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ANALYSIS OF THE HEALTH LEVEL OF BRI SHARIA BANK THROUGH RGEC METHOD FROM 2016 TO 2020 Imam Ali Mustofa; Nurhayati Nurhayati; Fajruddin Fatwa; Suqiyah Musyafaâ€™ah; Muhammad Iqbal Surya Pratikto
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 8 No. 2 (2018): eL-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2018.8.2.1676-1703

With this research, it can be known whether or not BRI Syariah Bank is healthy through the application of the RGEC method from 2016 to 2020. In carrying out an analysis of the health of BRI Syariah banks, the author uses technical analysis of the data through the application of the RGEC method. This research uses a descriptive quantitative approach that uses the RGEC method or steps through 4 analysis components consisting of Risk Profile, GCG, Earnings, and Capital. Where the ratios contained in each component of the analysis are contained in a financial report. This study resulted in a conclusion that the soundness of BRI Syariah banks in 2016-2020 that applied the RGEC method assessed through four analysis components and eight ratios consisting of NPF, FDR, PDN, ROA, ROE, NI, BOPO, and CAR obtained a healthy rating.

Solusi Asuransi Syariah (Takaful) dalam Manajemen Risiko Aset Kripto Luthfiana Basyirah; Nurhayati Nurhayati; Andriyani Samsuri; M. Khoirul Muttaqin
Jurnal Maksipreneur Vol 12, No 1 (2022)
Publisher : Universitas Proklamasi 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30588/jmp.v12i1.1117

This study aims to analyze Islamic insurance as a solution to crypto asset risk management. This study uses a descriptive approach, namely research that tries to describe and explain the data obtained with secondary data. This study uses a type of literature study research, namely the source of data obtained from literature studies and various kinds of literature in accordance with the theme of the discussion. The results of this study indicate that: first, the risks that occur in assets due to technology failure, system damage, hacking, loss of capital, fraud, malpractice, war risk, natural disasters, death, bankruptcy, sanctions, and non-compliance are included in the subjective risk classification. , objective and pure. Second, Islamic insurance schemes (takaful) are essential to be included in cryptocurrency risk management in order to increase public confidence in the market. The implications of this article can be considered for cryptocurrency transactions in accordance with Islamic sharia because the risks that will occur in crypto assets have been mitigated by the existence of a sharia insurance scheme (takaful).

Optimization of superior esq and hr On the preparation of demographic bonus In the era of the industrial revolution 4.0 Eka Nur Janah; Iskandar Ritongah; Nurhayati Nurhayati
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 8, No 2: Agustus 2021
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v8i2.11026

The focus of this study is how to optimize superior ESQ and HR that can provide readiness to face the demographic bonus in Indonesia today and in the era of the industrial revolution 4.0.The writing of this research was carried out using descriptive qualitative writing using an in-depth literature study. The data collection method used is the method of literature, documentaries, subjective intuition. The process of data analysis is carried out by collecting data, presenting data, analyzing, and discussing.The results of this study are optimizing superior and quality HR by increasing the ESQ as a basis which is sufficient to provide a positive side in preparing for the demographic period, as well as providing increased quality in the face of the industrial revolution 4.0 era.

The Intervening Effect of Customer Satisfaction at 212 Mart Nafisatul Husniah; Muhamad Ahsan; Nurhayati Nurhayati
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 7, No 02 (2023): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v7i02.4283

Today, many sharia minimarkets are operating in Indonesia, including 212 Mart. This minimarket was inspired by Aksi Bela Islam 212. Despite emphasizing sharia values, customer loyalty is still the primary determinant of the success of a business. This study aimed to analyze and prove the variable influence of religiosity, brand equity, and service quality on customer loyalty with customer satisfaction as an intervening variable in the 212 Mart DKI Jakarta area. The quantitative method is used to prove the hypothesis proposed by the research sample of 136 respondents (response rate of 82%). The data were collected using the purposive sampling technique through a questionnaire given directly to the respondents. The collected data were analyzed using Partial Least Square through the SmartPLS 3.0 application. The results showed; that first, there was a direct influence on the variable of religiosity and service quality on customer loyalty and the variable of service quality on customer satisfaction. Second, the effect of religiosity, brand equity, and service quality on customer loyalty is not mediated by customer satisfaction as an intervening variable. The uniqueness of this result is that customer satisfaction does not judge the effect of other variables on customer loyalty at 212 Mart. In the future, it is essential to know whether the same applies to other sharia-based minimarkets.

The Intervening Effect of Customer Satisfaction at 212 Mart Nafisatul Husniah; Muhamad Ahsan; Nurhayati Nurhayati
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 7 No. 02 (2023): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v7i02.4283

Today, many sharia minimarkets are operating in Indonesia, including 212 Mart. This minimarket was inspired by Aksi Bela Islam 212. Despite emphasizing sharia values, customer loyalty is still the primary determinant of the success of a business. This study aimed to analyze and prove the variable influence of religiosity, brand equity, and service quality on customer loyalty with customer satisfaction as an intervening variable in the 212 Mart DKI Jakarta area. The quantitative method is used to prove the hypothesis proposed by the research sample of 136 respondents (response rate of 82%). The data were collected using the purposive sampling technique through a questionnaire given directly to the respondents. The collected data were analyzed using Partial Least Square through the SmartPLS 3.0 application. The results showed; that first, there was a direct influence on the variable of religiosity and service quality on customer loyalty and the variable of service quality on customer satisfaction. Second, the effect of religiosity, brand equity, and service quality on customer loyalty is not mediated by customer satisfaction as an intervening variable. The uniqueness of this result is that customer satisfaction does not judge the effect of other variables on customer loyalty at 212 Mart. In the future, it is essential to know whether the same applies to other sharia-based minimarkets.

