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All Journal Studia Economica: Jurnal Ekonomi Islam Jurnal Ilmiah Ekonomi Islam EQIEN - JURNAL EKONOMI DAN BISNIS Justisia Ekonomika Reswara: Jurnal Pengabdian Kepada Masyarakat El-Qist : Journal of Islamic Economics and Business (JIEB) ABIDUMASY : Jurnal Pengabdian kepada Masyarakat Istismar : Jurnal Kajian dan Penelitian Ekonomi dan Bisnis Islam Diponegoro Journal of Islamic Economics and Business Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Amal: Jurnal Ekonomi Syariah At Tahfidz Jurnal Ilmu Al-Qur'an dan Tafsir Afkaruna: International Journal of Islamic Studies (AIJIS) Pelita: Jurnal Studi Islam Mahasiswa UII Dalwa BIMA : Journal of Business and Innovation Management LA RIBA: Jurnal Perbankan Syariah TIJAROTANA : Jurnal Ekonomi dan Bisnis Syariah JIES : Journal of Islamic Economics Studies Dinamis: Jurnal Pengabdian Kepada Masyarakat Jurnal Pengabdian Masyarakat Manage
Musfiroh, Anita
Universitas Hasyim Asy’ari Tebuireng Jombang
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Strategies to Improve Halal Tourism in Indonesia During The Pandemic Covid-19 Anita Musfiroh; Mugiyati Mugiyati; Aldi Khusmufa Nur Iman
Jurnal Ilmiah Ekonomi Islam Vol 7, No 2 (2021): JIEI : Vol. 7, No. 2, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (114.283 KB) | DOI: 10.29040/jiei.v7i2.2533

Abstract

The Covid 19 has had an impact on various sectors of human life. One of them is the tourism sector. The tourism industry which is predicted to be the second largest source of foreign exchange contributions for Indonesia has experienced a drastic decline. Likewise, the halal tourism sector has also been severely affected by the Covid 19 pandemic. This is because the key to developing the halal tourism sector is Muslim tourists or visitors who come. To revive the tourism sector, it requires a number of strategies prepared by the government to improve the economy in the halal tourism sector. The purpose of writing this article is to find out how the impact of Covid 19 on the halal tourism sector and how the strategy to revive the halal tourism sector during the Covid 19 pandemic. The method used in this study is a qualitative method with data collection techniques used is literature study. The results of the study state that the strategy to restore the halal tourism sector from the Covid 19 pandemic consists of 3 stages and recommendations for implementing health protocols. The existence of this strategy and also the health protocol is expected by the enthusiastic community to return to enliven the tourism sector, including halal tourism.
Position of DSN-MUI Fatwa No.79 of 2011 Concerning Qarḍ with Customer Funds in the Perspective of Maqāṣid Sharī‘ah Jasser Auda: Kedudukan Fatwa DSN-MUI. No: 79/DSN-MUI/III/2011 Tentang Qardh Dengan Menggunakan Dana Nasabah Perspektif Maqashid Syari‘ah Jasser Auda Muhammad Lathoif Ghozali; Anita Musfiroh
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 12 No. 2 (2022): el-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2022.12.2.211-224

