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All Journal Sahid Banking Journal Sahid Business Journal: Jurnal Penelitian Manajemen Bisnis Syariah: Program Studi Manajemen Bisnis Syariah Jurnal Sahid Mengabdi
Ria Kusumaningrum
Universitas Sriwijaya
Religion Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media

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PENGARUH SURAT BERHARGA YANG DIMILIKI / (INVESTMENT IN SECURITIES) NON BANK DAN BANK LAIN TERHADAP LABA BERSIH BANK UMUM SYARIAH DAN UNIT USAHA SYARIAH PERIODE 2008-2021 Kusumaningrum, Ria; Mursyidah, Azizah; Nisa, Sadidatun; Iskandar, Lina
SAHID BANKING JOURNAL Vol 2 No 02 (2023): MEI 2023
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v2i02.112

Abstract

The Bank prepares a fund placement strategy based on the allocation plan by taking into account the policies outlined with the aim of achieving a good level of profitability and maintaining public trust by maintaining a safe liquidity position. By combining these two desires, the allocation of bank funds must be directed in such a way that when necessary, all customer interests can be met. This can be done through investments made by sharia banks (in the form of placements with other banks or investments in securities and also from financing). The profit returns expected by Islamic banks come from profit sharing, profit margins, rent and others. Based on research conducted, Securities Owned / (Investment in Securities) of Non-Banks and Other Banks have an influence on the Net Profit of Sharia Commercial Banks and Sharia Business Units for the 2008-2021 Period. However, the positive influence mentioned above must still be balanced with the importance of the presence and existence of Sharia Commercial Banks and Sharia Business Units, namely as financing institutions that invest directly through mudharabah, murabahah and musyarakah.
ANALISIS PERBANDINGAN PENGGUNAAN JUAL BELI ONLINE DAN JUAL BELI OFFLINE OLEH MAHASISWA INSTITUT AGAMA ISLAM SAHID BOGOR PADA MASA PANDEMI COVID-19 Abad, Geopani; Trihantana, Rully; Kusumaningrum, Ria
SAHID BANKING JOURNAL Vol 3 No 01 (2023): OKTOBER 2023
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i01.117

Abstract

The online purchasing system and the direct purchase system are tools used by the public in making product purchases. Purchase by online is a form of percentage and promotion, marketing of goods and services using certain media such as newspapers, magazines, radio, television, billboards, brochures, social media, internet and others, while direct buying is a situation when a seller offers/ selling its products directly to consumers (both individual consumers and businesses). Interest that arises from within the consumer will have an effect on increasing the number of purchases, because it will increase consumer purchasing decisions to buy goods. The main purpose of this study was to determine the effect of differences between online purchases and direct purchases on consumer buying interest in purchasing decisions. This research was conducted with a quantitative method using an online questionnaire. The population in this study were students who had made online and direct purchase transactions. The number of respondents from this study were 132 respondents. The data analysis technique used is SPSS software. The test results show that there is significant difference between the use of selling online and selling directly during the covid-19 pandemic for INAIS Bogor students
ANALISIS PERBANDINGAN KINERJA KEUANGAN PT. BANK BRI SYARIAH DAN PT. BANK BNI SYARIAH PERIODE 2015-2019 Oktaviani, Amelia; Trihantana, Rully; Kusumaningrum, Ria
SAHID BANKING JOURNAL Vol 3 No 01 (2023): OKTOBER 2023
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i01.124

