Institutional Repository UIN Sunan Kalijaga Yogyakarta: No conditions. Results ordered -Date Deposited. 2024-03-29T09:41:25ZEPrintshttp://digilib.uin-suka.ac.id/images/sitelogo.pnghttps://digilib.uin-suka.ac.id/2024-03-15T01:44:02Z2024-03-15T01:44:02Zhttp://digilib.uin-suka.ac.id/id/eprint/64366This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/643662024-03-15T01:44:02ZCYBER ATTACKS PADA BANK SYARIAH INDONESIA: ANALISIS SENTIMEN DI APLIKASI X (TWITTER)Penelitian ini bertujuan untuk mengklasifikasi dan mengetahui sentimen dari opini masyarakat di media sosial X (twitter) mengenai fenomena yang terjadi yaitu cyber attacks pada BSI. Penelitian ini menggunakan pendekatan kualitatif yaitu analisis sentimen yang mana melibatkan pendekatan yang mendalam terhadap teks untuk mengidentifikasi dan memahami nuansa perasaan atau opini. Sumber data yang digunakan penelitian ini yaitu menggunakan data sekunder. Penelitian ini menggunakan pendekatan text mining untuk menganalisis cuitan pada aplikasi X (twitter) dengan metode lexicon based VADER (Valence Dictionary and Sentiment Reasoner). Hasil dalam penelitian ini yaitu sentimen negatif sebesar 38.6% (362 cuitan), sentimen positif memiliki persentase 32.7% (307 cuitan), dan sentimen netral memiliki persentase terkecil dengan persentase 28.7% (269 cuitan). Implikasi dari penelitian ini secara praktis diharapkan bagi pihak BSI untuk meningkatkan layanan sistem serta mengoptimalkan CRM (Customer Relationship Management). Bagi regulator harus terus memperkuat dan mengevaluasi supervisory technology dan regulatory technology. Serta Badan Siber dan Sandi Negara (BSSN) untuk terus menjaga keamanan siber perlu melakukan tindakan preventif untuk memitigasi risiko.NIM.: 20108020016 Nada Cantika Putri Kadua2024-02-12T06:24:35Z2024-02-12T06:24:35Zhttp://digilib.uin-suka.ac.id/id/eprint/63563This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/635632024-02-12T06:24:35ZPENGARUH PENERAPAN KONSEP GREEN BANKING TERHADAP GREEN LOYALTY PADA PERBANKAN SYARI’AH DI NTBThe primary purpose of this research is to determine the effect of green banking on green loyalty in Islamic banking in NTB, using the theory of stakeholders, legitimacy, and self-regulation. It was extended with three variables X as a model of the Green Banking translation, namely Green Innovation, Green Finance, and Environmental Performance. This study aims to determine the influence of green banking on green loyalty and Islamic banking in NTB, moderated by the Sharia variable governance. This study uses quantitative methods with the help of SmartPls 03 software to analyze data. The findings of this study show that the Green Innovation and Environmental Performance variables affect Green Loyalty, while Green Finance has no effect. Using Shria Governance as moderation only strengthens Green Innovation of Green Loyalty. 'Hopefully, the results of this study can contribute to Sharia banking and customers in choosing products that are more environmentally friendly and sustainable.NIM.: 21208012019 Widya Rizki Wulandari, S.E2024-02-07T04:11:53Z2024-02-07T04:11:53Zhttp://digilib.uin-suka.ac.id/id/eprint/63533This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/635332024-02-07T04:11:53ZANALISIS DIVERSIFIKASI DAN RESTRUKTURISASI PEMBIAYAAN TERHADAP PEMBIAYAAN BERMASALAH PADA PERBANKAN DI INDONESIAThis study aims to analyze Diversification and Financing Restructuring on
Non
Pe rforming Financing in Banking in Indonesia. The object of research is ten
Islamic Commercial Banks with fifteen Conventional Banks to get more
comprehensive results. The research data used is secondary data obtained from
quarterly financial reports for 201 8 2022 through the Financial Services
Authority's financial report publication page. The analytical tools used in the
research are Stata 17 and Microsoft Excel. The data analysis technique used is
panel data regression. MSME Financing variables have no sig nificant effect on
NPF. Non MSME Financing variables have a significant negative effect on NPF.
Financing Restructuring variable has a significant positive effect on NPF. Banks
need to provide more massive financing to non MSMEs because it can reduce the
N PF rate and banks need to apply prudential banking when financing
restructuring occurs because of the potential risk of default so that it affects NPF.NIM.: 20108020081 Fiqih Nurhidayat2024-02-07T03:41:16Z2024-02-07T03:41:16Zhttp://digilib.uin-suka.ac.id/id/eprint/63529This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/635292024-02-07T03:41:16ZANALISIS PENGARUH NON PERFORMING FINANCING, FINANCING TO DEPOSIT RATIO DAN BIAYA OPERASIONAL TERHADAP PENDAPATAN OPERASIONAL TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIAThis study aims to analyze the effect of Non-Performing Financing, Financing To
Deposit Ratio, and Operating Cost to Operating Income on the Profitability of
Islamic Commercial Banks in Indonesia. This study uses nine Islamic banks listed
on the Financial Services Authority website as the object of research this time. This
study uses secondary data accessed from quarterly financial reports for a 5-year
period. The software that the author uses in this research is Stata 14 and Microsoft
Excel. The data analysis technique used in this research is panel data regression.
Non-Performing Financing variable has a significant negative effect on ROA.
Financing To Deposit Ratio variable has a significant positive effect on ROA.
Variable Operating Cost to Operating Income has a significant negative effect on
ROA. Banking management needs to implement a prudent system in channeling so
that it can increase the FDR ratio and reduce the risk of bad credit and streamline
bank operations so as to increase profitability.NIM.: 20108020050 Isa Ary Yatma Abdullah2024-02-07T03:38:32Z2024-02-07T03:38:32Zhttp://digilib.uin-suka.ac.id/id/eprint/63528This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/635282024-02-07T03:38:32ZANALISIS PENGARUH MAKROEKONOMI DAN MIKROEKONOMI TERHADAP LIKUIDITAS PERBANKAN DI INDONESIA PERIODE TAHUN 2017-2022This study aims to determine the effect of macroeconomics proxied by Inflation and Interest rate variables, as well as the effect of microeconomics proxied by CAR, NPF, NPL, ROA, ROE, and Long term debt on Liquidity of Commercial Banks in Indonesia. The type of data used is quantitative data collected using Purposive Sampling technique with panel data regression analysis method, classical assumption test, T test and F test. The sample in this study is 20 samples which are divided into 10 Conventional Commercial Banks and 10 Islamic Commercial Banks, using quarterly data from 2017-2022 with the acquisition of 480 data. The results of this study indicate that simultaneously all independent variables affect the dependent variable. Partially there are differences in variables that affect the Likudits of BUK, BUS and the combined sample. In BUK, the results found that no independent variable had an effect on BUK Liquidity. In BUS, the variables Inflation and NPF were found to have a positive effect on BUS Liquidity and CAR had a negative effect on BUS Liquidity. While in the combined sample it was found that there was no effect on banking liquidity.NIM.: 20108020045 Ainun Maksura2024-02-07T03:34:58Z2024-02-07T03:34:58Zhttp://digilib.uin-suka.ac.id/id/eprint/63527This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/635272024-02-07T03:34:58ZPENGARUH RASIO PERMODALAN, PEMBIAYAAN BERMASALAH DAN LIKUIDITAS TERHADAP PROFITABILITAS BANK UMUM SYARIAH TAHUN 2018-2022This study aims to determine the effect of CAR, NPF and FDR on ROA of
Islamic Commercial Banks in 2018-2022. This research uses quantitative
research. Hypothesis testing used is panel data regression using Eviews 12. The
population used is all financial reports of Islamic Commercial Banks in 2018-
2022. The sampling technique used purposive sampling method with a total
sample of 5 banks. The results of this study indicate that CAR and FDR have no
significant effect on the ROA of Islamic Commercial banks. While NPF has a
negative and significant effect on the ROA of Islamic Commercial Banks.NIM.: 20108020040 Mufiatus Zahro2024-02-07T03:07:17Z2024-02-07T03:07:17Zhttp://digilib.uin-suka.ac.id/id/eprint/63525This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/635252024-02-07T03:07:17ZPERAN GOOD CORPORATE GOVERNANCE DAN KINERJA SOSIAL TERHADAP KINERJA KEUANGAN BANK UMUM SYARIAH DI INDONESIAFinancial performance is one tool for knowing the results of a company's achievements in a certain period of Islamic banking. Good Corporate Governance (GCG) and social performance are two important factors that can influence the financial performance of Islamic banks. This research aims to analyze the influence of GCG, the Sharia Supervisory Board (SSB), and social performance on financial performance. In this research, 10 Islamic commercial banks were sampled from 2015-2022 using semester data. The data analysis technique uses panel data regression with the selected model being the Random Effect Model. The results of this research show that GCG and CSR have a negative effect on financial performance. Meanwhile, zakat has a positive effect on financial performance. Meanwhile, SSB and qard do not have a significant effect and have a positive relationship with financial performance. This research has implications for Islamic banks where Islamic banks need to implement appropriate strategies in implementing GCG and social performance so that there can be a balance and achieve optimal financial performance.NIM.: 20108020027 Rizki Dwi Safitri2024-02-05T07:29:57Z2024-02-05T07:29:57Zhttp://digilib.uin-suka.ac.id/id/eprint/63444This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/634442024-02-05T07:29:57ZANALISIS MERGER BANK SYARIAH BUMN PERSPEKTIF UNDANG-UNDANG NOMOR 5 TAHUN 1999 TENTANG LARANGAN PRAKTEK MONOPOLI DAN PERSAINGAN USAHA TIDAK SEHAT DAN HUKUM EKONOMI ISLAMPerbankan Syariah adalah salah satu industri yang saat ini berkembang di Indonesia. Sebelum adanya Bank Syariah Indonesia (BSI), industri perbankan syariah didominasi oleh 3 bank besar BUMN yakni Bank Mandiri Syariah, BNI Syariah, dan BRI Syariah. Setelah 3 bank besar tersebut merger menjadi BSI, bank tersebut mengalami peningkatan aset dan pangsa pasar yang cukup signifikan. Sehingga perlu dikaji apakah merger tersebut masih dalam batas wajar atau tidak menurut hukum positif dan Hukum Islam. Jenis penelitian ini adalah penelitian yuridis-normatif atau dapat juga disebut dengan penelitian hukum normatif. Metode tersebut dirangkum dengan mengkaji peraturan dan doktrin terkait Hukum Persaingan Usaha Indonesia. Hasil penelitian menunjukkan bahwa menurut CR4 Indeks, dampak penggabungan BSI terhadap konsentrasi pasar dalam industri perbankan syariah adalah sebesar 57,93%. Pasar tersebut tergolong sebagai pasar oligopoli longgar. Artinya pasar ini masih bisa dikatakan sebagai pasar kompetitif di tingkat menengah, akan tetapi masih perlu untuk tetap diwaspadai karena strukturnya sudah mengarah pada oligopoli ketat. Kemudian berdasarkan unsur unsur Pasal 17 Undang-Undang Nomor 5 Tahun 1999, merger BSI tidak bisa digolongkan sebagai suatu praktek yang dilarang oleh Undang-Undang Anti Monopoli, karena masih dalam ketentuan batas wajar karena penguasaan pasarnya ada di bawah 50%. Akan tetapi tetap harus diwaspadai karena pangsa pasar BSI telah mencapai 44,06%. Selain itu menurut Hukum Islam, Akad Tijarah merupakan dasar dari pembiayaan Bank Syariah yang kemudian pendapatan dari akad tersebut diakumulasi dan diikhtisarkan melalui PYD. Dalam hal merger yang dilakukan oleh 3 bank syariah BUMN menjadi Bank Syariah Indonesia, terdapat peningkatan PYD yang cukup signifikan. Sehingga berdampak pada peningkatan pangsa pasar Bank Syariah Indonesia. Namun pangsa pasar yang didasarkan pada PYD tersebut masih bisa dikatakan wajar karena di bawah 50%. Maka hal tersebut tidak mempengaruhi persaingan pada industri perbankan syariahNIM.: 21203012104 Aziza Mutifani Hidayah, S.H.2024-02-05T06:11:46Z2024-02-05T06:11:46Zhttp://digilib.uin-suka.ac.id/id/eprint/63426This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/634262024-02-05T06:11:46ZKAJIAN MAQASID SYARI‘AH TERHADAP REGULASI PERLINDUNGAN HUKUM HAK NASABAH PENYIMPAN BANK UMUM SYARIAH DI INDONESIAIndustri bank syariah ini masih dihadapkan pada tantangan, terutama terkait kurangnya regulasi perlindungan hukum hak nasabah secara langsung. Meskipun Undang-Undang Nomor 21 Tahun 2008 telah menjadi payung regulasi, pengaturan terkait perlindungan hak nasabah masih terbatas pada aspek tidak langsung dan cenderung lebih mendukung pengembangan bank syariah. Aturan turunan yang ada juga belum secara rinci mengatasi isu-isu kritis, seperti perlindungan preferen atas nasabah penyimpan dan ketidakpastian hukum terkait kerugian yang mungkin terjadi akibat masalah sistem digital. Ketidakspesifikan regulasi ini dapat menimbulkan risiko bagi bank syariah dan pemilik dana. Hal yang menjadi pokok permasalahan dalam tesis ini adalah bagaimana perlindungan hukum hak nasabah penyimpan bank umum syariah di Indonesia yang seimbang dan sejauh mana kemanfaatan hukum dan kekurangan dalam regulasi yang ada dalam melindungi hak nasabah penyimpan bank umum syariah di Indonesia. Metodologi penelitian yang digunakan dalam penelitian ini adalah metode penelitian hukum normatif. Penelitian ini menggunakan pendekatan perundangundangan (statute approach) dengan mengkaji aturan perundang-undangan yang terkait dengan perlindungan hak nasabah penyimpan bank syariah di Indonesia. Data hukum yang digunakan dalam penelitian ini diperoleh melalui studi kepustakaan dengan menggunakan teknik studi dokumen dan literatur. Analisis data dilakukan secara deskriptif dan analitik untuk mengkategorikan dan menafsirkan data yang telah dikelompokkan berdasarkan tema-tema tertentu. Penelitian ini merupakan penelitian pengembangan yang bertujuan untuk memperluas pemahaman tentang regulasi bank umum syariah yang dalam perlindungan hukum hak nasabah berdasarkan prinsip-prinsip maqāṣid syarī‘ah. Penelitian ini menemukan bahwa bahwa perlindungan hukum bagi nasabah perbankan syariah perlu diperkuat dalam beberapa aspek. Meskipun peraturan perundang-undangan yang ada memberikan jaminan keamanan dan perlindungan, namun masih terdapat kelemahan dalam hal kepastian hukum dan perlindungan hak nasabah. Oleh karena itu, diperlukan langkah-langkah untuk memperkuat perlindungan data pribadi nasabah, tanggung jawab terhadap kerugian akibat kerusakan sistem teknologi perbankan, pengawasan terhadap kesyariahan produk, dan perlindungan terhadap risiko keamanan dana nasabah. Dengan memperkuat perlindungan hukum ini, diharapkan nasabah perbankan syariah dapat merasa lebih aman dan terlindungi dalam melakukan transaksi perbankan.NIM.: 21203012091 Muhammad Lazuardi Annas, S.H.2024-01-23T02:29:02Z2024-01-23T02:29:02Zhttp://digilib.uin-suka.ac.id/id/eprint/63121This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/631212024-01-23T02:29:02ZPENGARUH PERSAINGAN PASAR PRODUK, LEVERAGE DAN KUALITAS TATA KELOLA PEMERINTAH TERHADAP STABILITAS BANK SYARIAH DI ASEAN DENGAN KEBEBASAN EKONOMI SEBAGAI VARIABEL MODERASITujuan penelitian ini adalah untuk menganalisis pengaruh persaingan pasar produk, leverage dan kualitas tata kelola pemerintah terhadap stabilitas bank syariah di ASEAN dengan kebebasan ekonomi sebagai variabel moderasi pada tahun 2014-2022. Pada penelitian ini menggunakan metode penelitian kuantitatif deskriptif dengan mengambil 11 bank syariah dari 3 negara dari ASEAN, yaitu Indonesia, Malaysia dan Brunei Darussalam sebagai negara penyumbang asset syariah terbesar dengan waktu penelitian 2014-2022. Penelitian ini menggunakan pendekatan MRA (Moderated Regression Analysis) dengan bantuan aplikasi EViews 10. Berdasarkan hasil pengujian regresi, ditemukan bahwa persaingan pasar produk dan return on asset berpengaruh positif terhadap stabilitas bank syariah di ASEAN, sementara leverage dan kualitas tata kelola pemerintah tidak berpengaruh terhadap stabilitas bank syariah di ASEAN. Lebih lanjut, kebebasan ekonomi dapat memoderasi pengaruh persaingan pasar produk dan kualitas tata kelola pemerintah, namun tidak mampu memoderasi pengaruh leverage terhadap stabilitas bank syariah di ASEAN.NIM.: 21208012047 Duwi Ira Setianti2024-01-19T03:17:52Z2024-01-19T03:17:52Zhttp://digilib.uin-suka.ac.id/id/eprint/63084This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/630842024-01-19T03:17:52ZPENGARUH FINANCIAL RATIO, CORPORATE GOVERNANCE DAN CORPORATE SUSTAINABILITY TERHADAP RISIKO KEBANGKRUTAN BANK UMUM SYARIAH INDONESIA PERIODE 2016-2022Untuk membantu dunia usaha dalam mengenali, mengendalikan, dan mengurangi risiko kesulitan keuangan, diperlukan strategi yang komprehensif. Pelaporan mengenai operasi bisnis dan keadaan organisasi dari semua sudut pandang sangatlah penting karena banyak bisnis gagal karena mereka lalai menjaga sejumlah komponen penting. Untuk mengurangi kemungkinan kebangkrutan atau masalah keuangan lainnya, penting untuk mempertimbangkan faktor-faktor non-keuangan selain faktor keuangan. Menemukan dan menganalisis hubungan antara rasio keuangan, keberlanjutan perusahaan, dan tata kelola perusahaan dengan kesulitan keuangan pada Bank Umum Syariah di Indonesia menjadi tujuan penelitian ini. Regresi data panel merupakan metode analisis yang digunakan dalam penelitian ini. Laporan keuangan dan keberlanjutan tahunan dari masing-masing lembaga menyediakan data bagi penelitian ini. Sampel akhir penelitian ini berjumlah 84 observasi dari 12 Bank Umum Syariah selama periode 7 tahun (2016–2022). Temuan penelitian ini menunjukkan bahwa financial ratio yang diproksikan oleh rasio Return On Aset memiliki pengaruh negatif serta signifikan terhadap Resiko kebangkrutan, Current Ratio dan Debt to Equity Ratio tidak berpengaruh terhadap Resiko kebangkrutan, rasio Non Performing Financing memiliki pengaruh secara negatif dan signifikan terhadap Resiko kebangkrutan dan Current Aset Ratio memiliki pengaruh secara positif dan signifikan terhadap Resiko kebangkrutan. Corporate governance yang diproksikan oleh Board Size dan Shariah Supervisory Board Size tidak memiliki pengaruh terhadap Resiko kebangkrutan. Terakhir, Corporate Sustainability memiliki pengaruh negatif serta signifikan terhadap Resiko kebangkrutan.NIM.: 21208012025 Mindo Mursalina Jen2024-01-19T02:17:54Z2024-01-19T02:17:54Zhttp://digilib.uin-suka.ac.id/id/eprint/63061This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/630612024-01-19T02:17:54ZDETERMINAN KINERJA BANK UMUM SYARIAH DI INDONESIA DENGAN PENDEKATAN MAQASHID SYARIAH INDEKSPenelitian ini menggunakan metodologi kuantitatif untuk menyelidiki dampak Islamic corporate governance, intellectual capital, dan profit sharing ratio terhadap kinerja indeks maqashid syariah di sektor perbankan syariah. Penelitian ini berfokus pada sembilan bank umum syariah Indonesia dari tahun 2016 hingga 2022, yang dipilih secara purposif. Analisis ini menggunakan model regresi data panel efek acak yang diimplementasikan melalui perangkat lunak Eviews 12. Hasil penelitian menunjukkan bahwa kinerja operasional bank umum syariah tidak dipengaruhi secara signifikan oleh kepatuhan terhadap standar tata kelola perusahaan syariah dalam kerangka kerja indeks maqashid. Selain itu, dengan menggunakan pendekatan indeks maqashid syariah memiliki dampak negatif yang signifikan terhadap kinerja modal intelektual bank umum syariah. Namun, ketika rasio bagi hasil diperhitungkan, penerapan indeks syariah maqashid mengarah pada peningkatan kinerja yang signifikan. Temuan penelitian ini memberikan wawasan mengenai bagaimana aspek-aspek seperti tata kelola perusahaan syariah, modal intelektual, dan manajemen nisbah bagi hasil berdampak pada kinerja bank umum syariah dalam kerangka indeks maqashid syariah.NIM.: 21208012010 Annisa2024-01-17T05:23:49Z2024-01-17T05:23:49Zhttp://digilib.uin-suka.ac.id/id/eprint/62989This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/629892024-01-17T05:23:49ZPENGARUH KUALITAS PELAYANAN, BRAND IMAGE, IKLAN, DAN KEPUASAN TERHADAP LOYALITAS NASABAH DI BANK SYARIAH INDONESIA (Studi Kasus Nasabah Generasi Z di Yogyakarta)Penelitian ini dilakukan memiliki tujuan untuk mengetahui Pengaruh Kualitas Pelayanan, Brand Image, Iklan, dan Kepuasan terhadap Loyalitas Nasabah. Dengan studi kasus nasabah Generasi Z di Yogyakarta dengan jumlah responden sebanyak 105 orang. Metode yang digunakan adalah pendekatan kuantitatif dengan metode Purposive Sampling. Alat analisis yang digunakan adalah perangkat lunak IBM SPSS Statistic 26. Hasil dari penelitian ini menunjukan bahwa variabel kualitas pelayanan berpengaru signifikan terhadap loyalitas nasabah tetapi mendapatkan nilai hasi negative. Kemudian, variabel brand image, iklan, dan kepuasan masing-masing memiliki pengaruh yang positif signifikan terhadap loyalitas nasabah Bank Syariah Indonesia pada generasi Z di YogykartaNIM.: 19108020096 Irma Yuliansha2023-12-12T01:30:04Z2023-12-12T01:30:04Zhttp://digilib.uin-suka.ac.id/id/eprint/62571This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/625712023-12-12T01:30:04ZPENGARUH GOOD CORPORATE GOVERNANCE DAN CORPORATE SOCIAL RESPONSIBILITY TERHADAP KINERJA KEUANGAN PADA BANK UMUM SYARIAH INDONESIA (Studi di Perusahaan Bank Umum Syariah yang Terdaftar di OJK tahun 2017-2022)Financial performance is a factor that shows the effectiveness and efficiency of an organization in order to achieve its goals. However, most of the financial performance of Islamic banks in Indonesia has fluctuated from year to year. Factors that affect financial performance consist of financial and non-financial factors. One of the non-financial factors that affect financial performance is Good Corporate Governance. Good Corporate Governance is very important because it can create a transparent and accountable economic and financial concept based on a valid and reliable accounting system. After the existence of Good Corporate Governance attention is focused on social responsibility information or also Corporate Social Responsibility (CSR) which is disclosed in the company's annual report. For the environmental impact of company operations, Corporate Social Responsibility (CSR) is a form of corporate responsibility.This paperaims to analyze the effect of Good Corporate Governance (GCG) as proxied by the Boardof Directors, Audit Committee, Board of Commissioners, DPS and Corporate Social Responsibility (CSR) on Financial Performance as proxied by ROE at Islamic Commercial Banks in Indonesia in 2017-2022 registered with OJK. The technique used in collecting samples is purposive sampling, namely the collection method using specific criteria from researchers, sothat 14 BUS sregistered in Indonesia are obtained. The data is processed with Multiple Linear Regression using sample data obtained from he company's financial statement sand annual reports. The results of statistical tests show that the variables of the Board of Directors, audit committee, and CSR have no effect on Financial Performance. Board of commissioners and DPS variables affect financial performance.NIM.: 16840051 Rijal Luthfi Nugroho2023-12-04T06:29:07Z2023-12-04T06:29:07Zhttp://digilib.uin-suka.ac.id/id/eprint/62460This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/624602023-12-04T06:29:07ZDETERMINAN GENERASI MILLENIAL TERHADAP MINAT MENGGUNAKAN BSI MOBILE DENGAN GAYA HIDUP SEBAGAI VARIABEL MODERASIPenelitian ini bertujuan untuk menguji pengaruh variabel kegunaan, kemudahan dan citra perusahaan terhadap generasi millennial dalam menggunakan BSI Mobile yang berfokus di Provinsi Jawa Tengah dan Daerah Istimewa Yogyakarta. Model yang digunakan adalah TAM dengan penambahan gaya hidup sebagai variabel moderasi. Responden dalam penelitian ini berjumlah 220 pengguna BSI Mobile yang dimana termasuk dalam kategori generasi millennial dan tersebar di Provinsi Jawa Tengah dan Daerah Istimewa Yogyakarta. Pendekatan yang digunakan adalah deskriptif kuantitatif dengan menggunakan SEM (structural equation model) sebagai model analisis, dengan menggunakan perangkat lunak SmartPLS 3.0. Kemudahan, kegunaan, citra perusahaan dan gaya hidup sebagai variabel moderasi kegunaan memiliki pengaruh terhadap generasi millennial dalam menggunakan BSI Mobile. Namun, gaya hidup sebagai moderasi kemudahaan dan gaya hidup sebagai variabel moderasi citra perusahaan tidak berpengaruh terhadap generasi millennial dalam menggunakan BSI Mobile. Hasil temuan ini diharapkan memberikan kontribusi pada pemahaman tentang keputusan dalam menggunakan BSI Mobile yang ada di Indonesia, terutama dalam konteks layanan Mobile Banking dari perspektif akademis.NIM.: 21208011049 Nu’man Afif2023-12-04T06:25:14Z2023-12-04T06:25:14Zhttp://digilib.uin-suka.ac.id/id/eprint/62459This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/624592023-12-04T06:25:14ZPENGARUH ISLAMICITY PERFORMANCE INDEX DAN DEWAN PENGAWAS SYARIAH TERHADAP KESEHATAN FINANSIAL BANK UMUM SYARIAH INDONESIA DENGAN INTELLECTUAL CAPITAL SEBAGAI VARIABEL MODERASIPenelitian ini bertujuan untuk menguji hipotesis variabel Islamicity performance index dan variabel Dewan pengawas syariah sebagai variabel independen terhadap Kesehatan finansial sebagai variabel dependen dengan memasukan Intellectual sebagai variabel moderasi. Metode analisis data menggunakan analisis deskriptif dan analisa data yang digunakan yaitu teknik regresi data panel dan Moderated Regression Analysis (MRA) dengan aplikasi Eviews 9. Hasil penelitian menunjukkan bahwa variabel profit sharing ratio dan zakat performance ratio mempunyai pengaruh positif dan signifikan terhadap kesehatan finansial bank umum syariah, sedangkan variabel islamic income ratio dan dewan pengawas syariah tidak mempunyai pengaruh terhadap kesehatan finansial bank umum syariah. Kemudian, dari hasil uji variabel moderasi intellectual capital menunjukkan hasil bahwa peran intellectual capital memperkuat pengaruh antara profit sharing ratio dan zakat performance ratio terhadap kesehatan finansial namun intellectual capital memperlemah moderasi islamic income ratio dan dewan pengawas syariah terhadap kesehatan finansial Bank Umum Syariah.NIM: 21208011031 M. Maulana2023-11-24T09:05:24Z2023-11-24T09:05:24Zhttp://digilib.uin-suka.ac.id/id/eprint/62382This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/623822023-11-24T09:05:24ZPENGARUH BAURAN PEMASARAN, KUALITAS LAYANAN DAN TPB TERHADAP KEPUTUSAN KONSUMEN MENGGUNAKAN MOBILE BANKING BANK SYARIAH DENGAN GAYA HIDUP SEBAGAI VARIABEL MODERASIPenelitian ini bertujuan untuk menguji pengaruh variabel bauran pemasaran, kualitas layanan, norma subjektif, sikap dan kontrol perilaku terhadap keputusan menggunakan mobile banking bank syariah di Pulau Jawa. Model yang digunakan adalah bauran pemasaran 7P, indikator servqual dan TPB dengan penambahan gaya hidup sebagai variabel moderasi. Responden dalam penelitian ini berjumlah 230 pengguna mobile banking bank syariah di Indonesia yang tersebar di Pulau Jawa. Pendekatan yang digunakan adalah deskriptif kuantitatif dengan menggunakan SEM (structural equation model) sebagai model analisis, dengan menggunakan perangkat lunak SmartPLS 3.0. Bauran Pemasaran, norma subjektif, kontrol perilaku dan gaya hidup sebagai variabel moderasi norma subjektif memiliki pengaruh terhadap keputusan menggunakan mobile banking bank syariah. Namun, kualitas layanan, sikap dan gaya hidup sebagai moderasi bauran pemasaran, kualitas layanan, sikap dan kontrol perilaku tidak berpengaruh terhadap keputusan menggunakan mobile banking bank syariah. Hasil temuan ini diharapkan memberikan kontribusi pada pemahaman tentang keputusan nasabah menggunakan mobile banking bank syariah yang ada di Indonesia, terutama dalam konteks layanan mobile banking dari perspektif akademis.NIM.: 21208011038 Lale Kirana Ika Pandini2023-11-24T09:03:20Z2023-11-24T09:03:20Zhttp://digilib.uin-suka.ac.id/id/eprint/62381This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/623812023-11-24T09:03:20ZPENGARUH KUALITAS PELAYANAN DAN KUALITAS WEBSITE TERHADAP KEPUASAN NASABAH BANK SYARIAH DI INDONESIAKetidakpuasan yang terus dialami nasabah terhadap layanan yang ditawarkan oleh bank syariah di Indonesia merupakan hal yang melatarbelakangi penelitian ini. Sebagian dari ketidakpuasan tersebut berasal dari situs web dan layanan yang diberikan bank syariah, yang terus berada di bawah ekspektasi. Penelitian ini bermaksud untuk menguji pengaruh kualitas pelayanan dan kualitas website terhadap kepuasan nasabah bank syariah di Indonesia. Penelitian ini menggunakan pendekatan kuantitatif dengan menggunakan data primer. Data dikumpulkan melalui kuesioner yang dikirimkan kepada masyarakat muslim di Indonesia yang memiliki rekening bank syariah, dengan jumlah sampel sebanyak 295 orang. Regresi Linier Berganda digunakan untuk menganalisis data dalam penelitian ini dengan menggunakan alat bantu SPSS 25. Temuan penelitian ini menunjukkan variabel jaminan, keandalan, kualitas kegunaan website dan kualitas interaksi website berpengaruh terhadap kepuasan nasabah bank syariah di Indonesia. Sedangkan variabel kepatuhan, bukti fisik, empati, daya tanggap, dan kualitas informasi website tidak berpengaruh terhadap kepuasan nasabah bank syariah di Indonesia.NIM.: 21208011037 Mayogi Araffi2023-11-24T09:01:58Z2023-11-24T09:01:58Zhttp://digilib.uin-suka.ac.id/id/eprint/62380This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/623802023-11-24T09:01:58ZPENGARUH PERMODALAN, CREDIT RISK, BIAYA OPERASIONAL TERHADAP PROFITABILITAS DENGAN LIKUIDITAS SEBAGAI VARIABEL INTERVENING PADA BANK UMUM SYARIAHTesis ini bertujuan untuk mengetahui dan menganalisis pengaruh yang berjudul “Pengaruh Modal, Risiko Kredit dan Biaya Operasional Terhadap Profitabilitas Dengan Likuiditas Sebagai Variabel Antara Bank Umum Syariah Di Indonesia”. Penelitian ini menggunakan metode kuantitatif melalui data sekunder yang bersumber dari Bank Indonesia, Badan Pusat Statistik dan Otoritas Jasa Keuangan. Jenis penelitian ini menggunakan asosiatif dengan sampel yang digunakan adalah dua belas bank dalam tujuh tahun, data yang digunakan adalah 84 data. Analisis data yang digunakan menggunakan perhitungan analisis jalur dengan bantuan program statistik Eviews 9. Berdasarkan hasil penelitian diketahui bahwa modal berpengaruh signifikan terhadap profitabilitas, risiko kredit berpengaruh signifikan terhadap profitabilitas, biaya operasional berpengaruh signifikan profitabilitas berpengaruh signifikan, modal berpengaruh signifikan terhadap profitabilitas termediasi likuiditas, risiko kredit berpengaruh signifikan terhadap profitabilitas termediasi likuiditas, biaya operasional berpengaruh signifikan terhadap profitabilitas termediasi likuiditas.NIM.: 21208011030 Muhammad Al-Fatih Rizqi Akbar2023-11-24T08:59:54Z2023-11-24T08:59:54Zhttp://digilib.uin-suka.ac.id/id/eprint/62378This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/623782023-11-24T08:59:54ZPENGARUH TATA KELOLA ISLAMI DAN KEPATUHAN SYARIAH TERHADAP KECURANGAN PADA BANK UMUM SYARIAH DENGAN PENGENDALIAN INTERNAL SEBAGAI VARIABEL MODERASIPenelitian ini ditujukan guna menguji pengaruh tata kelola islami dan kepatuhan syariah terhadap kecurangan pada bank umum syariah dengan pengendalian internal sebagai variabel moderasi. Bank Umum Syariah periode 2017-2021 menjadi populasi penelitian ini. Memakai software Eviews 12 analisis regresi berganda dan uji analisis regresi moderasi digunakan untuk menganalisis data. Hasil penelitian menunjukkan bahwa tata kelola islami dan zakat performance ratio berpengaruh positif signifikan dan profit sharing ratio berpengaruh negatif terhadap kecurangan. Lainnya yaitu islamic income ratio dan islamic investment ratio tidak berpengaruh terhadap kecurangan. Pengendalian internal mampu memperkuat pengaruh tata kelola islami dan zakat performance ratio terhadap kecurangan.NIM.: 21208011025 Nadia Nala Izza2023-11-24T08:57:16Z2023-11-24T08:57:16Zhttp://digilib.uin-suka.ac.id/id/eprint/62377This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/623772023-11-24T08:57:16ZFAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MENGGUNAKAN INTERNET BANKING BSI DENGAN PENDEKATAN TECHNOLOGY ACCEPTANCE MODEL (TAM)Minat masyarakat Indonesia khususnya di Pulau Jawa dalam menggunakan layanan internet banking semakin rendah dibandingkan dengan pesatnya perkembangan dari penggunaan internet secara umum. Oleh karena itu, mengidentifikasi faktor-faktor yang mempengaruhi minat menggunakan internet banking BSI sangat penting untuk penggunaannya dengan pendekatan technology acceptance model (TAM), diperluas dengan menambahkan variabel persepsi risiko, perlindungan privasi, dan kepercayaan. Penelitian ini menggunakan pendekatan kuantitatif kausal untuk menentukan hubungan sebab-akibat antara variabel X dan Y, dengan menggunakan data primer. Data primer diperoleh langsung dari sumber pertama yaitu nasabah Bank Syariah Indonesia melalui penyebaran kuesioner serta jumlah responden dalam penelitian ini sebanyak 230. Data yang terkumpul dianalisis menggunakan metode Partial Least Square-Structural Equation Model (PLS-SEM) dengan dukungan dari perangkat lunak SmartPLS versi 3.0. Hasil ini mengonfirmasi model penerimaan TAM2 (persepsi kemudahan dan persepsi manfaat) berpengaruh terhadap minat menggunakan internet banking. Sedangkan, variabel persepsi risiko, perlindungan privasi, dan kepercayaan tidak berpengaruh minat menggunakan internet banking.NIM.: 21208011016 Khairani Rizka Zulas2023-11-24T02:58:39Z2023-11-24T02:58:39Zhttp://digilib.uin-suka.ac.id/id/eprint/62375This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/623752023-11-24T02:58:39ZDETERMINAN NIAT PENGGUNAAN BERKELANJUTAN GENERASI MILENIAL PADA LAYANAN MOBILE BANKING PT. BANK SYARIAH INDONESIATeknologi digital terus menerus mengalami pertumbuhan yang sangat signifikan dalam berbagai sektor, sehingga mendorong pergeseran layanan perbankan yang awalnya berbasis tradisional menjadi layanan berbasis digital. Mobile banking menjadi salah satu layanan perbankan digital yang memberikan kemudahan kepada masyarakat dalam bertransaksi melalui smartphone. Hal ini menyebabkan jumlah pengguna layanan mobile banking terus mengalami peningkatan. Penelitian ini bertujuan untuk mengkaji faktor-faktor yang mempengaruhi niat penggunaan berkelanjutan pada layanan mobile banking Bank Syariah Indonesia. Penelitian ini menggunakan konsep Expectation Confirmation Model yang diperluas. Temuan penelitian ini menunjukkan bahwa semua variabel dalam penelitian ini secara langsung menunjukkan pengaruh yang signifikan kecuali variabel persepsi kemudahan dan kepercayaan terhadap niat penggunaan berkelanjutan. Variabel kepuasan ditemukan sebagai variabel yang dapat memediasi hubungan variabel persepsi kegunaan dan kepercayaan terhadap niat penggunaan berkelanjutan, tetapi kepuasan ditemukan tidak signifikan sebagai variabel mediasi pada persepsi kemudahan dan konfirmasi terhadap niat penggunaan berkelanjutan.NIM.: 20208011012 Ummi Kulsum2023-11-21T04:56:14Z2023-11-21T04:56:14Zhttp://digilib.uin-suka.ac.id/id/eprint/62297This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/622972023-11-21T04:56:14ZPENGARUH GREEN FINANCING PADA SEKTOR AGRIKULTUR DAN GOOD CORPORATE GOVERNANCE (GCG) TERHADAP PROFITABILITAS BANK UMUM SYARIAH DAN UNIT USAHA SYARIAH TAHUN 2016 – 2022Penelitian ini bertujuan untuk menganalisis pengaruh Green Financing pada sektor agrikultur dan Good Corporate Governance (GCG) terhadap profitabilitas Bank Umum Syariah (BUS) dan Unit Usaha Syariah (UUS) tahun 2016 – 2022. Pemilihan sampel dalam penelitian ini menggunakan metode purposive sampling yang menghasilkan sampel sejumlah 14 perbankan yaitu 7 BUS dan 7 UUS. Pengumpulan data dilakukan melalui data sekunder yaitu laporan tahunan dan laporan keberlanjutan dari sampel yang terpilih. Metode analisis yang digunakan dalam penelitian ini adalah analisis regresi data panel yang diuji menggunakan software STATA 14 dengan model yang terpilih yakni Random Effect Model (REM). Hasil penelitian menunjukkan bahwa Green Financing pada sektor agrikultur dan Good Corporate Governance (GCG) memiliki pengaruh positif signifikan terhadap profitabilitas BUS dan UUS.NIM.: 19108030074 Raden Rara Bunga Pertiwi2023-11-21T01:55:45Z2023-11-21T01:55:45Zhttp://digilib.uin-suka.ac.id/id/eprint/62294This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/622942023-11-21T01:55:45ZANALISIS PENGARUH KARAKTERISTIK DEWAN PENGAWAS SYARIAH, UMUR BANK, DAN UKURAN BANK TERHADAP KINERJA KEUANGAN BANK UMUM SYARIAH DI KAWASAN ASIA TENGGARA PERIODE 2018-2021Penelitian ini bertujuan untuk menganalisis bagaimana pengaruh karakteristik Dewan Pengawas Syariah (DPS) yang diukur dengan ukuran DPS, kualifikasi pendidikan DPS, cross-membership DPS, frekuensi rapat DPS, umur bank, dan ukuran bank terhadap kinerja keuangan Bank Umum Syariah. Metode yang digunakan adalah regresi data panel dengan model terbaik random effect model menggunakan software Eviews 12. Data yang digunakan adalah data sekunder yang berasal dari website masing-masing Bank Umum Syariah. Sampel yang digunakan dalam penelitian ini sebanyak 26 Bank Umum Syariah di Kawasan Asia Tenggara yaitu Indonesia, Malaysia, dan Brunei Darussalam tahun 2018-2021 dan jumlah data yang diolah sebanyak 104 data. Hasil penelitian menunjukkan kualifikasi pendidikan DPS, frekuensi rapat DPS, dan ukuran bank berpengaruh negatif signifikan terhadap ROA, umur bank berpengaruh positif signifikan terhadap ROA. Sedangkan ukuran DPS dan cross-membership DPS tidak berpengaruh terhadap ROA.NIM.: 18108040047 Suci Ambarsari2023-11-08T07:37:58Z2023-11-08T07:37:58Zhttp://digilib.uin-suka.ac.id/id/eprint/62133This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/621332023-11-08T07:37:58ZPengaruh Inflasi dan GDP terhadap Tingkat Kesehatan Bank Syariah dengan Size sebagai PembedaPenelitian bertujuan untuk mengetahui dampak Inflasi dan Gross Domestik Product (GDP) terhadap tingkat kesehatan Bank Syariah di Indonesia tahun 2014-2020 dengan Size sebagai pembeda. Populasi dalam penelitian ini adalah perusahaan perbankan tahun 2014-2020 yang terdaftar di Otoritas Jasa Keuangan (OJK), dengan menggunakan teknik purposive sampling terdapat 14 bank yang menjadi sample penelitian. Metode analisis yang digunakan adalah metode analisi data panel dengan menggunakan Eviews 12. Tingkat kesehatan Bank Syariah dihitung mengunakan metode RGEC yang diukur mengunakan variable Non Performing Financing (NPF), Financing to Deposit Rasio (FDR, Return on Assets (ROA) dan Capital Adequacy Rasio (CAR). Hasil penelitian ini menunjukkan bahwa Inflasi dan GDP tidak berpengaruh signifikan terhadap NPF, FDR dan ROA, sedangkan Inflasi dan GDP berpengaruh signifikan terhadap CAR Size Kecil.- Nisa Aulia Rohmah- Darmawan2023-11-08T06:54:59Z2023-11-08T06:54:59Zhttp://digilib.uin-suka.ac.id/id/eprint/62131This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/621312023-11-08T06:54:59ZDETERMINAN NASABAH MEMUTUSKAN MENGGUNAKAN ALADIN BANK DIGITAL SYARIAHThis research aims to identify customer determinants that influence their decisions in choosing to use Aladin Digital Syariah Bank. Data were collected through a survey using questionnaires distributed to 450 customers of Aladin Digital Syariah Bank. The method used was quantitative with cross-section data. The factors examined include Performance Expectancy, Effort Expectancy, Social Influence, Hedonic Motivation, Habit, Price Value, Personal Innovative, Facilitating Condition, Advertising, Sales Promotion, Personal Selling, Public Relations and Direct Marketing with Age and Profession as moderating variables. Sampling Technique of this research is purposive sampling, with using SEM by Smart PLS 4 Versions. The results of the analysis show that Effort Expectancy, Social Influence, Hedonic Motivation, Habit, Personal Selling, Sales Promotion, Direct Marketing, and Public Relations have a significant positive effect on customer decisions. Meanwhile, Performance Expectancy, Facilitating Condition, Price Value, Personal Innovative, and Advertising do not have a significant positive effect on customer decisions. Age only moderates the relationship between Effort Expectancy, Performance Expectancy, Social Influence, Facilitating Condition, Habit, Price Value, Personal Innovation, Advertising, Sales Promotion, Public Relationss, and Direct Selling on customer decisions, while Profession does not moderate the relationship between each variable and customer decisions at all. This research provides valuable insights for Aladin Bank to improve their marketing strategies and services to customers. By understanding the factors that influence customer decisions, Aladin Bank can optimize services and attract more customers to use Aladin Digital Syariah Bank.NIM.: 21208011046 Lutfi Listiani2023-11-06T02:23:03Z2023-11-06T02:23:03Zhttp://digilib.uin-suka.ac.id/id/eprint/62083This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/620832023-11-06T02:23:03ZPENGARUH GOOD CORPORATE GOVERNANCE, INTELLECTUAL CAPITAL, DAN LEVERAGE TERHADAP KINERJA KEUANGAN PERBANKAN SYARIAH DI INDONESIA TAHUN 2015-2020Penelitian ini bertujuan untuk menganalisis pengaruh Good Corporate Governance, Intellectual Capital, dan Leverage terhadap Kinerja Keuangan Perbankan Syariah di Indonesia tahun 2015-2020. Variabel bebas dalam penelitian ini adalah Dewan Direksi, Dewan Komisaris, Dewan Pengawas Syariah, Komite Audit, Intellectual Capital, dan Leverage sedangkan variabel dependennya adalah Kinerja Keuangan (ROA). Teknik yang digunakan dalam pengumpulan sampel ialah purposive sampling yaitu metode pengumpulan data menggunakan kriteria khusus dari peneliti sehingga diperoleh sembilan Bank Umum Syariah. Teknik analisis data menggunakan software Eviews 9 dengan model regresi data panel. Hasil dari penelitian ini menunjukkan bahwa variabel Dewan Direksi, Dewan Komisaris, Dewan Pengawas Syariah, Komite Audit, dan Leverage tidak berpengaruh terhadap ROA. Sedangkan variabel Intellectual Capital berpengaruh positif signifikan terhadap ROA.NIM.: 17108030052 Sheilla Gupita Sari2023-10-12T06:59:37Z2023-10-12T06:59:37Zhttp://digilib.uin-suka.ac.id/id/eprint/61152This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/611522023-10-12T06:59:37ZTINJAUAN HUKUM ISLAM TERHADAP UPAYA PENYELESAIAN PENYELESAIAN WANPRESTASI KARTU KREDIT PT. BANK BUKOPIN, TBK CABANG YOGYAKARTABank merupakan suatu lembaga keuangan yang berfungsi sebagai perantara keuangan dari dua belah pihak yang berlebihan dana dan pihak yang kekurangan dana. PT bank Bukopin merupakan salah satu bank yang melakukan usaha jasa pembiayaan yaitu kartu kredit. Dalam kenyataan praktek di lapangan, debitur seringkali terlambat dalam melaksanakan pembayaran seperti apa yang telah dijanjikan sehingga menimbulkan kerugian bagi pihak kreditur atau pihak bank. Hal ini secara yuridis dapay dikelompokkan sebagai perbuatan wanprestasi. Penelitian ini dilakukan untuk menjelaskan mengenai prosedur penyelesaian wanprestasi kartu kredit PT. Bank Bukopin, Tbk. Cabang Yogyakarta dan menjelaskan tinjauan hukum islam terhadap upaya penyelesaian wanprestasi kartu kredit PT Bank Bukopin Tbk Cabang Yogyakarta.
