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All Journal Kodifikasia: Jurnal Penelitian Islam MUSLIM HERITAGE: JURNAL DIALOG ISLAM DENGAN REALITAS Al-Tsaqafa: Jurnal Ilmiah Peradaban Islam El-Barka: Journal of Islamic Economics and Business ACTIVA: Jurnal Ekonomi Syariah Al-Manhaj: Jurnal Hukum dan Pranata Sosial Islam Journal of Islamic Economics and Finance Studies IJOIS: Indonesian Journal of Islamic Studies Journal of Islamic Economics and Philanthropy Invest Journal of Sharia & Economic Law Etihad: Journal of Islamic Banking and Finance Journal of Islamic Economics Abdimas Indonesian Journal Indonesian Journal of Islamic Economics and Finance Journal of Economics and Social Sciences INASJIF Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Amaluna: Jurnal Pengabdian Masyarakat

Rizal, Fitra

Institut Agama Islam Negeri Ponorogo

Author-ID : 2688084

Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Social Sciences Other

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Pelatihan Digital Marketing untuk Meningkatkan Penjualan Produk Pertanian Kelompok Tani Wanita Permata Indah Desa Selur Fitra Rizal; Dhimas Haryo Prayoga; Diah Ihdini Amalia; Diah Ayu Rosanti; Endriana Nur Anggrahini; Erika Mega Wahyu Andini
Abdimas Indonesian Journal Vol. 2 No. 2 (2022)
Publisher : CV. Adiguna Kertosari

Show Abstract | Download Original | Original Source | Check in Google Scholar

The Permata Indah Women Farmers Group in Selur Village was established in 2011 with the aim of empowering housewives and boosting the family economy. Activities at the Women's Farmer Group (KTW) are in the form of processing plantation products in the form of bananas into processed foods such as chips and banana sale. Since the Covid-19 pandemic began to spread in the Ponorogo Regency area, the level of sales has also decreased because the sales system still does not use social media. As a result, production activities are also stopped to avoid losses. But now, after almost 2 years of production stopping and the pandemic starting to improve, the enthusiasm of the mothers has decreased. Therefore, we have the initiative to hold a training which was attended by 20 participants with the theme of digital marketing to provide new business innovations through digital platforms. The purpose of this training is to provide knowledge about digital marketing based on social media and increase sales of women's farmer groups' products. This activity uses an asset-based community-development (ABCD) approach to optimize existing assets and potential. The end result of this activity is that the trainees can create and operate social media accounts in the form of WhatsApp Business and Instagram Business. Thus, it is hoped that it can improve the economy for the Permata Indah Women Farmer Group in Selur Village. The trainees also felt satisfied and more motivated to restart production that had stopped.

RELEVANSI PEMIKIRAN EKONOMI ISLAM ABU YUSUF DENGAN MEKANISME PASAR MODERN Haniatul Mukaromah; Fitra Rizal
Journal of Islamic Economics and Philanthropy Vol. 3 No. 3 (2021): February
Publisher : Universitas Darussalam Gontor

Market mechanism is the most important thing in determining the price level in the market. This research aims to see how the market mechanism relevance according to Abu Yusuf with modern market mechanisms. The research method used is a qualitative research methodology with a library research approach. The results showed that there is a relevance of Abu Yusuf's Islamic economic thought with modern economics. This means that there are similarities between the concept of the market mechanism according to Abu Yusuf and the modern market mechanism. Abu Yusuf opposes government intervention in setting prices. The government acts as a regulator / referee in the market mechanism. This means that the government has the duty to ensure that prices in effect in the market are fair prices, which are obtained from natural market mechanisms (based on levels of demand and supply), not monopoly or market engineering. However, the government may intervene in price when there is a monopoly or market distortion.

