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Juni-Jurnal Pelita Nusa
Published by Sekolah Tinggi Agama Islam Pelita Nusa Bandung Barat
ISSN : 27977862     EISSN : 27977862     DOI : https://doi.org/10.61612/jpn.v1i1
Core Subject : Religion, Economy, Education, Social,
Religion Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences
Ekonomi Islam, Manajemen dan Bisnis Syariah (MBS), Lembaga Keuangan Syariah (LKS), Ekonomi dan Manajemen, Akuntansi. Hukum Islam Hukum Ekonomi Syari’ah (Mu’amalah), Hukum Keluarga Islam. Kepemimpinan di bidang Pendidikan, Manajemen Sekolah, Manajemen Pendidikan Tinggi, Manajemen Pesantren, Pengaturan dan Pengawasan di Bidang Pendidikan, Sistem Informasi Manajemen Pendidikan, dan Pendidikan Agama Islam.
Arjuna Subject : Ilmu Sosial - Ilmu Sosial (Lain-Lain)
Articles 100 Documents
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DAMPAK PEMBERIAN INSENTIF PEGAWAI TERHADAP KINERJA KEUANGAN DENGAN AKAD IJĀRAH DI BADAN KEUANGAN ASET DAERAH KOTA BANDUNG Ramdani, Dito; Nurnaningsih, Rita; Ma’mun, Saepul
Jurnal Pelita Nusa Vol 5 No 2 (2025): Desember-Jurnal Pelita Nusa
Publisher : Pelita Nusa Jurnal, published by the Institute for Research and Community Service (LP2M) of the Pelita Nusa Islamic Religious College West Bandung (STAI PENUS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61612/jpn.v5i2.167

Abstract

Incentives serve as an important managerial instrument in enhancing employee motivation, productivity, and performance, particularly in the public sector, which faces increasingly complex performance demands. This study aims to examine the effect of incentive provision on financial performance in the implementation of the Ijārah contract (leasing) at the Regional Financial and Asset Management Agency (BKAD) of Bandung City. The research employed a quantitative approach using a survey method, with data collected through questionnaires distributed to 106 respondents selected using purposive sampling. Data were analysed using descriptive statistics, Pearson correlation, and simple linear regression with the assistance of SPSS version 26. The results indicate that both incentive provision and financial performance fall within a very high category. The correlation coefficient of 0.640 demonstrates a strong relationship between the two variables. The coefficient of determination (R²) of 0.410 indicates that incentives explain 41% of financial performance, while the remaining 59% is influenced by other factors not examined in this study, including employee competence, leadership effectiveness, organizational commitment, service quality, institutional governance, as well as regulatory and work environment factors. Hypothesis testing confirms that incentives have a positive and significant effect on financial performance in the Ijārah contract at BKAD Bandung City. 
DETERMINASI KEPERCAYAAN MEREK TERHADAP KEPUTUSAN PEMILIHAN PRODUK GRIYA DI BANK SYARIAH INDONESIA KCP PADALARANG Fadhilah, Hasna; Tunggara, Imam; Saefuloh, Irfan
Jurnal Pelita Nusa Vol 5 No 2 (2025): Desember-Jurnal Pelita Nusa
Publisher : Pelita Nusa Jurnal, published by the Institute for Research and Community Service (LP2M) of the Pelita Nusa Islamic Religious College West Bandung (STAI PENUS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61612/jpn.v5i2.168

