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Pengaruh CAR, NPF dan FDR Terhadap Pembiayaan Murabahah pada Bank Umum Syariah di Indonesia (Studi Kasus pada Bank Mandiri Syariah, Bank BNI Syariah dan Bank BRI Syariah Triwulan I-IV Tahun 2015-2019) Nunuk Nafidzatun Nafiah; Mifta Hulaikhah; Ahmat Arif Syaifudin
JES (Jurnal Ekonomi Syariah) Vol 5, No 2 (2020): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (382.768 KB) | DOI: 10.30736/jesa.v5i2.94

Abstract

The study aims to analyze the effect of CAR, NPF, FDR to mura>bah}ah financing on Islamic commercial banks simultaneously and partially. The dependent variable in this study is mura>bah}ah financing. The independent variables are CAR, NPF, FDR. The research of mura>bah}ah financing using a quantitative approach. The research population includes all registered Islamic banking in the Bank Indonesia period 2015-2019. The sample was determined by purposive sampling technique. The data used in this study are quarterly financial statement data three Islamic banks in Indonesia period 2015-2019. The method of analyzing data used multiple linear regression. The results of this study indicate that the partially capital adequacy ratio (CAR) variable significantly negative effect on mura>bah}ah financing with value sig. 0,0000 < 0,05. Non performing financing (NPF) variable significant negative effect on mura>bah}ah financing with value sig. 0,003 < 0,05. Financing deposit ratio (FDR) variable significant negative effect on mura>bah}ah financing with value sig. 0,0000 < 0,05. The results of this study indicate that capital adequacy ratio (CAR), non performing financing (NPF), and financing deposit ratio (FDR) variable effect simultaneously to  mura>bah}ah financing variable with value sig. 0,0000 < 0,05. Keywords: capital adequacy ratio; non performing financing; financing deposit ratio; mura>bah}ah financing
Pelatihan Digital Marketing Dalam Meningkatkan Omset Pedagang Tradisional Hulaikah, Mifta; Zulianto, Aris; Mufidah, Eryul; Farikha, Naela
Al-Madani: Jurnal Pengabdian Pada MAsyarakat Vol 2 No 1 (2023): JUNI: Al-Madani (Jurnal Pengabdian Pada Masyarakat)
Publisher : Institut Agama Islam Hamzanwadi NW Pancor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/al-madani.v2i1.954

Abstract

Perekonomian menjadi salah satu sektor yang terdampak akibat pandemi Covid-19. Sektor perekonomian menunjukkan penurunan yang signifikan selama pandemi sehingga membutuhkan waktu cukup lama untuk bisa kembali stabil. Hal ini juga dialami oleh pelaku usaha khususnya para pedagang yang ada di desa Simorejo-Kabupaten Bojonegoro. Hal tersebut diakibatkan oleh kurangnya wawasan mereka tentang pemasaran online atau lebih dikenal dengan digital marketing, sehingga mereka hanya mengandalkan penjualan secara offline. Dari permasalahan tersebut penelitian kami bertujuan memberikan penyuluhan dan pembinaan kepada pedagang di Simorejo tentang pentingnya digital marketing untuk meningkatkan penjualan mereka. Dalam penelitian ini kami menggunakan metode penelitian kualitatif dengan teknik observasi dan wawancara kepada pedagang di Simorejo. Permasalahan yang menjadi fokus kami yaitu memberikan edukasi kepada masyarakat yang belum mengenal digital marketing dengan cara membuatkan akun sosial media dan pembinaan dalam mengelola akun sosial media. Dari hasil edukasi dan pembinaan tersebut terlihat bahwa para pedagang sangat antusias dalam menggunakan sosial media sebagai media promosi produk yang mereka jual. Dari keseluruhan program yang kami laksanakan dapat ditarik kesimpulan bahwa dengan mengenalkan masyarakat khususnya para pedagang kepada media digital marketing dan menerapkannya dalam penjualan produknya ternyata menunjukkan hasil yang efektif. Hal ini dibuktikan bahwa setelah melakukan penjualan dengan digital marketing bisa meningkatkan omset pedagang yang sebelumnya mengalami penurunan selama pandemic.
Recycling Sampah Plastik Menjadi Produk Bernilai Jual Hulaikah, Mifta
Dinamis: Jurnal Pengabdian Kepada Masyarakat Vol. 2 No. 1 (2022): Juni 2022
Publisher : Universitas Hasyim Asy'ari Tebuireng Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/dinamis.v2i1.5837

