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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 IJECS: Indonesian Journal of Empowerment and Community Services 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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Perbedaan Prinsip Bunga Dan Bagi Hasil Pada Produk Tabungan di Bank Konvensional dan Bank Syariah Nuril Aini; Saiful Bakhri
Cashless : Journal of Sharia Finance and Banking Vol. 2 No. 1 (2024): 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.v2i01.390

Abstract

Pertumbuhan sistem keuangan global telah menyaksikan keragaman pendekatan dan prinsip yang diterapkan oleh bank konvensional dan syariah. Perbedaan mendasarnya salah satunya terletak pada prinsip dasar penanganan produk tabungan. Artikel ini bertujuan untuk mengetahui perbedaan prinsip bunga dan bagi hasil pada produk tabungan yang ditawarkan oleh bank konvensional dan bank syariah. Penelitian ini akan mengulas konsep dasar bunga sebagai biaya pinjaman pada bank konvensional, berbeda dengan prinsip bagi hasil yang menjadi ciri utama pada bank syariah. Dengan fokus pada produk tabungan, kami akan menganalisis bagaimana sistem bunga pada bank konvensional melibatkan pembayaran bunga tetap atau mengambang kepada nasabah, sedangkan bank syariah menerapkan prinsip bagi hasil yang berorientasi pada keuntungan bersama. Metodologi penelitian ini menggunakan penelitian kepustakaan yang meliputi analisis komparatif antara struktur produk tabungan konvensional dan syariah, serta tinjauan literatur untuk memahami implikasi ekonomi dan keuangan dari penerapan prinsip bunga dan bagi hasil. Kesimpulan penelitian perbedaan bunga dan bagi hasil produk tabungan bank syariah dengan bank konvensional terdapat pada Mekanisme Pendapatan dimana bank konvensional menggunakan sistem bunga dimana nasabah menerima imbalan berupa bunga tetap atas saldo tabungannya. Sedangkan bank syariah menggunakan bagi hasil dimana nasabah membagi keuntungan atau kerugian dari investasi atau proyek yang didanai bank dengan dana tabungan.
Strategi Pemasaran Produk Tabungan Batara iB Dengan Akad Wadiah Pada Bank BTN Syariah KCPS Pasuruan Erisa Loviana; Saiful Bakhri
Cashless : Journal of Sharia Finance and Banking Vol. 2 No. 1 (2024): 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.v2i1.412

Abstract

This research is entitled marketing strategy for Batara iB Akad Wadiah savings products regarding customer interest in BTN Syariah bank. Strategy is a fundamental tool that is planned to achieve company goals by developing sustainable competitive advantages through the markets entered and marketing programs used to serve these target markets. In its activities, Bank BTN Syariah needs to market Batara iB products with the right strategy so that it can fulfill the wants and needs of the community or customers well. The formulation of the problem in this research is how the marketing strategy and constraints and efforts of the Batara iB Bank BTN Syariah Savings Product on Batara iB savings are to use the concept of promotional marketing strategies, namely individual or institutional promotional strategies, promotional strategies through the media, promotional strategies through financing and the obstacles faced in the form of competition from other products, lack of public understanding and trust regarding savings in Sharia Banks and lack of distribution in offices and machines. Apart from that, there are also efforts to overcome obstacles, namely, to prioritize savings products by providing an understanding of the benefits that savings have at the relevant banks, and also the provision of ATMs which should be more widely distributed to attract public interest.
Penerapan Akad Wadah pada Bank BTN Syariah: Penerapan Akad Wadah pada Bank BTN Syariah Dinna Intika Sari; Saiful Bakhri
Cashless : Journal of Sharia Finance and Banking Vol. 2 No. 1 (2024): 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.v2i1.413

