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All Journal Indonesian Journal of Islamic Economics and Business MUSLIMPRENEUR : Jurnal Ekonomi dan Kajian Keislaman Alif Lam: Journal of Islamic Studies and Humanities Journal of Artificial Intelligence and Digital Business Jurnal Sains Sistem Informasi Al Birru: Jurnal Keuangan dan Perbankan Syariah Al Qardhu Jurnal Ekonomi dan Bisnis Islam
Muhammad Sapwan Suhadi
Insitut Agama Islam Hamzanwadi Pancor
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering Languange, Linguistic, Communication & Media Social Sciences Other

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Pemanfaatan Aplikasi 'Biak Tourism-Hub' dalam Meningkatkan Pengalaman Wisata: Studi Kasus untuk Mendukung Pariwisata Berkelanjutan di Papua Muhammad Sapwan Suhadi; Bryan Samperura; Noviana Riza
Jurnal Sains Sistem Informasi Vol 2, No 2 (2024): JSSI (Mei)
Publisher : Universitas Islam Kalimantan Muhammad Arsyad Al Banjari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/jssi.v2i2.13922

Abstract

Pariwisata di Biak, Papua, memiliki potensi besar namun menghadapi tantangan dalam eksposur media terhadap tempat wisata yang menakjubkan namun belum terekspos. Penelitian ini mengusung pengembangan aplikasi 'Biak Tourism-Hub' sebagai solusi inovatif. Aplikasi ini dirancang untuk memudahkan pemesanan tiket dan menyajikan informasi mendalam tentang destinasi yang kurang terkenal. Dengan pendekatan campuran, melibatkan observasi online, studi pustaka, dan wawancara, serta menggunakan model pengembangan waterfall, penelitian ini bertujuan menginvestigasi kontribusi aplikasi terhadap pariwisata berkelanjutan di Biak. Hasil observasi online dan wawancara dengan masyarakat Biak digunakan untuk merinci tantangan minimnya eksposur media. Flowchart dan Use Case Diagram digunakan untuk menggambarkan alur kerja aplikasi. Database dibangun dengan tabel-tabel terkait pemesanan tiket dan informasi destinasi. User Interface Sistem disajikan melalui dashboard, halaman login, booking, customer, dan destinasi. Penelitian ini menyimpulkan bahwa 'Biak Tourism-Hub' memiliki potensi signifikan dalam meningkatkan eksposur destinasi, mendorong minat wisatawan, dan mendukung pengelolaan pariwisata berkelanjutan. Dengan menyajikan informasi yang mudah diakses dan fasilitas pemesanan, aplikasi ini diharapkan membawa dampak positif pada ekonomi lokal dan warisan budaya Biak. Penelitian mendukung perkembangan pariwisata melalui penerapan teknologi informasi yang cermat dan berkelanjutan.
THE INDONESIAN SHARIA BANK PLAYS A CRUCIAL ROLE IN SUPPORTING THE SHARIA ECONOMIC COMMUNITY PROGRAM IN TIRTANADI VILLAGE Sapwan, Muhammad
Alif Lam : Journal of Islamic Studies and Humanities Vol 4 No 02 (2024): Alif Lam: Journal of Islamic Studies and Humanities
Publisher : STAI Darul Kamal NW Kembang Kerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51700/aliflam.v4i02.682

Abstract

This article discusses the MES organization together with the government and Bank Syariah Indonesia launching the MES program, namely rose mas in NTB with the aim of growing the community's economy and eradicating mosque-based loan sharks. This type of research uses descriptive qualitative research, which is classified as field research. The data collection techniques used in this research are observation, interviews and documentation techniques. Data analysis techniques use stages of data reduction, data presentation and data verification. The results of this research show that Bank Syariah Indonesia together with the MES Program is able to build a quality economy by increasing economic growth rates by opening employment opportunities by offering businesses from the capital provided by Bank Syariah Indonesia through the MES program implemented in Dasan Gerung, Tirtanadi Village to reduce unemployment rates and by The implementation of the MES program can reduce users of loan shark services in Dasan Gerung, Tirtanadi Village.
The Impact of Risk Management on Islamic Bank Performance in Indonesia Khairul Fatihin, Muh.; Sapwan, Muhammad; Hosfaikoni Hadi, Nizar
Indonesian Journal of Islamic Economics and Business Vol. 9 No. 1 (2024): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v9i1.2599

