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Sahid Banking Journal

SahidBankingJ
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Published by Institut Agama Islam Sahid Bogor

ISSN : 28084381 EISSN : 28087402 DOI : https://doi.org/10.56406/sahidbankingjournal.v1i01

Core Subject : Religion, Economy,

Religion Economics, Econometrics & Finance

Sahid Banking Journal adalah peer-reviewed jurnal ilmiah berisi hasil penelitian ilmiah primer, kajian, ulasan ilmiah atau komentar/ kritik atas artikel yang diterbitkan di Sahid Banking Journal. Sahid Banking Journal menerima manuskrip atau artkel dalam bidang perbankan dan keuangan syariah dari akademisi, peneliti dan praktisi perbankan dan keuangan syariah baik nasional maupun internasional. Bidang keilmuan yang bisa diterbitkan di Sahid Banking Journal meliputi: - Perbankan Syariah , - Pasar Keuangan dan Pembiayaan Syariah, - Keuangan Sosial Syariah, - Literasi Keuangan Syariah, - Digital dan Fintech Syariah - Bidang lainnya yang relevan dengan lingkup perbankan dan keuangan syariah.

Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)

Articles 36 Documents

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ANALISIS KOLEKTIBILITAS PEMBIAYAAN MURABAHAH PADA BANK SYARIAH MANDIRI KANTOR CABANG PEMBANTU BOGOR SUDIRMAN Dinda Mutiara Rizki; Tubagus Rifqy Thantawi; Miftakhul Anwar
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Abstract This research is motivated by the interest of researchers to explore the collectibility level of murabahah contract financing, especially at Bank Syariah Mandiri Bogor Sudirman Branch Office. The higher the murabahah contract financing at Bank Syariah Mandiri Bogor Sudirman Branch Office, it will result in an increase in murabahah receivables and affect the collectibility level of murabahah receivables every year. If there is non-performing financing (NPF), it will disrupt the collectibility level. Meanwhile, the murabahah contract is still the most popular contract in the financing process of Bank Syariah Mandiri Bogor Sudirman Branch Office. This research is qualitative. The analysis used in this research is descriptive qualitative. The results showed that the Bank Syariah Mandiri Bogor Sudirman Branch Office had complied with the provisions in the Bank Indonesia Regulations and the Financial Services Authority Regulations in terms of murabahah contract financing. The collectibility level of Bank Syariah Mandiri Bogor Sudirman Branch Office is always at a safe level with a non-performing financing (NPF) value below 5%, which is 3.51% at the time of this research.

ANALISIS PERSEPSI MASYARAKAT TENTANG LAYANAN PEMBIAYAAN BERBASIS TEKNOLOGI INFORMASI BERDASARKAN PRINSIP SYARIAH (Studi Pada Desa Situ Udik Kecamatan Cibungbulang Kabupaten Bogor) Muhammad Rifal Arrifqi; Rully Trihantana; Ria Kusumaningrum
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

ABSTRACT The purpose of this study was to determine the knowledge and public perception of digital-based (online) financing services based on sharia principles. the method used is descriptive qualitative. The primary data in this study are the people of Situ Udik Village, Cibungbulang District, Bogor, while the secondary data is in the form of information obtained from the internet, books, journals, articles and other literature. Based on the results of the study, it can be concluded that most (70%) people do not know about digital-based services (online) based on sharia principles. In addition, the analysis of public perception in terms of needs (48%) of the community is quite in need and when viewed from the perspective of interest (44%) the community is quite concerned with using digital-based (online) financing services based on sharia principles. with the perception to avoid the practice of usury and avoid the frauds that occur in conventional credit. In this case, it is necessary to increase socialization and the existence of facilitators to increase public awareness in order to avoid the practice of usury..

