Garuda - Garba Rujukan Digital

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI NON PERFORMING FINANCING PADA PERBANKAN SYARIAH DI INDONESIA TAHUN 2011-2016 Vanni, Kartika Marella; Rokhman, Wahibur
EQUILIBRIUM Vol 5, No 2 (2017): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v5i2.2776

This study was conducted to examine the factors affecting Non Performing Financing (NPF) in Sharia Banking in Indonesia such as: Financing to Deposit Ratio (FDR), Exchange Rate, and Inflation. The data used in this research is obtained from the Publication Report on the official website of the Financial Services Authority and Bank Indonesia within a period of six years. This research uses multiple linear regression analysis model which is processed through Eviews 7.0 application. The result of hypothesis testing shows that Financing to Deposit Ratio (FDR) has negative and significant effect to Non Performing Financing (NPF), the exchange rate has positive and significant influence to Non Performing Financing (NPF), inflation have positive and non significant effect to Non Performing Financing (NPF), and Financing to Deposit Ratio (FDR), Exchange Rate, and Inflation together have significant influence to dependent variable that is Non Performing Financing (NPF).

Fiduciary Dispute Settlement of Murabaha Contract in PT. Al-Ijarah Indonesia Finance Wijayanti, Riska; Vanni, Kartika Marella
Journal of Islamic Economic Laws Vol 2, No 2 (2019): Journal of Islamic Economic Laws
Publisher : Muhammadiyah University Press

This study examines the authority of dispute settlement body of a bad financing in murabaha contracts with a collateral of Daihatsu VVTI car 13 XI DLX Year 2011 midnight black color. According to DSN Fatwa Number 04/DSN-MUI/IV/2000 concerning Murabaha the placement of fiduciary on murabaha contract objects is indeed permissible, but it becomes ambiguous when murabaha objects which are used as collateral in the financing process that have not been repaid are lost, causing late installment payments. The customer argued that the late payment was due to the embezzlement of murabaha objects by third parties beyond the expectations or control of the customer. This study also examines the legal liability for late settlement of murabaha sale and purchase by customers due to the loss of murabaha objects which at the same time become collateral in murabaha financing contracts. This research is normative legal research with a legal approach and a case approach. This study concludes that Religious Courts have the authority to decide disputes that occur between customers (mushtari) and sharia financial institutions (?ahib al-m?l) for late repayment of murabaha financing. Based on the principle of accountability based on the element of error, the customer (mushtari) has legal responsibility for his actions. Errors made by customers (mushtari) are in the form of negligence.

Comparative Study of Development and Performance Evaluation Sharia Microfinance Institutions in Indonesia Vanni, Kartika Marella; Wijayanti, Riska
AL-ARBAH: Journal of Islamic Finance and Banking Vol 2, No 2 (2020)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.v2i2.7229

Purpose - This paper aims to determine the role of Islamic Microfinance Institutions (LKMS) in Indonesia and to make comparisons between theory and practice in the field.Method - The method used is a descriptive qualitative approach in which data collection is taken from a study of various literature and then compared with previous studies related to the discussion.Result - Sharia Microfinance Institutions theoretically play a role to help improve the national economy and alleviate community poverty by embracing the lower class and all remote areas. Meanwhile, empirically, Islamic Microfinance Institutions have tried to carry out their operational activities in accordance with the provisions and principles of Sharia, but there are still internal and external constraints.Implication - This study examines Islamic Microfinance Institutions in Indonesia.Originality - There are differences between theory and practice in Islamic Microfinance Institutions in Indonesia.

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUASAN NASABAH DALAM MENGGUNAKAN LAYANAN MOBILE BANKING (Studi Kasus Pada Nasabah Bank Syariah Mandiri di Kota Semarang) AMATUN NUR MAKMURIYAH; KARTIKA MARELLA VANNI
Eduka : Jurnal Pendidikan, Hukum, dan Bisnis Vol 5, No 1 (2020): Eduka : Jurnal Pendidikan, Hukum, dan Bisnis
Publisher : Faculty of training and education, Pamulang university

