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Muhammad Rifqi Hidayat
Contact Email
rifqifebi@uin-antasari.ac.id
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yuliahafizah@uin-antasari.ac.id
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Kota banjarbaru,
Kalimantan selatan
INDONESIA
At-Taradhi: Jurnal Studi Ekonomi
ISSN : 19793804     EISSN : 25489941     DOI : -
Core Subject : Economy, Education,
At-Taradhi: Jurnal Studi Ekonomi:This journal is published twice a year in June and December with a focus on economics and the like with the same science
Arjuna Subject : -
Articles 435 Documents
Customer Loyalty in the Islamic Banking Industry: Insights from a Case Study of BPRS Puduarta Insani's Marketing Strategy Amelia Azura; Nurbaiti Nurbaiti; Nur Ahmadi Bi Rahmani
At-Taradhi Jurnal Studi Ekonomi Vol 14 No 1 (2023)
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/at-taradhi.v14i1.9754

Abstract

This research paper examines the role of relationship marketing, sharia compliance, and company image in influencing customer loyalty in the Islamic banking industry, moderated by customer satisfaction. The study focuses on a case study of BPRS Puduarta Insani's marketing strategy in Indonesia. The aim of the study is to provide insights into the factors that contribute to customer loyalty and to identify areas for improvement in the bank's marketing approach. The study uses a quantitative research method, collecting primary data through a Likert scale questionnaire. The data gathered from 99 participants are analyzed using SPSS 21.0, including tests of validity, reliability, classical assumptions, statistical significance, and pathway analysis. The results of the study reveal that variables related to relationship marketing and company image have a positive but insignificant effect on customer loyalty, while variables related to sharia compliance have a positive and statistically significant effect on customer loyalty. The findings suggest that Islamic banks need to prioritize sharia compliance and cultivate a positive image to enhance customer loyalty.Penelitian ini mengkaji peran dari relationship marketing, kepatuhan syariah, dan citra perusahaan dalam mempengaruhi loyalitas nasabah di industri perbankan syariah, yang dimoderatori oleh kepuasan nasabah. Studi ini difokuskan pada studi kasus strategi pemasaran BPRS Puduarta Insani di Indonesia. Tujuan dari penelitian ini adalah untuk memberikan wawasan mengenai faktor-faktor yang berkontribusi terhadap loyalitas nasabah dan mengidentifikasi area yang perlu diperbaiki dalam pendekatan pemasaran bank tersebut. Penelitian ini menggunakan metode penelitian kuantitatif dengan mengumpulkan data primer melalui kuesioner skala Likert. Data yang diperoleh dari 99 responden dianalisis menggunakan SPSS 21.0, termasuk uji validitas, reliabilitas, asumsi klasik, signifikansi statistik, dan analisis jalur. Hasil dari penelitian ini menunjukkan bahwa variabel yang terkait dengan pemasaran hubungan dan citra perusahaan memiliki efek positif namun tidak signifikan terhadap loyalitas nasabah, sementara variabel yang terkait dengan kepatuhan syariah memiliki efek positif dan signifikan secara statistik terhadap loyalitas nasabah. Hal ini mengindikasikan bahwa bank syariah perlu memprioritaskan kepatuhan syariah dan membangun citra positif untuk meningkatkan loyalitas nasabah.
Management of Cash Waqf by the Representative of the Indonesian Waqf Board of South Kalimantan Selbi Selbi; Pati Matu Jahra
At-Taradhi Jurnal Studi Ekonomi Vol 14 No 1 (2023)
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/at-taradhi.v14i1.8481

