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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Tabarru': Islamic Banking and Finance Iqtishoduna: Jurnal Ekonomi Islam Jurnal Pengabdian kepada Masyarakat Nusantara International Journal of Community Service (IJCS) Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen JURNAL EKONOMI BISNIS DAN MANAJEMEN Jurnal Ekonomi Bisnis dan Manajemen Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Ilmiah Manajemen Ekonomi Dan Akuntansi (JIMEA) Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi Moneter : Jurnal Ekonomi dan Keuangan JURNAL MULTIDISIPLIN ILMU AKADEMIK JURNAL RUMPUN MANAJEMEN DAN EKONOMI JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Media Riset Bisnis Ekonomi Sains dan Terapan

Renny Oktafia

Unknown Affiliation

Author-ID : 1954705

Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Dentistry Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Medicine & Pharmacology Neuroscience Nursing Physics Public Health Social Sciences Transportation Veterinary Other

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MANAJEMEN PENGELOLAAN WAKAF TANAH MASJID JAMI’ DARUSSALAM DESA JATIPAYAK KECAMATAN MODO KABUPATEN LAMONGAN UNTUK MENINGKATKAN PEREKONOMIAN MASYARAKAT Devi agustina; Renny Oktafia
Jurnal Tabarru': Islamic Banking and Finance Vol. 4 No. 2 (2021): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2021.vol4(2).7364

Masjid Jami’ Darussalam memberikan peluang kepada masyarakat untuk memanfaatkan tanah wakaf yang dimiliki masjid yang berupa tanah sawah yang disewakan kepada masyarakat untuk menambah perekonominan. Penelitian ini bertujuan untuk mengetahui bagaimana manajemen pengelolaan wakaf tanah masjid dan dampak dari pengelolaan wakaf tanah masjid di Desa Jatipayak dengan menggunakan indikator maqashid syariah pada konsep peningkatan perekonomian masyarakat. Hasil penelitian ini menunjukkan bahwa manajemen pengelolaan wakaf tanah tersebut belum maksimal karena pada manajemen pengembangan tanah wakaf yang berupa sawah digunakan untuk sewa saja dibidang pertanian dan manajemen pemanfaatan masih konsumtif yang digunakan untuk kepentingan masjid dan masyarakat sekitar serta pada manjemen pelaporan yang masih belum dilaksanakan sesuai aturan akan tetapi dari segi peningkatan perekonomian masyarakat penyewaan tanah wakaf yang dilakukan oleh masjid tersebut dapat meningkatkan perekonomian masyarakat dari indikator agama, jiwa, akal, keturunan dan harta.

Implementasi Pembiayaan Akad Murabahah dalam Upaya Peningkatan UMKM di KSPPS Permata Barokah Jaya Kelurahan Pandaan Siti Ayu Rochmaniah; Renny Oktafia
Jurnal Ilmiah Ekonomi Islam Vol 7, No 2 (2021): JIEI : Vol. 7, No. 2, 2021
Publisher : ITB AAS INDONESIA Surakarta

Micro, Small and Medium Enterprises (MSMEs) are a group of people who work as business actors, who have a desire to increase personal income and also the wider community. However, this certainly requires special support from the Islamic Microfinance Institution itself, one of which is the Sharia Cooperative. This study aims to determine how the implementation of Murabahah Akad financing and efforts to increase Micro, Small and Medium Enterprises (MSMEs) at KSPPS Permata Barokah Jaya, Pandaan Village. Researchers chose to use qualitative research methods with a case study approach. The results of this study indicate that the implementation of the Murabahah Agreement which is in demand by many financing members at KSPPS Permata Barokah Jaya is in accordance with the principles of Sharia. However, efforts to increase Micro, Small and Medium Enterprises (UMKM) at KSPPS Permata Barokah Jaya are still not able to provide maximum financing for business actors, because the Murabahah Akad financing at KSPPS Permata Barokah Jaya is dominated by members who work as factory employees. This factory employee, is considered to be able to make it easier for the KSPPS Permata Barokah Jaya in surveying prospective members, as well as the inclusion of guarantees in the form of a member Salary ATM.

