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All Journal JURNAL PENDIDIKAN TAMBUSAI LOYALITAS: Jurnal Pengabdian Kepada Masyarakat Minhaj: Jurnal Ilmu Syariah Finansha: Journal of Sharia Financial Management Ar-Ribhu: Jurnal Manajemen dan Keuangan Syariah Jurnal Ekonomika: Manajemen, Akuntansi & Perbankan Syari'ah Formosa Journal of Applied Sciences (FJAS) Adl Islamic Economic Asian Journal of Philosophy and Religion Journal of Islamic Economics Lariba Finance LA RIBA: Jurnal Perbankan Syariah
Zahida I’tisoma Billah
Universitas Islam Zainul Hasan Genggong Probolinggo
Religion Humanities Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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FAKTOR-FAKTOR YANG BERPENGARUH TERHADAP HARGA SAHAM SYARIAH PT. WIJAYA KARYA, TBK., DAN PT. ANEKA TAMBANG, TBK. Zahida I’tisoma Billah; Nuri Fara Daisil Jinnani
Finansha: Journal of Sharia Financial Management Vol 1, No 2 (2020): Finansha: Journal of Sharia Financial Management
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/fsfm.v1i2.11026

Abstract

The stock price always changes. Investors can find out the factors that influence it with a fundamental analysis of the company's financial statements. This study aims to determine whether the Return On Assets, Return On Equity, and Debt to Equity Ratio affect the stock price fluctuation of PT. Wijaya Karya, Tbk. and PT. Aneka Tambang, Tbk. in 2016-2018. The research method used is descriptive quantitative, then this study uses the population and samples in the selection of research objects. The population consisted of 30 companies registered in JII, the sampling method was purposive sampling and obtained PT. Wijaya Karya, Tbk. and PT. Aneka Tambang, Tbk. The research data is secondary data obtained from the annual financial reports of the two research samples. The data analysis technique used is multiple regression. The results of the study concluded that both simultaneously and partially ROA, ROE, and DER did not have a significant effect on the stock price of PT. Wijaya Karya, Tbk. and PT. Aneka Tambang, Tbk. 2016-2018 period.
ANALISIS MAQASHID SYARIAH PADA KOPERASI PRODUSEN SYARIAH INDUSTRI KREATIF DI BOJONEGORO Nurul Istifadhoh; Zahida I'tisoma Billah; Hafidhotul Mufidah
Jurnal Ekonomika : Manajemen, Akuntansi, dan Perbankan Syari'ah Vol. 10 No. 2 (2021): September
Publisher : Economic Faculty, University of Widya Gama Mahakam Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (751.251 KB) | DOI: 10.24903/je.v10i2.1230

Abstract

Koperasi Produsen Syariah Industri Kreatif merupakan koperasi syariah yang memiliki peran untuk meningkatkan kualitas hidup anggota melalui usaha mikro kecil menengah (UMKM). UMKM yang ada pada Koperasi Produsen Syariah Industri Kreatif ialah bergerak dibidang industri kreatif. Sedangkan maqashid syariah merupakan hukum Islam yang memiliki maksud dan tujuan penting dalam kehidupan manusia yaitu memperoleh kemaslahatan. Melalui adanya konsep antara lain 1) terserapnya ilmu pengetahuan dan meningkatnya pendidikan anggota; 2) tersampaikannya rasa keadilan bagi masyarakat khususnya anggota; 3) terwujudnya kesejahteraan anggota. Metode yang digunakan dalam artikel ini ialah metode kualitatif yang kemudian dianalisis secara deskriptif kualitatif. Analisis maqashid syariah pada Koperasi Produsen Syariah Industri Kreatif di Bojonegoro berjalan sesuai dengan konsep dan tujuannya yaitu yaitu proses pendidikan yang diperoleh anggota sangat dirasakan pengaruh positifnya oleh anggota Koperasi Produsen Syariah Industri Kreatif, tersedianya bahan batik, konveksi dan sablon memudahkan anggota dalam melakukan peningkatan produksi, meningkatnya keuangan keluarga serta kemampuan dalam memanfaatkan teknologi untuk usaha industri kreatif anggota yang semakin lama semakin berkembang. Sebagaimana fungsi dari koperasi syariah itu sendiri yaitu untuk mendorong kehidupan masyarakat pada kesejahteraan dan ke maslahatan
ANALISIS PENGARUH NILAI SPIRITUAL ZAKAT TERHADAP KESEJAHTERAAN MUZAKKI MELALUI PERILAKU IHSAN Zahida I’tisoma Billah
Ar-Ribhu : Jurnal Manajemen dan Keuangan Syariah Vol 1 No 2 (2020): Ar-Ribhu
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1222.023 KB) | DOI: 10.55210/arribhu.v1i2.505

