Article Per Year (5 Year)
p-Index From 2020 - 2025
1.048
P-Index
This Author published in this journals
All Journal AKASYAH: Jurnal Akuntansi, Keuangan dan Audit Syariah Jurnal Perbankan Syariah Darussalam (JPSDa) SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah JURNAL ILMIAH GEMA PERENCANA Multifinance Danadyaksa: Post Modern Economy Journal
Lesmana, Ceta Indra
Unknown Affiliation
Religion Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

Published : 6 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 6 Documents
Search

 1 
ELECTIONS AND THE ECONOMY OF ISLAMIC BOARDING SCHOOLS IN INDONESIA: POSITIVE AND NEGATIVE IMPACTS Lestari, Dwi Puji; Sa’niyah, Jumrotus; Wahib, Mahasinul; Garijati Arkiang, Rochdal; Budianto, Lestari; Lesmana, Ceta Indra
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 4 No. 2 (2024): Juli 2024
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v4i2.3219

Abstract

This research article explores the complex relationship between electoral processes and the economic dynamics of Islamic boarding schools (pesantren) in Indonesia. Through a comprehensive analysis of the economic activities and funding sources of pesantren, this research aims to identify both the beneficial and detrimental impacts of elections on these religious institutions. The research highlights how political campaigns and promises of financial support during election periods can lead to increased investments and improvements in infrastructure within pesantren. Conversely, the research also uncovers the potential for economic instability caused by the politicization of educational funding, leading to fluctuating resources and dependency on political agendas. By examining case studies from various regions, the article provides a nuanced understanding of how electoral outcomes can influence the sustainability and economic resilience of Islamic boarding schools. The findings underscore the need for a more stable and transparent funding mechanism that ensures the financial health of pesantren, irrespective of political cycles. This research contributes to the broader discourse on the intersection of politics, education, and religion in Indonesia, offering valuable insights for policymakers, educators, and religious leaders.
Penerapan Sistem Bagi Hasil Pada Produk Pembiayaan Modal Kerja Di BANK DKI KCS Sidoarjo Marsa, Dinda; Lesmana, Ceta Indra; Azkiya, Ziana
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 7 No 2 (2025): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v7i2.218

Abstract

Bank DKI merupakan lembaga keuangan dengan kepemilikan saham terbesar oleh Pemerintah Provinsi DKI Jakarta. Bank DKI memiliki banyak produk pembiayaan yang ditawarkan dan cabang yang ada di Indonesia, sehingga jumlah debitur disetiap tahunnya memiliki peningkatan yang cukup besar. Sementara tingkat Non-Performing Financing (NPF) mengalami penurunan. Penelitian ini bertujuan untuk mengetahui penerapan sistem bagi hasil di Bank DKI, khususnya di cabangnya, yaitu Bank DKI KCS Sidoarjo. Metode penelitian yang digunakan adalah deskriptif kualitatif, yang mencerminkan pendekatan naturalistik dalam penelitian. Bank DKI KCS Sidoarjo menerapkan sistem bagi hasil dengan metode revenue sharing, di mana keuntungan dari pembiayaan modal kerja dibagi berdasarkan total pendapatan nasabah sebelum biaya lainnya.
SHARIA CREDIT RISKS: WOMEN'S ROLE IN REDUCING POVERTY Lesmana, Ceta Indra
Multifinance Vol. 1 No. 3 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v1i3.111

Abstract

Alleviation poverty, especially among women, is a serious challenge in Indonesia. Finance microsharia emerged as a potential solution. For empowerment, women should approach sharia credit. This article discusses necessary risks noticed, like credit traffic jams, fraud, and risk reputation, in development finance microsharia. Management good risk has become a key continuity business. Apart from that, the importance of education and literacy finance, supporting the government, and partnerships with various parties in increasing the contribution of women to overcome poverty through Sharia credit is highlighted. Utilisation of the potential for zakat, waqf, and Islamic values is also a crucial aspect. Inclusionary and sustainable microfinance models are expected to positively impact women's economic empowerment. With a holistic, inclusive, and sustainable approach, it is hoped that women can play a significant role in alleviating poverty and positively impacting various layers of society in Indonesia.
Mengapa Decision Memilih Bank Syariah Rendah? Membaca Peran dalam Mempengaruhi Interest Student Ilahi, Yuwan Ferdiana; Abidin, Munirul; Suprayitno, Eko; Lesmana, Ceta Indra
JURNAL ILMIAH GEMA PERENCANA Vol 4 No 2 (2025): Jurnal Ilmiah Gema Perencana
Publisher : POKJANAS Bekerja Sama Biro Perencanaan dan Penganggaran, Sekretariat Jenderal Kementerian Agama RI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61860/jigp.v4i2.233

