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ANALISIS PERAMALAN TABUNGAN HAJI PADA BANK BJB SYARIAH KANTOR CABANG PEMBANTU JEMBATAN MERAH BOGOR DI MASA PANDEMI COVID-19. Anwar, Miftakhul; Nurlaelia, Widia Afria; Thantawi, Tubagus Rifqy
SAHID BANKING JOURNAL Vol 2 No 02 (2023): MEI 2023
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v2i02.111

Abstract

Along with developments and people’s needs for banking services, Islamic bank produts are becoming more numerous and can accommodate people’s needs for banking services, one of which is hajj savings products and this study aims to analyze the forecasting of hajj savings at BJBS KCP Jembatan Merah Bogor bank during a pandemic Covid-19 in 2022-2023. The data produced by researchers are primary data based on data obtained from banks in the 2020-2021 period and secondary data used as a basis for comparison and discussion of past conditions and conditions to be forecasted. This research uses quantitative methods with time series analysis with a descriptive study approach, the types of forecasting used in this study are linear trends, quadratic trends and exponential trends. The results of this forecasting analysis show that based on the MSE value obtained by quadratic trends produce the smallest value, which means it has the lowest error tendency. Forecasting using quadratic trends predicts an increase in prospective Hajj savings customers at Bank BJBS KCP Jembatan Merah Bogor by an average of 12% in 2022 while the average increase in prospective customers in 2023 is 6%.
PENGARUH MUDHARABAH, MUSYARAKAH, DAN PEMBIAYAAN BAGI HASIL LAINNYA DALAM PEMBIAYAAN BAGI HASIL KEPADA BANK LAIN, TERHADAP LABA BERSIH BANK UMUM SYARIAH DAN UNIT USAHA SYARIAH PERIODE 2008-2021 Thantawi, Tubagus Rifqy; Damayanti; Putri, Febi Rahayu; Putri, Yulia Kania
SAHID BANKING JOURNAL Vol 2 No 02 (2023): MEI 2023
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v2i02.114

Abstract

The aim of this research is to find out whether Profit Sharing Financing to Other Banks in terms of Mudharabah, Musyarakah, and Other Profit Sharing Financing/Others, has a partial and simultaneous effect on Net Profit. Then, to find out what proposals there are for contracts regarding Profit Sharing Financing to Other Banks in terms of Mudharabah, Musyarakah, and Other Profit Sharing Financing, can have a better influence on Net Profit. Based on the analysis and discussion in this research, it can be concluded that the variable Profit Sharing Financing to Other Banks in terms of Mudharabah and Musyarakah and Other Profit Sharing/Others, does not have a partial effect on Net Profit, but has a simultaneous effect on Net profit.
ANALISIS EMPIRIK PENGGUNAAN INTERNET BANKING DAN MOBILE PHONE BANKING PADA BANK SYARIAH DAN KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH (KSPPS) PADA MASA PANDEMI COVID-19 Rahmayani, Fitri Ali; Thantawi, Tubagus Rifqy; 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.v3i01.115

Abstract

Technological developments that occur continuously affect service patterns in the banking word. Islamic bank and KSPPS in charge of collecting funds and redistributing them as well as serving various other banking transactions can now be done digitally through internet banking and mobile phone banking services. The trend of using internet banking and mobile phone banking services certainly helps the community in conducting transactions during the Covid-19 pandemic. Through this research, it is expected to be able to identify the factors that influence the use of internet banking and mobile phone banking during the Covid-19 pandemic. There are 7 factors studied, namely comfort and safety, literacy, design and features, cost, environment, circumstances/conditions and benefits. The sample was obtained from 15 villages in the Cibungbulang sub-district with 85 respondents. The data analysis method used in this study is the confirmatory factor analysis (CFA) method which was tested using SPSS. It is hoped that this research can be used as an additional reference for future research.
ANALISIS PERAMALAN JUMLAH TABUNGAN HAJI BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) AMANAH UMMAH PADA MASA PANDEMI COVID-19 Suhartini, Shinta; Thantawi, Tubagus Rifqy; Mursyidah, Azizah
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.v3i01.116

