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EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Published by STIE Syariah Indonesia Purwakarta
ISSN : 25992708     EISSN : 26548526     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Eksisbank Journal is open access published by the Sharia Economic Study Program and Syariah STIES Banking Indonesia Purwakarta. The main objective of Eksisbank is to provide a platform for scholars, academics and international researchers to share contemporary thoughts in the fields of accounting, taxation, sharia financial management, marketing management, Human Resource management, Islamic capital markets, strategic management, risk management, sharia economics , entrepreneurship, and the sharia banking business in the form of research results, feedback articles, and case reports. It also aims to promote sharia economic studies and Islamic banking, thereby becoming a leading international journal in the field of Islamic economics and Islamic banking in the world.
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Articles 12 Documents
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Search results for , issue "Vol 7 No 2 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)" : 12 Documents clear
Analisis Kinerja Keuangan Bank Bjb Syariah Menggunakan Metode Risk Profile, Good Corporate Governance, Earning, Capital (RGEC) Periode 2017-2021 Siti Nurjanah, Riski; Jalaludin, Jalaludin; Bahri, Saepul; Nurbaeti, Ayi
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 2 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i2.486

Abstract

Financial performance is a reflection of the success or failure of a bank in carrying out its operational activities. The measuring instrument for assessing a bank's financial performance which states whether or not a bank is healthy is described in detail in the provisions governing the bank's soundness level. In measuring the financial performance of a healthy bank or not, the ratio value is used. This research is motivated by the ratio with the predicate Very Healthy, healthy, quite healthy, less healthy and very unhealthy. The purpose of this study is to determine the financial performance of BJB Syariah Bank based on Risk Profile, Good Corporate Governance, Earning, Capital from 2017-2021. This research uses a descriptive qualitative approach using the measurement of the RGEC ratio. It can be concluded that the BJB Syariah bank has a BJB Syariah Health Level for the 2017-2021 period with the Risk Profile method (Risk Profile) consisting of NPF and FDR. NPF in 2017-2021 was in the range of 3.42 and 5.28 categorized as very healthy. FDR in 2017-2021 was in the range of 81.55 and 93.56 categorized as quite healthy. Good Corporate Governance of BJB Syariah for the 2017-2021 period is in the range 2 and 3 which is categorized as quite healthy. Earnings (profitability) consisting of ROA and NIM of BJB Syariah for the period 2017-2021 are in the range of 4,870 and 5,771 categorized as very healthy. The ROA of BJB Syariah for the 2017-2021 period is in the range of 0.4 and 0.10 which is categorized as unhealthy. BJB Syariah's capital for the 2017-2021 period is in the range of 14.95 and 24.14 which is categorized as very healthy. RGEC BJB Syariah for the period 2017-2021 is in the range of 71.99 categorized as healthy.
Strategi Pemasaran Produk Simpanan Qurban dalam Menarik Minat Nasabah di BMT Mandiri Sejahtera Moropelang dan BMT Mandiri Sejahtera Sumberwudi Lamongan Rizqiyani, Hanifah; Sari, Citra Mulya
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 2 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i2.865

Abstract

This study aims to find out how the marketing strategy activities for qurban savings products at BMT Mandiri Sejahtera Moropelang and BMT Mandiri Sejahtera Sumberwudi Lamongan. This qurban savings product is also a product that is rarely owned by other Islamic financial institutions. This qurban savings product uses a wadiah yad dhammanah contract and is planned. This qurban savings product makes its customers disciplined in saving because withdrawals can only be made as the time of sacrifice approaches. The research method uses qualitative data analysis which describes descriptively the marketing strategy activities for Qurban Savings Products at BMT Mandiri Sejahtera, Moropelang and Sumberwudi branches. The two BMT branches both carry out marketing activities for savings products using a marketing mix strategy or Marketing Mix to attract customers’ interest in raising funds for the purpose of sacrificial worship.
Pengaruh Layanan Frontliner dan Relationship Marketing Terhadap Loyalitas Nasabah pada Bank Muamalat Indonesia Kantor Cabang Pembantu Madiun Imanurrovi, Fithrotul; Himmati, Risdiana
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 2 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i2.866

