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POTENSI WAKAF UANG DIGITAL (FINANCIAL TECHNOLOGI SYARIAH) DALAM MEMBANGUN KESEJAHTERAAN EKONOMI MASYARAKAT A.Fahmi Zakariya; Nur Hidayatul Istiqomah; Bayu Aji
Al-Musthofa: Journal of Sharia Economics Vol. 4 No. 2 (2022): Al-Musthofa : Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

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Cash waqf has played an important role as one of the new Islamic fiscal instruments in the economy. Cash waqf has two functions as a means of worship and the achievement of social welfare. Returns from cash waqf management can be used as an instrument in poverty alleviation programs through the social security system. The social security system using cash waqf will be able to help poverty alleviation programs carried out by the government through community empowerment programs. This study aims to determine the potential aspects of financial technology related to waqf in finding cash waqf in Indonesia. Cash waqf in Indonesia is very potential, if all aspects are maximized, including technological tools in socializing the urgency and benefits of waqf for economic, social and religious progress of the community. The method used in this paper uses a qualitative method with a literature approach that uses supporting data that is analyzed descriptively. The findings in this study explain the opportunities for digital cash waqf in the progress of the revaluation of industry 4.0 in Indonesia. The spirit of the Muslim community in conducting cash waqf must be managed with technological conveniences. The existence of digital cash waqf through Fintech can make it easier for waqf to do money waqf, so from this facility the potential for cash waqf can be collected and and can be managed for productive waqf activities in building community welfare.

Repurchase Intention of Total Detergent: Halal Label and Brand Image Nur Hidayatul Istiqomah; Ahmad Miftahur Rohim
Annals of Management and Organization Research Vol. 3 No. 3 (2022): February
Publisher : goodwood publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/amor.v3i3.1363

Purpose: The aim of the study was to investigate whether the halal label and overall reputation of the Total detergent brand influenced consumers' intentions to buy the product again. explain longer. Research methodology: To do this, the researchers used multiple linear regression analysis on a sample of 120 users in the Lowokwaru district of Malang City. The sample was selected using a questionnaire. Results: The results of the study showed that both the overall image of the brand and the perception of the halal label had an impact on the consumers' intention to purchase the product again in the future. Limitations: This research location is only in Lowokwaru district or Malang City and uses three variables Contribution: The finding would help the Detergent company to analyze customers’ repurchase intention. Suggestion: For future researchers, it is hoped that they can use or add other variables so that further research can develop more and add broader insights so that they will get better research results.

STRATEGI PENANGGANAN PEMBIAYAAN BERMASALAH PADA PRODUK PEMBIAYAAN DALAM PERSPEKTIF MANAJEMEN RESIKO SYARIAH Khurul Aimmatul Umah; Istiqomah Nur Hidayatul; Aprilia Silvia Dwi
Jurnal Perbankan Syariah Vol 1 No 1 (2021): JULI
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

