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PENGARUH DANA PIHAK KETIGA, TOTAL ASET DAN PEMBIAYAAN BAGI HASIL TERHADAP ROA UNIT USAHA SYARIAH BANK 9 JAMBI Firdaus Abdul Malik; Nazori Majid; Refky Fielnanda
Manajemen Keuangan Syariah Vol. 3 No. 2 (2023): Journal of Islamic Financial Management
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/makesya.v3i2.2038

Abstract

The purpose of this study was to determine the effect of TPF, Total Assets and Profit Sharing Financing on ROA at Bank 9 Jambi's Sharia Business Unit. The research method used is a quantitative method, with secondary data, in a multiple linear regression model. This study uses one dependent variable, namely the sharia business unit of bank 9 Jambi and independent variables, namely DPK, Total Assets and Profit Sharing Financing, with data collection techniques using the documentation method. Secondary data obtained from the website of Bank 9 Jambi. The results of the t-test in the study show that the DPK, Total Assets and Profit-sharing Financing variables have no effect on the Sharia Business Unit of Bank 9 Jambi. Based on the F-test, it was obtained that TPF, Total Assets and Profit Sharing Financing jointly affect the Sharia Business Unit of Bank 9 Jambi. Keywords: Third Party Funds, Total Assets, Profit Sharing Financing, Sharia Business Units.
STRATEGI PENGEMBANGAN USAHA TEMPE UMMI DI KELURAHAN WIJAYAPURA KECAMATAN JAMBI SELATAN KOTA JAMBI Efni Anita; Refky Fielnanda; M Rizky
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 1 No. 3 (2023): November
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v1i3.215

Abstract

. This study aims to determine the strategy for developing the Tempe Ummi business at the Angso Duo Market, Jambi City and to determine the strengths, weaknesses, opportunities and threats to the Tempe Ummi business at the Angso Duo Market, Jambi City. The research method used is SWOT analysis. The results obtained from this study are the business development strategy applied to Tempe Ummi which includes 4P, namely in terms of products that have been processed using modern machines. In terms of price, Tempe Ummi sells its products at stable and cheaper prices than competitors. Meanwhile, in terms of location, Tempe Ummi's business location is strategic because it is in the Angso Duo Market, Jambi City, which makes the opportunity to develop a business very large. In terms of promotion, Tempe Ummi only promotes its products by word of mouth. Tempe Ummi is also developing a business from its sales system, there are supporting products that Tempe Ummi takes on the market from market agents. The strengths of Tempe Ummi are products that are processed using modern machines, affordable prices, strategic locations, supporting products, and prioritizing product quality to maintain consumer loyalty. Meanwhile, the weakness is that there is no special logo and there is no promotion using print media or social media. Opportunities from Tempe Ummi are increasing population, increasing market needs, product diversification, and technological developments for promotion. While the threats that exist and need to be considered by Tempe Ummi are the many competitors in the market and price competition.
Analisis Faktor-Faktor Yang Mempengaruhi Keputusan Nasabah Dalam Menggunakan Produk Pembiayaan Musyarakah Di Bank Syariah Indonesia (BSI) Gatot Subroto Di Kota Jambi Widodo; Bambang Kurniawan; Refky Fielnanda
JOURNAL SAINS STUDENT RESEARCH Vol. 1 No. 1 (2023): Oktober: Jurnal Sains Student Research
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jssr.v1i1.210

Abstract

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.
PENGARUH TINGKAT RELIGIUSITAS, TINGKAT PENDIDIKAN DAN TINGKAT PENDAPATAN TERHADAP MINAT MENABUNG DI BANK SYARIAH PADA MASYARAKAT KELURAHAN SIMPANG IV SIPIN Refky Fielnanda; Santi Wahyuningsih
MARGIN: Journal of Islamic Banking Vol 1 No 1 (2021): MARGIN JOURNAL OF ISLAMIC BANKING
Publisher : UIN Sulthan Thaha Saifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/margin.v1i1.847

Abstract

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.
Peran Bumdes Dalam Meningkatkan Pendapatan Masyarakat Desa Air Balui Kec. Kemuning Kab. Indra Giri Hilir Garde Saspika; Arsa Arsa; Refky Fielnanda
JURNAL RISET MANAJEMEN DAN EKONOMI (JRIME) Vol. 1 No. 1 (2023): JANUARI : JURNAL RISET MANAJEMEN DAN EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (223.123 KB) | DOI: 10.54066/jrime-itb.v1i1.79

Abstract

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.
Sharia Supervision Of Amil Zakat And Shodaqoh Institutions: Framwork And Reporting Of Supervision Results Fielnanda, Refky
ILTIZAM Journal of Shariah Economics Research Vol. 6 No. 2 (2022): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

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

Abstract

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.
PENGARUH JAMINAN, TENOR, DAN PELAYANAN TERHADAP KEPUTUSAN PEMBIAYAAN MURABAHAH PADA BANK 9 JAMBI SYARIAH CABANG SIMPANG 4 SIPIN Sissah; Refky Fielnanda; Tania
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1240

Abstract

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%.
ANALISIS DAMPAK PANDEMI COVID-19 TERHADAP TINGKAT KEMISKINAN DI DESA GURUN MUDO KABUPATEN SAROLANGUN Ilham, Muhammad; Tarmizi, Ahmad; Fielnanda, Refky
Jurnal Riset Manajemen dan Akuntansi Vol. 3 No. 2 (2023): Agustus: Jurnal Riset Manajemen dan Akuntansi
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurima.v3i2.2450

Abstract

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%
ALTERNATIF PERHITUNGAN RETURN SHAHIBUL MAL PADA SKEMA MUDHARABAH BANK SYARIAH Fielnanda, Refky
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 3 No 2 (2019): Vol 3 No 2 Desember 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v3i2.1781

Abstract

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.
Analisis Kesesuaian Penempatan Kerja, Beban Kerja Terhadap Prestasi Karyawan Pada Bank 9 Syariah Jambi Toyba Toyba; Titin Agustin Nengsih; Refky Fielnanda
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 1 No. 3 (2023): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v1i3.339

Abstract

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.