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PENGARUH LIVE SHOPPING PENGARUH LIVE SHOPPING DAN REVIEW CONTENT CREATOR TERHADAP KEPUTUSAN PEMBELIAN MAHASISWA STIE NU TRATE GRESIK ILMIYAH, IZZATUL; Zainab
Jurnal Ekonomi dan Kewirausahaan Kreatif Vol 9 No 01 (2024): Juni
Publisher : Sekolah Tinggi Ilmu Ekonomi NU Trate Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59179/jek.v9i01.126

Riset ini bertujuan guna menguji dampak Live Shopping dan Review Contentcreator bagi keputusan pembelian. Objek penelitian ini adalah Mahasiswa/i STIENU Trate Gresik. Sebanyak 77 data didapatkan menggunakan metode kuesioner.Analisis data dilakukan dengan menggunakan aplikasi Statictical Package for theSocial Science (SPSS). Temuan yang didapat memperlihatkan bahwasanya LiveShopping dan Review Content creator berdampak positif bagi keputusanpembelian. Live Shopping berengaruh bagi keputusan pembelian dikarenakan didalam Live Shopping ada interaksi, penjelasan informasi, dan bisa menambahkepercayaan customer. Sedangkan didalam Review Content creator berisipenjelasan yang detail tentang produk yang diulas dan disajikan dalam bentukyang menarik. Hal tersebut yang bisa mempengaruhi keputusan pembeliancustomer.Kata Kunci: Live Shopping; Review Content Creator; Keputusan Pembelian

Analisis Fatwa DSN-MUI No. 137/DSN-MUI/IX/2020 tentang Sukuk dalam Perspektif Fiqih Muamalah Ilmiyah, Izzatul; Muiz, Abdul
Journal of Islamic Finance and Syariah Banking Vol. 1 No. 1 (2023): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v1i1.8

Sukuk are sharia securities (sharia securities) in the form of certificates or proof of ownership that have the same value and represent ownership of assets in the form of projects or investment activities after receipt of sukuk funds. The existence of sukuk in the modern era cannot be separated from the needs of companies or institutions that require capital. The legal basis for sukuk must be clear in order to avoid investments that are prohibited in Islam. Therefore, the permissibility of sukuk is contained in fatwa No. 137/DSN-MUI/IX/2020 concerning sukuk. The fatwa becomes the guidelines and rules for the provisions of Sukuk. The researcher uses the descriptive qualitative method, which is to describe the permissibility as well as the provisions and limitations related to Sukuk. The purpose of this research is to analyze the fatwa of DSN-MUI Number 137/DSN-MUI/IX/2020 according to fiqh rules. The results showed that fatwa No.137/DSN-MUI/IX/2020 was issued with the consideration that sukuk investment requires guidelines, provisions, and limitations in carrying out its activities.

Dimensi Operasional Internal dalam Pendirian Bank Syariah Indonesia (BSI) Ilmiyah, Izzatul
Journal of Islamic Finance and Syariah Banking Vol. 1 No. 1 (2023): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v1i1.9

Sharia banking is a system created with an alternative mindset, so it is intended to be different from other banks. This system is different not only in terms but also in terms of providing the best service and a sense of security to customers. Then, Bank Syariah Indonesia (BSI) was founded on February 1, 2021. Bank Syariah Indonesia (BSI) can be said to be the largest Sharia bank in Indonesia it was founded as a result of the merger of 3 (three) Sharia banks, namely BNI Syariah, Bank Syariah Mandiri, and BRI Syariah. The merger of these banks is intended to encourage larger Islamic banks to enter the global market. In this research, the researcher uses a library study approach, what is meant by library study itself is a relationship of actions related to procedures for combining library data, understanding and writing, and processing the object of study. The research results show that the internal operational dimension in the establishment of Bank Syariah Indonesia is the BSI organizational structure which consists of a president director, vice president director, wholesale & transactional banking, retail banking, distribution, information technology & operations, risk management & compliance, finance & Treasury, consumer business, operations, special asset management, human capital. BSI's own working mechanism refers to the GMS decision, namely regarding future work plans and accountability reports. BSI directors can carry out further operational steps and bank policies, as well as a fatwa issued by the DPS containing BSI products, the bank's operations and policies have received validity. and within BSI there are 2 (two) types of supervision, including internal supervision carried out by the board of commissioners, DPS, and directors. Furthermore, external supervision is carried out by BI (Bank Indonesia). Lastly, BSI's activities include marketing and operational activities.

