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KONSEP FEE BASED SERVICES DALAM PERBANKAN SYARIAH Cahyani, Yutisa Tri
El-Barka: Journal of Islamic Economics and Business Vol 1, No 2 (2018)
Publisher : IAIN Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v1i2.1397

Abstract:This article analyzes the concept of fee based services in Islamic banks. Islamic banks are financial institutions that provide various forms of transactions, one of which is to provide various types of transactions in the field of service or fee based service. This service service consists of various kinds of service products according to the type of contract. In terms of service, banks obtain revenue in the form of fee-based income service. Fee based income comes from costs intended to facilitate the implementation of transactions or financing. This service facility is provided to customers and non-bank customers. In this writing using a type of descriptive qualitative research. The limitations in this writing are focused on the concept of income of Islamic banks in the form of fee-based income service. Fee based income comes from administrative costs that come from transactions in transfer, collection, clearing, bank guarantees, letters of credit, and other payment services. These contracts in the concept of fee based income services include Al Wakalah, Al-Kafalah, Al-Hawalah, Ar-Rahn, and Qardh. ??????: ?????? ????????? ?? ?????? ????? ???? ??????? ?????? ?? ???????? ? ????? ?? ???? ???????, ????? ??????? ???? ?????? ?????? ????????? ?? ????? ?????? ?? ?????? ??????? ???? ?????? ?? ??? ??????? ?? ??? ??? ?????? ???? ????? ???????? ?????? ??? ??????. ???? ????? ??? ???? ?????? ?? ???????? ???? ???? ??? ????? ????? ????????? ?? ???????? ???? ??????? ????????? ??????? ??????? ??????? ?? ??? ???????. ???? ????? ??????? (????? ??????? ??? ??????) ?? ??????? ???????? ????????? ??????? ???????? ???????? ??????? ??????. Abstrak:Artikel ini menganalisis tentang konsep fee based services dalam bank syariah. Bank syariah merupakan lembaga keuangan yang menyediakan berbagai macam bentuk transaksi, salah satunya ialah menyediakan berbagai macam transaksi dibidang pelayanan jasa atau fee based service. Pelayanan jasa ini terdiri dari berbagai macam produk layanan sesuai dengan jenis akadnya. Dalam hal pelayanan jasa, bank memperoleh pendapatan yang berupa fee based income service. Fee based income berasal dari biaya-biaya yang ditujukan untuk mempermudah pelaksanaan transaksi ataupun pembiayaan. Fasilitas pelayanan jasa ini diberikan kepada nasabah maupun bukan nasabah bank tersebut. Dalam penulisan ini menggunakan jenis penelitian kualitatif deskriptif. Batasan dalam penulisan ini difokuskan pada konsep pendapatan bank syariah dalam bentuk fee based income service. Fee based income berasal dari biaya-biaya administrasi yang berasal dari transaksi jasa transfer, inkaso, kliring, bank garansi, letter of credit, dan jasa pembayaran lainnya.Akad dalam konsep fee based income services ini diantaranya adalah Al-Wakalah, Al-Kafalah, Al-Hawalah, Ar-Rahn, dan Qardh.

Urgensi Sumber Daya Insani Dalam Institusi Perbankan Syariah Yutisa Tricahyani
Muslim Heritage Vol 3, No 1 (2018): Muslim Heritage
Publisher : IAIN Ponorogo

