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Santri : Jurnal Ekonomi dan Keuangan Islam
Published by Asosiasi Riset Ekonomi dan Akuntansi Indonesia
ISSN : 30255910     EISSN : 30257948     DOI : 10.61132
Core Subject : Religion, Economy, Science,
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Ilmu bidang Ekonomi dan Akuntansi, sebagai media bagi para dosen, guru, peneliti dan para praktisi dalam bidang Ekonomi dan Manajemen
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 87 Documents
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Analisis Potensi Kebangkrutan Dengan Mengunakan Model Springate S.Score : (Studi Kasus Pada Perusahaan Penerbangan Yang Terdaftar Di BEI)” Elsa Pondi; Rati Pundissing; Mince Batara
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 1 No. 5 (2023): Oktober : SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v1i5.48

Abstract

Analysis of Potential Bankruptcy Using the Springate S.Score Model (Case Study) in Aviation Companies Listed on the IDX.This research aims to determine financial distress in airline companies listed on the stock exchange. The type of data used is secondary data in the form of data in the form of documents obtained from the official BEI link (www.idx.co.id). The data analysis technique used is the Springate model. .score. The research results show the springate score analysis method. This is indicated by the Springate score being less or more than the predetermined score. in airline companies during 2018-2021, (1) PT Garuda Indonesia (Tbk) (2) PT Jaya Trishindo (Tbk) (3) PT MNC energy investment (Tbk) and (4) PT AirAsia (Tbk) experienced financial distress, and in 2022 it will also experience financial distress but PT Garuda Indonesia will not experience financial distress.
Analisis Penerapan Artificial Intelligence terhadap Efektivitas Social Media Marketing pada Akun Instagram Cuci Sepatu Kelen dengan Pendekatan Model AIDA Muhammad Ikhsan Ali; Nur Ahmadi Bi Rahmani; Nurwani Nurwani
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 1 No. 5 (2023): Oktober : SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v1i5.50

Abstract

This research aims to examine the application, obstacles and benefits of Artificial Intelligence ChatGPT on the effectiveness of social media marketing using the Attention, Interest, Desire, Action (AIDA) model approach, especially on the Cuci Shoes Kelen Instagram account. The background to this research is the Industrial Revolution 4.0 which has created an era of digital technology with a high number of internet users in Indonesia, even though digital understanding and literacy is still low. This research uses descriptive qualitative methods by collecting data through virtual ethnography and interviews. The research subjects consisted of two owners of "Cuci Shoes Kelen," namely DB and FP, while the research object was the use of Artificial Intelligence ChatGPT in this account. The results of the first research showed that the application of Artificial Intelligence ChatGPT with the AIDA model approach on the Instagram account "Cuci Shoes Kelen" resulted in improvements in all aspects measured. Therefore, the marketing and promotional content produced by ChatGPT can increase the effectiveness of social media marketing. The results of the second research show that there are obstacles in implementing ChatGPT Artificial Intelligence, especially in new users' understanding of the types of questions that should be asked to ChatGPT, and also the limited information in ChatGPT version 3.5. However, benefits include ChatGPT's ability to provide promotional strategy recommendations that comply with AIDA concepts and detailed guidance for their implementation.
Analisis Strategi Pemasaran Bank Syariah Berbasis Digital Fintech (Financial Technology) Terhadap Pelayanan Nasabah : (Studi Kasus Pada PT. Bank Muamalat KCU Medan Baru) Chairunnisa Dian Puspa; Muhammad Lathief Ilhamy Nasution
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 1 No. 5 (2023): Oktober : SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v1i5.56

Abstract

Digital financial services provided by fintech companies operate or make use of digital technologies. One of the banks that has offered digital fintech-based services are Bank Muamalat KCP Medan Baru. These services include virtual account services, cash management systems, online banking, m-banking (M-DIN), and ATMs. the necessity of putting into practice marketing tactics that increase client happiness and faith in these services. The purpose of this study is to identify the Bank Muamalat KCP Medan Baru's digital fintech-based marketing strategy for customer service. At Bank Muamalat KCP Medan Baru, this kind of research is considered field research. This study is descriptive qualitative in nature. Interviews and documentation were used to obtain data. The key data sources used were interviews with Bank Muamalat sub-branch managers, customer care representatives, and consumers KCP Medan Baru, whereas secondary sources are drawn from written works or other types of documentation to supplement primary data. According to the research, it is known that Bank Muamalat KCP Medan Baru has applied a number of shari'ah marketing indicators, including a number of marketing mix components. Promotion has dominated marketing tactics throughout the Bank's existence. Brands, services, and procedures produce marketing value. Additionally, Bank Muamalat KCP Medan Baru is inextricably linked to the three key tenets of shari'ah marketing—piety, moderation, and virtue. The Principle of Piety is the one that is used the most frequently. Additionally, Bank Muamalat KCP Medan Baru should assess or enhance its marketing tactics for digital fintech services continuous attempts to increase usage of the system due to the fact that some clients are still unaware of Muamalat's digital fintech offerings, particularly its virtual accounts, cash management systems, and online banking.
Strategi dalam Menangani Pembiayaan Bermasalah Pada PT Bank Sumut Cabang Syariah Rantau Prapat Dela Prianti; Muhammad Lathief Ilhamy Nasution
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 1 No. 5 (2023): Oktober : SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v1i5.64

