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STRATEGI PEMASARAN FUNDING OFFICER DALAM MENINGKATKAN MINAT NASABAH DI BPRS AMANAH UMMAH Nawawi, M. Kholil; Pauji, Abdul; Hakiem, Hilman
AL-INFAQ Vol 6, No 2 (2015)
Publisher : Ibn Khaldun University, Bogor

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Abstract

Tujuan penelitian ini adalah untuk mengetahui Strategi Pemasaran Funding Officer dalam menghimpundana, faktor-faktor apa saja yang mempengaruhi peningkatan minat nasabah, dan bagaimana dampak Strategi Pemasaran terhadap peningkatan minat nasabah di BPRS Amanah Ummah. Keberadaan strategi sangat penting dalam memasarkan produk.Sebaik apapun segmentasi, pasar sasaran, dan posisi pasar yang dilakukan, tidak akan berjalan jika tidak diikuti dengan strategi yang tepat. Strategi adalah langkah-langkah yang harus dijalankan oleh suatu perusahaan untuk mencapai tujuan. Pemasaran adalah suatu proses kegiatan yang dipengaruhi oleh berbagai faktor, seperti sosial, budaya, politik, ekonomi, dan manajerial. Strategi pemasaran adalah langkah-langkah yang dilakukan untuk mengambil alih keputusan secara matang guna mendapatkan tujuan dan sasaran yang akan dicapai dengan memperhatikan kondisi lingkungan sekitar, maupun persiapan yang matang terhadap kesiapan-kesiapan yang akan dilakukannya nanti. Semua hal yang dilakukan ini untuk mendapatkan keinginan dan kebutuhan yang akan dicapai.Penelitian ini menggunakan metode pendekatan kualitatif dengan pendekatan analisis deskriptif, yaitu suatu metode pendekatan yang mengungkap situasi sosial tertentu dengan mendeskripsikan kenyataan secara benar, dibentuk oleh kata-kata berdasarkan teknik pengumpulan data yang relevan yang diperoleh dari situasi alamiah. Desain penelitian tidak dapat dipastikan diawal mengingat data yang digunakan masih bersifat mentah sehingga peneliti tidak mengetahui dengan pasti kondisi di lapangan. Proses pengumpulan data yang dilakukan antara lain berupa wawancara dengan Funding Officer (Fo Marketing) dan Nasabah, dokumentasi dan arsip BPRS Amanah Ummah. Hasil yang diperoleh dari penelitian ini adalah penerapan strategi pemasaran yang dilakukan oleh funding officer memberikan hasil yang baik, dari hasil yang dilakukan di lapangan, kepuasan, dan pelayanan yang baik, dan strategi marketing mix yang diterapkan berjalan sesuai dengan tujuan dan sasaran.Marketing mix terdiri dari Produk, Price, Place, Promotion dan Service. Semua ini diterapkan guna pencapaian peningkatan minat nasabah di BPRS Amanah Ummah dalam menabung maupun transaksi lainnya.
ANALYSIS OF THE FATWA MECHANISM OF DSN-MUI APPLICATION NO. 29 / DSN-MUI / VI / 2002 HAJJ CREDIT FINANCING IN ISLAMIC FINANCIAL INSTITUTIONS Paramita, Sinta; Ibdalsyah, Ibdalsyah; Hakiem, Hilman
AL-INFAQ AL-INFAQ | VOL. 8 NO.1 JUNE 2017
Publisher : Ibn Khaldun University, Bogor

