Al Fiddhoh: Journal of Banking, Insurance, and Finance

ANALISIS PERSEPSI NASABAH TERHADAP PEMBIAYAAN MUSYARAKAH DI BMT ALFA DIRHAM MANDIRI DUKUPUNTANG

2025-07-30T06:43:24+00:00

ABSTRACT

The research was conducted with the aim of analyzing customer perceptions and the factors that influence them towards musyarakah financing provided by BMT Alfa Dirham Mandiri Dukupuntang and the efforts made to improve the quality of musyarakah financing. This study uses a qualitative approach with the Field Research method through the collection of primary and secondary data. The results of this study show that customer perceptions of musyarakah financing at BMT Alfa Dirham Mandiri Dukupuntang received a positive response. Customer perceptions are influenced by product or service quality, effective communication, personal experience, cultural or social factors, perceptions of belief, perceptions of security, targets and situations, and perceptions of sharia compliance. And efforts made to improve the quality of profit-sharing financing have several strategies, namely: Educating Customers, Promotion and Socialization (This is used in marketing strategies); Then the strategy used to improve its quality is to use Transparency to customers, Prioritizing customers who have businesses that have been running for more than 3 months, Ease of application process, Communicating well with customers.

Keywords: Peception, Musyarakah Financing, BMT

ABSTRAK

Penelitian dilakukan dengan tujuan untuk ntuk menganalisis persepsi nasabah dan faktor-faktor yang mempengaruhinya terhadap pembiayaan musyarakah yang diberikan oleh BMT Alfa Dirham Mandiri Dukupuntang dan upaya yang dilakukan dalam meningkatkan kualitas pembiayaan musyarakah. Penelitian ini menggunakan pendekatan kualitatif dengan metode Field Research melalui pengumpulan data primer dan data sekunder. Hasil penelitian ini bahwa persepsi nasabah terhadap pembiayaan musyarakah di BMT Alfa Dirham Mandiri Dukupuntang mendapatkan respon yang positif. Persepsi nasabah dipengaruhi oleh kualiatas produk atau layanan, komunikasi yang efektif, pengalaman pribadi, faktor budaya atau sosial, persepsi keyakinan, persepsi keamanan, target dan situasi, dan persepsi kepatuhan syariah. Dan upaya yang dilakukan dalam meningkatkan kualitas pembiayaan bagi hasil memiliki beberapa strategi, yaitu: Mengedukasi Nasabah, Promosi dan Sosialisasi (Hal itu digunakan dalam strategi pemasaran); Lalu strategi yang digunakan untuk meningkatkan kualitasnya yaitu menggunakan Transparansi kepada nasabah, Mendahulukan nasabah yang memiliki usaha sudah berjalan lebih dari 3 bulan, Kemudahan dalam proses pengajuan, Berkomunikasi yang baik dengan nasabah..

Kata Kunci : Persepsi, Pembiayaan Musyarakah, BMT

THE IMAGE OF ISLAMIC HIGHER EDUCATION REVIEWED FROM PROMOTIONS AND TUITION FEES AS WELL AS ITS IMPLICATIONS FOR COLLEGE DECISIONS

2025-07-30T06:48:17+00:00

This research was conducted to determine how interested parents of high school students in Kerinci Regency and Sungai Penuh City are in choosing an Islamic college for their children's further studies. The factors tested in this research are the image of Islamic universities, promotions, and tuition fees. The sample for this research was 227 respondents. Data was collected using a questionnaire. Data analysis uses the Structural Equation Model (SEM) approach with the help of the SmartPLS 2.3.9 application. The results of this research show that promotions and tuition fees have a positive and significant effect on the image of Islamic universities and influence the interest of students' parents in recommending Islamic universities to their children to continue their studies. The image of Islamic higher education mediates the relationship between promotion and tuition fees in the Decision to choose an Islamic higher education institution. The type of mediation effect is partial mediation.

GOOD AMIL GOVERNANCE: STANDAR AKUNTABILITAS UNTUK LEMBAGA ZAKAT TERINTEGRASI

2025-09-11T04:55:45+00:00

Professional, transparent, and accountable zakat management is an urgent necessity to address public trust challenges toward zakat institutions. This makes the implementation of Good Amil Governance important to study, given its role in strengthening institutional legitimacy and the effectiveness of zakat distribution. This research aims to analyze the implementation of Good Amil Governance in zakat institutions in Indonesia and to examine accountability standards that support integrated governance. The research method employed is a literature study with a descriptive qualitative approach, reviewing regulations, previous studies, and governance practices in zakat management organizations. The findings indicate that the implementation of Good Amil Governance has shown significant progress, particularly in transparency, accountability, and professional management, although its consistency varies across institutions. The quality of amil human resources is proven to be a key factor in realizing good governance. Furthermore, zakat accountability standards encompass vertical dimensions (sharia compliance) and horizontal dimensions (public trust), supported by digital technology though not yet evenly applied. The implications highlight the importance of regulatory harmonization, integrated reporting systems, and strengthening amil capacity to enhance public trust, expand global philanthropic networks, and position zakat institutions as agents of social justice in sustainable development.

