cover
Contact Name
Rojai Zhofir
Contact Email
rojaizho@gmail.com
Phone
+6285709037738
Journal Mail Official
sembjournal@gmail.com
Editorial Address
Jl. Jaya Wijaya, Dusun Besar Kota Bengkulu
Location
Kota bengkulu,
Bengkulu
INDONESIA
Sharia Economic and Management Business Journal (SEMBJ)
ISSN : 27742679     EISSN : 27742679     DOI : https://doi.org/10.62159/sembj.vxxx
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;
Articles 75 Documents
Sharia Banking Accounting: A Study of Posting Theory on the Sharia Banking Balance Sheet Anwar, Robi; Meliana, Sherin
Sharia Economic and Management Business Journal (SEMBJ) Vol. 4 No. 1 (2023): February
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v4i1.1184

Abstract

Islamic bank accounting is a financial calculation process starting from collecting funds to channeling funds. Every collection of funds carried out by Islamic banks has accounts that are different from conventional banks, such as the collection of financial accounting reports at Islamic banks (balance sheet). The method used is library research, namely collecting data or scientific papers related to the object of research or collecting data that is literature.
Development of Human Capital Indicators to Improve Employee Performance Apriyani Daulay, Rizka; Anggi Restu, Dimas; Mohammad Hamidul Haqque
Sharia Economic and Management Business Journal (SEMBJ) Vol. 4 No. 1 (2023): February
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v4i1.1185

Abstract

This article provides a review of various theories, models, and methods used to measure, develop, and utilize human capital. The review evaluates and compares different approaches, theories, and methodologies used in human capital research. The authors aim to identify trends and areas of research that require further exploration. The article also discusses the difference between human capital and human resources and various methods used to measure human capital. The research methodology used in the study involved a three-way approach, including field research, literature review, and open-ended questionnaires. The article discusses the importance of developing and measuring human capital indicators for organizations to improve their effectiveness and productivity. It highlights three stages of research to identify key human capital indicators, including employee competence, job accountability, professional experience, employee commitment, teamwork, skills, creativity, professional knowledge, organizational tenure, and education level. The article also emphasizes the importance of managing and measuring human capital sustainably to improve organizational effectiveness. The study concludes that education and health play a vital role in developing human capital and contributing to regional economic growth.
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.
The Effect of Corporate Social Responsibility (CSR) on the Profitability of Bank Muamalat Indonesia Period 2013-2016 Khumairoh, Diah; Anugrah Mahesa, Khodijah; Darti, Miya
Sharia Economic and Management Business Journal (SEMBJ) Vol. 4 No. 2 (2023): June
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v4i2.1187

Abstract

The purpose of this study was to determine the effect and how much influence the Corporate Social Responsibility (CSR) program has on Profitability. Where profitability is proxied into Return on Asset (ROA) and Return on Equity (ROE) in the annual report of Bank Muamalat Indonesia publication in 2013-2016. Researchers used a quantitative approach with simple regression data analysis techniques using the SPSS version 16 program. The results showed that Corporate Social Responsibility (CSR) had a significant effect on Return on Asset (ROA) with a sig value. (0.030) <0.05 and the coefficient of determination is 22.1%. Corporate Social Responsibility (CSR) has no significant effect on Return on Equity (ROE) with a sig value. (0.654) > 0.05 and the coefficient of determination is 12.0%.
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

Show Abstract | Download Original | Original Source | Check in Google Scholar

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.
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.
The Role of Financial Literacy for Students Personal Finances Efendi, MS; Ary yanti, Pandary; Hennarti Daulay, Tri; Yustati, Herlina
Sharia Economic and Management Business Journal (SEMBJ) Vol. 5 No. 3 (2024): October
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v5i1.1194

Abstract

SNLIK results show that in 2022 the financial literacy index of the country's population will be 49.68 percent, an increase compared to 2019 which was at 38.03 percent. Meanwhile, the financial participation index this year reached 85.10 percent, an increase compared to the financial participation index in the same period in 2019 which reached 76.19 percent. This implies that the literacy and inclusion gap is getting smaller from 38.16 percent in 2019 and 35.42 percent in 2022. This can happen if each student has a different way of thinking and opinions regarding finance, one of which is in responding to existing financial reports. Apart from that, there is no difference in financial management actions if seen from the average responses of respondents who have good and bad attitudes. Therefore, based on differences in previous research results, this study uses financial attitudes as an independent variable.
Mahasantri's Interest in Investing Gold Tubes at Sharia Pawnshops Ainurrahmi, Winda; Citra Wardani, Anggun; Jaka Prima, Arief; Yustati, Herlina
Sharia Economic and Management Business Journal (SEMBJ) Vol. 5 No. 2 (2024): June
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v4i2.1196

Abstract

College students are a millennial generation with a high level of religiosity. As a millennial generation, they should have the intelligence to manage their finances and life management. One way that can be done is by investing. An investment that is easily made by Mahasantri is a gold tube investment. Where the price is affordable for student pockets and has less risk because the price of gold will continue to rise in the future. This research is field research with a qualitative approach. The type of this research is descriptive, with a population of Ma'had Al-Jami'ah UIN FAS Bengkulu students and a sample of 10 randomly selected students. The results of this study indicate that the mahasantri's interest in investing in gold tubes in Islamic pawnshops is influenced by several factors, namely knowledge, perceived convenience, and risk.
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

Show Abstract | Download Original | Original Source | Check in Google Scholar

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 Interest of UIN Fatmawati Sukarno Bengkulu Students in Investing in Sharia Capital Market Elva Riani, Deni; Rampasi, Inna; Muhammad Faridz R., Teuku; Madhav Karki
Sharia Economic and Management Business Journal (SEMBJ) Vol. 5 No. 3 (2024): October
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v5i1.1198

Abstract

The emergence of Islamic capital markets is key to reducing the risk of uncertainty in conventional capital markets and also reducing financial scandals in international capital markets. The following is the cause of students' reluctance to invest in the capital market as from the results of the minimal capital research does not have a negative and insignificant effect on student interest. In this study using a qualitative approach with the type of obeservation research. The population of this study were students of UIN Fatmawati Sukarno Bengkulu with a sample of 10 students. The results of this study indicate that UINFAS students' interest in investing in the Islamic capital market is influenced by several factors, namely knowledge, income level, motivation and risk. This study is limited to the use of decision-making variables that influence interest in investing in the capital market.