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All Journal EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Jurnal Ilmiah Mahasiswa Ekonomi Syariah (JAMMIAH) ADINDAMAS: Jurnal Pengabdian Kepada Masyarakat
Nurbaeti, Ayi
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Humanities Economics, Econometrics & Finance Environmental Science

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Analisis Persepsi Mahasiswa pada Fitur dan Layanan Islami di Aplikasi BSI Mobile (Studi Mahasiswa STIES Indonesia Purwakarta) Amelia, Rosa; Sucipto, Imam; Nurbaeti, Ayi
JAMMIAH (Jurnal Ilmiah Mahasiswa Ekonomi Syariah) Vol 4 No 1 (2024): Jammiah (Jurnal Ilmiah Mahasiswa Ekonomi Syariah)
Publisher : STIE Syariah Indonesia Purwakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/jammiah.v2024i4.930

Abstract

Persepsi mahasiswa sangat penting terhadap produk perbankan syariah, karena salah satu fungsi mahasiswa sebagai agent of changes, agen perubahan akan salah mentafsirkan atau salah memberikan edukasi kepada masyarakat karena persepsi agennya pun salah. Fitur dan layanan yang baik akan membuat persepsi konsumen khususnya mahasiswa tetap setia menggunakan layanan atau produk tersebut. Tujuan penelitian ini untuk mengetahui fitur dan layanan apa saja yang banyak digunakan mahasiswa STIES IP pada aplikasi BSI Mobile, dan untuk mengetahui persepsi mahasiswa STIES IP pada fitur dan layanan islami di aplikasi BSI Mobile. Metode penelitian ini menggunakan metode kualitatif dengan pendekatan deskriptif. Sumber data primer penelitian ini berupa hasil observasi dan wawancara langsung dengan mahasiswa STIES Indonesia Purwakarta. Teknik analisis data menggunakan mengunakan model Miles dan Huberman. Hasil penelitian menunjukkan bahwa fitur dan layanan yang banyak digunakan mahasiswa STIES IP pada aplikasi BSI Mobile adalah info rekening, transfer, pembayaran, waktu sholat, pembelian, dan layanan islami. Selanjutnya persepsi mahasiswa STIES IP pada fitur dan layanan islami di aplikasi BSI Mobile dari indikator penerimaan mendapatkan respon bahwa dari segi tampilan menarik, mudah digunakan, transaksi cepat, respon cepat, bisa diakses 24 jam, fitur dan layanan islaminya lengkap, sangat membantu dan memuaskan. Sedangkan indikator evaluasi mendapatkan respon bahwa dari segi fitur dan layanan islami bagus dan inovatif, namun dari segi keamanan perlu ditingkatkan, adanya sistem error, dan terlalu banyak verifikasi saat transaksi.
Analisis Praktik Sewa Menyewa Peralatan Camping Pada Lentera Outdoor Tegalmunjul Purwakarta Dalam Perspektif Akad Ijarah Jalaludin, Agus; Damiri, Ahmad; Nurbaeti, Ayi
JAMMIAH (Jurnal Ilmiah Mahasiswa Ekonomi Syariah) Vol 4 No 2 (2024): Jammiah (Jurnal Ilmiah Mahasiswa Ekonomi Syariah)
Publisher : STIE Syariah Indonesia Purwakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/jammiah.v4i2.1256

