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Cross-Border Journal of Business Management
Published by Institut Agama Islam Sultan Muhammad Syafiuddin Sambas
ISSN : 2775538X     EISSN : 28291344     DOI : https://doi.org/10.37567/
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Cross-Border Journal of Business Management Focuses in any related disciplines of research on Business Management science. The scopes are Human Resource Management, Marketing Management, Financial Management, Production/Operational Management, Strategic Management, Islamic Business Management, Halal Industry Management, Hajj and Umro Management, Zakat and Waqf/ Islamic Philanthropy Management, Tourism Management, Banking Management, Industrial Management, Agribusiness Management, Business Administration.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 70 Documents
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STRATEGI PEMASARAN PRODUK TABUNGAN HIJRAH HAJI PADA BANK MUAMALAT INDONESIA KANTOR CABANG KOTA PONTIANAK Azhara, Maulidia Dara
Cross-Border Journal of Business Management Vol. 4 No. 1 (2024): Cross-Border Journal of Business Management
Publisher : Institut Agama Islam Sultan Muhammaad Syafiuddin Sambas

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Abstract

This research utilizes a qualitative approach with a descriptive character. The type of research used by the researcher is Field Research. The data used consist of primary data obtained directly in the field in the form of information from related parties, while secondary data is obtained from books and the internet. Data collection techniques include observation, interviews, and documentation. The findings of this research indicate that the strategy employed by BMI is marketing mix or 4P. Product-wise, it involves introducing the Tabungan Hijrah Haji product to the public through religious lectures, socialization in schools, offices, and companies. Price-wise, the Bank Muamalat Indonesia Branch Office in Pontianak offers a reasonably affordable price with a minimum initial deposit of Rp. 100,000,- and subsequent deposits of at least Rp. 50,000,-. This savings account has no administrative fees, minimum balance requirements, and is purely entrusted. In terms of Place, the Bank Muamalat Indonesia Branch Office in Pontianak is strategically located in the city center and close to markets, schools, hospitals, offices, and other facilities. Promotion-wise, it includes advertising on websites and social media, personal selling, publicity through sponsors and donors, direct marketing, and promotional draws. Supporting factors include the length of the waiting list, as the longer the wait for Hajj registration, the more it encourages Muslims to plan their pilgrimage early by opening a Tabungan Hijrah Haji account, as well as the high Muslim population in Pontianak City. On the other hand, inhibiting factors include competition from both Sharia and conventional banks, lack of human resources for operations, and the COVID-19 pandemic in Indonesia.
ANALISIS INVESTASI PADA TABUNGAN EMAS DI PEGADAIAN SYARIAH KOTA SINGKAWANG Tania, Iwit; Radimin
Cross-Border Journal of Business Management Vol. 4 No. 1 (2024): Cross-Border Journal of Business Management
Publisher : Institut Agama Islam Sultan Muhammaad Syafiuddin Sambas

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Abstract

This research is a type of field by using adescriptive gualiitative approach, namely research by conducting observations, interviews, and documentation to obtain data and then the data is analysed using technigues. The results of this study show that the analysis of investment in gold savings at the singkawang city pawnshop is very helpful for the community in the economy because the selling value of gold persists and every year it must rise and the selling value of gold remains even though we are in an are that can said to be far from urban areas in pegadaian syariah singkawang city by promoting savings gold has been running shoothly through brochures, banners and social media can reach a wider community. The savings investment pawnshop does not stipulate the amount of gold invested by the customer, is only reguired to meet a minimum blance of 0.1 grams at the time of opening the next account opening, the nature of which is easy to disburse is an advantage for each customer, can also make transactions through digital pawnshop applications, making tranactions easier. The sharia pawnshop has provided easy requirements, only with the requirements of an ID card, in a fairly good service, then a safety guarantee in the form of insurance. Inhibiting and supporting factors in investing in gold savings, the public’s ability to buy is still low, while the supporting factors for customers to invest with gold prices tend to rise quickly and are easy to liquidate.
PENGARUH PEMBIAYAAN BERMASALAH DAN EFISIENSI OPERASIONAL TERHADAP PROFITABILITAS UNIT PENGELOLA KEGIATAN KECAMATAN SEJANGKUNG PERIODE 2018-2022 azura, azura
Cross-Border Journal of Business Management Vol. 4 No. 1 (2024): Cross-Border Journal of Business Management
Publisher : Institut Agama Islam Sultan Muhammaad Syafiuddin Sambas

