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Derivatif Versus Ekonomi Syariah Mohamad Toha
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 2 No 1 (2019): Sharia Economic: July, 2019
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v2i1.328

Paper ini menjelaskan salah satu produk keuangan syariah yang masih diperdebatkan yaitu berupa dari transaksi derivatif. Ini dilakukan untuk mendukung investasi bisnis. Dalam Islam, uang tidak sebagai alat tukar (medium of exchange) dan bukan komoditas yang diperdagangkan. Jadi sebenarnya tidak mengenal istilah perdagangan uang syariah. Di sisi lain, Islam memungkinkan pembelian dan penjualan komoditas baik secara tunai atau sulit. Dalam hal ini saham atau obligasi perusahaan dapat dikategorikan sebagai komoditas karena tidak dapat dianggap sesuai uang yang berfungsi sebagai media pertukaran untuk semua barang.

The Survival Strategy of Halal Tourism in Covid-19 Pandemic Era Muawanah Muawanah; Nur Dinah Fauziah; Mohamad Toha; Agnes Cahyatria Manaku
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 3 No 2 (2021): Sharia Economic: January, 2021
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v3i2.1104

Halal tourism has great potential for the Indonesian economy and is currently trying to defend its sector from the Covid-19 or corona virus outbreak. Covid-19 is one of the outbreaks that has been declared a pandemic because it is a global disease spreading very quickly. Covid-19 is a new virus originated in Wuhan, China in 2019 and has spread to almost all countries in the world, including Indonesia. The impact of this virus is felt by everyone in the world. It even threatens all sectors that affect the economy. Among these sectors is halal tourism. Therefore, the halal tourism sector is currently preparing a strategy to stay afloat even in situations and conditions like this as a preparation for the post-Covid-19. The strategy of the Indonesian state in maintaining halal tourism is to prioritize improving destinations, preparing budget support from cooperation with halal tourism, providing mitigation SOPs, strengthening regulations for tourists from abroad entering Indonesia.

Analysis of The Implementation of Sharia Strategy Management at BMT Maslahah Mohamad Toha; Elly Ulfa; Novi Yanti Sandra Dewi
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 1 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar

Strategic management is a determinant of employee performance in the long term with the level of managerial decisions and actions. It includes environmental observation, strategy formulation, strategy implementation, evaluation and control. The research was conducted to analyze Sharia Strategic Management (MSS) at BMT Maslahah. It uses qualitative research methods, while data collection through interview techniques and documentation techniques. After the research was conducted, it was found that the strategic management process used by BMT Maslahah would be updated according to the needs and long-term development of the company. As for the strategy formulation, it is done by gathering all the members who will later be adjusted to the suggestions and the results of the joint discussion. The implementation of the strategy is adjusted to the existing mission at BMT Maslahah, such as managing cooperatives according to the identity of the students and also implementing the sharia system using the salaf book standards as well as in accordance with the fatwas of the National Sharia Council (DSN). It is stated that the BMT Maslahah in its implementation has implemented sharia principles which are marked by the implementation of four aspects differentiating it from conventional strategic management, including aspects of tawhid, orientation, motivation and sharia strategy.

Analysis of Financial Ratios on The Performance of Muamalat Indonesia Bank Wita Sri Nurlatipah; Fadali Rahman; Mohamad Toha
Majapahit Journal of Islamic Finance and Management Vol. 2 No. 1 (2022): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar

This study aims to determine the effect of financial ratios (NPL, CAR, LDR, BOPO) simultaneously on the performance of Muamalat Indonesia Bank from 2008-2018. In this study, the researchers used a type of quantitative research with a descriptive and verification research approach because of the variables to be examined for their relationship and the purpose of presenting a structured picture. This research is a quantitative study with time series data. The type of data used in this study is secondary data in the form of data for all variables, namely Return on Assets (ROA), Non-Performing Loans (NPL), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Operating Cost Income Operational (BOPO). This secondary data was obtained by the method of observing financial ratios registered during the observation from 2008 to 2018. Corporate financial data for that period is available at www.idx.co.id. Data collection techniques used are observation and recording and linear regression models are used to determine whether there is a significant influence of one variable with another variable. For testing the hypothesis, it used the t-test and F-test.

