Journal Of Sharia Banking最新文献_第3页

Motives of Non-Muslim Customers Using Services at PT Bank Syariah Mandiri Sibolga Branch Office 非穆斯林客户在PT银行Mandiri silbolga分行使用服务的动机

Journal Of Sharia Banking Pub Date : 2021-07-15 DOI: 10.24952/jsb.v2i1.4441

Mirna Sari, D. Harahap, Sry Lestari, Ferri Alfadri

{"title":"Motives of Non-Muslim Customers Using Services at PT Bank Syariah Mandiri Sibolga Branch Office","authors":"Mirna Sari, D. Harahap, Sry Lestari, Ferri Alfadri","doi":"10.24952/jsb.v2i1.4441","DOIUrl":"https://doi.org/10.24952/jsb.v2i1.4441","url":null,"abstract":"This research was motivated by in addition to Muslim customers it turns out there are also non-Muslim customers who are customers at Bank Syariah Mandiri Sibolga Branch Office. The purpose of this research is to find out whether there are many non-Muslim customers in BSM Sibolga and to find out what the motives of non-Muslim customers are using the services of Bank Syariah Mandiri Sibolga branch office. This type of research is descriptive qualitative. This research takes place in BSM Sibolga with research subjects of Bank employees: customer service, leadership, security guards and 9 non-Muslim customers related to the motives of non-Muslim customer customers in using services at BSM Sibolga, in this study supported by observation, interviews and documentation data. The results of this study conclude that the motives of non-Muslim customers in using BSM Sibolga services include: Personal motives namely work, cultural motives namely geographical (location) and groups (organizations or invitations from neighbors), and religious motives stimuli namely products. The most commonly found motif is a geographical motif, namely the location of Bank Syariah Mandiri Sibolga, located on the side of the road and easy to reach. Not found in the field of religious motives (religious observance), social motives (wealth, power and mastery of knowledge of personal motives (age and lifestyle). Non-Muslim customers Bank Syariah Mandiri Sibolga Branch Offices are mostly interested in gold pawning products. researchers conducted interviews with only a few non-Muslim customers who used gold pawning products that were found.","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"33 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128929540","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

FEASIBILITY ANALYSIS OF SMALL MEDIUM ENTERPRISES (MSMEs) IN MANDAILING NATAL REGENCY IN ACCESSING FINANCING IN SHARIA BANK 中小企业在伊斯兰银行获得融资的可行性分析

Journal Of Sharia Banking Pub Date : 2021-07-15 DOI: 10.24952/jsb.v2i1.4837

Suci Suci, F. Siregar, Sarmiana Batubara, Sry Lestari

{"title":"FEASIBILITY ANALYSIS OF SMALL MEDIUM ENTERPRISES (MSMEs) IN MANDAILING NATAL REGENCY IN ACCESSING FINANCING IN SHARIA BANK","authors":"Suci Suci, F. Siregar, Sarmiana Batubara, Sry Lestari","doi":"10.24952/jsb.v2i1.4837","DOIUrl":"https://doi.org/10.24952/jsb.v2i1.4837","url":null,"abstract":"The background of this research is Micro, Small and Medium Enterprises (MSMEs), which are productive businesses owned by individuals or private business entities, also called populist businesses, which currently receive attention and privileges mandated by law, including business credit assistance with low interest, ease of business permit requirements, business development assistance from government agencies, and several other facilities. No exception in Mandailing Natal Regency, which on average has a Micro, Small and Medium Enterprises (MSMEs). Lack of a good management system and capital that causes the failure of Micro, Small and Medium Enterprises (MSMEs) in Mandailing Natal Regency. The analysis is used to determine whether Micro, Small and Medium Enterprises (MSMEs) are eligible in obtaining financing from Bank Syariah Mandiri KCP Panyabungan. This research is a descriptive qualitative research. Data collection techniques in this study were interviews, observation, and documentation. The research subjects in this study consisted of First Informants namely SMEs and Secondary Informants namely Bank Mandiri Sharia Panyabungan KCP. The results of the study can be seen that the micro financing of Bank Syari'ah Mandiri is an alternative financing product from Bank Syari'ah Mandiri which is intended for MSME entrepreneurs (Micro, Small and Medium Enterprises). Analysis of the feasibility of micro financing of the Syari'ah Bank Mandiri Panyabungan Sub-Branch Office to prospective customers is that the submission must meet the requirements: Character, Capacity, Capital, Collateral, Condition (5C) and the conditions that must be met by the SMEs. In accessing financing in Islamic banks is very influential because there must be requirements that must be completed so that the disbursement of financing for Micro, Small and Medium Enterprises (MSMEs) can be resolved as soon as possible and can be accepted by the bank.","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"21 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122088392","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 2

