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All Journal Laa Maisyir Jurnal Ekonomi Islam Jurnal Al-Qardh Ikonomika : Jurnal Ekonomi dan Bisnis Islam Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Inovasi Ekonomi Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Enrichment : Journal of Management El-Iqtishod Poros Onim Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah El Mudhorib Jurnal Kajian Ekonomi dan Perbankan Syariah Cross-border

Abd. Karman

Institut Agama Islam Negeri Fattahul Muluk Papua, Indonesia

Author-ID : 5870704

Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Determinant of Customers’ Intention to Use Islamic Banking (Case Study in Jayapura City) Ira Eka Pratiwi; Fachrudin Fiqri Affandy; Abdul Karman
IKONOMIKA Vol 5, No 1 (2020)
Publisher : Universitas Islam Negeri Raden Intan Lampung

This study investigates the influence of faith, social influence, regulation, and bank functions on the intention to use Islamic banking. The study used quantitative method and the data was collected using a structured questionnaire. The sample consisted of 200 customers of one of the largest Islamic bank in Indonesia: Bank Mandiri Syariah, which is located in Jayapura, the capital city of Papua Province. The data were obtained by random sampling using through a face-to-face survey. The internal consistency reliability and validity test indicated that all scale items were proven reliable and valid. The multiple regression linear was used to analyze the influence of independent variables toward dependent variables. This study suggested that faith significantly affected the customers intention to use Islamic banking. Meanwhile, social influence, regulation, and bank functions did not show a significant influence on customers’ intention to use Islamic banking.Key words : Islamic Banking; Faith; Social Influence; Regulation; Bank Function

KEPUTUSAN INVESTASI SAHAM DENGAN MENGGUNAKAN ANALISIS FUNDAMENTAL MELALUI PENDEKATAN PRICE EARNING RATIO (Perusahaan Terdaftar dalam Jakarta Islamic Index 2017-2018) Abd Karman; Citra Meilana Rina Jayanti; M Anang Firdaus
El-Iqtishod: Jurnal Ekonomi Syariah Vol 6 No 1 (2022): Jurnal Ekonomi Syariah EL-IQTISHOD
Publisher : Program Studi Ekonomi Syariah

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

Setiap investor perlu melakukan penilaian terhadap saham perusahaan yang akan ia beli untuk mencapai keuntungan dan menghindari kerugian di masa yang akan datang, salah satu caranya adalah dengan menganalisis melalui kondisi perusahaan. Dalam penelitian ini lebih mengacu pada analisis penilaian internal perusahaan yang sering disebut dengan analisis fundamental. Hal tersebut juga sesuai dengan rumusan dan tujuan dari penelitian ini yaitu untuk mengetahui gambaran kinerja keuangan perusahaan dan mengetahui kewajaran saham melalui pendekatan price earning ratio. Dalam penelitian ini peneliti memilih sampel penelitian pada perusahaan yang terdaftar di Jakarta Islamic Index pada tahun 2017-2018 dengan metode purposive sampling. dari populasi 39 perusahaan diambil lima sampel perusahaan yaitu PT. Adaro Energy Tbk (ADRO), PT. AKR Comporindo,Tbk (AKRA), PT. Astra Internasional, Tbk (ASII), PT. United Tractors, Tbk (UNTR), PT. Unilever Indonesia, Tbk (UNVR). Adapun metode dalam melakukan analisis perusahaan menggunakan metode pendekatan Price Earning Ratio. Sumber data yang digunakan adalah data sekunder, yaitu data yang telah dikumpulkan dan dipublikasikan oleh lembaga sehingga dapat diakses oleh masyarakat. Hasil dari penelitian menggunakan analisis fundamental dengan pendekatan price earning ratio menunjukkan bahwa saham pada lima perusahaan yang dijadikan sampel penelitian berada dalam kondisi Correctly Valued, yaitu nilai intrinsik saham sama dengan harga pasarnya atau mengalami kestabilan harga sehingga investor dapat menahan saham tersebut.

