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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 KINERJA KEUANGAN ANTARA BANK MUAMALAT DAN BANK SYARIAH MANDIRI PERIODE 2015-2019 Nurfauziah, Dhea; Trihantana, Rully; Kusumaningrum, Ria
SAHID BANKING JOURNAL Vol 3 No 02 (2024): MEI 2024
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i02.150

Abstract

This study aims to determine the financial performance of Bank Muamalat and Bank Syariah Mandiri and to find out whether there is a significant difference between the financial performance of Bank Muamalat and Bank Syariah Mandiri for the period 2015 to 2019. The subjects of this study were Bank Muamalat and Bank Syariah Independent. In this study using comparative and quantitative analysis methods and using secondary data, namely financial reports and annual reports published in 2015-2019. The results of this study are that Bank Muamalat and Bank Syariah Mandiri have good financial performance when viewed through the CAR ratio while viewed through NPF and FDR, Bank Muamalat and Bank Syariah Mandiri have good financial performance. With this research, it can be concluded that Bank Muamalat and Bank Syariah Mandiri show very good financial performance when viewed in terms of CAR ratio while when viewed in terms of NPF and FDR ratios Bank Muamalat and Bank Syariah Mandiri show good financial performance and there are significant differences on the financial performance of Bank Muamalat and Bank Syariah Mandiri where based on the ratio test (ROA, ROE, DGR, LGR, CAR) the performance of Bank Syariah Mandiri as a whole is better than the performance of Bank Muamalat.
FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MASYARAKAT TERHADAP PEMBIAYAAN MITRA EMAS BANK JAWA BARAT SYARIAH KANTOR CABANG PEMBANTU JEMBATAN MERAH, KOTA BOGOR, JAWA BARAT Mulniasari, Nina; Trihantana, Rully; Kusumaningrum, Ria
SAHID BANKING JOURNAL Vol 3 No 02 (2024): MEI 2024
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i02.151

Abstract

This study aims to determine and analyze the influence of factors consisting of cultural, social, personal, psychological, reference, and economic factors on people’s interest in choosing Mitra Emas Financing at BJB Syariah KCP Jembatan Merah. The type of research used in this thesis is a quantitative methode. The processed data is in the form of partial and simultaneous data. Data analysis techniques used in this study using observation and questionnaires, data processing using SPSS. Based on the result of the study, it showed that culture ((X1), social (X2), personal (X3), psychological (X4), reference (X5), economics(X6), had an effect on Public Interest in BJB Syariah KCP Jembatan Merah Gold Partners Financing. This is evidenced by the value of t count > t table. Therefore ho is rejected and He is accepted. From the test results on the simultaneous research of cultural, social, personal, psychological, reference, and economic factors and real influence on people’s interest in gold partner financing. This is evidenced by the F count > F table (37.477 > 2.29) and the sig value of 0.000 < 0.05. So the calculation shows that the independent variables consist of culture, social, personal, psychological, reference, and economics.
ANALISIS PERAN PEMBIAYAAN USAHA MIKRO PADA USAHA MIKRO KECIL DAN MENENGAH DI BANK SYARIAH INDONESIA KANTOR CABANG PEMBANTU TAJUR, KOTA BOGOR, JAWA BARAT Rahman, Elisa; Trihantana, Rully; Suryani, Ermi
SAHID BANKING JOURNAL Vol 3 No 02 (2024): MEI 2024
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i02.152

