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Fitri Nur Latifah
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Perisai : Islamic Banking and Finance Journal
Published by Universitas Muhammadiyah Sidoarjo
ISSN : 25033077     EISSN : 25033077     DOI : https://doi.org/10.21070/perisai
Core Subject : Economy,
Economics, Econometrics & Finance
PERISAI Journal of Islamic Banking and Finance publishes articles and short communications in Banking and Finance covers wide range of islamic studies forms such as Fiqh Muamalah, Economy, Banking, Finance, Islamic Studies and Business Model issue. Reader : Islamic Studies, society, student Author : academic, professional
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Pemasaran
Articles 158 Documents
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Pengaruh Omzet Usaha dan Nilai Jaminan Terhadap Kelancaran Pengembalian Pembiayaan Murabahah pada UMKM di BMT (The Effect of Turnover and Collateral Value on The Smooth Repayment of Murabahah Financing for MSME Customers) Azizah, Nur; Kaban, Reny Fitriana; Hadiyati, Puji
Perisai : Islamic Banking and Finance Journal Vol. 4 No. 2 (2020): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v4i2.902

Abstract

This study aims to determine the effect of turnover and collateral value on the smooth repayment of murabahah financing for MSME customers at BMT At-Taqwa Kemanggisan. This study uses quantitative methods with primary obtained data by interviews with BMT and secondary obtained data from annual report of BMT debtors. The research method used purposive sampling with sample of 286 debtors and the data is processed by STATA application version 14.2. The results show that the variables of turnover and collateral value simultaneously effect the smooth repayment of murabahah financing with a significance value of 0.0000. Meanwhile with the partial test only the turnover variable has effect on the smooth repayment of murabaha financing with significance value 0.023.
Penerapan Kinerja Mashlahah Performa dalam Penghimpunan Harta di Al Muttaqin Kota Tasikmalaya (Implementation of Mashlahah Performance in Asset Collection in Al Muttaqin, Tasikmalaya City) Rohman, Pupun Saepul; Ramdani, Ramdani; Krisnaningsih, Diah
Perisai : Islamic Banking and Finance Journal Vol. 4 No. 2 (2020): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v4i2.948

Abstract

This study aims to examine the management of assets at the Al Muttaqin Foundation LPI for its suitability with maqāṣid syarīah in its measurement using Maslahah Performance (MaP) developed by Ahmad Firdaus (2014). Research related to educational institutions' performance was conducted by Arianti (2014) on the implementation of financial management in private educational institutions. Another study was conducted by Gunanta (2012) using the Balanced Scorecard concept and Firdaus and Prianto (2012) using the Maslahah Scorecard concept. This study's results indicate that, in general, LPI Al Muttaqin has fulfilled asset collection performance based on maqaṣid sharia. This is evidenced by the scores of the six Maṣlahah Performance orientations (MaPs), which are greater than the threshold score for the assessment criteria.
Strategy For Collection and Distribution of Infaq Shodaqoh Zakat Funds At Amil Zakat Institution (LAZ) Sahabat Mustahiq Malang Branch: Strategi Penghimpunan dan Penyaluran Dana Zakat Infaq Shodaqoh Pada Lembaga Amil Zakat (LAZ) Sahabat Mustahiq Cabang Malang Nabilah, Diananda Hanan; Hakim, Rahmad; Hakim, Arif Luqman; Fanani, Ahmad
Perisai : Islamic Banking and Finance Journal Vol. 7 No. 1 (2023): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i1.1612

