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ANALISIS FAKTOR YANG MEMPENGARUHI MINAT NASABAH DALAM MEMILIH PRODUK SIMPANAN MUDHARABAH PADA BANK SYARIAH INDONESIA (Studi Kasus Pada Mahasiswa Universitas Islam Malang) Zukhruf Dinnisa'Ul Furqana; Dwiyani Sudaryanti; Junaidi Junaidi
El-Aswaq: Islamic Economics and Finance Journal Vol. 3 No. 2 (2022): El-Aswaq
Publisher : Universitas Islam Malang

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Abstract

This study aims to determine the analysis of factors that influence customer interest in choosing mudharabah savings products at Bank Syariah Indonesia (a case study on students at the Islamic University of Malang). The population in this study were students majoring in Islamic banking FEB UNISMA class 2017, 2018, 2019, which was opened by 252 students. Samples were taken using purposive sampling method. The type of data used in this study uses multiple linear regression analysis techniques using the SPSS 25 program. The results of data analysis show that simultaneous analysis of factors that influence customer interest in choosing mudharabah savings products at Bank Syariah Indonesia (case study on students at the Islamic University of Malang) . Partially, the effect of profit sharing (X1) and location (X3) has a positive effect on customer interest in choosing mudharabah savings products at Bank Syariah Indonesia, while the effect of promotion (X2) has no effect on customer interest in choosing mudharabah savings products at Banks. Indonesian Sharia (a case study on students at the Islamic University of Malang).
PENGARUH DANA ZAKAT MAL DAN SSEDEKAH UNTUK KINERJA UMKM DI DUSUN PLUMPUNGREJO DESA KARANGTENGAH KECAMATAN KANDANGAN KABUPATEN KEDIRI M. Afani Almaarif; Dwiyani Sudaryanti; Hariri Hariri
El-Aswaq: Islamic Economics and Finance Journal Vol. 3 No. 2 (2022): El-Aswaq
Publisher : Universitas Islam Malang

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Abstract

This study aims to determine the effect of zakat mal and sodaqoh on the performance of micro, small and medium enterprises in Plumpungrejo hamlet, Karangtengah village, Kandangan sub-district, Kediri district. The type of research used is research with a quantitative approach. Based on the results of research conducted by researchers by distributing questionnaires to owners of micro, small and medium enterprises in Plumpungrejo hamlet, researchers obtained 62 respondents based on owners of micro, small and medium enterprises who received zakat mal and shodaqoh funds. Sampling of this study used the census sampling technique. The analytical tool used is using SPS. The results of the study prove that the zakat mal variable (X1) does not have a positive and partially significant effect on the performance of micro, small and medium enterprises (Y) and the shodaqoh variable (X2) does not have a positive and significant effect on the performance of micro, small and medium enterprises (Y).
PENGARUH PENGETAHUAN MAHASISWA TENTANG RIBA & BAGI HASIL TERHADAP MINAT MENABUNG DI BANK SYARIAH Khofifah Khofifah; Dwiyani Sudaryanti; Harun Alrasyid
El-Aswaq: Islamic Economics and Finance Journal Vol. 3 No. 2 (2022): El-Aswaq
Publisher : Universitas Islam Malang

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Abstract

Sharia Bank is a banking institution that operates its business with sharia principles. There is a fundamental difference between Islamic banks and conventional banks, namely Islamic banks do not use the interest system (usury) in every transaction, besides that Islamic banks also use a profit-sharing system in profit sharing. However, there are still many who do not know about this, this can be seen from the results of the Islamic financial literacy index in 2019 which shows that public literacy regarding Islamic finance is still low, with a value of only 8.93%, meaning that out of 100 people only 8 people are eligible. know about Islamic finance. Therefore, this study aims to determine the effect of knowledge about usury and profit sharing on interest in saving in Islamic banks. This research uses a questionnaire method and is a quantitative research. The population in this study were students of the Islamic University of Malang. From the results of the study, it is known that knowledge of usury & profit sharing has a positive and significant effect on interest in saving in Islamic banks.
TINGKAT PENDIDIKAN, PEMAHAMAN AKUNTANSI, SKALA USAHA, DAN LAMA USAHA TERHADAP KUALITAS LAPORAN KEUANGAN UMKM Novia'atul Aullah; Umi Nandiroh; Dwiyani Sudaryanti
Jurnal Manajemen dan Profesional Vol 3 No 2 (2022): Jurnal JPro
Publisher : Program Studi Manajemen Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jpro.v3i2.1492