Pengaruh Pembiayaan Murabahah dan Financing to Debt Ratio terhadap Profitabilitas yang dimoderasi oleh Non Performing Financing pada BTPN Syariah Febrilyantri, Candra; Amah, Nik; Rizal, Fitra
AL-MANHAJ: Jurnal Hukum dan Pranata Sosial Islam Vol 5 No 2 (2023)
Publisher : Fakultas Syariah INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almanhaj.v5i2.3885

Murabahah financing is the most preferred financing option among customers due to its low risk and its versatility for working capital, consumption, or investment purposes. However, there is a phenomenon observed in BTPN Shariah where the increase in Murabahah financing is not accompanied by a rise in profits. Furthermore, the lack of profit increase is suspected to be due to the low Financing to Debt Ratio (FDR). This research aims to understand how Murabahah financing and FDR influence the profitability of Islamic banks, with Non-Performing Financing (NPF) acting as a moderator. The research sample includes quarterly reports from BTPN Shariah for the period 2015-2022, using purposive sampling techniques. The study utilizes SPSS 25 for analysis, including multiple linear regression,and Moderating Regression Analysis (MRA). The test results indicate that Murabahah financing, when considered individually, has an impact on profitability, whereas the Financing to Debt Ratio does not affect profitability. When both Murabahah financing and FDR are considered together, they collectively influence profitability with a percentage of 71.2% before moderation by NPF. The MRA results suggest that Non-Performing Financing is unable to moderate the impact of the two independent variables, namely Murabahah financing and FDR, on profitability.

Analisis Tingkat Kesehatan Bank Syariah di Indonesia 2015-2020 Rizal, Fitra; Humaidi, Muchtim
Etihad: Journal of Islamic Banking and Finance Vol. 1 No. 1 (2021)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v1i1.2733

This study aims to determine the soundness level of Islamic Commercial Banks (BUS) in Indonesia using the Risk Based Bank Rating (RBBR) method or better known as the RGEC method, includes the Risk Profile, Earning and Capital BUS in Indonesia 2015-2020. This type of research is a descriptive study with a qualitative approach. The results showed that, the average NPF BUS 2015-2020 ratio was 3.99%, indicating that BUS was in the healthy predicate. The smaller the NPF, the healthier the bank. The average ROA ratio of BUS 2015-2020 is 1.03%, indicating that BUS is in a fairly healthy predicate. The greater the ROA, the healthier the bank. And the average CAR 2015-2020 ratio of 18.73% indicates that BUS is in a very healthy predicate. The bigger the CAR, the healthier the bank. This fact shows that the performance of BUS in Indonesia needs to be improved so that the profit (ROA) is maximized.Penelitian ini bertujuan untuk mengetahui tingkat kesehatan Bank Umum Syariah (BUS) di Indonesia dengan metode Risk Based Bank Rating (RBBR) atau yang lebih dikenal sebagai metode RGEC, mencakup Risk Profile, Earning dan Capital BUS di Indonesia 2015-2020. Jenis penelitian yang digunakan adalah penelitian deskriptif dengan pendekatan Kualitatif. Hasil penelitian menunjukkan bahwa, rata-rata rasio NPF BUS 2015-2020 sebesar 3,99 % menunjukkan bahwa BUS dalam predikat Sehat. Semakin kecil NPF maka bank semakin sehat. Rata-rata rasio ROA BUS 2015-2020 sebesar 1,03 % menunjukkan bahwa BUS dalam predikat cukup sehat. Semakin besar ROA maka bank semakin sehat. Dan rata-rata rasio CAR BUS 2015-2020 sebesar 18,73 % menunjukkan bahwa BUS dalam predikat sangat sehat. Semakin besar CAR maka bank semakin sehat. Fakta tersebut menunjukkan bahwa kinerja BUS di Indonesia perlu ditingkatkan agar keuntungan (ROA) yang diperoleh semakin maksimal.

Analysis of Customer Decision Determinants in Choosing Small Medium Enterprise Products at Bank Muamalat Kumalasari, Marta Della; Rizal, Fitra
Etihad: Journal of Islamic Banking and Finance Vol. 3 No. 1 (2023)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v3i1.6280

Introduction: This study aims to determine the effect of customer perceptions, motivation, and knowledge on choosing products for small and medium enterprises, either partially or simultaneously. Research Methods: This type of research is quantitative. The population in this study were all customers who chose small and medium enterprises products at Bank Muamalat KCP Ponorogo, totaling 395 customers. Withdrawal of samples using incidental techniques with solving measurements, so 80 respondents were obtained. Methods of data collection through questionnaires. Test results using SPSS 23. Results: The results of this study indicate that the variables of perception, motivation, and customer knowledge significantly affect the decision to choose products for small and medium enterprises at Bank Muamalat KCP Ponorogo both partially and simultaneously. Conclusion: This study concludes that for customer perception, motivation, and knowledge, if it increases, it will also increase customer decisions in choosing small and medium enterprise products at Bank Muamalat KCP Ponorogo.

