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All Journal Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Ilmiah Ecobuss 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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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.
Optimalisasi Peran Account Officer dalam Penentuan Kelayakan Pengajuan Pembiayaan di BMT Maslahah Saleha, Idayatus; Wisudaningsih, Endah Tri; Nasrifah, Maula
Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 2 (June 2023)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (486.125 KB) | 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.
Financial Performance Analysis of Regional Companies (Case Study on Regional Company “Rengganis” Probolinggo Regency, East Java 2018-2020) Oktaviani, Nurlaili; Nasrifah, Maula
Journal of Islamic Contemporary Accounting and Business Vol. 2 No. 1 (2024): JICAB
Publisher : Tazkia Islamic University College

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/jicab.v2i1.325

Abstract

The Rengganis Regional Company of Probolinggo Regency is a company engaged in services that manages (Sports Building) Sasana Krida Gymnasium & Tennis Court, Jabung Tirta Swimming Pool and Bremi Pesanggrahan. To determine the success of the company's ability to develop its business, we can assess the company's performance through financial reports. The purpose of this study was to determine the financial performance of the Rengganis Regional Company, Probolinggo Regency, East Java in 2018 - 2020 and to describe the financial soundness of the Rengganis Regional Company of Probolinggo Regency from 2018 to 2020 based on the Decree of the Minister of SK Menteri BUMN Nomor : KEP-100/ MBU/ 2002. The research approach that the author uses is a descriptive qualitative approach, which is directed at how the financial performance and health level of the Regional Company Rengganis Kab. Probolinggo. Data obtained from financial reports sourced from the Regional Company Rengganis Kab. Probolinggo in 2018, 2019 and 2020. The results show that the financial soundness of the Rengganis Regional Company during the three accounting periods, 2018, 2019 and 2020 according to the Decree of the Minister of SK Menteri BUMN Nomor : KEP-100/ MBU/ 2002 through 8 ratio indicators is not good. This is due to the less than optimal management of the financial performance of the Rengganis regional company.
System Payment Mu’nah in Gold Pawn Financing Indonesian Syariah Bank, Lumajang S. Parman Branch Office Nasrifah, Maula; Darma Oktaviana, Shinta
Muhasabatuna : Jurnal Akuntansi Syariah Vol. 6 No. 2 (2024): December
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/muhasabatuna.v6i2.3371

Abstract

Maintenance fee (mu'nah) is a gold pawn maintenance fee that is calculated based on a certain proportion of the estimated collateral pawned by the customer. The purpose of this study was to determine the gold pawn financing mechanism of Bank Syariah Indonesia, Lumajang S. Parman Branch Office and to describe the implementation of the mu'nah payment system of Bank Syariah Indonesia, Lumajang S. Parman Branch Office. The type of research used in this study is a qualitative method with a descriptive approach. Data collection techniques use interviews, observation and documentation, then the data is analyzed by reducing data, presenting data, drawing conclusions. Data validity uses source triangulation techniques. This study concluded: 1) The gold pawn financing mechanism at BSI KCP Lumajang S. Parman has a very easy process with simple terms and conditions, no interest is charged, financing does not contain gharar and is based on sharia law. 2) Implementation of the mu'nah payment system in gold pawn financing, there is collateral in the form of jewelry or gold bars held by BSI and its security and safety are maintained by imposing mu'nah fees (maintenance fees) which are borne by the customer. Customers who take financing below the predetermined estimated value get a mu'nah discount. The determination of the mu'nah fee discount has been automatically systematized when the officer inputs the nominal financing taken by the customer.
Pengaruh Literasi Keuangan Syariah dan Sikap Keuangan Terhadap Perilaku Konsumtif Mahasiswa Aktif Program Studi Manajemen Keuangan Syariah Aisyah, Siti; Nasrifah, Maula; Maulidiyah, Nailin Nikmatul
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 11 No. 3 (2025): Juni 2025
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v11i3.4146

Abstract

This study intends to analyze the influence of Syariah financial literacy and financial attitudes on the consumptive behavior of active students of the Sharia Financial Management Study Program. The research method uses an exploratory quantitative approach with samples determined using Cochran's formula and proportionate stratified random sampling technique. Data were collected through questionnaires, then analyzed using multiple linear regression analysis after classical assumption tests. The results of the study showed that Sharia financial literacy and financial attitudes had a significant effect on students' consumptive behavior. These results contributed to strategies for improving financial literacy and controlling consumption behavior, as well as being a cornerstone in the formation of financial education policies based on Sharia values in the campus environment.
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.
Performance Analysis of Bank BNI Syariah Before and After Becoming Bank Syariah Indonesia (BSI): English Nasrifah, Maula
Muhasabatuna : Jurnal Akuntansi Syariah Vol. 5 No. 2 (2023): December
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/muhasabatuna.v5i2.2725

Abstract

The government's policy of merging three state-owned sharia banking companies provides market share opportunities for Bank Syariah Indonesia to support the growth of sharia banking. The three banks are Bank Syariah Mandiri (BSM), Bank Rakyat Indonesia (BRIS), and Bank Negara Indonesia Syariah (BNIS). The aim of this research is to describe the performance of Bank BNI Syariah before and after becoming Bank Syariah Indonesia using the filed research method with interview data which is then analyzed. The research results show that Islamic banks are experiencing very rapid development, so they require special strategies to become superior, one of which is by improving the banking service system and continuously making improvements. In the process, there have been several changes in the performance system of sharia banks, including increasing the types of financing and types of savings currently available at Indonesian sharia banks. Like pension savings which only came into existence when it was merged into Bank Syariah Indonesia and this was followed by other similar product
The Effect of The Policy on Channeling of Funds and The Monitoring System Significantly on The Economic Welfare of Members at The BMT Maslahah Tiris Branch Nasrifah, Maula
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.v7i1.3468

Abstract

Purpose of this Research the formulation of the problem in this study is as follows, Does the policy on channeling funds and the supervisory system affect the economic welfare of members partially and simultaneously. To find out the effect of the policy on channeling of funds and the monitoring system significantly on the economic welfare of members partially and simultaneously at the BMT Maslahah Tiris branch. The type of research used in this study is a quantitative method with a descriptive approach. The samples and respondents in this study were members of the BMT Maslahah Tiris Branch with 96 respondents. Data collection techniques using questionnaires and documentation. Data analysis techniques used validity test, reliability test, multiple linear regression test, classical assumption test, hypothesis test and simultaneous test. The data processing uses SPSS 25. The results of the analysis show that the policy on channeling funds has a significant effect on the economic welfare of members. This is proven by the T test, a significant value of 0.000 <0.05 and a t- count value of 8,985 > t-table 1.986 so that it can be concluded that H1 is accepted, which means that there is an effect of X1 on Y. And the results of the analysis for the surveillance system show that there is a significant influence to the economic well-being of members. This is proven by the T test, the significant value for the effect of X2 on Y is 0.023 <0.05 and t count 2,315 > ttable 1.986 so it can be concluded that H2 is accepted, which means there is an effect of X2 on Y. The results of the analysis show that the distribution policy funds and supervisory systems, both of which simultaneously influence the economic welfare of member.
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 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