cover
Filter by Year
An-Nisbah: Jurnal Ekonomi Syariah
Articles
109
Articles
Analisis Sukuk Negara Sebagai Alternatif Pembiayaan APBN

Rahmawati, Miftahul

An-Nisbah: Jurnal Ekonomi Syariah Vol 5, No 1 (2018): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Original Source | Check in Google Scholar |

Abstract

Abstrak This study used a descriptive qualitative approach that analyzed the potential of the State sukuk and the mechanism of sukuk issuance to finance the project. To answer the first problem, we use the method of forcasting or time series using ARCH-GARCH model with the help of eviews7, ARCH-GARCH is an econometric model introduced by Engle (1982) and developed Bollerslev (1986). In its development the ARCH-GARCH model became the mainstay for time series analysis on the capital market, which shows the volatility estimator. In this research, we have found the standard error 7813.429 and forcast resulted in the range of 10,000 to 20,000 in 2018. and answer the second problem, this research uses qualitative and has information from interview to sharia financing directorate, finance ministry. The result is that the State Sukuk has the potential to finance the project. Abstrak Penelitian ini menggunakan pendekatan kualitatif deskriptif yang menganalisis potensi sukuk Negara dan mekanisme penerbitan sukuk untuk membiayai proyek. Untuk menjawab berapa masalah yang pertama, digunakan metode forcasting atau time series menggunakan model ARCH-GARCH dengan bantuan eviews7,ARCH-GARCH adalah model ekonometrik yang diperkenalkan oleh Engle (1982) dan dikembangkan Bollerslev (1986). Pada perkembangannya model ARCH-GARCH menjadi andalan untuk analisis time series pada pasar modal, yang menunjukkan penduga volatilitas. Dalam penelitian ini, telah ditemukan standard error 7813.429 dan forcast menghasilkan kisaran 10.000 sampai 20.000 pada tahun 2018. dan menjawab masalah yang kedua, penelitian ini menggunakan kualitatif dan dilengkapi informasi dari hasil wawancara kepada direktorat pembiayaan syariah, kementrian keuangan. Hasilnya adalah Sukuk Negara sangat berpotensi untuk membiayai proyek.

PENGARUH KUALITAS LAYANAN TERHADAP KEPUASAN PELANGGAN JASA TRANSPORTASI GOJEK DI KOTA SURABAYA

Haladi, Athira Yasmin ( Universitas Negeri Surabaya ) , *, Aisyaturrahmi ( Universitas Negeri Surabaya )

An-Nisbah: Jurnal Ekonomi Syariah Vol 5, No 1 (2018): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Original Source | Check in Google Scholar |

Abstract

Abstract: Business in the field of public transport, especially those communities needed to help with daily activities. With a lot of public transportation offered more diverse in the city of Surabaya so that make transportation services company compete with each other. Gojek is public transportation technology based applications that provide services such as go-riding, go-cars, go-send, go-mart, go-box,and more. In the services provided gojek there are complaints from customers therefore the author makes this article to determine the effect of the quality of services provided gojek in Surabaya on customer satisfaction. Dimensions of the independent variables of research that is tangible, assurance, empathy, reliability, responsiveness, and the dependent variable of customer satisfaction research.Based on the results showed that the quality of service (tangible, reliability, responsiveness, assurance, and empathy) has positive influence on customer satisfaction by 42.4%, while 57.6% is influenced by othervariables not examined by the researcher.

