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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Jurnal Pemberdayaan Masyarakat Madani (JPMM) Bahastra: Jurnal Pendidikan Bahasa dan Sastra Indonesia Jurnal Ilmiah Wahana Pendidikan International Journal of Engagement and Empowerment (IJE2) Review of Multidisciplinary Education, Culture and Pedagogy (ROMEO) Jurnal Pustaka Mitra : Pusat Akses Kajian Mengabdi Terhadap Masyarakat Journal of Economics Research and Policy Studies ANWARUL: Jurnal Pendidikan dan Dakwah Jeksyah Jurnal Serambi Ekonomi dan Bisnis Cendikia: Jurnal Pendidikan dan Pengajaran Bina Sehat Masyarakat Jurnal Akuntansi, Perpajakan dan Auditing Jurnal Penelitian dan Pengkajian Ilmiah Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi Jurnal Ilmiah Nusantara Ekopedia: Jurnal Ilmiah Ekonomi Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi
Zahra, Siti Fatimah
Unknown Affiliation
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Immunology & microbiology Languange, Linguistic, Communication & Media Library & Information Science Mathematics Medicine & Pharmacology Neuroscience Nursing Public Health Social Sciences Other

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MSME Financing in Indonesia Islamic Banks: Impact of Third-Party Funds, ROA, and FDR Rahmanisa Aulia Safitri; Mukhtar, Saparuddin; Zahra, Siti Fatimah
Jeksyah: Islamic Economics Journal Vol. 4 No. 01 (2024): May 2024 Edition
Publisher : Fakultas Ekonomi dan Bisnis Islam _ IAIN Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/jeksyah.v4i01.1507

Abstract

This research aims to analyze the internal factors of banks that influence the distribution of MSME financing at Sharia Commercial Banks. The internal factors in question are seen in terms of Bank Assets, Profitability, and Liquidity. This point of view is measured by the independent variables, namely Third-Party Funds, Return on Assets, and Financing to Deposit Ratio. This research uses time series data sourced from the Otoritas Jasa Keuangan for the period January 2021 - December 2023. Multiple regression models are used for research that employs more than one independent variable. The parameters of multiple linear regression models were estimated using the ordinary least square (OLS) method. This research analyzed publication data from the Otoritas Jasa Keuangan, covering 13 Sharia Commercial Banks, and data from various relevant journals using Eviews 10. The results of the research and hypothesis testing conducted showed that: First, partially, the Third-Party Funds and Financing to Deposit Ratio variables have a significant positive effect on MSME Financing, while the Return on Assets variable has a nonsignificant negative effect on MSME Financing for Sharia Commercial Banks. Second, simultaneously, Third Party Funds, Return on Assets, and Financing to Deposit Ratio have a significant positive effect on MSME Financing at Sharia Commercial Banks. With these results, it is hoped that this research can contribute to policy or decision making for Sharia Commercial Banks to increase financing to the MSME sector, both working capital financing and investment financing for the MSME sector in Indonesia.
Stability Measurement of Dual Banking System in Indonesia: Markov Switching Approach Zahra, Siti Fatimah; Ascarya, A; Huda, Nurul
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 10 No. 1 (2018)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v10i1.5867

Abstract

Various macro and microeconomic shocks that occur during this time suggest the potential for financial instability. This study attempts to analyze the influence of macro and microeconomic variables of the dual banking stability in Indonesia and compares the stability level of both banking system by using two similar stability measurement models namely the Z-score and Banking Stability Index. The method used in this is a Markov Switching VAR. The results of this study described through two analyze: First, the calculation index of financial stability with Z-score and BSI. Second, results of Markov-Switching prove that the sharia banking system has a higher level of stability compared to the conventional banking system. It means sharia banking is more stable than conventional ones.DOI: 10.15408/aiq.v10i1.5867 
Pengembangan Website "Budisah" dalam Meningkatkan Pemahaman Kebudayaan Islam Madinah pada Siswa Kelas IV SD Senja, Nuuran Raudha; Nisa, Siti Choirun; Zahra, Siti Fatimah; Aeni, Ani Nur
ANWARUL Vol 5 No 3 (2025): JUNI
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/anwarul.v5i3.5538

