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INDONESIA
Jurnal Ekonomi Syariah Teori dan Terapan
Published by Universitas Airlangga
ISSN : 24071935     EISSN : 25021508     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Ekonomi Syariah Teori dan Terapan (JESTT) accepts original manuscripts in the field of Islamics Economics, including research reports, case reports, application of theory, critical studies and literature reviews.
Arjuna Subject : -
Articles 5 Documents
 1 
Search results for , issue " Vol 1, No 2 (2014): Februari-2014" : 5 Documents clear
Proses Pengambilan Keputusan Nasabah Bank Syariah Dalam Memilih Produk Pembiayaan Kepemilikian Rumah (Studi Kasus Nasabah Bank Muammalat KCI Darmo Surabaya) Putra, Bima Kurnia; Hasib, Fatin Fadhilah
Jurnal Ekonomi Syariah Teori dan Terapan Vol 1, No 2 (2014): Februari-2014
Publisher : Jurnal Ekonomi Syariah Teori dan Terapan

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Abstract

The purpose of this research is to find out the decision making process of the customer of Muamalat Bank in choosing mortgage product. The process comprises problem recognition, information search, evaluation of alternatives, product choice, and the outcomes.A qualitative approach is applied in this research with the descriptive case study method. The collection of data uses purposive sampling to determine the key informant and uses snowballing sampling to determine the informants. The key informant in this research is an employee of Muamalat Bank. Meanwhile the infomants consist of four customers of Muamalat Bank. Two of them take murabahah contract and the rest takes musyarakah mutanaqisah contract. The collection of data is conducted through several steps including comprehensive exploration, focus exploration, and confirmation step. The data analysis in this research uses domain, taxonomic and componential analysis.The result of this research shows that both the murabahah and musyarakah mutanaqisah customers had already passed through five steps in decision making process comprises problem recognition, information search, evaluation of alternatives, product choice, and outcomes. The difference between two of them is revealed in the problem recognition and the product choice. The customer choose the mortgage contract based on some features.
Pengaruh Pengetahuan Produk Terhadap Keputusan Menjadi Donatur Baitul Maal Hidayatullah Cabang Kediri Syafitri, Dita Permata; Shofawati, Atina
Jurnal Ekonomi Syariah Teori dan Terapan Vol 1, No 2 (2014): Februari-2014
Publisher : Jurnal Ekonomi Syariah Teori dan Terapan

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Abstract

This research aims to discover the influences of product knowledge including product knowledge product knowledge as bundle of attributes, product knowledge as bundle of benefits, and product knowledge as value satisfiers towards the decision of being donors in Baitul Mall Hidayatullah Branch Kediri, especially in the middle of development of Intitution of Alms Amil (Amil Zakat) in Indonesia.This research uses quantitave descriptive approach. The sampling technique used in this research is probability sampling, i.e. a sampling technique which provides equal opportunity to each member of the population to be selected as sample members. The sampling is conducted by using simple random sampling. The number of samples in this research is 75 people. The technique analysis which is used is analysis of multiple linear regressions.The results of the research show that there is similarity of regression Y = 0,409 + 0,473 X1 + 0,194 X2 + 0,214 X3. Product knowledge has simultaneously influenced the decision of being donors in Baitul Mall Hidayatullah Branch Kediri with R Square 0, 594. Product knowledge including product knowledge as bundle of attributes, product knowledge as bundle of benefits, and product knowledge as value satisfiers has partially influenced the decision of being donors. The variable of product knowledge as bundle of attributes appears to be dominant in influencing the decision of being donors.Baitul Mall Hidayatullah Branch Kediri is suggested to improve the content of its bulletin. The bulletin distributed to prospective donors or donors should contain more complete, informative, and educative information since it plays quite important roles. The government is also expected to support the program of alms (zakat) centralization to be used as social importance and to reduce the poverty in Indonesia, instead of being in debt.
Pengaruh Kecukupan Modal, Fungsi Intermediasi, Pembiayaan Bermasalah, dan Biaya Operasional Terhadap Profitabilitas Indusstri Bank Syariah Periode Januari 2010-Desember 2012 Maharanie, Mega Ayu; Herianingrum, Sri
Jurnal Ekonomi Syariah Teori dan Terapan Vol 1, No 2 (2014): Februari-2014
Publisher : Jurnal Ekonomi Syariah Teori dan Terapan

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Abstract

The objectives of this research to analyze the influence of capital adequacy as measured by Capital Adequacy Ratio (CAR), intermediary functions as measured by Non Performing Financing (NPF), financial problems as measured by Financing to Deposit Ratio (FDR), and operational cost as measured by BOPO to profitability as measured by Return On Asset (ROA) of Islamic Banking Industry in the period of 2010-2012. The population used for the study is Islamic banks whose financial statements have been published to Bank Indonesia from 2010-2012. The sampling techniques is cencus sampling, so the sample in this study is every unit in a population. The data of this study used secondary data from the website of Bank Indonesia. The method of data analysis which was used is multiple linier regression analysis.From the result of analyse indicate that CAR, NPF, and BOPO variables has significantly affcet in partial toward ROA at level of significant less than 0,05, but only FDR variable has no significantly affect to the ROA. While, CAR, FDR, NPF, and BOPO variables in simultan has no affect to the ROA with a significance level of 0,000.
Kemampuan Unit Usaha Yayasan Nurul Hayat Dalam Menunjang Biaya Operasioanal Lembaga Amil Zakat Nastiti, Novalia; Mawardi, Imron
Jurnal Ekonomi Syariah Teori dan Terapan Vol 1, No 2 (2014): Februari-2014
Publisher : Jurnal Ekonomi Syariah Teori dan Terapan

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Abstract

Amil zaka in zaka institutions has the right as one of eight ashnaf. Their rights are usually used by zaka institutions as operational cost. However, not all of the intitutions which manage zaka take amil’s right, one of them is Yayasan Nurul Hayat. This institution does not take amil’s right and it is independent in its operational cost. To support this operational cost, Yayasan Nurul Hayat establish business unit with utilize its profit.This study aimed to discover the capability of business unit in supporting operational cost of Yayasan Nurul Hayat. This study used a qualitative approach with descriptive case study method. The selections of informant are using purposive sampling method. Data collection was conducted by semi-structured interviews and documentation. This data is analyzed using descriptive method.The result of this study shows that Yayasan Nurul Hayat Employments’ Salary is taken from business unit’s profit. It is also used to give bonus for employments and grow the business unit of Yayasan Nurul Hayat up. From the result of this study, it can be concluded that the business unit which is developed has great capability to support operational cost of Yayasan Nurul Hayat.
Efektivitas Target Pembiayaan Baitul Maal Wa Tamwil Surya Gemilang Desa Sedayulawas Kecamatan Brondong Kabupaten Lamongan Hamid, Abdul Muiz; Herianingrum, Sri
Jurnal Ekonomi Syariah Teori dan Terapan Vol 1, No 2 (2014): Februari-2014
Publisher : Jurnal Ekonomi Syariah Teori dan Terapan

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Abstract

This study aims to determine the effectiveness of targeted financing in BMT Surya Gemilang village Sedayulawas Brondong distridt of Lamongan through the financing to its customers and financial report statements, as well as the customers’ trust in taking capital.This study used a qualitative approach and descriptive case study. To collect the data, this study uses purposive sampling and snowball technique. The results of this study show that the effectiveness of targeted financing is annually achieved as planned by BMT Surya Gemilang. This is reflected in the provision of financing to customers and the financial reports which always reach the target as well as the smooth repayment of loans by customers.

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