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All Journal JURNAL DINAMIKA EKONOMI PEMBANGUNAN Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal al-Ulum : Jurnal Pemikiran dan penelitian ke-Islaman Reflektika INTERACTION: Jurnal Pendidikan Bahasa JES (Jurnal Ekonomi Syariah Jurnal Ilmu Perbankan dan Keuangan Syariah Assyarikah : Journal of Islamic Economic Business JoEMS : Journal of Education and Management Studies Jurnal Ekonomika dan Bisnis Islam Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen JAKBS Gudang Jurnal Multidisiplin Ilmu Jurnal Sosial Dan Pengabdian Kepada Masyarakat Assyarikah: Journal Of Islamic Economic Business REFORM : JURNAL PENDIDIKAN, SOSIAL DAN BUDAYA Jurnal Perbankan Syariah Journal of Islamic economics Perspectives (JIEP) ABDINA: Jurnal Sosial Dan Pengabdian Kepada Masyarakat Jurnal Ekonomi, Bisnis dan Manajemen Values: Jurnal Kajian Islam Multidisiplin INTERACTION: Jurnal Pendidikan Bahasa Jurnal Kajian Budaya & Media Reflektika
Rafiqi, Iqbal
IDIA Prenduan
Religion Aerospace Engineering Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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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 : Universitas Al-Amien Prenduan

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

Abstract

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.
Analisis Manajemen Risiko Pada Tabungan Berhadiah Emas Di BPRS Sarana Prima Mandiri Pamekasan Iqbal Rafiqi; Abd Wahid
Jurnal Akuntansi Keuangan dan Bisnis Vol. 2 No. 2 (2024): Juli - September
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Saving Account with gold prizes at BPRS Sarana Prima Mandiri Pamekasan is very attractive to customers because the prizes are in the form of gold. It’s become an advantage for the bank considering the large number of customers who take part in the program. but besides that, the large amount of funds collected from these savings can also be a risk to the bank if the bank cannot manage it well. so that, a good risk management is needed so that banks can avoid risks that can harm the bank. This research uses qualitative research method with approach of case study. The results of this research study is the application of risk management in the management of prize savings at BPRS SPM Pamekasan is carried out by: 1) Risk identification by conducting 5C analysis and also BI Checking for customers who wish to do financing, 2) Measuring risk by providing value to customers before making a decision, 3) Risk monitoring by conducting periodic evaluations, 4) Risk control is usually carried out for customers with problems, namely by billing, giving warning letters and ending guarantee auctions.
The Determinan Profitabilitas Bank Umum Syariah Di Indonesia Dengan Dana Pihak Ketiga Sebagai Variabel Moderating Nisa, Annisa; Iqbal Rafiqi
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 5 No. 1 (2023)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v5i1.183.1-16

Abstract

Profitabilitas merupakan salah satu rasio yang diperlukan untuk menilai kesehatan suatu bank. Kesehatan suatu bank merupakan cerminan dari kondisi bank saat ini dan yang akan datang. Begitu banyak faktor yang mempengaruhi tingkat profitabilitas suatu bank ditinjau dari beberapa penelitian yang ada. Tujuan dari penelitian ini adalah untuk mengetahui apakah variabel independen yang dipilih peneliti berpengaruh terhadap profitabilitas bank dan apakah dana pihak ketiga dapat memoderasi hubungan keduanya. Bank Umum Syariah (BUS) sebanyak 13 BUS menjadi populasi, sedangkan sampel penelitian adalah 5 BUS yang dipilih berdasarkan teknik judgment/purposive sampling. Teknik analisis data yang digunakan adalah analisis regresi moderat dengan aplikasi SPSS20. Profitabilitas merupakan variabel dependen sedangkan variabel independennya adalah rasio kecukupan modal (CAR) dan deposit to financing ratio (FDR), serta dana pihak ketiga (DPK) sebagai variabel moderasi. Hasil penelitian berdasarkan uji t CAR, FDR dan DPK tidak berpengaruh signifikan terhadap profitabilitas Bank Umum Syariah di Indonesia. Hal ini menunjukkan bahwa besar kecilnya presentase CAR, FDR dan DPK tidak mempengaruhi profitabilitas bank. Dan berdasarkan hasil uji analisis regresi moderasi, DPK dapat memoderasi hubungan antara variabel CAR dan FDR terhadap profitabilitas Bank Umum Syariah.
Analisis Kesehatan Bank pada Unit Usaha Syariah (UUS) di Masa Pandemi Covid-19 dengan Menggunakan Metode RGEC Iqbal Rafiqi; Siti Halimah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 2 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i2.22271

