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All Journal IJEBD (International Journal Of Entrepreneurship And Business Development) Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Asy-Syariah Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Adz Dzahab : Jurnal Ekonomi dan Bisnis Islam Jurnal Kewarganegaraan Jurnal Ekonomi Syariah Pelita Bangsa Muhasabatuna: Jurnal Akuntansi Syariah Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Economic Reviews Journal DIRHAM Jurnal Ekonomi Islam Al-Idarah : Jurnal Manajemen dan Bisnis Islam Al-Khidmah: Jurnal Pengabdian Kepada Masyarakat Finance IJIEF: Indonesian Journal of Islamic Economics and Finance
Hayatul Millah
Universitas Islam Zainul Hasan Genggong
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Implementasi Maqasid syariah Pada Pemiayaan BSI Pensiun Sebagai Solusi Keuangan Syariah Berkelanjutan Fio Aditya; Hayatul Millah; Ahmad Fajri
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 10 No. 01 (2025): JESPB Edisi April 2025
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v10i01.2411

Abstract

This study aims to analyze the implementation of Maqasid Sharia in the BSI Pensiun financing product and evaluate its role as a sustainable, inclusive, and holistic Islamic financial solution for retirees in Indonesia. Using a descriptive qualitative approach, the research explores the extent to which the principles of Maqasid Sharia – namely the preservation of religion, life, intellect, lineage, and wealth – are reflected in the pension financing scheme. The findings indicate that BSI Pensiun serves not only as an economic financing tool but also as a means of safeguarding Islamic values in daily life. This study recommends enhancing public awareness regarding the benefits of Maqasid-based Islamic financing and fostering product innovation to expand its reach and impact in the future. These findings contribute to the development of more responsive, relevant, and Sharia-aligned Islamic financial products.
Analisis Tingkat Kesehatan Bank Umum Syariah Yang Terdaftar di BEI Dengan Menggunakan Metode RGEC Jalaluddin; Hayatul Millah; Ahmad Fajri
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 10 No. 01 (2025): JESPB Edisi April 2025
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v10i01.2429

Abstract

This study aims to analyze the financial health of Islamic commercial banks listed on the Indonesia Stock Exchange (IDX) using the RGEC method (Risk Profile, Good Corporate Governance, Earnings, and Capital) during the 2021–2024 period. This is a descriptive quantitative study with a documentation approach based on annual reports. The sample consists of four banks selected purposively. The results show that, in general, the four banks are in a healthy condition. Financing risk (Non-Performing Financing/NPF) and liquidity risk (Financing to Deposit Ratio/FDR) fall into the good category. GCG assessment indicates a reasonably sound level. In terms of Earnings, Return on Assets (ROA) and Operating Efficiency Ratio (BOPO) reflect relatively good financial performance despite annual fluctuations. Meanwhile, the Capital Adequacy Ratio (CAR) shows a very strong Capital position. These findings conclude that Islamic commercial banks listed on the IDX have maintained their financial health throughout the observation period, although improvements in operational efficiency and corporate governance are still needed.
Pengaruh Penggunaan Uang Elektronik Terhadap Perilaku Konsumtif Mahasiswa FEBI UNZAH Nur Hafifa; Hayatul Millah; Nailin Nikmatul Maulidiyah
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 10 No. 01 (2025): JESPB Edisi April 2025
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v10i01.2436

Abstract

This study aims to examine the influence of electronic money usage on the consumptive behavior of FEBI 21 students at Zainul Hasan Genggong University (UNZAH). The background of this research is based on the increasing use of electronic money among students, which is suspected to contribute to more impulsive and trend-driven consumption patterns. This research employed a quantitative method using simple linear regression analysis. The sample consisted of 30 respondents. The results show a very strong relationship between electronic money usage and consumptive behavior, indicated by a correlation coefficient (R) of 0.840 and a coefficient of determination (R²) of 0.706. This means that 70.6% of the variance in consumptive behavior can be explained by electronic money usage. The significance test (ANOVA) indicates that the regression model is statistically significant (sig. = 0.000), and the t-test also confirms that electronic money usage has a positive and significant effect on consumptive behavior (sig. = 0.000). In conclusion, electronic money usage has a significant influence on the consumptive behavior of FEBI 21 students at UNZAH.
Peran Kelompok Tani Dalam Meningkatkan Pemberdayaan Petani Kopi Kabupaten Probolinggo Muhammad Yoga kurniawan; Hayatul Millah; Cici Widya Prasetyandari
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 10 No. 01 (2025): JESPB Edisi April 2025
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v10i01.2483

