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All Journal Jurnal Ekonomi Syariah Teori dan Terapan Proceedings of Annual Conference for Muslim Scholars Jurnal Perbankan Syariah Darussalam (JPSDa) Electronic Journal of Education, Social Economics and Technology Al-Muraqabah: Journal of Management and Sharia Business Jurnal Ekonomi Syariah Islamic Micro Finance Journal
Wiwit Mustafidah, Wiwit
Institut Agama Islam Darussalam Blokagung Banyuwangi
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Displaced Commercial Risk Pada Bank Syariah (Studi Pada Bank X) Mustafidah, Wiwit
Jurnal Ekonomi Syariah Teori dan Terapan Vol 2, No 6 (2015): Juni-2015
Publisher : Jurnal Ekonomi Syariah Teori dan Terapan

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

Abstract

The purpose of this study is to determine how the process of risk management toward displaced commercial risk. This study used a qualitative approach with case study method in the X Islamic Bank. Techniques of data collection was conducted by doing interview and documentation. At the results, X Islamic Bank processing risk management toward displaced commercial risk by doing six stages. First stage was: determination of context by defining comprehension and stakeholders, the second stage was: identification by looking at the cause of the displaced commercial risk, more over: analysis of risk by identifying strategies, impact, and estimate the level of impact measurement, the fourth evaluation of risk by giving the decision process risk, fifth: risk treatment by way of mitigation measures / accept riskthe last stage was : monitor and review by looking at the balance sheet to determine the level of the banks financial stability.
Displaced Commercial Risk Pada Bank Syariah (Studi Pada Bank X) Wiwit Mustafidah; Noven Suprayogi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 2 No. 6 (2015): Juni-2015
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol2iss20156pp496-511

Abstract

The purpose of this study is to determine how the process of risk management toward displaced commercial risk. This study used a qualitative approach with case study method in the X Islamic Bank. Techniques of data collection was conducted by doing interview and documentation. At the results, X Islamic Bank processing risk management toward displaced commercial risk by doing six stages. First stage was: determination of context by defining comprehension and stakeholders, the second stage was: identification by looking at the cause of the displaced commercial risk, more over: analysis of risk by identifying strategies, impact, and estimate the level of impact measurement, the fourth evaluation of risk by giving the decision process risk, fifth: risk treatment by way of mitigation measures / accept riskthe last stage was : monitor and review by looking at the balance sheet to determine the level of the bank's financial stability.
The Effect of Bank Funding Sources on Total Revenue and Impact on Profit : Study on Joint Financial Reports of Sharia Banks and Sharia Business Units in Indonesia 2014-2020 Wiwit Mustafidah
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 3 No. 1 (2023): Januari 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v3i1.1910

Abstract

 In general, companies in operations use funds sourced from debt, own capital, or theresults of investment/financing from outside parties. Likewise, Islamic banks in theiroperations also use these sources of funds. Selection of alternative sources of fundsused can affect the level of company profitability as measured by profit. This studyaims to determine whether there is an effect of sources of funds originating from bankdebt (liability banks), securities issued, and bank third party funds on total incomeand the impact on profits of Islamic banks in Indonesia in 2014-2020. This study usesa quantitative approach with the type of case study research by analyzing the combined financial statements of Islamic banks and Islamic business units inIndonesia from 2014-2020 published on the websites of Bank Indonesia and theFinancial Services Authority. The data analysis technique used is Path analysistechnique with variables X1: Bank debt (bank liability), X2: Securities issued, X3:Third party funds, Y: Profit and Z: Total Revenue. The research results show that bankdebt and third party funds have no partial effect on total income, but simultaneouslyhave a significant effect. Debt and securities variables have no effect on profits, whilethird party funds and total income have a significant effect on profits. The variablethat has the greatest influence contribution is the total income variable.
Pengaruh Kinerja Keuangan Berdasarkan Return On Asset (Roa), Return On Equity (Roe), Beban Operasional Pendapatan Operasional (Bopo), Financing To Deposit Ratio (Fdr) Terhadap Pengeluaran Zakat Bank Umum Syariah Indonesia mustafidah, wiwit; Dimas Arisandi
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 4 No. 2 (2024): Juli 2024
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v4i2.3131

