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All Journal Jurnal Ilmiah Econosains Jurnal Ecodemica : Jurnal Ekonomi Manajemen dan Bisnis Jurnal Pemberdayaan Masyarakat Madani (JPMM) JURNAL SYARIKAH : JURNAL EKONOMI ISLAM JURNAL VISIONIDA IKRA-ITH EKONOMIKA Ekonomi dan Bisnis EAJ (ECONOMICS AND ACCOUNTING JOURNAL) Etihad: Journal of Islamic Banking and Finance Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan Bussman Journal : Indonesian Journal of Business and Management Islamic Economics and Business Review (IESBIR) International Journal of Emerging Issues in Islamic Studies IIJSE Veteran Economics, Management & Accounting Review Equity Jurnal Pengabdian Masyarakat Inovasi Indonesia
Mira Rahmi
Universitas Pembangunan Nasional Veteran Jakarta
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Spin Off Asuransi Syariah di Indonesia: Kajian Efisiensi dan Kinerja Keuangan Mira Rahmi; Tri Siswantini
Islamic Economics and Business Review Vol 4 No 1 (2025): IESBIR, June 2025
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59580/iesbir.v4i1.11863

Abstract

Abstract This study aims to evaluate the effectiveness of the spin-off policy for sharia business units (UUS) in Indonesia’s Islamic insurance industry, focusing on operational efficiency and financial performance. Using a literature review with a descriptive qualitative approach, the study examines academic sources, regulatory frameworks, and industry reports from the past decade. Findings indicate that the spin-off policy is intended to enhance the independence, efficiency, and growth of the Islamic insurance sector by improving governance, fostering product innovation, and increasing corporate competitiveness. However, implementation in practice faces significant challenges, including high transaction costs, substantial capital requirements, organizational restructuring, and the limited readiness of human and managerial resources. The impact of spin-offs on efficiency and financial performance varies widely, depending on institutional preparedness, parent company support, and the strategies adopted. To fully realize the benefits of spin-offs, careful planning, strong governance, and the development of skilled human resources in the sharia sector are essential, enabling companies to evolve into healthy and competitive independent entities within the national insurance landscape. Keywords: Islamic insurance; efficiency; financial performance; spin off   Abstrak Penelitian ini bertujuan untuk mengevaluasi efektivitas kebijakan spin off unit usaha syariah (UUS) dalam industri asuransi syariah di Indonesia, khususnya dari aspek efisiensi operasional dan kinerja keuangan. Studi ini menggunakan metode literature review dengan pendekatan kualitatif deskriptif, mengkaji berbagai referensi akademik, regulasi, dan laporan industri selama sepuluh tahun terakhir. Hasil kajian menunjukkan bahwa kebijakan spin off diharapkan dapat memperkuat kemandirian, efisiensi, dan pertumbuhan industri asuransi syariah melalui peningkatan tata kelola, inovasi produk, dan daya saing perusahaan. Namun, implementasi spin off di lapangan masih menghadapi tantangan besar, seperti tingginya biaya transaksi, kebutuhan modal, restrukturisasi organisasi, serta ketidaksiapan sumber daya manusia dan manajemen untuk beroperasi secara independen. Dampak spin off terhadap efisiensi dan kinerja keuangan perusahaan asuransi syariah terbukti beragam, sangat dipengaruhi oleh kesiapan institusi, dukungan induk, dan strategi adaptasi yang dijalankan. Untuk mengoptimalkan manfaat spin off, diperlukan perencanaan matang, penguatan tata kelola, serta pengembangan SDM yang kompeten di bidang syariah, sehingga perusahaan dapat bertransformasi menjadi entitas mandiri yang sehat dan kompetitif di industri asuransi nasional. Kata kunci: asuransi syariah; efisiensi; kinerja keuangan; spin off
HOW DOES CONSUMER ACCEPTANCE AFFECT PURCHASE INTENTION OF NEW PRODUCTS? Rahmi, Mira; Hurriyanti, Ratih; Dirgantari, Puspo Dewi; Silalahi, Ira Valentina
EAJ (Economic and Accounting Journal) Vol. 4 No. 3 (2021): EAJ (Economic and Accounting Journal)
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/eaj.v4i3.y2021.p214-226

