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All Journal An-Nisbah: Jurnal Ekonomi Syariah Jurnal Ekonomi dan Bisnis Islam Economica: Jurnal Ekonomi Islam DIJB (Diponegoro International Journal of Business) Indonesian Journal of Community Services Journal of Digital Marketing and Halal Industry Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Research Horizon Journal of Accounting and Finance
Saputri, Pungky Lela
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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ANALISIS PRAKTIK MINDRING MODERN Lailyah, Nurzahroh; Yasin, Rozaq Muhammad; Saputri, Pungky Lela
An-Nisbah: Jurnal Ekonomi Syariah Vol 8 No 2 (2021): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v8i2.4630

Abstract

This research aims to analyze the practice of Mindring Modern Jaya Mandiri in Kudus from the view of the National Sharia Council (DSN) fatwa of the Indonesian Ulema Council (MUI) No. 110/DSN-MUI/IX/2017 about sale and purchase contracts. This research is a qualitative research with a case study approach. The method used in this research is interview, observation, and documentation. The data validity technique used is triangulation, with analytical procedures including data reduction, data display, making conclusions and verification. The results of this study indicate that the practice of Mindring Modern Jaya Mandiri Kudus is not in accordance with the fatwa of DSN MUI No: 110/DSN-MUI/IX/2017. The use of the lease-purchase contract is not in accordance with the practice of mindring. The appropriate contract is bai’ al-taqsith.
Analyzing The Macroeconomic and Fundamental Determinants of Non-Performing Financing of Bank Muamalat Indonesia Saputri, Pungky Lela; Agriyanto, Ratno; Abdillah, Mujiyono
Economica: Jurnal Ekonomi Islam Vol 11, No 1 (2020)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2020.11.1.4346

Abstract

Abstract: This study analyzes the macroeconomic and fundamentals of Islamic banking factors towards the non-performing financing (NPF) of Bank Muamalat Indonesia in the long run and short-run period 2005-2018. The data used in this study are quarterly time-series data of Bank Muamalat Indonesia Financial Report as the source of fundamentals of Islamic banking data and Bank Indonesia Monetary Policy Review as the source of macroeconomic data period 2005 - 2018. The analytical method used is the Error Correction Model (ECM). This study shows that in the long run, inflation, central bank (Bank Indonesia/BI) Rate, and capital adequacy ratio (CAR) significantly affect the NPF; meanwhile, the financing to deposit (FDR) ratio does not affect NPF. In the short term context, only CAR has a significant effect, yet inflation, BI Rate, and FDR have no significant impact on NPF. Thus, the novelty can present the result of analysis of factors that affect NPF in the long run and short run. The limitation of the study is the use of time-series data that are very likely to spurious regression.Abstrak: Penelitian ini bertujuan untuk menganalisis pengaruh faktor makroekonomi dan fundamental perbankan syariah terhadap NPF Bank Muamalat Indonesia dalam jangka panjang dan jangka pendek periode 2005-2018. Data yang digunakan dalam penelitian ini yaitu data runtun waktu Laporan Keuangan Triwulan Bank Muamalat Indonesia sebagai sumber data fundamental perbankan syariah dan Tinjauan Kebijakan Moneter Bank Indonesia sebagai sumber data makroekonomi periode 2005 – 2018. Faktor makroekonomi diwujudkan dalam variabel Inflasi dan BI Rate. Faktor fundamental perbankan syariah diwujudkan dalam variabel CAR dan FDR. Alat analisis yang digunakan yaitu Error Correction Model (ECM). Hasil analisis menunjukkan dalam jangka panjang Inflasi, BI Rate, dan CAR dengan nilai signifikansi 0.0026, 0.0001, dan 0.0032 berpengaruh signifikan dan FDR dengan nilai signifikansi 0.6940 tidak berpengaruh signifikan terhadap NPF. Dalam jangka pendek hanya CAR dengan nilai signifikansi 0.0056 yang berpengaruh signifikan sedangkan Inflasi, BI Rate, dan FDR dengan nilai signifikansi 0.0666, 0.9532, and 0.2065 berpengaruh tidak signifikan terhadap NPF. Kebaharuan penelitian ini yaitu penelitian ini mampu menyajikan hasil analisis faktor-faktor yang mempengaruhi NPF dalam jangka panjang dan jangka pendek. Meski begitu, terdapat juga limitasi pada penelitian ini yaitu penggunaan data time series yang rawan terkena regresi lancung.
Financial inclusion and mutual funds investment decision Mutamimah, Mutamimah; Saputri, Pungky Lela; Indriastuti, Maya
Diponegoro International Journal of Business Vol 6, No 2 (2023)
Publisher : Department of Management | Faculty of Economics and Business | Universitas Diponegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/dijb.6.2.2023.114-127

