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Analysis of Sharia Banking Compliance and Compliance in Implementing Sharia Economic Principles on the Murabahah Bil Wakalah Contract: A User's Perspective on Good Corporate Governance Yuhda, Ahmad Sabili; Yanti, Nursantri; Aslami, Nuri
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 14, No 1 (2024)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar

Good Corporate Governance (GCG), user trust and satisfaction, policy development, and improving sharia banking practices. Research problems in the analysis of the obedience and compliance of Islamic banking in implementing the principles of Sharia economics in the murabahah bil wakalah contract from the perspective of good corporate governance (GCG) users can involve several challenges and key questions. Data and information limitations, implementation variability difficulties in measuring obedience, uneven GCG compliance, differences in sharia interpretation influence of regulations and policies, user satisfaction and transparency, challenges in performance appraisal. The research method used is a qualitative approach, namely the content of article analysis from the google scholar database. The content of the article analysis was carried out to obtain a mapping of the main theme related to Islamic banking compliance in implementing the principles of Islamic economics discussed in the google scholar database in a certain period. After the selection of the next article will be analyzed by reading the contents one by one. The results of the research found that there are still many Islamic banks that use GCG that have not complied with and obeyed the principles of Sharia economics according to the fatwa DSN-MUI, especially in the Murabahah bil Wakalah contract. The purpose of the research carried out in writing this article is to analyze the obedience and compliance of Islamic banking in implementing the principles of Sharia economics, Conclusion Islamic banking that implements the GCG system still does not fully implement the principles of Sharia economics related to the DSN-MUI fatwa regarding the murabahah bil wakalah contract to avoid transactions that contain elements of maghrib to increase customer public trust in Islamic banking.

The Influence Of Marketing Mix On Customer Loyalty Using Smart IB Savings Products Nasution, Fathia Zuhra; Yanti, Nursantri; Inayah, Nurul
Jurnal Manajemen Bisnis Vol. 11 No. 2 (2024): September
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33096/jmb.v11i2.848

The aim of this research is to find out whether customer loyalty to the Smart iB Savings product of Bank Sumut Kcp Syariah Karya is influenced by the Marketing Mix during the 2018–2023 period. Participants in this research were customers of Bank Sumut Kcp Syariah Karya. Quantitative research is the methodology used. Researchers only selected a sample of 33 customer respondents, so the selection was carried out using a saturated sampling technique. Validated and reliable questionnaires were included in the data collection methods. Multiple linear regression, classical assumption test, F hypothesis test, t hypothesis test, and coefficient of determination are data analysis methods used to answer hypotheses. The results of the research conducted show that the coefficient of determination (adjusted R square) is 0.663 or 66.3%. That Price, Product, Place and Promotion simultaneously influence the loyalty of customers who use the Smart iB Savings product at Bank Sumut Kcp Syariah Karya Period 2018-2023. Price has no effect on customer loyalty who use the Smart iB savings product at Bank Sumut Kcp Syariah Karya for the 2018-2023 period. The product influences the loyalty of customers who use the Smart iB savings product at Bank Sumut Kcp Syariah Karya for the 2018-2023 period. Place has no effect on customer loyalty who use the Smart iB savings product at Bank Sumut Kcp Syariah Karya for the 2018-2023 period. Furthermore, promotions have an effect on customer loyalty who use Smart iB savings products at Bank Sumut Kcp Syariah Karya for the 2018-2023 period.

Pengaruh Harga Emas Dunia, Jumlah Uang Beredar, Inflasi, dan Zakat terhadap Indeks Saham Syariah Indonesia (ISSI) Hani, Zulfa; Marliyah, Marliyah; Yanti, Nursantri
JIEP: Jurnal Ilmu Ekonomi dan Pembangunan Vol 6, No 2 (2023)
Publisher : PPJP Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/jiep.v6i2.10441

This research aims to determine the long-term and short-term impact of world gold prices, money supply, inflation, and zakat on the Indonesian shariah stock indices (ISSI). The dependent variables applied in this study are the world's gold price, money supply, inflation, and zakat. By applying the vector error correction model (VECM) analysis method in the series, data was interpolated to monthly data for 2017-2021. Secondary data is the form of data applied in this study using the Eviews 10 program. This is due to several factors influencing the index that changes the Islamic capital market by representing Indonesian stocks. Based on the results of hypothesis testing, the concluding are accepted in the form of long-term relationships between world gold prices and money supply influence it. In the short term, each dependent variable does not affect the ISSI.

