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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 Rengganis Jurnal Pengabdian Masyarakat International Journal of Community Service (IJCS) Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen JURNAL EKONOMI BISNIS DAN MANAJEMEN Jurnal Ekonomi dan Bisnis 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 El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam JURNAL MULTIDISIPLIN ILMU AKADEMIK JURNAL RUMPUN MANAJEMEN DAN EKONOMI JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Journal of Ekonomics, Finance, and Management Studies Media Riset Bisnis Ekonomi Sains dan Terapan
Renny Oktafia
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PERAN LEMBAGA KEUANGAN SYARIAH DAN DAYA TARIK MASYARAKAT TERKHUSUS PADA SEKTOR UMKM Aulia Daisy Arsy Syafitri; Devina Lutfa Dianti; Nadila Salsavira; 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.v2i2.686

Abstract

The Islamic Financial Sector (IFS) is a rapidly growing sector in the Islamic economy. IFS operates on Islamic law, so it must always adhere to Islam. IFS plays a crucial role in implementing Islamic principles aimed at helping society achieve prosperity, honesty, and fairness through a profit-sharing system. One of the key players in the Islamic financial sector is Islamic banking, which has a low credit risk, resulting in a sufficient margin for MSMEs. MSMEs, also known as Usaha Mikro Kecil dan Menengah (UMKM), are a type of productive business owned by individuals or corporations and regulated by Law No. 28 of 2008. UMKM has a significant role in Indonesia's economy. This potential is what motivates Islamic banks to facilitate the provision of loans to MSMEs. As time passes, Islamic banks have become capable of supporting MSMEs, which in turn attract MSMEs to conduct transactions at Islamic banks.
Konsep Dasar Pembiayaan Dalam Perbankan Syariah Juliani Wulandari; Bunga Aura Putri Sulistyono; David Maulana Verdiansyah; Wisanggeni Wahyu Lintang B.S; 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.v2i2.687

Abstract

Financing can be interpreted as funding provided by one party to another party. Its function is to support investments that will or have been planned by the institution. Financing can also be interpreted as trust or trust. It means that the financing institution as sahib al-mal puts trust in someone to carry out the mandate given. All such costs must be used properly, fairly, and must be accompanied by clear terms and are responsible for all parties. Every Islamic financial institution has a philosophy of seeking the pleasure of Allah SWT. to acquire the virtues of the world and the hereafter. Therefore, any activities of financial institutions that are considered deviant from religious demands should be avoided. In the implementation of financing, Islamic banks must meet two most important aspects. First, the Shar'i aspect where in every realization of financing to customers must remain guided by Islamic Shari'a. Second, the economic aspect which still considers the profit generation for Islamic banks and for customers.
PEMAHAMAN KONSEPTUAL DAN IMPLIKASI RIBA DARI PERSPEKTIF EKONOMI SYARIAH Syaila Salsabila; Cyntya Dwi Permata; Muhammad Farhan Mochtar; 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.v2i2.688

Abstract

Conceptual understanding of riba and its influence in Islamic economics is an important subject in the context of Islamic finance. This research highlights the conceptual understanding of riba and its implications from the perspective of Islamic economics. Through a literature review approach, this article explores various views and arguments related to riba in Islam and Islamic economics. The analysis in this article underscores the need for a deep understanding of riba in the context of Islamic economics. Through this approach, policies can be formulated to promote principles of justice, equality, and sustainability in the Islamic financial system. Practical implications include profit-sharing systems such as mudharabah and musyarakah being used to replace riba practices, ensuring fairness and equality among parties involved in transactions. Additionally, a deeper understanding of Sharia economics and strict supervision of riba practices in the financial sector are crucial to assist individuals and institutions in managing finances in accordance with Islamic law. In conclusion, the conceptual understanding of riba and its influence from the perspective of Islamic economics is an important aspect in building a financial system that aligns with Islamic principles. By understanding the implications of riba, society can take more sustainable and equitable steps in developing Sharia-based economies.
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

Abstract

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

Abstract

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

Abstract

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

Abstract

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

Abstract

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

Abstract

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.
PERAN LEMBAGA KEUANGAN SYARIAH DAN DAYA TARIK MASYARAKAT TERKHUSUS PADA SEKTOR UMKM Aulia Daisy Arsy Syafitri; Devina Lutfa Dianti; Nadila Salsavira; 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.v2i2.686

Abstract

The Islamic Financial Sector (IFS) is a rapidly growing sector in the Islamic economy. IFS operates on Islamic law, so it must always adhere to Islam. IFS plays a crucial role in implementing Islamic principles aimed at helping society achieve prosperity, honesty, and fairness through a profit-sharing system. One of the key players in the Islamic financial sector is Islamic banking, which has a low credit risk, resulting in a sufficient margin for MSMEs. MSMEs, also known as Usaha Mikro Kecil dan Menengah (UMKM), are a type of productive business owned by individuals or corporations and regulated by Law No. 28 of 2008. UMKM has a significant role in Indonesia's economy. This potential is what motivates Islamic banks to facilitate the provision of loans to MSMEs. As time passes, Islamic banks have become capable of supporting MSMEs, which in turn attract MSMEs to conduct transactions at Islamic banks.
Co-Authors Abdul Rahman Hidayat Afandi, Amelia Octaviana 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 Bayu Aji Laksono Bunga Aura Putri Sulistyono Cinta Billytona Cyntya Dwi Permata Danik Firdania David Maulana Verdiansyah David Verdyansyah Daya Amarta Suwarjana Desita Fitriani Devi agustina Devina Lutfa Dianti Djauharotun Nafisah Doni Tri Susanto Dwiki Andreansyah Nugraha Endah Mudiyatul Kustinah Ertanti Ardian Eva Herwanti Faros Hafidz Muhammad Trizhadi Fauzatul Laily Nisa 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 Moh Rizal 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 Rahma Zhafirah 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 Satrio Novianto Sephia Zalyanti Setya Surya Wardhana Silvia Kurnia Illahi Siti Ayu Rochmaniah Siti Nur Jannah Siti Rohizah Sonia Br Ginting Sri Ayu Lestari SRI WINDARI Syaila Salsabila Tsaqif Fadhlilhaq Vivi Kustieni Wisanggeni Wahyu Lintang B.S Yoga Permana