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All Journal Jurnal Istiqro' MALIA Jurnal Mu'allim An-Nisbah : Jurnal Perbankan Syariah Wadiah : Jurnal Perbankan Syariah Jurnal Ekonomi Syariah dan Hukum Islam
Aslikhah
Universitas Yudharta Pasuruan
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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INVESTASI DALAM PERSPEKTI EKONOMI SYARIAH KONTEMPORER MEI, Aslikhah
MALIA (TERAKREDITASI) Vol 8 No 2 (2017)
Publisher : Program Studi Ekonomi Syariah Universitas Yudharta Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (440.729 KB)

Abstract

In the midst of modern society today the problem of investment has been the development of financial activity (financial asset) so rapidly. Lately sharia investment is increasingly crowded because of the public interest in sharia-based investment.There is a positive relationship between the level of investment and the expected rate of return. Investment demand (investment demand) is determined by the level of profit (expected profit).While the expected profit level depends on (1) the total expected profit from firm activity (entrepreneurial) (2) Share in profit claimed by the owner of the fund. Thus, Muslim investors or savers may choose between three alternatives to take advantage of their funds (a) hold cash in cash (b) hold funds in the form of non-revenue assets (eg bank deposits, loans, property, jewelery) or (C) investing funds (becoming an investor in a project that can increase the state capital stock).
ANALISIS FAKTOR FAKTOR YANG MENYEBABKAN KREDIT BERMASALAH PADA KOPERASI SERBA USAHA (KSU) SYARIAH PERMATA BARAKAH PURWOSARI Maulidatul K; Aslikhah

Publisher : Fakultas Agama Islam Universitas Yudharta Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/muallim.v1i2.1628

Abstract

Semakin berkembangnya kegiatan koperasi dapat dilihat dari jumlah anggota koperasi dan seberapa banyak perputaran uang yang sudah memfasilitasi anggotanya, Sehingga sudah sepantasnya koperasi yang berkembang harus selalu meningkatkan kemampuannya dalam mentransformasikan diri sesuai dengan perubahan-perubahan yang terjadi di dalam perekonomian. Sudah banyak contoh koperasi yang gagal dan akhirnya mengalami penutupan karena pengelolaan yang tidak professional. Hal ini kebanyakan disebabkan karena kelalaian dari dalam koperasi, kurangnya anggota yang bergabung dengan koperasi tersebut dan tidak seimbangnya antara pengeluaran kredit dan pemasukan dana berupa tabungan maupun pembayaran kredit tersebut. Penelitian ini bertujuan untuk mengetahui faktor- faktor yang menyebabkan kredit bermasalah pada Koperasi Serba Usaha (KSU) Syari’ah Permata Barokah Purwosari .Penelitian ini menggunakan penelitian kualitatif dengan metode observasi, wawancara, dan dokumentasi. Pada Koperasi Serba Usaha Permata Barakah sistem peminjaman yang membedakan dengan lembaga yang lain adalah koperasi ini hanya mencari nasabah pekerja pabrik atau yang lain yang mempunyai bayaran lewat ATM, kecuali nasabah yang mempunyai usaha yang lain dan mempunyai Akta Jual Beli. Dan faktor- faktor yang paling dominan yang menyebabkan kredit bermasalah yaitu karena saldo yang ada di ATM kosong. Sehingga ketika petugas koperasi ingin melakukan penarikan uang sebagai angsuran tidak bisa.
STRATEGI INOVASI PRODUK PERBANKAN SYARIAH DALAM MENINGKATKAN JUMLAH NASABAH DI PT. BPRS DAYA ARTHA MENTARI BANGIL PASURUAN Anik Fatimatuzahro; Aslikhah Aslikhah

Publisher : Fakultas Agama Islam Universitas Yudharta Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/muallim.v2i1.2202