Abstract

This study analyses mutual fund investment decisions based on financial inclusion. Multiple regression analysis and the sobel test were used to analyse the data. The population in this study is all mutual fund investors in Central Java, Indonesia. Purposive sampling was used in the sampling method. The results show that financial literacy and financial technology have no effect on mutual fund investment decisions but have a positive influence on financial inclusion, while financial inclusion has a positive effect on mutual fund investment decisions. Thus, financial inclusion can mediate the influence of financial literacy and financial technology on mutual fund investment decisions
Strengthening SDGs Through Islamic Financing in Banyu Biru Village, Central Java Suprianto, Edy; Shodiq, Muhammad Jafar; Sulistyo , Heru; Saputri, Pungky Lela; Hamdan, Haslenna
Research Horizon Vol. 4 No. 3 (2024): Research Horizon - June 2024
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.4.3.2024.313

Abstract

The integration of Islamic financing in Banyu Biru Village has yielded impressive results, driving sustainable development and empowering the community. This approach has spurred economic growth while fostering social equity, environmental stewardship, and a sense of shared responsibility among residents. Notable achievements include the expansion of organic farming through interest-free loans and profit-sharing, the advancement of renewable energy projects, and the empowerment of marginalized groups via benevolent loans. Additionally, Islamic finance has encouraged collaboration among entrepreneurs with profit-sharing models and supported investments in cultural preservation. This financial model has also strengthened governance and accountability structures, boosting the village's resilience against economic shocks and fluctuations. Banyu Biru stands as a model of ethical and inclusive development, demonstrating the transformative potential of Islamic financing. By integrating economic, social, and environmental goals, the village exemplifies how Islamic finance can build resilient, sustainable communities committed to achieving multiple Sustainable Development Goals (SDGs). Through its success, Banyu Biru highlights the ability of Islamic finance to address complex socio-economic challenges, offering a blueprint for other communities seeking to develop sustainably and inclusively.
The Mediating Effect of Consumer Brand Engagement on the Relationship between Social Media Marketing and Repurchase Intention Asyhari, Asyhari; Ayuni, Sri; Primananda, Naufal Athiya; Saputri, Pungky Lela; Salleh, Wan Anisabanum
Journal of Digital Marketing and Halal Industry Vol 4, No 2 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jdmhi.2022.4.2.13137

Abstract

Social media become the primary marketing to enhance repurchase intention in e-commerce. However, not many companies in Indonesia use it to increase sales and gain profits. In addition, some literature reveals that the effect of social media marketing is not significant on repurchase intention. Several studies have shown that the dimensions of social media marketing have no significant effect on consumer behaviour. This study aimed to investigate the influence of social media marketing on repurchase intention through consumer brand engagement. The data were collected from 100 consumers of online Muslim fashion products in Central Java. Data were analysed using the model partial least square structural equation (PLS-SEM) with two steps namely confirmatory and structural analysis. The result indicated that social media marketing had a positive relationship with repurchase intention. Moreover, consumer brand engagement can be mediating the relationship between social media marketing and the repurchase intention of Muslim fashion products in Indonesia. The theoretical implication of this study is to provide an overview of the factors that shape consumer repurchase intention based on Stimulus-Organism-Response theory. The practical implication is that business practitioners should pay more attention to marketing through social media than conventional marketing.
Pengelolaan Limbah Rumah Tangga melalui BUMDes untuk Meningkatkan Ekonomi Desa Batu Demak Shabihah, Khansa; Rusdi, Dedi; Rosalina, Rita; Saputri, Pungky Lela
Indonesian Journal of Community Services Vol 6, No 2 (2024): November 2024
Publisher : LPPM Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijocs.6.2.184-192

