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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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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Literasi Keuangan Syariah: Membangun Bisnis tanpa Riba bagi Usaha Mikro Riduwan; Wahyudi, Rofiul; Amrullah; Winarso, Beni Suhendra
Jurnal Pengabdian Kepada Masyarakat MEMBANGUN NEGERI Vol. 9 No. 2 (2025): Jurnal Pengabdian Kepada Masyarakat MEMBANGUN NEGERI
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35326/pkm.v9i2.7360

Abstract

Pelaku usaha mikro, pada umumnya memiliki hambatan dalam mengelola keuangan, sehingga banyak usahanya kurang berkembang bahkan terjerat rentenir atau pinjaman online ilegal yang berbunga besar, yang dalam perspektif hukum islam termasuk riba yang diharamkan. Oleh karena itu, dibutuhkan literasi yang intensif supaya kesadaran pengelolaan keuangan semakin baik dan sesuai syariah. Pengabdian pada masyarakat ini dilaksanakan dengan metode pelatihan kelas dan diskusi kelompok serta konsultasi berkelanjutan. Program tersebut merupakan hasil kerjasama Lembaga Amil Zakat Muhammadiyah (LazisMu), Majelis Ekonomi PCM Berbah, Universitas Ahmad Dahlan dengan Bank BPD DIY Syariah. Sasaran kegiatan pengabdian ini adalah pengusaha mikro yang menjadi mitra binaan Majelis Ekonomi dan LazisMu Berbah, sebanyak 60 orang. Hasil pengabdian menunjukkan adanya peningkatan pemahaman dan kesadaran masyarakat tentang keuangan syariah, dari semula rata-rata 30,4% menjadi rata-rata 68,7%. Selain itu penggunaan produk dan jasa keuangan syariah atau inklusi juga meningkat dari 25,7% menjadi 48,3%. Pada umumnya peserta memahami jika pinjaman ribawi dapat membahayakan keberlangsungan usaha. Oleh karena sebab itu, pengabdian merekomendasikan pentingnya terus melakukan literasi bagi masyarakat tentang keuangan syariah dengan melibatkan semua stakeholder.
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.
NON-PERFORMING FINANCING RISK ANALYSIS: AN ISLAMIC RURAL BANK DURING PANDEMIC COVID-19 Laurin Azwita; Wahyudi, Rofiul
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 7 No 2 (2023): Desember 2023
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v7i2.20425

Abstract

One of the problems faced by BPR Syariah in distributing financing is the risk of default. This study aims to analyze the risk of non-performing financing during the Covid-19 pandemic at BPR Syariah BDW. This study uses a qualitative method with a case study approach. The research subjects focused on the head of the marketing department, account officer, and director of BPR Syariah BDW. This research was conducted for two months, from March to April 2021. Data collection used observation techniques, in-depth interviews, and documentation. The research findings show that BPR Syariah BDW during the COVID-19 pandemic has implemented appropriate steps in identifying, measuring, monitoring, and controlling some of the risks faced. Furthermore, BPR Syariah carries out effective internal control, starting from identification to evaluating types of risk.
Training on Diversification and Labeling of Honey Products in the Taman Kelulut Ayoh Ku Bee Farming Community Suwartiningsih, Nurul; Irsalinda, Nursyiva; Wahyudi, Rofiul; Saputra, Jumadil; Abd Razak, Shamsul Bahri; Sugiyarto, Sugiyarto
International Journal of Research in Community Services Vol. 5 No. 2 (2024)
Publisher : Research Collaboration Community (Rescollacom)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijrcs.v5i2.558

Abstract

Taman Kelulut Ayoh Ku Bee Farming Community in Pengkalan Gelap, Kuala Setiu, Terengganu, Malaysia, is a group of Trigona sp. honey beekeepers. which faces challenges related to the availability of packaging facilities for kelulut honey. This community service activity is important to provide education and training to improve packaging facilities through diversification and labeling on honey product. The activity was carried out offline on August 8-9th, 2023. The results of the activity showed that the training on diversifying honey product packaging increased the knowledge and skills of 92.5% of participants, while the training on labeling honey product packaging increased the knowledge and skills of 80% of participants. The solutions presented can increase the knowledge and skills of community members, motivate the enthusiasm of farmers, and increase the selling value of honey products produced by the Taman Kelulut Ayoh Ku Bee Farming Community
Regulating Alternative Crowdfunding: Legal Challenges in Advancing Indonesian SMEs Amid Consumer Protection, Transparency, and Strict Platform Oversight—A Comparison with Austria Alfiani, Yudha; Syaugi, Syaugi; Wahyudi, Rofiul
Pandecta Research Law Journal Vol. 19 No. 2 (2024): December, 2024
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/pandecta.v19i2.10544