Abstract: This article analyzes the concept of human resources in sharia banking financial institutions. Human resources are considered one of important component in sharia banking institutions. Nowadays, the Islamic banks have found difficulty in finding competent and qualified human resources. They recruit human resources from the conventional banking. Descriptive analysis was employed as research design for scrutinizing the importance of human resources in the current sharia banking. The results of this study indicate that the existences of human resources in sharia banking are taken from the employees in conventional banks. Therefore, they less competent in the field of Shariah banking in particular. Human resources development is demanded for improving the quality of human resources itself. It implied that it will create qualified, skillful, competent human resources as well as have the expected work ethic. Due to the existence of Islamic work ethic and culture, it will produce good manners (akhlaqul karimah) in sharia banking institution.Abstrak: Artikel ini menganalisis tentang konsep sumber daya insani di lembaga keuangan perbankan syariah. Sumber daya insani merupakan komponen yang wajib ada dalam institusi perbankan syariah. Selama ini, pihak perbankan syariah mengalami kesulitan dalam mencari sumber daya insani yang berkompeten dan mumpuni. Mereka merekrut sumber daya insani dalam institusi perbankan syariah, justru mengambil dari sumber daya insani perbankan konvensional. Dalam artikel ini, metode penelitian yang digunakan adalah deskriptif analisis. Merupakan suatu metode penelitian yang mendeskriptifkan bagaimana urgensi sumber daya insani dalam perbankan syariah saat ini. Dari deskripsi gambaran-gambaran dan masalah perbankan syariah yang ada, kemudian dianalisis dan dideskripsikan berdasarkan fakta-fakta atau kenyataan di lapangan. Hasil penelitian ini menunjukkan bahwa yang terjadi selama ini hanyalah perpindahan pegawai dari bank konvensional ke bank syariah. Sehingga yang terjadi adalah kurang kompetennya sumber daya insani tersebut dibidang perbankan syariah secara khusus. Pengembangan sumber daya insani perlu dilakukan untuk meningkatkan mutu atau kualitas dari sumber daya insani itu sendiri. Hal ini dilakukan untuk memenuhi kebutuhan sumber daya insani yang masih jauh dari kata cukup. Dengan adanya pengembangan sumber daya insani, akan melahirkan insan-insan yang berkualitas, kompeten dan memiliki etos kerja yang diharapkan. Dengan adanya etos kerja islami dan budaya kerja islami,akan menghasilkan insan lembaga perbankan syariah yang berakhlakul karimah.

STRATEGI PEMASARAN USAHA PP. RIYADLUL JANNAH PACET MOJOKERTO PERSPEKTIF ILMU EKONOMI SYARIAH M. Zidny Nafi' Hasbi; Muhammad Salman Al Farisi; Yutisa Tri Cahyani; Sigit Kusbiantoro
Jurnal Riset Entrepreneurship Vol 4 No 2 (2021): (Edisi Agustus) Volume 4, Nomor 2, Tahun 2021
Publisher : Universitas Muhammadiyah Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30587/jre.v4i2.2544

Marketing strategy is very important for a company, both small and large companies, especially when they want to develop the company and increase the number of consumers, as well as companies owned by PP. Riyadlul Jannah Pacet Mojokerto, there are many businesses owned by PP. Riyadlul Jannah Pacet Mojokerto includes the Meriah Kitchen Restaurant, M2M ,. Agri Bisnis, Rijan Mart, Franchese, Grilled Chicken Wong Solo, Shake Noodle Mang Uci Bandung, Quick Chicken, Organic Vegetable Mayur, Giant Super Market, Hero Super Market, Chicken Slaughterhouse, Rijan Mineral Water. Marketing strategy theories of many kinds, including: segmentation, Determining Target Markets, and Determining Market Position, marketing mix includes product creation, pricing, promotion, distribution, participants, processes and the physical environment. All of these strategies are theories of marketing strategies that are widely used by many companies. The research method used is a qualitative method which includes data sources both primary data and secondary data, data collection techniques namely observation, interviews, documentation, data analysis techniques namely editing and organizing, checking the validity of the data, and the research stage. All of this researchers use to find research results. Furthermore, the data contains an overview of the object of research and data obtained from interviews and other documents related to marketing, then a discussion contains the strategic strategies used to market the product and the constraints and solutions. The closing contains the conclusions from the discussion of the marketing strategy and the constraints and solutions, then also the suggestions given by the writer regarding the marketing strategy. merupakan sebuah ringkasan isi dari sebuah karya tulis ilmiah yang ditujukan untuk membantu seorang pembaca agar dapat dengan mudah dan cepat untuk melihat tujuan dari penulisannya