Abstract

The strategy for collecting and distributing zakat, infaq, and shodaqoh funds is important and implemented properly. Especially in areas such as Malang Raya which has the highest number of muzakki in East Java. The purpose of this study is to conduct an in-depth analysis of the strategy for collecting and distributing zakat, infaq, and shodaqoh funds (ZIS) at the Amil Zakat Institute (LAZ) Sahabat Mustahiq Malang. This research is a qualitative research with a case study approach. Data collection techniques in this study were observation, interviews, and documentation. Data analysis techniques used in this study are data collection, data condensation, data presentation, and drawing conclusions. The results of the study indicate that there are two kinds of strategies in raising funds, namely direct and indirect. Direct is a strategy that is carried out directly between amil zakat institutions and muzakki or donors. Direct activities in the form of direct mail via whatsapp, direct meetings with potential muzakki, zakat outlets and portfolios. The indirect strategy is a strategy that is carried out indirectly between amil zakat institutions and muzakki or donors. Indirect activities are in the form of collaborating with other LAZ institutions, agencies or institutions, activating social media, magazines, websites, digital platforms and through Friends of Inspirational Action (SAINS) volunteers. In the strategy for distributing zakat, infaq, shodaqoh funds at LAZ Sahabat Mustahiq Malang, there is a pattern of distribution of zakat infaq shodaqoh funds, namely traditional consumptive, creative consumptive, traditional productive, creative productive but in the distribution of infaq and shodaqoh zakat funds to 8 asnaf that have been listed in the Qur'an 'an, LAZ Sahabat Mustahiq Malang prioritizes fakir, poor, zakat manager, sabilillah and ibn sabil only.
Analysis Of Sharia Laundry Marketing Strategy In Mamuju District: Analisis Strategi Pemasaran Laundry Syariah Di Kabupaten Mamuju Sibgatullah, Muhammad; Furqan, Furqan; Acha, Hamzar; Kurnia, Kurnia; Febriandika, Nur Rizki
Perisai : Islamic Banking and Finance Journal Vol. 7 No. 1 (2023): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i1.1626

Abstract

Awareness of carrying out religious law is escalating daily among the Indonesian people, most of whom are Muslims. This outlook is not only seen in worship that is directly related to God, but it has penetrated into economic activities. This study aims to ascertain the marketing strategy for Sharia Laundry in Mamuju Regency. This exploration employs a phenomenological qualitative approach with in-depth interviews, documentation and observation techniques, then the data are analysed descriptively. The profound results indicate that Sharia Laundry marketing prioritises the sharia washing system, purity, cleanliness, friendliness, close distance, delivery system, promotions on social media and special promos. The primary difference between this sharia laundry enterprise and other laundry services is that before washing, the garments are rinsed using running water to remove impurities. After that, they are put into the washing machine with a one-machine system for only one customer by distinguishing male and female clothes according to the explanation or desire. The weakness of Sharia Laundry is that launderers and owners dispose of laundry liquid waste in flowing water (ditch) which contains phosphates (toxic substances), thereby polluting surroundings and harming aquatic creatures, and they do not yield more particular discounts for mosque worship equipment as charity.
Quality E-Wallet Transaction Services for Indonesia's Millennial Student Generation: Layanan Transaksi E-Wallet Berkualitas untuk Generasi Pelajar Milenial Indonesia Selsapagita, Indah; Sukardi, Budi
Perisai : Islamic Banking and Finance Journal Vol. 7 No. 1 (2023): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i1.1632

Abstract

The study aims to determine the influence of the quality of e-wallet transaction services simultaneously on the lifestyle of Solo Raya millennial students and determine the most dominant variables affecting the lifestyle of Solo Raya millennial students. A quantitative approach was used in this study. The study population consisted of millennial students in Solo Raya. The research sampling method was purposive and used predetermined criteria. Data collection techniques included documentation, literature review, and questionnaires. Data analysis using multiple regression techniques. The result of the study is that the quality of e-wallet transaction services simultaneously significantly affects the lifestyle of millennial students in Solo Raya. The most dominant variable affecting the lifestyle of the Solo Raya millennial students was reliability.
Flexing as a Marketing Strategy: A Perspective from Islamic Economic Law: Flexing sebagai Strategi Pemasaran: Perspektif Hukum Ekonomi Syariah Sa'diyah, Siti; Rizka, Rizka; Rosyadi, Imron
Perisai : Islamic Banking and Finance Journal Vol. 8 No. 1 (2024): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v8i1.1638

Abstract

This research aims to analyze flexing in marketing from the perspective of Shariah economic law. The phenomenon of flexing, as a common marketing strategy, has recently become prevalent, particularly on social media. However, the current development of flexing presents several issues as it tends to disregard Shariah concepts, thereby potentially harming consumers. This study is a literature review that utilizes primary sources, such as interpretations by Yusuf Qardhawi and economist Reynal Kasali through YouTube channels, as well as secondary sources, including the phenomenon of flexing on social media. The findings of this research indicate that flexing can support marketing activities but tends to have negative impacts on society. Therefore, Islamic business practitioners are advised against employing flexing as a marketing tool, as it violates Shariah principles, such as avoiding defamation, arrogance, ostentation, extravagance, and hypocrisy.
Accountability Analysis With The Application Of Psak 112 In The Financial Statements Of Cash Waqf In Madura: Analisis Akuntabilitas Dengan Penerapan Psak 112 Pada Laporan Keuangan Wakf Tunai Di Madura Wilantini, Cici’; Handayani, Sri; Abidin, Zainal
Perisai : Islamic Banking and Finance Journal Vol. 7 No. 1 (2023): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i1.1641

