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Banco: Jurnal Manajemen dan Perbankan Syariah
Published by Institut Agama Islam Negeri Parepare
ISSN : 26849534     EISSN : 26848643     DOI : -
Core Subject : Religion, Economy, Humanities, Social,
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences
Banco: Jurnal Manajemen dan Perbankan Syariah publishes original works that contribute to scientific discussion of Sharia Economic, Management and Bisnis Sharia, Sharia Banking, Economic Development, Sharia Finance and Accounting, Management and Economic any related issues. The works on the issues of world religions and global societies are welcome. Submissions are welcome not only from scholars of religious studies and Islamic studies, but also political scientists, legal scholars, economists, anthropologists. All submissions must not be previously published elsewhere.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 83 Documents
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Pengaruh Layanan ATM dan Mobile Banking terhadap Loyalitas Nasabah Bank Sulselbar Cabang Sinjai Nurul Fadhilah; Damirah
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 2 No 2 (2020): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (369.928 KB) | DOI: 10.35905/banco.v2i2.1808

Abstract

This study aims to determine the effect partially and simultaneously service variables Reliability (Reliability), Responsiveness (Responsiveness), Assurance (Assurance), Empathy (Empathy) and Tangible (Physical Evidence) on customer loyalty of Bank Sulselbar Sinjai Branch. This research is a type of quantitative research with descriptive methods and a survey on the company. The population in this study were customers of Bank Sulselbar Sinjai Branch who use ATM and Mobile Banking products, with determining the type of sample using the Slovin formula. The data collection used in this research is a questionnaire / questionnaire. The method used to test the hypothesis is to use correlation analysis between variables, statistical analysis, multiple regression analysis test, and statistical test. The results showed: based on the partial test results or T test that the variable Responsiveness (Responsiveness) (X2) with a significant value of 0.001 <0.05 and the value of tcount (3,424)> t table (1.994) and the variable Reliability (Reliability) significant value 0.042 <0.05 and tcount (2.074)> t table (1.994) has a significant effect on customer loyalty (Y). Meanwhile, the Assurance variable (X3) with a significant value of 0.955> 0.05 and the value of tcount (0.065) <ttable (1.994), Empathy (Empathy) (X4) with a significant value of 0.065> 0.05 and tcount (- 1.873) <t table (1.994) and Tangible (Direct Evidence) (X5) with a significant value of 0.069> 0.05 and the value of tcount (1.847) <t table (1.994) had no significant effect. Based on the results of simultaneous testing or the F test, it shows that technology-based product service variables affect customer loyalty (Y) together
Mekanisme Pelaksanaan Undian Nasabah di BRI Cabang Barru reski anugrah; Hannani; Ali Rusydi
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 1 No 2 (2019): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (494.375 KB) | DOI: 10.35905/banco.v2i2.1809

Abstract

Undian disebut juga dengan qurʻah yang berarti upaya memilih sebagian pilihan dari keseluruhan pilihan yang tersedia itu memiliki kemungkinan yang sama besarnya untuk terpilih. Undian merupakan upaya yang paling mampu menjauhkan unsur keberpihakan dalam memilih dan dapat dilakukan untuk maksud-maksud yang beragam dan luas, bisa untuk maksud perjudian dan bisa pula untuk maksud-maksud yang jauh sama sekali dari perjudian. Penelitian ini menggunakan penelitian kualitatif. Dengan menggunakan penelitian ini menghasilkan data deskriptif. Metode ini bertujuan untuk menggambarkan secara terperinci dan kemudian menganalisa hasil data yang terkumpul. Penelitian ini dilakukan untuk mengetahui mekanisme pelaksanaan undian dari segi etika ekonomi Islam di BRI Cabang Barru. Hasil penelitian ini menunjukkan bahwa: 1). Mekanisme pelaksanaan undian nasabah di BRI Cabang Barru telah dilakukan dengan baik dan sesuai dengan Standar Operasional Perusahaan dan adapun syarat-syaratnya adalah: Memiliki Rekening Simpedes, Saldo mengendap minimal 1 bulan, telah mendapatkan Izin dari Depsos, Penentuan pemenang dilakukan secara komputerisasi, disaksikan oleh pejabat-pejabat, Notaris, Depsos dan pihak Kepolisian; 2). Penerapan etika ekonomi Islam dalam mekanisme pelaksanaan undian nasabah di BRI Cabang Barru dianggap sesuai dengan prinsip-prinsip etika ekonomi Islam yaitu : 1). Prinsip kesatuan (unity), 2). Keseimbangan (equilibrium), 3). Kehendak bebas (freewill), 4). Bertanggung jawab (responsibility), 5). Kebaikan (benevelonce).
Penerapan Akad Kafalah pada Jasa Garansi Bank BTN Syariah Parepare Suwandi Kusnaedi; Muhammad Kamal Zubair; Zainal Said
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 2 No 2 (2020): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (207.594 KB) | DOI: 10.35905/banco.v2i2.1810

