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Binti Nur Asiyah
Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung
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MENGELOLA HUBUNGAN BAIK DENGAN PELANGGAN DALAM MEMPERTAHANKAN LOYALITAS NASABAH BANK SYARIAH Sukma Aulia Dewi; Ritma Lutviandari; Firas Alyon Saputra; Tarisa Adelia Chusna; Binti Nur Asiyah
Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi Vol. 10 No. 7 (2024): Musytari : Neraca Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v10i7.7258

Abstract

Sektor perbankan di Indonesia semakin berkembang seiring dengan ketatnya persaingan dan lingkungan bisnis yang berubah dengan cepat. Penelitian ini membahas tentang pengelolaan hubungan dengan nasabah dalam menjaga loyalitas nasabah pada Bank syariah. Metode dalam penelitian ini menggunakan penelitian kualitatif dengan teknik pengumpulan data yaitu studi literatur, di mana laporan penelitian dikumpulkan dari berbagai sumber jurnal ilmiah, buku dan laporan penelitian yang relevan terkait dengan pengelolaan hubungan baik dengan pelanggan dan menjaga loyalitas pelanggan. Pendekatan kualitatif dipilih untuk mendapatkan pemahaman mendalam tentang cara menjaga loyalitas nasabah di bank syariah berdasarkan analisis literatur yang ada. Hasil penelitian menunjukkan bahwa CRM berpengaruh positif terhadap kepuasan pelanggan, pangsa pasar, produktivitas dan semangat kerja karyawan, dengan kepuasan sebagai mediatornya. Customer Relationship Management dalam meningkatkan loyalitas melalui kepuasan nasabah dengan mendorong perbankan meningktakna kesadaran untuk meningkatkan kualitas pelayanan. Rendahnya kontribusi bank syariah terhadap perbankan nasional menunjukkan rendahnya tingkat loyalitas nasabah terhadap bank syariah.
MANAJEMEN SUMBER DAYA INSANI BANK SYARIAH DI INDONESIA DALAM MENINGKATKAN PRODUKTIVITAS Innes Puspita Maharani; Dimas Prasetyo Putra; Revalinda Clauzhy Anggraini; Finka Aurel Liyani; Binti Nur Asiyah
Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi Vol. 10 No. 8 (2024): Musytari : Neraca Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v10i8.7362

Abstract

Penelitian ini mengkaji tantangan yang dialami oleh bank syariah di Indonesia dalam pengelolaan sumber daya insani (SDI) dan dampaknya terhadap produktivitas. Masalah utama yang diidentifikasi adalah kurangnya pegawai yang memahami prinsip-prinsip syariah, yang mengakibatkan kebutuhan akan pelatihan tambahan untuk meningkatkan kompetensi mereka. Maksud dari penelitian tersebut merupakan upaya guna mengkaji pengelolaan SDI di bank syariah dan bagaimana hal tersebut dapat berkontribusi pada peningkatan produktivitas serta daya saing di industri perbankan. Metode yang digunakan dalam penelitian ini adalah metode kualitatif dengan pendekatan studi literatur, yang mengumpulkan dan menganalisis berbagai referensi terkait praktik dan teori manajemen SDI dalam konteks perbankan syariah. Hasil penelitian menunjukkan bahwa pengelolaan SDI yang efektif, termasuk pelatihan yang sesuai dan penciptaan lingkungan kerja yang mendukung, sangat penting untuk meningkatkan kinerja bank syariah.
PENTINGNYA ASURANSI PEMBIAYAAN DAN PENJAMINAN SIMPANAN NASABAH BANK SYARIAH MELALUI LEMBAGA PENJAMIN SIMPANAN (LPS) Nila Khoirun Na’ili; Diva Wahyu Tias Saputri; Kharismatul Ulfiah; Binti Nur Asiyah
Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi Vol. 10 No. 12 (2024): Musytari : Neraca Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v10i12.7659

