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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah At-Tawassuth: Jurnal Ekonomi Islam FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Pena Justisia: Media Komunikasi dan Kajian Hukum Jurnal EK dan BI Akrab Juara : Jurnal Ilmu-ilmu Sosial Al-Sharf: Jurnal Ekonomi Islam Jurnal Pengabdian kepada Masyarakat JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Jurnal Ekonomi Syariah Pelita Bangsa Jurnal Ekonomi dan Manajemen Indonesia Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi (JEMBA) Mumtaz : Jurnal Ekonomi dan Bisnis Islam Populer: Jurnal Penelitian Mahasiswa International Journal of Economics (IJEC) Sammajiva: Jurnal Penelitian Bisnis dan Manajemen Jurnal Mahasiswa Kreatif Lokawati: Jurnal Penelitian Manajemen dan Inovasi Riset IIJSE Journal of Islamic Economics and Finance Nusantara Journal Of Management Business (NUMABI) Brilliant International Journal of Management and Tourism
sri sudiarti
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Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Chemistry 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 Library & Information Science Medicine & Pharmacology Public Health Social Sciences Other

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Strategi Peningkatan Penyaluran Pembiayaan Mudharabah pada Bank Syariah di Indonesia Hakim Sitompul, Muhammad; Sri Sudiarti; Marliyah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 4 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i4.23194

Abstract

Pembiayaan mudharabah menunjukkan tren pertumbuhan yang signifikan pada Desember 2023, meningkat sebesar 18,08% dibandingkan dengan tahun sebelumnya. Meski demikian, persentase pembiayaan mudharabah hanya 2,16% dari total pembiayaan, jauh di bawah pembiayaan murabahah dan musyarakah yang mendominasi. Mudharabah, sebagai salah satu produk unggulan perbankan syariah, bertujuan untuk kerjasama berbasis bagi hasil antara pemilik modal dan pengelola usaha. Namun, penyalurannya masih minim di Indonesia akibat risiko tinggi, kurangnya pemahaman nasabah, dan kendala operasional. Penelitian ini bertujuan mengidentifikasi strategi yang dapat meningkatkan penyaluran pembiayaan mudharabah di bank syariah Indonesia. Pembiayaan ini berperan penting dalam menggerakkan ekonomi mikro dan UMKM. Namun, implementasinya menghadapi tantangan transparansi dan risiko nasabah. Metodologi penelitian meliputi pengumpulan data primer melalui wawancara dan data sekunder dari laporan statistik perbankan syariah, serta analisis data kualitatif menggunakan metode tematik. Temuan penelitian menunjukkan bahwa faktor internal seperti kurangnya kemampuan petugas bank dalam menganalisa usaha nasabah dan sulitnya pemantauan usaha menjadi hambatan utama. Eksternal, nasabah sering kali tidak jujur dalam laporan keuangan dan regulasi yang ketat dari OJK juga menambah tantangan. Strategi efektif meliputi pelatihan berkala untuk petugas bank, penggunaan teknologi untuk pemantauan, dan kerjasama dengan lembaga keuangan lainnya seperti koperasi syariah. Kesimpulannya, pembiayaan mudharabah memiliki potensi besar namun memerlukan strategi yang tepat untuk mengatasi tantangan dan risiko yang ada.
Identifikasi Kasus Wanprestasi dalam Kontrak Kafalah Irawan, Harry; Sri Sudiarti; Marliyah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 4 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.23344

Abstract

Penelitian ini mengidentifikasi dan menganalisis kasus wanprestasi dalam ekonomi, khususnya dalam kontrak kafalah. Metode penelitian dengan pendekatan kualitatif deskriptif. Pengumpulan data melalui observasi, melalui sumber dokumen atau media massa. Temuan menunjukkan bahwa wanprestasi sering terjadi dalam berbagai situasi, termasuk di sektor fintech peer-to-peer lending dan ekonomi syariah. Faktor penyebab wanprestasi meliputi kegagalan ekonomi, kurangnya literasi keuangan, risiko bisnis, dan kelalaian atau pelanggaran oleh pihak yang dijamin. Dampak wanprestasi mencakup kerugian finansial signifikan, rusaknya kepercayaan, konsekuensi hukum, dan kerugian immaterial seperti stres dan ketidakpastian. OJK berperan penting dalam mengawasi dan memastikan kepatuhan terhadap peraturan, serta melindungi konsumen dan pelaku usaha jasa keuangan dari risiko wanprestasi. Upaya pengawasan dan mitigasi yang dilakukan OJK, termasuk melalui POJK Nomor 22 Tahun 2023, bertujuan untuk menjaga stabilitas dan integritas sektor jasa keuangan di Indonesia. Penelitian ini menekankan pentingnya penilaian risiko yang ketat dan edukasi keuangan untuk meminimalkan risiko wanprestasi dalam kontrak kafalah.
Stability Analysis of the Dinar Dirham as an Alternative Currency for the Islamic World Sri Sudiarti; Wahyu Syarvina
International Journal of Economics (IJEC) Vol. 1 No. 1 (2022): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v1i1.372