Abstract

This study aims to analyze the role of farmer groups in enhancing the empowerment of coffee farmers in Kalianan Village, Krucil Subdistrict, Probolinggo Regency. Empowerment is examined through three stages: Enabling (creating a conducive climate), Empowering (strengthening capacity), and Protecting (protecting farmers). The study uses a descriptive qualitative approach with data collected through observation, in-depth interviews, and documentation. The results indicate that farmer groups significantly contribute to providing technical education, coffee processing training, and protection against market injustice and crop pests. Supporting factors include active farmer participation and village government support, while inhibiting factors involve farmers' lack of awareness and limited ongoing education. Overall, farmer groups play a positive role in increasing the independence and competitiveness of coffee farmers sustainably.
ANALISIS KINERJA KEUANGAN PERUSAHAAN DAERAH(STUDI KASUS PADA PERUSAHAAN DAERAH “RENGGANIS” KABUPATEN PROBOLINGGO JAWA TIMUR TAHUN 2018–2020) Millah, Hayatul
Finance : Journal of Accounting and Finance Vol. 2 No. 1 (2024): Volume 2 Nomor 1, Mei 2024
Publisher : universitas Islam Zainul Hasan Genggong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/sq3ktx58

Abstract

This study aims to analyze the financial performance of the Regional Company “Rengganis” in Probolinggo Regency during the period 2018–2020. The method used is descriptive quantitative analysis with financial ratio techniques, including liquidity, solvency, activity, and profitability ratios. The results show an overall downward trend in financial performance, both in terms of liquidity and profitability, while the solvency ratio has increased. Factors contributing to this decline include rising operational costs, decreasing sales volume, and dependence on debt. This research is expected to serve as an evaluation material for management in making improvements to enhance the company's financial performance.
METODE RGEC MENJADI TOLAK UKUR TINGKAT KESEHATAN BANK Millah, Hayatul
Finance : Journal of Accounting and Finance Vol. 2 No. 1 (2024): Volume 2 Nomor 1, Mei 2024
Publisher : universitas Islam Zainul Hasan Genggong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/et6pyk36

Abstract

Banks are the backbone of the economic and financial system inIndonesia as the channeling back of funds owned by excess economic units to economic units that need funds or deficits. The RGEC method is a structured way of assessing bank health compared to the previous valuation method, CAMELS. In article 2 paragraph (3) BI regulation No. 13/1 / PBI / 2011 concerning health assessment of commercial banks including risk profile, good corporate governance, earnings, and capital. Document review is one of the research methods by comparing standards with financial statement documents to be examined. The documents that will be reviewed include the report on financial position, income statement and Good Corporate Governance report. The data that will be used in this study are quantitative data types. Quantitative data is numeric data such as financial position reports, income statements and other measurable data.  Seen from the four aspects measured in the form of risk profile, GCG, earnings, and capital as a whole are ranked very healthy even though there are differences in the value of the composite in each study year either overall BUKU IV Bank or individual banks, for the most consistent banks within the Bank BUKU IV category, according to the researchers, is BRI Bank because the composite value obtained by BRI each year is not too much different.  The results of the analysis of the soundness of Bank BUKU IV namely BRI, BNI, Mandiri, BCA, and CIMB Niaga based on the RGEC method from 2012 to2018 show that the bank's performance is in the Composite Rating 1 (PK-1) which means Bank BUKU IV is located in very healthy condition
Effect of Third Party Funding, Financing to Deposit Ratio and Return on Asset for Financing at Bank Muamalat KCP Probolinggo Millah, Hayatul; Elok Bashiroh
Muhasabatuna : Jurnal Akuntansi Syariah Vol. 7 No. 1 (2025): Juny
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/muhasabatuna.v7i1.2676

Abstract

The purpose of this research is to determine the influence of third party funds, financing deposit ratio and return on assets on financing in the 2018 period. - 2022 at Bank Muamalat KCP Probolinggo. The type of research used in this study is a quantitative method with a descriptive approach. The sample in this study is the Quarterly financial reports for 2018 to 2022 as many as 20. The data in this study is secondary data. Observation collection method by collecting data on the Annual Financial Report of Bank Muamalat KCP Probolinggo in 2018 - 2022. Banks provide community services and public financial intermediaries. Therefore, banks must always be in the midst of society so that the flow of money from people who have excess can be accommodated and distributed to people who are lacking. One of the bank distribution products is financing provided by one party to another party to support a planned business project, either carried out individually or by an institution. The formulation of the problem in this study is whether there is an influence of third party funds, financing deposit ratio and return on assets on financing for the 2018 to 2022 period. The results of the study show that partially DPK have a significant positive effect and FDR have a Significant negative effect on financing at Bank Muamalat KCP Probolinggo for the 2018-2022 period. Meanwhile, ROA has no significant effect on financing at Bank Muamalat KCP Probolinggo for the 2018-2022 period. Meanwhile, DPK, FDR and ROA simultaneously have a positive effect on financing at Bank Muamalat KCP Probolinggo for the 2018-2022 period. DPK, FDR and ROA contributed 34.1% to financing, the remaining 65.9% was influenced by other variables outside those studied.
THE EFFECT OF THIRD PARTY FUNDING, FINANCING TO DEPOSIT RATIO AND RETURN ON ASSET FOR FINANCING AT BANK MUAMALAT KCP PROBOLINGGO Millah, hayatul -
IJEBD (International Journal of Entrepreneurship and Business Development) Vol 7 No 1 (2024): January 2024
Publisher : LPPM of NAROTAMA UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29138/ijebd.v7i1.2569

