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All Journal Jurnal Intermediasi Jurnal Ekonomi Pembangunan Jurnal Reviu Akuntansi dan Keuangan JEJAK Journal of Economics, Business, & Accountancy Ventura Journal of Indonesian Applied Economics Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Journal of Accounting and Investment Falah : Jurnal Ekonomi Syariah Muhammadiyah International Journal of Economics and Business Ekuilibrium : Jurnal Ilmiah Bidang Ilmu Ekonomi Journal of Innovation in Business and Economics Jurnal Aplikasi Akuntansi International Journal of Economics Development Research (IJEDR) Jurnal Akademi Akuntansi (JAA) Studi Kasus Inovasi Ekonomi Jurnal Inovasi Ekonomi Jurnal Ilmu Ekonomi Journal of Financial Economics & Investment Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Journal of Indonesian Economy and Business Media Ekonomi Journal of Economic and Social Empowerment E-JURNAL AKUNTANSI

Idah Zuhroh

Universitas Muhammadiyah Malang

Author-ID : 428846

Humanities Chemical Engineering, Chemistry & Bioengineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences Other

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ANALISIS FAKTOR INTERNAL DAN EKSTERNAL PENENTU PEMBIAYAAN MURABAHAH PADA PERBANKAN SYARIAH DI INDONESIA Rohmah, Nikmatur; Zuhroh, Idah
Journal of Financial Economics & Investment Vol. 1 No. 1 (2021): Journal of Financial Economics & Investment
Publisher : Program Studi Ekonomi Pembangunan

Murabahah financing is the agreement to buy and sell goods between the bank and the customer at the price of the acquisition plus the profit margin agreed by both parties, where the sharia bank buys the goods needed by the customer and then To the customer in question. This research aims to analyse internal and external factors determining the Murabahah financing on Sharia banking in Indonesia. The data used in this study is secondary data of I-IV in the period of 2013-2018, which is sourced from the Financial Services Authority and World Bank official website. Data analysis techniques use a regression analysis of data panels with the help of Statistics software program Eviews9. The results showed that the Capital Adequacy Ratio (CAR), Third Party Fund (DPK), Non Performing Financing (NPF) and inflation simultaneously affected the murabahah financing on Sharia banking in Indonesia with the value of F-count ( 185.5056) > F-table (2.42). The result of T test shows that CAR has no effect on Murabahah financing, then DPK, NPF and inflation partially have a significant positive influence on financing murabahah on sharia banking in Indonesia.

DAMPAK KREDIT PT PNM MEKAAR TERHADAP KINERJA USAHA ULTRA MIKRO DI KECAMATAN BATU Mayangsari, Bunga Adelia; Zuhroh, Idah; Hadi, Syamsul
Journal of Financial Economics & Investment Vol. 1 No. 1 (2021): Journal of Financial Economics & Investment
Publisher : Program Studi Ekonomi Pembangunan

This study aims to analyze the performance of ultra micro businesses after obtaining venture capital financing from PT. Permodalan Nasional Madani (PNM). Judging from the performance and impact felt by ultra micro entrepreneurs in Batu District, after receiving financing from PT. PNM. This study uses primary data, with a simple regression analysis tool. The results showed that the financing program from PNM Mekaar had an impact on increasing capital, increasing turnover, increasing operating profits and increasing assets. However, this does not affect the increase in the workforce and the increase in business branches of ultra micro entrepreneurs in Batu District.

PENGARUH KREDIT USAHA RAKYAT (KUR) TERHADAP PERKEMBANGAN USAHA MIKRO (STUDI PADA NASABAH BANK RAKYAT INDONESIA UNIT KESAMBEN KABUPATEN BLITAR) Maslikhah, Devi Vela; Zuhroh, Idah; Hadi, Syamsul
Journal of Financial Economics & Investment Vol. 1 No. 1 (2021): Journal of Financial Economics & Investment
Publisher : Program Studi Ekonomi Pembangunan