Abstract

This study aims to explore Cash Waqf Management by the representative of BWI in South Kalimantan Province in enhancing the practice of cash waqf in South Kalimantan. This research article uses field research with a qualitative approach, employing techniques such as in-depth interviews, observation, and documentary studies. Data analysis follows Miles and Huberman's techniques. The research results indicate that the cash waqf management by the representative of BWI in South Kalimantan Province has taken into account the functions of Planning, Organizing, Actuating, and Controlling (POAC) management. However, overall management is not yet optimal, with the dominant movement being in fundraising. Investment and distribution have not progressed according to theory. There has been no significant contribution to the social and economic empowerment of the community in South Kalimantan due to a very small acquisition of funds amounting to Rp27,404,000. As a result, the funds cannot be invested and distributed to the intended recipients (mauquf ‘alaih). Despite this, management efforts and empowerment have been carried out through the initiation of programs, socialization, benchmarking, consolidation, and building relationships. Penelitian ini bertujuan untuk mengeksplorasi manajemen wakaf uang dan bentuk kontribusi manajemen wakaf uang oleh Perwakilan BWI Prov. Kalsel terhadap pemberdayaan sosial dan ekonomi masyarakat di Provinsi Kalimantan Selatan. Fokus penulisan adalah bagaimana Peran Manajemen Wakaf Uang oleh Perwakilan BWI Prov. Kalimantan Selatan dalam Meningkatkan Praktik Wakaf Uang di Kalimantan Selatan. Artikel penelitian ini menggunakan penelitian lapangan (field reseach) dengan pendekatan kualitatif. Menggunakan teknik wawancara mendalam (in depth interview), observasi, dan studi dokumentasi.  Menggunakan teknik analisis data Miles dan Huberman. Hasil penelitian menunjukkan bahwa manajemen wakaf uang oleh Perwakilan BWI Prov. Kalsel telah memperhatikan fungsi manajemen Planning, Organizing, Actuating, dan Controlling (POAC). Secara keseluruhan manajemen belum maksimal, pergerakan dominan dilakukan pada fundraising. Investasi dan distribusi masih belum bergerak sesuai teori. Belum terdapat kontribusi pemberdayaan sosial dan ekonomi kepada masyarakat di Kalimantan Selatan karena perolehan dana sangat kecil sebesar Rp27.404.000,00, sehingga tidak dapat di investasikan dan  didistribusikan kepada mauquf ‘alaih. Namun, upaya manajemen dan pemberdayaan telah dilakukan melalui pencanangan program, sosialisasi, study banding, konsolidasi, dan relasi.
Examining the Application of Al-'Urf in Islamic Financial Contracts: Insights and Implications for Modern Banking Products Noorwahidah Haisyi
At-Taradhi Jurnal Studi Ekonomi Vol 14 No 1 (2023)
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/at-taradhi.v14i1.10246

Abstract

This study aims to investigate various examples of the implementation of al-`urf as a source of law in Islamic economy. The study used qualitative approach, which involves a review of relevant literature and an analysis of primary sources. The findings of this study suggest that the use of `urf in various practices of Islamic financial contracts including bai’ mu’atah, istishna, and profit-sharing arrangements in mudharabah or musharakah contracts is a long-lasting application that has become staple in modern banking products. However, we also discovered some challenges in these practices such as the lack of contract standardization, the absence of clear guidelines for the calculation of profits and losses, and the lack of awareness among the general public about the contracts. Future research could explore these issues to offer new standards and guidelines, or suggest ways to arise awareness of Islamic contracts. Penelitian ini bertujuan untuk menyelidiki berbagai contoh implementasi al-‘urf sebagai sumber hukum dalam ekonomi Islam. Pendekatan yang digunakan dalam studi ini adalah kualitatif, yang melibatkan tinjauan terhadap literatur yang relevan dan analisis terhadap sumber-sumber utama. Temuan dari penelitian ini menunjukkan bahwa penggunaan ‘urf dalam berbagai praktik kontrak keuangan Islam, seperti bai' mu'atah, istishna, dan pengaturan bagi hasil dalam kontrak mudharabah atau musyarakah, merupakan aplikasi yang sudah lama digunakan dan menjadi bagian penting dalam produk perbankan modern. Namun, kami juga menemukan beberapa tantangan dalam praktik-praktik ini, seperti kurangnya standarisasi kontrak, ketidakjelasan panduan untuk perhitungan keuntungan dan kerugian, dan kurangnya kesadaran di kalangan masyarakat umum tentang kontrak-kontrak tersebut. Penelitian yang akan datang dapat mengeksplorasi isu-isu ini untuk memberikan standar dan panduan baru, atau memberikan saran tentang cara meningkatkan pengetahuan publik tentang kontrak-kontrak Islam.
Strategi Pengembangan Prodi Asuransi Syariah Fakultas Ekonomi dan Bisnis Islam UIN Antasari Banjarmasin dengan Menggunakan Analisis QSPM (Quantitative Strategic Planning Matrix) Lutpi Sahal; Rimayanti Rimayanti; Elida Mahriani; M. Ferry Hidayat
At-Taradhi Jurnal Studi Ekonomi Vol 14 No 2 (2023): At-Taradhi: Jurnal Studi Ekonomi
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/taradhi.v14i2.9132

