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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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Dinamika Ekonomi Dalam Perspektif Pesantren Saiful Bakhri; silda Labibi
Tasharruf : Journal of Islamic Economics and Business Vol. 1 No. 2 (2020): 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.v1i2.72

Abstract

Pesantren as a cultural institution that was born on the initiative and initiative (figure) of the community and is autonomous, since its inception it has been a strategic potential in the middle community life. Although many esantren position themselves (only) as an education and religious institution, but since birth until now several Islamic boarding schools have tried to reposition in addressing various social problems society, such as economic, social and poliyical. Therefore, pesantren are required to make updates that can optimize its potential. In particular, in community empowerment through the economy.
Analisis Manajemen Risiko Likuiditas Dimasa Pandemi pada lembaga Keuangan Mikro Syariah: (Studi Kasus BMT Maslahah) Saiful Bakhri; Muhammad Alwi
Tasharruf : Journal of Islamic Economics and Business Vol. 2 No. 1 (2021): 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.v2i1.75

Abstract

In contrast to banking-based financial institutions, regulations or regulations governing risk management and supervision of Islamic microfinance institutions with cooperative legal entities (BMT) are still minimal and still very weak. BMT as a microfinance institution only relies on internal regulations. This study aims to determine the implementation of liquidity risk management in BMT Maslahah. This study concluded that liquidity risk management at BMT Maslahah is managed professionally and neatly with layered supervision. the risk management process includes identification, measurement, monitoring and control carried out systematically with good risk management standards
Analisis Peningkatkan Pendapatan Fee Based Income dengan Penggunaan Aplikasi Mobile Studi Kasus Pada KSPPS BMT UGT Nusantara Saiful Bakhri; Muchamad Iqbal Fatah; Fatmah Hanum
Tasharruf : Journal of Islamic Economics and Business Vol. 2 No. 2 (2021): 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.v2i2.81

Abstract

Cooperatives have the opportunity to empower their members who have businesses such as basic food traders, street vendors, and other tradesmen, to be able to offer PPOB payment services owned by cooperatives. The type of research used in this study is a qualitative method. From the results of research that has been done, there are factors that influence members in using the UGT Mobile application because it is easier to use than mobile banking in a number of banks, safer because it is easy to communicate and handle complaints, feel ownership because as a member is also the owner of a cooperative. BMT UGT members are less than optimal in using the UGT Mobile application due to lack of knowledge about the UGT Mobile application. The increase in fee-based income for BMT UGT is less than optimal due to the lack of maximum socialization of Mobile UGT to members of BMT UGT and the lack of equal distribution of employee knowledge in terms of the benefits of the Mobile UGT application
Peran Lembaga Keuangan Syariah dalam Industri Halal sudut Pandang Maqosid Syariah Saiful Bakhri; Kasuwi Saiban; Misbahul Munir
Tasharruf : Journal of Islamic Economics and Business Vol. 3 No. 1 (2022): 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.v3i1.88

Abstract

This paper explores the contribution of Islamic financial institutions in the halal industry from the point of view of maqashid sharia. Financial transaction activities are aimed at achieving mashlahah or economic prosperity for each person and citizen. However, the implementation of this mashlahah as the conceptual framework of sharia maqashid requires criticism that can contribute instantly to sharia business activities. The formulation of each Islamic banking and financial product is inseparable from the study of ushul fiqh and sharia maqashid. Linked to Islamic banking products, ushul fiqh with a maqashid sharia perspective shares philosophical perspectives and rational thoughts about contracts in each Islamic banking product. With the Maqashid Syariah approach, Islamic banking and financial products can grow well and can respond to rapidly changing business progress. This research uses content analysis by conducting a literature review on the theme. This paper formulates that Islamic financial institutions are driven by spirituality and ethical values ​​derived from maqashid al-syari'ah
Analisis Prosedur Pemberian Kredit Pemilikan Rumah (KPR) Pada PT. Bank Tabungan Negara (Persero) Tbk. KCP Pasuruan Putri Yani Rachmawati; Saiful Bakhri; Fathma Hanum
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 Saiful Bakhri; Salsabila Firdaus
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 Fathmah Hanum; Saiful Bakhri
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 Novi Dian Pertiwi; Saiful Bakhri
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.
Implementasi Good Governance dalam Pengelolaan Wakaf Lembaga: Studi Kasus pada Lembaga LKAF Sidogiri Saiful Bakhri
Idarotuna : Journal of Administrative Science Vol. 6 No. 2 (2025): November
Publisher : Program Study Office Adminstrative of Akademi Komunitas Teknologi Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/idarotuna.v6i2.169

Abstract

The purpose of this study is to examine how the Sidogiri Financial and Charitable Institution (LKAF) manages a sharia-based waqf using good governance principles. Waqf has strategic potential for the community's economic growth, especially if it is managed effectively and professionally. However, issues such a lack of accountability, professionalism, and openness continue to plague Indonesian waqf administration methods. Using semi-structured interviews with the head of the LKAF fundraising division and a literature case study, this study employs a qualitative descriptive methodology. The study's findings demonstrate how LKAF has put good governance concepts into practice through frequent reporting, internal audits, expert training, and adherence to state and Sharia laws. Drilled wells and flagship initiatives like the Thousand Waqf Program show how to maximize waqf assets, which directly affect community welfare. The digitalization of reporting and external audits still presents difficulties, nevertheless. These results show that the efficacy of Sharia-based waqf management in Indonesia can be enhanced by the regular application of good governance principles.
Analisis Akad Murabahah pada Produk Pembiayaan Cicilan Emas di PT Bank Syariah Indonesia Kantor Cabang Pasuruan: Tinjauan Kepatuhan Syariah Berdasarkan Fatwa DSN-MUI No. 77/2010 Liatul Aini; Saiful Bakhri
Al-Ujrah | Jurnal Ekonomi Syariah Vol. 3 No. 02 (2025): Al - Ujrah | Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAI Darul Ulum Kandangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63216/al-ujrah.v3i02.529

Abstract

This study analyzes the implementation of the murabahah contract on gold installment financing products at PT Bank Syariah Indonesia (BSI) Pasuruan Branch Office. The research focuses on evaluating the conformity of the financing mechanism with sharia principles, especially regarding price determination, margin transparency, and the requirement of bank ownership over the gold before resale to customers. The analysis is based on the provisions of DSN-MUI Fatwa No. 77/DSN-MUI/VI/2010, which regulates non-cash gold transactions to prevent elements of riba, gharar, and speculation. The results indicate that the administrative procedures, financing requirements, and installment schemes implemented by BSI have fulfilled sharia compliance and operational standards. However, the study also finds challenges such as customers' limited understanding of the murabahah structure and margin mechanism. Overall, the murabahah contract implementation in gold installment financing at BSI Pasuruan demonstrates strong adherence to sharia principles and serves as an effective financing solution for the community.
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