PENGARUH SHARIA MARKETING MIX TERHADAP KEPERCAYAAN PELANGGAN DAN KEPUTUSAN PEMBELIAN PADA ONLINE SHOP TIWS.ID

Anah, Isti ( Universitas Ibn Khaldun Bogor )

An-Nisbah: Jurnal Ekonomi Syariah Vol 5, No 1 (2018): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Original Source | Check in Google Scholar |

Abstract

Abstract. Online shop development or online shop through social media has already existed in Indonesia, moreever it is being really potential things and give is easier to  seller and buyer even online shop is being more popular than before and it causes the competition highly (begin), but beside that, the facility has been making the shop site badly or it has been making deception site by anyone who didn’t responsibly. Therefore, the facility has to influence on directness of online shop and trusting costumer then purchase decision. So, it needs inapplying the strateghy for  making /getting customer’s trusting and the costumer decide to do purchas. One of its is sharia marketing mix 9P (product, price, place, promotion, peolpe, physical evidance, process, promise, and patience). Based on reason, the research is to investigate the effect of sharia marketing mix to customer’s trusting and purchase decision on online shop Tiws.id. quantitative method is used in conducting the research. To collect the data, questionaire, technique are used to conduct the research meanwhile, analysis regresi linier with SPSS 16’s program are used in analyzig the data. The data analysis showed that the strateghy sharia marketing mix to Tiws.id online shop has an alternative hypotesis to customer’s trusting and purchase decision. It means that,in applying sharia marketing mix better,it make customer trusting ang purchase decision to Tiws.id online shop as good as possible. Keywords: Sharia Marketing Mix, Customer Trusting, Purchase Decision and Online Shop

Pengaruh etika kerja islam terhadap kepuasan kerja dan komitmen organisasional (studi kasus cv kencana jaya teknik bogor)

Rizki, Anisa

An-Nisbah: Jurnal Ekonomi Syariah Vol 5, No 1 (2018): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Original Source | Check in Google Scholar |

Abstract

This research explains the influence of Islamic work ethic toward satisfied occupation and organization commitment in CV Kencana Jaya Teknik Bogor. This research use quantitative method which take all of populations as a sample. Technique sample of this research use saturated sample which involve all Muslim employees as many 15 persons. Data collection technique use questionnaire has given as many 15 respondent persons. Data analysis technique in this research is simple regression analysis by t-test (partial) aid by SPSS application 16.0 version. Based on the result of the trial has done, that Islamic work ethic variable give positive influence significantly toward satisfied occupation and organizational commitment because the t- count higher than t- table, that is t- count for satisfied occupation  has 4,113 < 2,160 (t table) and t- count for organizational commitment has 3,289 > 2,160 (t table) it means Islamic work ethic variable is significant partially with Islamic work ethic toward satisfied occupation and organizational commitment. Validity of that consideration supported by sig column in Islamic work ethic variable toward satisfied occupation has score 0,001 < 0,05 and Islamic work ethic toward  organizational commitment has score 0,006 < 0,05. It shows that Islamic work ethic partially give influence for satisfied occupation and organizational commitment as significant.

PENGARUH ETIKA BISNIS ISLAM DAN KUALITAS PELAYANAN TERHADAP KEPUASAN PELANGGAN DAN LOYALITAS PELANGGAN PADA BANK TABUNGAN NEGARA (BTN) SYARIAH CABANG BOGOR

Huzaimah, Huzaimah

An-Nisbah: Jurnal Ekonomi Syariah Vol 5, No 1 (2018): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Original Source | Check in Google Scholar |

