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All Journal Journal of Economic, Bussines and Accounting (COSTING) PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Jurnal At-Tamwil: Kajian Ekonomi Syariah Jurnal Pengabdian Masyarakat Sains dan Teknologi Al Urwah : Sharia Economics Journal Journal of Islamic Economics Studies and Practices (JIESP). Jurnal At-Tamwil: Kajian Ekonomi Syariah Sosaintek: Jurnal Ilmu Sosial Sains dan Teknologi
Aysa, Imma Rokhmatul
Universitas Islam Tribakti Lirboyo Kediri
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Public Health Social Sciences Other

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Analisis Perhitungan Bagi Hasil Simpanan Mudharabah di KSSU Harum Dhaha Kediri Choliqul Abdaiyatus Sholihah; Imma Rokhmatul Aysa
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 1 No. 2 (2019): Jurnal At Tamwil, September 2019
Publisher : Institut Agama Islam Tribakti Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at.v1i2.1060

Abstract

Abstrak Koperasi Syari’ah merupakan suatu lembaga keuangan yang menggunakan prinsip syari’ah. Koperasi Syari’ah sendiri memiliki beberapa produk penghimpun dana dan penyalur dana. Salah satu produk penghimpun dana yang ditawarkan Koperasi Syari’ah untuk para anggotanya adalah Simpanan Mudharabah. Simpanan Mudharabah merupakan simpanan anggota yang akan dikelola/dialokasikan oleh pihak koperasi dengan menggunakan akad mudharabah. Penelitian ini menggunakan penelitian kualitatif yang bersifat deskriptif. Penelitian kualitatif deskriptif. Pengumpulan data menggunakan wawancara langsung dengan direktur dan karyawan KSSU Harum Dhaha Kediri. Serta menggunakan metode observasi dan wawancara. Hasil penelitian ini adalah pelaksanaan perhitungan bagi hasil simpanan mudharabah di KSSU Harum Dhaha Kediri anggota/pemilik modal menyerahkan dananya kepada pihak koperasi/pengelola untuk dialokasikan/dikelola dari pengalokasian dana tersebut maka pihak anggota dan koperasi akan mendapatkan keuntungan dan dari keuntungan tersebut akan dihitung bagi hasil untuk kedua belah pihak. Analisis syari’ah terhadap perhitungan bagi hasil simpanan mudharabah yaitu sudah sesuai dengan rukun mudharabah. Jenis mudharabah yang digunakan adalah mudharabah mutlaqah.
Strategi Pengembangan Ekonomi Kreatif di Era Digital: Studi Kasus Zydnaa Edukasi Jombang Imma Rokhmatul Aysa
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 2 No. 2 (2020): Jurnal At Tamwil, September 2020
Publisher : Institut Agama Islam Tribakti Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at.v2i2.1337

Abstract

Zydnaa education as a creative economy actor is creating a creative work whose results can be useful for the community, especially in the world of education. This study aims to analyze the strategies that have been carried out by Zydnaa Education in developing its products in the current digital era so that they can survive even in the midst of the Covid-19 outbreak that hit Indonesia. Research on creative economic development strategies is carried out using a qualitative approach with a case study technique. The data used in this research consists of primary data (owner) and secondary data (literature). The technique of determining informants using purposive sampling. From the research results, it was found that the strategies implemented by zydnaa education consist of internal factors (strengths and opportunities) and external (weaknesses and threats). Whereas suggestions from researchers for educational zydnaa related to strategies that will be taken in the future include collaborating with formal or non-formal educational institutions to distribute their products as learning tools that are of interest to children, making simple financial reports regularly both monthly and annually, and adding a positive image of the business because it will appear to be implementing professional business practices.
Tantangan Transformasi Digital Bagi Kemajuan Perekonomian Indonesia Imma Rokhmatul Aysa
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 3 No. 2 (2021): Jurnal At Tamwil, September 2021
Publisher : Institut Agama Islam Tribakti Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at.v2i3.1458