Abstract

Introduction: The importance of this research so that Muslim entrepreneurs realize the importance of obligations in issuing business zakat. And after they give zakat, it is expected that their behavior will be better in everyday life, especially in doing business so that they have a sociopreneurship entrepreneurial spirit. Therefore, the establishment of entrepreneur sociopreneurship through different activities by exploring spiritual values in issuing zakat is applied in business activities. Methods: The analysis method in this research uses quantitative approach with measurement method using path analysis. The population used in this study was taken randomly, namely in the entrepreneurs in the field of culinary, services, and fashion in the city of Malang through the Ministry of Religious Affairs of Malang City. The number of samples amounted to the number of questions contained in the questionnaire multiplied by 5 which amounted to 110 entrepreneurs. With this approach, muzakki (entrepreneurs) are given a statement about spiritual motivation in issuing zakat in the form of values contained in zakat, namely: 1) the value of tawhid, 2) the value of humanity, 3) the value of belief in the existence of life after death. Results: Based on this, the results found in the field and measurement using the analysis of the path, that the spiritual value of zakat can have a direct effect on the welfare of muzakki with a coefficient of determination of 0.64 while the indirect influence of spiritual value of zakat on the welfare of muzakki through ihsan behavior with a coefficient of determination of 0.38 because the person who spends zakat does not really understand the essence of spiritual value contained in zakat. Factors of wealth, descent, culture, education and the environment that make up a person is very determined in issuing zakat. Keywords: spiritual value of zakat, Ihsan behavior, welfare
PERAN DAN KENDALA FINTECH SYARIAH PADA UMKM Zahida I'tisoma Billah; Nuntupa
Ar-Ribhu : Jurnal Manajemen dan Keuangan Syariah Vol 2 No 2 (2021): Ar-Ribhu
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1042.343 KB) | DOI: 10.55210/arribhu.v2i2.671

Abstract

Financial technology atau yang disingkat Fintech adalah penggabungan dari pengelolaan keuangan menggunakan teknologi. Fintech telah menjadi perhatian masyarakat karena layanan ini menyediakan berbagai fitur layanan dalam mempermudah dari sisi keuangan seperti yang telah digunakan dalam lembaga keuangan koperasi, perbankan dan asuransi. Penelitian ini bertujuan untuk menganalisis Peran Fintech dalam meningkatkan UMKM di Indonesia. Saat ini, Perkembangan Teknologi mulai masuk ke ranah digital guna menyongsong Indonesia sebagai negara ekonomi digital terbesar tahun 2024, tugas pemerintah sebagai regulator ekonomi Indonesia, yaitu memberdayakan seluruh masyarakat indonesia hingga ke pedesaan dan daerah terpencil di seluruh pelosok negeri agar turut merasakan dampak positif dari berkembangnya teknologi di masa yang akan datang. Peran fintech dapat membantu pelaku UMKM dalam meningkatkan keuangannya, sehingga fintech bisa mendorong memajukan pendapatan negara. Adanya inovasi bidang technologi khususnya keuangan sudah menjadi keniscayaan demi terwujudnya kemudahan bagi pelaku ekonomi khususnya pelaku UMKM untuk memajukan usahanya. Kata kunci : Fintech Syariah, UMKM
Jual Beli Online Dalam Perspektif Ekonomi Islam Pada Mahasiswa FEBI UNZAH Zahida I’tisoma Billah; Wahyu Nuril Khotimah
Asian Journal of Philosophy and Religion Vol. 1 No. 1 (2022): April 2022
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ajpr.v1i1.423