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Abstract

 Fatwas authority on sharia economy in Indonesia is under the National Sharia Council of Majelis Ulama Indonesia (DSN-MUI). The existence of DSN-MUI outside the central bank structure makes the fatwa authority independent, more credible and nationally recognized in issuing decisions and fatwas related to sharia issues faced by banks and other Islamic financial institutions. In some sharia banks there are different practices. Especially for the management of pilgrimage involving many sectors in it how compliance with the fatwa which has been determined by the National Sharia Council. Though banks are basically not only as a place to seek profit or invest for this world alone but as a way to get closer to Allah SWT. This research will examine the application of Fatwa DSN-MUI No.29 / DSN-MUI / VI / 2002 about Hajj Credit Financing by Islamic Finance Institutions at PT. BPRS Amanah Ummah Leuwiliang Bogor. Research use qualitative approach method with type of qualitative empirical research. The results from this study are administration service of pilgrimage and hajj credit financing on cost of hajj travel in BPRS Amanah Ummah for both features and product details based on sharia is permitted in accordance with the Fatwa DSN-MUI. 29 / DSN-MUI / VI / 2002 about Hajj credit financing in Islamic financial institution. PT. BPRS Amanah Ummah is expected to seek a better system, modern and practical in packing this product. Thus, it can attract prospective customers or prospective pilgrims.
Analisi Peluang dan Tantangan Pelaksanaan Kewajiban Spin-Off Unit Usaha Syariah Menjadi Bank Umum Syariah: (Studi Kasus PT. BNI Syariah) Putra, Ari Andika; Qosim, Ahmad Mulyadi; Hakiem, Hilman
AL AMWAL (HUKUM EKONOMI SYARIAH) Vol. 2 No. 1 (2019): Jurnal Al Amwal (Hukum Ekonomi Syariah)
Publisher : STAI BHAKTI PERSADA BANDUNG

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Abstract

Berdasarkan UU No.21 tahun 2008, setiap Unit Usaha Syariah wajib spin-off menjadi Bank Umum Syariah jika telah memenuhi persyaratan tertentu, ketentuan wajib spin-off tersebut bertujuan untuk meningkatkan market share perbankan syariah di Indonesia. Dengan adanya undang-undang tersebut maka kedepanya BUS merupakan satu-satunya modus operasional perbankan syariah di Indonesia. Tentunya dalam prosesnya terdapat peluang dan tantangan yang harus dihadapi oleh setiap UUS yang melaukan spin-off menjadi BUS. Penelitian in bertujuan untuk mengetahui peluang dan tantangan yang dihadapi BNI Syariah ketika spin-off menjadi BUS. Penelitian ini bersifat deskripstif dengan pendekatan kualitatif proses pengumpulan data yang dilakukan dengan cara wawancara dan kajian pustaka. Hasil dari penelitian ini menunjukan bahwa proses spin-off pada BNI Syariah didorong oleh pentingnya melakukan spin-off sebagai alternatif strategi menghadapi perkembangan bisnis yang semakin ketat. Adapun faktor-faktor yang mendukung proses terjadinya spin-off antara lain : 1) faktor eksternal berupa dukungan dari regulator dan pemerintah, pertumbuhan perbankan syariah yang semakin baik, dan tingkat kesadaran dan preferensi masyarakat terhadap bank syariah yang semakin tinggi. 2) faktor internal meliputi ketentuan corporate plan BNI Syariah yang sejak awal berdirinya merencanakan spin-off , tingginya perkembangan market share BNI Syariah, dan kesiapan serta kapasitas yang mencukupi karena berpengalaman selama 9 (sembilan) tahun mengelola UUS. Sedangkan tantangan yang dihadapi adalah; sosialisasi nasabah, pemisahan neraca laba rugi dan perpajakan, pemisahan IT dan membentuk culture bank baru
MUSYARAKAH, MUDHARABAH DAN PERTUMBUHAN SEKTOR RIIL Hakiem, Hilman; Silfiaratih Waluyo, Desi
AL-INFAQ Vol 2, No 1 (2011)
Publisher : Ibn Khaldun University, Bogor

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Abstract

PENGARUH PEMBIAYAAN MURABAHAH TERHADAP PERKEMBANGAN UMKM DI KECAMATAN LEUWILIANG (STUDI KASUS BPRS AMANAH UMMAH) Novita, Linda; Nawawi, M. Kholil; Hakiem, Hilman
AL-INFAQ Vol 5, No 2 (2014)
Publisher : Ibn Khaldun University, Bogor