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Abstract: Micro, Small and Medium Enterprises (MSMEs) play an important role in upholding the country's economy. Thus, every MSME actor is expected to be able to produce quality financial reports. Because financial reports are able to analyze the financial performance of an entity. This study aims to determine the effect of education level, understanding of accounting, business scale, and length of business on the quality of financial reports. This study used purposive sampling as a technique in taking the sample. as many as 90 questionnaire data for MSME actors were processed with SPSS 25.0 for windows. In this study it was concluded that there was a partial influence between the variables of education level, accounting comprehension reports, business scale on financial quality. But in this study did not find any significant effect between the length of business variables on the quality of financial reports.
ANALISIS FRAUD DIAMOND DALAM PERSPEKTIF ISLAM UNTUK MENDETEKSI KECURANGAN LAPORAN KEUANGAN (STUDI EMPIRIS BANK UMUM SYARIAH DI INDONESIA TAHUN 2017-2021) Peni Dwi Lestari; Dwiyani Sudaryanti; M. Agus Salim
Reflektika Vol 17, No 1 (2022)
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/reflektika.v17i1.975

Abstract

Cheating in Islam is a disgraceful act that is prohibited. Fraud perpetrated on the company leads to financial reports. This fraud will cause harm because it is only concerned with one-sided needs with the aim of making a profit. The purpose of this article is to analyze Fraud Diamond Analysis in an Islamic Perspective to Detect Financial Statement Fraud (Empirical Study of Islamic Commercial Banks in Indonesia 2017-2021). The results of the study stated that the (ROA) variable partially had a positive effect on (F-Score). Variable (BDOUT), partially has no positive effect on (F-Score). variable (TATA) partially has a positive effect on (F-Score). And the variable (DCHANGE) partially has no positive effect on (F-Score).
ANALISIS STRATEGI PENGEMBANGAN BISNIS UNTUK UMKM BERBASIS TEKNOLOGI INFORMASI DI MASA PANDEMI COVID-19 DI KABUPATEN BANYUWANGI Endang Purnama Sari; Dwiyani Sudaryanti; Arista Fauzi Kartika Sari
e_Jurnal Ilmiah Riset Akuntansi Vol 11, No 06 (2022): e_Jurnal Ilmiah Riset Akuntansi Februari 2022
Publisher : Universitas Islam Malang

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Banyuwangi Regency is a city that is rich in human resources and has the potential to develop Information Technology-based Micro, Small and Medium Enterprises (UMKM) products. The purpose of this research is to examine and analyze how the business development strategy for MSMEs Based on Information Technology During the COVID-19 Pandemic in Banyuwangi Regency. The method used in this research is descriptive qualitative and through interviews, observation and documentation using swot analysis to find out strengths, weaknesses, opportunities and threats in developing information technology-based SMEs during the COVID-19 pandemic in Banyuwangi Regency. The informants in this study were the owners of the SH Wholesale store MSMEs, the SH Wholesale store employees, and the SH Wholesale store customers. The results of this study indicate that business actors carry out development strategies, namely product strategies, promotion strategies, pricing strategies, and place strategies to increase sales. and as for the problems faced by business actors using information technology that is less than optimal.Keywords: Development Strategy, MSMEs, Information Technology
Pengaruh Motivasi Belajar, Motivasi Orang Tua, dan Lingkungan Belajar Terhadap Kinerja Mahasiswa Selama Pandemi Covid 19 Adhelya Ludfy Pratiwi; Maslichah Maslichah; Dwiyani Sudaryanti
e_Jurnal Ilmiah Riset Akuntansi Vol 12, No 01 (2023): e_Jurnal Ilmiah Riset Akuntansi 2023
Publisher : Universitas Islam Malang

