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<![CDATA[Implementasi E-Banking Syariah pada Sistem Informasi Manajemen Industry Perbankan Syariah ]]>
<![CDATA[reni]]>
<![CDATA[ SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 5 No 01 (2023): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah ]]>
Publisher : <![CDATA[STEI Kanjeng Sepuh Gresik Jawa Timur ]]>
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DOI: 10.59636/saujana.v5i01.122
<![CDATA[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]]>
<![CDATA[Strategi Pemasaran Produk Simpanan Qurban Koperasi Syariah Mitra Usaha Ideal (KOPSYAH MUI) Cabang Dukun Gresik ]]>
<![CDATA[Muhammad Yusuf Aria Widjaja]]>;
<![CDATA[Nurul Istifadhoh]]>
<![CDATA[ SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 5 No 01 (2023): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah ]]>
Publisher : <![CDATA[STEI Kanjeng Sepuh Gresik Jawa Timur ]]>
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DOI: 10.59636/saujana.v5i01.124
<![CDATA[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.]]>
<![CDATA[Pengaruh Layanan Internet Banking pada Bank Syariah Indonesia Terhadap Masyarakat ]]>
<![CDATA[Renda]]>
<![CDATA[ SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 6 No 01 (2024): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah ]]>
Publisher : <![CDATA[STEI Kanjeng Sepuh Gresik Jawa Timur ]]>
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DOI: 10.59636/saujana.v6i1.119
<![CDATA[Tulisan ini membahas tentang seperti apa pengaruh yang ditimbulkan dari penggunaan layanan internet banking di perbankan syariah terhadap masyarakat. Pengaruh berarti daya yang ada atau timbul dari sesuatu (orang, benda) yang ikut membentuk watak, kepercayaan, atau perbuatan seseorang, sesuatu yang timbul akibat penggunaan layanan oleh masyarkat sehari-hari. pengaruh dibagi menjadi dua, ada yang positif, ada pula yang negatif. Bila seseorang memberi pengaruh positif kepada masyarakat, ia megajak mereka untuk menuruti apa ia inginkan. Namun bila pengaruh seseorang kepada masyarakat adalah negatif maka masyarakat justru akan menjauhinya. Sejauh ini penggunaan layanan internet banking membawa dampak baik bagi masyarakat, mempermudah setiap ingin melakukan transaksi dan masyarakat senang akan hadirnya layanan tersebut. Layanan ini juga dilengkapi banyak keamanan dari segi mana saja sehingga masyarakat tidak perlu khawatir dalam memilih layanan internet banking dalam melakukan transaksi.]]>
<![CDATA[Analisis Pertumbuhan Ekonomi, Nilai Tukar dan Jumlah Uang Beredar Terhadap Gross Domestik Product di Indonesia ]]>
<![CDATA[Putri Serenita Siti]]>
<![CDATA[ SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 6 No 01 (2024): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah ]]>
Publisher : <![CDATA[STEI Kanjeng Sepuh Gresik Jawa Timur ]]>
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DOI: 10.59636/saujana.v6i1.136
<![CDATA[Penelitian ini bertujuan untuk menganalisis pengaruh pertumbuhan ekonomi, nilai tukar (KURS) dan jumlah uang beredar (JUB) terhadap GDP di Indonesia. Penelitian ini menggunakan model analisis data time series. Data yang digunakan dalam penelitian ini adalah data sekunder dari tahun 1970-2020 yang bersumber dari berbagai laporan dan kompilasi khususnya publikasi dari world bank. Model yang digunakan regresi linear berganda dengan metode analisis menggunakan pendekatan estimasi Ordinary Least Square (OLS). Hasil perhitungan menunjukkan bahwa nilai koefisien determinasi menunjukkan bahwa nilai adjust R-square sebesar 0.905034 yang berarti bahwa variasi perubahan naik turunnya GDP dapat dijelaskan oleh pertumbuhan ekonomi, nilai tukar (KURS), dan jumlah uang beredar (JUB) sebesar 90% sementara sisanya yaitu sebesar 10% dijelaskan oleh variabel lain yang tidak diteliti dalam penelitian ini.]]>
<![CDATA[Ekonomi Analisis SWOT Infrastruktur Digital Publik (IDP) dalam Meningkatkan Inklusi Keuangan di Indonesia ]]>
<![CDATA[Aprilia Dayini]]>
<![CDATA[ SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 6 No 01 (2024): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah ]]>
Publisher : <![CDATA[STEI Kanjeng Sepuh Gresik Jawa Timur ]]>
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DOI: 10.59636/saujana.v6i1.137
