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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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PENGARUH PERSONAL SELLING, DIRECT SELLING DAN HUBUNGAN MASYARAKAT TERHADAP KEPUASAN NASABAH Studi Kasus pada BMT UGT Sidogiri KCP Kanigoro Blitar , Zuliatin
An-Nisbah: Jurnal Ekonomi Syariah Vol 3, No 1 (2016)
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2016.3.1.87-104

Abstract

The purpose of this study was to test there any infuence of personal selling, direct selling and public relations signifcantly to customer satisfaction in BMT UGT Sidogiri KCP Kanigoro Blitar. The results show that personal selling, direct selling and public relations together have a signifcant effect on customer satisfaction. count by using T test personal selling unknown variables have positive and signifcant impact on customer satisfaction with the Sig. 0,000. Variable direct selling has a positive impact and no signifcant effect on customer satisfaction in BMT UGT Sidogiri KCP Kanigoro Blitar with the Sig. 0.423 and variable public relations has a positive impact and no signifcant effect on customer satisfaction in BMT UGT Sidogiri KCP Kanigoro Blitar with the Sig. 0.247.Keywords : personal selling, direct selling, customer satisfaction
PENGARUH EKUIVALEN NISBAH BAGI HASIL TABUNGAN, NISBAH BAGI HASIL DEPOSITO DAN FREKUENSI PENCAIRAN PEMBIAYAAN MURABAHAH TERHADAP JUMLAH NASABAH BARU PADA BMT AS-SALAM KRAS KEDIRI Ulfa, Nur Aini
An-Nisbah: Jurnal Ekonomi Syariah Vol 3, No 1 (2016)
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2016.3.1.105-124

Abstract

The research aim is to investigate the equivalent effect of proft sharing ratio of savings, proft sharing ratio of deposits, and the frequency of murabaha fnancing disbursement to the addition of new customers in BMT As- Salam Kras Kediri. The analysis method of the research is multiple regression linier. The results of the research indicated that equivalent of proft sharing ratio of savings and equivalent of proft sharing ratio of deposits have positive effect but not signifcant on the addition of new customers. Frequency of murabaha fnancing disbursement has positive and signifcant effect on the addition of new customers. And together 3 variables above showed a signifcant effect on the addition of new customers in BMT As- Salam Kras Kediri.Keyword: equivalent of proft sharing ratio of savings, proft sharing ratio of deposits, frequency of murabaha fnancing disbursement
PENGARUH PENGAWASAN, EVALUASI DAN AUDIT KINERJA KARYAWAN TERHADAP LOYALITAS ANGGOTA BMT BERKAH TRENGGALEK Setyarini, Ika Wahyu
An-Nisbah: Jurnal Ekonomi Syariah Vol 3, No 1 (2016)
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2016.3.1.125-144

Abstract

This research aims is to know the infuence of employee monitoring, employee evaluation and performance audit against the loyalty of members. This research is at BMT Blessing Trenggalek. Samples taken in this study was 50 respondents. Sampling with probability techniques using random sampling. Measurements in this study using a Likert scale. Methods of data analysis used is multiple regression with the help of the program SPSS version 20.The results showed that monitoring employees against the loyalty of infuential members in a positive and not signifcant according to statistics on the BMT Berkah Trenggalek. Research results show that employee evaluation against the loyalty of infuential members are negative and not signifcant according to statistics on the BMT Berkah Trenggalek. Research results show that the performance audit of employees against the loyalty of infuential members in a positive and not signifcant according to statistics on BMT Berkah Trenggalek. In the same crucible of employee monitoring, employee evaluation and performance audit of the employees does not affect the loyalty of members. That means that together equal a third of these factors do not affect the loyalty of members on BMT Berkah Trenggalek. Keyword: Employee Monitoring, Employee Evaluations, performance.Audit and loyalty Members
ANALISIS KUALITAS PELAYANAN BANK TERHADAP KEPUASAN NASABAH PADA BANK MUAMALAT INDONESIA KANTOR CABANG PEMBANTU TULUNGAGUNG Febriana, Nina Indah
An-Nisbah: Jurnal Ekonomi Syariah Vol 3, No 1 (2016)
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2016.3.1.145-168

