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ANALISIS MINAT MASYARAKAT DESA PAMIJAHAN, DESA PASAREAN DAN DESA GUNUNG SARI KECAMATAN PAMIJAHAN KABUPATEN BOGOR MENGGUNAKAN APLIKASI MOBILE BANKING PADA MASA PANDEMI COVID-19 Ramadayanti, Alfi; Trihantana, Rully; Kusumaningrum , Ria
SAHID BANKING JOURNAL Vol 3 No 01 (2023): OKTOBER 2023
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i01.121

Abstract

This research aims to analyze and explain the physical variables distancing and stay at home variables affect or not affect partially public interest in using mobile banking applications during the Covid-19 pandemic and to analyze and explain physical distancing variables and stay at home variables influencing or not simultaneously influencing people's interest in using mobile banking application during the Covid-19 pandemic. The sample of this study was 348 respondents, namely the people of Pamijahan Village, Pasarean Village and Gunung Sari Village. This study uses quantitative methods with multiple linear regression analysis and data collection using a questionnaire. The results of this study are physical distancing and stay at home have a significant effect on partial to public interest in using mobile banking applications in the future Covid-19 pandemic and physical distancing and stay at home affect simultaneously public interest in using mobile banking applications during the Covid-19 pandemic.
FAKTOR – FAKTOR.YANG BERPENGARUH TERHADAP MINAT MENGGUNAKAN APLIKASI BERBASIS FINANCIAL TECHNOLOGY (FINTECH) DI DESA BARENGKOK, DESA PABANGBON DAN DESA LEUWIMEKAR KECAMATAN LEUWILIANG KABUPATEN BOGOR Hedriawan, Adjriel; Trihantana, Rully; Anwar, Miftakhul
SAHID BANKING JOURNAL Vol 3 No 01 (2023): OKTOBER 2023
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i01.123

Abstract

This research examines the factors of social influence, benefits, and security, in influencing or not influencing interest in using financial technology-based applications. This research uses quantitative methods. The population in this study were people in Barengkok Village, Pabangbon Village and Leuwimekar Village. The three villages are in Leuwiliang District, Bogor Regency. The sampling technique uses the Purposive Sampling method. The data used is primary data, namely using a questionnaire with a sample of 300 people. The results of this research show that social influence, benefits and security factors partially and simultaneously influence interest in using financial technology applications
ANALISIS PERBANDINGAN KINERJA KEUANGAN PT. BANK BRI SYARIAH DAN PT. BANK BNI SYARIAH PERIODE 2015-2019 Oktaviani, Amelia; Trihantana, Rully; Kusumaningrum, Ria
SAHID BANKING JOURNAL Vol 3 No 01 (2023): OKTOBER 2023
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i01.124

Abstract

In carrying out economic activities, people prefer to do it in healthy financial institutions (banks), so that a bank will better guarantee various forms of transactions or economic activities in the people who are its customers. Bank health assessment aims to determine whether a bank is in a healthy or unhealthy condition. To determine whether a bank is in a healthy or unhealthy condition, an assessment can be carried out through the Bank Health Level Assessment System. The health of banking financial institutions is in the interests of all parties involved, including bank owners and managers as well as service users or customers. Fluctuating profits from year to year at PT. BRI Syariah Bank and PT. BNI Syariah Bank has an impact on the good and bad of a bank's health and will also influence customers to use the bank's services, as well as investors who will invest their capital. Therefore, this research was created to determine the level of bank health using the CAMEL (Capital, Asset Quality, Management, Earning, and Liquidity) method and to determine the comparison of financial performance between BRI Syariah and BNI Syariah. The data analysis tool in this research uses quantitative descriptive analysis which takes data from the Annual Report of BRI Syariah and BNI Syariah from 2015 to 2019. Data processing uses analysis prerequisite tests (data normality test, multicollinearity test, autocorrelation test, heteroscedasticity test) and Hypothesis testing (independent sample t-test, partial test, simultaneous test, multiple linear regression test) with the help of the SPSS application program. The conclusion of this research is that there are several differences in the magnitude of the ratios between BRI Syariah and BNI Syariah seen from the results of the independent sample t-test, namely the average value of BRI Syariah CAR 21,968, KAP 1,038, NPM 4,700, ROA 5,574, FDR 78,612 and the average value -average BNI Syariah CAR 21,922, KAP 1,052, NPM 5,580, ROA 13,540, FDR 82,130. Thus, looking at the overall ratio value of the two banks, it can be concluded that BNI Syariah performed better than BRI Syariah from 2015 to 2019.
PENGARUH LITERASI KEUANGAN, ELECTRONIC MONEY, GAYA HIDUP, DAN KONTROL DIRI TERHADAP PERILAKU KONSUMTIF MAHASISWA PADA MASA PANDEMI COVID-19 Lisdayanti, Dina; Trihantana, Rully; Kusumaningrum, Ria
SAHID BANKING JOURNAL Vol 3 No 01 (2023): OKTOBER 2023
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i01.126