Abstract

Bank Syariah Indonesia (BSI) sebagai lembaga keuangan syariah yang berdiri sejak tahun 2021 perlu membangun kepercayaan merek yang kuat, khususnya pada produk pembiayaan Griya yang menunjukkan peningkatan jumlah pengguna di BSI KCP Padalarang. Penelitian ini bertujuan untuk menganalisis pengaruh kepercayaan merek terhadap keputusan nasabah dalam memilih produk pembiayaan Griya. Metode penelitian yang digunakan adalah kuantitatif dengan pendekatan deskriptif-inferensial. Populasi penelitian berjumlah 171 nasabah pengguna pembiayaan Griya, dengan sampel sebanyak 120 responden yang ditentukan melalui teknik simple random sampling. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan regresi linier sederhana, uji t, dan koefisien determinasi (R²). Hasil penelitian menunjukkan bahwa kepercayaan merek berpengaruh positif dan signifikan terhadap keputusan nasabah, dengan nilai t-hitung sebesar 12,413 lebih besar dari t-tabel 1,980 dan signifikansi 0,001 (< 0,05). Nilai R² sebesar 0,566 mengindikasikan bahwa kepercayaan merek berkontribusi sebesar 56,6% terhadap keputusan pemilihan produk, sedangkan 43,4% sisanya dipengaruhi oleh faktor lain, seperti kualitas layanan, kemudahan prosedur, literasi keuangan syariah, kesesuaian akad, dan kondisi finansial nasabah. Kesimpulan penelitian ini menegaskan bahwa semakin tinggi kepercayaan terhadap merek BSI, semakin kuat keputusan nasabah dalam memilih produk pembiayaan Griya sesuai prinsip syariah.
PENGARUH KUALITAS LAYANAN MOBILE BANKING BSI TERHADAP KEPUASAN NASABAH DI BANK SYARIAH INDONESIA KCP PADALARANG Robbiulsani, Muhammad; Tunggara, Imam; Saefuddin, Aep
Jurnal Pelita Nusa Vol 5 No 2 (2025): Desember-Jurnal Pelita Nusa
Publisher : Pelita Nusa Jurnal, published by the Institute for Research and Community Service (LP2M) of the Pelita Nusa Islamic Religious College West Bandung (STAI PENUS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61612/jpn.v5i2.169

Abstract

Transformasi digital di sektor perbankan mendorong pengembangan layanan berbasis teknologi, termasuk mobile banking, sebagai upaya peningkatan kualitas pelayanan. Bank Syariah Indonesia (BSI) merespons perkembangan tersebut melalui penerapan aplikasi BSI Mobile untuk meningkatkan efisiensi, kemudahan, dan kenyamanan transaksi nasabah. Di tengah persaingan perbankan digital yang semakin ketat, kualitas layanan menjadi faktor strategis dalam membentuk kepuasan nasabah. Penelitian ini bertujuan menganalisis pengaruh kualitas layanan mobile banking terhadap kepuasan nasabah BSI KCP Padalarang. Penelitian menggunakan pendekatan kuantitatif dengan metode deskriptif. Sampel penelitian terdiri atas 66 responden dari populasi 2.122 pengguna BSI Mobile yang dipilih melalui teknik simple random sampling. Data dikumpulkan menggunakan kuesioner dan dianalisis dengan regresi linier sederhana, uji t, dan koefisien determinasi (R²). Hasil penelitian menunjukkan bahwa kualitas layanan mobile banking berpengaruh positif dan signifikan terhadap kepuasan nasabah, ditunjukkan oleh nilai t-hitung sebesar 7,167 lebih besar dari t-tabel 1,669 serta nilai signifikansi 0,001 < 0,10. Nilai R² sebesar 0,445 mengindikasikan bahwa 44,5% variasi kepuasan nasabah dipengaruhi oleh kualitas layanan mobile banking. Temuan ini menegaskan pentingnya peningkatan kualitas layanan digital untuk memperkuat kepuasan nasabah dan daya saing perbankan syariah.
IMPLIKASI PROMOSI TERHADAP KEPUTUSAN PEMBELIAN RUMAH DI PERUMAHAN THE AWANI RESIDANCE BANDUNG BARAT Nani, Nani; Nurnaningsih, Rita; Tunggara, Imam
Jurnal Pelita Nusa Vol 5 No 2 (2025): Desember-Jurnal Pelita Nusa
Publisher : Pelita Nusa Jurnal, published by the Institute for Research and Community Service (LP2M) of the Pelita Nusa Islamic Religious College West Bandung (STAI PENUS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61612/jpn.v5i2.171

