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MANAGERIAL ECONOMICS: UNDERSTANDING ECONOMIC OPTIMIZATION Joko Hadi Purnomo
Al Hikmah: Jurnal Studi Keislaman Vol. 11 No. 2 (2021): AL HIKMAH
Publisher : LPPM Institut Agama Islam Al-Hikmah Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1537.896 KB) | DOI: 10.36835/hjsk.v11i2.3665

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Abstract, Changes in the business environment will occur at any time, generally in theform of changes in one or a combination of environmental factors outside thecompany, both on a national, regional and global scale. Business uncertainty willusually increase when the economic cycle is down, for example when we enter themillennium century, and then become optimistic when the economic cycle increases.The performance of a company will be greatly influenced by government policies inthe economic, monetary, fiscal, trade and investment sectors. Economic developmentin developing countries such as Indonesia is also influenced by the sharpness of thevision, mission and development strategies carried out by the government regime. Inmonitoring the economic turmoil because these factors can directly affect therealization of the achievement of business plan targets, the quality of businessprocesses and the achievement of company performance benchmarks in a sustainablemanner. The inflation rate is the most important economic variable that directlyaffects the condition of consumer purchasing power and the company's productioncost structure. Meanwhile, the development of interest rates should always bemonitored by the company, considering that this main economic variable is the basisor barometer for activities that are feasible or not appropriate for a business to run.Management decisions in today's business world are no longer solely based oneconomic considerations. According to the principles of economics, which were laterrevealed to the branch of managerial economics, management decisions lead to thegoal of maximizing profits, especially economic profits. Developments show thatbusiness decisions have psychological influences on decision makers, as well as socialinfluences where business entities and decision makers interact with the environment.Keywords: managerial economics, economic optimization, Indonesia.
Pengaruh Variabel Moderator Pemberdayaan dan Pendayagunaan Zakat dalam Menanggulangi Kemiskinan Joko Hadi Purnomo
Maliyah : Jurnal Hukum Bisnis Islam Vol. 9 No. 2 (2019): Desember 2019
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1363.358 KB) | DOI: 10.15642/maliyah.2019.9.2.1-34

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The research objective was to determine the effect of zakat empowerment on poverty alleviation, the effect of zakat management on zakat empowerment, zakat management through zakat empowerment on poverty reduction, zakat management on zakat utilization, the effect of zakat utilization on the prevention. poverty, the effect of zakat management through the utilization of zakat on poverty reduction. The approach of this research is a mix method. The research procedure, in the first stage, uses a quantitative method. the second stage uses qualitative methods. The quantitative method uses Structural Equation Model-Partial Least Square analysis. Meanwhile, qualitative analysis uses interactive analysis. The research results prove that: zakat empowerment affects poverty alleviation in East Java Province; Management of zakat affects the empowerment of zakat; Management of zakat through the utilization of zakat has an effect on poverty alleviation; Zakat management has an effect on the utilization of zakat. The Zakat Economic Empowerment Program is proven to be able to turn the mustahiq /poor into muzaqi.
MEKANISME BAGI HASIL SIMPANAN BERJANGKA SYARIAH (SI JAKA) DI BMT NURUL UMMAH NGASEM JAWA TIMUR (The Sharia Futures Deposit (Si Jaka) Profit Sharing Mechanism in BMT Nurul Ummah Ngasem East Java) Khoiriyah Muthmainnah; Joko Hadi Purnomo; Niswatin Nurul Hidayati
Qawanin: Jurnal of Economic Syaria Law Vol 4 No 1 (2020): Januari
Publisher : Fakultas Syariah IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (992.605 KB) | DOI: 10.30762/q.v4i1.1971

