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All Journal NISBAH: JURNAL PERBANKAN SYARIAH JURNAL SYARIKAH : JURNAL EKONOMI ISLAM QARDHUL HASAN: MEDIA PENGABDIAN KEPADA MASYARAKAT Sahid Development Journal: Jurnal Pengabdian Kepada Masyarakat Perbankan Syariah Sahid Banking Journal Sahid Business Journal: Jurnal Penelitian Manajemen Bisnis Syariah: Program Studi Manajemen Bisnis Syariah Sahid Empowerment Journal: Jurnal Pengabdian Kepada Masyarakat Manajemen Bisnis Syariah

Thantawi, Tubagus Rifqy

Insitut Agama Islam Sahid Bogor

Author-ID : 872292

Religion Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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ANALISIS KOLEKTIBILITAS PEMBIAYAAN MURABAHAH PADA BANK SYARIAH MANDIRI KANTOR CABANG PEMBANTU BOGOR SUDIRMAN Dinda Mutiara Rizki; Tubagus Rifqy Thantawi; Miftakhul Anwar
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Abstract This research is motivated by the interest of researchers to explore the collectibility level of murabahah contract financing, especially at Bank Syariah Mandiri Bogor Sudirman Branch Office. The higher the murabahah contract financing at Bank Syariah Mandiri Bogor Sudirman Branch Office, it will result in an increase in murabahah receivables and affect the collectibility level of murabahah receivables every year. If there is non-performing financing (NPF), it will disrupt the collectibility level. Meanwhile, the murabahah contract is still the most popular contract in the financing process of Bank Syariah Mandiri Bogor Sudirman Branch Office. This research is qualitative. The analysis used in this research is descriptive qualitative. The results showed that the Bank Syariah Mandiri Bogor Sudirman Branch Office had complied with the provisions in the Bank Indonesia Regulations and the Financial Services Authority Regulations in terms of murabahah contract financing. The collectibility level of Bank Syariah Mandiri Bogor Sudirman Branch Office is always at a safe level with a non-performing financing (NPF) value below 5%, which is 3.51% at the time of this research.

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI AKSESIBILITAS UMKM TERHADAP PRODUK PEMBIAYAAN DI BANK UMUM SYARIAH (Studi Pada Kecamatan Pamijahan Kabupaten Bogor, Jawa Barat) Anita; Tubagus Rifqy Thantawi; Ermi Suryani
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

ABSTRACT In Indonesia, Micro, Small and Medium Enterprises (MSMEs) have an important role as the backbone of the Indonesian economy. In developing their business, SMEs are faced with several problems. Among them are low human resources, limited facilities and infrastructure, technology, the main factors that hinder the development of MSMEs are the lack of capital and limited access to finance. The MSME development process automatically requires a lot of funding, so many MSMEs finance through bank loans. This study aims to analyze the factors of education level, business experience, business turnover, compliance with paying income tax, total assets and type of business to affect the accessibility of MSMEs to financing products in Islamic banks. This type of research is quantitative research, taking a sample of 150 respondents using the Tabachic & Fidell technique, the sampling technique using simple random sampling technique. Methods of data analysis using multiple linear regression. The results of the t test showed that each independent variable, namely education level, business experience, had no positive and significant effect. Meanwhile, business turnover, compliance with paying income tax, total assets and type of business partially have a positive and significant effect. The results of the F test indicate that there is a positive influence simultaneously between the variables of education level, business experience, business turnover, compliance with paying income tax, total assets and type of business on accessibility.

