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Al-Tijary : Jurnal Ekonomi dan Bisnis Islam

altijary
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Published by Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

ISSN : 24609404 EISSN : 24609412 DOI : https://doi.org/10.21093/at.v7i2.3662

Core Subject : Economy,

Economics, Econometrics & Finance

Al-Tijary : Jurnal Ekonomi dan Bisnis Islam encompasses research articles, original research report, reviews, and scientific commentaries in the field of economics and islamic business, including:Islamic Economics, Islamic Business, Islamic banking, Islamic capital markets, Islamic wealth management, Issues on shariah implementation/practices of Islamic banking, Zakat and awqaf, Takaful, Islamic Corporate Finance, Shariah-compliant risk management, Islamic derivatives, Issues of Shari`ah Supervisory Boards, Islamic business ethics, Islamic Accounting, Islamic Auditing.

Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)

Articles 126 Documents

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Pengaruh Kualitas Pelayanan Terhadap Kepuasan Nasabah Perbankan Syariah Zulfikri Charis Darmawan; Ahmad Ajib Ridlwan
Al-Tijary Al-Tijary Vol. 3, No. 2, Juni 2018
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Increasing customer satisfaction is a demand that must be implemented, because by increasing customer satisfaction then the existence of Islamic banking can be maintained. Although the level of competition sharia financial institutions are also getting tighter. One of the instruments that can increase customer satisfaction is the quality of banking services.This research is quantitative research which aims to know how big influence of service quality of bank to customer satisfaction at BTN Syariah Kc Surabaya. From the results of research conducted with independent variables of quality of banking services with indicators of physical evidence, reliability, responsiveness, assurance, empathy, sharia compliance. Through incidental sampling technique with 100 respondents and questionnaire distribution method can be concluded that the quality of banking services in BTN Syariah Kc Surabaya as a whole affects customer satisfaction.

Diversifikasi Pembiayaan Sebagai Upaya Peningkatan Profitabilitas di Bank Syariah Maulida Masruroh
Al-Tijary Al-Tijary Vol. 3, No. 2, Juni 2018
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

This study examines the effect of diversification of financing based on type of contract, type of usage, and economic sector to the profitability at the Islamic bank. Diversification of financing proxied by Hirchman Herfindahl Index (HHI), and the profitability proxied by Return on Assets (ROA) was measured using the distribution of pre-tax profit to average total assets. This study uses secondary data obtained from the publication of the report the Financial Services Authority (OJK) in the period January 2013 to December 2017. The data analysis technique used in this research is multiple linear regression. The results of this study are partially diversification of financing based on type of contract does not affect the ROA at the Islamic bank, diversification of financing based on type of usage has a positive and significant effect to ROA at the Islamic bank., and diversification of financing based on economic sector has a negative and significant effect to ROA at the Islamic bank.. While simultaneously, the diversification of financing based on type of contract, type of usage, and economic sector influence on ROA at the Islamic bank.Keywords: Diversification of financing based of economic sector, type of contract, type of usage, Return on Asset (ROA)

Effects of Training, Work Discipline, and Motivation Against Employee Performance at Islamic Bank Muhammad Tho'in
Al-Tijary Al-Tijary Vol. 3, No. 2, Juni 2018
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

This study aims to determine whether training, work discipline, and motivation affect employee performance at Bank BNI Syariah Surakarta simultaneously and partially. This research uses case study research type which is located in Bank BNI Syariah Surakarta. The samples taken are 100 respondents. The sampling technique in this study used quota random sampling. The data analysis used are 1) Instrument Test, 2) Hypothesis test. The Result of this research shows that: Y = (11,877) + 0,784X1 + 0,444X2 + 0,428 X3 + e. There is an effect of training on employee performance of Bank BNI Syariah Surakarta with p-value <0,05. There is influence of work discipline on employee performance of Bank BNI Syariah Surakarta with p-value <0,05. There is influence of motivation to employee performance of Bank BNI Syariah Surakarta with p-value <0,05. There is an effect of training, work discipline, and motivation simultaneously on employee performance at Bank BNI Syariah Surakarta with p-value <0,05.