PREFERENSI MASYARAKAT KECAMATAN PAMIJAHAN DALAM PEMANFAATAN SELF-SERVICE TECHNOLOGIES DIBANK SYARIAH (Studi Pada Kecamatan Pamijahan Kabupaten Bogor, Jawa Barat) keris kartono; Rully Trihantana; Ria Kusumaningrum
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Abstract One of the activities of a Sharia Bank that distributes funds to the public to develop a service based on independent information technology to be practical, easy, comfortable, and economical in cost, on Self-Service Technologies (SSTs) services such as Automatic Teller Machines (ATMs), SMS Bankimg, Mobile Banking, and Internet Banking. Currently, people in urban areas have been using SSTs a lot, while in rural areas SSTs the facilities and infrastructure are not sufficient enough. The aim is to examine people's preferences in the use of SSTs in Islamic banks. The research used a descriptive qualitative method with a phenomenological approach, the research subjects were in the Pamijahan sub-district, Bogor regency. The results of this study indicate that people's preferences are like or dislike like the number of respondents who like ATM machines 100% and 0% dislike, Mobile Banking is preferred by 75% and those who do not like it 15%, Internet Banking is preferred by 15% and those who do not like it. 75%, and SMS Banking is preferred 0.5% and 98.05% do not like it. In the village community, Kecamatan Pamijahan prefer ATM machines rather than Mobile Banking, Internet Banking, and SMS Banking because ATM machines are one of the facilities that are characterized by being able to withdraw cash cash at the ATM machine. Utilization of Self-Service Technologies In the Pamijahan sub-district, Bogor Regency, it is time efficient, practical, can check financial 24 hours, is safe, gets bank information, is free to register, and is comfortable. It is necessary to develop SSTs in rural communities so that their use is more optimal. Keywords: Preferences, Utilization of Self-Service Technologies, and Islamic Banks

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI AKSESIBILITAS UMKM TERHADAP PRODUK PEMBIAYAAN DI BANK UMUM SYARIAH (Studi Pada Kecamatan Pamijahan Kabupaten Bogor, Jawa Barat) Anita; Tubagus Rifqy Thantawi; Ermi Suryani
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

ABSTRACT In Indonesia, Micro, Small and Medium Enterprises (MSMEs) have an important role as the backbone of the Indonesian economy. In developing their business, SMEs are faced with several problems. Among them are low human resources, limited facilities and infrastructure, technology, the main factors that hinder the development of MSMEs are the lack of capital and limited access to finance. The MSME development process automatically requires a lot of funding, so many MSMEs finance through bank loans. This study aims to analyze the factors of education level, business experience, business turnover, compliance with paying income tax, total assets and type of business to affect the accessibility of MSMEs to financing products in Islamic banks. This type of research is quantitative research, taking a sample of 150 respondents using the Tabachic & Fidell technique, the sampling technique using simple random sampling technique. Methods of data analysis using multiple linear regression. The results of the t test showed that each independent variable, namely education level, business experience, had no positive and significant effect. Meanwhile, business turnover, compliance with paying income tax, total assets and type of business partially have a positive and significant effect. The results of the F test indicate that there is a positive influence simultaneously between the variables of education level, business experience, business turnover, compliance with paying income tax, total assets and type of business on accessibility.

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PEMILIK TOKO BANGUNAN UNTUK MENGAJUKAN PEMBIAYAAN DI BANK SYARIAH (Studi Pada Kecamatan Pamijahan dan Kecamatan Cibungbulang Kabupaten Bogor, Jawa Barat) Nadia Febtianda; Rully Trihantana; Miftakhul Anwar
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

ABSTRACT The purpose of this study is to determine the factors that influence shop buildings in collecting financing at Islamic banks. This thesis is localized in promotion, confidence and environment. Respondents in this study were building shop owners. The sample used in this study were 30 respondents. The sampling technique used is non-probability sampling with purposive sampling method. The results of the T test concluded that trust (T count -2.710, sig. 0.038) and the environment (T count -2.185, sig. 0.012) influenced the building shop's decision to apply for financing, while promotion had no effect on buildings. the decision to apply for financing to Islamic banks because it has a T-value of -1.549 < T table +- 1.705 and sig. 0.133 > 0.05. Meanwhile, from the results of the research F table with a value of 4.115 and a significance value of 0.016 which is greater than F table of 2.98 and a significance value of 0.05 it can be concluded that promotion, self-confidence, and the environment together influence building decisions. apply for financing in Islamic banks. And the results of the study of the coefficient of determination concluded that the influence of promotion, trust, and the environment on the hardware store's decision to raise financing in Islamic banks was 22.4%.

ANALISIS MINAT MASYARAKAT DALAM MENGAJUKAN PEMBIAYAAN DI PT. BPRS AMANAH UMMAH KANTOR CABANG CICURUG (Studi Pada Kecamatan Cicurug Kabupaten Sukabumu, Jawa Barat) Mohammad Husen; Rully Trihantana; Miftakhul Anwar
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

