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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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The Technology Strategy in Website Communication Media in Improving Business Activities Muhammad Baiqun Isbahi; Muhammad Mujtaba Mitra Zuana; Elvira Rachma Mariana
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 competition faced by the company is an obstacle to achieving business goals in order to maintain the growth and survival of the company. System Strategic planning of information systems and information technology which refers to business strategy must be adapted to the company's business processes. The process of finding the future application portfolio is preceded by the discovery of business strategy, IS/IT management strategy and Website strategy. This will lead to the acquisition of fast, accurate and up-to-date information that is needed for decision making. The basic capital in the realm of computerized information systems is an innovation better known as electronic computers and the internet. This study tries to dissect the strategy of systems and technology on website communication media in increasing business activities. The use of the literature study method brings together several important studies from the perspective of the world of communication and economics, and will be linked in a more comprehensive manner. The results of the literature study illustrate that the increase in business communication supported by the website cannot be separated from the concept of information quality. A more visible result is a new concept of design management that emphasizes technical to socio-cultural considerations.
The Effect of Mudharabah, Musyarakah, Murabahah Finance on Return on Asset (ROA) Diah Syifaul A'yuni; Nur Dinah Fauziah; Purwanto Purwanto
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

Bank is a financial institution whose main activity is to collect funds from the public and then distribute these funds back to the community. The purpose of this study was to determine the effect of Mudharabah, Musyarakah, Murabahah financing on Return on Assets (ROA) at Bank Syariah Mandiri for the 2009-2018 period. The dependent variable of this research is Return on Assets. The independent variables include: financing, Mudharabah, Musyarakah and Murabahah. The research method used is a quantitative research method. The data analysis method used multiple linear regression. The results of the study indicate that Mudharabah financing has an effect on Return on Assets (ROA) with a significant level of 0.000 <0.05. Musyarakah financing has an effect on Return on Assets (ROA) with a significant level of 0.010 <0.05. Murabahah financing has no effect on Return on Assets (ROA) with a significant level of 0.210> 0.05. Mudharabah, Musyarakah, Murabahah financing together can influence the dependent variable with a significant value of 0.000> 0.05.
Analysis Customers' Interest to IB Faedah Savings Mohamad Toha; Qurrotu Aini
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

Marketing is to attract customers to use BRI Syariah products. In this case, the bank wants its product to be easy to sell and expansive, which is in great demand by customers and prospective customers. The study aims to determine customer’s interest in iB Faedah savings at BRI Syariah KCP Mojosari - Mojokerto. To answer the questions above, this research was designed with a qualitative descriptive approach using a case study approach. Based on the analysis of the data, it can be concluded that 1) Attention, that customers know about the iB Faedah savings product from their own initiative to come to the office and customers know about Faedah savings directly from BRI Syariah. 2) Interest, The reason customers use Faedah savings is because it adjusts to the background of individual status and the good service from BRI Syariah during the procedure. Customers feel well served and receive a clear explanation from BRI Syariah regarding the details of the iB Faedah savings product. 3) Desire, customer interest related to the cost of Faedah saving is said to depend on each person’s perspective and ability. Customers choose products with lower costs and can be used as a means of saving money for their internal needs. 4) Action (Using), that is the reason the customer has the desire to use the iB Faedah savings to meet the business needs. 5) Halal Lifestyle Awareness, customers have a purpose other than to meet financial needs but also to change perspectives in choosing the products used.
The Role of Wakalah Contract Implementation in Increasing Interest in Becoming A Reseller Mohammad Fatchur Roziq; Sundari; Muhammad Mujtaba Mitra Zuana
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

Online stores provide offers and convenience in doing business in the current era, starting from offering initial capital, and shipping goods to storage/warehouses. The rapid development of information technology has had an impact on the large growth of online stores, one of which is fashion resellers from children, teenagers to adults. Fayana is an online store that implements a reseller recruitment program to market its products using the Wakalah Agreement, As-Salam Contract, Wa’ad Contract, and Istishna. This study aims to analyze the role of implementing wakalah contracts in increasing interest in becoming a reseller at the Fayana Collection Store Surabaya. The research uses a qualitative approach. The results of this study showed that the implementation of the Wakalah Agreement played a role in increasing the interest of resellers to join Fayana Stores, in addition to one of the advantages of this store there was also an increase in the discount rate from 5% to 20%.
Opportunities Analysis of Indonesian Sharia Bank (BSI) Become Top 5 Bank in Indonesia Based on Asset Strength and Vision Mission Aang Kunaifi; Achmad Ali Sad; Ahmad Mawardi
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

The company's organizational goals can be achieved through several strategies used in determining competitive advantage, namely by using various strategies, namely by identifying the company's internal and external factors, including the role of the workforce or employees. In addition, it also develops product services through digitization that is more flexible and convenient for customers, such as the use of a single system, which means that now Bank Syariah Indonesia has one core banking system, one enterprise data, one bank code code 451, and one financial reporting. under the name Bank Syariah Indonesia (BSI). This study aims to measure BSI's opportunities in achieving the target of becoming the top 5 in the national banking industry. This research is a research with a qualitative descriptive approach. This research was carried out at Bank Syariah Indonesia KCP Molyosari Surabaya, the subjects of this research were the Branch Manager (BM), Micro Relationship and Manager Team Leader (MRMTL), Consumer Bussines Staff (CBS), Customer Service (CS), Branch Operation and Service Manager (BOSM). The data collection method in this study used interviews, observation, and documentation, then analyzed descriptively qualitatively. Through the findings in this study, it is hoped that the right and measurable strategy will be obtained in achieving the target of the top 5 banks in Indonesia
Sharia Pawn Mechanism (Rahn) on BMT Mawaddah Palengaan Branch Mat Bahri; Ernawati; Dwi Novita Agustin
Majapahit Journal of Islamic Finance and Management Vol. 2 No. 2 (2022): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