Abstract

Purpose: The purpose of this research is to determine the influence of third party funds, financing deposit ratio and return on assets on financing in the 2018 period. - 2022 at Bank Muamalat KCP Probolinggo KCP. Design/methodology/approach: The type of research used in this study is a quantitative method with a descriptive approach. The sample in this study is the Quarterly financial reports for 2018 to 2022 as many as 20. The data in this study is secondary data. Observation collection method by collecting data on the Annual Financial Report of Bank Muamalat KCP Probolinggo in 2018 - 2022. Findings: Banks provide community services and public financial intermediaries. Therefore, banks must always be in the midst of society so that the flow of money from people who have excess can be accommodated and distributed to people who are lacking. One of the bank distribution products is financing provided by one party to another party to support a planned business project, either carried out individually or by an institution. The formulation of the problem in this study is whether there is an influence of third party funds, financing deposit ratio and return on assets on financing for the 2018 to 2022 period. Originality/results: The results of the study show that partially DPK have a significant positive effect and FDR have a Significant negative effect on financing at Bank Muamalat KCP Probolinggo for the 2018-2022 period. Meanwhile, ROA has no significant effect on financing at Bank Muamalat KCP Probolinggo for the 2018-2022 period. Meanwhile, DPK, FDR and ROA simultaneously have a positive effect on financing at Bank Muamalat KCP Probolinggo for the 2018-2022 period. DPK, FDR and ROA contributed 34.1% to financing, the remaining 65.9% was influenced by other variables outside those studied.
Eksplorasi Penggunaan Teknologi Blockchain dalam Transaksi Keuangan Syari'ah BSI KCP Probolinggo Mohammad Ali Ma’ruf; Muhammad Hifdil Islam; Hayatul Millah
Economic Reviews Journal Vol. 3 No. 2 (2024): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v3i2.341

Abstract

This research explores the potential and challenges of using blockchain technology in Islamic financial transactions. Blockchain is known for its ability to increase transparency, security and efficiency in recording transactions, which is in accordance with sharia financial principles. This research uses a qualitative approach with a literature review method to examine relevant literature from various academic and practical sources. The research results show that blockchain technology has great potential to increase transparency, efficiency and sharia compliance in financial transactions. Blockchain also offers potential applications in the management of waqf and zakat, as well as in the development of peer-to-peer (P2P) lending and sharia crowdfunding platforms. However, the implementation of this technology faces several challenges, including sharia regulation and compliance, technology adoption and acceptance, and security and scalability issues. This research provides recommendations for overcoming these challenges, including collaboration between regulators, sharia scholars, and technology developers, as well as increasing education and training about blockchain among sharia finance practitioners. With effective adoption and in accordance with sharia principles, blockchain technology can support the development of more innovative and sustainable sharia finance.
An Analysis of Affecting Factors for The Community Income Levels around Steam Fired Power Plant (PLTU) Paiton: Case Study in Binor Village, Paiton Subdistrict, Probolinggo Regency, Indonesia Hayatul Millah; Hikmatul Maufidah; Abdul Komar
IJIEF: Indonesian Journal of Islamic Economics and Finance Vol. 2 No. 2 (2019): Indonesian Journal of Islamic Economics and Finance
Publisher : Department of Islamic Economics, Postgraduate Program, UIN Kiai Haji Achmad Siddiq, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/ijief.v2i2.604

Abstract

The purpose of this research is to determine the effect on education variables, length of work (work experience), and gender on the level of income of the community around the PLTU Binor in Paiton Subdistrict, Probolinggo Regency, to determine the variables that had the most dominant influence on the income level of the surrounding community PLTU Binor in Paiton Subdistrict, Probolinggo Regency. The type of this research is a quantitative research. The analysis method that uses in this research is multiple linear regression. The sampling method in this research is simple random sampling technique. The samples that uses in this research amounting to 90 respondents. The results of this research showed that the education variables, length of work (work experience), and gender have a positive and significant effect on the income levels of the community around the PLTU Binor in Paiton Subdistrict, Probolinggo Regency. The most dominant variable influencing the income level of the community around PLTU Binor, Paiton Subdistrict, Probolinggo Regency is an education variable.
Co-Authors Abd. Aziz Abdul Komar Abdul Komar Ahmad Fajri Ayik Andriani Cici Widya Prasetyandari Dewi Hilmiyatus Syamsiah Elok Bashiroh Ferry Vijaylani Fio Aditya Hikmatul Maufidah Huda, Mohammad Khoerul Irfan Maulana Ahsan Jalaluddin Komar, Abdul Kustiana Arisanti M Ilyasin Ilyas Marmiyantika Moh Nurul Amrullah D Mohammad Ali Ma’ruf Muhammad Hifdil Islam Muhammad Yoga kurniawan Nailin Nikmatul Maulidiyah Najah, Safinatun Natasya Risma Putri Nur Hafifa NUR HAYATI Syamsiah, Dewi Hilmiyatus Yeni Kartikawati