ABSTRACT Bank is a financial intermediary institution that collects public funds from parties who have excess funds and distributes funds to those in need. Financing is an activity of Islamic banks in channeling funds to other parties based on sharia principles. Distribution of funds in the form of financing is based on the trust given by the owner of the funds to the user of the funds. Financing in Islamic banks uses contracts according to needs such as buying and selling there are murabahah, salam and istishna, in the form of cooperation there are mudharabah and musyarakah, in leasing services there are ijarah and IMBT as well as a deposit in the form of qordh. . Customer interest is a form of desire and interest in a decision-making process that will be carried out by consumers or customers. There are several stages in the decision-making process that are generally carried out by someone, namely the introduction of consumer needs and information processing. This study aims to examine how the influence of service, reputation and procedure variables influence or not the public's interest in proposing financing. The research method used in this study is research using quantitative methods. Quantitative research methods are used to examine certain populations or samples, with the aim of testing established hypotheses. The type of research used is descriptive quantitative with a field research approach. From the results of this study it can be concluded that partially the service and procedure variables have an effect on interest while the reputation variable has no effect. Simultaneously the service, reputation and procedure variables simultaneously influence the interest variable.

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MASYARAKAT MENGAJUKAN PEMBIAYAAN KPR DI BTN SYARIAH (Studi Pada Kasus di Kecamatan Pamijahan Kabupaten Bogor, Jawa Barat) Hesti Safitri; Tubagus Rifqy Thantawi; Ermi Suryani
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Abstract Owning a home is a basic human need that must be met. This is where Islamic banks provide. As a result, Islamic banks provide a variety of housing finance (KPR) in accordance with Islamic principles, which can be selected according to the needs of the community. By offering different prices, strategic housing with industrial and economic centers as well as promotional activities can attract public interest in sharia financing through the sharia banking system. the research aims to find out whether the product, price, location, promotion, religious belief, knowledge, administrative costs, service quality, and economic capacity are positive for the benefit of the community applying for Islamic mortgage financing. This type of research is quantitative research conducted using data collection methods using raw data obtained through a questionnaire survey. The sample size is 100. The hypothesis testing method is multiple linear regression, t-test, f-test, and the coefficient of determination (adjusted R-squared). The results showed that product tcount was 2.506 > t table 1.98447, sig value was 0.014 <0.05, price tcount was 3.119 > t table 1.98447, sig value was 0.002 <0.05, and promotion had a tcount value 2.167 > t table 1.98447, sig value 0.033 <0.05, tcount service quality 2.012 > ttable 1.98447, sig value 0.047 <0.05, tcount economic capacity 3.69 > ttable 1.98447, t sig value is 0.000 <0, 05, so it can be concluded that the variables of product, price, promotion, service quality and economic capacity will affect people's interest in applying for Sharia KPR. Locality, religion, knowledge and administrative costs do not affect people's interest in applying for sharia mortgage funds. The variables of product, price, location, promotion, religious belief, knowledge, administrative costs, quality of service, and economic capacity all influence societal interests at the same time. The sig value of Fcount>Ftable (23.318>2.04) is 0.000 <0.05. Adjusted R-squared value = 0.670 or 0.67%, and the remaining 3.3% is influenced by other factors.

ANALISIS PEMBIAYAAN BSM IMPLAN PNS (Studi Pada Bank Syariah Mandiri Kantor Cabang Pembantu Bogor Sudirman) Diana Debora; Tubagus Rifqy Thantawi; Ermi Suryani
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Abstract This research is motivated by the development of BSM Implant financing which is increasing in line with the increasing level of consumption needs of civil servants. BSM Implan PNS Financing is a leading financing product at the moment, where this product is a sharia concept financing using a Murabahah contract that is offered to civil servants who need funds. Good for multipurpose financing, education, and home renovations. In providing BSM financing, KCP Bogor Sudirman has procedures that must be followed by customers, it is necessary to analyze BSM Implant financing, such as how the BSM Implant financing procedure flows, what obstacles are experienced in the BSM Implant financing process and what are the views of Islamic law on Implant financing BSM. This research is qualitative in nature and the data collection method is by conducting interviews. This data collection method was carried out at Bank Syariah Mandiri KCP Bogor Sudirman, the analysis used in this study was descriptive qualitative. The results of the study show that the flow of financing procedures is the first process that must be considered and carried out by the company to determine the initial steps of the financing process, such as what BSM Implant financing requirements must be met by customers. With this financing, it is hoped that good communication will be established between the bank and the customer. In carrying out the BSM Implant financing process, there are several obstacles encountered in the BSM Implant financing implementation process, namely the initiation process, the verification process, the contract/agreement process, and the disbursement process. And according to Islamic law, the implementation of BSM implant financing at Bank Syariah Mandiri KCP Bogor Sudirman is in line with Islamic law. This is corroborated by DSN MUI Fatwa No: 04/DSN-MUI/IV/2000 concerning Murabaha which states that this guarantee is permissible and strengthened by DSN Fatwa No: 44/DSN-MUI/VII/2004 concerning multilingualism.