Abstract

Penelitian ini bertujuan untuk mengkaji pengaruh variabel kualitas pelayanan bank terhadap kepuasan nasabah. Penelitian dilakukan pada Bank Muamalat Indonesia kantor cabang pembantu Tulungagung. Metode dalam menilai kepuasan nasabah menggunakan analisis SERVQUAL atau analisis gap. Pengumpulan data pada penelitian ini menggunakan angket yang diberikan kepada 196 sampel dengan unit analisis menggunakan analisis regresi. Berdasarkan hasil analisis membuktikan bahwa secara simultan dimensi CARTER yang terdiri dari compliance, assurance, reliability, tangibles, empathy, dan responsiveness berpengaruh signifkan terhadap kepuasan nasabah. Analisis servqual menunjukkan bahwa dari keseluruhan instrumen dimensi CARTER terdapat kesenjangan atau gap antara harapan nasabah dengan kualitas pelayanan. Analisis diagram kartesius menunjukkan bahwa ada beberapa hal yang perlu diprioritaskan untuk diperbaiki oleh Bank Muamalat Indonesia KCP Tulungagung, antara lain adalah tentang: sistem tabungan, ketepatan waktu pelayanan seperti yang telah dijanjikan, ketersediaan ATM, Peralatan yang digunakan, hubungan antara pegawai dengan nasabah, perhatian personal bank kepada nasabah, dan respon customer service dalam menanggapi keluhan nasabah.Kata Kunci: Kualitas Pelayanan, Kepuasan Nasabah, Service Quality
ANALISIS PERBEDAAN RASIO KEUANGAN PT BANK MANDIRI TBK DAN PT BANK SYARIAH MANDIRI TBK PERIODE 2010-2014 Azizah, Nur
An-Nisbah: Jurnal Ekonomi Syariah Vol 3, No 1 (2016)
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2016.3.1.169-188

Abstract

The purpose of this study was to determine the Bank’s fnancial performance for the Islamic and Conventional Banks each fnancial ratio over a period of 5 years for the years 2010 to 2014. Financial ratios used in this study consisted of CAR, NPL, NIM, ROE, BOPO. As for the purpose of this study was to examine differences in fnancial ratios of PT Bank Mandiri Tbk and PT Bank Syariah Mandiri Tbk period 2010-2014. This study uses a quantitative approach to the type of comparative research. The data used in this research is time series data. Based on the criteria determined sample, the obtained two research groups are represented by the Islamic Bank PT Bank Syariah Mandiri Tbk and Bank Conventional represented by PT Bank Mandiri Tbk. The analytical tool used to prove the hypothesis in this study was independent sample t-test. The results of the study with the tools SPSS version 16.0 concluded that the average (mean) ratio of NIM and ROE PT Bank Syariah Mandiri Tbk better performance than PT Bank Mandiri Tbk, while the average yield (mean) CAR, NPL and BOPO PT Bank Mandiri Tbk showed better performance than PT Bank Syariah Mandiri Tbk. While the views of the results of hypothesis testing with different test (independent sample t-test) showed a signifcant difference in the CAR, NPL, ROE and BOPO. As for the ratio of NIM is not a signifcant difference.Keyword: CAR, NPL, NIM, ROE, BOPO
RESPON EMOSIONAL SEBAGAI MEDIASI PENGARUH VISUALISASI DESAIN KEMASAN TERHADAP KEPUTUSAN PEMBELIAN Studi Kasus Pada Pembeli Rokok Sampoerna A Mild di Warung Kopi Waris Tulungagung Shidiqy, Dhiyau
An-Nisbah: Jurnal Ekonomi Syariah Vol 3, No 1 (2016)
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2016.3.1.189-207

