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All Journal Jurnal Ekonomi Syariah Indonesia Jurnal Perbankan Syariah Indonesia (JPSI) International Journal of Economics, Management and Accounting Jurnal Cendekia Ilmiah
Agung Apriana
STEI Al-Amar Subang
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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ANALISIS PERKEMBANGAN PERBANKAN SYARIAH DI KABUPATEN SUBANG Ari Susanto; Adiana Novita; Deni Alatas; Agung Apriana
Jurnal Perbankan Syariah Indonesia (JPSI) Vol. 2 No. 1 (2023): Maret
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) Al-Amar Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57171/jpsi.v2i1.70

Abstract

Harapan besar terhadap BSI Subang untuk menjadi salah satu pendorong perekonomian masyarakat setempat bahkan sampai tingkat nasional sekaligus berkelas dunia harus dapat segera direalisasikan. Penelitian ini mengkaji terkait dengan Analisis deskriptif perkembangan BSI di Kabupaten. Penelitian ini bertujuan untuk menganalisis terkait analisis perkembangan BSI di Kabupaten Subang. Metode yang digunakan pada penelitian ini adalah analisis deskriptif kuantitatif, sedangkan, teknik pengumpulan data dilakukan dengan observasi. Hasil penelitian menunjukan bahwa BSI saat ini menjadi bank terbesar ke-7 di Indonesia dari sisi aset. Pasar saham juga menjadi indikator bahwa BSI mendapat tanggapan positif dari pengusaha dan investor. Keberhasilan awal tersebut harus diikuti dengan keberhasilan dalam mewujudkan visi bank kelas dunia dan kemampuan menjadi roda penggerak perekonomian nasional, antara lain, melalui upaya transformasi komersial yang berkesinambungan, produksi produk jasa keuangan yang kompetitif dan peningkatan penetresi keuangan. Oleh karena itu, melalui peran pengawasannya, BSI Subang harus terus memantau dan mendorong perkembangan BSI Subang untuk mendukung perekonomian dan mampu mencapai visi yang ditetapkan pada tahum 2025.
Pengaruh Pengetahuan Dan Segmentasi Psikografis Terhadap Minat Menjadi Nasabah Pegadaian Syariah Syifa Verranie; Fenny Damayanti Rusmana; Agung Apriana
J-CEKI : Jurnal Cendekia Ilmiah Vol. 3 No. 6: Oktober 2024
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v3i6.5463

Abstract

In the current era, non-bank institutions finance is increasingly in demand because it can provide initial capital intake for people, especially those opening small and medium businesses, for example sharia pawnshops. And it is this psychological life skills factor that influences a person's decision to become a customer. This research aims to find out what factors make someone choose to become a sharia pawnshop customer. This research method adopts a quantitative approach, using statistical methods to analyze and measure the relationship between variables, as well as collecting data from various populations. The results of this research are that from the F test it is known that the calculated F is greater than (12,811 > 3.09). meaning that Knowledge (X1), Psychographic Segmentation (X2) have a simultaneous influence on Interest in becoming a customer (Y). Meanwhile, the Knowledge T Test (X1) shows that the calculated t value is greater than the t table (4,375 > 1.984). there is an influence of Knowledge (X1) on Interest in becoming a customer (Y). Psychographic Segmentation (X2) calculated t value is greater than t table (1.505 < 1.984). This means that there is no influence of Psychographic Segmentation (X1) on Interest in becoming a customer (Y).
Strategi Pengelolaan UMKM dalam Mempertahankan Usaha Pasca Bencana Kebakaran Ditinjau Berdasarkan Perspektif Islam Neni Sadiyah; Juhadi Juhadi; Agung Apriana
J-CEKI : Jurnal Cendekia Ilmiah Vol. 3 No. 6: Oktober 2024
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v3i6.5476

Abstract

In economic activities there are various kinds of businesses carried out by people to fulfill their economy. One of them is trading, trading can be done anywhere but mostly it is done in a place which is usually called a market. Especially in the Pagaden area, it is no stranger to the name market. The market is a place that is a source of income for the community, especially in the Pagaden area. However, what happens if the community's place to fulfill their economy experiences an unexpected event, namely a fire, they have to restart their destroyed business. Therefore, this research was conducted to contains traders' strategies for maintaining their business after a market fire occurred at Pagaden Market, Subang Regency. The type of research used is qualitative, using interview research methods with participants, namely MSMEs and SDI actors in it. The results of this research show that traders maintain their business. implementing a marketing management strategy in the form of selling a variety of products. Apart from that, if viewed from an Islamic economic perspective, the marketing management strategy in Islam is being honest with the product, being fair in setting prices. The risk management strategy is in accordance with the Islamic economic perspective by not allowing any means to be justified. to get more profits and carry out better business planning.
STRATEGI PENGEMBANGAN POTENSI DAN PROSPEK WISATA SYARIAH DALAM MENINGKATKAN PEREKONOMIAN MASYARAKAT LOKAL Ikbal Maulana; Ridla Mutiah; Agung Apriana
Jurnal Ekonomi Syariah Indonesia (JESI) Vol. 3 No. 2 (2024): September
Publisher : STEI Al-Amar Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57171/jesi.v3i2.21

