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<![CDATA[Operational Risk Control Strategy in Sharia Cooperatives ]]>
<![CDATA[Nur Kholis]]>;
<![CDATA[Vivin Maharani Ekowati]]>
<![CDATA[ MALIA: Jurnal Ekonomi Islam Vol 15 No 1 (2023) ]]>
Publisher : <![CDATA[Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia. ]]>
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DOI: 10.35891/ml.v15i1.3942
<![CDATA[This research aims to identify risk management strategies in the LKS Al Yasini sharia cooperative. LKS Al Yasini is a sharia-based financial institution located in Pasuruan, East Java. This study is important to carry out because operational risks still occur frequently and will always occur, although in different and new forms. Therefore, sharia cooperatives need to improve their operational risk management to maintain their existence and increase member trust. The research method used in this research is descriptive with a field research approach. The results of this research indicate that implementing security system improvements and enhancements is very important for sharia cooperatives to control potential risks that may arise. The implications of this research provide an important contribution in increasing understanding of operational risk management in the context of Islamic financial institutions and can serve as a guide for improvements and enhancements in the future.]]>
<![CDATA[Bibliometric Analysis of 20-Year Development of Waqf Research in Indonesia Using VosViewer ]]>
<![CDATA[Wiranda Wulandari]]>;
<![CDATA[Nil Firdaus]]>
<![CDATA[ MALIA: Jurnal Ekonomi Islam Vol 15 No 1 (2023) ]]>
Publisher : <![CDATA[Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia. ]]>
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DOI: 10.35891/ml.v15i1.4006
<![CDATA[This study aims to describe the 20 years of development of scientific publications in the field of waqf from 20004 to 2023, so that in the future it will provide the results of this research that have an impact on the search for the latest research topics. Therefore there are two identified topics that will be discussed in this study, the first is to find out the development of waqf publications in Indonesia in 2004-2023. secondly to find out the existence of scientific publications about waqf in Indonesia based on keywords and authors. From the results of the research, the first shows that there are 970 Google Scholar indexed articles using the Publish or Perish application. Writings published on Google Schooler were abundant in 2016-2017. There are 10 prolific authors during the 20 years of the development of scientific publications about waqf and have the most citations with a total of 253. Second, the existence of scientific publications about waqf in Indonesia is based on keywords, namely the keywords of waqf objects that have been published the most in 20 years. For this reason, through this research we can also find out the topic of waqf, this can make it easier for future writers to determine the theme according to the current novelty about waqf, starting from the potential and opportunities of waqf in the modern era, management of cash waqf, distribution of waqf and so.]]>
<![CDATA[Analysis of the Implementation of Subsidized Homeownership credit Financing Based on the Concept of Maslahah ]]>
<![CDATA[Sopingi, Imam]]>;
<![CDATA[Ririn Tri Ratnasari]]>;
<![CDATA[Imron Mawardi]]>
<![CDATA[ MALIA: Jurnal Ekonomi Islam Vol 15 No 1 (2023) ]]>
Publisher : <![CDATA[Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia. ]]>
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DOI: 10.35891/ml.v15i1.4173
<![CDATA[This research aims to analyze the implementation of subsidized home ownership credit financing based on the concept of Maslahah at Bank Tabungan Negara, branch office in Jombang. The research method employed is a qualitative case study with six techniques for data collection, including the researcher's direct participation with the research subject and conducting direct interviews with key informants from the financing service department. The research findings reveal that subsidized home ownership credit is one form of financing provided to the community to purchase homes, with the support of the government through collaboration with Bank Tabungan Negara, branch office in Jombang. Bank Tabungan Negara, branch office in Jombang, also offers various flexible repayment schemes to its customers. However, this research has limitations, such as its focus on a single location and an inability to describe variations in implementation at other locations. Furthermore, the research findings can have positive implications, particularly in the development of more effective policies and programs that align with the community's needs, by offering repayment options that suit customers' financial conditions.]]>
<![CDATA[Motivates that Influence Sharia Accounting Students to Become Auditors ]]>
<![CDATA[Rahmasari, Yusnia]]>;
<![CDATA[Dyah Pravitasari]]>
<![CDATA[ MALIA: Jurnal Ekonomi Islam Vol 15 No 1 (2023) ]]>
Publisher : <![CDATA[Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia. ]]>
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DOI: 10.35891/ml.v15i1.4257