Abstract

The rapid competition in the instant noodle food industry in Indonesia makes it difficult for new instant noodle products to enter the market. This study aims to analyze consumer acceptance of new products that affect purchase intentions. consumer innovation and consumer preferences are used to describe consumer acceptance of new instant noodle products. The method used in this study is a quantitative online questionnaire that collects data from 135 potential customers as instant noodle buyers. Regression analysis was used to analyze consumer acceptance as proxied by consumer innovation, quality and nutrition innovation, convenience, and marketing efforts. The results of this study indicate that consumer innovation, convenience, and marketing efforts, all three are said to have an influence on new product purchase intentions. Meanwhile, nutritional quality and innovation are said to have no effect. It is hoped that the results of this research can be used to contribute to the development of marketing concepts for new products on the market.
The Analysis of Factors Influencing Decisions on The Use of Sharia Banking in Generation Z in Jakarta Mahesazzumar, Radja Rabbani; Rahmi, Mira
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 2 (2022): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v5i2.2124

Abstract

Islamic banking is currently growing and continues to have positive growth in recent times. Although the development is very rapid, it is still quite difficult for Islamic banking to compete with conventional banking. The study aimed to analyze the effect of the variables of religiosity, reputation, and location on the decision of Generation Z to use Islamic banking, especially in Jakarta. The data collection technique used a purposive sampling technique with 91 Islamic bank customers. The data analysis technique with SmartPLS 3.2 software. The results of the study are as follows (1) The religious variables have an insignificant effect on the decision to use Islamic banks, (2) the reputation variable has a significant effect on the decision to use Islamic banks, and (3) the location variable has a significant effect on the decision to use Islamic banks. The limitations of the study where the researcher only uses three independent variables and relatively small because it is only Generation Z in Jakarta. Hopefully, the research will be helpful for Islamic banking to take action to continue to improve its reputation and increase the distribution of bank locations to reach more people.
Pemberdayaan Ekonomi Pesantren Melalui Peluang Usaha Minuman Kesehatan Yayasan Fatahillah Jawa Barat Rahmi, Mira; Pusporini, Pusporini; Fathoni, Muhammad Anwar
Jurnal Pengabdian Masyarakat Inovasi Indonesia Vol 2 No 1 (2024): JPMII - Februari 2024
Publisher : CV Firmos

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54082/jpmii.348

Abstract

Pesantren merupakan lembaga pendidikan yang bersifat mandiri dan tidak bergantung pada pihak manapun. Dengan sifat kemandiriannya inilah pesantren bisa memegang teguh kemurniannya sebagai lembaga pendidikan Islam. Selain menjadi pusat pendalaman ilmu agama, pesantren juga memiliki potensi dalam pengembangan ekonomi. Prospek pasar jamu semakin meluas seperti café dan hotel yang sudah menyajikan jamu, dan juga sebagai souvenir acara. Ditambah akibat adanya pandemic covid-19, masyarakat yang sudah mulai sadar akan pentingnya menjaga stamina tubuh agar tidak mudah terpapar virus mulai melirik jamu untuk menjaga staminanya. Pelaku abdimas melihat industri jamu berpotensi dalam pemberdayaan pesantren untuk meningkatkan ekonominya. Oleh karena itu diperlukan pelaksanaan Program Kemitraan Masyarakat (PKM) dalam mempersiapkan Yayasan Fatahillah Jawa Barat untuk mencetak SDM, dengan melakukan pendampingan membuat produk jamu yang mempunyai nilai ekonomis sehingga dapat dipasarkan untuk meningkatkan pemberdayaan bagi Yayasan itu sendiri serta menjadi bekal skill bagi anak didiknya. Hasil dari pengabdian masyarakat ini sangat berkontribusi pada peningkatan pemahaman dan pelatihan terkait proses pembuatan produk minuman jamu, ini terlihat dari hasil kuesioner mengenai tingkat pemahaman materi serta motivasi berwirausaha yang mencapai diatas 50%.
Millennial Generation Intentions in The Islamic Capital Market Mira Rahmi; Dienni R Sholihah; Anita Nopiyanti
International Journal of Emerging Issues in Islamic Studies Vol. 3 No. 1 (2023): July 2023
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijeiis.v3i1.1351

