Finance
Finance: Journal of Accounting and Finance is a journal managed by the Islamic Banking Study Program at Zainul Hasan Genggong Islamic University and in collaboration with the professional organization, the Association of Islamic Economists. with a professional organization, namely the Association of Islamic Economists. This journal is published twice a year (May and October). This journal focuses on the publication of research results and scientific articles on Islamic banking, Islamic finance, Islamic microfinance institutions, non-bank financial institutions, Islamic capital markets, Islamic economics and Islamic finance. financial institutions, Islamic capital markets, Islamic economics and other themes related to Islamic finance. with Islamic finance.
Articles
52 Documents
<![CDATA[PENERAPAN AKAD KONVENSIONAL DAN SYARIAH PADA PEMBIAYAAN DI PT. ADIRA FINANCE SYARIAH SATELLIT BALUNG ]]>
<![CDATA[Abd. ghafur]]>;
<![CDATA[Nur istianah putri]]>
<![CDATA[ Finance : Journal of Accounting and Finance Vol. 1 No. 1 (2023): Volume 1 Nomor 1, Mei 2023 ]]>
Publisher : <![CDATA[Finance : Journal of Accounting and Finance ]]>
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<![CDATA[This research aims to analyze the application of conventional contracts and sharia contracts applied to financing at PT. Adira Finance Syariah balung. In the current rapid economic era, PT. Adira Finance Syariah operates in the leasing sector where there is an agreement between the two parties, namely between the Company and the consumer, with the provision of rental payments within the agreed agreement time. When paying the rent, conventional and sharia leasing is applied. There is a comparison between financing conventional contracts and sharia contracts. In conventional leasing, a contract with an interest system is used as the objective. Meanwhile, in sharia leasing, a murabahah (sale and purchase) contract is used, whereas the advantages of the sharia contract itself are in terms of profit margin. The application of these two contracts is to further understand the business leases that are applied in leasing companies. The purpose of writing this report is to determine the differences between conventional leasing contracts and sharia leasing contracts. The type of data the author uses is secondary or external data. This research uses a qualitative descriptive research method.]]>
<![CDATA[ANALISIS FINANCIAL TECHNOLOGY (FINTECH) & DIGITAL MARKETING PADA BSI KCP LUMAJANG S PARMAN ]]>
<![CDATA[Ahmad Fajri ahmadfajri]]>
<![CDATA[ Finance : Journal of Accounting and Finance Vol. 1 No. 1 (2023): Volume 1 Nomor 1, Mei 2023 ]]>
Publisher : <![CDATA[Finance : Journal of Accounting and Finance ]]>
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<![CDATA[The development of Financial Technology in Indonesia has recently been very rapid. This has changed people's lifestyles in various sectors, one of which is the financial sector which has an impact on financial services institutions in the banking sector. Financial Technology is a new technology and innovation that aims to compete with traditional financial methods in delivering financial services, in which there are new applications, processes, products or models that aim to make it easier for society. This financial technology has its own opportunities and challenges to achieve goals from both the bank and customer sides. This research aims to find out the fintech used at BSI KCP Lumajang S Parman, and how digital marketing developments at BSI Lumajang S Parman have increased customers.To identify these problems, this study uses a type of qualitative research. The data collection techniques were carried out using previous research reports, observations, interviews, and documentation. Based on the research that has been done, this research shows that 1) the fintech used at BSI KCP Lumajang S Parman is BSI Mobile and BSI Net which contain various features that make it easy to make transactions. 2) Digital marketing used at BSI KCP Lumajang S Parman namely Whatsapp and Email.]]>