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Abstract: The troubled financing is financing which does not smoothly provided to members who do not meet the requirements or the obligation to pay back the funds that had loaned earlier upon due date. The handling of the troubled financing can be done in a way that is effective, as do the legal effort for the sake of saving funds that have been given to the customer. This research aims to know the risk management implementation of Sharia in financing at the BMT Mandiri Sejahtera Blimbing. This type of research is research using a qualitative descriptive method. From the results of research that has been done indicates that the BMT Mandiri Sejahtera Blimbing has been very good in anticipation of emerging risks. BMT Mandiri Sejahtera Blimbing in applying some of the ways on the risk assessment process with initial steps being undertaken is identifying risks, emotional approach than risk measurement, monitoring and controlling risk, risk, as well as perform analysis with principle 5c that is, character, capacity, collateral, condition, capital. BMT Mandiri Sejahtera Blimbing in saving troubled financing only use rescheduling (scheduling) in accordance with the agreements that have been made Abstrak: Pembiayaan bermasalah merupakan pembiayaan yang tidak lancar yang diberikan kepada anggota yang tidak dapat memenuhi persyaratan atau kewajiban untuk melunasi kembali dana yang telah dipinjamkan sebelumnya pada saat tanggal jatuh tempo. Penanganan pembiayaan bermasalah bisa dilakukan dengan cara yang efektif, seperti melakukan upaya hukum demi menyelamatkan dana yang telah diberikan kepada nasabah. Penelitian ini bertujuan untuk mengetahui implementasi manajemen resiko syariah pada pembiayaan di BMT Mandiri Sejahtera Blimbing. Jenis Penelitian ini adalah penelitian menggunakan metode deskriptif kualitatif. Adapun metode pengumpulan data yang diperoleh dengan cara wawancara kepada bagian remedial, marketing, dan dokumentasi. Dari hasil penelitian yang telah dilakukan menunjukan bahwa BMT Mandiri Sejahtera Blimbing sudah sangat baik dalam mengantisipasi resiko yang muncul. BMT Mandiri Sejahtera Blimbing dalam menerapkan beberapa cara pada proses penilaian resiko dengan langkah awal yang dilakukan adalah mengidentifikasi resiko, melakukan pendekatan emosional kemudian pengukuran resiko, pemantauan resiko, dan pengendalian resiko, serta melakukan analisis dengan prinsip 5C yaitu, character, capacity, collateral, condition, capital. BMT Mandiri Sejahtera Blimbing dalam menyelamatkan pembiayaan bermasalah hanya menggunakan cara reschedullling (penjadwalan kembali) sesuai dengan kesepakatan yang telah dibuat. Kata Kunci : Manajemen Resiko Syariah, Pembiayaan Bermasalah, BMT

KEWIRAUSAHAAN DALAM MENINGKATKAN KEMAMPUAN ENTERPRENEUR PADA SISWA SMK YPM Nur Hidayatul Istiqomah; Supriyanto Supriyanto
Jurnal Perbankan Syariah Vol 1 No 1 (2021): JULI
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

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Abstract: The purpose of this study was to examine the effect of the entrepreneurship education program on the interest of YPM Tuban Vocational High School students in starting a business. This study used linear regression analysis on 90 students of YPM Tuban Vocational High School whose data were taken using a questionnaire and purposive sampling technique. The results of this study revealed that the entrepreneurship education program had a positive and significant effect on the interest of the YPM Tuban Vocational School students in entrepreneurship. The application of entrepreneurship program practices is considered to be more effective in developing student interest compared to delivering entrepreneurship in the classroom. Abstrak: Tujuan penelitian ini adalah untuk menguji pengaruh program pendidikan kewirausahaan pada minat siswa SMK YPM Tuban dalam memulai sebuah usaha. Penelitian ini mengunakan analisis regresi linier pada 90 siswa SMK YPM Tuban yang pengambilan datanya diambil dengan kuesioner dan teknik purposive sampling. Hasil dari penelitian ini mengungkapkan bahwa program pendidikan kewirausahaan berpengaruh positif dan signifikan pada minat siswa SMK YPM Tuban dalam berwirausaha. Penerapan praktik program kewirausahaan dianggap lebih efektif mengembangkan minat siswa dibandingkan dengan penyampaian materi kewirausahaan di dalam kelas.

ANALISIS STRATEGI PENERAPAN PEMAHAMAN ETIKA BISNIS ISLAM TERHADAP TINGKAT KINERJA KARYAWAN PADA BMT BINA INSAN MANDIRI (BIM) TUBAN Khurul Aimmatul Umah; Istiqomah Nur Hidayatul; Aula Putri Elok Chotimatul
Jurnal Perbankan Syariah Vol 1 No 1 (2021): JULI
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

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Abstract: Business ethics in Islam is something important and needs to be considered in all business or business, because it will be a strength in the company which will eventually become a stimulus and have an impact on consumer loyalty to the company it self. This study aims to determine whether BMT Bina Insan Mandiri (BIM) Tuban has implemented Islamic business ethics in accordance with Islamic law. The results showed that BMT Bina Insan Mandiri (BIM) Tuban, has instilled religious values in their daily lives, behaves and speaks politely to each of its members, in its marketing there is no element of lying and is very transparent, and maintains good relations with its members. This shows that the BMT Bina Insan Mandiri (BIM) Tuban has implemented Islamic business ethics. Abstrak: Etika bisnis dalam Islam merupakan sesuatu yang penting dan perlu diperhatikan dalam semua bisnis atau bisnis, karena akan menjadi kekuatan dalam perusahaan yang pada akhirnya akan menjadi stimulus dan berdampak pada loyalitas konsumen terhadap perusahaan itu sendiri. Penelitian ini bertujuan untuk mengetahui apakah BMT Bina Insan Mandiri (BIM) Tuban telah menerapkan etika bisnis syariah sesuai dengan syariat Islam. Hasil penelitian menunjukkan bahwa BMT Bina Insan Mandiri (BIM) Tuban telah menerapkan etika bisnis yang sesuai dengan prinsip-prinsip etika bisnis syariah.