Abstract

Competition between Islamic banks and conventional banks in gathering customers to use their products is getting tougher. Islamic banks, especially Bank Muamalat Indonesia KCP Madiun, also continue to improve their services in order to retain customers. For Bank Muamalat Indonesia KCP Madiun, the existence of loyal customers is very important because it can describe the level of profitability and the company's image in the public. With good service quality, full trust from customers, close commitment, good communication, and appropriate handling of problems, of ourse Bank Muamalat Indonesia KCP Madiun will be increasingly favored by its customers. This study aims to (1) determine the effect of frontliner service on customer loyalty at Bank Muamalat Indonesia KCP Madiun. (2) determine the effect of relationship marketing on customer loyalty at Bank Muamalat Indonesia KCP Madiun. (3) determine the effect of frontliner services and relationship marketing together on customer loyalty at Bank Muamalat Indonesia KCP Madiun. This research method is quantitative, with the type of associative research. Data collection techniques using a questionnaire. The results of this study can be concluded that (1) frontliner service has a positive and not significant effect on customer loyalty at Bank Muamalat Indonesia KCP Madiun because the frontliner service value is smaller than the t table value, namely 1.383 <1.693 and a significance value of 0.176 > 0.05, (2) relationship marketing has a positive and significant effect on customer loyalty at Bank Muamalat Indonesia KCP Madiun with a relationship marketing value greater than the t table value of 2.742 > 1.693, and a significance value of 0.009 <0.05, (3) frontliner services and relationship marketing together positive and significant effect on customer loyalty of Bank Muamalat Indonesia KCP Madiun with Fcount of 10.394 > Ftable 3.30 and a significance value of 0.000332 <0.05.
Analisis Efektivitas Penyaluran Dana Zakat Melalui Program Banjar Sehat Di Badan Amil Zakat Nasional (BAZNAS) Kabupaten Banjar Faqih El Wafa; Saputri, Rizki Aulia; Asyahri, Yusuf
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 2 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i2.869

Abstract

Baznas Kabupaten Banjar has been trusted to manage and distribute zakat funds in order to prosper the community which is insufficient in terms of economy. To be able to prosper the community, especially in the field of health services, Baznas must certainly channel its funds effectively. One of the programs initiated by Baznas Banjar Regency is the Banjar Sehat ProgramThis study aims to determine the effectiveness and distribution of zakat funds through the Banjar Sehat program in Baznas, Banjar Regency. The research used is a qualitative research method by taking the type of field research. Data collection method, the authors conducted interviews. It was then analyzed using the effectiveness measure proposed by Sondang P. Siagian. The results of the data analysis concluded that the distribution of zakat funds through the Banjar Sehat program in Baznas, Banjar Regency, was carried out in two ways, namely active and passive stages. As for the effectiveness of the Banjar Sehat program in its distribution, it can does the program to be effective because it has fulfilled all the elements or effectiveness benchmarks stated by Sondang P. Siagian.
Pengaruh Strategi Digital Marketing Oleh Pelaku UMKM Terhadap Keputusan Pembelian Masyarakat Muslim di Provinsi Jambi Dean Amry, Ary; Aeni, Ika Nur; Salsabilah, Avia; Kurniawan, Ilham Bagus
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 2 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i2.871

Abstract

Digital marketing is a medium and method that is currently widely used by MSME players in encouraging their business activities, especially in promoting a product through internet media with a wider range of consumers. With this digital marketing, it turns out that it results in the decision of the Muslim community towards digital marketing, where there are factors that influence the purchasing decisions of Muslim communities in online media such as service, promotion and price. The purpose of this research is to find out how the influence of digital marketing strategies on the purchasing decisions of Muslim communities on online media in Jambi Province. This study uses quantitative methods with a population of Muslim communities in Jambi Province. Data collection by distributing questionnaires to 400 samples of residents of Jambi Province which are divided into 11 districts. The aspects examined in this study, namely the digital marketing strategy, are service, promotion, price and interest factors. The results of this study indicate the results of the digital marketing variable validity test on all statement items rhitung (0.529)> rtabel (0.098) so that the 6 statement items in the digital marketing variable are declared valid. In the validity test of the purchasing decision variable, it is known that all question items rcount (0.394) > rtable (0.098) with a significance value (p value) <0.05 so that the 2 statement items in the purchasing decision variable are declared valid. Based on the results of the simple regression test, it shows that the digital marketing variable has a tcount value (1.187)> ttable (0.098) with a probability value of 0.000, which is smaller than 0.05, so Ha is accepted. This means that digital marketing has a significant effect on the purchasing decisions of the Muslim community of Jambi Province on online media. The output results also obtained a coefficient of determination (R Square) of 0.735, which means that 73.5% digital marketing is able to attract the buying interest of the Jambi Province Muslim community in online media. While the remaining 26.5% is influenced by other factors not examined in this study
Pengaruh Persepsi Masyarakat, Lokasi, dan Religiusitas terhadap Minat menjadi Nasabah di Bank Syariah (Studi Kasus Masyarakat Desa Moyoketen Kecamatan Boyolangu Kabupaten Tulungagung) Andika, Irza; Khoiriawati, Novi
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 2 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i2.872

