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Analisis Partisipatif terhadap Tantangan dan Peluang Petani Talas di Kabupaten Bogor Eka Maulidiya, Sherly; Suwandi, Syifa Damaianti; Irfany, Mohammad Iqbal; Rahmawati, Nur Fajri; Amirah, Nurul; Oktaviona, Winda; Alghifari, Ahmad Fadli; Cahyaningrum, Laeli Dyah Tantri; Santosa, Edi
Jurnal Pusat Inovasi Masyarakat Vol. 7 No. 2 (2025): Oktober 2025
Publisher : Direktorat Pengembangan Masyarakat Agromaritim, Institut Pertanian Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jpim.7.2.271-287

Abstract

Taro (Colocasia esculenta) as a leading commodity in Bogor Regency faces challenges in technology adoption, price fluctuations, and post-harvest infrastructure, so a participatory approach such as a Focus Group Discussion (FGD) is needed to formulate innovative and applicable solutions. This FGD activity aims to identify challenges, opportunities, and strategic solutions for taro farmers in Bogor Regency. Bogor taro is one of the leading commodities with high economic potential, both for the local market and for export. However, farmers face various challenges, such as low adoption of modern technology, price fluctuations, limited access to capital, weak farmer group organizations, and pest and disease attacks. The FGD was carried out in several stages, namely preparation, group discussion, data analysis, and follow-up. The FGD involved 29 participants consisting of taro farmers with diverse profiles based on age, education, farming experience, and land area. The results of the FGD showed several opportunities, such as the development of taro-based processed products, organic farming practices, and export potential. The proposed strategic solutions included technical training to increase productivity, diversification of processed products, government policy support, and strengthening the role of women and youth in farming. The results of this activity are expected to serve as a guide for stakeholders to promote the sustainability and development of the taro farming sector in Bogor Regency. 
Determinants of Saving Intentions in Islamic Current Accounts: Empirical Evidence from Muslim Community in Indonesia Fitri, Resfa; Sutito, Yolanda M. M.; Irfany, Mohammad Iqbal
Islamic Economics Methodology Vol. 4 No. 2 (2025): Islamic Economics Methodology
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/iem.v4i2.620

Abstract

The growth of current accounts is still far behind compared to savings and deposits. West Jakarta as the region with the highest Islamic bank assets still shows low DPK growth, especially in Islamic current accounts. This research aims to identify the characteristics of respondents and variables that affect the interest of Muslim communities in West Jakarta to save funds in Islamic current accounts. The method used is descriptive analysis and SEM-PLS analysis with the number of respondents involved in this study as many as 175 Muslims in West Jakarta. The results showed that the variables of attitude, reputation, behavioral control,.and subjective norms had a positive and significant influence, while profit sharing and product had a positive but insignificant effect, and the promotion variable has a negative and insignificant effect on the intention of West Jakarta Muslim Community saving funds in the Islamic current account.
Factors affecting household debt to moneylenders Mustika, Mustika; Hasanah, Neneng; Irfany, Mohammad Iqbal
Annals of Human Resource Management Research Vol. 3 No. 1 (2023): March
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ahrmr.v3i1.1578

Abstract

Purpose: Moneylenders, sometimes called 'loan sharks' due to their high interest rates, are informal financial institutions that offer loans not in line with Islamic law. This study analyzes the factors that influence the behavior of households regarding debt to moneylenders. Research Methodology: This research employs descriptive and logistic regression analyses using primary data collected from locals in Jagapura village, Cirebon. Result: The results indicate that basic household necessities determine their debt behavior. However, Islamic financial literacy and increasing income present effective solutions for moneylenders to overcome their debt. Limitation: This study is based on primary data from a specific village, Jagapura, in Cirebon, which may not be representative of all households in debt to moneylenders in other regions or settings. Contribution: The study suggests that Islamic financial institutions should assist unbankable communities needing funds for daily expenses by performing social functions such as offering interest-free loans (qardhul hasan) and providing Islamic social finance. The establishment of sharia compliant savings and loans could also be a solution to usury-related issues.
The Effect of Internal and External Factors on the Proportion of MSME Sector Financing in Sharia Business Units in Indonesia Rahmawati, Siti; Fitri, Resfa; Alim, Ahmad Syahirul; Irfany, Mohammad Iqbal
Review on Islamic Accounting Vol. 5 No. 2 (2025): Review on Islamic Accounting
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/ria.v5i2.689

