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IMPLEMENTASI PRINSIP-PRINSIP GOOD CORPORATE GOVERNANCE DI KSPPS BMT SALAFIYAH SUKOREJO SUMBEREJO BANYUPUTIH KABUPATEN SITUBONDO: Indonesia Imroatus Sholiha
LISAN AL-HAL: Jurnal Pengembangan Pemikiran dan Kebudayaan Vol. 15 No. 1 (2021): JUNI
Publisher : LP2M Universitas Ibrahimy

A Cooperative is a financial institution that aims to prosper its members. In addition to conventional cooperatives, there are now sharia cooperatives which in carrying out their operations use sharia principles. KSPPS BMT Salafiyah is one of them, KSPPS BMT Salafiyah is a savings and loan cooperative and sharia financing owned by the Salafiyah Syafi'iyah Islamic Boarding School Sukorejo. BMT is the closest Islamic financial institution to the community. And to maintain public trust in BMT, transparency, accountability, responsibility, professionalism, and fairness are needed in carrying out its operations. This study discusses Good Corporate Governance (GCG) in which there are 5 principles. The focus of the problem in this research are: first, how is the implementation of GCG principles in KSPPS BMT Salafiyah Sukorejo Sumberejo Banyuputih Situbondo?; second, what are the obstacles faced in implementing the principles of GCG in KSPPS BMT Salafiyah Sukorejo Sumberejo Banyuputih Situbondo? The purpose of this research is to describe how the implementation of GCG principles in KSPPS BMT Salafiyah and what are the obstacles in implementing GCG principles in KSPPS BMT Salafiayah Sukorejo Sumberejo Banyuputih Situbondo. This study uses a qualitative descriptive method and uses the instruments of observation, interviews, and documentation. Meanwhile, the data analysis uses descriptive analysis technique, which describes qualitatively when conducting research, with an emphasis on the Implementation of Good Corporate Governance (GCG) Principles at KSPPS Salafiyah Sukorejo Sumberejo Banyuputih Situbondo. The result of this research is that KSPPS BMT Salafiyah implements 5 principles of GCG, namely transparency, accountability, responsibility, professionalism, and fairness. And for the obstacles faced in implementing GCG, KSPPS BMT Salafiyah experienced obstacles in internal factors, namely the ebb and flow of employee discipline in carrying out their duties or obligations, the effort they made was to apply rules to employees to come to the office before 8 o'clock and give rewards to employees with high discipline.

Eksistensi Perbankan Syariah di Indonesia Imroatus Sholiha
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 4 No 1 (2018): January
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (662.34 KB)

This article aims to find out the existence of Islamic banking in Indonesia, This research uses qualitative descriptive research method. In this descriptive qualitative research, the researcher uses literature study which is searching information through books, magazines, journals, SPS OJK date, reference books, and other sources either in written form or in relevant digital format and related to research study object. The results of this study show that sharia banking first started to enter Indonesia in 1992 pioneered by Bank Muamalat Indonesia (BMI) until now its existence still exist and develop rapidly. Visible from year to year the number of sharia banking office experienced a rapid growth yaiitu increasing number of offices spread throughout the province in Indonesia both Sharia (BUS), Syariah Business Unit (UUS) and BPRS. For the branch network of BUS and UUS in 2016 for KPO / KC as much as 623, KCP/UPS as many as 1,342 and KK as many as 240. While the number of BPRS in Iindonesia in 2012 as many as 158 and increased in 2016 to 166. So is the number of customers who save money and take the number of pembisiyaan increasingly increasing year in 2014 the number of customers BUS Dan UUS as much as 11,444,013 and increased in 2016 to 18. 521.121. As for the number of accounts both DPK and Financing also increased from year to year. For the DPK of 2014 the number is 14,386,575 and increased in 2016 to 22. 198.718, and for financing, receivables and greetings in the year 2014 amounted to 3. 769,181 in 2016 increased to 4,515,930.

