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All Journal Signifikan : Jurnal Ilmu Ekonomi ETIKONOMI Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) INFERENSI IQTISHADIA Jurnal Progres Ekonomi Pembangunan Jurnal Ilmiah Ekonomi Islam Jurnal Dinamika Ekonomi dan Bisnis Dinamisia: Jurnal Pengabdian Kepada Masyarakat Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Jurnal Hukum Ekonomi Syariah Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Surya Abdimas Buletin Ilmiah Marina : Sosial Ekonomi Kelautan dan Perikanan Iqtishoduna: Jurnal Ekonomi Islam Amwaluna Jurnal Ekonomi dan Keuangan Syariah IMANENSI: Jurnal Ekonomi, Manajemen dan Akuntansi Islam Mega Aktiva: Jurnal Ekonomi dan Manajemen JOURNAL OF BUSINESS AND ECONOMICS RESEARCH (JBE) AL-FALAH : Journal of Islamic Economics Lumbung Inovasi: Jurnal Pengabdian Kepada Masyarakat Jurnal Perspektif Pembiayaan dan Pembangunan Daerah IIJSE Optimum: Jurnal Ekonomi dan Pembangunan
Ernawati Ernawati
Fakultas Ekonomi Dan Bisnis, Universitas Halu Oleo
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Penerapan Prinsip Shiddiq dan Amanah pada Usaha Layanan Internet di Kota Kendari Sagibran Agid Birambi; Ernawati Ernawati
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 4 No 1 (2021): Article Research : Volume 4 Nomor 1, Periode Januari 2021
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v4i1.303

Abstract

Penelitian ini bertujuan untuk mengetahui tingkat penerapan prinsip shiddiq dan amanah pada pengelolaan usaha jasa layanan internet di Kota Kendari. Sampel ditentukan secara cluster random sampling, dengan total 10 warnet. Analisis data dilakukan secara deskriptif. Adapun indikator shiddiq yaitu: (1) jujur dalam menyampaikan informasi mengenai kerusakan/gangguan jaringan, (2) ketersediaan tarif yang telah tertera; (3) penyampaian kenaikan tariff, sementara manah yaitu: (1) upaya pengelola memblokir situs yang mengandung pornografi dan pornoaksi; dan (2) tanggungjawab pengawasan terhadap terhadap upaya pembukaan situs yang mengandung pornografi dan pornoaksi serta kekerasan lainnya. Hasil penelitian menunjukkan bahwa tingkat penerapan prinsip shiddiq dalam pengelolaan usaha jasa layanan internet di Kota Kendari berada pada penerapan syariah tinggi yakni sebesar 76.67 persen. Indikator shiddiq yang masih rendah diterapkan yaitu keterbukaan pengelola usaha dalam penyampaian kenaikan tarif. Adapun tingkat penerapan prinsip amanah dalam pengelolaan usaha jasa layanan internet berada pada kategori sangat rendah yakni sebesar 20.00 persen, disebabkan oleh rendahnya partisipasi pengelola dalam memblokir situs yang bertentangan dengan syariah, maupun dalam pengawasan akses situs yang dapat merusak moral generasi muda.
Pemberdayaaan Kaum Perempuan di Kota Kendari Melalui Usaha Souvenir di Masa Pandemi Tajuddin Tajuddin; M. Natsir; Hasan Aedy; Rosnawintang Rosnawintang; Ernawati Ernawati; Asrianti Dja'wa; Wa Ode Rachmasari Ariani
Surya Abdimas Vol. 6 No. 1 (2022)
Publisher : Universitas Muhammadiyah Purworejo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37729/abdimas.v6i1.1459

Abstract

Perekonomian masyarakat di Kecamatan Poasia terdampak pandemic Covid-19 berupa penurunan pendapatan. Salah satu solusi yang ditawarkan bagi kaum perempuan di Kecamatan Poasia yaitu pemberdayaan kaum perempuan di masa pendami melalui usaha rumah tangga. Tujuan kegiatan pengabdian yaitu meningkatkan keterampilan kaum perempuan dalam pembuatan souvenir. Mitra Kegiatan yaitu Camat Kecamatan Poasia. Kegiatan pelatihan melibatkan 24 peserta dari kaum perempuan. Pelaksanaan kegiatan dilakukan melalui pelatihan. Metode kegiatan yang digunakan berupa ceramah dan demonstrasi. Setiap kelompok menghasilkan 2 produk, yaitu bucket bunga dan balon. Hasil evaluasi kegiatan menunjukkan bahwa pemahaman perserta pelatihan setelah mengikuti kegiatan berada pada kategori sangat tinggi. Pada sisi lain, peserta pelatihan juga berminat untuk mengembangkan bisnis souvenir. Tindak lanjut yang perlu dilakukan berupa peningkatan keahlian pemasaran on line guna meningkatkan jaringan pelanggan.
The Effect of Public Awareness on the Islamic Financial Industry’s Development Ernawati Ernawati; Rosnawintang Rosnawintang; Ambo Wonua Nusantara
Signifikan: Jurnal Ilmu Ekonomi Vol 11, No 2 (2022)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v11i2.25816

