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All Journal Al-Mustashfa Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam BERNAS: Jurnal Pengabdian Kepada Masyarakat Entrepreneur : Jurnal Bisnis Manajemen dan Kewirausahaan Empowerment Journal Journal of Social Science and Business Studies Journal of Sharia Accounting and Tax (JSAT Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Jurnal Kajian Ekonomi dan Perbankan Syariah Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Kusumadewi, Rita
Institut Agama Islam Negeri Syekh Nurjati Cirebon
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Nursing Public Health Social Sciences Veterinary Other

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How Does Investment Risk Mediate the Effect of Investment Literacy on Online Interest in Investing Among Generation Z? Wartoyo; Novi Nur Azizah; Rita Kusumadewi
Journal of Social Science and Business Studies Vol. 2 No. 1 (2024): JSSBS
Publisher : Yayasan Gema Bina Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61487/jssbs.v2i1.64

Abstract

This study aims to determine whether or not there is an influence of investment literacy on online  investment interest with investment risk as an intervening variable. The type of research used is case study research with a quantitative approach and uses data collection techniques through questionnaires distributed online. The population in this study is generation Z in Cirebon City  with a sampling technique using probability sampling, namely  with a simple random sampling  method of 155 people, with path analysis using the help of IBM Stastistic SPSS software version 25. The results showed that the level of investment literacy had a positive and significant effect on online investment interest  with a calculation of 12,251 (>1,655) and a significance value of 0,000 (<0.05). Investment risk has a positive and significant effect on online investment interest  with a calculation of 5.377 (>1.655) and a significance value of 0.000 (<0.05). While in the sobel test, it is known that investment risk can mediate the influence of investment literacy on online investment interest  of 4.2353714571305.
Islamic Financial Literacy in Islamic Boarding Schools and Its Implications for the Preference of Islamic Financial Institutions Wartoyo, Wartoyo; Yusuf, Ayus Ahmad; Kusumadewi, Rita
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 9, No 1 (2023): JUNI 2023
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v9i1.6881

Abstract

AbstractThis study aims to measure the level of financial literacy, analyze the influence of Islamic financial literacy levels on the preferences of Islamic financial institutions and estimate the impact of Islamic financial literacy among Islamic Boarding Schools on preferences and implications for Islamic Financial Institutions in Region III Cirebon. The method used is quantitative with mutinomial logistic regression analysis techniques. The data was collected using questionnaires from the population and the sample was among islamic boarding schools, both managers and students. The results of this study show that personal financial management literacy and Islamic economic literacy have an effect of 45% on Islamic banking preferences, 33% on sharia insurance preferences, and 29% on Islamic capital market preferences. This condition is in line with the results of measurements of Islamic financial literacy of islamic boarding school managers and students in the category of good literacy (well literate) in personal financial management and the category of sufficient literacy in the Islamic economy. The lowest is their literacy regarding sharia insurance of 25% and 29% (less literate) for the Islamic capital market. Keywords: Islamic Financial Literacy, Islamic Boarding Schools, Islamic Financial Institutions
Akselerasi Daya Saing UMKM Melalui Workshop Digital Marketing dan Pendampingan Akun Bisnis Online di Desa Sindanghaji Kecamatan Palasah Saparinda, Raden Wulan; Budi Rusdian; R. Neny Kusumadewi; Ridho; Rita Kusumadewi; Endah Prihartini; Eva Fauziah Ahmad; Hani Sri Mulyani
BERNAS: Jurnal Pengabdian Kepada Masyarakat Vol. 7 No. 2 (2026)
Publisher : Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/jb.v7i2.17880

Abstract

Keterbatasan pengetahuan dan keterampilan dalam pemasaran digital masih menjadi hambatan utama bagi pelaku UMKM di wilayah pedesaan, termasuk di Desa Sindanghaji, Kabupaten Majalengka. Kegiatan pengabdian ini bertujuan untuk meningkatkan pemahaman dan keterampilan teknis pelaku UMKM dalam memanfaatkan digital marketing serta pembuatan akun bisnis online untuk memperluas jangkauan pasar. Metode pelaksanaan meliputi sosialisasi, pelatihan intensif berbasis praktik, serta pendampingan langsung. Hasil kegiatan menunjukkan peningkatan signifikan pada aspek kognitif peserta, di mana nilai rata-rata post-test mencapai 87,2, meningkat sebesar 54,6% dari nilai pre-test. Selain itu, 90% peserta berhasil mengaktivasi akun bisnis di platform digital (Instagram Business, Facebook Page, dan Marketplace) dan 76% di antaranya telah aktif memproduksi konten promosi secara mandiri. Program ini terbukti efektif dalam membekali pelaku UMKM dengan instrumen digital untuk memperkuat resiliensi ekonomi lokal di era digital.
PEMBIAYAAN MUDHARABAH TERHADAP RETURN ON INVESTMENT: Studi Kasus pada Bank Mandiri Syariah Kuningan Dewi Fatmasari; Rita Kusumadewi; Indri Nur Oktavianti
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 2 No. 2 (2017)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v2i2.2159

