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All Journal Buletin Studi Ekonomi MATRIK: JURNAL MANAJEMEN, STRATEGI BISNIS, DAN KEWIRAUSAHAAN Jurnal Pendidikan dan Pengajaran Ekonomi Bisnis SOROT: Jurnal Ilmu-ilmu Sosial JEJAK ASAS : Jurnal Hukum Ekonomi Syariah Tadris: Jurnal keguruan dan Ilmu Tarbiyah Al-'Adalah Islamic Ecomonics Journal I-ECONOMICS: A Research Journal on Islamic Economics DERIVATIF Jurnal Manajemen Pendidikan Jurnal Akuntansi dan Pajak Jurnal Ilmiah Ekonomi Islam Jurnal Perspektif Ekonomi Darussalam Economica: Jurnal Ekonomi Islam Akuntabel : Jurnal Ekonomi dan Keuangan Pendas : Jurnah Ilmiah Pendidikan Dasar Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Edukasi Islami: Jurnal Pendidikan Islam Islamic Management: Jurnal Manajemen Pendidikan Islam Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Tabarru': Islamic Banking and Finance Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam JPGMI (Jurnal Pendidikan Guru Madrasah Ibtidaiyah Al-Multazam) International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Ilmiah Edunomika (JIE) Tasharruf: Journal Economics and Business of Islam Revenue: Jurnal Manajemen Bisnis Islam Management Studies and Entrepreneurship Journal (MSEJ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah An Naba Jurnal Pemikiran dan Penelitian Pendidikan Islam RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL BASKARA: Journal of Business and Entrepreneurship Jurnal Signaling EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Ihtiyath : Jurnal Manajemen Keuangan Syariah Mabsya : Jurnal Manajemen Bisnis Syariah Community Empowerment SABURAI INTERNASIONAL JOURNAL OF SOCIAL, SCIENCES, AND DEVELOPMENT (Saburai-IJSSD) Ekopem: Jurnal Ekonomi Pembangunan Jurnal Abdimas Bina Bangsa Journal of Islamic Business and Economic Review (JIBER) FAJAR Jurnal Pendidikan Islam Salam (Islamic Economics Journal) International Research of Economic and Management Education Mabsya: Jurnal Manajemen Bisnis Syariah BUSINESS AND ENTERPREUNERSHIP JOURNAL Al-Istinbath: Jurnal Hukum Islam Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Revenue : Jurnal Ekonomi Pembangunan dan Ekonomi Islam Journal of Islamic Economics Lariba Manageable Kartika: Jurnal Studi Keislaman Bukhori: Kajian Ekonomi dan Keuangan Islam Jurnal Al-Wasith : Jurnal Studi Hukum Islam Business and Enterpreneurship Journal (BEJ) Neraca Manajemen, Akuntansi, dan Ekonomi Jurnal Media Akademik (JMA) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam JURNAL RUMPUN MANAJEMEN DAN EKONOMI Talent: Journal of Economics and Business Jurnal Intelek Dan Cendikiawan Nusantara Journal of Social Science and Multidisciplinary Analysis Kajian Ekonomi dan Akuntansi Terapan Al-Infaq: Jurnal Ekonomi Islam Journal of Ekonomics, Finance, and Management Studies Jurnal Signaling
Heni Noviarita
Universitas Islam Negeri Raden Intan Lampung
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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DETERMINASI PERBANKAN SYARIAH DI INDONESIA Ariza Karina Putri; Beni Antomi; Putri Melisa; Tri Amar Prasetyo; Heni Noviarita
Business and Enterpreneurship Journal (BEJ) Vol 2, No 1 (2021)
Publisher : Business and Enterpreneurship Journal (BEJ)

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Abstract

The good performance of Islamic banking in Indonesia can result in advancing the national economy in Indonesia. Thus this study aims to find out how the determinants of Islamic banking performance influence and also to determine the effect of CAR, NPF, FDR, BOPO and NOM variables on ROA both partially and simultaneously during 2011-2016. This study uses panel data regression analysis. The research object consists of Islamic Commercial Banks in Indonesia with annual data from 2011 to 2016. The dependent variable (Y) used in panel data is ROA and the independent variable (X) consists of CAR, NPF, FDR, BOPO and NOM. shows that the variables affecting the profitability (ROA) of BUS during 2011- 2016, namely CAR, NPF and NOM have a significant positive effect on ROA, while FDR and BOPO have a significant negative effect on ROA. In addition, the CAR, NPF, FDR, BOPO, and
Peranan Perempuan Dalam Meningkatkan Kewirausahaan Dalam Pembangunan Anisa Binar Cahyani; Sulasi Imaniah; Puja Damaskha Rulita Sari; Ananda Hidayat; Dwi Taufiq Aziz; Heni Noviarita
Business and Enterpreneurship Journal (BEJ) Vol 2, No 1 (2021)
Publisher : Business and Enterpreneurship Journal (BEJ)

