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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 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

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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

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 : Universitas Nahdlatul Ulama Pasuruan, Indonesia

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 : Universitas Nahdlatul Ulama Pasuruan, Indonesia

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 : Universitas Nahdlatul Ulama Pasuruan, Indonesia

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 Pertiwi, Novi Dian; Bakhri, Saiful
Tasharruf : Journal of Islamic Economics and Business Vol. 5 No. 1 (2024): Tasharruf : Journal of Islamic Economics and Business (Mei)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

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.
OPTIMALISASI AKSES PELUNASAN HAJI MELALUI PRODUK CICIL EMAS BSI GOLD TO BAITULLAH Eki Puspita Ariyanti; Bakhri, Saiful
Al-Ujrah | Jurnal Ekonomi Syariah Vol. 2 No. 02 (2024): Al - Ujrah | Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAI Darul Ulum Kandangan

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Abstract

Penelitian ini dilakukan dengan tujuan untuk menyelidiki secara rinci penggunaan cicilan emas sebagai alternatif pembiayaan bagi jamaah haji. Fokus utama penelitian ini adalah untuk mendalami prosedur dan efektivitas sistem cicilan emas dalam mengatasi berbagai tantangan yang muncul selama proses pelunasan biaya haji. Dengan mengadopsi pendekatan kualitatif dan memanfaatkan teknik pengumpulan data seperti sumber data sekunder diperoleh dari artikel, dan internet, sedangkan data primer dikumpulkan melalui observasi, dan dokumentasi. Penelitian ini bertujuan untuk memberikan pemahaman yang lebih dalam tentang bagaimana cicilan emas digunakan dalam pembayaran biaya haji di Bank Syariah Indonesia. Hasil temuan dari penelitian ini menunjukkan dengan BSI Cicil Emas Gold To Baitullah pergi ibadah haji lebih terencana dan lebih mudah, serta keberhasilan program pelunasan haji melalui cicilan emas dalam menyediakan solusi pembayaran haji terjangkau dan terstruktur. Hal ini memperluas akses bagi masyarakat untuk melaksanakan ibadah haji. Selain itu, penelitian ini juga bertujuan untuk meningkatkan pemahaman tentang peran cicilan emas sebagai opsi pembiayaan yang inklusif bagi umat Islam yang ingin melakukan haji, serta memberikan rekomendasi untuk pengembangan lebih lanjut dalam konteks perbankan syariah dan pembiayaan haji di Indonesia. Dengan pemahaman yang lebih mendalam tentang manfaat cicilan emas sebagai opsi pembiayaan, diharapkan Bank Syariah Indonesia dapat meningkatkan pelayanan kepada nasabah, sehingga dapat memenuhi kebutuhan spiritual dan keuangan mereka terkait perjalanan haji dengan lebih efektif.
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.
Metamorfosis Layanan Produk Lembaga Keuangan Mikro Syariah Bakhri, Saiful; Anjas Wulandari, Siti Pamrih
Tasharruf : Journal of Islamic Economics and Business Vol. 1 No. 1 (2020): Tasharruf : Journal of Islamic Economics and Business (Mei)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v1i1.65

Abstract

Islamic microfinance institutions are one of the pillars in the financial intermediation process. Microfinance is needed by small and medium-sized groups of people for both consumption and production as well as saving their business results. The results of the study indicate that the development of LKMS products is through the company's planning process to find out market desires, make strategic decisions in product formation, improve products, and even make new product innovations as an effort to improve the quality of LKMS services and products. This is a form of improving managerial quality in LKMS. Abstract
Co-Authors A Ifayani Haanurat Abdussalam Adek Nuriya Ahmad Djalaluddin Akhmad Taufiq Mukti Amironah , Siti Ana Pratiwi Anisak Anisak Anisak Anisak1, Anisak Anjas Wulandari, Siti Pamrih Aunur Rofiq AUNUR ROFIQ Ayun, Qurrotal Dikril Faizun Dikril Faizun Dinna Intika Sari Eki Puspita Ariyanti Erisa Loviana Faizum, Dikril Fatah, Muchamad Iqbal Fathma Hanum Fathor Rozi Fatmah Hanum Firdaus, Salsabila Fi’satil Kamila Frida Auliya A Fuadah Johari Hainnuraqma Binti Rahim Hamidah Wakid Hanum, Fathma Hanum, Fathmah Hanum, Fatmah Hasnah Haron Hassanee, Narong Heryadi, Heryadi Hidayat, Ahmad Dani Taufik Hilda Sanjayawati Holisah, Jahirotul I Nyoman Budiono Ilham Wahyudi Irham Maulana, Moh. Ishak, Khodijah Kasuwi Saiban Khotibul Umam Konita Mardia Kuswandari, Eny Labibi, silda Liatul Aini Loviana, Erisa lutfiyah Mardliyyah Maulana, Moh Irham Maulana, Moh. Irham Mauliddiva, Aziza Misbahul Munir Misbahul Munir Mita Amelia Pratiwi Moch. Mahsun Mubarok, Ahmad Fauzan Muchamad Iqbal Fatah Muhammad Alwi Muhammad Alwi Muhammad Nur Kholis Muhammad Yazid Mustikaningtyas, Andhita Nadia Azalia Putri Ni’matush Sholihah Nur Aima Shafie Nur Asnawi Nur Jannah, Laila Nuril Aini NURUL HIDAYAH Nurul Khofifah, Nurul Pertiwi, Novi Dian putri ageng23 Rachmawati, Putri Yani Rahim, Hainnuraqma Rahma, Tria Rahman, Anisur Ramadan, Syahri Ramadhan, Riski Rosidi Rosidi Rozi, Fathor Sagita Martha Triyani Salsabila Firdaus Sari, Dinna Intika Sari, Yetma Satriyo, Cindy Charisma Selamat, Muhammad Isa Setyantini, Woro Hastuti silda Labibi Silda Labibi Siswantoyo Siti Hasanah Siti Ilfiah Siti Kadariah Siti Musfiqoh Siti Pamrih Anjas Wulandari Siwi Widiastuti Sulistyowati Sultan Hasanudin Sultan Hasanudin Susetyaningsih, Ririn WAHYUDI Winarto Eka Wahyudi, Winarto Eka Yazid, Azy Athoillah Yusuf Yusuf