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All Journal Jurnal Ilmiah Ekonomi Islam Syi'ar Iqtishadi Jurnal Ekonomi Rabbani Al-Urwatul Wutsqo: Jurnal Ilmu Keislaman Dan Pendidikan
Nursaman Nursaman
Universitas Serang Raya
Religion Economics, Econometrics & Finance Education Social Sciences Other

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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
Analysis of The Influence of Zakat on Economic Growth in Five Districts/Cities of Banten Province Nursaman Nursaman; Surya Darma Syam
Syi`ar Iqtishadi : Journal of Islamic Economics, Finance and Banking Vol 9, No 2 (2025)
Publisher : FEB Universitas Sultan Ageng Tirtayasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35448/jiec.v9i2.35742

Abstract

ABSTRACT: The purpose of this study is to analyze the influence of zakat on economic growth in five districts/cities in Banten Province in 2017-2021. The research method used in this article is a descriptive verification method with a quantitative quantitative approach. This research can also be verified, which means that it will be tested using analytical tools to prove the relationship between variables in the study and in the form of proof (accepted or rejected) through statistical calculations. The results of the study are based on path analysis with SmartPLS application statistics version 4.0. concludes that there is a positive and significant direct influence of the zakat acquisition variable (X) on the economic growth variable (Y). This can show the results of data processing that the T-Statistic is 10,762 (> 1,674) and the P value is 0.000 (< 0.05). The result can be concluded that the Ha hypothesis is accepted and Ho is rejected. This means that there is a direct positive and significant influence on the level of zakat collection on economic growth. Recommendation: to increase the acquisition of zakat, policy makers (government) to make a law on the collection of zakat for citizens who are obliged to zakat, as done by the Prophet PBUH and his followers as state fiscals.
Analysis of The Legality of The Online Forex Business in The Perspective of Sharia Economics and Finance Nursaman Nursaman; Ikhsanudin Ikhsanudin
al-Urwatul Wutsqo : Jurnal Ilmu Keislaman dan Pendidikan Vol 7 No 1 (2026): Al-Urwatul Wutsqa: Jurnal Ilmu Keislaman dan Pendidikan
Publisher : Sekolah Tinggi Agama Islam (STAI) Al Hidayah Tasikmalaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62285/alurwatulwutsqo.v7i1.353

Abstract

The rapid development of information technology has significantly transformed the financial sector, particularly in digital-based investment activities such as online forex trading. This study aims to analyze the legality of online forex transactions from the perspective of Islamic economics and finance. Employing a qualitative approach through a literature review, the study is structured into five main areas: online forex trading in Islamic economics and finance, its legality in conventional systems and national regulations, its legal status from an Islamic perspective, development solutions, and the opportunities and challenges involved. Online forex trading refers to the exchange of currencies conducted digitally without physical delivery, typically within futures markets. From the standpoint of Islamic economics and finance, such practices raise critical concerns regarding compliance with Sharia principles, particularly due to the potential presence of riba (usury), gharar (uncertainty), and maisir (speculation). These elements are often embedded in high-risk and speculative trading mechanisms, which contradict the core values of justice, transparency, and permissibility (halal).Therefore, while online forex trading may be legally recognized in conventional financial systems, its Sharia compliance remains questionable. Strengthening regulatory frameworks aligned with Islamic principles, enhancing public literacy in Islamic finance, and developing Sharia-compliant trading platforms are essential steps. Continuous supervision and innovation are also necessary to ensure that such financial activities are not only legally valid but also ethically and religiously acceptable.
Co-Authors Ersi Sisdianto Ikhsanudin Ikhsanudin Muhamad Fakhrudin Surya Darma Syam