Abstract

The present study aims at determining the effect of packaging design visualization on customers’ purchasing decision by employing emotional response as mediator variable. The data were collected through questionnaires. Meanwhile, the population of the present study is the customers’ of Sampoerna A mild at Warung Kopi Waris Tulungagung and 110 customers were taken as sample. The sample measurement guideline employed is Maximum Likehood technique with simple random sampling technique. At the same time, the data analysis employed is structural equation modeling. The result of the study indicates packaging design visualization has negative and insignifcant effect on purchasing decision of Sampoerna A mild. Packaging design visualization of Sampoerna A Mild has positive and insignifcant effect on emotional response. Emotional response has positive and signifcant effect on purchasing decision of Sampoerna A mild. Emotional response does not mediate the effect of packaging design visualization of Sampoerna A Mild on customers’ purchasing decision.Key words: packaging design, emotional responses, purchasing
PEMBERDAYAAN EKONOMI BERBASIS MASJID(STUDI KRITIS PASAL 53, 54, DAN 55 PP. NOMOR14 TAHUN 2014 TENTANG PELAKSANAKAAN UU NOMOR 23 TAHUN 2011TENTANG PENGELOLAAN ZAKAT) Supriyadi, Ahmad
An-Nisbah: Jurnal Ekonomi Syariah Vol 3, No 2 (2017): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2017.3.2.210-229

Abstract

History records that, at the time of  the Prophet Muhammad mosque plays animportant role in the development of  Islam. At that time the mosque not onlyas media ubuddiyah course, it is more vital role in education and empowermentof  Muslims organized and set in the mosque. That is: education, propaganda,social and economic. Birth of  law No. 23 of  2011 on the management of zakat provide an opportunity for the mosque to be the center of  economic empowerment of  the people. With a collector of  Zakat Unit (UPZ) Amil Zakat Nasional (BAZNAS,) the mosque will become points zakat collection,donation and sedekahyang collected from the congregation of  the mosque. Of the funds collected is used by the Collector Unit Manager Zakat (UPZ) ortakmir mosque to empower and improve the welfare of  the people.Keywords: Based Economic Empowerment Masjid, Zakat ManagementSejarah mencatat bahwa, pada masa Nabi Muhammad SAW masjid memainkan peran penting dalam perkembangan Islam. Pada saat itu masjidtidak hanya sebagai saja media yang ubuddiyah, lebih dari itu peran yang lebih penting yaitu dalam pendidikan dan pemberdayaan umat Islam terorganisirdan diatur dalam masjid. Peran tersebut yaitu pendidikan, propaganda, sosialdan ekonomi. Munculnya UU No. 23 Tahun 2011 tentang pengelolaanzakat memberikan kesempatan bagi masjid menjadi pusat pemberdayaanekonomi rakyat. Melalui Unit Pengumpul Zakat (UPZ) Amil ZakatNasional (BAZNAS,) masjid akan menjadi tempat pengumpulan zakat,sumbangan dan sedekah yang dikumpulkan dari jemaat masjid. Dari danayang terkumpul digunakan oleh Unit Pengumpul Zakat (UPZ) atau takmirmasjid untuk memberdayakan dan meningkatkan kesejahteraan rakyat.
PENGARUH KUALITAS PORTOFOLIO PEMBIAYAAN TERHADAP PROFITABILITAS BANK MEGA SYARIAH Asiyah, Binti Nur
An-Nisbah: Jurnal Ekonomi Syariah Vol 3, No 2 (2017): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2017.3.2.231-254

