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All Journal Ulul Albab: Jurnal Studi Islam I-ECONOMICS: A Research Journal on Islamic Economics Jurnal Dinamika Manajemen Pendidikan (JDMP) JPEKA: Jurnal Pendidikan Ekonomi, Manajemen dan Keuangan El-kahfi : Journal of Islamic economics Istismar : Jurnal Kajian dan Penelitian Ekonomi dan Bisnis Islam Wadiah : Jurnal Perbankan Syariah Robust: Research of Business and Economics Studies Relevance: Journal of Management and Business Journal of Economics and Policy Studies (JEPS) JURNAL RUMPUN MANAJEMEN DAN EKONOMI
Mutafarida, Binti
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Religion Arts Humanities Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Mathematics Social Sciences Other

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TINGKAT LITERASI EKONOMI SYARIAH MAHASISWA DALAM KEGIATAN EKONOMI Suminto, Suminto; Fahmi, Moh Farih; Mutafarida, Binti
JPEKA: Jurnal Pendidikan Ekonomi, Manajemen dan Keuangan Vol 4, No 1 (2020)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jpeka.v4n1.p31-44

Abstract

Artikel ini akan membahas mengenai pengetahuan, pemahaman, penguasaan mahasiswa tentang ilmu ekonomi syariah, dan apakah sudah diterapkan dengan baik dan benar. Penulisan artikel ini menarik karena ada pembahasan mengenai kaitan pembelajaran ekonomi syariah dikelas dengan implementasi mahasiswa dalam sikap dan perilaku saat melakukan kegiatan ekonomi. Sehingga fokus penelitian ini adalah ada pada keinginan untuk menjawab persoalan yang pertama yaitu, Seberapa baik pemahaman dan pengetahuan ekonomi syariah oleh mahasiswa ekonomi syariah serta sejauh mana kemampuan mahasiswa dalam mengimplementasikan keilmuan ekonomi syariah pada setiap aktivitas ekonominya. Penulisan artikel ini menggunakan metodologi jenis penilitian kualitatif dengan menggunakan pendekatan fenomonenologi. Data ini diperoleh dari hasil wawancara dan observasi yang berasal dari data primer dan skunder. Hasil penelitian ini adalah mahasiswa ekonomi syariah kelas B semester tiga sudah menguasai materi ekonomi syariah dengan baik karena mendapatkan nilai diatas 3.50. kedua, Mahasiswa mampu menggunakan ilmunya dalam hal yang lebih teknis, dan  mampu diimplentasikan di kehidupan nyata berdasarkan pengetahuan dan pemahaman mahasiswaKataKunci:Literasi Ekonomi, mahasiswa ekonomi syariah, kegiatan ekonomi
ISLAMIC BANK CUSTOMER LOYALTY: An Analysis of Griffin's Theory and Relevant Research Subagiyo, Rokhmat; Mutafarida, Binti; Nur Asiyah, Binti; Bachtiar, Jusuf; Fauzan, Fauzan
ULUL ALBAB Jurnal Studi Islam Vol 23, No 1 (2022): Islamic Law and Economic
Publisher : Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ua.v23i1.15892

Abstract

The study discusses the indicator of customer loyalty of Islamic banks according to Griffin's perspective and several relevant studies. The problems solved in this study are 1) what is the indicator of customer loyalty of Islamic banks according to Griffin? 2) what is the indicator of customer loyalty of Islamic banks according to some relevant studies? and 3) how is the comparison of Islamic bank customer loyalty indicators according to Griffin and other relevant studies? Based on the theoretical assumption, a customer is considered loyal if he/she makes regular purchase in a certain time interval. This study utilizes descriptive qualitative research with a library research approach. Deduction and comparative are done in analysis technique. Griffin’s theory focuses on behavioral and attitudinal approach. Meanwhile, other relevant research studies emphasize more on physical things, the availability of banking facilities and infrastructure. They also classified the loyalty into affective, conative, and action loyalty. There is a difference in Griffin’s theory and other studies, that customer loyalty is influenced by maqâsid al-sharî'ah. It means that the customer loyalty is determined by satisfactory level referring to sharia values.
Implementasi Prinsip Kehati-Hatian Dan Sistem Tanggung Renteng Dalam Meminimalisir Pembiayaan Bermasalah Pada Bank Wakaf Mikro Tebuireng Mitra Sejahtera Jombang Annis, Syafrin Aulia; Mutafarida, Binti; Sugiarto, Suprihantosa; Yuliani, Yuliani
WADIAH Vol. 8 No. 1 (2024): Wadiah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v8i1.1271

