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INDONESIA
Al-Sharf: Jurnal Ekonomi Islam
Published by Rahmat Islamiyah Press
ISSN : -     EISSN : 27235440     DOI : http://dx.doi.org/10.30596%2Fal-sharf.v1i3.98
Core Subject : Economy,
Economics, Econometrics & Finance
Al-Sharf: Journal of Islamic Economics published by the Rahmat Islamiyah Foundation, Medan, Indonesia. In this journal the articles contain articles about the fields of Islamic scientific research and Islamic education. Al-Sharf: Journal of Islamic Economics received manuscripts in the field of research including scientific fields that are relevant to: Islamic economics, especially in the field of sharia management and sharia banking. Al-Sharf: Journal of Islamic Economics published three times published in February, June, and October. ISSN 2723-5440 (Online)
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 15 Documents
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Search results for , issue "Vol 3, No 2 (2022)" : 15 Documents clear
Produk-Produk Dana Pihak Ketiga (DPK) Sebagai Sarana Simpanan Dana Dan Layanan Pendukung Di PT Bank Sumut KCP Syariah Simpang Kayu Besar Alwan Azhari; Ahmad Amin Dalimunthe
Al-Sharf: Jurnal Ekonomi Islam Vol 3, No 2 (2022)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v3i2.280

Abstract

The banking system in Indonesia is currently growing rapidly, which aims to facilitate the banking sector and especially from the convenience and security of the banking customers themselves. This study aims to find out what are the products of third party funds as a means of depositing funds and supporting services at Bank Sumut Syariah Kcp Simpang Kayu Besar. In this study, the authors used qualitative research methods with descriptive analysis techniques. Then all the sources of this research were obtained by conducting interview sessions with the bank, while the secondary data obtained in this study were obtained based on what had been obtained from the literature study. In the process of raising funds, the bank has several ways of raising funds and one of them is by relying on Third Party Funds (DPK). In this DPK, the Bank offers several products for depositing funds, namely Savings, Current Accounts, and Time Deposits. Based on data obtained from PT Bank Sumut Syariah Kcp Simpang Kayu Besar, there is a decrease and increase in the annual margin that occurs in TPF in 2019-2021 at PT Bank Sumut Syariah Simpang Kayu Besar.
Analisis Pembiayaan Murabahah Dalam Meningkatkan Usaha Mikro Kecil Dan Menegah Di Kelurahan Pekan Tanjung Pura Kecamatan Tanjung Pura Kabupaten Langkat Nur Zukhairi Syafitri
Al-Sharf: Jurnal Ekonomi Islam Vol 3, No 2 (2022)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v3i2.315

Abstract

This research aims to find out the increase in business of Small and Medium Enterprises (MSMEs) in Pekan Tanjung Pura Village, Tanjung Pura District, Langkat Regency, for murabahah financing carried out from Islamic Bank. The research method used is a qualitative research method that is descriptive with an empirical approach. The results of the study explained that the procedure and realization of murabahah financing carried out by MSME actors in Pekan Tanjung Pura Village, Tanjung Pura District, Langkat Regency consists of several stages, namely the stage of applying for financing, the file verification stage and analysis of financing feasibility, the approval and implementation stage of the contract and the stage of disbursement of financing. There was an increase in the business of MSME actors in Pekan Tanjung Pura Village, Tanjung Pura District, Langkat Regency after financing murabahah from Islamic Bank. Murabahah financing is used to increase capital in the form of goods and materials for business. Murabahah financing carried out helps the customer's business cycle continue to run, as well as help increase sales turnover. The obstacles faced by Islamic Banks in increasing Small Micro Enterprises in Tanjung Pura Week Village are: lack of public knowledge about Islamic Banks, accustomability to using conventional banks, lack of public attention to usury practices, and the distance of Islamic Banks.
Aplikasi Penggunaan Teknologi E-Banking Dalam Upaya Peningkatan Pelayanan Nasabah (Studi Kasus PT. Bank Muamalat KCP Stabat) Latifah Rahman; Muhammad Saleh; Diyan Yusri
Al-Sharf: Jurnal Ekonomi Islam Vol 3, No 2 (2022)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v3i2.313

