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Journal : Sahid Banking Journal

ANALISIS PERSEPSI MASYARAKAT TENTANG LAYANAN PEMBIAYAAN BERBASIS TEKNOLOGI INFORMASI BERDASARKAN PRINSIP SYARIAH (Studi Pada Desa Situ Udik Kecamatan Cibungbulang Kabupaten Bogor) Muhammad Rifal Arrifqi; Rully Trihantana; Ria Kusumaningrum
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (466.628 KB) | DOI: 10.56406/sahidbankingjournal.v1i01.17

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ABSTRACT The purpose of this study was to determine the knowledge and public perception of digital-based (online) financing services based on sharia principles. the method used is descriptive qualitative. The primary data in this study are the people of Situ Udik Village, Cibungbulang District, Bogor, while the secondary data is in the form of information obtained from the internet, books, journals, articles and other literature. Based on the results of the study, it can be concluded that most (70%) people do not know about digital-based services (online) based on sharia principles. In addition, the analysis of public perception in terms of needs (48%) of the community is quite in need and when viewed from the perspective of interest (44%) the community is quite concerned with using digital-based (online) financing services based on sharia principles. with the perception to avoid the practice of usury and avoid the frauds that occur in conventional credit. In this case, it is necessary to increase socialization and the existence of facilitators to increase public awareness in order to avoid the practice of usury..
PREFERENSI MASYARAKAT KECAMATAN PAMIJAHAN DALAM PEMANFAATAN SELF-SERVICE TECHNOLOGIES DIBANK SYARIAH (Studi Pada Kecamatan Pamijahan Kabupaten Bogor, Jawa Barat) keris kartono; Rully Trihantana; Ria Kusumaningrum
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (609.366 KB) | DOI: 10.56406/sahidbankingjournal.v1i01.18

Abstract

Abstract One of the activities of a Sharia Bank that distributes funds to the public to develop a service based on independent information technology to be practical, easy, comfortable, and economical in cost, on Self-Service Technologies (SSTs) services such as Automatic Teller Machines (ATMs), SMS Bankimg, Mobile Banking, and Internet Banking. Currently, people in urban areas have been using SSTs a lot, while in rural areas SSTs the facilities and infrastructure are not sufficient enough. The aim is to examine people's preferences in the use of SSTs in Islamic banks. The research used a descriptive qualitative method with a phenomenological approach, the research subjects were in the Pamijahan sub-district, Bogor regency. The results of this study indicate that people's preferences are like or dislike like the number of respondents who like ATM machines 100% and 0% dislike, Mobile Banking is preferred by 75% and those who do not like it 15%, Internet Banking is preferred by 15% and those who do not like it. 75%, and SMS Banking is preferred 0.5% and 98.05% do not like it. In the village community, Kecamatan Pamijahan prefer ATM machines rather than Mobile Banking, Internet Banking, and SMS Banking because ATM machines are one of the facilities that are characterized by being able to withdraw cash cash at the ATM machine. Utilization of Self-Service Technologies In the Pamijahan sub-district, Bogor Regency, it is time efficient, practical, can check financial 24 hours, is safe, gets bank information, is free to register, and is comfortable. It is necessary to develop SSTs in rural communities so that their use is more optimal. Keywords: Preferences, Utilization of Self-Service Technologies, and Islamic Banks
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PEMILIK TOKO BANGUNAN UNTUK MENGAJUKAN PEMBIAYAAN DI BANK SYARIAH (Studi Pada Kecamatan Pamijahan dan Kecamatan Cibungbulang Kabupaten Bogor, Jawa Barat) Nadia Febtianda; Rully Trihantana; Miftakhul Anwar
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (429.114 KB) | DOI: 10.56406/sahidbankingjournal.v1i01.20

Abstract

ABSTRACT The purpose of this study is to determine the factors that influence shop buildings in collecting financing at Islamic banks. This thesis is localized in promotion, confidence and environment. Respondents in this study were building shop owners. The sample used in this study were 30 respondents. The sampling technique used is non-probability sampling with purposive sampling method. The results of the T test concluded that trust (T count -2.710, sig. 0.038) and the environment (T count -2.185, sig. 0.012) influenced the building shop's decision to apply for financing, while promotion had no effect on buildings. the decision to apply for financing to Islamic banks because it has a T-value of -1.549 < T table +- 1.705 and sig. 0.133 > 0.05. Meanwhile, from the results of the research F table with a value of 4.115 and a significance value of 0.016 which is greater than F table of 2.98 and a significance value of 0.05 it can be concluded that promotion, self-confidence, and the environment together influence building decisions. apply for financing in Islamic banks. And the results of the study of the coefficient of determination concluded that the influence of promotion, trust, and the environment on the hardware store's decision to raise financing in Islamic banks was 22.4%.
ANALISIS MINAT MASYARAKAT DALAM MENGAJUKAN PEMBIAYAAN DI PT. BPRS AMANAH UMMAH KANTOR CABANG CICURUG (Studi Pada Kecamatan Cicurug Kabupaten Sukabumu, Jawa Barat) Mohammad Husen; Rully Trihantana; Miftakhul Anwar
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (729.844 KB) | DOI: 10.56406/sahidbankingjournal.v1i01.21

