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All Journal Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Ilmiah Ecobuss Jurnal Ilmiah Ekonomi Global Masa Kini Jurnal Manajemen Bisnis Jurnal Informatika Ekonomi Bisnis Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Asy-Syariah Jurnal Pendidikan dan Kewirausahaan Jurnal Ekuilnomi 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 Journal of Management and Digital Business Jurnal Riset Ilmu Ekonomi dan Bisnis 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 Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences Other

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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.
Penerapan Strategi Segmenting, Targeting, Positioning Dalam Meningkatkan Nilai Kualitas Produk Tabungan Prima iB Bank Tabungan Negara Syariah Kcps Probolinggo halim, halima halima; Islam, Muhammad Hifdil; Nasrifah, Maula
Ecobuss Vol 12 No 1 (2024): Jurnal Ilmiah Ecobuss, Volume 12, Nomor 1, Maret 2024
Publisher : Fakultas Ekonomi dan Bisnis Universitas Panca Marga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51747/ecobuss.v12i1.1865

Abstract

Abstrak: This research aims to find out how segmenting, targeting and positioning (STP) strategies are implemented in a company. This method uses qualitative methods in collecting primary data and secondary data. Primary data was obtained using data collection techniques through interviews (In-depth interviews), focus group discussions. Meanwhile, secondary data was obtained such as books, notes and theses, scientific journals relating to the research focus. The results of this research show that bank BTN Syariah Kcps Probolinggo implements the STP strategy to improve the quality of the Prima iB Savings product. Product quality value is measured in terms of performance, features, reliability, aesthetics, applicability, durability, maintenance and perceived quality especially by using the STP strategy to reach the wider community more easily. This research is also equipped with the obstacles and solutions to solving existing problems at the Prima iB Bank BTN Syariah Kcps Probolinggo Savings company. Keywords ; STP Strategy, Product Quality, Prima iB Savings.
Pengaruh Good Corporate Governance Terhadap Kinerja Keuangan Bank Umum Syariah Di Indonesia Tahun 2020-2024 Rosabila Andiny; Maula Nasrifah; Yeni Kartikawati
Jurnal Ekuilnomi Vol. 8 No. 2 (2026): Ekuilnomi Vol 8 (2), Mei 2026
Publisher : Program Studi Ekonomi Pembangunan Fakultas Ekononomi Universitas Simalungun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36985/0ess0g08

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Good Corporate Governance (GCG) terhadap kinerja keuangan Bank Umum Syariah di Indonesia selama periode 2020–2024. Variabel independen dalam penelitian ini adalah GCG, yang diwakili oleh dewan komisaris dan dewan direksi, sedangkan variabel dependen adalah kinerja keuangan, yang diukur dengan Return on Assets (ROA). Penelitian ini menggunakan pendekatan kuantitatif dengan metode asosiatif kausal. Data yang digunakan adalah data sekunder yang bersumber dari laporan tahunan Bank Umum Syariah yang terdaftar di Otoritas Jasa Keuangan. Sampel penelitian terdiri dari 7 Bank Umum Syariah selama periode 5 tahun, menghasilkan 35 data. Setelah menghilangkan satu outlier, diperoleh 34 observasi. Teknik analisis data menggunakan regresi linier berganda dengan uji-t dan uji-F menggunakan perangkat lunak SPSS versi 27. Hasil pene- litian menunjukkan bahwa secara parsial, variabel dewan komisaris memiliki nilai t-hitung sebesar 0,983 dengan tingkat signifikansi 0,333, sedangkan variabel dewan direksi memiliki nilai t-rhitung se- besar 0,400 dengan tingkat signifikansi 0,692, yang mengindikasikan bahwa keduanya tidak memiliki pengaruh signifikan terhadap kinerja keuangan. Secara simultan, nilai F-hitung sebesar 0,554 dengan tingkat signifikansi 0,580 (>0,05), yang mengindikasikan bahwa dewan komisaris dan dewan direksi secara kolektif tidak memiliki pengaruh signifikan terhadap kinerja keuangan Bank Umum Syariah. Temuan ini menunjukkan bahwa kinerja keuangan Bank Umum Syariah lebih dipengaruhi oleh faktor- faktor selain variabel yang dianalisis dalam penelitian ini
Literasi digital, etika bisnis Islam, dan inovasi produk sebagai determinan keputusan pembelian konsumen pada marketplace Shopee di Kecamatan Banyuanyar Daniel M. Rafli Agustias; Maula Nasrifah; Ahmad Fajri
Journal of Management and Digital Business Vol. 6 No. 2 (2026): Journal of Management and Digital Business
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jmdb.v6i2.3232

