Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah最新文献

{"title":"PENGARUH TINGKAT KEPERCAYAAN DAN KUALITAS PELAYANAN TERHADAP PENYALURAN DANA ZAKAT MELALUI LAZISMU CIANJUR","authors":"Sirojudin Siroj, Erlina Kusna Bella, Irpan Jamil","doi":"10.35194/arps.v3i1.3221","DOIUrl":"https://doi.org/10.35194/arps.v3i1.3221","url":null,"abstract":"ABSTRAKPenelitian ini dilatarbelakangi oleh fenomena yang berkembang di masyarakat yaitu masih banyak muzakki yang menyalurkan dana zakatnya secara langsung kepada mustahik tidak melalui Lembaga Amil Zakat, yang diantaranya mengindikasikan menurunnya kesadaran masyarakat dalam menyalurkan dana zakat yang tidak sesuai dengan ketentuan syariat Islam. Tujuan dari penelitian ini adalah untuk menguji pengaruh tingkat kepercayaan dan kualitas pelayanan terhadap penyaluran dana zakat melalui LAZISMU Cianjur. Jenis penelitian ini adalah kuantitatif dengan metode deskriptif dan asosiatif. Metode pengambilan sampel dalam penelitian ini menggunakan Accidental Sampling melalui metode pengumpulan data menggunakan kuesioner. Berdasarkan uji koefisien determinasi (R2) besarnya pengaruh Tingkat Kepercayaan dan Kualitas Pelayanan berpengaruh positif signifikan terhadap Penyaluran Dana Zakat melalui LAZISMU Cianjur sebesar 74,9%, berarti bahwa 74,9% variabel Penyaluran Dana Zakat dapat dipengaruhi oleh Tingkat Kepercayaan dan Kualitas Pelayanan. Sedangkan sisanya 25,1% dipengaruhi oleh faktor atau variabel lain diluar variabel yang diteliti dalam penelitian ini. Maka untuk itu kepada peneliti selanjutnya direkomendasikan untuk mengembangkan dan memperdalam meneliti faktor atau variabel lain yang memiliki konstribusi.ABSTRACTThis research is motivated by a growing phenomenon in the community that there are still many muzakki who distribute Zakat funds directly to mustahik not through the Amil Zakat institution, which of them indicates a decrease in public awareness in distributing zakat funds that are not in accordance with the provisions of Islamic law. The purpose of this study was to examine the influence of the level of trust and quality of service to the distribution of zakat funds through LAZISMU Cianjur. This type of research is quantitative with descriptive and associative methods. Sampling method in this study using Accidental Sampling through data collection methods using questionnaires. Based on the coefficient of determination test (R2) the magnitude of the influence of the level of trust and quality of Service has a significant positive effect on the distribution of Zakat funds through LAZISMU Cianjur by 74.9%, meaning that 74.9% of the variable distribution of Zakat funds can be influenced by the level of trust and quality of service. While the remaining 25.1% is influenced by other factors or variables outside the variables studied in this study. Therefore, the researcher is then recommended to develop and deepen researching factors or other variables that have a contribution.","PeriodicalId":412643,"journal":{"name":"Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah","volume":"20 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131257306","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}

{"title":"PENGARUH FINANCING TO DEPOSIT RATIO DAN CAPITAL ADEQUACY RATIO TERHADAP RETURN ON EQUITY PADA PT. BANK CENTRAL ASIA SYARIAH PERIODE 2011-2020","authors":"I. Maulana, Husni Rofiq, Fithri Dzikrayah","doi":"10.35194/arps.v3i1.3364","DOIUrl":"https://doi.org/10.35194/arps.v3i1.3364","url":null,"abstract":"AbstrakPengukuran keberhasilan suatu perusahaan dapat dilihat melalui perolehan laba guna meningkatkan kinerja perusahaan. Salah satu yang dapat mempengaruhi Return On Equityadalah Financing to Deposit Rati dan Capital Adequacy Ratio. Penelitian ini bertujuan untuk mengetahui dan menganalisa pengaruh Financing to Deposit Ratio dan Capital Adequacy Ratio terhadap Return On Equity pada PT. Bank Central Asia Syariah. Metode yang digunakan dalam penelitian ini yaitu metode deskriptif dengan pendekatan kuantitatif. Sumber data yang digunakan dalam penelitian ini yaitu data sekunder dari publikasi laporan keuangan pada PT. Bank Central Asia Syariah. Hasil penelitian ini menunjukkan