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Abstract

This study aims to determine the effect of murabaha financing to the growth of the customer's business. This growth can be seen from the number of customers each month income. This research is a study using a quantitative approach. The number of respondent of this study is 30 costumer of BPRS Amanah Ummah in Leuwiliang. The collection of data obtained from the two types of data are primary and secondary data is by using interviews and data were obtained from the BPRS Amanah Ummah. The technique used in this study is a sampling technique by taking a sample of a population. Analysis of data using correlation analysis, i.e. used to determine the relationship between the variables studied. The results showed that the utilization of murabaha financing to the development of the customer's business has a positive and significant impact to the value of r product moment, that is df = (N - nr) df = 30-2 = 28. It can be stated with df of 28 at the significant level of 5% was obtained r table at 0,361 and at significant level of 1% was obtained r table at 0.423. Thus due ro r xy or greater than r table is (0.98) and (0.98) at significance level of 5% and 1%, by the significant level of 5% can be known of the relationship between murabaha financing with the development of UMKM, and at significant level of 1% can be found a positive relationship between murabaha financing the development of UMKM
PENGARUH STRATEGI PEMASARAN PRODUK TABUNGAN IB HASANAH DENGAN AKAD WADIAH TERHADAP TINGKAT PERTUMBUHAN JUMLAH NASABAH BNI SYARIAH CABANG BOGOR Maesari, Maesari; Ibdalsyah, Ibdalsyah; Hakiem, Hilman
AL-INFAQ Vol 6, No 1 (2015)
Publisher : Ibn Khaldun University, Bogor

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Abstract

Tujuan penelitian ini adalah menganalisa apakah ada pengaruh strategi pemasaran produk tabungan iB Hasanah dengan akad wadiah terhadap tingkat pertumbuhan jumlah nasabah di BNI Syariah Cabang Bogor. Berdasarkan strategi pemasaran yang telah dilakukan BNI Syariah Cabang Bogor yaitu merekrut tenaga marketing (freelance), strategi membuka gerai (opentable), strategi kerjasama (joint to school and campus), strategi sponsor, strategi payroll penggajian. Terbukti bahwa dengan adanya strategi ini BNI Syariah Cabang Bogor mampu merealisasikan apa yang menjadi harapan pihak manajemen yaitu meningkatkan kepercayaan dan minat masyarakat kota Bogor terhadap produk-produk yang ditawarkan. Dalam penelitian ini juga ditemukan, terdapat pengaruh sangat kuat/tinggi antara strategi pemasaran produk tabungan iB hasanah dengan akad wadiah terhadap tingkat pertumbuhan jumlah nasabah.
Pengaruh Religiusitas, Label Halal, dan Alasan Kesehatan terhadap Keputusan Membeli Produk Makanan Instan Korea Fanika Selvianti; Ibdalsyah Ibdalsyah; Hilman Hakiem
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 2 No 1 (2021): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (566.811 KB) | DOI: 10.47467/elmal.v2i1.515

Abstract

This study aims to determine the effect of religiosity, halal label, and health reasons on the decision to buy Korean instant food products. The dependent variable in the study is the purchase decision, while the independent variables are religiosity, halal label and health reasons. The data in this study were collected through questionnaires distributed to consumers who had bought and consumed Korean instant food products in Cibinong. The research method used is quantitative. The population in this study are Korean instant food product consumers, with the data collected amounting to 80 respondents. The data analysis tool used in this study uses Structural Equation Modeling (SEM) with theapproach Partial Least Square (PLS). The results of this study indicate that there is a positive and significant influence of the religiosity variable on the decision to buy Korean instant food products, while the halal label variable has a positive but not significant effect on purchasing decisions and the health reason variable has a negative and insignificant effect on the decision to buy instant food products Korea.
Implementasi Pendistribusian Zakat Produktif untuk Usaha Mikro Mustahik di Era Pandemi Covid-19 Muhammad Danuludin; Ibdalsyah Ibdalsyah; Hilman Hakiem
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 2 No 2 (2021): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (357.071 KB) | DOI: 10.47467/elmal.v2i2.517