Abstract

Bank Syariah Indonesia KCP Bogor Tajur 1 is one of the financial institutions that distributes People's Business Credit funds to MSMEs. This study aims to find out how the role of Bank Syariah Indonesia KCP Bogor Tajur 1 in providing financing for KUR funds during the Covid 19 pandemic to financing customers for MSME actors, and how the impact of People's Business Credit (KUR) funds on Micro Business actors. This research method is a type of qualitative research with a field research method approach (field research) which is the object of this research, na mely 4 KUR financing customers and 2 staff employees of Bank Syariah Indonesia KCP Bogor Tajur 1. The results of the research at Bank Syariah Indonesia KCP Bogor Tajur 1 played a role in MSME customers during the Pandemic, namely the existence of policies from the bank towards financing customers affected by the Covid - 19 pandemic who experienced congestion in payments, namely the addition of an installment period (restructuring), and the existence of increase in income and business development of financing customers after using KUR.
ANALISIS PERBANKAN SYARIAH PENGARUH KUALITAS PELAYANAN MIKRO KREDIT SALES TERHADAP KEPUASAN KONSUMEN DAN DAMPAKNYA PADA MINAT PENGAMBILAN ULANG KREDIT DI BANK MANDIRI KANTOR CABANG PEMBANTU TAWES, JAKARTA Munandar; Thantawi, Tubagus Rifqy; Mubarok, Mohamad Kharis
SAHID BANKING JOURNAL Vol 3 No 02 (2024): MEI 2024
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i02.153

Abstract

The purpose of this study was to determine the effect of Micro Credit Sales (MKS) Service Quality on Consumer Satisfaction and Its Impact on Interest in Credit Retrieval (Survey on Micro Credit Consumers at Bank Mandiri Tawes). The number of samples is 71 respondents. The results of this study state that: service quality has a positive effect on customer satisfaction which can be seen in the results of path analysis, the results of the equation model 1 are Y = 15.223 + 0.509 X + 0.630 Z and the equation model 2 is Z = 4.227 + 0.909 X , while the results of the t test in model 1 obtained the value of sig. 0.009 < 0.05 and t value 5.090 > 1.99495, it means that there is a significant influence between Service Quality on credit re-taking while for consumer satisfaction with credit re-taking is 0.000 < 0.05 and the t-value is 6.753 > 1.99495 which means there is an influence which is significant between consumer satisfaction with credit re-taking and in model 2 the results of the t test with a value of sig. 0.000 <0.05 and the t-count value is 11.916> 1.99495, it means that there is a significant influence between Service Quality on customer satisfaction. Furthermore, in the Sobel test, the z-value obtained is 4.567> 1.98 with a significance level of 5%, it proves that customer satisfaction significantly mediates the effect of service quality on credit withdrawal.
ANALISIS MINAT DAN PEMANFAATAN APLIKASI BERBASIS FINANCIAL TECHNOLOGY (FINTECH) PADA KARYAWAN BANK PEMBIAYAAN RAKYAT SYARIAH AMANAH UMMAH, KABUPATEN BOGOR, JAWA BARAT Riyadi, Fariz Fajar; Trihantana, Rully; Kusumaningrum, Ria
SAHID BANKING JOURNAL Vol 3 No 02 (2024): MEI 2024
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i02.154

Abstract

The presence of application-based Financial Technology (Fintech) Payment services is an innovation that makes it one of the supports in non-cash transactions and supports the National Non-Cash Movement (GNNT) which has been launched by Bank Indonesia (BI) since 2014. Fintech Payment has a portion greater usage than other Financial Technology services. The use of these services has increased during the COVID-19 pandemic because it can reduce physical contact between buyers and sellers during transactions. In 2021 the use of the DANA, OVO and GOPAY applications will be the highest used fintech payment applications and have the largest users on the island of Java, namely Jakarta, West Java, Central Java, Yogyakarta and East Java. Therefore an analysis is needed regarding the interest and utilization of financial technology-based applications. This research was conducted with the aim of knowing the factors and perceptions of BPRS Amanah Ummah employees about their interest in using the application. This research uses quantitative survey method. The technique used in collecting data by distributing questionnaires. The results of this study indicate that Perceived Convenience (X1), Perceived Usefulness (X2), and Perceived Trust (X3) influence the interest in using financial technology (fintech)-based applications (Y) by 70.1%. Meanwhile, the rest (29.9%) is influenced by other variables outside of this study. Perceived trust has a significant effect on interest in using financial technology (fintech)-based applications, while perceived convenience and perceived usefulness have no significant effect. So that if there is an increase or decrease in the level of trust in fintech payment services, this will be followed by an increase or decrease in interest in using fintech payments (DANA/OVO/GOPAY)..
ANALISIS PELAKSANAAN MONITORING NASABAH PEMBIAYAAN BANK PEMBIAYAAN RAKYAT SYARIAH AMANAH UMMAH, KABUPATEN BOGOR, JAWA BARAT, PADA MASA PANDEMI COVID-19 Rafiduddin; Trihantana, Rully; Kusumaningrum, Ria
SAHID BANKING JOURNAL Vol 3 No 02 (2024): MEI 2024
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i02.155

