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FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT BELI KOSMETIK HALAL PADA MAHASISWA DI JAKARTA Muthia Rizkitri Aulia; Tati Handayani; Lili Puspitasari
Journal of Sharia Economics Vol 2 No 2 (2021): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v2i2.1347

Abstract

This research is motivated by the increase in the halal cosmetic industry in Indonesia. Researchers have a goal to analyze several factors, namely, halal label, brand image, and price that affecting the interest of buying halal cosmetics to students in Jakarta. The method used is a quantitative approach with the number of samples processed as many as 130 respondents with the characteristics of Jakarta students who use make over cosmetics. The data collection technique was taken through a questionnaire and analyzed using the Statistical Package for the Social Sciences (SPSS) version 26 application. The data analysis technique was through validity testing, reliability testing, classical assumption testing, and multiple linear regression tests. Hypothesis test using F test, T test and determinant coefficient. The results showed that the variables of halal label, brand image, and price had a simultaneous effect on buying interest. Partially, the variables of halal label, brand image and price show a positive and significant influence on buying interest. With this, the researcher hopes to help the growth of local cosmetics so that there will be more and more good quality halal cosmetics.
Sosialisasi Penerapan Proses Pembiayaan Syariah bagi Pelaku UMKM Jakpreneur di Kecamatan Tanah Abang Prima Dwi Priyatno; Ade Nur Rohim; Lili Puspita Sari
ALMUJTAMAE: Jurnal Pengabdian Masyarakat Vol. 2 No. 2 (2022): Agustus
Publisher : Universitas Djuanda Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/almujtamae.v2i2.6563

Abstract

Permodalan menjadi salah satu kendala yang dihadapi para pelaku UMKM, khususnya di masa pandemi. Pembiayaan syariah yang ditawarkan oleh berbagai lembaga keuangan syariah menjadi salah satu solusi untuk mengatasi permasalahan tersebut, dan untuk mendorong peningkatan UMKM secara umum. Kegiatan pengabdian kepada masyarakat ini bertujuan memberikan wawasan dan literasi kepada para pelaku UMKM terkait proses pembiayaan syariah yang ada pada berbagai lembaga keuangan Syariah. Kegiatan pengabdian ini dilakukan dengan memberikan sosialisasi pengajuan pembiayaan syariah dengan memberikan pengetahuan mengenai berbagai jenis akad yang dapat diimplementasikan pada pembiayaan syariah. Kegiatan dilakukan dalam bentuk seminar yang dilanjutkan dengan sesi diskusi dan tanya jawab. Melalui kegiatan ini, para pelaku UMKM dapat lebih memahami berbagai ketentuan syariah dalam melakukan transaksi kerja sama usaha khususnya pada aspek pembiayaan. Selain itu, para peserta juga memahami ragam akad yang diimplementasikan pada proses pembiayaan syariah yang ditawarkan oleh berbagai lembaga keuangan syariah. Hasil kegiatan ini merekomendasikan kepada pemangku kebijakan terkait pengembangan UMKM untuk gencar melakukan sosialisasi ragam pola dan skema pembiayaan syariah untuk dapat menjadi solusi mengatasi permasalahan permodalan yang dihadapi oleh para pelaku UMKM.
Pengaruh Pembiayaan Bermasalah, Perputaran Kas, Dan Utang Jangka Pendek Terhadap Likuiditas PT Bank Muamalat Indonesia Nabil Ahmad Izzudin; Lili Puspita Sari
Islamic Economics and Business Review Vol 1 No 2 (2022): IESBIR, December 2022
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (473.573 KB)

Abstract

Liquidity indicates the bank's ability to meet the possibility of withdrawing funds made by customers. In this study, liquidity can be measured using the financing to deposit ratio (FDR). This study aims to determine the effect of financing, cash turnover, and short-term debt on the liquidity of PT Bank Muamalat Indonesia. In this study, the independent variables are Non-performing Financing, Cash Turnover, and short-term debt, the dependent variable is liquidity. This research method used in this study is the Classical Assumption Test, Multiple Linear Regression Analysis and Hypothesis Testing.The results of this study show that non-performing financing, cash turnover, and short-term debt have a negative effect on liquidity. . In addition, based on the t test, the results showed that the variables indicated problematic financing, cash turnover, and short-term debt had a partial effect on liquidity.
PREFERENSI MAHASISWA MENABUNG DI PERBANKAN SYARIAH : STUDI PADA MAHASISWA PERGURUAN TINGGI DKI JAKARTA Farah Dibah; Suryani Suryani; Lili Puspita Sari
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 10 No. 2 (2021): Desember 2021
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (422.386 KB) | DOI: 10.31959/jm.v10i2.700

