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All Journal Signifikan : Jurnal Ilmu Ekonomi ETIKONOMI Jurnal Bisnis dan Ekonomi Economic Journal of Emerging Markets Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) MEDIA EKONOMI & TEKNOLOGI INFORMASI JEJAK Trikonomika: Jurnal Ekonomi Media Ekonomi dan Manajemen Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) INFERENSI Assets : Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Penelitian Ekonomi dan Bisnis Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan MEDIA Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Jurnal Ekonomi Syariah Teori dan Terapan LEGITIMASI: Jurnal Hukum Pidana dan Politik Hukum HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah Prosiding Seminar Nasional IPTEK Terapan (SENIT) 2016 Pengembangan Sumber Daya Lokal Berbasis IPTEK E-Dimas: Jurnal Pengabdian kepada Masyarakat Jurnal Ilmiah Ekonomi Islam Jurnal REKOMEN (Riset Ekonomi Manajemen) Halaqa : Islamic Education Journal Economica: Jurnal Ekonomi Islam Jurnal Dinamika Ekonomi dan Bisnis al-Uqud : Journal of Islamic Economics JEPA (Jurnal Ekonomi Pertanian dan Agribisnis) Numeracy : Jurnal Ilmiah Pendidikan Matematika Jurnal Ilmiah Al-Syir'ah Jurnal Organisasi Dan Manajemen Jurnal Ekonomi & Keuangan Islam EKO-REGIONAL JURNAL PENGEMBANGAN EKONOMI WILAYAH Jurnal Basicedu Shirkah: Journal of Economics and Business YUME : Journal of Management IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam EKUITAS (Jurnal Ekonomi dan Keuangan) Jurnal Ilmu Manajemen dan Akuntansi Terapan Iqtishodia: Jurnal Ekonomi Syariah Studi Kasus Inovasi Ekonomi Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Syar'Insurance: Jurnal Asuransi Syariah JES (Jurnal Ekonomi Syariah Jurnal Pasopati : Pengabdian Masyarakat dan Inovasi Pengembangan Teknologi Eksponen Jurnal Pengabdian Masyarakat Indonesia IJORER : International Journal of Recent Educational Research Hipotenusa: Journal of Research Mathematics Education (HJRME) Islamiconomic: Jurnal Ekonomi Islam Nusantara Islamic Economic Journal Diponegoro Journal of Islamic Economics and Business Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Jurnal Basicedu Al-Irsyad: Journal of Education Science Jurnal Studi Manajemen Bisnis Journal of Finance and Islamic Banking Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Ilmiah Ultras
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Analysis of determining optimal portfolio in BPKH’s portfolios using Tangency Portfolio model Agam Maulana Ardi; Darwanto Darwanto
Jurnal Ekonomi & Keuangan Islam Volume 9 No. 2, July 2023
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol9.iss2.art3

Abstract

Purpose – This study aims to analyze the actual portfolio of BPKH from the hajj fund investment and examine the optimization investment portfolio for BPKH based on PP No.5 Tahun 2018.Methodology – The data used in this study was quarterly in the form of price and coupon for Sukuk instruments and the equivalent of yield rate for Sharia deposits. This study uses the Markowitz Diversification method with the Tangency Portfolio model as a model to determine optimal portfolio. Findings – The result of this study showed that BPKH’s actual portfolios in 2018 and 2019 can’t be determined as efficient portfolios and the optimal portfolio. Meanwhile, BPKH’s actual portfolios in 2020 and 2021 are included as efficient portfolios but not optimal portfolio. The result of an optimal portfolio in this study has a composition as follows: 30% of Sharia deposits, 5,60% of SBSN, and 64,40% of SDHI.Implication – The finding of an optimal portfolio can recommend BPKH to allocate most of the hajj fund in SDHI than SBSN because the SBSN has high risk and still to allocate in Sharia deposits as worth maximum based on regulation in PP No.5 Tahun 2018. BPKH needs to diversify hajj fund investment wider such as Lembaga Tabung Haji (LTH) has done in Malaysia.Originality – This study contributes to evaluate of whether BPKH’s actual portfolios in the first third years since BPKH operation and after the first third years of BPKH operation are efficient and optimal or not. Furthermore, this study provides a combination of instruments in the scenario optimal portfolio.
Performance Analysis of Islamic Micro Finance Institutions on Sustainable Rural Development in Indonesia Aan Zainul Anwar; Edi Susilo; Fatchur Rohman; Purbayu Budi Santoso; Edy Yusuf Agung Gunanto; Darwanto Darwanto
Journal of Finance and Islamic Banking Vol. 3 No. 2 (2020)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v3i2.2965