Abstract

Financial literacy is financial knowledge and financial literacy will help individuals organize personal financial planning, so that individuals can maximize the time value of money and the profits obtained by students will be greater and will improve their standard of living. In this regard, research was conducted on students at the Sahid Bogor Islamic Institute and the Ummul Quro Al-Islami Bogor Institute. This research method uses quantitative methods with multiple regression analysis. The research results show that financial literacy, lifestyle and self-control have a positive effect on students' consumptive behavior during the Covid-19 pandemic, while electronic money has no positive effect on students' consumptive behavior during the Covid-19 pandemic.
ANALISIS PERBANDINGAN KINERJA KEUANGAN ANTARA BANK MUAMALAT DAN BANK SYARIAH MANDIRI PERIODE 2015-2019 Nurfauziah, Dhea; Trihantana, Rully; Kusumaningrum, Ria
SAHID BANKING JOURNAL Vol 3 No 02 (2024): MEI 2024
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i02.150

Abstract

This study aims to determine the financial performance of Bank Muamalat and Bank Syariah Mandiri and to find out whether there is a significant difference between the financial performance of Bank Muamalat and Bank Syariah Mandiri for the period 2015 to 2019. The subjects of this study were Bank Muamalat and Bank Syariah Independent. In this study using comparative and quantitative analysis methods and using secondary data, namely financial reports and annual reports published in 2015-2019. The results of this study are that Bank Muamalat and Bank Syariah Mandiri have good financial performance when viewed through the CAR ratio while viewed through NPF and FDR, Bank Muamalat and Bank Syariah Mandiri have good financial performance. With this research, it can be concluded that Bank Muamalat and Bank Syariah Mandiri show very good financial performance when viewed in terms of CAR ratio while when viewed in terms of NPF and FDR ratios Bank Muamalat and Bank Syariah Mandiri show good financial performance and there are significant differences on the financial performance of Bank Muamalat and Bank Syariah Mandiri where based on the ratio test (ROA, ROE, DGR, LGR, CAR) the performance of Bank Syariah Mandiri as a whole is better than the performance of Bank Muamalat.
FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MASYARAKAT TERHADAP PEMBIAYAAN MITRA EMAS BANK JAWA BARAT SYARIAH KANTOR CABANG PEMBANTU JEMBATAN MERAH, KOTA BOGOR, JAWA BARAT Mulniasari, Nina; Trihantana, Rully; Kusumaningrum, Ria
SAHID BANKING JOURNAL Vol 3 No 02 (2024): MEI 2024
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i02.151

Abstract

This study aims to determine and analyze the influence of factors consisting of cultural, social, personal, psychological, reference, and economic factors on people’s interest in choosing Mitra Emas Financing at BJB Syariah KCP Jembatan Merah. The type of research used in this thesis is a quantitative methode. The processed data is in the form of partial and simultaneous data. Data analysis techniques used in this study using observation and questionnaires, data processing using SPSS. Based on the result of the study, it showed that culture ((X1), social (X2), personal (X3), psychological (X4), reference (X5), economics(X6), had an effect on Public Interest in BJB Syariah KCP Jembatan Merah Gold Partners Financing. This is evidenced by the value of t count > t table. Therefore ho is rejected and He is accepted. From the test results on the simultaneous research of cultural, social, personal, psychological, reference, and economic factors and real influence on people’s interest in gold partner financing. This is evidenced by the F count > F table (37.477 > 2.29) and the sig value of 0.000 < 0.05. So the calculation shows that the independent variables consist of culture, social, personal, psychological, reference, and economics.
ANALISIS PERAN PEMBIAYAAN USAHA MIKRO PADA USAHA MIKRO KECIL DAN MENENGAH DI BANK SYARIAH INDONESIA KANTOR CABANG PEMBANTU TAJUR, KOTA BOGOR, JAWA BARAT Rahman, Elisa; Trihantana, Rully; Suryani, Ermi
SAHID BANKING JOURNAL Vol 3 No 02 (2024): MEI 2024
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i02.152