Abstract

Risk management gained growing attention in Islamic banking. This study aims to investigate the impact of risk management on the performance of Islamic banks in Indonesia. The risks used are financing risk, market risk, operational risk, liquidity risk, and rate of return risk (ROR). Using the data panel regression, where the method is the best method for data consisting of time series and cross sections. The data is obtained from the financial reports of each Islamic commercial bank. Meanwhile, the sampling technique used is the purposive sampling technique. The result shows that Financing risk, market risk, liquidity risk, and rate of return risk have a significant effect on Islamic bank performance. Overall, financing risk is the most influential risk toward the performance of Islamic banks in Indonesia. The results of this study have important implications for practitioners and regulators. Therefore, Islamic banks need to improve the standards of risk management practices, especially financing risk management.
DAMPAK LIKUIDITAS, PROFITABILITAS, DAN RISIKO TERHADAP MARKET SHARE INDUSTRI PERBANKAN SYARIAH DI INDONESIA Muh. Khairul Fatihin; Heri Hadi Saputra; Muhammad Sapwan
Al Birru: Jurnal Keuangan dan Perbankan Syariah Vol. 2 No. 1 (2023): Januari 2023
Publisher : Al Birru: Jurnal Keuangan dan Perbankan Syariah

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Abstract

Abstrak Bank Indonesia telah menetapkan cetak biru pengembangan industri perbankan syariah namun perkembangannya berjalan dengan sangat lambat. Penelitian ini bertujuan untuk menguji dampak likuiditas, profitabilitas, dan risiko terhadap market share perbankan syariah di indonesia. Menggunakan data bulanan industri perbankan syariah yang didapatkan dari situs otoritas jasa keuangan (OJK) dari tahun 2016-2022, hasil penelitian ini menunjukkan bahwa likuiditas berdampak negatif yang signifikan terhadap market share perbankan syariah. Profitabilitas berdampak positif yang signifikan terhadap market share perbankan syariah. Sementara itu, risiko tidak berdampak signifikan terhadap market share perbankan syariah di indonesia. Penelitian ini memiliki implikasi penting bagi pembuat kebijakan dan regulator dalam sektor keuangan. Kata kunci: Likuiditas, Profitabilitas, Risiko
PENGARUH SUKUK NEGARA TERHADAP PERFORMA PERBANKAN SYARIAH DI INDONESIA Muh. Khairul Fatihin; Muhammad Sapwan
Al Birru: Jurnal Keuangan dan Perbankan Syariah Vol. 2 No. 2 (2023): Juli 2023
Publisher : Al Birru: Jurnal Keuangan dan Perbankan Syariah

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Abstract

Abstrak Sukuk adalah instrument keuangan islam yang berkembang dengan sangat pesat. Di Indonesia, Sukuk telah dijadikan sebagai salah satu instrument untuk membiayai anggaran pendapatan dan belanja Negara (APBN). Penelitian ini menguji dampak sukuk Negara terhadap performa perbankan syariah di Indonesia dari tahun 2008-2023. Penelitian ini menggunakan regresi berganda. Peneliti menemukan bahwa sukuk Negara berdampak positif terhadap performa perbankan syariah. Sukuk Negara berdampak positif terhadap profitabilitas (ROA), kecukupan modal (CAR), dan efisiensi (BOPO) pada perbankan syariah. Penelitian ini menemukan bahwa bank dan pemerintah dapat bekerjasama untuk melakukan pembangunan nasional dan memajukan keuangan syariah di Indonesia. Kata Kunci: Sukuk Negara, Profitabilitas, Likuiditas, Efisiensi, Performa
ANALYSIS OF PRODUCT INNOVATION MODELS IN INCREASING CUSTOMER INTEREST IN BMT TUNAS HARAPAN SYARIAH Muhammad Sapwan
Al-Qardhu Vol. 3 No. 01 (2024): (September) JURNAL AL-QARDHU
Publisher : Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/alqardhu.v3i01.1641

Abstract

The aim of this research is to determine the product innovation model in increasing customer interest in BMT Tunas Harapan Syariah. To find out more deeply, what innovation models are used by BMT to increase customer loyalty. Researchers also used qualitative research methods, where the research results showed that the existing innovation model at Tunas Harapan Syariah showed that the procedures and processes were easier. Where customers are pampered by BMT both in terms of service system and so on. There are three products innovated by BMT, such as: education savings, marriage savings, qurban savings. Where in these three products innovation was carried out by providing bonuses which created improvements both in terms of customers and improvements for BMT. The obstacles experienced in innovating products at BMT Tunas Harapan Syariah are the old system so that customers do not know and do not understand the system.
ANALISIS MANAJEMEN RISIKO DALAM USAHA BUDIDAYA LOBSTER DAN DAMPAKNYA TERHADAP PENDAPATAN MASYARAKAT PEMONGKONG PERSPEKTIF EKONOMI ISLAM Sapwan, Muhammad; Jalil, Muh. Rabbul
MUSLIMPRENEUR : Jurnal Ekonomi dan Kajian Keislaman Vol. 4 No. 2 (2024): MUSLIMPRENEUR
Publisher : Fakultas Ekonomi Islam Institut Agama Islam Nurul Hakim Kediri Lombok Barat