Abstract

This study aims to analyze the influence of the performance of Islamic microfinance institutions (MFIs) in strengthening the agricultural and fisheries sector to realize sustainable rural development. The study uses quantitative method and purposive sampling method. The sample of this study was 85 agricultural and fishery business actors in Central Java, Indonesia. The variable quality of service, accessibility and philanthropic characteristics of Islamic MFIs towards sustainable rural development which mediated by strengthening of the agricultural and fisheries sector. The urgency of this research is to establish a financing model for the agriculture and fisheries sector. This study uses primary data which collected through filling out the questionnaires by business actors in the agriculture and fisheries sector. The results showed that 1) the service quality of Islamic MFIs had no impact on strengthening the agricultural and fisheries sector 2) accessibility of Islamic MFIs had a positive impact on strengthening the agricultural and fisheries sector 3) philanthropic characteristics had a positive impact on strengthening the agricultural and fisheries sector 4) strengthening the agriculture and fisheries sector has a positive impact on sustainable rural development. This research can be used as a model for channeling customer funds to finance Islamic MFIs 
DETERMINAN PERMINTAAN ASURANSI SYARIAH DI INDONESIA: ANALISIS VARIABEL MAKROEKONOMI Cahayati, Sakina; Darwanto, Darwanto; Ardani, Mochammad
Syar'Insurance: Jurnal Asuransi Syariah Vol. 8 No. 1 (2022): Juni 2022
Publisher : UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/sijas.v8i1.6150

Abstract

Penelitian ini menganalisis faktor-faktor yang mempengaruhi permintaan asuransi syariah di Indonesia. Metode analisis yang digunakan dalam penelitian ini adalah Autoregressive Distributed Lag - Error Correction Model (ARDL-ECM) dengan rangkaian data bulanan dari Januari 2015 sampai Desember 2019. Hasil estimasi ARDL-ECM model (1,0,0,0,0,0) menunjukan bahwa permintaan asuransi syariah tidak bergantung pada variabel inflasi dan premi asuransi konvensional dalam jangka pendek dan panjang. Adapun permintaan asuransi syariah ditentukan oleh pendapatan perkapita masyarakat, SBIS rate, dan pertumbuhan sektor keuangan dalam jangka pendek dan panjang.
Kesulitan Belajar Menggunakan Media Pembelajaran Berbasis Power Point pada Mahasiswa PGSD Saat Pembelajaran Daring Selama Pandemi Covid-19 Darwanto, Darwanto; Apriza, Berta
Jurnal Basicedu Vol. 5 No. 6 (2021)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/basicedu.v5i6.1700

Abstract

Kesulitan matematika memiliki karakteristik tertentu yaitu kesulitan dalam memproses informasi, kesulitan yang berkenaan dengan kemampuan bahasa dan membaca, dan kecemasan matematika. Penyampaian materi matematika menggunakan media pembelajaran  power point dalam bentuk praktis dan hanya point-pont saja, akan membuat proses kemampuan kognitif peserta didik rendah. Sehingga dalam menerapkan dan menganalisis permasalahan pada matematika tidak diselesaikan dengan baik. Aspek kesulitan belajar matematika dalam materi pelajaran yang menggunakan media pembelajaran power point pada pembalajaran daring selama pandemi COVID-19 menjadi permasalahan dalam penelitian ini. Tujuan dari penelitian ini yaitu menganalisis kesulitan belajar mahasiswa Pendidikan Guru Sekolah Dasar Universitas Muhammadiyah Kotabumi dalam materi matematika yang menggunakan media pembelajaran power point selama pandemi COVID-19. Penelitian ini merupakan penelitian studi kasus. Hasil penelitian ini diperoleh bahwa peserta didik (mahasiswa) ketika melaksanakan pembelajaran khusunya metematka cukup kesulitan jika menggunakan media power point.  Secara keseluruhan media power point masih dikategorikan cukup layak untuk digunakan dalam embelajaran matematika.
Bahan Ajar Digital Sebagai Alternatif Pembelajaran Jarak Jauh dan Mandiri (Pengembangan Bahan Ajar Mata Kuliah Teori Graf) Darwanto, Darwanto; Meilasari, Venty
Jurnal Basicedu Vol. 6 No. 1 (2022)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/basicedu.v6i1.2119

