JOURNAL OF ISLAMIC BANKING, 2723-7885 ( Online), 2723-7907 ( Print ), is a periodical scientific journal managed and published by Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban; and in collaboration with Asosiasi Program Studi Keuangan dan Perbankan Syariah. This journal specializes in the study of Islamic banking. The manager welcomes contributions in the form of articles from scientists, scholars, professionals and researchers related to Islamic banking studies. The article will be published after going through the mechanism of selection of the manuscript, review of free partners, and editing process. All articles published are the views and are the responsibility of the author and do not represent this journal or the author's affiliated body. The Journal of Islamic Banking is published twice a year in June and December
Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia
PENERAPAN AKAD RAHN TASJILY SEBAGI ALTERNATIF PEMBIAYAAN PADA PRODUK BAROKAH UMKM
In carrying out their activities, UMKM have many obstacles in accessing financing due to a lack of funding. BMT NU Singgahan Bangilan Branch offers a solution to these problems using the Rahn contract, but in its implementation there are problems related to customer negligence in fulfilling its obligations. This study aims to analyze the application of the rahn tasjily contract as an alternative to financing. This research uses a qualitative approach with a case study at BMT NU Singgahan Bangilan Branch. Data was collected through in-depth interviews with management and customers, participatory observations, and document analysis. The HSIL of this project is the application of the rahn tasjily contract on MSME barokah products that have succeeded in minimizing financing risks for BMT and providing easy access for MSME actors to get business capital without losing their assets. Customers are more responsible in paying off financing because the collateral remains in the control of BMT. Kywords: akad rahn tasjiliy, barokah products of UMKM
akad rahn tasjiliy, barokah products of UMKM
Copyright (c) 2026 Journal of Islamic Banking
Eksistensi bank islam malaysia (BIMB) Analisis Sejarah, Manajemen Operasional, Inovasi Produk dan Tantangan dalam Sistem Keuangan Global
Perkembangan cepat industri keuangan syariah di dunia membuat para akademisi khawatir tentang seberapa jauh bank Islam bisa tetap bertahan di tengah dominasi sistem keuangan biasa yang semakin rumit. Bank Islam Malaysia Berhad (BIMB), sebagai bank Islam pertama di Malaysia, menjadi contoh penting untuk memahami bagaimana lembaga keuangan syariah bisa bertahan, beradaptasi, dan berkembang sejak didirikan. Penelitian ini bertujuan menganalisis keberlanjutan BIMB melalui sudut pandang sejarah pendirian, cara kerjanya, inovasi produk, dan tantangan yang dihadapinya dalam sistem keuangan global. Cara penelitian yang digunakan adalah pendekatan kualitatif dengan metode deskriptif-analitis, melalui studi literatur dari laporan tahunan, regulasi perbankan syariah Malaysia, serta karya akademik yang relevan. Hasil penelitian menunjukkan bahwa BIMB memiliki dasar historis yang kuat, didukung oleh sistem manajemen syariah yang terpadu dengan metode manajemen risiko modern, serta kemampuan inovatif dalam pengembangan produk dan layanan digital berdasarkan prinsip syariah. Akan tetapi, BIMB juga menghadapi tantangan berat seperti perbedaan standar syariah antarnegara, keterbatasan instrumen likuid syariah, dan persaingan yang semakin ketat secara global. Kesimpulannya, BIMB masih relevan dan bisa bertahan selama mampu menjaga keseimbangan antara kepatuhan terhadap prinsip syariah, operasional yang efisien, dan inovasi strategis untuk menghadapi perubahan di sistem keuangan dunia.
Malaysia Islamic Bank, Shariah Banking, Product Innovation, Global Finance
Pengaruh Motivasi Dan Religiusitas Terhadap Kinerja Karyawan Pada Unit Usaha Syariah Bank 9 Jambi Kota Jambi
This study aims to analyze the impact of motivation and religiosity on employee performance at the Unit Usaha Syariah Bank 9 Jambi. This research employs a quantitative approach with a survey method. Data was collected using a questionnaire distributed to 34 employees of the bank, measured using a Likert scale. The data analysis technique used is multiple linear regression. The results show that motivation has a significant positive effect on employee performance, with a regression coefficient of 0.364 and a significance level of 0.000. Similarly, religiosity has a significant positive effect on employee performance, with a regression coefficient of 0.481 and a significance level of 0.002. Simultaneously, both motivation and religiosity have a significant effect on employee performance, with an F-value of 18.431 (p < 0.05). These findings suggest that both motivation and religiosity play a crucial role in enhancing employee performance in the Islamic banking sector. It is recommended that Unit Usaha Syariah Bank 9 Jambi continue to consider motivation and religiosity in its managerial policies to improve employee performance. This research also opens opportunities for future studies to examine other factors influencing employee performance.
