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All Journal Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Shirkah: Journal of Economics and Business IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam International Journal of Islamic and Social Sciences (ISOS) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Muhamad Yusup
UIN MATARAM
Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Reaktualisasi Pemikiran Umar bin Abdul Aziz Dalam Manajemen Penganggaran Publik Muhamad Yusup
IQTISHADUNA Vol. 11 No. 2 (2020): Iqtishaduna: Jurnal Ekonomi dan Keuangan Islam
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (426.293 KB) | DOI: 10.20414/iqtishaduna.v11i2.2705

Abstract

Manajemen penganggaran publik diperlukan untuk melahirkan paradigma baru dari traditional budget menuju performance budget. Implementasi penganggaran publik saat ini tidak sepenuhnya sesuai dengan perencanaan, pelaksanaan, dan evaluasi penganggaran, karena minimnya keterlibatan masyarakat. Besarnya postur anggaran belanja pada bidang tertentu menjadikan tidak terlaksananya pembangunan dengan baik. Islam memberikan alternatif pengelolaan penganggaran dengan memaksimalkan sumber daya alam dan manusia yang dikelola langsung oleh pemerintah dengan tujuan mewujudkan keadilan, kesejahteraan, dan kemakmuran bagi masyarakat. Fenomena ini memunculkan beberapa permasalahan, diantaranya bagaimana mekanisme perencanaan, pelaksanaan, dan evaluasi manajamen penganggaran publik, dan bagaimana manajemen penganggaran publik dalam mencapai sasaran pembangunan dalam perspektif Islam. Gambaran secara umum menyatakan bahwa perencanaan, pelaksanaan, dan evaluasi penganggaran publik pada prinsipnya belum memenuhi standar pola penganggaran publik, karena minimnya keterlibatan masyarakat. Menelaah pemikiran Umar bin Abdul Aziz dalam manajemen penganggaran publik memberikan wacana baru tentang bagaimana pola penganggaran publik yang memiliki konsep prinsip dasar bahwa segala bentuk kekayaan yang dikelola oleh negara adalah untuk kepentingan rakyat, dengan memaksimalkan sumber pendapatan yang berorientasi pada prinsip mashlahah dan menghindari masyaqqah. Sumber pendapatan dimaksud adalah optimalisasi potensi zakat, infaq, dan shadaqah sebagai pendapatan asli. Implikasi teorinya, bahwa tidak ada perbedaan antara penganggaran dalam perspektif Islam maupun penganggaran pada umumnya berdasarkan kaidah tasarruf al-imam ala ra’iyyah manutun bi al-maslahah. Perpaduan kedua konsep dan teori tersebut menghasilkan pola baru dalam manajemen penganggaran publik, yang berorientasi pada mashlahah, berkeadilan, menghindari masyaqqah, dan memiliki keseimbangan (equilibrium), untuk mencapai kesejahteraan dan kemakmuran rakyat.
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.
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.
DETERMINAN PEMBIAYAAN MUDHARABAH PADA BANK UMUM SYARIAH BUKU 2 TAHUN 2017-2020 Rusdi Bahalwan; Edi Muhammad Jayadi; Muhamad Yusup; Herawati Khotmi
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 5 No 2 (2022): Article Research Volume 5 Number 2, Juni 2022
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v5i2.862

Abstract

Mudharabah financing is the first financing introduced in Islamic banking. It is a collaboration between the owner of capital and the manager with the distribution of profits according to mutual agreement. Ways to measure the performance of Islamic banking are by looking at the value of CAR, FDR, TPF, and ROA. This study aims to examine the effect of CAR, FDR, TPF & ROA partially on mudharabah financing at Islamic Commercial Banks in Book 2 for the 2017-2020 period and to examine the effect of CAR, FDR, DPK & ROA simultaneously on the financing. This research is quantitative where the population is the Islamic commercial Bank in Book 2 and the samples are 4 banks using quarterly financial reports so that the sample of this study is 64. The analysis used is the Classical Assumption test and then the Hypothesis test data processing assisted with SPSS. The results of the study indicate that CAR & TPF positively affect mudharabah financing and FDR & ROA have no effect on the financing. Meanwhile, CAR, FDR, TPF, ROA altogether have a positive effect on it.
Analisis Pengelolaan Wakaf Uang pada Koperasi Simpan Pinjam Pembiayaan Syariah (KSPPS) Gumarang Akbar Syariah Mataram Rani Lestari; Muhamad Yusup; Pongky Arie Wijaya
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 5 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i5.2205

Abstract

The Gumarang Akbar Syariah Mataram Savings and Loans Cooperative (KSPPS) is an institution that manages zakat and waqf funds for the welfare of the people. This study aims to determine the process of cash waqf management and to determine the effectiveness of cash waqf management at KSPPS Gumarang Akbar Syariah Mataram. The type of research used is qualitative with a descriptive approach and the data collection techniques used are observation, interviews and documentation. The results of this study indicate that the waqf implemented by KSPPS Gumarang Akbar Syariah Mataram is in the form of cash waqf. In collecting waqf funds, the proceeds from collecting waqf money are used for empowerment/economic welfare of the people and for social-religious activities. And the management of cash waqf carried out by KSPPS Gumarang Akbar Syariah Mataram has not been implemented effectively because the funds managed are still very minimal. And if seen from the regulations BWI Regulation Number 1 of 2009 concerning guidelines for the management and development of movable waqf assets in the form of money, they are still carried out in a simple manner or have not been implemented in accordance with these guidelines.
Persepsi Nasabah KPR Sejahtera Tapak pada PT Bank NTB Syariah pada Kantor Cabang Pejanggik Siti Khairunnas; Muh. Salahuddin; Muhamad Yusup; Fachrozi Fachrozi
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 7 No 2 (2024): INPRESS : Artikel Periode Juli 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v7i2.1570

Abstract

Bank NTB Syariah sebagaisalah satu perbankan syariahberperan penting dalam menyediakan fasilitas pembelian rumah melalui pembiayaan kepemilikan rumah (KPR) untuk masyarakat berpenghasilan rendah (MBR) yang disebut dengan KPR Sejahtera tapak. Tujuan penelitian ini adalah untuk mengetahui persepsi nasabah tentang tingkat margin, uang muka dan biaya administrasi pembiayaan KPR Sejahtera Tapak pada Bank NTB Syariah Kantor Cabang Pejanggik. Metode yang digunakan adalah kualitatif deskriptif, dengan data yang diperoleh dari hasil wawancara dengan nasabah dan pejabat pemangku kebijakan pada layanan pembiayaan tersebut. Hasil penelitian ditemukan bahwa besaran margin yang ditetapkan sebesar 5% pada produk tersebut masih dirasa berat oleh nasabah, demikian pula besaran uang muka, akan tetapi untuk uang muka ini pihak bank memberikan keringanan negosiasi selama uang muka yang diminta nasabah sesuai SOP Bank. Adapun biaya administrasi yang dibebankan oleh nasabah sudah sesuai dengan SOP produk tersebut.
Co-Authors Aminy, Muhammad Muhajir Azizurrohman, Muhammad Edi Muhammad Jayadi Fachrozi Fachrozi Gatot Suhirman Khotmi, Herawati Lalu R. Ibnu Maimunah Johari Muh. Salahuddin Pongky Arie Wijaya Rani Lestari Riduan Mas’ud Rusdi Bahalwan Siti Khairunnas