SAHID BANKING JOURNAL

COMPARATIVE ANALYSIS OF FINANCIAL PERFORMANCE BETWEEN BANK MUAMALAT AND BANK SYARIAH MANDIRI PERIOD 2015-2019

Dhea Nurfauziah, Rully Trihantana, Ria Kusumaningrum — Sat, 25 May 2024 00:00:00 +0000

This study aims to determine the financial performance of Bank Muamalat and Bank Syariah Mandiri and to find out whether there is a significant difference between the financial performance of Bank Muamalat and Bank Syariah Mandiri for the period 2015 to 2019. The subjects of this study were Bank Muamalat and Bank Syariah Independent. In this study using comparative and quantitative analysis methods and using secondary data, namely financial reports and annual reports published in 2015-2019. The results of this study are that Bank Muamalat and Bank Syariah Mandiri have good financial performance when viewed through the CAR ratio while viewed through NPF and FDR, Bank Muamalat and Bank Syariah Mandiri have good financial performance. With this research, it can be concluded that Bank Muamalat and Bank Syariah Mandiri show very good financial performance when viewed in terms of CAR ratio while when viewed in terms of NPF and FDR ratios Bank Muamalat and Bank Syariah Mandiri show good financial performance and there are significant differences on the financial performance of Bank Muamalat and Bank Syariah Mandiri where based on the ratio test (ROA, ROE, DGR, LGR, CAR) the performance of Bank Syariah Mandiri as a whole is better than the performance of Bank Muamalat.

FACTORS WHICH AFFECTS PUBLIC INTEREST REGARDING GOLD PARTNER FINANCING WEST JAVA SHARIA BANK RED BRIDGE SUPPORT BRANCH OFFICE, BOGOR CITY, WEST JAVA

Nina Mulniasari, Rully Trihantana, Ria Kusumaningrum — Sat, 25 May 2024 00:00:00 +0000

This study aims to determine and analyze the influence of factors consisting of cultural, social, personal, psychological, reference, and economic factors on people’s interest in choosing Mitra Emas Financing at BJB Syariah KCP Jembatan Merah. The type of research used in this thesis is a quantitative methode. The processed data is in the form of partial and simultaneous data. Data analysis techniques used in this study using observation and questionnaires, data processing using SPSS. Based on the result of the study, it showed that culture ((X1), social (X2), personal (X3), psychological (X4), reference (X5), economics(X6), had an effect on Public Interest in BJB Syariah KCP Jembatan Merah Gold Partners Financing. This is evidenced by the value of t count > t table. Therefore ho is rejected and He is accepted. From the test results on the simultaneous research of cultural, social, personal, psychological, reference, and economic factors and real influence on people’s interest in gold partner financing. This is evidenced by the F count > F table (37.477 > 2.29) and the sig value of 0.000 < 0.05. So the calculation shows that the independent variables consist of culture, social, personal, psychological, reference, and economics.

ANALYSIS OF THE ROLE OF MICRO BUSINESS FINANCING IN SMALL AND MEDIUM MICRO ENTERPRISES AT INDONESIAN SHARIA BANK TAJUR SUPPORT BRANCH OFFICE, BOGOR CITY, WEST JAVA

Elisa Rahman, Rully Trihantana, Ermi Suryani — Sat, 25 May 2024 00:00:00 +0000

Bank Syariah Indonesia KCP Bogor Tajur 1 is one of the financial institutions that distributes People's Business Credit funds to MSMEs. This study aims to find out how the role of Bank Syariah Indonesia KCP Bogor Tajur 1 in providing financing for KUR funds during the Covid 19 pandemic to financing customers for MSME actors, and how the impact of People's Business Credit (KUR) funds on Micro Business actors. This research method is a type of qualitative research with a field research method approach (field research) which is the object of this research, na mely 4 KUR financing customers and 2 staff employees of Bank Syariah Indonesia KCP Bogor Tajur 1. The results of the research at Bank Syariah Indonesia KCP Bogor Tajur 1 played a role in MSME customers during the Pandemic, namely the existence of policies from the bank towards financing customers affected by the Covid - 19 pandemic who experienced congestion in payments, namely the addition of an installment period (restructuring), and the existence of increase in income and business development of financing customers after using KUR.