Abstract

The development of Islamic finance is not related to the size of the Muslim population as a potential demand. Awareness is a crucial factor in the demand for Islamic banking services. This research investigates the effects of knowledge, regulation, and public awareness on Islamic finance development. This study considers awareness as the mediator variable of knowledge and regulation in supporting Islamic finance development. The study used secondary data published by ICD and Refinitiv, with data from 2013-2019 from 62 countries. Data were analyzed using panel data path regression. The research findings show that knowledge, regulation, and awareness significantly affect the development of the financial industry. The importance of awareness in promoting the Islamic financial industry is indicated by the positive and significant value of awareness as a mediator of knowledge and regulation. This study recommends the synergy between the government and Islamic financial education institutions in strengthening public awareness in encouraging the development of the Islamic finance industry through disseminating research results and government policies.How to Cite:Ernawati., Rosnawintang., & Nusantara, A. W. (2022). The Effect of Public Awareness on the Islamic Financial Industry’s Development. Signifikan: Jurnal Ilmu Ekonomi, 11(2), 399-414. https://doi.org/10.15408/sjie.v11i2.25816.JEL Classification: D83, G18, G41
Pembiayaan Optimal dan Korelasinya Terhadap Alokasi Pembiayaan pada Bank Umum Syariah di Indonesia Ernawati Ernawati; Mansyur Asri
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 8 No. 2 (2019): Oktober
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (325.209 KB) | DOI: 10.36835/iqtishoduna.v8i2.374

Abstract

Islamic Commercial Banks in Indonesia behave risk averse, which is indicated by financing based on murabaha. The focus of this research is to examine the composition of optimal financing and its correlation to the allocation of financing at the Islamic Commercial Bank. The research data was obtained through the publication of the Indonesian Financial Services Authority with an analysis period of June 2014 to December 2017. There were 13 types of financing allocated by Sharia commercial banks in Indonesia, but based on the completeness of the data, the types of financing estimated were 9 types. Data analysis is used with the mean variance and correlation. Calculation of data using the Excel Solver program. The results showed: (1) the composition of optimal financing at the Islamic Commercial Bank consisted of seven types of financing, and was based on four main groups, namely: mudharaba rupiah, murabaha forex, murabaha rupiah, and istisna rupiah; and (2) the composition of optimal financing and the composition of financing allocations to Islamic banks showed a low correlation; and (3) qardh financing which is the last ranking in the optimal portfolio composition, is still prioritized by Islamic Commercial Banks; driven by the sharia function on adapts non-commercial purposes.
Penyuluhan Sertifikasi Produk dan Legalitas Usaha Bagi Pelaku Usaha Pada Sentra Industri Tahu dan Tempe di Kabupaten Konawe Selatan Tajuddin Tajuddin; Ernawati Ernawati; Muhammad Natsir; Nur Asizah; Manat Rahim; Ahmad Ahmad; Asrianti Dja’wa
Lumbung Inovasi: Jurnal Pengabdian kepada Masyarakat Vol. 7 No. 4 (2022): December
Publisher : Lembaga Penelitian dan Pemberdayaan Masyarakat (LITPAM)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/linov.v7i4.891

