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Irma Rosyidah
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osiyirma1105@gmail.com
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jurnal.jifsb@staisenorituban.ac.id
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Journal of Islamic Finance and Syariah Banking
Published by STAI Senori Tuban
ISSN : -     EISSN : 30266017     DOI : https://doi.org/10.63321/JIFSB
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
ournal of Islamic Finance and Syariah Banking adalah jurnal akademik yang fokus pada keuangan Islam dan perbankan syariah. Jurnal ini menyajikan artikel-artikel ilmiah yang mendalam tentang prinsip-prinsip ekonomi Islam, hukum keuangan Islam, perbankan syariah, investasi berbasis syariah, pasar modal Islam, dan topik terkait lainnya. Jurnal ini memberikan wadah bagi para peneliti dan akademisi untuk berbagi pemikiran, analisis, dan pandangan kritis mereka terhadap isu-isu penting dalam dunia keuangan Islam dan perbankan syariah. Journal of Islamic Finance and Syariah Banking berupaya mendorong diskusi intelektual yang mendalam dan kontribusi berharga terhadap pemahaman tentang warisan intelektual Islam
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 30 Documents
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Analisis Fatwa DSN-MUI No. 137/DSN-MUI/IX/2020 tentang Sukuk dalam Perspektif Fiqih Muamalah Ilmiyah, Izzatul; Muiz, Abdul
Journal of Islamic Finance and Syariah Banking Vol. 1 No. 1 (2023): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v1i1.8

Abstract

Sukuk are sharia securities (sharia securities) in the form of certificates or proof of ownership that have the same value and represent ownership of assets in the form of projects or investment activities after receipt of sukuk funds. The existence of sukuk in the modern era cannot be separated from the needs of companies or institutions that require capital. The legal basis for sukuk must be clear in order to avoid investments that are prohibited in Islam. Therefore, the permissibility of sukuk is contained in fatwa No. 137/DSN-MUI/IX/2020 concerning sukuk. The fatwa becomes the guidelines and rules for the provisions of Sukuk. The researcher uses the descriptive qualitative method, which is to describe the permissibility as well as the provisions and limitations related to Sukuk. The purpose of this research is to analyze the fatwa of DSN-MUI Number 137/DSN-MUI/IX/2020 according to fiqh rules. The results showed that fatwa No.137/DSN-MUI/IX/2020 was issued with the consideration that sukuk investment requires guidelines, provisions, and limitations in carrying out its activities.
Dimensi Operasional Internal dalam Pendirian Bank Syariah Indonesia (BSI) Ilmiyah, Izzatul
Journal of Islamic Finance and Syariah Banking Vol. 1 No. 1 (2023): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v1i1.9

Abstract

Sharia banking is a system created with an alternative mindset, so it is intended to be different from other banks. This system is different not only in terms but also in terms of providing the best service and a sense of security to customers. Then, Bank Syariah Indonesia (BSI) was founded on February 1, 2021. Bank Syariah Indonesia (BSI) can be said to be the largest Sharia bank in Indonesia it was founded as a result of the merger of 3 (three) Sharia banks, namely BNI Syariah, Bank Syariah Mandiri, and BRI Syariah. The merger of these banks is intended to encourage larger Islamic banks to enter the global market. In this research, the researcher uses a library study approach, what is meant by library study itself is a relationship of actions related to procedures for combining library data, understanding and writing, and processing the object of study. The research results show that the internal operational dimension in the establishment of Bank Syariah Indonesia is the BSI organizational structure which consists of a president director, vice president director, wholesale & transactional banking, retail banking, distribution, information technology & operations, risk management & compliance, finance & Treasury, consumer business, operations, special asset management, human capital. BSI's own working mechanism refers to the GMS decision, namely regarding future work plans and accountability reports. BSI directors can carry out further operational steps and bank policies, as well as a fatwa issued by the DPS containing BSI products, the bank's operations and policies have received validity. and within BSI there are 2 (two) types of supervision, including internal supervision carried out by the board of commissioners, DPS, and directors. Furthermore, external supervision is carried out by BI (Bank Indonesia). Lastly, BSI's activities include marketing and operational activities.
Analisis Hukum dan Etika dalam Transaksi Ijarah pada Operasional Perbankan Syariah Mujib, Muhammad Abdul
Journal of Islamic Finance and Syariah Banking Vol. 1 No. 1 (2023): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v1i1.10

