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All Journal Among Makarti REPERTORIUM Jurnal Ilmiah Ekonomi Islam NISBAH: JURNAL PERBANKAN SYARIAH Walisongo Law Review (Walrev) Etihad: Journal of Islamic Banking and Finance Abdi Makarti Mutanaqishah: Journal of Islamic Banking INASJIF An-Nisbah: Jurnal Ekonomi Syariah Journal of Finance and Islamic Banking
Alvin Yahya
Universitas Islam Negeri Raden Mas Said Surakarta
Religion Humanities Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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PENGUATAN LITERASI EKONOMI KOMUNITAS MELALUI KOPERASI LOKAL PADA MASYARAKAT KALITAN KOTA SURAKARTA Yahya, Alvin; Nurohman, Yulfan Arif; Kusuma, Melia; Astuti, Yuni
ABDI MAKARTI Vol 4, No 2 (2025): ABDI MAKARTI
Publisher : Sekolah Tinggi Ilmu Ekonomi AMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52353/abdimakarti.v4i2.895

Abstract

Low levels of financial literacy are a problem in managing business finances and utilizing cooperatives to promote economic independence in urban communities. This community service program aims to improve economic literacy and financial behavior in the Kalitan community, Surakarta City, through a structured, participatory training model involving local cooperatives as strategic partners. The program is divided into three main stages: case study-based economic literacy training, business financial management simulations, and technical guidance on using cooperative services. This program significantly improved participants' understanding of financial planning, economic decision-making, and the role of cooperatives in supporting micro-enterprises. Furthermore, this activity also encouraged changes in financial behavior toward more rationality and strengthened trust in community financial institutions. This program serves as an effective model for inclusive economic learning, particularly in urban areas with existing limitations. The program's results demonstrate the important role of cooperatives as agents of community-based economic education and empowerment. The program's novelty combines an experiential learning approach with institutional strengthening of cooperatives within a grassroots economic empowerment framework, a concept rarely explored in Indonesian community service literature
Integration of Pancasila Values in Economic Legal engineering for National Development Yahya, Alvin; Auliaurahman; Fadlulloh, Qolbi Hanif; Nurdin, Nazar; Imanullah, Moch Najib
Walisongo Law Review (Walrev) Vol. 6 No. 1 (2024)
Publisher : Universitas Islam Negeri Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/walrev.2024.6.1.22259

Abstract

This article explores the philosophical and constitutional foundations that form the basis for the development of economic law in Indonesia. As is known, Indonesian legal problems such as economic inequality, corruption, legal uncertainty, and complicated bureaucracy make it difficult for the Indonesian economy to develop. Laws that should have been engineered for development capital did not go according to plan. This article uses normative legal methods on legislative systematics. The approach in the paper uses a combination of legislative, philosophical and constitutional approaches. The research results show that the philosophical foundations of economic law in Indonesia are based on Pancasila, which functions to create stability, support development, uphold justice, and increase legal literacy. Economic law plays an important role in national development with the principles of faith, benefits, Pancasila democracy and social justice. The Indonesian Constitution emphasizes the principles of kinship and social justice in economic policy, although it is still challenged by capitalistic and socialistic tendencies. This is why it is important to integrate Pancasila values ​​to achieve sustainable and just development in Indonesia. Artikel ini mengeksplorasi dasar-dasar filosofis dan konstitusional yang menjadi dasar pengembangan hukum ekonomi di Indonesia. Seperti diketahui persoalan hukum Indonesia seperti ketimpangan ekonomi, korupsi, ketidakpastian hukum, hingga birokrasi berbelit membuat ekonomi Indonesia sulit berkembang. Hukum yang semestinya direkayasa untuk modal pembangunan tidak berjalan sesuai rencana. Adapun penelitian ini menggunakan metode hukum normatif pada sistematika perundang-undangan. Pendekatan dalam artikel menggunakan gabungan pendekatan perundang-undangan, filsafat dan konstitusional. Hasil penelitian menunjukkan bahwa dasar-dasar filosofis hukum ekonomi di Indonesia yang berlandaskan Pancasila, yang berfungsi untuk menciptakan stabilitas, mendukung pembangunan, menegakkan keadilan, dan meningkatkan literasi hukum. Hukum ekonomi berperan penting dalam pembangunan nasional dengan prinsip-prinsip keimanan, manfaat, demokrasi Pancasila, dan keadilan sosial. Konstitusi Indonesia menekankan prinsip kekeluargaan dan keadilan sosial dalam kebijakan ekonomi, meskipun masih tantangan dari kecenderungan paham kapitalistik dan sosialistik. Dari sini penting adanya integrasi nilai-nilai Pancasila untuk mencapai pembangunan berkelanjutan dan berkeadilan di Indonesia
Akses Perbankan Syariah bagi Pengusaha Batik Muslim di Solo Raya Usnan, Usnan; Pramesti, Wahyu; Yahya, Alvin
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.12574

Abstract

The aim of this research was to analyze how banking access for Muslim batik entrepreneurs in Solo Raya. This research was conducted in 2020 at 16 Muslim Batik entrepreneurs in Solo Raya, using qualitative methods, and data collection was carried out through interviews, observation and documentation techniques. The results of the study show that the access of Muslim batik entrepreneurs to Islamic Banking is still not optimal. This is due in part to several things, namely: (a) the distance of Islamic Banks to the location of the batik business, (b) prices are still higher at Islamic Banks, (c) the financing process at Islamic Banks is considered more difficult and more complicated, and (d) there is still a lack of education and outreach by Islamic Banks to the public, especially batik business actors in Solo Raya. Keywords : Banking Access, Muslim Batik Entrepreneurs.
The Influence Of Third Party Funds (Dpk),  Cost Of Funds (Cof), And Liquidity On Profitability In Indonesian Islamic Banks (BSI) In 2021 - 2024 Yumna, Talitha Dwi; Alvin Yahya
An-Nisbah: Jurnal Ekonomi Syariah Vol. 11 No. 2 (2024): October (2024)
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v4i22.9947

