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Adaptive Business Model in the Post-Pandemic Era of Covid-19: Evidence in Greensa Inn Yudha, Ana Toni Roby Candra; Basya, Maziyah Mazza
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 1 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i1.3766

Abstract

The aims of this study are to examine and obtain an adaptive business model for the GreenSA Inn hotel business in the form of meetings, intensive, conferences, and exhibitions (MICE). The research method used is a mixed method, namely by using SWOT analysis as a representation of the analytical tool in the quantitative approach, followed by observation and in-depth interviews as a representation of the qualitative approach. There were 7 selected informants who held positions at the level of directors or coordinators and technical implementers. The results obtained by the strategy model are aggressive strategies, namely with a business expansion strategy that focuses on efforts to 'pick up the ball' utilizing all advantages possessed. First, the uniqueness of this study is that it identifies one business area and business unit, namely MICE, so the review is quite detailed but cannot be generalized. Recommendations that are consistent with the study results are promoting marketing channels through social media, and collaborating with religious institutions at the Sidoarjo and Surabaya district levels to offer external meeting activities at GreenSA. Then to be able to obtain a more effective adaptive strategy, a ghost shopper can be carried out at hotels in other districts or other campuses to get information and references for the adaptive strategies they are working on.
Determining the Minimum Age of Marriage in the Perspective of Economics and Al-Ikhtiyath Al-Fiqhy Lathoif Ghozali, Muhammad; Yudha, Ana Toni Roby Candra; Himami, Fatikul
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 3 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i3.5030

Abstract

The purpose of this study is to find out and provide views on the determination of the minimum age of marriage from two perspectives, namely the economic perspective and the economic perspective al Ikhtiyath al fiqhy. The method used in this study is qualitative, juridical-normative approach, as well as descriptive qualitative because the data needed and used are in the form of information leaflets that do not need to be quantified. The study found that the findings of previous research on young marriage were confirmed in this study. It found that young marriage is known to increase the risk of miscarriage, infant mortality, cervical cancer, venereal disease, and mental disorders due to social pressure to assume adult responsibilities at a young age. This is a prohibition that must be avoided and is very contrary to Islamic rules la dharara wa la dhirar. These rules are taken to realize the objectives of the maqashid al-syariah by rejecting the ones that mafsadah, by eliminating the harm or at least alleviating it. The corresponding suggestion is to encourage education as early as possible for adolescents so that they know the bad things that have the potential to arise if they force early marriage. Two things that are very important for adolescents to have but scientifically and empirically are considered immature are age and mental preparation. So, it is necessary to pay serious attention to these two things before deciding to marry their couple.
Kemandirian Ekonomi Masyarakat Desa Berbasis Pemanfaatan Aset Produktif di Kabupetan Mojokerto Maghfiroh, Aulya Putri; Yudha, Ana Toni Roby Candra; Pradessari, Alda; Astuti, Setyani Agung Dwi
Cakrawala Vol. 15 No. 2: Desember 2021
Publisher : Badan Riset dan Inovasi Daerah Provinsi Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32781/cakrawala.v15i2.360

Abstract

Penelitian ini bertujuan untuk mengetahui keberhasilan dorongan aset produktif bagi kemandirian masyarakat melalui upaya pemberdayaan masyarakat oleh PNPM. Metode penelitian ini menggunakan pendekatan kualitatif  dengan strategi etnografi yang dilaksanakan di Kecamatan Gondang, Kabupaten Mojokerto dalam kurun waktu bulan Agustus sampai September 2020. Data yang digunakan yaitu data primer yang diperoleh melalui wawancara mendalam. Peneliti juga menggunakan data sekunder yang berupa arsip dan dokumen.. Hasil dari penelitian ini menunjukkan bahwa upaya peningkatan kemandirian masyarakat melalui program pemberdayaan masyarakat PNPM cenderung terfokus pada peningkatan aset produktif dan belum sepenuhnya difokuskan pada keberhasilan kemandirian masyarakat melalui kegiatan pemberdayaan masyarakat. Adapun saran yang beresesuaian dengan hasil penelitian yaitu agar UPK Kecamatan Gondang menyeleksi masyarakat yang melakukan kredit pada program UEP untuk memastikan bahwa penggunaannya benar-benar diperuntukkan bagi pengembangan usaha serta melakukan mentoring secara berkala pada kelompok binaan sebagai bentuk evaluasi pemberdayaan.
Strategi Penanggulangan Dampak Pandemi pada Kondisi Sosio-Ekonomi dan Pendidikan di Desa Tambak Cemandi, Sedati, Sidoarjo Aulia, Fa'iqotur; Yudha, Ana Toni Roby Candra; Dharmawan, Ferry; Saputra, Gery Akbar; Wahid, Muhammad Ilham; Rosidhah, Nafi Ngatur
Cakrawala Vol. 16 No. 1: Juni 2022
Publisher : Badan Riset dan Inovasi Daerah Provinsi Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32781/cakrawala.v16i1.381