Abstract

This article aims to determine the implementation of the prudential principle and joint responsibility system in minimising problematic financing at BWM Tebuireng Mitra Sejahtera. This research uses a qualitative approach with descriptive research. The data collection techniques used were observation, interview, and documentation. The results of this study explain that 1) The implementation of the prudential principle at BWM Tebuireng Mitra Sejahtera has been implemented properly and effectively according to the stages and procedures that have been determined through the application of the 5C principle assessment (Character, Capacity, Capital, Collateral, and Condition of Economy). Of the five principles, the most prioritised assessment by BWM Tebuireng Mitra Sejahtera is the Character of prospective customers in analysing the feasibility of prospective customers. 2) The implementation of the joint responsibility system is carried out through several stages, among others: Identification, Socialisation, Customer Eligibility Test, Pre PWK (Pre Mandatory Group Training), PWK (Mandatory Group Training), and Halmi (Weekly Halaqah). 3) The implementation of the prudential principle and joint responsibility system can minimise the number of non-performing financing at BWM Tebuireng Mitra Sejahtera marked by the percentage of NPF (Non Performing Financing) which has decreased every year.
Mekanisme Pasar, Konsep Harga, dan Kebijakan Moneter: Relevansi Isu Terkini dengan Pemikiran Ibnu Taimiyah Baitulloh, Sabit; Yuliani; Mutafarida, Binti
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 3 (2024): Juli
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v1i3.1619

Abstract

The Islamic economic system that exists today has actually existed since the time of the Prophet Muhammad SAW. Along with the times came several thinkers and scholars who were critical of economic issues. One of them is Ibn Taymiyyah, he expressed many thoughts about economics, but in this scientific work the author wants to discuss three thoughts of Ibn Taymiyyah, namely the market mechanism, the concept of price, and monetary policy. This scientific work uses a qualitative method with a literature analysis approach in which this research examines events or history and past events that are accumulated and then analyzed. The results of this study prove that the three results of Ibn Taymiyyah's thought centuries ago are still relevant if applied to economic conditions today.
The The Halal Lifestyle of Millennials and Generation Z in the Digital Era Sariati, Ning Purnama; Mutafarida, Binti; Anam, Choiril
Relevance: Journal of Management and Business Vol. 7 No. 2 (2024): Desember
Publisher : UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/relevance.v7i2.10088

Abstract

Halal and Lifestyle are two different problems, namely between religious guidance (the problem of the hereafter) and economic activity (the problem of the world). The problem discussed is how Halal and lifestyle provide a new economic phenomenon for the millennial generation and generation Z whose lives are integrated with technological advances. The researcher wants to describe how togetherness of these generations will boost business acceleration in the era of digitalization. This research is qualitative research literature. Researchers use a variety of secondary data to be able to provide a supportive understanding according to the topics discussed and the most recent period, namely through secondary data obtained in the last 10 years. Secondary data used by researchers are scientific journals, reports on the development of the halal industry, millennial generation profile books, and so on. The findings are that the halal lifestyle has become a lifestyle for the millennial  and Z generation. The digitalization era opens up new opportunities in the halal industry, namely digital or application-based Islamic business. Thus increasing business value among millennials and Z generation, then making a new big market and contributing to economic growth in Indonesia.
PENGARUH NET OPERATING MARGIN (NOM) DAN FINANCING TO DEPOSIT RATIO (FDR) TERHADAP CAPITAL ADEQUACY RATIO (CAR) PADA BANK UMUM SYARIAH DI INDONESIA Annisa Fitriana, Ika; Fatmawatie, Naning; Mutafarida, Binti
I-Economics Vol 10 No 2 (2024): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v10i2.22840

