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Minimalisasi Jumlah Tiang dalam Group Pile Melalui Pemilihan Bentuk Dasar Penampang Pondasi Tiang pada Tanah Lempung Isnaniati, Isnaniati; Riduwan, Riduwan
Jurnal Semesta Teknika Vol 17, No 2 (2014): NOVEMBER 2014
Publisher : Jurnal Semesta Teknika

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Abstract

Having very small coefficient of seepage, wide clog, , soil bearing capacity is very low., create the complexity of clay. The pole foundation is what frequently used in clay. Mostly the hard layer of clay soil is far lying under ground along with the rare use of hexagonal foundation which had widely been circular and rectangular. Minimizing the pole in pile group is one of the alternatives to reduce the construction budget. By comparing the pole circle-basis, rectangular, and hexagonal section with variation of dimension 0.3; 0.35; 0.4m, an investigation to the number of pole in pile group based on SPT for vertical soil bearing capacity as well as lateral Brooms method at each cross-sectional shape of the pole is carried out. The results obtained shows similar diameter which finds the number of poles at least up to the highest, in the pile group is a consecutive sequence of rectangular cross-sectional shape of the first, second is a circle, and the third is a hexagon. The percentage of number of rectangular pole   78% from circular and 73% from hexagonal shape.
PENGUATAN FUNGSI DPS DALAM IMPLEMENTASI PRINSIP SYARIAH PADA BTM DAN BMT MILIK MUHAMMADIYAH DAERAH ISTIMEWA YOGYAKARTA Riduwan, Riduwan; Prasetyo, Priyono Puji; Adha, Mufti Alam
Jurnal Pemberdayaan: Publikasi Hasil Pengabdian Kepada Masyarakat Vol 2, No 2 (2018)
Publisher : Universitas Ahmad Dahlan, Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (242.15 KB) | DOI: 10.12928/jp.v2i2.385

Abstract

Lahirnya Baitut Tamwil Muhammadiyah (BTM) atau Baitul Maal wa Tamwil (BMT) di lingkungan Muhammadiyah menjadi bagian penting dalam kemandirian ekonomi Muhammadiyah. BTM dan BMT merupakan lembaga keuangan mikro dengan prinsip syariah. Kegiatan utamanya terdiri pada dua bidang, yaitu bidang sosial (Baitul Maal) dan bidang bisnis (Baitul Tamwil). Sebagai lembaga keuangan Syariah, BTM dan BMT harus mendapat pengawasan yang layak, yang dilakukan oleh Dewan Pengawas Syariah. Kegiatan pengabdian kepada masyarakat dilakukan pada hari Jum’at dan Sabtu, tanggal 23-24 Maret 2018 yang bertempat di Aula Gedung PWM, Gedong Kuning, Yogyakarta. Peserta yang mengikuti kegiatan pengabdian ini berjumlah 45 orang yang berasal dari berbagai BTM dan BMT milik Muhammadiyah di Daerah Istimewa Yogyakarta. Peserta yang mengikuti pelatihan merupakan Dewan Pengawas Syariah dan Pengurus pada BMT dan BTM tersebut.
Debt And Equity-Based Financing, Size And Islamic Banks Profitability: Empirical Evidence From Indonesia Wahyudi, Rofiul; Mujibatun, Siti; Riduwan, Riduwan
IQTISHADIA Vol 12, No 2 (2019): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v12i2.3539

Abstract

Islamic Banking as a financial institution functions to collect and distribute funds to the public. To carry out these functions, the capital structure scheme uses debt and equity based financing. In addition, the implementation is also influenced by the size which ultimately affect the performance of Islamic banking. This study aims to examine debt and equity-based financing, size and Islamic banks profitability: empirical evidence from Indonesia. The research method used is model estimation test of Moderated Regression Analysis (MRA) to see size as moderation variable. Banks profitability is represented by ROA and ROE. This study uses Islamic bank panel data from financial reports published during the sample period covering 2008-2017. The empirical findings show that debt and equity-based financing affect banks profitability. Furthemore, bank size does not moderate the debt and equity-based financing relationship to Islamic banks profitability.
PELATIHAN PENGAWAS KOPERASI SYARIAH BERSERTIFIKASI DI DAERAH ISTIMEWA YOGYAKARTA Wahyudi, Rofiul; Riduwan, Riduwan; Rifan, Akhmad Arif
Jurnal Pemberdayaan: Publikasi Hasil Pengabdian Kepada Masyarakat Vol 3, No 3 (2019)
Publisher : Universitas Ahmad Dahlan, Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (697.884 KB) | DOI: 10.12928/jp.v3i3.757

