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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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Risk Management Analysis of Sharia Gold Pawn Financing Products at BPRS Bhakti Sumekar Taufik Aris Saputra
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

BPRS Bhakti Sumekar Bandaran, Tlanakan Sub-Branch Office offers various products needed by the community such as financing products, funding products, and service products. One of the financing products available at the BPRS Bhakti Sumekar is iB Maslahah’s Gold Partner a gold-backed qardh product in which the bank provides financing facilities to customers with gold collateral. The study aims to determine what are the risks experienced by financing gold pawning products and how the risk management process is carried out by BPRS Bhakti Sumekar in Sharia gold pawning financing products. This research is a type of qualitative research using a descriptive approach. Data was obtained by interview, observation, and documentation. Data credibility test uses triangulation data credibility test. While data analysis techniques use: Data reduction, data presentation, and drawing conclusions. Thus, based on the analysis of Sharia gold pawning financing risk at BPRS Bhakti Sumekar Bandaran, Tlanakan the highest risk is market risk, operational risk, and strategic risk. While compliance risk, legal risk, credit risk, reputation risk, and liquidity risk have low risks.
The Role of Muslim Entrepreneurs in Increasing the Welfare of the Sidoarjo Society Siti Hajar; Nur Dinah Fauziah; Diah Syifaul A'yuni
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

Ngingas Village is one of the villages that has a metal industrial center and is commonly referred to as a metal village. Ngingas Village itself is located in Waru District, Sidoarjo Regency, East Java Province. This village is neighboring Pandean Village which was formerly the originator of the metal industry. Ngingas became lively because metal production was varied and more in demand. Indeed, the Pandean area itself is a well-known metal-producing productive area in Sidoarjo. Even at a glance, people will not know that Pandean Village and Ngingas Village have the same special industrial center. Ngingas Village is a small, densely populated village whose majority of the population embraces Islam and has the same livelihood, namely working in the home metal industry, so it needs to be explored more deeply, which is research whose data is obtained from the actual location. While the method used is descriptive qualitative, namely the data obtained are presented in the form of interviews, documentation, and triangulation and then described so as to provide clarity.
Indonesia's Economic Diplomacy in Facing Red (Renewable Energy Directive) and European Union Palm Oil Policy Edyana Isnan
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 examine Indonesia's economic diplomacy efforts in dealing with the Renewable Energy Directive (RED) and palm oil policies in the European Union. This economic diplomacy effort is a step to deal with the impact caused by policies implemented by the European Union. The method used is descriptive qualitative with data collection techniques in the form of literature review related to the problem under study. This literature includes books, journals, written reports, articles, news collections on the internet, and documents related to the object of research. Furthermore, the data analysis technique used is qualitative. The results found that in dealing with the policy, Indonesia used commercial diplomacy by cooperating with stakeholders to form FoKSBI, as well as making ISPO policies and suing the European Union regarding its claims
BAZNAS Contribution Through Productive Zakat Program to the Economy Poor Society Azis Ashari; Siti Rohma Fatwati; Sofiatul Hasanah; Siti Juwairiyah; Rudi; Aris putra Utama
Majapahit Journal of Islamic Finance and Management Vol. 3 No. 1 (2023): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

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Abstract

This research aims to know the role of zakat productive in empowering poor communities identified as mustahik in entrepreneurship. Zakat which is allocated for mustahik can be used as venture capital whereas businesses developed by mustahik are generally still small-scale, which is not accessible by the bank. The mentoring process includes planning, implementation, monitoring, and control as well as an evaluation of the program, becoming one of the board programs to manage productive zakat, so the expectation of creating economic circulation, increasing the productivity of the business community, and increasing revenue/economic outcomes will sustainable. The method used in this study is a descriptive qualitative method to see the influence of zakat productive to the empowerment of the poor through the poverty index. This research uses primary data and secondary data. Primary data obtained from the survey results from the results of the dissemination of the questionnaire, and conduct in-depth interviews with program managers Productive Zakat in Baznas and mustahik as community empowerment program participants through Productive Zakat. Secondary data was obtained from the report Program BAZNAS on the internet, some literature, and articles. The results of the study showed overall mustahik said BAZNAS's productive economic program has been running very well.
Profit Sharing Analysis on Mudharabah Savings to Increase Customer Interest in Microfinance Haridah; M. Imam Muslim; Sulaiman
Majapahit Journal of Islamic Finance and Management Vol. 3 No. 1 (2023): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

