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Journal : Journal of Islamic economics Perspectives (JIEP)

The Polemic of Charging Interest (Riba) Amoung Conventional Bank Employees Nanang Bagus Setiawan; Aries Kurniawan; Ilham; Beni Dwi Komara; Nuzulul Fatimah; Tatag Herbayu Latukismo; Heri Cahyo Bagus Setiawan; Riyan Sisiawan Putra
Journal of Islamic Economics Perspectives Vol. 3 No. 1 (2021): February (2021) Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/jiep.v3i1.40

Abstract

This study aims to determine the polemic experienced by a number of conventional bank employees, who know and realize that bank interest is usury or who still believe that bank interest is not usury, because they are only employees who work in banking companies and do not practice usury individually. per individual. From the two attitudes of banking employees in responding to the bank interest usury mentioned above, the study will focus on employees who have the attitude that bank interest is usury, while those who have the opposite attitude are clearly not going to take action to resign from their office. After focusing on anti-anti rip banking employees, it was found that them there were several obstacles to resigning, the first obstacle was internal, namely the lack of support from the family, both the nuclear family and the extended family, while the second obstacle was the repayment of employee loans that they enjoyed before knowing. and realize that bank interest is charging interest or usury (riba). Of the two obstacles or resign constraints will lead to further attitudes for a number of these employees. The attitude of a number of employees who have not received family support, some continue to return to work in a professional manner and some work just to abort their obligations or in other words work not seriously because they are not in accordance with their conscience. While the attitudes of a number of employees who are still in debt are more varied in attitude, some of them continue to work as usual while waiting for the right moment to pay off their debts, some are still working even though half-heartedly while trying to find a way out so that their debts can be paid off. and some of them are unanimously determined to leave office immediately or borrow a term in the military world, namely by deserting or leaving work by temporarily leaving the debt unpaid, even though they plan to pay it off at a later date. This study used a qualitative research method, namely the collection of in-depth interview data with former employees and active banking employees. Researchers also conducted focus group discussions / FGDs (Forum Group Discussion) among bank employees who were anti-microbial but still active and former bank employees who had resigned. As a result, there are five attitudes of banking employees in facing the resignation polemic due to bank interest rates in Indonesia. First, employees return to work professionally because they still get salaries from banking companies. Second, employees work only to abort obligations because they are not in accordance with their conscience. Third, employees who are still in debt continue to work professionally while looking for a way to pay off their debts. Fourth, employees who work half-heartedly while looking for ways to pay off loans. Fifth, if their resignation application by leaving debt and willing to pay off in installments is refused by the office, they prefer to leave the company unilaterally or go out of business.
The Impact of Implementation of a Joint Liability System on Member Behavior: (Case Study in Setia Bhakti Wanita East Java, Women’s Cooperatives) Iwang Suwangsih; Nuzulul Fatimah; Noneng Rukayah Sukatmadiredja; Emmywati
Journal of Islamic Economics Perspectives Vol. 3 No. 1 (2021): February (2021) Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/jiep.v3i1.41

Abstract

This study analyzes the impact of the consistent implementation of a joint liability system in cooperative life. This research uses descriptive qualitative research methods using in- depth interview techniques which are then carried out by open coding to find patterns and theories related to the results of the interviews. As said by Miles & Huberman (1992: 19) there are three stages that must be done in analyzing qualitative research data, namely (1) data reduction; (2) exposure data (data display); and (3) drawing conclusions and verification (conclusion drawing / verifying). The results of the analysis of this study that have been carried out, explain that cooperative members who implement and obey the rules that exist in joint liability cooperatives unconsciously have an impact on their behavior changes, they have discipline and a high sense of solidarity towards other members.
Swot Analysis to Determine a Company's Strategy in the State of the Covid -19 Plaguein XYZ Company Safa’at; Nuzulul Fatimah; Ahmad, Muhammad Ali
Journal of Islamic Economics Perspectives Vol. 3 No. 2 (2021): September (2021) The Journal of Islamic Economics Perspectives.
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/jiep.v3i2.44