Abstract

This research aims to develop and evaluate the "BUDISAH" (Culture and History of the Migration of Prophet Muhammad SAW) website based on Google Sites as a learning media for Islamic Religious Education (PAI) for fourth-grade elementary school students. The research method used is Design and Development (D&D) with the ADDIE model (Analysis, Design, Development, Implementation, Evaluation). The development process involves analyzing students' needs, designing a user-friendly interface, and integrating multimedia elements such as text, images, animated videos, and interactive quizzes. Implementation was conducted at Gunungsari Elementary School involving 16 fourth-grade students. Evaluation results indicate that this website received positive feedback from content expert validators, media experts, and students. The "BUDISAH" website is considered effective in enhancing students' understanding of the material on the migration of Prophet Muhammad SAW to Medina and in increasing students' interest in learning. However, there are some technical constraints, such as limited supporting devices, that affect the implementation. Overall, this website is deemed suitable for use as an innovative learning media at the elementary school level.
Pola Religius Social Support Komplementer Strategi Kolaborasi Keluarga Dan Pesantren Dalam Menguatkan Resiliensi Dan Karakter Beragama Santri Berlatar Belakang Rentan Zahra, Siti Fatimah; Batubara, Noor Azida; Nisa, Juwairiyah; Sutrisna Sutrisna; Luthfiah, Defi; Hadi, Siti Asiah Abdul
JURNAL ILMIAH NUSANTARA Vol. 3 No. 2 (2026): Jurnal Ilmiah Nusantara Maret 2026
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jinu.v3i2.8709

Abstract

This study aims to analyze complementary religious social support (RSS) patterns as a collaborative strategy between families and Islamic boarding schools in strengthening the resilience and religious character of adolescents. This topic is important because it highlights the psychosocial vulnerability of adolescents from dysfunctional families (broken homes) who require consistent environmental intervention. This qualitative research with a case study design was conducted at the Darojatul Ashfad Islamic Boarding School, involving caregivers, parents, and students as subjects. The results showed that this collaboration formed a functioning mesosystem, characterized by its complementary nature. The Islamic boarding school strategically filled the deficit in family spiritual support (RSS) through regular meetings and a checklist of religious practices, ensuring continuity of rules. The effectiveness of this mesosystem is proven to strengthen the resilience of students through a shift in coping mechanisms, from reactive to Tawakkal. The attitude of Tawakkal serves as a psychological anchor that provides inner peace, breaks the chain of trauma, and ultimately leads to character internalization. This is evidenced by changes in the students' behavior, which has become automatic (such as the initiative to perform the dawn prayer without being told) and the emergence of concern for the condition of their families. It is concluded that complementary collaboration is an effective intervention model for shaping the resilience and religious character of vulnerable adolescents.
Pengaruh Indeks Pembangunan Manusia, Pengangguran Dan Ketimpangan Pendapatan Terhadap Kemiskinan Di Indonesia Tahun 2015-2024 Nabila, Sabrina; Nurjanah , Siti; Zahra, Siti Fatimah
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 1 (2026): JANUARI-MARET
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/1fv89v21

