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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

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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.
Exploring the Shari'ah economic learning model through virtual learning: Initiatives and challenges Nursaid, Nursaid; Haanurat, A. Ifayani; Bakhri, Saiful; Rahman, Anisur
Assyfa Journal of Islamic Studies Vol. 2 No. 2 (2024): Assyfa Journal of Islamic Studies (December)
Publisher : CV. BImbingan Belajar Assyfa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61650/ajis.v2i2.325

Abstract

The success of Sharia economics is contingent upon adhering to the principles of Islamic economics in all its actions. Because of this, it is essential to get a complete understanding through Sharia economic education, which covers many vital principles that greatly help the growth of national character education with an Islamic focus. Nevertheless, empirical evidence indicates that students must still strive to enhance their capacity to articulate and comprehend real-world phenomena and analyse solutions to societal issues through the lens of Sharia economics. The objective of this study is to develop a comprehensive Sharia economic learning model for students in the Department of Economic Education at the Muhammadiyah University of Jember. The model will enable students to accurately describe and analyse real-life phenomena and provide interpretations and solutions based on the principles of Sharia economics. The study methodology employed is a descriptive approach aimed at elucidating the research findings derived from the respondents and field observations, utilising both primary and secondary data sources. The research will extensively explore the findings related to comprehending Sharia economic material through a direct learning methodology. The article will also highlight the necessary efforts required to optimise the research's objectives.
PERAN JAMINAN SOSIAL KETENAGAKERJAAN DALAM KESEJAHTERAAN PEKERJA DI MASA MENDATANG PADA PROGRAM BPJS KETENAGAKERJAAN khofifah, nurul; Bakhri, Saiful; Wahyudi
Jurnal Ilmiah Ekonomi Bisnis Vol 9 No 3 (2023): JURNAL ILMIAH EKONOMI BISNIS
Publisher : Jurnal Ilmu Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35972/jieb.v9i3.1247

Abstract

Workers, workers and employers in carrying out their duties certainly each have risks that may occur, both the risk of illness due to their work, the risk of work accidents, the risk of disability, the risk of job loss and even the risk of death. Workers need social security to prevent new poverty when these risks occur. This labor social security is a protection that will provide benefits for the workforce itself and their heirs, and increase welfare in the future if unexpected things happen, one of which is a work accident. Forms of social security for workers include: Old Age Insurance, Work Accident Insurance, Death Insurance, Pension Insurance, Job Loss Insurance. This research uses qualitative methods, namely research procedures by producing descriptive data in the form of words and interview results. The conclusion of this study is the lack of awareness from the workforce or the public about the benefits of BPJS Employment on risks in employment.
Potential of Antioxidant Activity Caulerpa racemosa Extract Using DES Solvent and Different Sonication Times as An Antibacterial Against Pathogenic Bacteria Satyantini, Woro Hastuti; Mukti, Akhmad Taufiq; Bakhri, Saiful
Journal of Aquaculture and Fish Health Vol. 13 No. 3 (2024): JAFH Vol. 13 No. 3 September 2024
Publisher : Department of Aquaculture

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jafh.v13i3.53303

Abstract

Caulerpa racemosa, a type of green algae, has been studied  for its potential health benefits, including antioxidant and an- tibacterial properties. The extraction of bioactive compounds  from marine algae using green solvents like Deep Eutectic Sol- vents (DES) has gained interest due to their efficiency and en- vironmental friendliness. This research aimed to determine  the potential antioxidant activity of C. racemosa extract using DES solvents and different sonication times as an antibacterial  against pathogenic bacteria. The research employed a Facto- rial Completely Randomized Design (CRD) with two variables:  sonication time (10, 20, and 30 minutes) and different DES solvents (ethanol and ethylene glycol (1:20) with 90% aquades, and methanol and glycerol (1:10) with 90% aquades. The highest antioxidant activity was found in DES  Methanol-Glycerol (36.39 mg TE/g dw), followed by DES Eth- anol-Ethylene glycol (28.30 mg TE/g dw), both significantly  different (p<0.05). The C. racemosa extract inhibited the growth of V. parahaemolyticus with an inhibition zone of 8.08 mm at 50 ppm and 13.13 mm at 1,000 ppm. For V. harveyi, inhibition started at 6.37 mm at 50 ppm, reaching 11.70 mm  at 1,000 ppm. DES Methanol-Glycerol with a 10-minute soni- cation provided the highest antioxidant activity and effectively  inhibited V. parahaemolyticus and V. harveyi. Extraction of C. racemosa with DES-MG solvent and varying sonication times influences its antioxidant activity and antibacterial properties.
UHC (UNIVERSAL HEALTH COVERAGE) : BERI KEMUDAHAN DALAM LAYANAN KESEHATAN Holisah, Jahirotul; Bakhri, Saiful; Maulana , Moh. Irham
Seroja Husada: Jurnal Kesehatan Masyarakat Vol. 1 No. 3 (2024): Seroja Husada: Jurnal Kesehatan Masyarakat
Publisher : Seroja Husada: Jurnal Kesehatan Masyarakat