bahwa secara parsial Financing to Deposit Ratio berpengaruh positif terhadap Return On Equity dengan nilai koefisien determinasi sebesar 19,7%. Secara parsial Capital Adequacy Ratio berpengaruh negatif terhadap Return On Equity dengan nilai koefisien determinasi 56,0%. Secara simultan Financing to Deposit Ratio dan Capital Adequacy Ratio berpengaruh terhadap Return On Equity dengan nilai koefisien determinasi sebesar 50,58% pada PT. Bank Central Asia Syariah. AbstractThe measurement of the success of a company can be seen through the acquisition of profits in order to improve the company's performance. One that can affect Return On Equity is the Financing to Deposit Ratio and Capital Adequacy Ratio. This study aims to determine and analyze the effect of Financing to Deposit Ratio and Capital Adequacy Ratio on Return On Equity at PT. Bank Central Asia Syariah. The method used in this study is a descriptive method with a quantitative approach. The source of data used in this study is secondary data from the publication of financial statements at PT. Bank Central Asia Syariah. The results of this study indicate that partially Financing to Deposit Ratio has a positive effect on Return On Equity with a coefficient of determination of 19.7%. Partially, the Capital Adequacy Ratio has a negative effect on Return On Equity with a coefficient of determination of 56.0%. Simultaneously, Financing to Deposit Ratio and Capital Adequacy Ratio have an effect on Return On Equity with a coefficient of determination of 50.58% at PT. Bank Central Asia Syariah.","PeriodicalId":412643,"journal":{"name":"Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah","volume":"13 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126391001","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}

{"title":"PENGARUH LIABILITIES EMPLOYEE BENEFIT DAN INFAQ/SEDEKAH RESTRICTED FUNDS TERHADAP TOTAL LIABILITIES AND FUNDS DI LEMBAGA AMIL ZAKAT NASIONAL RUMAH ZAKAT FOUNDATION","authors":"Aris Alfiandi, U. Suherman","doi":"10.35194/arps.v3i1.3218","DOIUrl":"https://doi.org/10.35194/arps.v3i1.3218","url":null,"abstract":"AbstrakTotal Liabilitas dan Dana adalah jumlah seluruh kewajiban dan saldo dana. Kewajiban Imbalan Pasca Kerja dan Dana Infaq/Sedekah–Terikat yang besar mencerminkan hasil Total Liabilitas dan Dana yang besar pula. Masalah timbul ketika Kewajiban Imbalan Pasca Kerja dan Dana Infaq/Sedekah–Terikat yang mendapat hasil tinggi, namun hasil dari Total Liabilitas dan Dana justru rendah dan begitu pula sebaliknya. Seperti halnya yang terjadi di LAZNAS Rumah Zakat Foundation. Penelitian ini bertujuan untuk mengetahui pengaruh Kewajiban Imbalan Pasca Kerja secara parsial terhadap Total Liabilitas dan Dana di LAZNAS Rumah Zakat Foundation, pengaruh Dana Infaq/Sedekah–Terikat secara parsial terhadap Total Liabilitas dan Dana di LAZNAS Rumah Zakat Foundation, dan pengaruh Kewajiban Imbalan Pasca Kerja dan Dana Infaq/Sedekah–Terikat secara simultan terhadap Total Liabilitas dan Dana di LAZNAS Rumah Zakat Foundation.Kerangka berfikir pada penelitian ini berdasarkan pada teori yang menyatakan bahwa semakin tinggi Kewajiban Imbalan Pasca Kerja dan Dana Infaq/Sedekah–Terikat, maka semakin tinggi pula Total Liabilitas dan Dana.Metode penelitian yang digunakan adalah metode deskriptif dengan pendekatan kuantitatif. Data yang digunakan pada penelitian ini adalah data sekunder berupa laporan keuangan publikasi LAZNAS Rumah Zakat Foundation Periode 2010-2019 yang bersumber dari website resmi lembaga tersebut.Penelitian ini memperoleh hasil yang menyatakan bahwa Kewajiban Imbalan Pasca Kerja secara parsial berpengaruh negatif dan signifikan terhadap Total Liabilitas dan Dana dengan hasil koefisien determinasi sebesar 43,0%. Serta menyatakan bahwa Dana Infaq/Sedekah–Terikat secara parsial berpengaruh positif dan tidak signifikan terhadap Total Liabilitas dan Dana dengan hasil koefisien determinasi sebesar 1,12%. Dan juga menyatakan bahwa Kewajiban Imbalan Pasca Kerja dan Dana Infaq/Sedekah–Terikat secara simultan berpengaruh positif dan tidak signifikan terhadap Total Liabilitas dan Dana dengan hasil koefisien determinasi sebesar 48,2% di LAZNAS Rumah Zakat Foundation Periode 2010-2019.","PeriodicalId":412643,"journal":{"name":"Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129859691","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}