Abstract

Adanya COVID 19 menyebabkan banyak dampak pada segala aspek, termasuk ekonomi, sosial dan pendidikan. Hal itu terjadi dan dirasakan oleh semua wilayah di Indonesia, tidak tercuali Desa Tambak Cemandi, Sidoarjo. Tujuan studi ini adalah untuk memberikan alternatif model strategi dalam meredakan permasalahan akibat pandemi COVID 19. Metode yang digunakan adalah kualitatif fenomenologi, yaitu melalui proses penggalian data, mengkaji, dan interaksi sosial selama 1 bulan bersama masyarakat setempat. Hasil studi yang didapatkan adalah adanya tren penurunan kualitas ekonomi dalam hal daya beli, peluang kerja, pendapatan dan konsumsi selama masa pandemi COVID 19. Hal ini terlihat dari penurunan aktivitas melaut dan tangkapan yang diperoleh. Atas hal tersebut maka, perlu adanya strategi penaggulangan dampak  bantuan informasi dengan mencarikan calon pembeli atau konsumen dengan melibatkan semua pemangku kepentingan di daerah Desa Tambak Cemandi. Sehingga saran yang bersesuaian dengan hasil tersebut adalah perlu adanya kerjasama berkesinambungan dengan perangkat desa setempat agar mendapat perhatian dan alternatif cara untuk menjual hasil tangkapan lautnya.
Psychosocial Strains and Default Behavior in Islamic Fintech: An Urban-Rural GST Perspective Yudha, Ana Toni Roby Candra; Haryono, Slamet; Ardiansyah, Misnen
al-Uqud : Journal of Islamic Economics Vol. 9 No. 2 (2025): July (In press)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study explores the psychosocial drivers of loan default among Millennials and Gen Z users of Islamic fintech microfinance in Indonesia, using General Strain Theory (GST) to compare urban and rural contexts. Data from 307 respondents were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The findings reveal significant differences: in urban areas, default intention is shaped by social difficulties, inferiority feelings, life dissatisfaction, loneliness, and weakened moral norms, while in rural settings, loneliness is the sole significant factor. Economic pressure was not a dominant predictor, highlighting the greater role of psychosocial strain. These insights suggest that fintech companies should enhance credit risk models by integrating social and psychological indicators. Interventions such as financial literacy, moral education, and community-based support are crucial, especially for rural users facing social isolation. The study contributes a novel integration of GST within the context of Islamic fintech, offering both theoretical depth and practical guidance for inclusive and ethical fintech development.
ANALYSIS OF MACROECONOMIC FLUCTUATIONS IMPACT ON EFFICIENCY AND ISLAMIC BANKING QUALITY 2015-2019 Yudha, Ana Toni Roby Candra; Indrawan, Imam Wahyudi; Syarifudin, Syarifudin
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 7 No. 2 (2021): JULY-DECEMBER 2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v7i2.26245

Abstract

This study aims to analyze the impact of macroeconomic shocks, such as economic growth, inflation and the rupiah exchange rate on Islamic banking efficiency. This study uses the two-stage least squares (TSLS) method, which is a method with two endogenous variables, namely the non-performing financing (NPF) ratio as a representation of the quality of Islamic banking financing and the operating expense operating income (BOPO) ratio as a representation of Islamic banking efficiency. So that the TSLS method aims to purify these endogenous variables against stochastic disturbances. This study uses monthly data from January 2010 to January 2020, or as many as 121 observations. The observation of data is obtained from Islamic Banking Statistic that published by Financial Services Authority (OJK). The efficiency of Islamic banks is influenced by the number of sharia banking office networks, capital adequacy ratios, and NPF ratios. The NPF ratio itself is affected by macroeconomic conditions (economic growth and appreciation of the rupiah exchange rate) as well as the efficiency of Islamic banking. Based on the above findings, a number of recommendations were given, including the urgency of simultaneously increasing efficiency and quality of Islamic banking financing accompanied by monitoring Indonesia's macroeconomic conditions, so that it is hoped that Islamic banks will be more resilient to macroeconomic shocks and competitive in the national financial services industry.
ANALYSIS OF HEALTH LEVEL, SHARIA MAQASHID INDEX AND POTENTIAL FINANCIAL DISTRESS AT BANK MUAMALAT INDONESIA FOR THE 2017- 2020 PERIOD Mohammad Khoiruzi Afiq; Ana Toni Roby Candra Yudha
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 9 No. 1 (2023): JANUARY-JUNE 2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v9i1.38245