Abstract

Berdasarkan hasil obsevasi dilapangan, pertama mengenai konsumen Lentera Outdoor membatalkan sewa peralatan camping secara mendadak. Fenomena kedua, penyewa menanggung resiko kerusakan sewa peralatan camping. Fenomena ketiga, keterlambatan waktu pengembalian sewa peralatan camping yang dilakukan oleh penyewa. Fenomena keempat, hilanganya peralatan camping yang masih dalam waktu sewa. Tujuan penelitian ini untuk mengetahui pelaksanaan praktik sewa menyewa peralatan camping pada Lentera Outdoor Tegalmunjul Purwakarta dan untuk mengetahui pelaksanaan praktik sewa menyewa peralatan camping pada Lentera Outdoor Tegalmunjul Purwakarta dalam perspektif akad ijarah. Metode yang digunakan dalam penelitian ini adalah metode kualitatif deskriptif. Sumber data primer didapatkan dari hasil wawancara dan observasi sebanyak 11 orang. Teknik pengumpulan data menggunakan observasi, wawancara dan studi dokumen. Teknik analisis data menggunakan reduksi data, display data dan verifikasi. Hasil penelitian dapat disimpulkan bahwa praktik sewa menyewa peralatan camping di Lentera Outdoor Tegalmunjul Purwakarta : 1) Menghubungi via WhatsApp/Instagram; 2) Konsumen mengirimkan list booking dan waktu sewa peralatan camping; 3) Saat waktu sewa tiba, konsumen mendapat penjelasan kondisi dan tata cara penggunaan serta diwajibkan mengecek kondisi peralatan camping; 4) Konsumen akan diminta membayar DP 50% sesuai list booking sewa peralatan camping dan menyerahkan KTP/SIM sebagai syarat dan jaminan: 5) Biaya denda keterlambatan pengembalian sewa sesuai list booking sewa peralatan camping: 6) Pelunasan sisa pembayaran ketika waktu sewa berakhir. Selanjutnya, praktik sewa menyewa peralatan camping di Lentera Outdoor Tegalmunjul Purwakarta sudah sesuai dengan akad ijarah, karena sudah memenuhi rukun dan syarat akad. Shighat sudah dinyatakan secara tegas dan jelas sehingga dapat dipahami kedua belah pihak. Para pihak sudah cakap hukum serta pemilik memiliki kemampuan untuk menyerahkan manfaat barang dan konsumen memiliki kemampuan membayar ujrah. Objek sewa merupakan peralatan camping sehingga dapat dimanfaatkan untuk kegiatan outdoor. Ujrah dibayarkan sesuai kesepakatan di awal serta penyewa mentaati peraturan yang sudah ditetapkan oleh pihak Lentera Outdoor.
Pendampingan Menggapai Keberkahan Upah Kerja PLTA Ir. H. Djuanda di Kecamatan Jatiluhur Kabupaten Purwakarta Nuradilah, Ai; Kurnia, Asep Dede; Nurbaeti, Ayi
ADINDAMAS: Jurnal Pengabdian Kepada Masyarakat Vol. 1 No. 2 (2021): ADINDAMAS: Jurnal Pengabdian Kepada Masyarakat
Publisher : STIE Syariah Indonesia Purwakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (495.044 KB) | DOI: 10.37726/adindamas.v1i2.322

Abstract

There is a lot of money in the bank but every day the wife argues. Children do not bring happiness even if there are many. With friends and neighbors around there is nothing good. Vehicles are always in trouble. Obedience to Allah is getting weaker day by day. The mind is just the world and the world. Property and possessions. Always look to the deeper things of the world. Never satisfied, even though his mouth sings alhamdulillah every minute. This PKM aims to provide assistance to achieve the blessings of working wages for PLTA Ir. H. Djuanda Jatiluhur, Purwakarta Regency. Implementation of assistance to achieve the blessing of working wages at hydropower plant Ir. H. Djuanda Jatiluhur Purwakarta Regency carried out in 2 ways, namely through a joint study with a lecture system between the presenter and all employees of the Jatiluhur Purwakarta Hydroelectric Power Plant. Furthermore, through joint recitations as one of the efforts to achieve the blessings of work wages and the protection of Allah SWT. In order to avoid wages and sustenance that are not lawful or not blessed.
Analisis Kinerja Keuangan Perbankan Syariah Menggunakan Metode CAMEL di PT. Bank Tabungan Pensiunan Nasional Syariah Periode 2019-2022 Sucipto, Moch Cahyo; Zaenal, Rian; Jalaludin, Jalaludin; Nurbaeti, Ayi
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 1 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i1.469

