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All Journal Paradigma : Journal of Science, Religion and Culture Studies Maslahah : Jurnal Hukum Islam dan Perbankan Syariah Al Ishlah Jurnal Pendidikan Al Tijarah Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Journal of Humanities and Social Studies DEVOSI Ekonomi Islam Indonesia An-Nizam: Jurnal Bakti Bagi Bangsa At-Tamwil: Journal of Islamic Economics and Finance Tamkin Journal Al-ihsan : Journal of Community Development in Islamic Studies Research of Islamic Economics (RIE)
Isfandayani M.Si.
Program Studi Perbankan Syariah FAI UNISMA Bekasi
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Mechanical Engineering Physics Social Sciences Other

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STRATEGI MANAJEMEN RISIKO PADA OPERASIONAL BANK BTN SYARIAH DI MASA PANDEMI COVID - 19 Suci Nurani; Isfandayani Isfandayani; Purnama Putra
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 14 No 1 (2023): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v14i1.7201

Abstract

This study aims to 1) analyze the general operational description of Bank BTN Syariah kc Bekasi during the bank's operation during the pandemic. 2) identify the type of risk faced. 3) analyze the risk mitigation by Bank BTN Syariah KC Bekasi. 4) Recommend alternative strategies that can be implemented for Bank BTN Syariah as long as the bank operates during the Covid-19 pandemic. This research combined research with primary and secondary data. Data collection techniques used literature studies, documentation, interviews, and questionnaires. The data analysis method uses the IFE, EFE, and Grand Strategy methods. The results of this study show that while operating during a pandemic, banks face operational, reputation, and financing risks. The results of the internal analysis of the value of IFE are 3.44, and the external analysis of EFE is 3.22. The company's position in the matrix The Grand Strategy is in quadrant one, so the strategic recommendations are market development strategy, product development, and market penetration
STRATEGI MANAJEMEN RISIKO PADA OPERASIONAL BANK BTN SYARIAH DI MASA PANDEMI COVID - 19 Suci Nurani; Isfandayani Isfandayani; Purnama Putra
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 14 No 1 (2023): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v14i1.7092

Abstract

This study aims to 1) analyze the general operational description of Bank BTN Syariah kc Bekasi during the bank's operation during the pandemic. 2) identify the type of risk faced. 3) analyze the risk mitigation by Bank BTN Syariah KC Bekasi. 4) Recommend alternative strategies that can be implemented for Bank BTN Syariah as long as the bank operates during the Covid-19 pandemic. This research combined research with primary and secondary data. Data collection techniques used literature studies, documentation, interviews, and questionnaires. The data analysis method uses the IFE, EFE, and Grand Strategy methods. The results of this study show that while operating during a pandemic, banks face operational, reputation, and financing risks. The results of the internal analysis of the value of IFE are 3.44, and the external analysis of EFE is 3.22. The company's position in the matrix The Grand Strategy is in quadrant one, so the strategic recommendations are market development strategy, product development, and market penetration.
The Effectiveness of The Success of Sharia Cooperatives Development in Indonesia Abrista Devi; Isfandayani
Ekonomi Islam Indonesia Vol. 2 No. 1 (2020): Ekonomi Islam Indonesia
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (422.839 KB) | DOI: 10.58968/eii.v2i1.10

Abstract

The purpose of this study was to analyze the efficiency of local government expenditure based on Islamic Human Development Index (I-HDI) in Local Government at the Indonesian’s Province using Data Envelopment Analysis (DEA). DEA is a non parametic method that was developed to measure the level of efficiency compared to the Decision Making Unit (DMU). This method can measure the efficiency of a government entity by using multi-input and multi-output. DEA result also can be used to identify wich input or output must be increased by Decision Making Unit (DMU) to reach optimum efficiency. The result from this study showed that the average of efficiency score in local government at Indonesian’s Province is increasing from 2015 until 2018. This study also indicates that North Sumatera, East Java, and Yogyakarta’s government spending were efficient in 4 years. While Bangka Belitung and West Papua achieve the lowest efficiency score, and should optimize input and increase the number of output to improve the efficiency. Morever, the main source of inefficiency is in Life birth rate indicators.
Comparison Analysis of Financial Performance of BUMN and Non BUMN Islamic Commercial Banks with RGEC Method Hafiz Santak Taram; Isfandayani Isfandayani
Al Tijarah Vol. 8 No. 2 (2022): Al Tijarah | December
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tijarah.v8i2.7301