Contribution of Sharia Banks to the Indonesian Economy Rizal, Fitra
Etihad: Journal of Islamic Banking and Finance Vol. 3 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v3i2.9597

Introduction: Banks, as financial intermediaries, have a strategic role in driving the economy. This research analyzes the influence of third-party funds and working capital financing of Sharia commercial banks on the Indonesian economy. Research Methods: The research method is quantitative by conducting multiple linear regression tests. The data type used is secondary data from 2015 to 2022, with a sample size of 13 Islamic commercial banks in Indonesia. This data was obtained from BI and OJK reports. Results: The research results show that; There is a significant influence between the Third Party Funds variable on Gross Domestic Product. There is a significant influence between the Working Capital Financing variable on the Gross Domestic Product. And together the variables Third Party Funds and Working Capital Financing have a significant influence on Gross Domestic Product. With a coefficient of determination value of 91.8 percent. Conclusion: This shows that Islamic banks have a real contribution to economic growth in Indonesia. So management and the government must improve bank performance so that the circulation of funds in banks runs smoothly, people's production activities increase, the use of labor is maximized, and ultimately the Indonesian economy improves.

Analisis Pertumbuhan Ekonomi Jawa Timur Pada Masa Covid-19 Putri, Elma Agistiana; Rizal, Fitra
Journal of Economics and Social Sciences (JESS) Vol. 1 No. 2 (2022): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

This study aims to analyze economic growth during the Covid-19 period in East Java for the 2019-2021 period. This study used a qualitative method using a library research approach. Based on the results of the study, economic growth during the Covid-19 period in East Java for the 2019-2021 period experienced a drastic decline. Where in quarter IV-2020 against quarter IV-2019 (y-on-y) East Java's economy contracted by 2.64 percent. In the first quarter of 2020, growth began to slow down to 2.97 percent. Furthermore, in the second quarter of 2020 it contracted to 5.98 percent compared to the second quarter of 2019. And in the second quarter of 2021 economic conditions began to improve even though they were still contracting, namely by 7.05 percent. Penelitian ini bertujuan untuk menganalisis pertumbuhan ekonomi pada masa Covid-19 di Jawa Timur periode 2019-2021. Penelitian ini menggunakan metode kualitatif dengan menggunakan pendekatan studi Pustaka (Library Research). Bedasarkan hasil penelitian menunjukkan pertumbuhan ekonomi pada masa Covid-19 di Jawa Timur periode 2019-2021 mengalami penurunan secara drastis. Dimana pada triwulan IV-2020 terhadap triwulan IV-2019 (y-on-y) ekonomi Jawa Timur terkontraksi sebesar 2,64 persen. Pada triwulan I-2020, pertumbuhan mulai melambat menjadi 2,97 persen. Selanjutnya triwulan II-2020 terkontraksi mencapai 5,98 persen dibanding triwulan II-2019. Dan pada Triwulan II-2021 kondisi ekonomi mulai membaik walaupun masih terkontraksi, yaitu sebesar 7,05 persen.