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Abstract

The natural wealth owned by the Pemongkong Village area, especially from the sea, should be able to boost the economy of the local community, namely by optimizing existing natural potential, such as in the lobster cultivation business. The method used in this research is qualitative with the research subjects focusing on 15 entrepreneurs who cultivate lobsters. The results of the research show that risk management in terms of capital for the people of Ujung Betok Hamlet is by borrowing from banks, cooperatives, and there are also those who owe money to collectors. To overcome these obstacles from the weather by not going to the cages when the wind is strong, as for problems from pests/diseases, the community prevents them by cleaning up leftover food that settles in nets, damaged nets, and feed. If viewed from an Islamic perspective, entrepreneurs are in accordance with the principles of Islamic economics which include halal types of business, implementing honesty, having the right to vote (khiyar) in choosing lobsters, setting prices transparently. The average income of the people of Ujung Betok Hamlet reaches more than IDR 100 million, and this income can improve the welfare of lobster farmers.
ANALYSIS OF PRODUCT INNOVATION MODELS IN INCREASING CUSTOMER INTEREST IN BMT TUNAS HARAPAN SYARIAH Sapwan, Muhammad
Al-Qardhu Vol. 3 No. 01 (2024): (September) Jurnal Al-Qardhu
Publisher : Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/alqardhu.v3i01.1641

Abstract

The aim of this research is to determine the product innovation model in increasing customer interest in BMT Tunas Harapan Syariah. To find out more deeply, what innovation models are used by BMT to increase customer loyalty. Researchers also used qualitative research methods, where the research results showed that the existing innovation model at Tunas Harapan Syariah showed that the procedures and processes were easier. Where customers are pampered by BMT both in terms of service system and so on. There are three products innovated by BMT, such as: education savings, marriage savings, qurban savings. Where in these three products innovation was carried out by providing bonuses which created improvements both in terms of customers and improvements for BMT. The obstacles experienced in innovating products at BMT Tunas Harapan Syariah are the old system so that customers do not know and do not understand the system.
Analisis Tingkat Kesehatan PT Bank NTB Syariah Dengan Model Grover Score Periode 2020-2024 Hastuti, Yuliana; Sapwan, Muhammad; Gunawan, M. Indra
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.3018

Abstract

Penelitian ini bertujuan untuk menganalisis tingkat kesehatan PT Bank NTB Syariah periode 2020–2024 dengan menggunakan model Grover Score, yang dikenal efektif dalam memprediksi potensi kebangkrutan melalui pengukuran kondisi finansial secara komprehensif berdasarkan rasio-rasio keuangan. Penelitian ini menggunakan data sekunder berupa laporan keuangan tahunan yang dipublikasikan oleh PT Bank NTB Syariah selama periode tersebut. Metode analisis yang digunakan adalah pendekatan kuantitatif, dengan menghitung skor Grover Score setiap tahun untuk menilai stabilitas dan ketahanan finansial bank. Hasil penelitian menunjukkan bahwa selama periode pengamatan, PT Bank NTB Syariah secara konsisten berada pada kategori sehat, dengan skor berturut-turut sebesar 0,209527 (2020), 0,202523 (2021), 0,194423 (2022), 0,195677 (2023), dan 0,192537 (2024). Seluruh skor berada di atas ambang batas risiko kebangkrutan, yang menandakan kondisi keuangan stabil dan manajemen risiko yang baik. Temuan ini mengindikasikan bahwa PT Bank NTB Syariah memiliki ketahanan keuangan yang kuat serta kemampuan manajerial yang efektif dalam menghadapi dinamika ekonomi, termasuk dampak pasca-pandemi COVID-19. Penelitian ini juga memperkuat validitas model Grover Score sebagai alat analisis kesehatan keuangan bank, meskipun masih memiliki keterbatasan terkait periode penelitian yang singkat dan keterbatasan data pembanding.
Co-Authors Bryan Samperura Gunawan, M. Indra Hastuti, Yuliana Heri Hadi Saputra Hosfaikoni Hadi, Nizar Jalil, Muh. Rabbul Khairul Fatihin, Muh. Muh. Khairul Fatihin Noviana Riza