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Abstract

The purpose of this journal is to find out the role of women in increasing entrepreneurship in development. The data used is secondary data, where this journal takes data from sources such as books, articles, and readings. The method used is qualitative. Based on the results or discussion, women are one of the great strengths. Women's entrepreneurship is considered capable of changing social and economic values. Women have many important roles for the welfare of the family and the welfare of society. In addition to the main role of women as housewives who take care of and educate children, women also have an important role in building welfare in society. The empowerment of women in supporting MSMEs in Indonesia has enormous potential and must be optimized by the central and regional governments.
Sukuk Rating and Financial Ratio of Islamic Banks Kurnia Agustina; Heni Noviarita; Erike Anggraini; Surono Surono
Journal of Islamic Economics Lariba Vol. 7 No. 1 (2021)
Publisher : Department of Islamic Economics, Islamic University of Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol7.iss1.art1

Abstract

The risk of default if the rating shows a decreasing result over several years of maturity measurement that can apply in banking institutions requires banking institutions to maintain or even increase the rating of sukuk issued. The purpose of this study is to discuss the effect of profitability ratios, liquidity ratios, leverage, and productivity ratios on the rankings of sukuk in Islamic banking institutions issuing sukuk. By using purposive sampling from 14 Islamic banks, 6 Islamic banking institutions were obtained as research samples in the 2015-2019 period, which were analyzed using multiple linear regression showing that only the productivity variable had a significant and positive influence on the rankings of sukuk in Islamic banking institutions, although with positive coefficient, profitability does not have a significant effect on the sukuk rating. Meanwhile, the liquidity and leverage variables did not have a significant effect and formed a negative relationship pattern on the sukuk rating in the Indonesian Islamic banking institutions issuing the sukuk. This concludes that only the productivity ratio can increase the rating of sukuk issued by banking institutions, while other ratios such as profitability do not have a significant effect and the financial ratios of liquidity and leverage will decrease the rating of the sukuk. So, this research suggests that in maximizing the rating of sukuk, the proxies for banking productivity should be increased.
Retracted: Analysis of Impact of CAR and ISR on ROA of Sharia Banks Listed on JII for the 2015-2019 Period Yuli Astuti; Tulus Suryanto; Heni Noviarita; Surono Surono
Journal of Islamic Economics Lariba Vol. 7 No. 2 (2021)
Publisher : Department of Islamic Economics, Islamic University of Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol7.iss2.art1

Abstract

The purpose of this research is to find out whether there is an effect of Capital Adequacy Ratio and Islamic Social Responsibility on Return On Assets both in terms of partial and simultaneous testing. Collecting data in this study is to use secondary data from the financial statements of Islamic companies listed on the Jakarta Islamic Index. By using two blades of analysis, namely simple linear regression analysis and multiple linear regression analysis. Based on the results of simple regression analysis, it is known that partially CAR affects ROA and partially ISR affects ROA. Then simultaneously CAR and ISR influence ROA. Therefore, the role of profit in the company has an influential role, because the main objective of the company's operations is to achieve maximum profit. Information on profit achievement is not only useful for external parties such as the public as users of Islamic financial institutions as service companies and internal parties as parties who carry out or run the company in order to determine steps how to run the company to make a profit. Retraction Notice: This article is retracted on April 17, 2022, after Editor in Chief found out that the same manuscript has been published in other journals: https://doi.org/10.19109/ieconomics.v7i2.8983 and https://doi.org/10.24090/mabsya.v3i2.4857
NATIONAL INCOME IN AN ISLAMIC PERSPECTIVE Fauzan Dwi Kusuma; Heni Noviarita; Tiondol Mayzal; Zein Adi Abung
Jurnal Signaling Vol 12, No 1 (2023): Jurnal Signaling
Publisher : STMIK Pringsewu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56327/signaling.v12i1.1384