Abstract

The use of food wrap made of plastic is very popular because plastic is lightweight, easy to carry and of course the price is affordable. This results in a lot of plastic waste. One way to reduce it is with the 3R program (reuse, reduce, recycle). In addition, the problem experienced by the community is that plastic waste is not utilized as a selling value product so that it is expected to increase side income for housewives. This service aims to provide training on recycling plastic waste into products that are worth selling.
Pelatihan Design Graph Mobile: Upaya Peningkatan Kreativitas Siswa dalam Pembelajaran Di Masa Pandemi Hulaikah, Mifta; Zulianto, Aris; Syaifudin, Ahmat Arif
Dinamis: Jurnal Pengabdian Kepada Masyarakat Vol. 1 No. 1 (2021): Juni 2021
Publisher : Universitas Hasyim Asy'ari Tebuireng Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/dinamis.v1i1.5842

Abstract

The pandemic changed the student learning process at the basic education level, from face-toface and turned into an online system. It has resulted in one aspect of student skills, namely creativity, being not optimal developed. The mobile graphic design training program, use the pixel lab application, provides a stimulus for students to hone creativity through making designs that will be needed in doing school assignments. The method of this program is divided into three stages, situation analysis, needing analysis, and implementation. The training was attended by 30 students from MI Jatigede – Bojonegoro. The training is divided into three sessions: introduction the applications, guided practice, and self-paced assignments.
Management Strategy of the Amil Zakat Institution (LAZ) Persada Bojonegoro in Improving the Welfare of Orphans and the Poor Syaifudin, Ahmat Arif; Hualika, Mifta; Reza, Silvania Asmara
Journal Creative Economics and Trading Halal Ecosystem Vol. 3 No. 01 (2025): Journal Cethe: Maret 2025
Publisher : GERASI INSAN NUSANTARA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Zakat is an obligation for capable Muslims and is intended for those who are entitled to receive it. Zakat funds have great potential to improve the overall welfare of society. This study aims to examine the management strategies of the Amil Zakat Institution (LAZ) Persada Jatim Indonesia in enhancing the welfare of orphans and the poor in Bojonegoro, as well as to identify its supporting programs. This research employs a descriptive qualitative method using field interviews, observation, and documentation as data collection techniques. The results show that LAZ Persada Jatim Indonesia implements three strategies to increase community participation in improving the welfare of orphans and the poor: personal fundraising (relying on the ability of individual fundraisers), corporate fundraising (targeting companies with CSR funds), and digital fundraising (utilizing social media). In addition, there are twelve supporting programs conducted by LAZ Persada Jatim Bojonegoro to promote the welfare of orphans and the poor in the region
Interaksi Fundamental ICR dan DER Terhadap Harga Saham Properti dengan Moderasi BI Rate Inu Yuwan Fatoni; Mifta Hulaikah; Eryul Mufidah; Aris Zulianto
MARGIN ECO Vol. 10 No. 1 (2026): Margin Eco: Jurnal Ekonomi dan Perkembangan Bisnis
Publisher : LPPM Universitas KH A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/margineco.v10i1.7073

Abstract

The property sector is an industry that is very sensitive to monetary policy, but share price dynamics often show anomalies relative to fundamental indicators in volatile market conditions. The novelty of this research lies in testing the Moderated Regression Analysis (MRA) model to reveal the extent to which monetary policy (BI Rate) is able to moderate the influence of internal financial fundamentals (ICR and DER) on stock prices amidst massive government fiscal intervention. Taking the focus on the property sector on the Indonesia Stock Exchange for the 2020-2024 period, the research sample was determined using a purposive sampling approach which produced 100 observation data. Empirical findings confirm that although the model is tested simultaneously feasible (Sig. 0.025), partially only the Debt-to-Equity Ratio (DER) has a significant negative impact on stock prices. On the other hand, the Interest Coverage Ratio (ICR) and BI Rate do not have a significant direct contribution. The crucial results of this research reveal that the BI Rate failed to play a moderating role, which indicates the existence of a "decoupling" phenomenon or a break in monetary policy transmission in the capital market. This proves practically that government stimulus policies (such as VAT DTP and LTV relaxation) as well as fixed interest debt structures for property issuers are much more dominant in reducing market sensitivity to interest rate fluctuations. This research provides a new contribution to the financial management literature by proving that in conditions of crisis or economic recovery, investors tend to ignore external monetary signals and consider real solvency risk (DER) as the main indicator of asset valuation.