Abstract

Islamic banks are now continuing to experience development, both in terms of assets, office network and legal recognition. This requires supporting arrangements in the sharia banking sector through financing insurance and guaranteeing customer deposits through LPS. In sharia banks, financing insurance is very important in maintaining financial stability from unexpected financial risks. Guaranteeing sharia bank customer deposits guaranteed by LPS, such as current accounts and savings, is based on the wadiah principle. This guarantee can increase customer confidence. The research uses a qualitative approach with literature studies, collecting secondary data from various official sources related to LPS and insurance. This approach aims to thoroughly understand the importance of financing insurance and guaranteeing customer deposits in Islamic banks through LPS. The research results show that the implementation of financing insurance and deposit guarantee policies by LPS reduces financial risk and maintains public trust, as well as supporting the stability of the national financial system.
STABILITAS EKONOMI DAN NILAI TUKAR INDONESIA: PERPEKTIF KEBIJAKAN FISKAL DAN MONETER ISLAM Febrianto, M. Nanang; Mashudi, Mashudi; Asiyah, Binti Nur
Jurnal Ekonomi dan Bisnis (EK dan BI) Vol 7 No 2 (2024)
Publisher : Politeknik Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37600/ekbi.v7i2.1769

Abstract

Fiscal deficit policy during a recession can be used as a stimulus to encourage economic growth, but in the long term, deficits financed by foreign debt can cause economic instability and increase the risk of inflation and increased interest burdens. The Purpose of the study determine the role of Islamic fiscal and monetary policy in maintaining stable economic growth and exchange rates. The research method was carried out qualitatively using a literature study approach sourced from various books, journals, and government agency reports. The results obtained show that when a recession occurs the government encourages economic growth through a fiscal deficit funded through foreign debt which has a long-term impact on increasing the debt and interest burden. In Islam there are alternatives using cash Waqf and the issuance of State Sharia Securities which have an impact on long-term economic stability and ZIS which can help reduce poverty and inequality. Meanwhile, monetary policy aims to influence the circulation of money, increase employment opportunities, exchange rate stability and purchasing power through sharia-based instruments that don’t use elements of usury through Statutory Reserve Requirements, Financial Ceilling, Moral Suasion, Profit and Sharing Ratio, Sukuk.
Peran Dewan Pengawas Syariah dalam Menjamin Kualitas Produk pada Bank Syariah Indonesia (BSI) Alvera Zahvania Putri; Defa Irfantara Pramudya; Binti Nur Asiyah
JURNAL MANAJEMEN DAN BISNIS EKONOMI Vol. 3 No. 1 (2025): January : JURNAL MANAJEMEN DAN BISNIS EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jmbe-itb.v3i1.2769

Abstract

Islamic banking in Indonesia, led by Bank Syariah Indonesia (BSI), is experiencing rapid growth, but still faces challenges in product quality and compliance with sharia principles. This article discusses the important role of the Sharia Supervisory Board (DPS) in ensuring that banking products comply with sharia principles, including the supervision of the application of fatwas to ensure that products are free from maysir, gharar, and riba. Through qualitative research based on literature study, DPS is proven to have a strategic role in product and service supervision. However, obstacles such as limited independence and lack of product innovation are the main challenges that need to be overcome. Strengthening the role of DPS and providing adequate regulatory support are important steps to improve the quality of BSI products and services. With these efforts, BSIs are expected to be able to maintain sharia principles as the core of operations, while increasing public confidence in the Islamic banking industry. It also has the potential to support the sustainable growth of the Islamic banking sector in Indonesia, making it more competitive and relevant to the needs of the modern market.
Penerapan Analisis Kelayakan Pembiayaan 5C+1S untuk Meminimalisir Pembiayaan Bermasalah pada Bank Syariah Indonesia (BSI) Hasna Aulia Rahmawati; Rohmah, Hafiza Zaidatur; Marsheila, Clarisa Devi; Asiyah, Binti Nur
Jurnal Iqtisaduna Vol 10 No 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v10i2.52828

