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<![CDATA[Analisis SWOT dengan Model Importance Performance Analysis (IPA) Pada Layanan Fintech Bank Syariah di Indonesia ]]>
<![CDATA[Mazza Basya, Maziyah]]>;
<![CDATA[Utami Silfia Ayu, Betty]]>
<![CDATA[ El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 10 No. 2 (2020): el-Qist ]]>
Publisher : <![CDATA[Islamic Economic Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia ]]>
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DOI: 10.15642/elqist.2020.10.2.179-191
<![CDATA[Fintech has great potential to encourage the development of Islamic economics and finance in Indonesia, especially now that fintech-based services have been widely applied in the Islamic finance industry in various countries. Fintech can be applied to Islamic banking to encourage the development of the Islamic financial industry by providing more efficiency and fast service to customers, however the existing fintech services have not fully met the expectations of its customers. Basically, SWOT analysis is used as a tool to formulate strategic planning based on the top managerial brainstorming process. Nowadays, some experts criticize the subjectivity of SWOT analysis for being too high, so this research uses the Importance Performance Analysis (IPA) method to determine the perceptions of fintech financing customers in Islamic banks in Indonesia so that it can be taken into consideration in managerial decision making for the development of Islamic bank fintech financing. in Indonesia. Key Words: Fintech; Islamic Bank; SWOT analysis; Importance Performance Analysis  Abstrak: Fintech sangat potensial untuk mendorong perkembangan ekonomi dan keuangan Syariah di Indonesia, terlebih saat ini layanan berbasis fintech telah banyak diterapkan dalam industri keuangan Syariah di berbagai Negara. Fintech dapat diaplikasikan pada perbankan Syariah untuk mendorong pengembangan industri keuangan Syariah dengan lebih memberikan efisiensi dan pelayanan jasa dalam waktu cepat kepada para nasabah, namun layanan fintech yang ada belum sepenuhnya memenuhi harapan nasabahnya. Analisis SWOT pada dasarnya digunakan sebagai alat untuk merumuskan perencanaan strategis berdasarkan proses brainstorming top manajerial. Dewasa ini, beberapa ahli mengkritisi subjektivitas analisis SWOT yang terlalu tinggi, sehingga penelitian ini menggunakan metode Importance Performance Analysis (IPA) untuk mengetahui persepsi nasabah pembiayaan fintech pada bank Syariah di Indonesia sehingga dapat dijadikan pertimbangan dalam pengambilan keputusan bagi manajerial untuk pengembangan pembiayaan fintech bank Syariah di Indonesia. Kata Kunci: Fintech; Bank Syariah; Analisis SWOT; Importance Performance Analysis]]>
<![CDATA[Analisis SWOT dengan Model Importance Performance Analysis (IPA) Pada Layanan Fintech Bank Syariah di Indonesia ]]>
<![CDATA[Maziyah Mazza Basya]]>;
<![CDATA[Betty Utami Silfia Ayu]]>
<![CDATA[ El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 10 No. 2 (2020): el-Qist ]]>
Publisher : <![CDATA[Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia ]]>
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DOI: 10.15642/elqist.2020.10.2.179-191
<![CDATA[Fintech has great potential to encourage the development of Islamic economics and finance in Indonesia, especially now that fintech-based services have been widely applied in the Islamic finance industry in various countries. Fintech can be applied to Islamic banking to encourage the development of the Islamic financial industry by providing more efficiency and fast service to customers, however the existing fintech services have not fully met the expectations of its customers. Basically, SWOT analysis is used as a tool to formulate strategic planning based on the top managerial brainstorming process. Nowadays, some experts criticize the subjectivity of SWOT analysis for being too high, so