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Mohamad Toha
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Jalan Raya Tirtowening Jl. Raya Tirtowening Pacet No.17, Bendorejo, Bendunganjati, Kec. Pacet, Kabupaten Mojokerto, Jawa Timur 61374
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INDONESIA
Majapahit Journal of Islamic Finance dan Management
Published by Universitas KH. Abdul Chalim
ISSN : -     EISSN : 27980170     DOI : https://doi.org/10.31538/mjifm
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Majapahit Journal of Islamic Finance and Management (MJIFM) (E-ISSN 2798-0170) is a journal published by Universitas KH. Abdul Chalim Mojokerto Indonesia four times a year (March, June, September and December). As the name implies, the journal brings two major themes, namely Islamic Finance and Business Management. The journal invites scholars, practitioners, and researchers to submit articles to the management team. Articles submitted will be published after being verified and modified to suit the standard international journals. MJIFM limits only the article publication related to two major themes having been mentioned.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis dan Menejemen Intetrnasional
Articles 298 Documents
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Analysis of Islamic Law on the Efforts of Covering Physical Evidence of Murabahah Financing Transactions Ubaid Aisyul Hana; Muhammad Syarifudin
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 1 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

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Abstract

The research aims to answer the problem of how to cover physical evidence by PT. BPRS Jabal Nur according to Islamic legal analysis. The research data is collected through interviews and the documentation is then analyzed using descriptive analysis techniques, namely the most basic analysis to describe the data in general. The results of the study concluded that the policies agreed upon by the BPRS Jabal Nur Surabaya were expressly prohibited by Islamic law, because they did not comply with the regulations made by the government. As explained in the Koran Surat al-Nisa’ verse 59. The policy is the covering (manipulation) of physical evidence in the form of notes for customers who do not deposit notes for certain reasons. It was done by the bank due to a lack of staff in handling the above problems and a lack of customer knowledge about the importance of these notes for the bank in their annual reports. In line with these conclusions, BPRS Jabal Nur must be firm with customers to submit physical evidence in the form of notes and tighten the recruitment process for the company so that it is better than what is expected by BPRS Jabal Nur Surabaya.
Analysis of Gempol Muslim Society’s Interest on The Use of E-Toll Card Zumrotul Azizah; Demila
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 1 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

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Abstract

This research is motivated by problems often occuring on toll roads, especially during transactions at the gate. Transactions that occur between officers and drivers take a long time because toll officials have to check the origin of the vehicle to determine the rate, then calculate the change. To anticipate congestion on toll roads, especially during peak days and hours because the queues at the toll booths are too long, a higher speed is required in making toll payments using the electronic toll service (e-Toll) at the Automatic Toll Gate (GTO). This research is a qualitative research, the data is obtained by natural setting. Data collection techniques were carried out by observation, interviews and documentation. The outline in collecting the data is that the author will find out about whether the Muslim community of Gempol knows about the e-Toll card, the community uses e-Toll for what reasons, then the researcher will find out the extent of interest in using e-Toll cards in the region of Gempol. The results showed that; first, the interest of the Gempol Muslim community in using e-Toll cards is still low because it is far from the target number. According to predictions of Jasa Marga employees, it still reached 17 percent as of January 2018, while the target figure is 100 percent. In addition, there are also many pros and cons of the bank's new product in the form of e-Toll. E-Toll card has no significant relationship with reducing congestion, although as of October almost 100% of toll gates in Indonesia use GTO, but for congestion it could be due to vehicle volume, road engineering, accidents, narrowing of lanes, reduction of lanes, number of gates tolls, and the number of toll gates opened. Second, the factors influencing the Muslim community of Gempol on the use of e-Toll cards are government regulations, the influence of advertisements and the public feel the benefits obtained from e-Toll.
Analysis of The Implementation of Sharia Strategy Management at BMT Maslahah Mohamad Toha; Elly Ulfa; Novi Yanti Sandra Dewi
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 1 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