Abstract

The importance of accountability financial reports is a form of accountability from waqf assets entrusted by the wakif to an institution/agency that became nadzhir. The better the financial reports are made, the more trust will increase from the public and vice versa. PSAK 112 regarding waqf accounting can help nadzhir parties to prepare better financial reports of waqf assets. This research uses a qualitative descriptive type approach. The research locations are LAZISMU Pamekasan and KSPPS Nuri East Java. Sources of data in the form of observations, interviews and documentation. The results of the research are; Accountability from LAZISMU Pamekasan and KSPPS Nuri East Java has worked in accordance with the indicators and forming factors of financial report accountability. The application of PSAK 112 at LAZISMU Pamekasan has a conformity of 35% and the remaining 65% still needs to be improved. Whereas in KSPPS Nuri East Java it has a suitability of 41% and the remaining 59% still needs to be fixed again. This means that the financial statements of cash waqf funds issued by LAZISMU Pamekasan and KSPPS Nuri East Java are still lacking from the financial components commonly made by waqf institutions according to PSAK 112. At LAZISMU Pamekasan and KSPPS Nuri East Java there has been no instruction from the leadership to use PSAK 112 and there is no concrete socialization from the authorities
Quality of Corporate Social Responsibility (CSR) Services at Bank Syariah Indonesia (BSI) in 2021 in the Perspective of Islamic Social Reporting (ISR) Index and Maqashid Syariah Index (MSI): Kualitas Layanan Corporate Social Responsibility (CSR) Pada Bank Syariah Indonesia (BSI) Tahun 2021 Dalam Perspektif Islamic Social Reporting (ISR) Indeks Dan Maqashid Syariah Indeks (MSI) Nanda Pratiwi, Danisa; Setiyowati, Arin; Huda, Fatkur
Perisai : Islamic Banking and Finance Journal Vol. 7 No. 2 (2023): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i2.1643

Abstract

The government issues regulations through Limited Liability Company Law No. 40 of 2007 articles 66 and 74, which states that companies are required to report on the implementation of social and environmental responsibility which is often referred to as Corporate Social Responsibility (CSR). In carrying out its social responsibility, Bank Syariah Indonesia (BSI) must ensure that its operational system meets the benchmarks in CSR. To measure it, it is necessary to have a measuring instrument, namely using the Islamic Social Reporting (ISR) Index and the Maqashid Syariah Index (MSI), to fulfill CSR services to the community. This study aims to analyze the quality of CSR services at BSI 2021 in the ISR Index and MSI Perspective. This research was conducted using a type of library research (Library Research) using a qualitative approach. The validity of the data using source triangulation and data analysis techniques using data reduction. The results of the study show that the quality of CSR services in the 2021 BSI report has carried out CSR in accordance with seven principles including: ethical principles of ethics, principles of caliph protection, principles of honesty and trustworthiness, principles of halalan tayyiban, principles of fairness, principles of authenticity and credibility, and principles of charity. As for the quality of CSR activities specifically based on ISR items on the classification of funding and investment in zakat points, community classification in sadaqah, waqf, qardh hasan points, school scholarships, young generation development, community quality improvement, concern for children, and support social activities. And environmental classification at the point of environmental conservation and empowerment. Meanwhile, the quality of CSR services at BSI is in accordance with the Maqashid Syariah Index and fulfills the principles of individual education, achievement of justice, and public welfare, which are the foundations of this maqashid syariah not implemented by other Islamic banks.
Identification of Problems and Handling of Home Ownership Financing (PPR) Through Murabahah Contracts at Bank Syariah Indonesia (BSI) KCP Rungkut 1 Surabaya: Identifikasi Permasalahan dan Penanganan Pembiayaan Pemilikan Rumah (PPR) Melalui Akad Murabahah Pada Bank Syariah Indonesia (BSI) KCP Rungkut 1 Surabaya Shinta Wulandari, Athiya; Setiyowati, Arin
Perisai : Islamic Banking and Finance Journal Vol. 7 No. 2 (2023): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i2.1644

