Nursaman Nursaman
Universitas Serang Raya

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Pengaruh Tarif Ijarah Gadai Syariah Terhadap Mashlahah (kepuasan) Nasabah Gadai Emas Bank Rakyat Indonesia Syariah Cabang Serang Nursaman Nursaman
Jurnal Ilmiah Ekonomi Islam Vol 6, No 3 (2020): JIEI : Vol.06, No. 03, 2020
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (49.19 KB) | DOI: 10.29040/jiei.v6i3.1414

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana pengaruh tarif ijarah pada gadai syariah terhadap mashlahah (kepuasan) nasabah gadai emas Bank Rakyat Indonesia cabang Serang periode 2019 - 2020. Bahasan utama dalam penelitian ini adalah bagaimana pengaruh tarif ijarah pada gadai syariah secara simultan dan parsial terhadap mashlahah (kepuasan) nasabah. dimana teori dan filosofinya diambil dari Al-Qur’an, Al-Sunnah, dan para ahli. Metode yang digunakan dalam penelitian ini termasuk jenis assosiatif yang bertujuan mengetahui hubungan atau pengaruh antara dua variabel. Bertujuan mengetahui hubungan antarvariabel disebut korelasional. Ditinjau dari tujuan yang dicapai termasuk penelitian terapan. Ditinjau dari datanya termasuk jenis penelitian kuantitatif. Sumber datanya terdiri dari data primer, sekunder, dan populasi sampel. Operasional yang digunakan dalam penelitian ini sebagai berikut : variabelnya terdiri dari tarif ijarah sebagai variabel bebas serta mashlahah (kepuasan) nasabah sebagai variabel terikat. Selain itu data yang digunakan dalam pengujian diperoleh dari manajer keuangan bank periode 2019-2020, juga hasil wawancara dan kepustakaan. Untuk mengolah data tersebut penulis menggunakan program SPSS. Yang dilakukan uji F untuk uji simultan. Dan uji t untuk pengujian parsial, dengan tingkat signifikan 0,5 (5%). Tarif ijarah terhadap kepuasan (maslahah) tidak berpengaruh secara signifikan, karena diatas 0,05. Penulis menyarankan agar mencari variabel lain yang mempengaruhi kepuasan (maslahah) nasabah.
MANAJEMEN PENGAWASAN RISIKO DALAM BISNIS BANK SYARIAH Nursaman Nursaman
Jurnal Ekonomi Rabbani Vol 2 No 1 (2022): Mei 2022
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) Ar-Risalah Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53566/jer.v2i1.88

Abstract

Until now, Islamic banks in running their business cannot be separated from the influence of conventional banking which uses interest in determining their profits. Substantially, there is no relation between conventional banks and Islamic banks, both in systems, principles, values ​​and so on. This journal will provide some information and solutions for risk management in the Islamic banking business. Before stepping into the Islamic banking business, you should carefully consider and calculate some of the risks that will occur later. At the end of writing this journal, the authors conclude that the Islamic banking business is the same as conventional banks in facing risks, except for the risk of interest rates which must be regulated professionally, so as not to threaten the Islamic banking business itself. There are six risks in the Islamic bank business, namely: market risk, liquidity risk, credit risk, legality risk, reputation risk, compliance risk, operational risk, and strategic risk. Even in dealing with all these risks, it has been explained in the Qur'an Surah Al-Haysr (59): 18.
Empowerment Of Waqf For Sustainable Social-Economic Development: A Systematic Literature Review Ikhsanudin Ikhsanudin; Nursaman Nursaman; Muhamad Fakhrudin
Syi`ar Iqtishadi : Journal of Islamic Economics, Finance and Banking Vol 10, No 1 (2026)
Publisher : FEB Universitas Sultan Ageng Tirtayasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35448/jiec.v10i1.40052

Abstract

ABSTRACT Waqf empowerment is an important instrument in the Islamic economic system with significant potential to enhance social and economic welfare, yet its utilization remains suboptimal. This study aims to systematically analyze the development, patterns, and challenges of waqf empowerment through a Systematic Literature Review approach. The methodology employed is SLR using the PRISMA framework, with data sources derived from scientific articles published between 2022 and 2026 and selected based on predefined inclusion and exclusion criteria. The results indicate that productive waqf, cash waqf, and integration with zakat and Islamic social finance are key strategies in empowering the economy. The discussion highlights that innovation in management, the role of community-based institutions such as Islamic boarding schools, and support from policy and digitalization are crucial factors in enhancing waqf effectiveness. Furthermore, the study identifies challenges including low waqf literacy, limited managerial capacity, and suboptimal asset utilization. In conclusion, waqf empowerment has strong potential as a sustainable development instrument if managed professionally, innovatively, and in an integrated manner. Keyword: cash waqf, productive waqf, sustainable development, systematic literature review, waqf empowerment