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All Journal Jurnal Ekonomi Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) ASAS : Jurnal Hukum Ekonomi Syariah Laa Maisyir Jurnal Ekonomi Islam I-Finance Journal Jurnal Dimensi Ekonomi Bisnis Jurnal Ilmiah Ekonomi Islam AT-Tahdzib: Jurnal Studi Islam dan Muamalah Jurnal Akuntansi Aktual Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal SOLMA Dinamisia: Jurnal Pengabdian Kepada Masyarakat Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Shirkah: Journal of Economics and Business Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Jurnal Review Pendidikan dan Pengajaran (JRPP) Jurnal Ekonomi Pembangunan JMK Jurnal Manajemen dan Kewirausahaan Al-Muamalat : Jurnal Ekonomi Syariah Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Society: Jurnal Pengabdian Masyarakat Jurnal Abdi Masyarakat Multidisiplin Asian Journal of Management Analytics Journal of Islamic Economics Lariba Maliki Islamic Economics Journal Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah At-Tahdzib: Jurnal Studi Islam dan Muamalah
Tiara Juliana Jaya
Fakultas Ekonomi, Universitas Islam Negeri Maulana Malik Ibrahim Malang
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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COMMUNITY EMPOWERMENT IN MANAGING DAIRY MILK INTO A SUPERIOR PRODUCT Tiara Juliana Jaya
 Jurnal Abdi Masyarakat Multidisiplin Vol. 1 No. 2 (2022): : Agustus: Jurnal Abdi Masyarakat Multidisiplin
Publisher : Asosiasi Dosen Muda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (259.033 KB) | DOI: 10.56127/jammu.v1i2.202

Abstract

The empowerment of dairy farmers in Indonesia has not been able to meet the needs of national milk demand. The research conducted is an effort to increase milk productivity. Each region has superior products that are expected to be able to become a foundation for the welfare of the community. One of the superior products of kradinan village is dairy cow's milk. With the existence of KKN DR UIN Malang, it is hoped that it will be able to provide assistance and community empowerment. The research method used is a qualitative descriptive approach. Data collection techniques include interviews, observations, documents, and focus group discussions and are refined by data triangulation. The results of KKM DR UIN Malang provide socialization of community utilization in creating superior products.
Exploration Of Risk Mitigation Practices For Problematic Financing In Bank Wakaf Mikro’s Tiara Juliana Jaya; Kurniawati Meylianingrum; Kholilah
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 6 No 2 (2022): Oktober
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v6i2.31398

Abstract

Financial technology; The objective of this study is to determine the development of Shariah fintech in Indonesia Maqashid al-shariah from its emergence to the present, to determine the role of Shariah fintech in the perspective of maqashid al-shariah, and to determine obstacles in the development of Shariah fintech. The research method used in this study is descriptive analysis method with a qualitative approach. The researcher performed a literature study to collect data from various sources that support the researcher’s chosen topic, i.e., all sharia fintech registered with OJK and licensed as of December 2020 associated with maqashid al-shariah. In general, Shariah fintech has fulfilled the principles of maqashid al-shariah. However, there are elements that need to be more strengthened. An example is the need for a governing regulation that separates Shariah fintech from conventional fintech regulation. This is because there are very different crucial elements and principles between these two types of fintech. As a suggestion for the development of Shariah fintech in the future, in addition to strengthening in terms of regulations, intense education related to Shariah fintech products is still needed to the wider community, especially to people who have great potential to become consumers but are not well-educated of new technologyes.
Halal Value Chain in the Holding Business: The Experience of Islamic-based School (Pesantren) in Indonesia Kholilah Kholilah; Kurniawati Meylianingrum; Tiara Juliana Jaya; Ahmed Tahiri Jouti
Shirkah: Journal of Economics and Business Vol 7, No 3 (2022)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v7i3.522

