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Kinerja SDM dalam Peningkatan Efisiensi Organisasi Islam Nahdlatul Ulama (NU) & Muhammadiyah Fika Soviyana; Arivatu Ni’mati Rahmatika; Bekti Widyaningsih
Jurnal QOSIM : Jurnal Pendidikan, Sosial & Humaniora Vol 3 No 3 (2025): 2025
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/jq.v3i3.1980

Abstract

Perkembangan era globalisasi menuntut organisasi keagamaan untuk meningkatkan kualitas dan kinerja sumber daya manusia (SDM) guna menciptakan efisiensi dan daya saing organisasi. Penelitian ini bertujuan untuk mengevaluasi kinerja SDM pada kedua organisasi tersebut, menganalisis kontribusinya terhadap peningkatan efisiensi dan efektivitas, serta mengkaji peran sistem evaluasi berbasis nilai Islam dan pendekatan manajerial modern dalam memperkuat keberlanjutan organisasi. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi literatur, menganalisis lebih dari 15 sumber utama yang meliputi jurnal ilmiah, laporan penelitian, dan dokumen kelembagaan. Hasil penelitian menunjukkan bahwa Muhammadiyah lebih sistematis dalam penerapan Balanced Scorecard (BSC) melalui Muhammadiyah Scorecard, sementara NU mulai mengadopsi model serupa dengan memadukan Key Performance Indicators (KPI) dan nilai-nilai pesantren. Optimalisasi kinerja SDM pada kedua organisasi berkontribusi signifikan terhadap keberhasilan program dakwah, pendidikan, dan pelayanan sosial. Penelitian ini menegaskan bahwa penguatan sistem evaluasi kinerja berbasis nilai Islam dan manajemen modern merupakan kunci untuk meningkatkan efektivitas, daya saing, dan keberlanjutan organisasi Islam di era globalisasi
Pengaruh Literasi Keuangan dan Sikap Keuangan Terhadap Pengelolaan Keuangan Ibu Rumah Tangga Dengan Self Efficacy Sebagai Variabel Intermediasi Rahmatika, Arivatu Ni’matu; Widyaningsih, Bekti; Al Qaedah, Alifiyah
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 6 No. 2 (2024): Jurnal At Tamwil, September 2024
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v6i2.5836

Abstract

Abstract The objective of this research is to examine how financial literacy and financial attitudes impact the management of household finances, with self-efficacy serving as a mediating factor. Using a quantitative approach and SmartPLS4 analysis, data were collected through questionnaires from 70 housewives who are students of the Islamic economics study program. The results show that financial literacy has a significant impact on household financial management and also significantly affects self-efficacy. Self-efficacy was also found to significantly influence household financial management. However, financial attitudes do not show a significant impact on household financial management, although they do have a significant effect on self-efficacy.
Peran Manajemen Resiko dalam Meningkatkan Ketahanan Bank Syariah di Era Digital Bekti Widyaningsih; Ashlihah; Tolib Ibnu Afan
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 3 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.22933

Abstract

In the ever-evolving digital era, Islamic banks face new challenges in delivering safe and reliable banking services. In this context, risk management has an important role in ensuring the reliability of Islamic banks in the digital era. This study aims to analyze the role of risk management in improving the reliability of Islamic banks in the digital era. The research method used is a descriptive-analytical approach by collecting data through literature study and analysis of relevant literature. This research highlights several important aspects in the role of risk management in the context of Islamic banks in the digital era, including risk identification, risk evaluation, risk control, and risk monitoring. In conclusion, risk management has a crucial role in enhancing the reliability of Islamic banks in the digital era. By adopting a comprehensive approach in identifying, evaluating, controlling, and monitoring risks, Islamic banks can maintain the integrity of the Islamic banking system and build customer confidence in the use of digital banking services. These efforts will help Islamic banks to remain relevant and competitive in the face of the evolving challenges of the digital era.
MANAJEMEN RISIKO DI ERA COVID-19 TERHADAP PEREKONOMIAN DAN UMKM DI INDONESIA Ma'rufah, Laila; Widyaningsih, Bekti
Izdihar: Jurnal Ekonomi Syariah Vol. 3 No. 02 (2023): Oktober
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v3i02.3427

