Total Quality Management Development and Sharia Governance Efforts in Sharia Micro Financial Institutions to Improve Market Share

Herry, Ervicaninda; Permana, Pramudia Yuli Eka; Aji, Wisnu Bayu; Muhtadi, Ridan

doi:10.29138/ijieeb.v2i1.809

Cited by 7 publications

(8 citation statements)

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“…Education and Awareness MSMEs need to improve their understanding of Sharia principles and the importance of Sharia compliance (Herry et al, 2019). This can be achieved through education and training programs for MSME owners and employees.…”

Section: Strategies For Increasing Sharia Compliance and Msme Leveragementioning

confidence: 99%

Analysis of the Relationship between Micro, Small and Medium Enterprises Sharia Compliance with Increasing Leverage on the Impact of Covid-19 (Case Study of MSMEs in Bandung City, Indonesia)

Nurhayati,

Suntana

2024

MEC-J

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The purpose of this study was to identify the importance of shari'a compliance in the context of MSMEs, MSME's reputation, access to funding, and the impact on the role of shari'a compliance during increased leverage, to determine whether shari'a compliance is associated with increased leverage in MSMEs. is to analyze the impact discussed. This study takes a descriptive-analytical approach to verificative how Shariah compliance affects MSMEs' ability to utilize resources. Primary data sources and the technique for collecting data in this research uses a questionnaire technique. The analysis used in this research is likert scale analysis, hypothesis testing design using confirmatory factor analysis is a method of one of the multivariate analysis methods part of SEM (Structural Equation Modeling) whose function is to confirm or test the model to be hypothesized. To test the hypothesis model, this research uses the outer model for the measurement model and the inner model for the structural model. The Micro, SME population of Islamic Banking customers is his 156 companies and consists of his sample of 50 respondents using non-probability sampling. The study found a correlation and impact between Shariah compliance and leverage in MSMEs in Bandung. Findings from the study highlight the application of Shariah principles in the business activities of MSMEs, in particular the ban on Riba, transparency and fairness, social and environmental responsibility, and resilience to challenges in applying Shariah elements to their business activities. is shown. Shariah compliance impacts MSMEs' reputation, investor confidence, and access to finance

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Section: Strategies For Increasing Sharia Compliance and Msme Leveragementioning

confidence: 99%

Analysis of the Relationship between Micro, Small and Medium Enterprises Sharia Compliance with Increasing Leverage on the Impact of Covid-19 (Case Study of MSMEs in Bandung City, Indonesia)

Nurhayati,

Suntana

2024

MEC-J

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“…IFIs will collect funds from the public through various types, including savings, deposits or investments, and clearing accounts (Herry et al, 2019). After collecting funds from the public, IFIs will redistribute them through financing activities in the real sector with the aim of being productive using commercebased financing and investment-based financing.…”

Section: Islamic Ethics As a Principle In Performing The Intermediati...mentioning

confidence: 99%

Sharia Financial Institutions Compliance Towards Islamic Principles in Performing Intermediation Functions

Usman

2022

Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah

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This study aims to determine the factors of non-compliance with Islamic principles in Islamic Financial Institutions (IFIs). This article argues that IFIs must comply with Islamic principles based on the DSN-MUI fatwa, even though in the Indonesian legal hierarchy, DSN-MUI fatwas are not binding. IFIs show ambiguity in complying with Islamic principles when carrying out their intermediation function. Several other factors also cause IFIs' lack of compliance with sharia principles. These include the lack of applicability of the DSN-MUI fatwas, the conflict of interest of the Sharia Supervisory Board (SSBs), and competency issues among SSBs members. To address these issues, it is necessary to strengthen the regulations that make DSN-MUI an authoritative institution in establishing the sharia principles and the fatwas methodology. Thus, the fatwas are more applicable and avoid ambiguity. Furthermore, SSBs need re-structurization to be independent internal supervisory agencies. AbstrakPenelitian bertujuan mengetahui faktor-faktor ketidakpatuhan lembaga keuangan syariah (LKS) pada prinsip-prinsip Islam. Artikel ini menyebutkan LKS harus mematuhi prinsip-prinsip Islam sesuai fatwa DSN-MUI, walaupun dalam hierarki hukum Indonesia, DSN-MUI bukanlah sebuah lembaga otoritatif yang menerbitkan hukum mengikat. LKS tampak ambigu dalam mematuhi prinsip-prinsip Islam saat menjalankan fungsi intermediasinya. Ketidakpatuhan LKS kepada prinsip-prinsip syariah juga disebabkan oleh beberapa faktor lain, seperti: tidak aplikatifnya fatwa DSN-MUI; munculnya konflik kepentingan DPS; dan masalah kompetensi anggota DPS. Untuk mengatasi masalah-masalah tersebut, perlu adanya perbaikan regulasi yang menjadikan DSN-MUI sebagai lembaga otoritatif, agar fatwa yang dikeluarkan lebih aplikatif dan tidak menimbulkan multi tafsir. Sementara dari sisi DPS, perlu adanya regulasi merestrukturisasi organisasi DPS dengan menepatkannya sebagai lembaga pengawas internal yang independen.

