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Strategi Penyaluran Pembiayaan Usaha Mikro Kecil Dan Menengah Di Bank Syariah Mandiri : (Studi Bank Syariah Mandiri Kantor Cabang Pasuruan) Rachmad Nor Firman; Ismatul Azizah
Tasharruf : Journal of Islamic Economics and Business Vol. 1 No. 1 (2020): Mei
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

This study aims to determine the financing distribution strategy for micro, small and medium enterprises (MSMEs) at Bank Mandiri Syariah Pasuruan Branch Office. The research method used is descriptive qualitative analysis research method with technical data analysis used is phenomenological analysis. The results of the study resulted in several conclusions, namely first, in the distribution of MSME financing, Bank Syariah Mandiri divided into several segments, namely the fixed income group customer segment, business customer segment, community segment and regional segment. Second, the strategies implemented in the distribution of MSME financing are market penetration strategies or marketing, product manual strategies, strategies for cooperating with agencies, walk-in and existing customer strategies and promotion strategies. Then there are several obstacles from the distribution of MSME financing

Laju Percepatan Perkembangan Perbankan Syariah Melalui Penerapan Tata Kelola Syariah Rachmad Nor Firman; Muhammad Alwi
Tasharruf : Journal of Islamic Economics and Business Vol. 1 No. 1 (2020): Mei
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

The growth and development of the Indonesian Islamic banking industry shows an increasing graph, although experiencing a slowdown. Data published by OJK shows that national Islamic banking contributed 4.81% to the market share with asset growth getting 1197% as of June 2018. At the global level, the Islamic financial services sector, including banking, controls 3% and together with Qatar, Saudi Arabia, Malaysia, the United Arab Emirates and Turkey are the driving forces of Islamic finance in the future. One of the strategic issues that becomes an obstacle is the public's misperception of Islamic banking regarding contracts, products and services that do not comply with sharia principles. Implementation of governance is an effort to accelerate the growth of Islamic banking.

Hubungan Antara Modal Manusia (Human Capital) dan Modal Finansial (Financial Capital) dengan Partisipasi Anggota Lembaga Masyarakat Desa Hutan (LMDH) dalam Program Pengelolaan Hutan bersama Masyarakat (PHBM) Rachmad Nor Firman; Aqidatus Sholikha
Tasharruf : Journal of Islamic Economics and Business Vol. 1 No. 2 (2020): November
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

This research is an explanatory research, while the method used is a survey method in Tlekung Village, Junrejo District, Batu City. In this study, 24 samples were determined based on simple random sampling. Data analysis used descriptive analysis and Rank Spearman correlation analysis. The results in this study are as follows: 1) The human capital condition of LMDH members is in the high category and the financial capital of LMDH members is in the medium category. 2) LMDH members' participation in this PHBM program is in the high category. 3) There is a positive relationship between human capital and the participation of LMDH members in the Community Forest Management Program (PHBM), and there is no relationship between financial capital and the participation of LMDH members in the PHBM program. Further research is needed regarding the participation of LMDH members on forest management in the PHBM Program with the condition of human capital, for example regarding different levels of education and financial capital or on the factors that influence them, so that better government policies can be formulated in the forestry sector, especially related to Community Forest Management (PHBM) program.

Peranan Akuntansi Pertanggung Jawaban dalam Pengendalian Manajemen pada Bank Syariah Rachmad Nor Firman; Dikril Faizun
Tasharruf : Journal of Islamic Economics and Business Vol. 1 No. 2 (2020): November
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

The form of line management accountability in Islamic banks is something that needs to be considered. Accountability needs to be pursued because this is to protect assets from theft, embezzlement, misuse or placement of assets in inappropriate locations. Thus, every line management of Islamic banks needs to use responsibility accounting as a control in management control. Accountability accounting in Islamic banking is present because of the decentralized form of responsibility and authority applied by the top management of the Islamic bank. effectiveness and efficiency as well as the state of the bank they lead. So that top management can make the right business decisions for the existence of Islamic banks in the future.

Tingkat Pemahaman Produk, Difirensiasi, Dan Kualitas Sumberdaya Manusia Atas Keputusan Nasabah Perbankan Syariah Rachmad Nor Firman; Novi Dian Pertiwi
Tasharruf : Journal of Islamic Economics and Business Vol. 2 No. 1 (2021): Mei
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

The growing growth of the banking industry creates increasingly fierce competition between the Islamic banking industry, so that it will make consumers have many alternative choices before deciding which bank to go to to conduct Islamic banking transactions. This study aims to reveal the level of understanding of the quality of customer human resources on customer decisions, perceptions of product differentiation on customer decisions. This study uses qualitative research, data collected by means of interviews (interviews), observation, documentation and then analyzed by descriptive analysis method. The research results prove that customer perceptions of product differentiation, level of product understanding, and quality of human resources have a positive influence on customer decisions in Islamic banking. use the services of Islamic banking.

