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All Journal 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 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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Relevansi Prinsip Efisiensi Dan Distribusi Fiskal Abu Yusuf Dalam Kebijakan Fiskal Indonesia: Analisis Komparatif Terhadap Era Purbaya Yudhi Sadewa Hanum, Fathmah; Yazid, Muhammad; Musfiqoh, Siti; Bakhri, Saiful
Moderasi : Journal of Islamic Studies Vol. 5 No. 2 (2025): Desember
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.v5i2.160

Abstract

This study analyzes the relevance of Abu Yusuf's fiscal thought in the context of contemporary Indonesian fiscal policy, particularly during Purbaya Yudhi Sadewa's tenure as Minister of Finance. Indonesia faces a budgetary dilemma between spending efficiency and equitable distribution of fiscal burdens. Through Kitab al-Kharaj, Abu Yusuf offers a conceptual framework that balances economic efficiency with social justice in public financial management. This research employs a qualitative method with a library research approach, analyzing primary sources including Kitab al-Kharaj and secondary sources comprising policy documents and academic literature. Analysis is conducted comparatively-descriptively through three stages: concept identification, principle comparison, and relevance evaluation. Findings reveal fundamental alignment between Abu Yusuf's principles and Purbaya's policies regarding budget allocation efficiency, subsidy control, and welfare orientation. Both approaches emphasize transparency, accountability, and proportionality in state financial management. However, implementing Abu Yusuf's principles in Indonesia still faces structural challenges including inter-regional fiscal distribution inequality, weak accountability enforcement, and minimal ethical dimensions in fiscal policy. This study recommends integrating classical Islamic economic values into Indonesian fiscal policy formulation to strengthen moral foundations and social justice.
Transformasi Digital dan Pengaruhnya terhadap Loyalitas Nasabah Bank Syariah Saiful Bakhri; Frida Auliya A
Digital Bisnis: Jurnal Publikasi Ilmu Manajemen dan E-Commerce Vol. 4 No. 4 (2025): Desember : Digital Bisnis: Jurnal Publikasi Ilmu Manajemen dan E-Commerce
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/digital.v4i4.5382

Abstract

Digital transformation has become an essential strategy for Islamic banking institutions in improving service quality, operational efficiency, and customer experience. This study aims to analyze the influence of digital transformation on the loyalty of customers within Islamic banks in Indonesia. The research highlights how digital services such as mobile banking, online customer service, and automated sharia-compliant transaction systems affect satisfaction, trust, and long-term customer retention. Using a descriptive qualitative approach, this study reviews theoretical frameworks and previous empirical findings concerning technology adoption, service quality, and customer loyalty in the context of Islamic finance. The analysis demonstrates that effective digital transformation strengthens customer engagement by providing convenience, transparency, and accessibility aligned with sharia principles. Moreover, digital innovation enables Islamic banks to maintain competitiveness in an increasingly digital-driven financial landscape. The implications of this study emphasize the importance of continuous technological development, customer education, and system reliability to foster higher loyalty among Islamic banking customers. This article contributes to the growing literature on digitalization in Islamic finance and provides insights that may guide practitioners in enhancing customer-centered digital strategies.
Decolonizing Environmental Communication Through Islamic Ethics: Media Framing of Green Economy and Greenwashing in Indonesia Mahsun, Moch; Bakhri, Saiful; Satriyo, Cindy Charisma
Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam Vol. 17 No. 1 (2025): Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam
Publisher : Fakultas Agama Islam, Universitas Islam As-Syafiiyah