Abstract

This research was motivated by the Covid-19 pandemic which resulted in the Kingdom of Saudi Arabia restricting the pilgrims, and also suppressing the growth of Hajj savings in Indonesia. Therefore, the decline in economic growth due to the Covid-19 pandemic has increased the number of hajj cancellations and reduced the number of new hajj registrations. Forecasting is a method for estimating a future value using past data. This research was conducted at the Amanah Ummah BPRS which has a Hajj savings product, the forecasting is carried out using a linear trend mathematical equation model, a quadratic trend and an exponential trend. Choose the smallest method of the 3 methods because the smaller the forecast error value, the more accurate the results and can produce the optimal number. Mean Square Error (MSE) Linear trend of 73099,70379, Mean Square Error (MSE) of Quadratic Trend of 73140,71139 and Mean Square Error (MSE) of Exponential Trend of 74836,49328 From the selected forecasting results is Mean Square Error (MSE) Linear trend. And it was found that the total number of Hajj savings in December 2023 was 346,27222421 rounded up to 374.
TINJAUAN PERSPEKTIF SYARIAH TERHADAP PENGGUNAAN PINJAMAN ONLINE DI DESA PURWABAKTI, DESA CIASMARA DAN DESA CIASIHAN KECAMATAN PAMIJAHAN KABUPATEN BOGOR Rudianto, Derika; Thantawi, Tubagus Rifqy; Putra, Bayu Purnama
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.v3i01.119

Abstract

The aim of this research is to determine an overview of the sharia perspective on the use of online loans in Purwabakti Village, Ciasmara Village and Ciasihan Village, Pamijahan District, Bogor. The research method used is a quantitative method. Respondents with the object studied and the sample results obtained were 300 respondents. The sharia perspective in this case is represented by the variable Understanding Compliance with Islamic Sharia (X1), and the variable Compliance with the Prohibition of Usury and Loan Interest (X2). Both were studied to review the variable Use of Online Loans (Y). The results of this research state that the variable Understanding Compliance with Islamic Sharia (X1) has a significant effect on the Use of Online Loans (Y). Likewise, the variables Compliance with the Prohibition of Usury and Loan Interest (X2) have a significant effect on the Use of Online Loans (Y). However, the significant influence of the variable Understanding Compliance with Islamic Sharia (X1) and the significant influence of the variable Compliance with the Prohibition of Usury and Loan Interest (X2), on the Use of Online Loans (Y) is a positive influence. The results of research in Purwabakti Village, Ciasmara Village and Ciasihan Village, Pamijahan District, Bogor, can be a meaningful lesson to reduce the use of online loans which cause many problems in society.
ANALISIS IMPLEMENTASI AKAD SYARIAH DAN ETIKA BISNIS ISLAM PADA KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH (KSPPS) BAYTUL IKHTIAR CABANG CIPANAS KABUPATEN LEBAK TERHADAP LOYALITAS ANGGOTA Andriyansyah; Thantawi, Tubagus Rifqy; Putra, Bayu Purnama
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.v3i01.120

Abstract

Sharia Savings and Loans and Financing Cooperative (KSPPS) is a sharia financial institution that carries out productive business development and investment activities in improving the quality of economic and business activities for Micro, Small and Medium Enterprises (MSMEs), including channeling financing for economic and business activities, as well as encouraging savings. . As a sharia financial institution, KSPPS of course needs to use Islamic business ethics and sharia contracts in carrying out its daily activities both in the office work environment and when providing services to members. This research takes the example of KSPPS Baytul Ikhtiar which applies sharia contracts and Islamic business ethics. Based on the research results, there is an influence between sharia contract variables and Islamic business ethics on member loyalty.
PENANGANAN PEMBIAYAAN BERMASALAH PADA PEMBIAYAAN MURABAHAH DI KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH (KSPPS) KHAIRU UMMAH LEUWILIANG KABUPATEN BOGOR PADA MASA PANDEMI COVID-19 Yuspardiansyah, Ade; Thantawi, Tubagus Rifqy; Mursyidah, Azizah
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.v3i01.122

Abstract

This research aims to determine the causes of financing problems in murabahah contract financing during the Covid-19 pandemic. Then to find out the strategies used to handle problematic financing during the Covid-19 pandemic. Furthermore, to find out the efforts made by KSPPS Khairu Ummah Leuwiliang Bogor Regency in providing policies to murabahah contract financing customers who are affected by the Covid-19 pandemic. The data analysis method or technique used for this research is qualitative descriptive analysis techniques using the SWOT analysis approach. Based on the results of this research, the factors that cause problematic financing are internal factors such as weaknesses in analyzing financing, lack of supervision and monitoring of customer capabilities, and negligence by officers in setting risk standards when providing financing during the Covid-19 pandemic. External factors occur in the members themselves because they experience declining business conditions, and there is no good faith on the part of the members in delaying installment payments. The efforts provided by KSPPS Khairu Ummah Leuwiliang Bogor Regency to customers who experienced bad credit during the Covid-19 pandemic were a stay strategy and a phase out strategy.
ANALISIS PEMBUKAAN REKENING ONLINE TERHADAP KEPUASAAN NASABAH BANK SYARIAH INDONESIA KANTOR CABANG PEMBANTU DRAMAGA BOGOR Kurniasih, Eneng; Thantawi, Tubagus Rifqy; 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.v3i01.125

