scholarly journals Mobile Banking Services Strategy For BRI Syariah Customers (BSI) Bengkulu

2021 ◽  
Vol 2 (2) ◽  
pp. 185-198
Author(s):  
Deni Widya Santi ◽  
Iwan Saputra ◽  
Nurrahma Putri ◽  
Miti Yarmunida ◽  
Andi Harpepen
Keyword(s):  
Customer Service ◽  
Field Research ◽  
Secondary Data ◽  
Research Field ◽  
Mobile Banking ◽  
Banking Services ◽  
Customer Perceptions ◽  
Final Project ◽  
Application Service ◽  
Qualitative Descriptive

There are three issues studied in this final project, namely (1) knowing which services are available through immobile ibanking, (2) customer perceptions of the imobile ibanking application, (3) constraints in operating the immobile ibanking service. The purpose of this research is to build quality services in customer satisfaction. The author uses this type of field research (Field Research) with qualitative descriptive research methods, namely research conducted directly in the field, from the results of this study that customers are satisfied with the mobile banking application, making it easier for customers to make transactions in the mobile banking application, the data is collected in the mobile banking application. This research comes from primary and secondary data sources in the form of interviews and documentation related to mobile banking services. It is hoped that a stable inetwork i will be given to users of the imobile ibanking application so that they are able to enjoy the features of the imobile ibanking application service in any circumstances. which is made easy for iBRI iSyariah customers to share with the imobile banking application, which is in the form of various interesting features that can be utilized by BRI iSyariah customers. This can increase the number of ibank BRI Syariah customers. From the results of this study, it can be concluded that the imobile ibanking service for customers of iBRI isyariah iBengkulu, can download the download ID of the iplay application store isstore so that customers can use the features that are available i service imobile ibanking application Perception or it is very responsive to customer service ibanking, and iyang easy services. By overcoming the less unstable inetwork, the customer has a strong i-network operator, by updating the application on imobile banking.

scholarly journals Analisis Persepsi Nasabah Konversi Bank Nagari Konvensional menjadi Bank Nagari Syariah

2020 ◽  
Vol 5 (02) ◽  
pp. 190-202
Author(s):  
Nasfi Nasfi ◽  
Sandra Dewi ◽  
Sabri Sabri
Keyword(s):  
Descriptive Analysis ◽  
Field Research ◽  
The United States ◽  
Research Field ◽  
Customer Perceptions ◽  
Digital Ecosystem ◽  
Qualitative Descriptive ◽  
Internal Side ◽  
The Impact ◽  
Depth Interviews

The purpose of this study is to determine and analyze customer perceptions about the conversion of conventional Nagari Bank to Islamic Nagari Bank, as well as to analyze the obstacles that occur when conventional Nagari Bank converts to Bank Nagari Syariah. The research method is field research (field research), data collection techniques using observation, in-depth interviews and documentation and data analysis techniques using qualitative descriptive analysis methods. The results showed that the dominant perceptions of Bank Nagari customers supported and loyal to the decision of Bank Nagari to convert to Sharia so that they could apply the Minangkabau philosophy. Meanwhile, the obstacles faced by Bank Nagari are from the internal side such as the readiness of human resources, the era of digitalization or the digital ecosystem and it is not easy to provide products that have significant changes, from the external side such as the spread of the corona virus, the impact of the trade war between the United States and China and different views from Public.  

scholarly journals Efektifitas Zakat Produktif Dalam Memberdayakan UMKM (Studi Kasus Pelaku UMKM di Pedan, Klaten, Jawa Tengah)

2021 ◽  
Vol 7 (1) ◽  
pp. 174
Author(s):  
M Usman ◽  
Nur Sholikin
Keyword(s):  
Positive Impact ◽  
Field Research ◽  
Secondary Data ◽  
Research Field ◽  
Primary Data ◽  
Net Income ◽  
Business Results ◽  
Capital Growth ◽  
Before And After ◽  
Qualitative Descriptive