Motivation, religiosity, employee performance, Islamic banking
Pengaruh Literasi Keuangan Digital Dan Kondisi Sosial Ekonomi Orang Tua Terhadap Pengeluaran Konsumsi Mahasiswa (Studi Kasus Mahasiswa Generasi Z Di Kota Jambi)
The development of e-wallets, mobile banking, fintech, and paylater features facilitate transactions and expand consumption choices for Generation Z students. This study aims to (1) describe the socioeconomic characteristics of parents of Generation Z students in Jambi City, (2) analyze the influence of digital financial literacy on student consumption expenditure, and (3) examine the influence of parents' socioeconomic conditions on student consumption expenditure. The study used a quantitative approach with a survey method and primary data through questionnaires on 156 respondents. The variables of digital financial literacy (X1) and parents' socioeconomic conditions (X2) were measured using the Guttman scale (1/0), while student consumption expenditure (Y) was measured on a ratio scale. The analysis was carried out through validity tests, reliability tests, classical assumption tests, multiple linear regression, t-tests, F-tests, and coefficients of determination. The results showed that digital financial literacy had a positive and significant effect on student consumption expenditure, while parents' socioeconomic conditions did not have a significant effect partially. However, both variables simultaneously had a significant effect on consumption expenditure with a very high model explanatory power. This finding confirms that in the context of Generation Z students, the intensity and ease of digital transactions are more dominant factors in explaining variations in spending than family background
digital financial literacy; socioeconomic conditions of parents; consumption expenditure
Copyright (c) 2025 Journal of Islamic Banking
Larangan Riba dan Relevansinya terhadap Praktik Keuangan Syari’ah Indonesia Menurut Tafsir Qs. Al-Baqoroh
This study aims to analyze the concept of the prohibition of riba in QS. Al-Baqarah verses 275–279 and examine its relevance to the practice of Islamic finance in Indonesia. The focus of the study is directed toward understanding the meaning of riba according to classical and contemporary tafsir scholars, the theological foundation of its prohibition, and the implementation of anti-riba principles within the modern Islamic financial system. The research also seeks to explain how Qur’anic values are translated into regulations, financial products, and operational mechanisms of Islamic financial institutions in Indonesia. The research employs a qualitative library-based method. Data were collected through the review of Qur’anic verses, classical and modern tafsir works, Islamic economic literature, and Islamic finance regulations such as DSN-MUI fatwas and OJK guidelines. The data were analyzed using a descriptive-analytical approach to identify the relationship between the concept of riba prohibition and the practices of Islamic finance. The findings indicate that riba is understood as an additional charge required beyond the loan principal without productive activity, which leads to injustice and exploitation. Tafsir scholars affirm that the prohibition of riba aims to uphold economic balance and fairness. The study also reveals that anti-riba principles have been practically implemented in Indonesia’s Islamic financial system through the use of permissible contractual structures, profit-sharing mechanisms, asset-based financing, and Islamic capital market instruments such as sukuk. The study concludes that the prohibition of riba is not only theological in nature but also highly relevant in practice. These Qur’anic principles have successfully become the foundation for the development of a more just, transparent, and welfare-oriented Islamic financial system
Riba, Relevance, Financial Practices, Sharia, Tafsir.
Strengthening Pesantren Economic Development Through Kopontren Al-Fithrah
This study aims to analyze the strategic role of Kopontren Al-Fithrah in strengthening the pesantren economy through the provision of Islamic financial services, professional business management, and a community-based empowerment model. Using a descriptive qualitative approach with a case study design, the research collected data through interviews, observations, and documentation to capture the economic dynamics within the pesantren environment. The findings reveal that Kopontren Al-Fithrah functions as the central driver of the pesantren’s economic ecosystem by expanding access to capital, creating business opportunities, and fostering an entrepreneurial culture among students and surrounding communities. Professionally managed business units contribute to the pesantren’s financial independence, while the cooperative’s impact is evident in the improved welfare of its members and the strengthening of socio-economic networks that support institutional sustainability. These results highlight the significant contribution of pesantren cooperatives in building a community-based economy that is adaptive, resilient, and competitive.
