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All Journal Global Review of Islamic Economics and Business Jurnal Akuntansi dan Pajak Jurnal Ilmiah Ekonomi Islam Shirkah: Journal of Economics and Business International Journal of Islamic Business and Economics (IJIBEC) International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Ilmiah Edunomika (JIE) Budimas : Jurnal Pengabdian Masyarakat Jurnal Disrupsi Bisnis Relevance: Journal of Management and Business Al Basirah

Iin Emy Prastiwi

Fakultas Ekonomi, Institut Teknologi Bisnis AAS Indonesia

Author-ID : 2438332

Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

Published : 38 Documents Claim Missing Document

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Analisis Dana Talangan Haji Berdasarkan Fatwa No.29 / DSN-MUI / VI / 2002 (Studi Kasus Pada BPRS Dana Mulia Surakarta) Muhammad Tho'in; Iin Emy Prastiwi
Jurnal Ilmiah Ekonomi Islam Vol 2, No 01 (2016): Jurnal Ilmiah Ekonomi Islam, Vol. 02, No. 01, Maret 2016
Publisher : ITB AAS INDONESIA Surakarta

Recently, there are many Islamic Finance Institutions (LKS) offer a product to help moslem to register for the fortfcoming haji session although they didn’t have enough money. This product is called “Dana Talangan Haji”. BPRS Dana Mulia uses ijarah multijasa contract for giving hajj credit. So that, researcher interested to take a research about the Implementation of Hajj credit financing at BPRS Dana Mulia.The aim of the research is to know the Implementation of Hajj credit financing at BPRS Dana Mulia and to analyze the relevance with DSN-MUI Fatwa No.29/DSN-MUI/VI/2002 about Hajj Credit Financing by Islamic Finance Institutions (LKS). The kinds of this research is field research. While the method used for collecting data consist of observation, interview and documentation. For the analisis technique, researcher uses descriptive qualitative approach.From this research, researcher finds that the implementation of Hajj Credit financing at BPRS Dana Mulia Surakarta is not relevant with Fatwa No.29/DSN-MUI/VI/2002 about Hajj Credit Financing by Islamic Finance Institutions (LKS) because BPRS Dana Mulia uses ijarah multijasa contract that based on fatwa DSN-MUI NO. 44/DSN-MUI/VIII/2004 about multijasa financing.Keywords: Islamic Finance Institutions (LKS), ijarah multijasa, fatwa

INVESTASI PUBLIK DENGAN WAKAF TUNAI Iin Emy Prastiwi; Fajar Fitrianingsih; Nasrudin Rama Sinudarsono; Zulkifli Rosyid Abdillah
Jurnal Ilmiah Ekonomi Islam Vol 8, No 1 (2022): JIEI : Vol. 8, No. 1, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i1.3899

This study aims to discuss public investment through cash waqf. This study uses a qualitative method. Data collection techniques using literature study. The results in this study are cash waqf have an impact on the economy in general. Cash waqf as a social investment can be allocated to the construction of public facilities such as toll roads, hospitals and other developments. The allocation of cash waqf in the development is able to increase total investment in Indonesia so as to absorb unemployment. Waqf is not affected by the level of expected return (investment profit). Because waqf is voluntary where its movement is influenced by the level of community faith

Wakaf Tunai Perspektif Syariah Muhammad Tho’in; Iin Emy Prastiwi
Jurnal Ilmiah Ekonomi Islam Vol 1, No 02 (2015): Jurnal Ilmiah Ekonomi Islam, Vol. 01, No. 02, Juli 2015
Publisher : ITB AAS INDONESIA Surakarta

The development of waqf implementation is now popular with the "cash waqf". Endowments in cash (cash waqf / waqf al nuqud) are waqf that a person, group of persons or institution or legal entity in the form of cash. This study aims to discuss how the cash waqf basis in sharia perspective.Waqf system is a concept that is not clearly and expressly mentioned in the Qur'an and hadith. Unlike the zakat that is clearly mentioned in the Qur'an. Scholarly opinion regarding waqf objects show that the terms of wakaf (must be objects, useful, not disposable, not haram substance and should belong to wakif perfectly). Cash waqf is not supported by the hadith in particular, and using verses from the Al Qur’an and Hadits is general. Therefore, the determination of the terms of waqf objects including ijtihadi region.Keywords: Cash waqf, Al Qur’an, Hadits

