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All Journal Economic Journal of Emerging Markets Al-Manahij: Jurnal Kajian Hukum Islam GANDRUNG: Jurnal Pengabdian Kepada Masyarakat Social Science Studies Ijtimā`iyya: Journal of Muslim Society Research Solidaritas: Jurnal Pengabdian Jurnal Ilmiah Nusantara

Dani Kusumastuti Kusumastuti

Fakultas Ekonomi Dan Bisnis Islam IAIN Purwokerto

Author-ID : 5825866

Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Physics Social Sciences Other

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Articles

Instrumen Derivatif dan Mekanisme Hedging dalam Perspektif Syariâ€™ah Islam Kusumastuti, Dani
Al-Manahij: Jurnal Kajian Hukum Islam Vol 2 No 2 (2008)
Publisher : Fakultas Syariah IAIN Purwokerto

The application of derivative instruments have been broadly expanded. As a hedging instrument, it is now becomes so far as an investment instrument that traded in the market in massive volume. Major of Islamic scholars have found them to be objectionable based on the juridical nature of contractual arrangements. This paper explains the expanding function of contemporary derivatives and reviews the scholars legal point of view. This paper also defines the basic norms of Islamic financial ethics as the guidance for developing Islamic financial instrument. In the last section of this paper examines alternative for Islamic hedging based on salam and al-khiya>r principles, which completed by syariâ€™ah insurance.

Problem Penerapan Bagi Hasil dalam Pembiayaan di Perbankan Syariah Kusumastuti, Dani
Al-Manahij: Jurnal Kajian Hukum Islam Vol 4 No 2 (2010)
Publisher : Fakultas Syariah IAIN Purwokerto

Instead of the rationale and potential benefits of the PLS system emphasized by the academic community, experiences indicate some inherent problems in applying PLS mode of financing. These problems prevent banks from adopting the PLS financing contract, thus there is a lack of profit-loss sharing (PLS) contract in the practice of Islamic banking. Basically, the problems arose from the nature of the system itself, which does not ascertain the rate of return positively, this system gives a wide range of freedom that release the user of the fund to manage and control the activity and productivity of the business. On the other side, it potentially brings Islamic Banks to face to face with the problem of moral hazard and adverse selection done by the user of the fund (businessman). These main problems derived from the existence of asymmetric information between the bank and the user of the fund. To be able to contribute to the economic stability, shariah banking should dominate their financing portfolio based on the PLS system. For that aim, many ways are offered.

Dynamic Systems Modeling for Sustainable Economic Empowerment in Cilacap Nurul Anwar; Nita Triana; Dani Kusumastuti
Economic Journal of Emerging Markets Volume 1 Issue 3, 2009
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ejem.v1i3.2288

This paper investigates the dynamic problem of living system in Kampung Laut, Cilacap, whichincludes social problems and ecological changes. The paper uses a dynamic system model to structurethe problems. The model simulates various feasible scenarios, from which the best becomesthe base to impose a policy to empower their sustainable economy. The model conceptualizes variablesrelated to the problem to build a figure of Causal Loop Diagram (CLD), which is then simulatedusing Powersim 2.5 software package. Using the scenario of intensification and populationcontrol, the paper finds that it can increase the people’s income, with positive trend until the end ofsimulation.Keywords: Dynamic modelling, sustainable economic empowerment, causal loop diagram

Business Development Service Through Lazis Partnership With Universities in Mentoring MSMEs in Purbalingga Regency Nanda Jelis Septiana; Dani Kusumastuti
Social Science Studies Vol. 2 No. 4 (2022): (issue-July)
Publisher : Profesional Muda Cendekia Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47153/sss24.4062022