Abstract

ABSTRACT Bank is a financial intermediary institution that collects public funds from parties who have excess funds and distributes funds to those in need. Financing is an activity of Islamic banks in channeling funds to other parties based on sharia principles. Distribution of funds in the form of financing is based on the trust given by the owner of the funds to the user of the funds. Financing in Islamic banks uses contracts according to needs such as buying and selling there are murabahah, salam and istishna, in the form of cooperation there are mudharabah and musyarakah, in leasing services there are ijarah and IMBT as well as a deposit in the form of qordh. . Customer interest is a form of desire and interest in a decision-making process that will be carried out by consumers or customers. There are several stages in the decision-making process that are generally carried out by someone, namely the introduction of consumer needs and information processing. This study aims to examine how the influence of service, reputation and procedure variables influence or not the public's interest in proposing financing. The research method used in this study is research using quantitative methods. Quantitative research methods are used to examine certain populations or samples, with the aim of testing established hypotheses. The type of research used is descriptive quantitative with a field research approach. From the results of this study it can be concluded that partially the service and procedure variables have an effect on interest while the reputation variable has no effect. Simultaneously the service, reputation and procedure variables simultaneously influence the interest variable.
PENGARUH FINANCING TO DEPOSIT RATIO (FDR) DAN NON PERFORMING FINANCING (NPF) TERHADAP RETURN ON ASSET (ROA) (Studi Pada di Bank Syariah Mandiri Periode 2012-2019) Nurandika Maulana Rachman; Rully Trihantana; Ria kusumaningrum
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1643.568 KB) | DOI: 10.56406/sahidbankingjournal.v1i01.27

Abstract

ABSTRACT Bank Indonesia in BI Circular Letter No. 9/24/DPbs 2007 states that the assessment of the soundness of a bank is influenced by the CAMELS factor (Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity to Market Risk). This study aims to examine the effect of Financing to Deposit Ratio (FDR) and Non Performing Financing (NPF) on Return On Assets (ROA) at PT. Mandiri Syariah Bank for the 2012-2019 period. The research method used is the type of quantitative and secondary data from the financial statements of PT. Bank Syariah Mandiri starting from the first quarter of 2012 to the fourth quarter of the 2019 period so that 32 samples of financial statements were collected. Based on the results of the study, it shows that the Financing to Deposit Ratio (FDR) and Non Performing Financing (NPF) simultaneously have a significant effect on Return On Assets (ROA), with a Fcount of 110.076 > Ftable of 4.17 and a significance of 0.000 <0.05, the results the coefficient of determination for the Adjusted R Square (R2) value is 0.876 or 87.6%, which means that Return on Assets (ROA) can be influenced by both variables, namely Financing to Deposit Ratio (FDR) and Non Performing Financing (NPF). While the remaining 12.4% is influenced by other factors outside the research model.
ANALISIS MANAJEMEN RISIKO PEMBIAYAAN PRODUK CICIL EMAS PADA BANK SYARIAH MANDIRI KANTOR CABANG PEMBANTU BOGOR JALAN BARU Anisa Rahman; Rully Trihantana; Ria Kusumaningrum
SAHID BANKING JOURNAL Vol 1 No 02 (2022): Mei 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (68.38 KB) | DOI: 10.56406/sahidbankingjournal.v1i02.38

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concerning Implementation of Risk Management for Islamic Commercial Banks (BUS) and Sharia Business Units (UUS), and the solutions provided to the risks that occur at BSM KCP Bogor Jalan Baru. This study uses a qualitative approach, with the type of qualitative descriptive research. The data used in this study were obtained from observations at the research site, direct interviews with relevant sources at BSM KCP Bogor Jalan Baru. The results of this research show: First, the application of risk management for gold installment financing products at BSM KCP Bogor Jalan Baru is carried out in 4 stages, namely: identification, measurement, monitoring, and risk control. Second, the implementation of risk management carried out by BSM KCP Bogor Jalan Baru is in accordance with POJK Number 65/POJK.03/2016. Third, the highest risk that occurs in gold installment financing products is credit or financing risk, so the solution is that banks must pay more attention to the risk identification stage, especially analysis on the 5C aspect.
ANALISIS 3R PADA PEMBIAYAAN KREDIT PEMILIKAN RUMAH (Studi Bank Tabungan Negara Kantor Cabang Syariah Bogor) Fitri Nur Anggraeni; Rully Trihantana; Ria Kusumaningrum
SAHID BANKING JOURNAL Vol 1 No 02 (2022): Mei 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (68.393 KB) | DOI: 10.56406/sahidbankingjournal.v1i02.41

