Jurnal Teknologi

Abstract

This study aims to determine the application of Real Time Gross Settlement (RTGS) in customer business activities on services provided by Sharia North Sumatra banks. This research approach uses a quantitative research approach that is based on the philosophy of positivity and the approach to the results of the population or sample. Based on the results of research that has been carried out regarding the Application of RTGS in the Services of Business Activities of customers at PT. Bank Sumut Syariah Branch Brigadier Katamso Medan shows the value of tcount 6.821 with degrees of freedom (dk) n – 1 = 30-1 = 29. Thus the decision-making criteria are: because of the magnitude of tcount 6.821> t table 2.045, and the sig value of RTGS (X) 0.00 <0.05, it can be concluded that the null hypothesis (Ho) is rejected and Ha is accepted, which means that partially the application of RTGS (X) has an effect on customer service activities (Y).

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Abstract

Islamic boarding school is one of the educational institutions that have a strong network. Until now, there were 27,230 Islamic boarding schools scattered throughout Indonesia. Today, the function of Islamic boarding schools is not only functioning as an Islamic-based educational institution but also Islamic boarding schools has a function as a social institution. Islamic boarding schools are considered potential to become the basis of empowerment local people’s economy and the center of economic development of the people in the regions, both in the form of Islamic financial institutions or Islamic boarding school cooperation. Law in Indonesia, No.33 of 2014 concerning guarantees on halal products provides significant opportunities for innovative product development given the huge potential of Indonesia’s Muslim population. In the process, the requirement to use halal certification in trade as mandated by national law carries a dilemma on halal industrial players as well as micro, small and medium enterprises (SMEs). The problem of capital and funding is key problem. This qualitative paper offers a literature review. The purpose of this paper is to understand how innovative funding models are through Islamic Boarding School venture capital the company spurred the growth and development of the halal industry. The Sharia Local Funding Card (SALAF) is innovative Mudharabah and Musyarakah transaction models at Baitul Mal Wattamwil, which are realized in sustainable funding with the Sharia business capital company for halal industry players. Allocation of profit sharing is based on the contract by specifying several parts other than cards as productive deposits. These deposits will be managed as productive stimulus funds for maintenance of halal certification, training, and business assistance, and the SALAF card balance itself. SALAF card is an innovative model that has a sustainable funding agreement that involves several stakeholders to improve productivity, growth, and presence of halal products in the nation trade arena. 

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Abstract

This paper examines the factors affecting Vocational High School students majoring Islamic banking who were interested in saving for Islamic banks. Based on the sample analysis, there were 72 respondents in VHS 20 Jakarta, VHS Al-Hasra Depok, and VHS Muhammadiyah 1 Ciputat. Using multiple linear regression analysis, this research shows 51,9 percent of the variable knowledge, reputation, environment, and religiosity define the interest of the student in saving. Meanwhile, the results of the analysis show the Reputation and Religiosity variables had a significance of 0.019 and 0.000, which means that the reputation and religiosity variables had an influence on the interest in the saving for students in Islamic banks. These findings can provide opportunities for Islamic banks to increase socialization to Muslim communities that do not yet know Islamic banks, one of them are by supporting Islamic activities such as ‘Islamic Forum’ (Majelis Taklim) and educating religious teachers about Islamic banks in order to promote and campaign for savings in Islamic banks.

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Abstract

Stretching the development of Islamic economics in the West is very massive in the 21st century. This is because Western societies have a more just economic system than the capital economy that they have implemented in recent years. and motivated by changes in the demographics of Muslim immigrants and the market needs of Muslims for halal lifestyle products that are in accordance with the call of Islam. But in the massive process, the West forgets a number of important points that are a big challenge today.

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Abstract

The cooperative is a financial institution that is easily accessible by the community, by providing small-scale capital assistance to lower middle-class society, on the other hand, the spirit to use the Islamic financial system, making Baitul Mal Wat Tamwil become the middle ground. This research was conducted to find out the description of the role of Baitul Mal Wat Tamwil (BMT) in the Muhammadiyah Kebayoran Baru Business Charity, This research used a qualitative descriptive method, the research started from collecting secondary data and then completed with open interview data to respondent like Management and Cooperative Member Branch of Muhammadiyah Kebayoran Baru. The conclusion obtained is the role of cooperatives in very good and there is a discourse to use the system of sharia in the cooperative Sinar Surya.

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Abstract

This research aims to determine how the claims process of life insurance group at PT. Asuransi Syariah Keluarga Indonesia and the cause of postponed and rejected claims. Type of the research used descriptive qualitative research. The result of the  research showed that in general there are four claims process, notification process, evidence of  claim document, claim investigation and claim settlement. Those four processes that PT. Asuransi Syariah Keluarga Indonesia applied are simple and easy. The claim investigation conducted if at the time of verification found irrelevant data. The cause of the postpone claims is the lack of documents that the institution gave to the insurance company, so the claim must be postponed until the file is completed at a predetermined time. The cause of the claim being rejected is the policy status is not active, the participant is not a member, contravene “utmost good faith” principle, etc.

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