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All Journal ETIKONOMI Jurnal Keuangan dan Perbankan Trikonomika: Jurnal Ekonomi El Dinar Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) INFERENSI IQTISHADIA Journal of Accounting and Investment Al-Bayan: Jurnal Studi Al-Qur´an dan Tafsir Jurnal Ilmiah Ekonomi Islam AJIS : Academic Journal of Islamic Studies Economica: Jurnal Ekonomi Islam al-Uqud : Journal of Islamic Economics SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Al-Muzara'ah AKTSAR: Jurnal Akuntansi Syariah Majalah Ilmiah Bijak Dialog Review of Islamic Economics and Finance Bubungan Tinggi: Jurnal Pengabdian Masyarakat AT-TASYRI' Jurnal Ilmiah Prodi Muamalah Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Journal of Islamic Economics and Finance Studies JOURNAL of LEGAL RESEARCH Al-bank: Journal of Islamic Banking and Finance TAMWIL: Jurnal Ekonomi Islam LINGUISTIK TERAPAN Jurnal Indonesia Sosial Sains Moneter : Jurnal Keuangan dan Perbankan Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Indonesian Journal of Islamic Economic Law Al-bank: Journal of Islamic Banking and Finance
Euis Amalia
Universitas Islam Negeri Syarif Hidayatullah Jakarta
Religion Arts Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Environmental Science Immunology & microbiology Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Neuroscience Physics Social Sciences Other

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Islamic Personality Model as Psychometric Tool To Assess Creditworthiness of Micro Financing Hardiansyah Hardiansyah; Euis Amalia; Abdul Hamid
ETIKONOMI Vol 22, No 1 (2023)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v22i1.30370

Abstract

This study aims to develop an Islamic personality model as a psychometric tool to assess creditworthiness as an alternative predictive character analysis for micro businesses. The method designed to formulate the proposed model coded in R Studio uses two approaches. First, we modify Moslem Religiosity Personality Inventory and then frame a structural model based on Partial Least Square. Subsequently, we use the random forest technique to see the model's accuracy. The result shows a valid and reliable model and performs with 89.47 % accuracy with an Area Under Curve -Receiver Operating Characteristic of 90.06 %. This model implies a solution to strengthen the assessment of the character of creditworthiness of a potential micro-business and helps Islamic Financial Institutions to assess prospective micro-business to determine credit risk and pricing.JEL Classification: B41, D81, D87, G21, P43How to Cite:Hardiansyah., Amalia, E., & Hamid, A. (2023). Islamic Personality Model as Pychometric Tool To Access Creditworthiness of Micro Financing. Etikonomi, 22(1), 233–246. https://doi.org/10.15408/etk.v22i2.30370.
Pengolahan Kompos Sistem Bokashi dari Sampah Organik Limbah Dapur sebagai Upaya Peningkatan Kesehatan Masyarakat Mohammad Imam Sufiyanto; Ihwana As’ad; Euis Amalia; Mulono Aprianto; Wuri Ratna Hidayani
Bubungan Tinggi: Jurnal Pengabdian Masyarakat Vol 5, No 1 (2023)
Publisher : Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/btjpm.v5i1.7617

