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Optimalisasi Pemberdayaan Ekonomi Masyarakat Desa melalui Pendeka- tan OVOP Concept Based On Sharia Contract BUMDESMA Kampung Batik JUFRI, ACHMAD
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 4, No. 2 : Agustus 2017
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v4i2.5068

Abstract

Potensi penerapan ekonomi kreatif di pulau Madura sangat besar. Hal inidisebabkan oleh karena pulau Madura memiliki banyak kesenian. Salah satu ka-wasan yang memiliki kesenian yang dapat berkolaborasi dan bertranformasi men-jadi industry kreatif adalah kabupaten Pamekasan. Salah satu upaya untuk men-goptimalkan potensi ini dengan memanfaatkan Badan Usaha Milik Desa denganbaik. Pada tahun 2009, Kabupaten Pamekasan sempat dicanangkan menjadi Ka-bupaten batik. Namun, karena masih terdapat kendala dan permasalahan terkaitbahan baku, permodalan dan pemasaran, menyebabkan eksistensi desa pengrajinbatik belum kentara sehingga hanya ada satu desa yang dijadikan sebagai kam-pung batik oleh pemerintah kabupaten Pamekasan. Oleh karena perlu adanya op-timalisasi dan transformasi BUMDes melelui OVOP concept guna memberikan so-lusi konstruktif meningkatkan daya saing produk unggulan kampung batik. Selainitu agar tercipta penerapan gaya hidup halal, maka segala aktivitas BUMDesdidasarkan atas Sharia Contract. Penelitian ini menggunakan metode kualitatifdeskriptif dimana peneliti melakukan analisis terhadap fenomena/ kejadian factualterkait permasalahan di Desa terkait. Penelitian ini menghasilkan sebuah konsepoptimalisasi kinerja BUMDes yang cakupannya lebih diperluas tidak hanya men-erapkan satu desa satu komoditas, namun menggandeng beberapa desa yang mem-iliki potensi yang sama untuk memproduksi satu komoditas unggulan. Dalam halini dibentuk BUMDESMA Kampung Batik. Selain itu, upaya optimalisasi ini akandilakukan mulai dari hulu sampai hilir dengan membentuk komunitas produsen ba-han baku, komunitas pemotif dan pewarnaan. Komunitas desainer dan konveksi,komunitas marketing dan komunitasn penanganan limbah batik.
How Long Can Macroeconomic Variables Affect the Islamic Index in Indonesia? Jufri, Achmad; Sakinah, Sakinah
EQUILIBRIUM Vol 10, No 2 (2022): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v10i2.16707

Abstract

This study aimed to examine the effect of macroeconomic variables' lags on Indonesia's Islamic index. The influence of lag can determine how long macroeconomic variables affect the Islamic index. The macroeconomic variables observed for their impact on the Islamic index are inflation, industrial production index, interest rates, exchange rates, gold prices, money supply, and world oil prices from May 2011 to December 2021. The approach used is the Autoregressive Distributed Lag (ARDL) model. The results show that the lags of macroeconomic variables influence the sharia index. The time it takes to affect the stock varies. Inflation, gold prices, and the money supply need a minimum of 1 month to affect stock prices. Industrial production indices and exchange rates have a high-speed ability to influence stock price movements at that time. Interest rates and world oil prices take at least three months to affect stock prices.
Comparative Analysis of Company Profitability in the Financial Sector Before and During the Covid-19 Pandemic Elfaz, Maulanisa Arifa; Hayya, Najwa Khairina; Aulia, I'anatul; Jufri, Achmad; Darmawan, Darmawan
Journal of Economics and Public Health Vol 1 No 4 (2022): Journal of Economics and Public Health: December 2022
Publisher : Global Health Science Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37287/jeph.v1i4.1353

