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Pengaruh Fasilitas Layanan Internet Banking Dan Mobile Banking Terhadap Kepuasan Nasabah Bank Syariah Indonesia Kantor Cabang Tangerang Sabik Khumaini; Fahrudin Fahrudin; Samsuri Samsuri
Al Maal: Journal of Islamic Economics and Banking Vol 3, No 2 (2022)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v3i2.5403

This research aims to determine the effect of internet banking and mobile banking service facilities on customer satisfaction at Indonesia Islamic Bank Tangerang branch office. This type of research is field research with a quantitative, the data collection technique used in this research is the questionnaire data collection method. The population in this study were 500 customers using internet banking and mobile banking, and the sample in this study was 85 respondents using random sampling. The results showed that based on the partial t test, there is a significant effect of internet banking service facilities on customer satisfaction and has a positive relationship. And there is a significant effect of mobile banking on customer satisfaction and has a positive relationship. And based on the simultaneous F test, there is a significant effect of internet banking and mobile banking service facilities on customer satisfaction with an F count of 128.777 with a significance value of F of 0.000. And based on the R test determination of 75.9% the ability of the independent variables to explain the variance of the dependent variable.

Pengaruh Motivasi Dan Pengetahuan Terhadap Minat Berinvestasi Saham Di Pasar Modal Syariah Sabik Khumaini; Ayunda Jinan Nadiya
Al Maal: Journal of Islamic Economics and Banking Vol 3, No 1 (2021)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v3i1.4614

This study aimed to determine the influenced of motivation and knowledge of students the study program Islamic banking on invest interest stock in the Islamic Capital Market. The sample in this research is 67 students. The test of the instrument was analyzed by using validity test and reliability test. The analysis technique used in this study is the descriptive statistics, classic assumption test and multiple linear regression. The classical assumption test consists of, normality test, multicollinearity test, heteroscedasticity test and autocorrelation test. Hypothesis test use the determination test, F test, and t test. The results showed that, motivation partially has an insignificant positive influence on invest interest stock in the Islamic Capital Market. Knowledge partially had a significant positive influence on invest interest stock in the Islamic Capital Market. Meanwhile, simultaneously based on the results of the F statistical test, the independent variables of motivation and knowledge together have a significant and positive influence on the dependent variable invest interest stock. The predictive ability of these two variables on invest interest stocks is 46.0%, while the remaining 54.0% is influenced by other variables outside the regression model.

Pengaruh Pembiayaan Ijarah Dan Biaya Operasional Pendapatan Terhadap Profitabilitas Bank Syariah Mandiri Sabik Khumaini; Nurul Fathiya Armina
Al Maal: Journal of Islamic Economics and Banking Vol 1, No 1 (2019)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v1i1.1818

This study was conducted to examine the effect of Ijarah financing variables and Operational Income Operational Costs (BOPO) on the profitability of ROA (Return on Assets) at Bank Syariah Mandiri. The analysis technique used is multiple regression analysis and hypothesis testing using partial t test, F test simultaneously with a significance level of 5% and the coefficient of determination test. In addition, classical tests are also carried out which include the normality test, the heteroscedasticity test, the autocorrelation test and the multicollinearity test. The conclusions obtained are based on the results of the calculated hypothesis testing, showing the variable Ijarah and BOPO significantly negative effect on Return on Assets (ROA) in the period 2006-2015. Meanwhile, the results of the statistical F test, the independent variables Ijarah and BOPO together have a significant effect on the dependent variable ROA with a probability value of less than 0.05. The predictive ability of the two variables on ROA is 24.7%. While the remaining 75.3% was accepted by other factors outside the regression model. Kata kunci: Pembiayaan, Ijarah, Pendapatan, Profitabilitas

Pengaruh Quick Ratio Dan Financing To Deposit Ratio Terhadap Return On Assets Pada PT. Bank Negara Indonesia Syariah Tahun 2016-2019 Sabik Khumaini; M Nurzansyah
Al Maal: Journal of Islamic Economics and Banking Vol 2, No 1 (2020)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v2i1.2748

