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Keris Kartono
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Sahid Banking Journal
Published by Institut Agama Islam Sahid Bogor
ISSN : 28084381     EISSN : 28087402     DOI : https://doi.org/10.56406/sahidbankingjournal.v1i01
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
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.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 84 Documents
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ANALISIS LITERASI PERBANKAN SYARIAH, PENGETAHUAN PRODUK, DAN KEPERCAYAAN MASYARAKAT TERHADAP MINAT MENABUNG PADA BANK SYARIAH INDONESIA (STUDI DI MASYARAKAT KECAMATAN PAMIJAHAN BOGOR) Mirnawati, Siti; 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.v2i02.107

Abstract

Bank Syariah Indonesia is the largest Islamic banking service in Indonesia. This Indonesian Islamic Bank has a problem, namely there is still a lot of public understanding, especially in Pamijahan Bogor District, which is still deviant and there is no complete trust in Bank Syariah Indonesia. This study aims to determine whether there is a positive value between Islamic Banking Literacy, Product Knowledge, and Public Trust on Interest in Savings at Indonesian Islamic Banks. This type of research is quantitative with data collection methods using primary data obtained through questionnaires. Sampling amounted to 270 respondents. The method used to test the hypothesis is multiple linear regression, t test, f test, and coefficient of determination (R square). The results of this study indicate that Product Knowledge t count 2.784 > t table 1.969 and the resulting sig 0.006 < 0.05 Public Trust t count 9.672 > t table 1.969 and the resulting sig 0.000 < 0.05 So it can be concluded that the variable Product Knowledge, and Public Trust has an effect on Saving Interest in Indonesian Islamic Banks. Meanwhile, Islamic Banking Literacy has no effect on interest in saving at Indonesian Islamic Banks. Simultaneously, the factors of Product Knowledge and Public Trust have a significant and significant effect on Saving Interest in Indonesian Islamic Banks. This is evidenced by the calculated F value of 110.369 > Ftable 2.64 with a sig level of 0.000 or α=5%. While the coefficient of determination R Square is 0.555 or 55,5%, the remaining 44.5% is influenced by other factors.
FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT USAHA MIKRO KECIL DAN MENENGAH (UMKM) MENGAJUKAN PEMBIAYAAN SYARIAH DI MASA PANDEMI COVID-19 (STUDI PELAKU UMKM DI PASAR LEUWILIANG KABUPATEN BOGOR) Khopifah, Nur; Thantawi, Tubagus Rifqy; 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.v2i02.108

Abstract

The micro, small and medium enterprises sector is one of the sectors that has fallen due to the Covid-19 pandemic. This outbreak almost paralyzed the wheels of the domestic economy, one of which was micro, small and medium enterprises experiencing capital difficulties during the Covid-19 pandemic due to declining income. This study aims to find out what factors can influence the interest of micro, small and medium enterprises to apply for financing during the Covid-19 period, especially the Leuwiliang Market area, Bogor Regency. Researchers use the Multiple Linear Regression Analysis type of research. Data collection is carried out through the distribution of questionnaires. The results of this study obtained factors that do not have an influence on the interest of micro, small and medium enterprises to apply for financing during the Covid-19 period in the Leuwiliang Market, Bogor Regency are financial literacy variables and business duration variables. Finally, collateral variables, services, and credit procedures have an influence on micro, small and medium enterprises interest in applying for financing during Covid 19.
ANALISIS EMPIRIK PENGGUNAAN INTERNET BANKING DAN MOBILE PHONE BANKING PADA BANK SYARIAH DI MASA PANDEMI COVID-19 (STUDI DI KECAMATAN DRAMAGA, KABUPATEN BOGOR). Oktavia, Tasya Audina; 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.v2i02.109

Abstract

During this pandemic covid-19, we are required to keep our distance and it is recommended to stay at home, this makes all Islamic banks provide internet-based services to make it easier for customers to make transactions. the importance of using internet-based services such as internet banking and mobile phone banking during the pandemic was felt directly by customers in Dramaga District, this made it easier for researchers to analyze empirically the use of internet banking and mobile phone banking at Islamic banks during the pandemic covid-19. The study used a descriptive qualitative method with a phenomenological approach to research subjects in the Dramaga sub-dist rict. The results of this study indicate that the habit and use of internet banking and mobile phone banking is very high, because customers in Dramaga District feel safe and cost-effective in internet-based use, in addition to being very easy to use, internet banking and mobile phone banking can also be used anytime and anywhere. anywhere. can be seen from the high statement of the factor analysis used. The use of internet-based transactions for the community in Dramaga District must be developed again because its use is very efficient, time-saving and can be used 24 hour.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PERSEROAN TERBATAS MENGGUNAKAN PEMBAYARAN GAJI (PAYROLL) MELALUI BANK SYARIAH (STUDI PADA PERSEROAN TERBATAS DI JAKARTA) Jayanti Tresna, Putri Dwi; Mursyidah, Azizah; Thantawi, Tubagus Rifqy
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.v2i02.110