Abstract

Poverty and unemployment are problems that Indonesia is still facing today. The COVID-19 pandemic has had a significant impact on the national economy, including the MSME sector. Productive zakat distributed to MSMEs has the potential to help develop and form MSMEs mustahik in the era of the covid 19 pandemic. The implementation of zakat is important to see the potential of zakat in an effort to help mustahik to be more empowered to face the challenges of the times. This study aims to find out how to implement the distribution of productive zakat for mustahiq micro-enterprises during the pandemic, and to find out the obstacles faced by the Bogor City Baznas when distributing productive zakat during the pandemic. This research is a qualitative research with a qualitative descriptive approach. The data collection technique used is the interview and documentation method. Interviews were conducted with the Baznas of Bogor City as the authorized party in the distribution of zakat. The results showed that the Bogor City Baznas distributed productive zakat in the form of business capital. The productive zakat is distributed to individual and group mustahik. The Bogor Berkah program is included in the productive zakat based on taklim majlis. The maximum limit for assistance provided is Rp. 2,000,000. Recipients of productive zakat are also required to give infaq every day from the results of their efforts. Constraints faced by the Bogor City Baznas at the beginning of the pandemic were the reduced number of muzakki who distributed their zakat, limited space for monitoring, and efforts to develop MSMEs that were difficult to carry out.
Pengaruh Religiusitas, Gaya Hidup, dan Harga terhadap Keputusan Pembelian Produk Busana Muslim di Marketplace Aldeana Meliani; Ahmad Mulyadi Kosim; Hilman Hakiem
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 2 No 3 (2021): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (409.98 KB) | DOI: 10.47467/elmal.v2i3.535

Abstract

This study aims to find out how much religiosity, lifestyle, and price influence on the decision to purchase Muslim fashion products on Marketplace. Research using quantitative method by disseminating questionnaires through google-form to Muslim respondents who have purchased Muslim fashion products on Marketplace (Shopee) and domiciled in Jakarta and Bogor. Sampling techniques using purposive sampling method which is part of non probability sampling technique. The number of samples as many as 100 respondents. The results of this study showed that the religious variables did not have a significant effect, but lifestyle variables and prices had a significant effect. Other findings showed that variable Y could be explained by 67.9% by variable X. The remaining 33.1% was explained by other variables beyond the researchers' discussion.This study aims to find out how much religiosity, lifestyle, and price influence on the decision to purchase Muslim fashion products on Marketplace. Research using quantitative method by disseminating questionnaires through google-form to Muslim respondents who have purchased Muslim fashion products on Marketplace (Shopee) and domiciled in Jakarta and Bogor. Sampling techniques using purposive sampling method which is part of non probability sampling technique. The number of samples as many as 100 respondents. The results of this study showed that the religious variables did not have a significant effect, but lifestyle variables and prices had a significant effect. Other findings showed that variable Y could be explained by 67.9% by variable X. The remaining 33.1% was explained by other variables beyond the researchers' discussion.
Pengaruh Etika Bisnis Islam, Disiplin Kerja, dan Kompensasi terhadap Kepuasan Kerja Karyawan di Koperasi Syari’ah 212 Dwi Lia Rosalianti; Ikhwan Hamdani; Hilman Hakiem
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 3 No 1 (2022): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (713.919 KB) | DOI: 10.47467/elmal.v3i1.614

Abstract

Islamic business ethics is a business activity carried out by a businessman and runs his business in accordance with Islamic law with the existence of Islamic business ethics, it is expected that business people will carry out in accordance with the demands of Islamic law that have been regulated in the Al-Qur’an. Discipline is an attitude of mutual respect and appreciation, obeying applicable regulations in accordance with agreements that have been mutually agreed from the start . compensation is an acceptance as reward from giving work to the recipient of work for a job or service that has been done. The purpose of this study was to determine Islamic business ethics, work discipline, and compensation have a significant effect on employee job satisfaction in sharia’ah cooperatives 212. This study uses quantitative methods. The data analysis is linear regression. The data processing method in this study used the SPSS 16 program. The sampling technique used in this study was a saturated sample technique, that is all of the population was sampled. Amounting to 35 respondents. The data retrieval used was a questionnaire or questionnaire distributed to employees of the 212 shari’ah cooperative through the google from. The results of this study indicate that Islamic business ethics has no significant effect on employee job satisfaction in sharia’ah cooperatives 212, work discipline has a significant effect on employee job statisfactionin sharia’ah cooperatives 212, and compensation has a significant effects on employee job satisfaction in cooperatives shari’ah 212 with this conclusion, Islamic business ethics, work discipline, and compensation simultaneously have a significant effect on employee job satisfaction in shari’ah 212 cooperatives.