Article Per Year (5 Year)
p-Index From 2020 - 2025
3.457
P-Index
This Author published in this journals
All Journal Jurnal Ekonomi Syariah Teori dan Terapan EKSPANSI EQIEN - JURNAL EKONOMI DAN BISNIS Jurnal Kajian Peradaban Islam Amwaluna Jurnal Ekonomi dan Keuangan Syariah Review of Islamic Economics and Finance Coopetition : Jurnal Ilmiah Manajemen Indonesian Journal of Islamic Business and Economics (IJIBE) TSARWATICA (Islamic Economic, Accounting, and Management Journal) Jurnal Kajian Peradaban Islam Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Iqtisad : Journal of Islamic Economic and Civilization
Ropi Marlina
STIE DR. KHEZ Muttaqien
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

Published : 28 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 28 Documents
Search

 1   2   3 
ANALISIS DETERMINAN PEMBIAYAAN BERMASALAH PADA BANK UMUM SYARIAH DI ASIA TENGGARA Juliana Juliana; Risna Febriyanti; Rumaisah Azizah al-Adawiyah; Ropi Marlina; Dadan Hamdani
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 14 No 1 (2022)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v14i1.3672

Abstract

Purpose -The purpose of this study is to examine the differences in non-performing financing and the factors that influence it in Islamic commercial banks in Southeast Asia, which include Islamic banks in Indonesia, Malaysia and Brunei Darussalam. Design / Methodology / Approach - The research method used is a comparative and verification method using panel data regression analysis using Eviews 9 software and SPSS. Findings - The results of the study indicate that the Return on Assets (ROA) variable has a negative and significant effect on non-performing financing, Operating Income Operating Expenses (BOPO) has no effect on non-performing financing, Gross Domestic Product (GDP) has a positive and significant effect and there are also differences in non-performing financing. in Islamic commercial banks in Southeast Asia. Practical Implications - Islamic commercial banks must consider various solutions and financing operations through analysis of both internal and external factors. For Islamic banks, it is very important to analyze through internal factors in order to avoid various problems caused by bank errors in financing distribution. In addition to internal factors, external factors can also affect non-performing financing. This external factor can be seen through the failure of the customer's business to do financing and also the unhealthy economic conditions. External factors are equally important to see the various behaviors that occur in customers. Originality / Value - This research is a research that is still rarely done because it not only examines the factors that affect non-performing financing but also looks at the differences in the non-performing financing of Islamic commercial banks in Southeast Asia, especially Indonesia, Malaysia, and Brunei Darussalam. Keywords: Non Performing Financing, Return on Assets, BOPO, Gross Domestic Product Paper Type: Research Paper
Halal Awareness : Pengaruhnya Terhadap Keputusan Pembelian Konsumen Shopee dengan Religiositas Sebagai Variabel Moderasi Juliana Juliana; Muhamad Wafa Rizaldi; Rumaisah Azizah Al-Adawiyah; Ropi Marlina
Coopetition : Jurnal Ilmiah Manajemen Vol. 13 No. 2 (2022): Coopetition : Jurnal Ilmiah Manajemen
Publisher : Program Studi Magister Manajemen, Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/coopetition.v13i2.1423

Abstract

Purpose- This study aims to determine and analyze the effect of the halal awareness variable on Indonesian Muslim consumers on purchasing decisions at Shopee with religiosity as a moderating variable. Design/Methodology/Approach – Using quantitative descriptive methods, this study analyzes responses to questionnaires distributed to 264 respondents from Indonesia. To prove this hypothesis, the data collected was analyzed by partial least squares (SEM-PLS) using SmartPLS. Findings – This research shows that the Halal Awareness variable has a significant and significant effect on product purchasing decisions at Shopee with religiosity as a moderating variable. This finding confirms that halal awareness and religiosity factors are very important in encouraging Muslim consumers in Indonesia to make decisions to purchase halal products at Shopee. Practical Implication – In order to improve purchasing decisions in buying halal products in e-commerce, especially Shopee. then the role of the government will be very necessary in socializing and re-promoting the concept of halal lifestyle, especially in buying online products in e-commerce optimally in various platforms, such as social media, seminars, workshops and several other media. Then, business actors in various fields of goods production with online and e-commerce sales media are also required to increase awareness to support and develop halal products by certifying halal products, halal labeling and seeing the importance of halal products to become one of the promising types of products. and sell well in the market and also safe for consumers. Originality/Value – This study is the first to examine the effect of halal awareness on purchasing decisions of Indonesian Muslim consumer products at Shopee with religiosity as a moderating variable. This study succeeded in revealing the strengths and weaknesses of religiosity in influencing halal awareness of product purchasing decisions at Shopee.
Islamic Political Economy: Critical Review of Economic Policy in Indonesia Ropi Marlina; J. Juliana Juliana; N. Amalia Adila; M. Bilal Robbani
Review of Islamic Economics and Finance (RIEF) Vol 2, No 1 (2019): Review of Islamic Economics and Finance (RIEF) June 2019
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (146.766 KB) | DOI: 10.17509/rief.v2i1.17783