<![CDATA[CITRA MEREK PREFERENSI DAN RELIGIUSITAS SERTA PENGARUHNYA TERHADAP KEPUTUSAN NASABAH DALAM MEMILIH PEMBIAYAAN TERHADAP KEPUTUSAN NASABAH DALAM MEMILIH PEMBIAYAAN (STUDI EMPIRIS PADA BMT-MASLAHAH CABANG KRUCIL) ]]>
<![CDATA[Nuntupa, Nuntupa]]>;
<![CDATA[Lailatul Hikmah, Selfia Dwi]]>
<![CDATA[ Finance : Journal of Accounting and Finance Vol. 1 No. 1 (2023): Volume 1 Nomor 1, Mei 2023 ]]>
Publisher : <![CDATA[universitas Islam Zainul Hasan Genggong ]]>
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DOI: 10.55210/am0c1f41
<![CDATA[The purpose of this study was to determine the effect of brand image, preference and religiosity on customer decisions in choosing financing at BMT Maslahah Krucil Branch. The research method used is a quantitative method. The population used is customers who do financing at BMT Maslahah Krucil Branch. The sample taken in this study were 86 respondents using simple random sampling technique. Data were collected using a questionnaire. Analysis of the data used is classical hypothesis testing and multiple linear regression with the help of SPSS 25 for windows. The results of this study indicate that brand image, preference and religiosity have a significant influence on customer decisions in choosing financing at BMT Maslahah Krucil Branch.]]>
<![CDATA[PERAN BMT MASLAHAH CAPEM GENDING PADA PERKEMBANGAN USAHA MIKRO KECIL MENENGAH ( UMKM ) ]]>
<![CDATA[Zahida]]>;
<![CDATA[Erike Devliana Vinuri]]>
<![CDATA[ Finance : Journal of Accounting and Finance Vol. 1 No. 2 (2023): Volume 1 Nomor 2, Oktober 2023 ]]>
Publisher : <![CDATA[Finance : Journal of Accounting and Finance ]]>
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<![CDATA[Financial institutions have played a very large role in the development and growth of modern industrial society. BMT is included in the Sharia Financial Institutions which are operated on the principle of profit sharing, trying to grow and develop micro, small and medium enterprises, in order to raise the level and dignity and defend the interests of the poor. The aim of this research is to determine the role of BMT in empowering micro businesses and the potential of businesses financed at Baitul mal wa tamwil (BMT) to develop economic activities so that they provide positive, prosperous and of course more independent results. This research is qualitative research with a descriptive research type, and the research data is taken from first-hand data, namely customer perceptions and second-hand statements that can be trusted. Data collection techniques include interviews, observations and information from books, articles, journals and theses. Research findings show that BMT plays an important role in empowering micro businesses by providing financing in accordance with sharia and cooperative work operational agreements. That way, MSMEs will become more advanced and able to absorb workers, which of course will help a lot in economic development and alleviating poverty due to reduced employment opportunities.]]>
<![CDATA[Komparasi Perbandingan Denda Keterlambatan Leasing Konvensional dan Syariah di PT. Adira Finance Satellite Balung ]]>
<![CDATA[ghafur, Abd.]]>;
<![CDATA[Namira , Agnes Alya]]>
<![CDATA[ Finance : Journal of Accounting and Finance Vol. 1 No. 2 (2023): Volume 1 Nomor 2, Oktober 2023 ]]>
Publisher : <![CDATA[universitas Islam Zainul Hasan Genggong ]]>
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DOI: 10.55210/ancphw95
