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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Manajemen Indonesia Perisai : Islamic Banking and Finance Journal Jurnal Tabarru': Islamic Banking and Finance Syarikat : Jurnal Rumpun Ekonomi Syariah Iqtishoduna: Jurnal Ekonomi Islam Jurnal Pengabdian Masyarakat IPTEKS Abdimas Galuh : Jurnal Pengabdian Kepada Masyarakat Academia Open Indonesian Journal of Cultural and Community Development Indonesian Journal of Law and Economics Review Soeropati: Journal of Community Service JURNAL ABDIMAS TRIDHARMA MANAJEMEN Jurnal Lokabmas Kreatif : Loyalitas Kreatifitas Abdi Masyarakat Kreatif Islamiconomic: Jurnal Ekonomi Islam Indonesian Journal of Islamic Studies Safari : Jurnal Pengabdian Masyarakat Indonesia IJMI
Krisnaningsih, Diah
Universitas Muhammadiyah Sidoarjo
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Computer Science & IT Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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PENGARUH NON PERFORMING FINANCING (NPF) DAN FINANCING TO DEPOSIT RATIO (FDR) TERHADAP RETURN ON ASSETS (ROA) PADA BANK BCA SYARIAH Firdausi, Selsabilla; Krisnaningsih, Diah
Jurnal Tabarru': Islamic Banking and Finance Vol. 7 No. 2 (2024): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2024.vol7(2).21486

Abstract

ROA adalah kemampuan bank menghasilkan uang dari asetnya diukur dengan laba atas aset. Determinan yang mempengaruhi ROA adalah NPF dan FDR. Tujuan peneltitan ini untuk mencari tahu FDR dan NPF yang mempengaruhi ROA Bank BCA Syariah pada tahun 2018 hingga 2022. Data penelitian ini menggunakan data sekuder dari Bank BCA Syariah berupa laporan keuangan periode 2018-2022. Uji yang digunakan dalam penelitian ini yaitu uji regresi linier berganda, uji asumsi klasik, dan uji hipotesis. Analisis data dengan SPSS versi 22. Hasil penelitian menunjukkan bahwa NPF maupun FDR tidak mempunyai dampak besar terhadap ROA. Koefisien regresi yang tidak signifikan dan nilai p-value yang tinggi menunjukkan bahwa perubahan NPF dan FDR tidak cukup kuat untuk mempengaruhi ROA secara statistik.
ANALYSIS OF USER ACCEPTANCE OF THE MULTIPURPOSE FINANCING ANALYSIS APPLICATION AT BANK SYARIAH X WITH THE UTAUT MODEL Rizka Tri Cahyaning Ati; Krisnaningsih, Diah
International Journal Multidisciplinary (IJMI) Vol. 2 No. 4 (2025): International Journal Multidisciplinary (IJMI)
Publisher : Antis-Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61796/ijmi.v2i4.329

Abstract

Objective: This research aims to determine the level of user acceptance of the Excel application for multi-purpose financing analysis at Bank Syariah X. The use of the application in the financing business process is expected to facilitate the work of AO financing analysts, supported by good technological facilities. Method: The method used by the author is qualitative, delving into the acceptance of computer technology at Bank Syariah X as a tool for analyzing multipurpose financing, and conducting interviews and direct observations to achieve optimal results. Results: The results obtained from this study indicate that the level of acceptance among employees of Bank Syariah X towards the Excel application for multi-purpose financing analysis is considered quite good, with 75% of respondents stating that the use of the application is easy. However, other sources also believe that the use of this Excel application is quite complicated and still requires better improvements. Novelty: This study provides insights into the real-world acceptance of a spreadsheet-based tool (Excel) in the context of Islamic banking's financing processes, highlighting user experience variation and areas for potential system enhancement.
Literasi Green Economy dan Animasi Pilah Sampah untuk Edukasi Lingkungan di SMA Muhammadiyah 3 Tulangan Diah Krisnaningsih; Ninda Ardiani; Masruchin Masruchin
SAFARI :Jurnal Pengabdian Masyarakat Indonesia Vol. 5 No. 3 (2025): Juli : SAFARI :Jurnal Pengabdian Masyarakat Indonesia
Publisher : BADAN PENERBIT STIEPARI PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56910/safari.v5i3.2918

