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JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Published by Universitas Muhammadiyah Enrekang
ISSN : -     EISSN : 27742075     DOI : -
Core Subject : Economy, Humanities, Science, Social,
Humanities Computer Science & IT Economics, Econometrics & Finance Environmental Science Library & Information Science
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen (Online ISSN: 2774-2075) merupakan jurnal nasional yang diterbitkan oleh Lembaga Pusat Penelitian dan Pengabdian Masyarakat (LP2M) Universitas Muhammadiyah Enrekang bekerjasama dengan Forum Dosen Riset STMIK/STIE Insan Pembangunan dan Ikatan Doktor Research Management Universitas Pelita Harapan. JIKEM memuat artikel hasil-hasil penelitian di bidang Ilmu Komputer, Ekonomi dan Manajemen. JIKEM berkomitmen untuk menjadi jurnal nasional terbaik dengan menerbitkan artikel berbahasa Indonesia dan berbahasa Inggris yang berkualitas serta menjadi rujukan utama para peneliti secara nasional maupun global.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 980 Documents
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Perbandingan Efektivitas dalam Sistem Pembayaran Sistem Kliring Nasional Bank Indonesia (SKNBI) dengan Bank Indonesia Real Time Gross Settelment (BI-RTGS) pada PT Bank SUMUT KCP Syariah Simpang Kayu Besar Nur Salsabila Arwan Nasution; Nurul Inayah
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 1 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi, dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

This research is entitled "Comparison of Effectiveness in the Payment System of the National Clearing System of Bank Indonesia (SKNBI) and Bank Indonesia Real Time Gross Settlement (BI-RTGS) at the Bank of the Sumatran sharia bank Simpang Kayu Besar ". The purpose of this paper is to compare the mechanism of the Bank Indonesia National Clearing System (SKNBI) with Bank Indonesia Real Time Gross Settlement (BI-RTGS) to see the effectiveness of the smooth payment system at the Simpang Kayu Besar Syariah Bank. The type of data used in this paper is primary data obtained through observation and interviews with the bank, namely employees of the bank teller of the Sumatran sharia bank Simpang Kayu Besar, and secondary data obtained by approaching or documenting archives, documents, and records. The data analysis method used in this paper is a qualitative descriptive analysis method. The conclusions that can be drawn from this report are (1) The implementation of these two payment systems has been carried out properly and in accordance with the stipulated provisions or regulations of Bank Indonesia; (2) The payment system through the BI-RTGS mechanism is more effectively used for the smooth running of the payment system at Bank Indonesia Jambi than through the SKNBI mechanism in terms of the implementation mechanism and in terms of the time required for the settlement process because the settlement process is faster, but from in terms of the cost of the payment system through the SKNBI mechanism is more effective than through the BI-RTGS mechanism because the costs are relatively cheap, so that the payment system through this mechanism is more in demand by the public, and; (3) On the integration side, the Bank Indonesia National Clearing System is more effective even though it is carried out at certain times, either by Bank Indonesia itself, banks or through seminars held by universities in Jambi. Meanwhile, BI-RTGS is not yet effective and socialization has not been maximized, either directly or indirectly. So many people do not know the advantages and disadvantages of this payment system.
Analisis Implementasi Produk Pembiyaan Murabahan di Regional Financing Operation PT. Bank Syariah Indonesia Tbk, Medan Irani Eka Putri Pohan; Nurul Jannah
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 1 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi, dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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The purpose of this study is to find out how the implementation of Murabahah financing products that are applied to RFO PT. BSI Tbk, Medan. The research method used is descriptive-qualitative research. Researchers collected data using interview and documentation observation methods. The results of this study indicate that the analysis of the implementation of murabahah financing products at RFO PT.BSI Tbk, Medan is in accordance with the principle of DSN MUI fatwa no.04/DSN-MUI/IV/2000 It is proven that the financing is carried out with the principle of buying and selling besides that there are also things that deviate from the teachings of Islam.
Analisis Faktor-Faktor yang Mempengaruhi Kualitas Pembiyaan Nasabah dalam Program Relaksasi Pandemi Covid-19 di PT Bank Sumut Syariah Kantor Cabang Pembantu H.M. Joni Fitri Rahmadani Harahap; Nurul Jannah
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 1 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi, dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

PT Bank Sumut utilizes the stimulus or relaxation from this regulator to help ease the burden on customers and at the same time mitigate potential credit risk. The extension of the restructuring policy is expected to help ease debtors in carrying out their obligations during the COVID-19 pandemic. This study aims to analyze what factors affect the quality of customer financing in the COVID-19 pandemic relaxation program at PT Bank Sumut Syariah KCP HM. Joni. The implementation of this restructuring also has an impact on the quality of financing productive assets, especially at KCP Syariah HM Joni. The Collectibility Ratio, NPF and Number of Non-Performing Customers have decreased (improved) since May 2020 both Collectibility 2 and Collectability 3,4, and 5. Several factors causing the decline in debtor collectibility of the Covid-19 Pandemic Relaxation Program are caused by several Economic Factors, Debtor Factors and Bank Internal Factors and other External Factors.
