Article Per Year (5 Year)
p-Index From 2021 - 2026
9.388
P-Index
This Author published in this journals
All Journal Jurnal Pendidikan Vokasi Shirkah: Journal of Economics and Business Journal of Aquaculture and Fish Health JIEB : Jurnal Ilmiah Ekonomi Bisnis Bertuah : Jurnal Syariah dan Ekonomi Islam Tsaqafatuna: Jurnal Ilmu Pendidikan Islam IJECS: Indonesian Journal of Empowerment and Community Services Jurnal Relevansi : Ekonomi, Manajemen dan Bisnis Idarotuna : Jurnal of Administrative Science Tasharruf: Journal of Islamic Economics and Business Journal of Islamic Education Counseling Revenue : Jurnal Ekonomi Pembangunan dan Ekonomi Islam Digital Bisnis: Jurnal Publikasi Ilmu Manajemen Dan E-commerce Moderasi : Journal of Islamic Studies Jurnal Serambi Ekonomi dan Bisnis Revenue Journal: Management and Entrepreneurship Maslahah: Jurnal Manajemen dan Ekonomi Syariah JEBD Neraca Manajemen, Akuntansi, dan Ekonomi Assyfa Journal of Islamic Studies JGEN : Jurnal Pengabdian Kepada Masyarakat Proceeding of International Conference on Humanity Education and Society Seroja Husada: Jurnal Kesehatan Masyarakat PENG: Jurnal Ekonomi dan Manajemen Al-Risalah Jurnal Studi Agama dan Pemikiran Islam Tasharruf : Journal of Islamic Economics and Business Jurnal Ekonomi Syariah Ekopedia: Jurnal Ilmiah Ekonomi Jurnal of Islamic Economic Studies Cashless
Saiful Bakhri
Sekolah Tinggi Agama Islam Salahuddin Pasuruan, Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Veterinary Other

Published : 79 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 24 Documents
Search
Journal : Cashless

 1   2   3 
Analisis Hukum Islam Terhadap Pinjaman Uang Elektronik: (Studi Kasus Aplikasi Shopee PayLater) Ni’matush Sholihah; Adek Nuriya; Saiful Bakhri
Cashless : Journal of Sharia Finance and Banking Vol. 1 No. 1 (2023): Cashless : Journal of Sharia Finance and Banking (April)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

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

Abstract

The aim of this research is to investigate the practice of Shopee PayLater among users of the Shopee application and to examine the Islamic legal perspective on the practice of electronic money lending through Shopee PayLater. This is a field research study that is descriptive in nature, and the analysis of data is conducted using a qualitative descriptive method. The findings of this research indicate that the practice of Shopee PayLater on the Shopee application involves borrowing money that is paid back in installments with varying interest rates. The due date for payment is on the 5th day of the following month after the borrowing. A late payment penalty of 5% of the amount to be paid is charged if payment is delayed. Islamic legal perspective on the practice of electronic money lending through Shopee PayLater highlights that while the Shopee PayLater practice from the Shopee marketplace already incorporates Islamic values in its transactions, it still involves riba (interest), the addition of extra charges to the principal debt, and other additional charges that burden the borrower. Additionally, there is a provision for penalties or fines for late payment, which goes against Islamic principles. These aspects of the practice should be addressed to comply with Islamic law.
Strategi Peningkatan Layanan Customer Dengan Program Telesales Dalam Meningkatkan Kepuasan Pelanggan Pada Bisnis Jasa Pengiriman Barang Saiful Bakhri; Fi’satil Kamila
Cashless : Journal of Sharia Finance and Banking Vol. 1 No. 1 (2023): Cashless : Journal of Sharia Finance and Banking (April)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/cashless.v1i1.243