Abstract

This article is based on a phenomenon of inequality that occurs in Indonesia, which is still quite high. Besides, the current reality shows that the implementation of political economy has not been able to meet the primary needs of each individual. This article aims to describe and elaborate on the concepts and objectives of the Islamic political economy. The qualitative descriptive method is used with a literature review approach with sources from books, journals, news, and other sources relevant to the title. The results of the discussion of this article show that economic politics in the perspective of Islam has a different perspective from capitalists. Islamic Political Economics aims to fulfill each individual's primary needs (food, shelter, and clothing). In implementing the Islamic Political Economy, the state has an important role, either directly or indirectly. As for case studies in Indonesia, regarding aspects of fulfilling food needs, it is ranked 73rd globally with a GHI of 21.9. This is a huge number at a serious level. The number shows that the Indonesian government has not been able to fulfill one of the political goals of Islamic economics, namely the fulfillment of each individual's food. In addition, in terms of security, education and health have not also been well fulfilled. It is expected that this writing will become a reference and add to the treasure of thought regarding the Islamic economy.
The Level of Student Literacy Towards The Sharia Cooperatives Ropi Marlina; Juliana Juliana
Review of Islamic Economics and Finance (RIEF) Vol 1, No 1 (2018): Review of Islamic Economics and Finance (RIEF) June 2018
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (205.023 KB) | DOI: 10.17509/rief.v1i1.23744

Abstract

Abstract.     This article is motivated by the wrong perception of the understanding and knowledge of Islamic cooperatives. The purpose of this study is to find out the level of student literacy in Islamic cooperatives. The method used is the quantitative descriptive method. The number of research samples amounted to 70 active students of the Indonesian Education University representing each faculty. The results showed that students did not fully understand the development agreement used in Islamic cooperatives included in the contract syirkah. However, in general, students' literacy toward usury and the compatibility of Islamic cooperatives with Islamic principles is largely understood. The implication of this research shows that there is a need to increase literacy to students as a younger generation, more specifically about the existing contractual agreements in Islamic cooperatives. Keywords.    Sharia Banking, Sharia Cooperative, Syirkah, Student Literacy
Bank Syariah Indonesia Customer Loyalty After Merger: Analysis of Trust, Service Quality, and Religiosity Juliana; Fauziah Nurhaliza; Ripan Hermawan; Ropi Marlina
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 10 No. 1 (2023): Januari-2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol10iss20231pp96-108

