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An-Nisbah: Jurnal Ekonomi Syariah
Published by Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung
ISSN : 25495712     EISSN : 24068276     DOI : 10.21274
Core Subject : Economy, Social,
Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice
Arjuna Subject : -
Articles 321 Documents
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Marketing Syariah: Studi Analisis Produk Kenzie di Gudo Jombang Kalimah, Siti
An-Nisbah: Jurnal Ekonomi Syariah Vol 4, No 2 (2018): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2018.4.2.1-29

Abstract

Abstract: This research is based on the rise of businessmen who are just looking for profit, and also the phenomenon that occurs based on the reality of the current trend, many businesses that use sharia or religion as a booster of material gain, or politicization. But it is different with the business that is doing by manufacturers from Jombang, creating something simple to be extraordinary, bringing benefits and even blessings. Positive small things and done according to the demands of sharia bring benefits and blessings. There are some purpose of this study,the first is  to understand sharia marketing, secondly, to analyze the implementation of sharia marketing on the business of The otak- otak of Kenzis. This research was conducted to business owners of the otak- otak kenzie  in Blimbing Village, Gudo Jombang, employees and customers or the community. The process of collecting data by interview method, observation and documentation. Using qualitative descriptive analysis is to describe the results of interviews of respondents, then analyze it with the theory. The results of this research is to show that the business owner of the kenzie product implicitly understands and implements the syariah values ​​in its business activities. Sharia implementation is reflected on shariah marketing strategy, which is the segmentation of the public market and target market of upper middle economic society and to atrack  the hearts of its consumers with friendly and honest service. In the case of shariah marketing tactic, including are halal products, standard price according to sharia, which is related to the location of businesssworth according to syaraiah. In sharia marketing value, there are some value,that can given some benefits for consumers including: healthy, halal elements and  well in accordance with the Quran that ordered humans to eat clean food, take a holy and healthy way. From the shariah spiritual image related to the principle of honesty of hospitality that must be owned by a businessman,he  feels that Allahis always watching everywhere, so both the value of sharia and the principles of sharia is very important and useful in the business world. And from the existing phenomenon Sharia-labeled marketing is not Islamization or religious commercialism, but it is a way asameans in offering products produced in a business, the impact of the economy of a society will also increase, religion is not used as demolisher of the economy, to seek material , but sharia or religionas measureand also as a rule that underlies human behavior. Religion and economics can not be compared, but go hand. Religion is notto be traded in economic interests, but the advanced of the economy is due to the religious rules. Key word: marketing, sharia marketing, analyze of business product
PENGARUH FINANCING TO DEPOSIT RATIO DAN DANA PIHAK KETIGA TERHADAP RETURN ON ASSET PADA PT. BANK RAKYAT INDONESIA SYARIAH YANG TERDAFTAR DI BEI PERIODE TAHUN 2012 – 2016 Jatmiko, Udik Udik
An-Nisbah: Jurnal Ekonomi Syariah Vol 4, No 2 (2018): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2018.4.2.99-126

Abstract

Ruang lingkup penelitian ini menitik beratkan pada pengaruh variabel bebas yaitu rasio FDR, Dana Pihak Ketiga dengan variabel terikat yaitu Profitabilitas ROA, maka penelitian yang digunakan termasuk penelitian dengan explanation (penjelasan). Populasi ddan sampel dalam penelitian ini adalah laporan keuangan PT. Bank Rakyat Indonesia (BRI) Syariah periode 2012-2016 sebanyak 30 pengamatan data selama 5 tahun pelaporan di BEI. Teknik sampling dalam penelitian ini menggunakan sampling purposive. Analisa Data menggunakan analisis deskriptif kuantitatif dengan pendekatan statistik melalui uji regresi linear berganda, Uji T dan Uji hipotesis F penelitian. Hasil penelitian dapat dijelaskan bahwa Financing to Deposit ratio (FDR) secara parsial tidak berpengarruh signifikan terhadap Return On Asset (ROA) di PT. Bank Rakyat Indonesia Syariah Periode 2012-2016. Rasio dana pihak ketiga berpengaruh positif dan signifikan terhadap Return On Asset (ROA) di PT. Bank Rakyat Indonesia Syariah Periode 2012-2016. Secara simultan Financing to Deposit ratio (FDR) dan Rasio dana pihak ketiga memiliki pengaruh yang benar-benar signifikan terhadap Return On Aset pada PT. Bank Rakyat Indonesia Syariah Periode 2012-2016.
PENGARUH SHARIA MARKETING MIX TERHADAP KEPERCAYAAN PELANGGAN DAN KEPUTUSAN PEMBELIAN PADA ONLINE SHOP TIWS.ID Anah, Isti
An-Nisbah: Jurnal Ekonomi Syariah Vol 5, No 1 (2018): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2018.5.1.276-296