ININNAWA: Pendidikan Karakter Pada Anak Dalam Tradisi Suku Bugis Di Kampung Kukup Koya Koso Kota Jayapura Andika Dian Saputra; Abd Karman; M Syukri Nawir
POROS ONIM: Jurnal Sosial Keagamaan Vol 2 No 2 (2021): Penafsiran Kontemporer, Kearifan Lokal, dan Moderasi Beragama
Publisher : Institut Agama Islam Negeri Fattahul Muluk Papua

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53491/porosonim.v2i2.122

This research aimed to understand the Ininnawa tradition maintained by the Bugis people of nurturing their children in Kukup Village. The method used in this research was qualitative descriptive with a social phenomenology paradigm. Research findings: the Ininnawa tradition is a tradition where has a benefit for the Bugis generation in improving and maintaining cultural preservation to keep them facing and overcoming challenges. The Ininnawa tradition aims to increase the Bugis people's ability to adapt to their surroundings. This tradition is learning to develop intellectual skills and a principle firmly entrenched in adulthood about "seriousness" and "shame" in the spirit of success. The Ininnawa tradition is a hereditary inheritance from the Bugis people that is to be done from time to time in their lives as a way of preserving the culture that has a philosophy of thinking, feeling, and believing to behavior in society, which includes Sipakatau (not distinguish each other), Sipakainge (recognizing each other), and Sipakalebbi (mutual respect). The Ininnawa tradition exemplifies personality and social attitudes in everyday life. This tradition is consistent with Islamic teachings, which aim to instill good morals by the requirements of the Qur'an and Hadith.

Optimizing purchasing decisions through marketing strategies: Case studies in housing property Abimanyu Tuwuh Sembhodo; Adya Hermawati; Abd Karman; Jana Siti Nor Khasanah; Endang Fatmawati
Jurnal Inovasi Ekonomi Vol. 7 No. 01 (2022): April
Publisher : Center for Economics, Business and Entrepreneurship Development Faculty of Economics and Business, Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jiko.v7i01.21071

This study aims to investigate the influence of digital marketing on purchasing decisions. The research sample in this study is prospective buyers of Griya Citra Perdana Malang Housing. In answering the aim of this study, we used 40 respondents and constructed a simple model based on path analysis. The model built shows that personal selling has no significant effect on purchasing decisions; digital marketing significantly affects purchasing decisions; service quality has a significant impact on purchasing decisions. Furthermore, the simultaneous test shows that the three independent variables significantly influence purchasing decisions.

Pengaruh Pinjaman Modal dan Pendampingan Usaha terhadap Peningkatan Kesejahteraan Nasabah Pada Bank Wakaf Mikro Honai Sejahtera Papua Masaalah Marasabessy; Abd. Karman
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 6 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