Penelitian ini bertujuan untuk mendeskripsikan profil KUR BRI Kesamben dan mengetahui pengaruh KUR terhadap perkembangan usaha mikro di Dusun Sanan Kecamatan Kesamben Kabupaten Blitar. Dalam penelitian ini menggunakan metode kuantitatif dan menggunakan data primer, 21 sampel pengusaha mikro dan dianalisis menggunakan regresi linear sederhana. Hasil penelitian menunjukkan bahwa sektor usaha KUR BRI Kesamben meliputi: sektor pertanian, perdagangan, pertambangan, industri pengolahan minyak, gas dan air, jasa pendidikan, dan jasa kesehatan. Dalam analisis SWOT yang terdiri dari Strenght (Kekuatan), Weakness (Kelemahan), Opportunities (Peluang), dan Threats (Ancaman). Untuk dapat menentukan strategi yang akan dijalankan maka BRI memanfaatkan kekuatan serta peluang yang dimiliki. Dengan hasil analisis regresi linear sederhana, KUR berdampak signifikan terhadap kinerja pengusaha mikro yang ditinjau dari aspek asset, omzet penjualan, dan pendapatan.

PERSEPSI PENGUSAHA KERIPIK TEMPE SANAN TERHADAP PEMBIAYAAN BANK SYARIAH (STUDI INDUSTRI TEMPE SANAN KOTA MALANG) Viana, Vira Okta; Zuhroh, Idah; Suliswanto, Muhammad Sri Wahyudi
Journal of Financial Economics & Investment Vol. 2 No. 1 (2022): Journal of Financial Economics & Investment
Publisher : Program Studi Ekonomi Pembangunan

This study aims to describe the micro business profile of Sanan tempe chips and provide an overview of the perceptions of Sanan tempe chips entrepreneurs on Islamic bank financing. The analytical method used is descriptive analysis research method by combining qualitative and quantitative method approaches in the different stages of the research process. The results showed that the profile of tempe chips entrepreneurs in terms of production could produce between 800-2,800 per month on average with a price of Rp. 7000, with an average income between 1,000,000 – 5,000,000 with a percentage of 48.6%. For the marketing aspect, it uses more inside and outside the region, marketing outside the region such as: Batu City, Pasuruan, and Surabaya. The perception of the tempe sanan chip entrepreneur on financing, in terms of 4 aspects: in 4 aspects it has a different percentage level and criteria. The criteria that are lacking are in the procedural aspect with a percentage rate of 59% of respondents compared to the other 3 aspects. This shows that there are many responses that choose less appropriate regarding the disbursement of financing and the financing application process.

RISIKO KREDIT BANK UMUM KONVENSIONAL (STUDI PADA BANK PERSERO 2010-2021) Yustian, Lila Denayu; Zuhroh, Idah
Journal of Financial Economics & Investment Vol. 1 No. 3 (2021): Journal of Financial Economics & Investment
Publisher : Program Studi Ekonomi Pembangunan

This study aims to provide an overview of developments and determine credit risk at Conventional Commercial Banks. The independent variables in this study are Expenses and Income operational (BOPO), Capital Adequacy Ratio (CAR) and inflation for Non Performing Loan (NPL). The population used in this study is a registered Conventional Bank in Otoritas Jasa Keuangan (OJK) as many as five bank. The sample of this research is using 4 banks by using sampling method is purposive sampling. The result for this research are BOPO has a positive and significant effect on NPL. CAR has a negatife and significant effect on NPL Inflation has a negative and significant effect on NPL.

DETERMINING FACTORS OF ISLAMIC BANK CAPITAL STRUCTURE IN INDONESIA Anggraeni, Anita Meliana; Zuhroh, Idah; Suliswanto, Muhammad Sri Wahyudi
Journal of Financial Economics & Investment Vol. 1 No. 2 (2021): Journal of Financial Economics & Investment
Publisher : Program Studi Ekonomi Pembangunan