DETERMINATION OF EMPLOYEE JOB SATISFACTION PT BANK SYARIAH MANDIRI 银行伊斯兰教规对员工工作满意度的影响

Journal Of Sharia Banking Pub Date : 2021-07-15 DOI: 10.24952/jsb.v2i1.4446

Ira Widya, Arbanur Rasyid, Muhammad Wandisyah, M. Fauzan

{"title":"DETERMINATION OF EMPLOYEE JOB SATISFACTION PT BANK SYARIAH MANDIRI","authors":"Ira Widya, Arbanur Rasyid, Muhammad Wandisyah, M. Fauzan","doi":"10.24952/jsb.v2i1.4446","DOIUrl":"https://doi.org/10.24952/jsb.v2i1.4446","url":null,"abstract":"Fluctuations that occur in the number of employees at PT Bank Syariah Mandiri Gunung Tua Sub-Branch Office, which indicates employee dissatisfaction. The fluctuation that occurred was caused by several employees who applied for resignation for several reasons as well as employee dismissal due to not achieving the target. The formulation of the problem in this study is whether the influence of work environment, competence, and career development has an influence on employee job satisfaction. The aim is to determine whether there is an influence of these three variables on employee job satisfaction at PT Bank Syariah Mandiri Gunung Tua Sub-Branch Office. This research is a quantitative study with sampling using saturated samples with a sample size of 17. The data collection technique uses literature study, interviews, documentation and questionnaires. Data analysis techniques include instrument test (validity test, reliability test), classic assumption test (normality test, multicollinearity test, heteroscedasticity test), multiple linear regression analysis, hypothesis testing (determination coefficient test (R2), t test, F test). To simplify the data analysis process, this research was assisted by the SPSS version 23 program. The results of the t test showed that there was no influence of the work environment on employee job satisfaction, there was no influence between competence on employee job satisfaction, and there was an influence between career development on employee job satisfaction. Simultaneously there is an influence between work environment, competence, and career development on employee job satisfaction.","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"15 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125429687","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 1

Analysis Of Public Interest In Banking Products 银行产品中的公共利益分析

Journal Of Sharia Banking Pub Date : 2021-07-15 DOI: 10.24952/jsb.v2i2.5042

Tukma Tukma, D. Harahap, Ihdi Aini, Ida Royani

{"title":"Analysis Of Public Interest In Banking Products","authors":"Tukma Tukma, D. Harahap, Ihdi Aini, Ida Royani","doi":"10.24952/jsb.v2i2.5042","DOIUrl":"https://doi.org/10.24952/jsb.v2i2.5042","url":null,"abstract":"This research is based on the fact that there are still many people in Environment I Of Muara Manompas Village, Muara Batang Toru District, not yet familiar with Islamic bank products. The rapid development of Islamic banks has not been able to affect the public interest in products offered by Islamic banks. The entire community of Environment I Muara Manompas Village is Muslim, but public interest in Islamic bank products is still low. This is evidenced by the number of people who prefer products offered by conventional banks rather than Islamic banks. Andri Wicaksono's theory of expressing interest is a tendency that still pays attention to some activities. According to Yudrik Jahja in his book, Educational Psychology interest is an impulse that causes the bonding of individual attention to certain objects such as work, lessons, objects, and people. The sampling technique used is random sampling. Data processing uses SPSS application version 23. Data analysis uses instrument validity and reliability tests, descriptive statistical analysis tests, normality tests, classical assumption tests consisting of multicollinearity tests and heteroskedasticity tests, multiple linear regression tests, and hypothesis tests. The results of this study showed partially the variable of knowledge has an influence on public interest with a value of thitung = 1.841, so thitung ttabel, (1,841 1.66792). Location variables have an influence on people's interests with thitung value = 1.917 so that thitung ttabel (1.917 1.66792) and service quality variables have no effect on public interest with thitung value = 1.172 so thitung ttabel (1,172 1.66792). The results of simultaneous research show that the variables of knowledge, location, and quality of service have an influence on people's interests.","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"36 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133392227","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 3

SWOT ANALYSIS OF SAVING PRODUCTS IB HIJRAH HAJI PT. BANK MUAMALAT INDONESIA SUPPORTING BRANCH 海吉拉哈吉银行印尼分行储蓄产品的Swot分析

