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All Journal El Dinar Jurnal Ekonomi Syariah Teori dan Terapan Jurnal Pengabdian Kepada Masyarakat (Indonesian Journal of Community Engagement) Hayula: Indonesian Journal of Multidisciplinary Islamic Studies Perisai : Islamic Banking and Finance Journal al-Uqud : Journal of Islamic Economics Al Huquq : Journal of Indonesian Islamic Economic Law Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah Indonesian Journal of Cultural and Community Development Indonesian Journal of Law and Economics Review Islamiconomic: Jurnal Ekonomi Islam Perbanas Journal of Islamic Economics and Business Journal of Social Comunity Services Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Amaluna: Jurnal Pengabdian Masyarakat
Ninda Ardiani
Universitas Muhammadiyah Sidoarjo
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Improving The Capacity Of Managers Of Productive Wakaf Business Units Through Digital Marketing Training And Use Of Smart Cashier Applications Ardiani, Ninda; M Ruslianor M; Satrio Sudarso
Amaluna: Jurnal Pengabdian Masyarakat Vol. 3 No. 2 (2024)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/amaluna.v3i2.4401

Abstract

Productive waqf own potential big in empowerment social and economic society, especially if managed optimally. Article This discuss implementation of community service programs society that aims increase capacity business unit manager endowment productive through training digital marketing and use Smart Cashier Application. Training covers management business based on POAC, digital marketing strategies, and utilization technology for efficiency operational. The results show existence improvement skills digital management and marketing, improvement turnover sales, as well as efficiency more operational​ Good through recording more transactions​ accurate. In addition, product branding is also strengthened for increase Power competitive in the market. This program succeed empowering manager business as well as create opportunity economy new for public around.
Pendanaan Alternatif Berbasis Wakaf Produktif Persepektif Maqashid Syariah: Solusi Keuangan Berkelanjutan untuk Perguruan Tinggi Ardiani, Ninda; Mafula, Faricha; Nur Latifah, Fitri; Suwito, Jasmine Aura Salsabilla; Noer Putri Alisya Setiawati
Al-Huquq: Journal of Indonesian Islamic Economic Law Vol. 7 No. 1 (2025)
Publisher : Fakultas Syariah IAIN madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/alhuquq.v7i1.19229

Abstract

Penelitian ini bertujuan untuk merancang model pengembangan wakaf produktif guna memperkuat pendanaan pendidikan sebagai solusi alternatif yang berkelanjutan untuk membantu pendanaan pendidikan di tingkat perguruan tinggi. Data penelitian dikumpulkan melalui kuesioner dan wawancara mendalam dengan responden yang memiliki pemahaman mendalam tentang wakaf dan dunia pendidikan, baik dari kalangan akademisi maupun praktisi. Metode Analytic Network Process digunakan untuk mengidentifikasi kriteria prioritas yang mempengaruhi keberhasilan pengelolaan wakaf produktif, dengan fokus pada dimensi sosial, ekonomi, dan kelembagaan. Hasil Penelitian menunjukkan bahwa pengembangan model wakaf produktif untuk pendanaan pendidikan tinggi dipengaruhi oleh elemen-elemen yang saling terkait. Tujuan utama pengembangan model ini adalah untuk mencapai kesejahteraan spiritual (0,359), Faktor dominan dalam pengembangan model ini adalah aset wakaf (0,469), dengan uang (0,408) menjadi jenis aset yang paling berpengaruh, diikuti oleh wakaf saham sebagai instrumen pembiayaan utama (0,303) serta Manfaat dari wakaf produktif meliputi profit (0,307). Lembaga yang paling potensial sebagai pengelola wakaf produktif adalah organisasi (0,304). Secara keseluruhan, wakaf uang (0,358) merupakan alternatif terbaik dalam mengoptimalkan wakaf produktif sebagai sumber pendanaan alternatif bagi pendidikan tinggi di Indonesia. Pengembangan model wakaf produktif tidak hanya bentuk aktualisasi nilai maqashid syariah, tetapi juga strategi keuangan inklusif yang dapat memperkuat kapasitas pembiayaan sektor pendidikan di Indonesia. (This study aims to design a productive waqf development model to strengthen education funding as a sustainable alternative solution to assist in funding higher education. Research data was collected through questionnaires and in-depth interviews with respondents who have a deep understanding of waqf and the world of education, both from academics and practitioners. The Analytic Network Process method will be used to identify priority criteria that influence the success of productive endowment management, with a focus on social, economic, and institutional dimensions. The research results indicate that the development of a productive endowment model for higher education funding is influenced by interrelated elements. The main objective of developing this model is to achieve spiritual well-being (0.359). The dominant factor in the development of this model is waqf assets (0.469), with cash (0.408) being the most influential type of asset, followed by waqf shares as the main financing instrument (0.303) and the benefits of productive waqf include profit (0.307). The most potential institution as a manager of productive waqf is an organization (0.304). Overall, cash waqf (0.358) is the best alternative in optimizing productive waqf as an alternative funding source for higher education in Indonesia. The development of the productive waqf model is not only a form of actualizing the values of maqashid Syariah but also an inclusive financial strategy that can strengthen the financing capacity of the education sector in Indonesia.)
Islamic Crowdfunding Model for Accelerating Asset Growth in Sharia Cooperatives: A Case Study of KSBB Krisnaningsih, Diah; Ardiani, Ninda; Nugroho, Tofan Tri; Nur Aini, Dyah Ayu; Saputri, Dian Maharani
Islamiconomic : Jurnal Ekonomi Islam Vol 16, No 2 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i2.986

