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All Journal Jurnal Penyuluhan Ahkam: Jurnal Ilmu Syariah Signifikan : Jurnal Ilmu Ekonomi Economic Journal of Emerging Markets Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Jurnal Keuangan dan Perbankan Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Indonesian Journal of Business and Entrepreneurship (IJBE) Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Jurnal Ekonomi Syariah Teori dan Terapan Walisongo: Jurnal Penelitian Sosial Keagamaan Global Review of Islamic Economics and Business FIKRI : Jurnal Kajian Agama, Sosial dan Budaya Journal of Management Review al-Uqud : Journal of Islamic Economics Al-Muzara'ah Jurnal Ekonomi & Keuangan Islam KEK (Kajian Ekonomi dan Keuangan) EKOMABIS: Jurnal Ekonomi Manajemen Bisnis Shafin: Sharia Finance and Accounting Journal Journal of Islamic Economics Lariba Review on Islamic Accounting MIMBAR : Jurnal Sosial dan Pembangunan Tapis : Jurnal Penelitian Ilmiah
JAENAL EFFENDI
Department Of Islamic Economics, Faculty Of Economics And Management, IPB University.
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Is there a short-term overreaction to pandemic COVID-19? A case study of the Indonesia Islamic Capital Market Widya Syafitri; Jaenal Effendi; Mohammad Iqbal Irfany
al-Uqud : Journal of Islamic Economics Vol. 6 No. 2 (2022): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (535.367 KB) | DOI: 10.26740/aluqud.v6n2.p177-191

Abstract

COVID-19 is an event that has harmed various sectors, one of which is the capital market sector. The high uncertainty caused by the COVID-19 outbreak caused investors to react to this event, which could cause an overreaction phenomenon. The events taken in this study sample are two events related to COVID-19. This study aims to analyze the phenomenon of overreaction in Islamic stocks and the factors that influence the phenomenon of overreaction by using the two-sample difference test method and cross-sectional regression. The results showed that in the lockdown event (Event 2) was proven that there was a significant overreaction phenomenon in the winner stock category. The factors that influence the overreaction phenomenon in this event are proven to be significantly and negatively influenced by leverage and market capitalization. In contrast, trading volume significantly and positively influenced the overreaction phenomenon.
The role of Islamic micro finance institutions (MFI) in increasing farmer’s revenue Mulya Tarmizi; Jaenal Effendi
Journal of Islamic Economics Lariba Vol. 3 No. 2 (2017)
Publisher : Department of Islamic Economics, Islamic University of Indonesia

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

Abstract

Poor people in Indonesia are mostly found in village region. 63% of the total poor people in Indonesia and majority of village people work as a farmer. The role of Islamic Microfinance Institution such as Islamic Cooperative is to increase the farmers income who has been the member of its cooperative. The purposes of the research are to analyze the difference of farmers’ income before and after applying the equity-based financing to islamic microfinance institution by using Paired T Test, and analyze which factors were affecting the farmers’ income in case study of farmers as the member of Islamic Cooperative Al-Ittifaq and used Ordinary Least Square method. The result shows that Islamic microfinance program signifcantly and positively affect the farmers income. The variables that significantly affect the income are size of financing taken by respondents, duration of membership, distance between farmer’s house and cooperative, and background of farmers’ education.
Human Resources Readiness of Small Medium Enterprises (SMEs) for Halal Product in Indonesia Jaenal Effendi
Global Review of Islamic Economics and Business Vol. 10 No. 2 (2022)
Publisher : Faculty of Islamic Economics and Business, State Islamic University Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/grieb.2022.102-08