Abstract

PT. BPRS Daya Artha Mentari Bangil Pasuruan was the first BPRS established in the Pasuruan regency. Over time many other Islamic banks were newly established so that PT. BPRS Daya Artha Mentari Bangil Pasuruan has many competitors. So that PT. BPRS Daya Artha Mentari Bangil Pasuruan must have strategies to increase the number of its customers.The problem examined in this study is how literacy of sharia banking product innovation and how is the innovation strategy of shariah banking products in increasing the number of customers. This study aims to determine customer literacy about sharia banking product innovation and also to find out sharia banking product innovation strategies in increasing the number of customers. The method used in this research is descriptive qualitative research method. This research uses observation, documentation, and interview data collection techniques. The results of this study concluded that customer literacy about product innovation at PT. BPRS Daya Artha Mentari Bangil Pasuruan is still low. And product innovation strategies in increasing the number of customers are done by looking at the needs of the community, BPRS still exist to offer product in the midst of competition, and to socialize each new product and all components of the bank to synergize well and compactly
JUAL BELI AIR SUMBER DALAM PERSPEKTIF ETIKA BISNIS ISLAM DI DESA CANDIWATES KECAMATAN PRIGEN KABUPATEN PASURUAN Khoiriyah; Aslikhah

Publisher : Fakultas Agama Islam Universitas Yudharta Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/mu'allim.v2i2.2213

Abstract

Islam is a source of values ​​and ethics in all aspects of overall human life, including business discourse. One of the unique teachings of Islam is to teach its adherents to carry out economic practices based on Islamic norms and ethics. In this association of life every person has an interest in other people therefore rights and obligations arise. This interaction has many benefits, especially for the fulfillment of basic living needs such as eating, drinking and so forth. Especially in the case of drinking humans need water as a basic need. Water is a resource that is needed by all people in the world and becomes something that is very vital, even for the entire life of living things on this earth. As is the case of trading water in Candiwates Village, Prigen District, Pasuruan Regency. The method used in this research is a qualitative method using case studies. This research uses the method of collecting observation, interview and documentation data. The results of this study conclude that the application of Islamic business ethics in Candiwates Village, Prigen District, Pasuruan Regency is in accordance with the concept of Islamic business ethics which includes unity, justice, responsibility, free will and honesty. But they pay less attention to the implementation of social and environmental responsibility.
Strategi Penguatan Halal Supply Chain Di Indonesia Dalam Menghadapi Global Islamic Economy Aslikhah Aslikhah; Alimatul Faridah
Jurnal Istiqro Vol 7 No 1 (2021): Januari 2021
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/istiqro.v7i1.724

Abstract

Muslim and non-Muslim communities in several countries in the world have taken great opportunities in the halal industry. Countries with a majority Muslim population compete with each other to become the world's halal supply chain. The purpose of writing this article is to find out 1) the KNKS strategy on strengthening the halal supply chain for halal products in Indonesia 2) The strategy of the Ministry of National Development Planning in accelerating the halal supply chain of the halal industry in Indonesia 3) To determine economic conditions of Indonesia in the global Islamic Economy. This article uses secondary data obtained through reports on the GIE 2020/2021 Report, KNKS, and the Ministry of National Development Planning. Data analysis in this article uses four stages, namely data reduction, data categorization, then data verification, and finally with data display. Conclusions are drawn by describing the report in the tables. It can be concluded that, with a large population and a Muslim majority as a destination country for investment in halal products, the strategies undertaken by stakeholders are directed at strengthening Indonesia's halal supply chain towards the world's halal axis.
Implementasi Pembiayaan Gadai Emas Syari’ah dalam Akad Rahn: (Studi Kasus di Bank Syari’ah Mandiri KCP Pasuruan) Aslikhah
An-Nisbah: Jurnal Perbankan Syariah Vol. 1 No. 2 (2020): Jurnal An-Nisbah: Perbankan Syariah
Publisher : PRODI PERBANKAN SYARIAH INSTITUT AGAMA ISLAM (IAI) SUNAN KALIJOGO MALANG