In the capital structure there are several determinants to determine the capital structure, these determinants will later be used as a consideration in determining the capital structure. This research will analyze the factors that determine the capital structure of Islamic banks in Indonesia. The data used for this research are in the period 2015.1-2019.4. The data used is data from the Indonesian Islamic Commercial Bank. For analysis data processing using panel data regression with the best model selection. The data variable consists of 2 variables, namely dependent and independent. The dependent variable in this study is the Capital Adequacy Ratio (CAR). While the independent variables in this study are Return On Assets (ROA), Return On Equity (ROE), Non-Performing Financing (NPF) and Financing to Deposit Ratio (FDR). From the results of the analysis for this study, it is known that the Return On Assets (ROA) variable has a positive and significant effect on the Capital Adequacy Ratio (CAR) variable. For variables that have a negative and significant effect on the CAR variable are the Return On Equity (ROE) and Non-Perfoming Financing (NPF) variables. Whereas the Financing to Deposit Ratio (FDR) variable has a positive and insignificant effect on Capital Adequacy Ratio (CAR) variable.

ANALISIS TINGKAT PENYALURAN KREDIT INVESTASI PADA BANK UMUM DI PROVINSI BALI (2010-2019) Prasetyo, Levina; Zuhroh, Idah
Journal of Financial Economics & Investment Vol. 2 No. 2 (2022): Journal of Financial Economics & Investment
Publisher : Program Studi Ekonomi Pembangunan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jofei.v2i2.19729

The purpose of this study is to determine whether there is an influence on the level of disbursement of investment credit at commercial banks in the province of Bali with the variables used, namely, Non Performing Loans (NPL), Loan to Deposit Ratio (LDR), Third Party Funds (DPK) and Inflation in 2010Q1-2019Q4. The data used in this study is secondary data, which comes from the publications of Bank Indonesia in the 2010-2019 Regional Economic Studies. This research uses multiple linear regression analysis method. The results of this study indicate that the NPL variable has a significant negative effect on the level of investment credit distribution, the LDR variable has a positive and insignificant effect on the level of investment credit distribution, the DPK variable has a significant positive effect on the level of investment credit distribution, the inflation variable has a positive and insignificant effect on the level of lending investation. And simultaneously the variables of Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Third Party Funds (DPK), Inflation simultaneously (simultaneously) have a significant effect on the variable of investment credit distribution.

ANALISIS EFISIENSI PERBANKAN SYARIAH DUNIA Khalidah, Nur Diana; Zuhroh, Idah
Journal of Financial Economics & Investment Vol. 3 No. 3 (2023): Journal of Financial Economics & Investment
Publisher : Program Studi Ekonomi Pembangunan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jofei.v3i3.28153

In the last decade the development of sharia banking in the world has increased. One of the important things to measure banking performance is to look at the level of efficiency. This research aims to estimate the efficiency of Islamic banking in the world and analyze the factors that influence it. The research object consists of ten Islamic banks in the world with the period first quarter 2014 - fourth quarter 2021. The analysis technique in this research uses panel data regression analysis to analyze the factors that influence banking efficiency. The research results show that in general sharia banking in the world is not operating efficiently. The regression estimation results show that CAR and ROA have a significant effect on the efficiency of Islamic banking in the world. Meanwhile, NPF does not have a significant effect on the efficiency of sharia banking in the world.

ANALISIS PROFITABILITAS PERBANKAN SYARIAH DI NEGARA OKI Hanifah, Zalfa Elvina Dewi; Zuhroh, Idah
Journal of Financial Economics & Investment Vol. 4 No. 2 (2024): Journal of Financial Economics & Investment
Publisher : Program Studi Ekonomi Pembangunan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jofei.v4i2.32848

The development of the economic system can be seen from the movement of the financial system which has a global impact. Therefore, the role of banking is very important for economies around the world. The aim of this research is to assess the financial performance of Islamic banks in OIC member countries (Indonesia, Malaysia, Pakistan, United Arab Emirates and Saudi Arabia) through profitability. The measure of profitability is to use the ROA ratio. The data was processed using panel data regression testing. The results of data analysis show that CAR and sukuk have a significant positive effect on profitability, while BOPO has a significant negative effect on the profitability of sharia banks in OIC member countries during the 2018 - 2022 period. Only the inflation variable has not significantly influenced the profitability of sharia banks in OIC member countries during the period. 2018 – 2022. The implication of this research is that Islamic banks must strive to increase the CAR ratio and reduce the BOPO ratio because it can significantly affect the level of bank profitability. Apart from that, Islamic banks also continue to increase sukuk issuance because it can encourage increased profits.