{"title":"MUDHARABAH MENURUT AAOIFI DAN DSN MUI","authors":"M. Zulfikar, Syamsul Bahri","doi":"10.35194/arps.v3i1.3244","DOIUrl":"https://doi.org/10.35194/arps.v3i1.3244","url":null,"abstract":"ABSTRAKPenelitian ini dimaksudkan untuk membandingkan fatwa-fatwa yang dikeluarkan AAOIFI dengan fatwa dari DSN-MUI. Penelitian ini tidak bertujuan untuk membandingkan kekuatan kelemahan ataupun kelebihan kekurangan dari fatwa kedua institusi tersebut, tapi lebih untuk melihat apakah terdapat titik temu atau kesamaan dalam rangka memperkuat akad Mudharabah yang sering dilakukan oleh para kaum Muslimin. Dengan metode yang digunakan pada penelitian ini berupa studi kepustakaan dengan telaah terhadap data-data yang relevan, diharapkan dapat membuahkan hasil penelitian yang dapat membantu untuk memperkaya khasanah keilmuan dalam rumpun ekonomi syariah. Penelitian ini sendiri memberikan kesimpulan bahwa fatwa AAOIFI dan DSN-MUI tentang Mudharabah sifatnya saling melengkapi dan bukan saling melemahkan. Dengan demikian kaum Muslimin, baik Lembaga keuangan maupun perorangan tidak akan merasa kebingungan untuk memilih pedoman fatwa yang akan dipergunakan untuk melakukan akad Mudharabah.ABSTRACTThis study aims to compare the fatwas from AAOIFI with those from DSN-MUI. This study isn't trying to determine the pros and cons or strengths and weaknesses of the fatwas of the two institutions. Instead, it's trying to find common ground or similarities that can help strengthen the Mudharabah contract that Muslims often follow. Using a literature study and a review of important data, the method used in this research, research results will be found that can help add to the scientific knowledge of the Islamic economic family. This study concludes that the AAOIFI and DSN-MUI fatwas on Mudharabah work well together and don't hurt each other. So, Muslims, financial institutions, and people won't be confused about which ruling rules to follow when making Mudharabah contracts. ","PeriodicalId":412643,"journal":{"name":"Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130915370","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}

{"title":"ANALISIS KUALITAS PELAYANAN CUSTOMER SERVICE PADA KEPUASAN NASABAH DI BANK BJB SYARI’AH KCP CIANJUR","authors":"Dadang Yudih, Cut Andini Kusumah, Anwar Musyaddad","doi":"10.35194/arps.v3i1.3219","DOIUrl":"https://doi.org/10.35194/arps.v3i1.3219","url":null,"abstract":"ABSTRAKPerbankan merupakan sektor bisnis yang bergerak dalam bidang jasa, di mana standar pelayanan menjadi faktor penting yang harus dimiliki oleh bank dalam menjalankan aktivitasnya. Untuk mencapai kepuasan nasabah, diperlukan kualitas pelayanan yang prima dari seluruh unit kerja di dalam bank, termasuk di antaranya unit kerja customer service. Penelitian ini bertujuan untuk mengevaluasi apakah Bank Jabar Banten Syariah (BJBS) kantor cabang pembantu Cianjur telah memberikan pelayanan yang baik melalui customer service-nya kepada nasabahn untuk menjaga loyalitas dan kepuasan mereka. Metode penelitian yang digunakan adalah metode kualitatif, yang bertujuan untuk memahami fenomena secara holistik melalui deskripsi dalam bentuk kata-kata dan bahasa. Penelitian ini melibatkan observasi langsung dan wawancara dengan sampel karyawan customer service dan nasabah. Hasil penelitian menunjukkan bahwa secara umum, bank BJBS kantor cabang pembantu Cianjur melalui customer service-nya sudah memberikan pelayanan terbaik, namun masih terdapat aspek-aspek yang perlu ditingkatkan guna mengurangi keluhan dan meningkatkan kepuasan serta loyalitas nasabah.ABSTRACTBanking is a business sector that operates in the field of services, where service standards are an important factor that banks must possess in carrying out their activities. To achieve customer satisfaction, it is necessary to provide excellent service quality from all units within the bank, including the customer service unit. This research aims to evaluate whether Bank Jabar Banten Syariah (BJBS) Cianjur Branch has