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Analisis Penanganan Keluhan Terhadap Loyalitas Nasabah Pada PT. BPRS Se-Provinsi Lampung Ditta Nurhidayanti; Heni Noviarita; Erike Anggraeni
Islamic Economics Journal Vol 6, No 1 (2020)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (356.843 KB) | DOI: 10.21111/iej.v6i1.4303

Abstract

The purpose of this research is to find and analyze the handling of complaints against customer loyalty at PT. BPRS in the Province of Lampung. This research is a quantitative study with a questionnaire data collection tool that is distributed to customers of PT. SRBs in the Province of Lampung. The sample used in this study was 100 customers, with a purposive sampling data collection technique. Analysis of the data used in this study is a simple linear regression data analysis. The results found that the handling of complaints can affect customer loyalty of PT. SRBs in the Province of Lampung. The magnitude of the effect of handling complaints on loyalty is 49.3%. Therefore, to maintain customer loyalty PT. BPRS in Lampung Province can make various options such as improving service quality, increasing satisfaction, perceived value, E-Servqual and using mobile banking.
STRATEGI DAN TANTANGAN PENGUMPULAN DANA HASIL KOIN NU PADA UPZIS NU KECAMATAN BATANGHARI LAMPUNG TIMUR Ansori Yahya; Khoirul Abror; Erike Anggraeni
EKSYA : Jurnal Ekonomi Syariah Vol 3 No 1 (2022): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v3i1.734

Abstract

The Zakat Infaq and Shodaqoh Nahdlatul Ulama Management Unit (UPZIS NU) of Kecamatan Batanghari has formed several NU UPZIS at the village or sub-district level. The program currently being carried out by the Infaq Zakat Management Unit and Shodaqoh Nahdlatul Ulama at the village level is the "Nahdlatul Ulama Infaq Box Movement" (KOIN NU). However, in its implementation there are several obstacles experienced by several UPZIS NU at the village level in Kecamatan Batanghari. Some of these obstacles include the distribution of Infaq Boxes to the community that has not been maximized, there are still pros and cons and even rejection in the community regarding the implementation of activities. The purpose of this study was to find out what caused the NU KOIN Program to not be maximized as well as the pros and cons and even rejection in the community about the implementation of activities in several villages in Kecamatan Batanghari. This research was conducted using a qualitative descriptive method, namely research that utilized qualitative data and then described it descriptively. Data collection in this study was carried out using primary data and secondary data. The result of this research is that the response of the people of Batanghari Sub-district to the KOIN NU program is very good. However, due to the lack of socialization, the vastness of the area and the absence of a special team tasked with socializing activities in the community, the implementation of activities in the community has not been maximized and there are still pros and cons and even rejection in the community. The solutions offered by researchers related to this problem are First, UPZIS NU Management at all levels must be more aggressive in conducting socialization in the community, including forming a special team to conduct socialization directly or through social media; Second, the results of the infaq box must be immediately distributed to the community; Third, always coordinate with religious leaders and community leaders; Fourth, submit reports related to the management of KOIN NU results to the community for the sake of transparency.
TINGKAT LITERASI PARIWISATA HALAL DAN KEPUTUSAN BERWISATA PADA WISATA HALAL (STUDI PADA WISATAWAN DOMESTIK DI INDONESIA) AULA NURUL MA'RIFAH; M NASOR; ERIKE ANGGRAENI
Jurnal Ilmiah Manajemen "E M O R" Vol 4, No 1 (2020): Juni
Publisher : Universitas Muhammadiyah Luwuk Banggai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32529/jim.v4i1.455

Abstract

Pariwisata telah menjadi suatu bagian esensial di masyarakat dan merupakan suatu sektor yang mampu untuk mendorong pertumbuhan ekonomi. Di Indonesia, pariwisata pernah menjadi suatu sektor yang tumbuh ketika penerimaan ekspor turun, artinya sektor ini merupakan sektor yang cukup potensial untuk dikembangkan terutama pariwisata halal mengingat Indonesia mayoritas penduduknya Muslim. Penelitian ini bertujuan unuk melihat tingkat literasi dari pariwisata halal dan mengenai tingkat keputusan berwisata pada wisata halal. Hasil penelitian menunjukkan bahwa sebanyak 56,5% wisatawan telah mengetahui konsep wisata halal dan ketika wisatawan diberikan gambaran lebih jauh mengenai wisata halal, sebanyak 73% wisatawan menyatakan setuju bahwa wisata halal ditujukan untuk semua kalangan atau tidak terbatas untuk kalangan tertentu saja. Selain itu, hasil penelitian menunjukkan sebanyak 78% wisatawan lebih memilih dan memutuskan untuk mendatangi lokasi wisata yang ramah kepada wisatawan muslim (wisata halal) dalam melakukan perjalanan wisatanya.
HALAL TOURISM IN INDONESIA (CASE STUDY OF DOMESTIC TOURISTS) Aula Nurul Ma'rifah; M Nasor; Erike Anggraeni
Ekonomi Islam Vol. 11 No. 1 (2020): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (292.617 KB)