<![CDATA[Adira Dinamika Multi Finance Tbk Cabang Jember Satelit Balung merupakan perusahaan pembiayaan yang memiliki dua jenis pembiayaan, yaitu konvensional dan syariah. Pembayaran pembiayaan di Adira Finance dapat dilakukan dengan cara mengangsur setiap bulannya. Namun, seringkali pada saat proses angsuran berlangsung, pihak bank akan dihadapkan pada berbagai macam masalah, terutama nasabah yang kredit angsurannya macet. Oleh karena itu, untuk meminimalisir kerugian, perusahaan pembiayaan akan menerapkan sistem denda bagi nasabah yang terlambat membayar angsuran sesuai dengan tenggat waktu yang telah ditentukan dan disepakati. Denda yang diterapkan oleh PT. Adira Finance Satelit Balung menyesuaikan dengan jenis pembiayaan yang diambil oleh nasabah. Dan hasil denda dari pembiayaan syariah digunakan untuk dana kebajikan yang akan disalurkan melalui Program Pemberdayaan Masyarakat. Tujuan dari penelitian ini adalah untuk mengetahui perbandingan denda keterlambatan secara konvensional dan syariah pada PT. Adira Dinamika Multi Finance Satelit Balung. Hasil penelitian menunjukkan bahwa denda syariah lebih baik dibandingkan dengan konvensional, karena penerapan denda syariah untuk kemaslahatan umat dengan program pemberdayaan masyarakat melalui kunjungan ke beberapa masjid.]]>
<![CDATA[Strategi Marketing Sebagai Upaya Meningkatkan Penjualan Produk Di Hdi Family Center Kraksaan Probolinggo Dalam Perspektif Syariah ]]>
<![CDATA[Qomariyah, Qomariyah]]>;
<![CDATA[Armanto, Nuruddin]]>;
<![CDATA[Fajri, Ahmad]]>
<![CDATA[ Finance : Journal of Accounting and Finance Vol. 1 No. 2 (2023): Volume 1 Nomor 2, Oktober 2023 ]]>
Publisher : <![CDATA[universitas Islam Zainul Hasan Genggong ]]>
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DOI: 10.55210/x6znkd65
<![CDATA[In the current era, the marketing strategy has become a benchmark in developing the business world. Market conditions that are increasingly expanding can encourage entrepreneurs to implement their marketing strategies properly. By implementing a good and targeted marketing strategy, this can attract consumers to buy products. The purpose of this study is to determine marketing strategies in increasing sales of HDI Family Center Kraksaan products from a sharia perspective. At this writing the method used is descriptive qualitative, besides that in collecting data used is from secondary data sourced from publications which include scientific journals, books, websites, which are sourced from interviews. The end result of this writing is to show that marketing strategies can be applied to increase sales using the mix marketing method. In addition, there is also targeting and segmenting which are important references in marketing strategies.]]>
<![CDATA[Urgensi Manajemen Sumber Daya Insani Pada Industri Halal ]]>
<![CDATA[Nuntupa, Nuntupa]]>;
<![CDATA[Saleem, Saleem]]>
<![CDATA[ Finance : Journal of Accounting and Finance Vol. 1 No. 2 (2023): Volume 1 Nomor 2, Oktober 2023 ]]>
Publisher : <![CDATA[universitas Islam Zainul Hasan Genggong ]]>
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DOI: 10.55210/05wh9j79
<![CDATA[Today the halal industry is in a significant upward trend, ranging from banking, travel, fashion to other businesses. Of course this requires the best plan to support the increase in the halal industry in Indonesia, especially in the field of human resources. This paper uses a literature review of relevant references related to the urgency of human resource management in the halal industry. The importance of human resource development in the development of the halal industry is needed to encourage the development of the halal industry so that it can compete with conventional industries.]]>
<![CDATA[Peran Notaris Dalam Membuat Akad Pembiayaan Murobahah Di Bmt Maslahah Cabang Besuk Pasar Senen ]]>
<![CDATA[Fadila, Nurul]]>;
<![CDATA[Hakim, Ahmad Faizul]]>
<![CDATA[ Finance : Journal of Accounting and Finance Vol. 1 No. 2 (2023): Volume 1 Nomor 2, Oktober 2023 ]]>
Publisher : <![CDATA[universitas Islam Zainul Hasan Genggong ]]>
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DOI: 10.55210/jertsw83
