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INVESTIGASI MODEL PENGEMBANGAN WISATA HALAL; SEJAUH MANA PERAN RELIGIOSITAS DALAM MENCIPTAKAN KEPUASAN DAN LOYALITAS? Hidayat, Moh. Helmi
Jurnal Bisnis Terapan Vol. 8 No. 1 (2024): Jurnal Bisnis Terapan
Publisher : Politeknik Ubaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24123/jbt.v8i1.6057

Abstract

Creating satisfaction and loyalty in the tourism business is the basis that will determine the sustainability of the business. These two variables are very important variables, even this issue is being studied among researchers, regarding what factors are the determinants in creating satisfaction and loyalty. This research is in the form of dissecting the determining factors that will create satisfaction and loyalty. This study tries to dissect whether religiosity, destination image, demographics and motivation have a big role in creating satisfaction and loyalty. To do so, researchers managed to collect as many as 177 respondents to fill out a research questionnaire. Then from the data that the researcher has obtained, the researcher analyzes the data statistically descriptive and SEM PLS to prove the hypothesis that has been made by the researcher. From this analysis the researcher got the result that religiosity, destination image, demographics have a positive and significant effect on satisfaction, while motivation is not significant on satisfaction. Besides that, religiosity, destination image, demographics can indirectly influence the loyalty variable through satisfaction. Religiosity can be a moderating variable for the relationship between demographics and satisfaction. Finally, the satisfaction variable has a significant effect on loyalty.
THE EFFECT OF FINANCIAL PERFORMANCE ON STOCK RETURNS OF ISLAMIC BANKS WITH INFLATION AS A CONTROL VARIABLE Buchori, Imam; Elina, Riskiana; Hidayat, Moh. Helmi
NISBAH: Jurnal Perbankan Syariah Vol. 11 No. 1 (2025): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v11i1.19756

Abstract

This research seeks to analyze the influence of Return on Equity (ROE), Price to Earnings Ratio (PER), and Financing to Deposit Ratio (FDR) on the stock returns of Islamic banks, with inflation incorporated as a control variable. The study adopts a quantitative explanatory approach, aiming to empirically test the relationships between the formulated variables based on theoretical hypotheses. The data employed in this research consists of quarterly financial statements from Islamic commercial banks that are publicly listed on the Indonesia Stock Exchange (IDX), spanning a period of three quarters. Data collection was carried out through non-participant observation, ensuring objectivity without researcher intervention. For data analysis, the study utilizes panel data regression techniques, allowing for the simultaneous evaluation of time-series and cross-sectional data. The findings reveal that inflation, as a control variable, enhances the explanatory power of financial performance indicators in predicting stock returns. Additionally, the study confirms that ROE, PER, and FDR each exert a significant impact on the stock returns of Islamic banks.
OPTIMALISASI PERAN PEMBIAYAAN MODAL KERJA DALAM PENINGKATAN PEREKONOMIAN MASYARAKAT DESA PRENDUAN : STUDI KASUS BPRS BHAKTI SUMEKAR CABANG PRAGAAN Naili, Amaliyatun; Hidayat, Moh. Helmi; Elina, Riskiana
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 17 No 1 (2025)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v17i1.6545

Abstract

This study aims to determine how to optimize the role of working capital financing at Bank BPRS Bhakti Sumekar Pragaan Branch in improving the economy of the Prenduan village community and what are the challenges faced by Bank BPRS Bhakti Sumekar Pragaan Branch in optimizing working capital financing for the Prenduan village community. The research method used is descriptive qualitative research. The data sources collected were obtained through observation, interviews and documentation. With data analysis techniques using technical triangulation. The results of the study indicate that optimizing the role of working capital financing at BPRS Pragaan Branch in terms of welfare, access, participation, and control are the main indicators in empowering the community's economy. This is reflected in the implementation of aspects of planning, organizing, movement, and control optimally. However, there are several obstacles, such as late payments by customers, competition with other banks that offer lower interest rates, customer data recorded in the red at the OJK even though they have never had bad debts, and prospective customers who do not yet have a growing business.. Keywords: Optimization, Financing, Working Capital
Risk Mitigation Strategy in Financing Without Collateral at PT. BPRS Sarana Prima Mandiri Pamekasan Iqbal Rafiqi; Ulum, Miftahul; Hidayat, Moh. Helmi; Jufri, Achmad
Journal of Islamic Economics Perspectives Vol. 5 No. 2 (2023): September (2023) Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/jiep.v5i2.119

Abstract

Financing without collateral BPRS SPM Pamekasan is proliferating. Every year there is always an increase in customers by 75% from an average of 35%. The problem raised in this research is how to implement collateral-free financing and risk mitigation. This research is descriptive qualitative research with a case study model. Data collection techniques use observation, interviews, and documentation related to risk mitigation of collateral-free financing at BPRS Sarana Prima Mandiri Pamekasan. The results of this study indicate (1). PT. BPRS Sarana Prima Mandiri can provide financing for productive businesses. The customer's business funding needs are financed 100% by the BPRS SPM. The customer is the business manager, and the maximum period is six months. The payment procedure is carried out every day, while profit sharing is done once a month, which will be disbursed when the financing is said to be paid off. (2). The risk mitigation process carried out by BPRS Sarana Prima Mandiri Pamekasan is risk identification, namely looking at the character of the prospective customer, working capital capabilities, income that does not exceed the payment ability of the prospective customer, and education on customer product marketing.