Abstract

ABSTRACT:         The purpose of this study was to analyze the effect of the variables on the level of trust, the level of service quality, the level of religiosity, and the level of corporate image on customer loyalty in Bank Syariah Indonesia (BSI), a new bank resulting from the merger of three state-owned banks, namely BRI Syariah, BNI Syariah, and Mandiri Syariah. The study uses quantitative approaches with causality description techniques. The analysis technique used is Partial Least Square-Structural Equation Modeling (SEM-PLS) with a sample of 405 BSI customers. The results showed that the level of trust and religiosity had a positive effect on post-merger BSI customer loyalty. In addition, the level of service quality has no effect on customer loyalty after the merger. Meanwhile, the level of the corporate image did not moderate the effect of the level of trust, service quality, and religiosity on BSI customer loyalty after the merger. However, as a predictor, the level of the corporate image has a direct effect on post-merger BSI customer loyalty. The findings show that trust, religiosity, and corporate image play a very important role in growing BSI's customer loyalty. Therefore, BSI should consider developing a strategy to increase customer loyalty. Keywords: Customer Loyalty, Trust, Service Quality, Religiosity, Corporate Image ABSTRAK:        Tujuan penelitian ini adalah untuk menganalisis pengaruh variabel tingkat kepercayaan, tingkat kualitas layanan, tingkat religiusitas, dan tingkat citra perusahaan terhadap loyalitas nasabah Bank Syariah Indonesia (BSI), bank baru hasil merger dari tiga bank BUMN, yaitu BRI Syariah, BNI Syariah, dan Mandiri Syariah. Penelitian ini menggunakan metodependekatan kuantitatif dengan teknik deskripsi kausalitas. Teknik analisis yang digunakan adalah Partial Least Square-Structural Equation Modeling (SEM-PLS) dengan sampel sebanyak 405 nasabah BSI. Hasil penelitian menunjukkan bahwa tingkat kepercayaan dan tingkat religiusitas berpengaruh positif terhadap loyalitas nasabah BSI pasca merger. Selain itu, tingkat kualitas layanan tidak berpengaruh terhadap loyalitas pelanggan setelah merger. Sedangkan tingkat citra perusahaan tidak memoderasi pengaruh tingkat kepercayaan, tingkat kualitas layanan, dan tingkat religiusitas terhadap loyalitas nasabah BSI setelah merger. Namun sebagai prediktor, tingkat citra perusahaan berpengaruh langsung terhadap loyalitas nasabah BSI pasca merger. Temuan menunjukkan bahwa kepercayaan, religiusitas, dan citra perusahaan memainkan peran yang sangat penting dalam menumbuhkan loyalitas pelanggan BSI . Oleh karena itu, BSI dapat mempertimbangkan aspek-aspek tersebut  untuk menyusun strategi meningkatkan loyalitas nasabahnya. Kata Kunci: Loyalitas Pelanggan, Kepercayaan, Kualitas Layanan, Religiusitas, Citra Perusahaan     REFERENCES  Alfi, A. N. (2020). Masa pandemi, dana kelolaan nasabah prioritas BNI Syariah tetap tumbuh. Retrievied from https://finansial.bisnis.com/read/20201227/90/1335717/masa-pandemi-dana-kelolaan-nasabah-prioritas-bni-syariah-tetap-tumbuh#:~:text=Pertumbuhan DPK ini didorong oleh,sebesar 3%2C3 juta rekening. Alhanatleh, H. M. (2021). The effect of electronic banking services usage on clients' electronic loyalty. International Journal of Human Capital in Urban Management, 6(4), 461–476.doi:10.22034/IJHCUM.2021.04.08 Alvarez-González, P., & Otero-Neira, C. (2020). The effect of mergers and acquisitions on customer–company relationships: Exploring employees' perceptions in the Spanish banking sector. International Journal of Bank Marketing, 38(2), 406–424.doi:10.1108/IJBM-02-2019-0058 Amah, N., Maghfiroh, A. K., & Ayera, A. (2019). Determinant of customer loyalty at bank syariah Indonesia. International Journal of Economics, Business, and Accounting Research (IJEBAR), 3(4), 527–542.doi:10.29040/ijebar.v5i4.3441 Arista, D., & Sri, R. (2011). Analisis pengaruh iklan, dan citra merek