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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 Niqosiya: Journal of Economics and Business Research 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
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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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

Abstract

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.
The Utilization of Social Media as a Digital Marketing Tool for Strengthening the Local Economy in Kesugihan Village, Ponorogo Rizal, Fitra; Izzati, Syafira Khairina; Mashadi, Naufal Hisyam
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.1084

Abstract

This study aims to analyze the utilization of social media as a tool for digitizing the profile and promoting Kesugihan Village, Pulung District, Ponorogo Regency. The background of this research is the suboptimal use of social media at the village level, despite its significant potential to expand audience reach at a low cost. This study employs a descriptive qualitative method, with data collected through interviews, observations, documentation, and secondary sources. The findings indicate that Kesugihan Village possesses competitive advantages in the agricultural sector, micro, small, and medium enterprises (MSMEs), and tourism, particularly through activities at Sanggar Loka Sekar Wilis. The main challenges include low digital literacy and the absence of structured marketing strategies. Social media platforms, such as Instagram, Facebook, and TikTok, have proven effective in presenting village profiles, promoting local products, and attracting tourists, mainly when supported by training, mentoring, and the establishment of a digital promotion team. In conclusion, a consistent and well-directed social media strategy can expand market reach, enhance the competitiveness of local products, and foster sustainable economic development in the village.
Value-Based Intermediation in Islamic Finance in Malaysia: An Overview on Strategy, Issues and Challenges Mohd Yunus, Saidatolakma; Rizal, Fitra
Etihad: Journal of Islamic Banking and Finance Vol. 5 No. 2 (2025)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v5i2.12275

Abstract

Introduction: This study looks into how Value-Based Intermediation (VBI) is framed and implemented in the context of Islamic finance in Malaysia, especially through the efforts of Bank Negara Malaysia (BNM). VBI, which was introduced by BNM in 2017, is an initiative that aims to bring Islamic banking back to its original ethical foundations. It focuses on achieving the higher objectives of Shariah (Maqasid al-Shariah) by promoting practices that generate real, positive impact on the economy, society, and environment without sacrificing financial performance. Research Methods: The research uses qualitative methods, mainly by analysing documents such as the VBI strategy paper and other related guidelines issued by BNM. Results: The study identifies the VBIAF and VBI Scorecard as key instruments that support the integration of value-based principles in Islamic financial institutions. Despite this progress, challenges remain, particularly in shifting the industry’s profit-oriented mindset. The findings also confirm that VBI aligns closely with Maqasid al-Shariah and the United Nations Sustainable Development Goals (SDGs). Conclusion: The study highlights VBI’s potential to transform Malaysia’s Islamic finance landscape toward a more sustainable, value-driven, and impactful system.
Penerapan Etika Bisnis Islam Terhadap Kegiatan Produksi Pentol Corah dan Otak-Otak Assegaf Jaya Ponorogo Vita Listiani; Fitra Rizal
Niqosiya: Journal of Economics and Business Research Vol. 3 No. 2 (2023): Juli-Desember 2023
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v3i2.2836

Abstract

Assegaf Jaya Ponorogo Business is a business engaged in the field of culinary that produces pentol corah and otak-otak typical of Madiun City. Deep Production activities need to pay attention to Islamic production ethics by fulfilling Islamic principles. According to Yusuf Qardhawi, principles in production Islamic is producing in the scope of halal, protection of natural resources, and pay attention to targets. But the facts on the ground are still business people that violates Islamic business ethics towards production activities, such as addition substances that are haram, and there are producers who use tiren meat so that will harm consumers. Consumer losses in the form of material loss, declining health, and loss of consumer trust and loyalty Decreased. The purpose of this study is to analyze the application of activities production of pentol corah and otak-otak in Assegaf Jaya Ponorogo, driving factors and constraints on the application of Islamic business ethics to pentol corah production activities and the brains of Assegaf Jaya Ponorogo, and the impact of implementing production activities pentol corah and otak-otak in Assegaf Jaya Ponorogo. Types of research used is field research using qualitative methods with a descriptive approach. Data collection techniques are carried out by tactics interviews, observations, and documentation. Data sources obtained in the study are: primary data and secondary data. The results of this study show that application of business ethics to the production activities of pentol corah and otak-otak Assegaf Jaya Ponorogo is producing in a halal scope, namely using materials halal standards, do not mix haram, maintain cleanliness and have have a halal certificate from MUI, protection of natural resources with no the existence of production waste that damages the environment, paying attention to targets in the form of the creation of individual self-sufficiency and people's self-sufficiency. Driving factors in the form of A workforce that works according to expertise, sufficient capital, and the use of materials halal standard. Obstacles in the form of scarcity of raw materials for making brains, namely: mackerel and replace it with swordfish. Impact of ethical implementation Islamic business on production activities is a positive impact that can be felt by business owners, labor, and consumers. While the negative impact is in the form of scarcity of raw materials for brain production that affects satisfaction
Employee Recruitment At Maesa Ponorogo Hotel Islamic Economic Perspective Ahmad Ismi Muhaimin; Fitra Rizal
Niqosiya: Journal of Economics and Business Research Vol. 4 No. 1 (2024): Januari-Juni 2024
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v4i01.3216

