KHITABAH: Khazanah Penelitian Perbankan Syariah

PENGARUH TEKNOLOGI INFORMASI DAN KUALITAS SUMBER DAYA MANUSIA TERHADAP KINERJA BANK SYARIAH DI INDONESIA PERIODE 2018-2024

Harun Nur Jamiel — 2025-06-25

The rapid development of Islamic banking in Indonesia demands optimization of performance, including operational efficiency and profitability, to maintain competitiveness. This study examines how information technology and human resource quality influence the efficiency and profitability of Islamic banks in Indonesia during the period 2018-2024. Research data is derived from published financial reports of Islamic banks in Indonesia. Regression analysis is used to examine the relationship between variables, considering bank size and economic growth factors. The results show that information technology significantly contributes to improved operational efficiency and profitability. Technology implementation enables process automation, increased data accuracy, and expanded service reach. Quality human resources, indicated by education and training levels, also have a positive influence. Competent employees are able to optimize technology and provide excellent service to customers. These findings emphasize the importance of continuous investment in information technology and human resource development for Islamic banks. This strategy is crucial to increase operational efficiency and profitability, as well as strengthen competitiveness in the Islamic banking industry.

PENGARUH LITERASI KEUANGAN SYARIAH, PENGALAMAN KEUANGAN, DAN ETIKA KONSUMSI TERHADAP PERILAKU KEUANGAN PEDAGANG PASAR TRADISIONAL

Kikin Mutakin — 2025-06-25

This study aims to analyze the influence of Islamic financial literacy, Islamic financial experience, and self-control on Islamic financial behavior in traditional market traders. The background of this study is the challenges faced by traditional business actors amidst the rapid digitalization of the economy and the low level of Islamic financial literacy and inclusion in Indonesia. With a quantitative approach, this study uses a multiple linear regression method on 50 market trader respondents selected purposively. The results of the analysis show that simultaneously, the three independent variables do not have a significant effect on Islamic financial behavior (sig. F value > 0.05). Likewise, partially, Islamic financial literacy, Islamic financial experience, and self-control do not have a significant effect on Islamic financial behavior. This indicates that there are other factors outside the model that may be more dominant in shaping Islamic financial behavior, such as religious understanding, local cultural values, or the influence of the social environment. This study recommends the need for a deeper educational and spiritual approach and community-based economic assistance programs to strengthen Islamic financial practices at the micro level

PENGARUH NEGOSIASI TINGKAT MARGIN TERHADAP KEPUTUSAN NASABAH MENGGUNAKAN PRODUK MURABAHAH DI BMT MIFTAHUSSALAM CIAMIS

Asep Saepudin — 2025-06-27

This study aims to determine the effect of negotiating the margin rate on customer decisions using murabahah products. The population in this study were 131 Murabahah customers at BMT Miftahussalam Ciamis, sampling using the Slovin formula with random sampling techniques. The sample used was 99 respondents. The data collection instrument used a questionnaire of 20 statement items with a Likert scale of 1-5 and tested for validity and reliability. Data analysis using simple linear regression with the help of SPSS V.25. Based on simple linear regression analysis at a significance level of 5%, the results of the partial test (t test) show that the calculated t value of 2.400 shows that it is greater than the t table (2.400> 1.984) and a significance value of 0.018 <0.05 so it can be concluded that H0 is rejected and Ha is accepted, which means that the negotiation of the margin rate has a positive and significant effect on the Customer's Decision to use Murabahah Products at BMT Miftahussalam Ciamis.

