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All Journal Journal of Sharia Economics Journal of Islamic Banking
Moh. Agus Sifa'
Institut Agama Islam Al Hikmah Tuban
Economics, Econometrics & Finance

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Implementasi Good Corporate Governance Dalam Meningkatkan Kepercayaan Pada Perbankan Syariah Moh. Agus Sifa'; Chusnu Fahruddin
Journal of Islamic Banking Vol 2 No 1 (2021): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (230.422 KB)

Abstract

It is important to do so in order to further foster trust in society and improve the performance and progress of Islamic banking. The implementation of GCG in sharia institutions is important for the development of Islamic banking towards a more advanced direction. This is done because there is no guarantee that if an institution carries the name sharia, the institution will automatically implement good corporate governance. The research method used is a research library. The library research method is one of the methods that is part of the qualitative approach is library research (library research). Inspiration, this concept is needed in maintaining the objectivity of an organization or company in running a business by providing clear, accurate, easily accessible and understandable information and can be accounted for by all stakeholders in the organization or company. Accountability, this concept is needed to see the extent to which the performance has been produced by an organization and company. Responsibility, this concept reflects the responsibility of each individual or organization or company in complying with all tasks in the work, government regulations and policies relating to the business activities of an organization or company. Independence, this concept can be used as self-actualization for organizations and companies that can stand alone and have a competitive edge with their business environment. Fairness, this concept is needed to maintain company stability by maintaining fairness and equality for every member, stakeholder and other stakeholders in an organization or company with their respective portions.
Analysis of Murabahah Risk Management for Profitability Enhancement from a Sharia Management Perspective (Case Study of BPR Syariah Artha Mas Abadi) Fatikha Rizqya Nur; Lisa Aminatul Mukaromah; Moh. Agus Sifa'; Tri Septiana Wulandari
Journal of Sharia Economics Vol 4 No 2 (2022): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v4i2.438

Abstract

Risk management is a series of measures implemented by Islamic financial organizations to identify, quantify, monitor, and control operational risks. Each bank has a distinct risk management strategy for murabahah funding. This is a sort of qualitative study that employs descriptive data processing. This research intends to investigate the application of risk management by BPR Syariah Artha Mas Abadi, particularly in murabahah financing, which is related to the bank's profitability level and sharia management. The findings of this study indicate that the risk management of murabahah finance at BPR Syariah Artha Mas Abadi, which consists of four steps including identification, measurement, monitoring, and risk control, has been effectively implemented. In order to limit risk, the bank also conducts a 5C study on prospective murabahah financing clients, evaluating their character, capacity, capital, collateral, and economic situation. In accordance with sharia management principles such as fostering justice, openness, kinfolk, and eliminating the element of risywah, implemented risk management also has an influence on raising bank profitability by 80% to 90%.
The Effect of Promotion and Service on Custumer interest in Ba’i Bitsaman Ajil (BBA) at KSPPS BMT Artha Sejahtera Senori Eva Fahma Diafil Jilan; Moh. Agus Sifa'; Moch Zaenal Azis Muchtarom
Journal of Sharia Economics Vol 4 No 2 (2022): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v4i2.443

Abstract

The purpose of this study was to determine the effect of promotion and service both partially and simultaneously on the interest of Bai' Bitsaman Ajil (BBA) customers at KSPPS BMT Artha Sejahtera Senori Tuban. In answering these problems, the researchers used a quantitative approach. The population in this study were customers of Bai' Bitsaman Ajil (BBA) KSPPS BMT Artha Sejahtera Senori Tuban. The method of data collection in this study was by distributing questionnaires to 62 BBA product customers. The technique used is purpose sampling, analyzed using Validity Test, Reliability Test, Classical Assumption Test, Calculated F Test, and Partial t Test. The results of this study indicate that the promotion has a partial and significant effect on the interest of BBA customers, as evidenced by the value of t count (2.609) > t table (1.669) with a significance value of 0.011 < 0.05. The service has a partial and significant influence on the interest of BBA customers, as evidenced by the value of t count (3.002) > t table (1.669) with a significance value of 0.004 <0.05. And simultaneously promotion and service have a significant influence on customer interest, as evidenced by the F test, namely F count (21.089) > F table (3.15) with a significance value of 0.00 < 0.05.
JUAL BELI BITCOIN DALAM PERSPEKTIF EKONOMI ISLAM Moch Zaenal Azis Muctharom; Moh. Agus Sifa'
Journal of Islamic Banking Vol 3 No 2 (2022): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

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Abstract

Bitcoin is one of several digital currencies that first appeared in 2008 which was introduced by Satoshi Nakamoto as a currency based on cryptography. Bitcoin is a payment network based on peer-to-peer technology. Peer-to-peer network is a network that acts as a server as well as a client. Every Bitcoin transaction is stored in the database of the Bitcoin network. When a transaction occurs with Bitcoin, buyers and sellers will automatically be recorded in the Bitcoin database network. Bitcoin has advantages and disadvantages. The advantage of Bitcoin is that it is safe because every currency transaction is governed by a cryptography algorithm so that there is no possibility for counterfeiting currency balances. The drawback is that the Bitcoin system is anonymous, making Bitcoin vulnerable to cybercrime, if Bitcoin is lost, you cannot be insured because Bitcoin is not bound by any institution or law. Bitcoin as a means of payment transactions. This is because Bitcoin does not meet several elements and criteria as a valid currency, especially in the principles of Islamic Economics. In the context of digital money, there is no underlying, that is, assets are used as the basis for transactions. In this case, two things can be concluded. First, digital money is not currency. Second, there is an element of ambiguity (Gharar). n this case Bitcoin has no Underlying Assets, prices do not represent Underlying Assets, prices are out of control and the function of this digital currency has developed from being a medium of exchange to an investment commodity.
TINJAUAN PENGUMPULAN ZAKAT DI LAZISNU SINGGAHAN TUBAN Heri Kuncoro Putro; Agus Wahyu Irawan; Moh. Agus Sifa'
Journal of Islamic Banking Vol 4 No 1 (2023): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

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Abstract

The problem of povertyis still a classic problem in this country that still cannot be resolved. Poverty is increasingly coming to the fore, especially in various regions in Indonesia as a result of the economic downturn. Thus, of course, a precise and accurate formulation is needed to minimize the poverty rate. Zakat is one instrument to make it happen. The research that the researcher did was included in descriptive research with a qualitative approach. The results showed that zakat management efforts at LAZISNU Singgahan were carried out through ball pick-up services, promotions, account transfers, and establishing emotional relationships with the community.However, in the management of zakat there are obstacles that make the management of zakat at LAZISNU Singgahan not maximal in its implementation, including the human resources working at LAZISNU Singgahan where mustahiq are less active in participating in programs held by LAZISNU Singgahan and their assistance is lessthan optimal, causing a lack of understanding community towards the program run by LAZISNU Singgahan.
Co-Authors Agus Wahyu Irawan Chusnu Fahruddin Eva Fahma Diafil Jilan Fatikha Rizqya Nur Heri Kuncoro Putro Lisa Aminatul Mukarromah Moch Zaenal Azis Muchtarom Moch Zaenal Azis Muctharom Tri Septiana Wulandari