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All Journal Dinar: Jurnal Ekonomi dan Keuangan Islam Jurnal Ekonomi Syariah Teori dan Terapan AKSIOLOGIYA : Jurnal Pengabdian Kepada Masyarakat Gorontalo Accounting Journal LISAN AL-HAL: Jurnal Pengembangan Pemikiran dan Kebudayaan BALANCE: Economic, Business, Management and Accounting Journal Gema Wiralodra EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Current : Jurnal Kajian Akuntansi dan Bisnis Terkini JOURNAL OF BUSINESS AND ECONOMICS RESEARCH (JBE) Jurnal Ekonomi Jurnal Iqtisaduna Al-Buhuts (e-journal) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal of Creative Student Research Jurnal Manajemen dan Ekonomi Kreatif Jurnal Riset Manajemen Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Maslahah: Jurnal Manajemen dan Ekonomi Syariah Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi Santri : Jurnal Ekonomi dan Keuangan Islam IEB: Journal of Islamic Economics and Business Al-Insyiroh: Jurnal Studi Keislaman Indonesian Journal of Humanities and Social Sciences
Dahruji, Dahruji
Universitas Trunojoyo Madura
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Transportation Other

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Mitigasi Risiko Non Performing Financing Produk Perbankan dengan Prinsip 5C Rohmawati, Nur Khoiriyah; Dahruji, Dahruji
Journal of Business and Economics Research (JBE) Vol 5 No 3 (2024): October 2024
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jbe.v5i3.5955

Abstract

The development of musharaka financing in Indonesia continues to increase. The high use of musyarakah products is also accompanied by high risks faced by banks, especially financing risks which can be detrimental to the bank. The level of customer success in fulfilling their obligations can be seen from the Non-Performing Financing (NPF) indicator. BPRS Lantabur Tebuireng Lamongan branch experiences instability in the NPF value, which means it often experiences financing problems. In this case, appropriate risk prevention or mitigation efforts need to be made to maintain the NPF value. This research aims to determine the risks in musyarakah financing and analyze risk mitigation carried out by BPRS Lantabur Tebuireng Lamongan branch as an effort to prevent problematic financing. This research uses a qualitative approach with descriptive analysis methods and uses two data sources, namely primary data obtained through interviews and secondary data from related literature. The results of this research show that the risks that often occur in musyarakah financing are business risk and character risk. Risk mitigation efforts carried out by BPRS Lantabur Tebuireng Lamongan branch are by actively implementing the 5c principles, which consist of character, capacity, capital, collateral and conditions of economy. The assessment of the principles of capital, collateral and economic conditions at the BPRS Lantabur Tebuireng Lamongan Branch has been carried out well by implementing several fairly strict provisions, but an in-depth analysis needs to be carried out by the bank on the principles of character and capacity. This is because the risks that often occur in musyarakah financing are due to the customer's poor character and the customer's lack of ability in managing their business so that cases often occur that are detrimental to the bank.
Prediksi Rasio Profitabilitas Bank Umum Syariah yang Terdaftar ISSI: Pendekatan Tren Kuadratik Putri, Filda Felisa; Dahruji, Dahruji; Rahman, Taufiqur
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 6 No 2 (2024): November 2024
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v6i2.6066

