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All Journal ETIKONOMI Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Jurnal Ekonomi Syariah Teori dan Terapan Jurnal Pengabdian Kepada Masyarakat (Indonesian Journal of Community Engagement) Jurnal Ekonomi dan Bisnis Islam Ikonomika : Jurnal Ekonomi dan Bisnis Islam Economica: Jurnal Ekonomi Islam al-Uqud : Journal of Islamic Economics Dinamisia: Jurnal Pengabdian Kepada Masyarakat NISBAH: JURNAL PERBANKAN SYARIAH Shirkah: Journal of Economics and Business JPPM (Jurnal Pengabdian dan Pemberdayaan Masyarakat) Journal of Islamic Monetary Economics and Finance Studi Kasus Inovasi Ekonomi Airlangga Journal of Innovation Management Asian Management and Business Review Review on Islamic Accounting
Rusmita, Sylva Alif
Department Of Islamic Economics, Faculty Of Economics And Business Univeritas Airlangga
Religion Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Public Health Social Sciences Other

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PENGARUH VARIABEL EKONOMI MAKRO, PEMBIAYAAN DARI BANK UMUM SYARIAH DAN IKNB SYARIAH TERHADAP EKSPOR INDONESIA TAHUN NOVEMBER 2013-APRIL 2016 Sylva Alif Rusmita; Eko Fajar Cahyono
NISBAH: JURNAL PERBANKAN SYARIAH Vol. 2 No. 2 (2016): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (421.303 KB) | DOI: 10.30997/jn.v2i2.160

Abstract

ABSTRAKPerkembangan perdagangan bebas di Asia saat ini menjadi tantangan tersendiri bagi Indonesia. Mengingat bahwa perdagangan antar negara semakin tanpa hambatan maka diperlukan upaya penguatan penjualan komoditas dari Indonesia menuju Negara lain atau dengan kata lain diperlukannya upaya peningkatan ekspor. Melihat perkembangan lembaga keuangan syariah yang juga mendukung pertumbuhan sektor riil secara nyata, tentunya pembiayaan dapat langsung membantu pertumbuhan ekspor di Indonesia. Namun sayangnya berdasarkan hasil penelitian saat ini menunjukkan bahawa lembaga keuangan syariah (BUS dan IKNB Syariah) masih belum berpengaruh positif kepada ekspor di Indonesia. Hal ini dikarenakan pembiayaan pada lembaga keuangan syariah masih bersifat konsumtif. Begitu juga dengan inflasi memiliki pengaruh negatif sedangkan kurs rupiah terhadap dolar justru memiliki pengaruh positif.Kata Kunci: Ekspor Indonesia, Inflasi, Kurs, Bank Umum Syariah dan IKNB Syariah
Diversitas Produk Anti Polutan Dan Marketing E-Bisnis Pada Desa Maesan, Kec. Mojo Kediri Sri Herianingrum; Sylva Alif Rusmita; Lina Nugraha Rani
Dinamisia : Jurnal Pengabdian Kepada Masyarakat Vol. 5 No. 4 (2021): Dinamisia: Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Lancang Kuning

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31849/dinamisia.v5i4.5680

Abstract

Maesan Village is located in Mojo District, Kediri Regency, East Java Province. In this village, there are farmer groups who have major problems, including in this case pollution due to the use of tin waste, secondly it is still dependent on middlemen who provide low interest prices so they need a way to release dependence on middlemen, third is about financial records. With the case study method of the Kembang Karomah farmer group, in this community service, the solution that will be discussed in this paper is product diversity to increase selling prices, then e-marketing to cut middlemen, when providing insights for recording financial reports. The results of this research and community service are that the Kemabang Karomah farmer group is able to increase their knowledge of human resources and is ready to diversify products to anti-pollutant plants, and be able to use e-marketing applications.
Indonesian Islamic Commercial Banks’ Efficiency: A Stochastic Frontier Analysis Sylva Alif Rusmita; Devy Ariesta Putri
Shirkah: Journal of Economics and Business Vol 5, No 3 (2020)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1009.978 KB) | DOI: 10.22515/shirkah.v5i3.283

