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Optimalisasi Fungsi Barang Milik Negara (BMN) Melalui Sukuk Sebagai Instrumen Pembiayaan Nasional Rosyidah, Norma
Jurnal Ekonomi dan Bisnis Islam Vol 1, No 2 (2015): Juli - Desember 2015
Publisher : Departemen Ekonomi Syariah Fakultas Ekonomi dan Bisnis Universitas Airlangga

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Abstract

This study analyzes the optimization of BMN used as basis for the issuance of sukuk. The amount of assets BMN are still not up and not yet recorded an obstacle little realization of sukuk issued by the government. With the growing of covering BMN assets that are then used as SBSN’s asset, it can be utilized optimally. Assets that were previously idle and neglected, finally can have economic value and maintained condition. This research uses descriptive method, where data is used is an increasing number of BMN sukuk issuance and realization of 2008-2013. Keyword : BMN, Sukuk
KAUSALITAS GRANGER PERTUMBUHAN EKONOMI (GDP) - EKSPOR DI NEGARA-NEGARA ISLAM Rosyidah, Norma
Bisei : Jurnal Bisnis dan Ekonomi Islam Vol 1 No 1 (2016)
Publisher : Fakultas Ekonomi, Universitas Hasyim Asy'ari Tebuireng Jombang

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Abstract

Paper ini menguji kemungkinan kausalitas grangerantara log real export riil dan GDP riil pada empat negara yangtergabung dalam negara OIC (Organization of IslamicConference) yang memiliki market share terbesar. Data diperolehdari worldbank dan IMF mulai tahun 1995-2013. Metodependekatan yang digunakan adalah ECM dipadu dengan FPEserta granger causality. Model bivariate yang mengfokuskan padasebuah hubungan langsung yang mendominasi antara ekspor danGDP dalam satu periode. Hasil dari penelitian ini terlihat darihasil estimasi menggunakan eviews versi 6 bahwa Malaysia danTurkey mempunyai hubungan timbal balik (feedback) antaraekspor dan GDP, sedangkan Indonesia dan Saudi Arabia memilikihubungan yang tidak signifikan atau tidak saling mempengaruhiantara ekspor dan GDP.Kata Kunci : Ekspor, GDP, kausalitas Grange
PENGELOLAAN DANA HIBAH MANDIRI ENTREPRENEUR CENTER UNTUK PENGEMBANGAN USAHA PARA ALUMNI Rosyidah, Norma; Al Fiqri, Saifunuha
Bisei : Jurnal Bisnis dan Ekonomi Islam Vol 4 No 02 (2019): Desember
Publisher : Fakultas Ekonomi, Universitas Hasyim Asy'ari Tebuireng Jombang

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Abstract

This study aims to find out how the management of Mandiri Enterpreneur Center (MEC) grants in increasing the productivity of the business being run. In this study using a qualitative approach with descriptive analysis. Respondents in this study were 8 MEC alumni who received revolving grant funds from MEC in 2017 and 2018. The results of this study indicate that 62.5% of MEC alumni who received revolving funds were successful in starting their businesses. Then just 25% of MEC alumni who get revolving funds have succeeded in developing a business that is run. And only 12.5% of MEC alumni are unsuccessful in running their businesses. Based on these results it can be concluded that the revolving fund which became the MEC program has succeeded in increasing the productivity of alumni.
Does Zakat and Non-Zakat Empowerment Affect Mustahiq Welfare Based on Maqashid Shariah? Widiastuti, Tika; Auwalin, Ilmiawan; Rani, Lina Nugraha; Mawardi, Imron; Al Mustofa, Muhammad Ubaidillah; Rosyidah, Norma; Mahmudah, Siti Nur
al-Uqud : Journal of Islamic Economics Vol 5, No 1 (2021): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (499.588 KB) | DOI: 10.26740/al-uqud.v5n1.p76-96

Abstract

This study explores the effect of zakat and non-zakat empowerment programs on the beneficiaries' welfare (mustahiq). This study focuses on the influence of the intervening variable, namely the mustahiq businesses' growth on mustahiq welfare. This study also examines the role of demographic characteristics, such as age, gender, and years of education on mustahiq business growth. This study employs the Partial Least Square-Structural Equation Model (PLS-SEM) using data from 100 respondents who received empowerment assistance from three different zakat institutions. The sample of mustahiq was selected from three zakat institutions to provide a diversity of respondents. The results indicate that zakat and non-zakat programs' empowerment through business growth has significantly affected mustahiq welfare. With these results, both zakat and non-zakat productive programs should be more developed to assist the community businesses' growth optimally. Previous studies measure the welfare of mustahiq with material aspects. In this study, the indicator of welfare is based on maqashid sharia, which includes the protection of Ad-Din (religion), An-Nafs (Soul), Al-Aql (intellect), Al-Nasl (descendant), and Al-Maal (wealth). Examining the impact of two variables, namely productive empowerment programs through zakat and non-zakat, on mustahiq business growth and welfare is the novelty of this study.
PENGARUH PERSEPSI, MOTIVASI, DAN PENGETAHUAN PRODUK TERHADAP MINAT MENABUNG DI BANK SYARIAH PADA MASYARAKAT KABUPATEN SIDOARJO Habibatul Hazarillah, Azmiel; Rosyidah, Norma
Islamic Economics And Finance Journal Vol 2 No 1 (2023): ISECO
Publisher : Sekolah Tinggi Agama Islam Muafi Sampang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62005/iseco.v2i1.37

