Jurnal Al-Fatih Global Mulia
Jurnal Al fatih Global Mulia P-ISSN 2580-8036, E-ISSN 2746-7058 published by STEBI Global Mulia Cikarang, is a peer-reviewed open access international journal published twice in a year. Jurnal Al-fatih Global Mulia welcomes high-quality manuscripts resulted from a research project in the scope of Islamic Economics, Islamic Finance, and Islamic Banking, which includes, but is not limited to the following topics: Islamic economics, Islamic finance, Islamic Banking, Islamic microfinance, Islamic insurance, Islamic Agricultural fields, Halal industry, Zakah, waqf, Islamic social finance, and poverty alleviation, Islamic law and sharia issues in economics and finance, Securitization and sukuk, Islamic capital markets, Macroprudential Regulation, and Other topics related to this area. The manuscript must be original research, written in English or Indonesian, and not be simultaneously submitted to another journal or conference.
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<![CDATA[PENGARUH PIUTANG MURABAHAH TERHADAP LABA BERSIH BANK SYARIAH INDONESIA (BSI) PERIODE 2021-2022 ]]>
<![CDATA[Badriati, Ii]]>;
<![CDATA[Ramadhan, Dona]]>
<![CDATA[ Jurnal Al-fatih Global Mulia Vol. 5 No. 1 (2023): Jurnal Al-Fatih Global Mulia ]]>
Publisher : <![CDATA[STEBI Global Mulia Cikarang ]]>
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DOI: 10.59729/alfatih.v5i1.57
<![CDATA[Bank Syariah Indonesia, which is known by the public, is a financial institution that oversees sharia principles. On February 1, 2021 Bank Syariah Indonesia (BSI) was the result of the merger of Bank Syariah Mandiri, Bank BRI Syariah and Bank BNI Syariah. At the same time, Bank Syariah Indonesia (BSI) released its developer product, namely murabahah financing. Murabaha financing objects whose development tends to increase from time to time. On the basis of seeing an increase in murabahah financing every year the author wants to know whether this increase has an effect on net profit at Bank Syariah Indonesia (BSI). The purpose of this research is to find out and partially describe murabahah receivables on net profit at Bank Syariah Indonesia (BSI) for the 2021-2022 period. This study uses the product theory from Adiwarman A. Karim (2008) which states that murabaha financing is the sale and purchase of goods at the original price with additional profits agreed between the bank and the customer and the net profit theory from (Kasmir, 2014) which states net profit as the difference between revenue minus costs incurred for business purposes and minus taxes. This research method is a quantitative method with secondary time series data, namely the monthly reports of Bank Syariah Indonesia (BSI) for the 2021-2022 period. Sampling using purposive sampling technique. Analyzed with the classical assumption analysis method, simple linear regression, hypotheses and processed with SPPS software version 25. The results of this research show that the acquisition of the t test results is tcount (2.492) > ttable value, (2.085). The result of the test for the coefficient of determination is the R square of 0.220 (22%). Which means that murabahah receivables have an influence of 22% on the net profit of Bank Syariah Indonesia (BSI). The hypothesis states that murabahah receivables (Variable X) have a positive and significant effect on net income (Variable Y).]]>
<![CDATA[PENCATATAN UTANG PADA PAGUYUBAN USAHA SYAR’I DI CIKARANG DALAM SUDUT PANDANG EKONOMI SYARIAH ]]>
<![CDATA[Iftiani, Nurul]]>;
<![CDATA[Supriadi, Adi]]>
<![CDATA[ Jurnal Al-fatih Global Mulia Vol. 5 No. 1 (2023): Jurnal Al-Fatih Global Mulia ]]>
Publisher : <![CDATA[STEBI Global Mulia Cikarang ]]>
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DOI: 10.59729/alfatih.v5i1.58
