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Pengaruh Kepemimpinan Islam Terhadap Kinerja Karyawan Melalui Motivasi Kerja Sebagai Variabel Intervening Pada Karyawan BMT Hasanah Ponorogo Mukaromah, Haniatul
Etihad: Journal of Islamic Banking and Finance Vol. 2 No. 2 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v2i2.5072

This study aims to analyze the influence of Islamic leadership on employee performance through work motivation as an intervening variable at BMT Hasanah Ponorogo. This research was conducted at BMT Hasanah Ponorogo, and the respondents were employees at the BMT Hasanah Ponorogo. The data type was used as primary data, and the data collection technique used a technical survey with a questionnaire. Analysis of the data in this study using the Submission of a Structural Model (Inner Model) using the SmartPLS analysis tool. Based on the analysis results that have been carried out, the results show that Islamic leadership does not affect employee performance at BMT Hasanah Ponorogo. Islamic leadership positively and significantly affects employee motivation at BMT Hasanah Ponorogo. Motivation positively and significantly affects employee performance at BMT Hasanah Ponorogo. So it can be concluded that to maximize the performance of BMT Hasanah Ponorogo employees, the company must maintain and improve Islamic leadership and work motivation.Penelitian ini bertujuan untuk menganalisis pengaruh kepemimpinan Islam terhadap kinerja karyawan melalui motivasi kerja sebagai variable intervening pada BMT Hasanah Ponorogo. Penelitian ini dilakukan di BMT Hasanah Ponorogo dan yang menjadi responden penelitian ini adalah karyawan BMT Hasanah Ponorogo. Jenis data yang digunakan adalah data primer dan teknik pengumpulan data menggunakan teknis survey dengan alat bantu kuesioner. Analisis data dalam penelitian ini menggunakan Pengajuan Model Struktural (Inner Model) dengan menggunakan alat analisis SmartPLS. Berdasarkan hasil analisis yang telah dilakukan diperoleh hasil bahwa Kepemimpinan Islam tidak berpengaruh terhadap kinerja karyawan pada BMT Hasanah Ponorogo. Kepemimpinan Islam berpengaruh positif dan signifikan terhadap motivasi karyawan pada BMT Hasanah Ponorogo. Motivasi berpengaruh positif dan signifikan terhadap kinerja karyawan pada BMT Hasanah Ponorogo. Sehingga dapat disimpulkan bahwa untuk lebih memaksimalkan kinerja karyawan BMT Hasanah Ponorogo maka perusahaan harus menjaga dan meningkatkan kepemimpinan Islam dan motivasi kerja.

Analysis of Government Policy in Responding to the Economic Recession Due to Covid-19 in Indonesia Mukaromah, Haniatul
Journal of Economics and Social Sciences (JESS) Vol. 2 No. 1 (2023): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v2i1.187

Introduction/Main Objectives: This study aims to determine fiscal policy in dealing with the economic recession due to Covid-19 in Indonesia. Research Methods: This study uses qualitative methods and a library research approach. Finding/Results: This study's results prove that fiscal policy's role is vast in helping to deal with the economic recession in Indonesia due to Covid-19. The Government succeeded in implementing fiscal policy on state revenues and expenditures to maintain economic growth and economic stability. Fiscal policies implemented by the Government to improve the Indonesian economy during the pandemic, including refocusing and revising the 2020 State Budget as an efficiency measure for state spending, rearranging the allocation of state revenues in the 2020 State Budget, a tax incentive program to relieve taxpayers, revising tax revenue targets, and implementing digital taxes for activities through electronic media. Fraud is still found in these policies, so the Government needs to re-evaluate. Conclusion: This study is expected to become the latest source of information for those who need it in the future.

Determinants of Islamic Commercial Bank Performance in Indonesia Rizal, Fitra; Mukaromah, Haniatul
Indonesian Journal of Islamic Economics and Finance Vol 3 No 2 (2023)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v3i2.6131

As financial intermediary institutions, banks have a strategic role in driving the economy, so bank performance must be appropriately maintained. This study aims to analyze the effect of third-party funds and working capital financing of Islamic commercial banks on the performance of Islamic commercial banks in Indonesia. The research method used is quantitative by conducting multiple linear regression tests. The data type used is secondary data from 2015 to 2022, with a sample of 13 Islamic commercial banks in Indonesia. The data was obtained from BI and OJK reports published on https//www.ojk.go.id. The study results indicate that Third Party Funds do not affect Indonesia's ROA of Islamic commercial banks. Working capital financing significantly affects the ROA of Islamic commercial banks in Indonesia. And if together, third-party funds and working capital financing significantly affect the ROA of Islamic commercial banks in Indonesia. Third-party funds do not affect the ROA of Islamic general banks because the operational costs (BOPO) borne by Islamic general banks are included in the very high category. Therefore, to increase ROA, banks must apply the principle of prudence and valid calculations in carrying out banking operations and financing.