Abstract

Ekonomi digital saat ini terus berkembang di dunia tak terkecuali di Indonesia, hal ini ditandai dari meningkatnya pengguna internet. Awal tahun 2021 pengguna internet di Indonesia mencapai 202,6 juta jiwa meningkat 15,5 persen atau 27 juta jiwa jika dibandingkan pada Januari 2020. Terlebih saat pandemi covid-19 telah merubah mekanisme pelayanan jasa dan perilaku konsumen. Para pelaku usaha perlu berinovasi agar bagaimana bisa menyelaraskan kebiasaan baru para konsumen dari model jual beli konvensional menjadi e-commerce. Asosiasi Ecommerce Indonesia mencatat bahwa hingga Maret 2021 jumlah UMKM yang tergabung dalam berbagai marketplace telah mencapai kisaran 4,8 juta. Angka tersebut mengalami kenaikan dari akhir 2020 sebesar 3,8 juta. Namun ternyata kemajuan digitalisasi tak hanya mendatangkan keuntungan bagi pelaku usaha yang mampu berkembang dalam mengikuti kemajuan teknologi, namun juga menjadikan ketimpangan bagi yang tidak mampu mengikuti perkembangan digitalisasi. Penelitian ini adalah kajian pustaka dan hasil olah pikir peneliti. Jenis data yang digunakan adalah data sekunder dengan pendekatan kualitatif. Beberapa manfaat yang bisa kita peroleh dari digitalisasi bagi perkembangan perekonomian Indonesia diantanya pangsa pasar luas, transaksi lebih mudah, produksi meningkat, pembayaran lebih sederhana, dan promosi lebih variatif. Sedangkan sisi mudharat diantaranya kurangnya serapan tenaga kerja, rentan terjadi penipuan, dan plagiarisme. Selain itu sektor yang potensial berkembang di era digitalisai diantanya sektor keuangan, sektor pertanian, dan sektor kebudayaan, pariwisata, dan ekonomi kreatif.
Analisis Laporan Keuangan Sebagai Penilaian Kinerja Keuangan PT Indofood Sukses Makmur Tbk Imma Rokhmatul Aysa
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 5 No. 2 (2023): Jurnal At Tamwil, September 2023
Publisher : Institut Agama Islam Tribakti Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367//at.v5i2.1482

Abstract

Indofood Sukses Makmur Tbk is one of the largest companies in Indonesia in the food industry with its business units engaged in food management. The rapid development of PT Indofood Sukses Makmur's business activities certainly requires investors and creditors as a source of funding. Both need to analyze the company's financial statements as a reference source of company financial health information. Based on the financial reports of PT Indofood Sukses Makmur Tbk for the period 2018 to 2022 there has been an increase in fluctuations even though in 2020 to 2021 Indonesia was hit by the covid 19 pandemic. This type of research is quantitative descriptive research with data sources of PT Indofood Sukses Makmur's financial reports as of December 31 of the year 2018 to 2022. The first result, the assessment of the financial performance of PT Indofood Sukses Makmur based on analysis of liquidity ratios using the current ratio, obtained that the value of the current ratio from 2018 to 2022 experienced fluctuating conditions but was still in the very good category, namely above number 1. Second, the results solvency ratio analysis using the Debt to Asset ratio (DAR), it was found that the DAR values ​​from 2018 to 2022 were in the very good category, namely proficient under number 1. Third, profitability ratio analysis using the Return of Equity (ROE) ratio, it was found that the ROE value from 2018 to 2022 experiencing fluctuating conditions but still in the efficient category.
Pendampingan Pembuatan Nomor Induk Berusaha (NIB) Melalui Online Single Submission (OSS) dan Rebranding Bagi Pelaku Usaha Mikro di Desa Bulu Kediri Imma Rokhmatul Aysa; Sutantri Sutantri
Jurnal Pengabdian Masyarakat Sains dan Teknologi Vol. 2 No. 4 (2023): Desember : Jurnal Pengabdian Masyarakat Sains dan Teknologi
Publisher : Fakultas Teknik Universitas Cenderawasih