Abstract

Pembiayaan Bank Syariah Indonesia (BSI) tidak luput dari pembiayaan bermasalah. Pembiayaan bermasalah menimbulkan kerugian bagi pihak bank ataupun pihak lain yang berkepentingan. Untuk menanggulangi dampak tersebut, maka Bank Syariah Indonesia (BSI) perlu melakukan tindakan preventif salah satunya dengan menerapkan analisis kelayakan pembiayaan. Tujuan penelitian ini adalah untuk meneliti penerapan analisis kelayakan pembiayaan 5C+1S untuk meminimalisir pembiayaan bermasalah pada Bank Syariah Indonesia (BSI). Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan teknik pengumpulan data melalui studi literatur. Hasil penelitian menunjukkan bahwa penerapan aspek 5C+1S yang mencakup Character (karakter), Capacity (kapasitas), Capital (modal), Collateral (jaminan), Condition (kondisi), dan Sharia (syariah) dapat meminimalisir pembiayaan bermasalah di Bank Syariah Indonesia (BSI). Hal ini ditunjukkan oleh penurunan rasio NPF dari 2,93% pada 2021 menjadi 2,08% pada 2023, yang mencerminkan keberhasilan meminimalisir pembiayaan bermasalah sekaligus meningkatkan kinerja bank secara keseluruhan.
STRATEGI MANAJEMEN LIKUIDITAS DALAM MENJAGA STABILITAS BANK SYARIAH INDONESIA DI MASA KRISIS: UIN Sayyid Ali Rahmatullah Tulungagung Lorenza Putri, Amanda Ika; Anjarwati, Ribut Peni; Wulandari, Ulfa Dwy Ayu; Asiyah, Binti Nur
Jurnal Ekonomi Bisnis Manajemen dan Akuntansi (JEBISMA) Vol 2 No 2 (2024): Desember 2024
Publisher : PT. Media Edutama Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70197/jebisma.v2i2.76

Abstract

Islamic banks face major challenges in maintaining their financial stability amidst global economic uncertainty. This article discusses the liquidity management strategies implemented by Bank Syariah Indonesia to maintain stability during the crisis using a qualitative literature study approach. Online observation data collection techniques include book sources, scientific journals, and reports issued by official institutions. Data analysis uses descriptive quantitative. From the research conducted, there are three liquidity management strategies in maintaining stability, namely liquid asset adequacy, merger policy, and NPF analysis. These strategies have a significant impact on the stability of Bank Syariah Indonesia during the crisis as evidenced by capital instruments, assets, and profits that continue to increase every year.
THE CORRELATION OF MONEY SUPPLY AND ECONOMIC GROWTH IN AN ISLAMIC ECONOMICS PERSPECTIVE Binti Nur Asiyah; Mohammad Fadhilah Hamzah; Sheilla Ayu Amandasari; Shenia Erika Maharani; Dyah Wulandari
Al-Muhasib: Journal of Islamic Accounting and Finance Vol. 4 No. 1 (2024)
Publisher : Department of Islamic Accounting, The Faculty of Islamic Economics and Business, State Islamic Institute of Kediri [IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/almuhasib.v4i1.1563