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Penelitian ini dilatar belakangi pengelolaan simpanan berjangka syariah yang semakin pesat dari tahun ke tahun selain itu BMT Nurul Ummah Ngasem Jawa Timur juga melakukan kegiatan penghimpunan dana dari masyarakat salah satunya produk tabungan berjangka syariah (Si Jaka). Dalam pratiknya menggunakan akad mudharabah. oleh sebab itu nasabah sebagai pemilik dana yang telah menyimpan dananya, mendapatkan bagi hasil atau keuntungan yang telah disepakati bersama di awal pembukaan tabungan berjangka syariah (Si Jaka). Oleh karena itu penelitian tertarik untuk mengangkat judul Mekanisme bagi hasil simpanan berjangka syariah (Si Jaka) di BMT Nurul Ummah Ngasem Jawa Timur. Pertanyaan utama yang akan dijawab dari penelitian ini adalah: 1) pengelolaan simpanan berjangka syariah (Si Jaka) yang ada di BMT Nurul Ummah Ngasem Jawa Timur. (2) mekanisme bagi hasil simpanan berjangka syariah (Si Jaka) di BMT Nurul Ummah Ngasem Jawa Timur. Untuk menjawab permasalahan tersebut, maka penelitian ini menggunakan pendekatan deskriptif kualitatif yang menghasilakan data-data yang diperoleh dari objek penelitian yakni dengan metode observasi, wawancara, dan dokumentasi yang kemudian dilakukan analisis dengan cara mendeskripsikan data dari informal, mereduksi data sesuai kebutuhan penelitian, kemudian di analisis oleh penulis, dan disimpulkan untuk menjawab penelitian. Hasil penelitian menyimpulkan bahwa pengelolaan dan  mekanisme bagi hasil simpanan berjangka syariah (Si Jaka) yang ada di BMT Nurul Ummah Ngasem Jawa Timur dalam penerapan nisbahnya harus benar-benar sesuai dengan prinsip syariah. This research was grounded by the management of sharia futures deposits which are rapidly increasing from year to year. Besides, BMT Nurul Ummah Ngasem East Java also conducts fundraising activities from the public, one of which is sharia term savings products (Si Jaka). In practice, it uses the mudharabah agreement. Therefore, the customer as the owner of the funds that has deposited the funds, get a profit sharing or profit that has been mutually agreed upon at the beginning of opening of sharia term savings (Si Jaka). Therefore, the research was interested in raising the title of the mechanism for the sharia term savings products (Si Jaka) at BMT Nurul Ummah Ngasem, East Java. The main questions that will be answered from this research were: 1. management of sharia term savings products (Si Jaka) at BMT Nurul Ummah Ngasem East Java, 2. mechanism for the sharia term savings products (Si Jaka) at BMT Nurul Ummah Ngasem East Java. To answer these problems, this research uses a qualitative descriptive approach that produces data obtained from the research object namely observation, interviews, and documentation which are then analyzed by describing data from informal, reducing data according to research needs, then di analysis by the author, and concluded to answer the research. The results of the study concluded that the management and profit sharing mechanism of sharia term savings products (Si Jaka) at BMT Nurul Ummah Ngasem East Java in applying the ratio must be really in accordance with sharia principles.
LEGAL DYNAMICS OF BANK INTEREST FROM LAJNAH BAHTSUL MASĀIL NAHDLATUL ULAMA (NU) PERSPECTIVE Joko Hadi Purnomo; Niswatin Nurul Hidayati
Qawanin: Jurnal of Economic Syaria Law Vol 5 No 1 (2021): Juni
Publisher : Fakultas Syariah IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (421.399 KB) | DOI: 10.30762/qawanin.v5i1.3021