The success of Micro, Small, Medium Enterprises (UMKM) is a fundament aspect for the economic development of a country because due to its contribution to income distribution and employment. To improve social welfare, it needs the contribution of all sector. They can support UMKM by providing financing access or by improving the quality of business owners or entrepreneurs. Bank Wakaf Mikro Honai Sejahtera Papua acts as Sharia Micro Financial Institution aiming to improve the welfare of the society surrounding the Islamic Boarding School. Besides giving access to its customers for financing provision, the bank also assists businesses by giving motivation, improving spirituality, improving the quality of human resources, and helping resource mobilization. This research is quantitative research that employing primary data from questionnaires. The technique of sample calculation in this research is purposive sampling so that the number of respondent obtained is 80 respondents who have special characteristic. multiple linear regression technique is used to analyze the data has been collected. Research resut show that there is a significant influence of financing loans and business assistance both simultaneously and partially on the customers’ welfare improvement wich is reflected in the value of tcount of financial loans variable that is 2.207 > ttable 1.994. Meanwhile, the value of tcount of business assistance variable that is 4.307 > ttable 1.994. In addition, the result of fcount is 17.896 and ftable is 3.11. Therefore, those variables have significant influence simultaneously. Keywords: Financial loans, business assistance, and welfare improvement. ABSTRAK Keberhasilan UMKM menjadi aspek fundamental bagi perkembangan ekonomi sebuah negara sebab sektor UMKM mampu memberikan kontribusi besar terhadap pendistribusian pendapatan, maupun penyerapan tenaga kerja. Dalam rangka meningkatkan kesejahteraan masyarakat maka diperlukan peran penting dari segala sektor. Pemberian dukungan kepada sektor UMKM dapat dilakukan melalui penyediaan akses pembiayaan atau meningkatan kualitas pelaku usaha. Bank Wakaf Mikro Honai Sejahtera Papua berperan sebagai Lembaga Keuangan Mikro Syariah yang bertujuan untuk meningkatkan kesejahteraan masyarakat sekitar Pesantren. Untuk meningkatkan kesejahteraan, Bank Wakaf Mikro Honai Sejahtera Papua memberikan akses pinjaman modal kepada nasabah dan juga memberikan pendampingan usaha yang berfokus pada pemberian motivasi, peningkatan spiritual, peningkatan kualitas SDM, maupun mobilisasi sumber daya. Riset ini merupakan penelitian kuantitatif yang memanfaatkan data primer sebagai sumber data yang dikumpulkan lewat penyebaran angket. Teknik perhitungan sampel pada riset ini adalah purposive sampling sehingga jumlah responden yang diperoleh sebanyak 80 responden yang memiliki karakteristik khusus. Teknik regresi linear berganda dipakai untuk menganalisis data yang telah dikumpulkan. Hasil riset ini menunjukan bahwa terdapat pengaruh signifikan pinjaman modal dan pendampingan usaha baik secara parsial dan simultan terhadap peningkatan kesejahteraan nasabah yang tercermin dari nilai thitung variabel pinjaman modal sebesar 2,207 > ttabel 1,994. dan nilai thitung variabel pendampingan usaha sebesar 4,307 > ttabel 1,994. Selain itu, hasil perhitungan fhitung sebesar 17,896 dan ftabel sebesar 3,11 maka pinjaman modal dan pendampingan usaha secara simultan berpengaruh signifikan. Kata Kunci: Pinjaman Modal, Pendampingan Usaha, Peningkatan Kesejahteraan.

FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT INVESTASI DI PASAR MODAL SYARIAH PADA MAHASISWA FEBI IAIN FATTAHUL MULUK PAPUA Rani Nur Indah Lestari; Miftahul Huda; Abdul Karman
OIKONOMIKA: Jurnal Kajian Ekonomi dan Keuangan Syariah Vol. 1 No. 1 (2020): OIKONOMIKA : Jurnal Kajian Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua

This study aims to determine the factors that influence the intention of investment namely the encouragement from within individuals, social motive, and emotional factor partially and simultaneously on the intention of students’ investment in Islamic capital markets. This research method is quantitative. The population in this study is students of Islamic Economics and Business Faculty in IAIN Fattahul Muluk Papua which consisted of Islamic economics and Islamic banking study programs from 2016 to 2019. The sample in this study is 76 students. The sampling technique uses simple random sampling. Data collection in this study uses the questionnaire method. Data analysis techniques used in this study is multiple linear regression using SPSS 16.0 application. The results of this study indicate that: (1) Encouragement from within the individual has a significant effect on the intention of investment, with a significance value of 0,000. (2) Social motive significantly influence the intention of investment, with a significance value of 0,000. (3) Emotional factor do not significantly influence the intention of investment, with a significance value of 0.168. (4) Encouragement from within individuals, social motive, and emotional factor simultaneously influence the intention of investment of Islamic Economics and Business Faculty students in IAIN Fattahul Muluk Papua.

