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All Journal ESENSI: JURNAL BISNIS DAN MANAJEMEN AKUNTABILITAS JAM Jurnal Riset Akuntansi Terpadu Jurnal Tirtayasa Ekonomika (Tirtayasa Economica Journal) Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah ALQALAM Syi'ar Iqtishadi MONETER Al Maal: Journal of Islamic Economics and Banking Iqtishodia: Jurnal Ekonomi Syariah JURNAL EKONOMI SYARIAH Jurnal Altifani Penelitian dan Pengabdian kepada Masyarakat Media Ekonomi Media Riset Bisnis & Manajemen International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) Jurnal Rekognisi Ekonomi Islam (JREI)
Tenny Badina
Universitas Sultan Ageng Tirtayasa
Religion Arts Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Nursing Public Health Social Sciences Other

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EFEKTIFITAS PEMBIAYAAN MUDARABAH/MUSYARAKAH DALAM MENINGKATKAN KINERJA BANK PERKREDITAN RAKYAT SYARIAH DI PROVINSI BANTEN Badina, Tenny; Rosiana, Rita; Ahyakudin, Ahyakudin
ALQALAM Vol 34 No 2 (2017): July - December 2017
Publisher : Center for Research and Community Service of UIN Sultan Maulana Hasanuddin Banten-Serang City-Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The purpose of this research is to analyze the effect of the distribution of mudarabah/musyarakah financing to the performance of mudarabah/musyarakah financing in Sharia Rural Bank Banten Province as well as to build a model of mudarabah/musyarakah financing that is effective in improving the performance of Sharia Rural Bank in Banten Province. The research method used is survey method with quantitative approach with multiple regression analysis. Hypothesis testing using SPSS v.17 software. Data collection techniques used are documentation, survey, and interviews. The population of this research is all the leaders and staff of financing in Banten Province, with 40 samples. The results showed that the variables of Third Party Fund Mobilization, Minimizing Dependence on Subsidies, Incentive System for On-Time Payments, and Building Good Relationships with Customers have a significant positive effect on the Mudarabah/Musyarakah Financing Performance, while the Selection Process and Control Process on Business variables have no effect on Mudarabah/Musyarakah Financing Performance. Keywords: Sharia Rural Bank, Mudarabah/Musyarakah Financing, Effectiveness, Performance 
PERSEPSI ULAMA, TOKOH ORMAS ISLAM DAN AKADEMISI DI PROVINSI BANTEN TERHADAP BAURAN PEMASARAN PERBANKAN SYARIAH DAN KESESUAIAN PRAKTIK PERBANKAN SYARIAH DENGAN PRINSIP-PRINSIP SYARIAH Rosiana, Rita; Indrinana, Ina; Badina, Tenny; Najib, Mohamad Ainun; Atiah, Isti Nuzulul
ALQALAM Vol 34 No 2 (2017): July - December 2017
Publisher : Center for Research and Community Service of UIN Sultan Maulana Hasanuddin Banten-Serang City-Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (671.951 KB) | DOI: 10.32678/alqalam.v34i2.790

Abstract

Many factors that affect a person's interest in doing something, in this case the author intended is the selection of interest in choosing the community of Islamic banking services. A person's interest in choosing a product is influenced by his perception and knowledge of the product. This study aims to know and analyze the perceptions of the scholars, the leaders of  Islamic organizations and academics of sharia banking and its influence on the growth of Islamic banking in Banten. Teknik data collection used in this research is convenient sampling method. Convenient technique is used because the number of scholars in Banten is very much and the researchers chose the board of MUI of Banten Province as the representative of the ulama in Banten. The type of data used in this study is primary data collected directly by researchers from the field. The data source used in this research is field research (field data) and library research (library data) .The data collection techniques used in this study survey through questionnaires and interviews with the respondents. Based on the results of questionnaires research on 3 groups of Respondents: MUI (30 respondents), Academics (30 respondents), and Islamic Organizations (30 respondents) can be concluded that respondents from academic groups agree on the suitability of the practice and marketing mix of sharia banking with average value 3.77, while respondents from the MUI group and Islamic organizations strongly agree on the suitability of the practice and marketing mix of sharia banking with an average value of 4.11 and 4.35.
Pengaruh Likuiditas, Leverage, Kebijakan Dividen, Ukuran Perusahaan, Good Corporate Governance dan Sales Growth Terhadap Nilai Perusahaan Herdiani, Nita Putri; Badina, Tenny; Rosiana, Rita
Akuntansi dan Manajemen Vol. 16 No. 2 (2021): Akuntansi dan Manajemen
Publisher : Jurusan Akuntansi Politeknik Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30630/jam.v16i2.157

