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Analysis Customers' Interest to IB Faedah Savings Toha, Mohamad; Aini, Qurrotu
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 2 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v1i2.19

Marketing is to attract customers to use BRI Syariah products. In this case, the bank wants its product to be easy to sell and expansive, which is in great demand by customers and prospective customers. The study aims to determine customer’s interest in iB Faedah savings at BRI Syariah KCP Mojosari - Mojokerto. To answer the questions above, this research was designed with a qualitative descriptive approach using a case study approach. Based on the analysis of the data, it can be concluded that 1) Attention, that customers know about the iB Faedah savings product from their own initiative to come to the office and customers know about Faedah savings directly from BRI Syariah. 2) Interest, The reason customers use Faedah savings is because it adjusts to the background of individual status and the good service from BRI Syariah during the procedure. Customers feel well served and receive a clear explanation from BRI Syariah regarding the details of the iB Faedah savings product. 3) Desire, customer interest related to the cost of Faedah saving is said to depend on each person’s perspective and ability. Customers choose products with lower costs and can be used as a means of saving money for their internal needs. 4) Action (Using), that is the reason the customer has the desire to use the iB Faedah savings to meet the business needs. 5) Halal Lifestyle Awareness, customers have a purpose other than to meet financial needs but also to change perspectives in choosing the products used.

Pengaruh Etika Kerja Islam Dan Kepemimpinan Islam Terhadap Kinerja Karyawan: (Bagian Distributor Pt. Mayora) Masruroh, Emy Laily; Toha, Mohamad; Prahara, Rahma Sandhi; Ardiyansyah, Ardiyansyah
Khazanah : Journal of Islamic Studies Volume 3 Nomor 1 Februari (2024)
Publisher : Pusdikra Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51178/khazanah.v3i1.1819

Dalam suatu perusahaan, hal yang paling penting untuk diperhatikan adalah kinerja karyawan. Kinerja karyawan menjadi tolak ukur tercapainya visi misi perusahaan. Banyak faktor yang mempengaruhi kinerja, Etika kerja Islam dan Kepemimpinan Islam menjadi variabel penelitian dalam penelitian ini untuk mengetahui seberapa pengaruh Etika Kerja Islam dan Kepemimpinan Islam terhadap kinerja karyawan. Etika kerja Islam yang baik akan meningkatkan kinerja yang baik dan Kepemimpinan yang baik akan meningkatkan kinerja juga. Penelitian ini dilakukan di PT. Mayora Cabang Mojokerto. Dimana perusahaan tersebut adalah Perusahaan Distributor dari produk-produk makanan dan minuman PT Mayora. Sehingga tujuan penelitian ini untuk mengetahui : (1) Pengaruh Etika Kerja Islam Tehadap Kinerja PT. Mayora Cabang Mojokerto, (2) Pengaruh Kepemimpinan Islam Terhadap Kinerja PT. Mayora Cabang Mojokerto, (3) Pengaruh Etika Kerja Islam Dan Kepemimpinan Islam Terhadap Kinerja Karyawan PT. Mayora Cabang Mojokerto. Penelitian ini menggunakan metode penelitian asosiatif dengan menggunakan pendekatan kuantitatif. Metode pengambilan sampel yang digunakan dalam penelitian ini adalah sampel jenuh. Sampel dalam penelitian kali ini adalah karywan PT. Mayora Cabang Mojokerto sebanyak 70 karyawan, dengan menggunakan teknik pengumpulan data yaitu data primer dengan cara menyebarkan kuisioner. Analisis data menggunakan analisis regresi linier berganda denga bantuan Statistical Package for the Social Science (SPSS) 25. Hasil penelitian menyatakan bahwa Etika Kerja Islam berpengaruh positif terhadap kinerja karyawan PT Mayora Cabang Mojokerto dengan nilai signifikansi sebesar 0,000 < 0,05. Kepemimpinan Islam berpengaruh positif terhadap kinerja karyawan PT Mayora Cabang Mojokerto, dengan nilai signifikansi 0,009 < 0,05. Etika kerja Islam dan Kepemimpinan Islam secara simultan memiliki pengaruh signifikan terhadap Kinerja karyawan PT Mayora Cabang Mojokerto, dengan nilai signifikansi 0,000. < 0,05.