Abstract

This research is motivated by the phenomenon of  Islamic financial institutionsthat have the goal of  profitability by emphasizing the quality of  the financingportfolio with emphasis on the prudence and avoid risk. Reality shows that themajority of  Islamic banks provide financing predominantly on the financingthat is certainty that the financing murabaha contract. Categories murabahafinancing provides better certainty of  payment and principal payments receivableagreed margin. The approach in this study using a quantitative approach to thetype of  associative research. Data analysis was performed using data normality test, test classic assumptions. Further analysis using multiple regression test, test hypotheses, and test the coefficient of  determination. The results showedthat 1) The quality of  current assets provide a significant and positive effecton α 5% on profitability 2) The quality of  productive assets in a particularconcern and significant negative effect on α 5% to profitability 3. The qualityof  earning assets less current effect negative but not significant at the 5% toprofitability α 4) quality of  productive assets undoubtedly have a positive effectbut not significant at α 5% to profitability 5) the quality of  earning assetsjammed a negative effect but not significant at α 5% to profitability.Penelitian ini dilatarbelakangi oleh fenomena lembaga keuangan syariah yangmemiliki tujuan profitabilitas dengan menekankan pada kualitas portofoliopembiayaan dengan menekankan pada aspek kehati-hatian dan menghindaririsiko yang dihadapi. Realitas menunjukkan bahwa mayoritas Perbankansyariah memberikan pembiayaan secara dominan pada pembiayaan yang bersifat certainty contract yakni pada pembiayaan murabahah. Kategori pembiayaan murabahah memberikan kepastian pembayaran baik pembayaranpokok piutang maupun margin yang telah disepakati. Pendekatan dalampenelitian ini menggunakan pendekatan kuantitatif  dengan jenis penelitianasosiatif. Analisis data dilakukan dengan menggunakan uji normalitas data,uji asumsi klasik. Selanjutnya dilakukan analisis dengan menggunakanuji regresi berganda, uji hipotesa, serta uji koefisien determinasi. Hasilpenelitian tersebut menunjukkan bahwa 1) Kualitas aktiva produktif  lancarmemberikan pengaruh positif  dan signifikan pada α 5% terhadap profitabilitas2) Kualitas aktiva produktif  dalam Perhatian khusus memberikan pengaruhnegatif  dan signifikan pada α 5% terhadap profitabilitas 3. Kualitas aktivaproduktif  kurang lancar memberikan pengaruh negatif  namun tidaksignifikan pada α 5% terhadap profitabilitas 4) Kualitas aktiva produktif diragukan memberikan pengaruh positif  namun tidak signifikan pada α5%  terhadap profitabilitas 5) Kualitas aktiva produktif  macet memberikanpengaruh negatif  namun tidak signifikan pada α 5%  terhadap profitabilitas.
ANALISIS AKAD IJARAH MUNTAHIYABITTAMLIK DALAM PERSPEKTIF HUKUM ISLAM DAN HUKUM POSITIF DI INDONESIA Munif, Nasrulloh Ali
An-Nisbah: Jurnal Ekonomi Syariah Vol 3, No 2 (2017): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2017.3.2.255-275

