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All Journal EL-AFKAR : Jurnal Pemikiran Keislaman dan Tafsir Hadis Jurnal Aghniya Nusantara Islamic Economic Journal Nuansa : Jurnal Studi Islam dan Kemasyarakatan Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah
Suharyono Suharyono
Sekolah Tinggi Ilmu Ekonomi Syariah Nahdhatul Ulama Bengkulu
Religion Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Social Sciences

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STRATEGI PEGADAIAN SYARIAH DALAM MENINGKATKAN JUMLAH NASABAH Suharyono Suharyono
JURNAL AGHNIYA Vol 3, No 1 (2020)
Publisher : STIESNU Bengkulu

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Abstract,This study will discuss the strategy of the Islamic financial industry in particular Shariah Pawnshop in increasing customers. Adjustment of appropriate strategies and techniques will greatly determine the sustainability of Shariah Pawnshop. During this time many people who view the Shariah Pawnshop is a place where only accepting gadai services only.practice In industry Shariah Pawnshop there are actually many other financial services products that are developed in Shariah Pawnshop. The purpose of this study is to find out and analyze strategies of Shariah Pawnshop in dealing with the challenges of the industry at the present time. The method used is to use a literature study. The paper provides conclusions on a review of the problems that have been discussed in a study of theories, hypotheses, and theories that support the research conducted. Keywords: Shariah Pawnshop, Strategy, Customer Abstrak,Penelitian ini akan membahas tentang strategi industri keuangan syariah khususnya pegadaian syariah dalam meningkatkan nasabah. Penyesuaian strategi dan tekhnik yang sesuai akan sangat menentukan bagi keberlangsungan pegadaian syariah. Selama ini banyak masyarakat yang berpandangan pegadaian syariah adalah tempat dimana hanya menerima layanan gadai semata. Pada praktek industri pegadaian syariah sebenarnya masih banyak produk-produk jasa keuangan lainnya yang di kembangkan di pegadaian syariah. Tujuan dari penelitian ini adalah untuk mengetahui dan menganalisis strategi pegadaian syariah dalam mengahadapi tantangan industi pada saat sekarang. Metode yang digunakan adalah dengan menggunakan kajian litelatur. Tulisan memberikan kesimpulan atas tinjauan masalah yang telah dibahas dalam sebuah kajian teori, hipotesis, serta teori-teori yang mendukung penelitian yang dilakukan. Kata kunci: Pegadaian Syariah, Strategi, Nasabah
KEBIJAKAN KEUANGAN PUBLIK MASA RASULULLAH Suharyono Suharyono
JURNAL AGHNIYA Vol 2, No 1 (2019)
Publisher : STIESNU Bengkulu

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Abstract This paper discusses public financial policy which has been exemplified since the time of the Prophet Muhammad SAW, public financial policy is carried out to regulate the economic order of society that is fair and strong. Management in terms of balanced and transparent state revenues and expenditures is one of the policies that must be carried out in order to maintain public welfare. The purpose of this paper is to review the policies of the Apostles that were made and to take the concept of public policy on finance that can be applied now. The method used in this paper is a qualitative method that is by analyzing various literary readings and making a conclusion. . Keywords: Policy, Public Finances, Period of the Prophet Abstrak Tulisan ini membahas tentang kebijakan keuangan publik sudah dicontohkan sejak zaman rasullullah SAW, kebijakan keuangan publik dilakukan guna mengatur tatanan ekonomi masyarakat yang adil dan kuat. Manajemen dari segi penerimaan dan pengeluaran negara yang berimbang dan transparan adalah salah satu kebijakan yang sejatinya harus dilakukan guna menjaga kesejahteraan publik. Tujuan dari tulisan ini adalah untuk meriview kembali kebijakan rasul yang penah dibuat serta mengambil konsep kebijakan publik tentang keuangan yang bisa diterapakan di masa sekarang. Metode yang digunakan dalam tulisan ini adalah metode kualitatif yaitu dengan menganalisis dari berbagai litelatur bacaan dan ditarik suatu kesimpulan. Kata kunci: Kebijakan, Keuangan Publik, Masa Rasulullah
ANALISIS RELEVANSI RELIGIUSITAS TERHADAP PERILAKU CURANG DALAM EKONOMI Suharyono Suharyono
JURNAL AGHNIYA Vol 3, No 2 (2020)
Publisher : STIESNU Bengkulu

