cover
Contact Name
Keris Kartono
Contact Email
keriskartono@inais.ac.id
Phone
+628389604920
Journal Mail Official
keriskartono@inais.ac.id
Editorial Address
Jl. Kapten Dasuki Bakri KM 06 Kecamatan Pamijahan Kabupaten Bogor 16810
Location
Kab. bogor,
Jawa barat
INDONESIA
Sahid Banking Journal
Core Subject : Religion, Economy,
Sahid Banking Journal adalah peer-reviewed jurnal ilmiah berisi hasil penelitian ilmiah primer, kajian, ulasan ilmiah atau komentar/ kritik atas artikel yang diterbitkan di Sahid Banking Journal. Sahid Banking Journal menerima manuskrip atau artkel dalam bidang perbankan dan keuangan syariah dari akademisi, peneliti dan praktisi perbankan dan keuangan syariah baik nasional maupun internasional. Bidang keilmuan yang bisa diterbitkan di Sahid Banking Journal meliputi: - Perbankan Syariah , - Pasar Keuangan dan Pembiayaan Syariah, - Keuangan Sosial Syariah, - Literasi Keuangan Syariah, - Digital dan Fintech Syariah - Bidang lainnya yang relevan dengan lingkup perbankan dan keuangan syariah.
Articles 84 Documents
PENGARUH PELATIHAN DAN PEMOTIVASIAN TERHADAP KINERJA KARYAWAN PADA KOPERASI KARYA USAHA MANDIRI SYARIAH CABANG NANGGUNG, KABUPATEN BOGOR Dedi Yudistira; Miftakhul Anwar; Azizah Mursyidah
SAHID BANKING JOURNAL Vol 2 No 01 (2022): Oktober 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v2i01.69

Abstract

The objectives of this study include: (1) To analyze the effect of training on employee performance, (2) To analyze the effect of motivation on employee performance, (3) To analyze the effect of training and motivation on employee performance at Karya Usaha Mandiri Nanggung. This study uses quantitative methods with analytical descriptive research, the method of determining the sample using the slovin method, the number of samples used in this study was 51 respondents of employees of the independent branch of Nanggung which were collected through questionnaires. The results of the study at a significant level of 0.05 found: (1) training had a positive and significant effect on employee performance. (2) motivation has a positive and significant effect on employee performance, (3) training and motivation together have a significant effect on employee performance in the work of an independent sharia business in the Nanggung branch.
ANALISIS PERBANDINGAN PEMANFAATAN VIRTUAL ACCOUNT DAN TRANSFER PADA KARYAWAN PONDOK PESANTREN MODERN SAHID DAN KARYAWAN INSTITUT AGAMA ISLAM SAHID BOGOR Devi Andriani; Tubagus Rifqy Thantawi; Azizah Mursyidah
SAHID BANKING JOURNAL Vol 2 No 01 (2022): Oktober 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v2i01.70

Abstract

The background of this research is the use of virtual accounts and transfers to employees of the Sahid Modern Islamic Boarding School and employees of the Sahid Islamic Institute in Bogor. The aim is to compare the benefits of virtual accounts and transfers. This study used a quantitative method, the subject of research was at the Sahid Modern Islamic Boarding School and the Sahid Islamic Institute, Bogor. The more modern the digital tools, the easier the transactions between the use of virtual accounts and transfers. This study aims to compare the benefits of virtual accounts and transfers. The results of this study indicate that in the use of virtual accounts and transfers at the Sahid Modern Islamic Boarding School, a value of 0.791 is obtained, which means greater than 0.05 and the use of virtual accounts and transfers at the Sahid Islamic Institute of Bogor, a value of 0.586 is greater than 0. 05. So it can be concluded, the significance value (2-tailed) obtained from the results of the independent sample t-test is greater than > 0.05. Then Ho is accepted and Hi is rejected, meaning that there is no difference in comparison of the utilization of Islamic bank facilities in terms of virtual accounts and transfers to employees of the Sahid Modern Islamic Boarding School and the Sahid Bogor Islamic Institute.
ANALISIS PREFERENSI NASABAH TERHADAP PRODUK PEMBIAYAAN MURABAHAH DAN MUDHARABAH DI BAITUL MAL WA TAMWIL (BMT) IKHLASUL UMMAH, KABUPATEN BOGOR Neneng Nurhasanah; Rully Trihantana; Ria Kusumaningrum
SAHID BANKING JOURNAL Vol 2 No 01 (2022): Oktober 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v2i01.71