this research uses the Importance Performance Analysis (IPA) method to determine the perceptions of fintech financing customers in Islamic banks in Indonesia so that it can be taken into consideration in managerial decision making for the development of Islamic bank fintech financing. in Indonesia. Key Words: Fintech; Islamic Bank; SWOT analysis; Importance Performance Analysis Abstrak: Fintech sangat potensial untuk mendorong perkembangan ekonomi dan keuangan Syariah di Indonesia, terlebih saat ini layanan berbasis fintech telah banyak diterapkan dalam industri keuangan Syariah di berbagai Negara. Fintech dapat diaplikasikan pada perbankan Syariah untuk mendorong pengembangan industri keuangan Syariah dengan lebih memberikan efisiensi dan pelayanan jasa dalam waktu cepat kepada para nasabah, namun layanan fintech yang ada belum sepenuhnya memenuhi harapan nasabahnya. Analisis SWOT pada dasarnya digunakan sebagai alat untuk merumuskan perencanaan strategis berdasarkan proses brainstorming top manajerial. Dewasa ini, beberapa ahli mengkritisi subjektivitas analisis SWOT yang terlalu tinggi, sehingga penelitian ini menggunakan metode Importance Performance Analysis (IPA) untuk mengetahui persepsi nasabah pembiayaan fintech pada bank Syariah di Indonesia sehingga dapat dijadikan pertimbangan dalam pengambilan keputusan bagi manajerial untuk pengembangan pembiayaan fintech bank Syariah di Indonesia. Kata Kunci: Fintech; Bank Syariah; Analisis SWOT; Importance Performance Analysis]]>
<![CDATA[ANALISIS PENYERAPAN TENAGA KERJA PADA SEKTOR INDUSTRI MANUFAKTUR (BESAR DAN SEDANG) PROPINSI JAWA TIMUR ]]>
<![CDATA[Betty Silfia Ayu Utami]]>
<![CDATA[ Journal of Economics Development Issues Vol 3 No 01 (2020): Journal of Economics Development Issues ]]>
Publisher : <![CDATA[Universitas Pembangunan Nasional "Veteran" Jawa Timur ]]>
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DOI: 10.33005/jedi.v3i01.39
<![CDATA[Tujuan dari penelitian ini adalah untuk melihat pengaruh antara variabel ekspor, upah minimum propinsi, investasi indsutri manufaktur, dan PDRB industri manufaktur terhadap penyerapan Tenaga Kerja Industri Manufaktur propinsi Jawa Timur Tahun 2000-2018. Data yang digunakan dalam penelitian ini adalah data sekunder berupa data time series tahun 2000-2018 dengan menggunakan metode analisis regresi. Berdasarkan analisis yang dilakukan diperoleh hasil bahwa variabel ekspor tidak berpengaruh terhadap Penyerapan Tenaga Kerja di Propinsi Jawa Timur. Hasil ini dibuktikan dengan nilai signifikansi sebesar 0,129 lebih besar dari tingkat signifikansi yang disyaratkan yaitu sebesar 0,05, upah minimum propinsi tidak berpengaruh terhadap Penyerapan Tenaga Kerja di Propinsi Jawa Timur. Hasil ini ditunjukkan dari nilai signifikansi sebesar 0,135 lebih besar dari tingkat signifikansi yang diharapkan yaitu 0,05, Investasi Industri Manufaktur berpengaruh positif dan signifikan terhadap Penyerapan Tenaga Kerja di Propinsi Jawa Timur. Hasil ini ditunjukkan dari nilai signifikansi sebesar 0,000 lebih kecil dari tingkat signifikansi yang diharapkan yaitu 0,05, dan PDRB industri manufaktur berpengaruh positif terhadap penyerapan tenaga kerja di Propinsi Jawa Timur. Pada uji determinasi terdapat pengaruh sebesar 99,4% dari variabel independen terhadap variabel dependen, sedangkan sebanyak 0,006% dipengaruhi oleh variabel lain dan tidak termasuk kedalam analisis regresi ini.]]>
<![CDATA[ANALISIS KINERJA KEUANGAN DAERAH PEMERINTAH KOTA SURABAYA TAHUN 2015-2019 ]]>
<![CDATA[Nuzulul Siswo Abdulaziz]]>;
<![CDATA[Betty Silfia Ayu Utami]]>
<![CDATA[ Journal of Economics Development Issues Vol 4 No 2 (2021): Journal of Economics Development Issues ]]>
Publisher : <![CDATA[Universitas Pembangunan Nasional "Veteran" Jawa Timur ]]>
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DOI: 10.33005/jedi.v4i2.106
