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PENGARUH PARTICIPATORY BUDGETING DAN INFORMASI ASIMETRIS TERHADAP BUDGETARY SLACK PADA BADAN PENDAPATAN, PENGELOLAAN KEUANGAN DAN ASET DAERAH (BPPKAD) KABUPATEN SUMENEP Iqbal Rafiqi; Sri Kania Dewi Yana; Nabilatul Fitriyah
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 2, No 1 (2021): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

In government organizations, the budget is a guideline for financial management in order to achieve goals. Budgeting is an important perspective for the public and private sectors. This study aims to determine the effect of participatory budgeting and information asymmetry on budgetary slack in the Regional Revenue, Financial and Asset Management Agency of Sumenep Regency. Sampling using purposive sampling method, totaling 27 structural employees. Data collection was done through a questionnaire. The analytical technique used in this research is regression analysis with IBM SPSS 20 software for windows.Based on the results of data management, it was obtained that the f-test significance value for the influence of participatory budgeting and information asymmetry on budgetary slack was 0.205 > 0.05. This proves that Ho3 is accepted and Ha3 is accepted. This means that there is no significant effect of budgetary participation and information asymmetry on budgetary slack in a negative direction. Thus, the participatory budget of subordinates and information asymmetry, the difference in information held by subordinates and superiors at the Regional Revenue, Financial and Asset Management Agency in Sumenep Regency does not really affect the existence of budgetary slack.

DETERMINAN PENANAMAN MODAL ASING DI INDONESIA PERIODE 1970-2020: PENDEKATAN NARDL Achmad Jufri; Sandi Mulyadi; Muhammad Ghafur Wibowo; Iqbal Rafiqi
JURNAL DINAMIKA EKONOMI PEMBANGUNAN Vol 4, No 3 (2021): DECEMBER
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/jdep.4.3.232-244

This study aims to examine the asymmetric relationship between trade opennes, exchange rate and market size to FDI (Foreign Direct Investment) in Indonesia using the NARDL (Non Linear Autoregressive Distributed Lag) method during the period 1970 to 2020. The results of the study found that there was a long-term asymmetrical effect of market size and trade openness on FDI. Meanwhile, the asymmetric effect of the dollar exchange rate on FDI was not found.

COMPETITIVE ADVANTAGE GADAI EMAS SYARIAH PADA MASA TRANSISI COVID-19 DI BANK SYARIAH INDONESIA KCP. SUMENEP TRUNOJOYO 1 Iqbal Rafiqi; Maftuhatul Faizah
Assyarikah: Journal of Islamic Economic Business Vol 3, No 2 (2022): Assyarikah: Journal Of Islamic Economic Business
Publisher : Al-Amien Prenduan for Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/assyarikah.v3i2.831

Pandemi Covid-19 membuat situasi perekonomian berubah. Hal itu bisa dilihat dari kondisi masyarakat yang kesulitan dalam memperoleh penghasilan untuk mencukupi kebutuhan sehari-hari. Tidak hanya itu, bahkan di lembaga keuangan syariah khususnya perbankan syariah hal itu tentunya juga menjadi hambatan dalam proses transaksi antar Bank dan nasabah. salah satu produk Bank Syariah ialah produk rahn (gadai emas), yang dalam keadaan normal sebelum adanya Covid-19 merupakan produk yang sangat diminati oleh nasabah. lalu bagaimana strategi promosi dan nilai taksiran pembiayaan gadai emas BSI Sumenep Trunojoyo 1 di era Covid-19?. Penelitian ini bertujuan untuk mengetahui strategi bank syariah dalam meningkatkan jumlah nasabah melalui promosi dan nilai taksiran gadai emas di masa transisi Covid-19 untuk menciptakan competitive advantage. Metode yang digunakan dalam penelitian ini ialah metode kualitatif dengan menggunakan tekhnik wawancara dan studi kepustakaan. Hasil penelitian ini ialah adanya wabah Covid-19 mengakibatkan peminat gadai di Bank Syariah Indonesia KCP Sumenep Trunojoyo 1 semakin meningkat karena menawarkan gadai yang murah, nilai taksiran yang tinggi dan proses pencairan yang cepat. Hal ini ditopang dengan layanan perpanjangan otomatis di masa wabah Covid-19 untuk menciptakan competitive advantage sehingga nasabah mudah serta nyaman dalam bertransaksi.

