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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 PERBANDINGAN PENGGUNAAN JUAL BELI ONLINE DAN JUAL BELI OFFLINE OLEH MAHASISWA INSTITUT AGAMA ISLAM SAHID BOGOR PADA MASA PANDEMI COVID-19 Abad, Geopani; Trihantana, Rully; Kusumaningrum, Ria
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.v3i01.117

Abstract

The online purchasing system and the direct purchase system are tools used by the public in making product purchases. Purchase by online is a form of percentage and promotion, marketing of goods and services using certain media such as newspapers, magazines, radio, television, billboards, brochures, social media, internet and others, while direct buying is a situation when a seller offers/ selling its products directly to consumers (both individual consumers and businesses). Interest that arises from within the consumer will have an effect on increasing the number of purchases, because it will increase consumer purchasing decisions to buy goods. The main purpose of this study was to determine the effect of differences between online purchases and direct purchases on consumer buying interest in purchasing decisions. This research was conducted with a quantitative method using an online questionnaire. The population in this study were students who had made online and direct purchase transactions. The number of respondents from this study were 132 respondents. The data analysis technique used is SPSS software. The test results show that there is significant difference between the use of selling online and selling directly during the covid-19 pandemic for INAIS Bogor students
ANALISIS MINAT PEMERINTAH DAERAH MENEMPATKAN DANA DAERAH PADA BANK SYARIAH Syukrilah, Muhamad Djedjen; Trihantana, Rully; Kusumaningrum , Ria
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.v3i01.118

Abstract

The Regional Government of Pamijahan, Cibungbulang and Ciampea Districts, Bogor Regency, has an increasing desire to place its funds in sharia banks. Using descriptive quantitative research methods, and using multiple linear regression data analysis techniques, the research results show that the Regional Government Regulation variable has no effect on regional government interest in placing regional funds in Islamic banks. With a calculated T value of 3.747 > T table 2.04841 and a significance level of 0.002 <0.05, the Regional Government of the sub-districts, namely Pamijahan, Cibungbulang, and Ciampea, Bogor Regency has an interest in placing regional funds in sharia banks, especially because of the Nisbah factor. Profit Sharing in Sharia Banks. The research results also show that simultaneously the variables Religiosity, Knowledge, Government Regulation, Promotion, Existence of Facilities, Administrative Costs, and Profit Sharing Ratio have a significant effect on the Regional Government's interest in placing regional funds in Islamic banks.
TINJAUAN PERSPEKTIF SYARIAH TERHADAP PENGGUNAAN PINJAMAN ONLINE DI DESA PURWABAKTI, DESA CIASMARA DAN DESA CIASIHAN KECAMATAN PAMIJAHAN KABUPATEN BOGOR Rudianto, Derika; Thantawi, Tubagus Rifqy; Putra, Bayu Purnama
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.v3i01.119

Abstract

The aim of this research is to determine an overview of the sharia perspective on the use of online loans in Purwabakti Village, Ciasmara Village and Ciasihan Village, Pamijahan District, Bogor. The research method used is a quantitative method. Respondents with the object studied and the sample results obtained were 300 respondents. The sharia perspective in this case is represented by the variable Understanding Compliance with Islamic Sharia (X1), and the variable Compliance with the Prohibition of Usury and Loan Interest (X2). Both were studied to review the variable Use of Online Loans (Y). The results of this research state that the variable Understanding Compliance with Islamic Sharia (X1) has a significant effect on the Use of Online Loans (Y). Likewise, the variables Compliance with the Prohibition of Usury and Loan Interest (X2) have a significant effect on the Use of Online Loans (Y). However, the significant influence of the variable Understanding Compliance with Islamic Sharia (X1) and the significant influence of the variable Compliance with the Prohibition of Usury and Loan Interest (X2), on the Use of Online Loans (Y) is a positive influence. The results of research in Purwabakti Village, Ciasmara Village and Ciasihan Village, Pamijahan District, Bogor, can be a meaningful lesson to reduce the use of online loans which cause many problems in society.
ANALISIS IMPLEMENTASI AKAD SYARIAH DAN ETIKA BISNIS ISLAM PADA KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH (KSPPS) BAYTUL IKHTIAR CABANG CIPANAS KABUPATEN LEBAK TERHADAP LOYALITAS ANGGOTA Andriyansyah; Thantawi, Tubagus Rifqy; Putra, Bayu Purnama
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.v3i01.120

