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PENGARUH ALOKASI PEMBIAYAAN SEKTOR-SEKTOR EKONOMI OLEH PERBANKAN SYARIAH TERHADAP PRODUK DOMESTIK REGIONAL BRUTO (PDRB) PROVINSI JAWA TIMUR: Periode Triwulanan Tahun 2010-2015 Faiza, Nurlaili Adkhi Rizfa
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 6 No. 2 (2016): eL-Qist
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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Penelitian ini bertujuan untuk membangun fakta dengan menyelidiki hubungan antara pembiayaan sektor ekonomi terhadap PDRB Jawa Timur,Metode penelitian ini adalah kuantitatif deskriptif dengan menggunakan data time series tahun 2010-2015 periode triwulanan dan mem-proxy-kan ke empat sektor utama lapangan kerja berdasarkan Nawacita, yaitu sektor pertanian, kehutanan, dan perikanan, sektor pertambangan, sektor industri pengolahan, dan sektor konstruksi. Uji pengaruh dalam penelitian ini menggunakan metode regresi linier sederhana dan berganda dengan bantuan software SPSS 21.00. Hasil uji model pengaruh pembiayaan sektor ekonomi Nawacita oleh perbankan Syariah di Jawa Timur terhadap PDRB menunjukan bahwa tidak seluruh pembiayaan sektor ekonomi di Jawa Timur memberikan pengaruh positif dan signifikan terhadap PDRB Provinsi Jawa Timur secara umum. Sementara itu, hasil uji model pengaruh pembiayaan sektor ekonomi Nawacita secara sektor per sektor terhadap PDRB sektor ekonomi Nawacita mendapatkan hasil bahwa semua pembiayaan berpengaruh positif dan signifikan terhadap PDRB sektor masing-masing, kecuali sektor pertanian, kehutanan, dan perikanan yang berpengaruh positif namun tidak signifikan. Rendahnya tingkat pengaruh dan signifikansi pembiayaan sektor pertanian, kehutanan, dan perikanan terhadap PDRB secara umum maupun PDRB sektor pertanian, kehutanan, dan perikanan disebabkan karena rendahnya akses petani dalam mendapatkan pembiayaan oleh perbankan syariah, baik karena akses lokasi maupun petani sendiri yang belum bankable.

PENGARUH NILAI OUTSTANDING SUKUK KORPORASI TERHADAP PRODUK DOMESTIK BRUTO (PDB) INDONESIA: PERIODE TRIWULANAN TAHUN 2011-2017 Faiza, Nurlaili Adkhi Rizfa; Shafiyatun, Shafiyatun
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 8 No. 1 (2018): eL-Qist
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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

Penelitian ini membahas tentang analisis pengaruh investasi berupa sukuk korporasi terhadap PDB Indonesia dengan menggunakan data time series mulai tahun 2011-2017 periode triwulanan. Metode penilitian ini adalah kuantitatif deskriptif. Penelitian ini diarahkan untuk membangun fakta dengan menyelidiki hubungan antara investasi sukuk korporasi terhadap PDB, kemudian dianalisa secara deskriptif berdasarkan metode statistik dan dicari faktor penyebab dari fenomena hasil penelitian tersebut. Uji pengaruh dalam penelitian ini menggunakan metode regresi linier sederhana bantuan software SPSS 21.00. Hasil uji model pengaruh investasi sukuk korporasi terhadap PDB menunjukan bahwa sukuk korporasi memberikan pengaruh positif dan signifikan terhadap pertumbuhan ekonomi dalam hal ini adalah PDB. Sukuk mempengaruhi pertumbuhan ekonomi melalui PDB melalui pendanaan dari penerbitan sukuk korporasi (corporate sukuk), dimana ketika suatu perusahaan menerbitkan surat utang atau sukuk maka perusahaan tersebut akan mendapatkan dana ketika surat utang tersebut telah terjual. Adanya tambahan dana dari penerbitan sukuk dapat meningkatkan kapasitas produksi. Kapasitas produksi yang meningkat diharapkan meningkatkan produksi menjadi lebih banyak, sehingga perekonomian dapat tumbuh. Pada akhirnya peningkatan output tersebut yang akan mendorong pertumbuhan ekonomi. Tantangan yang dihadapi adalah share sukuk terhadap obligasi yang masih stagnan di kisaran 5%. Masalah dalam pengembangan sukuk korporasi di Indonesia lebih didominasi aspek pelaku pasar dan regulasi. Sehingga diperlukan kajian terkait supply dan demand sukuk korporasi. Dari sisi supply antara lain mendorong BUMN untuk turut serta listing (mengeluarkan) efek sukuk korporasi. Sementara sisi demand, yakni mendorong perbankan syariah untuk turut menempatkan dananya di sukuk. Literasi kepada masyarakat mengenai sukuk juga sangat diperlukan.

