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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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ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK UMUM SYARIAH DENGAN METODE ISLAMICITY PERFORMANCE INDEX DAN MARKET VALUE ADDED Noval, Sahrul; Isfandayani, Isfandayani
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 14 No 2 (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.v14i2.9983

Abstract

This study aims to analyze the comparison of the financial performance of Islamic Commercial Banks using the Islamicity Performance Index (IPI) and Market Value Added (MVA) methods. The study period covers the years 2018-2021. This research employs a quantitative method with a descriptive approach. The study population includes all Islamic Commercial Banks registered with the Financial Services Authority (OJK) during 2018-2021. The sampling technique used is purposive sampling, resulting in three Islamic Commercial Banks listed on the Indonesia Stock Exchange. The data analysis method involves descriptive analysis and using the Cartesian Diagram of IPI and MVA to determine the position of the Islamic Commercial Banks. The results of this study show that there are four quadrants in the Cartesian diagram, but only two quadrants are occupied by Islamic Commercial Banks. Firstly, Quadrant I, or the Upper Left Quadrant (ULQ), is occupied by Bank Tabungan Pensiunan Negara Syariah (BTPNS) and Bank Syariah Indonesia (BSI), indicating that these two banks have high Market Value Added (MVA) but low Islamicity Performance Index (IPI). Secondly, Quadrant IV, or the Lower Right Quadrant (LRQ), is occupied by Bank Panin Dubai Syariah, indicating that this bank has a high Islamicity Performance Index (IPI) but a low Market Value Added (MVA). Meanwhile, no banks occupy Quadrant II or the Lower Left Quadrant (LLQ) and Quadrant III or the Upper Right Quadrant (URQ), indicating that no banks have both low IPI and MVA or both high IPI and MVA.
Analisis Pelaksanaan Monitoring Terhadap Pembiayaan Murabahah Di BPRS Patriot Bekasi Fauziyyah, Nur; Isfandayani, Isfandayani; Mardiah, Siti
At-Tamwil: Journal of Islamic Economics and Finance Vol 2 No 2 (2023): At-Tamwil: Journal of Islamic Economics and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v2i2.8019

Abstract

The BPRS is one of the islamic finansial institutions that has positive development in Indonesia. BPRS activities are not much different from Sharia Commercial Banks, one of which is distributing financing. The most widely used financing for BPRS in Indonesia is murabahah financing. With the amount of murabahah financing carried out, BPRS must monitor so the implementation of financing is in accordance with the sharia principles, in accordance with the agreement, dan to keep the murabahah financing provided in a good condition. This study aims to determine the methods for enforcing murabahah financing at BPRS Patriot Bekasi, financing monitoring procedures for murabahah financing at BPRS Patriot Bekasi, and analyzing the monitoring implementation of murabahah financing at BPRS Patriot Bekasi. This study uses a qualitative research. The data sources used are primary data and secondary data, with data collection techniques through interviews, library research, and documentation. Data analysis techniques used in this study, are data reduction, facts presentation, and drawing conclusions. The results of the study is indicate that BPRS Patriot Bekasi adheres to the 5C principle inside the implementation of murabahah financing. The procedure for monitoring of murabahah financing at BPRS Patriot Bekasi is corresponding with the theory but with different name, that is On Site Monitoring and Off Site Monitoring.
Analisis Manajemen Risiko Produk Pembiayaan Multijasa Pada PT. Bank Tabungan Negara Syariah Milasari, Siti; Isfandayani, Isfandayani
At-Tamwil: Journal of Islamic Economics and Finance Vol 3 No 1 (2024): At-Tamwil: Journal of Islamic Economics and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v3i1.9603

Abstract

This research discusses the risk management analysis carried out by PT. Sharia State Savings Bank towards multi-service financing products. The method used in this study is descriptive qualitative, the data collected in this study is in the form of words, sentences or images that describe the actual situation. The author collects data through observation, interviews, and documentation to facilitate the research process. The results showed that the risks faced by PT. Sharia State Savings Bank towards multi-service financing, namely financing risks and operational risks. The application of risk management carried out by PT. Sharia State Savings Bank is by conducting an identification process by looking at 5C (Character, Capacity, Capital, Collateral, Condition Of Economy), measuring by looking at the NPF value every month, monitoring by providing daily report updates, as well as controlling with several collection processes, visits, saving financing using Reconditioning and Rescheduling, as well as conducting collateral auctions. Pt. Sharia State Savings Bank has carried out risk management of multi-service financing properly and in accordance with PBI No. 13/23/PBI/2011 concerning the Application of Risk Management for Sharia Commercial Banks and Sharia Business Units, namely a series of procedures and methodologies used to identify, measure, monitor, and control risks that arise.
GERAKAN INVESTASI SYARIAH DALAM PERENCANAAN KEUANGAN BAGI MASYARAKAT DESA KARANG INDAH Rizqiyah, Talida Silmi; Isfandayani, Isfandayani; Fahlevi, Rizal; Widyananto, Arief; Isnandar, Fajri Ryan
Al-Ihsan: Journal of Community Development in Islamic Studies Vol 3 No 1 (2024): 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.v3i1.9545

