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All Journal JURNAL EKONOMI DAN BISNIS AIRLANGGA Jurnal Ekonomi dan Bisnis Islam Jurnal Pemberdayaan Masyarakat Universitas Al Azhar Indonesia Jurnal Al Azhar Indonesia Seri Ilmu Sosial Jurnal Ekonomi dan Perbankan Syariah Jurnal Bina Bangsa Ekonomika Prosiding Seminar Nasional Pemberdayaan Masyarakat (SENDAMAS) Jurnal Ilmiah Bisnis dan Ekonomi Asia (Jibeka)
Maksum, Asep
Universitas Al Azhar Indonesia
Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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PENGARUH CAPITAL ADEQUACY RATIO (CAR), NON-PERFORMING FINANCING (NPF), DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP RETURN ON ASSET (ROA) PADA BANK UMUM SYARIAH DI INDONESIA Muhammad Anhar Ramdhani; Asep Maksum
Jurnal Bina Bangsa Ekonomika Vol. 17 No. 1 (2024): Jurnal Bina Bangsa Ekonomika (JBBE)
Publisher : LP2M Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/jbbe.v17i1.430

Abstract

This study aims to determine how the influence of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF) and Operating Expenses Operating Income (BOPO) on Return on Assets (ROA) at Sharia Commercial Banks in Indonesia for the 2017-2021 period. This research method uses quantitative methods with associative properties. The population comes from Islamic commercial banks in Indonesia as many as 35 banks. The sample is determined based on purposive sampling techniques based on banks whose establishment is the result of the conversion of Conventional Commercial Banks and has been established for more than 5 years. The data analysis technique used is multiple linear regression. The results of this study show that the Capital Adequacy Ratio (CAR) variable has a significant positive effect on Return on Assets (ROA). Non-Performing Financing (NPF) variables have an insignificant negative effect on ROA. The variable Operating Expenses of Operating Income (BOPO) has a significant negative influence on Return on Assets (ROA). The implications of this study provide understanding for the public that allows them to invest in Islamic banking products by looking at the financial performance of Islamic banking
The Role of Islamic Banking Financing for Afforadable Housing in Realizing Sustainable Development: An Analytic Network Process (ANP) Method Ghoni, Muhammad Abdul; Maksum, Asep
Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2024): Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam (IAI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v12i1.520

Abstract

The government of the Republic of Indonesia is to provide appropriate affordable housing programs for low middle incomes. Based on the physical attributes and traditional social aspects of the low-middle income household, and social environment in the residential area, as well as their contribution to economic growth. This paper evaluates the level of prioritization of Islamic Banking Financing for affordable housing program of low-middle income families in Realizing Sustainable Development. Simultaneously, the research offers access to sustainability measurement of Islamic banking to finance affordable housing on both the social and environmental dimensions. This research utilizes An Analytic Network Process (ANP) Method to evaluate and select Sustainable Development Goal Ranking The results of this study are found that Sustainable Development Goal 8: Promote inclusive and sustainable economic growth, employment and decent work for all, is most important for Islamic banking financing for affordable housing program in Realizing sustainable Development comparing to the Sustainable Development Goals (SDGs) of goas number 9: Build resilient infrastructure, promote inclusive and sustainable industrialization and foster innovation, and Goal 11: Make cities and human settlements inclusive, safe, resilient and sustainable. Furthermore, according to the experts of Islamic Housing financing, the objective of Islamic banking financing for Affordable Housing In Realizing Sustainable Development are; to protect low-income people and people in vulnerable situations and reduce the risk for slum dwellers.
Analisis Business Model Canvas (BMC) Budidaya Pelet Maggot Black Soldier Fly (BSF) Maksum, Asep; Jumianto, Syafitri; Effendi, Yunus
Prosiding Seminar Nasional Pemberdayaan Masyarakat (SENDAMAS) Vol 4, No 1 (2024): Desember 2024
Publisher : UniversitasAl Azhar Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36722/psn.v4i1.3446

