tiara Juliana Jaya
Universitas Islam Negeri Maulana Malik Ibrahim Malang

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Strategies For Determining Sharia Insurance Target Market tiara Juliana Jaya; Yullina Devvie Sari; Roi Anju Immanuel
Jurnal Ilmiah Ekonomi Islam Vol 7, No 1 (2021): JIEI : Vol. 7, No. 1, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (178.146 KB) | DOI: 10.29040/jiei.v7i1.1934

Abstract

The purpose of this research is to know the strategy of determining the target market in PRUlink Sharia assurance products pt. Prudential life assurance. The method used in this study is qualitatively descriptive. Descriptive statistical analysis techniques, stages of data analysis techniques Data collection, Data reduction data reduction, Presentation of data Presentation data, Withdrawal of conclusions. Strategy to determine the target market on PRUlink sharia assurance account products at PT. Prudential Life Assurance is: use the six o concept strategy so that the target market type. Types of target market selected, observation to the location, Muslim community, Grouping of insurance policy candidates, Ability factor by looking at a salary range of 2 million, and Prospective insurance policy that is at productive age for those between the ages of 25-40 years.
Pengaruh Pembiayaan Syariah dan Indeks Pembangunan Manusia (IPM) Terhadap Tingkat Kemiskinan Di Provinsi Aceh: Analisis Data Panel Misfi Laili Rohmi; Tiara Juliana Jaya; Mahfudz Reza Fahlevi
Jurnal Ilmiah Ekonomi Islam Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (331.663 KB) | DOI: 10.29040/jiei.v7i3.2602

Abstract

Poverty is a significant problem faced by developing countries, including Indonesia. Islam teaches its people to fight poverty because poverty is closer to kufr. Aceh is famous for applying Islamic law, but Aceh is the poorest province on the island of Sumatra in 2020. Meanwhile, in terms of Sharia financing, Aceh Province ranks 4th, and the Human Development Index (IPM) ranks 11th highest nationally. This panel aims to determine the effect of Islamic financing and the Human Development Index (HDI) on poverty levels in Aceh Province. Data analysis was carried out using panel data regression by choosing the best regression model, namely the Fixed Effect Model, by combining cross-section data of 21 districts/cities in Aceh Province during the 2016-2020 period. The study results, both partially and simultaneously, Islamic financing and HDI have a negative and significant effect on the poverty level in Aceh Province.
The Effect Of Marketing Mix On Customer's Decision To Save On PT. Bank Muamalat Kendari Branch Tiara Juliana Jaya; Mahfudz Mahfudz; Nur Laili Fikriah
AT-Tahdzib: Jurnal Studi Islam dan Muamalah Vol 8 No 2 (2020): At-Tahdzib
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib Ngoro Jombang Indonesia

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

Abstract

This research aims to find out how the marketing mix affects customers' decision to save on PT. Bank Muamalat Kendari Branch. This research uses quantitative methods using observation techniques, questionnaires and documentation. The sample used in this study was 89 customers who had saved up at PT. Bank Muamalat Kendari Branch. Based on the results of the research that has done it can say that marketing mix has a significant relationship because it can explain that the significant value of 0,000, the significant level is smaller than 0.05 or the value of t-count is higher than the value of t-table which means that PT. Bank Muamalat Kendari Branch can meet the needs and desires of customers so that customers feel satisfied in terms of products, the price of administration provided, promotion as well as excellent service and security, and strategic bank location. Therefore, the better service provided by the bank will have an impact on the increasing decision of customers to save on PT. Bank Muamalat Kendari Branch.
The Effects Pandemic Covid-19 On Indonesia Foreign Trade Misfi Laili Rohmi; Tiara Juliana Jaya; Nur Syamsiyah
Jurnal Ekonomi Vol. 26 No. 2 (2021): July 2021
Publisher : Fakultas Ekonom dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/je.v26i2.750