Abstract

Penelitian ini bertujuan untuk mengetahui identifikasi persoalan dan penanganan Pembiayaan Pemilikan Rumah (PPR) melalui akad murabahah di Bank Syariah Indonesia KCP Surabaya Rungkut 1. Studi ini dirancang menggunakan metode kualitatif dengan pendekatan studi kasus. Teknik pengumpulan data melewati proses wawancara dan dokumentasi. Keabsahan data yang digunakan adalah triangulasi sumber dan ada tiga tahap analisis data yaitu: Reduksi data, Penyajian Data (DisplayData), dan Penarikan Kesimpulan. Hasil penelitian ini menunjukkan bahwa, Implementasi Pembiayaan Pemilikan Rumah (PPR) pada BSI KCP Surabaya Rungkut 1 dalam pembiayaan menggunakan akad murabahah, tetapi juga menggunakan akad wakalah sebagai pelengkap pelaksanaan akad murabahah.Pelaksanaan akad murabahah pada BSI sudah memenuhi fatwa DSN-MUI Nomor 4/DSN-MUI/IV/ 2000, sebagaimana yang telah dilakukan pihak bank yang melakukan akad wakalah terlebih dahulu lalu dilanjutkan pelaksanaan akad murabahah setelah pihak bank melakukan transaksi dengan developer.Beberapa ragam persoalan dalam proses pembiayaan pemilikan rumah (PPR) dan penangan yang dilakukan oleh pihak BSI Surabaya Rungkut 1 sebagai berikut; Jika nasabah telat mengangsur dalam jangka waktu yang lama maka pihak BSI KCP Surabaya Rungkut 1 akan melakukan restrukturisasi atau rekondisi, jika nasabah melakukan take over pembiayaan diperbolehkan asalkan tujuannya untuk pelunasan pembiayaan (selain tujuan itu tidak diperbolehkan), dan jika ada musibah yang mendadak seperti nasabah meninggal dunia atau mengalami kebakaran rumah. Maka pihak Bank akan mengclaim asuransi nasabah ditujukan dalam hal melunasi pembiayaan yang masih tersisa. Adapun penanganan untuk menanggulangi peningkatan NPF, pihak BSI KCP Surabaya Rungkut 1 tentunya akan melakukan upaya-upaya agar dapat meminimalisir risiko tersebut yaitu dengan berpatokan pada 5C sebelum memberikan pembiayaan kepada nasabah. 5C terdiri dari: Character, Capacity, Capital, Collateral, Condisi.
The Effect of Job Satisfaction and Work Discipline on Employee Performance at BPRS Bhakti Sumekar Sumenep: Pengaruh Kepuasan Kerja dan Disiplin Kerja Terhadap Prestasi Kerja Karyawan pada BPRS Bhakti Sumekar Sumenep Putri, Andik Bone; Maftuhah, Rifa'atul; Rafsanjani, Haqiqi
Perisai : Islamic Banking and Finance Journal Vol. 7 No. 2 (2023): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i2.1648

Abstract

The bank itself is a financial institution that plays an important role in the economy of a country. The more developed the banking industry, the better the country's economic growth. Bank as a financial institution whose function is to collect and distribute funds to the public in order to increase equity, economic growth and stability. Thus, banks are able to collect and distribute public funds effectively and efficiently towards improving people's living standards. The main objectives of the researchers are (1) to find out whether there is a significant influence on job satisfaction on employee work, (2) to find out whether there is a significant influence on work discipline on employee work, and (3) to find out whether there is a significant effect simultaneously between the two variables namely job satisfaction and work discipline on the work performance of BPRS Bhakti Sumekar Sumenep employees. This research method was conducted using a quantitative approach. The population in this study were all employees of BPRS Bhakti Sumekar Sumenep, totaling 51 employees. In this study the sample technique used was saturated sampling where all members of the population were selected as samples. Data collection in this study was a questionnaire or questionnaire, then testing in analyzing information through classical assumption tests, multiple linear regression tests, and hypothesis testing using SPSS 26 software. positive and significant to employee performance (Y) tcount of 2.974 > ttable 2.00 with a significant value level of 0.238 less than 0.05. While Work Discipline (X2) by t test has a positive and significant effect on Employee Performance (Y) tcount of 4.156 > ttable 2.00 with a significant value level of 0.000 less than 0.05. Simultaneously, having an Fcount value of 30,731 while Ftable is 2.79. Because Fcount > Ftable (30,731 > 2.79) and a significance of 0.000 <0.05. And the magnitude of the job satisfaction variable (X1) and work discipline variable (X2) can be seen from the assessment of other variables outside the model. This value indicates that variations in employee work variables are influenced by job satisfaction (X1) and work discipline (X2).

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