Productive zakat is zakat given to a person or group of people to be used as working capital. Giving productive zakat to mustahik MSME actors is expected to help increase Mustahik's income so that it can reduce poverty levels. Productive zakat distribution at Baznas is expected to be able to alleviate poverty in society. In 2018, Pedan District was one of the areas selected by Baznas in distributing productive zakat to MSME players. This sub-district is located in Klaten Regency which has a position as one of the development centers of Klaten Regency. The majority of Pedan people work as MSME actors, so that if the potential of this community can be maximized it will reduce the level of poverty in the area. This research is a field research (field research). To achieve this goal the writer uses a qualitative descriptive approach. In this study, primary data was generated from interviews with mustahik who received assistance from Baznas. Meanwhile, secondary data is obtained from books, journals and related laws and regulations. The results showed that the distribution of productive zakat at Baznas to MSME players in Pedan has had a positive impact on increasing their business results as seen from the amount of mustahik income before and after receiving productive zakat calculated from the total net income of MSMEs after receiving assistance from Baznas, return or net profit received by mustahik in 2018 and 2019, the final capital analysis is calculated after the total liabilities and equity of MSME businesses, the level of capital growth (Pedan people) before and after receiving productive zakat

scholarly journals PROSEDUR PENETAPAN BANTUAN STIMULAN PERUMAHAN SWADAYA PERSPEKTIF FIQIH SIYASAH DUSTURIYAH (Studi Kasus Di Jorong Buluh-Kasok Kenagarian Padang Air Dingin Kecamatan Sangir Jujuan Kabupaten Solok-Selatan)

2021 ◽  
Vol 2 (2) ◽  
pp. 167
Author(s):  
Srima Yengsi ◽  
Sulastri Caniago
Keyword(s):  
Field Research ◽  
Secondary Data ◽  
Research Field ◽  
Data Sources ◽  
Primary Data ◽  
Self Help ◽  
Principle Of Justice ◽  
Qualitative Descriptive ◽  
Executive Agency ◽  
Descriptive Method

This paper aims to explain the procedure for determining self-help housing stimulant assistance in Jorong Buluh-Kasok Nagari Padang Air Cold, Sangir Jujuan District, Solok-Selatan Regency based on the Minister of PUPR Regulation Number 13/PRT/M/2016 and the Fiqh Siyasah Duturiyah Perspective. The type of research is field research (field research). The data sources of this study consisted of primary data sources, namely the head of the technical team for house renovation in Solok-Selatan Regency, the head of the administrative section of the wali nagari, the head of jorong Buluh-Kasok, community leaders in Jorong Buluh Kasok and secondary data, namely scientific books, research results, legislation related to research and documents. Data collection techniques are interviews and documentation. The data were analyzed using a qualitative descriptive method. This study found that the cause of the mechanism for determining the self-help housing stimulant assistance in Jorong Buluh Kasok was not right on target because there were parties who did not carry out their technically determined duties. Of the three persons in charge and requesting house renovation assistance, namely: the Technical Team for house renovation, the Wali Nagari Padang Air Cold, and Jorong Buluh-Kasok. The party who does not carry out their duties is the technical team for home renovation, where the technical team does not carry out their duties as supervisors for the implementation of home renovation assistance, while in Ministerial Regulation No. and evaluation of the provision of home surgery assistance. Meanwhile, according to Fiqh Siyasah Duturiyah's view of the procedure for determining this self-help housing stimulant assistance, it lies in the task of the executive agency (al-sultah al-tanfidziyah) where the task of the al-sultah al-tanfidziyah institution is to implement the laws and regulations that have been set. , in the principle of fiqh siyasa this is included in the principle of justice where to create justice one must not look at status or position.

UPAH MENGUPAH PERTANIAN DALAM TINJAUAN FIQH MUAMALAH (Studi di Nagari Bukit Kandung Kecamatan X Koto Diatas Kabupaten Solok)

2021 ◽  
Vol 2 (3) ◽  
pp. 59
Author(s):  
Susanti Krismon ◽  
Syukri Iska
Keyword(s):  
Data Collection ◽  
Data Processing ◽  
Field Research ◽  
Secondary Data ◽  
Research Field ◽  
Farm Workers ◽  
Data Sources ◽  
Primary Data

