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ANALISIS EFISIENSI BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) WILAYAH JABODETABEK DENGAN PENDEKATAN TWO STAGE DATA ENVELOPMENT ANALYSIS (DEA) Naufal, Fadhil Muhammad; Firdaus, Achmad
EQUILIBRIUM Vol 5, No 2 (2017): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v5i2.2612

This research aims to measure the level of technical efficency of Bank Pembiayaan Rakyat Syariah (BPRS) in Jabodetabek Region during the period 2015-2016. This is quantitative reasearch. Data used in this research was a secondary data, collected from financial report from Bank Indonesia and Otoritas Jasa Keuangan. The sampling technique that issued in this research was purposive sampling with taking 12 samples of BPRS. Efficiency measurement in this research used non-parametric statistic Data Envelopment Analysis (DEA) with the intermediation approach. The results showed that 12 BPRS in Jabodetabek Region during the 2015-2016 period as whole hasÂ aÂ fluctuating level of efficiency. Meanwhile, the second phase of testing using Tobit methods shows that internal factor, CAR, has significant impact on BPRS efficiency in Jabodetabek.

Developing Value Based Services for Indonesian Microtakaful Firdaus, Achmad
ADDIN Vol 13, No 1 (2019): ADDIN
Publisher : LPPM IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/addin.v13i1.4447

Otoritas Jasa Keuangan (OJK) found that the poor and low income people were reluctant to join as insurance participants. OJK has conducted many socialization activities about microinsurance for low-income people which aimed to increase their literacy of insurance. SMES (Sederhana â€“ Mudah â€“ Ekonomis â€“ Segera) services aim to increase insurance inclusion. The study aims to propose a model of value-based service on microtakaful. The service refers to SMES (Sederhana â€“ Mudah â€“ Ekonomis â€“ Segera) and Maslahah Performa value. SMES value to explain the value expected by takaful participants. Maslahah performa to explain the fulfillment of needs to sharia demands by takaful operator. The SMES variable is developed into various sub variables according to SEOJK. Maslahah performa is elaborated to get worship orientation variables and internal process orientation which then be developed into various sub variables. The sub-variable weight is determined according to the importance level of each sub variable. The research finds that a value-based microtakaful service model can be derived from the SMES approach and maslahah performa. There is a linkage between the value-based microtakaful service according to participant expectation and spirituality and sustainability. The reasearch will contribute to increase literacy of microinsurance.

Hajj Financial Management in the MaqÄá¹£id SharÄ«â€™ah Perspective Alfiyanti, Ulfah; Firdaus, Achmad; Fatah, Dede Abdul
Al-Ahkam Volume 29, Nomor 2, Oktober 2019
Publisher : Faculty of Shariah and Law, State Islamic University (UIN) Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (730.536 KB)

This paper analyzes the management of the pilgrimage fund to the concept of Islamic wealth management and the management of the pilgrimage fund and its compliance with the maqÄá¹£id al-sharÄ«'ah. The first is done by analyzing the management of hajj funds by BPKH on the management of Islamic wealth. The second is done through interviews with academics, regulators, experts and practitioners. Descriptive processing is done through Strategic Assumption Surfacing and Testing (SAST). The analysis is done by selecting the 'important' and 'definite' variables. The results showed that the determinants of Hajj fund management according to Islamic wealth management were contracts, zakat and transparency. Hajj fund management policies for the protection of religion, including the setting of a fair and transparent haj quota, building infrastructure facilities for the pilgrimage, ensuring terms and conditions Life protection through the use of halal vaccines, providing and funding Hajj monitors, improving catering, lodging, transportation and health services and providing congregational data to the Ministry of Health. Protection of reason through improving the quality of rituals. Protection of assets through transparency in the management of hajj funds, direct investment in harmony with sharia, and management of hajj funds in Islamic banking.