Abstract

Abstract. Online shop development or online shop through social media has already existed in Indonesia, moreever it is being really potential things and give is easier to  seller and buyer even online shop is being more popular than before and it causes the competition highly (begin), but beside that, the facility has been making the shop site badly or it has been making deception site by anyone who didn’t responsibly. Therefore, the facility has to influence on directness of online shop and trusting costumer then purchase decision. So, it needs inapplying the strateghy for  making /getting customer’s trusting and the costumer decide to do purchas. One of its is sharia marketing mix 9P (product, price, place, promotion, peolpe, physical evidance, process, promise, and patience). Based on reason, the research is to investigate the effect of sharia marketing mix to customer’s trusting and purchase decision on online shop Tiws.id. quantitative method is used in conducting the research. To collect the data, questionaire, technique are used to conduct the research meanwhile, analysis regresi linier with SPSS 16’s program are used in analyzig the data. The data analysis showed that the strateghy sharia marketing mix to Tiws.id online shop has an alternative hypotesis to customer’s trusting and purchase decision. It means that,in applying sharia marketing mix better,it make customer trusting ang purchase decision to Tiws.id online shop as good as possible. Keywords: Sharia Marketing Mix, Customer Trusting, Purchase Decision and Online Shop
Pengaruh etika kerja islam terhadap kepuasan kerja dan komitmen organisasional (studi kasus cv kencana jaya teknik bogor) Rizki, Anisa
An-Nisbah: Jurnal Ekonomi Syariah Vol 5, No 1 (2018): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2018.5.1.297-316

Abstract

This research explains the influence of Islamic work ethic toward satisfied occupation and organization commitment in CV Kencana Jaya Teknik Bogor. This research use quantitative method which take all of populations as a sample. Technique sample of this research use saturated sample which involve all Muslim employees as many 15 persons. Data collection technique use questionnaire has given as many 15 respondent persons. Data analysis technique in this research is simple regression analysis by t-test (partial) aid by SPSS application 16.0 version. Based on the result of the trial has done, that Islamic work ethic variable give positive influence significantly toward satisfied occupation and organizational commitment because the t- count higher than t- table, that is t- count for satisfied occupation  has 4,113 < 2,160 (t table) and t- count for organizational commitment has 3,289 > 2,160 (t table) it means Islamic work ethic variable is significant partially with Islamic work ethic toward satisfied occupation and organizational commitment. Validity of that consideration supported by sig column in Islamic work ethic variable toward satisfied occupation has score 0,001 < 0,05 and Islamic work ethic toward  organizational commitment has score 0,006 < 0,05. It shows that Islamic work ethic partially give influence for satisfied occupation and organizational commitment as significant.
ANALISIS KUALITAS PELAYANAN TERHADAP KEPUASAN NASABAH MENGGUNAKAN MODEL CARTER DI BPRS AMANAH UMMAH LEUWILIANG BOGOR Aldila, Siti Amelia; Ibdalsyah, H
An-Nisbah: Jurnal Ekonomi Syariah Vol 4, No 2 (2018): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2018.4.2.53-72

