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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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TINGKAT KESEHATAN BANK SYARIAH MENGGUNAKAN METODE RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING, CAPITAL (RGEC) PERIODE 2017-2022 Febriyanti, Novi; Susetyo, Achmad Budi; Septiani, Reni; Nursyahidin, Rahmad
IJMA (Indonesian Journal of Management and Accounting) Vol 4, No 2 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21927/ijma.2023.4(2).393-407

Abstract

Salah satu Bank Syariah yang menjadi perhatian adalah PT Bank KB Bukopin Syariah, yang mana memiliki nilai rasio keuangan yang terus menurun dan melakukan rebranding di waktu yang bersamaan. Maka dari itu, perlu dilakukan penelitian untuk mengetahui kondisi terkini dan masa depan kesehatan bank syariah. Metode penelitian yang digunakan yakni deskriptif kuantitatif dengan data sekunder berupa laporan keuangan bank. Teknik pengumpulan data diambil melalui dokumentasi dan variabel yang digunakan diantaranya NPF, FDR, PDN, ROA, ROE, NI, BOPO, dan CAR untuk analisis tingkat kesehatan serta analisis forecasting menggunakan aplikasi Eviews dengan model ARIMA. Hasil penelitian menunjukkan bahwa tingkat kesehatan PT Bank KB Bukopin Syariah dengan metode RGEC selama tahun 2017-2019 berada dalam kategori “Cukup Sehat” dan tahun 2020-2022 dikatakan “Kurang Sehat”. Hasil forecasting potensi financial distress, bank secara keseluruhan dinyatakan “Berpotensi” mengalami financial distress untuk lima tahun yang akan datang yakni tahun 2023 hingga tahun 2027.
Implementation of New Prudential Banking Principles Through 6c + 1s at BSI KCP Godean Yogyakarta Wibisana, Karin Maria; Febriyanti, Novi
Journal of Finance and Islamic Banking Vol. 6 No. 1 (2023)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v6i1.6616

Abstract

The purpose of this research is to find out the application of new prudential banking principles through 6c + 1s at BSI KCP Godean Yogyakarta and to find out the obstacles and solutions carried out by BSI KCP Godean Yogyakarta in implementing prudential banking principles through 6c + 1s. This study used a qualitative research method with field research. The results of the study found that Bank BSI KCP Godean in providing musyarakah financing to prospective customers has applied the precautionary principle by using the 6c + 1s principle. It's just that there is one indicator in the capacity principle that has not been implemented, namely an indicator of an assessment through an educational approach or assessing the educational background of prospective customers. The obstacle in implementing new prudential banking through the 6c + 1 principles is that it is influenced by two factors, namely internal factors originating from the bank such as negligence or lack of thoroughness on the part of the bank in charge of surveying customers and external factors originating from the customer side which are caused due to two elements namely due to elements of intentionality and unintentionalness. The solution implemented by BSI KCP Godean Yogyakarta in overcoming these obstacles is by conducting routine training for employees, carrying out mutations, rotating employees, and mentoring and supervising superiors.
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)
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.
Learning Innovation of Islamic Education in Covid-19 Pandemic Nursyahidin, Rahmad; Rohman, Arif; Febriyanti, Novi
Jurnal Pendidikan Agama Islam Vol. 18 No. 1 (2021): Jurnal Pendidikan Agama Islam
Publisher : Yogyakarta: Jurusan Pendidikan Agama Islam Fakultas Ilmu Tarbiyah dan Keguruan UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jpai.2021.181-08

Abstract

Nowadays, during the covid-19 pandemic, the development of educational technology has brought a significant influence and contribution to education in the world which urges learning innovations. This research used a qualitative method with a literature study approach. The results show that several innovations emerge as new breakthroughs so that education would no longer be monotonous and conventional. Those innovations are (1) Project Based Learning, (2) Daring Methods, (3) Luring Methods, (4) Integrated Curriculum, (5) Blended Learning. Behind the learning innovation there are also supporting opportunities through educational technology, including (1) Educational technology makes information in conveying material is easier to obtain, (2) Educational technology creates a very broad scope during the pandemic period, (3) Educational technology has a beneficial impact on education actors, (4) Technology can replace the position of educators with independent learning. However, there are also obstacles that pose challenges, including (1) Islamic sources (Al-Qur'an and Hadith) as a source of Islamic teachings, (2) Technology as a scientific product and (3) Human Resources as technology users for the success of e-learning.
The Review of Islamic Law on the Distribution of Zakat Directly by Muzaki to Mustahik in the Sunan Ampel Religious Tourism Area in Surabaya Febriyanti, Novi
IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Vol. 11 No. 2 (2020): Iqtishaduna: Jurnal Ekonomi dan Keuangan Islam
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v11i2.2845