terhadap minat beli konsumen. Jurnal Aset, 13(1), 37–45.doi:1693-928X Aulia, M. R., & Hafasnuddin. (2021). Pengaruh kualitas layanan, kepuasan, dan religiusitas terhadap loyalitas nasabah bank syariah mandiri cabang banda aceh. Jurnal Ilmiah Mahasiswa Ekonomi Manajemen, 6(1), 108–121.doi:10.24815/jimen.v6i1.16370 Badan Pusat Statistik. (2021). Jumlah penduduk menurut kelompok umur dan jenis kelamin 2021. Retrievied from https://www.bps.go.id/indikator/indikator/view_data_pub/0000/api_pub/YW40a21pdTU1cnJxOGt6dm43ZEdoZz09/da_03/1 Badan Pusat Statistik. (2022). Proyeksi penduduk menurut provinsi, 2010-2035. Retrievied from  https://www.bps.go.id/statictable/2014/02/18/1274/proyeksi-penduduk-menurut-provinsi-2010---2035.html Bank Syariah Indonesia. (2021). Migrasi Rekening BSI. Retrievied  from https://bsimobile.co.id/migrasi-rekening-bsi/ Batin, M. H. (2019). Pengaruh citra bank, kualitas layanan, kepercayaan nasabah, penanganan keluhan, dan kepuasan terhadap loyalitas nasabah pada bank sumsel babel kantor capem syariah UIN Raden Fatah Palembang. Journal of Islamic Banking and Finance, 3(1), 5–14.doi:10.21043/malia.v3i1.5600 Annual Report PT. Bank Syariah Indonesia, Tbk-Jakarta, Tahun 2022. Chandra, E. (2021, September 15). Corporate action finansialku.com.Retrieved from https://www.finansialku.com/tindakan-korporasi/ Damayanti, E., Rahayu, A., & Juliana, J. (2018). Impact of knowledge of sharing ratio and family religiosity environtment to customer decision: Survey on Bank BRI Syariah KCP Bandung Kopo. ICIEBP 2017 - 1st International Conference on Islamic Economics, Business and Philanthropy, 235–239.doi:10.5220/0007080002350239 Devila, R., Ma'mun, S., & Ansar, A. (2017). Marketing mix: effects of service quality and consumer behavior on loyalty. The mediating role of customer satisfaction. Quest Journals Journal of Research in Business and Management, 4(12), 2347–3002.doi: 10.31227/osf.io/svckm Dinh, H. P., Van Nguyen, P., Trinh, T. V. A., & Nguyen, M. H. (2022). Roles of religiosity in enhancing life satisfaction, ethical judgments, and consumer loyalty. Cogent Business and Management, 9(1).doi:10.1080/23311975.2021.2010482 Foster, B. D., & Cadogan, J. W. (2000). Relationship selling and customer loyalty: an empirical investigation. Marketing Intelligence & Planning, 18(4), 185–199.doi:10.1108/02634500010333316 Gefen, D. (2002). Customer Loyalty in e-Commerce Settings.pdf.crdownload. Journal of the Association for Information Systems, 3(1), 27–51.doi:10.17705/1jais.00022 Griffin, J. (2005). Costumer loyalty: Menumbuhkan dan mempertahankan kesetiaan pelanggan. Jakarta: Erlangga. Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2013). A Primer on partial least squares structural equation modeling. Thousand Oaks:Sage Publishing. Harrison, S. (2007). Public relations: An introduction. London: Routledge. Juliana, J., Firmansyah, F., & Finna, G. (2020). Sharia property purchase decision without bank: Analysis of the influence of price factors environment and religiosity. Jurnal Ekonomika dan Bisnis Islam, 3(3), 234–245.doi:10.26740/jekobi.v3n3.p234-245 Juliana, J., & Marlina, R. (2016). Preferensi nasabah memilih bank syariah dilihat dari aspek karakteristik nasabah. Jurnal Ekonomi dan Bisnis, 4(1), 48–62.doi: 10.34308/eqien.v3i2.27 Juliana, J., Rizaldi, M. P., Al-Adwiyah, R. A., & Marlina, R. (2022). Halal awareness: pengaruhnya terhadap keputusan pembelian konsumen shopee dengan religiusitas sebagai variabel moderasi. Jurnal Ilmiah Manajemen, 13(2).169-180 doi:10.32670/coopetition.v13i2.1423 Juliana, J., W. Mahri, A.J., Salsabilla, A.R., Muhammad, M. and Nusannas, I.S. (2022). The determinants of muslim millennials visiting intention towards halal tourist attraction, Journal of Islamic Accounting and Business Research.doi:10.1108/JIABR-02-2021-0044 Karani, L. M., Syah, T. Y. R., & Anindita, R. (2019). Influence of service quality and customer satisfaction on customer loyalty in