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Analisis Manajemen Risiko Pada Bank Syariah: Tinjauan Literatur   Roos Nelly; Saparuddin Siregar; Sugianto Sugianto
Reslaj : Religion Education Social Laa Roiba Journal Vol 4 No 4 (2022): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (964.03 KB) | DOI: 10.47467/reslaj.v4i4.1008

Abstract

Due to their unique risk profile, Islamic banks face challenges in risk management. This study aims to review the risks faced by Islamic banks. This study explores risk practices through selected literature and describes the risks faced by Islamic banks. The results show that there are several risks faced by Islamic banks including: credit risk, liquidity risk, operational risk, legal risk, withdrawal risk, benchmark risk and fiduciary risk. Another finding is that Islamic banking is riskier than conventional banks due to its uniqueness in providing financing. In addition, this is also due to an immature money market, limited availability of lender of last resort facilities from the central bank, and a lack of market infrastructure. Islamic banks from the literature analyzed, have not shown to have developed effective solutions to manage the risks of conventional banks and face their own unique risks. Keywords: Islamic Banking, Management, Risk
Faktor-Faktor Yang Mempengaruhi Jumlah Kunjungan Wisatawan Mancanegara (Wisman) Di Provinsi Nusa Tenggara Barat Sugianto Sugianto
Journal Locus Penelitian dan Pengabdian Vol. 1 No. 2 (2022): Jurnal Locus Penelitian dan Pengabdian
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (465.084 KB) | DOI: 10.58344/locus.v1i2.14

Abstract

Provinsi Nusa Tenggara Barat ditetapkan oleh Kemenpar pada tahun 2015 sebagai destinasi wisata syariah unggulan Indonesia berkat prestasi pada ajang The World Halal Travel Award tahun 2015 sebagai World’s Best Halal Honeymoon destination dan World’s Best Halal Tourism Destination. Pertumbuhan wisman berpengaruh secara langsung pada penerimaan devisa negara. Begitu pula dengan kunjungan wisman di Nusa tenggara barat yang mempengaruhi sektor perekonomian dan menggambarkan banyaknya jumlah wisman halal yang datang ke Indonesia. Penelitian ini bertujuan untuk meneliti tentang faktor-faktor yang mempengaruhi kunjungan wisman di Nusa Tenggara barat dengan jenis penelitian kuantitatif data sekunder. Penelitian ini menggunakan data time series berbentuk data bulanan dengan rentang waktu pada tahun 2013 – 2019. Data dianalisis dengan menggunakan regresi linier berganda dengan metode Ordinary Least Square (OLS). Proses pengolahan data menggunakan software SPSS 23. Variabel bebas yang diduga berpengaruh terhadap penelitian ini adalah akomodasi, kurs, dan keamanan. Hasil analisis regresi menunjukkan bahwa seluruh variabel bebas secara simultan berpengaruh secara signifikan terhadap jumlah kunjungan wisman di Nusa Tenggara Barat pada tingkat kepercayaan 5% dengan nilai Sig. 0,000. Hasil uji t dengan taraf signifikansi sebesar 5% menunjukkan bahwa variabel akomodasi berpengaruh negatif dan signifikan dengan nilai Sig. 0,011, variabel kurs berpengaruh positif dan signifikan dengan nilai Sig. 0.000, variabel keamanan berpengaruh positif dan tidak signifikan dengan nilai Sig. 0.990.
Pemasaran Bank Syariah Berbasis Tekhnologi Revolusi Industri 4.0 Dedeng Irawan; Sugianto Sugianto; Saparuddin Siregar
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 1 (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 (347.136 KB) | DOI: 10.47467/alkharaj.v5i1.1193