PENGARUH KOMITMEN MANAJEMEN PUNCAK DALAM KUALITAS PELAYANAN BPRS TERHADAP KEPUASAN NASABAH [Studi Pada BPRS Botani (Bina Rahmah) Dramaga Bogor] Pitria Ningsih; Tubagus Rifqy Thantawi; Ermi Suryani
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

ABSTRACT One of the bank's problems is regarding service. The investigative questions include: 1) Does the customer service, counter and marketing of BPR Syariah together contribute to customer satisfaction? 2) Does the top management's commitment to BPR Syariah Botani service quality provide satisfaction for satisfaction? The aims of this research are: 1) To find out the effect of customer service, counter and BPRS marketing on sales satisfaction. 2) Prioritizing top management commitment to service quality of BPR Syariah Botani for credit satisfaction. This study uses quantitative analysis and the analysis used is multiple linear regression. The sampling technique used is simple random sampling. The research sample used was BPRS Botani and 100 respondents from the general public. The results of this study indicate that the adjusted R-squared value is 0.607 (60.7%). Priority satisfaction for CS, counter and marketing is 60.7%. The remaining 39.3% is approved by factors other than model. Thus the research hypothesis "There is an influence between customer service, over the counter service and marketing service on customer satisfaction of the Sharia Botanical Financing Bank" is accepted. The proposal for BPR Syariah Botani is the recovery rate for vocational training for BPRS employees, particularly in the service sector. Because it can increase satisfaction in terms of service and attract potential customers to do business with the bank. For visitor satisfaction, based on three data variables, respondents agree that the average is +4.

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MAHASISWA INSTITUT AGAMA ISLAM SAHID INAIS BOGOR MENABUNG DI BANK BNI SYARIAH Heri Ilham Nasrudin; Tubagus Rifqy Thantawi; Ermi Suryani
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Abstract The results of this study are to find out what factors influence and how much interest in Bank BNI Syariah. The benefits of increasing knowledge and getting to know what products are in BNI Syariah for INAIS students and increasing funding and credit at Bank BNI Syariah, quantitative methods with deductive theory, with descriptive statistics online questionnaires to test data, nonprobability sample research sampling with purposive sampling Tabhacic & Fiedell techniques and approaches. This research is supported by a thesis from Yayan Fauji 2010 which states that what influences the intention to save in Islamic banking is the profit sharing ratio and the quality of Islamic banking products. Some other findings that are not in line with this research regarding the factors that influence the intention to save at Islamic Banks, The 2018 Uniyanti's thesis states that what influences the intention to save at Islamic Banks is the factor of religion and pocket money income. . The results of this study used a linear regression test, partial T test, then t-table with a two-way test and α = 5% (0.05) is 1.97944. Then t count on the variable X1 Religion 1.293, X2 Knowledge 0.984, X3 Economic Ability of Parents 0.361, Promotion of Islamic Banks 1.367, Existence of Facilities 1.758, and Administrative Costs 1.549 less than t table. Thus Ho's decision is accepted by Ha is rejected. This means that there is no influence and not significant (not real) from the 6 variables. The influence of the 7 variables is only the profit sharing ratio of 2.389 so that Tcount is greater than Ttable. So thus Ho's decision is rejected and Ha is accepted. This means that there is significant influence and profit sharing ratio (real) on students' interest in saving at Bank BNI Syariah. Looking at the partial t test with a constant B of 1.850 which affects the interest in saving INAIS students at Bank BNI Syariah is the profit sharing ratio variable with a value of 0.226 using a two-way test α = 5% (0.05) of 1.97944, then the Constant B+ value If the ratio value is around 2.076, then the number of INAIS students who are interested in Bank BNI is around 0.02%, so that 9.93% of students are not interested in saving at Bank BNI Syariah.

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Contact Name Keris Kartono

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Phone +628389604920

Journal Mail Official keriskartono@inais.ac.id

Editorial Address Jl. Kapten Dasuki Bakri KM 06 Kecamatan Pamijahan Kabupaten Bogor 16810

Location Kab. bogor, Jawa barat INDONESIA

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Contact Name
Keris Kartono

Contact Email
keriskartono@inais.ac.id

Phone
+628389604920

Journal Mail Official
keriskartono@inais.ac.id

Editorial Address
Jl. Kapten Dasuki Bakri KM 06 Kecamatan Pamijahan Kabupaten Bogor 16810

Location
Kab. bogor,

Jawa barat

INDONESIA