Penguatan Kapasitas Pelaku Bisnis Mikro Melalui Penataan Pengelolaan Keuangan Usaha: Pandangan Islam Renny Oktafia; Abdul Rahman Hidayat
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 2 (2018)
Publisher : Universitas Muhammadiyah Surabaya

Abstrak Kelompok usaha mikro merupakan kelompok yang dapat mendorong sektor riil, untuk mengurangi pengangguran dan kemiskinan di negara kita. Untuk itu, perlu peran dari seluruh pihak dalam mendorong pertumbuhannya. Upaya mendorong pertumbuhan usaha mikro adalah dengan selalu memantau perkembangan usahanya, yaitu melalui proses pencatatan keuangan usaha yang tertata baik. Oleh karena itu, pendampingan pada kelompok usaha mikro ini, dilakukan dengan proses-proses untuk meningkatkan keahlian anggota kelompok, tentang pencatatan keuangan usaha yang sesuai dengan aturan pencatatan keuangan. Pendekatan yang digunakan dalam melakukan dampingan adalah pendekatan ABCD (Asset Based Community Development), dengan metode Appreciative Inquiry. Dengan beberapa tahapan yang dilakukan, yaitu : discovery, dream, design dan destiny, sehingga dari tahapan-tahapan yang dilalui ini, ditemukan hal-hal positif yang dimiliki oleh kelompok dampingan, yang kemudian disusun strategi dan mengimplementasikannya untuk meningkatkan nilai dari hal-hal positif yang dimiliki tersebut. Hasil yang diperoleh dengan menerapkan pendekatan dan metode yang telah ditetapkan, yaitu kelompok dampingan telah mengalami peningkatan terkait keahliannya dalam melakukan pencatatan usahanya secara signifikan. Hal ini terbukti bahwa kelompok ini telah dapat membuat jurnal, neraca, dan laporan laba rugi secara sederhana. Kata Kunci : Kelompok Usaha Mikro, Pencatatan Keuangan Usaha, Pendekatan ABCD

Sosialisasi Olahan Jamur Tiram Dalam Rangka Peningkatan Pengetahuan Di Desa Sumbersuko Puspita Dwi Susanti; Renny Oktafia
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 4 No. 3 (2023): Jurnal Pengabdian kepada Masyarakat Nusantara (JPkMN)
Publisher : Cv. Utility Project Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jpkmn.v4i3.1263

Pemberian gizi anak harus sesuai dengan usia pertumbuhannya agar menjadikan kondisi gizi anak baik. Kondisi anak gizi buruk diakibatkan faktor pengetahuan dan ekonomi orang tua. Tujuan dari pengabdian masyarakat ini adalah memberikan tambahan pengetahuan mengenai inovasi olahan jamur tiram sehingga nantinya dapat digunakan dalam pemenuhan gizi anak serta menjadi ide UKM agar dapat meningkatkan penghasilan keluarga. Metode yang digunakan adalah ABCD dengan cara sosialisasi kepada ibu dari 17 anak gizi kurang. Sosialisasi berisikan mengenai inovasi olahan jamur tiram yaitu jamur krispi dan kaldu jamur. Dilanjutkan dengan pelatihan olahan jamur tiram yaitu oseng-oseng jamur tiram. Dari kegiatan tersebut tampak respon yang baik berupa antusias dan semangat selama kegiatan berlangsung. Para peserta juga mengusulkan untuk selanjutnya diadakan pelatihan mengenai pembuatan kaldu jamur. Kegiatan sosialisasi berjalan dengan baik serta mampu meningkatkan ketertarikan peserta dalam materi yang disampaikan.

Analisis Optimalisasi Efiensi Operasional Bank BNI Berdasarkan Rasio Biaya Dana Pada Tahun 2019-2021 M.Arief Safi’i; Ratna Ayu Wijayanti; Riki Zogik Firmansyah; Renny Oktafia
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 2 (2024): April
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i2.669

This research evaluates and optimizes the operational efficiency of Bank Negara Indonesia (BNI) during the 2020-2023 period with a focus on the cost of funds ratio. Using a quantitative approach and qualitative interpretation, this research analyzes BNI financial data to identify trends and factors that influence fund expense ratios. The results provide insight into BNI's performance compared to industry standards and competitors. It is hoped that the recommendations from this research can help BNI management improve operational efficiency, support competitiveness in the banking industry, and make a positive contribution to the national economy.

