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All Journal IJIBE (International Journal of Islamic Business Ethics) Jurnal Ilmiah Ekonomi Islam Jurnal Ilmu Ekonomi dan Pembangunan Isti`dal : Jurnal Studi Hukum Islam Jurnal Ekonomi & Keuangan Islam Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Iqtishoduna: Jurnal Ekonomi Islam Iqtishodia: Jurnal Ekonomi Syariah JES (Jurnal Ekonomi Syariah Darmabakti : Junal Pengabdian dan Pemberdayaan Masyarakat Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN) Jurnal Ekonomi Syariah Pelita Bangsa Labatila: Jurnal Ilmu Ekonomi Islam Indonesian Community Development Journal (ICODEV) Journal of Business Studies and Management Review Indo-Fintech Intellectuals: Journal of Economics and Business Equilibrium: Jurnal Ekonomi Syariah Journal of Halal Industry Studies Journal of Islamic Economics and Business Ethics (JIESBI) Ar Rehla: Journal of Islamic Tourism, Halal Food, Islamic Traveling, and Creative Economy Sharef: Journal of Sharia Economics and Finance Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah eJEBA The Indonesian Journal of Islamic Economics Research
Utami, Cahyaning Budi
Universitas Islam Nahdlatul Ulama Jepara
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Empowering Microfinance Institutions through Credit Risk Analysis Training: Experience from Pecangaan, Jepara Utami, Cahyaning Budi; Hazmi, Faiqul; Choeri, Imron; Salam, Nur Cahyo Muhammad Agus; Kaila, Adinda Nafaul
ICODEV: Indonesian Community Development Journal Vol. 6 No. 2 (2025)
Publisher : Da'wa Faculty UIN Saizu Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/icodev.v6i2.15288

Abstract

Kredit macet merupakan salah satu risiko kredit yang dihadapi lembaga keuangan. Dalam 10tahun terakhir, di Jepara, terdapat 5 lembaga keuangan mikro terutama koperasi gagal dalammengelola risiko kredit yang menyebabkan hilangnya uang masyarakat. Analisa pembiayaandan “Kalkulator Risiko” merupakan langkah preventif bagi lembaga untuk meminimalkan risikokredit yang mungkin muncul. Program pengabdian ini bertujuan untuk memberikan pelatihananalisa keuangan dan penggunaan “Kalkulator Risiko” untuk karyawan koperasi di lingkunganKecamatan Pecangaan, Jepara. Metode pelakanaan pengabdian terdiri dari sosialisasi penyusunan“Kalkulator Risiko”, pelatihan Analisa pembiayaan, simulasi dan pelatihan penggunaanKalkulator Risiko serta monitoring dan evaluasi. “Kalkulator Risiko” memiliki kriteria dan bobotyang dapat dipilih sesuai dengan karakteristik nasabah. Output dari “Kalkulator Risiko” adalahlembar persetujuan yang memuat skor calon nasabah dalam 3 kategori yaitu ditolak (skor < 300),direkomendasikan (300 – 350), dan diterima (skor > 350). Kalkulator Risiko cukup potensialuntuk digunakan pada lembaga keuangan mikro sejenis, namun perlu melakukan penyesuaiandengan karakteristik masing-masing lembaga. Hasil dari program pengabdian ini adalah melaluiKalkulator Resiko maka mitra mampu melakukan analisa pembiayaan dengan objektif dariberhati-hati.
The Effect of Green Banking Disclosure on the Financial Performance of Regional-Owned Islamic Banks Ernawati, Siti; Utami, Cahyaning Budi
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.15089

Abstract

This study aims to determine the impact of green banking disclosure on the financial performance of regional-owned Islamic commercial banks in Indonesia. This research employs a quantitative approach and uses secondary data sourced from the sustainability report of the banks starting from 2020 until 2023. The study focuses on four Islamic banks owned by local governments: Aceh Syariah Bank, BJB Syariah Bank, NTB Syariah Bank, and BRK Syariah Bank. The analysis technique used include descriptive analysis and panel data regression analysis. The results showed that GBDI has no significant effect on ROA and ROE. This outcome may be attributed to the fact that many banks are not prioritizing the disclosure of green banking information, especially in countries where regulations on green banking practices are weak. However, adequate disclosure of green banking can improve transparency, accountability and efficiency of banks, potentially leading to a positive impact on their financial performance. Some limitations of this study need to be considered, specifically the research only focuses on regional-owned Islamic commercial banks in Indonesia. Future research could expand the sample to include Islamic commercial banks owned by the central government as well as private Islamic banks to provide more comprehensive insights.
Peran identitas halal dalam membentuk perilaku pembelian konsumen pada produk perawatan diri Utami, Cahyaning Budi; Slamet, Slamet; Sartika, Rebecca Cindy; Bakhri, Muh Syaiful
Journal of Halal Industry Studies Vol. 4 No. 2 (2025): Journal of Halal Industry Studies
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jhis.v4i2.2517

