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All Journal Inovator : Jurnal Manajemen MONETER Abdi Dosen : Jurnal Pengabdian Pada Masyarakat JURMA : Jurnal Program Mahasiswa Kreatif Gema Wisata Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Moneter : Jurnal Keuangan dan Perbankan JEBD Jurnal Harmoni: Jurnal Akuntansi dan Keuangan Journal of Business Economics and Management Indonesian Journal of Innovation Multidisipliner Research Jurnal Pengabdian Nusantara Manager : Jurnal Ilmu manajemen Edueksos: Journal Pendidikan Sosial dan Ekonomi
Widhi Ariyo Bimo
Universitas Ibn Khaldun Bogor
Religion Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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PROSEDUR GADAI EMAS DIERA DIGITALISASI DENGAN AKAD QARDH PADA PT. BPRS AMANAH UMMAH KANTOR PUSAT LEUWILIANG Marlina, Asti; Hanifan, Muhamad Zakie; Bimo, Widhi Ariyo
MONETER Vol 9 No 2 (2021): OKTOBER
Publisher : Fakultas Ekonomi dan Bisnis Universitas Ibn Kahldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (241.668 KB) | DOI: 10.32832/moneter.v9i2.6661

Abstract

The gold pawn procedure in the digitalization era at PT. BPRS Amanah Ummah. In Indonesia, there is a dualism of sharia pawning institutions, namely in sharia pawnshops and sharia banking, sharia pawnshops serve objects other than gold and the like. While Islamic banks do not accept pledges other than gold, of course this does not escape using two transaction techniques, namely Qardh and Ijarah contracts. As for the mechanism of the sharia gold pawn procedure at PT. BPRS Amanah Ummah is a customer must and must come to the bank with gold to be pawned, then the bank checks or checks the quality of gold and gold content brought by the customer. As for how to pay installments or pay off debts to the bank, customers can make payments using digital methods such as ATMs, Mobile Banking, funds, OVO, and Link Aja. However, this cannot be separated from the transaction, which often encounters several problems, namely, the calculation of the estimated gold both for extension and at the time of repayment. Therefore PT. BPRS Amanah Ummah must develop an information system for the extension and repayment of the gold pawn. To develop a system of relations between tables (RAT), Entity Relationship Diagram (ERD), and Data Flow Diagrams (DFD) to see the flow of the system, while to build the flow of this system used system development tools Miscrosof Basic net and Myiso database. which will be used later..
Penerapan Akad Murabahah dalam Pembiayaan Modal Usaha pada PT. BPRS Amanah Ummah cabang Bogor Ariyo Bimo, Widhi; Hanifan, M. Zakie; Maulani, Denia
MONETER Vol 10 No 1 (2022): APRIL
Publisher : Fakultas Ekonomi dan Bisnis Universitas Ibn Kahldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (353.135 KB) | DOI: 10.32832/moneter.v10i1.7025

Abstract

Kegiatan usaha atau bisnis saat pandemi covid-19 banyak terganggu, pelaku usaha harus tetap bertahan, selain membuat inovasi baru dalam menciptakan produk dan  dapat memperoleh modal usaha untuk memulai atau mengembangkan usaha yang terdampak oleh pandemi. Tujuan dari penelitian ini adalah untuk mengetahui bagaimana mekanisme penerapan akad murabahah dalam pembiayaan modal usaha pada PT. BPRS Amanah Ummah Cabang Bogor. Hasil dari pembahasan ini menunjukan bahwa mekanisme pembiayaan modal usaha dengan akad murabahah dilakukan sesuai prosedur dan melalui beberapa tahap dan dalam menyalurkan pembiayaan nya PT. BPRS Amanah Ummah Cabang Bogor selalu mengedepankan aspek syariah dan prinsip kehati-hatian dalam pemberian pembiayaan dan melakukan penilaian dengan teliti dan objektif.
Sistem Perhitungan Gadai Emas PT.BPRS Amanah Ummah Bimo, Widhi Ariyo; Hanifan, M. Zakie; Azmia, Nora
MONETER Vol 10 No 2 (2022): OKTOBER
Publisher : Fakultas Ekonomi dan Bisnis Universitas Ibn Kahldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (307.757 KB) | DOI: 10.32832/moneter.v10i2.8504