Abstract

Dewan Pengawas Syariah (DPS) di Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) yang bersertifikasi jabatan pengawas syariah menjadi kebutuhan yang mendesak. Hal ini disebabkan terbatasnya jumlah DPS yang bersertifikasi di lembaga keuangan mikro syariah. Oleh karena itu, kegiatan ini bertujuan memberikan pelatihan sebagai bekal bagi Dewan Pengawas Syariah di Daerah Istimewa Yogyakarta dalam menjalankan tugas dan wewenangnya. Metode pelatihan ini menggunakan klasikal dengan menerapkan kombinasi metode: ceramah, diskusi dan role play. Hasil pelatihan menunjukkan bahwa adanya peningkatan pemahaman DPS terhadap aspek kesyariahan. 
RISK ANALYSIS OF SHARIA BANK FINANCING CONTRACT Riduwan, Riduwan; Danupranata, Gita
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol 3, No 1 (2020)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (3896.611 KB) | DOI: 10.12928/ijiefb.v3i1.1943

Abstract

Non-Performing Financing (NPF) is the inability of customers to meet their obligations in accordance with the contract, which can be categorized into three types namely substandard, doubtful and bad debt (macet). NPF is the main and biggest risk for sharia banks, hence the ability of sharia banks to identify, measure, monitor and control the risks of financing and capital provision is very important. Sharia banks will face greater risks than conventional banks because of the risk of sharia reputation. Besides being influenced by internal and external factors of sharia banks, NPF can also be influenced by the financing contract (akad) used.This study analyzes the level of financing risk based on the contract. The population and sample are all Sharia Rural Banks in Indonesia with 167 secondary data in the form of the publication of financial statements for 2011-2018. Analysis of the data using quantitative descriptive methods with a survey approach. The analyzed data are NPF data based on an eight year financing contract. This study managed to obtain data that the BPRS is more interested in financing with certainty of results, proven that murabahah has the highest outstanding compared to other contract. The results of this study also indicate that the low risk contract is in the murabahah contract, while the contract with the medium risk is in the mudarabah, musyarakah, multijasa, qard and istisna and the contract with the highest risk is salam and ijarah contract.
Debt And Equity-Based Financing, Size And Islamic Banks Profitability: Empirical Evidence From Indonesia Wahyudi, Rofiul; Mujibatun, Siti; Riduwan, Riduwan
IQTISHADIA Vol 12, No 2 (2019): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v12i2.3539

Abstract

Islamic Banking as a financial institution functions to collect and distribute funds to the public. To carry out these functions, the capital structure scheme uses debt and equity based financing. In addition, the implementation is also influenced by the size which ultimately affect the performance of Islamic banking. This study aims to examine debt and equity-based financing, size and Islamic banks profitability: empirical evidence from Indonesia. The research method used is model estimation test of Moderated Regression Analysis (MRA) to see size as moderation variable. Banks profitability is represented by ROA and ROE. This study uses Islamic bank panel data from financial reports published during the sample period covering 2008-2017. The empirical findings show that debt and equity-based financing affect banks profitability. Furthemore, bank size does not moderate the debt and equity-based financing relationship to Islamic banks profitability.
Islamic Social Reporting Disclosure of Sharia Commercial Banks in Indonesia: A Form of Social Responsibility Riduwan, Riduwan; Mutmainah, Lu’liyatul; Wahyudi, Rofiul
Shirkah: Journal of Economics and Business Vol 5, No 3 (2020)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (649.238 KB) | DOI: 10.22515/shirkah.v5i3.336

Abstract

Sharia industry development encourages experts to design Corporate Social Responsibility (CSR) disclosure index that is more compatible with the characteristics of sharia-based corporate. However, studies examining CSR disclosure using Islamic Social Reporting (ISR) index that focuses on detailed results of content analysis from time to time still remains a paucity of evidence. Hence, this study aims to examine the practice of Islamic Social Reporting disclosure of sharia commercial banks in Indonesia. Drawing on the data obtained from CSR reports established by sharia banks in Indonesia, the results of content analysis disclosed that the ISR disclosure showed a fluctuating trend. It was also revealed that the six themes of ISR index have not been optimally disclosed. ISR disclosures of sharia banks in Indonesia were categorized as good since the average disclosure reached 50% in 2015 up to 2017, especially the corporate governance disclosure. This study’s results imply that it is necessary to increase the disclosures that can be strengthened by regulations from financial regulators and Islamic banking associations to increase public trust and value-added of sharia commercial banks. This study contributes to the development of sharia banks as fruitful insights on policy recommendations for Islamic banks' top management.
Analisis Kepatuhan Syariah pada Bank Syariah: Studi Kasus Bank Pembiayaan Rakyat Syariah Maslihatin, Aini; Riduwan, Riduwan
Jurnal Maps (Manajemen Perbankan Syariah) Vol 4, No 1 (2020)
Publisher : Universitas Ma'soem