The Effect of Pick-up Service Savings on Customer Loyalty of BPRS Bhakti Sumekar Pragaan Branch Office Moderated Customer Satisfaction Moh. Helmi Hidayat; Kholifatul Hasanah; Iqbal Rafiqi
JES (Jurnal Ekonomi Syariah) Vol 8, No 1 (2023): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v8i1.443

This research is a quantitative research by using multiple linier regression analysis and interaction analysis (MRA). The method of data collection uses a questionnaire. The goal of this research is to analyze the effect of barokah savings pick-up service and customer satisfaction on customer loyalty of BPRS Bhakti Sumekar Pragaan Branch Office. It also analyzes the relation of barokah savings pick-up service on customer loyalty of BPRS Bhakti Sumekar Pragaan Branch Office moderated by customer satisfaction. The results of multiple linear regression analysis show that the p-value of the pick-up service variable is 0.111 > 0.05, and customer satisfaction is 0.001<0.05, Based on the results of the MRA test, the p-value of interaction variable between the pick-up service and customer satisfaction is 0.009 < 0.05. These results mean that the barokah savings pick-up service has no significant effect on customer loyalty at BPRS Bhakti Sumekar, customer satisfaction has a significant influence on customer loyalty BPRS Bhakti Sumekar Pragaan Branch Office. Customer’s satisfaction, however, can moderate the interaction between the savings pick-up service and customer loyalty. Thus, for increasing customer loyalty on the firm, the employees have to pay attention to the service provided and try to provide it according to what is communicated to the costumers.

Determinants of Profitability of Islamic Commercial Banks in Indonesia with Third-Party Funds as A Moderating Variable Iqbal Rafiqi; Annisa Annisa
Assyarikah: Journal of Islamic Economic Business Vol 4, No 1 (2023): Assyarikah: Journal Of Islamic Economic Business
Publisher : Al-Amien Prenduan for Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/assyarikah.v4i1.1179

Profitability is one of the ratios needed to assess the health of a bank. The health of a bank is a reflection of the current and future condition of the bank. So many factors that affect the level of profitability of a bank are reviewed from several existing studies. The purpose of this study is to find out whether the independent variables chosen by the researcher affect the profitability of the bank and whether third-party funds can moderate the relationship between the two. Sharia Commercial Banks (BUS) as many as 13 BUS became the population, while the research sample was 5 BUS choosen based on judgement / purposive sampling techniques. The data analysis technique used is moderated regression analysis with the SPSS20 application. Profitability is a dependent variable while the independent variables are capital adequacy ratio (CAR) and financing deposit to ratio (FDR), and third-party funds (DPK) as moderating variables. The results of the study based on the t-test of CAR, FDR and DPK did not have a significant effect on the profitability of Islamic Commercial Banks in Indonesia. And based on the results of the moderation regression analysis test, DPK can moderate the relationship between CAR and FDR variables to the profitability of Islamic Commercial Banks.