<![CDATA[This study will answer questions about the level of efficiency and effectiveness of the Surabaya City Government's regional finance for the 2015-2019 fiscal year and how the level of regional financial independence of the Surabaya City Government for the 2015-2019 fiscal year. This study uses a descriptive research method with a quantitative approach. The data used is secondary data that comes from the website of the Surabaya City Financial and Regional Tax Management Agency. The data analysis technique uses financial ratios. The results of this study are the level of efficiency shows that the regional finances of the Surabaya City Government for the 2015-2019 fiscal year are classified as less efficient and inefficient, because the efficiency ratio is between 90%-100% and more than 100%. The level of effectiveness of the performance of the Surabaya City Government is included in the very effective category in managing the realization of Surabaya City's revenue, the average is above 100%. Judging from the level of regional financial independence, it shows that the level of dependence of the Surabaya City Government on the Central Government is delegative, ie there is no intervention from the Central Government, because the average value of regional financial independence is 166.23%. Keywords: Regional Financial Performance, Efficiency, Effectiveness and Independence of Regional Finance. Penelitian ini akan menjawab pertanyaan tentang bagaimana tingkat efisiensi dan tingkat efektivitas keuangan daerah Pemerintah Kota Surabaya tahun anggaran 2015-2019 dan bagaimana tingkat kemandirian keuangan daerah Pemerintah Kota Surabaya tahun anggaran 2015-2019. Penelitian ini menggunakan metode penelitian deskriptif dengan pendekatan kuantitatif. Data yang digunakan ialah data sekunder yang berasal dari situs web Badan Pengelolaan Keuangan dan Pajak Daerah Kota Surabaya. Teknik analisis data menggunakan rasio keuangan. Hasil penelitian ini ialah tingkat efisiensi menunjukkan keuangan daerah Pemerintah Kota Surabaya Tahun anggaran 2015-2019 tergolong kurang efisien dan tidak efisien, karena rasio efisiensi berada antara 90%-100% dan lebih dari 100%. Tingkat efektivitas kinerja Pemerintah Kota Surabaya masuk pada kategori sangat efektif dalam pengelolaan realisasi pendapatan Kota Surabaya, rata-rata berada diatas 100%. Ditinjau dari tingkat kemandirian keuangan daerah menunjukkan bahwa tingkat ketergantungan Pemerintah Kota Surabaya terhadap Pemerintah Pusat termasuk delegatif, yakni tidak ada campur tangan Pemerintah Pusat, dikarenakan nilai rata-rata kemandirian keuangan daerah 166,23%. Kata Kunci: Kinerja Keuangan Daerah, Efisiensi, Efektivitas dan Kemandirian Keuangan Daerah]]>
<![CDATA[Dampak Implementasi Program Smart Kampung di Kabupaten Banyuwangi ]]>
<![CDATA[Abdul Hakim]]>;
<![CDATA[Betty Silfia Ayu Utami]]>;
<![CDATA[Maziyah Mazza Basya]]>
<![CDATA[ OECONOMICUS Journal of Economics Vol. 6 No. 2 (2022): (Juni) edisi 12 ]]>
Publisher : <![CDATA[Program Studi Ilmu Ekonomi UIN Sunan Ampel Surabaya ]]>
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DOI: 10.15642/oje.2022.6.2.128-139
<![CDATA[This study aims to analyze the impact of the implementation of the "Smart Kampung" program on economic aspects and public services in Banyuwangi. Smart kampung provides space for government work programs in all fields in an integrated and integrated manner between one government agency and other governments.The impact of the smart village program on the economic aspect in the 10 villages that became the smart village pilot project in Banyuwangi district is different. The village government is required to support the implementation of the smart village program so that the smart village program has a positive impact on the economy of its village residents, namely by producing innovative programs by encouraging productive economic activities, creative economic activities.]]>
