Garuda - Garba Rujukan Digital

Mengelola Keuangan Secara Syariah dalam Rangka Menumbuhkan Good Money Habit Masruroh, Aini
Al-Iqtishad: Journal of Islamic Economics Vol 5, No 1: January 2013
Publisher : Faculty of Shariah and Law

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v5i1.2111

The wealth owned by Muslims basically is a trust from Allah that must be spent or distributed responsibly. Good habit in spending money is reflected on how the person makes a financial decision of his own. The main aspect in conducting the financial plan is the ability to save and invest. A person is qualified as having good money habits if he is able to pay themselves first that other interest. Meaning that each earn he have, he is able to allocated it to charity, the primary consumption, and plans for the future. Whereas the spontaneous type might probably refuses to make a financial planningDOI: 10.15408/aiq.v5i1.2111

Membentuk Karakter dan Disiplin Siswa melalui Pembinaan Apel Pagi Masruroh, Aini; Medika, Novita; Kristiawati, Henri
Buletin Pengembangan Perangkat Pembelajaran Vol 1, No 1 (2019): Vol. 1, No.1, Juli 2019
Publisher : Fakultas Keguruan dan Ilmu Pendidikan, Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/bppp.v1i1.9292

Penelitian ini bertujuan untuk menjelaskan mengenai pembentukan karakter dan budi pekerti pada siswa melalui kegiatan apel rutin setiap pagi dan keefektifannya dalam mewujudkan karakter dan budi pekerti luhur yang baik pada siswa di SMK Negeri 6 Sukoharjo. Tipe penelitian yang digunakan adalah penelitian kualitatif dengan metode deskriptif kualitatif. Data yang ada didalam penelitian ini diperoleh melalui kegiatan observasi dan wawancara. Subyek dalam penelitian ini adalah siswa-siswi dan guru yang ada di SMK Negeri 6 Sukoharjo. Berdasarkan penelitian yang dilakukan diperoleh hasil bahwa kegiatan apel rutin setiap pagi di SMK Negeri 6 SukoharjoÂ dapat digunakan sebagai sarana dan jalan yang efektif untuk membentuk dan menanamkan karakter serta budi pekerti yang baik pada anak seperti sikap disiplin, bertanggung jawab, sopan santun, nasionalisme serta saling menghargai terhadap sesama siswa dan menghormati kepada guru maupun temannya.

The Go-Public Policy and Its Impact to the Indonesian Islamic Bank Soundness Aini Masruroh; Hasbi Siraj
ETIKONOMI Vol 15, No 1 (2016)
Publisher : Faculty of Economic and Business

The needed of big fund inspired the companies to sell a part of its shares in the capital market. One of methods that used is to be a public company (Go-Public). However, for Islamic banking to be a public company is not main choice. At present, Islamic banking that was listing its shares in Indonesian Stock Exchange is one Islamic banking only. In this research described the comparison financial soundness of Islamic banking pre- Go-Public with post- Go-Public. The used of the analysis was the analysis of financial ratios of components contained in RBBR (Risk-based Bank Rating). Comparing between a financial soundness of Islamic banking pre go-public and post go-public used comparison test Paired-sample t test. The financial soundness condition of Islamic banking pre- and post- Go-Public overall changed to a better level. However, based on the result of further tests, showed that Go-Public policy only influenced to capital factor. DOI: 10.15408/etk.v15i1.2410

Strategi Alternatif untuk Akselerasi Pertumbuhan Bank Syariah: Penggabungan, Pemisahan, Akuisisi, dan Konversi Mohammad Nur Rianto Al Arif; Aini Masruroh; Dwi Nuraini Ihsan; Yuke Rahmawati
Al-Ulum Vol. 20 No. 1 (2020): Al-Ulum
Publisher : Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

The year 2023 is the deadline for sharia business units to decide on the business strategy to be carried out. This study aims to determine alternative strategies that can be carried out by sharia business units in accelerating business growth. The approach taken in this paper is a mixture of qualitative and quantitative approaches. A qualitative approach using SWOT analysis and interviews. While the quantitative approach using ARIMA. The ARIMA results show that no sharia business unit can achieve a 50% share of assets from its parent bank. This shows the spin-off strategy as mandated by the law needs to be evaluated. Alternative strategies that can be done is conversion, where there are already two banks that do this strategy. Also, another alternative strategy that can be taken is a merger between Islamic business units. Another alternative strategy is the acquisition of sharia business units by established sharia full-fledged banks.