Pesantren Economy, Islamic Cooperative, Community Empowerment, Kopontren Al-Fithrah, Financial Independence.
Telaah Prinsip Jual Beli dalam Perspektif Al Qur’an (Kajian Analisis Q.S. An Nisā’ Ayat 29)
One of the important muamalah activities in the daily lives of Muslims is buying and selling. Islam provides clear and strong guidelines regarding the principles to be followed in every transaction involving buying and selling, as outlined in the Quran and Hadith. The views of the commentators regarding buying and selling in Surah An-Nisa, verse 29, are interesting to examine. Why does Allah refer to the parable of the Arab society of ignorance in the past? It is possible that this parable represents a reality that exists and remains unchanged today. Therefore, it is crucial that Allah discusses buying and selling and its status. Buying and selling transactions truly play a vital role in human life. They provide a means for people to meet each other's needs. The existence of buying and selling activities also demonstrates that humans are social creatures who require the involvement of other humans to fulfill their needs. Nowadays, the buying and selling of goods in sacks is commonplace in society. This system, in which prospective buyers cannot directly inspect the condition and quality of the goods they wish to purchase, raises questions regarding their validity under Sharia law. The purpose of this study is to analyze the compliance of these transactions with the principles of Sharia law, particularly regarding the contract, honesty, and willingness of both parties.
Copyright (c) 2024 Journal of Islamic Banking
Peramalan Produksi Kelapa Sawit di Provinsi Jambi dengan Menggunakan Pendekatan Model Box-Jenkins
Palm oil is one of the leading commodities in the plantation sector in Indonesia which plays a strategic role in driving national economic growth, rural development, and poverty alleviation. Indonesia has been a major producer of palm oil in the world since 2006, with Jambi Province as one of the largest producing regions. This study aims to analyze 1) how palm oil production develops in Jambi Province, 2) which ARIMA model is the most appropriate and accurate for forecasting palm oil production in Jambi Province for the next 5 years, 3) how the results of forecasting the amount of palm oil production in Jambi Province using the most effective model. The data used in this study is the annual time series data of palm oil production in Jambi Province for the period 1989 to 2023 sourced from the Central Statistics Agency of Jambi Province and the Plantation Office of Jambi Province. The results of this study indicate that the best Box-Jenkins model for forecasting palm oil production in Jambi Province is ARIMA (2,1,1) with an Akaike Information Criterion (AIC) value of 27.26197 and a Schwarz Information Criterion (SIC) of 27.48643 and a Hannan-Quinn Criterion (HC) of 27.33851, which states that the value of palm oil production has increased from 2024 to 2028 with an average growth in palm oil production during the forecasting period estimated at around 2.8% per year.
Pengaruh Kinerja Keuangan Terhadap Harga Saham (Studi Empiris pada Perusahaan yang Terdaftar di Jakarta Islamic Index Tahun 2021-2024)
This study aims to analyze the effect of Return on Assets (ROA), Current Ratio (CR), Debt to Equity Ratio (DER), and Total Asset Turnover (TATO) on the stock prices of companies listed on the Jakarta Islamic Index (JII) for the 2021–2024 period. This study uses secondary data in the form of annual financial reports obtained from the Indonesia Stock Exchange (IDX). The study population consists of 16 companies consistently listed on the JII during the study period. The sampling technique was carried out using a purposive sampling method, resulting in 64 observational data. The analysis method used is panel data regression with the help of the EViews 12 application. The Chow and Hausman tests indicate that the appropriate model is the Random Effect Model (REM). The results show that the ROA variable has a positive and significant effect on stock prices. Meanwhile, the CR, DER, and TATO variables do not have a significant effect on stock prices. The simultaneous test (F test) shows that ROA, CR, DER, and TATO together have a significant effect on JII stock prices.