Abstract

The dinar and dirham can last decades to become a formidable medium of exchange, as gold and silver have the highest suitability as money rather than commodities. However, some people believe there are alternative currencies besides gold and silver. Starting to implement and use the dinar and dirham currencies is part of muamalah activities. The wheel of Islamic economics is driven by the dinar and dirham cycle, where a currency is used as a medium of exchange, storage, or fair value of wealth. This will lead to the prosperity of humanity. This study aims to find out evidence of the stability of the dinar and dirham values by using qualitative research methods which are methods of understanding and extracting meaning from what happens to various individuals or groups, originating from humanitarian or social problems. Sources of data obtained from textbooks, journals, manuscripts, etc., and sources obtained from trusted websites. The dinar and dirham currencies are alternatives that can be used as a medium of exchange in the current economy so that the period of socialization and education for the community must be in collaboration with other factors in various elements of society, the world of education, and most importantly the policies made by the government are in line with in tune with the principles of Islamic economics in various aspects of life.
Strategi Pengembangan Sumber Daya Manusia (SDM) Baitul Mal Wat Tamwil di Sumatera Utara Rina Fitriani; Sri Sudiarti; Fauzi Arif Lubis
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.9475

Abstract

This study aims to determine the current state of the internal and external environment of BMT human resources in North Sumatra to determine the baitul mal wat tamwi human resource development strategy in North Sumatra. This type of research uses a qualitative approach using a SWOT analysis. This research was conducted directly at BMTs in North Sumatra, namely BMT Masyarakat Madani, BMT Raudhah, and BMT Al-Musabbihin. The research time started in June 2022, and it is finished. The researchers obtained it from the company and managers in the company, including managers and administrators in the two BMTs. The research object in question is the Human Resources (HR) development strategy for BMT Civil Society, BMT Raudhah BMT Al-Musabbihin, and its influence on the resilience of BMT and its impact on the welfare of MSMEs. The primary data source in this thesis is taken from answers to questionnaires distributed to respondents through direct interviews with the subject of the BMT management or those in charge of the BMT institution.Data obtained from other sources, researchers also include secondary data as a reinforcement of arguments, both from various literature such as previous research journals, both national and international, books, statistical data, and so on. After being seen from the internal environment, the study results stated that the BMT Human Resource Development Strategy in North Sumatra consisted of strengths, namely clear legal aspects of BMT and good relations between employees. At the same time, the weaknesses consist of human resources who tend not to be graduates of Islamic economics, family management, and human resource capabilities and competencies that still need them. Not active in the BMT forum/organization. When viewed from the external environment, it consists of opportunities, namely Linkage with Islamic Banks. At the same time, the threats are the lack of government support, minimal financial support, and the issue of the industrial revolution 5.0. A microfinance institution emerged. Furthermore, based on the results of the SWOT matrix analysis, after processing the IFE and EFE matrices, the resulting strategy quadrant is in quadrant 1, namely the progressive strategy. The approach used to develop BMT human resources in North Sumatra is the BMT SO Strategy will continue to make clear legality as a reinforcement for the establishment of BMT, continue to establish good relations between employees and take advantage of BMT links with Islamic Banks. As a strategy analysis from the author for BMT to utilize digitalization of BMT in promoting the presence of BMT or other social media.
The Role of Islamic Law in Increasing Public Understanding of Islamic Values in Sharia Banks munawaroh; Nurhayati; Sri Sudiarti
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 23 No. 2 (2024): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v23i2.6176

