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All Journal MUQTASID IQTISHADIA At-Taqaddum JOIV : International Journal on Informatics Visualization IJBE (Integrated Journal of Business and Economics) Perisai : Islamic Banking and Finance Journal Shirkah: Journal of Economics and Business Ihtifaz: Journal of Islamic Economics, Finance, and Banking Jurnal Pemberdayaan: Publikasi Hasil Pengabdian Kepada Masyarakat International Journal of Islamic Business and Economics (IJIBEC) IJISH (International Journal of Islamic Studies and Humanities) Jurnal Pengabdian Kepada Masyarakat MEMBANGUN NEGERI Justisia Ekonomika Jurnal Abdimas Madani dan Lestari (JAMALI) JURNAL EKONOMI SYARIAH Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam International Journal of Research in Community Services Mukaddimah: Jurnal Studi Islam Journal of Islamic economy and Community Engagement Journal of Islamic Economic and Business Research Journal of Halal Science and Research Jurnal Ilmiah Mahasiswa Ekonomi Syariah (JIMESHA) IEFBR: Islamic Economics, Finance, and Banking Review JPS (Jurnal Perbankan Syariah) International Journal of Islamic Business and Economics (IJIBEC) Pandecta : Jurnal Penelitian Ilmu Hukum (Research Law Journal)
Wahyudi, Rofiul
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Analisis Rasio Permodalan, Likuiditas, Rentabilitas, Kualitas Aktiva Produktif dan NPF di KSPPS BTM Surya Umbulharjo Yogyakarta (Analysis of Capital Ratio, Liquidity, Profitability and NPF at KSPPS BTM Surya Umbulharjo Yogyakarta) Adha, Mufti Alam; Wahyudi, Rofiul
Perisai : Islamic Banking and Finance Journal Vol 4 No 2 (2020): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v4i2.837

Abstract

The main objective of this research is to analyze the ratio analysis of capital, liquidity, profitability, and non-performing financing (NPF) at KSPPS BTM Surya Umbulharjo Yogyakarta. This research is quantitative with a descriptive approach. Source of research data derived from primary and secondary documentation Annual Members Meeting (RAT). The research data analysis technique used is descriptive statistical analysis. This approach is used to provide an overview of the financial performance of KSPPS BTM Surya Umbulharjo Yogyakarta. The results showed that the BTM capital ratio during the study period showed a healthy category, the liquidity ratio was in the liquid category, the profitability ratio showed in the low category, and the NPF ratio showed in the sufficient category.
EEFISIENSI DAN EFEKTIVITAS PENGELOLAAN ZAKAT DI BAZNAS KOTA YOGYAKARTA : : Pendekatan DEA dan Allocation to collection Ratio Rachma Fadila; Wahyudi, Rofiul; Pribawa E Pantas; Dwi Santosa Pambudi
Mukaddimah: Jurnal Studi Islam Vol. 8 No. 2 (2023)
Publisher : Kopertais Wilayah III Yogyakarta

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

Abstract

Islam is the majority religion in Yogyakarta, with more than 92% of the population following this religion. The potential for zakat in Yogyakarta is enormous. However, the population cannot escape the problem of poverty. This is an opportunity to optimize the role of zakat, infaq, and alms in overcoming poverty in society. To overcome this, Yogyakarta City BAZNAS distributes zakat, infaq, and alms funds to the community. In carrying out its duties, an evaluation is needed to determine the efficiency and effectiveness of the performance of zakat institutions in managing zakat, infaq, and alms funds. This research aims to analyze the efficiency and effectiveness of Yogyakarta City BAZNAS in managing zakat funds in the 2017-2021 period. This research is quantitative. The data type used is secondary data in the form of BAZNAS Yogyakarta City financial report data for 2017-2021. In this research, efficiency measurement uses the Data Envelopment Analysis (DEA) method with a production approach; the Variable Return to Scale (VRS) assumption is output-oriented and measures the level of effectiveness of amyl using the Allocation to Collection Ratio (ACR) method. The input variables used to measure efficiency are current assets, non-current assets, and operational costs. Meanwhile, the output variables used are the collection and distribution of zakat, infaq, and alms funds. To measure the level of effectiveness, the outcome variable used is the target and realization of the distribution of zakat, infaq, and alms funds. This research shows that BAZNAS Yogyakarta City experienced inefficient performance in 2017 and 2018. Inefficiency was 92.9% in 2017 and 98.8% in 2018. Meanwhile, 2019, 2020, and 2021 experienced perfect efficiency according to the measurement results by 100%. To measure the level of effectiveness, in 2018, 2020, and 2021, scores were 88%, 76%, and 81% in the Effective category. In 2017 and 2019, they received the same Highly Effective category with 99% and 90% scores.   Keywords: ACR; BAZNAS; DEA; Efficiency; Effectiveness.
Penyuluhan Sedekah Sampah: Tinjauan Qur’an & Hadist dan Ekonomi Islam Wahyudi, Rofiul
Journal of Islamic Economy and Community Engagement Vol. 3 No. 2 (2022)
Publisher : FEBI UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jiecem.2022.3.2.1736