Abstract

This paper aims to analyze the response of the proportion of MSME financing in Sharia Business Units in Indonesia to internal and external factor shocks. Additionally, it seeks to determine the contribution of each factor to the diversity of MSME financing proportions. This study employs the Vector Error Correction Model (VECM). The Covid-19 pandemic is included as an exogenous dummy variable. The analysis uses monthly data from January 2019 to December 2024, sourced from the Sharia Banking Statistics published by the Financial Services Authority (OJK). The study found that Third Party Funds, Operational Expenses to Operational Income, and the BI rate have a positive impact on MSME financing proportions in UUS. Conversely, Non Performing Financing (NPF), Return on Assets (ROA), Gross Domestic Product (GDP), Bank Indonesia Sharia Certificate (SBIS) exhibit a negative impact. The MSME financing proportion itself is the most dominant factor in financing variability, followed by NPF, BOPO, GDP, BI rate, SBIS, ROA, and DPK. This finding represents the supply side, referring to banks as financing providers. To obtain a more comprehensive perspective, further analysis is needed from the demand side by considering the characteristics of MSMEs as financing recipients. This area of research remains relatively underexplored, which is mandated to allocate at least 30% of its financing to the MSME sector, although actual disbursement remains around 10%.
Feasibility Study of a Proposed Sharia Cooperative in a Village Creative Economy: Evidence from Kampung Batik Cibuluh, Bogor Haryanti, Fuad; Fitri, Resfa; Irfany, Mohammad Iqbal; Haq, Daffa Aqomal; Gandhi, Prima
AL-MUZARA'AH Vol. 14 No. 1 (2026): AL-MUZARA'AH (January 2026)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.14.1.135-159

Abstract

This study examines the feasibility of establishing a Sharia-based Savings, Loan, and Financing Cooperative (KSPPS) to support the development of the creative economy in Kampung Batik Cibuluh, Bogor. Micro-enterprise actors in the area face limited access to sharia-compliant savings and financing services. Data were collected through surveys and in-depth interviews with community members and micro-business operators, which formed the basis for the willingness-to-pay analysis and a comprehensive feasibility assessment to evaluate interest in Islamic financial services. The findings indicate that 78.9% of respondents expressed interest in joining a sharia cooperative. Respondents were willing to contribute IDR 31,998 for principal savings and IDR 15,442 for mandatory savings, with a financing service margin of 29.5%. The financial analysis produced an NPV of IDR 675,985,915, an IRR of 16.2%, and a payback period of seven years, indicating that the KSPPS initiative is financially viable. The non-financial assessment suggests that the initiative can be implemented by considering community acceptance and social factors. Overall, the establishment of a sharia cooperative in Kampung Batik Cibuluh is considered feasible both financially and non-financially, and the study provides insights into the application of sharia-based financial services in a Muslim-friendly tourism village while highlighting their relevance for similar community-based economic contexts.
Determinants of Saving Decisions at Indonesian Islamic Banks During the COVID-19 Pandemic Kamil, Muhammad Afifuddin Abdurrosyid; Wiliasih, Ranti; Irfany, Mohammad Iqbal
Annals of Management and Organization Research Vol. 4 No. 1 (2022): August
Publisher : goodwood publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/amor.v4i1.1387

Abstract

Purpose: This study aims to determine the characteristics and factors influencing the decision to save at Islamic banks, during the COVID-19 pandemic. Research methodology: The sample used in this study amounted to 400 participants, which were collected by online questionnaire. A logistic regression was also employed to estimate the influence of independent variables on the saving decisions of customers. This was accompanied by the implementation of descriptive analysis, to determine the characteristics of Islamic bank customers during the pandemic. Results: The characteristics of the participants were dominated by people aged 17-25, with the majority of them residing in West Java and working as a student. Besides this, data were also analyzed by using logistic regression analysis. Based on the results, several factors influenced the saving decisions of Islamic bank customers. In this case, evaluation and strategy were carried out to increase customer interest through knowledge of the types and benefits of Islamic savings. Limitations: This study was limited to the analysis of the factors influencing the saving decisions of Islamic bank customers during COVID-19. The contribution derived was also related to the saving demands of customers in Islamic banking. Contribution: The results highlighted the characteristics of Islamic bank customers during the pandemic, as reference material for banking managers to increase interest in their financial products. Originality: Based on the logistic regression, religiosity, knowledge, promotion, location, and age positively/significantly affected saving decisions at Islamic banks during the COVID-19 pandemic. This indicated that Islamic banking was not stuck in the market segment of the Muslim community, regarding the promotion of their products. In addition, promotion quality should be essentially improved, accompanied by the maintenance of business ethics and image as an Islamic bank.
Testing the efficient market hypothesis with Indonesian Islamic Stocks during the Covid-19 pandemic Afifah, Tiara Early; Hasanah, Neneng; Irfany, Mohammad Iqbal
Annals of Management and Organization Research Vol. 4 No. 3 (2023): February
Publisher : goodwood publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/amor.v4i3.1621