Jenis penelitian yang digunakan oleh peneliti adalah penelitian lapangan atau research field dan bersifat deksipriptif analitik. Pengumpulan dilakuakn dengan dua teknik yaitu wawancara dan dokumentasi. Penelitian ini dilakukan dengan menggunakan pendekatan normatif dan dianalisis menggunakan analisis data kualitatif.
Berdasarkan hasil pembahasan maka dapat ditemukan hasil bahwa prosedue penyelesaian wanprestasi kartu kredit yang dilakukan oleh pihak PT Bank Bukopin Tbk Yogyakarta adalah tetap berpegang teguh pada perjanjian penerbitan kartu kredit pada waktu yang ditentukan. Jika tidak terlaksana dengan baik, maka pihak bank akan bekerjasama dengan perusahaan agency yang memaksa cardholder untuk membayar tagihan kartu kredit. Dalam penyelesaian wanprestasi kartu kredit tidak sesuai dengan hukum islam. Penagihan yang dilakukan oleh debt collector yang selalu memaksa untuk membayar meski belum mampu sangat bertentangan dengan hukum islam. Terlebih lagi dengan dikenakannya bunga keterlambatan, Islam sangat melarang bahkan mengahramkannya. Sebab dengan bunga ini, seorang yang terkena musibah tidak merasa ringan malah terbebani dengan biaya yang lebih.NIM.: 03380396 Novita Setianingsih2023-10-10T07:11:25Z2023-10-10T07:11:25Zhttp://digilib.uin-suka.ac.id/id/eprint/61038This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/610382023-10-10T07:11:25ZTINJAUAN HUKUM ISLAM TERHADAP PENGGUNAAN PRODUK SHAR-E SEBAGAI ALAT TRANSAKSl (Studi Pada bank Muamalat Indonesia Cabang Yogyakarta)Pertumbuhan perbankan syariah di Indonesia yang semakin pesat, juga mendorong untuk selalu melakukan perbaikan dan penyempurnaan dalam tiap produk-produknya. Berbagai inovasi ditawarkan oleh perbankan syari'ah guna memberikan kenyamanan dan efisiensi bagi nasabahnya baik dalam kegiatan penyaluran dana maupun penghimpunan dana sehingga nasabah merasa senang dan nyaman dalam menggunakanjasa pada perbankan syar'iah.
Salah satunya adalah inovasi yang diterapkan oleh BMI dalam produk Shar-e, yang merupakan kartu sarana investasi dengan berbagai fungsi d£Ln kemudahan didalamnya. Dalam kegiatan transaksi, khususnya mengenai jasa layanan atau fasilitas yang ada pada Shar-e., BMI bekerjasama dengan bank lain dalam hal pemanfaatan mesin ATM dan Debit yang atas pemanfaatannya nasabah dikenai (fee) sesuai dengan ketentuan yang telah ditetapkan. Kerjasama tersebut dilakukan karena ATM milik BMl yang disebut sebagai A TM Muamalat sendiri keberadaannya terbatas, dan tidak semua wilayah di Indonesia terdapat ATM Muamalat, khususnya di wilayah DIY (Daerah Istimewa Yogyakarta).
Dalam skripsi .ini menguraikan tentang pelaksanaan akad dalam pembukaan tabungan Shar-e, serta bentuk akad yang ada dalam pemakaian Shar-e khususnya dalam hal fungsinya sebagai jasa layanan dan mengenai fungsi jasa beserta akad yang tidak tertulis dalam formulir aplikasi ditinjau dari hukum Islam, serta mengenai penyelesian sengketa yang ditcrapkan BMT kepada nasabah Shar-e.
Jenis penelitian ini adalah field research atau penelitian lapangan, dengan teknik pengumpulan data berupa wawancara dan dokumentasi. Adapun pendekatan yang penyusun gunakan adalah normatif, sehingga dengan pendekatan tersebut diharapkan penyusun memperoleh hasil penelitian yang sesuai dengan tinjauan hukum Islam.
Berdasarkan metode yang digunakan, maka dapat diketahui bahwa pelaksanaan akad (pembukaan rekening) Shar-e sudah sesuai dengan prosedur atau ketentuan dalam hukum Islam, kemudian akad yang ada pada Shar-e khususnya pada fungsi jasa layanan didasarkan pada prinsip 'ujr dengan sistem pembayaran fee menggunakan akad wakalah. Adapun fungsi jasa yang tidak tertera dalam formulir aplikasi tidak menyalahi peraturan dalam hukum Islam, karena poduk Shar-e ini perjanjiannya tunduk pada peraturan sebuah perjanjian baku, termasuk klausula-klausula didalamnya yang sudah diuraikan dan dianalisis. Kemudian untuk perjanjian baku dalam Shar-e sendiri tidak dilarang karena lebih banyak menimbulkan manfaat ketimbang madaratnya. Adapun untuk penyelesaian sengketa yang diterapkan BMI kepada nasabah Shar-e sudah sesuai dengan kaidah dalam hukum Islam karena BMi sebagai wakil dari nasabah bersedia menyelesaikan. sengketa yang berhubungan dengan transaksi melalui fasilitas yang ada dalam Shar-e dengan baik.NIM.: 03380366 Indah Maghribi R.D.2023-10-05T08:28:30Z2023-10-05T08:28:30Zhttp://digilib.uin-suka.ac.id/id/eprint/60657This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/606572023-10-05T08:28:30ZANALISIS PENGARUH FAKTOR INTERNAL PERUSAHAAN TERHADAP AUDIT DELAY PADA BANK UMUM SYARIAHFinancial statements are a medium to identify the performance of the company, which is used as a guideline for decision making both internal and external parties. Delay in the publication of a financial statement due to the phenomenon of audit delay will create negative signals for many parties. This research is used to analyze the influence of profitability, solvency, company size, operation complexity and audit committee on audit delay. This research uses sharia general banking objects in indonesia listed on the OJK in 2017-2022 with samples obtained totaling 11 companies. The data analysis technique uses panel data regression with the statistical tool Eviews 12. The results of this research showed that the solvency variable has a significant negative effect and the operation complexity variable has a significant positive effect on audit delay. However, for the variable profitability, company size and audit committee partially or individually have no influence. Other results show that all independent variables have a simultaneous or joint effect on audit delay.NIM.: 19108040032 Nayla Aina Salsabila2023-10-04T01:24:34Z2023-10-04T01:24:34Zhttp://digilib.uin-suka.ac.id/id/eprint/60586This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/605862023-10-04T01:24:34ZANALISIS PERBANDINGAN E-SERVICE QUALITY DAN E SATISFACTION PENGGUNA M-BANKING SYARIAH DAN M-BANKING KONVENSIONAL (STUDI PADA GENERASI Z D.I. YOGYAKARTA)This study aims to compare e-service quality and e-satisfaction in generation Z who use islamic mobile banking applications and conventional mobile banking. Hypothesis testing in this study used the Kruskal Wallis test and Mann-Whitney U test using the IBM SPSS Statistics 25 software. The data for this study were obtained by distributing questionnaires through the google form and the samples obtained were 140 respondents using islamic banking and 140 respondents using conventional mobile banking. The results of this study can be concluded that in the e-service quality variable in terms of efficiency and fulfillment there are differences in the two mobile banking. As for the e-satisfaction variable in terms of transaction and payments and information content from the two mobile banking there is a difference. As for the other indicators contained in this study, there was no difference between the two.NIM.: 19108020079 Faizatul Mahfudzoh2023-10-04T01:24:13Z2023-10-04T01:24:13Zhttp://digilib.uin-suka.ac.id/id/eprint/60594This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/605942023-10-04T01:24:13ZPENGARUH PSYCHOLOGICAL OWNERSHIP DAN SATISFACTION TERHADAP LOYALTY PADA PENGGUNAAN DIGITAL PAYMENT QRIS DI YOGYAKARTAThis study aims to determine the psychological effect of ownership and TAM represented by satisfaction on loyalty when using digital payment QRIS in Yogyakarta. There are three variables in the psychological ownership faktor here, namely perceived control, familiarity and self-investment. While satisfaction here there are 2 variables namely perceived usefulness and perceived ease of use. As for the sample used in this study, there were 157 respondents. The sampling technique used was purposive sampling. The data collection method used is a questionnaire. Researchers used an analysis technique with the PLS-SEM type and used the SmartPLS version 3.2.9 application as a data processing tool. The results of this study indicate that perceived control and self-investment variables have a significant positive effect on psychological ownership, while familiarity has no effect. perceived usefulness and perceived ease of use have a significant positive effect on satisfaction. Satisfaction on psychological ownership has no significant effect. Psychological ownership and satisfaction have a significant positive effect on loyalty.NIM.: 19108020087 Anna Nurul Kholidah2023-09-26T02:43:50Z2023-09-26T02:43:50Zhttp://digilib.uin-suka.ac.id/id/eprint/60617This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/606172023-09-26T02:43:50ZDETERMINAN INTENSI ADOPSI CENTRAL BANK DIGITAL CURRENCY (CBDC)Central Bank Digital Currency (CBDC) is an important concept studied by Bank Indonesia to address financial infrastructure efficiency issues and problems in the financial system. To be able to help increase the acceptance of CBDC, it is necessary to analyze user determinants for CBDC adoption, namely perceived risk, trust, convenience, facilitation of literacy with religiosity as a moderating variable. A total of 180 sample data domiciled in Yogyakarta were collected and analyzed with a quantitative approach using PLS-SEM with WarpPLS 8.0. The results showed that the perceived risk variable had a negative and insignificant effect, while the trust, convenience, literacy facilitation and religiosity variables had a significant positive effect on adoption intention. Moderation of religiosity on the relationship between trust and convenience toward intention adoption shows an insignificant positive effect and religiosity in moderating literacy facilitation on adoption intention is significantly positive.NIM.: 19108030022 Arifda Salsabila2023-09-26T02:32:59Z2023-09-26T02:32:59Zhttp://digilib.uin-suka.ac.id/id/eprint/60613This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/606132023-09-26T02:32:59ZPENGARUH REGULASI DIRI, SOFT SKILL DAN MOTIVASI KERJA TERHADAP KESIAPAN KERJA MAHASISWA DI LEMBAGA KEUANGAN SYARIAH (STUDI KASUS MAHASISWA FAKULTAS EKONOMI DAN BISNIS ISLAM UIN SUNAN KALIJAGA YOGYAKARTA)In this era of globalization, finding a job is not easy, so sustainable human resources are needed. This is also related to the Open Unemployment Rate according to Higher Education which increases every year. This type of research is a survey with a descriptive quantitative approach and uses primary data through distributing questionnaires. The research took a sample of 150 respondents. The data analysis technique used is multiple linear regression analysis with the help of the SPSS version analysis tool 25. Statistical test results show that self-regulation,Soft Skills, and Work Motivation Has a Positive and Significant Influence on Work Readiness.NIM.: 19108020114 Kamilawati2023-09-26T01:39:14Z2023-09-26T01:39:14Zhttp://digilib.uin-suka.ac.id/id/eprint/60607This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/606072023-09-26T01:39:14ZPENGARUH EMOTIONAL LABOR DAN STRES KERJA TERHADAP BURNOUT DENGAN KECERDASAN EMOSIONAL SEBAGAI VARIABEL MODERASI: STUDI KASUS PADA KARYAWAN BANK UMUM SYARIAH (BUS) DAN UNIT USAHA (UUS) SYARIAH DI YOGYAKARTAThis study aims to determine the effect of Emotional Labor and Work Stress on Burnout with Emotional Intelligence as a Moderation Variable. The object of this research is employees of Sharia Commercial Banks and Sharia Business Units in Yogyakarta, including employees of Bank Syariah Indonesia KCP Yogyakarta Kusumanegara, Bank Syariah Indonesia KCP Yogyakarta FE UII, Bank BPD DIY Syariah and Bank Permata Syariah. The research data used can be primary obtained through the distribution of questionnaires directly filled out by respondents as many as 71 people. The analysis tools used in this study used WarpPLS 7.0 and Microsoft Excel. The data analysis techniques used are Outer Model, Inner Model, and Hypothesis Test. The results of this study showed that the Emotional Labor variable had no effect on burnout. Work Stress variables have a negative and significant effect on burnout. Emotional Intelligence variables have a positive and significant effect on Emotional Labor. Emotional Intelligence variables negatively and significantly affect Work Stress. Emotional Intelligence variables have no effect on burnout. Emotional Intelligence variables can moderate Emotional Labor to Burnout. Emotional Intelligence variables can moderate Work Stress against Burnout.NIM.: 19108020105 Defina Mutiara Gusfiyani2023-09-15T01:18:35Z2023-09-15T01:18:35Zhttp://digilib.uin-suka.ac.id/id/eprint/60325This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/603252023-09-15T01:18:35ZPENILAIAN TINGKAT KESEHATAN BANK UMUM SYARIAH DI INDONESIA DENGAN MENGGUNAKAN MODEL RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING, AND CAPITAL) SELAMA PERIODE 2018-2022In the midst of competition in the banking world, the increase in Islamic banks in terms of quantity is also followed in terms of quality as well. This quality can be improved by looking at the results of the performance appraisal of Islamic banking. Assessment of the financial performance of Islamic commercial banks in this study uses the RGEC method. The aim is to explain and analyze differences regarding the level of soundness of Islamic Commercial Banks in Indonesia before the co-19 pandemic (2018-2019) and during the co-19 pandemic (2020-2022). The sampling technique in this study used purposive sampling. The data source is from the semiannual financial reports published by each Islamic Commercial Bank for 2018-2022. The RGEC model (Risk Profile, Good Corporate Governance, Earning, and Capital) is used as a measure of bank health in this study. Where the research variables with the RGEC model are proxied using the ratios of NPF, FDR, GCG, ROA, ROE and CAR. This research is a descriptive research with a quantitative approach. Methods of data analysis using descriptive statistical tests, normality tests (One Sample Kolmogorov-Smirnov Test) and non-parametric tests, namely the Wilcoxon Signed Ranks Test. The results of this study indicate that Islamic commercial banks for the 2018-2022 period have 10 Islamic commercial banks. Assessing the risk profile, banks that show "Very Healthy" conditions are Bank BCA Syariah with an NPF ratio and Bank Aceh with an FDR ratio. Assessment of Good Corporate Governance with GCG ratios, the bank that shows the condition of "Very Healthy" is BCA Syariah. Earning Assessment with ROA and ROE ratios, the bank that shows a “Very Healthy” condition is BTPN Syariah. Assessing the capital with the CAR ratio, the bank that shows a “Very Healthy” condition is BTPN Syariah. And the assessment using the RGEC method, banks that show the overall condition of a "Very Healthy" level of bank health are Bank Aceh and Bank BTPN Syariah.NIM.: 16820123 Tri Zumnar Lailani2023-07-25T08:35:33Z2023-07-25T08:35:33Zhttp://digilib.uin-suka.ac.id/id/eprint/60006This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/600062023-07-25T08:35:33ZDETERMINAN KEPUASAN NASABAH BSI MOBILEPenelitian ini bertujuan untuk menguji pengaruh variabel E-SERVQUAL terhadap kepuasan pengguna BSI mobile di Provinsi Daerah Istimewa Yogyakarta. Model yang digunakan adalah E-SERVQUAL, dengan penambahan variabel daya tanggap sebagai faktor yang dibedakan. Responden dalam penelitian ini berjumlah 200 pengguna BSI mobile yang tersebar di Provinsi Daerah Istimewa Yogyakarta. Pendekatan yang digunakan adalah deskriptif kuantitatif dengan menggunakan SEM (structural equation model) sebagai model analisis, dengan menggunakan perangkat lunak SmartPLS 3.0. Keandalan, pemenuhan, dan daya tanggap memiliki pengaruh terhadap kepuasan pengguna BSI mobile. Namun, efisiensi dan keamanan/privasi tidak berpengaruh terhadap kepuasan pengguna BSI mobile. Hasil temuan ini diharapkan memberikan kontribusi pada pemahaman tentang kepuasan pengguna BSI mobile, terutama dalam konteks layanan mobile banking dari perspektif akademis.NIM.: 21208011041 Askal Samiudin2023-07-24T06:47:13Z2023-07-24T06:47:13Zhttp://digilib.uin-suka.ac.id/id/eprint/59990This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/599902023-07-24T06:47:13ZPENGARUH PENGETAHUAN, BUDAYA, DAN MARKETING MIX TERHADAP KEPUTUSAN SANTRI GENERASI Z MEMBUKA REKENING BANK SYARIAH DENGAN RELIGIUSITAS SEBAGAI VARIABEL MODERASIPenelitian ini dilakukan bertujuan untuk mengetahui dan menjelaskan apakah variabel pengetahuan, budaya dan marketing mix memiliki pengaruh terhadap keputusan santri generasi Z membuka rekening bank syariah dan apakah religiusitas memoderasi pengetahuan dan budaya terhadap keputusan santri generasi Z membuka rekening bank syariah. Penelitian ini menggunakan metode kuantitatif dengan menggunakan data primer yang diperoleh dari hasil sebar kuesioner (angket). Sampel yang digunakan pada penelitian ini sebanyak 128 santri nasabah pengguna layanan bank syariah yang tersebar di wilayah Yogyakarta dengan menggunakan teknik purposive sampling. Data yang diperoleh kemudian diolah dengan bantuan alat statistik SmartPLS versi 3 untuk kemudian dianalisis dengan beberapa tahap meliputi: Outer Model (uji validitas, asumsi klasik, dan reliabilitas), Inner model (uji determinasi R2 dan uji hipotesis), serta MSEM (Moderating Structural Equation Modeling).
Berdasarkan hasil pengujian hipotesis test pada penelitian ini, peneliti menemukan hasil bahwa pengetahuan, religiusitas, produk, harga, lokasi, people, dan proses tidak berpengaruh positif signifikan terhadap keputusan santri generasi Z membuka rekening bank syariah dengan masing-masing memperoleh nilai P value > 0,05. Sedangkan variabel budaya, promosi, dan bukti fisik berpengaruh positif signifikan terhadap keputusan santri generasi Z dengan diperoleh P value sebesar < 0,05. Selain itu, pada uji moderasi (MSEM) menunjukkan bahwa religiusitas mampu memperkuat pengaruh pengetahuan terhadap keputusan santri generasi Z membuka rekening bank syariah dengan T statistik 2,054 > 1,96 maka status moderasinya adalah (pure moderasi). Religiusitas tidak memoderasi atau memperlemah pengaruh budaya terhadap keputusan santri generasi Z membuka rekening bank syariah dengan nilai original sample bertanda negatif -0,238 maka status moderasinya adalah (prediktor moderasi).NIM.: 19108020107 Dira Arum Cahyanudin2023-07-13T08:47:58Z2023-07-13T08:47:58Zhttp://digilib.uin-suka.ac.id/id/eprint/59874This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/598742023-07-13T08:47:58ZAKAD MUDARABAH PADA BANK SYARIAH INDONESIA (STUDI PANDANGAN ULAMA MUHAMMADIYAH DAN NAHDLATUL ULAMA KOTA BLITAR)Mudarabah merupakan akad kerjasama usaha antara 2 (dua) pihak, dimana pihak pertama bertindak sebagai pemilik dana sedangkan pihak lainnya sebagai pengelola usaha. Akad mudarabah dalam perbankan memiliki prinsip pemilik modal dapat berperan sebagai sahibul mal (pemilik modal/dana) dan bank sebagai mudarib (pengelola dana). Akad mudarabah ini oleh para ulama sering disalahartikan. Tidak sedikit ulama yang menyatakan bahwa akad mudarabah atau bagi hasil dalam bank syariah sama halnya dengan sistem bunga pada bank konvensional. Pokok masalah dalam penelitian ini adalah terkait bagaimana pendapat ulama Muhammadiyah dan Nahdlatul Ulama Kota Blitar terkait akad mudarabah dalam Bank Syariah Indonesia serta dasar hukum yang digunakan juga relevansi pendapat tersebut dengan prinsip dalam good corporate governance. Jenis penelitian ini merupakan penelitian dengan mengambil data lapangan yakni pada pendapat ulama Muhammadiyah dan Nahdlatul Ulama Kota Blitar terkait akad pada Bank Syariah Indonesia dimana data yang didapatkan di lapangan dipaparkan secara deskriptif analisis. Penelitian ini menggunakan teori penemuan hukum dalam islam dan teori good corporate governance sebagai bahan acuan.
Dalam mengartikan definisi akad mudarabah pada Bank Syariah Indonesia ulama Muhammadiyah mengartikan bagi hasil dengan akad kerjasama antara pihak dimana terdapat pemilik modal dan pengelola modal dengan tujuan mendapat keuntungan yang pembagian keuntungan sudah disepakati diawal dan terdapat kerelaan antara keduanya. Namun apabila dalam hasil tidak mendapat keuntungan maka kerugian ditanggung bersama. Ulama Muhammadiyah menyatakan bahwa pembagian baik antara pihak Bank Syariah Indonesia dengan pihak nasabah belum ada pembagian dengan menanggung kerugian bersama. Dalam penentuan bagi hasil dalam Bank Syariah Indonesia salah satu metode istinbat Muhammadiyah dikembangkan istinbat bayani. Ulama NU Kota Blitar mengartikan dalam akad saat terjadinya perjanjian pembagian hasil antara keuntungan maupun kerugian masih belum jelas pembagiannya antara pihak Bank Syariah Indonesia dengan pihak nasabah. Ulama NU Kota Blitar dalam mengartikan bagi hasil atau akad mudarabah dalam Bank Syariah Indonesia yaitu dengan metode Ilhaqi (analogi) yaitu menganalogikan hukum suatu masalah tertentu yang tidak memiliki landasan hukum dengan kasus serupa yang sudah ada dalam kitab referensi yaitu kitab Fatḥul Qarib. Terdapat beberapa prinsip syariah yang mendukung terlaksananya good corporate governance atau tata kelola di dunia perbankan yaitu, a) ṣidiq, dalam hal ini kedua ulama memandang bahwa Bank Syariah Indonesia belum sepenuhnya jujur. b) tablig, kedua ulama sepakat bahwa perlu adanya sosialisasi untuk memperkenalkan sistem akad mudarabah dalam bank c) amanah, dalam prinsip ini memang masih sulit diterapkan dikarenakan meskipun sudah ada perjanjian tapi masih ada pihak-pihak yang untuk diberikan tanggungjawab masih diragukan. d) faṭanah, kedua ulama sepakat bahwa perlu adanya peninjauan secara berkala untuk mencapai hasil yang diinginkan.NIM.: 20203012036 Wasi’atul Qolbi2023-07-12T07:38:46Z2023-07-12T07:38:46Zhttp://digilib.uin-suka.ac.id/id/eprint/59835This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/598352023-07-12T07:38:46ZPENYELESAIAN PEMBAGIAN HARTA BERSAMA PADA BANK KONVENSIONAL PASCA PUTUSAN MAHKAMAH KONSTITUSI NOMOR 64/PUU-X/2012 (STUDI KASUS PADA BANK BUMN DI YOGYAKARTA)Putusan Mahkamah Konstitusi Nomor 64/PUU-X/2012 dikeluarkan guna pembukaan kerahasiaan bank yang sebelumnya menjadi kendala untuk proses pembuktian di Peradilan dalam penyelesaian pembagian harta bersama berupa simpanan di bank. Setelah Putusan Mahkamah Konstitusi Nomor 64/PUU-X/2012 dikeluarkan, terdapat perubahan dalam proses pembuktian dan eksekusi pembagian harta bersama pada bank di Indonesia. Pokok permasalahan dalam penelitian ini adalah apa dan bagaimana prosedur pengajuan barang bukti Penggugat ke pihak bank dan eksekusi pembagian harta bersama berupa simpanan di bank, khususnya yang dilakukan oleh Bank Konvensional Milik BUMN di Yogyakarta. Jenis penelitian yang digunakan merupakan penelitian lapangan (empirical research), dengan menggunakan metode pendekatan yuridis normatif, yakni pendekatan yang dimulai dengan proses mengidentifikasikan dan juga mengkonsepsikan hukum dan sumber normatif berupa teks keagamaan yakni Al-qur’an, Hadits, dan Fiqh. Sumber data primer berasal dari Putusan Perkara Nomor 618/Pdl.G/2021/PA.YK, dengan menggunakan sifat penelitian berupa deskriptif analitik dengan mendalami teori prinsip kerahasiaan bank dan teori asas "Actori incumbit probatio, actori onus probandi".
Berdasarkan hasil dari penelitian, maka diketahui bahwa terdapat perubahan dalam tata cara pembuktian dan proses eksekusi pembagian harta bersama yang berupa simpanan di bank. Dalam proses pembuktian di persidangan, Penggugat dapat melakukan prosedur permintaan barang bukti rekening ke bank yang meliputi beberapa langkah penting yang harus dilakukan dengan benar untuk memperoleh barang bukti yang diinginkana. Langkah-langkah tersebut ialah memberikan surat putusan asli dari Pengadilan, akta cerai, membuat surat permohonan, surat kuasa, menyertakan dokumen identitas, semuanya dikirim langsung ke alamat bank. Setelah itu Penggugat menunggu balasan dari bank, dan memperoleh barang bukti rekening jika permintaan disetujui oleh bank. Setelah pembuktian selesai dilakukan proses eksekusi pembagian harta bersama. Pada Putusan Mahkamah Konstitusi Nomor 64/PUU-X/2012 tidak diatur mengenai proses eksekusi pembagian harta bersama yang dilakukan oleh pihak bank, namun diatur dalam Pasal 225 HIR. Pembagian harta bersama dapat dilakukan oleh pihak Perbankkan dan Pengadilan yakni Panitera atau Jurusita, eksekusi dilakukan sesuai Surat Putusan Pengadilan yang telah ditentukan pembagiannya. Sebagai pihak yang bertugas untuk melaksanakan putusan pengadilan dalam eksekusi pembagian harta bersama tidak dapat melakukan permintaan tambahan dari kedua belah pihak yang tidak sesuai dengan putusan pengadilan dan dilakukan dalaam kurun waktu 8 hari setelah dikeluarkan.NIM.: 19103050050 Fauzan Nursya’bani2023-07-04T06:58:53Z2023-07-04T06:58:53Zhttp://digilib.uin-suka.ac.id/id/eprint/59487This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/594872023-07-04T06:58:53ZMarket Reactions To Dividends Announcement An Event Study Of BRIS And BTPSIntroduction: A dividend announcement is an information disclosed by a public company regarding the distribution of its corporate profits, whether in the form of dividends or retained earnings to strengthen the company in funding future investments. Dividend announcements might have either a positive or negative effect on the market.
Methods: This quantitative research uses the event study method in the data collection period of 20 days, ten days before and ten days after the ex-dividend date. The analysis used is a descriptive statistical test, Shapiro-Wilk normality test, and hypothesis test.
Results: The study results indicate that the market reaction is a change in the share price of PT. Bank Syariah Indonesia Tbk (BRIS), there is no significant difference between before and after the ex-dividend date but at PT. National Sharia Pension Savings Bank Tbk (BTPS) changes stock prices before and after the ex-dividend date, and there is a significant difference. Furthermore, for abnormal returns at PT. Bank Syariah Indonesia Tbk (BRIS) and PT. National Sharia Pension Savings Bank Tbk (BTPS) before and after the ex-dividend date, there is no significant difference, as well as the trading volume activity of PT. Bank Syariah Indonesia Tbk (BRIS) and PT. National Sharia Pension Savings Bank Tbk (BTPS) before and after the ex-dividend date, there is no significant difference.
Conclusion and suggestion: This is because the dividend policy is not a factor of investor interest in investing in the company but is determined through the earning power of the company's assets- Muhammad Ahsanul Amal- Darmawan- Lamondo2023-07-03T05:35:34Z2023-07-03T05:35:34Zhttp://digilib.uin-suka.ac.id/id/eprint/59404This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/594042023-07-03T05:35:34ZDETERMINAN KINERJA KARYAWAN BANK SYARIAH INDONESIA (BSI) KUSUMANEGARA CABANG YOGYAKARTA DAN BANK SYARIAH INDONESIA (BSI) SUDIRMAN CABANG BUKITTINGGIThis study explain to determine the effect of training, organizational culture, competence, motivation, and pain on the performance of employees of Bank Syariah Indonesia (BSI) Kusumanegara Yogyakarta Branch and Bank Syariah Indonesia (BSI) Sudirman Bukittinggi Branch. The population in this study were all employees of Bank Syariah Indonesia (BSI) Kusumanegara Yogyakarta Branch and Bank Syariah Indonesia (BSI) Sudirman Bukittinggi Branch who had received work training. Sampling in this study using purposive sampling, amounting to 23 employees. Primary data in this study were obtained from distributing questionnaires to Bank Syariah Indonesia (BSI) Kusumanegara Branch of Yogyakarta and Bank Syariah Indonesia (BSI) Sudirman Branch of Bukittinggi. Methods of data analysis using SPSS. The results of this study indicate that training, organizational culture, competence, motivation and feelings have a significant influence on the performance of employees of Bank Syariah Indonesia (BSI) Kusumanegara Yogyakarta Branch and Bank Syariah Indonesia (BSI) Sudirman Bukittinggi Branch. The independent variable in this study is able to explain the dependent variable of 66.7% at Bank Syariah Indonesia (BSI) Kusumanegara Yogyakarta Branch and Bank Syariah Indonesia (BSI) Sudirman Branch Bukittinggi at 62.3%.NIM.: 21208011040 Rosihaturrosyidah2023-06-27T07:56:00Z2023-06-27T07:56:00Zhttp://digilib.uin-suka.ac.id/id/eprint/59336This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/593362023-06-27T07:56:00ZPENGARUH ZAKAT DISCLOSURE, ISLAMIC CORPORATE SOCIAL RESPONSIBILITY (ICSR), DAN INTELLECTUAL CAPITAL TERHADAP FINANCIAL PERFORMANCE PADA BANK UMUM SYARIAH DI ASIA TENGGARAThis study aims to analyze the effect of zakat disclosure, Islamic corporate social responsibility, and intellectual capital on financial performance as measured by ROA in Islamic banking companies in Southeast Asia. This study uses a quantitative approach. The data used is secondary data in the form of annual reports of Islamic Banks registered on official financial websites in three countries in the Southeast Asia region, namely Indonesia, Malaysia and Brunei Darussalam from 2015 to 2021. The methods used in data collection are documentation and study methods References. The data analysis method used is panel data regression analysis. The selection of the research sample used a purposive sampling method with criteria set by the researcher and resulted in 13 Islamic Bank companies in three countries in the Southeast Asia region, namely Indonesia, Malaysia and Brunei Darussalam from 2015 – 2021. Thus, the total sample used in the study was 91 sample. The results obtained in this study, namely zakat disclosure and Islamic corporate social responsibility have no effect on the financial performance of Islamic banks as measured by ROA. This means, the higher the disclosure of zakat and ICSR in an Islamic bank does not make the financial performance of Islamic banks good or bad and vice versa. On the other hand, this study found that intellectual capital has a significant positive effect on the financial performance of Islamic Banks as measured by ROA.NIM.: 19108040108 Khusnul Zulmiati2023-06-27T04:04:44Z2023-06-27T04:04:44Zhttp://digilib.uin-suka.ac.id/id/eprint/59319This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/593192023-06-27T04:04:44ZPENGARUH FINANCIAL DISTRESS TERHADAP KINERJA KEUANGAN DENGAN MENJADIKAN CORPORATE SOCIAL RESPONSIBILITY (CSR) SEBAGAI VARIABEL MODERASI (STUDI KASUS PADA BANK UMUM SYARIAH PERIODE 2017-2021)This study wants to dig deeper into financial distress as seen from the Z-Score and Non Performing Financing (NPF) values and their impact on financial performance on Return On Assets (ROA) with Corporate Social Responsibility (CSR) as a moderating variable. The object of this research is Islamic Commercial Banks (BUS) registered with the Financial Services Authority (OJK) in 2017-2021 with the number of samples used being 10 banks. The number of observations used was 50 observations. The type of data used is panel data with data processing using EViews-10 software. Panel data regression analysis was performed with multiple linear regression. The results of this study indicate that the Z-Score variable has a significant positive effect on ROA, Non Performing Financing (NPF) has no significant effect on ROA. Furthermore, in the Moderated Regression Analysis (MRA) test, CSR is able to moderate the relationship between the Z-Score and ROA, and CSR cannot moderate the relationship between Non Performing Financing (NPF) and ROA.NIM.: 19108030095 Nurfaiqatul Mar‟ah2023-05-15T04:23:23Z2023-05-15T04:23:23Zhttp://digilib.uin-suka.ac.id/id/eprint/58577This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/585772023-05-15T04:23:23ZPERSPEKTIF MAQASID ASY-SYARO‘AH TERHADAP TINGKAT KEPUASAN NASABAH BSI TABUNGAN EASY WADIAH (STUDI ASPEK RELIGIUSITAS, ISLAMIC BRANDING, CUSTOMER EXPERIENCE DAN MANFAAT PRODUK)Bank Syariah Indonesia (BSI) sebagai hasil merger ketiga bank penting untuk memenangkan persaingan antar bank, baik persaingan dengan bank konvensional maupun sesama bank syariah. Oleh karena itu dibutuhkan strategi salah satunya dengan memberikan kepuasan terhadap nasabahnya. Banyak faktor yang dapat melatar belakangi adanya kepuasan nasabah diantaranya religiusitas, Islamic branding, customer experience dan manfaat produk. Selain kepentingan strategi dalam mempertahankan nasabah dan meraih keuntungan, sebagai bank syariah BSI harus memperhatikan kemaslahatan nasabahnya baik di dunia maupun di akhirat sesuai prinsip perekonomian Islam. Oleh karenanya menjadi menarik untuk diteliti tentang bagaimana tingkat kepuasan nasabah BSI Tabungan Easy Wadiah dan perspektifnya menurut maqāṣid asy-Syarī‘ah dengan melihat empat aspek yaitu aspek religiusitas, Islamic branding, customer experience dan manfaat produk.
Penelitian ini merupakan penelitian kualitatif deskriptif dengan populasi nasabah muslim yang sedang menempuh pendidikan strata satu di Perguruan Tinggi. Observasi pada penelitian ini menggunakan teknik penyebaran kuesioner kepada 86 responden. Pengambilan data menggunakan penyebaran kuesioner berupa soft file melalui google form. Teori yang digunakan dalam penelitian ini adalah teori maqāṣid asy-Syari‘ah Imam asy-Syaṭibi, konsep religiusitas Starck & Glock, konsep branding menurut Kotler, kualifikasi dimensi customer experience menurut Schmitt dan konsep manfaat produk serta personal need menurut Tjiptono.
Hasil dari penelitian ini menunjukkan bahwa tingkat kepuasan nasabah yang berangkat dari empat aspek tersebut secara keseluruhan menunjukkan adanya kemaslahatan bagi kehidupan nasabah, baik kemaslahatan agama, jiwa, keturunan, harta dan akal.NIM.: 17103080081 Ika Ratna Ambarwati2023-05-05T08:02:41Z2023-05-05T08:02:41Zhttp://digilib.uin-suka.ac.id/id/eprint/58355This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/583552023-05-05T08:02:41ZFAKTOR-FAKTOR YANG MEMPENGARUHI USER
EXPERIENCE APLIKASI MOBILE BANKINGThe flexibility of technology and the transformation of cellphones into smartphones are one of the factors that ultimately make it easier for people to access banking services. This was marked by the birth of mobile banking services. Mobile banking is a service offered by banks to customers to facilitate transactions that can be accessed through an application installed on a smartphone. Customers can carry out various financial transactions such as transactions at ATMs so that mobile banking services can be a solution for many people to carry out financial activities without the need to carry out excessive social activities. Banking activities through mobile banking services have experienced a significant increase. Bank Indonesia (BI) noted that the total digital banking transactions throughout 2021 reached IDR 39,841.4 trillion, a growth of 45.64 percent when compared to the previous year. The quality of mobile banking services will significantly affect the level of user satisfaction, where user satisfaction is influenced by user experience, therefore research on the level of usability is needed. This study used a quantitative approach with data collection methods through questionnaires. The instruments used in this study are the Computer System Usability Questionnaire (CSUQ), System Usability Scale (SUS), Net Promoter Score (NPS), Nielsen' Attributes of Usability (NAU), Nielsen's Usability Heuristics, Factors Affecting Usability, Factors Influencing User Experience , and the User Experience Questionnaire. Data processing in this study uses descriptive analysis and inferential analysis. Descriptive analysis was carried out by calculating the mean value of the usability level, while inferential analysis was carried out by conducting different tests consisting of the Kruskal Wallis test. The Kruskal Wallis test will be used as an initial reference because the data collected is not normally distributed and more than 3 or more samples are unpaired, so the analysis must be carried out non-parametrically (using the Kruskal Wallis test). After being reviewed, it was found that of the 78 usability sub-criteria, there were a number of 77 different special sub-criteria, 1 sub-criteria whose features were not different. There is one sub-criteria that is not different, namely the Net Promoter Score (NPS). In general, the Mobile Banking Y application turns out to have a better level of usability than X and Z, most of these sub features are different but in practice they are not significant.NIM.: 20206052009 Muhammad Haedar Zhafran Hidayatullah, S.Kom.2023-05-05T02:38:11Z2023-05-05T02:38:11Zhttp://digilib.uin-suka.ac.id/id/eprint/58336This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/583362023-05-05T02:38:11ZDAMPAK COVID 19 TERHADAP STABILITAS
PERBANKAN DI INDONESIA: SEBUAH
KOMPARASI ANTARA BANK SYARIAH
DAN BANK KONVENSIONALThe world is currently facing a Covi 19 pandemic. Where the Covid
pandemic has social and economic sectors, such as education, health,
tourism, transportation, trade, and financial markets. The purpose of this
study is to analyze the effect of the pandemic on the stability of both
Islamic and conventional banks in Indonesia, and whether they have a
different impact on the two types of banks. Using panel data regression,
it is found that the Covid pandemic has an effect on the stability of banks
in Indonesia. The effect is no different between Islamic banks and
conventional banks.- SUNARSIH, S.E., M. Si.2023-04-18T04:43:55Z2023-04-18T04:43:55Zhttp://digilib.uin-suka.ac.id/id/eprint/58090This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/580902023-04-18T04:43:55ZFAKTOR YANG MEMPENGARUHI PEMBIAYAAN PADA BANK UMUM SYARIAH TAHUN 2002-2009Perbankan syariah adalah lembaga keuangan yang berfungsi sebagi
pihak intermediary antara pihak yang kelebihan dana dengan pihak yang
membutuhkan dana. Penghimpunan dana dari masyarakat atau yang disebut
dengan dana pihak ketiga (DPK), ditambah dengan modal bank syariah itu
sendiri (CAR) selanjutnya akan disalurkan oleh bank syariah dalam bentuk
pembiayaan. Akan tetapi, dalam pembiayaan ada risikonya yaitu pembiayaan
bermasalah (NPF). Pembiayaan bermasalah menjadi pertimbangan suatu bank
dalam menentukan besarnya pembiayaan. Sedangkan bonus Sertifikat
Wadiah Bank Indonesia merupakan bonus yang diberikan Bank Indonesia
kepada Bank Umum Syariah atau Unit Usaha Syariah setelah jatuh tempo.