Abstract

Tujuan kegiatan pengabdian yaitu meningkatnya pemahaman dan minat pelaku usaha tentang urgensi sertifikasi produk pangan industri rumah tangga dan legalitas usaha. Peserta terdiri dari 16 pelaku usaha Industri Rumah Tangga  produk tahu dan tempe di Desa Lambusa, Kabupaten Konawe Selatan. Metode pelaksanaan melalui penyuluhan. Kegiatan pengabdian dilaksanakan dari aspek legalitas usaha dan jaminan keamanan produk. Evaluasi program menggunakan kuisioner pre-post kegiatan.  Berdasarkan hasil evaluasi, kegiatan pengabdian masyarakat telah efektif dilaksanakan yang ditunjukkan dengan peningkatan pemahaman peserta tentang urgensi dan prosedur sertifikasi produk dan legalitas usaha. Minat peserta untuk memiliki sertifikat produk pangan  berada pada kategori tinggi, sementara minat peserta untuk memiliki legalitas usaha berada pada kategori sangat tinggi.  Rekomendasi yang diajukan berupa upaya instansi terkait guna membuka akses yang lebih luas bagi pendaftaran legalitas usaha maupun sertifikasi produk pangan. Counseling on Certification and Business Legality at Tofu and Tempe Industry Centers in South Konawe Regency  The purpose of service activities is to increase understanding and interest of business actors regarding the urgency of the certification of household industry food products  and business legality. Participants consisted of 16 household industry Tofu  and Tempe products in Lambusa Village, South Konawe Regency. Implementation method through counseling. Service activities are carried out from the aspect of business legality and product safety guarantees. Program evaluation using the pre-post questionnaire activities. Based on the results of the evaluation, community service activities have been effectively implemented by increasing participants' understanding of the urgency and procedures of product certification and business legality. The interest of participants to have a food product certificate is in the high category, while the interest of participants to have business legality is in a very high category. Recommendations submitted in the form of relevant agencies' efforts to open wider access for registration of business legality and food product certification
Do foreign direct investment, trade and their interactions affect economic growth in Indonesia? Heppi Millia; Ernawati Ernawati; Heriberta Heriberta
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 11 No. 1 (2023): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v11i1.22698

Abstract

This study examines the direct and indirect impacts of foreign direct investment, exports, and imports on Indonesia's long-term and short-term economic growth. To this end, we used quarterly data for 2005.1–2021.4 sourced from Statistics Indonesia, the Bank of Indonesia, and the Bank of St. Louis. The analytical tools employed were the autoregressive model of the lag distribution (ARDL) and the error correction model (ECM-ARDL). Findings showed that foreign direct investment, exports, and imports directly affected Indonesia's economic growth. However, while the two formers had an impact only in the short run, the latter also did so in the long run. In addition, foreign direct investment also indirectly influenced economic growth through exports in the short and long run, whereas this was not the case with imports. Based on these findings, we argue for policy recommendations. To begin with, the government should encourage foreign direct investment, which may gradually replace imported raw materials with local raw resources, thereby creating an upstream connection while slowing the rate of imports. Furthermore, the government needs to adopt a policy of downstream processing of primary commodities into industrial commodities to increase export value and expand employment opportunities.
Studi Penyimpangan Internal pada Bank Umum Syariah di Indonesia Ernawati Ernawati
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 2 No 1 (2019): Sharia Economic: July, 2019
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v2i1.311

Abstract

Penelitian ini bertujuan untuk mengetahui dinamika penyimpangan internal (fraud pada Bank Umum Syariah di Indonesia. Penelitian menggunakan data sekunder periode 2011-2017 publikasi Bank Umum Syariah. Sampel penelitian terdiri dari 9 bank umum syariah yang ditentukan berdasarkan ketersediaan data. Analisis data digunakan berupa grafik, diagram, dan analisis pertumbuhan. Hasil penelitian menunjukkan bahwa penanganan kejadian fraud hanya berdampak selama 3 tahun. Angka kejadian fraud rata-rata selama periode penelitian sebesar 9,87 kasus per tahun per bank. Bank BCAS telah mampu menurunkan angka kejadian fraud mendekati nihil (zero fraud). Strategi penanganan fraud yang dilakukan oleh pihak Bank Umum Syariah yaitu menggunakan sarana pelaporan whistle blowing system yang dipergunakan oleh karyawan untuk melaporkan jika menemukan dan melihat perbuatan fraud yang dilakukan oleh karyawan. Pada sisi lain juga dibentuk unit kerja anti fraud. Namun efektifitas penerapan kedua strategi tersebut relatif berbeda pada setiap Bank Umum Syariah.
Murabaha Oriented at Sharia Banks in Kendari City Rahmat Rahmat; Ernawati Ernawati
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 3 No 2 (2021): Sharia Economic: January, 2021
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v3i2.1075

Abstract

The proportion of murabaha financing in sharia banking is more dominant than profit-sharing financing, so that Sharia banking behaves murabaha oriented. The study aims to determine whether the risk and the level of profit loss sharing financing have an effect on murabaha-oriented behavior in sharia banks. The research was conducted in Kendari City from January to April 2019 with four informants from the bank management. It is a descriptive quantitative research using percentage assistance. The results show that the risk factor for profit sharing financing is the most important consideration for sharia banks to choose murabaha financing, while the profit sharing rate received is a factor that is considered after the risk. The financing risk experienced by sharia banks in Kendari City is in the form of financing problems. Meanwhile, the profit sharing rate factor determines the murabaha oriented behavior which is driven by the lower rate of return for the results compared to murabaha financing.
The impact of final demand on energy sectors' interregional output Ernawati Ernawati; Muhammad Natsir; Mansyur Asri
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 11 No. 5 (2023): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v11i5.25044