Abstract

Kebersihan dan kesehatan lingkungan dalam Al-Qur’an & Hadist telah menjadi nilai penting yang diajarkan kepada umat Islam. Akhir-akhir ini berkembang konsep bank sampah, dimana sampah-sampah memiliki nilai ekonomis dapat menghasilkan pendapatan bagi masyarakat dan pengelolanya. Konsep lain, adalah sedekah sampah, dimana orientasinya tidak semata-mata keuntungan, namun memiliki aspek religiusitas. Oleh sebab itu, tujuan dan solusi yang ditawarkan dalam kegiatan PkM ini dengan memberikan penyuluhan sedekah sampah: tinjauan Qur’an & hadist dan Ekonomi Islam. Rencana kegiatan dilakukan beriringan dengan agenda KKN mahasiswa di unit Pandak dengan melibatkan sebagian pimpinan ranting Muhammadiyah setempat. Pelaksanaan penyuluhan yang paling efektif dilakukan dalam kegiatan pengajian dimana dihadiri oleh sebagian besar anggota masyarakat. Kesimpulan bahwa menunjukkan bahwa masyarakat mendapatkan wawasan terbaru tentang sedekah sampah: tinjauan Qur’an & hadist dan Ekonomi Islam.
PENGARUH PROGRAM FLASH SALE, CASHBACK, DAN GRATIS ONGKOS KIRIM TERHADAP PERILAKU IMPULSIF MAHASISWA DALAM PERSPEKTIF EKONOMI SYARIAH Damery, Radita Arthamevia; Adha, Mufti Alam; Wahyudi, Rofiul
Jurnal Ilmiah Mahasiswa Ekonomi Syariah (JIMESHA) Vol 4 No 2 (2024): Jurnal Ilmiah Mahasiswa Ekonomi Syariah (JIMESHA)
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/jimesha.v4i2.413

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh dari Flash Sale, Cashback, dan Gatis Ongkos Kirim terhadap Perilaku Impulsif Mahasiswa dalam Perspektif Ekonomi Syariah. Objek dalam penelitian ini adalah mahasiswa yang menggunakan aplikasi Shopee. Penelitian ini mengambil sampel sebanyak 100 responden dengan menggunakan kuesioner sebagai instrumendalam pengambilan sampel. Metode yang digunakan dalam penelitian ini adalah kuantitatif dengan analisis regresi linier berganda. Hasil dari penelitian ini menunjukkan jika variabel Flash Sale berpengaruh positif dan signifikan terhadap perilaku impulsif mahasiswa; variabel Cashback berpengaruh positif terhadap perilaku impulsif mahasiswa; variabel Gratis Ongkos Kirim berpengaruh positif dan signifikan terhadap perilaku impulsif mahasiswa. Secara simultan variabel Flash Sale, Cashback, dan Gratis Ongkos Kirim berpengaruh positif terhadap perilaku impulsif mahasiswa. Kata Kunci: Flash Sale, Cashback, Gratis Ongkos Kirim, Perilaku Impulsif
Microfinancing, Preference and Loyalty Analysis: A Study of Islamic Microfinance Institutions in Indonesia Riduwan; Amrullah; Danupranata, Gita; Wahyudi, Rofiul
Journal of Islamic Economic and Business Research Vol. 4 No. 2: December 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v4i2.366