Abstract

Sharia Savings and Loans and Financing Cooperative (KSPPS) is a sharia financial institution that carries out productive business development and investment activities in improving the quality of economic and business activities for Micro, Small and Medium Enterprises (MSMEs), including channeling financing for economic and business activities, as well as encouraging savings. . As a sharia financial institution, KSPPS of course needs to use Islamic business ethics and sharia contracts in carrying out its daily activities both in the office work environment and when providing services to members. This research takes the example of KSPPS Baytul Ikhtiar which applies sharia contracts and Islamic business ethics. Based on the research results, there is an influence between sharia contract variables and Islamic business ethics on member loyalty.
ANALISIS MINAT MASYARAKAT DESA PAMIJAHAN, DESA PASAREAN DAN DESA GUNUNG SARI KECAMATAN PAMIJAHAN KABUPATEN BOGOR MENGGUNAKAN APLIKASI MOBILE BANKING PADA MASA PANDEMI COVID-19 Ramadayanti, Alfi; Trihantana, Rully; Kusumaningrum , Ria
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.v3i01.121

Abstract

This research aims to analyze and explain the physical variables distancing and stay at home variables affect or not affect partially public interest in using mobile banking applications during the Covid-19 pandemic and to analyze and explain physical distancing variables and stay at home variables influencing or not simultaneously influencing people's interest in using mobile banking application during the Covid-19 pandemic. The sample of this study was 348 respondents, namely the people of Pamijahan Village, Pasarean Village and Gunung Sari Village. This study uses quantitative methods with multiple linear regression analysis and data collection using a questionnaire. The results of this study are physical distancing and stay at home have a significant effect on partial to public interest in using mobile banking applications in the future Covid-19 pandemic and physical distancing and stay at home affect simultaneously public interest in using mobile banking applications during the Covid-19 pandemic.
PENANGANAN PEMBIAYAAN BERMASALAH PADA PEMBIAYAAN MURABAHAH DI KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH (KSPPS) KHAIRU UMMAH LEUWILIANG KABUPATEN BOGOR PADA MASA PANDEMI COVID-19 Yuspardiansyah, Ade; 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.v3i01.122

Abstract

This research aims to determine the causes of financing problems in murabahah contract financing during the Covid-19 pandemic. Then to find out the strategies used to handle problematic financing during the Covid-19 pandemic. Furthermore, to find out the efforts made by KSPPS Khairu Ummah Leuwiliang Bogor Regency in providing policies to murabahah contract financing customers who are affected by the Covid-19 pandemic. The data analysis method or technique used for this research is qualitative descriptive analysis techniques using the SWOT analysis approach. Based on the results of this research, the factors that cause problematic financing are internal factors such as weaknesses in analyzing financing, lack of supervision and monitoring of customer capabilities, and negligence by officers in setting risk standards when providing financing during the Covid-19 pandemic. External factors occur in the members themselves because they experience declining business conditions, and there is no good faith on the part of the members in delaying installment payments. The efforts provided by KSPPS Khairu Ummah Leuwiliang Bogor Regency to customers who experienced bad credit during the Covid-19 pandemic were a stay strategy and a phase out strategy.
FAKTOR – FAKTOR.YANG BERPENGARUH TERHADAP MINAT MENGGUNAKAN APLIKASI BERBASIS FINANCIAL TECHNOLOGY (FINTECH) DI DESA BARENGKOK, DESA PABANGBON DAN DESA LEUWIMEKAR KECAMATAN LEUWILIANG KABUPATEN BOGOR Hedriawan, Adjriel; Trihantana, Rully; 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.v3i01.123

Abstract

This research examines the factors of social influence, benefits, and security, in influencing or not influencing interest in using financial technology-based applications. This research uses quantitative methods. The population in this study were people in Barengkok Village, Pabangbon Village and Leuwimekar Village. The three villages are in Leuwiliang District, Bogor Regency. The sampling technique uses the Purposive Sampling method. The data used is primary data, namely using a questionnaire with a sample of 300 people. The results of this research show that social influence, benefits and security factors partially and simultaneously influence interest in using financial technology applications
ANALISIS PERBANDINGAN KINERJA KEUANGAN PT. BANK BRI SYARIAH DAN PT. BANK BNI SYARIAH PERIODE 2015-2019 Oktaviani, Amelia; Trihantana, Rully; Kusumaningrum, Ria
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.v3i01.124