Developing Value Based Services for Indonesian Microtakaful Firdaus, Achmad
ADDIN Vol 13, No 1 (2019): ADDIN
Publisher : LPPM IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/addin.v13i1.4447

Otoritas Jasa Keuangan (OJK) found that the poor and low income people were reluctant to join as insurance participants. OJK has conducted many socialization activities about microinsurance for low-income people which aimed to increase their literacy of insurance. SMES (Sederhana â€“ Mudah â€“ Ekonomis â€“ Segera) services aim to increase insurance inclusion. The study aims to propose a model of value-based service on microtakaful. The service refers to SMES (Sederhana â€“ Mudah â€“ Ekonomis â€“ Segera) and Maslahah Performa value. SMES value to explain the value expected by takaful participants. Maslahah performa to explain the fulfillment of needs to sharia demands by takaful operator. The SMES variable is developed into various sub variables according to SEOJK. Maslahah performa is elaborated to get worship orientation variables and internal process orientation which then be developed into various sub variables. The sub-variable weight is determined according to the importance level of each sub variable. The research finds that a value-based microtakaful service model can be derived from the SMES approach and maslahah performa. There is a linkage between the value-based microtakaful service according to participant expectation and spirituality and sustainability. The reasearch will contribute to increase literacy of microinsurance.

The Impact of Total Quality Management Implementation on Small and Medium Manufacturing Companies Sari, Ratna Purwita; Firdaus, Achmad
Esensi: Jurnal Bisnis dan Manajemen Vol 8, No 1 (2018)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/ess.v8i1.5852

This study aims to analyze the influence of Total Quality Management (TQM) implementation to competitive advantage and company’s performance, especially to small and medium manufacturing company. Using Partial Least Square (PLS) tested the hypothesis of Structural Equation Modelling (SEM). There is significant influence between TQM implementation to competitive advantage. Likewise with a competitive advantage to the company's performance there is significant influence. But there is no significant influence directly between TQM to the company's performance. The study discusses about the implementation of TQM in small and medium manufacturing companies. In the practice, implementation of TQM in small and medium manufacturing companies are not as smooth as the large manufacturing company.DOI: 10.15408/ess.v8i1.5852

MENGEMBANGKAN SIKLUS PENERAPAN SISTEM MANAJEMEN KINERJA BERBASIS KEMASLAHATAN Firdaus, Achmad
al-Uqud : Journal of Islamic Economics Vol 2, No 1 (2018): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v2n1.p94-120

The study aims to develop the cycle of maslahah based performance management system (maslahah performa) implementation. Maslahah performa consists of 6 orientations are: worship orientation, internal process orientation, learning orientation, talent orientation, customer orientation and wealth orientation. The study is conducted through in-depth literature study of previous study related to the concept of maslahah, maslahah based performance management system, the balanced scorecard (BSC) and the quality management system. The study shows that maslahah performa can be applied with the foundation of PDCA cycle that is Plan - Do - Check - Action. Plan is developed into 5 steps: strategic planning, identifying the foundation of maslahah, determining the maslahah behavior, determining measures and agreeing the performance contract. Do is developed into performance implementation. Check is developed into monitoring process. Action is developed into corective and preventive action. Â Â Â Â

Do Funerals Funds by Informal Institution Comply with Microtakaful Principles? Firdaus, Achmad; Dewi, Erwita Triana; Komalasari, Ratna
International Journal of Islamic Business and Economics (IJIBEC) Vol 5 No 1 (2021): IJIBEC VOL. 5 NO. 1 JUNE 2021
Publisher : Faculty of Islamic Economics and Business of Institut Agama Islam Negeri (IAIN) Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v5i1.3574

Research on funeral funds on a homeowner association has never been performed before. Meanwhile, previous studies on the funeral fund in insurance companies, 'rukun kematian,' and mosques are used as a reference. The research aims to analyze whether the funeral funds managed by informal institutions correspond with the micro takaful principle. Method is a descriptive analysis is used by comparing the survey in two groups, namely residential and village areas, of 31 communities spread across Java Island. The research variables developed include calculation, collection method, and amount of funeral fund contribution, alongside the calculation and amount of benefits. Although the funeral funds' variables have not fulfilled the micro takaful principle, there are interesting findings. These include that the calculation of contribution for the two groups, namely the residential and village areas, is performed by mutual agreement through community deliberations. In the village, the collection method is by direct payment from members of the public to the officers, which is different from the residential areas, where it is picked up by the officers. Furthermore, the amount of funding contributions to the community in the villages is around Rp. 3.001 and Rp. 5,000, while the total is over Rp. 10,000 in residential areas. The informal funeral funding scheme (IFFS) has become a mutually beneficial culture of Indonesian society, which fosters strong humanity and brotherhood. This scheme can be formulated in micro-takaful cooperatives to ensure that the benefits trickle down for every member of the community, including Muslims and non-Muslims.

