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All Journal Signifikan : Jurnal Ilmu Ekonomi Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Buletin Pengembangan Perangkat Pembelajaran Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah
Aini Masruroh, Aini
Ikatan Ahli Ekonomi Islam Indonesia
Religion Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Mengelola Keuangan Secara Syariah dalam Rangka Menumbuhkan Good Money Habit Masruroh, Aini
Al-Iqtishad: Journal of Islamic Economics Vol 5, No 1: January 2013
Publisher : Faculty of Shariah and Law

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v5i1.2111

Abstract

The wealth owned by Muslims basically is a trust from Allah that must be spent or distributed responsibly. Good habit in spending money is reflected on how the person makes a financial decision of his own. The main aspect in conducting the financial plan is the ability to save and invest. A person is qualified as having good money habits if he is able to pay themselves first that other interest. Meaning that each earn he have, he is able to allocated it to charity, the primary consumption, and plans for the future. Whereas the spontaneous type might probably refuses to make a financial planningDOI: 10.15408/aiq.v5i1.2111
Membentuk Karakter dan Disiplin Siswa melalui Pembinaan Apel Pagi Masruroh, Aini; Medika, Novita; Kristiawati, Henri
Buletin Pengembangan Perangkat Pembelajaran Vol 1, No 1 (2019): Vol. 1, No.1, Juli 2019
Publisher : Fakultas Keguruan dan Ilmu Pendidikan, Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/bppp.v1i1.9292

Abstract

Penelitian ini bertujuan untuk menjelaskan mengenai pembentukan karakter dan budi pekerti pada siswa melalui kegiatan apel rutin setiap pagi dan keefektifannya dalam mewujudkan karakter dan budi pekerti luhur yang baik pada siswa di SMK Negeri 6 Sukoharjo. Tipe penelitian yang digunakan adalah penelitian kualitatif dengan metode deskriptif kualitatif. Data yang ada didalam penelitian ini diperoleh melalui kegiatan observasi dan wawancara. Subyek dalam penelitian ini adalah siswa-siswi dan guru yang ada di SMK Negeri 6 Sukoharjo. Berdasarkan penelitian yang dilakukan diperoleh hasil bahwa kegiatan apel rutin setiap pagi di SMK Negeri 6 Sukoharjo  dapat digunakan sebagai sarana dan jalan yang efektif untuk membentuk dan menanamkan karakter serta budi pekerti yang baik pada anak seperti sikap disiplin, bertanggung jawab, sopan santun, nasionalisme serta saling menghargai terhadap sesama siswa dan menghormati kepada guru maupun temannya.
Optimizing Hajj Fund Management through Strategic Asset Allocation in Islamic Finance Instrument Masruroh, Aini; Rodoni, Ahmad; Pontjowinoto, Iwan P
Signifikan: Jurnal Ilmu Ekonomi Vol 12, No 2 (2023)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v12i2.34403

Abstract

The management of Hajj funds must be done effectively using a rigorous standardized risk management approach. This study aims to create a Hajj fund management model using Islamic financial instruments through the optimal portfolio method and strategic asset allocation. The model was built using historical data from 2010–2022, involving Islamic deposits, government sukuk (SBSN), corporate sukuk, and Islamic stocks, which were analyzed with the Markowitz portfolio equation in Excel Solver. The result showed that the optimal portfolio yields an 8.50% expected return with a 4.00% risk; strategic asset allocation produces an 8.25% return with a 2.99% risk. The policy implication of this research is the need to review the initial deposit of pilgrims and explore alternative investments to bridge the gap between the actual cost of Hajj and pilgrims' payments while improving returns.JEL Classification: M31, M37, L92 How to Cite:Masruroh, A., Rodoni, A., & Pontjowinoto, I. P. (2023). Optimizing Hajj Fund Management through Islamic Finance Instrument. Signifikan: Jurnal Ilmu Ekonomi, 12(2), 287-306. https://doi.org/10.15408/sjie.v12i2.34403.
PENGARUH HARGA EMAS DUNIA DAN EKONOMI MAKRO TERHADAP INDEKS SAHAM SYARIAH INDONESIA (ISSI) Al Wahhab KH, Hasbi Abdul; Masruroh, Aini
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 6 No 3 (2025): April
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.vi.54957