Abstract

Abstract: This study will explain the DSN-MUI Fatwa No.79 of 2011 regarding the perspective of Maqāṣid Syari'ah according to Jasser Auda's approach theory. The method used in this study is qualitative with literature study by finding and collecting factual facts or information using the themes and topics that will be or are being researched. This study tries to explain that the system approach theory echoed by JasserAuda is not only rigid but also elastic. So it can be implemented in legal provisions by means of a surgical process through the application of the six-element method which is the criterion, namely cognitive elements, openness, comprehensiveness, interconnected or interrelated hierarchies, meaning, and multidimensionality. As a result, the position of Maqāṣid Sharī‘ah can be found, and of course, the provisions of the rules can be applied to people's lives with a wide range. Regarding the DSN-MUI Fatwa No. 79 of 2011 concerning Qarḍ, it is permissible to use customer funds because it fulfils the elements of the system theory applied by Jasser Auda. Indirectly, the theory of Jasser Auda's system approach is a tool or scale in dissecting the position of Maqāṣid Sharī‘ah against legal provisions that have been established or will be enforced. Keywords: Systems Theory, Jasser Auda, Qarḍ, DSN-MUI Fatwa.   Abstrak: Penelitian ini menjelaskan Fatwa DSN-MUI No.79 Tahun 2011 tentang Perspektif Maqāṣid Sharī‘ah menurut teori Jasser Auda. Metode yang digunakan dalam penelitian ini adalah kualitatif dengan model studi literatur yang mencari dan mengumpulkan fakta atau informasi faktual menggunakan tema dan topik yang akan atau sedang diteliti. Penelitian ini menjelaskan bahwa teori pendekatan sistem yang digaungkan oleh Jasser Auda bukan hanya teori kaku namun teori yang elastis juga. Sehingga dapat diimplementasikan dalam ketentuan hukum melalui proses pembedahan, melalui penerapan metode enam unsur yang menjadi kriterianya, yaitu unsur kognitif, keterbukaan, kekomprehensifan, hirarki yang saling berhubungan atau saling berkaitan, makna, dan multidimensionalitas. Alhasil, posisi Maqāṣid Sharī‘ah dapat ditemukan dan tentunya ketentuan aturannya dapat diterapkan dalam kehidupan masyarakat dengan jangkauan yang luas. Mengenai Fatwa DSN-MUI No. 79 Tahun 2011 tentang Qarḍ, boleh menggunakan dana nasabah, karena memenuhi unsur teori sistem yang diterapkan oleh Auda. Secara tidak langsung, teori pendekatan sistem Auda merupakan alat atau skala dalam membedah kedudukan Maqāṣid Sharī‘ah terhadap ketentuan hukum yang telah ditetapkan atau akan diberlakukan. Kata Kunci: Teori Sistem, Jasser Auda, Qardh, DSN-MUI Fatwa
PENGARUH BOPO DAN NPF TERHADAP PROFITABILITY (ROA) DI PERBANKAN SYARIAH INDONESIA: BOPO, NPF, profitabilitas, Bank Syariah safira, anggun; Sopingi, Imam; Anita Musfiroh
TIJAROTANA : Jurnal Ekonomi Dan Bisnis Syariah Vol 5 No 01 (2024): Tijatorana : Jurnal Ekonomi dan Bisnis
Publisher : TIJAROTANA : Jurnal Ekonomi dan Bisnis Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/tj.v5i01.62

Abstract

Abstract : Penelitian ini bertujuan untuk mengukur pengaruh Biaya Operasional terhadap Pendapatan Operasional (BOPO) dan Non-Performing Financing (NPF) terhadap profitabilitas Bank Syariah Indonesia. Profitabilitas diukur menggunakan Return on Assets (ROA) sebagai indikator kinerja keuangan bank. Data yang digunakan dalam penelitian ini merupakan data sekunder yang diperoleh dari laporan keuangan Bank Syariah Indonesia selama 6 periode dari tahun 2016 sampai 2024. Penelitian ini menggunakan pendekatan kuantitatif dengan metode deskriptif. Dan untuk mengetahui sejauh mana BOPO dan NPF mempengaruhi ROA peneliti menggunakan analisis regresi linier berganda melalui alat analisis progam SPSS. Hasil penelitian menunjukkan bahwa Variabel NPF memiliki pengaruh signifikan negatif terhadap ROA, yang berarti semakin tinggi NPF, semakin rendah profitabilitas bank, semantara itu, BOPO tidak berpengaruh signifikan terhadap ROA, yang berarti semakin tinggi BOPO tidak ada pengaruh pada profitabilitas bank. Temuan ini menunjukkan betapa pentingnya meningkatkan kinerja keuangan Bank Syariah Indonesia melalui efisiensi operasional dan pengelolaan risiko pembiayaan. Kata kunci: BOPO, NPF, profitabilitas, Bank Syariah Abstract: This study aims to measure the effect of Operating Costs on Operating Income (BOPO) and Non-Performing Financing (NPF) on the profitability of Bank Syariah Indonesia. Profitability is measured using Return on Assets (ROA) as an indicator of the bank's financial performance. The data used in this study are secondary data obtained from the financial statements of Bank Syariah Indonesia for 6 periods from 2016 to 2024. This study uses a quantitative approach with a descriptive method. And to find out the extent to which BOPO and NPF affect ROA, researchers use multiple linear regression analysis through the SPSS program analysis tool. The results of the study indicate that the NPF variable has a significant negative effect on ROA, which means that the higher the NPF, the lower the bank's profitability, meanwhile, BOPO does not have a significant effect on ROA, which means that the higher the BOPO has no effect on bank profitability. These findings show how important it is to improve the financial performance of Bank Syariah Indonesia through operational efficiency and financing risk management. Keywords: BOPO, NPF, profitabilitas, Bank Syariah
Nasikh Mansukh Menurut Jalaluddin Al Mahalli: Telaah Kitab Al Itqon Ulum Al Qur'an Sania Rahma Melani; Imam Sopigi; Anita Musfiroh
At-Tahfidz: Jurnal Ilmu Al-Qur'an dan Tafsir Vol. 6 No. 1 (2024): Desember 2024
Publisher : Program Studi Ilmu Al-Qur'an dan Tafsir

