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Analyzing factors that influence syariah commercial bank financial performance in indonesia based on syariah Enterprise theory (set) perspective Fitriani, Ajeng Pipit; ,, Sutrisno; Rahman, Aulia Fuad
Jurnal Akuntansi Vol 22, No 2 (2018): May 2018
Publisher : Fakultas Ekonomi dan Bisnis Universitas Tarumanagara

This research purpose is to test empirically and analyze the influence of zakat, qardh, murabahah, mudharabah, musyarakah, and corporate social responsibility (CSR) towards financial performance (ROA) Commercial Bank Syariah in Indonesia in 2012-2016 period of time. The analyzing technique used double linear regression. Research population is Syariah Commercial Bank listed in Financial Service Authority (in Indonesia called OJK) year 2012-2016. The sample taken by using purposive sampling, within the Syariah Commercial Bank criteria that showed the financial report in 2012-2016 period. The data taken based on publication that conducted by the enlisted Banks. Thus, the number of taken samples is 10 out of 13 Syariah Commercial Bank in Indonesia. The research result showed that zakat, qardh, and murabahah does not affect the Syariah Commercial Bank financial performance. Mudharabah and corporate social responsibility (CSR) showed significant negative influence towards Syariah Commercial Bank financial performance, while musyarakah affects significantly positive toward Syariah Commercial Bank financial performance in Indonesia.

EFISIENSI BIROKRASI LAYANAN KONSUMEN: IMPLEMENTASI PROGRAM ONLINE SERVICE Wijayanti, Iin; Fitriani, Ajeng Pipit; Wardhani, Diana Pramudya
Jurnal Manajemen Dayasaing Vol 22, No 2 (2020): Jurnal Manajemen Daya Saing
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/dayasaing.v22i2.12046

Perkembangan teknologi yang semakin maju, menjadi kesempatan bagi pemerintah, khususnya pemerintah daerah yaitu pada Dinas Penanaman Modal dan Pelayanan Terpadu Satu Pintu Kabupaten Ponorogo untuk juga menerapkan ke dalam program pelayanan masyarakat. Pelayanan yang didukung dengan kemajuan teknologi diharapkan dapat mempermudah kinerja Dinas Penanaman Modal dan Pelayanan Terpadu Satu Pintu Kabupaten Ponorogo sehingga pelayanan yang diberikan kepada masyarakat dapat semakin cepat dan tepat. Hal ini dapat meningkatkan kepuasan masyarakat terhadap pelayanan pemerintah yang selama ini dinilai sangat panjang karena terikat aturan birokrasi yang bertingkat.Penelitian ini merupakan penelitian kualitatif dengan teknik pengumpulan data wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwa program online service telah dilaksanakan dan dapat memangkas birokrasi. Pengurusan perizinan tidak perlu datang ke kantor, tetapi dengan menggunakan aplikasi yang dapat dilaksanakan dimanapun pemohon berada. Hal yang menjadi perhatian adalah banyak masyarakat yang belum memahami bagaimana cara menggunakan aplikasi online dan akses jaringan internet belum sepenuhnya mendukung sehingga masih banyak masyarakat yang mengurus perizinan melalui kantor Dinas Penanaman Modal dan Pelayanan Terpadu Satu Pintu KabupatenPonorogo.

Fintech Peer-to-Peer Lending in Digital Financial Applications from the Perspective of Maqashid Shariah Nafisha Asyifana; Fitriani, Ajeng Pipit
Journal of Islamic Economics (JoIE) Vol. 4 No. 1 (2024)
Publisher : Prodi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/joie.v4i1.9446

Introduction: Currently, humanity is in the era of Society 5.0, characterized by the concept of humanizing humans with technology. This era enables humans to derive benefits from technological advancements. The emergence of fintech represents a breakthrough and innovation in the field of financial services, providing both financial solutions and intermediation. This research aims to determine the implementation of maqashid shariah in fintech peer-to-peer (P2P) lending, assess the impact of implementing maqashid shariah in fintech P2P lending, and examine the relevance of fintech P2P lending to the development of shariah banking. Research Method: This study is a type of library research employing a qualitative approach. Data collection techniques include interviews and documentation. The research findings indicate that PT Ammana Fintek Syariah's fintech P2P lending aligns with the principles of maqashid shariah. Results: It has been demonstrated that Ammana Shariah fintech has fulfilled the five maqashids of shariah: protecting of religion, protecting of life, protecting of lineage, protecting of intellect, and protecting of property. Conclusion: The implementation of maqashid shariah in fintech P2P lending at Ammana has two main impacts: first, the impact on business actors, and second, the impact on fund owners. The presence of fintech encourages shariah banking to innovate in technology, thereby enhancing financial services and evaluating business models.

