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Analisis Pengaruh Pelayanan Pada Lembaga Keuangan Syari’ah Terhadap Kepuasan dan Loyalitas Nasabah di Bank Muamalat Indonesia Kantor Cabang Yogyakarta Annas Syams Rizal Fahmi
Islamic Economics Journal Vol 5, No 2 (2019)
Publisher : University of Darussalam Gontor

Customer loyalty is a very important factor in the world of financial institutions because loyalty is largely determined by customer satisfaction itself, so customer satisfaction greatly affects customer loyalty. In this case, the researcher will examine the Financial Institution in terms of services provided to customers, whether the service has an influence on customer satisfaction and loyalty to financial institutions. Researchers are interested in Bank Muamalat Indonesia as the originator of Islamic banks in Indonesia, which can keep the economic system in Indonesia stable during the monetary crisis. In this case, as a Sharia Bank, financial institution services provided should be the maximum service in accordance with Islamic values, this is one of the factors researchers to analyze, whether the services provided by banks can provide satisfaction to consumers, and whether bank customers muamalat Indonesia already feel satisfied or not.Then to make it easier to analyze the data, the researcher used the SPSS measuring instrument, using instruments from the Likert scale, validity test, reliability test, classic assumption test. In analyzing the data the authors use primary data and secondary data, namely by questionnaires, and interviews and company documents as secondary data. Then it will be tested using multiple linear regression testing so that it will come out the data t arithmetic, t table, f arithmetic, and f table.Based on the t test the Service variable influences Customer Satisfaction at Bank Muamalat Indonesia Yogyakarta Branch Office, which can be shown by t count greater than table (1,981> 1,290). And based on the t test shows that t count is greater than t table (2.188> 1,290), meaning that the service variable has a significant positive effect on customer loyalty variables. From the results of research that has been measured with this SPSS tool, it is found that service has a significant effect on customer satisfaction and loyalty.

Model jual beli kredit (angsuran) pada Lembaga Keuangan Islam Non-Bank (Studi Kasus di Lembaga Keuangan Islam Non-Bank Kota Ponorogo) Ahmad Muqorobin; Annas Syams Rizal Fahmi
Al Tijarah Vol 6, No 2 (2020): December 2020
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tijarah.v6i2.4808

Jual-beli kredit (angsuran) sangat ramai beredar di masyarakat, dikarenakan keperluan masyarakat akan barang secara langsung, sedangkan pembelian tidak dapat dilaksanakan langsung atau kontan. Mekanisme ini memungkinkan untuk mendapatkan barang yang dibutuhkan dengan keterbatasan pendapatan yang mereka miliki, sehingga dengan transaksi demikian pembeli dapat memiliki barang-barang konsumsi tanpa harus membayar tunai. Islam mensyariatkan transaksi jual-beli dengan baik tanpa adanya unsur kesamaran, penipuan, riba dan dilakukan dengan dasar keridhoan. Tujuan khusus dari penelitian ini adalah untuk memperoleh model jenis jual-beli kredit (angsuran) yang dijalankan oleh lembaga keuangan Islam non-Bank, dengan tujuan tersebut dapat membantu nasabah untuk mendapatkan kebutuhan konsumtif maupun produktif demi memenuhi keperluan hidupnya. Penelitian ini menggunakan metode yuridis normatif yaitu penelitian hukum yang mempergunakan sumber data sekunder. Normatif, karena penelitian ini akan mengkaji dan menguji data-data sekunder mendapatkan pendapat para ulama fiqih, hukum-hukum, dalil-dalil dalam Al-Quran dan Hadist, yang berkaitan dengan model jual-beli kredit (angsuran) yang sesuai dengan syariat Islam. Hasil penelitian mengungkapkan jenis jual- beli kredit (angsuran) yang diterapkan oleh lembaga keuangan syariah non-Bank dan dapat menyesuaikan dengan model jual-beli kredit (angsuran) yang sesuai dengan ketentuan hukum Islam, sehingga kita semua bisa terhindar dari keraguan dan bertambah yakin serta bisa bermuamalah melakukan jual beli sesuai dengan prinsip-prinsip syariah dan terhindar dari riba.

Dinamika Regulasi Sertifikasi Halal di Indonesia Devid Frastiawan Amir Sup; Annas Syams Rizal Fahmi; Faridl Noor Hilal; Muhammad Irkham Firdaus
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 10, No 1 (2020)
Publisher : Universitas Alma Ata

The need for halal products in Indonesia is increasing rapidly, considering that Indonesia is a country that has a large Muslim population. To oversee that each product is halal guaranteed, one of the efforts made by the government is through regulation. In Indonesia, this regulation apparently experienced several changes/renewals. This study aims to describe how the dynamics of halal regulation in Indonesia from time to time. The method used is qualitative-descriptive-literature. The result obtained, that there are changes and renewal of regulations relating to the guarantee of halal products in Indonesia are the right steps (in his time) taken by the government to maintain the existence of halal products circulating in Indonesia to be in accordance with the concept of halal in Islam.