Abstract

Alternative crowdfunding has emerged as a vital financing solution for Small and Medium Enterprises (SMEs) in Indonesia, offering funding opportunities beyond traditional financial institutions and fostering economic growth. However, the Indonesian government must address risks such as fraud, personal data misuse, and investor losses by ensuring strong legal protection and regulatory oversight. This study examines the legal framework for equity-based crowdfunding and SME empowerment in Indonesia, drawing comparative insights from Austria’s well-established regulations. The novelty of this research lies in its comparative approach, which highlights regulatory asymmetries affecting investor confidence and SME access to funding. The urgency is underscored by Indonesia’s rapidly expanding digital finance sector, where weak governance could undermine crowdfunding’s potential. This normative legal study employs a descriptive-analytic approach, integrating legislative and conceptual perspectives from both jurisdictions. Findings indicate that Austria enforces investment limits, stringent platform accountability, and robust law enforcement, ensuring market stability while supporting SMEs. Conversely, Indonesia should ease SME access to crowdfunding while implementing investment caps to mitigate investor risks. Moreover, Austria’s strong judicial oversight and auditing mechanisms serve as a model for Indonesia, which requires enhanced regulatory enforcement and institutional capacity. This study contributes to legal scholarship by proposing a balanced regulatory model that fosters SME participation while ensuring investor protection, transparency, and sustainable market growth. By adopting best practices from Austria and Europe, Indonesia can refine its crowdfunding regulations to drive economic development while maintaining a secure financial ecosystem.
The Performance of Indonesian Islamic Rural Banks During Covid-19 Satyarini, Julia Noermawati Eka; Wahyudi, Rofiul; Putri, Shah Amelia Manggala; Tusyani, Mia Rizka
At-Taqaddum Vol. 14 No. 1 (2022)
Publisher : Quality Assurance Institute (LPM) State Islamic University Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/at.v14i1.16392

Abstract

The Covid-19 pandemic caused turbulence in all sectors, including Islamic Rural Banks. The financial performance of Islamic Rural Banks has come under pressure due to the decline in SMEs financing quality. Therefore, this study aims to analyze the financial performance of Indonesian Islamic rural banks during the Covid-19. This research method uses a descriptive quantitative approach with secondary data in financial statements from 165 Islamic Rural Banks in Indonesia as a population and sample. Data analysis techniques use descriptive statistics to reveal the performance of Islamic Rural Banks during the Covid-19 pandemic for the January-December 2020 period, which includes Productive Asset Quality, Non- Performing Financing, Return on Assets, BOPO, Financing to Deposit Ratio, and Cash Ratio. The findings of this study show that most Islamic rural banks have experienced a decline in financial performance. The implication is that Islamic rural banks must strengthen risk management to deal with the possibility of similar or other pandemics in the future.
Determinants of Profitability in Indonesian Islamic Banking: Case Study in the COVID-19 Period Wahyudi, Rofiul; Mutmainah, Lu’liyatul; Nahar, Faiza Husnayeni; Adha, Mufti Alam; Rifan, Akhmad Arif
Integrated Journal of Business and Economics (IJBE) Vol 5, No 1 (2021): Integrated Journal of Business and Economics
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (357.957 KB) | DOI: 10.33019/ijbe.v5i1.333

Abstract

With a high level of COVID-19 virus spread throughout the world, Indonesia is one of the countries in Southeast Asia affected by the largest transmission chain. This affects various layers of the industry in this country, one of which is financial institutions and the banking system. This paper tries to look at the performance of Islamic banking in the face of the COVID-19 pandemic. Using the linear regression method, the authors use ROA as the dependent variable. Whereas CAR, NPF, FDR, and BOPO as independent variables. The results show that CAR and BOPO have significant results while the rest do not show satisfactory results. It can be concluded that during the pandemic, Islamic banking experienced a pretty good and convincing performance.
Fuzzy Soft Set Clustering for Categorical Data Yanto, Iwan Tri Riyadi; Apriani, Ani; Wahyudi, Rofiul; WaiShiang, Cheah; Suprihatin, -; Hidayat, Rahmat
JOIV : International Journal on Informatics Visualization Vol 8, No 1 (2024)
Publisher : Society of Visual Informatics