PERAN PEMBELAJARAN MANAJEMEN INFORMASI DALAM MENINGKATKAN KOMPETENSI MAHASISWA PERBANKAN SYARIAH: TINJAUAN DARI PERSPEKTIF PENGAJARAN

Acim Acim — 2025-06-29

This research aims to explore the role of information management learning in enhancing student competency in the Sharia Banking Study Program at STAI Putra Galuh Ciamis. As the sharia banking industry increasingly demands skills in information management and utilization, information management learning becomes a crucial aspect in equipping students with relevant competencies. This study employs a quantitative approach using a survey method involving students and lecturers at STAI Putra Galuh Ciamis. The results show that information management learning plays a significant role in improving students' skills in data management, information analysis, and the application of technology in accordance with sharia principles. Furthermore, teaching methods that integrate case studies and direct practical application are able to strengthen students' understanding in processing information that supports sharia banking operational activities. The implications of these findings highlight the importance of strengthening the curriculum to include information management to produce competent graduates ready to compete in the sharia finance industry

PENGARUH ETOS KERJA DAN KOMPENSASI TERHADAP KINERJA PEGAWAI PADA BAZNAS KABUPATEN TASIKMALAYA

Dodi Mulyadi — 2025-06-29

Baznas Kabupaten Tasikmalaya berperan penting dalam meningkatkan kesejahteraan masyarakat melalui pengelolaan zakat. Namun, capaian Sasaran Kinerja Pegawai (SKP) masih rendah, khususnya di tingkat Unit Pengumpul Zakat (UPZ) Kecamatan dan Desa. Indikasi masalahnya meliputi etos kerja yang rendah, kurangnya inovasi dalam program pengumpulan zakat, dan kurangnya tanggung jawab pengelolaan dana. Selain itu, masalah kompensasi juga teridentifikasi, seperti sistem penggajian yang belum transparan dan kurangnya insentif bagi pegawai berprestasi. Penelitian kuantitatif ini menggunakan metode survei dan analisis deskriptif untuk mengkaji pengaruh etos kerja dan kompensasi terhadap kinerja pegawai. Teknik analisis data yang digunakan meliputi koefisien korelasi, koefisien determinasi, uji t, regresi linier ganda, koefisien korelasi ganda, dan uji F. Hasil penelitian menunjukkan bahwa etos kerja dan kompensasi di Baznas Kabupaten Tasikmalaya tergolong sangat tinggi dan sangat sesuai. Kinerja pegawai juga termasuk kategori sangat tinggi. Kesimpulannya, etos kerja dan kompensasi memiliki pengaruh positif dan signifikan, baik secara parsial maupun simultan, terhadap kinerja pegawai Baznas Kabupaten Tasikmalaya

KOMPETENSI DAN MOTIVASI KERJA SEBAGAI PREDIKTOR KINERJA PEGAWAI LEMBAGA KURSUS DAN PELATIHAN KABUPATEN CIAMIS

Acim Acim — 2025-06-29

Penelitian ini mengkaji pengaruh kompetensi dan motivasi kerja terhadap kinerja pegawai di Lembaga Kursus dan Pelatihan (LKP) Kabupaten Ciamis, mengingat peran krusial LKP dalam peningkatan kualitas SDM. Urgensi penelitian ini muncul dari disparitas antara standar kompetensi yang diharapkan dengan kemampuan aktual, serta tantangan rendahnya motivasi kerja, yang berdampak pada kualitas lulusan LKP. Penelitian kuantitatif ini menggunakan metode survei deskriptif untuk menggambarkan fenomena yang terjadi. Teknik analisis data yang diterapkan meliputi koefisien korelasi, koefisien determinasi, uji-t, regresi linier ganda, koefisien korelasi ganda, dan uji-F. Hasil penelitian menunjukkan bahwa kompetensi, motivasi kerja, dan kinerja tenaga pendidik serta kependidikan di LKP Kabupaten Ciamis seluruhnya berada pada kategori sangat tinggi. Secara spesifik, temuan menunjukkan bahwa (1) kompetensi berpengaruh positif dan signifikan terhadap kinerja, (2) motivasi kerja juga berpengaruh positif dan signifikan terhadap kinerja, dan (3) kompetensi dan motivasi kerja secara simultan berpengaruh signifikan terhadap kinerja pegawai. Implikasi penelitian ini menekankan pentingnya mempertahankan dan meningkatkan kompetensi serta motivasi untuk mengoptimalkan kontribusi LKP di Kabupaten Ciamis