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All Journal Jurnal Ekonomi dan Bisnis Islam Jurnal EMT KITA al-Uqud : Journal of Islamic Economics BISEI: Jurnal Bisnis dan Ekonomi Islam Proceedings of Annual Conference for Muslim Scholars Airlangga Journal of Innovation Management Ekosiana : Jurnal Ekonomi Syariah Izdihar : Jurnal Ekonomi Syariah Journal of Financial Economics & Investment Mutlaqah: Jurnal Kajian Ekonomi Syariah Journal of Economics and Policy Studies (JEPS) Islamic Economics And Finance Journal Ekalaya : Jurnal Ekonomi Akuntansi International Conference on Islamic Economic Ngabekti: Jurnal Pengabdian kepada Masyarakat Dinamis: Jurnal Pengabdian Kepada Masyarakat International Conference on Islamic Studies
Norma Rosyidah, Norma
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Religion Humanities Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Pendampingan Pembuatan Laporan Keuangan KSPPSAl-Amanah Sawocangkring Sidoarjo Menggunakan Metode CBR Rosyidah, Norma
Dinamis: Jurnal Pengabdian Kepada Masyarakat Vol. 1 No. 2 (2021): Desember 2021
Publisher : Universitas Hasyim Asy'ari Tebuireng Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/dinamis.v1i2.5720

Abstract

Perkembangan koperasi di Indonesia cukup pesat, salah satunya adalah KSPPS dimana anggotanya adalah perkumpulan ibu-ibu disalah satu daerah. Salah satu permasalahan yang menghambat keberhasilan KSPPS adalah manajemen keuangan. Dengan menggunakan metode Community Based Research (CBR) ditemukan tiga permasalahan yaitu pembiayaan macet, belum melakukan RAT dan kurangnya pengetahuan dan keterampilan. Kemudian solusi ditemukan bersama antara peneliti dan para pengurus KSPPS. Metode CBR adalah penelitian yang dilakukan atas sebuah komitmen dari masyarakat untuk memberikan dukungan kekuatan, sumber daya dan juga keterlibatan dalam proses penelitian dalam rangka menghasilkan produk penelitian yang bermanfaat bagi mereka dan juga para peneliti yang terlibat dalam proses penelitian tersebut. Pendampingan yang dilakukan peneliti berdasarkan permasalahan yang dihadapai oleh KSPSS yang tergabung dalam organisasi Forum Ekonomi Syariah (FES) korwil Sidoarjo Jawa Timur
PENGARUH PERSEPSI, MOTIVASI, DAN PENGETAHUAN PRODUK TERHADAP MINAT MENABUNG DI BANK SYARIAH PADA MASYARAKAT KABUPATEN SIDOARJO Hazarillah, Azmiel Habibatul; Rosyidah, Norma
Izdihar: Jurnal Ekonomi Syariah Vol. 3 No. 02 (2023): Oktober
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v3i02.3678

Abstract

Indonesia’s development Banking is increasing from year to year. Since the enactment of Law Number 10 of 1998 which states the existence of a dual banking system and the 2003 MUI fatwa concerning banking interest rates prohibition, this is a strength for Islamic banks to continue to grow. This very significant Islamic banks development is proof that Islamic banks are getting closer to the community. The people of Sidoarjo Regency themselves have their own interest in saving at Islamic banks, whether it is seen from the products they have, their perception of Islamic banks, or the motivation for the community in Sidoarjo Regency to save in Islamic banks. This study is a quantitative study that analyzes the effect of perception, motivation, and product knowledge on interest in saving in Islamic banks. The sample in this study found 71 respondents, namely the people of Sidoarjo Regency who have become customers at Islamic banks. The data obtained were processed using SPPS 23. The results of this study indicate that partially perception, motivation, and product knowledge affect the interest in saving in Islamic banks. Simultaneously perception, motivation, and product knowledge have a significant effect on interest in saving in Islamic banks Keywords: Perception, Motivation, Product knowledge, Interest in saving  
PENGARUH NPF, FDR, CAR, BOPO TERHADAP ROE BANK SYARIAH Handayani, Dini; Rosyidah, Norma; Rani, Rani
Izdihar: Jurnal Ekonomi Syariah Vol. 4 No. 01 (2024): April
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v4i01.3820