Implementation of Word of Mouth Marketing (WOMM) Quality in Reveling Nasabah Interest in PPR Products with SWOT Analysis Manurung, Ibnu Syawali; Yanti, Nursantri; Nasution, Muhammad Lathief Ilhamy
Ilomata International Journal of Management Vol. 5 No. 4 (2024): October 2024
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v5i4.1279

This study aims to analyze the implementation of Word of Mouth Marketing (WOMM) quality in increasing customer interest in Home Ownership Loan (PPR) products at BTN KCP Syariah Setia Budi using SWOT analysis. This research employs SWOT analysis (Strenght, Weakness, Opportunities, Threats) as its foundational framework. The results indicate that WOMM has significant potential to attract customer interest, particularly through the strength of satisfied customers' credibility and the superior quality of services. Major opportunities are also identified in the growth of digital and social media and the increasing trust in sharia financial products. However, challenges include dependence on customer perceptions, limited control over WOMM messages, and intense market competition. With the right strategies, such as enhancing service quality, leveraging social media, and encouraging positive testimonials, BTN KCP Syariah Setia Budi can optimize the positive impact of WOMM to strengthen the market position of their PPR products.

Pengaruh Kepercayaan, Pengetahuan, Dan Aksesibilitas Terhadap Keputusan Muzakki Dalam Menggunakan Digital Payment (Studi Kasus Muzakki Kota Medan) Ritonga, Lilis Suryani; Anggraini, Tuti; Yanti, Nursantri
Jurnal Manajemen Akuntansi (JUMSI) Vol 4, No 2: 2024
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v4i2.4306

The purpose of this study is to determine the effect of trust, knowledge, and accessibility to the decision muzakki in using digital payment for zakat payments. This study uses a quantitative approach. Data collection using a questionnaire with a purposive sampling of 80 respondents. The test results simultaneously showed that trust, knowledge, and accessibility influenced muzakki's decision to use digital payment with a sign value of 0.000 < 0.05. The test results through multiple linear regression analysis test showed that confidence significantly affect the decision muzakki using digital payment with a value of 0.18 < 0.05.Â The test results through multiple linear regression analysis test found that knowledge significantly affect the decision muzakki using digital payment with a value of 0.005 < 0.05.Â Â The test results through multiple linear regression analysis test found that accessibility significantly affect the decision muzakki using digital payment with a value of 0.000 < 0.05.Â Â

Pengaruh Pemeliharaan Mesin Kerja Dan Pesediaan Bahan Baku Terhadap Proses Poduksi Dengan Kualitas Bahan Baku Sebagai Variabel Moderating (Studi Kasus : Home Industry Mebel Lia Pabot Kec. Percut Sei Tuan) Wahidah, Nurul; Bi Rahmani, Nur Ahmadi; Yanti, Nursantri
Jurnal Manajemen Akuntansi (JUMSI) Vol 2, No 4: 2022
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v2i4.3833

The purpose of this study was to analyze the effect of maintenance of working machines, Raw Material Inventory with Quality of Raw Materials as a Moderating Variable in the home industry furniture lia furniture on production levels. Indonesia is one of the largest archipelagic countries in the world, Indonesia has more than ten thousand islands which have abundant natural resources. The potential of forest products in Indonesia can be said to have the opportunity to become the most important economic sector for the country. One sector that is directly related to the utilization of forest products is the industrial sector. The furniture industry is one of the prima donnas for certain areas, especially in Percut Sei Tuan District, recently the furniture industry has been in the spotlight in various regions, even though the furniture industry has experienced ups and downs due to competition with imported products. Based on the production factors which consist of several indicators, one of which is the maintenance of work machines and the supply of raw materials with the quality of raw materials, they have a quite influential role in the production process in any industry. The aim of this research is to find out, analyze to understand its effect on the production process.