Abstract

Abstract: This article aims to examine the correlation between the amount of money in circulation and economic growth using the perspective of Islamic economics. The amount of money in circulation is the total value of money in the hands of the community. So, the volume of money circulation in society correlates with the economic growth of a country. This research uses qualitative methods and is included in the category of literature research. The results of the study show that the correlation between money growth and economic growth has a positive influence. The amount of money in circulation and economic growth has a one-way relationship. The relationship between money growth and economic growth is associative. If money growth increases, economic growth will also increase. Likewise, when money growth decreases, economic growth also decreases.   Abstrak: Artikel ini bertujuan untuk meninjau dari korelasi antara jumlah uang yang beredar dengan pertumbuhan ekonomi menggunakan sudut pandang ekonomi Islam. Jumlah uang beredar adalah nilai total uang di tangan masyarakat. Jadi, volume peredaran uang di masyarakat memiliki korelasi dengan pertumbuhan ekonomi suatu negara. Penelitian ini menggunakan metode kualitatif dan masuk dalam kategori penelitian kepustakaan. Hasil penelitian menunjukkan bahwa korelasi antara pertumbuhan uang dan pertumbuhan ekonomi memiliki pengaruh positif. Jumlah uang yang beredar dengan pertumbuhan ekonomi memiliki hubungan yang searah. Hubungan antara pertumbuhan uang dengan pertumbuhan ekonomi bersifat asosiatif. Jika pertumbuhan uang meningkat, pertumbuhan ekonomi juga akan meningkat. Begitu juga ketika pertumbuhan uang menurun, pertumbuhan ekonomi juga menurun.
Maximizing the Role of Micro Waqf Banks as an Alternative Platform for Financial Inclusion in Amboina City H. Holle, Mohammad; Nur Asiyah, Binti; Saimima, Salma; Muhrim, Muhammad Rifai
Journal of International Conference Proceedings Vol 7, No 3 (2024): 2024 Global Waqf Conference Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v7i3.3727

Abstract

The purpose of this study is to maximize the role of Micro Waqf Bank as an alternative financial inclusion platform for micro entrepreneurs in Ambon City. Field research with a qualitative descriptive approach was conducted to describe the phenomenon of micro entrepreneurs who received business capital assistance from Al-Anshor Peduli Ambon Micro Waqf Bank, both in terms of receipt, management and income by collecting data through observation, interviews and documentation. Qualitative analysis using financial inclusion indicators proposed by the Financial Services Authority, namely Access, Use, and Quality. Research shows that from the access indicator, micro entrepreneurs spread across Ambon City are limited by distance, and minimal socialization and information from Al Anshor Peduli Ambon Micro Waqf Bank, an exclusive institution. The usage indicator, it was found that the management of waqf funds by entrepreneurs is decreasing day by day. The use of waqf funds by entrepreneurs is not yet focused. The quality indicator, the use of waqf funds by micro entrepreneurs has not shown any changes in terms of products sold or income levels. The waqf funds used are simply to survive
GUIDANCE IN PROCESSING FISH FLOUR IN REALIZING THE WELFARE OF THE FEMALE FISHING COMMUNITY Budiman, Ahmad; Bachtiar, Jusuf; Asiyah, Binti Nur; Khofifah, Laini; Isnawati, Adinda Putri Yesa
International Journal of Engagement and Empowerment (IJE2) Vol. 4 No. 3 (2024): International Journal of Engagement and Empowerment
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ije2.v4i3.179