Abstract

This study was conducted to determine the effect of liquidity, leverage, dividend policy, firm size, good corporate governance, and sales growth on firm value in manufacturing companies listed on the Indonesian Sharia Stock Index (ISSI) for the 2016 – 2020 period. Listed on the Indonesian Sharia Stock Index (ISSI) with a study period of 5 years. The sample selection method was purposive sampling and obtained 29 companies that matched the sample criteria. The data analysis method uses panel data and ordinary least square (OLS). The results of hypothesis testing show that partially liquidity has a negative and significant effect on firm value, leverage has a negative and significant effect on firm value, dividend policy has a positive and significant effect on firm value, firm size has a positive and significant effect on firm value, board of commissioners size has a negative and significant effect on firm value, audit committee size has a negative and significant effect on firm value, and sales growth has a negative and significant effect on firm value. Simultaneously there is a significant influence of liquidity, leverage, dividend policy, firm size, board of commissioners size, audit committee size, and sales growth on firm value.
Peran Lembaga Keuangan Mikro Islam dalam Meningkatkan Kesejahteraan Pengusaha Mikro Tenny Badina; Rita Rosiana
Jurnal Ilmiah Ekonomi Islam Vol 8, No 1 (2022): JIEI : Vol. 8, No. 1, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i1.3904

Abstract

The purpose of this study is to analyze the structure and development as well as the problems and challenges faced by Islamic microfinance institutions in improving the socio-economic welfare of Islamic micro-entrepreneurs in the province of Banten. Islamic microfinance institutions have a social purpose in addition to the goal of obtaining profits that can be utilized by micro-entrepreneurs to develop their businesses. Islamic microfinance institutions have the potential to act as a mechanism for banking institutions. Data were analyzed based on micro-entrepreneurs with field survey methods and descriptive analysis. Field visits and interviews will be organized and conducted face-to-face with the manager of the microfinance institution. In the semi-structured interview process, respondents were asked to express their views on the research problem. It is hoped that the results of this study will obtain opinions from respondents regarding the role of Islamic microfinance intitutions in (1) improving the socio-economic welfare of micro entrepreneurs, (2) problems faced by microfinance institutions in distribute financing to micro-entrepreneurs. In general, respondents thinks that operations in Islamic microfinance institutions are currently not optimal due to several existing limitations. Respondents strongly agree that Islamic microfinance institutions should provide products, services, and instruments to respond to the needs of the poor in overcoming poverty and of course the services, products, and instruments offered must be distinguishable from other services, products, and instruments.
Pengaruh Permodalan, Kualitas Asset, Rentabilitas dan Likuiditas Terhadap Profitabilitas Bank Pembiayaan Rakyat Syariah (BPRS) di Indonesia Widiya Ningsih; Tenny Badina; Rita Rosiana
Akuntabilitas Vol 10, No 1: April 2017
Publisher : Department of Accounting-Faculty of Economic and Business (FEB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (156.59 KB) | DOI: 10.15408/akt.v10i1.6116

