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All Journal EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam JURNAL LENTERA : Kajian Keagamaan, Keilmuan dan Teknologi Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Dirosat : Journal of Islamic Studies al-Afkar, Journal For Islamic Studies FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Reflektika Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah GOVERNANCE: Jurnal Ilmiah Kajian Politik Lokal dan Pembangunan Maharot : Journal of Islamic Education Assyarikah : Journal of Islamic Economic Business Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Bayan lin-Naas : Jurnal Dakwah Islam Jurnal Ekonomika dan Bisnis Islam Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Community: Jurnal Hasil Penelitian dan Pengabdian Masyarakat AB-JOIEC: Al-Bahjah Journal of Islamic Economics Iqtishodiah: Jurnal Ekonomi dan Perbankan Syariah Bayan lin-Naas : Jurnal Dakwah Islam Assyarikah: Journal Of Islamic Economic Business Jurnal Perbankan Syariah Maharot : Journal of Islamic Education Jurnal Ekonomi, Bisnis dan Manajemen Journal Pesona Indonesia Reflektika
Mujibno, Mujibno
Universitas Al-Amien Prenduan
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Pengaruh Perubahan Harga Emas Dan Nilai Tukar Rupiah Terhadap Profitabilitas ROA Bank Syariah Indonesia Azimah, Asfiyatul; Mujibno, Mujibno
Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Vol 5 No 2 (2025): Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) - September 2025
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/jimpa.v5i2.672

Abstract

Penelitian ini dilatarbelakangi oleh isu fluktuasi harga emas dan nilai tukar Rupiah yang berpotensi memengaruhi profitabilitas Bank Syariah Indonesia. Hal ini menjadi penting karena bank syariah memiliki keterkaitan erat dengan produk keuangan berbasis emas dan transaksi yang berkaitan dengan mata uang asing. Tujuan utama dalam penelitian ini yaitu menganalisis sejauh mana dua variabel tersebut memengaruhi profitabilitas Bank Syariah Indonesia selama periode 2018-2023, yang diukur menggunakan indikator Return On Asset (ROA). Metode yang digunakan adalah pendekatan kuantitatif dengan analisis regresi berganda menggunakan SPSS 20. Data yang dianalisis berupa data sekunder berupa laporan keuangan triwulan Bank Syariah Indonesia, harga emas, dan nilai tukar rupiah terhadap dolar AS. Hasil penelitian menunjukkan bahwa fluktuasi harga emas berpengaruh positif dan signifikan terhadap ROA. Sebaliknya, nilai tukar rupiah memiliki pengaruh positif tidak signifikan terhdap ROA. Namun secara simultan, keduanya tidak berpengaruh signifikan terhadap profitabilitas ROA Bank Syariah Indonesia. Secara teoritis penilitian ini diharapkan dapat memperkaya literatur tentang faktor eksternal makroekonomi yang memengaruhi profitabilitas Bank Syariah Indonesia. Sedangkan secara praktis, diharapkan dapat menjadi acuan bagi BSI dalam merumuskan strategi mitigasi risiko harga emas, serta membantu para investor dan regulator dalam memahami faktor-faktor yang memengaruhi kinerja keungan bank syariah
KOMPENSASI DAN TUNJANGAN DALAM PERSPEKTIF MANAJEMEN SYARIAH: UPAYA MENINGKATKAN KEADILAN Riski, Wesiur; Maulana, Ilham; Mujibno, Mujibno
AB-JOIEC: Al-Bahjah Journal of Islamic Economics Vol. 1 No. 2 (2023): AB-JOIEC
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61553/abjoiec.v1i2.35

Abstract

Artikel ini membahas tentang penggunaan prinsip-prinsip syariah dalam konteks kompensasi dan tunjangan kepada karyawan dengan menyoroti potensi signifikan yang mereka miliki untuk mengembangkan bisnis yang berkelanjutan. Prinsip syariah, berfokus pada keadilan, transparansi, dan nilai-nilai etika Islam sehingga perusahaan dapat menemukan peluang luas dalam pasar yang semakin sadar akan nilai-nilai etis. Praktik bisnis yang sesuai dengan manajemen syariah tidak hanya memenuhi standar etis, namun juga menjadi landasan strategis yang mampu menghasilkan keunggulan bisnis. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan studi pustaka, yakni dengan menganalisis data-data primer dan sekunder seperti jurnal, buku atau sumber lain yang dibutuhkan untuk menghasilkan sintesis pemikiran. Hasilnya, penerapan manajemen kompensasi dan tunjangan kepada karyawan dengan memerhatikan prinsip-prinsip Islam, dapat menghadirkan keadilan dalam hubungan pemberi kerja dan pekerja, dengan begitu, tidak ada satu pihak yang akan dirugikan dalam proses operasional perusahaan. Pekerja mendapatkan hak setimpal dengan kerja kerasnya dan pemberi kerja juga dapat mendapatkan kinerja yang lebih baik dari pekerjanya.
KAJIAN STRATEGI PEMASARAN ISLAM: STUDI TABUNGAN iB HIJRAH HAJI PADA BANK MUAMALAT KCP. SUMENEP mujibno, mujibno; Octira, Mila; Ghoni, Abd.
Reflektika Vol 16, No 2 (2021)
Publisher : Universitas Al-Amien Prenduan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/reflektika.v16i2.901