ISLAMIC BANKING ANALYSIS THE INFLUENCE OF MICRO CREDIT SALES SERVICE QUALITY ON CONSUMER SATISFACTION AND ITS IMPACT ON CREDIT RECOVERY INTERESTS AT BANK MANDIRI TAWES SUPPORT BRANCH OFFICE, JAKARTA

Munandar, Tubagus Rifqy Thantawi, Mohamad Kharis Mubarok — Sat, 25 May 2024 00:00:00 +0000

The purpose of this study was to determine the effect of Micro Credit Sales (MKS) Service Quality on Consumer Satisfaction and Its Impact on Interest in Credit Retrieval (Survey on Micro Credit Consumers at Bank Mandiri Tawes). The number of samples is 71 respondents. The results of this study state that: service quality has a positive effect on customer satisfaction which can be seen in the results of path analysis, the results of the equation model 1 are Y = 15.223 + 0.509 X + 0.630 Z and the equation model 2 is Z = 4.227 + 0.909 X , while the results of the t test in model 1 obtained the value of sig. 0.009 < 0.05 and t value 5.090 > 1.99495, it means that there is a significant influence between Service Quality on credit re-taking while for consumer satisfaction with credit re-taking is 0.000 < 0.05 and the t-value is 6.753 > 1.99495 which means there is an influence which is significant between consumer satisfaction with credit re-taking and in model 2 the results of the t test with a value of sig. 0.000 <0.05 and the t-count value is 11.916> 1.99495, it means that there is a significant influence between Service Quality on customer satisfaction. Furthermore, in the Sobel test, the z-value obtained is 4.567> 1.98 with a significance level of 5%, it proves that customer satisfaction significantly mediates the effect of service quality on credit withdrawal.

INTEREST AND UTILIZATION ANALYSIS FINANCIAL TECHNOLOGY (FINTECH) BASED APPLICATIONS ON EMPLOYEES AMANAH UMMAH SHARIA PEOPLE'S FINANCING BANK, BOGOR DISTRICT, WEST JAVA

Fariz Fajar Riyadi, Rully Trihantana, Ria Kusumaningrum — Sat, 25 May 2024 00:00:00 +0000

The presence of application-based Financial Technology (Fintech) Payment services is an innovation that makes it one of the supports in non-cash transactions and supports the National Non-Cash Movement (GNNT) which has been launched by Bank Indonesia (BI) since 2014. Fintech Payment has a portion greater usage than other Financial Technology services. The use of these services has increased during the COVID-19 pandemic because it can reduce physical contact between buyers and sellers during transactions. In 2021 the use of the DANA, OVO and GOPAY applications will be the highest used fintech payment applications and have the largest users on the island of Java, namely Jakarta, West Java, Central Java, Yogyakarta and East Java. Therefore an analysis is needed regarding the interest and utilization of financial technology-based applications. This research was conducted with the aim of knowing the factors and perceptions of BPRS Amanah Ummah employees about their interest in using the application. This research uses quantitative survey method. The technique used in collecting data by distributing questionnaires. The results of this study indicate that Perceived Convenience (X1), Perceived Usefulness (X2), and Perceived Trust (X3) influence the interest in using financial technology (fintech)-based applications (Y) by 70.1%. Meanwhile, the rest (29.9%) is influenced by other variables outside of this study. Perceived trust has a significant effect on interest in using financial technology (fintech)-based applications, while perceived convenience and perceived usefulness have no significant effect. So that if there is an increase or decrease in the level of trust in fintech payment services, this will be followed by an increase or decrease in interest in using fintech payments (DANA/OVO/GOPAY)..

MONITORING IMPLEMENTATION ANALYSIS CUSTOMER FINANCING AMANAH UMMAH SHARIA PEOPLE'S FINANCING BANK, BOGOR DISTRICT, WEST JAVA, DURING THE COVID-19 PANDEMIC

Rafiduddin, Rully Trihantana, Ria Kusumaningrum — Sat, 25 May 2024 00:00:00 +0000

Since the Covid-19 pandemic, the decline in business activities of BPRS Amanah Ummah customers has had an impact on the ability to pay installment obligations or the emergence of problematic financing. So that the financing monitoring process runs tighter than usual. The purpose of this study is to analyze and find out the course of financing monitoring activities at BPRS Amanah Ummah and how to resolve problematic financing. The research method used in this research is a qualitative method. Qualitative method is a research method that produces descriptive data in the form of written or spoken results from people or behavior that can see and pay attention to a research result. With this research it can be concluded that the financing monitoring function at the BPRS Amanah Ummah is running well. Because, even though we are in a pandemic, the NPF ratio is still within normal limits or 1% ≤, namely 3.74% in 2020 and 2.83% in 2021.