Implementation of Word of Mouth Marketing (WOMM) Quality in Reveling Nasabah Interest in PPR Products with SWOT Analysis Manurung, Ibnu Syawali; Yanti, Nursantri; Nasution, Muhammad Lathief Ilhamy
Ilomata International Journal of Management Vol. 5 No. 4 (2024): October 2024
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v5i4.1279

This study aims to analyze the implementation of Word of Mouth Marketing (WOMM) quality in increasing customer interest in Home Ownership Loan (PPR) products at BTN KCP Syariah Setia Budi using SWOT analysis. This research employs SWOT analysis (Strenght, Weakness, Opportunities, Threats) as its foundational framework. The results indicate that WOMM has significant potential to attract customer interest, particularly through the strength of satisfied customers' credibility and the superior quality of services. Major opportunities are also identified in the growth of digital and social media and the increasing trust in sharia financial products. However, challenges include dependence on customer perceptions, limited control over WOMM messages, and intense market competition. With the right strategies, such as enhancing service quality, leveraging social media, and encouraging positive testimonials, BTN KCP Syariah Setia Budi can optimize the positive impact of WOMM to strengthen the market position of their PPR products.

Strategi Yang Efektif Dalam Pengembangan Produk Bank Muamalat KC Medan Baru Amelia, Anika; Yanti, Nursantri
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 5 No 3 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i3.3865

In developing a company must have a strategy that is very effective in developing a product that must be done so that the company is always growing rapidly in the world of market competition. Product development for bank Muamalat KC Medan Baru, the business carried out by the company develops existing products or produces new products and takes a strategic approach to achieve success and avoid risks, and presents products that are attractive, competitive and provide convenience in transactions, as well as according with the needs of society and market industry. The purpose of this study is to find out the strategy for product development at Muamalat Kc Medan Baru bank. The method used is descriptive qualitative method. The results of this study indicate that the product marketing concept that Islamic banks need to pay attention to in developing products and services, namely: needs, wants, demands, production, utility, value and satisfaction. Direct product promotion channels for Bank Muamalat KC Medan Baru are by picking up the ball, introducing the Muamalat DIN application, using the Personal Selling model, optimizing Costomer Service, door to door. Keywords: Product Development Strategy, Bank Muamalat Products

FACTORS THAT INFLUENCE THE INTEREST OF GEN-Z MUSLIM CONSUMERS IN PURCHASING FOOD ON THE ONLINE FOOD SERVICE DELIVERY SYSTEM APPLICATION Marliyah, Marliyah; Yanti, Nursantri; Rafli, Mhd
Journal of Management Small and Medium Enterprises (SMEs) Vol 17 No 1 (2024): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v17i1.13017

This study aims to determine the factors that influence Gen-Z Muslim consumer interest in making food purchases on the online food service delivery system application which is divided into three variables, namely product quality, price, and halal awareness. This study uses quantitative methods, and data collection techniques by distributing questionnaires and sample number in this study was 100 students at the State Islamic University of North Sumatra using purposive sampling techniques. The data were analyzed using multiple linear regression methods. The results of the study indicate that product quality and price have a significant effect on purchase intention, and halal awareness has no significant effect on purchase intention, and the results of the simultaneous test hypothesis show that product quality, price, and halal awareness simultaneously affect purchase intention. Keywords : Product Quality ; Price ; Halal Awaraness ; Purchase Intention

Strategi Pemasaran PT Bank Syariah Indonesia KCP Cemara Asri dalam Menawarkan Produk Pembiayaan Pra Pensiun Guna Menarik Minat Nasabah Februari, Budi; Yanti, Nursantri
Eksis: Jurnal Ilmiah Ekonomi dan Bisnis Vol 15, No 1 (2024): Mei
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/eksis.v15i1.427

The purpose of this study was to determine effective marketing strategies in offering pre-pension financing products by PT Bank Syariah Indonesia KCP Cemara Asri and increasing customer interest in this product. This study also aims to determine how effective marketing strategies can increase bank income and improve the quality of Islamic financial services. In this study, researchers applied a qualitative method that prioritizes data collection through field study techniques or field research. This approach was chosen to obtain an in-depth understanding of the obstacles faced by Bank Syariah Indonesia KCP Cemara Asri in marketing pre-retirement financing products. Qualitative methods allow researchers to dive into the perspectives of various related parties and analyze effective marketing strategies to increase customer interest in these products. effective marketing strategies for PT Bank Syariah Indonesia KCP Cemara Asri for pre-retirement financing products involve an integrated and diverse approach. The steps include increasing public education about the product, strengthening digital promotion, establishing cooperation with companies, and organizing seminars and education to the public.

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