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Abstract

This research focuses on implementing digital media for Islam’s green economy and greenwashing. The research focuses on the decolonization of environmental communications. Using content from the three of the most prominent platforms Kompas.com, Detik.com, and TimesIndonesia.co.id and using the interpretive paradigm, purposive sampling of 45 articles from 2022-2024 on each platform disentangles the empirical evidence in the sustainability and greenwashing discourse in acting and using Islamic ethical concepts in the persuasive framework and communication of khalifah, mīzān, maqāṣid al-sharīʿah, and sadd al-dharīʿah. The ethical, albeit fractured, mediation of legitimizing the articulation of green and sustainable ethics is the function of the platforms. Kompas.com is Critical–Reformist in its jurisprudential orientation and Detik.com from within a social construct of ethical individualized responsibility, while Times from the Islamic green ethics realm is primarily rhetorical. These collectively address the instrumental Islamic ethics of modernization of development discourse. Islamic legal maxims, while being highly instrumental and greenwashing within its construct, tend to be selective, cautious, and restrictive. This study enriches the theorization of media and religion within the decolonial discourse paradigms of communication and rhetoric-ecology.
DECOLONIZING ENVIRONMENTAL COMMUNICATION THROUGH ISLAMIC ETHICS: MEDIA FRAMING OF GREEN ECONOMY AND GREENWASHING IN INDONESIA Mahsun, Moch; Bakhri, Saiful; Satriyo, Cindy Charisma; Yazid, Azy Athoillah
Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam Vol. 17 No. 1 (2026): Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam
Publisher : Fakultas Agama Islam, Universitas Islam As-Syafiiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34005/alrisalah.v17i1.5437

Abstract

This research focuses on implementing digital media for Islam’s green economy and greenwashing. The research focuses on the decolonization of environmental communications. Using content from the three of the most prominent platforms Kompas.com, Detik.com, and TimesIndonesia.co.id and using the interpretive paradigm, purposive sampling of 45 articles from 2022-2024 on each platform disentangles the empirical evidence in the sustainability and greenwashing discourse in acting and using Islamic ethical concepts in the persuasive framework and communication of khalifah, mīzān, maqāṣid al-sharīʿah, and sadd al-dharīʿah. The ethical, albeit fractured, mediation of legitimizing the articulation of green and sustainable ethics is the function of the platforms. Kompas.com is Critical–Reformist in its jurisprudential orientation and Detik.com from within a social construct of ethical individualized responsibility, while Times from the Islamic green ethics realm is primarily rhetorical. These collectively address the instrumental Islamic ethics of modernization of development discourse. Islamic legal maxims, while being highly instrumental and greenwashing within its construct, tend to be selective, cautious, and restrictive. This study enriches the theorization of media and religion within the decolonial discourse paradigms of communication and rhetoric-ecology.
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.
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.
Co-Authors A Ifayani Haanurat Abdussalam Adek Nuriya Ahmad Djalaluddin Akhmad Taufiq Mukti Ana Pratiwi Anisak Anisak Anisak Anisak1, Anisak Aunur Rofiq AUNUR ROFIQ Ayun, Qurrotal Dikril Faizum Dikril Faizun Dikril Faizun Dinna Intika Sari Erisa Loviana Faizum, Dikril Fatah, Muchamad Iqbal Fathma Hanum Fathma Hanum Fathmah Hanum Fatmah Hanum Fatmah Hanum Fi’satil Kamila Frida Auliya A Fuadah Johari Hainnuraqma Binti Rahim Hamidah Wakid Hanum, Fathma Hanum, Fathmah Hasnah Haron Hidayat, Ahmad Dani Taufik Hilda Sanjayawati Holisah, Jahirotul I Nyoman Budiono Ilham Wahyudi Irham Maulana, Moh. Kasuwi Saiban Khotibul Umam Konita Mardia Liatul Aini Loviana, Erisa lutfiyah Mardliyyah Maulana, Moh Irham Maulana, Moh. Irham Mauliddiva, Aziza Misbahul Munir Mita Amelia Pratiwi Moch. Mahsun Mubarok, Ahmad Fauzan Muchamad Iqbal Fatah Muhammad Alwi Muhammad Alwi Muhammad Nur Kholis Muhammad Yazid Ni’matush Sholihah Novi Dian Pertiwi Nur Aima Shafie Nur Asnawi Nur Jannah, Laila Nuril Aini Nurul Khofifah, Nurul putri ageng23 Putri Yani Rachmawati Putri, Nadia Azalia Rahman, Anisur Rozi, Fathor Sagita Martha Triyani Salsabila Firdaus Sari, Dinna Intika Satriyo, Cindy Charisma Setyantini, Woro Hastuti silda Labibi Silda Labibi Siti Hasanah Siti Ilfiah Siti Kadariah Siti Musfiqoh Siti Pamrih Anjas Wulandari Sulistyowati Sultan Hasanudin Sultan Hasanudin WAHYUDI Yazid, Azy Athoillah Yusuf Yusuf