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All Journal El-HARAKAH : Jurnal Budaya Islam Jurnal Pendidikan Agama Islam Jurnal Delima Harapan IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam ECOPLAN : JOURNAL OF ECONOMICS AND DEVELOPMENT STUDIES Jurnal Manajemen Universitas Bung Hatta El-Qist : Journal of Islamic Economics and Business (JIEB) AL-MUTTAQIN : Jurnal Studi, Sosial, dan Ekonomi Asy Syar'iyyah: Jurnal Ilmu Syari'ah dan Perbankan Islam Jurnal Fakultas Ilmu Keislaman UNISA Kuningan Invest Journal of Sharia & Economic Law SINDA: Comprehensive Journal of Islamic Social Studies JURNAL ECONOMINA DIKTUM: JURNAL SYARIAH DAN HUKUM Enrichment: Journal of Multidisciplinary Research and Development Jurnal Akuntansi dan Keuangan Islam (JAKIs) IJMA Journal of Finance and Islamic Banking
Febriyanti, Novi
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Public Health Social Sciences Other

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Analisis Pengelolaan Keuangan Islam pada Pelaku Usaha Kecil Bisnis Online Anggota Himpunan Pengusaha Muda Indonesia Perguruan Tinggi Universitas Islam Negeri Sunan Ampel Surabaya Febriyanti, Novi; Dzakiyah, Kiky
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 9 No. 2 (2019): eL-Qist
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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Abstract

Perkembangan teknologi saat ini memaksa semua pelaku industri untuk mengikutinya agar dapat bertahan dalam persaingan. Teknologi telah membawa banyak kemudahan dalam transaksi jual beli, tidak heran jika bisnis online semakin meningkat. Dibalik kemudahan tersebut, sebagai seorang muslim terdapat pedoman dasar yang harus tetap dijalankan dalam bermuamalah di era globalisasi ini. Artikel ini bermaksud ingin menganalisis bagaimana pengetahuan pengusaha online yang tergabung dalam HIPMI PT UINSA dan bagaimana praktik pengelolaan keuangan Islam pada usaha yang mereka jalankan. Menggunakan metode penelitian kualitatif dengan pendekatan fenomenologi penelitian ini mengobservasi 10 informan pelaku usaha online atau e-commerce lainnya yang tergabung dalam HIPMI PT UINSA. Hasil penelitian ini membuktikan bahwa seluruh informan memiliki pengetahuan mengenai konsep pengelolaan keuangan Islam. Para pengusaha juga telah menerapkan pengelolaan keuangan Islam melalui pengalokasian anggaran untuk zakat, infak dan sedekah. Selain itu para pelaku usaha juga sudah memiliki dana tabungan dan investasi untuk usahanya. Namun mayoritas pengusaha masih menerapkan pengelolaan keuangan secara sederhana. Terkait penganggaran, laporan keuangan, dan manajemen kas belum diterapkan secara terstuktur. Pengetahuan mengenai perencanaan dan laporan keuangan serta kemudahan dengan adanya aplikasi akuntansi digital baiknya dimanfaatkan oleh para pelaku usaha online guna keberlangsungan dan pengembangan usaha di masa yang akan datang.
Cash Waqf Linked Social Entrepreneur Febriyanti, Novi; Ihsani, A. Fikri Amiruddin
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 10 No. 1 (2020): 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 | DOI: 10.15642/elqist.v10i1.267