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58169/jpmsaintek.v2i4.291

Abstract

The national economy in Indonesia is currently increasing, especially in the Small, Micro and Medium Enterprises (MSME) sector. In the business process, obtaining a permit is considered very important. For micro business actors, having legality is a necessity and a necessity for the continuity of their business. There are approximately 10 MSMEs in Bulu Village, but these actors do not yet have an NIB (Business Identification Number). Apart from that, there are many business actors who have not branded their products with name labels. The implementation of service activities is divided into 4 stages, firstly conducting observations, secondly providing counseling about the importance of NIB and product rebranding, thirdly implementing activities, and finally evaluation. NIB's mentoring services and product rebranding for micro-entrepreneurs in Bulu Village provide positive benefits. Initially they thought that arranging a business permit was complicated, long and expensive, but after receiving assistance they understood that the procedure for obtaining an NIB permit is very easy through OSS and there are many benefits for business actors who have labeled their products so that they are more widely known by relevant consumers. quality, composition, brand, production code and legality
The Effect of Implementing Sharia Principles in the Financial Industry on Economic Stability: Case Study at Bank BTPN Syariah Tama Putra Saratian, Eko; Rokhmatul Aysa, Imma; Sudiana, Urip
Al Urwah : Sharia Economics Journal Vol. 1 No. 2: Innovating Islamic Finance: Service Excellence, Digital Transformation, and Ethical Em
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v2i01.50

Abstract

This study investigates the impact of implementing Sharia principles on economic stability, using Bank BTPN Syariah as a case study. By adhering to core Islamic financial tenets such as the prohibition of interest (riba), the avoidance of excessive uncertainty (gharar), and the emphasis on risk-sharing and asset-backed financing, Bank BTPN Syariah aims to foster a more resilient and ethical financial system. Data was collected through interviews with key stakeholders, surveys of clients, and analysis of financial documents. The findings indicate that the application of Sharia principles contributes significantly to financial stability by promoting prudent risk management and ethical investment practices. The bank's focus on financial inclusion and supporting underserved communities enhances economic stability and client trust. This study reinforces existing theoretical frameworks that highlight the benefits of Islamic banking in mitigating financial risks and promoting sustainable economic growth. Practical implications for Bank BTPN Syariah include maintaining strong regulatory compliance and enhancing ethical conduct, while broader recommendations for the Islamic banking sector and policymakers emphasize the need for supportive frameworks to facilitate the widespread adoption of Sharia principles. Future research should explore the long-term impacts of Sharia-compliant practices and the role of technological advancements in this sector.
Sustainable Finance: Nurturing Your Savings and the Planet Eko Tama Putra Saratian; Imma Rokhmatul Aysa; Urip Sudiana
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 4 (2024): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i4.10722

Abstract

This study investigates the dynamics of sustainable finance practices, environmental awareness, and financial outcomes among customers of Bank Artha Graha. Through quantitative analysis employing structural equation modeling, the research examines the direct and indirect effects of Sustainable Financial Practices and Environmental Awareness on Sustainable Investment Returns and Savings Growth. Findings reveal a significant direct influence of Sustainable Financial Practices on both Sustainable Investment Returns and Savings Growth, emphasizing the importance of integrating environmental, social, and governance criteria into financial products and services. While Environmental Awareness demonstrates a marginal direct effect on Savings Growth, it does not significantly impact Sustainable Investment Returns. However, the analysis indicates that Sustainable Financial Practices indirectly influence Savings Growth through their impact on Sustainable Investment Returns. These results underscore the critical role of sustainable finance principles in promoting financial growth aligned with environmental responsibility, offering valuable insights for stakeholders in the banking industry and beyond.
Analisis Perhitungan Bagi Hasil Simpanan Mudharabah di KSSU Harum Dhaha Kediri Sholihah, Choliqul Abdaiyatus; Aysa, Imma Rokhmatul
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 1 No. 2 (2019): Jurnal At Tamwil, September 2019
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v1i2.1060