Pengaruh perputaran modal kerja, pertumbuhan Penjualan dan perputaran persediaan terhadap Profitabilitas pada perusahaan yang terdaftar di Jakarta Islamic Index (JII) tahun 2019-2023
This study aims to determine the effect of working capital turnover, sales growth, and inventory turnover on profitability in companies listed on the Jakarta Islamic Index (JII) for the 2019–2023 period. Profitability is an important indicator for measuring a company's financial performance, and this study was conducted to determine the extent to which operational efficiency affects profit achievement. The research method used was a quantitative approach with a purposive sampling technique. From the total population, 13 companies were selected that met the criteria during the observation period. The data used were secondary data in the form of annual financial reports analyzed using the Structural Equation Modeling Partial Least Square (SEM-PLS) method with the help of WarpPLS 8.0 software. The results showed that sales growth and inventory turnover significantly influenced profitability. This indicates that increased sales and inventory management efficiency can drive increased company profits. However, working capital turnover did not significantly influence profitability. These findings provide implications for management to focus more on strategies to increase sales and inventory efficiency to improve the company's financial performance.
Profitability, Working Capital Turnover, Sales Growth
Manajemen Resiko Pembiayaan Bank Syariah Indonesia : Tantangan dan Solusi
Risk management in Islamic financial institutions should be a primary concern. Good risk management can help Islamic banks to identify, measure, manage, and control the risks faced. The study aims to find out more about the challenges faced and the solutions implemented by financial institutions, especially Islamic banking. The research method uses a descriptive qualitative method with data collection through case studies, literature reviews, observations and interviews with related parties. The results of the study show the challenges faced by Islamic banking in risk management in the form of: technology risk, digital security risk, liquidity risk and risk of compliance with Islamic financial principles. Solutions are needed to address the challenges faced, namely, first, implementing the Basel III standard risk management framework, AAOIFI standards and the specific needs of the Islamic fintech ecosystem. Second, providing training and educating human resources.
Islamic financial institutions, Islamic banking, risk management
Strategi Manajemen Sumber Daya Manusia Berbasis Syariah untuk Meningkatkan Kinerja Karyawan di Lembaga Keuangan Syariah dalam Perspektif Al-Quran
This article discusses sharia-based human resource management (HR) strategies which aim to improve employee performance in sharia financial institutions. Implementing HR management in accordance with Islamic principles is not only important for sharia compliance, but also for creating an ethical and productive work environment. Through analysis of various strategic elements, including recruitment and selection, training and development, performance appraisal, reward systems, and leadership, this article highlights the importance of integrating sharia values ​​in every aspect of HR management. By referring to verses of the Koran, such as QS. An-Nisa [4]: ​​58 which emphasizes trust and justice, QS. Al-Baqarah [2]: 261 which describes blessings in work, as well as QS. Al-Mulk [67]: 15 which encourages good work ethics, this article shows that the application of these principles can produce employees who are not only competent, but also have integrity. This research implies that sharia-based HR management strategies can make a significant contribution to the performance of sharia financial institutions, as well as their reputation in society.
Sharia Human Resources Management, Employee Performance, Sharia Financial Institutions, Sharia Values, Al-Quran
Restrukturisasi Produk Pembiayaan Musharakah Mutanaqishah Di Bank Syariah Indonesia Dalam Etika Manajemen Koperasi Berbasis Syariah
This study aims to examine the implementation of the restructuring of the musharakah mutana>qishah financing product at Bank Syariah Indonesia (BSI) Bojonegoro Branch from the perspective of Islamic economic law and to assess its compliance with Islamic principles in cooperative management. The method used is qualitative with a field study approach through interviews with internal BSI parties and financing customers. The results of the study indicate that the implementation of the musharakah mutanaqishah contract at BSI Bojonegoro Branch experienced a contract engineering (hilah), where the object of the transaction is an asset that was previously fully owned by the customer. This practice is not entirely in accordance with the original characteristics of the musharakah contract, and is more like a 'inah sale and purchase scheme according to the perspective of muamalah fiqh. In the context of Islamic economic law, the transaction can be considered valid if it meets the pillars and conditions of sale and purchase, as explained in the view of the Syafi'iyah school. This study recommends BSI to review the implementation of contracts to maintain sharia integrity in financing products and encourage innovation that is oriented towards the benefit and justice for all parties.
Musharakah Mutanaqishah, financing restructuring, sharia economic law, hilah, sale and purchase of 'inah, Bank Syariah Indonesia.