Bisnis dalam Pandangan Islam Imroatus Sholiha
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 5 No 2 (2019): June
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (261.145 KB)

Business is a very important thing in the economy, Islam sees business as having to be done but must comply with the rules that have been regulated in Islam. This article aims to provide information to readers both students who are prospective entrepreneurs, prospective entrepreneurs / wati so they can understand in theory how they should and should be a businessman in accordance with Islamic teachings. And it is also hoped that this writing will become an enlightenment for traders and entrepreneurs. The research method used in this article is descriptive qualitative. The descriptive technique used is library research, which is data collection by conducting study studies of books, literature, notes, and reports that have to do with the problem being solved. This research also examines written sources such as scientific journals, reference books, literature, etc. related to research studies. And the results of this study are that there are some values that must be applied by business people in doing business including honesty, fairness, oneness. Honesty in business, honesty in production, honesty in selling, honesty in gaining profit. While the value in justice is fairness in business, justice in production, fairness in selling, justice in gaining profit. And the next value is the value of oneness, namely oneness in production, oneness in selling and oneness in gaining profit. There are also some behaviors in the business that have been regulated in Islam that must also be obeyed by Muslim businessmen, among others, first arranging intentions because business activities in Islam are not free from values, meaning they are bound by values derived from Divine teachings. The second makes aqeedah (tauhid) as the basis of business activities. Third, avoid usury in dirty transactions, and the fourth, do business with a conscience.

Eksistensi Perbankan Syariah di Indonesia Imroatus Sholiha
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 4 No 1 (2018): January
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (806.35 KB)

This article aims to find out the existence of Islamic banking in Indonesia, This research uses qualitative descriptive research method. In this descriptive qualitative research, the researcher uses literature study which is searching information through books, magazines, journals, SPS OJK date, reference books, and other sources either in written form or in relevant digital format and related to research study object. The results of this study show that sharia banking first started to enter Indonesia in 1992 pioneered by Bank Muamalat Indonesia (BMI) until now its existence still exist and develop rapidly. Visible from year to year the number of sharia banking office experienced a rapid growth yaiitu increasing number of offices spread throughout the province in Indonesia both Sharia (BUS), Syariah Business Unit (UUS) and BPRS. For the branch network of BUS and UUS in 2016 for KPO / KC as much as 623, KCP/UPS as many as 1,342 and KK as many as 240. While the number of BPRS in Iindonesia in 2012 as many as 158 and increased in 2016 to 166. So is the number of customers who save money and take the number of pembisiyaan increasingly increasing year in 2014 the number of customers BUS Dan UUS as much as 11,444,013 and increased in 2016 to 18. 521.121. As for the number of accounts both DPK and Financing also increased from year to year. For the DPK of 2014 the number is 14,386,575 and increased in 2016 to 22. 198.718, and for financing, receivables and greetings in the year 2014 amounted to 3. 769,181 in 2016 increased to 4,515,930.

Bisnis dalam Pandangan Islam Imroatus Sholiha
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 5 No 2 (2019): June
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (677.109 KB)

Business is a very important thing in the economy, Islam sees business as having to be done but must comply with the rules that have been regulated in Islam. This article aims to provide information to readers both students who are prospective entrepreneurs, prospective entrepreneurs / wati so they can understand in theory how they should and should be a businessman in accordance with Islamic teachings. And it is also hoped that this writing will become an enlightenment for traders and entrepreneurs. The research method used in this article is descriptive qualitative. The descriptive technique used is library research, which is data collection by conducting study studies of books, literature, notes, and reports that have to do with the problem being solved. This research also examines written sources such as scientific journals, reference books, literature, etc. related to research studies. And the results of this study are that there are some values that must be applied by business people in doing business including honesty, fairness, oneness. Honesty in business, honesty in production, honesty in selling, honesty in gaining profit. While the value in justice is fairness in business, justice in production, fairness in selling, justice in gaining profit. And the next value is the value of oneness, namely oneness in production, oneness in selling and oneness in gaining profit. There are also some behaviors in the business that have been regulated in Islam that must also be obeyed by Muslim businessmen, among others, first arranging intentions because business activities in Islam are not free from values, meaning they are bound by values derived from Divine teachings. The second makes aqeedah (tauhid) as the basis of business activities. Third, avoid usury in dirty transactions, and the fourth, do business with a conscience.

