Mukhamad Roni
Institut Agama Islam Al Hikmah Tuban

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Pengaruh Keunggulan Produk Pembiayaan Murabahah, Rahn Dan Penerapan Nilai-Nilai Islam Dengan Kualitas Pelayanan Terhadap Kepuasan Nasabah Pada PT BPR Syariah Lantabur Tebuireng Kantor Cabang Gresik Guffron Abdul Azis; Mukhamad Roni; Taufiq Anshori
Journal of Sharia Economics Vol 2 No 2 (2020): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v2i2.126

Abstract

The objectives of this research were to find the influence of murabahah, rahn financing product superiority and the application of Islamic values ​​with quality of service to customer satisfaction in Islamic banks (PT BPR Syariah Lantabur Tebuireng Cabang Gresik). The approach of this research was quantitative using primary data. The sample in this research were customers of PT BPR Syariah Lantabur Tebuireng Cabang Gresik. With the sampling technique using non-probability sampling, so the authors get a total sample of 75 respondents. Analysis of the data in this research using Smart PLS 2.0 analysis tools. The results showed that Murabahah Financing a significant positive effect on Service Quality. Rahn had a significant positive effect on service quality. Islamic values ​​had a positive and not significant effect on service quality. Service Quality had a significant positive effect on Customer Satisfaction. Murabahah Financing had no significant negative effect on Customer Satisfaction. Rahn had a significant positive significant effect on Customer Satisfaction. Islamic values ​​had an insignificant negative effect on customer satisfaction. From the results of the path test, intervening variables it was service quality proven to be able to mediate the relationship between, Murabahah Financing, Rahn and Islamic Values ​​on customer satisfaction of PT BPR Syariah Lantabur Tebuireng Cabang Gresik. Keywords: Murabahah, Rahn, Islamic Values, Service Quality, Customer Satisfaction.
Islamic Business Ethics: How to Apply it on the Supply Chain Management? Agus Wahyu Irawan; Mukhamad Roni; Heri Kuncoro Putro
Journal of Sharia Economics Vol 3 No 1 (2021): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v3i1.180

Abstract

The purpose of this research was analyzing the application of Supply Chain Management in the perspective of Islamic business ethics. Islamic business ethics is related to the implementation of Supply Chain Management in related companies, from the purchasing process of production, retail distribution to consumption by the public. There needs to be a concept of applying Islamic business ethics as a basis for doing business. Business ethics are sometimes ignored by business people. By applying business ethics, a businessman can understand even very difficult business competition, how to maintain good manners, be friendly, how to dress properly and how to speak words to deal with customers, all of which has meaning. business people do everything they can to get high profits, even business people often ignore the ethics that must be considered in running a business. The method used in this research was qualitative research by using the document analysis. The results of this article on the application of Supply Chain Management in the perspective of Islamic business ethics were that every company when conducting its business must have elements of unity, justice, free will, responsibility and virtue.
The Efeect of Marketplace on Consumer Satisfaction of Shopee Platform in Jember District, Indonesia Muhammad Syarofi; Rusmini Rusmini; Utrotul Mu’allimah; Mukhamad Roni
Journal of Sharia Economics Vol 4 No 1 (2022): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v4i1.293

Abstract

Marketplace is a new business model that develops along with the evolution of IT infrastructure (Information Technology). The existence of a marketplace makes consumptive people prefer to spend their money to buy a desired product quickly and easily. This has something to do with consumer satisfaction, consumer satisfaction is the level of one’s feelings after comparing the expected performance or product results with expectations. Shopee is a marketplace with monthly visitors which from the 3rd quarter of 2019 to the fourth quarter of 2020 experienced a continuous increase. However, in the first quarter of 2021, shopee experienced a decrease in monthly visitors from 129.3 million visitors to 127.4 million visitors. This made Tokopedia one rank above Shopee with 135.1 million visitors. This survey was conducted to determine the influence of the marketplace on consumer satisfaction on the Shopee platform in Jember District. This was quantitative research with the type of survey research. The population used was the people of Jember District, with purposive sampling technique, while the formula used to determine the number of samples was using the Cochran formula. The data collection used questionnaire method and measuring variables with a Likert scale. Analysis of research data with inferential tests include t test (partial), F test (simultaneous), R2 test (coefficient of determination), and multiple linear regression test. This research concluded that 1) The marketing mix had no significant effect on consumer satisfaction, the value of tcount was 1.857 < ttable 1.980. 2) Human resources did not have a significant influence on consumer satisfaction, the tcount value was 1.557 < ttable 1.980. 3) Information technology had a significant influence on consumer satisfaction, the value of tcount was 2,040 > ttable 1,980. 4) Expedition had a significant effect on consumer satisfaction, the tcount value was 3.735 > ttable 1.980. 5) The marketing mix, human resources, information technology, and expeditions simultaneously had a significant effect on customer satisfaction with the Fcount 28.505 > Ftable 2.47, the R Square value was 0.545 or 54.5%
Pengaruh Manajemen Risiko Dengan Good Corporate Governance Sebagai Variabel Moderating Terhadap Kinerja Keuangan BRI Syariah Periode 2015-2019 Syafi Nazariyah; Mukhamad Roni; Nurul Azizah Ria Kusrini
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 (342.646 KB)