Abstract

Abstrak Koperasi Syari’ah merupakan suatu lembaga keuangan yang menggunakan prinsip syari’ah. Koperasi Syari’ah sendiri memiliki beberapa produk penghimpun dana dan penyalur dana. Salah satu produk penghimpun dana yang ditawarkan Koperasi Syari’ah untuk para anggotanya adalah Simpanan Mudharabah. Simpanan Mudharabah merupakan simpanan anggota yang akan dikelola/dialokasikan oleh pihak koperasi dengan menggunakan akad mudharabah. Penelitian ini menggunakan penelitian kualitatif yang bersifat deskriptif. Penelitian kualitatif deskriptif. Pengumpulan data menggunakan wawancara langsung dengan direktur dan karyawan KSSU Harum Dhaha Kediri. Serta menggunakan metode observasi dan wawancara. Hasil penelitian ini adalah pelaksanaan perhitungan bagi hasil simpanan mudharabah di KSSU Harum Dhaha Kediri anggota/pemilik modal menyerahkan dananya kepada pihak koperasi/pengelola untuk dialokasikan/dikelola dari pengalokasian dana tersebut maka pihak anggota dan koperasi akan mendapatkan keuntungan dan dari keuntungan tersebut akan dihitung bagi hasil untuk kedua belah pihak. Analisis syari’ah terhadap perhitungan bagi hasil simpanan mudharabah yaitu sudah sesuai dengan rukun mudharabah. Jenis mudharabah yang digunakan adalah mudharabah mutlaqah.
Pelatihan Pemanfaatan Digital Marketing dan Strategi Packaging untuk Meningkatkan Consumer Buying Interest pada UMKM Binaan Rumah Kurasi di Desa Joho Semen Kediri: Training on the Utilization of Digital Marketing and Packaging Strategies to Increase Consumer Buying Interest in MSMEs Fostered by Rumah Curasi in Joho Semen Village, Kediri Aysa, Imma Rokhmatul; Sutantri, Sutantri; Mala, Iva Khoiril; Fattah, Fuad Abdul; Lestari, Dewi Ayu Intan; Husna, Murni
PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 10 No. 7 (2025): PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/pengabdianmu.v10i7.9005

Abstract

Community Service was carried out by a team of lecturers from the Faculty of Sharia and Economics, UIT Lirboyo Kediri, and the Faculty of Economics and Business, Universitas Negeri Malang, and students of the Sharia Banking Study Program, Faculty of Sharia and Economics, UIT Lirboyo Kediri, which was carried out in Joho Village, Semen District, Kediri Regency. Targeting UMKM actors. The main objective of this activity is to improve skills in the economic field, especially digital marketing and packaging of UMKM products. This mentoring activity was carried out through a workshop that was held for several days, targeting UMKM actors of approximately 24 participants. The workshop material consisted of literature about digital marketing, including marketing strategies that study how to promote products through digital media to reach consumers quickly, precisely, personally, and relevantly. Material on product packaging includes processes related to designing and manufacturing containers or wrappers to protect a product. The obstacles faced in this mentoring include the lack of education about digital marketing, product packaging, and internet networks, and they only rely on offline sales, so product sales are not yet widespread. It is expected that with this assistance, the ability of MSME actors in digital marketing and product packaging strategies will increase.
Analisis Laporan Keuangan Sebagai Penilaian Kinerja Keuangan PT Indofood Sukses Makmur Tbk Aysa, Imma Rokhmatul
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 5 No. 2 (2023): Jurnal At Tamwil, September 2023
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v5i2.4322

Abstract

Indofood Sukses Makmur Tbk is one of the largest companies in Indonesia in the food industry with its business units engaged in food management. The rapid development of PT Indofood Sukses Makmur's business activities certainly requires investors and creditors as a source of funding. Both need to analyze the company's financial statements as a reference source of company financial health information. Based on the financial reports of PT Indofood Sukses Makmur Tbk for the period 2018 to 2022 there has been an increase in fluctuations even though in 2020 to 2021 Indonesia was hit by the covid 19 pandemic. This type of research is quantitative descriptive research with data sources of PT Indofood Sukses Makmur's financial reports as of December 31 of the year 2018 to 2022. The first result, the assessment of the financial performance of PT Indofood Sukses Makmur based on analysis of liquidity ratios using the current ratio, obtained that the value of the current ratio from 2018 to 2022 experienced fluctuating conditions but was still in the very good category, namely above number 1. Second, the results solvency ratio analysis using the Debt to Asset ratio (DAR), it was found that the DAR values ​​from 2018 to 2022 were in the very good category, namely proficient under number 1. Third, profitability ratio analysis using the Return of Equity (ROE) ratio, it was found that the ROE value from 2018 to 2022 experiencing fluctuating conditions but still in the efficient category.
Co-Authors Choliqul Abdaiyatus Sholihah Dewi Ayu Intan Lestari Eko Tama Putra Saratian Fattah, Fuad Abdul Husna, Murni Iva Khoiril Mala Lestari, Dewi Ayu Intan Muhammad Fauzi Alamsyah Muhammad Irsyad Elfin Mujtaba Muhammad Maimun Haki Al Arif Nur Rohim Al Mahrus Anwar Nurfitriani, Ika Selah Nurul Ma'rifah Sholihah, Choliqul Abdaiyatus Sudiana, Urip Sutantri Sutantri Urip Sudiana