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Abstract

Strategic management is a determinant of employee performance in the long term with the level of managerial decisions and actions. It includes environmental observation, strategy formulation, strategy implementation, evaluation and control. The research was conducted to analyze Sharia Strategic Management (MSS) at BMT Maslahah. It uses qualitative research methods, while data collection through interview techniques and documentation techniques. After the research was conducted, it was found that the strategic management process used by BMT Maslahah would be updated according to the needs and long-term development of the company. As for the strategy formulation, it is done by gathering all the members who will later be adjusted to the suggestions and the results of the joint discussion. The implementation of the strategy is adjusted to the existing mission at BMT Maslahah, such as managing cooperatives according to the identity of the students and also implementing the sharia system using the salaf book standards as well as in accordance with the fatwas of the National Sharia Council (DSN). It is stated that the BMT Maslahah in its implementation has implemented sharia principles which are marked by the implementation of four aspects differentiating it from conventional strategic management, including aspects of tawhid, orientation, motivation and sharia strategy.
Analysis of Soundness Level in the CAMELS Ratio Perspective Muh. Syaukin Muttaqin; Sindy Marchelia Putri; Siti Rumilah
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 1 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

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Abstract

Banks in a country have an important role. One of its functions is as a financial intermediary whose operations are for the community. The soundness of banks and their stability are very important because they affect the ups and downs of an economy. It can foster public trust because people are increasingly selective in choosing financial institutions. Bank Syariah Mandiri is the bank with the highest total assets compared to other Islamic banks. The purpose of the study was to determine the level of soundness at Bank Syariah Mandiri during the 2017-2019 period using the CAMELS ratio. The results show that the soundness of Bank Syariah Mandiri Syariah, even though it has a greater total assets than other Islamic banks, is still not in the very healthy category because from the research results, Bank Mandiri Syariah is currently in the healthy category. However, on the sensitivity risk assessment, Bank Syariah Mandiri is in the very healthy category.
The Effect of Financial Performance on ROA Projected as Profitability Fusthathul Nur Sasongko; Elvira Rachma
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 1 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

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Abstract

The study aims to determine the effect of financial performance on ROA, in which financial performance is indicated by the variables ROE (X1), NPF Gross (X2), BOPO (X3), and FDR (X4) in BRI Syariah (BRIS) Quarterly 2012-2019. The research data used secondary data and tested by regression test and then tested the classical assumptions consisting of normality test, heteroscedasticity test, multicolinearity test, and autocorrelation test. While the data analysis used multiple linear regression analysis. The results of the study indicate that of the four independent variables, only Gross NPF is not significant with a regression test value on ROA of 0.0929, which means that Gross NPF does not pass the test because the probability value is > 0.05.
The Effect of Growth Level, Asset Structure, Liquidity and Profitability on Capital Structure Wanitasari; Lutvi Alamsyah; Akhmad Mukhlisuddin
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 1 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

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Abstract

Competition in the business world encourages financial managers to take decisions carefully, one of which decisions related to capital structure. The purpose of the study is to find out and analyze the effect of growth rates, asset structure, liquidity, and profitability on capital structure in the three banking sector companies incorporated in the Sharia Stock Index Indonesia (ISSI) for the period of 2015 to 2018. The research uses quantitative methods with secondary data obtained from the official bank's website. It uses purposive sampling technique by certain criteria namely BRI Syariah (BRIS), Bank Tabungan Pensiunan Nasional Syariah (BTPS), and Bank Panin Dubai Syariah (BPNS) for the 2015-2018 period. Analysis of the data used in this research is using multiple linear regression analysis with the help of data processing tools IBM SPSS version 20 through the classic assumption test that is normalization test, multicollinearity test, autocorrelation test, and heteroscedasticity test, with hypothesis testing T test, F test and Adjusted R2. It shows that partially the growth rate has no significant effect on capital structure, asset structure has a significant effect on capital structure, liquidity has no significant effect on capital structure, and profitability has a significant negative effect on capital structure. The results of the F test indicate that the growth rate, asset structure, liquidity and profitability have an effect on the capital structure. The amount of Adjusted R2 is 0.857. In the sense that 85.7 percent of the independent variables, while the remaining 14.3 percent of the variables are explained outside the research model.
The Influence of Quality of Services and Infrastructures on Inpatient Satisfaction Nunti Sibuea; Bobby Indra Prayoga; Ari Kartiko; Arsyawina
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 2 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