THE IMPACT OF A CONSUMPTIVE LIFESTYLE ON THE ECONOMIC STABILITY OF MILLENNIALS
Millennials, as a dominant demographic group in the global economy, are significantly influenced by modern consumerist tendencies. This study explores the impact of a consumptive lifestyle on the economic stability of millennials, focusing on their financial management, saving patterns, and long-term economic security. The research highlights that the pervasive influence of social media, advertising, and peer pressure has exacerbated impulsive spending habits, reducing the financial resilience of millennials. By analyzing various factors, such as income levels, debt accumulation, and investment preferences, the study uncovers the challenges faced by millennials in achieving sustainable financial growth. Furthermore, the findings emphasize the need for effective financial literacy programs to counteract the negative effects of consumerism, enabling millennials to make informed financial decisions. This study concludes by recommending practical strategies to balance lifestyle aspirations with economic stability, aiming to foster a more sustainable approach to personal finance among millennials.
Millennials, consumptive lifestyle, economic stability, financial management, impulsive spending
The Pengaruh Promosi Terhadap Minat Masyarakat Tangerang Menjadi Nasabah Bank Syariah
Perkembangan bank syariah merupakan jawaban untuk menghindari praktik riba yang selama ini dilakukan oleh bank konvensional. Salah satu tindakan yang dilakukan oleh bank syariah adalah melakukan kegiatan promosi dalam rangka memperkenalkan bank syariah kepada masyarakat dan menarik minat mereka untuk menjadi nasabah. Oleh karena itu, penulis melakukan penelitian tambahan mengenai pengaruh promosi terhadap minat masyarakat Tangerang menjadi nasabah bank syariah. data yang digunakan adalah data primer yang diambil melalui survei yang sesuai dengan responden. Pendekatan penelitian kuantitatif digunakan dalam penelitian ini. Penelitian ini dilakukan untuk mengetahui apakah promosi berpengaruh terhadap minat masyarakat Tangerang menjadi nasabah bank syariah. Kata kunci: Promosi, minat, bank syariah ABSTRACT The development of Islamic banks is the answer to avoid usury practices that have been carried out by conventional banks. One of the actions taken by Islamic banks is to carry out promotional activities in order to introduce Islamic banks to the public and attract their interest in becoming customers. Therefore, the authors conducted additional research regarding the effect of promotion on the interest of the Tangerang people to become customers of Islamic banks. the data used is primary data taken through surveys according to the respondents. Quantitative research approach is used in this research. This research was conducted to find out whether promotions affect the interest of the people of Tangerang to become customers of Islamic banks. Key word: promotion, interest, Islamic bank
THE INFLUENCE OF PROMOTION THROUGH INSTAGRAM SOCIAL MEDIA AND PRICE ON CUSTOMER LOYALTY (A CASE STUDY OF RANDANG PAKU IKAN RANGKITO CONSUMERS)
The goal of this study was to ascertain the impact of price and social media advertising on Randang Paku Pangkito customers' loyalty in Dharmasraya Regency. Descriptive quantitative study is what we're doing here. The participants in this study are Randang Paku Rangkito consumers. On the Chocran formula was used to determine the number of research samples. A total of 100 individuals were chosen using the purposive sampling method. The information used was gathered by the distribution of questionnaires with predefined questions to Randang Paku Rangkito customers. Multiple regression analysis using SPSS 21 is the analysis method employed. The study's findings demonstrate that: (1) Instagram social media promotion has a favorable and significant impact on Price has a positive and substantial impact on both consumer loyalty and (2) price has a positive and significant impact on both consumer loyalty and (3) promotion through social media platforms like Instagram.
customer loyalty, price, Instagram social media advertising.