Journal Of Sharia Banking Pub Date : 2021-07-15 DOI: 10.24952/jsb.v2i1.4836

Vera Vera, Ikhwanuddin Harahap, Windari Windari, A. Damisa

{"title":"SWOT ANALYSIS OF SAVING PRODUCTS IB HIJRAH HAJI PT. BANK MUAMALAT INDONESIA SUPPORTING BRANCH","authors":"Vera Vera, Ikhwanuddin Harahap, Windari Windari, A. Damisa","doi":"10.24952/jsb.v2i1.4836","DOIUrl":"https://doi.org/10.24952/jsb.v2i1.4836","url":null,"abstract":"One of the obstacles for the Mandailing Natal community to go on a pilgrimage is the high cost of going on a pilgrimage. IB Hijrah Haji Savings is a savings account that makes it easier for people to visit the Baitullah. However, not many people know about this IB Hijrah Haji savings product, seen from the number of IB Hijrah Haji savings customers who experience fluctuations every month in 2018. The problem formulation in this study is how to analyze the SWOT product of the IB Hijrah Haji Savings product PT. Bank Muamalat Indonesia Panyabungan Sub-Branch. The purpose of this study was to determine the development of the number of customers of IB Hijrah Haji Savings PT. Bank Muamalat Indonesia Panyabungan Sub-Branch. This research was conducted at PT. Bank Muamalat Indonesia Panyabungan Sub-Branch with qualitative-descriptive research method. The subjects of this research are employees of PT. Bank Muamalat Indonesia Panyabungan Sub-Branch, IB Hijrah Haji savings customers and the Mandailing Natal community. Collecting data using interview techniques and direct and indirect observations of objects related to the researched and documentation. Meanwhile, data analysis used the following techniques: data editing, data reduction and data decryption. The results of the study using the SWOT Matrix showed that PT. Bank Muamalat Indonesia Panyabungan Sub-Branch has strengths which consist of: fairly good and fast service, service to deliver prospective pilgrims and free Hajj rituals, free administration fees, free insurance. Weaknesses of IB Hijrah Haji savings, namely: lack of human resources marketing IB Hijrah Haji savings products, product promotion is still lacking. The savings opportunities for IB Hijrah Haji are: people who are predominantly Muslim, increasing customer interest in using this product, strategic location. Meanwhile, the threats of IB Hijrah Haji savings are: product competition that is getting tighter, locations between banks that are close to each other.","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127592279","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 1

THE EFFECT OF INFLATION LEVEL AND GOLD PRICES ON THE DISTRIBUTION OF RAHN'S FINANCING IN PT. PEGADAIAN (PERSERO) SHARIA BRANCH ALAMAN BOLAK PADANGSIMPUAN 通货膨胀水平和黄金价格对私人银行融资分配的影响[j]

Journal Of Sharia Banking Pub Date : 2021-07-15 DOI: 10.24952/jsb.v2i1.4440

Berlin Berlin, Abdul Nasser Hasibuan, Sarmiana Batubara, I. Saleh

{"title":"THE EFFECT OF INFLATION LEVEL AND GOLD PRICES ON THE DISTRIBUTION OF RAHN'S FINANCING IN PT. PEGADAIAN (PERSERO) SHARIA BRANCH ALAMAN BOLAK PADANGSIMPUAN","authors":"Berlin Berlin, Abdul Nasser Hasibuan, Sarmiana Batubara, I. Saleh","doi":"10.24952/jsb.v2i1.4440","DOIUrl":"https://doi.org/10.24952/jsb.v2i1.4440","url":null,"abstract":"This research is motivated by the financing of rahn distributed by PT. Pegadaian (Persero) Syariah Branch of Alaman Bolak Padangsidimpuan from 2015-2018 has always experienced an increase. In 2015 rahn financing disbursed amounted to Rp. 12,722,736 experienced an increase in 2016 by 10% to Rp. 14,171,000, then continued to increase in 2017 by 11% to Rp. 15,877,390 while in 2018 it increased by 1% in the amount of Rp. 15,918,480, but the level of inflation and the price of gold Padangsidimpuan City has increased and decreased. This is very possible because the inflation rate is very influential to the rising cost of gold and the price of gold can be said to affect the distribution of financing because some people who mortgaged their goods in the form of gold to obtain funds. This research is quantitative research. Data sources used are primary data and secondary data. To collect the required data is done by using the interview and documentation method, namely the 2015-2018 monthly financial statements PT. Pegadaian (Persero) Syariah Branch of Alaman Bolak Padangsidimpuan, with a total sample of 48 months. Data were processed with the help of SPSS program version 23. Based on statistical test results partially the inflation rate does not affect the distribution of rahn financing, this can be proven in the hypothesis testing results of the inflation rate variable having tcount (-1,639) ttable (-1,679), then H0 is accepted Ha is rejected, and the gold price variable has t (2,353) ttable (1,679), then H0 is rejected Ha is accepted, then the inflation rate and gold price variables simultaneously influence the distribution of rahn financing with the results of Fcount (4,435) Ftable (3,204) means that H0 is rejected and Ha is accepted, from the determination test obtained the calculation of 18.4% is determined by the inflation rate and the price of gold and the remaining 81.6% is explained by other variables.","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"81 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125630130","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 1