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Abstract

Bank Syariah Mandiri KCP Pasuruan menawarkan berbagai produk jasa, baik itu produk penghimpunan dana maupun pembiayaan. Salah satu produk pembiayaan yang banyak diminati nasabah pada BSM KCP Pasuruan adalah produk pembiayaan gadai emas syariah dengan menggunakan akad Rahn. Tujuan dari penelitian ini adalah untuk mengetahui bagaimana implementasi pembiayaan gadai emas dengan menggunakan akad Rahn di PT Bank Syari’ah Mandiri KCP Pasuruan. Metode penelitian ini yaitu dengan pendekatan kualitatif. Cara pengumpulan data pada penelitian ini yaitu dengan observasi, interview, dan dokumentasi. Hasil dari penelitian ini yaitu Gadai Emas Syari’ah di BSM KCP Pasuruan merupakan produk pembiayaan atas dasar jaminan berupa emas sebagai salah satu alternatif memperoleh uang tunai secara cepat. Produk pembiayaan gadai emas syari’ah yang ada di Bank Syari’ah Mandiri KCP Pasuruan ini dapat digunakan untuk pembiayaan konsumtif, seperti untuk biaya pendidikan, biaya pengobatan, dan penyelenggaraan hajatan maupun pembiayaan produktif, seperti untuk modal usaha.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI NON MUSLIM UNTUK MEMANFAATKAN PRODUK LEMBAGA KEUANGAN SYARI’AH Aslikhah Rina
WADIAH Vol. 1 No. 2 (2017): Wadiah : Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (487.59 KB) | DOI: 10.30762/wadiah.v1i2.1279

Abstract

The purpose of this research is to know the factors that influence of Non Muslim to become an user in BMT Maslahah Tosari. This research used qualitative descriptive method with approach case studies on a natural background. Data was collected by three methods i.e. observation, interview and documentation.The result showed that (1) factors that affect people’s interest in using services financial institutions shari’ahare consumption, revenues, product/ types of saving, the location, service, communityawareness and promotion. (2) Economic factors being the dominant reason for Non Muslim to be the customer in BMT Maslahah Tosari. (3) Other factors to cause Non Muslim to be the customer in BMT Maslahah Tosari are personal factor and psychological factors.Keywords: Non Muslim Client, promotion, and products.
Fenomenologi Self Declare Sertifikasi Halal Bagi Pelaku UMKM Produk Makanan dan Minuman Untuk Peningkatan Awareness Sertifikasi Halal Di Kabupaten Pasuruan Aslikhah; Moh. Mukhsinin Syu’aibi

Publisher : Fakultas Agama Islam Universitas Yudharta Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/mu'allim.v5i1.3424

Abstract

The purpose of this study 1) to determine the phenomenon of self-declaring halal certification for food and beverage product MSME actors in Pasuruan 2) to understand the knowledge of the self-declaring halal certification concept for food and beverage product MSME actors in Pasuruan 3) to prove self-declaring for MSME’s halal certification, food and beverage products can increase awareness of halal certification in Pasuruan . This research is a qualitative research with a phenomenological approach to describe and understand the essence of the experience of MSME in food and beverage products conducting halal certification through the self-declaring route in Pasuruan Regency. The results of this study indicate that there are 3 typologies in the self-declaring phenomenon of halal certification for food and beverage product MSME actors in Pasuruan Regency, namely 1) food and beverage product MSME actors who state that they understand self-declaring halal certification, 2) food and beverage product MSME actors typology. and beverages stating that they do not understand self-declaring halal certification and 3) typology of food and beverage product MSME actors who state that they do not understand self-declaring halal certification with various arguments based on the level of understanding and experience felt by each food and beverage product MSME actor. drinks in Pasuruan Regency. It can be concluded that a good understanding, experience in applying for halal certification and intense assistance from halal product companions will increase awareness of halal certification through the self-declaring pathway for food and beverage product MSME actors in Pasuruan Regency.
EFEKTIVITAS TEKNOLOGI INFORMASI UNTUK PEMULIHAN EKONOMI SENTRA UMKM KESET KARANGREJO PASCA COVID-19 Laili Agustin; M Dayat; Aslikhah Aslikhah; Alimatul Farida
IQTISODINA Vol. 6 No. 1 (2023): JUNI
Publisher : LPPM IAI Nazhatut Thullab