Abstract

Al-Khaibar minimarket’s one of development results of cash waqf linked social entrepreneur from productive waqf management inpatient rooms of the Very Important Person (VIP) class at Hospital of UNISMA Malang. The purpose of this study was to determine management and development of productive waqf through Al-Khaibar minimarket business at the UNISMA foundation and distribution of benefits at productive waqf management through Al-Khaibar minimarket business at the UNISMA foundation. The research method used descriptive qualitative using a sociological and empirical approach. Researcher took object of research at State Islamic University of Malang (UNISMA) related to management of cash waqf linked social entrepreneurs. The results of this study prove that productive waqf management used in accordance with George R Terry’s theory namely planning, organizing, actuating and controlling. While distribution of benefits at productive waqf management is from net profits, 20%-30% is distributed to mauquf ‘alaih, 10% for nadzir in accordance with Law of Waqf No. 41 of 2004 paragraph 12 and 60%-70% for development of waqf. Key Words: productive waqf; social entrepreneur; minimarket. Abstrak: Minimarket Al-Khaibar adalah salah satu hasil pengembangan cash waqf linked social entrepreneur dari ruang rawat inap kelas VIP di Rumah Sakit UNISMA Malang. Tujuan dari penelitian ini adalah untuk menentukan manajemen pengelolaan dan pengembangan wakaf produktif melalui bisnis minimarket Al-Khaibar di Yayasan UNISMA serta distribusi hasil manfaat wakaf produktif melalui bisnis minimarket Al-Khaibar di Yayasan UNISMA. Metode penelitian menggunakan deskriptif kualitatif dengan pendekatan sosiologis dan empiris. Peneliti mengambil objek penelitian di Universitas Islam Malang (UNISMA) terkait cash waqf linked social entrepreneur. Hasil penelitian membuktikan bahwa manajemen pengelolaan wakaf produktif yang digunakan sesuai dengan teori George R Terry yaitu planning, organizing, actuating dan controlling. Sementara distribusi hasil manfaat wakaf produktif adalah dari laba bersih, 20%-30% didistribusikan ke mauquf ‘alaih, 10% untuk nadzir yang sesuai dengan UU Wakaf No. 41 Tahun 2004 Pasal 12 dan 60%-70% untuk pengembangan wakaf.
Penyusunan Strategi Pemasaran Islam dalam Berwirausaha di Sektor Ekonomi Kreatif Pada Masa Pandemi Covid-19 Abdi, Moh Khoiri; Febriyanti, Novi
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 10 No. 2 (2020): el-Qist
Publisher : Islamic Economic 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.2020.10.2.160-178

Abstract

Abstract: In the middle of the development of UMKMs that were not too good in early 2020, UMKMs in Indonesia were again tested with the Covid-19 outbreak in the middle of the Indonesian people. The spread of the Covid-19 virus has a direct impact on the drastic decline in the economy of UMKMs, because every citizen, even school students, has a day off to stay at home, as a result, UMKM companies are hampered in sales and production. This article intends to analyze how the preparation of a Islamic marketing strategy that can be done during the Covid-19 pandemic and supporting factors in entrepreneurship in the creative economy sector during the Covid-19 pandemic. Using qualitative research methods with a library research approach. The results of this study prove that the preparation of a Islamic marketing strategy in entrepreneurship in the creative economy sector can be planned through STP (Segmenting, Targetting and Positioning) to attract consumers with the concept of halal market, namely halal activist, active customers, and passive customers. While the supporting factors in entrepreneurship in the creative economy sector during the Covid-19 pandemic to run effectively and efficiently include the concept of promotion, service excellet customer rewards, affiliations or partnerships and social capital. Keywords: Islamic Marketing Strategy, Business, Creative Economy.   Abstrak: Di tengah perkembangan Usaha Mikro Kecil Menengah (UMKM) yang belum terlalu baik di awal tahun 2020, UMKM di Indonesia kembali diuji dengan wabah Covid-19 ditengah masyarakat Indonesia. Penyebaran virus Covid-19 memberikan dampak yang berimbas langsung terhadap penurunan secara drastis ekonomi UMKM, karena setiap warga bahkan murid sekolah pun diliburkan agar tetap berada didalam rumah, akibatnya perusahaan UMKM terhambat dalam penjualan dan juga produksi. Artikel ini bermaksud ingin menganalisis bagaimana penyusunan strategi pemasaran Islam yang dapat dilakukan pada masa pandemi Covid-19 dan faktor pendukung dalam berwirausaha di sektor ekonomi kreatif pada masa pandemi Covid-19. Menggunakan metode penelitian kualitatif dengan pendekatan library research. Hasil penelitian ini membuktikan bahwa penyusunan strategi pemasaran dalam berwirausaha pada sektor ekonomi kreatif dapat direncanakan melalui STP (Segmenting, Targetting dan Positioning) untuk menarik konsumen dengan konsep halal market, yaitu halal activist, active customers, dan passive customers. Sedangkan faktor pendukung dalam berwirausaha di sektor ekonomi kreatif pada masa pandemi Covid-19 agar berjalan secara efektif dan efisien diantaranya adalah konsep promotion, service excellet customers rewards, afiliasi atau kemitraan dan modal sosial. Kata Kunci: Strategi Pemasaran Islam, Bisnis, Ekonomi Kreatif
Makna Nilai-nilai Kultural Nahdlatul Ulama dalam Tinjauan Budaya Organisasi Ihsani, A. Fikri Amiruddin; Febriyanti, Novi
Al-Muttaqin : Jurnal Studi, Sosial, dan Ekonomi Vol 2, No 1 (2021)
Publisher : Sekolah Tinggi Agama Islam Sabilul Muttaqin Mojokerto