Abstract

The research objective is to serve as a source of information regarding the influence of NPF, FDR, CAR, BOPO, on ROE of Islamic commercial banks. knowing the effect of Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) and Capital Adquacy Ratio (CAR) to Return On Equity (BOPO) Operational Expenses and Operational Income (ROE) of Islamic banks either partially or partially simultaneously. This research is a quantitative research with an explanatory approach. The population in this study are all Islamic Commercial Banks in Indonesia. Deep sample This research was conducted by purposive sampling which resulted in a sample of 15 banks General Sharia. The data source in this study is secondary data taken from reports (OJK). Data collection was taken in the Times Series for six years. Data analysis was performed by carrying out multiple linear regression tests with SPSS which includes descriptive statistical tests, Classical Assumption Test, T Test and F Test. This study resulted that the effect of NPF on ROE obtained a T value of -0.538 with a significance of 0.686 so that Tcount > Ttable (2.446) and a significance of 0.686 > 0.05. So that the NPF has a negative effect and is not significant. Influence FDR on ROE obtained a t value of -5.754 with a significance of 0.110 so that T count > Ttable (- 5.754> 2.446) and a significance of 0.110 > 0.05 so that FDR has a negative effect and does not significant to ROE. The effect of CAR on ROE obtained a T value of -7,994 with a significance of 0.079 so that T count < T table (-7,994 > 2,446) and a significance of 0.079 > 0.05 so that CAR has a negative effect and is not significant on ROE. The effect of BOPO on ROE obtained a value of -29,744 with a significant 0.021 so that T count > T table (2,446) is significant 0.021 Ttable (691,841 > 2,446) and a significance of 0.029 > 0.05 so that simultaneously NPF, FDR, CAR and BOPO had a positive and significant effect on ROE Keywords: : NPF, FDR ,CAR, BOPO, Islamic Bank
Modernisasi Strategi Penghimpunan Dana Zakat, Infak Dan Sedekah (Studi Kasus Di Rumah Singgah Cariu) Rosyidah, Norma; Nuraeni, Siti
International Conference on Islamic Economic (ICIE) Vol. 2 No. 1 (2023): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v2i1.131

Abstract

The presence of private zakat management (LAZ; Lembaga Amil Zakat) in charge of collecting and distributing ZIS funds is very helpful in maximizing the potential of ZIS in Indonesia to be well collected. One of the LAZ in Indonesia that operates in the collection and distribution of ZIS is Rumah Singgah. Rumah Singgah is the first LAZ to operate in Cariu, East Bogor. Rumah Singgah uses social media as a promotional medium in the collection of ZIS funds by creating creative and innovative content. TThis research aims to find out the extent to which modernization strategies play a role in the collection of ZIS in Rumah Singgah. The research method used in this study is a qualitative descriptive method, using data collection techniques by interviews, observations and documentation. The results of this study revealed that there was a significant increase in ZIS funds collected, amounting to Rp. 240,724,488 in 2021. Modernization Strategy in the collection of ZIS funds proved to increase the confidence of muzakki to entrust its ZIS funds managed by Rumah Singgah.
Pengaruh Inflasi, Pengangguran, Kemiskinan, Dan Pembiayaan Perbankan Terhadap Pertumbuhan Ekonomi Di Indonesia Hidayatullah, Muhammad Suib; Rosyidah, Norma; Saifuddin, Saifuddin
International Conference on Islamic Economic (ICIE) Vol. 2 No. 2 (2023): October
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v2i2.276

Abstract

One important aspect of national development is the development of a country with the ultimate goal of improving people's welfare. This happened in Indonesia. So, research should be carried out to find out what are the obstacles hindering Indonesia's economic growth. The purpose of this study is to find out how inflation, unemployment, poverty, Islamic banking financing affect Indonesia's economic growth partially and simultaneously. This study uses secondary information arranged in chronological order from 2014 to 2022. This information was obtained from the official websites of Bank Indonesia, the Central Bureau of Statistics and OJK. The independent variables in this study are inflation, unemployment, poverty, and Islamic banking financing, while the dependent variable is economic growth. This study uses multiple regression analysis, T-test, coefficient of determination, and F-test. The results of the research show that inflation, unemployment, poverty, bank financing simultaneously affect Indonesia's economic growth by 65.2%. Other variables not included in this study affect the remaining 34.8%.
Pemberdayaan Dana ZISWAF (Zakat, Infaq, Sedekah dan Wakaf) Puspitasari, Nita; Rosyidah, Norma; Syaifudiin, Syaifudiin
International Conference on Islamic Economic (ICIE) Vol. 3 No. 1 (2024): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v3i1.282

