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Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Published by Sekolah Tinggi Agama Islam Yayasan Pendidikan Ilmu Qur'an Baubau
ISSN : 2988148X     EISSN : 2988134X     DOI : 10.59059
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
semua aspek penelitian, masalah, dan perkembangan terbaru di bidang Ilmu Manajemen dan Ekonomi Syariah. Jurnal ini berkaitan dengan aspek apapun dari manajemen, tidak terbatas pada topik berikut : berbagai perspektif ekonomi Islam, keuangan publik Islam, keuangan Islam, akuntansi Islam, etika bisnis Islam, perbankan Islam, asuransi Islam, pemikiran ekonomi Islam, manajemen sumber daya manusia Islam, keuangan mikro Islam, ekonomi pembangunan Islam, Ekonomi moneter Islam, ekonomi fiskal Islam, pasar modal Islam, dan tema lain yang relevan.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 181 Documents
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Analisis Perilaku Nasabah Nonmuslim Dalam Memilih Produk Pembiayaan Murabahah Di Bank Syariah Indonesia KC. Jelutung Jambi Hansen Rusliani; Putri Lestari; Nurrahma Sari Putri
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 1 No. 4 (2023): November : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v1i4.427

Abstract

This study aims to find out how to analyze the behavior of non-Muslim customers in choosing murabaha financing products, how to analyze the decision process of non-Muslim customers, and how cultural, social, personality and psychological factors can influence customer decisions in choosing murabaha financing products at Bank Syariah Indonesia KC. Jelutung Jambi. The method of this research is using descriptive qualitative method with primary and secondary data types. Data collection techniques in this study were observation, interviews and documentation techniques, while for data analysis the researchers used data reduction analysis, data presentation and verification. The theory used in this research is the theory put forward by Kotler & Ketler that consumer behavior is the science of how individuals, groups and organizations choose, buy and use and obtain goods, services, ideas or experiences to satisfy their wants and needs. . According to Kotlert's theory, consumer behavior is divided into four types, namely cultural, social, personality and psychological factors. In the customer decision process is divided into five steps, namely decision making, namely, recognition of needs, information search, evaluation of alternatives, buying decisions, and post-purchase evaluation. The results of the study explain that the behavior analysis of non-Muslim customers in choosing murabaha financing at Bank Syariah Indonesia KC. In Jelutung Jambi, there were three informants, namely the first informant who worked as a teacher because he was interested because of the salary slip through the bank, and chose gold installment financing because the bank could insure the gold installments, low interest rates, and cheap rates compared to pawn shops. The second informant is taking home installments because the interest rates are low compared to other banks and if you are late paying the installments you are not subject to a fine/sanction of 0.5% to 1% of the amount of the installments that the customer has to pay. The third informant is working as a teacher as well and taking education expenses for their children because the process is fast and the interest rate is low at 3.3%, while at commercial banks it is 8.93%. The fourth informant took gold installments because of the low interest rates. The fifth informant took motorbike installments because the interest rate was lower than leasing, which was 8%. From the several informants above, it can be concluded that cultural, social, personality and psychological factors can influence customer decisions in choosing murabaha financing products at Bank Syariah Indonesia KC. In Jelutung Jambi.
Pengaruh Kualitas Produk, Kualitas Pelayanan Dan Variasi Menu Terhadap Kepuasan Konsumen Di Warung UMKM Minas Syukur Kambang Waifa Nuraprilia; Sissah Sissah; Marissa Putriana
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 1 No. 4 (2023): November : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v1i4.428

Abstract

Micro, Small and Medium Enterprises (MSMEs) are productive businesses owned by individuals or business entities that meet the criteria for being a micro enterprise. In doing business, the goods sold must have consistency and quality that is in accordance with what is advertised. Assuming that his character is good, buyers will make repeat purchases more often at Minas Syukur Kambang. The quality of the products at Minas Syukur Kambang is good but the quality of service is still lacking because there are still many miscommunications. The menu variations are also good with various variations with different flavors, but sales results fluctuate even though if all the product indicators had been implemented, it could have encouraged consumer interest in buying the product, thereby increasing sales results. The research aims to determine the influence of product quality, service quality, menu variations on consumer satisfaction in the Minas Syukur Kambang UMKM. The research method uses a quantitative descriptive sample taken as many as 95 respondents using a simple random sampling technique, namely a random sampling technique, namely a sampling technique where all individuals in the population, either individually or together, are given the same opportunity to be selected as sample members. The results of this research state that product quality has a positive effect and service quality does not have a positive effect on consumer satisfaction. Meanwhile, menu variations have a positive effect on consumer satisfaction. Based on data analysis in this research, these variables are valid and reliable. In testing the classical assumptions, this research has a normal distribution, heteroscedasticity and multicollinearity do not occur.
Pengoptimalan Hasil Penjualan Kue Dengan Menggunakan Metode Simpleks Damaris Lalang; Jeni Marianti Loban; Narita Yuri Adrianigsih; Junindasari Djenlau
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 1 No. 3 (2023): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v1i3.431