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62527/joiv.8.1.2364

Abstract

Categorical data clustering is difficult because categorical data lacks natural order and can comprise groups of data only related to specific dimensions. Conventional clustering, such as k-means, cannot be openly used to categorical data. Numerous categorical data using clustering algorithms, for instance, fuzzy k-modes and their enhancements, have been developed to overcome this issue. However, these approaches continue to create clusters with low Purity and weak intra-similarity. Furthermore, transforming category attributes to binary values might be computationally costly. This research provides categorical data with fuzzy clustering technique due to soft set theory and multinomial distribution. The experiment showed that the approach proposed signifies better performance in purity, rank index, and response times by up to 97.53%. There are many algorithms that can be used to solve the challenge of grouping fuzzy-based categorical data. However, these techniques do not always result in improved cluster purity or faster reaction times. As a solution, it is suggested to use hard categorical data clustering through multinomial distribution. This involves producing a multi-soft set by using a rotated based soft set, and then clustering the data using a multivariate multinomial distribution. The comparison of this innovative technique with the established baseline algorithms demonstrates that the suggested approach excels in terms of purity, rank index, and response times, achieving improvements of up to ninety-seven-point fifty three percent compared to existing methods.
Mediating Role Of Brand Image In Digital Marketing And E-WOM On Islamic Bank Customer Decisions Maulidia, Farah Esti; Adha, Mufti Alam; Wahyudi, Rofiul
JPS (Jurnal Perbankan Syariah) Vol 5 No 2 (2024): JPS (Jurnal Perbankan Syariah) - October
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v5i2.1969

Abstract

The present study aims to analyze the effects of digital marketing and Electronic Word of Mouth (E-WOM) on brand image, then examine the effects of digital marketing and Electronic Word of Mouth on the decision to be an Islamic bank customer and analyze the effects of digital marketing and Electronic Word of Mouth on the decision to be an Islamic bank customer through brand image as a mediating variable. The research type used in the present study was quantitative, using primary data obtained by distributing questionnaires. By distributing questionnaires, 100 respondent data was found and analyzed using SPSS version 26. The sampling techniques used by the author were the snowball sampling technique and nonprobability sampling. The criteria for the research sample were Islamic bank customers and social media users. Because the size of the research population was unknown, the present study used Lemeshow’s formula. The research results showed that digital marketing had a significant effect on brand image, Electronic Word of Mouth had a considerable effect on brand image, and digital marketing significantly affected the decision to become an Islamic bank customer. In contrast, Electronic Word of Mouth did not significantly affect the decision to be an Islamic bank customer. Brand image positively and significantly affects the decision to become a customer.
Analisis Literasi dan Inklusi Bank Syariah terhadap Keputusan Investasi dalam Kebijakan Lembaga sebagai Variabel Moderasi pada Pegawai Kementrian Agama Kabupaten Temanggung Puspitasari, Arum; Wahyudi, Rofiul
Islamic Economics, Finance, and Banking Review Vol. 2 No. 2 (2022): December
Publisher : Universitas Ahmad Dahlan

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

Abstract

Penelitian ini bertujuan untuk menguji pengaruh literasi dan inklusi bank syariah terhadap keputusan investasi yang di moderasi oleh kebijakan lembaga pada pegawai kementrian agama Kabupaten Temanggung. Penelitian ini menggunakan jenis kuantitatif dengan mengandalkan data primer berupa kuesioner sebanyak 130 responden. Populasi penelitian ini adalah pegawai kementerian agama Kabupaten Temanggung. Alat analisis yang digunakan dalam penelitian ini adalah uji statistik. Hasil penelitian ini menunjukkan bahwa secara parsial dan simultan literasi bank syariah dan inklusi bank syariah secara bersama-sama memiliki pengaruh signifikan terhadap keputusan investasi. Variable moderasi secara parsial menunjukkan hasil bahwa tidak signifikan variable moderasi kebijakan lembaga terhadap pengaruh literasi bank syariah dan inklusi bank syariah terhadap keputusan investasi. Sedangkan secara simultan moderasi kebijakan lembaga berpengaruh signifikan terhadap hubungan literasi dan inklusi bank syariah terhadap keputusan investasi.
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