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Assets Journal
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assets.journalkita@gmail.com
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Karanganyar Paiton Probolinggo
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INDONESIA
Assets Journal
Published by Al-Qalam Institute
ISSN : 30217326     EISSN : 30217318     DOI : https://doi.org/10.61987/assets
Core Subject :
An electronic journal that focuses on scientific articles resulting from research or community service that examines problems and issues related to economics and business. This journal provides an academic platform for professionals and researchers to contribute to innovative work in the fields of economics and business follows: Economy and Management; 1) Development Economics 2) Islamic Economics 3) Accounting 4) Management Economics, and other fields. Business; 1) Marketing Economics 2) Digital Marketing and other business fields and aims to publish and disseminate writings in the economics and business sciences that can contribute to the development of science.
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Articles 30 Documents
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ANALYSIS OF FINANCIAL MANAGEMENT IN AN EFFORT TO DEVELOP NURUL ABROR AL-ROBBANIYIN ISLAMIC BOARDING SCHOOL BANYUWANGI Chindy Putri
Assets Journal: Journal of Economic and Business Vol. 1 No. 01 (2023): Economic growth based on appreciation and development
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

This study aims to understand and describe how the sources of funds and managed in the Modern Islamic Boarding School of Nurul Abror Al-Robbaniyin Banyuwangi. The research method used is aqualitative approach with descriptive analysis methods and data collection techniques through interviews, observation, and documentation. Based on the research on how the sources of funds in the Modern Islamic Boarding School Nurul Abror Al-Robbaniyin, it can be concluded as follow: 1) The sources of funds for Islamic boarding schools can be broadly classified into three sources: The government funds it in the form of BOS funds, the student parents in the form of SPP, also ZISWAF, and independent business unit in the form of Toko Yayasan Nurul Abror Al-Robbaniyin. 2) The allocation of funds is according to the regulations applied through RAPBM and recorded for each transaction. 3) The form of accountability for sources of funds is well-managed because it is made in daily, monthly, and annual reports. 4) The solution to overcome the obstacles in managing the lack of funds to run the activity is utilizing first the available sources of funds, which are sufficient because at least fulfilling the minimum needs in achieving the objectives of Islamic boarding school learning activities.
FACTORS THAT INFLUENCE THE INTEREST OF STUDENTS IN SAVING AT SMK NURUL FINANCIAL INSTITUTIONS OF NURUL ABROR AL-ROBBANIYIN ISLAMIC BOARDING SCHOOL Faiqoh Nur
Assets Journal: Journal of Economic and Business Vol. 1 No. 01 (2023): Economic growth based on appreciation and development
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

Both conventional and sharia financial institutions provide saving services for customers. Various products and service systems are designed and structured by the institution in such a way as to generate public interest in saving and generate customer satisfaction. That's because saving is an important need for many people who need an agency to manage it properly. This study aims to find out what motives encourage customers to put their trust in saving a certain amount of money at the SMK NAA Financial Institution. The research methodology used in this paper is a qualitative case study approach with descriptive data. Existing data obtained from informants with sampling techniques. The results of this study indicate several factors that motivate customers to save, including: having remaining pocket money, awareness of future needs and the influence of the surrounding environment. And also shows the factors that become obstacles to saving, including: lack of promotion, poor service and economic limitations.
PARTICIPATION OF FINANCIAL INSTITUTIONS IN THE DEVELOPMENT OF NURUL ABROR AL-ROBBANIYIN ISLAMIC BOARDING SCHOOL Nur Wulandari
Assets Journal: Journal of Economic and Business Vol. 1 No. 01 (2023): Economic growth based on appreciation and development
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

This research shows that in addition to being able to help people in need by providing financing, Islamic boarding school financial institutions play a role in improving the development of Islamic boarding schools. Islamic boarding schools which are centers of education require funds for their development, one of which is infrastructure development so that educational facilities can be well received by students who aim to support students' learning at Islamic boarding schools. Efforts to have financial institutions are expected to be a solution in developing infrastructure at the Nurul Abror Al Robbaniyyin Islamic Boarding School which is the locus in this research.
IMPLEMENTATION OF WORD OF MOUTH MARKETING COMMUNICATION STRATEGIES IN MICRO SMALL MEDIUM BINGGO SCREEN PRINTING PAJARAKAN PROBOLINGGO Bashori Alwi
Assets Journal: Journal of Economic and Business Vol. 1 No. 01 (2023): Economic growth based on appreciation and development
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

The purpose of this study is to find out the procedure for implementing word of mouth marketing communication strategies in the Binggo Screen Printing Pajarakan Probolinggo business and the impact of implementing word of mouth marketing communications on business income for Binggo Screen Printing Pajarakan Probolinggo. To answer these problems, field research and descriptive qualitative approaches were used, with data collection techniques through interviews, observation, documentation and triangulation. From the results of the study it can be concluded that the application of word of mouth marketing communication strategies to micro, small and medium enterprises Binggo Screen Printing Pajarakan Probolinggo is quite good, by implementing two types of word of mouth strategies namely organic word of mouth and amplified word of mouth. The results of implementing the word of mouth communication strategy also have a good impact on revenue from Binggo Screen Printing due to the increasing number of new consumers after the implementation of word of mouth as a marketing communication strategy.
FIQIH MUAMALAH IN VARIOUS ASPECTS Luklu’ul Mutmainnah
Assets Journal: Journal of Economic and Business Vol. 1 No. 01 (2023): Economic growth based on appreciation and development
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