Penelitian ini termasuk kategori penelitian terapan atau sering disebut
applied research. Penelitian ini menguji dan menganalisis bagaimana
pengaruh Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non
Performing Financing (NPF) dan bonus Sertifikat Wadiah Bank Indonesia
secara simultan dan parsial terhadap pembiayaan pada Bank Muamalat
Indonesia. Populasi dalam penelitian ini adalah Bank Umum Syariah,
sedangkan sampel dalam penelitian ini adalah Bank Muamalat Indonesia.
Penelitian ini menggunakan data kuantitatif yaitu dana yang diukur dengan
skala numerik(angka). Periode penelitian yaitu tahun 2002-2009. Variabel
independen dalam penelitian ini adalah Dana Pihak Ketiga (DPK), Capital
Adequacy Ratio (CAR), Non Performing Financing (NPF) dan bonus
Sertifikat Wadiah Bank Indonesia (SWBI). Sedangkan variabel dependennya
adalah pembiayaan. Data yang digunakan dalam penelitian ini adalah data
sekunder, yaitu data yang diperoleh atau yang dikumpulkan oleh orang yang
melakukan penelitian dari sumber-sumber yang telah ada. Metode analisis
yang digunakan untuk menguji hipotesis adalah analisis regresi berganda
dengan terlebih dahulu melakukan uji asumsi klasik. Untuk mengetahui
pengaruh secara simultan, digunakan uji F dan untuk mengetahui pengaruh
secara parsial digunakan uji t.
Hasil penelitian ini menunjukkan bahwa secara bersama-sama
variabel DPK, CAR, NPF dan bonus SWBI berpengaruh terhadap
pembiayaan. Namun secara parsial, yang berpengaruh hanya variabel Dana
Pihak Ketiga (DPK). Berdasarkan uji determinasi besarnya nilai adjusted R
Square adalah0.854, yang berarti bahwa 85.4% variasi tingkat pembiayaan
dapat dijelaskan oleh variasi dari keempat variabel yang berpengaruh
terhadap tingkat pembiayaan. Sedangkan sisanya (100% - 85.4% = 14.6%)
dijelaskan oleh variabel lain yang tidak dimasukkan dalam model persamaan
di atas.NIM.: 07390033 Rifatul Itsna2023-04-17T04:25:27Z2023-04-17T04:25:27Zhttp://digilib.uin-suka.ac.id/id/eprint/58046This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/580462023-04-17T04:25:27ZMINAT GENERASI-Z MELAKUKAN PERILAKU BERALIH
PADA BANK SYARIAH DI PROVINSI BANTEN:
PENDEKATAN PUSH-PULL MOORINGThe purpose of this research is to understand the interest of Generation Z in switching behavior to Islamic banks based on the Push Pull Mooring (PPM) theory. The method used in this research is quantitative and the population taken as a sample is Generation Z in Banten Province. The hypothesis in this research is tested using Structural Equation Modelling (SEM) and the SmartPLS 3.0 application, with a sample size of 184 respondents taken using purposive sampling method. Data collection techniques are carried out through the distribution of questionnaires through Google Forms. The results of the research show that the push and pull factors have a positive and significant effect on switching intention, while the mooring factors do not have an effect on switching intention.NIM.: 18108020040 Aji Kukuh Pramudya2023-04-14T07:56:11Z2023-04-14T07:56:11Zhttp://digilib.uin-suka.ac.id/id/eprint/58016This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/580162023-04-14T07:56:11ZANALISIS DAN MITIGASI MANAJEMEN RISIKO PEMBIAYAAN MURABAHAH PADA BANK PEMBIAYAAN RAKYAT SYARIAH BAROKAH DANA SEJAHTERA YOGYAKARTAMurabahah is a form of sale and purchase agreement that is subject to the rules and laws of muamalah. Murabaha in Islamic banking is principally based on the purchase price and related costs and agreement on profit. The purpose of this study is to find out what risks occur in murabahah financing products, to find out the application of risk management and risk mitigation efforts made to murabahah financing products at BPRS Barokah Dana Sejahtera Yogyakarta. This research is a type of qualitative research. Data obtained using the method of observation, interviews and documentation. The analytical method used is the method according to Miles and Huberman, namely data codification, data presentation, and drawing conclusions. While the validity of the data is done by source triangulation method. The results of the study show some of the risks inherent in murabaha financing products at BPRS Barokah Dana Sejahtera Yogyakarta. These risks include financing risk, liquidity risk, operational risk and compliance risk. The murabahah financing risk management process is carried out into four stages, namely risk identification, risk measurement, risk monitoring, and risk control. The mitigation attempted by BPRS Barokah Dana Sejahtera is adjusted to the need to reduce the risks inherent in murabaha financing.NIM.: 19108030002 Bagus Abdul Latif2023-04-14T07:51:25Z2023-04-14T07:51:25Zhttp://digilib.uin-suka.ac.id/id/eprint/58015This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/580152023-04-14T07:51:25ZPENGARUH BEBAN KERJA, GAYA KEPEMIMPINAN
TRANSFORMASIONAL DAN KOMPENSASI TERHADAP
MOTIVASI KERJA
(Studi Kasus : Bank BPD DIY Syariah)This thesis is the result of research that describes how much
influence workload, transformational leadership style and compensation
have on work motivation with a case study of BPD DIY Syariah. The
research in this thesis is motivated by the phenomenon of the growing
development of Islamic financial institutions, especially Islamic banking.
To be able to compete with other competitors that can be done by the
company is to improve the quality of products and services. In addition to
improving products and services, one thing that needs to be considered is
improving the quality of its human resources and knowing the motivation
needed by employees.
The formulation of the problems in this study are (1) Does
workload affect the work motivation of BPD DIY Syariah employees?, (2)
Does transformational leadership style affect the work motivation of BPD
DIY Syariah employees?, (3) Does compensation affect the work
motivation of BPD employees Sharia DIY?
This study uses a quantitative approach with descriptive methods.
The analytical method used is Multiple Linear Regression Analysis using
SPSS 27 analysis tool. The sampling technique used is Nonprobability
Sampling with the Purposive Sampling method. Respondents in this study
were 40 respondents from BPD DIY Syariah employees.
The results of this study indicate that (1) workload has a
significant negative effect on work motivation, (2) Transformational
leadership style has a significant negative effect on work motivation (3)
Compensation has a significant positive effect on work motivation.NIM.: 19108020015 Lutfia Widya Setya Maharani2023-04-14T07:38:40Z2023-04-14T07:38:40Zhttp://digilib.uin-suka.ac.id/id/eprint/58006This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/580062023-04-14T07:38:40ZANALISIS PENGARUH SHARIA COMPLIANCE TERHADAP KINERJA MAQASHID SYARIAH PADA BANK UMUM SYARIAH DI INDONESIAPenelitian ini bertujuan untuk ekplanasi yaitu menjelaskan hubungan sebab akibat dari pengaruh Sharia Compliance terhadap Kinerja Maqashid Syariah pada Bank Umum Syariah di Indonesia. Jenis penelitian ini kuantitatif menggunakan teknik analisis data deskriptif dan analisis regresi data panel yang menguji asumsi klasik, uji F dan uji T dengan tingkat signifikansi 5%. Teknik pengambilan sampel menggunakan purposive sampling serta menggunakan data sekunder dari 9 Laporan Keuangan Semesteran Bank Umum Syariah periode 2015-2020 sehingga diperoleh 108 data. Hasil dari penelitian ini menunjukkan bahwa secara simultan Sharia Compliance berpengaruh positif signifikan terhadap Kinerja Maqashid Syariah, yang artinya semakin tinggi tingkat Sharia Compliance maka akan semakin tinggi pula tingkat Kinerja Maqashid Syariah. Jika secara parsial variabel yang memiliki pengaruh positif signifikan terhadap Maqashid Syariah Index adalah Profit Sharing Ratio dan Islamic Income Ratio yang artinya Bank Umum Syariah telah melaksanakan kepatuhan syariah dengan baik, sedangkan variabel yang tidak berpengaruh terhadap Maqashid Syariah Index adalah Zakat Performance Ratio dan Islamic Investment ratio hal ini dapat terjadi dikarenakan penyaluran zakat masih rendah serta dalam berinvestasi masih terdapat kegiatan non halal.NIM.: 19108040071 Zhalsa Nabila2023-04-14T07:27:23Z2023-04-14T07:27:23Zhttp://digilib.uin-suka.ac.id/id/eprint/58005This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/580052023-04-14T07:27:23ZANALISIS TINGKAT PENGUNGKAPAN RISIKO OPERASIONAL PADA BANK UMUM SYARIAH DI INDONESIA TAHUN 2016-2021The purpose of this study is to examine the operational risk disclosure of Islamic Commercial Banks in Indonesia partially influenced by Bank Size, Profitability, Liquidity, Sharia Supervisory Board, and Investment Account Holder. Quantitative method Descriptive statistical test, model estimation test, classical assumption test, hypothesis test, and panel data regression test will be used in the data analysis method in this study. Purposive sampling was used as a sampling method. Partially, bank size, liquidity, and sharia supervisory board have a significant effect on increasing operational risk disclosure, while profitability and IAH have no significant effect on increasing operational risk disclosure. This study can be a reference for academics, sharia investors, and stakeholders in sharia banking regarding indicators that influence the disclosure of operational risk in sharia banking. This research also contributes to an understanding of the decision to disclose operational risk in Islamic banking.NIM.: 19108040054 Alfina Rofi’atun Nasihah2023-04-12T05:26:56Z2023-04-12T05:26:56Zhttp://digilib.uin-suka.ac.id/id/eprint/57934This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/579342023-04-12T05:26:56ZPENGARUH PRAKTIK KERJA LAPANGAN, INFORMASI PEKERJAAN DAN MOTIVASI TERHADAP KESIAPAN KERJA MAHASISWA UIN SUNAN KALIJAGA DI BANK SYARIAH
(Studi pada Mahasiswa Fakultas Ekonomi dan Bisnis Islam di UIN Sunan Kalijaga)Penelitian ini bertujuan untuk mengetahui Pengaruh Praktik Kerja Lapangan, Informasi Pekerjaan dan Motivasi terhadap Kesiapan Kerja Mahasiswa UIN Sunan Kalijaga di Bank Syariah. Obyek pada penelitian ini adalah Mahasiswa Fakultas Ekonomi dan Bisnis Islam UIN Sunan Kalijaga. Metode sampel yang digunakan pada penelitian ini yaitu random sampling. Data penelitian yang digunakan adalah data primer yang diperoleh melalui penyebaran kuesioner secara online (Google Form) dan secara offline kepada responden sebanyak 100 orang. Alat analisis yang digunakan dalam penelitian ini adalah IBM SPSS Versi 25. Teknik analisis yang digunakan adalah Uji Deskriptif, Uji Kualitas Data, Uji Asumsi Klasik dan Uji Hipotesis.
Hasil penelitian ini menunjukkan bahwa terdapat pengaruh secara parsial dan signifikan antara Praktik Kerja Lapangan terhadap Kesiapan Kerja. Variabel informasi pekerjaan tidak berpengaruh secara parsial dan signifikan terhadap kesiapan kerja dan berpengaruh secara parsial dan signifikan antara motivasi terhadap kesiapan kerja mahasiswa fakultas ekonomi dan bisnis Islam UIN Sunan Kalijaga di Bank Syariah.NIM.: 19108020099 Fitri Rahmatia2023-03-30T02:27:58Z2023-03-30T02:27:58Zhttp://digilib.uin-suka.ac.id/id/eprint/57545This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/575452023-03-30T02:27:58ZPENGARUH PERTUMBUHAN EKONOMI, INFLASI DAN SUKU BUNGA TERHADAP KETAHANAN BANK SYARIAH DI INDONESIA MELALUI UJI NPF DAN ROA PADA MASA PANDEMI COVID 19Tujuan penelitian ini adalah untuk mengetahui pengaruh pertumbuhan ekonomi, inflasi dan suku bunga terhadap ketahanan Bank Syariah di Indonesia melalui uji NPF dan ROA pada masa pandemi covid 19. Penelitian ini menggunakan jenis penelitian kuantitatif. Variabel bebas dalam penelitian ini adalah Pertumbuhan Ekonomi, dan Tingkat Inflasi, deflasi dan Tingkat suku bunga. Sedangkan variabel terikat adalah Return on Asset (ROA) dan Risiko Pembiayaan (Non Performing Financing). Objek penelitian dalam penelitian ini adalah Bank Syariah di Indonesia yang telah memenuhi syarat kelengkapan data yang terdapat di situs BI atau OJK. Teknik pengumpulan data menggunakan studi dokumen. Teknik analisis data yang digunakan dalam penelitian ini adalah Regresi Linear Berganda. Hasil dari penelitian ini menunjukkan bahwa (1) Tingkat Pertumbuhan Ekonomi tidak berpengaruh positif terhadap daya tahan Bank Syariah di Indonesia diukur dari ROA (Return On Asset), (2) Tingkat Inflasi terhadap berpengaruh negatif daya tahan Bank Syariah di Indonesia diukur dari ROA (Return On Asset), (3) Tingkat Suku Bunga berpengaruh nagatif terhadap daya tahan Bank Syariah Indonesia diukur dari ROA (Return On Asset), (4) Tingkat Pertumbuhan Ekonomi berpengaruh negatif terhadap daya tahan Bank Syariah di Indonesia diukur dari NPF (Non Performing Financing), (5) Tingkat Inflasi tidak berpengaruh positif terhadap daya tahan Bank Syariah di Indonesia diukur dari NPF (Non Performing Financing) dan (6) Tingkat Suku Bunga berpengaruh positif terhadap daya tahan Bank Syariah di Indonesia diukur dari NPF (Non Performing Financing). Bank Syariah di Indonesia diharapkan selalu menganalisis kinerja keuangan pada rasio ROA dengan memperhatikan pergerakan kondisi makroekonomi pada saat membuat pertimbangan dan perencanaan dalam pengambilan keputusan dimasa krisis ekonomi di masa yang akan datang untuk menghadapi guncangan kondisi makroekonomi di Indonesia maupun Internasional.NIM.: 20208012010 Tiara Sari2023-03-29T07:53:30Z2023-03-29T07:53:30Zhttp://digilib.uin-suka.ac.id/id/eprint/57526This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/575262023-03-29T07:53:30ZDETERMINAN MINAT MENGGUNAKAN PRODUK TABUNGAN
PADA BANK SYARIAH INDONESIA CABANG BANTULBank Syariah Indonesia is a new bank from the merger of three banks. Until now,
people still think that Islamic banks are no different from other conventional banks,
only that the word sharia is added. So I, as a researcher, am trying to find out the
number of people who have joined as customers of Bank Syariah Indonesia,
especially since Bank Syariah Indonesia is still very new and public interest is still
very strong with conventional banks. This study seeks to test and analyze attitudes,
subjective norms, behavioral control, service quality, Islamic financial literacy, and
Islamic branding, which affect the interest of the millennial generation in using
savings products at Bank Syariah Indonesia, Bantul Branch. This study took a
sample of 240 respondents with data collection techniques by distributing
questionnaires through the Google form. This study was analyzed using the eviews
10 application. The results of statistical tests showed that the variables of attitude,
behavior control, service quality and Islamic branding had no effect on the intention
to save at the BSI Bantul branch. Meanwhile, the variables of subjective norms and
literacy of sharia norms show an influence on the interest in saving at the BSI Bantul
branch.NIM.: 20208012042 Lia Lestari2023-03-27T07:37:51Z2023-03-27T07:37:51Zhttp://digilib.uin-suka.ac.id/id/eprint/57387This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/573872023-03-27T07:37:51ZPENGARUH RISK PROFILE, GCG, EARNINGS, CAPITAL (RGEC) DAN STOCHASTIC FRONTIER ANALYSIS (SFA) TERHADAP KINERJA KEUANGAN
(Studi Kasus Bank Umum Syariah Periode 2017-2021)This quantitative research determine the financial performance of Islamic Commercial Banks using RGEC and SFA methods. Descriptive analysis explains secondary data which is processed with Eviews12 and Frontier 4.1c software. The sample consists of nine Islamic Commercial Banks counted five years from 2017 to 2021. The results explained that the average financial performance of Islamic Commercial Banks during the study period is in the HEALTHY category and is accompanied by fluctuating developments, but the bank is quite efficient in controlling costs. The variables that affect the financial performance of Islamic Commercial Banks according to the RGEC method are dominated by aspects of profitability, namely ROA, NI and BOPO, while according to the SFA method they include total assets and labor costs.NIM.: 18108040007 Inang Titis Awan2023-03-08T04:59:29Z2023-03-08T05:00:00Zhttp://digilib.uin-suka.ac.id/id/eprint/57002This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/570022023-03-08T04:59:29ZDasar Dasar Manajemen Risiko Bank SyariahManajemen risiko bank Syariah merupakan salah satu materi yang
perlu dikuasai bagi akademisi dan praktisi. Karena dengan materi inilah
para akademisi bisa mengetahui bagaimana secara praktis bank Syariah
mengelola risiko yang ada di industry perbankan Syariah. Sedangkan bagi
para praktisi, materi manajemen risiko merupakan sebuah guidance agar
bisa menerapkan prinsip prudential banking dalam aktifitas operasional
bank Syariah. Namun, seiring dengan perkembangan literatur tentang
perbankan Syariah, literatur tentang manajemen risiko bank Syariah
masih sangat sulit ditemukan di pasaran. Maka, dengan hadirnya
buku ini di tengah-tengah dahaga literatur tentang manajemen risiko
bank Syariah, buku ini bisa menjadi salah satu sumber rujukan guna
menambah ilmu dan wawasan tentang manajemen risiko bank Syariah.- Hasan Al-Banna2023-03-07T00:54:55Z2023-03-07T00:54:55Zhttp://digilib.uin-suka.ac.id/id/eprint/56666This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/566662023-03-07T00:54:55ZFAKTOR-FAKTOR YANG MEMENGARUHI MINAT MASYARAKAT MUSLIM MENGGUNAKAN QUICK RESPONSE CODE INDONESIAN STANDARD (QRIS) SEBAGAI ALAT PEMBAYARAN (STUDI KASUS PADA GENERASI MILENIAL DI KABUPATEN BANTUL)The development of information technology has now spread to the payment sector and has even adapted to the lifestyle of people who tend to want everything quickly, instantly, and efficiently so various payment methods appear that make it easier for users. The purpose of this study was to determine the relationship between perceived benefits, perceived convenience, attitudes towards use, perceptions, and beliefs about the intention to use QRIS as a payment technology for the Muslim millennial generation in Bantul Regency. This study uses TAM as the basic model. The population in this study is those who have never used QRIS to make payment transactions. Collecting respondents using a questionnaire with a Google form which was distributed to 200 respondents. The analysis technique used is the Structural Equation Model and Partial Least Square (SEM-PLS) using Smart PLS version 3 as an analytical tool. The results of this study indicate that perceived ease of use has a positive and significant effect on perceived usefulness. Perceived usefulness has a positive and significant effect on attitudes toward using. Perceived ease of use has a positive and significant effect on attitudes toward using. Attitude towards using has a positive and significant effect on the intention to use. Trust has a positive and significant effect on the intention to use. Meanwhile, perceived risk are negative and not significant toward intention to using QRIS.NIM.: 17108020037 Hilman Zidni2023-03-06T03:07:08Z2023-03-06T03:07:08Zhttp://digilib.uin-suka.ac.id/id/eprint/56913This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/569132023-03-06T03:07:08ZTINJAUAN HUKUM ISLAM TERHADAP PRODUK TABUNGAN EMAS DIGITAL DALAM FITUR E-MAS BANK SYARIAH INDONESIASaving and gold are the two most common investment in society. In general, people save their money in the bank and buy gold jewelery to invest. However, various financial instutions, both banks and non-banks, issued saving products that based on 24karat gold. Bank Syariah Indonesia is one of the banking institutions that has this product. Uniquely, in Bank Syariah Indonesia's gold savings product, all transactions in the product are carried out digitally. Sale and purchase transactions as the main contract in Bank Syariah Indonesia's digital gold savings product, are all carried out without any meeting between the bank and the customer, but only through the gold feature contained in the BSI Mobile application. Due to the uniqueness and novelty of the product and the contracts contained therein, the author feels that there is an urgency to conduct an Islamic legal review of the product.
The research method used is a qualitative method with descriptive research characteristics. The type of research used in this study is field research which is called empirical juridical research that examines the legal provisions that apply and what has happened in people's lives. Data collection techniques were carried out by means of observation, interviews and documentation. The formulation of the problem in this study is how to practice digital gold savings products in the gold feature of Bank Syariah Indonesia, and how to review Islamic law on digital gold savings products in the gold feature of Bank Syariah Indonesia.
Based on the research results, the practice of buying and selling carried out in digital gold savings products is buying and selling in cash, which can be done in two directions between the bank and the customer. The validity of a contract is the fulfillment of the pillars and conditions of the contract. In the practice of buying and selling, there is a defect in fulfilling the objective conditions of the contract, where the object of the contract, namely gold, is unclear and is not handed over to the customer when the sale and purchase contract takes place. This indicates that there is garar, because the sale and purchase that is carried out can be the sale and purchase of ma'dum which according to Islamic law is invalid. Furthermore, the same defect occurs in the implementation of the wadiah contract where the object for safekeeping is not handed over. Because the sale and purchase contract and the wadiah contract in digital gold savings are two related contracts, when the previous sale and purchase transaction is declared invalid and null and void, the wadiah contract cannot work.NIM.: 18103080041 Wanda Yulisa2023-03-06T02:21:13Z2023-03-06T02:21:13Zhttp://digilib.uin-suka.ac.id/id/eprint/56905This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/569052023-03-06T02:21:13ZPENGARUH WORK LIFE BALANCE, MOTIVASI KERJA, DAN
KOMPENSASI TERHADAP LOYALITAS KERJA
KARYAWAN ( STUDI KASUS BANK PERKREDITAN RAKYAT SYARIAH BANGUN DRAJAT WARGA )Penelitian ini menggunakan pendekatan kuantitatif. Penelitian ini dilakukan dengan tujuan untuk mengetahui pengaruh work life balance, motivasi kerja dan kompensasi terhadap loyalitas karyawan BPRS Bangun Drajat Warga. Menggunakan 40 karyawan sebagai responden dengan metode purposive sampling. Responden yang diambil memiliki kriteria minimal sudah bekerja 1 tahun. Penelitian ini menggunakan data primer yang didapat melalui penyebaran kuesioner dan wawancara. Data diolah menggunakan SPSS versi 25. Hasil penelitian ini menunjukan bahwa work life balance berpengaruh positif dan signifikan terhadap loyalitas karyawan. Motivasi kerja berpengaruh positif dan signifikan terhadap loyalitas karyawan. Kompensasi berpengaruh positif dan signifikan terhadap loyalitas karyawan. Serta work life balance, motivasi kerja dan kompensasi berpengaruh secara bersama-sama (simultan) terhadap loyalitas karyawan.NIM.: 18108020110 Rizki Deni Saputra2023-03-06T01:18:53Z2023-03-06T01:18:53Zhttp://digilib.uin-suka.ac.id/id/eprint/56659This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/566592023-03-06T01:18:53ZPENGARUH INTENSITAS PENGGUNAAN SMARTPHONE, DAN CYBERLOAFING TERHADAP KINERJA KARYAWAN DENGAN KONTROL DIRI SEBAGAI VARIABEL MODERATOR (STUDI KASUS PADA BANK ACEH)Rapid and advanced technological developments continue to create sophisticated, efficient, and high-tech tools and equipment to support human needs such as smartphones. Smartphones usage that are practical and easy to carry everywhere influences changes in user behavior, one example of smartphone abuse is cyberloafing behavior. The high use of smartphones and cyberloafing behavior in the workplace has an impact on employee performance in an agency. This study aims to determine how the influence of the intensity of smartphone use and cyberloafing on employee performance by using self-control as a moderating variable. The population and sample in this study were employees of the Bank Aceh. This study aims to determine whether one variable can affect other variables and whether the moderating variable can affect the relationship between the independent variables and the dependent variable. The sample in this study amounted to 33 respondents with data collection techniques using a questionnaire. The analytical method used is validity test, reliability test, classical assumption test, multiple linear regression analysis, and Moderated Regression Analysis (MRA) test using SPSS 25.
Results of this study indicate that the intensity of smartphone use has a negative effect on employee performance and self-control has a positive effect on employee performance, and self-control can weaken the intensity of smartphone use on employee performance. Cyberloafing does not affect employee performance, while self-control is not able to weaken cyberloafing on the performance of Bank Aceh employees.NIM.: 16820073 Munawar Maskurian2023-02-28T02:04:49Z2023-02-28T02:05:47Zhttp://digilib.uin-suka.ac.id/id/eprint/56687This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/566872023-02-28T02:04:49ZANALISIS PEMETAAN PENELITIAN CENTRAL BANK DIGITAL CURRENCY (CBDC): PENDEKATAN METODE BIBLIOMETRIK PERIODE 2012 – 2022This research aims to analyze the mapping of central bank digital currency (CBDC) research for the period 2012 to 2022. The data used is secondary data, obtained from the Scopus database and accessed on January 20, 2023. This research is a quantitative descriptive research and data analysis using a five-step approach to bibliometric methods, namely defining search keywords, initial search results, narrowing results, compiling data statistics, and data analysis. The data is analyzed by using VOSviewer software. There are three visualizations in VOSviewer, namely network map visualization, overlay, and density. The scopus database is the only source used in this study so the analysis is not as extensive as if it used many databasesNIM.: 19108010037 Maili Launa Tayiba2023-02-27T09:01:54Z2023-02-27T09:01:54Zhttp://digilib.uin-suka.ac.id/id/eprint/56668This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/566682023-02-27T09:01:54ZJAMINAN DALAM PEMBIAYAAN MUSYARAKAH PADA BANK
SYARIAH INDONESIA KCP BENER MERIAH PONDOK BARU 2 SIMPANG TIGA, KECAMATAN BUKIT, KABUPATEN BENER MERIAH, PROVINSI ACEHThis thesis examines guarantees in musharakah financing at Bank Syariah Indonesia KCP Bener Meriah Pondok Baru 2 Simpang Tiga, Bukit District, Bener Meriah Regency, Aceh Province. Guarantees on musharakah financing are very important. As in fatwa No.08/DSN-MUI/IV/2000 on musharakah financing, in principle in musharakah financing there is no guarantee, however, to avoid deviations Islamic Financial Institutions can ask for guarantees. Musharakah financing should not require guarantees because musharakah financing is a form of cooperation between banks and customers to do business based on trust. Conventional banks also require guarantees, however, of course, the function of guarantees in Islamic banks is different because Islamic banks in carrying out their operations are based on Islamic law. The formulation of the problem in this study is how the function of guarantees in musharakah financing and how Islamic law reviews guarantees in musharakah financing at BSI KCP Bener Meriah Pondok Baru 2 Simpang Tiga, Bukit District, Bener Meriah Regency, Aceh Province.
This type of research is qualitative research with a case study approach. The research method uses field research with an empirical juridical approach. The method of collecting constituent data uses the method of interviews and questionnaires. This research will focus on the function of guarantees and islamic law review of guarantees in musharakah financing.
The results showed that the collateral function in musharakah financing at Bank Syariah Indonesia KCP Bener Meriah Pondok Baru 2 Simpang Tiga, Bukit District, Bener Meriah Regency, Aceh Province is a principle of bank prudence based on applicable regulations, to avoid losses or deviations. The inclusion of the guarantee proves that the customer can be trusted and shows the customer's responsibility to do his business seriously. According to the review of Islamic law, guarantees in the financing of musharakah are allowed because they aim to maintain trust for each party concerned.NIM.: 20203011075 Fitri Hindari2023-02-21T02:33:52Z2023-02-21T02:33:52Zhttp://digilib.uin-suka.ac.id/id/eprint/56418This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/564182023-02-21T02:33:52ZIMPLEMENTASI PERJANJIAN KREDIT KARENA WANPRESTASI
OLEH DEBITUR PADA MASA PANDEMI COVID-19
(Studi Pada PT BPR BKK Kebumen Cabang Karanganyar)The Covid-19 pandemic has had an impact on credit agreements in banking.
The debtors experience difficulties in terms of carrying out their achievements
against their obligations in accordance with what has been agreed in the credit
agreement. This is due to the Covid pandemic which hampers the pace of the
economy in the community so that debtors can default on credit agreements. This
study aims to determine the settlement of default on credit agreements during the
Covid-19 pandemic and the obstacles.
This type of research is a field research conducted at the office of PT. BPR
BKK Kebumen Karanganyar Branch. This study uses a research approach that is
empirical juridical. The data used are primary data obtained by conducting
observations and interviews, as well as secondary data in the form of library
research. Analysis of the data used with descriptive qualitative method, namely
drawing conclusions deductively.
The results obtained that the settlement of default on credit agreements
during the Covid-19 pandemic is carried out by credit relaxation based on Financial
Services Authority Regulation (POJK) Number 11 of 2020 concerning Economic
Stimulus for the Impact of Covid-19 which regulates the granting of relief to debtors
affected by the pandemic. Covid-19. The relief provided by credit restructuring is
in the form of delaying the payment of principal installments for six months and
during this period the debtor only pays the interest. However, there are still some
obstacles, namely the lack of cooperative attitude of the debtor and the debtor who
avoids the bank because of ignorance about the granting of the relief so that it is
difficult to negotiate.NIM.: 18103040041 Saefulloh Tri Anggoro2023-02-15T01:44:17Z2023-02-15T01:44:17Zhttp://digilib.uin-suka.ac.id/id/eprint/56242This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/562422023-02-15T01:44:17ZBunga Bank dalam Perspektif Ushul Fiqh-- M. Yazid Afandi2023-02-15T01:03:18Z2023-02-15T01:03:18Zhttp://digilib.uin-suka.ac.id/id/eprint/56241This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/562412023-02-15T01:03:18ZMendialogkan Konsep Ideal BMT dan Realitas Masyarakat-- M. Yazid Afandi2023-02-13T01:17:11Z2023-02-13T01:17:11Zhttp://digilib.uin-suka.ac.id/id/eprint/56105This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/561052023-02-13T01:17:11ZANALISIS FAKTOR FAKTOR YANG MEMPENGARUHI
KURANGNYA MINAT MAHASISWA MENABUNG PADA BANK
SYARIAH
(STUDI KASUS MAHASISWA FAKULTAS SYARIAH DAN HUKUM
UIN SUNAN KALIJAGA)This study aimed to examine the effect of budget participation,individual capacity,
and budget clarity on the budgetary slack of the villages in Kebumen District.
The study is a quantitative study. The source of data used was primary data.
The data analysis model used in this study was Multiple Linear Regression
Analysis. The sampling technique applied was purposive sampling. The
sample in this study were 60 respondents. Data were collected by distributing
questionnaires directly to the respondents. The results of the analysis showed
that (1) Knowledge has a positive and significant effect on the lack of interest
in saving in Islamic banks, (2) Location not on the lack of interest in saving
in Islamic banks, (3) products have a positive and significant effect on the
lack of interest in saving in Islamic banks. The concluded of study showed
that budgetary slack is influenced by variable budget participation and
budget clarity. The conclusions of the study show that the lack of interest in
saving in Islamic banks is influenced by knowledge and product variables.NIM.: 15380092 Akhmad Fathul Wahab2023-02-07T01:29:59Z2023-02-07T01:29:59Zhttp://digilib.uin-suka.ac.id/id/eprint/55888This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/558882023-02-07T01:29:59ZPENGARUH PENERAPAN MANAJEMEN RISIKO PERSPEKTIF
CONTOL RISK DAN AUDIT INTERNAL TERHADAP KEBIJAKAN
PEMBERIAN REDIT DI BANK BPD DIY SYARIAH 2021Penelitian ini bertujuan untuk menguji pengaruh penerapan manajemen
risiko dan audit internal terhadap kebijak pemberian kredit. Pada penelitian ini
digunakan data primer dalam bentuk penyebarang kuesioner yang dilakukan di
Bank BPD DIY Syariah dengan responden seluruh karyawan Bank BPD DIY
Syariah kecuali petugas bagian keamanan (satpam) dan petugas kebersihan.
Penentuan sampel dilakukan dengan menggunakan metode simple random
sampling. Kuesioner yang disebarkan berjumlah 50 kuesioner tetapi yang kembali
hanya 43 dan data yang diolah yaitu 86%. Penganalisisan data untuk pengujian
hipotesis dilakukan dengan analisis regresi linear berganda. Hasil penelitian ini
mengindikasikan bahwa penerapan manajemen risiko dan audit internal
mempunyai pengaruh signifikan terhadap kebijakan pemberian kredit dengan nilai
F hitung > F tabel yaitu 5,400 > 3,23 atau lebih kecil dari nilai probailitas
signifikansi (p-value) yaitu 0,008 < 0,05.NIM.: 18102040111 Sri Yulia Anjani2023-02-03T01:35:53Z2023-02-03T01:35:53Zhttp://digilib.uin-suka.ac.id/id/eprint/55811This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/558112023-02-03T01:35:53ZPENGARUH PERSEPSI RISIKO, MANFAAT, DAN KEMUDAHAN TERHADAP MINAT MENGGUNAKAN BANK DIGITAL DI MASA PANDEMI COVID-19
(Studi Kasus Pada Generasi Z di Daerah Istimewa Yogyakarta)This study aims to determine the interest in using Digital Bank based on the Technology Acceptance Model (TAM) theory. The method used in this study is a quantitative method. The population in this study is the Z-generation in the Special Region of Yogyakarta. The hypothesis testing used in this study is the Structural Equation Modeling (SEM) method using the SmartPLS 3.0 application. The number of samples used in this study were 75 respondents using purposive sampling method. The data collection technique is done by distributing questionnaires. The results showed that perceived usefulness has a positive and significant effect on the intention to use digital banks. Meanwhile, perceived risk and perceived ease of use does not affect the intention to use digital banks.NIM.: 18108020062 Julian Rizky Umari2023-02-02T06:38:11Z2023-02-02T06:38:11Zhttp://digilib.uin-suka.ac.id/id/eprint/55798This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/557982023-02-02T06:38:11ZANALISIS EMPIRIS SWITCHING INTENTION NASABAH BANK SYARIAH
(Studi Digital Banking Aladin Syariah)Financial technology terus dikembangkan dan juga terus
dimutakhirkan untuk mendukung kegiatan bisnis perbankan yang
memungkinkan nasabah melakukan transaksi cashless dengan
menggunakan digital banking. Salah satunya adalah Bank Aladin Syariah
yang merupakan bank syariah pertama yang yang hadir secara digital di
Indonesia. Bank Aladin Syariah bertujuan mengembangkan dan
mempermudah akses fasilitas perbankan syariah dengan berbasis digital
sehingga mampu memfasilitasi semua masyarakat dari berbagai penjuru.
Penelitian ini kemudian bertujuan untuk menganalisis Switching Intention
nasabah bank digital syariah. Peneliti menggunakan pendekatan kuantitatif
dengan menggunakan purposive sampling dan Smart PLS sebagai alat
analisis terhadap 118 orang responden. Hasil dari penelitian ini
menunjukkan kualitas (X1) dan daya tarik alternatif (X4) berpengaruh
terhadap switching intention(Y), kepuasan (X2) dan kepercayaan (X3)
tidak berpengaruh terhadap switching intention (Y). Kemudian switching
cost (M) tidak dapat memoderasi kualitas (X1), kepercayaan (X3) dan
daya tarik alternatif (X4) terhadap switching intention (Y). Switching cost
(M) dapat memoderasi kepuasan (X2) terhadap switching intention.NIM.: 18108020071 Fadyatul Afra2023-02-02T05:18:59Z2023-02-02T05:18:59Zhttp://digilib.uin-suka.ac.id/id/eprint/55797This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/557972023-02-02T05:18:59ZPENGARUH PERIKLANAN, PERSONAL SELLING, DAN PEMASARAN LANGSUNG TERHADAP KEPUTUSAN MASYARAKAT MENJADI NASABAH DI BANK SYARIAH INDONESIA
(Studi Kasus Nasabah Bank Syariah Indonesia KC Pati Sudirman 1)This study aims to determine how the influence of advertising, personal selling, and direct marketing variables on people's decisions to become customers at Bank Syariah Indonesia KC Pati Sudirman 1. The types of data in this research are primary data and secondary data. The population in this study were all customers of Bank Syariah Indonesia KC Pati Sudirman 1. Sampling was done by purposive sampling method and the number of samples used was 40 people/respondents. The data analysis technique used is multiple linear regression using SPSS version 23.0 as an analytical tool. The results in this study state that partially advertising, personal selling, and direct marketing variables have a positive and significant impact on people's decisions to become customers at Bank Syariah Indonesia KC Pati Sudirman 1.NIM.: 18108020091 Risqi Yulianto2023-02-02T05:14:42Z2023-02-02T05:14:42Zhttp://digilib.uin-suka.ac.id/id/eprint/55796This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/557962023-02-02T05:14:42ZPENGARUH DUKUNGAN SOSIAL, MOTIVASI KERJA, DAN KECERDASAN EMOSIONAL TERHADAP KEPUASAN KERJA KARYAWAN
(STUDI KASUS BPRS AL MABRUR KLATEN )Job satisfaction is a positive statement from workers in their contribution to achieving organizational goals which is influenced by several factors. This research was conducted to find out how the influence of social support, work motivation, and emotional intelligence on employee job satisfaction at PT BPRS Al Mabrur Klaten. Samples were taken using a purposive sampling method with the criteria of BPRS Al Mabrur employees who had worked at PT BPRS Al Mabrur for at least 1 year and were not outsourced employees. Respondents who collected a number of 31 people. Data were processed using SPSS software version 23. The results showed that social support had a positive and significant effect on employee job satisfaction. Work motivation has a positive and significant effect on employee job satisfaction. Emotional intelligence has a positive and significant effect on employee job satisfaction. As well as social support, work motivation, and emotional intelligence simultaneously have a positive and significant impact on employee job satisfaction.NIM.: 18108020108 Lutfiana Rahmawati Iskandar2023-02-01T08:08:41Z2023-02-01T08:08:41Zhttp://digilib.uin-suka.ac.id/id/eprint/55774This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/557742023-02-01T08:08:41ZPENGARUH PEMBIAYAAN MURABAHAH, INFLASI, RISK PROFILE DAN CAPITAL TERHADAP KINERJA KEUANGAN BANK UMUM SYARIAH DI INDONESIA
(Studi Kasus Pada Bank Umum Syariah di Indonesia Periode 2016-2021)Unstable financial performance is a problem even though the quantity of Islamic commercial banks has grown rapidly. The condition of financial performance is an important factor for the future prospects of Islamic commercial banks. This study aims to determine other factors that have the potential to have an influence on the financial performance of Islamic commercial banks. The selection of the sample using the purposive sampling method resulted in 9 banks being selected from the 14 population of Islamic commercial banks in Indonesia during the 2016-2021 period. Data obtained from secondary data, namely quarterly financial report data and inflation data. The data analysis technique used is panel data regression with the Eviews data processing tool. The results showed that murabahah and capital financing (CAR) had a positive and significant effect on financial performance (ROA), risk profile (NPF) had a negative and significant effect on financial performance (ROA), but inflation had no effect on financial performance (ROA).NIM.: 18108040054 Ahmad Nasirudin2023-02-01T07:19:40Z2023-02-01T07:19:40Zhttp://digilib.uin-suka.ac.id/id/eprint/55767This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/557672023-02-01T07:19:40ZDETERMINASI LOYALITAS NASABAH BANK
SYARIAH INDONESIA DIMEDIASI OLEH VARIABEL
KEPUASANPenelitian ini bertujuan untuk mengetahui pengaruh relationship marketing, service
convenience, product performance dan prsepsi biaya terhadap customer loyalty
Bank Syariah Indonesia dengan customer satisfaction sebagai variabel intervening.
Penelitian ini merupakan penelitian kuantitatif. Sampel dalam penelitian ini adalah
nasabah Bank Syariah Indonesia di seluruh Indonesia. Teknik pengumpulan sampel
menggunakan purposive sampling dengan jumlah sampel sebanyak 200 sampel.