Abstract

The Covid-19 pandemic was able to change almost all patterns of community activity in the world. Everything that invites crowds or the involvement of many people must be avoided. So that it will cause a lot of risk impacts in all sectors of life including the economic sector in it. Risk is a result that is not good and can hinder a certain goal. So good risk management is really needed in a situation like this in order to be able to deal with all the risks that arise due to Covid-19. This study aims to determine Risk Management in the Covid-19 era in the economic field. This type of research is a type of library research. The conclusions from the results of this study indicate that Risk Management in the Covid-19 era is in the current economic sector with various impacts on the economy due to the Covid-19 pandemic, namely difficulties in finding jobs, difficulties in meeting daily needs, not even having an income in meeting the necessities of life and there are many more risks that occur from other economic sectors. As for what the government is doing to minimize this risk, namely by issuing several monetary and fiscal policies in the hope of being able to restore the economic situation of the State of Indonesia.   Keywords: Risk Management , Covid-19, Community Economy, UMKM,
DAMPAK MANAJEMEN RESIKO KREDIT BARANG PEGADAIAN SYARIAH David Septian, Alyafi; Widyaningsih, Bekti
Izdihar: Jurnal Ekonomi Syariah Vol. 4 No. 01 (2024): April
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v4i01.3439

Abstract

Penelitian ini bertujuan untuk mengetahui efektifitas penerapan manajemen risiko kredit pada PT. Pegadaian (Persero) Cabang Enrekang. Jenis penelitian yang digunakan adalah penelitian deskriptif dengan pendekatan kualitatif dengan memaparkan apakah penerapan manajemen risiko kredit pada PT. Pegadaian (Persero) Cabang Enrekang sudah efektif. Hasil penelitian menunjukkan bahwa penerapan manajemen risiko kredit pada PT. Pegadaian (Persero) Cabang Enrekang telah efektif karena dalam pemberian kredit sudah sesuai dengan prinsip 5C untuk meminimalisir terjadinya kredit macet. Kata Kunci : Manajemen Risiko, Risiko Kredit
STRATEGI PENINGKATAN SUSTAINABLE DEVELOPMENT GOALS DESA MELALUI MANAJEMEN KEUANGAN BERDASARKAN MAQASHID SYARI’AH ( STUDI LITERATUR) Annisa, Rizka; Ni’mati Rahmatika, Arivatu; Widyaningsih, Bekti
Izdihar: Jurnal Ekonomi Syariah Vol. 4 No. 02 (2024): Oktober
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v4i02.4918

Abstract

This research aims to explore strategies to improve Sustanable Development Goals (SDGs) at the village level through the implementation of financial management based on Maqashid Shari'ah principles. SDGs is a new development agreement, which encourages changes to shift towards sustainable development to encourage social, economic and environmental development. In the Village SDGs with the existence of financial management in the village is one of the most important things in financial operations in order to make sustainable development. The results show that the implementation of financial management aligned with Maqashid Shari'ah not only improves the economic welfare of village communities, but also strengthens moral and social values, which overall supports the achievement of SDGs. Thus, the integration between Maqashid Shari'ah-based financial management and Village SDGs offers a comprehensive and sustainable approach to prosperous and equitable village development.
MEMINIMALISIR ASIMETRI INFORMASI MELALUI LAPORAN KEUANGAN (STUDI LITERATUR) Idzharotun, Luklu'ul; Ni'mati Rahmatika, Arivatu; Widyaningsih, Bekti
Izdihar: Jurnal Ekonomi Syariah Vol. 4 No. 02 (2024): Oktober
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v4i02.5004

Abstract

ABSTRACT This study aims to find out how to minimize information asymmetry financial repots. Information asymmetry can cause imbalance in economic decision making and reduce marke efficiency. The design of this research study with the analytical method used in the form of content analysis. This study analyses various aspects of financial repots that contribute to reducing information uncertainty, such as auditor independence, audit quality and information transparency. The results of this study show that transparent, accurate and consistent financial reports play an important role in increasing stakeholder trust and reducing risks related to information asymmetry. Based on the result of this study, it confirm the importance of good accounting policies and practices in creating a more transparent and fair business environment.
ANALISIS PERBANDINGAN PRODUK BANK SYARI’AH MURABAHAH DENGAN BANK KONVENSIONAL Widyaningsih, Bekti; Ni’mati Rahmatika, Arivatu; Sanjaya, Ican
Izdihar: Jurnal Ekonomi Syariah Vol. 5 No. 01 (2025): April
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v5i01.5686