Abstract

Payroll is a mass employee payroll system, the intensity of which is much needed by the company. The use of a payroll system can make it easier for companies to pay their employees. For the company, salary is a burden that must be incurred by the company to run a business so that the company needs a remuneration system to be able to streamline costs, but the results obtained by the company from employees are also maximal. The research method uses a quantitative approach with factor analysis techniques. Data collection techniques using a questionnaire technique. With quantitative methods, namely the data obtained in the form of numbers that can be calculated with regard to the problem under study. The price and promotion variables together have a positive and significant effect on payroll decisions through Islamic banks, while the service factor has no positive influence on payroll decisions. This is obtained from the t-count value of each variable and the results of the F test simultaneously have a positive and significant effect on the dependent variable, namely consumer decisions. The results that have been carried out by the author show that the dominant price and promotion factors affect payroll decisions through Islamic banks.
ANALISIS PERAMALAN TABUNGAN HAJI PADA BANK BJB SYARIAH KANTOR CABANG PEMBANTU JEMBATAN MERAH BOGOR DI MASA PANDEMI COVID-19. Anwar, Miftakhul; Nurlaelia, Widia Afria; Thantawi, Tubagus Rifqy
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.v2i02.111

Abstract

Along with developments and people’s needs for banking services, Islamic bank produts are becoming more numerous and can accommodate people’s needs for banking services, one of which is hajj savings products and this study aims to analyze the forecasting of hajj savings at BJBS KCP Jembatan Merah Bogor bank during a pandemic Covid-19 in 2022-2023. The data produced by researchers are primary data based on data obtained from banks in the 2020-2021 period and secondary data used as a basis for comparison and discussion of past conditions and conditions to be forecasted. This research uses quantitative methods with time series analysis with a descriptive study approach, the types of forecasting used in this study are linear trends, quadratic trends and exponential trends. The results of this forecasting analysis show that based on the MSE value obtained by quadratic trends produce the smallest value, which means it has the lowest error tendency. Forecasting using quadratic trends predicts an increase in prospective Hajj savings customers at Bank BJBS KCP Jembatan Merah Bogor by an average of 12% in 2022 while the average increase in prospective customers in 2023 is 6%.
PENGARUH SURAT BERHARGA YANG DIMILIKI / (INVESTMENT IN SECURITIES) NON BANK DAN BANK LAIN TERHADAP LABA BERSIH BANK UMUM SYARIAH DAN UNIT USAHA SYARIAH PERIODE 2008-2021 Kusumaningrum, Ria; Mursyidah, Azizah; Nisa, Sadidatun; Iskandar, Lina
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.v2i02.112

Abstract

The Bank prepares a fund placement strategy based on the allocation plan by taking into account the policies outlined with the aim of achieving a good level of profitability and maintaining public trust by maintaining a safe liquidity position. By combining these two desires, the allocation of bank funds must be directed in such a way that when necessary, all customer interests can be met. This can be done through investments made by sharia banks (in the form of placements with other banks or investments in securities and also from financing). The profit returns expected by Islamic banks come from profit sharing, profit margins, rent and others. Based on research conducted, Securities Owned / (Investment in Securities) of Non-Banks and Other Banks have an influence on the Net Profit of Sharia Commercial Banks and Sharia Business Units for the 2008-2021 Period. However, the positive influence mentioned above must still be balanced with the importance of the presence and existence of Sharia Commercial Banks and Sharia Business Units, namely as financing institutions that invest directly through mudharabah, murabahah and musyarakah.
PENGARUH PEMBIAYAAN MUDHARABAH, MUSYARAKAH, DAN BAGI HASIL LAINNYA KEPADA PIHAK KETIGA BUKAN BANK, TERHADAP LABA BERSIH BANK UMUM SYARIAH DAN UNIT USAHA SYARIAH PERIODE 2008-2021 Trihantana, Rully; Sakilah, Ilah; Hidayatullah, Taufik; Prasetya, Bagas Dwi
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.v2i02.113