Urgensi Sumber Daya Insani dalam Institusi Perbankan Syariah Yutisa Tri Cahyani
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 1 No 1 (2017)
Publisher : Universitas Islam Raden Rahmat

Artikel ini menganalisis tentang konsep sumber daya insani di lembaga keuangan perbankan syariah. Sumber daya insani merupakan komponen yang wajib ada dalam institusi perbankan syariah. Selama ini, pihak perbankan syariah mengalami kesulitan dalam mencari sumber daya insani yang berkompeten dan mumpuni. Mereka merekrut sumber daya insani dalam institusi perbankan syariah, justru mengambil dari sumber daya insani perbankan konvensional. Dalam artikel ini, metode penelitian yang digunakan adalah deskriptif analisis. Merupakan suatu metode penelitian yang mendeskriptifkan bagaimana urgensi sumber daya insani dalam perbankan syariah saat ini. Dari deskripsi gambaran-gambaran dan masalah perbankan syariah yang ada, kemudian dianalisis dan dideskripsikan berdasarkan fakta-fakta atau kenyataan di lapangan. Hasil penelitian ini menunjukkan bahwa yang terjadi selama ini hanyalah perpindahan pegawai dari bank konvensional ke bank syariah. Sehingga yang terjadi adalah kurang kompetennya sumber daya insani tersebut dibidang perbankan syariah secara khusus. Pengembangan sumber daya insani perlu dilakukan untuk meningkatkan mutu atau kualitas dari sumber daya insani itu sendiri. Hal ini dilakukan untuk memenuhi kebutuhan sumber daya insani yang masih jauh dari kata cukup. Dengan adanya pengembangan sumber daya insani, akan melahirkan insan-insan yang berkualitas, kompeten dan memiliki etos kerja yang diharapkan.

DILEMA KEBIJAKAN WISATA HALAL DI PULAU LOMBOK Lukman Santoso; Yutisa Tri Cahyani; Suryani Suryani
Jurnal Sosiologi Reflektif Vol 15, No 1 (2020)
Publisher : Universitas Islam Negeri Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jsr.v15i1.1968

The study aims to explore the policy of halal tourism as an instrument for regional development on the island of Lombok. The main problem of halal tourism policy, in addition to the inadequacy of the legal basis for tourism, is an unclear institutional position of halal tourism. This creates a further question on how to manage halal tourism to maximize its contributions. By using policy theory and a qualitative-interpretative approach, this study finds that halal tourism policy is a strategic policy in supporting the regional economy, as well as being able to accelerate sustainable regional development. However, at a practical level, halal tourism as a policy still experiences various obstacles and challenges. In principle, halal tourism is a universal service product because it can be used by all people, including non-Muslim tourists, but on the island of Lombok, it has not been well understood by all stakeholders. As a strategic policy, the halal tourism policy is a multi-sector and multi-regional policy. So it is necessary that Lombok halal tourism policy is integrally formulated with the vision of sustainable development. Kajian ini bertujuan mengeksplorasi kebijakan wisata halal sebagai instrumen pembangunan daerah di pulau Lombok. Sebagaimana dipahami, problem mendasar kebijakan wisata halal, selain belum memadainya dasar hukum pariwisata halal, juga secara kelembagaan masih terdapat problem. Sehingga yang menjadi pertanyaan bagaimana sebaiknya pariwisata dikelola agar mampu berkontribusi bagi kesejahteraan rakyat. Dengan menggunakan teori kebijakan dan pendekatan kualitatif-interpretatif, kajian ini menghasilkan temuan bahwa kebijakan wisata halal merupakan kebijakan yang strategis dalam menunjang perekonomian daerah sekaligus mampu mengakselerasi pembangunan daerah yang berkelanjutan. Namun, dalam praktiknya wisata halal sebagai sebuah kebijakan masih mengalami berbagai hambatan dan tantangan. Wisata halal pada prinsipnya merupakan produk jasa yang universal karena dapat dimanfaatkan semua orang, termasuk wisatawan non-Muslim namun di Pulau Lombok belum dipahami secara baik oleh semua stakeholders. Sebagai kebijakan yang strategis, kebijakan pariwisata halal merupakan kebijakan yang multisektor sekaligus multi-regional. Sehingga dibutuhkan rumusan kebijakan wisata halal Lombok yang terintegrasi dengan visi sustainable development (pembangunan berkelanjutan).