restaurants of the Tangerang area. Russian Journal of Agricultural and Socio-Economic Sciences, 92(8), 142–147.doi:10.18551/rjoas.2019-08.15 Kasdi, A., & Saifudin, S. (2019). Influence of sharia service quality, islamic values, and destination image toward loyalty visitors' on Great Mosque of Demak. International Journal of Islamic Business and Economics (IJIBEC), 3(2), 117-129.doi:10.28918/ijibec.v3i2.1909 KBBI. (2016). KBBI Daring. Retrieved from https://kbbi.kemdikbud.go.id/entri/loyalitas Khotimah, K. (2017). Pengaruh kepercayaan terhadap loyalitas nasabah menabung pada kantor cabang utama Pt. Bank Pembangunan Daerah Papua di Jayapura. Jurnal Future, 1(11), 23–40. KNEKS. (2021, Juli 2). Peran keuangan syariah untuk menjadikan indonesia pemimpin industri halal dunia. Retrieved from https://knks.go.id/berita/363/peran-keuangan-syariah-untuk-menjadikan-indonesia-pemimpin-industri-halal-dunia?category=1 Kotler, P., & Keller, K. (2016). Marketing Management 15th Edition. England: Pearson. Kumara, P. A. P. S., & Karunaratna, A. C. (2018). Determinants of customer loyalty: A literature review. Journal Of Customer Behaviour, 17(1–2), 49–73. doi:10.1362/147539218X15333820725128 Kusuma, K., Utami, C. W., & Padmalia, M. (2018). Pemediasian kepuasan konsumen pada pengaruh kualitas layanan dan harga terhadap minat beli ulang perusahaan Sinar Karya Pemenang. Jurnal Manajemen dan Start-Up Bisnis, 3(3), 1–7.doi:10.37715/jp.v3i3.725 Maharani, E. (2017). Anda sebenarnya tidak benar-benar sibuk. Retrieved from https://www.republika.co.id/berita/okp1vu335/anda-sebenarnya-tidak-benarbenar-sibuk Majelis Ulama Indonesia. (2004). Himpunan fatwa MUI: Bunga (Interest/Fa'Idah). Retrieved from https://mui.or.id/wp-content/uploads/files/fatwa/32.-Bunga-InterestFaidah.pdf Mowen, J. C., & Minor, M. (2002). Perilaku konsumen (Jilid 1). Jakarta: Erlangga. Munandar, A., & Sari, N. (2019). Pengaruh religiusitas, kualitas layanan, kualitas produk terhadap loyalitas nasabah tabungan pada PT. Bank Aceh Syariah kantor cabang pembantu Darussalam. Al-Muamalat Jurnal Hukum dan Ekonomi Syariah, 4(2), 101–120. Naf'an. (2014). Pembiayaan musyarakah dan mudharabah (cetakan 1). Yogyakarta: Graha Ilmu. Nguyen, N., & Leblanc, G. (2001). Corporate Image and Corporate Reputation in Customers' Retention Decisions in Services. Journal of Retailing and Consumer Services, 8(4), 227–236.doi:10.1016/S0969-6989(00)00029-1 Nurhayati, N., & Sukesti, F. (2016). Peningkatan loyalitas nasabah bank syariah melalui peningkatan kualitas layanan dan kepuasan nasabah dengan religiusitas sebagai variabel moderating (studi pada bank syariah di Kota Semarang). Economica: Jurnal Ekonomi Islam, 7(2), 141–153.doi:10.21580/economica.2016.7.2.1158 Oliver, R. L. (1999). Whence Consumer Loyalty"¯? Journal of Marketing, 63(4), 33–44.doi:10.1177/00222429990634s105 Otoritas Jasa Keuangan. (2008). Undang-undang Nomor 21 Tahun 2008 Tentang Perbankan Syariah. Retrieved from https://ojk.go.id/waspada-investasi/id/regulasi/Pages/Undang-Undang-Nomor-21-Tahun-2008-Tentang-Perbankan-Syariah.aspx Pamela. (2020). Layanan perbankan yang digemari anak jaman sekarang. Retrieved from  https://ajaib.co.id/layanan-perbankan-yang-digemari-anak-jaman-sekarang/ Parasuraman, A., Zeithaml, V. A., & Berry, L. L. (1988). SERVQUAL: A multiple-item scale for measuring consumer perceptions of service quality. Journal of Retailing, 64(1).doi:10.1002/9781118785317.weom090654 Putri, F. (2012). Perbedaan tingkat religiusitas dan sikap terhadap seks pranikah antara pelajar yang bersekolah di SMA umum dan SMA berbasis agama. CALYPTRA: Jurnal Ilmiah Mahasiswa Universitas Surabaya, 1(1), 1–9. Ramadhan, A. G., & Santosa, S. B. (2017). Analisis pengaruh kualitas produk, kualitas pelayanan, dan citra merek terhadap minat beli ulang pada sepatu Nike Running di Semarang melalui kepuasan pelanggan sebagai variabel intervening. Diponegoro Journal of Management, 6(1), 1–12.doi:2337-3806 