Abstract

This research is motivated by the rapid development of Islamic banking. Factors such as public perception, location, and religiosity are important to study, because Islamic banking institutions need to evaluate and develop in order to increase their existence by recruiting new customers and retaining existing customers. The purpose of this study was to determine and test the effect of community perception, location and religiosity on the interest of the people of Moyoketen Village, Boyolangu District, Tulungagung Regency to become customers in Islamic banks. The research approach used is quantitative with associative types. The population of this study was the community in Moyoketen Village aged 18-56 years as many as 1454 and the sample used was 94 respondents. The results of the study were processed using SPSS software version 25 which shows that people's perceptions are influential. The data used in this study are primary data obtained by using a questionnaire. The data analysis used in this research is validity test, reliability test, classic assumption test, multiple linear regression analysis, f test, t test, and the coefficient of determination with the help of SPSS version 25. The results of this study indicate that public perceptions have a direct effect on interest people become customers in Islamic banks with significance (0.00 <0.05), location has a direct effect on people's interest in becoming customers in Islamic banks with significance (0.00 <0.05), and religiosity has a direct effect on public interest being a customer in an Islamic bank with a significance (0.01 <0.05) and community perceptions, location, and religiosity simultaneously influence the public's interest in becoming a customer in an Islamic bank with a significance value (0.00 <0.05). Thus, it can be interpreted that the influence of public perception, location, and religiosity on the intention to become a customer at an Islamic bank is 65.4% while the remaining 34.6% is influenced by other variables. The results of this study can contribute to an understanding of the factors that influence the village community's interest in becoming customers in Islamic banks
Pengaruh Minat Masyarakat, Transparansi dan Platform Digital Terhadap Kewajiban Ziswaf di Jawa Barat Suryaman, Maman; Athoillah, Mohammad Anton; Solehudin, Ending; Setiawan, Iwan
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 2 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i2.874

Abstract

Zakat, infaq and alms are a form of worship that is not only vertical or a form of obedience to Allah SWT, but also a form of worship that is horizontal or social humanitarian relations. The realization of the collection of zakat, infaq and sadaqah funds is still far away when compared to the potential of zakat, infaq and sadaqah funds in West Java. This study aims to determine the influence between public interest, transparency and digital platforms on the obligation of zakat, infaq and sadaqah in West Java Province. This study uses a verification descriptive method using public interest, transparency and digital platforms as research variables. The research was conducted with a quantitative approach with 125 respondents obtained by non-probability sampling technique in the form of accidental sampling. Data analysis was carried out by multiple linear regression analysis using supporting applications, namely SPSS for Windows version 26.0. The results of the study obtained the conclusion that partially there is a positive and significant influence between Public Interest on the Obligation of Zakat, Infaq and Sadaqah with the value of t count> t table (9.404> 1.979) with a significance value of 0.000 smaller than 0.05. Transparency of Management of Amil Zakat Institutions on the Obligation of Zakat, Infaq and Sadaqah with the value of tcount> t table (9,253> 1,979) with a significance value of 0.000 smaller than 0.05. Digital Platform on the Obligation of Zakat, Infaq and Sadaqah with a tcount> ttable value (11.312> 1.979) with a significance value of 0.000 smaller than 0.05. While simultaneously public interest, transparency and digital platforms have a significant influence on the obligation to pay Zakat, Infaq and alms. This is evidenced by Fcount> Ftabel, namely 70.071> 2.68, meaning that there is a significant influence between Public Interest, Transparency of Management of Amil Zakat Institutions and Digital Platforms on the Obligation to Pay Zakat, Infaq and Sadaqah. Furthermore, the R square value or the Coefficient of Determination has a value of 0.626, which means that there is a relationship between the relationship between Public Interest, Transparency and the Use of Digital Platforms on the Obligation to Pay Zakat, Infaq and Sadaqah as the dependent variable of 62.6% while 37.4% is influenced by other variables not examined in this study.
Pendistribusian Zakat Produktif Dalam Mensejahterakan Mustahik Atas Dana Zakat Yang Dikelola Baznas Provinsi Lampung Yuniarti, Rosearistavia; Hilal, Syamsul; Fasa, Muhammad Iqbal
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 2 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i2.879