Abstract

Permasalahan serius di desa Bunder adalah belum terbentuknya pengolahan sampah organik. Pengabdian kepada Masyarakat (PkM) ini memiliki tujuan untuk mengatasi pengolahan sampah yang ditimbulkan oleh banyaknya sampah organik yang dibuang setiap harinya. Metode demonstrasi digunakan dalam pengolahan sampah organik menjadi kompos. Waktu pelaksanaan adalah 14 Juni-9 Juli 2021. Sasaran kegiatan ini ialah  masyarakat sekitar desa Bunder. Melalui kegiatan ini didapatkan beberapa kendala yang menghambat proses pengomposan, adanya belatung serta bau dari kompos yang dihasilkan namun menjelang pada minggu ke tiga bau dan belatung mulai hilang seiring terbentuknya kompos siap pakai. Kegiatan pengabdian berupa pengolahan dari sampah organik menjadi pupuk kompos yang telah dilakukan bisa menjadi satu pemecahan masalah dalam mengurangi sampah di lingkugan lingkup terkecil yaitu rumah. Oleh karena itu diperoleh simpulan bahwa pengolahan kompos menggunakan bokashi efektif dalam mengurai sampah organik sehingga akan mengurangi jumlah sampah organik di setiap rumah yang ada di Desa Bunder.A serious problem in Bunder village is that organic waste processing has not yet been established. This Community Service aims to overcome the processing of waste caused by the large amount of organic waste disposed of every day. The demonstration method is used in processing organic waste into compost. The implementation time is June 14-July 9, 2021. The target of this activity is the community around Bunder village. Through this activity, several obstacles were found that hindered the composting process, the presence of maggots and the smell of the compost produced but towards the third week, the smell and maggots began to disappear as ready-to-use compost was formed. Community service activities in the form of processing organic waste into compost that has been carried out can solve the problem of reducing waste in the smallest environment, namely the house. Therefore, it is concluded that composting using bokashi effectively breaks down organic waste to reduce the amount of organic waste in every house in Bunder Village. 
ANALISIS KOMPARATIF SYARIAH CARD PADA BANK SYARIAH DI INDONESIA DAN MALAYSIA Husni Shabri; Euis Amalia
Tamwil Vol 9, No 1 (2023)
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/jtm.v9i1.9724

Abstract

Tujuan penelitian adalah untuk membandingkan praktik kartu kredit syariah pada bank syariah yang ada di Indonesi dan Malaysia. Metode penelitian menggunakan metode kualitatif dengan pendekatan deskriptif komparatif. Data dikumpulkan dari referensi literatur ilmiah, buku dan laporan dari lembaga resmi melalui Systematic Literature Review. Hasil penenlitian menunjukan bahwa terdapat perbedaan produk syariah card pada bank syariah di Indonesia dan Malaysia ditinjau dari akad yang digunakan. Syariah card di Indonesia mengacu pada Fatwa DSN No.54 menggunakan akad kafalah, qard dan ijarah. Sedangkan syariah card di bank syariah Malaysia menggunakan akad Bay al inah, Wadiah, dan Qard al hasan. Masih ada perbedaan pandangan terhadap penggunaan akad pada syariah card baik di Indonesia maupun di Malaysia. Pengguna kartu kredit syariah saat ini masih sangat sedikit karena masih ada keraguan dalam penggunaan akad sehingga perlu alternatif lain dalam penggunaan akad pada kartu kredit syariah seperti akad musyarakah dan murabahah.
Does a Free Trade Agreement’s Impact on the Export of Halal Food to OIC Countries Matter? Evidence from Indonesia Masruri Muchtar; Hafid Asy’ari; Ahmad Rodoni; Euis Amalia; Muhamad Nadratuzzaman Hosen
ETIKONOMI Vol 23, No 1 (2024)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v23i1.32951

Abstract

Research Originality: The second-largest organisation after the UN, with a population of 24.4% worldwide, makes OIC countries a potential market. This paper contributes to the existing literature on trade within them by focusing on crucial aspects of the trade agreement's impact on the halal food industry.Research Objectives: This study examines the influence of a free trade agreement (FTA) on Indonesian halal food exports.Research Methods: Using panel data from 23 countries spanning the period from 2003 to 2019, the paper employs the gravity model to assess the impact of the FTA and other variables on Indonesian halal food exports to OIC countries.Empirical Results: The findings indicate that Indonesian food exports to OIC countries with FTAs experience a notable 68% increase compared to those without such agreements. The study reveals GDP, population size, trade openness, and exchange rate positively affect food exports to OIC countries. However, trading partners' distance and entry time exhibit a negative correlation.Implications: This research holds significance for the Indonesian government as it provides valuable insights for considering the acceleration of trade agreement ratification with OIC countries. JEL Classification: F13, F47, C68How to Cite:Muchtar, M., Hafid, A., Rodoni, A., Amalia, E., & Hosen, M. N. (2024). Does a Free Trade Agreement’s Impact on the Export of Halal Food to OIC Countries Matter? Evidence from Indonesia. Etikonomi, 23(1), 147 – 166. https://doi.org/10.15408/etk.v23i1.32951.
Islamic Personality Model as Psychometric Tool To Assess Creditworthiness of Micro Financing Hardiansyah Hardiansyah; Euis Amalia; Abdul Hamid
ETIKONOMI Vol 22, No 1 (2023)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v22i1.30370