Peran Akuntan Syariah dalam Menghadapi Society 5.0 Pada Era VUCA Fitriani, Ajeng Pipit
Etihad: Journal of Islamic Banking and Finance Vol. 2 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v2i1.4464

The sharia accountant profession faced many challenges in the VUCA era, which was an era full of uncertainty the loss of existing barriers in the business world. It is an obligation for sharia accountants to be able to answer all existing challenges so that they can continue to hold the accountant profession professionally and not abandon sharia principles. This research uses a qualitative approach with literature review analysis taken from various existing sources and relevant to the research discussion. From the results of the analysis carried out, it was found that to face society 5.0 in the VUCA era, there are several strategies that must be carried out by Sharia accountants. The first is to stick to sharia principles, develop digital skills, and be sensitive to technological developments. Based on this discussion, it can be concluded that Sharia accountants have a very large role in facing society 5.0 in the VUCA era which is strategic and consultative.Profesi akuntan syariah menghadapi banyak sekali tantangan pada era VUCA, yang merupakan sebuah era yang penuh dengan ketidakpastian dan hilangnya sekat-sekat yang ada dalam dunia usaha. Menjadi sebuah kewajiban bagi akuntan syariah untuk dapat menjawab seluruh tantangan yang ada hingga dapat terus memegang profesi akuntan dengan profesional dan tidak meninggalkan prinsip syariah. Penelitian ini menggunakan pendekatan kualitatif dengan analisis literature review yang diambil dari berbagai sumber yang ada dan relevan dengan pembahasan penelitian. Dari hasil analisis yang dilakukan ditemukan hasil bahwa untuk menghadapi society 5.0 pada era vuca, ada beberapa strategi yang harus dilakukan oleh akuntan syariah. Pertama yaitu berpegang teguh pada prinsip-prinsip syariah, melakukan pengembangan dalam kecakapan digital, serta peka terhadap perkembangan teknologi. Berdasarkan pembahasan tersebut dapat disimpulkan bahwa akuntan syariah memiliki peran yang sangat besar dalam menghadapi society 5.0 pada era VUCA yang bersifat strategis maupun konsultatif.

Fintech Peer-to-Peer Lending in Digital Financial Applications from the Perspective of Maqashid Shariah Nafisha Asyifana; Fitriani, Ajeng Pipit
Journal of Islamic Economics (JoIE) Vol. 4 No. 1 (2024)
Publisher : Prodi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/joie.v4i1.9446

Introduction: Currently, humanity is in the era of Society 5.0, characterized by the concept of humanizing humans with technology. This era enables humans to derive benefits from technological advancements. The emergence of fintech represents a breakthrough and innovation in the field of financial services, providing both financial solutions and intermediation. This research aims to determine the implementation of maqashid shariah in fintech peer-to-peer (P2P) lending, assess the impact of implementing maqashid shariah in fintech P2P lending, and examine the relevance of fintech P2P lending to the development of shariah banking. Research Method: This study is a type of library research employing a qualitative approach. Data collection techniques include interviews and documentation. The research findings indicate that PT Ammana Fintek Syariah's fintech P2P lending aligns with the principles of maqashid shariah. Results: It has been demonstrated that Ammana Shariah fintech has fulfilled the five maqashids of shariah: protecting of religion, protecting of life, protecting of lineage, protecting of intellect, and protecting of property. Conclusion: The implementation of maqashid shariah in fintech P2P lending at Ammana has two main impacts: first, the impact on business actors, and second, the impact on fund owners. The presence of fintech encourages shariah banking to innovate in technology, thereby enhancing financial services and evaluating business models.

Transforming Accounting System With Blockchain Technology Implementation Fitriani, Ajeng Pipit
Etihad: Journal of Islamic Banking and Finance Vol. 4 No. 2 (2024)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v4i2.10069

Introduction: The increasing need for transparency and accountability in financial reporting has highlighted significant shortcomings in traditional accounting systems, particularly data manipulation and fraud. This research explores the potential of blockchain technology, a decentralized ledger introduced through Bitcoin, as a transformative solution to these issues. Research Methods: This study uses a qualitative descriptive design because this study describes the details and interprets the initial data, symptoms and phenomena obtained during the study. This study is a qualitative study using a library research approach. Results: The findings demonstrate that blockchain can significantly improve data reliability through its key features, including immutability, decentralization, transparency, and enhanced security. Furthermore, blockchain offers operational efficiencies in financial reporting, mainly through transaction automation, real-time auditability, and cost reduction. Conclusion: This study finds that Blockchain provides data reliability assurance through an immutable and distributed system, minimizing the risk of data manipulation or fraud.