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/at-tahfidz.v6i1.959

Abstract

Penelitian ini bertujuan untuk mendalami konsep nasikh-mansukh menurut Jalaluddin Al-Mahali melalui analisis kitab Al-Itqan fi Ulum Al-Qur'an karya Al-Suyuti. Fokus utama penelitian ini adalah pandangan Jalaluddin Al-Mahali mengenai kriteria, mekanisme, dan penerapan nasikh-mansukh dalam memahami ayat-ayat Al-Qur'an. Tujuan tersebut diharapkan dapat memberikan gambaran yang lebih mendalam tentang metode beliau dalam membahas tema ini, yang sangat relevan dalam diskursus ilmu Al-Qur'an. Metode yang digunakan dalam penelitian ini adalah studi literatur dengan pendekatan analisis isi, di mana data dikumpulkan dari berbagai kitab tafsir dan literatur terkait. Hasil penelitian menunjukkan bahwa Jalaluddin Al-Mahali mengadopsi pendekatan yang selektif dan berhati-hati dalam menentukan ayat yang dianggap mansukh. Beliau menekankan pentingnya bukti yang kuat dan valid sebelum menyimpulkan tentang adanya naskh. Pendekatan ini lebih ketat dibandingkan dengan pandangan beberapa ulama lain yang cenderung lebih longgar dalam menetapkan status nasikh-mansukh. Selain itu, Jalaluddin Al-Mahali berupaya menjaga harmonisasi antara ayat-ayat Al-Qur'an, sehingga konsep nasikh-mansukh digunakan secara terbatas dan tidak diterapkan secara luas pada semua perbedaan hukum. Terdapat keterbatasan dalam penelitian ini terkait dengan minimnya akses terhadap karya asli Jalaluddin Al-Mahali, sehingga sebagian besar data berasal dari analisis dalam kitab Al-Itqan. Penelitian lanjutan disarankan untuk mengeksplorasi lebih dalam melalui manuskrip langsung atau membandingkan dengan karya tafsir lainnya. Keunikan penelitian ini terletak pada penekanan terhadap kehati-hatian dalam memahami nasikh-mansukh, yang memberikan implikasi berbeda dalam studi ilmu Al-Qur'an. Pendekatan ini relevan untuk menciptakan pemahaman yang lebih inklusif dan kontekstual dalam kajian Al-Qur'an di era modern.
PENGARUH BOPO, NON PERFOMING FINANCING, INFLASI TERHADAP RETURN ON ASSET PADA PERBANKAN SYARIAH DI INDONESIA Nurhayati, Dede; Sopingi, Imam; Musfiroh, Anita
AMAL: Jurnal Ekonomi Syariah Vol. 6 No. 02 (2024): Desember
Publisher : IAIN Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/eksy.v6i02.8175