Daya Tarik E-Banking di Kalangan Civitas Akademika Institut Agama Islam Negeri Samarinda Angrum Pratiwi
Al-Tijary Al-Tijary Vol. 3, No. 2, Juni 2018
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Electronic banking (E-Banking) adalah salah satu aktivitas perbankan yang dilakukan nasabahnya melalui fasilitas internet. Cara ini diciptakan oleh bank untuk melayani kebutuhan nasabah agar lebih nyaman bertransaksi dimanapun mereka berada. E-Banking memberikan kemudahan dan kenyamanan kepada nasabahnya dengan fasilitas pelayanan pembayaran melalui saluran elektronik, Seperti melalui transfer rekening dan auto debet. Cara ini cukup efektif dan efisien mengingat masyarakat semakin disibukkan dengan segala aktivitasnyaTujuan penelitian ini yaitu mengetahui sejauh mana daya tarik civitas akademika IAIN Samarinda dalam menggunakan E-Banking dan faktor dominan yang membuat civitas akademika IAIN Samarinda menggunakan E-Banking. Jenis penelitian dalam penelitian ini adalah jenis penelitian deskriptif, Sampel penelitian bersifat purposive sampling, jumlah sampel yang berhasil dihimpun yaitu 173 responden.Daya tarik penggunaan E-Banking di kalangan civitas akademika IAIN Samarinda, berdasarkan hasil jawaban identitas responden mayoritas menggunakan aplikasi ATM, hampir 120 responden yang menggunakannya. Sedangkan, pilihan bank sebesar 61% menggunakan bank konvensional. Frekuensi penggunaan aplikasi E-Banking 1-4 kali dalam sebulan dan mayoritas responden berumur 17-30 tahun. Enam variabel yang ada, tiga diantaranya yaitu Interaction, Accessibility, dan Adequacy of Indormation responden menjawab sangat setuju dan setuju dari pertanyaan yang diajukan.Faktor yang mendominasi daya tarik penggunaan E-Banking di kalangan civitas akademika IAIN Samarinda, yaitu pertama: Interaction sebesar 29%, kedua: Accessibility sebesar 27% dan ketiga: Adequacy of Indormation sebesar 13%. Dapat peneliti tarik kesimpulan, faktor dominan daya tarik penggunaan E-Banking di kalangan civitas akademika IAIN Samarinda dipengaruhi tiga aspek tersebut.

Analytical Tools dan SWOT Analysis Penggunaan M-Banking Perbankan Syariah di Indonesia Dedy Mainata
Al-Tijary Al-Tijary Vol. 3, No. 2, Juni 2018
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

The current shift in banking services is focused in banking technology. Similarly, this is also happening to sharia banking in Indonesia. Banking technology is one of the services that are favored by sharia banking in the competition to attract customers. M-Banking services is one of the products being offered by sharia banking technology, providing the costumer with the highest and newest developments in technology. This goes together with the increasing demand for easier procedures.The significant development of M-Banking services in sharia banking in Indonesia helps evaluating the customers' satisfaction with a specific product. Through M-Banking SWOT analysis, it is expected that the quality of banking services can be improved. This paper aims to analyze more deeply about the strengths, weaknesses, opportunities, and threats (SWOT) of M-Banking services of sharia banking in Indonesia.The strengths of M-Banking banking services are cost-effective, time-saving, attractive features, easy to operate, easy to download, interesting promo, Islamic content info. Weaknesses of M-Banking services in sharia banking are slow data access speed, insufficient Security, network limitations, the lack of accessibility and performance by all customers, and M-Banking functionality still under development process. The outstanding points of M-Banking of sharia banking are the development of performance, functionality and bandwidth of M-Banking server which have the potential to increase the number of customers. In conclusion, main challenges regarding M-Banking are the competition between banks, the relationship between the confidentiality of customer data and its possible misuse by employees or hackers, accessibility, effectiveness and efficiency of the product, as well as improvement of functionalities and performance of M-Banking service.

Analisis Pengaruh Pendistribusian Zakat dan Pembinaan serta Pendampingan dalam Meningkatkan Kesejahteraan Pengusaha Kecil pada Rumah Zakat Kota Samarinda Bonandar Bonandar
Al-Tijary Al-Tijary Vol. 3, No. 2, Juni 2018
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Zakat mempunyai peranan penting dalam membantu Pengusaha Kecil mengembangkan usaha yang dimiliki untuk meningkatkan kesejahteraan hidup. Rumah Zakat Kota Samarinda adalah salah satu lembaga pengelola Zakat yang memberikan bantuan modal usaha yang diikuti dengan Pembinaan dan Pembinaan serta Pendampingan. Metode Penelitian ini adalah penelitian Kualitatif. Hasilnya menunjukkan bahwa Zakat mampu meningkatkan kesejahteraan Pengusaha Kecil dari segi lahiriah namun tidak dari segi rohaniah.

Tingkat Efisiensi Perbankan Syariah Pasca Spin Off dengan Metode Two-Stage Data Envelopment Analysis Sallsa Khairunnisa
Al-Tijary Al-Tijary Vol. 4, No. 1, Desember 2018
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

This study aims to determine the level of efficiency of Islamic banks after the spin off during the period of 2011-2016. To measure the performance, Two-Stage Data Analysis Envelopment (DEA) is used. The first step of this method is measuring efficiency performance of Islamic banks using DEA method with CRS assumption. The second step estimating factors affecting the efficiency performance using Tobit regression model. The determination of input and output variables in this study uses intermediation approaches. Input variable consists of Fix assets, Third Party Fund (DPK) and Operating Expenses, while the output variable consists of Total financing and Operating Income. The results of the research shows the level of efficiency of BNI Syariah during the 2011-2016 period is still not efficient with 99%, while the level of efficiency of BJB Syariah from 2011 to 2016 is 98%. The result of Tobit regression model showed that Total assets and ROA has a positive and significant to the level of efficiency of BNI Syariah , while the coefficient of FDR and NPF are not significant influence. Furthermore, that influence the level of efficiency of BJB Syariah is total assets, while the coefficient of ROA, FDR and NPF are not significant influence.