PRAKTIK PENERAPAN AKAD WADI’AH DALAM PERBANKAN SYARIAH (STUDI KASUS BANK BTN) Ratna Ayu Wijayanti; M.Arief Safi’i; Riki Zogik Firmansyah; Mirza Hisyam Maulana; Renny Oktafia
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 2 (2024): April
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i2.670

This research focuses on the implementation of the Al Wadiah concept in the State Savings Bank (BTN) in Indonesia. The concept is based on Islamic law and deals with trust and custody. The bank has integrated Al Wadiah into its savings services and manages customer funds in accordance with Sharia regulations. This study uses secondary data to analyze the implementation. The study found that BTN offers a range of savings products that emphasize the security of deposited funds. The study also identified challenges and opportunities faced by the bank in implementing the concept. These challenges include regulatory changes, educating the public and a comprehensive understanding of Sharia principles. Despite these challenges, there are opportunities for BTN to expand its range of Sharia-based services and increase public confidence in the financial system.

KONSEP KEPEMILIKAN HARTA DALAM ISLAM Ratna Ayu Wijayanti; Riki Zogik Firmansyah; Mochamad Rizal Anwar; Renny Oktafia
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 2 (2024): April
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i2.671

Property in Islam is a significant concept that encompasses various aspects such as ownership, distribution, and utilization. Islam emphasizes the importance of legal and transparent ownership, where wealth must be acquired through honest and ethical means. Unethical practices like theft and usury are strictly prohibited. Fair distribution of wealth is also emphasized, as seen in the obligation of zakat, a mandatory payment given to those in need. Islam promotes the idea that wealth should not be selfishly retained by a few, but should be fairly distributed to benefit society as a whole. Additionally, Islam highlights responsible utilization of property. While recognizing individual property rights, Islam also emphasizes the responsible and conscientious use of wealth. Overall, the concept of property in Islam is grounded in principles of integrity, fairness, and responsible stewardship.

PERAN DAN KONSEKUENSI KEBIJAKAN MONETER DALAM EKONOMI SYARIAH Riska Noviana; Ertanti Ardian; David Verdyansyah; Renny Oktafia
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 2 (2024): April
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i2.678

Monetary policy is one of the crucial instruments in regulating the economy of a country. In conventional economics, monetary policy is implemented through mechanisms such as interest rates and open market operations. However, in Sharia-compliant economies, which are based on the prohibition of riba (interest), monetary policy must be executed using instruments that adhere to Sharia principles. This study adopts a literature review methodology, thus focusing on bibliographic materials by seeking relevant literature. The theoretical data utilized in this research is obtained from library literature and analyzed based on various references in this paper. By understanding the role and consequences of monetary policy in Sharia economics, it is hoped that new insights can be provided for the development and implementation of monetary policies that align with Sharia principles.

ANALISIS RASIO BIAYA DANA DALAM KINERJA KEUANGAN BANK : PENDEKATAN STUDI KASUS INDUSTRI PERBANKAN DI INDONESIA Agustian Mahendra Putera; Rio Ferdinand Simarmata; Pramesti Pramudita Ektiyas Anggraeni; Renny Oktafia
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 2 (2024): April
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i2.680

The cost of funds ratio is a matrix used to carry out analysis in financial reports to evaluate banking financial performance by connecting various factors that influence the cost of funds ratio. Financial ratio analysis is part of business analysis that assesses a company's prospects and risks. Cost of funds ratio analysis describes the relationship between the amount of money and the company's burden in managing these finances to increase profitability. Cost of funds ratio analysis method. Research was conducted to identify information related to cost of funds ratio analysis in banking. The research results show the significant impact of financial ratio analysis on the financial performance of banking companies in Indonesia. Suggestions include increasing LDR, reducing NPL, controlling operational costs, and improving customer service. It is also recommended that the banking industry be able to reduce the cost of funds ratio regularly to improve its financial performance.