Abstract

This research aims to explain the law and ethics of ijarah transactions in Sharia banking operations. This research uses a qualitative descriptive method, a data collection technique used by libraries (library research). The results of this research show that ijarah transactions are characterized by a transfer of profits. Basically, the principle of ijarah is the same as the principle of buying and selling. However, the difference is that the object of the transaction is goods, while the object of business in ijarah is services. And the law on ijarah transactions is permitted, because the services being transacted are halal services, the most important thing is that ijarah transactions must comply with clear provisions and rules that can prevent disputes between the two parties to the transaction. This only happens to Sharia banking which has its own characteristics that are different from conventional banks. The essence of sharia banking is not only seen from the absence of a usury system in all transactions but is based on Sharia principles, namely the principle of profit sharing.
Mekanisme Pembiayaan Mudharabah pada Usaha Mikro Kecil Menengah (UMKM) di BMT NU Cabang Senori Ilmiyah, Izzatul
Journal of Islamic Finance and Syariah Banking Vol. 1 No. 1 (2023): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v1i1.11

Abstract

This research discusses "Financing Mechanisms Mudharabah in Micro, Small and Medium Enterprises (MSMEs) at BMT NU Senori Branch". The aim of this research is to determine the financing mechanism mudharabah on Micro, Small, and Medium Enterprises (MSMEs) at BMT NU Senori Branch and Financing Analysis mudharabah in Micro, Small, and Medium Enterprises (MSMEs) at BMT NU Senori Branch based on DSN-MUI fatwa No.07/DSN-MUI/VI/2000. In this research, researchers used qualitative research. The research results show that the financing mechanism mudharabah At the BMT NU Senori branch is carried out in various stages, starting from the application for financing by the customer to the final stage, namely the disbursement of the funds that will be brought by the customer. And financing analysis mudharabah in Micro, Small, and Medium Enterprises (MSMEs) at BMT NU Senori Branch based on the DSN-MUI fatwa No.07/DSN-MUI/VI/2000 shows that the financing applied at BMT NU is in accordance with what has been stipulated in the DSN-MUI fatwa. It's just that there is a slight difference, namely that the DSN-MUI fatwa stipulates "the length of time the business will be carried out, the procedures for withdrawing funds, and the percentage for sharing profits agreed upon by both parties (BMT and the business manager)" whereas in reality at the BMT NU Senori branch, financing mudharabah provided by BMT NU to its customers or members, in this case including business actors, regarding the procedures for withdrawing funds determined by BMT in accordance with the ceiling size and characteristics of the financing proposed by prospective customers.
Pengaruh Keungulan Produk Tabungan Mudharabah terhadap Kepuasan Nasabah di BSI Cabang Tuban A’yun, Inarotul; Faizah, Rifatin; Fatimah, Siti
Journal of Islamic Finance and Syariah Banking Vol. 1 No. 1 (2023): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v1i1.12

Abstract

This journal discusses the advantages of mudharabah savings products on customer satisfaction at the BSI Tuban branch. The purpose of this research is to measure the influence of the superiority of mudharabah savings products at the BSI Tuban branch. This research uses a quantitative type of research. The population of this study were customers from the Tuban branch of BSI bank. The data collection technique in this research is by distributing questionnaires to customers for answers. and the data management technique in this research is to use quantitative data analysis using SPSS. Next, a classic assumption test will be carried out consisting of a normality test and a heteroscedasticity test. Next, use linear regression analysis, and hypothesis testing, t-test, coefficient of determination. The results of this research state that the superiority of mudharabah savings products has a positive effect on customer satisfaction. The research was conducted with 100 respondents from customers or service users of the Bank BSI Tuban branch. Based on data obtained from distributing questionnaires, the T-test results were 1.233 with T table 1.66023, meaning T count < T table, with a significant value of 0.228, it can be concluded that there is a significant influence on customer satisfaction.
Kepatuhan Syariah pada Restrukturisasi Sukuk: Analisis dan Implikasi Ilmiyah, Izzatul; Rosyidah, Irma; Mujib, Muhammad Abdul
Journal of Islamic Finance and Syariah Banking Vol. 1 No. 2 (2024): April
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v1i2.20

Abstract

One of the sharia financial instruments is sukuk which has the role of ownership of an asset, for this reason, sharia compliance plays an important role in discussing sharia compliance in the context of sukuk restructuring. This role is important because if there is a change in the conditions of the sukuk, the rights and obligations of holding the sukuk itself will be affected. This research uses a type of library research through theoretical, conceptual, and exploratory studies, and discussion of plans. The research results show that Sharia compliance ensures that sukuk restructuring must lead to sharia principles. Compliance is the foundation that ensures sukuk restructuring continues to run in accordance with guidelines maintains trust for investors and ensures the sustainability of the sharia financial industry. The implications of Sharia compliance on sukuk restructuring are Sharia compliance on sukuk investment, securities crowdfunding, the role of technology on crowdfunding platforms, education, and research.
Pengaruh Pembiayaan bagi Hasil terhadap Profitabilitas Unit Usaha Syariah (UUS) di Indonesia Mujib, Muhamad; Ilmiyah, Izzatul
Journal of Islamic Finance and Syariah Banking Vol. 1 No. 2 (2024): April
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v1i2.21