Analysis of The Implementation of Sharia Strategy Management at BMT Maslahah Toha, Mohamad; Ulfa, Elly; Yanti Sandra Dewi, Novi
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 1 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v1i1.3

Strategic management is a determinant of employee performance in the long term with the level of managerial decisions and actions. It includes environmental observation, strategy formulation, strategy implementation, evaluation and control. The research was conducted to analyze Sharia Strategic Management (MSS) at BMT Maslahah. It uses qualitative research methods, while data collection through interview techniques and documentation techniques. After the research was conducted, it was found that the strategic management process used by BMT Maslahah would be updated according to the needs and long-term development of the company. As for the strategy formulation, it is done by gathering all the members who will later be adjusted to the suggestions and the results of the joint discussion. The implementation of the strategy is adjusted to the existing mission at BMT Maslahah, such as managing cooperatives according to the identity of the students and also implementing the sharia system using the salaf book standards as well as in accordance with the fatwas of the National Sharia Council (DSN). It is stated that the BMT Maslahah in its implementation has implemented sharia principles which are marked by the implementation of four aspects differentiating it from conventional strategic management, including aspects of tawhid, orientation, motivation and sharia strategy.

Analysis Customers' Interest to IB Faedah Savings Toha, Mohamad; Aini, Qurrotu
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 2 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v1i2.19

Marketing is to attract customers to use BRI Syariah products. In this case, the bank wants its product to be easy to sell and expansive, which is in great demand by customers and prospective customers. The study aims to determine customer’s interest in iB Faedah savings at BRI Syariah KCP Mojosari - Mojokerto. To answer the questions above, this research was designed with a qualitative descriptive approach using a case study approach. Based on the analysis of the data, it can be concluded that 1) Attention, that customers know about the iB Faedah savings product from their own initiative to come to the office and customers know about Faedah savings directly from BRI Syariah. 2) Interest, The reason customers use Faedah savings is because it adjusts to the background of individual status and the good service from BRI Syariah during the procedure. Customers feel well served and receive a clear explanation from BRI Syariah regarding the details of the iB Faedah savings product. 3) Desire, customer interest related to the cost of Faedah saving is said to depend on each person’s perspective and ability. Customers choose products with lower costs and can be used as a means of saving money for their internal needs. 4) Action (Using), that is the reason the customer has the desire to use the iB Faedah savings to meet the business needs. 5) Halal Lifestyle Awareness, customers have a purpose other than to meet financial needs but also to change perspectives in choosing the products used.

SEBARAN DAERAH PENANGKAPAN KAPAL CUMI DAN MUSIM PENANGKAPAN IKAN DI PELABUHAN PERIKANAN NUSANTARA KEJAWANAN CIREBON Masriah, Imas; Wiyono, Eko Sri; Toha, Mohamad
ALBACORE Jurnal Penelitian Perikanan Laut Vol. 6 No. 1 (2022): Albacore
Publisher : Departemen PSP IPB

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/core.6.1.029-039

PPN Kejawanan adalah salah satu pelabuhan perikanan kelas nusantara yang armadanya didominasi oleh kapal penangkap cumi. Produksi cumi pada tahun 2019 mencapai 68% dari total produksi ikan hasil pendaratan. Akan tetapi, walaupun nilai produksi yang dihasilkan tinggi, volume produksi ikan hasil pendaratan masih terbilang rendah. Penangkapan ikan yang efektif dengan pemilihan waktu penangkapan dan daerah penangkapan ikan yang tepat dapat meningkatkan hasil tangkapan. Penelitian ini bertujuan untuk mengetahui sebaran kapal penangkap cumi dan musim penangkapan ikan di PPN Kejawanan. Sebaran kapal diketahui dengan menggunakan data logbook penangkapan ikan bulan Januari 2018 sampai dengan Juni 2019, sedangkan musim penangkapan ikan menggunakan data tahun 2010 sampai tahun 2019. Hasil penelitian menunjukkan bahwa kapal penangkap cumi PPN Kejawanan paling banyak melakukan penangkapan ikan di lokasi perairan 3o30’ -5o LS dan 108o -115o BT, sekitar wilayah perairan Tanah laut, Tanjung Puting, dan Ketapang. Musim penangkapan ikan terjadi pada bulan Februari, April, Juni, September, Oktober, dan November. Sedangkan musim penangkapan cumi terjadi pada bulan Juni, Agustus, September, Oktober, dan November. Kata kunci: cumi, musim penangkapan ikan, PPN Kejawanan, sebaran kapal