Pengaturan Wisata Halal Untuk Pembangunan Daerah: Transformasi Industri Halal Di Era Disrupsi Lukman Santoso; Yutisa Tri Cahyani
Supremasi Hukum: Jurnal Kajian Ilmu Hukum Vol 9, No 1 (2020): Supremasi Hukum
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/sh.v9i1.2130

AbstractHalal tourism is one of the sectors in the global economy that isexperiencing significant development. Indonesia as a country with aMuslim majority has the potential to develop halal tourism. However,there is a regulatory vacuum related to efforts to develop this potential inIndonesia. The existing legal basis is in the form of Fatwa Number 108 /DSN-MUI / X / 2016 concerning Guidelines for Organizing TourismBased on Sharia Principles. The government currently does not have astrong legal umbrella related to the development of the halal tourismsector. This halal tourism potential must be responded positively by theregions through transformative regional regulations as a means of regionaldevelopment and the welfare of the people. This article aims to explorethe ideal transformation model of halal tourism arrangements forsustainable regional development. Using a qualitative-interpretativeapproach, this study produces an ideal and synergic legal model of legalhalal tourism arrangements between local law and Islamic law as aninstrument of regional development in realizing people's welfare in theindustrial revolution era.Keywords: arrangement, transformation, halal tourism, regional regulation

Urgensi Sumber Daya Insani Dalam Institusi Perbankan Syariah Yutisa Tricahyani
Muslim Heritage Vol 3, No 1 (2018): Muslim Heritage
Publisher : IAIN Ponorogo

Abstract: This article analyzes the concept of human resources in sharia banking financial institutions. Human resources are considered one of important component in sharia banking institutions. Nowadays, the Islamic banks have found difficulty in finding competent and qualified human resources. They recruit human resources from the conventional banking. Descriptive analysis was employed as research design for scrutinizing the importance of human resources in the current sharia banking. The results of this study indicate that the existences of human resources in sharia banking are taken from the employees in conventional banks. Therefore, they less competent in the field of Shariah banking in particular. Human resources development is demanded for improving the quality of human resources itself. It implied that it will create qualified, skillful, competent human resources as well as have the expected work ethic. Due to the existence of Islamic work ethic and culture, it will produce good manners (akhlaqul karimah) in sharia banking institution.Abstrak: Artikel ini menganalisis tentang konsep sumber daya insani di lembaga keuangan perbankan syariah. Sumber daya insani merupakan komponen yang wajib ada dalam institusi perbankan syariah. Selama ini, pihak perbankan syariah mengalami kesulitan dalam mencari sumber daya insani yang berkompeten dan mumpuni. Mereka merekrut sumber daya insani dalam institusi perbankan syariah, justru mengambil dari sumber daya insani perbankan konvensional. Dalam artikel ini, metode penelitian yang digunakan adalah deskriptif analisis. Merupakan suatu metode penelitian yang mendeskriptifkan bagaimana urgensi sumber daya insani dalam perbankan syariah saat ini. Dari deskripsi gambaran-gambaran dan masalah perbankan syariah yang ada, kemudian dianalisis dan dideskripsikan berdasarkan fakta-fakta atau kenyataan di lapangan. Hasil penelitian ini menunjukkan bahwa yang terjadi selama ini hanyalah perpindahan pegawai dari bank konvensional ke bank syariah. Sehingga yang terjadi adalah kurang kompetennya sumber daya insani tersebut dibidang perbankan syariah secara khusus. Pengembangan sumber daya insani perlu dilakukan untuk meningkatkan mutu atau kualitas dari sumber daya insani itu sendiri. Hal ini dilakukan untuk memenuhi kebutuhan sumber daya insani yang masih jauh dari kata cukup. Dengan adanya pengembangan sumber daya insani, akan melahirkan insan-insan yang berkualitas, kompeten dan memiliki etos kerja yang diharapkan. Dengan adanya etos kerja islami dan budaya kerja islami,akan menghasilkan insan lembaga perbankan syariah yang berakhlakul karimah.

