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All Journal DE JURE Al Hikmah : Jurnal Studi Keislaman Volksgeist: Jurnal Ilmu Hukum dan Konstitusi Jurnal Perbankan Syariah Darussalam (JPSDa) Mizania : Jurnal Ekonomi dan Akuntansi Al Hikmah: Indonesian Journal of Early Childhood Islamic Education Welfare: Jurnal Pengabdian Masyarakat Journal of Community Engagement in Economics TADBIR : Journal of Islamic Education Management Journal of Shariah Economics Journal of Islamic Banking
Moh Agus Sifa'
Universitas Al-Hikmah Indonesia
Religion Humanities Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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PENGARUH PEMBERIAN REWARD DAN PUNISHMENT TERHADAP KINERJA KARYAWAN DI BMT NU SINGGAHAN TUBAN Moch Zaenal Azis Muctharom; Moh. Agus Sifa'
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 2 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i1.828

Abstract

This article was conducted to determine the effect of providing rewards and punishment on employee performance at BMT NU Singgahan Tuban. The type of research used is in the form of field research using quantitative research methods in which primary data is obtained through interviews in the form of questionnaires (questionnaires to all BMT NU Singgahan Tuban employees with a sample size of 46 employees. The research consists of 3 variables which are where there are 2 variables The research was obtained through Hypothesis Testing consisting of a partial t-test. The results obtained were that the reward variable was significantly o,ooo and Punishment was significantly 0.040, which means the significant value was <0.05 and it could be said that variable Simultaneous F obtained a significant value of 0.000, which means <0.05 and it can be stated that variable
Implementasi Fatwa DSN-MUI Tahun 2002 Tentang Rahn Dalam Layanan Pegadaian Syariah Tuban: Telaah Terhadap Penerapan Biaya Mu’nah Moh Agus Sifa'; Ahmad Syakur
JOURNAL OF SHARIA ECONOMICS Vol 7 No 1 (2025): Jounal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i1.1026

Abstract

This study examines the implementation of the 2002 DSN-MUI Fatwa on Rahn in Pegadaian Syariah Tuban services, focusing on the application of mu'nah fees. This study aims to understand how Pegadaian Syariah Tuban applies sharia principles in Rahn services and how mu'nah fees are determined and charged to customers. The results of the study indicate that Pegadaian Syariah Tuban has implemented Rahn in accordance with sharia principles and the provisions of the DSN-MUI Fatwa, with mu'nah fees charged to customers based on the estimated value of marhun. This study contributes to the understanding of the implementation of sharia principles in sharia financial services and can be a reference for practitioners and researchers in the field of sharia finance
Implementasi Good Corporate Governance Dalam Meningkatkan Kepercayaan Pada Perbankan Syariah Moh. Agus Sifa'; Chusnu Fahruddin
Journal of Islamic Banking Vol. 2 No. 1 (2021): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

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Abstract

It is important to do so in order to further foster trust in society and improve the performance and progress of Islamic banking. The implementation of GCG in sharia institutions is important for the development of Islamic banking towards a more advanced direction. This is done because there is no guarantee that if an institution carries the name sharia, the institution will automatically implement good corporate governance. The research method used is a research library. The library research method is one of the methods that is part of the qualitative approach is library research (library research). Inspiration, this concept is needed in maintaining the objectivity of an organization or company in running a business by providing clear, accurate, easily accessible and understandable information and can be accounted for by all stakeholders in the organization or company. Accountability, this concept is needed to see the extent to which the performance has been produced by an organization and company. Responsibility, this concept reflects the responsibility of each individual or organization or company in complying with all tasks in the work, government regulations and policies relating to the business activities of an organization or company. Independence, this concept can be used as self-actualization for organizations and companies that can stand alone and have a competitive edge with their business environment. Fairness, this concept is needed to maintain company stability by maintaining fairness and equality for every member, stakeholder and other stakeholders in an organization or company with their respective portions.
JUAL BELI BITCOIN DALAM PERSPEKTIF EKONOMI ISLAM Moch Zaenal Azis Muctharom; Moh. Agus Sifa'
Journal of Islamic Banking Vol. 3 No. 2 (2022): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

