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All Journal Syarikat : Jurnal Rumpun Ekonomi Syariah Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah MANAGERE : Indonesian Journal of Educational Management Jurnal Ekonomi Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
MUFIDATUL HIMMAH
Universitas Nurul Jadid
Humanities Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Social Sciences Other

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STUDENT CREATIVITY PROGRAM AS A MEDIA TO BUILD THE ENTREPRENEURSHIP SOULS OF STUDENTS IN PONDOK PESANTREN Mufidatul Himmah; Abdullah Abdullah; Maknunatun Navisah Arifin
MANAGERE : Indonesian Journal of Educational Management Vol. 4 No. 1 (2022): Januari-April
Publisher : Perkumpulan Manajer Pendidikan Islam (PERMAPENDIS) Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52627/ijeam.v4i1.186

Abstract

This study aims to analyze the students' creativity program as a medium to build students' entrepreneurial spirit at the Nurul Jadid Islamic Boarding School. This research method uses a qualitative research method; the type of case study uses data collection techniques using observation, interview and documentation. The data analysis was carried out circularly, starting with data collection, data reduction, data presentation, and concluding. The results of the study indicate that Islamic boarding schools develop creative activities for students by providing places for activities to build an entrepreneurial spirit through pesantren extracurricular activities, managing used goods, applying in pesantren skills competitions, and skills activities in every institution under the auspices of the Nurul Islamic Boarding School. 
ANALISYSIS OF FINANCIAL STATEMENTS TO ASSESS FINANCIAL PERFORMANCE AT PT. ASTRA INTERNATIONAL TBK PERIOD 2018-2022 Yeni Prastika; Mufidatul Himmah
Jurnal Ekonomi Vol. 12 No. 04 (2023): Jurnal Ekonomi, 2023
Publisher : SEAN Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The reason the researchers chose PT Astra Internasional Tbk, as the object of research is due to the company's unstable financial condition in generating profits. One of the tools to assess financial performance can be done using financial ratios. The purpose of this study was to determine how the financial performance of PT Astra International Tbk using the analysis of liquidity ratios, solvency ratios, profitability ratios and activity ratios. The type of research used is descriptive quantitative using secondary data sources obtained from the financial statements of PT Astra International Tbk for the period 2018-2022 as well as additional data such as documents and others. Technical data analysis in this study using financial ratio analysis. The results showed that the average result of the liquidity ratio using the current ratio indicator was 1.40%, the quick ratio was 117.4%, and the cash ratio was 42.90%, this shows that the company's performance based on the liquidity ratio is still considered unfavorable because it is still below the industry standard, this means that the company is not good enough to pay its short term. Based on the average results of the solvency ratio using the debt to asset ratio indicator of 44.18% and the debt to equity ratio of 79.82%, this shows that the company's performance based on the solvency ratio is considered quite good because it meets industry standards and the company is good enough to pay overall debt with its capital and assets. Based on the average results of the profitability ratio using the return on assets indicator of 77.55%, return on equity of 13.58%, net profit margin of 11.53%, and gross profit margin of 21.91%, this shows that the company's performance is not good enough in making a profit because the company is not optimal in utilizing its assets. Based on the average results of the activity ratio using the inventory turnover indicator of 7.58% and asset turnover of 65%, it shows that the company's performance is considered poor because it is carried by industry standards, this means that the company has not been efficient in managing its assets.
Application of Sharia Economic Principles of Qardh Agreements to E-Commerce: Study of Shopee Paylater Transactions Mufidatul Himmah; Sania
Syarikat: Jurnal Rumpun Ekonomi Syariah Vol. 6 No. 2 (2023): Syarikat : Jurnal Rumpun Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Agama Islam Universitas Islam Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/syarikat.2023.vol6(2).14873

Abstract

The presence of the Shopee application with the paylater feature is proof of world development in the field of technology that can provide convenience for consumers in shopping from anywhere and anytime. The provision of limits in technical payments can certainly also make it easier for consumers when shopping when they don't have money, by using the predetermined limit. This research aims to discuss the synchronization of the qard contract in Islamic transactions with the OJK protection system for Shopee pay later, which is often a topic of discussion for usury transactions. The method used in this research is descriptive qualitative, which describes the results of the research using explanations in words in detail or detail so that readers can understand the discussion that the researcher will raise through online research to find theories and use them wisely. This research is directed and focused on discussing library materials in the form of journals. The results of this research explain that shopee paylater is called qardh or loan contract. Shopee paylater which stipulates fines for late payments shows usury. This shows that there is continuous usury when users are late in paying bills that are due. Therefore, as smart consumers, we must be careful when using the Shopee PayLater feature to avoid delays in payments and usury.  
Kualitas Pelayanan Terhadap Kepuasan Nasabah Di Bmt Ugt Sidogiri Cabang Kotaanyar Urip Santuso; Mufidatul Himmah
Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Vol. 5 No. 1 (2025): Maret : Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jaemb.v5i1.6765