Abstract

The halal industry has caught the attention of the world today. The halal industry is not only in demand by Muslim countries but also by countries with non-Muslim majority populations. The implementation of the halal certification program for Small and Medium Enterprises (SMEs) also affects the process of developing SMEs' human resources in Indonesia. Increasing the capacity of human resources is needed to improve the competence, skills, innovation, and creativity of individuals in carrying out productive activities to increase domestic production. This study is expected to be able to provide an overview (steps that need to be achieved, policy strategies, and various efforts that need to be made) related to the role of government bureaucracy, academics, and business actors in optimizing the halal product guarantee system to support the halal industry in Indonesia. This study uses a combination of qualitative and quantitative data. The method used is literature study, in-depth interview, benchmark, and Analytical Networking Process (ANP). A strategic solution for SMEs in increasing the halal market segment is the need for socialization of assistance and submission of halal certification. In addition, the implementation of integrated halal product supply chain management is very necessary to ensure the quality of halal products and services.
Reviewing the Role of BUMDES in Bogor Regency in Increasing Revenue Isep Amas Priatna; Dedi Budiman Hakim; Yusman Syaukat; Jaenal Effendi
MIMBAR : Jurnal Sosial dan Pembangunan Volume 39, No. 1, (Juni 2023) [Accredited Sinta 2] No 10/E/KPT/2019]
Publisher : UPT Publikasi Ilmiah (Universitas Islam Bandung)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/mimbar.v39i1.2227

Abstract

BUMDes was born to accelerate village development in the economic.This research was conducted in 2019–2020 on BUMDEs in the Bogor district. The first objective of this study, using panel data regression, is to find out how far the internal and external influences of the business increase the income of BUMDes. The second goal, using the Cobb-Douglas production function with the stochastic frontier and the MLE (maximum likelihood estimation) production function approach, is to determine the efficiency level of BUMDes fund management. The results of this study show that the number of workers as part of the internal business of BUMDes has a positive and significant influence on increasing the income of BUMDes. While the number of residents and stores that market the results of BUDes products also influences the external side of the business, The efficiency rate of BUMDes is 57%, with operational costs as the most critical variable.
Reviewing the Role of BUMDES in Bogor Regency in Increasing Revenue Amas Priatna, Isep; Hakim, Dedi Budiman; Syaukat, Yusman; Effendi, Jaenal
MIMBAR : Jurnal Sosial dan Pembangunan Volume 39, No. 1, (June 2023) [Accredited Sinta 2, No 10/E/KPT/2019]
Publisher : UPT Publikasi Ilmiah (Universitas Islam Bandung)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/mimbar.v39i1.2227

Abstract

BUMDes was born to accelerate village development in the economic.This research was conducted in 2019–2020 on BUMDEs in the Bogor district. The first objective of this study, using panel data regression, is to find out how far the internal and external influences of the business increase the income of BUMDes. The second goal, using the Cobb-Douglas production function with the stochastic frontier and the MLE (maximum likelihood estimation) production function approach, is to determine the efficiency level of BUMDes fund management. The results of this study show that the number of workers as part of the internal business of BUMDes has a positive and significant influence on increasing the income of BUMDes. While the number of residents and stores that market the results of BUDes products also influences the external side of the business, The efficiency rate of BUMDes is 57%, with operational costs as the most critical variable.
Young Muslims’ Financial Behavior: Money Attitudes and Financial Literacy by Debt Status Nuwailah; Effendi, Jaenal; Ermawati, Wita Juwita
Review on Islamic Accounting Vol. 4 No. 2 (2024): Review on Islamic Accounting
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/ria.v4i2.603

Abstract

The increasing trend in household consumption debt in Indonesia, especially through digital lending platforms, has become a societal concern. From an Islamic perspective, debt is governed by ethical principles that emphasize fulfilling obligations responsibly and prudently. Achieving this requires self-discipline, supported by informed financial attitudes and knowledge. This study analyzes the effects of attitudes toward money and financial literacy, specifically debt and Islamic financial literacy, on the financial management behavior of young Muslim adults in Indonesia. It also examines differences in these effects between individuals with debt and those without. Data from 245 respondents were collected using structured questionnaires, analyzed through multiple linear regression, and further tested using the Chow Test to compare the two groups. Results indicate that attitudes toward money, debt, and Islamic financial literacy positively affect financial management behavior. However, in partial analysis, only Islamic financial literacy does not significantly impact financial management behavior. Additionally, comparisons between the two groups revealed no significant differences in financial management behavior between those with debt and those without, likely due to similar financial management tendencies across both groups.
Developing a Logic Model for Evaluating Women's P2P Lending Programs : Pengembangan Logic Model untuk Mengevaluasi Program P2P Lending Perempuan Primadhita, Yuridistya; Effendi, Jaenal; Purnamadewi, Yeti Lis; Firdaus, Muhammad
EKOMABIS: Jurnal Ekonomi Manajemen Bisnis Vol. 6 No. 01 (2025): Ekomabis Edisi Januari 2025
Publisher : LPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/ekomabis.v6i01.2336