Abstract

The utilization of fish catches in Besole Village has yet to be maximized. The catches are directly sold in the form of fresh fish to intermediaries and grilled fish that depend on tourists who come, so the catch depends on the price in the market. It is one of the reasons for conducting community service and assisting in utilizing assets owned by Besole Village. Processing catches is one of the efforts that is expected to improve the economy and realize prosperity because the processing results will have a higher selling value. This community service uses the Asset Based Community Development (ABCD) method. The female fisherman community is assisted in processing the catches. After assistance is provided, the community can process the catches into fish floss products that can be marketed for a long time and in a wide range. The practical implication of this activity is that the local government, village, and pokdarwis can monitor and ensure that the female fisherman community can maximize the sustainability of fish floss processing to support the welfare of families and communities
Co-Authors Abidah, Asiska Nur Adi Basuki Choirul Adinda Mayza Wiby Andira Adlan, Muhamad Aqim Agung Budiman Agus Eko Sujianto Ahmad Budiman Ahmad Fauzi Asshidqi Ahmad Fauzi Asshidqi Ahmad Muhtadi Ahmad Supriyadi Ahmada, Muhamad Agus Alfiyan Nur Ahsan, Muhamad Aidiawati, Ria Aini, Indah Nur Ainur Rohmah, Zelyn Faizatul Akhyak Al Satria, Muhammad Idris Alfaisah, Syaifudin Alif Ageng Utami Alifah, Rifa Nur Alvera Zahvania Putri Alvina Dwi Nur Dyanti Amanda Laily Yuniawati Amanda Putri Dwi Utami Amelia, Evita Amelia, Evita Amin Wahyudi Amin Wahyudi Amin Wahyudi Amriyah, Yassirly Angel Adilla Ani’fa Dewanti Putri Angelina Kusfita Rossa, Heleny Anggita Della Lestari Anita Febriani Anita Febriani Anjarwati, Ribut Peni Antri Arta Arlinta Prasetian Dewi, Arlinta Prasetian Ashlihah Asyarie, Adimas Agus Atok Syihabuddin Aulia Nur Azizah Ayunda, Sindy Sephya Dwi Azhari, Khairunisa Diva Azis, Ishan Azizah Shodiqoh Azizah Shodiqoh Rafidah Azizah, Saila Bakhrul Huda Balqis Shofa Nabilah Banna, Ahmad Fatan Al Bhakti, Rezsa Lingga Binti Mutafarida Binzar Wimpi Nugraha Cahyani Islamiah Cahyani Islamiah Cahyaning Puteri, Suci Cahyaningtyas, Ajeng Rizqina Cevira Putri Nabila Chamidi, Achmad Luthfi Chamidi Christina Ika Ningrum Dede Nurohman Defa Irfantara Pramudya Dewangga Wibiantoro, Awang Dimas Ainur Rochim, Mochamad Dimas Prasetyo Putra Diva Wahyu Tias Saputri Dwi Astuti Wahyu Nurhayati Dyah Wulandari Eka Ristanti, Frida Elok Faiqoh Erina Wiji Lestari Erma Laelatul Zahroq Evita Amelia F, Fransiska Fahmi Alif Aldianto Faiz Syahputra, Kevin Faizal, Muhazzab Alief Faizatul, Zelyn Fauzan Fauzan . Fauzan Fauzan Febrianto, M. Nanang Fifin Nasiroh Finka Aurel Liyani Firas Alyon Saputra Gazani, Hawa H. Holle, Mohammad Hania Nuril Aida Rochmah Happy Novasila Maharani Hardiansah, Hardiansah Hasna Aulia Rahmawati Hawa Gazani Herlina Wati Hidayat, Iqbal Alwi Hikmah, Sayyidah Ulil Hilda Nor Fani Holle, Moh. H. Holle, Mohammad Hanafi Husnul Haq Indah Nur Aini Innes Puspita Maharani Intan Qurratulaini Irtifa Umi Azizah Ishan Azis Islamiah, Cahyani Ismawati, Fadila Nur Isnawati, Adinda Putri Yesa Jalilut Jabar Jamaludin, Husna Binti Jamilah, Isnawati Jamilatun Ni’mah Jatmiko, Dadang Heru Johan Dwi