Abstract

Kafalah is a guarantee given by a bank to certain parties, be it an individual, company, body or other institution in the form of a guarantee letter. The purpose of providing the guarantee is that the bank guarantees that it will pay or accept the obligations of the party that is guaranteed to the party who received the guarantee, if in the future the guarantor does not fulfill the obligations of the other party in accordance with the agreement. In the services of Bank BTN Syariah using two contracts, namely kafalah and wadi'ah. In the kafalah (guarantee) contract, the bank becomes a kafil for the customer who becomes full to bear the obligations to a party. This study uses a qualitative method. The data in this study were obtained from primary data and secondary data. With data collection techniques, namely observation, interviews, and study documentation The results of this study indicate that several things have occurred: in the guarantee mechanism there are 3 (three) parties involved, namely, the bank as the guarantor, the guarantor (the customer requesting the guarantee), and the guarantee recipient. The implementation of guarantee services at Bank BTN Syariah Parepare is carried out in several stages, namely: the application stage, the analysis stage, the processing stage, and the issuance of the guarantee, as well as the guarantee completion stage. The implementation of guarantee services at Bank BTN Syariah Parepare runs and is carried out properly by referring to the National Sharia Council (DSN) Fatwa Number: 11 / DSN-MUI / IV / 2000 concerning Kafalah. Bank BTN Syariah Parepare provides a fast service system (one day service) in issuing guarantees. With the issuance of a guarantee, it is very beneficial for both Bank BTN Syariah Parepare and for customers (principals) as users of guarantee service products. The impact for Bank BTN Syariah Parepare is that the bank receives income from the issuance of guarantees, thereby increasing the company's fee-based income. Whereas the customer (principal) can obtain a guarantee facility without requiring a large amount of collateral or cash collateral allocation, only being obliged to pay the following costs: premium costs, insurance costs, administrative costs and stamp duty fees
PENERAPAN MANAJEMEN PERSEDIAAN DALAM MENGANTISPASI KERUGIAN BARANG DAGANGAN DI TOKO MEGA JILBAB Haslinda; A. Sri Iriani; Muhammad Ardi; Zulkifli
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 2 No 2 (2020): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (221.687 KB) | DOI: 10.35905/banco.v2i2.1811

Abstract

This study aims to determine the application of merchandise inventory management and to determine the efforts made in anticipating the loss of merchandise at Mega Jilbab Stores. The type of research used is field research using a qualitative approach and as a source of informants in this study, namely the owner of the Mega Jilbab and the Employees. The results showed that the Mega Jilbab Shop had not implemented inventory management optimally. This can be seen from the absence of special consideration by the owner in providing merchandise that will be marketed on weekdays. The owner only considers the needs of the community which are expected to increase ahead of holidays such as Eid al-Fitr and Eid al-Adha, where the owner provides a larger number of goods than usual. To re-order, the owner orders goods from the Mega Jilbab Shop which is a branch businesses that produce goods and for goods that cannot be produced independently, the owner orders goods at the sultan's shop Tanah Abang Jakarta
Persepsi Masyarakat Adiwerna dalam Perkembangan Lembaga Keuangan Syariah terhadap Minat Menggunakan Bank Syariah Naela Himatutsaroya; Sylviana Salsabila Sylvi; Sekar Ayu Lestari
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 3 No 1 (2021): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v3i1.1869