Abstract

The purpose of this study is to find out how the practice of buying and selling online conducted by students of the Faculty of Islamic economics and business at UNZAH and to find out the practice of buying and selling online in an Islamic perspective. The research method used in this study is descriptive qualitative method with Case Study approach. The data sources used are primary data and secondary data with data collection techniques in the form of observation, interviews, and documentation. Data analysis method in this study by reducing the data, after that present the data and draw conclusions of the data. The results showed that the practice of online buying and selling carried out by unzah students occurred in the first two ways the transaction mechanism which means the first step of the buyer to order goods and after that there is an online payment transaction also with several payment systems, among others by using bank transfer, credit card, paypal, e-wallet and can also be with the COD system. Online buying and selling carried out by online sellers Islamic Economic Perspective is in accordance with the transaction according to Islamic law, among others, the product/item sold must also be halal and quality, clarity of the status of the item is personal property or person, second hand and quality as well. Price compliance with the quality of the goods must also be guaranteed so that buyers do not feel disappointed. Honesty in buying and selling online should also be applied especially issues related to the level of trust between both parties.
Penerapan Strategi Relationship Marketing dalam Meningkatkan Loyalitas Nasabah pada BMT Maslahah Capem Gending Daulah Husnani; Zurna Makkiyah; Zahida I'tisoma Billah
Jurnal Pendidikan Tambusai Vol. 6 No. 2 (2022): Agustus 2022
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (0.002 KB) | DOI: 10.31004/jptam.v6i2.4941

Abstract

Penelitian ini bertujuan untuk mengetahui dampak penerapan relationship marketing terhadap loyalitas nasabah, Penelitian dilakukan di kantor cabang BMT Maslahah Capem Gending tepatnya di Jl. Raya Sebaung, Kertah, Desa Sebaung, Kecamatan Gending, Probolinggo. Metode yang digunakan dalam penelitian ini adalah deskriptif- kualitatif. Adapun metode Pengumpulan data dilakukan melalui observasi di tempat magang dan wawancara bersama karyawan BMT Maslahah Capem Gending. Berdasarkan hasil penelitian dengan menggunakan analisis swot maka strategi pemasaran "Relationship marketing" yang digunakan oleh BMT Maslahah Capem Gending sudah baik. Namun, ada beberapa hal yang masih harus diperbaiki terutama dalam penanganan pembiayaan bermasalah.
ANALISIS DAMPAK PANDEMI COVID-19 BAGI KEHIDUPAN MASYARAKAT DAN PARA PEDAGANG KECIL (STUDI KASUS PEDAGANG KECIL DI PASAR KRUCIL) Zahida I’tisoma Billah; Fatin Ambar Sari
ADL ISLAMIC ECONOMIC : Jurnal Kajian Ekonomi Islam Vol 3 No 1 (2022): Adl Islamic Economic : Jurnal Kajian Ekonomi Islam - Mei 2022
Publisher : Sekolah Tinggi Ekonomi Islam Al-Furqon Prabumulih

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (512.936 KB) | DOI: 10.56644/adl.v3i1.40

Abstract

Pandemi COVID-19 mengancam semua sektor kehidupan terutama sektor ekonomi, banyak orang merasakan dampaknya, termasuk para pedagang. Penurunan ekonomi pedagang ditandai dengan penurunan jumlah pendapatan akibat sepinya pelanggan dan kenaikan harga jual sehingga jumlah permintaan menurun, akibat virus Corona yang statusnya masih fluktuatif. Rumusan masalah dalam penelitian ini ada dua, yang pertama bagaimana dampak pandemi Covid-19 bagi kehidupan masyarakat khususnya pedagang kecil di pasar krucil dan apa saja langkah-langkah yang harus dilakukan untuk menghadapi krisis Covid- 19 era pandemi. Penelitian ini bertujuan untuk mengetahui dampak negatif yang ditimbulkan oleh Covid-19 terhadap kehidupan masyarakat khususnya para pedagang di pasar krucil dan langkah-langkah yang harus dilakukan untuk menghadapi krisis di era pandemi ini. Penelitian ini merupakan penelitian deskriptif kualitatif dengan teknik pengumpulan data menggunakan wawancara, observasi dan dokumentasi. Hasil penelitian ini menunjukkan bahwa dampak covid-19 dirasakan oleh para pedagang, banyak para pedagang di pasar krucil yang mengalami kerugian akibat covid-19 diantaranya berkurangnya pendapatan yang mereka peroleh, semakin sepi pembeli dan semakin sepinya pembeli. ketidakefektifan barang dagangan yang mereka jual, sehingga upaya yang mereka lakukan untuk tetap bertahan adalah dengan menjual secara online, menjual kembali barang dagangan yang tidak laku di tempat lain dan meminimalkan pengeluaran.
Pengaruh Motivasi dan Etos Kerja Islam terhadap Kinerja Karyawan (Studi pada PT.Harigo Wood Indonesia Tongas Probolinggo) Zahida I’tisoma Billah; Siti Romjah
Formosa Journal of Applied Sciences Vol. 1 No. 3 (2022): August 2022
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjas.v1i3.973

