank Syariah Indonesia (BSI) Gatot Subroto because a sense of trust has been created and the distance traveled by the customer is close to home and the information provided received accurately and reliably.]]>
<![CDATA[PENGARUH TINGKAT RELIGIUSITAS, TINGKAT PENDIDIKAN DAN TINGKAT PENDAPATAN TERHADAP MINAT MENABUNG DI BANK SYARIAH PADA MASYARAKAT KELURAHAN SIMPANG IV SIPIN ]]>
<![CDATA[Refky Fielnanda]]>;
<![CDATA[Santi Wahyuningsih]]>
<![CDATA[ MARGIN: Journal of Islamic Banking Vol 1 No 1 (2021): MARGIN JOURNAL OF ISLAMIC BANKING ]]>
Publisher : <![CDATA[UIN Sulthan Thaha Saifuddin Jambi ]]>
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DOI: 10.30631/margin.v1i1.847
<![CDATA[Penelitian ini bertujuan untuk mengetahui pengaruh tingkat religiusitas, tingkat pendidikan, tingkat pedapatan terhadap minat menabung di bank syariah pada masyarakat kelurahan Simpang IV Sipin. Penelitian ini menggunakan pendekatan kuantitatif deskriptif dengan metode pengumpulan data angket (kuesioner), wawancara dan dokumentasi. Populasi pada penelitian ini adalah masyarakat Kelurahan Simpang IV Sipin dan sampel sebagai responden penelitian akan diambil menggunakan teknik non probability sampling dengan rumus slovin yaitu 100 masyarakat yang menabung di bank syariah. Hasil penelitian menunjukkan bahwa tingkat religiusitas (X1) dan tingkat pendidikan (X2) berpengaruh signifikan dan positif terhadap minat menabung. Sedangkan tingkat pendapatan (X3) tidak berpengaruh dan tidak signifikan terhadap minat menabung.]]>
<![CDATA[Peran Bumdes Dalam Meningkatkan Pendapatan Masyarakat Desa Air Balui Kec. Kemuning Kab. Indra Giri Hilir ]]>
<![CDATA[Garde Saspika]]>;
<![CDATA[Arsa Arsa]]>;
<![CDATA[Refky Fielnanda]]>
<![CDATA[ JURNAL RISET MANAJEMEN DAN EKONOMI (JRIME) Vol. 1 No. 1 (2023): JANUARI : JURNAL RISET MANAJEMEN DAN EKONOMI ]]>
Publisher : <![CDATA[Institut Teknologi dan Bisnis (ITB) Semarang ]]>
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DOI: 10.54066/jrime-itb.v1i1.79
<![CDATA[Tujuan dilakukannya penelitian ini adalah untuk (1) mengetahui peran BUMDes dalam meningkatkan pendapatan masyarakat dan (2) mengetahui peran BUMDes dalam memberdayakan masyarakat. Metode analisis menggunakan analisis deskriptif dari hasil wawancara yang dilakukan kepada ketua BUMDes Benaung Indah, Kepala Desa serta warga Desa Air Balui. Hasil penelitian menunjukkan bahwa peranan BUMDES Benaung Indah dalam mensejahterakan masyarakat telah diwujudkan dengan adanya unit-unit usaha yang ada didalamnya seperti unit usaha simpan pinjam, jasa sampah, dan perdagangan. BUMDes juga membuka lapangan pekerjaan bagi masyarakat desa Balui sehingga mengurangi pengangguran. Selain itu BUMDes Benaung Indah sudah memberikan pembagian keuntungan untuk menambah Pendapatan Asli Desa Balui. Faktor Pendukung BUMDes Benaung Indah dalam Rangka Meningkatkan Kesejahteraan Masyarakat Desa Balui yaitu potensi berkembangnya Desa Balui di sektor ekonomi cukup tinggi karena terletak di daerah Indragiri Hilr yang memiliki potensi perkembangan perdagangan yang cukup baik dan sumber daya manusia yang mendukung sedangkan faktor penghambat diantaranya BUMDes belum maksimal dalam melakukan sosialisasi program program BUMDes kepada masyarakat, belum maksimal dalam pengembangan bisnis dan ekonomi, masyarakat masih berpikir dalam lingkup banjar sehingga belum maksimal dalam mendukung program BUMDes, memerlukan dukungan seluruh unsur masyarakat baik adat maupun dinas, sumber daya manusia potensial yang dimiliki desa lebih memilih bekerja di instansi lain.]]>
<![CDATA[Sharia Supervision Of Amil Zakat And Shodaqoh Institutions: Framwork And Reporting Of Supervision Results ]]>