Abstract

Abstract The purpose of this study to determine how much revenue Mudharabah, to determine the level of return on investment, and to know how big the influence of financing on the return on investment from year to year for the last 7 years.This study uses a quantitative descriptive approach. The object of this study is the Bank Syariah Mandiri Kuningan. This type of research is a study that used the figure, from the collection of data, the interpretation of such data, as well as the appearance of the results. Quantitative research was also accompanied by tables, graphs, charts, drawings or other views. Based on the results of research that assisted with SPSS 21.0, using Simple Linear Regression to produce Y = -1232 + 0,554X interpreted in a positive relationship between financing is the return on investment, with a correlation of 0.703, which means a very strong relationship, and the coefficient of determination 0.494 which means the effect of financing the return on invesment is 49.4% while the remaining 50.6% is influenced by other factors not examined in this study. Keywords: Mudharabah, Return On Investment, Islamic Banking. Abstrak Tujuan penelitian ini untuk mengetahui seberapa besar pendapatan bagi hasil pembiayaan mudharabah, untuk mengetahui tingkat return on investment, dan untuk mengetahui seberapa besar pengaruh pembiayaan mudharabah terhadap return on investment dari tahun ke tahunnya selama 7 tahun terakhir. Penelitian ini menggunakan pendekatan deskriptif kuantitatif. Objek penelitian ini yaitu pada Bank Syariah Mandiri Kuningan. Jenis penelitian yang digunakan merupakan penelitian yang menggunakan angka, mulai dari pengumpulan data, penafsiran terhadap data tersebut, serta penampilan dari hasilnya. Penelitian kuantitatif juga disertai dengan tabel, grafik, bagan, gambar atau tampilan lain. Berdasarkan hasil penelitian yang dibantu dengan program SPSS 21.0, dengan menggunakan uji Regresi Linier Sederhana dengan menghasilkan Y = -1.232+0,554X diinterpretasikan adanya hubungan positif antara pembiayaan mudharabah dengan return on investment, dengan korelasi sebesar 0,703 yang berarti hubungannya sangat kuat, dan koefisien determinasi 0,494 yang dapat diartikan pengaruh pembiayaan mudharabah terhadap return on investent adalah 49,4% sedangkan sisanya sebesar 50,6% dipengaruhi oleh faktor lain yang tidak diteliti dalam penelitian ini. Kata Kunci: Mudharabah, Return On Investment, Bank Syariah.
IMPLEMENTASI FATWA DSN MUI NO. 04/DSN-MUI/IV/2000 PADA AKAD PEMBIAYAAN MURÄ€BAHAH DI BMT MUBÄ€ROKAH MWC NU MARGADANA KOTA TEGAL Zahrotul Jannah; Slamet Firdaus; Rita Kusumadewi
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 4 No. 1 (2019)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v4i1.4306

Abstract

AbstractOne of BMT Mubārokah's products is the financing of the murābahah. Some provisions must be met in implementing the contract of murābahah to avoid usury and in accordance with sharia. One of them is the condition of goods that are deed is goods sold. According to Fatwa DSN MUI No. 04 / DSN-MUI / IV / 2000 that the bank must first buy the legally ordered assets. The method used in this study is qualitative, data collected by interview, observation, documentation. From the results of the research, the implementation of financing of murābahah in BMT Mubārokah there are several stages of financing, form filling, surveys and financing analysis, if approved then made financing agreement, signing contracts, guarantee bonding, and disbursement of financing. Implementation of murābahah financing contract in BMT Mubārokah there is already in accordance with the fatwa of DSN MUI no. 04 / DSN-MUI / IV / 2000. But there is some DSN fatwa that is not practiced because in BMT Mubarokah there has never been such a case, then from that point has not been implemented in accordance with the fatwa DSN.Keywords: Baitul māl wa tamwīl, Financing, Murābahah, and Fatwa DSN-MUI. AbstrakSalah satu produk BMT Mubārokah adalah pembiayaan murābahah. Beberapa ketentuan harus dipenuhi dalam melaksanakan akad murābahah agar terhindar dari riba dan sesuai dengan syariah. Salah satunya adalah syarat barang yang diakadkan adalah barang yang dijual belikan. Menurut Fatwa DSN MUI No. 04/DSN-MUI/IV/2000 bahwa bank harus membeli terlebih dahulu aset yang dipesan oleh nasabah secara sah. Metode yang digunakan dalam penelitian ini kualitatif, data yang dikumpulkan dengan cara wawancara, observasi, dokumentasi. Dari hasil penelitian, pelaksanan akad pembiayaan murābahah di BMT Mubārokah ada beberapa tahap yaitu  pengajuan pembiayaan, pengisian formulir, survei dan analisis pembiayaan, jika disetujui maka dibuatkan akad pembiayan, penandatanganan akad, pengikatan jaminan, dan pencairan pembiayaan. Implementasi akad  pembiayaan murābahah di BMT Mubārokah ada yang sudah sesuai dengan fatwa DSN MUI No. 04/DSN-MUI/IV/2000. Namun ada beberapa fatwa DSN yang tidak dipraktekkan, karena di BMT Mubarokah belum pernah ada kasus seperti itu, maka dari point tersebut belum  dilaksanakan sesuai dengan fatwa DSN.Kata kunci: Baitul māl wa tamwīl, Pembiayaan, Murābahah, dan Fatwa DSN-MUI.
Co-Authors Abdul Aziz Agus Alamsyah Perwiranegara, Agus Alamsyah Aini, Farihatu Alya Ilham Rizky Ayus ahmad Yusuf Budi Rusdian Budi Rusdian Dewi Fatmasari Eef Saefulloh Eef Saefulloh Endah Prihartini Enny Yuliaswati EVA FAUZIAH AHMAD Hani Sri Mulyani Indri Nur Oktavianti Intan Lestari Jumanti, Izka Kamidah Kamidah Ningtyas Prabasari, Siska Novi Nur Azizah R. Neny Kusumadewi Raden Wulan Saparinda Ridho Setiayani, Iis Setyowati, Nur Eka Slamet Firdaus Sri Kustiyati Wartoyo Wartoyo Yulia Tiara Putri Yuntafiatul Zahrotul Jannah