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All Journal PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Jurnal Edukasi (Ekonomi, Pendidikan dan Akuntansi) Lingkar Ekonomika: Jurnal Ilmu Ekonomi dan Studi Pembangunan KHITABAH: Khazanah Penelitian Perbankan Syariah
Harun Nur Jamiel
STAI Putra Galuh Ciamis
Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Determinan Ketimpangan Pendapatan di Provinsi Jawa Barat Harun Nur Jamiel; Nurul Anwar; Agus Arifin; Rini Agustin Eka Yanti; Ilah Ilah
Jurnal Edukasi (Ekonomi, Pendidikan dan Akuntansi) Vol 10, No 2 (2022): November
Publisher : Universitas Galuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25157/je.v10i2.8666

Abstract

Penelitian ini dilakukan untuk melihat kontribusi dan pengaruhnya dari Pendapatan Asli Daerah (PAD), Dana Alokasi Umum (DAU) dan Dana Alokasi Khusus (DAK) terhadap ketimpangan pendapatan. Lokasi penelitian ini dilakukan di Provinsi Jawa Barat. Tujuannya adalah untuk mengetahui pengaruh Pendapatan Asli Daerah (PAD), Dana Alokasi Umum (DAU) dan Dana Alokasi Khusus (DAK) terhadap ketimpangan pendapatan. Metode penelitian yang digunakan adalah regresi data panel, pemilihan model regresi data panel, pengujian model regresi data panel, pengujian asumsi klasik dan pengujian kelayakan model regresi data panel. Hasil penelitian menunjukan bahwa Pendapatan Asli Daerah (PAD) berpengaruh negatif dan signifikan terhadap ketimpangan pendapatan, Dana Alokasi Umum (DAU) berpengaruh positif dan tidak signifikan terhadap ketimpangan pendapatan dan Dana Alokasi Khusus (DAK) berpengaruh negatif dan signifikan terhadap ketimpangan pendapatan.
Analisis Ekonomi Usaha Angkringan di Purwokerto (Studi Kasus Usaha Angkringan di Kecamatan Purwokerto Utara) Jamil, Harun Nur; Setiarso, Oke; Windhani, Kikin
Lingka Ekonomika Vol 2 No 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/jle.v2i1.11135

Abstract

The present study is entitled “Economical Analysis among Street Food Vendors (Angkringan) in Purwokerto, Indonesia: The Case of Angkringans in North Purwokerto”. The research question deals with the sum of profits and its financial efficiency of the food vendor management. Specifically, the study is aimed at investigating how much the profit is gained and how economical its efficiency is among the vendors. This study is based on prime data generated from interview and questionnaires administered to the food vendor owners. The total number of subjects in the study 15 street food vendors in North Purwokerto. The study was carried out from 30 July to 12 November 2018. Data analysis was focused on income generated, cost and benefit, and its economic efficiency. Findings of the study indicated that the highest profit among the 15 street vendors was Rp 5.942.000 (IDR 5,942,000) per month and Rp - 4.269.000 (IDR 4,269,000) was the least. Out of the total number of 15 vendors, 11 (73%) got expected profits, and the rest, 4 (27%) lost its profits. Level of economic efficiency of its profits among 15 vendors reached 1,26%/month (the most) and 0,70 (the least). In other words, out of the total number of the vendors, 11 (73%) indicated its efficiency and 4 (27%) showed inefficiency. Implications of the study to the management of the street vendors that lost their profits are concerned with the way how to manage financial accounts, considering its feasible locations, and efficiently managing raw materials. Thus, good management of vendors is urgently needed to pursue balanced profits to consider the feasibility of the food vendor entrepreneurship.
Pendampingan Usaha Bagi Tenaga Kerja Mandiri Pemula (TKMP) Kabupaten Pangandaran: Business Mentoring for Beginner Independent Workers (BIW) of Pangandaran Regency Jaelani, Ihrom; Nur Jamiel, Harun; Acim, Acim
PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 10 No. 9 (2025): PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/pengabdianmu.v10i9.9836