Abstract

The development of Islamic banking in Indonesia is growing rapidly, supported by the great potential in the DKI Jakarta area. After the merger of Islamic banks in 2021 caused student awareness of Islamic financial transactions to increase. This study aims to examine the effect of service quality, brand image, and knowledge on student preferences for saving in Islamic banking. Sampling through purposive sampling method which was tested on 100 respondents. The data collection instrument used a questionnaire with a Likert scale. The analytical technique used to determine the magnitude of this effect is multiple linear regression assisted by the SPSS version 25 program. The test results show that (1) service quality has a significant effect on student preferences for saving in Islamic banking, (2) brand image has no significant effect on student savings preferences. in Islamic banking, (3) knowledge has a significant effect on student preferences for saving in Islamic banking, (4) service quality, brand image, and knowledge have a significant effect on student preferences for saving in Islamic banking.
Peran ZIS Terhadap Peningkatan Kesejahteraan Sosial di Indonesia Andira Tsaniya Al-Labiyah; Lusi Nurul Aulia; Najuwa Aurel Annisa; Lili Puspita Sari
Islamic Economics and Business Review Vol 2 No 2 (2023): IESBIR, August 2023
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59580/iesbir.v2i2.6003

Abstract

Zakat, infaq and alms (ZIS) have a very important role in the Indonesian economy. However, in practice there are still a number of challenges that need to be faced in managing ZIS in Indonesia. This research aims to analyze the potential for the development of ZIS, ZIS for alleviating poverty and realizing social welfare. This study uses a descriptive qualitative approach with secondary data sources derived from books, e-books, the internet, scientific articles, and thesis or previous research related to the research object. The results of this study indicate that the potential for the development of zakat, infaq, and alms in Indonesia is still very large. Synergy is needed between the government, zakat institutions, and the community in increasing the collection and distribution of zakat for the common good. ZIS plays a role in helping to equalize income so that it can help increase consumption and people's purchasing power and have an impact on increasing economic growth. Furthermore, zakat plays a role in helping to alleviate poverty through the distribution of zakat funds in two ways, namely consumptive and productive to the main beneficiary groups, namely the poor and the poor. Welfare indicators related to maqasid sharia state that if the five contexts in maqasid sharia are fulfilled properly, social welfare can be realized. Then the ZIS funds can be distributed to meet the needs of maqashid sharia to help realize the benefit and prosperity in society. Keywords: Distribution; Poverty; Potency ; Welfare; ZIS
Efisiensi di Bank Syariah: Studi Empiris pada Unit Usaha Syariah Bank Pembangunan Daerah di Indonesia Lili Puspita Sari; Hendri Tanjung
Jurnal Akuntansi dan Keuangan Islam Vol 8, No 1, April (2020)
Publisher : SEKOLAH TINGGI EKONOMI ISLAM SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35836/jakis.v8i1.105

Abstract

This study aims to evaluate Sharia Unit of Regional Development Bank (Bank Pembangunan Daerah) perform in Indonesia period 2012-2017. Considering the development of UUS in Indonesia including BPD, this research seeks to analyze the bank performs considering the BPD. BPD have important role to support the regional economy. One of the indicators used to know about bank perform is efficiency. The input variables used in this research are Third Party Fund,  Labor Cost, Total Financing and Other Bank Placements. Using Data Envelopment Analysis (DEA) method, we found out that the efficiency level of UUS BPD in Indonesia is quite good with an average efficiency level above 85%. Meanwhile, by using tobit regression, we known that all variables used significantly influence the perform of UUS BPD efficiency level in Indonesia. Penelitian ini bertujuan untuk mengevaluasi tingkat efisiensi Unit Usaha Syariah Bank Pembangunan Daerah di Indonesia periode 2012-2017. Memperhatikan perkembangan UUS di Indonesia termasuk BPD, penelitian ini berusaha untuk melihat sejauh mana kinerja bank tersebut mengingat BPD memiliki peran penting dalam membantu ekonomi daerah. Salah satu indikator yang digunakan yaitu tingkat efisiensi menggunakan pendekatan dari sisi teknis. Variabel yang digunakan pada penelitian ini yaitu Dana Pihak Ketiga (DPK), Biaya Tenaga Kerja, Total Pembiayaan dan Penempatan Bank Lain dengan menggunakan sampel 12 Unit Usaha Syariah Bank Pembangunan Daerah di seluruh Indonesia. Dengan menggunakan metode Data Envelopment Analysis (DEA) didapatkan hasil bahwa tingkat efisiensi UUS BPD di Indonesia sudah cukup baik dengan tingkat rata-rata efisiensi diatas 85%. Sementara dengan menggunakan regresi tobit, diketahui semua variabel yang digunakan berpengaruh signifikan terhadap pencapaian tingkat efisiensi UUS BPD di Indonesia.
Analisis Sharia Compliance pada Produk Pembiayaan di PT. BPRS Amanah Ummah Leuwiliang Bogor Ulfi Nurhalimah; Lili Puspitasari
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 6 No. 2 (2023)
Publisher : Masoem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/maps.v6i2.669