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Abstract

Bitcoin is one of several digital currencies that first appeared in 2008 which was introduced by Satoshi Nakamoto as a currency based on cryptography. Bitcoin is a payment network based on peer-to-peer technology. Peer-to-peer network is a network that acts as a server as well as a client. Every Bitcoin transaction is stored in the database of the Bitcoin network. When a transaction occurs with Bitcoin, buyers and sellers will automatically be recorded in the Bitcoin database network. Bitcoin has advantages and disadvantages. The advantage of Bitcoin is that it is safe because every currency transaction is governed by a cryptography algorithm so that there is no possibility for counterfeiting currency balances. The drawback is that the Bitcoin system is anonymous, making Bitcoin vulnerable to cybercrime, if Bitcoin is lost, you cannot be insured because Bitcoin is not bound by any institution or law. Bitcoin as a means of payment transactions. This is because Bitcoin does not meet several elements and criteria as a valid currency, especially in the principles of Islamic Economics. In the context of digital money, there is no underlying, that is, assets are used as the basis for transactions. In this case, two things can be concluded. First, digital money is not currency. Second, there is an element of ambiguity (Gharar). n this case Bitcoin has no Underlying Assets, prices do not represent Underlying Assets, prices are out of control and the function of this digital currency has developed from being a medium of exchange to an investment commodity.
TINJAUAN PENGUMPULAN ZAKAT DI LAZISNU SINGGAHAN TUBAN Heri Kuncoro Putro; Agus Wahyu Irawan; Moh. Agus Sifa'
Journal of Islamic Banking Vol. 4 No. 1 (2023): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

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Abstract

The problem of povertyis still a classic problem in this country that still cannot be resolved. Poverty is increasingly coming to the fore, especially in various regions in Indonesia as a result of the economic downturn. Thus, of course, a precise and accurate formulation is needed to minimize the poverty rate. Zakat is one instrument to make it happen. The research that the researcher did was included in descriptive research with a qualitative approach. The results showed that zakat management efforts at LAZISNU Singgahan were carried out through ball pick-up services, promotions, account transfers, and establishing emotional relationships with the community.However, in the management of zakat there are obstacles that make the management of zakat at LAZISNU Singgahan not maximal in its implementation, including the human resources working at LAZISNU Singgahan where mustahiq are less active in participating in programs held by LAZISNU Singgahan and their assistance is lessthan optimal, causing a lack of understanding community towards the program run by LAZISNU Singgahan.
Analisis Fluktuasi Keuntungan Mitra Bisnis Franchise Ayam Geprek Sa'i dengan Sistem Persentase: Pendekatan dari Aspek Manajemen Pemasaran Syariah Moh. Agus Sifa'; Moch. Zaenal Azis Muctharom
Journal of Islamic Banking Vol. 4 No. 1 (2023): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

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Abstract

ABSTRACT This research focuses on analyzing the process of purchasing a cooperation license and the implementation of the mudarabah agreement in the fluctuation of profit sharing between Geprek Sa'i franchisers and business partners. In purchasing the Ayam Geprek Sa'i franchise business license, the business partner includes initial capital of IDR. 350,000,000, including renovation of premises, equipment, supplies and use of the name Ayam Geprek Sa'i license. The mudarabah agreement is implemented with this initial capital, and the distribution of profits is carried out based on revenue sharing. In this system, 70% of the net profit income is given to the franchiser, while 30% is given to the business partner. This process is explained through ijab qabul, where the business partner can make an initial payment and provide a place, then confirm with the franchiser. Fluctuations in the Ayam Geprek Sa'i franchise business are influenced by location factors and raw material prices. The distribution of profits is based on net profit income for one month, and the distribution percentage refers to revenue sharing, namely 70% for franchisers and 30% for business partners. This research takes a qualitative descriptive approach to explain the process and application of mudarabah contracts in the context of sharia economic law.
Restrukturisasi Produk Pembiayaan Musharakah Mutanaqishah Di Bank Syariah Indonesia Dalam Etika Manajemen Koperasi Berbasis Syariah Moh Agus Sifa'; Shelvyna Rikantasari
Journal of Islamic Banking Vol. 5 No. 2 (2024): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jib.v5i2.1024

Abstract

This study aims to examine the implementation of the restructuring of the musharakah mutana>qishah financing product at Bank Syariah Indonesia (BSI) Bojonegoro Branch from the perspective of Islamic economic law and to assess its compliance with Islamic principles in cooperative management. The method used is qualitative with a field study approach through interviews with internal BSI parties and financing customers. The results of the study indicate that the implementation of the musharakah mutanaqishah contract at BSI Bojonegoro Branch experienced a contract engineering (hilah), where the object of the transaction is an asset that was previously fully owned by the customer. This practice is not entirely in accordance with the original characteristics of the musharakah contract, and is more like a 'inah sale and purchase scheme according to the perspective of muamalah fiqh. In the context of Islamic economic law, the transaction can be considered valid if it meets the pillars and conditions of sale and purchase, as explained in the view of the Syafi'iyah school. This study recommends BSI to review the implementation of contracts to maintain sharia integrity in financing products and encourage innovation that is oriented towards the benefit and justice for all parties.
Strategi Manajemen Sumber Daya Manusia Berbasis Syariah untuk Meningkatkan Kinerja Karyawan di Lembaga Keuangan Syariah dalam Perspektif Al-Quran Moh Agus Sifa'; Heri Kuncoro Putro; M. Mun'im
Journal of Islamic Banking Vol. 6 No. 1 (2025): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jib.v6i1.1025

