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The Influence of CAR, FDR, NOM and TPF on Murabahah Financing at Sharia Banks BUKU 3 of 2020 with NPF as Moderating Variable Riduan Mas'ud; Fachrozi Fachrozi; Muhammad Muhajir Aminy; Athar Shahbaz Wani
IKONOMIKA Vol 6, No 2 (2021)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (242.115 KB) | DOI: 10.24042/febi.v6i2.11667

Abstract

This study aims to examine murabahah financing influenced by credit adequacy  ratio, financing to deposit ratio, net operating margin and third party funds with non performing finance as a moderating variable at BUKU 3 sharia commercial banks in 2020. Method used is quantitative associative and data analysis technique using moderated regression analysis with SPSS version 25 tool which contains PROCESS 3.1 macro syntax. The population in this study is Sharia Commercial Banks included in the BUKU 3 category so that a sample of 4 banks is obtained;  Bank Syariah Mandiri, BNI Syariah, BRI Syariah and BTPN Syariah. The effect of credit adequacy ratio through murabahah financing on non performing finance shows that non performing finance has no effect as a moderating variable affecting credit adequacy ratio through murabahah financing, financing to deposit ratio through murabahah financing on non performing finance shows that non performing finance has an effect as a moderating variable affecting financing to deposit ratio through murabahah financing, the effect of net operating margin through murabahah financing on non performing finance shows that non performing finance influential as a moderating variable affecting net operating margin through murabahah financing, the effect of third party funds through murabahah financing on non performing finance shows that non performing finance has an effect as a moderating variable affecting third party funds through murabahah financing.
Brand Value and Tourists’ Satisfaction in Lombok Indonesia as a Halal Tourism Destination Muhamad Yusup; Riduan Mas'ud; Maimunah Johari
Shirkah: Journal of Economics and Business Vol 7, No 1 (2022)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (609.84 KB) | DOI: 10.22515/shirkah.v7i1.403

Abstract

Since 2015, the Ministry of Tourism and Creative Economy of the Republic of Indonesia has appointed Lombok of West Nusa Tenggara as a halal tourism destination. Because of its natural beauty, which is comparable to that of Bali, the majority of the population is Muslim, and the island has a distinct religious culture and history, Lombok has a lot of promise in promoting halal tourism in Indonesia. This study intends to elucidate the relationship between destination brand awareness, brand image, brand quality, and destination brand value in increasing the destination brand satisfaction of tourists visiting Lombok. This study proposes a new model and clarifies the concept of a new indicator on the variable of destination brand value. Upon analysis of structural equation modeling (SEM) using convenience sampling employing WarpPLS software to 250 respondents, it was proven that the research model was accepted with a coefficient of determination (R2) of 86.6%. The proposed model shows destination brand value to be a determinant of tourists’ satisfaction. The model also proves that indicators of convenience, reasonable cost, fun, and getting benefits make a positive contribution to brand value destinations. This study offers practical implication that tourism managers should pay attention to and improve brand image, which currently has little impact on destination brand value, by building brand popularity and competitive advantages.
Pengaruh Return, Risiko Dan Harga Saham Terhadap Minat Berinvestasi Anggota Galeri Investasi Syariah (GIS) Uin Mataram Pada Pt. Phintraco Securities Zaenul Wahyudi; H. Ahmad Amir Aziz; Riduan Mas’ud
Schemata: Jurnal Pasca Sarjana IAIN Mataram Vol. 10 No. 1 (2021): Schemata: Jurnal Pascasarjana UIN Mataram
Publisher : Universitas Islam Negeri (UIN) Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (296.972 KB) | DOI: 10.20414/schemata.v10i1.3496