Abstract

This study aims to develop an Islamic personality model as a psychometric tool to assess creditworthiness as an alternative predictive character analysis for micro businesses. The method designed to formulate the proposed model coded in R Studio uses two approaches. First, we modify Moslem Religiosity Personality Inventory and then frame a structural model based on Partial Least Square. Subsequently, we use the random forest technique to see the model's accuracy. The result shows a valid and reliable model and performs with 89.47 % accuracy with an Area Under Curve -Receiver Operating Characteristic of 90.06 %. This model implies a solution to strengthen the assessment of the character of creditworthiness of a potential micro-business and helps Islamic Financial Institutions to assess prospective micro-business to determine credit risk and pricing.JEL Classification: B41, D81, D87, G21, P43How to Cite:Hardiansyah., Amalia, E., & Hamid, A. (2023). Islamic Personality Model as Pychometric Tool To Access Creditworthiness of Micro Financing. Etikonomi, 22(1), 233–246. https://doi.org/10.15408/etk.v22i2.30370.
EVALUASI KEBIJAKAN SPIN OFF PADA INDUSTRI ASURANSI SYARIAH DI INDONESIA Cahyadi, Ady; Amalia, Euis; Amilin, Amilin
AKTSAR: Jurnal Akuntansi Syariah Vol 6, No 1 (2023)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/aktsar.v6i1.22384

Abstract

The purpose of this paper is to evaluate of spin off on islamic insurance in Indonesia. This research used data participant funds from the financial report from 22 sharia business unit consisting of 14 sharia life insurance and 8 sharia general insurance in 2015-2020 period. Data processed using autoregressive integrated moving average (ARIMA) with R-Studio tools analysis. The result shown no sharia insurance unit has been able to meet the criteria of spin off, the proportion of funds which are not able to achieve as much as 50% headquarter participant funds base on act number 40/2014 about insurance in Indonesia. The main steps that need to be taken by a sharia insurance business unit that wants to spin-off is to ensure that its financial condition is healthy and choose the right spin-off model. Meanwhile, regulators need to evaluate the spin-off criteria. It is hoped that the aim of the spin off to encourage the development of the sharia insurance industry can be achieved and not become a burden.
Sharia governance and corporate social responsibility as instruments to achieve asean food vision 2025 Katamsi, Etom; Afif, Ahmad; Sabbahatun, Sri; Amalia, Euis; Mufraini, M. Arief; Hasan, Asyari
al-Uqud : Journal of Islamic Economics Vol. 8 No. 1 (2024): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/aluqud.v8n1.p56-66