Abstract

This research aims to predict the profitability levels of Islamic Commercial Banks listed on the Indonesian Sharia Stock Index (ISSI) using a quadratic trend approach. The data sources are derived from the annual financial reports of PT Bank Syariah Indonesia Tbk, PT Bank Panin Dubai Syariah Tbk, PT Bank Aladin Syariah Tbk, and PT Bank BTPN Syariah Tbk spanning from 2019 to 2023. The approach applied in this analysis uses quadratic trend to predict Return on Assets and Return on Equity from 2024 to 2028. The forecasting results indicate a significant upward trend for both profitability ratios. ROA is expected to increase from 5.42 in 2024 to 12.98 in 2028, while ROE is projected to rise from 21.96 to 82,8 during the same period. This study concludes that Islamic Commercial Banks show very positive potential financial performance, with stable increases in ROA and ROE, indicating strong growth potential and significant improvement in financial performance in the coming years. These findings provide important insights that investors can consider when making investment decisions in publicly listed Islamic Commercial Banks in the Indonesian Islamic banking sector.
Pengaruh Pengetahuan Terhadap Minat Berinvestasi di Pasar Modal Syariah Pada Mahasiswa Fakultas Keislaman Universitas Trunojoyo Madura dengan Kemajuan Teknologi sebagai Variabel Mediating Yulfika Yulfika; Dahruji Dahruji
Journal of Creative Student Research Vol. 1 No. 4 (2023): Agustus : Journal of Creative Student Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jcsrpolitama.v1i4.2228

Abstract

The Islamic Investment Gallery is a means of introducing Islamic Capital Market Investment to the world of academia and as a place to study investment and make investment transactions in the Islamic capital market. One of the causes of failure in investing is a lack of understanding in investing. Apart from knowledge, another factor in increasing interest in investing is technological advances as a medium in its activities. Therefore, this study aims to analyze the effect of knowledge on interest in investing in the Islamic capital market with technological advances as a mediating variable. This research is a quantitative research. Using the path analysis method in SPSS V.20. The results of this study indicate that knowledge has a direct effect on interest in investing in the Islamic capital market, knowledge influences technological progress as a mediating variable in interest in investing in the Islamic capital market, technological advances influences interest in investing in the Islamic capital market and knowledge influences interest in investing in Islamic capital markets. Through technological advances.
Comprehensive Analysis of The Milkfish Producer's Welfare and The Development of Halal Blue Economy Businesses Mashudi, Mashudi; Dahruji, Dahruji; Ubudiyah, Hakimatul
Al-Insyiroh: Jurnal Studi Keislaman Vol. 11 No. 1 (2025): March 2025
Publisher : LPPPM STAI Darul Hikmah Bangkalan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35309/alinsyiroh.v11i1.376

Abstract

The Junok pindang milkfish product has a distinctive taste, different from other pindang milkfish. However, until now, its production has not been widely developed and is only known from generation to generation. This study was conducted to determine the level of welfare of its producers and the development of businesses based on the halal blue economy. This study used a qualitative methodology. The main data collection used interviews and direct observation. The analysis process used the theory of Miles and Huberman with data collection, reduction, display, verification, and concluding testing of the validity of the data. The results of the study indicate that the welfare of producers is generally achieved through indicators of fulfilling food, clothing, and housing needs, although at the level of fulfilling health and higher education needs, it is still not optimal due to limited infrastructure and public awareness. The development of producer businesses can be seen from the increase in income, quality of life, and the creation of new jobs, but this development has not been fully maximized to support the objectives of developing industrial centers based on the halal blue economy, including the need for assistance in the halal certification of pindang milkfish products
Studi Pengolahan Limbah Usaha Mandiri Rumah Tangga dan Dampak Bagi Kesehatan di Wilayah Kenjeran, Surabaya Dahruji, Dahruji; Wilianarti, Pipit Festy; Totok Hendarto, Totok
Aksiologiya: Jurnal Pengabdian Kepada Masyarakat Vol 1 No 1 (2017): Februari
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/aks.v1i1.304