<![CDATA[Fielnanda, Refky]]>
<![CDATA[ ILTIZAM Journal of Shariah Economics Research Vol. 6 No. 2 (2022): Iltizam Journal of Shariah Economics Research ]]>
Publisher : <![CDATA[Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI ]]>
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<![CDATA[The purpose of this study was to determine the work framework of the Sharia Supervisor and the reporting of the results of the supervision of the Sharia Supervisory Board at the Insan Madani Amil Zakat Institution and BAZNAZ Jambi City.This research uses descriptive qualitative methods, with a field research approach. It was found that the work framwork of the Shari'ah Supervisor both at the Insan Madani Amil Zakat Institution and BAZNAZ Jambi City is to supervise the operational activities of the Amil Zakat Institution to comply with the provisions and principles of sharia. The difference lies in reporting the results of the supervision of the Shari'ah Supervisor where the Insan Madani Amil Zakat Institution reports the results to the Jambi Provincial BAZNAZ and then the Regional Office of the Ministry of Religion of Jambi Province periodically. Unlike the case with BAZNAZ Jambi City which reports the results of its supervision to the Regional Office of the Ministry of Religion, the Mayor, and the Governor.]]>
<![CDATA[PENGARUH JAMINAN, TENOR, DAN PELAYANAN TERHADAP KEPUTUSAN PEMBIAYAAN MURABAHAH PADA BANK 9 JAMBI SYARIAH CABANG SIMPANG 4 SIPIN ]]>
<![CDATA[Sissah]]>;
<![CDATA[Refky Fielnanda]]>;
<![CDATA[Tania]]>
<![CDATA[ EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal ]]>
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DOI: 10.56874/eksya.v4i2.1240
<![CDATA[The purpose of this study was to determine and analyze the effect of collateral, tenor and service on customer decisions to choose Murabahah financing at Bank 9 Jambi Syariah. This research is a descriptive quantitative research. The data used is primary data obtained from distributing questionnaires to customers of Bank 9 Jambi Syariah who do the financing. The research sample was obtained from the purposive sampling technique with the Slovin formula, 94 respondents were obtained. Data analysis technique using Multiple Regression Analysis. The results showed that: 1) Collateral has an influence on the customer's decision to choose Murabahah financing at Bank 9 Jambi Syariah with a significance value of 0.000 <0.05; 2) The tenor has an influence on the customer's decision to choose Murabahah financing at Bank 9 Jambi Syariah with a significance value of 0.015 <0.05; 3) Service has an influence on the customer's decision to choose Murabahah financing at Bank 9 Jambi Syariah with a significance value of 0.000 <0.05; and 4) Collateral, tenor, and service together influence the customer's decision to choose Murabahah financing at Bank 9 Jambi Syariah with an influence of 68.5%.]]>
<![CDATA[ANALISIS DAMPAK PANDEMI COVID-19 TERHADAP TINGKAT KEMISKINAN DI DESA GURUN MUDO KABUPATEN SAROLANGUN ]]>
<![CDATA[Ilham, Muhammad]]>;
<![CDATA[Tarmizi, Ahmad]]>;
<![CDATA[Fielnanda, Refky]]>
<![CDATA[ Jurnal Riset Manajemen dan Akuntansi Vol. 3 No. 2 (2023): Agustus: Jurnal Riset Manajemen dan Akuntansi ]]>
Publisher : <![CDATA[Pusat Riset dan Inovasi Nasional ]]>
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DOI: 10.55606/jurima.v3i2.2450
