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Pengaruh Total Aktiva, Capital Adequacy Ratio (CAR), Finance To Deposit Ratio (FDR) Dan Non Performing Financing (NPF) Terhadap Return On Assets (ROA) Bank Umum Syariah Di Indonesia Periode 2010-2014 Okyviandi Putra Erlangga; Imron Mawardi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 3 No. 7 (2016): Juli-2016
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (322.6 KB) | DOI: 10.20473/vol3iss20167pp561-574

Abstract

The purpose of this study is to analyze the impact of the variables firm size, liquidity, capital adequacy and financing fraud on Sharia Bank profitability in Indonesia by January 2010 until December 2014 period. Research using purposive sampling method for taking samples. Data obtained based on Bank of Indonesia published via Website realtime, obtained 60 samples.Research variables consisted of four independent variables and 1 dependent variable. Data analysing technique to answer research problem and examine research hypothesis using Double Linear Regression Analysis that supported by SPSS Statistics version 20 application.Based on the research, known that the effect of firm size (asset total), Liquidity (FDR), financing fraud (NPF) on Sharia Bank profitability partially significant. Meanwhile, the effect of capital adequacy (CAR) on Sharia Bank profitability not too significant.
Bank Sampah: Sumber Pendapatan Sekunder Ibu Rumah Tangga Warga RW 20 Kelurahan Jember Kidul Regina Niken Wilantari; Sebastiana Viphindrartin; Okyviandi Putra Erlangga; Rafael Purtomo Somaji; Nanik Istiyani
LOYALITAS: Jurnal Pengabdian Kepada Masyarakat Vol. 6 No. 1 (2023): Mei 2023
Publisher : IAI Darussalam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/loyalitas.v6i1.2246

Abstract

Household waste is an environmental problem for the community, especially urban areas, which until now has no solution. The limited number of landfills in Jember Regency makes this waste problem even more complex. Waste Bank seems to be a promising alternative to waste management strategy. Community service activities by establishing a waste bank as the main program in partnership with Housewives of RW 20 Kelurahan Jember Kidul where there are around 58 households. Several problems are faced by partners, such as a lack of knowledge regarding the negative impacts of waste and not knowing anything about waste banks, how they work, and generating income just by sorting and depositing them in the waste bank. The method used in community service is Community Based Participatory Research (CBPR) by guiding the housewives of the RW 20 Kelurahan Jember Kidul to be actively involved in waste management training. The target to be achieved from this activity is that the people of RW 20 Kelurahan Jember Kidul are educated to sort waste and deposit waste into the Waste Bank to create a clean and healthy environment and increase the income of households. The district government is expected to be actively involved so that the program can run sustainably
Improving Financial Management Literacy: A Community Service about Pre-Marriage Schools for Muslimah using ABCD Approach: Peningkatan Literasi Pengelolaan Keuangan Pra-nikah untuk Muslimah Amijaya, Rachmania Nurul Fitri; Yasin, Mohammad Zeqi; Erlangga, Okyviandi Putra
MITRA: Jurnal Pemberdayaan Masyarakat Vol. 8 No. 1 (2024): Mitra: Jurnal Pemberdayaan Masyarakat
Publisher : Institute for Research and Community Services

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25170/mitra.v8i1.4322

Abstract

Planning a wedding's finances is one aspect of the process. Before marriage, most couples were made up of two people with fairly autonomous financial arrangements; but, after a year, some began to adopt a more communal structure. In order to help you become more financially literate and more equipped for marriage, this article will outline community service opportunities. by putting into practice a community service plan at the Multazam Study Club utilizing the ABCD (Asset Based Community Development) approach, which is asset-based and sustainable community development. According to the service article's conclusion, students who perform community service in pre-marital schools gain more money management expertise. Following their attendance at lectures and chat shows on WhatsApp, the participants were able to comprehend the need of financial literacy. Based on the completed financial management course, a large number of individuals are aware of investments, emergency money, zakat, infaq, sadaqah, and waqf. In the meanwhile, participants tended to select their own investments; the majority of them selected gold. Putting together community service projects to enhance financial literacy within the framework of marriage has been successful in raising participants' comprehension and decision-making skills. The long-term financial well-being of people and families may be influenced by ongoing initiatives to advance financial empowerment and education in society.
Is Productive Zakat Effective as an Economic Catalyst for Village Farmers? Okyviandi Putra Erlangga; Muhammad Nafik Hadi Ryandono
LAA MAISYIR: Jurnal Ekonomi Islam The 2nd International Collaboration Conference on Islamic Economics (ICCEIS) 2024 “Global Innovati
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v1i1.52955

