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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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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.
Zuhd as an Ethical Critique of Digital Hedonism: A Literature-Based Study from the Perspective of Islamic Economic Ethics Nasrifah, Maula; Arifin, Sirajul
Muhasabatuna : Jurnal Akuntansi Syariah Vol. 7 No. 2 (2025): December
Publisher : Lembaga Penelitian, Penerbitan dan Pengabdian Masyarakat Institut Agama Islam syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/muhasabatuna.v7i2.3809

Abstract

Digital hedonism, which has intensified through social media, platform-based economies, and instant consumption culture, has fostered behavioral patterns oriented toward pleasure-seeking, excessive self-presentation, and self-commodification. These developments have generated significant ethical tensions in the consumption practices of Muslim communities. This article examines the concept of zuhd as an ethical critique of digital hedonism using a qualitative library research approach. Data were drawn from classical and contemporary Islamic literature as well as empirical studies on digital consumption and Islamic economic ethics. The analysis reveals that zuhd should not be understood as hostility toward pleasure or technology, but as a value-oriented framework that regulates consumption motives in accordance with spiritual objectives (maqāṣid al-sharīʿah). In the digital context, zuhd functions as an ethical compass that mitigates consumptive pressure, strengthens self-awareness, and reorients the moral use of technology. This study offers a conceptual contribution to the development of digital consumption ethics within Islamic economic thought.
Implementasi Lagu Modern Sebagai Media Pembelajaran Bahasa Arab bagi Santri Tpq dan Madin Al-Adnani Husnah, Rif'atul; Halimatus Sya'diyah, Siti; Nasrifah, Maula
Najah: Journal of Research and Community Service Vol. 3 No. 1 (2025): Maret 2025
Publisher : Kalam Nusantara Institute

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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
Peran Edukasi Keuangan Syariah dalam Membentuk Perilaku Keuangan dan Implikasinya terhadap Inklusi Perbankan Syariah Nasrifah, Maula
Al-Musthofa: Journal of Sharia Economics Vol. 8 No. 2 (2025): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v8i2.4318

Abstract

The development of Islamic banking in Indonesia has shown significant growth in terms of institutional expansion and regulatory support; however, its level of inclusion remains relatively lower than that of conventional banking. One of the key factors contributing to this condition is the limited level of Islamic financial literacy among the public. This study aims to analyze the role of Islamic financial education in shaping financial behavior and its implications for enhancing Islamic banking inclusion in Indonesia. This research employs a descriptive qualitative approach using document-based analysis of policy reports, regulations, and relevant national and international academic literature. Data were analyzed through thematic qualitative analysis to identify the relationships between Islamic financial education, financial literacy, financial behavior, and Islamic banking inclusion. The findings indicate that Islamic financial education plays a fundamental role in improving Islamic financial literacy and fostering financial behavior aligned with Sharia principles. Such behavioral changes contribute to increased public participation in utilizing Islamic banking services. This study emphasizes that the enhancement of Islamic banking inclusion should be understood as a continuous socio-educational process rather than merely an issue of financial access.
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