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This research is motivated by the frequent occurrence of arrears in the payment of mortgage customer housing loans (KPR). . One of the principles used by banks in assessing whether or not a prospective customer is feasible or not is the 3R analysis (Return, Repayment, Ability to Bear Risk). The purpose of this study was to analyze the 3R factors in the provision of mortgage financing to customers in a study at the State Savings Bank Bogor Sharia Branch Office (BTN KCS Bogor). The method used in this research is descriptive qualitative. The data collection method was carried out using observation, interview and documentation techniques at BTN KCS Bogor. The results of the study show that the 3R factor analysis has been used by BTN KCS Bogor to provide credit. And in the KPR financing assessment mechanism at BTN KCS Bogor using 3R analysis, each has a sharia basis, both taken from the Qur'an and Hadith.
SISTEM PELAYANAN NASABAH PRIORITY DITINJAU DARI PERSPEKTIF EKONOMI ISLAM (Studi Di Bank Syariah Mandiri Kantor Cabang Pembantu Bogor Jalan Baru) Novi Fransiska; Rully Trihantana; Ria Kusumaningrum
SAHID BANKING JOURNAL Vol 1 No 02 (2022): Mei 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (68.389 KB) | DOI: 10.56406/sahidbankingjournal.v1i02.44

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This research is motivated by the existence of Bank Syariah Mandiri, apart from being a means of accommodating the interests of the Indonesian people, especially Muslims, there is also an important goal, which is to be of benefit to all levels of society. Bank Syariah Mandiri has a product, namely BSM Prioritas, where the services provided to BSM Prioritas customers get privileges from bank officers or better known as getting excellent service (service excellent). This research was conducted at Bank Syariah Mandiri KCP Bogor Jalan Baru which is located at Jl.K.H Sholeh Iskandar No.77 A Bogor (16164). This research took place from October to December 2019, the authors are interested in conducting this research to find out: how is the customer service system prioritized from an Islamic economic perspective, how are the services provided by bank officers to their customers, both Regular customers and Priority customers, and how how to view the Islamic economy on the excellent service provided by Bank officers to Priority customers. To find out the problems in this study, the authors conducted qualitative research. The data collection method used in this research is by conducting interviews, observation and documentation. This data collection method is aimed at bank officers who usually serve priority customers directly. Interviews, observations and documentation were conducted in person on 4 December 2019 at the BSM Bogor Jalan Baru office. The analysis used in this research is descriptive qualitative. The results of the study show that Prima services are intended for Priority customers, there should be no difference between regular customers and Prioritas customers. However, when viewed from the basic value of Islamic Priority Banking services, there is no problem as long as it does not harm other parties and does not deviate from the provisions set by Allah SWT.
ASAS DEMOKRASI EKONOMI DALAM PERBANKAN SYARIAH DI INDONESIA Rully Trihantana; Muhamad Rizal; Abdul Kodir
SAHID BANKING JOURNAL Vol 1 No 02 (2022): Mei 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (68.387 KB) | DOI: 10.56406/sahidbankingjournal.v1i02.45

Abstract

This research is based on economic democracy and its relationship with Islamic banking. In fact, intermediation encouraged by Islamic banking can create an economic democracy capable of maintaining the continuity of people's lives and existing natural resources, as well as increasing the independence of the nation and state of the Republic of Indonesia. Improvements in the implementation of economic democracy in Islamic banking must continue to be made. The main problem in muamalah Islamic banking is the element of benefit. If there is a problem, then it is very possible that the transaction is allowed. Islamic banking must continue to strive to apply the best practice profit sharing system. Thus there is an optimization of the implementation of the principles of economic democracy through a profit sharing system in musyarakah and mudharabah contracts. Thus, Islamic banking intermediation with profit sharing has become the main type of financing and is the backbone of Islamic banking.
PERLINDUNGAN KONSUMEN PADA PRODUK KREDIT PEMILIKAN RUMAH DITINJAU DARI PERSPEKTIF ISLAM (Studi Di Bank Tabungan Negara Kantor Cabang Syariah Bogor) Siti Indah Dahlia; Rully Trihantana; Ria Kusumaningrum
SAHID BANKING JOURNAL Vol 1 No 02 (2022): Mei 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (68.385 KB) | DOI: 10.56406/sahidbankingjournal.v1i02.46

