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Tasharruf : Journal of Islamic Economics and Business
Published by Universitas Nahdlatul Ulama Pasuruan
ISSN : 29621836     EISSN : 29628407     DOI : https://doi.org/10.55757/tasharruf
Core Subject : Economy,
Economics, Econometrics & Finance
Tasharruf : Jurnal Ekonomi dan Bisnis Islam , (P-ISSN : 2962-1836 , E-ISSN : 2962-8407 ) diterbitkan dua kali setahun (Mei dan November) oleh Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan. Jurnal ini berfungsi sebagai media untuk mengeksplorasi pemikiran kritis tentang isu-isu Ekonomi dan Bisnis Islam. Terbuka untuk semua akademisi, praktisi, intelektual, dan mahasiswa dengan spesifikasi studi Ekonomi Islam. ide-ide yang meliputi artikel penelitian, ide konseptual, tinjauan literatur, dan pengalaman praktis. Ruang lingkup Tasharruf : Jurnal Ekonomi dan Bisnis Islam terbatas pada ekonomi Islam, perbankan dan keuangan Islam, manajemen ekonomi Islam, hukum ekonomi Islam, manajemen Zakat , Infaq , Shodaqoh, dan Wakaf, kewirausahaan dan bisnis Islam, pemikiran ekonomi Islam, asuransi Islam, akuntansi Islam.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 46 Documents
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Tingkat Pemahaman Produk, Difirensiasi, Dan Kualitas Sumberdaya Manusia Atas Keputusan Nasabah Perbankan Syariah Firman, Rachmad Nor; Pertiwi , Novi Dian
Tasharruf : Journal of Islamic Economics and Business Vol. 2 No. 1 (2021): Tasharruf : Journal of Islamic Economics and Business (Mei)
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v2i1.73

Abstract

The growing growth of the banking industry creates increasingly fierce competition between the Islamic banking industry, so that it will make consumers have many alternative choices before deciding which bank to go to to conduct Islamic banking transactions. This study aims to reveal the level of understanding of the quality of customer human resources on customer decisions, perceptions of product differentiation on customer decisions. This study uses qualitative research, data collected by means of interviews (interviews), observation, documentation and then analyzed by descriptive analysis method. The research results prove that customer perceptions of product differentiation, level of product understanding, and quality of human resources have a positive influence on customer decisions in Islamic banking. use the services of Islamic banking.
Optimalisasi Pengelolaan Wakaf Uang oleh Lembaga Keuangan Syariah – Pengelola Wakaf Uang di Indonesia Yusuf, Yusuf; Hidayatullah, Syarif; Indrawan, Surya
Tasharruf : Journal of Islamic Economics and Business Vol. 2 No. 1 (2021): Tasharruf : Journal of Islamic Economics and Business (Mei)
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v2i1.74

Abstract

Islamic financial institutions that manage cash waqf are expected to be able to manage these assets in order to provide benefits in the form of welfare to the people. This study aims to analyze the management of waqf money made by Islamic financial institutions that earn mandate from the Ministry of Religion as the manager of cash waqf in Indonesia to date. This qualitative descriptive research was written based on on the literacy study. The conclusion of the research is that Islamic financial institutions – cash waqf managers need to optimize the management of cash waqf to developed in the form of Islamic banking products that are more welfare to society
Analisis Manajemen Risiko Likuiditas Dimasa Pandemi pada lembaga Keuangan Mikro Syariah: (Studi Kasus BMT Maslahah) Bakhri, Saiful; Alwi, Muhammad
Tasharruf : Journal of Islamic Economics and Business Vol. 2 No. 1 (2021): Tasharruf : Journal of Islamic Economics and Business (Mei)
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v2i1.75

Abstract

In contrast to banking-based financial institutions, regulations or regulations governing risk management and supervision of Islamic microfinance institutions with cooperative legal entities (BMT) are still minimal and still very weak. BMT as a microfinance institution only relies on internal regulations. This study aims to determine the implementation of liquidity risk management in BMT Maslahah. This study concluded that liquidity risk management at BMT Maslahah is managed professionally and neatly with layered supervision. the risk management process includes identification, measurement, monitoring and control carried out systematically with good risk management standards
Hubungan Antara Faktor Lingkungan Usaha Dengan Keberhasilan Kinerja Koperasi C, Nailatul Khoiriyah; Nisa’, Khoirun
Tasharruf : Journal of Islamic Economics and Business Vol. 2 No. 1 (2021): Tasharruf : Journal of Islamic Economics and Business (Mei)
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v2i1.76