Teknik analisis data dalam penelitian ini menggunakan Partial Least Square (PLS)
yang merupakan salah satu metode persamaan statistik dari Structural Equation
Model (SEM). Hasil penelitian ini menunjukkan relationship marketing, dan
service convenience secara langsung tidak berpengaruh terhadap customer loyalty
BSI, namun product performance dan prsepsi biaya berpengaruh signifikan
terhadap customer loyalty BSI, sementara itu relationship marketing, service
convenience, product performance dan prsepsi biaya berpengaruh positif dan
signifikan terhadap customer satisfaction BSI. Kemudian variabel customer
satisfaction terbukti tidak berpengaruh signifikan terhadap customer loyalty,
sehingga hal ini yang menjadikan bahwasanya kepuasan tidak selamanya dapat
memediasi terhadap loyalitas.NIM.: 20208011038 Nadia Ulfa2023-02-01T05:26:32Z2023-02-01T05:26:32Zhttp://digilib.uin-suka.ac.id/id/eprint/55752This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/557522023-02-01T05:26:32ZDETERMINAN NIAT MENGGUNAKAN QUICK RESPONSE CODE INDONESIAN STANDARD (BSI QRIS) : PENGEMBANGAN
UNIFIED THEORY OF ACCEPTANCE AND USE OF
TECHNOLOGY 2 (UTAUT2)Tujuan utama dari penelitian ini adalah untuk menganalisis dan memprediksi determinan niat perilaku dan perilaku penggunaan BSI QRIS. Penelitian ini melakukan pengembangan Unified theory of acceptance and use of technology 2 (UTAUT2) yaitu menambahkan konstruk efikasi diri dan kepercayaan ke dalam model UTAUT2 dengan tujuan memprediksi pengaruh kepercayaan memperkuat atau memperlemah efikasi terhadap niat menggunakan BSI QRIS. Penelitian ini menggunakan 204 nasabah pengguna BSI mobile banking diseluruh indonesia sebagai sampel. penelitian ini menggunakan pendekatan kuantitatif dengan SEM (Structural Equation Model) sebagai model analisisnya, software yang digunakan yaitu SmartPLS versi 3.0. Hasil penelitian ini menunjukkan bahwa harapan kinerja dan kebiasaan berpengaruh positif dan signifikan terhadap niat menggunakan BSI QRIS. Sedangkan harapan usaha, pengaruh sosial, kondisi yang memfasilitasi, motivasi hedonik, nilai harga, dan efikasi diri tidak berpengaruh terhadap niat menggunakan BSI QRIS. Kepercayaan tidak dapat memperkuat pengaruh efikasi diri terhadap niat menggunakan BSI QRIS. Pada pengaruh niat menggunakan memiliki pengaruh positif dan signifikan terhadap perilaku penggunaan. Hasil temuan penelitian ini diharapkan dapat memberikan kontribusi dalam memprediksi model perilaku konsumen yang lebih detail dalam perspektif islam, khususnya pada konteks niat menggunakan terhadap perilaku penggunaan BSI QRIS.NIM.: 20208012016 Annessa Fadhillah2023-02-01T05:22:09Z2023-02-01T05:22:09Zhttp://digilib.uin-suka.ac.id/id/eprint/55751This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/557512023-02-01T05:22:09ZANALISIS KEPUTUSAN MENGGUNAKAN BSI MOBILE BANKINGThis study aims to identify consumer behavior on the interests and decisions of BSI mobile banking users with an attitude as an intervening. This study uses a quantitative descriptive method. The sampling technique used was a purposive sampling technique with a sample size of 250 respondents. The data analysis technique used is Structural Equation Modeling Partial Least Square (SEM-PLS). The results of this study indicate that perceived usefulness does not affect attitudes to using BSI mobile banking, perceptions of ease of use affect attitudes to using BSI mobile banking, perceptions of risk do not affect attitudes to using BSI mobile banking, service features affect attitudes to using BSI mobile banking, perceptions of usefulness affect interest in using BSI mobile banking, perceived ease of use affect interest in using BSI mobile banking, risk perception affect interest in using BSI mobile banking, service features do not affect interest in using BSI mobile banking, attitudes have no effect on interest in using BSI mobile banking. Perceived usability, perceived ease of use, perceived risk, and service features through attitudes have no effect on interest in using BSI mobile banking, interest affects decisions of BSI mobile banking users.NIM.: 20208012026 Faizatul Haniyah2023-02-01T04:32:28Z2023-02-01T04:32:28Zhttp://digilib.uin-suka.ac.id/id/eprint/55749This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/557492023-02-01T04:32:28ZPENGARUH MUTU PELAYANAN, PROMOSI DAN ETIKA PEMASARAN PERBANKAN SYARIAH TERHADAP KEPUTUSAN BERTRANSAKSI OLEH NASABAH FLOATING CUSTOMERS (STUDI KASUS PADA NASABAH BSI DI KOTA PROBOLINGGO JAWA TIMUR)The development of Islamic banking in Indonesia is currently experiencing a significant increase, this is indicated by a significant increase in customer decisions to finance in Islamic banking. However, despite the high increase in customer numbers, customer loyalty to Islamic banking is still quite low. Therefore, this study will discuss several variables related to the formation of decisions in transactions. This study aims to identify the effect of service quality, promotion and marketing ethics of Islamic banking on transaction decisions by floating customers. This study uses a quantitative descriptive method. The sample in this study were BSI customers in Probolinggo City, East Java. The sampling technique used was purposive sampling technique with a total sample of 154 samples. The data analysis technique used is Structural Equation Modeling and Partial Least Square (SEM-PLS) with analysis tools using Smart-PLS 4.0. The results of this study indicate that service quality has no effect on transaction decisions of floating customers, promotion has a significant positive effect on transaction decisions of floating customers, ethics has a significant positive effect on transaction decisions of floating customers.NIM.: 20208012032 Sholehatul Inayah2023-01-27T07:46:45Z2023-01-27T07:46:45Zhttp://digilib.uin-suka.ac.id/id/eprint/55712This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/557122023-01-27T07:46:45ZPENGARUH FOREIGN DIRECT INVESTMENT (FDI), GROSS DOMESTIC PRODUCT (GDP), PEMBIAYAAN BANK SYARIAH TERHADAP PENGANGGURAN DI INDONESIA PENDEKATAN MODEL ERROR CORRECTION MODEL (ECM)Pengangguran merupakan salah satu pembahasan yang penting, karena pengangguran adalah sumber masalah dari Sebagian besar masalah perekonomian di suatu negara. Dampak yang dihasilkan oleh masalah pengangguran juga sangat luas bahkan bisa menjadikan kemiskinan. Pemerintah sendiri selalu mencari cara untuk mengatasi masalah pengangguran baik dengan mencari suntikan modal dari luar negeri atau pembiayaan-pembiayaan yang diberikan kepada masyarakat melalui Lembaga Keuangan agar bisa terciptanya lapangan pekerjaan baru bagi masyarakat. Penelitian ini bertujuan untuk mengetahui pengaruh dari Foreign Direct Investment, Gross Domestic Product, dan Pembiayaan Bank Syariah terhadap Jumlah pengangguran di Indonesia tahun 2006-2020. Jenis penelitian ini adalah penelitian kuantitatif dengan Janis data berupa time series. Sampel atau data diperoleh dari website resmi seperti Otoritas Jasa Keuangan (OJK), World Bank, Badan Koordinasi Penanaman Modal (BKPM), dan Badan Pusat Statistik (BPS) Pusat. Analisis yang digunakan yaitu Error Correction Model (ECM), dan uji Asumsi Klasik. Diolah dengan menggunakan bantuan EViews 10. Dari penelitian tersebut diperolah hasil bahwa variabel Foreign Direct Investment (X1) berpengaruh negatif signifikan pada jangka panjang dan tidak berpengaruh pada jangka pendek terhadap jumlah pengangguran di Indonesia. Variabel Gross Domestic Bruoto (X2) berpengaruh negatif signifikan dalam jangka panjang dan jangka pendek terhadap jumlah pengangguran di Indonesia. Sedangkan variabel Pembiayaan Bank Syariah (X3) berpengaruh positif signifikan dalam jangka panjang dan tidak berpengaruh dalam jangka pendek terhadap jumlah pengangguran di Indonesia.NIM.: 18108010052 Hasim Asngari2023-01-26T07:44:20Z2023-01-26T07:44:20Zhttp://digilib.uin-suka.ac.id/id/eprint/55697This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/556972023-01-26T07:44:20ZANALYSIS THE EFFECT OF ISLAMIC BANK FINANCING ON THE HUMAN DEVELOPMENT INDEX
(a Case Study of 15 Cities on Java Island in 2015-2021)The Human Development Index (IPM) measures how people can access development results in obtaining income, health, and education. This study aimed to determine whether Islamic bank financing, poverty, and Gross Regional Domestic Product (GRDP) have a relationship and influence the Human Development Index in 15 cities in Java Island for 2015-2021. The quantitative approach uses secondary data from the Financial Services Authority (OJK) for Islamic bank financing data. In contrast, Poverty and GRDP data from the Central Bureau of Statistics (BPS). The data used in this study is annual data from 2015 to 2021. The estimation method used is panel data regression with the Random Effects model. The study results show that the Islamic bank financing variable has a significant positive effect on HDI. Meanwhile, the Poverty and GRDP variables significantly and negatively affect the Human Development Index. Simultaneously, the variables of Islamic bank financing, poverty, and GRDP affect the Human Development Index.NIM.: 18108010019 Hanifa Salsabila2023-01-26T03:40:18Z2023-01-26T03:40:18Zhttp://digilib.uin-suka.ac.id/id/eprint/55693This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/556932023-01-26T03:40:18ZPENGARUH KOMPENSASI, RELIGIUSITAS DAN MOTIVASI KERJA TERHADAP KINERJA KARYAWAN (STUDI KASUS BANK SYARIAH INDONESIA KOTA SUKABUMI)This study aims to determine the effect of compensation, religiosity, and work motivation variables on employee performance. The data from this study were taken through a questionnaire distributed to employees of the BSI bank (Ex. BRI Syariah Bank) in Sukabumi City. The data obtained were then processed using multiple regression techniques with the IBM SPSS veris 25 application. The results of this study indicate that linear compensation variables, religiosity variables, and work motivation variables have a positive and significant effect on employee performance variables with employees of Bank BSI (Ex. BRI Bank). Sharia) in Sukabumi City.NIM.: 17108020005 Denis Khoirul Akbar2023-01-26T03:16:09Z2023-01-26T03:16:09Zhttp://digilib.uin-suka.ac.id/id/eprint/55689This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/556892023-01-26T03:16:09ZPENGARUH KUALITAS PELAYANAN TERHADAP LOYALITAS
NASABAH DENGAN KEPUASAN MENJADI VARIABEL INTERVENING
(STUDY BPRS BAROKAH DANA SEJAHTERA YOGYAKARTA)This study aims to determine the effect of service quality on customer loyalty
mediated by satisfaction. The object of this research is the customer of Bank BDS
Yogyakarta which according to the solvin formula only requires 100 people for the
sample. This study uses path analysis and Sobel analysis to measure it. The results
show that service quality has no significant positive effect on loyalty and
satisfaction cannot mediate between service quality and customer loyalty.NIM.: 15820124 Ahmeda Aulia Nurseta2023-01-19T08:34:26Z2023-01-19T08:34:26Zhttp://digilib.uin-suka.ac.id/id/eprint/55613This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/556132023-01-19T08:34:26ZGRIT TERHADAP KETERLIBATAN KERJA PADA KARYAWAN BANK SYARIAH INDONESIA (BSI) DENGAN MODERATOR DUKUNGAN SOSIALDue to changes in bank mergers, Bank Syariah Indonesia has challenges in strengthening Human Resources (HR) and strengthening digital technology, so employees need to be proactive, passionate, enthusiastic, and having work engagement. This study aimed to determine the relationship between grit and work engagement of Bank Syariah Indonesia employees moderated by social support. The subjects of this study amounted to 340 employees of Bank Syariah Indonesia spread throughout Indonesia. This study was using quantitative methods with a sampling technique that is accidental sampling. Research data collection was carried out using the grit scale and work engagement scale. Data analysis in this study used simple regression analysis technique and moderated regression analysis technique with absolute difference test method and subgroup analysis. The results of this study showed that there was positive relationship between grit and work engagement moderated by social support with a significance level of absolute difference variable of 0.000 (p <0.05) and there was strong correlation between grit and work engagement of a group whose get social support from family and coworkers.NIM.: 17107010075 Rara Annisa Cahayani2023-01-12T02:01:47Z2023-01-12T02:01:47Zhttp://digilib.uin-suka.ac.id/id/eprint/55542This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/555422023-01-12T02:01:47ZNexus of Risk And Stability in Islamic Banks During The Pandemic Evidence From IndonesiaThis paper analyzes the effect of liquidity risk and credit risk on Islamic bank stability
and whether the risk-stability nexus changes during the Covid-19 pandemic. Using a
panel quarterly dataset of 14 Islamic banks from 2017 to 2020, a total of 224 quarterlybank
observations in total and the system generalized method of moment, we find that
credit risk and liquidity risk are negatively associated with bank stability. Moreover, the
COVID-19 does not alter the negative relationship between liquidity risk and stability.
To validate the results, we also estimate the model using the LSDVC. The LSDVC
results remain consistent. These results provide new insight into understanding risk
management implementation for minimizing these risks.- Sunarsih- Rizqi Umar Al Hashfi- U’um Munawaroh- Endang Suhari2022-12-22T11:53:10Z2022-12-22T11:59:56Zhttp://digilib.uin-suka.ac.id/id/eprint/55461This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/554612022-12-22T11:53:10ZAnalisis Perbandingan Kinerja Keuangan Antara Pt. Bank Central Asia Tbk Dengan Pt. Wahana Ottomitra Multiartha Finance Tbk Periode 2011-2021The puprose of this study is to determine the financial performance of PT. Bank Central Asia Tbk. and PT. Wahana Ottomitra Multiartha Finance Tbk. Research is useful for the company as input on financial statements in terms of assessing the company’s performance to make decisions in the future. This research is also useful for researchers to know the importance of financial statements to evaluate performance. This research uses quantitative methods. The data source used is is accessed through the www.idx.co.id website as the official website of Indonesia Stock Exchange. The data type used is secondary data from PT. Bank Central Asia Tbk. and PT. Wahana Ottomitra Multiartha Finance Tbk. in the form of financial report data and annual reports that have been published from 2011 to 2021. The research period was conducted during November 2022. The analytical techniques used are liquidity ratios, solvency, and profitability. Based on the analysis of financial performance measured in the form of LDR, LAR, PR, ROA, and ROE, it can be seen that PT. Bank Central Asia Tbk. is in better condition than PT. Wahana Ottomitra Multiartha Finance Tbk. The management of the two companies should maintain their financial performance even though it is still said to be good.- Diyah Khoirunnisa- Intani Puteri Syarifah- Luthfi Isnaini Afifah- Darmawan- Achmad Jufri2022-11-21T01:17:17Z2022-11-21T01:17:17Zhttp://digilib.uin-suka.ac.id/id/eprint/55157This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/551572022-11-21T01:17:17ZPERBANDINGAN FUNGSI INTERMEDIASI BANK UMUM SYARIAH, BANK UMUM KONVENSIONAL DAN UNIT USAHA SYARIAHPenilaian terhadap fungsi intermediasi suatu bank dapat dilihat dengan melakukan analisis terhadap laporan keuangannya. Laporan keuangan dari informasi neraca dapat menjelaskan likuiditas bank dan keadaan fungsi intermediasi yang berjalan di suatu bank. Fungsi intermediasi menjadi sangat penting karena mempengaruhi pertumbuhan ekonomi, dimana suatu bank menyalurkan kembali dana nasabah yang tersimpan dalam bentuk pembiayaan ataupun kredit. Penelitian ini menggunakan rasio likuiditas yang diproksikan dengan Loan to Deposit Ratio/Financing to Deposi Ratio.
Populasi penelitian ini adalah bank yang masuk dalam Paket Kebijakan Oktober (PAKTO) 2006 Bank Indonesia. Bank yang masuk dalam kebijakan tersebut dikelompokkan menjadi 3 (tiga) kelompok, yaitu Bank Umum Syariah, Bank Umum Konvensional dan Unit Usaha Syariah. Untuk kelompok Bank Umum Syariah terdapat 3 (tiga) bank, sedangkan untuk Bank Umum Konvensional terdapat 5 (lima) bank, dan untuk Unit Usaha Syariah terdapat 2 (dua) bank. Data yang digunakan berasal dari laporan keuangan yang dipublikasikan melalui website masing-masing bank dan melalui data sekunder dari www.bi.go.id, dengan menghitung variabel-variabel yang digunakan. Teknik analisis yang digunakan dalam penelitian ini adalah uji Analysis of variance (Anova). Analysis of variance adalah metode untuk menguji hubungan antar satu variabel dependen (metrik) dengan satu atau lebih variabel indepeden (non metrik atau kategorikal). Analysis of variance digunakan untuk mengetahui pengaruh utama dan pengaruh interaksi dari variabel independen kategorikal terhadap variabel dependen metrik.
Loan to Deposit Ratio/Financing to Deposit Ratio adalah rasio likuiditas untuk mengukur fungsi intermediasi suatu bank. Hasil analisis menunjukkan bahwa tidak ada perbedaan fungsi intermediasi antara Bank Umum Syariah, Bank Umum Konvensional dan Unit Usaha Syariah. Ketiga kelompok bank tersebut memiliki fungsi intermediasi yang baik dengan menunjukkan hasil yang sama.NIM.: 07390101 Nur Aini2022-11-02T02:35:12Z2022-11-02T02:35:12Zhttp://digilib.uin-suka.ac.id/id/eprint/54721This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/547212022-11-02T02:35:12ZTINJAUAN PRINSIP SYARIAH TERHADAP PELAKSANAAN
PEMBIAYAAN MUDHARABAH
(STUDI KASUS PADA BANK SYARIAH INDONESIA KC
YOGYAKARTA)Bank Syariah Indonesia is a Bank Syariah resulting from the merger of
three Syariah banks belonging to BUMN. Bank Syariah Indonesia is currently one
of the largest Syariah Banks in Indonesia. One of the financing products available
at BSI is financing with a mudarabah contract. Mudarabah financing has a
strategic position in building the community's economy, with a profit-sharing
system. The customer has full responsibility for the funds that have been given to
be managed in the form of a productive business. Islamic banks are responsible
for fostering and supervising the implementation of mudarabah financing.
However, in practice there are still problems that occur in the implementation of
mudarabah financing, especially in the aspect of implementing sharia principles,
which have been regulated in sharia provisions. Problems in the implementation
of mudarabah financing are also regulated in the standard book of mudarabah
financing by the financial services authority.
This type of research is a type of qualitative research. The nature of this
research is analytical prescriptive using a normative approach. The primary data
sources used in this study are data obtained from the field in the implementation
of mudarabah financing at Bank Syariah Indonesia KC Yoagyakarta. The
secondary data sources in this study are data obtained from the official website of
Bank Syariah Indonesia, books, articles, and other sources related to the
implementation of mudarabah financing at Islamic banks. Data collection
techniques in this study using interview techniques.
The results of this study indicate that, first, the implementation of
mudarabah financing at Indonesian Islamic Banks is still not optimal, this is
related to the distribution of funds is still limited to cooperatives or BMT
implementation of mudarabah financing at Indonesian Islamic Banks in
accordance with usyariah principles. In the process of distributing funds to
mu'arib, it is necessary to apply universal principles by not distinguishing between
groups of people directly and BMT or cooperatives. Supervision in the
implementation of mudarabah financing, it is necessary to have a direct review in
order to realize the principle of balance. The implementation of profit sharing in
mudarabah financing is in accordance with the benefit principle, which uses the
calculation of revenue sharing in determining the ratio. The settlement of
problematic mudarabah financing is carried out in two ways, namely by claiming
guarantee insurance in accordance with the DSN-MUI fatwa, and by deliberation
to sell the collateral that has been included by the muḍarib. Second, the obstacles
in implementing mudarabah financing at BSI KC Yogyakarta are caused by two
things, namely internal factors and external factors.NIM.: 20203011081 Arifatul Uyun, S.H2022-10-06T02:13:30Z2022-10-06T02:13:30Zhttp://digilib.uin-suka.ac.id/id/eprint/53944This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/539442022-10-06T02:13:30ZTINJAUAN HUKUM ISLAM TERHADAP PENERAPAN PARATE EKSEKUSI DALAM HAK TANGGUNGAN PEMBIAYAAN BERMASALAH STUDI KASUS BANK MUAMALAT INDONESIA CABANG PADANGSIDIMPUANThe execution of the Execution Parate is considered simple because it does not involve debtors, courts or procedural law procedures. In practice, Islamic institutions, especially Bank Muamalat Indonesia KCP Padangsidimpuan basically have good intentions, only use the principle of mutual trust between Islamic banking and customers. According to research based on existing data at the bank, it is known that the implementation of the sale of collateral goods, is carried out by Bank Muamalat Indonesia KCP Padangsidimpuan through auctions and so on, namely by selling over the hand or called parate execution. It is known from the implementation of this parate execution that it is more dominantly practiced in conventional-based financial institutions. Therefore, it is necessary to know how the implementation of parate execution on problematic financing needs to be reviewed from positive law and Islamic law.
This type of research is a field research that uses primary and secondary data. The research approach used is a normative-juridical approach, which refers to the norms of positive law and Islamic law by using qualitative descriptive data analysis techniques, which first describes the facts of the implementation of parate execution on problematic financing and then analyzed with reference to positive law and Islamic law.
The results of the study explain that: First, the implementation of parate execution carried out by BMI KCP Padangsidimpuan, namely by selling the object of collateral through the KPKNL Institution. Pricing is adjusted to the highest offer from the buyer. Appropriate or not in accordance with the price of collateral being traded is a risk on the part of the customer as a debtor who is in default. Second, the execution of the parate execution is not in accordance with the fiqh of muamalah, especially from the point of view of justice. The auction price is determined at the highest bid, regardless of the base price.NIM.: 20203011077 Rajali Batubara, S. H.2022-10-05T04:22:08Z2022-10-05T04:22:08Zhttp://digilib.uin-suka.ac.id/id/eprint/53887This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/538872022-10-05T04:22:08ZPENYELESAIAN SENGKETA DENGAN MEKANISME INTERNAL OLEH BANK (ANALISIS PELAKSANAAN PENYELESAIAN SENGKETA BANK MUAMALAT KCP BONE KOTA WATAMPONE SULAWESI SELATAN)Sengketa dapat terjadi karena adanya wanprestasi, perbuatan melawan hukum maupun force majeur, dalam perbankan wanprestasi sering menjadi alasan terjadinya sengketa, maka penyelesaian sengketa dalam jasa keuangan dapat ditempuh melalui lembaga Pengadilan ataupun Alternatif Penyelesaian Sengketa lainnya, pada hakikatnya dalam menyelesaian suatu sengketa, penyelesaian terlebih dahulu diselesaikan melalui internal oleh bank, apabila diselesaikan melalui penyelesaian internal bank maka bank harus menyediakan wadah bagi nasabah untuk dapat mengadukan dan menyelesaikan masalah yang ada tanpa merugikan nasabah sebagai bentuk perlindungan konsumen. Apabila tidak tercapai kesepakatan maka suatu sengketa baru dapat diselesaikan berdasarkan apa yang telah ditentukan dalam perjanjian. Berdasarkan data Badilag PA Watampone diketahui tidak ditemukan satupun laporan mengenai sengketa perbankan syariah berangkat dari hal ini penelitian dilakukan lebih lanjut melalui salah satu Bank Syariah di Watampone yaitu Bank Muamalat KCP Bone untuk mengetahui mekanisme serta strategi penyelesaian sengketa yang dilakukan sehingga tidak satupun sengketa yang terjadi diselesaikan melalui proses litigasi. Apakah mekanisme serta strategi yang dilakukan menggunakan strategi yang sama serta efektif bagi bank dan nasabah dalam menyelesaikan sengketa yang ada, baik itu disebabkan karena wanprestasi, perbuatan melawan hukum atau force majeur .
Penelitian ini merupakan jenis penelitian kualitatif dengan menggunakan metode field research yang bersifat deskriptif analitis yaitu menggambarkan mengenai objek penelitian lalu menganalisa hasil penelitian, metode pengumpulan data yang digunakan dalam penelitian ini yaitu dengan data primer yang diperoleh melalui wawancara dan dokumentasi serta data sekunder yang bersumber dari Undang-Undang, peraturan yang berlaku dan terkait dengan penelitian ini.
Berdasarkan dari hasil pengamatan dilapangan dan dilakukan analisis dapat disimpulkan bahwa pada dasarnya mekanisme dan strategi penyelesaian sengketa khususnya wanprestasi yang dilakukan oleh Bank Muamalat KCP Bone sudah sesuai dengan aturan yang ditetapkan yaitu menggunakan strategi restrukturisasi apabila tidak berhasil maka langkah akhir ialah dengan melakukan AYDA untuk dijual ataupun dilelang. Namun jika dilihat dari segi keefektifannya dalam menangani pengaduan maupun sengketa diketahui penanganan yang dilakukan masih belum efektif hal ini disebabkan karena penyelesaiannya tidak dilakukan di Bank Muamalat KCP Bone namun ditangani oleh Bank Muamalat wilayah Makassar yang berada di Ibukota Provinsi, yang menyebabkan tidak terpenuhinya perlindungan konsumen karena nasabah yang terikat perjanjian harus mematuhi isi perjanjian sehingga tidak dapat memilih opsi hukum yang lebih mudah untuk ditempuh. Hal ini terjadi disebakan pada saat dibuatnya perjanjian pihak bank tidak merekomendasikan penyelesaian sengketa melalui jalur litigasi yang lebih efektifNIM.: 19203012020 Nurul Mu’minati Idris2022-09-30T06:42:05Z2022-09-30T06:42:05Zhttp://digilib.uin-suka.ac.id/id/eprint/53688This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/536882022-09-30T06:42:05ZVULNERABILITY SISTEM PERBANKAN DI ASEAN
PADA BANK SYARIAH DAN KONVENSIONALThe study aims to analyze factors influencing the vulnerability of both
sharia and conventional banks in ASEAN according to the financial
system of Hyman Minsky. In addition to the external factors that
constitute macro economy variable comprising interest rate, inflation
and economic growth, the study carried out for 10 years (from 2010 to
2019) modifies the theory of bank vulnerability stability by including
good governance as one of bank vulnerability defining factors whilst the
internal factors constitute credit risk, liquidity risk and profitability. The
population and samples were ASEAN nations applying dual banking
system, namely Indonesia, Malaysia, Brunei Darussalam, Thailand and
the Philippines. Pane data regression with two similarities between
sharia and conventional banks were implemented, and total bank asset a
control variable. The results showed that risk of credit gave positive
influence significantly to the vulnerability of sharia bank but not to
conventional one. On the other hand, risk of liquidity, profitability and
good governance brought significant negative influence to both banks’
vulnerability. Inflation and economic growth variables did not influence
their vulnerability. Sharia banks’ vulnerability was not affected by
interest rate, but the rate gave negative significant influence to that of
conventional ones. The introduced variable good governance brought
negative influence significantly to the vulnerability of both banks. This
proved the significant role of good governance in the increase of
banking industry investment for economic growth and development of a
nation. The study is expected to be an input and recommendation for
ASEAN nations when launching public policies and improving the
quality of good governance. Banking industry investment in those
countries increase in return. Monetary development, banking sector in
particular, is expected to bring about positive effect to the nations’
economy.NIM.: 19300016103 Muhammad Iqbal2022-09-16T02:11:40Z2022-09-16T02:11:40Zhttp://digilib.uin-suka.ac.id/id/eprint/52875This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/528752022-09-16T02:11:40ZPENGARUH PERSEPSI TEKNOLOGI INFORMASI, KEMUDAHAN PENGGUNAAN, EFEKTIVITAS DAN RISIKO TERHADAP MINAT NASABAH BERTRANSAKSI MENGGUNAKAN MOBILE BANKING SEBAGAI FINANCIAL TECHNOLOGY
(Studi Kasus Nasabah Bank Syariah Indonesia KCP Sleman Prambanan)Penelitian ini bertujuan untuk menguji pengaruh persepsi teknologi informasi, kemudahan penggunaan, efektivitas, dan risiko terhadap minat nasabah bertransaksi menggunakan mobile banking sebagai financial technology. Objek penelitian ini adalah nasabah Bank Syariah Indonesia KCP Sleman Prambanan. Data yang digunakan dalam penelitian ini adalah data primer. Metode sampel yang dilakukan dengan teknik Slovin Sample Jumlah sampel sebanyak 100 responden. Teknik analisis yang digunakan dalam penelitian ini yaitu uji reliabilitas, uji validitas, uji regresi linier berganda, uji statistik melalui uji T Test, F Test serta koefisien determinan (R2) dan uji asumsi klasik.
Dari hasil analisis yang dilakukan menunjukan bahwa : (1) Persepsi teknologi informasi berpengaruh positif dan signifikan terhadap terhadap minat nasabah bertransaksi menggunakan mobile banking. (2) Kemudahan penggunaan berpengaruh positif dan signifikan terhadap terhadap minat nasabah bertransaksi menggunakan mobile banking. (3) Efektivitas berpengaruh positif dan signifikan terhadap minat nasabah bertransaksi menggunakan mobile banking. (4) Risiko berpengaruh negatif dan signifikan terhadap minat nasabah bertransaksi menggunakan mobile banking.NIM.: 18108020027 Alfi Ayu Ilhamna2022-07-14T08:13:44Z2022-07-14T08:13:44Zhttp://digilib.uin-suka.ac.id/id/eprint/52028This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/520282022-07-14T08:13:44ZPENDEKATAN VECTOR AUTOREGRESSIVE (VAR) DALAM MENGANALISIS PENGARUH INFLASI, SERTIFIKAT BANK INDONESIA SYARIAH (SBIS) DAN PRODUK DOMESTIK BRUTO (PDB) TERHADAP JAKARTA ISLAMIC INDEX (JII)Metode Vector Autoregressive (VAR) adalah salah satu analisis yang digunakan untuk menganalisis deret waktu (time series). Data deret waktu dapat dinyatakan dalam tahun, bulan, minggu, atau hari. Penelitian ini bertujuan untuk menganalisis pengaruh Inflasi, Sertifikat Bank Indonesia Syariah (SBIS) dan Produk Domestik Bruto (PDB) terhadap Jakarta Islamic Index (JII) periode Januari 2011-Desember 2021. Sampel yang digunakan dalam penelitian ini adalah data sekunder. Data yang digunakan adalah data bulanan dari periode 2011-2021. Adapun alat analisis yang digunakan adalah software EViews 10.0. Metode analisis yang digunakan dalam penelitian ini meliputi uji stasioneritas, uji lag optimal, uji stabilitas, uji kointegrasi multivariate: Johansen Cointegration Test, uji Kausalitas Granger, uji regresi model Vector Autoregressive (VAR), analisis Impulse Response Function (IRF) dan analisis Forecast Error Variance Decomposition (FEVD). Metode estimasi parameter yang digunakan dalam mengestimasi model Vector Autoregressive (VAR) adalah metode Ordinary Least Square (OLS). Metode Ordinary Least Square (OLS) merupakan salah satu metode yang digunakan untuk mengestimasi parameter dengan cara meminimalkan fungsi jumlah kuadrat error suatu model. Hasil penelitian ini memperlihatkan bahwa Jakarta Islamic Index (JII) merespon positif akibat adanya shock yang terjadi pada variabel Inflasi, Sertifikat Bank Indonesia Syariah (SBIS) dan Produk Domestik Bruto (PDB). Setiap variabel independen memperlihatkan kontribusi yang berbeda-beda terhadap Jakarta Islamic Index (JII) dari persentase Inflasi sebesar 1.38% sampai 2.61%, Sertifikat Bank Indonesia Syariah (SBIS) sebesar 0.02% sampai 0.49% dan Produk Domestik Bruto (PDB) sebesar 1.46% sampai 5.51%.NIM.: 17106010053 Seftia Afif Fauzi2022-07-11T07:30:10Z2022-07-11T07:30:10Zhttp://digilib.uin-suka.ac.id/id/eprint/51859This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/518592022-07-11T07:30:10ZECONOMIC PRAGMATISM OF YOGYAKARTA MUSLIM COMMUNITY IN
SELECTING BANKING INSTITUTIONSPenelitian ini membahas motif masyarakat muslim dalam memilih lembaga perbankan
dengan menggunakan analisis teori pragmatis. Penelitian ini adalah penelitian kualitatif dengan
pendekatan fenomenologi. Pengumpulan data yang digunakan dalam penelitian ini adalah
wawancara, observasi dan dokumentasi. Hasil penelitian menunjukkan bahwa nasabah muslim
kota Yogyakarta cenderung pragmatis dilatarbelakangi oleh karakter masyarakat yang lebih
akomodatif dan falsafah hidup yang luwes (toleransi). Sikap pragmatis ini dipengaruhi oleh
faktor internal (keterbatasan kognisi) dan faktor eksternal (reputasi/kredibilitas dan pelayanan
Bank Konvensional). Selanjutnya mengadopsi dari teori motif Schutz bahwa motif alasan
(because of motive) nasabah muslim dalam memilih perbankan adalah ketidakkonsistenan
mereka dalam memilih dipengaruhi oleh motif ekonomi dan pelayanan yang lebih kuat
dibandingkan dengan motif religi. Adapun yang menjadi motif tujuan (in order to motive)
mereka adalah terpenuhinya kebutuhan mereka.- Itsla Y. Aviva, Misnen Ardiansyah- M. Syafiq Hanafi2022-06-26T22:01:13Z2022-06-26T22:01:13Zhttp://digilib.uin-suka.ac.id/id/eprint/51410This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/514102022-06-26T22:01:13ZThe Contribution of Profit-sharing Characteristics to the Performance of Islamic BanksIslamic commercial banks are highly identic with the profit sharing as a sharia banking basic operational system. The profit-sharing becomes a specific characteristic of sharia banks as well as a distinction from conventional banks. Hence, this study aims to examine if the profit-sharing characteristic contributes to the performances of Islamic commercial banks in Indonesia. This study employed time series data derived from the Financial Service Authority (OJK) using regression mixed test and auto-regressive heteroscedasticity (ARCH). The results pointed out that the profit-sharing system for the lending of Musharaka had an impact on the performance of sharia banks; while the profit-sharing for the funding of Mudaraba did not support the hypothesis with negative coefficient. The results suggest that the profit-sharing characteristic provides contribution to the performance of Islamic commercial banks through the lending of Musharaka. These results further indicate that the profit-sharing characteristic performed by Islamic commercial banks is proven to be effective in improving their performances. This study's results have an implication for Islamic commercial banks to strengthen their profit-sharing characteristics and improve the public trust toward sharia banking system- Syafiq Mahmadah Hanafi2022-06-24T03:48:54Z2022-06-24T03:48:54Zhttp://digilib.uin-suka.ac.id/id/eprint/51396This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/513962022-06-24T03:48:54ZPENGARUH GAYA KEPEMIMPINAN PARTISIPATIF, KOMITMEN AFEKTIF, THE BIG FIVE PERSONALITY DAN PERCEIVED ORGANIZATIONAL SUPPORT TERHADAP ORGANIZATIONAL CITIZENSHIP BEHAVIOUR PADA BANK MUAMALAT KC YOGYAKARTAOrganizational citizenship Behaviour (OCB) is the behavior of someone who voluntarily does work outside of their duties and if done continuously can increase the effectiveness and efficiency of an organization in achieving its goals. This study aims to determine the effect of participative leadership style, affective commitment, the big five personality and perceived organizational support on organizational citizenship behavior (OCB) employees of Branch Office Bank Muamalat in Yogyakarta. The population of this study were all employees of Bank Muamalat in Yogyakarta, including the Sub-Branch Offices and Cash Offices of Bank Muamalat in Yogyakarta. Sampling in this study used non-probability sampling techniques with purposive sampling method. The primary data in this study used 65 processed questionnaires. In addition, interviews were also conducted to support the data. OLS regression is used to answer research questions with the help of IBM SPSS data analysis tools Statistics 20.
The results show that participatory leadership style, affective commitment, the big five personality and perceived organizational support simultaneously have a positive effect on OCB. Partially, the participative leadership style has a positive effect on OCB with a t count of 2.808> 1.998 and a sig value of 0.07. The big five personality has a positive effect on OCB with t arithmetic of 2.504> 1.998 and sig value of 0.015. And perceived organizational support has a positive effect on OCB with t count of 2.727> 1.998 and sig 0.009. However, affective commitment had no effect on OCB with a t value of 1.541 <1.998 and a sig value of 0.129.NIM.: 16820019 Devi Ratna Aisa2022-05-20T05:14:27Z2022-05-20T05:14:27Zhttp://digilib.uin-suka.ac.id/id/eprint/51104This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/511042022-05-20T05:14:27ZSTATUS MODAL BANK DALAM KONVERSI
BANK KONVENSIONAL MENJADI BANK SYARIAH
(STUDI PADA BANK NTB SYARIAH MATARAM)Penelitian ini membahas tentang salah satu problem ekonomi syariah
yaitu status modal bank konvensional yang kemudian bertransformasi menjadi
bank syariah melalui proses konversi. Berdasarkan Perda NTB No. 8 Tahun 2018,
Bank NTB yang seblumnya menganut konsep konvensional kemudian berubah
menjadi bank yang menganut prisnip syariah. Penelitian ini berangkat dari pro dan
kontra status modal bank konvensional yang telah melakukan konversi menjadi
bank syariah. Ada yang menyatakan bahwa modal tersebut bercampur dengan
hasil usaha konvensional yang mengandung riba sehingga kehalalan usaha bank
syariah dipertanyakan. Penelitian ini bertujuan untuk mengungkap status modal
bank NTB yang telah melakukan konversi menjadi Bank NTB Syariah.
Untuk mendapatkan jawaban atas beberapa problem tersebut, penelitian
ini memanfaatkan pendekatan normatif-yuridis status modal bank saat konversi
sebagai objek kajiannya, serta at-tadarruj untuk melihat status modal tersebut dari
perspektif hukum Islam. Penelitian ini adalah penelitian pustaka (library
research) dengan data yang berusmber dari pustaka serta buku-buku dan beberapa
karya ilmiah seperti jurnal maupun artikel yang objek kajiannya memiliki
kesamaan dengan objek kajian yang diteliti oleh penulis.
Penelitian ini mengungkap bahwa konversi merupakan mekanisme yang
dilakukan oleh lembaga perbankan untuk mengubah bank konvensional menjadi
bank syariah yang ditandai dengan berubahnya sistem bank secara legal menjadi
bank syariah. Menurut Direksi Bank NTB Syariah, konversi adalah perubahan
aktifitas bank dari konvensional menjadi syariah. Dia beranggapan bahwa
transaksi lama konvensional ketika diubah menjadi syariah, hanya mengubah akad
awal dan pokok pinjaman saja, tanpa ada membawa kewajiban lain seperti margin
dan bunga. Untuk menyikapi asal-usul modal bank syariah yang berasal dari
transaksi-transaksi berbasis bunga, harus dipahami bahwa prinsip dasar dalam
pembentukan bank syariah, baik dari proses konversi ataupun akuisisi adalah
prisnip kemudahan untuk mendirikan bank syariah. Hal ini dianalogikan dengan
proses mu’allafnya seorang non-muslim, yang kemudian segala latar belakangnya
pada saat non-muslim akan dihapuskan (dimaafkan dosa-dosanya). Hal paling
urgen yang perlu diperhatikan saat proses konversi adalah, kepastian tidak adanya
lagi kegiatan usaha konvensional yang berkaitan dengan gharar dan riba yang
dilakukan oleh bank yang sudah melakukan konversi menjadi bank syariah. Hal
ini juga sangat berkaitan erat dengan konsep at-tadarruj, di mana hal yang paling
penting adalah proses kebertahapan dari bank konvensional menjadi bank syariah.
Dari perspektif Hukum Positif, status konversi yang dilakukan oleh Bank NTB
menjadi Bank NTB Syariah sudah sah secara hukum dan telah memenuhi
persyaratan yang diatur dalam UU No. 21 Tahun 2008; Peraturan Bank Indonesia
No. 8/3/PBI/2006 jo No. 9/7/PBI/2007 yang diganti dengan No. 11/15/PBI/2009;
Peraturan Otoritas Jasa Keuangan No. 64/POJK/03/2016.NIM.: 20203011063 Vivi Rahma, S.H2022-05-17T08:03:45Z2022-06-06T03:09:06Zhttp://digilib.uin-suka.ac.id/id/eprint/51077This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/510772022-05-17T08:03:45ZKONVERSI AKAD PEMBIAYAAN
(Studi Kasus Pada BSI Ex Mandiri Kantor Cabang Pembantu Aceh Tengah)Bank Syari‟ah Indonesia (BSI) ex Mandiri Kantor Cabang Pembantu Aceh Tengah telah melakukan konversi dari sistem perbankan konvensional ke sistem perbankan syari‟ah sehingga secara otomatis seluruh produk yang ada pada perbankan akan beralih dari sistem bunga ke sistem bagi hasil dan margin. Rumusan masalah dalam penelitian ini: (1) Bagaimana model konversi akad pembiayaan pada BSI Ex Mandiri Kantor Cabang Pembantu Aceh Tengah? dan (2) Bagaimana tinjauan hukum Islam dalam peraturan perundang-undangan?. Penelitian ini adalah penelitian kualitatif dengan pendekatan normatif yuridis.
Hasil dari penelitian ini yaitu model konversi akad pembiayaan pada BSI Ex Mandiri Kantor Cabang Pembantu Aceh Tengah yaitu sebagai berikut: (1) Wadiah. Pada Bank Mandiri konvensional tidak terdapat pemisahan sumber uang yang halal dan haram sedangkan di Bank Syari‟ah seluruh uang yang masuk ke Bank harus bersumber dari usaha yang halal. Sehingga uang yang terdapat di Bank Syari‟ah lebih bersih dibandingkan dengan Bank Konvensional, (2) Mudarabah. Bunga tergantung pada SBI di Bank Indonesia dan hal tersebut tergantung pada perekonomian. Apabila SBI menetapkan suku bunganya sebesar 5% maka Bank Konvensional biasanya menerapkan di atas 5% sedangkan Bank Syari‟ah tidak mengenal prinsip tersebut, (3) Murabahah. Implementasi murabahah pada BSI Kantor Cabang Pembantu Aceh Tengah yaitu dalam pelaksanaan pembiayaan setelah konversi dalam jumlah nominal tidak terdapat perbedaan dan masih mengikuti jumlah nominal pembiayaan pada saat menggunakan sistem konvensional, (4) Qardh. Pada Bank konvensional disebut kredit sedangkan pada Bank Syari‟ah disebut akad. Ketika Bank Syari‟ah memindahkan sisa uang pokoknya maka pihak Bank Syari‟ah melunasi kepada Bank Konvensional, hal tersebut dinamakan qardh (kewajiban menagih hutang) menutupi yang ada di Bank konvensional sebelumnya. Setelah lunas kredit tersebut maka nasabah atas nama nasabah yang mengajukan pembiayaan, kemudian ia berbelanja untuk keperluan usahanya dan bukti pembelian barang-barang tersebut diserahkan kepada pihak Bank sebagai bukti, dan (5) Wakalah. Terdapat biaya yang timbul dari transaksi yaitu biasanya nasabah mengajukan ke pihak Bank. Biaya yang paling umum yaitu biaya transaksi jual, asuransi kebakaran, administrasi materai, dan akta notaris. Metode pencairan pembiayaannya yaitu sekaligus secara langsung dan cash, setelah dananya cair maka hal itu disebut wakalah yaitu artinya adalah pihak Bank yang mewakilkan bisa secara sekaligus maupun dengan menahan 25 juta atau 10 juta dulu, tergantung dengan kondisi.NIM.: 19203012011 Aramida, S.H.2022-04-27T04:09:42Z2022-04-27T04:09:42Zhttp://digilib.uin-suka.ac.id/id/eprint/50833This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/508332022-04-27T04:09:42ZPENGARUH PENERAPAN CORPORATE SOCIAL RESPONSIBILITY (CRS) TERHADAP CITRA BANK UMUM SYARIAH INDONESIAThis study discusses the influence of corporate social responsibility (CSR) on
the image of Indonesian Islamic commercial banks. This research is a quantitative study.
