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Pengaruh Literasi Keuangan Syariah, Financial Efficacy, Financial Attitude, Financial Behavior Terhadap Kepuasan Finansial Uni Sasti Hadiah; Esy Nur Aisyah
Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri Vol. 7 No. 2 (2022): September 2022
Publisher : Fakultas Ekonomi Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30737/ekonika.v7i2.2965

Abstract

This study discusses the influence of Islamic Financial Literacy, Financial Efficacy, Financial Attitude, Financial Behavior on Financial Satisfaction in Economics Faculty Students of UIN Maulana Malik Ibrahim Malang with the number of respondents to be analyzed as many as 95 students. Researchers used multiple linear regression analysis which was carried out using SPSS.20 software. With the conclusion, in this study the results showed that simultaneously Islamic financial literacy, financial efficacy, financial attitude, financial behavior had an effect on financial satisfaction. Partially, Islamic financial literacy, financial attitude, and financial behavior have an influence on financial satisfaction, while financial efficacy has no effect on financial satisfaction.
Optimalisasi Wisata Belanja pada Kampung UKM Diah Ayu Septi Fauji; Budi Utami; Dewi Nurjannah; Erna Retno Rahadjeng; Esy Nur Aisyah; Ega Saiful Subhan; Fadali Rahman; Ismayantika Dyah Puspasari; Lina Saptaria; Mahmud Mahmud; Imam Mukhlis; Budi Eko Soetjipto
Kontribusi: Jurnal Penelitian dan Pengabdian Kepada Masyarakat Vol. 3 No. 2 (2023): Mei 2023
Publisher : Cipta Media Harmoni

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53624/kontribusi.v3i2.204

Abstract

Wilayah Junrejo ini merupakan wilayah dengan banyak potensi UKM. Hampir setiap rumah memiliki usaha diantaranya adalah usaha peralatan dapur dari kayu, alat pijat dari kayu, peralatan dapur dari batu, aneka kripik buah, tas anyaman. Untuk dapat mengoptimalkan potensi yang ada, maka dirasa perlu untuk adanya pengembangan potensi desa menjadi desa wisata belanja Junrejo. Pengabdian ini menggunakan metode demonstrasi eksperimen. Strategi optimalisasi ini dapat dimulai dengan perencanaan partisipatif warga dan menerapkan model pengembangan berbasis kelompok. Oleh karenanya, tim pengabdian dari Universitas Negeri Malang, menginisiasi untuk mengoptimalisasi wisata belanja dengan memberikan contoh paket wisata belanja. Hasil yang akan didapatkan yaitu kelompok dapat menjual paket wisata belanja dengan nominal tertentu dan fasilitas tertentu.
Analisis Tingkat Kreativitas Wirausaha Mahasiswa Melalui Program Komunitas Entrepreneur Esy Nur Aisyah
IQTISHODUNA IQTISHODUNA (VOL.17, No.1, 2021)
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (688.649 KB) | DOI: 10.18860/iq.v17i1.7949

Abstract

This research is motivated by the Entrepreneur Community Program's existence as support for entrepreneurship courses in the Islamic Banking Department, Faculty of Economics, UIN Maulana Malik Ibrahim Malang to produce graduates who have high selling value, entrepreneurship, and creativity to be able to compete. The learning approach in the program is Project-Based Learning. This study aimed to analyze the level of student creativity before and after participating in the Entrepreneur Community Program. The number of participants was 75 students from the concentration of entrepreneurs in the observation year. Data analysis used nonparametric statistics with Paired-Samples T-Test in testing the creativity of the respondent level before and after treatment and assessing the creativity level of students based on the results of the creativity score generated from the total score filled by respondents divided by the total maximum score of each statement and outlined in the form proportion. The breakthrough research results showed that there were differences in the level of students before and after treatment. The treatment here means that students take part in the entrepreneurial community program with Project-Based Learning. They increased student creativity from 70% to 83%. The level of student creativity before treatment was in the medium category. Moreover, after getting the treatment is in the high category. Thus, project-based learning through the Entrepreneur Community Program in Islamic Banking Department, Faculty of Economics can increase student entrepreneurial creativity.
The Implementation of Telemarketing Strategy on Refinancing Products in Bank Panin Dubai Syariah Malang Esy Nur Aisyah
Al-Muhasib: Journal of Islamic Accounting and Finance Vol. 3 No. 2 (2023)
Publisher : Department of Islamic Accounting, The Faculty of Islamic Economics and Business, State Islamic Institute of Kediri [IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/almuhasib.v3i2.1065