Abstract

Financial inclusion remains a significant challenge for women entrepreneurs in Indonesia, particularly in rural areas where access to formal financial institutions is limited. Peer-to-peer (P2P) lending has emerged as an alternative financing solution, with platforms like Amartha pioneering fintech lending specifically for women. Purpose: This study aims to evaluate the effectiveness of women-focused P2P lending programs in enhancing financial inclusion and examine the relationship between inputs, outputs, outcomes, and impacts in the P2P lending model. Methodology: The study employs qualitative analyses by logic model to provide a comprehensive evaluation of Amartha’s women-focused P2P lending program. Findings: This study finds that Amartha's P2P lending model expands women's access to capital and improves their well-being. Originality: This study using the logic model to assess the impact of women-focused P2P lending programs, particularly in terms of inputs, outputs, outcomes, and impacts on women’s economic empowerment and financial inclusion. Inklusi keuangan masih menjadi tantangan besar bagi pelaku usaha perempuan di Indonesia khususnya di daerah pedesaan, dimana akses terhadap lembaga keuangan formal masih terbatas. Peer-to-peer (P2P) lending muncul sebagai solusi alternatif pembiayaan dengan platform seperti Amartha yang memelopori pinjaman fintech khusus untuk perempuan. Tujuan: Penelitian ini bertujuan untuk mengevaluasi efektivitas program P2P lending yang berfokus pada perempuan dalam meningkatkan inklusi keuangan dan menganalisis hubungan antara input, output, outcome, dan dampak P2P lending. Metodologi: Penelitian ini menggunakan analisis kualitatif dengan model logika untuk memberikan evaluasi komprehensif terhadap program pinjaman P2P Amartha yang berfokus pada perempuan. Temuan: Studi ini menemukan bahwa model pinjaman P2P Amartha memperluas akses perempuan terhadap modal dan meningkatkan kesejahteraan. Orisinalitas: Studi ini menggunakan model logika untuk menilai dampak program pinjaman P2P yang berfokus pada perempuan, khususnya dalam hal input, output, outcome, dan dampak terhadap pemberdayaan ekonomi dan inklusi keuangan perempuan.
Religious Values, Profit, and Perceived Risk: Understanding Muslim Investor Preference in Female-Centered P2P Lending Yuridistya Primadhita; Jaenal Effendi; Yeti Lis Purnamadewi; Muhammad Firdaus
Fikri : Jurnal Kajian Agama, Sosial dan Budaya Vol. 10 No. 1 (2025): Fikri : Jurnal Kajian Agama, Sosial dan Budaya
Publisher : Institut Agama Islam Ma'arif NU (IAIMNU) Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25217/jf.v10i1.6047

Abstract

This study investigates the influence of religious values, profit orientation, and perceived risk on Muslim investor preferences in female-centered peer-to-peer (P2P) lending. It is situated at the nexus of Islamic finance, gender-focused fintech, and behavioral economics. The analysis underscores the increasing participation of investors in digital financial platforms that cater specifically to female borrowers. A quantitative method is applied, employing Structural Equation Modeling–Partial Least Squares (SEM–PLS) to analyze data collected from 212 respondents. The results indicate that religious values, profit orientation, and perceived risk significantly shape Muslim investor preferences. Among these factors, perceived risk exerts the strongest influence, followed by religious values and profit orientation. These findings suggest that perceived risk plays a dominant role in investment decision-making, even within frameworks guided by religious principles. This study contributes to the literature by integrating religious, economic, and behavioral perspectives to advance the understanding of investor preferences in Sharia-compliant financial innovations. The results highlight the importance for fintech platforms to align strategic design with investor perceptions of risk and religious adherence to foster greater engagement in female-centered P2P lending.
Profit Increase of Microentrepreneurs through Islamic Microfinance Institution Financing Program (Case Study of BPRS Amanah Ummah) Prasetyo, Ageng; Effendi, Jaenal; Beik, Irfan Syauqi
AL-MUZARA'AH Vol. 13 No. 1 (2025): AL-MUZARA'AH (June 2025)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.13.1.1-9

