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All Journal Analisis: Jurnal Studi Keislaman Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Jurnal Akuntansi dan Pajak Jurnal Ilmiah Ekonomi Islam Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam ILTIZAM Journal of Sharia Economic Research FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam JESI (Jurnal Ekonomi Syariah Indonesia) Jurnal Mantik Economic Education and Entrepreneurship Journal El-Usrah: Jurnal Hukum Keluarga Jurnal Ilmiah Edunomika (JIE) Al-Muqayyad Revenue: Jurnal Manajemen Bisnis Islam Jurnal Ilmu Perbankan dan Keuangan Syariah Jurnal Ilmu Ekonomi dan Bisnis Islam Jurnal Terapan Manajemen dan Bisnis Al-Mashrof: Islamic Banking and Finance Al-Mu'awanah Bulletin of Community Engagement Golden Ratio of Finance Management Salam (Islamic Economics Journal) Cakrawala: Jurnal Studi Islam International Business and Accounting Research Journal Mutanaqishah: Journal of Islamic Banking Indonesian Journal of Islamic Economics and Finance KENDALI: Economics and Social Humanities Bukhori: Kajian Ekonomi dan Keuangan Islam Jurnal Penelitian dan Pengabdian Masyarakat Majapahit Journal of Islamic Finance dan Management Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Majapahit Journal of Islamic Finance dan Management Jurnal Rekognisi Ekonomi Islam (JREI) Jurnal Ekonomi, Manajemen, Akuntansi BAABU AL-ILMI: Ekonomi dan Perbankan Syariah

Gustika Nurmalia

Universitas Islam Negeri Raden Intan Lampung

Author-ID : 2441000

Religion Agriculture, Biological Sciences & Forestry Arts Humanities 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 Social Sciences Other

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Pengelolaan Desa Wisata Dengan Konsep Green Economy Dalam Upaya Meningkatkan Pendapatan Ekonomi Masyarakat Pada Masa Pandemi Covid-19 (Studi pada Desa Wisata di Provinsi Lampung dan Jawa Barat) Heni Noviarita; Muhammad Kurniawan; Gustika Nurmalia
Jurnal Akuntansi dan Pajak Vol 22, No 2 (2022): JAP : Vol. 22, No. 2, Agustus 2021 - Januari 2022
Publisher : ITB AAS INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jap.v22i2.3761

Keadaan Indonesia saat ini sedang kesulitan karena pandemi Covid-19, dimana banyak kegiatan atau tempat-tempat wisata yang sangat terdampak pada banyak sektor kehidupan masyarakat seperti kesehatan, sosial, pendidikan, ekonomi dan pariwisata. Sektor pariwisata merupakan sektor yang sangat terpukul.. Penelitian ini bertujuan untuk melihat pengelolaan desa wisata, dimana pengelolaannya yang berbasis masyarakat dan berkonsep green economy. Kemudian akan melihat bagaimana pandemi Covid-19 yang berdampak pada pendapatan masyarakat sebagai pengelola ataupun di sekitar desa wisata. Penelitian ini menggunakan jenis penelitian Obervasional analitik dengan menggunakan rancangan penelitian case control atau kasus kontrol. Penelitian ini termasuk ke dalam jenis penelitian yang menggunakan pendekatan kualitatif. Hasil penelitian ini menunjukan bahwa Seluruh desa wisata telah melakukan pengelolaan dengan menerapkan kosep green economy dan Pandemi covid-19 yang melanda memberikan dampak yang signifikan pada pelaku usaha wisata, tak terkecuali pengelola desa wisata.

Analisis Halal Tourism dalam Meningkatkan Laju Pertumbuhan Ekonomi di Provinsi Lampung Heni Noviarita; Muhammad Kurniawan; Gustika Nurmalia
Jurnal Ilmiah Ekonomi Islam Vol 7, No 1 (2021): JIEI : Vol. 7, No. 1, 2021
Publisher : ITB AAS INDONESIA Surakarta