Analisis Kondisi Makro Ekonomi dan Likuiditas terhadap Pembiayaan Bermasalah Perbankan Syariah Iin Emy Prastiwi
Jurnal Disrupsi Bisnis Vol 4, No 1 (2021): Jurnal Disrupsi Bisnis
Publisher : Prodi Manajemen, Fakultas Ekonomi, Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/drb.v4i1.9123

Penelitian ini bertujuan untuk mengetahui pengaruh factor kondisi makro ekonomi dan likuiditas terhadap pembiayaan bermasalah pada perbankan syariah di Indonesai tahun 2014-2018. Variabel makro ekonomi dalam penelitian ini adalah inflasi, kurs dan Suku bunga BI rate. Sedangkan likuiditas sebagai faktor internal perbankan. Penelitian ini adalah penelitian deskriptif kuantitatif dengan menggunakan analisis regresi linier berganda. Populasi dalam penelitian ini adalah seluruh laporan perbankan syariah. Sampel penelitian ini adalah data laporan perbankan syariah tahun 2014-2018. Hasil dalam penelitian ini adalah dari ketiga variabel makroekonomi yaitu inflasi, kurs dan Suku bunga BI rate, hanya variabel kurs yang berpengaruh signifikan terhadap pembiayaan bermasalah pada perbankan syariah di Indonesia. Sedangkan inflasi dan suku bunga BI rate tidak berpengaruh signifikan. Selain itu factor internal perbankan sayriah, yaitu variabel likuiditas berpengaruh signifikan terhadap pembiayaan bermasalah perbankan syariah. Kata Kunci: inflasi, kurs, Suku bunga BI rate, Likuiditas, NPF

The Impact of Credit Diversification on Credit Risk and Performance of Indonesian Banks Iin Emy Prastiwi; Anik Anik
Global Review of Islamic Economics and Business Vol 8, No 1 (2020)
Publisher : Faculty of Islamic Economics and Business, State Islamic University Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/grieb.2020.081-02

This study aims to identify the effect of credit diversification in the economic sector on credit risk and performance of commercial banks in Indonesia. Multiple linear regression is used to determine the effect of credit diversification on credit risk and banking performance. The data used in this study is the aggregated financial statements of commercial banks inIndonesia during the 2015-2018. The results indicate that credit diversification based on the economic sector has a significant effect on increasing the profitability of commercial banks in Indonesia. The credit diversification based on the economic sector also has a significant effect in reducing credit risk. Two control variables, namely company size and banking liquidity have a significant negative effect on profitability respectively. In the case of credit risk, the company size hasapositive effect, while the banking liquidity has no effect. These findings support the traditional banking theory which states that banks that diversify their credit portfolios can reduce the credit risk and increase profitability.

SOSIALISASI PENGGUNAAN ONLINE SHOP BERBASIS SYARIAH DI DUKUH SANGGRAHAN PUCANGAN, KARTASURA, SUKOHARJO Iin Emy Prastiwi; Tira Nur Fitria; Indra Lila Kusuma
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol 2, No 2 (2020): BUDIMAS : Vol. 2, No. 2, 2020
Publisher : LPPM ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/budimas.v2i2.1421

