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Riza Faishol
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riza@iaiibrahimy.ac.id
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INDONESIA
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah
Published by Institut Agama Islam IBRAHIMY GENTENG BANYUWANGI
ISSN : 28294548     EISSN : 28294181     DOI : -
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
Focus and Scope The topics are as follows, but not limited to : - Takaful and Risk MAnagement - Inclusive financial development - Money payment system & Financial Innovation - Islamic pricing risk & Liquidity Management - Economics analysis of Islamic Banking & Finance - Regulation & Stability of Islamic Banking & Finance - Sharia supervisory boards in Islamic Banking & Finance - Product development Islamic Finance institution - Islamic Economics & Finance - Islamic Finance Service - Islamic Ethics and Governance - Islamic Capital Market - Islamic Microfinance - Islamic financing Modes - Islamic Social Finance and other related topics
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 19 Documents
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PERAN NILAI-NILAI MAQHASID SYARIAH DALAM PENANGGULANGAN KEMISKINAN DI TENGAH PANDEMI COVID 19 Siti Khayisatuzahro Nur; Dimas Herliandis Shodiqin
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol 1 No 2 (2022): July 2022
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

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Abstract

The problem of poverty in Indonesia is certainly crucial and results in the country's economic slowdown. Various poverty alleviation programs were initiated by the National Team for the Acceleration of Poverty Reduction (TNP2K). The poverty alleviation model has been implemented and has had a positive impact on reducing poverty in Indonesia. In line with the program, Islam is present as a means of achieving community welfare within the scope of sharia by using the values ​​of Maqashid Sharia. The research method used in this research is descriptive research with a library research approach. The results of this study are: (1) the poverty reduction program is divided into 4 models of poverty alleviation stages, namely the social assistance development model, community empowerment development model, and micro-enterprise empowerment model (2) poverty reduction program by applying Maqashid Syariah values ​​in accordance with the Maqashid Syariah principles described in 5 basic concepts, namely guarding religion, guarding reason, protecting soul, protecting offspring, and safeguarding property. Internalization of Maqashid Syariah values ​​in poverty alleviation can be achieved to realize the benefit for the community.
IMPLEMENTASI MANAJEMEN RISIKO PADA LEMBAGA KEUANGAN NON-BANK SYARIAH (STUDI ANALISIS UNIT SIMPAN PINJAM POLA SYARIAH AUSATH BANYUWANGI) Muhammad Syarofi
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol 1 No 1 (2022): January 2022
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

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Abstract

Islamic non-bank financial institutions, namely islamic cooperatives USPPS Ausath as financial institutions that are also not separated from the risk and return, with the risk or risk forces the cooperative to identify and recognize every risk that is happening and that will be faced in the hope of being able to minimize the risk that occurs so as to be able to get optimal return. This research study is obtained through a qualitative approach, using data in the form of written or oral sentences from a selected source, through events or knowledge of study projects that are descriptive, this type of research uses case study methods. Risk management carried out by the sharia cooperative USPPS Ausath implements risk management effectively and competitively by the individual sharia cooperative USPPS Ausath and the sharia cooperative business unit USPPS Ausath, through consolidation with subsidiaries under the auspices of sharia cooperatives USPPS Ausath and still supervised by the Commissariat Board of sharia cooperatives USPPS Ausath, and the Sharia Supervisory Board.
STRATEGI MENGGALI MINAT MASYARAKAT UNTUK MEMAKAI JASA UNGGULAN DI BMT NUANSA UMAT CABANG PURWOHARJO Afria Rachmawati
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol 2 No 1 (2023): January 2023
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

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Abstract

This research is to find out the strategies that should be used in offering mobile service and using the products of the BMT Nuansa Umat Purwoharjo. The strategy is used so that people are interested in saving money at BMT NU which carries the slogan “Serving Without Limits Serving Sincerely”. The method used is Descriptive Qualitative. The research was conducted at BMT NU Branch Purwoharjo with the research subject being the marketing of each product offering program or Nuansa Umat saving program to customers/ members or general customers. The marketing strategy for superior service products used by the BMT NU Purwoharjo branch is to determine the publics interest in saving, namely by using several strategies, namely by identifying internal and external factors. Besides that, ait also prioritizes excellent service, honest and trustworthy and can be relied on.
ANALISIS STRATEGI PEMASARAN PADA PRODUK SIMPANAN MUDHARABAH DI BMT NUSANTARA CABANG GLENMORE Yeny Rokhilawati
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol 1 No 2 (2022): July 2022
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