Abstract The purpose of this research is to see tourist destinations in Prov. Lampung has the potential to become a sharia tourism, this is supported by an assessment of four aspects in tourist objects which include attractions, amenities, accessibility and ancillary. This research is descriptive analysis, the research data is obtained by distributing questionnaires, interviews and direct observation in 6 leading tourist destinations in Prov. Lampung which is the object of research. The results showed tourist destinations have advantages including adequate attractions by presenting scenic spots, supporting facilities and infrastructure for tourists, the availability of easily obtained information, and uniqueness with the concept of sharia in managing tourist attractions. However, there are still some weaknesses that need to be improved, including the absence of a guarantee of halal food products, the unavailability of adequate public transportation to get to tourist attractions, and no optimal cooperation between the government and managers. Halal tourism in Lampung Province has an opportunity due to the absence of sharia tourism in the Lampung area and it answers the needs of the Muslim community for Islamic tourism in Lampung. Keyword: Halal tourism, economic growth. Abstrak Tujuan penelitian ini untuk melihat destinasi wisata di Prov. Lampung memiliki potensi untuk menjadi wisata syariah hal tersebut didukung dengan penilaian empat aspek yang ada di objek wisata yang meliputi atraksi, amenitas, aksesibilitas dan ancillary. Penelitian ini bersifat deskriptif analisis, data penelitian diperoleh dengan meyebarkan kuesioner, interview dan observasi langsung di 6 destinasi wisata unggulan yang ada di Prov. Lampung yang menjadi objek penelitian. Hasil penelitian menunjukan bahwa destinasi wisata di Prov. Lampung memiliki potensi untuk menjadi wisata syariah hal tersebut di dukung dengan penilaian empat aspek yang ada di objek wisata yang meliputi atraksi, amenitas, aksesibilitas dan ancillary. Destinasi wisata memiliki keunggulan meliputi atraksi yang memadai dengan menyajikan spot pemandangan, sarana dan prasarana penunjang wisatawan, ketersediaan informasi yang mudah diperoleh, serta keunikan yang berkonsep syariah dalam pengeloaan tempat wisata. Namun, masih ada beberapa kelemahan yang perlu diperbaki yaitu meliputi belum adanya jaminan kehalalan produk makanan, belum tersedianya tranportasi umum yang memadai untuk menuju tempat wisata, serta belum terjalin kerjasama antara pemerintah dan pengelola secara optimal. Halal tourism di Provinsi Lampung memiliki peluang dikarenakan belum adanya wisata syariah di daerah Lampung dan memjawab kebutuhan masyarakat muslim akan pariwisata syariah di Lampung. Keyword: Halal tourism, pertumbuhan ekonomi.

FINANCIAL AND NON-FINANCIAL FACTORS AFFECTING THE RATING OF SUKUK: PANEL DATA ANALYSIS ON SHARIA BANKING COMPANIES REGISTERED ON THE INDONESIA STOCK EXCHANGE Gustika Nurmalia
FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Vol 4, No 1 (2021): APRIL
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/jf.v4i1.592

AbstrakPasar modal memainkan peranan yang penting dalam dunia perekonomian. Instrument investasi yang berkembang di pasar modal tidak hanya instrument investasi konvensional saja, namun ada juga instrument yang berdasarkan pada prinsip syariah, salah satunya sukuk. Salah satu hal yang mendukung pesatnya perkembangan sukuk adalah rating. Rating atau peringkat sukuk menjadi pertimbangan penting sebagai sumber informasi dan signal mengenai kemungkinan kegagalan hutang dan resiko yang ditanggung oleh perusahaan yang menjadi emiten. Beberapa faktor keuangan yang diproksikan dalam Size (Ukuran Perusahaan) dan rasio keuangan yaitu Leverage. Dan faktor non keuangan yaitu Audit Tenure merupakan aspek-aspek yang dapat menjadi fakto acuan bagi investor dalam berinvestasi. Penelitian ini merupakan penelitian kuantitatif, dengan objek penelitian perusahaan perbankan syariah yang menerbitkan sukuk dan terdaftar di BEI serta terdaftar dalam peringkat sukuk yang dikeluarkan oleh PT. PEFINDO sebagai penyedia data sekunder berupa nama-nama perbankan syariah yang masuk dalam peringkat sukuk dan laporan keuangan perusahaan sektor perbankan syariah periode 2015 – 2019. Teknik analisis data yang digunakan yaitu regresi panel data dengan melakukan pemilihan teknik estimasi berupa chow test dan hausman test. Hasil penelitian menunjukan bahwa variabel Size tidak berpengaruh signifikan terhadap peringkat sukuk pada perusahaan perbankan syariah, maka seberapapun besarnya total asset suatu perusahaan tidak akan mempengaruhi prediksi peringkat sukuk. Kemudian variabel Leverage berpengaruh positif dan signifikan terhadap peringkat sukuk pada perusahaan perbankan syariah, kenaikan rasio leverage akan berpengaruh terhadap peringkat sukuk. Hal ini disebabkan dengan tingginya penggunaan utang mengakibatkan tingginya risiko kebangkrutan dan kegagalan perusahaan. Variabel selanjutnya adalah Audit Tenure tidak berpengaruh signifikan terhadap peringkat sukuk perusahaan perbankan syariah, jangka waktu penugasan audit tidak memiliki pengaruh terhadap peringkat sukuk perusahaan. Berdasarkan uji determinasi R square bahwa variabel Size, Leverage dan Audit Tenure mempengaruhi peringkat sukuk sebesar 69.7% sedangkan sisanya 30.3% dipengaruhi oleh faktor lain yang tidak dimaksud dalam penelitian ini.

