Claim Missing Document
Check
Articles

Found 19 Documents
Search

COMPARING THE CONVENTIONAL AND SHARIA MONEY MARKET: AN INDONESIAN CONTEXT Ana Nur Anisah; Joko Hadi Purnomo
International Conference on Social and Islamic Studies Proceedings of the International Conference on Social and Islamic Studies (SIS) 2021
Publisher : International Conference on Social and Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research aimed to determine the analysis of conventional financial market instrument and Islamic money markets in Indonesia. Money market is a mechanism for trading funds in the short term, i.e. funds with a maturity of less than one year. Whereas Islam views money only as a medium of exchange, not commodities or merchandise. The research method uses the library research method. Where researchers do not directly conduct research in a company, but use the library as a source of data needed. The results obtained can be concluded as follows: 1. The difference between conventional financial markets and Islamic financial markets lies in the mechanism of control. On conventional financial markets, instruments issued are instruments sold at a discount and based on interest calculations. While the Islamic money market is more complex and approaches the capital market mechanism, which contains investment, cooperation and others namely Mudharabah, Musyarakah, qard, and Wadi’ah but only in the short term; 2. Instruments on conventional money markets include bank Indonesia certificates, money market securities, certificates of deposit, Commercial Paper, Call Money, Repurchase Agreement, Banker's Acceptance; 3. Instruments on the Islamic money market include inter-bank investment certificates, Mudharabah money market securities and bank Indonesia wadi’ah certificates.
Pendampingan Program Pengembangan Klaster Bawang Merah Di Kabupaten Bojonegoro Joko Hadi Purnomo; Niswatin Nurul Hidayati
LOYALITAS: Jurnal Pengabdian Kepada Masyarakat Vol. 4 No. 2 (2021): November 2021
Publisher : IAI Darussalam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/loyalitas.v4i2.1039

Abstract

The purpose of assisting the development of onion clusters in Bojonegoro Regency is to improve the quality of sustainable production and expand the marketing reach of processed shallot products. The method used is Participatory Action Research (PAR). The results of the assistance carried out are that the quality of the products produced by the Mekar Sari farmer group is able to match the fried onion products of other competitors in the local and interlocal markets, the market opportunities for fried onions and chili sauce are still very large both in the local market and in other areas. there is a market mapping of fried onions and chili sauce to distribute the product, as well as, there needs to be a commitment from the fried onion production team where buyers have started to arrive.
The Role of BMT NU Ngasem Jampet Branch in Increasing MSME Income in Jampet Market Through Rahn Financing M. Eko Wahyudi; Joko Hadi Purnomo; Moch. Zaenal Azis Muctharom
AL- IKTISAB Journal of Islamic Economic Law Vol 5, No 2 (2021): Al-Iktisab: Journal of Islamic Economic Law
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v5i2.6900

Abstract

The purpose of this research was to describe the role of BMT NU Ngasem Jampet Branch in increasing the income of MSMEs in Jampet Market through Rahn Financing. The method used was qualitative. The results showed that the role of financing applied by BMT NU Ngasem Jampet Branch is in accordance with the objectives of Islamic financial institutions in general, namely improving the quality of the community’s economic business for the welfare of the community and its members. Especially in financing products, because the existence of this financing makes it a solution for MSMEs or market traders in the capital used to develop and improve their business than before. So that financing is one way for MSMEs or market traders to increase their business income. The success of BMT NU Ngasem Jampet Branch in carrying out work programs related to financing realized for MSMEs or market traders. This is evidenced by the implementation of financing carried out by BMT NU Ngasem Jampet Branch with several MSMEs or traders in Jampet Market who carry out financing totaling 22 members, but there are some members who have difficulty in terms of installments because their sales are still quiet unlike other traders. So that it makes the installments delay and makes the installment time longer. Meanwhile, members who experience business development and are smooth in financing installments and make the repayment time according to maturity. From the application of financing to 11 MSMEs in the Jampet Market, there was an increase in income for rahn financing with an average of 3.4% of income per month of May 2021.
Syariah Governance Pada Perbankan Syariah Joko Hadi Purnomo
JES (Jurnal Ekonomi Syariah) Vol 1, No 1 (2016): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (103.457 KB) | DOI: 10.30736/jesa.v1i1.2