<![CDATA[This study aims to determine Public Digital Infrastructure (IDP) in Increasing Financial Inclusion in Indonesia. This research method adopts a library research analysis technique, namely descriptive analysis plus qualitative analysis. Based on the SWOT (Strengths-Weaknesses-Opportunities-Threats) analysis of this study, it can be concluded that IDPs provide a basis for digital innovation. At the same time increasing productivity, encouraging financial transformation and inclusive economic growth, as well as providing easier and faster financial services for all. IDP Indonesia's development is supported by strong digital potential, and public digital infrastructure (IDP) plays an important role in supporting financial products that are conducive to increasing financial inclusion. Digitalization can increase productivity and resource efficiency.]]>
<![CDATA[The Process of Transforming Farmers into Entrepreneurs in Indonesia ]]>
<![CDATA[Heri Cahyo Bagus Setiawan]]>;
<![CDATA[Beni Dwi Komara]]>;
<![CDATA[Aries Kurniawan]]>
<![CDATA[ SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 5 No 02 (2023): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah ]]>
Publisher : <![CDATA[STEI Kanjeng Sepuh Gresik Jawa Timur ]]>
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DOI: 10.59636/saujana.v5i02.138
<![CDATA[This study will only examine two things, namely: (1) how is the process of transforming farmers into entrepreneurs and (2) what benefits are obtained by participants who work as farmers while participating in the agripreneur academy program from the Sang Matahari Educational Institute (LPSM). The approach in this study uses an exploratory qualitative approach. From the results of the research and discussion that we analyzed, it was concluded that the transformation process from farmer to entrepreneur who took part in the agripreneur academy education program at LPSM in Sidoarjo, was as follows: (1) Curriculum designed to educate participants to become entrepreneurs in agriculture and plantations; (2) The entrepreneurial mindset of farmers as participants in the agripreneur academy is that farmers aspire to be entrepreneurs and have the motivation to develop their farming/agriculture business through networking and enriching the vision and mission; (3) The process of transforming from a farmer into an entrepreneur is known from two major changes, namely the transformation of farmers from cultivation to market-oriented farmers and from traditional farmers to managerial entrepreneurs.]]>
<![CDATA[Persepsi Mahasiswa Perbankan Syariah Terhadap Minat Menggunakan Produk Bank Syariah ]]>
<![CDATA[Rahmaniah Kusuma Wardani]]>;
<![CDATA[M. Yarham]]>;
<![CDATA[Ridwana Siregar]]>
<![CDATA[ SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 5 No 02 (2023): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah ]]>
Publisher : <![CDATA[STEI Kanjeng Sepuh Gresik Jawa Timur ]]>
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DOI: 10.59636/saujana.v5i02.140
<![CDATA[Persepsi mahasiswa merupakan suatu potensi dimana persepsi orang yang mencari dan mendalami berbagai macam ilmu, baik umum ataupun agama dalam kehidupan bermasyarakat itu sangat penting, sepert halnya persepsi/pengetahuan tentang sesuatu yang berhubungan dengan perbankan syariah. Bank syariah yang memiliki produk-produk syariah tersendiri. Penelitian ini merupakan penelitian kualitatif dengan pendekatan deskriptif, pengumpulan data menggunakan kuisoner. Teknik pengambilan sampel pada penelitian ini menggunakan Rumus untuk menentukan besar sampel adalah rumus Slovin. Pada penelitian sampel random sampling ini, hasil sampel dari rumus ini adalah 100 Mahasiswa. Alat analisis yang digunakan dalam penelitian ini adalah analisis regresi linier sederhana dengan uji asumsi klasik, uji validitas, dan uji reliabilitas. Instrumen penelitian yang digunakan dalam penelitian ini menggunakan skala likert. Skala Likert digunakan untuk mengukur sikap, pendapat, dan persepsi seseorang terhadap fenomena tersebut. Mayoritas mahasiswa belum mengetahui tentang produ-produk perbankan syariah dan sisitem akad-akad yang ada di bank syariah.]]>
<![CDATA[A Strategi Pembiayaan Perbankan Syariah Dalam Mendukung Keuangan Inklusif Bagi Sektor Mikro studi kasus PT. BPRS Gebu Prima Medan ]]>
<![CDATA[Mely Nur Afrilia]]>
<![CDATA[ SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 5 No 02 (2023): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah ]]>
Publisher : <![CDATA[STEI Kanjeng Sepuh Gresik Jawa Timur ]]>
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DOI: 10.59636/saujana.v5i02.142