Penelitian ini bertujuan untuk mengetahui pengaruh quick ratio (QR) dan financing to deposit ratio (FDR) terhadap return on Assets (ROA) di PT Bank Negara Indonesia Syariah. Teknik analisis yang digunakan dalam penelitian ini adalah uji asumsi klasik dan regresi linear berganda. Uji asumsi klasik terdiri dari, uji normalitas, uji autokorelasi, uji heterokedastisitas, dan uji multikolinearitas. Uji statistik menggunakan uji determinasi, uji t, dan uji F. Hasil penelitian menunjukkan bahwa, quick ratio (QR) secara parsial memiliki pengaruh positif signifikan terhadap return on assets (ROA) pada PT. Bank Negara Indonesia Syariah. Financing to deposit ratio (FDR) secara parsial berpengaruh negatif tidak signifikan terhadap return on assets (ROA) pada PT. Bank Negara Indonesia Syariah. Sedangkan secara simultan berdasarkan hasil uji statistik F, variabel independen quick ratio (QR) dan financing to deposit ratio (FDR) secara bersama-sama berpengaruh signifikan terhadap variabel dependen return on assets (ROA) dengan nilai probabilitas kurang dari 0.05. Kemampuan prediksi dari kedua variabel tersebut terhadap return on assets (ROA) sebesar 13,6%, sedangkan sisanya 86.4% dipengaruhi oleh faktor lain di luar model regresi.

Analysis of The Effect of Empowering Productive Zakat Funds on Welfare of The People Sabik Khumaini
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 8, No 2 (2018)
Publisher : Universitas Alma Ata

AbstractZakat is one of the Islamic characteristics of the economic system, it is also one of the most effective instruments to unite humanity to help each other against the problems of poverty through respective social lives. This research was conducted to examine the effect of empowerment of Productive Zakat Funds, managed by BAZNAS, on the welfare of the people. The use of analysis technique is Simple Regression and Hypothesis Testing using T-Statistics to test the Partial Regression coefficient with a level of significance of 5%. In addition, a Classic Assumption test that includes Normality Test, Heteroscedasticity Test, and Autocorrelation Test is also carried out. During the observation period for July 2015- December 2017, the results of the study did not find any deviation from classical assumptions, this indicates that the available data have fulfilled the requirements to use the Simple Regression Equation Model. The results of the analysis show that Productive Zakat Funds have a positive and insignificant effect on the welfare of the people as measured by the CIBEST Welfare Index, with a level of significance greater than 5%. Keywords: Zakat, Productive, Welfare, People AbstrakZakat merupakan salah satu ciri dari sistem ekonomi Islam, Zakat adalah salah satu instrumen yang paling efektif untuk menyatukan umat manusia untuk saling membantu permasalahan kemiskinanan dalam kehidupan sosial masing-masing. Penelitian ini dilakukan untuk menguji pengaruh pemberdayaan dana zakat produktif yang dikelola oleh BAZNAS terhadap kesejahteraan umat.Teknik analisis yang digunakan adalah regresi sederhana dan uji hipotesis menggunakan t-statistik untuk menguji koefisien regresi parsial dengan level of significance 5%. Selain itu juga dilakukan uji asumsi klasik yang meliputi uji normalitas, uji heteroskedastisitas dan uji autokorelasi.Selama periode pengamatan periode Juli 2015- Desember 2017 hasil penelitian tidak ditemukan adanya penyimpangan asumsi klasik, hal ini menunjukkan bahwa data yang tersedia telah memenuhi syarat untuk menggunakan model persamaan regresi sederhana. Dari hasil analisis menunjukkan bahwa dana zakat produktif berpengaruh positif tidak signifikan terhadap kesejahteraan umat yang diukur dengan Indeks Kesejahteraan CIBEST dengan level of significance lebih besar dari 5%. Kata Kunci: zakat, produktif, kesejahteraan, umat

Persepsi Dan Minat Masyarkat Terhadap Asuransi Syariah Di Kabupaten Tangerang Sabik Khumaini; Muh Turizal Husein
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 9, No 2 (2019)
Publisher : Universitas Alma Ata

AbstractIslamic insurance is an effort to protect each other and help among a number of people through investments in the form of assets or tabarru 'which provide a pattern of taking to face certain risks or dangers through a contract that is in accordance with sharia. This study aims to determine and analyze people's perceptions and interests in Islamic insurance in Tangerang Region.The sampling technique uses purposive sampling method. The data used are primary data obtained based on respondents' answers to the questionnaire given. This study uses multiple linear regression analysis methods with the classic assumption test, descriptive analysis, t test (partial), F test (simultaneously), and coefficient test.The results showed that partially the perception and interest variables of the community had a significant positive effect on islamic insurance. Furthermore, simultaneously the perception variable, and community interest have a significant positive effect on islamic insurance in Tangerang Region with a level of significance of less than 5%.Keywords: insurance, Islamic, perception, interestAbstrakAsuransi syariah adalah usaha untuk saling melindungi dan tolong menolong diantara sejumlah orang yang melalui investasi dalam bentuk aset atau tabarru’ yang memberikan pola pengambilan untuk menghadapi risiko atau bahaya tertentu melalui akad yang sesuai dengan syariah. Penelitian ini bertujuan untuk mengetahui dan menganalisis persepsi dan minat masyarakat terhadap asuransi syariah di Kabupaten Tangerang.Teknik pengambilan sampel menggunakan metode purposive sampling. Data yang digunakan adalah data primer yang diperoleh berdasarkan jawaban responden terhadap kuesioner yang diberikan. Penelitian ini menggunakan metode analisis regresi linier berganda dengan uji asumsi klasik, analisis deskriptif, uji t (secara parsial), uji F (secara simultan), dan uji koefisien. Hasil penelitian menunjukkan bahwa secara parsial variabel persepsi dan minat masyarakat berpengaruh positif signifikan terhadap asuransi syariah. Selanjutnya, secara simultan variabel persepsi, dan minat masyarakat berpengaruh positif signifikan terhadap asuransi syariah di Kabupaten Tangerang dengan level of significance kurang dari 5%.Kata kunci: Asuransi, Syariah, Persepsi, Minat