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This research is an associative study to analyze the relationship or to determine the effect of Learning Motivation, Parental Motivation, and Learning Environment on Student Performance During the Covid 19 Pandemic. The population in this study were students of the Islamic University of Malang majoring in Accounting and Management from 2016 to 2019. The sampling used in this research is simple random sampling. The results showed that learning motivation had a positive and significant effect on student performance. The higher the level of learning motivation, the more it affects student performance. Parental motivation has a positive and significant effect on student performance. The higher the level of parental motivation, the more it affects student performance. The learning environment has a positive and significant effect on student performance. The better the learning environment, the more it affects student performance. The coefficient of determination R² which shows 0.374, meaning that 37.40% of student performance is influenced by learning motivation, parental motivation, and the learning environment, while the remaining 62.60% of student performance is influenced by other variables not examined in this study.Keywords: Learning motivation, parents' motivation, learning environment, student performance, covid 19 pandemic.
PENGARUH PENGENDALIAN INTERN, KOMPETENSI SUMBER DAYA MANUSIA DAN PEMAHAMAN GOOD GOVERNANCE TERHADAP KINERJA PEMERINTAH DAERAH PADA KABUPATEN MALANG (Studi Kasus Pada Organisasi Perangkat Daerah di Kabupaten Malang) Lavita Safitri Ramadhany; Dwiyani Sudaryanti; Hariri Hariri
e_Jurnal Ilmiah Riset Akuntansi Vol 10, No 04 (2021): e_Jurnal Ilmiah Riset Akuntansi Agustus 2021
Publisher : Universitas Islam Malang

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The purpose of this study was to determine the effect of internal control, competence of human resources and understanding of good governance on the performance of local government in Malang Regency. The case study in this research is the regional apparatus organization in Malang Regency. This study uses purposive sampling technique in determining the sample and obtained as many as 40 respondents. The data analysis technique in this study used multiple linear regression analysis. The results of this study are simultaneously variables of internal control, human resource competence, and understanding of good governance have an influence on the performance of local governments. Partially, internal control affects the government's financial performance. And partially the variable of human resource competence has an effect on the performance of local government. Good governance partially has an influence on local government performance.Keywords: internal control, human resource competence, good governance, local government performance.
DAMPAK SARS-COV-2 TERHADAP SAHAM PERUSAHAAN SUB SEKTOR PERHOTELAN, RESTORAN DAN PARIWISATA DI BURSA EFEK INDONESIA UNTUK PERIODE BERAKHIR BULAN SEPTEMBER 2020 Via Krismawati; Maslichah Maslichah; Dwiyani Sudaryanti
e_Jurnal Ilmiah Riset Akuntansi Vol 10, No 04 (2021): e_Jurnal Ilmiah Riset Akuntansi Februari 2021
Publisher : Universitas Islam Malang

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The SARS-CoV-2 incident is one of the causes which able to affect capital market investment activities in Indonesia. This study aims to know the SARS-CoV-2 incident impact on the shares of hospitality industry, restaurant, and tourism subsector The population of this research is hospitality industry, restaurant, and tourism subsector on the BEI. The sampling technique used purposive sampling. The data was taken in the form of secondary data with documentation method. This kind of research used an event study with an event window during t-7 (before the event) and t + 7 (at the time of the event). The data used is data in the form of monthly share prices. Then the data were analyzed using paired t test. The results prove that average abnormal return with a value (0.049 <0.05) there is a difference between before and during the SARS-CoV-2 incident. Meanwhile, average trading volume activity with a value (0.293> 0.05) proved that there was no difference between before and during the SARS-CoV-2 incident.Keywords: SARS-CoV-2, Average Abnormal Return, and Average Trading Volume Activity.
ANALISIS STRATEGI PENENTUAN HARGA SEWA KAMAR SELAMA PANDEMI COVID-19 BERDASARKAN METODE OUT OF POCKET COST TERHADAP BISNIS HOTEL DI TANJUNG SELOR KABUPATEN BULUNGAN STUDI KASUS GRAND PANGERAN KHAR HOTEL) Febriati Sari; Dwiyani Sudaryanti; Arista Fauzi Kartika Sari
e_Jurnal Ilmiah Riset Akuntansi Vol 11, No 08 (2022): e_Jurnal Ilmiah Riset Akuntansi Februari 2022
Publisher : Universitas Islam Malang