Abstract

This study aims to find out how the role of productive zakat through empowerment carried out by LAZ Dompet Dhuafa on improving the welfare of farmers in Kwajon Village, Ponorogo Regency, East Java. This study uses a descriptive qualitative research approach with a case study method. The data collection process was conducted through an interview method with 13 informants from which there were 11 mustahiq, 1 program assistant and 1 village head. The results of the study show that the distribution of productive zakat through farmer empowerment programs has a positive role in improving farmers' welfare. This can be seen through the increase in income obtained by farmers.
Drivers of Zillennial Customer Loyalty in Islamic Bank Mobile Banking: Evidence from BSI Mobile Pratama, Ahmad Ilham; Susanto, Arnis Budi; Fatah, Abdul; Erlangga, Okyviandi Putra
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 11 No. 3 (2024): Agustus-2024
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol11iss20243pp323-333

Abstract

This research aims to tes and analyze service features, security and partial complant handling on customer satisfaction and loyalty of users of the BSI mobile gen-Z  Students at  Jember University. This research is in the form of explanatory research with a quantitative approach method. The data collection technique uses a questionnaire with accidental sampling as the sample technique. The population in this study were all BSI mobile gen-Z users students at the University of Jember and the sample in this study consisted of 100 respondents. Meanwhile, the data analysis technique uses path analysis with the IBM SPSS Statistics application. The results of this study indicate that service features have a positive and significant effect on customer satisfaction, security does not affect customer satisfaction, and complaint handling has a positive and significant effect on customer satisfaction. Service features do not affect customer loyalty, security does not affect customer loyalty, complaint handling has a positive and significant effect on customer loyalty, and customer satisfaction does not affect the loyalty of BSI mobile application users among Generation Z students at the University of Jember
INCREASING THE FINANCIAL LITERACY OF MIGRANT WORKERS IN JAPAN THROUGH SHARIA FINANCIAL MANAGEMENT TRAINING Rachmania Nurul Fitri Amijaya; Okyviandi Putra Erlangga; Mohammad Zeqi Yasin; Mohammad Nizar Anas
As-Sidanah Vol 6 No 1 (2024): APRIL
Publisher : LP2M Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/assidanah.v6i1.72-88

Abstract

The necessity for financial management skills among migrant workers was underscored by the prevalence of a family member engaging in overseas employment within Indonesian households. This was evident in the imperative role finance played in encouraging migrant employees to maximize their earnings beyond what they could achieve in Indonesia. In this study, the ABCD (asset-based community development) strategy was employed to empower the Japanese IPMI community, utilizing existing community assets for sustainable development. The Indonesian Muslim Nurses Association, a supportive network, facilitated mutual growth and the establishment of ukhuwah Islamiyyah, contributing to a robust community fabric. IPMI served as a pivotal venue for enhancing the community's financial literacy through various levels of community service. Before returning to Indonesia, migrant workers took proactive steps in financial planning, including saving for retirement and other financial goals. Migrant employees, upon joining IPMI, actively recorded costs, tracked income, and projected investments for pension funds through direct practice. This past-tense abstract emphasizes the crucial role of financial empowerment and community support in the journey of migrant workers. The result shows after this community service, many migrant workers aware about financial management and gained a deeper understanding of financial management principles, enabling them to make informed decisions regarding budgeting, saving, and investing.
Implementasi Akad Musyarakah Pada Pertanian Sistem Mertelu (Studi Kasus: Kelompok Tani Sido Makmur Desa Sabrang Ambulu) Pratiwi, Izzatul Juhan Salsa Bila; Yuliati, Lilis; Erlangga, Okyviandi Putra
JIES : Journal of Islamic Economics Studies Vol. 7 No. 1 (2026): Februari
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi, Universitas Hasyim Asy'ari Tebuireng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/jies.v7i1.11369