Abstract

PT. XYZ is a company engaged in the field of readymix concrete. This study aims to determine the company's strategy in a covid-19 epidemic state, it is hoped that the company will be able to deal with it well. The method used is by interviewing employees in accordance with their fields and collecting the necessary documents, from the data are evaluated and then the strategy is prepared. From the results of the study concluded that with the SWOT analysis the company's position is located in quadrant 4.
Analysis of Product and Cultural Diversity as an Opportunity to Increase Market Expansion From Shocked Markets to E.Commerce at Masjid Al-Falah Surabaya Noneng R.Sukatmadiredja; Emmywati; Iwang Suwangsih; Nuzulul Fatimah
Journal of Islamic Economics Perspectives Vol. 3 No. 2 (2021): September (2021) The Journal of Islamic Economics Perspectives.
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/jiep.v3i2.55

Abstract

Analysis of product and cultural diversity as an opportunity to increase market expansion in shock markets towards E.Commerce at Masjid Al-Falah Surabaya", aims to analyze the opportunities created by the shock market to market opportunities with E.Commerse the market was shocked to become a digital market, namely E .commerce. The study was conducted at Masjid Al = Falah Surabaya with an unknown population, with a random sample of 40 respondents. Analysis of data by analyzing, purchasing activities caused by product diversity and cultural factors, these two variables can influence purchasing decisions, purchasing decisions can be increased repurchase through e.Commerce. The results showed that respondents who decided to buy were divided into buying because there were 26 respondents equal to 65%, respondents who did not buy 0, while 14 respondents who had impulse buying were equal to 35%. Whereas respondents bought goods because the quality of the product varied some 34 respondents, equivalent to 85%, respondents who bought because it was by the type of product were 32 respondents equal to 80%, while respondents bought because the price was cheaper were 37 respondents, equivalent to 92.5%, buying because the culture was 100%, whereas because of the sub-culture there are 8 respondents, namely 2%, while the social class of almost all social classes buys means 100%. The analysis of market increase can be seen from buyers who carry out repurchases, this can be seen from there are 11 respondents equivalent to 27.5% through electronic media, either WA, Instagram, or COD. It can be concluded that opportunities can be taken from the traditional market shock to the E.Commerce market.
Analysis of the Causes of Potential Failure on the Critical Path Using Fmea for Project Bag Case Packer In Robotic Machinery Automation Manufacturing Companies MM, Safaat; NUZULUL FATIMAH
Journal of Islamic Economics Perspectives Vol. 4 No. 2 (2022): September (2022) Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/jiep.v4i2.79

Abstract

This study aims to determine the potential failures that occur in the critical trajectory path in a packaging machine manufacturing project, which can provide information to the project managers in preventing risks that can occur at the machine manufacturing stage that are included in the critical path lane. This research uses mixed research methods that is, a general type of research which quantitative and qualitative methods are mixed in one overall study. The sample used in this study is the section head in each division who participates in the machine production process which will then be analyzed using the Failure Mode and Effects Analysis (FMEA) method where previously it was determined that the stage of making machines that entered the critical trajectory path using Ms. project software. The results of this study are known that there are eleven stages of machine manufacturing that are included in the critical path where there are 5 potential failures with the highest RPN (Risk Priority Number) value. Thus it can be a target of project management in project planning to minimize the risks that will occur.
Bibliometric Analysis for Entrepreneurship skill Improvement in SMEs Pakistan Sector: SLR Entrepeneurship Skill Fareed, Abid; Fatimah, Nuzulul; Zargar, Nasir Ahmad; Ali, Umar
Journal of Islamic Economics Perspectives Vol. 5 No. 1 (2023): February (2023) Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/jiep.v5i1.102