Abstract

There are only 3 PTKINs in Indonesia that have opened a Sharia Insurance Undergraduate study program, including UIN Antasari Banjarmasin. Regionally, in Kalimantan, this is the only study program within PTKI. So far, the study program has established cooperation in the form of student apprenticeships, while in the form of professional training is very limited. Therefore, it is necessary to know more about the expectations of external stakeholders for the Sharia Insurance Study Program, especially regarding the competency of alumni needed by the Sharia insurance industry, internal and external factors that need to be considered in the development of the study program, then also how to develop an appropriate study program development strategy with the development of the world of work. This research is quantitative research with a descriptive approach. The data analysis methods are IFE, EFE, IE, SWOT, and QSPM Matrix. The results have shown that the competencies needed by the insurance industry to increase the absorption of alumni in the world of work, among others, for students in the form of soft skills and hard skills, the ability of lecturers to combine theory and practice during the learning process, for study programs to increase the availability of learning facilities and infrastructure both in quantity and quality, cooperate with UPKK UIN Antasari & alumni, and take advantage of cooperation agreements with hospitals & insurance. The strategy for developing the Sharia Insurance Study Program of the Faculty of Economics and Islamic Business using QSPM (Quantitative Strategic Planning Matrix) analysis is in quadrant II, namely market penetration and product development strategies.
The Effect of Price, Product and Place on The Purchase Decision of Kopi Janji Jiwa Samarinda in Islamic Economic Perspective Vira Paradina Winata; Darmawati Darmawati; Irma Yuliani
At-Taradhi Jurnal Studi Ekonomi Vol 14 No 2 (2023): At-Taradhi: Jurnal Studi Ekonomi
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/taradhi.v14i2.9450

Abstract

This study aims to determine the effect of price, product and place on purchasing decisions for Kopi Jiwa Samarinda in the perspective of Islamic economics. This type of research is quantitative research. The method used is descriptive associative. The sampling technique is non-probability sampling with (accidental sampling). The types of data in this study are primary and secondary. The sampling method used is using the Cochran formula with a sample of 96 respondents and rounded up to 100 respondents. Methods in collecting data in this study using observation, questionnaires (questionnaires), and documentation. The data analysis technique in this study uses validity test, reliability test, classical assumption test consisting of (normality test, multicollinearity test, heteroscedasticity test, autocorrelation test and linearity test), and multiple linear regression analysis test (t test, f test, and the coefficient of determination test (R2).The results of this study indicate that the price variable has no significant effect on the Purchase Decision of Promise Jiwa Samarinda Coffee with a sig value of 0.095 > 0.05, the product variable has a significant effect on the Purchase Decision of Kopi Jiwa Samarinda with a sig value of 0.000 < 0.05, and the place variable does not have a significant effect on the purchasing decision of the Promised Jiwa Samarinda Coffee in the Islamic Economic Perspective with a sig value of 0.271 > 0.05. Meanwhile, the price, product, and place variables simultaneously have a significant effect on the purchasing decision of Promise Coffee. The soul of Samarinda in the perspective of Islamic Economics with a sig value as follows: esar 0.000 < 0.05. This shows that 49.0% of the Purchase Decision variables are influenced by Price (X1), Product (X2), and Place (X3). And the rest (100% - 49.0%) = 51.0% is influenced by other variables not discussed in this study. So the influence contribution of all variables in this study is 51.0%.
Exploring Bank Syariah Indonesia and It’s Customers Perceptions of Cyber Attacks Siti Aisah; Syarifuddin Syarifuddin; Rahmad Kurniawan
At-Taradhi Jurnal Studi Ekonomi Vol 14 No 2 (2023): At-Taradhi: Jurnal Studi Ekonomi
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/taradhi.v14i2.9832

Abstract

System maintenance occurred at Bank Syariah Indonesia on May 8, 2023 delaying all activities of Bank Syariah Indonesia branch offices throughout Indonesia, many customers were disappointed with BSI services. Especially mobile banking services and ATM machines that cannot be used for customers to withdraw funds or other transactions. Not only that, employee activities were also delayed due to system maintenance that occurred. This study aims to determine customer perceptions of cyber attacks that occurred at Bank Syariah Indonesia. The research method used is qualitative research using a descriptive approach. Data were collected using field research methods. The results of this study indicate that customer perceptions of cyber attacks, still do not know the information about hacker attacks. Some just know there is a system maintenance disturbance not a hacker attack. However, some customers know about the attack because of the news on social media and newspapers. Many customers also feel anxious and afraid, wondering what is wrong with BSI which has experienced system disruptions for days. This proves that not all customers know about the attack that occurred. The countermeasures taken by Bank Syariah Indonesia are protecting customer data and controlling and preventing operational risks with tighter system supervision, upgrading windows systems, upgrading antivirus systems, conducting limited operations, positive invitations to customers or the public through social media, or direct visits to customers, limited operations and telemarketing.
Corporate Social Responsibility for Economic Recovery Post-Pandemic: A Lesson from Bank Syariah Indonesia Aminudin Ma'ruf; Rahayu Puji Lestari; Azhar Alam
At-Taradhi Jurnal Studi Ekonomi Vol 14 No 2 (2023): At-Taradhi: Jurnal Studi Ekonomi
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/taradhi.v14i2.9967

