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All Journal I-ECONOMICS: A Research Journal on Islamic Economics Jurnal Dimensi Jurnal Ilmiah Ekonomi Islam Gulawentah:Jurnal Studi Sosial NISBAH: JURNAL PERBANKAN SYARIAH Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Adzkiya : Jurnal Hukum dan Ekonomi Syariah Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Ilmiah Edunomika (JIE) Dialektika: Jurnal Ekonomi dan Ilmu Sosial Tasharruf: Journal Economics and Business of Islam KONSEP DAN TUJUAN PADA TINJUAN BISNIS SYARIAH Jurnal Iqtisaduna Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Perbanas Journal of Islamic Economics and Business Journal of Islamic Economics Lariba Al-Infaq: Jurnal Ekonomi Islam International Journal of Economics, Business and Innovation Research
Khusnudin Khusnudin, Khusnudin
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Jurnal Ilmiah Edunomika (JIE)

 1 
FENOMENA PEMBIAYAAN BAGI HASILPADA BMT UGT NUSANTARA DI PASURUAN Soleh, Badrus; Ridwan, Muhtadi; Khusnudin, Khusnudin
JURNAL ILMIAH EDUNOMIKA Vol 8, No 4 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i4.16167

Abstract

This research aims to analyze the obstacles that are factors in the lack of profit sharing financing at BMT UGT Nusantara. This research uses a qualitative approach with phenomenological methods to examine the process of determining financing schemes, implementing profit sharing financing and identifying the causes of the lack of profit sharing financing at BMT UGT Nusantara. Data collection was carried out through in-depth interviews with informants such as financial managers, business managers, branch heads, account officers and members of BMT UGT Nusantara. Apart from that, field observations and analysis of financing documents were also carried out to obtain a comprehensive picture.  Data analysis was carried out using three analytical steps suggested by Miles and Huberman (2007), namely data reduction, data exposure and conclusion drawing or verification. The results of this research indicate that determining the financing scheme is the internal authority of BMT UGT Nusantara with the knowledge and approval of members. Financing with a profit sharing scheme is only used for companies that are already established, while small businesses use non-profit sharing financing. The lack of financing with a profit sharing scheme is due to several obstacles such as high risk, quality of human resources, asymmetric information, moral hazard, minimal understanding of members and member preferences.
IMPLEMENTASI UANG DIGITAL (E-MAAL) SEBAGAI UPAYA EFEKTIFITAS KEUANGAN SANTRI (STUDI DI PONDOK PESANTREN SIDOGIRI) Zulmi, Nizar; Munir, Misbahul; Khusnudin, Khusnudin
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 1 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

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

Abstract

The trend phenomenon of using electronic money in digital payments has become a step towards digital transformation in the field of finance. Easier, more transparent financial services that align with Islamic principles are driving Sidogiri Islamic boarding school to innovate with the goal of achieving the school's independence. This research aims to analyze the implementation of digital money (e-Maal) at Sidogiri Islamic boarding school and to assess its implementation effectiveness at Sidogiri Islamic boarding school. The method used is qualitative research by collecting data through observation, interviews, and direct fieldwork. The differences between this research and previous studies are the sample, implementation results, and detailed explanations related to the implementation as well as the effectiveness factors in its application. The research results show that the implementation of digital money (e-Maal) at Sidogiri Islamic boarding school began in 2017 and has continuously developed, showing effective results in its application. The implications of this research indicate that the implementation of digital money can also be applied to other Islamic boarding schools.
FENOMENA PEMBIAYAAN BAGI HASILPADA BMT UGT NUSANTARA DI PASURUAN Soleh, Badrus; Ridwan, Muhtadi; Khusnudin, Khusnudin
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 4 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i4.16167

Abstract

This research aims to analyze the obstacles that are factors in the lack of profit sharing financing at BMT UGT Nusantara. This research uses a qualitative approach with phenomenological methods to examine the process of determining financing schemes, implementing profit sharing financing and identifying the causes of the lack of profit sharing financing at BMT UGT Nusantara. Data collection was carried out through in-depth interviews with informants such as financial managers, business managers, branch heads, account officers and members of BMT UGT Nusantara. Apart from that, field observations and analysis of financing documents were also carried out to obtain a comprehensive picture.  Data analysis was carried out using three analytical steps suggested by Miles and Huberman (2007), namely data reduction, data exposure and conclusion drawing or verification. The results of this research indicate that determining the financing scheme is the internal authority of BMT UGT Nusantara with the knowledge and approval of members. Financing with a profit sharing scheme is only used for companies that are already established, while small businesses use non-profit sharing financing. The lack of financing with a profit sharing scheme is due to several obstacles such as high risk, quality of human resources, asymmetric information, moral hazard, minimal understanding of members and member preferences.
Co-Authors Annisya, Lusy AUNUR ROFIQ Ayati, Nufasilul Billah, Zahida I'tisoma Edi Priyono Eko Suprayitno FACHROZI. F Ferdinand, Niki Rio Haryanti, Peni Hasanah, Devi Homsatun Hisnidah, Mukaromatul Januari, Anas Tania Khusnia, Chinta Misbahul Munir Moh. Ihsan Mukhtar, Muhammad Naufal Nizar Zulmi Nur Asnawi Ridwan, Muhtadi Rinawati, Ika Rohmah, Rodyah Awallul S Siswanto Sandy, Niken Baramurti Evieta Enggar SOLEH, BADRUS Solehatin, Fira Syahirul Alim Syauqillah, Muhammad Ummah, Dewi Roichatul Umrotul Khasanah ZURAIDAH ZURAIDAH