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All Journal Jurnal Ilmiah Ekonomi Islam An Nuqud: Journal of Islamic Economics Journal Pesona Indonesia
Zaman, Ainun Qomaruz
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Religion Economics, Econometrics & Finance Social Sciences

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Analisis Literasi Keuangan Syariah: Studi Kasus Pegadaian Syariah Di Kabupaten Bogor Zaman, Ainun Qomaruz; Widana, Oka
Jurnal Ilmiah Ekonomi Islam Vol 10, No 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14884

Abstract

The purpose of this study is to examine Islamic financial literacy among Pegadaian Syariah employees in Bogor and highlight the important role of adequate knowledge in implementing Islamic financial principles.. The findings suggest that while employees generally possess a solid understanding of fundamental Islamic financial literacy concepts—such as definitions, principles, and Sharia-compliant products—challenges remain in practice. These challenges include insufficient training and limited access to informational resources. Moreover, awareness of the importance of Islamic financial literacy in enhancing service quality and customer satisfaction is still lacking. The study recommends improving training programs and providing more comprehensive informational resources to help employees deliver services that better align with Sharia principles. In conclusion, this research emphasizes the need to enhance both the understanding and application of Islamic financial literacy among employees to support the growth of Pegadaian Syariah and build greater public trust in Islamic financial products.
ANALISIS KINERJA KEUANGAN BANK SYARIAH DI INDONESIA Zaman, Ainun Qomaruz
An Nuqud Journal of Islamic Economics Vol 4 No 1 (2025): AN NUQUD
Publisher : LEMBAGA PENELITIAN DAN PENGABDIAN PADA MASYARAKAT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/annuqud.v4i1.2078

Abstract

This study aims to analyze the financial performance of Indonesian Sharia Banks using financial ratio analysis methods, covering profitability (ROA, ROE, BOPO), liquidity (FDR, Cash Asset Ratio), and solvency. The data used are financial reports from 2021 to 2023. The analysis results indicate that the financial performance of Indonesian Sharia Banks fluctuates, but generally remains stable and has positive growth potential. The study also discusses the impact of the merger process that occurred in 2021 on the bank's financial performance. These findings are expected to provide a comprehensive overview for stakeholders in making strategic decisions and improving the quality of Islamic banking services in Indonesia
Analisis Literasi Keuangan Syariah: Studi Kasus Pegadaian Syariah Di Kabupaten Bogor Zaman, Ainun Qomaruz; Widana, Oka
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14884

Abstract

The purpose of this study is to examine Islamic financial literacy among Pegadaian Syariah employees in Bogor and highlight the important role of adequate knowledge in implementing Islamic financial principles.. The findings suggest that while employees generally possess a solid understanding of fundamental Islamic financial literacy concepts—such as definitions, principles, and Sharia-compliant products—challenges remain in practice. These challenges include insufficient training and limited access to informational resources. Moreover, awareness of the importance of Islamic financial literacy in enhancing service quality and customer satisfaction is still lacking. The study recommends improving training programs and providing more comprehensive informational resources to help employees deliver services that better align with Sharia principles. In conclusion, this research emphasizes the need to enhance both the understanding and application of Islamic financial literacy among employees to support the growth of Pegadaian Syariah and build greater public trust in Islamic financial products.
Implementasi Manajemen Bisnis Syariah pada Unit Usaha Pesantren Tahfidzul Quran: Studi Kasus Pondok Pesantren Tahfidzul Qur’an Imam Syafi’i Putera Brebes Hakim, Abdul; Zaman, Ainun Qomaruz
Jurnal Pesona Indonesia Vol. 3 No. 1 (2026): JPI 2026
Publisher : Institut Teknologi Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71436/jpi.v3i1.120

Abstract

Pondok pesantren memiliki peran strategis tidak hanya sebagai lembaga pendidikan keagamaan, tetapi juga sebagai pusat pemberdayaan ekonomi berbasis syariah. Pengelolaan unit usaha pesantren secara profesional sesuai dengan prinsip-prinsip Islam menjadi hal yang sangat penting untuk mencapai kemandirian ekonomi lembaga. Penelitian ini bertujuan untuk menganalisis implementasi manajemen bisnis syariah pada unit usaha pesantren tahfidzul Qur’an di Pondok Pesantren Tahfidzul Qur’an Imam Syafi’i Putra Brebes. Penelitian ini menggunakan pendekatan deskriptif kualitatif dengan metode studi kasus. Pengumpulan data dilakukan melalui observasi, wawancara, dan dokumentasi selama pelaksanaan program Praktik Pengalaman Lapangan (PPL). Hasil penelitian menunjukkan bahwa pengelolaan unit usaha pesantren, khususnya usaha peternakan terpadu, telah menerapkan fungsi-fungsi utama manajemen bisnis syariah yang meliputi perencanaan, pengorganisasian, pelaksanaan, dan pengawasan, yang berlandaskan pada prinsip kehalalan, amanah, keadilan, serta berorientasi pada kemaslahatan. Implementasi manajemen bisnis syariah tersebut memberikan kontribusi positif dalam meningkatkan kemandirian ekonomi pesantren serta menjadi sarana pendidikan kewirausahaan berbasis syariah bagi para santri. Penelitian ini menyimpulkan bahwa manajemen bisnis syariah dapat menjadi model pengelolaan usaha yang berkelanjutan dan edukatif bagi pesantren tahfidz dalam kerangka ekonomi Islam.
Co-Authors Abdul Hakim Widana, Oka