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All Journal Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam J-EBIS (Jurnal Ekonomi dan Bisnis Islam) JOURNAL OF APPLIED BUSINESS ADMINISTRATION Ihtiyath : Jurnal Manajemen Keuangan Syariah Komunal Jurnal Pengabdian Masyarakat Adl Islamic Economic Jeksyah Journal of Principles Management and Bussines
Wahyudi Rusdi
Fakultas Ekonomi Dan Bisnis Islam, IAIN Sultan Amai Gorontalo, Indonesia
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Impact of Productive Waqf Management in Indonesia and Malaysia: Systematic Literature Moh Agus Nugroho; Wahyudi Rusdi; Md Mahfujur Rahman
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol 7, No 2 (2022): December 2022
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v7i2.4489

Abstract

In the management of productive waqf, Indonesia and Malaysia are countries that are quite serious in dealing with waqf issues. Both countries are also predominantly Muslim, so the impact of productive waqf management is certainly very helpful for the two countries' economies. Using the Systematic Literature Review (SLR) method to describe the impact of productive waqf management in Indonesia and Malaysia. There were 75 journals studied, filtered by timeline, type, language, country, topic and participant. Ten articles that meet the criteria. SLR identified that 90% of the population are Nazhir or waqf managers, which is a very important population for the success of productive waqf management. The agricultural management sector was the most widely used by Nazhir to maximize productive waqf with a percentage of 40%. The health sector, such as hospitals and clinics, became the productive waqf management sector which Nazhir often used to maximize income with a percentage of 30%. Then in the rental housing sector with a percentage of 20% and 10% in the minimarket or retail sector and others. The SLR method has identified a management system with a profit-sharing system, and investment allocation mapping is the method used by Nazhir.
Pemberdayaan UMKM Melalui Digitalisasi Keuangan Menggunakan Aplikasi SI APIK di Desa Torosiaje, Kab. Pohuwato, Gorontalo Muhammad Ardi; Wahyudi Rusdi; Ikrima Usman; Ummu Ainun; Hajrahwati Tahir
Komunal Jurnal Pengabdian Masyarakat Vol. 2 No. 1 (2023): Mei 2023
Publisher : Scimadly Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55657/kjpm.v2i1.92

Abstract

Torosiaje Village is a 'floating' village which is one of the tourist destinations in Pohuwato Regency, Gorontalo. This uniqueness causes the UMKMs that develop there to be dominated by UMKMs engaged in tourism and culinary. However, the problem is that almost all of these UMKMs are not yet digital-based in their financial management, everything is still manual-based, from bookkeeping to marketing. SI APIK is an Android-based financial application that aims to improve access to finance, encourage UMKMs to upgrade, and encourage the productivity of UMKSs themselves. Therefore we feel the need to provide training/outreach to the community in Torosiaje village regarding Financial Digitalization in UMKM governance, with the hope of increasing UMKM actors' understanding of the importance of digitizing finance using the SI APIK application in every financial activity starting from simple bookkeeping, financial services access to finance, organizational management, business legality and digital financial records.
Multigroup Analysis Eastern Indonesian Millenial Behavior in Using Digital Bank Moh Agus Nugroho; Wahyudi Rusdi
Journal of Applied Business Administration Vol 7 No 1 (2023): Journal of Applied Business Administration - Maret 2023
Publisher : Pusat P2M Politeknik Negeri Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30871/jaba.v7i1.5212

Abstract

Transaction value at digital banks grew by around 50.3 percent to 34.3 trillion rupiah when compared to April 2021, digital banks increased deposit interest rates to 7%. This figure is higher than commercial banks which are only 0-4%. This study examines more deeply whether East Indonesian millennials consider LPS Lebel in using and saving at digital banks. East Indonesia was chosen because the number of financial literacy is quite low. The data analysis method uses SEM-PLS and uses a gender and regional/domicile multigroup test, a use analysis of 125 respondents spread across 12 provinces in Eastern Indonesia. The results of the analysis explain that the LPS label variable (LL) and the deposit interest rate (TB) have a positive effect on the interest of Eastern Indonesian millennials in saving at digital banks. However, 88% of Eastern Indonesian millennials do not know exactly what percentage of interest is guaranteed by LPS. In addition, multigroup analysis explains that gender is not an influence on the interest of East Indonesian millennials in saving at digital banks. Meanwhile, the domicile or place of residence between respondents on the island of Sulawesi and outside the island of Sulawesi also does not have a difference
Inovasi Terbuka Pada UKM : Kondisi Saat Ini dan Pengembanganya (Tinjauan Bibliometrik Menggunakan VOSviwer) Rusdi, Wahyudi
Journal of Principles Management and Business Vol. 1 No. 02 (2022): Journal of Principles Management and Bussines
Publisher : Scimadly Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55657/jpmb.v1i02.74

