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All Journal Jurnal Ekonomi : Journal of Economic Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Global Review of Islamic Economics and Business Al-Muzara'ah Almana : Jurnal Manajemen dan Bisnis Jurnal Tabarru': Islamic Banking and Finance Aptisi Transactions on Technopreneurship (ATT) Abdi Dosen : Jurnal Pengabdian Pada Masyarakat BERDAYA: Jurnal Pendidikan dan Pengabdian Kepada Masyarakat Community Development Journal: Jurnal Pengabdian Masyarakat Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Journal of Education Research Share: Jurnal Ekonomi dan Keuangan Islam The International Journal of Politics and Sociology Research Media Ekonomi Journal of Artificial Intelligence and Digital Business Dirkantara Indonesia Karimah Tauhid E-Amal: Jurnal Pengabdian Kepada Masyarakat International Journal of Islamic Finance (IJIF)
nirdukita ratnawati, nirdukita
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Religion Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Public Health Social Sciences Other

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PERBANDINGAN EFEKTIFITAS JALUR KREDIT DAN JALUR NILAI TUKAR DALAM MEKANISME TRANSMISI KEBIJAKAN MONETER MENGGUNAKAN METODA STRUCTURAL EQUATION MODEL (SEM) PERIODE 1997.1-2004.12 Ratnawati, Nirdukita; Mahatmi, Swasti Putri
Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Vol 7, No 1 (2006) : JEP Juni 2006
Publisher : Universitas Muhammdaiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jep.v7i1.3992

Abstract

The purpose of this syudy is to compare of effectively of credit and exchange rate channel in transmission mechanism of monetary polcy in Indonesia (1997.1-2004.12). Structural Equation Model method is used for analyzing the data. Credit channel are consist of money supply, deposits total, credit total, investment, GDP and price level. Exchange rate channel are consist of money supply, interest rate of inter banl ell money, exchange rate, net export, GDP and price level.By using SEM method, the result is exchange rate channel more effective than credit channel in transmission mechanism of monetaiy policy in Indonesia. Finally, this study has purpose to Bank of Indonesia as authority to make the priority of exchange rate stability in monetary policy.
ANALISIS PENGELOLAAN DANA ZAKAT TERHADAP PEMBERDAYAAN UMKM DI PROVINSI RIAU Naula Oktaviani, Rona; Ratnawati, Nirdukita; Syafri
Jurnal Tabarru': Islamic Banking and Finance Vol. 6 No. 2 (2023): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2023.vol6(2).14923

Abstract

Penyaluran zakat yang belum optimal dan tidak tepat sasaran akan menimbulkan permasalahan di masyarakat. Tujuan penelitian untuk mengetahui sistem pemberdayaan dan prosedur pengelolaan dana zakat dalam memberdayakan UMKM yang dilakukan BAZNAS Provinsi Riau. Metode penelitian kualitatif dengan analisis data deskriptif. Teknik pengumpulan datanya wawancara, studi pustaka, dokumentasi, serta menggunakan teknik triangulasi untuk pemeriksaan keabsahan temuan. Hasilnya menunjukkan adanya peningkatan kesadaran dan partisipasi masyarakat dalam membayar zakat, serta keberhasilan program-program yang dilakukan BAZNAS dalam meningkatkan pengumpulan dana zakat, terlihat dari total dana zakat yang diterima BAZNAS Provinsi Riau 2022 sebesar Rp. 38.658.173.204 dengan 10.577 muzzaki yang terdaftar. Disimpulkan bahwa sistem pemberdayaan dana zakat yang dilakukan BAZNAS, yaitu menggunakan sistem pemberdayaan dana zakat konsumtif dan produktif. Untuk sistem pengumpulan dana zakatnya menggunakan sistem online dan offline. Prosedur pengelolaan dana zakat dalam memberdayakan UMKM dilakukan dengan sistem usulan dari para karyawan BAZNAS atau UPZ dan sistem ajuan. Disarankan untuk sistem pemberdayaan dana zakat konsumtif juga perlu diutamakan agar tidak ada lagi fakir miskin yang kelaparan; untuk pemberdayaan dana zakat produktif hendaknya mendata secara berkelanjutan para mustahiq yang sudah menerima manfaat dari dana zakat yang diterima sebelumnya; untuk sistem ajuan perlu melakukan pengecekan secara diam-diam terhadap mustahiq agar tidak terjadinya pembohongan atas usaha yang ingin dibukanya.
PERANAN PEMBANGUNAN INFRASTRUKTUR DALAM MENINGKATKAN KUALITAS HIDUP MASYARAKAT Fadilla, Meita Indah; Ratnawati, Nirdukita
Jurnal Ekonomi : Journal of Economic Vol 15, No 01 (2024): Jurnal Ekonomi : Journal of Economic
Publisher : Lembaga Penerbitan Unversitas Esa Unggul

