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Riza Faishol
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INDONESIA
Ribhuna: Jurnal Keuangan dan Perbankan Syariah
Published by Universitas Islam Ibrahimy Banyuwangi
ISSN : 28294548     EISSN : 28294181     DOI : https://doi.org/10.69552/ribhuna
Core Subject : Economy,
Economics, Econometrics & Finance
Focus and Scope The topics are as follows, but not limited to : - Takaful and Risk MAnagement - Inclusive financial development - Money payment system & Financial Innovation - Islamic pricing risk & Liquidity Management - Economics analysis of Islamic Banking & Finance - Regulation & Stability of Islamic Banking & Finance - Sharia supervisory boards in Islamic Banking & Finance - Product development Islamic Finance institution - Islamic Economics & Finance - Islamic Finance Service - Islamic Ethics and Governance - Islamic Capital Market - Islamic Microfinance - Islamic financing Modes - Islamic Social Finance and other related topics
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 44 Documents
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STRATEGI KEUNGGULAN BERSAING MELALUI DIGITALISASI LAYANAN PRODUK PADA BANK SYARIAH INDONESIA KCP ROGOJAMPI Samsuri Samsuri
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 1 No. 1 (2022): January 2022
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

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Abstract

This study aims to determine the competitive advantage strategy through digital product services used by Bank Syariah Indonesia Rogojampi Branch Office, to maintain the competitive advantage of digital product services so that they are not rivaled by other financial institutions. This research is a research with a qualitative descriptive approach. This research was carried out at Bank Syariah Indonesia KCP Rogojampi, the research subjects were Retail Banking Managers, Customer service and Customers who use digitalization products. The data collection method in this study used interviews, while the data analysis methods used were interview, observation and research techniques. The strategy used by Bank Syariah Indonesia in determining competitive advantage is by using various strategies, namely by identifying the company's internal and external factors. In addition, it also develops services for a product through digitization that is more flexible and convenient for customers.
IMPLEMENTASI MANAJEMEN RISIKO PADA LEMBAGA KEUANGAN NON-BANK SYARIAH (STUDI ANALISIS UNIT SIMPAN PINJAM POLA SYARIAH AUSATH BANYUWANGI) Muhammad Syarofi
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 1 No. 1 (2022): January 2022
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

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Abstract

Islamic non-bank financial institutions, namely islamic cooperatives USPPS Ausath as financial institutions that are also not separated from the risk and return, with the risk or risk forces the cooperative to identify and recognize every risk that is happening and that will be faced in the hope of being able to minimize the risk that occurs so as to be able to get optimal return. This research study is obtained through a qualitative approach, using data in the form of written or oral sentences from a selected source, through events or knowledge of study projects that are descriptive, this type of research uses case study methods. Risk management carried out by the sharia cooperative USPPS Ausath implements risk management effectively and competitively by the individual sharia cooperative USPPS Ausath and the sharia cooperative business unit USPPS Ausath, through consolidation with subsidiaries under the auspices of sharia cooperatives USPPS Ausath and still supervised by the Commissariat Board of sharia cooperatives USPPS Ausath, and the Sharia Supervisory Board.
FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN NASABAH DALAM PEMBIAYAAN CICIL EMAS DI BANK SYARIAH INDONESIA KC. ROGOJAMPI Rahmad Hendi Zaelani
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 1 No. 1 (2022): January 2022
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

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Abstract

The value of the benefits of gold can be emotionally enjoyed in its beauty, gold as a precious metal with a high aesthetic value, as one of the profitable investments and continues to move up to its price specifications. The added value that gold has as a symbol of glory and social status for everyone who has. These values encourage Bank Syariah Indonesia to create gold installment products to help customers to finance the purchase / ownership of precious metal gold or lantakan in a very easy and profitable way. This research is with a qualitative approach, phenomenology study to customers of Bank Syariah Indonesia KC. Rogojampi. The results showed that the customer's decision to make a purchase or financing of gold installments at Bank Syariah Indonesia KC. Rogojampi because of four factors, namely service factors on the part of banking employees, social factors for the usefulness of products, personal factors to get the essence value of the company. Keywords: Customer Decision, Gold Installment Financing
STRATEGI PEMASARAN PADA PRODUK TABUNGAN HAJI DI BANK SYARIAH INDONESIA KANTOR CABANG PEMBANTU ROGOJAMPI Habibulloh Habibulloh
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 1 No. 1 (2022): January 2022
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