Abstract

This research aims to maximize profits from selling cakes and find out the optimal number of each type of cake to be produced according to the limits available to Mrs. Farida Bako. The data collection technique was carried out by direct interviews with the respondent, namely Mrs. Farida Bako. The data analysis technique used is the simplex method in order to produce maximum profits by knowing the number of cake types produced. The research results show that maximizing and knowing the number of production results can maximize profits of IDR. 1,153,000    
Analisis Manajemen Produksi Dalam Mempertahankan Loyalitas Pelanggan Menurut Perspektif Ekonomi Islam: Studi Pada Usaha Kuliner Lindekss Sopto Di Kelurahan Talang Bakung Kecamatan Pall Merah Kota Jambi Satlina Novrita Ep; Faturahman Faturahman; Beid Fitrianova Andriani
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 1 No. 4 (2023): November : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v1i4.432

Abstract

This study aims to determine production management in maintaining customer loyalty and what obstacles are faced in the sopto talang bakung index food stall business. The type of research method used is qualitative research with the object of research at the sopto index food stall. In the process of collecting data in this study using observation, interview and documentation techniques. The results of this study show that production management applied by owners of sopto index food stalls such as production planning, organizing, mobilizing and controlling production in maintaining customer loyalty is done well and in accordance with the Islamic economic perspective and the constraints faced by sopto index food stalls are inflation of raw material prices, places and production equipment used are still traditional and when they want to develop new products.
Analisis Etos Kerja Pedagang Ikan Muslim Dalam Meningkatkan Kesejahteraan Keluarga Di Pasar Pulau Temiang Tebo Rian Ivandri Hidayatullah; Ambok Pangiuk; Awal Habibah
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 1 No. 4 (2023): November : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v1i4.442

Abstract

Work ethic is the totality of an individual's personality in the context of work. Working is a form of self-dedication as a servant of Allah by obeying all His commands and avoiding all prohibitions. For this reason, Allah has provided facilities in the form of surface resources for human use in achieving their well-being. A strong work ethic can fulfill economic needs and desires within the family. Islam encourages its followers to work diligently and not to be lazy, as laziness can lead to poverty. The formation of a work ethic (including Islamic work ethic) is a complex process, involving various factors such as physical, biological, mental-psychological, socio-cultural, and possibly transcendental spiritual conditions and preconditions. This research adopts a qualitative approach and was conducted at the Padang Lamo Street Market, Pulau Temiang, Tebo Ulu District, Tebo Regency, in January 2023. The respondents in this study consisted of 27 individuals, including fish traders, consumers, and religious scholars. The findings of the research on fish traders in the Pulau Temiang Subdistrict Market, Tebo Regency, indicate that fish traders possess crucial work skills, exhibit diverse motivations such as earning a livelihood and pursuing hobbies, their work ethic is driven by the desire to meet their family's needs, and their economic conditions impact their well-being. Challenges include limited education, environmental conditions, and limited alternative job opportunities.
Pengaruh Harga Jual Dan Kualitas Makanan Terhadap Kepuasan Pelanggan Pada Rumah Makan Pondok NQ (Nurul Qomar) Seafood Kota Palembang Muhamad Ridho; Hilda Hilda; Iceu Sri Gustiana
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 1 No. 4 (2023): November : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v1i4.456

Abstract

Eating and drinking are the most basic needs of all living creatures, including humans. because eating and drinking is one of the primary needs or basic needs that must be met every day and is a top priority that must be fulfilled by every human being. Therefore, many entrepreneurs have established restaurants, one of which is the Nurul Qomar Islamic Boarding School which has established a seafood culinary restaurant called Pondok NQ Seafood Restaurant. The aim of this research is to find out how the selling price and food quality influence customer satisfaction at the Pondok Seafood NQ (Nurul Qomar) Restaurant, Palembang City. This type of research uses quantitative methods. The population in this study were consumers of Pondok NQ Seafood restaurants, which according to data numbered 11,000. Sampling was taken using the Slovin technique as many as 100 respondents. This research uses primary data and secondary data, as well as distributing questionnaires with a Likert scale. Based on the research results, the selling price influences customer satisfaction. Food quality influences customer satisfaction. And the selling price and food quality simultaneously have a significant effect on customer satisfaction at the Pondok NQ Seafood restaurant in the city of Palembang.
Pengaruh Dana Pihak Ketiga Dan Manajemen Risiko Terhadap Kinerja Keuangan Bank Pembiayaan Rakyat Syariah Di Indonesia Nuraeni Nuraeni; Lita Murdiana; Khoirul Huda
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 1 No. 4 (2023): November : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v1i4.457

