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All Journal Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan 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 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 Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences Other

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Sistem Ekonomi Islam dalam Al-Qur’an & Hadits Maula Nasrifah
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 2 No 2 (2016): June
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1679.679 KB)

Abstract

Basically a lot of basic economic concepts developed by capitalists have been discussed both by Muslim economists, both based on the source of primary law or a solicitation on the ruler. Thought Muslims used as a reference in running capitalist economic policy. Likewise were studied by students of various groups of non-Muslims who came from Europe. In the era of Islamic scientific treasures are already very familiar with European thinkers who have done translationtranslation of scientific works into various languages of Muslim west. Islamic Economic System was born out of the efforts of Muslim economic thinker who studied neighbor many weaknesses that are owned by the capitalist and socialist systems. They thought that too many weaknesses in both systems. Although the purpose of the three systems together, the fatherly justice and public welfare, but in the capitalist and socialist economic system does not involve interests in the hereafter carry out its activities. Unlike the Islamic economic system which departs from the investment paradigm in the world will determine the results that will be obtained in the hereafter.
Pengaruh Strategi Promosi terhadap Peningkatan Volume Penjualan pada CV Karya Abadi Simo Kwagean Maula Nasrifah
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 3 No 1 (2017): January
Publisher : Fakultas Ekonomi dan Bisnis Islam

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Abstract

Sales will not be realized without the sale because it CV Karya Abadi doing promotional strategies Advertising and personalselling to increase sales volume. This study aims to determine the will campaign through advertising and personal selling affects sales volume in C.V. Karya Abadi. To achieve these objectives the researchers first conducted a survey in order to identify any variable-variable being considered. In this study, there are three variables: the volume of sales, Advertising and Personal selling. Sempel method used is porposif sampling (sampling technique with a certain considerations). Lagsung to the data obtained from studies in CV Karya Abadi un structure through interview, observation and documentation and analysis using the significance test of each coefficient and significance test models with SPSS version 10.01. From the statistical results can be seen that the value of F> F table (76, 909> 3.3541) then the independent variable (advertising and personal selling) no significant effect so H0 and H1 accepted. To test Thitung on advertising: 2.239 and personal selling: 11.104 and to Ttabel advertising and personal selling is +2.0518 it shows Thitung> Ttabel that H0 rejected and H1 accepted. It can be concluded that the strategy of promotion (advertising and personal selling) affect the volume of sales in C.V. Abadi works by 83.1%, while 14.9% are influenced by other promotional strategy.
Pengaruh Net Profit Margin, Return on Asset & Leverage terhadap Income Smoothing serta Dampaknya terhadap Kinerja Keuangan pada Bank Umum Syariah di Indonesia Maula Nasrifah
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 3 No 2 (2017): June
Publisher : Fakultas Ekonomi dan Bisnis Islam

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Abstract

Income Smoothing is a disclosure method of a company financial reporting which aims to smoothen the profit from one period to another period. This is made by the management with the objective to indicate a good financial performance so that it can attract the investors to place their funds in the company looking into a steady profit offered. The study aims to analyze the impact of Net Profit Margin, Return On Asset and Leverage variables to the Income Smoothing as well as Financial Performance of full-fledged Islamic banks in Indonesia using financial reporting data year 2010-2103. The study employs a regression analysis developed into Path Analysis and Triming Model. The date is tested by the classic assumption tests, namely normality, heteroscedasticity, multicollinearity and auto correlation. The hypothesis test is computed by Software SPSS Versi 21.0. The analysis result shows that Net Margin Profit is the only variable with a statistically significant impact toward Income Smoothing. Return on Asset and Leverage do not significantly impact the Income Smoothing. In addition to that, Net Profit Margin influences the Financial Performance of the bank. Furthermore, Return on asset, leverage, and Income Smoothing do not show a statistically significant impact to the Financial Performance.
Peran Zakat dalam Menumbuhkan Kesejahteraan Masyarakat Maula Nasrifah
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 6 No 2 (2020): Juni 2020
Publisher : Fakultas Ekonomi dan Bisnis Islam