Penerapan Akad Murabahah untuk Pembiayaan Renovasi Rumah pada Kantor Kas PT BPRS Amanah Bangsa Sidamanik Putri Shakinah; Ahmad Perdana Indra
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 1 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi, dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

Thisostudyofocuses on theoapplication ofomurabahahocontracts to finance home renovations at the PT BPRS Amanah Bangsa sidamanik cash office. The purposeoof this studyois to find out how the implementation of the Murabahah contract for financingohome renovations and to find out what are the benefits of implementing the Murabahah contract for financing home renovations to customers. The research method used is a library studio by collecting data and utilizing theories related to the problems to be discussed, which are produced from various books related to the study. And also field studies by conducting questions and answers to parties related to this research. The results show that 1) Banks are sellers of raw materials for home renovations and customers are buyers. The bank provides the materials desired by the customer by buying the raw material from the seller/supplier, then selling it to the buyer (customer) at a price different or higher than the purchase price made by Islamic banks 2) There are benefits when using a Murabahah contract in renovation house, namely: avoiding usury, and installment payments are automatically deducted via debit accoun
Peranan Tabungan Marhamah Terhadap Peningkatan Kepuasan Nasabah di Bank SUMUT Syariah Kota Tebing Tinggi Pardamean Siregar
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 1 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi, dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Tabungan Mudharabah Marhamah merupakan salah satu dari Bank SUMUT Syariah KCSyTebing Tinggi Dengan memanfaatkan akad mudharabah muthlaqah, ini menyaratkan bahwa klien memenuhi syarat untuk mendapatkan manfaat sesuai dengan bagian pembagianyang disepakati. item ini berarti memahami standar klien di kemudian hari. Setiap item menikmati manfaat dan ketidaknyamanannya sendiri, ini harus terlihat dari sistem yang ada di item ini. Diantaranya adalah instrumen pembukaan buku dana cadangan, komponen toko, sistem penarikan dan instrumen penutupan rekening bank marhamah. Instrumen ini penting agar semua siklus yang terkait dengan dana cadangan ini dapat berjalan dengan baik dan metodis. Selain itu, sistem ini juga sangat akomodatif dalam memfasilitasi yang dibuat oleh perwakilan bank yang menangani dana cadangan tersebut dan memudahkan nasabah untuk melakukan penukaran dana investasi Marhamah di Bank Sumut Syariah KCSy Tebing Tinggi
Implementasi Manajemen Syariah Pegadaian dalam Gadai Emas pada PT Pegadaian (Persero) Cabang CPS Kuala Simpang Muhammad Faisal Alfarisyi; Zainarti Zainarti
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 1 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi, dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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This study aims to examine the management of Sharia Pegadaian in building consumer trust in gold pawning. This study used qualitative research methods. The data collection technique used are interview documentation studies. Data analysis uses reduction techniques, data presentation and conclusion drawing. The results of the study indicate that Sharia management at Pegadaian has been running in increasing consumer confidence in gold pawning. The evidence comes from the increasing number of consumers for gold pawning every month at the Kartini Sharia Pawnshop. Motivation and support of the Kartini Sharia Pawnshop Branch Leader makes employees feel happy and comfortable so that employee performance can be maintained to the maximum. This consumer trust can be seen from the attitudes and interests of consumers who transact at Kartini Sharia Pawnshop. In addition to gold pawning, consumers can also invest in gold, purchase motorized vehicles, pilgrimage, and pay for electricity, telephone, water and insurance at Pegadaian. Like the motto of Pegadaian overcoming problems without problems. This research is useful in providing input to maintain consumer trust in the withdrawal of consumer savings for the nearest area, especially Denpasar, especially for institutions, traders and micro and medium business owners. Therefore, it is expected that further researchers will discuss more about ways to increase consumers for gold pawns and other products in a more modern way along with the era that continues to advance.