Abstract

This study constitutes a novel concept that provides a complete analysis of the holding business at an Islamic-based school (Pesantren) and the halal value chain. The halal value chain provides a standard for sharia-compliant production, distribution, or consumption activities. This case study was based in Pesantren Al-Rifa’ie, addressed in Malang East Java Indonesia. This study collected data through interviews, contract data, SOP, financial statements, BMT reports, and observation. The data were analyzed using the heuristic case study. The results showed that the holding business at Pesantren Al-Rifa'ie was in the form of a cooperative since it combines business units. The cooperative has funding, financing, and BMT activities. BMT is profit-oriented through establishing business units. Business units supporting the halal value chain were husbandry, bus rentals, and One Pesantren One Product (OPOP) starting from the input, process, and output. This research strengthens the New Institutional Theory and provides insight into the need for technical requirements to establish the company holding in Pesantren.
Analysis Of Differences In Returns Of Sharia Stocks Before And After The Announcement Of The Covid-19 Pandemic In Indonesia Nikmatul Aulia; Tiara Juliana Jaya
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 4 (2022)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (357.359 KB) | DOI: 10.30651/jms.v7i4.13336

Abstract

Abstract This study aims to determine the difference in returns on Jakarta Islamic Index stocks before and after announcing the COVID-19 pandemic in Indonesia. This type of research is quantitative with an event study approach. The data used is secondary data, with a sample of 30 Sharia stocks that are constituents of JII in the research period. Based on the results of hypothesis testing with the Wilcoxon signed rank test method obtained a catatonic significance value of 0.955 > 0.05 (alpha / degree of error). This value shows no significant difference in the return value of JII's sharia stocks before and after the COVID-19 announcement in Indonesia. The results of this study show that JII's sharia stocks are following the Fatwa of the Sharia Council (DSN-MUI) No.40 / DSN-MUI / X / 2003 concerning the Principles of Sharia Transactions in the Capital Market. AbstrakPenelitian ini bertujuan untuk mengetahui perbedaan return saham Jakarta Islamic Index sebelum dan sesudah pengumuman pandemi COVID-19 di Indonesia. Jenis penelitian ini kuantitatif dengan pendekatan event study. Data yang digunakan merupakan data sekunder, dengan sampel sebanyak 30 saham syariah yang menjadi konstituen JII pada periode penelitian. Berdasarkan hasil pengujian hipotesis dengan metode Wilcoxon signed rank test diperoleh nilai signifikansi asimtonik sebesar 0,955 > 0,05 (alpha/degree of error). Nilai tersebut menunjukkan bahwa tidak terdapat perbedaan yang signifikan pada nilai return saham syariah JII sebelum dan sesudah pengumuman COVID-19 di Indonesia. Hasil penelitian ini menunjukkan bahwa saham syariah JII telah sesuai dengan Fatwa Dewan Syariah (DSN-MUI) No.40/DSN-MUI/X/2003 tentang Prinsip-prinsip Transaksi Syariah di Pasar Modal.
PEMBERDAYAAN ORANGTUA DALAM MENGENALKAN FINANCIAL LITERACY PADA ANAK PRA SEKOLAH Tiara Juliana Jaya; Sandy Tegariyani Putri Santoso
Jurnal Review Pendidikan dan Pengajaran (JRPP) Vol. 6 No. 3 (2023): Volume 6 No. 3 2023
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jrpp.v6i3.19277

Abstract

Financial literacy merupakan salah satu bentuk kecakapan hidup yang menacakup cara menggunakan sumber daya keuangan dengan bijak. Financial litarcy perlu diberikan sejak usia pra sekolah agar anak dapat mencapai kesejahteraan hidup di usia dewasa. Kecakapan tentantang financial literacy pada anak usia dini perlu melibatkan orangtua sebagai orang yang paling terlibat dengan anak serta memiliki pengaruh langsung terhadap kondisi finansial pada anak. Kegiatan pengabdian kepada masyarakat dilakukan dengan metode participatory action research yang melibatkan secara aktif orangtua siswa di RA Sunan Ampel 02.Kegiatan pengabdian ini dilakukan melalui tahapan identifikasi masalah, perencanaan kegiatan, pelaksanaan kegiatan dan evaluasi. Hasil eevaluasi menunjukkan setelah mengikuti kegiatan pengabdian orangtua mememahami manfaat, ruang, lingkup, serta bagaimana cara membelajarkan financial literacy pada anak anak usia pra sekolah.
The Effect of Bank Performance and Macroeconomics on the Profitability of Indonesian Sharia Commercial Banks Sakinah Maulidah Mastniah Amin; Tiara Juliana Jaya
Al-Muamalat: Jurnal Ekonomi Syariah Vol 11, No 1 (2024): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v11i1.34141