<![CDATA[Muslims in muamalah maliyah should be guided by the provisions of the Shari'a and pay attention to how to find halal assets in a lawful way. Because every property obtained will be held accountable by Allah on the Day of Judgment about where the wealth was obtained and where it was donated. So it is very important for Muslims to understand and know transactions that are justified by the Shari'a in order to avoid illicit assets caused by elements of transactions that are prohibited by the Shari'a. As the background for the formation of the Syar'i Business Association (PUS) is to avoid dishonorable, ghoror and usury transactions. Among the things that need to be considered in muamalah are related to recording transactions in muamalah, one of which is muamalah which is done in cash or debt which is carried out in the Syar'i Business Association. Based on this background, this study aims to find out how debt is recorded at the Syar'i Business Association and what it looks like from a sharia economic perspective. As a basis for this study, the authors used the theory of sharia accounting principles in a book authored by Dr. Muammar Kaddafi., SE., M.Si et al entitled Sharia Accounting Putting Islamic Sharia Values in Accounting. The theory of recording based on Islamic accounting principles has 3 indicators, namely accountability, fairness and truth. To reveal the problem as a whole the author uses a library research method with a qualitative descriptive approach. The data analysis technique uses data reduction, namely the process of summarizing and choosing the main points, the researcher analyzes the data obtained both through interviews and documentation, then draws conclusions to find out the recording of debts at the Syar'i Business Association. From the results of this study it can be concluded that the recording of debt at the Syar'i Business Association is in accordance with sharia accounting principles. The principles of accountability, justice and truth are applied in the form of an application that contains information related to the debt records of association members that are easily accessible by each member.]]>
<![CDATA[PENGARUH FAKTOR KEAMANAN DAN KEMUDAHAN TERHADAP MINAT GENERASI MILLENIAL MENGGUNAKAN MOBILE BANKING ]]>
<![CDATA[Amanda, Nita]]>;
<![CDATA[Ibadillah, Muhammad Nazieh]]>
<![CDATA[ Jurnal Al-fatih Global Mulia Vol. 5 No. 1 (2023): Jurnal Al-Fatih Global Mulia ]]>
Publisher : <![CDATA[STEBI Global Mulia Cikarang ]]>
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DOI: 10.59729/alfatih.v5i1.59
<![CDATA[In this era of rapidly developing technology, it can attract the interest of customers who are used as supporting facilities, where customers prioritize aspects of security and ease of use. Mobile banking technology is a type of service provided by banks to their customers so that customers can carry out banking transactions anytime and anywhere at any time without having to come to the bank concerned. The objectives of the problem in this study are: (1) To determine the influence of Islamic bank mobile banking security on the interest of the millennial generation. (2) To find out the effect of the convenience of Islamic bank mobile banking on the interest of the millennial generation. (3) To find out the influence of the security and convenience of Islamic bank mobile banking together on the interest of the millennial generation. This study uses the theory of Jarvenpaa and Hua as the X_1 variable of security, Davis and Jogiyanto's theory as the X_2 variable of convenience and Sardiman's theory as the Y variable of interest. The method used in this research is a quantitative approach. Data collection techniques in this study used documentation and questionnaires with a Likert scale. The sampling technique used was using the Slovin formula with the number of samples used in this study as many as 100 respondents. Furthermore, the questionnaire data were analyzed using multiple linear regression analysis, validity test, reliability test, classical assumption test including multicollinearity test, normality test, heteroscedasticity test, t test, F test and coefficient of determination test. The results showed that the security variable had a partially significant effect on the millennial generation's interest in using mobile banking with a t-count of 3.693 > 1.660 t-table (df=97). And the convenience variable significantly influences the millennial generation's interest in using mobile banking with a t count of 3.666 > 1.660 t table (df=97). Next, the simultaneous effect with the F test shows that the security and convenience variables together significantly influence the millennial generation's interest in using mobile banking with an calculated F value of 12.120 > 2.76 F table.]]>