STUDI KOMPARATIF ANALISIS EFISIENSI KINERJA PERBANKAN SYARIAH DI INDONESIA ANTARA METODE DATA ENVELOPMENT ANALYSIS (DEA) DAN STOCHASTIC FRONTIER ANALYSIS (SFA) Putri Monica Sari; Moh. Bahrudin; Gustika Nurmalia
FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Vol 3, No 1 (2020): April
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Semakin banyaknya pertumbuhan perbankan syariah menimbulkan adanya persaingan antar perbankan syariah dengan berbagai bentuk produk dan pelayanan yang diberikan. Oleh karena itu diperlukan pengukuran tingkat efisiensi kinerja perbankan syariah. Efisiensi merupakan salah satu aspek yang penting dalam melihat kemampuan bank syariah untuk bertahan dan menghadapi persaingan industri perbankan di indonesia. Penelitian ini bertujuan untuk mengetahui efisiensi kinerja perbankan syariah di Indonesia tahun 2014- 2018 dan untuk mengteahui perpektif islam mengenai efisiensi. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif dengan populasi bank syariah devisa yang berjumlah lima bank dan berdasarkan teknik pengambilan sampel purposive sampling, sampel dalam penelitian ini sebanyak 4 bank. Sumber data yang digunakan adalah data skunder. Metode analisis data yang digunakan adalah metode data envelopment analysis (DEA) dan stochastic frontier analysis (SFA) .Hasil penelitian menunjukkan bahwa berdasarkan pengukuran menggunakan metode DEA dengan pendekatan CRS dari 4 BUS devisa pada periode 2014-2018. Terdapat 2 bank pada tahun tertentu memiliki nilai efisiensi <81%, yaitu bank mega syariah 30,38% (tidak efisien) pada tahun 2014, bank muamalat 77,47% (efisiensi sedang) pada tahun 2018. Pada metode SFA menunjukan mean efficiency sebesar 0,3808 dan hanya terdapat 1 bank saja yang mengalami efisiensi tinggi dibandingkan ketiga bank lainnya yang masuk kedalam kategori tidak efisien.

GREEN BANKING DAN RASIO KECUKUPAN MODAL MEMPENGARUHI PERTUMBUHAN LABA BANK UMUM SYARIAH DI INDONESIA Gustika Nurmalia
FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Vol 4, No 2 (2021): NOVEMBER
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/jf.v4i2.690

The research objective is to determine the effect of green banking and the capital adequacy ratio on the profit growth of Islamic commercial banks in Indonesia in 2016 – 2019 and analyze Islamic views regarding Green Banking. This study is a quantitative study using secondary data in the form of a published annual report and samples taken from the financial statements of 9 Islamic commercial banks for the 2016-2019 period. The researcher uses the green coin rating indicator in measuring green banking and CAR as an independent variable and then profit growth as the dependent variable. The data analysis technique used is panel data regression with Eviews 11 software. The results of the research that the partial test shows that there is no effect between green banking and CAR and profit growth. This happens because banks have only begun to optimally implement green banking in 2019. And banks are too stable to maintain CAR above 8% and even increase every year, but profit growth decreases every year and there are even negative numbers. Meanwhile, the independent variables simultaneously affect the dependent variable. Islam teaches not to do damage and optimize capital so that the green banking concept is in line with sharia principles.