Copyright (c) 2022 Journal of Islamic Banking
Pengaruh Promosi Melalui Media Sosial Intagram dan Harga Terhadap Loyalitas Konsumen Pada Konsumen Randang Paku Ikan Rangkito Di Kabupaten Dharmasraya
The goal of this study was to ascertain the impact of price and social media advertising on Randang Paku Pangkito customers' loyalty in Dharmasraya Regency. Descriptive quantitative study is what we're doing here. The participants in this study are Randang Paku Rangkito consumers. On the Chocran formula was used to determine the number of research samples. A total of 100 individuals were chosen using the purposive sampling method. The information used was gathered by the distribution of questionnaires with predefined questions to Randang Paku Rangkito customers. Multiple regression analysis using SPSS 21 is the analysis method employed. The study's findings demonstrate that: (1) Instagram social media promotion has a favorable and significant impact on Price has a positive and substantial impact on both consumer loyalty and (2) price has a positive and significant impact on both consumer loyalty and (3) promotion through social media platforms like Instagram
Analisis Penentuan Ujrah Produk Gadai Emas di Perbankan Syariah (BSI Kantor Cabang Bangkalan)
Through fatwa number: 25/DSN-MUI/III/2002 issued by the National Sharia Council and the Indonesian Ulema Council on June 26, 2002, it is stated that the costs of maintaining and storing the collateral (Marhun) should not be determined based on the loan amount. However, in practice, the ujrah (rental fee) charged to customers changes according to the amount of the loan requested. This research aims to analyze the determination of ujrah on gold pawn products available in Islamic banking. The type of research used in this study is qualitative research, which analyzes and describes how the ujrah for gold pawn products in Islamic banking is actually determined. Data collection techniques employed include case study and interview methods. Data analysis uses qualitative data analysis, which involves systematically searching and organizing the data obtained from case study, drawing conclusions, and finally conducting a data credibility test. This study concludes that the determination of ujrah for gold pawn products in Islamic banking, specifically at BSI Syariah, is based on the loan amount. The ujrah costs for pawn loans are as follows: for loans of IDR 500,000 – IDR 20,000,000: 1.8% of financing; for loans of IDR 20,000,000 – IDR 100,000,000: 1.5% of financing; for loans exceeding IDR 100,000,000: 1.1% of financing. The larger the loan amount, the smaller the ujrah that the customer has to pay.
MOBILE APPLICATION FOR ZAKAT, INFAK, AND SADAQAH BASED ON SHARIA ECONOMICS
The research method used in this study is a qualitative approach with a case study method. The primary goal is to deeply understand the experiences and perceptions of users towards a mobile application designed for the management of zakat, infak, and sadaqah based on Sharia economics. Primary data were collected through a series of in-depth interviews with users of the application and zakat managers at various Islamic financial institutions. Respondents were selected using purposive sampling techniques to obtain a rich variety of perspectives from individuals who have direct experience with the application. Additionally, document analysis was conducted to gather secondary data including promotional materials for the application, financial reports of zakat institutions, and online publications related to the use of technology in the distribution of zakat and sadaqah. Data analysis was performed using thematic coding techniques, where collected data were organized and analyzed to identify major themes and emerging patterns. This study emphasizes strict research ethics by ensuring the confidentiality and anonymity of all respondents. The results of this study are expected to provide valuable insights regarding the effectiveness and impact of using mobile applications to enhance the practices of zakat, infak, and sadaqah among the Muslim community.
Mobile Application, Zakat, Infak, And Sadaqah, Sharia Economics
THE EFFECT OF SERVICE QUALITY ON CUSTOMER SATISFACTION IN TEH POCHI INDONESIA
This study investigates the impact of service quality on customer satisfaction at Teh Pochi. The research sample consists of 83 customers of Teh Pochi who have made repeat purchases, selected through an accidental sampling method. Data were gathered using a questionnaire designed with a Likert scale to measure responses. The analysis was conducted using a simple regression analysis method via the SPSS 16 application. The findings from the t-test reveal that service quality significantly influences customer satisfaction, with a significance value of 0.000, which is less than the threshold of 0.05. This indicates a strong statistical relationship between the two variables. Furthermore, the coefficient of determination test results in an R Square value of 0.485, suggesting that 48.5% of the variation in customer satisfaction can be attributed to service quality. The remaining 51.5% is influenced by other factors not examined in this study. These results underscore the importance of maintaining high service quality to enhance customer satisfaction, while also indicating that other variables should be explored to fully understand the drivers of customer satisfaction at Teh Pochi.
