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All Journal Journal of Economic, Management, Accounting and Technology (JEMATech) Performance Abdimasku : Jurnal Pengabdian Masyarakat Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Journal of Aswaja and Islamic Economics
Pungky Lela Saputri
Universitas Islam Sultan Agung
Religion Computer Science & IT Economics, Econometrics & Finance Education Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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Edukasi Akses Keuangan Bagi UMKM Batik Sultan Kota Semarang Melalui Pembiayaan Syariah Wahyu Setiawan; Pungky Lela Saputri
ABDIMASKU : JURNAL PENGABDIAN MASYARAKAT Vol 5, No 3 (2022): September 2022
Publisher : LPPM UNIVERSITAS DIAN NUSWANTORO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/ja.v5i3.666

Abstract

Potensi UMKM bidang industri kreatif semakin meningkat seiring dengan adanya perhatian dari Kementrian Pariwisata dan Industri Kreatif. Namun, permodalan menjadi salah satu masalah yang dihadapi para pelaku UMKM. Modal memegang peranan penting bagi kegiatan operasional suatu usaha. Lembaga keuangan syariah merupakan salah satu penyedia pinjaman modal, namun belum dikenal oleh pelaku UMKM. Modal dari pembiayaan lembaga keuangan syariah diharapkan memberi nilai keberkahan tersendiri bagi usaha yang sedang dijalankan. Objek program PKM ini adalah pelaku UMKM pada Kelompok Batik Sultan Kota Semarang yang mayoritas mengalami kesulitan memperoleh akses keuangan untuk menambah modal dikarenakan latar belakang pendidikan yang tidak memadai dan minimnya informasi. Tim PKM memberikan edukasi dan pendampingan dalam bentuk sharing pelaku UMKM, pengenalan lembaga keuangan syariah, tata cara, seminar, dan evaluasi pembukuan keuangan usaha. Oleh karena itu, para pelaku UMKM tersebut memahami dan dapat melakukan cara pengajuan pembiayaan permodalan kepada lembaga keuangan syariah.
Limitation Of Non-Halal Income (Interest) In The Criteria Of Sharia Securities List In Indoneisia Stock Exchange M Fatchurrohman Fatchur; Pungky Lela Saputri
Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Vol. 4 No. 1 (2022): Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/ecoiqtishodi.v4i1.2815

Abstract

The Islamic capital markets in Indonesia have been developing over the last two decades, characterized by an increase in Islamic products and the issuance of regulations related to the Islamic capital markets, and the general public and investors are beginning to understand the list of Islamic securities. Next, there is one of the controversial criteria for the Sharia Securities List. That is, the total yield is less than 10%. It is understandable whether Islamic financial institutions earn income from bank interest before they are fully subject to Sharia law. This study analyzes the dispute using an associative approach by building relationships between social situations or domains based on the interdependencies of the dispute under study. It is a study to do. The results of this survey and discussion are based on an analysis of non-Halal income (interest) restrictions in the criteria for listing Shariah securities in Indonesia to address the conditions, risks and possibilities of DES. When the interest rate floor applies, few Shariah stocks need to be listed on flat Islamic securities and DES market shares, reducing interest in investing in the Islamic capital markets. This is also related to including other Shariah financial institutions. If the number of Islamic issuers decreases, the number of investors will surely decrease. Therefore, it will certainly be difficult to achieve in the development of the Islamic financial industry.
Islamic Banks and Its Role in Reducing Poverty Pungky Lela Saputri; Muhammad Faisal Yul Zamrudi
Journal of Economic, Management, Accounting and Technology (JEMATech) Vol 6 No 1 (2023): Februari
Publisher : Fakultas Teknik dan Ilmu Komputer, Universitas Sains Al-Qur'an (UNSIQ) Wonosobo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32500/jematech.v6i1.3772

Abstract

This study aims to analyze the effect of financing disbursed by Islamic banks on reducing the poverty rate in Indonesia. This study used timeseries data tested using multiple linear regression analysis. Sharia bank financing data was obtained from Sharia Banking Statistics by the Financial Services Authority and poverty data in Indonesia obtained from BPS was used in this study. The results showed that murabahah has an effect on reducing the poverty rate, while the greater distribution of mudharabah financing has an impact on increasing poverty, and the existence of musyarakah financing has no effect on poverty in Indonesia at all.
Digital Transformation : Peran Digital Skill Dan E-Readiness Pada UMKM Diah Ayu Kusumawati; Pungky Lela Saputri
Performance: Jurnal Personalia, Financial, Operasional, Marketing dan Sistem Informasi Vol 30 No 1 (2023): Performance
Publisher : Faculty of Economics and Business Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/1.jp.2023.30.1.7849

Abstract

Perkembangan ra digital di Indonesia menuntut berbagai sektor untuk menerapkan digitalisasi dalam setiap aktivitasnya. Tidak terkecuali dengan Usaha Kecil, Mikro dan Menengah (UMKM). Penerapan digitalisasi pada UMKM memiliki peran penting bagi keberlangsungan UMKM tersebut. Oleh karena itu, diperlukan faktor pendukung agar UMKM mampu menjaga keberlanjutannya, antara lain dengan bertransformasi digital, kemampuan digital, dan e-readiness. Perubahan digital ini sangat dibutuhkan UMKM dalam meningkatkan kesiapan menghadapi era digital saat ini akibat persaingan yang semakin ketat. Peningkatan transformasi digital pada UMKM perlu didukung oleh digital skill dan e-readiness dalam memanfaatkan teknologi informasi digital melalui internet. Penelitian ini menggunakan metode survei dengan menyebarkan kuesioner kepada UMKM bidang makanan minuman dan mendapatkan 108 responden untuk diuji. Analisis dan pengolahan data penelitian didukung oleh software SPSS 22. Hasil penelitian menunjukkan bahwa keterampilan digital dan e-readiness berpengaruh positif dan signifikan terhadap transformasi digital. Selanjutnya, keterampilan digital memiliki dampak positif dan signifikan terhadap transformasi digital melalui e-readiness. Penerapan digital skill dan e-readiness pada UMKM mampu menjadikan UMKM bertransformasi ke digitalisasi, sehingga kedepannya UMKM dapat mencapai keunggulan kompetitif dan menjaga keberlangsungannya.
THE CONCEPT OF RECIPROCITY IN ISLAMIC ECONOMICS: AN ANTHROPOLOGICAL APPROACH Pungky Lela Saputri; M Fatchurrohman
JASIE Vol 1, No 2 (2022): DESEMBER
Publisher : JASIE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.3194/jse.v1i2.7605

Abstract

This paper aims to find out the concept of reciprocity in Islamic economics through anthropological approach. The method used in this research is qualitative with the approach of library studies. This literature study is considered capable of reviewing the concept of reciprocity in Islamic economics through anthropology. In reciprocity, an individual or group delivers goods or services to another individual or group without specifying a time limit on return. In the Context of Islam, man arofa nafsahu faqod arofa robbahu, if practiced in real time then all human behavior in the economic world becomes very easy to control, and the controller is every human being himself.
Co-Authors Diah Ayu Kusumawati M Fatchurrohman M Fatchurrohman Fatchur Muhammad Faisal Yul Zamrudi Wahyu Setiawan