Abstract

The development of the era which is increasingly advanced in various field cannot be separated from the development of bank which are not only conventional banks but the emergence of Islamic Bank. Islamic banks exist to meet the needs of society, especially the Muslim community. There are some people who don't even know about the perceptions of Islamic financial institutions. With this research, it is hoped that it will be able to answer problems such as low public knowledge of Islamic financial institutions. The purpose of this research is to determine the public's perception of Islamic financial institutions regarding the interest in using Islamic banks. This type of research uses descriptive qualitative methods by taking 25 informants as samples. The data technique uses observation, interview and documentation methods. The results obtained from this study are people in Adiwerna who already understand Islamic banking but they do not really understand fundraising products even though they have an interest in using Islamic banking.
Analisis Pengaruh Memutuskan Menjadi Nasabah Bank Syariah Sragen dengan Kepercayaan Sebagai Variabel Intervening Ika Yulianti
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 3 No 2 (2021): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v3i2.2036

Abstract

This study aims to analyze what factors are able to influence the customer's decision to choose Syaiah Bank Sragen with the variables of consumer knowledge, halal lifestyle, and bank reputation on the decision to become a Sragen sharia bank customer with trust as an intervention variable. In this research, quantitative method. The data used is primary data, through the distribution of questionnaires to the respondents, namely the customers of Sharia Bank Sragen as many as 100 respondents. This hypothesis is a multiple linear regression analysis research with t test, f test and deter coefficient test (Adjuster R2) which is processed with SPSS version 24 program. The results of this study state that halal lifestyle and bank reputation have a positive and significant impact on the decision to become a customer of Bank Sragen Syariah. . Meanwhile, consumer knowledge has no effect on the decision to become a customer. Trust has a positive and significant effect on the decision to become a customer. And consumer knowledge and reputation also have a positive and significant impact on trust. And trust is able to mediate consumer knowledge and bank reputation on the decision to become a custome
Uji Beda Rata-Rata Penerapan Corporate Social Responsibility Sebelum dan Saat Pandemi Covid-19 Pada Bank Syaria Erna Kurniya Wati Erna; Endang Kartini Panggiarti
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 3 No 1 (2021): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v3i1.2143

Abstract

Corporate Social Responsibility is a social and environmental responsibility that must be carried out by companies, one of these companies is Islamic banking. This study aims to test whether there is an average difference in the implementation of Corporate Social Responsibility between before and during the Covid-19 pandemic at Bank Syariah Mandiri. This research is quantitative research using empirical studies. The data in this study uses secondary data obtained from the Annual Reports in 2019 and 2020. From this study, it was found that Bank Syariah Mandiri and Laznas-BSM collaborated in distributing Corporate Social Responsibility funds. The distribution is carried out with programs that are beneficial to the community such as the Mitra Umat, Educate Umat, and Simpati Umat. In addition to implementing the Corporate Social Responsibility program as set out, Bank Syariah Mandiri also contributed to dealing with the Covid-19 pandemic by distributing various kinds of assistance in the form of distribution of Personal Protective Equipment (PPE), masks, and food packages. Based on the results of the average difference test that has been carried out using the Pairet t-test, so it is known that there is an average difference in the distribution of Corporate Social Responsibility funds at Bank Syariah Mandiri before and during the Covid-19 pandemic. For further research regarding the distribution of Corporate Social Responsibility funds, it is expected to examine between before and after the Covid-19 pandemic is over.
Implementasi Pembiayaan Bai’ Bitsaman Ajil di BMT Nurul Iman Bungi Kabupaten Pinrang Hasnina Hasnina
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 3 No 1 (2021): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v3i1.2154

Abstract

The only productive financing product developed by BMT Nurul Iman Bungi is financing for the procurement/sale of goods. This financing is intended for the community or customers in order to improve welfare, by helping to provide funds or lack of customer funds. Ba'i Bitsaman Ajil (BBA) financing transacts on the sale of goods by stating the cost and profit (margin) agreed upon by the seller (BMT) and the buyer (customer) whose payment can be made in installments or due. The purpose of the study is to find out how implementation and calculation mechanism for Bai' Bitsaman Ajil financing installments at BMT Nurul Iman Bungi. The type of research used in this thesis is descriptive qualitative method, the data in this study were obtained from primary and secondary data. The data collection techniques used were observation, interviews, and documentation, while the data analysis techniques used were data reduction, data presentation and verification. The results of this study indicate that: 1). In the implementation of Bai' Bitsaman Ajil financing, BMT is not a pure seller who provides goods for customers' needs, before making a Bai' Bitsaman Ajil contract to customers, BMT's position here is as a financing institution that provides funds. Bai' Bitsamanil Ajil (BBA) financing in practice adds a wakalah/representative contract in it to make it easier for both parties. 2). The mechanism for calculating the installments in Bai' Bitsaman Ajil financing is carried out in installments according to the agreement of both parties with the amount of installments adjusted to the ability of prospective customers to pay installments. The profit margin system used is a flat profit margin for monthly/weekly installments and an annuity profit margin for seasonal installments.
Persepsi Masyarakat Muslim Paleteang Pinrang terhadap Eksistensi Bank Syariah sri wahyuni ibrahim
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 3 No 1 (2021): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v3i1.2155