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Abstract

Tanjung Selor is one of the cities with high hotel growth in North Kalimantan, because it is the closest shopping center and is easy to reach by vehicle by land. Therefore, many visitors from various sub-districts stay at the Tanjung Selor hotel. With so many hotel industries in Tanjung Selor, competition in terms of price, facilities, and services is bound to exist. Every hotel is competing to provide the best so that its hospitality business is not less competitive with other hotel businesses. Moreover, during the current Covid-19 pandemi, the hotel manager needs to carry out the right strategy so that it is not empty of visitors during this pandemi. This study aims to find out how much is the room rental price during the Covid-19 pandemi at the Grand Pangeran Khar Hotel based on out of pocket cost. Based on the calculation results, it can be seen that the selling price during the covid-19 pandemi set by the Grand Pangeran Khar Hotel for the Pangeran, Boelungon, Family, Executive, Deluxe, Superior, and Standard types is able to cover the cost of the existing rental cost, but for the type of room Executive gets the lowest profit from other room types.Keywords: determination of rental price, Out Of Pocket Cost, Cash cost
Co-Authors Abaida Zuhri Adam Dharma Syahputra Adhelya Ludfy Pratiwi Agnia Fadillah Agus Salim Ahmad Faiz Falahudin Ahmad Khoirul Imaduddin Ainiyah, Zahrotul Aldo Gumelang Wibiandika Alifiah Salsabilah Allya Dewi Listyani Amarta Fasa, Mochamad Amin, Muhammad Sirojuddin Andi Oktavian Rachmadi Anggrainy, Devy Anisa Putri Annisa Dinar Anwar, Siti Aminah Arifin, Agus Zaenal Arista Fauzi Kartika Sari Arum Alphinia Arumdhani Al’azhmi Asril Ainun Atiqoh, Nihaya Nazilatul Basalamah, Muhammad Ridwan Bastomi, Mohamad Bela Safira Bhubha, Umi Kalsum Bukhori, Mochamad de Araújo, Deonisio Jeremias Catedralino Soares Dedi Mizwar Umar Delly Isnatani Dalove Setyantoro Deonisio Jeremias Catedralino Soares de Araújo Devi Fajar Indriyani DEWI DIAH FAKHRIYYAH Dhuratun Nuskha Dicky Pratama Putra Dina Karima Dina Riski Hartanti Dinar, Annisa Dwi Atika Santya Putri Dwi Shindi Syafriyanti Dwi Wulandari Eka Putri Wahyuningtyas Eka Susi Indriani Endang Purnama Sari Enggal, Tria Warsa Era Perdana Erfan Efendi Erika Dwi Rahmawati Erin Yuniar Evi Lamitasari Fadillah, Mulkan Ahmad Fahruddin Angga Pradana Farhan Alif Wahyudi Farhana, Nur Zaidah Fathun Ni&#039;am Dwi Syahputra Fathun Ni'am Dwi Syahputra Fauziah, Novita Wahyu Febriati Sari Fikiruddin, Ahmad Firman Rizki Subakhtiar Fitri Ayu Lestari Fitri Hidayah, Ratna Gadis Ananda Galuh Nilam Kusuma Wardani Hadi Sunaryo Handika, Mellisa Fitri Dwi Haq, Moh. Izzul Hariri Hariri Hariri, Hariri Hariri, Hariri Harun Al Rasyid Harun Alrasyid Hidayah, Ratna Fitri Hidayati, Irma Ida Rosinta Ika Zahrotul