Abstract

The environmental crisis is becoming an increasingly pressing issue as development increases without adequate attention to ecological aspects. Negative impacts such as air, soil, and water pollution, as well as extreme climate change, demonstrate that development is not aligned with the principles of environmental sustainability. One serious problem is the increasing volume of waste, from households, schools, and industry. Unfortunately, public awareness of waste sorting and management remains relatively low. Poorly managed waste can cause pollution and long-term health threats. Separating organic and inorganic waste is a crucial step in creating an effective and environmentally friendly waste management system. Therefore, environmental education is a strategic effort to foster awareness from an early age, particularly in the school environment. Through an educational approach and engaging delivery, it is hoped that students will more easily understand the importance of maintaining a clean and sustainable environment. This community service activity aims to improve Green Economy literacy and waste sorting education for students at Muhammadiyah 3 High School, Tulangan, Sidoarjo. The primary target group is 12th-grade students from five classes who are directly involved in the outreach activities. The method used is the screening of interactive and educational motion graphic animation media, making it easier for students to understand the material. This media was chosen because it is visual, engaging, and in line with the characteristics of a young generation familiar with technology. As a form of concrete support, the team also provided green (organic) and yellow (inorganic) trash cans throughout the school environment. It is hoped that this activity will not only broaden students' understanding of the importance of waste sorting but also foster positive, sustainable habits. Furthermore, this activity is the first step in developing a young generation with social responsibility and environmental awareness.
Islamic Crowdfunding Model for Accelerating Asset Growth in Sharia Cooperatives: A Case Study of KSBB Krisnaningsih, Diah; Ardiani, Ninda; Nugroho, Tofan Tri; Nur Aini, Dyah Ayu; Saputri, Dian Maharani
ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 16, No 2 (2025): (On Process)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i2.986

Abstract

This study analyzes the implementation of sharia loan crowdfunding at Koperasi Syariah Berkah Bersama (KSBB) as an innovative financing model to accelerate asset growth and the accumulation of third-party funds (DPK) in non-bank financial institutions. Using a qualitative case study approach, data were collected through in-depth interviews with KSBB management, members, and beneficiaries (shahibul maal and mudharib), supported by observations of the KSBB Universe platform and relevant documentation. The findings reveal that the adoption of sharia crowdfunding significantly increased KSBB’s assets from IDR 513 million in 2020 to IDR 6.9 billion in 2023 (growth of 1,350%) through the use of WhatsApp-based crowdfunding, and further to IDR 13.8 billion in March 2024 (growth of 150%) after the introduction of the KSBB Universe platform. Key success factors include KSBB’s hybrid role as a consumer cooperative, sharia financing provider, and crowdfunding operator; the application of syariah contracts (murabahah, mudharabah, musyarakah); strict project feasibility analysis; strong community trust and religious values; and the adoption of a digital platform that enhances transparency and accessibility. However, challenges remain in terms of members’ financial literacy, limited regulatory frameworks for cooperative-based crowdfunding, and the need for stronger human resource capacity. The study contributes theoretically by extending the discourse on sharia crowdfunding beyond fintech startups into cooperative-based models, and practically by offering insights into how cooperatives can adapt crowdfunding mechanisms to strengthen financial sustainability and promote sharia-based financial inclusion in Indonesia.
The Role and Strategy of Islamic Organization (Muhammadiyah) in Realizing Sustainable Development Goals in Indonesia Tofan Tri Nugroho; Eko Hardiansyah; Diah Krisnaningsih
Jurnal Manajemen Indonesia Vol. 25 No. 1 (2025): Jurnal Manajemen Indonesia
Publisher : Fakultas Ekonomi dan Bisnis, Telkom University.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34818/jmi.v25i1.8970

