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Natuja: Jurnal Ekonomi Syariah
Published by Universitas Islam Ibrahimy Banyuwangi
ISSN : 28294882     EISSN : 28293576     DOI : https://doi.org/10.69552/natuja
Core Subject : Economy,
Economics, Econometrics & Finance
NATUJA: Jurnal Ekonomi Syariah is a journal published by the Department of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia. This journal is used to provide a forum for researchers, academics, and practitioners who have an interest in conveying ideas in the field of Islamic economics. This journal encompasses original research articles, review articles, and short communications, including: Islamic Accounting, Islamic Bussines Management, Islamic Human Resource Management, Islamic Economic, Islamic Banking and Financial.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 51 Documents
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PEMBIAYAAN MURABAHAH BERMASALAH DAN MODEL PENYELESAIAN DI BMT UGT NUSANTARA CAPEM TEGALDLIMO Habibulloh Habibulloh
NATUJA: Jurnal Ekonomi Syariah Vol. 1 No. 1 (2021): (November 2021)
Publisher : Department of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia

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Abstract

This research is a qualitative research. which was held at BMT UGT Nusantara. This study aims to determine the application of murabahah financing risk management applied by BMT UGT Nusantara. While the data collection method in this study used interviews, and documentation information to obtain documents about the management of problematic financing. The data analysis methods used were interview, observation and documentation techniques. The results of the qualitative research show that the risk management system for problematic murabahah financing is to adjust or implement what is in the SOP (Standard Operating Procedure), the factors that affect non-performing financing are internal factors including employee negligence, etc., external factors include a decrease in customer income. , was hit by a disaster, and Efforts were made to save the problematic murabahah financing by using R3 (Rescheduling, Reconditioning, Restructuring) by carrying out predetermined procedures.
ANALISIS KESALAHAN MAHASISWA PERBANKAN SYARIAH IAI IBRAHIMY GENTENG DALAM MENYELESAIKAN SOAL EKONOMETRIK BERDASARKAN MODEL KASTOLAN Anis Hidayati MS; Nurul Hidayah
NATUJA: Jurnal Ekonomi Syariah Vol. 1 No. 1 (2021): (November 2021)
Publisher : Department of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia

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Abstract

This study was conducted to analyze student errors in working on econometric questions in order to facilitate the handling. The analysis used is the theory of error analysis according to Kastolan. This research was conducted using qualitative research methods with a case study approach. This research was conducted at the IAI Ibrahimy Genteng campus in Banyuwangi, on Wednesday, June 19, 2019. The research subjects in this study were students of Islamic Banking class 2006. Data were collected by observation, interviews and documentation. As for the conclusions from the research on the errors of Kastolan's theory by students, it can be seen that conceptual errors occur because students do not understand the concept of the classical assumption test. procedural errors occur as a result of a lack of understanding of the concept of the learning material, resulting in errors in carrying out the steps in working on/answering the questions given. While in technical errors, students make this error because of lack of accuracy in performing arithmetic operations. The factors that cause conceptual errors made by students are due to the lack of student knowledge about the concept of regression and classical assumptions. Factors causing procedural errors made by students are difficulties in manipulating the steps and confusion in determining the steps for working on the classical assumption test. Furthermore, the factor causing technical errors made by students is because students do not pay attention to the available time so that at the end of the exam the time is up without being able to re-check their work.
ANALISIS AKAD TANGGUNG RENTENG DALAM PERSPEKTIF MUAMALAH SYARIAH DI BADAN USAHA MILIK DESA BERSAMA SINGOLESTARI KECAMATAN SINGOJURUH Ficky Septalinda; Restu Cahya Ningrum
NATUJA: Jurnal Ekonomi Syariah Vol. 1 No. 1 (2021): (November 2021)
Publisher : Department of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia

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Abstract

This study explains the joint responsibility transactions that exist within the Joint Village Owned Enterprise (BUMDesma) Singolestari, Singojuruh sub-district. Where BUMDesma is an interesting thing to study, namely the joint responsibility system used in settling bad loans. The formulation of the problem in this research is the practice of joint responsibility and joint responsibility system in the Islamic perspective. This study uses a qualitative descriptive method with a phenomenological approach. From the results of field research, it is found that in practice the joint responsibility transaction in BUMDesma is a dependent if one of the members cannot pay at maturity by dividing the deposit amount by the number of existing members. Based on the concept, the transaction system of joint responsibility is in accordance with the kafalah contract with the type of kafalah bil-maal, which is an obligation carried out by the guarantor with payment in the form of property or money and has fulfilled the requirements and pillars of the kafalah contract. The rules for joint responsibility in BUMDesma have been written in the proposal which is clearly made and has been approved by the customer in taking credit. However, in the savings and loan program which is not in accordance with the perspective of Islamic economics, namely taking profits from savings and loans is still in the percentage of INTEREST.
PERAN LAZISNU DALAM MENINGKATKAN SOSIAL EKONOMI MASYARAKAT KECAMATAN KALIBARU KABUPATEN BANYUWANGI Balya Hidayat; Habibulloh Habibulloh; Samsuri Samsuri; Wisnu Wisnu
NATUJA: Jurnal Ekonomi Syariah Vol. 1 No. 1 (2021): (November 2021)
Publisher : Department of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia

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Abstract

One of the worships in Islam is the implementation of zakat, infaq and alms (ZIS). On the other hand, ZIZ is also an effective solution for community economic empowerment. This study aims to elaborate on the socio-economic potential and assistance of the community carried out by LAZISNU in Kalibaru District. The research method uses descriptive qualitative research with NU leaders, LAZISNU managers in Kalibaru District and the beneficiary communities as informants in the study. Data were collected by observation, interviews and documentation. The Miles and Huberman model analysis technique is used as an analytical tool. The results of this study show that the large number of Nahdiyin residents and a solid and competent management/management team have potential in the development of LAZIZNU. There are 3 excellent program models that are continuously being implemented, including: Biasiwa, NUPrenuer, and NUCare as pillars of improving the social economy of the community. In addition, the activation of the NU Deputy Branch Council at the District level, as well as the formation of new branches and UPZIS-UPZIS that can reach muzaqqi and munfiq in remote areas are efforts in institutional optimization.
PENGARUH KUALITAS LAYANAN TERHADAP LOYALITAS NASABAH PADA PEGADAIAN SYARIAH UNIT BANYUWANGI Samsuri Samsuri; Guritno Prihatmojo Wisnu Murti
NATUJA: Jurnal Ekonomi Syariah Vol. 1 No. 1 (2021): (November 2021)
Publisher : Department of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia

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Abstract

This study aims to determine whether there is an influence of service quality on customer loyalty at the Banyuwangi Syariah Pawnshop Unit. This research is a quantitative research. The population of this research is the customers of Pawnshop Syariah Unit Banyuwangi, where the sampling is 100 customers. Data was collected using a questionnaire method for service quality instruments. The analysis of the two instruments includes the analysis of validity and reliability. The data analysis method used is multiple linear regression analysis technique using SPSS 18 for windows 10. The results of the validity analysis show that from 5 variables proved valid, all of them are reliable. Judging from the acquisition of f arithmetic > f table (48.357>2.31), while the results of the regression equation y = -6.314+0.235X1+ 0.173X2+0.038X3+0.129X4+0.165X5 and the results of the t-test of 4 variables obtained t-count > t- table (3.131, 2.151, 2.667, 3.221 >1.98552) and 1 variable that results in t count < t table (0.623 <1.98552) it can be seen that there are 4 variables that affect customer loyalty and 1 variable does not affect customer loyalty. The influence is included in the very strong category obtained from the multiple correlation coefficient data of 0.849, which is between the values ​​of 0.800-0.999. And it means Ha is accepted and Ho is rejected. Thus, it can be concluded that there is an influence of service quality on customer loyalty at the Banyuwangi Syariah Pawnshop Unit.
PENERAPAN KARAKTERISTIK MANAJEMEN RISIKO DALAM MEMINIMALISIR RISIKO KREDIT MACET PADA TOKO BAJU KREDIT RUMAHAN DI DESA ALASPANDAN: Penerapan karakteristik manajemen risiko dalam meminimalisir risiko kredit macet pada toko baju kredit rumahan di desa Alaspandan Putri Nur Afrida
NATUJA: Jurnal Ekonomi Syariah Vol. 1 No. 2 (2022): (Mei 2022)
Publisher : Department of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia

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Abstract

There are several purposes in this article, the first aims to find out what are the factors that lead to bad credit at the Home Credit Clothing Store. The second aims to provide an overview of the application of risk management in minimizing the risk of bad clothes credit at Alaspandan Pakuniran Home Credit Clothing Stores. This article uses a qualitative approach research, because the research is based on the discovery of a social phenomenon or human problem that is currently happening. The study was conducted at the residence and location of the home credit clothing store business owner located in Alaspandan Pakuniran Village, Probolinggo Regency, East Java Province. The results show that if the character and business of the buyer of credit clothing is good, it will reduce the risk of bad credit. Therefore, in deciding the provision of clothing credit by the owner of the Home Credit Clothing Store, a more thorough analysis should be carried out.
PENGARUH STRATEGI BISNIS DAN KEUNGGULAN BERSAING TERHADAP KINERJA PEMASARAN PADA USAHA KECIL MENENGAH SONGKOK “UDENG BALI” GENTENG BANYUWANGI Ach Hasan Hasyim
NATUJA: Jurnal Ekonomi Syariah Vol. 2 No. 1 (2022): (November 2022)
Publisher : Department of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/natuja.v2i1.1350

Abstract

The tight competition in the business world, makes SMEs must have a business strategy and competitive advantage, both in knowledge and enterpeneurship ability, the creation of a sustained competitive advantage will create superior marketing performance acceptable to consumers. This study examines the influence of business strategy and competitive advantage on the marketing performance of MSMEs songkok "udeng Bali" in Genteng Banyuwangi district. With quantitative research methods, through an explanatory research approach, with the type of survey research research, the determination of sapel with Non Probability Sampling as for the most suitable is saturated sampling of 20 MSMEs, data analysis using t test (partial), F test (simultaneous) and R2 test using SPSS analysis tool. The results showed that the business strategy (X1) had a significant effect on the marketing performance of SME Songkok "Udeng Bali" Banyuwangi Tile, where the value (Standardized Coefficients) was positive at 0.480 with a Sig. of 0.009 ≤ 0.05. The competitive advantage (X2) is significant to the marketing performance of SME Songkok "Udeng Bali" Genteng Banyuwangi, where the value (Standardized Coefficients) is positive 0.480 with Sig. of 0.009 ≤ 0.05. Business strategy (X1) and competitive advantage (X2) have a significant effect on the marketing performance of SME Songkok "Udeng Bali" Banyuwangi Tile, with a calculated F value of ≥ F table of 17,879 ≥ 3.55 with Sig. By 0.000 ≤ 0.05.
MEMAHAMI MANAJEMEN RISIKO SERTA LANDASAN HUKUM DALAM AGAMA Uswatun Hasanah; Jamilatul Mahya
NATUJA: Jurnal Ekonomi Syariah Vol. 2 No. 2 (2023): (Mei 2023)
Publisher : Department of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/natuja.v2i2.1374