Abstract

Since the Covid-19 pandemic, the decline in business activities of BPRS Amanah Ummah customers has had an impact on the ability to pay installment obligations or the emergence of problematic financing. So that the financing monitoring process runs tighter than usual. The purpose of this study is to analyze and find out the course of financing monitoring activities at BPRS Amanah Ummah and how to resolve problematic financing. The research method used in this research is a qualitative method. Qualitative method is a research method that produces descriptive data in the form of written or spoken results from people or behavior that can see and pay attention to a research result. With this research it can be concluded that the financing monitoring function at the BPRS Amanah Ummah is running well. Because, even though we are in a pandemic, the NPF ratio is still within normal limits or 1% ≤, namely 3.74% in 2020 and 2.83% in 2021.
ANALISIS STRATEGI PENINGKATAN PENDAPATAN TABUNGAN HAJI KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH BAYTUL IHKTIAR CABANG LEUWISADENG, KABUPATEN BOGOR, JAWA BARAT Putra, Gilang Permana; Thantawi, Tubagus Rifqy; Mursyidah, Azizah
SAHID BANKING JOURNAL Vol 3 No 02 (2024): MEI 2024
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i02.156

Abstract

This research aims to analyze and find out the current internal and external environment of KSPPS Baytul Ihktiar Leuwisadeng Branch, especially with regard to community empowerment through Hajj Savings at KSPPS Baytul Ihktiar Leuwisadeng Branch, analyze and find out what factors are internally and externally attached to KSPPS Baytul Ihktiar Leuwisadeng Branch in community empowerment through Hajj Savings, as well as analyzing and knowing the strategies that need to be carried out by KSPPS Baytul Ihktiar Leuwisadeng Branch in empowering the community through Hajj Savings. The method used is a qualitative method, with SWOT analysis techniques. The results of the study stated that based on the IFAS and EFAS matrix tables with a total value of IFAS 2.40 and EFAS 3.11. The next strategy that must be carried out by KSPPS Baytul Ihktiar Leuwisadeng Branch in developing the Islamic economy and empowering the community through Hajj Savings is to concentrate on Vertical Integration, which is a strategy that aims to further strengthen the market share of Hajj Savings by expanding the network in Bogor Regency and its surroundings.
PERAN PEMBIAYAAN MURABAHAH TERHADAP PERKEMBANGAN USAHA MIKRO KECIL DAN MENENGAH ANGGOTA KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH BAYTUL IKHTIAR CABANG TAMANSARI, KABUPATEN BOGOR, JAWA BARAT Adrian, Muhamad Yogi; Thantawi , Tubagus Rifqy; Mubarok, Mohamad Kharis
SAHID BANKING JOURNAL Vol 3 No 02 (2024): MEI 2024
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i02.157