Abstract

Banking is a financial institution that plays an important role in a country’s economy. One of the current economic developments in Indonesia is the emergence of sharia-based financial institution, one of which is sharia banking. Like the function of banking itself, namely as an intermediary between people who need capital and people who have excess capital. One of sharia banking services is financing, namely the distribution of money by banks to costumers who need working capital. The bank provides capital to customers as business capital whose business result are calculated from the results according to the agreement. But in reality, it is not uncommon for customers to fail to pay for this financing. One of the reasons for the cessation of funding itself is the possibility of worsening business conditions. To minimize the risk of bad financing itself, banks must be able to make clear rules. In this article, Bank SUMUT Syariah Karya Rantau Prapat discusses various strategies for dealing with bad financing.
Strategi Pemasaran Produk Tabungan Easy Mudharabah dalam Meningkatkan Jumlah Nasabah Pada PT Bank Syariah Indonesia KCP Medan Juanda Miftha Maulida Anggi Natama; Muhammad Lathief Ilhamy Nasution
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 1 No. 5 (2023): Oktober : SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v1i5.65

Abstract

A company's success or failure is determined by the strategy, theory and marketing management applied. This research was conducted to find out what marketing strategies for easy mudharabah savings products are used by Bank Syariah Indonesia KCP Medan Juanda to increase the number of customers. This research uses descriptive qualitative analysis methods, using primary data, namely the researcher took data directly by interviewing the Marketing Funding BSI KCP Medan Juanda and secondary data secondary data obtained from documents, scientific journals, books and literature related to the research problem. The results obtained were that BSI carried out a marketing strategy, one of which was by implementing the 4p marketing mix, namely (product, price, promotion, place). BSI must be able to estimate strategic locations, collaborate with other agencies, expand market share, improve quality and innovate.
Pengaruh Dimensi Islam Terhadap Kepuasan Konsumen di Hotel Indah Syariah Sibuhuan Amir Hasan Hasibuan; Abd Manap Ht Uruk; Nurjannah Nasution
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 1 No. 5 (2023): Oktober : SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v1i5.66

Abstract

Abstract.The purpose of this research is to find out: (1) How the Islamic dimension of service affects consumer satisfaction at the Indah Syariah Sibuhuan Hotel, (2) Is there an influence of the Islamic dimension on consumer satisfaction at the Indah Syariah Sibuhuan Hotel. The type of research used in this research is quantitative research. In this quantitative method, research is carried out directly in the field or at the research location. The research approach used in this research is in the form of a direct survey to customers. Surveys are carried out by distributing questionnaires to customers. The results of this research show that the Islamic dimension of service on consumer satisfaction at the Indah Syariah Sibuhuan Hotel is very influential. The better the Islamic dimension of service provided, the higher the level of satisfaction when using the services of the Indah Syariah Sibuhuan Hotel. Hotel Indah Syariah Sibuhuan consistently provides high quality services to consumers, so that consumers feel satisfied with the service they receive. Aspects of service such as reliability, trust, appearance, empathy and responsiveness offered by the hotel, these are the Islamic dimension variables partially have a positive and significant effect on consumer satisfaction at the Indah Syariah Sibuhuan Hotel. With the regression coefficient for the Islamic dimension variable (X) being positive, the resulting t value of 5.076 is more than the t table of 1.672 with a significance of less than 0.558. This means that the Islamic Dimension variable (X) partially has a positive and significant effect on Consumer Satisfaction (Y).
Analisis Penetapan Harga Pokok Produksi Meubel Menurut Ekonomi Islam Di Kecamatan Taman Rajo Renaldi Pratama; Elyanti Rosmanidar; Khairiyani Khairiyani
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 1 No. 5 (2023): Oktober : SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v1i5.67