Pembangunan Sosial Ekonomi di Indragiri Hilir Riau Perspektif Teori Kebijakan Fiskal Abdul Mannan Salmia Salmia
Al-Tijary Al-Tijary Vol. 4, No. 1, Desember 2018
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Fiscal Policy is a government’s policy related to regional and national income and expenditure. This policy is very important in a region because this policy not only discusses how a region or state gets fund and utilizes the fund to develop the region, but also discusses how fiscal policy is able to create development and prosperity for people’s socio-economic life. The glory of Islam in the past has also convinced people that the economic development system that was used could survive and had a well-known history, so the theory of Abdul Mannan, who was a contemporary Muslim economist, could be used, expecting that the glory of Islamic countries in the past could be repeated nowadays. Mannan wrote in his fiscal policy perspective based on Islamic law. The core of Mannan’s fiscal policy in socio-economic development is the principles of happiness (at-targib) for society and socio-economic improvement, as well as spiritual and moral development. Therefore, this study focused on the Situation of Socio-Economic Development of Indragiri Hilir Regency whose majority of the population is Moslem; whether the implementation of fiscal policy in Indragiri Hilir has been relevant to Mannan’s theory. Such question could be answered after conducting a research in Indragiri Hilir using interview technique to several informants from Local Government Officials, Members of Parliament and Indragiri Hilir Society. The results showed that the development in Indragiri Hilir focuses more on plantation development because the majority of population works as farmers and gardening. In addition, several things that are not yet relevant are: non conducive regional bureaucracy and uneven infrastructure development.

Dampak Industri Pariwisata Terhadap Penyerapan Tenaga Kerja Ditinjau dari Perspektif Ekonomi Islam (Studi pada Hotel, Biro Perjalanan Wisata, Kuliner dan Objek wisata Kabupaten Lombok Barat) Romi Putra Saroji
Al-Tijary Al-Tijary Vol. 4, No. 1, Desember 2018
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Tourism in west lombok region had inreased from years. This situation gives more beriefets in tourism such as hotel,food and beverage,and travel. Agency which also gives more opportunitres to cleate more employee. This research aims to finds out the hotel influences, trevel agency,food and beverage and tourism spot lite to the new employee absorption in west lombok, also this new employee absorption in this variable has been viewed from the islamic perspective. This research was a quantitatif research with a random variabel such as, hotel,trevel agency, food and beverage and the new employee absor ption. The data analysis has been done by as double regression test. The result showed that hotel, food and beverage(hotel), and trevel agency has constant result so that the new employee absorption increasedto be 2283,923. For hotel variabel is it increased for about 1% so that the new employee absorption also will increased to be 48,233 food and beverage hotel which increased 1% also showed thatthe new employee will also incresed to be 0,021 of herwise trevel agency, if it increased 1% so that the absorpation of the employee will increased $,717. In the hotel,food and beverage (restaurant). Trevel agency showed there is a absopation of the employee. This situation can be seen in how many employee since 2010-2015 which more increased for each variable.

Pengaruh Promosi Tabungan Bank Sumsel Babel Syariah Terhadap Minat Menabung Masyarakat Kota Palembang Mawardi Mawardi
Al-Tijary Al-Tijary Vol. 4, No. 1, Desember 2018
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

This study aims to determine the interest of Palembang’s people to save, especially saving in a sharia-based regional bank, namely Bank Sumsel Babel Syariah. This research was conducted for three months using primary data by distributing questionnaires, books and related journals, the location of the study was in the city of Palembang. the sampling techniques used in this research was random sampling techniques with a total sample of 100 respondents and analyzed with multiple linear regression. The results of this study shown that Advertisements and Publicity have effect on people's saving interest, while sales promotion and personal sales did not affect people's saving interest.

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Fitria Rahmah

Contact Email
redaksi.altijary@gmail.com

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+6285643313654

Journal Mail Official
redaksi.altijary@gmail.com

Editorial Address
Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda Kampus II, Jl. H.A.M. Rifadin Samarinda Seberang, Telp. (0541) 7270222 Samarinda

Location
Kota samarinda,

Kalimantan timur

INDONESIA

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Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Fitria Rahmah

Contact Email redaksi.altijary@gmail.com

Phone +6285643313654

Journal Mail Official redaksi.altijary@gmail.com

Editorial Address Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda Kampus II, Jl. H.A.M. Rifadin Samarinda Seberang, Telp. (0541) 7270222 Samarinda

Location Kota samarinda, Kalimantan timur INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Contact Name
Fitria Rahmah

Contact Email
redaksi.altijary@gmail.com

Phone
+6285643313654

Journal Mail Official
redaksi.altijary@gmail.com

Editorial Address
Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda Kampus II, Jl. H.A.M. Rifadin Samarinda Seberang, Telp. (0541) 7270222 Samarinda

Location
Kota samarinda,

Kalimantan timur

INDONESIA