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THE NECESSITY AND TRUST OF CITIZENS OF BOGOR TO SHARIA MICROFINANCE INSTITUTION Alhifni, Anas; Mukhlish, Zaini; Ahwarumi, Biyati; Hasib, Fatin Fadhilah
JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Vol. 5 No. 2 (2019): Jurnal Syarikah
Publisher : Program Studi Ekonomi Islam FEI UNIDA Bogor

The interest of the public to put their money in the financial sanctuary is an important thing to note, especially for sharia microfinance institutions that are generally still less desirable public. The objective of this research is to analyze the needs, expectation, challenge, and belief of the community toward SMI in Bogor city. The method used in this research is the Structural Equation Modeling (SEM AMOS 22) population of Bogor city community with 200 samples. The results of data analysis show that the community simultaneously has the needs, expectations, challenges, and beliefs of SMI. As with the statistical necessity with expectations, challenges with beliefs and expectations with trust have significant relationships and only variable needs with challenges that have no real relationship because of the value of both above the value that is 0.506â‰¥0.05.

Islamic Banking Selection Criteria: Case in Indonesia Using Analytic Network Process Rusydiana, Aam Slamet; Hasib, Fatin Fadhilah
Economica: Jurnal Ekonomi Islam Vol 10, No 1 (2019)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2019.10.1.2846

The Islamic banking industry is currently one of the main indicators of the development of Islamic economics in Indonesia. In Islamic banking issue, one of the important issues is related to people's preferences and behavior towards Islamic banks. The study of the criteria for selecting a bank has been the concern of many bank marketing researchers. Compared to conventional, such studies are relatively minimal, especially in Indonesia. This study tries to analyze the preferences and behavior of criteria for selection of Islamic banks in Indonesia through the Analytical Network Process (ANP) approach.The results conclude that the most priority criteria that influence the selection of Islamic banks in Indonesia are service factors and religiosity factors or the suitability of banks with sharia principles. Therefore, Islamic banks need to constantly improve the quality of services both services and products so that they can compete with conventional banks.Industri perbankan syariah saat ini merupakan salah satu indikator utama perkembangan ekonomi Islam di Indonesia. Dalam masalah perbankan syariah, salah satu masalah penting adalah terkait dengan preferensi dan perilaku pemilihan masyarakat terhadap bank syariah. Studi tentang kriteria pemilihan bank syariah telah menjadi perhatian banyak peneliti. Studi tersebut relatif minimal jika dibandingkan dengan bank konvensional, terutama di Indonesia. Penelitian ini mencoba menganalisis preferensi dan perilaku pemilihan kriteria bank syariah di Indonesia melalui pendekatan Analytical Network Process (ANP). Hasilnya menyimpulkan bahwa kriteria yang paling prioritas yang mempengaruhi nasabah dalam memilih bank syariah di Indonesia adalah faktor layanan dan faktor religiusitas atau kesesuaian bank dengan prinsip syariah. Oleh karena itu, bank syariah perlu terus meningkatkan kualitas layanan baik produk maupun jasa sehingga mereka dapat bersaing dengan bank konvensional.

Islamic Banking Selection Criteria: Case in Indonesia Using Analytic Network Process Aam Slamet Rusydiana; Fatin Fadhilah Hasib
Economica: Jurnal Ekonomi Islam Vol 10, No 1 (2019)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2019.10.1.2846

