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Finance
Published by Universitas Islam Zainul Hasan Genggong
ISSN : 30250579     EISSN : 30249864     DOI : -
Core Subject : Religion, Economy, Education, Engineering,
Religion Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Other
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.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 52 Documents
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Manajemen Talenta Berbasis Syariah: Pendekatan dan Implementasi di Industri Halal Nuntupa, Nuntupa; Nugroho, Reza
Finance : Journal of Accounting and Finance Vol. 2 No. 1 (2024): Volume 2 Nomor 1, Mei 2024
Publisher : universitas Islam Zainul Hasan Genggong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/kpvr4106

Abstract

This paper seeks to provide a new perspective and a new concept in managing sharia-based  talent in the halal industry. By using literature study and data analysis, the author hopes to  make a meaningful contribution to the development of sharia-based talent Sharia-based Talent  Management is an approach that combines modern management principles with Islamic values.  In the context of the halal industry, the implementation of sharia-based talent management can  help improve company performance through the development of human resources with  integrity, fairness, and oriented towards the common good. Thus, the company can get blessings  and success in carrying out its business activities.
Analisis Efektivitas Strategi Sistem Jemput Bola dalam Meningkatkan Jumlah Nasabah Pada BMT Maslahah Cabang Pembantu Condong Nasrifah, Maula; Abdel Karim, Ahmed
Finance : Journal of Accounting and Finance Vol. 2 No. 1 (2024): Volume 2 Nomor 1, Mei 2024
Publisher : universitas Islam Zainul Hasan Genggong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/zqj73f54

Abstract

The ball pick-up system is carried out to introduce BMT to all levels of society, especially the lower middle class as an effort made by BMT to introduce BMT so that people are interested in becoming members by visiting each member's home. The purpose of this study is to determine the effectiveness of the ball pick-up system strategy at BMT Maslahah Condong Sub-Branch in increasing the number of customers and to find out the constraints of the ball pick-up system strategy. This research uses qualitative methods based on the philosophy of postpositivism. Data collection techniques with observation, interviews and documentation. Descriptive analysis techniques by examining and describing the findings that have been obtained from observations and existing documentation. The results of this study indicate that the ball pick-up system is very effective in increasing the number of customers. The effectiveness in question is with active planning and time, integration of communication and work enthusiasm by the BMT. The ball pick-up strategy at BMT has the advantage of providing convenience to customers in transacting with no need to come to the office for transactions, increasing socialisation, providing calendars, delivery and courteous service to members. The obstacles faced are mobile printers that sometimes err, the amount of savings that are not the same amount, and the limited time and lack of employees who run.
Analisis Financial Technology (Fintech) & Digital Marketing Pada BSI KCP Lumajang S Parman Sakdia, Halimatus; Suleiman, Yasir
Finance : Journal of Accounting and Finance Vol. 2 No. 1 (2024): Volume 2 Nomor 1, Mei 2024
Publisher : universitas Islam Zainul Hasan Genggong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/k8wts497

Abstract

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.
PENGARUH PEMBIAYAAN PRODUK KUR SYARIAH TERHADAP PERKEMBANGAN UMKM KOTA PROBOLINGGO fajri, Ahmad; Fama, Eugene
Finance : Journal of Accounting and Finance Vol. 2 No. 2 (2024): Volume 2 Nomor 2, November 2024
Publisher : universitas Islam Zainul Hasan Genggong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/7bgj7e86

Abstract

This research aims to determine the influence of KUR Syariah product financing on the development of MSMEs. The population in this study were MSMEs who were registered as customers and used financing funds. By distributing questionnaires or questionnaires to customers at the CPS Probolinggo Sharia pawn shop, there were 70 respondents. The sample from this research used random sampling and obtained a sample of 41 respondents. For data analysis, we used the SPSS version 29 program. The results of the research showed that KUR Syariah product financing had a positive effect on the development of MSMEs at the CPS Probolinggo Sharia pawnshop. Customer business development has increased both in terms of business capital, increased turnover and increased income.
ANALISIS MEKANISME PENGHIMPUNAN DANA TABUNGAN HAJI DENGAN AKAD MUDHARABAH PADA BANK BTN KCPS PROBOLINGGO Najib, Ainun; Nasrifah, Maula; Liam, Liam
Finance : Journal of Accounting and Finance Vol. 2 No. 2 (2024): Volume 2 Nomor 2, November 2024
Publisher : universitas Islam Zainul Hasan Genggong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/3w8qs708