Abstract

Penelitian ini bertujuan untuk memahami strategi pengembagan potensi wisata syariah di suatu daerah untuk meningkatkan perekonomian masyarakat. Implementasi strategi yang tepat dan berkelanjutan dapat memberikan manfaat yang signifikan bagi pemerintah maupun masyarakat sekitar. Penelitian ini menggunakan metode kualitatif dengan pendekatan deskriftif yang berlandaskan pada filsafat postpositivisme digunakan untuk meneliti pada kondisi objek alamiah. Lokasi penelitian ini di Desa Cupunagara yang merupakan salah satu desa yang berada di Kecamatan Cisalak Kabupaten Subang. Partisipan penelitian ini antara lain kepala desa, kepala bumdes, dan kepala karang taruna Desa Cupunagara. Instrument penelitian ini yaitu, wawancara yang mendalam, observasi, dan dokumentasi. Analisis data penelitian ini menggunakan teknik analisis data kualitatif dengan Langkah-langkah reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian ini menunjukkaan bahwa kurangnya kesadaran pemerintah dan masyarakat akan potensi yang ada di desa Cupunagara menjadi hambatan dalam pengembangan wisata syariah tersebut. Strategi pengembangan potensi wisata dan kesadaran pemerintah maupun masyarakat menjadikan peluang yang sangat signifikan dalam pertumbuhan ekonomi masyarakat. Penelitian ini memberikan kontribusi bagi pengembangan ilmu pengetahuan dan memberikan wawasan bagi pihak-pihak terkait, seperti pemerintah dan masyarakat dalam mengembangkan strategi potensi wisata syariah.
IMPLEMENTASI AKAD MUSYARAKAH PADA POLA KEMITRAAN PRODUKSI TELUR ASIN DENGAN PETERNAK BEBEK Rosi Rosmania; Agung Apriana; Ridla Mutiah
Jurnal Ekonomi Syariah Indonesia (JESI) Vol. 3 No. 2 (2024): September
Publisher : STEI Al-Amar Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57171/jesi.v3i2.33

Abstract

Telur asin adalah masakan berbahan dasar telur yang diawetkan dengan cara diasinkan. Telur asin dapat dijadikan peluang usaha untuk dilakukannya proses kemitraan antara pengusaha telur asin dengan peternak bebek. Fokus dalam penelitian ini adalah 1) Bagaimana proses kemitraan menggunakan akad musyarakah pada pola kemitraan produksi telur asin dengan peternak bebek, 2) Bagaimana proses pembagian hasil menggunakan akad musyarakah pada pola kemitraan produksi telur asin dengan peternak bebek. Tujuan dari penelitian ini adalah untuk mengetahui proses kemitraan menggunakan akad musyarakah pada pola kemitraan produksi telur asin dengan peternak bebek serta untuk mengetahui proses pembagian hasil menggunakan akad musyarakah pada pola kemitraan produksi telur asin dengan peternak bebek. Penelitian ini menggunakan pendekatan kualitatif dengan mengumpulkan data berupa hasil wawancara dan dokumentasi. Penelitian ini memperoleh kesimpulan pembagian modal usaha yang dilakukan adalah pengusaha telur asin mengeluarkan modal sebesar 60% sedangkan peternak bebek sebesar 40%. Jika ada kerugian keduanya sama-sama menanggung sebesar 50%. Sedangkan untuk keuntungan dimana pembagiannya sesuai dengan jumlah persentase modal yang dikeluarkan.
ASPEK RELIGIUSITAS, KEPUASAN PELAYANAN, DAN PENGARUHNYA TERHADAP LOYALITAS NASABAH BANK SYARIAH Abdul Aziz; Agung Apriana; Juhadi Juhadi
Jurnal Ekonomi Syariah Indonesia (JESI) Vol. 3 No. 2 (2024): September
Publisher : STEI Al-Amar Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57171/jesi.v3i2.39