Abstract

At this time the development of the industry in Indonesia is growing rapidly, there are currently large and small industries. An assortment of chemical industry, paper, textiles and cement. The small industry such as industry know. Many industries can generate positive and negative impacts. The positive impact of the industry, among others, the creation of jobs and the use of new technologies in various fields. The negative effects derived from industrial waste in the form of waste, liquid waste containing substances that are harmful to the surrounding community, so that the disposal of waste produces a toxic substance that causes the growth of bacteria that breed. With the indiscriminate disposal of waste fluids can cause problems for humans share, environment and water, can grow germs or other germs harmful to humans, would be susceptible to various diseases due to the influence of chemicals that pollute the river. Long-kelaman waste fluid change color to dark brown and smelly, and the stench is going to result in respiratory problems for people around. (Atinah fatal 2007).The research method using descriptive research method, with consecutive sampling technique to sample 21 people. Analysis using the percentage description. Results obtained 17 percent of skin disorders, diarrhea 2 percent, and laboratory values averaged COB try the 1 meter including pemcemaran being.With the existence of this study is expected an increase of knowledge in the management of household waste small industries. 
Consumer Perceptions of Maslahah on Halal-Labeled Madura Herbal Medicine Mashudi, Mashudi; Dahruji, Dahruji; Ubudiyah, Hakimatul
Al-Insyiroh: Jurnal Studi Keislaman Vol. 10 No. 2 (2024): September 2024
Publisher : LPPPM STAI Darul Hikmah Bangkalan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35309/alinsyiroh.v10i2.301

Abstract

The background of this study is based on the fact that Madura herbal medicine is an interesting alternative treatment and is believed to be effective, as well as being Madurese local wisdom that has been trusted for generations. Therefore, consumers are faced with the choice of the maslahah and halalness of Madura herbal medicine. This study was conducted as part of the description of answers to these problems by testing independent variables using comparative quantitative methods. The research variable was the consumer perceptions of Madura herbal medicine products that were halal-labeled and those that did not have a halal label. The population was consumers of Madura herbal medicine in Kwanyar and Modung districts, Bangkalan Regency. The sampling of the population in this study used Lemeshow's formulation because the exact number of populations was unknown, and the sample determination used a random sampling approach with an accidental sampling technique. The main data collection used questionnaires and documentation techniques. Following the principles of research methodology, a series of data analysis stages have been carried out through questionnaire instrument testing (validity and reliability tests), data distribution normality tests (as a requirement for the t-test), and the one-sample t-test. From the test results, it is known that the perception of the consumer of the maslahah of the Madura herbal medicine is different. Halal-labeled Madura herbal medicine is perceived to guarantee more maslahah, while nonhalal-labeled Madura herbal medicine is not.
Optimizing the collection of zakat Infak and Shadaqah using digital fundraising Jumaati, Jumaati; Dahruji, Dahruji
Gema Wiralodra Vol. 15 No. 1 (2024): Gema Wiralodra
Publisher : Universitas Wiralodra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/gw.v15i1.621

Abstract

Yatim Mandiri is a national amil zakat institution that already has legitimacy through formal legal aspects in Surabaya and also has various kinds of programs to help orphans and the community. The purpose of this research of zakat infaq and shodaqah at laznas independent orphans in Surabaya. The method used in this study is a qualitative descriptive research method. For data collection techniques, researchers in this study, researchers used the theory of collecting zakat infak and shodaqah using digital fundraising. Development in zakat management is increasingly important along with the entry into the digital era.  used observation and interview techniques. Development in zakat management is felt to be increasingly important along with the entry in the digital era. Apart from that, it also concerns the form of digital fundraising strategies such as websites, email marketing, social media, search, in order to collect zakat more optimally. As a result, by transforming towards using channels in digital fundraising, management and collection programs, distribution and distribution of zakat infaq and shodaqah can be carried out better while the same time being able to educate the public about the obligation to tithe.
BI-7 DAY REVERSE REPO RATE EXCHANGE RATE, MONEY SUPPLY, AND THE NUMBER OF SHARIA CAPITAL MARKET INVESTORS Lutfiana Mahmud, Camelia; Dahruji, Dahruji
CURRENT: Jurnal Kajian Akuntansi dan Bisnis Terkini Vol. 4 No. 1 (2023): CURRENT : Jurnal Kajian Akuntansi dan Bisnis Terkini
Publisher : Universitas Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31258/current.4.1.197-206

