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<![CDATA[Implementation of Sharia Marketing to increase Millennial Interest in Financing: Evidence on BSI Dharmawangsa Branch Office ]]>
<![CDATA[Yudha, Ana Toni Roby Candra]]>;
<![CDATA[Zulfiah, Hilya]]>;
<![CDATA[Atho'illah, Akh. Yunan]]>
<![CDATA[ Etihad: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2024) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Ponorogo ]]>
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DOI: 10.21154/etihad.v4i1.8583
<![CDATA[Bank Syariah Indonesia (BSI provides BSI Griya Simuda financing that has been tailored to the needs and abilities of the millennial generation. Marketing carried out in Islamic financing must be in accordance with the provisions of Islamic sharia. So this research aims to find out the implementation and evaluation of online and offline sharia marketing in increasing millennial interest in financing of BSI Griya Simuda.. Research Methods: This research approach uses a qualitative approach, by analysing data obtained from interviews, observation and documentation. Results: The results of this research show that in marketing BSI Griya Simuda financing in managerial and operational had carried out online and offline have applied the principles of sharia marketing and the characteristics of sharia marketing, namely theistic (rabbaniyyah), ethical (akhlaqiyyah), realistic (al-waqiyyah) and humanitis (al-insaniyah). Conclusion:Then the results of the evaluation found that the millennial generation's interest in BSI Griya Simuda financing is good, but in marketing there are obstacles and challenges, namely there are still efforts to compare conventional banks with Islamic banks in terms of prices and products. ]]>
<![CDATA[PRODUCT Product and Service Development Strategies on Murabahah Contracts to Improve The Existence of BMT Hasanah ]]>
<![CDATA[Mukaromah, Ni`matul Fitria]]>;
<![CDATA[Rofiah, Khusniati]]>;
<![CDATA[Futaqi, Faruq Ahmad]]>
<![CDATA[ Etihad: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2024) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Ponorogo ]]>
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DOI: 10.21154/etihad.v4i1.8962
<![CDATA[Introduction: Many financial institutions have developed in Ponorogo, conventional and sharia. BMT Hasanah is present as a Sharia microfinance institution that often helps households and UMKM. Even though there is much competition, BMT Hasanah can continue to show its existence. This research aims to determine product and service development strategies, especially in murabahah contracts. Research Methods: This research aims to determine product and service development strategies, especially in murabahah contracts. The research uses a qualitative approach using primary data in the form of interviews and observations and secondary data obtained from archival documents and the internet. Results: The results of this research show that BMT Hasanah is responsive in responding to customer product requests. The murabahah products provided are always up to date with straightforward guarantees. Apart from that, BMT Hasanah provides maximum service in terms of installment payments. Customers are visited using a pick-up system and also serve an installment system by transfer. Conclusion: With this strategy, BMT Hasanah not only increases competitiveness and revenue but also increases customer satisfaction, which ultimately strengthens its existence.]]>
<![CDATA[The Effect of Macroeconomic Variables on Stock Returns of The Jakarta Islamic Index: A Panel Vector Error Correction Model Approach ]]>
<![CDATA[Budi, Bagus Setiyo]]>;
<![CDATA[Faizin, Moh.]]>
<![CDATA[ Etihad: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2024) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Ponorogo ]]>
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DOI: 10.21154/etihad.v4i1.9019
<![CDATA[Introduction: This study was conducted because there were differences in stock return trends in JII during 2016-2018, where stock return movements simultaneously decreased, but different conditions occurred in 2019-2022, where trend returns experienced different conditions between companies. This was caused by the domino effect of the Covid-19 Pandemic, which resulted in changes in Indonesia's BI Rate and Inflation. Thus, this study aims to analyze the long and short-term effects of BI Rate and Inflation on changes in the return of company shares in JII. Research Methods: This study uses the Panel Vector Error Correction Model (VECM) method, secondary data in the form of a Panel of Stock Return of 4 companies, BI Rate and Inflation during 2016-2022. Results: The long and short-term results in the previous two and three-quarters of the BI Rate were significantly positive for stock returns. While in the long and short term, inflation was significantly negative for stock returns. Conclusion: The research found that the BI Rate does not always negatively affect return. When the BI Rate increases, it gives investors confidence that the value of their investment is protected from depreciation. This can create a positive environment for the stock market so that it has an impact on rising stock prices.]]>
<![CDATA[Performance Analysis of Islamic Banks Using Error Correction Model ]]>
<![CDATA[Addury, Multazam Mansyur]]>;
<![CDATA[GH, Nur Hishaly]]>;
<![CDATA[Izzaturrahman, Muh. Dzulfikar]]>;
<![CDATA[Pangestu, Dian Resky]]>
<![CDATA[ Etihad: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2024) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Ponorogo ]]>
