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All Journal El-Iqtishady Jurnal Ekonomi Syariah Pelita Bangsa Dharma Ekonomi Manivest: Jurnal Manajemen, Ekonomi, Kewirausahaan, Dan Investasi
Cici Widya Prasetyandari
Unknown Affiliation
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice

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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.
Manajemen Risiko pada Pembiayaan Murabahah Guna Meningkatkatkan Kinerja Keuangan: Studi Kasus Di Baitul Maal Wat Tanwil (BMT) Maslahah Cabang Kotaanyar Probolinggo Cici Widya Prasetyandari; Rasyidi Rasyidi
Dharma Ekonomi Vol. 32 No. 1 (2025): DHARMA EKONOMI
Publisher : sekolah Tinggi Ilmu Ekonomi Dharmaputra Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59725/de.v32i1.234

Abstract

Risk is an uncertainty that causes losses to the company. So this uncertainty must be managed properly. This study aims to determine the implementation of murabahah financing risk management at BMT Maslahah Kotaanyar Probolinggo. The research method used is qualitative research. Data sources were obtained through interviews, observations and documentation. Based on the results of the analysis, it is known that BMT Maslahah is still experiencing problems with murabahah financing, there are several customers who delay in fulfilling their obligations. Therefore, it is necessary to implement murabahah financing risk management in order to minimize the problems that will occur. BMT Maslahah Kotaanyar Branch has so far been quite effective in implementing murabahah financing risk management. However, BMT Maslahah Kotaanyar Branch must continue to apply the 5C principle in providing credit, in order to avoid the risk of problematic financing in the future.
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.
Pengaruh Laba Terhadap Harga Saham Serta Kebijakan Dividen Sebagai Variabel Intervening Perusahaan Teknologi Yang Terdaftar di Bursa Efek Indonesia Cici Widya Prasetyandari
Manivest : Jurnal Manajemen, Ekonomi, Kewirausahaan, dan Investasi Vol. 2 No. 1 (2024): Juni, Manivest : Jurnal Manajemen, Ekonomi, Kewirausahaan, dan Investasi
Publisher : Universitas Katolik Widya Karya Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37832/manivest.v2i1.85

Abstract

Technology companies are companies that have great potential to develop their business. The reason is that the 4.0 era is an era where technology is developing very rapidly. The aim of this research is to understand the role of dividend policy as an intervention between profits and share prices. The population of this research is all technology companies listed on the IDX in the 2017-2022 period. The sample selection method uses a purposive sampling method. The research method used is path analysis. The research results show that dividend policy does not act as an intervening variable between profits and share prices. Profit and dividend policy have no effect on share prices. Profit also has no effect on the dividend policy of technology companies.
Co-Authors Ahdiyat Agus Susila As’adinnas Hayatul Millah HUSNUL KHOTIMAH Irfan Maulana Ahsan Muhammad Yoga kurniawan Rasyidi Rasyidi Zahida I’tisoma Billah