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47007/jeko.v15i01.7442

Abstract

AbstractThis research intends to investigate the influence of infrastructure development realized with Physical DAK in improving the quality of life of the community as expressed through the Human Development Index (HDI) with capital expenditure as a mediating variable in 34 provinces in Indonesia. The study makes use of the Fixed Effect Model, Path Coefficient Analysis Test, Sobel Test, and Least Squares Dummy Variable (LSDV) Analysis Method. Panel data covering three years, from 2020 to 2022, in 34 Indonesian provinces was the source of the data used. The study's findings indicated that (1) Physical DAK significantly and favorably affects capital expenditures. (2) Physical DAK has a positive and negligible impact on life quality, but capital expenditures have a positive and considerable impact on community well-being. (3) Physical DAK on HDI through Capital Expenditures has a major and indirect impact.Keyword : Physical Special Allocation Funds, Capital Expenditures, Human Development Index AbstrakPenelitian ini bertujuan untuk menganalisis peranan pembangunan infrastruktur yang direalisasikan dengan DAK Fisik dalam meningkatkan kualitas hidup masyarakat yang direpresentasikan melalui Indeks Pembangunan Manusia (IPM) dengan variabel belanja modal sebagai variabel mediasi pada 34 provinsi di Indonesia. Penelitian menggunakan Metode Analisis Least Squares Dummy Variable (LSDV) dengan model Fixed Effect Model, Uji Analisis Koefisien Jalur dan Uji Sobel. Data yang digunakan yakni data panel dengan kurun waktu selama 3 tahun dari 2020 sampai dengan 2022 di 34 Provinsi di Indonesia. Hasil penelitian menunjukkan bahwa (1) DAK Fisik mempunyai pengaruh yang cukup besar dan positif terhadap belanja modal. (2) Belanja modal mempunyai pengaruh positif dan signifikan terhadap kesejahteraan masyarakat, sedangkan DAK fisik mempunyai pengaruh positif namun tidak signifikan terhadap kualitas hidup. (3) DAK fisik terhadap IPM melalui belanja modal mempunyai pengaruh yang signifikan dan tidak langsung.Kata Kunci : Dana Alokasi Khusus Fisik, Belanja Modal, Indeks Pembangunan Manusia
Tracer Study Program Doktor Ilmu Ekonomi Universitas Trisakti Soeharjoto, Soeharjoto; Ratnawati, Nirdukita
Journal of Education Research Vol. 4 No. 4 (2023)
Publisher : Perkumpulan Pengelola Jurnal PAUD Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37985/jer.v4i4.586

Abstract

Era digital, mengakibatkan berkembangnya informasi secara pesat dan terjadinya migrasi secara besar-besaran. Hal ini, mengakibatkan persaingan tenaga kerja semakin ketat, sehingga pemerintah berupaya meningkatkan kualitas sumber daya manusianya melalui program Kerangka Kualifikasi Nasional Indonesia di perguruan tinggi. Penelitian ini bertujuan untuk mengetahui kompetensi lulusan Program Doktor Ilmu Ekonomi Universitas Trisakti. Penelitian menggunakan data primer, dengan sampel menggunakan metode purposive sampling dari para lulusan di periode dua ribu dua puluh dua hingga dua ribu dua puluh tiga. Metode analisisnya, menggunakan statistik deskriptif. Capaian pembelajaran lulusan berdasarkan kerangka kualifikasi nasional Indonesia. Adapun hasilnya, para lulusan memiliki capaian pembelajaran dengan urutan sikap, ketrampilan umum, ketrampilan, khusus, dan pengetahuan. Nilai kerangka kualifikasi nasional Indonesia dari para lulusannya sangat baik sekali, karena memiliki nilai rata-rata sebesar enam puluh satu koma tiga puluh dua persen dari kompetensinya masuk dalam kategori sangat tinggi dan sebesar tiga puluh delapan koma enam puluh delapan persen persen masuk dalam kategori tinggi. Kompetensi kategori sangat tinggi yang berada di atas tujuh puluh persen dengan urutan inisiatif, kemampuan dalam memegang tanggung jawab, loyalitas dan Integritas.
Indonesian national qualifications framework competence on the doctoral studies in economics at the Universitas Trisakti Soeharjoto, Soeharjoto; Ratnawati, Nirdukita; Tribudhi, Debbie Aryani
The International Journal of Politics and Sociology Research Vol. 12 No. 1 (2024): June: Law, Politic and Sosiology
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijopsor.v12i1.249