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MASYARAKAT MENGAJUKAN PEMBIAYAAN KPR DI BTN SYARIAH (Studi Pada Kasus di Kecamatan Pamijahan Kabupaten Bogor, Jawa Barat) Hesti Safitri; Tubagus Rifqy Thantawi; Ermi Suryani
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Abstract Owning a home is a basic human need that must be met. This is where Islamic banks provide. As a result, Islamic banks provide a variety of housing finance (KPR) in accordance with Islamic principles, which can be selected according to the needs of the community. By offering different prices, strategic housing with industrial and economic centers as well as promotional activities can attract public interest in sharia financing through the sharia banking system. the research aims to find out whether the product, price, location, promotion, religious belief, knowledge, administrative costs, service quality, and economic capacity are positive for the benefit of the community applying for Islamic mortgage financing. This type of research is quantitative research conducted using data collection methods using raw data obtained through a questionnaire survey. The sample size is 100. The hypothesis testing method is multiple linear regression, t-test, f-test, and the coefficient of determination (adjusted R-squared). The results showed that product tcount was 2.506 > t table 1.98447, sig value was 0.014 <0.05, price tcount was 3.119 > t table 1.98447, sig value was 0.002 <0.05, and promotion had a tcount value 2.167 > t table 1.98447, sig value 0.033 <0.05, tcount service quality 2.012 > ttable 1.98447, sig value 0.047 <0.05, tcount economic capacity 3.69 > ttable 1.98447, t sig value is 0.000 <0, 05, so it can be concluded that the variables of product, price, promotion, service quality and economic capacity will affect people's interest in applying for Sharia KPR. Locality, religion, knowledge and administrative costs do not affect people's interest in applying for sharia mortgage funds. The variables of product, price, location, promotion, religious belief, knowledge, administrative costs, quality of service, and economic capacity all influence societal interests at the same time. The sig value of Fcount>Ftable (23.318>2.04) is 0.000 <0.05. Adjusted R-squared value = 0.670 or 0.67%, and the remaining 3.3% is influenced by other factors.

ANALISIS PEMBIAYAAN BSM IMPLAN PNS (Studi Pada Bank Syariah Mandiri Kantor Cabang Pembantu Bogor Sudirman) Diana Debora; Tubagus Rifqy Thantawi; Ermi Suryani
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Abstract This research is motivated by the development of BSM Implant financing which is increasing in line with the increasing level of consumption needs of civil servants. BSM Implan PNS Financing is a leading financing product at the moment, where this product is a sharia concept financing using a Murabahah contract that is offered to civil servants who need funds. Good for multipurpose financing, education, and home renovations. In providing BSM financing, KCP Bogor Sudirman has procedures that must be followed by customers, it is necessary to analyze BSM Implant financing, such as how the BSM Implant financing procedure flows, what obstacles are experienced in the BSM Implant financing process and what are the views of Islamic law on Implant financing BSM. This research is qualitative in nature and the data collection method is by conducting interviews. This data collection method was carried out at Bank Syariah Mandiri KCP Bogor Sudirman, the analysis used in this study was descriptive qualitative. The results of the study show that the flow of financing procedures is the first process that must be considered and carried out by the company to determine the initial steps of the financing process, such as what BSM Implant financing requirements must be met by customers. With this financing, it is hoped that good communication will be established between the bank and the customer. In carrying out the BSM Implant financing process, there are several obstacles encountered in the BSM Implant financing implementation process, namely the initiation process, the verification process, the contract/agreement process, and the disbursement process. And according to Islamic law, the implementation of BSM implant financing at Bank Syariah Mandiri KCP Bogor Sudirman is in line with Islamic law. This is corroborated by DSN MUI Fatwa No: 04/DSN-MUI/IV/2000 concerning Murabaha which states that this guarantee is permissible and strengthened by DSN Fatwa No: 44/DSN-MUI/VII/2004 concerning multilingualism.

PENGARUH KOMITMEN MANAJEMEN PUNCAK DALAM KUALITAS PELAYANAN BPRS TERHADAP KEPUASAN NASABAH [Studi Pada BPRS Botani (Bina Rahmah) Dramaga Bogor] Pitria Ningsih; Tubagus Rifqy Thantawi; Ermi Suryani
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