Abstract

This research will discuss the analysis of the mechanism for collecting hajj savings funds using a Mudharabah agreement at BTN KCPS Probolinggo. With the aim of finding out more about the mechanism for collecting Hajj savings funds with a Mudharabah agreement at BTN KCPS Probolinggo. The research method is descriptive qualitative and data is obtained through observation, interviews and documentation, tested with credibility tests and analyzed from data collection to reporting. The results of this research show that the Mudharabah Agreement which is used to collect funds is also very helpful for customrs in deciding to save for hajj at BTN KCPS Probolinggo, where the sharia system is currently starting to develop in Indonesia. With the existence of this hajj savings product at BTN, of course, using the Mudharabah contract as a reference, there are many things that can be obtained by the customers themselves, such as helping to ease the preparation and carrying out of the hajj through sharia-based fund management, free opening fees, no monthyl administration, and customers can get ATM card fasilities that can be used by VISA providers.
ANALISIS PENERAPAN STRATEGI SEGMENTING, TARGETING DAN POSITIONING TERHADAP TABUNGAN PRIMA IB BANK TABUNGAN NEGARA SYARIAH PROBOLINGGO Halima, Halima; Nasrifah, Maula; Admati, Anat
Finance : Journal of Accounting and Finance Vol. 2 No. 2 (2024): Volume 2 Nomor 2, November 2024
Publisher : universitas Islam Zainul Hasan Genggong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/hp9fs698

Abstract

This research aims to find out how the segmenting, targeting and positioning (STP) strategy is implemented in a company, where the STP strategy itself has an important role in increasing a company's profits from iB prime savings at Bank Tabungan Negara Syariah Probolinggo (BTN). This method uses qualitative methods in collecting interview data (In-depth interviews), focus group discussions (FGD) and is equipped with documentation carried out with 3 sources, namely customer service and 2 members of the finance office of BTN Syariah Probolinggo bank. The results of this research show that the Prima iB Savings at BTN Syariah Bank Probolinggo applies the STP strategy to its products. Implementation of segmentation for Prima iB Savings through geographic, behavioral and democratic segmentation. Meanwhile, targeting is applied to entrepreneurs, developers and notaries because the target market itself is customers from the upper middle class economy because they have quite high mobility. Finally, the application of positioning 1. Social media 2. Large events 3. Through verbal 4. Bank BTN Syariah Probolinggo marketing. This research is equipped with obstacles and solutions to overcome problems that exist in a company in the Prima iB Savings product.
KONSEP DASAR DAN ASAS-ASAS DALAM HUKUM PERIKATAN Fadila, Nurul; Sa’diyah, Kholifatus; Krisdayanti, Krisdayanti
Finance : Journal of Accounting and Finance Vol. 2 No. 2 (2024): Volume 2 Nomor 2, November 2024
Publisher : universitas Islam Zainul Hasan Genggong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/vzss1h56

Abstract

Abstract : This article explains the basic concepts and principles in contract law, where a bond is a legal relationship between two parties in the field of assets, where one party (the creditor) is entitled to a performance and the other party, the debtor, is obliged to fulfill that performance. Basically, an agreement is born/exists because there is a law or agreement that gives birth to the agreement. The legal basis for civil legal obligations is one of the important aspects of the legal system that regulates relationships between individuals or legal entities. This research uses qualitative research methods with a library approach. Library research is used to collect data from literature such as books, notes and reports of previous research results.
MEKANISME PENDAFTARAN HAJI SECARA ONLINE MELALUIMOBILE BANKING BANK MUAMALAT KCP PROBOLINGGO Hanifatul Hasanah, Uum; Kholifah, Kholifah
Finance : Journal of Accounting and Finance Vol. 2 No. 2 (2024): Volume 2 Nomor 2, November 2024
Publisher : universitas Islam Zainul Hasan Genggong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/4bsabr78