Filantropi Islam Solusi Atas Masalah Kemiskinan Akibat Pandemi Covid-19 Rizal, Fitra; Mukaromah, Haniatul
AL-MANHAJ: Jurnal Hukum dan Pranata Sosial Islam Vol 3 No 1 (2021)
Publisher : Fakultas Syariah INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almanhaj.v3i1.631

Poverty is one of the macroeconomic problems that is a major concern, especially during the current pandemic. This study aims to describe the solutions offered by Islamic philanthropy (ZISWAF) to the problem of poverty caused by the Covid-19 pandemic. This research uses descriptive qualitative research methodology with content analysis techniques (content analysis) and library research. The results showed that ZISWAF is able to be a solution for the community to the problem of poverty that occurs. Efforts to alleviate poverty that can be done are to manage the funds that have been obtained from ZISWAF properly, with productive management. However, there must be some funds provided to the public that are consumptive in nature. If ZISWAF funds are managed properly and are productive, the hope is that these funds will not run out until whenever they are even able to develop so that their use will be bigger and wider. ZISWAF funds which are consumptive in nature will increase the demand and purchasing power of the community, so that the community will be more prosperous. Meanwhile, productive funds are able to increase investment activities and company productivity (business activities) so that it is able to increase the use of full labor (reduce unemployment) and ultimately improve community welfare so that poverty is reduced. This proves that Islamic philanthropy can be a solution to the problem of poverty. Kemiskinan merupakan salah satu masalah makroekonomi yang menjadi perhatian utama, khususnya pada masa pandemi saat ini. Penelitian ini bertujuan untuk memamparkan solusi yang ditawarkan oleh filantropi Islam (ZISWAF) atas masalah kemiskinan yang diakibatkan oleh pandemi Covid-19. Penelitian ini menggunakan metodologi penelitian kualitatif deskriptif dengan teknik content analysis (analisis isi) dan riset kepustakaan (library research). Hasil penelitian menunjukkan bahwa ZISWAF mampu menjadi solusi bagi masyarakat atas masalah kemiskinan yang terjadi. Upaya pengentasan kemiskinan yang dapat dilakukan adalah dengan mengelola dana yang telah diperoleh dari ZISWAF dengan baik, dengan pengelolaan yang produktif. Walaupun demikian harus ada sebagain dana yang diberikan kepada masyarakat yang bersifat konsumtif. Dana ZISWAF jika dikelola dengan baik dan bersifat produktif harapanya adalah dana tersebut tidak akan habis sampai kapanpun bahkan mampu berkembang sehingga pemanfaatanya akan semakin besar dan luas. Dana ZISWAF yang bersifat konsumtif akan meningkatkan permintaan dan daya beli masyarkat, sehingga masyarakat semakin sejahtera. Sedangkan dana yang bersifat produktif mampu meningkatkan kegiatan investasi dan produktifitas perusahaan (kegiatan bisnis) sehingga hal tersebut mampu meningkatkan penggunaan tenaga kerja penuh (mengurangi pengangguran) dan pada akhirnya meningkatkan kesejahteraan masyarakat sehingga kemiskinan semakin berkurang. hal tersebut membuktikan bahwa filantropi Islam mampu menjadi solusi atas masalah kemiskinan.

Bank Indonesia’s Role in Maintaining Financial Stability Amid Economic Recovery: A Qualitative Study (2021–2023) Rizal, Fitra; Mukaromah, Haniatul
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 1 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i1.801

This study aims to analyze the role of Bank Indonesia in maintaining financial stability during the period of 2021 to 2023. This topic is essential considering the importance of financial stability as a foundation for sustainable economic growth amid increasing global uncertainties and domestic challenges, including the lingering impact of the COVID-19 pandemic. A qualitative descriptive method was employed, combining library research and case study approaches. Data were collected from secondary sources, including Bank Indonesia’s annual reports, macroeconomic indicators, and relevant scholarly literature. The results indicate that Bank Indonesia's interventions through monetary policy, macroprudential instruments, and oversight of the payment system significantly contributed to sustaining financial stability despite external shocks. The study concludes that Bank Indonesia’s strategic role was crucial in the economic recovery period. It also highlights the importance of strengthening collaboration between Bank Indonesia and other financial authorities to anticipate future risks. Adaptive and coordinated policies are deemed vital for enhancing national economic resilience.