Abstract

This study focuses on the discussion of the E-Banking aplication offered, the perceived barriers, and the improvement in customer service perceived by the E-Banking facilities offered by PT. Bank Muamalat Stabat Sub-Branch Office.  The research method used in this research is a descriptive qualitative research method with an empirical approach. People who are used as informants in this study are employees and customers who use the E-Banking product of PT. Bank Muamalat Stabat Sub-Branch Office. In this study, researchers used a collection technique, namely by means of observation, interviews, and documentation. Data analysis in this study consisted of data editing, data classification, data verification, data analysis, and drawing conclusions. The results of the study explain that the application of the use of E-Banking technology offered by PT. Bank Muamalat Sub-Branch Office Stabat that is Automatic Teller Machine, Sala Muamalat, Muamalat Internet Banking, Muamalat Mobile Banking, Virtual Account Muamalat, Muamalat Cash Management System, and Muamalat Outlets (Payment Point Online Bank). Barriers to the use of E-Banking technology at PT. Bank Muamalat Stabat Sub-Branch Office, namely unsupported network, lack of customer capability regarding the use of technology, and technical problems using E-Banking. There was an increase in the service perceived by customers with the E-Banking facilities offered by PT. Bank Muamalat Stabat Sub-Branch Office. The existence of E-Banking facilities improves the service that customers feel when transacting, starting from increasing convenience, speed, security, and trust.
Strategi Customer Service Dalam Complaint Handling Pada Bank Syariah Indonesia KCP Rantauprapat Khomisah Khomisah
Al-Sharf: Jurnal Ekonomi Islam Vol 3, No 2 (2022)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v3i2.260

Abstract

This research is motivated by the existence of complaints or complaints submitted by customers of Bank Syariah Indonesia KCP Rantauprapat. This study aims to determine the customer service strategy in handling customer complaints, and to find out the factors that support and hinder the work process of customer service strategies at BSI KCP Rantauprapat. The type of research used is descriptive qualitative, namely research that is intended to provide accurate information related to the field. The source of this research data was taken through interviews with customer service at Bank Syariah Indonesia KCP Rantauprapat. Data collection techniques used are observation, interviews, and documentation. From the research conducted by the author, it can be stated that the customer service strategy used in handling customer complaints is to follow the Standard Operating Procedures (SOP) for existing services such as doing first greetings to customers at the beginning of service, then handling customer complaints by analyzing cases that occur quickly and accurately. appropriate, then provide an explanation regarding the process, costs and requirements required, as well as verifying the data attached by the customer to filling out the complaint application form. Then proceed with reconfirming and inputting data by customer service. Then do cross selling (conditional), and end service to customers. In carrying out the customer service strategy, there are several supporting and inhibiting factors. The supporting factors are the presence of employees who have experience in dealing with customer complaints, the existence of communication training for employees so that it is easier to communicate with customers and the existence of understanding from customers about the condition of the Bank. And the inhibiting factor is the lack of information from the Bank to customers.
Analisis Simpanan Deposito Mudharabah Pada PT Bank Syariah Indonesia Kantor Cabang Pembantu Stabat Liyan Sari; Muhizar Muchtar; Rani Febriyanni
Al-Sharf: Jurnal Ekonomi Islam Vol 3, No 2 (2022)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v3i2.311

Abstract

The purpose of this study is to analyze mudharabah deposit deposits at PT Bank Syariah Indonesia Stabat Auxiliary Branch Office. This research is a type of qualitative research using a descriptive approach through field studies (field research) by making observations at the research site. Then continued by conducting interviews and document research and documentation to then make conclusions. The results showed that based on the results of interviews conducted with the head of Bank Syariah Indonesia KCP Stabat obtained information that The Indoesia KCP Stabat Sharia bank has several products and the most in demand are savings products with mudharabah and wadiah systems. Deposit deposits with the principle of mudharabah are quite in demand by the people in Langkat Regency who save at the Indonesian Islamic bank KCP Stabat because it is mutually beneficial and free from the element of riba prohibited by religion. Bank Syariah Indonesia KCP Stabat's mudharabah deposit system already uses the ARO (automatic roll over) system, meaning that deposits will be automatically extended by the bank without having to confirm to the holder of term deposits. Customers do not need to come to the office to extend the deposit period.

Page 2 of 2 | Total Record : 15

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