Abstract

One main distribution pattern carried out by sharia banks is the principle of profit sharing with mudharabah and musyarakah agreements. The profit sharing income obtained by Islamic banks is in accordance with the agreed ratio, the bank's profit depends on the customer's profit. Regarding the influence of mudharabah and musyarakah profit sharing financing on net profits in Sharia Commercial Banks and Sharia Business Units in Indonesia in the 2008-2021 period, the problem question is whether and how profit sharing financing to non-bank third parties/profit sharing financing to non-banks occurs in Mudharabah, musyarakah and other profit-sharing financing have a partial and simultaneous effect on net profit. Based on the research results, it is proven that the hypothesis of profit sharing financing to non-bank third parties/profit sharing financing to non-banks in terms of (except Mudharabah), musyarakah and other profit sharing financing, has a partial effect on net profit. Then it was also proven that profit sharing financing to non-bank third parties/profit sharing financing to non-banks in terms of mudharabah, musyarakah and other profit sharing had a simultaneous effect on net profit.
PENGARUH MUDHARABAH, MUSYARAKAH, DAN PEMBIAYAAN BAGI HASIL LAINNYA DALAM PEMBIAYAAN BAGI HASIL KEPADA BANK LAIN, TERHADAP LABA BERSIH BANK UMUM SYARIAH DAN UNIT USAHA SYARIAH PERIODE 2008-2021 Thantawi, Tubagus Rifqy; Damayanti; Putri, Febi Rahayu; Putri, Yulia Kania
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.v2i02.114

Abstract

The aim of this research is to find out whether Profit Sharing Financing to Other Banks in terms of Mudharabah, Musyarakah, and Other Profit Sharing Financing/Others, has a partial and simultaneous effect on Net Profit. Then, to find out what proposals there are for contracts regarding Profit Sharing Financing to Other Banks in terms of Mudharabah, Musyarakah, and Other Profit Sharing Financing, can have a better influence on Net Profit. Based on the analysis and discussion in this research, it can be concluded that the variable Profit Sharing Financing to Other Banks in terms of Mudharabah and Musyarakah and Other Profit Sharing/Others, does not have a partial effect on Net Profit, but has a simultaneous effect on Net profit.
ANALISIS EMPIRIK PENGGUNAAN INTERNET BANKING DAN MOBILE PHONE BANKING PADA BANK SYARIAH DAN KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH (KSPPS) PADA MASA PANDEMI COVID-19 Rahmayani, Fitri Ali; Thantawi, Tubagus Rifqy; Anwar, Miftakhul
SAHID BANKING JOURNAL Vol 3 No 01 (2023): OKTOBER 2023
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i01.115

Abstract

Technological developments that occur continuously affect service patterns in the banking word. Islamic bank and KSPPS in charge of collecting funds and redistributing them as well as serving various other banking transactions can now be done digitally through internet banking and mobile phone banking services. The trend of using internet banking and mobile phone banking services certainly helps the community in conducting transactions during the Covid-19 pandemic. Through this research, it is expected to be able to identify the factors that influence the use of internet banking and mobile phone banking during the Covid-19 pandemic. There are 7 factors studied, namely comfort and safety, literacy, design and features, cost, environment, circumstances/conditions and benefits. The sample was obtained from 15 villages in the Cibungbulang sub-district with 85 respondents. The data analysis method used in this study is the confirmatory factor analysis (CFA) method which was tested using SPSS. It is hoped that this research can be used as an additional reference for future research.
ANALISIS PERAMALAN JUMLAH TABUNGAN HAJI BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) AMANAH UMMAH PADA MASA PANDEMI COVID-19 Suhartini, Shinta; Thantawi, Tubagus Rifqy; Mursyidah, Azizah
SAHID BANKING JOURNAL Vol 3 No 01 (2023): OKTOBER 2023
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i01.116

Abstract

This research was motivated by the Covid-19 pandemic which resulted in the Kingdom of Saudi Arabia restricting the pilgrims, and also suppressing the growth of Hajj savings in Indonesia. Therefore, the decline in economic growth due to the Covid-19 pandemic has increased the number of hajj cancellations and reduced the number of new hajj registrations. Forecasting is a method for estimating a future value using past data. This research was conducted at the Amanah Ummah BPRS which has a Hajj savings product, the forecasting is carried out using a linear trend mathematical equation model, a quadratic trend and an exponential trend. Choose the smallest method of the 3 methods because the smaller the forecast error value, the more accurate the results and can produce the optimal number. Mean Square Error (MSE) Linear trend of 73099,70379, Mean Square Error (MSE) of Quadratic Trend of 73140,71139 and Mean Square Error (MSE) of Exponential Trend of 74836,49328 From the selected forecasting results is Mean Square Error (MSE) Linear trend. And it was found that the total number of Hajj savings in December 2023 was 346,27222421 rounded up to 374.

Page 5 of 9 | Total Record : 84

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