<![CDATA[A notary is an official appointed by the Government and has the authority to carry out authentic deeds. Sharia contracts that are notarized to qualify as genuine instruments must comply with applicable laws and regulations. Therefore, the Notary when making a sharia contract deed is obliged to pay attention to the provisions of sharia law. The position of a notary and sharia principles are stated in the contract. One form of sharia contract that is widely used in BMT cooperatives is the murabahah contract. The purpose of this article is to explore and analyze the murabahah contract and the role of the notary in signing the murabahah financing contract deed at the BMT Cooperative. The method used in this article is the empirical legal method, which is described specifically with primary and secondary data and analyzed qualitatively. This article produces: (1) Murabahah financing contract is an agreement that is in accordance with sharia principles regarding the sale and purchase of goods with a medium of exchange accompanied by predetermined additions and (2) Notary is a public official who has the right to do so. authentic deed, considering how important the authority and role of the Notary is, the Notary must have extensive knowledge or understanding, one of which is related to the technique of executing the deed that will be carried out later. It is important for Notaries to understand the principles of sharia law, especially the principle that all their activities are based on Islamic law.]]>
<![CDATA[Pemikiran Al-Maqrizi : Inflasi dan Kondisi Perekonomian Indonesia ]]>
<![CDATA[zamilah, ainun]]>;
<![CDATA[Balqis, Nurul Iman]]>
<![CDATA[ Finance : Journal of Accounting and Finance Vol. 1 No. 2 (2023): Volume 1 Nomor 2, Oktober 2023 ]]>
Publisher : <![CDATA[universitas Islam Zainul Hasan Genggong ]]>
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DOI: 10.55210/hm08ks40
<![CDATA[Penelitian ini dilatarbelakangi oleh kondisi inflasi di Indonesia yang fluktuatif disebabkan faktor-faktor penyebab inflasi yang berdampak pada perkembangan perekonomian Indonesia. Pemikiran inflasi menurut Al-Maqrizi terjadi karena dua hal yaitu faktor alamiah dan karena kesalahan manunsia. Inflasi alamiah disebabkan oleh bencana alam. Sedangkan faktor kedua karena kesalahan manusia. Berdasarkan kondisi perekonomia Indonesia yang tidak stabil, apakah pemikiran Al-Maqrizi dapat diaplikasikan dan menjadi solusi untuk meningkatkan perekonomian Indonesia? Untuk menjawab permasalahan tersebut penelitian ini menggunakan pendekatan kualitatif deskriptif. Hasil penelitian ini menunjukkan bahwa pada faktor alamiah, pemerintah dapat melakukan upaya pencegahan kerugian yang lebih besar yaitu dengan melakukan persiapan ekonomi dan pencegahan, yang berarti bahwa pemikiran Al-Maqrizi perihal Korupsi dan Administrasi yang buruk dapat menjadi penyebab inflasi adalah sesuai. Sedangkan variable pajak negara berlebih dan sirkulasi uang tidak menyebabkan inflasi dikarekan kondisi Indonesia cukup stabil.]]>
<![CDATA[PENGENDALIAN RESIKO PEMBIYAAN MURABAHAH DI BMT MASLAHAH CABANG CONDONG ]]>
<![CDATA[ahmadfajri, Ahmad Fajri]]>
<![CDATA[ Finance : Journal of Accounting and Finance Vol. 2 No. 1 (2024): Volume 2 Nomor 1, Mei 2024 ]]>
Publisher : <![CDATA[universitas Islam Zainul Hasan Genggong ]]>
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DOI: 10.55210/ms7msy42
<![CDATA[The aim of this research is to describe the strategy of BMT Maslahah Condong Branch in controlling the risk of member delays in installment payments and defaults and fulfilling agreed agreements. This research method uses descriptive qualitative, with data collection techniques through observation, interviews and documentation. The results of this research revealed that BMT Maslahah Condong Branch attempted to resolve it by means of negotiation, summons, and friendship and asked what problems caused members to be late in paying installments and members were unable to fulfill the initial agreement that had been agreed upon, such as collateral being sold without notifying them. BMT before the settlement date.]]>