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana pengaruh motivasi terhadap kinerja karyawan dan bagaimana pengaruh etos kerja Islam terhadap kinerja karyawan pada karyawan di PT Harigo Wood Indonesia di Tongas Probolinggo. Dalam penelitian ini menggunakan penelitian kuantitatif. Model  analisis yang digunakan adalah regresi linear berganda dengan menggunakan SPSS. Penelitian ini dilakukan pada 33 orang karyawan di PT Harigo Wood Indonesia di Tongas Probolinggo. Hasil penelitian menunjukkan bahwa terdapat pengaruh positif dan signifikan motivasi terhadap kinerja karyawan di PT Harigo Wood Indonesia di Tongas Probolinggo.Uji t menunjukkan bahwa nilai t hitung =2,064 yang artinya t hitung > t tabel (2,064 ≥ 2,042) dan sig t = 0,048 < 0,05 maka Ho di tolak dan Ha diterima. Pengaruh etos kerja Islam terhadap kinerja karyawan terdapat pengaruh di mana nilai t hitung = 4,482 yang artinya t hitung > tabel (4,482 > 2,042) dan 0,000 < 0,05 maka Ho ditolak dan Ha diterima. Pengaruh motivasi dan etos kerja Islam terhadap kinerja karyawan terdapat pengaruh di mana nilai F hitung = 10,792 yang artinya F hitung > Ftabel (10,792 ≥ 3,32) dan sig F = 0,000 < 0,005 maka Ho ditolak dan Ha diterima.  
Comparative Study of Credit Risk, Liquidity Risk, and Market Risk in Banking in Indonesia, Malaysia, and Thailand Cici Widya Prasetyandari; Zahida I’tisoma Billah
Journal of Islamic Economics Lariba Vol. 7 No. 2 (2021)
Publisher : Department of Islamic Economics, Islamic University of Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol7.iss2.art4

Abstract

The purpose of this study was to determine the differences in financial risk in several banks in Indonesia, Malaysia and Thailand. The population of this research is all commercial banks in Indonesia, Malaysia and Thailand. The sample selection technique used is purposive sampling. The analytical tool in this study is a comparative analysis with the Kruskal-Willis test. The results showed that there were significant differences in the NPL, LDR, and NIM variables of banking in Indonesia, Malaysia and Thailand.
Urgency Of The Balance Of Knowledge And Characteristics Education In Forming The Character Of Children In Pajarakan Gading Probolinggo Zahida I'tisoma Billah; Moh. Abd. Rahman
LOYALITAS: Jurnal Pengabdian Kepada Masyarakat Vol. 6 No. 1 (2023): Mei 2023
Publisher : IAI Darussalam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/loyalitas.v6i1.2171

Abstract

This service aims to: (1) Find out how far the balance of knowledge and character education for children in Wangkal village is (2) Cooperate with formal and non-formal educational institutions in the local village (3) Invite parents to pay more attention to behavior children's morals when outside school (4) Providing advice or input to figures and parents as the first teacher to take the right steps in order to improve the balance of knowledge gained and morals as a practice in life. This PKM takes place in Krajan Hamlet, Wangkal Village, Gading District, Probolinggo Regency, using the ABCD method with a community development approach. Starting from the Discovery, Dream, Design, to Destiny stages.Moral education in schools is not enough to provide learning about ethics and manners in just a few hours a day. In conclusion, it is parents who should be the first teacher in shaping the child's personality, mindset, attitude patterns and lifestyle. But what happens a lot is that parents hand over their children's moral/moral education to the school at random. Keywords: Urgency, Manners, Character
Co-Authors Abd Ghafur Ambar Nauratil Jannah Atikatur Rifkia Cici Widya Prasetyandari Daulah Husnani Erike Devliana Vinuri Fatin Ambar Sari Hafidhotul Mufidah Haqqul Yaqin Ima Hazimah Iskarimah Moh. Abd. Rahman Mohammad Ilyas Mohammad Zainal Abidin Nuntupa Nuri Fara Daisil Jinnani NURUL ISTIFADHOH Siti Romjah Wahyu Nuril Khotimah Yelni Zurna Makkiyah