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Abstract

Marketing strategy is defined as the analysis of development strategies and implementation of activities in the target market determinant strategy for products in business units, setting marketing objectives, and implementation development, as well as the management of market position-determining marketing program strategies designed to meet the desires of target market consumers. This study is a study with a descriptive-cauldronative approach. This research was conducted at Bank Syariah Indonesia Rogojampi Auxiliary Branch Office. The subject in the study was a supervisor, the Consumer Business Relations Manager (CBRM). This research aims to find out how the marketing strategy of hajj savings products in Bank Syariah Indonesia Rogojampi Auxiliary Branch Office. While the method of data collection in this study uses interviews, while the data analysis method used is interviewing, observation, and documentation techniques. The results of qualitative research show that the marketing strategy of Hajj savings products is to utilize the moment at the end of the service such as cross selling, dor to door related to hajj savings products. Such a way is the most effective way to get prospective customers, because it meets face to face and presents hajj savings products like what is in Bank Syariah Indonesia KCP Rogojampi.
REKONTRUKSI MODEL INTEGRASI UKM DAN LKM KE DALAM CITA-CITA DESA MELALUI BUMDesa DI KABUPATEN BANYUWANGI Emi Hidayati; Nurul Fatimah
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 1 No. 1 (2022): January 2022
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

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Abstract

The management of microfinance institutions in the village has not been directed with certainty. The management of micro-enterprises and units of microfinance institutions aims to be integrated into the management of BUMDes. This requires a deeper study to find out the consolidation model and its management. This study used qualitative research methods. The selection of this qualitative method is based on the consideration of the need to deepen the meaning of a phenomenon. Based on the study and the results of research and discussion, it can be concluded: 1) With this microfinance institution, small and medium enterprises can find solutions that have been one of the problems; 2) establishment and management of Village Owned Enterprises (BUMDes) by integrating the existence of Micro Finance Institutions (LKM) into business units, is actually very strategic for efforts to maximize the role of developing rural micro productive economic enterprises; 3) The reasons for objecting to consolidation or integration are still about sectoral egos, all parties do not feel it is important to position the village as a place to live, do not believe that the village can play a role in building self-reliance and prospering the community.
ANALISIS PENERAPAN STRATEGI PROMOSI BELOW THE LINE TERHADAP PENINGKATAN JUMLAH NASABAH DI PT. BANK TABUNGAN NEGARA KANTOR CABANG SYARIAH MEDAN Luthfia Nabila Pane; Marliyah Marliyah; Laylan Syafina
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 2 No. 2 (2023): July 2023
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/ribhuna.v2i2.1325

Abstract

This study aims to determine the implementation of the Below The Line promotion strategy at the State Savings Bank, Medan Syariah Branch Office. The Below The Line promotion strategy is implemented to attract customers to save and transact at BTN Syariah Medan Branch Office and can increase the number of customers at the bank. This study uses a descriptive qualitative approach with primary and secondary data sources. This study uses data collection techniques with interviews and documentation studies by coming directly to BTN Syariah and interviewing existing sources. As well as using data on the increase in the number of customers in the last 5 years at BTN Syariah. The results of this study indicate an increase in the number of customers at BTN Syariah in the last 1 year. Based on the Annual Report of BTN Syariah Medan Branch Office from 2019 to 2020 there was an increase in the number of customers by 32.6% from 2019. That is from 713,747 in 2019 to 816,422 in 2020. And the implementation of the Below The Line promotion strategy has a big influence on an increase in the number of customers at BTN Syariah KC Medan. Below The Line Promotion Strategy types of Events, Sponsorships and Prizes greatly affect the increase in the number of customers at BTN Syariah Medan Branch Office. Then, the obstacles that exist in the implementation of the Below The Line Promotion Strategy have also been found solutions to overcome them so that in the future it is hoped that the Below The Line Promotion Strategy can run smoothly. Then from the results of this study, the type of Below The Line Promotion Strategy that has the most influence on increasing the number of customers at BTN Syariah Medan Branch Office is Event.
PERAN KAMPUS DALAM ADVOKASI PERUBAHAN STATUS KELEMBAGAAN “DARI BADAN KREDIT DESA (BKD) MENJADI LEMBAGA MIKRO KEUANGAN” (LKM) DI KABUPATEN BANYUWANGI SEBAGAI UPAYA “PEMULIHAN EKONOMI” DI MUSIM PANDEMI COVID-19 Emi Hidayati; Atho’ilah Aly Najamudin
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 1 No. 2 (2022): July 2022
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

