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All Journal Istinbath Jurnal Algoritma Innovative: Journal Of Social Science Research ISTINBATH
Bella, Sintia
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ANALISIS AKAD MURABAHAH PADA PRODUK CICIL EMAS TERHADAP MINAT NASABAH DALAM PERSEPEKTIF EKONOMI ISLAM  PADA BANK SYARIAH INDONESIA KCP JAKABARING PALEMBANG Putri, Ramanda; Rizka Apriani; Azizah, Latifah Ayu; Bella, Sintia; Azwari, Peny Cahaya
Istinbath Vol 16 No 2 (2024): Istinbath
Publisher : Kopertais Wilayah VII Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/istinbath.v16i1.25832

Abstract

Banks have a primary function as collectors and distributors of funds, while additional services act as supporters. The presence of Islamic banking, such as Bank Syariah Indonesia (BSI), is expected to increase economic growth, especially in Muslim-majority countries like Indonesia. BSI was officially launched on February 1, 2021 through the merger of several government-owned Islamic banks. Innovative products, such as BSI Gold Installments, are one of the efforts to attract public interest in Islamic banking services. BSI Gold Installments utilize murabahah and rahn contracts, which are in accordance with sharia principles, to allow customers to own gold in stages with light payments. Gold is chosen because of its stability in value and its ability to fight inflation, making it an attractive investment. This study aims to analyze the BSI Gold Installment product in increasing customer financing, especially at BSI KCP Palembang Jakabaring, using a descriptive qualitative method. The results show that service excellence, product innovation, and contract transparency are the main factors in the success of this product in meeting the investment needs of the community. However, challenges remain, including low customer interest due to lack of education and promotion. Therefore, BSI is expected to continue to develop marketing strategies and sharia-based product innovations to increase competitiveness in the banking sector.
ANALISIS AKAD MURABAHAH PADA PRODUK CICIL EMAS TERHADAP MINAT NASABAH DALAM PERSEPEKTIF EKONOMI ISLAM  PADA BANK SYARIAH INDONESIA KCP JAKABARING PALEMBANG Putri, Ramanda; Rizka Apriani; Azizah, Latifah Ayu; Bella, Sintia; Azwari, Peny Cahaya
Istinbath Vol 16 No 2 (2024): Istinbath
Publisher : Kopertais Wilayah VII Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/istinbath.v16i1.25832

Abstract

Banks have a primary function as collectors and distributors of funds, while additional services act as supporters. The presence of Islamic banking, such as Bank Syariah Indonesia (BSI), is expected to increase economic growth, especially in Muslim-majority countries like Indonesia. BSI was officially launched on February 1, 2021 through the merger of several government-owned Islamic banks. Innovative products, such as BSI Gold Installments, are one of the efforts to attract public interest in Islamic banking services. BSI Gold Installments utilize murabahah and rahn contracts, which are in accordance with sharia principles, to allow customers to own gold in stages with light payments. Gold is chosen because of its stability in value and its ability to fight inflation, making it an attractive investment. This study aims to analyze the BSI Gold Installment product in increasing customer financing, especially at BSI KCP Palembang Jakabaring, using a descriptive qualitative method. The results show that service excellence, product innovation, and contract transparency are the main factors in the success of this product in meeting the investment needs of the community. However, challenges remain, including low customer interest due to lack of education and promotion. Therefore, BSI is expected to continue to develop marketing strategies and sharia-based product innovations to increase competitiveness in the banking sector.
Kepuasan Pengguna Aplikasi Pasti Oke Melalui Kualitas Pelayanan E-Government di Dinas Kependudukan dan Pencatatan Sipil Kabupaten Garut Hadita, Akmala; Agustina, Novi; Bella, Sintia
Jurnal Algoritma Vol 22 No 1 (2025): Jurnal Algoritma
Publisher : Institut Teknologi Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33364/algoritma/v.22-1.2431

Abstract

This study aims to analyze the effect of e-government service quality on user satisfaction of the Pasti Oke Application at the Garut Regency Population and Civil Registration Office. This application is designed to improve the efficiency of population administration services digitally. However, in its implementation, there are still various obstacles such as difficult accessibility, system disruptions, lack of clarity of information, and low response from the application manager. The research method used is a quantitative approach with simple linear regression analysis using SPSS 23. Data were collected through questionnaires distributed to 100 respondents who used the application. The results show that the quality of e-government services has a significant influence on the level of user satisfaction with a contribution of 71.6%. These results provide important implications for the development of more effective and responsive public digital services.
Pengaruh Lingkungan Keluarga dan Pengetahuan Kewirausahaan terhadap Niat Berwirausaha (Studi Kasus Pada Siswa SMA dan SMK di YAPIMSEI GELUGUR) Bella, Sintia; Nasution, Amrin Mulia Utama; Syahrial, Hery
Innovative: Journal Of Social Science Research Vol. 4 No. 4 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i4.13419

Abstract

“Penelitian ini bertujuan untuk mengetahui pengaruh Lingkungan Keluarga dan Pengetahuan Kewirausahaan terhadap Niat Berwirausaha pada siswa SMA dan SMK di Yapim Sei Gelugur. Jenis penelitian ini adalah asosiatif dengan pendekatan kuantitatif. Data yang digunakan merupakan data primer atau kuesioner dan metode analisis data menggunakan SPSS 23. Populasi dalam penelitian ini adalah siswa kelas XI dan Kelas XII di YAPIM Sei Gelugur yang berjumlah 156 Siswa. Teknik sampel yang digunakan adalah Probability sampling menggunakan rumus Slovin maka jumlah sampel dalam penelitian ini adalah sebanyak 61 responden. Berdasarkan hasil penelitian ini menunjukkan bahwa secara parsial pengaruh Lingkungan Keluarga (X1) berpengaruh positif dan signifikan terhadap Niat Berwirausaha pada siswa SMA dan SMK YAPIM Sei Gelugur. Pengaruh Pengetahuan Keiwrausahaan (X2) berpengaruh positif dan signifikan terhadap Niat Berwirausaha pada siswa SMA dan SMK YAPIM Sei Gelugur. Berdasarkan hasil Uji F didapati bahwa Lingkungan Keluarga dan Pengetahuan Kewirausahaan secara bersama-sama (simultan) berpengaruh terhadap Niat Berwirausaha. Pada koefisien determinasi (R2) bahwa nilai AdjustedR Square yang diperoleh yaitu sebesar 0,735 (73%) dan sisanya 27% yang akan di pengaruhi oleh faktorfaktor lainnya yang tidak dapat dijelaskan pada penelitian ini.
Co-Authors Agustina, Novi Akmala Hadita Amrin Mulia Utama Nasution Azizah, Latifah Ayu Hery Syahrial Putri, Ramanda Rizka Apriani