Abstract

This study aims to find out how the level of profitability of a company by using the ratio of ROA (Return on Assets), ROE (Return on Equity), and NPM (Net Profit Margin) in the financial sector. This study uses a quantitative descriptive research method. The type of data in this study is secondary data taken from the financial statements of PT BFI Finance Indonesia Tbk. and PT Bank Pan Indonesia Tbk. over an eleven year period. The data collection technique used for recording is data obtained from the financial statements of PT. Bank Pan Indonesia Tbk. and PT BFI Finance Indonesia Tbk. in the form of a balance sheet and income statement for 2011-2021. The results of the research based on the analysis of the profitability of the two companies in the financial sector show that ROA fluctuated from 2011 - 2021. The results of the calculations show that the ratio of profitability of NPM and ROA of PT. BFI Finance Indonesia Tbk. better than PT. Bank Pan Indonesia Tbk, meaning PT. BFI Finance Indonesia Tbk., is more effective and efficient in managing costs in the sales process, thus obtaining a higher net profit from sales. While the ROE ratio of PT. Bank Pan Indonesia Tbk. better than PT. BFI Finance Indonesia Tbk. NPM and ROA profitability ratios at PT. Bank Pan Indonesia Tbk. still under PT. BFI Finance Indonesia Tbk. This shows that the company's performance is not good based on its profitability ratio. It can be concluded that PT BFI Finance Indonesia Tbk is a better company than PT Bank Pan Indonesia Tbk based on the calculation of the probability ratio.
Analysis Of The Financial Performance Of Pt Bank Rakyat Indonesia (PERSERO) TBK For The 2012-2021 Period Jufri, Achmad; Arifina, Mufti; Darmawan, Darmawan
JEKP (Jurnal Ekonomi dan Keuangan Publik) Vol 10 No 2 (2023): JEKP (Jurnal Ekonomi dan Keuangan Publik)
Publisher : Fakultas Manajemen Pemerintahan, Institut Pemerintahan Dalam Negeri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33701/jekp.v10i2.3459

Abstract

This analysis aims to determine the performance effectiveness of PT Bank Rakyat Indonesia (Persero) Tbk 2012-2021. This analysis uses descriptive quantitative research methods, in this case using several financial ratios: liquidity, activity, probability, solvency, and working capital. The study was carried out from 2012 to 2021. Based on this analysis, the financial performance of PT Bank Rakyat Indonesia (Persero) Tbk in terms of liquidity ratios is quite good because the company can pay debts at maturity. The solvability ratio is in good condition because the company has increased yearly in fulfilling all of its obligations. Meanwhile, the activity ratio of the company's financial performance worsened/poorly.
Analysis of Financial Statement Performance in the Textile Industry for the 2012-2021 Period Jufri, Achmad; Faidatul Awwalien; Minhatus Salaamah; Ramiatin Lidia; Darmawan
International Journal of Economics, Business, and Entrepreneurship Vol 6 No 2 (2023): IJEBE July - December 2023
Publisher : FEB - Universitas Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23960/ijebe.v6i2.250

Abstract

This study aims to determine the financial performance of three textile companies, namely PT. Asia Pacific Investama (MYTX), PT. Asia Pacific Fibers (POLY), and PT. Sri Rejeki Isman (SRIL) in the last ten years, 2012-2021. This study uses a quantitative-descriptive method with the type of data used is secondary data, obtained from the annual financial statements of each company at IDN Financial with the analysis using liquidity ratios including current ratio and quick ratio, solvency ratio including debt to assets ratio (DAR) and debt to equity ratio (DER), and profitability ratios include net profit margin (NPM) and return on assets (ROA) methods. The results based on the calculation of the liquidity ratio found that the performance of MYTX is not good, POLY is not good, and SRIL is quite good in the Current Ratio and Quick Ratio. In the solvency ratio, it was found that the performance of MYTX was quite good, POLY was not good, and SRIL was quite good in DAR. In contrast, the performance of the three companies is quite good in DER. And on the profitability ratios, it was found that the performance of the three companies is quite good in ROA or NPM.
A Bibliometric Analysis of Tax Avoidance Research in Indonesia Maulana, Ilham; Jufri, Achmad
TIJAB (The International Journal of Applied Business) Vol. 9 No. 1 (2025): APRIL 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/tijab.v9.I1.2025.58186