MENGELOLA KEUANGAN SECARA SYARIAH DALAM RANGKA MENUMBUHKAN GOOD MONEY HABIT Aini Masruroh
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 5, No 1: January 2013
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

The wealth owned by Muslim basically is a trust from Allah that must be spent or distributed responsibly. Good habit in spending money is reflected on how the person makes a financial decision of his own. The main aspect in conducting the financial plan is the ability to save and invest. A person is qualified as having good money habits if he is able to ‚pay themselves‛ first than other interests. Meaning that each earn he have, he is able to allocate it to charity, the primary consumption, and plans for the future. Whereas the ‚spontaneous‛ type might probably refuses to make a financial planning.DOI: 10.15408/aiq.v5i1.2557

KONSEP DASAR INVESTASI REKSADANA Aini Masruroh
SALAM: Jurnal Sosial dan Budaya Syar-i Vol 1, No 1 (2014)
Publisher : Faculty of Sharia and Law UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjsbs.v1i1.1526

Abstract: Basic Concept of Mutual Fund Investing. The high demand of living and the inflation rate in Indonesia from year to year became the background the importance of investment activities. Saving is no longer able to be a solution in improving the financial capability of a person. Investing is an activity placement of the funds in investment instruments in hopes of obtaining the value added in the future. One of the attractive investment instrument is mutual funds. One can invest through mutual funds with very low capital, while also being able to diversify, have a small risk, but it has a competitive returns. Keywords: Investment, Mutual Fund Abstrak: Konsep Dasar Investasi Reksadana. Tingginya kebutuhan hidup dan tingkat inflasi di Indonesia dari tahun ke tahun menjadi latar belakang pentingnya melakukan kegiatan investasi, karena saving tidak lagi mampu menjadi solusi dalam meningkatkan kemampuan financial seseorang. Investasi merupakan suatu kegiatan/aktivitas penempatan sejumlah dana pada instrumen investasi dengan harapan akan memperoleh nilai tambah dimasa yang akan datang. Salah satu instrumen investasi yang menarik adalah reksadana. Melalui reksadana seseorang dapat berinvestasi dengan modal sangat rendah, sekaligus dapat melakukan diversifikasi, memiliki risiko kecil, namun memiliki imbal hasil yag kompetitif. Kata Kunci: Investasi, ReksadanaDOI:10.15408/sjsbs.v1i1.1526

Optimizing Hajj Fund Management through Strategic Asset Allocation in Islamic Finance Instrument Masruroh, Aini; Rodoni, Ahmad; Pontjowinoto, Iwan P
Signifikan: Jurnal Ilmu Ekonomi Vol 12, No 2 (2023)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v12i2.34403

The management of Hajj funds must be done effectively using a rigorous standardized risk management approach. This study aims to create a Hajj fund management model using Islamic financial instruments through the optimal portfolio method and strategic asset allocation. The model was built using historical data from 2010–2022, involving Islamic deposits, government sukuk (SBSN), corporate sukuk, and Islamic stocks, which were analyzed with the Markowitz portfolio equation in Excel Solver. The result showed that the optimal portfolio yields an 8.50% expected return with a 4.00% risk; strategic asset allocation produces an 8.25% return with a 2.99% risk. The policy implication of this research is the need to review the initial deposit of pilgrims and explore alternative investments to bridge the gap between the actual cost of Hajj and pilgrims' payments while improving returns.JEL Classification: M31, M37, L92 How to Cite:Masruroh, A., Rodoni, A., & Pontjowinoto, I. P. (2023). Optimizing Hajj Fund Management through Islamic Finance Instrument. Signifikan: Jurnal Ilmu Ekonomi, 12(2), 287-306. https://doi.org/10.15408/sjie.v12i2.34403.

PENGARUH HARGA EMAS DUNIA DAN EKONOMI MAKRO TERHADAP INDEKS SAHAM SYARIAH INDONESIA (ISSI) Al Wahhab KH, Hasbi Abdul; Masruroh, Aini
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 6 No 3 (2025): April
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.vi.54957