Abstract

This study aims to determine the effect of return, risk and stock prices on the investment interests of members of the UIN Mataram Islamic Investment Gallery (GIS). Population GIS UIN Mataram members as many as 44 members, while the samples taken were as many as 24 GIS members. Data collection techniques using a closed questionnaire that has been tested for validity and reliability. The data analysis technique used to answer hypotheses is multiple linear regression. The results of this study indicate that the return variable significantly influences the investment interest of GIS UIN Mataram members with a tcount greater than the ttable (tcount> ttable) of 2,459> 2,086 with a significance value of 0.023 which is below 0.05, with the regression coefficient having a value of positive of 0.282. The risk variable has no influence on the investment interest of GIS UIN Mataram members with a tcount smaller than the ttable value (tcount <ttable) which is 1,510 <2,086 with a significance value of 0.147 which is above 0.05. The stock price variable significantly influences the value of tcount greater than the value of ttable (tcount> ttable) which is 4,625> 2,086 with a significance value of 0,000 which is below 0.05, with the regression coefficient having a positive value of 0.902. jointly the return, risk and stock price variables significantly influence the investment interests of GIS UIN Mataram members with R2 (Determination) of 83.3%, the remaining 16.7% is influenced by other factors. Keywords: Return, Risk, Share Price, Interest in Investing, Investment Penelitian ini bertujuan untuk mengetahui pengaruh return, risiko dan harga saham terhadap minat berinvestasi anggota Galeri Investasi Syariah (GIS) UIN Mataram. Populasi Anggota GIS UIN Mataram sebanyak 44 Anggota, adapun sampel yang diambil adalah sebanyak 24 orang anggota GIS. Teknik pengumpulan data menggunakan kuisioner tertuttup yang telah diuji validitas dan reliabilitasnya. Teknik analisis data yang digunakan untuk menjawab hipotesis adalah regresi linier berganda. Hasil penelitian ini menunjukkan bahwa variabel return berpengaruh secara signifikan terhadap minat berinvestasi anggota GIS UIN Mataram dengan nilai thitung lebih besar dibandingkan dengan nilai ttable (thitung > ttable) yaitu 2.459 > 2.086 dengan nilai signifikansi 0.023 yang berada di bawah 0.05, dengan koefisien regresi mempunya nilai positif sebesar 0.282. Variabel risiko tidak memiliki pengaruh terhadap minat berinvestasi anggota GIS UIN Mataram dengan nilai thitung lebih kecil dibandingkan dengan nilai ttable (thitung < ttable) yaitu 1.510 < 2.086 dengan nilai signifikansi 0.147 yang berada diatas 0.05. Variabel harga saham berpengaruh secara signifikan dengan nilai thitung lebih besar dibandingkan dengan nilai ttable (thitung > ttable) yaitu 4.625 > 2.086 dengan nilai signifikansi 0.000 yang berada di bawah 0.05, dengan koefisoen regresi memiliki nilai positif 0.902. secara bersama-sama variabel return, risiko dan harga saham berpengaruh secara signifikan terhadap minat berinvestasi anggota GIS UIN Mataram dengan R2 (Determinasi) sebesar 83,3%, sisanya sebanyak 16,7% dipengaruhi oleh faktor lain. Kata kunci: Return, Risiko, Harga Saham, Minat Berinvestasi, Investasi.
Analyzing the Responsiveness of Non-Bank Financial Institutions in Digital Marketing: A Case Study of BMT in West Nusa Tenggara Riduan Mas’ud; Muhammad Azizurrohman
International Business and Accounting Research Journal Vol 6, No 1 (2022): January 2022
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Islam Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (178.9 KB) | DOI: 10.35474/ibarj.v6i1.234

Abstract

Banks and non-bank financial institutions must adapt to the rapid advancement of technology. This is owing to shifts in people's consumption behaviors around the world, who formerly used traditional methods and are now transitioning to digital ones. The development of numerous forms of financial services that make it easier for customers to transact is aided by technological sophistication. Baitul Maal Wat Tamwil (BMT) is a non-bank financial institution that serves the lower middle class with financial services. As a result, it is critical to take several strategic initiatives to expand the organization's position in community assistance. This research intends to propose an alternate strategy for BMTs in expanding their institutions in the contemporary digital era, particularly in West Nusa Tenggara. The authors used a snowball sampling methodology to collect data using a descriptive qualitative method and a literature review. BMT must take various steps, according to this study, including website marketing, search engine marketing, social media marketing, online advertising, email marketing, and video marketing. However, in West Nusa Tenggara, BMT has not taken a step forward in digital marketing. Only a few organizations have begun to see the value of digital marketing.
Effects of Customer Relationship Marketing, Service Quality, and Product Excellence On Customer Value and Its Effects on Satisfaction and Loyalty of PT. Bank Syariah Mandiri Customers Riduan Mas’ud; Muhamad Yusup
International Journal of Islamic and Social Sciences (ISOS) Vol. 1 No. 3 (2021): Vol. 1 No. 3 (2021): ISOS : International Journal of Islamic and Social Science
Publisher : UIN Mataram