Abstract

Penelitian ini bertujuan untuk menganalisis perbandingan antara produk pembiayaan banksyariah (murabahah) dengan produk pembiayaan bank konvensional. Fokus utama adalahmengevaluasi perbedaan mekanisme pembiayaan, persepsi nasabah, serta daya tarik produk.Pendekatan yang digunakan adalah kualitatif deskriptif dengan metode studi kasus padabeberapa bank syariah dan konvensional di Kabupaten Musi Rawas, Sumatra Selatan. Hasilpenelitian menunjukkan bahwa perbedaan mendasar antara pembiayaan murabahah pada banksyariah dan kredit pada bank konvensional terletak pada prinsip dasar operasionalnya. Banksyariah mengimplementasikan akad berdasarkan prinsip syariah, seperti jual beli dan bagi hasil,sementara bank konvensional menggunakan sistem bunga sebagai dasar keuntungan. Produkmurabahah menjadi unggulan pada bank syariah karena sifatnya yang sesuai dengan syariahIslam dan transparansi dalam prosesnya. Penelitian ini menyoroti pentingnya edukasi, promosi,dan inovasi strategi pemasaran untuk meningkatkan daya saing produk syariah di pasarperbankan. Temuan ini diharapkan dapat menjadi referensi bagi akademisi, praktisi perbankan,dan regulator dalam meningkatkan kontribusi bank syariah terhadap perekonomian nasional
Peran Good Corporate Governance (GCG) Terhadap Peningkatan Kinerja Keuangan (Sebuah Studi Literatur Dan Focus Group Discussion (FGD) Roaini, Lilis; Rahmatika, Arivatu Ni'mati; Widyaningsih, Bekti
Jurnal Pendidikan Tambusai Vol. 8 No. 1 (2024): April 2024
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v8i1.13782

Abstract

Tugas akhir ini membahas tentang “Peran Good Corporate Governance (GCG) Terhadap Peningkatan Kinerja Keuangan (Sebuah Studi Literatur dan Focus Group Discussion (FGD))”. Penelitian ini bertujuan untuk mengetahui bagaimana peran Good Corporate Governance terhadap peningkatan Kinerja Keuangan melalui sebuah Studi Literatur dan Focus Group Discussion (FGD). Jenis penelitian ini menggunakan penelitian deskriptif dengan pendekatan kualitatif. Jenis penelitian berdasarkan Studi Literatur dan Focus Group Discussion (FGD). Teknik analisis data menggunakan reduksi data, penyajian data, verifikasi data, serta penarikan kesimpulan. Berdasarkan hasil yang di peroleh dari Studi Literatur dan pelaksanaan Focus Group Discussion (FGD) yang dilaksankan dengan para ahli dapat disimpulkan  bahwa Good Corporate Governance (GCG) sangat berpengaruh dan memiliki peran penting terhadap Kinerja Keuangan perusahaan. Karena, penerapan Good Corporate Governance secara konsisten terbukti dapat meningkatkan kualitas laporan perusahaan dan pergerakan kualitas laporan keuangan tergantung dari seberapa besar usaha perusahaan tersebut dalam melakukan perbaikan terhadap Good Corporate Governance (GCG).
Pelatihan Pemanfaatan Eco- Enzyme dalam Pemberdayaan Masyarakat Widyaningsih, Bekti; Ashlihah, Ashlihah; Kusuma, Saiful Aminudin Al; Muna, Naily El; Salsabila, Dini Nafisa
Jumat Pertanian: Jurnal Pengabdian Masyarakat Vol. 5 No. 1 (2024): April
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/abdimasper.v5i1.4368