MEKANISME ATAS WAKAF UANG STUDI KASUS PADA KSPPS BMT MANDIRI SEJAHTERA CABANG KRANJI Siswoyo Siswoyo; Nur Hidayatul Istiqomah
Jurnal Perbankan Syariah Vol 1 No 1 (2021): JULI
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

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Abstract: Baitul Maal Wat Tamwil (BMT) as a financial institution in the economic realm This is a breath of fresh air for people who are starting to worry about the many practices of usury in conventional banking, especially in the microeconomic community. Institution. Sharia-based finance can be an alternative for people who avoid financial economy based on usury on conventional financial institutions. BMT is included in cooperative legal entity that is subject to Law no. 25 of 1992 About Cooperatives, PP RI No. 9 of 1995 concerning the Implementation of Savings and Loan Business Activities by cooperatives, Decree of the State Minister of Cooperatives and Small and Medium Enterprises No 91/Kep/M. KUKM/IX/2004 concerning Guidelines for the Implementation of Service Cooperative Business Activities Sharia Finance, and Regulation of the State Minister for Cooperatives and Small and Medium Enterprises The purpose of this study is to find out about the implementation of financing and use qualitative methods knowing the solution path taken if BMT members do a problem The approach method used in this research is qualitative approach that conducts primary data research in the field. The juridical approach to researching regulations regarding the implementation of waqf and empirical not only as a set of rules, but as behavior in society The results of this study indicate that in the implementation of financing murabaha, BMT must be flexible with caution with 5C ratings on members who propose financing, preventive and preventive actions as well as kinship is prioritized in overcoming defaults committed by BMT customers. The judicial route can be one of the alternative solutions for defaults that occur carried out by customers and to protect assets from BMT and provide protection and legal certainty. Keywords : Mekanisme, Wakaf Uang BMT Abstrak: Abstrak memuat uraian singkat mengenai tujuan penulisan, metode yang digunakan, dan hasil penelitian (bila hasil dari penelitian). Abstrak berisi 200-300 kata. Abstrak ditulis dalam Bahasa Indonesia dan Bahasa Inggris. Pengetikan abstrak dilakukan dengan spasi tunggal dengan margin yang lebih sempit dari margin kanan dan kiri teks utama. Kata kunci perlu dicantumkan untuk menggambarkan ranah masalah yang diteliti dan istilah-istilah pokok yang mendasari pelaksanaan penelitian. Kata-kata kunci dapat berupa kata tunggal atau gabungan kata. Jumlah kata-kata kunci 3-5 kata. Kata-kata kunci ini diperlukan untuk komputerisasi. Pencarian judul penelitian dan abstraknya dipermudah dengan kata-kata kunci tersebut.

Religiusitas dan Persepsi Nasabah dalam Memilih Bank Syariah Indonesia (BSI) di Kota Tuban Nur Hidayatul Istiqomah; Ahmad Miftahur Rohim; A. Fahril Ulum
Jurnal Perbankan Syariah Vol 1 No 2 (2021): DESEMBER
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