Abstract

This research employs a quantitative method with a caisal-comparative design. The population for this study consists of Sharia Commercial Banks registered with the Financial Services Authority, selected through purposive sampling criteria determined by the researcher. The 2018-2022 period was chosen because it represents the most recent years, during which the global economy was impacted by the negative effects of the Covid-19 pandemic. This period saw a weakening of the banking system, particularly affecting Islamic banks in Indonesia. Based on the established criteria, there are 9 Sharia Commercial Banks that meet the researcher’s criteria. The total sample size for this study is 45 data points. The results of the study indicate that, in partial testing Net Operating Margin has an influence on Capital Adequacy Ratio, while Financing To Deposit Ratio does not have an influence Capital Adeqyacy Ratio. Net Operating ­Margin and Financing To Deposit Ratio collectively contrubute to 23,3% of the influence on Capital Adequacy Ratio, with the remaining 76,7% influenced by variables outside the scope of this study.
Reconciling Standards and Practice: Halal Certification Mentoring in Indonesia’s Self-Declare Program Mutafarida, Binti; Fahmi, Moh Farih; Sariati, Ning Purnama; Sari, Kiki Novita
Robust: Research of Business and Economics Studies Vol 4, No 2 (2024): Volume 4, Nomor 2: Oktober 2024
Publisher : IAIN Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/robust.v4i2.10313

Abstract

Halal certification is essential for products produced by Micro, Small, and Medium Enterprises (MSMEs) in Indonesia, with government regulations supporting certification through the self-declare system. This study aims to examine the practices and behaviors of halal product mentors in assisting business actors, investigating whether there are deviations from standard procedures and the motivations behind such practices. Using a qualitative descriptive method framed by the Theory of Planned Behavior (TPB), this research provides insights into mentors' actions and decision-making. The findings indicate that (1) mentors often use alternative ingredients in the Si Halal system by inputting similar types under different brands when unregistered ingredients are unavailable; (2) mentors themselves frequently complete fields meant for business actors; and (3) monitoring or site surveys are rarely conducted. These behaviors are motivated by convenience and income targets, with mentors' actions influenced by attitudes, subjective norms, and perceived behavioral control, as outlined in TPB. The study highlights the need for improved regulatory oversight to ensure alignment between certification practices and halal standards.
EFISIENSI BIAYA LAYANAN MELALUI INOVASI KEBIJAKAN BERBASIS TEKNOLOGI DI RUMAH SAKIT MARGONO PURWOKERTO Ningtyas, Trimurti; Minhando, Erys Al Fauzi; Lestari, Asih Widi; Mutafarida, Binti
Juornal of Economics and Policy Studies Vol 2 No 2 (2021)
Publisher : UIN Sayyid Ali Rahmatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (485.876 KB) | DOI: 10.21274/jeps.v2i2.5321

Abstract

Public policy is the focus of attention in an effort to improve the service quality of public sector organizations. Policy innovation provides an offer for the development of policy studies to continuously improve their quality in order to improve organizational performance. This study aims to identify innovations in health service policies at Margono Hospital so that they can improve the quality of service of the organization. Using qualitative methods with descriptive analysis, this study tries to describe and explain the existence of these policy innovations. As a result, there are five types of innovation, namely process innovation, product innovation, method innovation, system innovation and conceptual innovation. The five innovations provide each progress for improving service performance in hospitals. Margono
KARTU KREDIT SYARIAH DAN POLA HIDUP KONSUMTIF Mutafarida, Binti
WADIAH Vol. 1 No. 1 (2017): Wadiah : Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v1i1.1277