Abstract

This study aims to identify strategies to achieve the ASEAN 2025 vision in the agriculture sector using sharia governance and Corporate Social Responsibility (CSR) schemes. Therefore, this research will use a mixed method for data analysis. The sample is from Islamic banking in Indonesia, Malaysia, and Singapore. In addition, the dependent variable is taken from ASEAN agriculture statistics for 2018-2022. The results have explained that CSR indicators from the Islamic Social Reporting theory in the agriculture sector are widely developed in Indonesia. It is also supported by Law No. 4 of 2023 on P2SK in formulating changes in the role of sharia governance and CSR. In addition, financial, product, employee, community, and environmental indicators need to be further improved by Islamic banking through additional distribution in financing and investment in the agriculture sector. There are several policy recommendations for all ASEAN stakeholders and Islamic banking. ASEAN countries need to focus their economic vision on the agriculture sector. In addition, Islamic banking in ASEAN countries can implement sharia governance and CSR schemes in corporate governance and economic policies. Therefore, it must also be supported by good governance in the Sharia governance scheme.
SHARIA MICROFINANCE MODELS: A GRAMEEN BANK APPROACH FOR SUSTAINABLE CONSTRUCTION AND WELFARE ENHANCEMENT Terminanto, Ade Ananto; Hamid, Abdul; Amalia, Euis
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 12, No 1 (2024): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v12i1.23722

Abstract

This research aims to build a model for strengthening Sharia microfinance through an adapted Grameen Bank replica based on the pillars of leadership, collaboration, spirituality, and women's freedom. This research used a quantitative method to analyze a Grameen Bank replica or build a model for strengthening Sharia microfinance. It provides an early description of the model's independent and dependent variables using Path Investigation and Structural Equation Modeling (SEM). Data were gathered through participatory observation methods, interview techniques, and the distribution of SEM questionnaires to MFI managers and beneficiary customers. The findings indicate a link between the influence of the Grameen Bank-based Islamic Microfinance Institution system on partners in terms of leadership, cooperation, economy, community, and spirituality, as well as alternative strategies for strengthening Grameen Bank-based MFIs in improving the welfare of women's microbusiness groups. This research encourages more attention and implementation of Islamic microfinance models in an effort to improve social and economic welfare, especially among vulnerable groups such as women micro-entrepreneurs.
Is the hybrid method more adequate for measuring operational risk? Farsiah, Lena; Amalia, Euis; Saharuddin, Desmadi; Lukman, Lukman
Journal of Accounting and Investment Vol 25, No 1: January 2024
Publisher : Universitas Muhammadiyah Yogyakarta, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jai.v25i1.20660

Abstract

Research aims: Risk management in financial institutions struggles with setting suitable capital charges for operational losses, resulting in large, disproportionate reserves that impact profits. This study, therefore, aims to develop a tailored operational risk measurement model for general takaful companies, addressing this challenge and optimizing capital allocation.Design/Methodology/Approach: This study employed a hybrid approach, merging the loss distribution approach (LDA) with historical data and scenario analysis for insurance company loss events. Compiling data into distributions, it utilized Monte Carlo simulations to determine value at risk (VaR). The resulting VaR guided the calculation of operational risk capital charges for future periods.Research findings: Measurement using the hybrid method could produce more adequate operational risk capital charges. These results confirm the acceptability of the VaR calculation and have been validated by the Kupic test.Theoretical contribution/Originality: This research offers a more comprehensive alternative method of measuring operational risk by combining historical company data with expert opinions, making it more likely to be practiced in the industry.Practitioner/Policy implication: The results of this study put forward an alternative, more suitable model for industry and regulators to measure operational risk management in general takaful companies.
ANALISIS TERHADAP PEMBAHARUAN HUKUM UMKM DI INDONESIA Putra, Reza Hendra; Amalia, Euis; Fatah, Dede Abdul; Putra, Rahmad Syah
AT-TASYRI': JURNAL ILMIAH PRODI MUAMALAH Vol. 14 No. 1 (2022): At-Tasyri': Jurnal Ilmiah Prodi Muamalah
Publisher : Prodi Hukum Ekonomi Syariah STAIN Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/tasyri.v14i1.848