<![CDATA[PENGARUH LABEL HALAL TERHADAP KEPUTUSAN PEMBELIAN PRODUK KOSMETIK WARDAH ]]>
<![CDATA[Nurmaya Adianti, Siti]]>;
<![CDATA[Ayuningrum, Febrima]]>
<![CDATA[ Jurnal Al-fatih Global Mulia Vol. 5 No. 1 (2023): Jurnal Al-Fatih Global Mulia ]]>
Publisher : <![CDATA[STEBI Global Mulia Cikarang ]]>
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DOI: 10.59729/alfatih.v5i1.60
<![CDATA[Cosmetics is one of the products offered to meet the secondary needs and desires of consumers, in order to appear more beautiful and attractive. Because the majority of the population in Indonesia adheres to the Islamic religion with a Muslim population reaching 86.9%, therefore certainty about product halalness is an important thing to pay attention to. The development of halal cosmetics in Indonesia has grown quite significantly. This is marked by the emergence of cosmetic companies with various brands. The cosmetic brand that is quite well-known in the community is Wardah. This study aims to determine how the influence of the halal label on the decision to purchase Wardah cosmetic products. In this study the authors used the label theory according to Philip Kotler and Garry Armstrong (2010) and the purchasing decision theory according to Tjiptono (2011). The method used in this study is a quantitative method by distributing questionnaires. Subjects in this study used a sample of 86 respondents. Sources of data used in this study are primary and secondary data. The data analysis method used in this study is the data normality test, data linearity test, simple regression test and t test using IBM SPSS 22. The results of this study indicate that the Halal Label (X) influences Purchase Decision (Y). The results in the test can be seen from the results of the simple linear regression test, it can be seen that the results of the significance of t are 0.000 <0.05 so that H0 is rejected and Ha is accepted. This shows that the Halal Label variable (X) has a significant effect on Purchase Decision (Y). And it can also be seen from the t count of 14.517 which means the t count is greater than the t table of 1.992.]]>
<![CDATA[PENGARUH KEMUDAHAN DAN KUALITAS INFORMASI TERHADAP MINAT MAHASISWA DALAM PENGGUNAAN LAYANAN M-BANKING PADA BANK SYARIAH ]]>
<![CDATA[Nurajizah, Nurajizah]]>;
<![CDATA[Sari, Rika Mustika]]>
<![CDATA[ Jurnal Al-fatih Global Mulia Vol. 5 No. 1 (2023): Jurnal Al-Fatih Global Mulia ]]>
Publisher : <![CDATA[STEBI Global Mulia Cikarang ]]>
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DOI: 10.59729/alfatih.v5i1.61
<![CDATA[Technological developments in this rapidly growing era of globalization can attract the interest of customers who are used as supporting facilities for activities of all levels of society. One of the information technology in Islamic banking is m-banking service which is the development of the two previous forms of innovation in Islamic banking, namely SMS banking and internet banking. If interest has arisen in the prospective customer, it is hoped that the prospective customer can decide to use m-banking services. The purpose of this study was to determine the level of influence of the ease and quality of information on interest in the use of mobile banking services at Islamic banks partially or simultaneously. This study uses quantitative methods, the data used are primary and secondary data. The data collection technique used the Slovin formula sampling technique with 93 respondents. Data analysis used multiple linear regression analysis and used validity test, reliability test, classical assumption test and hypothesis test. Data processing using SPSS Version 25.0 for windows. The results of this study can be concluded that partially the convenience variable has a significant