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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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INOVASI MODEL BISNIS BANK MUAMALAT INDONESIA M. Ruslianor Maika
Perisai : Islamic Banking and Finance Journal Vol 1 No 1 (2016): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v1i1.236

Abstract

Business model innovators (BMI) earned an average premium that was more than four times greater than that enjoyed by product or process innovators. Furthermore, BMI delivered returns that were more sustainable; even after ten years, business model innovators continued to outperform competitors and product and process innovators (BCG, 2009). Innovation is done using a device management such as: Business Model Canvas (BMC) and the design thinking approach (DTA). BMC used to mapping the Bank Muamalat through the 9 building blocks for later in-design a new business model to conduct the interview process to collect ideas and find an innovative solution.
PENGARUH KUALITAS PELAYANAN(SERVICE QUALITY) TERHADAP KEPUASAN NASABAH (CUSTOMER SATISFACTION) DI PT. BPRS MITRA MANDIRI SUKSES DI GRESIK Rokhmat Subagiyo
Perisai : Islamic Banking and Finance Journal Vol 1 No 1 (2016): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v1i1.231

Abstract

Objectives of this research are: (1) to determine the variables of service quality (tangible, reliability, responsibility, assurance, and empathy) significantly simultaneously (together) on customer satisfaction at PT. BPRS Mitra Mandiri Success in Gresik; (2) determine the variables of service quality (tangible, reliability, responsibility, assurance, and empathy) significantly partially (in part) on customer satisfaction at PT. BPRS Mitra Mandiri Success in Gresik and (3) determine the variables of service quality (tangible, reliability, responsibility, assurance, and empathy) are the dominant influence on customer satisfaction at PT. BPRS Mitra Mandiri Success in Gresik.
ANALISIS POLA PEMBERDAYAAN PETERNAK MISKIN DI KAMPOENG TERNAK NUSANTARA DOMPET DHUAFA Efri Syamsul Bahri; Sholihat Sholihat
Perisai : Islamic Banking and Finance Journal Vol 1 No 1 (2016): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v1i1.229

Abstract

The activity of livestock village Nusantara “Kampung Ternak Nusantara” is focused on the empowerment to the poor cattleman by utilizing zakat funds. This research is aimed to determine the empowerment pattern of the poor cattlemanas well as the supporting and obstacle factors. It is a descriptive qualitative research. The data are collected by doing interviews, observations and documentations. The results show that the pattern empowerment to the poor cattleman, are dividedinto 3 stages. They are 1) the empoweringgoal setting,2) the process implementation of the empowerment 3) the resultsimplementation of empowerment. The empowerment supporting factors include; society environment, hard work and the cattleman effort. While, the obstacle factors include: the difficultyfeedingto the livestock whenthe dry season, knowledge and the skill of the cattleman who have not been optimized yet
Empowerment Model of Migrant Workers Tika Widiastuti; Muhammad Nafik Hadi Ryandono; Imron Mawardi
Perisai : Islamic Banking and Finance Journal Vol 1 No 2 (2017): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v1i2.877

Abstract

The profession of migrant workers in some cases bring the person concerned to get the treasures expected success, but not rarely contain a number of risks that need to get the attention of government authorities. A number of problems that might be experienced when Indonesian Labor not available works. Therefore it takes a model economic empowerment for the labor of Indonesia, when he returned to his country was able to survive and improve the well-being of himself and of his family. This research aims to know the role of zakah's institution towards the empowerment of Indonesia's labor and to devise appropriate empowerment model for Indonesian Workforce by Institution of Zakah. Data analysis was done with a qualitative approach. Analytical techniques in the study will be conducted with qualitative analysis approach, a case study of eksplanation to explain how the empowerment model right for Indonesia in Labor Studies. Based on the data and the results of the analysis that has been done can be known that Dompet Dhuafa has role in Indonesia Workforce empowerment. The empowerment Model implemented by Dompet Dhuafa form the Groove program that may help the former workforce of Indonesia after plunging back to life in his native region. Former Indonesian workforce empowerment meant to monitor and nurture the entrepreneurial activities are continuously carried out by former Indonesian labor so that it can be a permanent effort.
Analisis Kinerja Keuangan Lembaga Zakat (Studi Kasus : Badan Amil Zakat Nasional) Efri Syamsul Bahri; Maya Romantin; Ahmad Tirmidzi Lubis
Perisai : Islamic Banking and Finance Journal Vol 1 No 2 (2017): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v1i2.882

Abstract

National Amil Zakah Board has a big responsibility to hold the trust of government and society to zakah management in Indonesia. The problem is how the financial performance of National Amil Zakah Agency? This study aims to assess the financial performance of zakah institutions by using financial performance measurement ratio model from Ritchie & Kolodinsky (2003) research for non-profit organizations. The object used in this research is the financial report of Badan Amil Zakat Nasional (BAZNAS) during the period 2004 to 2013. The components of the ratio used are five ratio of Ritchie & Kolodinsky model. Based on Ritchie & Kolodinsky ratios, these five ratios show BAZNAS's financial performance over the last decade well expressed.
Pembukuan dalam Perspektif Islam Studi Kasus Pembukuan Bagi Wirausaha Pemula Ibu Rumah Tangga Desa Kenongo Masruchin Masruchin; Fitri Nur Latifah; M Ruslianoor Maika
Perisai : Islamic Banking and Finance Journal Vol 1 No 2 (2017): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v1i2.878

