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All Journal International Conference on Engineering and Technology Development (ICETD) Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JURNAL EDUCATION AND DEVELOPMENT JURNAL PENDIDIKAN TAMBUSAI EkBis: Jurnal Ekonomi dan Bisnis BISEI: Jurnal Bisnis dan Ekonomi Islam Abdimas Galuh: Jurnal Pengabdian Kepada Masyarakat Minhaj: Jurnal Ilmu Syariah Jumat Ekonomi: Jurnal Pengabdian Masyarakat Jumat Informatika: Jurnal Pengabdian Masyarakat Jumat Pertanian: Jurnal Pengabdian Masyarakat Jumat Pendidikan: Jurnal Pengabdian Masyarakat Jumat Keagamaan: Jurnal Pengabdian Masyarakat Income: Innovation Of Economics And Management Istismar : Jurnal Kajian dan Penelitian Ekonomi dan Bisnis Islam JoEMS : Journal of Education and Management Studies Izdihar : Jurnal Ekonomi Syariah Formosa Journal of Sustainable Research (FJSR) Jurnal Ekonomi, Bisnis dan Manajemen YASIN: Jurnal Pendidikan dan Sosial Budaya ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar J-ABDIPAMAS (Jurnal Pengabdian Kepada Masyarakat) Jurnal Ilmiah Ekonomi dan Manajemen Al-Zayn: Jurnal Ilmu Sosial & Hukum QOSIM: Jurnal Pendidikan, Sosial & Humaniora Jurnal Ekonomi Bisnis Manajemen dan Akuntansi (Jebisma) JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Masyarakat Berkarya: Jurnal Pengabdian dan Perubahan Sosial Research Economics Management and Business Journal of Islamic Economics Studies and Practices (JIESP). Jurnal At-Tamwil: Kajian Ekonomi Syariah
Bekti Widyaningsih
Universitas KH. A. Wahab Hasbullah
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Nursing Public Health Social Sciences Other

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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).
Beras Analog Talas: Mengkaji Potensi Pasar di Tengah Trend Pangan Alternatif Ashlihah, Ashlihah; Widyaningsih, Bekti; Zuhria, Siti Aminatuz
J-ABDIPAMAS (Jurnal Pengabdian Kepada Masyarakat) Vol. 8 No. 2 (2024): Oktober 2024
Publisher : IKIP PGRI Bojonegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30734/j-abdipamas.v8i2.4840

Abstract

ABSTRACTIndonesia, which has a large population, relies on rice as the main staple food. In recent years, there has been a growing trend of food alternatives as a government strategy in local food diversification. Taro analog rice has emerged as a food innovation to replace rice. Taro analog rice is one of the solutions to expand food choices and support dietary diversity. This product has high nutritional value and can be produced more efficiently under certain conditions. This article aims to assess the market potential of taro analog rice in Indonesia, by looking at the opportunities and challenges that exist amidst the growing trend of alternative food. This research employs a qualitative methodology with descriptive techniques to examine the market prospects for taro analog rice in Indonesia, framed against the backdrop of alternative food trends. Data pertinent to this investigation was collected through a systematic review of the literature.  Analog rice is a food product designed to resemble conventional rice, both in terms of form and nutritional composition. In this case, taro was chosen as the main raw material as it has good nutritional characteristics, including a lower glycemic index compared to white rice. The Promising Role of Taro as a Substitute for Traditional Rice in the Domestic Market and in the international scale market, the demand for analog rice is increasing. However, the challenge remains in market education and distribution. Collaboration between producers, government, and research institutions is needed to develop efficient processing technologies and strengthen distribution networks. This study concludes that taro analog rice can be a leading product in the Indonesian and international markets, providing benefits to individual health and the local economy. Keywords: Alternative Food Trends, Analog Taro Rice, Market Potential  ABSTRAKNegara Indonesia yang memiliki populasi besar, bergantung pada nasi sebagai makanan pokok utama. Dalam beberapa tahun terakhir ini semakin berkembangnya trend alternatif pangan sebagai strategi pemerintah dalam diversifikasi pangan lokal. Beras analog talas muncul sebagai inovasi pangan pengganti beras. beras analog talas sebagai salah satu solusi untuk memperluas pilihan pangan dan mendukung keberagaman diet Masyarakat. produk ini memiliki nilai gizi yang tinggi dan dapat diproduksi dengan lebih efisien dalam kondisi tertentu. Artikel ini bertujuan untuk mengkaji potensi pasar beras analog talas di Indonesia, dengan melihat peluang dan tantangan yang ada di Tengah trend pangan alternatif yang semakin berkembang. Penelitian ini menggunakan metodologi kualitatif dengan teknik deskriptif untuk memeriksa prospek pasar beras analog talas di Indonesia, dibingkai dengan latar belakang tren makanan alternatif. Data yang berkaitan dengan penelitian ini dikumpulkan melalui tinjauan sistematis literatur. Beras analog adalah produk pangan yang dirancang untuk menyerupai beras konvensional, baik dari segi bentuk dan komposisi gizi. Dalam hal ini, talas dipilih sebagai bahan baku utama karena memiliki karakteristik gizi yang baik, termasuk indeks glikemik yang lebih rendah dibandingkan dengan nasi putih. Peran Talas yang Menjanjikan sebagai Pengganti Beras Tradisional di Pasar Domestik dan dalam pasar skala internasional, permintaan beras analog semakin tinggi. Namun, tantangannya masih ada pada edukasi pasar dan distribusi. Kolaborasi antara produsen, pemerintah, dan lembaga penelitian diperlukan untuk mengembangkan teknologi pengolahan yang efisien dan memperkuat jaringan distribusi. Penelitian ini menyimpulkan bahwa Beras analog talas dapat menjadi produk unggulan di pasar Indonesia dan internasional, memberikan manfaat bagi kesehatan individu dan ekonomi lokal.Kata Kunci: Tren Pangan Alternatif, Beras Analog Talas, Potensi Pasar
Analisa Resiko Pembiayaan Murabahah Bermasalah Pada Bank Syariah di Indonesia Widyaningsih, Bekti; Amarudin, Amin Awal; Laksono, Slamet Tri
Bisei : Jurnal Bisnis dan Ekonomi Islam Vol 9 No 1 (2024): Juni 2024
Publisher : Fakultas Ekonomi, Universitas Hasyim Asy'ari Tebuireng Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/bisei.v9i1.6294