effect on student interest in using m-banking services at Islamic banks with a t-count value of 4.058 > 1.986 t table (df=90) and a sig value of 0.000 <0.05. And the information quality variable has a significant effect on student interest in using m-banking services at Islamic banks with a t-count value of 4.570 > 1986 and a sig value of 0.000 <0.05. Furthermore, the simultaneous effect with the F test shows that the ease and quality of information have a significant effect on student interest in using m-banking services at Islamic banks with a calculated F value of 122.177 > 3.10. Based on the coefficient of determination test, it shows that the influence of interest on the ease and quality of information is 73.1%, the remaining 26.9% is explained by variables outside the variables studied.]]>
<![CDATA[Analisis Keefektifan Sistem Pembayaran Cash on Delivery (COD) di E-commerce Indonesia ]]>
<![CDATA[Nia, Nia]]>
<![CDATA[ Jurnal Al-fatih Global Mulia Vol. 5 No. 2 (2023): Jurnal Al Fatih Global Mulia ]]>
Publisher : <![CDATA[STEBI Global Mulia Cikarang ]]>
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DOI: 10.59729/alfatih.v5i2.41
<![CDATA[The system of Cash on Delivery (COD) has becoming one of payment method that is favored by Indonesian citizen. The aim of this research is to analyse the effectiveness of COD payment system in Indonesian e-commerce. This research used descriptive qualitative method. The result of this research showed that this system was effective for both seller and buyer, but it was not effective for courier. It was caused the lack of deep information about this system. Thus, it was suggested to give an extra education such as in TV advertisement.]]>
<![CDATA[STUDI LITERATUR: PENGARUH KEPEMIMPINAN ISLAMI TERHADAP KINERJA KARYAWAN BANK SYARIAH DI INDONESIA ]]>
<![CDATA[Nur Ainia, Risna]]>;
<![CDATA[Agung Prakoso, Firza]]>;
<![CDATA[In, Churin]]>
<![CDATA[ Jurnal Al-fatih Global Mulia Vol. 5 No. 2 (2023): Jurnal Al Fatih Global Mulia ]]>
Publisher : <![CDATA[STEBI Global Mulia Cikarang ]]>
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DOI: 10.59729/alfatih.v5i2.63
<![CDATA[This journal aims to analyze the relationship between Islamic leadership and the performance of Sharia Bank employees. This study is a qualitative descriptive study with a literary study method, namely a review of previous research relating to the relationship between Islamic leadership and the performance of Sharia Bank employees. Some data was obtained from research journals and previous scientific articles which were then analyzed by data display and data verification. The results of data analysis show that there are three previous studies which state that Islamic leadership has a positive effect on the performance of Sharia Bank employees. In two other studies, there were results that Islamic leadership did not have a significant positive effect on the performance of Sharia Bank employees. Keyword: Islamic Leadership, Kinerja Karyawan, Sharia Bank]]>
<![CDATA[Trend Fashion Muslim Abaya Perspektif Pemasaran Islam (Studi Kasus Toko Abaya Pasuruan) ]]>
<![CDATA[churin_in]]>;
<![CDATA[Muhammad Aufin]]>;
<![CDATA[Nunuk Indarti]]>
<![CDATA[ Jurnal Al-fatih Global Mulia Vol. 5 No. 2 (2023): Jurnal Al Fatih Global Mulia ]]>
Publisher : <![CDATA[STEBI Global Mulia Cikarang ]]>
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DOI: 10.59729/alfatih.v5i2.66
<![CDATA[Trend fashion Muslim tahun 2024 ini ialah fashion gamis Abaya. Abaya merupakan budaya yang lahir bukan berasal dari datangnya Islam dan bukan pakaian wanita Muslim diseluruh dunia. Abaya kini sudah menjadi fashion yang mampu bersaing dengan fashion modern lainnya bahkan disajikan di acara mode busana kelas dunia seperti Dubai Fashion Week. Keberadaannya telah menjadi favorit di kalangan wanita Muslim di Timur Tengah dan sekitarnya. Namun sekarang, model pakaian ini cukup populer di Indonesia sebagai salah satu trend busana muslim 2024. Tahun 2024 membawa trend baru dalam dunia fashion muslim dengan memadukan gaya klasik, kenyamanan dan keanggunan. Salah satu yang menggerakkan Trend