Abstract

Persaingan industri perumahan yang semakin ketat menuntut pengembang properti untuk menerapkan strategi pemasaran yang efektif, khususnya melalui promosi, guna memengaruhi keputusan pembelian konsumen. Penelitian ini bertujuan untuk menganalisis peran promosi terhadap keputusan pembelian rumah pada Perumahan The Awani Residence 3 Kabupaten Bandung Barat. Metode penelitian yang digunakan adalah kuantitatif dengan pendekatan deskriptif. Populasi penelitian mencakup seluruh konsumen yang membeli rumah pada periode 2022–2023, dengan jumlah sampel sebanyak 30 responden. Pengumpulan data dilakukan melalui kuesioner, kemudian dianalisis menggunakan uji normalitas, regresi linier sederhana, uji parsial (uji t), dan koefisien determinasi (R²) dengan bantuan SPSS versi 26. Hasil penelitian menunjukkan bahwa promosi berpengaruh signifikan terhadap keputusan pembelian, yang dibuktikan dengan nilai signifikansi 0,000 (< 0,05) dan nilai t hitung lebih besar dari t tabel (7,735 > 6,138). Nilai koefisien determinasi sebesar 0,574 menunjukkan bahwa promosi memberikan kontribusi sebesar 57% terhadap variasi keputusan pembelian, sedangkan 43% sisanya dipengaruhi oleh faktor lain di luar penelitian, seperti harga, lokasi, kualitas bangunan, dan kondisi ekonomi konsumen. Temuan ini menegaskan pentingnya promosi sebagai strategi pemasaran dalam meningkatkan keputusan pembelian rumah.
PENGARUH KUALITAS PELAYANAN TERHADAP KEPUASAN PELANGGAN DI GRAND SOVIA HOTEL BANDUNG Holisoh, Olis; Saefuddin, Aep
Jurnal Pelita Nusa Vol 5 No 2 (2025): Desember-Jurnal Pelita Nusa
Publisher : Pelita Nusa Jurnal, published by the Institute for Research and Community Service (LP2M) of the Pelita Nusa Islamic Religious College West Bandung (STAI PENUS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61612/jpn.v5i2.175

Abstract

Digital transformation has reshaped the way customers evaluate hotel services through online reviews and ratings, making service quality a critical factor in shaping customer satisfaction. Grand Sovia Hotel Bandung, a three-star hotel with a strategic location, faces challenges in meeting increasingly high guest expectations, as reflected in negative customer reviews. This study aims to analyse the effect of service quality on customer satisfaction at Grand Sovia Hotel Bandung and to determine the magnitude of this effect. A quantitative research approach was employed using accidental sampling with 100 respondents. Data were analysed using simple linear regression. The results indicate that service quality has a positive and significant effect on customer satisfaction, with a regression coefficient of 0.918 and a calculated t-value of 54.219 exceeding the critical t-value of 1.661 at a significance level of 0.000. The coefficient of determination (R²) of 0.968 indicates that 96.8% of the variation in customer satisfaction is explained by service quality, while the remaining proportion is influenced by factors beyond the scope of this study. These findings support SERVQUAL theory and confirm that tangibles, reliability, responsiveness, assurance, and empathy are the primary determinants of customer satisfaction.
PENGARUH LITERASI KEUANGAN SYARIAH TERHADAP TINGKAT PEMAHAMAN MASYARAKAT KECAMATAN CIKALONGWETAN DALAM BERTRANSAKSI DI BANK SYARIAH Yulianti, Lia; Maryati; Sutira, Andri
Jurnal Pelita Nusa Vol 5 No 2 (2025): Desember-Jurnal Pelita Nusa
Publisher : Pelita Nusa Jurnal, published by the Institute for Research and Community Service (LP2M) of the Pelita Nusa Islamic Religious College West Bandung (STAI PENUS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61612/jpn.v5i2.185

