Afrianty, Nonie
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TINGKAT PERSAINGAN DAN EFISIENSI BANK PEMBIAYAAN RAKYAT SYARIAH DI INDONESIA Afrianty, Nonie; Anto, Moh. Bekti Hendrie
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 2, No 1 (2017)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1396.946 KB) | DOI: 10.29300/ba.v2i1.955

Abstract

Abstract :  The development of sharia banking in Indonesia can not be separated from its important  role  as  an  intermediary  institution  as  well  as  developing  the economy by channeling  funds for productive businesses, especially middle, small and micro entrepreneurs. Sharia banking that has a strategic role in funding for micro business is one of them is the Sharia Rural Bank (BPRS). Therefore, BPRS must operate efficiently to promote economic growth and competitiveness so as to survive in the face of tight financial industry competition in Indonesia. This research is conducted to analyze the level of competition / competition and efficiency of Sharia Rural Bank (BPRS) in Indonesia. The data used in this research is the financial report of 113 BPRS in Indonesia obtained from Bank Indonesia. The methods used to analyze the level of competition are Herfindahl-Hirschman Index (HHI) and Concentration Ratio (CR). The analysis of this level of competition includes three variables, including assets, Third Party Funds (DPK) and Financing. While the methods used to analyze the level of efficiency include two input variables and three output variables,  including  DPK,  Operational  Costs,  Financing  Disbursed, Current  Assets  and  Other  Operating  Income.Analisis  of  BPRS competition level in Indonesia in 2011-2015 shows that BPRS in Indonesia tend to experience competition or competition between BPRS and not controlled by several BPRS. While at the level of efficiency of BPRS in Indonesia 2011-2015 using Data Envelopment Analysis (DEA) approach resulted 5 (five) BPRS with efficiency value 1 or 100%. In addition, for SRBs in inefficient conditions the DEA method also provides a reference or reference in order to be able to achieve efficient conditions.Keywords: Competition,         HHI         and         CR,         Efficiency,         DEA,         SR
Analisis Kinerja Bank Pembiayaan Rakyat Syariah (Bprs) Di Provinsi Bengkulu Dengan Pendekatan Sharia Maqasid Index (SMI) Afrianty, Nonie
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 4, No 2 (2019)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (12.793 KB) | DOI: 10.29300/ba.v4i2.2260

Abstract

This study aims to analyze the performance of the BPRS by looking at how much the level of achievement maslahah (welfare) in the sharia maqasid as well as comparing the performance among Islamic People’s Financing Banks (BPRS) in Bengkulu Province with the Sharia Maqasid Index (SMI) approach. This research is a quantitative research with a descriptive approach. The population of this study is BPRS in Bengkulu Province which was recorded during the period March 2016 to March 2017. The sampling technique in this study was conduced by purposive sampling. The results of this study is BRRS Safir har superior performance with a value of 16,35% while BPRS Muamalat Harkat with a value of 15,64%. This show that BPRS Safir is a sharia banking institution that is not only profir oriented but there us education, justice and community welfare values that reflect the size of the non-profit benefits in accordance with the objectives of Islamic banks.
PERKEMBANGAN USAHA MIKRO SEBELUM DAN SESUDAH MEMPEROLEH PEMBIAYAAN MURABAHAH DARI BMT KOTA MANDIRI BENGKULU Afrianty, Nonie
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 3, No 1 (2018)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (554.874 KB) | DOI: 10.29300/ba.v3i1.1477

Abstract

businesses can develop with additional capital, so it is necessary to know whether there are differences in the development of micro-enterprises before and after obtaining murabahah financing from BMT Kota Mandiri Bengkulu. The types of data in this study are primary data and secondary data. Data collection techniques used were oral interviews and library research. In this study, 33 samples were taken with the Puposive sampling technique with the characteristics of financing customers who had run murabahah financing for at least six months. Data Analysis Techniques in the normality test using the Kolmogorov-Smirnov method and homogeneity test with the Levene method. on testing hypotheses using paired sample t-test parametric statistics. The conclusion of this study is that there are differences in the development of micro-enterprises before and after obtaining murabahah financing from BMT Kota Mandiri Bengkulu.
Minat Menggunakan E-Wallet pada Generasi Milenial dengan Pendekatan UTAUT (Unified Theory of Acceptance Use of Technology) Damayanti, Sindi Livia; Yani, Yepi; Asnaini, Asnaini; Afrianty, Nonie
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 1 (2021)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v6i1.3988

Abstract

This study aims to examine the influences of the factors contained in the UTAUT theory to the interest in using e-wallets for the millennials. This study used the analysis of Structural Equation Modeling (SEM) with SmartPLS software. The sample used is 100 millennials respondent in Kota Bengkulu. The sampling technique used was purposive sampling. The purposive sampling is used because this study requires certain criteria such as the age of the respondents in the birth range 1981-2000, using an e-wallet and live in Kota Bengkulu. The data collection technique used google form questionnaire and shared to millennials through social media such as WhatsApp, Instagram, and Facebook. The results of this study indicate that three of the factors in the UTAUT tested consisting of business expectations, social influences, and facility conditions have a positive and significant influences to the interest of the millennials to use e-wallets in Kota Bengkulu, while the performance expectation factor does not have a positive and Significant influences to millennials interest in using e-wallets in the Bengkulu City
Implementasi Lean Manufacturing dan Menghindari Tabdzir untuk Peningkatan Produktifitas dengan Minimasi Waste Afrianty, Nonie
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v6i2.4873

Abstract

This study aims to determine the causes of waste and minimize the causes of waste in the production process by using a lean manufacturing approach and analyzing it from an Islamic economic perspective. This type of research is field research with a qualitative approach. The informants of this study were the owner and 9 employees of the Saf'fana Furniture Store. The analysis technique used uses several tools, including VSM, Fishbone diagrams, Failure Mode and Effect Analysis. The results of this study indicate that the cause of the emergence of waste in the production process lies in the time of the drying process and repair of defective goods, the way to minimize it is to increase the stock of raw materials and increase worker discipline so that product defects do not occur, while in the perspective of Islamic economics the production process is classified as on tabzir because the time used to dry the raw materials and after the finished product must be repaired again on the defective goods, thus need creativity and discipline to workers