Abstract

This research aims to overcome the Hajj data collection mechanism for prospective Hajj pilgrims by digitizing Hajj registration via the Muamalat Digital Islamic Network (DIN) mobile banking application. The stages for registering for Hajj through Muamalat DIN are as follows: First, prospective pilgrims first open an account online at Muamalat DIN. Second, register and make an initial deposit of IDR 25 million into the Hajj Pilgrimage Savings Account (RTJH). After making the payment, the congregation will receive proof of payment and a validation number. Third, the congregation enters the validation number into the Ministry of Religion's Smart Haji application to get the portion number and year of departure. The results of this research show that it uses a descriptive-qualitative type of research and approach. creating a Hajj information system. The research method used is by providing online Hajj and Umrah services. The results can be concluded that the Hajj information system is more efficient and accurate than the previous Hajj registration system which was still done manually. Registration for the Haj portion can now be done online via Muamalat DIN without having to come to a branch office. Bank Muamalat has also synchronized with the Smart Hajj application belonging to the Ministry of Religion of the Republic of Indonesia so that registration for paying off Hajj costs can be done online. As a Bank Recipient of Deposits for Hajj Organizing Costs (BPS BPIH), we have carried out digital innovation in the form of registering and paying off Hajj costs online. On line. This makes it easier for prospective Hajj pilgrims because it is practical, easy, anytime and anywhere right from their hand.
Strategi Manajemen Sumber Daya Manusia (SDM)dalam Meningkatkan Kualitas Perbankan Syariah Agus Susila, Ahdiyat; Faradella Novianti, Arinda; Black, Fischer
Finance : Journal of Accounting and Finance Vol. 2 No. 1 (2024): Volume 2 Nomor 1, Mei 2024
Publisher : universitas Islam Zainul Hasan Genggong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/fjjg4188

Abstract

This article discusses human resource management strategies to improve the quality of sharia banking operations. Human resources are a very important part of a company's operational activities. Because Islamic banking is still relatively new, one of the problems is the lack of skilled Islamic financing professionals, including Islamic banking academics and activists. The method used in writing this article is qualitative analysis using a literature review or literature study approach. The sources of information that I referenced when writing this article were several magazines, articles and official websites. This allows the author to obtain relevant information from previous research related to human resource management and further develop this research by combining several of these sources into one article. From these results it can be concluded that human resource management is very important to improve the quality of sharia banking operations. The task of human resource management is to manage the human element well to support the process of achieving company goals by attracting employees who can carry out their work well. Characteristics of human resources needed in sharia banking operations.
INTEGRATING SPIRITUALITY INTO MANAGEMENT STRATEGY RECONSTRUCTION TO SUSTAIN SHARIA ENTITIES putri, adibah
Finance : Journal of Accounting and Finance Vol. 3 No. 1 (2025): Volume 3 Nomor 1, Mei 2025
Publisher : universitas Islam Zainul Hasan Genggong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/62859408

Abstract

Amidst the rising tide of management anomalies and the dynamic emergence of sharia-based entities, a significant shift is taking place—one that transcends mere market expansion and ventures into the redefinition of strategic frameworks. The persistent growth of sharia market share across diverse sectors not only demands adaptation but invites a deeper transformation rooted in values, vision, and virtue. This research responds to that call by reconstructing strategic management through the lens of sharia principles, forging a paradigm where spiritual consciousness and managerial precision intersect. Anchored in the grand theory of Sharia Enterprise and empowered by Tazkiah—a purification process that aligns intention with action—this study proposes a holistic model of spiritual strategic management. It reimagines human resource development not merely as a tool of productivity, but as a sacred trust that cultivates balanced individuals in both soul and skill. Emphasizing faith, knowledge, worship, and piety, the proposed framework aspires to bridge the material with the spiritual, the temporal with the eternal, and in doing so, enrich the discourse of sustainable, values-driven leadership in the modern age.

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