Robbins, S. P. (2002). Prinsip-prinsip perilaku organisasi. Jakarta: Erlangga. Roza, A. M. (2022). Survei sebut perempuan lebih disiplin dalam atur uang daripada pria. Woman Leaders Forum 2022: Women's Financial and Investment Attitude'. Retrieved from Jawapos. https://www.jawapos.com/lifestyle/08/03/2022/survei-sebut-perempuan-lebih-disiplin-dalam-atur-uang-daripada-pria/ Safitri, K. (2021). BSI ubah skema migrasi nasabah di tengah PPKM darurat. retrieved from https://money.kompas.com/read/2021/07/06/173250326/bsi-ubah-skema-migrasi-nasabah-di-tengah-ppkm-darurat?page=all Farah, M. F. (2017). Consumers' switching motivations and intention in the case of bank mergers: A cross-cultural study. International Journal of Bank Marketing, 35(2), 254–274.doi:10.1108/IJBM-05-2016-0067 Selnes, F. (1993). An examination of the effect of product performance on brand reputation, satisfaction and loyalty. European Journal of Marketing, 27(9), 19–35.doi:10.1108/03090569310043179 Sood, J., & Nasu, Y. (1995). Religiosity and nationality. An exploratory study of their effect on consumer behavior in Japan and the United States. Journal of Business Research, 34(1), 1–9.doi:10.1016/0148-2963(94)00015-7 Stark, R., & Glock, C. Y. (1968). Will ethics be the death of Christianity?. Society, 5(7), 7–14.doi:10.1007/BF02805897 Thoules, H. R. (1995). Pengantar psikologi agama. Jakarta: PT. Grafindo Persada. Tjiptono, F. (2014). Pemasaran jasa (prinsip, penerapan dan penelitian) (edisi 1). Yogyakarta: Andi Offset. Trisusanti, Y. (2017). Pengaruh kualitas pelayanan dan kepercayaan terhadap loyalitas nasabah (studi pada Bank BNI Syariah Kantor Cabang Pekanbaru). Jurnal Online Mahasiswa Fisip, 4(2), 1–16. Ulfa, A. (2021). Dampak penggabungan tiga bank syariah di Indonesia. Jurnal Ilmiah Ekonomi Islam, 7(02), 1101–1106.doi:10.29040/jiei.v7i2.2680 Walfajri, M. (2021). Nasabah mengeluhkan proses migrasi rekening BNI Syariah dan BRI Syariah ke BSI. Retrieved from https://keuangan.kontan.co.id/news/nasabah-mengeluhkan-proses-migrasi-rekening-bni-syariah-dan-bri-syariah-ke-bsi Winasih, T., & Hakim, L. (2021). Peran kepuasan sebagai variabel mediasi kualitas layanan dan kepercayaan nasabah terhadap loyalitas nasabah bank syariah. Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah, 8(2).205-221.doi:10.1905/iqtishadia.v8i2.4152 Wisnu, Y. (2021). Jawa pulau terpadat di dunia. Retrieved from https://www.solopos.com/wow-jawa-pulau-terpadat-di-dunia-lur-1205546#:~:text=Dari jumlah tersebut%2C sebanyak lebih,luas wilayah sekitar 128.297 km2. Yuniar, A. (2021). Merger bank syariah BUMN bakal perkuat industri halal Indonesia. Retrieved from https://www.liputan6.com/bisnis/read/4404474/merger-bank-syariah-bumn-bakal-perkuat-industri-halal-indonesia
ANALYSIS OF THE EFFECT OF THIRD-PARTY FUNDS FOR MURABAHAH, CAPITAL ADEQUACY RATIO (CAR), AND NON-PERFORMING FINANCING (NPF) MURABAHAH TO RETURN ON ASSETS (ROA) AT ISLAMIC COMMERCIAL BANKS IN INDONESIA FOR THE 2017-2020 PERIOD Ropi Marlina; Juliani Lisma Sari; Dewindi Dewindi; Novian Mardani; Ade Nurhayati
TSARWATICA (Islamic Economic, Accounting, and Management Journal) Vol 4 No 2 (2023)
Publisher : STIESA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The purpose of this study is to analyze the Effect of Third-Party Funds (DPK), Capital Adequacy Ratio (CAR), and Murabahah Non-Performing Financing (NPF) on Return on Asset (ROA). The research method used is in this study is a descriptive method with a quantitative approach and uses panel data regression analysis (Time Series and Cross Series) with a Fixed Effect Model (FEM) model using Eviews software version 10. The sampling method used is purposive sampling, which uses several criteria so that there are 12 Islamic Commercial Banks that are used as samples operating in Indonesia and registered with the OJK from 2017-2020. The results showed that the Third-Party Fund Variable (DPK) and Capital Adequacy Ratio (CAR) had a positive and