Abstract

This study aimsto measure the level  of customer satisfacion with the services provided by BMT UGT CABANG KOTANYAAYAR. The methode  used in study is a survey with a questionnaire distributed  to customers. The variables tested  include product quality, service,and convenience. The results of the study indicate that most costumer are satisfed with the products offred, although three are severeal areas that ne to be improved such  as speed  of service and response to customer complains. The factors that most influence customer satisfaction are product quality and customer service this study is expected to provide recommendations for companies to improve service quality and increase customer loyality 
IMPLEMENTASI WALK IN CUSTOMER (WIC) DAN ENHANCED DUE DILIGENCE KEPADA NASABAH SEBAGAI PENCEGAHAN MONEY LAUNDERING PT. BANK SUMUT KCP SYARIAH H.M YAMIN Mufidatul Himmah; Mohammad Alief Hidayatullah; Siti Fatimah
JURNAL PROFIT Vol 6, No 1 (2022): Economic Tecnology
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v6i1.3492

Abstract

Banking institutions are institutions that are often used by the public to carry out financial transactions, whether in the form of savings, transfers, investments and others. In this case, Islamic Banking carries out funding and lending activities by promoting various types of financial transaction services, becoming the main center in crime. money laundering and terrorism financing to hide illegal money. Therefore, the OJK has made regulations regarding the prevention of Money Laundering and the financing of Terrorism which includes CDD and EDD PT. Bank Sumut Syariah KCP H.M Yamin has implemented Customer Due Diligence on Walk In Customer (WIC) and Enhanced Due Diligence on Customers as an effort to prevent money laundering and terrorism financing. In this journal research using qualitative methods with a descriptive approach. the data taken is by interview and observation techniques. Observations indicate that the implementation of WIC on Customer Due Diligence is carried out when the Bank doubts customer information by conducting identification and verification. In addition, at WIC where previously WIC did not need to report to Customer Service when making transactions and went directly to the teller. However, for now there has been a circular letter of change from the Head Office of Bank Sumut Syariah regarding the implementation of WIC where WIC is required to report to Customer service first after obtaining approval from CS, then WIC can go directly to the teller. The implementation of Enhanced Due Diligence is carried out for Politically Exposed Person customers. But in practice at PT. Bank Sumut Syariah KCP H.M Yamin is carried out if there are suspicious transactions or when there are cases.
STRATEGI PEMASARAN : UPAYA MENINGKATKAN REPUTASI BANK DAN COSTUMER TRUST PADA TABUNGAN DI BANK SYARIAH INDONESIA MUFIDATUL HIMMAH; ANIS FITRIA; SOFIATUL WAHIDAH; ATIQURRAHMAN ATIQURRAHMAN
JURNAL PROFIT Vol 6, No 2 (2022): Economic Banking
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v6i2.3665

Abstract

This study discusses the marketing strategy of the savings product Tabungan and how the marketing strategy can have an impact on the level of company reputation and the level of customer trust in BSI Probolinggo . This study aims to (1) understand and find out more about the marketing strategy used by BSI Probolinggo , in maeting its Tabungan savings product. (2) describe the efforts of BSI Probolinggo in marketing its products to continue to maintain the existence of the products they have and overcome the marketing problems they face. (3) to determine the impact of the marketing strategy on the level of reputation and customer trust in the company. Using this type of qualitative research with direct observation and interview methods. From the observations made by the author, the results of the study are as follows: (1) Tabungan savings is a savings product that is most in demand by customers with a percentage of 36.5% of the use of a total of 6 fundraising products offered with 5fivesavings products and 1-time deposit producWorship (2) the use of an effective sales strategy turns out to have an impact on the level of company reputation and the trust given by customers, the more products sold indicate that the public has interest and trust in the product, and automatically increases the reputation of the company (3) the marketing strategy used by the company BSI Probolinggo  is still traditional, with direct marketing methods by Customer Service. (4) the lack of use of digital technology in marketing Tabungan savings products. (5) To maintain customer loyalty, usually, BSI Probolinggo  gives gifts to customers, shopping discounts and other direct prizes.
Co-Authors Abdullah Abdullah ANIS FITRIA ATIQURRAHMAN ATIQURRAHMAN Maknunatun Navisah Arifin Mohammad Alief Hidayatullah Sania Siti Fatimah SOFIATUL WAHIDAH Urip Santuso Yeni Prastika