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Wiwik Saidatur Rolianah
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SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Published by Sekolah Tinggi Ekonomi Islam Kanjeng Sepuh Gresik Jawa Timur
ISSN : -     EISSN : 27235289     DOI : https://doi.org/10.59636/saujana.v4i01.60
Core Subject : Religion, Economy, Humanities, Education, Social,
Religion Humanities Economics, Econometrics & Finance Education Social Sciences
The Saujana Journal is a journal that contains articles in the form of research results from Islamic Banking and Islamic Economics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 6 Documents
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Search results for , issue "Vol 5 No 01 (2023): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah" : 6 Documents clear
Analisis Organ Pembiayaan Rahn pada KSPPS BMT Lumbung Artho Jepara Zuliani Sania Sholihatin
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 5 No 01 (2023): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v5i01.96

Abstract

This study aims to analyze the implementation of the rahn contract at KSPPS BMT Lumbung Artho Jepara. Rahn holds the property of one of the borrower's owners as a loan received. Rahn can also be interpreted as a mortgage or debt guarantee. The method used in this research is qualitative research. For this type of research using field research, namely by visiting sources directly to be interviewed about rahn financing. Data collection techniques carried out in this study were observation, interviews and documentation. The results of the interviews were recorded and then analyzed regarding the application of the rahn contract in financing. The implementation of the rahn contract is carried out through the rahn financing organ structure at KSPPS Lumbung Artho along with the marketing process. In the structure of the financing organ, the role of DPS (Sharia Supervisory Board) is outside the management staff. To facilitate marketing is carried out with promotion, communication and excellent service.
Analisis Pengukuran Risiko Pembiayaan dengan Metode Value At Risk (VAR) pada BPRS di Indonesia Periode 2015-2021 Ryan Taruna
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 5 No 01 (2023): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v5i01.112

Abstract

Studi ini bermaksud untuk menilai potensi risiko yang akan dihadapi Bank Pembiayaan Rakyat Syariah Indonesia ketika terlibat dalam pembiayaan Mudharabah, Musyarakah, dan Murabahah. Studi ini menggunakan metodologi kuantitatif dan mengambil datanya dari sumber sekunder. Otoritas Jasa Keuangan menjadi sumber data yang digunakan dalam pemeriksaan ini. Untuk menghitung kerugian finansial prospektif, penelitian ini menggunakan metode Value At Risk Monte Carlo. Hasil perhitungan tersebut menunjukkan bahwa akad Mudharabah yang memiliki nilai VAR rata-rata 27% – 49% per tahun merupakan akad yang memiliki potensi kerugian pembiayaan paling tinggi, disusul oleh akad Musyarakah yang memiliki nilai VAR rata-rata 13 % – 24% per tahun, dan akad Murabahah yang memiliki nilai rata-rata 0,7% – 10,4% per tahun.
Menganalisis Sistem Informasi Manajemen dan Manfaatnya dalam Perbankan Syariah tira arista arista
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 5 No 01 (2023): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v5i01.115

Abstract

Pesatnya perkembangan teknologi informasi yang ditandai dengan kehadiran berbagai alat komunikasi modern seperti smartphone, di mana setiap orang dapat mengatur, membuat, serta mengirimkan maupun menerima segala bentuk pesan komunikasi di mana saja dan kapan saja, seolah-olah tanpa mengenal batasan ruang dan waktu, dengan sendirinya telah mempercepat terjadinya perkembangan di sektor media massa, yang merupakan bagian dari komponen komunikasi. Tujuan dari penelitian ini adalah untuk mengetahui apa itu sistem informasi manajemen, untuk mengetahui sistem informasi manajemen perbankan syariah, dan untuk mengetahui manfaat sistem informasi manajemen dalam perbankan syariah. Metodologi yang digunakan dalam penelitian ini adalah liberatur review, dengan melakukan identifikasi, evaluasi dan sintesis terhadap referensi yang berkaitan dengan tema masalah. Sistem informasi manajemen dalam perspektif Islam adalah proses pengolahan data menjadi suatu informasi yang benar dan jujur berdasarkan Alquran dan hadis untuk dapat digunakan membuat perencanaan dan pengambilan keputusan manajemen. Manajemen perbankan Syariah berarti seni dan ilmu mengelola usaha jasa perbankan syariah. Dapat dikatakan sebagai seni karena sering terjadi hal-hal khusus dan unik berdasarkan karakteristik masing-masing lembaga. dari sudut pandang lainnya, juga dapat dikatakan ilmu karena dapat dipelajari, dapat ditiru, dan dapat di dokumentasikan. Secara umum manfaat-manfaat sistem informasi manajemen tersebut dapat dikategorikan sebagai manfaat berwujud (tangible benefit) dan manfaat tak berwujud (intangible benefit). Sistem informasi yang baik dapat digunakan tidak hanya untuk menyimpan data secara elektronik tetapi harus mampu mendukung proses analisis yang diperlukan oleh manajemen. Hasil dari penelitian yang dilakukan menunjukan pengertian, manfaat dan tujuan sistem informasi manajemen, sistem informasi manajemen perbankan syariah, dan manfaat sistem informasi manajemen dalam perbankan syariah. Kata kunci: manfaat sistem informasi manajemen
Pengaruh Penggunaan Aplikasi Muamalat Din terhadap Minat dengan Metode Tam pada Nasabah Bank Muamalat Medan Lutfia Tri Aryanti
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 5 No 01 (2023): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v5i01.121