Abstract

The Beginner Independent Worker (BIW) mentoring program initiated by the Indonesian Ministry of Manpower is an effort to improve the quality and capacity of workers who have just started a business to compete in the market and develop their business independently. In its implementation, this program involves mentors tasked with guiding BIW in solving various aspects of their business problems, from recording business financial reports and marketing to obtaining a Business Identification Number (BIN). The partners in this mentoring activity are BIW in Pangandaran Regency, totaling 19 people. Mentoring activities are carried out offline and online through the stages of preparation, implementation of mentoring, and monitoring or evaluation. The mentoring results show that BIW can make notes on business financial reports, utilize social media to expand marketing reach, and have NIB as proof that the business that BIW runs is official/legal. Overall, this program seeks to create a sustainable entrepreneurial ecosystem, reduce unemployment and improve community welfare, and encourage inclusive economic growth, especially in Pangandaran Regency and generally in Indonesia.
PENGARUH PENJUALAN DAN BEBAN OPERASIONAL TERHADAP LABA BERSIH PADA PT. BPR SYARIAH AL WADIAH TASIKMALAYA Acim Acim; Harun Nur Jamil
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 1 No 1 (2024): Juni
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v1i1.42

Abstract

Tujuan dari dilakukan penelitian ini adalah untuk mengetahui penjualan, beban operasional, dan laba bersih pada PT. BPR Syariah Al Wadiah Tasikmalaya. Pengaruh penjualan secara parsial terhadap laba bersih pada PT. BPR Syariah Al Wadiah Tasikmalaya. Pengaruh beban operasional secara parsial terhadap laba bersih pada PT. BPR Syariah Al Wadiah Tasikmalaya. Pengaruh penjualan dan beban operasional secara simultan terhadap laba bersih pada PT. BPR Syariah Al Wadiah Tasikmalaya. Metode penelitian yang digunakan adalah metode kuantitatif. Berdasarkan hasil dari analisis dan pembahasan pada bab sebelumnya, maka kesimpulan dari penelitian ini adalah sebagai berikut Berdasarkan hasil penelitian dan pembahasan maka penulis mengambil kesimpulan sebagai berikut: Penjualan, beban operasional, dan laba bersih pada PT. BPR Syariah Al Wadiah Tasikmalaya mengalami fluktuasi setiap tahun nya. Naiknya laba bersih disebabkan oleh tingkat penjualan yang optimal dan tercapainya efisiensi dalam mengelola biaya produksi termasuk beban operasional. Penjualan berpengaruh terhadap laba bersih di PT. BPR Syariah Al Wadiah Tasikmalaya, artinya jika penjualan mengalami penuruan maka akan terjadi kenaikan laba bersih dan sebaliknya penjualan mengalami kenaikan maka akan terjadi penurunan laba bersih. Beban operasional berpengaruh terhadap Laba bersih di PT. BPR Syariah Al Wadiah Tasikmalaya, artinya jika beban operasional mengalami kenaikan maka akan laba bersih akan naik dan sebaliknya beban operasional mengalami penurunan maka akan terjadi penurunan laba bersih. Penjualan dan beban operasional berpengaruh terhadap Laba bersih di PT. BPR Syariah Al Wadiah Tasikmalaya, artinya jika penjualan dan beban operasional mengalami kenaikan maka akan terjadi kenaikan laba bersih dan sebaliknya jika perputaran penjualan dan beban operasional mengalami penurunan maka akan terjadi penurunan laba bersih.
PENGARUH TEKNOLOGI INFORMASI DAN KUALITAS SUMBER DAYA MANUSIA TERHADAP KINERJA BANK SYARIAH DI INDONESIA PERIODE 2018-2024 Harun Nur Jamiel; Anandhiya Intan Prabandari
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 2 No 1 (2025): Juni 2025
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

