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Kota palopo,
Sulawesi selatan
INDONESIA
Journal of Institution And Sharia Finance
Published by Institut Agama Islam Negeri Palopo
ISSN : 26546043     EISSN : 26205130     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Journal Of Institution And Sharia Finance compile writing and research on Islamic financial institutions, Islamic banking, sharia business management, strengthening people's economy, Islamic financial management.
Arjuna Subject : -
Articles 5 Documents
 1 
Search results for , issue "Vol 4, No 2 (2021): DESEMBER" : 5 Documents clear
Determinanst of A Customer’s Decision to Choose A Murabaha Contract at Indonesian Sharia Bank Puji Sri Kartika
Journal Of Institution And Sharia Finance Vol 4, No 2 (2021): DESEMBER
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v4i2.3384

Abstract

This study aims to analyze the determinants of customers in  choosing a murabahah contract at an Islamic bank.  This type of research is research quantitatively with a population of all BSI KCP Palopo Ratulangi customers.  Taking a sample of 80 respondents using Roscoe's theory and using purposive sampling.  The method used to test the hypothesis is the classical assumption test,hypothesis testing, multiple regression testing, and test of the coefficient of determination.  The analytical tool in this study uses assistance  SPSS versions 22 and 24. From the results of data processing it shows that simultaneously variable internal factors (psychological and personal) and variables external factors (culture and demography) have a positive and significant effect on the customer's decision in choosing a murabahah contract at an Islamic bank with a significance level of 0.000.  While partially variable factor internal (psychological and personal) positive and significant effect on the customer's decision in choosing a murabahah contract at an Islamic bank with significance level of 0.004 and the value of tcount>ttable (3.823>1.991), but the variable external factors (culture and demographics) have no positive and significant effect on the customer's decision in choosing a murabahah contract at an Islamic bank with a significance level of 0.21 and tcount<ttable (1.245<1.991).
Micro Financing in MSMES Development at BRI Syariah KCP Palopo (Study of The Implementation of Murabahah Contracts) Ria Masita Tuljanna
Journal Of Institution And Sharia Finance Vol 4, No 2 (2021): DESEMBER
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v4i2.3385

Abstract

This study aims: To determine the application of the murabaha contract system to microfinance at BRI Syariah KCP Palopo; This type of research is field research using qualitative research methods. The data analysis technique used is descriptive analysis and SWOT analysis is measured by interviews to determine the overall internal and external factors of microfinance at BRI Syariah KCP Palopo. The results of research in the field show that 1) The application of the murabaha contract system in microfinance at BRI Syariah performs one contract first, the first is done with a wakalah contract, then continues with a murabaha contract. 2) Provision of microfinance using a murabaha contract has an influence on MSME business development in terms of business capital, turnover, income, number of products and expansion of the location of the business. 3) In the process of providing microfinance to MSME customers, BRI Syariah experienced obstacles such as a lack of understanding by customers about contracts and products, and the ineffectiveness of using business capital. From the results of the SWOT analysis based on the identification of internal factors and external factors on Micro Financing Products at BRI Syariah KCP Palopo, namely creating strategies to overcome weaknesses and threats and increase strengths and opportunities, one of which is BRI Syariah introducing sharia bank products to MSMEs to increasing interest in taking financing at BRI Syariah KCP Palopo.
Bank Sharia Indonesia Strategy in Palopo City in Increasing Customer Loyalty Salma Aulia
Journal Of Institution And Sharia Finance Vol 4, No 2 (2021): DESEMBER
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v4i2.3386

Abstract

Unsatisfactory bank service will cause customers to switch to other banks, on the contrary, satisfactory bank service will make customers loyal. This study aims to determine the strategy of Indonesian Islamic banks in Palopo city in maintaining customer loyalty. this research was conducted at the Islamic Bank of Palopo city. The data collection technique is to use interviews with BSI and become informants researchers are employees and customers of BSI, documentation to collect written data. The results of this study show that the strategy used by BSI is very important through the services provided by BSI. The loyalty of customers themselves can be seen from their persistence in order to continue to use BSI services even though many other institutions offer the same product but they still survive in BSI. The quality of services provided by the bank is one of the main concerns of customers in choosing a bank.
Analysis of the Factors that Influence the Work Ethic of Bank Muamalat Employees in Palopo City Muhammad Ikram
Journal Of Institution And Sharia Finance Vol 4, No 2 (2021): DESEMBER
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v4i2.3382

Abstract

This research discusses the Influence of Siri’ Religiosity and Culture on the Work Ethic of Employees of Bank Muamalat Kota Palopo. The problem in this study is the work ethic of employees who are less than optimal such as not working in a timely manner, the level of speed and accuracy of work is not good so as to cause problems of low work ethic. This research aims to find out whether siri’ religiosity and culture affect the work ethic of employees of Bank Muamalat Kota Palopo. The type of research used is quantitative methods. The data source used is primary data obtained from the dissemination of questionnaires to respondents, namely employees of Bank Muamalat Kota Palopo. Data is processed and analyzed using multiple linear regression or inferential statistics. The results of this study showed that (1) Thitung religiosity variables amounted to 8,256 and Ttabel by 1,671 or 8,256 > 1,671 and significant value of religiosity of 0.000 <0.05 (H0 was rejected and H1 accepted) Thus it can be interpreted that religiosity has a positive and significant effect on employee work ethic. (2) Thitung culture variables amounted to 6,621 and Ttabel by 1,671 or 6,621 > 1,671 and significant value of Siri’ Culture' (X2) of 0.001 < 0.05 (H0 rejected and H2 accepted). So it can be interpreted that Siri’ Culture (X2) has a positive and significant influence on employee work ethic (Y). (3) Siri’s religiosity and culture simultaneously affect the work ethic of employees of Bank Muamalat Kota Palopo.
Application of The 5C Principle in Providing Financing to BNI Syariah Tomoni Nur Annisah
Journal Of Institution And Sharia Finance Vol 4, No 2 (2021): DESEMBER
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v4i2.3383

Abstract

This study aims: to find out how to apply the 5C principles in providing financing, as well as to find out the various obstacles that will be faced in implementing the 5C principles in providing financing at BNI Syariah Tomoni. The type of research used is qualitative research. By taking the research location at BNI Syariah Tomoni and the research informants were BNI Syariah Tomoni employees, totaling six people consisting of micro sales heads, micro financing risk officers, micro sales assistants, consumer sales, and processing & collaction assists. Data and data source used, namely primary data. The data collection technique in this study used interview techniques. The results showed that the application of the 5C principles in providing financing to BNI Syariah Tomoni has a very important role because the application of the 5C principles is sought so that banks avoid problem financing. The implementation of the 5C principle is the basis for the leadership of BNI Syariah Tomoni to determine whether the submission of a financing application is approved or rejected. from the ability of the prospective debtor that is not proportional to the nominal amount of the financing submitted to BNI Syariah Tomoni, as well as other obstacles such as the prospective debtor does not have collateral that can be guaranteed.

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