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Abstract

This research was motivated by the gap between theory and practice, this happened in 2020 where the NPF ratio increased by 59.9% from the previous year of 23.94%. This also led to an increase in ROA of 5.92% from the previous year of 4.63%, supposedly if NPF increases then ROA will decrease. This is supported by a theory that explains that the higher the problematic financing, the lower the level of profitability of financial institutions. This research uses quantitative methods, the data used is secondary data, namely monthly financial statements for the 2018-2022 period obtained from the financial statement book of the Sejangkung Subdistrict Activities Management Unit. The data analysis method used is multiple linear regression analysis using classical assumption tests first, for data processing researchers use SPSS statistical test tool version 23. The hypothesis tests carried out are the coefficient of determination test, F test, t test and dominant test. The results of the study based on SPSS output show that problematic financing variables have a positive and insignificant effect on profitability and operational efficiency variables have a negative and significant effect on profitability. Meanwhile, simultaneously the variables of problematic financing and operational efficiency have a significant effect on profitability. The R Square obtained in this study amounted to 21.4% and the rest was influenced by other factors.
SD Peran Zakat Dalam Perekonomian Indonesia: Studi Teoritik Dan Empirik Deti, Sri
Cross-Border Journal of Business Management Vol. 4 No. 2 (2024): Cross-Border Journal of Business Management
Publisher : Institut Agama Islam Sultan Muhammaad Syafiuddin Sambas

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Abstract

Theoretically and empirically it has been proven that zakat has a big role in an economy, where zakat can encourage property owners to be creative in managing their assets, encourage good and correct business, encourage accelerated distribution of income, encourage the growth and development of the real sector, encourage the acceleration of national development, is the main source of state cash, and foster a high work ethic. However, its implementation still has many obstacles, including public awareness of zakat, which still needs to be increased. Apart from that, there is also a need for socialization and education on zakat, strengthening qualified amil or zakat collection workers, maximizing the control and reporting system for national zakat management, and implementing the National Zakat Information System (SIZN) to create professional zakat managers.
ANALISIS PENGARUH PRODUK HALAL TERHADAP LOYALITAS PELANGGAN DI INDUSTRI MAKANAN Mitra Cahya Jaweda, Priya; Darmawan, Donny
Cross-Border Journal of Business Management Vol. 4 No. 2 (2024): Cross-Border Journal of Business Management
Publisher : Institut Agama Islam Sultan Muhammaad Syafiuddin Sambas

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Abstract

This paper discusses the analysis of the influence of halal products on customer loyalty in the food industry. Halal products are becoming a major concern in the food industry, especially with increasing consumer demand for products that comply with halal principles. This research aims to analyze the extent to which the presence of halal products influences customer loyalty. The research method used is a survey by distributing questionnaires to respondents who are consumers of halal food products. Data analysis was carried out using relevant statistical techniques. It is hoped that the research results will provide insight into the importance of halal products in building and maintaining customer loyalty in the food industry
PENGELOLAAN OBJEK WISATA PANTAI DALAM MENINGKATKAN KESEJAHTERAAN PELAKU USAHA PERSPEKTIF EKONOMI ISLAM DI DESA MATANG DANAU KECAMATAN PALOH KABUPATEN SAMBAS Syafika, Anggi; Ananda, Iva Ashari; Gustina
Cross-Border Journal of Business Management Vol. 5 No. 1 (2025): Cross-Border Journal of Business Management
Publisher : Institut Agama Islam Sultan Muhammaad Syafiuddin Sambas