Abstract

Tujuan penelitian ini adalah diperolehnya produk berupa bahan ajar teori graf berbasis digital. Bahan ajar tersebut diharapkan mampu memfasilitasi pembelajaran jarak jauh mahasiswa dan juga pembelajaran mandiri mahasiswa. Masa New Normal (pasca) Covid-19, media digital memainkan peranan yang sangat penting dalam menyukseskan pembelajaran jarak jauh dan juga pembelajaran mandiri. Terdapat dua poin penting yang harus diperhatikan dalam mengembangan bahan ajar yaitu: (1) Bahan ajar harus uptodate/sesuai dengan perkembangan yang paling mutakhir (berbasis digital); dan (2) Bahan ajar harus disesuaikan dengan karakteristik mahasiswa atau pembaca yang akan menggunakanya. Metode yang digunakan adalah Penelitian dan pengembangan (R&D). kegiatan yang dilaksanakan pada penelitian adalah: (1) tahapan identifikasi masalah; (2) pengumpulan data (pengumpulan referensi); (3) menyusun desain bahan ajar (buku) digital; (4) memvalidasi desain bahan (buku) ajar kepada validator yang kompeten dibidangnya; (5) melakukan revisi desain bahan (buku) ajar; (6) mengujicobakan bahan (buku) ajar digital secara terbatas; dan (6) merevisi bahan (buku) ajar jika hal-hal yang kurang/perlu diperbaiki. Produk yang dihasilakan berupa sebuah bahan ajar berbentuk digital yang dapat digunakan pada OS Android. Validitas bahan ajar tergolong dalam kategori baik.  Bahan ajar ini ditujukan sebagai alternatif pada pembelajaran jarak jauh dan pembelajaran secara mandiri bagi mahasiswa Pendidikan Matematika Universitas Muhammadiyah Kotabumi atau mahasiswa di luar Universitas Muhammadiyah Kotabumi yang menempuh mata kuliah Graf.
Good Corporate Governance and Maqashid Sharia Performance in Southeast Asian Sharia Banking Yulianto, Mohammad Dedi; Darwanto, Darwanto; Syifaaussakinah, Syifaaussakinah
Al-Tijary Vol 9 No 1 (2023): AL-TIJARY VOL. 9, NO. 1, DESEMBER 2023
Publisher : Faculty of Islamic Economics and Business Sultan Aji Muhammad Idris State Islamic University Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/at.v8i2.5981

Abstract

Islamic banking has the characteristics of an operation that uses a profit-sharing system, and its main goal is to achieve Falah. This also affects the performance measurement of sharia banking, which also adapts to these two characteristics. One method of measuring the performance of Islamic banking is to use the Maqashid -Based Performance Evaluation Model (MPEM) method. This study aims to prove the effect of good corporate governance variables (board of commissioners, independent commissioners, sharia supervisory board, and audit committee) on the performance of Islamic banking based on the MPEM method. This study uses secondary data obtained from 20 Islamic banks in 4 Southeast Asian countries from 2016 to 2020 observation years. The method used a panel regression model with the random effect as the chosen model. This study found that the board of commissioners and the audit committee have a negative effect on the performance of Islamic banking in Southeast Asia based on Maqashid Sharia. The ratio of the independent commissioners and the sharia supervisory board doesn’t affect the performance of Islamic banking, and the average Maqashid performance index of sharia banking is only around 12.7%. The implication of this study is moreover, to help navigate the Shari‘ah identity through the implementation of an effective Good Corporate Governance (GCG) structure to improve the performance of Islamic banking. On the other hand, increasing the number of members of the board of commissioners doesn't always result in improved performance, thus requiring a more active role from the independent board of commissioners.
PENGUKURAN KINERJA BANK SYARIAH INDONESIA PRE-MERGER DAN PASCA MERGER MELALUI METODE MAQASHID SYARIAH INDEX (MSI) DAN SHARIA CONFORMITY PROFITABILITY (SCnP) Rahma, Maulida Fauzia; Darwanto, Darwanto
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 11 │ No. 1 │ 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v11i1.20432