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Abstract

A marketing strategy is a plan to allocate and coordinate resources in marketing activities to achieve both short- and long-term goals based on market research on product valuation, promotion and sales planning and retribution. To achieve maximum marketing results, it is first necessary to apply the core concept of marketing that determines segmentation or grouping, targeting (target market) and positioning (company position). This research uses qualitative research methods with qualitative descriptive approaches, data collection, using several methods namely obsevation, interviews and documentation. While technical data analysis uses qualitative data analysis (data reduction, data presentation and conclusion withdrawal). While checking the validity of data using source triangulation and triangulation techniques. The results of this research, it can be concluded that the marketing strategy carried out by BMT UGT Nusantara is marketing mix 11 in the form of products (products) is fairly complete, the price (price) is very cheap, the place (place) by picking up the ball, promotion (promotion) more to field officers and brochures, people (people) are male employees and prioritize graduates of boarding schools, concern (public relations) by giving fines obtained from customers to be donated to social institutions, Physical evidence (physical evidence) by setting up an office and there is written evidence of transactions, power (power) with a strong network and customers quite a lot. (Pressure) in working employees must run on time and full responsibility, performance (performance) is to determine who employees who have good performance will be raised and vice versa, and a good process , friendly and polite will give its own impression for customers.
PENGARUH KOMUNIKASI DAN KEMAMPUAN KERJA TERHADAP KINERJA KARYAWAN DI KPPS BMT NU JAWA TIMUR AREA BANYUWANGI Nurul Hidayah; Anis Hidayati
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol 2 No 1 (2023): January 2023
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

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Abstract

This study aims to determine whether there is a relationship in the influence of communication and work ability on employee performance at KSPP BMT NU East Java Banyuwangi Area. In this study, the researcher took the title to find out how influential work communication and work skills at BMT NU, East Java, Banyuwangi area, because of the return of this title there are many employees who are not good at communicating between co-workers and their superiors. work ability also affects their work it carries out. In this research used a quantitative approach, in the process of collecting data used several methods, namely questionnaires, documentation and data analysis techniques used SPSS v.16 for windows, then used the SPPS v.16 windows application, so with this result Knowledge had a t value. < t table (2.366 > 2.037). So it could be concluded that communication had a significant effect on employee performance at KPPS BMT NU, East Java Banyuwangi Area and work ability had a t count < t table (2.766 < 2.037). So it could be concluded that work ability affects employee performance at KPPS BMT NU, East Java, Banyuwangi Area
FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN NASABAH DALAM PEMBIAYAAN CICIL EMAS DI BANK SYARIAH INDONESIA KC. ROGOJAMPI Rahmad Hendi Zaelani
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol 1 No 1 (2022): January 2022
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

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Abstract

The value of the benefits of gold can be emotionally enjoyed in its beauty, gold as a precious metal with a high aesthetic value, as one of the profitable investments and continues to move up to its price specifications. The added value that gold has as a symbol of glory and social status for everyone who has. These values encourage Bank Syariah Indonesia to create gold installment products to help customers to finance the purchase / ownership of precious metal gold or lantakan in a very easy and profitable way. This research is with a qualitative approach, phenomenology study to customers of Bank Syariah Indonesia KC. Rogojampi. The results showed that the customer's decision to make a purchase or financing of gold installments at Bank Syariah Indonesia KC. Rogojampi because of four factors, namely service factors on the part of banking employees, social factors for the usefulness of products, personal factors to get the essence value of the company. Keywords: Customer Decision, Gold Installment Financing
AKAD SALAM, PERMASALAHAN DAN SOLUSINYA Afria Rachmawati
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol 1 No 2 (2022): July 2022
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