Abstract

Abstrak: Perkembangan perbankan syariah saat ini masih belum memuaskan jika dibandingkan dengan perkembangan perbankan konvensional. Pertumbuhan pangsa pasar perbankan syariah yang relatif rendah disebabkan oleh rendahnya tingkat kepuasan serta loyalitas pelanggan untuk perbankan syariah. Penelitian ini bertujuan untuk mengetahui pengaruh etika bisnis Islam dan kualitas pelayanan terhadap kepuasan dan loyalitas pelanggan Bank BTN Syariah Cabang Bogor. Dalam penelitian ini, data diperoleh dari penyebaran kuesioner terhadap 100 nasabah Bank BTN Syariah Cabang Bogor, yang diperoleh menggunakan simple random sampling, kemudian dilakukan analisis dengan menggunakan analisis data kuantitatif. Analisis kuantitatif meliputi uji validitas, uji reliabilitas, uji asumsi klasik, analisis jalur (path analysis), pengujian hipotesis melalui uji t dan koefisien determinasi (R2) sedangkan pengolahan datanya menggunakan SPSS 23.0 for windows. Dari hasil pengolahan data penelitian diperoleh 2 hasil nilai R square, pertama diperoleh sebesar 0,245 menunjukkan tingkat kepuasan pelanggan atau nasabah BTN Syariah Cabang Bogor 24,5% dipengaruh oleh implentasi etika bisnis Islam dan kualitas pelayanan yang dilaksanakan oleh lembaga, adapun sisanya sebesar 75,5% dipengaruhi oleh variabel lain yang tidak masuk dalam penelitian ini. Nilai R square kedua diperoleh sebesar 0,438 menunjukkan tingkat loyalitas pelanggan atau nasabah BTN Syariah Cabang Bogor 43,8% dipengaruh oleh implentasi etika bisnis Islam dan kualitas pelayanan yang dilaksanakan oleh lembaga, adapun sisanya sebesar 56,2% dipengaruhi oleh variabel lain yang tidak masuk dalam penelitian ini. Hasil penelitian menunjukkan bahwa secara parsial variabel etika bisnis Islam memiliki pengaruh yang positif tidak signifikan terhadap loyalitas pelanggan dengan t hitung 0,469 dengan tingkat signifikansi 0,64 di atas 0,05. Variabel kualitas pelayanan memiliki pengaruh yang positif dan signifikan terhadap loyalitas pelanggan dengan t hitung 4,512 dengan tingkat signifikansi 0,00 di bawah 0,05. Sedangkan variabel etika bisnis Islam memiliki pengaruh yang positif dan signifikan terhadap loyalitas pelanggan dengan t hitung 4,104 dengan tingkat signifikansi 0,00 di bawah 0,05. Variabel kualitas pelayanan memiliki pengaruh yang positif dan signifikan terhadap loyalitas pelanggan dengan t hitung 5,218 dengan tingkat signifikansi 0,00 di bawah 0,05. Variabel kepuasan pelanggan memiliki pengaruh yang positif dan signifikan terhadap loyalitas pelanggan dengan t hitung 3,542 dengan tingkat signifikansi 0,01 di bawah 0,05. Kata Kunci: Etika bisnis Islam, kualitas pelayanan, kepuasan dan loyalitas pelanggan

Pengaruh Motivasi Kerja dan Disiplin Kerja Islam terhadap Produktivitas Kerja Karyawan

Hamidah, Winda

An-Nisbah: Jurnal Ekonomi Syariah Vol 5, No 1 (2018): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Original Source | Check in Google Scholar |

Abstract

Abstract: Every bank must be want every employees having optimal work productivity, because it will determined success or not the bank in the future. But the problems that emerged related work productivity employees at BPRS Amanah Ummah Leuwiliang Bogor is there is a lack of leader to Motivate the employees performance and level of Discipline the Islamic work is still low. Meanwhile, those factors is affect the work productivity employees. With that background, the writers research on the impact of Motivation Work employees and Discipline Islamic work against the Work Productivity employees (Study Cases at BPRS Amanah Ummah Leuwiliang Bogor). This study attempts to know how much Work Motivational influence and Islamic Discipline Work against employees Work Productivity at BPRS Amanah Ummah Leuwiliang Bogor. This research used a quantitative approach by spreading questionnaire to several employees BPRS Amanah Ummah Leuwiliang Bogor that as many as 40 employees. For analysis and the hypothesis use the multiple linear regression with software SPSS 23.0 for window. Based on T test results (partial regression coefficient test), that the variabel of Islamic Work Discipline have a significant positive affect on employee Work Productivity with significant value 0,00, meaning 0,00 < 0,05, thus giving the decision to reject Ho, from 40 samples analyzed  there is evidence that Work Productivity variable influenced significantly by variable of Islamic Work Discipline. Keywords: Work Motivation,Work Discipline and Work Productivity.  