Mekanisme Pembiayaan Mudharabah pada Usaha Mikro Kecil Menengah (UMKM) di BMT NU Cabang Senori Ilmiyah, Izzatul
Journal of Islamic Finance and Syariah Banking Vol. 1 No. 1 (2023): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v1i1.11

This research discusses "Financing Mechanisms Mudharabah in Micro, Small and Medium Enterprises (MSMEs) at BMT NU Senori Branch". The aim of this research is to determine the financing mechanism mudharabah on Micro, Small, and Medium Enterprises (MSMEs) at BMT NU Senori Branch and Financing Analysis mudharabah in Micro, Small, and Medium Enterprises (MSMEs) at BMT NU Senori Branch based on DSN-MUI fatwa No.07/DSN-MUI/VI/2000. In this research, researchers used qualitative research. The research results show that the financing mechanism mudharabah At the BMT NU Senori branch is carried out in various stages, starting from the application for financing by the customer to the final stage, namely the disbursement of the funds that will be brought by the customer. And financing analysis mudharabah in Micro, Small, and Medium Enterprises (MSMEs) at BMT NU Senori Branch based on the DSN-MUI fatwa No.07/DSN-MUI/VI/2000 shows that the financing applied at BMT NU is in accordance with what has been stipulated in the DSN-MUI fatwa. It's just that there is a slight difference, namely that the DSN-MUI fatwa stipulates "the length of time the business will be carried out, the procedures for withdrawing funds, and the percentage for sharing profits agreed upon by both parties (BMT and the business manager)" whereas in reality at the BMT NU Senori branch, financing mudharabah provided by BMT NU to its customers or members, in this case including business actors, regarding the procedures for withdrawing funds determined by BMT in accordance with the ceiling size and characteristics of the financing proposed by prospective customers.

Kepatuhan Syariah pada Restrukturisasi Sukuk: Analisis dan Implikasi Ilmiyah, Izzatul; Rosyidah, Irma; Mujib, Muhammad Abdul
Journal of Islamic Finance and Syariah Banking Vol. 1 No. 2 (2024): April
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v1i2.20

One of the sharia financial instruments is sukuk which has the role of ownership of an asset, for this reason, sharia compliance plays an important role in discussing sharia compliance in the context of sukuk restructuring. This role is important because if there is a change in the conditions of the sukuk, the rights and obligations of holding the sukuk itself will be affected. This research uses a type of library research through theoretical, conceptual, and exploratory studies, and discussion of plans. The research results show that Sharia compliance ensures that sukuk restructuring must lead to sharia principles. Compliance is the foundation that ensures sukuk restructuring continues to run in accordance with guidelines maintains trust for investors and ensures the sustainability of the sharia financial industry. The implications of Sharia compliance on sukuk restructuring are Sharia compliance on sukuk investment, securities crowdfunding, the role of technology on crowdfunding platforms, education, and research.

Pengaruh Pembiayaan bagi Hasil terhadap Profitabilitas Unit Usaha Syariah (UUS) di Indonesia Mujib, Muhamad; Ilmiyah, Izzatul
Journal of Islamic Finance and Syariah Banking Vol. 1 No. 2 (2024): April
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v1i2.21

This research aims to see the correlation and influence of profit-sharing financing on the profitability of Sharia Business Units (UUS) in Indonesia. The dependent variable in this Research is Return on Assets (ROA), while mudharabah and musyarakah financing are the independent variables. This research uses secondary data obtained from Sharia banking statistics, which are accessed via the Otoritas Jasa Keuangan (OJK) website. The data analysis technique used in the research is ordinary least squares (OLS). The results of this research show that mudharabah and musyarakah financing simultaneously (as a whole) have no effect on ROA. This is proven by the prob (F-statistic) value of 0.088620. The partial test results (t-test) show that mudharabah financing has a probability value of 0.3157, which makes mudharabah financing have no effect on ROA. Meanwhile, musyarakah financing has a probability value of 0.0353, so musyarakah financing has a significant influence on ROA.

Manajemen Operasional Masjid Namira Lamongan sebagai Aset Wakaf Ilmiyah, Izzatul; Zaman, Badaruz
Journal of Islamic Finance and Syariah Banking Vol. 2 No. 1 (2024): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v2i1.53

The research entitled "Operational Management of the Namira Lamongan Mosque as a Waqf Asset" is the result of qualitative research that aims to answer the question of how Naẓir's strategy in operational management is implemented at the Namira Mosque as a waqf asset in the form of a mosque to make the mosque prosperous. and what impact the implementation of operational management will have on the congregation and community. The research results show that the naẓir strategy in operational management implemented by the taker of the Namira Mosque is modern mosque operational management which is implemented through three areas, namely Idarah, Imarah, and Ri'yah. Idarah is the function of mosque management, which is related to all mosque operational activities. Imarah is the function of prospering the mosque as the function of the mosque is the function of worship, and Ri'yah is the function of maintaining the mosque's assets. Namira Mosque is one of the mosques that has various programs for its congregation, guaranteed cleanliness, and good facilities, thereby increasing comfort in worship. Therefore, the Namira Mosque is always busy with visitors, of course, this cannot be separated from how the mosque takmir manages the assets of the Namira Mosque so that the benefits can be felt by the congregation directly. The impact of implementing the Nazir strategy in operational management can be felt directly by the congregation through the various facilities and programs available at the Namira Mosque. The suggestion for future researchers is to research more deeply regarding the operational management of waqf assets, especially waqf assets in the form of mosques. Because many mosques still have waqf status but do not have a modern mosque management system for managing their waqf assets, the function of the mosque cannot be carried out optimally.