The Islamic banking industry is currently one of the main indicators of the development of Islamic economics in Indonesia. In Islamic banking issue, one of the important issues is related to people's preferences and behavior towards Islamic banks. The study of the criteria for selecting a bank has been the concern of many bank marketing researchers. Compared to conventional, such studies are relatively minimal, especially in Indonesia. This study tries to analyze the preferences and behavior of criteria for selection of Islamic banks in Indonesia through the Analytical Network Process (ANP) approach.The results conclude that the most priority criteria that influence the selection of Islamic banks in Indonesia are service factors and religiosity factors or the suitability of banks with sharia principles. Therefore, Islamic banks need to constantly improve the quality of services both services and products so that they can compete with conventional banks.Industri perbankan syariah saat ini merupakan salah satu indikator utama perkembangan ekonomi Islam di Indonesia. Dalam masalah perbankan syariah, salah satu masalah penting adalah terkait dengan preferensi dan perilaku pemilihan masyarakat terhadap bank syariah. Studi tentang kriteria pemilihan bank syariah telah menjadi perhatian banyak peneliti. Studi tersebut relatif minimal jika dibandingkan dengan bank konvensional, terutama di Indonesia. Penelitian ini mencoba menganalisis preferensi dan perilaku pemilihan kriteria bank syariah di Indonesia melalui pendekatan Analytical Network Process (ANP). Hasilnya menyimpulkan bahwa kriteria yang paling prioritas yang mempengaruhi nasabah dalam memilih bank syariah di Indonesia adalah faktor layanan dan faktor religiusitas atau kesesuaian bank dengan prinsip syariah. Oleh karena itu, bank syariah perlu terus meningkatkan kualitas layanan baik produk maupun jasa sehingga mereka dapat bersaing dengan bank konvensional.

Analisis Faktor Yang Mempengaruhi Mahasiswa Dalam Pemilihan Model Jilbab (Studi Pada Mahasiswi Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Universitas Airlangga) Ajeng Shelyta; Fatin Fadhilah Hasib
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 2 No. 1 (2015): Januari-2015
Publisher : Universitas Airlangga

This research aims at determining the factor that influences on selecting the model of their headcovers, it is merely because the model of headcovers worn by the female students are now vary. Therefore, there should be some factors that urges a female student as a consumer to do a reasoned action on selecting the model of headcovers. This research is a quantitative research by using factor explanatory analysis. The characteristic of the population is the students of Islamic Economy, FEB, Airlanga University which are wearing headcovers. The result of this research shows that from 18 factors gained from the data collection which then processed by factor analysis. The researcher found that there are 5 factors, i.e. Want to Show Identitiy, consumers’ environment, consumers’ comfort in dressing up, consumers’ society, and consumers’ ease in dressing up.

Proses Pengambilan Keputusan Nasabah Bank Syariah Dalam Memilih Produk Pembiayaan Kepemilikian Rumah (Studi Kasus Nasabah Bank Muammalat KCI Darmo Surabaya) Bima Kurnia Putra; Fatin Fadhilah Hasib
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 1 No. 2 (2014): Februari-2014
Publisher : Universitas Airlangga

The purpose of this research is to find out the decision making process of the customer of Muamalat Bank in choosing mortgage product. The process comprises problem recognition, information search, evaluation of alternatives, product choice, and the outcomes.A qualitative approach is applied in this research with the descriptive case study method. The collection of data uses purposive sampling to determine the key informant and uses snowballing sampling to determine the informants. The key informant in this research is an employee of Muamalat Bank. Meanwhile the infomants consist of four customers of Muamalat Bank. Two of them take murabahah contract and the rest takes musyarakah mutanaqisah contract. The collection of data is conducted through several steps including comprehensive exploration, focus exploration, and confirmation step. The data analysis in this research uses domain, taxonomic and componential analysis.The result of this research shows that both the murabahah and musyarakah mutanaqisah customers had already passed through five steps in decision making process comprises problem recognition, information search, evaluation of alternatives, product choice, and outcomes. The difference between two of them is revealed in the problem recognition and the product choice. The customer choose the mortgage contract based on some features. REFERENCESAntonio, Muhammad Syafi’I. 2001. Bank Syariah Dari Teori Ke Praktik. Jakarta: Gema Insani.Hasib, Fatin Fadhilah, Suprayogi Noven, Hapsari Meri Indri. 2012. Hibah Riset Fakultas Ekonomi dan Bisnis Universitas Airlangga:Implikasi Manajemen Risiko Terhadap Pemilihan Akad Pembiayaan Kepemilikan Rumada Pada Perbankan Syariah Surabaya.Hausel, John R, Urban, Glen L, and Weinberg, Bruce D. 1993. Journal of Consumer Research: How Consumers Allocate Their Time When Searching for Information.Kotler Philip and Amstrong, Gary. 2001. Principles of Marketing (Ninth Edition). New Jersey:Prentice Hall,Inc.Kotler, Philip. 2006. Manajemen Pemasaran. Edisi Kesebelas. Jilid 1. Terjemahan Oleh Benyamin Moan. 2006. Jakarta:indkes.Solomon, M. R. 2007. Consumer Behavior: Buying, Having, and Being. New Jersey, Upper Saddle River: Pearson Educatio n, Inc.Yogaswara, Rhesa. 2010. Skema Pembiayaan Perumahan Syariah. Seminar Internasional IBFI Trisakti:Potensi Lembaga Keuangan Syariah Mikro Dalam Skema Pembiayaan Perumahan Secara Syariah.Yin, Robert. 2002. Studi Kasus Desain dan Metode. Jakarta:PT Raja Grafindo Persada.

