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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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Manajemen Operasional Masjid Namira Lamongan sebagai Aset Wakaf Ilmiyah, Izzatul; Zaman, Badaruz
Journal of Islamic Finance and Syariah Banking Vol. 2 No. 1 (2024): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v2i1.53

Abstract

The research entitled "Operational Management of the Namira Lamongan Mosque as a Waqf Asset" is the result of qualitative research that aims to answer the question of how Naẓir's strategy in operational management is implemented at the Namira Mosque as a waqf asset in the form of a mosque to make the mosque prosperous. and what impact the implementation of operational management will have on the congregation and community. The research results show that the naẓir strategy in operational management implemented by the taker of the Namira Mosque is modern mosque operational management which is implemented through three areas, namely Idarah, Imarah, and Ri'yah. Idarah is the function of mosque management, which is related to all mosque operational activities. Imarah is the function of prospering the mosque as the function of the mosque is the function of worship, and Ri'yah is the function of maintaining the mosque's assets. Namira Mosque is one of the mosques that has various programs for its congregation, guaranteed cleanliness, and good facilities, thereby increasing comfort in worship. Therefore, the Namira Mosque is always busy with visitors, of course, this cannot be separated from how the mosque takmir manages the assets of the Namira Mosque so that the benefits can be felt by the congregation directly. The impact of implementing the Nazir strategy in operational management can be felt directly by the congregation through the various facilities and programs available at the Namira Mosque. The suggestion for future researchers is to research more deeply regarding the operational management of waqf assets, especially waqf assets in the form of mosques. Because many mosques still have waqf status but do not have a modern mosque management system for managing their waqf assets, the function of the mosque cannot be carried out optimally.
Tinjauan Yuridis terhadap Implementasi Fatwa DSN-MUI Mengenai Pembiayaan Murabahan dalam Praktik Perbankan Syariah di Indonesia Muiz, Abdul
Journal of Islamic Finance and Syariah Banking Vol. 2 No. 1 (2024): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v2i1.54

Abstract

The development of sharia banking in Indonesia has shown significant progress in the last few decades, with murabahah financing as one of the superior products in great demand by the public. This financing is considered easy and by Islamic economic principles, offers a solution for customers to obtain goods or services without having to pay in cash. The Fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) plays an important role as a guideline in the implementation of murabahah products, ensuring that transactions are carried out transparently and fairly, under the provisions. This research uses a descriptive qualitative approach to analyze the implementation of the DSN-MUI fatwa regarding murabahah financing in Sharia banking practices. The research results show that although the DSN-MUI fatwa provides a clear legal framework, challenges in harmonizing the provisions of the fatwa and existing regulations are still an obstacle in the implementation of murabahah financing. Therefore, understanding and compliance of Sharia financial institutions with Sharia principles, as well as the role of the Sharia Supervisory Board (DPS) in supervision, is very important to maintain the integrity and trust of the public in Sharia banking products.
Analisis Peran Bank Syariah dalam Mendukung Perekonomian Desa di Bojonegoro Fahmi , Moh Dhofir Jenny Al
Journal of Islamic Finance and Syariah Banking Vol. 2 No. 1 (2024): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v2i1.55

Abstract

This study examines the influence of Syariah Bank on the rural economy in Bojonegoro through a literature review. The review compiles data on Syariah Bank's contributions to rural economic growth, with an emphasis on financial accessibility and empowerment aligned with Syariah principles. The findings reveal that Syariah Bank significantly enhances community welfare and stimulates local economic progress by offering financial services rooted in ethical values and justice. These banks play a crucial role in overcoming major issues faced by local farmers, such as limited capital, technology, and market access. Through inclusive financial services, Syariah Bank helps farmers boost their productivity and increase the value of their agricultural products. Moreover, the research shows that Syariah Bank generates new business opportunities for village communities, thereby bolstering the local economy. The adherence to Syariah principles in their operations ensures transparency and fairness in financial dealings, thereby enhancing public trust in these institutions. This study contributes to a deeper understanding of how Syariah-based financial institutions can effectively strengthen the rural economy in Bojonegoro, fostering more inclusive and sustainable opportunities for residents. The findings are intended to inform policy decisions that further support rural economic development through Syariah-compliant financial approaches.
Inovasi Produk Perbankan Syariah dalam Menjawab Kebutuhan Masyarakat Modern Ihsan, Moh.
Journal of Islamic Finance and Syariah Banking Vol. 2 No. 1 (2024): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v2i1.56

