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<![CDATA[Economic Empowerment Of Santripreneur-Based Islamic Boarding Schools At Nurul Amanah Islamic Boarding School, Bangkalan ]]>
<![CDATA[Anisa Putri Armita]]>;
<![CDATA[Luluk Hanifah]]>
<![CDATA[ JOURNAL OF SHARIA ECONOMICS Vol. 5 No. 2 (2023): Journal of Sharia Economics ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia ]]>
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DOI: 10.35896/jse.v5i2.668
<![CDATA[Islamic boarding schools have the responsibility to develop the potential of students and empower them in all fields including economic aspects. This is what has spurred a number of Islamic boarding schools to try to combine the religious education system with entrepreneurial training. With the aim of supporting the main task of Islamic boarding schools, namely providing religious knowledge. So that Islamic boarding schools are not only producing a spiritually competent generation, but also producing an economically competent generation. The research conducted at the Nurul Amanah Bangkalan Islamic Boarding School used qualitative research methods. The data collection techniques used in this research included documentation, observation and in-depth interviews with students and caregivers at the Nurul Amanah Bangkalan Islamic Boarding School. Nurul Amanah Islamic Boarding School is an Islamic boarding school that implements a santripreneur program for students to become entrepreneurs so that they can empower the Islamic boarding school's economy. Therefore, this research aims to determine the economic empowerment of santripreneur-based Islamic boarding schools at the Nurul Amanah Bangkalan Islamic Boarding School.]]>
<![CDATA[The Influence of Capital, Sensitivity, Diversification, Competition and Pandemic on Stability of Islamic Banking ]]>
<![CDATA[Niken Septiani]]>;
<![CDATA[Fuad Hasyim]]>;
<![CDATA[Rais Sani Muharrami]]>
<![CDATA[ JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 1 (2024): Journal of Sharia Economics ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia ]]>
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DOI: 10.35896/jse.v6i1.669
<![CDATA[Banking stability is an essential factor to measure the level of bank health. This study aims to determine the factors that influence the level of stability of Islamic Banking during the COVID-19 pandemic. ZScore provides bank stability measurement. This study uses the panel data regression analysis method with the OLS approach. Data are taken from the financial statement release of Islamic commercial banks from the first quarter of 2018 to the fourth quarter of 2022, using a purposive sampling technique and processed with E-Views 10 statistical application. The number of sampled banks was 10 banks from 13 populations. The panel data regression processing result concluded that the capital variable significantly positively affects bank stability. The sensitivity, diversification, competition, and pandemic variables do not significantly affect bank stability.]]>
<![CDATA[Analisis Komparasi Kinerja Keuangan Bank Syariah dengan Bank Non Syariah di Indonesia ]]>
<![CDATA[Yogi Kurniawan]]>;
<![CDATA[Mufti Arief Arfiansyah]]>
<![CDATA[ JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 1 (2024): Journal of Sharia Economics ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia ]]>
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DOI: 10.35896/jse.v6i1.717
<![CDATA[The development of Indonesia's financial system has shown rapid growth, with Islamic banks increasingly occupying a significant position in providing financial services in accordance with Islamic principles. However, views on the financial performance of Islamic and conventional banks in Indonesia still vary. Therefore, this research aims to examine the differences in financial performance between Islamic and conventional commercial banks during the period of 2018-2022. In this study, the purposive sampling method was used to select samples from eleven conventional and Islamic commercial banks. Secondary data in the form of financial reports were obtained from the official website of the Financial Services Authority (OJK) and the official websites of the banks under study. The tested research variables include Risk Profile ratios, Good Corporate Governance (GCG), Earnings, and Capital. Hypothesis testing was conducted by applying independent sample t-tests and Mann-Whitney tests for data analysis. The findings indicate that there is no significant difference in credit risk and liquidity risk between the two categories of banking institutions. However, there is a significant difference in the implementation of GCG and Return on Assets (ROA) between Islamic and conventional commercial banks. Overall, the financial performance of Islamic Commercial Banks demonstrates superiority in ROA and Capital Adequacy Ratio (CAR), while Conventional Commercial Banks excel in Good Corporate Governance (GCG) and Operational Cost to Operating Income (BOPO).]]>