Analisis Hasil Investasi Dana Asuransi Jiwa Syariah di Indonesia Periode 2014-2021 Warto Warto; Sabik Khumaini
Al Maal: Journal of Islamic Economics and Banking Vol 4, No 1 (2022)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v4i1.6651

This paper aims to analysis the management of Islamic Life Insurance funds in Indonesia. From the OJK report, it was found that the investment returns of Sharia Life Insurance funds often experience losses, even though when viewed from the assets and investment value they have the highest interest compared to Sharia General Insurance and Sharia Reinsurance. The data in this study were obtained from OJK and the financial statements of Indonesian Sharia Insurance companies. This research uses quantitative method. The results of the study indicate that the main factor causing investment losses in Sharia Life Insurance funds is the placement of funds, which is dominated by the Capital Market sector, which accounts for 80% of the total investment. Total investment losses during the period 2014-2021 amounted to Rp.-42,713 billion. Total profit is Rp. 61,656 billion. So the total return on investment during this period is Rp. 18,943 billion of the total investment of Rp. 2.485 trillion or only 1%. The solution is that Sharia Life Insurance companies need to look for alternative financing sectors other than the Capital Market.

Pengaruh Zakat, Infak dan Sedekah Terhadap Kesejahteraan Mustahik di Baznas Kota Tangerang di Masa Pandemi Covid-19 Sabik Khumaini; Muhammad Dinal Abdullah; Warto Warto
Al Maal: Journal of Islamic Economics and Banking Vol 4, No 2 (2023)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v4i2.7200

This study aims to determine the effect of zakat, infaq and alms on the welfare of mustahik in the BAZNAS Tangerang City during the COVID-19 pandemic. This type of research is a quantitative approach. The data used is primary data obtained based on respondents' answers to the questionnaire distributed by researchers to mustahik in BAZNAS Tangerang City. The data analysis method uses the Classical Assumption Test which includes the Normality Test, Multicollinearity Test, Heteroscedasticity Test, Autocorrelation Test, Multiple Regression Analysis, F Test, Adjusted R Square Test, and t Test. The results of this study indicate that partially Zakat has a significant positive effect on the welfare of mustahik. Infaq has a significant positive effect on the welfare of mustahik. Alms have a significant positive effect on the welfare of mustahik. Furthermore, simultaneously zakat, infaq and alms have a significant positive effect on mustahik with a level of significance of less than 5%. Meanwhile, based on (R2), it can be seen that the value of Adjusted R Square is 84.5%. It means that the ability of the independent variable to explain the variance of the dependent variable is 84.5% and 15.5% is explained by other variables.

Analysis of the Distribution of Zakat, Infaq and Alms at the Baznas Tangerang City During the Covid-19 Pandemic Sabik Khumaini; M. Nurzansyah; Fadlie Has
ITQAN: Journal of Islamic Economics, Management, and Finance Vol. 1 No. 2 (2022): ITQAN: Journal of Islamic Economics, Management, and Finance
Publisher : Itqanpreneurs Publishing, Yayasan Mitra Peduli Indonesia

Zakat is one of the characteristics of the Islamic economic system. It is one of the most effective instruments to improve the welfare of the ummah and alleviate poverty. This study aims to determine the distribution mechanism of zakat, infaq and alms in Baznas Tangerang City and to determine the role of zakat, infaq and alms distribution for the worthies during the covid 19 pandemic. This study uses a qualitative approach using primary and secondary data. The results showed that the zakat distribution mechanism that is carried out by BAZNAS Tangerang City used two supporting activities, namely: productive assistance and consumptive assistance. In order to get the assistance, the worthies can come directly to BAZNAS Tangerang city either through individuals, institutions, or organizations. The distribution of zakat is carried out by BAZNAS Tangerang City through zakat, infaq, and alms funds by carrying out several activities which have a role in helping the worthies who are affected by the COVID-19 pandemic. It is also a solution for the worthies who are in difficult situations and zakat is used as a source of assistance in dealing with the impact of covid 19.

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