Analisis Pelaporan Zakat, ICSR, Dewan Pengawas Syariah dan Leverage dalam Mengungkapkan Kinerja Bank Umum Syariah di Indonesia Gustika Nurmalia; Yudhistira Ardana
Cakrawala: Jurnal Studi Islam Vol 14 No 2 (2019)
Publisher : Universitas Muhammadiyah Magelang

This study aims to empirically prove the influence of zakat reporting, ICSR, sharia supervisory board and leverage on company performance at Islamic Commercial Banks with an observation period of 2016-2018. The sample in this study is 11 BUS with purposive sampling. Data analysis uses multiple linear regression analysis. The results indicate that the zakat reporting and sharia supervisory board have a significant effect on BUS performance, while ICSR and leverage have no significant effect on performance

Analisis Kebijakan Struktur Modal Berdasarkan Pot dan Tot Persepektif Ekonomi Syariah Iva Faizah; Gustika Nurmalia
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 10, No 2 (2020)
Publisher : Universitas Alma Ata

This study aims to look at the capital structure of firms listed on the JII index (Jakarta Islamic Index), whether to the Packing Order Theory, where the Packing Order Theory or POT is the theory of the company's capital structure in which the order of the company's capital structure is derived from 1). Corporate Internal Funds, 2). Debt and 3). Issuance of Shares. Meanwhile, Trade of Theory or TOT is a balancing between debt benefits and the use of debt will give advantage to the company itself in the form of Tax Shield or reduction of corporate tax burden. The object of this research is 13 companies that entered into JII Index during period december 2013 –November 2018 with 39 data that prossed The data were processed by multiple linear regression with the dependent variable in the form of Leverage Ratio proxied by Debt to Equity Ratio (DER) and Independent variable of Profitability and Liquidity Ratio both proxied in sequence with Return on Assets (ROA) and Currency Ratio (CR), which then analyzed with perspective Islamic economics. The result of research shows that the structure of capital of indexed companies in Jakarta Islamic Index is more likely to use the pattern of capital structure policy based on Packing Order Theory, where the proportion of Debt to Equity Ratio or proportion of debt to capital is not more than 50% in half of the listed companies.

The Effect of Financial Performance and Reinsurance on The Deficit in The Balance of Payments of Insurance in Indonesia Erike Anggraeni; Gustika Nurmalia; Dewi Tradena
International Business and Accounting Research Journal Vol 6, No 2 (2022): July 2022
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Islam Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35474/ibarj.v6i2.249

Insurance regulation in Indonesia is important to be implemented because the balance of payments for insurance services is in deficit. The insurance industry in Indonesia does not have sufficient capacity to absorb all potential risks exist in the country so that it partners with foreign assurers which then has an impact on the balance of payments deficit. If not addressed immediately, it will harm the country's economy so prosperity will be difficult to achieve. This study aims to see the effect of financial performance and reinsurance on the insurance balance of payments deficit in Indonesia. The method used in this study was quantitative using secondary data in the form of time-series data obtained from the Financial Services Authority. Data collection uses documentation in the form of quarterly data starting from 2010Q1-2019Q4. The total sample was 40 samples. The collected data was then analyzed using multiple-linear regression. The results of this study indicate that financial performance and reinsurance have a significant effect simultaneously and partially on the deficit in the insurance balance of payments in Indonesia. The coefficient of determination of 0.507 or 50.7%, means that the ability of independent variables; financial performance and reinsurance in explaining the deficit in insurance balance of payments in Indonesia for the 2010-2019 period was 50.7% and 49.3% was influenced by other variables that were not studied.

Utilizing the Banking System For Digital Waqf Behavioral Approach of Millennial Muslims Anggareni, Erike; Nurmalia, Gustika; Ja'far, A. Kumedi
El-Usrah: Jurnal Hukum Keluarga Vol 7, No 1 (2024): EL-USRAH: Jurnal Hukum Keluarga
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ujhk.v7i1.22562

The objective of this study is to analyze the influence of the digital sharia banking system on cash waqf among the millennial population in the Sumatran Island. This study is a quantitative research that focuses on the millennial generation in the Sumatran Island. The sample size for this study consists of 349 respondents. The data analysis approach employed is the Partial Least Squares (PLS) Test utilizing smart PLS software version 7.0. The findings indicate that Perceived Usefulness (PU) does not exert a substantial impact on the decision to waqf money. This implies that the level of benefits experienced by users of the digital sharia banking system does not have the ability to affect the decision to donate money through waqf. The perceived ease of use (PEU) positively and significantly influences the decision to waqf money. This implies that the higher the comfort felt by the millennial generation through the digital sharia banking system, the more likely they are to decide to waqf money. The sense of the surrounding environment, known as Subjective Norm (SN), has a positive and considerable influence on the decision to waqf money through the digital sharia system. Hubristic Pride (HP) does not exert a substantial influence on the inclination to donate money through the digital sharia system, indicating that the decision of the millennial generation to engage in this practice is not driven by hubris pride in the form of narcissism.