Abstract

Baitul Mal wa Tamwil or abbreviated as BMT is an Islamic financial institution based on the Al-Qur'an and Al-Hadith which refers to the principle of muamalah. One of the products that customers are most interested in is murabaha and mudharabah financing products. In deciding to choose and use a financing product, it is influenced by customer preferences through several factors such as psychological factors, personal factors, and social factors. The purpose of this study was to determine the factors that influence customer preferences for financing murabahah and mudharabah contracts at BMT Ikhlashul Ummah Bogor Regency, and to analyze customer preferences for financing murabahah and mudharabah contracts at BMT Ihklashul Ummah Bogor Regency. This research is a qualitative research that uses a descriptive analysis approach with an inductive mindset that takes specific statements and then draws general conclusions. Thus, it can be known the customer preferences in using murabahah and mudharabah contract financing at BMT Ikhlashul Ummah, Bogor Regency.
ANALISIS MANAJEMEN SYARIAH PERBANDINGAN KINERJA KEUANGAN ANTAR CABANG KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH (KSPPS) BAYTUL IKHTIAR (STUDI KASUS CABANG CIPANAS DAN LEUWISADENG, KABUPATEN BOGOR) Tri Aditya Putra; Tubagus Rifqy Thantawi; Bayu Purnama Putra
SAHID BANKING JOURNAL Vol 2 No 01 (2022): Oktober 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v2i01.72

Abstract

This study aims to analyze sharia management of financial performance comparisons between Cipanas and Leuwi Sadeng branches at KSPPS Baytul Ikhtiar. The data used is secondary data and the method used is descriptive quantitative with the help of SPSS version 25 to obtain a comprehensive picture of the relationship between one variable and another. The sample selected based on the criteria is 1 company with 2 service branches. Sampling was carried out using field research techniques. The results of this study indicate that by calculating the liquidity ratio there is no difference in financial performance between the Cipanas and Leuwisadeng branches, by calculating the profitability ratio there is no difference in financial performance between the Cipanas and Leuwisadeng branches, by calculating the solvency ratio there is no difference in financial performance between the Cipanas and Leuwisadeng branches, based on the calculation of profitability ratios, there is no difference in financial performance between the Cipanas and Leuwisadeng branches.
ANALISIS DAMPAK PRAKTIK RENTENIR TERHADAP DINAMIKA EKONOMI MASYARAKAT KECAMATAN PAMIJAHAN, KABUPATEN BOGOR Zaenudin; Rully Trihantana; Miftakhul Anwar
SAHID BANKING JOURNAL Vol 2 No 01 (2022): Oktober 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v2i01.73

Abstract

The needs of human life are increasing along with the increasingly modern era. This is a problem for some people with middle to lower incomes, so the idea came out to run a business, with an easy process and access through debt to loan sharks. In practice, debts to moneylenders are not able to prosper the borrower, because loans from moneylenders are only able to meet their material needs for a moment but not their spiritual needs. This causes it to be difficult for borrowers to pay off debts with such high interest. In Islamic law, this is forbidden because loan sharks take such large profits (interest) or usury. This study aims to determine the impact of moneylender practices on the dynamics of the community's economy, then viewed from the perspective of Islamic law on society, especially the people of Pamijahan District, Bogor Regency. This research is a descriptive qualitative research, and analyzes it deductively. The results obtained in this study are that the impact of moneylender practices on economic dynamics is very detrimental to society, and in an Islamic economic review, loan shark practices are very contrary to Islam because they contain usury. Therefore it is prohibited to carry out loan shark practices.
ANALISIS STRENGTHS WEAKNESSES OPPORTUNITIES THREATS (SWOT) POLA TANGGUNG RENTENG DI KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH (KSPPS) BAYTUL IKHTIAR CABANG LEUWISADENG Iman Afriansyah; Ria Kusumaningrum; Muhamad Rizal
SAHID BANKING JOURNAL Vol 2 No 01 (2022): Oktober 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v2i01.74

Abstract

Sharia financing jointly and severally is one of the strategies of Islamic financial institutions in channeling third party funds. This study aims to analyze the effectiveness of sharia financing jointly and severally. Researchers used a SWOT analysis tool (Strengths, Weaknesses Opportunities, and Threats). The method in this research is qualitative research, observation, and interviews. The results of this study indicate that sharia financing jointly and severally implemented by the Baytul Ikhtiar Savings and Loans and Sharia Financing Cooperative (KSPPS) is very effective and good. This began with a fairly rigorous selection process for recruiting prospective members for joint responsibility financing, then intensive mentoring or monitoring was carried out by KSPPS Baytul Ikhtiar. There are fewer problem financing, and sharia financing jointly and severally can still be carried out at KSPPS Baytul Ikhtiar.
ANALISIS PENGARUH LINGKUNGAN KERJA DAN KEDISIPLINAN KERJA TERHADAP KINERJA KARYAWAN KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH (KSPPS) BAYTUL IKHTIAR PAMIJAHAN KABUPATEN BOGOR DI MASA PANDEMI COVID-19 Wiguna, Sindiwati; Suryani, Ermi; Putra, Bayu Purnama
SAHID BANKING JOURNAL Vol 2 No 02 (2023): MEI 2023
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v2i02.103