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Perdebatan hukum bunga bank menjadi topik yang menarik berbagai pihak untuk mendiskusikannya. Di kalangan ulama Nahdlatul Ulama. hukum bunga bank telah dikaji dan diperdebatan di pesantren-pesantren. Jika ulama telah menyepakati keharaman riba, namun belum ada satu kesepakatan yang memastikan satu hukum bunga bank. Berbagai perbedaan terus berlangsung dengan berbagai argumentasi dengan menggunakan kaidah-kaidah khas pesantren yaitu istinbath hukum. Nahdlatul Ulama. sebagai salah satu organisasi masyarakat keagamaan dan sosial yang memiliki mayoritas pengikut di Indonesia sangat berkepentingan untuk membahas dan menentukan hukumnya. Umat Islam dalam memenuhi kebutuhan ekonomi juga bersinggungan dengan perbankan berbasis bunga, bahkan lebih luas lagi kegiatan peribadatan ibadah haji dan umroh terlepas juga menggunakan jasa bank. Nahdlatul Ulama memiliki metode untuk menentukan hukum yang khas berdasarkan tradisi pesantren yang telah disepakati sebagai metode baku dalam Lajnah Bahtsul Masāil. Tulisan ini bertujuan untuk mengurai istinbath hukum yang digunakan untuk menentukan hukum bunga bank, dan ketetapan hukum bunga bank di Nahdlatul Ulama. The debate on bank interest law has become an interesting topic for various parties to discuss. Among Nahdlatul Ulama Islamic scholars, bank interest law has been reviewed and debated in various Islamic boarding houses (pesantren). If the Islamic scholars have agreed on the prohibition of usury, but there is no agreement that ensures the bank interest law. Various differences continue with various arguments using the typical rules of the pesantren, called istinbath hukum. Nahdlatul Ulama. as one of the religious and social community organizations that has a majority of followers in Indonesia, has a concern on discussing and determining the law. In meeting economic needs, Muslims also intersect with interest-based banking, even more broadly the activities of the Hajj and Umrah pilgrimage which are also using bank services. Nahdlatul Ulama has a method for determining a specific law based on the pesantren tradition which has been agreed as a standard method in the Lajnah Bahtsul Masail. This paper aims to explain the istinbath Hukum used to determine bank interest law, and the bank interest law stipulation in Nahdlatul Ulama.
EFEKTIVITAS STRATEGI PEMASARAN PRODUK TABUNGAN HAJI DALAM MENINGKATKAN KEUNGGULAN KOMPETITIF DI BRI SYARIAH KANTOR CABANG PEMBANTU BOJONEGORO Nur Azizah; Joko Hadi Purnomo; Niswatin Nurul Hidayati
MIYAH : Jurnal Studi Islam Vol. 16 No. 1 (2020)
Publisher : Institut Keislaman Abdullah Faqih Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (539.926 KB) | DOI: 10.33754/miyah.v16i1.206

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Abstract: This research aimed to explain how the marketing strategy of Pilgrimage savings products in increasing competitive advantage, how effective the marketing strategy of Pilgrimage savings products in increasing competitive advantage and what factors are hampering and supporting in marketing Pilgrimage savings products at BRI Syariah KCP Bojonegoro. This research was conducted at the BRI Syariah KCP Bojonegoro, located at Jalan Untung Suropati A No.9 Ruko Adipura Bojonegoro. The subjects used in this research to assess the effectiveness of Pilgrimage savings marketing are leaders, Branch Operation Superviors (BOS) and customer service, while the object is the marketing strategy, the effectiveness of marketing strategies, and inhibiting and supporting factors in marketing the Pilgrimage savings product. This research used data collection techniques through observation, interviews and documentation. The results of the research were marketing strategies which included (segmentation, marketing mix, conducting studies in mosques or mushallas, exploring customer profiles, and applying service strategies). The effectiveness of the marketing strategy of the Pilgrimage savings product is very effective in terms of its marketing strategy system through online media.Keywords: marketing strategy, and Pilgrimage saving
HANDLING THE FINANCING PROBLEM: A NARRATIVE STUDY OF AGRICULTURAL CAPITAL FINANCING MURABAHAH CONTRACTS AT BMT Joko Hadi Purnomo; Anike Putri Rahmawati; Niswatin Nurul Hidayat
Istithmar: Jurnal Studi Ekonomi Syariah Vol. 5 No. 2 (2021): Istithmar : Jurnal Studi Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/istithmar.v5i2.78