Abstract

Shariah governance is concatenation of two concepts, these are the concept of good corporate governance and shariah compliance. The governance of banks applies the principle of transparency, accountability, responsibility, professionalism and fairness whereas shariah compliance is the duty of Islamic bank to meet compliance with Islamic principles. The operation of Islamic banks must strictly adhere to the provisions of shariah. The application of shariah governance is the implementation of good corporate governance principles and shariah compliance. The implementation of shariah governance in Islamic banks relies on surveillance covering all research activities, observation and measurement on the course of operations, both internally and externally. Based on the above background, author makes formulations of the problem; (a) how is the implementation of Shariah governance in Islamic bank?; (b) How is the supervision of the application of Shariah governance in Islamic bank?.  The purpose of this paper is to know the implementation of Shariah governance in Islamic banks and to know the supervision of the implementation of Shari'a governance in Islamic bank. The implementation of GCG in Islamic banking creates transparency to prevent fraud, conduct accountability with the system that controls the relationship between the organs of company, do responsibility, keep independence, and keep in touch with fairness. The application of sharia compliance at Islamic banks without riba in bank transactions, no vagueness (gharar) in bank transactions, there is no gambling (maisir) in bank transactions. Bank conducts business on the basis of allowed (halal) profits. Banks manage zakat, sadaqah, and infaq according to the shariah provisions. The implementation of sharia governance in Islamic banks relies on surveillance covering all research activities, observation and measurement on the course of the operation by using elements of the AGM, Board of Commissioner, Board of Auditor, Shariah Supervisory Board (DPS), Director of Compliance, Internal Audit, Internal Shari'a Reviewers of SKAI and external monitoring system consists of elements of the Financial Services Authority (OJK), Public Accountant, National Sharia Council (DSN) and Stakeholders.Keywords: Corporate, syariah, Governance
Sistem Waralaba Dalam Kaidah Maslahah Mursalah Joko Hadi Purnomo
JES (Jurnal Ekonomi Syariah) Vol 2, No 1 (2017): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (177.143 KB) | DOI: 10.30736/jesa.v2i1.16

Abstract

Franchising is a business of cooperation among the parties. One party is called a franchisor and another party is called the franchisee to increase market penetration, growing new businesses and open working opportunity. Maslahah mursalah is used to address and answer new issues and developments that arise due to the progress of science and modern technology, both in setting the law against new problems, no provision of law and a new law to replace the old laws that do not conform any more with the circumstances, situations, conditions and welfare of the people of today. Maslahah mursalah is one method of laws istinbath that is made hujjah. For examples of problems set by maslahah mursalah ruling, it is shown that laws enacted by the method is more nurturing and more able to realize the sharia objectives, and it is the effectiveness of maslahah mursalah in setting the Islamic rules. Franchise system has a lot of benefit. Although not perfect, but overall it gives any favor by minimizing business risks, taking maslahah and keep madharat. The franchise system, of course, has been in accordance with the rules of maslahah mursalah. Keywords: Franchising, Business, Maslahah Mursalah
PENGARUH MARKETING, NILAI TAKSIRAN DAN BIAYA TITIP PADA GADAI EMAS TERHADAP MINAT NASABAH MENGGUNAKAN FASILITAS GADAI EMAS DI PT. BANK SYARIAH MANDIRI KCP TUBAN Karomatun Ni'mah; Joko Hadi Purnomo; Niswatin Nurul Hidayati
LISAN AL-HAL: Jurnal Pengembangan Pemikiran dan Kebudayaan Vol. 14 No. 1 (2020): JUNI
Publisher : LP2M Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (748.013 KB) | DOI: 10.35316/lisanalhal.v14i1.622

Abstract

The main problem in this thesis is whether there is an influence of marketing, appraised value and entrusted cost in increasing customer interest in using the gold pawning facility at PT. Bank Syariah Mandiri KCP Tuban. This research is a type of quantitative research. Collecting data in this study is by distributing questionnaires to gold pawning active customers as many as 32 people, interviews and documentation with Pawning Staff. The technique used is Purposive Sampling, analyzed using Validity Test, Reliability Test, Multiple Linear Regression, Classic Assumption Test, F-count test and partial t test. The results obtained from this study indicate that marketing (X1) has a positive and significant effect on customer interest in using the gold pawning facility. With a t value of 3.054 with a significance level of 0.005 below alpha 5%, the beta value in the Unstandardized Coefficient shows a figure of 2812,565. This means that if the marketing activities undertaken by pawning staff are increased again, this will increase customer interest in using the gold pawning facility assuming other independent variables are considered constant. The appraised value does not affect the customer's interest in using the gold pawning facility, with a t value of 0.635 above 5% alpha. And the cost of deposit has a positive effect on customer interest in using the pawn facility, with a t value of 4.137 and a significance level of 0.000 below alpha 5%, the beta value in the Unstandardized Coefficient shows a figure of 391,547. This means that the costs of being entrusted to the gold pawning facility at PT. Bank Syariah Mandiri KCP Tuban, the cheaper it will attract customers to use the gold pawning facility. Variables X1, X2, X3 simultaneously influence customer interest in using the gold pawning facility at PT. Bank Syariah Mandiri KCP Tuban.
IMPLEMENTASI ETIKA BISNIS ISLAM DALAM PENGELOLAAN HCG (HIKMA COLLECTION GROUP) DI PONDOK PESANTREN MIFTAHUL HIKMAH KARANG KECAMATAN PARENGAN KABUPATAN TUBAN Mela Anggilia; Joko Hadi Purnomo; Niswatin Nurul Hidayati
LISAN AL-HAL: Jurnal Pengembangan Pemikiran dan Kebudayaan Vol. 15 No. 2 (2021): DESEMBER
Publisher : LP2M Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (550.45 KB) | DOI: 10.35316/lisanalhal.v15i2.1344