Abstract

Bank Muamalat KCP Sumenep is the first sub-branch office to be pioneered on Madura Island, the sharia marketing strategy has become the basis for its growth, it has been proven that there are many products, both savings, deposits and financing, with a total number of customers reaching 7,000 to date. The iB Hijrah Hajj Savings is one of the idol products for customers who wish to perform Hajj. The researcher describes the Islamic marketing strategy used by Bank Muamalat KCP Sumenep in increasing the number of customers of the iB hijrah haji savings product, and describes the obstacles that occur in marketing the iB hijrah haji savings product. This study uses a qualitative descriptive method. Sources of data obtained from primary data and secondary data with observation techniques, interviews and documentation. The data analysis technique used is data reduction, data presentation and conclusion drawing, using data triangulation. The results of this study explain that the Islamic marketing strategy in increasing the number of customers of the iB Hijrah Haji Savings Product of Bank Muamalat KCP Sumenep uses a promotion strategy and marketing mix with the performance of Siddiq and Amanah traits taught by Rasulullah. Optimization of segmenting, targeting and positioning becomes a driving force in every product. The obstacles faced were the high level of competition, the co-19 pandemic, and the lack of technological knowledge from customers. Therefore, the existence of an Islamic marketing strategy spurred a sense of enthusiasm on the part of the Muamalat KCP bank. Sumenp to continue to provide the latest innovations so that the products they have remain the choice of customers.
HARMONIZING ISLAMIC VALUES WITH TECHNOLOGICAL ADVANCEMENTS FOR SELF-DEVELOPMENT Ramadhan, Yusfar; Asykur, Asykur; Ali, Ahmad Zulfikar; Mujibno, Mujibno
Reflektika Vol 18, No 2 (2023)
Publisher : Universitas Al-Amien Prenduan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/reflektika.v18i2.1463

Abstract

The development of learning innovation in the era of "Industrial Revolution 4.0" will be closely related to educational technology. Both of them can be harmonized into Islamic values. One of them is that learning online or better known as online is something that must be done in the midst of the Covid 19 outbreak. However, many teaching staff are not yet ready, due to the phenomenon of being technologically illiterate or technologically illiterate. Educators who are technologically clueless can reduce the level of professional credibility in front of their students so that students sometimes tend to underestimate them. It can be seen that here lies the harmonization of Islamic values. Considering that students are more familiar with the world of technology and communication because it has become a nutritional intake in gaining knowledge. This phenomenon often occurs around us, including being found at one of the MTs educational institutions. Al-Irsyadiyah, whose address is Dermowebang Village, Sarirejo District, Lamongan Regency, there are several teachers who are said to still be technologically deficient in their learning. So it is still lacking in implementing Islamic values. Therefore, the focus point in this research is how teachers carry out the online learning process, especially for those who are technologically clueless and what impact this has on student learning outcomes and harmonization of Islamic values. With this article, the author hopes that inspiration and solutions will grow for teachers who experience the same problems. 
AN ISLAMIC PERSPECTIVE ON THE FILM “ASSALAMU’ALAIKUM BEIJING ”: A STUDY IN ENGLISH LITERATURE Hidayat, Tawvicky; Mujibno, Mujibno; Anam, Saiful
Reflektika Vol 20, No 1 (2025)
Publisher : Universitas Al-Amien Prenduan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/reflektika.v20i1.2231

Abstract

This study aims to explore the film "Assalamualaikum Beijing" from an Islamic perspective using a literature review approach. The film, adapted from a novel by Asma Nadia, is directed by Guntur Soeharjanto and tells the story of a love affair between two people. The main focus of this study is to uncover the representation of Islamic teachings, including aspects of faith, morality, Islamic brotherhood, and the spirit of seeking knowledge. The method used is content analysis, examining Islamic themes reflected in the storyline, dialogue between characters, and character portrayals. The analysis shows that the film consistently displays Islamic values, particularly in promoting the importance of education, spiritual development, and social relations. Furthermore, the film successfully conveys a universal Islamic message that remains relevant in the context of contemporary life. This research is expected to enrich the study of Islam in popular media and serve as a reference for similar research in the future. 
THE INFLUENCE OF PROFIT SHARING RATIO ON NUMBER OF MUSYARAKAH FINANCING CUSTOMERS (Case Study PT. BPRS Bhakti Sumekar) mujibno, mujibno; Ikawati, Ikawati
Reflektika Vol 15, No 2 (2020)
Publisher : Universitas Al-Amien Prenduan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/reflektika.v15i2.894