Abstract

This study aims to analyse people's preferences and loyalty to using microfinance. The research utilised a descriptive qualitative method by conducting in-depth interviews with microbusinesses and stakeholders. The research population comprised microfinance users with a sample size of 186 people from various regions in Indonesia, along with 18 people from the management of Islamic microfinance institutions. The results of the research suggest that preferences and loyalty in using microfinance are mostly influenced by the speed of service, ease of procedures, and personal relationships. Apart from that, the belief that business owners are free from usury (riba) is also a determining factor in choosing Islamic microfinance despite the higher cost. The findings also show that micro-business owners receive social benefits in the form of mentoring to help develop their businesses. The results of this study provide a significant contribution to understanding the factors that influence people's preferences and their loyalty to using microfinance. The research results can provide a valuable basis for stakeholders to formulate financing policies that are more suitable to the needs and conditions of the community and micro businesses.
Desain Bagi Hasil usaha berbasis Digital “DEWI KUNTI” (Desa Wisata Akuntabel dan Kreatif) Pada Objek Wisata Kampung Pinus Keditan: Indonesia safitri, Junaidi; Rakhmawati; Haryono, Kholid; Wahyudi, Rofiul
Jurnal Abdimas Madani dan Lestari (JAMALI) Volume 06, Issue 02, September 2024
Publisher : UII

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jamali.vol6.iss2.art14

Abstract

Keditan village has a superior tourist attraction, namely Kampoeng Pinus Keditan which offers a natural panorama in the form of a pine forest and provides interesting spots to visit. Currently, the management of the Kampung Pinus Keditan tourist attraction is carried out simply and conventionally. There are several problems faced by the management of Pinus Keditan Village, namely; 1). There is no agreement regarding the sharing of profits from the Pine Village tourism business between Perhutani, the Village Government and the Landowner Community, 2) The recording of financial reports is still manual, resulting in frequent errors and 3). Lack of skills of Kampoeng Pine managers in promotion, marketing and outbound tourism guides. The aim of this empowerment is the development of Human Resources (HR) governance in the fields of promotion, marketing and outbound tourism guides and the preparation of digital-based financial reports for the results of the Kampoeng Pine Editan business. The method for implementing this service program uses the Participatory Action Research method with 8 main process cycles including 1) Observation, 2) planning, 3) Program development, 4) Socialization 5) Implementation, 6) Reflection, 7) evaluation, and 8) Follow up. The targets for this service are the Keditan village government, Pine Village managers and village communities. The output of this service program is in the form of improving management skills in promotion, marketing and guiding outbound tourism, digital-based profit-sharing applications for Pine Village tourism businesses, village profiles and tourism profiles for Keditan Pine Village.
The Role of the Service Office in Managing Zakat, Infaq, and Sadaqah Funds, at LAZISMU Jember Bashori, Dhofir Catur; Wahyudi, Rofiul
At-Taqaddum Vol. 16 No. 1 (2024): At-Taqaddum
Publisher : Quality Assurance Institute (LPM) State Islamic University Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/at.v16i1.16452