Abstract

Banking, which acts as a financial middleman, is crucial to a country's economy. One definition of a bank is an entity whose primary business is to accept deposits from the general public and then make loans, savings accounts, and other financial products and services available to residents of the community in order to raise everyone's quality of living. People's credit banks (BPR) in Indonesia are financial institutions that conduct their operations in accordance with traditional banking practices and/or sharia law. This research set out to quantify the impact of external funding and risk management on the bottom lines of Indonesia's islamic rural banks. From the total sample size of 164 businesses, 46 were selected at random as representative of the banking sector. The Statistical Package for the Social Sciences (SPSS 29) was used for all statistical analyses and data processing. Findings from the study include: (1) the insignificant impact of third-party funds on BPRS performance; (2) the insignificant negative impact of non-performing financing on BPRS performance; (3) the insignificant impact of the financing-to-deposit ratio on BPRS performance; and (4) the significant negative impact of operational costs on BPRS performance.
Pengaruh Daya Tarik Wisata, City Branding Dan Service Quality Terhadap Keputusan Berkunjung Wisatawan Di Objek Wisata Putuk Truno Kabupaten Pasuruan Laili Hidayatul Isfillah; Miftahul Huda
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 1 No. 4 (2023): November : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v1i4.458

Abstract

Putuktruno Waterfall, which actually exists, has been managed to become a tourist attraction for a long time. The tourist attraction of Putuk Truno Pasuruan Waterfall is a tourist destination that must be visited because of its extraordinary beauty. city branding, Putuk Truno Waterfall are some of the qualities that can enhance the city's image and attract tourists. This study aims to determine: The effect of tourist attraction, city branding and service quality on the decision to visit tourists in Pasuruan Regency. This type of research is explanatory research. The population in this study were tourists at the Putuk Truno Waterfall, Pasuruan Regency, who had visited at least once. The research sample used 115 respondents and the sampling technique used purposive sampling with the respondent's criteria and the sampling technique used purposive sampling with the respondent's criteria. The data collection technique uses a questionnaire that has been tested for validity and reliability. The data analysis technique used is multiple regression. The results showed that the influence of tourist attraction has a significant effect on visiting decisions, city branding has a positive and significant effect on visiting decisions, service quality has a positive but not significant effect on visiting decisions. Tourist attractiveness, city branding and service quality have a positive and significant effect on the decision to visit tourists.
Pengaruh Tingkat Pendidikan, Upah Minimum Dan Pengangguran Terbuka Terhadap Tingkat Kemiskinan Di Kabupaten Sarolangun Muhammad Farhan; Bambang Kurniawan; Ferri Saputra Tanjung
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 1 No. 4 (2023): November : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v1i4.461

Abstract

Poverty occurs when a person or group is unable to achieve a level of economic prosperity that is considered the minimum requirement for a certain standard of living. Poverty is born with the limitations of certain people in meeting their needs. The author identifies the problems of this study as follows: Education affects the poverty rate in Sarolangun Regency, Minimum Wage affects the poverty rate in Sarolangun Regency, and open unemployment affects the poverty rate in Sarolangun Regency. Sample determination in quantitative research The total population is 298,091 people, the population is obtained from the total population data of Sarolangun Regency in 2022 Sarolangun Regency. The number used was obtained as a result of calculations with the Yamane formula totaling 100 respondents. The results of the study are (1) education has a positive effect on poverty, (2) minimum wage has a positive effect on poverty (3) open unemployment rate has a positive effect on poverty.
Pelaksanaan Zakat Penangkaran Sarang Burung Walet Di Desa Srimulyo Kecamatan Tungkal Jaya Kabupaten Musi Banyuasin Provinsi Sumatera Selatan Linta Kristiana; Arsa Arsa; Ahmad Syukron Prasaja
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 1 No. 4 (2023): November : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v1i4.474

Abstract

The background of this research is the implementation of zakat on the breeding of swallow's nests in the village of Srimulyo, Tungkal Jaya District, Musi Banyuasin Regency, South Sumatra Province, whose practices are not yet in accordance with Islamic regulations. This type of research is field research using descriptive qualitative methods. This research was conducted in Srimulyo Village, Tungkal Jaya District, Musi Banyuasin Regency, South Sumatra Province, using a normative and sociological approach, using primary and secondary data sources. Data collection techniques are observation, interviews, and documentation. Data analysis techniques are data collection, data reduction, data presentation, then drawing conclusions.The results of the study show that the implementation of zakat on the breeding of swallow's nests in Srimulyo Village, Tungkal Jaya District, Musi Banyuasin Regency, South Sumatra Province has quite a large potential for zakat. However, this was not implemented because it had various obstacles in its implementation, such as: swallow nest breeders did not pay zakat because they lacked literacy about swallow nest zakat, there was no amil zakat institution that socialized it to the village, some of them paid zakat with a rate of 2, 5% follows the zakat property which is paid once a year. Even though the rate they should spend on the results of breeding swallow's nests is 5% each time a sale is made of total net income. On the other hand, it turns out that there are still many breeders who are reluctant to pay zakat, there are also those who do not recommend giving zakat at all.

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