Abstract

Introduction: Recruitment is essential in human resource management because it is the first step in finding suitable employees to fill vacant positions. Managers are responsible for managing human resources, so a fair attitude is vital. Good recruitment can increase a positive image and profits for the company. This research aims to analyze the implementation and impact of employee recruitment at the Maesa Ponorogo Hotel from an Islamic economic perspective. Research Methods: The type of research used by researchers is field research, while the method used in this research is qualitative. Results: This research shows that Hotel Maesa Ponorogo places integrity and fairness as a top priority by Islamic recruitment principles so that every candidate has an equal opportunity to be assessed based on their qualifications and potential. This process affects the quality of service to customers and creates a productive and harmonious work environment for employees. Thus, Hotel Maesa Ponorogo's employee recruitment policy reflects their commitment to providing high-quality services, which strengthens the company's positive image and increases overall customer satisfaction, contributing to increased profits for Hotel Maesa.
Health of Islamic Banks in Indonesia After the Covid-19 Pandemic: Financial Performance Analysis Fitra Rizal
Niqosiya: Journal of Economics and Business Research Vol. 4 No. 2 (2024): Juli-Desember 2024
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v4i2.4225

Abstract

Introduction: The Covid-19 pandemic has significantly impacted the global financial sector, including Indonesia. This study aims to analyze the health level of Islamic Commercial Banks after the Covid-19 pandemic in Indonesia using the NPF, ROA, and CAR Ratios from January 2020 to June 2024. Research Methods: The research method used is qualitative with a descriptive approach. Result: The study results show that the average NPF ratio of Islamic Commercial Banks in 2020-2024 was 2.44%, indicating that Islamic Commercial Banks are Healthy. The smaller the NPF, the healthier the bank. The average ROA ratio of Islamic Commercial Banks in 2020-2024 was 1.77%, indicating that Islamic Commercial Banks are in a very healthy condition. The greater the ROA, the healthier the bank. The average CAR ratio of Islamic Commercial Banks 2020-2024 of 24.91% shows that Islamic Commercial Banks are in a very healthy condition. The greater the CAR, the healthier the bank. Conclusion: From the study results above, it can be concluded that the health level of Islamic commercial banks in Indonesia after the Covid 19 pandemic is very well maintained. This confirms that Islamic banks in Indonesia have resilience in facing the economic crisis. This provides confidence for stakeholders to continue investing and participating in the Islamic financial ecosystem.
Co-Authors Adella, Salma Nauval Ahmad Ismi Muhaimin Angrum Pratiwi Dedy Mainata Dhimas Haryo Prayoga Diah Ayu Rosanti Diah Ihdini Amalia Endriana Nur Anggrahini Erika Mega Wahyu Andini Febrilyantri, Candra Haniatul Mukaromah Ida Ayu Putu Sri Widnyani Izzati, Syafira Khairina Kumalasari, Marta Della Mashadi, Naufal Hisyam Mohd Yunus, Saidatolakma Muchtim Humaidi Mukaromah, Haniatul Mutiara, Nanda Nik Amah Nur Farichan, Mu’aifi Prihayatni, Enfila Putri, Elma Agistiana Rofiqo, Azidni Vita Listiani Zainul Ihrom, Mohammad