Abstract

BPRS has a role in stabilizing the financial sector which can save the national economy. BPRS are required to be able to perform their functions properly, with this the Islamic macroeconomic system can be implemented properly. Sharia principles are very important in Islamic banking, because this is a factor for prospective customers in choosing financial products at Islamic banks themselves. Sharia compliance is the main key or basic principle for Islamic banks in carrying out their practices in Islamic banks. This study aims to analyze sharia compliance on financing products at PT. BPRS Amanah Ummah. The method used is descriptive qualitative research method based on the type of case study. Researchers use data collection techniques by observation, which will go directly to the field, then conduct interviews with sources in a structured manner and carry out technical documentation by testing the validity of the data using triangulation. The results of the study show that in business activities on financing products at PT. BPRS Amanah Ummah has fully complied with the principles of sharia compliance.
Analisis Kinerja Bank Syariah di Indonesia Berbasis Maqashid Sharia Index Prima Dwi Priyatno; Ade Nur Rohim; Lili Puspita Sari
Jurnal Ilmiah Ekonomi Islam Vol 8, No 3 (2022): JIEI : Vol.8, No.3, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i3.6581

Abstract

Development of the banking industry that continues to increase from year to year, there must be a balance in terms of performance assessment, where the performance measurement of Islamic banking does not only look at the profit side, but Islamic banking as a sharia business entity needs to consider aspects of benefit and conformity with sharia maqashid. Performance measurement with the maqashid sharia index approach has three objective indicators. Indicators of Education (Tahdzib Al-Fard), Establishing Justice (Al-'Adl), and Public Interest (Al-Mashlahah). From the data collected, the results of the analysis of performance measurement based on Islamic maqashid for the twelve Islamic Commercial Banks, Panin Dubai Syariah Bank (PDS) have the highest performance value with an index value of 0.42563. The level of performance index based on sharia maqashid shows a gradual level, the higher the level of value generated, it can be said that the better in achieving the goals and principles of sharia, and vice versa, the lower the index value produced, the lower the performance in creating the benefits of shariah goals. want to achieve.
Designing Ziswaf-Based Financing Model for Enhancing Micro, Small, and Medium Enterprises Lili Puspita Sari; Ade Nur Rohim; Fadhli Suko Wiryanto; Dzaky Ammar Fauzi
Journal of Islamic Economics and Finance Studies Vol 4 No 2 (2023): JIEFeS, December 2023
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v4i2.6822