Abstract

Pakistan has a big potential of development by boosting up the SMEs. The SMEs seem neglected by their history in Pakistan as the main focus remained on the public sector. The SMEs particularly in large-scale manufacturing units beyond the government, bank, and liberalization. As the SMEs sector periodically withdraws their development because of a lack of skill and function. In this research, the SMEs sector in Pakistan is an object using the bibliography methodological to analyze the improvement of entrepreneurship skill by internal factors TVEs, and external factors in the Entrepreneurial Environment
Effects of Counterfeits on Branded Products in Garments Industry: A Perspective on Consumer Behaviour Gul, Arbab; Muhammad Ali; Muhammad Ahmad Khan Qazi; Nuzulul Fatimah
Journal of Islamic Economics Perspectives Vol. 2 No. 1 (2020): September (2020) Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/jiep.v2i1.27

Abstract

Counterfeit products are fake replicas of the real products. Deceptive counterfeits buying (consumer is well-aware about counterfeits) and non-deceptive counterfeits buying (consumer is not aware of counterfeits) are two dimensions of counterfeits buying. In Pakistan counterfeiting is an embryonic issue for many markets i.e., cosmetics, cellular, electronics, home appliances, and medicines. Furthermore, in last decade counterfeiting predominantly affect the garment’s market of branded products in Pakistan. This study aims to investigate the counterfeit effects on consumer buying perception of branded garments products. The various determinants used in this research for counterfeit brands’ purchase intentions and attitude towards counterfeits in Pakistani context have not been used in the way as they are used in the current research. After the data analysis it has been found that Purchase Intention of branded products and Attitude towards the branded products have positive significant impact on Counterfeits Products. Perceived quality of branded products has negative significant impact on counterfeits products while Status consumption has no significant impact on counterfeits Products.
Analysis of Rent, Buy and Rent-to-Buy With Net Present Value Method in the Decision of Truck Procurement at PT. XYZ Safa'at, Safa'at; Nuzulul Fatimah; Dewi Kartikaningsih
Journal of Islamic Economics Perspectives Vol. 2 No. 1 (2020): September (2020) Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/jiep.v2i1.33

Abstract

PT. XYZ is a company engaged in ready-mix or ready-made concrete. This study aimed to analyze procurement decisions with several alternatives: rent, buy and lease, by applying the NPV (Net Present Value) method. The method was interviewing employees based on their fields and collecting the required documents. From the data analysis and evaluation carried out, then it decided to procure the truck. From the results of the study, it can be concluded that with the analysis of the NPV method, the decision to procure trucks was with a rent-to-buy model.
Change Business Model of Islamic Religious College Business in East Java by Building Integrated Online Policy and Technology Systems During the Covid-19 Pandemic Period m.said, Ilham; Heri Cahyo Bagus Setiawan; Nuzulul Fatimah; Tatag Herbayu L
Journal of Islamic Economics Perspectives Vol. 2 No. 1 (2020): September (2020) Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/jiep.v2i1.34