Meanwhile, if based on the purpose of this research is an exploratory research. The
population in this study is the customers of Indonesian Islamic commercial banks who
already know the information and enjoy the facilities of Indonesian Islamic commercial
banks with primary data sources. The results of the study show that corporate social
responsibility (CSR) indicators of community support do not have a significant effect on
the image of Indonesian Islamic commercial banks, corporate social responsibility (CSR)
indicators of labor protection have a significant effect on the image of Indonesian Islamic
commercial banks, and corporate social responsibility (CSR) CSR) environmental
indicators have a significant effect on the image of Indonesian Islamic commercial banksNIM.:18208011019 Zaenudin Ashari2022-04-27T04:04:51Z2022-04-27T04:04:51Zhttp://digilib.uin-suka.ac.id/id/eprint/50832This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/508322022-04-27T04:04:51ZANALISIS PENGARUH ISLAMIC CORPORATE GOVERNANCE DAN INTELLECTUAL CAPITAL TERHADAP KINERJA KEUANGAN
BANK UMUM SYARIAH DI INDONESIA TAHUN 2016-2020In this decade, Islamic commercial banks in Indonesia have developed quite rapidly. However, compared to the growth of commercial banks, Islamic commercial banks tend to experience a slowdown. This is allegedly because the financial performance of Islamic commercial banks does not show a healthy performance. This study aims to determine the influence of Islamic Corporate Governance (ICG) and Intellectual Capital (IC) on the financial performance of Islamic banking in Indonesia. The population in this study is Islamic Commercial Banks (BUS) registered with the Financial Services Authority (OJK) in 2016-2020, while the sample of this study was selected using the purposive sampling method and obtained 12 Islamic Commercial Banks. This research data uses secondary data obtained from the websites of each bank and the OJK. This study uses E-Views version 12 with data analysis techniques using panel data regression. The results show that the number of sharia supervisory boards, the frequency of sharia supervisory board meetings, the expertise of the sharia supervisory board, the education level of the sharia supervisory board, the size of the independent board of commissioners, the size of the audit committee have no effect on financial performance. Intellectual CapitNIM.: 18108040017 Damayanti2022-04-27T02:57:26Z2022-04-27T02:57:26Zhttp://digilib.uin-suka.ac.id/id/eprint/50825This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/508252022-04-27T02:57:26ZPENGARUH KOMPENSASI, LINGKUNGAN KERJA, DAN BUDAYA PERUSAHAAN TERHADAP KEPUASAN KERJA KARYAWAN BANK
(ANALISIS KOMPARASI ANTARA BANK SYARIAH DAN BANK KONVENSIONAL )This study aims to determine the effect of compensation, work environment, and corporate culture on job satisfaction of bank employees. This research is a comparative study, in which this study uses two different types of research samples, namely Islamic banks and conventional banks. Sampling in this study used a random sampling technique. The primary data in this study were obtained from the distribution of questionnaires and interviews. This study used 70 processed questionnaires. The analytical tool used in this study is the IBM SPSS version 21. The results show that the compensation variable has a positive and significant effect on the job satisfaction of bank employees. The work environment variable has a positive and significant effect on job satisfaction of bank employees. The variable of corporate culture has a positive and significant effect on job satisfaction of bank employees. The research shows that in terms of compensation, work environment, and corporate culture, bank employees are more satisfied with working in conventional banks than in Islamic banks.NIM.: 18108020104 Winda Febriani Puji Rahayu2022-04-26T04:21:33Z2022-04-26T04:21:33Zhttp://digilib.uin-suka.ac.id/id/eprint/50814This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/508142022-04-26T04:21:33ZPENGARUH PEMBIAYAAN MODAL KERJA, PEMBIAYAAN MURABAHAH, DAN DANA PIHAK KETIGA TERHADAP NON PERFORMING FINANCING (NPF) (STUDI KASUS: BANK UMUM SYARIAH PERIODE 2015-2020)The development of people’s economic needs which are increasing day by day, one can seek to find loan money through bank and non-bank financial institutions. In providing bank financing, of course it cannot be separated from Non Performing Financing (NPF) or commonly referred to as Non Performing Financing (NPF). The purpose of ths study is to find out and analyze how the effect of Working Capital Financing, Murabahah Financing, and Third Party Funds (DPK) on Non Performing Financing (NPF) in Islamic Commercial Banks for the 2015-2020 Period. The sampling tecniqueused was purposive sampling technique in which was processed through Eviews10 and also multiple linier regression analysis to determine how much influence the independent variables have on the dependent variable. The result of data analysis show that the variables of Working Capital Financing and Murabahah Financing have a significant positive effect on Non Performing Financing (NPF), while Third Party Funds have a significant and negative effect on Non Performing Financing (NPF) in Islamic Commercial Banks for the period 2015-2020.NIM.: 18108020049 Reni Muslikha Irawati2022-04-25T07:06:39Z2022-04-25T07:06:39Zhttp://digilib.uin-suka.ac.id/id/eprint/50778This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/507782022-04-25T07:06:39ZPENGARUH BUDAYA ORGANISASI, SELF EFFICACY, DAN MOTIVASI TERHADAP KINERJA KARYAWAN
(Studi Kasus Bank BPD DIY Syariah)This study aims to determine the effect of organizational culture, self-efficacy, and motivation on the performance of Bank BPD DIY Syariah employees. The dependent variable in this study is employee performance, while the independent variables in this study are organizational culture, self-efficacy, and motivation. The population in this study amounted to 43 employees of Bank BPD DIY Syariah. Sampling of this study using simple random sampling technique. The data in this study were obtained through the distribution of questionnaires and interviews. The data analysis method used was multiple linear regression analysis with SPSS 23 software. The results showed that organizational culture and self-efficacy variables had a positive and significant effect on employee performance, while motivational variables had no effect on employee performance.NIM.: 17108020099 Feninda Ayu Sekar Sari2022-04-22T07:40:41Z2022-04-22T07:40:41Zhttp://digilib.uin-suka.ac.id/id/eprint/50754This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/507542022-04-22T07:40:41ZPENGARUH LOKASI, PERSONAL SELLING, DAN SALES PROMOTION
TERHADAP MINAT MASYARAKAT MENJADI NASABAH DI BPRS
BANGUN DRAJAT WARGA
(STUDI KASUS MASYARAKAT SEKITAR KANTOR PUSAT BPRS
BANGUN DRAJAT WARGA)Sharia People's Financing Bank (BPRS) is a financial institution that
carries out its activities based on sharia principles. Currently, BPRS is growing in
Indonesia, with the development of BPRS, many new BPRS will appear and of
course will lead to competition between BPRS with one another.
Location as a company's operational place has a strategic function
because it can determine the achievement of a company's goals, while personal
selling is an important partner in the world of marketing communication. The
sales promotion as a form to stimulate the provision of products.
In this study using quantitative methods that aim to determine the effect of
location, personal selling, and sales promotion on public interest in becoming
customers at BPRS Bangun Drajat Warga. For the purpose of this study, 110
samples were used from the community around the BPRS Bangun Drajat Warga
head office, domiciled in a radius of 2 km from the BPRS Bangun Drajat Warga
head office, using a purposive sampling technique.
Based on the results of the research that the location t test has no effect
and is not significant because the t count < t table is -0.532 < 1.982. In personal
selling based on the t test that personal selling has a positive and significant effect
because the t count > t table is 2,000 > 1,982 and sales promotion based on the t
test has a positive and significant effect because the t count > t table is 3,361 >
1,982.NIM.: 18108020031 Arfiani2022-04-22T07:29:56Z2022-04-22T07:29:56Zhttp://digilib.uin-suka.ac.id/id/eprint/50752This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/507522022-04-22T07:29:56ZPENGARUH KUALITAS PELAYANAN, RELATIONSHIP MARKETING DAN KEPERCAYAAN TERHADAP LOYALITAS NASABAH
(Studi Kasus Pada BSI KC Bima Soetta 2)Bank must be hurt work to keep customer loyalty, because it have many competitiors. service quality, relationship marketing and trust is one of the keys to reach customer loyalty. This study aims to determine the effect of service quality, relationship marketing and trust on customer loyalty at BSI KC Bima Soetta 2. The population in this study were customers of BSI KC Bima Soetta 2. The sample was taken as many as 100 respondents using purposive sampling technique with customer criteria that still active with a long time using products/services from BSI KC Bima Soetta 2 for 6 months. The data in this study were obtained through data analysis used were validity test, reliability test, classical assumption test, multiple linear regression analysis, simultaneous test, partial test and coefficient of determination test with IBM SPSS 26. The results of this study indicate that 0.881 or 88.1 % variable customer loyalty can be explained by the three independent variables in the study, namely service quality, relationship marketing and trust together. While the remaining 11.9% is explained by other variables not included in this study such as guarantee, product quality, value, Bank image, customer satisfaction, etc.NIM.: 18108020008 Nur Sebariani Ismi Ningsih2022-04-22T07:17:05Z2022-04-22T07:17:05Zhttp://digilib.uin-suka.ac.id/id/eprint/50750This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/507502022-04-22T07:17:05ZPERAN PROMOSI, PENGETAHUAN, DAN LINGKUNGAN MASYARAKAT TERHADAP MINAT MENGGUNAKAN PRODUK PERBANKAN SYARIAH
(Studi Kasus : Daerah Pariwisata Di Provinsi D.I.Y)Sharia bank is a financial institution that conduct its activities based on sharia principles. Currenly, the development of sharia banking in Indonesia is increasing. The tight competition between financial institutions makes interest a factor in the survival of these development. Promotion is one of the most important factors in the excistence of a product offered by Islamic banking. Knowledge is also an important indicator in making a choice. The environment is something that influences various decisions due to social activities.
In this study using quantitative methods that aim to find out the effect of promotion, knowledge and the community environment to use products in Islamic banking. For research purposes, 80 samples of people living around Tourism in Yogyakarta were used, using a purposive sampling technique.
Based on the results of the research that the t-test of promotions has no effect and not significant on interest because the t-table value is -1,152 < 1,1665 and promotions are still rare in tourism areas. The knowledge based on the t-test shows that knowledge has a positive and significant effect because t count > t-table is 5,338 > 1,1665 and the public already knows a lot about sharia role product. And in the community environment, the result have a positive and significant effect because t-count > t-table is 3,072 > 1,1665 and the community environtment greatly influences decision making which is influenced by social activities in the community.NIM.: 18108020025 Niaka Putridefi Astuti2022-04-22T07:04:02Z2022-04-22T07:04:02Zhttp://digilib.uin-suka.ac.id/id/eprint/50749This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/507492022-04-22T07:04:02ZPENGARUH STRATEGI MARKETING MIX DAN SYARIAH COMPLIANCE TERHADAP KEPUTUSAN NASABAH MENABUNG DI BANK SYARIAH INDONESIA
(Studi Kasus Bank Syariah Indonesia KC. Bima Soetta 2)This research aims to determine the influence of marketing mix 7P and sharia compliance with customer decisions to save at Bank Syariah Indonesia KC. Bima Soetta 2. Data collection techniques using questionnaires/questionnaires with a sample number of 150 respondents. The population of this study is all customers who actively transact at Bank Syariah Indonesia KC. Bima Soetta 2. Sampling from this study using purposive sampling techniques. Data processing is assisted by IBM SPSS 26 data analysis tools.
The results of this study showed that simultaneously marketing mix 7P, and sharia compliance affect the decision of customers to save at Bank Syariah Indonesia KC. Bima Soetta 2. While partially showing that product variables, prices, promotions, places, people, processes, and sharia compliance have a positive and significant effect on the decision of customers to save at Bank Syariah Indonesia KC. Bima Soetta 2 and physical evidence variables negatively and significantly affect the decision of customers to save at Bank Syariah Indonesia KC. Bima Soetta 2.NIM.: 18108020006 Nurfitrahtunisah2022-04-22T06:46:50Z2022-04-22T06:46:50Zhttp://digilib.uin-suka.ac.id/id/eprint/50746This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/507462022-04-22T06:46:50ZINTENSI NASABAH BANK KONVENSIONAL BERALIH LAYANAN
KE BANK SYARIAH DI INDONESIA DENGAN PENDEKATAN
PPM (PUSH, PULL, MOORING)This study measures the customer's intention to switch from conventional to
Islamic bank services with the PPM approach (Push, Pull, and Mooring). The
variables used are satisfaction and subjective norms, each moderated by the
variables of Islamic financial literacy and religiosity. Primary data is the main data
source in this study by covering research locations in Indonesia. SEM (Structural
Equation Modeling) analysis is a parameter in this study with the help of SmartPLS
3.7.3 software. The results showed that satisfaction as a push factor did not affect the
intention to switch customers to Islamic banks. Meanwhile, the subjective norm
variable as a pull factor affects the intention to switch customers to Islamic banks. At
the same time, the mooring factor in the form of Islamic financial literacy variables
and religiosity as moderating variables affect the intention to switch customersNIM.: 20208011009 Wike Juniati2022-04-22T04:04:18Z2022-04-22T04:04:18Zhttp://digilib.uin-suka.ac.id/id/eprint/50731This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/507312022-04-22T04:04:18ZE-SERVICE QUALITY, E-TRUST, DAN E-RELIGION DIGITAL BANKING DI ERA NEW NORMAL TERHADAP E-LOYALTY NASABAH PERBANKAN SYARIAHThis thesis research aims to test the influence of e-service quality, e-trust, e-religion, and e-satisfaction on e-loyalty customers of Islamic bank digital banking users in Indonesia. In addition to testing the direct influence on e-loyalty, the study also examined the indirect influence of e-service quality, e-trust, and e-religion on e-loyalty through e-satisfaction. A total of 200 customers of Islamic bank digital banking users were selected as research samples. Quantitative approaches with Structural Equation Model (SEM) analysis, used software WarpPLS 7.0 to analysis tools were in this study. The results showed that e-trust, e-religion, and e-satisfaction directly affect e-loyalty and e-service quality, e-trust, and e-religion affect e-satisfaction. Meanwhile, indirectly e-service quality and e-trust affect e-loyalty through e-satisfaction.NIM.: 20208011003 Yusuffia Nur Azizah Istiqomah2022-04-22T03:58:13Z2022-04-22T03:58:13Zhttp://digilib.uin-suka.ac.id/id/eprint/50727This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/507272022-04-22T03:58:13ZANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT NASABAH BANK
SYARIAH MENGGUNAKAN MOBILE BANKING PADA MASA PANDEMI COVID-19 DI
JAWA TIMURIn the current limited situation of covid-19, it encourages people to take
advantage of and see the importance of technological progress for the survival of life.
One example of collaboration between technological advances and the banking
industry is the existence of mobile banking facilities to support the convenience of
customer transactions. This should be an opportunity to Islamic banking industry to
optimize its performance in the digital banking world.
This study aims to prove the adoption of the use of Islamic bank mobile
banking during the COVID-19 pandemic in East Java by using the UTAUT2 theory.
Sampling was done by distributing questionnaires through google form. In this study
using a non-probability sampling method with purposive sampling technique resulted
in 125 respondents. The data obtained were analyzed using the Structural Equation
Model and Partial Least Square test models with SmartPLS3 software.
The results obtained are that among the 7 variables that have been tested only
1 variable has a negative effect on the adoption of the use of Islamic mobile banking,
namely the price value, while other variables such as: performance expectations, effort
expectations, social factors, facility conditions, motivation hedonic, and habits have a
positive effect on the adoption of the use of Islamic bank mobile banking during the
covid-19 pandemic in East Java.NIM.: 17108020002 Nafila Nur Amza2022-04-22T02:54:52Z2022-04-22T02:54:52Zhttp://digilib.uin-suka.ac.id/id/eprint/50717This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/507172022-04-22T02:54:52ZPENGARUH RASIO PROFITABILITAS, SOLVABILITAS DAN
LIKUIDITAS TERHADAP KEPUTUSAN INVESTASI BANK UMUM
SYARIAH PERIODE 2016-2020This study aims to examine the effect of profitability, solvency and liquidity ratios on investment decisions for the 2016-2020 period. The variables used are investment decisions, the profitability ratio is proxied by return on assets, the solvency ratio is proxied by the capital adequacy ratio, and the liquidity ratio is proxied by the financing to deposit ratio. The research sample consisted of 9 Islamic commercial banks registered and active in the Financial Services Authority for the 2016-2020 period which were collected using the purposive sampling method. The hypothesis analysis technique uses a random effect model with EViews 9. This study uses a control variable in the form of a dummy variable to see the data consistency of three independent variables. The results showed that the ratio of profitability and solvency had no effect on investment decisions. Meanwhile, the liquidity ratio has a negative and significant effect on investment decisions.NIM.: 18108030077 Pipit Nawasanga2022-04-22T02:38:16Z2022-04-22T02:38:16Zhttp://digilib.uin-suka.ac.id/id/eprint/50715This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/507152022-04-22T02:38:16ZPENGARUH LINGKUNGAN KERJA PENGEMBANGAN KARIR DAN KOMITMEN ORGANISASI TERHADAP KEPUASAN KERJA KARYAWAN
(Studi Kasus Pada Bank Pembiayaan Rakyat Syariah PNM Mentari)Penelitian ini bertujuan untuk mengetahui Pengaruh Lingkungan Kerja, Pengembangan Karir, Dan Komitmen Organisasi Terhadap Kepuasan Kerja Karyawan (Studi Kasus Pada Bank Pembiayaan Rakyat Syariah PNM Mentari Garut). Jenis penelitian yang digunakan pada penelitian ini adalah explanatory reseach dengan menggunakan pendekatan kuantitatif. Sampel yang diambil sebanyak 35 orang karyawan BPRS PNM Mentari Garut. Sumber data diperoleh dari data primer dengan menyebar kuesioner. Metode analisis data yang digunakan dalam penelitian ini adalah uji validitas, uji realibilitas, uji asumsi klasik, dan analisis regresi linier berganda dengan SPSS 26.
Hasil penelitian ini menunjukan bahwa Lingkungan Kerja berpengaruh positif dan signifikan terhadap Kepuasan Kerja Karyawan dengan nilai t hitung sebesar 2,618 dan sig 0,014. Pengembangan Karir tidak berpengaruh positif dan signifikan terhadap Kepuasan Kerja Karyawan dengan nilai t hitung sebesar 0,066 dan sig 0,948. Komitmen Organisasi tidak berpengaruh positif dan signifikan terhadap Kepuasan Kerja Karyawan dengan nilai t hitung sebesar 1,825 dan sig 0,078.NIM.: 17108020023 Muhammad Yusril Hizbullah2022-04-22T02:19:57Z2022-04-22T02:19:57Zhttp://digilib.uin-suka.ac.id/id/eprint/50712This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/507122022-04-22T02:19:57ZPENGARUH KOMPETENSI, KOMPENSASI, DAN LATAR BELAKANG
PENDIDIKAN TERHADAP KINERJA KARYAWAN
(Studi Kasus pada PT. BPRS Madina Mandiri Sejahtera Yogyakarta)This study aims to determine the effect of competence, compensation, educational background, and employee performance of PT BPRS Madina Mandiri Sejahtera. This research is quantitative in nature which aims to test the previously established hypotheses. This population in this study amounted to 30 employees. The sampling technique was purposive sampling. The data in this study were obtained through a questionnaire. The data analysis method used in this research is validity test, reliability test, classical assumption test, and hypothesis test with IBM SPSS 25. The result showed that competence has a positive and significant effect on employee performance. Then, compensation has a positive and significant effect on employee performance. Meanwhile, educational background does not have a positive and significant effect on employee performance. And the last one is that competence, compensation, and educational background together have a positive and significant effect on employee performance.NIM.: 16820031 Febriana Handayani2022-04-21T06:12:31Z2022-04-21T06:12:31Zhttp://digilib.uin-suka.ac.id/id/eprint/50692This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/506922022-04-21T06:12:31ZPENGARUH KOMPENSASI, LINGKUNGAN KERJA, DAN KOMUNIKASI ORGANISASI TERHADAP KINERJA KARYAWAN
( Studi Kasus PT. BPRS Madina Mandiri Sejahtera Yogyakarta)This study aims to determine the effect of compensation, work environment and organizational communication on the performance of employees of PT BPRS Madina Mandiri Sejahtera. This research is quantitative in nature which aims to test the hypotheses that have been previously established. The population in this study amounted to 35 employees. The sampling technique is saturated sampling. The data in this study were obtained through a questionnaire. The data analysis methods used in this research are validity test, reliability test, classical assumption test, and hypothesis testing with IBM SPSS 25. The results show that compensation has a positive and insignificant effect on employee performance. Then, the work environment has a positive and significant influence on employee performance. And Organizational Communication has a positive and significant influence on employee performance. The last is compensation, work environment and organizational communication together have a positive and significant influence on employee performance.NIM.: 16820014 Ahmad Rifaldi M2022-04-21T03:29:22Z2022-04-21T03:29:22Zhttp://digilib.uin-suka.ac.id/id/eprint/50678This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/506782022-04-21T03:29:22ZPENGARUH NILAI OBLIGASI SYARIAH, RATING OBLIGASI SYARIAH DAN UMUR OBLIGASI SYARIAH TERHADAP REAKSI PASAR MODAL YANG TERDAFTAR PADA BURSA EFEK INDONESIA PERIODE 2019–2021The purpose of this study is to determine the effect of the issuance of Islamic bonds, the rating of the issuance of Islamic bonds, and the age of Islamic bonds on the reaction of the capital market on the Indonesian stock exchange in 2019 - 2021. The reaction of the capital market (Cummulative Abnormal Return) is the dependent variable and The independent variables include the issuance of Islamic bonds, the rating of the issuance of Islamic bonds and the age of the Islamic bonds. The population in this study are companies that issue Islamic bonds and are listed on the Indonesia Stock Exchange in 2019-2021. The sample selection in this study used purposive sampling. Criteria Based on the selection of samples obtained 36 Islamic bond issuances as the final sample. The collection of data obtained from the annual report and company website was then analyzed by multiple regression analysis. Based on the results of multiple linear regression analysis with a significance level of 5%, the results of this study indicate that the issuance of Islamic bonds and the rating value of the issuance of Islamic bonds have a positive effect on capital market reactions. While the variable age of Islamic bonds has no significant effect on the capital market reaction.NIM.: 14830009 Rani Oktaviana Putri2022-04-21T02:17:56Z2022-04-21T02:17:56Zhttp://digilib.uin-suka.ac.id/id/eprint/50662This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/506622022-04-21T02:17:56ZDETERMINAN KEPUTUSAN PEMBIAYAAN
DI BANK SYARIAH: PENGEMBANGAN THEORY OF
REASONED ACTIONThe objectives of this study is to analyze the determinants of
financing decisions in Islamic banks by developing the Theory of
Reasoned Action. A total of 250 persons from Special Region of
Yogyakarta were polled for this study. The technique employs
quantitative method based on the positivist philosophy to generalize
samples from specific populations, gather data utilizing questionnaire
research instruments, and conduct quantitative analysis to evaluate the
hypotheses. The study uses Structural Equation Modeling (SEM) for
the analytical method as it describes the structural relationship of the
data, by the use of SmartPLS 3.0 software. According to the findings,
the variables of attitude, subjective norm, intention, and religiosity all
had a substantial beneficial impact on the financing decisions in
Islamic banks. However, the Islamic financial literacy variable has no
effect on the decision making. Based on the results of this study, the
Theory of Reasoned Action is successfully constructed by
incorporating religiosity as a moderating variable, and is able to give
a considerable and favourable influence on the variable of intention on
making finance in Islamic banks. While the Islamic financial literacy
as a moderating variable is unable to contribute to the decision
making. This research suggests that customers who are knowledgeable
about Islamic finance are more likely to be unsatisfied with the bank
financing products. As a result, Islamic banking must adhere to
Islamic principles in its operational activities.NIM.: 18300016029 Budi Kolistiawan2022-03-11T07:23:27Z2022-03-11T07:23:27Zhttp://digilib.uin-suka.ac.id/id/eprint/49979This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/499792022-03-11T07:23:27ZPENGARUH ISLAMICITY PERFORMANCE INDEX TERHADAP
KESEHATAN FINANSIAL BANK UMUM SYARIAH
DI INDONESIA DENGAN ISLAMIC CORPORATE GOVERNANCE
SEBAGAI VARIABEL MODERASIThis study aims at testing the Islamicity Performance Index
(IPI) hypothesis variable by placing Islamic Corporate Governance
(ICG) variable as a moderation variable of Islamicity Performance
Index against financial health. The proxy of Islamicity Performance
Index as the independent variable are Profit Sharing Ratio (PSR),
Islamic Investment Ratio (IIsR), Islamic Income Ratio (IIcR), and
the dependent one is Financial Health (FH). Whereas ICG variable
with Board of Directors (BD) as the indicator serves as moderation
variable.
Carried out from 2012 to 2020, the study selected 10 Sharia
Banks in Indonesia for samples. Secondary data obtained from
financial annual reports and GCG reports of each sample bank were
analyzed using GMM, MRA model analysis, and analysis of
regresion with moderation variable.
The results show that Profit Sharing Ratio (PSR) and Islamic
Income Ratio (IIcR) variables have significant positive influence
over sharia bank’s financial health (FH), while Islamic Investment
Ratio (IIsR) and Board of Directors (BD) variables do not. The test
on board of directors moderation variable shows a stronger influence
of Islamic Investment Ratio (IIsR) over financial health. The board,
on theother hand, weakens Profit Sharing Ratio (PSR) and Islamic
Income Ratio (IIcR) influence over the banks financial health.
The implication of the study is the importance of Islamicity
Performance Index (IPI) with the improvement of Profit Sharing
Ratio (PSR), Islamic Investment Ratio (IIsR), and Islamic Income
Ratio (IIcR), and the role of Board of Directors in bringing Islamic
Corporation Governance (ICG) in sharia banks into reality. A further
test by measuring Maqashid Sharia Index is to see the level and
strength of influence of each factor over sharia bank’s financial
health.NIM.: 1430316002 Prihantono2022-03-01T02:07:25Z2022-03-01T02:07:25Zhttp://digilib.uin-suka.ac.id/id/eprint/49739This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/497392022-03-01T02:07:25ZPENGARUH TINGKAT KESEHATAN BANK MENGGUNAKAN METODE RISK BASED BANK RATING TERHADAP KINERJA KEUANGAN PERBANKAN (Studi pada Bank Syariah yang Terdaftar di Otoritas Jasa Keuangan (OJK) Periode 2015-2020)This study analyzes and explains the effect of bank soundness ratios using the Risk Based Bank Rating (RBBR) method on financial performance as measured using Return On Assets (ROA) of Islamic banks registered with the Financial Services Authority (OJK) during 2015-2020. This study took 11 Islamic banks and took 66 data using panel data. Based on the results of the study, the ratios (NPF, FDR, GCG, NIM, and CAR) simultaneously have a positive effect on financial performance as measured by ROA. While partially the NPF ratio has a negative effect on financial performance. Then the FDR, NIM, and CAR variables have a positive effect on financial performance and the GCG ratio has a positive but not significant effect on financial performance (ROA).NIM.: 19208012041 Inngamul Wafi2022-03-01T02:03:25Z2022-03-01T02:03:25Zhttp://digilib.uin-suka.ac.id/id/eprint/49712This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/497122022-03-01T02:03:25ZANALISIS PENGARUH MERGER BANK SYARIAH INDONESIA TERHADAP ABNORMAL RETURN DAN TRADING VOLUME ACTIVITYThis study aims to prove empirically the effect of mergers on abnormal returns and trading volume activity in the merging companies. In this study, there are 2 variables tested, namely abnormal returns and trading volume. The population of this study is Indonesian Islamic Banks which will merge in 2021. By using purposive sampling technique, the sample in this study is the IPO (Initial Public Offering) stock price, namely BRI Syariah before the merger and BSI after the merger. The data used is secondary data obtained from several official websites available on the internet. The analytical method used is the Normality Test and Hypothesis Testing, namely the Paired Sample T-test for normally distributed data and the Wilcoxon Signed Rank Test for data that are not normally distributed by using the IBM SPSS tool. The results of this study indicate that the merger has no effect on abnormal returns but has an effect on trading volume activityNIM.: 17108030021 Agil Dwi Rahmatan2022-03-01T02:02:01Z2022-03-01T02:02:01Zhttp://digilib.uin-suka.ac.id/id/eprint/49707This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/497072022-03-01T02:02:01ZPENGARUH GOOD CORPORATE GOVERNANCE (GCG), CITRA PERUSAHAAN DAN CORPORATE SOCIAL RESPONSIBILITY (CSR) TERHADAP LOYALITAS NASABAH BANK SYARIAH DI INDONESIAThis study aims to examine the implementation of GCG, corporate image, and CSR on customer loyalty of Islamic banks in Indonesia. The data collection technique in this study used a cluster sampling method on Islamic bank customers spread throughout Indonesia, as many as 206 respondents as a sample and distributed online via google form. The analytical test used in this study uses the PLS (Partial Least Square) method, namely SmartPLS 3.0. The results of the study indicate that corporate image and CSR have a positive and significant impact on customer loyalty in Islamic banks in Indonesia. Meanwhile, GCG does not have a positive and significant effect on customer loyalty of Islamic banks due to several indicators that have low values.NIM.: 17108020116 Mohammad Bambang Santoso2022-03-01T02:01:13Z2022-03-01T02:01:13Zhttp://digilib.uin-suka.ac.id/id/eprint/49706This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/497062022-03-01T02:01:13ZPENGARUH TEKNOLOGI INFORMASI, PERSEPSI BANK SYARIAH DAN HALAL LIFE STYLE TERHADAP PENGGUNAAN MOBILE BANKING OLEH GENERASI MILENIAL (Studi Kasus Bank Syariah Indonesia Cabang Yogyakarta)This study aims to examine the effect of information technology, perceptions of Islamic banks and halal life style on the use of mobile banking by the millennial generation of Bank Syariah Indonesia KC Yogyakarta with quantitative methods. Data obtained by questionnaires to 40 respondents using multiple linear regression analysis. The results showed that partially information technology had a positive effect on the decision to use with a t-count value of 3.543 and a sig value. 0.001. The perception of Islamic banks has no effect on the t-count value of 1.003 and the sig value. 0.322. Halal life style has no effect with t-count value of 1.388 and sig value. 0.174. While significantly the three independent variables have an effect.NIM.: 17108020067 Linatul Uyun2022-03-01T01:59:59Z2022-03-01T01:59:59Zhttp://digilib.uin-suka.ac.id/id/eprint/49703This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/497032022-03-01T01:59:59ZPENGARUH REPUTASI BANK, KEUNTUNGAN ADMINISTRATIF DAN STIMULAN RELIGI TERHADAP MINAT MASYARAKAT NON MUSLIM MENJADI NASABAH BANK SYARIAH (Studi Kasus pada Masyarakat Non-Muslim di Kab. Cilacap)The development of Islamic banking in Indonesia has increased every year, but this development is still less significant. This study aims to find out the influence of bank reputation, administrative benefits and religious stimulants on the interest of non-Muslim to become customers of Islamic banks, especially non-Muslim communities in Cilacap Regency. Instruments/tools in data collection in this study used questionnaires which were distributed directly or online to respondents. The sample search in this study used a purposive sampling technique, namely the collection of samples by providing certain criteria limits. From these restrictions, obtined a sample of 100 people. The data obtained were then analyzed using multiple regression analysis through the SPSS v.23 application. The results showed that the bank‟s reputation and administrative benefits had a positive and significant effect on the interest of non-Muslim to become customers of Islamic banks. While religious stimulants have no significant effect on the interest of non-Muslim to become customers of Islamic banksNIM.: 17108020064 Nur Fikri Agil2022-02-25T13:50:05Z2022-02-25T13:50:05Zhttp://digilib.uin-suka.ac.id/id/eprint/49701This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/497012022-02-25T13:50:05ZPENGARUH CORE SELF EVALUATIONS (CSE) TERHADAP ORGANIZATIONAL CITIZENSHIP BEHAVIOR (OCB) (STUDI KASUS DI BPD DIY KANTOR CABANG SYARIAH)This study aims to determine the effect of Core Self Evaluations (CSE) on Organizational Citizenship Behavior (OCB) (a case study on BPD DIY Branch Office Syariah). Core Self Evaluations (CSE) is a personality model that consists of four personality traits, namely self efficacy, self esteem, locus of control, and emotional stability. OCB is an important behavior for organizations to increase organizational effectiveness. The independent variables in this study are self efficacy, self esteem, locus of control, and emotional stability. While the dependent variable is OCB. This research used a questionnaire with a total sample of 38 respondents for collecting the data. The data was then analyzed using multiple linear regression method with the help of the IBM SPSS Statistic 25 data analysis tool. The test results show that the variables of self efficacy, self esteem and emotional stability have a significant positive effect on OCB, while the variables of locus of control have a significant negative effect on OCB at BPD DIY Branch Office Syariah.NIM.: 17108020060 Wahyu Srihany2022-02-25T11:04:11Z2022-02-25T11:04:11Zhttp://digilib.uin-suka.ac.id/id/eprint/49591This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/495912022-02-25T11:04:11ZANALISIS MINAT NASABAH DALAM MENYALURKAN DANA ZAKAT MELALUI DIGITAL BANKING DENGAN MENGGUNAKAN MODEL UTAUT (UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY)The purpose of this study is to determine the factors that influence customer interest in distributing zakat funds through digital banking with the UTAUT model. The researcher uses quantitative methods and uses multiple linear regression analysis techniques with the SPSS version 25 program. The sample in this study is Islamic bank customers who use digital banking and have reached the nishab to pay zakat maal. The result of this research is that there are 2 influential variables, namely performance expectancy and facilitating condition. And 2 other variables, namely effort expectancy and social influence, have no effect on behavioral intention. However, simultaneously all independent variables affect the dependent variable.NIM.: 18108020002 Masna'iyah Putri Nurwanah2022-02-25T10:44:14Z2022-02-25T10:44:14Zhttp://digilib.uin-suka.ac.id/id/eprint/49589This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/495892022-02-25T10:44:14ZPENGARUH FINANCIAL CRUNCH PADA BANK SYARIAH DAN PEMBIAYAAN UMKM TERHADAP PERTUMBUHAN EKONOMI DI INDONESIAThe Indonesian economy has experienced various challenges and considerable economic obstacles in its history, such as the hyperinflation phenomenon that occurred in the 1960s, the monetary crisis in 1997, the global crisis in 2008, and recently, even today, Indonesia is experiencing an economic crisis. due to the covid19 pandemic. The global financial crisis also had an impact on the banking sector, one of which was lending. Banks are more selective in carrying out their policies for lending, so this gives rise to the credit crunch phenomenon. In the Islamic banking sector, the phenomenon of credit crunch is more synonymous with the use of the term financial crunch. This phenomenon has a relationship with the level of bank financing, because when the financial crisis occurs, banks are more selective in channeling their financing, this is where there is a change in the supply and demand for financing. The variables used to explain the effect of the financial crunch on Islamic banks are NPF, DPK, and FDR, as well as the existence of MSME financing variables to see their effect on economic growth in Indonesia, which is projected with IPI data. In this study using the Vector Error Correction Model (VECM) analysis model using time series data from January 2010 – March 2021. The results of this study indicate that there is no financial crunch phenomenon during the financial crisis, changes in MSME financing also cannot reduce the IPI.NIM.: 18108010037 Amila Zamzabila Putri2022-02-24T02:29:45Z2022-02-24T02:29:45Zhttp://digilib.uin-suka.ac.id/id/eprint/49631This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/496312022-02-24T02:29:45ZPENGARUH MOTIVASI, KOMPETENSI, DAN PELATIHAN TERHADAP PRODUKTIVITAS KERJA KARYAWAN (Studi Kasus Pada BPR Syariah Suriyah)This study aims to determine the effects of motivation, competence, and training on employee productivity at BPRS Suriyah Cilacap. Using a saturated sample in which the entire population is a sample of 35 respondents. Data was obtained by distributing questionnaires in the form of a questionnaire. The data analysis method used in this research is multiple linear regression analysis.