Abstract

The company's open innovation is seen as a result of the availability of complementary resources and transformative capacities that provide critical support. This study aims to systematically analyze the characteristics of the study of open innovation in the scope of SMEs by using data accessed from the Scopus online database by looking at two keywords, namely open innovation and SMEs. This study uses 682 articles and is filtered based on journal requirements between 2008 and 2021 as many as 200 articles. This study answers two critical research questions. First, a bibliometric analysis to answer research questions about how many articles are currently discussing SME Open Innovation Research Trends. This study answers two critical questions in this study. First, bibliometric analysis was used to answer the research question of how many articles currently cover Research Trends in SME Open Innovation. Publications related to open innovation have steadily increased over the past decade. In 2017 and 2021, publications hit a 14-year high. The most cited article is Open Innovation in SMEs: Trends, Motives and Management Challenges by Van de Vrande et al. (2009), with 1,1359 citations. The most influential authors, Van de Vrande et al. (2009), the most influential with 1,359 and followed by Lee et al. (2010) with 886 citations.
Maximizing Returns: The Impact of Key Ratios on Bank Mega Syariah's ROA Najib, Intan Permatasari; Ajuna, Luqmanul Hakiem; Rusdi, Wahyudi; Kadim, Immawan Muhajir
Journal of Principles Management and Business Vol. 3 No. 02 (2024): October 2024
Publisher : Scimadly Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55657/jpmb.v3i02.184

Abstract

This study investigates the factors influencing Return on Assets (ROA) at PT. Bank Mega Syariah, focusing on Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Operating Costs to Operating Income (BOPO). The research utilizes quarterly financial reports from PT. Bank Mega Syariah for the 2016–2023 period and applies a quantitative research approach. Data analysis includes classical assumption testing, multiple linear regression analysis, and hypothesis testing. The classical assumption test confirms that the data meets the requirements for multiple linear regression modeling. The hypothesis testing reveals that NPF has a significant positive effect on ROA, with a p-value of 0.007 (< 0.05) and a t-value of 2.894. Conversely, FDR, with a p-value of 0.308 (> 0.05) and a t-value of 1.038, shows no significant effect on ROA despite its positive direction. BOPO demonstrates a significant negative effect on ROA, with a p-value of 0.000 (< 0.05) and a t-value of -5.374. Additionally, the F-test results indicate a significant simultaneous effect of NPF, FDR, and BOPO on ROA, with a p-value of 0.000 (< 0.05). These findings highlight the importance of efficient cost management and asset quality in enhancing profitability, while FDR requires further exploration for its potential role in financial performance.
Persaingan dalam Perbankan Syariah: Studi Perbandingan Kinerja Bank Syariah Swasta dan Pemerintah di Indonesia Aisyah, Mitra Riani; Wahyudi Rusdi
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 8 No 2 (2024): Vol. 8 No.2 Desember 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v8i2.9548

Abstract

Comparing the financial performance between privately-owned Islamic banks and government-owned Islamic banks in Indonesia is the objective of this study. The analysis is conducted using key financial ratios such as Return on Assets (ROA), Operational Costs to Operational Income (BOPO), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), and Return on Equity (ROE). These ratios were selected because they provide a comprehensive overview of profitability, operational efficiency, capital adequacy, and the banks' ability to channel financing.The data analyzed were sourced from the annual financial reports of Islamic banks in Indonesia for a specific period. This study employs a quantitative approach using SPSS 25 software to process the secondary data. Based on the analysis conducted, the findings reveal that there are no significant differences between the financial performance of government-owned and privately-owned Islamic banks in terms of ROA, BOPO, FDR, and NPF. However, significant differences were found in the CAR and ROE ratios, indicating differences in capital management strategies and the ability to generate returns on equity.These differences are likely influenced by ownership structure and the management policies of each bank. This study provides valuable insights for stakeholders in understanding the dynamics of the financial performance of Islamic banks, both privately-owned and government-owned, which can be used as a basis for strategic decision-making by investors and regulators.
Atribut Islami dan Religiusitas : Implikasinya pada Loyalitas Konsumen Skincare dan Kosmetik Halal Rusdi, Wahyudi; Putra, Farhan Soekarno; Podomi, Hestika; Nugroho, Moh Agus
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol,10 No 1 (2025)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v10i1.9331

Abstract

This study aims to contribute to the understanding of how Islamic attributes and religiosity influence consumer satisfaction and loyalty in halal skincare and cosmetic products. The research employed a survey method with questionnaires distributed via social media, targeting a sample of 190 individuals selected using purposive sampling. Data were analyzed using SEM with PLS software. The study found that both general and Islamic attributes significantly enhance consumer satisfaction, which is crucial for businesses in Islamic markets. However, Islamic religiosity does not significantly affect the relationship between satisfaction and loyalty, indicating that product quality and service are more important for building consumer loyalty. Businesses should focus on other aspects to strengthen loyalty in Islamic markets.
PENGARUH NON PERFORMING FINANCING, RASIO BIAYA OPERASIONAL PADA PENDAPATAN OPERASIONAL, DAN FINANCING TO DEPOSIT RATIO TERHADAP PROFITABILITAS BANK SYARIAH DI INDONESIA TAHUN 2018 - 2022 Aisyah, Mitra Riani; Rusdi, Wahyudi; Fadhilah, Nurul
ADL ISLAMIC ECONOMIC : Jurnal Kajian Ekonomi Islam Vol 5 No 1 (2024): Adl Islamic Economic: Jurnal Kajian Ekonomi Islam
Publisher : Sekolah Tinggi Ekonomi Islam Al-Furqon Prabumulih

