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All Journal Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Ilmiah Ecobuss Al-Musthofa: Journal of Sharia Economics Jurnal Manajemen Bisnis Jurnal Informatika Ekonomi Bisnis Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Asy-Syariah Jurnal Pendidikan dan Kewirausahaan Jurnal Ekonomi Syariah Pelita Bangsa Muhasabatuna: Jurnal Akuntansi Syariah Ar-Ribhu: Jurnal Manajemen dan Keuangan Syariah Al-Fikru : Jurnal Pendidikan dan Sains JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Economic Reviews Journal Jurnal Informatika Ekonomi Bisnis Najah: Journal of Research and Community Finance Journal of Islamic Contemporary Accounting and Business
Maula Nasrifah
Universitas Islam Zainul Hasan Genggong
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Library & Information Science Social Sciences Other

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Journal : Finance

 1 
Analisis Efektivitas Strategi Sistem Jemput Bola dalam Meningkatkan Jumlah Nasabah Pada BMT Maslahah Cabang Pembantu Condong Nasrifah, Maula; Abdel Karim, Ahmed
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/zqj73f54

Abstract

The ball pick-up system is carried out to introduce BMT to all levels of society, especially the lower middle class as an effort made by BMT to introduce BMT so that people are interested in becoming members by visiting each member's home. The purpose of this study is to determine the effectiveness of the ball pick-up system strategy at BMT Maslahah Condong Sub-Branch in increasing the number of customers and to find out the constraints of the ball pick-up system strategy. This research uses qualitative methods based on the philosophy of postpositivism. Data collection techniques with observation, interviews and documentation. Descriptive analysis techniques by examining and describing the findings that have been obtained from observations and existing documentation. The results of this study indicate that the ball pick-up system is very effective in increasing the number of customers. The effectiveness in question is with active planning and time, integration of communication and work enthusiasm by the BMT. The ball pick-up strategy at BMT has the advantage of providing convenience to customers in transacting with no need to come to the office for transactions, increasing socialisation, providing calendars, delivery and courteous service to members. The obstacles faced are mobile printers that sometimes err, the amount of savings that are not the same amount, and the limited time and lack of employees who run.
ANALISIS MEKANISME PENGHIMPUNAN DANA TABUNGAN HAJI DENGAN AKAD MUDHARABAH PADA BANK BTN KCPS PROBOLINGGO Najib, Ainun; Nasrifah, Maula; Liam, Liam
Finance : Journal of Accounting and Finance Vol. 2 No. 2 (2024): Volume 2 Nomor 2, November 2024
Publisher : universitas Islam Zainul Hasan Genggong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/3w8qs708

Abstract

This research will discuss the analysis of the mechanism for collecting hajj savings funds using a Mudharabah agreement at BTN KCPS Probolinggo. With the aim of finding out more about the mechanism for collecting Hajj savings funds with a Mudharabah agreement at BTN KCPS Probolinggo. The research method is descriptive qualitative and data is obtained through observation, interviews and documentation, tested with credibility tests and analyzed from data collection to reporting. The results of this research show that the Mudharabah Agreement which is used to collect funds is also very helpful for customrs in deciding to save for hajj at BTN KCPS Probolinggo, where the sharia system is currently starting to develop in Indonesia. With the existence of this hajj savings product at BTN, of course, using the Mudharabah contract as a reference, there are many things that can be obtained by the customers themselves, such as helping to ease the preparation and carrying out of the hajj through sharia-based fund management, free opening fees, no monthyl administration, and customers can get ATM card fasilities that can be used by VISA providers.
ANALISIS PENERAPAN STRATEGI SEGMENTING, TARGETING DAN POSITIONING TERHADAP TABUNGAN PRIMA IB BANK TABUNGAN NEGARA SYARIAH PROBOLINGGO Halima, Halima; Nasrifah, Maula; Admati, Anat
Finance : Journal of Accounting and Finance Vol. 2 No. 2 (2024): Volume 2 Nomor 2, November 2024
Publisher : universitas Islam Zainul Hasan Genggong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/hp9fs698

Abstract

This research aims to find out how the segmenting, targeting and positioning (STP) strategy is implemented in a company, where the STP strategy itself has an important role in increasing a company's profits from iB prime savings at Bank Tabungan Negara Syariah Probolinggo (BTN). This method uses qualitative methods in collecting interview data (In-depth interviews), focus group discussions (FGD) and is equipped with documentation carried out with 3 sources, namely customer service and 2 members of the finance office of BTN Syariah Probolinggo bank. The results of this research show that the Prima iB Savings at BTN Syariah Bank Probolinggo applies the STP strategy to its products. Implementation of segmentation for Prima iB Savings through geographic, behavioral and democratic segmentation. Meanwhile, targeting is applied to entrepreneurs, developers and notaries because the target market itself is customers from the upper middle class economy because they have quite high mobility. Finally, the application of positioning 1. Social media 2. Large events 3. Through verbal 4. Bank BTN Syariah Probolinggo marketing. This research is equipped with obstacles and solutions to overcome problems that exist in a company in the Prima iB Savings product.
RISK MANAGEMENT IN MINIMIZING KPR FINANCING RISK AT BANK BTN SYARIAH KCP PROBOLINGGO Nasrifah, Maula
Finance : Journal of Accounting and Finance Vol. 1 No. 1 (2023): Volume 1 Nomor 1, Mei 2023
Publisher : universitas Islam Zainul Hasan Genggong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/wfxjrj71

Abstract

Bank BTN Syariah is one of the Islamic financial institutions that offers services in storing public funds and providing financing to customers in need, particularly through home ownership financing (KPR). As a sharia-compliant bank, BTN Syariah must carefully assess the eligibility of prospective debtors before approving financing applications. This assessment serves as a preventive measure to minimize potential risks or losses arising from non-performing financing (NPF). To manage these risks, BTN Syariah implements the 5C principle in its creditworthiness evaluation process, which includes Character, Capacity, Capital, Collateral, and economic Conditions. Furthermore, the bank employs several mitigation strategies such as implementing grace periods, rescheduling of principal balances, and restructuring outstanding financing obligations. This study seeks to explore how BTN Syariah applies risk management strategies specifically to its KPR products to reduce the occurrence of problematic financing. A qualitative descriptive method is used, combining literature review with field research through observation, interviews, and documentation. The findings reveal that KPR financing at BTN Syariah is prone to risks primarily stemming from the inability of debtors to fulfill their repayment obligations. This condition necessitates the presence of an effective risk management system that is responsive, preventive, and adaptive to ensure the bank’s financial stability while upholding sharia principles.
Co-Authors Abd Aziz Abdel Karim, Ahmed Admati, Anat Aimatus Sholehah Ainun Najib Darma Oktaviana, Shinta Dinda Agustin Endah Tri Wisudaningsih Fatimatuz Zahro, Sri Indah Fika Anjana Ghafur, Abd. halim, halima halima Halima, Halima Halimatus Sya'diyah, Siti Hidayanti, Sayfi husnah, Rif'atul Idayatus Saleha Islamiyah, Rofiatul Kamilah Rihadatul Aisya Khovivatul Jannah Liam, Liam Maulidiyah, Nailin Nikmatul Muhammad Hifdil Islam Nura Safira Oktaviani, Nurlaili Saleha, Idayatus Sirajul Arifin Siti Aisyah Siti Chusnul Wisudaningsih, Endah Tri