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan syariah terhadap pemahaman masyarakat dalam bertransaksi di bank syariah, dengan studi kasus pada masyarakat Kecamatan Cikalongwetan, Kabupaten Bandung Barat. Rendahnya tingkat literasi keuangan syariah masih menjadi tantangan dalam meningkatkan pemanfaatan layanan perbankan syariah di tingkat masyarakat. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui penyebaran kuesioner kepada 100 responden yang dipilih secara acak. Variabel independen adalah literasi keuangan syariah, sedangkan variabel dependen adalah pemahaman masyarakat dalam bertransaksi di bank syariah. Data dianalisis menggunakan uji validitas, reliabilitas, normalitas, serta analisis regresi linier sederhana dan uji t dengan bantuan perangkat lunak SPSS. Hasil penelitian menunjukkan bahwa literasi keuangan syariah berpengaruh positif dan signifikan terhadap pemahaman masyarakat dalam bertransaksi di bank syariah, dengan nilai koefisien determinasi sebesar 59,2%. Temuan ini mengindikasikan bahwa peningkatan literasi keuangan syariah berperan penting dalam meningkatkan pemahaman masyarakat terhadap prinsip, produk, dan layanan perbankan syariah.
STRATEGI PEMASARAN KREDIT USAHA RAKYAT (KUR) PT. PEGADAIAN UNIT PEMBANTU CABANG (UPC) RANCABALI Rahmalia, Mutia; Maryati; Ma’mun, Saepul
Jurnal Pelita Nusa Vol 5 No 2 (2025): Desember-Jurnal Pelita Nusa
Publisher : Pelita Nusa Jurnal, published by the Institute for Research and Community Service (LP2M) of the Pelita Nusa Islamic Religious College West Bandung (STAI PENUS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61612/jpn.v5i2.262

Abstract

This study aims to analyze the marketing strategy of Sharia People’s Business Credit (KUR Syariah) at PT. Pegadaian, Rancabali Auxiliary Branch Unit (UPC), and its impact on increasing customer income. KUR Syariah is a sharia-based financing facility provided to productive business actors to support business development. This research employed a descriptive qualitative method, with data collected through interviews, observations, and documentation. The findings indicate that the marketing strategies implemented include brochure distribution, direct selling or call calling, market outreach activities, direct visits to residents’ homes and MSMEs, and socialization of KUR Syariah products. The implementation of KUR Syariah has positively contributed to increasing customer income through easier access to financing, improved productivity and business expansion, strengthening the local economy, and enhancing sharia financial literacy. These positive impacts are reflected in changes in customers’ attitudes toward managing their businesses more diligently, responsibly, and sustainably. However, several obstacles were identified, including low public interest, perceptions of relatively strict requirements, comparisons with other financial institutions, limited immediate capital needs, and incomplete customer documentation.
DAMPAK LITERASI KEUANGAN SYARIAH TERHADAP KEPUTUSAN MENGGUNAKAN PRODUK KPR SYARIAH DI BANK MUAMALAT KCP PADALARANG Rahmawati, Yunita
Jurnal Pelita Nusa Vol 5 No 2 (2025): Desember-Jurnal Pelita Nusa
Publisher : Pelita Nusa Jurnal, published by the Institute for Research and Community Service (LP2M) of the Pelita Nusa Islamic Religious College West Bandung (STAI PENUS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61612/jpn.v5i2.263