Abstract

This study examines the effects of digital literacy, Islamic business ethics, and product innovation on consumers’ purchasing decisions on the Shopee marketplace in Banyuanyar District. The study was conducted in response to the limited research integrating digital literacy and Islamic business ethics within the context of marketplace use in semi-rural areas. A quantitative approach with an associative research design was employed. The sample consisted of 100 respondents selected through purposive sampling. Data were collected using questionnaires and analyzed through multiple linear regression. The results indicate that digital literacy, Islamic business ethics, and product innovation each have a positive and significant effect on purchasing decisions. Simultaneously, all three independent variables significantly influence consumers’ purchasing decisions. These findings imply that marketplace sellers should improve the quality of digital information, apply Islamic business ethics principles, and develop product innovations that respond to consumer needs. In addition, marketplace providers and local governments should strengthen digital literacy programs and business assistance initiatives to help consumers and business owners in semi-rural areas use digital marketplaces more effectively, ethically, and sustainably.
Implementasi Lagu Modern Sebagai Media Pembelajaran Bahasa Arab bagi Santri Tpq dan Madin Al-Adnani Rif'atul Husnah; Siti Halimatus Sya'diyah; Maula Nasrifah
Najah: Journal of Research and Community Service Vol. 3 No. 1 (2025): Maret 2025
Publisher : Kalam Nusantara Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Music is one of the learning media that we can use as a learning process to make it more fun and not nbboring, and can provide wider space for knowledge so that it is easier to target and channel it flexibly. Especially for students who still have difficulties in learning Arabic, thus the researcher takesan analysis of the implementation of the song as an Arabic language learning medium to improve the capability of memorizing vocabulary for Madin and Tpq Al-adnani which is located in the village,Tiris east of the river hamlet. Because the main purpose of the research that the researchers have the initiative to discuss as a whole in this study using the asset based community development (ABCD) method. The strategy used in this study is observation of implementation and evaluation. This it can be concluded that the implementation of song media in lelarning Arabic can increase the capability of memorizing Arabic vocabulary
Maqaṣid Al-Syariʿah sebagai Kerangka Evaluatif untuk Platform Crowdfunding Hayatul Millah; Sirajul Arifin; Maula Nasrifah
Jurnal Riset Ilmu Ekonomi dan Bisnis Volume 6, No. 1, Juli 2026, Jurnal Riset Ilmu Ekonomi dan Bisnis (JRIEB)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrieb.v6i1.9114

