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The Implementation of Education Insurance: A Case Study on Takaful Keluarga Insurance Nasrulloh Nasrulloh; Badrul Mutaqqin
EkBis: Jurnal Ekonomi dan Bisnis Vol 4, No 2 (2020): EkBis: Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/EkBis.2020.4.2.1273

Education insurance is an insurance product that guarantees the cost of education for children up to the higher education level. The insured party or the customer is required to pay an amount when the contract is completed according to the agreement of both parties. In practice, education insurance is a combination of the benefits of education funds as well as life insurance. But in fact, insurance participants complained about the procedure for paying education insurance claims. The difficulty of claiming requirements and unclear claims submission processes. This research uses a qualitative research method with a descriptive approach through field research, observation or direct observation, interviews at Surabaya Takaful Keluarga Insurance. The findings show that participants can claim education funds from full-time products according to the time written in the policy book. The Takaful Keluarga Insurance Company provides concessions for policyholders to submit claims one year before the stipulated time as long as there are sufficient savings funds. The implementation of full-blown products in terms of the claim procedure and benefits obtained is following the MUI DSN Fatwa No. 53/DSN-MUI/III/2006 and No. 21/DSN-MUI/ X/2001

Strategi Pengembangan Sumber Daya Manusia Melalui Metode Analisis SOAR pada Pariwisata Syariah di Pulau Madura Farid Ardyansyah; Nasrulloh Nasrulloh
Jurnal Ilmiah Ekonomi Islam Vol. 8 No. 3 (2022): JIEI : Vol.8, No.3, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i3.6560

According to data from The Global Islamic Economy Report cited by Reuters (2015) predicts that it will increase in 2019 to 238 billion dollars and represent 13% of global contests. Projections of Muslim tourists will increase so that Madura Island, which is still just developing, is able to take advantage of these opportunities and can take advantage of one of the sharia tourism development destinations that must be able to take advantage of these opportunities and prove that the Madura economy is capable and competitive. Sharia tourism is a tourism concept that makes it easy for Muslim tourists to fulfill their travel needs. The analytical method used to formulate the strategy is SOAR analysis using a matrix that is adapted to research needs. The results of this study include 1) Planning and developing tourism through the creation of promotional media, both print media and social media that are integrated with the website to attract tourists and investors. 2) Rearrange and classify tourist objects by making clear, persuasive, informative and binding regulatory plans. 3) Madura Island tour packages in collaboration with relevant agencies or travel agents. 4) Creating training and coaching activities for local youth or synergizing with local communities in an effort to build excellent service. 5) Provide facilities and infrastructure that support Madura Island tourism comprehensively, such as a safe, communicative and integrated information service center. 6) Coordinate and map areas that are tailored to the needs and expected numbers. In addition, making regulations and coaching for owners of tourist agents, owners of inns/hotels or synergizing with the surrounding community.

Stability and Profitability of BSI and BCA Syariah: RGEC and SCnP Analysis Nanda Alfreda Putri; Nasrulloh Nasrulloh
Jurnal Akuntansi dan Keuangan Islam Vol 14, No 1 (2026)
Publisher : INSTITUT AGAMA ISLAM SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61111/jakis.v14i1.1261

This study aims to analyze and compare the stability, profitability, and compliance with Sharia principles of Bank Syariah Indonesia (BSI) and Bank Central Asia (BCA) Syariah during the 2022–2024 period. This study was motivated by the need for a comprehensive evaluation of Sharia bank performance, particularly following the BSI merger and operational disruptions in 2023. The research method is a comparative, descriptive, quantitative approach that utilizes secondary data from annual financial reports. The analysis used the Risk Profile, Good Corporate Governance, Earnings, and Capital (RGEC) method to assess bank stability and health, and the Sharia Conformity and Profitability (SCnP) method to measure sharia compliance and profitability. The results show that both banks are in a healthy and stable condition. BSI excels in profitability, operational efficiency, and corporate governance, and occupies the ideal SCnP quadrant. Meanwhile, BCA Syariah has advantages in risk control and capital strength, but its profitability level is relatively lower. The combination of the RGEC and SCnP methods provides a more comprehensive picture of Sharia bank performance. Penelitian ini bertujuan untuk menganalisis dan membandingkan stabilitas, profitabilitas, dan kepatuhan terhadap prinsip syariah Bank Syariah Indonesia (BSI) dan Bank Cental Asia (BCA) Syariah selama periode 2022–2024. Penelitian ini dimotivasi oleh kebutuhan akan evaluasi komprehensif kinerja bank syariah, khususnya setelah merger BSI dan gangguan operasional pada tahun 2023. Metode penelitian yang digunakan adalah pendekatan kuantitatif deskriptif komparatif dengan memanfaatkan data sekunder berupa laporan keuangan tahunan. Analisis dilakukan menggunakan metode Profil Risiko, Tata Kelola Perusahaan yang Baik, Laba, dan Modal (RGEC) untuk menilai stabilitas dan kesehatan bank, dan metode Kesesuaian Syariah dan Profitabilitas (SCnP) untuk mengukur kepatuhan syariah dan profitabilitas. Hasil penelitian menunjukkan bahwa kedua bank berada dalam kondisi sehat dan stabil. BSI unggul dalam profitabilitas, efisiensi operasional, dan tata kelola perusahaan, serta menempati kuadran SCnP ideal. Sementara itu, BCA Syariah memiliki keunggulan dalam pengendalian risiko dan kekuatan modal, tetapi tingkat profitabilitasnya relatif lebih rendah. Kombinasi metode RGEC dan SCnP memberikan gambaran yang lebih komprehensif tentang kinerja bank syariah.