Abstract

In Indonesia, the number of cases of the Covid-19 virus in 2019 increased but decreased in 2021. One of the impacts of the Covid-19 pandemic is on the financial sector, such as Sharia Cooperatives. The problems that existed at KSPPS Baytul Ikhtiar Pamijahan during the Covid-19 period were problems with the work environment and work discipline. The purpose of this study was to determine the effect of the work environment and work discipline on employee performance during the Covid-19 period. Data was collected by distributing questionnaires and taking samples using a saturated sampling technique with a total sample of 15 people. The results showed that the work environment had a positive and significant effect on employee performance with a sig value of 0.002 less than 0.05, while work discipline at a significance level of 5% had no significant effect on employee performance with a sig value of 0.737 greater than 0.05. And the work environment and work discipline together have a positive and significant impact on the performance of KSPPS Baytul Ikhtiar employees during the Covid-19 period, with a sig value of 0.000 less than 0.05.
ANALISIS GAYA KEPEMIMPINAN DEMOKRATIS DALAM MENINGKATKAN KINERJA KARYAWAN DI KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH (KSPPS) KARYA USAHA MANDIRI (KUM) BOGOR CABANG JATIBARANG Nugraha, Gilang Pratama; Trihantana, Rully; Mursyidah, Azizah
SAHID BANKING JOURNAL Vol 2 No 02 (2023): MEI 2023
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v2i02.104

Abstract

This study aims to analyze the leadership style of KSPPS KUM Bogor, Jatibarang Branch and to analyze the democratic leadership style of KSPPS KUM Bogor, Jatibarang Branch in improving employee performance. The subjects of this study were employees at KSPPS KUM Bogor Jatibarang Brebes Branch. This research uses a qualitative approach with a qualitative descriptive research type. The results of this study are: (1) Discipline, (2) Dedication and (3) Understanding of Tasks. The leadership style carried out by the deputy head of the KSPPS KUM Bogor Branch Jatibarang is a democratic leadership style, which has been carried out by the head branches by always implementing discipline in work, motivating, accepting criticism and suggestions from employees, having high dedication and also in making decisions based on the results of deliberations in realizing the main goals of the company. The conclusions of this study are: (1) The democratic leadership style at KSPPS KUM Bogor Branch Jatibarang has influenced the performance of employees at work seen from the leadership prioritizing deliberation in making decisions and also providing jobdesk motivation or rewards to employees, this has an effect on performance employees (2) democratic leadership style deputy head of KSPPS KUM Bogor Branch Jatibarang has implemented a democratic leadership style in improving the performance of its employees.
PERAN KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH (KSPPS) KARYA USAHA MANDIRI (KUM) BOGOR CABANG SUKARAJA DALAM MENGEMBANGKAN SUMBER DAYA INSANI YANG BERAKHLAK MULIA Alfiansyah; Thantawi, Tubagus Rifqy; Putra, Bayu Purnama
SAHID BANKING JOURNAL Vol 2 No 02 (2023): MEI 2023
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v2i02.105

Abstract

This study discusses the "role of companies in developing human resources with noble character" which aims to, (1) To analyze the role of companies in forming and developing human resources with noble character and (2) To analyze the performance of HRD with noble character towards the responsibility that provided by the company. This research was conducted at the Savings and Loans Financing Cooperative (KSPPS) KUM Bogor Sukaraja branch, as for the number of interviewees who interviewed there were 7 (seven) respondents. The analytical method used is descriptive analysis. This study uses descriptive qualitative analytical research methods with interview techniques, observation, documentation and data collection from related sources (books and the internet). The results of this study indicate that there is a positive influence in the moral development of employees at KSPPS KUM Bogor Sukaraja branch. This is evidenced from interviews conducted with customers who joined the Sukaraja branch of KSPPS KUM Bogor.
FAKTOR-FAKTOR YANG MEMPENGARUHI LOYALITAS NASABAH DI KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH (KSPPS) KHIDMATUL UMMAH CABANG PAMIJAHAN BOGOR Putirai, Riki; Trihantana, Rully; Anwar, Miftakhul
SAHID BANKING JOURNAL Vol 2 No 02 (2023): MEI 2023
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v2i02.106

Abstract

Since 2015, the performance of KSPPS Khidmatul Ummah has continued to show significant improvement. Still in 2015 KSPPS Khidmatul Ummah received a Cooperative Certificate. Then in 2016 he received a certificate for outstanding cooperatives and MSMEs from the Regent of Bogor, received an award for implementing RAT Activities for the 2019 Fiscal Year, received a certificate of award for superior cooperatives at the Bogor Regency level in 2019, and received an operations ranking certificate with AAB qualifications and predicate. Competition is very tight with the increasing number of sharia financial institutions nowadays, so KSPPS Khidmatul Ummah must know consumer behavior in making decisions to become customers of sharia financial institutions. Based on this, this research aims to analyze the factors that influence customer loyalty at the KSPPS Khidmatul Ummah Pamijahan Bogor Branch Office. Based on the research conducted, it is known that the service factor is the first dominant factor that influences customer loyalty at KSPPS Khidmatul Ummah Pamijahan Bogor Branch Office with a variance of 26,658%.