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All Journal Shirkah: Journal of Economics and Business JIEB : Jurnal Ilmiah Ekonomi Bisnis Bertuah : Jurnal Syariah dan Ekonomi Islam Tsaqafatuna: Jurnal Ilmu Pendidikan Islam Jurnal Relevansi : Ekonomi, Manajemen dan Bisnis Tasharruf: Journal of Islamic Economics and Business Journal of Islamic Education Counseling Revenue : Jurnal Ekonomi Pembangunan dan Ekonomi Islam 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 Proceeding of International Conference on Humanity Education and Society Seroja Husada: Jurnal Kesehatan Masyarakat PENG: Jurnal Ekonomi dan Manajemen Tasharruf : Journal of Islamic Economics and Business Jurnal Ekonomi Syariah
Saiful Bakhri
Sekolah Tinggi Agama Islam Salahuddin Pasuruan, Indonesia
Religion Humanities Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Veterinary Other

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Manfaat Financial Thechnology Syariah terhadap Perkembangan UMKM di Kabupaten Pasuruan Ayun, Qurrotal; Bakhri, Saiful
PENG: Jurnal Ekonomi dan Manajemen Vol. 2 No. 1b (2025): AGUSTUS 2024 -JANUARI 2025
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/4bc9b192

Abstract

Advances in information technology have brought innovation to the financial sector through Financial Technology (Fintech). In the sharia context, Sharia Fintech exists as a financial service solution based on Islamic principles designed to encourage financial inclusion and support economic growth, especially in the Micro, Small and Medium Enterprises (MSME) sector. This research aims to identify the benefits of Sharia Fintech on the development of MSMEs in Pasuruan Regency. The research was conducted using qualitative methods with a descriptive approach through data collection from observation and document analysis. The research results reveal that Sharia Fintech provides easy access to financing, increases the efficiency of financial transactions, and contributes to sharia financial literacy. Utilizing Sharia Fintech helps MSMEs expand market reach, increase productivity and maintain business sustainability in accordance with Sharia values. This research suggests increasing the application of Sharia Fintech to strengthen the sharia economic ecosystem and increase the competitiveness of MSMEs in the digital era
Peran dan Tantangan Bank Syariah Indonesia dalam Meningkatkan Inklusi Keuangan Melalui Produk Mikro Syariah Anisak1, Anisak; Bakhri, Saiful
Jurnal Relevansi : Ekonomi, Manajemen dan Bisnis Vol 8 No 2 (2024): Jurnal Relevansi : Ekonomi, Manajemen dan Bisnis
Publisher : LPPM STIE KRAKATAU

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61401/relevansi.v8i2.151

Abstract

Financial inclusion is an important aspect of sustainable economic development. Bank Syariah Indonesia (BSI), as the largest sharia bank in Indonesia, has a strategic role in expanding access to public financial services, especially through micro sharia products. This article aims to explore BSI's role in increasing financial inclusion and the challenges it faces in implementing sharia micro products. Through empirical data analysis studies, this article identifies various challenges such as low financial literacy, technological limitations, and high operational costs. This research uses a qualitative descriptive method. The research results show that BSI has great potential in expanding financial access for lower society, but requires more effective strategies to overcome various obstacles
Analisis Penerapan Konsep Service Excellence Dalam Perspektif Perbankan Syariah Studi Kasus Bank Muamalat Kcp Pasuruan Nur Jannah, Laila; Bakhri, Saiful
Bertuah Jurnal Syariah dan Ekonomi Islam Vol. 5 No. 2 (2024): Bertuah: Jurnal Syariah dan Ekonomi Islam
Publisher : STAIN Bengkalis

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

Abstract

Di era perkembangan dunia yang mengalami kemajuan signifikan ini, tentu kita dituntut untuk dapat menghadapi perubahan yang sangat pesat. Pelayanan menjadi fokus utama pada jasa perbankan, hal ini disebabkan bisnis perbankan masih bertumpu pada kepercayaan dan kepuasan dari setiap nasabahnya. Pelayanan yang diberikan dengan focus utama pada kepuasan pengguna diartikan dengan layanan prima atau layanan istimewa (service excellence). Pelayanan yang berkualitas dapat tercermin oleh perusahaan yang menerapkan kinerjanya dari sebuah aspek-aspek seperti attitude, attention, action, ability, appearance, accountability. Kesimpulan dalam penelitian ini menjelaskan bahwa Bank Muamalat KCP Pasuruan telah mengimplementasikan pelayanan prima sesuai indikatornya yakni attitude, attention, action, ability, appearance, accountability dengan baik. Bank Muamalat KCP Pasuruan juga telah menerapkan nilai-nilai sesuai Aqidah Islam yakni dengan berdoa sebelum melaksanakan kegitan operasional dan selalu memastikan kehalalan produk yang dijual.
Analisis Peran Mahasiswa dalam Meningkatkan Efektivitas Tim Kerja di Lingkungan Magang (Studi Kasus KPP Pratama Pasuruan) Mauliddiva, Aziza; Maulana, Moh Irham; Bakhri, Saiful
Jurnal Serambi Ekonomi dan Bisnis Vol 8, No 1 (2024): September 2024 -Februari 2025
Publisher : Universitas Serambi Mekkah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32672/jseb.v8i1.8456