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The purpose of this study is to find out how the management manages coastal tourist attractions and with the management of these tourist attractions, it can improve the economy of the surrounding community, especially business actors around the beach. This study uses the theory of management and welfare, this study uses a qualitative approach that is descriptive. The results of this study indicate that the management of the Matang Danau Beach tourist attraction in Matang Danau Village, Paloh District, Sambas Regency can be said to be still not optimal because of the lack of facilities around the beach, for example there are still no prayer rooms and public toilets, but with the management of the Matang Danau beach, it can also increase the level of welfare for the surrounding community, and with the management of the beach, it can reduce coastal abrasion due to the construction of a concrete embankment to prevent seawater abrasion and also more adequate road facilities with paved roads, and the construction of the Matang Danau Beach name icon, a gazebo for visitors to take shelter. With the Management of the Matang Danau Beach tourist attraction, it has a positive impact on improving the welfare of business actors around the beach in Matang Danau Village, as evidenced by the increase in income obtained, which initially only utilized the results of farming and fishing, now there is additional income from the business being run. In terms of education and health, there has also been an increase in which the facilities are more adequate and security has been regulated by members of the tourist attraction management and there is great public awareness.
STRATEGI BADAN AMIL ZAKAT NASIONAL (BAZNAS) DALAM MENYALURKAN DANA ZAKAT, INFAK, SEDEKAH (ZIS) DI BIDANG PENDIDIKAN KECAMATAN SAMBAS KABUPATEN SAMBAS EVA; Neli; Sulastri
Cross-Border Journal of Business Management Vol. 5 No. 2 (2025): Cross-Border Journal of Business Management
Publisher : Institut Agama Islam Sultan Muhammaad Syafiuddin Sambas

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This research is motivated by the Strategy of the National Zakat Amil Agency (BAZNAS) in channeling Zakat Infaq and Alms (ZIS) funds for education is very important for children to study at a higer level, but there are still many children who are less able to do so. Continuing education due to family economic factors. So that way BAZNAS created a superior program. This program focuses on school children who are less able to complete school. The National Zakat Amil Agency (BAZNAS) provides assistance in the form of school supplies that they need, starting from money, bags,pens,books, pencils and other school supplies. The aim of this research is to determine the strategy of the National Zakat Amil Agency (BAZNAS) in distributing zakat, infaq and alms funds in the education sector of Sambas District, Sambas Regency. Apart from that, it is also to find out what are the inhibiting factors in distributing zakat, infaq and alms funds in the education sector of Sambas District, Sambas Regency. This type of research is field research, using a qualitative descriptive approach. The data collection technique used was through observation interviews and documentation based on existing sources in the field related to this research. The results of this research conclude that BAZNAS strategy in distributing zakat, infaq and alms funds in the education sector in Sambas District has been running well, although sector in Sambas District has been running well, although it is not optimal. BAZNAS strategy in distributing zakat, infaq and alms funds in the education sector in Sambas District is to collaborate with schools. And institution related to the process of distributing ZIS funds in the education sector. There are 3 programs in the Sambas Regency BAZNAS program, namely education, health and house renovation programs. ZIS funds are collected by BAZNAS and distributed to 8 (eight) Asnaf, namely the Poor, Poor Amilin, Muallaf, Gharimin, Riqab, Fisabilillah and Ibnu Sabil. One form of responsibility is by channeling the zakat funds that have been collected to help reduce educational costs for people in need.
ANALISIS PENDAPATAN PETANI KARET DALAM MENINGKATKAN KESEJAHTERAAN MASYARAKAT DESA TEMPAPAN HULU KECAMATAN GALING PERSPEKTIF EKONOMI ISLAM Nuriani; Hutagaluh, Oskar; Jum’an
Cross-Border Journal of Business Management Vol. 5 No. 2 (2025): Cross-Border Journal of Business Management
Publisher : Institut Agama Islam Sultan Muhammaad Syafiuddin Sambas