Abstract

Third party funds are a source of funds for the bank in channeling it back to the community in the form of loans or financing, third party funds collected by the bank will return to the community with a difference in the ratio / profit sharing and / or margin in accordance with the agreed agreement, giving rise to Cost of Fund for the bank against these third party funds. Apart from that, the third party funds can be taken at any time by the customer in accordance with the deposit product so that the bank is obliged to maintain and guarantee financial liquidity both in the long, medium and short term. Bank as an industry also focuses on profitability so that one of its goals is to generate profits or profits. In this research process, researchers carry out a balance sheet study focus to see the level of value of each variable including third party funds, cost of funds and liquidity. The mechanism used regarding this research uses samples from the financial statements of Bank Syariah Indonesia with financial reports presented monthly from 2021-2024. The analysis test is used to be able to see how much influence on each variable by using descriptive testing, classical assumptions, and multiple linear regression. The results of the tests that have been carried out present data that Third Party Funds (DPK), Cost Of Fund (COF), have positive significant results on Profitability. While the results of the liquidity variable proxied by the current ratio are not positively significant to profitability at Bank Syariah Indonesia (BSI) with the period 2021-2024.
Analysis of the Potential and Implementation of Risk Management in Sharia Financing for Shallot Farmers in Brebes Regency M Fauzan Ali Muzaki; Alvin Yahya
Mutanaqishah: Journal of Islamic Banking Vol. 6 No. 1 (2026): January - June
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v6i1.3488

Abstract

Purpose – This study aims to analyze the potential of Islamic financing in the shallot farming sector in Brebes Regency, including the financing mechanisms and analysis applied, as well as the implementation of risk management by Islamic banks in distributing financing to shallot farmers. Methodology – This study uses a qualitative method with a descriptive-exploratory approach to understand the phenomenon as it naturally emerges from informants. Data collection was conducted through semi-structured interviews with relevant parties, including the head of the shallot farmer group in Rengaspendawa village, the marketing department of Bank Syariah Indonesia KCP A Yani 1 Brebes, and the Mantri Tani (farmer advisor) at the Rengaspendawa village, Larangan Subdistrict Agricultural Extension Center. Findings – This study shows that sharia financing has significant potential to support shallot farming in Brebes Regency due to the high capital requirements and the business feasibility. The financing mechanism applies the 5C principle with an emphasis on character and cash flow analysis, while risk management is carried out preventively, mitigatively, and through continuous monitoring. This approach is effective in minimizing financing risk and supporting the sustainability of farmers' businesses. Implications– The results of this study emphasize the importance of developing Islamic financing schemes that are adaptive to seasonal patterns and agricultural risks in Brebes Regency, through strengthening risk management and collaboration between Islamic banks, farmers, and local governments to support sustainable access to capital. Originality– This study contributes to the literature by empirically analyzing the integration of sharia financing and risk management in the shallot farming sector in Brebes Regency, emphasizing the seasonal and high-risk characteristics of farming businesses.
MENINGKATKAN LITERASI KEUANGAN DAN INVESTASI DIGITAL KALANGAN PEMILIK UMKM DI KABUPATEN SUKOHARJO Prastiwi, Septi Kurnia; Astuti, Yuni; Ardiansyah, Mufti Arief; Nurohman, Yulfan Arif; Yahya, Alvin; Mahirta, Irna; Budiharto, Muhammad Akbar Dwi; Anjelisa, Ayun
ABDI MAKARTI Vol 5, No 1 (2026): ABDI MAKARTI
Publisher : Sekolah Tinggi Ilmu Ekonomi AMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52353/abdimakarti.v5i1.967

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in the Indonesian economy, yet they often face challenges related to financial literacy and limited access to sustainable financial strategies. This community service program aims to improve digital investment literacy and strengthen investment intentions among MSME owners through a structured training and mentoring approach. The program involved MSMEs under the auspices of BMT Mazaya and was implemented using a participatory empowerment method that integrated educational sessions, interactive discussions, practical simulations, and behavioral reinforcement based on the Theory of Planned Behavior. The results showed that the program effectively improved participants' understanding of digital investment concepts and increased their interest in engaging in formal financial instruments. This intervention also contributed to strengthening participants' attitudes, perceived behavioral control, and subjective norms toward investment activities. Specifically, participants demonstrated greater awareness and confidence in exploring stock investment opportunities on the Indonesia Stock Exchange. Furthermore, the integration of mentoring as a follow-up strategy played a key role in bridging the gap between financial knowledge and actual behavioral intentions. These findings highlight that literacy programs combined with ongoing support are more effective in promoting sustainable financial behavior among MSMEs. Overall, this program contributes to improving financial resilience and supporting the long-term sustainability of MSMEs by increasing investment literacy
Co-Authors Andre Armanto Anjelisa, Ayun Apriliyani, Lisa Ardiansyah, Mufti Arief Auliaurahman Budiharto, Muhammad Akbar Dwi Fadlulloh, Qolbi Hanif Helti Nur Aisyiah M Fauzan Ali Muzaki Mahirta, Irna Melia Kusuma Moch Najib Imanullah Nazar Nurdin Rina Sari Qurniawati, Rina Sari Rudiatna, Talitha Dwi Yumna Septi Kurnia Prastiwi Usnan Wahyu Pramesti Yulfan Arif Nurohman Yumna, Talitha Dwi Yuni Astuti