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All Journal ANTHROPOS: JURNAL ANTROPOLOGI SOSIAL DAN BUDAYA (JOURNAL OF SOCIAL AND CULTURAL ANTHROPOLOGY) E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Wahana Islamika: Jurnal Studi Keislaman Isti`dal : Jurnal Studi Hukum Islam ISOQUANT : Jurnal Ekonomi, Manajemen dan Akuntansi YUME : Journal of Management FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN IJoASER (International Journal on Advanced Science, Education, and Religion) Jurnal Tabarru': Islamic Banking and Finance Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Wahana: Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Ecoment Global: Kajian Bisnis dan Manajemen Al-Kharaj: Journal of Islamic Economic and Business Rayah Al Islam : Jurnal Ilmu Islam Al Iman: Jurnal Keislaman dan Kemasyarakatan Jurnal Revenue : Jurnal Ilmiah Akuntansi Indonesian Journal of Social Research (IJSR) Neraca Al-Sharf: Jurnal Ekonomi Islam An-Nisbah : Jurnal Perbankan Syariah Jurnal Ekonomi Syariah Pelita Bangsa Jurnal Manajemen dan Profesional Khidmatan Bulletin of Community Engagement Jurnal Iqtisaduna Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Akuntansi'45 EKONOMIKA45 Jurnal Al-Qiyam Jurnal Tana Mana JASNA : Journal For Aswaja Studies Wadiah : Jurnal Perbankan Syariah CONSEN: Indonesian Journal of Community Services and Engagement Jurnal Perbankan Syariah Darussalam (JPSDa) J-ABDIPAMAS (Jurnal Pengabdian Kepada Masyarakat) Indo-Fintech Intellectuals: Journal of Economics and Business Wahana Islamika: Jurnal Studi Keislaman RESLAJ: Religion Education Social Laa Roiba Journal Profetik: Jurnal Pengabdian Masyarakat Horizon: Indonesian Journal of Multidisciplinary Sharef: Journal of Sharia Economics and Finance al-Balagh : Jurnal Dakwah dan Komunikasi Jurnal Ekonomi, Bisnis dan Manajemen Jurnal Cendekia Ilmiah Jurnal Ekonomi, Manajemen, Akuntansi ANTHOR: Education and Learning Journal Al Iman: Jurnal Keislaman dan Kemasyarakatan Khidmatan Wahana Islamika; Jurnal Studi Keislaman Rayah Al-Islam : Jurnal Ilmu Islam
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Implementation of Rescheduling as an Effort to Rescue Non Performing Financing in Rahn Tasjily Contracts at BMT Al Hikmah Eri Susanti; Miswan Ansori
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 3 No. 6: September 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v3i6.4872

Abstract

Distribution of financing to members even though it has passed the 5 C analysis (Character, Capacity, Collateral, Capital, Condition) does not eliminate the possibility of problematic financing. BMT Al Hikmah's efforts to rescue problematic financing through non-litigation and litigation channels. This research examines financing settlement using a non-litigation process, namely, the mechanism for rescheduling problematic financing with the rahn tasjily agreement at BMT Al Hikmah as well as examples of cases of implementing rescheduling. The type of research used is by conducting research directly in the field (field research). Data collection techniques include interviews, collecting documents needed to dig up information, and direct observation. The data analysis technique is descriptive qualitative. The analysis results show that rescheduling provides relief to members by extending the payment period, with the aim that members can still pay their financial obligations without excessive pressure by considering members' income and abilities. The rescheduling process involves two mechanisms, namely by members who have good faith by visiting BMT Al Hikmah to carry out rescheduling and the second method is by the Account Officer (AO) when members do not have good faith, by visiting members directly to offer financing settlement options by rescheduling . This research also explains a concrete example that provides an overview of how rescheduling is implemented in practice.
Peran Lembaga Keuangan Mikro Syariah dalam Meningkatkan Perekonomian Masyarakat di Desa Tahunan M.Fajar Aditya; Miswan Ansori; Ahmad Fauzan Mubarok
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 2: Januari 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i2.6101