Abstract

The purpose of this study was to determine whether or not there is an influence given by the profit sharing ratio on the number of  musharaka financing customers. The results of this study indicate the profit-sharing ratio variable with a significance value of 0.000 <0.05, which means that the independent variable has a positive effect on the dependent variable and Tcount (5.343) > from Ttable (2.03452), so it can be concluded partially (t-test) there is a significant positive effect. from the profit-sharing ratio to the number of musyarakah financing customers and based on the results of the coefficient of determination (R2), a value of 0.456 is obtained, which means the effect of the profit-sharing ratio on the number of musyarakah financing customers is 45.6%, while 54.4% is influenced by other factors
ANALISIS PERAN DIGITALISASI PERBANKAN (BBS MOBILE) DALAM MENINGKATKAN MINAT NASABAH PADA TABUNGAN BAROKAH (Studi BPRS Bhakti Sumekar KCP Saronggi) Astuti, Milla; Mujibno, Mujibno
FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Vol 8, No 2 (2025): NOVEMBER
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/jf.v8i2.2810

Abstract

Penelitian ini akan menunjukkan tentang Bagaimana analisis peran digitalisasi perbankan (BBS Mobile) serta tantangan BBS Mobile dalam meningkatkan minat nasabah pada tabungan barokah di Bank BPRS Sumekar KCP Saronggi. Pendekatan yang digunakan dalam penelitian ini adalah pendekatan kualitatif dengan jenis fenomenologis. Sumber data pada penelitian ini yaitu wawancara, observasi dan dokumentasi. Analisis data pada penelitian ini yaitu Reduksi data, penyajian data dan penarikan kesimpulan. Hasil penelitian ini mengatakan bahwa hadirnya BBS Mobile membantu nasabah dalam melakukan transaksi, namun tidak memberikan pengaruh besar minat nasabah dalam menggunakan  BBS Mobile. Nasabah mendapatkan pelayanan lebih cepat dan tidak berbelit-belit serta lebih responsif dalam menanggapi setiap keluhan  dan masalah yang dihadapi oleh nasabah. Layanan BBS mobile terbukti dapat mempengaruhi minat nasabah ialah ditunjukkan dengan persentase peningkatan jumlah nasabah tabungan barokah pada tahun 2022 sebesar 3% dibandingkan tahun 2021. Akan tetapi ada faktor yang menjadi hambatan bagi nasabah Tabungan Barokah terutama pada saat terjadinya masalah pada server di tengah-tengah transaksi sehingga uang tidak bisa keluar dari mesin ATM sedangkan saldo rekening berkurang)Kata Kunci : Digitalisasi Perbankan, BBS Mobile, BPRS Bhakti Sumekar
IMPLEMENTASI KREDIT USAHA RAKYAT (KUR) DALAM PENINGKATAN PENDAPATAN UMKM (Studi pada Bank BSI KCP Sumenep) Ahmad Zaki Fuadi; Mujibno, Mujibno
GOVERNANCE: Jurnal Ilmiah Kajian Politik Lokal dan Pembangunan Vol. 13 No. 1 (2026): 2026 Januari
Publisher : Lembaga Kajian Ilmu Sosial dan Politik (LKISPOL)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56015/gjikplp.v13i1.660

Abstract

This study aims to analyze the implementation of the People’s Business Credit (KUR) at Bank Syariah Indonesia (BSI) KCP Sumenep and its impact on increasing the income of micro, small, and medium enterprises (UMKM). BSI was appointed by the government as the KUR distributor in 2023, offering KUR Super Micro, KUR Micro, and KUR Small programs using the murabaḥah contract with a 6% margin, providing financing from 1 million to 500 million rupiah. This study employs a qualitative method, with primary and secondary data collected through interviews, observations, and documentation, and analyzed using data reduction, data presentation, and conclusion drawing. Data validity is ensured through triangulation techniques. The results indicate that KUR implementation at BSI KCP Sumenep is carried out through working capital and investment financing for businesses that have been operating for at least six months with good collectibility. Factors contributing to increased income include the entrepreneur’s ability, market conditions, capital, organizational structure, and advertising. The study concludes that KUR serves as an important instrument in supporting UMKM growth by enhancing access to capital and business capabilities.
The Effect of NPF and ROA on Capital Buffer with CAR as a Moderating Variable in Indonesian Islamic Banking Mujibno Mujibno; Luthfiyah Luthfiyah
al-Afkar, Journal For Islamic Studies Vol. 9 No. 2 (2026)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v9i2.2210

