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Journal : Jurnal Asy-Syukriyyah

PENGARUH KUALITAS LAYANAN DAN BRAND IMAGE TERHADAP LOYALITAS NASABAH BMT MITRA PRUNUS SEJAHTERA KOTA TANGERANG Edy Junaedi; Nurul Robiatin
Jurnal Asy-Syukriyyah Vol. 23 No. 1 (2022): Jurnal Asy-Syukriyyah
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36769/asy.v23i1.165

Abstract

The competitive conditions of Islamic financial institutions are getting tighter from time to time, so that every company must create a new marketing strategy to be able to maintain and gain a wider market share and increase customer loyalty. The purpose of this study is to determine whether service quality and brand image partially or simultaneously affect customer loyalty at BMT Mitra Prunus Sejahtera and to determine the most dominant variables have an effect. The data collection method was carried out through questionnaires distributed to BMT Mitra Prunus Sejahtera customers, with the criteria of having been a savings customer for one year and actively conducting savings transactions at least once a week. Samples were taken as many as 100 respondents of savings customers. The data obtained were then processed using SPSS version 22 and analyzed using multiple linear regression analysis. This analysis includes reliability test, validity test, multiple linear regression test, hypothesis testing through Ttest and Ftest as well as coefficient of determination (R2) and classical assumption test. T-test results show that service quality and brand image partially have a positive and significant effect on savings loyalty at BMT Mitra Prunus Sejahtera. The Ftest test shows that service quality and brand image simultaneously have a significant effect on savings loyalty at BMT Mitra Prunus Sejahtera with an effect of 60.9%, while the remaining 39.1% is influenced by other variables outside this model. The dominant influence is shown by the brand image variable, followed by the service quality variable.
Service Quality Sebagai Prime Strategy Dalam Mempertahankan Kinerja Bank Syariah Dalam Menghadapi Krisis Global Edy Junaedi
Jurnal Asy-Syukriyyah Vol. 7 No. 1 (2011): Jurnal Asy-Syukriyyah
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36769/asy.v7i1.17

Abstract

Service Quality Sebagai Prime Strategy Dalam Mempertahankan Kinerja Bank Syariah Dalam Menghadapi Krisis Global
Analisis Kualitatif Implementasi Four Eyes Principles Bank Syariah ( Study Kasus Sharia Business Unit BTN Syariah ) Edy Junaedi
Jurnal Asy-Syukriyyah Vol. 19 No. 1 (2018): Jurnal Asy-Syukriyyah
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36769/asy.v19i1.21

Abstract

Purpose the present paper explores the application of the four eyes priciples to management decision in banking sector, a heretofore neglected area of business and management research. Methodology approach a theoritical analysis was first conducted of the four eyes principles. A qualitative field study of sharia business unit of Bank BTN. Non Performance Financing based on type shari’ah compliant contract of sharia business units and sharia commercial banks have shown that negative growth until 2017, four eyes principles is a model to make decision togather in financing. The requirement that a business transaction be approved by at least two individual who must both sign off on any significant financing decision Findings: from theoretical analysis, it can be conclude that the four eyes principles may generally conducted serve as a mechanism to mitigate risk of financing. Due to a non performing financing.
Implementasi Misi Korporasi Melalui Service Quality Untuk Meningkatkan Penjualan Dalam Industri Perbankan Edy Junaedi
Jurnal Asy-Syukriyyah Vol. 9 No. 1 (2012): Jurnal Asy-Syukriyyah
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36769/asy.v9i1.52

Abstract

The concept and policies of service quality have several different generic names: "customer care", "after care", "the aftermarket", "service recovery", and "customer experience management". All capture the fact that the experience of a product or service can contribute to how well or badly a business does in its market. It is a marketing issue because it affects the growth of the firm. A poor experience will undermine any marketing, no matter how good, because negative word of mouth will work against any marketing claims. Word of mouth communications: expectations will be shaped by communications from sources other than the service provider itself. This can include family, friends and colleagues, but more widely the media and other organisations, such as audit agencies. Personal needs: any customer or user of a service will have what they regard as a set of key personal needs that they expect the service to address. These will vary from service to service and from customer to customer. A clear understanding of these needs is necessary to design an appropriate service. Previous experience: many will have had service encounters before. Their previous experience will in part influence their future …P1FiPexpectations of the service. This can include their past experience of the service in question, but also of other services for public services, expectations will be influenced by experience of similar private services. …P2Fii In order to reach loyalty customer, banks have to give service quality and by doing best in service quality every day and every day, the corporate mission become reality in every day and the end result is sales through service and making loyalty customer is easy.
Analisis Pengaruh Biaya Operasional Pendapatan Operasional (BOPO) dan Non Performing Financing (NPF) Terhadap Profitabilitas Bank Syariah Edy Junaedi
Jurnal Asy-Syukriyyah Vol. 17 No. 1 (2016): Jurnal Asy-Syukriyyah
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36769/asy.v17i1.60