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Abstract

Zakat is a responsibility for Muslims. Zakat can cleanse of the soul and give a big income for Muslims community's economyc strenght. So it can be said that zakat is the main indicator for community welfare in poverty alleviation. The Purpose of this study to explain the role of zakat to grow community welfare by using the case study BAZNAS East Java and providing an explanation of the Welfare Index for BAZNAS East Java. This study uses a quantitative approach. Data obtained through questionnaires and measured using the Welfare Index for BAZNAS to see the impact of zakat distribution conducted by BAZNAS East Java to their mustahiq. The results of this study explained that zakat has a big role in fostering this social welfare as evidenced by the very IKB 2018 value which is 0.95 and has increased significantly compared to the previous year.
Penerapan Sistem Gadai Emas Pada PT. Pegadaian Syariah Kantor Cabang Kota Probolinggo Maula Nasrifah; Siti Chusnul
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 8 No 1 (2022): January 2022
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (289.19 KB) | DOI: 10.55210/iqtishodiyah.v8i1.766

Abstract

Gadai Emas merupakan pemberian dana kepada nasabah dengan menggunakan pembiayaan gadai yang dapat memenuhi kebutuhan keuangan nasabah dengan menggunakan emas sebagai jaminan atas pembiayaan. Penelitian ini bertujuan untuk mendeskripsikan penerapan Sistem Gadai Emas pada PT. Pegadaian Syariah kantor cabang probolinggo sekaligus mendeskripsikan kendala-kendala yang dihadapi PT. Pegadaian Syariah Kantor Cabang Probolinggo didalam proses penerapannya. Penelitian ini merupakan penelitian lapangan, yang bersifat deskriptif kualitatif dengan melakukan wawancara secara mendalam kepada pihak PT. Pegadaian Syariah, data tersebut kemudian dianalisis dan menghasilkan kesimpulan. Dari hasil penelitian dapat dijelaskan bahwa pada penerapannya sudah menerapkan tahapan-tahapan yang mudah namun tetap sesuai dengan standar operasional yang ada, diantaranya; melalui tahapan pengajuan pembiayaan, tahapan penaksiran emas sebagai barang jaminan, tahapan pencairan dana pembiayaan, tahapan pada saat jatuh tempo dan tahapan-tahapan pada saat pelunasan. Sedangkan kendala-kendala yang sering dihadapi karena kesulitan berkomuniasi dengan nasabah yang tidak dapat melakukan pelunasan dan menghadapi komplain dari nasabah atas barang jaminan. Kata Kunci: Gadai Emas, Nasabah, dan PT. Pegadaian Syariah
OPTIMALISASI PENGELOLAAN DANA ZAKAT PADA BADAN AMIL ZAKAT NASIONAL (BAZNAS) KABUPATEN PROBOLINGGO (Study Kasus BASNAZ Kec. Krejengan) Maula Nasrifah
Ar-Ribhu : Jurnal Manajemen dan Keuangan Syariah Vol 4 No 1 (2023): Ar-Ribhu
Publisher : Faculty of Islamic Economics and Business

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Abstract

The purpose of this study was to determine the role of the Probolinggo Regency Amil Zakat Agency (BAZNAS) in optimizing the management of zakat funds with a case study at BAZNAS Kec. krejengan. The writing method in this study uses a qualitative approach with descriptive analysis methods. Collection techniques with observation data, documentation, and interviews. The data sources in this study are primary and secondary data sources using interview techniques. The results in this study indicate that in an effort to optimize the management of Zakat funds, BAZNAS Probolinggo Regency makes efforts to distribute zakat funds using two mechanisms, namely the traditional creative consumptive description and the creative productive descriptive. Keywords: Optimization, Management, Distribution, Zakat, BAZNAS
Optimalisasi Peran Account Officer dalam Penentuan Kelayakan Pengajuan Pembiayaan di BMT Maslahah Idayatus Saleha; Endah Tri Wisudaningsih; Maula Nasrifah
Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 2 (June 2023)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v5i2.244