Analisis Keterlibatan Dosen dalam Program Tabungan Haji Berbasis Potongan Gaji di Bank Syariah Indonesia Ilmiyah, Izzatul
Journal of Islamic Finance and Syariah Banking Vol. 2 No. 2 (2025): April
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v2i2.73

This study aims to analyze the involvement of lecturers in the salary-deduction-based hajj savings program at Bank Syariah Indonesia (BSI), with a case study at the Islamic College (STAI) Senori Tuban. This program is designed to help employees, especially lecturers, in planning the hajj pilgrimage through an automatic monthly salary deduction scheme. This study uses a qualitative approach with a case study method, where data is obtained through in-depth interviews, direct observation, and relevant documentation. The research subjects consisted of lecturers who participated in the program, lecturers who had not participated in the program, and campus officials involved in financial administration. The results of the study indicate that the level of lecturer involvement in this program is still relatively low. The main driving factors for lecturer involvement are religious motivation and the ease of the autodebit system which makes it easy for them to save in a disciplined manner without having to make manual deposits. However, there are a number of inhibiting factors, such as financial limitations faced by most lecturers, especially those with contract or honorary status, and low sharia financial literacy which causes a lack of understanding of the contract mechanism in the hajj savings program. This study recommends strategies to increase participation through incentives, socialization and education of Islamic finance, and flexibility in determining the amount of salary deductions. Thus, it is expected that lecturers' participation in this program can increase, along with strengthening Islamic financial planning in the Islamic education environment. These findings can also be a reference for other institutions in implementing similar programs to support the spiritual and economic welfare of educators

Determinasi Keberhasilan Kinerja Berbasis Strategi Unggul BMT UAS Kantor Cabang Bangilan sebagai Kantor Terbaik Tahun 2024 Ilmiyah, Izzatul
Journal of Islamic Finance and Syariah Banking Vol. 3 No. 1 (2025): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v3i1.118

The growth of Islamic microfinance institutions in Indonesia has significantly contributed to expanding access to Islamic-based finance. However, amidst digital transformation and competition from modern financial institutions, many Baitul Maal wat Tamwil (BMT) face serious challenges in maintaining their performance and sustainability. The urgency of this research lies in the importance of understanding the determinants of BMT performance success through the implementation of superior strategies that adapt to the social and economic dynamics of the community. This study aims to analyze the determinants of successful performance based on superior strategies at BMT UAS Bangilan Branch, which was awarded the title of best office in 2024. This research used a qualitative approach with a case study design. Data were collected through in-depth interviews, observation, and documentation, then analyzed using the Miles and Huberman interactive model. The results indicate that the success of BMT UAS Bangilan Branch is determined by the synergy between human resource development, digital technology utilization, Sharia product innovation, promotional strategies, and member services that are responsive to community needs. Supporting factors such as community trust and central management support strengthen this strategy, while limited technological infrastructure and digital literacy pose major challenges. This research provides academic contributions to the literature on Islamic value-based strategic management as well as practical recommendations for strengthening BMT governance in Indonesia.

Analisis Tabungan Pendidikan Syari’ah sebagai Instrument Perencanaan Keuangan Keluarga Ilmiyah, Izzatul; Istingadah, Istingadah
Journal of Islamic Finance and Syariah Banking Vol. 3 No. 1 (2025): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v3i1.120

The rising cost of education poses a significant challenge for families in maintaining financial stability, particularly amid fluctuating economic conditions. For Muslim families, financial planning must not only consider economic aspects but also comply with Islamic principles. Sharia-based education savings emerge as a solution to support long-term financial planning for children’s education in alignment with Islamic values. This study aims to analyze the effectiveness and contribution of Sharia education savings as a financial planning instrument for Muslim families, as well as to evaluate the application of Sharia principles in such products. A qualitative approach was employed using library research methods, with data collected from various sources, including books, scholarly journals, DSN-MUI fatwas, and official documents from Islamic financial institutions. The data were analyzed using content analysis with a descriptive analytical approach. The findings reveal that Sharia education savings can serve as an effective financial instrument for Muslim families in preparing education funds in a systematic and Sharia-compliant manner. The product emphasizes transparency in contracts and avoids elements of riba (interest), gharar (uncertainty), and maysir (speculation). However, challenges remain, particularly in the form of low Sharia financial literacy and limited public understanding of the product’s benefits.

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