Abstract

This study conducted an analysis and evaluation of business services activities P erguruan T Heigh under the Ministry of Religious Affairs in J awa T imur to create a model of an integrated online system to maximize kan activities of the service business during a pandemic covid 19. Enterprises college business has expanded rapid and during the pandemic covid has made changes to the service online, after the application of social distance in an effort to deal with the spread of the disease corona virus (Covid-19). Initially, an increase in people's interest to shop online was to buy necessities of life very high with many transaction processes. The aim is to provide effective and efficient services to all business transactions conducted online during the pandemic covid19. The methodology used is a qualitative research method with case studies and using purposive samples . The analytical approach used is interpretive analysis. The results of the research show that implementing an integrated online system is able to serve many business transaction processing activities which are greatly improved. So it can be concluded several things as follows: With an integrated online system through planning and organizing business systems can illustrate the various classifications of implementation of business services online business activities in order to facilitate all forms of business transaction processes quickly, effectively and efficiently during Covid-19. System integration of online ie business opportunities using technology that can deliver greater value for the business of the college that the college of business can be developed and can be maintained as well as helping people to meet their needs and facilitate online transactions.
Co-Authors Abid Fareed Abid Fareed Abid Fareed Abid Fareed Abid Fareed Adhimah, Himmatul Adinugroho, Mukhtar Agus Prasetya Ahmad, Muhammad Ali Ali Ahmad, Muhammad Ali, Arya Misbah Ali, Umar Alif Dimas Ramdani Amelia, Floren Rossa Amna Batool Ana Lailatul Fitriya Andriana, Balqis Ersa Anis Eliyana Anita Kartika Sari Arbab Gul Arbab Gul Arbab Gul Aries Kurniawan Batool, Amna Beni Dwi Komara Cahyani, Septian Artikasari Dwi Indah Diah Ayu Sanggarwati Dwi Aprilia Anggraini Dwi Novitasari Dwi Ratmawati Dyah Widowati Eka Fidya Priyandini Emmywati Faizal Ach Zaenuri Fareed, Abid Fendy Suhariadi Feri Ihsan Muzaki Fitriya, Ana Lailatul Fitriya, Wahyu Fitriyah, Az-zahrotul Fitroh, Alfiana Zakyatul Gul, Arbab Hafiz Ahmad Hakiki, Moh. Saiful Harjanti, Dhyah Heri Cahyo Agus Setiawan Heri Cahyo Bagus Setiawan Hidayati, Fresty Nur Hikmah, Diana Faiqotul ILHAM Ilham Ilham Ilham Ilham, Ilham Maulana Aji Irhamni, Firly Iwang Suwangsih Iwang Suwangsih Iwang Suwangsih Iwang Suwangsih Kartikaningsih, Dewi Khoirun Nisa Kusmayati, Nindya Kartika Latukismo, Tatag Herbayu Leonard Adrie Manafe Lillah, Fala Tania Lukman Khakim M Fawwaz Kamal Han M.Said, Ilham Ma'ruf, Moh Martin Zebua Mateen, Abdul MM, Safaat Moch. Ma’ruf Mohamad Yusak Anshori Muhammad Ahmad Khan Qazi Muhammad Ahmad Khan Qazi Muhammad Ali Muhammad Ali Muhammad Ali Ahmad Muhammad Ali Ahmad Muhammad Ali Ahmad Muhammad Gunawan Wibisono Muhammad Gunawan Wibisono Muhammad Gunawan Wibisono, Muhammad Gunawan Muslim, Biandri Nasir Ahmad Zargar Nauman Tahir noer choidah Noerchoidah Nofitasari, Dwi Noneng R Sukatmadiredja Noneng R.Sukatmadiredja Noneng R.Sukatmadiredja Noneng Rukayah Sukatmadiredja Noneng Rukayah Sukatmadiredja Prasetya, Agus Priyono Priyono Putri, Cantika Aura Putri, Diana Suryami Putri, Salsa Shabilla Rahayu, Tri Annisa Setya Ratih Indriyani RATNA SARI DEWI Ririn Andriana Riyan Sisiawan Putra Riyanto, Mohammad Aqil Rizka Efi Mawli Rohim, Ahsan Zainur Rohmawati, Amalia Sabaya, Syavira Safa'at Safa'at Safa'at, Safa'at Safaat MM Safa’at Safa’at Safa’at Safa’at Sari, Aprilia Rofiana Sari, Irum Diah Adtuti Sayyida Sayyida Setiawan, Heri Cahyo Agus Sholicha, Dinia Nikmatus Siti Mahmudah Sukadmadiredja, Noneng R. Suryandari, Lisa Tahir, Nauman Tatag Herbayu L Tatag Herbayu Latukismo Tatag Herbayu Latukismo Tesar Buri Anggara Ubaidillah Zuhdi Ubaidillah Zuhdi Umar Ali Umar Faruq Yeni Ratnasari Yustiana, Dewi Zargar, Nasir Ahmad