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/eduka.v5i1.6362

Penelitian ini bertujuan untuk menguji faktor-faktor yang mempengaruhi kepuasan nasabah dalam mengaplikasikan layanan mobile banking pada nasabah Bank Syariah Mandiri di Kota Semarang, seperti : kemudahan penggunaan, risiko dan fitur layanan. Penelitian ini dilakukan melalui pendekatan kuantitatif dengan metode pengambilan sampelnya memakai teknik sampling purposive. Pengukuran yang diterapkan dalam penelitian ini munggunakan skala likert yang diolah melalui aplikasi SPSS (Statistical Package for Social Science). Hasil pengujian hipotesis menunjukkan bahwa setiap variabel independen yang terdiri dari kemudahan penggunaan, risiko, dan fitur layanan berpengaruh signifikan terhadap kepuasan nasabah dalam menggunakan layanan mobile banking dan dinyatakan hipotesis yang diajukan diterima.Kata Kunci : kemudahan penggunaan;risiko;fitur layanan;mobile banking

Fiduciary Dispute Settlement of Murabaha Contract in PT. Al-Ijarah Indonesia Finance Riska Wijayanti; Kartika Marella Vanni
Journal of Islamic Economic Laws Vol 2, No 2: July 2019
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v2i2.8616

This study examines the authority of dispute settlement body of a bad financing in murabaha contracts with a collateral of Daihatsu VVTI car 13 XI DLX Year 2011 midnight black color. According to DSN Fatwa Number 04/DSN-MUI/IV/2000 concerning Murabaha the placement of fiduciary on murabaha contract objects is indeed permissible, but it becomes ambiguous when murabaha objects which are used as collateral in the financing process that have not been repaid are lost, causing late installment payments. The customer argued that the late payment was due to the embezzlement of murabaha objects by third parties beyond the expectations or control of the customer. This study also examines the legal liability for late settlement of murabaha sale and purchase by customers due to the loss of murabaha objects which at the same time become collateral in murabaha financing contracts. This research is normative legal research with a legal approach and a case approach. This study concludes that Religious Courts have the authority to decide disputes that occur between customers (mushtari) and sharia financial institutions (ṣahib al-māl) for late repayment of murabaha financing. Based on the principle of accountability based on the element of error, the customer (mushtari) has legal responsibility for his actions. Errors made by customers (mushtari) are in the form of negligence.

Comparative Study of Development and Performance Evaluation Sharia Microfinance Institutions in Indonesia Kartika Marella Vanni; Riska Wijayanti
AL-ARBAH: Journal of Islamic Finance and Banking Vol 2, No 2 (2020)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2020.2.2.7229

Purpose - This paper aims to determine the role of Islamic Microfinance Institutions (LKMS) in Indonesia and to make comparisons between theory and practice in the field.Method - The method used is a descriptive qualitative approach in which data collection is taken from a study of various literature and then compared with previous studies related to the discussion.Result - Sharia Microfinance Institutions theoretically play a role to help improve the national economy and alleviate community poverty by embracing the lower class and all remote areas. Meanwhile, empirically, Islamic Microfinance Institutions have tried to carry out their operational activities in accordance with the provisions and principles of Sharia, but there are still internal and external constraints.Implication - This study examines Islamic Microfinance Institutions in Indonesia.Originality - There are differences between theory and practice in Islamic Microfinance Institutions in Indonesia.

Analisis Ketahanan Keuangan Pelaku Usaha Mikro Kecil Diukur Dari Implementasi Literasi Keuangan Pada Masa Pandemi Covid 19.: Indonesia Ana Nihayah Nihayah; Lathif Hanafir Rifqi; Kartika Marella Vanni; Ali Imron
Jurnal E-Bis Vol 6 No 2 (2022): Vol. 6 No. 2 2022
Publisher : Politeknik Piksi Ganesha Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37339/e-bis.v6i2.912

Pandemi Covid-19 memberikan dampak bagi pelaku UMK di sekitar kampus UIN Walisongo. Salah satu yang dapat dilihat dari dampak pandemi adalah ketahanan keuangan pelaku UMK di sekitar kampus. Tujuan riset ini untuk menganalisis tiga masalah yaitu 1) peta kondisi ketahanan keuangan pelaku UMK pada masa pandemi; 3) kondisi literasi keuangan pelaku UMK di sekitar kampus; 3) Pengukuran tingkat pengaruh literasi keuangan terhadap ketahanan keuangan pelaku UMK di sekitar kampus UIN Walisongo. Penelitian ini menggunakan dua analisis pendekatan yaitu kualitatif deskriptif dan kuantitatif. Hasil penelitian menunjukkan bahwa 17 % pelaku UMK di sekitar kampus UIN Walisongo mengalami ketahanan keuangan sangat baik. Sementara, sebayak 9 % pada kategori baik, 34 % kategori buruk, dan sebanyak 39% memiliki ketahan keuangan sangat buruk. Hasil pemetaan implementasi literasi keuangan, sebanyak 30% pelaku UMK memiliki kategori well literate, sufficient literate (50%), dan less literate (19%). Sementara, hanya 1% yang dalam kategori not literate. Uji analisis regresi logistic ordinal menunjukkan bahwa variabel literasi keuangan tidak berpengaruh terhadap ketahanan keuangan pelaku UMK di sekitar kampus UIN Walisongo di masa pandemi covid-19.