Abstract

The millennial generation has great potential for capital market growth. However, the opportunity for the millennial generation to be able to invest in the Islamic capital market still needs to be investigated further. Therefore, to understand this issue, the unique characteristics of the millennial generation, such as understanding financial literacy, ease of access, and religiosity, are used as research variables in this study. As well as additional variables, namely lifestyle as a moderating variable and Islamic branding as an intervening variable related to the halal industry which will be used as a determining factor for millennial generation intentions in the Islamic Capital Market. The research method uses a descriptive method with a quantitative approach. The sampling technique used stratified random sampling, with the sample criteria being the millennial generation aged between 17-35 years, earning or having monthly money, and domiciled in the Jakarta area. The analysis technique uses multiple regression analysis to examine the relationship between research variables. By using primary data through questionnaires, 207 respondents were obtained. The results showed that the variables of financial literacy, ease of access, religiosity, and Islamic branding as intervening affected the millennial generation's investment intention, but lifestyle variables did not strengthen or weaken the financial literacy variable on investment intentions. The object of this research is limited to the millennial generation who live in Jakarta, so further research is needed for a broader millennial generation object. 
ANALISIS KLAIM PASIEN COVID-19 PADA PRODUK MiSMART HEALTH CARE SYARIAH MANULIFE INDONESIA Annisya Nuriva Handayani; Mira Rahmi
Veteran Economics, Management, & Accounting Review Vol 1 No 1 (2022)
Publisher : Fakultas Ekonomi Dan Bisnis, Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59664/vemar.v1i1.4828

Abstract

MiSmart Health Care Syariah product claims have 4 stages, namely notification, proof of documents, investigation, and payment of claims. The implementation of Covid-19 patient claims on MiSmart Health Care Syariah products is also in accordance with Fatwa No.21/DSN-MUI/X/2001, namely Claims are paid according to the amount agreed at the beginning of the contract, Manulife Indonesia pays claims according to the premium amount, Manulife Indonesia is located as a fund manager (mudharib) for premiums paid by insurance participants while the customer is the owner of the money (shohibul mal) and fulfills its obligations by approving every claim submitted by the customer in accordance with the provisions of the policy, while according to POJK No.69/POJK.05 /2016, namely Manulife Indonesia makes payment of claims for Covid-19 patients in no more than 14 days, in collaboration with Admedika as an assessor and investigation of claims administration, submission of proof of claim documents in accordance with existing regulations and payment of claims will be made by the finance department of Manulife Indonesia.  Keywords: Claims; Covid-19; Sharia Insurance AbstrakKlaim produk MiSmart Health Care Syariah terdapat 4 tahap, yaitu pemberitahuan, bukti dokumen, penyelidikan, dan pembayaran klaim. Pelaksanaan klaim pasien Covid-19 pada produk MiSmart Health Care Syariah juga telah sesuai dengan Fatwa No.21/DSN-MUI/X/2001, yaitu klaim dibayarkan sesuai dengan jumlah yang disepakati dalam awal akad, Manulife Indonesia membayarkan klaim sesuai dengan besaran premi, Manulife Indonesia berkedudukan sebagai pengelola dana (mudharib) atas uang premi yang dibayarkan peserta asuransi sementara nasabah berkedudukan sebagai pemilik uang (shohibul mal) dan memenuhi kewajibannya dengan menyetujui setiap klaim yang diajukan nasabah sesuai dengan ketentuan polis, sedangkan menurut POJK No.69/POJK.05/2016 yaitu Manulife Indonesia melakukan pembayaran klaim pasien Covid-19 tidak lebih dari 14 hari, bekerjasama dengan Admedika sebagai penilai dan penyelidikan administrasi klaim, penyerahan bukti dokumen klaim sesuai ketentuan yang ada dan Pembayaran klaim akan dilakukan oleh bagian keuangan dari pihak Manulife Indonesia.Kata Kunci: Asuransi Syariah; Covid-19; Klaim.
INFLASI, HARGA EMAS, JUMLAH NASABAH, PENDAPATAN USAHA, DAN PENYALURAN PEMBIAYAAN RAHN Bilqis Nabilah; Mira Rahmi
Veteran Economics, Management, & Accounting Review Vol 1 No 2 (2023)
Publisher : Fakultas Ekonomi Dan Bisnis, Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59664/vemar.v1i2.5711

Abstract

The development of Rahn's financing distribution is still quite low compared to KCA financing at PT. Pegadaian. Of course there are internal and external factors that will affect the amount of the financing distribution. The purpose of this study was to analyze the effect of inflation, gold prices, number of customers, and operating income on the distribution of Rahn's financing at PT. Pegadaian period 2016-2020. Quantitative research approach with secondary data using multiple linear regression analysis method. The results of this study are the influence of the independent variables simultaneously on the distribution of Rahn's financing. However, in a partial test, only the Gold Price, Number of Customers, and Operating Income factors have a significant influence on the distribution of Rahn's financing, while the inflation factor does not have a significant effect on the distribution of Rahn's financing. The results of this study are expected to provide benefits based on existing information in order to design new strategies, so that the distribution of Rahn increases Keywords: Gold Price; Inflation; Number of Customers; Operating Income; Rahn
NILAI TUKAR MEMODERASI RASIO KEUANGAN DALAM MENSTIMULUS RETURN SAHAM SYARIAH Farhan Fadlirahman; Mira Rahmi
Veteran Economics, Management, & Accounting Review Vol 2 No 2 (2024)
Publisher : Fakultas Ekonomi Dan Bisnis, Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59664/vemar.v2i2.6245