Abstract

Abstrak This study aims to determine the soundness of sharia business units (UUS) registered with the Islamic Financial Services Authority for 2019-2021 using the RGEC method (Risk Profile, Good Corporate Governance, Earnings, and Capital). This research method used in research is descriptive quantitative method. The results of this study using the RGEC method resulted in an Assessment of Bank Soundness in Indonesian Sharia Business Units (UUS) for 2019-2021 in terms of the Risk Profile factor with an average NPL yielding a value of 3.00% indicating that the bank is in good health, while the average LDR value produces 96,03% which indicates that the bank is in a fairly Enought healthy condition, Good Corporate Governance from the self-assessment results, namely obtaining an average of 2, which indicates the bank is in good health, Earning an average ROA produces a value of 1.17% indicating that the bank is in Enought healthy condition, with an average ROE value of 8,58% indicating that the bank is in an unhealthy state, and with an average BOPO yielding a value of 65,57% indicating that the bank is in very good health and Capital with an average CAR yields a value of 23,96% which indicates that the bank is in very good health.
Investigasi Peran Pendapatan Pembiyaan Murabahah dan Mudharabah terhadap Profitabilitas (roa) (Studi Kasus PT. Bank Muamalat Indonesia) Rafiqi, Iqbal; Munawarotul Chamilia
REFORM : Jurnal Pendidikan, Sosial, dan Budaya Vol. 6 No. 02 (2023): REFORM : Jurnal Pendidikan, Sosial, & Budaya
Publisher : YAYASAN HAMJAH DIHA bekerjasama dengan PENA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70004/reform.v6i02.112

Abstract

Pada zaman modern segala kebutuhan manusia semakin beragam, Jika dilihat dari ekonomi penduduk Indonesia, mayoritas tidak dapat memenuhi kebutuhan dengan mudah. Hanya saja penduduk yang memilki penghasilan tetap yang dapat memenuhi gaya hidup sesuai dengan zaman modern ini. Dalam hal ini perbankan syariah dapat berperan dalam memenuhi kebutuhan masyarakat yang beragam dengan menawarkan pembiayaan murabahah yang merupakan akad jual beli antara Bank Syariah dengan nasabah. Bank juga menawarkan pembiayaan mudharabahyang keuntungannya menggunakan sistem bagi hasil sesuai dengan aturan yang berlaku dan kesepakatan kedua belah pihak. Tujuan dari penelitian ini adalah pertama :untuk mengetahui Adakah pengaruh pendapatan pembiayaan murabahah dan mudharabah terhadap profitabilitas (ROA) perbankan syariah di BMI; kedua : Berapa besar pengaruh pendapatan pembiayaan murabahah dan mudharabah terhadap profitabilitas (ROA) perbankan syariah di BMI.Penelitian ini menggunakan pendekatan kuantitatif.Jenis data yang digunakan adalah data skunder yang diperoleh malalui laporan keuangan, dengan teknik pengambilan sampel yang digunakan yaitu sampel Non probability sampling dengan sampel sebanyak 32data. Metode analisis data menggunakan metode regresi linier berganda, uji asumsi klasik, uji-f dan uji –t.
INVESTIGASI PERAN EKUITAS, DAN DANA PIHAK KETIGA TERHADAP PERTUMBUHAN PROFIT BANK MUAMALAT INDONESIA TAHUN 2016-2020 Iqbal Rafiqi; Annisa Annisa; Alfian Rihtuzahrah
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 2, No 2 (2021): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v2i2.521