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Abstract

This research was conducted at the Mother and Child Hospital “Fatimah” Lamongan with a scope of marketing which consists of service quality variables (X1), Infrastructure (X2) and patient satisfaction (Y). The study uses quantitative method. The population is the inpatients of the Mother and Child Hospital “Fatimah” Lamongan which will then be selected as the research sample. The data collection technique used a questionnaire and the sampling technique used probability sampling, with a random sampling technique and 98 patients were selected as samples. It uses primary data obtained directly from the respondents. The data obtained have tested the validity and reliability using SPSS software. The analysis of hypothesis testing used multiple linear regression analysis techniques and the results obtained that the quality of services and infrastructure have a significant effect on patient satisfaction inpatient care at the “Fatimah” Lamongan Mother and Child Hospital, while the variable infrastructure has a dominant influence on inpatient satisfaction.
Principles of Performance and Financial Management between Islamic Banks and Conventional Banks Choirul Fathoni; Jairin
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 2 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

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Abstract

The name of someone, something, and institution had a certain meaning. A meaning depends so much on someone’s perception to an object. Perception of society to Sharia Bank had an impact to society behavior toward Sharia Bank. There was a gap here between bank and society which had to be acted as a bridge through policy and socialization program. Socialization policy which was planned, adaptive, and interesting could minimize the misperception risk. Socially, the socialization program was the enculturization of sharia bank values ​​process, and it was understood as the form of civil education.
Analysis of Financial Ratios on The Performance of Muamalat Indonesia Bank Wita Sri Nurlatipah; Fadali Rahman; Mohamad Toha
Majapahit Journal of Islamic Finance and Management Vol. 2 No. 1 (2022): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

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Abstract

This study aims to determine the effect of financial ratios (NPL, CAR, LDR, BOPO) simultaneously on the performance of Muamalat Indonesia Bank from 2008-2018. In this study, the researchers used a type of quantitative research with a descriptive and verification research approach because of the variables to be examined for their relationship and the purpose of presenting a structured picture. This research is a quantitative study with time series data. The type of data used in this study is secondary data in the form of data for all variables, namely Return on Assets (ROA), Non-Performing Loans (NPL), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Operating Cost Income Operational (BOPO). This secondary data was obtained by the method of observing financial ratios registered during the observation from 2008 to 2018. Corporate financial data for that period is available at www.idx.co.id. Data collection techniques used are observation and recording and linear regression models are used to determine whether there is a significant influence of one variable with another variable. For testing the hypothesis, it used the t-test and F-test.
The Effect of Economic Literature and Informal Economic Education on The Consumption Behavior Sundari; Muawanah; Fendik Asmoro
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 2 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

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Abstract

The study aims to determine the effect of economic literacy, informal economy education on the consumption behavior of Institut Pesantren KH.Abdul Chalim Students Regular Program 2015-2018. The population in this study were all regular students of Institut Pesantren KH.Abdul Chalim Regular Program 2015-2018. The sample was 25% of the total population, namely 85 respondents. Data collection techniques were in the form of tests, questionnaires and documentation. The research was a quantitative study with the data analysis technique used was multiple regression analysis. The results of the study show that there is an influence between the variables of economic literacy on consumption behavior, between the variables of informal economy education on consumption behavior, and between the variables of economic literacy and informal economy education on consumption behavior. The coefficient of determination (R2) of economic literacy, informal economic education on consumption behavior is 0.114 or 11.4%.

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