provided good service through its customer service to maintain customer loyalty and satisfaction. The research method used is qualitative, aiming to understand phenomena holistically through descriptive analysis in words and language. The research involves direct observation and interviews with samples of customer service employees and customers. The results of the research indicate that overall, BJBS Cianjur Branch, through its customer service, has provided excellent service, but there are still aspects that need improvement to reduce complaints and enhance customer satisfaction and loyalty.","PeriodicalId":412643,"journal":{"name":"Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah","volume":"23 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124587855","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}

{"title":"IMPLEMENTASI PELAYANAN PRIMA (SERVICE EXCELLENCE) PADA UNIT FRONT OFFICE DI BSI KC CIANJUR SILIWANGI","authors":"Indra Muhammad Syarief Hidayat, Alifah Lufita Nur’aini, Neng Hesyah Resti","doi":"10.35194/arps.v3i1.3223","DOIUrl":"https://doi.org/10.35194/arps.v3i1.3223","url":null,"abstract":"ABSTRAKPerbankan adalah badan usaha yang bergerak dibidang jasa, dimana standar layanan merupakan salah satu faktor penting yang harus dimiliki oleh bank dalam aktivitasnya. Kepuasan nasabah dapat dicapai dengan adanya pelayanan prima dari seluruh unit kerja yang terdapat pada bank, termasuk salah satunya unit kerja layanan pelanggan. Tujuan dari penelitian ini adalah untuk mengetahui apakah bank Bank Syariah Indonesia (BSI) kantor cabang Cianjur Siliwangi sudah menerapkan pelayanan prima kepada para nasabahnya guna menjaga loyalitas nasabah tersebut. Metode penelitian yang digunakan pada penelitian ini adalah metode kualitatif, yaitu penelitian yang bermaksud untuk memahami fenomena tentang apa yang dialami oleh subjek penelitian secara holistik dan dengan cara deskripsi dalam bentuk kata-kata dan bahasa. Adapun Teknik yang digunakannya adalah dengan melakukan pengamatan (observasi) langsung serta wawancara kepada sampel karyawan layanan pelanggan dan nasabah. Hasil dari penelitian menunjukkan bahwa bank BSI kantor cabang Cianjur Siliwangi secara garis besar sudah mendekati kepada penerapan pelayanan prima, namun masih terdapat hal-hal yang perlu ditingkatkan guna meminimalisir komplain serta menjaga loyalitas nasabah.ABSTRACTBanking is a business entity engaged in the service sector, where service standards are one of the important factors that a bank must have in its activities. Customer satisfaction can be achieved through excellent service from all units within the bank, including the customer service unit. The objective of this study is to determine whether Bank Syariah Indonesia (BSI), Cianjur Siliwangi branch, has implemented excellent service for its customers in order to maintain their loyalty. The research method used in this study is qualitative research, which aims to understand the phenomena experienced by the research subjects holistically through descriptive words and language. The technique used includes direct observation and interviews with customer service staff and customers as samples. The results of the study indicate that, in general, Bank BSI, Cianjur Siliwangi branch, has approached the implementation of excellent service, but there are still areas that need improvement in order to minimize complaints and maintain customer loyalty.","PeriodicalId":412643,"journal":{"name":"Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah","volume":"4 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127703465","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}