Abstract

This study aims to determine the implementation of BSI's CSR programs to support economic recovery post-pandemic, and identify the supporting and inhibiting factors in implementing its programs. The method used for this research is a qualitative method that presents actual data according to conditions in the field by direct interviews with associated parties. The study results show that BSI has set a strategy to optimize its CSR program, one of which is by focusing on empowering MSMEs. In Indonesia, MSMEs are considered the main factor for accelerating economic recovery. In its implementation, CSR at BSI indeed encounters supporting factors as well as inhibiting factors. The supporting factor is the existence of an ecosystem in implementing CSR programs, to which many parties contribute. The obstacles encountered were the lack of public understanding and education of CSR programs.
Pengelolaan Harta Masyarakat Kelas Menengah Daerah Nganjuk dengan Pendekatan Religiosity Financial Planning Muhammad Fatchullah El Islami; Mustofa
At-Taradhi Jurnal Studi Ekonomi Vol 14 No 2 (2023): At-Taradhi: Jurnal Studi Ekonomi
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/taradhi.v14i2.11523

Abstract

Islamic wealth management is often equated with property management in general. Of course, both have significant differences, such as the existence of boundaries following Islamic teachings. This study aims to describe the expenditure and distribution of assets for religious purposes as stated in Religiosity Financial Planning. This research focuses on the middle-class community of Ngronggot Nganjuk. This study used a descriptive-quantitative approach. Data was collected through questionnaire dissemination. The number of respondents to this study was 60. The results showed that the ngronggot nganjuk community, in planning property for religious purposes, had done well, such as in planning zakat, infaq, sadaqah, qurban, and hajj. It is just that the planning of waqf, hibahs, and umrah is still not planned by all respondents. These results interpret that the behaviour of the middle-class community of Ngronggot village is influenced by several aspects: attitudes, subjective norms, and behavioural control.
Pengukuran Kinerja Organisasi Pengelola Zakat Melalui Pendekatan Indonesia Zakat and Development Report (IZDR) dan Indeks Zakat Nasional (IZN) Rahmah, Ai Siti; Andriani, Andriani
At-Taradhi Jurnal Studi Ekonomi Vol 15 No 1 (2024): At-Taradhi: Jurnal Studi Ekonomi
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/taradhi.v15i1.10942

Abstract

One way to evaluate the performance of Zakat Institution is to use performance measurement instruments. Two measurement methods that can be used are Indonesia Zakat and Development Report (IZDR) and the National Zakat Index (IZN). This study aims to find out the performance of zakat management carried out by BAZNAS and LAZISMU of South Kalimantan Province using the IZDR and the IZN. This research utilized a descriptive qualitative method employing the IZDR-2011 as well as the IZN on institutional indicators as its assessment instrument. The findings indicate that the performance of the IZDR-2011 BAZNAS and LAZISMU South Kalimantan Province obtained a total variable value of 7.00 or AA-, and a total variable value of 5.75 or A-, respectively. Meanwhile, based on the IZN on institutional indicators, it can be concluded that the overall performance of BAZNAS and LAZISMU for South Kalimantan falls within the good category, although BAZNAS index for the South Kalimantan Province is superior with index values of 0.70 compared to 0.66 of LAZISMU of South Kalimantan. The main factor that might support BAZNAS in IZN indicator was that the IZN was established by PUSKAS BAZNAS which leads to the readiness of BAZNAS in implementing that indicator. Meanwhile, in the IZDR indicator, it was found that LAZISMU did not conduct a mustahik assistance program. In addition, it was indicated that BAZNAS held such a program which resulted in better performance of BAZNAS.   Pusat Riset dan Kajian BAZNAS menyatakan bahwa penghimpunan zakat di Indonesia dinilai masih belum ideal dimana potensi yang ada masih belum sesuai dengan nilai penghimpunan oleh Organisasi Pengelola Zakat (OPZ). Kondisi ini mungkin disebabkan oleh kurang baiknya kinerja OPZ di mata masyarakat. Salah satu cara untuk mengevaluasi kinerja OPZ adalah dengan menggunakan instrumen pengukuran kinerja. Terdapat dua metode pengukuran yang dapat digunakan yaitu Indonesia Zakat and Development Report (IZDR) dan Indeks Zakat Nasional (IZN). Kedua pengukuran kinerja tersebut dianggap setara karena terdapat indikator yang berfokus pada performa internal lembaga. Sehingga penelitian ini bertujuan untuk melihat kinerja pengelolaan zakat yang dilakukan oleh BAZNAS Provinsi Kalimantan Selatan dan LAZISMU Kalimantan Selatan melalui pendekatan Indonesia Zakat and Development Report (IZDR) dan Indeks Zakat Nasional (IZN) yang berfokus pada indikator kelembagaan. Metode penelitian kualitatif diskriptif digunakan dengan instrumen penilaian yang diambil dari pengukuran kinerja prima dalam IZDR-2011 serta pengukuran kinerja berdasarkan Indeks Zakat Nasional (IZN) pada indikator kelembagaan. Hasil penelitian menunjukkan bahwa kinerja IZDR-2011 BAZNAS Provinsi Kalimantan Selatan memperoleh nilai total variabel 7,00 atau AA-. Sementara itu, LAZISMU Kalimantan Selatan memperoleh nilai total variabel 5,75 atau A-. Sedangkan berdasarkan IZN pada indikator kelembagaan, secara keseluruhan kinerja BAZNAS Provinsi Kalimantan Selatan maupun LAZISMU Kalimantan Selatan sudah berada pada kategori baik meskipun jika dilihat berdasarkan nilai indeks, BAZNAS Provinsi Kalimantan Selatan masih lebih unggul dengan nilai indeks 0,70 dan 0,66 untuk LAZISMU Kalimantan Selatan.
Resource Optimization and Market Reach: The Right Marketing Strategy for Micro, Small, and Medium Entrepreneur in Madura Ramin, Moh.; Farhan, Moh.
At-Taradhi Jurnal Studi Ekonomi Vol 15 No 1 (2024): At-Taradhi: Jurnal Studi Ekonomi
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/taradhi.v15i1.12513