<![CDATA[Pengaruh Kualitas Pelayanan, Kepuasan Dan Costumer Relationship Marketing Terhadap Loyalitas Nasabah Di Bank BMI KCP Ponorogo ]]>
<![CDATA[dian puspitasari]]>;
<![CDATA[Ajeng Pipit Fitriani]]>
<![CDATA[ JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 1 (2024): Journal of Sharia Economics ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia ]]>
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DOI: 10.35896/jse.v6i1.746
<![CDATA[Today, competition in the corporate world, particularly banking, is increasingly tight and intense.. Customer loyalty should be the highest target that must be built and achieved by management in banking, especially sharia banking. This is because the level of competition between Islamic financial institutions is getting tighter. This research is motivated by the problem of customer loyalty at Bank Muamalat KCP Ponorogo. The purpose of this research is to determine the influence of service quality, satisfaction and CRM on customer loyalty at Bank Muamalat KCP Ponorogo This research uses quantitative research methods. The data collection method uses a questionnaire distributed to Bank Muamalat KCP Ponorogo customers totaling 100 respondents using an incidental sampling technique. The data analysis tools used in this research are validity and reliability tests, classical assumption tests, multiple regression analysis consisting of the t test, F test, and coefficient of determination test which are processed using the SPSS Statistics 22 tool. The results of this research based on the t test show that the service quality variable has a positive and significant effect on customer loyalty. The satisfaction variable has no effect on customer loyalty, the customer relationship marketing variable has a positive and significant effect on customer loyalty. Based on the F test, it shows that the variables of service quality, satisfaction and customer relationship marketing simultaneously influence customer loyalty.]]>
<![CDATA[Strategi Pelayanan Frontliner Dalam Meningkatkan Kepuasan Nasabah Bank Muamalat Indonesia KCP Ponorogo ]]>
<![CDATA[Rika Bella Rahmawati]]>;
<![CDATA[Verbena Ayuningsih Purbasari]]>
<![CDATA[ JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 1 (2024): Journal of Sharia Economics ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia ]]>
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DOI: 10.35896/jse.v6i1.747
<![CDATA[Pada saat ini persaingan di dunia perbankan terus meningkat, oleh karena itu perlu adanya peningkatan kualitas layanan yang diberikan oleh lembaga perbankan. Penelitian ini bertujuan untuk: (1) mengetahui strategi pelayanan frontliner yang diterapkan BMI KCP Ponorogo dalam meningkatkan kepuasan nasabah; (2) mengetahui alasan penerapan strategi pelayanan complaint handling dalam meningatkan kepuasan nasabah BMI KCP Ponorogo; (3) mengetahui dampak strategi pelayanan yang diterapkan BMI KCP Ponorogo dalam meningkatkan kepuasan nasabah. Metode penelitian yang digunakan adalah penelitian kualitatif dengan pendekatan studi lapangan (field research). Hasil yang didapatkan dari penelitian ini antara lain: 1) strategi yang digunakan frontliner dalam meningkatkan kepuasan nasabah terdiri dari cepat tanggap, kompetensi, dapat dipercaya, kontribusi, kejujuran, dan pelayanan prima; 2) strategi pelayanan penanganan keluhan nasabah atau complaint handling sangat perlu dilakukan oleh frontliner BMI KCP Ponorogo pasalnya hal tersebut akan berpengaruh kepada kepuasan dan loyalitas nasabah. dan 3) dampak strategi pelayanan yang diterapkan dalam meningkatkan kepuasan nasabah antara lain munculnya penilaian baik berupa perasaan puas nasabah, sikap loyal dalam menggunakan produk dan jasa perbankan, serta kesediaan nasabah untuk merekomendasikan produk kepada orang lain. Namun, terdapat hal yang perlu diperbaiki yaitu belum terpenuhinya harapan nasabah karena keterbatasan jumlah tenaga frontliner yang melakukan pelayanan serta pelayanan yang dilakukan oleh frontliner BMI KCP Ponorogo dinilai masih lamban.]]>
<![CDATA[Analisis Penyaluran Dana Zakat Terhadap Kesejahteraan Mustahik Menggunakan Metode CIBEST (Center For Islamic Business And Economuc Studies) (Studi kasus BAZNAS Kota Jambi) ]]>
<![CDATA[Zalfa Rianda]]>;
<![CDATA[Nurida Isnaeni]]>;
<![CDATA[Ary Dean Amri]]>
<![CDATA[ JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 1 (2024): Journal of Sharia Economics ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia ]]>
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DOI: 10.35896/jse.v6i1.782