Abstract

This research is descriptive research, while the method used is the survey method at the Tani Sadar cooperative and the Gunung Madu cooperative. In this study, 20 samples were used for each cooperative which were determined based on simple random sampling. Data analysis used descriptive analysis and analysis tables. The results in this study are as follows: 1) The condition of the business environment of the Tani Sadar cooperative and the Gunung Madu cooperative has a medium category 2) the successful performance of the Tani Sadar cooperative and the Gunung Madu cooperative has a category 3) there is a tendency of the relationship between the business environment and the successful performance. Suggestions that can be given regarding this research are: 1) the government and NGOs as facilitators, must support and develop cooperatives to be independent so that cooperatives do not always depend on facilitators. With the existence of independence, the cooperative will exist. 2) The management of the cooperative must often conduct counseling to its members, this is to create a sense of trust in the members of the cooperative so that members will participate more often in activities. 3) cooperatives must be more open to their members so that members will feel confident in the cooperative
Strategi Distribusi Zakat Laznas Yatim Mandiri Melalui Program Pemberdayaan Ekonomi (Studi Pada Lembaga Amil Zakat Nasional Yatim Mandiri Kepanjen) Rizal, Rizal; Saputra, Prayogi R.; Tiasari, Fiika
Tasharruf : Journal of Islamic Economics and Business Vol. 2 No. 1 (2021): Tasharruf : Journal of Islamic Economics and Business (Mei)
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v2i1.77

Abstract

Poverty is a common problem in every country. Meanwhile, zakat is one of the instruments Islamic public finance, one of which is as a medium for distribution of wealth and alleviation poverty. Yatim Mandiri is one of the amil zakat institutions that manages zakat which is has an economic empowerment program through the Bunda Mandiri Sejahtera (BISA) program. Study it focuses on the CAN program. This study uses a qualitative method with a approach descriptive technique where the data found are presented and then analyzed. This research held at LAZNAS Yatim Mandiri. The results of this study indicate that the distribution strategy Zakat Yatim Mandiri uses two methods, namely, the consumptive method, and the productive  method. Fund distribution zakat through the Bunda Mandiri Sejahtera economic empowerment program  by providing loans Revolving capital has a positive impact on the business development of  program participants
Pengelolaan Tanah Wakaf Masjid terhadap Pengembangan Usaha Produktif dalam Tinjauan Ekonomi Islam Rozi, A.Fahrur; Basuki, Hari; Sukowati, Armeita Anik
Tasharruf : Journal of Islamic Economics and Business Vol. 2 No. 2 (2021): Tasharruf : Journal of Islamic Economics and Business (November)
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v2i2.78

Abstract

Waqf land management for productive business is a very important thing beneficial for the benefit of the people, starting from the management of productive businesses for facilities worship, education and so on that are still minimally empowered to the maximum. Implementation of waqf land management for productive businesses in village mosques Pagedangan, Turen Malang District, is still simple and traditional. This can seen from the productive waqf assets that grow and develop which are only managed by nazhir sticks to rigid business, lacks innovation, and is a job by-products that are social or voluntary as well as productive waqf assets that grow and Growing is a simple business with little risk. This research conducted in Al-Falah and Baiturrahman mosques. The population in this study amounted to 2 mosques, especially who run productive waqf.
Faktor dan Dampak TKW Terhadap Kondisi Sosial Ekonomi Keluarga Petani C, Nailatul Khoiriyah; Mardia, Konita
Tasharruf : Journal of Islamic Economics and Business Vol. 2 No. 2 (2021): Tasharruf : Journal of Islamic Economics and Business (November)
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v2i2.79