Abstract

The purpose of this study is to describe and analyze the implementation of Islamic business ethics in the management of HCG (Hikma Collection Group) at Miftahul Hikmah Parengan Tuban, as well as the obstacles faced. This study used qualitative research methods. The results of this study are the implementation of Islamic business ethics in the management of HCG (Hikma Collection Group) using eight principles that are in accordance with Islamic teachings, namely the first with the principle of honesty in business, the second with the principle of selling good quality goods. The third principle is not selling out promises to consumers who want to buy at HCG (Hikma Collection Group). The fourth principle applied in HCG (Hikma Collection Group) is to be responsible in doing business regarding dissatisfaction in front of consumers and being responsible before God. The fifth principle is non-binding and generous to customers and all employees by getting used to being polite, smiling, greeting and friendly to all consumers and each employee. The sixth principle is the balance of doing business by always prioritizing the unity of every employee in HCG (Hikma Collection Group). The seventh principle is discipline in administration that uses honesty and timeliness in completing administrative reports. The last principle is to complete the product according to the target desired by the consumer. In addition, there are also several supporting and inhibiting factors in the implementation of Islamic business ethics in the institution.
MANAJEMEN RESIKO PEMBIAYAAN MUDHARABAH PADA PERBANKAN SYARIAH (STUDI KASUS BANK MUAMALAT CABANG SURABAYA) Joko Hadi Purnomo
Al Hikmah: Jurnal Studi Keislaman Vol. 7 No. 2 (2017): AL HIKMAH
Publisher : LPPM Institut Agama Islam Al-Hikmah Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (257.349 KB) | DOI: 10.36835/hjsk.v7i2.3286

Abstract

Banking is an institution that carries out three main functions, namelyreceiving money deposits, lending money, and money transfer services. In theeconomic history of the Muslims, bank functions have been known since the time of theProphet Muhammad. These functions are receiving assets, lending money forconsumption purposes and for business purposes, as well as sending money.Definition of banks according to the Banking Act No. 10 of 1998 is a business entitythat collects funds from the public in the form of deposits and distributes to the publicin the form of credit and / or other forms in order to improve the lives of many people.While the Islamic Bank is a bank that operates with sharia principles, which refers tothe Qur'an and the Hadith of the Prophet 2, meaning that the Islamic Bank isoperationally and theoretically following the Sharia provisions contained in theQur'an 'an and the Hadith of the Prophet, namely the procedures for Islamic worship.Risk management in mudharabah financing at Bank Muamalat Indonesia SurabayaBranch is an effort to minimize the risks that occur, both at the pre-contract and postcontractstages. Pre-contract mitigation is carried out by complying with theapplicable Standard Operational Procedures and other regulations established byinternal banks and external banks, rigorously selecting candidates for mudharib, andanalyzing the feasibility of prospective mudharib businesses. While post-contract riskmitigation by periodically monitoring the condition of mudarib business and fosteringmudharib business
ANALISA PENERAPAN GOOD CORPORARTE GOVARNANCE DI PERBANKAN SYARIAH Joko Hadi Purnomo
Al Hikmah: Jurnal Studi Keislaman Vol. 5 No. 2 (2015): AL HIKMAH
Publisher : LPPM Institut Agama Islam Al-Hikmah Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (953.917 KB) | DOI: 10.36835/hjsk.v5i2.3427

Abstract

Abstract: A good corporate governance (GCG) is a structure in whichstakeholders, shareholders, commissioners and managers make up thecompany's goals in addition to monitoring performance. The system ofgovernance in Islamic banks could bridgea wide range of efforts in addressingthe shared interest through the so-called Governance Committee. Thus, theimplementation of good corporate governance in Islamic banks rests on fivemain pillars namely transparency, responsibility, accountability, fairness, andindependency.Keywords: governance, responsibility, fairness
Manajemen Risiko Di Perbankan Syariah Joko Hadi Purnomo
Al Hikmah: Jurnal Studi Keislaman Vol. 9 No. 2 (2019): AL HIKMAH
Publisher : LPPM Institut Agama Islam Al-Hikmah Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (314.38 KB) | DOI: 10.36835/hjsk.v9i2.3441

Abstract

Abstract, Risk is the possibility of an undesirable occurrence, which can cause losses if it is not anticipated or managed properly. While risk management is a series of methodologies and procedures used to identify, measure, monitor and control risks arising from all bank business activities. Risk management of Islamic banks has a different character from conventional banks, mainly because of the types of types of risks that are inherent only in bank that operates in sharia ways. The caharacteristics of risk management in Islamic banks are risk identification, risk assessment, risk anticipation and risk monitoring. Keywords: risk management, sharia, Islamic banks