Abstract

BAZ/LAZ was formed as an implementation of zakat management objectives so that it runs well and professionally. Through this research, it can be seen how the implementation of zakat distribution in the Muslim community in carrying out zakat payments and the various factors that cause the Muslim community who is obliged to do zakat to choose to distribute zakat directly to mustahik. Related to this type of research, the researcher used descriptive qualitative research with sociological and empirical approaches. In this study, researchers took the research object in the Sunan Ampel Religious Tourism Area in Surabaya. From the results of this study it can be concluded that the pattern of zakat distribution in the Muslim community occurs in two policies, namely following the BAZ/LAZ policy and the policies pursued through the direct distribution of zakat. The factors causing direct distribution of zakat occur due to the lack of socialization of the latest laws, the long distance from BAZ/LAZ, lack of trust and muzakki feel that they are more affluent and practically pay zakat themselves. The emergence of these reasons, it can be said that the management of zakat is included in the distribution of zakat illegally and violates the law due to a lack of coordination in the management of zakat.
Effectiveness of Qris on Payment Efficiency Systems in Perspective of Maslahah Mursalah Bustamir, Aidil; Hidayati, Athi’; Febriyanti, Novi; Ritonga, Iskandar; Nurhayati, Nurhayati
Enrichment: Journal of Multidisciplinary Research and Development Vol. 3 No. 3 (2025): Enrichment: Journal of Multidisciplinary Research and Development
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/enrichment.v3i3.385

Abstract

This quantitative study investigates the impact of QRIS financial literacy and e-wallet promotions on the cashless society phenomenon, while also exploring its social-religious implications through the lens of Maslahah. Using a mixed-method approach, the study collected data from East Java residents who had used QRIS or e-wallets at least once, through accidental sampling. Quantitative data were analyzed using SmartPLS 3.0, complemented by qualitative interviews. The results show that QRIS financial literacy has no significant effect on the growth of the cashless society. Although literacy levels are increasing, they are not consistently followed by QRIS usage due to the availability of diverse non-cash alternatives. In contrast, e-wallet promotions have a significant and positive influence on cashless behavior. Respondents are more likely to adopt e-wallets due to attractive promotions and the influence of their social environment. From a Maslahah perspective, the cashless society has the potential to deliver social and economic benefit but also poses risks—particularly if it fuels impulsive, non-beneficial consumption. Maslahah serves as a guiding framework, encouraging the cashless movement to align with values that promote communal well-being and ethical financial behavior. This study recommends that Bank Indonesia intensify financial education on QRIS to boost adoption. Meanwhile, e-wallet platforms should continue offering positive promotional strategies to enhance user engagement while aligning with Maslahah principles to ensure responsible usage.
HUBUNGAN STRES IBU DENGAN PEMBERIAN ASI EKSKLUSIF PADA BAYI DI WILAYAH KERJA PUSKESMAS ALALAK SELATAN BANJARMASIN Febriyanti, Novi; Nito, Paul Joae Brett; Latifah, Latifah; Fetriyah, Umi Hanik
Jurnal Delima Harapan Vol 12 No 2 (2025): September
Publisher : AKADEMI KEBIDANAN HARAPAN MULYA PONOROGO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31935/delima.v12i2.322

Abstract

Latar Belakang: ASI eksklusif ditetapkan sebagai strategi percepatan penurunan stunting namun cakupannya belum mencapai target 80% dan Puskesmas Alalak Selatan terdata memiliki cakupan 75,2%. Stress yang dialami ibu diduga sebagai pemicu rendahnya produksi ASI sehingga ASI eksklusif tidak optimal dan dapat menyebabkan stunting. Tujuan: Menganalisis hubungan stress ibu dengan pemberian ASI eksklusif pada bayi di wilayah kerja Puskesmas Alalak Selatan. Metode: Penelitian kuantitatif dengan rancangan analitik korelatif cross sectional pada 35 ibu dan bayi usia 6-12 bulan yang dipilih secara purposive sampling. Pengumpulan data menggunakan kuesioner skala stress Holmes-Rahe dan pertanyaan tertutup tentang pemberian ASI ekslusif. Data di analisis dengan uji korelasi Kolmogorov Smirnov Z karena syarat chi square tidak terpenuhi yang ditandai dengan adanya 6 sel (75%) yang memiliki nilai ekspektasi <5. Hasil: Mayoritas responden teridentifikasi tidak mengalami stress dengan jumlah 15 orang (42,9%), tidak ASI eksklusif dengan jumlah 18 orang (51,4%), memiliki bayi stunting dengan jumlah 19 orang (54,3%) dan p value = 0,000. Simpulan: Ada hubungan stress ibu dengan pemberian ASI eksklusif pada bayi di wilayah kerja Puskesmas Alalak Selatan.
Faktor-Faktor yang Memengaruhi Keputusan Muzakki Membayar Zakat Secara Online Febriyanti, Novi; Wicaksana, Ragil Satria; Sahira, Alia Jihan; Susetyo, Achmad Budi; Nursyahidin, Rahmad; Luthfiana, Nuriya
JURNAL ECONOMINA Vol. 3 No. 4 (2024): JURNAL ECONOMINA, April 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v3i4.1280