Abstract

Abstract. This study aims to develop an evaluative framework based on maqāṣid al-syarī‘ah for sharia crowdfunding platforms within social financing in Indonesia. The study employs a qualitative approach using a library research design, drawing on academic literature, regulations, and documents from the Islamic fintech industry. Data analysis is conducted using thematic analysis. The findings present a maqāṣid al-syarī‘ah evaluative framework consisting of three dimensions: (1) the value dimension (core maqāṣid), covering protection of religion, life, intellect, lineage, and wealth through indicators of sharia compliance, social impact, risk literacy, benefit sustainability, and fund protection; (2) the process dimension, including information transparency, sharia governance, risk mitigation, and documented fund flow; and (3) the impact dimension, measured by program sustainability, beneficiary welfare improvement, and economic empowerment. This study confirms that a maqāṣid-based approach can bridge the gap between formal compliance and socio-economic objectives in Islamic fintech. The framework is expected to serve as a foundation for developing more comprehensive and measurable evaluation standards for sharia crowdfunding. Abstrak. Penelitian ini bertujuan mengembangkan kerangka evaluatif berbasis maqāṣid al-syarī‘ah untuk platform crowdfunding syariah dalam pembiayaan sosial di Indonesia. Penelitian ini menggunakan pendekatan kualitatif dengan desain studi pustaka yang bersumber dari literatur akademik, regulasi, dan dokumen industri fintech syariah. Analisis data dilakukan melalui analisis tematik. Hasil penelitian menunjukkan kerangka evaluatif maqāṣid al-syarī‘ah yang terdiri dari tiga dimensi: (1) dimensi nilai (maqāṣid inti) mencakup perlindungan agama, jiwa, akal, keturunan, dan harta melalui indikator kepatuhan syariah, dampak sosial, literasi risiko, keberlanjutan manfaat, dan perlindungan dana; (2) dimensi proses meliputi transparansi informasi, tata kelola syariah, mitigasi risiko, dan dokumentasi alur dana; serta (3) dimensi dampak yang diukur melalui keberlanjutan program, kesejahteraan penerima manfaat, dan pemberdayaan ekonomi. Kajian ini menegaskan bahwa pendekatan berbasis maqāṣid dapat menjembatani kesenjangan antara kepatuhan formal dan tujuan sosial-ekonomi dalam fintech syariah. Kerangka ini diharapkan menjadi dasar pengembangan standar evaluasi crowdfunding syariah yang lebih komprehensif.
Analysis of the Efficiency and Effectiveness of Financial Management at the Sidoarjo Regency Population and Civil Registration Office for 2024–2025 Uzlifatil Jannah; Maula Nasrifah; Anik Gita Yuana
Jurnal Ilmiah Ekonomi Global Masa Kini Vol. 17 No. 1 (2026): Vol. 17 No. 1
Publisher : Universitas Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36982/jiegmk.v17i1.7429

Abstract

This study aims to analyze the level of efficiency and effectiveness of financial management at the Sidoarjo Regency Population and Civil Registration Office for the 2024–2025 period. Efficient and effective financial management is one of the key indicators in achieving good governance and supporting improvements in the quality of public services. The study employs a quantitative descriptive method using a financial ratio analysis approach. Research data were obtained through a review of the Budget Implementation Reports (LRA) for the 2024–2025 period, which included data on budgeted expenditures, actual expenditures, and budget targets. Data analysis was conducted using efficiency and effectiveness ratios. The results show that the financial management efficiency ratio for 2024 was 98.52% and for 2025 was 96.02%. Based on the criteria used in the study, both values fall into the “efficient” category. Meanwhile, the effectiveness ratio for 2024 was 98.52% and for 2025 was 96.02%, indicating that the majority of budget targets were successfully achieved, thus falling into the “effective” category. The research findings indicate that financial management at the Sidoarjo Regency Population and Civil Registration Office has been effective in supporting the achievement of program targets and the optimal delivery of population administration services. Nevertheless, improvements in the quality of budget planning, expenditure control, program performance evaluation, and the use of information technology are still needed to maintain and enhance financial management performance in the future. Keywords: Effectiveness, Efficiency, Financial Management, Public Service, Department Of Population And Civil Registration.
Co-Authors Abd Aziz Abdel Karim, Ahmed Admati, Anat Ahmad Fajri Aimatus Sholehah Ainun Najib Anik Gita Yuana Daniel M. Rafli Agustias Darma Oktaviana, Shinta Dinda Agustin Endah Tri Wisudaningsih Fatimatuz Zahro, Sri Indah Fika Anjana Ghafur, Abd. halim, halima halima Halima, Halima Hayatul Millah Hidayanti, Sayfi Idayatus Saleha Islamiyah, Rofiatul Kamilah Rihadatul Aisya Khovivatul Jannah Liam, Liam Maulidiyah, Nailin Nikmatul Muhammad Hifdil Islam Nura Safira Oktaviani, Nurlaili Rif'atul Husnah Rosabila Andiny Saleha, Idayatus Sirajul Arifin Siti Aisyah Siti Chusnul Siti Halimatus Sya'diyah Uzlifatil Jannah Wisudaningsih, Endah Tri Yeni Kartikawati