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Rojai Zhofir
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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. 5 No. 1 (2024): February" : 5 Documents clear
Forms of Implementing Corporate Social Responsibility in Indonesian Sharia Banks Riznando, Reza; Yopi, Yopi; Agung Pranata, Gandi
Sharia Economic and Management Business Journal (SEMBJ) Vol. 5 No. 1 (2024): February
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v4i3.1186

Abstract

Corporate Social Responsibility or what is often referred to as Corporate Social Responsibility (CSR) is almost implemented by all companies, in this case, the Islamic Banking industry where the company is committed to quality development and community welfare. CSR can be implemented in the form of corporate social activities as stipulated in Law Number 40 of 2007 concerning the implementation of CSR/corporate social responsibility. This research has several objectives, one of which is to find out the forms of CSR (Corporate Social Responsibility) carried out by Islamic banks. In addition, this research also shows the areas that are the focus of the company in the CSR program.
Analysis of Differences in Consumer Perceptions of Service Quality from an Islamic Perspective (Study of Panorama Traditional Markets and Hypermart Modern Markets) Aprina, Nana; Isnaini, Desi; Muttaqin, Faisal
Sharia Economic and Management Business Journal (SEMBJ) Vol. 5 No. 1 (2024): February
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v5i1.1192

Abstract

The purpose of this research is to determine the differences in consumer perceptions of service quality, namely: the direct evidence dimension (tangibles), the reliability dimension, the responsiveness dimension, the assurance dimension, and the empathy dimension in the traditional market "Panorama ” and the Modern Market “Hypermart”. To test this, researchers used quantitative methods with primary data collection techniques in the form of questionnaires distributed to 200 respondents. The data analysis technique used is an independent sample t-test using the SPSS version 25 program. From the results of the research and discussion, it was found that differences in consumer perceptions of service are found in the dimension of attention (empathy) with a significance value (sig-2-tailed) of 0.003 for the empathy variable. at a significance level of 5% this value is significant because the significance is 0.003 > 0.05 and for the dimensions of tangibles, reliability, responsiveness, and assurance there is no difference in perception because the significance value is greater than 0.05. With this research, it is known that there are differences in perceptions in the empathy dimension and it is hoped that this can become a benchmark for improving service performance.
IB Hijrah KPR Financing Mechanism with Murabahah Akad at Bank Muamalat Mutiara Umi, Olga; Adetio Setiawan, Romi; Syaifudin, Syaifudin; Andika Eko Prasetiyo
Sharia Economic and Management Business Journal (SEMBJ) Vol. 5 No. 1 (2024): February
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v5i1.1201

Abstract

This research aims to comprehend the mechanism of financing for Islamic Home Ownership Credit (Kredit Pemilikan Rumah - KPR), particularly KPR IB Hijrah, and seeks solutions to address financing issues arising through the application of the murabahah contract at Bank Muamalat Bengkulu Kc S. Parman. The research method employed is field research with a qualitative descriptive approach. Data were gathered through observation, interviews, and documentation. The study concludes that the KPR IB Hijrah financing process involves stages such as application submission, fulfillment of requirements, scrutiny of document prerequisites, financing approval, and the execution of the murabahah contract. Customer responses to the financing mechanism indicate a clear understanding of requirements and administrative costs. To address emerging financing problems, the researcher recommends several solutions. Firstly, a direct approach to customers to provide a deeper understanding of the issues they face. Secondly, proactive and periodic debt collection efforts to prevent payment delinquencies. Additionally, issuing warning letters can serve as an initial step in resolving issues. In more complex cases, restructuring of financing is suggested as an alternative solution. Finally, if necessary, collateral execution can be implemented as a last resort in resolving problematic financing.
The Significance of the Development of the Salted Fish Industry for Community Economic Growth from an Islamic Economic Perspective (Study on Baai Island, Kampung Melayu, Bengkulu City) Novia Sari, Yuyun; Yustati, Herlina; B, Idwal
Sharia Economic and Management Business Journal (SEMBJ) Vol. 5 No. 1 (2024): February
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v5i1.1204

Abstract

This research was conducted on Baai Island, Malay Village, Bengkulu City. The purpose of this study was to determine the Significance of the Development of the Salted Fish Industry for the Growth of the Community Economy in the Perspective of Islamic Economics. This research is qualitative. Data collection methods through interviews with sellers, workers, and buyers of salted fish in the baai island area. Based on the formulation of the problem in this study, namely: How is the development of the Baai Island salted fish processing industry and how is the impact of the development of the Baai Island salted fish industry on the economy of the community in the perspective of Islamic Economics? The research findings show that the business development carried out is through 2 methods online and in person. The impact of the development of this industry itself is the increased income of the community, the welfare of the Baai Island community, and the fulfilled needs of life.
Application of the Mudharabah Agreement in the Profit Sharing System for Raising Cattle (Study in Penago II Village, Ilir Talo District, Seluma Regency) Nur Wahidah, Titi; Asnaini, Asnaini; Makmur, Makmur
Sharia Economic and Management Business Journal (SEMBJ) Vol. 5 No. 1 (2024): February
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v5i1.1207

Abstract

The purpose of this research is to find out how the application of the contract that has been running in Penago II Village, Ilir Talo Subdistrict, Seluma Regency and to find out the application of the mudharabah contract on the profit sharing of raising cattle in Penago II Village, Ilir Talo Subdistrict, Seluma Regency. This research uses a qualitative descriptive approach. Informants in the study were 8 people. Data collection techniques using observation, interviews, and documentation. Data analysis techniques use data reduction, data presentation and conclusion drawing. From the results of the research and discussion, it is concluded that the application of the contract that occurred in Penago II Village uses agreements and profit sharing, capital, profit sharing, risks and continuation of the contract if one of the parties dies, influencing factors, various types of cows that are in the field, and the time period. the agreement is only done verbally only trust each other in making this agreement, the profit sharing system in the mudharabah contract carried out between the owner and the manager in Penago II Village. With the division of the ratio divided 60:40. This occurs by agreement between the two parties. If in the process of this contract there is a loss, it will be borne by both parties, as long as the mistake is not due to the negligence of the manager. The profit sharing carried out by the people of Penago II Village is in accordance with the concept of mudharabah in Islamic Economics, namely, capital, management, collateral, time period and profit ratio to the manager. So that the profit sharing carried out by the people of Penago II Village is going well.

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