Abstract

Abstrak Tujuan penelitian ini adalah untuk menganalisis pengaruh harga emas dunia dan variabel ekonomi makro yaitu inflasi, nilai tukar rupiah, PDB dan BI Rate terhadap Indeks Saham Syariah Indonesia (ISSI) periode 2017-2023. Jenis penelitian yang digunakan dalam penelitian ini yaitu analisis kuantitatif dengan metode Vector Error Correction Model (VECM). Adapun hasil penelitian ini yaitu dalam jangka pendek harga emas dunia dan nilai tukar rupiah memiliki pengaruh positif terhadap Indeks Saham Syariah Indonesia (ISSI), sedangkan inflasi, PDB dan BI rate tidak memiliki pengaruh terhadap ISSI. Dalam jangka panjang harga emas dunia, nilai tukar rupiah dan PDB memiliki pengaruh positif terhadap Indeks Saham Syariah Indonesia (ISSI) sedangkan, inflasi dan BI rate berpengaruh negatif terhadap ISSI. Terakhir, Indeks Saham Syariah Indonesia (ISSI) merespon positif shock yang diberikan oleh harga emas, nilai tukar rupiah, dan BI rate, sedangkan respon negatif diberikan oleh inflasi dan PDB. Kata Kunci: Harga Emas Dunia, Ekonomi Makro, ISSI Abstract The purpose of this study is to analyze the effect of world gold prices and macroeconomic variables is inflation, rupiah exchange rate, GDP and BI rate on the Indonesian Sharia Stock Index (ISSI) for the 2017-2023 period.. The type of research used in this study is quantitative analysis with the Vector Error Correction Model (VECM) method. The results of this study are that in the short term the world gold price and the rupiah exchange rate have a positive influence on the Indonesian Sharia Stock Index (ISSI), while inflation, GDP and BI rate have no influence on the ISSI. Meanwhile, in the long term, the world gold price, rupiah exchange rate and GDP have a positive influence on the Indonesian Sharia Stock Index (ISSI), while inflation and BI rate have a negative effect on the ISSI. Finally, the Indonesian Sharia Stock Index (ISSI) responds positively to the shock given by the gold price, rupiah exchange rate, and BI rate, while the negative response is given by inflation and GDP. Keywords: World Gold Price, Macroeconomics, ISSI
Optimizing Hajj Fund Management through Strategic Asset Allocation in Islamic Finance Instrument Masruroh, Aini; Rodoni, Ahmad; Pontjowinoto, Iwan P
Signifikan: Jurnal Ilmu Ekonomi Vol. 12 No. 2 (2023)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v12i2.34403

Abstract

The management of Hajj funds must be done effectively using a rigorous standardized risk management approach. This study aims to create a Hajj fund management model using Islamic financial instruments through the optimal portfolio method and strategic asset allocation. The model was built using historical data from 2010–2022, involving Islamic deposits, government sukuk (SBSN), corporate sukuk, and Islamic stocks, which were analyzed with the Markowitz portfolio equation in Excel Solver. The result showed that the optimal portfolio yields an 8.50% expected return with a 4.00% risk; strategic asset allocation produces an 8.25% return with a 2.99% risk. The policy implication of this research is the need to review the initial deposit of pilgrims and explore alternative investments to bridge the gap between the actual cost of Hajj and pilgrims' payments while improving returns.JEL Classification: M31, M37, L92 How to Cite:Masruroh, A., Rodoni, A., & Pontjowinoto, I. P. (2023). Optimizing Hajj Fund Management through Islamic Finance Instrument. Signifikan: Jurnal Ilmu Ekonomi, 12(2), 287-306. https://doi.org/10.15408/sjie.v12i2.34403.
Co-Authors Ahmad Rodoni Al Wahhab KH, Hasbi Abdul Kristiawati, Henri Medika, Novita Pontjowinoto, Iwan P