INVESTASI PENGUATAN EKONOMI KREATIF BERBASIS PENDAMPINGAN PRODUKSI USAHA MIKRO HALAL DI DESA SOGIYAN Iqbal Rafiqi
ABDINA: Jurnal Sosial dan Pengabdian kepada Masyarakat Vol 1, No 2 (2022)
Publisher : ABDINA: Jurnal Sosial dan Pengabdian kepada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/abdina.v1i2.546

Assistance in the production of halal micro business of sale mamba bananas in Sogiyan village in supporting investment in the development of this creative economy is based on natural resources, namely bananas are found in Sogiyan village but are not utilized to make it more economical. The purpose of this assistance is to make village assets more economical and help the village's creative economy. The results of the production assistance for the sale mamba banana halal mikra business in Sogiyan village are 1). The village head and PKK women welcomed and carried out the training with enthusiasm so as to create delicious and contemporary products to be accepted by all circles. 2). There are still obstacles to online marketing through social media carried out by PKK women and the need for a Village Owned Enterprise (BUMDES) in order to advance the typical businesses of Sogian village.

STRATEGI FUNDRAISING ZAKAT INFAQ SHADAQAH DI LAZISNU DAN LAZISMU DI KABUPATEN PAMEKASAN Iqbal Rafiqi; Maftuhatul Faizah
Assyarikah: Journal of Islamic Economic Business Vol 1, No 1 (2020): Assyarikah: Journal Of Islamic Economic Business
Publisher : Al-Amien Prenduan for Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/assyarikah.v1i1.214

In the May-August period of 2018 the amount of LAZISNU Pamekasan Regency was very large, amounting to Rp. 979,154,185.00 while in LAZISMU Pamekasan Regency Rp. 67,624,888.00 plus in 2018 LAZISMU received the 2018 BAZNAS Award as the LAZNAS category with the best fundraising growth. That is what underlies researchers to study more deeply in the form of scientific work in the form of a thesis. This study aims to determine and describe the formulation of fundraising strategies, the implementation of fundraising strategies as well as the supporting and inhibiting factors for the implementation of Zakat Infaq Shadaqah fundraising strategies in LAZISNU and LAZISMU Pamekasan Regency. This study uses a qualitative approach to the type of descriptive research. Sources of data obtained through interviews, observation and documentation. The informants are the governing body, managers, LAZ management and fundraising staff. The findings of this study are Implementation of the fundraising strategy of zakat infaq shadaqah at LAZISNU Pamekasan Regency was carried out in collaboration with other organizations under the auspices of NU, Alfamart throughout Pemekasan, shops, NU coins, donors, rice yields, NU-Cash and through LAZISNU accounts in BRI and BMT Banks NU Mandiri. Whereas in Pamekasan Regency LAZISMU is carried out on direct withdrawal of muzakki funds, donors, coin cans, coin boxes, magazines, brochures as well as maximizing the Sang Surya BMT copling application and SMS notification service and transfer to the LAZISMU BSM account

EFEKTIVITAS IMPLEMENTASI E-BUDGETING DALAM MEWUJUDKAN GOOD GOVERNANCE DENGAN MODEL CIPP (STUDI KASUS PADA KOTA SURABAYA) Iqbal Rafiqi; Nur Hidayah Selviyanti
Assyarikah: Journal of Islamic Economic Business Vol 1, No 2 (2020): Assyarikah: Journal of Islamic Economic Business
Publisher : Al-Amien Prenduan for Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/assyarikah.v1i2.381

The EDGI position in Indonesia is in the range of 0.25 â€“ 0.58 (middle-EDGI), this is certainly a demand for the government to find reliable solutions. Along with the development of the industrial era 4.0. This study aims to describe, analyze, determine the effectiveness of the implementation of e-budgeting, its operational processes and how to evaluate the fulfillment of good governance principles with the CIPP method. This study uses descriptive qualitative methods with the aim of identifying, evaluating, and interpreting previous research that is relevant to the topic. This descriptive qualitative is through the assessment of the CIPP model (Context, Input, Process and Product) in realizing good governance which is carried out by planning, conducting (conducting a review) and reporting (reporting). The literature search in this research was started by selecting articles from academic databases. The results of the study indicate that the implementation of e-budgeting in the Surabaya city government is feasible to continue because it has been proven to run effectively when viewed from the nine principles of good governance with the assessment model of four CIPP components. In the first, context, the implementation of e-Budgeting has succeeded in achieving its initial goals, namely budget transparency and accountability. Furthermore, in terms of input, the use of facilities and infrastructure as well as human resources is adequate. In terms of the process, e-Budgeting simplifies and minimizes errors in the RKA preparation process. Also, in terms of output (product), e-Budgeting improves the quality of fulfilling the nine principles of good governance.