Abstract

Bank Pembiayaan Rakyat Syariah (BPRS) adalah bank yang melaksanakan kegiatan usaha berdasarkan prinsip Syariah Salah satu produk yang dimiliki oleh BPRS adalah gadai syariah, produk tersebut bertumbuh secara signifikan dimasa perekonomian yang sedang bergejolak, Gadai emas syariah adalah penggadaian atau penyerahan hak penguasa secara fisik atas harta/barang berharga berupa emas dari nasabah (arraahin) kepada bank (al-murtahin) untuk dikelola dengan prinsip ar-rahn yaitu sebagai jaminan (al-marhun) atas peminjaman/utang (almurhabih) yang diberikan kepada nasabah/peminjam tersebut. Transaksi tersebut merupakan kombinasi/penggabungan dari beberapa transaksi atau akad yang merupakan satu rangkaian yang tidak terpisahkan salah satunya, Metode yang digunakan adalah metode deskriptif kualitatif, data yang diperoleh merupakan data primer yaitu jenis data yang dikumpulkan secara langsung dari sumber utamanya melalui wawancara terbuka dan tertutup dengan karyawan dan pemangku kebijakan yang ada di BPRS Amanah Ummah. Bagaimana sistem perhitungan gadai emas pada PT. BPRS AMANAH UMMAH, adapun Sistem Perhitungan Gadai Emas pada PT. BPRS AMANAH UMMAH diawali dengan mengecek kualitas kelayakan emas dilanjutkan dengan menentukan ISI setelah mendapatkan isi maka harus menentukan BERAT JENIS, setelah selesai mendapatkan isi dan berat jenis maka dapat ditentukan kadar emasnya sesuai dengan tabel tabel perhitungan kadar emas, selanjutnya dapat dihitung berapa pinjaman yang didapatkan, setelah mendapatkan pinjaman atas gadai tersebut maka ditentukan berapa biaya titip yang harus dibayarkan berdasarkan tabel biaya titip/pemeliharaan
Determinasi Akses Kredit Formal UMKM Sektor Makanan Minuman Masa Pandemi Aminda, Renea Shinta; Bimo, Widhi Ariyo; Marlina, Asti; Mahmud, Khalisah Surend; Handayani, Tias
MONETER Vol 10 No 2 (2022): OKTOBER
Publisher : Fakultas Ekonomi dan Bisnis Universitas Ibn Kahldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (431.897 KB) | DOI: 10.32832/moneter.v10i2.8543

Abstract

Pada penelitian ini memiliki tujuan untuk mengidentifikasi literasi keuangan dan pengaruhnya pada akses kredit formal, menganalisis serta mengkaji persyaratan kredit pada akses kredit formal dan melakukan kajian mendalam faktor akses kredit formal termasuk pengaruh dari literasi keuangan dan persyaratan kredit UMKM sektor makanan dan minuman. Dapat diketahui bahwa jumlah keseluruhan kelompok UMKM usaha kuliner sejumlah 1541 di kota bogor terdaftar di dinas UKM dan koperasi Kota Bogor yang terdata di web resmi UMKM Kota Bogor. Salah satu masalah utama yang sering dihadapi UMKM adalah terbatasnya aspek keuangan terhadap pengelolaan modal awal serta akses untuk modal kerja, pendanaan jangka panjang terhadap investasi yang dibutuhkan yang akan berdampak kepada pertumbuhan produktif jangka panjang. Pandemi COVID-19 memberikan masalah baru terhadap perkembangan kelompok UMKM usaha kuliner khususnya ketika pengajuan pembiayaan kelompok UMKM usaha kuliner kepada Lembaga Keuangan sehingga TKT dalam studi ini dalam bentuk melakukan eksplorasi dan tipologi orientasi pada klasifikasi pengaruh literasi keuangan UMKM sektor makanan dan minuman, menganalisis serta mengkaji faktor apa saja yang ada pada persyaratan kredit pada sektor makanan dan minuman, menganalisis dan mengkaji lebih dalam lagi akses kredit formal UMKM yang beroperasi di sektor makanan dan minuman selama masa pandemi.
Implementasi Nisbah Bagi Hasil Produk Tabungan Mabrur Melalui Akad Mudharabah Mutlaqah dalam Perspektif Ekonomi Islam Aliyah, Hikmatul; Bimo, Widhi Ariyo; Maulani, Denia; Sopian, Rian
MONETER Vol 10 No 2 (2022): OKTOBER
Publisher : Fakultas Ekonomi dan Bisnis Universitas Ibn Kahldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v10i2.14682

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana penerapan akad Mudharabah Multaqah tabungan Mabrur dan Penerapan Nisbah Bagi Hasil Produk Tabungan Mabrur dalam Perspektif Islam pada PT. BPRS Amanah Ummah. Metode kualitatif deskriptif digunakan dengan mendeskripsikan penelitian berdasarkan kajian, uraian dan penjelasan yang diberikan dilengkapi dengan dokumentasi data pada tahun 2018 sampai dengan 2020 untuk mengukur perkembangan jumlah nasabah haji. Pengumpulan data dalam penelitian ini diperoleh melalui observasi awal objek penelitian dan wawancara. Pengelolaan dana mudharabah,BPRS Amanah Ummah akan membagikan hasil keuntungan kepada pemilik dana sesuai dengan nisbah yang telah disepakati di awal akad pembuka rekening. Penerapan sistem bagi hasil revenue sharing sebagai pembagian nisbah didasarkan pada seluruh nilai pendapatan yang diperoleh dengan komponen biaya yang dikeluarkan.
Implementation of Risk Management BSI Griya Hasanah product at bank "X" Bimo, Widhi Ariyo; Pahira, Siti; Azmia, Nora
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 1 (2023): APRIL
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i1.150