The results show that motivation, competence, and training can simultaneously affect employee productivity. Partially, motivation has an effect on work productivity with a t-value of 5.537. Competence has an effect on work productivity with a t-value of 4.239 . Training also affects work productivity with a t-value of 2.330.NIM.: 17108020046 Ahmad Shodiq Ikhsani2022-02-24T02:11:40Z2022-02-24T02:11:40Zhttp://digilib.uin-suka.ac.id/id/eprint/49688This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/496882022-02-24T02:11:40ZPENGARUH MANFAAT, KEMUDAHAN PENGGUNAAN, KEPERCAYAAN, DAN KETERSEDIAAN FITUR TERHADAP MINAT GENERASI MILLENIAL DI PROVINSI LAMPUNG DALAM BERTRANSAKSI MENGGUNAKAN M-BANKING BANK SYARIAHThis study aims to determine the interest of the millennial generation in the use of Islamic mobile banking. The variables of benefit, ease of use, trustworthiness, and service features are used as a measuring instrument for the acceptance of the Islamic bank's mobile banking. The object used is the millennial generation in Lampung Province with a total of 100 people. This research uses SEM-PLS for its research method, carried out with the help of SmartPLS 3.0. Based on the data processing that has been carried out, it can be concluded that the variables of benefit, ease of use, trust, and service features have a positive and significant influence on the interest of the Lampung millennial generation in using mobile banking.NIM.: 17108020054 An’nissa Miftahusnika Islami Muhsin2022-02-24T01:44:30Z2022-02-24T02:32:21Zhttp://digilib.uin-suka.ac.id/id/eprint/49630This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/496302022-02-24T01:44:30ZPENGARUH STRES KERJA, LINGKUNGAN KERJA, DAN KOMPENSASI TERHADAP TURNOVER INTENTION KARYAWAN DENGAN KEPUASAN KERJA SEBAGAI VARIABEL INTERVENING (STUDI KASUS PADA BTN SYARIAH KC SOLO)This study aims to analyze the effect of work stress, work environment, and compensation on turnover intention with job satisfaction as an intervening variable (a case study on employees of BTN Syariah KC Solo). This study uses a quantitative approach. The population in this study were all employees at BTN Syariah KC Solo. Sampling in this study used non-probability sampling using a saturated sample technique. The total sample is 34 respondents. The primary data in this study was obtained by distributing a questionnaire with a Likert scale which has 4 alternative answers. The analytical technique used in this research is SEM-PLS with SmartPLS 3.3.3 software. The results showed that the work environment and compensation had a significant positive effect on job satisfaction, while job stress had no effect on job satisfaction. Work stress, work environment, and compensation directly affect turnover intention. Job satisfaction variable is able to mediate compensation on turnover intention, but cannot mediate stress and work environment variables on employee turnover intention.NIM.: 17108020041 Putri Nur ‘Aini Khotijah2022-02-23T09:00:12Z2022-02-23T09:00:12Zhttp://digilib.uin-suka.ac.id/id/eprint/49567This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/495672022-02-23T09:00:12ZPENGARUH PENGETAHUAN, HARGA, DAN PERSEPSI SANTRI TERHADAP MINAT MENGGUNAKAN PERBANKAN SYARIAH
(STUDI KASUS SANTRI MAHASISWA PONDOK PESANTREN ASWAJA NUSANTARA MLANGI YOGYAKARTA)This research aims to find out the impact of knowledge, price, perception of the interest of students of Pondok Pesantren Aswaja Nusantara Mlangi Yogyakarta in using Shari'ah bank products. This research is field research with a quantitative approach. The sample taken in this study was a student of Pondok Pesantren Aswaja Nusantara Mlangi Yogyakarta who did not use Bank Syari'ah products as many as 31 respondents. The data in the study was obtained through questionnaires, and the data analysis used was a validity test, reliability test, classical assumption test, and multiple linear regression analysis with IBM SPSS 26. The results of this study showed that knowledge and price had no significant effect on santri's interest in using Shari'ah Bank products. While the perception has a significant effect on the interest of santri in using Shari'ah Bank products. As for knowledge, price, perceptions influence simultaneously on santri's interest in using Shari'ah Bank products.NIM.: 14820178 Mochamad Firman Febriansyah2022-02-22T08:28:28Z2022-02-22T08:28:28Zhttp://digilib.uin-suka.ac.id/id/eprint/49540This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/495402022-02-22T08:28:28ZANALISIS KINERJA PERBANKAN SYARIAH DI INDONESIA DENGAN MENGGUNAKAN PENDEKATAN ISLAMICITY INDICES
PERIODE 2015-2020This study was conducted to analyze the performance of Islamic banking in Indonesia by using the Islamicity Indices approach. This research is a qualitative descriptive study with two main indicators, namely the Islamicity Disclosure Index and the Islamicity Performance Index. Sampling method in this study was conducted by purposive sampling method. The samples taken were thirteen Islamic banks in Indonesia. The results of the study revealed that the performance of Islamic banks in Indonesia in the 2015-2020 period got quite satisfactory results. However, there are two ratios with unsatisfactory results, namely the zakat performance ratio and the equitable distribution ratio. This shows that the zakat issued by Islamic banks in Indonesia is still low alongside with qardh funds, donations and employee salaries are still low.NIM.: 14820131 Rizqika Maulidina Zahra2022-02-22T07:53:56Z2022-02-22T07:53:56Zhttp://digilib.uin-suka.ac.id/id/eprint/49536This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/495362022-02-22T07:53:56ZPENGARUH WORD OF MOUTH, RELIGIUSITAS, DAN IKLAN TERHADAP MINAT MENABUNG ALUMNI UIN SUNAN KALIJAGA DI BANK SYARIAH INDONESIAThis study aims to evaluate the influence of the word of mouth, religiosity, and advertisement towards the interest in saving experienced by Sunan Kalijaga Islamic State University alumni at Indonesian Islamic Bank (BSI). Quantitative approach completed with questioners was implicated in the study whilst 85 alumni of Sunan Kalijaga Islamic State University were involved as respondents. The technique used within collecting the sample was purposive sampling. Multiple linear regression analysis was afterwards employed in the data analysis step. The result demonstrates that the word of mouth and religiosity have provided the positive effect towards the saving interest of Sunan Kalijaga Islamic State University alumni at Indonesian Islamic Bank meanwhile the advertisement has not.NIM.: 14820127 Farida Laylisa2022-02-22T07:43:44Z2022-02-22T07:43:44Zhttp://digilib.uin-suka.ac.id/id/eprint/49533This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/495332022-02-22T07:43:44ZPENGARUH CUSTOMER INTIMACY TERHADAP LOYALITAS NASABAH GADAI EMAS BANK SYARIAH INDONESIA CABANG JOGJAPada dasarnya banyak hal yang mempengaruhi loyalitas nasabah di suatu perbankan, diantaranya yaitu Customer Intimacy yang dilakukan oleh pihak perbankan tersebut. Customer Intimacy merupakan strategi yang digunakan Bank Syariah Indonesia Cabang Jogja untuk menarik dan menjaga hubungan dalam jangka panjang agar nasabah tetap loyal dan percaya terhadap Bank Syariah Indonesia Cabang Jogja. Strategi Customer Intimacy yang dilakukan Bank Syariah Indonesia dengan cara mendekatkan diri kepada semua nasabah dengan pelayanan yang baik dengan menawarkan produk berbasis syariah yang dimiliki Bank Syariah
Indonesia Cabang Jogja, sehingga dapat membuat nasabah memiliki loyalitas pada Bank Syariah Indonesia Cabang Jogja tersebut. Penelitian ini merupakan penelitian Korelasi. Penentuan tempat penelitian menggunakan metode purposive area yaitu di Bank Syariah Indonesia Cabang Jogja. Untuk menentukan responden penelitian menggunakan metode simple random sampling yaitu sebanyak 85 responden yaitu nasabah Gadai Emas Bank Syariah Indonesia Cabang Jogja. Metode pengumpulan data yang digunakan terdiri dari metode: angket, wawancara, dan dokumen. Analisis data yang akan digunakan yaitu analisis inferensial (yang terdiri: analisis garis regresi sederhana, analisis varian garis regresi, uji F, dan efektifitas garis regresi). Hasil penelitian menunjukkan bahwa variabel Costumer Intimacy memiliki pengaruh yang signifikan terhadap loyalitas nasabah Bank Syariah Indonesia Cabang Jogja. Hasil pengolahan data bahwa terdapat pengaruh secara bersama-sama atau simultan antara variabel X1, X2 dan X3 terhadap variabel Y juga dengan kontribusi variabel X1, X2 dan X3 sebesar 12,5%, sedangkan sisanya sebesar 87,5% (100-12,5%) di tentukan oleh faktor lain di luar model yang tidak terdeteksi dalam penelitian ini.NIM.: 14820098 Iah Rodiah2022-02-22T07:33:27Z2022-02-22T07:33:27Zhttp://digilib.uin-suka.ac.id/id/eprint/49531This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/495312022-02-22T07:33:27ZFAKTOR-FAKTOR YANG MEMPENGARUHI MASYARAKAT MUSLIM DI YOGYAKARTA MENJADI NASABAH BANK SYARIAH INDONESIAPenelitian ini membahas faktor-faktor apa saja yang mempegaruhi minat masyarakat muslim di Yogyakarta untuk menjadi nasabah Bank Syariah Indonesia. Ketidakstabilan perbankan syariah di Yogakarta dikarenakan rendahnya keinginan dan partisipasi masyarakat muslim terhadap perbankan syariah. Subjek dalam penelitian ini adalah masyarakat muslim di Yogyakarta yang menjadi nasabah Bank Syariah Indonesia. Penelitian ini adala penelitian deskriptif kuantitatif. Teknik pengmpula data menggunakan teknik purposive sampling, penentua sampling menggunakan rumus slovin. Instrumen penelitian ini adalah menyebarkan kuisioner kepada masyarakat muslim yang menjadi nasabah Bank Syariah Indonesia sebanya 100 responden. Teknik analisis data menggunaan regresi linear berganda, kemudian diolah menggunakan sofware SPSS. Hasil penelitian ini menunjukan bahwa variabel yang digunakan yaitu variabel bagi hasil, kualitas pelayanan, promosi, lokasi dan pengetahuan berpengaruh positif terhadap minat menabung masyarakat muslim di Yogyakarta, sedagkan variabel persepsi tidak berpengaruh terhadap minat menabung masyarakat muslim di Yogyakarta.NIM.: 14820056 Aji Prasetyo2022-02-22T07:29:36Z2022-02-22T07:29:36Zhttp://digilib.uin-suka.ac.id/id/eprint/49530This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/495302022-02-22T07:29:36ZANALISIS PENGARUH FAKTOR EKSTERNAL BANK SYARIAH TERHADAP NON PERFORMING FINANCING (NPF) BANK UMUM SYARIAH DI INDONESIAIslamic banking at this time is one of the important things in the country's economy. Non-Performing Financing is one of the ratios considered by Islamic banking. NPF is an indicator that shows the risk of loss due to financing. The worsening NPF ratio means that Islamic banks have a high level of non-performing financing. This study aims to analyze the influence of internal and external factors on the NPF of Islamic banks in Indonesia. Hypothesis testing using BI Rate, Tutuk Value, GDP, ROA and FDR as the independent variables and the NPF ratio as the dependent variable. The population in this study consisted of 8 Islamic banks in Indonesia. The sample used in this study is the annual financial statements of Bank Syariah Mandiri, Bank Muamalat Indonesia, BRI Syariah, Bank Panin dubai and Bank Syariah Bukopin Syariah for the period 2010-2020 as well as data on exchange rates against the United States dollar, BI Rate, GDP using the purposive method. sampling. The data used is secondary data obtained from financial statements that can be downloaded from the official website of each bank and the official website of Bank Indonesia. The analytical method used is multiple regression with a significance level of 5%. The results showed that partially ROA had a significant positive effect on the NPF of Islamic banks. For the FDR, Bi Rate, GDP and exchange rate variables partially have no effect on NPF. Simultaneously or together the BI Rate, Foreign Exchange Rate, GDP, ROA and FDR variables. The regression estimation results show the predictive ability of the model is 16.27%, while the remaining 83.73% is influenced by other factors outside the model that have not been included in this study.NIM.: 14810099 Sarifudin Latif2022-02-22T02:15:25Z2022-02-22T02:15:25Zhttp://digilib.uin-suka.ac.id/id/eprint/49526This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/495262022-02-22T02:15:25ZMANAJEMEN RISIKO PEMBIAYAAN MURABAHAH
(STUDI KASUS DI BPRS BANGUN DRAJAT WARGA YOGYAKARTA)Bank syariah pada umumnya sudah menggunakan akad murabahah sebagai
metode pembiayaan yang utama. Begitu juga BPR Syariah BDW Yogyakarta
produk murabahah merupakan yang paling banyak disalurkan dananya untuk
pembiayaan. Menurut Mamduh M Hanafi semakin tinggi tingkat penyaluran dana
pembiayaan tersebut maka akan berpengaruh juga terhadap risiko yang akan
terjadi apabila tidak menerapkan manajemen risiko pembiayaan dengan baik dan
profesional. Oleh karena itu, BPR Syariah BDW Yogyakarta wajib menerapkan
manajemen risiko yang bertujuan untuk meminimalisir risiko pembiayaan
murabahah yang apabila terjadi risiko akan berakibat menikatnya rasio Non
Performing Financing (NPF), yaitu rasio pembiayaan bermasalah terhadap total
pembiayaan.
Penelitian ini bertujuan untuk menggambarkan praktik implementasi
manajemen risiko pada transaksi pembiayaan murabahah, mengetahui faktorfaktor
yang menimbulkan pembiayaan murabahah bermasalah dan mengetahui
penanganan transaksi pembiayaan murabahah bermasalah di BPR Syariah BDW
Yogyakarta. Penelitian ini menggunakan metode kualitatif, adapun yang menjadi
objek dalam penelitian ini adalah implementasi manajemen risiko pembiayaan
murabahah pada BPR Syariah BDW Yogyakarta. Metode pengambilan data
dalam penelitian ini menggunakan teknik wawancara, observasi dan dokumentasi.
Metode analisis data yang digunakan yaitu reduksi data atau mengambil hal-hal
yang sesuai dengan tema yang diambil, penyajian data kemudian pengambilan
kesimpulan.
Hasil dari penelitian ini yaitu implementasi manajemen risiko pembiayaan
murabahah di BPR Syariah BDW Yogyakarta dimulai dari mekanisme pengajuan
pembiayaan murabahah yang dilaporkan oleh Account Officer dalam bentuk
proposal pengajuan pembiayaan setelah dilakukannya analisis pembiayaan
murabahah terhadap pengajuan pembiayaan murabahah dengan prinsip 5C dan
prinsip syariah sebagai prinsip kehati-hatian dalam menentukan kelayakan calon
nasabah, faktor-faktor yang menjadi timbulnya pembiayaan murabahah
bermasalah di BPR Syariah BDW Yogyakarta ada dua yaitu faktor internal dan
faktor eksternal, penanganan pembiayaan murabahah bermasalah di BPR Syariah
BDW Yogyakarta dapat dikategorikan dua macam yakni upaya penyelamatan dan
upaya penyelesaian.NIM.: 17102040104 Miqdad Al Aqwa2022-02-18T04:54:14Z2022-02-18T04:54:14Zhttp://digilib.uin-suka.ac.id/id/eprint/49394This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/493942022-02-18T04:54:14ZPENGARUH NON PERFORMING FINANCING (NPF), EFISIENSI OPERASIONAL, DAN GOOD CORPORATE GOVERNANCE (GCG) TERHADAP RETURN ON ASET (ROA)
(Studi Pada BPRS Di Pulau Jawa Periode 2019-2020)Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh Non Performing Financing (NPF), Efisiensi Operasional yang diproyeksikan dengan Biaya Operasional Pendapatan Operasional (BOPO), dan Good Corporate Governance (GCG) yang diproyeksikan dengan menggunakan ukuran dewan direksi terhadap Return On Asset (ROA).
Data yang digunakan dalam penelitian ini adalah data sekunder yang diperoleh dari laporan publikasi Otoritas Jasa Keuangan (OJK) BPRS di Pulau Jawa Periode 2019-2020. Populasi penelitian ini adalah BPRS di Pulau Jawa Periode 2019-2020. Penentuan sampel menggunakan metode purposive sampling dan terdapat 101 BPRS yang memenuhi kriteria sebagai sampel penelitian. Teknis analisis data yang digunakan adalah Regresi Linier Berganda dengan menggunakan SPSS 24.0.
Dari hasil penelitian ini adalah Non Performing Financing (NPF) berpengaruh negatif, Biaya Operasional Pendapatan Operasional (BOPO) berpengaruh negatif, dan Good Corporate Governance (GCG) berpengaruh positif terhadap Return On Asset (ROA). Serta hasil pengujian Non Performing Financing (NPF), Biaya Operasional Pendapatan operasional (BOPO), dan Good Corporate Governance (GCG) menunjukkan hasil bahwa secara simultan berpengaruh signifikan terhadap Return On Asset (ROA) di Pulau Jawa periode 2019-2020.NIM.: 17102040033 Dea Amelia Sevtiana2022-01-18T04:21:59Z2022-01-18T04:21:59Zhttp://digilib.uin-suka.ac.id/id/eprint/48637This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/486372022-01-18T04:21:59ZHIJRAH INTENTION DAN KEPUASAN DALAM
MODEL HUBUNGAN RELIGIOSITAS DAN
LOYALITAS NASABAH BANK SYARIAH: STUDI
PADA NASABAH BANK SYARIAH DI INDONESIALoyalitas nasabah bank syariah merupakan perilaku konsumen
yang sangat penting bagi keberlangsungan bank syariah. Sejumlah
penelitian terdahulu menunjukkan research gap terkait model
loyalitas dan pengaruh religiositas pada loyalitas nasabah. Untuk
mengisi gap dalam penelitian-penelitian sebelumnya, penelitian ini
menawarkan variabel baru, hijrah intention, sebagai variabel mediasi
pada model loyalitas nasabah bank syariah. Penelitian ini bertujuan
untuk (1) mengonstruksi definisi dan operasionalisasi variabel hijrah
intention; (2) menganalisis pengaruh langsung variabel religiositas,
kepuasan dan hijrah intention terhadap loyalitas nasabah bank syariah;
(3) menganalisis peran mediasi kepuasan dan hijrah intention pada
relasi antara religiositas dan loyalitas nasabah bank syariah; (4)
menganalisis peran mediasi hijrah intention pada relasi antara
religiositas dan kepuasan nasabah bank syariah.
Penelitian disertasi ini menggunakan mixed methods dengan
pendekatan campuran sekuensial eksploratori (exploratory sequential
mixed methods) yang terdiri dari dua fase, yaitu fase 1 (kualitatif) dan
fase 2 (kuantitatif). Dari populasi seluruh nasabah bank syariah di
Indonesia, 360 responden telah diambil sebagai sampel dengan
menggunakan teknik convenience sampling. Untuk mendapatkan data
primer digunakan teknik wawancara (fase 1) dan kuesioner (fase 2).
Pada fase 1, instrumen variabel hijrah intention diuji validitasnya
dengan membandingkan nilai r hitung dengan r tabel untuk degree of
freedom (df) = n -2, dan reliabilitasnya dengan uji statistik cronbach
alpha (α) menggunakan software SPSS. Pada fase 2, uji validitas dan
reliabilitas indikator konstruk dan hubungan antarkonstruk dilakukan
dengan menggunakan convergent validity, discriminant validity, dan
composite reliability. Hipotesis dan model penelitian dianalisis
dengan Structural Equational Modeling (SEM) berbasis component
dengan menggunakan software SmartPLS versi 3. Hasil pengujian
hipotesis penelitian menunjukkan bahwa (1) hijrah intention
berpengaruh positif signifikan terhadap kepuasan; (2) hijrah
intention berpengaruh positif signifikan terhadap loyalitas; (3) kepuasan berpengaruh positif signifikan terhadap loyalitas; (4)
religiositas berpengaruh positif signifikan terhadap hijrah intention
(5) religiositas tidak berpengaruh terhadap kepuasan; (6) religiositas
berpengaruh negatif terhadap loyalitas; (7) variabel kepuasan tidak
terbukti memediasi hubungan antara religiositas dan loyalitas; (8)
variabel hijrah intention terbukti memediasi hubungan antara
religiositas dan loyalitas; (9) variabel hijrah intention terbukti
memediasi hubungan antara religiositas dan kepuasan; (10) variabel
kepuasan terbukti memediasi hubungan antara hijrah intention dan
loyalitas.
Penelitian ini berhasil menjembatani research gap penelitianpenelitian
sebelumnya terkait relasi religiositas dan loyalitas dengan
membuktikan peran mediasi variabel hijrah intention dan kepuasan
pada relasi antara religiositas dan loyalitas. Secara lengkap, hasil
penelitian ini adalah sebagai berikut: (1) model loyalitas nasabah bank
syariah sangat didominasi peran variabel hijrah intention sebagai
variabel mediasi penuh (full mediation) pada relasi antara religiositas
dan kepuasan dan sebagai variabel mediasi parsial (partial mediation)
pada relasi antara religiositas dan loyalitas nasabah; (2) membuktikan
teori planned behavior bahwa intention merupakan prediktor kuat
terhadap perilaku konsumen. Intention dalam teori planned behavior
di-proksikan dengan hijrah intention dalam model loyalitas nasabah
bank syariah; hijrah intention disimpulkan sebagai variabel penentu
(determinant variabel) terhadap loyalitas nasabah bank syariah; (3)
hijrah intention dibentuk oleh indikator desire to hijrah, plan to hijrah
serta effort to hijrah; (4) definisi dan operasionalisasi variabel hijrah
intention. Implikasi hasil penelitian ini adalah: (a) secara teoretis,
memberikan kontribusi dalam mengembangkan model perilaku
konsumen perspektif Islam; (b) secara empiris, membuktikan bahwa
hijrah intention sebagai variabel yang dapat mengisi gap pengaruh
religiositas terhadap loyalitas nasabah bank syariah; memberikan
kontribusi pengembangan definisi dan operasionalisasi hijrah
intention sebagai salah satu faktor yang berpengaruh pada perilaku
konsumen sehingga dapat dijadikan referensi penelitian mendatang
melalui pengembangan model teoretis dan model empiris yang belum dapat diuji; (c) secara praktis, hasil penelitian ini merekomendasikan
bahwa bank syariah harus memfokuskan pada upaya promosi citra dan
peningkatan layanan sehingga mampu membangun relasi jangka
panjang dan dapat meningkatkan hijrah intention masyarakat ke bank
syariah; (d) pemerintah melalui Otoritas Jasa Keuangan (OJK) harus
meningkatkan literasi masyarakat dan mendorong tingkat inklusi
industri keuangan syariah. Tingkat literasi masyarakat yang semakin
tinggi dan tingkat inklusi bank syariah akan mampu menjadi magnet
pada masyarakat muslim ke arah gerakan hijrah ke bank syariah.NIM.: 1530316007 Fetria Eka Yudiana2022-01-18T04:12:06Z2022-01-18T04:12:06Zhttp://digilib.uin-suka.ac.id/id/eprint/48636This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/486362022-01-18T04:12:06ZDETERMINAN NIAT MENGGUNAKAN DIGITAL BANKING
PERBANKAN SYARIAH: PENGEMBANGAN UNIFIED
THEORY OF ACCEPTANCE AND USE OF TECNOLOGY 2
(UTAUT2)Penelitian disertasi ini bermaksud untuk menganalisis dan
memprediksi determinan terhadap niat perilaku dan perilaku
penggunaan digital banking perbankan syariah. Studi desertasi ini
melakukan pengembangan Unified theory of acceptance and use of
technology 2 (UTAUT2) yang terdiri dari ekspektasi kinerja,
ekspektasi usaha, pengaruh sosial, kondisi yang memfasilitasi, nilai
harga, motivasi hedonis, dan kebiasaan sebagai determinan untuk
memprediksi intensi dan perilaku penggunaan digital banking bank
syariah. Pengembangan yang dilakukan pada kajian disertasi ini
adalah mengintegrasikan ekstensi konstruk pemoderasi baru yaitu
gaya hidup islami ke dalam model UTAUT2 dengan tujuan
memprediksi pengaruh gaya hidup islami memperkuat atau
melemahkan variabel independen (pengaruh sosial, nilai harga, dan
kebiasaan) terhadap variabel dependen (intensi), serta penentu kuat
lemahnya peran niat perilaku terhadap perilaku aktual pada konteks
digital banking bank syariah di Indonesia.
Studi ini menggunakan 288 nasabah pengguna digital banking
bank syariah di seluruh Indonesia sebagai sampel. Pendekatan
kuantitatif digunakan dalam penelitian ini dengan Structural Equation
Model (SEM) sebagai model analisisnya, software yang digunakan
adalah SmartPLS versi 3.0. Hasil penelitian ini menunjukkan bahwa
ekspektasi kinerja, nilai harga, motivasi hedonis, dan kebiasaan
berpengaruh positif signifikan terhadap niat perilaku menggunakan
digital banking bank syariah. Sedangkan ekspektasi usaha, pengaruh
sosial dan kondisi yang memfasilitasi tidak berpengaruh terhadap niat
perilaku menggunakan digital banking perbankan syariah. Untuk
pengaruh langsung terhadap perilaku menggunakan digital banking
bank syariah, uji statistik membuktikan bahwa intensi, kondisi yang
memfasilitasi, dan kebiasaan berpengaruh positif signifikan terhadap
perilaku menggunakan digital banking perbankan syariah. Gaya hidup
islami terbukti signifikan positif memperkuat relasi pengaruh sosial
dan kebiasaan terhadap niat perilaku menggunakan digital banking
perbankan syariah. Sedangkan pada pengaruh niat perilaku terhadap This research dissertation has several implications: first,
theoretically, it contributes to the development of customers’ behavior
model by integrating Unified Theory of Acceptance and Use of
Technology 2 and Islamic life style as the moderator variable, in
particular in the context of behavioral intention to use sharia banks’
digital banking; second, empirically, it makes Unified Theory of
Acceptance and Use Technology 2 (UTAUT2) complete by
developing a model of sharia banks’ digital-banking-user customers.
The study proves that Islamic life style moderates the relation between
social influence and the habit of the intention of using digital banking;
third, practically, the study recommends an upgrade to new features
that are connected to other online transactions and an attachment of
Islamic philanthropy features such as zakat, alms, and waqf attached
in its digital banking.NIM.: 1430316007 Joko Setyono2022-01-18T03:55:27Z2022-01-18T03:55:27Zhttp://digilib.uin-suka.ac.id/id/eprint/48256This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/482562022-01-18T03:55:27ZPENGARUH MANFAAT, KEMUDAHAN TRANSAKSI, DAN KEPERCAYAAN TERHADAP MINAT NASABAH DALAM MENGGUNAKAN MOBILE BANKING BANK SYARIAH INDONESIA (STUDI PADA MAHASISWA DI YOGYAKARTA)In the current era of information technology, the behavior of customers or consumers has changed a lot in conducting banking transactions, where customers prioritize aspects of convenience, flexibility, efficiency, and simplicity. M-banking technology is one type of service provided by Bank Syariah Indonesia to its customers so that customers can conduct banking transactions anytime and anywhere at any time without having to come to the bank. This study aims to analyze the effect of benefits, ease of transactions, and trust on customer interest in using m-banking Bank Syariah Indonesia. The population in this study were students in Yogyakarta who used m-banking. The sampling technique used was purposive sampling. With the collection technique through an online questionnaire system (Google Form). Determination of the number of samples obtained in the amount of 100. This study uses quantitative data analysis techniques with the method of Structural Equating Model (SEM) Partial Least Square (PLS) analysis. The results of the analysis of this study indicate that the variable effect of benefits has no significant effect on the interest in using m-banking at Bank Syariah Indonesia. Meanwhile, the ease of transaction variables and the trust variable have a positive and significant effect on customer interest in using Indonesian Syariah Bank mobile banking. Customers using Indonesian Syariah Bank mobile banking.NIM.: 15820141 Wahyu Dwiyanto2022-01-13T03:08:44Z2022-01-13T03:08:44Zhttp://digilib.uin-suka.ac.id/id/eprint/48429This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/484292022-01-13T03:08:44ZPENGARUH VALUE ADDED INTELLECTUAL CAPITAL TERHADAP INKLUSI KEUANGAN BANK UMUM SYARIAH DI INDONESIAThe Islamic Economic Paradigm has intellectual property in the form of the principle of inclusiveness. However, in reality the inclusiveness of Islamic financial institutions still reflects a fairly strong gap. This study tries to analyze the effect of the Value Added Intellectual Capital (VAIC) component on financial inclusion. VAIC components consist of; Value Added Capital Employed (VACE), Value Added Human Capital (VAHC) and Value Added Structure Capital (VASC). Islamic financial inclusion in this study is measured by the amount of benevolent loan by the BUS and profit-sharing ratio to out standing financing disbursed by the BUS. The method used is data collection regression with a research sample of 5 Islamic Commercial Banks (BUS) in Indonesia in 2011-2020. The results of this study indicate that VACE has a positive influence on Islamic financial inclusion which is proxied by the number of benevolent funds. On the other hand, VAHC has a negative effect on the financial inclusion of Islamic banking. As for the three components that make up VAIC, VASC is the most dominant component in increasing BUS financial inclusion in Indonesia.NIM.: 19208010018 Iqbal Firmani, S.E.2022-01-12T07:24:18Z2022-01-12T07:24:18Zhttp://digilib.uin-suka.ac.id/id/eprint/48395This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/483952022-01-12T07:24:18ZANALISIS KOMPARASI RISIKO KEUANGAN PADA BANK UMUM KONVENSIONAL DAN BANK UMUM SYARIAH YANG ADA DI INDONESIA PERIODE TAHUN 2015-2019The purpose of this study is to compare the financial risk of banks in conventional commercial banks and Islamic public banks for the period of 2015 – 2019. The risks compared are credit risk, liquidity risk, operational risk ,market risk. In describing these various risks, several ratios are used, such as NPL and NPF, LDR and FDR, BOPO, and NIM and NOM. This research uses a sample of research, namely 10 Conventional Commercial Banks and 10 Islamic Commercial Banks during the period of 2015-2019. The analytical method used is the Independent Sample T-test for normally distributed data and the Mann Whitney test for data that are not normally distributed with the IBM SPSS program. The results of the analysis of credit risk, operational risk and market risk as measured by the ratio of NPL and NPF, BOPO, and NIM and NOM show differences. Meanwhile, the liquidity risk as measured by LDR and FDR does not show any difference.NIM.: 17108030069 Exsel Burham Pangestu2022-01-12T03:40:26Z2022-01-12T03:40:26Zhttp://digilib.uin-suka.ac.id/id/eprint/48363This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/483632022-01-12T03:40:26ZFAKTOR-FAKTOR YANG MEMPENGARUHI PERILAKU BERALIH LAYANAN DIGITAL BANKING DENGAN PENDEKATAN PUSH PULL MOORINGThis study aims to determine the effect of variables including Push Pull Mooring (PPM) on switching intention and switching behavior to islamic digital banking services. In this study, the data obtained through the distribution of questionnaires were distributed to as many as 100 respondents, namely sharia bank customers who switched from manual banking services to digital banking services. The analytical technique used in this study is Partial Least Square Structural Equation Modeling (PLS SEM) for testing the measurement model (validity and reliability) and structural model (relationship between constructs). The results of the study indicate that the driving factors in the form of pricing and involuntary switching have no significant effect on switching intention and switching behavior to islamic digital banking services. The pull factor in the form of alternative attractiveness and responsiveness have a significant effect on switching intention and switching behavior to islamic digital banking services. Mooring factor in the form of switching costs for switching intention and switching behavior to islamic digital banking services. Mooring factor in the form of switching costs moderate the influence of the driving factors in the form of pricing and involuntary switching on switching intention and switching behavior to Islamic digital banking services. Mooring factor in the form of switching costs moderate the influence of the pull factor in the form of alternative attractiveness and responsiveness on switching intention and switching behavior to Islamic digital banking services.NIM.: 17108020018 Ika Lutpika2022-01-12T02:22:31Z2022-01-12T02:22:31Zhttp://digilib.uin-suka.ac.id/id/eprint/48350This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/483502022-01-12T02:22:31ZANALISIS PENGARUH INTEGRATED MARKETING COMMUNICATION (IMC) TERHADAP DECISION MAKING MASYARAKAT MENGGUNAKAN PRODUK RAHN (STUDI KASUS NASABAH PT. BPRS BHAKTI SUMEKAR KCP RUBARU, SUMENEP- MADURA)The purpose of this research was to determine the effect of integrated marketing communication (X) on people's decision making (Y) using Rahn's products. IMC variables studied were advertising, sales promotion and public relations case studies on customers of PT. BPRS Bhakti Sumekar KCP Rubaru, Sumenep-Madura. The research was conducted using causal, quantitative, data sources and data collection tools through questionnaires to 58 samples. Data processing using SPSS 24. Data analysis technique using multiple linear regression analysis. The results showed that the variable Advertising (X1) and Public Relations (X3) had a significant positive effect on public decision making (Y) using Rahn's product, while sales promotion (X2) had no effect.NIM.: 16820124 Amin Yasin2022-01-05T03:29:22Z2022-01-05T03:29:22Zhttp://digilib.uin-suka.ac.id/id/eprint/47910This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/479102022-01-05T03:29:22ZPERLINDUNGAN PREVENTIF PERBANKAN DALAM MENJAGA
RAHASIA BANK
(STUDI TERHADAP PERJANJIAN KERJA DI BANK MUAMALAT
YOGYAKARTA)Sebagai suatu badan usaha yang dipercaya oleh masyarakat untuk
menghimpun dan menyelurkan dana masyarakat, sudah sewajarnya bank
memberikan jaminan perlindungan kepada nasabah berdasarkan
kerahasiaan bank. Pegawai dan pihak Teralifiliasi lainnya dari Bank wajib
untuk menjaga rahasia bank. Namun, Undang-Undang Nomor 10 Tahun
1998 tidak memberikan sebuah pengaturan mengenai kewajiban mantan
pegawai bank menjaga rahasia bank, kerahasiaan bank memunculkan
sebuah permasalahan yang cukup serius apabila terjadinya sebuah
kebocoran rahasia bank yang dilakukan oleh mantan pegawai bank, dan
berdampak pada kepercayaan masyarakat serta reputasi bank sebagai
lembaga keuangan yang mengelola dana dari masyarakat. Selain itu,
kebocoran rahasia bank juga bukan hanya pada keadaan keuangan nasabah
penyimpan dan simpanannya saja, melainkan hal lain yang penting bagi
pihak bank seperti sistem informasi teknologi yang di dalamnya terdapat
data penting perusahaan serta data mengenai nasabah dan aset-aset
lainnya. Oleh karena itu, terjadinya sebuah kekosongan hukum
kerahasiaan bank bagi mantan pegawai bank. berangkat dari permasalahan
tersebut penelitian ini berupaya menjawab pertanyaan tentang: Pertama,
Bagaimana Bank Muamalat melakukan upaya preventif dalam menjaga
rahasia bank?. Kedua, Apa saja kewajiban yang diatur dalam perjanjian
kerja bagi pegawai tersebut ?. Ketiga, Bagaimana ketentuan perjanjian
kerja di Bank Muamalat dalam perspektif Maqāṣid asy-syarī’ah ?.
Jenis penelitian yang digunakan dalam penelitian ini adalah jenis
penelitian (field research). Jenis pendekatan dalam penelitian ini adalah
normatif empiris yaitu penelitian hukum mengenai pemberlakuan
ketentuan hukum normatif (kodifikasi,undang-undang atau kontrak) secara
in action pada setiap peristiwa hukum tertentu yang terjadi dalam
masyarakat. Berdasarkan pendekatan tersebut dalam penelitian ini
menggunakan metode pengumpulan data dengan wawancara dan
dokumentasi.
Hasil penelitian ini disimpulkan sebagai berikut: perlindungan
preventif Bank Muamalat dalam menjagan rahasia bank, diberlakukan
dalam perjanjian kerja yang dalam hal ini adalah berlaku atas ketentuan
hukum yang mengikat dari para pihak. Kewajiban yang diberikan Bank
Muamalat dalam perjanjian kerja terkait penjagaan rahasia bank adalah
memberikan kewajiban bagi pegawai dan mantan pegawai dalam menjaga
rahasia bank, serta memberikan kewajiban untuk menjaga kepercayaan
nasabah sesuai dengan Undang-Undang Perbankan Syariah No 21 Tahun
2008. Ketentuan perjanjian kerja berdasarkan maqasid syariah pemikiran
Jasser Auda terhadap hasil penerapan Maqāsid pada objek kajian yaitu
perjanjian kerja yang mengandung sebuah kemaslahatan yang berada pada
daruriyyat, hajiyyat, dan tahsiniyyat. Namun, ketentuan perjanjiaan kerja
yang terdapaat pada Bank Muamalat Yogyakarta, masuk dalam kategori kemaslahatan taḥsīniyyāt kerena dalam perjanjian kerja tidak terdapat
sebuah ketentuan sanksi bagi siapa saja yang terikat dalam perjanjian kerja
dan hanya sebuah kewajiban untuk menjaga rahasia bank, dan dalam
dharuriyat itu cakupannya Maqaṣid Ammah, yaitu perjanjian kerja Bank
Muamalat sudah sesuai dengan asas-asas perjanjian secara umum dan
asas-asas perjanjian syari’ah. Maqāṣid Khassah, bahwa perjanjian kerja
yang dibuat oleh Bank Muamalat tidak bertentangan dengan ketentuan
Undang-Undang yang berlaku serta mengandung sebuah kemaslahatan
dari para pihak yang melakukan perjanjian, dan Maqasid al-juz ‘iyyah,
yaitu untuk mengisi sebuah kekosongan hukum terkait rahasia bank.NIM.: 17203010061 Ayu Franita Putri2022-01-05T03:23:04Z2022-01-05T03:23:04Zhttp://digilib.uin-suka.ac.id/id/eprint/47909This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/479092022-01-05T03:23:04ZJAMINAN FIDUSIA DALAM TRANSAKSI AKAD
MURABAHAH DI BANK NTB SYARIAH BIMADalam penulisan tesis ini penulis membahas
mengenai masalah jaminan fiduisa dalam transaksi akad
murabahah. Di mana Bank NTB Syariah di Bima dalam
memberikan pinjaman kredit kepada nasabah
menggunakan strategi perjanjian yang mengikutkan
adanya jaminan fidusia, kemudian tidak mendaftarkan
untuk mendapatkan sertifikat jaminan fidusia hanya dibuat
dengan jaminan fidusia di bawah tangan. Hal ini
dilatarbelakangi dilihat dari sejak lahirnya perjanjian yang
mengikatkan jaminan fidusia, yurisprudensi sampai
diaturnya jaminan fidusia dalam Undang-Undang Jaminan
Fidusia Pasal 11 ayat (1) menyatakan benda yang dibebani
dengan jaminan fidusia wajib didaftarkan, masih terjadi
banyak perlanggaran dalam praktenya. Di dalam
prakteknya di Bank NTB Syariah di Bima terdapat
pelanggaran yang dilakukan Bank NTB Syariah di Bima
maupun nasabah adalah tidak melakukannya pendaftaran
jaminan fidusia, terjadi eksekusi dibawah tangan terhadap
objek jaminan fidusia, timbul pelanggaran-pelangaran
sehingga menimbulkan akibat hukum yang akan
merugikan nasabah dan Bank NTB Syariah di Bima.
Jenis penelitian ini mengunakan hukum
Yuridis_Empiris atau lapangan yaitu yang menganalisis
praktek pelaksanaan suatu hukum dalam masyarakat serta
dinamika permasalahan yang ditemui dalam penerapan
hukum. Kemudian dilakukan dengan cara melakukan
penelitian langsung ke Bank NTB Syariah Bima,
sedangkan motode tekhnik analisis data yang
menggunakan deskripstif kualitatif. Dalam metode analisis
data yang digunakan penulis menggunakan metode
pustakaan, wawancara dan dokumentasi.
Hasil penelitian penulis menunjukan bahwa hukum
yang bisa mendatangkan ketidak pastian dan keributan
pada masyarakat harus dihindari melalui Undang-Undang.
Pihak Bank NTB Syariah di Bima dan nasabah harus
membuat akta jaminan fidusia dan segera mendaftarkan jaminan fidusia tersebut melalui Notaris, Notaris membuat
Akta Notariil dan didaftarkan kepada Kantor Kementerian
Hukum dan Hak Asasi Manusia, agar memiliki kekuatan
eksekutorial, di samping itu Bank NTB Syariah Bima akan
memperoleh hak preferen. Bilamana jaminan fidusia
dibawah tanggan dan tidak didaftarkan sesuai ketentuang
perundang-undangan, maka tidak memiliki ketentuan
eksekutorial, dan hak preferen serta dapat menjadi batal
demi hukum. Penyelesaian sengketa jaminan fidusia
dalam akad murabahah oleh Bank NTB Syariah Bima
sudah tepat yaitu mengedepankan terlebih dahulu lewat
tindakan-tindakan penyelamatan secara maksimal
meskipun beberapa sengketa jaminan fidusia murabahah
antara nasabah dan pihak Bank NTB Syariah Bima lebih
banyak nasabah yang melakukan keterlambatan dalam
memenuhi kewajiban dalam melunasi angsuran sehingga
akan menimbulkan masalah. Akan tetapi pihak Bank NTB
Syariah Bima langsung mengantipasinya dengan tindakantindakan
penyelamatan.NIM.: 17203010058 Rahmawati, S.H.2022-01-03T07:29:12Z2022-01-03T07:29:12Zhttp://digilib.uin-suka.ac.id/id/eprint/47675This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/476752022-01-03T07:29:12ZDETERMINAN MINAT MASYARAKAT DALAM MEMILIH PENGAJUAN PEMBIAYAAN ATAU KREDIT (STUDI KASUS PADA BANK BSI DAN BANK BRI DI MAGELANG)This study aims to determine what factors are differentiating public interest in choosing a financing or credit application. The independent variables in this study are public trust, bank location, bank services, and the rate of return. While the dependent variable is public interest in choosing a financing or credit application. The sample in this study consisted of 50 people who had or will recently plan to apply for financing at Bank BSI and 50 people who have or will recently plan to apply for credit at Bank BRI. Sources of data used in this study is primary data collected through questionnaires. The data analysis technique used in this research is discriminant analysis. The results of this study indicate that the variables of bank location and bank services have an influence on differences in public interest in choosing financing applications at BSI Bank or public interest in choosing credit applications at BRI Bank. While the variables of public trust and the rate of return have no effect on differences in public interest in choosing financing applications at BSI Bank or public interest in choosing credit applications at BRI Bank.NIM.: 17108030038 Siska Yuli Setyorini2022-01-03T07:28:20Z2022-01-03T07:28:20Zhttp://digilib.uin-suka.ac.id/id/eprint/47664This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/476642022-01-03T07:28:20ZKOINTEGRASI BUNGA BANK KONVENSIONAL DAN BAGI HASIL BANK SYARIAH PERIODE JANUARI 2017 SAMPAI FEBRUARI 2021This study attempts to empirically analyze cointegration between islamic bank deposit profit and loss sharing and conventional bank deposit rate in Indonesia, using monthly data from Januari 2017 to February 2021. VECM (Vector Error Correction Model) is used to analysis data. The analysis shows that there is cointegration between conventional and sharia bank deposit return. Shock of conventional deposit rate influence the fluctuation of sharia deposit return and vice versa. Shock of sharia deposit return has less contribution to explain the fluctuation of conventional deposit rate in all deposit model (1 month deposit, 3-month deposit, 6-month deposit, and 12-month deposit) than shock of conventional deposit rate explain the fluctuation of sharia deposit return. It happens because market share of conventional banking is larger than sharia banking. Therefore, if there is shock in sharia deposit return, it does not influence much to explain the fluctuation of conventional deposit rate.NIM.: 15830082 Ardhi2021-11-24T07:47:41Z2021-11-24T07:47:41Zhttp://digilib.uin-suka.ac.id/id/eprint/45163This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/451632021-11-24T07:47:41ZTANGGUNG JAWAB BORGTOCHT DALAM PERJANJIAN
KREDIT PERBANKAN YANG MENGALAMI MACETIndividual guarantees (Borgtocht) in practice can provide additional confidence to creditors (banks) to extend credit to debtors. If there is a bad credit problem, then the person who is the guarantor (Borgtocht) is also responsible, namely the guarantor (Borgtocht) must pay the debtor's debt if the debtor no longer has the ability or the debtor has absolutely no assets that can be confiscated. The purpose of this research is to describe and analyze: (1) the legality and legal consequences of the borgtocht agreement in bank credit; (2) the responsibility of the individual guarantor (Borgtocht) if the debtor experiences bad credit.
This type of research is library research (literature study). This type of research uses normative juridical. The nature of the research is descriptive analytical. The approach used in this research is the statute approach and the case approach. Data collection techniques using literature study by collecting primary and secondary legal materials. The data analysis technique used descriptive qualitative.
The results of the study concluded that: First, the borgtocht agreement in bank credit is considered valid if the agreement meets the requirements stated in Article 1320 of the Civil Registry, namely: (1) there is an agreement to make an engagement; (2) the parties have the ability to make an engagement; (3) The contents of the agreement contain a certain subject (borgtocht); (4) A cause which is not prohibited (the borgtocht agreement is not prohibited by law). The borgtocht agreement has legal consequences binding the parties that make it a law (Article 1338 paragraph (1) of the Civil Code). Second, the guarantor (borgtocht) must pay the debtor's debt to the creditor (bank) if the debtor experiences bad credit. However, if the debtor (who is given a guarantee) is deemed guilty (negligent), then the guarantor is not obliged to pay it (Article 1831 of the Civil Code). If the guarantor (borgtocht) has released its privileges to demand that the secured debtor's property be repaid, the debt settlement mechanism, namely: (a) the debtor's assets are confiscated and used first to pay off the debt; (b) if the property is not sufficient to pay off the debt, then the guarantor (borgtocht) is also responsible for paying off the debtor's debt. If there is no clause regarding the distribution of the size of the collateral in the borgtocht agreement), the first guarantor will first be responsible for the credit that must be repaid. If the assets of the first guarantor are not sufficient to pay off the credit, then the second guarantor is responsible for repayment of the credit.
Keywords: Responsibility, Borgtocht, Agreement, Bad creditNIM.: 17103040037 Akbar Pallasaron Ramamurakabi2021-11-19T03:04:02Z2021-11-19T03:04:02Zhttp://digilib.uin-suka.ac.id/id/eprint/47008This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/470082021-11-19T03:04:02ZIMPLEMENTASI PEMASARAN SYARIAH DALAM MENINGKATKAN
KEPERCAYAAN MASYARAKAT TERHADAP PENINGKATAN
JUMLAH NASABAH BPRS BANGUN DRAJAT WARGA YOGYAKARTAIn this modern era, banking system is getting progress since islamic banking system
in it. It makes indonesian banking system is not focus on convensional banking
system. Islamic banking is rule of banking program based on islamic principles that
completely clear from usury system in it. Based on its development each year,
islamic banking is getting much progress. Although there must be a lot of obstacles
specialy on the marketing system. The strategy is need to make sure that islamic
banking is welcome by the sociaty. BPRS Bangunn Drajat Warga is one of bank
which is concent on islamic banking, a fair and focus strategy will be achievement
on product marketing. The research methods are interview to the employee and
literature study by learning a book or another sources related to this research. The
value of this research is BPRS Bangun Drajat Warga apply the marketing mix
strategy such as place, product, price, and promotion to promote its product. The
proposition of marketing that BPRS Bangun Drajat Warga deal with are custemer
knowledgeless about islamic system, intense competition between existing banks.
