Article Per Year (5 Year)
p-Index From 2021 - 2026
1.006
P-Index
This Author published in this journals
All Journal El-Iqtishady Jurnal Ekonomi Syariah Pelita Bangsa Moneta: Jurnal Manajemen & Keuangan Syariah Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis
Cici Widya Prasetyandari
Unknown Affiliation
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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

Found 6 Documents
Search

 1 
TINJAUAN EKONOMI SYARIAH TERKAIT SISTEM HUTANG PIUTANG DAN PEMBAGIAN HASIL TANGKAP IKAN ANTARA ANAK BUAH KAPAL (ABK) DAN PEMILIK KAPAL DI DESA KALIBUNTU KABUPATEN PROBOLINGGO Husnul Khotimah; Zahida I’tisoma Billah; Cici Widya Prasetyandari
El-Iqthisadi Vol 7 No 1 (2025): Juni
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/el-iqthisady.vi.56131

Abstract

Abstrak Penelitian ini membahas sistem hutang piutang dan pembagian hasil tangkapan ikan antara Anak Buah Kapal (ABK) dan pemilik kapal di Desa Kalibuntu dalam perspektif ekonomi syariah. Hasil penelitian menunjukkan bahwa sistem hutang piutang yang diterapkan dapat membantu ABK secara finansial, namun menimbulkan keterikatan kerja yang berisiko membatasi kebebasan mereka. Pembagian hasil tangkapan ikan juga cenderung lebih menguntungkan pemilik kapal dibandingkan ABK, yang turut menanggung biaya operasional. Dalam perspektif ekonomi syariah, praktik ini masih memerlukan perbaikan agar lebih adil dan transparan. Sebagai rekomendasi, disarankan penerapan sistem pinjaman yang lebih fleksibel serta pembiayaan berbasis syariah seperti qardhul hasan atau koperasi syariah untuk mengurangi ketergantungan ABK pada pemilik kapal. Selain itu, transparansi dalam pembagian hasil perlu ditingkatkan untuk memastikan keadilan bagi semua pihak. Kata Kunci: Ekonomi Syariah, hutang piutang, Pembagian Hasil, Anak Buah Kapal, Pemilik Kapal. Abstract This study examines the debt system and the distribution of fish catches between Crew Members (ABK) and ship owners in Kalibuntu Village from an Islamic economic perspective. The findings indicate that the implemented debt system provides financial assistance to ABK but also creates a work dependency that risks limiting their freedom. The distribution of fish catches tends to favor ship owners more than ABK, who also bear operational costs. From an Islamic economic perspective, this practice still requires improvements to ensure greater fairness and transparency. As a recommendation, it is suggested to implement a more flexible loan system and adopt Islamic financing methods such as qardhul hasan or Sharia cooperatives to reduce ABK’s dependence on ship owners. Additionally, transparency in profit-sharing should be enhanced to ensure fairness for all parties. Keywords: Islamic Economics, Debt and Credit, Profit Sharing, Crew Members, Ship Owners.
Evaluasi Kelayakan Finansial Usaha Peternakan Ayam Broiler di CV Cendana Farm Indonesia Irfan Maulana Ahsan; Hayatul Millah; Cici Widya Prasetyandari
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 10 No. 01 (2025): JESPB Edisi April 2025
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v10i01.2404

Abstract

This study aims to evaluate the broiler poultry business at CV Cendana Farm Indonesia, Dandang unit, which has a chicken population of 24,000. The study will discuss the comparison between revenue, production costs, and profits from the broiler poultry business, as well as assess its financial feasibility through calculations of NPV, IRR, PI, PP. The research method used is a descriptive quantitative approach, with primary data obtained through interviews with staff and directors, while secondary data is taken from financial reports over 12 harvest periods. The financial feasibility evaluation is conducted using calculations of NPV, IRR, PI and PP. The results show that the business is not feasible in the short term (NPV -445,634,638, IRR -8%), but feasible if operated for 5 years (NPV 992,170,708, IRR 46.8%). A PI greater than 1 (1.32) and a PP of 1 year 8 months indicate long-term profitability.
Determinan Pertumbuhan Deposito Mudharabah Pada Bank Umum Syariah Di Indonesia As’adinnas; Ahdiyat Agus Susila; Cici Widya Prasetyandari
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 10 No. 01 (2025): JESPB Edisi April 2025
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v10i01.2425