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Abstract

Banyuwangi Regency in an effort to recover the COVID-19 pandemic economy has village financial assets owned by the Village Credit Agency or BKD, namely as a channeling institution for capital distribution schemes for the lower middle class, even since POJK Number 10 of 2016 concerning the institutional transformation of BKD has carried out the process institutional status, because BKD is considered not a legal entity by the government which has an impact on asset ownership status. This study is intended to advocate for institutional change policies by using advocacy theory that has an impact on the institutional status of MFIs in order to assist economic recovery during the COVID-19 pandemic. This article is a type of qualitative research with the results of the advocacy work of the Institute for Research and Community Service (LPPM) of the Islamic Institute (IAI) Ibrahimiy, Genteng, Banyuwangi Regency which was carried out in 68 villages in Banyuwangi Regency, from 2016 until now. The results of campus advocacy work realized 7 things, namely; (1) the process of analyzing problems related to regulations regarding status changes; (2) the strategic process of making steps through FGDs for all former BKDs; (3) the mobilization process to decide on the establishment of MFIs through MUMDES; (4) the action process, namely the establishment of LKM that are members of 62 former BKDs, (5) the evaluation process, namely controlling savings and loans through the community mentoring process, (6) the continuity process to maintain the continuity of the savings and loan cycle of assets, and customers in the LM, (7) Mentoring LKM institutions during the COVID-19 Pandemic season, as distributors of business capital and credit restructuring for customers. This paper concludes that the establishment of a Microfinance Institution (LKM) in the form of PT. BKD Mandiri LKM as a financial service institution that has clear asset ownership, legal entity status and is supervised by the OJK and has an impact on the economic recovery season during the Covid-19 pandemic. This advocacy process requires a policy to strengthen Microfinance Institutions as an effort to provide business capital distribution schemes that support poverty alleviation.
MODEL STRATEGI PROMOSI PARIWISATA BERBASIS EKOWISATA DENGAN PENDEKATAN SYARIAH DI KABUPATEN BANYUWANGI Samsuri Samsuri; Ficky Septalinda
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 1 No. 2 (2022): July 2022
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

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Abstract

This study aims to examine whether the promotional strategy carried out in order to introduce ecotourism-based Banyuwangi tourism is in accordance with the sharia approach, considering that Banyuwangi has quite a number of ecotourism-based tourism objects that are feasible to be developed, so that it is expected to be able to increase community and regional income. So this study aims to determine the strategy of tourism promotion based on ecotourism with a sharia approach. The research is a field research with a qualitative approach, collecting data using the methods of observation, interviews, and documentation. While the analysis uses qualitative data analysis (non-statistical). Based on the results of the study, it shows that the ecotourism promotion strategy carried out by Disbudpar is in accordance with the sharia approach, namely honesty, sincerity and trust, and judging from the ethics of promotion in Islam, it also does not sell oaths, does not break promises, is honest, avoids fraud, and is willing to make small profits. but a blessing and the most important thing is to prioritize the welfare of the community.
ANALISIS STRATEGI PEMASARAN PADA PRODUK SIMPANAN MUDHARABAH DI BMT NUSANTARA CABANG GLENMORE Yeny Rokhilawati
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 1 No. 2 (2022): July 2022
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

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Abstract

A marketing strategy is a plan to allocate and coordinate resources in marketing activities to achieve both short- and long-term goals based on market research on product valuation, promotion and sales planning and retribution. To achieve maximum marketing results, it is first necessary to apply the core concept of marketing that determines segmentation or grouping, targeting (target market) and positioning (company position). This research uses qualitative research methods with qualitative descriptive approaches, data collection, using several methods namely obsevation, interviews and documentation. While technical data analysis uses qualitative data analysis (data reduction, data presentation and conclusion withdrawal). While checking the validity of data using source triangulation and triangulation techniques. The results of this research, it can be concluded that the marketing strategy carried out by BMT UGT Nusantara is marketing mix 11 in the form of products (products) is fairly complete, the price (price) is very cheap, the place (place) by picking up the ball, promotion (promotion) more to field officers and brochures, people (people) are male employees and prioritize graduates of boarding schools, concern (public relations) by giving fines obtained from customers to be donated to social institutions, Physical evidence (physical evidence) by setting up an office and there is written evidence of transactions, power (power) with a strong network and customers quite a lot. (Pressure) in working employees must run on time and full responsibility, performance (performance) is to determine who employees who have good performance will be raised and vice versa, and a good process , friendly and polite will give its own impression for customers.
AKAD SALAM, PERMASALAHAN DAN SOLUSINYA Afria Rachmawati
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 1 No. 2 (2022): July 2022
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

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Abstract

There are several types of financing in banking, one of which is financing with a Salam contract. Where in this Salam contract it is stated that the sale and purchase transaction, in this case the payment occurs at the time of the contract, but the delivery of the goods occurs at a later date with a predetermined time. The problem regarding the salam contract is that so far the salam contract has only been considered suitable for the agricultural industry. The magnitude of the risks contained in the agricultural sector also affects the reluctance of the banking sector to channel working capital to the agricultural sector which is not only based on a salam contract. The lack of Islamic bank financing for the agricultural sector is due to the influence of risks contained in the agricultural business. This explains that in order to reduce business risk or increase the chances of success in the implementation of sharia financing in the agricultural sector, one of the key factors is the need to create an integrated business partnership model between agricultural business actors and sharia banking parties. The form of partnership cooperation can be realized in the pattern of plasma core relationships, subcontracting, general trading, or agribusiness operational cooperation. There is a need for socialization and education related to this contract.

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