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All Journal Jurnal Ilmiah Mahasiswa FEB EQUILIBRIUM Jurnal Ekonomi Islam Syi'ar Iqtishadi El-Mujtama: Jurnal Pengabdian Masyarakat Al-Muamalat : Jurnal Ekonomi Syariah Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan Jurnal Pengabdian Masyarakat Sains dan Teknologi Jurnal Ekonomi Islam Archipelago: Jurnal Pengabdian Kepada Masyarakat Iain Ternate El-Mujtama: Jurnal Pengabdian Masyarakat
Kurnia Dwi Sari Utami
Universitas Bina Bangsa
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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PENGARUH KINERJA KEUANGAN DAN KONDISI MAKROEKONOMI TERHADAP PEMBIAYAAN BERMASALAH BPR SYARIAH DI INDONESIA Fatoni, Ahmad; Utami, Kurnia Dwi Sari
EQUILIBRIUM Vol 7, No 2 (2019): EQULIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v7i2.5900

Abstract

This study is to evaluate the bank performances and macroeconomic conditions to the NPF. Internal factors consist of Capital Adequacy Ratio (CAR), Financing to Deposits Ratio (FDR), Return on Assets (ROA), operating income operating expenses (BOPO), dummy Loan to Value (LTV) and Profit and Loss Sharing (PLS). While the external factors are IHK, Gross Domestic Product (GDP) and BI rate/BI7DRR. This research uses the Autoregressive Distributed Lag (ARDL) method. The research sample is the monthly BPR Syariah data in Indonesia from January 2010 to June 2018. The results are variable NPF, CPI, GDP, BI rate, CAR, BOPO, LTV and PLS long-term cointegration to NPF. While the long term results of CPI, GDP, CAR, FDR, and PLS affect the NPF
ANALISIS KETERKAITAN KARAKTERISTIK KEUANGAN PERBANKAN DENGAN AKTIVITAS DERIVATIFNYA (STUDI KASUSPERBANKAN US JENIS BANK KOMERSIAL) Kurnia Dwi Sari Utami
Jurnal Ilmiah Mahasiswa FEB Vol 3, No 1: Semester Ganjil 2014/2015
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (349.27 KB)

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh karakteristik keuangan perbankan (total asset, nilai modal atau jumlah dari modal kepemilikan atau modal sendiri, pendapatan bunga bersih, surat utang juga wesel, pembayaran dividen, asset yang likuid, maturitas 12 bulan, nilai bersih dari kerugian berinvestasi dalam derivatif, dan dummy dealer) terhadap penggunaan derivatif bank-bank komersial di US sehingga diperoleh hasil apakah kesembilan variabel tersebut yang telah ditetapkan dapat mempengaruhi aktivitas derivatif perbankan atau tidak. Selanjutnya, agar mengetahui seberapa besar pengaruh ukuran bank dimana ukuran bank ditentukan berdasarkan total asetnya terhadap skala aktivitas derivatif bank-bank komersial. Dalam penelitian ini, menggunakan metode penelitian kuantitatif yang bertujuan untuk menguji hipotesis yang telah ditetapkan. Data dalam penelitian ini diperoleh melalui Chicago Federal Reserve Bank’s.  Sampel yang digunakan dalam penelitian ini berjumlah 7188 bank. Analisis data yang digunakan adalah uji asumsi klasik dan analisis regresi tobit atau limeted dependent variabel, dengan tujuan untuk mengetahui pengaruh karakteristik keuangan bank terhadap penggunaan derivatifnya studi kasus bank-bank komersial US. Variabel independen dalam penelitian ini adalah total aset (X1), nilai modal atau jumlah dari modal kepemilikan atau modal sendiri (X2), pendapatan bunga bersih (X3), surat utang juga wesel (X4), pembayaran dividen (X5), asset yang likuid (X6), maturitas 12 bulan (X7), nilai bersih dari kerugian berinvestasi dalam derivatif (X8), dan dummy dealer (D3), sedangkan variabel dependen adalah rasio total derivatif bank terhadap total aset (Y). Hasil dari penelitian ini berdasarkan analisis data dan pengujian hipotesis yang dilakukan, yaitu variabel X1, X2, X5, X6, X8, dan D3 berpengaruh signifikan terhadap penggunaan derivatif bank (Y). Hal ini berarti bahwa besarnya total aset, modal, pembayaran dividen, aset-aset likuid, nilai bersih kerugian berinvestasi dalam derivatif, dan variabel dummy dealer memberikan dampak yang besar dalam penentuan jumlah penggunaan derivatif bank komersial di US. Selain itu, besar ukuran bank berpengaruh positif dengan signifikansi 100% terhadap transaksi derivatif perbankan. Terdapat perbedaan modal, surat utang juga wesel, pembayaran dividen, aset-aset likuid, dan eksposur kredit   antara bank kecil dan bank besar. Kata Kunci: Bank, Derivatif
Pengukuran Kinerja Keuangan Bank Pembiayaan Rakyat Syariah di Indonesia Melalui Pendekatan Shariah Conformity and Profitability (SCnP) Model Pada Periode 2018-2020 Ahmad Fatoni; Najmudin Najmudin; Kurnia Dwi Sari Utami
Syi`ar Iqtishadi : Journal of Islamic Economics, Finance and Banking Vol 5, No 1 (2021)
Publisher : FEB Universitas Sultan Ageng Tirtayasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35448/jiec.v5i1.10937