This article discusses the implementation of wages in agriculture in Nagari Bukit Kandung Subdistrict X Koto Atas, Solok Regency in a review of muamalah fiqh. The type of research is field research (field research). The data sources consist of primary data sources, namely from farmers and farm laborers who were carried out to 8 people and 4 farm workers, while the secondary data were obtained from documents in the form of the Bukit Kandung Nagari Profile that were related to this research, which could provide information or data. Addition to strengthen the primary data. Data collection techniques that the author uses are observation, interviews and documentation. The data processing that the author uses is qualitative. Based on the results of this study, the implementation of wages in agriculture carried out in Nagari Bukit Kandung District X Koto Diatas Solok Regency is farm laborers who ask for their wages to be given in advance before they carry out their work without an agreement to give their wages at the beginning. Because farm laborers ask for their wages to be given at the beginning, many farm workers work not as expected by farmers and there are also farm workers who are not on time to do the work that should be done. According to the muamalah fiqh review, the implementation of wages in agriculture in Nagari Bukit Kandung is not allowed because there is an element of gharar in the contract and there are parties who are disadvantaged in the contract, namely the owner of the fields.

APPLICATION OF AKAD IJARAH ISLAMIC LAW IN THE AL-QUR'AN

ISLAMIKA ◽  
2020 ◽  
Vol 14 (1) ◽  
pp. 1-11
Author(s):  
Ade Jamarudin ◽  
Ofa Ch Pudin
Keyword(s):  
Financial Institutions ◽  
Islamic Law ◽  
Financial Institution ◽  
Field Research ◽  
Secondary Data ◽  
Research Field ◽  
Islamic Banking ◽  
Library Research ◽  
Human Labor ◽  
Leasing Company

Ijarah is a contract on the transfer of goods or services with rewards instead. Ijarah based transactions with the displacement benefit (rights to), not transfer of ownership (property rights), there ijara financing translates as buying and selling services (wages hired), that take advantage of human power, there is also a translate lease, which take advantage of goods. Application ijarah growing financial institutions in the current Shari'ah is happening on the leasing company (financial institution based on Islamic teachings, as well as Islamic banking is one of the products in Islamic finance. Application ijarah emerging financial institutions shari'ah 'ah at the moment that is happening on the leasing company (financial institution based on Islamic teachings, as well as Islamic banking is one of the Islamic financing products). This research is a library research (library research) and field research (field research), and is descriptive, analytic and comparative. Data sources used in this study are sourced from primary and secondary data. Ijarah transactions are based on the transfer of benefits (use rights), not the transfer of ownership (ownership rights), some translate ijarah financing as the sale and purchase of services (wage wages), i.e., taking the benefits of human labor

scholarly journals What keeps Islamic mobile banking customers loyal?

2019 ◽  
Vol 10 (2) ◽  
pp. 525-542 ◽  
Author(s):  
Mohamed Asmy Bin Mohd Thas Thaker ◽  
Md Fouad Bin Amin ◽  
Hassanudin Bin Mohd Thas Thaker ◽  
Anwar Bin Allah Pitchay
Keyword(s):  
Customer Satisfaction ◽  
Customer Service ◽  
Mediating Effect ◽  
Primary Data ◽  
Islamic Banking ◽  
Intention To Use ◽  
Mobile Banking ◽  
Continuance Intention ◽  
Banking Services ◽  
Content Type

Purpose This study aims to find important factors of Malaysian Islamic banking customers’ loyalty or continuance intention to use Islamic mobile banking services. Design/methodology/approach The primary data are collected from the survey administered to 250 customers in the Klang Valley and the analysis is conducted using partial least squares (PLS). Findings Based on the findings, continuance intention of using Islamic mobile banking services was found to be depended on the usability of mobile banking services, customer service provided by Islamic banks towards mobile banking services, customer satisfaction on mobile banking services and trust of customers towards mobile banking services. In addition, the mediating effect of Islamic mobile banking services continuance adoption is significantly influenced by customer satisfaction and trust. Research limitations/implications The sample size and area of study become the obvious limitations, and interpretation of the results and conclusion cannot be as generalised. In addition, as the respondents of this study are existing customers who have used Islamic mobile banking services at least once, relying on the perception of one key informant might imply cognitive biases. Besides, the use of current factors might limit the ability to explore other potentially important determinants of the customers’ continuance intention in using Islamic mobile banking services. Practical implications By understanding these continuance intention factors amongst the customers, it would help the industry player particularly Islamic banking to plan and strategise appropriate policies and support necessary programmes on diversifying and promoting financial transaction using mobile banking services amongst their existing and potential customers. Originality/value This paper offers an additional literature on Islamic mobile banking, especially from the Malaysian context. There is a lack of study that focuses on loyalty towards Islamic mobile banking services. The paper is considered to be the first attempt to examine the factors that influence Malaysian Islamic banking customers’ loyalty or continuance intention to use Islamic mobile banking services.