{"title":"PENGARUH PENGUNGKAPAN CORPORATE SOCIAL RESPONSIBILITY DAN PROFITABILITAS TERHADAP NILAI PERUSAHAAN: SEBUAH LITERATUR","authors":"Aulia Putri Utami, Arham Rasyid Andi Kunna, Sri Sundari, Afdal Madein","doi":"10.35194/arps.v3i1.2747","DOIUrl":"https://doi.org/10.35194/arps.v3i1.2747","url":null,"abstract":"ABSTRAKPerusahaan memiliki tujuan jangka pendek dan jangka panjang. Dalam jangka pendek perusahaan bertujuan untuk memaksimalkan laba saat ini, dan dalam jangka panjang bertujuan untuk meningkatkan nilai perusahaan. Tujuan dari penelitian ini adalah untuk menganalisis pengaruh pengungkapan Corporate Social Responsibility (CSR) dan Profitabilitas terhadap nilai perusahaan. Aktivitas corporate social responsbility yang dilakukan perusahaan berdampak terhadap peningkatan efisiensi keuangan perusahaan dan loyalitas dari konsumen maka profitabilitas perusahaan juga cenderung meningkat sehingga memberikan sinyal positif untuk menarik para investor menanamkan modalnya. Hal tersebut dapat mempengaruhi nilai perusahaan. Dengan menggunakan metodologi tinjauan pustaka (systematic literature review) dan teknik analisis data empiris, beberapa penelitian sebelumnya menemukan bahwa pengungkapan corporate social responsibility dan profitabilitas dalam perusahaan mempunyai pengaruh yang positif dan signifikan terhadap nilai perusahaan.ABSTRACTThe company has short term and long term goals. In the short term the company aims to maximize current profits, and in the long term it aims to increase the value of the company. The purpose of this research is to analyze the effect of disclosure of Corporate Social Responsibility (CSR) and Profitability on firm value. The corporate social responsibility activities carried out by the company have an impact on increasing the company's financial efficiency and consumer loyalty, so the company's profitability also tends to increase thereby giving a positive signal to attract investors to invest. This can affect the value of the company. By using the systematic literature review methodology and empirical data analysis techniques, several previous studies found that disclosure of corporate social responsibility and profitability within a company has a positive and significant effect on firm value.","PeriodicalId":412643,"journal":{"name":"Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah","volume":"75 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-03-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132675179","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}

{"title":"PENGARUH PENGELOLAAN KERASIPAN TERHADAP EFESIENSI KERJA PEGAWAI DI BPRS GAIDO INDONESIA","authors":"Dadang Saepudin., Nadya Fitri Rizdiani, Sasa Sadiyah, Sitty Rachmmy Nurrul Ifadha","doi":"10.35194/arps.v2i2.2680","DOIUrl":"https://doi.org/10.35194/arps.v2i2.2680","url":null,"abstract":"ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh pengelolaan kearsipan terhadap efisiensi kerja pegawai di BPRS Gaido Indonesia. Metode penelitian yang digunakan yaitu Metode Kuantitatif. Adapun variabel penelitian adalah Pengelolaan Kearsipan (X) dan Efisiensi Kerja (Y) dengan menggunakan Teknik Pengambilan Sample yaitu sample jenuh. Populasi pada penelitian ini yaitu seluruh pegawai BPRS Gaido Indonesia, dengan jumlah sampel yang diambil sebanyak 30 orang. Sedangkan alat pengumpulan data yang digunakan adalah kuesioner. Hasil analisis penelitian menunjukkan pengaruh Pengelolaan Kearsipan  terhadap Efisiensi Kerja Pegawai di BPRS Gaido Indonesia.ABSTRACTThis study aims to determine the effect of archive management on the work efficiency of employees at BPRS Gaido Indonesia. The research method used is the Quantitative Method. The research variables are Archives Management (X) and Work Efficiency (Y) using Sampling Techniques, namely saturated samples. The population in this study were all employees of BPRS Gaido Indonesia, with a total sample of 30 people. While the data collection tool used is a questionnaire. The results of the research analysis show the effect of Records Management on Employee Work Efficiency at BPRS Gaido Indonesia.","PeriodicalId":412643,"journal":{"name":"Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah","volume":"30 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-11-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130688383","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}