Abstract

Good and bad pictures of a company regarding the level of success achieved can be seen from the financial performance of a company. Banking institutions have a high level of complexity and risk, so applying a good risk management system can improve bank financial performance with through Good Corporate Governance. This study aims to determine the effect of risk management as measured by the NPF ratio to measure financing risk, BOPO to measure operational risk and CAR to measure capital adequacy on financial performance as measured by ROA, ROE and NPM ratios and to determine the effect of GCG as measured by the size of the board of commissioners, the size of the board of directors, the size of the audit committee and the size of the sharia supervisory board as a moderating variable for risk management on the financial performance of BRI Syariah banks for the period 2015-2019. This study used quantitative research methods. and analysed data using Partial Least Square Software, namely the SmartPLS version 2 program. The results of this study indicate that risk management as measured by the NPF, BOPO and CAR ratios has a significant negative effect on financial performance at BRI Sharia Banks and GCG has not been able to moderate risk management on financial performance.
Pengaruh Pendapatan Mudharabah Dan Murabahah Terhadap Return On Asset Mukhamad Roni
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol 4 No 2 (2021): Juli
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (706.357 KB) | DOI: 10.52166/adilla.v4i2.2517

Abstract

Pendapatan mudharabah ialah penghasilan yang diperoleh dari kegiatan usaha memberikan pembiayaan kepada anggota guna meningkatkan volume usaha. Dilakukan dengan menggunakan akad kerja sama dimana salah satu sebagai shohibul maal dan yang lain sebagai mudharib (pengelola usaha). Sedangkan pendapatan murabahah ialah pendapatan yang diperoleh dari penjualan barang dan jasa kepada anggota. Maksud dan tujuan penelitian ini adalah untuk memperoleh gambaran pengaruh pendapatan mudharabah dan pendapatan murabahah terhadap Return On Asset pada KSPPS BMT Mega Bintang Sejahtera Bojonegoro Jawa Timur. Penelitian ini merupakan penelitian kuantitatif, yang mana ia adalah metode penelitan yang menggunakan statistik sebagai modelnya. Sedangkan jenis penelitan yang digunakan adalah jenis penelitian data. Sedangkan analisis yang digunakan dalam penelitian ini adalah regresi linear berganda dimana memakai uji koefisien determinasi, uji F (simultan) dan Uji T (parsial). Dari hasil penelitan tersebut dapat diperoleh hasil yaitu variabel pendapatan mudharabah berpengaruh negatif terhadap Return On Asset dengan hasil uji regresi linear berganda dengan koefisien pendapat Mudharabah -1.198 dengan nilai sig. 0.003. sedangkan variabel pendapatan Murabahah berpengaruh positif terhadap Return On Asset dengan nilai koefisien 8.753% dan nilai sig. 0.006. hasil koefisien determinasi pendapatan mudharabah dan murabahah berpengaruh 50.2% terhadap Return On Asset. Dan nilai koefisien determinasi yang disesuaikan (adjusted R Square) 0.425 hal tersebut menunjukan bahwa pendapatan mudharabah dan murabahah berpengaruh terhadap Return On Asset sebesar 50.2% sedangkan sisanya 49.2% dipengaruhi variabel lain. Berdasarkan uji F simultan diketahui bahwa pendapatan mudharabah dan murabahah berpengaruh signifikan. Karena F hitung mendapatkan nilai 0.011<0.050 itu artinya Ha diterima dan Ho ditolak, sehingga pendapatan mudharabah dan murabahah berpengaruh secara signifikan