Abstract

Permasalahan utama yang dihadapi masyarakat Desa Batu, Kecamatan Karangtengah, Kabupaten Demak adalah tingginya volume sampah plastik rumah tangga, yang sebagian besar belum dimanfaatkan secara optimal. Masalah ini diperparah oleh rendahnya kesadaran dan keterampilan masyarakat dalam mengelola sampah plastik, serta terbatasnya fasilitas daur ulang. Program pengabdian ini bertujuan untuk meningkatkan kesejahteraan masyarakat Desa Batu melalui pengembangan Badan Usaha Milik Desa (BUMDes) yang memanfaatkan limbah plastik rumah tangga menjadi produk inovatif dengan nilai ekonomi tinggi.  Metode pengabdian yang digunakan meliputi survei awal dan identifikasi masalah, perencanaan program, penyelenggaraan workshop kewirausahaan, pelatihan pembuatan produk daur ulang, serta evaluasi dan monitoring. Kegiatan diawali dengan survei kebutuhan dan wawancara dengan pengurus BUMDes setempat untuk menggali potensi serta tantangan yang dihadapi. Selanjutnya, dilakukan workshop dan pelatihan secara praktis kepada 25 peserta tentang teknik pengelolaan limbah plastik hingga menghasilkan produk siap jual, seperti vas bunga dan lampu hias dari limbah plastik. Hasil pengabdian menunjukkan bahwa program ini berhasil meningkatkan pemahaman dan keterampilan masyarakat dalam memanfaatkan limbah plastik menjadi produk bernilai jual, yang pada gilirannya berkontribusi pada pengembangan ekonomi sirkular desa. Melalui pendampingan yang terus menerus, masyarakat diharapkan mampu mengembangkan kemampuan inovasi produk secara mandiri, yang pada akhirnya dapat meningkatkan pendapatan dan kualitas hidup masyarakat Desa Batu.The main problem faced by the people of Batu Village, Karangtengah District, Demak Regency is the high volume of household plastic waste, most of which has not been optimally utilized. This problem is exacerbated by the low awareness and skills of the community in managing plastic waste, as well as limited recycling facilities. This community service program aims to improve the welfare of the Batu Village community through the development of Village-Owned Enterprises (BUMDes) that utilize household plastic waste into innovative products with high economic value. The community service methods used include initial surveys and problem identification, program planning, organizing entrepreneurship workshops, training in making recycled products, and evaluation and monitoring. The activity began with a needs survey and interviews with local BUMDes administrators to explore the potential and challenges faced. Furthermore, workshops and practical training were conducted for 25 participants on plastic waste management techniques to produce ready-to-sell products, such as flower vases and decorative lamps from plastic waste. The results of the community service show that this program has succeeded in increasing the community's understanding and skills in utilizing plastic waste into products with sales value, which in turn contributes to the development of the village's circular economy. Through continuous assistance, the community is expected to be able to develop product innovation capabilities independently, which can ultimately increase the income and quality of life of the Batu Village community.
Relevansi Sistem Akuntansi Zakat Pada Pengembangan Berkelanjutan Lembaga Amil Zakat di Indonesia Fatchurrahman, M; Lubaba, Abu; Agustina, Asiroch Yulia; Larasati, Pipit; Saputri, Pungky Lela
Journal of Accounting and Finance Vol. 3 No. 1 (2024): Maret
Publisher : Universitas Wahid Hasyim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/jafin.v3i1.10853

