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Analisis Manajemen Risiko Pada Tabungan Berhadiah Emas Di BPRS Sarana Prima Mandiri Pamekasan Iqbal Rafiqi; Abd Wahid
Jurnal Akuntansi Keuangan dan Bisnis Vol. 2 No. 2 (2024): Juli - September
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62379/jakbs.v2i2.1388

Abstract

Saving Account with gold prizes at BPRS Sarana Prima Mandiri Pamekasan is very attractive to customers because the prizes are in the form of gold. It’s become an advantage for the bank considering the large number of customers who take part in the program. but besides that, the large amount of funds collected from these savings can also be a risk to the bank if the bank cannot manage it well. so that, a good risk management is needed so that banks can avoid risks that can harm the bank. This research uses qualitative research method with approach of case study. The results of this research study is the application of risk management in the management of prize savings at BPRS SPM Pamekasan is carried out by: 1) Risk identification by conducting 5C analysis and also BI Checking for customers who wish to do financing, 2) Measuring risk by providing value to customers before making a decision, 3) Risk monitoring by conducting periodic evaluations, 4) Risk control is usually carried out for customers with problems, namely by billing, giving warning letters and ending guarantee auctions.
The Development of Arrum Haji Products at Pegadaian Syariah: Empirical Evidence from The Sumenep Branch Office Iqbal Rafiqi; Qanita Aulia Kharida; Maftuhatul Faizah; Moh. Jufriyadi Sholeh; Muhammad Nurul Yaqin
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol. 6 No. 2 (2025): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Universitas Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v6i2.2468

Abstract

This study aims to evaluate the business development and growth trajectory of the Arrum Haji product at the Pegadaian Syariah Sumenep Branch Office. Employing a qualitative research design, data were gathered through comprehensive observation, in-depth interviews, and meticulous documentation. The analytical framework involved data reduction, data display, and conclusion drawing, with methodological triangulation utilized to ensure data validity. The findings reveal a consistent upward trend in the overall performance of the Sumenep Branch from 2019 to 2023. Specifically, the customer base expanded from 46,633 to 48,092, while the annual turnover surged from IDR 523,037,920,000 to IDR 595,126,415,270, representing a significant 115% growth. Regarding the Arrum Haji product, the branch successfully acquired 50 customers during the same period. Despite the steady progress, the penetration rate for Arrum Haji remains relatively modest. This limited adoption is primarily attributed to the product’s nascent stage in the market. This research provides strategic insights into the early-stage adoption of Sharia-compliant pilgrimage financing within the pawnshop industry.
Reinventing Pesantren Economies: Islamic Social Entrepreneurship as a Model for Sustainable Community Transformation Zaid Raya Argantara; Slamet Haryono; Moh. Wardi; Holilur Rahman; Iqbal Rafiqi; Noor Aimi Mohamad Puad
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 15 No. 1 (2026): April
Publisher : Department of Sharia Economics Faculty of Islamic Economics and Business, Universitas Islam Syarifuddin Lumajang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v15i1.3012

Abstract

This study examines the role of Islamic social entrepreneurship in reinventing pesantren-based economies as a sustainable model for community transformation within the broader discourse of inclusive and ethical development. Employing a qualitative descriptive-analytical approach, data were collected through in-depth interviews, participant observation, and documentation at Pondok Pesantren Al-Amien Prenduan, Indonesia. The findings demonstrate that the implementation of Islamic social entrepreneurship through the Micro Waqf Bank (BWM) Al-Pend Barokah Mandiri significantly contributes to economic empowerment among productive low-income communities. Beyond local impact, this pesantren-based model addresses global challenges related to financial inclusion, social inequality, and sustainable development by embedding Islamic ethical values within entrepreneurial practices. The study contributes to the literature by conceptualizing pesantren not merely as religious institutions but as transformative socio-economic actors capable of driving inclusive growth. This research proposes pesantren-based Islamic social entrepreneurship as a viable alternative framework for sustainable community transformation in emerging Muslim economies.
Tren Riset Green Banking pada Perbankan Syariah di Indonesia: Analisis Bibliometrik Tahun 2019-2024 Rafiqi, Iqbal; Sarah, Murniah
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 3 No. 3 (2026): Mei : Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA) 
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v3i3.2234

Abstract

This study aims to analyze trends in scientific publications related to the application of green banking in financing products within Islamic banking in Indonesia during the 2019–2024 period. Using a bibliometric analysis method based on Google Scholar data and mapping via VOSviewer software, this study evaluates 60 selected articles. The study results indicate a significant annual increase in publications, with a primary focus on integrating green banking principles into Islamic financing policies, their impact on profitability, and the role of technology in supporting green banking. Additionally, the study found that environmental sustainability, green financing, and digital transformation are the most dominant themes in the development of green banking research within Islamic banking. Bibliometric network analysis indicates a strong interconnection between the concepts of green finance, sustainable banking, and Islamic banking in supporting sustainable economic development. This study also identifies opportunities for further research related to the effectiveness of green banking implementation on the financial performance and social responsibility of Islamic banking. These findings contribute to the development of green finance literature in the Islamic finance sector and serve as a strategic reference for regulators and practitioners in implementing sustainable banking policies in the future.