Analisis Strategi Islamic Marketing Mix Pada Produk Pembiayaan BMT UGT Nusantara Cabang Blega Menurut Perspektif Samir Abuznaid Nasrulloh; Ghuzat Fidinillah
el-Jizya: Jurnal Ekonomi Islam Vol. 13 No. 2 (2025): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v13i2.12020

Penelitian ini mengkaji pemasaran dalam lembaga keuangan, khususnya di sektor keuangan syariah yang berkembang pesat dengan persaingan yang semakin ketat. Penelitian berfokus pada BMT UGT Nusantara cabang Blega yang menghadapi tantangan dalam mempertahankan pangsa pasar di tengah bertambahnya jumlah lembaga keuangan syariah. Penelitian ini menggunakan strategi Islamic marketing mix 9P menurut perspektif Samir Abuznaid, mencakup produk, promosi, tempat, harga, orang, bukti fisik, proses, janji, dan kesabaran, untuk menganalisis penerapan strategi pemasaran produk pembiayaan, menentukan elemen dominan, serta mengkaji dampak perubahan terhadap jumlah nasabah. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan deskriptif. Data dikumpulkan melalui observasi, wawancara, dan dokumentasi menggunakan teknik Snowball sampling. Analisis data meliputi reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa 1) BMT UGT Nusantara Cabang Blega menawarkan produk sesuai prinsip syariah, menetapkan harga jelas, memilih lokasi strategis, dan menggunakan promosi mulut ke mulut serta media sosial. Fokus lainnya adalah pelatihan karyawan, proses pembiayaan fleksibel, fasilitas fisik memadai, ketepatan janji, dan kesabaran. 2) Urutan elemen dominan dalam strategi ini adalah produk, tempat, promosi, proses, bukti fisik, harga, sabar, janji, dan manusia. 3) Penerapan strategi ini berhasil meningkatkan jumlah nasabah, akan tetapi masih terdapat tantangan internal dan eksternal. Evaluasi dan penyesuaian rutin diperlukan untuk pertumbuhan berkelanjutan.

An Extended Technology Acceptance Model for Analyzing the Adoption of the BSI Mobile Banking Application BYOND: A Comparative Study Between Generation Y and Generation Z Customers in Indonesia Nuzhuliya Mega Avifa; Nasrulloh Nasrulloh
JURNAL AT-TURAS Vol 13, No 1 (2026)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/at-turas.v13i1.14500

This study extends the Technology Acceptance Model (TAM) by integrating Sharia-based variables—Trust in Islamic Brand, Religiosity Influence, and Perceived Sharia Compliance—to examine user acceptance of the BYOND digital banking application in Indonesia’s Islamic banking sector. It also compares adoption patterns between Generation Y and Generation Z. Data were collected through an online survey of 139 respondents, the majority of whom had migrated to BYOND (96%). The model was analyzed using PLS-SEM with SmartPLS 4.0. Results indicate that the extended model demonstrates moderate predictive power (R²adj = 0.350), exceeding the explanatory capacity commonly reported for the original TAM in similar contexts. Perceived Sharia Compliance emerged as the strongest determinant of acceptance (t = 2.213), followed by Perceived Ease of Use (t = 2.194) and Perceived Usefulness (t = 2.066). Multi-group analysis reveals significant generational differences: Generation Z is more influenced by Sharia compliance and religiosity, whereas Generation Y is more responsive to functional benefits and brand trust. The findings suggest that technology adoption in Islamic digital banking cannot be explained solely by utilitarian factors but requires assurance of Islamic value integrity. However, the relatively small and user-dominant sample may limit generalizability. Future research should employ larger cross-regional samples and longitudinal designs to further validate the extended model.