ABSTRACT One of the bank's problems is regarding service. The investigative questions include: 1) Does the customer service, counter and marketing of BPR Syariah together contribute to customer satisfaction? 2) Does the top management's commitment to BPR Syariah Botani service quality provide satisfaction for satisfaction? The aims of this research are: 1) To find out the effect of customer service, counter and BPRS marketing on sales satisfaction. 2) Prioritizing top management commitment to service quality of BPR Syariah Botani for credit satisfaction. This study uses quantitative analysis and the analysis used is multiple linear regression. The sampling technique used is simple random sampling. The research sample used was BPRS Botani and 100 respondents from the general public. The results of this study indicate that the adjusted R-squared value is 0.607 (60.7%). Priority satisfaction for CS, counter and marketing is 60.7%. The remaining 39.3% is approved by factors other than model. Thus the research hypothesis "There is an influence between customer service, over the counter service and marketing service on customer satisfaction of the Sharia Botanical Financing Bank" is accepted. The proposal for BPR Syariah Botani is the recovery rate for vocational training for BPRS employees, particularly in the service sector. Because it can increase satisfaction in terms of service and attract potential customers to do business with the bank. For visitor satisfaction, based on three data variables, respondents agree that the average is +4.

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MAHASISWA INSTITUT AGAMA ISLAM SAHID INAIS BOGOR MENABUNG DI BANK BNI SYARIAH Heri Ilham Nasrudin; Tubagus Rifqy Thantawi; Ermi Suryani
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Abstract The results of this study are to find out what factors influence and how much interest in Bank BNI Syariah. The benefits of increasing knowledge and getting to know what products are in BNI Syariah for INAIS students and increasing funding and credit at Bank BNI Syariah, quantitative methods with deductive theory, with descriptive statistics online questionnaires to test data, nonprobability sample research sampling with purposive sampling Tabhacic & Fiedell techniques and approaches. This research is supported by a thesis from Yayan Fauji 2010 which states that what influences the intention to save in Islamic banking is the profit sharing ratio and the quality of Islamic banking products. Some other findings that are not in line with this research regarding the factors that influence the intention to save at Islamic Banks, The 2018 Uniyanti's thesis states that what influences the intention to save at Islamic Banks is the factor of religion and pocket money income. . The results of this study used a linear regression test, partial T test, then t-table with a two-way test and α = 5% (0.05) is 1.97944. Then t count on the variable X1 Religion 1.293, X2 Knowledge 0.984, X3 Economic Ability of Parents 0.361, Promotion of Islamic Banks 1.367, Existence of Facilities 1.758, and Administrative Costs 1.549 less than t table. Thus Ho's decision is accepted by Ha is rejected. This means that there is no influence and not significant (not real) from the 6 variables. The influence of the 7 variables is only the profit sharing ratio of 2.389 so that Tcount is greater than Ttable. So thus Ho's decision is rejected and Ha is accepted. This means that there is significant influence and profit sharing ratio (real) on students' interest in saving at Bank BNI Syariah. Looking at the partial t test with a constant B of 1.850 which affects the interest in saving INAIS students at Bank BNI Syariah is the profit sharing ratio variable with a value of 0.226 using a two-way test α = 5% (0.05) of 1.97944, then the Constant B+ value If the ratio value is around 2.076, then the number of INAIS students who are interested in Bank BNI is around 0.02%, so that 9.93% of students are not interested in saving at Bank BNI Syariah.

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT ANGGOTA KEPOLISIAN UNTUK MENABUNG DI BANK SYARIAH (Studi Pada Markas Kepolisian Resor Bogor Sektor Gunung Putri) Zenal Mustakim; Tubagus Rifqy Thantawi; Azizah Mursyidah
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

ABSTRACT The existence of the police is very closely related to society. Seeing that some people, including the police, still think that saving in Islamic banks and conventional banks is the same, due to the lack of socialization and public education to provide knowledge and understanding to the community, so that people know about the concepts, mechanisms, products, in terms of Islamic banking so they have the right information. Enough about Islamic banking financial institutions. The research method used in this study is field research (Field Research) with quantitative methods, namely the data obtained in the form of numbers that are calculated related to the problem under study. Service variables, Islamic banking products and religiosity together have a positive and significant effect on the interest of Polri members to save in Islamic banks. This is obtained from the tcount value of each variable and the F test results of 148.703 and the coefficient of determination (R2) of 0.925. The results that the author has done show that service factors, Islamic banking products and religiosity influence the interest of members of the Gunung Putri Bogor Police to save at Islamic banks. The factor that is more dominant in influencing the interest of Polri members is service.