Abstract

The implementation of the Wadiah contract in the sharia banking industry, especially at Bank BTN Syariah, is an effort to provide security to customers in saving and managing funds in accordance with sharia principles. The aim of this research is to determine the application of the wadiah contract to savings products at BTN Syariah bank. The method used is qualitative, by analyzing data obtained through interviews with bank staff and customers who use wadiah contracts. The conclusion of this research is that the implementation of the wadiah contract by Bank BTN Syariah is the main basis for maintaining customer trust and strengthening the bank's position in the sharia banking industry. In facing the challenges and dynamics that continue to develop, Bank BTN Syariah needs to continue to improve its ability to consistently apply this principle while continuing to provide services that are competitive and in accordance with Islamic law.Keywords: Bank BTN Syariah, wadiah contract, sharia principles, fund security, transparency, customer trust.
Strategi Karyawan Dalam Meningkatkan Minat Anggota Menabung Dibmt Maslahah Cabang Gondangwetan Pasuruan Mita Amelia Pratiwi; Saiful Bakhri; Ilham Wahyudi
Cashless : Journal of Sharia Finance and Banking Vol. 2 No. 1 (2024): 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.v2i1.415

Abstract

Baitul Maal wa Tamwil (BMT) Maslahah Gondang Wetan Pasuruan Branch is a financial institution that implements a system based on Islamic sharia. In our business activities, we apply the principle of profit sharing (nisbah) and not the principle of profit sharing (riba) to guarantee halal income. The goal of every company is to create satisfied customers. Satisfying and retaining customers requires the right service strategy. The aim is to provide customer service and satisfaction so that customers can find out the reasons why customers are interested in saving, namely the quality of service and the public's reaction to customer satisfaction at BMT Maslaha, Gondang Wetang Branch, Pasuruan Branch. I am positive about the presence of BMT Maslaha Gondan Wetang Branch Pasuruan Branch because the service provided by officers at BMT Maslaha Gondan Wetang Branch Pasuruan Branch is very good. This public recognition is mainly due to the performance of the employees of BMT Maslaha, Gondan Wetang Branch and Pasuruan Branch, all of whom are Islamic boarding school graduates and have positive attitudes among their 4,444 active members. Apart from that, BMT Maslaha, Gondangwetang and Pasuruan savings products are always available for urgent needs and profit sharing is carried out every month. The relatively easy process is also the reason members choose to save at the BMT Maslaha Gondang Wetang Branch, Pasuruan Branch. In this case the researcher uses case study research by directly investigating the research topic. Employees of the Pasuruan branch of BMT Maslaha Gondan Wetang are being tested here. The aim of this research approach is to identify employee strategies in increasing customers' interest in saving at the Pasuruan branch of BMT Maslaha Gondang Wetang.The researcher's data source is an important factor to consider when deciding on data collection methods. The data sources used in this research are primary data and secondary data
Analisis Dampak Penerapan IT Terhadap Proses Pembukaan Rekening Tabungan Di Bank Muamalat KCP Pasuruan Konita Mardia; Saiful Bakhri; Ilham Wahyudi
Cashless : Journal of Sharia Finance and Banking Vol. 2 No. 1 (2024): 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.v2i1.416

Abstract

Currently, it can be said that almost all banks in Indonesia have mobile banking applications to suit the lifestyle of their customers, including Bank Muamalat by launching a mobile banking application (Muamalat DIN). So in this research the researcher will discuss the impact of implementing IT (Mobile Banking) to find out what impacts it has had on customers and companies, where this research was carried out using qualitative methods, namely field research using primary and secondary data. The impact of implementing IT is very significant on the customer opening process, one of which is being able to provide direction or understanding to access various banking services at any time 24 hours a day and this also has a positive effect on the company
Aplikasi Pembiayaan Cicilan Emas pada PT Bank Syariah Indonesia Kantor Cabang Pasuruan Sudirman: Indonesia putri ageng23; Saiful Bakhri
Cashless : Journal of Sharia Finance and Banking Vol. 2 No. 2 (2024): 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.v2i2.592