Abstract

The aim of this research is to find out how the basic price of furniture production is determined and constrained by Islamic economics in Taman Rajo District. This type of research is descriptive qualitative with primary and secondary data types. The data collection technique in this research uses observation, interview and documentation techniques, while for data analysis the researcher uses domain, textonomic and componential analysis. The results of the research explain that determining the basic price of furniture production according to Islamic economics in Taman Rajo District is carried out using several methods, including furniture business actors in Taman Rajo District determining or calculating the cost of raw materials used to produce furniture products. Business actors calculate labor costs which are calculated based on the results of the products produced and business actors calculate overhead costs which are costs incurred apart from raw material costs and labor costs in the production process. Obstacles in determining the basic price of furniture production according to Islamic Economics in Taman Rajo District include limited business capital which has an impact on determining production prices because the supply of raw materials is less affordable due to limited business capital for furniture business owners. Apart from that, the obstacle in determining the cost of production is that the strategic market target has not been achieved because the marketing strategy implemented by the business owner has not been maximized so that determining the cost of production is still based on the number of customers who order furniture products.
The Role of Halal Certification and Online Advertising Strategies in Shaping Consumer Demand in the Digitalization Era Siti Aminah
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 1 No. 5 (2023): Oktober : SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v1i5.73

Abstract

In the rapidly evolving era of digitalization, the roles of halal certification and digital marketing strategies are increasingly influencing consumer behavior and their demands for products and services. This article aims to unveil the pivotal roles of halal certification and digital marketing strategies in shaping consumer preferences in the digitalization era. Halal certification has become a crucial factor in meeting the needs of consumers who are becoming more conscious of religious and health aspects in their products and services. On the other hand, changes in technology and consumer behavior have opened new doors for digital marketing, especially through online platforms and social media. This article dissects how halal certification impacts consumer purchasing decisions in the digital environment and how digital marketing strategies can be employed to enhance awareness and understanding of halal products. By analyzing the impact of the combination of these two factors, this article provides deep insights into how the roles and interactions between halal certification and digital marketing strategies affect consumer demands in the current digitalization era. The findings of this research have significant implications for companies aiming to meet the diverse and discerning demands of consumers. With a better understanding of how halal certification and digital marketing can work together, companies can design more effective strategies to reach and retain consumer preferences in a competitive and ever-changing business environment.
Manakah Antara Pajak dan Zakat yang Lebih Efektif dalam Pengentasan Kemiskinan Menurut Mahasiswa Baru FEB UB Azka Maulana; Diva Armaita Sary; Diva Yonala Choirun Nisya’; Yuniar Rizqi Amanda; Ahmad Ferdiansyah Putra; Cindy Putri Nadia; Arif Mustapa
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 1 No. 6 (2023): Desember : SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v1i6.84

Abstract

Poverty is a long-standing problem across countries. Various kinds of efforts to alleviate poverty have been carried out by the government, of course with huge amounts of spending. The collection of funds to the society for social assistance financing can only be done through taxes and zakat. Research on the differences between tax and zakat has been widely conducted, so research on students' views on tax and zakat is needed to find out students' understanding of tax and zakat. This study used descriptive quantitative methods using data collection methods through questionnaire surveys. The results showed that new year college students who chose zakat more effectively or taxes were more effective in terms of poverty alleviation were almost balanced. However, data from BAZNAS and the Ministry of Finance shows that tax has more advantages in the amount of revenue it generates. In fact, several studies have shown empirical evidence that taxes are superior to zakat in terms of poverty alleviation. The results of this study can be used to improve the understanding of zakat and tax as poverty alleviation tools.
Kajian Simpanan Biji Pala Oleh Petani Di Desa Morela Kecamatan Leihitu Maluku Tengah Ummi Duwila; Andre Sapthu
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 1 No. 5 (2023): Oktober : SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v1i5.85

Abstract

The habit of storing the harvest in the form of nutmeg is something that has become a culture among the people of Morela village, Leihitu District, Central Maluku Regency. This research will examine theoretically the economic variables that influence the storage of dry nutmeg seeds by farming households. To analyze the relationship between variables that cause savings choices, an inter-time model is used. The choice is based on the meaning of the present and future times. If the present time is more meaningful then farmers will sell the nutmeg seeds they have and conversely if the future time is more meaningful it will increase the amount of nutmeg savings. The variables included in this research are relative price variables, current income and future income. This research uses primary data through interviews and questionnaires. The samples taken based on the purposive random sampling method were 75 farmers in Morela village. To analyze the magnitude of the influence of the independent variable on the dependent variable, cross-section regression was used using the Eviews tool. The results of the research show that the price variables at harvest, the estimated future price of cloves, and future consumption influence the clove savings of farmer households.

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