Potensi Cash Waqf Linked Sukuk sebagai Instrumen Pemulihan Ekonomi Nasional Pasca Pandemi Faiza, Nurlaili Adkhi Rizfa
Al-Muhasib: Journal of Islamic Accounting and Finance Vol. 3 No. 1 (2023)
Publisher : Department of Islamic Accounting, The Faculty of Islamic Economics and Business, State Islamic Institute of Kediri [IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/almuhasib.v3i1.280

The need for large funds for National Economic Recovery after the Covid-19 pandemic requires various low-cost, high-efficiency, and sustainable instruments. This study aims to analyze the potential of Cash Waqf Linked Sukuk (CWLS) as an instrument for National Economic Recovery in Indonesia. Collaborating on Sukuk as an instrument that can mobilize funds and waqf with its unique nature can generate income and finance productive activities where returns or profits will be stored for future funding. This study uses an exploratory qualitative approach by reviewing and analyzing facts, expert opinions, theories, and previous research on CWLS and its development potential. This study found that the CWLS collaboration model can be an alternative to sustainable Islamic financial instruments in Indonesia and has the potential as an instrument to obtain cheap and easy funds to accelerate post-pandemic national economic recovery. This instrument is very suitable because it has high flexibility, appeals to the Muslim philanthropic middle class, and is sustainable alms from waqf to be distributed to beneficiaries.

INTEGRASI KEUANGAN SOSIAL (ZISWAF) DAN BISNIS PESANTREN DALAM PEMBERDAYAAN SOSIAL-EKONOMI MASYARAKAT DI JAWA TIMUR Faiza, Nurlaili Adkhi Rizfa; Syarifudin, Syarifudin; Nurafini, Fira
Jurnal Ekonomika dan Bisnis Islam Vol 6 No 1 (2023): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v6n1.p154-165

The high number of Islamic Boarding School and the prominence of its alumni suggest that Pesantren have a lot of promise in terms of social change and economic empowerment for communities in the surrounding area. With the establishment of the Pesantren Business Holding (HEBITREN), One Pesantren One Product (OPOP), and Pesantren Sarekat Business Cooperative (KSBP) as part of the Islamic Boarding Schools independence development program in East Java, the development of the Islamic Boarding Schools business have begun to become a special focus. Islamic Boarding Schools also operate Islamic social finance institutions such as the Amil ZIS Institution (LAZIS) and Micro Waqf Banks (BWM), which can help the local economy. This study took a qualitative approach to the library, relying on scientific research of papers, journals, and relevant agency data. This research aims to provide a synthesis of efforts to develop an alternative model of community economic empowerment in East Java through the integration of social finance (ZISWAF) and business run by Islamic Boarding Schools. The finding of the study shows that the integration of social finance with the Islamic boarding school business is able to maximize the independence and quality of Islamic boarding school education, which contributes to the ummah's and nation's economic independence.

Leveraging halal certification for gastronomy tourism strategy Fawa’id, Muhamad Wildan; Faiza, Nurlaili Adkhi Rizfa; Abarahan, Amnisuhailah
al-Uqud : Journal of Islamic Economics Vol. 9 No. 1 (2025): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v9n1.p33-46

Gastronomy tourism is one of the fastest-growing sectors in the global travel industry, introducing Muslim tourists to local cuisine prepared with halal ingredients. This study employs a grounded research method—the first and only one to explore the implementation of halal certification—and then applies a SWOT analysis to determine the most effective strategies for supporting halal gastronomy tourism. The findings indicate that the Halal Certification for Original MSME Products in Kediri City (PUSAKA) benefits from strong government support, business owner awareness, and the availability of facilitators to assist with the certification process. However, challenges include limited free certification quotas, administrative constraints, and insufficient capital. Opportunities arise from the growth of halal tourism, national support, and increasing demand for halal products. Meanwhile, threats stem from competition with other regions, potential certification costs in the future, and the risk of inconsistent product quality. To address these challenges, recommended strategies include administrative support, collaborative promotion, and a focus on product quality. The government's approach involves offering free halal certification programs and awareness campaigns to enhance MSMEs' preparedness. Additionally, facilitators provide administrative and technical guidance, while collaboration efforts promote halal-certified products in both domestic and international tourist markets. MSMEs are also encouraged to maintain the quality and consistency of their halal-certified products.