Abstract

Indonesia memiliki dua sistem perbankan sejak tahun 1998. Dengan berjalannya waktu, pada bulan Desember 2003, MUI mengeluarkan fatwa terhadap bank-bank Islam baru seperti ICB, IBU, dan IPFB sehingga mulai mempengaruhi minat menabung pada bank Syariah. Penelitian ini menganalisis bagaimana persepsi, motivasi, dan pengetahuan produk mempengaruhi minat di bank-bank yang mematuhi Syariah di Kabupaten Sidoarjo. Penelitian ini menggunakan pendekatan kuantitatif yang dilakukan dengan mengirimkan kuesioner ke klien bank yang mematuhi Syariah menggunakan google form serta salinan cetak dan dianalisis melalui SPSS untuk mengevaluasi data yang dikumpulkan melalui penggunaan kuesioner. Berdasarkan tes validitas, semua item kuesioner, baik independen maupun non-independen yang digunakan dalam penelitian ini dengan 71 klien menunjukkan bahwa persepsi, motivasi, dan pengetahuan produk mempengaruhi motivasi pembuatan rekening bank Syariah.
Pengaruh Pengeluaran Zakat Perbankan, Ukuran Perusahaan dan Islamic Social Responsibility (ISR)Terhadap Profitabilitas Pada Bank Umum Syariah di Indonesia Periode 2017-2022 Agustin, Shinta Dwi; Rosyidah, Norma
Jurnal EMT KITA Vol 8 No 1 (2024): JANUARY 2024
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v8i1.2085

Abstract

This research aims to investigate the impact of zakat expenditure by banks, company size, and Islamic social responsibility on profits. This research data was obtained from the annual financial report (Annual Report) of sharia commercial banks for the 2017-2022 period. The research method used is quantitative with data analysis using a multiple linear regression model. Hypothesis testing is carried out through partial tests (T test) and simultaneous tests (F test) with a significance level of 5%. Simultaneous test results show that bank zakat expenditure, company size, and ISR together have a positive and significant effect on profits. Partially, the bank zakat expenditure variable shows a positive and significant effect on profits, while company size and ISR do not have a significant effect on profits of sharia commercial banks. Testing each independent variable on the dependent variable shows that the zakat expenditure variable (X1) does not have a positive and significant effect on profit (Y). Company size (X2) has a partial effect on profit (Y) with a significant signature value. On the other hand, the ISR variable (X3) does not have a significant influence on profits (Y) in Islamic commercial banks in Indonesia.
Pengaruh Tingkat Pendapatan Dan Pengetahuan Zakat Profesi Terhadap Minat Berzakat Di Kalangan Milenial Rosyidah, Norma; Nausan, Aira Vema Mutiara; Faujiah, Ani
EKALAYA : Jurnal Ekonomi Akuntansi Vol. 1 No. 3 (2023): Ekalaya : Jurnal Ekonomi Akuntansi
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/ekalaya.v1i3.195

Abstract

Professional zakat is a common thing to hear among Muslims, one of the obligations that must be carried out in accordance with the guidance of syariát. In the current conditions where millennials are a generation that has a fairly high population and has unique characteristics based on region and socio-economic conditions. The millennial generation is also a generation that is familiar with the use of communication tools, media, and digital technology. In this case, it is very possible for the millennial generation to be able to have a job that has a promising income level and has extensive knowledge about important things or issues, the only thing about the obligation of professional zakat. The results showed that the variable income level had a significant effect in the interest in the difference among millennials. The variable knowledge of professional zakat has a significant effect on the interest in charity among millennials. Variables in the level of income and knowledge of professional zakat simultaneously have a significant effect on the interest in charity among millennials.
Do Fundamental Analysis Drive IDX-MES in Indonesia? Wasilah, Fadlatul; Rosyidah, Norma
MUTLAQAH: Jurnal Kajian Ekonomi Syariah Vol 4, No 1 (2023): Edisi Juli
Publisher : Universitas Islam Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30743/mutlaqah.v4i1.8371

