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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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Journal : Jurnal Mu'allim

 1 
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.
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.
Sertifikasi Halal Untuk Penguatan Branding Produk Usaha Mikro Kecil di Kabupaten Pasuruan Aslikhah; Alimatul Farida

Publisher : Fakultas Agama Islam Universitas Yudharta Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/mu'allim.v5i2.4185

Abstract

Since the enactment of the Halal Product Guarantee Law on Micro, Small and Medium Enterprises (MSMEs), the number of MSMEs that are halal-certified in Pasuruan Regency has experienced a rapid increase. This situation indicates that the halal certification of MSME products has an important position in society. The purpose of this study was to find out Halal Certification for Strengthening Product Branding of Micro, Small and Medium Enterprises in Pasuruan Regency. The research method used is qualitative research with an instrumental case study approach because you want to understand or emphasize an understanding of an issue or reformulate a theoretical explanation. Data collection was carried out by observation, interviews and documentation. The analysis in this study uses qualitative data analysis, and the results of this study emphasize meaning rather than generalization. The stages in this research were first, formulating the problem as the focus of research, second, collecting data in the field, third, analyzing data, and fourth formulating the results of a study on Halal Certification for Strengthening MSME Product Branding in Pasuruan Regency. The results showed that the halal certification of MSME products in Pasuruan Regency did not yet have the power of branding from consumer perceptions, due to several indicators, namely brand awareness, brand associations, perceived quality and consumer brand loyalty. MSME products that are halal certified are still low. The low level of these indicators is due to differences in education levels, environmental conditions, and low knowledge of halal certification.
Co-Authors Anik Fatimatuzahro Farida, Alimatul Hendri Wahyudi Iltiham, Muhammad Fahmul Khoiriyah Laili Agustin M Dayat Maulidatul K Muhammad Taufik Kurohman Siti Ida Yanti Siti Mutmainatul Rizki Sukamto .