Abstract

Islamic bank marketing must be able to change the way of human life and work processes as a whole, in order to support the advancement of information technology to be able to synergize in the world of life with marketing media that can be used to market products that exist in Islamic banks, so that all these products can be recognized by all customers who are users of Islamic bank products. In this research, it is hoped that it can add scientific references in knowing the products in Islamic banking, especially those that are directly related to Economic Construction in the Technology 4.0 era. by using the SWOT Analysis technique. This paper will use qualitative research with a case study approach, namely the author tries to reveal real life so that the collected data is analyzed in detail obtained from many sources, both from interviews, direct observations or data results that have been published by previous researchers. The findings in this study are that Islamic banks can choose the right strategy to synergize with the 4.0 industrial revolution, namely by using SWOT analysis. Key Word: Sharia Bank Marketing, Industry Revolution Technology 4.0,
Determnan Keputusan Penggunaan Dompet Digital Dengan Minat Guna sebagai Variabel Intervening: Nur Sabiatul Aulia; Sugianto Sugianto; Nurul Jannah
El-Mujtama: Jurnal Pengabdian Masyarakat Vol 3 No 1 (2023): El-Mujtama: Jurnal Pengabdian Masyarakat
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1088.754 KB) | DOI: 10.47467/elmujtama.v3i1.2245

Abstract

In the era of increasingly advanced developments, it requires humans to follow developments that occur in order to support life. The development of technology and speed in obtaining information is certainly very influential in activities to improve financial performance, one of which is the development of technology-based businesses. This study aims to determine the effect of the level of risk, benefit, and ease to use on the decision to use use a digital wallet with interest in use as an intervening variable. This research was conducted using a quantitative approach and used three independent variables, namely the level of risk (X1), benefit (X2), and ease to use (X3), then there is one dependent variable, namely the decision to use (Y), and one intervening variable, namely interest in using (Z). The samples used were students of the State Islamic University of Nort Sumatera in 2018 as many as 99 samples. The type of data use in this study is primary data by distributing questionnaires to the respondents. While the data analysis techniques used is path analysis. The results of this study indicate that (i) the level of risk has a positive and significant effect on interest in use, (ii) usefulness has a positive and significant effect on interest in use, (iii) ease to use has a positive and significant effect on interest in use, (iv) interest in use has a positive effect and significant to the decision to use, (v) the level of risk has no significant effect on the decision to use through interest in use, (vi) benefit has no significant effect on decisions to use through interest in use, (vii) ease of use has a positive and significant effect on decisions to use through interest in use. Interest path analysis was tested to be able to mediate the relationship between the level of risk, benefit, and ease of use on the decision to use a digital wallet. Keywords : Level of risk, Benefit, Ease to use, Decision to use, Digital wallet
Analisis Pangsa Pasar Dengan Metode BCG Matriks Pada Perusahaan Farmasi Di Bursa Efek Indonesia Firdha Aigha Suwito; Sugianto Sugianto; Nurul Jannah
EKONOMIKA45 :  Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan Vol. 10 No. 2 (2023): Juni : Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan
Publisher : Fakultas Ekonomi Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/ekonomika45.v10i2.725

Abstract

Penelitian ini bertujuan untuk menganalisis pangsa pasar pada perusahaan farmasi dan menentukan posisi setiap perusahaan farmasi pada kuadran BCG Matriks. Penelitian ini menggunakan pendekatan deskriptif kuantitatif dengan metode BCG Matriks. Sampel penelitian ini sebanyak tujuh perusahaan farmasi yang terdaftar di BEI dan tercantum dalam DES dimana KLBF menjadi perusahaan pembanding. Hasil penelitian ini menunjukkan pangsa pasar terbesar dikuasai oleh KLBF sementara pangsa pasar terkecil diperoleh oleh MERK. Perusahaan yang memperoleh relative market share terbesar adalah TSPC pada tahun 2017 – 2020 selanjutnya pada tahun 2021 adalah KAEF. Sebaliknya, MERK memperoleh nilai relative market share terkecil. INAF memperoleh growth penjualan dan market growth rate tertinggi pada tahun 2021 sementara MERK memperoleh growth penjualan dan market growth rate terendah pada tahun 2018. Posisi setiap perusahaan farmasi setiap tahunnya pada kuadran BCG Matriks yaitu: TSPC pada posisi kuadran Question Marks selama empat tahun kecuali tahun 2020 pada posisi kuadran Dogs. KAEF, SIDO, dan DVLA konsisten pada posisi kuadran Question Marks sejak 2017 – 2021. INAF pada posisi kuadran Dogs selama tiga tahun pertama kemudian berpindah pada posisi kuadran Question Marks pada tahun 2020 – 2021. Posisi MERK cukup fluktuatif dimulai berada pada posisi kuadran Question Marks pada tahun 2017 kemudian berpindah ke kuadran Dogs, begitu seterusnya.
Pengaruh Kepercayaan, Kemudahan, dan Manfaat Digital Payment Sebagai Alat Pembayaran Terhadap Perilaku Konsumtif Individu Dengan Digital Savvy Sebagai Variabel Moderating Rindi Safira; Sugianto Sugianto; Rahmat Daim Harahap
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 6 (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 (537.396 KB) | DOI: 10.47467/alkharaj.v5i6.3694