Analisis Rasio Likuiditas Pada Laporan Keuangan PT. Bank Negara Indonesia (Persero) Tbk Tahun 2019-2023 Siti Rohizah; Jeniper Indah Pandiangan; Sandy Mukti Ali; Renny Oktafia
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 2 (2024): April
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i2.685

Bank Negara Indonesia (BNI) is one of the largest banks in Indonesia, which if you look at it has experienced significant development, especially in terms of assets and income, which are benchmarks for its financial performance. Financial ratio analysis, especially liquidity ratios, is an important part of measuring a bank's ability to pay short-term obligations. Liquidity ratios, such as Current Ratio, Cash Ratio, Loan to Deposit Ratio, and Loan to Asset Ratio, provide an overview of the bank's financial health. Through quantitative methods and research literature, we want to know how much Bank Negara Indonesia's liquidity ratio has developed from 2019 to 2023. From the analysis of this ratio, it can be concluded that Bank Negara Indonesia has quite good liquidity during the 2019 to 2013 period, which directly means that Bank Negara Indonesia has a good ability to pay its short-term obligations.

Co-Authors Abdul Rahman Hidayat Afrixson Leonardo Alexzander Agustian Mahendra Putera Alexander Yusuf Imaduddin Indra Surya Alya Dewanti Permatasari Amanda Diva Mia Putri Amilatus Nafisah Andreanto Indra Pratama Anggela Setiya Putri Anisa Fitria Utami Aprilia Rahmasari Ashilah Razaktania W Aulia Daisy Arsy Syafitri Ayuntin Nonik Pratiwi Bunga Aura Putri Sulistyono Cyntya Dwi Permata Danik Firdania David Maulana Verdiansyah David Verdyansyah Daya Amarta Suwarjana Desita Fitriani Devi agustina Devina Lutfa Dianti Doni Tri Susanto Dwiki Andreansyah Nugraha Endah Mudiyatul Kustinah Ertanti Ardian Eva Herwanti Faros Hafidz Muhammad Trizhadi Fiorentina Amanda Argawandani Fitiara Ainur Rakhimah Francisca Galuh Dewanti Hartutik (Hartutik) Holisatul Amalia I Gede Agung Krisnha Ika Murni Wati Ina Urifah Jaharuddin Jaharuddin Jeniper Indah Pandiangan Juliani Wulandari Kharisma Tri Buana Dewi Krisna Reswara Leira Narulita M. Taufiq M.Arief Safi’i Masrifatul Roidha Micha Ella Br Meliala Mirza Hisyam Maulana Mochamad Rizal Anwar Muhammad Aditya Darmawan Muhammad Farhan Mochtar Muhammad Nizham Ramadhika H Muhammad Rafi N Mutafikatul Khoiriyah Nadila Salsavira Nadya Aura Wulan Savitri Natania Anggraini Nur Anis Machfudloh Nur Emily Tasmiatun Nur Nadila Harisanti Olga Fatmah Rahmawati Pramesti Pramudita Ektiyas Anggraeni Puspita Dwi Susanti Putra Fajar Maulana Putri Aprilya Rahmawati Putri Hana Febrian R. Danang Raihan Hendrartono Raihan Rahmatullah Ratna Ayu Wijayanti Rif’ Aida Mirza Aurora Riki Zogik Firmansyah Rindyi Putri Lestari Rio Ferdinand Simarmata Riska Febrian Riska Noviana Rizky Wahyu Pranata Sandy Mukti Ali Sephia Zalyanti Setya Surya Wardhana Silvia Kurnia Illahi Siti Ayu Rochmaniah Siti Rohizah Sonia Br Ginting Sri Ayu Lestari SRI WINDARI Syaila Salsabila Tsaqif Fadhlilhaq Vivi Kustieni Wisanggeni Wahyu Lintang B.S Yoga Permana

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