Abstract

National income is an income received by the State against the production factor it runs in a certain period of time and if the national income of an area is high, the level of welfare will also be better. This research uses qualitative research methods that take data sources from various journals and websites. The purpose of this study is to find out the amount of state income, then to find out how national income can be beneficial for the welfare of the people. The results showed that the Ministry of Finance of the Republic of Indonesia reported the realization of state revenue reaching IDR 1,974.7 trillion until the end of September 2022. Meanwhile, the realization of state spending was recorded at IDR 1,913.9 trillion as of September 2022. This value grew by 5.9% (yoy) from the realization of spending in September 2021 of IDR 1,806.9 trillion. With a larger income compared to state spending, Indonesia has again scored a surplus in the state budget for the 9th time in 2022. The amount of state income will affect the welfare of the people. The government has made various efforts to make instruments to help the economy in the community, especially UMKM actors who are given additional capital.
KEBIJAKAN FISKAL DALAM PERSPEKTIF EKONOMI SYARIAH Ranita Pranika; Ahmad Fahrozi; Aziz Hanif Mahfud; Heni Noviarita
Jurnal Signaling Vol 12, No 1 (2023): Jurnal Signaling
Publisher : STMIK Pringsewu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56327/signaling.v12i1.1385

Abstract

Fiscal policy according to Islamic economics is expected to carry out the functions of allocation, distribution, and stabilization in a country that has certain characteristics of value orientation, and ethical and social dimensions in the income and expenditure of Islamic countries. The focus of the discussion lies on Fiscal policy in Islamic Economics. The purpose of this study is to determine fiscal policy in Islamic economics. The results of the fiscal policy research referred to Islamic teachings precisely according to the social, political, and economic conditions that existed at that time. However, the application of fiscal policy at that time was not necessarily easy to apply today due to constraints, and political, social, and global economic conditions which were quite dominant. So the implementation of fiscal policy, although it cannot be exactly the same as that used in the early days of Islam, needs to adhere to Islamic principles regarding state revenues and expenditures that are oriented towards welfare and a fair distribution of wealth in society.
Keputusan pembelian perumahan syariah era covid-19: apakah harga menjadi faktor utama? Siti Nurohmah; Heni Noviarita; Evi Ekawati
AKUNTABEL Vol 20, No 1 (2023): Maret
Publisher : Faculty of Economics and Business Mulawarman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (214.421 KB) | DOI: 10.30872/jakt.v20i1.12870

Abstract

Tujuan penelitian ini untuk melihat hubungan harga apakah menjadi faktor utama dalam pengambilan keputusan perumahan berbasis syariah atau tidak. Penelitian mengadopsi kuantitatif dengan pendekatan assosiatif.  Penelitian dilakukan di Kota Bandar Lampung Provinsi Lampung pada era COVID-19. Penelitian menggunakan data primer yang diperoleh dari konsumen perumahan syariah. Penarikan sampel menggunakan teknik purposive sampling dengan jumlah 500 responden. Penelitian menggunakan kuisioner dengan melalui google form serta pengukuran indikator yang digunakan merupakan Skala Likert. Software statistik yang digunakan berupa SmartPLS Versi 3.0. Hasil penelitian memberikan fakta harga berpengaruh positif dan signifikan terhadap keputusan pembelian perumahan syariah di Kota Bandar Lampung era COVID-19. Hal ini dikarenakan perumahan syariah yang di pilih oleh konsumen merupakah rumah dengan harga yang masih dapat dijangkau sesuai dengan pendapatan konsumen sehingga konsumen yang sudah berencana membeli perumahan syariah sebelum pandemi COVID-19 tetap memutuskan untuk membeli rumah meskipun sedang menghadapi pandemi COVID-19.
MARKETING STRATEGY TSANAWIYAH MADRASAH IN BANDAR LAMPUNG CITY Fisman Bedi; Siti Patimah; Jamal Fakhri; Heni Noviarita; Koderi Koderi
Edukasi Islami : Jurnal Pendidikan Islam Vol 9, No 02 (2020): Edukasi Islami: Jurnal Pendidikan Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ei.v9i02.1925

Abstract

This study focuses on analyzing how the marketing strategy of Madrasah Tsanawiyah in Bandar Lampung City uses a descriptive qualitative approach. The results of the study, Madrasah Tsanawiyah in determining the right product according to community demand will increase the number of student enthusiasts, the costs set must pay attention to purchasing power, affordability of costs, suitability of costs with product quality. In terms of the location of education, the availability of facilities and infrastructure that supports educational products offered with a sense of security and comfort. Promotions are carried out, more effectively by involving the user community as Customer Co-Creation by maximizing alumni and parents who have experienced educational products directly, on the other hand, the power of social media information flow is a separate choice in conducting promotions.
Analisis Zakat sebagai Sumber Kekayaan Negara Heni Noviarita; Syara Dwi Afiana; Leny Indahsari; Dwi Nurhayati
Bukhori: Kajian Ekonomi dan Keuangan Islam Vol. 2 No. 1 (2022): Juli
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (766.243 KB) | DOI: 10.35912/bukhori.v2i1.1747