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56644/adl.v5i1.111

Abstract

Indonesia merupakan negara dengan populasi muslim yang besar, perbankan syariah sangat diperlukan sebagai lembaga keuangan alternatif yang sesuai dengan prinsip Islam. Dalam persaingan dengan perbankan konvensional, Perbankan syariah terus mempelihatkan kinerja positf dengan nilai aset, dana pihak ketiga (DPK) yang terus meningkat, dan diiringi dengan kenaikan pembiayaan yang disalurkan. Penelitian ini bertujuan untuk meneliti Non Performing Financing (NPF), Beban Operasional Per Pendapatan Operasional (BOPO), dan Financing To Deposit Ratio (FDR) berpengaruh secara simultan maupun parsial terhadap Return On Asset (ROA) pada Bank Syariah di Indonesia tahun 2018-2022. Penelitian ini merupakan penelitian kuantitatif. Populasi yang berada pada penelitian ini merupakan seluruh Bank Syariah yang Terdaftar di Bursa Efek Indonesia. Pengambilan sampel yang digunakan dalam penelitian ini menggunakan Teknik Purposive Sampling. Sampel yang digunakan pada penelitian ini hanya berjumlah 5 Bank Syariah. Data yang digunakan dalam penelitian ini diperoleh dari laporan keuangan yang telah dipublikasi dari situs resmi Bursa Efek Indonesia selama tahun 2018-2022. Hasil penelitian secara simultan menunjukkan bahwa NPF, BOPO, dan FDR berpengaruh signifikan terhadap ROA. Hasil penelitian secara parsial menunjukkan bahwa NPF tidak berpengaruh signifikan terhadap ROA. Kemudian untuk BOPO berpengaruh signifikan terhadap ROA, dan LDR tidak berpengaruh signifikan terhadap ROA.
Analisis Efektifivitas Pendapatan Asli Daerah Dalam Menilai Kinerja Badan Pengelolaan Keuangan Dan Pendapatan Daerah Kabupaten Bolaang Mongondow Selatan Rusdi, Wahyudi; Aliu, Revaldi
Jeksyah: Islamic Economics Journal Vol. 1 No. 1 (2021): May 2021 Edition
Publisher : Fakultas Ekonomi dan Bisnis Islam _ IAIN Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1017.692 KB) | DOI: 10.54045/jeksyah.v1i1.28

Abstract

The purpose of this study was to determine the Financial Performance of South Bolaang Mongondow Regency (Bolsel) through an analysis of the effectiveness of PAD. The object of the research is the Regional Finance and Revenue Management Agency (BPKPD) of South Bolaang Mongondow Regency. The data used is secondary data from the 2017-2020 budget realization report. The data analysis technique is descriptive quantitative analysis. The results showed that the analysis of the effectiveness of PAD at the BPKPD of South Bolaang Mongondow Regency in 2017 and 2018 was quite effective, then increased to very effective in 2019 and 2020. For Trend analysis in the next 5 years, the results tend to increase, this is a very good implementation of performance. South Bolaang Mongondow Regency.
Pengaruh Kepribadian Islami, Akses Informasi, Dan Inovasi Bisnis Terhadap Kinerja Bisnis (Studi Usaha Penyulingan Minyak Daun Cengkeh Kabupaten Sinjai) Fatha Isman, Ainul; Rusdi, Wahyudi
Jeksyah: Islamic Economics Journal Vol. 2 No. 01 (2022): May 2022 Edition
Publisher : Fakultas Ekonomi dan Bisnis Islam _ IAIN Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (836.813 KB) | DOI: 10.54045/jeksyah.v2i01.53

Abstract

Entrepreneurship is one of the drivers of Indonesian economy, is needed to improve the performance of the business. Many aspects can affect the performance of a business so that it can develop. The purpose of this study is to analyze the influence of Islamic personality, information access, and business innovation on business performance in the clove daub oil refining business. The research methodology used is quantitative research with a descriptive analysis approach. The results of this study show that Islamic personality does not have a positive effect on the business performance of clove leaf oil refining business. Meanwhile, information access and business innovation have a significant effect on the business performance of clove leaf oil refining business. Information access is the most influential aspect of the business performance of clove leaf oil refining business, especially in the current era of digital development. The implications of this research are to develop micro, small and medium enterprises and to support the progress of entrepreneurship, especially in empowering regional potential.
Co-Authors Aisyah, Mitra Riani Ajuna, Luqmanul Hakiem Aliu, Revaldi Fatha Isman, Ainul Hajrahwati Tahir Ikrima Usman Kadim, Immawan Muhajir Md Mahfujur Rahman Moh Agus Nugroho Muhammad Ardi Najib, Intan Permatasari Nurul Fadhilah Podomi, Hestika Putra, Farhan Soekarno Ummu Ainun