The solving problem about those propositions increasing promotion quality, selling
skills training for the employee and social education.NIM.: 14820173 Wahyu Jawadul Ilhami2021-11-17T08:15:05Z2021-11-17T08:15:05Zhttp://digilib.uin-suka.ac.id/id/eprint/46914This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/469142021-11-17T08:15:05ZANALISIS KINERJA BANK UMUM SYARIAH DEVISA DI INDONESIA
MENGGUNAKAN PENDEKATAN MAQASHID SYARIAH INDEX
PERIODE 2016-2018In general, Islamic banking in Indonesia still uses the same performance
measurement as conventional banks and has not implemented the maqashid sharia
index concept. The research objective is to see how far the performance of Islamic
Foreign Exchange Commercial Banks in terms of the performance of the
Maqashid Syariah Index and analysis of performance comparisons between the
Maqashid Syariah Index and the financial performance ratios of Foreign
Exchange Islamic Commercial Banks in Indonesia for the period 2016-2018.
The method in this study uses a quantitative descriptive method where the
data used was secondary panel data from the annual banking reports for the 2016-
2018 period. This study used a sample of 5 Islamic Foreign Exchange
Commercial Banks registered with the Financial Services Authority including
Mandiri Sharia Bank, BNI Sharia, Muamalat Indonesia Bank, MayBank Sharia
and Mega Sharia Bank. The financial performance ratios use the ratio of ROA,
ROE, DER, BOPO, and NOM. Data analysis in this study used the Simple
Additive Weighting (SAW) method and krusskal wallis comparatif nonparametric
analysis.
The results showed that the performance of Islamic banking in the first
rank was obtained by Maybak Sharia and Mega Sharia Bank with the lowest
score. However, the results of the financial performance ratio show that BNI
Sharia has an average value in the first rank and Muamalat Sharia Bank with the
lowest average value. The results of the krusskal wallis comparatif nonparametric
analysis show that obtained the asym.sig value of 0.000 <0.05, it’s means there
were significant differences between the five financial performance ratios (ROE,
ROA, DER, BOPO, and NOM) and the SMI performance (p value 0,000 <0.05).NIM.: 17208011008 Agung Wahyudi2021-11-17T02:39:14Z2021-11-17T02:39:14Zhttp://digilib.uin-suka.ac.id/id/eprint/46800This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/468002021-11-17T02:39:14ZPENGARUH PERIKLANAN, PROMOSI PENJUALAN, PENJUALAN PERSONAL, PEMASARAN LANGSUNG, WORD OF MOUTH, DAN KUALITAS PELAYANAN TERHADAP KEPUTUSAN MENABUNG DI BANK SYARIAH
( STUDI KASUS PADA MAHASISWA MAHASISWI DI PROVINSI YOGYAKARTA)This study aims to determine the effect of advertising, sales promotion, personal selling, direct marketing, word of mouth, and service quality on the decision to save in a case study Islamic bank to the people in the Special Region of Yogyakarta. This research is a causal study which aims to determine whether one variable can influence other variables. The sample in this study were 100 respondents using the convenience sampling method. The data in this study were obtained through a questionnaire distributed by online method to female students studying in Yogyakarta province. The data analysis method used in this research is validity test, reliability test, classical assumption test, and multiple linear regression analysis with IBM SPSS 21. The results of this study indicate that advertising has a significant positive effect on the decision to save in Islamic banks. Sales promotion has no effect on the decision to save in Islamic banks. Personal selling has no effect on the decision to save in Islamic banks. Direct marketing has a significant positive effect on the decision to save at Islamic banks. Word of Mouth has a significant positive effect on the decision to save in Islamic banks. Service quality has a significant positive effect on the decision to save at Islamic banks.NIM.: 17108020118 Anita Wika Rizkia2021-11-17T02:07:39Z2021-11-17T02:07:39Zhttp://digilib.uin-suka.ac.id/id/eprint/46813This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/468132021-11-17T02:07:39ZANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI NIAT NASABAH DALAM MENGGUNAKAN MOBILE BANKING PADA MASA PANDEMI DENGAN LOCUS OF CONTROL SEBAGAI VARIABEL MODERASITo suppress the spread of Coronavirus Disease (COVID-19) the government imposed restrictions on physical contact. As for the world of banking, this restriction is by diverting offline transactions to online transactions. One of them is by using Islamic mobile banking. The development of mobile banking users is increasingly being intensified because it can be done anywhere, anytime and can make time efficient.
The purpose of this study is to determine whether the factors contained in the Theory Of Planned Behavior which include Attitudes, Subjective Norms and Behavioral Controls can have an influence on customer intentions in using mobile banking by adding Locus Of Control as a moderating variable. The population in this study were all users or prospective users of Islamic mobile banking in Indonesia. Sampling was done using incidental sampling technique, with the number of samples used in this study were 150 respondents. The analytical technique used is the SEM SmartPLS version 3.0 model as an analytical tool.
The results of this study explain that Subjective Attitudes and Norms have an influence in determining the intention to use Islamic mobile banking. Meanwhile, Behavioral Control has no effect on the intention to use mobile banking. In addition, this study also explains that locus of control cannot moderate the relationship between attitudes, subjective norms or behavioral control.To suppress the spread of Coronavirus Disease (COVID-19) the government imposed restrictions on physical contact. As for the world of banking, this restriction is by diverting offline transactions to online transactions. One of them is by using Islamic mobile banking. The development of mobile banking users is increasingly being intensified because it can be done anywhere, anytime and can make time efficient.
The purpose of this study is to determine whether the factors contained in the Theory Of Planned Behavior which include Attitudes, Subjective Norms and Behavioral Controls can have an influence on customer intentions in using mobile banking by adding Locus Of Control as a moderating variable. The population in this study were all users or prospective users of Islamic mobile banking in Indonesia. Sampling was done using incidental sampling technique, with the number of samples used in this study were 150 respondents. The analytical technique used is the SEM SmartPLS version 3.0 model as an analytical tool.
The results of this study explain that Subjective Attitudes and Norms have an influence in determining the intention to use Islamic mobile banking. Meanwhile, Behavioral Control has no effect on the intention to use mobile banking. In addition, this study also explains that locus of control cannot moderate the relationship between attitudes, subjective norms or behavioral control.NIM.: 17108020111 Irawati2021-11-16T07:57:33Z2021-11-16T07:57:33Zhttp://digilib.uin-suka.ac.id/id/eprint/46795This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/467952021-11-16T07:57:33ZPENGARUH FAKTOR PSIKOLOGIS TERHADAP MINAT MENABUNG DI BANK SYARIAH DENGAN RELIGIUSITAS SEBAGAI VARIABEL MODERASI (STUDI KASUS PADA MASYARAKAT KABUPATEN BANYUMAS, JAWA TENGAH)This study aims to analyze the effect of Motivation, Perception, Knowledge,
Beliefs, and attitudes on the saving interest of Banyumas Regency people in Islamic
banks using religiosity as a moderating variable. This study uses quantitative
methods. The sampling technique uses the theory from J.F. Hair. The number of
respondents was 125 people from 1,665,025 people of Banyumas Regency. The
analysis of this research uses the Structural Equation Model-Partial Least Square
method with Smart PLS 3.3.3. This study concludes that Motivation (X1), Beliefs,
and Attitudes (X4) affect the interest in saving, while Perception (X2), Knowledge
(X3) do not affect the interest in saving. In conclusion, the aspect of religiosity can
moderate the Beliefs and Attitudes, while Motivation, Perception, Knowledge
cannot be moderated by religiosity.NIM.: 17108020028 Aribi Zainul Umam2021-11-16T04:33:40Z2021-11-16T04:33:40Zhttp://digilib.uin-suka.ac.id/id/eprint/46777This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/467772021-11-16T04:33:40ZPENGARUH PELATIHAN, BUDAYA ORGANISASI, SELF-REGULATED LEARNING, DAN KARAKTERISTIK PERSONAL TERHADAP KOMPETENSI KARYAWAN
(Studi Kasus Bank Syariah Mandiri Area Yogyakarta)This study explain to determine the effect of training, organizational culture, self-regulated learning, and personal characteristics on employee competence of the case study at the BSM Area Yogyakarta. The population in this study were all employees of BSM Area Yogyakarta. Sampling in this study used a saturated sample of 75 employees. Primary data in this study using 68 questionnaires that can be processed. The analytical tool used in this study is multiple linier regression. The result of this study indicate that training, organizational culture, self-regulated learning, and personal characteristics simultaneously have a positive effect on employee performance. Partially training variabel has a positive and significant effect on employee competence with a t count 2,575 > t table 1,998 and significance value 0.012 < 0.05. The variable organizational culture has not effect and significant effect on employee competence with a t count 0,311< t table 1,998 and significance value 0.757 > 0.05. Self-regulated learning variable has a positive and significant effect on employee competence with a t count 2,171 > 1,998 and significance value 0.034 < 0.05. Personal characteristics variable has a positive and significant effect on employee competence with a t count 9,047 > 1,998 and significance value 0.000 < 0.05.NIM.: 17108020087 Rosihaturrosyidah2021-11-16T04:17:05Z2021-11-16T04:17:05Zhttp://digilib.uin-suka.ac.id/id/eprint/46768This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/467682021-11-16T04:17:05ZPENGARUH KECERDASAN EMOSIONAL, SELF-EFFICACY, DAN SELF-ESTEEM TERHADAP KINERJA KARYAWAN
(STUDI KASUS PADA BPD DIY SYARIAH YOGYAKARTA)This study aims to determine the effect of emotional intelligence, self-efficacy, and self-esteem on the performance of employees of Bank BPD DIY Syariah in Yogyakarta. The research method used is a quantitative method. The sample in this study amounted to 36 respondents. The sampling technique used was purposive sampling technique. The data collection method used was a questionnaire with multiple linear regression data analysis tools through IBM SPSS Statistics 20. The results showed that the emotional intelligence variable had no effect on employee performance. While the variables self-efficacy and self-esteem have a positive and significant effect on employee performance at Bank BPD DIY Syariah Yogyakarta.NIM.: 17108020071 Nur Afiqah Suraya Niza2021-11-16T02:54:56Z2021-11-16T02:58:02Zhttp://digilib.uin-suka.ac.id/id/eprint/46740This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/467402021-11-16T02:54:56ZPENGARUH DESAIN KERJA, DISIPLIN KERJA, DAN LINGKUNGAN KERJA TERHADAP KINERJA KARYAWAN PADA MASA PANDEMI CORONA VIRUS DISEASE COVID - 19
(Studi Kasus Pada BPRS Madina Mandiri Sejahtera Yogyakarta)This study aims to determine the effect of work design, work discipline, and work environment on employee performance during the COVID-19 epidemic, a case study of BPRS Madina Mandiri Sejahtera Yogyakarta. This research is quantitative in nature with the aim of testing predetermined hypotheses. The technique of taking in this research is saturated sample, where the entire population is a sample of 33 employees. The data in this study were obtained from distributing questionnaires to employees. The data analysis method used is validity test, reliability test, classical assumption test, multiple linear regression analysis test and hypothesis testing using the IBM SPSS Version 25 application. The results of the research processed by the SPSS version 25 program show that the R square value is 0.505 or by 50.5%. This means that 50.5% of the variation in employee performance during the Covid-19 pandemic can be explained by variations of the three independent variables of work design, work discipline, and work environment. While the rest (100% -50.5% = 49.5%) is explained by reasons other than the model. The results of this study (T test) state that work design and work environment do not have a significant effect on employee performance during the Covid-19 pandemic. Work discipline has a positive and significant effect on employee performance during the Covid-19 pandemic, a case study of BPRS Madina Mandiri Sejahtera Yogyakarta. The results (F test) show that work design, work discipline, and work environment simultaneously have a positive and significant effect on employee performance during the Covid-19 pandemic case study of BPRS Madina Mandiri Sejahtera Yogyakarta.NIM.: 17108020013 Ringga Pranata2021-11-16T02:44:39Z2021-11-16T02:44:39Zhttp://digilib.uin-suka.ac.id/id/eprint/46734This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/467342021-11-16T02:44:39ZPENGARUH LATAR BELAKANG PENDIDIKAN, PENGALAMAN KERJA, KEPRIBADIAN, DAN LINGKUNGAN KERJA TERHADAP KINERJA
KARYAWAN (STUDI KASUS BANK MADINA SYARIAH YOGYAKARTA)This study aims to determine the effect of education background, work experience, personality, and work environment on employee performance in the case study of Bank Madina Syariah Yogyakarta. This research is quantitative in nature with the aim of testing predetermined hypotheses. The samping technique used was saturated sample, where the entire population was sampled, amounting to 33 employees. The date in this study were obtained through distributing questionnaires and the interview process. The date analysis methods used are validity and reliability test classical assumption test, and hypothesis testing using the IBM SPSS version 23 application.
The result f this study indicate that simultaneously, the variable f educational background, work experience, personality, and work environment effect employee performance. As for the parsial, it shows that educational background work experience, and personality do not have a significant effect on employeeperformance, while the work environment has a significant effect n employee performance at Bank Madina Syariah Yogyakarta.NIM.: 17108020008 Titik Husnawati Amini2021-11-15T07:52:53Z2021-11-16T01:50:19Zhttp://digilib.uin-suka.ac.id/id/eprint/46691This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/466912021-11-15T07:52:53ZPENGARUH MARKETING MIX TERHADAP KEPUTUSAN MENJADI NASABAH BANK MUAMALAT KANTOR CABANG PEMBANTU YOGYAKARTA DI ERA PANDEMI COVID 19Populasi dalam penelitian ini merupakan seluruh masyarakat yang menjadi nasabah di BMI KC Kota Yogyakarta. Sampel yang digunakan pada penelitian ini adalah 100 responden. Metode pengumpulan data dengan menggunakan metode kuesioner dengan skala likert yang mengukur variable-variabel marketing mix terhadap keputusan menabung di BMI KC Kota Yogyakarta. Analisis data menggunakan regresi linier berganda. Seluruh data diolah dan dianalisis dengan menggunakan SPSS versi 25.
Dari penelitian ini (Uji T) menyatakan bahwa lokasi, orang, bukti fisik, dan proses memiliki pengaruh yang positif terhadap keputusan masyarakat menggunakan produk Bank Muamalat KC Kota Yogyakarta. Sedangkan produk, harga, promosi tidak memiliki pengaruh positif dan tidak signifikan terhadap keputusan nasabah menggunakan produk Bank Muamalat KC Kota Yogyakarta. Hasil (Uji F) menunjukkan bahwa produk, harga, tempat, promosi, orang, proses, dan tempat fisik secara simultan berpengaruh positif dan signifikan terhadap keputusan masyarakat menggunakan produk Bank Muamalat KC Kota Yogyakarta.NIM.: 16820033 Zaini2021-11-15T07:36:24Z2021-11-16T01:51:18Zhttp://digilib.uin-suka.ac.id/id/eprint/46687This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/466872021-11-15T07:36:24ZPENGARUH IMPLEMENTASI GOOD CORPORATE GOVERNANCE DAN SHARIA COMPLIANCE TERHADAP LOYALITAS NASABAH BTN SYARIAH KC YOGYAKARTAThis research aims to determine the effect of good corporate governance which consist of transparency, accountability, responsibility, independence, fairness and sharia compliance implementation toward BTN Syariah customer loyalty in Yogyakarta Branch Office. The population in this research are all customers of BTN Syariah in Yogyakarta Branch Office with 100 respondents as the sample. The sample was conducted by purposive sampling and accidental sampling. Collecting data was conducted by online questionnaire and offline questionnaire. This research use the multiple regression analysis. The result of this research showed that transparency, accountability, responsibility, independency, fairness and sharia compliance had an impact toward customer loyalty simultaneously. For the partial test, transparency and fairness variables have positive impact, while, accountability, responsibility, independence, and sharia compliance variables do not have any impact toward customer loyalty.NIM.: 14820128 Danang Kusumo Jati2021-11-15T07:15:46Z2021-11-16T01:49:32Zhttp://digilib.uin-suka.ac.id/id/eprint/46668This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/466682021-11-15T07:15:46ZPENGARUH KUALITAS PELAYANAN PROMOSI DAN PENGETAHUAN TERHADAP MINAT PELAJAR MAN 3 SLEMAN DALAM MENABUNG DI BANK SYARIAHPenelitian ini bertujuan untuk mengetahui pengaruh kualitas pelayanan, promosi dan pengetahuan terhadap minat pelajar Madrasah Aliyah Negri 3 Sleman dalam menabung di Bank Syariah baik secara parsial maupun simultan.
Penelitian ini merupakan penelitian kuantitatif dengan populasi dan sampelnya adalah siswa Madrasah Aliyah Negri 3 Sleman sebanyak 57 siswa. Data primer didapatkan melalui penyebaran kuesioner dengan skala Likert dengan 4 alternatif jawaban dengan total item pertanyaan sebanyak 46 item yang di olah dengan menggunakan program SPSS versi 21.
Hasil penelitian menunjukan bahwa secara simultan variabel kualitas pelayanan, promosi dan pengetahuan berpengaruh positif dan signifikan terhadap minat pelajar Madrasah Aliyah Negri 3 Sleman dalam menabung di Bank Syariah dengan nilai fhitung 55,865 dan signifikansi sebesar 0,000. Secara parsial variabel kualitas pelayanan berpengaruh positif dan signifikan terhadap minat menabung dengan thitung 2,088 dan signifikansi sebesar 0,042. Variabel promosi berpengaruh positif dan signifikan terhadap minat pelajar dengan thitung 4,608 dan signifikansi sebesar 0,000. dan variabel pengetahuan berpengaruh positif dan signifikan terhadap minat pelajar dengan thitung 7,078 dan signifikansi sebesar 0,000.NIM.: 14820094 Ihthiatul Abrhoor2021-11-09T08:14:05Z2021-11-09T08:14:05Zhttp://digilib.uin-suka.ac.id/id/eprint/46349This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/463492021-11-09T08:14:05ZANALISIS PENGARUH REWARD DAN PUNISHMENT TERHADAP KINERJA KARYAWAN BANK SYARIAH
(Studi Kasus Karyawan BNI Syariah Cabang Semarang)This research aims to determine the effect of intrinsic reward ,extrinsic reward, preventive punishment, and repressive punishment on the performance of Islamic bank employees. The method of data collection was through distributing questionnaires which were distributed to all employees of the BNI Syariah Semarang branch and samples were taken of the first 40 people who filled out the questionnaire for two weeks. The analysis technique in this study is the multiple linear regression analysis technique. The tool used is SPSS 22. Conclusions are drawn intrinsic reward has a positive and significant influence on the performance of employees BNI Syariah Semarang Branch, extrinsic reward does not have a positive and insignificant influence on the performance of employees BNI Syariah Semarang Branch, preventive punishment has a positive and significant influence on the performance of employees BNI Syariah Semarang Branch, and repressive punishment has a positive and significant influence on the performance of employees BNI Syariah Semarang Branch.NIM.: 16820135 Zuka Nisyfiqi2021-11-05T07:59:26Z2021-11-05T07:59:26Zhttp://digilib.uin-suka.ac.id/id/eprint/46373This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/463732021-11-05T07:59:26ZPENGARUH CAPITAL ADEQUACY RATIO(CAR),FINANCING TO DEPOSIT RATIO(FDR) DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL(BOPO) TERHADAPNON PERFORMING FINANCING ( NPF) PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2010-2020The purpose of this study is to determine the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operational Costs and Operating Income (BOPO), on Non-Performing Financing (NPF) in Islamic Commercial Banks (BUS) in Indonesia. The population in this study were Islamic Commercial Banks (BUS) in Indonesia, using purposive sampling technique. This research uses quantitative research using multiple regression analysis.
This study uses secondary data in the form of quarterly data from Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operational Costs and Operating Income (BOPO), Non Performing Financing (NPF) in Indonesia in the period 2010 to 2020. Data obtained later analyzed using the Eviews 8 tool.
The results of this study indicate that the variable Capital Adequacy Ratio (CAR) has a significant effect on Non-Performing Financing (NPF). The variable Financing to Deposit Ratio (FDR) has a significant effect on Non Performing Financing (NPF). Operational Cost and Operating Income (BOPO) variables have a significant effect on Non-Performing Financing (NPF)NIM.: 1620310010 Muhlis2021-11-05T03:31:08Z2021-11-05T03:31:08Zhttp://digilib.uin-suka.ac.id/id/eprint/46358This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/463582021-11-05T03:31:08ZPENGARUH KEPEMILIKAN INSTITUSIONAL, KINERJA PERUSAHAAN, KEBIJAKAN HUTANG, UKURAN PERUSAHAAN DAN EARNING PER SHARE TERHADAP MANAJEMEN LABA PADA PERUSAHAAN INDUSTRI BARANG KONSUMSI YANG MASUK DALAM DAFTAR EFEK SYARIAH
TAHUN 2014-2018This study aims to test empirically the effect of institutional ownership, company performance, debt policy, company size and earnings per share (EPS) on earnings management. This study used a purposive sampling method to determine the research sample. The research sample consisted of 20 consumer goods industry companies listed on the Sharia Securities List (DES) 2014-2018. The data analysis method used in this research is panel data regression analysis. The results showed that institutional ownership, company performance, debt policy, company size, and earnings per share (EPS) simultaneously had a significant effect on earnings management. Partially, institutional ownership and earnings per share (EPS) have no effect on earnings management. Meanwhile, company performance, debt policy and company size have a positive and significant effect on earnings managementNIM.: 16830036 Linda Damayanti Nur Hardiningtyas2021-11-05T02:11:18Z2021-11-05T02:11:18Zhttp://digilib.uin-suka.ac.id/id/eprint/46353This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/463532021-11-05T02:11:18ZPERBANDINGAN TINGKAT SHARIAH COMPLIANCE PADA PERBANKAN SYARIAH DENGAN METODE MAQAṢHID SYARIAH INDEX DI INDONESIA DAN MALAYSIA PADA TAHUN 2015-2019More than 30 years of development of Islamic banking is very significant, the impact of financial globalization (global finance) and the free market (laiseez-faire) has an impact on the prudence of Islamic financial industry and business players to maintain aspects of sharia compliance (sharia compliance) as a means of preventing possible risks and fraud in the real sector. Of course this will have implications for the financial product innovation offered by Islamic banking. This is important because if Islamic banks cannot maintain Islamic values in global business and competition, it means that Islamic values are incompatible and irrelevant with the times. This study uses BUS in Indonesia and Malaysia as a sample because these two countries are countries with a majority population of MuslMSI.
This study uses quantitative research, with the research object of 10 samples of Islamic banking in Indonesia and 10 samples of Islamic banking in Malaysia which have been operating during 2015-2019. The data source of this research uses the annual reports of each bank. The results of this study concluded that there were differences in the level of compliance based on values Maqaṣhid Syariah Index (MSI) between Indonesian and Malaysian Islamic banking in 2015-2019. In Indonesian Islamic banking, the one with the highest score on Maqaṣhid Syariah was Panin Syariah Bank (BPS) with 18% and in Islamic banking in Malaysia, the highest score was RHB Islamic Bank Berhad is 40%.NIM.: 16830002 Veronica Noer Cholik Julyana Susanti2021-11-04T08:19:26Z2021-11-04T08:19:26Zhttp://digilib.uin-suka.ac.id/id/eprint/46348This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/463482021-11-04T08:19:26ZPENGARUH PENGETAHUAN INVESTASI DAN MOTIVASI INVESTASI DENGAN PERSEPSI TERHADAP SHARIA COMPLIANCE SEBAGAI VARIABEL MODERATOR TERHADAP MINAT INVESTASI
(STUDI KASUS PADA PRODUK INVESTASI PERBANKAN SYARIAH)This study aims to explain the influence of knowledge and investment
motivation with perception of sharia compliance as a moderating variable on
customer interest in using investment products in Islamic banks. The dependent
variable in this study is investment interest. The independent variables in this
study are investment knowledge, investment motivation and sharia compliance
which is also moderating variables. The population of this study is the Muslim
community in general with a sample of Islamic banking customers. The sampling
method used was simple random sampling with a sample size of 76 people. The
data was collected using a questionnaire instrument. The data was analyzed using
multiple linear regression and MRA (Moderated Regression Analysis) /
interaction test. The results showed that investment motivation and perception of
sharia compliance partially had a significant effect on investor interest, while
investment knowledge had no effect. The results also show the moderation
influence of perception of sharia compliance on the simultaneous relationship of
investment knowledge and investment motivation on interest in using Islamic
banking investment products.NIM.: 16820113 Jimmy Pranata2021-11-02T06:25:58Z2021-11-02T06:26:31Zhttp://digilib.uin-suka.ac.id/id/eprint/46256This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/462562021-11-02T06:25:58ZMACROECONOMICS TERHADAP FINANCIAL STABILITY: STUDI PADA DUAL BANKING SYSTEM DI INDONESIAFinancial Stability is a financial system condition able to mitigate financial crisis
emerges spontaneously and able to sustainably carry out its operational activities
during that period. Measurement of financial stability is from the Composite
Financial Stability Index (CFSI), with several indicators, namely the Bank
Soundness Index (BSI), the Financial Vulnerability Index (FVI) and the Regional
Economic Climate Index (RECI). Indonesia uses a dual banking system,
conventional banking and Islamic banking. Interest system and the profit sharing
system. Analyze the financial stability of Indonesian banking in terms of external
(exogenous) factors. This study uses external factors of financial institutions using
macroeconomics variables. Reason this study choosing the macroeconomics
variable is because this variable has a very important and significant impact on
the financial stability system. Macroeconomic variable indicators research uses
BI-rate, inflation, M2 money supply, and the Composite Stock Price Index (IHSG)
for the period 2010-2019. Analysis method on this research using by Vector Error
Correlation (VECM). Results of this study is only the money supply variable (M2)
which had a significant influence. Money supply (M2) has a significant positive
effect on the financial stability of Indonesian banks, while Composite Stock Price
Index (IHSG) has a significant negative effect on the financial stability of
Indonesian banks. Conclusion on this research is Composite Stock Price Index
(IHSG) variable is in accordance with the alternative hypothesis of both
conventional banking and Islamic banking.NIM.: 18208010033 Maylady Nanda Pratama2021-10-26T07:01:19Z2021-10-29T02:12:27Zhttp://digilib.uin-suka.ac.id/id/eprint/45944This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/459442021-10-26T07:01:19ZANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN NASABAH MENGGUNAKAN PRODUK TABUNGAN PADA PT. BPRS MADINA MANDIRI SEJAHTERA SYARIAHThis research was conducted to examine the effect of perceived convenience, comfort, and trust on customer decisions to use savings products at PT BPRS Madina Mandiri Sejahtera Syariah Yogyakarta. The population in this study were customers of PT BPRS Madina Mandiri Sejahtera Syariah with samples taken using purposive sampling method. Primary data collection is by distributing questionnaires. There are 80 questionnaires processed in this study. The data analysis in this study used multiple linear regression analysis using SPSS software to test the research data. The results showed that the perception of convenience, comfort and trust simultaneously has a significant effect on customer decisions to use Islamic bank savings products Madina. Partially, the perceived convenience variable does not have a significant effect on customer decisions to use savings products at Islamic Madina banks with a significant level of 0.070 above 0.05. The comfort variable has a significant positive effect on customer decisions to use savings products at Islamic Madina Banks with a significant level of 0.050 below 0.05. Trust variables have a significant positive effect on customer decisions to use savings products at Islamic Madina banks with a significant level of 0.000 below 0.05.NIM.: 16830006 Fatma Hayati2021-10-19T05:41:19Z2021-10-29T03:02:53Zhttp://digilib.uin-suka.ac.id/id/eprint/45656This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/456562021-10-19T05:41:19ZAKAD MURABAHAH PADA PEMBIAYAAN TAKE OVER (STUDI KASUS PADA BANK BNI SYARIAH KANTOR CABANG YOGYAKARTA)This research examines the implementation of the law on the practice of
financing debt transfer (take over) at BNI Sharia Yogyakarta Branch. An
alternative or process for the settlement of customer financing debt (take over)
occurs in ongoing financing at the previous bank (first creditor). Apart from being
regulated in the Fatwa of the National Sharia Council-Indonesian Ulama Council
(DSN-MUI), the rules regarding these are also contained in a Bank Indonesia
Circular Letter (SEBI) stipulated by Bank Indonesia. However, the BNI Sharia
Yogyakarta Branch implements the Murabahah contracts which is one of the four
alternative treatises in the DSN-MUI fatwa. Sharia banking considers that the
rules related to the alternative contracts offered by other than the DSN-MUI
fatwa are unclear and difficult to apply in sharia banks. The writer has two
questions for this thesis, those are how is the implementation mechanism for
financing debt transfer (take over) at BNI Sharia Yogyakarta Branch and how is
the realization of law implementation of take over practices at BNI Sharia
Yogyakarta Branch.
The type of research is a qualitative research with a case study approach.
The author’s primary data and secondary data were collected using field research
methods through direct interviews and documentations. To answer the research
questions, the author uses the law implementation’s theory, which is about the
value of justice and legal certainty to achieve the goal of real law implementation
related to the take over practices.
In connection by these practices, the results showed that the legal
objectives to be achieved from the implementation of the legal take over practice
at BNI Sharia Yogyakarta Branch were not maximal. This is because the essence
of the two objectives in law implementation, those are the justice and legal
certainty has not been achieved. The author viewa that the existence of one choice
of rules from the many rules regarding take over will lead to legal dualism, in
toher words there is no clear legal certainty for the take over practice in islmic
banking.NIM.: 18203010090 Dhaifina Fitriani, S.H.2021-10-01T07:43:23Z2021-10-01T07:43:23Zhttp://digilib.uin-suka.ac.id/id/eprint/44909This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/449092021-10-01T07:43:23ZPEMENUHAN HAK-HAK PEGAWAI
PENYANDANG DISABILITAS DI CONTACT CENTER BANK PT. XYZ DI YOGYAKARTASecara konstitusional penyandang disabilitas memiliki hak yang sama untuk dapat hidup sejahtera dengan cara mendapatkan kerja dan bekerja dengan layak Sebagaimana tercantum dalam Pasal 28A Undang-Undang Dasar 1945 bahwa setiap orang berhak untuk hidup serta berhak mempertahankan hidup dan kehidupannya. Kemudian hak untuk mendapatkan kerja yang layak secara khusus diatur dalam Pasal 27 Ayat (2) bahwa tiap-tiap warga negara berhak atas pekerjaan dan penghidupan yang layak bagi kemanusiaan. Selain itu terdapat pula Pasal 28D Ayat (2) UUD 1945 Undang – Undang Dasar 1945 telah mengamanatkan bahwa pada dasarnya setiap orang memiliki hak untuk bekerja dan mendapat imbalan dan perlakuan yang adil serta layak dalam hubungan kerja tersebut . Pada dasarnya Pemenuhan hak bagi penyandang disabilitas terkait jaminan akses pekerjaan telah diamanatkan dalam Pasal 53 Undang-Undang No. 8 Tahun 2016 tentang Penyandang Disabilitas secara jelas disebutkan setiap perusahaan wajib mengakomodasi penyandang disabilitas minimal 1 persen dari total tenaga kerja di sektor swasta dan 2 persen pada sektor pemerintahan.
Penelitian ini adalah untuk mengetahui kedudukan pegawai penyandang disabilitas dalam pemenuhan hak-hak pegawai penyandang disabilitas di Contact Center PT. XYZ Yogyakarta. Untuk menjawab tujuan penelitian tersebut peneliti menggunakan metode penelitian yuridis-normatif. Pendekatan yuridis normatif digunakan untuk mengkaji dokumen-dokumen perjanjian kerja dengan tolak ukur hukum perjanjian dan UU No. 8 Tahun 2016 tentang Penyandang Disabilitas
Hasil penelitian menunjukan bahwa peraturan perundang-undangan yang berkaitan dengan ketenagakerjaan dan penyandang disabilitas belum maksimal dalam memberikan perlindungan hukum karena masih banyak dari pegawai penyandang disabilitas yang belum mengetahui adanya peraturan perundang-undangan tersebut. Jika mengacu kepada pada peraturan perundang-undangan yang ada kedudukan pegawai penyandang disabilitas dalam pemenuhan hak-hak pegawai penyandang disabilitas adalah sama dengan orang non disabilitas. Dalam perjanjian kerja bersama Contact Center Bank PT. XYZ Yogyakarta tercantum hak-hak pekerja yang mengacu pada peraturan perundang-undangan yang berlaku, dimana hak-hak tersebut juga berlaku bagi pegawai penyandang disabilitas.NIM.: 15340095 Ahmad Shandy Susanto2021-09-16T03:33:21Z2021-09-16T03:33:21Zhttp://digilib.uin-suka.ac.id/id/eprint/44408This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/444082021-09-16T03:33:21ZKAUSALITAS SEKTOR PERBANKAN (SYARIAH DAN KONVENSIONAL) DAN PERTUMBUHAN EKONOMI: STUDI KASUS DI INDONESIA DAN MALAYSIA TAHUN 2010-2019Economic growth is one of the factors that determine the success of a
country. The more the economic growth of a country increases, the prosperity of
the community will increase. Banking functions to encourage the success of a
country‟s economic growth. This study aims to prove empirically the axistence of
a causal, short-term, and long-term relationship between total assets, total third
party funds, total financing, and total credit at Islamic banks and conventional
banks on economic growth in Indonesia and Malaysia. Research that deliberately
takes the population of Islamic banks, conventional banks, and economic growth
in Indonesia and Malaysia for quarterly data from 2010 to 2019. The analysis
model used in this study is the Vector Error Correction Model (VECM). The
results of statistical tests show that there is a one-way causality relationship in
Indonesian Islamic banks between total assets, total third party funds, and total
financing to the GDP variable or vice versa. Malaysian Islamic banks and
Indonesian conventional banks have similar results to the previous one, on the
variable total assets and total third party funds against the GDP variable or vice
versa, and on the total credit variable against the GDP variable or vice versa in
Malaysian conventional banks. Then there is a two-way causality relationship in
Indonesian conventional banks between the total credit variable to the GDP
variable or vice versa. Furthermore, there is a long-term relationship between the
total third party funds variable and the GDP variable in Indonesian Islamic banks.
Meanwhile, in Malaysian Islamic banks, there is a long-term relationship between
the variable total assets and total financing to the GDP variable. In conventional
Indonesian banks, there is a short-term relationship between the total credit
variable and the GDP variable, while there is a long-term relationship between the
total assets and total third party funds to the GDP variable. Finally, in Malaysian
conventional banks, there is a long-term relationship between the total assets
variable, total third party funds, and total credit to the GDP variable.NIM.: 18208010030 Musa2021-09-11T05:11:38Z2021-09-11T05:11:38Zhttp://digilib.uin-suka.ac.id/id/eprint/43981This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/439812021-09-11T05:11:38ZPENGARUH KINERJA KEUANGAN TERHADAP TINGKAT BAGI HASIL DEPOSITO MUDHARABAH DAN TINGKAT PENGEMBALIAN EKUITAS PADA BANK UMUM SYARIAH DI INDONESIA PERIODE TAHUN 2015-2018This study aims to test empirically the effect of financial performance on the profit
sharing rate of mudharabah deposits and the rate of return on equity in Islamic
commercial banks in Indonesia for the 2015-2018 period. In this study the
dependent variable is the profit sharing rate on mudharabah deposits and the rate of
return on equity. The independent variables are Return On Asset (ROA), Capital
Adequacy Ratio (CAR), and also Operational Costs and Operating Income
(BOPO). The population used in this study is Islamic commercial banks in 20152018.
Then the technique of sampling is purposive sampling technique, with
predetermined criteria. The sample of this study consisted of 11 Islamic commercial
banks for the period 2015-2018. The analysis method used in this research is panel
data regression analysis. The results of this study indicate that simultaneously the
ROA, CAR, and BOPO variables affect the profit sharing rate of mudharabah
deposits with a probability value of 0.000. Partially, the CAR and BOPO variables
have a positive and significant effect with the result that the value of P> | t | below
0.05, the ROA variable does not have a significant effect on the profit sharing rate
of mudharabah deposits, with the resulting value of P> | t | above 0.05. Meanwhile,
the variables ROA, CAR, and BOPO simultaneously have an effect on the rate of
return on equity (ROE) with a probability value of 0.000. Partially, the ROA and
BOPO variables affect the rate of return on equity (ROE) with the result that the
value of P> | t | below 0.05, the CAR variable has no effect on the return on equity
(ROE) with the result that the value of P> | t | above 0.05.NIM.: 16830026 Nindya Sintha Permatasari2021-09-11T04:10:44Z2021-09-11T04:10:44Zhttp://digilib.uin-suka.ac.id/id/eprint/43965This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/439652021-09-11T04:10:44ZPENGARUH BUDAYA ORGANISASI, KOMPETENSI DAN ETOS KERJA ISLAMI TERHADAP KINERJA KARYAWAN (STUDI KASUS PADA BPRS KOTA BUMI LAMPUNG UTARA)This study aims to determine the effect of organizational culture,
competence and Islamic work ethic on employee performance. This research was
conducted at BPRS Kota Bumi Lampung Utara. The population in this study were
all employees at BPRS Kota Bumi Lampung Utara, totaling 37 employees, and the
sampling technique in this study used saturated samples, so all employees of BPRS
Kota Bumi Lampung Utara could fill out a questionnaire. Data collection was
carried out through distributing questionnaires and interviews. The data analysis
technique in this study is to use multiple linear regression analysis which is carried
out on the SPSS version 16.00 analysis tool.
The results of this study indicate that organizational culture, competence
and Islamic work ethic have a positive and significant effect on employee
performance.NIM.: 16820017 M.Denny Al-azis2021-09-09T05:21:58Z2021-09-09T05:21:58Zhttp://digilib.uin-suka.ac.id/id/eprint/43590This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/435902021-09-09T05:21:58ZPENGARUH KOMPENSASI, MOTIVASI, DAN LOYALITAS KERJA TERHADAP KINERJA KARYAWAN (STUDI KASUS DI BANK SYARIAH MANDIRI KANTOR CABANG YOGYAKARTA)This study aimed to determine the effect of compensation, motivation, and job employee performance at Bank Syariah Mandiri Yogyakarta Branch Office. The population in this study were all employees at Bank Syariah Mandiri Yogyakarta Branch Office with was sample used of 60 respondents. The data collection method is through online questionnaires. All data were processed and analyzed using SPSS version 21. The results showed that the compensation variable had no significant effect on employee at Bank Syariah Mandiri Yogyakarta Branch Office. Motivation variable has no significant effect on employee performance at Bank Syariah Mandiri Yogyakarta Branch Office. And the job loyalty variable has a significant effect on employee performance at Bank Syariah Mandiri Yogyakarta Branch Office.NIM.: 17108020131 Irma Nur Fajarini2021-09-09T05:21:11Z2021-09-09T05:21:11Zhttp://digilib.uin-suka.ac.id/id/eprint/43589This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/435892021-09-09T05:21:11ZPENGARUH PENGEMBANGAN KARIER DAN LINGKUNGAN KERJA TERHADAP KINERJA KARYAWAN MELALUI KEPUASAN KERJA SEBAGAI VARIABEL INTERVENING (STUDI KASUS PADA BANK BPD DIY SYARIAH)This study aims to determine the effect of career development and work environment on employee performance of Bank BPD DIY Syariah through job satisfaction as an intervening variable. Career development is one of the rights that must be fulfilled by companies to employees for the development of employee career life. Which will have an effect on employee performance. Another component that is no less important is the work environment and job satisfaction felt by employees, where job satisfaction will be a mediating variable on employee performance as the dependent variable. The population in this study were 36 employees of Bank BPD DIY Syariah. Data collection methods used were questionnaires and multiple linear regression data analysis tools IBM SPSS 23, path analysis and sobel test to determine the effect of mediation. The test results show that career development variables have an effect on job satisfaction but have no effect on performance, work environment variables have no effect on job satisfaction but have an effect on performance, job satisfaction variables have an effect on performance and job satisfaction variables are able to mediate the effect of career development and work environment on performance employees at Bank BPD DIY Syariah.NIM.: 17108020094 Wisha Nandita Dindasari2021-09-09T05:18:46Z2021-09-09T05:18:46Zhttp://digilib.uin-suka.ac.id/id/eprint/43588This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/435882021-09-09T05:18:46ZPENGARUH PEMAHAMAN MASYARAKAT, PROMOSI, VARIASI PRODUK, DAN PENGETAHUAN PRODUK TERHADAP MINAT MASYARAKAT DALAM MENGAJUKAN PEMBIAYAAN DI BANK SYARIAH (Studi Kasus Pelaku Usaha Di Kabupaten Sleman)The aim from this paper to prove the effect of public understanding, promotion, product variation, and product knowledge on people's interest in applying for financing at Islamic Banks (a case study of business actors in Sleman Regency). This study used a questionnaire and interviews as instruments to collect data. The sample in this study was taken by a data collection method called non probability sampling, using 50 respondents. The data obtained were then analyzed by researchers using the SPSS (Statistical Package for the Social Sciences) analysis technique version 27.The results showed that the promotion variable and product knowledge variables had a positive and significant effect on people's interest in applying for financing at Islamic Bank, while the understanding variable society and product variations do not affect the public's interest in applying for financing in Islamic Bank.NIM.: 17108020072 Muhamad Rojab Hafidzuddin2021-09-08T13:31:06Z2021-09-08T13:31:06Zhttp://digilib.uin-suka.ac.id/id/eprint/43964This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/439642021-09-08T13:31:06ZPENGARUH GAYA KEPEMIMPINAN BUDAYA ORGANISASI PENGALAMAN KERJA TERHADAP KINERJA KARYAWAN (STUDI KASUS PT. BPRS MADINA MANDIRI SEJAHTERA YOGYAKARTA)This study aims to determine how the effect of
Leadership Stle Organizational Culture Work Experience
employee performance. This research was conducted at the
Islamic People’s Financing Bank (BPRS) Madina Mandiri
Sejahtera Yogyakarta. The population in this study were all
employees at BPRS Madina Mandiri Sejahtera, amounting to
33 employees, and the sampling technique in this study used
a saturated sample that made the entire population as a
sample. The data taken in this study is to use primary data by
distributing questionnaires to all respondents, and
conducting interviews with the head of the Company’s HR.