Abstract

The rapid development of the e-commerce ecosystem is referred to by the majority of logistics players as a fertile climate for the growth of the logistics industry, especially courier service players and expedition services. The growth of e-commerce from 2020 to 2021 grew quite significantly, double digits. The estimate is more than 40 percent. And still waiting for the final data but still confident growth above 40 percent year-on-year, research in a qualitative approach is needed, because for data collection. In qualitative research, the presence of researchers as an instrument as well as data collectors. Data collection is a procedure for obtaining data systematically by using observation, interviews, and documentation. The variables that will be tested in this study are telesales, customer service, customer satisfaction. Keyword : customer service; telesales; customer satisfaction; freight forwarding service
S Strategi Penanganan Pembiayaan Bermasalah Pada BPRS Daya Artha Mentari Pasuruan: Strategi Penanganan Pembiayaan Bermasalah Siti Ilfiah; Saiful Bakhri; Ilham Wahyudi
Cashless : Journal of Sharia Finance and Banking Vol. 1 No. 2 (2023): Cashless : Journal of Sharia Finance and Banking (Oktober)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/cashless.v1i2.322

Abstract

Problematic financing can affect the income of BPRS Daya Artha Mentari Pasuruan. This requires treatment to overcome problematic financing. The aim of this research is to find out the strategy for handling problematic financing carried out by BPRS Daya Artha Mentari Pasuruan. This research is field research with a qualitative approach. The research results discuss problematic financing caused by two factors, namely internal factors (coming from BPRS Daya Arha Mentari Pasuruan) and external factors (coming from members). Handling problematic financing at BPRS Daya Arha Mentari Pasuruan by contacting members by telephone, SP warnings, billing directly to the customer's location, conducting customer negotiations through rescheduling, Reconditioning, Restructuring, and confiscation of collateral.
THE STRATEGIES TO IMPROVE SERVICE QUALITY THROUGH DIGITALIZATION OF JCONNECT MOBILE BANKING AT BPD EAST JAVA: STRATEGI PENINGKATAN KUALITAS PELAYANAN MELALUI DIGITALISASI MOBILE BANKING JCONNECT PADA BPD JAWA TIMUR Dikril Faizun; Saiful Bakhri; Sultan Hasanudin
Cashless : Journal of Sharia Finance and Banking Vol. 1 No. 2 (2023): Cashless : Journal of Sharia Finance and Banking (Oktober)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/cashless.v1i2.324

Abstract

JConnect Mobile Banking is one of the innovative products and services of Bank Jatim based on e-channel, which allows the Bank to provide services to its customers through mobile phones using mobile applications on android and iOS platforms that use internet data packages in transactions. This research is descriptive research that aims to collect actual information in detail that explains the Strategy for Improving Service Quality Through Digitalization of Mobile Banking Jconnect at BPD East Java. Mobile banking via cell phones is very easy to understand, does not incur additional costs, and has security features that ensure banking transactions are carried out safely and securely.
Analisis Faktor – Faktor Terjadinya Pembiayaan Bermasalah Tanpa Agunan dan Strategi Penanganannya Di Lembaga Keuangan Mikro Syariah Dokma Kampus Center Pasuruan lutfiyah; Hilda Sanjayawati; Saiful Bakhri
Cashless : Journal of Sharia Finance and Banking Vol. 1 No. 2 (2023): Cashless : Journal of Sharia Finance and Banking (Oktober)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/cashless.v1i2.325