Abstract

This study aims to find out how Bank Panin Dubai Syariah Malang Branch formulates telemarketing strategies to determine which customers have the potential to refinance by looking at existing customer data. Islamic banking must have an effective, efficient, and measurable marketing strategy to dominate market segments and have appeal to consumers, and compete with other banks including conventional banks. The methodology used in this study was qualitative and used observation and interview methods to obtain data. The results showed that Telemarketing is a method of marketing over the phone to increase customers. Telemarketing in providing financing products to customers at Bank Panin Dubai Syariah is carried out with the provisions set by the Head Office of Bank Panin Dubai. With this type of Outbound Telemarketing, a long-term relationship with the consumer or customer increases value for both parties. Refinancing through Telemarketing may be binding under an oral agreement.
Formulation of Empowering Poor Women with Pro-Poor Capacity Improvement Model Esy Nur Aisyah
Engagement: Jurnal Pengabdian Kepada Masyarakat Vol 5 No 2 (2021): November 2021
Publisher : Asosiasi Dosen Pengembang Masyarajat (ADPEMAS) Forum Komunikasi Dosen Peneliti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/engagement.v5i2.589

Abstract

There are several reasons that lead to the importance of implementing a gender-oriented poverty alleviation program, one of which is that it can stimulate the emergence of empowerment. So the purpose of this research is to formulate the empowerment of poor women with the Pro-poor Capacity Improvement model in an effort to alleviate poverty in rural areas. The formulation of the model is based on the analysis of potentials, barriers, opportunities, threats, and policies in empowering poor women. Research in Gadingkulon Village, Dau District, Malang Regency was carried out through questionnaires, in-depth interviews, observations, Focus Group Discussions (FGD), and literature studies. The first stage uses quantitative analysis to present the frequency table, and the second stage uses qualitative analysis in gender analysis by Sara Longwee. This research resulted in a model for empowering poor women, which was designed in the Pro-poor Capacity Improvement ((PCIM) model which consisted of several components in the model in order to improve family welfare. These components consisted of the results of an analysis of potential, opportunities, obstacles, intervention in entrepreneurship, and welfare.The formulation of empowerment of poor women in Gadingkulon Village can be implemented in poverty alleviation efforts.
Komparasi Tingkat Kesehatan Bank Syariah dan Bank Konvensional dengan Pendekatan Risiko Fahmi Alif Firmansyah; Esy Nur Aisyah
Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 4 (December 2023)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v5i4.717

Abstract

This research aims to find out how the health level of Sharia Banks and Conventional Banks compares using the Risk-Based Bank Rating (RBBR) method. This research is quantitative research with comparative methods. This research data uses secondary data taken from the Bank Indonesia website. This research data analysis uses comparative quantitative statistics. The total sample is 10 banks consisting of 5 sharia banks and 5 conventional banks. The research results show that there is a significant (real) difference between the average value of credit risk in Islamic banks and conventional banks. There is no significant (real) difference between the average value of liquidity risk in Islamic banks and conventional banks. There is a significant (real) difference between the average Return on Asset (ROA) value for Islamic banks and conventional banks. There is no significant (real) difference between the average Net Interest Margin (NIM) value of Islamic banks and conventional banks. There is a significant (real) difference between the average Capital Adequacy Ratio (CAR) value for Islamic banks and conventional banks.
Evidence of Moderation Maqashid Sharia : Financial Performance, Islamic Social Reporting and The Value of the Company Rismayanti, Dwi; Aisyah, Esy Nur
Perisai : Islamic Banking and Finance Journal Vol 7 No 1 (2023): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i1.1659

Abstract

Firm value influences investor perceptions to support the company's sustainability. The study aimed to analyze the effect of financial performance and islamic social reporting on firm value and the role of the maqashid sharia index in moderating financial performance and islamic social reporting on the company value of Islamic Commercial Banks in Indonesia. The research method used is quantitative. The sampling technique used purposive sampling with a sample of 6 Islamic Commercial Banks registered with the Financial Services Authority for 2017-2021. The data analysis method used in this study is SEM-PLS with the SmartPLS version 4.0.8.7 application. The results showed that the variables of financial performance and islamic social reporting had a significant effect on firm value. Then, the maqashid sharia index as a moderator variable cannot moderate the relationship between financial performance and islamic social reporting on firm value. Thus, the Maqashid sharia index is a moderator predictor because it can only independently influence the dependent variable.
Analysis of The Influence of Financing, Inflation, and The Amount of Money Supply on The Profitability of Syariah Bank in Indonesia Aulia, Nadia Putri; Nur Aisyah, Esy
Perisai : Islamic Banking and Finance Journal Vol 7 No 2 (2023): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i2.1668