Indonesia is a country where most of yhe population is Muslim, where the potential for zakat funds is quite large so that it can be used as an alternative in minimizing existing poverty. With the obligtion of zakat, if can be used as a bridge to even out commonuty‟s economy, so that the gap between the rich and the poor will be reduced. We can pay zakat institutions, one of which is LAZIS Muhammadiyah, Purbalingga Regency. This institution itself was founded in 2002. During the course of the establishment of LAZIS Muhammadiyah, not only consumptive zakat funds were distributed to 8 groups of zakat recipients. However LAZISMU, Purbalingga also distributes and utiliez produvtive zakat for MSMEs who are joined with them form f Business Development Service through mentoring programs. Thus, this study aims to find out in more detail related to an assistance which will later be described in the formulation og the problem that the author has determined. The type of research in this research is field research. This research was conducted at LAZISMU, Purbalingga Regency with a descriptive-qualitative approach. Which descriptive it self describing and explaining the Business Development Service Through LAZIS Partenrship with Higher Education in Assisting MSMEs in Purbalingga Regency, this research was taken with data collection techniques in the form of observation, interviews, and documentation. The speakers are from the LAZIS, universitas, counterparts, and MSME actors. The results of research in the field related to Business Development Service through LAZIS Partenrship with Universities in Monitoring MSMEs in Purblingga Regency are as follows : (1)The effectiveness of the implementation of the Business Development Service. (2) Evaluation of the Business Development Service.

Peningkatan Literasi Keuangan melalui Pelatihan Evaluasi dan Perencanaan Keuangan Sehat Berbasis syariah pada Pengusaha Muslim Skala Mikro Kecil di Purwokerto Dani Kusumastuti Kusumastuti
Solidaritas: Jurnal Pengabdian Vol. 1 No. 1 (2021): Solidaritas: Jurnal Pengabdian
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat UIN Prof. K.H. Saifuddin Zuhri

Banyaknya warga yang tertipu investasi bodong, terjerat rentenir dan mengalami masalah bisnis menunjukkan kurangnya literasi keuangan masyarakat. Karenaya, kegiatan pelatihan ini dilaksanakan guna memberikan pengetahuan sekaligus ketrampilan kepada peserta agar dapat mengevaluasi keuangannya dan membuat perencanaan keuangan yang memadai. Pelatihan dilakukan dengan pendekatan tindakan kelas, melalui ceramah, self-assement terdampingi dan dialog. Perangkat yang digunakan berupa modul dan lembar self assessment. Evaluasi dilakukan melalui respon lisan peserta dan instrumen pre dan post test. Peserta berjumlah 50 orang dengan latar belakang domisili, usia, tingkat pendidikan, jenis usaha dan gender yang beragam. Peserta sangat antusias dan merasakan langsung dampak pelatihan dengan menjadi paham dan dapat membuat daftar harta, hutang dan kekayaan juga cashflow, paham dan dapat mengevaluasi kesehatan keuangan dengan beberapa rasio keuangan, serta dapat membuat rancangan keuangan masa depan. Peserta juga mendapat nilai-nilai baru cara pandang religius spiritual tentang keuangan yang mengarah kepada keberlanjutan. Pelatihan dinilai sangat bermanfaat oleh peserta dan hasil uji pretest dan post test menunjukkan perbedaan nyata literasi keuangan peserta sebelum dan setelah pelatihan.Sebagai tindak lanjut telah dibuat grup Whatsapp untuk konsultasi. Pelatihan perlu direplikasi di berbagai tempat lain dengan mengajak pihak lain bekerjasama. Number of residents who are deceived by fraudulent investments, moneylenders and experiencing business problems indicate the lack of financial literacy among the community. Therefore, this training is carried out to enlight and train participants to be able to evaluate their financial situation and make adequate plans. It is carried out using a classroom action approach, through lectures, guided self-assessment and dialogue and used modules and self-assessment sheets as supporting tools. Evaluation of activities was carried out directly through oral responses and pre and post test instruments of 50 participans with various backgrounds of domicile, age, education level, type of business and gender. They were very enthusiastic and got direct impact by becoming aware of and being able to list assets, debts and net worth as well as financial cashflow, understand and be able to evaluate financial health with several financial ratios, and be able to make future financial plans. Participants also got new perspective based on Islamic spiritual view of finance that leads to sustainability. The training was considered very useful by the participants and the results of the pretest and post test showed a significant difference in the participants' financial literacy level before and after the training. As a follow-up, a Whatsapp group was created for consultation. It is recommended that the training be replicated in various other places inviting other parties to cooperate.