Determinants of Profitability of Islamic Commercial Banks in Indonesia with Third-Party Funds as A Moderating Variable Iqbal Rafiqi; Annisa Annisa
Assyarikah: Journal of Islamic Economic Business Vol 4, No 1 (2023): Assyarikah: Journal Of Islamic Economic Business
Publisher : Al-Amien Prenduan for Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/assyarikah.v4i1.1179

Profitability is one of the ratios needed to assess the health of a bank. The health of a bank is a reflection of the current and future condition of the bank. So many factors that affect the level of profitability of a bank are reviewed from several existing studies. The purpose of this study is to find out whether the independent variables chosen by the researcher affect the profitability of the bank and whether third-party funds can moderate the relationship between the two. Sharia Commercial Banks (BUS) as many as 13 BUS became the population, while the research sample was 5 BUS choosen based on judgement / purposive sampling techniques. The data analysis technique used is moderated regression analysis with the SPSS20 application. Profitability is a dependent variable while the independent variables are capital adequacy ratio (CAR) and financing deposit to ratio (FDR), and third-party funds (DPK) as moderating variables. The results of the study based on the t-test of CAR, FDR and DPK did not have a significant effect on the profitability of Islamic Commercial Banks in Indonesia. And based on the results of the moderation regression analysis test, DPK can moderate the relationship between CAR and FDR variables to the profitability of Islamic Commercial Banks.

COMPETITIVE ADVANTAGE GADAI EMAS SYARIAH PADA MASA TRANSISI COVID-19 DI BANK SYARIAH INDONESIA KCP. SUMENEP TRUNOJOYO 1 Iqbal Rafiqi; Maftuhatul Faizah
Assyarikah: Journal of Islamic Economic Business Vol 3, No 2 (2022): Assyarikah: Journal Of Islamic Economic Business
Publisher : Al-Amien Prenduan for Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/assyarikah.v3i2.831

Pandemi Covid-19 membuat situasi perekonomian berubah.Â Hal itu bisa dilihat dari kondisi masyarakat yang kesulitan dalam memperoleh penghasilan untuk mencukupi kebutuhan sehari-hari. Tidak hanya itu, bahkan di lembaga keuangan syariah khususnya perbankan syariah hal itu tentunya juga menjadi hambatan dalam proses transaksi antar Bank dan nasabah. salah satu produk Bank Syariah ialah produk rahn (gadai emas), yang dalam keadaan normal sebelum adanya Covid-19 merupakan produk yang sangat diminati oleh nasabah. lalu bagaimana strategi promosi dan nilai taksiran pembiayaan gadai emas BSI Sumenep Trunojoyo 1 di era Covid-19?. Penelitian ini bertujuan untuk mengetahui strategi bank syariah dalam meningkatkan jumlah nasabah melalui promosi dan nilai taksiran gadai emas di masa transisi Covid-19 untuk menciptakan competitive advantage. Metode yang digunakan dalam penelitian ini ialah metode kualitatif dengan menggunakan tekhnik wawancara dan studi kepustakaan. Hasil penelitian ini ialah adanya wabah Covid-19 mengakibatkan peminat gadai di Bank Syariah Indonesia KCP Sumenep Trunojoyo 1 semakin meningkat karena menawarkan gadai yang murah, nilai taksiran yang tinggi dan proses pencairan yang cepat. Hal ini ditopang dengan layanan perpanjangan otomatis di masa wabah Covid-19 untuk menciptakan competitive advantage sehingga nasabah mudah serta nyaman dalam bertransaksi.

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