Abstract

This article explores the role and strategies of the Muhammadiyah organization in contributing to the realization of the Sustainable Development Goals (SDGs) in Indonesia. Muhammadiyah has evolved from its initial focus on modernizing Islamic education to impacting various sectors such as health, economy, and social responsibility. This research employs a descriptive qualitative approach using ethnographic analysis techniques, including interviews and observations, to examine Muhammadiyah's contributions. The findings highlight the organization's important role in education, health, and economic development, as well as its plans to expand into new sectors such as mining and pharmaceutical production. This study underscores Muhammadiyah's potential to further contribute to sustainable development in Indonesia. Keywords : Ethnographic; Muhammadiyah; SDGs; Strategies
User Acceptance of Gold Pawn Application in Syariah Bank: Penerimaan Pengguna Terhadap Aplikasi Gadai Emas di Bank Syariah Anggraeni, Indah Kurnia; Krisnaningsih , Diah
Indonesian Journal of Islamic Studies Vol. 13 No. 4 (2025): November
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijis.v13i4.1787

Abstract

General Background: The integration of information technology (IT) in Islamic banking has transformed operational processes, particularly in financing services such as gold pawning. Specific Background: Bank Syariah X implemented the E-Steem application to streamline assessment, analysis, and disbursement processes in gold pawns while ensuring compliance with Sharia principles. Knowledge Gap: Despite technological adoption, limited research has explored how user perceptions and acceptance affect system utilization in Islamic pawn financing. Aims: This study investigates user acceptance of the E-Steem application using the UTAUT model, focusing on performance expectancy, effort expectancy, social influence, and facilitating conditions. Results: Findings indicate that these four UTAUT factors collectively shape user acceptance, accelerating pawn processes, reducing errors, and enhancing transparency. Novelty: This research uniquely combines qualitative descriptive methods with UTAUT analysis in a Sharia-compliant pawn context. Implications: Understanding user acceptance provides guidance for optimizing IT systems in Islamic financial services, promoting operational efficiency and regulatory compliance. Highlights: Four UTAUT variables shape user adoption in Sharia-compliant pawns. E-Steem accelerates pawn processes and reduces operational errors. Findings guide IT optimization in Islamic financial services. Keywords: Gold Pawn; UTAUT; Islamic Banking; Technology Adoption; User Acceptance
Penerapan Kinerja Mashlahah Performa dalam Penghimpunan Harta di Al Muttaqin Kota Tasikmalaya (Implementation of Mashlahah Performance in Asset Collection in Al Muttaqin, Tasikmalaya City) Rohman, Pupun Saepul; Ramdani, Ramdani; Krisnaningsih, Diah
Perisai : Islamic Banking and Finance Journal Vol. 4 No. 2 (2020): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v4i2.948

Abstract

This study aims to examine the management of assets at the Al Muttaqin Foundation LPI for its suitability with maqāṣid syarīah in its measurement using Maslahah Performance (MaP) developed by Ahmad Firdaus (2014). Research related to educational institutions' performance was conducted by Arianti (2014) on the implementation of financial management in private educational institutions. Another study was conducted by Gunanta (2012) using the Balanced Scorecard concept and Firdaus and Prianto (2012) using the Maslahah Scorecard concept. This study's results indicate that, in general, LPI Al Muttaqin has fulfilled asset collection performance based on maqaṣid sharia. This is evidenced by the scores of the six Maṣlahah Performance orientations (MaPs), which are greater than the threshold score for the assessment criteria.
Syirkah Maza'arah Business Model for Economic Recovery: A Case Study of D'Durian Park: Model Bisnis Syirkah Maza'arah untuk Pemulihan Ekonomi: Studi Kasus Taman D'Durian Fauji, Imam; Masruchin, Masruchin; Krisnaningsih, Diah; Aprilia, Yohana; Rahmansyah, Panji
Indonesian Journal of Law and Economics Review Vol. 18 No. 3 (2023): August
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijler.v18i3.948