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

Abstract

The rapid development of Islamic banking in Indonesia demands optimization of performance, including operational efficiency and profitability, to maintain competitiveness. This study examines how information technology and human resource quality influence the efficiency and profitability of Islamic banks in Indonesia during the period 2018-2024. Research data is derived from published financial reports of Islamic banks in Indonesia. Regression analysis is used to examine the relationship between variables, considering bank size and economic growth factors. The results show that information technology significantly contributes to improved operational efficiency and profitability. Technology implementation enables process automation, increased data accuracy, and expanded service reach. Quality human resources, indicated by education and training levels, also have a positive influence. Competent employees are able to optimize technology and provide excellent service to customers. These findings emphasize the importance of continuous investment in information technology and human resource development for Islamic banks. This strategy is crucial to increase operational efficiency and profitability, as well as strengthen competitiveness in the Islamic banking industry.
PERAN DIGITAL MARKETING TERHADAP PENINGKATAN BRAND AWARENESS BANK SYARIAH: STUDI KASUS MASYARAKAT CIAMIS Harun Nur Jamiel; Nurfaisyal Suryaeltarlan; Rida Taupik Hidayat
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 3 No 1 (2026): Juni 2026
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v3i1.279

Abstract

The low level of Islamic banking literacy among the religious community of Ciamis Regency demands concrete innovations in adaptive marketing communication strategies within this digital information age. This study primarily aims to analyze and describe the strategic role of digital marketing in increasing the overall brand awareness of Islamic banks among Ciamis people. The research method used is a descriptive quantitative approach through field survey methods. The research sample includes one hundred random respondents determined through the application of simple random sampling techniques from various districts across Ciamis Regency. Primary data collection was conducted by distributing structured online questionnaires to the target audience. Furthermore, the data analysis technique utilizes a simple linear regression test to measure the real influence of digital marketing variables on brand awareness with the help of a computer statistical program. Empirical field findings clearly indicate that digital marketing has a positive and significant influence on raising the level of sharia banking brand awareness among the local community. Financial education content packaged with sharia values and interactive visual promotions are dominant factors proven to strengthen public memory toward the actual existence of Islamic financial institutions. The implications of this study confirm that optimizing digital media does not only function as a mere business instrument, but also acts as an effective contemporary preaching medium to massively expand the reach of sharia financial inclusion.
ANALISIS LITERASI PERBANKAN SYARIAH PADA PELAKU UMKM INDUSTRI MAKANAN KHAS DI DESA SUKAJADI KECAMATAN SADANANYA KABUPATEN CIAMIS Nurfaisyal Suryaeltarlan; Harun Nur Jamiel; Dede Lutfi Mubarok
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 3 No 1 (2026): Juni 2026
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v3i1.281

Abstract

The low integration between the real sector of MSMEs and Islamic financial institutions in rural areas is often rooted in a massive literacy gap. This study aims to analyze in-depth the level of Islamic banking literacy among MSMEs in the traditional food industry in Sukajadi Village, Sadananya District, Ciamis Regency, and to examine the inhibiting factors that contribute to the low adoption of Islamic financial services. This study used a qualitative approach with descriptive analytical methods through in-depth interviews, participant observation, and documentation with ten informants who are traditional food business owners. The results show that the Islamic banking literacy of MSMEs in Sukajadi Village is still in the not-literate to less-literate phase. Although the majority of informants have a basic awareness of the physical existence of Islamic banks, they experience epistemological disruptions related to contract instruments and basic principles such as the prohibition of usury. This gap is triggered by the existence of cognitive accessibility barriers to the terminology of muamalah fiqh, which is considered complicated, and the absence of inclusive education from Islamic financial institutions, which tend to be passive at the grassroots level. As a result, business actors are trapped in "Pragmatic Resistance," where they prefer to persist with informal funding patterns, perceived as more practical, rather than migrate to the Islamic banking system. These findings confirm that the religious jargon of rural communities cannot be converted into inclusive financial behavior without a simplified contract structure and a more down-to-earth educational approach. This research contributes to the development of Islamic economics literature by offering a new paradigm regarding the urgency of a localized approach to terminology in financial literacy strategies for rural communities.
Co-Authors Acim Acim Agus Arifin Anandhiya Intan Prabandari Dede Lutfi Mubarok Ihrom Jaelani Ilah Ilah Nurfaisyal Suryaeltarlan Nurul Anwar Rida Taupik Hidayat Rini Agustin Eka Yanti Setiarso, Oke Windhani, Kikin