Green Sukuk Sebagai Upaya Pemerintah Dalam Mewujudkan Lingkungan Hijau Imroatus Sholiha
At-Tasharruf "Jurnal Kajian Ekonomi dan Bisnis Syariah" Vol 4, No 1 (2022): At-Tasharruf
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/at.v4i1.7927

AbstractGreen sukuk is an innovative Sharia-based financing that finances green projects that aim to create a green environment. Indonesia became the first country to issue green sukuk and received appreciation from other countries. The government's commitment in overcoming climate change is to make several regulations, including regulations on climate change mitigation, namely making a guide or guideline in implementing action plans in an effort to reduce greenhouse gas emissions, climate change adaptation regulations, and making strategy guidelines and action plans for biodiversity. Through Law No. 16 of 2016 concerning the work plan for the United Nations, the Indonesian government has also ratified the conversion of climate change and Indonesia is one of the countries that seriously and without coercion participates in the movement to reduce greenhouse gas emissions. Some of the projects that have been financed by the green sukuk are the construction of 491 road and bridge projects, the construction of 85 transportation sector projects, the construction of 589 water resources projects, the development of the agricultural sector, the development of 762 projects in the education sector, the construction of 21 National Defense and Security parks, construction and rehabilitation, construction and development of 19 laboratories. While the obstacles in developing green sukuk in Indonesia are the lack of human resources, lack of socialization, green sukuk may be exposed to a higher profile, as well as the many characters of each investor that make market share difficult to predict. The research approach used is descriptive qualitative, that is, in describing the research results, it does not use numbers but words. While the research method used is the library method.

Eksistensi Obligasi Syariah (Sukuk) Korporasi di Indonesia pada Masa Pandemi Imroatus Sholiha; Nani Hanifah
Istidlal: Jurnal Ekonomi dan Hukum Islam Vol 5 No 2 (2021)
Publisher : Program Pascasarjana Universitas Ibrahimy

This article explained how the existence of corporate sharia bonds (Sukuk) during the pandemic. Sukuk was one of the instruments owned by Islamic financial institutions, namely the Islamic capital market. The existence of the coronavirus had existed for one year. By using the library research method, and using qualitative descriptive, namely the method by describing and interpreting the existence of Islamic bonds (Sukuk) in the pandemic period qualitatively, namely the description and description in words based on library data, journal articles, OJK and related data. The data collection method used the documentation method then the data was processed so that it completes this article. The results showed that the record was the outstanding value of Sukuk from 2016 to January 2021 had increased from 11.88 trillion to 30.25 trillion. Meanwhile, the number of outstanding Sukuk had experienced a good development from 2016-January 2021, namely from 53 to 161. And the accumulated value of Sukuk issuance had also increased, from 2016-January 2021 from 20.43 trillion to 55.15 trillion. Meanwhile, the accumulated number of Sukuk issuances also increased from 102 to 274.

TELAAH ILMIAH INDUSTRI KEUANGAN NON-BANK (INBK) SYARIAH DAN EKSISTENSINYA DI INDONESIA PASCA COVID-19 Imroatus Sholiha
Al-Idarah Vol 4 No 1 (2023): Al-Idarah : Jurnal Manajemen dan Bisnis Islam
Publisher : Fakultas Syariah dan Ekonomi Islam Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/idarah.2023.v4i1.1-25

The purpose of this study is to examine Islamic financial institutions that are included in the Islamic Non-Bank Financial Industry (IKNB) and how they exist in Indonesia after Covid-19. The institutions studied in this study are Islamic insurance, Islamic financing institutions, Islamic pension funds, Islamic special financial services institutions, Islamic micro institutions, and Islamic fintech. The research used literature, namely research by examining several literature related to the issues raised and then reported qualitatively descriptively. The results showed that when the Covid-19 pandemic hit, IKNB Syariah experienced a decline in performance in several sectors, but overall it was still able to survive and grow positively, as evidenced by an increase in assets in 2021 of 4.409 billion from the previous year. Post-covid-19 Sharia IKNB assets in March 2022 amounted to 126.236 billion, an increase in November of 143.971 billion. IKNB Syariah has shown its existence after Covid-19.

