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Saiful Bakhri
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Tasharruf: Journal of Islamic Economics and Business
Published by Universitas Nahdlatul Ulama Pasuruan
ISSN : 29621836     EISSN : 29628407     DOI : https://doi.org/10.55757/tasharruf
Core Subject : Economy,
Economics, Econometrics & Finance
The Aims of Tasharruf : Journal of Islamic Economics and Business is a peer-reviewed journal that aims to advance islamic economies in emerging markets, namely economies in emerging countries and economies in emerging areas in developed countries. The scope of Tasharruf : Journal of Islamic Economics and Business are but strictly limited to: islamic economics; islamic banking and finance; islamic economic management; islamic economics law; management Zakat, Infaq, Shodaqoh, and Waqf; islamic entrepreneurship and business; islamic economics thought; islamic insurance; islamic accounting.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 5 Documents
 1 
Search results for , issue "Vol. 4 No. 1 (2023): Mei" : 5 Documents clear
Analysis Of The Effect Of Financial Ratios On The Profit Sharing Rate Of Mudharabah Savings In Islamic Commercial Banks In Indonesia For The 2015-2020 Period Imbi Dewandari; Fuad Hasyim; Dian Rachmawati
Tasharruf : Journal of Islamic Economics and Business Vol. 4 No. 1 (2023): Mei
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v4i1.219

Abstract

This study aims to analyze the effect of financial ratios consisting of the Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), BOPO and Financing of Deposit Ratio (FDR) on the profit-sharing rate of mudharabah savings at Islamic Commercial Banks in Indonesia for the 2015-2020 period. The population in this study is all Sharia Commercial Banks registered with the Financial Services Authority (OJK) in 2015-2020. The sample was obtained from 11 Sharia Commercial Banks selected using the purposive sampling technique. This type of research is quantitative, using data analysis methods in the form of linear regression analysis of data. The results of this study show that CAR, BOPO, and FDR have no effect on the profit-sharing rate of mudharabah savings at Sharia Commercial Banks in Indonesia from to 2015-2020 period. Meanwhile, NPF affects the profit-sharing rate of mudharabah savings in Islamic Commercial Banks in Indonesia during the 2015-2020 period.
Pengaruh Kemudahan, Manfaat Dan Pengetahuan Terhadap Minat Penggunaan E-Commerce Pada Generasi Z Mahfiyah Mahfiyah; Muthmainnah Muthmainnah
Tasharruf : Journal of Islamic Economics and Business Vol. 4 No. 1 (2023): Mei
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v4i1.221

Abstract

Abstract This study aims to determine the effect of convenience, benefits and knowledge on the interest in using e-commerce in generation Z. The method in this study uses descriptive quantitative methods. Data was taken by distributing the questionnaire link to Generation Z in Jember Regency as many as 138 people. Data were analyzed using the SPSS 2019 application with multiple linear regression analysis. The results of the analysis show that partially: Ease of Use has a significant positive effect on interest in using e-commerce in Generation Z. Usefulness/Benefits have a significant positive effect on interest in using e-commerce in Generation Z. Knowledge has a significant positive effect on interest in using e-commerce commerce in Generation Z. Simultaneously convenience, benefits and knowledge have a significant effect on the interest in using e-commerce in generation Z.
Penerapan Prudential Banking Sebagai Upaya Meminimalisir Risiko Kredit Bermasalah Pada Bank Wakaf Mikro Di Era Digitalisasi Yusuf; Fathmah Hanum
Tasharruf : Journal of Islamic Economics and Business Vol. 4 No. 1 (2023): Mei
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v4i1.229

Abstract

Digital micro waqf bank financial institutions are expected to implement prudential banking to increase people's income and welfare. This study aims to analyze the management of financing products carried out by Islamic financial institutions by applying prudential banking principles. This descriptive qualitative research was written based on literacy studies. The results of this study are that by implementing prudential banking, digital micro waqf bank financial institutions can increase customer income and welfare
Implementasi Akad Qard sebagai Akad Tabarru’ dalam Perbankan Syariah: Indonesia Nur Azlina; Cholil Nafis
Tasharruf : Journal of Islamic Economics and Business Vol. 4 No. 1 (2023): Mei
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v4i1.246

Abstract

Artikel ini bertujuan untuk mengetahui bagaimana implementasi akad qardh sebagai akad tabarru’ dalam perbankan syariah. Tujuan penelitian ini adalah untuk menganalisis pelaksanaan akad Qard di bank syariah. Metode penelitian yang digunakan dalam penelitian ini adalah metode kualitatif. Metode kualitatif ini muncul karena terjadi perubahan paradigma dalam memandang suatu realitas. Dalam penelitian kualitatif, peneliti menggunakan pendekatan library research yakni penelitian yang obyek kajiannya menggunakan data pustaka berupa buku-buku sebagai sumber datanya, membaca, menelaah, dan menganalisis berbagai literatur yang ada, berupa alquran, hadits, kitab, maupun hasil penelitian. Hasil penelitian menunjukan bahwa akad tabarru’ adalah segala macam perjanjian yang menyangkut non profit transaction (transaksi nirlaba) dan akad qardh merupakan salah satu dari akad tabbaru, dimana karakteristiknya pada akad qardh tersebut adalah mengenai pinjam meminjam yang menitikberatkan pada sikap tolong menolong dan jenis akad qardh dimana ia tidak mencari keuntungan. Dalam praktiknya pada perbankan syariah ada dikenal namanya biaya, jadi tambahan untuk biaya seperti biaya administrasi, biaya materai, ini diperbolehkan.
Productive Waqf Development In Improving Islamic Boarding School Independent Economics Saiful Bakhri; Fuadah Johari; Hainnuraqma Binti Rahim
Tasharruf : Journal of Islamic Economics and Business Vol. 4 No. 1 (2023): Mei
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v4i1.250

Abstract

Penelitian ini bertujuan untuk mendeskripsikan pelaksanaan dan peran wakaf produktif dalam pemberdayaan ekonomi pondok pesantren. Penelitian ini menggunakan metode penelitian kualitatif. Teknik analisis yang digunakan adalah deskriptif dengan metode studi kasus dimana penelitian ini dilakukan dengan melakukan wawancara, dokumentasi dan observasi langsung. Hasil kajian menunjukkan bahwa L-kaf sidogiri sudah memberdayakan wakaf uang sebagai intsrumen untuk pengumpulan dana abadi yang selanjutnya dana tersebut diinvestasikan dalam unit unit bisnis yang ada di sekitar pesantren sidogiri dan unit bisnis lain diluar pesantren serta dininvestasikan dalam kegiatan bisnis real kemudian hasil dari dana abadi itu digunakan dengan porsi 60% untuk kegiatan berbasis pesantren dan 40% untuk kegiatan diluar pesantren

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