Abstract

Tujuan dari penelitian ini untuk mengetahui bagaimana pengaruh Current Ratio (CR), Return on Assets (ROA), dan Debt to Equity Ratio (DER) terhadap return saham syariah dan nilai tukar sebagai variabel moderating. Penelitian ini menggunakan teknik purposive sampling pada perusahaan pertambangan yang terdapat pada index JII periode 2012–2021 dan didapatkan sebanyak 5 sampel perusahaan. Analisis data menggunakan regresi linier berganda. Hasil penelitian menunjukkan secara parsial Current Ratio, Return on Assets, dan Debt to Equity Ratio tidak berpengaruh signifikan terhadap return saham. Hasil penelitian juga menunjukkan nilai tukar dapat memoderasi pengaruh Current Ratio, Return on Assets, dan Debt to Equity Ratio terhadap Return Saham. Keterbatasan dalam penelitian ini adalah hanya menggunakan sampel penelitian terbatas hanya pada sektor pertambangan yang tercatat di JII, hanya 5 dari 6 populasi yang dijadikan sampel penelitian, dan variabel penelitan yang terlalu umum diketahui oleh investor. Bagi penelitian selanjutnya, diharapkan dapat menambahkan variabel independen lainnya dan menambahkan variabel makroekonomi yang lain sebagai variabel moderasi. Kata Kunci: Current Ratio, Return on Assets, Debt to Equity Ratio, nilai tukar The purpose of this study is to find out how the influence of Current Ratio (CR), Return on Assets (ROA), and Debt to Equity Ratio (DER) on Islamic stock returns and exchange rates as a moderating variable. This study used a purposive sampling technique for mining companies listed on the JII index for the 2012–2021 period and obtained a total of 5 sample companies. Data analysis using multiple linear regression. The results showed that partially Current Ratio, Return on Assets, and Debt to Equity Ratio did not have a significant effect on stock returns. The results of the study also show that exchange rates can moderate the effect of Current Ratio, Return on Assets, and Debt to Equity Ratio on Stock Returns. The limitations in this study are that it only uses research samples that are limited to the mining sector recorded on JII, only 5 out of 6 populations are used as research samples, and research variables that are too commonly known by investors. For further research, it is expected to be able to add other independent variables and add other macroeconomic variables as moderating variables. Keywords: Current Ratio, Return on Assets, Debt to Equity Ratio, exchange rate
KEKUATAN KINERJA KEUANGAN DALAM MENINGKATKAN HARGA SAHAM SYARIAH Ahmad Muzaqi Mu'min; Mira Rahmi
Veteran Economics, Management, & Accounting Review Vol 2 No 1 (2023)
Publisher : Fakultas Ekonomi Dan Bisnis, Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59664/vemar.v2i1.6246

