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All Journal J-Dinamika: Jurnal Pengabdian Kepada Masyarakat Justisia Ekonomika JURNAL EKONOMI SYARIAH El-kahfi : Journal of Islamic economics International Journal of Multidisciplinary: Applied Business and Education Research
Wisandani, Iwan
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Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Medicine & Pharmacology Social Sciences

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Keberhasilan Upaya Pemberdayaan Ekonomi Perempuan Anggota KOPMU Daarut Tauhiid melalui Penerapan Social Entrepreneurship Nasution, Fatimah Zahra; Sukmawati, Heni; Wisandani, Iwan
J-Dinamika : Jurnal Pengabdian Masyarakat Vol 9 No 2 (2024): Agustus
Publisher : Politeknik Negeri Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25047/j-dinamika.v9i2.4489

Abstract

Pemberdayaan ekonomi perempuan berfokus pada kemampuan perempuan untuk memperoleh akses dan kontrol atas sumber daya produktif dan diakui sebagai partisipasi penuh pelaku ekonomi. Perempuan harus memiliki otonomi dan kepercayaan diri untuk melakukan perubahan kehidupan mereka sendiri, termasuk memiliki hak pilihan dan kekuasaan untuk menentukan keputusan, menikmati kesempatan yang berimbang dengan laki-laki dan mendapatkan kebebasan dari kekerasan. Proses pemberdayaan ekonomi perempuan dapat dilakukan melalui program kewirausahaan. Salah satu komunitas yang menjadi basis pemberdayaan ekonomi perempuan adalah para perempuan muslim anggota Koperasi Pemberdayaan Ummat Daarut Tauhiid (KOPMU-DT) yang tersebar di kota Tasikmalaya, Kabupaten Tasikmalaya, dan Kabupaten Ciamis. Melihat bagaimana pentingnya peran perempuan dalam pembangunan masyarakat produktif maka kegiatan “pemberdayaan ekonomi perempuan melalui social entrepreneurship” dapat menjadi solusi atas permasalahan keterbatasan pengetahuan dan keterampilan mengenai wirausaha dan manajemen usaha. Setelah menganalisis permasalahan dan potensi mitra sasaran, program pemberdayaan ini dibagi menjadi dua, yakni: a) kegiatan penyuluhan kewirausahaan dan manajemen usaha, pelatihan pembuatan tempe, lilin aroma terapi dari limbah minyak jelantah, dan hidangan dessert berbahan bunga telang bagi anggota yang belum berwirausaha dan b) kegiatan penyuluhan manajemen usaha, workshop pemasaran dan manajemen keuangan usaha, serta kegiatan bazaar produk bagi anggota yang sudah berwirausaha. Kegiatan ini berhasil meningkatkan pengetahuan dan keterampilan berwirausaha, manajemen usaha, dan keterampilan memproduksi barang sehingga terjadi peningkatan pendapatan dan tercapainya kemandirian ekonomi perempuan anggota KOPMU-DT Tasikmalaya.
Analysis of MSMEs in Tasikmalaya City Based on Business Characteristics and Scale Sukmawati, Heni; Nasution, Fatimah Zahra; Wisandani, Iwan; Mutmainah, Luliyatul
JURNAL EKONOMI SYARIAH Vol 9, No 2 (2024): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v9i2.12828

Abstract

Introduction to The Problem: The role of MSMEs in the Indonesian economy is very important, including contributing to labor absorption, driving economic growth, GDP and investment as well as economic equality. However, there is a gap in information about MSMEs regarding their characteristics, business scale and distribution, causing information regarding MSMEs to be less detailed, less up to date and difficult to obtain for the development of MSMEs themselves.Purpose/Objective Study: This research aims to collect and analyze data on MSMEs in Tasikmalaya City based on their characteristics and business scale.Design/Methodology/Approach: This research method was carried out using a qualitative descriptive approach. This research collected primary data through interviews and questionnaires and secondary data through databases from related agencies and the entrepreneurial community in Tasikmalaya City. After that, the data is verified and classified based on the characteristics and scale of the business which is presented in table and info graphic form.Findings: This research finds that the number of MSMEs in Tasikmalaya City obtained from primary and secondary data in 2023 will reach 3751 MSMEs. However, only a small portion of MSMEs have complete data and information. The district with the largest number of MSMEs is Cihideung District with 2761 MSMEs and the district with the smallest number of MSMEs is Purbaratu District with 7 MSMEs. The three most common types of business fields are trade, industry and services. The results of this research can be used as information in making decisions regarding MSME research and development programs in Tasikmalaya City.Paper Type: Research ArticleKeywords: MSMEs; Characteristics; Business Scale; Development
Efficiency Strategy for Indonesian Islamic Commercial Banks During the Covid-19 Pandemic Wisandani, Iwan; Sukmawati, Heni
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 4 No. 4 (2023): International Journal of Multidisciplinary: Applied Business and Education Rese
Publisher : Future Science / FSH-PH Publications