Abstract

Di Indonesia, UMKM merupakan salah satu sektor penting untuk menopang ekonomi suatu Negara, dan upaya mendukung UMKM tersebut agar tumbuh dengan baik, Pemerintah telah mengeluarkan pula berbagai kebijakan dan regulasi menjamin kepastian hukum untuk pelaku UMKN di Indonesia. Namun, seiring waktu terjadi pula pembaharuan hukum UMKM dalam bentuk penyesuaian terhadap Undang-Undang dan Peraturan Pemerintah sebagai bentuk dukungan kepada pelaku UMKN di Indonesia. Tujuan dari penulisan ini yaitu untuk mengetahui perlindungan hukum bagi Usaha Mikro, Kecil dan Menengah (UMKM),. Adapun dalam penulisan artikel ini menggunakan pendekatan kualitatif dengan teknik pengumpulan data yaitu library research berupa berbagai dokumen perundang-Undangan, buku, jurnal ilmiah dan berbagai data kebijakan hukum lainnya. Sedangkan analisis data dilakukan menggunakan analisis isi dengan metode penelitian hukum normatif dan pendekatan perundang-undangan, dengan tahap analisis meliputi; reduksi, pengorganisasi, penyajian, verifikasi dan penarikan kesimpulan. Berdasarkan hasil analisis diperoleh hasil bahwa sangat diperlukan ada sebuah regulasi yang mendukung kemajuan dalam sektor UMKM, Perlindungan Hukum Nasional terhadap UMKM diatur secara khusus dengan Undang-Undang Nomor 20 Tahun 2008 Tentang Usaha Mikro, Kecil, dan Menengah, Undang-Undang Nomor 11 Tahun 2020 tentang Cipta Kerja, dan Peraturan Pemerintah Nomor 7 Tahun 2021 tentang Kemudahan, Pelindungan, dan Pemberdayaan Koperasi dan Usaha Kecil, Mikro, Kecil dan Menengah, hanya saja dari berbagai regulasi tersebut dalam Perlindungan hukum yang ada belum dapat memberikan perlindungan yang maksimal dan untuk mewujudkan perlindungan hukum yang ideal diperlukan sebuah hukum yang kondusif untuk pembangunan ekonomi yang memenuhi 5 syarat yaitu stable, predictable, fair, educative, dan transparent.
Co-Authors Abd. Hamid Abdul Hamid Abdul Hamid Ade Sopyan Mulazid Ady Cahyadi, Ady Ahmad Afif Ahmad Rodoni Ali, Nuruddin Muhammad Amilin Amilin, Amilin Anni Holila Pulungan Apriyanto, Mulono ASEP DADAN SUGANDA Asyari Hasan, Asyari Baharuddin, Didin Dede Abdul Fatah Deni Lubis Desmadi Saharuddin, Desmadi Dwi Yunanto, Dwi Enayatullah, Imam Haroki Farid Muttaqin, Farid Farsiah, Lena Hafid Asy’ari Hamdani Anwar Haniatunnisa, Siti Hardiansyah HUSNI SHABRI Ihwana As’ad Iiz Izmuddin Indra Rahmatullah, Indra Irianti, Dwi Katamsi, Etom M. Arief Mufraini M. Arskal Salim M. Arskal Salim M. Cholil Nafis Mahmudah Atiqah Mahmudah Atiqah Mohamad Abdun Nasir Mohammad Nur Rianto Al Arif Muchtar, Masruri Mufraini, M. Arief Muhamad Nadratuzzaman Hosen Muhammad Maksum Muhammad Yasser Kahfie Musa, Eltom Ishaq Osman Nadratuzzaman, Muh. Nur Hidayah Nur Hidayah Nur Rohim Nuruddin Muhammad Ali PUJIONO Puspita, Desy Putra, Reza Hendra Rahmad . Husein Rahmad Syah Putra Rakhmadi, Rezki Syahri Refky Fielnanda Rezki Syahri Rakhmadi RINI RINI Sabbahatun, Sri Sri Juminawati Sufiyanto, Mohammad Imam Sulistiawati, Nila Terminanto, Ade Ananto Trimulato Trimulato Wahyudi, Ickhsanto Wiwik Handayani Wuri Ratna Hidayani