Abstract

Even though Indonesia is home to the largest number of Muslims worldwide, the number of people who use Islamic banking services is still somewhat lower than that of conventional banks. The purpose of this study is to identify the factors that make student less inclined to choose a syariah bank. This study examines how the environment and perceptions affect confidence and adherence to using a syariah bank by using a quantitative deskriptif method and through SmartPLS analysis. The analysis's findings indicate that the environment has a significant impact on perception, with a koefisien of 0.185 (p < 0,001). Perception also has a positive impact on interest, with a coefficient of 0.417% (p < 0,001). Perception, however, does not indicate a significant impact on decision, with a koefisien of 0.138 (p = 0,074). In addition, interest proven has a significant impact on decision, with a coefficient of 0.709 (p < 0,001). This finding indicates that perception mediates the influence of the environment on interest, The student's final decision is imperceptibly affected by their interest regarding syariah bank products. The results indicate that there are significant effects of the environment on perception, with perceptions influencing the relationship between the environment and interest. However, Perception does not indicate a significant impact on decision, indicating that there is a lack of agreement between interest and nyata. All of this provides a strategic plan to help syariah banks increase their positive credit and turn their interest into a nyata decision.
The Influence of the Level of Financial Literacy and Digital Literacy on Generation Z's Interest in Saving at Bank Muamalat Indonesia KCP Mojokerto Ardiansyah, Norick; Lesmana, Ceta Indra
Danadyaksa: Post Modern Economy Journal Vol. 1 No. 2 (2024): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v1i2.35

Abstract

This research aims to determine the influence of financial literacy and digital literacy levels on Generation Z's interest in saving at Bank Muamalat Indonesia KCP Mojokerto. This research uses quantitative methods using primary data. The population of this research is Generation Z customers who save at Bank Muamalat Indonesia KCP Mojokerto. Data collection was carried out by distributing questionnaires to customers in the city of Mojokerto as many as 96 sample respondents using a purposive sampling technique with the following considerations: (1) generation Z customers who save at Bank Muamalat Indonesia KCP Mojokerto. The data obtained was then processed using the multiple linear regression method using IBM SPSS 25 software. The analysis used included validity and reliability tests, classical assumption tests, multiple linear regression tests, and hypothesis testing. The results of this research show that partially financial literacy has a positive and significant effect on Generation Z's interest in saving at Bank Muamalat Indonesia KCP Mojokerto, digital literacy has a positive and significant effect on Generation Z's interest in saving at Bank Muamalat Indonesia KCP Mojokerto. Simultaneously financial literacy and digital literacy influence Generation Z's interest in saving at Bank Muamalat Indonesia KCP Mojokerto.
The Effect of Marketing IB Hijrah Savings Products on Customer Trust and Purchase Tension Through the Referral Program at Bank Muamalat Mojokerto lesmana, ceta indra
AKASYAH: Jurnal Akuntansi, Keuangan dan Audit Syariah Vol. 4 No. 1 (2024): Jurnal AKASYAH: Akuntansi, Keuangan dan Audit Syariah
Publisher : Department of Islamic Accounting, Faculty of Islamic Economics and Business, IAIN Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58176/akasyah.v4i1.1055

Abstract

Penelitian ini bertujuan untuk mengetahui Pengaruh Pemasaran Produk Tabungan IB Hijrah terhadap Kepercayaan Nasabah dan Ketegangan Pembelian melalui Referral Program di Bank Muamalat KCP Mojokerto. Penelitian ini menggunakan metode kuantitatif dengan menggunakan data primer. Metode analisis yang digunakan dalam penelitian ini menggunakan metode SEM melalui alat analisis smartPLS 4.0. Hasil penelitian ini menunjukkan bahwa pemasaran produk tabungan IB Hijrah berpengaruh signifikan terhadap kepercayaan nasabah. Pemasaran produk tabungan IB Hijrah berpengaruh signifikan terhadap ketegangan pembelian. Pemasaran produk tabungan IB Hijrah berpengaruh signifikan terhadap program referral. Program Referral tidak berpengaruh signifikan terhadap kepercayaan pelanggan. Program rujukan berpengaruh signifikan terhadap niat pembelian. Pemasaran produk tabungan IB Hijrah tidak mampu memediasi kepercayaan nasabah berpengaruh signifikan terhadap program referral. Pemasaran produk tabungan IB Hijrah mampu memediasi intensi pembelian hingga memberikan pengaruh yang signifikan terhadap program referral.
Co-Authors Ardiansyah, Norick Azkiya, Ziana Budianto, Lestari Dwi Puji Lestari, Dwi Puji Eko Suprayitno Garijati Arkiang, Rochdal Ilahi, Yuwan Ferdiana Marsa, Dinda Munirul Abidin Sa’niyah, Jumrotus Wahib, Mahasinul