Analysis of Islamic Business Ethics in Buying and Selling Transactions of Agricultural Products Using a Wholesale System and Its Impact on Farmers’ Income in Tanjung Kenongo Village, Pacet District, Mojokerto Regency Prasetyo, Dzulfikar Wahyu; Toha, Mohamad
Danadyaksa: Post Modern Economy Journal Vol. 1 No. 1 (2023): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v1i1.12

When carrying out good buying and selling, it should be based on likes and mutual approval in order to receive blessings from Islamic teachings. Farmers’ income is generally uncertain, it can be once a month or even months and there is still uncertainty about the potential for losses and there are still times when they have to wait for a long time until the harvest season arrives. The impact of buying and selling agricultural produce transactions using a contract system on farmers’ income. Islamic Business Ethics in Sales and Purchase Transactions of Agricultural Produce using a Wholesale System in Tanjung Kenongo Village. In this research, the researcher used a descriptive qualitative approach using a type of field research, namely research in the field or field research. In collecting data in this research, the data used came from direct interviews with related sources. In this contract system, of course, farmers feel a little disadvantaged because they cannot make large profits considering that fertilizer prices are expensive, accommodation costs such as expensive farm laborers, and the price of basic necessities increase so that farmers cannot make a lot of profit, their income decreases a lot. The existence of this contract system also has a positive value, namely by helping farmers who experience difficulties when selling their commodities and helping farmers not to experience large losses. The process of the contract system is said to violate Islamic business ethics because it clearly violates the rules by taking advantage of the difficulties experienced by them. When farmers experience difficulties, although not everyone in this contract process takes advantage of the difficulties, there are several benefits that arise from the existence of this contract system, such as helping farmers not to experience losses.

The Present Discourse Aims to Examine The Evolution of Indonesian Islamic Civilisation Within The Context Of The Dutch Colonial Period Toha, Mohamad
Anjasmoro: Islamic Interdisciplinary Journal Vol. 1 No. 1 (2023): Islamic Education
Publisher : Yayasan Pendidikan Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/anjasmoro.v1i1.15

This study aims to analyze the development of Indonesian Islamic civilization during the Dutch colonial period. This study using library research produces research data that: 1). The dynamics of the socio-cultural conditions of Islamic civilization during the Dutch colonial period were still underdeveloped due to the strict system of colonialism applied in Indonesia; 2). The government system of Islamic civilization during the Dutch colonial period greatly influenced the development of Islamic civilization in Indonesia; 3). There were 3 strategies for Islamic da'wah during the Dutch colonial period, including: the transitional da'wah system between Hinduism and Islam, the lecture method in surau, and Islamic boarding schools; 4). Challenges to Islamic civilization during the Dutch colonial period included: Challenges in the fields of education, politics, economy and religion or da'wah; 5). Influential figures during Islamic civilization during the Dutch colonial period included K.H. Hasyim Asy'ari, Prince Diponegoro, Tuanku Imam Bonjol, Prince Antasari, and Teungku Cik Di Tiro. This study has implications for increasing literature on the history of Indonesian Islamic civilization so that it can add to the treasury of historical knowledge in Indonesia.

