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Rojai Zhofir
Contact Email
rojaizho@gmail.com
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+6285709037738
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sembjournal@gmail.com
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Jl. Jaya Wijaya, Dusun Besar Kota Bengkulu
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Sharia Economic and Management Business Journal (SEMBJ)
Published by Yayasan Darussalam Bengkulu
ISSN : 27742679     EISSN : 27742679     DOI : https://doi.org/10.62159/sembj.vxxx
Core Subject : Religion, Economy, Science, Education, Agriculture,
Religion Agriculture, Biological Sciences & Forestry Computer Science & IT Economics, Econometrics & Finance Education Other
SEMB-J, sharia economic and management business journal is peer-reviewed journal published by Yayasan Darussalam Bengkulu. SEMB-J focus on the research of sharia economic and management business. The aim of this journal is to explore and develop economic management related to islamic and business. The focus of this journal is an effort to publish scientific works related to thoughts or studies in the field of sharia accounting and banking as well as actualizing and adding to the treasures of a better understanding of sharia accounting and banking through publishing articles and research reports. SEMB-J Journal of Sharia Economic and Management Business accepts original works which are the results of research, including: Accountancy; Sharia Accounting; Banking; Sharia Banking; Sharia Banking Information Systems; Sharia Banking Audit; Sharia Banking; Management; Sharia Banking Liquidity Management; Sharia Banking Ethics; Marketing Management of Sharia Banking; Finance; Sharia Finance; Cash Waqf;
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 5 Documents
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Search results for , issue "Vol. 3 No. 1 (2022): February" : 5 Documents clear
Manajemen Inovasi Pengawas dan Literasi Merdeka Belajar Minarni
Sharia Economic and Management Business Journal (SEMBJ) Vol. 3 No. 1 (2022): February
Publisher : Yayasan Darussalam Bengkulu

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Abstract

Manajemen inovasi pada era revolusi 4.0 adalah suatu hal yang mutlak, terutam dalam manajemen pendidikan, salah satu unsur penting dalam hal ini adalah pengawas. Peran pengawas bersama sekolah harus melihat pembelajaran sesuai kebutuhan siswa dan kemerdekaan untuk belajar. Education 4.0 adalah program yang mendukung implementasi smart education dengan meningkatkan dan menyeimbangkan kualitas pendidikan serta memperluas ketersediaan dan pentingnya teknologi dalam penyelenggaraan pendidikan yang mengedepankan kolaborasi, komunikasi, berpikir kritis dan kreatif kelas dunia. Dalam rangka peningkatan kualitas pegawai, Mendikbud memperkenalkan program pelatihan “Bebas belajar”, ​​yang merupakan arah pembelajaran ke depan. Metode penelitian adalah metode deskriptif kualitatif dimana bahan pustaka dikumpulkan, bahan penelitian dibaca dan disimpan serta diolah. Hasil kajian menyebutkan bahwa “Bebas Belajar” terdiri dari empat program utama, antara lain penilaian USBN komprehensif, mengganti ujian nasional dengan penilaian penilaian, RPP dipersingkat dan zona PPDB lebih fleksibel. Sehingga pengawas juta perlu melakukan inovvasi dan literasi pada sekolah dan kurikulum untuk melaksanakan program "Bebas belajar".
Harmonisasi Kehidupan Sosial dan Ekonomi dalam Plurarisme Agama B, Idwal; Sumanto, Edi
Sharia Economic and Management Business Journal (SEMBJ) Vol. 3 No. 1 (2022): February
Publisher : Yayasan Darussalam Bengkulu