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Abstract

cabang Palengaan  in running a sharia pawnshop business (rahn). By using the descriptive method with the approach. The findings of this study are based on the Sharia Pawn (Rahn) mechanism in Baitul Maal Wa Tamwil BMT Mawaddah cabang Palengaan, First, the pawn contracts used are rahn and ijarah contracts. Second, the customer disbursement process will be subject to administrative and ujrah fees. Third, there is a process of determining the loan ceiling that will be given to customers. Fourth, the repayment process applies 2 ways, namely, the installment model and repayment at the 3 month maturity date. Fifth, if there are customers who are unable to pay off loans according to maturity, there are 2 ways of handling them, namely, taking a direct approach to provide settlement solutions and the auction process. Academic recommendations from this research, there is a need for further research with a wider unit of analysis.
Human Resources Management and Total Quality Management as an Effort to Improve Company Performance: indonesia Deasy Rinayanti Pelealu
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

Pengelolaan dan pengembangan sumber daya manusia menjadi hal yang sangat penting bagi organisasi atau Perusahaan. Aspek bisnis dan manajemen di Indonesia menerima dampak dari perkembangan globalisasi. Pengembangan dan peningkatan kinerja karyawan merupakan prioritas dan tantangan yang harus dihadapi dalam menyambut era globalisai saat ini. Pendekatan Total Quality Management (TQM) dapat mengidentifikasi apa saja bagian-bagian perusahaan yang harus diperbaiki dan mana yang harus diganti termasuk pada produktifitas kinerja pada karyawan. Tujuan dari penelitian ini ialah mengetahui manajemen sumber daya manusia dan total quality management sebagai upaya peningkatan kinerja perusahaan pada PT. CDE. Metode yang digunakan dalam penelitian ini ialah jenis penelitian kuantitatif, dengan total sampel 100 karyawan dengan pendekatan struktural Equation Model (SEM) dengan bantuan smart PLS. Hasil dalam penelitian ini ialah Manajemen Sumber Daya Manusia memiliki pengaruh positive signifikan terhadap Kinerja Perusahaan dengan nilai p-velue sebesar 0.033. Total Quality Management memiliki pengaruh positive signifikan terhadap Kinerja Perusahaan dengan nilai p-velue sebesar 0.000.
Implementation of Financing Risk Management in Mudharabah Financing at Bank Mega Syariah Surabaya Kelvin Ridho Alfarasi; Salsadila Aryanti Adam; Fianelin Widhian Murti; Qasiratuttarfiin Al Natzir
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

Financing is one of the products owned by Islamic financial institutions which can help economic growth, the greater the financing provided, the greater the risks involved. Risks that must be considered are financing risks, risks that cannot be handled seriously, and the need for good and appropriate financing risk management to minimize the occurrence of risks that will arise from various activities within Islamic financial institutions. The purpose of this observation is to determine the application of financing risk management in mudharabah financing at Bank Mega Syariah Surabaya. This data collection technique was carried out by interview observation and further analysis then conclusions were drawn. The results of this observation indicate that the Implementation of Risk Management in mudharabah financing at Bank Mega Syariah Surabaya uses 4 stages, namely risk identification, risk measurement, risk monitoring, and risk control. In the risk management process, the risk identification stage in the mudharabah financing process uses the 5C principles which include character, capacity, capital, collateral, and conditions.
Procedure for Providing Financing without Collateral with Wakalah Wal Murabahah Contracts at Btpn Syariah Surabaya Yunita Kusmanningrum; Rinda Tri Wahyuni; Shalasiah
Majapahit Journal of Islamic Finance and Management Vol. 2 No. 2 (2022): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

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Abstract

In the last five years, BTPN Syariah has continued to show progress, from year to year the assets owned have continued to increase accompanied by an increase in disbursed financing. Nevertheless, BTPN Syariah was able to reduce the NPF to below 2.5% with the disbursed financing being at 10 trillion, even though the disbursed financing is collateral-free financing and is given to pre/prosperous communities. The purpose of this study is to find out and understand what kind of procedures are applied to this collateral-free financing. The method used in this research is a descriptive qualitative method with the type of field research (field research), the collection technique used is observation and in-depth interviews.
Analysis of Mudharabah Financing on the Profitability of Bank Permata Syariah Surabaya Naini Munawaroh; Anik Siti Istikomah; Sumira Husen; Ilmagita Afrilea; Andi Azhari L
Majapahit Journal of Islamic Finance and Management Vol. 2 No. 2 (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 find out whether mudharabah financing helps in increasing profitability at Bank Permata Syariah Surabaya. The type of research used is qualitative research because this research is mini-research in nature, where researchers have to meet directly with informants and through a literature study method where data sources are taken and collected from books, journals, previous research, or websites which are then read and processed into the material. The study based on results of the study found that mudharabah financing also helped increase the profitability of Bank Permata Syariah Surabaya. There are several factors that influence the decline in mudharabah financing in increasing profitability including decreasing customer interest in mudharabah financing and increasing customers experiencing financing problems.

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