Abstract

This study aims to determine the effect of perceived usefulness, perceived ease of use and trust on the use of the Muamalat DIN application. This type of research is quantitative. The data used in this study are primary data obtained through questionnaires with variable instruments using a Likert scale which were distributed to respondents totaling approximately 100 people. The data analysis technique used is a data analysis test which consists of a validity test, reliability test, classic assumption test which consists of a normality test, multicollinearity test and heteroscedasticity test, and also uses multiple linear regression analysis, which consists of F test, T test and test the coefficient of determination (R2) using the SPSS data processing application version 26. The results of this study indicate that there is no effect of perceived usefulness on customer interest in using the Muamalat DIN application. There is a significant effect of perceived ease of use on the interest in using the Muamalat DIN application. There is a significant influence of trust on the interest in using the Muamalat DIN application. And there is a significant positive effect between Perceived Usefulness, Perceived Ease of Use and Trust on interest in using the Muamalat DIN application. Keywords: Interest, Technology Acceptance Model (TAM), Muamalat Application
Implementasi E-Banking Syariah pada Sistem Informasi Manajemen Industry Perbankan Syariah reni
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 5 No 01 (2023): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v5i01.122

Abstract

The banking industry is one sector that relies heavily on information technology. Management information systems (SIM) are important in managing data and information in banking. The Islamic banking information system that is built will certainly increase the level of transactions and the outflow of digital money input only with debit or credit transactions carried out by customers or service users, with this information system, of course, banking performance must increase in the information needs of outsiders and the appearance of bank service features to attract as many customers as possible to facilitate transactions. The services and benefits of banking information systems are needed in the current area where competition between banks is tight in the use of information systems to attract customers using information technology. In maintaining its activities, Islamic banking cooperates with the field of technology to develop Islamic banking information systems by creating a special application (AAP) that can facilitate all existing transaction processes. The reliability of banking information systems is a major factor in running this type of banking, especially Islamic banking, which is currently increasing so that a reliable Islamic banking information system is needed. The purpose of this research is to implement a SIM on an Islamic bank for the bank. Keywords: management information system, E-Bangking, Sharing Banking Risk Manajment
Strategi Pemasaran Produk Simpanan Qurban Koperasi Syariah Mitra Usaha Ideal (KOPSYAH MUI) Cabang Dukun Gresik Muhammad Yusuf Aria Widjaja; Nurul Istifadhoh
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 5 No 01 (2023): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v5i01.124

Abstract

The chance for KOPSYAH MUI to expand is due to the rise in financial institutions selling financial products and participating in financial literacy initiatives. This study aims to evaluate the KOPSYAH MUI sacrificial savings products' marketing approach. Members who want to pay in installments or save for the Eid al-Adha holiday should use sacrificial savings programs. This research is a field study that employs qualitative methodologies to describe information about the research object based on actual field observations. procedures for gathering data that include interviewing, observation, and documentation. The findings demonstrated that the KOPSYAH MUI branch in Dukun successfully adopted a marketing plan for products for sacrificial savings using a number of techniques. The marketing strategy used by KOPSYAH-MUI first applies segmentation, targeting, and positioning. Second, KOPSYAH MUI has a unique marketing strategy for sacrificial savings products that involves joint contact between branch managers and account managers with the public, industry participants, and partners. Fast marketing that does not require members to visit the service bureau is made possible by this socializing.

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