Abstract

Poverty is a global problem, often associated with needs, difficulties and deficiencies in various living conditions, especially in the agricultural sector. The picture of material shortages which usually includes daily needs for food, clothing, housing, and health services. The problem of poverty in rural areas is more commonly found in dry land-based areas, and the symptoms of poverty are caused, among others, by the relatively less natural carrying capacity, Socio-economic infrastructure is not evenly distributed and institutions have not yet reached the local community and the quality of human resources is still relatively low. This study aims to describe: (1). What are the factors that cause peasant women to become migrant workers abroad, (2). Describe the impact of international migration of female workers (TKW, on the socio-economic conditions of the farming families left behind, while the TKW is abroad, 3) Describe the impact of international migration of female workers (TKW), on the socio-economic conditions of farming families, after TKW returns to their home area The results of this study are as follows: the study shows there are (1) factors that influence respondents to make international migration which are grouped into three parts, namely: personal factors, push factors, pull factors. The amount of remittance contributions for basic household needs. The chosen business capital is trading or opening a shop, while savings or savings are in the form of jewelry because according to them jewelry is also useful to show prestige in society.
Analisis Faktor yang Mempengaruhi Peningkatan Nasabah di Bank BTN Syariah Kota Pasuruan dimasa Pandemi Firman, Rachmad Nor; Ilfiah, Siti
Tasharruf : Journal of Islamic Economics and Business Vol. 2 No. 2 (2021): Tasharruf : Journal of Islamic Economics and Business (November)
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v2i2.80

Abstract

The current condition of the corona pandemic in indonesia has been running for almost a year, of course, people want to have this pandemic over quickly. However, when the situation has not improved as before and is still required to undergo new normal activities. This pandemic has changed our behavior in carrying out daily activities, including in terms of the world of work. Employed performance will greatly affect the progress of the company and its customers. Good performance will result in good business development of this company. On the contrary, poor performance will also have a bad impact on the company. Therefore, to support good performance it is necessary to increase the target customer. The purpose of this study is to analyze the effect on increasing BTN Syariah customers during the pandemic. The research method used uses quantitative descriptive. The results showed that the work environment has a positive influence on customers, especially customers will be a affaected by products in BTN Syariah Pasuruan City, one of which is he deposit savings product whose distribution for the results is higher. BTN Syariah continues to increase its target from month to month even to the point of having a target by increasing the realization of cunsumer financing 0 to 28,690 M as of December 31,2021.
Analisis Peningkatkan Pendapatan Fee Based Income dengan Penggunaan Aplikasi Mobile Studi Kasus Pada KSPPS BMT UGT Nusantara Bakhri, Saiful; Fatah, Muchamad Iqbal; Hanum, Fatmah
Tasharruf : Journal of Islamic Economics and Business Vol. 2 No. 2 (2021): Tasharruf : Journal of Islamic Economics and Business (November)
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v2i2.81

Abstract

Cooperatives have the opportunity to empower their members who have businesses such as basic food traders, street vendors, and other tradesmen, to be able to offer PPOB payment services owned by cooperatives. The type of research used in this study is a qualitative method. From the results of research that has been done, there are factors that influence members in using the UGT Mobile application because it is easier to use than mobile banking in a number of banks, safer because it is easy to communicate and handle complaints, feel ownership because as a member is also the owner of a cooperative. BMT UGT members are less than optimal in using the UGT Mobile application due to lack of knowledge about the UGT Mobile application. The increase in fee-based income for BMT UGT is less than optimal due to the lack of maximum socialization of Mobile UGT to members of BMT UGT and the lack of equal distribution of employee knowledge in terms of the benefits of the Mobile UGT application
Analisis Pemenuhan Modal Minimum (Capital Adequacy Ratio ) dan Pendapatan Bagi Hasil Pembiayaan Mudharabah terhadap Tingkat Pengembalian Aset (Return on Asset): (Studi Kasus pada Bank Mandiri Syariah Tahun 2019) Yusuf, Yusuf; Reswanti, Dian Endah; Wulandari, Siti Pamrih Anjas
Tasharruf : Journal of Islamic Economics and Business Vol. 2 No. 2 (2021): Tasharruf : Journal of Islamic Economics and Business (November)
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v2i2.82

Abstract

This research aim to to analyse influence of variable Capital Adequacy Ratio and earnings of defrayal sharing holder mudharabah to asset rate of return ( Return On Assets). In this research of data the used is data sekunder in the form of financial statement PT. Bank Mandiri Syariah from January up to December 2019. Technique analyse the data in descriptive research type kuantitaif this use the classic assumption test, significance test parsial and simultan, and also doubled linear regression test. Pursuant to examination result to Capital Adequacy Ratio and factor earnings of defrayal sharing holder mudharabah express that Variabel Capital Adequacy Ratio don't have the influence signifikanly to storey level Return on Asset, earnings of defrayal sharing holder mudharabah have the influence signifikan to storey level Return on Asset, variable earnings of sharing holder mudharabah and capital adequacy ratio concurrently ( simultan) can have an effect on signifikanly to storey level Return on Asset

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