Kegiatan ini dilaksanakan untuk meningkatkan tingkat pemahaman dan untuk memberikan ilmu pengetahuan kepada masyarakat di Dukuh Sanggrahan Pucangan, Kartasura, Sukoharjo Jawa Tengah. Tujuan pengabdian kepada masyarakat ini adalah untuk penambahan pengetahuan dan ketentuan mengenai jual beli melalui online syariah. Selain itu sosialisasi ini bertujuan untuk menambah pengetahuan jual beli secara online menurut tinjauan hukum syariah. Diharapkan dari hasil pelatihan ini dapat memberikan pemahaman baru jual beli online, pengembangan jual beli online, dan pemahaman hukum syariah tentang jual beli online syariah kepada masyarakat sekitar. Kegiatan ini dilaksanakan dengan menggunakan metode ceramah dan diskusi. Metode ceramah digunakan dalam proses penyampaian materi pelatihan/sosialiasi. Sedangkan metode diskusi digunakan agar masyarakat bisa berdiskusi tentang bisnis online berdasarkan prinsip syariah. Target luaran yang diharapkan dari kegiatan ini adalah 1) Masyarakat mampu mengetahui bagaimana proses jual beli secara online; 2) Masyarakat mendapatkan infromasi tentang hukum syariah tentang jual beli online dalam tinjauan syariah. 3) Masyarakat nantinya mampu mengembangkan bisnis jual beli online bagi yang sudah mempraktekkan.

PELATIHAN TES TOEFL (TEST OF ENGLISH FOREIGN LANGUAGE) UNTUK SISWA SMK/SMA, MAHASISWA, DOSEN DAN UMUM Tira Nur Fitria; Iin Emy Prastiwi
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol 2, No 2 (2020): BUDIMAS : Vol. 2, No. 2, 2020
Publisher : LPPM ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/budimas.v2i2.1457

Kegiatan ini dilaksanakan untuk memberikan pemahaman dan ilmu pengetahuan kepada masyarakat umum (siswa SMA/SMK sederajat, mahasiswa, dosen dan umum). Tujuan pengabdian kepada masyarakat ini sebagai pelatihan tes TOEFL (Test of English Foreign Language). Selain itu, memberikan pemahaman dan pengetahuan tentang Tes TOEFL (Test of English Foreign Language). Diharapkan dari hasil pelatihan ini dapat memberikan pemahaman dan pengetahuan baru tentang tes TOEFL (Test of English Foreign Language). kepada masyarakat lainnya. Kegiatan ini dilaksanakan dengan menggunakan metode ceramah, dan diskusi. Metode ceramah digunakan dalam proses penyampaian materi pelatihan/sosialiasi. Target luaran yang diharapkan dari kegiatan ini adalah: 1) Masyarakat mengetahui apa itu tes TOEFL (Test of English Foreign Language). 2) Masyarakat memahami jenis soal-soal yang diujikan dalam TOEFL (Test of English Foreign Language). 3) Masyarakat memahami tips dan trik mengerjakan soal test TOEFL (Test of English Foreign Language), dan 4) Masyarakat mampu mengerjakan soal-soal yang diujikan dalam TOEFL (Test of English Foreign Language).

An Analysis the Rupiah Exchange Rates Effect Against the American Dollar and Inflation Against the Growth of Islamic Banking Mudharabah Deposits in Indonesia Muhammad Tho'in; Iin Emy Prastiwi
International Journal of Islamic Business and Economics (IJIBEC) Vol. 3 No. 1 (2019): IJIBEC VOLUME 3 NO. 1 JUNE 2019
Publisher : Faculty of Islamic Economics and Business of UIN K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v3i1.1797

This study aims to determine the effect of rupiah exchange rate on the US dollar (US dollar) and inflation on Mudharabah deposits of Islamic banking in Indonesia. This research is a descriptive quantitative study with secondary data. This study took samples at Islamic Commercial Banks and Islamic Business Units from January 2013 to December 2017. The analysis technique used was multiple linear regression analysis. Before conducting regression testing, the data were tested by classical assumption test, namely normality test, multicollinearity test, autocorrelation test, and heteroscedasticity test. The results in this study are the first rupiah exchange rate has a significant effect on Mudharabah deposits in a positive direction. This means that if rupiah exchange rate increases the impact on community activities in investing in Mudharabah deposits increases. The second is that iinflation has no significant effect on Mudharabah deposits, but has a relationship with a positive direction. This means that if the inflation increases, the impact on community activities in investing Mudharabah deposits also increases. Third, rupiah exchange rate and inflations are simultaneously affect on the Mudharabah deposits of Islamic banking in the amount of 59.9%. The implication is that the high rupiah exchange rate situation attracts investors to invest in Mudharabah deposits. The increase in the rupiah against the US dollar tends to cause multiplier effect which results in rising prices of commodity goods. High prices of commodity goods cause macro consumption to decrease, too because people tend to be efficient in consumption.