Abstract

People's lifestyle can change according to the development of mindset as well as the existing culture. These conditions encourage the banking world in product development to meet the needs of these communities. One of the products adopted by sharia bank is credit card, DSN MUI has issued its fatwa number 54 / DSN / - MUI / X / 2006 for this product with agreement of kafalah, qard and ijarah. This product of sharia credit card is called in sharia bank with name of sharia card. In addition to allowing the sharia card fatwa DSN also provides limits on the use of this magic card.Keywords: sharia card, credit card, sharia bank. Pola hidup masyarakat dapat berubah sesuai dengan perkembangan pola pikir dan juga budaya yang ada. Kondisi ini mendorong dunia perbankan dalam pengembangan produk untuk memenuhi kebutuhan masyarakat tersebut. Salah satu produk yang diadopsi oleh bank syariah adalah kartu kredit, DSN MUI telah mengeluarkan fatwanya nomor 54/DSN/-MUI/X/2006 untuk produk ini dengan akad kafalah, qard dan ijarah. Produk kartu kredit syariah ini disebut dalam bank syariah dengan nama shariah card. Selain memperbolehkan adanya shariah card fatwa DSN juga memberikan batasan dalam penggunaan kartu sakti ini.Kata Kunci : shariah card, kartu kredit, bank syariah.
MACAM-MACAM RISIKO DALAM BANK SYARIAH Mutafarida, Binti
WADIAH Vol. 1 No. 2 (2017): Wadiah : Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v1i2.1280

Abstract

Islamic banks are financial institutions that are expected to answer the needs of Muslims to financial transactions in accordance with sharia. The future of sharia banks will depend heavily on human resource capacity to manage and adapt to the banking business environment. This profit institution in its operation not only faces profit, but in line with business development, technological development, and the development of society requirement for banking product, sharia bank also face risk which has unique characteristic compared to conventional bank. In its operations, sharia banks are required to remain sharia principles in achieving the vision of their mission. Sharia banking is required to be able to face global competition with its identity as a principled and obedient financial institution in sharia compliance.Keywords: sharia bank, risk Abstrak Bank syariah adalah lembaga keuagan yang diharapkan menjawab kebutuhan umat islam terhadap transaksi keuangan yang sesuai dengan syariah. Masa depan bank syariah akan sangat bergantung kepada kemampuan sumber daya insani mengelola dan beradaptasi dengan lingkungan bisnis perbankan. Lembaga profit ini dalam operasionalnya tidak hanya menghadapi keuntungan saja, tetapi seiring perkembangan bisnis, perkembangan teknologi, maupun perkembangan kebutuhan masyarakat akan produk perbankan, bank syariah juga menghadapi risiko risiko yang mempunyai sifat unik dibandingkan dengan bank konvensional. Dalam operasionalnya bank syariah dituntut untuk tetap berprinsip syariah dalam mencapai visi misi yang telah ditetapkan. Perbankan Syari’ah dituntut untuk mampu menghadapi kompetisi global dengan jati dirinya sebagai lembagakeuangan yang berprinsip dan patuh pada syariah (sharia compliance).Kata kunci : bank syariah, risiko
Co-Authors Anam, Choiril Andriani Annis, Syafrin Aulia Annisa Fitriana, Ika Asih Widi Lestari Bachtiar, Jusuf Baitulloh, Sabit Fahmi, Moh Farih Farih Fahmi, Moh Farih Fahmi, Moh. Fauzan . Hanif Fajrin, Ahmad Minhando, Erys Al Fauzi Naning Fatmawatie, Naning ningtyas, trimurti Nur Asiyah, Binti Rokhmat Subagiyo, Rokhmat Sari, Kiki Novita Sariati, Ning Purnama Sugiarto, Suprihantosa Suminto Suminto Syaifuddin, Rahmad Yopi Yudha Utama YULIANI Yuliani Yuliani Yunita, Elza Nikma