Faktor-faktor yang Mempengaruhi Kenaikan Jumlah Pembiayaan pada BSI KCP Kampung Pajak Indah Wahyuni; Muhammad Lathief Ilhamy Nasution
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 1 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi, dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Penelitian ini menganalisis tentang apa saja yang menjadi faktor faktor lain yang mempengaruhi jumlah kenaikan pembiayaan pada Bank Syariah Indonesia terumata di BSI Kampung Pajak. Apa saja faktor eksternal dan faktor internal nya dan mengapa hal itu bisa terjadi. Penelitian ini menggunakan pendekatan penelitian Kualitatif Deskriptif yang pengumpulan datanya melalui hasil wawancara dan observasi, serta menggunakan sumber data primer dan sekunder. Hasil dari penelitian ini adalah Hasil menunjukkan Faktor-faktor yang mempengaruhi kenaikan jumlah pembiayaan di BSI Kampung Pajak adalah Tingkat Bagi Hasil, Dana Pihak Ketiga, Non Performing Financing (NPF), Return On Asset (ROA) dan rasio Biaya Operasional dan Pendapatan Operasional (BOPO). ROA dan BOPO yang merupakan gambaran tingkat rentabilitas bank tidak memiliki pengaruh yang signifikan karena dana yang disalurkan untuk pembiayaan sebagian besar berasal dari Dana Pihak Ketiga (DPK) dan bukan berasal dari profit yang diperoleh bank.
Implementasi Tambahan Penghasilan Pegawai dalam Meningkatkan di Kinerja Lingkungan Pemerintahan Kabupaten Deli Serdang Tita Aldasari Hasibuan
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 1 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi, dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Tujuan dari penelitian ini adalah untuk mengetahui dan menjabarkan pelaksanaan pemberian tambahan penghasilan aparatur sipil Negara (ASN) pedoman di Kabupaten Deli Serdang, jenis penelitian ini adalah deskriptif kualitatif. Dan teknik data yang digunakan adalah observasi, wawancara dan juga metode dokumentasi. Dengan objek yang diteliti adalah ASN yang berada lingkungan pemerintah Kabupaten Deli Serdang. Hasil dari penelitian yaitu: 1) syarat pemberian TPP pada ASN di lingkungan pemerintah Kabupaten Deli Serdang berdasarkan penetapan bobot jabatan, aspek perilaku kerja dan aspek prestasi keraja, sebagaiman tertuang dalam peraturan Bupati Deli Serdang nomor 8 tahun 2021. 2) mekanisme pemberian TPP di lingkungan pemerintah Kabupaten Deli Serdang telah dilaksanakan sesuai dengan standar oparasional untuk meningkatkan kesejahtraan ASN di lingkungan pemerintah Kabupaten Deli Serdang, yaitu berdasarkan Pedoman Pemberian Tambahan Penghasilan Pegawai Aparatur Sipil Negara Di Lingkungan Pemerintah Kabupaten Deli Serdang.
Strategi Pemasaran Produk Tabungan iB Muamalat Haji pada PT Bank Muamalat Indonesia KCP Rantauprapat Muhammad Ravi Akbar; Nurul Jannah
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 1 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi, dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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The purpose of this study was to determine the marketing strategy of the iB Muamalat Haji Savings product at Bank Muamalat KCP Rantauprapat. This research is a type of descriptive research using a qualitative approach. Information obtained from the results of interviews, literature review sourced from journals and critical thinking from the author. Based on the results of the author's research at PT Bank Muamalat KCP Rantauprapat. So what can be concluded from the company where the author carries out practical internship work, namely as follows; Bank Muamalat is one of the first Islamic banks established in Indonesia in 1991, which focuses on financing Hajj savings and other large projects. Just like Banks in general, they can also make Deposits, Current Accounts and Savings; PT Bank Muamalat KCP Rantauprapat is a bank that operates based on sharia principles in accordance with the regulations set by the government. This is reinforced by every transaction with customers using contracts such as Mudharabah, Murabahah, Musyarakah, Ijarah.
Preferensi Masyarakat Terhadap Produk Gadai di Pegadaian Syariah (Studi Kasus Unit Gadai Emas Cabang Kota Pinang) Muliani Putri
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 1 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi, dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Diversification of Islamic pegadaianing products as a form of service to encourage customer preferences for Islamic pegadaianing, one of which is the gold pawn product. This makes product marketing strategy the most important part, and an important stage of marketing is analyzing customer behavior. On this basis, this study focuses on the factors that influence the preference of pawning gold customers of the Pinang Branch Gold Pawn Unit. By testing and analyzing 5 (five) factors that are believed to influence the preferences of Gadai Emas customers, namely belief, religion, profit, service and promotion. This research is a field study using a qualitative approach, based on primary and secondary data from observations and interviews with pegadaian management, using a simple purposeful sampling method. The data analysis technique used is frequency analysis, which is to test the level of validity and reliability of the questionnaire data. The answer to this research problem was found, namely five factors of preference for gold pawning customers have an influence in pawning gold at the Pinang City Pawn Gold Branch Unit, the factors sequentially are as follows: religious and trust with high scores then profit, service, and promotion.

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