Pengaruh Motivasi Terhadap Komitmen Organisasional Pada Guru Madrasah Ibtidaiyah Islamiyah Kota Madiun Elit Prambara Yudha; Fatin Fadhilah Hasib
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 1 No. 5 (2014): Mei-2014
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol1iss20145pp305-323

This study aimed to investigate the effect of motivation to organizational commitment of teacher. This research uses questionaire as the primary data and the samples are 67 teachers and candidates of MI Islamiyah Madiun.this research uses quantitative approach with multiple linear regression as the analysis method.Based on the findings, it obtained multiple linear regression equation : Y = -0,460 + 0,666X1 + 0,473X2. The result reveals that motivation affect positively and significantly to the organizational commitment of teachers in Madrasah Ibtidaiyah Islamiyah Madiun. It is known from the calculated F vakue of 105,532 with a significance level (probability) of 0,000. Value of the variable t test Motivator and Hygiene partial effect on organizational commitment of teacher in MI Islamiyah Madiun significance level <0,05.MI Islamiyah should maintenance motivation of teachers, especially to endure the motivator factors and improve the hygiene factors to achieve organizational commitment of teachers in MI Islamiyah Madiun. REFERENCESAl Qur’an Dan Terjemahannya. 2010. Departemen Agama Republik Indonesia.Amin, Ayoeb. 2010. Pengaruh Komitmen Kerja Islami Terhadap Motivasi Kerja dan Status Pendapatan serta Kesejahteraan Keluarga Muslim di Kabupaten Pekalongan, Provinsi Jawa Tengah. Disertasi tidak diterbitkan. Surabaya Fakultas Ekonomi dan Bisnis Universitas Airlangga.Anshori, Muslich dan Iswati . 2009. Buku Ajar Metodologi Penelitian Kuantitatif. Surabaya : Pusat Penerbitan dan Percetakan Unair.Burton, James P, dkk. 2002. The Influence of Motivation to Attend, Ability to Attend, and Organizational Commitment on Different Types of Absence Behaviors. Journal of Managerial Issues, Summer, p. 181- 197Daft, Richard L. 2003. Manajemen. (Terjemahan Emil Salim dan Iman Karmawan). Edisi kelima. Jakarta : Erlangga.Djamarah, Syaiful Bahri. 1994. Prestasi Belajar Dan Kompensasi Guru. Cetakan Pertama. Surabaya : Usaha Nasional.Ghozali, Imam. 2001. Analisis Multivariat dengan Program SPSS. Semarang : Universitas Diponegoro.Hamalik, Oemar. 1993. Psikologi Manajemen. Bandung : Trigenda Karya.Hasibuan, Malayu, S.P. 2001. Manajemen Sumberdaya Manusia. Edisi Revisi. Jakarta : PT. Bumi Aksara.Kamaluddin, Rustian. 