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This research aims to determine how the implementation of agricultural capital financing with the murabahah contract, the factors that caused problematic financing, and how to handle problematic financing, especially in the financing of agricultural capital with a murabahah contract at BMT BUS KPU Tuban Branch. Agricultural capital financing is a type of financing that is quite rare for BMT in Tuban District, because in providing agricultural financing, BMT is very vulnerable to suffer losses due to problematic financing. This research was a field research with a qualitative approach. Data collection techniques were carried out through interviews and documentation. Data sources consists of primary and secondary data. Data analysis used analytic descriptive technique. The results explained that the murabahah financing procedure implemented at BMT BUS KPU Tuban Branch on agricultural capital financing practices can be said to be good, because in its implementation each prospective member of the financing was obliged to meet the applicable requirements and procedures, the factors that cause problematic financing were external and internal factors, The strategy for handling problematic financing at BMT BUS KPU Tuban Branch used a family approach, intensive billing, financing restructuring, collateral takeover, collateral execution and finally if it was not successful with financing elimination.
Uang Dan Moneter Dalam Sistem Keuangan Islam Joko Hadi Purnomo; Moh. Agus Sifa'
JOURNAL OF SHARIA ECONOMICS Vol. 1 No. 2 (2019): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v1i2.71

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Money is a tool that can be used in conducting exchanges or transactions both goods and services in a certain area. Money is the standard of use found in goods and labor. Therefore, money is defined as a tool to measure the value of each item and service. There are two main policies in the economy called fiscal and monetary policies. Monetary policy is a policy that is carried out to control the supply and demand of money (money circulating in the community), the available money supply, the stability of the currency's value and the direction in which money will be allocated using appropriate monetary tools or instruments in order to achieve the objectives from monetary policy itself. The fiscal policy is a policy that is used to move the steps to obtain state income including tax revenue and control the direction of fiscal policy and control the amount of government spending and expenditure using fiscal tools, so that the objectives of the policy can be achieved fiscal itself in the economy. In this study, the author only focuses on discussing monetary policy and its implications for economic development in an Islamic perspective. Keywords: money, monetary, Islamic finance system
Kritik Implentasi Corporate Social Responsibility Pada Perusahaan Minyak Dan Gas Perspektif Maqasid Al-Syari’ah Joko Hadi Purnomo; Moh. Agus Sifa'
JOURNAL OF SHARIA ECONOMICS Vol. 2 No. 2 (2020): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v2i2.154

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Corporate Social Responsibility is an interesting topic, since various theories are used as a basis for implementing it. Oil and Gas Company is one of the entities that practice Corporate Social Responsibility. The Corporate Social Responsibility implementation in oil and gas companies is oriented to their own interests in achieving the optimal profits. Oil and gas as one of the natural resources included in community ownership cannot be owned absolutely by anyone, including individuals, groups and even countries. The method used was a critical review of the Corporate Social Responsibility implementation in oil and gas companies. The results showed that the Corporate Social Responsibility implementation of oil and gas companies referred to the theory of shareholders oriented to the interests of shareholders. Corporate Social Responsibility implementation was only used to build a company’s reputation, so that the company would get increasing profits. The Corporate Social Responsibility implementation of oil and gas companies which referred to the theory of stakeholders was only oriented towards building public confidence that the company was sincere in carrying out Corporate Social Responsibility projects, but basically its expectations were on the company’s reputation. In addition, the involvement of stakeholders was not given room to make decisions about Corporate Social Responsibility implementation. Corporate Social Responsibility in the perspective of maqasid al-syari’ah must fulfill 4 (four) main components, consisting of maqasid al-syari’ah compliance, formation of a multi-stakeholder body, establishment of a Sharia Board, and fulfillment of sharia compliance. Keywords: Corporate Social Responsibility, Oil and Gas Companies, Maqasid Al-Syari’ah
Islamic Business Ethics: How to Apply it on Hikma Collection Group (HCG) Management at Pondok Pesantren Miftahul Hikmah Parengan Sub-District, Tuban District, East Java Mela Anggilia; Joko Hadi Purnomo; Niswatin Nurul Hidayati
JOURNAL OF SHARIA ECONOMICS Vol. 3 No. 2 (2021): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v3i2.262

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The purpose of this research was 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 research used qualitative research methods. The results of this research were the implementation of Islamic business ethics in the management of HCG (Hikma Collection Group) using eight principles that are in accordance with Islamic teachings, including 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.