Abstract

Abstract: The purpose of this study is to determine the effect of frontliner service quality on satisfaction in BPRS Amanah Ummah Leuwiliang Bogor. Measurement of service quality is done by adaptation of CARTER model. CARTER is a model based on the SERVQUAL dimension, with a new dimension called Compliance (Compliance) that is suitable for sharia banking industry. CARTER consists of Compliance, Assurane, Reliability, Tangible, Empathy, and Responsiveness. This study uses a quantitative approach by distributing questionnaires to 100 customers. To analyze and test the hypothesis using multiple linear regression test with the help of SPSS 23.0 for window software. Based on the result of T test (partial), the dimension of Compliance, Reliability and Tangible influential significantly to customer satisfaction. Dimensions of Assurance, Empathy and Responsiveness have no significant effect on customer satisfaction in BPRS Amanah Ummah Leuwiliang Bogor Abstrak : Tujuan dari penelitian ini adalah untuk mengetahui pengaruh kualitas pelayanan frontliner terhadap kepuasan di BPRS Amanah Ummah Leuwiliang Bogor. Pengukuran kualitas pelayanan dilakukan dengan adaptasi model CARTER. CARTER adalah model yang didasarkan pada dimensi SERVQUAL, dengan dimensi baru yang disebut Compliance (Kepatuhan terhadap syariat Islam) yang sesuai untuk industri perbankan syariah. CARTER terdiri dari Compliance, Assurane, Reliability, Tangible, Empathy, dan Responsiveness. Penelitian ini menggunakan pendekatan kuantitatif dengan menyebarkan kuesioner kepada 100 nasabah. Untuk analisis dan uji hipotesis menggunakan uji regresi linear berganda dengan bantuan software SPSS 23.0 for window. Berdasarkan hasil uji T (parsial), dimensi Compliance, Reliability dan Tangible yang berpengaruh secara signifikan terhadap kepuasan nasabah. Dimensi Assurance, Empathy dan Responsiveness tidak berpengaruh secara signifikan terhadap kepuasan nasabah di BPRS Amanah Ummah Leuwiliang Bogor.
PENGARUH ETIKA BISNIS ISLAM DAN KUALITAS PELAYANAN TERHADAP KEPUASAN PELANGGAN DAN LOYALITAS PELANGGAN PADA BANK TABUNGAN NEGARA (BTN) SYARIAH CABANG BOGOR Huzaimah, Huzaimah
An-Nisbah: Jurnal Ekonomi Syariah Vol 5, No 1 (2018): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2018.5.1.

Abstract

Abstrak: Perkembangan perbankan syariah saat ini masih belum memuaskan jika dibandingkan dengan perkembangan perbankan konvensional. Pertumbuhan pangsa pasar perbankan syariah yang relatif rendah disebabkan oleh rendahnya tingkat kepuasan serta loyalitas pelanggan untuk perbankan syariah. Penelitian ini bertujuan untuk mengetahui pengaruh etika bisnis Islam dan kualitas pelayanan terhadap kepuasan dan loyalitas pelanggan Bank BTN Syariah Cabang Bogor. Dalam penelitian ini, data diperoleh dari penyebaran kuesioner terhadap 100 nasabah Bank BTN Syariah Cabang Bogor, yang diperoleh menggunakan simple random sampling, kemudian dilakukan analisis dengan menggunakan analisis data kuantitatif. Analisis kuantitatif meliputi uji validitas, uji reliabilitas, uji asumsi klasik, analisis jalur (path analysis), pengujian hipotesis melalui uji t dan koefisien determinasi (R2) sedangkan pengolahan datanya menggunakan SPSS 23.0 for windows. Dari hasil pengolahan data penelitian diperoleh 2 hasil nilai R square, pertama diperoleh sebesar 0,245 menunjukkan tingkat kepuasan pelanggan atau nasabah BTN Syariah Cabang Bogor 24,5% dipengaruh oleh implentasi etika bisnis Islam dan kualitas pelayanan yang dilaksanakan oleh lembaga, adapun sisanya sebesar 75,5% dipengaruhi oleh variabel lain yang tidak masuk dalam penelitian ini. Nilai R square kedua diperoleh sebesar 0,438 menunjukkan tingkat loyalitas pelanggan atau nasabah BTN Syariah Cabang Bogor 43,8% dipengaruh oleh implentasi etika bisnis Islam dan kualitas pelayanan yang dilaksanakan oleh lembaga, adapun sisanya sebesar 56,2% dipengaruhi oleh variabel lain yang tidak masuk dalam penelitian ini. Hasil penelitian menunjukkan bahwa secara parsial variabel etika bisnis Islam memiliki pengaruh yang positif tidak signifikan terhadap loyalitas pelanggan dengan t hitung 0,469 dengan tingkat signifikansi 0,64 di atas 0,05. Variabel kualitas pelayanan memiliki pengaruh yang positif dan signifikan terhadap loyalitas pelanggan dengan t hitung 4,512 dengan tingkat signifikansi 0,00 di bawah 0,05. Sedangkan variabel etika bisnis Islam memiliki pengaruh yang positif dan signifikan terhadap loyalitas pelanggan dengan t hitung 4,104 dengan tingkat signifikansi 0,00 di bawah 0,05. Variabel kualitas pelayanan memiliki pengaruh yang positif dan signifikan terhadap loyalitas pelanggan dengan t hitung 5,218 dengan tingkat signifikansi 0,00 di bawah 0,05. Variabel kepuasan pelanggan memiliki pengaruh yang positif dan signifikan terhadap loyalitas pelanggan dengan t hitung 3,542 dengan tingkat signifikansi 0,01 di bawah 0,05. Kata Kunci: Etika bisnis Islam, kualitas pelayanan, kepuasan dan loyalitas pelanggan
Pengaruh Motivasi Kerja dan Disiplin Kerja Islam terhadap Produktivitas Kerja Karyawan Hamidah, Winda
An-Nisbah: Jurnal Ekonomi Syariah Vol 5, No 1 (2018): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2018.5.1.