Abstract

This study aims to analyze the implementation of musyarakah contracts in the mertelu farming system at the Sido Makmur Farmer Group in Sabrang Village, as well as to evaluate the level of farmer welfare through the perspective of maqashid syariah. This study uses a qualitative case study approach, collecting data through observation, documentation, and in-depth interviews with landowners and cultivators. The results show that the mertelu practice (1:3 profit sharing) has substantially fulfilled the principles of muzaraah and mukhabarah contracts. From the perspective of maqashid syariah, the welfare of tenant farmers has been partially achieved, especially in terms of religious preservation (hifz ad-din) and property preservation (hifz al-mal). However, this welfare is still vulnerable in terms of preserving life (hifz an-nafs) and the sustainability of wealth due to dependence on verbal agreements, the absence of written risk mitigation for crop failure, and market price fluctuations. This study concludes that although the mertelu system provides benefits for farmers, formal contracts are needed to ensure legal certainty and more stable economic protection for tenant farmers in the future.
A MODEL PEMBERDAYAAN MUSTAHIK DALAM PROGRAM BONDOWOSO MAKMUR PADA BAZNAS BONDOWOSO: PERSPEKTIF BIAYA TRANSAKSI: MUSTAHIK EMPOWERMENT MODEL IN THE BONDOWOSO MAKMUR PROGRAM AT BAZNAS BONDOWOSO: TRANSACTION COST PERSPECTIVE Al-Ghifari, Ghaza; Zainuri; Okyviandi Putra Erlangga
IJABAH Vol. 4 No. 1 (2026): IJABAH Volume 4 Number 1 Year 2026
Publisher : Universitas Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/ijabah.v4i1.60005

Abstract

Penelitian ini membahas tentang sebuah fenomena yang terjadi pada program Bondowoso Makmur, khususnya dalam distribusi bantuan alat usaha produktif, program Bondowoso Makmur merupakan bagian dari program zakat produktif yang dikelola oleh BAZNAS Bondowoso. Penelitian ini dilatarbelakangi oleh dua hal yaitu, adanya sebuah fenomena yang menyebabkan kegagalan program yaitu tindakan moral hazard dan temuan dari penelitian-penelitian sebelumnya mengenai adanya permasalahan dalam model pemberdayaan yang diterapkan BAZNAS daerah lainnya pada program yang berkaitan dengan zakat produktif. Dengan menggunakan metode kualitatif dan pendekatan analisis deskriptif, penelitian ini bertujuan untuk mengungkap penyebab terjadinya fenomena tersebut serta menemukan solusi yang relevan. Hasil penelitian menunjukkan adanya tindakan moral hazard yang dilakukan oleh mustahik disebabkan oleh adanya adverse selection yang dilakukan oleh pihak BAZNAS Bondowoso, dimana mustahik yang tidak memenuhi kriteria tetap dipilih karena mereka merupakan rekomendasi dari pihak eksternal yang memiliki jabatan di pemerintahan daerah, dan hal ini juga berkaitan dengan moral hazard karena pihak BAZNAS Bondowoso tidak mematuhi SOP (standar operasional prosedur) yang telah mereka tetapkan. Pada model pemberdayaan yang diterapkan oleh pihak BAZNAS sudah cukup baik, akan tetapi pihak BAZNAS masih belum melibatkan tenaga ahli pada tahap mentoring, selain dapat meningkatkan peluang keberhasilan, melibatkan tenaga ahli juga dapat membuat pengeluaran untuk biaya transaksi lebih efisien.