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IMPLEMENTASI AL-DALALAH MAFHUM AL-MUKHALAFAH AL-SYAFI'IYAH DALAM ILMU EKONOMI ISLAM.docx Rokhmat Subagiyo
Nizham Jurnal Studi Keislaman Vol 6 No 02 (2018): Hukum Ekonomi Syariah
Publisher : Postgraduate State Islamic Institute (IAIN) Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (927.1 KB)

Umat Islam hidup di dunia ini bertujuan untuk mendapatkan ridho Allah SWT, dengan berlandaskan pada nash Al-Qur’an dan hadits nabi Muhammad SAW. Kalimat-kalimat yang ada di dalamnya membuka peluang interprestasi yang berbeda. Oleh sebab itu timbul makna yang yang bervariasi terhadap perintah/larangan. Agar terhindar dari taklid yang berlebihan dalam sebuah memahami nash ekonomi Islam, penting untuk mengkaji pentingnya al-dalalah mafhum al-mukhalafah as-Syafiiyah.Hasilnya antara lain: ada perbedaan pendapat di antara imam madzab, diantaranya Imam Syafi’i beranggapan dalam nash terdapat dua pemikiran yang lebih dikenal dengan dalalah al-manthuq dan dalalah al-mafhum. Dalalah al-mafhum terdiri atas mafhum muwafaqat dan mafhum mukhalafah. Jenis-jenis mafhum mukhalafah yaitu mafhum sifat, syarath, ghayah, ‘adad dan laqab.

REPUTATIONAL RISK MANAGEMENT STRATEGY AT INDONESIAN SHARIA BANK AND MUAMALAT INDONESIAN BANK Neni Utami; Rokhmat Subagiyo; Binti Nur Asiyah
BALANCE: JOURNAL OF ISLAMIC ACCOUNTING Vol 4 No 1 (2023): Balance: Journal of Islamic Accounting
Publisher : State Islamic Institute (IAIN) Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/balance.v4i1.7726

Abstract. BSI and BMI suffered significant losses due to reputational risk. Reputation risks that occur can be properly handled so that losses that arise can be recovered immediately. This study aimed to determine the application of risk management to BSI and BMI and the application of reputation risk to BSI and BMI. The results of this study indicate that BSI and BMI have implemented risk management in accordance with POJK No. 65 of 2016. BSI and BMI have specific organizations to deal with risks, procedures, and the same problem focus on dealing with reputation risk even though the steps for implementing procedures between the two are different. BSI is more focused on strategic steps taken in overcoming risks, while BMI is not only focused on strategic steps taken but also focused on media coverage and communication management.

REPUTATIONAL RISK MANAGEMENT STRATEGY AT INDONESIAN SHARIA BANK AND MUAMALAT INDONESIAN BANK Neni Utami; Rokhmat Subagiyo; Binti Nur Asiyah
BALANCE: JOURNAL OF ISLAMIC ACCOUNTING Vol 4 No 1 (2023): Balance: Journal of Islamic Accounting
Publisher : State Islamic Institute (IAIN) Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/balance.v4i1.7726

Abstract. BSI and BMI suffered significant losses due to reputational risk. Reputation risks that occur can be properly handled so that losses that arise can be recovered immediately. This study aimed to determine the application of risk management to BSI and BMI and the application of reputation risk to BSI and BMI. The results of this study indicate that BSI and BMI have implemented risk management in accordance with POJK No. 65 of 2016. BSI and BMI have specific organizations to deal with risks, procedures, and the same problem focus on dealing with reputation risk even though the steps for implementing procedures between the two are different. BSI is more focused on strategic steps taken in overcoming risks, while BMI is not only focused on strategic steps taken but also focused on media coverage and communication management.

ANALYSIS OF MARKET RISK MANAGEMENT STRATEGY IN ISLAMIC BANK : Case Study at Bank Mega Syariah Indonesia Azizah Shodiqoh Rafidah; Rokhmat Subagiyo; Binti Nur Asiyah
Airlangga International Journal of Islamic Economics and Finance Vol. 7 No. 01 (2024): JANUARY-JUNE 2024
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/aijief.v7i01.58691

Market risks is one of the risks in islamic banking that cannot be avoided. If Islamic banking cannot manage market risk properly, it will have an impact on bank profitability or even lead to other risks. Therefore, Islamic banking must create a market risk management strategy to achive suistaneble bussiness growth. This research made Bank Mega Syariah the locus of research. The research method used is qualitative research using the main data source, namely Bank Mega Syariah's 2023 annual report as well as the December 2023 risk exposure and capital report. The result of the research show that Bank Mega Syariah manages market risk based on its fund distribution portofolio, the majority of which is in the form of financing and partly in the form of sukuk securities as a liquidity reserve, does nor carry out over the counter trading activities for proprietary trading so market risk exposure is relatively low. The focus changing behaviour and maintaining customer trust when market benchmark interest rate increase, adjusted to majority of financing which has a fixed margin.