Abstract

Operasional (BOPO), Non-Performing Financing (NPF), dan inflasi terhadap Return on Assets (ROA) pada perbankan syariah di indonesia. Analisis regresi linier berganda digunakan untuk menganalis data bulanan dari Juli 2019 hingga Juni 2022. Hasil penelitian menunjukkan bahwa BOPO dan Inflasi memiliki pengaruh negatif terhadap ROA, mencerminkan bahwa inefisiensi operasional dan inflasi tinggi menurunkan profitabilitas. Sedangkan NPF tidak berpengaruh terhadap ROA karena pembiayaan bermasalah tidak selalu berdampak langsung pada profitabilitas. Sementara dalam uji simultan BOPO, NPF, dan Inflasi secara bersamaan memiliki pengaruh signifikan terhadap ROA.
BAHTSUL MASAIL’S CRITICAL REVIEW OF FAKE ORDER ONLINE ON THE DIGITAL SHOPEE LIVE PLATFORM Yuni K, Kusnul Ciptanila; Musfiroh, Anita; Dardiri, Masyhudan; Nur Efendi, Mohamad; Santoso, Lukman
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 8 No 2 (2024): Desember
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v8i2.23937

Abstract

Selling online through various digital platforms is an alternative business. Many successful people have made huge profits from it. However, fraud, deception, the spread of fake accounts, and counterfeit transactions often occur and harm many people. This research explores the practice of buying and selling with bogus and counterfeit accounts on digital platforms. This research is qualitative research with a case study approach. Bahtsul Masail is the highest forum that discusses actual community problems for which no evidence or legal solution has been found. The answer to this problem was sought and taken from Politikul Mu'tabaroh. This research resulted in the finding that the law of asking buyers for postage in the above cases is not permitted because (1) the postage is not used correctly, instead as an additional income; (2) if the buyer knows this reality, it is inevitable that he will not be willing to pay the postage to the seller. It is not permitted because it is fraud. This study provides clarity on deviant buying and selling practices on digital platforms.
The Influence of Financial Knowledge and Islamic Behavior on Students' Interest in Sharia Investment Yuni K, Kusnul Ciptanila; Wahyudi, M. Adi Trisna; Musfiroh, Anita; Ali, Mohammad Haidar; Hidayat, Nurul; Dardiri, Masyhudan
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i2.21717

Abstract

This research explores the impact of financial knowledge and Islamic Behavior on students' investment interests in Islamic capital markets. The quantitative research method uses a questionnaire distributed online to students of the class of 2019-2023 at Hashim Ashari University's Faculty of Economics, with up to 80 participants participating. The study revealed that students' investment interest in the Islamic capital market is not significantly influenced by their financial knowledge but rather by the impact of their Islamic Behavior. This was demonstrated through an analysis. At the same time, financial expertise and Islamic Behavior influence students' interest in investing in Islamic capital markets. This finding is essential for understanding what drives business students' interest in investing in Islamic capital markets and how this affects the development of financial education programs and academic Behavior toward Islamic finance. The results of this study are intended to help develop more effective educational and promotional strategies to increase students' interest in investing in Islamic capital markets.
Pengaruh BOPO, BI Rate, NPF dan DPK Terhadap ROA Pada Perbankan Syariah Di Indonesia Wahyunitasari, Eka Dita; Sopingi, Imam; Musfiroh, Anita
Afkaruna: International Journal of Islamic Studies (AIJIS) Vol. 2 No. 1 (2024): September
Publisher : Universitas Islam Internasional Darullughah Wadda'wah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/aijis.v2i1.1981