The term muamalah we often hear in everyday life and is usually associated with Islamic terms. Muamalah is an important thing that needs to be studied, especially economic actors among Muslims. The term muamalah is usually interpreted as a social relationship between humans. People's lives will be considered good when they can benefit others. In this case we need to learn what muamalah fiqh and the aspects in it so that we are not mistaken in carrying out economic activities that have Islamic status.
THE ROLE OF FINTECH IN INCREASING ACCESS TO ECONOMIC GROWTH FOR MARGINALIZED COMMUNITIES Sania; Diana Octavia H; Qurrota A'yun
Assets Journal: Journal of Economic and Business Vol. 3 No. 1 (2025): Economic and Menegement
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

The development of technology and information presents various service products for the community. Fintech or Financial Technology is one of the online services that currently helps the community a lot. This technology is engaged in the financial industry and economy. Various types of Fintech are present to help people's financial and entrepreneurial problems. Easy and fast systems and services, making Fintech increasingly in demand. This research and scientific study aims to identify the challenges faced by these communities and propose financial technology as an alternative. Interestingly, this Fintech system continues to increase in terms of demand. Thus, it is interesting to observe in order to find out the role and successful impact of the emergence of Fintech.
IMPLEMENTATION OF THE MUDHARABAH PRINCIPLE IN SHARIA LEASING PRODUCTS AND ITS ON ECONOMIC JUSTICE Siti Nuraini Maksum; Miswatun Hasanah; Holilah
Assets Journal: Journal of Economic and Business Vol. 3 No. 1 (2025): Economic and Menegement
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

In the Islamic economic system, one of the increasingly popular financial instruments is Islamic leasing. The principle of mudharabah, which is a form of cooperation between capital owners (mudharib) and capital managers (rabul mal), is used to ensure economic justice between parties involved in sharia leasing transactions. The purpose of this study is to see how the principle of mudharabah is applied in Islamic leasing products and how it impacts economic justice. To achieve this goal, literature, journals, and other relevant sources on the subject are collected through literature study. Studies show that the application of the principle of mudharabah in sharia leasing can benefit economic justice. First, the principle of mudharabah encourages transacting parties to reach an agreement on a fair outcome.
Building Financial Inclusion: The Role of Rural Banks and Cooperatives as Motors of Micro and Medium Economic Growth Moh. Idil Ghufron; Ariska Anggraini; Riskina Fauziyah; Holifah; Yayi Wulandari
Assets Journal: Journal of Economic and Business Vol. 2 No. 2 (2024): Education Of Economic And Financing
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

This study aims to examine the role of rural banks (BPR) and cooperatives in supporting the economic growth of the Micro, Small and Medium Enterprises (MSMEs) sector in Indonesia. The research method used is qualitative research with a descriptive approach. Data were collected through literature studies from various related literature. The results showed that MSMEs have an important role in the structure of the Indonesian economy, contributing more than 99% of GDP and absorbing most of the workforce. However, its existence also faces challenges and limitations, such as capital problems, production techniques, market share, management, and licensing. BPR and cooperatives have a strategic role in supporting the MSME economy. BPR provides funds distribution to MSMEs in the form of working capital loans, while cooperatives act as business entities consisting of individuals or legal entities with the principles of kinship and mutual assistance. Efforts to strengthen the MSME sector continue to be carried out by the government, the private sector, and the community. Collaboration between financial institutions, including rural banks and cooperatives, with Islamic economic principles has also been tested.
IMPLEMENTATION OF MUDHARABAH PRINCIPLES IN SHARIA LEASING PRODUCTS AND THEIR IMPACT ON ECONOMIC JUSTICE Siti Nuraini Maksum
Assets Journal: Journal of Economic and Business Vol. 2 No. 1 (2024): Financial Planning Analysis
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

In the Islamic economic system, one of the increasingly popular financial instruments is Islamic leasing. The principle of mudharabah, which is a form of cooperation between capital owners (mudharib) and capital managers (rabul mal), is used to ensure economic justice between parties involved in sharia leasing transactions. The purpose of this study is to see how the principle of mudharabah is applied in Islamic leasing products and how it impacts economic justice. To achieve this goal, literature, journals, and other relevant sources on the subject are collected through literature study. Studies show that the application of the principle of mudharabah in sharia leasing can benefit economic justice. First, the principle of mudharabah encourages transacting parties to reach an agreement on a fair outcome.
Pegadaian Transformation In Meeting Customer Needs Based On Sharia Finance Musthafa Syukur; Maudy Sulis Setyaningsih; Ismi Lailiyatil Wardah; Ana Sri Wulandari; Rifqoh Maulidah
Assets Journal: Journal of Economic and Business Vol. 2 No. 2 (2024): Education Of Economic And Financing
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

In this article will be explained about the pegadaian shariah and its legal basis in the Fatwa DSN-MUI. Gadai in Islam is also referred to as rahn, which means to handle a good as a guarantee on the debt transactions carried out with the principle of Shariah. This is a solution for society to meet its urgent financial needs. The transformation of custody practices in Indonesia is growing very rapidly with the increasing need of people for fast funds to meet their basic needs. This factor inspired a number of sharia banks and key words of government agencies to open mortgage services in their place.

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