Abstract

Sampah organik adalah segala macam kotoran yang berasal dari sisa makhluk hidup yang mudah terurai secara alami dan bisa dikelola secara maksimal melalui inovasi green economy dengan tetap memperhatikan lingkungan yang memanfaatkan larva Maggot Black Soldier Fly (BSF). Yayasan Jam’iyyatul Mubtadi Cibayawak (JMC) merupakan yayasan yang bergerak dalam bidang pendidikan. Masalah yang timbul selama ini banyaknya sampah organik dari kegiatan santri dan masyarakat sekitar yang belum memanfaatkan sampah organik secara optimal. Pengolahan sampah organik dikemas dalam sebuah Business Model Canvas (BMC) yang memberikan secara detail potensi ekonomi budidaya pelet maggot di pesantren dengan menggambarkan sembilan blok model BMC. Metode penelitian yang digunakan adalah metode penelitian kualitatif deskriptif dengan memperoleh data melalui wawancara, dan observasi. Hasil penelitian menunjukan dari BMC yang dibuat bahwa budidaya pelet maggot BSF ini layak dilakukan karena mempunyai value proposition sebagai pengganti pakan ikan air tawar dengan komposisi nilai kandungan protein tinggi dengan harga yang murah. Secara nilai ekonomi, pembudidayaan pelet maggot BSF akan meningkatkan ekonomi pesantren dengan memperoleh laba usaha dengan margin kontribusi sebesar 48% untuk siklus produksi selama 30 hari.Kata Kunci - Budidaya Maggot; Business Model Canvas; Ekonomi Pesantren; Green Economy
THE STUDY ON ISLAMIC VALUES AND WOMEN ENTREPRENEURSHIP MSMES Maksum, Asep; Sevriana, Lufthia; Pratiwi, Anggun; Rahmi, Asri Noer
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.v11i1.63761

Abstract

This study investigates of Islamic values on the sustainability strategies of women-led, knowledge-based micro, small, and medium enterprises (MSMEs). Women entrepreneurs significantly contribute to community welfare, and to contextualize the analysis, this study employs a literature review approach by examining prior research on Islamic business ethics, gender dynamics in entrepreneurship, and sustainability practices in MSMEs. The review highlights how Islamic principles may serve as foundational values influencing sustainable business practices among women entrepreneurs. By using bibliometric analysis using data from the Scopus database spanning from 2005 to 2024. A total of 29 documents were initially identified using keywords related to Islamic values, women entrepreneurship, and MSMEs. The bibliometric data were analyzed using VOSviewer software to visualize publication trends, keyword networks, and research clusters in the field. Bibliometric analysis of 22 Scopus-indexed articles identified three dominant research clusters: Islamic ethics and gender identity, social capital and business knowledge, and community-based micro entrepreneurship. The Journal of Business Ethics was the most prominent outlet, and the most cited scholars were Essers & Benschop (2009). The results highlight a lack of empirical research connecting Islamic values with financial literacy and sustainability outcomes in women-led MSMEs. Islamic values, such as honesty, justice, and social responsibility, serve as ethical foundations for women entrepreneurs in Muslim contexts. Future studies should examine the link between Islamic womenpreneurs and financial literacy, particularly their engagement with Islamic microfinance. Additionally, exploring how cultural variations within Muslim societies influence women's entrepreneurial approaches would provide valuable insights.
THE PREDICTION OF FINANCIAL DISTRESS IN PROPERTY COMPANIES IN SOUTHEAST ASIAN: INDONESIA, SINGAPORE, AND MALAYSIA Ghoni, Muhammad Abdul; Maksum, Asep; Jaelani, Abdul Qadir; Yunus, Noor’ain Mohamad
Jurnal Ekonomi dan Bisnis Airlangga Vol. 35 No. 1 (2025): JURNAL EKONOMI DAN BISNIS AIRLANGGA
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jeba.V35I12025.129-146