Abstract

The aim of this research is to determine whether there is a significant influence on financial performance based on ROA, ROE, BOPO, and FDR on the expenditure of zakat funds in Indonesian sharia commercial banks partially and simultaneously. This type of research uses quantitative methods. The population and sample taken in this research are Indonesian sharia commercial banks which issue annual financial reports which are published on their respective websites. This research uses secondary data obtained on the websites of each bank. The data analysis technique uses multiple linear regression analysis. The results of this research show that ROA and ROE do not have a significant influence on the expenditure of zakat funds from Sharia commercial banks in Indonesia, while BOPO and FDR have a significant influence. Simultaneously, the variables ROA, ROE, BOPO and FDR have a significant influence on the expenditure of zakat funds from Sharia commercial banks in Indonesia.
Pengaruh Product dan Price Bundling terhadap Keputusan Pembelian (Studi Pada Konsumen Belikopi Kota Kediri) Zuhida, Nuvia Firqon; Fatmawatie, Naning; Permatasari, Vina Septiana; Mustafidah, Wiwit
Al-Muraqabah: Journal of Management and Sharia Business Vol. 4 No. 2 (2024): Al-Muraqabah: Journal of Management and Sharia Business
Publisher : Sharia Business Management Study Program, Faculty of Economics and Islamic Business at IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/al-muraqabah.v4i2.1887

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh Product dan Price Bundling terhadap keputusan pembelian pada konsumen Belikopi Kota Kediri. Penelitian ini menggunakan  metode kuantitatif dengan jenis penelitian kausalitas. Teknik pengumpulan data dilakukan dengan cara pengisian data berupa kuesioner. Populasi dan sampel yang digunakan dalam penelitian ini adalah konsumen Belikopi di Kota Kediri yang berjumlah 96 orang. Selanjutnya metode analisis yang digunakan untuk menganalisis menggunakan analisis regresi linier berganda dengan bantuan program SPSS 26. Hasil yang diperoleh dari penelitian ini menunjukkan bahwa dari hasil uji t untuk pengaruh Product (X1) terhadap keputusan pembelian (Y) menunjukkan adanya pengaruh, hal ini berdasarkan nilai thitung yaitu 3,464 > ttabel 1,98580 sehingga Ho1 ditolak dan Ha1 diterima. Lalu untuk pengaruh Price Bundling (X2) terhadap keputusan pembelian (Y) menunjukkan adanya pengaruh, hal ini berdasarkan nilai thitung yaitu 5,079 > ttabel 1,98580 sehingga Ho2 ditolak dan Ha2 diterima. Berdasarkan uji koefisien determinasi nilai R Square sebesar 0,337 atau 33,7% . Artinya pengaruh Product dan Price Bundling secara simultan terhadap keputusan pembelian sebesar 33,7%. Sedangkan sisanya 66,3% dijelaskan oleh variabel lain yang tidak dijelaskan dalam penelitian ini.
ANALISIS PERBANDINGAN KINERJA KEUANGAN PERUSAHAAN PEMBIAYAAN SYARIAH DAN KONVENSIONAL TAHUN 2017-2021 mustafidah, wiwit
Jurnal Ekonomi Syariah Darussalam Vol. 3 No. 2 (2022): Agustus 2022
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (427.199 KB) | DOI: 10.30739/jesdar.v3i2.1647

