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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.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (655.908 KB) | DOI: 10.56406/sahidbankingjournal.v1i01.25

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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.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (565.74 KB) | DOI: 10.56406/sahidbankingjournal.v1i01.26

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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.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (68.398 KB) | DOI: 10.56406/sahidbankingjournal.v1i02.36

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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.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (68.399 KB) | DOI: 10.56406/sahidbankingjournal.v1i02.37

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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.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (68.392 KB) | DOI: 10.56406/sahidbankingjournal.v1i02.39

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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.
PENANGANAN KREDIT PEMILIKAN RUMAH SUBSIDI BERMASALAH PADA BANK SYARIAH DALAM PANDANGAN ISLAM (Studi Bank Tabungan Negara Kantor Cabang Syariah Bogor) Fatmawati Agustina; Tubagus Rifqy Thantawi; Miftakhul Anwar
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 (68.394 KB) | DOI: 10.56406/sahidbankingjournal.v1i02.40

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This research is motivated by the increasing demand for housing, but trying to get a house at this time is not an easy thing. The increasingly limited amount of land makes house prices increasingly expensive, especially for people with an average regional minimum wage income. BTN KCS Bogor hereby distributes its funds through subsidized mortgage financing. The amount of funds disbursed by BTN KCS Bogor is relatively high enough that the bank has the risk of non-performing financing. Efforts need to be made to deal with problem financing carried out by BTN KCS Bogor which is different from conventional BTN, namely handling problem financing according to sharia values. This research is qualitative in nature and the data collection method is by conducting interviews at PT BTN-KCS Bogor. The analysis used in this study is a qualitative descriptive analysis. The results show that the handling of problematic financing at BTN KCS Bogor is in accordance with Bank Indonesia and the Financial Services Authority regulations, and Islamic values
ANALISIS PEMBIAYAAN KREDIT PEMILIKAN RUMAH SYARIAH BAGI NASABAH BERPENGHASILAN RENDAH (Studi Kasus Di Bank Syariah Mandiri Kantor Cabang Pembantu Bogor Pomad) Hilal Luddin; Tubagus Rifqy Thantawi; Azizah Mursyidah
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 (68.394 KB) | DOI: 10.56406/sahidbankingjournal.v1i02.42

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The background of this research is the primary need in the form of a house, but until now it has not been fulfilled. Houses are very difficult to obtain for low-income people, even though there are already many financial institutions that can make it happen in fulfilling housing needs for low-income people. There are limitations set by financial institutions, one of which is a limit on the applicant's income, which adds to the difficulties mentioned above. Therefore, this problem is interesting to study, with the existence of a research problem formulation, namely how to analyze the financing of Sharia House Ownership Credit (KPR Syariah) for low-income customers (with case studies at Sharia Bank Bogor Pomad Mandiri Sub-Branch Offices or BSM KCP Bogor Pomad) . This research is a research field with qualitative methods of primary data, secondary data and interviews. The process of data analysis in this study uses descriptive analysis
PENGARUH PEMBIAYAAN BERMASALAH DAN LIKUIDITAS TERHADAP PROFITABILITAS BANK PEMBIAYAAN RAKYAT SYARIAH KABUPATEN BOGOR STUDI DATA OTORITAS JASA KEUANGAN TAHUN 2017-2019 Lukman Hakim; Tubagus Rifqy Thantawi; Miftakhul Anwar
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.v1i02.43

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This study aims to determine the effect of Non-Performing Financing (NPF) and Liquidity (CR) Profitability (ROA) in BPRS Bogor Regency for the 2017-2019 Period Financial Review of Service Authority Data (OJK). The samples used in this study were 48 samples. Collecting data in this study using purfosive sampling method with the understanding that the data collected is predetermined data. The data analysis technique used is multiple linear regression analysis. The results of this analysis indicate that NPF and CR have a significant effect on ROA.
JUAL BELI EMAS SECARA KREDIT MENURUT PERSPEKTIF HUKUM ISLAM (Studi Bank Syariah Mandiri Kantor Cabang Pembantu Bogor Sudirman) Wida Khoiriyah; Tubagus Rifqy Thantawi; Ermi Suryani
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.v1i02.47

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Buying and selling gold on credit is a contract of transferring assets in the form of gold from one person to another which is done by credit. This study aims to analyze the practice of buying and selling gold on credit in Gold Installment Financing products at Bank Syariah Mandiri KCP Bogor Sudirman and to analyze how the law is buying and selling gold on credit according to the perspective of Islamic law. This research is included in the type of descriptive qualitative research, by reviewing various kinds of literature and criticizing the problems that exist in the field of sales and contract sales carried out on credit in the context of gold as currency. Then the sale and purchase of gold is only allowed to trade gold when the contract is cash and the value is the same, but if the status of gold is a commodity then buying and selling gold on credit is legally permissible.
ANALISIS NILAI-NILAI MANAJEMEN BISNIS SYARIAH MENGENAI PENGARUH JASA ENDORSER SEBAGAI MEDIA PROMOSI ONLINE DALAM MENINGKATKAN OMZET PERUSAHAAN Fitriah; Tubagus Rifqy Thantawi; Hasbi Ash Shiddieqy
SAHID BUSINESS JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Manajemen Bisnis Syariah: Program Studi Manajemen Bisnis Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (415.96 KB) | DOI: 10.56406/sahidbusinessjournal.v1i01.8

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Penelitian ini dilatar belakangi oleh perkembangan bisnis yang begitu cepat membuat persaingan didunia bisnis begitu pesat. Sehingga mendorong pelaku bisnis untuk berupaya menarik konsumen dalam meningkatkan penjualan. Salah satu cara yang dilakukan adalah menerapkan jasa endorser sebagai media promosi online melalui media sosial Whatsapp, Instagram, Facebook, Twitter dan Instagram sebagai dalam meningkatkan omzet perusahaan. Jenis penelitian ini yaitu dengan menggunakan penelitian kuantitatfif yang menggunakan skala likert, dengan jumlah sampel 50 responden. Teknik pengambilan sampel menggunakan teknik Random Sampling dengan metode Tabachic & Fidell. Metode analisis yang digunakan dalam penelitian ini yaitu dengan analisis regresi linear berganda (multi linear regression) dengan menggunakan Software IBM Statistical Package for Social Sciences (SPSS) Versi 16. Hasil penelitian ini menunjukan pengaruh omzet perusahaan yang terdiri atas whatsapp, instagram, facebook, twitter dan youtube secara bersama-sama memiliki pengaruh nyata dan positif. Namun lebih dominan instagram dan facebook yang berpengaruh nyata dan positif terhadap kenaikan omzet perusahaan, dengan nilai koefisien regresi variabel sebesar 0.564 yang artinya jika Instagram mengalami kenaikan satu satuan, maka nilai omzet perusahaan akan naik sebesar 0,564. Peningkatan nilai-nilai Instagram mendorong peningkatan dalam omzet perusahaan .nilai koefisien regresi variabel sebesar 1.007 yang artinya jika Facebook mengalami kenaikan satu satuan, maka nilai omzet perusahaan akan naik sebesar 1.007. Peningkatan nilai-nilai Facebook mendorong peningkatan dalam omzet perusahaan.
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