Abstract

Islam menganjurkan umatnya untuk melakukan investasi dengan tetap memperhatikan prinsip, etika serta hukum ekonomi syariah. Meningkatnya minat investor terhadap saham syariah mendorong BEI meluncurkan indeks saham syariah diantaranya IDX-MES BUMN 17. Indeks IDX-MES BUMN 17 dipilih karena perusahaan-perusahaan yang termasuk ke dalam indeks ini memiliki likuiditas baik, kapitalisasi pasar besar serta didukung oleh faktor fundamental perusahaan yang baik. Dalam berinvestasi diperlukan metode yang tepat untuk menghindari kerugian yang besar diantaranya melalui analisis fundamental. Penelitian ini bertujuan untuk menguji pengaruh ROE, PBV, DER, CR dan TATO terhadap harga saham syariah yang tergabung dalam indeks IDX-MES BUMN 17. Data penelitian berupa data triwulan yang bersumber dari laporan keuangan 17 perusahaaan BUMN periode Januari 2019 – Desember 2022. Metode yang digunakan adalah analisis regresi linier berganda dengan alat bantu SPSS. Hasil penelitian menunjukkan ROE tidak berpengaruh siginifikan dan positif terhadap harga saham syariah indeks IDX-MES BUMN 17. Sedangkan variabel PBV, DER, CR dan TATO berpengaruh positif dan signifikan terhadap harga saham syariah indeks IDX-MES BUMN 17. Secara simultan ROE, PBV, DER, CR dan TATO berpengaruh signifikan terhadap harga saham syariah indeks IDX-MES BUMN 17 dengan nilai koefisien determinasi (R2) sebesar 75,9 %.
Pendampingan Penguatan Kapasitas Financial Report Melalui Pendekatan Community Based Research Rosyidah, Norma
Ngabekti: Jurnal Pengabdian kepada Masyarakat Vol. 2 No. 2 (2024): Ngabekti: Edisi Desember 2024
Publisher : STAI Ma'had Aly Al-Hikam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32478/ph6w9g38

Abstract

Abstract Cooperatives are the cornerstone of the Indonesian economy. One form of cooperative that exists is a savings and loan cooperative and sharia financing whose members are women in one association (fatayat/muslimat). The Community Based Research (CBR) method has found three problems namely non-performing financing, cannot conducting RAT, lack of knowledge and skills. Then some solution was found jointly between researchers and KSPPS administrators. The CBR method is research carried out with a commitment from the community to provide support, resources, and also involvement in the research process to produce research products that are beneficial to them and the researchers involved in the research process. The assistance provided by the researcher, based on the problems faced by KSPSS Az Zahra that are members of the Sharia Economic Forum (FES) organization of the Sidoarjo Regional Coordinator of East Java. Keywords: Financial Report, Cooperative, CBR, KSPPS Az Zahra. Abstrak Koperasi merupakan soko guru perekonomian Indonesia. Salah satu bentuk koperasi yang ada adalah koperasi simpan pinjam dan pembiayaan syariah yang anggotanya adalah perempuan dalam satu perkumpulan (fatayat/muslimat). Metode Community Based Research (CBR) menemukan tiga permasalahan yaitu pembiayaan bermasalah, tidak dapat melakukan RAT, kurangnya pengetahuan dan keterampilan. Kemudian ditemukan solusi bersama antara peneliti dan pengurus KSPPS. Metode CBR merupakan penelitian yang dilakukan dengan komitmen masyarakat untuk memberikan dukungan, sumber daya, dan juga keterlibatan dalam proses penelitian sehingga menghasilkan produk penelitian yang bermanfaat bagi dirinya dan para peneliti yang terlibat dalam proses penelitian tersebut. Bantuan yang diberikan peneliti, berdasarkan permasalahan yang dihadapi oleh KSPSS Az Zahra yang tergabung dalam organisasi Forum Ekonomi Syariah (FES) Koordinator Regional Sidoarjo Jawa Timur. Kata Kunci: Laporan Keuangan, Koperasi, CBR, KSPPS Az Zahra.
PENGARUH VARIABEL MAKROEKONOMI TERHADAP INDEKS HARGA SAHAM PADA JAKARTA ISLAMIC INDEX 70 Mufid, Asep Kholidul; Rosyidah, Norma
Journal of Financial Economics & Investment Vol. 4 No. 2 (2024): Journal of Financial Economics & Investment
Publisher : Program Studi Ekonomi Pembangunan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jofei.v4i2.32764

Abstract

Macroeconomic variables such as inflation, exchange rates, money supply and Gross Domestic Product continue to fluctuate in each period, so they are indicated to have an influence on activities that occur in the Indonesian capital market. This research aims to analyze the influence of inflation, exchange rate, money supply and Gross Domestic Product on the Jakarta Islamic Index 70 (JJI70)' stock price index. The data used in this research is quarterly secondary data from 2018 to 2022. The analytical method used is multiple linear regression analysis. The research results show that inflation, the exchange rate and the money supply have a significant effect on the JJI70 stock price index, while the Gross Domestic Product variable does not have a significant effect on the JJI70 stock price index.