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

Abstract

This research aims to determine the effects of customer relationship marketing, service quality, and product excellence on customer value, and its effects on the satisfaction and loyalty of PT. Bank Syariah Mandiri customers in West Nusa Tenggara (NTB). The research method used survey method involving 250 people as the samples taken in sensus manner. The data collection used questionnaire and the data analysis used Structural Equation Modelling (SEM). Results of the research indicate that each factor and construct affect recursively, namely customer relationship marketing, service quality, and product excellence affecting on the customer value; the customer value affects on the customer satisfaction, and the customer satisfaction affects on the customer loyalty.
CREDIT RISK MANAGEMENT CONTROL ON SME SEGMENT: STUDY CASE OF XYZ BANK BRANCH SURABAYA Ludmila Mayasari; Eric Harianto; Riduan Mas’ud; Uzair Albazi; Nursaid Nursaid
Jurnal Aplikasi Manajemen Vol 20, No 2 (2022)
Publisher : Jurusan Manajemen Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2022.020.02.17

Abstract

The study is conducted to explain the suitability of credit risk control management to minimize the non-performing loans at XYZ Bank Branch Surabaya as stipulated by the Basel Accord Committee in Financial Services Authority Regulation No. 18/PJOK.03/2016 about the Implementation of Risk Management for Commercial Banks. Based on the Basel III guidelines, credit risk management includes seven mechanisms. The seven mechanisms are the policy framework, credit risk rating framework, credit risk limits, credit risk modeling, credit risk mitigation, credit audits, and loan review mechanisms. The study uses a qualitative study by the case study approach. The results showed that the control of credit risk management implemented by Bank XYZ Surabaya Branch to minimize non-performing loans to individual debtors in the SME segment had not run effectively. It was primarily about the evaluation of credit risk, which led to the emergence of a new set of risks such as errors in credit risk evaluation, target market losses and ineffective allocation of loan funds, and inadequate strategies for collecting net credit to customers. The study also provides several recommendations for credit risk management as the strategy to reduce the risk of lending to individual debtors in the SME segment at XYZ Bank Branch Surabaya.
PENGARUH TEKNOLOGI KEUANGAN DAN KUALITAS LAYANAN DIGITAL TERHADAP KEPUASAN NASABAH PADA BANK SYARIAH INDONESIA KCP MASBAGIK Vina Yolanda; Riduan Mas’ud; Shofia Mauizotun Hasanah
IQTISHADUNA Vol. 13 No. 1 (2022): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (865.583 KB)

Abstract

This study aims to determine the effect of financial technology and digital service quality at BankSyariah Indonesia KCP Masbagik on customer satisfaction either partially or simultaneously. Andwhat is used in this study is primary data obtained directly from the answers of 100 respondentswho are customers of Bank Syariah Indonesia KCP Masbagik who use digital service facilitiessuch as BSI Mobile, BSI Internet Banking, BSI SMS Banking, and ATM. The analytical methodused is multiple linear regression analysis method. The results show that (1) the significance levelof the financial technology variable (X1) is 0.097, which is smaller than = 0.1. So it can beconcluded that Ho is rejected and Ha is accepted, which means that the financial technologyvariable (X1) has a significant effect on customer satisfaction. (2) the level of significance of thedigital service quality variable (X2) is 0.006 which is smaller than = 0.1. So it can be concludedthat Ho is rejected and Ha is accepted, which means that the digital service quality variable (X2)has a significant effect on customer satisfaction. (3) the acquisition of the Fcount value of 8.789with a Sig value of 0.000. Which hereby indicates that the value of Fcount is greater than thevalue of Ftable and the value of Sig is less than 0.1. It can be concluded that Ho is rejected andHa is accepted. This shows that financial technology and digital service quality together have asignificant influence on customer satisfaction. (4) the value of R2 (R Square) is 0.625 or 62.5%.These results show that the influence of financial technology and digital service quality oncustomer satisfaction is 62.5%. So it can be concluded that the independent variable used in thismodel is able to explain the dependent variable of 62.5%. While the remaining 37.5% isinfluenced by other variables that are not included in this research model
Peace strategies and approaches for resolving the conflict of terrorism in Indonesia M. Syamsurrijal; Riduan Mas’ud; Muhammad Muhajir Aminy
International journal of health sciences Special Issue IV
Publisher : Universidad Tecnica de Manabi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53730/ijhs.v6nS4.10474