Abstract

The research aims to determine the effect of trust, convenience, and benefits of digital payments as a means of payment on individual consumptive behavior with digital savvy as a moderating variable. This study uses a quantitative method in data analysis where the data comes from the results of questionnaires that have been distributed to the respondents. The population in this study is Medan city residents, especially those aged 18 -25 years (Gen Z) with a sample of 100 respondents. To determine the sample using a purposive sampling technique, namely by determining the criteria for respondents including residents aged 18-25 years (Gen Z), domiciled in the city of Medan and using digital payments. The collected data were analyzed using SPSS 25 with Multiple Linear Regression and Moderate Regression Analysis (MRA). In accordance with the tests that have been carried out, the results show that trust, convenience and benefits of digital payments have an effect on consumptive behavior. From the data test, it was found that the R square value was 0.552. It can be concluded that the variables of trust, convenience and benefits of digital payments contribute 55.2% to consumptive behavior while the remaining 44.8% are influenced by other variables. The MRA test that has been carried out also proves that Digital Savvy as a Moderating Variable is able to influence and strengthen the relationship between variables with increased R square results after being moderated. Keywords: Digital Payment; Consumptive behavior; Digital savvy; Perspective of Islamic Economics.
Pemberdayaan Home Industry Pembuatan Tepung Sagu dalam Meningkatkan Perekonomian Keluarga: Studi Kasus Kelurahan Kwala Begumit Kecamatan Binjai Kabupaten Langkat Djauky Ridho Amwa; Sugianto Sugianto
El-Mujtama: Jurnal Pengabdian Masyarakat Vol 4 No 2 (2024): El-Mujtama: Jurnal Pengabdian Masyarakat (In Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmujtama.v4i2.5253

Abstract

This study aims to find out how the Empowerment of Home Industry for Making Sago Flour in Improving the Family Economy (Case Study of Kwala Begumit Village, Binjai District, Langkat Regency). This research is a descriptive qualitative research, data collection methods are observation, interviews and documentation. The subject of this research focuses on sago factory founders, managers and workers. Data analysis techniques in this study were data reduction, data presentation, and periodic conclusions drawn during the study. The results of this study indicate that the existence of this home industry can create jobs for the people of the village of Kwala Begumit Village, Binjai District, Langkat Regency. It is very well realized that the development of the community's economy through the small and medium business sector has proven to help the community in their family's economic life by reducing the level of unemployment that occurs in many rural areas. This is one of the distinctive characteristics of the small industrial sector, by continuing to develop and empower the community's economy, it will be able to help with the problem of lack of jobs and the large number of unemployed people in the village of Kwala Begumit Village, Binjai District, Langkat Regency. The development of the home industry that occurred in Kwala Begumit Village, Binjai District, Langkat Regency can be said to have increased and has developed because this area is the area that has the most number of micro businesses.
Manajemen Risiko Pada Lembaga Zakat Osman Ali; M. Yaser Salim Pardede; Sugianto Sugianto
Innovative: Journal Of Social Science Research Vol. 3 No. 6 (2023): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v3i6.7810

Abstract

Manajemen risiko dalam lembaga zakat merupakan suatu hal baru yang unik dan menarik untuk dibahas. Keunikan risiko pada lembaga zakat disebabkan karena lembaga zakat bukan sebuah lembaga yang bergerak untuk mencari keuntungan tetapi lebih berorientasi pada penjagaan amanah dalam rangka mewujudkan kemashlahatan bersama. Penerapan manajemen risiko yang baik akan mampu membawa dampak positif bagi pengelolaan zakat. Efektivitas manajemen risiko tergantung pada kemampuan SDM lembaga. SDM perlu memiliki kemampuan manajerial terkait manajemen risiko khususnya terkait ERM COSO. Kompetensi manajemen risiko diperlukan mulai awal penerapan ERM COSO sampai dengan tingkat mitigasi risiko.