Abstract

Lembaga amil zakat sebagai sebuah lembaga publik yang mengelola dana masyarakat dalam pengelolaannya harus memiliki sistem akuntansi dan manajemen keuangan, yang baik. Pengelolaan dana zakat di Indonesia saat ini masih dalam tahap pengembangan dan perlu ditingkatkan karena potensi pengembangannya yang sangat besar. Salah satu penyebab kurangnya perkembangan lembaga amil zakat adalah belum adanya inisiatif terhadap sistem zakat dan kerjasama dengan lembaga keuangan yang terintegrasi. Sistem akuntansi zakat saat ini bisa digunakan untuk mengelola secara tepat, efisien, dan efektif atas zakat yang dipercayakan kepada organisasi atau lembaga pengelola zakat. Kualitas pelayanan lembaga yang bertanggung jawab dalam pengumpulan, penatausahaan, dan pendistribusian zakat harus dikembangkan berdasarkan kriteria tertentu agar secara efektif mencapai tujuan mulia keadilan sosial ekonomi melalui pendistribusian kekayaan yang baik sesuai dengan ketentuan lembaga amil zakat.Penelitian ini merupakan penelitian lapangan yang menggunakan pendekatan kualitatif asosiatif, dilakukan untuk menganalisis suatu pembahasan dengan membangun hubungan antar situasi atau wilayah sosial satu sama lain, berdasarkan hubungan timbal balik atau interaktif, dengan teknik yang memungkinkan kita mengidentifikasi isi, struktur dan polaritas sosial. dalam representasi suatu fenomena pembahasan yang akan diteliti. Ketepatan pemahaman (subtilitas intellegend) dan ketepatan penjabaran (subtilitas explicand) dalam studi klerikal menjadi sangat relevan bagi penelitian ini. Maka dari itu dalam penelitian ini terdapat beberapa penafsiran (hermeneutik) yaitu penafsiran sistematis dan penafsiran ekstensif atau penafsiran memperluas serta penafsiran antisipasi dalam menjawab suatu isu hukum dengan mendasarkan pada suatu aturan yang belum berlaku.Program pengembangan berkelanjutan lembaga amil zakat di Indonesia penting untuk mengkaji zakat secara detail dalam konteks kerangka kelembagaan, dan pengelolaan kinerjanya. Hal ini disebabkan adanya mekanisme penegakan zakat untuk meningkatkan pendapatan dan menyalurkan zakat sesuai sasaran. Relevansi sistem akuntansi zakat pada pengembangan berkelanjutan lembaga amil zakat didukung juga dengan adanya informasi yang mudah dipahami dan mudah diakses berupa jumlah dana, jarak waktu, cara pelaksanaan, bentuk, bantuan atau program berkelanjutan. Selain itu juga pentingnya publikasi dan media dan adanya laporan berkala mengenai pendayagunaan sumber daya dalam perkembangan umum proyek yang dapat diakses oleh dan khususnya masyarakat penerima bantuan dan pemangku kepentingan yang lain. Kata Kunci : Relevansi Sistem Akuntansi Zakat, Lembaga Amil Zakat, Pengembangan Berkelanjutan
THE ROLE OF ISLAMIC CORPORATE GOVERNANCE IN REDUCING SHARIA BANK FINANCING RISK IN INDONESIA Sabihah, Khansa; Mutamimah, Mutamimah; Saputri, Pungky Lela; Rusdi, Dedi; Setapa, Mariam; Abarahan, Amnisuhailah
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 11 No. 1 (2025): JANUARY - JUNE 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v11i1.64146

Abstract

This study examines Islamic Corporate Governance (ICG), proxies by Sharia Supervisory Board, in mitigating the negative impact of Murabahah, Mudharabah, and Musyarakah financing on Non-Performing Financing (NPF) in Indonesian Islamic banks (2012–2023). This study employs purposive sampling to analyze 132 Islamic bank data from the Financial Services Authority (OJK) (2012–2023). Using Moderated Regression Analysis (MRA) the model testing panel static regression model by adding ICG as moderating variable. Murabahah, musharakah, and mudharabah significantly increased NPF, indicating the high financing risk of these contracts. ICG has a significant direct effect on lowering NPF, but does not moderate the relationship between financing and NPF significantly. This shows that increasing the number of ICG without adequate quality and coordination is not effective in strengthening the supervisory function, because it can cause overlapping tasks, coordination problems, and free riding behavior which actually weakens financing risk control. In summary, bank’s need to maintain their financing, especially for Murabaha and Musyarakah products. Further, considering to choosing expert ICG might help banks to break the NPF. The implication of this study is that while different sharia financing schemes significantly affect credit risk in Islamic banking, the Sharia Supervisory Board plays a crucial yet non-moderating role, highlighting the need to enhance its authority and operational involvement to strengthen risk mitigation efforts.
Strategi Pengembangan Industri Rumah Tangga-Usaha Mikro (IRT-UM) Annisa 36 dan Bandeng Presto Pandean di Kota Semarang dalam Menciptakan Keungggulan Kompetitif Sulistyo, Heru; Gunarto, Gunarto; Anik, Sri; Adi, Henny Pratiwi; Adiwijaya, Zainal Alim; Saputri, Pungky Lela
Indonesian Journal of Community Services Vol 7, No 1 (2025): May 2025
Publisher : LPPM Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijocs.7.1.93-105