Abstract

This study examines the relationship between the profitability of Islamic commercial banks with the functions of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Operating Expenses and Operating Income (BOPO), inflation, Gross Domestic Product (GDP), and interest rates. This quantitative study's monthly report of Islamic banking and the monthly report of statistical data for 2015-2022 are secondary data sources. A method used is called multiple linear regression analysis. Based on the results of research, CAR and NPF are significantly related to the profitability of Islamic commercial banks. In contrast, the results of BOPO, GDP, inflation, and interest rates have no significant relationship with Islamic commercial banks. ROA simultaneously affects CAR, NPF, BOPO, inflation, GDP, and interest rates. Based on the conclusions of this study. If Islamic banks want to maximize their profitability, they must maintain capital efficiency and stabilize non-performing financing and operational ratios.
THE EFFECT OF FINANCIAL RATIO ON FINANCIAL DISTRESS IN INDONESIA SHARIA COMMERCIAL BANKS Hananiyah, Wardah Mujadidah; Jaya, Tiara Juliana
I-Finance Journal Vol 9 No 2 (2023): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ifinance.v9i2.19180

Abstract

An early warning system can be implemented to anticipate the presence of financial distress, which will threaten financial problems. Altman Z-score is a tool for predicting a company's bankruptcy level by calculating several financial ratios. This study aimed to see whether finances can affect financial distress in Indonesian Islamic Banks. This study used Eviews software version 10 with panel data analysis techniques. The research object is the Indonesian Sharia Commercial Bank, which published semiannual financial reports from 2017-2022. Based on information on the official OJK website, there are 12 Islamic Commercial Banks, but only 9(nine) banks meet the sample criteria in this study. The results of the study show that ROA and CR have a significant positive effect on financial distress. Meanwhile, ROE and DER have a significant negative effect on financial distress. Unlike the case with NPF, which has no significant effect on financial distress.
The Effect of Macroeconomic and Microeconomic Variables on the Profitability of Sharia Commercial Banks in Indonesia Himma, Nurrosyida Latifa; Jaya, Tiara Juliana
Maliki Islamic Economics Journal Vol 4, No 1 (2024): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v4i1.26448

Abstract

This study aims to determine the influence of macro and microeconomic variables on the profitability of Sharia Commercial Banks in Indonesia. The sample determination in this study used purposive sampling techniques and produced seven samples of Sharia Commercial Banks used in this study. The dependent variables used consist of inflation, interest rates, Gross Domestic Product (GDP), Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Operating Expense to Operating Income (OEOI). The data analysis method used is panel data regression with e-views software version 12. The results of this study show that interest rate, GDP, and OEOI variables partially have a significant effect on the profitability of Sharia Commercial Banks, while inflation, NPF, and FDR variables partially do not have a significant effect on the profitability of Sharia Commercial Banks in Indonesia in 2017-2021. Meanwhile, based on the results of simultaneous tests, it was found that the variables of inflation, interest rates, GDP, NPF, FDR, and OEOI had a significant effect on the profitability of Sharia Commercial Banking 2017-2021.
Google Trends Analysis on Investor Sentiment on Stock Return Jakarta Islamic Index Meylianingrum, Kurniawati; Kholilah, Kholilah; Jaya, Tiara Juliana
Ekonomi Bisnis Vol 28, No 1 (2023): EKONOMI BISNIS March 2023
Publisher : Departemen Manajemen Fakultas Ekonomi dan Bisnis Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um042v28i1p14-20