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Abstract

There are several types of financing in banking, one of which is financing with a Salam contract. Where in this Salam contract it is stated that the sale and purchase transaction, in this case the payment occurs at the time of the contract, but the delivery of the goods occurs at a later date with a predetermined time. The problem regarding the salam contract is that so far the salam contract has only been considered suitable for the agricultural industry. The magnitude of the risks contained in the agricultural sector also affects the reluctance of the banking sector to channel working capital to the agricultural sector which is not only based on a salam contract. The lack of Islamic bank financing for the agricultural sector is due to the influence of risks contained in the agricultural business. This explains that in order to reduce business risk or increase the chances of success in the implementation of sharia financing in the agricultural sector, one of the key factors is the need to create an integrated business partnership model between agricultural business actors and sharia banking parties. The form of partnership cooperation can be realized in the pattern of plasma core relationships, subcontracting, general trading, or agribusiness operational cooperation. There is a need for socialization and education related to this contract.
MANAJEMEN HOTEL DI LOMBOK NTB DALAM BRANDING PARAWISATA HALAL UNTUK MENARI PENGUJUNG TAHUN 2018 Muhamad Ari Arifin
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol 2 No 1 (2023): January 2023
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

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Abstract

West Nusa Tenggara, which is one of the priorities in the development of halal tourism, seeks various strategies to perfect the wishes of the government. Based on data from the Central Statistics Agency, as known by Hassanuddin, Lombok is one of the favorite tourist destinations in Indonesia, with the number of visitors reaching 3.5 million people in 2017, the hotel management strategy in branding halal tourism to attract visitors in 2018 and the impact the existence of halal tourism branding on hotels in Central Lombok in attracting visitors in 2018. This study uses a descriptive qualitative methodology using a phenomenological method of field research, in which this study seeks to understand the meaning of an event and its interplay with humans in situations in the form of a field, namely by going directly to the field to explore governance, describing or describing. The hotel management strategy in 2018 in the application of destination branding by the NTB government continues to use the basic principles of sharia by referring to what has become a provision in Islamic values ​​and the impact of halal tourism branding on Central Lombok hotels in attracting visitors in 2018. very influential on the level of visitor interest and income there was a decrease in turnover due to the devastating earthquake that hit the Lombok area until the end of the year..
STRATEGI PEMASARAN PADA PRODUK TABUNGAN HAJI DI BANK SYARIAH INDONESIA KANTOR CABANG PEMBANTU ROGOJAMPI Habibulloh Habibulloh
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol 1 No 1 (2022): January 2022
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

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Abstract

Marketing strategy is defined as the analysis of development strategies and implementation of activities in the target market determinant strategy for products in business units, setting marketing objectives, and implementation development, as well as the management of market position-determining marketing program strategies designed to meet the desires of target market consumers. This study is a study with a descriptive-cauldronative approach. This research was conducted at Bank Syariah Indonesia Rogojampi Auxiliary Branch Office. The subject in the study was a supervisor, the Consumer Business Relations Manager (CBRM). This research aims to find out how the marketing strategy of hajj savings products in Bank Syariah Indonesia Rogojampi Auxiliary Branch Office. While the method of data collection in this study uses interviews, while the data analysis method used is interviewing, observation, and documentation techniques. The results of qualitative research show that the marketing strategy of Hajj savings products is to utilize the moment at the end of the service such as cross selling, dor to door related to hajj savings products. Such a way is the most effective way to get prospective customers, because it meets face to face and presents hajj savings products like what is in Bank Syariah Indonesia KCP Rogojampi.
MODEL STRATEGI PROMOSI PARIWISATA BERBASIS EKOWISATA DENGAN PENDEKATAN SYARIAH DI KABUPATEN BANYUWANGI Samsuri Samsuri; Ficky Septalinda
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol 1 No 2 (2022): July 2022
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

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Abstract

This study aims to examine whether the promotional strategy carried out in order to introduce ecotourism-based Banyuwangi tourism is in accordance with the sharia approach, considering that Banyuwangi has quite a number of ecotourism-based tourism objects that are feasible to be developed, so that it is expected to be able to increase community and regional income. So this study aims to determine the strategy of tourism promotion based on ecotourism with a sharia approach. The research is a field research with a qualitative approach, collecting data using the methods of observation, interviews, and documentation. While the analysis uses qualitative data analysis (non-statistical). Based on the results of the study, it shows that the ecotourism promotion strategy carried out by Disbudpar is in accordance with the sharia approach, namely honesty, sincerity and trust, and judging from the ethics of promotion in Islam, it also does not sell oaths, does not break promises, is honest, avoids fraud, and is willing to make small profits. but a blessing and the most important thing is to prioritize the welfare of the community.

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