scholarly journals PENERAPAN QANUN ACEH DI KOTA SUBULUSSALAM: Kajian Atas Qanun No. 12, 13 Dan 14 Tahun 2003

2019 ◽  
Author(s):  
Ali Geno Berutu
Keyword(s):  
Local Government ◽  
Islamic Law ◽  
Central Government ◽  
Field Research ◽  
Secondary Data ◽  
Research Field ◽  
Primary Data ◽  
Legislative Process ◽  
Islamic State ◽  
Political Consolidation

his Research proves that the implementation of Aceh Qanun No. 12, 13 and 14 Year 2003 on Khama r, M a i s i r , and Khalwat in Subulussalam is not completely worked well, because in addition to legal issues qanuns, most have efforts political consolidation of the central government and local government. This thesis supports and strengthens the conclusion Michail Buehrel in this article entitled “The Rise of Sharia by Laws in Indonesia District an Indication For Changing Patterns of Power Accumulation and Political Corruption ” (2008) who found the formulization of Islamic Law in the region is political consolidation instrument for exploring the local government, especially financially in building. Buehler did not even find a conservative movement in the imposition of Islamic Law in the area. This research also support M.B Hooker’s opinion in his work entitled Indonesian Syariah : Defining a National School of Islamic Law, (2008)which states that in legislative process of Islamic law in aceh. There are many obstacles and barriers , because the Sharia Law to be applied must necessarily correspond with the system national law, while the central government to add more breadth of autonomy for Aceh in the part of Islamic Law to legislate in the part of law qanuns jina>na>t . This thesis does not agree with the conclusion of Harold Crouch in his work The Recent Resurgence of Political Islam in Indonesia, “ Islam In Southeast Asi a: Analysing Recent Development” , ed. Anthony L. Smith, (Singapore: ISEAS, 2002) as saying that the barrage history of failure of Islamic parties in order to implement Islamic Law-making opportunities for the application of Islamic Law in Indonesia did not exist. Crouch’s opinion just say that the application of Islamic Law to be in the sense of establishing an Islamic State. Data obtained from field research (field research) with qualitative methods and approach the socio - legal - historical . The primary data of the document and the results wawancara and field observations. Primary data in the form of documents are: Law No. 44 In 1999, Law No. 18 of 2001, Law No. 11 In 2006, Qanun 5 In 2000, Qanun No. 12, 13, 14, 2003, Qanun 7 In 2013, Qanun 6 In 2014 and Qanun 8 Year 2014. The primary data in the form of interviews and observations sourced from: Office of Islamic Law (DSI), the Wilayatul Hisbah (WH), the Court Syar'iyah (MS), the Police, the Mufti Consultative Assembly (MPU), the Aceh Tradition Council (MAA). Secondary data in the form of: 1) the books on Islamic law, sociology and anthropology of law, the historical development of Islam in Indonesia; 2) journals and other scholarly works that examine the rules of Islamic law, the application of Islamic law, social and Community; 3) as well as other sources such relevant, scientific papers, websites, newspapers, magazines and others

scholarly journals Persepsi Nasabah Tentang Mutu Pelayanan Dan Produk Bankaltimtara Syariah Cabang Samarinda

AL-TIJARY ◽  
2018 ◽  
Vol 4 (1) ◽  
pp. 53-60
Author(s):  
Irma Yuliani
Keyword(s):  
Data Collection ◽  
Service Quality ◽  
Field Research ◽  
Quality Of Services ◽  
Customer Needs ◽  
Customer Perceptions ◽  
Qualitative Descriptive ◽  
Positive Results