<![CDATA[The purpose of this research is to gather data on factors such as accounting knowledge, professional training, market considerations, and ethical scandals related to the interest of Sharia accounting students in pursuing a career as auditors. This research employs a quantitative approach with purposive sampling as the method of data collection, primarily through surveys. The data is analyzed using descriptive statistics, data testing, classical assumptions, and hypothesis testing techniques. The findings of the research indicate that factors such as accounting knowledge, professional training, and ethical scandals have an impact on the desire of Sharia accounting students to become auditors. However, the variable of market considerations does not influence the willingness of Sharia accounting students to pursue a career as auditors. This research contributes to the field by shedding light on the motivations and influences that drive Sharia accounting students to choose a career as auditors. It adds valuable insights into the factors that impact their career choices within the context of ethical considerations and professional development.]]>
<![CDATA[Optimization of the Management of Zakat, Infaq, and Shadaqah Funds at the BAZNAS Kabupaten Bojonegoro ]]>
<![CDATA[Adinda Pramesti Indah Cahyani]]>;
<![CDATA[Taufiqur Rahman]]>
<![CDATA[ MALIA: Jurnal Ekonomi Islam Vol 15 No 1 (2023) ]]>
Publisher : <![CDATA[Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia. ]]>
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DOI: 10.35891/ml.v15i1.4324
<![CDATA[This research aims to find out how optimal and what the zakat management strategy has been carried out by BAZNAS Kabupaten Bojonegoro. This research uses a qualitative research method with a field study approach, with the primary data from BAZNAS Kabupaten Bojonegoro and secondary data comes from other literature. The results of this research are that BAZNAS Kabupaten Bojonegoro, in optimizing zakat, infaq, and shadaqah funds, has 5 reception services and 5 distribution programs. The collection strategy is traditional and modern methods, then the distribution strategy places more emphasis on 5 distribution programs. So it can be said that the management of zakat, infaq, and shadaqah funds that has been carried out is almost optimal, marked by the achievement of the management targets that have been set. In this research, what differentiates it from other research is that it lies in the research object and also the research topic studied.]]>
<![CDATA[The Sharia Compliance Analysis of the Mudharabah Contract at PT Permodalan Nasional Madani Mekaar Syariah ]]>
<![CDATA[Wulandari, Putri]]>;
<![CDATA[Nasik, Khoirun]]>
<![CDATA[ MALIA: Jurnal Ekonomi Islam Vol 15 No 1 (2023) ]]>
Publisher : <![CDATA[Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia. ]]>
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DOI: 10.35891/ml.v15i1.4370
<![CDATA[Financial institutions in Islam are governed by rules of halal (permissible) and haram (forbidden). One example of an Islamic financial institution is PNM Mekaar Syariah, which operates under various Sharia contracts. To ensure its Sharia compliance, it is necessary to analyze its pillars, conditions, and mechanisms. The objective of this research is to examine the Sharia compliance of the Mudharabah contract used in capital financing at PNM Mekaar Syariah, focusing on the branch in Prambon. This study adopts a qualitative descriptive approach. The findings reveal that PT PNM Mekaar offers Sharia-compliant capital financing products, as demonstrated by the research findings on the practice of capital provision by PNM Mekaar Syariah to its customers. However, there are some pillars and conditions that do not align with Sharia principles, leading to the deterioration of the Mudharabah contract's validity.]]>
<![CDATA[Pentahelix Synergy in Halal Certification of Micro and Small Business Products at the Purwosari MSME Center ]]>
<![CDATA[Aslikhah]]>
<![CDATA[ MALIA: Jurnal Ekonomi Islam Vol 15 No 1 (2023) ]]>
Publisher : <![CDATA[Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia. ]]>
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DOI: 10.35891/ml.v15i1.4727
<![CDATA[This research aims to determine and analyze Pentahelix's synergy in implementing halal product certification for Micro, Small Enterprises (UMK) at the Purwosari UMKM Center (SEKAR). The increasingly urgent need for halal products in the global market makes halal certification an important aspect for the competitiveness of MSEs. Through a qualitative approach with in-depth interviews, participant observation, and document analysis, this research will investigate the interactions and roles of each Pentahelix pillar—government, micro and small industry players, academics, the SME community, and mass media—in supporting the implementation of halal certification for MSE products in the SEKAR community. The results of this research can provide in-depth insight into the contribution of each pillar and develop policy recommendations to strengthen the halal certification ecosystem for MSE products in the Purwosari MSME center. This research contributes to the literature on Pentahelix synergy and the implementation of halal certification at the Micro and Small Business level in Indonesia.]]>