<![CDATA[Abstract At PT. BPRS Gebu Prima Medan from the last 5 years the company has produced a declining total of customers for financing products, even though BPRS Gebu Prima has carried out various promotions but it is still arguably ineffective. This study aims to see how the financing strategy of BPRS Gebu Prima Medan, what are the obstacles that occur in financing for the micro sector as well as solutions and solutions using SWOT analysis at PT BPRS Gebu Prima Medan. The research method used is qualitative, namely by using interview technique research steps to obtain descriptive information, namely analyzing various internal factors to see factors outside the company to see the opportunities and constraints generated in a company. And what is displayed from the respondents in writing and also verbally and the resulting behavior. From the findings of applying the SWOT technique through internal and external factors, it shows that this is in the type of quadrant I, namely positive, namely conditions that generate profits because they have opportunities and abilities so that they can use the opportunities they have optimally. And using this method encourages regulation to grow and develop significantly. The analysis of constraints in financing in the micro sector using SWOT has been adjusted to bank laws and an Islamic perspective for implementation that does not contain various elements that are not permissible for Islamic banks. And to deal with threats, banks will carry out risk management for financing using rescheduling, reconditioning and restructuring efforts. Keywords: Financing, Inclusive Finance, UMKM, SWOT]]>
<![CDATA[Analisis Minat Masyarakat dan Pendapatan Masyarakat Terhadap Pegadaian Syariah: Indonesia ]]>
<![CDATA[Anisa Fitria Sinaga]]>;
<![CDATA[Atika Atayarisah Lubis]]>;
<![CDATA[Regita Amelia]]>;
<![CDATA[Fitry Ulinda Tinambunan]]>;
<![CDATA[Dewi Larasati Sinaga]]>;
<![CDATA[Veranita Sitio]]>;
<![CDATA[Sarah Lylia Saragi]]>
<![CDATA[ SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 5 No 02 (2023): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah ]]>
Publisher : <![CDATA[STEI Kanjeng Sepuh Gresik Jawa Timur ]]>
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DOI: 10.59636/saujana.v5i02.145
<![CDATA[People with low incomes may see sharia pawnshops as a way to obtain additional funds by using their assets as collateral. In this case, their interest in using sharia pawnshops is related to increasing their income. Considering the importance of understanding people's interest and income towards sharia pawnshops, a comprehensive and in-depth analysis is needed. This research aims to analyze what factors influence people's interest in sharia pawnshops, as well as the relationship between people's income and interest in sharia pawnshops. The method used in this research is a literature review, namely a systematic, clear and repeatable identification method. The data source for this research uses secondary data in the form of literature studies by analyzing various reading materials related to people's income, people's interests, and sharia pawnshops.]]>
<![CDATA[Stabilitas Bank Syariah dan Bank Konvensional di Indonesia: Comparative Analylis ]]>
<![CDATA[fellasufah diniyah]]>
<![CDATA[ SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 5 No 02 (2023): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah ]]>
Publisher : <![CDATA[STEI Kanjeng Sepuh Gresik Jawa Timur ]]>
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DOI: 10.59636/saujana.v5i02.146
<![CDATA[This research aims to measure the financial stability of Islamic and conventional banks and compare the results of financial stability between the two banks. In this research, financial stability will be measured using the Z-score. This study, it is also to determine the influence of credit risk (NPF/NPL), liquidity risk (FDR/LDR), efficiency ratio (BOPO) on the stability of sharia and conventional banking in Indonesia in the 2015-2019 period. This research uses panel data analysis. Sampling used a purposive sampling technique and 10 Islamic and conventional banks were obtained that met the criteria. The results of this research show that variabel credit risk (NPF), liquidity risk (FDR), efficiency ratio (BOPO) have a significant effect on the stability of Islamic and conventional banks. Partially, credit risk has a negative and significant effect on sharia banking, while on conventional banking it has a positive and significant effect. Liquidity risk in sharia banking has a positive and significant effect, whereas it has no effect in conventional banking. The efficiency ratio has no effect on sharia and conventional banking. Based on test results, conventional banking is more stable than sharia banking.]]>