1999. Pengantar Ekonomi Pembangunan. Jakarta : LPFE UI.Kamus Besar Bahasa Indonesia. 1998. Departemen Pendidikan Dan Kebudayaan. Jakarta : Balai Pustaka.Khaliq, Ahmad, dkk. 2011. Isuues in Islamic Management : Theories and Practices. Selangor : IIUM PressKuncoro, Mudrajad. 2009. Metode Riset untuk Bisnis dan Ekonomi. Jakarta : Erlangga.Lieke. 2010. Pengaruh Motivasi dan Kompensasi Terhadap Komitmen Organisasional di Organisasi Pendidikan Islam. Jurnal Managemen.Luth, Thohir. 2001. Antara Perut Dan Etos Kerja Dalam Perspektif Islam. Jakarta : Gema Insani.Muafi. 2003. “Pengaruh Motivasi Spiritual Karyawan Terhadap Kinerja Religius”. Yogyakarta. Fakultas Ekonomi Universitas Pembangunan Nasional “Veteran” Yogyakarta.Rahim, Husni. 2001. Arah Baru Pendidikan Islam Di Indonesia. Jakarta : Logos Wacana Ilmu.Rivai, Veithzal. 2009. Islamic Human Capital. Dari Teori Ke Praktik Manajemen Sumber Daya Islami. Jakarta : Rajawali Pers.Robbins, Stephen P and Timothy Judge. 2008. Perilaku Organisasi. Penerjemah Diana Angelica dkk.. Jakarta : Salemba Empat.Shihab, M.Quraish. 2002. Tafsir Al Misbah : Pesan, Kesan Dan Keserasian Al Qur’an. Jakarta : Lentera Hati.Soemanto, Wetsy. 1998. Psikologi Pendidikan. Jakarta: Rineka Cipta.Sopiah. 2008. Perilaku Organisasional. Yogyakarta : Penerbit Andi.Sugiyono. 2011. Statistika untuk Penelitian. Bandung : Alfabeta.Sutrisno, Edy. 2009. Manajemen Sumber daya Manusia. Jakarta : Kencana.Syafitri, Maylina. 2012. Pengaruh Motivasi Spiritual Islam Terhadap Prestasi Belajar Mahasiswa Ekonomi Islam FEB Universitas Airlangga Surabaya. Skripsi Tidak Diterbitkan. Surabaya Fakultas Ekonomi Dan Bisnis Universitas AirlanggaTasmara, Toto. 2002. Membudayakan Etos Kerja Islami. Jakarta : Gema Insani.----------. 2013. 7 Menit Mengenal Islam. Jakarta: Gema Insani. Trisnaningsih, Sri. 2003. Pengaruh Kepuasan Terhapdap Komitmen Auditor : Motivasi Sebagai Varoabel Intervening Studi Empiris Pada Kantor Akuntan Public di Jawa Timur. Jurnal Riset Akuntansi Indonesia, vol. 6 no. 2 Mei 2003. Yogyakarta : Universitas Gajah Mada.Undang-Undang Republik Indonesia Nomor 20 tahun 2003 Tentang Sistem Pendidikan Nasional.www. Journal.uii.ac.id. Data Statistik Madrasah. Diakses tanggal 27 Mei 2013.Yamin, Sofyan dan Heri Kurniawan. 2009. SPSS Complete: Teknik Analisis Statistik Terlengkap dengan Software SPSS. Jakarta : Salemba Infotek.Zamroni. 2000. Paradigma Pendidikan Masa Depan. Yogyakarta : Bigraf Publishing.