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Abstract

Sentra industri keset ini berada di desa karangrejo kecamatan purwosari kabupaten pasuruan merupakan sentra UMKM terbesar nomer enam yang ada di jawa timur. Penelitian ini berupaya mengkaji tentang efektivitas teknologi informasi perspktif Islam untuk pemulihan ekonomi sentra UMKM keset karangrejo pasca pandemi Covid-19. Penelitian ini mengunakan pendekatan metode deskriptif kualitatif, yaitu pendekripsian tentanag teknologi informasi untuk pemulihan ekonomi sentra UMKM keset yang ada di karangrejo. Teknik pengumpulan data yang dilakukan yakni wawancara, observasi dan dokumentasi di lapangan. Hasil dari penelitian ini menjabaerkan bahwa teknologi informasi yang digunakan oleh para pelaku usah yang ada disentra UMKM keset karangrejo masih belum optimal penggunaannya dikarnakan keterbatasan pengetahuan yang dimiliki oleh para pelaku usah yang ada di sentra UMKM keset karangrejo tentang teknologi informasi bagi perkembangan suatu bisnis di tenggah gempuran akibat adanya pandemi Covid-19. Para pelaku usaha membutuhkan dukungan pemerintah daerah untuk pemulihan ekonomi akibat adanya pandemi Covid-19.
OPTIMALISASI PENGELOLAAN DANA MASJID DALAM MEMBERDAYAKAN EKONOMI UMAT Muhammad Taufik Kurohman; Sukamto Sukamto; Fahmul Iltiham; Aslikhah Aslikhah; Siti Ida Yanti
IQTISODINA Vol. 6 No. 1 (2023): JUNI
Publisher : LPPM IAI Nazhatut Thullab

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Abstract

Masjid Besar Al-Mukhlashin Sukorejo Pasuruan merupakan masjid yang terletak di Jalan Raya Surabaya-Malang tepatnya di Desa Glagahsari, Kecamatan Sukorejo, Kabupaten Pasuruan, Provinsi Jawa Timur yang menjadi kegiatan pemberdayaan ekonomi umat berbasis masjid. Penelitian ini bertujuan untuk mengetahui optimalisasi pengelolaan dana masjid yang dilakukan oleh takmir Masjid Besar Al-Mukhlashin sebagai pusat pemberdayaan ekonomi umat berbasis masjid dan kemakmuran masjid. Jenis penelitian ini adalah penelitian kualitatif dengan pendekatan penelitian deskriptif kualitatif. Data dan sumber data dalam penelitian ini menggunakan sumber data primer dan skunder. Teknik pengumpulan data dalam penelitian ini menggunakan, observasi, wawancara, dan dokumentasi. Dalam analisis data penelitian ini menggunakan analisis Miles dan Huberman yang terdiri dari 3 langkah-langkah yang saling terkait yaitu: reduksi data, paparan data, penarikan kesimpulan dan verifikasi. Dari hasil penelitian didapatkan bahwa pengurus takmir Masjid Al-Mukhlashin telah melakukan penerapan pemberdayaan ekonomi melalui masjid sehingga dana masjid tersebut dapat di kelola untuk pemberdayaan ekonomi umat sekitar masjid, yang mencakupi berbagai program, seperti: 1. Pemberdayaan ekonomi masyarakat sekitar masjid meliputi: (a). Menyediakan sarana prasarana aktivitas ekonomi melalui sentra kuliner yang di sediakan oleh Masjid Al-Mukhlashin, (b). Pemberdayaan masyarakat sekitar masjid sebagai petugas masjid untuk memenuhi kebutuhan hidup sehari-hari, (c). Pemberian bantuan langsung tunai setiap bulannya kepada masyarakat yang berusia 64 tahun keatas atau di katakana fakir, 2. Pemberdayaan ekonomi tersebut berdampak positif terhadap masyarakat sekitar antara lain: (a). Memiliki pekerjaan, (b). Mendapatkan penghasilan, (c). Tingkat kesejahtraan masyarakat Sukorejo meningkat, (d). Mereka juga merasa lebih nyaman karena dekat dengan masjid, sehingga dapat berjama’ah dan kegiatan yang mereka lakukan menjadi berkah.
Co-Authors Anik Fatimatuzahro Fahmul Iltiham Farida, Alimatul Hendri Wahyudi Iltiham, Muhammad Fahmul Khoiriyah Laili Agustin M Dayat Maulidatul K Muhammad Taufik Kurohman Siti Ida Yanti Siti Mutmainatul Rizki Sukamto .