PERSEPSI NASABAH TERHADAP PROGRAM TABUNGAN RENCANA BERHADIAH PADA BANK MUAMALAT KCP ABEPURA Abd Karman; Nur Afifah
EL MUDHORIB : Jurnal Kajian Ekonomi dan Perbankan Syariah Vol. 1 No. 1 (2020)
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua

Sebagai bank umum syariah pertama di Indonesia, sejak tahun 1992 Bank Muamalat selalu mendapat kepercayaan dari masyarakat sebagai bank yang menyediakan program dan layanan yang berdasarkan prinsip syariah salah satunya program BPS TRB (Bank Penerima Setoran Tabungan Rencana Berhadiah) yang dikembangkan pada tahun 2017 dengan jumlah nasabah secara keseluruhan sejak tahun 2017-2020 adalah 306 nasabah. Rumusan masalah dalam skripsi ini adalah Bagaimana mekanisme program tabungan rencana berhadiah pada Bank Muamalat KCP Abepura dan Bagaimana persepsi nasabah terhadap program tabungan rencana berhadiah pada Bank Muamalat KCP Abepura. Skripsi ini bertujuan untuk menganalisis mekanisme tabungan rencana berhadiah dan menganalisis persepsi nasabah terhadap program tabungan rencana berhadiah pada Bank Muamalat KCP Abepura. Dalam penelitian ini, penulis menggunakan jenis penelitian kualitatif deskriptif. Data yang didapatkan akan diintrepresentasikan dan dianalisis sehingga menghasilkan sebuah kesimpulan. Data yang diperoleh berasal dari data primer dan data sekunder.Metode observasi, wawancara dan dokumentasi juga dilakukan untuk memperoleh data yang lengkap. Hasil penelitian ini menunjukkan bahwa mekanisme tabungan rencana berhadiah dilakukan sesuai syarat dan ketentuan yang telah diterapkan, mudah dimengerti oleh nasabah dan akad yang digunakan sesuai syariat Islam yaitu akad mudharabah (bagi hasil) dimana nasabah akan memperoleh nisbah 7,5% setiap bulannya. Persepsi nasabah terhadap program tabungan rencana berhadiah dianggap sangat baik dan menguntungkan, karena program tersebut dapat membantu nasabah untuk mengatur rencana keuangan dikemudian hari dengan tujuan untuk masa depan anak.

Identification of Human Resource Management Best Practices in the MSME Sector Abd. Karman; Purnomo; Akbar Jaya; Teguh Setiawan Wibowo
Enrichment : Journal of Management Vol. 12 No. 2 (2022): Management Science and Field
Publisher : Institute of Computer Science (IOCS)

This study aims to obtain evidence of scientific support from existing publications so that we can answer the problem of this study, namely identifying superior and destructive human resource management in the MSME sector. Then we make the data online from many sources that we believe can answer the problem. We have collected 60 relevant publications from the data and discussion to answer this study, limiting the barrier from 2010 to 2022. Our study was carried out under a phenomenological approach where we wanted to get answers from several existing data so that our findings could get answers. Based on the study and the results of the discussion, we can summarize that some best practices have contributed to the success of MSMEs, including having superior human resources and having the best, which includes understanding how to sell MSME products, having the soul to serve consumers with care and understanding decision-making solutions then placing the customer's face, and having financial and generational governance capabilities following the needs of MSMEs in the era of free competition.

Analisis Intensi Penggunaan Mobile Banking dengan Pendekatan Unified Theory Of Acceptance And Use Of Technology (UTAUT) Nurfitri Iriani Utami; Abd Karman; Moh Syarifudin
OIKONOMIKA: Jurnal Kajian Ekonomi dan Keuangan Syariah Vol. 3 No. 1 (2022): OIKONOMIKA : Jurnal Kajian Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53491/oikonomika.v3i1.353