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Abstract

Religious harmony is an important part of every society in Indonesia and if you ignore this issue, it will have fatal consequences for human survival. Humans must uphold the values of religious diversity in Indonesia, because by living in harmony it has maintained the good name of the nation and state. As a Muslim community, it must maintain an attitude towards adherents of other religions, and vice versa, non-Muslim adherents must maintain an attitude with Muslim adherents. So that inter-religious harmony will be created, by taking care of each other and helping each other for the continuity of worship, it is also necessary to know that the Indonesian state consists of various tribes, languages, customs, and religions, so that the Indonesian nation is a pluralistic society. In the community of Air Petai Village with these various religions living side by side, of course there are problems that occur, both small and large. This feeling of suspicion is caused by an unnatural, prejudiced view of other groups that has been ingrained. Suspicion is also caused by a feeling of determinism that only the views of one's own group are correct and other groups are basically bad, so there is no place for an attitude that animates tolerance.
Financial Performance Analysis Using Liquidity, Solvency and Efficiency Ratios at PT. Bank Syariah Indonesia Karlina, Honi; anggara, Zela
Sharia Economic and Management Business Journal (SEMBJ) Vol. 3 No. 1 (2022): February
Publisher : Yayasan Darussalam Bengkulu

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Abstract

To assess the financial well-being of Bank Muamalat Indonesia, this study will use liquidity, solvency, and efficiency metrics. The research methodology used in this study is descriptive quantitative. A review of the liquidity, solvency, and efficiency ratios will help you understand the material you find while browsing through libraries and research papers. From 2019 to 2021, the data shows that the bank has a poor liquidity ratio, as seen from the Quick Ratio indicator, although the cash and loan-to-deposit ratios are good. However, the asset-to-loan ratio appears to be in good shape, based on Bank Indonesia's decision. Based on the primary ratio indicators, the solvency ratio is in a poor position in 2019 and 2020, while in 2021 it is in very good condition. The secondary risk ratio indicators for 2019-2021, when it appears to be in perfect health, support this. Based on the capital ratio indicator, the 2019-2020 period is considered unhealthy, but healthy for the 2021 period based on Bank Indonesia guidelines. The interest cost ratio and leverage multiplier indicators show that the efficiency ratio is more than 1.5, which is good news.
Sharia Bank Product Marketing Strategy Through Social Media Aten, Nurul; Dwi Puspita Sari, Yuliana
Sharia Economic and Management Business Journal (SEMBJ) Vol. 3 No. 1 (2022): February
Publisher : Yayasan Darussalam Bengkulu

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Abstract

The purpose of writing this scientific work is to increase insight into thought patterns, attitudes and experiences as an effort to improve the quality of learning, namely by understanding the nature of a Sharia Bank Product Marketing Strategy that applies marketing components on social media. The research in this scientific work is motivated by the very rapid development of technology, especially internet technology, where its development can change a person's behavior or habits in deciding to buy something, so marketers need to adopt sharia bank marketing product strategies to increase sales on social media that utilize development of internet technology, namely social media. Hearing the word marketing is often associated by many parties with sales, sales promotion, advertising, promotions or products. In fact, people often equate the profession of marketer with sales. However, marketing is actually not as narrow as many people identify, because marketing is different from sales. Marketing is more "an art of selling products", so marketing is a sales process that starts from product design until the product is sold. This is different from sales which only revolves around the occurrence of sales transactions for goods or services. The results of this research can be concluded that Islamic banks have adopted various technologies and digital platforms that are tailored to customer needs to expand market reach to the public. The technology used is utilizing various mobile banking applications, internet banking, digital advertising, appropriate content marketing strategies and all existing social media.
Analysis of Student Interest in Using Sharia Bank Mobile Banking with Conventional Banks Pramita, Yuni; Cantika Sari, Mutiara
Sharia Economic and Management Business Journal (SEMBJ) Vol. 3 No. 1 (2022): February
Publisher : Yayasan Darussalam Bengkulu

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Abstract

. This research aims to determine the interest of UINFAS Bengkulu students in using mobile banking at Sharia banks and conventional banks. This research aims to increase students' interest in becoming users of its services. This research uses qualitative methods using interview data from students at UINFAS Bengkulu. From the results of this research, it can be concluded that the main factor in student interest is the accessibility of banking which is easy to reach.

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