Abstract

Sharia Bank is well-known as a bank which is resistant to the global crisis that hitted Indonesia couple years ago. The performance of Sharia Bank could be maintained so that continuity of bussines also could be well maintained. Those performance could be measured by the size of the Sharia banking profitability. The factors affecting the profitability of Islamic banks used in this study are BOPO NPF and ROA. While the purpose of this study was to determine the effect of BOPO and NPF toward the profitability of Sharia banks. The population used for the study are all of sharia banks Bank Umum Sariah (BUS) and Unit Usaha Syariah (UUS) in Indonesia have been published by Otoritas Jasa Keuangan (OJK) from 2015 to 2016. The data of this study used secondary data from the website of Otoritas Jasa Keuangan. The method of data analysis which was used is multiple linear regression analysis. The results of this study indicate that the BOPO variabel has significant effect on ROA and NPF variable has no significant effect on ROA in Sharia Banking Industry. While BOPOand NPF variabel had significant influence with negatif direction.
Analisis Komparatif Non Performing Financing (NPF) Perbankan Syariah Indonesia Edy Junaedi
Jurnal Asy-Syukriyyah Vol. 18 No. 1 (2017): Jurnal Asy-Syukriyyah
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36769/asy.v18i1.68

Abstract

Purpose – The purpose of this paper is to identify performance between the Sharia Commercial Bank (SCB) and Sharia Business Unit (SBU) in Indoneia islamic banking industry, especially Non Performing Financing Design – the study uses survey based methodology for data collection, using Statistic Islamic Banking Industry from Otoritas Jasa Keuangan, for the study consists of Islamic banking Industry 13 sharia commercial banks and 21 sharia business units with ROA, OER, FDR and NPF Gross. For analizyng the obtained data, the statistical methods of SPSS 22 multivariate regression and analyzing performance ratios both of them. Indonesia’s Islamic banking industry remained under pressure after experiencing limited growth, a rise in non-performing financing (NPF) and inefficiency still hampered the further development of the Islamic banking sector to drive the domestic Islamic finance industry including easing regulations on the loan-to-value (LTV) ratio, risk-weighted assets (RWA), NPF restructuring, and capital participation. to improve the competitiveness of Indonesia’s shariah-based banks which are still lagging considerably behind conventional banks Islamic banks continued to innovate to increase their market share through various creative ways. These include exploring opportunities to manage endowment funds (waqf) and entering into a mini master repurchase agreements with other shariah-based banks to increase liquidity. Finding – the study shown that performance SCB is 85,9 percent from independent variables were researched and performance of SBU is 86,8 percent from independent variables were researched. Compared Sharia Business Unit performance more better than Sharia Commercial Bank in ROA, NPF Gross, BOPO, progressive FDR more than 100 percent, but market share of sharia commercial bank up 70 percent, so Indonesia’s Islamic banking industry still under pressure even sharia business unit has good performance.
FRAUD PERBANKAN SYARIAH DAN MORALITAS KEISLAMAN Edy Junaedi; Irwan Maulana
Jurnal Asy-Syukriyyah Vol. 13 No. 1 (2014): Jurnal Asy-Syukriyyah
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The accounting scandal is the real picture of accounting frouds in the global world, these frouds are mostly dificult to detect through only regular accounting check or audit, this problem has not been solved until now. Enron Corporation, Lehman Brothers Bankruptcy in the global world, Century Bank and Mega Bank scandal are financial problematic situation. To be Exposed of fraud cases in the banking sector are detrimental to customers and the bank.The purpose of this research is to reveal and analyze factors that trigger of the occurraence of fraud commited by bank employees in the banking business in Indonesia and also implementation of anti fraud strategy in the banking institution to prevent the banking crimes commited by bank employees and how islamic rules in frauds banking institution, according to the purpose of the research methods used are normative research as well as the empirical one because this research will utilize secondary data, which will be followed by an empirical study by observation with expert opinion about fraud in banking institution.The research result indicated that factors that trigger the occurence of frauds committed by bank employees in the banking institution in Indonesia generally can be clasified as fraud triangle which are the pressure to perform fraud (pressure), the opportunities that can be exploited (opportunity) as well as the justification for such action (razionalization) and prospect for the application of anti fraud strategy of banking institution to prevent banking crimes commited by employees, according to most of the Indonesian banking expert on their statement less so prospective, while the implementation of circular letter of Bank Indonesia number 13/28/DPNP in Bank Syariah Mandiri, Bank BTN Syariah Bank Muamalat has not shown any significant decline in case of fraud. Generally, bank put more emphasis on whistleblowing strategy of detection pillar. Integrity is best action for making secure bank from crimes commited by employee with value of Islam and it isnot integrity to institution, just for Alloh.
ORIENTASI BEKERJA MENURUT PERSPEKTIF ISLAM Edy Junaedi; Anton Hindardjo
Jurnal Asy-Syukriyyah Vol. 16 No. 1 (2016): Jurnal Asy-Syukriyyah
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36769/asy.v16i1.220

Abstract

Want to work for a company where employees are satisfied with the culture and values? Glassdoor has announced its report of the Top 25 Companies for Culture & Values, based on workplace insights shared by the people who know companies best — the employees. The companies stand out for high culture & values ratings and insightful reviews. Facebook truly values the important things in life. The culture and dialog is open about, The people are friendly and helpful. The culture fosters hard work and fun (Southwest Airlines). Everyone shares a common goal to make the best products for the consumer, and it shows in most (Apple), Amazing company to work for. Good culture, fun, high energy and lots of reasons to stay (Nike), The culture in the plant is very positive and I feel like everyone wants to help one another (Procter & Gambler) and people of Google said The culture is amazing too. Each employee does not mind helping the other out if they are stuck. There are some of corporations that make praud for their employees. Amazing culture come from value that happened by employee and management of corporation every day and every day, the culture is positif and everyone can do the right thing and want to help another, these are value of Islam-Ukhuwah and Falah, So we can do anything full motivated and dedicated togather we can. Values of corporation are being easy to say and remember, easy to do because come from soul of corporation’s people and universal value of corporation make Performance better