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Abstract

Artikel ini membahas dampak dan manfaat UHC (Universal Health Coverage), sebuah program pemerintah Indonesia yang bertujuan memberikan perlindungan dan jaminan kesehatan. UHC (Universal Health Coverage) yang di launching di Kabupaten Pasuruan pada hari Senin (26/12/2022) merupakan sistem penjaminan kesehatan yang memastikan setiap warga dalam populasi memiliki akses yang adil terhadap pelayanan kesehatan. Artikel ini mengeksplorasi tujuan-tujuan dari dilaksanakannya program UHC yang memfasilitasi dan menjamin kemudahan untuk warga Kabupaten Pasuruan.
Kajian Maqashid Syariah terhadap Model Bisnis Fintech e-maal: Implikasinya dalam Penguatan Ekonomi Mandiri Pesantren Sultan Hasanudin; Saiful Bakhri
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 1 No. 4 (2025): OKTOBER-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/djq13d23

Abstract

Penelitian ini mengkaji penerapan Maqashid Syariah dalam menilai model bisnis platform financial technology syariah e-Maal serta implikasinya bagi penguatan ekonomi mandiri pesantren. Pertumbuhan inovasi digital menuntut hadirnya fintech yang tidak hanya efisien, tetapi juga sesuai dengan prinsip syariah, terutama bagi komunitas pesantren yang membutuhkan solusi keuangan yang transparan, etis, dan bebas riba. Dengan menggunakan pendekatan kualitatif melalui penelitian kepustakaan, artikel ini menganalisis model operasional, skema pembiayaan, mekanisme pembayaran digital, serta tata kelola syariah e-Maal berdasarkan fatwa DSN-MUI, regulasi OJK, dan literatur terkini mengenai fintech syariah. Analisis menggunakan kerangka Maqashid Syariah yang berfokus pada Hifz al-Din, Hifz al-Mal, dan Tahqiq al-Maslahah. Hasil penelitian menunjukkan bahwa e-Maal mampu mengintegrasikan akad-akad syariah dengan ekosistem keuangan berbasis komunitas yang meningkatkan transparansi, perlindungan aset, serta pemberdayaan ekonomi bagi pelaku usaha di lingkungan pesantren. Selain itu, e-Maal membuka peluang strategis bagi digitalisasi ekonomi pesantren, perluasan akses pembiayaan mikro, serta peningkatan inklusi keuangan berbasis nilai Islam. Meskipun menghadapi tantangan seperti literasi digital dan keamanan data, model ini menunjukkan potensi kuat sebagai solusi keuangan digital syariah yang berkelanjutan. Penelitian ini menyimpulkan bahwa e-Maal merupakan inovasi fintech berbasis nilai yang mampu memperkuat kemandirian, etika keuangan, dan kemaslahatan ekonomi komunitas pesantren.
Strengthening Sharia Financial Literacy and Portable Marketing for the Tengger Tribe Community Bakhri, Saiful; I Nyoman Budiono; Sulistyowati; Siti Hasanah; Ahmad Fauzan Mubarok; Khotibul Umam; Nadia Azalia Putri; Ana Pratiwi; Hasnah Haron; Nur Aima Shafie; Siti Kadariah
Journal of Islamic Economic Studies Vol. 1 No. 4 (2025): December 2025
Publisher : Yayasan Darussalam Patalassang

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Abstract

This community service program aims to enhance the economic independence of the Tengger Tribe through strengthening Islamic financial literacy and portable digital marketing skills. The program was conducted as an international collaboration between Indonesian universities that are members of APSKPS and Malaysian universities, namely Universiti Sains Islam Malaysia (USIM), Universiti Teknologi MARA (UiTM), and Universiti Kebangsaan Malaysia (UKM). The study employed a Participatory Action Research (PAR) approach, involving the community actively in each stage of the program, from planning to implementation and evaluation. The results indicate an increased understanding among participants regarding Islamic financial principles, including contracts such as mudharabah, musyarakah, and murabahah, as well as the application of simple financial record-keeping in small enterprises. Moreover, the portable marketing training encouraged local entrepreneurs to utilize digital platforms such as WhatsApp Business and Instagram to promote Tengger’s local products to a broader market. This program successfully fostered cross-country academic collaboration and demonstrated that the synergy between education, Islamic values, and digital technology can serve as an effective strategy in developing an equitable and competitive indigenous economy.
Transformasi Wakaf Tunai dalam Mewujudkan Kesejahteraan Sosial: Analisis Potensi dan Strategi Pendayagunaan Produktif Bakhri, Saiful
Moderasi : Journal of Islamic Studies Vol. 3 No. 2 (2023): December
Publisher : Lajnah Ta'lif wan Nasyr Nahdlatul Ulama (LTN-NU) Kabupaten Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/moderasi.v3i2.2

Abstract

 Waqf serves as a pivotal social finance instrument within Islamic teachings, aimed at optimizing the economic potential and benefits of assets for both religious purposes and public welfare. As home to the world’s largest Muslim population—approximately 237.55 million people—Indonesia possesses immense potential for waqf fund accumulation. However, the development of waqf remains suboptimal and inadequately socialized due to several critical factors. These include a stagnant public understanding of waqf and the prevalence of traditional management practices among nazhirs (waqf managers). Consequently, waqf has yet to significantly impact poverty reduction or bridge the economic inequality gap in the country. If Indonesia successfully optimizes this vast waqf potential, particularly through cash waqf, social prosperity and national economic stability would be more effectively guaranteed.