Abstract

Investor sentiment arises when there is an event or event that affects people's lives such as pandemics, terrorism, wars, and economic conditions. The Covid 19 pandemic is an outbreak that has emerged and its spread is very fast around the world, so it requires people to stay at home to reduce the rate of transmission. This research was conducted to find out the positive and negative sentiment of investors towards the return of Jakarta Islamic Index shares. Positive and negative sentiment is induced from medical terms that appear on the google trends page. The method carried out is to use quantitative with a descriptive approach. The results obtained in this study are that investor sentiment, both positive and negative, partially and simultaneously has a significant positive effect on stock returns on the Jakarta Islamic Index. This shows that if there is a trust issue that is happening such as covid-19, war, data breaches, it can make investor sentiment change in choosing companies that issue stocks with data evidence taken from Google Trends to analyze the popularity of queries with keywords entered into search engines.
The impact of non-performing financing and operational efficiency on the stability of Islamic banks in Persian Gulf countries Salsabilla, Lathifah Zaina; Jaya, Tiara Juliana
Journal of Islamic Economics Lariba Vol. 10 No. 2 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss2.art1

Abstract

IntroductionIslamic banking has become an integral part of the global financial system, particularly in the Persian Gulf region. Due to its reliance on profit-sharing and non-interest-based operations, Islamic banking faces unique challenges in maintaining stability, particularly when financing problems arise. ObjectivesThis study analyzes the effect of Non-Performing Financing (NPF), operational efficiency, and input-output optimization on the stability of Islamic banks in the Persian Gulf countries. MethodThis study employs a quantitative approach using panel data regression models, specifically the random effects model (REM), to analyze data from 27 Islamic banks in eight Persian Gulf countries. The study includes classical assumption tests, such as normality, multicollinearity, and heteroscedasticity, followed by hypothesis testing using t-tests and F-tests.ResultsThe results indicate that both NPF and efficiency have significant negative impacts on the stability of Islamic banks. The t-test reveals that NPF has a probability value of 0.0447 and a negative coefficient, suggesting that higher NPF levels reduce bank stability. Similarly, operational efficiency, as measured by the input and output variables, also shows a negative influence on stability, with a probability value of 0.0435. The F-test confirms that NPF, input, and output significantly affect Islamic bank stability, with an F-statistic probability value of 0.038223.ImplicationsThese findings have important implications for the management of Islamic banks in the Persian Gulf countries. Effective management of NPF is critical for maintaining stability, and operational improvements in efficiency can also enhance financial performance. Islamic banks should focus on improving their financing practices, including better monitoring problematic loans and diversifying revenue streams to reduce reliance on financing income.Originality/NoveltyThis study contributes to the understanding of Islamic bank stability by exploring the combined effects of Non-Performing Financing (NPF) and operational efficiency on bank financial health. By focusing on Islamic banks in the Persian Gulf countries, this study highlights region-specific challenges and offers strategies for mitigating financial risks and enhancing bank resilience through better management of NPF and operational efficiency.
Co-Authors Ahmed Tahiri Jouti Ainindita Aghniacakti Alfakhirah, Nadirah Nur Amin, Sakinah Maulidah Mastniah Annisa Putri Nurdin Dharma Setyawan El Fahmi , Elok Fa`iz Fatma El Fahmi, Elok Faiz Fatma Ferliadi, Agus Salim Hananiyah, Wardah Mujadidah Hasnan, Odi Hermawan, Bagus Himma, Nurrosyida Latifa Inayatul Maula Kholilah Kholilah Kholilah Kholilah Kholilah Kholilah Kurniawati Meylianingrum Lutfi Ardhani Mahfudz Mahfudz Mahfudz Mahfudz Reza Fahlevi Mawardi, M. Ilyas Maysaroh, Watim Mega Noerman Ningtyas Misfi Laili Rohmi Muhammad Fatchullah El Islami Nikmatul Aulia Nur Laili Fikriah Nur Laili Fikriah Nur Syamsiyah Rohmi, Misfi Laili Roi Anju Immanuel Sakinah Maulidah Mastniah Amin Salsabilla, Lathifah Zaina Sandy Tegariyani Putri Santoso Sandy Tegariyani Putri Santoso Santoso, Sandy Tegariyani Putri Sari, Nurul Rusita Sarif, Reza Sholihah, Mar’atus Siti Zulaikha Yullina Devvie Sari