Integrasi Good Corporate Governance (GCG) Berbasis Emotional Spiritual Quotient (ESQ) Dalam Meningkatkan Kinerja Karyawan Lembaga Amil Zakat Choirunisa, Anggita`; Faiza, Nurlaili Adkhi Rizfa; Sadiq Ibrahim Mijinyawa
Istithmar Vol. 9 No. 1 (2025): Istithmar : Jurnal Studi Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Syekh Wasil Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/istithmar.v9i1.2235

Good Corporate Governance (GCG) is a key element in modern organizational management, yet the integration of Emotional and Spiritual Quotient (ESQ) also plays a crucial role in enhancing organizational performance. This study aims to analyze the integration of ESQ-based GCG at LAZISMU Kota Madiun and its impact on employee performance. Using a qualitative method with a field research approach, the study finds that ESQ-based GCG is implemented through five core principles: transparency, accountability, professionalism, fairness, and responsibility. This integration promotes the internalization of integrity, transparency, and moral responsibility, combined with emotional and spiritual intelligence. As a result, the work environment becomes more supportive of employees’ psychological and ethical well-being. Performance, measured in terms of quantity, quality, and timeliness, indicates that employees actively participate in social and religious activities, perform duties with strong spiritual values, and complete tasks efficiently and responsibly.

Metamorphosis of Productive Zakat: Integrating Zakat Utilization and Women Empowerment for Achieving Sustainable Development Goals Kurniawati, Erlina; Fauza, Nilna; Faiza, Nurlaili Adkhi Rizfa; Waeno, Mahamadaree
Islam Realitas: Journal of Islamic and Social Studies Vol. 11 No. 1 (2025): June 2025
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/islam_realitas.v11i1.9486

This study explores the metamorphosis of productive zakat through the integration of women empowerment in the Kampung Zakat (Zakat Village) program initiated by BAZNAS in Besole Village, Besuki District, Tulungagung Regency. Employing a qualitative approach based on interviews, observations, and documentation, the study reveals that productive zakat does not merely provide capital assistance, but also initiates a transformation process, economically, socially, and spiritually. Women, especially widows and members of low-income families, became empowered to support their households through small enterprises. More importantly, they were also encouraged to engage in daily giving practices (such as sadaqah subuh), which fostered spiritual growth and nurtures the transition from mustahik (zakat recipient) to muzakki (zakat contributor). This indicateed a metamorphosis from passive dependence to active contribution. The findings affirmed that productive zakat, when combined with structured empowerment and spiritual reinforcement, became an effective tool in realizing SDGs Goals 1 (No Poverty) and 5 (Gender Equality). This study contributes to the field of Islamic philanthropy and zakat management by proposing a contextual, replicable empowerment model that aligns with global development goals while offering practical implications for public policy and localized zakat distribution strategies

PENGARUH ALOKASI PEMBIAYAAN SEKTOR-SEKTOR EKONOMI OLEH PERBANKAN SYARIAH TERHADAP PRODUK DOMESTIK REGIONAL BRUTO (PDRB) PROVINSI JAWA TIMUR: Periode Triwulanan Tahun 2010-2015 Faiza, Nurlaili Adkhi Rizfa
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 6 No. 2 (2016): October
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2016.6.2.1246-1265

Penelitian ini bertujuan untuk membangun fakta dengan menyelidiki hubungan antara pembiayaan sektor ekonomi terhadap PDRB Jawa Timur,Metode penelitian ini adalah kuantitatif deskriptif dengan menggunakan data time series tahun 2010-2015 periode triwulanan dan mem-proxy-kan ke empat sektor utama lapangan kerja berdasarkan Nawacita, yaitu sektor pertanian, kehutanan, dan perikanan, sektor pertambangan, sektor industri pengolahan, dan sektor konstruksi. Uji pengaruh dalam penelitian ini menggunakan metode regresi linier sederhana dan berganda dengan bantuan software SPSS 21.00. Hasil uji model pengaruh pembiayaan sektor ekonomi Nawacita oleh perbankan Syariah di Jawa Timur terhadap PDRB menunjukan bahwa tidak seluruh pembiayaan sektor ekonomi di Jawa Timur memberikan pengaruh positif dan signifikan terhadap PDRB Provinsi Jawa Timur secara umum. Sementara itu, hasil uji model pengaruh pembiayaan sektor ekonomi Nawacita secara sektor per sektor terhadap PDRB sektor ekonomi Nawacita mendapatkan hasil bahwa semua pembiayaan berpengaruh positif dan signifikan terhadap PDRB sektor masing-masing, kecuali sektor pertanian, kehutanan, dan perikanan yang berpengaruh positif namun tidak signifikan. Rendahnya tingkat pengaruh dan signifikansi pembiayaan sektor pertanian, kehutanan, dan perikanan terhadap PDRB secara umum maupun PDRB sektor pertanian, kehutanan, dan perikanan disebabkan karena rendahnya akses petani dalam mendapatkan pembiayaan oleh perbankan syariah, baik karena akses lokasi maupun petani sendiri yang belum bankable.