Abstract

In carrying out economic activities, people prefer to do it in healthy financial institutions (banks), so that a bank will better guarantee various forms of transactions or economic activities in the people who are its customers. Bank health assessment aims to determine whether a bank is in a healthy or unhealthy condition. To determine whether a bank is in a healthy or unhealthy condition, an assessment can be carried out through the Bank Health Level Assessment System. The health of banking financial institutions is in the interests of all parties involved, including bank owners and managers as well as service users or customers. Fluctuating profits from year to year at PT. BRI Syariah Bank and PT. BNI Syariah Bank has an impact on the good and bad of a bank's health and will also influence customers to use the bank's services, as well as investors who will invest their capital. Therefore, this research was created to determine the level of bank health using the CAMEL (Capital, Asset Quality, Management, Earning, and Liquidity) method and to determine the comparison of financial performance between BRI Syariah and BNI Syariah. The data analysis tool in this research uses quantitative descriptive analysis which takes data from the Annual Report of BRI Syariah and BNI Syariah from 2015 to 2019. Data processing uses analysis prerequisite tests (data normality test, multicollinearity test, autocorrelation test, heteroscedasticity test) and Hypothesis testing (independent sample t-test, partial test, simultaneous test, multiple linear regression test) with the help of the SPSS application program. The conclusion of this research is that there are several differences in the magnitude of the ratios between BRI Syariah and BNI Syariah seen from the results of the independent sample t-test, namely the average value of BRI Syariah CAR 21,968, KAP 1,038, NPM 4,700, ROA 5,574, FDR 78,612 and the average value -average BNI Syariah CAR 21,922, KAP 1,052, NPM 5,580, ROA 13,540, FDR 82,130. Thus, looking at the overall ratio value of the two banks, it can be concluded that BNI Syariah performed better than BRI Syariah from 2015 to 2019.
PENGARUH LITERASI KEUANGAN, ELECTRONIC MONEY, GAYA HIDUP, DAN KONTROL DIRI TERHADAP PERILAKU KONSUMTIF MAHASISWA PADA MASA PANDEMI COVID-19 Lisdayanti, Dina; Trihantana, Rully; Kusumaningrum, Ria
SAHID BANKING JOURNAL Vol 3 No 01 (2023): OKTOBER 2023
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i01.126

Abstract

Financial literacy is financial knowledge and financial literacy will help individuals organize personal financial planning, so that individuals can maximize the time value of money and the profits obtained by students will be greater and will improve their standard of living. In this regard, research was conducted on students at the Sahid Bogor Islamic Institute and the Ummul Quro Al-Islami Bogor Institute. This research method uses quantitative methods with multiple regression analysis. The research results show that financial literacy, lifestyle and self-control have a positive effect on students' consumptive behavior during the Covid-19 pandemic, while electronic money has no positive effect on students' consumptive behavior during the Covid-19 pandemic.
ANALISIS PERBANDINGAN KINERJA KEUANGAN ANTARA BANK MUAMALAT DAN BANK SYARIAH MANDIRI PERIODE 2015-2019 Nurfauziah, Dhea; Trihantana, Rully; Kusumaningrum, Ria
SAHID BANKING JOURNAL Vol 3 No 02 (2024): MEI 2024
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i02.150

Abstract

This study aims to determine the financial performance of Bank Muamalat and Bank Syariah Mandiri and to find out whether there is a significant difference between the financial performance of Bank Muamalat and Bank Syariah Mandiri for the period 2015 to 2019. The subjects of this study were Bank Muamalat and Bank Syariah Independent. In this study using comparative and quantitative analysis methods and using secondary data, namely financial reports and annual reports published in 2015-2019. The results of this study are that Bank Muamalat and Bank Syariah Mandiri have good financial performance when viewed through the CAR ratio while viewed through NPF and FDR, Bank Muamalat and Bank Syariah Mandiri have good financial performance. With this research, it can be concluded that Bank Muamalat and Bank Syariah Mandiri show very good financial performance when viewed in terms of CAR ratio while when viewed in terms of NPF and FDR ratios Bank Muamalat and Bank Syariah Mandiri show good financial performance and there are significant differences on the financial performance of Bank Muamalat and Bank Syariah Mandiri where based on the ratio test (ROA, ROE, DGR, LGR, CAR) the performance of Bank Syariah Mandiri as a whole is better than the performance of Bank Muamalat.
FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MASYARAKAT TERHADAP PEMBIAYAAN MITRA EMAS BANK JAWA BARAT SYARIAH KANTOR CABANG PEMBANTU JEMBATAN MERAH, KOTA BOGOR, JAWA BARAT Mulniasari, Nina; Trihantana, Rully; Kusumaningrum, Ria
SAHID BANKING JOURNAL Vol 3 No 02 (2024): MEI 2024
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i02.151