Abstract

Zakat is one of the obligations of Muslims as a form of social responsibility towards less fortunate members of the community. Zakat can be distributed in various forms, one of which is productive zakat, with the hope of providing benefits to the recipients (mustahik) as it is given in the form of business capital. Providing business capital to mustahik aims to empower them and lift them out of poverty. As in Baznas Lampung Province which managed to distribute 85% of zakat funds and given to 8 asnaf. One of the distributions is in the form of productive zakat where in March 2022 as many as 142 musthik were successfully empowered but on the one hand it is not comparable to the number of poor people in Lampung Province reaching 995,590. This is because the collection of zakat funds has not been maximized so that the distribution cannot be done to mustahik who have entrepreneurial skills but do not have capital due to being in the poverty line. The purpose of this research is to examine the distribution of productive zakat funds in improving the welfare of mustahik from the zakat funds managed by the Lampung Provincial Baznas. This research adopts a qualitative method with a sample of 10 people, consisting of 5 Baznas officials and 5 mustahik. Data collection was done through interviews with the research respondents or informants. The research results indicate that the distribution of productive zakat funds as business capital has been able to help the mustahik recipients in developing their businesses and enables them to use the profits to support their living needs, reducing their dependence on financial assistance from others.
Pengaruh Pendidikan Kewirausahaan Pada Minat Berwirausaha Mahasiswa PTKIN di Provinsi Lampung Fitria, Sela Nur; Nasruddin, Nasruddin; Anggraeni, Erike
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 2 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i2.880

Abstract

This abstract section provides a brief summary of the contents of the paper, the main objectives of the study, the methods used, the results obtained and the main conclusions. The number of unemployed people in Indonesia is relatively high, including in Lampung province. Moreover, by the year 2030, there will be a demographic bonus, where the productive age group will reach 64% of the total population, making it necessary to cultivate young entrepreneurs to face this situation. Universities can play a role in increasing the number of entrepreneurs through Entrepreneurship Education by offering entrepreneurship courses. The aim of this research is to determine the influence of entrepreneurship education on students' entrepreneurial interest. This study was conducted in all Islamic State Universities in Lampung province using a quantitative research method with a questionnaire as the data collection instrument. The sample consisted of 90 students who were enrolled in entrepreneurship courses. The results showed that entrepreneurship education affects student entrepreneurial interest. This is indicated by the value of tcount> ttable (5.709> 1.66196) and the coefficient of determination of 0.334 (r square of 0.334 or 33.4%). So that the more optimal entrepreneurship education, the more interest in student entrepreneurship will increase by 33.4%.
Implementation of Khiyar Rights in Online Buying and Selling on Shopee Tokba.id Sellers Farihmatul Hasanah, Mimah; Sucipto , Moch. Cahyo; Sopian, Ahmad Ali
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 2 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i2.932

Abstract

Buying and selling is not only done offline, but also online. Shopee marketplace online transactions have more potential for the process of implementing khiyar rights, namely there are several factors that can allow continuing or canceling transactions. One of the users of the shopee marketplace is the Tokba.id shop. Buying and selling at the Tokba.id store can also be done with a wholesale system, this wholesale system is considered prone to errors because the goods ordered are more numerous and the process of checking the goods will be more difficult, so the risk of defective or damaged goods is greater. The purpose of this study is to analyze the application of khiyar rights in the process of buying and selling Tokba.id products on the shopee marketplace. This research uses a descriptive qualitative approach. With data collection techniques, namely observation, interviews, and documentation. Informants were determined using Purposive Sampling, namely the owner and manager of Tokba.id. The results of this study conclude that the buying and selling process at the Tokba.id store includes several stages, namely the product sales process and the product purchase process. Meanwhile, the implementation of khiyar rights at the Tokba.id store is in accordance with several khiyars which are the focus of this research, namely khiyar conditions at the Tokba.id store imposing returns with several conditions that have been imposed by shopee and also the Tokba.id store such as the buyer receiving the goods ordered, the buyer can submit a return of goods with approximately 3 days of the shopee warranty period. Khiyar 'aib by enforcing returns if there are 'aib or defects in the goods received such as errors in size, color. Khiyar ru'yah at the Tokba.id shop, namely the seller applies for the return of goods, if the buyer buys goods that are received not according to the description listed on the Tokba.id shopee storefront. Khiyar ta'yin at the Tokba.id store, buyers can check the availability of goods at the Tokba.id storefront which includes color, size. Meanwhile, khiyar majlis at the Tokba.id store cannot be applied. Because there is no place or majlis which is used as a meeting place for the two parties to the contract or sale and purchase transaction.

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