Abstract

This study aims to analyze the role of interns in improving team effectiveness in an internship environment, with a case study at KPP Pratama Pasuruan. The internship program provides students the opportunity to apply the knowledge gained in university into real-world work settings, while also contributing to team performance. This research uses a qualitative approach, with data collection techniques including in-depth interviews, observations, and questionnaires with interns, internship supervisors, and team members at KPP Pratama Pasuruan. The findings show that interns contribute positively to team effectiveness through creative ideas, enhancing team morale, and assisting in operational tasks that support the team's objectives. However, the main challenges faced by interns include difficulties in adapting to organizational culture and managing expectations between interns and the company. Active mentorship and effective communication between interns and team members are key factors in supporting successful collaboration. This study recommends that companies provide more intensive guidance, assign relevant and challenging tasks, and improve interns' communication skills to maximize their contribution to team effectiveness.
Digital Innovation Strategies in Sharia Cooperative Business Transformation: Mobile App Impact on Financial Performance and Member Satisfaction Bakhri, Saiful; Rofiq, Aunur; Faizum, Dikril
Revenue Journal: Management and Entrepreneurship Vol 3 No 1 (2025): Revenue Journal: Management and Entrepreneurship (June)
Publisher : CV. Bimbingan Belajar Assyfa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61650/rjme.v3i1.479

Abstract

This study examines digital innovation strategies in the transformation of sharia cooperative businesses, focusing on the impact of mobile app implementation on financial performance and member satisfaction. A case study was conducted on KSPPS BMT UGT Nusantara, a microfinance sharia institution that has adopted digital technology in its services. Using a mixed-methods approach, the research analyzes data from in-depth interviews, member surveys, and institutional financial reports from 2018-2023. Findings reveal that adopting mobile apps significantly increased the cooperative’s fee-based income by an average of 15% annually since implementation. Factors such as ease of use, transaction security, and incentive programs play vital roles in technology adoption among members. However, challenges such as digital gaps across member generations and the need for improved digital literacy were identified. Member satisfaction analysis shows a 20-point increase in Net Promoter Score (NPS), indicating a positive impact of digital innovation on member loyalty. The study also reveals that digital transformation has driven operational efficiency, with a 5% decrease in the operating cost to operating income ratio (OER) over the last two years. This research contributes theoretically and practically to understanding the role of digital innovation in sharia cooperative business transformation. The findings highlight the importance of comprehensive digital strategies focused on technology adoption, member digital capability development, and business model adjustment. Managerial implications include recommendations for sustained technology investment, digital education programs for members, and data-driven service development to enhance the value proposition of sharia cooperatives in the digital era.
Analisis Prosedur Pemberian Kredit Pemilikan Rumah (KPR) Pada PT. Bank Tabungan Negara (Persero) Tbk. KCP Pasuruan Rachmawati, Putri Yani; Bakhri, Saiful; Hanum, Fathma
Tasharruf : Journal of Islamic Economics and Business Vol. 4 No. 2 (2023): Tasharruf : Journal of Islamic Economics and Business (November)
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.v4i2.349

Abstract

Kepemilikan rumah dijadikan sebagai sarana investasi untuk jangka panjang bagi orang yang mampu. Prosedur KPR adalah salah satu cara yang tepat untuk membangun sebuah rumah, biasanya melibatkan beberapa orang dalam satu departemen untuk menjamin penanganan transaksi. Oleh karena itu dibutuhkan kajian mengenai Analisa Proses Pemberian KPR pada PT. Bank Tabungan Negara (Persero) Tbk. KCP Pasuruan. Memperoleh gambaran bagaimana Prosedurnya KPR yang baik dan benar. Metode analisis yang digunakan adalah metode kualitatif deskriptif. PT. Bank Tabungan Negara (Persero) Tbk. KCP Pasuruan dijadikan objek studi kasus. Hasil penelitian menunjukkan bahwa Prosedur Pemberian KPR. Kajian ini dapat menjadi bahan perbandingan bagi KPR Subsidi dan KPR Nonsubsidi. Kata kunci: Perbankan, KPR Subsidi, KPR Non Subsidi
Keuangan Sosial Islam dalam Tinjuan Maqosid Syariah Bakhri, Saiful; Firdaus, Salsabila
Tasharruf : Journal of Islamic Economics and Business Vol. 4 No. 2 (2023): Tasharruf : Journal of Islamic Economics and Business (November)
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.v4i2.359