ANALISIS EKSISTENSI PRODUK INVESTASI SYARIAH DALAM PLATFORM FINTECH DI INDONESIA

2025-09-18T14:43:28+00:00

ABSTRACT

Financial technology (fintech) has revolutionized the financial sector as a whole. This technological innovation allows people to access financial services more easily and quickly, one of which is through sharia-based digital investment. This study aims to determine sharia investment products in the fintech platform, the legal basis for technology-based sharia investment (fintech), and the opportunities and challenges of technology-based sharia investment products (fintech) in Indonesia. The method used in this study is a descriptive method by applying a qualitative approach. The results of this study show that sharia investment products available on digital platforms include several financial instruments such as sharia stocks available on the Ajaib platform, sharia mutual funds available on the Bareksa platform, and sukuk (sharia bonds) available on the Investree platform. In running its operational system, the legal basis used in technology-based sharia investment products is POJK Number 77 of 2016 concerning Information Technology-Based Money Lending Services, PBI Number 19 of 2017 concerning Financial Technology Providers, and DSN-MUI fatwa Number 117/DSN-MUI/II/2018 concerning Information Technology-Based Financing Services based on Sharia Principles. As a new innovation, technology-based sharia investment products have several opportunities and challenges in their implementation. These opportunities include wide accessibility, operational cost efficiency, and conditions where the majority of Indonesia's population is Muslim. The challenges faced are the absence of clear and comprehensive regulations, public knowledge about sharia transaction contracts and sharia fintech operational mechanisms that are still minimal, and limited internet access and digital infrastructure.

PENGARUH FINANCIAL DISTRESS DAN RASIO KEUANGAN TERHADAP HARGA SAHAM SYARIAH DI INDONESIA

2025-10-11T02:42:41+00:00

ABSTRACT

Sharia shares are an investment instrument that has market opportunities and quite large development potential in Indonesia because it is a country with the largest Muslim population in the world. This research analyzes financial distress and its influence on financial ratios on sharia stocks in Indonesia. The proxy used in calculating financial distress is using the Modified Altman Z-Score formula and financial ratios consist of liquidity ratios, namely using the Current Ratio (CR), solvency ratios, namely Debt to Total Assets Ratio (DAR), profitability ratios, namely Earning Per Share (EPS). The samples in this research were companies listed on the sharia index, namely the Jakarta Islamic Index 70 (JII70) using a purposive sampling technique. From a total population of 70 companies, 14 companies were selected with a research duration of 10 years from 2015-2024. This research uses panel data regression analysis. The results of this research are that there is a positive and significant influence of financial distress (Z-Score value) and profitability ratio (EPS value) on sharia stock prices. Meanwhile, liquidity (CR value) and solvency ratio (DAR value) have an insignificant influence on sharia stock prices. The independent variables simultaneously have a significant effect on sharia stock prices with an R2 value of 88.16 percent.

DEFLASI DAN RESESI EKONOMI: PERAN EKONOMI SYARIAH SEBAGAI SOLUSI ALTERNATIF DI INDONESIA

2025-10-16T03:38:11+00:00

This study aims to analyze the prolonged deflation phenomenon in Indonesia during May- September 2024 and January - February 2025, as well as the potential accompanying recession. The decline in public demand and contraction in strategic sectors are identified as the main factors driving this condition. In response, the study explores the role of Islamic economics as an alternative solution, emphasizing wealth distribution principles through zakat, infak, and waqf, which are believed to offer a fair and sustainable approach. The methodology involves a literature review and descriptive analysis of secondary data, providing a comprehensive understanding of the economic situation and the potential for Sharia-based interventions. The findings indicate that the application of Islamic economic principles has significant potential to stabilize the economy, alleviate deflationary pressures, and prevent recession by strengthening household consumption, enhancing public welfare, and promoting more equitable resource distribution. These results contribute scientifically by offering the perspective of Islamic economics as an alternative in addressing macroeconomic crises, while highlighting the relevance of Islamic principles in contemporary economic policy. This study is expected to serve as a reference for policymakers and academics in designing more inclusive and equitable recession prevention strategies.