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Abstract,This study will discuss the relationship between reiligiosity with economic fraudulent behavior. Many human resource factors carry out economic fraudulent behavior including, among others, related to the level of individual religiosity. This study aims to determine the relationship between religiosity on cheating behavior in the economy. The method used is a qualitative method using a literature study in accordance with the issues discussed. It was concluded that individual behavior related to fraudulent behavior in the economic field is one of them due to not practicing the values of religiosity that are actually the basis for carrying out an action both related to God and with other humans. Keywords: Religiosity, Cheating Behavior, Economy Absrtak, Penelitian ini akan membahas keterkaitan antara reiligiusitas dengan perilaku curang ekonomi. Banyak faktor sumber daya insani melakukan perilaku curang ekonomi diantaranya antara lain berkaitan dengan tingkat religiusitas individu. Penelitian ini bertujuan untuk mengetahui hubungan antara religiusitas terhadap perilaku curang dalam ekonomi. Metode yang digunakan adalah metode kualitatif dengan menggunakan kajian litelatur yang sesuai dengan permasalahan yang dibahas. Disimpulkan bahwa perilaku individu terkait perilaku curang dalam bidang ekonomi salah satunya disebabkan karena tidak mengamalkan nilai-nilai religiusitas yang sejatinya menjadi landasan dalam melakukan suatu tindakan baik itu yang berhubungan dengan Allah maupun dengan manusia lainnya. Kata Kunci: Religiusitas, Perilaku Curang, Ekonomi
Riba dalam Perspektif Tasawuf Suharyono Suharyono; Lenda Surepi
El-Afkar: Jurnal Pemikiran Keislaman dan Tafsir Hadis Vol 11, No 1 (2022): Juni
Publisher : IAIN Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/jpkth.v11i1.6044

Abstract

There are quite a lot of writings or studies on usury, in this case the author will discuss the focus of the study of usury from the perspective of Sufism. The method used is the literature or library study method. The conclusion of this scientific paper is that Islam forbids the concept of usury especially there are Muslims who practice the teachings of Sufism who strongly oppose and leave something that is clearly prohibited in Islam.
Analysis of financial literacy influence, security level, service features and subjective norms against the use of sharia mobile banking services among sharia banking students and sharia economics in Yogyakarta Muhammad Taufiqur Rohman; Dunyati Ilmiah; Suharyono
NUsantara Islamic Economic Journal Vol. 2 No. 1 (2023): 2023 January
Publisher : Department of Islamic Economic, Faculty of Economic and Business, Nahdlatul Ulama Islamic University (UNISNU) Jepara, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/nuiej.v2i1.347

Abstract

Financial literacy is a process for the management of people's knowledge and beliefs to manage their personal finances in a planned way. Understanding the financial condition will result in proper behavior. This research aims to determine the influence of financial literacy, security level, service features, and subjective norms on the use of Sharia mobile banking services. This research is a quantitative study using primary data from the dissemination of a questionnaire online through the Google Form platform to sharia banking students and sharia economics users of sharia banking mobile banking services in DIY. The number of samples in this study was 100 respondents. The methods of analysis used are multiple linear regression analyses with data analysis techniques using data quality tests (validity testing and reliability tests), descriptive statistical tests, classical assumption tests (normality, multicholestearity, and heteroskedastisity), hypothesis tests (t test, F test and R2 coefficient of determination test). Testing using the help of SPSS 16.0 software. Based on the results of testing using SPSS 16.0 software shows that financial literacy variables, service features, and subjective norms have a positive and significant impact on the use of Sharia banking mobile banking services, while security level variables are positively and insignificant to the use of Sharia banking mobile banking services. The value of the regression coefficient in this study was 0.692 and it can be concluded that the variables of financial literacy, security levels, service features, and subjective norms contributed to the decision to use the Sharia banking mobile banking service.
WHISTLEBLOWING DI LEMBAGA KEUANGAN SYARIAH Suharyono Suharyono; Dunyati Ilmiah
Nuansa : Jurnal Studi Islam dan Kemasyarakatan Vol 14, No 1 (2021): Juni
Publisher : Universitas Islam Negeri Fatmawati Sukarno

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/njsik.v14i1.5398

Abstract

Industri keuangan baik konvensional maupun syariah  mengahadapi permasalahan yang sama dalam menghadapi tindakan kecurangan maupun penyimpangan sumber daya manusia yang dapat merusak citra lembaga. Kepercayaan nasabah dan masyarakat luas terhadap industri keuangan sangat dipengaruhi oleh integritas dan kinerja lembaga yang baik.  whistleblowing bisa menjadi salah satu langkah pencegahan dan tindakan atas kejahatan tindakan fraud yang ada di industri keuangan syariah. Penelitian ini menggunakan pendekatan kualitatif  yang  bersifat studi litelatur. Disimpulkan bahwa Secara umum tindakan Whistleblowing dipengaruhi oleh profesionalitas sebagai pelaku yang terlibat baik secara langsung maupun tidak langsung dengan industri keuangan, pengaruh moral dan religiusitas sumber daya manusia.Kata kunci: whistleblowing, lembaga keuangan syariah, SDM
PERILAKU KONSUMEN DALAM PERSPEKTIF EKONOMI ISLAM Suharyono Suharyono
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 4, No 2 (2018)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v4i2.1216

Abstract

Human Resources in everyday life will never be separated by the fulfillment of needs or consumption. Islamic economics provides a picture and guidance in terms of consumption is justified and required in Islamic teachings that are guided by the rules of Shari'a. An item or commodity which is actually allowed to be used or consumed can be something that can be contrary to sharia depending on the behavior in using the goods or commodities. It can be concluded that consumption in Islam is loaded with spiritual values that indirectly lead consumers to avoid consumptive and keep the benefit is not just pleasure and satisfaction.
Co-Authors Dunyati Ilmiah Ilmiah, Dunyati Lenda Surepi Muhammad Taufiqur Rohman