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All Journal Tasharruf : Journal of Islamic Economics and Business
Nor Firman, Rachmad
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Economics, Econometrics & Finance

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Strategi Penyaluran Pembiayaan Usaha Mikro Kecil Dan Menengah Di Bank Syariah Mandiri : (Studi Bank Syariah Mandiri Kantor Cabang Pasuruan) Nor Firman, Rachmad; Azizah, Ismatul
Tasharruf : Journal of Islamic Economics and Business Vol. 1 No. 1 (2020): Tasharruf : Journal of Islamic Economics and Business (Mei)
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v1i1.63

Abstract

This study aims to determine the financing distribution strategy for micro, small and medium enterprises (MSMEs) at Bank Mandiri Syariah Pasuruan Branch Office. The research method used is descriptive qualitative analysis research method with technical data analysis used is phenomenological analysis. The results of the study resulted in several conclusions, namely first, in the distribution of MSME financing, Bank Syariah Mandiri divided into several segments, namely the fixed income group customer segment, business customer segment, community segment and regional segment. Second, the strategies implemented in the distribution of MSME financing are market penetration strategies or marketing, product manual strategies, strategies for cooperating with agencies, walk-in and existing customer strategies and promotion strategies. Then there are several obstacles from the distribution of MSME financing
Laju Percepatan Perkembangan Perbankan Syariah Melalui Penerapan Tata Kelola Syariah Nor Firman, Rachmad; Alwi, Muhammad
Tasharruf : Journal of Islamic Economics and Business Vol. 1 No. 1 (2020): Tasharruf : Journal of Islamic Economics and Business (Mei)
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v1i1.67

Abstract

The growth and development of the Indonesian Islamic banking industry shows an increasing graph, although experiencing a slowdown. Data published by OJK shows that national Islamic banking contributed 4.81% to the market share with asset growth getting 1197% as of June 2018. At the global level, the Islamic financial services sector, including banking, controls 3% and together with Qatar, Saudi Arabia, Malaysia, the United Arab Emirates and Turkey are the driving forces of Islamic finance in the future. One of the strategic issues that becomes an obstacle is the public's misperception of Islamic banking regarding contracts, products and services that do not comply with sharia principles. Implementation of governance is an effort to accelerate the growth of Islamic banking.
Hubungan Antara Modal Manusia (Human Capital) dan Modal Finansial (Financial Capital) dengan Partisipasi Anggota Lembaga Masyarakat Desa Hutan (LMDH) dalam Program Pengelolaan Hutan bersama Masyarakat (PHBM) Nor Firman, Rachmad; Sholikha, Aqidatus
Tasharruf : Journal of Islamic Economics and Business Vol. 1 No. 2 (2020): Tasharruf : Journal of Islamic Economics and Business (November)
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v1i2.70

Abstract

This research is an explanatory research, while the method used is a survey method in Tlekung Village, Junrejo District, Batu City. In this study, 24 samples were determined based on simple random sampling. Data analysis used descriptive analysis and Rank Spearman correlation analysis. The results in this study are as follows: 1) The human capital condition of LMDH members is in the high category and the financial capital of LMDH members is in the medium category. 2) LMDH members' participation in this PHBM program is in the high category. 3) There is a positive relationship between human capital and the participation of LMDH members in the Community Forest Management Program (PHBM), and there is no relationship between financial capital and the participation of LMDH members in the PHBM program. Further research is needed regarding the participation of LMDH members on forest management in the PHBM Program with the condition of human capital, for example regarding different levels of education and financial capital or on the factors that influence them, so that better government policies can be formulated in the forestry sector, especially related to Community Forest Management (PHBM) program.
Peranan Akuntansi Pertanggung Jawaban dalam Pengendalian Manajemen pada Bank Syariah Nor Firman, Rachmad; Faizun, Dikril
Tasharruf : Journal of Islamic Economics and Business Vol. 1 No. 2 (2020): Tasharruf : Journal of Islamic Economics and Business (November)
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v1i2.71

Abstract

The form of line management accountability in Islamic banks is something that needs to be considered. Accountability needs to be pursued because this is to protect assets from theft, embezzlement, misuse or placement of assets in inappropriate locations. Thus, every line management of Islamic banks needs to use responsibility accounting as a control in management control. Accountability accounting in Islamic banking is present because of the decentralized form of responsibility and authority applied by the top management of the Islamic bank. effectiveness and efficiency as well as the state of the bank they lead. So that top management can make the right business decisions for the existence of Islamic banks in the future.
Co-Authors Azizah, Ismatul Faizun, Dikril Muhammad Alwi Sholikha, Aqidatus