Abstract

Globalization brings major changes to the order of life in the world, especially in the fields of education and labour. This has made it easier for people to migrate to get jobs. Indonesian Government  is working to improve the quality and quantity of human resources through education, by implementing the Indonesian National Qualifications Framework programme. The college that runs this program, has produced an external alumni, so it can be used as an indicator of the success of the curriculum. To do that, we need to do a tracer study to find out what competence he has. The study, conducted using a descriptive statistical method, using samples of 43 respondents, whose sampling using purposive samplings, from the Alumni of Universitas Trisakti Doctoral Study in Economics in 2021/2022. Research data used Likert scale, the analysis is carried out by calculating the ratio of types of the type of competencies, based on the provisions of the Indonesian National Qualifications Framework program, which includes attitudes, general skills, special knowledge skills. As for the results, the kind of competence that its alumni possess with competence is very high at 54.75 percent and high at 45.25 percent. This learning achievement, has been in line with its objective, because all of the access to learning knowledge, general skills, special skills and attitudes are above average. Very high attitude achievements of 65.35 percent and high as 34.65 percent, very high general skills of 60 percent and higher as 40 percent, special knowledge very high of 47.09 percent and height of 52.91 percent, highest knowledge of 40.47 percent and tallest of 59.53 percent. Higher education institutions need to improve their alumni’s soft skills of and the achievement of the Indonesian National Qualifications Framework to be very high, by collaborating with alumni and industry, to develop the curriculum to fit the needs of the labor market.
PERAN PENGELUARAN PEMERINTAH TERHADAP PENINGKATAN PENDAPATAN PER KAPITA: STUDI KASUS 34 PROVINSI DI INDONESIA Ruslan, Fadhlurrahman; Ratnawati, Nirdukita; Muliati
Media Ekonomi Vol. 32 No. 1 (2024): April
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/medqy367

Abstract

This study aims to see the effect of government spending on income per capita of 34 provinces in Indonesia. This study uses panel data regression (pooled data) to determine the effect of government spyending, namely education function, health function, and social assistance, on the dependent variable income per capita. The data used secondary data of 34 provinces in Indonesia over the period 2016-2020 published by the Ministry of Finance and Central Statistics Agency. The result showed that government spending on education and public service functions with 5% error rate are statistically significant have sign in accordance with expectation, then H1 and H4 are accepted. While spending on social function has reversed sign and health function has no influence on income per capita of 34 provinces in Indonesia for 2015-2019 period
MENINGKATKAN KESEJAHTERAAN MASYARAKAT DENGAN MENERAPKAN EKONOMI YANG BERBASIS MAQASHID SYARIAH Soeharjoto, Soeharjoto; Supriyadi, Yadi; Ratnawati, Nirdukita; Tribudhi, Debbie Aryani; Sabur, Moch.; Muayyad, Deden Misbahudin; Saputro, Wahyu Angko
E-Amal: Jurnal Pengabdian Kepada Masyarakat Vol 4 No 2: Mei-Agustus 2024
Publisher : LP2M STP Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47492/eamal.v4i2.3207