Hajj Financial Management in the MaqÄá¹£id SharÄ«â€™ah Perspective Alfiyanti, Ulfah; Firdaus, Achmad; Fatah, Dede Abdul
Al-Ahkam Volume 29, Nomor 2, Oktober 2019
Publisher : Faculty of Sharia and Law, Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (730.536 KB)

This paper analyzes the management of the pilgrimage fund to the concept of Islamic wealth management and the management of the pilgrimage fund and its compliance with the maqÄá¹£id al-sharÄ«'ah. The first is done by analyzing the management of hajj funds by BPKH on the management of Islamic wealth. The second is done through interviews with academics, regulators, experts and practitioners. Descriptive processing is done through Strategic Assumption Surfacing and Testing (SAST). The analysis is done by selecting the 'important' and 'definite' variables. The results showed that the determinants of Hajj fund management according to Islamic wealth management were contracts, zakat and transparency. Hajj fund management policies for the protection of religion, including the setting of a fair and transparent haj quota, building infrastructure facilities for the pilgrimage, ensuring terms and conditions Life protection through the use of halal vaccines, providing and funding Hajj monitors, improving catering, lodging, transportation and health services and providing congregational data to the Ministry of Health. Protection of reason through improving the quality of rituals. Protection of assets through transparency in the management of hajj funds, direct investment in harmony with sharia, and management of hajj funds in Islamic banking.

Analisis Faktor Penentu Keinginan Pegawai untuk Berhenti Bekerja dan Iplikasinya pada Perbankan Syariah di Indonesia Gumay, Boby Rachman; Firdaus, Achmad; Yasid, Mukhamad
Jurnal Psikologi : Media Ilmiah Psikologi Vol 18, No 02 (2020): Jurnal Psikologi : Media Ilmiah Psikologi
Publisher : Esa Unggul University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47007/jpsi.v18i02.99

Penelitian ini bertujuan untuk menganalisa pengaruh lingkungan kerja, kompensasi dan religiusitas terhadap keinginan pegawai untuk berhenti bekerja pada perbankan syariah di Indonesia. Kuesioner diisi oleh 209 orang pegawai bank syariah di Indonesia dan data yang diperoleh diolah dengan metode Structural Equation Modeling (SEM) menggunakan software SmartPLS versi 3.2. Lingkungan kerja dan kompensasi berpengaruh negatif terhadap keinginan pegawai untuk berhenti bekerja. Religiusitas adalah satu-satunya variabel yang berpengaruh positif terhadap keinginan pegawai untuk berhenti bekerja dari perbankan syariah. Penelitian ini merupakan salah satu penelitian perintis di bidang personalia (HRD) yang membahas mengenai keinginan pegawai untuk berhenti bekerja dengan menggabungkan tiga variabel independen yakni lingkungan kerja, kompensasi dan religiusitas dengan sampel serta mencakup ± 50% entitas bank syariah yang ada di Indonesia. Penelitian ini diharapkan dapat memberikan manfaat bagi manajemen di perbankan syariah agar dapat mengambil langkah stratejik yang tepat di bidang kepegawaian terutama yang berkaitan dengan keinginan pegawai untuk berhenti bekerja sehingga dapat mengatasi tingkat keluarnya pegawai yang tinggi demi meningkatkan kinerja perbankan syariah di Indonesia secara umum di masa mendatang

A Model of Maslahah Performance for Higher Education Institution: Case of Institut Agama Islam Tazkia Herdiansyah, Hera; Firdaus, Achmad; Tarmizi, Erwandi
AL- IKTISAB Journal of Islamic Economic Law Vol 3 No 2 (2019)
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v3i2.3910

There are several programs under the Ministry of Research, Technology and Higher Education and Ministry of Religious Affairs of the Republic of Indonesia in many areas which decreased its performance level until it ended at the closing of the operational permit and even the revocation of the college permits concerned. Organizational performance is a series of performance starting from level of the organization, working units to individuals. The research on performance organization uses university based on maslahah with case study at Institut Agama Islam Tazkia. Purpose this study aims to develop a performance model based on maslahah using the framework of BAN-PT Accreditation, Maslahah Performance (MaP), and Quality Management System (QMS) ISO 9001. Methods of collection of sample are purposive sampling. Primary data collection techniques by collecting documentation directly and by distributing questionnaires to the ranks of the lecturers and the management of STEI Tazkia. Data analysis techniques by calculating the results of the questionnaire with Likert scale. The results showed that the development model of performance began with the preparation of the vision and mission, strategic objectives. It is suggested to all universities that offer the program of Islamic economics, finance, banking, and accounting; it should have a good vision, mission and objective.

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