Abstract

The purpose of this study was to find out what are the factors that cause problematic financing on qardhul hasan products and how to deal with problematic financing on qardhul hasan at the Dokma Islamic microfinance institution, Pasuruan Center Campus. In an effort to achieve these goals, this study uses a qualitative descriptive approach in collecting data. The authors use primary data sources taken from observation and interviews, as well as secondary data in the form of literature studies and other documentation.The results of this study are that what causes problematic financing in qardhul hasan financing products at the Dokma Syariah Center Campus Pasuruan Microfinance Institution are internal factors and external factors. Internal factors are the inaccuracy of financing officers or cooperatives in analyzing the character of prospective members, and external factors are factors that occur outside of the bank's fault, external factors are also due to the intentional element of financing members not paying installments and unintentionally, namely natural disasters such as death is one of the causes of financing without collateral problems. In handling problematic financing on qardhul hasan products, it is necessary to use a rescheduling system, a reconditioning system or changes to requirements for returns and restructuring. By using these three systems, the Dokma Campus Center Pasuruan Islamic microfinance institution can reduce losses that occur or are experienced by the Dokma Campus Center Pasuruan Islamic microfinance institution in providing financing without collateral.
Perbedaan Prinsip Bunga Dan Bagi Hasil Pada Produk Tabungan di Bank Konvensional dan Bank Syariah Nuril Aini; Saiful Bakhri
Cashless : Journal of Sharia Finance and Banking Vol. 2 No. 1 (2024): Cashless : Journal of Sharia Finance and Banking (April)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/cashless.v2i01.390

Abstract

Pertumbuhan sistem keuangan global telah menyaksikan keragaman pendekatan dan prinsip yang diterapkan oleh bank konvensional dan syariah. Perbedaan mendasarnya salah satunya terletak pada prinsip dasar penanganan produk tabungan. Artikel ini bertujuan untuk mengetahui perbedaan prinsip bunga dan bagi hasil pada produk tabungan yang ditawarkan oleh bank konvensional dan bank syariah. Penelitian ini akan mengulas konsep dasar bunga sebagai biaya pinjaman pada bank konvensional, berbeda dengan prinsip bagi hasil yang menjadi ciri utama pada bank syariah. Dengan fokus pada produk tabungan, kami akan menganalisis bagaimana sistem bunga pada bank konvensional melibatkan pembayaran bunga tetap atau mengambang kepada nasabah, sedangkan bank syariah menerapkan prinsip bagi hasil yang berorientasi pada keuntungan bersama. Metodologi penelitian ini menggunakan penelitian kepustakaan yang meliputi analisis komparatif antara struktur produk tabungan konvensional dan syariah, serta tinjauan literatur untuk memahami implikasi ekonomi dan keuangan dari penerapan prinsip bunga dan bagi hasil. Kesimpulan penelitian perbedaan bunga dan bagi hasil produk tabungan bank syariah dengan bank konvensional terdapat pada Mekanisme Pendapatan dimana bank konvensional menggunakan sistem bunga dimana nasabah menerima imbalan berupa bunga tetap atas saldo tabungannya. Sedangkan bank syariah menggunakan bagi hasil dimana nasabah membagi keuntungan atau kerugian dari investasi atau proyek yang didanai bank dengan dana tabungan.
Strategi Pemasaran Produk Tabungan Batara iB Dengan Akad Wadiah Pada Bank BTN Syariah KCPS Pasuruan Erisa Loviana; Saiful Bakhri
Cashless : Journal of Sharia Finance and Banking Vol. 2 No. 1 (2024): Cashless : Journal of Sharia Finance and Banking (April)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/cashless.v2i1.412

Abstract

This research is entitled marketing strategy for Batara iB Akad Wadiah savings products regarding customer interest in BTN Syariah bank. Strategy is a fundamental tool that is planned to achieve company goals by developing sustainable competitive advantages through the markets entered and marketing programs used to serve these target markets. In its activities, Bank BTN Syariah needs to market Batara iB products with the right strategy so that it can fulfill the wants and needs of the community or customers well. The formulation of the problem in this research is how the marketing strategy and constraints and efforts of the Batara iB Bank BTN Syariah Savings Product on Batara iB savings are to use the concept of promotional marketing strategies, namely individual or institutional promotional strategies, promotional strategies through the media, promotional strategies through financing and the obstacles faced in the form of competition from other products, lack of public understanding and trust regarding savings in Sharia Banks and lack of distribution in offices and machines. Apart from that, there are also efforts to overcome obstacles, namely, to prioritize savings products by providing an understanding of the benefits that savings have at the relevant banks, and also the provision of ATMs which should be more widely distributed to attract public interest.
Penerapan Akad Wadah pada Bank BTN Syariah: Penerapan Akad Wadah pada Bank BTN Syariah Dinna Intika Sari; Saiful Bakhri
Cashless : Journal of Sharia Finance and Banking Vol. 2 No. 1 (2024): Cashless : Journal of Sharia Finance and Banking (April)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/cashless.v2i1.413