Abstract

This research aims to analyze the comparison of the financial performance of BUMN Islamic Commercial Banks and Non BUMN Islamic Commercial Banks on the variables of Risk Profile, Good Corporate Governance, Earnings, and Capital (RGEC) for the 2017-2020 period represented by the ratio of NPF, FDR, BOPO, GCG, ROA, ROE, and CAR. The results of this research show that of the 7 ratios analyzed, there are 5 ratios with significant differences between the financial performance of BUMN Islamic Commercial Banks and Non BUMN Islamic Commercial Banks during the 2017-2020 period, namely FDR, BOPO, GCG, ROA, and ROE. While the NPF ratio, CAR, and RGEC Composite Rating there is no significant difference between the financial performance of BUMN Islamic Commercial Banks and Non BUMN Islamic Commercial Banks during the 2017-2020 period. The last analysis on the consolidated financial performance assessment of all RGEC variables shows that the performance of BUMN Islamic Commercial Banks is not better than the performance of Non BUMN Islamic Commercial Banks where the average composite value for 4 years is the performance of BUMN Islamic Commercial Banks (80%), smaller than the composite value of the performance of Non BUMN Islamic Commercial Banks (86%).
PELATIHAN PEMBUATAN KONEKTOR MASKER DAN SOSIALISASI PEMANFAATAN SOSIAL MEDIA SEBAGAI MEDIA PENJUALAN Suci Nurani; Rizal Fahlevi; Fajri Ryan Isnandar; Isfandayani Isfandayani
Al-Ihsan: Journal of Community Development in Islamic Studies Vol 1 No 1 (2022): Al-ihsan : Journal of Community Development in Islamic Studies
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/alihsan.v1i1.4596

Abstract

The Covid pandemic has caused shortages of food, drinks and health items such as medicines and masks. From the use of these masks, there are opportunities that can increase household income, namely the manufacture of mask connectors which are usually used by hijab users. The method used in this community service is training. The results during the training were based on the participants' statements that the training was very useful for opening a small business using a small amount of capital.
SEMINAR ONLINE PERENCANAAN KEUANGAN SYARIAH Siti Suherni; Isfandayani Isfandayani; Fajri Ryan Isnandar
Al-Ihsan: Journal of Community Development in Islamic Studies Vol 1 No 2 (2022): Al-ihsan : Journal of Community Development in Islamic Studies
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/alihsan.v1i2.5731

Abstract

Indonesia confirmed its first case of infection with the corona virus that causes Covid-19 in early March 2020. The decline in economic growth due to the Covid-19 pandemic can trigger impacts on other aspects such as social aspects. The role of the government and educators is needed to carry out outreach in the economic field such as financial planning during this covid outbreak. The method used in this community service is outreach to the public regarding the importance of sharia financial planning. The results in this study are to add knowledge to the community regarding Islamic financial planning.
PENGUATAN MANAJEMEN PEMASARAN SYARIAH BERBASIS DIGITAL Alto Wirahadi Kusuma; Isfandayani Isfandayani; Purnama Putra; Fajri Ryan Isnandar; Rizal Fahlevi
Al-Ihsan: Journal of Community Development in Islamic Studies Vol 2 No 1 (2023): Al-ihsan : Journal of Community Development in Islamic Studies
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/alihsan.v2i1.7044

Abstract

The purpose of this service is to help and overcome the problems faced related to the less than optimal marketing management of the PAUD Qur'an Sabilussomad institution in Lubang Buaya Village. The solution offered to the PAUD Qur'an Sabilussomad institution by optimizing digital-based sharia marketing management via social media instagram and whatsApp. The implementation method used in helping and overcoming the problems encountered via several real lecture programs, namely first, socialization and education of digital-based sharia marketing management concepts. Second, training in making marketing strategies and flyer designs. Lastly, assistance in digital-based sharia marketing activities via social media instagram and whatsapp. The results of the implementation of service to partners are first, partners can understand the concept of digital-based sharia marketing management. Second, partners can create marketing strategies and design flyers. Finally, partners can implement digital-based sharia marketing activities via social media instagram and whatsapp.
PERANCANGAN KEUANGAN SYARIAH PADA IBU RUMAH TANGGA DI DESA SINDANGJAYA Mumpuni Hayati Nuragustin; Isfandayani Isfandayani; Arief Widyananto; Mas Deden Tirtajaya
Al-Ihsan: Journal of Community Development in Islamic Studies Vol 2 No 2 (2023): Al-ihsan : Journal of Community Development in Islamic Studies
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/alihsan.v2i2.8014

Abstract

The aimed of this programme is to provide knowledge about Islamic economics and how to manage finances properly. It is also expected to be more aware of the obligation to pay debts, the prohibition of staying away from usury and the importance of saving. With this goal, it is hoped that family life can be happy and far from anxiety. In this programme, socialisation, training and sharing sessions will be conducted. The results of the activity show that the curiosity of mothers in Pulo Rengas, Sindangjaya village is quite high because they still want to learn more about sharia family financial planning. The service method uses community education in the form of socialisation of sharia financial planning. The conclusion of this service is that mothers in Pulo Rengas, Sindangjaya village as the target of the service do not yet have knowledge and understanding of Islamic economics and make sharia financial planning for households which includes three things, namely the obligation to pay debts, avoid the prohibition of usury and the importance of saving.
Designing the Curriculum of the Islamic Banking Study Program towards Higher Education Sustainable Learning Purnama Putra; Rizal Fahlevi; Rafika Rahmawati; Isfandayani Isfandayani
AL-ISHLAH: Jurnal Pendidikan Vol 16, No 1 (2024): AL-ISHLAH: JURNAL PENDIDIKAN
Publisher : STAI Hubbulwathan Duri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35445/alishlah.v16i1.4294