Abstract

Industri Rumah Tangga Annisa 36 Semarang, yang berdiri sejak 17 Agustus 2023, memproduksi berbagai makanan seperti kentang mustofa, peyek, dan kue kering. Sementara itu, IRT Bandeng Presto Pandean, berdiri sejak Maret 2015 di Pandean Lamper, Kota Semarang, fokus pada produk bandeng seperti bandeng presto, otak-otak, pepes, nugget, bakso, dan sate bandeng sebagai oleh-oleh khas Semarang. Permasalahan yang dihadapi kedua IRT-UM adalah bagaimana mengembangkan usaha agar kompetitif. Kajian dilakukan menggunakan analisis SWOT, meliputi kekuatan, kelemahan, peluang, dan ancaman pada aspek keuangan, sumber daya manusia, produksi, pemasaran, dan promosi. Hasil analisis dikembangkan dalam matriks SWOT yang menawarkan empat strategi utama: SO (Strength-Opportunity), WO (Weakness-Opportunity), ST (Strength-Threat), dan WT (Weakness-Threat). Strategi yang dipilih disesuaikan dengan kondisi masing-masing IRT-UM dan bergantung pada keputusan pemilik usaha. Pendekatan ini bertujuan membantu Annisa 36 dan Bandeng Presto Pandean meningkatkan daya saing dan menciptakan keunggulan kompetitif dalam industri pangan lokal.Annisa 36 Home Industry, established on August 17, 2023, in Candi Losmen, Semarang City, produces various food items such as crispy fried potatoes (kentang mustofa), traditional crackers (peyek), and assorted cookies. Meanwhile, Bandeng Presto Pandean Home Industry, founded in March 2015 in Pandean Lamper, Semarang City, specializes in milkfish-based products, including bandeng presto, milkfish otak-otak, steamed milkfish (pepes), milkfish nuggets, milkfish meatballs, and milkfish satay, making it a prominent producer of Semarang's signature food souvenirs. The main challenge faced by these two micro-enterprises (IRT-UM) is how to develop their businesses to remain competitive. The study utilizes a SWOT analysis framework, which examines internal conditions (strengths and weaknesses) and external factors (opportunities and threats) across financial, human resources, production, marketing, and promotional aspects. The results are structured into a SWOT matrix offering four primary business strategies: Strength-Opportunity (SO), Weakness-Opportunity (WO), Strength-Threat (ST), and Weakness-Threat (WT). The strategy selection is tailored to the unique conditions of each home industry and depends significantly on the decision-making of the respective business owners. This approach aims to assist Annisa 36 and Bandeng Presto Pandean in enhancing their competitiveness and establishing a sustainable edge within the local food industry.
FINANCING DISTRIBUTION AND ITS EFFECT ON NON-PERFORMING FINANCING OF ISLAMIC BANKS Saputri, Pungky Lela; Ahmadi, Hanif
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 8 No. 2 (2022): Jurnal Alwatzikhoebillah: Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v8i2.1472

Abstract

Non-performing financing manifested in the Non-Performing Financing (NPF) ratio is a threat to the sustainability of Islamic banks. This research seeks to reveal how much financing distribution carried out by Islamic banks can have an impact on NPF through hypothesis testing. This study examines the variables of profit-sharing financing and murabahah financing to the NPF ratio of Islamic banks. Timeseries data from each of these variables is obtained from the Quarterly Financial Statements of Bank Syariah Indonesia for the period 2015 – 2022. The data were tested using multiple linear regression. The results of the study found that profit-sharing-based financing turned out to be profit-sharing-based financing able to suppress the occurrence of NPF and murabahah financing had no influence on increasing NPF.
Co-Authors Abarahan, Amnisuhailah Abdillah, Mujiyono Ahmadi, Hanif Asiroch Yulia Agustina Asyhari Asyhari, Asyhari Ayuni, Sri Dedi Rusdi Fatchurrahman, M Gunarto Gunarto Hamdan, Haslenna Henny Pratiwi Adi Heru Sulistyo Lailyah, Nurzahroh Larasati, Pipit Lubaba, Abu MARIA BINTANG Maya Indriastuti Muhammad Jafar Shodiq Mutamimah Mutamimah Primananda, Naufal Athiya Ratno Agriyanto Rosalina, Rita Sabihah, Khansa Salleh, Wan Anisabanum Setapa, Mariam Shabihah, Khansa Sri Anik, Sri Sulistyo , Heru Yasin, Rozaq Muhammad Zainal Alim Adiwijaya, Zainal Alim