Abstract

Abstract: Every bank must be want every employees having optimal work productivity, because it will determined success or not the bank in the future. But the problems that emerged related work productivity employees at BPRS Amanah Ummah Leuwiliang Bogor is there is a lack of leader to Motivate the employees performance and level of Discipline the Islamic work is still low. Meanwhile, those factors is affect the work productivity employees. With that background, the writers research on the impact of Motivation Work employees and Discipline Islamic work against the Work Productivity employees (Study Cases at BPRS Amanah Ummah Leuwiliang Bogor). This study attempts to know how much Work Motivational influence and Islamic Discipline Work against employees Work Productivity at BPRS Amanah Ummah Leuwiliang Bogor. This research used a quantitative approach by spreading questionnaire to several employees BPRS Amanah Ummah Leuwiliang Bogor that as many as 40 employees. For analysis and the hypothesis use the multiple linear regression with software SPSS 23.0 for window. Based on T test results (partial regression coefficient test), that the variabel of Islamic Work Discipline have a significant positive affect on employee Work Productivity with significant value 0,00, meaning 0,00 < 0,05, thus giving the decision to reject Ho, from 40 samples analyzed  there is evidence that Work Productivity variable influenced significantly by variable of Islamic Work Discipline. Keywords: Work Motivation,Work Discipline and Work Productivity.  
ANALISIS KESESUAIAN SYARIAH PADA AKAD IJARAH MULTIJASA DI PERBANKAN SYARIAH (STUDI KASUS BPRS AMANAH UMMAH LEUWILIANG) Nurfahmi, Rizka Ilhami; Kosim, Ahmad Mulyadi; Gustiawati, Syarifah
An-Nisbah: Jurnal Ekonomi Syariah Vol 5, No 1 (2018): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2018.5.1.