THE IMPACT OF ARTIFICIAL INTELEGENC, STRATEGY BUSINESS AND QUALITY PRODUCT TO ORGANIZATION BUSINESS Indah Kusumawati; Rokhmat Subagiyo
International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) Vol. 3 No. 1 (2025): February
Publisher : ZILLZELL MEDIA PRIMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61990/ijamesc.v3i1.442

This study evaluates the relationship between organizational culture, business strategy, and organizational performance in companies in Jakarta, Indonesia, as the largest tourism industrial area in ASEAN. The study highlights that organizational culture that includes discipline, innovation, and a clear division of authority, as well as a business strategy that focuses on vision, mission, tactics, and marketing, has a significant influence on organizational performance, as measured through growth, customer satisfaction, and marketing effectiveness. Of the 384 respondents, the results showed that organizational culture and business strategy significantly influenced organizational performance, both individually and collectively. In addition, this study also analyzes the role of artificial intelligence (AI) and product quality on the performance of Micro, Small, and Medium Enterprises (MSMEs). Using SPSS for analysis, the results show that AI has an influence of 85%, product quality by 75%, and the combination of the two contributes 80% to the performance of MSMEs, with the remaining 20% influenced by other factors not analyzed in this study. These findings underscore that higher AI adoption and improved product quality significantly improve the performance of MSMEs, providing a positive projection for the growth of small businesses in the community. This research makes an important contribution to understanding how organizational culture, business strategy, and technology and product quality can be the main driving factors in improving the performance of organizations and MSMEs, especially in the tourism and small business sectors in Indonesia.

Analyzing the Impact of Interest Among Sharia Economics Students at UIN Sayyid Ali Rahmatullah Tulungagung on Sharia Stock Investment Eylen Jisan Fitriangga; Deris Lazuardi; Rokhmat Subagiyo; Ummu Sholihah
Jurnal Investasi Islam Vol 9 No 2 (2024): Jurnal Investasi Islam
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v9i2.10570

Abstract Sharia investment is a form of economic activity that invests various types of money in accordance with sharia law in the hope of obtaining profits in the future. This research uses quantitative methods, and the type of research uses associative research. The data collection method uses purposive sampling where the number of respondents is 101. These respondents are Sharia Economics students of UIN Sayyid Ali Rahmatullah Tulungagung class of 2022-2023. Primary data is also used in this study, where the type of data is through questionnaires or questionnaires, surveys, interviews and so on. This study aims to determine how much influence the interest of Sharia Economics students of UIN Sayyid Ali Rahmatullah Tulungagung class of 2022-2023 in terms of financial literacy, advances in financial technology, capital, and financial behavior. The results of this study indicate that all variables affect or have a positive and significant influence on the interest of Islamic Economics students of UIN Satu batch of 2022-2023 in investing in Islamic stocks. Because the data has a sig. value, which is less than 5% and has an estimated t value of more than 1.984 except for the financial technology progress variable which has no influence or the variable does not have a positive and significant influence on the student’s interest in investing in Islamic stocks. Abstrak Investasi syariah merupakan suatu bentuk kegiatan ekonomi yang menginvestasikan berbagai jenis uang sesuai dengan hukum syariah dengan harapan memperoleh keuntungan di kemudian hari. Penelitian ini memakai metode kuantitatif, dan jenis penelitiannya memakai jenis penelitian asosiatif. Metode pengumpulan data menggunakan purposive sampling yang dimana jumlah respondennya yaitu sebanyak 101. Responden tersebut adalah mahasiswa Ekonomi Syariah UIN Sayyid Ali Rahmatullah Tulungagung angkatan Tahun 2022-2023. Data primer juga digunakan dalam penelitian ini, yang dimana jenis data melalui angket atau kuesioner, survei, wawancara dan lain sebagainya. Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh minat mahasiswa Ekonomi Syariah UIN Satu angkatan Tahun 2022-2023 ditinjau dari literasi keuangan, kemajuan teknologi keuangan, modal, dan perilaku keuangan. Hasil dari penelitian ini, bahwasannya semua variabel berpengaruh atau memiliki pengaruh positif dan signifikan terhadap minat mahasiswa Ekonomi Syariah UIN Satu angkatan Tahun 2022-2023 dalam melakukan investasi pada saham syariah. Sebab data tersebut memiliki nilai sig., yang kurang dari 5% dan memiliki nilai t estimasi lebih dari 1.984 kecuali variabel kemajuan teknologi keuangan yang tidak memiliki pengaruh atau variabel tersebut tidak memiliki pengaruh positif dan signifikan terhadap minat mahasiswa tersebut dalam berinvestasi pada saham syariah.

