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All Journal Journal of Economic, Bussines and Accounting (COSTING) FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Jurnal Aghniya
Rizky Hariyadi
UIN Fatmawati Sukarno Bengkulu
Economics, Econometrics & Finance Social Sciences

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ANALISIS MANAJEMEN PELAYANAN BANK SYARIAH PADA MASA NEW NORMAL (Studi di Bank Syariah Indonesia KC. Bengkulu Panorama) Rahmat Ilahi; Eke Wardani; Pitri Hayati; Fatimah Yunus; Rizky Hariyadi
JURNAL AGHNIYA Vol 5, No 1 (2022)
Publisher : STIESNU Bengkulu

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

Abstract

                                    Abstract: Service Management is one of the factors that must be considered by a company, because it relates directly to customers so that service management must be carried out properly so as to make customer decision about the services provided. This study aims to determine the service management carried out by the indonesian islamic bank Kc Bengkulu Panorama to customers during the new normal period. This study uses a qualitative method with a case study approach. The data collection technique used in this research is explanation. The results of this study indicate that the management of services to customers provided by the bank during the Covid-19 pandemic is the same as before the pandemic, only during the new normal period, customers must apply health protocols. The CARTER dimension, which includes Complaint Assurance, Reliability, Tangible, Empathy, and Responsives, has been implemented at Islamic Bank Indonesia so that customers are satisfied with the 6 indicators. It's just a tangible indicator of the availability of ATMs, customers are satisfied because of the lack of available ATM machines in public places only in banks. Factors that can affect service management in Islamic banks are reliability factors, product innovation and physical form.                                         Keywords:Service Management, Islamic Banking, Covid-19 Pandemic Period, CARTER                                         Abstrak: Manajemen Pelayanan merupakan salah satu faktor yang harus diperhatikan oleh suatu perusahaan, karena menyangkut langsung terhadap nasabah sehingga manajmen pelayanan harus dilakukan dengan baik sehingga membuat kepuasan nasabah terhadap pelayanan yang diberikan. Penelitian ini bertujuan untuk mengetahui Manajemen pelayanan yang dilakukan oleh  Bank Syariah Indonesia Kc.Bengkulu Panorama kepada nasabah pada masa New Normal. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi kasus. Teknik pengumpulan data yang digunakan dalam penelitian ini adalah wawancara. Teknik analisis data yang digunakan dalam penelitian ini adalah eksplanasi atau penjelasan. Hasil penelitian ini menunjukkan bahwa manajemen pelayanan kepada nasabah yang diberikan oleh pihak bank pada masa pandemic Covid-19 adalah sama dengan sebelum pandemi hanya saja pada masa new normal nasabah harus menerapkan protokol kesehatan. Dimensi CARTER yang meliputi Complaint Asurance, Reliability, Tangible, Emphaty, dan Responsivess, pada Bank Syariah Indonesia telah diterapkan sehingga nasabah merasa puas dengan 6 indikator tersebut. Hanya saja indikator tangible pada ketersediaan ATM, nasabah merasa puas karena kurangya tersedia mesin ATM ditempat umum hanya ada di Bank. Faktor yang dapat mempengaruhi manajemen pelayanan di Bank Syariah adalah Faktor Keandalan, inovasi produk dan bentuk fisik.                                                      Kata kunci:Manajemen Pelayanan, Bank Syariah, Pandemik Covid-19, CARTER
KEPUASAN NASABAH MELALUI PELAYANAN MODEL CARTER PADA BANK MEGA SYARIAH CABANG KOTA BENGKULU Rizky Hariyadi
FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Vol 5, No 2 (2022): NOVEMBER
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/jf.v5i2.1106

Abstract

The purpose of this study was to determine the forms of service of the CARTER model in increasing customer satisfaction at Bank Mega Syariah Bengkulu City Branch. The researcher used a qualitative descriptive approach with the technique of determining the sample using purposive sampling, which consisted of 2 employees and 4 customers. The data collection technique in this study used observation techniques, direct interviews with informants, namely Bank Mega Syariah employees and customers, and documentation. This study uses explanatory data analysis techniques or explanatory explanations or explanations that have a function to describe data with explanations in the form of narratives. From the results of the research and discussion, it was found that the CARTER model according to Othman and Owen which consists of Compliance, Assurance, Realibility, Tangible, Empathy and Responsiveness in increasing customer satisfaction at Bank Mega Syariah Bengkulu City Branch as a whole is quite good in terms of service, but in terms of Tangible it is necessary attention and further improvement of services.
Evaluasi Kinerja Keuangan Bank Muamalat Indonesia Menggunakan Metode RGEC dan IPI Periode 2016-2020 Chika Dwirahma Yulianti; Eka Sri Wahyuni; Rizky Hariyadi
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v8i2.7075

Abstract

This study aims to determine the financial performance of Bank Muamalat Indonesia (BMI) for the 2016-2020 period. The study used descriptive quantitative methods. Evaluation of the financial performance of Bank Muamalat Indonesia (BMI) is carried out using the REGC method and the Islamicity Performance Index method. The results of the assessment of the financial performance of Bank Muamalat Indonesia (BMI) using the REC (Risk Profile, Earnings, and Capital) method can be concluded that the performance of Bank Muamalat Indonesia (BMI) for the 2016-2020 period is in good condition. The results of the evaluation of sharia financial performance based on the Islamicity Performance Index show that the sharia performance of Bank Muamalat Indonesia (BMI) for the 2016-2020 period is in poor condition, but BMI is the first Islamic bank and is still a bank that has made efforts to implement sharia principles and its social obligations as an Islamic bank.
Pengaruh Pembiayaan Mudharabah dan Musyarakah terhadap Financing to Deposit Ratio (FDR) pada Bank Umum Syariah di Indonesia Elya Saputri; Eka Sri Wahyuni; Rizky Hariyadi
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 2 (2024): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i2.8412

Abstract

The purpose of this study was determine the effect of Mudharabah and Musyarakah Financing on Financing To Deposit Ratio (FDR) at Islamic Commercial Banks in Indonesia in 2020-2022, on a quarterly basis. This study uses quantitative methods using secondary data in the form of quarterly financial reports of Islamic Commercial Banks in 2020-2022. Data analysis using descriptive statistics, classical assumption test, multiple linear regression analysis, t-test, F-test, and coefficient of determination through the IBM SPSS 25. The results revealed that mudharabah financing partially had a significant effect on the Financing To Deposit Ratio (FDR) at Islamic Commercial Banks in Indonesia in 2020-2022. On the other hand, musyarakah financing partially has no significant effect on the Financing To Deposit Ratio (FDR) of Islamic Commercial Banks in Indonesia in 2020-2022. Meanwhile, mudharabah and musyarakah financing simultaneously affect the Financing To Deposit Ratio (FDR) at Islamic Commercial Banks in Indonesia in 2020-2022.
Co-Authors Chika Dwirahma Yulianti Eka Sri Wahyuni Eka Sri Wahyuni Eke Wardani Elya Saputri Fatimah Yunus Pitri Hayati Rahmat Ilahi