Abstract

Penelitian ini dilatarbelakangi oleh tingginya loyalitas pelanggan dapat mengindikasikan keberhasilan sebuah perusahaan, Demikian halnya dengan bank syariah. Dalam perbankan syariah, pelanggan yang loyal akan selalu menggunakan produk bank syariah dan tidak akan berpindah ke bank konvensional. Tujuan penelitian ini adalah untuk menjelaskan religiusitas, kepuasan pelayanan, dan pengaruhnya terhadap loyalitas nasabah bank syariah. Pendekatan penelitian ini adalah kuantitatif. Didapatkan hasil penelitian bahwa religiusitas seseorang dan kualitas layanan bank syariah berpengaruh secara positif dan signifikan terhadap loyalitasnya sebagai nasabah di bank syariah. Religiusitas yang tinggi dapat membuat seseorang menjadi loyal terhadap sesuatu yang berlabel sesuai agamanya. Sementara kualitas pelayanan dapat meningkatkan daya saing sebuah perusahaan dalam hal menarik loyalitas pelanggan, terutama perusahaan jasa seperti perbankan.
The Impact of Public Understanding of Usury on Debt and Receivable Behavior from an Islamic Perspective Nurdin Mulyana; Ridla Mutiah; Agung Apriana
International Journal of Economics, Management and Accounting (IJEMA) Vol. 2 No. 3 (2024)
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijema.v2i3.190

Abstract

Based on the framework of islamic teachings, economic activities carried out by humans to be developed have several rules and ethics or morality in Islamic law. Providing loans will help those in need as is the principle of loans or debts. The discussion about usury can be said to be classic both in the development of Islamic economic thought and in Islamic civilization because it is a complicated problem and often occurs in society. Based on research conducted at the Padamulya Village Taklim Country, Subang Regency, it shows that people who lack understanding about usury will tend to believe that usury is an addition that is too high, such as that made by loan sharks, while additions with small amounts are not usury. This research uses a qualitative research approach where qualitative research as a saientific method is often used and carried out by a group of researchers in the field of social sciences, including educational sciences. The result of the research show that people’s understanding about usury has an influence on debt and receivable behavior in the majelis taklim in padamulya village, subang district with a significantly low understanding value, thus showing a positive value, therefore there is a unidirectional relationship.
The influence of Self Efficacy and Locus of Control on employee performance from an Islamic perspective Putri Hastuti Permana; Agung Apriana; Ridla Mutiah
International Journal of Economics, Management and Accounting (IJEMA) Vol. 2 No. 4 (2024)
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijema.v2i4.192

Abstract

This research is motivated by the success of an employee's performance being determined by the management who manages it and the employees. Especially in the current era of globalization, competition is increasingly fierce, so employees must be able to contribute to the company's sustainability. The research method used in carrying out this research is a quantitative descriptive research method. The results of this research indicate that companies are expected to continue to improve employee self-efficacy and locus of control and can increase employee job satisfaction. Especially for superiors towards their subordinates, they can provide motivation to subordinates so that they can be motivated to work well and achieve job satisfaction.
Sharia Financing And Community Economic Empowerment Imam Faturahman; Irma Mandasari Hatta; Agung Apriana
International Journal of Economics, Management and Accounting (IJEMA) Vol. 1 No. 7 (2023)
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijema.v1i7.202

Abstract

This research aims to determine the role of Sharia financing and community economic empowerment. The research method used in this research is a qualitative method. The research results show that the Islamic perspective views sharia-based economic financing as a solution that can improve the economy of the people. In the Islamic view, sharia-based economic financing is a fairer and more sustainable way of developing the economy. In the sharia financing system, profits are not obtained from interest, but from a share of the business profits generated. Apart from that, sharia financing also applies the principle of sharing risks between capital owners and entrepreneurs. As an alternative financing, sharia banks can help improve the people's economy by providing financing in accordance with sharia principles. Apart from that, Islamic banks can also aid entrepreneurs to gain access to markets and better business opportunities. Sharia banks have a different economic mechanism from conventional banks, which are based on sharia principles and encourage the economic development of the people.
Co-Authors Abdul Aziz Adiana Novita Ari Susanto Deni Alatas Fenny Damayanti Rusmana Ikbal Maulana Imam Faturahman Irma Mandasari Hatta Juhadi Juhadi Neni Sadiyah Nurdin Mulyana Putri Hastuti Permana Ridla Mutiah Rosi Rosmania Syifa Verranie