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All Journal Jurnal Perbankan Syariah Darussalam (JPSDa) SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah JURNAL ILMIAH GEMA PERENCANA Multifinance
Lesmana, Ceta Indra
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Religion Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Social Sciences

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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.
Co-Authors 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