Abstract

The rapid development of  the Islamic banking industry requires experts of Islamic economics and Islamic banking industry players to be more innovative.One form of  action of  these challenges is the emergence of  a new contract is acontract agreement Ijarah Al muntahiya bit Tamlik (IMBT)/financial leasingwith purchase. This contract is a contract is a hybrid combination of  proprietarylease agreement at the end of  the lease (sale and purchase agreement). Thiscontract became the new breakthrough and provides much convenience forcustomers, but the existence of  the contract IMBT still doubted by many. In general, they questioned how the legal basis of  IMBT both Islamic law and positive law in Indonesia. In the perspective of  Islamic law IMBT said tohave met the principles, pillars and three terms of  the contract. Kontemporeeconomic thinkers such as Adimarwan, Al-Mujamma ‘al-Fiqhi, and classicaleconomic thinkers such as Hanabillah, Malikiyah, Shafi’ites and HanabalahIMBT contract states that the law is permissible (allowed). When viewedfrom the standpoint of  positive law in Indonesia contract IMBT includedin the agreement is not named (Article 1319) arising from the principle of freedom of  contract (Article 1338) and IMBT also meets the requirements of  a valid agreement (Article 1320) as well as elements agreement. The legal consequences arising from the contract agreement IMBT is their right andobligation for them to do so.Pesatnya perkembangan industri perbankan syariah mensyaratkan para ahliekonomi Islam dan pelaku industri perbankan syariah untuk lebih inovatif.Salah satu bentuk tindakan tantangan ini adalah munculnya kontrak baruyaitu perjanjian kontrak Ijarah Al Muntahiya Bit Tamlik (IMBT)/sewakeuangan dengan pembelian. Kontrak ini merupakan kontrak kombinasi(hibrida) dari perjanjian sewa milik pada akhir sewa (perjanjian jual beli).Kontrak ini menjadi terobosan baru dan memberikan banyak kemudahan bagipelanggan, tetapi keberadaan IMBT kontrak masih diragukan oleh banyakpihak. Pada umumnya, mereka mempertanyakan bagaimana dasar hukumIMBT baik hukum Islam dan hukum positif  di Indonesia. Dalam perspektif hukum Islam IMBT dikatakan telah memenuhi prinsip-prinsip, pilar dantiga syarat-syarat dalam kontrak. Para pemikir ekonomi Kontemporerseperti Adimarwan, Al-Mujamma al-Fiqhi, dan pemikir ekonomi klasikseperti Hanabillah, Malikiyah, Syafi’iyah dan kontrak Hanabalah IMBTmenyatakan bahwa hukum IMBT diperbolehkan. Bila dilihat dari sudutpandang hukum positif  di IMBT kontrak Indonesia termasuk dalamperjanjian tidak bernama (Pasal 1319) yang timbul dari prinsip kebebasanberkontrak (Pasal 1338) dan IMBT juga memenuhi persyaratan perjanjianyang sah (Pasal 1320) sebagai serta perjanjian elemen. Konsekuensi hukumyang timbul dari IMBT perjanjian kontrak adalah hak dan kewajiban mereka bagi mereka untuk melakukannya.
ARBITRASE DALAM SISTEM HUKUM DI INDONESIA Entriani, Anik
An-Nisbah: Jurnal Ekonomi Syariah Vol 3, No 2 (2017): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2017.3.2.277-293

Abstract

In Indonesia, according to the party dispute resolution process there are severalways that usually can be selected, such as: through litigation track procedure(court) or through non-line litigation (mediation, conciliation, negoisation,consulting, valuation experts, and arbitration). In connection with thearbitration or the arbitration institution, in fact it already exists and has beenpracticed for centuries. In this country, the arbitration also has been knownas one of  the alternative dispute resolution through non-litigation public.Arbitration clauses are created from those taken in the contract which theyhave agreed. Accordingly, the parties involved in the contract points can besolved by using the method of  dispute. Therefore, this article will discuss theappropriate choices regarding the settlement of  disputes through arbitrationin law / legal system in Indonesia.Di Indonesia menurut proses penyelesaian sengketa para pihak ada beberapacara yang biasanya bisa dipilih seperti: melalui prosedur jalur litigasi (pengadilan) atau melalui non-line litigasi (mediasi, konsiliasi, negoisation, konsultasi, valuasi ahli, dan arbitrase). Berkaitan dengan arbitrase atauarbitrase lembaga, sebenarnya itu sudah ada dan telah dipraktikkan selamaberabad-abad. Di negeri ini, arbitrase juga telah sudah dikenal sebagai salah satu alternatif  penyelesaian sengketa publik melalui non-litigasi. Arbitrasediciptakan dari klausul yang mereka diambil dalam kontrak yang merekasudah setuju. Dengan demikian, pihak-pihak yang terlibat dalam poinkontrak dapat diselesaikan dengan menggunakan metode sengketa. Olehkarena itu, artikel ini akan membahas sesuai pilihan mengenai penyelesaiansengketa melalui arbitrase dalam hukum/sistem hukum di Indonesia.

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