ANALISIS KESESUAIAN SYARIAH PADA AKAD IJARAH MULTIJASA DI PERBANKAN SYARIAH (STUDI KASUS BPRS AMANAH UMMAH LEUWILIANG)

Nurfahmi, Rizka Ilhami, Kosim, Ahmad Mulyadi, Gustiawati, Syarifah

An-Nisbah: Jurnal Ekonomi Syariah Vol 5, No 1 (2018): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Original Source | Check in Google Scholar |

Abstract

BPRS amanah ummah mengeluarkan produk pembiayaan ijarah multijasa untuk memberikan solusi dalam memenuhi kebutuhan konsumtif masyarakat yang semakin bervariatif. produk pembiayaan ijarah multijasa adalah Pembiayaan yang diberikan bank kepada nasabah untuk memperoleh manfaat atas suatu jasa, dalam hal ini bank berhak mendapatkan ujrah/fee. Aplikasi pembiayaan multijasa yang ada dibprs amanah ummah menggunakan akad ijarah dan ujrah/fee disepakati diawal lalu dinyatakan dalam bentuk nominal bukan dalam bentuk prosentase sesuai dengan fatwa No.44/DSN-MUI/V/II/2004. produk pembiayaan multijasa pada aplikasinya nasabah tidak menerima uang tunai karena dari pihak bank sendiri yang akan langsung membayarkan sejumlah dana yang sudah disepakati dengan nasabah kepada pihak penyedia jasa yaitu lembaga pendidikan, rumah sakit atau travel hal ini sesuai dengan ketentuan ynag ada pada pembiayaan ijarah multijasa. produk Pembiayaan multijasa yang ada di BPRS amanah umah terdiri dari 3 produk yaitu produk pelayanan jasa untuk pendidikan, pelayanan jasa kesehatan, dan pelayanan jasa untuk umrah. Dengan menggunakan metode deskriptif kualitatif, penulis mencoba untuk menganalisa kesesuaian syariah pada aplikasi akad ijarah multijasa di perbankan syariah. dengan adanya penelitian tersebut diharapkan dapat menjadi acuan bank dalam mempertahankan agar aplikasi produk yang ada sudah sesuai dengan syariah terutama pada produk pembiayaan ijarah multijasa.

EFEKTIFITAS PELAKSANAAN RESCHEDULING DALAM PENANGANAN PEMBIAYAAN MURABAHAH BERMASALAH DI BTN SYARI’AH KANTOR CABANG BOGOR

Herdiana, Mia ( Universitas Ibn Khaldun )

An-Nisbah: Jurnal Ekonomi Syariah Vol 5, No 1 (2018): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Original Source | Check in Google Scholar |

Abstract

Abstract. Rescheduling of murabahah bill on islamic (sharia) bank allegedly making additions to the amount of remaining bills whose purpose is not clear and belongs to the category of usury. Rescheduling is a rescue action that undertaken by bnks to overcome the risk of problem financing. This study airms to determine the effectiveness of rescheduling implementation which is conducted by BTN Sharia Bogor brach office in handling the problematicfinancing. Especially in murabahah financing, either at the stage of analysis of prospetive brrowers before applying for financing, at the time of problem financing happens, and handling financing problems with restructuring-in this case is rescheduling. Method used in this research is a qualitative method with a descripsion analysis as an approach. Literatur review, observation, and interview are used as a way of data collecting. The result of this research shows that first, the rescheduling of murabahah bill of BTN ShariaBogor Branch Office represents the creation of new contract of rescheduling clled adendum akad, while the old contract was no longer valid. Secondly, the BTN Sharia Bogor Branch Office imposes on retardation (ta’zir) and compensation costs (ta’widh).

