https://repository.unisma.ac.id/handle/123456789/30 Publikasi Ilmiah Dosen Program Studi Ilmu Administrasi Niaga 2026-07-14T20:24:39Z https://repository.unisma.ac.id/handle/123456789/2237 The Effectiveness of Business Ethics Implementation in Islamic Economic Law on Islamic Banking Kurniati, Rini Rahayu; Hidayat, Fitri; Afifuddin Islamic bank is a bank whose activities leave usury issues. Therefore, avoiding interest which is considered usury is one of the challenges for the current Islamic world. The literacy index of Islamic banks in Indonesia has only reached 6.63 percent. The level of literacy or public understanding of Islamic finance is still lower than the level of inclusion. This literacy index shows how much public understanding of Islamic banks including their products and services. Currently, Muslim economists have devoted great attention to finding ways to replace the interest system in banking and financial transactions that are more in line with business ethics and Islamic economic law. Islamic economic law is a sharia economic law system that covers the way and implementation of business activities/ business ethics based on sharia principles. The discussion of business ethics in Islamic economic law is expected to be able to provide understanding to the public about Islamic banks and their effectiveness. The objectives of the research are to (1) find out the business ethics implementation in Islamic economic law at Bank Syariah Mandiri Branch of Sukarno Hatta Malang, and (2) to find out the effectiveness of the business ethics implementation in Islamic economic law at Bank Syariah Mandiri Branch of Sukarno Hatta Malang. The research findings found that business ethics in Islamic economic law is implemented at Bank Syariah Mandiri Branch of Sukarno Hatta Malang by implementing usury elimination, the principle of justice, cooperation, and trust, and conducting legal business transactions (the financing types are based on sharia law). In addition, the business ethics implementation in Islamic economic law at Bank Syariah Mandiri Branch of Sukarno Hatta Malang is considered effective due to the loyal customers based on the increased profits and total assets. [ARCHIVES] Copyright Article From: European Journal of Business and Management 2019-01-01T00:00:00Z https://repository.unisma.ac.id/handle/123456789/2236 Implementation of the New Public Service Concept on Health Services at the Health Office of Malang City, East Java Afifuddin; Kurniati, Rini Rahayu; Siboy, Ahmad; Zunaida, Dariz This research will reveal a new perspective in the public administration studies that so-called the New Public Service which consists the theories of civil society, community, universal society, and humanist and postmodern organizations in public administration, which will also be linked to how the Indonesian government carries out the principles of this new perspective as a form of good governance to provide maximum service, especially in the field of health at the Health Office of Malang City, East Java. Based on the phenomenon obtained from a preliminary survey at the Health Office of Malang City, East Java, there were a variety of quite prominent problems related to improving the quality of human resources. In this case, it refers to local civil servants. For example, in the Health Office, health services are less than optimal because there is still inaccurate Community Health Insurance Program (Jamkesmas) for poor families. In addition, there is an unequal treatment between patients who use Jamkesmas and patients who use their own money; it includes weaknesses in determining the target of the poor. There were also a number of specific group interventions in determining the citizens who were entitled to get Jamkesmas. The New Public Service concept, which has been a dark horse in various discourses, symposiums and workshops, has not been able to give much influence on public services, especially at the Health Office of Malang City. Conceptually the government does not have to become steering neither row; however, the government must be a servant whose job it is to serve the community, especially in the health sector in the current era of regional autonomy. [ARCHIVES] Copyrighy Article From: The research is financed by Asian Development Bank. No. 2006-A171(Sponsoring information) 2018-01-01T00:00:00Z https://repository.unisma.ac.id/handle/123456789/2235 The Effect of Customer Relationship Marketing (CRM) and Service Quality to Corporate Image, Value, Customer Satisfaction, and Customer Loyalty Kurniati, Rini Rahayu; Suharyono; Hamid, Djamhur; Arifin, Zainul This study aims at analyzing and explaining the effect of CRM and Service Quality toward Corporate Image, Value, Satisfaction, and Loyalty on Customers of Sharia Banks in East Java at the branches of Bank Muamalat and Bank Syariah Mandiri (BSM) Surabaya, Malang, Kediri, and Jember involving 278 respondents. The study uses Generalized Structured Component Analysis (GSCA). The results show 14 (fourteen) direct relationships and indirect relationships (1) CRM has a significant effect on corporate image; (2) service quality has a significant effect on corporate image; (3) CRM has a significant effect on customer values; (4) service quality has a significant effect on customer value; (5) CRM has a significant effect on customer values; (6) service quality has a significant effect on customer satisfaction; (7) CRM has a significant effect on customer loyalty; (9) corporate image has a significant effect on customer values; (10) corporate image has a non-significant effect on customer satisfaction; (12) customer value has a significant effect on customer loyalty; (13) customer value has a non-significant effect on customer loyalty; and (14) customer satisfaction has a non-significant value on customer loyalty. The strongest CRM indicator is communication, the strongest service quality indicator is assurance, the strongest corporate image indicator is product features, the strongest value indicator is benefit, the strongest satisfaction indicator is satisfaction on overall service, the strongest customer loyalty indicator is customers supporting products or loyal. [ARCHIVES] Copyright Article From: European Journal of Business and Management 2015-01-01T00:00:00Z https://repository.unisma.ac.id/handle/123456789/2234 MODEL AKAD QARDHUL HASAN PADA USAHA MIKRO KECIL MENENGAH Kurniati, Rini Rahayu; Afifuddin; Wahyu, Sri Nuring Tujuan penelitian untuk menganalis model akad qardhul hasan pada pengusaha kecil dan menengah (UMKM) dalam perkembangan perekonomian di BRI Syariah Kota Batu dan untuk menganalisis peran akad qardhul hasan pada pengusaha kecil dan menengah (UMKM) dalam perkembangan perekonomian di BRI Syariah Kota Batu. Penelitian ini menggunakan metode kualitatif deskriptif dengan pengumpulan data menggunakan teknis analitis triangulasi melalui unit head micro BRI Syariah Kota batu dan nasabah qarhul hasan sebagai informan. Hasil penelitian diperoleh bahwa model akad qardhul hasan berupa: akad yang berdasarkan konsep syariah yaitu pemberian dana pinjaman untuk usaha berdasarkan pada nasabah yang membutuhkan dan membayar pengembalian sesuai kemampuan. Peran akad qardhul hasan yaitu dapat menciptakan rasa kemandirian, menciptakan kreativitas untuk memulai dan mengembangkan usaha. [ARCHIVES] Copyright Article From: Akuntansi Bisnis dan Manajemen (ABM) 2020-04-20T00:00:00Z