Analisis Faktor yang Mempengaruhi Peningkatan Nasabah di Bank BTN Syariah Kota Pasuruan dimasa Pandemi Rachmad Nor Firman; Siti Ilfiah
Tasharruf : Journal of Islamic Economics and Business Vol. 2 No. 2 (2021): November
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

The current condition of the corona pandemic in indonesia has been running for almost a year, of course, people want to have this pandemic over quickly. However, when the situation has not improved as before and is still required to undergo new normal activities. This pandemic has changed our behavior in carrying out daily activities, including in terms of the world of work. Employed performance will greatly affect the progress of the company and its customers. Good performance will result in good business development of this company. On the contrary, poor performance will also have a bad impact on the company. Therefore, to support good performance it is necessary to increase the target customer. The purpose of this study is to analyze the effect on increasing BTN Syariah customers during the pandemic. The research method used uses quantitative descriptive. The results showed that the work environment has a positive influence on customers, especially customers will be a affaected by products in BTN Syariah Pasuruan City, one of which is he deposit savings product whose distribution for the results is higher. BTN Syariah continues to increase its target from month to month even to the point of having a target by increasing the realization of cunsumer financing 0 to 28,690 M as of December 31,2021.

Analisa Produk Tabungan BSI dalam Menarik Minat Nasabah Rachmad Nor Firman; Siti Ilfiah
Tasharruf : Journal of Islamic Economics and Business Vol. 3 No. 1 (2022): Mei
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Bank Syariah Indonesia Pasuruan Branch is one of the banks operating based on sharia principles that offers products for raising funds and distributing funds, one of which is BSI savings. This BSI savings account is based on sharia principles with a mudharabah muthlaqah contract. This study uses primary data and secondary data. The results showed that the marketing strategy of BSI's savings products was to attract customers' interest. Bank Syariah Indonesia Pasuruan Branch has been running well, from promoting, socializing, distributing brochures and participating in certain events. In addition, the existence of Bank Syariah Indonesia Pasuruan Branch is very helpful for customers to open various kinds of savings provided by Bank Syariah Indonesia Pasuruan Sub-Branch Office.

Digitalisasi Ekonomi Syariah dalam 12 Aspek Isomorfisme: Kontekstual Indonesia Rachmad Nor Firman
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 7 No 2 (2023)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/jihbiz.v7i2.2913

The digitalization of the Islamic economy can penetrate various aspects of the economy, both microeconomics and macroeconomics. Right now, the role of digital is extraordinary; almost all economies use information and communication technology or digitization, both in packaging products and in marketing products, making it easier and faster the distribution information used to make economic growth faster and without limits with the support digital technology and information technology. Information technology that has penetrated individuals (personal) can support the era of digitalization of information and communication in conventional economics and Islamic economics; this technology is now in the hands of gadget users, such as mobile applications, which can be downloaded and installed with features easily understood by users. Likewise, in the banking world, in carrying out its activities, Islamic banking cooperates with the information technology sector to build an Islamic banking information system by creating a special application (app) that can facilitate all transaction processes in banking. So, the formation of a digital society, one of which is the digital Islamic economy.

Strategi Penyaluran Pembiayaan Usaha Mikro Kecil Dan Menengah Di Bank Syariah Mandiri : (Studi Bank Syariah Mandiri Kantor Cabang Pasuruan) Nor Firman, Rachmad; Azizah, Ismatul
Tasharruf : Journal of Islamic Economics and Business Vol. 1 No. 1 (2020): Tasharruf : Journal of Islamic Economics and Business (Mei)
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v1i1.63

This study aims to determine the financing distribution strategy for micro, small and medium enterprises (MSMEs) at Bank Mandiri Syariah Pasuruan Branch Office. The research method used is descriptive qualitative analysis research method with technical data analysis used is phenomenological analysis. The results of the study resulted in several conclusions, namely first, in the distribution of MSME financing, Bank Syariah Mandiri divided into several segments, namely the fixed income group customer segment, business customer segment, community segment and regional segment. Second, the strategies implemented in the distribution of MSME financing are market penetration strategies or marketing, product manual strategies, strategies for cooperating with agencies, walk-in and existing customer strategies and promotion strategies. Then there are several obstacles from the distribution of MSME financing

Laju Percepatan Perkembangan Perbankan Syariah Melalui Penerapan Tata Kelola Syariah Nor Firman, Rachmad; Alwi, Muhammad
Tasharruf : Journal of Islamic Economics and Business Vol. 1 No. 1 (2020): Tasharruf : Journal of Islamic Economics and Business (Mei)
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v1i1.67

The growth and development of the Indonesian Islamic banking industry shows an increasing graph, although experiencing a slowdown. Data published by OJK shows that national Islamic banking contributed 4.81% to the market share with asset growth getting 1197% as of June 2018. At the global level, the Islamic financial services sector, including banking, controls 3% and together with Qatar, Saudi Arabia, Malaysia, the United Arab Emirates and Turkey are the driving forces of Islamic finance in the future. One of the strategic issues that becomes an obstacle is the public's misperception of Islamic banking regarding contracts, products and services that do not comply with sharia principles. Implementation of governance is an effort to accelerate the growth of Islamic banking.

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