Abstract

The Gold Installment Financing Application implemented by PT Bank Syariah Indonesia Pasuruan Branch Office is a breakthrough in Islamic banking that offers alternative financing for people who want to buy gold in installments using the murabahah principle. This application makes it easy for customers to choose the desired gold product and determine the installment duration according to their financial capabilities. This study aims to evaluate the extent to which this application makes it easier for people to invest in gold and its contribution in encouraging financial inclusion in Indonesia. This study examines the implementation of the gold installment financing program at PT Bank Syariah Indonesia Pasuruan Sudirman Branch Office. Using a qualitative descriptive research method, which aims to describe in depth the implementation process of the gold installment financing application. This approach was chosen to provide a more comprehensive understanding of the various aspects involved in the implementation of the application. This study analyzes how the gold installment program is implemented and its impact in increasing public access to sharia-based investment. The results of the study show that the gold installment program has succeeded in attracting customers from various circles, especially those who are looking for sharia-compliant investments but have limited initial funds. Its implementation is supported by effective marketing strategies and digital platforms, which have improved customer accessibility.
artikel Keuangan Berkelanjutan dan Integrasi ESG dalam Perbankan Syariah: Jalan Menuju Investasi Halal di 2024 : Jalan Menuju Investasi Halal 2024 Hamidah Wakid; Saiful Bakhri
Cashless : Journal of Sharia Finance and Banking Vol. 2 No. 2 (2024): 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.v2i2.596

Abstract

Sustainable finance has become a key focus in the development of the global financial sector. This concept integrates three main pillars: Environmental, Social, and Governance (ESG), in investment decisions and the operations of financial institutions. In the context of Islamic banking, the ESG concept can be applied by emphasizing Sharia principles that include justice, transparency, and positive social impact. This journal aims to analyze the implementation of ESG in Islamic banking and how it can contribute to the development of sustainable halal investments, as well as the challenges and opportunities in 2024. The research shows that integrating ESG in Islamic banking not only strengthens reputation and social value, but also paves the way for the development of more inclusive and environmentally friendly halal investment products.
Co-Authors A Ifayani Haanurat Abdussalam Adek Nuriya Ahmad Djalaluddin Ahmad Ihwanul Muttaqin Aini, Faradila Akhmad Taufiq Mukti Amironah , Siti Ana Pratiwi Anisak Anisak Anisak Anisak1, Anisak Anjas Wulandari, Siti Pamrih Arifia, Kharina 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 Haidar Idris 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 lutfiyah Mahsun, Mohamad Mardliyyah Masyhuri, Muhammad Maulana, Moh Irham Maulana, Moh. Irham Mauliddiva, Aziza Misbah, Hanim Misbahul Munir Misbahul Munir Mita Amelia Pratiwi Moch. Mahsun Mubarok, Ahmad Fauzan Muchamad Iqbal Fatah Muhammad Abdul Halim Sidiq Muhammad Alwi Muhammad Alwi Muhammad Nur Kholis, Muhammad Nur Muhammad Yazid Mustikaningtyas, Andhita Nadia Azalia Putri Ni’matush Sholihah Nur Aima Shafie Nur Asnawi Nur Jannah, Laila Nuril Aini Nursaid NURUL HIDAYAH Nurul Khofifah, Nurul Pertiwi, Novi Dian putri ageng23 Rachmawati, Putri Yani Rahim, Hainnuraqma Rahma, Tria Rahman, Anisur Ramadan, Syahri Ramadhan, Riski Risa Umami Rosidi Rosidi Rozi, Fathor Sagita Martha Triyani Sari, Yetma Satriyo, Cindy Charisma Selamat, Muhammad Isa Shafie1, Nur Aima Sholiha, Faridatus 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 Syamsul Arifin Ulumudin, Ihya’ WAHYUDI Winarto Eka Wahyudi, Winarto Eka Woro Hastuti Setyantini Yazid, Azy Athoillah Yusuf Yusuf Zainul Arifin