STRATEGY ANALYSIS INCREASING INCOME FROM HAJJ SAVINGS SAVINGS AND LOANS COOPERATIVES AND SHARIA FINANCING BAYTUL IHKTIAR LEUWISADENG BRANCH, BOGOR DISTRICT, WEST JAVA

Gilang Permana Putra, Tubagus Rifqy Thantawi, Azizah Mursyidah — Sat, 25 May 2024 00:00:00 +0000

This research aims to analyze and find out the current internal and external environment of KSPPS Baytul Ihktiar Leuwisadeng Branch, especially with regard to community empowerment through Hajj Savings at KSPPS Baytul Ihktiar Leuwisadeng Branch, analyze and find out what factors are internally and externally attached to KSPPS Baytul Ihktiar Leuwisadeng Branch in community empowerment through Hajj Savings, as well as analyzing and knowing the strategies that need to be carried out by KSPPS Baytul Ihktiar Leuwisadeng Branch in empowering the community through Hajj Savings. The method used is a qualitative method, with SWOT analysis techniques. The results of the study stated that based on the IFAS and EFAS matrix tables with a total value of IFAS 2.40 and EFAS 3.11. The next strategy that must be carried out by KSPPS Baytul Ihktiar Leuwisadeng Branch in developing the Islamic economy and empowering the community through Hajj Savings is to concentrate on Vertical Integration, which is a strategy that aims to further strengthen the market share of Hajj Savings by expanding the network in Bogor Regency and its surroundings.

THE ROLE OF MURABAHAH FINANCING ON DEVELOPMENT MICRO SMALL AND MEDIUM ENTERPRISES MEMBERS OF SAVINGS AND LOAN COOPERATIVES AND SHARIA FINANCING BAYTUL IKHTIAR TAMANSARI BRANCH, BOGOR DISTRICT, WEST JAVA

Muhamad Yogi Adrian, Tubagus Rifqy Thantawi , Mohamad Kharis Mubarok — Sat, 25 May 2024 00:00:00 +0000

The Muralbalhalh finalncing provided by the Talmalnsalri bralnch of KSPPS Balytul Ikhtialr to Micro, Smalll alnd Medium Enterprises (MSMEs) tralders is used to meet the needs of the business world alnd their living needs. So thalt malny of the Micro, Smalll alnd Medium Enterprises (MSMEs) tralders alre interested in the muralbalhalh finalncing offered by the Talmalnsalri bralnch of KSPPS Balytul Ikhtialr. Balsed on the albove presentaltion, the formulaltion of the problem in this study is how the chalralcteristics of all-muralbalhalh finalncing in the Talmalnsalri bralnch of KSPPS Balytul Ikhtialr, How the Development of MSMEs members of the Talmalnsalri bralnch of KSPPS Balytul Ikhtialr alnd how the role of All-Muralbalhalh Finalncing on MSMEs members of the Talmalnsalri bralnch of KSPPS Balytul Ikhtialr. The theoreticall concept used in this study refers to the theoreticall concepts of Veithzall Rivali alnd Alrviyaln Alrifin, it is salid thalt the purpose of providing finalncing includes five stalges, nalmely: improving the people's economy, providing business funds, increalsing productivity, crealting jobs, alnd distributing income. This study used field resealrch (field resealrch) daltal obtalined from interview results. This resealrch wals palssed through aln observaltion process, questionnalires alnd collecting alccuralte daltal balsed on the falcts of the source, then documentaltion to complete alnd provide informaltion in the resealrch process. The results of this studystalted thalt the chalralcteristics of muralbalhalh finalncing alt the Talmalnsalri bralnch of KSPPS Balytul Ikhtialr used al salle alnd purchalse algreement, the profit wals in the form of al salles malrgin algreed by both palrties. The muralbalhalh finalncing mechalnism implemented by the Talmalnsalri bralnch of KSPPS Balytul Ikhtialr provides convenience for MSME alctors in obtalining aldditionall business calpitall. KSPPS Balytul Ikhtialr Talmalnsalri bralnch hals provided muralbalhalh finalncing in alccordalnce with the desired talrgets alnd talrgets.