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Abstract: This study aims to determine the effect of religiosity and perceptions of Indonesian Islamic Bank (BSI) customers in Tuban City, East Java. The types of data used in this study are primary data and secondary data. Primary data was obtained by distributing questionnaires and secondary data was obtained from journals and other literature reviews relevant to this research. The sample technique in this research is random purposive sampling, namely purposive sampling, namely sampling by determining special characteristics that are in accordance with the research objectives. The number of samples is 150 respondents. The data obtained were processed with SPSS using multiple linear regression analysis. The results of the study show that customer religiosity has a positive effect on the decision to choose a sharia bank and customer perceptions also have a positive effect on the decision to choose a sharia bank. Abstrak: Penelitian ini bertujuan untuk mengetahui pengaruh religiusitas dan persepsi para nasabah Bank Syariah Indonesia (BSI) di Kota Tuban, Jawa Timur. Jenis data yang digunakan dalam penelitian ini adalah data primer dan data sekunder. Data primer diperoleh melalui penyebaran kuesioner dan data sekunder diperoleh dari jurnal dan tinjauan pustaka lain yang relevan dengan penelitian ini. Teknik Sampel dalam penelitian ini adalah random purpossive sampling yaitu Purposive sampling yakni pengambilan sampel dengan cara menetapkan ciri-ciri khusus yang sesuai dengan tujuan penelitian. Jumlah sampel sebanyak 150 responden. Data yang diperoleh diolah dengan SPSS menggunakan analisis regresi linier berganda. Hasil penelitian menunjukkan religiusitas nasabah berpengaruh positif terhadap keputusan memilih bank syariah dan persepsi juga nasabah berpengaruh positif terhadap keputusan pemilihan bank syariah.

Penyaluran Kredit pada Perusahaan Multifinance dan Bank Konvensional dalam Pengadaan Sepeda Motor Bagi Konsumen di Kota Malang Nur Hidayatul Istiqomah; Ahmad Miftahur Rohim
Jurnal Perbankan Syariah Vol 2 No 1 (2022): JUNI
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

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Abstract: This study aims to determine the differences in lending to multi-finance companies and conventional banks in procuring motorcycles for consumers in Malang. The object of research is Conventional Banks and PT. Federal International Finance which is located on Jl. Letjend S. Parman No. 58, Purwantoro, Blimbing, Malang City, East Java 65126, Indonesia. The types of data used in this research are primary data and secondary data. Primary data is primary data in the form of interviews, books, journals, articles, etc. and secondary data is in the form of electronic data (from the Internet) which can be accessed for writing this research. The results of the study show that the distribution mechanism is the same, while the difference between the two is regarding the problem of fines due to late payments, Sharia FIF imposes fines which are called social funds and are not used as profits, but conventional FIF if there are fines due to late payments then it will be the company's profit. Abstrak: Penelitian ini bertujuan untuk mengetahui perbedaan penyaluran kredit pada perusahaan multifinance dan bank konvensional dalam pengadaan sepeda motor bagi konsumen di kota malang. Objek penelitian adalah Bank Konvensional dan PT. Federal International Finance yang terletak di Jl. Letjend S. Parman No.58, Purwantoro, Blimbing, Kota Malang, Jawa Timur 65126, Indonesia. Jenis data yang digunakan dalam penelitian ini adalah data primer dan data sekunder. Data primer data primer berupa wawancara, buku, jurnal, artikel, dll dan data sekunder berupa data elektronis (dari Internet) yang dapat diakses untuk penulisan peenelitian ini. Hasil penelitian menunjukkan bahwa mekanisme penyalurannya sama, sedangkan perbedaan diantara keduanya adalah mengenai masalah denda akibat keterlambatan bayar, FIF syariah mengenakan denda yang disebut dana sosial dan tidak dijadikan keuntungan, namun FIF konvensional apabila terdapat denda akibat keterlambatan bayar maka itu akan menjadi keuntungan perusahaan.

Perbandingan Lembaga Pembiayaan Multifinance Syariah Dan Pembiayaan Konvensional Pada Pt. Federal International Finance (Fif) Di Malang Nur Hidayatul Istiqomah; Ahmad Miftahur Rohim; Silvia Nur Aliyah
Jurnal Perbankan Syariah Vol 2 No 2 (2022): DESEMBER
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