Abstract

Rapid developments in the global economy have spurred Islamic banking to continuously innovate in providing products that are responsive to the needs of modern society. This article explores various product innovations in Islamic banking, including syndicated financing, trade finance, wealth management products, start-up financing, and business development. Syndicated financing emerges as an effective solution for large-scale projects requiring substantial funding, guided by principles of justice and sustainability. Meanwhile, trade finance offers financial instruments that facilitate international trade following Sharia principles. Wealth management products and start-up financing provide impetus for wealth management and initial funding for new businesses, based on principles of equity and shared risk. Moreover, innovative business development strategies expand the scope of Islamic banking services and strengthen its position in an increasingly competitive global market. The article also examines the positive impact of Islamic banking product innovations on financial inclusion and sustainable economic growth. By analyzing successes and challenges, this article provides deep insights into how innovations in Islamic banking products not only meet the demands of modern society but also reinforce the integrity and values underlying Sharia principles.
Perlindungan Konsumen dalam Industri Halal: Tinjauan UU No. 8 Tahun 1999 dari Perspektif Hukum Islam Wahab, Fatkhul; Ihsan, Moh.
Journal of Islamic Finance and Syariah Banking Vol. 2 No. 1 (2024): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v2i1.57

Abstract

Consumer protection in the halal industry is an increasingly important issue as the sector grows in the global market. This article discusses the challenges faced in the implementation of consumer protection regulations, particularly concerning compliance with halal standards. Despite the existence of the Consumer Protection Law (UUPK), many industry players have not fully complied with its provisions, to the detriment of consumers. From the perspective of Islamic law, consumer protection is not only concerned with legal aspects but also with business ethics and morality, where the principles of fairness, responsibility, and transparency are important cornerstones. This article also highlights the role of the government and relevant agencies in ensuring compliance with halal standards and the protection of consumer rights. Through this study, it is hoped that a comprehensive solution can be found to improve consumer protection in the halal industry, by the principles of Islamic law. This study recommends increased supervision, law enforcement, and education to the public to strengthen the position of consumers against business actors.
Analisis Persepsi Dosen terhadap Implementasi Perbankan Syariah dalam Kurikulum Pendidikan Tinggi (Studi Kasus Dosen Perbankan Syariah STAI Senori Tuban) Mujib, Muhammad Abdul
Journal of Islamic Finance and Syariah Banking Vol. 2 No. 1 (2024): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v2i1.58

Abstract

This research aims to explore the role of lecturers in developing the Sharia banking curriculum at STAI Senori Tuban, with a focus on the relevance and adaptability of the curriculum to industry needs. It is hoped that actively involving lecturers in the curriculum development process can improve the quality of education, prepare students to face challenges in the world of work and contribute to the growth of the sharia banking sector in Indonesia. Using a qualitative approach with a case study method, data was collected through interviews with 5 lecturers who taught Sharia banking courses. The research results show that although there is a positive perception of the curriculum, challenges such as a lack of references and training for lecturers still hinder teaching effectiveness. Lecturers also emphasized the importance of collaboration with industry to increase the relevance of the curriculum. This research recommends developing a curriculum responsive to industry changes and increasing lecturer involvement in the curriculum update process so that graduates can compete in an increasingly competitive job market. Thus, this research provides valuable insights for developing sharia banking in higher education in Indonesia.
Pengaruh Good Corporate Governance terhadap Kinerja Lembaga Wakaf di Indonesia Setiawan, Nanang
Journal of Islamic Finance and Syariah Banking Vol. 2 No. 1 (2024): October
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v2i1.59