Macro Economic Challenges and Third Party Funds of Islamic Commercial Banks in Indonesia Anik Anik; Iin Emy Prastiwi
Shirkah: Journal of Economics and Business Vol 3, No 1 (2018)
Publisher : IAIN Surakarta

This article aims to determine the effect of inflation, the BI Rate, the exchange rate of the rupiah to the US dollar, and the amount of money supply for Third Party Funds (TPF) in Indonesians’ Islamic Banks during 2013-2016. This research method uses multiple regression analysis with time series data; gathering data from 48 samples of which are monthly data on the variables. The result of this research find that the inflation and exchange rate variables have no significant effect on TPF, while the BI Rate variable and the money supply have a significant effect on TPF. In doing so, Islamic banking can pay serious attention to the BI rate and the money supply and in this study the BI rate on the direction of TPF. Keywords: inflation, BI rate, exchange rate, Third Party Funds

Transactions Using E-Wallets: How Is the Perspective of Islamic Economics? Tira Nur Fitria; Yuwita Ariessa Paravasanti; Iin Emy Prastiwi
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.2857

The development of the digital economy presents a variety of transactions and new financial service products that are increasingly diverse. Doing any transactions by using an E-wallet seems to need to be responded to by an Islamic/Sharia economics view. By looking at the perspective of Islamic economics, we as a society will be able to assess how it plays a role in the development of the digital economy. The purpose of this research is to describe the use of E-wallet in doing transactions based on the perspective of Economics in doing transactions. This research is library research. The result analysis shows that digital wallets are something new in the payment system. The digital wallet in Islamic economics is permissible because it makes it easier for people to transact in daily life when they do not carry cash. In the view of Islam, especially the field of muamalat, it holds the principle of "on" Basically, in terms of muamalat, everything is permissible unless there is a valid argument forbid it". But, people must pay attention to Islamic law when using it. Regarding whether something is illegal or not digital wallets are back at the digital wallet users themselves. Usually, online parties have provided terms and conditions as agreement information with consumers. But, as a Muslim back to the contract and understand the usury value. For that, it would be considered for digital wallet users to understand and read carefully about the terms and conditions in using digital wallets in transactions, so there are no misunderstandings regarding the digital wallet. Therefore, as Muslims, we can use a sharia-based e-wallet to do all transactions as long as it is based on Allah's provisions that do not contain usury, gharar, maysir, tadlis, risywah, and israf. Under certain conditions, digital wallets can be used in an emergency. Payment in cash would also be better if preferred before using the digital wallet in doing any transaction in our daily life.

Co-Authors A Haris Romdhoni Abdul Haris Romdhoni Abdul Haris Romdhoni Agus Marimin Agus Subekti Aly Muhammad Azmi Anik Anik Anik Anik Anik Anik Anik Anik Anik Anik Anik Azizah Putri Az-Zahra Deni Kurniawan Desy Nur Pratiwi Dinda Maulid Rahmawati Ema Mustika Saputri Fajar Fitrianingsih Fitri Ernawati Fitria, Tira Nur Indra Lila Kusuma Ismail Ali Ma'ruf Jumarni Jumarni LMS Kristiyanti, LMS LMS. Kristiyanti M. Hasan Ma'ruf Maya Widyana Dewi Muhammad Naufal Zuhdi Muhammad Tho'in Muhammad Tho'in Muhammad Tho'in Muhammad Tho’in Muqorobin Muqorobin Nasrudin Rama Sinudarsono Nila Ayu Rusmala Dewi Oktaviani Alvita Kusumawati Putri Wulan Rahmahwati SEKAR APRILIA FARKHAN Siti Sulistiani Sri Laksmi Pardanawati Suhesti Ningsih Suprihati Tho'in Muhammad Tira Nur Fitria Ulul Azmi Mustofa, Ulul Azmi Umi Hani'in Wikan Budi Utami Wulan Widia Astutik Yuwita Ariessa Paravasanti Yuwita Ariessa Pravasanti Zulkifli Rosyid Abdillah

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