Abstract

Pembiayaan Murabahah merupakan salah satu instrument keuangan Syariah yang menawarkan instrument pembiayaan bank yang sesuai dengan kaidah ajaran agama Islam. Serupa dengan bisnis lainnya yang memiliki resiko, penelitian ini bertujuan untuk menganalisis berbagai faktor yang dapat menyebabkan mitra bank mengalami gagal bayar dan memberikan beberapa alternatif penyelesaiannya. Penelitian ini mengguanakn pendekatan kualitatif dengan metode narasi deskriptif. Hasil dari penelitian ini menunjukkan variabel, melipudi identifikasi, pengukuran, pengendalian resiko serta beberapa karakteristik yang menunjukkan implikasi pembiayaan bermasalah. Implikasi ini akan membantu mitra maupun pihak bank untuk mengurangi resiko pembiayaan yang gagal.
Co-Authors A'tini Hidayatika Abdul Muslikh Adinda Fadia Salsabila Afrizal Armansyah Agustin, Zeni Aristiya Agustina, Wirda Eka Ahmad Baihaqiyullah Asazilli Islam Ainun Nur Fitria, Ika Al Qaedah, Alifiyah Alfito Riswamanda Amin Awal Amarudin Amrini Shofiyani Anggi Indah Yuliana Anggun Dwi Cahyaningrum Anggun Wulandari ARDIANSYAH ARDIANSYAH Ardisa Audi Khisyara Arivatu Ni'mati Rahmatika Arivatu Ni'mati Rahmatika Arivatu Ni’matika Rahmatika Arjuna Adi Pratama Ashlihah Ashlihah Ashlihah, Ashlihah Aslihah Aslihah Asparinza, Erif Fiantini Aulia Ayu Puspita Sari, Dewi Ayuningtiyas, Eka Azam Khudzefi Azizah Azizah Cahyanti, Lutfiyah Dwi David Septian, Alyafi Defi Kartika Dewi Nur Fajriyati Dian Kusuma Wardani Dian Kusuma Wardani Dian Kusuma Wardani Dini Nafisa Salsabila Durrotul Hikmah Eka Novita Sari Febia, Rika Annisa Fika Soviyana Fitria, Ika Ainun Nur Hakim, Ahmad Khusnul Hasyim, Rois Heru Nurwarsito Hidayatulloh, Muhammad Kris Yuan Hidayatur Rohmah Hikmah, Durrotul Hoffy Zahwa Hanani Idzharotun, Luklu'ul Iin Baroroh Maarif Iin Baroroh Ma’arif Imam Mawardi ITA RAHMAWATI Kasyful Amron Khotim Fadhli Khotim Fadhli Kurniawan, Misbaqhul Diky Kusuma, Saiful Aminudin Al Laila Rohmatun Nazila Laksono, Slamet Tri Latifah, Ika Khikmatul Leonita Yogi Pratama Lia Aprilia Kiswah Yuni Lutfiyah Dwi Cahyanti M. Husam Izzudin Ma'rufah, Laila Mada Restu Putri Mahmudah Mahmudah Maria ulfa Mar’atul Fahimah Maulana, M Adi Milla Ahmada Misbaqhul Diky Kurniawan Miskiyah, Zakiyatul Moh. Anshori Aris Widya Moh. Faridl Darmawan Mughoyaroh, Syaviratul Muhammad Ali Ridho Muhammad Syauqi Murtadlo Muhammad Zakky Alfadani Muhyiddin Zainul Arifin Mujahid, Bagas Ibnu Muna, Naily El Muslikh, Abdul Mustamim Mustamim Naily el-Muna Naufal Dhiyaaulhaq Ni'mati Rahmatika, Arivatu Ni'mati Rahmawati, Arivatu Nia Aprilia Bisari Ni’mati Rahmatika, Arivatu Nur Aini Nur Aini Nur Fajriyati, Dewi Nur Ghusaain Nur Sa'adah Pranata, Hendi Yoga Pratama, Leonita Yogi Rahayu, Aprillia Setia Rahma, Varizka Alzana Rahmat Ika, Arivatu Nimati Rahmatika, Arivatu Ni'mati Rahmatika, Arivatu Ni’mati Rahmatika, Arivatu Ni’matu Revalina, Vindi Aulia Riswamanda, Alfito Rizal Zulmi Rizka Annisa Roaini, Lilis Robiatul Usluhiyah Rois Hasyim Saiful Aminudin Al Kusuma Salsabila, Dini Nafisa Sanjaya, Ican Shoviatun Nur Aini Silviana Najuwah Siti Aminatuz Zuhria Siti Fatihatul Ishlahiyah Siti Fatimah Siti Munawaroh Sri Utami Sri Utami Tiara Putri Agustina Tolib Ibnu Afan Umardiyah, Fitri Varizka Alzana Rahma Vicki Ade Irawan Winda Ayu Safitroh Wisnu Mahendri Yasir Basavey Yoga Pranata, Hendi Zahro', Malichatuz Zaki Ahmad Fauzan Zulmi, Rizal