Abstract

Banks serve as financial intermediaries that connect parties with surplus funds to those in need of financing. The soundness of a bank is influenced by capital adequacy, which is measured through the Capital Adequacy Ratio (CAR). One key aspect in maintaining capital resilience is the capital buffer, which functions as a reserve to absorb financial risks. However, Islamic banking in Indonesia faces challenges such as high Non-Performing Financing (NPF) levels and low Return on Assets (ROA), both of which have the potential to erode the capital buffer and threaten financial stability. This phenomenon is evident in the case of PT Bank Muamalat Indonesia Tbk, which experienced a 37% decline in net profit in 2017 due to rising NPF and declining profit-sharing income. This study aims to analyze: (1) the effect of NPF on the capital buffer, (2) the effect of ROA on the capital buffer, and (3) the moderating role of CAR in the relationship between NPF and ROA on the capital buffer. This research utilizes secondary data from the financial reports of Islamic banks for the period 2015–2022. Data analysis was conducted using panel data regression and Moderated Regression Analysis (MRA). The results show that, partially, NPF has a negative and significant effect on the capital buffer, with a probability value of 0.013 (< 0.05), indicating that an increase in non-performing financing weakens the bank’s capital capacity. Conversely, ROA exhibits a negative but insignificant effect on the capital buffer, with a probability value of 0.098 (> 0.05), suggesting that profitability efficiency does not directly strengthen the bank's capital reserve. Moderation testing shows that CAR does not moderate the effect of either NPF or ROA on the capital buffer, as indicated by the interaction probability values of 0.9184 and 0.9237 respectively (> 0.05). These findings imply that credit risk and profitability management are more strongly influenced by the bank’s internal policies than by CAR as a structural moderating variable. Therefore, effective NPF management and profit utilization strategies should become key priorities in maintaining the capital stability of Islamic banks.
The Influence of Marketing Mix in Increasing Sales of Bariklana Bakery Products at Kopontren Al Amien Prenduan Mujibno Mujibno; Aidil Aminah
Community: Jurnal Hasil Penelitian dan Pengabdian Masyarakat Vol. 5 No. 1 (2026): Jurnal Hasil Penelitian
Publisher : Perkumpulan Dosen Tarbiyah Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/community.v5i1.181

Abstract

This study aims to analyze the influence of the marketing mix—comprising product, price, place, and promotion—on the sales of Bariklana Bakery products at Kopontren Al-Amien Prenduan, both partially and simultaneously, as well as to identify the most dominant variables influencing sales. This study employs an associative quantitative approach using a data collection technique involving the distribution of questionnaires to 159 respondents who are consumers. The data analysis method used is multiple linear regression with the assistance of IBM SPSS software. The results indicate that, individually, the product, price, and place variables have a positive and significant effect on sales, with significance values of 0.000 < 0.05; 0.046 < 0.05; and 0.000 < 0.05, respectively, while the promotion variable does not have a significant effect with a value of 0.518 > 0.05. Simultaneously, all marketing mix variables significantly influence sales, contributing 55.7%, while the remaining 44.3% is influenced by other factors outside the research model. The product variable is the most dominant factor influencing sales, with a standardized coefficient of 0.351. These findings indicate that optimizing product quality is the key to increasing sales at Bariklana Bakery.
Co-Authors Abd. Ghoni Abdul Wahid Abdullah Muhammady Agus Sugiardi Ahmad Zaki Fuadi Aidil Aminah Alfani Mubarak Amiruddin Amiruddin Amiruddin Amiruddin Anisa Farah Ardy Astik, Mamik Astik Wardasari Astuti, Milla Asykur, Asykur Azimah, Asfiyatul Baidawi Baidawi Eko Priyojadmiko Faizah Fauziyah Faizah, Maftuhatul Fauli Majdi, Zulha Ghoni, Abd. Holilur Rahman Idha Suhartatik Ikawati Ikawati Ikawati Ikawati Ikawati, Ikawati Ilham Maulana Imam Buchari, Imam Labibah Luthfiyah Luthfiyah Mila Octira Mizatina, Helya Aufin Moh. Helmi Hidayat Muhammad Samsul Solihin Saleh Nadhirah, Afifah Najabah, Rif’atin Nina Kurniawati Octira, Mila Rafiqi, Iqbal Ramadhan, Yusfar Riski, Wesiur Riskiana Elina Ryan Aidil Hakim Saiful Anam Sasi Rohmah Awalia Supriyadi Susi Indriyani Turmidi, Turmidi Ulfa Nur Sakinah Ummi Kulsum Zaid Raya Argantara Zainal Abidin Zulfikar Ali Ahmad