Abstract

For banking institutions, the role of financial performance is very important. Because, if the financial performance of a bank has a good predicate, it can directly increase public confidence in making loans or investing. The fluctuating JCI in stock exchange trading certainly affects the stock performances of several issuers, including BTPN Syariah. BTPN Syariah shares have fluctuated from 2019 - 2022. And 38.77% of foreign sales have occurred, so it is very interesting to conduct this research. The purpose of this study was to determine the financial performance of Islamic banking based on the CAMEL (Capital, Asset, Management, Earning and Liquidity) method at PT. Sharia National Pension Savings Bank for the 2019-2022 Period. This study uses a descriptive method with a quantitative approach. Based on the results of the discussion above, it can be concluded that the health level of BTPN Syariah for the 2019-2022 period is based on: 1). Capital (capital) received the title "Very Healthy". Because the CAR value obtained is greater than 12% in accordance with Bank Indonesia regulations; 2). Assets (Quality of Earning Assets) received the title “Healthy”, because the KAP value obtained was below 10.35%; 3). Management (Management) by assessing the level of NPM (Net Profit Margin) gets the predicate "Sufficiently Healthy", because the NPM value obtained is in the range of 66%-81%; 4). Earning (profitability) uses two ROA and BOPO ratios, ROA for 2019-2022 gets the "Very Healthy" category, because the ROA value obtained is above 1.5%. Meanwhile, the health level of the BOPO ratio for the 2019-2022 period is in the "Very Healthy" predicate, because the BOPO value obtained is smaller than 94%. 5). Liquidity (Liquidity) using the ratio of FDR (Finance to Deposit Ratio) obtained the predicate "Sufficiently Healthy", because the FDR value obtained is in the range of 85%-100%. Furthermore, based on the results of calculating the soundness level of BTPN Syariah in 2019-2022 using the CAMEL method, it is in the "Healthy" position, because the resulting CAMEL value is in the range of 81-100, meaning that BTPN Syariah banks during the 2019-2022 period are considered capable of managing finances or performance. Islamic banking finance well.
Analisis Kinerja Keuangan Bank Bjb Syariah Menggunakan Metode Risk Profile, Good Corporate Governance, Earning, Capital (RGEC) Periode 2017-2021 Siti Nurjanah, Riski; Jalaludin, Jalaludin; Bahri, Saepul; Nurbaeti, Ayi
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 2 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i2.486

Abstract

Financial performance is a reflection of the success or failure of a bank in carrying out its operational activities. The measuring instrument for assessing a bank's financial performance which states whether or not a bank is healthy is described in detail in the provisions governing the bank's soundness level. In measuring the financial performance of a healthy bank or not, the ratio value is used. This research is motivated by the ratio with the predicate Very Healthy, healthy, quite healthy, less healthy and very unhealthy. The purpose of this study is to determine the financial performance of BJB Syariah Bank based on Risk Profile, Good Corporate Governance, Earning, Capital from 2017-2021. This research uses a descriptive qualitative approach using the measurement of the RGEC ratio. It can be concluded that the BJB Syariah bank has a BJB Syariah Health Level for the 2017-2021 period with the Risk Profile method (Risk Profile) consisting of NPF and FDR. NPF in 2017-2021 was in the range of 3.42 and 5.28 categorized as very healthy. FDR in 2017-2021 was in the range of 81.55 and 93.56 categorized as quite healthy. Good Corporate Governance of BJB Syariah for the 2017-2021 period is in the range 2 and 3 which is categorized as quite healthy. Earnings (profitability) consisting of ROA and NIM of BJB Syariah for the period 2017-2021 are in the range of 4,870 and 5,771 categorized as very healthy. The ROA of BJB Syariah for the 2017-2021 period is in the range of 0.4 and 0.10 which is categorized as unhealthy. BJB Syariah's capital for the 2017-2021 period is in the range of 14.95 and 24.14 which is categorized as very healthy. RGEC BJB Syariah for the period 2017-2021 is in the range of 71.99 categorized as healthy.
Co-Authors Ahmad Damiri, Ahmad Amelia, Rosa Jalaludin Jalaludin Jalaludin, Agus Kurnia, Asep Dede Nuradilah, Ai Saepul Bahri Siti Nurjanah, Riski Sucipto, Imam Sucipto, Moch Cahyo Zaenal, Rian