<![CDATA[This study aims to analyze the distribution of zakat funds through the Jambi City Care program for business capital assistance and business equipment with a focus on knowing changes in the level of income welfare and the level of spiritual welfare of mustahik before and after receiving productive zakat assistance, through the CIBEST (Center For Islamic Business and Economis Studies) approach. This research uses descriptive quantitative methods, the type of data used in this research is primary data obtained through interviews and distributing questionnaires and secondary data in the form of data on mustahiks who receive productive zakat assistance from BAZNAS Jambi City. Respondents in this study amounted to 20 mustahik households. The analysis method used in this research is the CIBEST model and the Wilcoxon Difference Test. The results of this study indicate that there are significant changes before and after receiving productive zakat funds from BAZNAS Jambi City. Based on the calculation of the CIBEST index value in 20 mustahik households before the productive zakat fund assistance, it shows that 30% of mustahik households live in prosperous conditions, 65% are in meteriil poverty, 5% spiritual poverty and 0% absolute poverty. While after receiving productive zakat assistance shows that 100% of mustahik households live in a prosperous condition, 0% in meteriil poverty, 0% spiritual poverty, 0% absolute poverty.]]>
<![CDATA[Analisis Pembiayaan Bermasalah Bank Wakaf Mikro Pada Pelaku Usaha Mikro Kecil (UMK) di BWM Pondok Pesantren As’ad Seberang Kota Jambi ]]>
<![CDATA[Diah Fardila]]>;
<![CDATA[Rafiqi .]]>;
<![CDATA[Ary Dean Amri]]>
<![CDATA[ JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 1 (2024): Journal of Sharia Economics ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia ]]>
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DOI: 10.35896/jse.v6i1.793
<![CDATA[This research aims to find out the causes of problematic financing at Micro Waqf Banks, to find out the impact of problematic financing at Micro Waqf Banks and to understand the handling of BWM settlements for problematic financing at As'ad Islamic Boarding School Micro Waqf Banks. The research method used is qualitative. The data sources used in this research are primary and secondary. The data collection techniques used in this research are observation and interviews. The results of this research show that (1) The causes of Problematic Financing in Micro Waqf Banks are intentional elements such as the poor character of customers who deliberately do not want to pay installments and unintentional elements such as a decline in economic conditions and disasters occurring. (2) The impact of problematic financing on Micro Waqf Banks, namely decreasing BWM income, the impact of a bad image not only impacting the intra-institution but later external parties will also have a negative view of the Institution. employee time and energy spent going directly to the customer's location. (3) Handling the BWM Settlement for Problematic Financing of the As'ad Islamic Boarding School Micro Waqf Bank, namely by having a jointly responsible group, visiting the customer's residence (silaturrahmi) and providing an extension of time to the customer.]]>
<![CDATA[Analisis Strategi Meningkatkan Minat Masyarakat Seberang Kota Jambi Terhadap Bank Syariah ]]>
<![CDATA[Ayu Marta]]>;
<![CDATA[Lucky Enggrani Fitri]]>;
<![CDATA[Paulina Lubis]]>
<![CDATA[ JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 1 (2024): Journal of Sharia Economics ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia ]]>
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DOI: 10.35896/jse.v6i1.794
<![CDATA[This research aims to determine the factors causing the low of interest of the people of Seberang Jambi City towards Sharia Banks, to find out and analyze opportunities, challenges and strategies that can be implemented to increase the interest of the people of Seberang Jambi City. This research uses a qualitative approach. The data source used in this research is primary. Data collection techniques were carried out using observation, interviews and documentation methods. The data analysis technique used in this research is SWOT analysis. The results of this research show that there are 2 factors causing the low interest of the people of Seberang Jambi City, namely internal and external factors. Internal factors namely; work encouragement factors, social environment encouragement and trust. Meanwhile, external factors causing the low interest of people across Jambi City in Sharia Banking are; Sharia Bank knowledge and products, promotion and outreach, location and facilities. The strategy to increase the interest of the people across Jambi City in Syariah Banking is to carry out regular outreach about sharia banking products, collaborate with all Islamic boarding school institutions across Jambi City, promote through distributing brochures and social media, and increase ATMs at strategic points .]]>
<![CDATA[Analisis Program Sertifikasi Halal Sebagai Penerapan Etika Bisnis Islam Pada Usaha Mikro Kecil Di Kota Jambi ]]>
<![CDATA[Roza Alfian]]>;