The Effect of Service Quality, Customer Satisfaction, Teh Pochi
ABSTRAK Perkembangan bank syariah merupakan jawaban untuk menghindari praktik riba yang selama ini dilakukan oleh bank konvensional. Salah satu tindakan yang dilakukan oleh bank syariah adalah melakukan kegiatan promosi dalam rangka memperkenalkan bank syariah kepada masyarakat dan menarik minat mereka untuk menjadi nasabah. Oleh karena itu, penulis melakukan penelitian tambahan mengenai pengaruh promosi terhadap minat masyarakat Tangerang menjadi nasabah bank syariah. Data yang digunakan adalah data primer yang diambil melalui survei yang sesuai dengan responden. Pendekatan penelitian kuantitatif digunakan dalam penelitian ini. Penelitian ini dilakukan untuk mengetahui apakah promosi berpengaruh terhadap minat masyarakat Tangerang menjadi nasabah bank syariah. Kata kunci: Promosi, Minat, Bank Syariah ABSTRACT The development of Islamic banks is the answer to avoid usury practices that have been carried out by conventional banks. One of the actions taken by Islamic banks is to carry out promotional activities in order to introduce Islamic banks to the public and attract their interest in becoming customers. Therefore, the authors conducted additional research regarding the effect of promotion on the interest of the Tangerang people to become customers of Islamic banks. the data used is primary data taken through surveys according to the respondents. Quantitative research approach is used in this research. This research was conducted to find out whether promotions affect the interest of the people of Tangerang to become customers of Islamic banks. Key word: Promotion, Interest, Islamic Bank
Analisis Fluktuasi Keuntungan Mitra Bisnis Franchise Ayam Geprek Sa'i dengan Sistem Persentase: Pendekatan dari Aspek Manajemen Pemasaran Syariah
ABSTRACT This research focuses on analyzing the process of purchasing a cooperation license and the implementation of the mudarabah agreement in the fluctuation of profit sharing between Geprek Sa'i franchisers and business partners. In purchasing the Ayam Geprek Sa'i franchise business license, the business partner includes initial capital of IDR. 350,000,000, including renovation of premises, equipment, supplies and use of the name Ayam Geprek Sa'i license. The mudarabah agreement is implemented with this initial capital, and the distribution of profits is carried out based on revenue sharing. In this system, 70% of the net profit income is given to the franchiser, while 30% is given to the business partner. This process is explained through ijab qabul, where the business partner can make an initial payment and provide a place, then confirm with the franchiser. Fluctuations in the Ayam Geprek Sa'i franchise business are influenced by location factors and raw material prices. The distribution of profits is based on net profit income for one month, and the distribution percentage refers to revenue sharing, namely 70% for franchisers and 30% for business partners. This research takes a qualitative descriptive approach to explain the process and application of mudarabah contracts in the context of sharia economic law.
Fluctuations, Profits, Business Partners, Mudarabah
Copyright (c) 2023 Journal of Islamic Banking
Kesadaran Perpajakan dan Sosialisasi Perpajakan terhadap Kepatuhan Wajib Pajak Pelaku UMKM (Sebuah Studi Literatur)
The literature review article on Tax Awareness and Tax Dissemination of Taxpayer Compliance with MSME Actors (A Literature Study) is an academic paper. The aim is to formulate a research hypothesis about the influence between variables, which can be used for further research. How to write this literature review article: Using library research methods sourced from online media such as Google Scholar, Mendeley, and other online scientific media. The results of this literature review article 1. Tax awareness influences MSME tax compliance; 2. Tax socialization affects MSME tax compliance.
Tax Awareness, Tax Socialization, MSME Taxpayers, Literature Study
TINJAUAN PENGUMPULAN ZAKAT DI LAZISNU SINGGAHAN TUBAN
The problem of povertyis still a classic problem in this country that still cannot be resolved. Poverty is increasingly coming to the fore, especially in various regions in Indonesia as a result of the economic downturn. Thus, of course, a precise and accurate formulation is needed to minimize the poverty rate. Zakat is one instrument to make it happen. The research that the researcher did was included in descriptive research with a qualitative approach. The results showed that zakat management efforts at LAZISNU Singgahan were carried out through ball pick-up services, promotions, account transfers, and establishing emotional relationships with the community.However, in the management of zakat there are obstacles that make the management of zakat at LAZISNU Singgahan not maximal in its implementation, including the human resources working at LAZISNU Singgahan where mustahiq are less active in participating in programs held by LAZISNU Singgahan and their assistance is lessthan optimal, causing a lack of understanding community towards the program run by LAZISNU Singgahan.
PEMASARAN HOLISTIK UNTUK JANGKA PANJANG PERUSAHAAN
Holistic marketing is integrated or comprehensive marketing. The company considers that all departments within the company are the most important part in achieving company goals. The holistic marketing concept includes relationship marketing, integrated marketing, internal marketing and performance marketing. The purpose of the marketing concept is to help companies achieve their goals, namely achieving maximum profits. One of the efforts to achieve company goals, companies must pay attention to trends in marketing practices. In addition to achieving maximum profit, holistic marketing also influences the company's image. To produce a good image, the company conducts marketing by carrying out social activities such as CSR (Corporate Social Responsibility).