Sharia Stock Returns of Infrastructure Companies Listed on the Indonesia Sharia Stock Index Azizurrahman Nashrullah; Agus Eko Sujianto; Rokhmat Subagiyo
Indonesian Economic Review Vol. 5 No. 2 (2025): August : Indonesian Economic Review
Publisher : Cahaya Abadi Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53787/iconev.v5i2.64

The development of the Islamic capital market in Indonesia shows a positive trend, supported by an increase in market capitalization and investor confidence in Islamic stock indices such as ISSI. On the other hand, the infrastructure sector has also experienced significant growth as reflected in the increase in the JKINFRA index stock price in recent years. Stock returns as a return on investment are the main concern of investors in assessing a company's performance. This study aims to test the effect of return on equity, current ratio, and debt to equity ratio on stock returns, and to determine whether company size can moderate the relationship between these variables on stock returns. The research method used is quantitative with a multiple linear regression approach and Moderated Regression Analysis (MRA) analysis. The data used are secondary data from the company's financial statements for the period 2020–2023. The results of this study indicate that return on equity and current ratio partially do not have a significant effect on stock returns. Meanwhile, debt to equity ratio has a negative and significant effect on stock returns. Simultaneously, there is an influence between return on equity, current ratio, and debt to equity ratio on stock returns. Company size can strengthen the relationship between return on equity, current ratio, and debt to equity ratio on stock returns.

The Effect of Operating Cash Flow, Investment Cash Flow, and Financing Cash Flow on Stock Returns in Manufacturing Companies Listed on the Indonesian Stock Exchange: (Case Study: Companies that Produce Concrete) Deris Lazuardi; Rokhmat Subagiyo; Muhammad Aswad
Jurnal Teknologi dan Manajemen Industri Terapan Vol. 2 No. 4 (2023): Jurnal Teknologi dan Manajemen Industri Terapan
Publisher : Yayasan Inovasi Kemajuan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55826/c74zjf61

Stock returns serve as a measure for investors to evaluate a company’s investment potential and also illustrate the company’s success. This study aims to analyze how operating cash flow, investment cash flow, and financing cash flow affect stock returns in manufacturing companies listed on the Indonesia Stock Exchange, which produce concrete. This study uses a quantitative approach utilizing secondary data. The data used comes from company financial reports and Investing.com sources, and to process the data, the author uses EViews version 13 Enterprise software. The period used in this study is five years, from 2020 to 2024. The method used is panel data regression analysis with the Common Effect Model (CEM) approach. The CEM model was chosen because the model selection test results showed that this model was the best for this study. The study's results indicate that the variables of operating cash flow, investment cash flow, and financing cash flow have no effect and are not significant on the stock returns of manufacturing companies listed on the Indonesia Stock Exchange that produce concrete, either partially or simultaneously. The Adjusted R-squared (Adj. R2) value of 40% indicates that the variables used can only explain 40% of the changes in stock returns, while factors outside the variables in the model influence the other 60%. The R-squared (R2) value of 52%, which according to Chin (1998) is in the moderate category, means that these variables are sufficient to explain changes in stock returns.

Analyzing the Impact of Interest Among Sharia Economics Students at UIN Sayyid Ali Rahmatullah Tulungagung on Sharia Stock Investment Eylen Jisan Fitriangga; Deris Lazuardi; Rokhmat Subagiyo; Ummu Sholihah
Jurnal Investasi Islam Vol 9 No 2 (2024): Jurnal Investasi Islam
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v9i2.10570