<![CDATA[Model Pengembangan Desa Wisata Tamansari Banyuwangi sebagai Upaya Pemulihan Ekonomi Desa Pasca Pandemi COVID-19 ]]>
<![CDATA[Betty Silfia Ayu Utami]]>
<![CDATA[ OECONOMICUS Journal of Economics Vol. 7 No. 1 (2022): (December) edisi 13 ]]>
Publisher : <![CDATA[Program Studi Ilmu Ekonomi UIN Sunan Ampel Surabaya ]]>
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DOI: 10.15642/oje.2022.7.1.91-100
<![CDATA[This study aims to analyze the strategy for developing the Tamansari tourism village in an effort to recover the economy during the COVID-19 pandemic. The data analysis technique is in the form of SWOT analysis using a quantitative approach to identify strengths, weaknesses, opportunities, and threats of the Tamansari tourism village which is then weighted andscored to produce analysis matrices, diagrams and strategy recommendations through SWOT. The results of the study put the Tamansari tourism village development strategy in an effort to recover the economy during the COVID-19 pandemic as an aggressive strategy (SO strategy). The aggressive strategy developed is to increase the implementation of cultural events through good cooperation with universities and local governments as well as maintaining the locality and cultural treasures and customs of Tamansari Village, improving the quality of processed products and maintaining innovation, opening space for village digitization, increasing variety tourism support products, improve the quality of service to tourists. research explains that Tamansari tourism village has greater strengths and opportunities than its weaknesses and threats, this makes Tamansari tourism village a village that has the potential to be developed and able to contribute to improving the economy of local communities in efforts to recover the economy during the COVID-19]]>
<![CDATA[Pengaruh Alokasi Aset, Pemilihan Saham dan Tingkat Risiko Terhadap Reksadana Saham Syariah di Indonesia Tahun 2015-2019 ]]>
<![CDATA[Maziyah Mazza Basya]]>;
<![CDATA[Betty Silfia Ayu Utami]]>
<![CDATA[ Al-Muraqabah: Journal of Management and Sharia Business Vol. 1 No. 1 (2021): Al-Muraqabah: Journal of Management and Sharia Business ]]>
Publisher : <![CDATA[Sharia Business Management Study Program, Faculty of Economics and Islamic Business at IAIN Kediri ]]>
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DOI: 10.30762/almuraqabah.v1i1.122
<![CDATA[The purpose of this study was to determine the effect of asset allocation, stock selection, and the level of risk on Islamic mutual funds in Indonesia. The research method used is multiple linear regression. The data used in this study are secondary data such as the NAB report for Islamic equity mutual funds in Indonesia from 2007-to 2011. The results showed that stock selection had a positive and significant effect on Islamic equity mutual funds in Indonesia, while asset allocation and risk had a negative effect on Islamic equity mutual funds in Indonesia.]]>
<![CDATA[Pengaruh Nilai Ekspor Besi Baja Indonesia Ke 10 Negara Tujuan ]]>
<![CDATA[Frisca Yunita Sari]]>;
<![CDATA[Betty Silfia Ayu Utami]]>
<![CDATA[ Equilibrium: Jurnal Ekonomi-Manajemen-Akuntansi Vol 19, No 1 (2023): April ]]>
Publisher : <![CDATA[Research Institution and Community Service Universitas Wijaya Kusuma Surabaya ]]>
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DOI: 10.30742/equilibrium.v19i1.2789