Abstract

Penelitian ini untuk melihat Pengaruh Indeks Pembangunan Manusia, Pengangguran Dan Ketimpangan Pendapatan Terhadap Kemiskinan Di Indonesia Tahun 2015-2024. Pada penelitian ini menggunakan sensus atau sampling total yang merupakan teknik pengambilan sampel dengan cara menggunakan seluruh anggota populasi sebagai sampel. Kriteria sampel yang digunakan pada penelitian ini adalah seluruh populasi yaitu 34 provinsi di Indonesia pada tahun 2015 hingga 2024. Penelitian ini menggunakan teknik analisis regresi data panel. Dapat ditarik kesimpulan sebagai berikut: (a)Indeks Pembangunan Manusia secara signifikan terbukti dapat menurunkan kemiskinan di Indonesia pada tahun 2015-2024. Dimana peningkatan IPM melalui pendidikan, kesehatan dan standar hidup yang layak dapat menciptakan efek yang positif yaitu dapat membuat masyarakat lebih sehat dan terdidik sehingga akan lebih produktif, dapat mandiri secara ekonomi, dan pada akhirnya dapat mampu keluar dari jerat kemiskinan secara permanen; (b) Pengangguran belum terbukti dapat mengurangi kemiskinan di Indonesia pada tahun 2015-2024. Hal ini didukung dengan fenomena working poor (pekerja miskin) di mana kemiskinan tidak disebabkan oleh ketiadaan pekerjaan, melainkan oleh rendahnya kualitas pekerjaan. Kebijakan pengentasan kemiskinan tidak cukup hanya berfokus pada penurunan tingkat pengangguran, tetapi juga perlu diarahkan pada peningkatan kualitas pekerjaan dan perluasan kapabilitas ekonomi masyarakat; dan (c) Ketimpangan Pendapatan merupakan determinan penting yang berpengaruh signifikan terhadap tingkat kemiskinan di Indonesia. Kebijakan yang mendorong pemerataan pendapatan serta perluasan akses terhadap sumber daya ekonomi terbukti dapat menekan tingkat kemiskinan secara berkelanjutan  
Optimalisasi Shopee Affiliate Marketing: Pendekatan Terintegrasi Pelatihan-Pendampingan untuk Meningkatkan Passive Income Mahasiswa Riswandi, Riswandi; Lestari, Fitra Dila; Zahra, Siti Fatimah; Fajrilianti, Syalwa; Nazla, Siti; Arafat, Najma
Jurnal Pustaka Mitra (Pusat Akses Kajian Mengabdi Terhadap Masyarakat) Vol 6 No 1 (2026): Jurnal Pustaka Mitra (Pusat Akses Kajian Mengabdi Terhadap Masyarakat)
Publisher : Pustaka Galeri Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55382/jurnalpustakamitra.v6i1.1187

Abstract

Perkembangan ekonomi digital membuka peluang besar bagi mahasiswa untuk memperoleh pendapatan pasif melalui bisnis berbasis teknologi, salah satunya adalah affiliate marketing. Namun, potensi ini terhambat oleh minimnya literasi digital dan keterampilan optimalisasi media sosial. Untuk mengatasi permasalahan tersebut, kegiatan Workshop Optimalisasi Media Sosial untuk Affiliate Marketing dilaksanakan sebagai upaya untuk meningkatkan keterampilan kewirausahaan digital mahasiswa. Kegiatan ini bertujuan untuk meningkatkan literasi digital, melatih keterampilan affiliate marketing mulai dari pembuatan konten hingga monetisasi, serta menciptakan peluang wirausaha digital berkelanjutan. Pelatihan dilaksanakan secara interaktif dan praktis, mencakup pembuatan akun afiliasi, optimasi media sosial yang dimiliki setiap peserta dan produksi konten video. Pendampingan pasca-workshop juga tetap dilakukan untuk memastikan implementasi keterampilan yang diperoleh sehingga melalui kegiatan ini, diharapkan mampu meningkatkan keterampilan kewirausahaan digital mahasiswa. Hasil keterampilan tersebut dapat dibuktikan dengan aktifnya akun media sosial, khususnya shopee affiliate yang bisa dimanfaatkan oleh peserta sebagai upaya meningkatkan passive income dan mendorong terciptanya wirausaha mandiri berbasis teknologi berkelanjutan.
Pengaruh Dinamika Makroekonomi Terhadap Non-Performing Financing Perbankan Syariah di Indonesia: Pendekatan Non-Linear Autoregressive Distributed Lag (NARDL) Periode 2015-2025 Jati, Fahriza Diani; Herlitah, Herlitah; Zahra, Siti Fatimah
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 1 (2026): JANUARI-MARET
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/7z44yd14