Abstract

The acceleration of change with the COVID-19 pandemic has made a leap in all aspects, including the banking industry. Islamic banking, which is only a few decades old, has shown a significant increase in assets and institutions that need to be supported by the presence of human resources who understand the characteristics of these institutions so that they do not only focus on domestic affairs but develop overseas. Redesigning the Islamic banking curriculum is urgent in order to prepare the students to become graduates who can be in line with the needs of industrial world. This study aims to redesign the Islamic banking curriculum through in-depth study of stakeholders, namely study program administrators, industry associations (Islamic banking), graduate users, and scientific associations. The method used in this research is a combination by first mapping using the Strength, Weakness, Opportunity and Threat (SWOT) method and then deepening and matching it with the Analytic Network Process (ANP) method to produce priority strategy. The priorities generated based on the SWOT and ANP matrices are : (1) Increasing stakeholder links and matches, (2) Increasing graduate competence, (3) Periodic review and evaluation of the curriculum, (4) Increasing Lecturer capacity. Therefore, Sustainable learning in Islamic banking must be supported by stakeholders by linking and matching in order to fill the need with the availability of competent human resources.
IMPLEMENTASI PELAKSANAAN RESTRUKTURISASI PEMBIAYAAN BERMASALAH DALAM UPAYA SUSTAINABLE BANKING DI BANK SYARIAH INDONESIA Syariah, Emy; Isfandayani, Isfandayani
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 15 No 1 (2024): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v15i1.8198

Abstract

This research aims to determine the implementation of restructuring of problematic financing and whether the implementation of restructuring can strive for sustainable banking. This research uses a descriptive method with a qualitative approach. The author collected data using observation, interviews, and documentation methods from three informants in the Marketing Division, with the research location at Bank Syariah Indonesia KCP Bekasi Square. The results of this research show that: 1. The implementation of the restructuring of problematic financing that Bank Syariah Indonesia KCP Bekasi Square has carried out is effective as a form of rescue for problematic financing customers. OJK's restructuring policy is the best step in dealing with problematic financing. 2. The implementation of restructuring to sustain banking has had a very positive impact, such as the bank's performance becoming healthy and the portfolio and customer collectibility returning to normal by integrating environmental, social and governance criteria. This restructuring implementation can support sustainable banking at Bank Syariah Indonesia KCP Bekasi Square.
Co-Authors Aan Riyadi Abdullah, Saqyllah Zahra Abrista Devi Ali Amin, Irsyad Alto Wirahadi Kusuma Angelica Richard Eka Putri Annie Faridha Farachdina Arief Widyananto Arzani, Teny Khotimah Asih, Anisa Mukti Desi Annisa Eva Kholifah Fahlevi, Rizal Fajri Ryan Isnandar Fajri Ryan Isnandar, Fajri Ryan Fauziyyah, Nur Fawziyah, Zahrina Wardatul Hafiz Santak Taram Hafiz Santak Taram Hendry Candra Laksmitawuri Husnul Khatimah irham Karen Ainiyya Khoiriyah, Ummi Laksmitawuri, Hendry Candra Marginingsih, Ria Marwiyah, Syarifatul Mas Deden Tirtajaya Milasari, Siti Muhammad Basirrudin MUHAMMAD FAHMI Muhtar . Mumpuni Hayati Nuragustin Mutia Ramadhani Nita Muhaini Saputri TQ Noval, Sahrul Nur Ahmad Fadillah Nurfadilah Purnama Putra, Purnama R. Melda Maesarach Rafika Rahmawati Rafika Rahmawati Rafika Rahmawati Ramadhani, Mutia Ramdhiana, Ratih Ratih Ramdhiana Ria Mariginingsih Riyadi, Aan Rizal Fahlevi Rizal Fahlevi Rizqiyah, Talida Silmi Saputri TQ, Nita Muhaini Siti Jamilah Siti Mardiah Siti Mardiah, Siti Siti Noviatun Siti Suherni Sri Endah Wahyuningsih Sri Endah Wahyuningsih Suci Nurani Suci Nurani Suherni, Siti Syariah, Emy Teny Khotimah Arzani Vandarina Ralda Zahrina Wardatul Fawziyah Zahrina Wardatul Fawziyah