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All Journal SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Airlangga Journal of Innovation Management Airlangga International Journal of Islamic Economics and Finance AL-ARBAH: Journal of Islamic Finance and Banking JPMA
Rachmania Nurul Fitri Amijaya
Universitas Jember
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Control & Systems Engineering Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Analisis Perubahan Kebijakan Pajak di Negara GCC dalam Perspektif Ekonomi Islam Rachmania Nurul Fitri Amijaya; Mohammad Yusron Sholikhin
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022)
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v7i2.8033

Abstract

G.C.C. countries use oil as a significant source of state revenue because the G.C.C. region is a collection of world oil-producing countries. However, since the world oil price slumped from 2005-2008, governments have changed course by imposing taxes on their citizens. The point of this study is to argue the G.C.C. countries that have changed their tax-free system in their economy into countries that apply taxes today. Then, the views of some Muslim scientists related to taxation are related to changes in tax policy in G.C.C. countries. The qualitative method is used in this paper with a critical approach and analysis of several kinds of literature and financial reports relating to changes in tax policy in the G.C.C. area. The results of this study explain that the G.C.C. countries compile a value-added tax of 5%, which is applied to several basic needs such as food, clothing, water, and electricity bills. Later, some Muslim scientists agreed on the existence of taxes for the common good, a source of revenue for public facilities and services.
PENINGKATAN KEMAPUAN PENGOLAHAN DATA KUANTITATIF MENGGUNAKAN APLIKASI STATA Mohammad Zeqi Yasin; Rachmania Nurul Fitri Amijaya
Jurnal Pengabdian Masyarakat Applied Vol 2 No 1 (2023): JPMA Volume 2 Number 1 Year 2023
Publisher : Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/jpma.v2i1.39468

Abstract

Salah satu kompetensi bagi sebagian besar perguruan tinggi di Indonesia untuk para lulusan jurusan ilmu ekonomi adalah kemampuan menerapkan teknik pengolahan data kuantitatif. Artikel ini bertujuan untuk melaporkan aktivitas pengabdian dalam kegiatan pelatihan kemampuan analisis kuantitatif menggunakan aplikasi STATA. Metode pelaksanaan yang digunakan dalam kegiatan ini adalah metode ceramah, praktik dan tanya jawab. Hasil dari pelatihan ini adalah seluruh peserta dapat memahami pelaksanaan pelatihan teknik analisis data kuantitatif menggunakan aplikasi STATA dengan baik. Kemudian, berdasarkan kuisioner yang dibagikan, peserta menganggap bahwa kegiatan ini sangat bermanfaat untuk persiapan tugas akhir. Rekomendasi dari kegiatan ini menekankan pada pengetahuan dasar yang perlu dimiliki peserta serta kemampuan interpretasi yang menyertai kemampuan pengolahan data yang perlu ditingkatkan.
Does Islamic Finance Matter for Poverty Development in Indonesia? Rachmania Nurul Fitri Amijaya; Andika Eko Prassetyo; Rensia Yuliati Pratama; Intan Wardah Kharisma
Airlangga Journal of Innovation Management Vol. 4 No. 2 (2023): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v4i2.49756

Abstract

Poverty remains a multifaceted economic challenge that necessitates a variety of solutions. The method that must be pursued focuses on enhancing economic, social wellbeing, and equalizing people's purchasing power to satisfy life's requirements rather than only economic growth. The purpose of this study is to discover and assess the impact of mudharabah finance, zakat, and inflation on poverty alleviation in Indonesia, both individually and collectively. The data utilized is secondary data from associated agencies such as the Financial Services Authority (OJK), the National Zakat Amil Agency (BAZNAS), Bank Indonesia (BI), and the Central Agency of Statistics (BPS) for 2006-2022 period. The study employed a multiple linear regression model and hypothesis testing utilizing E-Views 12 Software, with mudharabah funding, zakat, and inflation serving as independent factors and poverty level serving as the dependent variable. The findings of the regression tests show that mudharabah and zakat finance have a considerable negative influence on poverty, but the inflation rate has a negligible positive effect on poverty. The government, as a policymaker, can maximize the distribution of mudharabah and zakat finance for poverty alleviation initiatives; nevertheless, government must continue to pay attention to the inflation rate in order to regulate and distribute people's buying power in a balanced manner.
Pemberdayaan UMKM batik khas Jember Desa Sumberpakem melalui pelatihan desain dan digital marketing : peran teknologi online dalam meningkatkan akses pasar dan profitabilitas Zainuri Zainuri; Sebastiana Viphindrartin; Regina Niken Wilantari; Rachmania Nurul Fitri Amijaya; Ilham Imamudin; Ahmad Roziq
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 8, No 4 (2024): December
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v8i4.28157