Abstract

Introduction: This study aims to assess and evaluate the financial distress state of a sample including 204 data points from 35 enterprises in Southeast Asia, specifically Indonesia, Malaysia, and Singapore. Methods: This study analyzes the effects of Covid-19 on these enterprises, specifically concentrating on the likelihood of financial hardship as assessed by Edward Altman's Z-score model. Results: Evidence indicates that property businesses listed on the Indonesia, Malaysia, and Singapore Stock Exchanges had greater financial difficulties during the Covid-19 period compared to the post-Covid period, aligning with observations at the ASEA Landmark level. The projected likelihood of default for publicly traded enterprises rose significantly during the Covid pandemic. Conclusion and suggestion: The data reveal that the Z-score's efficacy in predicting bankruptcy markedly declined during the financial crisis. The data indicate that Covid-19 is causing financial pain to enterprises in Southeast Asia.
UTILIZATION OF THE ACTIVITIY BASED COSTING (ABC) SYSTEM IN DETERMINING OVERCOSTING OR UNDERCOSTING TUITION FEES Maksum, Asep
Jurnal Ilmiah Bisnis dan Ekonomi Asia Vol 18 No 1 (2024): Jurnal Ilmiah Bisnis dan Ekonomi Asia
Publisher : Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jibeka.v18i1.1395

Abstract

This study aims to identify the application of the Activity Based Costing (ABC) system in Private Universities in determining the cost of goods for the study program. The main focus of this study is to identify the activities of primary and secondary study programs to determine cost drivers and determine the rates of each of these activities. The research method through case studies by conducting quantitative descriptive analysis is collecting data, compiling data, classifying data and deciphering data. The source of the data came from interviews and observation of financial statement documents with samples at XYZ University. The calculation results obtained the conclusion that several social and economic study programs at XYZ University were in over costing and some exact study programs were under costing conditions. The implications of the results of this study provide input for XYZ University in developing an Activity Based Management (ABM) system as a process of continuous improvement in improving the quality of education.
Tingkat Literasi Keuangan Syariah Generasi Milenial Di Daerah Khusus Ibu Kota Jakarta Wardani, Dinda Sukma; Maksum, Asep
Jurnal Al Azhar Indonesia Seri Ilmu Sosial Vol 4, No 1 (2023): Februari 2023
Publisher : Universitas Al Azhar Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36722/jaiss.v4i1.1411

Abstract

Penelitian ini bertujuan untuk mengetahui tingkat literasi keuangan syariah masyarakat generasi milenial di DKI Jakarta. Penelitian ini menggunakan teknik analisis deskriptif kuantitatif. Jenis data yang digunakan dalam penelitian ini adalah data primer. Data primer diperoleh langsung dari hasil penelitian lapangan dengan membagikan kuesioner kepada masyarakat generasi milenial di DKI Jakarta. Jumlah responden yang diperoleh pada penelitian ini berjumlah 400 responden generasi milenial di DKI Jakarta. Pada penelitian ini terdapat 4 variabel yaitu pengetahuan dasar keuangan syariah, perbankan syariah, asuransi syariah dan pasar modal syariah. Hasil penelitian ini menunjukkan bahwa literasi keuangan syariah berdasarkan variabel pengetahuan dasar keuangan syariah sebesar 82,88% (kategori tinggi), variabel perbankan syariah sebesar 58,58% (kategori rendah), variabel asuransi syariah sebesar 62,94% (kategori sedang) dan variabel pasar modal syariah sebesar 68,80% (kategori sedang). Hasil penelitian ini menunjukkan bahwa literasi keuangan syariah masyarakat generasi milenial di DKI Jakarta secara keseluruhan berdasarkan 4 variabel sebesar 68,38% dan tergolong kedalam kategori sedang (60-79%).Kata kunci: Keuangan Syariah, Perbankan Syariah, Asuransi Syariah, Pasar Modal Syariah
Efektivitas Modul Nusantara dalam Memahami Empat Pilar Kebangsaan Jumansyah, Jumansyah; Palupi, Ade; Hadi, Kuncoro; Syafei, Ade Wirman; Maksum, Asep; Zulkarnain, February Leonardo
Jurnal Al Azhar Indonesia Seri Ilmu Sosial Vol 3, No 1 (2022): Februari 2022
Publisher : Universitas Al Azhar Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36722/jaiss.v3i1.1023