Abstract

Islamic banks in Indonesia are continuously experiencing a rapid growth; thus, it results in a competitive financial sector. Consequently, maintaining an excellent performance is a prerequisite to gain customers’ trust and loyalty, one of the ways is enhancing productivity and efficiency performance. Drawing on this issue, the present study aims to examine the efficiency of Islamic banks listed in the Financial Services Authority (OJK) in the period of 2015 to 2019. Employing Stochastic Frontier Analysis (SFA) as a parametric approach, this study measured the efficiency level of cost and profit efficiency of the Indonesian Islamic commercial banks. The data were a cross-section and panel data obtained from financial reports established by seven Indonesian Islamic commercial banks. The result of frontier analysis on the efficiency costs showed that the value of sharia banks’ average efficiency in Indonesia was approximately 93.41%, while the efficiency of profit resulted in 55.35%. These results suggest that Islamic banks tend to be efficient in controlling costs from the year of 2015 to 2019. It is a worth saying that this study’s results contribute to providing fruitful insights for Islamic banks to increase their efficiency by controlling their cost of production such as the cost of funds and cost of operation.
Pelatihan Ekonomi dan Keuangan Syariah dalam Rangka Pembentukan Baitul Mal wat Tamwil Sri Herianingrum; Eko Fajar Cahyono; Lina Nugraha Rani; Sylva Alif Rusmita
Studi Kasus Inovasi Ekonomi Vol. 3 No. 01 (2019)
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/skie.v3i01.6935

Abstract

The background of this activity was to fulfill the aspirations of the Muslims of Bandar Kidul village, Mojoroto Subdistrict, Kediri City to carry out economic activities following Islamic rules and the potential capabilities and skills possessed by management and members of the Fascho cooperative to manage Islamic microfinance institutions such as Baitul Wat Tamwil . The purpose of this community service activity is to provide understanding, knowledge, and skills to the management and members of the Fascho cooperative who are engaged in Mojoroto Subdistrict, Kediri City about Islamic economics and Islamic Finance. The activity took place in May 2018, and the actions were in the form of workshop and socialization about Islamic economics and Islamic finance. The article is expected to be a provision for administrators and members to establish Baitulmal wat Tamwil. The results of the activities were in the form of increased awareness of the community around the location of the community service and the increased knowledge and skills of the members and administrators of the Fascho Cooperative so that they were better prepared to establish the BMT.
PENDIRIAN BANK SAMPAH PADA KELOMPOK IBU RUMAH TANGGA di DESA JATITENGAH, BOJONEGORO Shochrul Rohmatul Ajija; Muryani Muryani; Sylva Alif Rusmita
Studi Kasus Inovasi Ekonomi Vol. 4 No. 1 (2020)
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/skie.v4i1.10076

Abstract

Jatitengah Village is one of the villages located in Sugihwaras District, Bojonegoro Regency. The main problem being faced by Jatinegara village is poverty and waste. The community is less able to manage waste properly. Much garbage is thrown in the garden or rice field. Seeing these conditions the establishment of a waste bank is very important to do, so that people are aware of a healthy and clean environment. In addition the community can increase income through waste management. There are 4 (four) outcomes of this program. Among them are 1) publications in ISSN journals; 2) publication in print / electronic mass media; 3) video of the activity; and 4) availability of adequate facilities and infrastructure of the waste bank and the operation of the waste bank properly.
Factors Determining Investor Acceptance Towards Islamic Finance in India Mohammad Irfan; Shah Saeed Hassan Chowdhury; Sylva Alif Rusmita
Economica: Jurnal Ekonomi Islam Vol 12, No 2 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2021.12.2.8798

Abstract

Despite India, having the second largest Muslim population in the world, Islamic finance is in its nascent stage. It is important from the perspective of investor to understand the concept of Islamic Finance. The aim of this study is focused on factors affecting the acceptance of Islamic Finance in India. This study concentrated on the primary data collected from 354 investors from cities across India, using structured questionnaire through snowball sampling technique. Demographic profiles of respondents were compiled by using descriptive statistics. The factor analysis was done by using SPSS. Findings of the study reveal that the high degree of reliability and validity of the data as reflected by Crobach’s Alfa (α) at 0.86. Kaiser-Mayer- Olkin Measure of Sampling Adequacy (KMO) is .776, which is statistically significant. Factor analysis extracted highly loaded (Eigen value 1) six factors using 29 items in a structured questionnaire. Together these six factors explained total variance of 76.24%. These factors are namely viz., Awareness of Shariah indices, Religious motive, Social responsiveness, Understanding of Shariah screening, Ethical investment and Socio-economic reasons. Therefore, Islamic Finance and Shariah investment product planner should consider such factors seriously in designing their product marketing strategies.
Beyond the Crisis: Tracking SME Non-Performing Loan in Indonesia Before and After the COVID-19 Stimulus Cahyono, Eko Fajar; Bayuny, Ahmad Fadlur Rahman; Rusmita , Sylva Alif; Sahabuddin , Mohammad
Review on Islamic Accounting Vol. 4 No. 1 (2024): Review on Islamic Accounting
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/ria.v4i1.395