Abstract

Financing is the main activity of Islamic banks in channeling funds to the community. One of the financing products is Home Ownership Loans (KPR). Risk management is a series of procedures and methodologies that can be used to identify, measure, monitor and control risks arising from the bank's business activities. The research method used is a qualitative method with the formulation of descriptive problems to obtain data by means of interviews and literature studies. Results The application of risk management in home ownership financing or Griya Hasanah is in accordance with Bank Indonesia regulations Article 3 of Bank Indonesia Regulation No: 13/23 / PBI / 2011 that the implementation of risk management includes at least (a) active supervision of the board of commissioners, directors, and sharia supervisory board (b) adequacy of policies, procedures, and determination of risk management limits and (c) adequacy of the process of identifying, measuring, monitoring, and controlling risks and risk management information systems (d) a comprehensive internal control system. The benefits for the bank are the progress and health of the bank and the benefits for customers, namely the ease of owning a house and applying for Griya Hasanah product financing.
Business Model Community Based Marketing For Beras Sagu, PERSADIA Community AZMIA, NORA; Evy Pramita Hidariyani; Widhi Ariyo Bimo
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 1 (2023): APRIL
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i1.155

Abstract

Indonesia was ranked 6th among 10 countries with the highest number of people with diabetes mellitus, which amounted to 10.3 millions (International Diabetes Federation, 2017). The causes mostly are diet (eating habits) and lifestyle. The staple food of the Indonesian people is still dominated by rice which comes from the rice plant and has a high glycemic index which contribute to high glucose levels in the body. PUSPIPTEK BPPT (Science and Technology Research Center BPPT) developed Sago Rice® namely rice made from sago starch (Metroxylon spp). Sago Rice® was created with the aim of providing an alternative carbohydrate food to replace rice. The product has clinical trial results with a low glycemic index compared to other types of rice. A special marketing strategy is needed to introduce Sago Rice® to wider community in Indonesia. This article is an elaboration of marketing aspect from a thesis project conducted in 2016 – 2017. The research aimed to initiate a marketing strategy for Sago Rice® product. Qualitative descriptive research method was used to make a community-based marketing strategy through the PERSADIA Community (Indonesian Diabetes Association). The results showed that the community-based marketing strategy was well received by the community members. In addition to providing value-added knowledge of alternative carbohydrate sources, this strategy also improves public health. Thus, a community-based marketing strategy can be used as one of the marketing strategies for Sago Rice® in Indonesia.
Analysis Of Change Rate And Interest Rate Changes To Indonesia’s Trade Balance Aminda, Renea Shinta; Vannesia, Tasya; Bimo, Widhi Ariyo; Suharti, Titing
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.408

Abstract

This research examines the impact of exchange rates and interest rates on Indonesia's trade balance from 1991 to 2021. International trade plays a crucial role in a country's economic activities, with exports and imports being key components. Monitoring these activities allows for the assessment of whether a nation's trade balance is in surplus or deficit. The trade balance of Indonesia is influenced by various factors, including exchange rates and interest rates. Employing the Error Correction Model (ECM) for analysis, both long-term and short-term effects were investigated. Classical assumption tests and significance tests, covering normality, multicollinearity, autocorrelation, partial (t tests), simultaneous (F test), R-Squared, and Adjusted R-Squared tests were conducted. The findings reveal that exchange rates have a significant impact on Indonesia's trade balance, with a stronger exchange rate leading to a favorable trade balance. Specifically, a robust exchange rate results in a reduction of export value surpassing that of imports. In contrast, interest rates were found to have no significant effect on the trade balance due to global economic disparities, financial market uncertainties stemming from the Covid-19 pandemic, and trade barriers imposed by individual countries.
Islamic Bank: Fatwa Perspective from The National Sharia Council of The Indonesian Ulama Council on Resolving Financing Problems Maulani, Denia; Artasya, Andini Nabilah; Bimo, Widhi Ariyo; Aliyah, Hikmatul
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.438