Abstract

In accordance with the purpose of Sidoarjo District as the city of Indonesian SMEs, the government of Sidoarjo regency fierce empower SMEs and also creating new entrepreneurs in Sidoarjo. We assess with jealous people creating new businesses to supplement the family income, especially housewives should be appreciated properly. Obstacles often faced by new entrepreneurs are not have a good knowledge of the methods of recording finance both the cost of raw materials, operating costs, gain and losses. Not infrequently, the money that had been due to run out mixed business purposes or used for the needs of the family shopping. For that we want to provide training and mentoring for the housewife as new entrepreneurs especially in rural Kenongo to be able to make a simple bookkeeping for his business transactions. In the end, we hope that the additional knowledge of recording financial transactions, the housewife are able to get increased revenues and able to raise their business.
Pengaruh Faktor Ekonomi dan Moneter terhadap Bank Konvensional dan Syariah Tahun 2002-2016 Nurul Huda; Hulmansyah Hulmansyah; Zulihar Zulihar
Perisai : Islamic Banking and Finance Journal Vol 1 No 2 (2017): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v1i2.876

Abstract

This study aimed to examine the effect of national income (real GDP), inflation rate and money supply previous year (M) t-1 to the amount of money circulating in the current year (M) t and the amount of credit / financing in the current year (Cr ) t both from the activities of Syariah banking and conventional banking. The data was used by publication of Bank Indonesia, the Financial Services Authority and the Central Bureau of Statistics. The analysis data was used multiple linear regression with logarithm approach. Research Result find for conventional bank only variable inflation significantly affect in the money supply (M1), while for Syariah bank in GDP and inflation as well as M1 (ISL) / P) t-1. As for conventional M2 for inflation and GDP was significant. For Syariah banking only GDP was not significant. The Factors were affecting credit conventional bank only inflation only. While Syariah bank all variables were significant.
Pengaruh Capital Adequacy Ratio (CAR), Return On Assets (ROA) dan Non Performing Financing (NPF) Terhadap Pembiayaan Murabahah BNI Syariah Amirah Ahmad Nahrawi
Perisai : Islamic Banking and Finance Journal Vol 1 No 2 (2017): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v1i2.881

Abstract

There are hundreds of Islamic banks registered in Indonesia, which means Islamic banks have a huge contribution in the economic performance of the country. According to Islamic bank statistic's data, the most prefered transaction is murabahah financing, which reached 57,76 %. To understand this trend, one should first relate to the affecting factors, such as Capital Adequacy Ratio (CAR), Return on Asset (ROA) and Non Performing Financing (NPF). Therefore this research aims to find out the influence (Partial & simultant) of the factors mentioned above on the Murabahah financing in BNI Syariah for the period of 2011 - 2015.Using quantitative and descriptive approach, this research present and analyise published data obtained from BNI's financial report 2011 to 2015 as sample, and other references as based theory. All data analysed using Statistical Program for Social Science (SPSS). While for assuring data accuracy, normality test, autocorelation and heterostatistics tests have been made. The relation and the influence between dependent and independent variables, figured by double regression analysis. Based on the partial analysis each variables showed have positive and significant effect on murabahah financing. Through the Double Reggression conducted, it found that the variables CAR, ROA and NPF together have positive and significant effect on murabahah financing.In conclusion, to maintain the murabahah financing level, the bank should maintain and improve CAR, ROA, and NPF.
Retracted : Pemasaran Syariah di Lembaga Keuangan Mikro Islam: Konsep Dan Implementasi Di Puskopsyah DIY Hendri Hermawan Adinugraha
Perisai : Islamic Banking and Finance Journal Vol 1 No 3 (2017): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v1i3.969

Abstract

Following a rigorous, carrefully concered review of the article published in Perisai Islamic Banking and Finance Journal to article entitled “Pemasaran Syariah di Lembaga Keuangan Mikro Islam: Konsep dan Implementasi di Puskopsyah D.I. Yogyakarta” Vol.1, No.3, pp. 180-199, October 2017, DOI Link: http://doi.org/10.21070/perisai.v1i3.969 This paper has been found to be in violation of the Perisai Islamic Banking and Finance Journal and has been retracted. The article contained redudant material, the editor investigated and found that the paper published in An-Nisbah Jurnal Ekonomi Syariah, Vol.4 No.1, DOI Link:1http://dx.doi.org/0.21274/an.2017.4.1.25-50. The document and its content has been removed from Perisai Islamic Banking and Finance Journal, and reasonable effort should be made to remove all references to the article.
Analisa Potensi Zakat UMKM Mebel Melalui BAZNAS untuk Peningkatan Kesejahteraan Masyarakat Jepara Fatchur Rohman; Aan Zainul Anwar; Subadriyah Subadriyah
Perisai : Islamic Banking and Finance Journal Vol 1 No 3 (2017): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v1i3.1068

Abstract

This study aims to determine the potential of zakah and issued UMKMcarving furniture and its effect on the welfare of the surrounding community through BAZNAS Jepara district, as well as deepen the knowledge and results of poverty modeling in Jepara district. Methods This research is a qualitative study of triangulation and method.. The result of this research is zakat potential in Jepara very big, especially from carving furniture sector where 91,27% carving furniture entrepreneur know and have understanding about zakahand counting zakah. The distribution of zakah UMKM carving furniture by 19.78% is channeled through Baznas Jepara this is because of the low role of UPZ at sub-district and village level. minimum potential of zakat top of UMKM furniture ukiritung Rp. 1.644.500.000, - and distributed to productive zakat with nominal Rp 25 Million/ recipient of working capital will be received as many as 65 recipients of zakah every year but this potential is not yet programmed by BAZNAS Jepara. In this researchthe awareness and knowledge of the society about zakah is very high, it needs to be socialized about zakah on the company, the preparation of existing financial instruments of zakah, and zakah can be as tax deductions.

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