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Abstract

This research discusses the meaning of the cultural values of Nahdlatul Ulama in the review of organizational culture. The purpose of this research is to describe, explain and find out the meaning of the cultural values of Nahdlatul Ulama in terms of organizational culture theory. This research uses qualitative research methods with a descriptive approach. The data collection techniques used were observation and documentation. The results of observations and documents that have been collected are then analyzed, compared and combined to form a systematic, coherent and complete study result. In this study, the results show that the meaning of the cultural values of Nahdlatul Ulama in the review of organizational culture is in accordance with the vision, mission and goals of the organization. The cultural values developed are known as al-Mabadi al-Khamsah which includes assidqu, al-amanah wal wafa'bil 'ahdi, al-'adalah, at-ta'awun and al-istiqamah. These cultural values are also manifested through traditions and amaliyah such as amar ma'ruf nahi munkar, aqiqah, diba'an, haul, istighosah, jam'iyahan, manakib, maulid Nabi, qunut, tahlil, tingkepan and grave pilgrimage. With the organizational culture and cultural values in it, it will be easier for an organization to achieve the vision, mission and goals aspired by its members, administrators and founders of the organization.
GUS DUR’S MULTICULTURAL DA’WAH AND ITS RELEVANCE TO MODERN SOCIETY Ihsani, A. Fikri Amiruddin; Febriyanti, Novi; Syakuuroo S.K, Abdan
El-HARAKAH (TERAKREDITASI) Vol 23, No 1 (2021): EL HARAKAH
Publisher : UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/eh.v23i1.11642

Abstract

This research aimed to describe and identify the concept of Gus Dur's multicultural da’wah, the efforts and relevance to modern society. It used qualitative research methods with a descriptive approach. The data were collected through observation and documentation. The findings suggested three main concepts of Gus Dur's multicultural da'wah: Gus Dur's central values, his Islamic ideas, and his struggle for the indigenization of Islam. The da'wah covered three domains: cognitive, affective and psychomotor. The domains were then framed into various activities, such as lectures/speeches, writings, forums, and social actions. Besides, it affirmed the need of wisdom that da'wah is relevant to the conditions of modern society. The relevance of da’wah can lead to the effective and efficient interaction process.Penelitian ini membahas mengenai dakwah multikultural Gus Dur dan relevansinya bagi masyarakat modern. Adapun tujuan dari penelitian ini adalah untuk mendeskripsikan, dan mengenali konsep dakwah multikultural Gus Dur, upaya-upaya dakwah multikultural Gus Dur dan relevansinya bagi masyarakat modern. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan deskriptif. Teknik pengumpulan data yang digunakan adalah obeservasi dan dokumentasi. Hasilnya menunjukkan bahwa dakwah multikultural Gus Dur mengacu pada tiga konsep utama, yakni nilai-nilai utama, gagasan keislaman, dan perjuangan pribumisasi Islam Gus Dur. Upaya-upaya dakwah multikultural Gus Dur ini mencakup tiga ranah, yakni ranah kognitif, afektif, dan psikomotorik. Upaya-upaya melalui tiga ranah tersebut kemudian dibingkai dalam berbagai kegiatan seperti ceramah/pidato, menulis, forum diskusi, dan aksi-aksi sosial. Dengan demikian, dibutuhkan kearifan agar dakwah relevan dengan kondisi masyarakat modern, sehingga pelaku dan penerima dakwah tersebut bisa memberi makna yang sama. Dalam hal ini, apa yang diidentifikasi oleh masyarakat modern bisa memasuki proses interaksi yang efektif dan efisien.
Analysis of the Disclosure of Islamic Social Reporting Index At Sharia Banking in Indonesia Febriyanti, Novi; Ihsani, Fikri Amiruddin; Bustamir, Aidil
DIKTUM: Jurnal Syariah dan Hukum Vol 20 No 2 (2022): DIKTUM: Jurnal Syariah dan Hukum
Publisher : Fakultas Syariah dan Hukum Islam Institut Agama Islam Negeri (IAIN) Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (505.436 KB) | DOI: 10.35905/diktum.v20i2.4368

