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All Journal Al-bank: Journal of Islamic Banking and Finance JIFTECH: Journal Of Islamic Financial Technology Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Santri : Jurnal Ekonomi dan Keuangan Islam
Lilis Renfiana
IAIN Metro Lampung
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Perbandingan Kinerja Bank Pembiayaan Rakyat Syariah dan Bank Perkreditan Rakyat di Indonesia Aniesatun Nurul Aliefah; Lilis Renfiana
Al-bank: Journal of Islamic Banking and Finance Vol 1, No 2 (2021): July - Desember 2021
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (631.713 KB) | DOI: 10.31958/ab.v1i2.4262

Abstract

The purpose of this study is to compare the performance of The Conventional Rural Bank (BPR) and Islamic Rural Bank (BPRS) in Indonesia using the REC method which consists of a risk profile, earnings, and capital during the 2015-2017 period. The risk profile factor is represented by the NPF indicator, income is represented by ROA and capital is represented by CAR. By using the purposive sampling method, as many as 43 Islamic Rural Bank (BPRS) and 63 Conventional Rural Bank (BPR) were obtained from secondary data sourced from annual financial reports published on the bank's official website. The analysis technique was then carried out using the Mann-Whitney-U test to compare the performance of the two banks. The results of this study indicate that there is a significant difference in NPF between the two banks at a significance level of 0.006; There is no significant difference in ROA and CAR between Islamic general financing banks and rural credit banks in Indonesia at the ROA significance level of 0.070 and CAR 0.239, respectively. The implication of this research implies that the performance of Islamic BPRs still has a great opportunity to develop in the future and is a big challenge, especially for the management of Indonesian Islamic BPRs and the central bank (Bank Indonesia) as a bank. regulators.
Prudential Banking Principle Implementation In Murabahah Financing On PT. Sumut Sharia Bank Branch Padangsidimpuan sry Lestari; Lilis Renfiana; Fitri Arianti
Journal of Islamic Financial Technology Vol 1, No 2 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (318.811 KB) | DOI: 10.24952/jiftech.v1i2.6688

Abstract

Based on the data on the number of murabahah financing customers of PT. Bank Sumut Padangsidimpuan Sharia Branch As of 31 December 2016-2019. In 2017 it decreased by 5.15 percent, in 2018 it experienced an increase of 5.36 percent, and in 2019 it experienced an increase of 6.01 percent. Therefore researchers are interested in researching the implementation of prudential banking principles in murabaha financing. The purpose of this study was to determine the application of the prudential banking principle in murabahah financing at the Padangsimpuan Branch of Bank Sumut Syariah. The theory used in this study is the theory of applying, the theory of the prudential principle, the theory of murabaha, the theory of murabaha financing. This research is descriptive qualitative with data collection techniques using interviews, observation, and documentation, while the data sources used are primary data and secondary data. From the results of this study it can be concluded that the implementation of prudential banking principle is the 5C principle of character, capacity, capital, economic conditions, collateral. collateral). The implementation of the prudential banking principle for murabahah financing has implemented the 5C principle. It can be seen that in 2018 and 2019 there has been an increase.
Strategi Pemasaran Syariah dalam Upaya Meningkatkan Penjualan Sate Madura (Studi Pada warung sate Madura Cak Budi dijalan Imam Bonjol Kota Metro Muhammad Aldo; Ria Sulistiani; Lilis Renfiana
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 1 No. 4 (2023): November : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v1i4.695

Abstract

Marketing management strategy is a process that allows an organization or company to explore large market opportunities, increase sales, and achieve the desired level of profit. The importance of marketing management strategy also lies in its role as a vital tool in securing the company's position in business competition. The main goal of marketing is to carry out transactions, provide services, fulfill needs, and accommodate customer desires to ensure their satisfaction. The marketing function primarily involves product development. If there is a decline in the acceptance of products in circulation, additional steps in product development are needed to suit the dynamics of business development. In the context of the problems faced, the author focuses on two main problems: 1) how marketing management strategies can increase sales at the Sate Madura Cak Budi stall on Jalan Imam Bonjol and Cak Umar on Jalan Soekarno Hatta, 2) what factors support or hampering marketing management strategies in increasing sales at the two stalls. This research adopts qualitative research methods using observation, interviews and documentation as data collection techniques. The main objective is to provide a detailed and structured explanation about the implementation of sharia marketing management strategies to increase sales at the Sate Madura stalls Cak Budi and Cak Umar. These two stalls apply a sharia marketing approach using the 4P marketing mix concept (product, price, promotion, place). The main supporting factors for this strategy are strategic locations that are easily accessible to consumers and communication strategies aimed at attracting customers from outside the Metro City area. However, the main obstacle for the Sate Cak Budi and Cak Umar stalls is the fairly tight competitive situation in the Metro City area.
Pemberdayaan Ekonomi Melalui Integrated Farming di dalam Pondok Pesantren Nasyrul ‘Ulum Akbar Setia Budi; Andri Juniarta; Asta Gilang Patria; Lilis Renfiana
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 1 No. 6 (2023): Desember : SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v1i6.209

Abstract

As a religious institution, Islamic boarding schools have enormous potential in advancing prosperity and economic development. They also have a significant impact on the daily lives of the students who attend. Therefore, the Nasyrul 'Ulum Islamic boarding school which is located at Tempuran 12a Central Lampung created an integrated agricultural business unit to advance its welfare and economic development. The purpose of this research is to describe and evaluate the following things: the steps in establishing an integrated agricultural business unit (IFB) in Islamic boarding schools, the business unit carried out is catfish cultivation, where waste from food or leftovers from students is made into catfish feed and catfish wastewater are used as organic plant fertilizer; the results of this process for the economy of these schools; and factors that facilitate or hinder the growth of the Islamic boarding school economic trend. Researchers use a qualitative approach to answer the problem formulation. Research findings show that the Islamic boarding school's efforts to develop its economy through integrated agricultural business units have succeeded in increasing the boarding school's income and creating jobs for the community around the boarding school and especially alumni of the Nasyrul 'Ulum Islamic boarding school and how many jobs are available in accordance with the amount of effort made, source available resources, and the extent to which the community is involved in the program. Apart from creating jobs, it can also increase the knowledge, skills and experience of both local communities and students in the agricultural sector. Especially in the field of fisheries cultivation.
Co-Authors Akbar Setia Budi Andri Juniarta Aniesatun Nurul Aliefah Asta Gilang Patria Fitri Arianti Lestari, M.E.I, Sry Muhammad Aldo Ria Sulistiani