Abstract

This article discusses sharia-based human resource management (HR) strategies which aim to improve employee performance in sharia financial institutions. Implementing HR management in accordance with Islamic principles is not only important for sharia compliance, but also for creating an ethical and productive work environment. Through analysis of various strategic elements, including recruitment and selection, training and development, performance appraisal, reward systems, and leadership, this article highlights the importance of integrating sharia values ​​in every aspect of HR management. By referring to verses of the Koran, such as QS. An-Nisa [4]: ​​58 which emphasizes trust and justice, QS. Al-Baqarah [2]: 261 which describes blessings in work, as well as QS. Al-Mulk [67]: 15 which encourages good work ethics, this article shows that the application of these principles can produce employees who are not only competent, but also have integrity. This research implies that sharia-based HR management strategies can make a significant contribution to the performance of sharia financial institutions, as well as their reputation in society.
Manajemen Resiko Pembiayaan Bank Syariah Indonesia : Tantangan dan Solusi Heri Kuncoro Putro; Andriani .; Moh Agus Sifa'
Journal of Islamic Banking Vol. 6 No. 1 (2025): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jib.v6i1.1027

Abstract

Risk management in Islamic financial institutions should be a primary concern. Good risk management can help Islamic banks to identify, measure, manage, and control the risks faced. The study aims to find out more about the challenges faced and the solutions implemented by financial institutions, especially Islamic banking. The research method uses a descriptive qualitative method with data collection through case studies, literature reviews, observations and interviews with related parties. The results of the study show the challenges faced by Islamic banking in risk management in the form of: technology risk, digital security risk, liquidity risk and risk of compliance with Islamic financial principles. Solutions are needed to address the challenges faced, namely, first, implementing the Basel III standard risk management framework, AAOIFI standards and the specific needs of the Islamic fintech ecosystem. Second, providing training and educating human resources.
Peran Manajemen Syariah Dalam Meningkatkan Kinerja Bank Syariah Di Era Digital Moh Agus Sifa'; Moch. Zaenal Azis Muctharom
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 6 No. 1 (2026): Januari 2026
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v6i1.4490

Abstract

Digital transformation has become inevitable for the banking industry, including Islamic banking. The development of digital technology presents both opportunities and challenges for Islamic banks in improving operational performance without neglecting compliance with Islamic principles. This study aims to examine the role of Islamic management in supporting the development of digital products and services and its impact on the performance of Islamic banks in the digital era. The research method used is a literature study by analyzing various scientific sources such as journals, academic articles, and official reports related to digitalization and Islamic banking. The results show that the implementation of digital technology has a positive impact on the performance of Islamic banks, particularly in improving operational cost efficiency, service quality to customers, and expanding financial inclusion. Islamic management plays a strategic role in ensuring that developed digital innovations remain in line with Islamic principles, such as the prohibition of riba (usury), gharar (gharar), and maisir (gambling). However, this study also found obstacles in the digitalization process, including regulations that are not fully adaptive to technological developments and low digital literacy among customers and human resources in Islamic banks. Therefore, this study recommends strengthening the role of sharia management in digitalization supervision, improving human resource competency, and closer collaboration between sharia banks and regulators to realize sustainable digital transformation in accordance with sharia principles.
Co-Authors A Halil Thahir Agus Wahyu Irawan Agus Wahyu Irawan Ahmad Subakir, Ahmad Ahmad Syakur Andriani Andriani Andriani . Bayu Mujrimin Chusnu Fahruddin Eva Fahma Diafil Jilan Fatikha Rizqya Nur Febri Handayani Fira Mubayyinah Heri Kuncoro Putro Heri Kuncoro Putro Heri Kuncoro Putro Imam Wahyudhi Irawan, Agus Wahyu Joko Hadi Purnomo Kuncoro Putro, Heri Lisa Aminatul Mukaromah M Thoyyib M. Mun'im Maftuh Maftuh Moch Zaenal Azis Muchtarom Moch Zaenal Azis Muctharom Moch Zaenal Azis Muctharom Moch Zaenal Azis Muctharom Moch. Zaenal Azis Muctharom Moch. Zaenal Azis Muctharom Moch. Zainuddin Muchtharom, Moch. Zaenal Azis Muctharom, Moch. Zaenal Azis Muhammad Aziz Muhammad Aziz Mujib Ridlwan Naja, Elvina Karomatan Nikmah, Aliyatun Novitasari, Nurul Nurul Azizah, Siti Nurul Novitasari R.P. Banerjee Rikantasari, Shelvyna Rini Susanti and Zainuddin Roni, Mukhamad Sandro Wahyu Permadi Sari, Innaka Shelvyna Rikantasari Shelvyna Rikantasari Tanima Chatterjee Tri Septiana Wulandari Zaenal Azis Muctharom, Moch.