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Performance of Indonesian Sharia Rural Bank During Covid-19 Pandemic: A Descriptive Analysis Nurul Fatma Hasan
Velocity: Journal of Sharia Finance and Banking Vol. 2 No. 1 (2022): May 2022
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (636.315 KB) | DOI: 10.28918/velocity.v2i1.5192

Abstract

This article aims to analyze the performance of Indonesian Sharia Rural Bank during Covid-19 Pandemic. This research took descriptive-quantitative approach of financing composition and financial ratios of Sharia Rural Banks in Indonesia. The data is taken from secondary source, that is Sharia Banking Statistics of 2018-2021. The results show that financing composition by Sharia Rural Banks are still dominated by non-PLS financing. The the financial performance of Indonesian Sharia Rural Bank during the Covid-19 Pandemic was relatively good. Although the number of Sharia Rural Bank has decreased from 167 in 2018 to 163 in November 2021, but all indicators (CAR, ROA, ROE, NPF, and FDR) are still in accordance with Financial Services Authority standards.
KONSEP DAN IMPLEMENTASI ETIKA ISLAM DALAM DUNIA BISNIS Nurul Fatma Hasan
Istithmar: Jurnal Studi Ekonomi Syariah Vol. 1 No. 2 (2017): Istithmar : Jurnal Studi Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/istithmar.v1i2.117

Abstract

The innovation of Islamic Bank’s products is an indicator of the ability of Islamic bank to adapt with the needs of modern human being. Basically, Islamic bank has been done some of innovation efforts, one of the effort is by engineering akad in fiqh muamalah. Some of akadin fiqh muamalah are not only adopted, but also adapted by Islamic bank so that in line with the people needs. The Islamic principal of freedom is the main capital of facing the complexity of economic problems and the highdemands of people in case of the role of Islamic bank. Hybrid contract (al-’uqud al-murakkabah) is an example of Islamic Bank strategy to develop bussiness innovation. Hybrid contract is a dealing of two parties to have muamalah that covers two or more akad. Hybrid contract has been used in many varians of Islamic bank’s products. For example IMBT, property financing (MMQ), syariah card, take over financing, Islamic pledge, current account product, Islamic checking account financing, Islamic bonds, and Islamic hedging.
Developing Graduate Profiles through Research Road Map Sri Wigati; Hasan, Nurul Fatma; Rianto Anugerah Wicaksono
Dirasah : Jurnal Studi Ilmu dan Manajemen Pendidikan Islam Vol 6 No 1 (2023): DIRASAH
Publisher : Institut Agama Islam (IAI) Faqih Asy'ari Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58401/dirasah.v6i1.810

Abstract

Universities should guarantee that graduates are ready for the challenges of current life, work, and citizenship. Thus, universities should manage a myriad of priorities to ensure students’ success in life, work, and citizenship. The first step to take is developing graduate profile. This study aims to design a research road map to develop the graduate profiles of Bachelor of Sharia Economics (BSE) Study Program in UIN Sunan Ampel Surabaya. BSE has designed three graduate profiles: 1) Practitioners in Islamic finance; 2) Islamic finance & public policy analyst; and 3) Moslem entrepreneur. Therefore, BSE focused on three specializations: Islamic financial institution; Islamic economy & public policy; and halal industry and Islamic business. Islamic financial institution sub major has been designed to support the first profile, Islamic economy and public policy has been designed to support the second, while halal industry and Islamic business has been designed to support the last. These three specializations is strengthened by BSE research studies. BSE research studies were then strengthened by research road map. In other word, research road map was designed to develop research studies, and finally to develop graduate profiles of BSE.
Performance of Indonesian Sharia Rural Bank during Covid-19 Pandemic: A Descriptive Analysis Hasan, Nurul Fatma
Velocity: Journal of Sharia Finance and Banking Vol 2 No 1 (2022): Mei 2022
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v2i1.5192

Abstract

This article aims to analyze the performance of Indonesian Sharia Rural Bank during Covid-19 Pandemic. This research took descriptive-quantitative approach of financing composition and financial ratios of Sharia Rural Banks in Indonesia. The data is taken from secondary source, that is Sharia Banking Statistics of 2018-2021. The results show that financing composition by Sharia Rural Banks are still dominated by non-PLS financing. The the financial performance of Indonesian Sharia Rural Bank during the Covid-19 Pandemic was relatively good. Although the number of Sharia Rural Bank has decreased from 167 in 2018 to 163 in November 2021, but all indicators (CAR, ROA, ROE, NPF, and FDR) are still in accordance with Financial Services Authority standards.
Green Waqf Model for Sustainable Waste Management: A Respond to the Economic and Environmental Development Hasan, Nurul Fatma; Wigati, Sri
Bukhori: Kajian Ekonomi dan Keuangan Islam Vol. 4 No. 1 (2024): Juli
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/bukhori.v4i1.3294