Abstract

Islamic economics emerged as part of a larger project of Islamization in the field of economics. The Philanthropy is a concept that already exists in Islam, which aims for good. The effectiveness of philanthropy in efforts to reduce social inequality is inseparable from the role of philanthropic institutions that manage these activities. While the concept of maqasid sharia is the concept of benefit. And realizing benefit is the keyword for humans to recognize what is good for them. The rationale for benefit comes from the Qur'an and al-hadith, which are used by humans to create ijtihad and determine the idealized benefit in their lives and lives. Initially, the discourse on the concept of Maqashid Syariah was a separate sub-topic of the discipline of Ushul fiqh.
Strategi Optimalisasi CWLS Sebagai Tombak Ekonomi Indonesia: Indonesia Hanum, Fathmah; Bakhri, Saiful
Tasharruf : Journal of Islamic Economics and Business Vol. 5 No. 1 (2024): 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.v5i1.391

Abstract

CWLS is a fintech platform based on digital financial applications, which has entered the digital era through a website released by the Ministry of Finance. This website focuses on information about cash waqf, CWLS could be a solution for Indonesia's economic stability, but there are still many people, especially Muslim communities, who know about CWLS. This study wants to examine strategies that would be able to bring CWLS to greater existence and be better known to the wider community. The method used in this research is a qualitative method so that it explains more about the research results related to the strategies used to develop CWLS. The results of this research show that CWLS is able to appear and exist in the global realm if it has contemporary marketing, and also targets most web users, namely gen-z, as well as using CWLS more creatively so that it has more real influence in society.
Analisis Kinerja Keuangan Dan Pengelolaan Keuangan Perguruan Tinggi Di Indonesia Novi Dian Pertiwi; Bakhri, Saiful
Tasharruf : Journal of Islamic Economics and Business Vol. 5 No. 1 (2024): 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.v5i1.430

Abstract

This research is to evaluate the financial system at a university which analyzes the performance of the financial system, the performance and financial management of a university so that it can be used as evaluation material that support better change, This research is descriptive research , the result of applying financial patterns that effective, good and effective performance system provide financial governance result that are in accordance with systematic financial patterns,aim to encourage a better and more efficient performance system thereby improving the quality and of service.
Keuangan Sosial Islam dalam Tinajuan Maqosid Syariah Bakhri, Saiful; Firdaus, Salsabila
Tasharruf : Journal of Islamic Economics and Business Vol. 5 No. 2 (2024): Tasharruf : Journal of Islamic Economics and Business (November)
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.v5i2.589

Abstract

Filantropi merupakan suatu konsep yang telah terdapat dalam Islam, yang bertujuan untuk kebaikan. Efektifitas filantropi dalam upaya mengurangi kesenjangan sosial tidak terlepas dari peran lembaga filantropi yang mengelola kegiatan tersebut. Sedangkan konsep maqashid syariah adalah konsep kemaslahatan. Dan mewujudkan kemaslahatan adalah kata kunci bagi manusia untuk mengenali apa yang baik bagi mereka. Dasar pemikiran kemaslahatan bersumber dari al-Qur'an dan al-hadits, yang digunakan manusia untuk menciptakan ijtihad dan menentukan kemaslahatan yang diidealisasikan dalam hidup dan kehidupannya. Semula, wacana
Co-Authors A Ifayani Haanurat Abdussalam Ahmad Djalaluddin Anisak Anisak Anisak Anisak1, Anisak Anjas Wulandari, Siti Pamrih AUNUR ROFIQ Aunur Rofiq Ayun, Qurrotal Dikril Faizun Eki Puspita Ariyanti Faizum, Dikril Fatah, Muchamad Iqbal Fathma Hanum Fathor Rozi Fatmah Hanum Firdaus, Salsabila Fuadah Johari Hainnuraqma Binti Rahim Hanum, Fathma Hanum, Fathmah Hanum, Fatmah Hidayat, Ahmad Dani Taufik Iqbal Fatah, Muchamad Irham Maulana, Moh. Jahirotul Holisah Kasuwi Saiban Labibi, silda Mardliyyah Maulana, Moh Irham Mauliddiva, Aziza Misbahul Munir Misbahul Munir Moh. Irham Maulana Muchamad Iqbal Fatah Muhammad Alwi Muhammad Alwi Novi Dian Pertiwi Nur Asnawi Nur Jannah, Laila Nur Kholis, Muhammad Nursaid nurul khofifah Rachmawati, Putri Yani Rahman, Anisur Rozi, Fathor Sagita Martha Triyani Silda Labibi silda Labibi Siti Pamrih Anjas Wulandari Wahyudi Yusuf Yusuf