This study aims to determine customer perceptions of service quality and products of Kaltimtara Sharia Bank Samarinda Branch. This type of research is field research. The nature of this study is qualitative descriptive by using interviews and questionnaires as data collection techniques. The population in this study are all priority customers of Samarinda Bank Kaltimtara Syariah Branch, amounting to 300 customers, using purposive techniques. sampling, the research sample was 75 respondents and interviews with related parties. The results showed that customer perceptions of service quality and products at Bankaltimtara Syariah Samarinda branch were measured using the CARTER dimension (Compliance, Assurance, Reliability, Tangibles, Emphaty, and Responsiveness). Whereas for products measured through 6 dimensions which include Performance, Features, Realiability, Durability, Conformance to specifications and aesthethic shows positive results which are very good but the things that need to be considered are regarding the need for additional park land specialized and financial consultations to meet priority customer needs. This is in line with the results of interviews with relevant parties that indicate the quality or quality of services and products that are sharia standard and in accordance with the vision and mission of Bankaltimtara Syariah.

scholarly journals Application of Quick Response Code Indonesian as a Payment Tool in Digitizing MSMEs

SENTRALISASI ◽  
2022 ◽  
Vol 11 (1) ◽  
pp. 1
Author(s):  
Desy Tri Anggarini
Keyword(s):  
Financial Literacy ◽  
Field Research ◽  
Secondary Data ◽  
Primary Data ◽  
Quick Response ◽  
Response Code ◽  
Quick Response Code ◽  
Qualitative Descriptive ◽  
Observation Method ◽  
Financial Technology

The purpose of the research is to contribute to the development of technology in the financial sector, to give influence to the community in terms of cashless, then also to provide insight into financial technology on financial literacy by using QRIS (Quick Response Code Indonesian). MSME  use facilitate their business activities by implementing fintech in terms of transaction management and the role of financial technology, is the QRIS (Quick Response Code Indonesian) application as a means of payment. The research method used in the research on the application of QRIS (Quick Response Code Indonesian) as a Payment Tool in digitizing MSMEs is a qualitative descriptive study using field research methods. This study uses interviews with 10 traders and 10 UMKM consumers who use QRIS. The research location is in BSD Modern Market, using non-probability techniques. Primary data taken directly from the object of research. With the direct observation method at the BSD modern market, South Tangerang with interview techniques for both consumers and traders who use QRIS as well as secondary data also obtained through various literatures. The result of the research is that QRIS as a digital payment tool for MSMEs is non-cash digital payment using Gopay, Ovo and others. QRIS has the potential to expand MSME sales, with QRIS an increase in digital sales traffic and a decrease in cash, minimizing the risk of paying counterfeit money, automatically recording transactions, building credit profiles for banks, making it easier to get working capital, payment of retribution, bills, purchasing goods in cash easily.

scholarly journals Pengembangan Program Studi Perbankan Syariah Berbasis Integrasi Peran Bank Syariah Bagi Sektor Riil UMKM

2021 ◽  
Vol 7 (2) ◽  
Author(s):  
Tri Mulato ◽  
Sudirman Sudirman ◽  
Kamaruddin Kamaruddin ◽  
Iryani Iryani
Keyword(s):  
Field Research ◽  
Secondary Data ◽  
Primary Data ◽  
Research Theme ◽  
Analysis Technique ◽  
Qualitative Descriptive ◽  
Data Source ◽  
Banking Institution ◽  
The City

Sharia banking are interested in getting involved channeling financing to the real sector of SMEs, including Bank BNI Syariah Makassar and Bank Panin Dubai Syariah Makassar. The purpose of this study is to determine the development of SMEs financing provided by sharia banking. Then to find out the role of sharia banking for the distribution financing for SMEs in the city of Makassar. As well as to find out the form of integration of the development of the department of sharia banking UIN Alauddin Makassar, through the distribution of financing for SMEs in sharia banking institution. This type of research is a field research, by taking data directly. The nature of the research is qualitative. The data source uses primary data and secondary data related to the research theme. The data analysis technique used in this research is qualitative descriptive, which describes the objects in the study. The results of this study indicate the development of the distribution of financing in sharia banking reaching 15.93 percent. Then Bank BNI Syariah and Bank Panin Dubai Syariah Makassar channeled financing to SMEs sector, reaching 20 percent. The form of integration in the development of departement sharia banking is by presenting courses on object management of financing sharia banking and courses on SMEs business.

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