Abstract

Measurement of Islamic banking financial performance using conventional methods shows unsatisfactory results. This method tends to prioritize profit and override sharia compliance. This study aims to measure the financial performance of 16 selected Sharia Rural Banks in Indonesia during the 2018-2020 period. Meanwhile, the measuring instrument used is Shariah Conformity and Profitability (SCnP). The results showed that there were only 11 Sharia Rural Banks that were included in quadrant 1 meaning that the bank was performing well with a high level of sharia compliance and high profitability. There are 5 Sharia Rural Banks  that are included in quadrant 2, namely banks that perform quite well with high levels of sharia compliance and low profitability
Islamic Economic Criticists Toward The Indonesian Government Of Rice Policy Ahmad Fatoni; Kurnia Dwi Sari Utami; Befita Puspisanti
Syi`ar Iqtishadi : Journal of Islamic Economics, Finance and Banking Vol 4, No 2 (2020)
Publisher : FEB Universitas Sultan Ageng Tirtayasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35448/jiec.v4i2.9846

Abstract

 Indonesia is currently faced with a condition of declining rice productivity which causes the Indonesian government to import rice from various countries. Looking at this problem, Islamic economics has its own norms, such as not eating before being hungry and stopping before being full. Moreover, there is no Islamic teaching that requires the consumption of rice as the staple food of the community. Referring to the above concept, Indonesian people can use alternative staple foods such as sweet potatoes, corn, sago and various other foods to replace rice, which is very limited and expensive. Besides that, it also takes advantage of media distribution issues such as zakat, waqf, and inheritance. The discussion this time focuses on waqf in which Indonesia's position as the country with the largest waqf in the world with a potential land use of 268,653.67 hectares spread over 366,595 locations throughout Indonesia. It can be allocated to overcome food shortages in Indonesia at this time.
THE EFFECT OF FINANCING RESTRUCTURATION POLICIES ON FINANCIAL AND FINANCING STABILITY OF SHARIA BANKING IN INDONESIA Kurnia Dwi Sari Utami; Ahmad Fatoni; Elif Pardiansyah; Abdul Ghafar Ismail
Ekonomi Islam Vol. 14 No. 1 (2023): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v14i1.10737

Abstract

The purpose of this study is to analyze the effect of financing restructuring policies on the financial and credit stability of Islamic banks. The research period is from September 2018 to December 2020, using panel data from six Islamic banks in Indonesia. Based on chow, hausman, and lagrange multiplier tests, the random effect model was selected as the best estimation model. The findings show that inflation rate, bank size, and financing restructuring policy all have a negative and significant impact on financial stability. Meanwhile, GDP has a positive and significant effect on financial stability. In addition, credit stability shows that inflation and loan restructuring has a positive and significant impact on NPF.
THE EFFECT OF FINANCING RESTRUCTURATION POLICIES ON FINANCIAL AND FINANCING STABILITY OF SHARIA BANKING IN INDONESIA Kurnia Dwi Sari Utami; Ahmad Fatoni; Elif Pardiansyah; Abdul Ghafar Ismail
Ekonomi Islam Vol. 14 No. 1 (2023): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v14i1.10737

Abstract

The purpose of this study is to analyze the effect of financing restructuring policies on the financial and credit stability of Islamic banks. The research period is from September 2018 to December 2020, using panel data from six Islamic banks in Indonesia. Based on chow, hausman, and lagrange multiplier tests, the random effect model was selected as the best estimation model. The findings show that inflation rate, bank size, and financing restructuring policy all have a negative and significant impact on financial stability. Meanwhile, GDP has a positive and significant effect on financial stability. In addition, credit stability shows that inflation and loan restructuring has a positive and significant impact on NPF.
PEMBERDAYAAN NELAYAN DALAM UPAYA PENGENTASAN KEMISKINAN DI PANTAI KARANG MALANG KABUPATEN LEBAK Ahmad Fatoni; Kurnia Dwi Sari Utami
Archipelago Vol 4, No 1 (2023): Edisi Juni 2023
Publisher : IAIN Ternate