Abstract

Account Officers have an important role in increasing the efficiency of the institution. Apart from recruiting members, account officers are responsible for various tasks, such as resolving problematic financing, conducting surveys, and conducting financing analysis. accept or reject requests for financing, and become a source for sharia institutions to ensure the continuity of requests for financing. Account Officers must evaluate customers for financing and realizing funding. The purpose of this study is to identify the methods used by account officers to assess the feasibility of applying for financing at the BMT Maslahah Besuk Branch, and explain the supporting factors and inhibiting factors for Account Officers in determining the feasibility of applying for financing at the BMT Maslahah Besuk Branch and explain the solutions they make. in overcoming these inhibiting factors. To express these challenges completely and clearly, researchers used a qualitative approach with raw data collection techniques such as observation, interviews, and documentation. Additional investigations were conducted, and the conclusions reached indicated that the Account Officers modified their approach by working through five steps, including the funding stage, the data collection stage, the data analysis stage, the approval stage, and the disbursement stage. then the 5C concept is used to evaluate. Factors constraining Account Officers in determining eligibility for financing Lack of information on prospective members, inappropriate use of financing, and incomplete customer data are obstacles that must be overcome by Account Officers to assess whether or not a financing is appropriate. Reviewing the 5C principles, taking a personal approach when talking to prospective customers, conducting interviews, preparing the necessary documents, and educating prospective customers so as not to hinder the financing application process.
Strategi Pengelolaan Dana Pihak Ketiga dalam Meningkatkan Likuiditas pada Bank Syariah Indonesia: Studi Kasus BSI KCP Probolinggo Dinda Agustin; Muhammad Hifdil Islam; Maula Nasrifah
Economic Reviews Journal Vol. 3 No. 1 (2024): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v3i1.149

Abstract

Banking is a company that operates in the service sector, the function of banking is to collect and distribute funds from the public. Fund collection plays a very important role for Bank Syariah Indonesia (BSI), because the funds collected will be distributed to the community in the form of financing and management of third party funds is an important aspect in managing bank liquidity, therefore the Bank has its own role. This research aims to find out how the Bank can utilize funding sources to increase its liquidity and to find out what strategies are implemented by the Bank. The method used is direct observation or interviews with the BSI KCP Probolinggo funding party. In analyzing the data, the author uses descriptive qualitative data analysis, which means the data is described systematically about the strategies carried out by PT. Indonesian Sharia Bank KCP Probolinggo. The research results reveal that the strategy used to increase and maintain TPF at Bank Syariah Indonesia is to seek large amounts of retail funds, offer competitive products, collaborate with business partners, cheap funds, not entrusted funds.
Strategi Pemasaran Cicil Emas (CILEM) untuk Meningkatkan Minat Nasabah di BSI KCP Probolinggo Nura Safira; Abd Aziz; Maula Nasrifah
Economic Reviews Journal Vol. 3 No. 1 (2024): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v3i1.150

Abstract

Bank Syariah Indonesia (BSI) provides financing services for purchasing gold known as BSI gold installments. This product scheme is based on a murabahah contract as the basis of the agreement, with the use of a rahn (pawn) agreement as a collateral binder. The gold used is gold bullion, bullion and Antam precious metals, where the initial payment is 20%, while the remaining 80% can be paid in installments. This research aims to find out how the marketing strategy for gold installments affects people's interest in becoming gold installment customers at BSI KCP Probolinggo. This research method uses field studies and is descriptive qualitative in nature. The data collection techniques used included interview techniques, observation and documentation carried out with BSI KCP Probolinggo. The research results show that the Wa blast strategy of offering gold installments is the most effective strategy for existing customers, while the personal selling approach is the most effective strategy for attracting new customers at BSI KCP Probolinggo. With these two strategies, it is the best and most reducible strategy for long-term investment.
Pengaruh NPF, FDR, dan BOPO Terhadap Profitabilitas BTN Syariah Fatimatuz Zahro, Sri Indah; Ghafur, Abd.; Nasrifah, Maula
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 9 No. 01 (2024): JESPB Edisi April 2024
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v9i01.1314

Abstract

The purpose of this study is to determine the impact of NPF, FDR, and BOPO on the profitability of BTN Syariah as measured using ROA. This data comes from the BTN Syariah website (www.btn.co.id) which has 36 samples of audited financial statements from 2015 to 2023. The methods used are descriptive statistical analysis, classical assumption testing, multiple linear regression analysis and hypothesis testing. The results showed that the NPF and BOPO variables had a negative and considerable impact on the ROA variable. While the FDR variable has a large and good impact on the ROA variable. In addition, ROA variables are influenced simultaneously by NPF, FDR and BOPO variables. According to the coefficient of determination, NPF, FDR, and BOPO variables contributed 85.3% to ROA.
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. Halima, Halima Hidayanti, Sayfi Idayatus Saleha Islamiyah, Rofiatul Kamilah Rihadatul Aisya Khovivatul Jannah Liam, Liam Maulidiyah, Nailin Nikmatul Muhammad Hifdil Islam Nura Safira Oktaviani, Nurlaili Saleha, Idayatus Siti Aisyah Siti Chusnul Wisudaningsih, Endah Tri