Abstract

In increasingly global development, the business climate is always growing. Likewise in the tourism business or the tourism industry. Halal tourism has emerged as a new concept in tourism. Halal tourism is tourism with a concept to facilitate Muslims to worship and avoid non-halal activities on their tour. However, halal tourism is not solely exclusive to Muslims but is open to all communities regardless of religious background. The concept is an opportunity, including Indonesia, which has a Muslim majority population. This study aimed to examine how the views of domestic tourists in Indonesia regarding halal tourism. The population in this study was the number of tourists traveling with pure tourism during the 2018 period of 130.008.566. While the samples of this study were taken by using the Slovin technique with a 5% margin error so that the sample in this study was 400 samples. The data collection technique was conducted by using primary data with written interviews with Indonesian residents who have traveled more than 2 times a year. The results of this study showed that most respondents representing domestic tourists in Indonesia gave positive responses related to the concept of halal tourism and the application of halal tourism in Indonesia. Tourists assume that halal tourism will not be an obstacle to national tourism. Moreover, this concept will be able to provide Muslim and non-Muslim comfort simultaneously. Keywords: Halal Tourism, Indonesia
ANALISIS SWOT PASAR MODAL SYARIAH SEBAGAI SUMBER PEMBIAYAAN DI INDONESIA Basrowi Basrowi; Pertiwi Utami; Erike Anggraeni; Muhammad Nasor
el-Jizya : Jurnal Ekonomi Islam Vol 8 No 2 (2020): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (272.576 KB) | DOI: 10.24090/ej.v8i2.3957

Abstract

The purpose of this study is to provide a literature review of the problems currently faced by Islamic Capital Markets, given that Islamic capital market products have not been used significantly as a source of financing outside of Islamic Banks. Whereas the opportunity as an alternative source of funding is quite large, especially because of the potential of the majority of Indonesian Muslims. The method used in this study is the literature method based on the most up-to-date reading sources from books and journals. Data analysis methods used are SWOT analysis so that it is expected to find the right strategic solution for using the Islamic capital market as a source of financing outside the bank. The results of the analysis indicate that the use of Islamic capital market products has a positive force by continuously maintaining its existence. Its superiority is influenced by its activities which avoid Maghrib (Maysir, haram, usury and gharar). The impact is very significant on environmental empowerment or 'green economy' because it indirectly prohibits the practice of destroying natural resources for stakeholder actors. The disadvantage is the large number of human resources in the Islamic Capital Market who are unable to use sophisticated technology appropriately and optimally. Opportunities come from technological developments and increasing public financial literacy on the Islamic capital market. The obstacle is that there is a high risk due to external factors, namely political, economic, socio-cultural changes that must be watched because there is always no certainty about it.
The Influence of Financial Ratios, Sukuk Structure and Corporate Governance on Sukuk Ratings Yuska Supra Dwitami; Tulus Suryanto; Heni Noviarita; Erike Anggraeni
Mabsya: Jurnal Manajemen Bisnis Syariah Vol. 3 No. 1 (2021): Mabsya: Jurnal Manajemen Bisnis Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (376.806 KB) | DOI: 10.24090/mabsya.v3i1.4751

Abstract

This study aims to determine the effect of financial ratios, Sukuk structure, and corporate governance on the rankings of Sukuk issued by companies listed on the Sharia Securities List for the period 2014-2018. This study uses secondary data, namely financial reports and annual reports of companies listed in the 2014-2018 Sharia Securities List, Sukuk ranking data from the website of PT. PEFINDO and data on Sukuk were still circulating during the year of observation from the website of the financial services authority. A total of 34 Sukuk issued by companies listed on the Sharia Securities List during the study period became the population in this study. The sample obtained was 15 Sukuk during 5 years of observation, so that the final sample was obtained as many as 75 observation data. The research results prove that only the profitability ratio variable influences the Sukuk rating. Meanwhile, other variables, namely liquidity ratio, leverage ratio, activity ratio, Sukuk structure, and corporate governance, do not influence the Sukuk rating
Reaksi ketahanan pada Indeks Harga Saham Gabungan dan Indeks Saham Syariah Indonesia: bukti kondisi sebelum dan era Covid-19 Khavid Normasyhuri; Erike Anggraeni; Nanang Defri Wahyu Pratama
Jurnal Akuntansi Aktual VOLUME 9, NOMOR 2, JULI 2022
Publisher : Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um004v9i22022p111