<![CDATA[Tujuan penelitian ini untuk mengetahui dampak pandemi Covid-19 terhadap tingkat kemiskinan di Desa Gurun Mudo Kabupaten sarolangun dan untuk mengetahui Apakah terdapat perbedaan tingkat kemiskinan antara sebelum dan sesudah masa Covid 19 di Gurun Mudo Kabupaten Sarolangun. Skripsi ini menggunakan pendekatan kualitatif dengan metode pengumpulan data melalui observasi, wawancara, dan dokumentasi. Berdasarkan penelitian yang dilakukan diperoleh hasil dan kesimpulan sebagai berikut: (1) Dampak Pandemi Covid-19 Pada Tingkat Kemiskinan di Desa Gurun Mudo Kabupaten Sarolangun cukup parah apalagi di bagian ekonomi (2) Perbedaan Tingkat Kemiskinan Antara Sebelum dan Sesudah Masa Covid 19 di Desa Gurun Mudo Kabupaten Sarolangun, kondisi sebelum adanya masa covid 19 di Desa Gurun Mudo. Namun setelah adanya masa Covid 19 di Desa Gurun Mudo, pengangguran semakin meningkat, terlihat banyaknya beberpapa kepala keluarga dna pemuda hanya di rumah dan tidak bekerja seperti biasa, selain itu pula angka kriminalitas meningkat, baik dari pencurian dna juga perkelahian dan berdampak pada meningkatnya angka perceraian dalam keluarga disebabkan ekonomi keluarga yang semakin memburuk hal ini dibuktikan dengan tingkat kemiskinan yang mencapai 55.07%]]>
<![CDATA[ALTERNATIF PERHITUNGAN RETURN SHAHIBUL MAL PADA SKEMA MUDHARABAH BANK SYARIAH ]]>
<![CDATA[Fielnanda, Refky]]>
<![CDATA[ IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 3 No 2 (2019): Vol 3 No 2 Desember 2019 ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam ]]>
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DOI: 10.32505/ihtiyath.v3i2.1781
<![CDATA[Abstract: The rapid development of the number of islamic banks should be balanced with the availability of infrastructure to carry out daily operational practices. The operational tools include hardware as like as representative office, computerized system, reliable human resources and software as like as method, culture and financial and islamic banking knowledge. In terms of development of Islamic finance is the paper "Alternative Calculation of Return Shahibul Mal on Mudharabah Scheme on Bank Syariah" was written. During this calculation of return shahibul mal has not been standardized in a formula, thus causing two serious effects. First, in the theoretical level, the formula has not yet created a difficulty. Secondly, in practical level, the formula is not impressive enough to recalculate the complexity of return calculations obtained by shahibul mall, causing laziness of the community using the services of islamic bank. This paper using mathematical and arithmetic equations with the help of modeling made by the author to refine and improve the method of calculation that has been available. The purpose of this paper is to create a standard formula that facilitates the calculation of return earned by a shahibul mal in a mudaraba scheme in a islamic bank.]]>
<![CDATA[Analisis Kesesuaian Penempatan Kerja, Beban Kerja Terhadap Prestasi Karyawan Pada Bank 9 Syariah Jambi ]]>
<![CDATA[Toyba Toyba]]>;
<![CDATA[Titin Agustin Nengsih]]>;
<![CDATA[Refky Fielnanda]]>
<![CDATA[ Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 1 No. 3 (2023): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah ]]>
Publisher : <![CDATA[STAI YPIQ BAUBAU, SULAWESI TENGGARA ]]>
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DOI: 10.59059/jupiekes.v1i3.339
<![CDATA[Employee performance as one of the values and control of human resources is a complex value possessed by employees that can be influenced by various things which can increase employee performance and can reduce the value of employee performance which can be detrimental to the company. This study aims to determine the effect of employee placement on employee performance, workload on employee performance, and employee placement, workload on employee performance that occurs at bank 9 syari'ah Jambi. The results of the research conducted show that (1) work placement has a positive but not significant effect on employee work performance at bank 9 syari'ah Jambi. (2) workload has a positive but not significant effect on employee performance at bank 9 Jambi syari'ah.]]>