Abstract

This study aims to examine the management and role of the LAZISMU Service Office in increasing the raising of Zakat, Infaq, Waqf, and Sadaqah (ZISWAF) funds at LAZISMU Jember Region. This research is a field research, with data collection methods used through interviews, observation and documentation. The data obtained were analyzed using descriptive analysis methods to describe the results of the study. The position of the LAZISMU Service Office is the same as the Zakat Collection Unit (UPZ) which has an important role in managing ZISWAF funds. This LAZISMU Service Office is in direct contact with the Amil Zakat to the mustahiq. Currently the number of LAZISMU Service Offices formed by LAZISMU Jember Region is 11 (eleven) Service Offices spread across the Branch. Referring to Law Number 23 of 2011 concerning Management of Zakat Article 1 paragraph 9, the functions and duties of the LAZISMU Service Office are to collect, distribute and utilize zakat. However, in practice several LAZISMU Jember Service Offices have not run optimally in managing these zakat funds. The influencing factors are; First, the lack of human resources in the LAZISMU Service Office. Second, the lack of public awareness to pay zakat through Amil Zakat Institutions. Third, there is still a lack of knowledge of the Service Office administrators regarding the management of zakat. Fourth, the lack of guidance from LAZISMU Jember Region to the Service Office administrators. So that this greatly influences the role and contribution of the LAZISMU Service Office to the raising of ZISWAF funds at LAZISMU Jember Region. Suggestions given by this study is the need of intensive guidance for zakat managers in the Service Office by LAZISMU Jember Region. It is hoped that with the guidance for Service Office administrators they can improve their ability to manage and ZISWAF, so as to be able to optimize the potential of existing zakat, especially in Jember Regency
Analysis of the Return and Risk of Investment in Insurance Companies Listed on the Indonesia Stock Exchange Robbyah, Aizzah Sifaur; Mubarok, Ferry Khusnul; El Junusi, Rahman; Wahyudi, Rofiul
At-Taqaddum Vol. 13 No. 1 (2021)
Publisher : Quality Assurance Institute (LPM) State Islamic University Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/at.v13i1.8949

Abstract

The return and risk of stock investment have a high level of volatility because it depends on fundamental and technical conditions and the influence of micro and macro variables. This study aims to determine the risk and return on investment in insurance companies and analyze the effect of macroeconomic variables on the level of risk and return on investment in insurance companies. The sampling technique used was purposive sampling.  Data analysis shows that for three years, Asuransi Jasa Tania Tbk has the highest level of conclusion, which is 22.3%, and Asuransi Harta Aman Pratama Tbk. has the lowest rate of -3.3%. For three years, the value of Gross Domestic Product has increased successively so that this will cause a stock return that is proportional to the level of risk that will be faced. Changes in the inflation rate up and down for three consecutive years have a different effect every year where when the inflation rate decreases, the rate of return on investment will be high. In addition, the interest rate decreased from 4.75% in 2016 to 4.25% in 2017. Then it increased to 6.00% in 2018. The Rupiah exchange rate against the dollar is getting weaker, indicating an increase in the exchange rate. Every year from 2016 to 2018. When the rupiah exchange rate weakens, people will choose to invest in foreign currencies because the value of these foreign currencies can determine the size of the risk of a business.
The Effectiveness of The Fundraising Strategy for ZIS (Zakat, Infaq, and Sadaqah) Through Fintech Payment at BAZNAS (The Amil Zakat National Agency) of The Special Region of Yogyakarta Nurhardiansyah, Achmad; Adha, Mufti Alam; Wahyudi, Rofiul
JURNAL EKONOMI SYARIAH Vol 10, No 1 (2025): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v10i1.11814