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DOI: 10.21154/etihad.v4i1.9336
<![CDATA[Introduction: The analysis of Islamic banking performance is a frequent subject of discussion in various literature. One factor that makes Islamic banks an exciting object of research is their role as Sharia-based intermediary institutions and their contribution to the effectiveness of monetary policy. This study aims to analyze the impact of CAR, NPF, FDR, and BOPO on the performance of Islamic banks measured by ROA and NOM. Research Methods: This quantitative research uses secondary data from Islamic Banking Statistics covering the period from January 2015 to December 2023. The data analysis technique employed is the Error Correction Model (ECM). Results: The results indicate that out of the four variables examined, only BOPO has a significant impact on the performance of Islamic banks. Conclusion: This finding suggests that efficiency in managing operational costs is a crucial factor in enhancing the financial performance of Islamic banks. The lower the BOPO, indicating higher cost efficiency, the better the performance of Islamic banks in terms of profitability as measured by ROA and NOM.]]>
<![CDATA[Effectiveness of Financing in Supporting MSME Development at PT Pegadaian UPS Kwanyar ]]>
<![CDATA[Firdaus, Rifqi]]>;
<![CDATA[Makhtum, Ahmad]]>
<![CDATA[ Etihad: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2024) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Ponorogo ]]>
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DOI: 10.21154/etihad.v4i1.9400
<![CDATA[Introduction: This research aims to analyze the effectiveness of financing in supporting MSME development at PT Pegadaian UPS Kwanyar. Research Methods: This research uses a descriptive case study approach to describe the efficiency and challenges of KUR Syariah at PT Pegadaian UPS Kwanyar. Data was collected through direct observation and interviews with the company and the MSME players. The data was then analyzed qualitatively using descriptive analysis. Results: The results reveal that the KUR Syariah program at PT Pegadaian UPS Kwanyar effectively supports MSME capital by implementing strict procedures such as timeliness, accuracy of amount, accuracy of target, and accuracy of credit. MSMEs that use KUR Syariah report increased income and productivity, although they still face challenges such as product limitations, low user interest, a complicated application process, and a lack of direct promotion. Conclusion: Improvements in the application process and promotion are needed to increase the utilization of KUR Syariah by MSMEs in Bangkalan City.]]>
<![CDATA[Evaluating the Effect of Mudharabah and Murabahah Financing on Return on Assets Mediated by Non-Performing Financing at BMT Hasanah Ponorogo ]]>
<![CDATA[Febriana, Indri]]>;
<![CDATA[Ulya, Husna Ni’matul]]>
<![CDATA[ Etihad: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2024) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Ponorogo ]]>
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DOI: 10.21154/etihad.v4i1.9458
<![CDATA[Introduction: This study explores how mudharabah and murabahah financing affect Return on Asset (ROA) and the role of Non-Performing Financing (NPF) as an intervening variable at BMT Hasanah Ponorogo. Research Methods: This study employs regression analysis with NPF as an intervening variable. The data analyzed are the quarterly financial reports of BMT Hasanah Ponorogo from 2019 to 2023, focusing on the relationships between mudharabah financing, murabahah financing, ROA, and NPF. Results: The analysis reveals that mudharabah and murabahah financing significantly impact ROA directly and through NPF as an intervening variable. An increase in financing can enhance ROA, with NPF mediating the relationship between financing and ROA. Conclusion: This study finds that mudharabah and murabahah financing affect ROA, with NPF as an intervening variable. Effective risk management in financing is crucial for improving ROA at BMT Hasanah Ponorogo.]]>
<![CDATA[The Impact of Environmental Management Accounting on Sustainable Business Outcomes: Quantitative Evidence from Multinational Corporations ]]>
<![CDATA[Rahmawati, Yunaita]]>;
<![CDATA[Amri, Muhtadin]]>
<![CDATA[ Etihad: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2024) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Ponorogo ]]>
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DOI: 10.21154/etihad.v4i1.9646
<![CDATA[Introduction: This research examines the impact of Environmental Management Accounting (EMA) on sustainable business outcomes in multinational companies. There is a knowledge gap regarding the specific influence of EMA on various sustainability performance indicators. Research Methods: This study uses quantitative methods by analysing data from 50 multinational companies listed on the stock exchange during the period 2018-2023. Results: The results show that the implementation of EMA has a positive and significant impact on energy efficiency and carbon emission reduction, but has no significant impact on green product innovation. Companies that integrate EMA into their operations show a 15% increase in energy efficiency and a 10% decrease in carbon emissions compared to companies that do not implement EMA. There is no strong evidence that EMA significantly drives green product innovation. Conclusion: These findings suggest that EMA can be an effective tool for multinational companies to improve sustainability performance through more efficient resource management and reduced environmental impacts.]]>