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Abstract

Savings and Loans Cooperatives and Sharia Financing (KSPPS) NURI East Java Sokobanah 1 Sampang Branch has several products, both financing and savings. One of the KSPPS savings products is mudharabah savings. Members save their funds in microfinance and fully entrust the savings funds to be managed by microfinance in the hope of obtaining profit sharing. The income obtained by microfinance in throwing mudharabah savings funds will be divided according to the ratio agreement between the members and microfinance, 30% for customers and 70% for cooperatives. This study aims to determine the profit-sharing system in savings (mudharabah savings) carried out by the Microfinance East Java Sokobanah 1 Sampang. This research is qualitative research which is described by words or sentences that are separated according to categories to get a conclusion. Data collection used interviews with the manager of the Microfinance East Java Sokobanah 1 Sampang. The method of observation is to observe directly the financing activities in the field. The results of the study show that the increase in customer interest in mudharabah contract transactions does depend on the amount of profit sharing, namely on the highest ratio exceeding interest rates. The implication is that mudharabah contracts have the potential to be developed even though the risks are also great.
Procedure for Providing KUR IB Financing and the Strategy for Preventing Problem Financing at Bank Sinarmas Syariah KCS Surabaya Ina Kurnia Ilahi; Dinda Marsa; M. Akhmas M.; Mutiara Dina
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

Financing is a fund distribution activity carried out by banks to customers. This study aims to determine the procedures and systems implemented by Bank Sinarmas Syariah KCS Surabaya in providing KUR IB financing as well as the supervision process carried out as an effort to prevent problematic financing. This study used a descriptive qualitative method. The data used is in the form of primary data from interviews with informant selection using purposive sampling techniques and several supporting documents as secondary data. This research shows that Bank Sinarmas Syariah KCS Surabaya implements a strategy in the form of accurate financing analysis by applying 5C aspects and conducting supervision as a form of risk mitigation. Bank Sinarmas Syariah KCS Surabaya is considered very healthy with an NPF of 0%.
Green Industry as a Tourism-Based MSME Development Strategy in Supporting a Sustainable Future (Case Study in Cowindo Sendang District, Tulungagung District, East Java) Rahma Sandhi Prahara; M. Vicko Ardine Billie Kurnawan; Fayyadh Faza Muhammad; M. Vicko Alghozali Syahrial
Majapahit Journal of Islamic Finance and Management Vol. 3 No. 1 (2023): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

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Abstract

Indonesia’s efforts to contribute as a member of the G20 are to maximize domestic economic development. One of the important problems faced in economic development is between meeting development needs and efforts to maintain aspects of environmental sustainability. Environmental problems are a contemporary issue that does not only occur at the macro level. However, at a micro level, the world is trying to get to know the issues of environmentally friendly products or what is known as Green Business or Green Industry. The impact of the existence of the green industry is that the global market trend is increasingly moving towards environmentally friendly products (eco-products). This condition is an obstacle and opportunity that needs to be immediately anticipated and utilized. For this reason, the government created a policy to help MSMEs through the Center for the Study of Green Industry and the Environment of the Ministry of Industry (2011), namely by developing environmentally friendly industries or green industries that can produce green products. MSMEs from the tourism sector in Tulungagung, East Java are Cowindo. Cowindo is one of the educational tours in Sendang District, Tulungagung Regency, East Java. Starting from local wisdom, it became known as a quality milk-producing area, then educational tourism was opened in 2018 and a sustainable production process was officially developed in 2020. In supporting sustainability at the domestic level, biogas is one of the strategies to make it happen. Apart from that, there are several implementations carried out by Cowindo as a form of green business, namely Bio-Slurry, the use of banana leaves as an alternative to reducing the use of soap and water, as well as processing lemongrass distillate for cows to drink as additional nutrition for the cows.
The Influence of Halal Labels and Electronic Word of Mouth (E-WOM) on Purchase Decisions of Food and Beverage Products on the Shopee Online Site Muhammad Abdul Rosyid; Muawanah; Muhammad Mujtaba Mitra Zuana
Majapahit Journal of Islamic Finance and Management Vol. 3 No. 1 (2023): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