Abstract

This research is motivated by the importance of consumer protection for banking customers, especially housing. The purpose of this research is to find out the contract and mechanism of mortgage financing, the responsibility of bank BTN as a provider of mortgage products, and whether there are Islamic values in consumer protection at Bank BTN Syariah KC Bogor. This research was conducted at Bank BTN Syariah KCS Jalan Jendral Sudirman Bogor. This research is qualitative and the data collection method is by conducting interviews, observation and documentation at BTN KCS Bogor. The analysis used in this research is descriptive qualitative. The results of the study show that the contracts used in mortgage financing at Bank BTN KCS Bogor are murabahah and wakalah. Consumer protection still needs to be improved.
Co-Authors Abad, Geopani Abdul Kodir Abdurrahman, Rivan Adjriel Hedriawan Alfi Ramadayanti Alfiani, Rani Amelia Oktaviani Amelia Oktaviani, Amelia Ananda, Della Rizki Anas Alhifni Andri Brawijaya Anggi Muhamad Fahrudin Anisa Rahman Anwar, Miftakhul Aprilia Bayu Purnama Bayu Purnama Putra Bayu Purnama Putra Dewi, Langling Yunia Dhea Nurfauziah Dianita, Mia Dina, Putri Mey Efendi, Ramdan Elisa Rahman Ermi Suryani Ermi Suryani Ermi Suryani Fadilah, Hafid Fajriastuti, Virda Fariz Fajar Riyadi Fariz, Muhamad Andi Fitri Nur AnggraenI Fitria Setia Rahman Fitria, Meliana Geopani Abad Harahap, Ermi Suryani Harahap, Nur Hotia Hasbi Ash Shiddieqy Hedriawan, Adjriel Hinka Lutfiah Irhamna, Wahyu Irpan Maulana Iskandar, Lina Istianah Khoeriyah Jamaludin R Jamhur, Mulyaningsih Keris Kartono Khoiri, Abdul Konita Oktaviani Lutfiyah Kusuma Tabriziah, Siti Ningrat Kusumaningrum , Ria Langling Yunia Dewi Lisdayanti, Dina Lusita Lutfiyah, Konita Oktaviani M Rofi Udin N.F. M. Reza Nurapriajul Mardiana Yose ME, Azizah Mursyidah Meizia, Revanda Shiva Melinasari, Susi Miftakhul Anwar Miftakhul Anwar Mirnawati, Siti Mohamad Kharis Mubarok Mohammad Husen Muhamad Djedjen Syukrilah Muhamad Rizal Muhammad Idris Muhammad Idris Muhammad Rifal Arrifqi MUHAMMAD RIZAL Mulniasari, Nina Mulyaningsih Jamhur Mursyidah, Azizah Muttaqin, Rizal Nadia Febtianda Nanda Suganda Nia Oktaviani Nina Mulniasari Noni Alpiani Novi Fransiska Nugraha, Gilang Pratama Nurandika Maulana Rachman Nurapriajul Kurnaen, Muhamad Reza Nurfauziah, Dhea Nurhasan, Abdul Khodir Oktavia, Tasya Audina Paramita, Metti Prasetya, Bagas Dwi Prasetya, Setiawan Bima Purnama , Bayu Putirai, Riki Putri, Febi Rahayu Rafiduddin Rahman, Elisa Rahman, Fitria Setia Ramadayanti, Alfi Ramadhan, Rian Tri Rani Alfiani Ratu Dinny Ratu Dinny Fauziah Ria Kusumaningrum Ria Kusumaningrum Ria Kusumaningrum Ria Kusumaningrum Ria Kusumaningrum Ria Kusumaningrum Rivan Abdurrahman Riyadi, Fariz Fajar Sakilah, Ilah Salam Santi Nopita Sari Santika, Ika Sari, Restia Rahma Siska Afriani Siska Oktavia Siska Oktavia Siti Aliah Siti Indah Dahlia Siti Mirnawati Siti Wadiah Sofiah, Neng Siti Sofiah, Neng Siti Sri Hartati Mulya Sundari, Deoh Suryani, Ermi Susi Melinasari Sutriansyah, Mohamad Syamsiah, Yayah Syamsiar, Syamsiar Syukrilah, Muhamad Djedjen T Rifqy Thantawi Tasya Audina Oktavia Taufik Hidayatullah, Taufik Thantawi, Tubagus Rifqy Trisia Amalia Tubagus Rifky Thantawi Tubagus Rifky Thantawi Tubagus Rifqy Thantawi Tulhuda, Basit Udin N.F., M Rofi Wadiah, Siti Widi Lestari Yose, Mardiana Zulkarnaen, Muhammad Ryandika