Abstract

Background: Tax avoidance in Indonesia significantly impacts state revenues and public trust in the tax system. Despite various tax reforms to improve efficiency, administrative complexity and low compliance persist. Bibliometric analysis is crucial for evaluating research development and trends, offering insights into influential studies, authors, and gaps in tax avoidance research. Objective: This study aims to provide a comprehensive overview of tax avoidance research in Indonesia through bibliometric analysis, identifying research trends, influential authors, and gaps in the existing literature. Method: The study employs bibliometric analysis to collect and analyze data on tax avoidance in Indonesia from scientific publications. It includes citation analysis, network analysis, and data visualization using tools like Bibliometrix and VOSviewer to uncover research patterns and trends. Results: The analysis reveals significant growth in tax avoidance research in Indonesia. It identifies various factors influencing tax avoidance behaviour, methods used by taxpayers, and the impact on the economy and tax system. The study highlights the most productive authors and institutions, frequently discussed topics, and collaboration networks among researchers. Conclusion: The bibliometric analysis offers a detailed and contextual understanding of tax avoidance research in Indonesia. It highlights strengths and weaknesses in the literature and provides recommendations for future research, focusing on issues relevant to the Indonesian context. This study aims to support policymakers, academics, and practitioners in developing strategies to combat tax avoidance and enhance tax compliance. Keywords: Bibliometric; Bibliometrics; VOSviewer; Tax Avoidance.
Risk Mitigation Strategy in Financing Without Collateral at PT. BPRS Sarana Prima Mandiri Pamekasan Iqbal Rafiqi; Ulum, Miftahul; Hidayat, Moh. Helmi; Jufri, Achmad
Journal of Islamic Economics Perspectives Vol. 5 No. 2 (2023): September (2023) Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/jiep.v5i2.119

Abstract

Financing without collateral BPRS SPM Pamekasan is proliferating. Every year there is always an increase in customers by 75% from an average of 35%. The problem raised in this research is how to implement collateral-free financing and risk mitigation. This research is descriptive qualitative research with a case study model. Data collection techniques use observation, interviews, and documentation related to risk mitigation of collateral-free financing at BPRS Sarana Prima Mandiri Pamekasan. The results of this study indicate (1). PT. BPRS Sarana Prima Mandiri can provide financing for productive businesses. The customer's business funding needs are financed 100% by the BPRS SPM. The customer is the business manager, and the maximum period is six months. The payment procedure is carried out every day, while profit sharing is done once a month, which will be disbursed when the financing is said to be paid off. (2). The risk mitigation process carried out by BPRS Sarana Prima Mandiri Pamekasan is risk identification, namely looking at the character of the prospective customer, working capital capabilities, income that does not exceed the payment ability of the prospective customer, and education on customer product marketing.
Analisis Halal Awareness Mahasiswa Muslim terhadap Makanan Halal di Pamekasan, Madura, Jawa Timur Jufri, Achmad
JURNAL EKONOMI SYARIAH Vol 7, No 2 (2022): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v7i2.5368

Abstract

Religiusitas merupakan salah satu faktor yang mempengaruhi kesadaran halal masyarakat muslim. Artikel ini merupakan hasil survei dari sebuah komunitas yang dikenal religiositasnya, yaitu masyarakat Pamekasan, Madura, Jawa Timur. Artikel ini bertujuan untuk mendeskripsikan bagaimana religiusitas tercermin dalam perilaku masyarakat khususnya mengenai kesadaran akan kehalalan makanan yang dikonsumsi atau sebaliknya yaitu masyarakat kurang berhati-hati karena berada di lingkungan yang sangat religius. Pendekatan yang digunakan dalam penelitian ini adalah pendekatan kualitatif. Metode analisisnya adalah deskriptif. Jenis data dalam penelitian ini adalah data primer yang diperoleh dengan menggunakan metode pengumpulan data berupa angket yang dibagikan kepada 114 mahasiswa muslim di Pamekasan. Sebagai pengantar, penulis mencoba mendeskripsikan kentalnya Islam di Madura, khususnya di PamekasanJawa Timur. Ditemukan bahwa pengetahuan mahasiswa muslim di Pamekasan Jawa Timur tentang konsep halal, istilah bahan makanan non halal, memperhatikan logo halal, pengenalan logo halal resmi, dan kecenderungan memperhatikan komposisi produk yang tidak berlabel halal sudah tinggi.Â