Abstract

Indonesia has the largest Muslim population, where the value of receiving zakat in Indonesia should have enormous potential for the welfare of the people. This can be seen from the receipt of zakat from BAZNAS, LAZ and OPZ in 2019 reaching Rp. 10,227,943,806,555. This is what makes zakat has the potential as a source of state revenue. Purpose: Therefore, this study aims to determine the potential of zakat as state revenue as well as its management and distribution. Research Methodology: The research method used by researchers is a descriptive qualitative method with a type of literature study. Where data collection is obtained from various sources in the form of articles and journals related to the discussion. Result: The results of this study indicate that zakat zakat has the same goal as one of the goals of the state contained in the 1945 Constitution, namely advancing the welfare and prosperity of the people and reducing economic inequality. This is what makes the potential for receiving zakat as a source of state revenue. As for the management and distribution mechanism in including zakat as an instrument of state revenue, that can be done in two ways, namely by centralizing the collection or collection of zakat funds into the State Treasury Account which will then be budgeted in the APBN to be managed and distributed to mustahik according to Islamic law.
Analisis Penanganan Keluhan Terhadap Loyalitas Nasabah Pada PT. BPRS Se-Provinsi Lampung Ditta Nurhidayanti; Heni Noviarita; Erike Anggraeni
Islamic Economics Journal Vol. 6 No. 1 (2020)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (356.843 KB) | DOI: 10.21111/iej.v6i1.4303