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Abstract

E-commerce is a new concept that can be used as a process of buying and selling goods or services. Shopee is one of the e-commerce companies whose users are increasing every year. The use of the Shopee application is in great demand through sharing circles, especially among students. In buying a product, halal labels and information about the product are very important with the existence of electronic word of mouth as an information medium usually a consideration for deciding to buy the product.  The purpose of this study is to prove that there is an influence of halal labels and electronic words of mouth partially and simultaneously on purchasing decisions in students of the Faculty of Sharia. This type of research is quantitative research with the survey method. The data used in this study are primary data and also secondary data. Data collection is carried out using the questionnaire method. The number of populations in this study is not known exactly the number, the sample used in this study amounted to 82 respondents. The analysis technique used in this study is a multiple linear regression analysis technique. Halal labels and electronic word of mouth simultaneously have a positive and significant effect on purchasing decisions for food and beverage products on the Shopee online site. This is indicated by a calculated F value of 59.149 and a table F value of 3.11. The significance value is < 0.001. The value indicates that the calculated F value > F of the table and the significance value of the < 0.05.
Worker Reciprocity and the Returns to Training: Evidence from a Field Experiment Jan Sauerman; Muhammad Baiqun Isbahi
Majapahit Journal of Islamic Finance and Management Vol. 3 No. 1 (2023): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

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Abstract

Is there a correlation between reciprocal workers and higher returns to employer-sponsored training? The study employed a field experiment that utilized random assignment to training, along with the collection of survey data on workers' reciprocal tendencies. The findings of the study indicate that workers who exhibit reciprocal behavior are more likely to reciprocate their employers’ expenditures in training by demonstrating higher levels of performance after completing the training program. The findings of this study remain consistent even after accounting for observed personality traits and worker-fixed effects. These results indicate that individuals respond to the firm's investment in human capital by exerting greater effort, aligning with theoretical models that propose a reciprocal relationship between gift exchange in the workplace. This discovery offers an alternate justification for corporate training investments, notwithstanding the potential danger of employee poaching.
Efficiency of Islamic Income Allocation and Distribution among MSMEs in Pentol Bakar Pacet, Mojokerto Tanto Fatkhurrozi; Lilik Rahmawati
Majapahit Journal of Islamic Finance and Management Vol. 3 No. 1 (2023): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

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Abstract

Islamic Allocation Efficiency means that no individual can increase his utility without reducing other uses. Islamic allocation efficiency does not allow increasing personal welfare which can cause the welfare of others to decrease. Income Distribution in Islam refers to the distribution of existing assets, both private and public, to the people who are entitled to receive them. One of the goals to be achieved by distributing Islam is a social goal, meeting the needs of groups in need and enlivening the principle of solidarity in Islamic society so that society can live in prosperity. This research uses descriptive qualitative research. Data collection was obtained from interviews and field observations as well as various reading materials, both journals and books. This research resulted in the MSMEs business actors of Pentol Bakar (Grilled Pentol) Pacet being able to be said to be efficient because the allocation of income received from both employees and bosses without the bosses and employees being harmed was not wronged by the MSMEs business actors of Pentol Bakar Pacet in accordance with the theory of income distribution in Islam because there was no efforts to improve the welfare of others over the suffering of others because the income received by employees is greater than what the staff earns. There is also an aspect of justice because in this case no one is harmed by this system, it’s just that employees must continue to optimize their work in order to earn more income. MSMEs actors of Pentol Bakar Pacet are in accordance with Islamic allocation efficiency.  

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