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Abstract: This study aims to determine the comparison of Islamic multi-finance institutions and conventional financing at PT. Federal International Finance (FIF) in Malang. This study uses comparative studies that lead researchers to compare one social context or domain with other social contexts or domains. Using two data collection techniques, namely interviews and literature study. Comparison of operational procedures between sharia and conventional FIFs, there are still similarities and differences, including the similarities above are that there are still 3 related parties, namely consumer finance companies, suppliers, and consumers. The consumer finance company provides financing services, the supplier provides the goods needed and the consumer is the buyer of the goods using the financing service, apart from the three parties, the bank also has a relationship with the financing company. Abstrak: Penelitian ini bertujuan untuk mengetahui perbandingan lembaga pembiayaan multifinance syariah dan pembiayaan konvensional pada PT. Federal International Finance (FIF) di Malang. Penelitian ini menggunakan studi banding yang mengarahkan peneliti untuk membandingkan satu konteks atau domain sosial dengan konteks atau domain sosial lainnya. Menggunakan dua teknik pengumpulan data yaitu wawancara dan studi pustaka. Perbandingan tentang prosedur operasional antara FIF syariah dan konvensional masih ada persamaan dan perbedaan, diantaranya persamaan tadi merupakan masih ada 3 pihak yang terkait, yaitu perusahaan pembiayaan konsumen, suplier, dan konsumen. Perusahaan pembiayaan konsumen menaruh jasa pembiayaan, suplier menyediakan barang yang diperlukan dan konsumen merupakan pembeli barang yang memakai jasa pembiayaan tadi, selain ketiga pihak tadi Bank pula mempunyai keterkaitan menggunakan perusahaan pembiayaan.

Analisis Perbedaan Prinsip Produk Penghimpunan Dana (Funding) Perbankan Syariah dan Perbankan Konvensional Ni'matul Khoiriyah; Jumiatun Nikmah; Nur Hidayatul Istiqomah
Jurnal Perbankan Syariah Vol 3 No 1 (2023): JUNI
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

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Abstract: The bank is an official state institution in the financial sector that has the task of withdrawing and disbursing public money. Banks are one type of trusted institution among the surrounding community. Banks that have a non-trivial task make the bank also registered in the law for its security. There are many banks in Indonesia, one of which is BSI. BSI is the only bank that applies sharia principles based on the Koran and hadith. The existence of these principles makes Islamic banks not carelessly choose transactions or cooperation with other parties or customers. Uniquely, Islamic banks also use a profit sharing system as their ratio. Whereas conventional banks use the deposit interest system as their ratio. That is why researchers are interested in conducting research on the difference between the principles of Islamic banks and conventional banks in fundraising products (funding). There are three types of fundraising products in both Islamic and conventional banks, namely checking accounts, savings accounts and time deposit accounts. The difference is that Islamic banks use wadi'ah contracts and mudharabah contracts. This study aims to introduce to all people that Islamic banks have their own uniqueness and characteristics. Therefore, it is necessary to explain the contracts involved in Islamic banking. In this study, researchers used qualitative techniques. There are two data sources: Primary and secondary data sources . The researchers conducted direct interviews with informants based on primary data. Abstrak: Bank merupakan Lembaga resmi negara di bidang keuangan yang mempunyai tugas menarik dan mengeluarkan uang masyarakat. Bank menjadi salah satu jenis Lembaga terpercaya dikalangan masyarakat sekitar. Bank yang memiliki tugas tidak sepele membuat bank juga tercatatat dalam undang-undang demi keamanannya. Ada banyak bank di Indonesia, salah satunya BSI. BSI satu-satunya bank yang menerapkan prinsip syariah berdasarkan Al-quran dan hadits. Adanya prinsip tersebut membuat bank syariah tidak sembarangan memilih transaksi atau kerja sama dengan pihak lain atau nasabah. Sistem yang menarik dalam bank syariah adalah penggunaan prinsip bagi hasil sebagai perbandingannya. Sedangkan bank konvensional menggunakan sistem bunga simpanan sebagai nisbahnya. Itu mengapa peneliti tertarik untuk melakukan penelitian tentang bedanya prinsip bank syariah dan bank konvensional pada produk penghimpunan dana (funding). Terdapat tiga jenis produk penghimpunan dana baik di bank syariah maupun bank konvensional, yaitu rekening giro, rekening tabungan dan rekening deposito. Penelitian ini bertujuan untuk mengenalkan pada seluruh masyarakat bahwa bank syariah memiliki keunikan dan ciri khas tersendiri. Dengan demikian diperlukannya penjelasan mengenai akad-akad yang tertuang dalam bank syariah. Sumber datanya promer dan sekunder. Para peneliti melakukan wawancara langsung dengan informan berdasarkan data primer.

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