Abstract

In this article, the author intends to explain a little about learning about risk management. Also to get maximum and sustainable benefits in risk management. Which is the implementation of several management functions in risk management, especially the risks faced by an organization/company. Therefore, risk management can be said as a comprehensive set of policies and procedures that an organization has to manage, monitor and control risks that may arise. So that it can find good specifications in potential losses, evaluate potential losses, and choose the right technique/way to determine a combination in achieving the goals of an organization/company. In order to also be able to know the legal basis of risk management in overcoming an organization/company. Islam views risk as suffering, which is undesirable for its own sake. Suffering is desirable only when it contains benefits that outweigh the costs associated with suffering, or in other words, risk is desirable only when it can be a stimulus to productive endeavors and activities that add value. Islam also links risk with luck. So, if luck is associated with obtaining sustenance, then there are ten keys to unlocking sustenance according to the Qur'an and Al-Sunnah that should be lived and believed so that a person gets good luck and obtains sustenance that is lawful and good and blessed, as Allah says.
PENGARUH PENGETAHUAN DAN RELIGIUSITAS SISWA TERHADAP MINAT MENABUNG DI BANK MINI SYARIAH SMK BUSTANUL FALAH BANYUWANGI Yeni rokhilawati; Rani Safitri
NATUJA: Jurnal Ekonomi Syariah Vol. 1 No. 2 (2022): (Mei 2022)
Publisher : Department of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia

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Abstract

Bank Mini Syariah SMK Bustanul Falah Is One of the Sharia Banks in SMK Bustanul Falah Banyuwangi and Which cooperates with Bank Syariah Indonesia which is usually referred to by the term (BSI), which operates with sharia principles that have a vision and mission that is to become a Sharia Bank to be the choice with the best service for customers, forming professional and trusted human resources. The main problem faced by Bank Mini Syariah SMK Bustanul Falah about the factors of knowledge and religuity of students towards saving interest. Because the interest in saving students is very little and that affects the limitations of knowledge such as performance, benefits, procedures and factors that affect students' interest in using Islamic Mini Bank products either directly or indirectly, namely the existence of religious factors or religion contained in students and students, Therefore religiosity is a spiritual value of a person in practicing the religious sharia that he believes in its use. This research includes a type of Quantitaf research where the quantitative type is a type of research in the form of numbers to test a hypothesis. The population in this study is students and students of Bustanul Falah Banyuwangi Vocational School. Using Purposive Sampling techniques, 86 students were sampled. While the data collected using questionnaires with a likert scale. Hypothesis testing is carried out by multiple linear regression analysis. The results showed that Knowledge had a positive effect on saving interest in The Mini Bank of SmK Bustanul falah, because this was obtained from the calculation of Test T, namely the value of t counting > t table (2,996 > 1,662). So H0 was rejected and Ha was accepted, so it can be concluded that knowledge affects the interest in saving in the Bank Mini sharia SMK Bustanul falah, Because this is obtained from the calculation of Test T, namely the value of t count > t table (5,418 > 1,662). So H0 was rejected and Ha was accepted, so it can be concluded that Religuity affects saving interest. So it can be concluded that knowledge and religiosity together have a significant influence on saving interest. So, when the Islamic Mini Bank will increase interest in saving, both variables both knowledge and religuity must be equally considered to achieve the desired goal. Because both have their own influence on saving interest in BankMini Syariah SMK Bustanul Falah Banyuwangi.
STRATEGI PENERAPAN BMT UGT SIDOGIRI CABANG PEMBANTU SONGGON TERHADAP PEREKONOMIAN MASYARAKAT DESA SONGGON KECAMATAN SONGGON KABUPATEN BANYUWANGI Edy Imam Supeno; Noval mohamad Rofik
NATUJA: Jurnal Ekonomi Syariah Vol. 1 No. 2 (2022): (Mei 2022)
Publisher : Department of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia

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Abstract

The development of the shari'ah financial industry has informally begun before the issuance of a formal legal framework as the operational foundation of Islamic banking in Indonesia. This research uses normative approach methods which means in discussing this research problem using materials related to the title of the study, both written and unwritten. The data and data sources required in this study are primary data and secondary data. Material analysis uses descriptive analysis. The results showed that the creation of various financial services that became the needs of society in general. Such as deposit products, loans, online payment services, and so on. The products used are also based on the Quran and The Hadith which certainly provides enormous benefits for the lives of all people. Because, in the use of the products offered, there is no interest (usury) to take advantage of customers. All that is used is the revenue sharing (mudharabah) between customers and BMT self-sufficient.

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