Analisis Faktor Yang Mempengaruhi Keputusan Pembelian Konsumen Terhadap Produk Rabbani di Bunker Rabbani Pucang Surabaya Mariska Pradnya Paramitha; Fatin Fadhilah Hasib
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 1 No. 6 (2014): Juni-2014
Publisher : Universitas Airlangga

This research aims to identify factors affecting consumer buyer decision to buy Rabbani products in Bunker Rabbani Pucang Branch Surabaya, amid burgeoning hijab trend fashion and competitive pressure from other retailers of moslem clothing products. In our study we employed quantitative approach, which followed by analysis using exploratory analysis factor. The sample population that we studied comprised of female customers buying Rabbani products in the above retailer, which we surveyed by using simple random sampling. The primary data collection is conducted in two stages: pre-test and main test, whereas secondary data are obtained elsewhere from literature. The pre-test was carried out by posing the questionnaire to 30 respondents. The result of pre-test is subsequently used as instrument indicator for main test which involving 91 respondents. From our investigation we obtained three factors behind consumer buyer decision to buy Rabbani products in the store used as case study: factor of product types, factor of price and store location, and factor of store promotion. Based on this result we thus provide suggestion to Rabbani store to keep up product attribute existence amid burgeoning hijab trend fashion and competitive pressure from other retailers of moslem clothing products. REFERENCESAl-Quran dan Terjemahnya. 1998. Semarang: Asy Syifa’.Burhani, Ruslan. 2012, Perkembangan Fesyen Muslimah Menggembirakan. Gaya Hidup, Antara News. (Online), (http://www.antaranews.com//, diakses 15 April 2013).Dartistiana, Nabiya Carissa. 2013. Faktor yang Mempengaruhi Keputusan Mahasiswa Memilih Program Studi S1 Ekonomi Islam Fakultas Ekonomi dan Bisnis Universitas Airlangga. Skripsi tidak diterbitkan. Fakultas Ekonomi dan Bisnis Universitas Airlangga.Dessyana, Cindy J. 2013. Store Atmosphere Pengaruhnya Terhadap Keputusan Pembelian Konsumen Di Texas Chicken Multimart II Manado (Online), Volume 1 Nomor 3, (http://ejournal.unsrat.ac.id//, diakses 1 Oktober 2013).Hidayat, Asep Taufik. 2012. Hubungan Antara Atribut Produk dengan Minat Beli Konsumen (Online), Volume 1 Nomor 1, (http://jurnal.unpad.ac.id//, diakses 20 Desember 2013).Malhotra, Naresh K. 2009. Riset Pemasaran Pendekatan Terapan Edisi Keempat Jilid Satu. Jakarta: PT Indeks.Muflih, Muhammad. 2006. Perilaku Konsumen dalam Perspektif Ilmu Ekonomi Islam. Jakarta: Raja Grafindo Persada.Palmer, Adrian. 2012. Introduction to Marketing Theory and Practice. Oxford: Oxford University Press.Rizan, Mohammad dkk. 2012. Pengaruh Brand Image dan Brand Trust Terhadap Brand Loyalty The Botol Sosro (Online), Volume 3 Nomor 1, (http://www.jrmsi.com//, diakses 1 Oktober 2013).Santoso, Singgih. 2010. Statistik Multivariat. Jakarta: PT Elex Media Kumputindo.Schiffman, L.G. and L.L. Kanuk. 2004. Consumer Behavior. New Jersey : Pearson Prentice Hall.Sebayang, Muly Kata dan Simon Darman O. Siahaan. 2008. Pengaruh Celebrity Endorsesr Terhadap Keputusan Pembelian Sepeda Motor Merek Yamaha Mio pada Mio Automatic Club (MAC) Medan (Online), Volume 1 Nomor 3, (http://usupress.usu.ac.id//, diakses 28 September 2013).Tjiptono, Fandy. 1997. Strategi Pemasaran. Yogyakarta: Penerbit Andi.----------, 2005. Pemasaran Jasa. Malang: Bayumedia.Velany, Aisyah. 2008. Pengaruh Cause Related Markering (CRM) Terhadap Loyalitas Pelanggan Air Minum Dalam Kemasan (AMDK) Merek Aqua pada Mahasiswa Sarjana Reguler Universitas Indonesia. Tesis tidak diterbitkan. Fakultas Ilmu Sosial dan Ilmu Politik Universitas Indonesia.Widagdo, Herry. 2011. Analisis Pengaruh Kualitas Layanan dan Promosi Terhadap Keputusan Konsumen Membeli Komputer pada PT XYZ Palembang (Online), Volume 1 Nomor 1 , (http://eprints.mdp.ac.id//, diakses 29 September 2013).Wulandari, Wahju. 2012. Pengaruh Marketing Mix Terhadap Keputusan Pembelian Pada Waserda UKM Mart Koperasi Karyawan Widyagama Malang (Online). Volume 1 Nomor 3, (http://widyagama.ac.id/ejournal/ /, diakses 1 Oktober 2013).Yusrizal. 2008. Pengujian Validitas Konstruk dengan Menggunakan Analisis Faktor ( Online), Volume 5 Nomor 1, (http://digilib.unimed.ac.id//, diakses 27 September 2013).