Analysis of the Performance of Rural Sharia Banks in Indonesia During the Covid-19 Pandemic Rizal, Fitra
Invest Journal of Sharia & Economic Law Vol. 3 No. 1 (2023): INVEST - Vol. 3 No. 1 (2023)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v3i1.6025

Covid-19 has a significant impact on the economy, including the Islamic financial industry in Indonesia. So, research on the performance of Islamic banks, including the performance of Islamic banks in Indonesia is very interesting to study. This study aims to determine the level of performance of BPRS in Indonesia during the Covid-19 pandemic in 2019-2021, based on OJK Circular Letter; SEOJK number 28/SEOJK.03/2019. This study uses qualitative descriptive methodology. The results of the study show that the average CAR ratio of BPRS in 2019-2021 is 23.46 percent, which indicates that BPRS is very healthy. The average NPF ratio of BPRS in 2019-2021 is 7.08 percent, which indicates that BPRS is healthy. And the average ROA ratio of BPRS in 2019-2021 is 2.11 percent, which indicates that BPRS is very healthy. Based on the above research results, the performance of BPRS in Indonesia during the Covid-19 pandemic was exceptional. This means that BPRS in Indonesia can continue to operate intact even under sluggish economic conditions. This shows that the performance of BPRS in Indonesia during the Covid-19 pandemic is in the healthy and stable category. This emphasizes that Islamic banks are resilient in the face of an economic crisis. Therefore, it is expected that bank management should always improve the performance of BPRS by paying attention to the capital aspect, asset quality aspect, income aspect, and liquidity aspect.

Determinants of Islamic Commercial Bank Performance in Indonesia Rizal, Fitra; Mukaromah, Haniatul
Indonesian Journal of Islamic Economics and Finance Vol 3 No 2 (2023)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v3i2.6131

As financial intermediary institutions, banks have a strategic role in driving the economy, so bank performance must be appropriately maintained. This study aims to analyze the effect of third-party funds and working capital financing of Islamic commercial banks on the performance of Islamic commercial banks in Indonesia. The research method used is quantitative by conducting multiple linear regression tests. The data type used is secondary data from 2015 to 2022, with a sample of 13 Islamic commercial banks in Indonesia. The data was obtained from BI and OJK reports published on https//www.ojk.go.id. The study results indicate that Third Party Funds do not affect Indonesia's ROA of Islamic commercial banks. Working capital financing significantly affects the ROA of Islamic commercial banks in Indonesia. And if together, third-party funds and working capital financing significantly affect the ROA of Islamic commercial banks in Indonesia. Third-party funds do not affect the ROA of Islamic general banks because the operational costs (BOPO) borne by Islamic general banks are included in the very high category. Therefore, to increase ROA, banks must apply the principle of prudence and valid calculations in carrying out banking operations and financing.

WAKAF NON MUSLIM DAN WAKAF UANG MENURUT PANDANGAN WAHBAH ZUHAILI FITRA RIZAL
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 5, No 2 (2019)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v5i2.2059

Islam presents itself as a philanthropic-faced religion, by realizing social security for the community to achieve a noble life. With the current development, it is important to bring up various challenges related to waqf law in Islam, specifically endowments, non-Muslims, and endowments of money. This article provides an explanation of how non-Muslim endowments and money waqf in Islam. According to Wahbah Zuhaili, Waqf from non-Muslims is permitted. Like in the activities of building mosques, schools and other facilities, both money, building materials and energy used for the construction. Donations or assistance are permitted, with conditions not binding and will not cause danger or slander in the future, both for Muslims and for supported institutions. According to Wahbah Zuhaili, waqf money is permissible. The Hanafi school that allows money waqf. For the reason of Istihsan bi al-Arabi, because many people have done it. In this regard, Wahbah Zuhaili states, in al-Fiqh al-Islamiy wa ill Adillatuhu, what is meant is generally as follows, "Mutaqodimiin of the Hanafi School allows waqf money and dinars".

Co-Authors Adella, Salma Nauval Angrum Pratiwi Dedy Mainata Dhimas Haryo Prayoga Diah Ayu Rosanti Diah Ihdini Amalia Endriana Nur Anggrahini Erika Mega Wahyu Andini Febrilyantri, Candra Haniatul Mukaromah Humaidi, Muchtim Ida Ayu Putu Sri Widnyani Izzati, Syafira Khairina Kumalasari, Marta Della Mashadi, Naufal Hisyam Mohd Yunus, Saidatolakma Mukaromah, Haniatul Mutiara, Nanda Nik Amah Nur Farichan, Mu’aifi Prihayatni, Enfila Putri, Elma Agistiana Rofiqo, Azidni Zainul Ihrom, Mohammad

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