Abstract

Profitability can show good company performance. Was conducted The research to determine the effect of financing, inflation, and the money supply on the profitability of Islamic banks in Indonesia. This study uses quantitative methods using secondary data. The sampling technique used in this study uses specific criteria, with the final sample result being 8 Islamic Banks registered with the Financial Services Authority in 2012-2021. The data analysis method in this study uses SPSS-25, with multiple linear regression testing tools, classical assumption testing, hypothesis testing, and determining coefficient tests. The study results show that financing variables partially do not affect the ROA profitability of Islamic banks in Indonesia. The inflation variable partly does not affect the ROA profitability of Islamic banks in Indonesia. The money supply variable also has no partial impact on the ROA profitability of Islamic banks in Indonesia. However, the financing variables, inflation, and the money supply can all affect the ROA profitability of Islamic banks in Indonesia. The effect is 31.0%, where the variables with financing, inflation, and the money supply simultaneously affect the ROA profitability of Islamic banks in Indonesia, and other variables influence the rest.
Komparasi Tingkat Kesehatan Bank Syariah dan Bank Konvensional dengan Pendekatan Risiko Firmansyah, Fahmi Alif; Aisyah, Esy Nur
Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 4 (December 2023)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v5i4.717

Abstract

This research aims to find out how the health level of Sharia Banks and Conventional Banks compares using the Risk-Based Bank Rating (RBBR) method. This research is quantitative research with comparative methods. This research data uses secondary data taken from the Bank Indonesia website. This research data analysis uses comparative quantitative statistics. The total sample is 10 banks consisting of 5 sharia banks and 5 conventional banks. The research results show that there is a significant (real) difference between the average value of credit risk in Islamic banks and conventional banks. There is no significant (real) difference between the average value of liquidity risk in Islamic banks and conventional banks. There is a significant (real) difference between the average Return on Asset (ROA) value for Islamic banks and conventional banks. There is no significant (real) difference between the average Net Interest Margin (NIM) value of Islamic banks and conventional banks. There is a significant (real) difference between the average Capital Adequacy Ratio (CAR) value for Islamic banks and conventional banks.
PERAN PEMBIAYAAN KUR MIKRO DALAM MENDUKUNG PERTUMBUHAN UMKM DI BANK SYARIAH INDONESIA KCP MALANG TUREN 1 Aisyah, Esy Nur; Uswatul Maulida, Lutfia
Prosiding Seminar Nasional Manajemen, Ekonomi dan Akuntansi Vol. 9 (2024): PROSIDING SEMINAR NASIONAL MANAJEMEN, EKONOMI DAN AKUNTANSI 2024
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh produk pembiayaan BSI KUR Mikro dalam mendukung pertumbuhan UMKM di Bank Syariah Indonesia KCP Malang Turen 1 pasca pandemi covid-19. Metode yang digunakan adalah deskriptif kualitatif dengan analisis data dari dokumen internal bank, wawancara, dan literatur relevan. Hasil penelitian menunjukkan bahwa pembiayaan BSI KUR Mikro memberikan kontribusi signifikan terhadap kesejahteraan ekonomi pelaku UMKM. Selama pandemi, program ini berperan penting dalam mempertahankan operasi UMKM dan meningkatkan stabilitas bisnis di tengah penurunan pendapatan. Setelah pandemi, UMKM yang mendapatkan pembiayaan BSI KUR Mikro menunjukkan peningkatan yang signifikan dalam hal pertumbuhan pendapatan, inovasi, dan ekspansi pasar dibandingkan dengan UMKM yang tidak menerima pembiayaan tersebut. Selain itu, pembiayaan ini turut memperbaiki kualitas produk dan layanan. Keberhasilan pembiayaan ini didukung oleh pengelolaan keuangan yang efektif, pengawasan berbasis prinsip 5C, dan prosedur verifikasi yang ketat. Secara keseluruhan, BSI KUR Mikro terbukti menjadi alat yang vital dalam mendukung pertumbuhan dan pemulihan ekonomi UMKM di Indonesia.