Storytelling Workshops Based on Babad Banyumas Stories for Local Tourism Community to Support Storynomics Tourism Development in Banyumas Regency Dani Kusumastuti; Oki Edi Purwoko
GANDRUNG: Jurnal Pengabdian Kepada Masyarakat Vol. 4 No. 1 (2023): GANDRUNG: Jurnal Pengabdian Kepada Masyarakat
Publisher : Fakultas Olahraga dan Kesehatan, Universitas PGRI Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36526/gandrung.v4i1.2328

Storytelling-based tourism or Storynomics tourism is being promoted by the government as a quick win strategy for economic recovery. Banyumas has a valuable historical heritage that is Babad Banyumas. These manuscripts are sources for interesting stories that add the attractiveness of tourist destinations. Unfortunately, the ability of local tour guides in storytelling are still low. Therefore, this training is intended to develop their skills in oral and digital storytelling of Babad Banyumas. The method is active learning that combines lectures, discussions, group assigment and presentation. Storybook and puppet form of figures in Babad Banyumas are provided as instruments for oral storytelling, and cameras and supporting devices for digital storytelling. Based on observation, mostly the participants were able to perform well in oral storytelling. Observation of photos and videos story of participants also showed encouraging result. The results of pre and post tests analysis show that both trainings have had a significant impact on increasing the knowledge and skills of participants. This findings support the idea of functioning community development and tourism strategy as global perfect merge for social economic development.

Multidimensional Trust in Halal Logo of Food Products : A Study in Local Cultural Context Kusumastuti, Dani; Raharja, Mahardhika Cipta; Maamor, Selamah; Yulian, Tri Nurindahyanti
Ijtimā iyya Journal of Muslim Society Research Vol. 9 No. 1 (2024)
Publisher : Postgraduate, State Islamic University Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ijtimaiyya.v9i1.10740

Trust is a multidimensional concept that varies across cultures and societies. Understanding consumers' trust is essential to increase awareness of the halal logo. This study aims to examine the trust dimensions of the halal logo in the Penginyongan cultural region. Confirmatory factor analysis was employed to analyze data from a sample of 139 Muslims residing in the Penginyongan cultural area, which encompasses the regencies of Banjarnegara, Purbalingga, Banyumas, Cilacap, and Kebumen. The results show that spiritual, cognitive, and affective factors significantly influence trust in the halal logo on food and beverage products. Affective aspects have demonstrated the highest loading factor value, suggesting that affective approach must be prioritized in building trust in halal logo. This can be achieved by creating emotional branding and excellent service as the key to long-term consumer commitment to the halal logo. This study has broadened the understanding of trust in the halal logo in a particular culture and expanded the concept of trust by including the spiritual dimension as an important factor in enhancing trust.

MINAT MEMBAYAR ZAKAT MASYARAKAT KAITANNYA DENGAN FAKTOR-FAKTOR DEMOGRAFI (Studi di Kecamatan Purbalingga) Latif Nur Hakim; Dani Kusumastuti
JURNAL ILMIAH NUSANTARA Vol. 2 No. 6 (2025): Jurnal Ilmiah Nusantara
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jinu.v2i6.6221

This study is motivated by the low realization of zakat collection in Purbalingga Regency, despite its considerable potential. One of the identified causes is the low public interest in paying zakat. This research aims to examine the influence of demographic factors including income, gender, age, occupation, education level, and marital status on the community’s interest in paying zakat. The research method used is quantitative with a survey approach. The population in this study comprises residents of the Purbalingga Sub-District, with a sample of 100 respondents determined using the Slovin formula and a combination of cluster and accidental sampling techniques. Data were collected through questionnaires and analyzed using ordinal logistic regression with the help of SPSS software. The results show that the variables of income, age, and education have a significant influence on the interest in paying zakat. Meanwhile, gender, type of occupation, and marital status do not have a statistically significant effect. The results of this study imply the need to improve income, education, and public awareness as key factors influencing the intention to pay zakat. Zakat management institutions also need to optimize education and outreach programs in accordance with the community’s demographic characteristics.

Co-Authors Latif Nur Hakim Maamor, Selamah Nanda Jelis Septiana Nita Triana Nurul Anwar Oki Edi Purwoko Raharja, Mahardhika Cipta Yulian, Tri Nurindahyanti

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