Abstract

This study aims to analyze how much influence ROE, EPS, and PER have on Islamic stock prices with inflation as a moderating variable. This research method is quantitative using secondary data and panel data regression analysis method. The research findings confirm that ROE and PER have a significant effect on stock prices directly, while EPS does not have a significant effect on stock prices directly. To test inflation as a moderation is not able to moderate the relationship between the ROE, EPS, and PER variables indirectly. For further research it is recommended to use the addition of independent variables other than those used in this study, as well as taking other population and sector samples. Keywords: efficiency of corporate tax burden; the role of a tax consultant; tax management   Abstrak Suatu pilihan untuk masyarakat untuk berinvestasi pada pasar modal, salah satunya Investasi saham pada pasar modal syariah merupakan pilihan yang sangat membantu untuk kaum muslim diantara pasar modal lain yang tidak terjamin perputaran keuangannya dalam syariat islam. Selain itu, untuk menjamin keuntungan yang akan didapatkan, perlunya analisis dalam melihat bagaimana kinerja keuangan perusahaan mempengaruhi harga sahamnya. Penelitian ini bertujuan untuk menganalisis seberapa besar pengaruh yang dihasilkan ROE, EPS, dan PER terhadap Harga Saham Syariah dengan Inflasi sebagai variabel moderasi. Metode penelitian ini adalah kuantitatif dengan menggunakan data sekunder dan metode analisis regresi data panel. Temuan penelitian mengkonfirmasi bahwa ROE dan PER memiliki pengaruh signifikan terhadah harga saham secara langsung, sementara EPS tidak berpengaruh signifikan terhadap harga saham secara langsung. Untuk pengujian inflasi sebagai moderasi tidak mampu memoderasi hubungan antara variabel ROE, EPS, dan PER secara tidak langsung. Bagi penelitian selanjutnya disarankan untuk menggunakan penambahan variabel-variabel independent selain yang digunakan pada penelitian ini, serta mengambil populasi dan sampel sektor lain. Kata Kunci: ROE, EPS, PER, harga saham, inflasi   Abstract  An option for people to invest in the capital market, one of which is investing in shares in the Islamic capital market is a very helpful option for Muslims among other capital markets whose financial turnover is not guaranteed in Islamic law. In addition, to guarantee the benefits that will be obtained, an analysis is needed to see how the company's financial performance affects its share price. This study aims to analyze how much influence ROE, EPS, and PER have on Islamic stock prices with inflation as a moderating variable. This research method is quantitative using secondary data and panel data regression analysis method. The research findings confirm that ROE and PER have a significant effect on stock prices directly, while EPS does not have a significant effect on stock prices directly. To test inflation as a moderation is not able to moderate the relationship between the ROE, EPS, and PER variables indirectly. For further research it is recommended to use the addition of independent variables other than those used in this study, as well as taking other population and sector samples.  Keywords: ROE, EPS, PER, stock prices, inflation
REAKSI PASAR MODAL SYARIAH AKIBAT PERANG RUSIA-UKRAINA Muhammad Izzuddin Al-Fathi Basit; Mira Rahmi
Veteran Economics, Management, & Accounting Review Vol 2 No 1 (2023)
Publisher : Fakultas Ekonomi Dan Bisnis, Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59664/vemar.v2i1.6277

Abstract

The conflict between Russia and Ukraine has significant implications for the global economy due to indications of rising prices of various commodities such as gasoline and coal. The purpose of this study is to determine the difference in the ratio of abnormal return, return security variability, and trading volume activity before and after the Russian invasion of Ukraine on the ISSI index. Event study is the research methodology used. Wilcoxon signed rank and paired sample t-test with an observation period of 15 days were used as analysis techniques in this study. The data showed that the abnormal rate of return and variability return of the securities were the same before and after the Russian invasion of Ukraine, but there were changes in trading volume between the two times. Keywords: Abnormal Return; Trading Volume Activity; Security Return Variability   Abstrak Konflik antara Rusia dan Ukraina memiliki implikasi yang cukup signifikan terhadap perekonomian global karena adanya indikasi kenaikan harga berbagai komoditas seperti bensin dan batu bara. Tujuan dari penelitian ini adalah untuk mengetahui perbedaan rasio abnormal return, return security variability, dan trading volume activity sebelum dan sesudah invasi Rusia ke Ukraina pada indeks ISSI. Studi peristiwa adalah metodologi penelitian yang digunakan. Wilcoxon signed rank dan paired sample t-test dengan periode pengamatan 15 hari digunakan sebagai teknik analisis dalam penelitian ini. Data menunjukkan bahwa tingkat pengembalian tak normal dan pengembalian variabilitas sekuritas sama sebelum dan sesudah invasi Rusia ke Ukraina, tetapi ada perubahan dalam volume perdagangan di antara kedua waktu tersebut. Kata Kunci: pengembalian tak normal, volume perdagangan, pengembalian variabilitas sekuritas
Co-Authors Ahmad Muzaqi Mu'min Akhira Yuliana Anggi Angga Resti Anisa Husna Adinta Anita Nopiyanti Annisya Nuriva Handayani Bilqis Nabilah Dienni R Sholihah Dienni Ruhjatini Sholihah Fadlillah, Alnisa Min Farhan Fadlirahman Fathoni, Muhammad Anwar Hurriyanti, Ratih Ira Valentina Silalahi Jenji Gunaedi Argo Maharani, Renita Mahesazzumar, Radja Rabbani Mochammad Imron Awalludin Muhammad Izzuddin Al-Fathi Basit Puspo Dewi Dirgantari Pusporini, Pusporini Putri Anggraeni Putri Ramadhani, Putri Ratih Hurriyanti Ratna Sari Renny Husniati Rizky Syachlan Pratama Sari, Retna Sholikha, Amaliyah Silalahi, Ira Valentina Subur Sufyati HS Suharyati Suharyati Susi Indriani Tati Handayani Toni Priyanto, Toni Tri Siswantini Trisiladi Supriyanto, Trisiladi Tsaniya Al-Labiyah, andira Valzsa, Teuku Zadhe Yulianti, Velia Dwi