Muhammad Doddy
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Analysis Of Using Islamic Bank Social Media And Website In The E-Marketing Concept Using Attention, Interest, Search, Action, Share (AISAS) Methods Silmi Safira; Iqbal Fadli Muhammad; Muhammad Doddy
Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (2019): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v7i1.100

Abstract

This study aims to analyze the extent to which Islamic banks, especially sharia commercial banks, have used websites and social media in the concept of e-marketing. The scope of this research is 13 Islamic commercial banks. The method used is the AISAS method (Attention, Interest, Seacrh, Action, Share). The result is that from the 13 Islamic banks, the top 5 banks in utilizing websites and social media for e-marketing are: Bank Syariah Mandiri, Bank BNI Syariah, Bank Muamalat, BRI Syariah Bank, and BJB Syariah Bank. implication of this study is that Islamic banking is better at maximizing the approach to the community by utilizing digital media to get the attention of customers or prospective customers. Because in modern times social media is something that is so important for people's lives.
The Impact Of Productive Zakat On The Economic Empowerment Program Based On Social Return On Investments (SROI): Case Study Of PT Karya Masyarakat Mandiri Shofia Hidayat; Hendro Wibowo; Muhammad Doddy
Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (2019): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v7i1.101

Abstract

Various programs are presented in zakat distribution practice. Productive zakat is one type of zakat that can provide sustainable benefits for the zakat mustahiq. PT KMM is a Social Enterprise formed by Dompet Dhuafa to focus on providing empowerment programs to the community as an effort to alleviate poverty. As an institution funded by zakat funds, PT KMM requires evidence on the impact and the extent of the impact of empowerment program that has been implemented for the sake of transparency of the distributed zakat funds. This study aims to calculate the impact produced by PT KMM using Social Return on Investment (SROI). The result of this study indicates that the SROI ratio was 4.89: 1. It means every Rp. 1 invested has generated benefit approximately Rp. 4.98 on economic, social and environment. This means that the empowerment program in the form of the Green Hortim M3 program through the Sumber Jaya Tani Community has the capability to yield benefits of 4.89 times greater than the input value invested.
The Effect Of Non-Performing Financing (NPF) On Earnings Management Practices In Islamic And Conventional Bank Erika Eriyanti; Rianti Pratiwi; Muhammad Doddy
Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (2019): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v7i1.97

Abstract

This study aims to examine the effect of Non-Performing Financing (NPF) to Earnings Management Practices in Islamic Bank and Conventional Bank.  Earnings management procedures are still regarded legal when they do not conflict with General Accepted Accounting Principles (GAAP), but when viewed from an Islamic perspective, particularly in Islamic business ethics and sharia management, earnings management practices are regarded to be incompatible with the principles contained in Islamic business ethics and sharia management.The data collection of this research uses documentation technique from financial reports of Islamic bank and conventional bank. The analytical method which is used in this study is panel data regression. This study found that the Non-Performing Financing (NPF) have a significant positive effect with Earnings Management. For the implication, investors and other financial statements customers are anticipated to be more cautious in evaluating financial statements. For business institutions, especially sharia business institutions, the principles of Islamic business ethics should always be instilled in carrying out their operations.
The Influence Of Investment Knowledge On The Interest Of Students Investing In Peer To Peer Lending Shariah Muhammad Doddy; Zahrotul Millah
Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (2019): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v7i2.112

Abstract

Peer to peer lending is an investment model that is developing in various countries, including Indonesia. This investment model has many advantages in terms of effectiveness so that it can make it easier for users to apply it. Moreover, peer to peer lending investment in Indonesia has a financing target for MSMEs so that this investment model can help finance in the microeconomic cycle. The convenience provided by the peer to peer lending investment model should be an attraction for people who are just starting investment such as students. Before investing, potential investors should have sufficient knowledge about investing in order to avoid the risk of failure that causes losses. This study aims to determine the effect of investment knowledge on the interests of STEI SEBI students investing peer to peer lending. The research method used is a quantitative mixture that is supported by qualitative data and data processed using SPSS ver. 23. The results of this study indicate that the T-test results of -0.200 and the significance value of 0.842. So it can be concluded that investment knowledge does not have a significant effect on students' interest in investing peer to peer lending. The results of the study are supported by data from interview results, which show that negative relationship results are not significant because one of them is theoretically not so influential if there is no its applicative science.
The Concept Of Branding In Islamic Business Ethics Perspetive Lina Herlina; M. Luthfi Hamidi; Muhammad Doddy
Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (2019): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v7i1.99

Abstract

The objective of this paper is to find out and illustrate the concept of branding that comply with Islamic law. The research method used in this study is a literature review, with books and journals as the main data sources, while using the view point of the Qur'an, Hadith, Ijtihad of the scholars, and other scientific works that related to the research. This study introduces the concept of branding that comply with sharia law that covers the role of branding in business, i.e.: as a differentiator, as an advertisement and appeal, as an image-building tool and as a market controller. Branding ethics in Islam including positive image, Islamic products, fair prices, Islamic brands and advertisement variables that have been adapted to comply the rules of Islamic muamalah, and various examples of branding practices in Indonesia that is sharia compliant, for example: Rabbani brand, Wardah cosmetics, and Sofyan hotel. In this case, branding practice that comply with Islamic ethics is not just an idealistic theory, but it can realistically be applied on practice and has been proven to yield positive brand image and loyality from their consumers.