Abstract

Pertumbuhan UMKM digunakan sebagai indikator keberhasilan pembangunan ekonomi suatu negara, merupakan peluang bagi dunia pendidikan untuk mengembangkan kewirausahaan. Yayasan Global Cahaya Nubuwah Insani Islamic Entrepreneurship Boarding School, berupaya menghasilkan wirausaha Islami yang go global. Untuk itu, sekolah kewirausahaan ini bersama Fakultas Ekonomi dan Bisnis Universitas Trisakti melakukan Pengabdian Kepada Masyarakat, dengan tujuan meningkatkan pengetahuan dan wawasan para siswa, agar termotivasi menjadi wirausaha Islami, sehingga dapat menerapkan Maqashid Syariah. Kegiatan ini, dilaksanakan dengan metode penyuluhan, dengan materi pentingnya wirausaha bagi negara, UMKM naik kelas, kewirausahaan syariah dan digital, kewirausahaan dari perspektif Islam, Maqashid Syariah, Maslahah, pengembangan kewirausahaan sosial dan berkelanjutan di Indonesia. Kesemuanya ini, berdampak pada terbentuknya siklus kewirausahaan syariah guna menunjang ekonomi yang berkelanjutan. Pengabdian Kepada Masyarakat ini, berhasil dilakukan dengan baik, karena meningkatkan pengetahuan dan wawasan pesertanya menjadi 85 persen. Hal ini, membuat para siswa menjadi semakin teremotivasi untuk menjadi wirausaha Islami, guna meningkatkan kesejahteraan masyarakat, dengan menerapkan Maqashid Syariah.
Revisiting Mudharabah Investment Account and Proposal for Improvement – Case of Indonesia Wibisono, Afrid; Siregar, Hermanto; Ismal, Rifki; Ratnawati, Nirdukita; Ismail, Ahmad Faizal
AL-MUZARA'AH Vol. 12 No. 2 (2024): AL-MUZARA'AH (December 2024)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.12.2.195-216

Abstract

The rapid growth of Islamic banks is accompanied by various innovations in Islamic financial transactions which generally seem to follow the product diversity and risk profile of conventional banks. This innovation is also carried out in the application of mudharabah particularly in the Profit-Sharing Investment Account (PSIA). Mudharabah, whose original form is equity, has been adapted by Islamic banks by treating it just like a normal deposit whith the exception that the profit is calcualted based on a ratio, resulting difficulties to distinguish it from conventional bank deposits which are debt in nature. This research aims to evaluate the implementation of mudharabah in PSIA in Indonesia, by conducting field survey and interviews with parties whom responsible for managing it and comparing it with Sharia Standard issued by Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI) and fatwas of National Sharia Council of Indonesian Ulama Council (DSN-MUI). The research revealed that although PSIA return is calculated using profit distribution ratio (as mudharabah core feature), it lacks other main features of mudharabah, be it in its nature or profit or loss determination method. To rectify this deviation, this research proposes an operational model of mudharabah termed “the Quasi Equity Model", which meets the main features of mudharabah as envisaged by AAOIFI and DSN-MUI. This study contributes to the field of Islamic finance by not only identifying existing discrepancies but also proposing a practical model for addressing them, thus aligning it back to sharia principles within Islamic banking practices.
Meningkatkan Produktivitas Kewirausahaan Islam Melalui Pelatihan Berbasis Syariah untuk Siswa di Islamic Entrepreneur Boarding School di Purwakarta Ratnawati, Nirdukita; Faruqi, Faris; Arsjah, Regina Jansen; Salfinnia, Masni; Nugraha, Ahmad Zacky; Ahmad, Syakif
BERDAYA: Jurnal Pendidikan dan Pengabdian Kepada Masyarakat Vol 7 No 1 (2025)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/berdaya.v7i1.1497