Abstract

Perception is a process that involves the entry of messages or information in the human brain continuously in contact with the environment through the senses. One of the reasons why perception is so important when it comes to interpreting our surroundings is that each of us perceives but perceives differently. For this reason, this study aims to find out how the public's perception of the existence of Islamic banks in Pacongang Village, Paleteang District, Pinrang Regency and the factors that influence perceptions in determining the choice of Islamic banks. The results of this study indicate that the public's knowledge of Islamic banks, most of the people only know about Islamic banks without understanding it. There are still many people who do not understand the concept of Islamic banking. While there are 2 factors, namely internal and external factors that affect perception. Where internal factors include the value offered by Islamic banks, while those included in external factors are the lack of information reaching the public and the difficulty of finding Islamic banks. Keywords: Kafalah, Guarantee, Sharia Banking
Strategi Marketing Funding dalam Meningkatkan Jumlah Nasabah di Bank BNI Syariah Parepare hardiyanti tahir; Zainal Said; Marhani
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 3 No 2 (2021): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v3i2.2156

Abstract

Penelitian ini membahas tentang Strategi Marketing Funding dalam Meningkatkan Jumlah Nasabah di Bank BNI Syariah Parepare. Strategi pada suatu bank merupakan hal yang sangat penting karena dengan adanya strategi yang baik akan mempermudah pekerjaan utamanya bagi seorang marketing funding dimana seorang marketing funding bertanggung jawab untuk meningkatkan jumlah nasabah bank. Terkait dengan hal tersebut tujuan dari penelitian ini adalah untuk mengetahui Strategi Marketing Funding dalam Meningkatkan Jumlah Nasabah di Bank BNI Syariah Parepare.. Jenis penelitian yang digunakan dalam skripsi ini adalah metode deskriptif kualitatif, sumber data penelitian yaitu data primer merupakan data yang diperoleh langsung di lapangan berdasarkan wawancara dengan informan yakni dengan nasabah dan karyawan funding Bank BNI Syariah Parepare dan data sekunder diperoleh dari beberapa sumber pendukung seperti buku, jurnal dan sumber data lainnya yang terkait dengan judul penelitian. Teknik pengumpulan data yang digunakan adalah observasi, wawancara, dan dokumentasi. Adapun teknik analisis data yang digunakan yaitu reduksi data, penyajian data, dan penarikan kesimpulan. Teori strategi yang digunakan dalam penelitian ini yaitu perencanaan, implementasi dan evaluasi. Hasil penelitian ini menunjukkan bahwa: 1) Perencanaan strategi yang dilakukan marketing funding dalam meningkatkan jumlah nasabah di BNI Syariah Parepare adalah dengan menentukan tujuan sasaran terlebih dahulu, adapun tujuan sasaran dari marketing funding BNI Syariah Parepare adalah Instansi dan Nasabah perorangan. 2) Implementasi strategi yang dilakukan marketing funding untuk mencapai tujuan sasaran tersebut adalah dengan melakukan sosialisasi ke istansi dan untuk nasabah perorangan dilakukan dengan cara melakukan kunjungan langsung door to door untuk meperkenalkan produk BNI Syariah. 3) Evaluasi strategi yang dilakukan marketing funding di BNI Syariah Parepare adalah dengan meninjau faktor internal dan eksternal, menilai kinerja yang telah dilakukan dengan melihat pencapaian target apakah target tersebut dapat dicapai dan terus mengalami peningkatan atau tidak dan jika tidak tercapai maka langkah selanjutnya adalah dengan melakukan tindakan perbaikan salah satunya yang dilakukan adalah dengan terus meningkatkan produk dan program bank syariah sehingga mampu untuk menarik minat masyarakat.

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