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46339/arc.v4i1.978

Abstract

Pengabdian ini bertujuan sebagai upaya mengurangi kemiskinan pada masyarakat pesisir pantai Karang Malang Binuangeun, Kecamatan Malimping, Kabupaten Lebak, Banten. Metode pengabdian melibatkan penyampaian informasi, pengetahuan, dan keterampilan kepada masyarakat melalui seminar, lokakarya, pelatihan, atau ceramah. Hasil pengabdian yaitu dibentuknya kelompok masyarakat yang di bina dan menghasilkan produk olahan ikan seperti ikan asap, kerupuk ikan, dan bakso ikan. Dengan adanya pengembangan pengetahuan, keahlian, dan keterampilan diharapkan dapat meningkatkan kesejahteraan masyarakat pesisir
Pemberdayaan Mustahik melalui Program Balai Ternak Baznas di Kabupaten Pidie Jaya Provinsi Aceh Ahmad Fatoni; Kurnia Dwi Sari Utami
El-Mujtama: Jurnal Pengabdian Masyarakat  Vol. 4 No. 2 (2024): El-Mujtama: Jurnal Pengabdian Masyarakat
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmujtama.v4i2.489

Abstract

The Livestock Barn Program is a form of community service, especially for the beneficiaries in Pidie Jaya District, Aceh Province. Zakat funds are channeled through the BAZNAS Livestock Barn Program, which is productive with the aim of transforming beneficiaries into benefactors. Through a qualitative descriptive approach, it was found that the main empowerment activities of the BAZNAS Livestock Barn Program include empowering beneficiary farmers through the utilization of productive assets such as livestock and livestock production facilities, initiating and developing farmer institutional businesses, building livestock production centers, and establishing a marketing network for livestock products and their derivatives.
Non-performing Financing and Rate of Return on Mudharaba and Musharaka Contracts of Islamic Banks Before and During the COVID-19 Period Ahmad Fatoni; Maidah Siswati; Kurnia Dwi Sari Utami
Al-Muamalat: Jurnal Ekonomi Syariah Vol 11, No 1 (2024): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v11i1.33921

Abstract

The purpose of this study is to evaluate whether there are differences in non-performing financing and yield rates on mudharaba and musharaka financing of Islamic commercial banks in Indonesia, both before and during the COVID-19 pandemic. This study uses a quantitative method using a sample of 14 Islamic commercial banks in Indonesia. The data used is monthly secondary data obtained from Islamic banking statistics for 2017-2022. Data analysis was carried out using the Kolmogorov-Smirnov Test normality test and the Wilcoxon Signed Rank Test non-parametric difference test using IBM SPSS 26 software. The results showed differences in non-performing financing and the rate of return on mudharaba and musharaka financing in the period before and during the COVID-19 pandemic.
Meningkatkan Kesadaran Pentingnya Tanda Daftar Usaha bagi Pelaku Usaha Rumahan melalui Penyuluhan Door to Door di Wilayah Margaluyu Noerma Kurnia Fajarwati; Kurnia Dwi Sari Utami; Akbar Marzuqi; Aldi Prayuga; Meita Rahayu; Mirna Sumyati; Siti Nurhamilah; Imelia Putri
Jurnal Pengabdian Masyarakat Sains dan Teknologi Vol. 3 No. 3 (2024): September : Jurnal Pengabdian Masyarakat Sains dan Teknologi
Publisher : Fakultas Teknik Universitas Cenderawasih

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58169/jpmsaintek.v3i3.537

Abstract

Business Registration Certificate (TDU) is an essential element in strengthening the legality and sustainability of small businesses, particularly in providing legal protection as well as access to funding and training opportunities. Increasing awareness of the importance of TDU among home-based entrepreneurs is a crucial step in reinforcing the legality and sustainability of small enterprises, especially in the Margaluyu region. The primary focus of this activity is to enhance understanding of the benefits of TDU, including legal protection and access to various opportunities such as funding and training. Direct engagement with entrepreneurs allows for the identification of their specific needs and challenges. Through a door-to-door outreach approach, this program aims to provide a deep understanding of the benefits of TDU, ranging from legal protection aspects to access to funding and training opportunities. By involving entrepreneurs directly, this method effectively addresses the specific needs and challenges faced by home-based businesses in Margaluyu. The results of this outreach indicate an increase in understanding and participation among entrepreneurs in legally registering their businesses, which is expected to promote more sustainable local economic growth.
Co-Authors Abdul Ghafar Ismail Ahmad Fatoni Ahmad Fatoni Ahmad Fatoni Ahmad Fatoni Akbar Marzuqi Aldi Prayuga Befita Puspisanti Fajarwati, Noerma Kurnia Fatoni, Ahmad Hanny Hafiar Imelia Putri Maidah Siswati Meita Rahayu Mirna Sumyati Najmudin Najmudin Pardiansyah, Elif Siswati, Maidah Siti Nurhamilah