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32483/maps.v4i1.47

Abstract

Sharia compliance is the adherence of Islamic banks to Islamic rules or laws in muamalah and is one of the factors that differentiate it from conventional banks. Therefore sharia compliance is a fundamental principle in Islamic banking practices. Muamalah law, especially the economy, has a high degree of difference, so the sharia compliance standards in Indonesia refer to the Fatwa of the National Sharia Council-Indonesian Ulama Council (DSN-MUI). This study aims to analyze the practice of sharia compliance in Islamic Rural Banks (BPRS) in Indonesia. The data analyzed is the assessment of the Sharia Supervisory Board (DPS) on the practice of BPRS for five years. The sample distribution covers all regions of Indonesia with 24 units of analysi with 46 respondenss. The data analysis used quantitative descriptive analysis and compared it with the DSN-MUI fatwa. This study's results indicate that the level of compliance with Islamic rural banks in Indonesia is, on average, excellent. Other findings show that, when viewed from the contract's practice, financing with a musyarakah contract has the highest level of sharia compliance compared to separate agreements. Meanwhile, the lowest sharia compliance is in the murabahah contract. This condition is influenced because Islamic banks often use the murabahah bil wakalah contract. The weakness of this contract lies in the procurement of goods by customers, often not accompanied by proof of purchase.
PPM PENGELOLAHAN DAN PEMBINAAN USAHA MIKRO PEMBUATAN KRUPUK MUJAIR DAN BELUT DI DUKUH KAUMAN SUMBER REJO SURABAYA BARAT Kartika, Chandra; Rudiatno, Rudiatno; Suhariningsih, Lilik; Riduwan, Riduwan; Qosim, Nanang
PEDULI: Jurnal Ilmiah Pengabdian Pada Masyarakat Vol 5 No 1 (2021)
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37303/peduli.v5i1.273

Abstract

This Community Empowerment Program activity is carried out in order to provide more assistance and provide community empowerment that has been done by partners, namely Mrs. Hj. Asmaul Husna in Sumber Rejo II Rt. 3 Rw 2 Pakal Subdistrict, Benowo Surabaya located no more than 4.1 kilometers from Wijaya Putra University. Krupuk community partnership program partner in Sumber Rejo II Village Rt. 3 Rw 2 Pakal Subdistrict, Surabaya located no more than 4.5 kilometers from Wijaya Putra University, using the surrounding residents as employees and production personnel. The purpose of this Community Empowerment Program activity is to develop SME partners production krupuk Ikan with the target to be achieved is SMEs has capital in the form of a krupuk dryer oven machine to increase production, good business management, expand the market reach, have product design, have a krupuk packaging machine and halal label krupuk products, so that SMEs have the ability to be a business that is ready to meet customer demand and ready to be competent. The methods implemented in this Community Empowerment Program are training and mentoring: training on how to use a krupuk dryer oven machine, packaging machine, business management assistance so that partners become resilient and competitive SMEs. In addition, the manufacture of TTG and adequate production equipment is also carried out in this activity. Training and mentoring activities of business management carried out by including marketing management (potential market identification, promotion, selection of sales locations, entrepreneurship (innovation of krupuk production variations), financial administration (determination of production costs and preparation of simple financial statements) and quality and health management (improvement of production design, testing to obtain halal production label certification). The result of this Community Empowerment Program is expected to increase the income and productivity of the target partner group
Memahami Etika Bisnis Islam dalam Manajemen Keuangan Serta Konsep Konsep Manajemen Keuangan dalam Islam Labaika, Sindi; Adhilla, Fitroh; Riduwan, Riduwan
AL-MANHAJ: Jurnal Hukum dan Pranata Sosial Islam Vol 5 No 2 (2023)
Publisher : Fakultas Syariah INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almanhaj.v5i2.3840

Abstract

Ethics is the science that discusses the good and bad actions of human beings as far as the human mind can understand. Ethics in finance talks about financial behavior or activities that are ethically right or wrong. Islamic financial mechanisms run by financial institutions cannot be separated from sharia concepts that regulate product mechanisms and operations. The purpose of this study is to provide an explanation of what are the concepts of finance in Islam. In this research, the type of research we use is qualitative research with a descriptive approach through library research, which is a way of systematically analyzing existing literature such as articles, books, journals and documents related to the research theme and the author uses primary data sources in the form of al-Qur'an and hadith. Islamic financial management in this case the author concludes that in the Islamic treasures, the Qur'an and hadith should be used as the main source in all life activities. Likewise in financial management which is a very sensitive matter in an organization. Similarly, financial management is a very sensitive matter in an organization, especially in educational institutions. Thus, financial management must be organized as much as possible. Maximum financial management does not only depend on how to manage the finances.