Human Capital In BPRS For Organizational Efficiency And Employee Productivity Muhammad Syahrul Hidayat; Nurul Mazidah; Didik Supardana Setia Aksana; Nurhayati
Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 2 No. 2 (2024): Special Issue, The Proceeding of International Conference on Islamic Human Reso
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar

This study aims to examine and analyze the role of human capital in improving organizational efficiency and employee productivity in Islamic People's Economic Banks (BPRS) in Indonesia. This research was conducted on 350 BPRS employees in East Java Province using purposive sampling technique. While data collection was done through questionnaires. The research was conducted because in 2024 out of 174 BPRS in Indonesia, only 7 BPRS have core capital exceeding Rp 50 billion. This limitation hampers the ability to provide adequate supporting infrastructure and high-quality human resources, especially in a market segment that demands the presence of high-quality human capital. Meanwhile, BPRS are still perceived as inferior to general banks by the public. Thus, this study provides strategic recommendations for BPRS management in improving organizational efficiency and employee productivity through human capital development. The results showed that human capital (HC) has a significant positive influence on improving employee roductivity (EP) with a coefficient value of β = 0.406 (p < 0.05) and organization efficiency (OE) with a coefficient value of β = 0.416 (p < 0.05). In addition, a healthy organization also has a significant positive effect on improving employee productivity (EP) with a coefficient value of β = 0.262 (p < 0.05). Overall, a healthy organization mediates the relationship between human capital and employee performance with an axb indirect effect value of 0.109 (p < 0.05).

Islamic Social Entrepreneurship-Based Community Empowerment Model through Waste Management at TPS-3R Tambakrejo Sidoarjo: A Literature Review Anshori Anshori; Abu Yasid; Siti Musfiqoh; Iskandar Ritonga; Nurhayati Nurhayati
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i3.3130

This study evaluates the effectiveness of multi-stakeholder collaboration and develops strategies for community empowerment to enhance skills, optimize the economic value of waste, and foster environmental awareness in line with Islamic values. Using a qualitative descriptive approach based on a literature review and empirical analysis at TPS-3R Tambakrejo, Sidoarjo, data were collected from relevant scientific references and documentation studies, validated through source triangulation and extended observations. Findings show that the Islamic Social Entrepreneurship (ISE) approach increases community participation in waste management, opens local economic opportunities through recycling and value-added products, and promotes environmental education. Participatory management at TPS-3R fosters synergy among local actors, government, and communities rooted in Islamic principles. Key findings highlight the significant potential of household waste management to generate economic value, the absence of a structured Islamic-based empowerment model, and the need for integrative strategies involving education, training, and regulatory support. Islamic values serve as a moral force, strengthening awareness and participation in environmental preservation. In conclusion, waste management based on ISE is both an environmental solution and an innovative empowerment model. Through active participation, cross-sector collaboration, and the application of sharia principles, communities can independently manage waste while improving their living standards sustainably. This research provides a foundation for developing community-based policies and business models that integrate economic, spiritual, and socio-ecological dimensions.

Beyond Religiosity: Unpacking the Drivers of Cash Waqf Decisions in Indonesia Ahmad Agus Hidayat; Andriani Samsuri; Mustofa Mustofa; Nurhayati Nurhayati; Muhammad Rizki Ashari
Jurnal Internasional Ekonomi Islam Vol 8 No 01 (2026): International Journal of Islamic Economics
Publisher : The Postgraduate of Institut Agama Islam Negeri Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/ijie.v8i01.13237

Objective: This study investigates the determinants of cash waqf decisions among Muslim donors (wakif) in Surabaya, Indonesia, by examining the roles of waqf literacy, income, institutional trust, and altruistic attitudes. Furthermore, it assesses whether religiosity strengthens the relationship between these factors and cash waqf decisions. Method: A quantitative research design was employed using a survey of 350 cash waqf donors in Surabaya. Data were analysed using Structural Equation Modelling–Partial Least Squares (SEM-PLS) to evaluate both direct and moderating effects among the proposed variables. Result: The findings reveal that waqf literacy and institutional trust have a positive and significant influence on cash waqf decisions. In contrast, income and altruistic attitudes do not significantly affect the decision to participate in cash waqf. The results also indicate that religiosity does not moderate the relationships between waqf literacy, income, institutional trust, altruistic attitudes, and cash waqf decisions. Implication: The study highlights the importance of strengthening waqf literacy programs and improving institutional professionalism, transparency, and accountability to enhance public participation in cash waqf. Waqf institutions should prioritise trust-building mechanisms rather than relying solely on religious appeals in fundraising strategies. Originality or Novelty: This study extends the application of the Theory of Planned Behaviour (TPB) to Islamic social finance by examining actual cash waqf decisions rather than behavioural intentions. It also contributes to the literature by testing religiosity as a moderating variable and providing empirical evidence from Surabaya, a newly designated waqf city in Indonesia.

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