Abstrak Tujuan penelitian ini adalah untuk menganalisis pengaruh harga emas dunia dan variabel ekonomi makro yaitu inflasi, nilai tukar rupiah, PDB dan BI Rate terhadap Indeks Saham Syariah Indonesia (ISSI) periode 2017-2023. Jenis penelitian yang digunakan dalam penelitian ini yaitu analisis kuantitatif dengan metode Vector Error Correction Model (VECM). Adapun hasil penelitian ini yaitu dalam jangka pendek harga emas dunia dan nilai tukar rupiah memiliki pengaruh positif terhadap Indeks Saham Syariah Indonesia (ISSI), sedangkan inflasi, PDB dan BI rate tidak memiliki pengaruh terhadap ISSI. Dalam jangka panjang harga emas dunia, nilai tukar rupiah dan PDB memiliki pengaruh positif terhadap Indeks Saham Syariah Indonesia (ISSI) sedangkan, inflasi dan BI rate berpengaruh negatif terhadap ISSI. Terakhir, Indeks Saham Syariah Indonesia (ISSI) merespon positif shock yang diberikan oleh harga emas, nilai tukar rupiah, dan BI rate, sedangkan respon negatif diberikan oleh inflasi dan PDB. Kata Kunci: Harga Emas Dunia, Ekonomi Makro, ISSI Abstract The purpose of this study is to analyze the effect of world gold prices and macroeconomic variables is inflation, rupiah exchange rate, GDP and BI rate on the Indonesian Sharia Stock Index (ISSI) for the 2017-2023 period.. The type of research used in this study is quantitative analysis with the Vector Error Correction Model (VECM) method. The results of this study are that in the short term the world gold price and the rupiah exchange rate have a positive influence on the Indonesian Sharia Stock Index (ISSI), while inflation, GDP and BI rate have no influence on the ISSI. Meanwhile, in the long term, the world gold price, rupiah exchange rate and GDP have a positive influence on the Indonesian Sharia Stock Index (ISSI), while inflation and BI rate have a negative effect on the ISSI. Finally, the Indonesian Sharia Stock Index (ISSI) responds positively to the shock given by the gold price, rupiah exchange rate, and BI rate, while the negative response is given by inflation and GDP. Keywords: World Gold Price, Macroeconomics, ISSI

Optimizing Hajj Fund Management through Strategic Asset Allocation in Islamic Finance Instrument Masruroh, Aini; Rodoni, Ahmad; Pontjowinoto, Iwan P
Signifikan: Jurnal Ilmu Ekonomi Vol. 12 No. 2 (2023)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v12i2.34403

The management of Hajj funds must be done effectively using a rigorous standardized risk management approach. This study aims to create a Hajj fund management model using Islamic financial instruments through the optimal portfolio method and strategic asset allocation. The model was built using historical data from 2010–2022, involving Islamic deposits, government sukuk (SBSN), corporate sukuk, and Islamic stocks, which were analyzed with the Markowitz portfolio equation in Excel Solver. The result showed that the optimal portfolio yields an 8.50% expected return with a 4.00% risk; strategic asset allocation produces an 8.25% return with a 2.99% risk. The policy implication of this research is the need to review the initial deposit of pilgrims and explore alternative investments to bridge the gap between the actual cost of Hajj and pilgrims' payments while improving returns.JEL Classification: M31, M37, L92 How to Cite:Masruroh, A., Rodoni, A., & Pontjowinoto, I. P. (2023). Optimizing Hajj Fund Management through Islamic Finance Instrument. Signifikan: Jurnal Ilmu Ekonomi, 12(2), 287-306. https://doi.org/10.15408/sjie.v12i2.34403.

Factors of Halal Industry Ecosystem Development: A Study on the Islamic Hospital Industry in Indonesia Masruroh, Aini; Rahmawati, Yuke
Signifikan: Jurnal Ilmu Ekonomi Vol. 14 No. 2 (2025)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v14i2.46428

Research Originality: This study offers originality by examining Islamic hospitals, a sector that has been rarely explored in halal industry research. It employs a quantitative approach to analyze how knowledge and perception influence public intention, with preference serving as a mediating variable, providing new empirical evidence for strengthening the halal ecosystem in healthcare services. Research Objectives: This study aims to investigate the impact of knowledge and perception factors on public intentions to use sharia-certified hospitals, with preference serving as a mediating variable. Research Method: A quantitative descriptive approach was employed, utilizing primary data collected through questionnaires and analyzed using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method. Respondents consisted of individuals living in areas with the presence of Islamic hospitals. Empirical Results: The results showed that knowledge and perceptions have a significant influence on community preferences. Perceptions and preferences are also proven to affect people's intentions in choosing Islamic hospitals, while knowledge does not show a direct impact on intentions. Preference acts as a mediator in the relationship between knowledge, perception, and intentions. Implications: The findings underscore the significance of education in enhancing public knowledge, promoting positive perceptions, and developing effective marketing and regulatory strategies to strengthen the position of Islamic hospitals within the halal ecosystem development in Indonesia. JEL Classification: M31, O14, Z12 How to Cite:Masruroh, A., & Rahmawati, Y. (2025). Factors of Halal Industry Ecosystem Development: A Study on the Islamic Hospital Industry in Indonesia. Signifikan: Jurnal Ilmu Ekonomi, 14(2), 591-604. https://doi.org/10.15408/sjie.v14i2.46428.

Title

Found 13 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 13 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 13 Documents
Search