Abstract

AbstractUsing paired sample t-tests, this study aims to determine the resilience of the Indonesia Composite Index (IHSG-IDX Composite) and the Indonesia Sharia Stock Index (ISSI) before and during the COVID-19 era. The results showed that there were significant differences in the IDX Composite before and during the COVID-19 pandemic era. This results indicate that the IDX Composite is experiencing shocks as a result of its inability to deal with the turmoil caused by the deadly COVID-19, resulting in price index volatility. However, there was no difference in the Indonesian Sharia Index, indicating that this index remains strong and stable. The results of this study are expected to guide foreign and domestic investors to make decision whether to buy, sell or hold shares, of both conventional and sharia stocks in the era of the COVID-19 pandemic.AbstrakPenelitian ini bertujuan untuk melihat reaksi ketahanan Indeks Harga Saham Gabungan (IHSG) dan Indeks Saham Syariah Indonesia (ISSI) sebelum dan ketika era COVID-19 dengan menggunakan uji beda paired sample t-test. Hasil uji yang dilakukan menunjukkan bahwa terdapat perbedaan yang signifikan pada IHSG. Hal ini menunjukkan bahwa IHSG mengalami guncangan. Reaksi pasar saham Indonesia tidak mampu menghadapi gejolak yang terjadi akibat virus COVID-19 sehingga terjadi ketidakstabilan pada IHSG di era pandemi. Namun, hasil penelitian menunjukkan tidak terdapat perbedaan yang signifikan pada Indeks Saham Syariah Indonesia sebelum dan ketika era pandemi COVID-19. Hal ini menunjukkan bahwa pasar saham syariah cukup stabil dan memiliki ketahahanan yang kuat. Hasil dalam penelitian ini diharapkan memberikan implikasi khususnya bagi para investor asing maupun domestik untuk memilih investasi saham baik saham konvensional maupun saham syariah terutama pada era pandemi COVID-19 dalam pengambilan keputusan terkait dengan keputusan membeli, menjual atau bahkan menahan saham agar mendapatkan imbal hasil di masa depan.
Financial Sustainability Ratio (FSR) Pada BUS di Indonesia Tahun 2012-2018: Penggunaan Metode Maqashid Syariah Index (MSI) Rifka Nazilatur Rohmah; Ruslan Abdul ghofur Noor; Erike Anggraeni
Al-Tijary AL-TIJARY VOL. 6, NO. 2, JUNI 2021
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (415.29 KB) | DOI: 10.21093/at.v6i2.3068

Abstract

Many methods can be used in measuring company finances, including Islamic Commercial Banks. Maqashid Sharia Index (MSI) is a measuring tool in calculating the Financial Sustainability Ratio (FSR). This study aims to measure the FSR of Islamic commercial banks using the MSI measuring instrument method. The results will see the extent to which MSI can calculate the FSR of Islamic retail banks. MSI also estimates how far MSI is connected to the FSR. The method used in this research is descriptive quantitative research. The data obtained is in the form of secondary data. The data is compiled based on the financial reports of BUS that are registered with the OJK from 2012 to 2020. Sampling was done using the purposive sampling technique. The data collection technique uses the documentation method. The analysis used includes regression test, partial test, ANOVA test, and coefficient of determination. The results showed that MSI has a positive effect on FSR. MSI also provided information that the FSR provided positive results for Islamic commercial banks by being aware of the ummah's problems.
Analysis of Perceived Usefulness, Perceived Ease of Use, Trust, and Sharia Financial Literature on the Adoption of Sharia Fintech by MSMEs Imam Shoffan Hasyim; Hanif Hanif; Erike Anggraeni
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 3 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (392.239 KB) | DOI: 10.47467/alkharaj.v5i3.1572

Abstract

The purpose of this study is to analyze consumer intentions to use Sharia FinTech services. This study uses a quantitative descriptive approach to the population, namely SMEs in Bandar Lampung through the sampling technique using simple random sampling with random sampling regardless of the level of the research population. Furthermore, the sample calculation in this study uses the Slovin technique and hypothesis testing using SPSS 22. The results show that Perceived Usefulness, Trust, Islamic Financial Literacy, and all independent variables simultaneously have an influence on the adoption of Islamic FinTech by SMEs. Meanwhile, Perceived Ease of Use has no influence on the adoption of Islamic FinTech by MSMEs. The Islamic Financial Literacy variable has the greatest influence among the independent variables in this study. Keywords: Sharia FinTech, Technology Acceptance Model (TAM), and Perceived Usefulness
The Effect of Financial Performance and Reinsurance on The Deficit in The Balance of Payments of Insurance in Indonesia Erike Anggraeni; Gustika Nurmalia; Dewi Tradena
International Business and Accounting Research Journal Vol 6, No 2 (2022): July 2022
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Islam Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35474/ibarj.v6i2.249

Abstract

Insurance regulation in Indonesia is important to be implemented because the balance of payments for insurance services is in deficit. The insurance industry in Indonesia does not have sufficient capacity to absorb all potential risks exist in the country so that it partners with foreign assurers which then has an impact on the balance of payments deficit. If not addressed immediately, it will harm the country's economy so prosperity will be difficult to achieve. This study aims to see the effect of financial performance and reinsurance on the insurance balance of payments deficit in Indonesia. The method used in this study was quantitative using secondary data in the form of time-series data obtained from the Financial Services Authority. Data collection uses documentation in the form of quarterly data starting from 2010Q1-2019Q4. The total sample was 40 samples. The collected data was then analyzed using multiple-linear regression. The results of this study indicate that financial performance and reinsurance have a significant effect simultaneously and partially on the deficit in the insurance balance of payments in Indonesia. The coefficient of determination of 0.507 or 50.7%, means that the ability of independent variables; financial performance and reinsurance in explaining the deficit in insurance balance of payments in Indonesia for the 2010-2019 period was 50.7% and 49.3% was influenced by other variables that were not studied.