Abstract

Purpose: This study aims to identify the phenomenon of overreaction in Islamic stocks during the COVID-19 pandemic and understand how various pieces of information during the pandemic influenced investors to overreact, leading to market inefficiency. Research Methodology: This study employs two main methods: an event study focusing on the overreaction phenomenon in the Islamic stock market, and cross-sectional regression to analyze the factors that influence it. Results: Overreaction was observed in the winner's stock portfolio during the announcement of Indonesia's first COVID-19 case. However, during other significant events, such as the National Economic Recovery program issuance, the arrival of the vaccine, and the highest increase in daily positive cases, overreaction was seen in both the winner and loser stock portfolios. Factors such as abnormal returns, information leakage, and company ownership are identified as significant influencers of this overreaction. These factors were found to be negatively related to cumulative abnormal returns post-event, indicating their role in the overreaction phenomenon. Limitation: This study focuses on the overreaction phenomenon of Shariah stocks in the Jakarta Islamic Index (JII) during the COVID-19 pandemic in 10 selected events from October 1, 2019, to July 23, 2021. Contribution: This study offers insights into the behavior of Islamic stocks in Indonesia during the pandemic, helping stakeholders understand market inefficiencies during crises.
The effect of systematic and unsystematic determinants on loan (financing) to deposit ratio in Indonesian banking Irfany, Mohammad Iqbal; Ulhaqqi, Muhammad Fikra Yafi
Annals of Management and Organization Research Vol. 5 No. 1 (2023): August
Publisher : goodwood publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/amor.v5i1.1657

Abstract

Purpose: This study compares the determinants of liquidity of Islamic Banks (IBs) and Conventional Banks (CBs) based on the loan-to-deposit ratio (LDR) and financing-to-deposit ratio (FDR) between 2016 and 2020. Research Methodology: The data analysis technique used was panel data regression. Results: The results show Economic growth has a positive effect on banking liquidity risk, while non-performing loans (financing) have a negative effect on banking liquidity risk. Limitations: The frame time in this research was 2016-2020 which, before Bank Syariah Mandiri, Bank Rakyat Indonesia (BRI) Syariah, and Bank Negara Indonesia (BNI) Syariah merged into Bank Syariah Indonesia. Contribution: This study can be used as a reference for preparing or perfecting regulations that can be bolder in expanding credit (financing). Commercial banks are expected to be able to manage liquidity so that the liquidity ratio is not less than or exceeds the tolerance limit, especially for CBs, and are used as evaluation material for the performance of IBs, especially CBs. Novelty: Several previous studies conducted separate analyses of the determinants of LDR and FDR in one type of commercial bank and showed contradictory results. This research did not conduct separate analyses in one type of bank but combined the determinants so that they could cause liquidity risk by measuring LDR on BUK and FDR on BUS to discuss these conflicting findings.
Halal cosmetics' willingness to pay for the muslim millenial generation: Lessons from Bogor Regency, Indonesia Ramdhani, Arlita; Nursyamsiyah, Tita; Irfany, Mohammad Iqbal; Haq, Daffa Aqomal
Annals of Management and Organization Research Vol. 6 No. 4 (2025): May
Publisher : goodwood publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/amor.v6i4.2298

Abstract

Purpose: This study investigates the willingness to pay (WTP) of the Muslim millennial generation in Bogor Regency, Indonesia, for halal-certified cosmetics and analyzes the factors influencing this decision. Research Methodology: Using primary data from 100 millennial respondents collected through questionnaires, this study applied the Contingent Valuation Method (CVM) to determine WTP values. Structural equation model-partial least squares (SEM-PLS) was employed to analyze the relationship between WTP and influencing factors, including the perception of halal labels, brand image, attitude, and customer perceived value. Results: The findings indicated that millennials’ average WTP for halal-certified cosmetics was IDR 25,700. The perception of halal labels and customer-perceived value positively impact WTP, whereas brand image and attitude are not significant determinants. Conclusions: Based on these results, it can be concluded that the WTP value of the millennial generation in Bogor Regency for halal cosmetics is 25,700 per product. Limitations: This study focuses on a single region within Bogor, which limits its generalizability. Further studies should explore other regions and demographics in order to obtain broader insights. Contribution:  This study contributes to the understanding of consumer behavior regarding halal products, highlighting the importance of halal certification and perceived value. The findings could support manufacturers in improving marketing strategies and encourage policymakers to facilitate accessibility to halal certification and enhance the demand for halal products.
Sharia hotel preferences among tourists in Bogor City: Factors and insights Luthfiana, Alda; Wiliasih, Ranti; Irfany, Mohammad Iqbal; Haq, Daffa Aqomal
Journal of Sustainable Tourism and Entrepreneurship Vol. 4 No. 1 (2022): September
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/joste.v4i1.1654