Abstract

The purpose of this study to analyze the influence of capital, asset quality, profitability and liquidity to profitabilitas. Population in this study is the Islamic Rural Bank (BPRS) registered at Bank Indonesia. Total sample of 12 selected by using purposive sampling, uses secondary data obtained through the website www.bi.go.id. The analytical method used in this research is Multiple Linear Regression and Software SPSS 22 as a tool to test the hypothesis. The results of this study are: capital, asset quality and liquidity does not affect the profitability, earnings negatively affect profitability.
Determinan Profitabilitas Bank Pembiayaan Rakyat Syariah di Indonesia Widiya Ningsih; Tenny Badina; Rita Rosiana
Akuntabilitas Vol 9, No 2: Oktober 2016
Publisher : Department of Accounting-Faculty of Economic and Business (FEB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/akt.v9i2.4024

Abstract

The purpose of this study is to analyze the influence of capital, asset quality, profitability and liquidity to profitabilitas. Populasi this study is the Islamic Rural Bank (BPRS) registered at Bank Indonesia. Total sample of 12 selected by using purposive sampling, uses secondary data obtained through the website www. bi. go. id. The analytical method used in this research is Multiple Linear Regression and Software SPSS 22 as a tool to test the hypothesis. The results of this study are: capital, asset quality and liquidity does not affect the profitability, earnings negatively affect profitability.  
Strategi Pengelolaan Wakaf Produktif Dalam Rangka Pemberdayaan Ekonomi Umat Pada Wakaf Produktif Dompet Dhuafa Banten Robi Setiawan; Tenny Badina; Mohamad Ainun Najib
Al Maal: Journal of Islamic Economics and Banking Vol 3, No 1 (2021)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v3i1.4587

Abstract

Penelitian ini adalah jenis penelitian kualitatif deskriptif. Populasi yang dipilih adalah petugas Dompet Dhuafa Banten. Sedangkan sampel yang digunakan untuk diteliti adalah Pimpinan Cabang Dompet Dhufa Banten, Manajer Fundraising, Penanggungjawab Dompet Dhuafa Farm, dan dua orang mustahik sebagai penerima manfaat tetap. Dalam pengumpulan data menggunakan metode observasi, wawancara, dan dokumentasi. Sedangkan untuk teknik analisisnya menggunakan teknik analisis menurut Miles dan Huberman, yaitu tahap pengumpulan data, reduksi data, display (penyajian), verifikasi dan penarikan kesimpulan. Berdasarkan hasil penelitian bahwa strategi pengelolaan wakaf produktif di DD Banten terdiri dari 4 strategi yaitu, 1). Mendirikan Dompet Dhuafa Farm, 2). Pengelolaan DD Farm melibatkan ahli dibidang peternakan, 3). Pengembangan unit-unit bisnis peternakan, 4). Meningkatkan kompetensi sumber daya manusia. Adapun konsep pemberdayaan umat di DD Banten adalah dengan memperkerjakan para mustahik yang berasal dari daerah sekitar DD Farm untuk bekerja di DD Farm. Setelah dipekerjakan selama 2 tahun mereka dimandirikan. Ketika dimandirikan mereka mendapatkan bantuan berupa bantuan modal, bantuan pembangunan kandang, bantuan pendampingan, dan bantuan kemitraan. Pengelolaan wakaf produktif melalui program pemberdayaan ekonomi di DD Banten berhasil meningkatkan ekonomi para mustahik. Namun, pengelolaan wakaf produktif di DD Banten terdapat peluang dan hambatan baik internal maupun eksternal. Peluang-peluang dalam pengelolaan wakaf produktif sudah mampu dikelola dengan baik oleh DD Banten. Sedangkan hambatannya sudah mampu diantisipasi dan diminimalisir oleh DD Banten.
Analisis Pengaruh Return on Asset (ROA), Biaya Operasional Terhadap Pendapatan Operasional (BOPO), Suku Bunga, Financing to Deposits Ratio (FDR) dan Non Performing Financing (NPF) Terhadap Tingkat Bagi Hasil Deposito Mudharabah (Studi Empiris pada Bank Um Nana Novianti; Tenny Badina; Aditia Erlangga
Esensi: Jurnal Bisnis dan Manajemen vol. 5, No. 1, April 2015
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/ess.v5i1.2333