Analysis Customers' Interest to IB Faedah Savings Mohamad Toha; Qurrotu Aini
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 2 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar

Marketing is to attract customers to use BRI Syariah products. In this case, the bank wants its product to be easy to sell and expansive, which is in great demand by customers and prospective customers. The study aims to determine customer’s interest in iB Faedah savings at BRI Syariah KCP Mojosari - Mojokerto. To answer the questions above, this research was designed with a qualitative descriptive approach using a case study approach. Based on the analysis of the data, it can be concluded that 1) Attention, that customers know about the iB Faedah savings product from their own initiative to come to the office and customers know about Faedah savings directly from BRI Syariah. 2) Interest, The reason customers use Faedah savings is because it adjusts to the background of individual status and the good service from BRI Syariah during the procedure. Customers feel well served and receive a clear explanation from BRI Syariah regarding the details of the iB Faedah savings product. 3) Desire, customer interest related to the cost of Faedah saving is said to depend on each person’s perspective and ability. Customers choose products with lower costs and can be used as a means of saving money for their internal needs. 4) Action (Using), that is the reason the customer has the desire to use the iB Faedah savings to meet the business needs. 5) Halal Lifestyle Awareness, customers have a purpose other than to meet financial needs but also to change perspectives in choosing the products used.

Analysis of The Implementation of Sharia Strategy Management at BMT Maslahah Mohamad Toha; Elly Ulfa; Novi Yanti Sandra Dewi
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 1 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v1i1.3

Strategic management is a determinant of employee performance in the long term with the level of managerial decisions and actions. It includes environmental observation, strategy formulation, strategy implementation, evaluation and control. The research was conducted to analyze Sharia Strategic Management (MSS) at BMT Maslahah. It uses qualitative research methods, while data collection through interview techniques and documentation techniques. After the research was conducted, it was found that the strategic management process used by BMT Maslahah would be updated according to the needs and long-term development of the company. As for the strategy formulation, it is done by gathering all the members who will later be adjusted to the suggestions and the results of the joint discussion. The implementation of the strategy is adjusted to the existing mission at BMT Maslahah, such as managing cooperatives according to the identity of the students and also implementing the sharia system using the salaf book standards as well as in accordance with the fatwas of the National Sharia Council (DSN). It is stated that the BMT Maslahah in its implementation has implemented sharia principles which are marked by the implementation of four aspects differentiating it from conventional strategic management, including aspects of tawhid, orientation, motivation and sharia strategy.

Analysis of Financial Ratios on The Performance of Muamalat Indonesia Bank Wita Sri Nurlatipah; Fadali Rahman; Mohamad Toha
Majapahit Journal of Islamic Finance and Management Vol. 2 No. 1 (2022): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v2i1.13

This study aims to determine the effect of financial ratios (NPL, CAR, LDR, BOPO) simultaneously on the performance of Muamalat Indonesia Bank from 2008-2018. In this study, the researchers used a type of quantitative research with a descriptive and verification research approach because of the variables to be examined for their relationship and the purpose of presenting a structured picture. This research is a quantitative study with time series data. The type of data used in this study is secondary data in the form of data for all variables, namely Return on Assets (ROA), Non-Performing Loans (NPL), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Operating Cost Income Operational (BOPO). This secondary data was obtained by the method of observing financial ratios registered during the observation from 2008 to 2018. Corporate financial data for that period is available at www.idx.co.id. Data collection techniques used are observation and recording and linear regression models are used to determine whether there is a significant influence of one variable with another variable. For testing the hypothesis, it used the t-test and F-test.

Analysis Customers' Interest to IB Faedah Savings Mohamad Toha; Qurrotu Aini
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 2 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v1i2.19

Marketing is to attract customers to use BRI Syariah products. In this case, the bank wants its product to be easy to sell and expansive, which is in great demand by customers and prospective customers. The study aims to determine customer’s interest in iB Faedah savings at BRI Syariah KCP Mojosari - Mojokerto. To answer the questions above, this research was designed with a qualitative descriptive approach using a case study approach. Based on the analysis of the data, it can be concluded that 1) Attention, that customers know about the iB Faedah savings product from their own initiative to come to the office and customers know about Faedah savings directly from BRI Syariah. 2) Interest, The reason customers use Faedah savings is because it adjusts to the background of individual status and the good service from BRI Syariah during the procedure. Customers feel well served and receive a clear explanation from BRI Syariah regarding the details of the iB Faedah savings product. 3) Desire, customer interest related to the cost of Faedah saving is said to depend on each person’s perspective and ability. Customers choose products with lower costs and can be used as a means of saving money for their internal needs. 4) Action (Using), that is the reason the customer has the desire to use the iB Faedah savings to meet the business needs. 5) Halal Lifestyle Awareness, customers have a purpose other than to meet financial needs but also to change perspectives in choosing the products used.

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