Sutikno Julio Andre Setiawan Jusuf Bachtiar Karanelan, Magfirah Karimah, Zulfah Jannatul Kawedar, Gayuh Kharismatul Ulfiah Khasanah, Miftakhul Fauziyah Khofifah, Laini Kinanti, Karunia Kirana, Silva Puspita Candra Koerniawati, Dwi Kusumaningrum, Budiani Kusumaningtyas, Afifa Kutbuddin Aibak Laili, Lyliya Nurul Laili, Nizar Adi Lantip Susilowati Launiya, Khiyaratul Lazuardi, Deris Lella Juniva Sari Lestari, Lisa Yuni Lisa Yuni Lestari Lisa Yuni Lestari Lorenza Putri, Amanda Ika Luknawati, Erra Fitri Lyliya Nurul Laili M. Nanang Febrianto M. Nanang Febrianto M. Ridlwan Nasir M. Ridlwan Nasir M. Ridlwan Nasir Magfirah Karanelan Mahardika, Rama Prasetya Malawat, Fadli Fendi Marsheila, Clarisa Devi Mashudi Mashudi Mashudi , Mashudi Mashudi Mashudi Mashudi Mei Anjarwati, Chasa Puput Tri Mey Susanti Mey Susanti Moh. Taufiqur Rahman Mohamad Ilham Dede Wijaya Mohamad, Syed Ismail Syed Mohammad Anis Sumadi Mohammad Fadhilah Hamzah Mohammad H. Holle Mohammad Ilham Maulana Muchammad Ilham Syarifudin Muhamad Ahsan Muhamad Fahmi Azizul Farhan Muhammad Anis, Muhammad Muhammad Aswad Muhammad Husein Maruapey Muhammad Raffi Wahidin Muhammad Syahrul Hidayat Muhammad Vaiz Inda Fajar Muhammad Yoga Aditia Muhazzab Alief Faizal Muhazzab Alief Faizal Muhrim, Muhammad Rifai Mustikaningsih, Emilia Mutafarida, Binti Nadia Lailatul Hanifah Nadia Rakhil Azizah Nadila Desviana Mahardini Nahdiya Asna Nana Alfiana Nanda Nur Romadhon Nasiroh, Fifin Nasiroh, Fifin Natory, Dimas Asyif Nelly Himmatus Sa’diyah neni utami Neni Utami Ngizatul Milah Khoirun Nisa Ni'mah, Jamilatun Nila Khoirun Na’ili Ningrum, Christina Ika Nita Agustina Nurlaila Eka Erfiana Novi Tri Oktavia Novi Tri Oktavia Novi Tri Oktavia Nur Aziz Muslim Nur Azrin Yuliani Nurhadi Syaifudin Zuhri Nuroniyyah, Fathiyyatun Nurul Hidayah NURUL HIDAYAH Octafia Ramadhani, Lintang Oftafiana, Triya Oktaviansah, Mohamad Rizqi Pangestu, Nana Pellu, Arifin Pera Wibowo Putro Pranata, Dedy Pratama, Yoga Ari Pratiwi, Putri Hadiyanti Pratiwi, Yanuar Mila Pricilia Putri Salsabila Putri Shinta Dewi Putri, Pinasti Azalia Qomarul Huda Rama Prasetya Mahardika Reni Waningsih Revalinda Clauzhy Anggraini Ria Aidiawati Rida Zahrotul Mufidah Rifa Nur Alifah Rifqi Rama Dhani Rika Rizki Rohmah Rilan Abdul Syarif Rini Fitriani Ririk Damayanti Riska Imsa’ul Febiantoro Ritma Lutviandari rizka_abel_nadila, rizka_abel_nadila Rizkyaningrum, Adinda Agustinayu Rizma Denytasari Rohmah, Hafiza Zaidatur Rohmah, Siti Lailatur Rokhmat Subagiyo Rosyida, Zulma Aini Ruchmana, Ayu Safitri, Silvi Ayu Safrilia Suganda, Naelly Saila Azizah Saimima, Salma Samsul Bahri Samsul Huda Samsul Huda Septiana , Ayuk Setia Rini Sheilla Ayu Amandasari Shenia Erika Maharani Sherly Ulvia Saputri Sindhi Retno Palupi Sistyamurti, Febintha Slamet Budi Hariyanto Sri Eka Astutiningsih Subagyo, Rohmad Subagyo, Rohmat Subagyo, Rokhmat Sujianto , Agus Eko Sukma Aulia Dewi Surya, Yoga Adi Sutikno, Johan Dwi Syahera Widyaningtyas, Dewi Syahriza Azizan Sayid Syamsiyah, Siti Itsna Tarisa Adelia Chusna Ulil Albab Utami, Neni Vina Maratus Salsabila Vina Marotus Salsabila wati, Herlina Wiji Astutik Wulandari, Ulfa Dwy Ayu Yeni Yulia Ningsih Yuliani, Nur Azrin Yuliani, Nur Azrin Yunia Nur Azizah Yuniawati, Amanda Laily Yunita Dwi Nur Aini Zuha Musnida, Aimma Zulfah Jannatul Karimah Zumaroh Zumaroh, Zumaroh