Budgeting From an Islamic Green Economy Perspective in Local Development Cahyani, Yutisa Tri; Santoso, Lukman; Ma'mun, Sukron
Invest Journal of Sharia & Economic Law Vol. 3 No. 2 (2023): INVEST - Vol. 3 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v3i2.7542

Global climate change and environmental problems significantly threaten the Earth's ability to support human needs and well-being. This crisis is exacerbated by increased economic development activities that rely heavily on the exploitation of natural resources. Indonesia, facing similar challenges, requires the implementation of a sustainable and environmentally friendly economic model. This study examines budgeting in the context of local government budget documents and regional development reports, focusing on the integration of green economic principles in the Mataraman region of East Java, Indonesia. Using a qualitative approach, the research examines local government budget and economic development reports from Madiun City and Ponorogo Regency. It involves a comprehensive analysis of both primary and secondary sources related to local development and budgeting. The findings aim to contribute to the promotion and acceleration of green economic development in the region, thereby influencing the allocation of resources to foster an inclusive and prosperous community.

Efektivitas Pelaksanaan Monitoring Terhadap Portofolio Pembiayaan Segmen Mikro Pada Bank Syariah Indonesia KCP Pare Supratman Laela, Rodena Yoman; Cahyani, Yutisa Tri
Musyarakah: Journal of Sharia Economic (MJSE) Vol 4, No 1 (2024): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v4i1.9275

This phenomenon occurs in micro segment financing as a result of which the financing that has been provided to customers is not used properly. This research method uses field research using a qualitative approach. This research was conducted to analyze the effectiveness of monitoring the micro segment financing portfolio at Bank Syariah Indonesia KCP Pare Supratman. The results of this research show that the supporting factors for implementing monitoring are a stable government economy, a good system, while the inhibiting factors lie in the system, customers who are not honest about actual events. The effectiveness of monitoring implementation is effective if seen from the smooth payment of installments. The distribution of financing carried out by Bank Syariah Indonesia KCP Pare Supratman has complied with the procedure for analyzing prospective customers using five stages.

Budgeting From an Islamic Green Economy Perspective in Local Development Cahyani, Yutisa Tri; Santoso, Lukman; Ma'mun, Sukron
Invest Journal of Sharia & Economic Law Vol. 3 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v3i2.7542

Global climate change and environmental problems significantly threaten the Earth's ability to support human needs and well-being. This crisis is exacerbated by increased economic development activities that rely heavily on the exploitation of natural resources. Indonesia, facing similar challenges, requires the implementation of a sustainable and environmentally friendly economic model. This study examines budgeting in the context of local government budget documents and regional development reports, focusing on the integration of green economic principles in the Mataraman region of East Java, Indonesia. Using a qualitative approach, the research examines local government budget and economic development reports from Madiun City and Ponorogo Regency. It involves a comprehensive analysis of both primary and secondary sources related to local development and budgeting. The findings aim to contribute to the promotion and acceleration of green economic development in the region, thereby influencing the allocation of resources to foster an inclusive and prosperous community.

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