ANALISIS PENGARUH BAURAN PEMASARAN TERHADAP MINAT MASYARAKAT DALAM PEMBIAYAAN RUMAH DENGAN PRINSIP SYARIAH Aliya Cahyani Purnaed; Tubagus Rifqy Thantawi; Ermi Suryani
SAHID BANKING JOURNAL Vol 1 No 02 (2022): Mei 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Owning a home is a need and a dream for every human being, with a home the family will grow well in it. Like a mirror in the house is a reflection of the human person. Owning a home can go through the world of Islamic banking, and Islamic banking must be able to attract people's interest in using its products. By providing a variety of prices, strategic housing with industrial and economic centers, as well as promotions that have been carried out are able to attract public interest in financing based on sharia principles through the world of sharia banking. This study aims to analyze the factors of product, price, place, promotion of public interest in home financing with sharia principles. This type of research is quantitative and the data collection method uses primary data obtained through questionnaires. Sampling of 100 respondents using the Tabachic and Fidell techniques, the sampling technique used simple random sampling technique. The method used to test the hypothesis is multiple linear regression, t test, f test and the coefficient of determination (adjusted R square). The results of this study indicate that price, place, and promotion affect people's interest in home financing with sharia principles. Meanwhile, these products have no effect on people's interest in home financing with sharia principles.

TINJAUAN HUKUM ISLAM TERHADAP BIAYA ADMINISTRASI PADA PEMBIAYAAN PENSIUNAN (Studi Kasus Di Bank Syariah Mandiri Kantor Cabang Pembantu Bogor Dramaga) Adi Nugraha Wijaya; Tubagus Rifqy Thantawi; Azizah Mursyidah
SAHID BANKING JOURNAL Vol 1 No 02 (2022): Mei 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

This research is motivated by the existence of Bank Syariah Mandiri as one of the pioneers of the Islamic economy, as well as a means of accommodating the interests of the Indonesian people, especially Muslims whose goals can be realized by the Indonesian people. Bank Syariah Mandiri (BSM) has one product, namely the BSM Pension, where this product is a financing product specifically for retired State Civil Apparatuses. This research was conducted at the Sub-Branch Office of Bank Syariah Mandiri Bogor Dramaga which is located at Jl. Officer No. 151 Dramaga-Bogor (16680). This research took place from February to July 2020, the authors were interested in conducting this research because pension financing customers were burdened with administrative costs by the bank, the authors wanted to find out how the perspective of Islamic law was in taking these administrative costs. , 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 directly serve retirees. Interviews, observations and documentation were carried out in person on March 18 2020 at the Bank Syariah Mandiri office, Dramaga Bogor Sub-branch Office. The analysis used in this research is descriptive qualitative. The results of the study show that taking administrative fees is permitted in accordance with the provisions of the DSN-MUI Fatwa Number 19/DSN-MUI/IV/2001 concerning Al-Qardh that the cost of the filing process is charged to the customer, provided that there must be certainty about what fees are used. During the application process, administration fees are taken at a reasonable rate so that they do not burden the customer, and do not make administrative costs a source of bank income.

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MASYARAKAT MENGAJUKAN PEMBIAYAAN DI BANK PEMBIAYAAN RAKYAT SYARIAH BOTANI DRAMAGA (Studi Kasus Kecamatan Ciampea Kabupaten Bogor) Bunga Hidayatunnisa; Tubagus Rifqy Thantawi; Ermi Suryani
SAHID BANKING JOURNAL Vol 1 No 02 (2022): Mei 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Basically, people who start a business tend not to have initial capital to start their business.because the economic conditions of the people in Ciampea District, Bogor are still low, withthe existence of Islamic People's Financing Banks (BPRS) to help people start their businesses anddevelop what they want. they dream of owning a business by applying for sharia financing to aBPRS, therefore BPRS must be able to attract public interest to apply for sharia financing. Based onreligiosity, good service quality, low public knowledge of the financial institution itselfadministrative costs, attractive promotions, and can adjust economic capabilitiespublic. This study aims to analyze the factors of religiosity, quality of service, publicknowledge, administrative costs, promotion and economic capacity to influence the public interestin applying for financing at BPRS Botani. This type of research is quantitative research andMethods of data collection using primary data obtained through questionnaires. Sampling amounted to 75 respondents, the technique of determining the sample using simple random samplingtechnique. The method used to test the hypothesis is multiple linear regression, t test, and f testcoefficient of determination (adjusted R square). The results of this study indicate that economic ability affects people's interest in applying for financing at BPRS Botani. Meanwhile, religiosity, service quality, public knowledge, administration costs, and promotions do not affect public interest in applying for financing at BPRS Botani.