Abstract

Understanding Islamic law is something that is often seen in implementing an existing contract in Islamic banks or Islamic financial institutions. But currently, many people do not understand this matter. Therefore, from these problems, the researcher wanted to test the variables of Islamic Law Understanding (X1), Islamic Economic Literacy (X2) and Religisutas (X3) on the Understanding of Islamic Values in Sharia Banks (Y). This study uses a quantitative approach with the SmartPLS analysis tool. The results of the study found that there was an influence of the variable Literacy of Islamic law understanding (X1) had a significant effect on the understanding of Islamic Values in Sharia Banks (Y) by 44.10%. Then Islamic economic literacy (X2) has a significant effect on the Understanding of Islamic Values in Sharia Banks (Y) by 27.47%, and lastly there is no influence of Religiosity (X3) on the Understanding of Islamic Values in Sharia Banks (Y).
Pengaruh Kompensasi Non-Finansial dan Kesejahteraan Guru terhadap Motivasi Mengajar Guru di Smp Islam Manbaul Ulum Jamanis Isna Zulfa Amanillah; Sri Sudiarti
Sammajiva: Jurnal Penelitian Bisnis dan Manajemen Vol. 4 No. 2 (2026): Juni:SAMMAJIVA: Jurnal Penelitian Bisnis dan Manajemen
Publisher : Institut Nalanda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47861/sammajiva.v4i2.2263

Abstract

This empirical study is driven by the identified issue of suboptimal teaching motivation among educators at SMP Islam Manba'ul Ulum Jamanis, as evidenced by a preliminary survey score of 1.9. This unfavorable condition is presumably tied to less-than-ideal non-monetary appreciation and insufficient teacher welfare within the institution. This research is designed to explore and analyze both the isolated and simultaneous impacts of Non-Financial Compensation and Teacher Welfare on Teacher Teaching Motivation. Employing a quantitative design, this study adopts descriptive and verificative approaches. The research encompasses the entire teaching staff, totaling 30 educators, utilizing a saturated sampling (census) technique to achieve comprehensive data representation. Data processing was conducted via multiple linear regression analysis facilitated by SPSS 26 software. The empirical findings reveal that, both partially and simultaneously, Non-Financial Compensation and Teacher Welfare exert a positive and statistically significant influence on Teacher Teaching Motivation. Collectively, these two independent variables explain 41.4% of the variance in teaching motivation, while the remaining 58.6% is attributable to external determinants outside the scope of this analytical model.
PENGARUH PENDAPATAN ORANG TUA DAN LITERASI KEUANGAN TERHADAP PERILAKU MANAJEMEN KEUANGAN SANTRI DI PONDOK PESANTREN MUROTALUL QUR’AN NURUL HUDA TASIKMALAYA Ariska Meilinda; Heidi Siddiqa; Sri Sudiarti
JEMI is managed and published by the Management Study Program, Faculty of Economics and Business, Kutai Kartanegara University. Institutional legality is reflected in the ISSN number: 1411-9560 published by LIPI in 2003 as a manifestation of the comm Vol 25 No 2 (2025)
Publisher : FAKULTAS EKONOMI DAN BISNIS UNIKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53640/z45d3998

Abstract

This study examines the effect of parental income and financial literacy on the financial management behavior of students (santri) at the Murotalul Qur’an Nurul Huda Islamic Boarding School in Tasikmalaya. The research was motivated by unstable saving behavior among students, indicating inconsistent financial management. Using a quantitative explanatory approach, data were collected from 145 respondents through questionnaires and analyzed using multiple linear regression. The results show that both parental income and financial literacy significantly influence students’ financial management behavior, with an R² value of 0.64. Financial literacy is the dominant factor, meaning students with higher financial knowledge tend to plan, save, and manage their spending better. Parental income supports financial stability but is not the sole determinant of behavior. The study concludes that financial education integrated with Islamic values is essential to build responsible and sustainable financial habits among students.
Co-Authors ABD. Hadi Saputra Pulungan Abdul Latip Ahmad Bayu Nugroho Antonio, Ferdi Arifah Nasution Arifin Fauzi Lubis Ariska Meilinda Arpizal Arpizal Asmaul Husna Aufia Zahra Fadillah Betty Rahayu Doni Dwi Vita Lestari Soehardi Egi Regi Prayoga Fitriansyah, Fitriansyah G. Gunawan Hakim Sitompul, Muhammad Harahap, Muhammad Ikhsan Heidi Siddiqa Hijja Mardhiya Nasution Hilmiatus Sahla Hilyati Inayah Iin Prasetyo Intan Ruhama Irawan, Harry Isna Zulfa Amanillah Isnaini Harahap Julfan Saputra Laila Fitri Lubis, Ismul Fakhri M FAUZAN Marliyah Marliyah Mawaddah Irham Munawaroh Nadia Ulfa NUR AHMADI BI RAHMANI Nur Fadhilah Ahmad Hasibuan Nurhayati Nuri Aslami Nursantri Yanti Nurul Hasanah Lubis Nurul Inayah Padilla Hawanda Rina Fitriani Rizkan Polem, T. Saidah Khairiyah Hasibuan Tambunan, Khairina Tuti Anggraini Wahyu Syarvina Yusuf Yusuf