Abstract

Introduction to The Problem: Effectiveness is the success of the institution in determining the failure of the organization to its objectives. This research is a field research with a descriptive qualitative approach. The object of this research is the effectiveness of fund-raising strategies through fintech. The data collection techniques performed by researchers are observations, structured interviews, documentation and triangulation. The results of this research are known ZIS payments through fintech in 2020 to 2022 experienced a significant increase, in 2020 reached 26.7% and in 2021 reached 34.5% and in 2022 collection through fintech 37.9% so that it can be concluded that ZIS payment through Fintech effectively implemented.Purpose: The aim of this research is to find out the effectiveness of ZIS fund-raising strategies through the use of fintech technology in BAZNAS in Yogyakarta Special District.Design/methodology/approach: This research is a field research with a descriptive qualitative approach. The object of this research is the effectiveness of fund-raising strategies through fintech. The data collection techniques performed by researchers are observations, structured interviews, documentation and triangulation.Findings: The results of this research are known ZIS payments through fintech in 2020 to 2022 experienced a significant increase, in 2020 reached 26.7% and in 2021 reached 34.5% and in 2022 collection through fintech 37.9% so that it can be concluded that ZIS payment through Fintech effectively implemented.Research Implication: The use of digital technology over financial technology can have a significant impact in terms of fund-raising because fintech provides transaction ease, transaction speed and transaction security.Originality/value: This research contributes to maximizing the use of digital technology in the financial sector specifically in the ZIS launched by BAZNAS. This research aims to examine how effective the use of financial technology is to collect zakat funds from muzakki. The use of data collection techniques through interviews provides a clearer and more real picture. This research is very important for the BAZNAS institution to increase the collection of zakat funds from muzakki and maximize zakat funds for mustahik.Reseacrh Type: Research Article
The Effect of Debt-Based Financing and Equity-Based Financing on Profitability of Islamic Banks in Indonesia Wahyudi, Rofiul; Aulia Arifatu Diniyya; Julia Noermawati Eka Satyarini; Lu’liyatul Mutmainah; Sri Maulida
International Journal of Islamic Business and Economics (IJIBEC) Vol 4 No 2 (2020): Volume 4 Nomor 2 Tahun 2020
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v4i2.2771

Abstract

This study's main objective was to investigate the equity-based financing and debt-based financing on the profitability of Islamic banking in Indonesia. This research was expected to provide contribution to both theoretical and practical dimensions. Based on the theoretical dimension, this study can provide evidence whether equity-based financing and debt-based financing affect profitability of Islamic banking. Meanwhile, based on practical dimension, Islamic banks in Indonesia can determine their extensive profitability and, in turn, the competitiveness of Islamic banks is able to be developed in line or even better than that of conventional banks. The data were analyzed using a panel regression technique with data time series and cross-section. Furthermore, the panel data model was estimated by common effect, fixed effect, and random effect. The result of this study showed that equity-based financing partially did not affect ROE. At the same time, debt-based financing affected ROE of Islamicbanks. Equity-based financing and debt-based financing partially did not affect ROA of Islamic banks. However, The test results of both independent variables, consisting of equity-based financing and debt-based financing, simultaneously had a strong influence on the dependent variable, that is, profitability, as measured by ROA and ROE.
Co-Authors - Suprihatin, - Abd Razak, Shamsul Bahri Akhmad Arif Rifan Alfiani, Yudha Ali, Maimunah Binti Amrullah Ani Apriani, Ani Annisa Fithria Aulia Arifatu Diniyya Aulia, Mahdiah Beni Suhendra Winarso Catur Bashori, Dhofir Damery, Radita Arthamevia Danupranata, Gita Diniyya, Aulia Arifatu Dwi Santosa Pambudi Erlin Nur Khasanah Faiza Husnayeni Nahar Intan Dita Angelina Irsalinda, Nursyiva Iwan Tri Riyadi Yanto, Iwan Tri Riyadi Julia Noermawati Eka Satyarini Kholid Haryono Laurin Azwita Lu'liyatul Mutmainah Maulida, Sri Maulidia, Farah Esti Meshayu Anesca Cerrolya Millania, Annisa Misbahul Munir Mubarok, Ferry Khusnul Muhamad Nafik Hadi Ryandono, Muhamad Nafik Mutmainah, Lu’liyatul Nurani, Oril Presti Nurhardiansyah, Achmad Pantas, Pribawa E Pribawa E Pantas puspitasari, Arum Putri, Shah Amelia Manggala Rachma Fadila Rahman El Junusi Rahmat Hidayat Rakhmawati Riduwan Riduwan Riduwan, Riduwan Rifan, Akhmad Arif Robbyah, Aizzah Sifaur Romadhani, Eka Laily Safitri, Junaidi Salsabila Indrastuti Saputra, Jumadil Sartini Satyarini, Julia Noermawati Eka Sholichul Rizky Agniatama Siti Fitria Wulandari Siti Mujibatun Sri Maulida Sugiyarto Sugiyarto Sunu Prasetya Adi Suwartiningsih, Nurul Syaugi Syaugi Tusyani, Mia Rizka WaiShiang, Cheah Wardiwiyono, Sartini