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All Journal Ekonomi Bisnis Al-Manahij: Jurnal Kajian Hukum Islam JEJAK el-Jizya: Jurnal Ekonomi Islam Mabsya : Jurnal Manajemen Bisnis Syariah Al-Manahij : Jurnal Kajian Hukum Islam
Lestari, Dini Maulana
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Analisis Jaminan pada Pembiayaan Muḍārabah dalam Perspektif Maqāṣid Al-Syarī‘ah Lestari, Dini Maulana
Al-Manahij: Jurnal Kajian Hukum Islam Vol 13 No 2 (2019)
Publisher : Fakultas Syariah IAIN Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (862.31 KB) | DOI: 10.24090/mnh.v13i2.1679

Abstract

This paper analyzes the concept of muḍārabah as the main product in sharia banking, where the financing product should be excellent in its marketing. However, muḍārabah financing products are often faced with complicated portfolios and low market shares because they are indicated by high levels of financial risk. To bridge this, collateral is one of the tools used by the Sharia Bank in order to minimize these risks. This type of research is literature with a qualitative-explorative descriptive approach. The results showed that the collateral in muḍārabah financing functions as a Shariah Bank intervention tool to create benefits for creditors and debtors in the event of default in their business, also to avoid moral hazard activities and asymmetric information.
Peran Bank Syariah: Menuju Perekonomian Masyarakat Madani Lestari, Dini Maulana; Muntaha, M Roif; BA, Immawan Azhar
Mabsya: Jurnal Manajemen Bisnis Syariah Vol 1 No 2 (2019): Mabsya: Jurnal Manajemen Bisnis Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/mabsya.v1i2.3461

Abstract

Islamic banks are present in the community as financial institutions whose activities are based on the principles of Islamic law for the benefit of the people. This study aims to determine the strategic role of Islamic Banks as financial service institutions, the importance of the existence of Islamic Banks and Islamic-based markets and financial instruments in them. In its development, Islamic banks have a role as institutions that turn on public funds, channel funds to the public, transfer assets, liquidity, reallocation of income and transactions. In the Indonesian economic system, the existence of Islamic Banks is important as an alternative solution to the problem of conflict between bank interest and usury. Islamic financial markets and instruments provide a free society of interest and follow a different set of principles. Distribution of profit/ loss according to evidence of participation in the management fund. The division of rental income in the form of musharaka.
Immaterial Cost and Production: Maximum Production Cost Level Through Marginal Approach Lestari, Dini Maulana
El-Jizya : Jurnal Ekonomi Islam Vol 8 No 2 (2020): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Institut Agama Islam Negeri (IAIN) Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v8i2.4241

Abstract

This paper will discuss about the immaterial costs and production yields at one of the refined sugar factory companies in Makassar, South Sulawesi. The theory is based on the fact that Immaterial is a cost that is almsgiving, meaning costs that are outside of the basic costs of the company in producing production, so this research aims to find out: (1) what is the production cost needed to produce this production, (2) the maximum level of production at company from 2013 to 2017. This type of research is a quantitative study because it uses a questionnaire in the form of values ​​that are processed using the marginal cost approach formula. The results of the analysis show that (1) the maximum level of production costs occurred in 2016 amounting to 6,912 with an Immaterial cost of Rp. 2,481,796,800 and the total production produced is 359,077.3 tons (2) The required workforce with the total production produced is 359,077.3 tones of 180 people including the maximum production point which means that the lowest value is achieved (optimal).
Determinant of Macro-Economics: Does Income Inequality Influence Happiness? Evidence From Indonesia Furwanti, Reni; Lestari, Dini Maulana; Muflikha, Muflikha; Wibowo, Muhammad Ghafur
JEJAK: Jurnal Ekonomi dan Kebijakan Vol 14, No 1 (2021): March 2021
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jejak.v14i1.28278

Abstract

This research aims to see does income inequality determines the happiness of Indonesian. This is important because there is a unique condition where Indonesia to be one of the developing nations which have a complexity of the income inequality issue, but it still has a high happiness index rate. This research uses cross-sectional data consisting of multiple indicators of all the variables from 34 provinces of Indonesia such as inflation, unemployment, and government investment as the macroeconomic factors, which have a direct impact on income inequality as well as happiness index, and this research uses path analysis model.The result delineates that although macro economics variables and income inequality have negative correlation toward happiness of Indonesian, it it not fully effected on it because most happiness of Indonesians are coming from another aspect such as socio-culture and religiosity
Immaterial Cost and Production: Maximum Production Cost Level Through Marginal Approach Wafia, Nur Umaima; Furwanti, Reni; Lestari, Dini Maulana
el-Jizya : Jurnal Ekonomi Islam Vol 8 No 2 (2020): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Institut Agama Islam Negeri (IAIN) Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v8i2.4241