Abstract

Abstrak Pengabdian ini berfokus pada pemberdayaan Usaha Mikro, Kecil, dan Menengah (UMKM) Batik Khas Jember di Desa Sumberpakem, Kecamatan Sumberjambe, Kabupaten Jember. Dalam rangka meningkatkan pemahaman dan penerapan teknologi online serta manajemen keuangan, Pengabdian ini menguraikan implementasi kegiatan Pengabdian Kepada Masyarakat Program Pengabdian Berbasis Pengembangan Desa Binaan (PROBANGDEBI)). Pendekatan edukatif dan pelatihan interaktif digunakan untuk membantu UMKM memperluas akses pasar dan meningkatkan profitabilitas. Metode pelaksanaan mencakup tiga tahap utama: Analisis Situasi Lapangan: Pengabdi menganalisis kondisi dan tantangan yang dihadapi oleh pelaku UMKM. Dari sini, mereka dapat mengidentifikasi area di mana teknologi online dapat memberikan dampak positif. Selanjutnya pengembangan materi edukatif: Tim Pengabdi mengembangkan materi edukatif yang relevan dengan kebutuhan UMKM. Ini mencakup pelatihan tentang penggunaan desain grafis dan strategi pemasaran. Implementasi Teknologi Online UMKM diberikan pelatihan dan pendampingan dalam menerapkan teknologi online dalam bisnis mereka. Ini melibatkan penggunaan platform e-commerce, media sosial, dan alat digital lainnya. Hasil evaluasi menunjukkan peningkatan yang signifikan dalam pengetahuan dan penggunaan teknologi online oleh pelaku UMKM. Dengan adanya pendekatan ini, diharapkan UMKM dapat lebih kompetitif, memperluas jangkauan pasar, dan meningkatkan profitabilitas mereka. Kata kunci: batik sumber pakem; pasar digital; teknologi online; akses pasar; profitabilitas. Abstract This service focuses on empowering Micro, Small, and Medium Enterprises (MSMEs) of Jember Special Batik in Sumberpakem Village, Sumberjambe District, Jember Regency. In order to improve understanding and application of online technology and financial management, and describe the implementation of Community Service activities of the Village Development-Based Service Program (PROBANGDEBI)). An educational approach and interactive training are used to help MSMEs expand market access and increase profitability. The implementation method includes three main stages: Field Situation Analysis: The Community Service analyzes the conditions and challenges faced by MSME actors. From here, they can identify areas where online technology can have a positive impact. Next is the development of educational materials: The Community Service Team develops educational materials that are relevant to the needs of MSMEs. This includes training on the use of graphic design and marketing strategies. Implementation of Online Technology MSMEs are given training and assistance in implementing online technology in their businesses. This involves the use of e-commerce platforms, social media, and other digital tools. The evaluation results showed a significant increase in knowledge and use of online technology by MSME actors. With this approach, MSMEs can be more competitive, expand their market reach, and increase their profitability.  Keywords: batik sumber pakem; digital market; online technology; market access; profitability.
IMPACT OF THIRD-PARTY FUNDS, FDR, AND NPF ON ROA OF INDONESIAN ISLAMIC BANKS Anisa Ayuni; Zulfanda Riqsya Firizqi; Rachmania Nurul Fitri Amijaya
Airlangga International Journal of Islamic Economics and Finance Vol. 9 No. 01 (2026): January-June 2026
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/aijief.v9i01.66424

Abstract

This study aims to analyze the effects of Third-Party Funds (TPF), Financing to Deposit Ratio (FDR), and Non-Performing Financing (NPF) on Return on Assets (ROA) in Sharia Commercial Banks in Indonesia during the period August 2017 to July 2024. This study uses secondary data obtained from the Financial Services Authority (OJK) and analyzed using the Vector Error Correction Model (VECM) approach. The results show that TPF and FDR have a significant negative effect on ROA, while NPF has no significant effect. The policy implications suggest that Islamic bank management should implement more measured strategies in balancing fund collection and financing distribution, as well as strengthening liquidity risk mitigation to maintain profitability stability amid economic fluctuations.
Sharia Financial Literacy, Religiosity, and MSME Loan Decisions at BSI in Genteng District Dita Nazillatul Hidayah; Rachmania Nurul Fitri Amijaya; Moch. Shulthoni
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 8 No. 1 (2026)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2026.8.1.30694

Abstract

Purpose - The purpose of this study is to examine the effect of Islamic financial literacy and religiosity on MSMEs’ decisions to apply for People’s Business Credit (KUR) financing in Banyuwangi Regency. Method - To achieve this purpose, the study uses a quantitative approach with a logistic regression analysis model to test the hypotheses. The number of respondents in this study was 100 MSME owners who had been running their businesses for at least 6 months and were located in Genteng District, Banyuwangi Regency. This study aims to determine the influence of Islamic financial literacy and religiosity on the decision to apply for a loan at Bank Syariah Indonesia's KUR program. Result - The findings of this research show that Islamic financial literacy has a positive effect on the decision to apply for KUR, and religiosity also has a significant positive effect on KUR application decisions among MSMEs in the area studied. Implication - The findings imply that improving Islamic financial literacy and strengthening sharia-based values can increase MSMEs’ willingness to access KUR financing. Therefore, Islamic banks and policymakers should prioritize financial education and value-based outreach to enhance MSME access to sustainable capital and support local economic development. Originality - This study is original in that it simultaneously examines Islamic financial literacy and religiosity as determinants of MSMEs’ decisions to apply for sharia-based KUR financing, using a logistic regression approach in a regional MSME context. Furthermore, there is a specific research gap, namely the limited empirical evidence that comprehensively analyzes how Islamic financial literacy and religiosity influence MSMEs' actual decisions to apply for Sharia-based KUR financing at the district level, particularly using a binary outcome-based dependent variable design (apply or not apply). Most previous studies have focused more on interests, perceptions, or preferences, rather than on quantitatively observed real-world decisions. Keywords: Islamic financial literacy, religiosity, Sharia KUR, MSME financing,, logistic regression, Bank Syariah Indonesia, Banyuwangi
Co-Authors Ahmad Roziq Andika Eko Prassetyo Anisa Ayuni Dita Nazillatul Hidayah Ilham Imamudin Intan Wardah Kharisma Mohammad Yusron Sholikhin Mohammad Zeqi Yasin Muhammad Shulthoni Rensia Yuliati Pratama Sebastiana Viphindrartin Wilantari, Regina Niken Zainuri Zainuri Zulfanda Riqsya Firizqi