Abstract

Tujuan penelitian ini untuk menganalisis perbandingan kinerja keuangan perusahaan pembiayaan syariah dan konvensional tahun 2017-2021: 1) dengan menggunakan rasio Financing Aset to Ratio (FAR). 2) menggunakan rasio Gearing Ratio (GR). 3) menggunakan rasio Modal Sendiri-Modal Disetor (MSMD). Jenis penelitian ini menggunakan penelitian kuantitatif komparatif. Teknik pengambilan sampel pada penelitian ini yaitu teknik sensus sampling. Sampel pada penelitian ini berupa laporan keuangan bulanan mulai bulan Januari tahun 2017 sampai dengan bulan Desember 2021. Uji Normalitas data menggunakan Kolmogorov Smirnov. Teknik analisis data menggunakkan uji Man-Whitney U test karena data yang digunakan tidak berdistribusi normal. Hasil analisis data penelitian ini menggunakan uji Man-Whitney U-test menunjukkan: 1) nilai signifikasi FAR perusahaan pembiayaan syariah dan konvensional kurang dari 0,05 yang berarti terdapat perbedaan. 2) nilai signifikasi GR perusahaan pembiayaan syariah dan konvensional kurang dari 0,05 yang berarti terdapat perbedaan. 3) nilai signifikasi MSMD perusahaan pembiayaan syariah dan konvensional kurang dari 0,05 yang berarti terdapat perbedaan. Kesimpulan dari analisis perbandingan kinerja keuangan perusahaan pembiayaan syariah dan konvensional yaitu: 1) perusahaan pembiayaan syariah lebih baik dari perusahaan pembiayaan konvensional ditinjau dari rasio FAR dalam penyaluran dana untuk pembiayaan kepada nasabah. 2) perusahaan pembiayaan syariah lebih baik dari perusahaan pembiayaan konvensional ditinjau dari rasio GR dalam memenuhi kewajibannya dengan menggunakan jaminan aktiva dan modal yang dimiliki. 3) perusahaan pembiayaan syariah lebih baik dari perusahaan pembiayaan konvensional ditinjau dari rasio MSMD dalam jumlah ekuitas yang dimiliki untuk penyaluran dana pembiayaan.
ANALISIS PERBANDINGAN KINERJA KEUANGAN LEMBAGA DANA PENSIUN SYARIAH SEBELUM DAN SELAMA PANDEMI COVID-19 Mustafidah, Wiwit; Ahmad Nanang Fauzi
Jurnal Ekonomi Syariah Darussalam Vol. 4 No. 1 (2023): Februari 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (353.63 KB) | DOI: 10.30739/jesdar.v4i1.1911

Abstract

Tujuan penelitian ini untuk menganalisis perbandingan kinerja keuangan lembaga dana pensiun syariah sebelum dan selama pandemi Covid 19 dengan menggunakan rasio Return On Assets (ROA) dan menggunakan rasio Return On Investment (ROI). Jenis penelitian ini menggunakan penelitian kuantitatif komparatif. Sumber data yang digunakan yakni data sekunder berupa laporan keuangan bulanan Industri Keuangan Non Bank (IKNB) Syariah bulan Mei tahun 2018 hingga bulan Desember tahun 2021 yang di terbitkan oleh Otoritas Jasa Keuangan (OJK). Populasi penelitian ini yaitu laporan keuangan lembaga dana pensiun syariah. Teknik pengambilan sampel pada penelitian ini yaitu teknik purposive sampling. Teknik pengumpulan data yakni dokumentasi. Uji Normalitas Data menggunakan Kolmogorov Smirnov. Teknik analisis data menggunakan uji Paired Sample T-test karena data terdistribusi normal Hasil uji Paired Sample T-test menunjukkan: 1) nilai signifikasi ROA lembaga dana pensiun syariah sebelum dan selama pandemi Covid 19 kurang dari 0,05 yang berarti terdapat perbedaan. 2) nilai signifikasi ROI lembaga dana pensiun syariah sebelum dan selama pandemi Covid 19 kurang dari 0,05 yang berarti terdapat perbedaan. Kesimpulan dari analisis perbandingan kinerja keuangan lembaga dana pensiun syariah sebelum dan selama pandemi Covid 19 yaitu: 1) lembaga dana pensiun syariah selama pandemi Covid 19 lebih baik dari pada sebelum pandemi Covid 19 ditinjau dari rasio ROA dalam pengelolaan aset, karena adanya penambahan Dana Pensiun Lembaga Keuangan (DPLK) yang melanjutkan penjualan paket investasi syariah dan penambahan Unit Syariah dari Dana Pensiun Pemberi Kerja. 2) lembaga dana pensiun syariah selama pandemi Covid 19 lebih baik dari pada sebelum pandemi Covid 19 ditinjau dari rasio ROI, karena adanya peningkatan investasi secara syariah yang membuat hasil investasi meningkat. Kata Kunci: Kinerja Keuangan, Lembaga Keuangan Syariah
ANALISIS PERBANDINGAN RISK DAN RETURN SAHAM SYARIAH DAN KONVENSIONAL PADA JAKARTA ISLAMIC INDEX (JII30) DAN INDEKS LQ45 PERIODE TAHUN 2020-2022 Mustafidah, Wiwit; Abdul Khakim
Jurnal Ekonomi Syariah Darussalam Vol. 4 No. 2 (2023): Agustus 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v4i2.2437