INFLUENCE ANALYSIS LITERACY OF SHARIA AGREEMENTS FOR COOPERATIVE MEMBERS REGARDING FINANCING DECISION MAKING AT BAYTUL IKHTIAR SAVINGS AND LOANS AND SHARIA FINANCING COOPERATIVE PAMIJAHAN BRANCH, BOGOR DISTRICT, WEST JAVA

Muhamad Ichsan Fadilah, Tubagus Rifqy Thantawi, Mohamad Kharis Mubarok — Sat, 25 May 2024 00:00:00 +0000

Today's Islamic financial institutions show very rapid progress in all countries that have a Muslim majority and with the development of knowledge and awareness about the prohibitions that have been determined by Islamic sharia. Likewise in Indonesia, which has a majority Muslim population. The purpose on this study is to analyze and explain the influence of Sharia contract literacy which is divided into four factors that are considered to have an influence, namely the knowledge, abilities, attitudes and beliefs of members of KSPPS Baytul Ikhtiar Pamijahan Branch in making decisions to finance at KSPPS Baytul Ikhtiar. The method used on this research is quantitative method with the data collection method using primary data obtained through a questionnaire with a sample of 100 respondents

COMMUNITY BEHAVIOR ANALYSIS REGARDING SHARIA BANK FINANCING POLICY (STUDY IN KAREHKEL VILLAGE, LEUWIMEKAR VILLAGE AND BARENGKOK VILLAGE, LEUWILIANG DISTRICT, BOGOR DISTRICT, WEST JAVA).

Muhammad Wildan Fauzi Rahman, Tubagus Rifqy Thantawi, Miftakhul Anwar — Sat, 25 May 2024 00:00:00 +0000

Customer behavior is an activity that discusses and explains how to make decisions both individually and in groups to determine decisions to use or make purchases of a product, in this case an assessment of Islamic banking financing policies. The main objective of this study is to analyze customer behavior in taking financing at Islamic banks. This study used a proportionate stratified random sampling technique. Data collection was carried out by library research, documentation study and observation. The results of this study prove that customer behavior has a positive and significant influence of 86.1% on Islamic banking policies. The realization of these sharia banking policies is based on the behavior of customers who want these sharia banking policies to provide customer trust and satisfaction.

INFLUENCING FACTORS INTEREST OF FARMERS IN PAMIJAHAN DISTRICT, BOGOR DISTRICT, WEST JAVA, REGARDING SHARIA BANK FINANCING

Muhamad Reza Nurapriajul Kurnaen, Rully Trihantana, Ria Kusumaningrum — Sat, 25 May 2024 00:00:00 +0000

Most of the Indonesian people carry out agricultural sector activities by relying on their own capital or funds. Lack of availability of capital for the agricultural sector will lead to a decrease in agricultural output. Therefore, the best alternative is the provision of capital in the form of Islamic bank financing for farmers in carrying out farming activities. The purpose of this study was to analyze the factors that influence the interest of rice farmers in Pamijahan District (Pamijahan Village, Cibunian Village, and Ciasihan Village) towards financing in Islamic banks with quantitative methods, primary data obtained from the results of distributing questionnaires to a sample of 78 respondents. The results showed 5 independent variables consisting of promotion, knowledge, income, education level, religiosity, variables that can affect farmers' interest, namely the knowledge variable with a tcount value of 2,945 > ttable 1,991. and the sig value is 0.004 < 0.05. Meanwhile, simultaneously the independent variables consisting of promotion, knowledge, income, education level, and religiosity have a positive effect on Islamic financing with a value of fcount > ftable (4.723 > 2.34) and a sig value of 0.001 < 0.05.

ANALYSIS OF VILLAGE INCOME FORECASTING AS AN ASSESSMENT FOR THE ESTABLISHMENT OF A VILLAGE OWNED ENTERPRISES (BUMDES) WITH SHARIA FINANCING IN GUNUNG MenyAN VILLAGE, PAMIJAHAN DISTRICT, BOGOR DISTRICT, WEST JAVA

Sella Oktavani, Tubagus Rifqy Thantawi, Azizah Mursyidah — Sat, 25 May 2024 00:00:00 +0000

This study aims to determine village income in the attitude of BUMDES which finance sharia and analyze forecasting of village income in the attitude of BUMDES which finance sharia in Gunung Menyan Village, Pamijahan District. The subject of this research is BUMDES Gunung Menyan Village, Pamijahan District, Bogor. In this study using the method The research method used in this study is the Quantitative forecasting method is a forecasting method that uses mathematical calculations in its calculations. The types and sources of research data are using primary data and secondary data. the results of forecasting or predictions that have been calculated using the seller model Linear Trend, Quadratic Trend and Exponential Trend are the predicted results of the final Linear Trend. 94813001.1, or rounded up to Rp. 94,813,001, the Quadratic Trend prediction result is Land and Building Tax Receipts in 2024 which is estimated at 171961420.9, or rounded up to Rp. 171,961,420, while the Exponential Trend prediction result is Land and Building Tax Receipts in 2024 is estimated at 22728013.9, or rounded up to IDR 22,728,013.