Abstract

The Muralbalhalh finalncing provided by the Talmalnsalri bralnch of KSPPS Balytul Ikhtialr to Micro, Smalll alnd Medium Enterprises (MSMEs) tralders is used to meet the needs of the business world alnd their living needs. So thalt malny of the Micro, Smalll alnd Medium Enterprises (MSMEs) tralders alre interested in the muralbalhalh finalncing offered by the Talmalnsalri bralnch of KSPPS Balytul Ikhtialr. Balsed on the albove presentaltion, the formulaltion of the problem in this study is how the chalralcteristics of all-muralbalhalh finalncing in the Talmalnsalri bralnch of KSPPS Balytul Ikhtialr, How the Development of MSMEs members of the Talmalnsalri bralnch of KSPPS Balytul Ikhtialr alnd how the role of All-Muralbalhalh Finalncing on MSMEs members of the Talmalnsalri bralnch of KSPPS Balytul Ikhtialr. The theoreticall concept used in this study refers to the theoreticall concepts of Veithzall Rivali alnd Alrviyaln Alrifin, it is salid thalt the purpose of providing finalncing includes five stalges, nalmely: improving the people's economy, providing business funds, increalsing productivity, crealting jobs, alnd distributing income. This study used field resealrch (field resealrch) daltal obtalined from interview results. This resealrch wals palssed through aln observaltion process, questionnalires alnd collecting alccuralte daltal balsed on the falcts of the source, then documentaltion to complete alnd provide informaltion in the resealrch process. The results of this studystalted thalt the chalralcteristics of muralbalhalh finalncing alt the Talmalnsalri bralnch of KSPPS Balytul Ikhtialr used al salle alnd purchalse algreement, the profit wals in the form of al salles malrgin algreed by both palrties. The muralbalhalh finalncing mechalnism implemented by the Talmalnsalri bralnch of KSPPS Balytul Ikhtialr provides convenience for MSME alctors in obtalining aldditionall business calpitall. KSPPS Balytul Ikhtialr Talmalnsalri bralnch hals provided muralbalhalh finalncing in alccordalnce with the desired talrgets alnd talrgets.
ANALISIS PENGARUH LITERASI AKAD SYARIAH ANGGOTA KOPERASI TERHADAP PENGAMBILAN KEPUTUSAN PEMBIAYAAN DI KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH BAYTUL IKHTIAR CABANG PAMIJAHAN, KABUPATEN BOGOR, JAWA BARAT Fadilah, Muhamad Ichsan; Thantawi, Tubagus Rifqy; Mubarok, Mohamad Kharis
SAHID BANKING JOURNAL Vol 3 No 02 (2024): MEI 2024
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i02.158

Abstract

Today's Islamic financial institutions show very rapid progress in all countries that have a Muslim majority and with the development of knowledge and awareness about the prohibitions that have been determined by Islamic sharia. Likewise in Indonesia, which has a majority Muslim population. The purpose on this study is to analyze and explain the influence of Sharia contract literacy which is divided into four factors that are considered to have an influence, namely the knowledge, abilities, attitudes and beliefs of members of KSPPS Baytul Ikhtiar Pamijahan Branch in making decisions to finance at KSPPS Baytul Ikhtiar. The method used on this research is quantitative method with the data collection method using primary data obtained through a questionnaire with a sample of 100 respondents
ANALISIS PERILAKU MASYARAKAT TERHADAP KEBIJAKAN PEMBIAYAAN BANK SYARIAH (STUDI DI DESA KAREHKEL, DESA LEUWIMEKAR DAN DESA BARENGKOK KECAMATAN LEUWILIANG, KABUPATEN BOGOR, JAWA BARAT) Fauzi Rahman, Muhammad Wildan; Thantawi, Tubagus Rifqy; Anwar, Miftakhul
SAHID BANKING JOURNAL Vol 3 No 02 (2024): MEI 2024
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i02.159

Abstract

Customer behavior is an activity that discusses and explains how to make decisions both individually and in groups to determine decisions to use or make purchases of a product, in this case an assessment of Islamic banking financing policies. The main objective of this study is to analyze customer behavior in taking financing at Islamic banks. This study used a proportionate stratified random sampling technique. Data collection was carried out by library research, documentation study and observation. The results of this study prove that customer behavior has a positive and significant influence of 86.1% on Islamic banking policies. The realization of these sharia banking policies is based on the behavior of customers who want these sharia banking policies to provide customer trust and satisfaction.

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