Pencapaian Maslahah Melalui Etika Bisnis Islam Studi Kasus Restoran Mie Akhirat Dany Hidayat; Fatin Fadhilah Hasib
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 2 No. 11 (2015): November-2015
Publisher : Universitas Airlangga

This research aims to understand the implementation of business ethics within the restaurant “Mie Akhirat”. This Research uses a qualitative approach entailing a descriptive case study of the object and a purposive sampling technique. The data used are collected through a semistructured interview. Analysis of data is carried out by using the descriptive analysis model. The result of this research is expected to reveal the business ethics implemented within the restaurant. This research hopes to benefit by exposing examples of islamic business ethics implemented by the restaurant. This research suggests that the implementation of islamic business ethics would be of great benefit for the whole of society including their economiccondition.

Tingkat Kesehatan Bank : Analisa Perbandingan Pendekatan CAMELS Dan RGEC (Studi Pada Bank Umum Syariah Tahun Periode 2012-2014) Arif Rachman Husein; Fatin Fadhilah Hasib
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 3 No. 2 (2016): Februari-2016
Publisher : Universitas Airlangga

The aim of this study was to determine whether there is difference in the level of health of Islamic Banks using CAMELS method approach and RGEC period 2012-2014. The method used is quantitative method with purposive sampling technique. This study uses eight Islamic Banks; Bank Muamalat Indonesia, Bank Syariah Mandiri, BNI Syariah, Bank Mega Syariah, BCA Syariah, BRI Syariah, Bank Panin Syariah Bukopin Syariah. The data used are secondary data by collecting the data of annual financial statements and GCG report in the period 2012-1014, then test the difference by using the Wilcoxon test.The research found that there are differences in the level of health of Islamic Banks using CAMELS method and RGEC method.

Pengaruh Pembiayaan Sektor Ekonomi Primer, SEKTOR Ekonomi Sekunder, Dan Sektor Ekonomi Tersier Terhadap Non Performing Financing (NPF) Pada Perbankan Syariah Di Indonesia Periode 2010-2015 (Maret) Imro Atul Mufidah; Fatin Fadhilah Hasib
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 3 No. 5 (2016): Mei-2016
Publisher : Universitas Airlangga

The purpose of this study is to find out the influence of financing primary sector, secondary sector, and tertiary sector toward Non Performing Financing (NPF) of Islamic Banking In Indonesia. Quantitative approach applied in this study as a research method. Furthermore, a technique of data analysis used is multiple linier regression to analyse the impact of independent variable toward dependent variable. The independent variable are financing primary sector, secondary sector, and tertiary sector. Meanwhile, NPF is the dependent variable. The result of the study shows that financing partially in primary sector influenced NPF significantly. Whereas, partially secondary sector and tertiary sector did not influence significantly to NPF. The result of simultance test indicated that the growth of financing primary sector, secondary sector, and tertiary sector influenced significantly to NPF of islamic banking.

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