Abstract

The COVID-19 pandemic's profound impact on the global economy and Indonesia's growth necessitates innovative solutions. This study investigates the efficacy of the syirkah maza'arah business model for fostering microeconomic growth and accelerating economic recovery. Through a qualitative case study approach, the research examines the implementation of the syirkah maza'arah theory in the context of D'Durian Park, an agribusiness in Jombang. The park operates under a cooperative system between landowners and managers, contributing to a balanced profit-sharing mechanism. The study offers insights into the applicability of this Islamic business concept in rejuvenating economies, particularly in times of crisis, and highlights its potential for wider adoption. Highlight: Global Economic Impact: This study addresses the far-reaching consequences of the COVID-19 pandemic on the global economy and Indonesia's growth, emphasizing the need for innovative solutions. Syirkah Maza'arah Model: Investigating the effectiveness of the syirkah maza'arah business model, the research delves into its potential to foster microeconomic growth and expedite economic recovery. Real-world Application: Through a qualitative case study of D'Durian Park, the study demonstrates how the syirkah maza'arah theory is applied in an agribusiness context, showcasing a cooperative profit-sharing system between landowners and managers. The research highlights the concept's relevance in revitalizing economies during crisis and suggests its broader adoption as a viable strategy. Keyword: COVID-19 Pandemic, Syirkah Maza'arah, Microeconomic Growth, Economic Recovery, Qualitative Case Study
Aplikasi Bisnis Syirkah D’durian Park, Wonosalam, Jombang, Jawa Timur Krisnaningsih, Diah; Masruchin, Masruchin; Fauji, Imam
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.11336

Abstract

The COVID-19 pandemic and measures to prevent its spread caused a severe contraction in the world economy. The International Monetary Fund projects that the global economy will shrink by around 4.4 percent in 2020, the worst recession since the Second World War. Indonesia's gross domestic product is certain to experience a contraction of 1.1 percent in 2020 - a drastic drop from the projected pre-pandemic growth of 5.3 percent, causing a loss of jobs and income for the wider community. Microeconomic growth must be encouraged to grow faster for small to national scale economic recovery. The concept of syirkah as a discourse for Islamic business solutions to accelerate economic growth is very appropriate, especially in Indonesia with natural wealth in 38 provinces and abundant human resources + 357 million people. D'durian Park, Wonosalam, Jombang is one of the leading agribusinesses with the sirkah mukhabarah system in Wonosalam, Jombang with the main business units namely the Agrotourism Garden Plot (KKA) and agrotourism with the main commodity being Indonesia's superior durian and was founded in November 2019. Methods This research, namely qualitative case study, aims to describe, describe, explain, explain about the implementation of a theory in a particular field, such as the application of the syirkah mukhabarah business theory run by D'Durian Park Wonosalam, Jombang.
Co-Authors Aisha Hanif Anggraeni, Indah Kurnia Aprilia, Yohana Dewi Komala Sari Dinda Ayu Agustina Eka Vebrly Maretha Eko Hardiansyah Erlanda, Renaldy Trisna Faiza, Nur Iza Fidri Fadillah Puspita Firdausi, Selsabilla Fitri Nur Latifah Imam Fauji, Imam KHOIRUN NISAK Lailatul Fitriani M. Ruslianor Maika Mahilda Anastasia Putri Maika, Ruslianor Maretha, Eka Vebrly Masruchin Masruchin Masruchin Masruchin Masruchin Mey Kurnia Lestari Ninda Ardiani Ninda Ardiani Nishai, Wardha Nur Aini, Dyah Ayu Nur Iza Faiza Nuri Khasanah, Fiya Pupun Saepul Rohman Raflesia, Helvira Putri Pratiwi Rahmansyah, Panji Ramdani Ramdani Ramdani Ramdani Renny Oktafia Renny Oktafia Rizka Tri Cahyaning Ati Saputri, Dian Maharani Tika Widiastuti Timotius Yohanes Mamuko Tofan Tri Nugroho Uce Indahyanti Uce Indahyati