Abstract

This community service aims to increase the understanding and participation of the people of Karang Indah Village, Bojongmangu District, Bekasi Regency in making sharia investments to improve the economic welfare of the village community. The problem encountered is that there are still many people in Karang Indah Village who do not understand how to manage finances properly, this causes many people to be trapped in a circle of poverty and difficulties in achieving economic welfare. To overcome this, the service team carried out a community service movement by holding a sharia investment socialization program to increase financial literacy in the community and provide education on how to manage finances effectively and efficiently. The service method uses socialization and assistance to the community in using the Bibit application to make it easier for people to invest. The results of the community service activities showed that this program was successful as seen from the enthusiasm of the community service participants who managed to understand and increase literacy on how to manage finances in investing through the Bibit application
Formulation of Risk Management Strategy for Sharia Mortgage Products during the Covid-19 Pandemic Suherni, Siti; Isfandayani, Isfandayani; Putra, Purnama
Research of Islamic Economics Vol. 2 No. 1 (2024): JULY 2024
Publisher : SAN Scientific

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58777/rie.v2i1.178

Abstract

The COVID-19 pandemic has had a significant impact on the development of the world economy, including the banking and financial services industry. One of the financing products at Bank BTN Syariah is the Home Ownership Financing-Mortgage (Sharia KPR), where the more financing funds are channeled, of course, the greater the potential for risk. The purpose of this study was to formulate a risk management strategy for Sharia KPR products that Bank BTN Syariah KC Bekasi can use during the Covid-19 pandemic. To analyze and develop the bank strategy, we use the Grand Strategy Matrix method by blending internal and external factors, where the analysis and strategy selection process is divided into three stages: Input stage, matching stage, and Decision stage. The results of the study showed that several internal and external factors occur in Bank BTN Sharia KC Bekasi that affect the development of Sharia KPR products; Bank BTN applies risk management based on the 5C principle to minimize the occurrence of risks that may occur. Managerial implications of this research are credit risk management, management, increased risk monitoring, effective communication, product innovation, conducting education and training, and Sharia compliance.
SOSIALISASI PENGEMBANGAN UMKM MELALUI PENGAJUAN PEMBIAYAAN BANK SYARIAH DI DESA SUKAMUKTI Abdullah, Saqyllah Zahra; Rahmawati, Rafika; Isfandayani, Isfandayani; Mardiah, Siti; Isnandar, Fajri Ryan
Al-Ihsan: Journal of Community Development in Islamic Studies Vol 3 No 2 (2024): 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.v3i2.10346

Abstract

Micro, Small and Medium Enterprises (MSMEs) play an important role as economic drivers in Indonesia, proven to be able to survive even in conditions of economic crisis. However, the MSME sector still faces major problems related to capital, especially in obtaining credit from banks with high interest rates and material collateral requirements that are difficult to meet. The development of various Islamic banking provides an opportunity to meet the needs of MSMEs, with a profit-sharing system that is different from conventional banking. This community service aims to provide understanding and increase the literacy of MSME actors regarding financing opportunities through Islamic banks. The service method applies socialization in the development of MSMEs by applying for financing at Islamic banks in Sukamukti Village. The results of the service show that MSME players can take advantage of the potential of Islamic banking to develop their business, increase better understanding of Islamic financing mechanisms, MSME players can overcome capital challenges and encourage economic growth.
PLANNED BEHAVIOR THEORY IN PAYING CASH WAQF Putra, Purnama; ., Isfandayani
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 4, No 1 (2020): JHSS (Journal of Humanities and Social Studies)
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v4i1.1901