Abstract

The implementation of the Wadiah contract in the sharia banking industry, especially at Bank BTN Syariah, is an effort to provide security to customers in saving and managing funds in accordance with sharia principles. The aim of this research is to determine the application of the wadiah contract to savings products at BTN Syariah bank. The method used is qualitative, by analyzing data obtained through interviews with bank staff and customers who use wadiah contracts. The conclusion of this research is that the implementation of the wadiah contract by Bank BTN Syariah is the main basis for maintaining customer trust and strengthening the bank's position in the sharia banking industry. In facing the challenges and dynamics that continue to develop, Bank BTN Syariah needs to continue to improve its ability to consistently apply this principle while continuing to provide services that are competitive and in accordance with Islamic law.Keywords: Bank BTN Syariah, wadiah contract, sharia principles, fund security, transparency, customer trust.
Strategi Karyawan Dalam Meningkatkan Minat Anggota Menabung Dibmt Maslahah Cabang Gondangwetan Pasuruan Mita Amelia Pratiwi; Saiful Bakhri; Ilham Wahyudi
Cashless : Journal of Sharia Finance and Banking Vol. 2 No. 1 (2024): Cashless : Journal of Sharia Finance and Banking (April)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/cashless.v2i1.415

Abstract

Baitul Maal wa Tamwil (BMT) Maslahah Gondang Wetan Pasuruan Branch is a financial institution that implements a system based on Islamic sharia. In our business activities, we apply the principle of profit sharing (nisbah) and not the principle of profit sharing (riba) to guarantee halal income. The goal of every company is to create satisfied customers. Satisfying and retaining customers requires the right service strategy. The aim is to provide customer service and satisfaction so that customers can find out the reasons why customers are interested in saving, namely the quality of service and the public's reaction to customer satisfaction at BMT Maslaha, Gondang Wetang Branch, Pasuruan Branch. I am positive about the presence of BMT Maslaha Gondan Wetang Branch Pasuruan Branch because the service provided by officers at BMT Maslaha Gondan Wetang Branch Pasuruan Branch is very good. This public recognition is mainly due to the performance of the employees of BMT Maslaha, Gondan Wetang Branch and Pasuruan Branch, all of whom are Islamic boarding school graduates and have positive attitudes among their 4,444 active members. Apart from that, BMT Maslaha, Gondangwetang and Pasuruan savings products are always available for urgent needs and profit sharing is carried out every month. The relatively easy process is also the reason members choose to save at the BMT Maslaha Gondang Wetang Branch, Pasuruan Branch. In this case the researcher uses case study research by directly investigating the research topic. Employees of the Pasuruan branch of BMT Maslaha Gondan Wetang are being tested here. The aim of this research approach is to identify employee strategies in increasing customers' interest in saving at the Pasuruan branch of BMT Maslaha Gondang Wetang.The researcher's data source is an important factor to consider when deciding on data collection methods. The data sources used in this research are primary data and secondary data
Analisis Dampak Penerapan IT Terhadap Proses Pembukaan Rekening Tabungan Di Bank Muamalat KCP Pasuruan Konita Mardia; Saiful Bakhri; Ilham Wahyudi
Cashless : Journal of Sharia Finance and Banking Vol. 2 No. 1 (2024): Cashless : Journal of Sharia Finance and Banking (April)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/cashless.v2i1.416