Implementasi Akad Murabahah Terhadap Platform Peer to Peer Lending Muhammad Irkham Firdaus; Devid Frastiawan Amir Sup; Annas Syams Rizal Fahmi; May Shinta Retnowati; Muhammad Abdul Aziz
MUAMALATUNA Vol 13 No 1 (2021): Januari-Juni 2021
Publisher : Fakultas Syariah UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37035/mua.v13i1.4582

Peer to peer lending menjadi solusi terbaik bagi para pengusaha UMKM, sehingga perkembangan start-up ini sangat cepat. Kemudahan dalam mekanisme yang ditawarkan menjadi faktor utama percepatan pertumbuhan start-up ini. Maka mulai berkembang beberapa platform peer to peer lending di Indonesia. Namun sistem yang digunakan masih berlandaskan pada sistem ekonomi konvensional, yang masih mengambil keuntungan dengan sitem bunga. Sementara bunga sangat dilarang dalam Islam, karena bunga dalam ekonomi Islam dianalogikan sebagai riba. Sedangkan dalam fiqh muamalah, transaksi yang halal adalah transaksi yang terlepas dari unsur-unsur maghrib (maisyir, gharar, dan riba). Supaya transaksi peer to peer lending terlepas dari unsur-unsur maghrib, maka peneliti akan membuat desain peer to peer lending yang sesuai dengan prinsip ekonomi Islam, dengan mengimplementasi akad murabahah pada transaksi peer to peer lending. Sehingga keuntungan yang diambil tidak menggunakan sistem riba. Penellitian ini menggunakan metode kualitatif-deskriptif-kepustakaan. Kesimpulan yang didapat adalah supaya transaksi peer to peer lending terhindar dari unsu-unsur maisyir, gharar, dan riba (maghrib), maka dapat diterapkan akad murabahah pada transaksi ini. Akad murabahah diterapakan pada ketiga pihak layanan peer to peer lending atau hanya pada kedua pihak saja, yaitu pihak pemberi pinjaman (lender) dan pihak penerima pinjaman (borrower). Penyelenggara layanan dan pihak memberi pinjaman berperan sebagai ba’i (penjual) dan penerima pinjaman berperan sebagai musytari (pembeli) selaku pihak yang mengajuakan pembiayaan untuk pembelian suatu barang yang dibutuhkan.

Pandangan Bisnis Syariah Terhadap Perkembangan Financial Technology (Study Kasus Fitur Serbu Seru dalam Aplikasi Bukalapak) Annas Syams Rizal Fahmi; Devid Frastiawan Amir Sup; Muhammad Irkham Firdaus; Fadhila Sukur Indra; Meitria Cahyani
Proceedings Series on Social Sciences & Humanities Vol. 5 (2022): Proceedings of Sharia Economic Law Faculty of Islamic Religion Universitas Muhammadiy
Publisher : UM Purwokerto Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/pssh.v5i.421

The phenomenon of buying and selling online through various features that place lower prices attracts buyers. The low price outside the normal price makes the people who see it interested in joining the program on Bukalapak's exciting attack feature. There is a lack of clarity in the terms of the contract and its implementation in the purchase of an item in the Bukalapak attack feature, it is stated that the initial contract is a sale and purchase contract but the item is drawn to get the winner of the item. So it is necessary to conduct research to discuss the analysis of the contract on this transaction. This study aims to determine the contract used for the online buying and selling transaction model of the Bukalapak attack feature. This research is qualitative in nature, with a descriptive analytical approach. This type of research is a library (library research) with the method of textbook analysis and literature study. The results of this study indicate that the pillars of buying and selling have fulfilled the elements in the sale and purchase contract. However, there are defects in the Kabul agreement, namely different payment times, the delivery of goods to buyers is not on time. The time is different because the sale and purchase agreement was originally a unidan system so buyers were randomly selected.

Analisis Penyelesaian Pembiayaan Murabahah Bermasalah Menurut Fatwa DSN MUI No.17/DSN-MUI/IX/2000 dan No. 43/DSN-MUI/VIII/2004 (Studi Kasus di BMT La Tansa Ponorogo) Zulfatus Sa'diah; Annas Syams Rizal Fahmi; Devid Frastiawan Amir Sup
Journal of Islamic Banking Vol 2 No 1 (2021): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (268.892 KB)