Abstract

This paper will discuss about the immaterial costs and production yields at one of the refined sugar factory companies in Makassar, South Sulawesi. The theory is based on the fact that Immaterial is a cost that is almsgiving, meaning costs that are outside of the basic costs of the company in producing production, so this research aims to find out: (1) what is the production cost needed to produce this production, (2) the maximum level of production at company from 2013 to 2017. This type of research is a quantitative study because it uses a questionnaire in the form of values ​​that are processed using the marginal cost approach formula. The results of the analysis show that (1) the maximum level of production costs occurred in 2016 amounting to 6,912 with an Immaterial cost of Rp. 2,481,796,800 and the total production produced is 359,077.3 tons (2) The required workforce with the total production produced is 359,077.3 tones of 180 people including the maximum production point which means that the lowest value is achieved (optimal).
Disclosure Regulations and Political Accountability Does Government Capital Ownership Influence Companies’ Performance Evidence from ASEAN Countries Lestari, Dini Maulana; Haryono, Slamet; Furwanti, Reni
el-Jizya : Jurnal Ekonomi Islam Vol 9 No 1 (2021): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Institut Agama Islam Negeri (IAIN) Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v9i1.4412

Abstract

This research aims to discuss those four aspect toward companies’ performance. Government capital ownership is another crucial aspect which able to consider by companies for increase their performance. This is because the higher perentage government capital have, the biggest power they able to control the companies, and it is a good condition because they able to reduce agency’s issues between management and shareholders which absolutely brings positive influence on companies’ performance. Nevertheless, it still lack of studies which combined mandatory, voluntary disclosrues, political accountability and government capital ownership for measuring companies performance. The result come out that although government capital ownership brings no significant effect to boost companies’ performance, it is able to moderating the variable of mandatory, voluntary disclosures and political accountability have significant positive effect to increase companies’ performance.
To What Extent Collateral in PLS Financing Brings Maṣlaḥah? An Analytical Comparison from Islamic Law Outlook with Maqāṣid al-Sharī’ah Index Lestari, Dini Maulana; Kusuma, Hadri; Sunaryati
Al-Manahij: Jurnal Kajian Hukum Islam Vol. 18 No. 1 (2024)
Publisher : Sharia Faculty of State Islamic University of Prof. K.H. Saifuddin Zuhri, Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/mnh.v18i1.10575

Abstract

This study aims to compare the level of maṣlaḥah regarding the existence of collateral in Profit and Loss Sharing (PLS) financing from Islamic banking customers and employees standpoints. This is crucial as PLS financing becomes the main characteristic product of Islamic banks, but it emerges as an unfavorable product due to the high financial risk. The existence of collateral plays a pivotal role in this situation to realize maṣlaḥah. This is an explanatory study with a quantitative approach and survey method, considering 400 respondents, particularly 200 Islamic banking customers and 200 Islamic banking employees, who were conveniently obtained at certain time intervals for a one-shot. An Independent sample t-test is used to calculate the comparison level of maṣlaḥah among these two groups. At the same time, Rasch Model analysis is also used to measure the data based on the demographic characteristics of respondents. The result discovers that although there is a slightly different level of maṣlaḥah between Islamic banking customers and employees in PLS finance practice regarding collateral, it still significantly brings benefit, as it aligns with the concept of ta’widh to prevent financial risk. This finding contributes to Islamic banks as a guideline to understand how to operate and enhance the market share of this financing product based on the Rasch Model Analysis.
DOES ISLAMIC FINANCIAL DEVELOPMENT MATTER TO IMPROVE STANDARD LIVABILITY? EVIDENCE FROM INDONESIA Furwanti, Reni; Lestari, Dini Maulana; Solikhin, Iin; Hardiyono, Hardiyono
Jurnal Ilmiah Ekonomi Bisnis Vol 29, No 3 (2024)
Publisher : Universitas Gunadarma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35760/eb.2024.v29i3.10895

Abstract

This research aims to examine and analyze the relationship between Islamic financial development and Indonesia's standard of livability from an Islamic perspective. This is considered significant because, as a developing country, it is crucial for Indonesia to sustain high economic growth along with a good standard of livability. This is a quantitative study using a panel data regression method, utilizing panel data such as Islamic financing disbursement and real expenditure per capita across 33 provinces in Indonesia from 2017 to 2022. The results revealed that Islamic financial development plays a significant role in improving the standard of livability. Moreover, these findings will help understand the role of financial inclusion in sustainable development, contributing to discussions on financial and distribution policies for lower-income groups.
Co-Authors BA, Immawan Azhar Furwanti, Reni Hadri Kusuma Iin Solikhin Muflikha, Muflikha Muhammad Ghafur Wibowo, Muhammad Ghafur Muntaha, M Roif Slamet Haryono Sunaryati Wafia, Nur Umaima