Abstract

Bank Muamalat Indonesia is an Islamic financial institution that continues to increase profits from every financial transaction that occurs between its customers with efforts and efforts to maintain stability in obtaining profits with several instruments, including the two bank financial instruments in this study. The purpose of this study is to find out how the influence of equity and third-party funds on the growth of bank profits in 2016-2020. This research uses quantitative approaches with descriptive methods. The data used is sukender data obtained from bank Muamalat Indonseia's quarterly financial report in 2016-2020. The results of this study concluded that partially (test t) showed that Equity(X1)) had a positive or significant effect on profit growth at Bank Muamalat Indonesia. And showed that DPK(X2) has no significant effect on profit growth at Bank Muamalat Indonesia. Based on the results of the calculation of regression tests together (test F) shows that equity X 1 and DPK X2 simultaneously affect profits on bank muamalat in 2016-2020 (Y). based on the results of the determination coefficient test (R2),the magnitude of the influence of equity and third party funds onbank Muamalat Indonesia's profit growth by 39.3%, while the remaining 60.7% was influenced by other factors outside the study.
INVESTIGASI PERAN FEE BASED INCOME TERHADAP PROFITABILITAS (ROA) DI BANK SYARIAH INDONESIA (Studi Kasus Pada PT. Bank Syariah Mandiri Periode 2005-2014) Iqbal Rafiqi; Fatati Nuryana; Maftuhatul Faizah; Achmad Jufri
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 1, No 2 (2020): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v1i2.474

Abstract

The existence of fee-based income solutions and services shows Islamic banks' attempts to improve, one of which is PT. Bank Syariah Mandiri, which can generate a fee-based income of Rp. 783,649,000,000. (September 2014,) This is intrinsically tied to Islamic banks' approach to satisfy the company's goal of improving profits, and BI is more concerned with evaluating a company's profitability based on the amount of return on assets (ROA) than than return on equity (ROE) bank. At PT. Mandiri Syariah Bank, the goal of the study was to evaluate the increase of fee based income (FBI) and see if there was an influence of fee based income on the rate of return on assets. The statistical method of simple linear regression analysis is used in this research for quantitative analysis. The research data that has been collected was secondary data. The sample was collected from PT. Bank Syariah Mandiri's quarterly financial statements from 2005 to 2015, which can be accessed at www.bi.go.id. The results showed that hypothesis testing with t test and F test resulted in an independent variable, namely fee based income (FBI), having a significant effect on the level of return on assets (ROA). The t test test (Table Coefficients) obtained a t value of 4.444, - while statistical table (t table) obtained a t value of 2.032, - meaning ttable tcount (2. with t and F each having a significance value of 0.000, which is less than 0.05. Based on the results of the regression analysis, the regression equation obtained is Y = 0.714 + 0.0000008606 X, this equation states that in the absence of fee based income (FBI) the rate of return on assets (ROA) is 0.714, - and every increase of 1,000,000 rupiah fee based income (FBI) will cause an increase of 0.8606, - in the rate of return on assets (ROA). The coefficient of determination (R2) is 0.349, - (Ajusted R Square) this means that 35% of the variation in return on assets (ROA) is explained by variations in fee based income (FBI) while the remaining 65% is explained by variations in other factors such as income from Islamic bank financing.
PROBLEMATIKA PERILAKU PEDAGANG PASAR TRADISIONAL: STUDI PERSPEKTIF ETIKA BISNIS ISLAM Sakur Sakur; Ah. Ali Arifin; Iqbal Rafiqi
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 2, No 2 (2021): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v2i2.518