<![CDATA[PELUANG DAN TANTANGAN AGEN DALAM MENINGKATKAN NASABAH ASURANSI SYARIAH (STUDI PADA PERUSAHAAN ASURANSI SYARIAH BUMI PUTERA CABANG JAMBI) ]]>
<![CDATA[Rani]]>;
<![CDATA[Hansen Rusliani]]>;
<![CDATA[Refky Fielnanda]]>
<![CDATA[ Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Vol. 2 No. 1 (2022): Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi ]]>
Publisher : <![CDATA[Lembaga Pengembangan Kinerja Dosen ]]>
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DOI: 10.55606/jurimea.v2i1.247
<![CDATA[This study aims to determine the effect of the opportunities and challenges of agents in marketing sharia insurance products in Bumi Putra Jambi. This type of research is qualitative research. The data used is primary data obtained from the Bumi Putra Jambi company. The population is 463 customers during 2010-2022. The analysis used is swot analysis, swot analysis is the identification of various factors systematically to formulate company strategy. Strength (strength), weakness (weakness), Opportunity (opportunity) and threat (threat) are the company's strategic factors that need to be analyzed in the current conditions. The results of the study used strength (1.38), weakness (1.26), opportunity (1.61), and threat (0.93). So it can be concluded that the aopportunities and challenges have the same risk, so the Bumi Putra Jambi company must prepare the right strategy for agents in increasing customers and marketing sharia insurance products.]]>
<![CDATA[ANALISIS MANAJEMEN RISIKO AKAD PADA PEMBIAYAAN MUDHRABAH DI SEGMEN UMKM DI BANK SYARIAH INDONESIA KC JAMBI – GATOT SUBROTO ]]>
<![CDATA[Eja Armaz]]>;
<![CDATA[Refky Fielnanda]]>;
<![CDATA[Mahathir Hefrianda]]>
<![CDATA[ Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Vol. 3 No. 1 (2023): Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi ]]>
Publisher : <![CDATA[Lembaga Pengembangan Kinerja Dosen ]]>
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DOI: 10.55606/jurimea.v3i1.250
<![CDATA[This study aims to determine the analysis of the Indonesian Islamic Bank (BSI) KC Jambi - Gatot Subroto regarding contract risk management in the distribution of mudharabah financing in the UMKM segment which is distributed to customers by Bank Syariah Indonesia. The purpose of this study was to find out how the role of the Indonesian Islamic Bank (BSI) KC Jambi - Gatot Subroto in analyzing the financing they channeled to customers greatly impacted Indonesian Islamic banks. The type of research method used is descriptive qualitative research on mudharabah contract financing in the UMKM segment at the Indonesian Islamic bank (BSI) Jambi - Gatot Subroto branch office regarding the distribution of mudharabah contract financing. It turns out that from the results of this study, the funds distributed were obtained by several factors that caused problems in financing mudharabah contracts in the UMKM segment such as internal and external factors, including internal factors such as inaccurate analysis, incorrectly predicting collateral or guarantees, and poor employee performance. good, then on external factors such as the global economy, natural disasters, declining sales levels and customers getting out of obligations during the contract. The results of this study are expected to be a reference and input for Bank Syariah Indonesia KC Jambi - Gatot Subroto in analyzing the risk of murabahah contract financing in the UMKM segment in the Indonesian Islamic bank KC Jambi - Gatot Subroto.]]>