Abstract

This community service program was conducted to improve the productivity and success of young entrepreneurs at the Islamic Entrepreneur Boarding School (IEBS) in Purwakarta. The program aimed to address key challenges such as limited understanding of Islamic economic principles, managerial skills, and the application of Sharia in business practices. A total of 27 participants, comprising middle and high school students, actively engaged in the training. The activities included theoretical presentations, interactive discussions, and practical simulations using the Widget Method to enhance knowledge retention and application. The Pre-Test and Post-Test results showed significant improvement, with the average score increasing from 8.93 to 9.81. This demonstrated a better understanding of productivity concepts and financial management aligned with Islamic values. The training emphasized practical skills such as budgeting and entrepreneurial planning, enabling participants to integrate Sharia principles into their business initiatives effectively. The program also contributed to the development of a sustainable Sharia-based entrepreneurial ecosystem in the local community. Key findings highlighted the success of interactive and practical learning methods.
Peran Masjid dalam Pengelolaan ZISWAF sebagai Penggerak Pertumbuhan Ekonomi Makro dan Peningkatan Religiusitas Ekstrinsik Umar, Rizki Umar Ali; Ratnawati, Nirdukita
Karimah Tauhid Vol. 4 No. 2 (2025): Karimah Tauhid
Publisher : Universitas Djuanda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/karimahtauhid.v4i2.17344

Abstract

Masjid memiliki peran strategis sebagai pusat spiritual, sosial, dan ekonomi umat Islam. Salah satu peran penting yang dapat dioptimalkan adalah pengelolaan Zakat, Infaq, Sedekah, dan Wakaf (ZISWAF). Kajian ini bertujuan untuk menganalisis dampak pengelolaan ZISWAF oleh masjid terhadap pertumbuhan ekonomi makro dan peningkatan religiusitas ekstrinsik masyarakat, menggunakan pendekatan literatur dan kerangka teori seperti Eksternalitas Positif dan Signaling Theory. Kajian ini menggunakan metode literatur dengan pendekatan deskriptif kualitatif, serta mengintegrasikan Eksternalitas Positif dan Signaling Theory untuk memahami hubungan antara profesionalisme pengelolaan ZISWAF dan kepercayaan masyarakat. Hasil analisis menunjukkan bahwa masjid memiliki potensi strategis dalam mengelola dana ZISWAF sebagai instrumen distribusi kekayaan, pendorong pertumbuhan ekonomi makro, dan penguat religiusitas ekstrinsik masyarakat. Pengelolaan yang profesional, transparan, dan akuntabel memungkinkan masjid menjadi pusat pemberdayaan sosial-ekonomi yang kredibel, dengan dukungan partisipasi masyarakat, pemerintah, dan kerja sama dengan lembaga keuangan syariah. Peningkatan kapasitas manajemen, edukasi literasi ZISWAF, dan adopsi teknologi digital diperlukan untuk mengoptimalkan peran ini. Dengan pendekatan Signaling Theory yang menekankan transparansi dan akuntabilitas, masjid dapat membangun kepercayaan masyarakat, mendorong keadilan sosial dan ekonomi, serta menjadi katalisator utama dalam pembangunan ekonomi berbasis nilai-nilai Islam. Kata Kunci: Eksternalitas Positif, Pengelolaan ZISWAF, Pemberdayaan Ekonomi Berbasis Masjid, Signaling Theory
Co-Authors Achsani, Muhammad Nur Faaiz Fathah Adawiyah, Wiwik Robiatul Ahmad, Syakif Amran, Ellyana Arief, Zaenal Busnety, Ida Damayanti, Mutia Melina Fadilla, Meita Indah Faruqi, Faris Hermanto Siregar Hubur, Aa Ida Busnetty Ismail, Ahmad Faizal Jaka Sriyana Jayaprawira, Acep Riana Juniastanti, Erwinda Anggraini Lestari, Henny Setyo Lestari, Widya Indri Listiyani, Fahmaninda Maharani Dheva Dwi Safitri Mahatmi, Swasti Putri Muayyad, Deden Misbahudin Muhammad Evirel Frasya Muhammad Zilal Hamzah, Muhammad Zilal Muliati Nugraha, Ahmad Zacky Oktaviani, Desy Oktaviani, Rona Naula Putri Octavia, Putri Regina Jansen Arsjah Rifki Ismal Rizqullah, Rizqullah Ruslan, Fadhlurrahman Rustam, Rinaldi Sabur, Moch. Salfinnia, Masni Saputro, Wahyu Angko Soeharjoto, Soeharjoto Sulistyowati, Lilies Sumiyarti Sumiyarti, Sumiyarti Syafri Tribudhi, Debbie Aryani Umar, Rizki Umar Ali Wibisono, Afrid Yadi Supriyadi Yusran, Husna Leila