Abstract

In carrying out economic activities, people prefer to do it in healthy financial institutions (banks), so that a bank will better guarantee various forms of transactions or economic activities in the people who are its customers. Bank health assessment aims to determine whether a bank is in a healthy or unhealthy condition. To determine whether a bank is in a healthy or unhealthy condition, an assessment can be carried out through the Bank Health Level Assessment System. The health of banking financial institutions is in the interests of all parties involved, including bank owners and managers as well as service users or customers. Fluctuating profits from year to year at PT. BRI Syariah Bank and PT. BNI Syariah Bank has an impact on the good and bad of a bank's health and will also influence customers to use the bank's services, as well as investors who will invest their capital. Therefore, this research was created to determine the level of bank health using the CAMEL (Capital, Asset Quality, Management, Earning, and Liquidity) method and to determine the comparison of financial performance between BRI Syariah and BNI Syariah. The data analysis tool in this research uses quantitative descriptive analysis which takes data from the Annual Report of BRI Syariah and BNI Syariah from 2015 to 2019. Data processing uses analysis prerequisite tests (data normality test, multicollinearity test, autocorrelation test, heteroscedasticity test) and Hypothesis testing (independent sample t-test, partial test, simultaneous test, multiple linear regression test) with the help of the SPSS application program. The conclusion of this research is that there are several differences in the magnitude of the ratios between BRI Syariah and BNI Syariah seen from the results of the independent sample t-test, namely the average value of BRI Syariah CAR 21,968, KAP 1,038, NPM 4,700, ROA 5,574, FDR 78,612 and the average value -average BNI Syariah CAR 21,922, KAP 1,052, NPM 5,580, ROA 13,540, FDR 82,130. Thus, looking at the overall ratio value of the two banks, it can be concluded that BNI Syariah performed better than BRI Syariah from 2015 to 2019.
ANALISIS PEMBUKAAN REKENING ONLINE TERHADAP KEPUASAAN NASABAH BANK SYARIAH INDONESIA KANTOR CABANG PEMBANTU DRAMAGA BOGOR Kurniasih, Eneng; 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.v3i01.125

Abstract

Online account opening is regulated in Financial Services Authority Regulation (POJK) Number 12/PJOK03/2018 concerning the Implementation of Digital Banking Services by Commercial Banks. The Financial Services Authority regulates the provision of digital services for sharia and conventional banks. With these regulations, Bank Syariah Indonesia can provide digital or online services based on existing regulations. This digital or online service provided by Bank Syariah Indonesia aims to make things easier and save customers' time. In connection with this, the aim of this research is to analyze opening an online account on customer satisfaction at Bank Syariah Indonesia, Dramaga Bogor Branch Office. The research method used is a quantitative method. The variables in this research are Service Quality (X1) and Information Quality (X2) and Customer Satisfaction (Y). The research uses SPSS Version 23 tools. The results of this research conclude that service quality and information quality have a positive effect on customer satisfaction.
PENGARUH LITERASI KEUANGAN, ELECTRONIC MONEY, GAYA HIDUP, DAN KONTROL DIRI TERHADAP PERILAKU KONSUMTIF MAHASISWA PADA MASA PANDEMI COVID-19 Lisdayanti, Dina; Trihantana, Rully; Kusumaningrum, Ria
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.v3i01.126

Abstract

Financial literacy is financial knowledge and financial literacy will help individuals organize personal financial planning, so that individuals can maximize the time value of money and the profits obtained by students will be greater and will improve their standard of living. In this regard, research was conducted on students at the Sahid Bogor Islamic Institute and the Ummul Quro Al-Islami Bogor Institute. This research method uses quantitative methods with multiple regression analysis. The research results show that financial literacy, lifestyle and self-control have a positive effect on students' consumptive behavior during the Covid-19 pandemic, while electronic money has no positive effect on students' consumptive behavior during the Covid-19 pandemic.

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