Jannah Ikbal Hallan Ibrahim Indah Putri Indani Indara Handayani Indriyani, Devi Fajar Intan Kartikawati Ulfa Irawan, Mauladen Irma Hidayati Irma Hidayati Irsyad, Abdilah Ita Athia Jeni Susyanti Jihan Rambu Salsabila Jumrotul Hafifah Junaidi Junaidi Junaidi Junaidi Junaidi Junaidi Kapsir, Kapsir Karina Oktavia Khofifah Khofifah Kirana Yuri Aprilia Maharani Dewi Lailatul Mufidah Laksono, Heyin Krida Latifah Hanum Lavita Safitri Ramadhany Laylati Alifatul Mutmainah Lestari, Peni Dwi Lingga Aprilia Putri Yuana Lisa Mariantini Lutfiyah Lutfiyah Luthfiana, Nuria M. Afani Almaarif M. Agus Salim M. Bayu Rayhan M. Cholid Mawardi Maryani Sabtu Maslichah, Maslichah Maulana, Moh Irham Maulidah Faradina Meitria Syahadatina Noor Mellisa Fitri Dwi Handika Mifta Khairin Novi Miftakhul Ayu Anggraeni Mirza Febi Andriani Moch. Farid Afandi Moh Adieb Ainur Rohim Moh Farizan Thoriq Moh. Amin Mohamad Bastomi Mohammad Bukhori Mufarohah, Risma Muhamad Alam Subayin Muhammad Alifuddin Radinahdi Yamashida Muhammad Syahril Ramadhan Muhammad Ulul Azmi Musthofa Kamal Al Firdausi Nadya Danah Sabbita Nafa Risky Lestariwati Nafida Hilda Ramadhani Naharani, Vivin Nailiatul Virohiyyatun Ni’mah Nayong Azhaki Damayanti Nihaya Nazilatul Atiqoh Niken Widya Ningrum Nirwana, Lintang Fajar Noor Shodiq Askandar Normalasari Normalasari Novaya Eky Aidha Pravitasari Novia'atul Aullah Novita Wahyu Fauziah Nur Aidi Indana Nur Diana Nur Diana Nur Diana Nur Hasanah Nur Hidayah Nur Hidayati Nurfaidah Nurfaidah Nurfaindah Lestari Nurhajati , Nurhajati Nurhayati Nurhayati Nurhidayah Nurhidayah Nurhidayah Nurhidayatul Fitri Nuriyah Trisna Parawangsa Nuzumi, Aminah Panetep Bagus Samudra Peni Dwi Lestari Prasetyo, Aditya Dwi Putri Anggraini Putri Nabilah Putri, Selvia Sulaksana Andi Putri, Via Karina Qonita Rizka Baidowi Rachmadi, Andi Oktavian Ramadhani, Nafida Hilda Ramadhani, Nuraulia Rizky Ratieh Aldela Megaayu I Redy Arbiansyah Reynaldi Aziz Rifaldi, Mochammad Rifatul Waasiah Rintan Nurulita Arofi Risma Mufarohah Risna Cahya Wijayanti Riyadi, Nurman Rochana, Tiva Rohma, Nadia Nor Rr. Febriyanti Arya Kinasih Sadiyah, Chalimatu Sal Sabila, Asa Aisyi Salim, M. Agus Saputri, Olivia Nathasa Novy Sari, Nadia Amelia Pratiya Selva Fersa Sonia Setyantoro, Delly Isnatani Dalove Shafaratin Nurul Hasanah Shinta Puspitarini Siti Aminah Anwar Siti Asiyah Siti Asiyah Siti Jainab Lukfiatih Bugis Slamet Hariyadi Sri Wahyuningsih Sugiarto Abdullah Suharti Ningrum Sulton Sholehuddin, Sulton Susanti, Diva Dwi Syahrial Shaddiq Syamsiar, Syamsiar Teddy Briand Samudra Titian Khairat Tria Warsa Enggal Ulfa Kasanatul Munawaroh Umi Kalsum Bhubha Umi Nandiroh Veri Rahardian Via Karina Putri Via Krismawati Wahyuningtyas, Nanik Winda Armeinita Wulandari Wulandari, Wike Yosevin Riana Yuni Susanti Ziadatul Inshiroh Ziaratussausan B.P Zidni Karima Zukhruf Dinnisa'Ul Furqana