Abstract Sharia investment is a form of economic activity that invests various types of money in accordance with sharia law in the hope of obtaining profits in the future. This research uses quantitative methods, and the type of research uses associative research. The data collection method uses purposive sampling where the number of respondents is 101. These respondents are Sharia Economics students of UIN Sayyid Ali Rahmatullah Tulungagung class of 2022-2023. Primary data is also used in this study, where the type of data is through questionnaires or questionnaires, surveys, interviews and so on. This study aims to determine how much influence the interest of Sharia Economics students of UIN Sayyid Ali Rahmatullah Tulungagung class of 2022-2023 in terms of financial literacy, advances in financial technology, capital, and financial behavior. The results of this study indicate that all variables affect or have a positive and significant influence on the interest of Islamic Economics students of UIN Satu batch of 2022-2023 in investing in Islamic stocks. Because the data has a sig. value, which is less than 5% and has an estimated t value of more than 1.984 except for the financial technology progress variable which has no influence or the variable does not have a positive and significant influence on the student's interest in investing in Islamic stocks. Abstrak Investasi syariah merupakan suatu bentuk kegiatan ekonomi yang menginvestasikan berbagai jenis uang sesuai dengan hukum syariah dengan harapan memperoleh keuntungan di kemudian hari. Penelitian ini memakai metode kuantitatif, dan jenis penelitiannya memakai jenis penelitian asosiatif. Metode pengumpulan data menggunakan purposive sampling yang dimana jumlah respondennya yaitu sebanyak 101. Responden tersebut adalah mahasiswa Ekonomi Syariah UIN Sayyid Ali Rahmatullah Tulungagung angkatan Tahun 2022-2023. Data primer juga digunakan dalam penelitian ini, yang dimana jenis data melalui angket atau kuesioner, survei, wawancara dan lain sebagainya. Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh minat mahasiswa Ekonomi Syariah UIN Satu angkatan Tahun 2022-2023 ditinjau dari literasi keuangan, kemajuan teknologi keuangan, modal, dan perilaku keuangan. Hasil dari penelitian ini, bahwasannya semua variabel berpengaruh atau memiliki pengaruh positif dan signifikan terhadap minat mahasiswa Ekonomi Syariah UIN Satu angkatan Tahun 2022-2023 dalam melakukan investasi pada saham syariah. Sebab data tersebut memiliki nilai sig., yang kurang dari 5% dan memiliki nilai t estimasi lebih dari 1.984 kecuali variabel kemajuan teknologi keuangan yang tidak memiliki pengaruh atau variabel tersebut tidak memiliki pengaruh positif dan signifikan terhadap minat mahasiswa tersebut dalam berinvestasi pada saham syariah.

Pengaruh Media Sosial, FOMO (Fear of Missing Out) dan Pendapatan terhadap Perilaku Konsumtif Generasi Z di Kabupaten Tulungagung Putri Vella Meliyanti; Rokhmat Subagiyo; Ummu Sholihah
Jurnal Ekonomi Manajemen Sistem Informasi Vol. 7 No. 3 (2026): Jurnal Ekonomi Manajemen Sistem Informasi (Januari - Februari 2026)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jemsi.v7i3.7392

Perkembangan teknologi digital yang pessat dan penggunaan media sosial yang luas telah menghasilkan perubahan besar dalam cara generasi Z mengkonsumsi. Pajangan konten terhadap gaya hidup, promosi oleh influencer, serta tren yang viral mendorong lahirnya perilaku konsumtif yang semakin menguat. Penelitian ini bertujuan untuk mempelajari dampak media sosial, Fear of Missing Out (FOMO), dan pendapatan terhadap perilaku belanja Gen Z di kabupaten Tulungagung. Metodologi yang digunakan dalam penelitian ini adalah pendekatan kuantitatif dengan melakukan survey terhadap 90 orang responden dari Gen Z. Analisis data dilakukan menggunakan regresi linier berganda dengan bantuan SPSS. Temuan dari penelitian ini menunjukkan bahwa secara keseluruhan, pendapatan, media sosial, dan FOMO mempengaruhi perilaku konsumtif Generasi Z secara signifikan. Akan tetapi, jika dilihat secara terpisah, hanya media sosial yang menunjukkan dampak signifikan terhadap perilaku konsumsi, sementara FOMO dan pendapatan tidak menunjukkan efek yang berarti. Hasil ini menunjukkan pola konsumsi Gen Z, tanpa tergantung pada besarnya pendapatan serta factor psikologi FOMO. Diharapkan penelitian ini dapat memberikan kontribusi positif dalam upaya meningkatkan pendapatan serta merumuskan strategi dalam mengontrol perilaku konsumtif di kalangan Gen Z, khususnya di daerah yang sedang mengalami laju digitalisasi yang cepat.

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