<![CDATA[ Iron & Steel is the third leading commodity after CPO and coal in Indonesia. The purpose of this study is to analyze competitiveness and the factors that influence the value of Indonesian steel exports to 10 destination countries using a gravity model. The method of analysis of this research is quantitative with the analytical technique used is RCA to analyze competitiveness and the gravity panel data model to analyze the factors that influence Indonesia's iron and steel exports. The data used in analyzing is secondary data for the annual period obtained from the World Bank, the Central Bureau of Statistics, Uncomtrade, IMF, CEPII. The results of the data analysis show that the average Indonesian steel commodity shows an RCA value of < 1, which means that the Indonesian steel commodity is not yet highly competitive. Meanwhile, the variables GDP per capita, price, and distance to importing countries in the gravity data panel model affect the value of Indonesia's iron and steel exports by showing a probability of <0.5. In contrast to the variables of inflation, exchange rate, and production of the importing country in the gravity data panel model, they do not affect the value of Indonesia's iron and steel exports by indicating a probability of > 0.5.]]>
<![CDATA[Potensi dan Peluang Desa Wisata Gosari Wagos Sebagai Destinasi Desa Wisata Halal Berdasarkan Indikator Wisata Halal Kemenparekraf RI ]]>
<![CDATA[Rahmawati, Lilik]]>;
<![CDATA[Praktikto, Muhammad Iqbal Surya]]>;
<![CDATA[Utami, Betty Silfia Ayu]]>
<![CDATA[ Indonesia Journal of Halal Vol 7, No 1 (2024): IJH ]]>
Publisher : <![CDATA[Pusat Kajian Halal Undip ]]>
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DOI: 10.14710/halal.v7i1.21686
<![CDATA[Tujuan penelitian ini untuk menganalisis potensi dan peluang Desa Wisata Gosari sebagai destinasi desa wisata halal. Metode penelitian yang digunakan adalah analisa kualitatif. Teknik pengumpulan data melalui studi lapangan dan dokumentasi. Studi lapangan dilakukan melalui wawancara dan observasi. Wawancara dilakukan dengan Kepala Desa Gosari, Ketua BUMDes, Ketua Pokdarwis, tokoh masyarakat, serta perwakilan warga desa. Observasi yang dilakukan meliputi observasi ketersediaan fasilitas dan layanan yang ada di sekitar wilayah desa pada sembilan indikator pariwisata halal Kemenparekraf RI. Hasil penelitian menunjukkan bahwa tujuh potensi, fasilitas, dan layanan yang dimiliki memberikan peluang bagi Desa Wisata Gosari untuk berkembang menjadi wisata halal. Namun demikian perlu dilakukan penguatan unsur-unsur kekuatan obyek wisata secara kolaboratif antara Ketua BUMDes, Ketua Pokdarwis, tokoh masyarakat, serta warga Desa Gosari. Saran dan rekomendasi penelitian perlu pembuatan dokumen standar pelayanan dan penyelenggaraan wisata halal desa. Selain itu perlu secara masif melakukan sosialisasi wisata halal kepada wisatawan dan masyarakat.]]>
<![CDATA[Sektor Pariwisata Indonesia di Tengah Pandemi Covid 19 ]]>
<![CDATA[Betty Silfia Ayu Utami]]>;
<![CDATA[Abdullah Kafabih]]>
<![CDATA[ JDEP (Jurnal Dinamika Ekonomi Pembangunan) Vol. 4 No. 1 (2021): JDEP (Jurnal Dinamika Ekonomi Pembangunan) ]]>
Publisher : <![CDATA[UPN "Veteran" Jawa Timur ]]>
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DOI: 10.33005/jdep.v4i1.198
<![CDATA[In recent years, the contribution of the tourism sector has increased significantly, however at the beginning of 2020 the world was shaken by the presence of the Covid-19 virus outbreak. The President of Indonesia, Joko Widodo issued an instruction namely Large-Scale Social Restrictions (PSBB). Ban all countries or cities most affected by COVID-19 from entering their border areas. This research was conducted to see the condition of tourism in Indonesia in the midst of the Covid-19 pandemic and the steps taken by the government to restore the tourism sector using library research methods. The government through the Ministry of Tourism and Creative Economy (Kemenkarekraf) has taken several policy steps to improve the tourism sector and creative economy. The government is preparing another program, namely preparing a tourism grant fund program with a total budget of up to Rp. 3.3 trillion as the government's effort to maintain the economic sustainability of the tourism sector. Increasing exports and digitizing the marketing of creative economy products (Ekraf) are among the government's steps, so it is hoped that it can restore national tourism.]]>