Abstract

Purpose: This study proposes a green waqf model for sustainable waste management. Methodology/approach: This research is descriptive and qualitative, using secondary data from books and articles, with data collection through literature review and content analysis to organize and conclude the findings. Results/findings: The proposed green waqf model involves five stages: First, the waqif transfers cash waqf to the waqf institution (nazir). Second, nazir would promote human capital development by using waqf funds to manage training centers equipped with waste management technology. Third, nazirs through training centers would provide skills development training programs to facilitate beneficiaries (mauquf officials) to improve their skills. Fourth, after receiving the necessary skills and training from the nazir, it is expected that the beneficiaries have jobs and boost their productivity output. Finally, monitoring and evaluation should be conducted to ensure continuous improvement. The proposed green waqf model supports economic growth and the Sustainable Development Goals by creating employment opportunities and reducing poverty. As one society benefits, others are motivated to adopt the model, which amplifies its positive impact at the grassroots level. Limitations:  This is literature-based research and has not yet been implemented; therefore, the detailed model needs to be further designed. The model's implementation may be hindered by varying regional infrastructure, the effectiveness of waqf institutions (nazirs), and potential cultural barriers. Contribution: The proposed green waqf model is expected to enhance economic and environmental development.
IMPLEMENTASI ISLAMIC SERVICE QUALITY DALAM MENINGKATKAN KEUNGGULAN KOMPETITIF: STUDI KASUS PELAKU USAHA BIRO PERJALANAN UMROH DI SURABAYA Rosmiati, Rosmiati; Hasan, Nurul Fatma
Investama : Jurnal Ekonomi dan Bisnis Vol 10 No 2 (2024): Investama : Jurnal Ekonomi dan Bisnis
Publisher : Investama : Jurnal Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/investama.v10i2.1788

Abstract

This study aims to analyze how the implementation carried out by Umrah travel agency business actors in Surabaya in increasing competitive advantage through sharia-based service quality. Thus, it is hoped that this research can produce useful recommendations for improving service quality, especially in the context of service quality in accordance with sharia principles. The methodology used in this research uses qualitative methods with primary data sources obtained through observation and interviews. The object of this research is the business actors of the Umrah travel agency in Surabaya in implementing Islamic Service Quality. Respondents selected from each company are the Main Department of the company, as well as company management who are responsible as Operations and Marketing Managers, and Administrative CS staff, so that they are considered relevant to answer the objectives of this study, while secondary data is obtained from literature studies. The results of this study indicate that Islamic Service Quality in three Surabaya Umrah travel companies, each company has different advantages and approaches in applying Islamic service quality principles, which are divided into six main indicators, namely, Compliance, Assurance, Reliability, Tangible, Empathy, and Responsiveness.
STANDARISASI PROSES SERTIFIKASI HALAL PRODUK FARMASI DALAM MEMENUHI KEWAJIBAN BERSERTIFIKAT HALAL INDONESIA: PERBANDINGAN DENGAN MALAYSIA Rahmawati, Aisha; Nurul Fatma Hasan
Krigan: Journal of Management and Sharia Business Vol. 2 No. 2 (2024): Desember 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/krigan.v2i2.8766

Abstract

Penjaminan halal terhadap suatu produk terutama pada produk obat-obatan sangatlah penting sebagai negara dengan mayoritas beragama Islam. Dengan itu, diperlukan adanya suatu sistem standar yang sesuai syara’, yang dapat menjamin keakuratan hasil sertifikasi halal serta mekanisme alur proses sertifikasi halal. Tulisan ini bertujuan untuk mengetahui bagaimana standar dan proses sertifikasi di Indonesia dengan di Malaysia. Dalam penulisan ini menggunakan teknik analisis data kualitatif dan menggunakan metode penelitian library research (studi kepustakaaan). Hasil dari penelitian ini menunjukkan bahwa system standar dan proses alur pengajuan penjaminan halal (sertifikat) di Indonesia dengan yang berlaku Malaysia terdapat perbedaan pada standar kehalalan pada produk, jika di Indonesia pengaturan sertifikasi halal sifatnya mandatory with exeption (setelah diberlakukannya UU JPH), jika di Malaysia bersifat sukarela atau voluntary. Lalu dalam kelembagaannya, di Indonesia Lembaga yang berwenang ialah BPJPH, jika di Malaysia JAKIM sebagai lembaga yang memegang penuh atas seluruh proses sertifikasi halal standarisasi sampai pengujian produk, dari awal hingga akhir.   Halal assurance of a product, especially in medicinal products, is very important as a country with a majority of Muslims. With that, it is necessary to have a standard system that is in accordance with shara', which can guarantee the accuracy of the results of halal certification and the flow mechanism of the halal certification process. This paper aims to find out how the standards and certification process in Indonesia and Malaysia. This paper uses qualitative data analysis techniques and uses library research methods. The results of this study indicate that the standard system and the process of applying for halal assurance (certificate) in Indonesia and Malaysia there are differences in halal standards on products, if in Indonesia halal certification arrangements are mandatory with exception (after the enactment of the JPH Law), if in Malaysia it is voluntary or voluntary. Then in the institution, in Indonesia the authorized institution is BPJPH, if in Malaysia JAKIM is the institution that has full control over the entire halal certification process from standardization to product testing, from start to finish.
HYBRID CONTRACT: KONSTRUKSI AKAD DALAM PRODUK PERBANKAN SYARIAH Hasan, Nurul Fatma
WADIAH Vol. 1 No. 2 (2017): Wadiah : Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v1i2.1283