THE EFFECT OF BRAND EQUITY, PROMOTION AND SERVICES ON CUSTOMER'S DECISION TO USE SHARIA BANK IN SANGKUMPAL BONANG PADANGSIDIMPUAN MARKET 品牌资产、促销和服务对sangkumpal bonang padangsidimpuan市场客户使用伊斯兰银行决策的影响

Journal Of Sharia Banking Pub Date : 2020-12-17 DOI: 10.24952/jsb.v1i2.4353

Jeni Kurnia, Muhammad Isa, B. Gautama, Damri Batubara

引用次数: 2

Analysis of the Determinants of Third Party Funds PT. Bank Muamalat Indonesia Tbk 第三方资金的决定因素分析[j] .印尼摩马拉银行Tbk

Journal Of Sharia Banking Pub Date : 2020-12-15 DOI: 10.24952/jsb.v1i2.4745

Devi Yana, Windari Windari, Ali Hardana, Abdul Nasser Hasibuan

引用次数: 0

STRATEGY OF MARKET SEGMENTATION, TARGETING AND POSITIONING IN INCREASING THE NUMBER OF CUSTOMERS AT PT. BANK MUAMALAT INDONESIA Tbk KCP PANYABUNGAN 市场细分，目标和定位的策略，以增加客户数量在PT印尼MUAMALAT银行Tbk KCP PANYABUNGAN

Journal Of Sharia Banking Pub Date : 2020-12-15 DOI: 10.24952/jsb.v1i2.4437

Rosdiyah Rosdiyah, Abdul Nasser Hasibuan, Azwar Hamid, Z. Matondang

{"title":"STRATEGY OF MARKET SEGMENTATION, TARGETING AND POSITIONING IN INCREASING THE NUMBER OF CUSTOMERS AT PT. BANK MUAMALAT INDONESIA Tbk KCP PANYABUNGAN","authors":"Rosdiyah Rosdiyah, Abdul Nasser Hasibuan, Azwar Hamid, Z. Matondang","doi":"10.24952/jsb.v1i2.4437","DOIUrl":"https://doi.org/10.24952/jsb.v1i2.4437","url":null,"abstract":"This research is motivated by the large number of people in the city of Panyabungan who are predominantly Muslim who will provide benefits for Islamic banks. Selection of the right market by using market segmentation strategies, targeting and positioning that will help PT. Bank Muamalat Indonesia Tbk KCP Panyabungan in selecting potential customers who are useful to win competition with other banks. The research methodology used is descriptive qualitative using primary data and secondary data. Primary data were obtained by collecting data through interviews and observations, while secondary data were obtained from documents of BMI KCP Panyabungan. The research found that the marketing strategy for BMI KCP Panyabungan products was market segmentation by selecting demographic and behavioral segmentation. Then the targeting is that BMI KCP Panyabungan chooses traders, entrepreneurs and employees as the target market. Next to positioning, BMI KCP Panyabungan builds a good image by embracing Ulama and educating the public that PT. Bank Muamalat Indonesia is an Islamic bank and is free from usury and provides souvenirs containing symbols to Ulama. Meanwhile, the obstacles faced are the size of the area, other competitors.","PeriodicalId":208862,"journal":{"name":"Journal Of Sharia Banking","volume":"8 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"120938523","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 4

THE EFFECT OF MUDHARABAH, MUSYARAKAH AND MURABAHAH FINANCING ON NET PROFIT IN PT. BANK MUAMALAT INDONESIA, Tbk “木达拉巴”、“木亚拉巴”和“木达拉巴融资”对印尼穆马拉PT银行净利润的影响

Journal Of Sharia Banking Pub Date : 2020-12-15 DOI: 10.24952/jsb.v1i2.4431

Ayu Rumi, Arbanur Rasyid, Ali Hardana, Sulaiman Efendi

引用次数: 3