Pendampingan Penyusunan Indeks Kelayakan Investasi Desa di Kota Batu Zuhroh, Idah; Wahyudi Suliswanto, Muhammad Sri; Kusuma, Hendra; Rusdianasari, Fitri
JOURNAL OF ECONOMIC AND SOCIAL EMPOWERMENT Vol. 5 No. 1 (2025): JOURNAL OF ECONOMIC AND SOCIAL EMPOWERMENT
Publisher : Program Studi Ekonomi Pembangunan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/joesment.v5i1.39003

The community service conducted a study on data management in Bulukerto, Tlekung, and Gunungsari Villages in Batu City. Local potential, especially in the agricultural sector, has not been optimally utilized due to fragmented and unintegrated data systems. The main problems include the lack of data by name by address, limited access to digital services, and weak documentation of superior potential such as apples, oranges, and cut flowers. The method used involves the development of a digital-based data integration system, with stages of identifying data needs, collecting and processing data, and training village officials. This program also includes statistical training and coaching to improve the capacity of village officials in analyzing and presenting data. The results show significant improvements in village data management. The integration system allows the preparation of a Village Investment Feasibility Index that includes dimensions of business finance, economy, investment climate, and infrastructure. This index is based on indicators such as financial literacy, access to digital services, and local consumption potential. The benefits achieved include strengthening the capacity of village officials, providing comprehensive individual-based data, and more strategic village development planning. This feasibility index is expected to be an effective guide for villages in attracting investment based on local potential and improving community welfare.

Co-Authors . Misgayanti Aida Bela Silfia Alvio Veronika Anggraeni, Anita Meliana Asilah Eka Putri Asmaul Hayani Birrul Walidain Daryanti Ningsih Daryanti Ningsih, Daryanti David Kaluge Della Andrieanny Putri Desi Anggarwati Dessy Dianita Dewi Indriana Dhurotus Sangadah Didit Suprayitno Dwi Susilowati Erika Novendira Purnamasari Eris Tri Kurniawati Eris Tri Kurniawati Eris Tri Kurniawti Evita Hayatun Nufus Faizal Amir Faizal Amir, Faizal Feeriska Budi Wiranti Firdha Aksari Anindyntha Fitri Rusdianasari Frinda Pramesti Regitara Cahyani Hafiludin, Alan Hanifah, Zalfa Elvina Dewi Harpiyansa Harpiyansa Hendra Kusuma Hendra Kusuma Hendra Kusuma Herlina Panama Ida Nuraini Indriana, Dewi Jhoni Lumintang Khalidah, Nur Diana Kristianto, Andriyan La Subuh Latifa Insaf Maulida Maslikhah, Devi Vela Mayangsari, Bunga Adelia Maydhy Zulfi Afied Misgayanti, . Mohammad Faisal Abdullah Muhammad Ardiansyah Muhammad Sri Wahyudi Suliswanto Nabilah Khairunnisa Natalia Popy Kristian Nazaruddin Malik Novia Dwi Putri novia dwi putri Pradityo Fahril Arrahman Prasetyo, Levina Pristiva, Desy Rafly Izaz Mada Yafie Regar Elisa Rifatin Amalia Rofik, Mochamad Rohmah, Nikmatur Selva Kurnia Oneestasya Sembiring, Rinawati Sri Budi Cantika Sri Budi Cantika Yuli Subuh, La Syamsul Hadi Syamsul Ph.D M.A. Hadi Syela Kurniawati Ummi Khusnul Habibah Vebian Indriati Viana, Vira Okta Yulidia Rohmawati Yustian, Lila Denayu Zainuri, - Zulfa Nahdia Rahmi

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