Street Vendor Empowerment in Bantul District: Analysis of the Role of the Indonesian Street Vendor Association of Struggle (APKLI-P) Based on the Perspective of Sharia Economics Habibah, Neng Julfa; Toha, Mohamad; Zuana, Muhammad Mujtaba Mitra
Sahwahita: Community Engagement Journal Vol. 2 No. 1 (2024): Community Engagement Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/sahwahita.v2i1.90

Based on the latest data from the Central Statistics Agency (BPS) in 2023, around 60.12% of the Indonesian workforce works in the informal sector, indicating the dominance of this sector in the national economy. However, in urban areas, informal sector economic activities, especially street vendors (PKL), often face various challenges that require structured solutions. One of the main problems street vendors face in Bantul Regency is limited business capital, which causes them to be trapped in loan shark loans that are not per Sharia principles. This study aims to analyze the role of the Indonesian Street Vendors Association of Struggle (APKLI-P) in empowering street vendors in Bantul Regency from a sharia economic perspective. This study uses a qualitative approach with a case study method at the DPD APKLI-P Bantul Regency. Data were collected through observation, in-depth interviews with 20 street vendor members, and documentation of empowerment programs carried out by APKLI-P. The data obtained were analyzed using source triangulation to ensure the validity of the research results. The findings show that APKLI-P has implemented various empowerment programs, such as developing culinary areas, providing business opportunities through local events, managing multi-purpose cooperatives, and providing halal certification. The impact of this program is measured through increased income, access to new business opportunities, and significant improvements in the welfare of street vendors. This study also highlights how the application of Islamic economic principles by APKLI-P has succeeded in strengthening social solidarity and creating equality and justice in society. However, this study has limitations in terms of generalizing the findings to other regions, and further research is recommended to test the effectiveness of this empowerment model in different regional contexts.

Analysis of Financial Ratios on The Performance of Muamalat Indonesia Bank Nurlatipah, Wita Sri; Rahman, Fadali; Toha, Mohamad
Majapahit Journal of Islamic Finance and Management Vol. 2 No. 1 (2022): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v2i1.13

This study aims to determine the effect of financial ratios (NPL, CAR, LDR, BOPO) simultaneously on the performance of Muamalat Indonesia Bank from 2008-2018. In this study, the researchers used a type of quantitative research with a descriptive and verification research approach because of the variables to be examined for their relationship and the purpose of presenting a structured picture. This research is a quantitative study with time series data. The type of data used in this study is secondary data in the form of data for all variables, namely Return on Assets (ROA), Non-Performing Loans (NPL), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Operating Cost Income Operational (BOPO). This secondary data was obtained by the method of observing financial ratios registered during the observation from 2008 to 2018. Corporate financial data for that period is available at www.idx.co.id. Data collection techniques used are observation and recording and linear regression models are used to determine whether there is a significant influence of one variable with another variable. For testing the hypothesis, it used the t-test and F-test.

Acculturation of Mataraman Local Wisdom with Islamic Values: Implications for Social and Economic Development Toha, Mohamad; Zuana, Muhammad Mujtaba Mitra; Isbahi, Muhammad Baiqun
Danadyaksa: Post Modern Economy Journal Vol. 2 No. 1 (2024): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v2i1.143

Economic development is often misinterpreted as merely financial growth and infrastructure expansion. However, the real essence of development lies in a multidimensional approach that incorporates social, cultural, and spiritual aspects, particularly within an Islamic context. This study explores the acculturation of Mataraman cultural traditions with Islamic values, focusing on Bersih Desa and Nyadran practices in Mataraman, Indonesia. Employing an ethnographic approach, data were gathered through observations and interviews with local stakeholders. The study examines how these traditions, initially influenced by Hinduism, have evolved to integrate Islamic teachings, thereby fostering community welfare, environmental stewardship, and social harmony. Results reveal that these practices align with Islamic principles of self-development, collective human prosperity, and the earth's stewardship. They demonstrate that local wisdom, when harmonized with religious values, contributes significantly to economic growth, social cohesion, and sustainable development. The findings underscore the importance of cultural preservation and propose that these traditions be promoted as cultural tourism assets, which could further enhance local economies. Future research is recommended to analyze the broader implications of Mataraman wisdom within the maqashid al-shariah framework.

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