Abstract

This study aims to comprehensively measure the performance of Bank Muamalat Indonesia as the oldest Islamic bank in Indonesia that has experience in facing the 1998 monetary crisis, which is very interesting as a research object. This research uses a comparative descriptive method with a quantitative approach. The data used is of the time series data type in the form of BMI's financial statements for the 2017-2020 period. The analytical techniques used in this study used several techniques and stages, namely the level of bank health using the RGEC method, the achievement of sharia maqashid using Abu Zahrah's version of the sharia maqashid index, comparison of RGEC and IMS performance using quadrant analysis measurement (QAM) and analysis of potential financial distress using Zmijewski (X-Score). The results show that the use of the RGEC and IMS methods at Bank Muamalat Indonesia can complement the advantages and disadvantages of each performance measuring instrument. Meanwhile, the performance results from the analysis of potential financial distress through the Zmijewski method (X-score) have provided validation and strengthened the performance results of the RGEC and IMS. This study recommends that the management of Bank Muamalat Indonesia increase the amount of financing by prioritizing the principle of prudence, considering that a suitable risk profile and capital performance should be able to overcome earnings performance that is not optimal. In addition, advice to Bank Indonesia to review Bank Indonesia regulatory policy No.13/1/PBI/2011 related to the use of the RGEC method as an assessment of bank health levels wherein the performance assessment policy does not have a specific specialization for performance assessment of Islamic banks.
Co-Authors Abdul Hakim Achmad Room Fitrianto Agus Afandi Ahmad Danu Syaputra, Ahmad Danu Ahmad Saifudin, Ahmad Ajeng Tita Nawangsari Alfadia Fitri Aini Alfin Maulana Amalia Yustika Andaru Rachmaning Dias Prayitno Andi Triyanto Ani Fatmawati Anisa Fadilah Zustika Arifin, Rahman Arista, Setia Rini Astuti, Setyani Agung Dwi Atho'illah, Akh. Yunan Atho'illah, Akhmad Yunan Aulia, Fa'iqotur Azhar, Masyhuri Dharmawan, Ferry Dikuraisyin, Basar Dusturiya, Nyda Eka Mega Pertiwi Erly Erlian Kurniawati Fadilla, Siti Fauziah, Nailatin Febriyanti, Novi Habibah Awwaliah Habibi, M. Lutfillah Hammis Syafaq Handila Rizka Himami, Fatikul Imam Wahyudi Indrawan, Imam Wahyudi Ivan Riyadi, Ivan Izzuddin M. Afif Junjunan, Mochammad Ilyas Kafabih, Abdullah Kartika, Akbar Pratama Lathoif Ghozali, Muhammad LATIF, SALWA SABRINA Maghfiroh, Aulya Putri Maksum Maksum Maksum, Maksum Masrufa, Nur Maziyah Mazza Basya Misnen Ardiansyah, Misnen Mochammad Andre Agustianto Mohamad Yusak Anshori Mohammad Khoiruzi Afiq Muharir, Muharir Mutia Hendarti, Alvina Novia Putri Artanti Nurlailah Nurlailah Nurul Huda Pradessari, Alda Putra, Muhammad Deni Ratna Indah Lestari Rianto Anugerah Wicaksono Rina Ramadhani Rizqa Rahmaddina Rofiki, Akhmad Rofiqoh, Isnaini Rosidhah, Nafi Ngatur Samawi, Mohammad Wirmon Saputra, Gery Akbar Sarker, Md Atiqur Rahman Septiani, Arinda Sherawali Sherawali Sherawali, Sherawali Slamet Haryono Sri Wigati Sugiyanto Sugiyanto Sukoco, Anton Syahruddin Syahruddin Syarifudin Syarifudin Syarifudin Syarifudin Vinka Alysia Wahid, Muhammad Ilham Wijayanti, Ida WULANDARI, TIFFANI AYU Yalina, Nita Yayan Firmansah ZAKARIYA, NOVIE ANDRIYANI Zakiyatul Fakhiroh Zulfiah, Hilya