Abstract

Level of profit sharing given by Islamic Banks which is one factor public appeal to save funds in the products of Islamic Banks but in level of profit sharing for giving of Islamic Banks still refers to the rate of Conventional Banks. Still referring to Conventional Bank interest rates make people still think that the same Islamic Banks with Conventional Banks. This research purpose to analyze the effect of financial ratios and interest rate to the level of profit sharing of mudharabah deposits Islamic Banks in Indonesia. The population used is the quarterly financial statements throughout Islamic Banks in Indonesia 2011-2013. Selection of the samples tested in this study using purposive sampling method, 6 selected Islamic Banks. Analysis tools in this study is used multiple regression analysis using SPSS 19.0 software. The variables used in this study are Return On Asset (ROA), BOPO, Interest Rate, Financing To Deposits Ratio (FDR) and Non Performing Financing (NPF) as the independent variable, and level of profit sharing mudaraba deposits as the dependent variable. Partial results show that Return On Asset (ROA) and Financing To Deposits Ratio (FDR) significant positive effect on level of profit sharing mudaraba deposits while the BOPO, Interest Rate and Non Performing Financing (NPF) have no effect.DOI: 10.15408/ess.v5i1.2333
Prospek Asuransi Mikro Dalam Mengembangkan Pembiayaan Mikro di Banten Tenny Badina; Umayatu Suiroh Suharto
Jurnal Riset Akuntansi Terpadu Vol 13, No 2 (2020)
Publisher : FEB Universitas Sultan Ageng Tirtayasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35448/jrat.v13i2.9067

Abstract

Tujuan dari penelitian ini adalah untuk mengkaji prospek asuransi mikro dalam mengembangkan pembiayaan mikro di Provinsi Banten. Dua permasalahan penelitian yang diajukan: pertama, bagaimana struktur organisasi lembaga keuangan yang tepat untuk memaksimalkan manfaat ekonomi asuransi mikro? Kedua, bagaimana manajemen keuangan dan manfaat ekonomi dari penggunaan asuransi mikro oleh lembaga keuangan? Untuk menjawab dua pertanyaan penelitian ini digunakan wawancara semi-terstruktur untuk menafsirkan data yang dikumpulkan dari lapangan. Metodologi studi kasus digunakan dalam penelitian ini, mengingat kompleksnya keuangan mikro dan asuransi mikro. Berdasarkan hasil penelitian maka dapat diambil kesimpulan sebagai berikut : 1. Penyaluran pembiayaan mikro masih menggunakan pola penyaluran langsung ke individu pengusaha dan belum menggunakan pola penyaluran berkelompok sehingga belum memperoleh manfaat ekonomi yang maksimal dalam penggunaan asuransi mikro. Ke depan diharapkan bank dapat mengembangkan pola penyaluran pembiayaannya dengan pola penyaluran pembiayaan berkelompok dan menerapkan jaminan sosial sehingga lebih baik dalam mengelola penyaluran pembiayaan mikro dengan resikonya yang tinggi. 2. Asuransi mikro telah berperan sebagai instrument untuk menjamin resiko dalam penyaluran pembiayaan mikro. Namun bank sebaiknya mendesain penyaluran pembiayaan mikro yang ideal dengan pola berkelompok yang dapat meminimalisir resiko yang timbul sehingga semakin banyak pengusaha mikro yang belum bankable yang dapat memperoleh akses pembiayaan dari bank. Pola pembiayaan berkelompok dapat meminimalisir biaya yang ditimbulkan oleh resiko yang disebabkan gagal bayar nasabah, sehingga dana yang sebelumnya dialokasi untuk mengcover resiko kredit dapat dialihkan untuk memberi manfaat asuransi yang lebih luas bagi nasabah.
PERSEPSI PARA ULAMA, TOKOH ORMAS ISLAM DAN AKADEMISI TERHADAP BAURAN PEMASARAN PERBANKAN SYARIAH DAN KESESUAIAN PRAKTEK PERBANKAN SYARIAH DENGAN PRINSIP-PRINSIP SYARIAH Ina Indriana; Tenny Badina; Lia Uzliawati; Enok Nurhayati
Tirtayasa Ekonomika Vol 11, No 1 (2016)
Publisher : FEB Universitas Sultan Ageng Tirtayasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1860.096 KB) | DOI: 10.35448/jte.v11i1.4173