Abstract

This research aims to analyze the performance of Bank Syariah Indonesia (BSI) for the period 2018 to 2023 using the Maqashid Syariah Index (MSI), profitability, and Sharia Conformity And Profitability (SCnP) methods. The object of the study is BSI pre-merger (2018-2020) consisting of Bank BNI Syariah (BNIS), Bank BRI Syariah (BRIS), and Bank Syariah Mandiri (BSM), as well as Bank Syariah Indonesia (BSI) post-merger (2021-2023). Secondary data from the annual financial reports of BNIS for the period 2018-2020, BRIS for the period 2018-2020, BSM for the period 2018-2020, and BSI for the period 2021-2023. The analysis method used in this study uses The Simple Additive Weighting (TSAW), Comparative Performance Index (CPI), and Quadrant Analysis Measurement (QAM) approaches. The results indicate the highest MSI value was in 2023 and the lowest in 2020. The highest profitability value was in 2019 and the lowest in 2022. The results of the study using the SCnP method showed that those in the Upper Right Quadrant (URQ) had high sharia conformity and profitability values in 2019 and those in the Lower Left Quadrant (LLQ) had low sharia conformity and profitability values, namely in 2021 and 2022, so that on average the performance after the merger was better than pre-merger.
Determinan Penerimaan Penggunaan Mobile Payment Qris (Quick Response Indonesian Standard) untuk Berinfaq di Masjid Raya Baiturrahman Semarang Munif, Ahmat Saeful; Darwanto, Darwanto
Diponegoro Journal of Islamic Economics and Business Vol 3, No 2 (2023): December
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/djieb.19454

Abstract

Infaq is the giving of some of the assets owned to others in expectation of the pleasure of Allah SWT. This study aims to determine the determinants of attitudes and intentions to use QRIS mobile payment for infaq among millennials and generation Z at the Baiturrahman Grand Mosque in Semarang. This study uses a quantitative method using primary data obtained by online questionnaires through Google Form. The sampling method used was non-probability sampling with purposive sampling technique. This study took a sample of 210 respondents from the mosque congregation using the Meta-UTAUT model, and the data analysis technique used was Partial least square (PLS) using WarpPLS 7.0 software. The results showed that performance expectations, social influence, facility conditions, and trust have a positive and significant effect on attitudes towards using QRIS mobile payments in infaq payments. In addition, facility conditions and trust have a positive and significant effect on the intention to adopt mobile payment technology, attitude towards use has a positive and significant effect on the intention to implement mobile payment technology. The Islamic religiosity variable also moderates the relationship between the influence of attitudes on behavioral intentions to use QRIS mobile payment for infaq.
BRIDGING GAPS: ANALYZING FINTECH ADOPTION AND ITS CONTRIBUTION TO OVERCOMING SOCIAL EXCLUSION IN THE INDONESIAN FINANCIAL LANDSCAPE Utomo, Muh Fadli Wahyu; Darwanto, Darwanto
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 8 No 1 (2024): March
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24034/j25485024.y2024.v8.i1.5929

Abstract

Financial Technology, a component of the technological revolution in the financial industry, has a significant impact on both the micro and macro finance sectors. Significant investment is fueling the growth of the FinTech sector on a global scale. The mobile payment and transfer industry experienced the most rapid growth, increasing by 75% in 2019. Indonesia has emerged as a significant hub for digital economic growth, with 203 million users and a transaction value of US$ 99.1 billion in 2022. Nevertheless, this favorable pattern has yet to affect the Indonesian economy. The extent of financial inclusion in Indonesia remains one of the lowest compared to other nations in ASEAN. This study examines the factors influencing the utilization of FinTech in Indonesia and the resulting impact on financial inclusion. SEM-PLS method was used for quantitative analysis to examine 369 data respondents statistically. The findings of this study indicate that the four underlying factors (digital literacy, financial literacy, acceptance model, and usage of technology) have a favorable and significant impact on the intention to utilize FinTech payments. Sustainable use has also been exploitative and exploratory behavior by users. Using FinTech payments with exploitative and explorative patterns has been statistically demonstrated to enhance financial inclusion in Indonesia.
Kesulitan Belajar Menggunakan Media Pembelajaran Berbasis Power Point pada Mahasiswa PGSD Saat Pembelajaran Daring Selama Pandemi Covid-19 Darwanto, Darwanto; Apriza, Berta
Jurnal Basicedu Vol. 5 No. 6 (2021)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/basicedu.v5i6.1700