Abstract

Online account opening is regulated in Financial Services Authority Regulation (POJK) Number 12/PJOK03/2018 concerning the Implementation of Digital Banking Services by Commercial Banks. The Financial Services Authority regulates the provision of digital services for sharia and conventional banks. With these regulations, Bank Syariah Indonesia can provide digital or online services based on existing regulations. This digital or online service provided by Bank Syariah Indonesia aims to make things easier and save customers' time. In connection with this, the aim of this research is to analyze opening an online account on customer satisfaction at Bank Syariah Indonesia, Dramaga Bogor Branch Office. The research method used is a quantitative method. The variables in this research are Service Quality (X1) and Information Quality (X2) and Customer Satisfaction (Y). The research uses SPSS Version 23 tools. The results of this research conclude that service quality and information quality have a positive effect on customer satisfaction.
ANALISIS PERBANKAN SYARIAH PENGARUH KUALITAS PELAYANAN MIKRO KREDIT SALES TERHADAP KEPUASAN KONSUMEN DAN DAMPAKNYA PADA MINAT PENGAMBILAN ULANG KREDIT DI BANK MANDIRI KANTOR CABANG PEMBANTU TAWES, JAKARTA Munandar; Thantawi, Tubagus Rifqy; Mubarok, Mohamad Kharis
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.v3i02.153

Abstract

The purpose of this study was to determine the effect of Micro Credit Sales (MKS) Service Quality on Consumer Satisfaction and Its Impact on Interest in Credit Retrieval (Survey on Micro Credit Consumers at Bank Mandiri Tawes). The number of samples is 71 respondents. The results of this study state that: service quality has a positive effect on customer satisfaction which can be seen in the results of path analysis, the results of the equation model 1 are Y = 15.223 + 0.509 X + 0.630 Z and the equation model 2 is Z = 4.227 + 0.909 X , while the results of the t test in model 1 obtained the value of sig. 0.009 < 0.05 and t value 5.090 > 1.99495, it means that there is a significant influence between Service Quality on credit re-taking while for consumer satisfaction with credit re-taking is 0.000 < 0.05 and the t-value is 6.753 > 1.99495 which means there is an influence which is significant between consumer satisfaction with credit re-taking and in model 2 the results of the t test with a value of sig. 0.000 <0.05 and the t-count value is 11.916> 1.99495, it means that there is a significant influence between Service Quality on customer satisfaction. Furthermore, in the Sobel test, the z-value obtained is 4.567> 1.98 with a significance level of 5%, it proves that customer satisfaction significantly mediates the effect of service quality on credit withdrawal.
ANALISIS STRATEGI PENINGKATAN PENDAPATAN TABUNGAN HAJI KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH BAYTUL IHKTIAR CABANG LEUWISADENG, KABUPATEN BOGOR, JAWA BARAT Putra, Gilang Permana; Thantawi, Tubagus Rifqy; Mursyidah, Azizah
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.v3i02.156

Abstract

This research aims to analyze and find out the current internal and external environment of KSPPS Baytul Ihktiar Leuwisadeng Branch, especially with regard to community empowerment through Hajj Savings at KSPPS Baytul Ihktiar Leuwisadeng Branch, analyze and find out what factors are internally and externally attached to KSPPS Baytul Ihktiar Leuwisadeng Branch in community empowerment through Hajj Savings, as well as analyzing and knowing the strategies that need to be carried out by KSPPS Baytul Ihktiar Leuwisadeng Branch in empowering the community through Hajj Savings. The method used is a qualitative method, with SWOT analysis techniques. The results of the study stated that based on the IFAS and EFAS matrix tables with a total value of IFAS 2.40 and EFAS 3.11. The next strategy that must be carried out by KSPPS Baytul Ihktiar Leuwisadeng Branch in developing the Islamic economy and empowering the community through Hajj Savings is to concentrate on Vertical Integration, which is a strategy that aims to further strengthen the market share of Hajj Savings by expanding the network in Bogor Regency and its surroundings.
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