Abstract

This study aims to determine and analyze the influence of factors consisting of cultural, social, personal, psychological, reference, and economic factors on people’s interest in choosing Mitra Emas Financing at BJB Syariah KCP Jembatan Merah. The type of research used in this thesis is a quantitative methode. The processed data is in the form of partial and simultaneous data. Data analysis techniques used in this study using observation and questionnaires, data processing using SPSS. Based on the result of the study, it showed that culture ((X1), social (X2), personal (X3), psychological (X4), reference (X5), economics(X6), had an effect on Public Interest in BJB Syariah KCP Jembatan Merah Gold Partners Financing. This is evidenced by the value of t count > t table. Therefore ho is rejected and He is accepted. From the test results on the simultaneous research of cultural, social, personal, psychological, reference, and economic factors and real influence on people’s interest in gold partner financing. This is evidenced by the F count > F table (37.477 > 2.29) and the sig value of 0.000 < 0.05. So the calculation shows that the independent variables consist of culture, social, personal, psychological, reference, and economics.
ANALISIS MINAT DAN PEMANFAATAN APLIKASI BERBASIS FINANCIAL TECHNOLOGY (FINTECH) PADA KARYAWAN BANK PEMBIAYAAN RAKYAT SYARIAH AMANAH UMMAH, KABUPATEN BOGOR, JAWA BARAT Riyadi, Fariz Fajar; Trihantana, Rully; Kusumaningrum, Ria
SAHID BANKING JOURNAL Vol 3 No 02 (2024): MEI 2024
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i02.154

Abstract

The presence of application-based Financial Technology (Fintech) Payment services is an innovation that makes it one of the supports in non-cash transactions and supports the National Non-Cash Movement (GNNT) which has been launched by Bank Indonesia (BI) since 2014. Fintech Payment has a portion greater usage than other Financial Technology services. The use of these services has increased during the COVID-19 pandemic because it can reduce physical contact between buyers and sellers during transactions. In 2021 the use of the DANA, OVO and GOPAY applications will be the highest used fintech payment applications and have the largest users on the island of Java, namely Jakarta, West Java, Central Java, Yogyakarta and East Java. Therefore an analysis is needed regarding the interest and utilization of financial technology-based applications. This research was conducted with the aim of knowing the factors and perceptions of BPRS Amanah Ummah employees about their interest in using the application. This research uses quantitative survey method. The technique used in collecting data by distributing questionnaires. The results of this study indicate that Perceived Convenience (X1), Perceived Usefulness (X2), and Perceived Trust (X3) influence the interest in using financial technology (fintech)-based applications (Y) by 70.1%. Meanwhile, the rest (29.9%) is influenced by other variables outside of this study. Perceived trust has a significant effect on interest in using financial technology (fintech)-based applications, while perceived convenience and perceived usefulness have no significant effect. So that if there is an increase or decrease in the level of trust in fintech payment services, this will be followed by an increase or decrease in interest in using fintech payments (DANA/OVO/GOPAY)..
ANALISIS PELAKSANAAN MONITORING NASABAH PEMBIAYAAN BANK PEMBIAYAAN RAKYAT SYARIAH AMANAH UMMAH, KABUPATEN BOGOR, JAWA BARAT, PADA MASA PANDEMI COVID-19 Rafiduddin; Trihantana, Rully; Kusumaningrum, Ria
SAHID BANKING JOURNAL Vol 3 No 02 (2024): MEI 2024
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i02.155