PENGARUH NILAI OUTSTANDING SUKUK KORPORASI TERHADAP PRODUK DOMESTIK BRUTO (PDB) INDONESIA: PERIODE TRIWULANAN TAHUN 2011-2017 Faiza, Nurlaili Adkhi Rizfa; Shafiyatun, Shafiyatun
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 8 No. 1 (2018): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2018.8.1.1577-1596

Penelitian ini membahas tentang analisis pengaruh investasi berupa sukuk korporasi terhadap PDB Indonesia dengan menggunakan data time series mulai tahun 2011-2017 periode triwulanan. Metode penilitian ini adalah kuantitatif deskriptif. Penelitian ini diarahkan untuk membangun fakta dengan menyelidiki hubungan antara investasi sukuk korporasi terhadap PDB, kemudian dianalisa secara deskriptif berdasarkan metode statistik dan dicari faktor penyebab dari fenomena hasil penelitian tersebut. Uji pengaruh dalam penelitian ini menggunakan metode regresi linier sederhana bantuan software SPSS 21.00. Hasil uji model pengaruh investasi sukuk korporasi terhadap PDB menunjukan bahwa sukuk korporasi memberikan pengaruh positif dan signifikan terhadap pertumbuhan ekonomi dalam hal ini adalah PDB. Sukuk mempengaruhi pertumbuhan ekonomi melalui PDB melalui pendanaan dari penerbitan sukuk korporasi (corporate sukuk), dimana ketika suatu perusahaan menerbitkan surat utang atau sukuk maka perusahaan tersebut akan mendapatkan dana ketika surat utang tersebut telah terjual. Adanya tambahan dana dari penerbitan sukuk dapat meningkatkan kapasitas produksi. Kapasitas produksi yang meningkat diharapkan meningkatkan produksi menjadi lebih banyak, sehingga perekonomian dapat tumbuh. Pada akhirnya peningkatan output tersebut yang akan mendorong pertumbuhan ekonomi. Tantangan yang dihadapi adalah share sukuk terhadap obligasi yang masih stagnan di kisaran 5%. Masalah dalam pengembangan sukuk korporasi di Indonesia lebih didominasi aspek pelaku pasar dan regulasi. Sehingga diperlukan kajian terkait supply dan demand sukuk korporasi. Dari sisi supply antara lain mendorong BUMN untuk turut serta listing (mengeluarkan) efek sukuk korporasi. Sementara sisi demand, yakni mendorong perbankan syariah untuk turut menempatkan dananya di sukuk. Literasi kepada masyarakat mengenai sukuk juga sangat diperlukan.

Pelatihan Wirausaha Bakery sebagai Solusi Inklusif untuk Masyarakat Usia Produktif di Kota Kediri Zahra, Tiara Melinda Zahra; Husna, Tsalsabila Nikmatul; Rohmah, Ulil Mawaddatur; Fadhilla, Umi; Khasanah, Ushwatun; Faiza, Nurlaili Adkhi Rizfa
Welfare : Jurnal Pengabdian Masyarakat Vol. 2 No. 1 (2024): Welfare : March 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam, IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/welfare.v2i1.855

Bakery Entrepreneurship Training as an Inclusive Solution for Productive Age Communities in Kediri City is an initiative implemented by DINKOP UMTK Kediri City at LPK Kusuma. The aim is to improve culinary skills and entrepreneurial potential for people of productive age. This activity involved 40 participants from various age backgrounds, between 18 and 45 years old. The data collection method uses a mixed questionnaire that evaluates the level of participant satisfaction with the training. The survey results showed that the majority of participants responded positively to the training. They appreciate instructors who provide material well and systematically and encourage participant involvement. However, some participants criticized the training time as being too short and location-related issues. Overall, this training was successful in increasing participants' knowledge and skills in the world of bakery, providing business ideas, and increasing product understanding. This initiative has a positive impact on participants and has the potential for business development in Kediri City.

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