Efektifitas Perkembangan Bank Syariah di Indonesia Pasca Covid 19 Imroatus Sholiha
Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Vol 9 No 1 (2023): Jurnal Ekonomica Sharia : Jurnal Pemikiran dan Pengembangan Ekonomi Syariah - Agu
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/esha.v9i1.675

Tujuan penelitian ini untuk mengetahui perkembangan perbankan syariah pasca covid-19, Penelitiannya berupa penelitian pustaka dengan metode penelitian kualitatif deskriptif. Hasil penelitiannya, CAR berada pada peringkat sangat sehat dengan prosentase 23,25%, meskipun mengalami penurunan sebesar 2,46% dari tahun 2021. ROA berada di peringkat sangat sehat yaitu sebesar 2,04%, sedangkan saat covid-19 hanya berada diperingkat sehat. BOPO pasca covid-19 dinyatakan sangat sehat dengan prosentase sebesar 77,91%. FDR saat covid-19 berada diperingkat sehat kemudian pasca covid-19 naik peringkat menjadi sangat sehat dengan prosentase sebesar 74,04%. NPF sejak covid-19 sampai pasca covid-19 tetap berada pada peringkat baik. KAP menunjukkan kinerja sangat baik sejak covid sampai pasca covid-19. Begitu juga perkembangan asetnya terus mengalami peningkatan dari tahun ke tahun. Asset perbankan syariah pasca covid-19 sebesar 703.167 miliar, naik sebesar 26.432 miliar dari tahun sebelumnya. Untuk surat berharga yang dimiliki dan diterbitkan mengalami kenaikan di tahun 2019-2021, mengalami penurunan di tahun 2022 sebesar 439 miliar dan 3.267 miliar. Sedangkan untuk jumlah rekening pembiayaan dan DPK mengalami kenaikan yang konsisten dari tahun ke tahun. Pasca covid-19 jumlah rekening pembiayaan dan DPK sebesar 38.056.603 dan 5.198.067. Disimpulkan bahwa perkembangan bank syariah pasca covid-19 berjalan efektif dan sangat baik.

Efektifitas Penerapan Marketing Strategy dalam Upaya Meningkatkan Minat Belanja Konsumen di Swalayan Salafiyah Sukorejo Banyuputih Situbondo Imroatus Sholiha; Lusi Oktaviani
Serat Acitya Vol. 12 No. 2 (2023): Oktober: Jurnal Ilmiah Serat Acitya
Publisher : Universitas 17 Agustus 1945

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/sa.v12i2.1186

The high interest of the Indonesian people in retail supermarkets makes competition for retail supermarkets increasingly high, so that appropriate and effective marketing strategies are needed. This research examines the effectiveness of marketing strategy implementation in an effort to increase consumer shopping interest at the Salafiyah Sukorejo Banyuputih Situbondo supermarket. This research is a field study using descriptive qualitative research methods, namely the reporting is described and conveyed in words. The data sources used use primary and secondary data, while the data collection techniques use observation, interviews and documentation. The validity of the data uses triangulation. The results of the research show that the marketing strategies carried out at Salafiyah supermarkets are very effective, although not all marketing strategy theories are implemented by Salafiyah supermarkets, but Salafiyah supermarkets' income increases from year to year due to implementing several marketing strategies that they implement in combination with several existing marketing strategy theories. Meanwhile, the obstacles faced in implementing marketing strategies include the lack of quantity of human resources and the lack of knowledge of human resources regarding retail supermarket marketing strategies.

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