Fashion Muslim Abaya di Indonesia adalah wilayah Jawa Timur tepatnya Pasuruan. Penelitian ini bertujuan untuk menggabungkan kerangka kerja konseptual dengan strategi toko abaya Pasuruan dalam memberikan kontribusi mereka untuk menciptakan trend fashion muslim dari pandangan Pemasaran Islam. Penelitian ini merupakan jenis artikel konseptual. Artikel ini merupakan hasil pemikiran penulis yang berangkat dari permasalahan yang dituangkan dalam bentuk tulisan.. Hasil penelitian ini menunjukkan bahwa keberhasilan produsen Abaya Pasuruan dalam memberikan kontribusi mereka menciptakan trend Fashion Muslim Abaya saat ini masih belum sepenuhnya menerapkan konsep Pemasaran Islam. Terdapat beberapa praktik marketer yang belum mewujudkan praktik mekanisme pasar yang sehat dan baik. Kata kunci: Trend Fashion Muslim, Abaya, Pemasaran Islam]]>
<![CDATA[SHOPEE COLLABORATION WITH AFFILIATES TO CREATE CONSUMER IMPULSE BUYING ]]>
<![CDATA[Churin In]]>;
<![CDATA[Risna Nur Ainia]]>;
<![CDATA[Firza Agung Prakoso]]>
<![CDATA[ Jurnal Al-fatih Global Mulia Vol. 5 No. 2 (2023): Jurnal Al Fatih Global Mulia ]]>
Publisher : <![CDATA[STEBI Global Mulia Cikarang ]]>
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DOI: 10.59729/alfatih.v5i2.70
<![CDATA[One of the platforms developing in Indonesia is "Shopee". Shopee is an online shopping platform that has successfully expanded its market coverage and become one of the leading e-commerce companies in the Southeast Asia region. With the continued growth in the number of users, Shopee provides consumers with access to explore products practically and efficiently. Shopee is not only limited to online business transactions but also creates large and easily accessible job opportunities. One of them is opening an affiliate program by becoming a Shopee content creator. The Shopee affiliate program is a Shopee program for content creators who will promote various products on Shopee for which they will later be given a commission. The more active an affiliate is in promoting Shopee goods, the more commission he will get. This research aims to determine the collaboration between Affiliates and Shopee in encouraging consumers to make unplanned purchases (impulse buying). The method used is a qualitative method with a case study approach. The results of this research show that the Shopee Affiliate program is a collaboration program between Affiliates and Shopee so that Shopee products are better known to the wider community so that Shopee customers continue to increase and this, without realizing it, causes more customers to do impulse buying.]]>
<![CDATA[Islamic Ekonomi Islam dalam Pandangan Imam Asy Syatibi : - ]]>
<![CDATA[MUHAMMAD ZAINI EL WAHYU]]>
<![CDATA[ Jurnal Al-fatih Global Mulia Vol. 6 No. 1 (2024): Jurnal Al Fatih Global Mulia ]]>
Publisher : <![CDATA[STEBI Global Mulia Cikarang ]]>
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DOI: 10.59729/alfatih.v6i1.72
<![CDATA[Jurnal ini membahas pemikiran ekonomi makro Islam Imam Asy-Syatibi, yang menekankan pentingnya keadilan sosial, kesejahteraan masyarakat, dan etika dalam aktivitas ekonomi. Asy-Syatibi, seorang ulama besar dari abad ke-14, memperkenalkan konsep maslahat (kebaikan umum) yang menjadi dasar dalam penentuan kebijakan ekonomi. Jurnal ini menganalisis prinsip-prinsip ekonomi makro yang diusulkan oleh Asy-Syatibi, termasuk pengaturan distribusi kekayaan, pencegahan monopoli, dan peran negara dalam menjaga stabilitas ekonomi. Selain itu, penelitian ini menggali relevansi pemikiran beliau dalam konteks ekonomi modern, serta implikasinya terhadap kebijakan ekonomi yang lebih berkeadilan. Metode penelitian yang digunakan dalam jurnal Pemikiran Ekonomi Makro Imam Asy-Syaitibi, adalah metode kualitatif dengan pendekatan deskriptif. Metode ini dilakukan dengan cara memperoleh data berupa studi literatur. Penelitian ini berfokus pada penerapan praktis atau studi kasus dalam menerapkan pemikiran Imam Asy-Syaitibi Dengan demikian, kontribusi Asy-Syatibi dalam ekonomi makro Islam menawarkan perspektif yang signifikan untuk menghadapi tantangan ekonomi kontemporer.]]>