Abstract

Indonesia is a developing country whose needs are exported from abroad. Therefore Indonesia needs foreign trade to fulfil goods that cannot be produced domestically or to distribute goods in which Indonesia has an absolute advantage in producing these goods. However, the policies are taken by the domestic government and Indonesia's foreign trading partner countries to limit the spread of the Covid-19 virus have an impact on the inflow of goods to and from abroad. Thus, this study intends to see how the Covid-19 pandemic has affected Indonesia's foreign trade by using the Paired Sample T-test, which observes conditions before and during/after a pandemic occurs. This study found that the Covid-19 pandemic had an impact on Indonesia's foreign trade from the aspect of oil and gas exports, imports of raw materials, and imports of Indonesian capital goods.
Effect of Earning Asset Quality, Financial Leverage, and Company Size on Financial Performance of Sharia Commercial Banks Inayatul Maula; Tiara Juliana Jaya
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (300.71 KB) | DOI: 10.30651/jms.v7i2.12495

Abstract

The research aims to see earning asset quality, financial leverage, and company size influence the financial performance of Islamic Commercial Banks from 2016 and 2020. A descriptive quantitative statistical technique is used in this type of research. With Eviews software version 10, the data was used as panel data with analysis capabilities in the form of panel data regression. The study employed a purposive sampling technique to select a sample of 10 Islamic commercial banks registered with the OJK. Purposive sampling was performed since the researchers have specific criteria. The research found that concurrently had a substantial impact on Islamic commercial banks' financial performance. However, the partial test results reveal that the quality of earning assets and company size have such a considerable negative impact on Islamic commercial banks' financial performance, but financial leverage has no impact on financial performance.
PEMBERDAYAAN ORANGTUA DALAM MENGENALKAN FINANCIAL LITERACY PADA ANAK PRA SEKOLAH Tiara Juliana Jaya; Sandy Tegariyani Putri Santoso
Jurnal Review Pendidikan dan Pengajaran (JRPP) Vol. 6 No. 3 (2023): Volume 6 No. 3 2023
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jrpp.v6i3.19277

Abstract

Financial literacy merupakan salah satu bentuk kecakapan hidup yang menacakup cara menggunakan sumber daya keuangan dengan bijak. Financial litarcy perlu diberikan sejak usia pra sekolah agar anak dapat mencapai kesejahteraan hidup di usia dewasa. Kecakapan tentantang financial literacy pada anak usia dini perlu melibatkan orangtua sebagai orang yang paling terlibat dengan anak serta memiliki pengaruh langsung terhadap kondisi finansial pada anak. Kegiatan pengabdian kepada masyarakat dilakukan dengan metode participatory action research yang melibatkan secara aktif orangtua siswa di RA Sunan Ampel 02.Kegiatan pengabdian ini dilakukan melalui tahapan identifikasi masalah, perencanaan kegiatan, pelaksanaan kegiatan dan evaluasi. Hasil eevaluasi menunjukkan setelah mengikuti kegiatan pengabdian orangtua mememahami manfaat, ruang, lingkup, serta bagaimana cara membelajarkan financial literacy pada anak anak usia pra sekolah.
The Effect of Bank Performance and Macroeconomics on the Profitability of Indonesian Sharia Commercial Banks Sakinah Maulidah Mastniah Amin; Tiara Juliana Jaya
Al-Muamalat: Jurnal Ekonomi Syariah Vol 11, No 1 (2024): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v11i1.34141

Abstract

This study examines the relationship between the profitability of Islamic commercial banks with the functions of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Operating Expenses and Operating Income (BOPO), inflation, Gross Domestic Product (GDP), and interest rates. This quantitative study's monthly report of Islamic banking and the monthly report of statistical data for 2015-2022 are secondary data sources. A method used is called multiple linear regression analysis. Based on the results of research, CAR and NPF are significantly related to the profitability of Islamic commercial banks. In contrast, the results of BOPO, GDP, inflation, and interest rates have no significant relationship with Islamic commercial banks. ROA simultaneously affects CAR, NPF, BOPO, inflation, GDP, and interest rates. Based on the conclusions of this study. If Islamic banks want to maximize their profitability, they must maintain capital efficiency and stabilize non-performing financing and operational ratios.