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All Journal Jurnal Ilmiah Mahasiswa FEB 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 Equilibrium: Jurnal Ekonomi Syariah El-Mujtama: Jurnal Pengabdian Masyarakat
Kurnia Dwi Sari Utami
Universitas Bina Bangsa
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Pendampingan Pembuatan Laporan Keuangan Bagi Pengrajin Tas Di Kecamatan Kasemen Kota Serang Utami, Kurnia Dwi Sari; Fatoni, Ahmad
Jurnal Pengabdian Masyarakat: Pemberdayaan, Inovasi dan Perubahan Vol 5, No 5 (2025): JPM: Pemberdayaan, Inovasi dan Perubahan
Publisher : Penerbit Widina, Widina Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59818/jpm.v5i5.2115

Abstract

The background to this service is the still low level of good financial management skills and adequate understanding of accounting. This community service program aims to assist bag craftsmen in Kasemen District, Serang City, in preparing financial reports to gain access to capital from financial institutions. Micro, small, and medium enterprises (MSMEs) often face obstacles in managing their finances, making it difficult for them to obtain the capital needed for business development. This assistance includes training on the main components of financial reports, namely the profit and loss statement, balance sheet, and cash flow, as well as a simulation of capital applications. The community service implementation method is carried out in 3 (three) stages: the preparation stage, the implementation stage, and the evaluation stage. The results of this activity show that with a better understanding of financial management, business actors can prepare neat financial reports and increase their opportunities in obtaining access to financing from financial institutions.ABSTRAKLatar belakang pengabdian ini adalah masih rendahnya kemampuan pengelolaan keuangan yang baik dan pemahaman akuntansi yang memadai. Program pengabdian ini bertujuan untuk mendampingi para pengrajin tas di Kecamatan Kasemen, Kota Serang dalam penyusunan laporan keuangan guna memperoleh akses permodalan dari lembaga keuangan. Pelaku usaha mikro kecil dan menengah (UMKM) sering menghadapi kendala dalam mengelola keuangan, sehingga menyulitkan mereka untuk mendapatkan modal yang diperlukan guna pengembangan usaha. Pendampingan ini mencakup pelatihan tentang komponen utama laporan keuangan, yaitu laporan laba rugi, neraca, dan arus kas, serta simulasi pengajuan permodalan. Metode pelaksanaan pengabdian yakni dengan 3 (tiga) tahapan yakni tahap persiapan, tahap pelaksanaan dan tahap evaluasi. Hasil dari kegiatan ini menunjukkan bahwa dengan adanya pemahaman yang lebih baik mengenai manajemen keuangan, para pelaku usaha mampu menyusun laporan keuangan yang rapi dan meningkatkan peluang mereka dalam mendapatkan akses pembiayaan dari lembaga keuangan.
Pemberdayaan Mustahik melalui Program Balai Ternak Baznas di Kabupaten Pidie Jaya Provinsi Aceh Fatoni, Ahmad; Utami, Kurnia Dwi Sari
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.
ANALISIS KETERKAITAN KARAKTERISTIK KEUANGAN PERBANKAN DENGAN AKTIVITAS DERIVATIFNYA (STUDI KASUSPERBANKAN US JENIS BANK KOMERSIAL) Utami, Kurnia Dwi Sari
Jurnal Ilmiah Mahasiswa FEB Vol. 3 No. 1
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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

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
A Hybrid Review on Islamic Business Model Literatures: Implications for Government, SMEs and Future Research Studies Najmudin, Najmudin; Fatoni, Ahmad; Suja'I, Suja'I; Utami, Kurnia Dwi Sari; Najib, Mohamad Ainun
Syi`ar Iqtishadi : Journal of Islamic Economics, Finance and Banking Vol 9, No 2 (2025)
Publisher : FEB Universitas Sultan Ageng Tirtayasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35448/jiec.v9i2.36807

Abstract

This study aims to draw lessons from the Islamic Business Model literature through a Bibliometric and Systematic Literature Review. This study systematically examined a sample of 212 articles from the Scopus Q1 and Q2 databases to critically explore patterns of research development in the scope of Islamic business models from 1999 to 2025. The results of this study show that the current focus of Islamic business model research is on several elements, namely ethical governance and spiritual values, the development of Islamic business based on the Islamic financial system, Islamic entrepreneurship to achieve sustainable development, and finally Islamic marketing and Islamic branding in promoting the success of Islamic business. In developing elements of the Islamic business model, several elements that need to be targeted in future studies are the development of an integrated Islamic business model framework, evaluation of sharia social finance innovation, sustainable halal business digitalization strategies, integration of MSMEs in the global halal value chain, design of pro-sharia business ecosystem public policies, development of sharia-based business performance indicators, measurement of the social impact of Islamic fintech, Islamic fintech in supporting financial inclusion for disadvantaged groups, and data security and privacy protection in Islamic fintech.
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
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 Najib, Mohamad Ainun Najmudin Najmudin Najmudin Pardiansyah, Elif Siswati, Maidah Siti Nurhamilah Suja'i, Suja'i