Abstract

The traditional market is a market that is identical to a market that has experienced a steady decline, resulting in a market that has an impact on unfair competition, lack of legal protection, congestion, the market looks dirty and, and is prone to accidents that occur. Therefore, Islamic business ethics plays a very important role in regulating the behavior of traders. The formulation of the problem in this research is first, the behavior of traditional market participants in the problem in the market on 17 August Pamekasan?. Second, how are the government's efforts in responding to the behavior of traditional market players in guarding the market on 17 August Pamekasan?. Third, what is the perspective of Islamic business ethics on the behavior of traditional market traders in guarding the market on 17 August Pamekasan? This study uses an approach with a descriptive type of research. Sources of data obtained through interviews, observation, and documentation. Checking the validity of the data using persistence, reference materials and additional observations. The results of the study show that, First: The behavior of traditional market participants in the August 17 market in maintaining still lacks care, often violates and is stubborn, Second: The government's efforts in responding to the behavior of market traders on August 17 have been good but in practice it is still lacking, third: According to an ethical perspective Islam on the behavior of traditional market participants in guarding the market on August 17, Pamekasan in terms of the principle of monotheism, the principle of balance (justice/equilibrium), the principle of free will (ikhtiar/free will), the principle of responsibility (responsibility) and the principle of responsibility (Ihsan) are still not yet fully implemented by traders.
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

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v2i1.496

Abstract

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.
Reduction of Excellent Service Strategy in Increasing Customer Loyalty at BPRS Bhakti Sumekar Madya Pamekasan Branch Office Iqbal Rafiqi; Farhan Hamim
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 4, No 2 (2023): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v4i2.673

Abstract

Excellent service in the banking world is the key to increasing customer trust, satisfaction, and loyalty. Meanwhile, some employees of PT. BPRS Bhakti Sumekar Madya Pamekasan Branch Office are not yet optimal in implementing Service Excellent in serving its customers, such as not paying enough attention and not being too active when interacting in providing services. In this case, it is contrary to the basic concept of Service Excellent, which includes A6, attitude, attention, action, ability, appearance, and accountability. The aim of this research is to find out more deeply about the implementation of excellent service at the PT. BPRS Bhakti Sumekar Pamekasan intermediate branch office. The methods used are interview, observation, and documentation methods. From this method, researchers then process and analyze it to obtain data or information. The subjects of this research were taken from employees at the PT. BPRS Bhakti Sumekar Madya Pamekasan Branch Office. For the validity of the data, researchers used triangulation between informants. The results of this research are the implementation of excellent service in serving customers, which is applied in all lines to achieve customer satisfaction, such as excellent service provided in the frontliner section, withdrawing money using BBS Mobile, fast and precise service, implementing 3S (smile, greet, salute), excellent service in the form of security, and improving the quality of excellent service personally. Excellent service itself plays an important role in maintaining customer loyalty to the PT. BPRS Bhakti Sumekar Madya Pamekasan Branch. This is proven by the large number of customers it has, including 1446 active customers and 10 thousand 259 third-party fund customers.
Co-Authors Abd Wahid Abd. Ghofur Achmad Jufri Achmad Jufri Afifah Nadhirah Alfan Zuhairi Alfian Rihtuzahrah Ali Arifin Aliyatul Hasanah Annisa Annisa Annisa Annisa Dzulfikri Dzulfikri Dzulfikri, Dzulfikri Faizah, Maftuhatul Farhan Hamim Fatati Nuryana Fatimatuz Zahroh Fauli Majdi, Zulha Ghafur, Abd Hidayat, Moh. Helmi Holilur Rahman Ilahi, Wardatun Thoyyibah Nikmah Imam Buchari, Imam Jazuli, M Naufal Jufri, Achmad Kholifatul Hasanah Miftahul Ulum Moh. Helmi Hidayat Muhammad Ghafur Wibowo Mujibno, Mujibno Munawarotul Chamilia Munawarotul Chamilia Mustofa, Mutmainnah Nabilatul Fitriyah Nadhirah, Afifah Nisa, Annisa Nor Lailina Ulfa Nur Hasanah Nur Hasanah Nur Hidayah Selviyanti Nurhasanah Nurhasanah Nurhasanah Nurhasanah Nurhasanah Nurhasanah Sakur Sakur Sandi Mulyadi Siti Halimah Sri Kania Dewi Yana Supriyadi TATI NURHAYATI Turmidi, Turmidi Zainal Abidin Zulha Fauli Majdi