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in the global economy, yet often face challenges in optimizing resources and reaching a wide market. In this context, effective marketing strategies are key to enhancing the competitiveness and growth of MSMEs. This research will use a combined approach of qualitative and quantitative methods. For qualitative data collection, in-depth interviews will be conducted with MSME owners and relevant stakeholders, such as customers and suppliers. The interviews will aim to understand their perspectives on changing consumer preferences and effective marketing strategies. This study aims to summarize various marketing strategies that can assist MSMEs in optimizing resources and reaching a broader market. These strategies include market segmentation, market research, brand building, digital marketing, partnerships and collaborations, special offers, excellent customer service, and continuous evaluation and adaptation. By effectively implementing these marketing strategies, MSMEs can strengthen their position in the market, increase sales, and achieve sustainable growth. This research provides practical guidance for MSMEs to develop the right marketing strategies to address challenges and capitalize on opportunities in the dynamic business environment. Usaha Mikro, Kecil, dan Menengah (UMKM) memainkan peran penting dalam perekonomian global, namun sering kali dihadapkan pada tantangan dalam mengoptimalkan sumber daya dan mencapai jangkauan pasar yang luas. Dalam konteks ini, strategi pemasaran yang efektif menjadi kunci untuk meningkatkan daya saing dan pertumbuhan bisnis UMKM. Penelitian ini akan menggunakan pendekatan kombinasi antara metode kualitatif dan kuantitatif. Untuk pengumpulan data kualitatif, akan dilakukan wawancara mendalam dengan pemilik UMKM serta pemangku kepentingan terkait, seperti pelanggan dan pemasok. Wawancara akan dilakukan untuk memahami perspektif mereka tentang perubahan preferensi konsumen dan strategi pemasaran yang efektif. Penelitian ini bertujuan untuk merangkum berbagai strategi pemasaran yang dapat membantu UMKM dalam mengoptimalkan sumber daya dan mencapai jangkauan pasar yang lebih luas. Strategi-strategi tersebut meliputi segmentasi pasar, penelitian pasar, pembangunan merek yang kuat, pemasaran digital, kemitraan dan kolaborasi, penawaran khusus, pelayanan pelanggan yang unggul, serta evaluasi dan penyesuaian terus-menerus. Dengan menerapkan strategi pemasaran ini secara efektif, UMKM dapat memperkuat posisinya di pasar, meningkatkan penjualan, dan mencapai pertumbuhan yang berkelanjutan. Penelitian ini memberikan panduan praktis bagi UMKM untuk mengembangkan strategi pemasaran yang tepat guna menghadapi tantangan dan memanfaatkan peluang dalam lingkungan bisnis yang dinamis saat ini.