Abstract

BPRS amanah ummah mengeluarkan produk pembiayaan ijarah multijasa untuk memberikan solusi dalam memenuhi kebutuhan konsumtif masyarakat yang semakin bervariatif. produk pembiayaan ijarah multijasa adalah Pembiayaan yang diberikan bank kepada nasabah untuk memperoleh manfaat atas suatu jasa, dalam hal ini bank berhak mendapatkan ujrah/fee. Aplikasi pembiayaan multijasa yang ada dibprs amanah ummah menggunakan akad ijarah dan ujrah/fee disepakati diawal lalu dinyatakan dalam bentuk nominal bukan dalam bentuk prosentase sesuai dengan fatwa No.44/DSN-MUI/V/II/2004. produk pembiayaan multijasa pada aplikasinya nasabah tidak menerima uang tunai karena dari pihak bank sendiri yang akan langsung membayarkan sejumlah dana yang sudah disepakati dengan nasabah kepada pihak penyedia jasa yaitu lembaga pendidikan, rumah sakit atau travel hal ini sesuai dengan ketentuan ynag ada pada pembiayaan ijarah multijasa. produk Pembiayaan multijasa yang ada di BPRS amanah umah terdiri dari 3 produk yaitu produk pelayanan jasa untuk pendidikan, pelayanan jasa kesehatan, dan pelayanan jasa untuk umrah. Dengan menggunakan metode deskriptif kualitatif, penulis mencoba untuk menganalisa kesesuaian syariah pada aplikasi akad ijarah multijasa di perbankan syariah. dengan adanya penelitian tersebut diharapkan dapat menjadi acuan bank dalam mempertahankan agar aplikasi produk yang ada sudah sesuai dengan syariah terutama pada produk pembiayaan ijarah multijasa.
EFEKTIFITAS PELAKSANAAN RESCHEDULING DALAM PENANGANAN PEMBIAYAAN MURABAHAH BERMASALAH DI BTN SYARI’AH KANTOR CABANG BOGOR Herdiana, Mia
An-Nisbah: Jurnal Ekonomi Syariah Vol 5, No 1 (2018): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2018.5.1.

Abstract

Abstract. Rescheduling of murabahah bill on islamic (sharia) bank allegedly making additions to the amount of remaining bills whose purpose is not clear and belongs to the category of usury. Rescheduling is a rescue action that undertaken by bnks to overcome the risk of problem financing. This study airms to determine the effectiveness of rescheduling implementation which is conducted by BTN Sharia Bogor brach office in handling the problematicfinancing. Especially in murabahah financing, either at the stage of analysis of prospetive brrowers before applying for financing, at the time of problem financing happens, and handling financing problems with restructuring-in this case is rescheduling. Method used in this research is a qualitative method with a descripsion analysis as an approach. Literatur review, observation, and interview are used as a way of data collecting. The result of this research shows that first, the rescheduling of murabahah bill of BTN ShariaBogor Branch Office represents the creation of new contract of rescheduling clled adendum akad, while the old contract was no longer valid. Secondly, the BTN Sharia Bogor Branch Office imposes on retardation (ta’zir) and compensation costs (ta’widh).
Pengaruh Strategi Promosi KPR Syariah terhadap Tingkat Kesadaran dan Minat Masyarakat dalam Memiliki Rumah (studi kasus BTN Syariah Cabang Bogor) solihah, siti alis; Hakiem, Hilman; Kosim, Ahmad Mulyadi
An-Nisbah: Jurnal Ekonomi Syariah Vol 5, No 1 (2018): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2018.5.1.

Abstract

Based on the results of national records of sharia mortgage finance is still less exist than the conventional bank mortgage system. Some of the factors that trigger such problems include the lack of public awareness of the values ​​of sharia that the activities of usury in conventional banking practices is haram, the lack of public knowledge about the difference between the system and the principles of conventional banks and Islamic, public opinion that kpr with syariah system is more expensive than conventional kpr, without knowing the advantages of kpr syariah system. Therefore it is necessary for the delivery of information and education from Islamic banking that can be done through a promotional strategy. Based on the above reasons, this study aims to find out how the influence of promotional strategies on the publics perspective regarding the product kpr in Islamic banking, as well as the effect on the interest of the community in choosing the product of sharia kpr by using murabahah scheme. The type of research used is quantitative research with simple regression model through mediation variables. Mediation variable analysis technique using Causal Step (Baron and Kenny) and Product of Coefficient (Sobel Test) method. The result of this research is promotion strategy influence to interest with value a ≠ 0 at 95% confidence level. The level of public awareness significantly affects interest with the value of b = 0.774 at sig = 0,000. Public awareness mediate partially influence of promotion strategy to interest with marked decrease of c value, that is from c = 0,534 become c = 0,222 or c> c and result of calculation of z value count get value 1,686 bigger than z table (df = N- 2) with a significance level of 0.05 that is equal to 0.999

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