Abstract

The innovation of Islamic Bank’s products is an indicator of the ability of Islamic bank to adapt with the needs of modern human being. Basically, Islamic bank has been done some of innovation efforts, one of the effort is by engineering akad in fiqh muamalah. Some of akadin fiqh muamalah are not only adopted, but also adapted by Islamic bank so that in line with the people needs. The Islamic principal of freedom is the main capital of facing the complexity of economic problems and the highdemands of people in case of the role of Islamic bank.Hybrid contract (al-’uqud al-murakkabah) is an example of Islamic Bank strategy to develop bussiness innovation. Hybrid contract is a dealing of two parties to have muamalah that covers two or more akad. Hybrid contract has been used in many varians of Islamic bank’s products. For example IMBT, property financing (MMQ), syariah card, take over financing, Islamic pledge, current account product, Islamic checking account financing, Islamic bonds, and Islamichedging.Keyword: Hybrid contract, Islamic bank.
PENGARUH KUALITAS PELAYANAN TERHADAP KEPUASAN NASABAH PADA BANK MUAMALAT KC SURABAYA DARMO Amirotul; Nurul fatma hasan
Jurnal Manajemen dan Pemasaran Vol. 2 No. 1 (2023): Edisi Agustus 2023
Publisher : Universitas Haji Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51771/jumper.v2i1.637

Abstract

In an increasingly competitive banking industry, banks are trying to increase customer satisfaction. In order for customers to transact calmly, banks need to carry out service activities that satisfy customers, such as facilities, polite and fast responses, ethics and courtesy. The purpose of this study was to determine the effect of credibility, responsiveness, certainty, empathy, and direct evidence on customer satisfaction at Bank Muammarat KC Surabaya Darmo. Quantitative research is used in this type of research. The data analysis technique used is plausibility test, reliability test, classic hypothesis test, multiple regression analysis, correlation coefficient, coefficient of determination (R2), and hypothesis testing. Based on the results of the subtest survey, at Bank Muamalat KC Surabaya Darmo, trust, responsiveness, security, and empathy have no effect on customer satisfaction, while direct evidence has a positive effect on customer satisfaction. Simultaneous testing found that service quality simultaneously influences customer satisfaction at Bank Muammarat KC Darmo Surabaya. Keywords : Service Quality and Customer Satisfaction
POTENSI WISATA ALAM SETIGI SEBAGAI WISATA HALAL DAN PENYOKONG SDGs DESA Syarifah, Tsaniyatas; Hasan, Nurul Fatma
Jurnal Pariwisata Tawangmangu Vol 2 No 3 (2024): Desember 2024
Publisher : Institut Teknologi dan Bisnis Kristen Bukit Pengharapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61696/juparita.v2i3.529

Abstract

Penelitian ini dilakukan untuk mengetahui potensi wisata alam SETIGI sebagai salah satu wisata halal yang berada di Desa Sekapuk, Kec. Ujungpangkah, Kab. Gresik. Penelitian ini juga menganalisis peran wisata alam SETIGI dalam mewujudkan Sustainable Development Goals (SDGs) khususnya di wilayah desa. Jenis penelitian dilakukan dengan menggunakan metode kualitatif dimana data yang diperoleh akan diolah terlebih dahulu kemudian dianalisis dan di deskripsikan untuk mengetahui kecocokan landasan teori yang digunakan peneliti dengan keadaan yang ada di lapangan. Teknik pengumpulan data dilakukan dengan melakukan wawancara dan studi kepustakaan. Hasil penelitian menunjukkan bahwa wisata alam SETIGI yang berada di Desa Sekapuk, Kab. Gresik ini termasuk dalam wisata halal menurut standar yang telah ditetapkan oleh Global Muslim Travel Index (GMTI). Wisata alam SETIGI juga merealisasikan beberapa target SDGs Desa yaitu tujuan-1 (Desa Tanpa Kemiskinan), tujuan-2 (Desa Tanpa Kelaparan), tujuan-4 (Pendidikan Desa Berkualitas), tujuan ke-5 (Keterlibatan perempuan Desa), tujuan-8 (Pertumbuhan Ekonomi Desa Merata), tujuan-9 (Infrastruktur dan Inovasi Desa Sesuai Kebutuhan, tujuan-17 (Kemitraan untuk Pembangunan Desa), serta tujuan ke-18 (Kelembagaan Desa Dinamis dan Budaya Desa Adaptif).