{"title":"PENGARUH VARIABEL MAKROEKONOMI TERHADAP NILAI AKTIVA BERSIH REKSADANA SYARIAH DAN KONVENSIONAL DI INDONESIA","authors":"Muhammad Faisal, Ranti Wiliasih","doi":"10.35194/arps.v2i2.2642","DOIUrl":"https://doi.org/10.35194/arps.v2i2.2642","url":null,"abstract":"ABSTRAKPerbedaan   Reksadana syariah dan Reksadana konvensional yaitu adanya tahap screening and cleansing serta tidak diperbolehkanya berinvestasi kedalam efek yang tidak sesuai syariat Islam diduga memiliki dampak terhadap merespon perubahan variabel makroekonomi yang ada. Penelitian  ini bertujuan untuk menganalis pengaruh variabel makroekonomi yaitu suku bunga, nilai tukar, indeks harga saham gabungan, jumlah uang beredar dan produk domestik bruto terhadap Nilai Aktiva Bersih (NAB) Reksadana syariah dan konvensional. Metode yang digunakan adalah Vector Error Correction Model (VECM). Hasil penelitian menunjukkan bahwa suku bunga, nilai tukar, indeks harga saham gabungan dan jumlah uang beredar berpengaruh signifikan dalam jangka panjang terhadap nilai aktiva bersih Reksadana syariah, sedangkan nilai aktiva bersih reksadana konvensional hanya dipengaruhi produk domestik bruto dalam jangka panjang. Dampak negatif PDB terhadap NAB reksadana syariah menunjukkan bahwa Reksdana syariah berakar kuat pada sektor riil.ABSTRACTThe difference between the sharia and conventional mutual funds is that there is a screening and cleansing stage and it is not permissible to invest in securities that are not in accordance with Islamic law that expected to have an impact to response macroeconomics variable. This study aims to analyze the effect of macroeconomic variables, namely interest rates, exchange rates, composite stock price index, money supply and gross domestic product on the Net Asset Value (NAV) of Islamic and conventional mutual funds. The method used is the Vector Error Correction Model (VECM). The results show that interest rates, exchange rates, joint stock price index and money supply have a significant long-term effect on the net asset value of Islamic mutual funds, while the net asset value of conventional mutual funds is only affected by gross domestic product in the long run.","PeriodicalId":412643,"journal":{"name":"Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah","volume":"7 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-11-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129946423","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}

{"title":"PENGARUH PINJAMAN ONLINE TERHADAP PERKEMBANGAN USAHA KOPERASI SYARIAH BMT INVESTA MUBAROKAH CIANJUR","authors":"Lukmanul Hakim, Fitriyani Fitriyani, Muhammad Ilham Cahya Permana, Nisa Nurul Aini","doi":"10.35194/arps.v2i2.2673","DOIUrl":"https://doi.org/10.35194/arps.v2i2.2673","url":null,"abstract":"ABSTRAKSebagai koperasi yang beroperasi skala lokal dan mikro, kehadiran finansial teknologi pinjaman online yang memberikan kemudahan dalam mengaksesnya, hanya cukup foto KTP dan smartphone disinyalir mempengaruhi kualitas usaha pembiayaan di Koperasi Syariah BMT Investa Mubarokah. Sebagian anggota eksisting diketahui menggunakan fasilitas pinjaman online untuk memenuhi kebutuhannya. Penelitian ini menggunakan pendekatan kualitatif berdasarkan literatur studi dan obervasi in depth interview. Berdasarkan hasil penelitian menunjukan bahwa perkembangan usaha koperasi syariah BMT investa Mubarokah dalam penyediaan dana kepada anggota menurun yang disebabkan salah satunya kemudahan dalam  akses pinjaman online.ABSTRACTAs a cooperative that operates on a local and micro scale, the financial presence of online loan technology that provides convenience in accessing it, only photos of ID cards and smartphones are allegedly affecting the quality of financing businesses. at the BMT Investa Mubarokah Sharia Cooperative. Some existing members are known to use online loan facilities to meet their needs. This study uses a qualitative approach based on the study literature and observations in-depth interviews. Based on the results of the study, showed that the development of the BMT Mubarokah investment sharia cooperative business in providing funds to members decreased due to one of the reasons for the ease of accessing online loans","PeriodicalId":412643,"journal":{"name":"Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah","volume":"5 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-11-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"117013429","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}