The massive digital transformation was escalating due to the emergence of the Covid-19 Pandemic occurred in almost all industrial sectors including the banking sector. To respond to this challenge, banking presents an innovation that is Mobile Banking. However, using Mobile Banking services in the community is considered not optimal. The data obtained from the Financial Inclusion Insight shows that only 32.2% of adults know about electronic money and Digital Banking. Due to the lack of utilization of Mobile Banking in the midst of the onslaught of essential digital transformation, it is interesting to know what indicators trigger people to be interested in using Mobile Banking. This study employs the Unified Theory of Acceptance and Use of Technology Model to analyze the factors that drive the intention of the students of IAIN Fattahul Muluk Papua to use Mobile Banking. This study is explanatory quantitative research and the type of data used is primary data obtained from the distributed questionnaires that use the Likert scale. The method used to take the samples is the Proportionate Stratified Random Sampling technique and the number of respondents is 100 students of IAIN Fattahul Muluk Papua who use Mobile Banking. The data analysis method used in this study is multiple linear regression using the SPSS 24 version application. This study uses 4 main constructs of the UTAUT Model, namely Performance Expectations, Effort Expectations, Social Influences, and Facilitating Conditions to determine their influence on the Behavioral Interests of the students of IAIN Fattahul Muluk Papua in using the Mobile Banking application. The results of this study indicate that partially Effort Expectations and Facilitating Conditions have a significant influence on Behavioral Interest with the results of each t count is greater than the t table that is 2.851>1.985 and 5.541>1.985. The Performance Expectations have no significant effect with t count is smaller than t table (0.539<1.985) and Social Influence has a negative influence on Behavioral Interest with t count (-0.141<1.985). Meanwhile, simultaneously, the four variables have a significant influence as proven by the f count value that is greater than the f table, which is 38.76>2.47 with a determination coefficient of 0.645. It means that all four aspects influence the Behavioral Interest by 65% and the rest are influenced by variables other than the independent variables in this study.

Analisis Peran Service Quality, Harga Dan Brand Image Terhadap Customer Satisfaction Jasa Pengiriman JNE Sutrisno Sutrisno; Hendy Tannady; Muhammad Hery Santoso; Abdul Karman; Imam Jayanto
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 3 No. 6 (2022): MSEJ : Management Studies and Entrepreneurship Journal
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v3i6.1277

Penelitian ini bertujuan untuk mengetahui pengaruh harga, kualitas pelayanan dan citra merek terhadap kepuasan pelanggan jasa pengiriman JNE diJakarta. Penelitian menggunakan metode kuantitatif melalui penyebaran kuesioner yang disebarkan kepada 160 responden dan diolah menggunakanprogram IBM SPSS Statistic versi 18 dengan teknik pengambilan sampel non- probability sampling. Hasil hipotesis pada uji T menunjukkanbahwa variabel harga berpengaruh terhadap kepuasan pelanggan dengan nilai Thitung>Ttabel=4,785>1,975. Variabel kualitas pelayananberpengaruh terhadap kepuasan pelanggan dengan nilai Thitung>Ttabel=4,573>1,975. Variabel citra merek berpengaruh terhadap kepuasan pelanggan dengan nilai Thitung>Ttabel=3,883 >1,975. Hasil hipotesis pada uji F menunjukkan bahwa variabel harga, kualitas pelayanan dancitra merek secara bersamaan berpengaruh terhadap kepuasan pelanggan dengan nilai Fhitung>Ftabel=62,694>2,66. Hal ini menjelaskan bahwavariabel harga, kualitas pelayanan dan citra merek berpengaruh terhadap kepuasan pelanggan baik secara parsial maupun simultan. Kata Kunci: Harga, Kepuasaan Pelanggan, Citra Merek, Kualitas Pelayanan

Co-Authors Abimanyu Tuwuh Sembhodo Adya Hermawati Akbar Jaya Amris Amris Andika Dian Saputra Citra Meilana Rina Jayanti Endang Fatmawati Fachrudin Fiqri Affandy Hendy Tannady I Ketut Suada Imam Jayanto Jana Siti Nor Khasanah Lestari, Rani Nur Indah M. Syukri Nawir Marwati Setiawan Masaalah Marasabessy Miftahul Huda Miftahul Huda Moh. Syarifudin Muh. Anang Firdaus Muhamad Zainal Abidin Muhammad Hery Santoso Nur Afifah Nurfitri Iriani Utami Pratiwi, Ira Eka Purnomo Rani Nur Indah Lestari Siti Alwya Syarif Teguh Setiawan Wibowo

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