The data analysis technique in this research is to use multiple
linear regression analysis performed on SPSS version 16.00
data analysis tools. The results of data analysis in this study
say that of Leadership Stle Organizational Culture Work
Experience employee performance. While partially
Leadership Stle variable has a positive effect on employee
performance with a tcount of 3,638 > 2,03452 and a
significance value of 0.001, variable Organizational Culture
has a positive employee performance with a tcount of 3,302 >
2,03452 and a significance value of 0,003, and Work
Experience variables has a positive effect on employee
performance with a tcount of 2,481 > 2,03452 and a
significance value of 0.019.NIM.: 16820015 Sigit Roa Rayatuah2021-09-07T03:54:25Z2021-09-07T03:54:25Zhttp://digilib.uin-suka.ac.id/id/eprint/43841This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/438412021-09-07T03:54:25ZANALISIS PERBANDINGAN KINERJA KEUANGAN BANK UMUM SYARIAH DENGAN MENGGUNAKAN PENDEKATAN INCOME STATEMENT APPROACH DAN VALUE ADDED APPROACH PERIODE TAHUN 2014-2017Sharia banks are banks that operate without relying on interest and
Islamic banks are financial institutions that refer to or are based on the
Al-Quran and Hadith. From a principle point of view, it is clearly
different from conventional banks. In terms of this difference, it adds to
the competition in courting customers which affects performance.
This study aims to analyze the differences in the financial performance of
Islamic banks using the Income Statement Approach and the Value
Added Approach based on financial ratios. Financial ratios consist of
ROA (Retrun On Asset), ROE (Retrun On Equity), LBAP (Comparison
between Total Net Profits and Earning Assets), NPM (Net Profit
Margin), BOPO (Operational Cost of Operating Income), RORA (Retrun
On Risk) Assets).
In this study, the objects used are Bank Muamalat, Bank Syariah
Mandiri, Bank Mega Syariah, which were taken from the 2014-2017
financial statements. The analytical method used is descriptive statistics.
The results of this study indicate that the performance of Islamic
commercial banks based on the income statement approach and the
value added approach shows good performance, seen from the ratio of
ROA, ROE, LBAP, NPM, BOPO, RORA in 2014-2017 calculated using
the value added approach. better than the income statement approach. The value added approach makes a major contribution to what is
obtained.NIM.: 13391129 Kusryan Rindiantoko2021-09-07T02:41:40Z2021-09-07T02:41:40Zhttp://digilib.uin-suka.ac.id/id/eprint/43847This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/438472021-09-07T02:41:40ZPENGARUH TRANSAKSI UANG ELEKTRONIK (E-MONEY) DAN ALAT PEMBAYARAN MENGGUNAKAN KARTU (APMK) KREDIT DAN DEBIT TERHADAP PRODUK DOMESTIK BRUTO (PDB) DI INDONESIAAt present the role of cash payments has begun to be shifted by
technological advances that have pushed the development of payment instruments
from cash to non-cash. The existence of a non-cash payment instrument, namely
the Debit and Credit Card (APMK) Payment Card and E-money, makes it easier
to make a transaction. This study aims to look at the effect of E-money and
APMK on economic growth in Indonesia in the last 10 years period and also to
see how much influence the contribution of the use of E-Money and APMK to
GDP. This research method uses quantitative methods. The data used in this study
are secondary data, namely data from the number of transactions and transaction
volumes of credit cards, debit cards and e-money, and the amount of GDP in
Indonesia in the period January 2009 to December 2019. The results of this study
indicate that the volume of e-money transactions has no effect on GDP in
Indonesia in the long term and short term, the volume of credit card transactions
has no effect on GDP in the economy in Indonesia in the long run or in the short
run, while the volume of debit card transactions has an effect on GDP in the
economy in Indonesia both in the long run and in the short run.NIM.: 13820088 Naura Latifah Umami2021-09-07T02:40:10Z2021-09-07T02:40:10Zhttp://digilib.uin-suka.ac.id/id/eprint/43850This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/438502021-09-07T02:40:10ZPENGARUH PENGETAHUAN PRODUK PERBANKAN, RELIGIOSITAS, DAN LITERASI KEUANGAN TERHADAP MINAT GENERASI MILENIAL MENGGUNAKAN BANK SYARIAH (STUDI PADA PENGUNJUNG COFFE SHOP DI JL. SOROWAJAN BARU, BANGUNTAPAN, YOGYAKARTA)This research aim to analyze the effect of bank products knowledge,
religiosity and financial literacy to interst of milenial generation’s in using Islamic
banks. This research was conducted on coffe shop visitor at St. Sorowajan baru,
Banguntapan, Yogyakarta with total respondent amount to 100 respondent. This
research is quantitative research with multiple linier regression analysis as
analythical method.
The result of this study indicates that bank products knowledge and
financial literacy have positive impact to interest of milenial generation’s in using
Islamic banks, while another variable (religiosity) has no effect to interest of
milenial generation’s in using Islamic banks.NIM.: 13820205 Yazuardi Imani2021-09-07T02:39:30Z2021-09-07T02:39:30Zhttp://digilib.uin-suka.ac.id/id/eprint/43849This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/438492021-09-07T02:39:30ZANALISIS FAKTOR YANG MEMPENGARUHI ALOKASI PEMBIAYAAN USAHA MIKRO KECIL MENENGAH (UMKM) PADA BANK UMUM SYARIAH DI INDONESIAANALISIS FAKTOR YANG MEMPENGARUHI ALOKASI PEMBIAYAAN USAHA MIKRO KECIL MENENGAH (UMKM) PADA BANK UMUM SYARIAH DI INDONESIAThis thesis aims to analyze the influence of the variables of Third Party
Funds (DPK), Inflation, and BI Rate on the allocation of financing for Micro,
Small and Medium Enterprises (MSMEs) in Islamic Commercial Banks in
Indonesia. The data used in this study are secondary data taken monthly during
the period of November 2017-August 2020. The sampling technique used in this
study is satuRated samples. The analytical method used in this research is the
Multiple Regression Analysis.
The results in this study indicate that the variable amount of Third Party
Funds has a significant positive effect on the allocation of MSME financing for
Islamic Commercial Banks with a significance level of 0.000. In the inflation
variable, it has a positive and insignificant effect on the allocation of MSME
financing for Islamic Commercial Banks with a significance level of 0.628. The BI
Rate variable has a significant negative effect on the allocation of MSME
financing for Islamic Commercial Banks with a significance level of 0.018.NIM.: 13820172 Muhammad Shandy Widyatmoko2021-09-06T05:23:59Z2021-09-06T05:23:59Zhttp://digilib.uin-suka.ac.id/id/eprint/43873This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/438732021-09-06T05:23:59ZFAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MENGGUNAKAN MOBILE BANKING (STUDI PADA MAHASISWA DI YOGYAKARTA)This study aims to analyze faktors that influence intention to use mobile
banking consisting perceived usefulness, perceived ease of use, and user’s attitude.
This study uses descriptive quantitative approach. The population in this study is
students who have bank accounts in Yogakarta, with 100 students that determined
with lemeshow formula for the sample. The data used is primary data in form of
questionnaires distributed. 100 questionnaires were processed by using SPSS. The
results of this study show that perceived usefulness and perceived ease of use has
insignificant influence on intention to use mobile banking. Meanwhile, user’s
attitude has significant impact on intention to use mobile banking.NIM.: 14820125 Muhammad Rizaldi2021-07-26T06:14:47Z2021-07-26T06:14:47Zhttp://digilib.uin-suka.ac.id/id/eprint/43109This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/431092021-07-26T06:14:47ZANALISIS SISTEM PENGUKURAN KINERJA PADA PT. BPRS MERU SYARIAH MENGGUNAKAN 3 PERSPEKTIF BALANCED SCORECARDThe purpose of this research is to measure the performance of PT. BPRS Meru Syariah uses the balanced scorecard method which consists of three perspectives, namely financial perspective, perspective, internal business, and learning and growth perspective. This research uses mixed methods. The quantitative-qualitative combination research method is a method that focuses on collecting and analyzing data and combining quantitative and qualitative data. The result of the research states that the financial performance perspective is not good, from the internal business perspective it is good, and from the growth and learning perspective it is very good.NIM.: 16820068 Salma Mufidatul Ummah2021-07-26T06:05:03Z2021-07-26T06:05:03Zhttp://digilib.uin-suka.ac.id/id/eprint/43092This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/430922021-07-26T06:05:03ZPENGARUH LIMA FAKTOR KEPRIBADIAN TERHADAP KINERJA KARYAWAN (Studi kasus pada Bank Aceh Syariah KC Subulussalam)The purpose of this study was to determine the effect of five personality factors on employee performance at Bank Aceh Syariah KC Subulussalam. The population and sample in this study amounted to 40 respondents. Sampling was done by saturated sampling technique. Primary data in this study were obtained from distributing questionnaires. The analysis tool used is multiple linear analysis with the help of data analysis tools IBM SPSS Statistic 15.00.
The results of this study indicate that the variables of diversion, motion stability, and awareness have a positive influence on employee performance. Meanwhile, the variables of openness and friendliness have no effect on employee performance.NIM.: 16820008 Agung Fikriman2021-07-15T12:49:47Z2021-07-15T13:14:58Zhttp://digilib.uin-suka.ac.id/id/eprint/42844This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/428442021-07-15T12:49:47ZAntologi Manajemen Lembaga Keungan IslamZaman terus berubah. Saat ini kita sudah tidak lagi berada pada masa dimana
dakwah dianggap selesai dari retorika di atas mimbar, namun semestinya dakwah
lebih menyentuh pada pokok persoalan umat. Bukan berarti dakwah doktrinal
ditinggalkan sepenuhnya, namun model tersebut harus diimbangi dengan solusi
nyata. Atau dengan kata lain, dakwah tidak hanya diposisikan sebagai sebuah
dogma, melainkan sebagai sebuah ilmu aplikatif yang terus dikembangkan sesuai
dengan perkembangan kontemporer.
Salah satu model dakwah transformatif yang langsung bersentuhan dengan
pembangunan sosial adalah dengan mendirikan lembaga keuangan Islam.
Masalahnya manajemen lembaga keuangan Islam bukan perkara mudah. Selain
masih diperlukan upaya keras untuk menjadikannya sebagi arus utama dalam
sistem keuangan modern, juga diperlukan sumber daya manusia yang kompeten
serta memiliki pemahaman mendalam, baik dalam hal manajerial maupun asas
asas keuangan Islam.
Terbitnya buku antologi ini, diharapkan memberikan kontribusi nyata dan
gambaran praktik dakwah terbarukan melalui akselerasi pengembangan
pengembangan lembaga keuangan Islam.- M. Rosyid Ridla2021-07-09T05:43:00Z2021-07-09T06:46:23Zhttp://digilib.uin-suka.ac.id/id/eprint/42736This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/427362021-07-09T05:43:00ZSTRATEGI KOMUNIKASI KANTOR PERWAKILAN BANK INDONESIA YOGYAKARTA DALAM PROGRAM CORPORATE SOSIAL
RESPONSIBILITY
(Studi Deskriptif Kualitatif pada Pengembangan Usaha Mikro Kecil dan
Menengah di Griya Cokelat Nglanggeran Patuk Gunung Kidul )One of the main tasks and roles of Bank Indonesia is to maintain monetary
stability through controlling inflation. The cause of inflation derived from
fluctuations in the price, which pressured prices triggered by various of
constraints, such as scarcity of production or distribution, weakness of
institutional farmers and inefficiency of market structure. Griya Cokelat
Nglanggeran is the producer and souvenirs center of chocolate products from the
Nglanggeran Village community. Griya Cokelat Nglanggeran is a UMKM
assisted by the Representative Office of Bank Indonesia Yogyakarta which is
based on the potential of local communities.
The purpose of research was to know the communication strategy of
Representative Office of Bank Indonesia Yogyakarta in the program of corporate
social responsibility in the development of UMKM in Griya Cokelat Nglanggeran.
Type of the research was descriptive qualitative. This research was conducted in
depth and observation of the research subjects. The results of this research
indicate that the communication strategy of Yogyakarta Indonesia Bank
Representative Office in corporate social responsibility program on the
development of UMKM in Griya Cokelat Nglanggeran by using the
communication strategy concept which consists of five stages, namely: research,
planning, implementation, evaluation, and reporting.NIM.: 16730074 Khoirun Ni’am2021-07-07T09:50:22Z2021-07-07T09:50:22Zhttp://digilib.uin-suka.ac.id/id/eprint/42647This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/426472021-07-07T09:50:22ZPENGARUH PENDANAAN BERBASIS BAGI HASIL TERHADAP TINGKAT PENGEMBALIAN PADA EKUITAS (ROE) DAN TOBIN’S QLoss-profit sharing based financing, as one of external sources of capital,
have characteristics that differs from any other external financing. Therefore, this
study want to examine the effect of Loss-profit sharing based financing on ROE
and Tobin’s Q based on Capital Asset Pricing Model (CAPM). In addition, the
effect of LN of Total Assets and Debt to Assets Ratio, as control variables, on
ROE and Tobin’s Q will be examined in this study. Panel data regression will be
aplied on observed data of 11 Indonesian non-financial public firm from periode
2010 until 2018. Result of this study shows that Loss-profit sharing based
financing has no effect on ROE nor Tobin’s Q.NIM.: 16208010009 Jarot Aryo Pidekso2021-07-07T02:53:15Z2021-07-07T02:53:15Zhttp://digilib.uin-suka.ac.id/id/eprint/42643This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/426432021-07-07T02:53:15ZPERBANDINGAN KINERJA BANK PEMBIAYAAN RAKYAT SYARI’AH DAN BANK PERKREDITAN RAKYAT DI INDONESIA 2015-2017According to the financial reports of BPRS and BPR there has been a decline in
performance from 2015-2017. These two financial institutions are supposed to be
a vital economic support for the middle class and UMKM. The purpose of this
research is to investigate the comparative performance of Islamic rural banks and
conventional rural banks in Indonesia using the REC method which consists of risk
profile, earning, and capital during the 2015-2017 period. The risk profile factor is
represented by the NPF indicator, earning is represented by ROA and capital is
represented by CAR. Applying a purposive sampling method, the 43 Islamic rural
banks and 63 conventional rural banks have been collected from the the secondary
data sourced from annual financial reports published at the bank's official website.
Analysis was then conducted with the Mann-Whitney-U test to examine the
comparative performance of the two banks. The results of this study suggest that
there is a significant difference in NPF between the two banks at a significance
level of 0.006; there is no significant difference of ROA and CAR between in Islamic
public finance banks and in rural credit banks in Indonesia at a significance level
of ROA of 0.070 and CAR of 0.239 respectively. The implications of this study imply
that the performance of Islamic rural banks still has a great opportunity to develop
in the future and is a big challenge, especially for the management of the Indonesian
sharia rural banks and the central bank (Bank Indonesia) as the bank regulators.NIM.: 1620310052 Aniesatun Nurul Aliefah2021-06-14T06:34:13Z2021-06-14T07:08:24Zhttp://digilib.uin-suka.ac.id/id/eprint/42359This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/423592021-06-14T06:34:13ZPENGARUH JUMLAH PEMBIAYAAN GADAI SYARIAH (AR-RAHN), PEMBIAYAAN PRODUK MULIA, PEMBIAYAAN GADAI KONVENSIONAL (KCA & KRASIDA), DAN PEMBIAYAAN KREDIT MIKRO FIDUSIA TERHADAP LABA PERUSAHAAN PT PEGADAIAN (PERSERO)This study aims to determine the effect of the amount of Rahn, Mulia, Pawn and Fiduciary Financing on earnings at PT Pegadaian Pemerintah (Persero). This study uses quantitative research methods with a sample of secondary data from the financial statements of pawnshop companies for the period 2017-2019 in the form of 31 data monthly. This research uses multiple regression analysis techniques.
The results showed that the simultaneous variable of the amount of financing affected earnings at PT Pegadaian Government (Persero) with a significance value < 0.05 which was 0.046162, with an influence level or R2 of 19.43%. Partially or partial t-test, the amount of Rahn Financing has a positive and significant effect on earnings with a significance level of 0.0196 ie> 0.05. Variable Amount of Noble Financing and Pledge does not affect earnings because the significance value > 0.05 is 0.4910 and 0.3828. Then for the number of variables Fiduciary has a negative and significant effect on earnings with a significance level of 0.0229 which < 0.05.NIM.: 16830009 LISA WIDIYANA2021-06-14T06:24:12Z2021-06-14T07:12:59Zhttp://digilib.uin-suka.ac.id/id/eprint/42336This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/423362021-06-14T06:24:12ZPENGARUH BEBAN KERJA, REMUNERASI, DAN BURNOUT TERHADAP KINERJA KARYAWAN DENGAN KEPUASAN KERJA SEBAGAI VARIABEL INTERVENING (STUDI KASUS PADA BANK MUAMALAT KC YOGYAKARTA)This research aims to explain the effect of workload, remuneration, and burnout on employee performance with job satisfaction as an intervening variable at Bank Muamalat KC Yogyakarta. The research method used is a quantitative method. The population in this study were all employees of Bank Muamalat Kc Yogyakarta. While the number of samples taken was 50 respondents using Roscoe's theory. Sampling in this study using purposive sampling method. Data collection techniques are carried out by distributing questionnaires. Data analysis method used is path analysis.
The results showed that the variable workload, burnout, and job satisfaction simultaneously affect performance. Workload and burnout variables simultaneously affect job satisfaction. While the remuneration variable does not affect employee performance and job satisfaction. Job satisfaction variable has positive and significant effect on employee performance. And job satisfaction can mediate the variable workload and burnout on the performance of employees of Bank Muamalat KC Yogyakarta. Whereas in the remuneration variable, job satisfaction is not a mediator between remuneration and performance.NIM.: 16820130 ARDHEA PRAMESWARI2021-06-11T07:15:48Z2021-06-11T07:15:48Zhttp://digilib.uin-suka.ac.id/id/eprint/42320This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/423202021-06-11T07:15:48ZPENGARUH KECERDASAN EMOSIONAL, KECERDASAN SPIRITUAL, DAN KONFLIK TERHADAP STRES KERJA KARYAWAN (STUDI KASUS PADA BPRS BAROKAH DANA SEJAHTERA (BDS) YOGYAKARTA)This study aims to determine how the influence of emotional intelligence, spiritual intelligence, and conflict on employee work stress. This research was conducted at the Islamic People’s Financing Bank (BPRS) Barokah Dana Sejahtera (BDS) Yogyakarta. The population in this study were all employees at BPRS Barokah Dana Sejahtera (BDS) Yogyakarta amounting to 53 employees. The method used to test the hypothesis is multiple linear regression analysi, as for data analysis in this study using the validity and reliability, normality test, heterokedasticity test, multicollinearity test, F test, coefficient of determination, and test T.
The results showed the hypothesis is accepted is that emotional intelligence, spiritual intelligence, and conflict had an effect on employee work stress at the BPRS Barokah Dana Sejahtera (BDS) Yogyakarta with significant values each at 0.046 for emotional intelligence, 0.048 for spiritual intelligence, and 0.002 for conflict. And of the coefficient of determination indicates that emotional intelligence, spiritual intelligence, and conflict has the effect of 21.5% and the remaining 78.5% influenced by other factors.NIM.: 16820037 Aradhea Nofriandini2021-06-10T08:04:06Z2021-06-10T08:04:06Zhttp://digilib.uin-suka.ac.id/id/eprint/42292This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/422922021-06-10T08:04:06ZPENGARUH PEMBERDAYAAN KARYAWAN, PRESTASI KERJA, ROTASI JABATAN DAN PROMOSI JABATAN TERHADAP KEPUASAN KERJA KARYAWAN (STUDI KASUS DI BPRS SUKOWATI SRAGEN)This study explain to determine the effect of empeworment, job performence, job rotation and job promotion on employee job ssatisfaction at BPRS Sukowati Sragen. The population in study were all employees of BPRS Sukowati Sragen. Sampling in study using saturated samples. Primary data in this study were obtained from questionnaires. In this study, using 33 respondents who can be prossed. The analytical tool used in this research is multiple linier regresion analysis.
The result showe thad empowerment, job performance, job rotation and jon promotion simultaneously had positive and significant effect on employee job satisfaction. Partially, the empowerment variable has no effect on employe job satisfaction with a t value of 0,625<t table 2,04841, with a significance value of 0,537<0,05. Job performance variable has a positive effect on employe job satisfaction with the t value of 3.496>t table 2.04841, with a significance value og 0.02<0.05. job rotation variable has a positive effect on employe job satisfaction with a value 2.103>t table 2.04841, with a significance value of 0.04<0.05. Job promotion variable has a possitive effect on job satisfaction with a value of 2.471>t table 2.04841, with a significance value of 0.02<0.05.NIM.: 16820080 Rahmat Nurdiansyah2021-06-10T04:33:13Z2021-06-10T04:33:13Zhttp://digilib.uin-suka.ac.id/id/eprint/42420This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/424202021-06-10T04:33:13ZTINJAUAN NORMATIF TERHADAP KONSEP RIBA MENURUT ANGGOTA KOMUNITAS XBANKKesadaran umat Islam dalam beragama menunjukkan perubahan ke arah yang lebih baik. Hal ini terlihat dengan banyaknya orang yang berhijrah. Hijrah sendiri berarti meninggalkan segala bentuk yang dilarang Allah Swt. Hijrah dapat terjadi di berbagai macam bidang kehidupan, tidak terkecuali di bidang sosial (muamalah). Saat ini telah banyak tempat untuk berkumpulnya orang-orang yang berhijrah, salah satunya adalah Komunitas XBank, yang merupakan sebuah komunitas nirlaba yang terdiri dari sekumpulan orang dengan latar belakang sebagai pegawai di lembaga keuangan ribawi yang telah atau berniat untuk hijrah agar terlepas dari ribā dan mendapatkan jalan rezeki yang di riḍai Allah Swt.
Kajian ini berusaha menjawab pertanyaan pokok: Bagaimana persepsi anggota Komunitas XBank terhadap ribā? Bagaimana persepsi ribā menurut anggota Komunitas XBank dalam perspektif Fikih? Metode penelitian yang digunakan adalah penelitian lapangan (field research) yang bersifat deskriptif- analitik dengan menggunakan pendekatan normatif. Teknik pengumpulan data yang digunakan adalah wawancara, dan studi kepustakaan.
Berdasarkan penelitian di lapangan, penyusun menyimpulkan bahwa anggota Komunitas XBank memandang segala bentuk dari ribā adalah haram. Sementara itu para ulama membagi ribā menjadi dua, yaitu ribā nasī’ah dan ribā faḍl. Di mana ribā yang diharamkan adalah ribā nasī’ah. Berbeda dengan ribā faḍl yang hingga saat ini masih menjadi perdebatan di kalangan para ulama. Hal tersebut dikarenakan perbedaan pendapat mengenai ‘illat diharamkannya ribā. Jika dilihat dari harta benda yang mengandung ribā yaitu terdapat dalam emas, perak, gandum putih, gandum merah, kurma, dan garam, maka dapat dikatakan ribā yang haram adalah ribā yang bersifat untuk konsumtif dan merupakan alat tukar atau sebagai mata uang. Namun terdapat ketidaksesuaian atas persepsi anggota Komunitas XBank yang mengharamkan ribā dan bunga bank secara mutlak. Ketidaksesuaian tersebut dikarenakan dalam perbankan setiap pihak yang terlibat mendapat keuntungan sesuai dengan bagiannya masing-masing, selain itu terdapat manfaat yang diperoleh dari sistem lembaga perbankan dalam mendorong tercapainya kemajuan suatu masyarakat. Di mana dalam hal ini anggota Komunitas XBank tidak mempertimbangkan manfaat atas adanya produk-produk dari lembaga perbankan dalam pandangannya.NIM.: 16380026 Fithriyya Rifani2021-06-09T06:47:14Z2021-06-09T06:47:14Zhttp://digilib.uin-suka.ac.id/id/eprint/42248This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/422482021-06-09T06:47:14ZPENGARUH CONSUMER AWARENESS, TRUST DAN PERCEIVED OF RISK TERHADAP ADOPSI DIGITAL BANKING SYARIAH (STUDI KASUS NASABAH PENGGUNA DIGITAL BANKING SYARIAH DI KARANGANYAR)As the times progress, human life will change. One of them is that all activities are carried out on the basis of digital technology. Especially in the covid-19 pandemic situation that is currently hitting the world. The business world is shifting to the use of digital services, including banking. The adoption of digital banking is a customer's decision to continue using digital services provided by the bank. This decision is certainly influenced by several factors such as consumer awareness, trust, and perceived risk. The relationship between one factor and another will be examined in this study using the SEM SmartPLS version 3 analysis tool. The SmartPLS SEM model is an analytical test tool with two types of measurement, namely a measurement model and a structural model. The reason for using the SEM PLS model is because data analysis is not based on many assumptions. The determination of the number of samples used the Van Voorhis and Morgan formula with the calculation results of the formula as much as 74 as the minimum amount. The sampling method used was purposive sampling. Data obtained by 87 customers of Islamic digital banking users in Karanganyar as respondents. The results of this study are consumer awareness and trust have a significant positive effect on the adoption of Islamic digital banking. while the perceived of risk has no significant effect on the adoption of Islamic digital banking.NIM.: 16820120 Siti Ambar Wati2021-06-08T04:43:12Z2021-06-08T06:56:51Zhttp://digilib.uin-suka.ac.id/id/eprint/42247This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/422472021-06-08T04:43:12ZPENGARUH STRES KERJA DAN MOTIVASI KERJA TERHADAP KINERJA KARYAWAN MELALUI KEPUASAN KERJA SEBAGAI VARIABEL INTERVENING (STUDI KASUS PADA BANK NTB SYARIAH KC DOMPU)This study aims to determine the effect of stres and motivation on employee performance through job satisfaction as an intervening variable at Bank NTB Syariah KC Dompu. This research is causal which ais to determine whether one variable can affrct other variables. The population in this study amounted to 35 employees. The sampling technique is saturated sampling. The data in this study were obtained through a questionnaire. The data analysis method used in this research is validity test,reliability test, classical assumption test and path analysis using IBM SPSS
This results of this study indicate that job stress on the employee performance of bank NTB Syariah KC Dompu has a negative effect. Motivation on the employee performance of Bank NTB Syariah KC Dompu has a significant effect. Job satisfaction on employee performance of Bank NTB Syariah KC dompu has a significant effect. Job stress on employee performance through job satisfaction as an intervening variable has a significant effect, while motivation on employee performance through job satisfaction as an intervening variable has no significant effect.NIM.: 16820115 ENDANG2021-06-07T06:06:54Z2021-06-07T06:06:54Zhttp://digilib.uin-suka.ac.id/id/eprint/42234This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/422342021-06-07T06:06:54ZANALISIS PENGARUH KUALITAS PELAYANAN TERHADAP KEPUASAN NASABAH MELALUI DIMENSI CARTER PADA NASABAH BNI SYARIAHWith the development of Islamic financial services in Indonesia, competition between banks cannot be avoided, service quality is one of the key factors that will be the competitive advantage between banks.This happens because the bank, as a service company, has the characteristic of being easy to imitate a product that has been marketed. Therefore, it is natural for Islamic banks to provide excellent service quality so that they can get a competitive advantage over other banks.
Many factors can be used to measure the quality of a service, one of them are measurement method with the CARTER dimension. CARTER dimensions include Compliance, Assurance, Reliability, Tangible (Physical Form), Emphaty (Concern) and Responsiveness. This study examines the effect of service quality on customer satisfaction of BNI Syariah. This research uses SEM method with SmartPLS software tools. From the results of data processing, it shows that the influence of the CARTER variable on customer satisfaction is 0.664 or 66%.
From the calculation of the Inner model test with the bootstrapping method on the SmartPLS software, it was found that the results of the compliance, empathy and responsiveness variables had a positive effect on BNI Syariah customer satisfaction and the assurance, reliability and tangibles variables had no positive effect on BNI Syariah customer satisfaction.NIM.: 13820206 M. Syafiq Sulthon2021-06-04T06:29:58Z2021-06-04T06:29:58Zhttp://digilib.uin-suka.ac.id/id/eprint/42225This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/422252021-06-04T06:29:58ZPENGARUH EKUITAS MEREK TERHADAP KEPUTUSAN PENGGUNAAN JASA BANK BRI SYARIAH CABANG YOGYAKARTACompetition phenomenon in the era of globalization positioning marketers to always be provert and seize market share. Banking as a financial intermediary industry or business entity must be able to create a brand as a prestigious asset of a company with more value and become an important factor in competition. The prestigious brand is a brand that has positive brand equity. A series of brand assets and liabilities related to their names and symbols must add value to a product or service, making it easier for consumers to make purchasing decisions. Brand equity is based on 4 main elements namely brand awareness, perceived quality, brand association, and brand loyalty.
This Researh is an emirical study to determine decision on the use of BRI Syariah Bank Yogyakarta Branch services. The purpose of this study is to find out whether brand equity can affect decision on the use of BRI Syariah Bank Yogyakarta Branch services. The Analytical method that being used is multiple linear regression analysis to verify the relationship between brand equity and decision on the use of services. The data used are primary data in the form of questionnaires distributed to 100 respondents. The result of this study indicate that brand awareness variable has a negative but not significant effect on the decision of use with tcount < ttable (1,135 < 1,98397). The perceived quality variable has a negative and not significant effect on the decision of use with tcount < ttable (0,083 < 1,98397). Meanwhile, the brand associations variable has a positive and significant on the decision of use with tcount > ttable (3,703 > 1,98397). While the latter for brand loyalty variable also has a positive and significant on the decesion of use with tcount > ttable (2,258 > 1,98397).NIM.: 13820103 Bimo Cahyo Ramadhan2021-03-03T07:37:10Z2021-06-23T02:30:40Zhttp://digilib.uin-suka.ac.id/id/eprint/42092This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/420922021-03-03T07:37:10ZPENGELOLAAN DAN PELAKSANAAN DANA SIMPANAN WADI'AH BAITUL MAAL WAT TAMWIL (BMT) JAGAMUKTI AMRATANI MUNTILAN DITINJAU DARI HUKUM ISLAMPerbankan mempunyai peranan yang sangat penting dalam pergerakan perekonomian. Jika sektor itu terganggu, maka roda perekonomian akan berjalan tidak normal. Oleh karena itu sistem perbankan yang baik mutlak diperlukan untuk membangun perekonomian suatu bangsa.
Pada saat pemerintahan orde baru di Indonesia menjelang berakhir, sampai awal pemerintahan reformasi yang mendambakan masyarakat madani, ketahanan masyarakat perbankan konvensional sebagai urat nadi perekonomian nasional nampak kedodoran dan terpuruk menghadapi badai krisis moneter dan ekonomi dengan pusaran krisis moral. Namun di lain pihak krisis tersebut makin menampakkan kekokohan ketahanan perbankan Syari'ah sebagai altematif segenap elemen bangsa terhadap aktivitas ekonomi. Hal tersebut sesuai dengan kondisi jumlah penduduk bangsa Indonesia yang mayoritas adalah muslim, yang banyak terkena dampak krisis, maka pada saat inilah potensi yang sangat besar bagi bank Syari'ah dan lembaga keuangan Islam lainnya termasuk BMT (Baitul Maal Wat Tamwil) untuk mengembangkan sayapnya dan lebih berperan aktif dalam masyarakat.
Pada tanggal 19-22 Agustus 1990 di Bogor telah diadakan lokakarya ulama tentang bunga bank dan perbankan dan diundangkannya UU No. 7 Tahun 1992 tentang Perbankan sebagai landasan hukum dikembangkannya perbankan berdasarkan prinsip syari'ah dengan ketentuan usaha bank menyangkut kegiatan pembiayaan dengan prinsip bagi hasil tapi belum diatur lebih lanjut mengenanai perhimpunan dana. Maka diatur kembali dalam Undang-Undang yang baru yang lebih jelas, lengkap, eksplisit tentang perhimpunan dana dan penyediaan pembiayaan yaitu UU No. 10 Tahun 1998 tentang perubahan UU No. 7 Tahun 1992 tentang Perbankan dan didalamnya diatur mengenai perbankan syari'ah dengan lebih jelas juga kesiapan Bank Indonesia mengenai perangkat peraturan dan fasilitas penunjang untuk mendukung operasional bank syari'ahNIM: 99383765 RAHMAWATI HAMZAH2021-02-08T21:59:59Z2022-12-19T20:44:55Zhttp://digilib.uin-suka.ac.id/id/eprint/41981This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/419812021-02-08T21:59:59ZREVITALIZING INDONESIAN ISLAMIC BANKING PERFORMANCE - A STAKEHOLDER ANALYSISThis paper is to capture the process of how stakeholder analysis can be a measure of company performance and use it as a basis for revitalizing company performance. This paper uses Indonesian Islamic banking (IIB) as a case study. The nature of this study is determined in the form of a qualitative study that furthermore segregated into three stages of analysis in their research protocol: data gathering using in-depth interview toward 48 IIB stakeholders, data processing using N-Vivo as a tool for coding, and data analysis using five steps stakeholder analysis. The finding sought to explore two functions of stakeholder analysis, as a barometer of company performance and its role as a foundation for revitalizing company strategies by finding the primary stakeholders to prioritize. Those two functions are unseparated entities. Stakeholder analysis provides the Indonesian context for the IIB, so the discussion does not only refer to why IIB cannot fulfill its potential but can dig the root of the problems. Since the revitalizing strategy’s purpose is to make a company healthier and stronger, an adequate context will provide the basis for formulating solution strategies. Internal stakeholder's view on IIB performance is relatively positive, meanwhile external stakeholders more various views on IIB performance. This research found that the religious values promoted by IB can increase the company's value but at the same time it can also reduce the interest in using IB. It is necessary to investigate further how the appropriate strategy to place this religious value in society.- Ruspita Rani Pertiwi- Jann Hidajat Tjakratmadja- Hary Febriansyah32021-02-08T21:47:43Z2022-12-19T20:39:37Zhttp://digilib.uin-suka.ac.id/id/eprint/41980This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/419802021-02-08T21:47:43ZIndonesian Islamic Banking Performance - A Conceptual FrameworkPaper konseptual ini bertujuan untuk mengembangkan model kinerja organisasi yang terintegrasi. Analisis akan fokus pada peran variabel organisasi manajemen. Paper ini menggunakan Perbankan Syariah Indonesia sebagai studi kasus dan menampilkan korelasi cara mereka mengelola kinerja mereka. Pengembangan model dalam paper ini menggunakan “konseptual fase” yang diadaptasi dari metode pengembangan teori dari Dubin. Tahap konseptualisasi dibentuk melalui kombinasi wawancara mendalam, observasi, pengalaman tertulis para ahli, dan publikasi penelitian. Kerangka kerja konseptual yang berpotensi meningkatkan kinerja; sebuah organisasi dengan demikian harus memperhatikan bagaimana menyatukan inovasi layanan, kemampuan manajemen pengetahuan, dan pendorong sumber daya manusia dalam model seperti itu dan inilah yang diusulkan di sini. Temuan ini memberikan wawasan berharga tentang peran non-keuangan dan pentingnya variabel organisasi manajemen dalam meningkatkan kinerja organisasi, yang dapat membantu mereka dalam (menyelaraskan) praktik organisasi manajemen mereka.- Ruspita Rani Pertiwi- Jann Hidajat Tjakraatmadja- Hary Febriansyah2020-09-09T02:49:26Z2020-09-09T02:49:26Zhttp://digilib.uin-suka.ac.id/id/eprint/40909This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/409092020-09-09T02:49:26ZANALISIS TERHADAP PENERAPAN FATWA DEWAN SYARIAH
NASIONAL MAJELIS ULAMA INDONESIA NOMOR 26/DSN-MUI/III/2002
TENTANG RAHN EMAS DI BANK SYARIAH MANDIRI KC
YOGYAKARTABSM gadai emas merupakan salah satu produk yang ada di Bank
Syariah Mandiri KC Yogyakarta. Perkembangan harga emas yang selalu
meningkat dari tahun ke tahun menyebabkan jumlah biaya yang disalurkannya
pun meningkat. Selain emas mempunyai harga taksiran yang tinggi yaitu 80%-
95% dari harga emas. Emas juga merupakan barang yang sangat berharga yang
diharapkan dapat membantu masyarakat dalam memperoleh dana secara
cepat tanpa harus melakukan prosedur yang berbelit-belit. Penelitian ini
bertujuan untuk menganalisis penerapan fatwa pada akad pembiayaan gadai
emas syariah pada salah satu bank syariah di Yogyakarta, serta menjelaskan
kesesuaian teori dan praktek yang terjadi di lapangan pasca dikeluarkannya
fatwa DSN MUI Nomor 26/DSN-MUI/III/2002 Tentang Rahn Emas yang
diajukan pihak bank dalam peresmian atas kehalalan akad BSM Gadai Emas.
Jenis penelitian ini adalah penelitian kualitatif yang bersifat deskriptif
analitik yang mana menjelaskan gambaran secara menyeluruh dan sistematis,
dan untuk memahami fenomena tentang pembiayaan gadai emas di bank
syariah misalnya akad, praktik, motivasi, tindakan dan lain-lain secara holistik
dan dengan cara detesis dalam bentuk kata-kata dan bahasa, pada suatu
konteks alamiah dengan memanfaatkan berbagai metode ilmiah.
Hasil penelitian menunjukkan bahwa gadai emas di bank syariah ini
menggunakan akad qardh, rahn dan ijarah. Dalam implementasi pembiayaan
gadai emas ini belum sepenuhnya sesuai dengan syariah, karena terindikasi
riba dalam pemberian ujrah yang diambil sesuai besar marhun bih yang
diterima nasabah. Hal ini bertentangan dengan fatwa DSN MUI Nomor
26/DSN-MUI/III/2002 Tentang Rahn Emas, karena dalam akad qardh tidak
boleh ada tambahan dalam pengembalian marhun bih. Dalam akad ijarah
seharusnya ujrah dihitung dari nilai taksiran, sehingga terjadi ketidaksesuaian
teori dan praktik yang terjadi di lapangan.17203011004 DINA KHAIRUNNISA2020-08-31T23:56:02Z2020-09-01T13:57:21Zhttp://digilib.uin-suka.ac.id/id/eprint/40737This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/407372020-08-31T23:56:02ZANALISIS KONDISI BISNIS BPRS DALAM MENGANGKAT PASAR INDUSTRI JASAPERBANKAN (Studi Kasus BPRS Mitra Cahaya Indonesia)Today many bank grow in area districtof Sleman. Increasingly fierce competition makes bank are required to further innovate, and have effective strategies in order to achieve customer satisfaction as users of banking service. BPRS MCI is one of the banking institutions located in Sleman, in operation continues to show positive developments it is not independent of market attractiveness and business strength BPRS MCI.The results of this study have implemented BPRS MCI right strategy in accordance with the multi-factor approach general electric. This is evidenced by the growing number of customers and impressive profits in each years, product quality and service qualityare increasing.- Rahmat Efendi- Mikhriani2012-05-05T11:55:36Z2023-11-28T06:29:01Zhttp://digilib.uin-suka.ac.id/id/eprint/828This item is in the repository with the URL: http://digilib.uin-suka.ac.id/id/eprint/8282012-05-05T11:55:36ZPERBANDINGAN KINERJA KEUANGAN PT BANK PERMATA TBK SEBELUM DAN SESUDAH ADANYA UNIT SYARIAHBanyak strategi yang dilakukan oleh perusahaan untuk tetap eksis dan unggul dalam dunia bisnisnya. Salah satu strategi yang sering dilakukan adalah dengan mengunakan strategi diversifikasi, baik dengan mendirikan unit usaha baru, merger atau akuisisi. Penelitian ini bertujuan untuk membandingkan kinerja keuangan perbankan sebelum dan sesudah adanya unit syariah, dengan mengambil subjek penelitian pada PT Bank Permata Tbk. Aspek-aspek yang diperbandingkan dalam penelitian ini meliputi Aspek likuiditas (yang diwakili oleh rasio loan to asset ratio), aspek profitabilitas (yang diwakili oleh rasio return on asset, return on equity, dan BOPO), dan aspek efisiensi (yang diwakili oleh rasio assets utilizations). Sumber data yang digunakan dalam penelitian ini adalah data sekunder yaitu laporan keuangan konsolidasi bulanan PT Bank Permata Tbk yang kemudian dibagi menjadi dua periode yaitu sebelum adanya unit syariah (meliputi laporan keuangan bulanan tahun 2002 bulan Januari s/d Oktober, tahun 2003 bulan Januari s/d Desember, dan tahun 2004 bulan Januari s/d Agustus), dan periode setelah adanya unit syariah (meliputi laporan keuangan bulanan tahun 2005 bulan Januari s/d Oktober, tahun 2006 bulan Januari s/d Desember, dan tahun 2007 bulan Januari s/d Agustus). Selanjutnya data akan diuji dengan mengunakan paired Uji-t bagi data yang memenuhi kriteria normal dan Uji pertanda Wicoxon bagi data yang tidak memenuhi kriteria normal dengan bantuan program SPSS for Windows. Berdasarkan hasil analisis data diperoleh kesimpulan antara lain: untuk Loan To Asseets ratio terjadi perbedaan yang signifikan antara periode sebelum dan sesudah adanya unit syariah yaitu dengan nilai t hitung -25, 401 t tabel 2,045 dan probabilitas 0,000, 0,05. Pada rasio return on asset tidak terjadi perbedaaan yang signifikan antara periode sebelum dan sesudah adanya unit syariah yaitu dengan nilai t hitung 0,460 t tabel 2,045 dan probabilitas 0,649 0,05. Pada rasio return on equity terjadi perbedaan yang signifikan antara periode sebelum dan sesudah adanya unit syariah yaitu dengan nilai t hitung 2,198 t tabel 2,045 dan probabilitas 0,036 0,05. Pengujian rasio BOPO menggunakan alat uji pertanda wilcoxon karena tidak memenuhi kriteria uji parametris yaitu data tidak normal, menghasilkan kesimpulan terjadi perbedaan yang signifikan antara periode sebelum dan sesudah adanya unit syariah yaitu dengan nilai probabilitas 0,006 0,05. Pada rasio assets utilizations tidak terjadi perbedaan antara periode sebelum dan sesudah adanya unit syariah dengan nilai t hitung -1,001 t tabel 2,045 dan probabilitas 0,325 0,05.NIM. 03390534 AHMAD ADNAN