Abstract

This study analyzes the implementation of sharia loan crowdfunding at Koperasi Syariah Berkah Bersama (KSBB) as an innovative financing model to accelerate asset growth and the accumulation of third-party funds (DPK) in non-bank financial institutions. Using a qualitative case study approach, data were collected through in-depth interviews with KSBB management, members, and beneficiaries (shahibul maal and mudharib), supported by observations of the KSBB Universe platform and relevant documentation. The findings reveal that the adoption of sharia crowdfunding significantly increased KSBB’s assets from IDR 513 million in 2020 to IDR 6.9 billion in 2023 (growth of 1,350%) through the use of WhatsApp-based crowdfunding, and further to IDR 13.8 billion in March 2024 (growth of 150%) after the introduction of the KSBB Universe platform. Key success factors include KSBB’s hybrid role as a consumer cooperative, sharia financing provider, and crowdfunding operator; the application of syariah contracts (murabahah, mudharabah, musyarakah); strict project feasibility analysis; strong community trust and religious values; and the adoption of a digital platform that enhances transparency and accessibility. However, challenges remain in terms of members’ financial literacy, limited regulatory frameworks for cooperative-based crowdfunding, and the need for stronger human resource capacity. The study contributes theoretically by extending the discourse on sharia crowdfunding beyond fintech startups into cooperative-based models, and practically by offering insights into how cooperatives can adapt crowdfunding mechanisms to strengthen financial sustainability and promote sharia-based financial inclusion in Indonesia.
Komparasi Efisiensi Bank Bjb Syariah dan Bank Bjb Konvensional Sebelum dan Selama Pandemi Covid-19 Fadilah, Nurul; Ardiani, Ninda
Perbanas Journal of Islamic Economics and Business Vol 5 No 1 (2025): Perbanas Journal of Islamic Economics and Business
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/pjieb.v5i1.299

Abstract

Tujuan dilakukannya penelitian ini adalah untuk menganalisis serta mencari perbandingan tingkat efisiensi Bank BJB Syariah dan Bank BJB Konvensional sebelum dan saat pandemi Covid-19. Novelty penelitian ini berfokus pada pengukuran efisiensi dan komparasi hanya melalui kinerja dua bank BPD yang berada dalam satu induk perusahaan, yaitu Bank BJB Syariah dan Bank BJB Konvensional, yang keduanya merupakan bagian dari PT Bank BJB Tbk serta untuk mengetahui dampak yang ditimbulkan pandemi Covid-19 terhadap sistem kedua bank. Metode penelitian yang digunakan pada penelitian kali ini adalah metode kuantitatif untuk menghitung tingkat efisiensi Bank BJB Syariah Tbk dan Bank BJB Konvensional Tbk. Dengan variabel yang digunakan yaitu terdiri dari Total aset, Dana Pihak Ketiga, dan Beban Operasional adalah variabel input-nya. Sedangkan Kredit/Pembiayaan dan Pendapatan Operasional adalah variabel output-nya. Periode sampel sebelum pandemi dihitung dari 2017 hingga 2019, dan periode sampel selama pandemi dihitung dari 2020 hingga 2022. Selama periode 2022 Bank BJB Konvensional mencapai efisiensi sempurna sedangkan bank BJB Syariah juga hampir mencapai efisiensi sempurna, akan tetapi terdapat inefisiensi pada kuartal kedua. Perbandingan tersebut dapat dikatakan bahwasannya kinerja Bank BJB Syariah tidak kalah baik karena hampir menyusul pencapaian efisiensi dari kinerja Bank BJB Konvensional yang mengalami efisiensi selama 1 tahun pada periode 2022. Dari penelitian ini membuktikan bahwa Bank BJB Syariah dan Bank BJB Konvensional sering mengalami inefisiensi pada beberapa variabelnya baik sebelum dan saat pandemi covid-19 dengan adanya fluktuasi pada kinerjanya, yang mengakibatkan terjadinya inefisiensi pada beberapa kuartal.
Pengaruh CAR, NPF, FDR Terhadap Profitabilitas di Bank BTPN Syariah Tahun 2014-2024 Andriani, Fira Juni; Ardiani, Ninda
Al-Muamalat Jurnal Hukum dan Ekonomi Syariah Vol 10 No 1 (2025): Al-Muamalat: Jurnal Hukum Dan Ekonomi Syari'ah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v10i1.10716