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The development of the agricultural sector is directed at increasing the productivity of agricultural products to meet the food needs of the people and the needs of the domestic industry, increase exports, increase farmer incomes, expand employment opportunities and encourage business opportunities. In Galing District, most of the people's livelihoods are farming, planting plantation commodities such as rubber. Technically the commodities in Galing District are very supportive, there is still a lot of unused critical land which is a potential for plantation development in the future. One of them is that in Tempapan Hulu Village almost every household in Tempapan Hulu Village works as a rubber farmer. Even though Tempapan Hulu Village is one of the rubber-producing villages in Galing District, the reality shows that not all rubber farming communities live in better conditions and with the same land area but there are different levels of income generated by rubber farmers. This research is a field research with primary data and secondary data. Collecting data in this study using the method of observation, interviews. The analytical method used is a qualitative analysis method. The results of this study indicate that the income level of the community in Tempapan Hulu Village is still relatively low because the income of the people who still do not meet the UMK standards of Sambas Regency, the income of the rubber farming community is only around 1-2 million due to low rubber prices and also the rubber farmer's income depends on the weather . For the welfare of the community in Tempapan Hulu Village it is also still relatively low because the income from rubber products has not been able to fully meet the needs of the community and also the education of the community is still low due to damaged road access and also schools that are not provided in the village while for welfare in an economic perspective Islamic society belongs to the perspective of Islamic economics because the community carries out it responsibly and involves Allah in the work and also they perform the dawn prayer first before tapping rubber and in buying fertilizer the community has paid in cash not in debt.
PERAN PABRIK SAGU HAKIM DALAM MENINGKATKAN PENDAPATAN KARYAWAN DITINJAU PERSPEKTIF EKONOMI SYARIAH DI DESA SEBANGUN KECAMATAN SEBAWI Reza, Rizqi; maskupah; Marina
Cross-Border Journal of Business Management Vol. 5 No. 2 (2025): Cross-Border Journal of Business Management
Publisher : Institut Agama Islam Sultan Muhammaad Syafiuddin Sambas

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Every factory has the potential to be developed, in its development the role of employees is needed to achieve the goal of optimal local resource processing both in terms of natural resources and from the potential possessed by each employee. This research is a type of descriptive qualitative research with a type of research, namely field research (library research). The data collection techniques used are observation, interviews and documentation. The data sources used are primary data and secondary data. Data analysis techniques in the study used data reduction, data presentation and conclusion drawn. The data validity technique used is source triangulation. The results of this study show that the role of the Hakim sago factory in increasing employee income is said to be good and achieved by the fulfillment of the three roles of the Hakim factory, namely helping to improve the employee economy; conducting employee coaching; participate in MSME funding. This study also shows that the role of the Hakim factory in increasing employee income reviewed from the perspective of Sharia Economics in Sebangun village, Sebawi District is said to be fulfilled as evidenced by increasing the living rate of employees, the fulfillment of employee needs, and the openness of the sago factory with the local government. There is employee participation in terms of developing village potential. Participation in sago festival activities is a characteristic of Sebangun village, Sebawi District.
PENGARUH RELIGIOSITY, KINERJA LAYANAN (HEDPERF), DAN KEPUASAN TERHADAP WORD OF MOUTH MAHASISWA INSTITUT AGAMA ISLAM SULTAN MUHAMMAD SYAFIUDDIN SAMBAS Gustina
Cross-Border Journal of Business Management Vol. 5 No. 2 (2025): Cross-Border Journal of Business Management
Publisher : Institut Agama Islam Sultan Muhammaad Syafiuddin Sambas

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Penelitian ini bertujuan menjelaskan pengaruh religiosity, kinerja layanan (HEdPERF) dan kepuasan terhadap word of mouth mahasiswa Institut Agama Islam Sultan Muhammad Syafiuddin Sambas. Uji hipotesis menggunakan Structural Equation Modeling. Hasil penelitian menunjukkan bahwa religiosity berpengaruh terhadap kepuasan, kinerja layanan berpengaruh terhadap kepuasan, religiosity berpengaruh terhadap WOM, kinerja layanan berpengaruh terhadap WOM, kepuasan berpengaruh terhadap WOM, kepuasan dapat memedisi religiosity terhadap WOM, dan kepuasan dapat memediasi kinerja layanan terhadap WOM. Simpulannya semakin meningkatnya religiosity dan kinerja layanan akan meningkatkan kepuasan sehingga dapat meningkatkan WOM.

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