Abstract

Purpose: The objective of this study is to examine the factors influencing consumer demand for Sharia hotel services in Bogor City and their characteristics to provide invaluable guidance for related parties. Research Methodology:  This study employs descriptive and multiple regression analyses using data collected from Sharia hotel consumers in Bogor City using a convenience sampling technique with 59 samples. Results: The results show that consumers of Sharia hotels in Bogor City use conventional hotel services more often than Sharia hotels. The factors influencing tourists’ use of Sharia hotel services in Bogor City are the relative prices of Sharia hotels to conventional hotels, knowledge, religiosity, service quality, and facilities owned by Sharia hotels. Limitations: The study is geographically confined to three specific Sharia hotels in Bogor City: Sahira Hotel, Sahira Butik Hotel Bogor, and Sahira Butik Hotel Pakuan, which may not be representative of sharia hotels in other regions. Contributions: Offers insights into consumer behavior in Bogor City's Sharia hotel sector, aiding future business and policy decisions in halal tourism.
Co-Authors Aam Slamet Rusydiana Aam Slamet Rusydiana Aam Slamet Rusydiana, Aam Slamet Aceng Hidayat Achsani, Muhammad Nur Faaiz Fathah Afiana, Riyyun Afifah, Tiara Early Ahmad Izzuddin Ahmad syahirul Alim Aisyah, Tasya Nur Al Muharram, Muhammad Shiddiq Al Zahroh, Dina Naba Albajili, Abi Nubli Alda Luthfiana Alfiasari Alghifari, Ahmad Fadli Amirah, Nurul Anggini, Karlita Anggraini, Lilik Asep Nurhalim Aulia Nur Cahyani Cahyaningrum, Laeli Dyah Tantri Camara, Bumi Daffa Aqomal Haq Daffa Aqomal Haq Dharmarianti, Dian Putri Dwi Hastuti Edi Santosa Eka Maulidiya, Sherly Erliza Noor Euis Sunarti Fadhila Meithasari Nurtjahjo Fitri, Resfa Fitriyatustany Fitriyatustany Handian Purwawangsa Haq, Daffa Aqomal Haryanti, Fuad Hasanah, Qoriatul Herlin, Herlin Hutajulu, Ivonia R. Ikhsana, Nadya Ramadhani Indah Sulistya Indriansyah, Albertty Intan Aulia Ardhani Irfan Syauqi Beik Isbayu, Muhammad Istiqlaliyah Muflikhati Izzah, Hanifah Nurul JAENAL EFFENDI Kamil, Muhammad Afifuddin Abdurrosyid Kusumaningrum, Devina D. Laily Dwi Arsyianti Lilik Noor Yuliati Luthfiana, Alda Maulidiya, Sherly Eka Mayadis, Diki Candra Melinda, Vera Melly Latifah Muhammad Afifuddin Abdurrosyid Kamil Muhammad Wildan Syakuro Muslich, Muhammad Ayyub Mustika Mustika Muthohharoh, Marhamah Nadiya Ulfa Neneng Hasanah Neneng Hasanah Ningsih, Sri Rahayu Nur Wulan Nursyamsiyah, Tita Oktaviona, Winda Prima Gandhi Priyanto, Anindia Meil Putri, Fatimah Iskandar Putri, Syifa Izzati Anzania Putri, Uly Anggraeni Qoriatul Hasanah Rafki, Muhammad Rahmat, Muhammad Alifka Rahmawati, Nur Fajri Ramadhini, Fiona Ramadini, Kintan Nur Ramdhani, Arlita Ranti Wiliasih Rezkyarta, Alif Rosmala, Novia Setiawan, Alfianto Hendry Siti Rahmawati Sofina Mujadiddah Sri Rahayu Sri Rahayu Ningsih Susanto, Astiani Sutito, Yolanda M. M. Suwandi, Syifa Damaianti Tamaulina Br Sembiring Tiara Early Afifah Tieman, Marco Tita Nursyamsiah Tita Nursyamsiah, Tita Tsany, Fadhlan Tsany, Fadhlan Muhammad Ulfa, Nadiya Ulhaqqi, Muhammad Fikra Yafi Vitriara Ahsana Nadya Widya Syafitri Yulina Eva Riany Zidan, Muhamad