Abstract

This study evaluates the impact of two Indonesian government economic stimulus packages on the performance of Non-Performing Loans (NPLs) in the Small and Medium Enterprises (SME) financing sector. It compares the NPLs in conventional and rural banks with Non-Performing Financing (NPF) in Islamic commercial and rural banks, before and after the stimulus, during the COVID-19 crisis period. The two policies are in the form of interest/margin subsidies and credit/financing restructuring for debtors in the SMEs sector. The approach used is a quantitative approach with three analytical methods consisting of ANOVA, MANOVA and DiD (Difference in Difference). The secondary data in this study were sourced from official publications of government institutions such as the Financial Services Authority and the Ministry of Finance. The results showed that there were significant differences in the performance of NPL/F of Conventional banks, Islamic Commercial Banks, Conventional Rural banks, and Islamic Rural banks before and after the government's economic stimulus policy was determined.
Comparative Analysis of Financial Performance in Indonesian Islamic Banks: The Impact of Spin-Offs, Mergers, and Conversion Rusmita, Sylva Alif; Salleh, Marhanum Che Mohd; Samad, Khairunnisa Abd
Economica: Jurnal Ekonomi Islam Vol. 13 No. 2 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2022.13.2.11262

Abstract

This study conducts a comparative analysis of Indonesian Islamic banks' performance before and after spin-off, merger, and conversion. Using a quantitative approach, the research applies paired t-tests and Wilcoxon tests to assess financial performance across six categories: liquidity, financing, efficiency, profitability, capital adequacy, and non-performing financing. Data from six Islamic banks over ten years were analyzed, comparing performance pre- and post-establishment. The findings reveal no significant differences in performance for banks that underwent pure spin-offs. However, banks formed through mergers demonstrated improvements in operational efficiency, return on assets (ROA), and capital adequacy (CAR), while conversions exhibited strong financing performance but faced capital risk and lower profitability. These results suggest that mergers offer a more efficient establishment method for enhancing bank performance, while conversions require careful capital management. The research highlights the importance of strategic decisions regarding the choice of establishment method for Islamic banks, with significant implications for bankers and policymakers aiming to optimize Islamic bank performance.
Front Matter 2025 Rusmita, Sylva Alif
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 11 No. 1 (2025): JANUARY - JUNE 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v11i1.75375

Abstract

Front Matter 2025
Back Matter 2025 Rusmita, Sylva Alif
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 11 No. 1 (2025): JANUARY - JUNE 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v11i1.75376

Abstract

Back Matter 2025
Co-Authors Afifatun Ni’mah Ahmad Fadlur Rahman Bayuny Ainun Azaria Ainun Azaria Anindita, Nandini Che Mohd Salleh, Marhanum Chowdhury, Shah Saeed Hassan Devy Ariesta Putri Devy Ariesta Putri Dewanti, Larasayu Anindya Eko Fajar Cahyono, David Kaluge Erina Sudaryati Filianti, Dian Hazar Ihza Fauziah Khoirotun Nisa, Ihda Fransiska Laila Widya Hidayati M. Faris Fadillah Mardianto Mardianto, M. Faris Fadillah Marhanum Che Mohd Salleh Marhanum Che Mohd Salleh Marhanum Che Mohd Salleh, Marhanum Che Maulidah Atha Mukhlifah Mohammad Irfan Mohammad Irfan Muhamad Nafik Hadi Ryandono, Muhamad Nafik Muhamat Romadhoni Muryani Muryani Nisful Laila Niswatin Chasanah Olga Mardianita Afifa Puji Sucia Sukmaningrum Putri Swastika, Putri Putri, Devy Ariesta Rahmat, Tsaniya Kamilah Rani, Lina Nugraha Sahabuddin , Mohammad Salleh, Marhanum Che Mohd Samad, Khairunnisa Abd Shah Saeed Hassan Chowdhury Shochrul Rohmatul Ajija Siti Zulaikha Sri Herianingrum