Abstract

The halal personal care industry in Indonesia has recorded rapid growth in recent years, as evidenced by the increasing number of locally halal-certified brands and a noticeable shift in consumer preferences toward prioritising product safety and halal identity. This market dynamic highlights the need to better understand the factors that shape consumer purchasing behaviour. This study aims to examine the influence of internal product characteristics, namely price and halal labelling, and external factors, including perceived product quality and halal awareness, on purchase behaviour, with purchase intention serving as a mediating variable. This study targeted individuals within the productive age group who consume halal personal care products. Data were collected via an online questionnaire administered to 144 respondents and analysed using the Partial Least Squares–Structural Equation Modelling (PLS-SEM) approach. The results indicate that halal awareness and halal labels significantly influence purchase intention, whereas perceived product quality and price do not. Furthermore, purchase intention is shown to be a crucial mediator linking halal awareness and halal label to actual purchase behaviour. These findings underscore that consumer purchase behaviour in this category is driven more by value orientation and halal identity than by functional product considerations.
Beyond access: Islamic financial literacy and women’s empowerment Sukoco, Bambang; Utami, Cahyaning Budi; Ivantri, Madha Adi; Awdalkrem, Alhussain
Jurnal Ekonomi & Keuangan Islam Volume 12 No. 1, January 2026
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol12.iss1.art10

Abstract

Purpose – This study examines the effect of Islamic financial literacy on women’s empowerment using Islamic financial inclusion as a mediating variable. In addition, digital financial literacy was examined to capture its complementary role in expanding women’s financial participation.Methodology – Using data of 140 female who were or had been married, this group reflects household decision-making roles and provides valuable insights into women’s empowerment. The relationships among the variables were analyzed using structural equation modeling-partial least squares (SEM-PLS). Findings – The results show that both Islamic financial literacy and digital financial literacy significantly enhance Islamic financial inclusion and women’s empowerment. However, Islamic financial inclusion does not significantly mediate the relationship between literacy (Islamic and digital) and women’s empowerment. Implications – The findings emphasize the need to strengthen financial literacy programs, both digital and Islamic, as part of broader efforts to advance women's empowerment in OIC (Organization of Islamic Cooperation) member countries. Financial institutions and policymakers should integrate literacy initiatives with inclusion strategies to ensure that women fully benefit from Sharia-compliant financial services.Originality – This study provides new evidence linking Islamic financial literacy, digital financial literacy, and Islamic financial inclusion to explain women’s empowerment. This offers insights into the pathways through which literacy and inclusion interact, particularly in the context of Islamic finance.
MINING PUBLIC OPINIONS ON URBAN GREEN SPACES IN MAGELANG: BIG DATA SENTIMENT AND TOPIC MODELING FOR SDGS-ORIENTED POLICY Dewi, Ivana Rosediana; Asykarulloh, Azam; Utami, Cahyaning Budi
e-Journal Ekonomi Bisnis dan Akuntansi Vol. 13 No. 1 (2026): e-JEBA Volume 13 Number 1 Year 2026
Publisher : e-Journal Ekonomi Bisnis dan Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/e-jeba.v13i1.60003

Abstract

Urban Green Spaces (UGS) play a crucial role in improving environmental quality, fostering social interaction, and enhancing the well-being of urban communities. In Magelang City, Indonesia, a growing small city, understanding public perceptions of UGS is essential to ensure their effective development and to align with Sustainable Development Goal (SDG) 11: Sustainable Cities and Communities. This study employs an AI-based approach to evaluate public sentiments and identify key discussion themes by applying big data analytics to user-generated reviews from Google Maps. Python-based text mining techniques were utilized, with the Valence Aware Dictionary for Sentiment Reasoning (VADER) used for sentiment classification and Latent Dirichlet Allocation (LDA) applied for topic modeling. Results show that public perception is predominantly positive, emphasizing cleanliness, comfort, aesthetic value, and accessibility. Negative sentiments, although fewer, highlight issues in facility maintenance, limited amenities, safety, and spatial accessibility. These findings provide actionable implications for policymakers by offering evidence-based justification for future investments, responsive design strategies, and continuous monitoring of UGS quality from a citizen-centered perspective. Contributing to more inclusive, safe, and sustainable urban development aligned with SDG 11.7.
Empirical study: social and financial performance of Islamic rural bank in Indonesia Utami, Cahyaning Budi; Mubarok, Ahmad Fauzan; Ivantri, Madha Adi; Minah, Zakiyatul; Amalia, Lutfi Nur
Indonesian Journal of Islamic Economics Research Vol. 6 No. 1 (2024)
Publisher : Faculty of Islamic Economics and Business UIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/ijier.v5i1.1854