The Impact of Rupiah Exchange Rate and Crude Palm Oil (CPO) Export Value on the Gross Regional Domestic Product (GRDP) of Lampung Province: An Islamic Economic Perspective, 2013-2022 Anggraini, Dini; Ghofur, Ruslan Abdul; Nurmalia, Gustika
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol 1, No 1 (2024): Special Edition: International Conference on Islamic Economics (ICOIE)
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v9i1.9845

GRDP in Lampung province is still experiencing fluctuations, which has increased from 2013-2019. Then, in 2020 GRDP will decrease and will increase again in 2021-2022. The research method used is quantitative. The data source used in compiling this research is secondary data in the form of a time series, which was processed using EViews 10. Data obtained from BPS Lampung province includes data on the rupiah exchange rate, the value of CPO exports and the GRDP of Lampung province in 2013-2022. The results showed that partially, the rupiah exchange rate variable had a positive and significant effect on the GRDP in Lampung province in 2013-2022, and the CPO export value variable had no significant effect on the GRDP in Lampung province in 2013-2022. Meanwhile, the f (simultaneous) test shows that the rupiah exchange rate and the value of CPO exports jointly affected GRDP in Lampung province in 2013-2022. GRDP, in the perspective of Islamic economics, will affect tax revenues by increasing waqf, zakat, alms and other income taxes which will have a good impact because increasing regional revenue is expected to increase welfare and economic growth.

Co-Authors A, Novia A. Kumedi Ja’far A. Zuliansyah Agus Kurniawan Agus Kurniawan Ahmad Habibi ahmad habibi Ahmad Habibi Ahmad Hazas Syarif Ahmad, Syukron Aina Nur Ajizah, Syifa Akbar, Tulus Rizkon Andita, Maulian Andriansyah Bastian Andriyani, Rizki Anggareni, Erike Anggrayani, Viki Any Eliza Apita Sari Arisca, Nurmalita Asriani Asriani Asriani Asriani, Asriani Assya Octafany Astarika, Dela aulia, zahara Awang Ulianti Ayasar, Prayogi Putra Azizah, Novi Nur Bittaqwa, Bry Bima Dalimunthe, Nindytia Puspitasari Dedi Satriawan Dewi Tradena Dini Anggraini, Dini Erike Anggraeni Farhana, Nur Laila Femei Purnamasari, Femei H, Clarissa Novianti Handayani, Ani Heni Noviarita Herfina, Inne Dwi Heri, Mad Irfansyah, Nanda Iva Faizah Juwita, Safna Khavid Normasyhuri Kori Saumanisa Mardhiyah Hayati Marfilia, Alda Mariska, Uut Maulian Andita Moh. Bahrudin Muhammad Iqbal Fasa Muhammad Kurniawan Muhammad Kurniawan Mutiasari Nur Wulan Mutiasari Nur Wulan Normasyhuri, Khavid Novia A Nur'aini, Aninda Nurhidayah, Wulan Nurul Husna octafany, assya Putri Dwi Alfiani Putri Monica Sari Putri, Aprila Sari Ardini Rahman, Nabilli Ramadhan, Andika Dian Ramadhani, Mutiara Repika Reza Amanda Bahtiari Reza, Aditya Okta Ridwansyah Ridwansyah Ridwansyah Ruslan Abdul Ghofur Sari, Defya Sari, Putri Wulan Suhendar, S. Susanto, Is Syarif, Hazas Syukron Ahmad Tedi Rusman Tri Novita Sari, Tri Novita Ujang Hanief Musthofa Wahyu Iryana Wulan, Mutiarasari Nur Wulan, Mutiasari Nur Yudhistira Ardana Yudhistira Ardana, Yudhistira Zathu Restie Utamie Zuliansyah, A

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