Abstract

This study investigates the influence of aggregate demand on the interregional energy sector in Indonesia, aiming to ascertain whether the proximity of regions impacts the demand within the energy sector. Utilizing data from the Input-Output Indonesia Interregional Table, this research encompasses six regions: Sumatra, Java, Bali & Nusa Tenggara, Kalimantan, Sulawesi, and Maluku & Papua. The energy sectors analyzed include oil, gas & geothermal mining, coal & lignite mining, coal industry & oil, gas refinery, and electricity and gas procurement & ice production. Findings indicate that the electricity sector exhibits relatively high sensitivity and dispersion power indices, whereas the gas procurement & ice production sectors display low sensitivity and dispersion power indices. Exports are identified as the primary contributors to the Oil, Gas, & Geothermal Mining and Coal & Lignite Mining sectors. Conversely, household consumption has the most significant impact on the other sectors. Crucially, the study reveals that the effect of a region's final demand on the output of another region is not directly correlated with geographical proximity. This insight leads to the recommendation that energy supply procurement policies should consider other regions' demands and economic developments, particularly those substantially influencing output enhancement.
Do Digital Competitiveness and Government Efficiency Affect Macroeconomic? An Evidence From Asia-Pacific Countries Ernawati Ernawati; Muhammad Natsir; Mansyur Asri
ETIKONOMI Vol 23, No 2 (2024)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v23i2.34339

Abstract

Research Originality: This research divided the dimensions of digital competitiveness into knowledge, digital policy, and IT integration. The digital competitiveness variable was estimated simultaneously with government efficiency in influencing macroeconomic performance in Asia Pacific countries. This research proved the important role of responsive digital policies and government efficiency in driving the macroeconomy.Research Objectives: This research aimed to determine the effect of digital competitiveness and government efficiency on macroeconomic performance.Research Methods: Data was sourced from the International Institute for Management Development (IMD) publication from 2019 to 2022 for 13 Asia Pacific countries. The digital competitiveness considered in this research is knowledge, digital policy, and IT integration variables. Data was analyzed and processed using panel data regression.Empirical Results: The result showed that digital policy variables reduced macroeconomic performance, while government efficiency positively affected macroeconomic performance. Furthermore, the digital knowledge and IT integration variables did not significantly affect macroeconomic performance.Implications:  This research has significant implications for the development of responsive digital policies that promote macroeconomic performance. It also underscores the importance of governance by the government in controlling the high-cost economy to encourage productivity and macroeconomic performance. These implications provide valuable insights for policymakers and professionals in the field of economics and digital policy.JEL Classification: E60, H11, O39How to Cite:Ernawati, E., Natsir, M., & Asri, M. (2024). Do Digital Competitiveness and Government Efficiency Affect Macroeconomy? An Evidence from Asia Pacific Countries. Etikonomi, 23(2), 481-496. htttps://doi.org/10.15408/etk.v23i2.34339.
Co-Authors Abd. Azis Muthalib Ahmad Ahmad Ambo Wonua Nusantara Ambo Wonua Nusantara Ariani, Wa Ode Rachmasari Asri, Mansyur Asrianti Dja'wa Asrianti Dja’wa Asrianti Dja’wa Baheri Baheri Gamsir Gamsir Hasan Aedy Heppi Millia Heriberta Heriberta Ilyas Ilyas M. Natsir Manat Rahim Muhammad Natsir Muhammad Natsir Muhammad Natsir Muhammad Natsir Muhammad Rafiy Muhammad Syarif Muhammad Syarif, Muhammad Mulyati Akib Nita Hasnita Nur Afandi Nur Asizah Nur Asizah Purnamasari, Sri Ayuni Rahmat Rahmat Rosnawintang Rosnawintang Rosnawintang Rosnawintang Rosnawintang Rosnawintang Rostin Rostin, Rostin Ruslan, Salmiyanti Saemu Alwi Sagibran Agid Birambi Sagibran Agid Birambi Surianti Surianti Sutarno, Bambang Bintoro Syamsir Nur Tajuddin Tajuddin Tajuddin Tajuddin Vibriane, Erra Septy Wali Aya Rumbia, Wali Aya Wawo, Andi Basru Zainuddin Saenong Zainuddin Saenong, Zainuddin