Abstract

Kesulitan matematika memiliki karakteristik tertentu yaitu kesulitan dalam memproses informasi, kesulitan yang berkenaan dengan kemampuan bahasa dan membaca, dan kecemasan matematika. Penyampaian materi matematika menggunakan media pembelajaran  power point dalam bentuk praktis dan hanya point-pont saja, akan membuat proses kemampuan kognitif peserta didik rendah. Sehingga dalam menerapkan dan menganalisis permasalahan pada matematika tidak diselesaikan dengan baik. Aspek kesulitan belajar matematika dalam materi pelajaran yang menggunakan media pembelajaran power point pada pembalajaran daring selama pandemi COVID-19 menjadi permasalahan dalam penelitian ini. Tujuan dari penelitian ini yaitu menganalisis kesulitan belajar mahasiswa Pendidikan Guru Sekolah Dasar Universitas Muhammadiyah Kotabumi dalam materi matematika yang menggunakan media pembelajaran power point selama pandemi COVID-19. Penelitian ini merupakan penelitian studi kasus. Hasil penelitian ini diperoleh bahwa peserta didik (mahasiswa) ketika melaksanakan pembelajaran khusunya metematka cukup kesulitan jika menggunakan media power point.  Secara keseluruhan media power point masih dikategorikan cukup layak untuk digunakan dalam embelajaran matematika.
Co-Authors Aan Zainul Anwar Abdul Hoyyi Achma Hendra Adelia Putri, Liza Adityawarman Adityawarman Afif, Syafik Wildan Agam Maulana Ardi Agung Kunaedi Agza, Yunita Agza, Yunita Alfu Laila Fiafifah Ana Liana Wahyuningrum Anggraini, Selvi Rahma Annisa Maulidia Alfian Annisa Ramadhani Aos Aos Apriza, Berta Ardani, Mochammad Arifin Fafan K Kusuma Aulisa Lintang Usmandani B. Bambang Bayu Septiawan, Andika Berta Dinata, Karsoni Budi Raharjo Budi Samadikun Cahayati, Sakina Clara Palupi Crysanti Ishardini Dani Setiawan Dedi Junaedi Devita, Maela Rahma Devy Leony Olyvia Dewi, Isma Dina Melati Wangi Edi Susilo Edi Wibowo Kushartono Edy Yusuf Agung Gunanto Edy Yusuf Agunggunanto Erika Amelia Eva Fatimah Fadhilah, Ani Faisal Salistia Fatchur Rohman Fatin Hamamah, Fatin Fhela Vhantoria Ningrum Fiqi, Muhammad Dzakir Fitrie Arianti Gading Nugroho Galang Hendry Syahriar Galih Mukti Annas Wibisono, Galih Mukti Gentur Handoyo Gentur Handoyo Ghalib Agfa Polnaya Ghana Atma Sulistya Hafiz Rama Devara Hantoro Ksaid Notolegowo Harahap, Muhammad Budi Buchari Hari Susanta Nugraha Hasbi Yasin Heri Prabowo Hermanto Hermanto Isromi, Dila Hana Julianto, Eka Widayat Junaidah, Yurida Junaidi Junaidi Karimah, Nida Kustopo Budiraharjo Lutfi Rokhiyatul Mu'asiroh Margaretha Astri Viona Maulida, Rahma Hanii Mawadah, Zahrotul Meilasari, Venty Mochammad Ardani Muhammad Aladdin Hanif Muhammad Budi Buchari Harahap Muhammad Dzakir Fiqi Muhammad Irwin Muslimin Muhammad Zacky Dzulfikar Muinah, Muinah Munif, Ahmat Saeful Mus, Abdul Rahman Nabila Zahra Nastya Chila Zarabiyu Naufal Haidar Farras Nenik Woyanti NOERDIANTI, IRMA Novrita Dewi Yanti Nur Azkia, Annisa Nur Sindy Oktavia Nur, Andi Nirwana Nurmala, Intan Priyo Sasmoko Purbayu Budi Santosa Puspita, Mira Rahma, Maulida Fauzia Rahmat Fitriansyah Rais, Muhammad Rifai Rama Devara, Hafiz Redita Apriliana Ro'fah Setyowati rohadin, rohadin Rosiana Nurfadjri Roswan Rozaq, Galilh Abdul Sari, Affrylia Setiadi, Rukuh Setyowati, Ro'fah Siti Nur Laila Sugeng Prianto Supriyadi, Fortuna Tunggadewi Susilo Toto Raharjo Syafik Wildan Afif Syifaaussakinah, Syifaaussakinah Totok Hendarto Untan, Debik Utomo, Muh Fadli Wahyu Vera Dwi Yunia Wahyuningrum, Ana Liana Widya Arga Putri Yulianto, Mohammad Dedi Yumasepta Rizky Hapsari Yusup, Mohammad Zahra, Anabila Zahra, Nabila Zakiyudin, Muhammad Ali