Abstract

The purpose of this study is to find out the difference in the average Return and Risk of Islamic stocks on the Jakarta Islamic Index (JII) and conventional stocks on LQ45 in the period 2020 to 2022 from the website www.idx.co.id. The results of the descriptive analysis show that the returns on Islamic stocks are higher than conventional stocks (0.0095350 > 0.0046987 or 0.95% > 0.46%). Meanwhile, the risk level is higher for sharia stocks than conventional stocks, namely 0.1072991 > 0.1019323 or 10.72% > 10.19%. Based on the results of the different test using the Independent Sample t-test, it was found that the Equal Variance Assumed assumption can be identified as the Sig. (2-tailed) > ? value with a significance value of 0.737> 0.05, while the assumption of Equal Variances Assumed Return value Sig. (2-tailed) > ? value with a significance value of 0.607> 0.05. From these data it can be concluded that the results of the significance of risk and stock returns show a significance value that is greater than the significance level ? = 5% (0.05) so that it can be interpreted that there is no significant difference between the Return and Risk of Islamic stocks and conventional stocks.
Enhancing Public Service Quality Through the Lens of Islamic Economics Nurhayati, Endang; Mustafidah, Wiwit
Islamic Micro Finance Journal Vol. 2 No. 1 (2025): Edisi IV, Februari 2025
Publisher : Institut Agama Islam Al-Fatimah Bojonegoro

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Abstract

This study aims to evaluate the quality of public services from an Islamic economic perspective. A qualitative method was employed, with data collected through observation, interviews, and documentation techniques. The study was conducted in Dasri Village, Tegalsari Subdistrict, Banyuwangi District, East Java, Indonesia. The findings highlight several key indicators of public service quality in governance based on an Islamic perspective: fairness, transparency and accountability, community welfare, and community participation in decision-making. Fairness is implemented by the government through the principle of Amanah, emphasizing sincerity and a free-of-charge service system. Transparency and accountability are demonstrated through an open system without concealed information, allowing the public to access all relevant processes. Community participation in decision-making is facilitated through regular meetings and discussion forums, enabling the government to incorporate community input and actively involve citizens. Lastly, community welfare is promoted by ensuring effective access to services and fostering strong relationships between the village government and its residents
Implementation of Islamic Business Ethics in Micro, Small And Medium Enterprises in Dasri Village Maulidia, Zuni; Mustafidah, Wiwit
Electronic Journal of Education, Social Economics and Technology Vol 6, No 1 (2025)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v6i1.311

Abstract

This study aims to analyze the implementation of Islamic business ethics in micro, small and medium enterprises (MSMEs) in Dasri Village. The research uses a qualitative method with a descriptive type of research. Data collection techniques with interviews, observations and documentation. The results of the study show that MSME actors in Dasri Village have applied Islamic business ethics principles, including honesty in transactions, not using oaths, and clear pricing. The average business actor shows awareness of the importance of praying before selling and providing generous service to customers. The conclusion of this study confirms that the application of Islamic business ethics among MSMEs in Dasri Village is quite good, creating a more ethical and sustainable business environment.
Co-Authors Abdul Khakim Ahmad Nanang Fauzi Aini, Aula Izzatul Dimas Arisandi ENDANG NURHAYATI Maulidia, Zuni Mira Ustanti Naning Fatmawatie, Naning Noven Suprayogi, Noven Permatasari, Vina Septiana Zuhida, Nuvia Firqon