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are important in advancing the economy. However, among some existing MSME actors, many of them face obstacles in developing their businesses. Some of those obstacles are the lack of competence and expertise, the lack of business networks, and the limited amount of capital. This research aims to design the development of a sharia financing model based on using zakat, infaq, sadaqah, and waqf (ziswaf) funds to develop MSMEs. This research uses qualitative methods by analyzing various data collected from several works of literature related to ziswaf and MSME studies. This research produces a design model for integrated ziswaf management in the MSME development program. This model describes the process flow starting from collecting ziswaf funds, with a distribution process that is adjusted to the characteristics of the funds. ZIS funds are channeled to the procurement of goods and business equipment, as well as to capacity-building programs for MSMEs. The waqf funds are distributed in the form of business capital investment with a mudharabah agreement. The profits received are given to the nazhir according to the agreement, to be managed by the nazhir, and distributed to the mauquf alaih. The entire process is carried out with supervision and monitoring to maintain conformity of procedures with existing rules and regulations. It is hoped that this model can become a new direction for the development of MSMEs by optimizing ziswaf funds in an integrated manner.   Usaha Mikro, Kecil, Menengah (UMKM) merupakan unit ekonomi yang penting dalam memajukan perekonomian. Namun, di antara sejumlah pelaku UMKM yang ada, banyak dari mereka menghadapi kendala dalam pengembangan usahanya. Di antara kendala yang dihadapi antara lain terkait minimnya kompetensi dan keahlian, minimnya jejaring usaha, hingga jumlah modal yang terbatas. Penelitian ini bertujuan untuk mendesain pengembangan model pembiayaan syariah berbasis pemanfaatan dana zakat, infak, sedekah, dan wakaf untuk pengembangan UMKM. Penelitian ini menggunakan metode kualitatif dengan menganalisis berbagai data yang dihimpun dari beberapa literatur terkait kajian ziswaf dan UMKM. Penelitian ini menghasilkan sebuah rancangan model pengelolaan ziswaf terintegrasi pada program pengembangan UMKM. Model tersebut menggambarkan alur proses yang dimulai dari penghimpunan dana ziswaf, dengan proses penyaluran yang disesuaikan dengan karakteristik dana. Dana ZIS disalurkan pada pengadaan barang dan perlengkapan usaha, serta pada program peningkatan kapasitas pelaku UMKM. Adapun dana wakaf disalurkan dalam bentuk investasi modal usaha dengan akad mudharabah. Keuntungan yang diterima diberikan kepada nazhir sesuai dengan kesepakatan, untuk nantinya dikelola oleh nazhir dan disalurkan kepada para mauquf alaih. Keseluruhan proses tersebut dilakukan dengan pengawasan dan monitoring untuk menjaga kesesuaian prosedur dengan aturan dan ketentuan yang ada. Model ini diharapkan dapat menjadi arah baru pengembangan UMKM dengan mengoptimalkan dana ziswaf secara terintegrasi.
Welfare Analysis Through Human Development Index with Maqasid Sharia Approach Prima Dwi Priyatno; Fitri Yetty; Lili Puspita Sari; Ahmad Zahran Rizqulloh
Journal of Islamic Economics and Finance Studies Vol 4 No 2 (2023): JIEFeS, December 2023
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v4i2.6831

Abstract

The existing Human Development Index (HDI), published by UNDP may be the most comprehensive indicator. Even though, it is not fully compatible and sufficient to measure human development from an Islamic perspective. The purpose of this study is to analyze the Human Development Index in Indonesia with the maqasid sharia approach using several indicators that include crime, life expectancy, long school expectancy, average length of schooling, births, infant mortality, and per capita expenditure. The measurement results show variations in I-HDI from year to year, with the highest value in 2022 and the lowest in 2021. The I-HDI categorization classifies 2017, 2018, 2019, and 2022 as very high categories, while 2020 and 2021 are in the high category. The factors that make up I-HDI are divided between the Material Welfare Index (MWI) and the Non-Material Welfare Index (NWI). Although MWI showed low numbers, NWI made a significant positive contribution. NWI has a dominant role, with the highest score in 2017 and an average of 83.58 percent. This finding implies that Non-Material Welfare is a key factor in shaping I-HDI in Indonesia. These conclusions can be used as a basis for formulating more effective development policies, reinforcing aspects that are considered lacking, and providing guidance for future policy considerations.   Indeks Pembangunan Manusia (IPM) yang diterbitkan oleh UNDP dapat menjadi indikator yang paling komprehensif. Namun, alat ukur tersebut tidak sepenuhnya kompatibel dan memadai untuk mengukur pembangunan manusia jika ditinjau dalam perspektif Islam. Tujuan penelitian ini adalah menganalisis Indeks Pembangunan Manusia di Indonesia dengan pendekatan maqashid syariah yang meliputi beberapa indikator seperti kriminalitas, angka harapan hidup, lama sekolah, rata-rata lama sekolah, kelahiran, kematian bayi, dan pengeluaran per kapita. Hasil pengukuran menunjukkan adanya variasi I-HDI dari tahun ke tahun, dengan nilai tertinggi pada tahun 2022 dan terendah pada tahun 2021. Kategorisasi I-HDI mengklasifikasikan tahun 2017, 2018, 2019, dan 2022 dalam kategori sangat tinggi, sedangkan tahun 2020 dan 2021 termasuk dalam kategori tinggi. Faktor-faktor pembentuk I-HDI terbagi menjadi Indeks Kesejahteraan Material (MWI) dan Indeks Kesejahteraan Non-Material (NWI). Meski MWI menunjukkan angka yang rendah, namun NWI memberikan kontribusi positif yang signifikan. NWI mempunyai peran dominan dengan skor tertinggi pada tahun 2017 dan rata-rata mencapai 83,58 persen. Implikasi dari temuan ini menunjukkan bahwa kesejahteraan non-material menjadi faktor kunci dalam pembentukan I-HDI di Indonesia. Kesimpulan tersebut dapat dijadikan landasan untuk merumuskan kebijakan pembangunan yang lebih efektif untuk memperkuat aspek-aspek yang dianggap kurang optimal, dan memberikan pedoman pertimbangan kebijakan di masa depan.