STRATEGI PEMASARAN SYARIAH “BAKAR UANG” PADA PERUSAHAAN E-COMMERCE SHOPEE Kartika Marella Vanni
Jurnal Ekonomi dan Bisnis Vol 23, No 1 (2022): JURNAL EKONOMI DAN BISNIS
Publisher : Department of Management, Faculty of Economics, Universitas Islam Sutan Agung, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ekobis.23.1.16-27

ABSTRACTIndonesian people are currently enjoying something practical and efficient. This is due to the PPKM period due to covid which occurred one year this year, so entrepreneurs racked their brains to switch to the online system and begin to integrate with their daily lives. From a variety of existing e-commerce, one of which is shopee, which is aggressively burning money and according to the data carried out by iPrice, it is recorded that this e-commerce is capable of carrying out 540 million transactions. The method used in this study uses a descriptive qualitative approach in which data collection is taken from a study of various literatures. The results of the analysis, when other companies are confused about how to maintain their company so as not to go bankrupt, shopee with its strategy is actually burning money to attract people. Shopee's promotion strategy by burning money is very effective. Which makes consumers feel more comfortable using the application, because consumers feel benefited

Marketing Strategy of Mudharabah Deposit Products at Bank Syariah Indonesia Kartika Marella Vanni
JBTI : Jurnal Bisnis : Teori dan Implementasi Vol 13, No 2 (2022): August 2022
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jbti.v13i2.15927

This article discusses one of the safe investment instruments, namely mudharabah deposits at Bank Syariah Indonesia. Reviewing the marketing strategy that has been carried out and reviewing the SWOT analysis of the product. This article aims to find out the marketing strategies that have been carried out by BSI and their application in the field. This research uses descriptive qualitative research methods, involving BSI employees and related literature. The result of this study is that there are several marketing strategies used by BSI, namely through telemarketing, means of customer service by calling customers who have funds in BSI savings to place their funds in deposit products; social media, by offering deposit products with flayers uploaded via social media; mobile banking, by means of a mobile deposit feature that can be accessed through BSI mobile banking which is certainly safer.

Permasalahan UMKM di Masa Pandemi dan Peran Pembiayaan KSPPS Kartika Marella Vanni
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 1 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Pandemi berimplikasi terhadap ancaman krisis perekonomian yang besar. Hal ini ditandai dengan terhentinya aktivitas terutama terkait produksi di banyak negara, jatuhnya tingkat konsumsi masyarakat, hilangnya kepercayaan konsumen, jatuhnya bursa saham yang mengarah pada ketidakpastian. Indonesia yang didominasi oleh keberadaan Usaha Mikro, Kecil, dan Menengah (UMKM) sebagai tulang punggung perekonomian nasional pun terdampak. Pada aspek total produksi dan nilai perdagangan serta jumlah tenaga kerja yang harus kehilangan pekerjaannya karena pandemi ini yang akhirnya berdampak pada sisi suplai yakni pemutusan hubungan kerja dan ancaman macetnya pembayaran angsuran pembiayaan. KSPPS sebagai lembaga keuangan mikro syariah yang sasaran utamanya yaitu para pelaku UMKM. Pelaku UMKM sangat mungkin mengalami resiko penurunan pendapatan di masa pandemi. Dalam penelitian ini akan dijelaskan lebih rinci mengenai beberapa kendala yang dihadapi UMKM di masa pandemi covid-19 dan bagaimana peran KSPPS bagi keberlangsungan UMKM.Kata kunci : UMKM, KSPPS, Pembiayaan

Title

Found 24 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 24 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 24 Documents
Search