Abstract

Bank Syariah Indonesia KCP Bogor Tajur 1 is one of the financial institutions that distributes People's Business Credit funds to MSMEs. This study aims to find out how the role of Bank Syariah Indonesia KCP Bogor Tajur 1 in providing financing for KUR funds during the Covid 19 pandemic to financing customers for MSME actors, and how the impact of People's Business Credit (KUR) funds on Micro Business actors. This research method is a type of qualitative research with a field research method approach (field research) which is the object of this research, na mely 4 KUR financing customers and 2 staff employees of Bank Syariah Indonesia KCP Bogor Tajur 1. The results of the research at Bank Syariah Indonesia KCP Bogor Tajur 1 played a role in MSME customers during the Pandemic, namely the existence of policies from the bank towards financing customers affected by the Covid - 19 pandemic who experienced congestion in payments, namely the addition of an installment period (restructuring), and the existence of increase in income and business development of financing customers after using KUR.
ANALISIS MINAT DAN PEMANFAATAN APLIKASI BERBASIS FINANCIAL TECHNOLOGY (FINTECH) PADA KARYAWAN BANK PEMBIAYAAN RAKYAT SYARIAH AMANAH UMMAH, KABUPATEN BOGOR, JAWA BARAT Riyadi, Fariz Fajar; Trihantana, Rully; Kusumaningrum, Ria
SAHID BANKING JOURNAL Vol 3 No 02 (2024): MEI 2024
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i02.154

Abstract

The presence of application-based Financial Technology (Fintech) Payment services is an innovation that makes it one of the supports in non-cash transactions and supports the National Non-Cash Movement (GNNT) which has been launched by Bank Indonesia (BI) since 2014. Fintech Payment has a portion greater usage than other Financial Technology services. The use of these services has increased during the COVID-19 pandemic because it can reduce physical contact between buyers and sellers during transactions. In 2021 the use of the DANA, OVO and GOPAY applications will be the highest used fintech payment applications and have the largest users on the island of Java, namely Jakarta, West Java, Central Java, Yogyakarta and East Java. Therefore an analysis is needed regarding the interest and utilization of financial technology-based applications. This research was conducted with the aim of knowing the factors and perceptions of BPRS Amanah Ummah employees about their interest in using the application. This research uses quantitative survey method. The technique used in collecting data by distributing questionnaires. The results of this study indicate that Perceived Convenience (X1), Perceived Usefulness (X2), and Perceived Trust (X3) influence the interest in using financial technology (fintech)-based applications (Y) by 70.1%. Meanwhile, the rest (29.9%) is influenced by other variables outside of this study. Perceived trust has a significant effect on interest in using financial technology (fintech)-based applications, while perceived convenience and perceived usefulness have no significant effect. So that if there is an increase or decrease in the level of trust in fintech payment services, this will be followed by an increase or decrease in interest in using fintech payments (DANA/OVO/GOPAY)..
ANALISIS PELAKSANAAN MONITORING NASABAH PEMBIAYAAN BANK PEMBIAYAAN RAKYAT SYARIAH AMANAH UMMAH, KABUPATEN BOGOR, JAWA BARAT, PADA MASA PANDEMI COVID-19 Rafiduddin; Trihantana, Rully; Kusumaningrum, Ria
SAHID BANKING JOURNAL Vol 3 No 02 (2024): MEI 2024
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i02.155

Abstract

Since the Covid-19 pandemic, the decline in business activities of BPRS Amanah Ummah customers has had an impact on the ability to pay installment obligations or the emergence of problematic financing. So that the financing monitoring process runs tighter than usual. The purpose of this study is to analyze and find out the course of financing monitoring activities at BPRS Amanah Ummah and how to resolve problematic financing. The research method used in this research is a qualitative method. Qualitative method is a research method that produces descriptive data in the form of written or spoken results from people or behavior that can see and pay attention to a research result. With this research it can be concluded that the financing monitoring function at the BPRS Amanah Ummah is running well. Because, even though we are in a pandemic, the NPF ratio is still within normal limits or 1% ≤, namely 3.74% in 2020 and 2.83% in 2021.
FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT PETANI KECAMATAN PAMIJAHAN, KABUPATEN BOGOR, JAWA BARAT, TERHADAP PEMBIAYAAN BANK SYARIAH Nurapriajul Kurnaen, Muhamad Reza; Trihantana, Rully; Kusumaningrum, Ria
SAHID BANKING JOURNAL Vol 3 No 02 (2024): MEI 2024
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i02.160

Abstract

Most of the Indonesian people carry out agricultural sector activities by relying on their own capital or funds. Lack of availability of capital for the agricultural sector will lead to a decrease in agricultural output. Therefore, the best alternative is the provision of capital in the form of Islamic bank financing for farmers in carrying out farming activities. The purpose of this study was to analyze the factors that influence the interest of rice farmers in Pamijahan District (Pamijahan Village, Cibunian Village, and Ciasihan Village) towards financing in Islamic banks with quantitative methods, primary data obtained from the results of distributing questionnaires to a sample of 78 respondents. The results showed 5 independent variables consisting of promotion, knowledge, income, education level, religiosity, variables that can affect farmers' interest, namely the knowledge variable with a tcount value of 2,945 > ttable 1,991. and the sig value is 0.004 < 0.05. Meanwhile, simultaneously the independent variables consisting of promotion, knowledge, income, education level, and religiosity have a positive effect on Islamic financing with a value of fcount > ftable (4.723 > 2.34) and a sig value of 0.001 < 0.05.
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