Abstract

ABSTRACT Community Service Activities were carried out in Miagan Village, Mojoagung District through training on the use of Eco-Enzyme. This activity aims to provide an explanation and understanding of the use of organic waste to the public, providing knowledge about how organic waste can be utilized/reprocessed into a useful liquid, namely Eco enzyme. The approach method for implementing community service activities includes discussion, training, practice, and questions and answers directly in front of the training participants, called the Fucus Group Discussion (FGD) method. The results of the training activities on the use of eco-enzymes provided learning, assistance and empowerment regarding the manufacture of Eco-enzymes in increasing the potential of human resources and they were also able to answer the post test that had been given. Keywords: Eco-Enzyme, waste, organic
Co-Authors Agustin, Zeni Aristiya Agustina, Tiara Putri Agustina, Wirda Eka Ahmad Baihaqiyullah Asazilli Islam Aini, Shoviatun Nur Ainun Nur Fitria, Ika Al Qaedah, Alifiyah Alfadani, Muhammad Zakky Alfirdaus, Ahmad Ilyasa Amarudin , Amin Awal Amarudin, Amin Awal Amin Awal Amarudin Amrini Shofiyani Anggi Indah Yuliana Anggun Wulandari ARDIANSYAH ARDIANSYAH Ardisa Audi Khisyara Arifin, Muhyiddin Zainul Arivatu Ni'mati Rahmatika Arivatu Ni’matika Rahmatika Arjuna Adi Pratama Armansyah, Afrizal Ashlihah Ashlihah, Ashlihah Asparinza, Erif Fiantini Aulia Ayu Puspita Sari, Dewi Ayuningtiyas, Eka Azhari, Muhammad Rifqi Helmi Azizah Azizah Bisari, Nia Aprilia Cahyaningrum, Anggun Dwi Cahyanti, Lutfiyah Dwi Darmawan, Moh Faridl David Septian, Alyafi Dewi Nur Fajriyati Dhiyaaulhaq, Naufal Dian Kusuma Wardani Dian Kusuma Wardani Durrotul Hikmah Eka Novita Sari Fadhli, Khotim Fath, Muahmmad Nur Febia, Rika Annisa Fika Soviyana Fitria, Ika Ainun Nur Hakim, Ahmad Khusnul Hanani, Hoffy Zahwa Hasyim, Rois Heru Nurwarsito Hidayatika, A'tini Hidayatulloh, Muhammad Kris Yuan Hidayatur Rohmah Hikmah, Durrotul Idzharotun, Luklu'ul Iin Baroroh Ma’arif Imam Mawardi Imam Mawardi Irawan, Vicki Ade Islam, Ahmad Baihaqiyullah Asazilli ITA RAHMAWATI Ita Rahmawati, Ita Izzudin, M. Husam Kartika, Defi Kasyful Amron Khisyara , Ardisa Audi Khotim Fadhli Khotim Fadhli Khudzefi, Azam Kurniawan, Misbaqhul Diky Kusuma, Ajeng Ayu Kusuma, Saiful Aminudin Al Laila Rohmatun Nazila Laksono, Slamet Tri Latifah, Ika Khikmatul Lia Aprilia Kiswah Yuni Ma'rufah, Laila Maarif, Iin Baroroh Mada Restu Putri Mahendri, Wisnu Mahmudah Mahmudah Maria Ulfa Mar’atul Fahimah Maulana, M Adi Milla Ahmada Miskiyah, Zakiyatul Moh. Anshori Aris Widya Mughoyaroh, Syaviratul Mujahid, Bagas Ibnu Muna, Naily El Murtadlo, Muhammad Syauqi Muslikh, Abdul Mustamim Mustamim Najuwah, Silviana Naufal Dhiyaaulhaq Nazila, Laila Rohmatun Ni'mati Rahmatika, Arivatu Ni'mati Rahmawati, Arivatu Ni’mati Rahmatika, Arivatu Nur Aini Nur Aini Nur Fajriyati, Dewi Nur Ghusaain Nur Sa'adah Pranata, Hendi Yoga Pratama, Leonita Yogi Putri, Mada Restu Rahayu, Aprillia Setia Rahma, Varizka Alzana Rahmat Ika, Arivatu Nimati Rahmatika, Arivatu Ni'mati Rahmatika, Arivatu Ni’mati Rahmatika, Arivatu Ni’matu Rahmatika, Ni'mati Riswamanda, Alfito Rizka Annisa Roaini, Lilis Robiatul Usluhiyah Rois Hasyim Safitroh, Winda Ayu Salsabila, Adinda Fadia Salsabila, Dini Nafisa Sanjaya, Ican Silviana Najuwah Siti Fatihatul Ishlahiyah Siti Munawaroh Sri Utami Suja, Sufyan Tiara Putri Agustina Tolib Ibnu Afan Umardiyah, Fitri Varizka Alzana Rahma Vicki Ade Irawan Winda Ayu Safitroh Yoga Pranata, Hendi Zahro', Malichatuz Zuhria, Siti Aminatuz Zulmi, Rizal