Abstract

The end of the Cold War marked the shift of world threats from traditional military threats to asymmetric non-traditional threats of terrorism. Terrorist groups emerge with various backgrounds. Domestic political instability in the form of conflict and separatism to revenge motivation or being affected by the threat of terrorism in other countries. This research aims to analyze the strategy and approach of peace to resolve the terrorism conflict. The method used in this research is a literature review. The data sources in this study were taken from the Scopus database and several other databases such as Connected papers, Openknowledge maps, and Google Scholar to support this research. Then some data were taken from the news. The findings in this study emphasize that apart from the complex approach and the soft approach as an approach in resolving the conflict of terrorism, other approaches can be used as an alternative approach, namely the conflict triangle, where this approach has not been widely adopted in Indonesia.
The complexity of policy making in pandemic crisis: Harmonizing national policy with global prevention pandemic policy Riduan Mas’ud; M. Syamsurrijal
International journal of health sciences Special Issue VI
Publisher : Universidad Tecnica de Manabi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53730/ijhs.v6nS6.10478

Abstract

The purpose of this paper is to investigate the complexity of policy making in the pandemic crisis in the current situation. How do the all countries make “trial and error” policy model in dealing with the dynamic changing environment. The administrative state's exclusive ability to guide and manage public policy and administration is increasingly being challenged in both developing and developed countries. The research approach is content review of official documents and online news from each continent, which is defined by a few nations, in order to get a broad image of how complicated policymaking is. This call identifies a slew of regional and global governance actors with sway over state administrative and policy decisions. The findings are there has been a proliferation of institutional procedures and policy-making mechanisms and beyond but frequently conflicting with conventional state policy processes of the government policy delivery. Upcoming Events Formal and informal institutions and actors, often in conjunction with national public administrations, but more often on their own, are at the heart of these policy processes. Multi-stakeholder ventures, global public-private partnerships, and global commissions are all examples of this.
E-Channel strategy of Bank NTB Syariah in improving service productivity during the COVID-19 pandemic Riduan Mas’ud; Lalu R. Ibnu; Muhammad Azizurrohman; Muhammad Muhajir Aminy; Gatot Suhirman; Muhamad Yusup
International journal of health sciences Special Issue VI
Publisher : Universidad Tecnica de Manabi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53730/ijhs.v6nS6.10485

Abstract

This study aims to analyze the implementation of the E-Channel strategy in Bank NTB Syariah. The primary focus is elaboration, performance, and impact of E-Channel strategy in Bank NTB Syariah in improving service productivity during the COVID-19 pandemic. The basis of primary data is obtained from Bank NTB Syariah's main office, including Directors, General Managers of related divisions, and expert staff. The results showed that the E-Channel strategy implemented by Bank NTB Syariah in improving service productivity during the COVID-19 pandemic was a catalyst for implementing its E-Channel systems, such as adding office networks and building Main Offices, machines, features, booths, and ATM stickers based on the corporate branding. In terms of digital services, Bank NTB Syariah increased Electronic Data Capture (EDC) machines, Laku Pandai services, perfecting m-banking, and partnerships with other digital payments and the Quick Response Code Indonesian Standard (QRIS). The implementation of this E-Channel strategy has a significant impact on the productivity of Bank NTB Syariah services, particularly in terms of efficiency and bank income from fee-based income, strengthening company branding, encouraging sustainable business growth, and providing Bank NTB Syariah with a competitive advantage.