Abstract

 This research aims to see the correlation and influence of profit-sharing financing on the profitability of Sharia Business Units (UUS) in Indonesia. The dependent variable in this Research is Return on Assets (ROA), while mudharabah and musyarakah financing are the independent variables. This research uses secondary data obtained from Sharia banking statistics, which are accessed via the Otoritas Jasa Keuangan (OJK) website. The data analysis technique used in the research is ordinary least squares (OLS). The results of this research show that mudharabah and musyarakah financing simultaneously (as a whole) have no effect on ROA. This is proven by the prob (F-statistic) value of 0.088620. The partial test results (t-test) show that mudharabah financing has a probability value of 0.3157, which makes mudharabah financing have no effect on ROA. Meanwhile, musyarakah financing has a probability value of 0.0353, so musyarakah financing has a significant influence on ROA.
Peran Teknologi Digital dan Inovasi dalam Pengembangan Layanan Perbankan Digital: Peluang dan Tantangan di Era Society 5.0 Al Fahmi, Moh. Dhofir Jenny
Journal of Islamic Finance and Syariah Banking Vol. 1 No. 2 (2024): April
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v1i2.22

Abstract

The emergence of digital technology and innovation has made great progress towards the development of digital banking services. Technological advances mean that the banking world now uses technology-based transactions to make transactions with customers easier. This research method uses library research by collecting data and information obtained through various kinds of material contained in the literature (books). By using analytical descriptions with a qualitative approach in processing the sources. The research results show that the role of digital technology and innovation in developing digital banking services is very helpful for easy access for all parties, both from the banks themselves and also for customers. The emergence of digital banking technologies such as ATM technology, E-Banking, SMS Banking, and M-Banking has become a major change in the banking sector's transformation. Opportunities and challenges arise in terms of society, product promotion, products according to society's needs, increased internet use, growth in digital transactions, and technology adoption in the era of society 5.0. Meanwhile, there are challenges in terms of human resources, privacy security, ease of access, and literacy education for the community.
Menjelajahi Dinamika Pengambilan Keputusan Keuangan UKM: Pendekatan Kualitatif pada Aspek Kewirausahaan di Desa Glondonggede Tambakboyo A’yun, Inarotul; Rustyawati, Dian; Yuliartin, Fenti
Journal of Islamic Finance and Syariah Banking Vol. 1 No. 2 (2024): April
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v1i2.23

Abstract

This study analyzes the dynamics of financial decision-making in small and medium-sized enterprises (SMEs) using a qualitative approach that focuses on the entrepreneurial aspect in Glondonggede Village, Tambakboyo. SMEs play a vital role in the local economy, but effective and adaptive financial management remains a challenge. The entrepreneurial aspect, encompassing innovative thinking, flexibility, and a willingness to take risks, is increasingly recognized as a crucial factor in the SME financial decision-making process. This research employs a qualitative approach through in-depth interviews and content analysis to explore how entrepreneurial characteristics influence financial decision-making at the local level. The research findings reveal that owners and managers of SMEs in Glondonggede Village have a strong long-term vision related to their business goals. The entrepreneurial aspect provides them with the ability to adapt quickly to changes in the business environment and develop innovative solutions to address financial constraints. SME owners and managers also demonstrate a readiness to take measured risks to achieve long-term business objectives.
Analisis Rasio Kesehatan Kinerja Keuangan pada Koppontren Al Mubarok Lekok Kabupaten Pasuruan Abdussalam, Abdussalam; Ihsan, Moh.; Hidayatullah, Syarif
Journal of Islamic Finance and Syariah Banking Vol. 1 No. 2 (2024): April
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v1i2.24

Abstract

 This study aims to analyze the health of financial ratios in Koppontren Al Mubarok, Lekok District, Pasuruan, East Java. The methodological approach used in this research is descriptive-quantitative, using secondary data in the form of financial statements for 5 years. The analysis method used is the analysis of the health of financial performance ratios, namely the ratios of liquidity, solvency, efficiency, and profitability. The results showed that Koppontren Al Mubarok Lekok’s financial ratios were categorized as not good (unhealthy). This is indicated by the liquidity ratios (current ratio and cash ratio) and solvency ratios (debt to equity ratio and debt to asset ratio), on average, since the last 5 years from 2018–2022, are in the category of not good or unhealthy, while the efficiency ratio (Bopo) and profitability ratios (net profit margin, return on assets, and return on equity) are in the category of excellent, as referred to in the standards outlined in the Regulation of the Minister of Cooperatives and Small and Medium Enterprises (SMEs) Regulation No.06/Per/M.KUKM/V/2006 concerning health assessment of reward cooperatives.

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