Abstract

The demand for home ownership continues to increase in line with population growth and rising property prices. This condition has strengthened the role of housing finance, including Sharia Home Ownership Financing (KPR Syariah) offered by Islamic banking institutions. However, uneven levels of Sharia financial literacy remain one of the factors influencing consumers’ decisions to use such products. This study aims to analyse the effect of Sharia financial literacy on the decision to use Sharia KPR products at Bank Muamalat Padalarang Sub-Branch Office. A quantitative approach using a survey method was employed, involving 100 respondents who are Sharia KPR customers. Data were analysed using simple linear regression and t-test analysis. The results indicate that Sharia financial literacy has a positive and significant effect on the decision to use Sharia KPR, with a regression coefficient of 0.703 and a t-value of 10.759, which exceeds the critical t-value of 1.987. Sharia financial literacy accounts for 56% of the variation in customers’ decisions, while the remaining 44% is influenced by other factors outside the scope of this study. Furthermore, the level of Sharia financial literacy among respondents is classified as high, with an average score of 84.51%.
PENGARUH KUALITAS LAYANAN MOBILE BANKING TERHADAP KEPUASAN NASABAH BANK SYARIAH INDONESIA KCP AMIR MAHMUD KOTA CIMAHI Insani Dewi, Chara; Andri Sutira
Jurnal Pelita Nusa Vol 5 No 2 (2025): Desember-Jurnal Pelita Nusa
Publisher : Pelita Nusa Jurnal, published by the Institute for Research and Community Service (LP2M) of the Pelita Nusa Islamic Religious College West Bandung (STAI PENUS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61612/jpn.v5i2.264

Abstract

The development of digital banking services has encouraged Bank Syariah Indonesia (BSI) to continuously improve the quality of mobile banking services as a primary transaction channel for customers. This study aims to examine the effect of mobile banking service quality on customer satisfaction at Bank Syariah Indonesia KCP Cimahi Amir Mahmud. The research employed a quantitative approach with a descriptive method. Data were collected through questionnaires distributed to 95 customers who actively use BSI Mobile, selected using the Slovin formula from a total population of 2,215 customers. Data analysis techniques included validity and reliability tests, Pearson Product Moment correlation analysis, simple linear regression analysis, and coefficient of determination testing. The results indicate that the quality of mobile banking services is categorized as good, while customer satisfaction is classified as high. The findings reveal a positive and significant effect of mobile banking service quality on customer satisfaction, with a correlation coefficient of 0.791. The coefficient of determination shows that 62.5% of customer satisfaction is influenced by mobile banking service quality, while the remaining percentage is affected by other factors outside the scope of this study. These findings emphasize the importance of improving digital service quality to enhance customer satisfaction and maintain customer loyalty in Islamic banking institutions.
TIPOLOGI DAN DINAMIKA PONDOK PESANTREN DALAM TRANSFORMASI PENDIDIKAN ISLAM DI INDONESIA Badriya Hisniati, Sally; Irvan Destian; Aceng Badruzzaman; Nova Sariwati; Hasan Basri
Jurnal Pelita Nusa Vol 5 No 2 (2025): Desember-Jurnal Pelita Nusa
Publisher : Pelita Nusa Jurnal, published by the Institute for Research and Community Service (LP2M) of the Pelita Nusa Islamic Religious College West Bandung (STAI PENUS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61612/jpn.v5i2.281

Abstract

This article aims to explain in detail the typology of pesantren, where there are concepts of salafiah pesantren and khalafiah pesantren. Salafiyah pesantren is a pesantren where someone seeks knowledge, by implementing education that is guided by classical books or commonly known as yellow books. Khalafiyah pesantren or commonly known as modern pesantren is the result of the development of salafiyah pesantren, where education in this modern pesantren in addition to teaching religious knowledge is also taught general knowledge, with the aim of producing a generation that has skills in accordance with the times that exist today. The research method involved a literature review and analysis of current data related to the use of social media and its impact. The results of the study show that the Pesantren is transformative-active for its progress and is no longer a backward institution, the challenges of the times require the Pesantren to assimilate with the new culture. Now many Islamic boarding schools are experiencing changes both in terms of curriculum, teaching and leadership patterns.

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