Abstract

Penelitian ini bertujuan untuk menguji pengaruh Literasi Zakat, Literasi Digital, Persepsi Manfaat, Persepsi Kenyamanan dan Pengaruh Komitmen Terhadap Keputusan Membayar Zakat Profesional Menggunakan Sistem Pembayaran Zakat Digital. Sampel penelitian ini terdiri dari 140 informan yang telah membayar zakat profesinya dengan menggunakan sistem pembayaran zakat digital. Belajar Metode ini menggunakan analisis kuantitatif PLS-SEM dengan bantuan alat analisis SmartPLS 3. Hasil survey menunjukkan bahwa Literasi Zakat, Literasi Digital, Perceived Convenience dan Commitment Effect mempunyai pengaruh positif mempunyai dampak signifikan terhadap keputusan membayar zakat profesi dengan menggunakan metode sistem pembayaran zakat digital. Sedangkan variabel Persepsi Manfaat tidak berpengaruh terhadap keputusan membayar zakat profesi menggunakan sistem pembayaran zakat digital.
Analisis Analisis Shifhshare Lintas Sectoral Industri di Kabupaten Tulungagung Periode 2016-2021 susetyo, achmad budi; Febriyanti, Novi
SINDA: Comprehensive Journal of Islamic Social Studies Vol 3 No 2 (2023): volume ,3 Nomor 2 Agustus 2023
Publisher : Universitas Nahdlatul Ulama Blitar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28926/sinda.v3i2.1095

Abstract

Penxelitian ini bertujuan untuk menganalisis kinerja industri sectoral pada Kabupaten Tulungagung yang dibandingkan dengan sectoral yang ada Jawa Timur. penelitian ini adalah kuantitatif dengan teknik pengamxbilan sampel menggxunakan purposive sampling. Metode pengumpulan data yang diguxnakan ialah dengan menggunakan dokumen Teknik pengolahan data yang dilakukan ialah melalui analisis shifshare. Adapun hasil penelitian menunjukkan bahwa (1) pertumbuhan ekonomi positif di provinsi Jawa Timur memberikan efek mendorong pertumbuhan ekonomi di Kabupaten Tulungagung, (2) terdapat 9 sektor dengan pertumbuhan negative di tingkat Jawa Timur yang memberikan efek yang sama terhadap industri di Kabupaten Tulungagung, (3) ada 7 sektor ekonomi di Kabupaten Tulungagung yang memiliki daya saing positif terhadap sektor ekonomi yang sama dengan Provinsi Jawa Timur, (4) Terdapat 7 sektor industri progresif dan 10 sektor industry non progresif di Kabupaten Tulungagung
The Moderated Impact of Deviden Policy on Profitability to Firm Values; susetyo, achmad budi; Febriyanti, Novi
SINDA: Comprehensive Journal of Islamic Social Studies Vol 3 No 2 (2023): volume ,3 Nomor 2 Agustus 2023
Publisher : Universitas Nahdlatul Ulama Blitar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28926/sinda.v3i2.1100

Abstract

The increasing public interest in investment, prompting a wider range of investment options, from the money market to the stock market. In the stock market there are quite a number of investment modes, both preferential and ordinary stocks and their derivatives, all of which can be measured from the fundamental side, both in terms of profitability, deviden, to the value of the Company. The study aims to investigate the impact of profitability and dividend policy on the value of the company, whose target company is an indexed issuer of the Jakarta Islamic Index (JII) in the period 2022-2023. Data collection method used using purposive sampling with data sources as secondary data. The analytical tool used in this study is Moderated Regression Analysis. The results of the research show that the deviden policy has a role as a moderating homologizer, which means these variables have the potential to moderate the power of influence between the profitability and value of the company. As for the direction of influence, the deviden policy has a positive impact, where the larger the dividend distributed, the higher the company's value achieved.
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