<![CDATA[Lucky Enggrani Fitri]]>;
<![CDATA[Ridhwan Ridhwan]]>
<![CDATA[ JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 1 (2024): Journal of Sharia Economics ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia ]]>
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DOI: 10.35896/jse.v6i1.795
<![CDATA[The purpose of this research is to determine and analyze the government's role in the halal certification program, to determine and analyze the response of business actors and consumers to the halal certification program and to determine and analyze the relationship between the halal certification program and the application of Islamic business ethics. The research method used is qualitative. The data sources used in this research consist of two types of data, namely primary data and secondary data. The data collection techniques used in this research are direct observation, interviews and documentation. The results of this research show that: (1) The government plays an active role in optimizing the halal certification program for micro and small business actors in Jambi City by opening a free halal certification program (SEHATI) from January 2 2023 to October 17 2024 with a target of 1 million free halal certification quota with self-declare mechanism. (2) The response of business actors to the halal certification program in Jambi City is very positive. Halal certification is very important for business actors, because with halal certification, they can market their products to super markets or even souvenir centers. This of course has a positive impact because it can increase the selling value of the product. The consumer response to the halal certification program in Jambi City was welcomed positively, because with the halal label, consumers do not need to worry about the ingredients contained in it which have been confirmed to be halal. (3) The relationship between the halal certification program and the application of Islamic business ethics in the form of the main principles in Islamic business ethics in the form of, Tauhid, balance, free will and responsibility has been implemented by business actors. So apart from complying with government regulations with the existence of Law No. 33 of 2014 concerning Halal Product Guarantees, business actors also apply the principles of business ethics in running their business]]>
<![CDATA[Respon Pelaku Usaha Tentang Kewajiban Sertifikasi Halal (Studi Kasus Kantin Universitas Jambi) ]]>
<![CDATA[Dela Pauzia]]>;
<![CDATA[Lucky Enggrani Fitri]]>;
<![CDATA[Ridhwan Ridhwan]]>
<![CDATA[ JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 1 (2024): Journal of Sharia Economics ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia ]]>
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DOI: 10.35896/jse.v6i1.796
<![CDATA[This research aims to determine the implementation of the halal certification obligation in the Jambi University canteen, the response of business actors regarding the halal certification obligation in the Jambi University canteen, the inhibiting factors and opportunities for business actors in carrying out halal certification in the Jambi University canteen and strategies for halal certification obligations that can be implemented in the canteen. Jambi University. The research method used is qualitative. The data sources in this research are primary and secondary. The data collection techniques used in this research were interviews and observation. The results of this research show that the implementation of halal certification obligations in the Jambi University canteen can use 2 routes, namely self-declaration and regular. If canteen businesses meet the criteria for self-declaring halal certification, they have the right to carry out self-declaring halal certification at a free service rate. Apart from these criteria, canteen business actors are required to carry out regular halal certification. The response of business actors to halal certification is quite good, although there are still many business actors who do not know how to achieve halal certification. The inhibiting factors for halal certification include lack of knowledge and awareness, lack of access to information and outreach, halal certification procedures which are considered complicated and lack of professional guidance. Then the opportunity factors include the halal certification process which will be assisted by the BPU, the existence of PSKH at Jambi University. The strategy for implementing halal certification obligations in the Jambi University canteen is increasing socialization of government policies regarding halal certification, improving the quality of human resources for institutions and business actors related to halal certification, holding socialization and education activities on halal certification, establishing collaboration with other institutions related to halal certification.]]>
