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All Journal Jurnal Ekonomi, Bisnis, Manajemen dan Akuntansi (JEBIMAN) BORJUIS (JURNAL OF ECONOMY)
Sandra Dewi
Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi
Economics, Econometrics & Finance

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ANALISIS KINERJA KEUANGAN DENGAN MENGGUNAKAN PENDEKATAN SHARIA CONFORMITY AND PROFITABILITY (SCnP) (Studi Kasus Bank Bukopin Syariah Periode 2021-2023) Fauziah Laina; Sandra Dewi
JEBIMAN : Jurnal Ekonomi, Bisnis, Managemen dan Akuntansi Vol. 3 No. 4 (2025): JULI
Publisher : CV. ADIBA AISHA AMIRA

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This research is motivated by the fluctuating financial performance of banks measured from 2021 to 2023, which can be seen from the status of the bank's liabilities and equity. This study aims to determine the level of financial performance of Bank Bukopin Syariah using the SCnP approach method for the 2021-2023 period. This study was also conducted to analyze in more depth the financial performance assessment model in Islamic banking at Bank Bukopin Syariah regarding financial performance assessment based on the Qur'an and Hadith. The method used is a qualitative method with a quantitative approach. The sample used in this study is the annual report of Bank Bukopin Syariah for the 2021-2023 period. The technique used for this study is the documentation technique. Data is taken from secondary data from the publication of the annual financial report of Bank Bukopin Syariah for the 2021-2023 period. This study describes the performance of Bank Bukopin Syariah using the SCnP method which is seen from two variables, namely the Sharia Conformity variable with the indicators of the Islamic Investment Ratio, Islamic Income Ratio, and Profit Sharing Ratio. While the Sharia Profitability variable with the indicators of ROA, ROE, and NPM. The results of the study conducted by the author show that the overall conclusion of the calculation results with the SCnP formula and associated with the table of financial performance assessment criteria sourced from Bank Indonesia Circular Letter No.9/24/DPbS/2007 shows that the financial performance of Bank Bukopin Syariah is in the unhealthy criteria, for the period 2021-2023. However, when viewed from the SCnP model table based on the bank's position in the SCnP research analysis, the results of the sharia conformity ratio and profitability are in the LRQ quadrant, which means that Bank Syariah has a high level of sharia conformity but has low profitability.
ANALISIS PERSEPSI TENAGA PENDIDIK DI MTI CANDUANG TENTANG PRODUK BANK SYARI’AH Muhammad Ilham; Sandra Dewi
JEBIMAN : Jurnal Ekonomi, Bisnis, Managemen dan Akuntansi Vol. 3 No. 4 (2025): JULI
Publisher : CV. ADIBA AISHA AMIRA

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Syariah banks exist to serve the needs of the community at large and the Muslim community in particular, including the financial needs of religious leaders like imams and teachers at Islamic schools and mosques. However, in reality, the majority Muslim population and its teachers at pondok pesantren are unable to demonstrate a good understanding of syariah banks and their products. The dominance of conventional banks over syariah banks has led to a lack of socialisation on the part of syariah banks, and a lack of knowledge of syariah banking products among the general population and especially among teachers in religious schools. Therefore, socialisation efforts should be made to increase the general public's familiarity with sharia-compliant banks.This study is an example of descriptive quantitative field research.This involves conducting research in the field by conducting interviews and surveys with students and teachers at MTI Canduang.Next, descriptive quantitative analysis will be used in the data collection process.This study's findings suggest that MTI Canduang teachers' knowledge of syariah-compliant banking products remains low due to insufficient outreach efforts on the part of syariah banks.
STRATEGI PENGEMBANGAN USAHA PENYEWAAN DAN PENJUALAN PERALATAN KEMAH PADA TOKO F-CAMP TANAH DATAR Beni Rawadi; Sandra Dewi
BORJUIS: JURNAL OF ECONOMY Vol. 2 No. 3 (2025): BORJUIS: JOURNAL OF ECONOMY
Publisher : Adisam Publisher

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This research is motivated by the slow development of business in the business of renting and selling camping equipment. This is the aim of this research to analyze and determine an effective strategy for business development in the rental and sales of camping equipment run by the F-Camp shop. The method used in this research activity is a qualitative method. Based on the results of SWOT, IFE, EFE, and Weight Score analysis, it can be concluded that the strategy needed by the F-Camp store is to utilize the strengths of the company and minimize any threats that have the potential to disrupt business development at the Tanah Datar F-Camp store. . The strategies obtained based on the results of the analysis include providing a sense of comfort for consumers and increasing the ability to compete with competitors, offering products at affordable prices and expanding market reach, increasing the amount of product inventory and establishing clear sanctions for damage to rental products, Maximizing the use of media social media as promotional media and establish cooperation with nature activists
Co-Authors Beni Rawadi Fauziah Laina Muhammad Ilham