significant effect on Return on Asset (ROA) in Islamic Commercial Banks. Murabahah's Non-Performing Financing (NPF) has a negative and insignificant influence on Return on Asset (ROA). Murabahah's Third Party Funds, Capital Adequacy Ratio (CAR), and Murabahah's Non-Performing Financing (NPF) simultaneously (together) have a positive and significant influence on Return on Asset (ROA). Islamic commercial banks must consider various solutions to obtain high profitability. Murabahah's Third Party Funds, Capital Adequacy Ratio (CAR), and Murabahah's Non-Performing Financing (NPF) must be maintained and tiered to obtain maximum profitability.
THE EFFECT OF INTEREST RATE, INFLATION RATE AND RUPIAH EXCHANGE RATE ON INVESTMENT RESULTS IN SHARIA LIFE INSURANCE COMPANIES IN INDONESIA Dimas Alif Putra; Juliana Juliana; Firmansyah Firmansyah; Ropi Marlina
TSARWATICA (Islamic Economic, Accounting, and Management Journal) Vol 5 No 1 (2023)
Publisher : STIESA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the effect of interest rates, inflation rates and the rupiah exchange rate on investment returns in Islamic life insurance companies in Indonesia in 2016 – 2020. The data collection in this study used secondary data obtained from the Islamic Non-Bank Financial Industry (IKNB Syariah), and Bank Indonesia. The research method used is quantitative with a causal approach. The analytical tools used are: Eviews software version 10. The results of this study indicate that: First, interest rates have a positive and insignificant effect on investment returns, second, inflation rates have a negative and significant effect on investment returns. Third, the Rupiah Exchange Rate has a negative and significant effect on investment returns. The implications of this research show that. The low interest rate in 2020 makes the decline in investment returns also decrease in 2020. In addition, the negative impact of the inflation rate on investment returns is because high inflation will increase the risk of investment returns, if the risk of investment returns is high, Islamic life insurance companies will transfer funds to other insurance instruments. As for the weakening of the rupiah exchange rate, insurance companies will reduce the allocation of capital to investment, if the allocation of investment capital decreases, it will reduce the investment returns they get.
MARKETING DIGITALIZATION AND RELIGIUSITY AND ITS INFLUENCE ON INTEREST IN MUZAKKI FUNDRAISING SMILE MANDIRI PURWAKARTA Ade Nurhayati Kusumadewi; Ropi Marlina; Rika Amalia
TSARWATICA (Islamic Economic, Accounting, and Management Journal) Vol 5 No 1 (2023)
Publisher : STIESA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The purpose of this study is to find out whether digital marketing affects the interest of muzaki ziswaf in fundraising independent smile Purwakarta, whether religiosity affects the interest of muzaki ziswaf in fundraising independent smile Purwakarta. The method used in this study is a quantitative with descriptive verification method. The data analysis technique used is multiple linear regression with SPSS software version 25. The sampling method used is purposive sampling, which uses several criteria so that there are muzakki fundraising senyum mandiri Purwakarta, aged 19-50 years, domiciled in Purwakarta, one respondent can only fill out one questionnaire. The results showed that both free variables simultaneously have a significant effect on bound variables. Of the total dependent variables, 60.3% simultaneously affected the interest of muzaki ziswaf Senyum Mandiri Purwakarta.
Celebrity Worship Dan Materialism Serta Pengaruhnya Terhadap Compulsive Buying Merchandise Pada Generasi Milenial Di Purwakarta Ade Nurhayati Kusumadewi; Ropi Marlina; Amna Mawardi; Azizah Tu’sadiyah
Eqien - Jurnal Ekonomi dan Bisnis Vol 12 No 04 (2023): Eqien Journal Of Economics and Business
Publisher : Sekolah Tinggi Ilmu Ekonomi DR KH EZ Mutaqien