Abstract

Islamic Rural Bank (BPRS) in Indonesia have developed rapidly and reached the lower levels of society. As an islamic institution, BPRS has both financial and social purpose. The effect of social performance on financial performance in BPRS has yet to be widely studied, especially using quantitative data over a long period. This research aims to determine the influence of social performance on financial performance at BPRS in Indonesia. This research uses internal factors (bank characteristics) and external factors (macroeconomic variables) as control variables. Generalized Method of Moments (GMM) parameter was used with Stata software to estimate selected BPRS panel data in the 2012-2021. The result shows that zakat has a positive and significant effect on financial performance at a significance level 0.01. The managerial implication of this study is to encourage Islamic rural banks to pay and report zakat.
Pengungkapan CSR Bank Syariah: Studi Komparasi Indonesia dan Malaysia Utami, Cahyaning Budi
EQUILIBRIUM Vol 8, No 2 (2020): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v8i2.8165

Abstract

Penelitian ini bertujuan untuk mengetahui perbedaan pengungkapan CSR bank syariah di Indonesia dan Malaysia. Data yang digunakan dalam penellitian ini adalah laporan tahunan bank syariah yang telah diterbitkan di website, dianalisis menggunakan metode content analysis dan dilakukan uji mann-whitney untuk melihat signifikansi perbedaan. Hasil dari penelitian ini menunjukkan terdapat perbedaan signifikan antara pengungkapan CSR bank syariah di Indonesia dan Malaysia. Hal ini disebabkan karena perbedaan regulasi mengenai hal yang harus diungkap di laporan tahunan. Hasil ini sekaligus menandakan perlunya harmonisasi pengungkapan CSR bank syariah di kancah internasional untuk menunjukkan bahwa bank syariah telah berjalan sesuai prinsip syariah dan beretika. This study aim to describe the difference CSR disclosure between islamic bank in Indonesia and Malaysia. Data used in this research is annual report of islamic banks’s which is published in their website, analyze using content analysis method and execute mann-whitney test to find out the difference. The result of this research show the significance difference on CSR disclosure between islamic bank in Indonesia and Malaysia. This is due to the differences in regulations regarding what must be disclosed in the annual report. This results also indicate the need for harmonization of CSR disclosures for Islamic banks in the international level to show that Islamic bank accordingly have run in sharia principles and ethics.
ANALYSIS OF POVERTY DETERMINANTS AFTER FISCAL DECENTRALIZATION IN EASTERN INDONESIA Sartika, Rebecca Cindy; Utami, Cahyaning Budi; Dewi, Ivana Rosediana
Jurnal Ilmu Ekonomi dan Pembangunan Vol 25, No 2 (2025): Jurnal Ilmu Ekonomi dan Pembangunan
Publisher : EP FEB UNS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/jiep.v25i2.111864

Abstract

Fiscal decentralization in Indonesia has been actively implemented since January 1, 2001, with the expectation that regions can better utilize their economic potential to accelerate community welfare, particularly in reducing poverty in Eastern Indonesia. This study investigates the effects of Regional Economic Growth (LNPDRB), Human Development Index (IPM), Labor Force Participation Rate (TPAK), Regional Native Income Growth (LNPAD), and Capital Expenditure Growth (LNBM) on the percentage of poor people (PPMISKIN) across 16 provinces in Eastern Indonesia during the 2012–2017 period. Using descriptive statistics and panel data estimation with the Fixed Effect Model (FEM) and cross-section SUR in Eviews 10, this quantitative study provides empirical evidence on the determinants of poverty reduction. The results indicate that IPM significantly reduces PPMISKIN (β = –0.2462; p = 0.0000), while TPAK has a negative effect (β = –0.0379; p = 0.0623). LNPAD also significantly decreases PPMISKIN (β = –1.4014; p = 0.0001). Conversely, LNBM has a positive and significant effect on PPMISKIN (β = 0.4619; p = 0.0132). Meanwhile, LNPDRB is statistically insignificant in reducing poverty (β = 0.0181; p = 0.3142). These findings underscore the greater influence of human development, labor participation, and regional fiscal capacity compared to economic growth in alleviating poverty in Eastern Indonesia.
Co-Authors Alma'lufah, Robi'ah Amalia, Lutfi Nur Amrina Rosyada Ansori, Miswan Ashari, Teguh Asykarulloh, Azam Awdalkrem, Alhussain Azhari, Laili Afita Bakhri, Muh Syaiful Bambang Sukoco Benzi, Kifa Yola Binti M Zahro Chouarfa, Houda dedi kurniawan Dewi, Ivana Rosediana Ernawati, Siti Faristania, Reza Anida Hazmi, Faiqul Imron Choeri Kaila, Adinda Nafaul M. Emil Hakim Aba Madha Adi Ivantri, Madha Adi Miftakhul Khasanah Minah, Zakiyatul Mubarok, Ahmad Fauzan Muhammad Izzun Nidhom Munasir Nafakhatussahariyyah, Nafakhatussahariyyah Oktaviani, Vika Rohma Rizka Aulia Sadiyah, Khalimah Safitri, Siti Zulia Salam, Nur Cahyo Muhammad Agus Sartika, Rebecca Cindy Sholihatussifa, Nailis Slamet Slamet Wahidullah Wahidullah Wahidullah, Wahidullah