Abstract

Penelitian ini bertujuan untuk mengetahui dan menganalisis  persepsi para ulama, para tokoh ormas Islam dan akademisi terhadap perbankan syariah. Teknik pengumpulan data yang akan digunakan yaitu metode survey dan wawancara. Metode penelitian yang digunakan dalam penelitian ini yaitu deskriptif eksploratif Berdasarkan hasil penelitian persepsi para ulama, anggota ormas Islam dan kalangan akademisi terhadap bauran pemasaran (produk, promosi, harga, lokasi dan personal) perbankan syariah berbeda-beda. Para ulama  dan kalangan akademisi menilai bauran pemasaran yang dikembangkan oleh perbankan syariah sudah tepat. Sementara anggota ormas islam menilai bauran pemasaran yang dikembangkan oleh perbankan syariah masih kurang tepat. Perbedaan persepsi ini disebabkan karena adanya perbedaan pengalaman, peranan, minat dan kebutuhan serta tingkat keyakinan.Persepsi para ulama dan kalangan akademisi terhadap kesesuaian praktek perbankan syariah dengan prinsip-prinsip syariah adalah positif. Sedangkan anggota ormas islam menilai praktek perbankan syariah  tingkat kesesuaiannya dengan prinsip-prinsip syariah masih rendah. Perbedaan persepsi tersebut dimungkinkan karena kurangnya pengalaman, pengetahuan, minat dan kebutuhan terhadap produk-produk dan layanan perbankan syariah. Kata Kunci : Persepsi, Ulama, Tokoh Ormas Islam, Akademisi, bauran pemasaran, prinsip-prinsip syariah.
Co-Authors Aditia Erlangga AHMAD FATHONI Ahmad Fatoni Ahmad Fatoni Ahyakudin, Ahyakudin Ainun Najib, Mohamad Alfarisi, Muhammad Ayyub Anisa Yulianti Atiah, Isti Nuzulul Awaliah, Siti Farika Nurul Debi Rahmawati Dwi Cahyono, Bagus Elif Pardiansyah Enok Nurhayati Fatoni, Ahmad Hasanudin, Agus Ismaya Herdiani, Nita Putri Iin Inayati Ina Indriana Ina Indriana Indrinana, Ina Isti Nuzulul Atiah Lia Uzliawati Maulina Maalak A’rifa Maulina, Andini Ma’zumi Ma’zumi Mila Emilia Yulianti Mohamad Ainun Najib Mohamad Ainun Najib Mohamad Ainun najib Najib, Mohamad Ainun NANA NOVIANTI Nova Sulistia Nur Chalizzah Nurul Hidayati Pardiansyah, Elif Pardiansyah, Elif Priani Putri, Hanifa Rahmawati, Elvira Eka Rani Mahira Rita Rosiana Rita Rosiana Rita Rosiana Robi Setiawan Safira , Zahra Sagita Wahyu Pratama Shoma Febriyani Siti Masitoh Solihatul Adawiyah Suharto, Umayatu Suiroh Syarah Syahidah Syihabudin, Syihabudin Ulfah Indriyani Widiya Ningsih Willy Nurhayadi Yeni Januarsi Yunistiawati, Friska Yunita, Wanda