Pengaruh Strategi Promosi KPR Syariah terhadap Tingkat Kesadaran dan Minat Masyarakat dalam Memiliki Rumah (studi kasus BTN Syariah Cabang Bogor)

solihah, siti alis, Hakiem, Hilman, Kosim, Ahmad Mulyadi

An-Nisbah: Jurnal Ekonomi Syariah Vol 5, No 1 (2018): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Original Source | Check in Google Scholar |

Abstract

Based on the results of national records of sharia mortgage finance is still less exist than the conventional bank mortgage system. Some of the factors that trigger such problems include the lack of public awareness of the values ​​of sharia that the activities of usury in conventional banking practices is haram, the lack of public knowledge about the difference between the system and the principles of conventional banks and Islamic, public opinion that kpr with syariah system is more expensive than conventional kpr, without knowing the advantages of kpr syariah system. Therefore it is necessary for the delivery of information and education from Islamic banking that can be done through a promotional strategy. Based on the above reasons, this study aims to find out how the influence of promotional strategies on the publics perspective regarding the product kpr in Islamic banking, as well as the effect on the interest of the community in choosing the product of sharia kpr by using murabahah scheme. The type of research used is quantitative research with simple regression model through mediation variables. Mediation variable analysis technique using Causal Step (Baron and Kenny) and Product of Coefficient (Sobel Test) method. The result of this research is promotion strategy influence to interest with value a ≠ 0 at 95% confidence level. The level of public awareness significantly affects interest with the value of b = 0.774 at sig = 0,000. Public awareness mediate partially influence of promotion strategy to interest with marked decrease of c value, that is from c = 0,534 become c = 0,222 or c> c and result of calculation of z value count get value 1,686 bigger than z table (df = N- 2) with a significance level of 0.05 that is equal to 0.999

PENGARUH BAURAN PEMASARAN (PRODUCT, PRICE, PLACE, PROMOTION) TERHADAP PENJUALAN PRODUK HASIL PRODUKSI PETANI PADA PASAR TANI MEKAR JAYA KELURAHAN TOAPAYA

Hardiansyah, Raja ( STIE Pembangunan Tanjungpinang )

An-Nisbah: Jurnal Ekonomi Syariah Vol 5, No 1 (2018): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Original Source | Check in Google Scholar |

Abstract

Abstract This study aims to determine the factors that affect the sale of agricultural products in the farm market mekar jaya kelurahan toapaya asri, case study on visitors who buy agricultural products in the farm market bloom jaya kelurahan toapaya asri. Number of variables studied are independent variable of product (X1), price (X2), place (X3), promotion (X4) to sales dependent variable (Y). method using regression analysis with sample amounted to 100 respondents taken using simple random sampling technique. The result showed that the coefficient of determination (R square) was 0.815. the contribution of product variables, price, place and promotion to sales is 81,5% (0,815 x 100%) while the remaining 18,5% is influenced by other factors not in carefully. Keywords: products, price, place, promotions, sales Abstrak Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi penjualan produk pertanian di pasar tani mekar jaya kelurahan toapaya asri, studi kasus pada pengunjung yang membeli produk pertanian di pasar tani mekar jaya kelurahan toapaya asri. Jumlah variabel yang diteliti yaitu variabel independen produk (X1), harga (X2), tempat (X3), promosi (X4) terhadap variabel dependen penjualan (Y). metode menggunakan analisis regresi dengan sampel berjumlah 100 responden yang diambil menggunakan teknik simple random sampling. Hasil penelitian menunjukkan nilai koefisien determinasi (R square) adalah 0,815. kontribusi dari variabel produk, harga, tempat dan promosi  terhadap penjualan yaitu 81,5% (0,815 x 100%) sedangkan sisanya 18,5% dipengaruhi oleh faktor lain yang tidak di teliti.kata kunci: produk, harga, tempat, promosi, penjualan