Pengaruh Kepemimpinan Islam Terhadap Kinerja Karyawan Melalui Motivasi Kerja Sebagai Variabel Intervening Pada Karyawan BMT Hasanah Ponorogo Mukaromah, Haniatul
Etihad: Journal of Islamic Banking and Finance Vol. 2 No. 2 (2022)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v2i2.5072

This study aims to analyze the influence of Islamic leadership on employee performance through work motivation as an intervening variable at BMT Hasanah Ponorogo. This research was conducted at BMT Hasanah Ponorogo, and the respondents were employees at the BMT Hasanah Ponorogo. The data type was used as primary data, and the data collection technique used a technical survey with a questionnaire. Analysis of the data in this study using the Submission of a Structural Model (Inner Model) using the SmartPLS analysis tool. Based on the analysis results that have been carried out, the results show that Islamic leadership does not affect employee performance at BMT Hasanah Ponorogo. Islamic leadership positively and significantly affects employee motivation at BMT Hasanah Ponorogo. Motivation positively and significantly affects employee performance at BMT Hasanah Ponorogo. So it can be concluded that to maximize the performance of BMT Hasanah Ponorogo employees, the company must maintain and improve Islamic leadership and work motivation.Penelitian ini bertujuan untuk menganalisis pengaruh kepemimpinan Islam terhadap kinerja karyawan melalui motivasi kerja sebagai variable intervening pada BMT Hasanah Ponorogo. Penelitian ini dilakukan di BMT Hasanah Ponorogo dan yang menjadi responden penelitian ini adalah karyawan BMT Hasanah Ponorogo. Jenis data yang digunakan adalah data primer dan teknik pengumpulan data menggunakan teknis survey dengan alat bantu kuesioner. Analisis data dalam penelitian ini menggunakan Pengajuan Model Struktural (Inner Model) dengan menggunakan alat analisis SmartPLS. Berdasarkan hasil analisis yang telah dilakukan diperoleh hasil bahwa Kepemimpinan Islam tidak berpengaruh terhadap kinerja karyawan pada BMT Hasanah Ponorogo. Kepemimpinan Islam berpengaruh positif dan signifikan terhadap motivasi karyawan pada BMT Hasanah Ponorogo. Motivasi berpengaruh positif dan signifikan terhadap kinerja karyawan pada BMT Hasanah Ponorogo. Sehingga dapat disimpulkan bahwa untuk lebih memaksimalkan kinerja karyawan BMT Hasanah Ponorogo maka perusahaan harus menjaga dan meningkatkan kepemimpinan Islam dan motivasi kerja.

Determinants of Islamic Commercial Bank Performance in Indonesia Rizal, Fitra; Mukaromah, Haniatul
Indonesian Journal of Islamic Economics and Finance Vol. 3 No. 2 (2023)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v3i2.6131

As financial intermediary institutions, banks have a strategic role in driving the economy, so bank performance must be appropriately maintained. This study aims to analyze the effect of third-party funds and working capital financing of Islamic commercial banks on the performance of Islamic commercial banks in Indonesia. The research method used is quantitative by conducting multiple linear regression tests. The data type used is secondary data from 2015 to 2022, with a sample of 13 Islamic commercial banks in Indonesia. The data was obtained from BI and OJK reports published on https//www.ojk.go.id. The study results indicate that Third Party Funds do not affect Indonesia's ROA of Islamic commercial banks. Working capital financing significantly affects the ROA of Islamic commercial banks in Indonesia. And if together, third-party funds and working capital financing significantly affect the ROA of Islamic commercial banks in Indonesia. Third-party funds do not affect the ROA of Islamic general banks because the operational costs (BOPO) borne by Islamic general banks are included in the very high category. Therefore, to increase ROA, banks must apply the principle of prudence and valid calculations in carrying out banking operations and financing.

Pemanfaatan Bahan Pangan Lokal untuk Meningkatkan Pemberdayaan SDM melalui Pelatihan Pembuatan Bolu Lapis Kukus Nangka di Desa Ngrogung Kecamatan Ngebel Kabupaten Ponorogo Sholichah, Puput Imroatu; Mukaromah, Haniatul
Social Science Academic SPECIAL ISSUE: Membangun Desa Melalui Pemberdayaan SDM
Publisher : Institut Agama Islam Sunan Giri Ponorogo

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

The community of Ngrogung Village, Ngebel District, has a local potential in the form of abundant jackfruit. However, its utilization is still limited to household consumption or being sold in fresh form with low economic value. This condition indicates the need for human resource (HR) empowerment through improving skills in processing local food ingredients to create added value. This community service activity aims to enhance the capacity of the community, particularly women and youth, through training in making steamed layered jackfruit cake (bolu lapis kukus nangka) as an innovative processed product. The method used was Asset Based Community Development (ABCD), which emphasizes the utilization of assets and local potential through four stages: discovery (identification of potential), dream (formulation of aspirations), design (program planning), and destiny/delivery (implementation and sustainability). The results of the activity show an increase in participants’ skills in processing jackfruit into economically valuable products, greater community awareness of the importance of utilizing local potential, and the emergence of small household-based business initiatives. The impact of this activity not only supports human resource empowerment but also opens business opportunities, strengthens family economies, and encourages community independence based on local potential.