Co-Authors Abdul Rohim Ade Yuspardiansyah Adi Nugraha Wijaya Agung Mubarok Alfi, Rian Alfiani, Rani Alfiansyah Aliya Cahyani Purnaed Alviani, Siti Novia Amalia Anas Alhifni Andri Brawijaya Andriyansyah Anita Annisa Aprilia Anwar, Miftakhul Astuti, Riani Azizah Mursyidah Azizah Mursyidah Azizah Mursyidah Balqis, Syafira Laras Bayu Purnama Putra Bayu Purnama Putra Bayu Purnama Putra Bayu Purnama Putra, Bayu Purnama Bunga Hidayatunnisa Chusmita, Lina Ade Damayanti Dede Ririz Derika Rudianto Destriana Maulani Devi Andriani Dewi Amalia Dewi Purwati Diana Debora Dinda Rizki Tiara Ega Oviani Eneng Kurniasih Ermi Suryani Ermi Suryani Fadilah, Hafid Fadilah, Muhamad Ichsan Faiz, Marcelino Farhan Zaini Tamam Fatmawati Agustina Fauzi Rahman, Muhammad Wildan Firdaus, Herlan Fitri Ali Rahmayani Fitri Handayani Fitriah Gilang Permana Putra Hanifah, Ilham Mohammad Harly Setiawan Hasanah, Siti Rohmatun Hasbi Ash Shiddieqy Heri Ilham Nasrudin Heryanti, Riani Hesti Safitri Hidayatullah, Arief Hilal Luddin Imanudin , Teguh Imanudin, Teguh Ismatul Khoer Jayanti Tresna, Putri Dwi Kautsar, Hilal Fadillah Khoiri, Abdul Khopifah, Nur Kurniasih, Eneng Lina Ade Chusmita Lukman Hakim Ma’arif, Muhamad Syamsul ME, Azizah Mursyidah Melinasari, Susi Miftakhul Anwar Miftakhul Anwar Miftakhul Anwar Mohamad Kharis Mubarok Mohamad Kharis Mubarok Mohammad Kharis Mubarok Mubarok, Mohamad Kharis Mubarok, Muhammad Kharis Mugi Komara Baibars Muhamad Ismail Muhamad Ismail Muhammad Hamdani, Muhammad MUHAMMAD RIZAL Mumtazah , Naura Tanzilia Munandar Mursyidah, Azizah Niswatin Nur Khopifah Nuralfiah, Siti Nurhasan, Abdul Khodir Nurlaelia, Widia Afria Oktavani, Sella Oviani, Ega Paramita, Metti Permana, Lala Pitria Ningsih Prasetya, Bagas Dwi Pulungan, Adilah Rahma Purnama , Bayu Purnama Putra Purnama Putra Putri, Febi Rahayu Putri, Yulia Kania Rahmayani, Fitri Ali Ramdani, Nasrul Rian Alfi Riani Heryanti Ridhatillah Rosamalinda Nasution Risnawati Rizki Rudianto, Derika Saepul Ambri Sakilah , Ilah Sakilah, Ilah Salsabila, Verlya Setiawan, Harly Shinta Suhartini Sholihin, Irfan Taufik Siti Novia Alviani Sugiarto, Rendi Suhartini, Shinta Sundari, Deoh Suryani, Ermi Syaefudin Syafira Laras Balqis Syamsiar, Syamsiar Tamam, Farhan Zaini Taufik Hidayatullah, Taufik Tri Aditya Putra Trihantana, Rully Verlya Salsabila Vivih Sofianti Wida Khoiriyah Widia Afria Nurlaelia Wiji Lestari Yal Robiansyah Yulianti Indah Pertiwi Yuspardiansyah, Ade Yusuf Saefullah Zenal Mustakim

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