Abstract

Amid the growing focus on transparency and accountability in the management of waqf institutions in Indonesia, implementing Good Corporate Governance (GCG) has become crucial for ensuring optimal and sustainable performance. This study aims to examine the influence of GCG on the performance of waqf institutions in Indonesia. The data for this research were collected through questionnaires distributed to Waqf Nazhir under the supervision of the Indonesian Waqf Board (BWI). A total of 125 waqf Nazhir participated in the survey. The results show that GCG significantly impacts the performance of waqf institutions in Indonesia. This study provides empirical evidence that implementing GCG principles can significantly enhance the performance of waqf institutions, thereby contributing to more effective and transparent waqf asset management. The findings offer valuable insights for waqf managers on the importance of GCG and can serve as a reference for the BWI and policymakers in formulating guidelines and policies that support better governance of waqf institutions in the future.
Analisis Keterlibatan Dosen dalam Program Tabungan Haji Berbasis Potongan Gaji di Bank Syariah Indonesia Ilmiyah, Izzatul
Journal of Islamic Finance and Syariah Banking Vol. 2 No. 2 (2025): April
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v2i2.73

Abstract

This study aims to analyze the involvement of lecturers in the salary-deduction-based hajj savings program at Bank Syariah Indonesia (BSI), with a case study at the Islamic College (STAI) Senori Tuban. This program is designed to help employees, especially lecturers, in planning the hajj pilgrimage through an automatic monthly salary deduction scheme. This study uses a qualitative approach with a case study method, where data is obtained through in-depth interviews, direct observation, and relevant documentation. The research subjects consisted of lecturers who participated in the program, lecturers who had not participated in the program, and campus officials involved in financial administration. The results of the study indicate that the level of lecturer involvement in this program is still relatively low. The main driving factors for lecturer involvement are religious motivation and the ease of the autodebit system which makes it easy for them to save in a disciplined manner without having to make manual deposits. However, there are a number of inhibiting factors, such as financial limitations faced by most lecturers, especially those with contract or honorary status, and low sharia financial literacy which causes a lack of understanding of the contract mechanism in the hajj savings program. This study recommends strategies to increase participation through incentives, socialization and education of Islamic finance, and flexibility in determining the amount of salary deductions. Thus, it is expected that lecturers' participation in this program can increase, along with strengthening Islamic financial planning in the Islamic education environment. These findings can also be a reference for other institutions in implementing similar programs to support the spiritual and economic welfare of educators
Revolusi Digital Perbankan Syariah: Mendorong Inovasi Keuangan Islam di Indonesia Wahab, Fatkhul; Ihsan, Moh.
Journal of Islamic Finance and Syariah Banking Vol. 2 No. 2 (2025): April
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v2i2.74

Abstract

The digital revolution in the Islamic banking sector in Indonesia marks a pivotal transformation from conventional service models to technology-driven, Sharia-compliant financial solutions. This article explores how digital innovation fosters the development of Islamic financial services in Indonesia. Utilizing a qualitative-descriptive approach, this research examines the integration of digital platforms, including mobile banking, fintech sharia, and blockchain, in creating inclusive and transparent Islamic financial ecosystems. The study also highlights the role of regulatory support from financial authorities in accelerating digital adaptation while maintaining Sharia compliance. Key findings indicate that digital transformation not only enhances service efficiency but also expands access to Sharia-compliant finance, particularly for the digitally literate younger generation. However, challenges remain in terms of infrastructure gaps, digital literacy, and the need for standardized Sharia governance frameworks in digital platforms. This paper concludes that the synergy between technology and Islamic values provides a strategic opportunity for Indonesia to lead in global Islamic financial innovation.
Analisis Dampak Regulasi dan Kebijakan terhadap Pertumbuhan Green Sukuk dalam Portofolio Perbankan Syariah Ihsan, Moh
Journal of Islamic Finance and Syariah Banking Vol. 2 No. 2 (2025): April
Publisher : Program Studi Perbankan Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jifsb.v2i2.75

Abstract

This study analyzes the relationship between Islamic financial regulatory policies and the growth of Green Sukuk instruments in Islamic banking portfolios. Using a qualitative descriptive approach through literature study, the research evaluates how existing regulatory frameworks affect the adoption and development of Green Sukuk as sustainable financing instruments within the Islamic banking system. The analysis results indicate that the implementation of policies supporting green investments, clarity of regulatory frameworks for sustainable financial instruments, and relevant fiscal incentives play significant roles in enhancing Green Sukuk portfolios in Islamic banking. This research contributes important insights for developing more effective policies to encourage sustainable financing through Islamic instruments

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