Strategi Pemasaran Dan Literasi Syariah Dalam Mendukung Pemberdayaan UMKM Masyarakat Fitriani, Ajeng Pipit; Aldzu Pazeroma; Dwi Rahayu
Amaluna: Jurnal Pengabdian Masyarakat Vol. 1 No. 2 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/amaluna.v1i2.1457

Broto Village is one of the villages in Slahung sub-district, Ponorogo district that has many village assets that have the potential to be developed, especially small snack food processing industries such as processed bananas, corn and family medicine (TOGA). The products of small industries that can be marketed today are sale of bananas, banana chips, corn marning, and various processed herbal medicine TOGA. However, it is very unfortunate that the sales of various processed snacks have not been maximized, due to the lack of marketing strategies both in terms of packaging and in terms of promotion. This is due to the lack of ability of Small and Medium Enterprize (UMKM) actors in terms of branding, packaging, and promotions both offline and online. Departing from the assets of the Small and Medium Enterprize (UMKM) actors who already have this small business, this management seminar and marketing strategy is feasible to carry out. In the implementation of the seminar, the enthusiasm of Small and Medium Enterprize (UMKM) actors was extraordinary. They participated in seminar activities from beginning to end. After the seminar, Small and Medium Enterprize (UMKM) actors also tried to apply the knowledge they had gained, by improving branding, packaging, starting to promote their products through social media and recording sales in the cash book. The results of the evaluation show the ability of Small and Medium Enterprize (UMKM) actors to increase. And, of course, a comprehensive evaluation and ongoing assistance will be needed in the future.

The Influence of Brand Image, Service Quality, and Halal Awareness on Purchase Decisions in Ponorogo’s Bakery MSMEs Kartika, Amelia; Fitriani, Ajeng Pipit
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 1 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i1.794

In today's highly competitive business environment, especially among bakery MSMEs in Ponorogo, maintaining a strong brand image, delivering quality service, and promoting halal awareness have become essential strategies to influence consumer purchasing decisions. This study aims to examine the effects of brand image, service quality, and halal awareness on purchase decisions in the context of local bakery MSMEs. Employing a quantitative method with accidental sampling, the data were analyzed using descriptive statistics, validity and reliability tests, classical assumption tests, hypothesis testing, multiple regression, and coefficient of determination (R²) analysis. The findings reveal that brand image has no significant effect on purchase decisions (sig. > 0.05), indicating varying consumer perceptions. Conversely, service quality and halal awareness both have a positive and significant influence (sig. < 0.05), emphasizing their roles in shaping consumer choices. The model accounts for 60.4% of the variance in purchase decisions (R² = 0.604), and the F-test confirms that all three variables jointly affect consumer purchasing behavior.

Peran Akuntan Syariah dalam Menghadapi Society 5.0 Pada Era VUCA Fitriani, Ajeng Pipit
Etihad: Journal of Islamic Banking and Finance Vol. 2 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v2i1.4464

The sharia accountant profession faced many challenges in the VUCA era, which was an era full of uncertainty the loss of existing barriers in the business world. It is an obligation for sharia accountants to be able to answer all existing challenges so that they can continue to hold the accountant profession professionally and not abandon sharia principles. This research uses a qualitative approach with literature review analysis taken from various existing sources and relevant to the research discussion. From the results of the analysis carried out, it was found that to face society 5.0 in the VUCA era, there are several strategies that must be carried out by Sharia accountants. The first is to stick to sharia principles, develop digital skills, and be sensitive to technological developments. Based on this discussion, it can be concluded that Sharia accountants have a very large role in facing society 5.0 in the VUCA era which is strategic and consultative.Profesi akuntan syariah menghadapi banyak sekali tantangan pada era VUCA, yang merupakan sebuah era yang penuh dengan ketidakpastian dan hilangnya sekat-sekat yang ada dalam dunia usaha. Menjadi sebuah kewajiban bagi akuntan syariah untuk dapat menjawab seluruh tantangan yang ada hingga dapat terus memegang profesi akuntan dengan profesional dan tidak meninggalkan prinsip syariah. Penelitian ini menggunakan pendekatan kualitatif dengan analisis literature review yang diambil dari berbagai sumber yang ada dan relevan dengan pembahasan penelitian. Dari hasil analisis yang dilakukan ditemukan hasil bahwa untuk menghadapi society 5.0 pada era vuca, ada beberapa strategi yang harus dilakukan oleh akuntan syariah. Pertama yaitu berpegang teguh pada prinsip-prinsip syariah, melakukan pengembangan dalam kecakapan digital, serta peka terhadap perkembangan teknologi. Berdasarkan pembahasan tersebut dapat disimpulkan bahwa akuntan syariah memiliki peran yang sangat besar dalam menghadapi society 5.0 pada era VUCA yang bersifat strategis maupun konsultatif.

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