Abstract

Penguatan sumber daya ZISWAF menjadi salah satu strategi utama untuk meningkatkan kesejahteraan masyarakat. Tujuan penelitian ini adalah menganalisis efektivitas dan dampak positif penguatan Dana ZISWAF dalam hal peningkatan ekonomi dan sosial masyarakat. Metode penelitian yang digunakan adalah metode kualitatif dan data yang diperoleh dari tinjauan Pustaka serta wawancara. Hasil penelitian menunjukkan bahwa penguatan pendanaan ZISWAF berhasil meningkatkan akses masyarakat terhadap pendidikan, kesehatan, dan peluang ekonomi. Pendekatan partisipatif dalam pengelolaan Dana ZISWAF juga memberikan dampak positif dalam penguatan komunitas lokal. Selama implementasi, kami menemukan bahwa kerja sama antara lembaga Amil Zakat, pemerintah, dan masyarakat sangat penting untuk mencapai hasil yang optimal. Selain itu, pendekatan yang komprehensif dan transparan terhadap pengelolaan Dana ZISWAF memastikan kepercayaan dan partisipasi aktif masyarakat. Studi ini memberikan kontribusi penting bagi pengembangan model pemberdayaan Dana ZISWAF yang dapat diadopsi dan diadaptasi oleh Lembaga lain. Implikasi praktis dari penelitian ini adalah pentingnya mengembangkan kebijakan yang mendukung penguatan dana ZISWAF dan meningkatkan kapasitas lembaga Amil Zakat dalam mengelola dana tersebut secara efektif dan efisien. Kata Kunci: ZISWAF, Pemberdayaan, Masyarakat
Peran Sertifikasi Halal dalam Membangun Resiliensi Komunitas Muslim melalui Revitalisasi Kearifan Lokal Rosyidah, Norma
Proceedings of Annual Conference for Muslim Scholars Vol 8 No 1 (2024): AnCoMS, Oktober 2024
Publisher : Koordinatorat Perguruan Tinggi Keagamaan Islam Swasta Wilayah IV Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36835/ancoms.v8i1.600

Abstract

Halal certification is not just a label on a product but is also an essential instrument in strengthening Islamic identity and values in a multicultural society. This research explores how halal certification interacts with local wisdom to facilitate the internalization of Islamic values. Through case studies on several MSMEs, this research shows that halal certification influences consumption choices and encourages the revitalization of relevant local religious practices. Local wisdom, such as traditional knowledge about halal food ingredients, processing processes, and social justice values, acts as a bridge between universal Islamic values and the cultural context of society. Thus, halal certification is not only a product quality standard but also a catalyst for economic development based on Islamic values rooted in local wisdom.
ANALISIS PENGARUH PEMBIAYAAN BAGI HASIL, MURABAHAH, DAN IJARAH TERHADAP KINERJA KEUANGAN BANK UMUM SYARIAH DI INDONESIA PERODE 2014-2022 Suciati, Ajeng; Soimah, Nuril Hidayatus; Rosyidah, Norma
Journal of Economics and Policy Studies (JEPS) Vol 4 No 01 (2023): JEPS Vol 4 No 1 2023
Publisher : UIN Sayyid Ali Rahmatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/jeps.v4i01.8278

Abstract

Penelitian ini dilakukan untuk mengetahui pengaruh pembiayaan bagi hasil, murabahah, dan ijarah terhadap kinerja keuangan bank umum syariah periode 2014-2022. Dalam penelitian ini menggunakan metode kuantitatif dengan analisis regresi linear berganda dengan alat SPSS. Teknik penentuan sampel menggunakan metode porpusive sampling dikarenakan peneliti membutuhkan kriteria tertentu yaitu ROA pada kinerja keuangan bank umum syariah yang telah mempublikasikan rasio keuangan. Data yang digunakan dalam penelitian ini merupakan data sekunder dengan teknik pengumpulan data time series dari tahun 2014 sampai 2022. Hasil penelitian ini menunjukkan nilai Adjusted R square sebesar 0.927 (92.7%) karena adanya pengaruh pembiayaan bagi hasil yang signifikan terhadap ROA pada kinerja keuangan bank umum syariah dan berbanding terbalik dengan hasil pengaruh dari pembiayaan murabahah dan ijarah terhadap kinerja keuangan bank umum syraiah.
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

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/bisei.v4i02.713

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.
Co-Authors Agustin, Shinta Dwi Aini, Anisa Nur Al Fiqri, Saifunuha Al Mustofa, Muhammad Ubaidillah Ali Hamdan Dini Handayani, Dini Fadlatul Wasilah Faujiah, Ani Habibatul Hazarillah, Azmiel Hazarillah, Azmiel Habibatul Hidayatullah, Muhammad Suib Ilmiawan Auwalin Imron Mawardi Isnatul Kasanah Luthfiyah Mahmudah, Siti Nur Mufid, Asep Kholidul Nausan, Aira Vema Mutiara nita puspitasari Ramadhani, Ivon Novita RANI RANI, RANI Rani, Lina Nugraha Saifuddin Saifuddin Siti Nuraeni, Siti Soimah, Nuril Hidayatus Suciati, Ajeng Syaifudiin, Syaifudiin Tika Widiastuti Tirta, Junita Puji Lestari Umi Nurkhasanah Wasilah, Fadlatul Yani Nurul Lita