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“…Ar-Ribhu: Jurnal Manajemen Dan Keuangan Syariah, 1(2), 158-172. 4 Herry, E., Permana, P. Y. E., Aji, W. B., & Muhtadi, R. (2019)…”

Section: Tinjauan Pustakaunclassified

Analisis Preferensi Nasabah Dalam Memilih Pt. BPRS Bhakti Sumekar Kantor Cabang Pratama Gili Genting

Mufida

Maulana²

2021

arribhu

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ABSTRACT Introduction: preference when choosing a banking institution to transact have a diversity of percepation. The lack of public knowledge of Islamic banking institutions is a fundamental problem for Bank Pembiayaan Rakyat Syariah (BPRS) as a sharia banking institution on the island of Gili Genting. Methods: In this study, the research design used descriptive research with a quantitative approach. The sampling technique used is the scientific sampling technique, that is , anyone who happens to meet, if it is seen that the person found is suitable as a data source. The data presented in this study include the mean, median, mode, tables, graphs, pie charts. The data analysis method used is descriptive analysis processed with SPSS. Results: The results of this study can be concluded that: First, the level of customer knowledge about the operational system of BPRS Bhakti Sumekar, Gili Genting Pratama Branch Office based on sharia principles is very good with an average value of 4.32, the information received by customers is very good with an average value the average is 4.23, and the tendency of customers' preference for BPRS Bhakti Sumekar, Gili Genting Pratama Branch Office is very good with an average value of 4.28. Second, the reasons for costumers to choose BPRS Bhakti Sumekar at the Gili Genting Pratama Branch office are very diverse, as well as the products offered, not all of them have high demand, 36% of costumers do not only transact at one bank, but have an account at another bank, and expectatons costumers for BPRS Sumekar, Gili Genting Pratama branch office so that it can be more useful for the Gili Genting Community. Conclusions and suggestions: Customer preference for BPRS Bhakti Sumekar, Gili Genting Pratama Branch Office is in the very good category with a range of scores (average between 4.20-5.00 or a score between 81%-100%). Keywords: Preference, Costumer, BPRS. ABSTRACT Introduction: preference when choosing a banking institution to transact have a diversity of percepation. The lack of public knowledge of Islamic banking institutions is a fundamental problem for Bank Pembiayaan Rakyat Syariah (BPRS) as a sharia banking institution on the island of Gili Genting. Methods: In this study, the research design used descriptive research with a quantitative approach. The sampling technique used is the scientific sampling technique, that is , anyone who happens to meet, if it is seen that the person found is suitable as a data source. The data presented in this study include the mean, median, mode, tables, graphs, pie charts. The data analysis method used is descriptive analysis processed with SPSS. Results: The results of this study can be concluded that: First, the level of customer knowledge about the operational system of BPRS Bhakti Sumekar, Gili Genting Pratama Branch Office based on sharia principles is very good with an average value of 4.32, the information received by customers is very good with an average value the average is 4.23, and the tendency of customers' preference for BPRS Bhakti Sumekar, Gili Genting Pratama Branch Office is very good with an average value of 4.28. Second, the reasons for costumers to choose BPRS Bhakti Sumekar at the Gili Genting Pratama Branch office are very diverse, as well as the products offered, not all of them have high demand, 36% of costumers do not only transact at one bank, but have an account at another bank, and expectatons costumers for BPRS Sumekar, Gili Genting Pratama branch office so that it can be more useful for the Gili Genting Community. Conclusions and suggestions: Customer preference for BPRS Bhakti Sumekar, Gili Genting Pratama Branch Office is in the very good category with a range of scores (average between 4.20-5.00 or a score between 81%-100%). Keywords: Preference, Costumer, BPRS.

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Total Quality Management Development and Sharia Governance Efforts in Sharia Micro Financial Institutions to Improve Market Share

Cited by 7 publications

References 0 publications

Analysis of the Relationship between Micro, Small and Medium Enterprises Sharia Compliance with Increasing Leverage on the Impact of Covid-19 (Case Study of MSMEs in Bandung City, Indonesia)

Analysis of the Relationship between Micro, Small and Medium Enterprises Sharia Compliance with Increasing Leverage on the Impact of Covid-19 (Case Study of MSMEs in Bandung City, Indonesia)

Sharia Financial Institutions Compliance Towards Islamic Principles in Performing Intermediation Functions

Analisis Preferensi Nasabah Dalam Memilih Pt. BPRS Bhakti Sumekar Kantor Cabang Pratama Gili Genting

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