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34308/eqien.v12i04.1506

Abstract

This study aims to determine the effect of Celebrity Worship and Materialism on Compulsive Buying Merchandise in the Millennial Generation in Purwakarta. The research method used is descriptive quantitative. The population of this study is the Millennial Generation in Purwakarta whose number is known by using a sampling technique, namely incidental sampling of 100 respondents. Methods of data collection using a questionnaire. The data analysis method used is instrument test, classic assumption test and hypothesis testing using SPSS version 25. The results of this study indicate that partially Celebrity Worship has a positive and significant effect on Compulsive Buying Merchandise in the Millennial Generation in Purwakarta, Materialism has a positive and significant effect on Compulsive Buying Merchandise in the Millennial Generation in Purwakarta. and simultaneously celebrity worship and materialism have a positive and significant effect on Compulsive Buying Merchandise in the Millennial Generation in Purwakarta Keywords: Celebrity Worship, Materialism, Compulsive Buying
The Influence Of Brand Image and Brand Ambassadors On Purchasing Decisions At Tokopedia In Purwakarta Marlina, Ropi; Hidayati, Ashri; Sari, Juliani Lisma; Firmansyah, Muhammad Irfan; Wahyudi, Robby; Novian, Mardani
Indonesian Journal of Islamic Business and Economics (IJIBE) Vol 5 No 2 (2023): IJIBE
Publisher : Islamic Economic Scholar Association and Faculty of Economics and Business Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/1.ijibe.2023.5.2.9765

Abstract

Keywords:Brand Image, Brand Ambassador, Purchasing Decision Abstract : This research was conducted with the aim of finding out the influence of brand image and brand ambassadors on purchasing decisions at Tokopedia in Purwakarta. The method used in this research is a descriptive method with a quantitative approach. The sampling technique used a non-probability sampling method with a purposive sampling technique with a total of 97 respondents. The data analysis used in this research is multiple linear regression analysis using IBM SPSS 25. The results of this research show that: 1) Brand Image has a positive and significant effect on purchasing decisions at Tokopedia; 2) Brand Ambassadors have a positive and significant influence on purchasing decisions at Tokopedia; 3) Brand Image and Brand Ambassador simultaneously influence purchasing decisions. Brand Image and Brand Ambassador have an influence of 78.
Co-Authors Ade Nurhayati Kusumadewi ADI SETIADI Al Adawiyah, Rumaisah Azizah Amna Mawardi Aneu Cakhyaneu Arif Hidayat Asih, Sheni Mulya Asma Arisman Dewi Azizah Tu’sadiyah Dadan Hamdani Dewindi Dewindi Dimas Alif Putra Dr. Julian . S.Pd M.Sy Dr. Julian S.Pd M.E. Sy. Fatimah, Andini Nur Fauziah Nurhaliza Firmansyah Firmansyah Firmansyah, Muhammad Irfan Hidayati, Ashri Hilda Manoarfa Hilda Monoarfa Iman Sidik Nusannas Inomjon, Qudratov Satriadi Irma Kurniasih J. Juliana Juliana Juliana Juliana Juliana Juliana Juliana Juliana Juliana Juliani Lisma Sari Kusuma Dewi, Ade Nurhayati Laela, Ela M. Bilal Robbani Mardani, Novian MARIA BINTANG Muhamad Wafa Rizaldi Muhammad Faiz Andeaz Fawwaz Muhammad R. L. Putra Mumuh Muhammad N. Amalia Adila Novian, Mardani Nugraha, Shandika Satriadi Nur Komariyah, Nur Pratama, Yola Yunisa Ramdhani Saadillah Rika Amalia Ripan Hermawan Risna Febriyanti Saadillah, Ramdhani Sari, Juliani Lisma Shiddieq, Muhammad Biagi Hafizh SITI MARIAM Siti Mariam Umar, Abdurrauf Utami, Suci Aprilliani Wahyudi, Robby Yola Yunisa Pratama