<![CDATA[Implementation of Sharia Marketing to increase Millennial Interest in Financing: Evidence on BSI Dharmawangsa Branch Office ]]>
<![CDATA[Yudha, Ana Toni Roby Candra]]>;
<![CDATA[Zulfiah, Hilya]]>;
<![CDATA[Atho'illah, Akh. Yunan]]>
<![CDATA[ Etihad: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2024) ]]>
Publisher : <![CDATA[UIN Kiai Ageng Muhammad Besari Ponorogo ]]>
Show Abstract
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Download Original
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Original Source
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Check in Google Scholar
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DOI: 10.21154/etihad.v4i1.8583
<![CDATA[Bank Syariah Indonesia (BSI provides BSI Griya Simuda financing that has been tailored to the needs and abilities of the millennial generation. Marketing carried out in Islamic financing must be in accordance with the provisions of Islamic sharia. So this research aims to find out the implementation and evaluation of online and offline sharia marketing in increasing millennial interest in financing of BSI Griya Simuda.. Research Methods: This research approach uses a qualitative approach, by analysing data obtained from interviews, observation and documentation. Results: The results of this research show that in marketing BSI Griya Simuda financing in managerial and operational had carried out online and offline have applied the principles of sharia marketing and the characteristics of sharia marketing, namely theistic (rabbaniyyah), ethical (akhlaqiyyah), realistic (al-waqiyyah) and humanitis (al-insaniyah). Conclusion:Then the results of the evaluation found that the millennial generation's interest in BSI Griya Simuda financing is good, but in marketing there are obstacles and challenges, namely there are still efforts to compare conventional banks with Islamic banks in terms of prices and products. ]]>
<![CDATA[PRODUCT Product and Service Development Strategies on Murabahah Contracts to Improve The Existence of BMT Hasanah ]]>
<![CDATA[Mukaromah, Ni`matul Fitria]]>;
<![CDATA[Rofiah, Khusniati]]>;
<![CDATA[Futaqi, Faruq Ahmad]]>
<![CDATA[ Etihad: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2024) ]]>
Publisher : <![CDATA[UIN Kiai Ageng Muhammad Besari Ponorogo ]]>
Show Abstract
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DOI: 10.21154/etihad.v4i1.8962
<![CDATA[Introduction: Many financial institutions have developed in Ponorogo, conventional and sharia. BMT Hasanah is present as a Sharia microfinance institution that often helps households and UMKM. Even though there is much competition, BMT Hasanah can continue to show its existence. This research aims to determine product and service development strategies, especially in murabahah contracts. Research Methods: This research aims to determine product and service development strategies, especially in murabahah contracts. The research uses a qualitative approach using primary data in the form of interviews and observations and secondary data obtained from archival documents and the internet. Results: The results of this research show that BMT Hasanah is responsive in responding to customer product requests. The murabahah products provided are always up to date with straightforward guarantees. Apart from that, BMT Hasanah provides maximum service in terms of installment payments. Customers are visited using a pick-up system and also serve an installment system by transfer. Conclusion: With this strategy, BMT Hasanah not only increases competitiveness and revenue but also increases customer satisfaction, which ultimately strengthens its existence.]]>
<![CDATA[The Effect of Macroeconomic Variables on Stock Returns of The Jakarta Islamic Index: A Panel Vector Error Correction Model Approach ]]>
<![CDATA[Budi, Bagus Setiyo]]>;
<![CDATA[Faizin, Moh.]]>
<![CDATA[ Etihad: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2024) ]]>
Publisher : <![CDATA[UIN Kiai Ageng Muhammad Besari Ponorogo ]]>
Show Abstract
|
Download Original
|
Original Source
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Check in Google Scholar
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DOI: 10.21154/etihad.v4i1.9019
<![CDATA[Introduction: This study was conducted because there were differences in stock return trends in JII during 2016-2018, where stock return movements simultaneously decreased, but different conditions occurred in 2019-2022, where trend returns experienced different conditions between companies. This was caused by the domino effect of the Covid-19 Pandemic, which resulted in changes in Indonesia's BI Rate and Inflation. Thus, this study aims to analyze the long and short-term effects of BI Rate and Inflation on changes in the return of company shares in JII. Research Methods: This study uses the Panel Vector Error Correction Model (VECM) method, secondary data in the form of a Panel of Stock Return of 4 companies, BI Rate and Inflation during 2016-2022. Results: The long and short-term results in the previous two and three-quarters of the BI Rate were significantly positive for stock returns. While in the long and short term, inflation was significantly negative for stock returns. Conclusion: The research found that the BI Rate does not always negatively affect return. When the BI Rate increases, it gives investors confidence that the value of their investment is protected from depreciation. This can create a positive environment for the stock market so that it has an impact on rising stock prices.]]>
