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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
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Aplikasi Pembiayaan Cicilan Emas pada PT Bank Syariah Indonesia Kantor Cabang Pasuruan Sudirman: Indonesia putri ageng23; Saiful Bakhri
Cashless : Journal of Sharia Finance and Banking Vol. 2 No. 2 (2024): 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.v2i2.592

Abstract

The Gold Installment Financing Application implemented by PT Bank Syariah Indonesia Pasuruan Branch Office is a breakthrough in Islamic banking that offers alternative financing for people who want to buy gold in installments using the murabahah principle. This application makes it easy for customers to choose the desired gold product and determine the installment duration according to their financial capabilities. This study aims to evaluate the extent to which this application makes it easier for people to invest in gold and its contribution in encouraging financial inclusion in Indonesia. This study examines the implementation of the gold installment financing program at PT Bank Syariah Indonesia Pasuruan Sudirman Branch Office. Using a qualitative descriptive research method, which aims to describe in depth the implementation process of the gold installment financing application. This approach was chosen to provide a more comprehensive understanding of the various aspects involved in the implementation of the application. This study analyzes how the gold installment program is implemented and its impact in increasing public access to sharia-based investment. The results of the study show that the gold installment program has succeeded in attracting customers from various circles, especially those who are looking for sharia-compliant investments but have limited initial funds. Its implementation is supported by effective marketing strategies and digital platforms, which have improved customer accessibility.
artikel Keuangan Berkelanjutan dan Integrasi ESG dalam Perbankan Syariah: Jalan Menuju Investasi Halal di 2024 : Jalan Menuju Investasi Halal 2024 Hamidah Wakid; Saiful Bakhri
Cashless : Journal of Sharia Finance and Banking Vol. 2 No. 2 (2024): 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.v2i2.596

Abstract

Sustainable finance has become a key focus in the development of the global financial sector. This concept integrates three main pillars: Environmental, Social, and Governance (ESG), in investment decisions and the operations of financial institutions. In the context of Islamic banking, the ESG concept can be applied by emphasizing Sharia principles that include justice, transparency, and positive social impact. This journal aims to analyze the implementation of ESG in Islamic banking and how it can contribute to the development of sustainable halal investments, as well as the challenges and opportunities in 2024. The research shows that integrating ESG in Islamic banking not only strengthens reputation and social value, but also paves the way for the development of more inclusive and environmentally friendly halal investment products.
S Strategi Penanganan Pembiayaan Bermasalah Pada BPRS Daya Artha Mentari Pasuruan: Strategi Penanganan Pembiayaan Bermasalah Siti Ilfiah; Bakhri, Saiful; Wahyudi, Ilham
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 Faizun, Dikril; Bakhri, Saiful; Hasanudin, Sultan
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.
Tinjauan Hukum Islam Terhadap Praktik Tabungan Sahara Ramadhan Studi Kasus Desa Siyar Kecamatan Rembang Kabupaten Pasuruan Achmad Yasin; Bakhri, Saiful; Anisak
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.v1i2.329

Abstract

The practice of Sahara Ramadhan Savings in the community of Siyar Village, Rembang District, Pasuruan Regency is unique and different compared to savings for mothers in general, because there is a different financial management system. This article uses qualitative methods and describes what was found in the field. This article attempts to describe the Sahara Ramadhan savings practice and explain it descriptively so as not to eliminate the detail and completeness of this research methodology. The results obtained from this field research are that the practice of Sahara Ramadhan savings was created because of a suggestion by one of the residents in Siyar Village, Rt/Rw 02/04, to be precise. This proposal arose because they wanted to ease the economy of mothers when they were about to enter the month of Ramadan. The conclusion from the results of this research is that if seen from the practice, it is in accordance with Islamic law. But if we look at the cuts without the members knowing, it is considered gharar and is not justified by Islamic law.
Perbedaan Prinsip Bunga Dan Bagi Hasil Pada Produk Tabungan di Bank Konvensional dan Bank Syariah Nuril Aini; Bakhri, Saiful
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.v2i1.390

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.
Upaya penanganan kredit macet multiguna Bank jatim kcp warungdowo: Efforts to handle multipurpose bad credit at Bank Jatim KCP Warungdowo Andini Widiyatul Aulia; 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.v2i1.392

Abstract

Bank mempunyai peranan penting dalam menggerakkan roda perekonomian masyarakat karena pelayanan dan pelayanan yang diberikan oleh bank bermanfaat bagi masyarakat saat ini. Bank Jatim KCP Warungdowo menawarkan layanan Kredit Multiguna. Kredit Multiguna Bank Jatim KCP Warungdowo melaksanakan pemberian kredit berdasarkan jaminan atau agunan atas segala kebutuhan nasabah sesuai ketentuan yang berlaku yang diberikan kepada masyarakat yang mempunyai penghasilan tetap seperti Pegawai Negeri Sipil (PNS), Calon Pegawai Negeri Sipil. (CPNS), Pegawai/Calon pegawai pada perusahaan daerah. Tujuan penelitian ini adalah untuk mengetahui upaya penanganan kredit macet multiguna dan faktor apa saja yang menghambat terjadinya kredit macet dengan menggunakan jenis penelitian dengan pendekatan deskriptif kualitatif. Penyebab kredit macet di Bank Jatim disebabkan karena debitur terlambat membayar angsuran pada tanggal jatuh tempo. Upaya penanganan kredit macet dilakukan. oleh Bank Jatim yaitu penjadwalan ulang dan klem asuransi.
Strategi Pemasaran Produk Tabungan Batara iB Dengan Akad Wadiah Pada Bank BTN Syariah KCPS Pasuruan Loviana, Erisa; Bakhri, Saiful
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 Sari, Dinna Intika; Bakhri, Saiful
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.
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