Abstract

The purpose of this research is to find and analyze the handling of complaints against customer loyalty at PT. BPRS in the Province of Lampung. This research is a quantitative study with a questionnaire data collection tool that is distributed to customers of PT. SRBs in the Province of Lampung. The sample used in this study was 100 customers, with a purposive sampling data collection technique. Analysis of the data used in this study is a simple linear regression data analysis. The results found that the handling of complaints can affect customer loyalty of PT. SRBs in the Province of Lampung. The magnitude of the effect of handling complaints on loyalty is 49.3%. Therefore, to maintain customer loyalty PT. BPRS in Lampung Province can make various options such as improving service quality, increasing satisfaction, perceived value, E-Servqual and using mobile banking.
Co-Authors Abdul Rohman Abdulloh Majid Ade Eko Setiawan Adiwijaya, Adam Mulya Agus Dwiyanto Ahmad Dairobbi Ahmad Fahrozi Ahmad Faqihuddin Ahmad Fauzan Ahmad Habibi Ahmad Nur Huda Ahmad Sadam Ahmad, Roslee Bin Akbar, Estelee Elora Alfa Rizki Saputra Alfarizi, Fakhri Danii Alief Rakhman Setyanto, Alief Rakhman Amalliya Nurjannah Amanatun Nisfah Nurun Nikmah Amin Setiyadi Amirudin Amirudin Ana Mega Selviani Ana Musta’anah Ananda Hidayat Angel Dwi Satria Angraeni, Erike Anisa Binar Cahyani Anita Anita Anjani, Putri Selviana Annisa Munfaati Anriyani, Yuyun Anwar Hidayat Apita Sari Apriani, Rahma Aprilia, Khaeran Aprinai, Tiara Ari Kurniyawati Ariansyah, Angga Ariza Karina Putri Arman Syahyudi Audra Laili Aulia Rachman, Muhammad Aziz Hanif Mahfud Bagus Dwi Cahyo Bayo Hadomuan Tanjung Beni Antomi Beny Sangjaya Beza Marsanda Aprilia Bilqis Putri Azhari. Hs Buono, Kulup Bina Chandra Prayoga Chelsea Mawar Az-Zahra Darlia Diah Ayu Permata Diah Sagita Fitri Dian Ekawati Dika Anggraini Puspita Dino Fernandi Diogsha, Hr Ditta Nurhidayanti Dwi Cahyono, Bagus Dwi Nurhayati Dwi Nurhayati Dwi Taufiq Aziz Dwitami, Yuska Supra Ellen Praditha Elsa Rani Shadewi Elzaanin, Amina A.A Erike Anggraeni Erike Anggraini Erike Anggraini Erike Anggraini Erike Anggraini Erike Anggraini Erike Anggraini Eva Dwiana Evi Ekawati Fahmi Muhammad Irfan Fakhri Danii Alfarizi Fautau, Idzam Fauzan Dwi Kusuma Febrianti, Regita Putri Firli Fachrezi Yansyah Fisman Bedi Fitri Angguan Fitri Yanti Gustika Nurmalia Gustika Nurmalia Halimah, Ulfa Nur Hanif , Hanif Hanif Hanif Hanifuan Maharani Margiyanata Hanin Anggraini Hasan Muhamad Hasani Ahmad Said Imam Agung Wijaya Indahsari, Leny Jamal Fakhri Jamel, Surono Bin Jayusman Jayusman Jihan Fiqriyani Joko Purwanto Jum Anggriani Kartika, Akbar Pratama Kayla Ratu Natia Khasanah, Arini Khavid Normasyhuri Kholiq, Mu’amalatul Kholiq, Mu’amalatul Kholis, Alwiyan Nur Koderi Krismadayanti Krismadayanti Krismadayanti Krismadayanti Krismadayanti, Krismadayanti Kulup Bina Buono Kulup Bina Buono Kurnia Agustina Kurnia Agustina Laili, Audra Leni Leny Indahsari Leny Indahsari Leny Indahsari Lestari, Nelly Lutfia Salsabila Bani M Avicenna Meuthi M. Hibatulloh Al Habib M. Nainin, Dasrizal M. Zidan Dairoby Ricardo Maimun Mairiza, Khania Taris Marendra Marendra Maya Puspita Sari Mayzal, Tiondon Melga Sari, Diny Merisa Oktapianti Moh Bahruddin Moh. Bahruddin Muhamad Hasan Muhamad Iqbal Muhammad Iqbal Muhammad Iqbal Muhammad Iqbal Fasa Muhammad Kurniawan Muhammad Kurniawan Muhammad Kurniawan Muhammad Noval Muhammad Saifudin Muhammad Syahid Muhammad Syahid Muhammad Zaki Mutiara Ramadhani Nafisah, Annisa Zauhar Nassa, Martha Haessun Nelly Lestari Nikmatul Mukaromah Nita Dinanti Normasyhuri, Khavid Nova Adella Novia Turmina Umi Nur Wahyu Ningsih Octavia, Sonia Oktapianti, Merisa Pasha, Putri Aisha Praditha, Ellen Pramesti, Desta Wulandari Puja Damaskha Rulita Sari Pundarika, Ratriana Putri Aisha Pasha Putri Melisa Putri Selviana Anjani Putri, Putri Amalia Rahayu Utami, Dwi Rahma Apriani Rahma, Fuji Alia Rahmat Fajar Rahmat Fajar Rahmat Gus Faozan Rahmat Ramadon Raihan Adam Zoya Rangga Ananta Rani Wulandari Ranita Pranika Ratriana Pundarika Raudhoh Musyifah Ria Atika Ridwansyah Ridwansyah Rita Dewi Rivaldo, Andrean David Romlah Romlah Ruslan Abdul Ghofur Samratulani Samsul Bahri, Galuh Ramadhan Sari NurkhasanahSari Nurkhasanah Sari, Elsa SARI, MAYA PUSPITA SARI, YESSI AVITA Sefta Kurniawansyah Sefti Lediya Devi Seftiana Wulandari Setia Nisa Setiawan, Ade Eko Setyorini, Tri Shilfarihah Hasanah Sinta Tri Utami Siti Khanifah, Siti Siti Maisaroh Siti Nurohmah Siti Patimah Siti Rohamah Sonia Octavia Sulasi Imaniah Surono Bin Jamel Surono Surono Surono Surono Syahyudi, Arman Syamsul Hilal Syara Dwi Afiana Tiondol Mayzal Tri Amar Prasetyo Tri Setyorini Tri Wahyu Nopriyanto Triamalia, Riska Tulus Suryanto Umi, Novia Turmina Wahid, Arfian Nur Wati, Beliya wati, Eliya Wati, Silvi Kesuma Weny Rosilawati Widi, Muhammad Naufal Widiastuti, Eka Wijaya, Imam Agung Winda Anggraini Wiwin Yustina Wullandari, Marcellia Yessi Avita Sari Yuli Astuti Yuli Astuti Yuli Dahlia Saputri Yulistia Devi Zaharah, Rita Zein Adi Abung