Abstract

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR) on the profitability of Bank BTPN Syariah during the 2014–2024 period. The main focus of this research is how these three variables influence Return on Assets (ROA) as an indicator of bank profitability. The research employs a quantitative method with a multiple linear regression analysis approach. The data analyzed is secondary data obtained from the quarterly financial statements of Bank BTPN Syariah over the 2014–2024 period. The dependent variable in this study is ROA, while the independent variables include CAR, NPF, and FDR. Data analysis is conducted using SPSS and Microsoft Excel software. The results show that CAR has a positive and significant effect on ROA, whereas NPF has a negative and significant effect on ROA. Meanwhile, FDR does not have a significant impact on ROA. Simultaneously, CAR, NPF, and FDR significantly affect the profitability of Bank BTPN Syariah. This study contributes by strengthening empirical evidence regarding the effect of CAR, NPF, and FDR on the profitability of Islamic banks, particularly in Indonesia.
Fintech Peer To Peer Lending Sharia as an Alternative Capital for MSME in Sidoarjo : Fintech Peer To Peer Lending Berbasis Syariah Sebagai Alternatif Permodalan UMKM Sidoarjo Latifah, Fitri Nur; Ardiani, Ninda; Ariyanti , Novia; Syafitri , Mega Novita
Indonesian Journal of Law and Economics Review Vol. 18 No. 3 (2023): August
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijler.v18i3.943

Abstract

This study aims to explore the role of Islamic peer-to-peer lending fintech as an alternative solution to Sidarjo's MSME capital problem. As we know there are still many MSMEs still unbankable. So when capital issues arise, they are in trouble. Therefore, the existence of Sharia Fintech with P2P system is expected to be the solution to these problems. The study uses a qualitative case study method that collects secondary and primary data through interviews with Sidoarjo economic officials. The conclusion of this study shows that sharia peer-to-peer loan financing to MSME can improve his MSME's performance. Sidoarjo's MSMEs just lack understanding of Sharia Fintech P2P as an alternative to capital. Highlights: Sharia Fintech P2P as a solution for MSME capital problem Qualitative case study using secondary and primary data Lack of understanding hindering MSMEs from accessing Sharia P2P finance. Keywords: Islamic peer-to-peer lending,Fintech,MSMEs,Sidoarjo,Sharia finance
AN EXAMINATION OF ZAKAT INSTITUTIONS' LEVEL OF PRODUCTIVITY BEFORE AND FOLLOWING THE COVID-19 PANDEMIC Ardiani, Ninda
Journal of Social Comunity Services Vol. 1 No. 1 (2024): Journal of Social Comunity Services (JSCS)
Publisher : Antis-publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61796/jscs.v1i1.33

Abstract

This study aims to analyze the productivity of zakat institutions in Indonesia before and during the COVID-19 pandemic. The potential of zakat in Indonesia is quite large, but in terms of channeling it is still not optimal. The lack of standardization in the management of zakat has resulted in inappropriate collection and distribution of zakat. Whether or not the zakat institution is optimal in carrying out its operational activities can be seen from the productivity of the zakat institution. One of the methods that can be used to analyze performance efficiency is by using the non-parametric Malmquist Productivity Index (MPI) method. The Zakat Institution which is the object of the research shows fluctuations in productivity in each research period. The period during the pandemic has more value than before the pandemic. During the COVID-19 pandemic, LazisMu showed excellent development in terms of productivity.
Analisis Efisiensi KB Bank Syariah Periode 2018-2023 Menggunakan Pendekatan DEA Adinda Meyta Saharani; Ninda Ardiani
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 5 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i5.6995

Abstract

The purpose of this study is to analyze / examine and compare how the level of efficiency generated by PT. Bank KB Bukopin in 2018-2020 (the phase before the transfer of the bank's main share ownership) with 2021-2023 (the phase after the transfer of the bank's main shares), so unlike many previous studies, this study will use only 1 type of bank, namely KB Bank Syariah. In this study, the data used is secondary data in the form of financial reports obtained from the official website / official website of KB Bank Syariah. The data analysis method used to analyze efficiency at KB Bank Syariah before and after the transfer of the bank's main share ownership is Data Envelopment Analysis (DEA) with an intermediation approach with VRS assumptions. The results of this study conclude that the efficiency generated by KB Bank Syariah in the 2018-2023 period experienced fluctuations where the period before the transfer of the main shares can be said to be more efficient than the period after the transfer of the main shares of KB Bank Syariah. The causes of inefficiency include total assets, income, labor costs and financing.
Co-Authors A Syifaul Qulub Adinda Meyta Saharani Andriani, Fira Juni Ariyanti , Novia Eko Fajar Cahyono, David Kaluge Fitri Nur Latifah Hanesti, Elsi Mersilia Krisnaningsih, Diah M Ruslianor M Mafula, Faricha Masruchin Masruchin Meri Yuliani Muhamad Nafik Hadi Ryandono, Muhamad Nafik Muhammad Nafik HR, Muhammad Muhammad Ubaidillah Al Mustofa Noer Putri Alisya Setiawati Nur Aini, Dyah Ayu Nuris Tiswanah Nurul Fadilah, Nurul Puji Sucia Sukmaningrum Rani, Lina Nugraha Saputri, Dian Maharani Sudarso, Satrio Suwito, Jasmine Aura Salsabilla Syafitri , Mega Novita Taqiyah Dinda Insani Tika Widiastuti Tofan Tri Nugroho