Abstract

The purpose of this study was to determine and analyze the Islamic Social Reporting Index at Islamic banks and the Islamic Social Reporting Index at Bank Syariah Indonesia (BSI). The method used in this study is a qualitative approach through interviews and content analysis. The subject of this research is the Islamic Social Reporting Index. The object used in this research is the publication report of Bank Syariah Indonesia (BSI). The Islamic Social Reporting Index items used in this study amounted to 50 items, covering 6 themes including investment and finance, products and services, employees, social, environment, and organizational governance. The results of the analysis of the Islamic Social Reporting Index in the annual report show that there are 43 items that are in accordance with the Islamic Social Reporting Index. The percentage of Islamic Social Reporting Index obtained by Bank Syariah Indonesia (BSI) is 86%. This shows that Bank Syariah Indonesia (BSI) in the disclosure of social responsibility reports is in accordance with sharia values. From the results of this study, it is expected that the Financial Services Authority will make rules for Islamic banks in presenting their annual reports.
Implementasi Early Warnings System (EWS) dalam Menekan Tingkat Non Performing Financing (NPF) di Perbankan Syariah Febriyanti, Novi
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol. 5 No. 2 (2020): Asy-Syar'iyyah Desember 2020
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v5i2.1445

Abstract

The health of a bank based on sharia principles is in the interest of all parties involved, including the owner, bank management, public users of bank services, Bank Indonesia as the bank supervisory authority and other parties. The following article aims to discuss the principles of Sharia prudential banking through an early warning system (EWS) that Islamic banks usually apply. The research method used is qualitative with a field research approach and literature study with data collection techniques through observation, interviews and documentation. The results show that the application of an early warning measurement system for Islamic banks can be calculated using several indicators, namely including return on equity (ROE), return on assets (ROA), financing to deposit ratio (FDR), non-performing finance (NPF) and ratios. operating costs and operating income (BOPO). This is implemented to reduce the level of problematic financing caused by two factors, namely internal factors (the banking sector), namely the lack of maintenance that has been determined, accuracy in business analysis, understanding of the necessary needs, inclusion of sound policy requirements and pursuing targets. External factors (debtors) are natural disasters, decreased business, collateral, increased competition for business types, low education levels and family factors.
PENGARUH STRATEGI MARKETING MIX TERHADAP KEPUTUSAN NASABAH MELAKUKAN PEMBIAYAAN MUDHARABAH Andi Mulyana, Sri; Noer Ady Rahmanto, Dhidhin; Febriyanti, Novi; Nafi’ Hasbi, M. Zidny
Jurnal Fakultas Ilmu Keislaman UNISA Kuningan Vol. 5 No. 1 (2024): Jurnal Fakultas Ilmu Keislaman UNISA Kuningan
Publisher : Jurnal Fakultas Ilmu Keislaman UNISA Kuningan

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Abstract

Studi ini menyelidiki elemen bauran pemasaran bank syariah di Indonesia dan dampaknya terhadap keputusan nasabah, khususnya dalam konteks bank pembiayaan umum syariah (BPRS). Meskipun perbankan syariah semakin berkembang, namun skala dan kecepatan pertumbuhannya belum sama dengan bank konvensional, hal ini sebagian disebabkan oleh kurangnya pemahaman komprehensif masyarakat Indonesia dan kebutuhan akan sumber daya manusia yang memiliki keahlian khusus. Dengan menggunakan penelitian kualitatif dengan metodologi asosiatif, penelitian ini membangun korelasi antara variabel independen (produk, harga, promosi, orang, proses, bukti fisik) dan pengambilan keputusan pelanggan. Sebuah kuesioner yang terdiri dari 32 item digunakan, dengan penekanan khusus pada tujuh variabel: produk (4 item), harga (4 item), promosi (4 item), orang (3 item), proses (4 item), bukti fisik (4 item). ), dan keputusan pelanggan (4 item). Survei dilakukan kepada 101 responden yang memenuhi kriteria yang dipersyaratkan. Hasil penelitian menunjukkan bahwa faktor bukti fisik dengan nilai signifikan sebesar 0,014 (kurang dari ambang batas 0,05) memiliki pengaruh yang terbatas terhadap keputusan nasabah menggunakan bank pembiayaan umum syariah. Hal ini menunjukkan perlunya eksplorasi lebih lanjut terhadap faktor-faktor lain yang mungkin lebih signifikan mempengaruhi keputusan pelanggan di sektor ini.
The Influence of Plafond, Tenor, Application Process, and Loan Frequency on The Growth of Bank Syariah Indonesia's MSMEs Customers Viantina, Anisa Lia; Purbowisanti, Ratih; Ady Rahmanto, Dhidhin Noer; Ilmiah, Dunyati; Febriyanti, Novi
Invest Journal of Sharia & Economic Law Vol. 2 No. 2 (2022): INVEST - Vol. 2 No. 2 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v2i2.5405