Abstract

This study aims to analyze the impact of profitability, capital adequacy, operational efficiency, and problematic financing on the growth of mudharabah deposits in Islamic banks in Indonesia for the period 2019-2023. The method used in this study is a quantitative method with secondary data obtained from the annual financial reports of Islamic banks. The data analysis technique uses multiple linear regression. The findings suggest that only the variable (ROE) has a significant impact on mudharabah deposits, while the CAR, BOPO and NPF variables do not have a significant impact. The coefficient of determination (adjusted R2) suggest that the four independent variables simultaneously explain 32.6% of the variation in mudharabah deposit growth. This finding shows the importance of profitability in attracting customer interest in mudharabah deposit products, while other factors require further study. The study provides implications for Islamic bank management to focus more on improving profit performance in order to increase fund collection from mudharabah deposit products.
Peran Kelompok Tani Dalam Meningkatkan Pemberdayaan Petani Kopi Kabupaten Probolinggo Muhammad Yoga kurniawan; Hayatul Millah; Cici Widya Prasetyandari
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 10 No. 01 (2025): JESPB Edisi April 2025
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v10i01.2483

Abstract

This study aims to analyze the role of farmer groups in enhancing the empowerment of coffee farmers in Kalianan Village, Krucil Subdistrict, Probolinggo Regency. Empowerment is examined through three stages: Enabling (creating a conducive climate), Empowering (strengthening capacity), and Protecting (protecting farmers). The study uses a descriptive qualitative approach with data collected through observation, in-depth interviews, and documentation. The results indicate that farmer groups significantly contribute to providing technical education, coffee processing training, and protection against market injustice and crop pests. Supporting factors include active farmer participation and village government support, while inhibiting factors involve farmers' lack of awareness and limited ongoing education. Overall, farmer groups play a positive role in increasing the independence and competitiveness of coffee farmers sustainably.
Manajemen Keuangan Mahasiswa di Era Digital: Dampak Penggunaan E-Wallet terhadap Pola Konsumsi Cici Widya Prasetyandari
Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis Vol. 4 No. 3 (2025): September : Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupsim.v4i3.6395

Abstract

The digital era is developing rapidly. Technology has made it easier for people to conduct various financial transactions, such as through financial planning applications, mobile banking, e-wallets, and so on. These applications are in demand by various segments of society. Digital wallets, or e-wallets, are a form of technology that facilitates financial transactions. The purpose of this study is to determine the impact of e-wallet use on the consumption behavior of students in the Sharia Financial Management Study Program at Zainul Hasan Islamic University, Genggong, Probolinggo. It is hoped that students will be able to manage their finances effectively in this digital era. This research method is qualitative, with data collection methods including interviews, observation, and documentation. The results show that students use e-wallets for their daily needs. E-wallets can meet students' rational consumption patterns. Students are able to manage their finances well, enabling them to make wise financial decisions.
PENGARUH PEMBIAYAAN MURABAHAH DAN PEMBIAYAAN MUDHARABAH TERHADAP RETURN ON ASSET (ROA) PADA PT BANK SYARIAH INDONESIA TBK PERIODE 2020-2025 Rofiatul Adawiyah; Zahida I'tisoma Billah; Cici Widya Prasetyandari
Moneta: Jurnal Manajemen & Keuangan Syariah Vol. 4 No. 2 (2026): MONETA : Jurnal Manajemen dan Keuangan Syariah
Publisher : Program Studi Manajemen Keuangan Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/moneta.v4i2.16733

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pembiayaan Murabahah dan Mudharabah terhadap Return on Asset (ROA) pada PT Bank Syariah Indonesia Tbk selama periode 2020-2025. Pendekatan kuantitatif diterapkan dengan menggunakan data sekunder yang diperoleh dari laporan keuangan triwulanan yang dapat diakses melalui situs resmi Bank Syariah Indonesia (BSI). Alat analisis yang digunakan adalah regresi linier berganda dengan bantuan SPSS versi 26. Hasil penelitian menunjukkan bahwa secara parsial pembiayaan Murabahah berpengaruh terhadap Return on Asset (ROA), dibuktikan dengan nilai signifikansi 0,001 (<0,05), sedangkan pembiayaan Mudharabah tidak berpengaruh terhadap Return on Asset (ROA), dengan nilai signifikansi 0,233 (>0,05). Namun secara kolektif kedua variabel pembiayaan tersebut berpengaruh secara signifikan terhadap Return on Asset (ROA) dengan nilai signifikansi 0,001 (<0,05). Oleh karena itu, Bank Syariah Indonesia (BSI) hendaknya terus mengoptimalkan penyaluran pembiayaan Murabahah untuk mendukung peningkatan Return on Asset (ROA). Sementara itu, untuk pembiayaan Mudharabah perlu diperkuat pengawasannya, dievaluasi kinerja pelanggan, dan penerapan risiko manajemen yang lebih efektif agar kontribusinya terhadap Return on Asset (ROA) menjadi lebih optimal.
Co-Authors Ahdiyat Agus Susila As’adinnas Hayatul Millah HUSNUL KHOTIMAH Irfan Maulana Ahsan Muhammad Yoga kurniawan Rofiatul Adawiyah Zahida I'tisoma Billah Zahida I’tisoma Billah