The Contribution of Islamic Commercial Banks to Indonesia’s GDP: Evidence from Third-Party Funds and Working Capital Financing Rizal, Fitra; Mukaromah, Haniatul
El-Barka Journal of Islamic Economics and Business Vol. 7 No. 1 (2024)
Publisher : El-Barka

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

The growth of Islamic banking in Indonesia has continued to increase. Yet, its market share remains relatively small compared to conventional banks, resulting in a suboptimal contribution to the national economy. This study aims to analyze the contribution of Islamic Commercial Banks to Gross Domestic Product (GDP) through Third-Party Funds (DPK) and Working Capital Financing (PMK), with Return on Assets (ROA) as an intervening variable. The study employs a quantitative approach using quarterly secondary data for the 2015–2022 period obtained from the Financial Services Authority (OJK) and Statistics Indonesia (BPS). Data analysis was conducted using multiple linear regression and the Sobel test to examine direct and indirect effects. The findings reveal that DPK has no significant effect on ROA, while PMK significantly impacts ROA. Furthermore, DPK and PMK significantly influence GDP, whereas ROA has no significant impact on GDP and does not serve as an intervening variable. These results highlight that the contribution of Islamic Commercial Banks to economic growth is primarily driven by their financing intermediation function rather than bank profitability.

Filantropi Islam Solusi Atas Masalah Kemiskinan Akibat Pandemi Covid-19 Rizal, Fitra; Mukaromah, Haniatul
AL-MANHAJ: Jurnal Hukum dan Pranata Sosial Islam Vol. 3 No. 1 (2021)
Publisher : Fakultas Syariah INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almanhaj.v3i1.631

Poverty is one of the macroeconomic problems that is a major concern, especially during the current pandemic. This study aims to describe the solutions offered by Islamic philanthropy (ZISWAF) to the problem of poverty caused by the Covid-19 pandemic. This research uses descriptive qualitative research methodology with content analysis techniques (content analysis) and library research. The results showed that ZISWAF is able to be a solution for the community to the problem of poverty that occurs. Efforts to alleviate poverty that can be done are to manage the funds that have been obtained from ZISWAF properly, with productive management. However, there must be some funds provided to the public that are consumptive in nature. If ZISWAF funds are managed properly and are productive, the hope is that these funds will not run out until whenever they are even able to develop so that their use will be bigger and wider. ZISWAF funds which are consumptive in nature will increase the demand and purchasing power of the community, so that the community will be more prosperous. Meanwhile, productive funds are able to increase investment activities and company productivity (business activities) so that it is able to increase the use of full labor (reduce unemployment) and ultimately improve community welfare so that poverty is reduced. This proves that Islamic philanthropy can be a solution to the problem of poverty. Kemiskinan merupakan salah satu masalah makroekonomi yang menjadi perhatian utama, khususnya pada masa pandemi saat ini. Penelitian ini bertujuan untuk memamparkan solusi yang ditawarkan oleh filantropi Islam (ZISWAF) atas masalah kemiskinan yang diakibatkan oleh pandemi Covid-19. Penelitian ini menggunakan metodologi penelitian kualitatif deskriptif dengan teknik content analysis (analisis isi) dan riset kepustakaan (library research). Hasil penelitian menunjukkan bahwa ZISWAF mampu menjadi solusi bagi masyarakat atas masalah kemiskinan yang terjadi. Upaya pengentasan kemiskinan yang dapat dilakukan adalah dengan mengelola dana yang telah diperoleh dari ZISWAF dengan baik, dengan pengelolaan yang produktif. Walaupun demikian harus ada sebagain dana yang diberikan kepada masyarakat yang bersifat konsumtif. Dana ZISWAF jika dikelola dengan baik dan bersifat produktif harapanya adalah dana tersebut tidak akan habis sampai kapanpun bahkan mampu berkembang sehingga pemanfaatanya akan semakin besar dan luas. Dana ZISWAF yang bersifat konsumtif akan meningkatkan permintaan dan daya beli masyarkat, sehingga masyarakat semakin sejahtera. Sedangkan dana yang bersifat produktif mampu meningkatkan kegiatan investasi dan produktifitas perusahaan (kegiatan bisnis) sehingga hal tersebut mampu meningkatkan penggunaan tenaga kerja penuh (mengurangi pengangguran) dan pada akhirnya meningkatkan kesejahteraan masyarakat sehingga kemiskinan semakin berkurang. hal tersebut membuktikan bahwa filantropi Islam mampu menjadi solusi atas masalah kemiskinan.

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