Abstract

Financing in Islamic banks has a level of risk that the possibility of default occurs, so it is necessary to analyze the correct financing by bank staff so as not to cause losses and require handling that is fast, precise and in accordance with sharia provisions. This study aims to determine the efforts to resolve problematic financing, the factors causing problematic financing and the suitability of the Fatwa of the National Sharia Council-Indonesian Ulema Council with existing financing at PT.BPRS Amanah Ummah. Qualitative-descriptive method by collecting data through interviews and documentations. During 2022, the percentage of non-performing financing at PT.BPRS Amanah Ummah Bogor Branch is 0% lower than the maximum percentage limit for non-performing financing determined Bank Indonesia of 5%, the performance of PT.BPRS Amanah Ummah Bogor Branch in 2020 -2022 is categorized as very healthy. Efforts made by PT.BPRS Amanah Ummah in dealing with problematic financing, namely taking an intensive approach to financing customers, providing customer summons, rescheduling and selling joint guarantees. Factors causing problematic financing consist of bank internal factors and bank external factors. Settlement of non-performing financing at PT.BPRS Amanah Ummah with the DSN-MUI Fatwa is in accordance with the review of the DSN-MUI Fatwa No.48/DSN-MUI/II/2005 concerning rescheduling murabahah bills and DSN-MUI Fatwa No.47/DSN-MUI /II/2005 concerning the settlement of murabahah receivables for customers unable to pay.
Land Use in RW 003 Benteng Village Sari, Diana Novita; Bimo, Widhi Ariyo
Jurnal Pengabdian Nusantara Vol. 1 No. 1 (2023): JANUARI
Publisher : Konsorsium Nasional Pengelola Jurnal Pengabdian

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/jpn.v1i1.13

Abstract

Use of the yard will provide sustenance. Because in principle, humans lived in need of these items of food, and of what they worked to provide the necessities of life. This activity aims to motivate the community to make the most of their homeland, as it will become an economically valuable plant and be able to increase family economic incomes and meet daily needs. The method used in acquiring information is descriptive. Based on land conditions for the Benteng village rt 002/ rw 003 have the opportunities and the potential to benefit fresh vegetables as healthy and nutritious food for families and communities. The results of the exploitation of yards already available to families and communities are a benefit derived from the optimization of the yard.
Co-Authors A Sobandi A Sobandi , A Sobandi A, Raden Mita Afifah Tussya Adah Adah Agung Wibowo Aji, Apnur Wirli Ali Nurjali Aliyah, Hikmatul Amalia, Elma Artasya, Andini Nabilah Asifa Ramadhanti Putri Asti Marlina Astria, Wiji Avessina, Mohammad Jibriel Azolla Degita Azis Cahya, Tommy Cetrin Salsa Dilla Dangi Dangi Dangi, Dangi Dava Pratama Denia Maulani Deviyana, Alvira Putri Epita, Nur Evy Pramita Hidariyani Fatimah, Anisa Usnul Fenny Raharyanti Firdaus, M. Azis Firdaus, Muhammad Azis Fitriyani, Novia Indah Hamidah Hadzami Handayani, Tias Handoyo, Agus F Hanif Zaidan Sinaga Hanifan, M. Zakie Hanifan, Muhamad Zakie Hannisa Rahmaniar Hasnin Hendri Maulana Heni Enjjelika Herman, Ayu Hermawan, Harry Hikmatul Aliyah Hurriyaturrahman Hurriyaturrahman Ina Ratnasari, Ina Jani Subakti Jayawarsa, A.A. Ketut Karina, Juan Lia Apriyani Lusi Mulya Sari M. Azis Firdaus M. Azis Firdaus M. Imam Sundarta M. Yogi Riyantama Isjoni Maftuh, Muhammad Mahmud, Khalisah Surend Marlina, Asti Moch. Syahdan Oktariza Mohammad Jibriel Avessina Muhamad Azis Firdaus Muhammad Badri Annury Muhammad Reza Setiawan Muhammad Risel Ghathfan Muhtadin Muhtadin Nathasya Benska, Vicka Nida Ussyaripah Khoerul Akilah Nora Azmia Nugraha Nur Fauziah, Nur Fauziah Nurul, Muhammad Nurwinda Nurwinda Oktaviani, Deska Nur Pahira, Siti Pramono, Setio Puja Sukrilah Rachmatullaily Tinakartika Rinda Raka Andika Pratita Rani Rahmadani Nur Renea Shinta Aminda Rian Sopian Rinda, Rachmatulailly Tinakartika Rusydiana MS, Rizqy Salsabilatul Mufliha Sari, Raiza Pranita Sigit Purwanto Sinta Tiara, Euis SITI MARYAM Siti Uswatun Hasanah Sopian, Rian Sri Wulandari Sundari, Eliyana Syafiq, Muhammad Daris Syahrum Agung Syuhada Bachri Osama A.B Tedi Apriansyah Titing Suharti Tiyansyah, Alvin Triwoelandari, Retno Vanessa Gaffar Vannesia, Tasya Wiji Astria