<![CDATA[The Influence of Third-Party Funds and Financing on the Operational Profit of Bank Bukopin Sharia for the Period 2014-2022 ]]>
<![CDATA[Aprilia, Yohana]]>;
<![CDATA[Maika, Ruslianor]]>
<![CDATA[ MALIA: Jurnal Ekonomi Islam Vol 15 No 1 (2023) ]]>
Publisher : <![CDATA[Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia. ]]>
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DOI: 10.35891/ml.v15i1.4826
<![CDATA[Third Party Funds and Financing are important indicators for Bank Bukopin Syariah, both indicators indicate sustainable activity. Because of this, it is considered a source of income for Bank Bukopin Syariah. This study aims to analyze the impact of external funding and financing on Bank Syariah Bukopin's operational profit from 2014 to 2022. Monthly financial statements are analyzed using quantitative descriptive approaches. In this study, we utilize linear regression to examine standard assumptions about operating profit (Y), financing (X2), and third-party funding (X1). The study found that Third Party Funds on Operating Profit had a significance value of 0.019 (<0.05), whereas Financing on Operating Profit had a significance value of 0.003 (<0.05). Financial backing from outside sources has a substantial impact on operational profit at Bank Bukopin Syariah.]]>
<![CDATA[The Financing Strategy of BMT An’fa NU as Supporting Member’s Business in Pucang Village ]]>
<![CDATA[Fitriani, Wulan]]>;
<![CDATA[Fitriyani, Yeny]]>;
<![CDATA[Pudail, Muhammad]]>
<![CDATA[ MALIA: Jurnal Ekonomi Islam Vol 15 No 1 (2023) ]]>
Publisher : <![CDATA[Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia. ]]>
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DOI: 10.35891/ml.v15i1.4855
<![CDATA[This study explores the role of Sharia Financing in BMT Anfa' NU Pucang, emphasizing its alignment with Islamic principles. It focuses on financing product types, operational methods, and strategies employed by BMT, specifically utilizing mudharabah and murabahah contracts. Interview results with BMT management underscore the organization's foundation, legal structure, and financial strategies. The research methodology employs a qualitative approach, literature review, and interviews, with data analysis utilizing thematic coding. BMT Anfa' NU provides inclusive financial access, supports micro-economic sustainability, and facilitates community empowerment. Innovations such as transparent profit-sharing offerings, no administration fees, and zakat tax deductions demonstrate BMT Anfa' NU's commitment to creating fair and sustainable financial solutions. The result is expected to bring more knowledge and another perspective on the financing strategy that can be applicable or can be developed in the next research. The limitation of this research is that it just takes one BMT for the subject of research.]]>
<![CDATA[Effective Strategy to Reduce Import Level of Fashion Products by Coaching Millennial Students Independently Creative Islamic Boarding School in Indonesia ]]>
<![CDATA[Muhammad Fahmul Iltiham]]>;
<![CDATA[Wiwin Ainis Rohtih]]>
<![CDATA[ MALIA: Jurnal Ekonomi Islam Vol 15 No 1 (2023) ]]>
Publisher : <![CDATA[Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia. ]]>
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DOI: 10.35891/ml.v15i1.4915
<![CDATA[This research aims to recognize the role of Islamic boarding schools (pesantren) in nurturing entrepreneurship as an effort to overcome competition from foreign products. Islamic boarding schools have the potential as educational institutions that shape individuals who are religious and independent, aligning with the goals of the entrepreneurship program. Enhancing entrepreneurship in Islamic boarding schools is a necessity to ensure that students (santri) are not only competent in religious aspects but also possess economic self-reliance. This is expected to have a significant impact on the economy, especially in creating entrepreneurs from among the students. With a large number of Islamic boarding schools and students, these institutions have a strategic potential to support national economic development. Many Islamic boarding schools have established cooperatives, developed small and medium-sized business units or industries, and have business incubators. The research method used is qualitative, employing data collection techniques through observation, interviews, and documentation. The study was conducted at an Islamic boarding school in Pasuruan Regency. The results indicate that Islamic boarding schools in Pasuruan Regency play a crucial role in training modern industrial entrepreneurs by establishing various business units such as food, clothing manufacturing, and accessories. Entrepreneurship programs empower students and the community, improve their well-being, and create job opportunities. The involvement of students in entrepreneurship at the Islamic boarding school has resulted in alumni establishing similar businesses that serve the broader Pasuruan Regency area.]]>