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are essential to economic growth. However, the growth of MSMEs is constrained by difficulties in accessing capital. This study aims to determine the effect of the variable amount of financing (plafond), the application process, the repayment period (tenor), and the frequency of borrowing on the growth of MSMEs. This study uses a quantitative method with a sample of 80 respondents from Bank Syariah Indonesia branch office Sleman Prambanan customers. The sample selection used a purposive sampling technique with the criteria that Bank Syariah Indonesia branch office Sleman Prambanan customers were SMEs in the Yogyakarta and Klaten areas and used financing products such as BSI KUR Micro, BSI KUR Kecil, and BSI Super Micro. The analytical technique used is the classical assumption test, multiple linear regression analysis, t-test, F test, and the coefficient of determination with the help of SPSS software. The results show that the amount of financing (plafond) and the repayment period (tenor) have a positive effect. In contrast, the application process and the borrowing frequency do not positively affect the growth of MSMEs.
Analisis Kinerja Keuangan Bank Syariah di Indonesia berdasarkan Islamic Performance Index Rufaedah, Dina Anisya; Yazid, Muhammad; Febriyanti, Novi
Jurnal Akuntansi dan Keuangan Islam Vol 12, No 1 (2024)
Publisher : SEKOLAH TINGGI EKONOMI ISLAM SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35836/jakis.v12i1.672

Abstract

The purpose of the research conducted for the application of Islamic finance. This research discusses the performance benchmarks of Islamic banks in Indonesia with the Islamic Performance Index (IPI). Its performance can be seen by using qualitative descriptive research as a whole from the period 2017 to 2023. Another problem that is less than optimal is the distribution of Zakah, because Islamic banks are still considered lacking in the management and utilization of Zakah funds. This research is expected to be useful for readers, especially stakeholders in providing learning and evaluation materials Tujuan dari penelitian yang dilakukan untuk penganalisisan terhadap keuangan Syariah. Penelitian ini membahas perihal tolak ukur performa bank syariah di Indonesia dengan Islamic Performance Index (IPI). Kinerjanya dapat dilihat dengan memakai penelitian deskriptif kualitatif secara menyeluruh dari  periode 2017 sampai 2023. Masalah lain yang kurang optimal adalah penyaluran zakat, karena bank syariah masih dianggap kurang dalam pengelolaan serta pendayagunaan dana zakat. Penelitian ini diharapkan bisa bermanfaat bagi pembacaca terutama pemangku kepentingan dalam memberikan pembelajaran dan bahan evaluasi. 
Co-Authors A. Fikri Amiruddin Ihsani Abdi, Moh Khoiri Achmad Budi Susetyo Ana Toni Roby Candra Yudha Andi Mulyana, Sri Arif Rohman Bustamir, Aidil Dhidhin Noer Ady Rahmanto Dwita Nuansari, Shindy Dzakiyah, Kiky Hidayati, Athi’ Ihsani, A. Fikri Amiruddin Ihsani, Fikri Amiruddin Ilmiah, Dunyati Iskandar Ritonga Latifah Latifah Luthfiana, Nuriya Marsuking Marsuking Muhammad Yazid Nafi’ Hasbi, M. Zidny Nito, Paul Joae Brett Noer Ady Rahmanto, Dhidhin Nurhayati Nurhayati Purbowisanti, Ratih Rahmad Nursyahidin, Rahmad Rofiqoh, Isnaini Rufaedah, Dina Anisya Sahira, Alia Jihan Septiani, Reni Syakuuroo S.K, Abdan Umi hanik Fetriyah, Umi hanik Viantina, Anisa Lia Wibisana, Karin Maria Wibisono, Dimas Wicaksana, Ragil Satria Zulfahmi Rapi, Muh