Implementation Of E-Sedekah Via Gopay In LAZISMU Bojonegoro In Increasing Interest InN Giving To The Comunity Alvi Ani Dwi Rahmawati; Nasrulloh Nasrulloh
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol. 14 No. 2 (2022)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v14i2.11501

Penelitian ini bertujuan untuk menganalisis pengaruh perkembangan teknologi berupa pembayaran nontunai dalam meningkatkan minat masyarakat dalam bersedekah khususnya di Kabupaten Bojonegoro. Penelitian ini menggunakan metode kualitatif yang bertujuan untuk memahami dan menganalisis literatur terkait transaksi sedekah non tunai. Objek penelitian ini adalah para donatur (muzakki) di Lazismu Bojonegoro. Sedangkan teknik pengumpulan datanya menggunakan teknik wawancara mendalam yang penulis lakukan dengan karyawan Lazismu Bojonegoro. Dengan animo masyarakat dalam berzakat, Lazismu selalu mendorong inovasi dan berupaya untuk mempermudah masyarakat dalam berzakat melalui berbagai layanan digital, baik digital banking, e-commerce maupun financial technology. Dalam upaya memaksimalkan penghimpunan dana tersebut, Lazismu menggandeng Gopay-Gojek. Nantinya masyarakat bisa berzakat melalui aplikasi Go-Pay Gojek. Namun hasil penelitian menunjukkan bahwa saat ini animo masyarakat Bojonegoro dalam melakukan sedekah non tunai atau E-sedekah masih rendah, karena masyarakat belum familiar dengan fitur sedekah di aplikasi Go-Pay Gojek. Dalam mengantisipasi permasalahan tersebut, Lazismu Bojonegoro terus melakukan inovasi melalui digitalisasi produk, sehingga animo masyarakat dalam berzakat tetap konsisten yaitu dengan menggunakan WhatsApp Blast, transfer melalui rekening bank atau melalui aplikasi pembayaran seperti LinkAja atau dengan jemput sedekah langsung ke muzakki. . karena masyarakat belum familiar dengan fitur sedekah di aplikasi Go-Pay Gojek. Dalam mengantisipasi permasalahan tersebut, Lazismu Bojonegoro terus melakukan inovasi melalui digitalisasi produk, sehingga animo masyarakat dalam berzakat tetap konsisten yaitu dengan menggunakan WhatsApp Blast, transfer melalui rekening bank atau melalui aplikasi pembayaran seperti LinkAja atau dengan jemput sedekah langsung ke muzakki. . karena masyarakat belum familiar dengan fitur sedekah di aplikasi Go-Pay Gojek. Dalam mengantisipasi permasalahan tersebut, Lazismu Bojonegoro terus melakukan inovasi melalui digitalisasi produk, sehingga animo masyarakat dalam berzakat tetap konsisten yaitu dengan menggunakan WhatsApp Blast, transfer melalui rekening bank atau melalui aplikasi pembayaran seperti LinkAja atau dengan jemput sedekah langsung ke muzakki. .

Strategy for Increasing Interest in Muzakki Through Digital Payment Applications: Case Study in Baznas Jombang Fitriyatus Sofiyah; Nasrulloh Nasrulloh
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol. 15 No. 2 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v15i2.15252

Â In this digital era, many institutions have implemented digital payments as a tool for transactions easily and efficiently. But there are still many people in general, especially Muzakki, who don't know how to make transactions via digital payments. This causes people's interest in becoming muzakki in giving zakat to not increase due to several factors such as a lack of understanding about what digital payments are used, then a lack of socialization regarding the benefits of digital payments for muzakki. institutions must socialize about Digital Payment so that it is easier for Muzakki to carry out zakat transactions. The research methods used by researchers are descriptive qualitative methods and case studies. By writing this journal, researchers can conclude that the existence of digital payments which have been implemented by the Jombang national zakat amil institution (BAZNAS) is not widely known by the community as a whole. So the public's interest in becoming muzakki has increased but not too significantly. Of the many digital payments used by institutions, many muzak choose to transact via banks.Keywords: Digital Payment, Interest, Muzakki, Zakat

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