Abstract

Currently, it can be said that almost all banks in Indonesia have mobile banking applications to suit the lifestyle of their customers, including Bank Muamalat by launching a mobile banking application (Muamalat DIN). So in this research the researcher will discuss the impact of implementing IT (Mobile Banking) to find out what impacts it has had on customers and companies, where this research was carried out using qualitative methods, namely field research using primary and secondary data. The impact of implementing IT is very significant on the customer opening process, one of which is being able to provide direction or understanding to access various banking services at any time 24 hours a day and this also has a positive effect on the company
Co-Authors A Ifayani Haanurat Abdussalam Achmad Yasin Adek Nuriya Ahmad Djalaluddin Ahmad Ihwanul Muttaqin Aini, Faradila Akhmad Taufiq Mukti Amironah , Siti Ana Pratiwi Andini Widiyatul Aulia Anisak Anisak Anisak Anisak1, Anisak Anjas Wulandari, Siti Pamrih Arifia, Kharina Aunur Rofiq AUNUR ROFIQ Ayun, Qurrotal Dikril Faizun Dikril Faizun Dinna Intika Sari Eki Puspita Ariyanti Erisa Loviana Faizum, Dikril Faizun, Dikril Fatah, Muchamad Iqbal Fathma Hanum Fathor Rozi Fatmah Hanum Firdaus, Salsabila Fi’satil Kamila Frida Auliya A Fuadah Johari Haidar Idris Hainnuraqma Binti Rahim Hamidah Wakid Hanum, Fathma Hanum, Fathmah Hanum, Fatmah Hasanudin, Sultan Hasnah Haron Hassanee, Narong Heryadi, Heryadi Hidayat, Ahmad Dani Taufik Hilda Sanjayawati Holisah, Jahirotul I Nyoman Budiono Ilham Wahyudi Ilham Wahyudi Irham Maulana, Moh. Ishak, Khodijah Kasuwi Saiban Khotibul Umam Konita Mardia Kuswandari, Eny Labibi, silda Liatul Aini Loviana, Erisa Lutfiyah lutfiyah Mahsun, Mohamad Mardia, Konita Mardliyyah Masyhuri, Muhammad Maulana, Moh Irham Maulana, Moh. Irham Mauliddiva, Aziza Misbah, Hanim Misbahul Munir Misbahul Munir Mita Amelia Pratiwi Moch. Mahsun Mubarok, Ahmad Fauzan Muchamad Iqbal Fatah Muhammad Abdul Halim Sidiq Muhammad Alwi Muhammad Alwi Muhammad Nur Kholis, Muhammad Nur Muhammad Yazid Mustikaningtyas, Andhita Nadia Azalia Putri Ni’matush Sholihah Nur Aima Shafie Nur Asnawi Nur Jannah, Laila Nuril Aini Nuril Aini Nursaid NURUL HIDAYAH Nurul Khofifah, Nurul Pertiwi, Novi Dian Pratiwi, Mita Amelia putri ageng23 putri ageng23 Rachmawati, Putri Yani Rahim, Hainnuraqma Rahma, Tria Rahman, Anisur Ramadan, Syahri Ramadhan, Riski Risa Umami Rosidi Rosidi Rozi, Fathor Sagita Martha Triyani Sanjayawati, Hilda Sari, Dinna Intika Sari, Yetma Satriyo, Cindy Charisma Selamat, Muhammad Isa Shafie1, Nur Aima Sholiha, Faridatus silda Labibi Silda Labibi Siswantoyo Siti Hasanah Siti Ilfiah Siti Ilfiah Siti Kadariah Siti Musfiqoh Siti Pamrih Anjas Wulandari Siwi Widiastuti Sulistyowati Sultan Hasanudin Sultan Hasanudin Susetyaningsih, Ririn Syamsul Arifin Ulumudin, Ihya’ WAHYUDI Wakid, Hamidah Winarto Eka Wahyudi, Winarto Eka Woro Hastuti Setyantini Yazid, Azy Athoillah Yusuf Yusuf Zainul Arifin