Abstract

This study aims to investigate the dynamic and asymmetric responses of Islamic banking financing risk (Non-Performing Financing/NPF) in Indonesia to macroeconomic variable shocks, specifically Economic Growth (IPI), Inflation, and Exchange Rate. This research is motivated by the urgency of risk mitigation amidst the post-pandemic "pseudo-stability" phenomenon and the inconsistency of prior literature findings dominated by linear approaches. Such conventional approaches are considered less accurate in capturing the behavior of fluctuating macroeconomic variables. The unit of analysis is the national Islamic banking industry using monthly time-series data from January 2015 to September 2025. The data analysis technique employs the Non-Linear Autoregressive Distributed Lag (NARDL) estimation, which decomposes independent variables into positive and negative shock components, complemented by the Wald Test for statistical asymmetry validation and the Error Correction Term (ECT) to measure adjustment speed. The results reveal variable-specific patterns: (1) Economic Growth (IPI) exhibits a dominant negative effect but is symmetric, indicating that the profit-loss sharing mechanism effectively distributes risk proportionally according to the business cycle; (2) Inflation has no significant long-term effect, proving the resilience of Islamic banking customers supported by cash flow certainty in Murabahah contracts; and (3) The Exchange Rate is proven to have a significant asymmetric effect. Rupiah depreciation dynamics have a far more destructive impact on asset quality compared to the improvements during appreciation, confirming the validity of the non-linear balance sheet channel. Systemically, Islamic banking demonstrates robust stability with an estimated self-recovery time of approximately 4.4 months. This study recommends the implementation of asymmetric hedging strategies for banking management and the calibration of dual-scenario stress testing policies for regulators to maintain financial system stability.
Co-Authors Aditya Pratama Agus Wibowo Almira, Fatihah Nara Amalia, Nur Azizah Amelia, Zahra Andini, Neng Diana Putri Andy Andy Ani Nur Aeni, Ani Nur Anjani, Sri Ulan Arafat, Najma Armeliza, Diah Arofahmawati, Fina Amal Ascarya, A ATI SUMIATI, ATI Batubara, Noor Azida Bayu Suhendry Budiastuti, Maulidina Nur Dewi Yuliana Dicky Iranto Dita Puruwita, Dita Fajrilianti, Syalwa Fauzan, Muhammad Gilang Hadi, Siti Asiah Abdul Haq, M. Iqbal Arinal Harahap, Andi Syahputra Harliani, Rossa Harya Kuncara Wiralaga Herlitah Herlitah, Herlitah I Ketut R. Sudiarditha Inriyana, Ria Iryuanita, Elvina Jati, Fahriza Diani Juliana, Eva Karuniana Dianta Arfiando Sebayang Lathiefah Rabbaniyah Lestari, Fitra Dila Luthfiah, Defi Luthfianti, Ajeng Maharani, Diva Mayang Riyantie, Mayang Mufidah, Chusnanik Muhammad Yusuf Nabila, Sabrina Nazla, Siti Nikensari , Sri Indah Nisa, Juwairiyah Nisa, Siti Choirun Nurfalah, Aam Linda Nurjanah , Siti Nurjanah, Yunisha Husnul Nurul Huda Pramudya, Alfonsus Liguori Prihatin, Sulis Tiana Indah Putri, Imbaraniati Permana Rahmanisa Aulia Safitri Rida Prihatni Ridwan, Heri Ulan Riswandi Riswandi Rofifah, Khairunnisa Nabilatun Saparuddin Mukhtar Saparuddin Saparuddin Saptono, Ari Selvia, Dina Senja, Nuuran Raudha Setiadi, Diding Kelana Setiawan, Dito Siti Nurjanah Sri Lestari Suparno Sutrisna Sutrisna Syalsabila, Anis Utari, Eka Dewi Wati, Putri Syalistia Widiyanto, Haya Haura