Abstract

Penelitian ini menganalisis peran Lembaga Keuangan Mikro Syariah (LKMS) dalam meningkatkan perekonomian masyarakat di Desa Tahunan. LKMS menyediakan pembiayaan berbasis prinsip syariah yang bebas bunga bagi pelaku usaha mikro, kecil, dan menengah (UMKM) serta petani, sehingga memungkinkan mereka memperluas usaha tanpa beban bunga yang tinggi. Penelitian ini menggunakan pendekatan kualitatif dengan metode wawancara dan observasi terhadap 10 pengusaha lokal. Hasil penelitian menunjukkan bahwa pembiayaan syariah yang diberikan LKMS membantu peningkatan produksi, memperluas akses pasar, dan membuka lapangan kerja baru. Selain itu, program pendampingan yang mencakup pelatihan manajemen keuangan dan pemasaran turut meningkatkan kapasitas usaha para pengusaha lokal. Secara keseluruhan, kehadiran LKMS memberikan dampak positif pada ekonomi masyarakat, meningkatkan kesejahteraan, dan mendorong inklusi keuangan di daerah pedesaan.
Analisis Preferensi dan Pengalaman Pengguna Terhadap Inovasi Layanan Cicil Emas di BSI KCP Jepara Guna Merumuskan Strategi Peningkatan Kualitas Layanan Febriana Nashwa, Nurmaila; ansori, miswan; Choeri, Imron
HORIZON: Indonesian Journal of Multidisciplinary Vol. 4 No. 4 (2026): HORIZON: Indonesian Journal of Multidisciplinary (In-Press)
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/hijm.v4i4.6827

Abstract

This study aims to analyze user preferences and experiences regarding the Gold Installment service innovation at Bank Syariah Indonesia (BSI) Jepara Branch Office as a basis for formulating a service quality improvement strategy. The study used a qualitative descriptive approach with a field research method. Research informants consisted of bank management and customers who use the Gold Installment service. Data were collected through observation, in-depth interviews, and documentation, then analyzed using an interactive model that includes data reduction, data presentation, and drawing and verifying conclusions. The results show that customer preferences in choosing the Gold Installment service are influenced by trust in the sharia label and murabahah contract as well as consideration of brand strength. Most customers tend to choose Antam Gold over BSI Gold because they consider liquidity and ease of transactions. From a user experience aspect, the BYOND by BSI digital application is considered to provide easy access to services, although there are still technical obstacles and limited education about the product. Based on these findings, the service quality improvement strategy is directed at optimizing digital features, strengthening product education, and accelerating the service process structurally.
Analisis Persepsi Nasabah Terhadap Produk Tabungan Perencanaan Berjangka Syariah (TAPENAS) di BSI KCP Jepara Alfiyah, Qodriyatul; Ansori, Miswan; Mubarok, Ahmad Fauzan
HORIZON: Indonesian Journal of Multidisciplinary Vol. 4 No. 4 (2026): HORIZON: Indonesian Journal of Multidisciplinary (In-Press)
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/hijm.v4i4.6828

Abstract

The Sharia Term Savings Planning (Tapenas) product is a term savings service that helps customers prepare for future financial needs based on sharia principles. This study aims to analyze customer perceptions of the Tapenas product at BSI KCP Jepara and identify factors that influence these perceptions. This study uses a qualitative descriptive approach with a field research method. Data were collected through interviews, observations, and documentation of informants selected using a purposive sampling technique. Data analysis was carried out through the stages of data reduction, data presentation, and conclusion drawing. The results show that customers have a positive perception of the Tapenas product because it is considered to support long-term financial planning, provide a sense of security in fund management, and is in accordance with sharia principles. This perception is influenced by customer knowledge of the product, service quality, promotions, user experience, and level of trust in the bank. These findings suggest that strengthening product education and more informative marketing communications are needed to increase public understanding and interest in sharia-based term savings products
Analisis Strategi Penghimpunan Dana melalui Skema Dual Reward (Pasti dan Undian) pada Produk Simpanan VIP di BMT Mitra Muamalah Jepara Yugesh Aldebaran; Ahmad Fauzan Mubarok; Miswan Ansori
ANTHOR: Education and Learning Journal Vol 5 No 4 (2026): Anthor 2026
Publisher : Institut Teknologi Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/anthor.v5i4.1123