Abstract

Since the Covid-19 pandemic, the decline in business activities of BPRS Amanah Ummah customers has had an impact on the ability to pay installment obligations or the emergence of problematic financing. So that the financing monitoring process runs tighter than usual. The purpose of this study is to analyze and find out the course of financing monitoring activities at BPRS Amanah Ummah and how to resolve problematic financing. The research method used in this research is a qualitative method. Qualitative method is a research method that produces descriptive data in the form of written or spoken results from people or behavior that can see and pay attention to a research result. With this research it can be concluded that the financing monitoring function at the BPRS Amanah Ummah is running well. Because, even though we are in a pandemic, the NPF ratio is still within normal limits or 1% ≤, namely 3.74% in 2020 and 2.83% in 2021.
FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT PETANI KECAMATAN PAMIJAHAN, KABUPATEN BOGOR, JAWA BARAT, TERHADAP PEMBIAYAAN BANK SYARIAH Nurapriajul Kurnaen, Muhamad Reza; Trihantana, Rully; Kusumaningrum, Ria
SAHID BANKING JOURNAL Vol 3 No 02 (2024): MEI 2024
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v3i02.160

Abstract

Most of the Indonesian people carry out agricultural sector activities by relying on their own capital or funds. Lack of availability of capital for the agricultural sector will lead to a decrease in agricultural output. Therefore, the best alternative is the provision of capital in the form of Islamic bank financing for farmers in carrying out farming activities. The purpose of this study was to analyze the factors that influence the interest of rice farmers in Pamijahan District (Pamijahan Village, Cibunian Village, and Ciasihan Village) towards financing in Islamic banks with quantitative methods, primary data obtained from the results of distributing questionnaires to a sample of 78 respondents. The results showed 5 independent variables consisting of promotion, knowledge, income, education level, religiosity, variables that can affect farmers' interest, namely the knowledge variable with a tcount value of 2,945 > ttable 1,991. and the sig value is 0.004 < 0.05. Meanwhile, simultaneously the independent variables consisting of promotion, knowledge, income, education level, and religiosity have a positive effect on Islamic financing with a value of fcount > ftable (4.723 > 2.34) and a sig value of 0.001 < 0.05.
PERSPEKTIF EKONOMI DAN BISNIS ISLAM MENGENAI PENGARUH INDEKS PEMBANGUNAN MANUSIA, PERTUMBUHAN EKONOMI, BELANJA MODAL, DAN TINGKAT PENGANGGURAN TERBUKA TERHADAP KEMISKINAN DI PROVINSI JAWA TIMUR TAHUN 2002-2021 Kusumaningrum, Ria; Kulsum, Umi; Aisyah Hafsari, Marsha Siti; Ananda, Della Rizki
Sahid Business Journal : Jurnal Penelitian Manajemen Bisnis Syariah: Program Studi Manajemen Bisnis Syariah Vol 2 No 02 (2023): Mei 2023
Publisher : Jurnal Penelitian Manajemen Bisnis Syariah: Program Studi Manajemen Bisnis Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbusinessjournal.v2i02.95

Abstract

Poverty is defined as one of the recurring core problems in human life. Poverty is a problem that is often encountered but never resolved in both developing and developed countries. Understanding the extent to which the Human Development Index (IPM), Economic Growth (GDP), Capital Expenditure, and the Open Unemployment Rate affect the poverty rate in East Java Province from 2002-2021 are all the overall objectives of this research. This analysis uses multiple regression models using time series data. The results of this study show that the HDI and capital expenditures have a significant negative effect on the poverty rate in East Java. Meanwhile Economic Growth (GDP) and Open Unemployment Rate (TPT) have a positive and significant influence on Poverty in East Java.
Co-Authors Abad, Geopani Agus Supriadi Aisyah Hafsari, Marsha Siti Amelia Oktaviani, Amelia Ananda, Della Rizki Fitri Lestari, Fitri Hasanah, Tita Herawati, Alda Iskandar, Lina Lisdayanti, Dina Melinasari, Susi Mulniasari, Nina Mursyidah, Azizah Nisa, Sadidatun Nurapriajul Kurnaen, Muhamad Reza Nurfauziah, Dhea Rafiduddin Riyadi, Fariz Fajar Rizki Maulana, Rizki Sakilah, Ilah Siti Hanggita Rachmawati J Trihantana, Rully Umi Kulsum