Abstract

Penelitian ini bertujuan mengevaluasi keefektifan Modul Nusantara dalam memahami empat pilar kebangsaan; mengevaluasi keefektifan kegiatan kebhinnekaan, refleksi, inspirasi dan konstribusi sosial dalam mencapai tujuan pembelajaran Modul Nusantara; dan menilai kepuasan mahasiswa yang mengikuti Modul Nusantara. Metode yang digunakan untuk mencapai tujuan penelitian adalah menggunakan instrumen survei kuesioner yang dibagikan kepada mahasiswa Modul Nusantara dengan menggunakan pertanyaan tertutup dan terbuka. Selain itu, penelitian juga mengadakan FGD untuk memperdalam dan mengkonfirmasi jawaban dari survei kuesioner. Hasil penelitian menunjukkan bahwa perkuliahan Modul Nusantara telah efektif dalam meningkatkan pemahaman empat pilar kebangsaan. Mahasiswa merasa lebih memiliki sikap nasionalisme, toleransi, kebhinnekaan, kekeluargaan dan berjiwa sosial serta jiwa kepemimpinan setelah mengikuti perkuliahan Modul Nusantara. Sikap-sikap tersebut dikembangkan oleh mahasiswa melalui proses pembelajaran yang tidak bersifat ceramah namun melalui proses pembelajaran alternatif dimana mahasiswa belajar mandiri melalui pengalaman-pengalaman menarik dan menyenangkan. Dengan demikian modul nusantara bisa mengembangkan sikap pancasilais, persatuan Indonesia, kebhinnekaan, cinta tanah air mahasiswa dimana sikap-sikap ini sangat bernilai tinggi untuk menjaga Negara Kesatuan Republik Indonesia.Kata kunci: Modul Nusantara, MBKM, Empat Pilar Kebangsaan, Pancasila, Kebhinnekaan
Pemberdayaan Masyarakat Melalui Pelatihan Pembuatan Usaha Donat Singkong di Kampung Cahaya Setiabudi, Jakarta Selatan Maksum, Asep; Arsyad, Aisyah; Amarasuli, Diaz; Permana, Adli Faritz Muzakki
Jurnal Pemberdayaan Masyarakat Universitas Al Azhar Indonesia Vol 6, No 1 (2023): Desember 2023
Publisher : Universitas Al Azhar Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36722/jpm.v6i1.2696

Abstract

Ibu-ibu di Kampung Cahaya, Jakarta merupakan kaum marginal yang tidak mempunyai penghasilan tetap dan rentan terhadap kemiskinan. Lokasi Kampung Cahaya berada di sekitar perkantoran Kasablanka dengan banyak karyawan yang membutuhkan makanan untuk jajanan atau cemilan. Pengabdian masyarakat ini bertujuan untuk memberdayakan Ibu-Ibu Kampung Cahaya dengan melatih pembuatan, pemasaran dan analisis usaha donat singkong. Inovasi dalam bahan baku pembuatan produk donat telah banyak dilakukan oleh masyarakat. Singkong adalah jenis tumbuhan umbi-umbian yang banyak dijual di pasar daerah Jakarta. Pengolahan donat dari singkong merupakan inovasi produk sebagai bahan pengganti tepung terigu yang mengandung gluten. Usaha donat berbahan singkong masih jarang dilakukan oleh para usaha sejenis dalam makanan. Metode yang digunakan dalam kegiatan pengabdian masyarakat ini adalah melalui sosialisasi produk donat singkong dan potensi usahanya. Selain itu dilakukan pelatihan pembuatan produk, dan teknik pemasaran melalui Whatsapp, serta pendampingan dalam usaha donat. Hasil yang didapatkan kegiatan pengabdian masyarakat ini memberikan manfaat bagi Ibu-Ibu untuk membuat usaha donat singkong secara berkelanjutan dengan sistem pre-order dari warga sekitar.Kata kunci: Donat Singkong, Teknik Pengolahan Singkong, Analisis Usaha. 
Co-Authors Ade Palupi Aisyah Arsyad, Aisyah Amarasuli, Diaz Anggun Pratiwi Ghoni, Muhammad Abdul Jaelani, Abdul Qadir Jumansyah, Jumansyah Kuncoro Hadi Lufthia Sevriana Muhammad Anhar Ramdhani Permana, Adli Faritz Muzakki Rahmi, Asri Noer Syafei, Ade Wirman Syafitri Jumianto, Syafitri Wardani, Dinda Sukma Yunus Effendi Yunus, Noor’ain Mohamad Zulkarnain, February Leonardo