Non-performing financing, namely high Non-Performing Financing is certainly an important problem for Islamic banking, as well as in the Baitul Mal Wa Tamwil KJKS (Islamic Financial Services Cooperative). From the landing side, until now the only financing product at BMT La Tansa Ponorogo is Murabahah. From the system in murabahah itself, it uses the principle of musawamah. The process of negotiating (bargaining) on goods and prices is carried out between the BMT La Tansa Ponorogo and candidate of financing customers. In its journey, BMT La Tansa experienced a problem, namely the non-performing financing ratio which was still high. The methods used in collecting this data are observation, interviews, and documentation.This research is a field research which then analyzed using the DSN-MUI fatwa. The results obtained, that in the settlement of problematic murabahah financing, BMT La Tansa Ponorogo has several stages. Provide warning letters (SP) up to 3 times, confiscation of collateral, rescheduling. Where used in this sanction is mandatory infaq, which is the mandatory infaq amount of Rp. 1,000, - per day (during the late period) and it is already there and written at the beginning of the contract (agreement). While, in terms of ta'wid, BMT La Tansa does not apply ta'wid on non-performing financing made by customers. However, if it is at the final stage that you cannot fulfill the installment obligation, then the purchased item (collateral) is sold to cover the customer's shortage of installments.

Analisis Pengaruh Pelayanan Pada Lembaga Keuangan Syari’ah Terhadap Kepuasan dan Loyalitas Nasabah di Bank Muamalat Indonesia Kantor Cabang Yogyakarta Annas Syams Rizal Fahmi
Islamic Economics Journal Vol. 5 No. 2 (2019)
Publisher : University of Darussalam Gontor

Customer loyalty is a very important factor in the world of financial institutions because loyalty is largely determined by customer satisfaction itself, so customer satisfaction greatly affects customer loyalty. In this case, the researcher will examine the Financial Institution in terms of services provided to customers, whether the service has an influence on customer satisfaction and loyalty to financial institutions. Researchers are interested in Bank Muamalat Indonesia as the originator of Islamic banks in Indonesia, which can keep the economic system in Indonesia stable during the monetary crisis. In this case, as a Sharia Bank, financial institution services provided should be the maximum service in accordance with Islamic values, this is one of the factors researchers to analyze, whether the services provided by banks can provide satisfaction to consumers, and whether bank customers muamalat Indonesia already feel satisfied or not.Then to make it easier to analyze the data, the researcher used the SPSS measuring instrument, using instruments from the Likert scale, validity test, reliability test, classic assumption test. In analyzing the data the authors use primary data and secondary data, namely by questionnaires, and interviews and company documents as secondary data. Then it will be tested using multiple linear regression testing so that it will come out the data t arithmetic, t table, f arithmetic, and f table.Based on the t test the Service variable influences Customer Satisfaction at Bank Muamalat Indonesia Yogyakarta Branch Office, which can be shown by t count greater than table (1,981> 1,290). And based on the t test shows that t count is greater than t table (2.188> 1,290), meaning that the service variable has a significant positive effect on customer loyalty variables. From the results of research that has been measured with this SPSS tool, it is found that service has a significant effect on customer satisfaction and loyalty.

Model jual beli kredit (angsuran) pada Lembaga Keuangan Islam Non-Bank (Studi Kasus di Lembaga Keuangan Islam Non-Bank Kota Ponorogo) Ahmad Muqorobin; Annas Syams Rizal Fahmi
Al Tijarah Vol. 6 No. 2 (2020): Al Tijarah | December
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tijarah.v6i2.4808

Jual-beli kredit (angsuran) sangatÂ ramai beredar di masyarakat, dikarenakan keperluan masyarakat akan barang secara langsung, sedangkan pembelian tidak dapat dilaksanakan langsung atau kontan.Â Mekanisme ini memungkinkan untuk mendapatkan barang yang dibutuhkan dengan keterbatasan pendapatan yang mereka miliki, sehingga dengan transaksi demikian pembeli dapat memiliki barang-barang konsumsi tanpa harus membayar tunai. Islam mensyariatkan transaksi jual-beli dengan baik tanpa adanya unsur kesamaran, penipuan, riba dan dilakukan dengan dasar keridhoan. Tujuan khusus dari penelitian ini adalah untuk memperoleh model jenis jual-beli kredit (angsuran) yang dijalankan oleh lembaga keuangan Islam non-Bank, dengan tujuan tersebut dapat membantu nasabah untuk mendapatkan kebutuhan konsumtif maupun produktif demi memenuhi keperluan hidupnya. Penelitian ini menggunakan metode yuridis normatif yaitu penelitian hukum yang mempergunakan sumber data sekunder. Normatif, karena penelitian ini akan mengkaji dan menguji data-data sekunder mendapatkan pendapat para ulama fiqih, hukum-hukum, dalil-dalil dalam Al-Quran dan Hadist, yang berkaitan dengan model jual-beli kredit (angsuran) yang sesuai dengan syariat Islam. Hasil penelitian mengungkapkan jenis jual- beli kredit (angsuran) yang diterapkan oleh lembaga keuangan syariah non-Bank dan dapat menyesuaikan dengan model jual-beli kredit (angsuran) yang sesuai dengan ketentuan hukum Islam, sehingga kita semua bisa terhindar dari keraguan dan bertambah yakin serta bisa bermuamalah melakukan jual beli sesuai dengan prinsip-prinsip syariah dan terhindar dari riba.

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