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijmaber.04.04.02

Abstract

Islamic Commercial Banks must be aware of their degree of efficiency to optimize each bank's potential and take advantage of every opportunity. For a bank to succeed, its operations must be efficient; if they are, the value of the business will rise. This investigation used 12 Islamic commercial banks as its subject to assess the level of efficacy of Islamic retail banks in Indonesia. The data analysis method in this study is the Data Envelopment Analysis (DEA) method using the Charnes Chooper and Rhoodes (CCR) model, specifically the Constant Return to Scale (CRS) approach. The two variables employed in this study were used as input and output variables. TPF, Assets, Operational Costs, and Non-Operational Costs are the input variables. The function of funding is the output variable—income from operations and non-operational sources. In addition, a SWOT analysis is conducted based on the findings of the DEA study to determine the strategies used during the Covid-19 pandemic. According to the Input and Output method, two banks have been inefficient for 4 years, and five have changed BUS efficiency from 2015 to 2018. BTPN Syariah, BJB Syariah, Bank Mega Syariah, Bank Syariah Bukopin, Bank Victoria Syariah, and Bank Panin Dubai Syariah are the five (five) banks in question. The average efficiency of Indonesia's Islamic Commercial Banks for that period, from 2015 to 2018, was 91%, which suggests that despite falling short of 100% (excellent).
Determinants of Profitability in BCA Syariah: The Role of NPF, FDR, and DER from 2015-2023 Permatasari, Diah; Wisandani, Iwan; Andani, Listia; Mustika Sari, Feni
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 02 (2025): Islamics Economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i02.563

Abstract

Islamic banking in Indonesia has shown consistent growth, making profitability a crucial indicator of financial health and competitiveness. This study examines the effect of non-performing financing (NPF), financing-to-deposit ratio (FDR), and debt-to-equity ratio (DER) on return on equity (ROE) at BCA Syariah during 2015–2023. Using a quantitative associative design, we obtained 36 annual observations from financial statements and applied panel regression to evaluate both simultaneous and partial effects. The results indicate that NPF, FDR, and DER jointly influence ROE. Partially, NPF exerts no significant effect, FDR has a significant negative impact, while DER shows a positive but insignificant relationship with ROE. The dominance of FDR highlights the central role of liquidity management compared to credit risk and capital structure.The novelty of this study lies in its contrast with prior findings, where NPF is typically found to significantly reduce profitability. In BCA Syariah’s case, strong risk management and stable financing quality appear to mitigate the adverse effects of NPF, making liquidity pressure (FDR) the primary determinant of profitability. Theoretically, this extends the literature on Islamic banking profitability by showing that the impact of financing risk may be context-specific and shaped by internal bank governance. Practically, the findings suggest that BCA Syariah should continue improving financing quality while prioritizing stricter management of third-party funds, thereby strengthening profitability and enhancing its competitive position in the Islamic banking sector.
ANALISIS PENERAPAN FATWA ZAKAT MAJELIS ULAMA INDONESIA PADA LEMBAGA AMIL ZAKAT NASIONAL DOMPET PEDULI UMAT DAARUT TAUHID PRIANGAN TIMUR wisandani, iwan
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 4 No 2 (2020)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v4i2.6865

Abstract

This study is entitled "Analysis of the Application of the Fatwa of Zakat of the Indonesian Ulema Council at the National Zakat Amil Institute for the Care of the People of Daarut Tauhid East Priangan". In Indonesia, all Islamic Financial Institutions including Sharia Social Institutions in conducting their operations are based on the MUI fatwa.This research is a qualitative research with content analysis and phenomenological methods, with the following activities: The research will be carried out for six months, tracing literature studies and documents related to zakat fiqh, especially zakat issue fatwas issued by the Fatwa Commission and the National Sharia Council of the Indonesian Ulama Council. , then observations and interviews with amillin at the National Amil Zakat Institution, Dompet Peduli Umat Daarut Tauhid East Priangan, to get an overview of the mechanism for managing zakat.The results showed that the DPU DT in carrying out its activities always adheres to the MUI fatwa on the issue of zakat management. Although there are technical matters which are the policies of zakat managers. DPU DT views that the MUI Fatwa is needed to provide certainty in carrying out zakat management activities so that they run well and correctly and succeed for the prosperity of the community.Key Word : Fatwa Zakat, MUI, Daarut Tauhid
Co-Authors Andani, Listia Diah Permatasari, Diah Fatimah Zahra Nasution, Fatimah Zahra Mustika Sari, Feni Mutmainah, Luliyatul Sukmawati, Heni