Abstract

This study aims to analyze the influence of the variables BI 7-Day Reserve Repo Rate, Exchange Rate, and the Amount of Money in Circulation on investors in the Islamic capital market. The research method used is multiple linear regression using the t-test, F-test, and coefficient of determination (). The data used in this study is secondary data obtained from several data sources, namely IDX, Bank Indonesia, Badan Pusat Statistik, and CNBC Indonesia which includes data on the BI 7-Day Reserve Repo Rate, exchange rate, total money supply, and data on the number of investors. Islamic capital market in 2017-2021. The results of this study indicate that BI7DRR and Money Supply affect the Number of Islamic Capital Market Investors, while the Exchange Rate does not affect the Number of Islamic Capital Market Investors.
Analisis Determinan Kinerja Keuangan Amaliah, Riska; Dahruji, Dahruji
Gorontalo Accounting Journal Volume 6 Nomor 1 April 2023
Publisher : Universitas Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32662/gaj.v6i1.2670

Abstract

The following research aims to find out what factors influenced the financial performance of Islamic Commercial Banks at OJK and BI during the Covid-19 pandemic for the 2019-2021 period. The analysis methodology is panel data regression with Eviews 12. The sample used is 12 BUS for the 2019-2021 period. The variables used are Operational Costs to Operating Income (BOPO), Non Performing Financing (NPF), Inflation, and Statutory Reserves (GWM). The results is all variables simultaneously had a significant influence on the financial performance of BUS, based on F test. Meanwhile, on t test, the BOPO and GWM variables are proven to have an influence on the financial performance of BUS. NPF and inflation had no effect in BUS financial performance (ROA). So that it can be concluded that BUS at OJK and BI in 2019-2021 during the Covid-19 pandemic could handle their financial performance quite well. Thereforethat must used to evaluation for BUS in order to improve operational performance. In order to avoid a decline in financial performance during the Covid-19 pandemic, BUS in OJK and BI are required to prioritize strategic steps to improve their financial performance and if there’s a problem with the process, it can be handled properly.
Re-Designing Shariah Monopoly (Monasy) in Islamic Banking Management Zahro, Nur Fatimatuz; Dahruji, Dahruji; Hakeem, Altan
JOM Vol 5 No 1 (2024): Indonesian Journal of Humanities and Social Sciences, March 2024
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/ijhass.v5i1.5157

Abstract

This study aims to redesign the concept of Sharia contract monopoly as a learning tool within the Islamic banking management course, specifically to enhance students' financial literacy. The development method employed is the 4-D model (Four D Models) according to Thiagarajan, encompassing the stages of define, design, develop, and disseminate, although this research is focused on the development phase. Qualitative methods, including both secondary and primary data collection, are used in this study. The research results indicate that the redesign of the Sharia contract monopoly as an interactive learning tool within the Islamic banking management course deepens students' understanding of Islamic banks, motivating them to master the operational concepts of Islamic banking through property purchase, leasing, and exchange in a simplified economic system. Furthermore, this redesign also plays a role in honing critical thinking, economic calculations, and operational banking analysis.
Co-Authors A'yunina Amalia Muslich Afiza Ridha Zamzima Alifia Rahma Amaliah, Riska Amimi, Aisyah Amrulloh, Yuzakky Bustomi Arisandi Camelia Lutfiana Mahmud Febby Ayu Ainiyah Hadi, Abd Hakeem, Altan Joni Joni Jumaati, Jumaati Lia Anjali Lutfiana Mahmud, Camelia Mashudi Mashudi Mashudi Mashudi Mashudi Miftakhul Alifah Aurelia Nabilah Al Madani Nurul Aulia Permata, Arif Rachman Eka Pipit Festy Wilianarti Pipit Festy Wilianarti, Pipit Festy Pita Mei Zilvia Putri, Filda Felisa Qorirotul Uyun Rahmah Rohmawati, Nur Khoiriyah Sofy Laila Sari Taufiqur Rahman Tia Novi Yanti Totok Hendarto Ubudiyah, Hakimatul Ulfiyah Ulfiyah Yulfika Yulfika Zahro, Nur Fatimatuz