Abstract

The development of micro-business sector in Indonesia is one of the efforts to reduce poverty. Bank Pembiayaan Rakyat Syariah (BPRS) Amanah Ummah is an Islamic microfinance institution that enables microentrepreneurs in Bogor regency to secure capital. The funding provided by BPRS Amanah Ummah is expected to increase their business income while contributing to reduce poverty levels in Bogor regency. The aim of this research was to analyze how the distribution of Islamic microfinance from BPRS Amanah Ummah affects the profit increase of microentrepreneurs. It also analyzes the factors that affect the profit of microenterprises in Bogor. This study uses a descriptive approach combined with quantitative and qualitative approaches. The effect of the Financing Program of Islamic Microfinance Institutions (LKMS) against the profit increase of microenterprises was evaluated using the Ordinary Least Square (OLS) method. The result shows that the LKMS financing program increases profits. This is evidenced by the change in microenterprise profit after securing financing. In addition, there are several variables that can increase profits such as the duration of business, the number of employees involved, the frequency of capital received, business turnover, and level of education. The conclusion of the research is that financing provided by BPRS Amanah Ummah yields a positive and significant effect in increasing the profits of microentrepreneurs in Bogor regency.
The Effect of Social Capital on Customer’s Repayment Rate at Islamic Microfinance Institution Effendi, Jaenal; Utami, Annisa Rindra
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 8 No. 2 (2016)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v8i2.2631

Abstract

The potency of Micro and Small Enterprises (MSEs) in Indonesia which is great, is not directly proportional to the ease of getting capital from formal financial institutions such as banks because it is not bankable. Meanwhile, microfinance institutions (MFIs) that provide financing to the MSEs are currently thriving. This condition exposes the existence of factors that cause the MFIs continuesly providing financing to MSEs which are not bankable. This research aims to analyze the effect of social capital toward the repayment rate of Islamic MFIs’ customers. The methods used in this research was the logistic regression. The results showed variable relationship with BMT employees, relations with other customers, and Islamic recitation had positive and significant effect toward the repayment rate of the customer. While recommendations, membership status, and travel time from home to the BMT had negative and significant effect.  Variable outside the social capital indicator which is income rate had no significant effect.DOI: 10.15408/aiq.v8i2.2631
Co-Authors AGENG PRASETYO Amas Priatna, Isep Amelia Nadiah Wahyu Putri Anggita Aulia Pratiwi Annisa Rindra Utami Ascarya Ascarya Bambang Juanda Dedi Budiman Hakim Deri Siswara Ditta Wardhani DWI SURYANTO Ebrinda Daisy Gustiani Endriatmo Sutarto Faqih Udin dan Jono M. Munandar Meivita Amelia Hadi Riyadi Imam Teguh Saptono Imam Teguh Saptono Indah Fresma Sari Intan Aulia Ardhani Irfan Syauqi Beik Isep Amas Priatna Lisda Qotrunnada Nabila Putri Lukman M. Baga Marhamah Muthoharroh Mohammad Iqbal Irfany Muhammad Firdaus Muhammad Firdaus Mulya Tarmizi Mustica Bintang Sabiti Mustica Bintang Sabiti Muthoharroh, Marhamah Nunung Nuryartono Nunung Nuryartoro Nur Majdina Nur Rohmat Fadlil Nurkholis Yasmin Nuwailah Pangesti, Eka Rahmawati Prasetyo, Ageng Putri Ramadhani Saragih R. Bagus Sugiharto Shinta Wulandari Siti Karimah Sugema, Iman Sulisyanti, Ayu Supartoyo, Yesi Hendriani Tanti Novianti Thiarany, Usy Tita Nursyamsiah, Tita Tita Nursyamsiyah Toni Bakhtiar Triane Widya Anggriani Usy Thiarany Utami, Annisa Rindra Widya Gina Widya Syafitri Wirawan . Yeti Lis Purnamadewi Yuridistya Primadhita Yusman Syaukat Yusman Syaukat