Abstract

Islamic banking in Indonesia has shown rapid development in the last two decades. However, there are major challenges related to profitability as measured by Return on Assets (ROA). This study aims to analyze the effect of BOPO (Operational Costs to Operating Income), BI Rate, Non-Performing Financing (NPF), and Third Party Funds (DPK) variables on Return on Assets (ROA) in Islamic banking in Indonesia during the period 2019-2024. Quantitative methods with multiple linear regression are used to test the relationship between variables using financial report data published by the Financial Services Authority (OJK). The results of the study indicate that the BOPO and NPF variables have a negative effect on Return on Assets (ROA), while the BI Rate and DPK show no effect on ROA. The simultaneous test also proves that the independent variables affect Return on Assets ROA. These findings emphasize the importance of controlling operational costs and managing financing risks to increase the profitability of Islamic banks. The implications of the study indicate that optimizing operational efficiency and risk management can be key strategies in improving the financial performance of Islamic banking in Indonesia. This study contributes by showing that operational efficiency and financing risk management are essential to improving profitability in Islamic banking in Indonesia. In addition, this study also provides strategic insights for banks in improving their financial performance.
Optimalisasi Keterampilan Akuntansi untuk Meningkatkan Nilai Tambah Mahasiswa di Dunia Kerja Pertiwi, Dwi Ari; Agustina, Rachma; Ardiana, Meta; Rosyadi, M. Syam'un; Musfiroh, Anita; Widoyoningrum, Sri; Rodliyah, Iesyah
ABIDUMASY 2024: ABIDUMASY : JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The Merdeka Belajar Kampus Merdeka policy prepares students to participate in the global economy by encouraging them to learn about various topics outside of their area of competence (Ulum et al., 2023). From the analysis of the partner's situation, the problem faced by partners or the Sharia Economic Law Study Program, namely students of the Sharia Economic Law Study Program, Faculty of Islamic Religion, Hasyim Asy'ari University Tebuireng Jombang, is that the problem of students of the Sharia Economic Law study program is not getting accounting courses so that Students have no knowledge of accounting, whether basic accounting, service company accounting, and preparing financial reports, while one of the profiles of graduates from the Sharia Economic Law study program is to become an accountant, so training is very necessary to increase accounting knowledge. Keywords: Competitiveness, Accounting Skills
EDUKASI LITERASI HALAL PADA WIRAUSAHA GEN Z Haryanti, Peni; Sopingi, Imam; Hidayati, Athi'; Yuni K, Kusnul Cipta Nila; Musfiroh, Anita; Santoso, Rohmad Prio; Ali, Muhammad Haidar
ABIDUMASY 2024: ABIDUMASY : JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The number of Gen Z entrepreneurs in the 2024 KDLK Entrepreneurship Program at Unhasy who hold halal certification is less than half of the total participants. Additionally, their knowledge and understanding of halal assurance are limited. To address this issue, the Community Service Team from the Islamic Economics Study Program, Faculty of Economics at Unhasy, conducted a halal literacy education program for Gen Z entrepreneurs participating in the KDLK Entrepreneurship Program. Prior to this, the participants had never received similar halal literacy training. The program aims to enhance the quality of Gen Z entrepreneurs' products in the future through halal certification, enabling them to sustain and compete in the modern world. The activity also supports students without halal certification to independently register their businesses using the self-declare halal certification mechanism, facilitated by the community service team. The results show that all students in the KDLK Entrepreneurship Program successfully registered halal certification for their businesses.
Co-Authors Af’idah, Noer Agustina, Rachma Aizillalaa, Chicha Aldi Khusmufa Nur Iman Ali, Mohammad Haidar Ali, Muhammad Haidar Almujadidi, Muhammad Ardiana, Meta arsyad, dani Athi’ Hidayati Cholilah, Aprilinda Ummi Ciptanila Yuni K , Kusnul Dardiri, Masyhudan Dardiri, Masyhudan Daristin, Pipit Erika Dian Anisa Rokhmah Wati Dwi Ari Pertiwi Fajrul, Falah Falah, Fajrul Ghozali, Muhammad Lathoif Haryanti, Peni Hidayat, Nurul Hidayati, Athi' Imam Sopingi Kusnul , Ciptanila Yuni Kusnul Ciptanila Yuni K Lidia, Fika Sofiatul Lukman Santoso M. Adi Trisna Wahyudi M. Syam’un Rosyadi M. Zulfa ‘Ulumuddin Alwy Masalingi, Abdurrahman Mugiyati Mugiyati Muhammad Lathoif Ghozali Nadzivah, Izzatun Nizar Zakaria Nur Efendi, Mohamad Nurhayati, Dede Nurul Hidayat Peni Haryanti Putri, Nurdiana Rahman, Suad Nur rifardi, lailatul maghfiroh putri Rodliyah, Iesyah Rosyadi, M. Syam'un Roudhoutul Aulia Rochim safira, anggun Sania Rahma Melani Santoso, Rohmad Prio Shodiq, Jafar Sobaroh, Lutfia Wahyudi, M. Adi Trisna Wahyunitasari, Eka Dita Wakhidah, Alfina Rahmaniyah Widoyoningrum, Sri Yuni K, Kusnul Cipta Nila Yuni K., Kusnul Ciptanila