Abstract

The potential of Waqf in Indonesia which is in the movement of followers of the largest Muslim religion in the World that is equal to 85% since the days of Pre-Independence. The legal order in Indonesia that underlies the management of waqf is very complete than Zakat, Infaq or Alms. This completeness is manifested in Law No. 41/2004 concerning Endowments and Government Regulation No. 42/2006 concerning Implementation of Law No. 41/2004. Both legality in the form of regulations and the Law provide a more certain legal basis for increasing public trust and guarantee of waqf assets. It became the starting point for the management of waqf and the collection of waqf funds in Indonesia. This study uses a quantitative method design in identifying what factors influence people's intentions in carrying out cash waqf. Data collection is done through filling out the questionnaire then be processed the validity and reliability test of 50 people and then given to a sample of 200 people. Factors affecting the intention to fulfill cash waqf based on this research are Attitude, Subjective Norms and Behavioral Control. Third, the Attitude, Subjective Norm, and Behavioral Control variables together have a significant influence on the variables of waqf intentions on cash waqf. Attitude variable towards cash Intention variable is 4.62%, Subjective Norm variable is 2.88%, Behavioural Control variable is 8.5%. Therefore, it can be concluded that the most dominant effective contribution value influencing cash intention variable is the Behavioral Control variable that is 8.5%.
Analisis Mitigasi Risiko Dalam Pembiayaan KPR Subsidi Pasca Pandemi Covid-19 Pada Bank BTN Syariah Gumay, Jannah Marwiyah; Isfandayani, Isfandayani
At-Tamwil: Journal of Islamic Economics and Finance Vol 3 No 2 (2024): At-Tamwil: Journal of Islamic Economic and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v3i2.8159

Abstract

This research aims to find out what financing risks occur, how to implement financing risk mitigation, and to find out risk mitigation strategies for Subsidized BTN KPR Financing carried out by Bank BTN Syariah to minimize problematic financing after the Covid-19 pandemic. This research method uses a qualitative approach with descriptive methods. In this research, Bank BTN Syariah is one of the financial institutions in Cibubur. The sample collection technique used a purposive sampling technique, namely 4 employees at Bank BTN Syariah. Data collection techniques used observation, interviews and documentation with data analysis using the Miles and Huberman approach. The results of this research are the financing risks that occur in Subsidized BTN KPR Financing, namely the financing risks caused by customers failing to pay. Financing risk mitigation carried out by Bank BTN Syariah for Subsidized BTN KPR Financing is by identifying risks, measuring risks, monitoring risks and controlling risks. Meanwhile, the risk mitigation strategy carried out by Bank BTN Syariah for Subsidized BTN KPR Financing is by using the 5 C principles including Character, Capital, Condition of Economy, Capacity, and Collateral. Apart from that, the mitigation strategy carried out by Bank BTN Syariah after the Covid-19 pandemic was by implementing several approaches, namely a purchasing strategy approach based on community needs, a friendship approach with customers during the Covid-19 pandemic; and implementing the Covid-19 restructuring policy.
Analisis Perbandingan Model Business Screening dan Financial Screening Indeks Saham Syariah Global berdasarkan Tinjauan Maqashid Syariah R. Melda Maesarach; Siti Jamilah; Isfandayani; Muhammad Fahmi; Ali Amin, Irsyad
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol. 9 No. 1 (2025)
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/alurban_vol9.i1/19955

Abstract

This study aims to analyze the comparison between business screening and financial screening models used in global Islamic stock indices through the lens of maqashid shariah. The research employs an explanatory method based on literature review and expert interviews. The findings reveal that current screening models remain legal-formalistic and do not fully reflect the substantive values of maqashid shariah such as social justice, environmental protection, and business ethics. Therefore, a reformulation is needed to ensure the screening models fulfill not only legal compliance but also promote public benefit and prevent harm. This study recommends developing a maqashid-based screening framework that is more holistic and socially transformative.
PEMBERDAYAAN PENDIDIKAN KARAKTER ISLAMI SISWA TPA DI DESA SINDANGMULYA Nurfadilah; Isfandayani; Irham
An-Nizam Vol 4 No 2 (2025): An Nizam: Jurnal Bakti Bagi Bangsa
Publisher : Universitas Islam 45 Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/an-nizam.v4i2.11526

Abstract

The development of Islamic character among children in Al-Qur’an Education Parks (TPA) remains a crucial challenge, particularly in optimizing character formation aligned with Islamic values. This community service project aims to strengthen the Islamic character of children at TPA Sindang Mulya Village through a structured mentoring program supported by additional educational approaches. The methods applied include mentoring activities combined with demonstration, cognitive, affective, and psychomotor strategies, all designed to foster holistic character development. The program was implemented for 30 days at TPA Sindang Mulya, with participants consisting of children actively enrolled in the TPA program. The findings indicate a significant improvement in children’s Islamic character, particularly in the aspects of honesty, politeness, and discipline. Mentoring proved to be effective in shaping attitudes and behaviors consistent with Islamic values while also enhancing the learning experience in both religious and social contexts. Furthermore, the structured combination of cognitive, affective, and psychomotor approaches allowed the children to internalize values more effectively and apply them in daily interactions. In conclusion, this community service demonstrates that mentoring programs can serve as an effective strategy for character building in TPA settings. Therefore, similar initiatives should be sustained and expanded to other communities to achieve broader impacts.
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