Holistic Marketing, relationship marketing, integrated marketing, internal marketing, performance marketing, corporate image, marketing practice trends, CSR
Pengaruh Kualitas Pelayanan Terhadap Minat Menabung Nasabah Pada Bank BSI (Bank Syariah Indonesia) Cabang Serang Banten
This study was carried out to evaluate the level of customer satisfaction and saving intentions at Bank Syariah Indonesia (BSI). This study employed a quantitative survey method as its methodology. Up to 30 students from UIN SMH BANTEN's Faculty of Islamic Economics and Business have respondents to the survey. Statistical techniques for descriptive and inferential analysis were used to examine the acquired data. The aim of this study is to comprehend how customer interest in saving at Bank Syariah Indonesia (BSI) is influenced by service quality. The study's findings demonstrate that customer interest in saving with Bank Syariah Indonesia (BSI) is positively and significantly impacted by service quality. The association between the client's interest in saving money and the quality of the services provided is moderate, which implies that it is neither too strong nor too weak but nonetheless substantial. Customers' interest in saving at Bank Syariah Indonesia (BSI) is affected by other variables in 71.5% of the variable, with the remaining 28.5% coming from the service quality variable.
Service Quality, Customer Saving Interest, Bank BSI
Implementasi Pembiayaan Ultra Mikro Dalam Pengembangan Usaha Mikro Kecil Menengah Dikecamatan Dawe Kudus (Studi Kasus Pada Kspps Artha Bahana Syariah Cabang Dawe Kudus)
The purpose of this is to analyze ultra micro financing in MSME in the Dawe sub-district. This research is a qualitative research by conducting direct interviews with the object of research, namely the manager of KSPPS Artha Bahana Syariah Dawe Kudus branch and members of ultramicro financing. Data collection techniques in the form of interviews, observation and documentation of the data analysis technique used is the observation method. The results of this study are the condition of ultra-micro financing which is in great demand by the Dawe community and it can be said that the distribution of ultra-micro financing is good and appropriate. Ultra-micro financing really supports the economy around the area and really helps MSME actors there. Where the distribution of ultra-micro financing funds is evenly distributed around the KSPPS Artha Bahana Dawe branch area.
KSPPS Artha Bahana Syariah branch of Dawe Kudus
PENGELOLAAN WISATA PANTAI BALONGAN DALAM UPAYA PENDISTRIBUSIAN PENDAPATAN MASYARAKAT
This research aims to determine the process and role of managing Balongan beach tourism potential towards equal distribution of community income in Balongmulyo Village, Kragan subdistrict. How is the management process carried out so that the process can achieve the targets desired by various stakeholders. The method used in this research is descriptive qualitative. The methods used in collecting data in this research were interviews, observation and documentation. The research results show that Balongan beach tourism uses a form of community-based tourism management or Community Based Tourism (CBT). This form of management prioritizes the concept of harmony between stakeholders, namely the community, government and private sector (investors). To achieve this management requires a long process, namely from the planning, implementation to maintenance stages. Then the role of managing Balongan beach tourism potential is the economic impact that is most recognized by the people of Balongmulyo, namely the equal distribution of income for the people of Balongmulyo. Because the management of Balongan beach tourism can open up employment opportunities for the people of Balongmulyo and the surrounding community by selling or as builders and increasing people's income.
Tourism, Tourism Management, Income distribution.
Kompetisi Pasar Dan Transaksi Di Era Globalisasi
In the era of globalization, market development is becoming more complex and dynamic with the existence of information technology that allows companies to enter the global market. This study aims to analyze the factors that can affect the market and competitive rank, as well as the relationship between the two. The research method used in this research is a literature study with a qualitative approach. Data sources in this study are from various reading sources such as books, journals and literature related to the research topic. The results showed that information technology, globalization, government regulation, and consumer behavior are the main factors for the formation of markets and competitive spaces. Case studies in the smartphone industry such as Samsung, Apple, and Xiaomi show that using the right strategy allows companies to achieve significant competitive advantages. In conclusion, the use of information technology, adapting to globalization, complying with regulations, and understanding consumer preferences are very important to increase market competitiveness.
market, competitive space, business strategy, competitive advantage