Abstract

Penelitian ini menganalisis strategi penghimpunan dana pada produk Simpanan VIP Berjangka BMT Mitra Muamalah Jepara melalui skema dual reward yang terdiri atas hadiah pasti dan hadiah undian. Penelitian dirancang menggunakan pendekatan kualitatif dengan studi kasus, sedangkan data diperoleh melalui wawancara semi-terstruktur, observasi, dan dokumentasi. Hasil penelitian disajikan dari analisis wawancara yang menunjukkan bahwa strategi penghimpunan dana dibangun melalui lima unsur yang saling menguatkan, yaitu segmentasi selektif terhadap anggota lama dan calon anggota bernilai tinggi, proposisi nilai yang memadukan kepastian dan daya tarik emosional, personal selling dan relationship marketing yang intensif, transparansi akad serta sumber hadiah, dan layanan purnajual yang berkelanjutan. Hadiah pasti berpotensi menurunkan persepsi ketidakpastian, sedangkan undian menciptakan daya tarik tambahan. Kendala yang diperkirakan muncul mencakup jangkauan pasar yang terbatas, kesalahpahaman terhadap akad syariah, keraguan mengenai mekanisme undian, biaya program, dan ketergantungan pada kemampuan petugas pemasaran. Penelitian mengusulkan strategi terpadu berupa standardisasi informasi produk, penguatan pemasaran digital, program referal, pengelolaan hubungan anggota berbasis data, dan evaluasi kepatuhan syariah secara berkala.
Co-Authors aan wahyudin Abdul Djamil Abdulloh Yusuf, Ahmad Aditya, M.Fajar Ady Riyansyah Ahmad Aris Ahmad Fauzan Mubarak Ahmad Fauzan Mubarok Ahmad Saefudin Ahmad Septian Eka Setiawan Ahyadatul Khoiriyah Aisyah Aisyah Alfiyah, Qodriyatul Amalia, Lutfi Nur Amaliya, Feny Nor Andika Febrian Pratama Anggraini, Nur Ai'sah Anggraini Anggun Anggraini Aniqotun Zukhanid Arida Risqiana Arif Mustofa, Nur Asror, Khozinatul Ayuk Widiyah Bahtiar, Siti Budi Utami, Cahyaning Budi, Eka Setya Cahyaning Budi Utami Desi Tarwinanti Dewi Saputri, Oktaviana Dias Prihatmoko Diassyahma, Feriza Divani Nuril Khaqiqi Dwi Arini, Rina Eka Fitri Nor Faizah, Natasya Eki Dwi Septiani Eri Susanti Erna Wijayanti Fadia Risqi Dwiyanti Faiqul Hazmi Faridlotun Nimah Faristania, Reza Anida Farizki, Indhona Lukman Fatjri Rohman Febriana Nashwa, Nurmaila Febrina Eka Zunita feriza FINA FELIA PRAMUDITA Fitriyani, Yeny Hasanuddin, Ahmad Hasyim HS, Ahmad Fuad Hazmi, Faiqul Henny Ishalia Pratiwi Husein, Nirmala Amelia Ika Wahyu Purnama Ilham, Mohammad Imron Choeri Indrawati, Apriliyani Zunita Irfana, Naila Iskandar, Arip Dwi Karisma Alfiyati, Devi Khoiriyah, Ahyadatul Kumalasari, Nureza Ayu Kusuma, Dewa Linda listiyani Listianingrum, Lailiya M. Azrul Aditya Saputra M.Fajar Aditya Maryono Maryono Maula Ristya Maulidya Berliana Rahmawati Mubarak, Ahmad Fauzan Mubarok, Ahmad Fauzan Muchammad Muchammad Mufidah Lu’lu’ah Muhammad Ichsan syarifudin Muhammad Junaidi Retno Manggolo Muhlis Munasir Muthoin Muthoin, Muthoin Nafisah, Zahrotun Nafisah, Zahrotun Naili Rahma Yuliani Naufal Rif’at, Dhany Nikmatun Ulya Nirmala Amelia Husein Nukhi Firdausi, Anfa Nur Arif Mustofa Nur Maulidia, Rizka Nureza Ayu Kumalasari Oktaviani, Vika Rohma Oktavina, Nikhla Pontiningsih, Nely Purwanto Putri Anjar Sari, Laila Putri Aria Putri Ningsih, Nia Putri, Liana Qodriyatul Alfiyah Qoriatul Hikmah Ramadhan Pujisantoso, Rahmat Rena Eka Nurmayanti Risma Hanifatur Rosyida Rizky Amalia, Ratna Rohman, Syifaur Rokhimah, Rokhimah Rosidah, Ida Sadid, Diva Mustamar Salma Mufarrikhatul Walidiyah Salsabila, Karina Saputri, Zulinda Kurniawati Sholihatussifa, Nailis Sholikhati Ikmah, Ika Subaidi Subaidi Syarifatul Wardah Tutik Rofiqoh Tutik Rofiqoh Ubaidillah Ubaidillah Usfadhiya, Nafis Utami, Cahyaning Budi Vina Khoirotun Nisa Wahidullah Wahidullah Wahidullah Wahidullah, Wahidullah Wahyudin, Aan Yeny Fitriyani Yugesh Aldebaran Yuliani, Naili Rahma zahrotun nafisah Zahrotun Nafisah Zahrotun, Zahrotun Zaman, Wahyu Khoiruz ⁠Cahyaning Budi Utami