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All Journal Sahid Development Journal: Jurnal Pengabdian Kepada Masyarakat Perbankan Syariah Sahid Banking Journal Sahid Business Journal: Jurnal Penelitian Manajemen Bisnis Syariah: Program Studi Manajemen Bisnis Syariah Sahid Empowerment Journal: Jurnal Pengabdian Kepada Masyarakat Manajemen Bisnis Syariah
Ria Kusumaningrum
Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Sahid Bogor
Religion Economics, Econometrics & Finance Education Social Sciences

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PENGENALAN EKONOMI DAN BISNIS ISLAM MELALUI PENDAMPINGAN PEDULI COVID-19 DI DESA GUNUNG BUNDER II, KECAMATAN PAMIJAHAN, KABUPATEN BOGOR Ria Kusumaningrum; Susi Melinasari; Muhammad Yaya Supriadi
SAHID EMPOWERMENT JOURNAL Vol 2 No 01 (2022): Oktober 2022
Publisher : Jurnal Pengabdian Kepada Masyarakat Manajemen Bisnis Syariah: Program Studi Manajemen Bisnis Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidempowermentjournal.v2i01.55

Abstract

The Covid-19 pandemic has hit the whole world including Indonesia, which is currently making the government establish policies for the public so that the Covid-19 outbreak does not spread and spread in Indonesia. People are required to comply with health protocols (such as wearing masks, washing hands and keeping their distance) so that the chain of spread of the Covid-19 virus in Indonesia can be broken and no longer infects the wider community in Indonesia. Under these circumstances, community service was carried out with Covid-19 Caring Assistance in Gunung Bunder II Village, Pamijahan District, Bogor Regency, which was carried out at the same time as an introduction to Islamic economics and business. The community is enthusiastic about Islamic economics and business which cannot be separated from Islamic beliefs as a perfect way of life that has been adhered to by the community so far.
PENERAPAN MANAJEMEN BISNIS SYARIAH DALAM PEMANFAATAN KORAN BEKAS MENJADI PRODUK KERAJINAN DI DESA CIMANGGU SATU, KECAMATAN CIBUNGBULANG, KABUPATEN BOGOR Ria Kusumaningrum; Susi Melinasari; Siti Neli Ismawati
SAHID EMPOWERMENT JOURNAL Vol 2 No 01 (2022): Oktober 2022
Publisher : Jurnal Pengabdian Kepada Masyarakat Manajemen Bisnis Syariah: Program Studi Manajemen Bisnis Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidempowermentjournal.v2i01.57

Abstract

Community service is one of the Tridharma functions of higher education, which aims to provide insight to the community to be able to innovate and work in managing waste of used newspapers into handicraft products. Comprehensive waste management can include reducing, reusing, and recycling which can change the value of worthless goods into products that have high selling value. This becomes more meaningful when applied to sharia business management. This community service activity will be carried out in 2020. The goal of this community service is to provide knowledge on how to use used newspapers to the people of Cimanggu Satu Village, Cibungbulang District, Bogor Regency. The method of implementing this community service is by counseling to and at the same time applying it to the people of Cimanggu Satu Village, Cibungbulang District, Bogor Regency. The community understands sharia business management, and has new skills in making handicraft products, such as making pencil cases or pens and flower vases.
MERANCANG MANAJEMEN AGRIBISNIS SYARIAH DI DESA CIBITUNG TENGAH, KECAMATAN TENJOLAYA, KABUPATEN BOGOR Ria Kusumaningrum; Susi Melinasari; Siti Maspupah
SAHID EMPOWERMENT JOURNAL Vol 2 No 01 (2022): Oktober 2022
Publisher : Jurnal Pengabdian Kepada Masyarakat Manajemen Bisnis Syariah: Program Studi Manajemen Bisnis Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidempowermentjournal.v2i01.62

Abstract

Community service in which there are community empowerment activities is a development process in which the community takes the initiative to start a process of social activity to improve their own situation and condition. Central Cibitung Village, Tenjolaya District, Bogor Regency as an Agropolitan area which has been designated as an agribusiness development that is not limited to horticultural agriculture, but this stipulation is expected to be one of the steps to improve the community's economy. One of the government's efforts to empower farming communities is through the Rural Agribusiness Development (PUAP) program. PUAP begins with the process of increasing the capacity of human resources as executors of PUAP activities in the field. At the same time, this community service activity can use PUAP to overcome problems from the aspects of capital, market access and technology and the still weak management of farming businesses which causes powerlessness in farming communities in Central Cibitung Village, Tenjolaya District, Bogor Regency.
PENGENALAN PEMBIAYAAN SYARIAH DALAM PEMULIHAN USAHA MIKRO KECIL DAN MENENGAH MELALUI PROGRAM BANTUAN PRODUKTIF USAHA MIKRO PADA MASA PANDEMI COVID-19 DI DESA CIASMARA, KECAMATAN PAMIJAHAN, KABUPATEN BOGOR Ria Kusumaningrum; Abdul Kodir; Fika Fitria Ningsih
SAHID DEVELOPMENT JOURNAL Vol 2 No 01 (2022): Oktober 2022
Publisher : Jurnal Pengabdian Kepada Masyarakat Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahiddevelopmentjournal.v2i01.67

Abstract

The role of Micro, Small and Medium Enterprises (MSMEs) is very important in building an economy based on a just economic democracy. Like most business entities, MSMEs have been heavily influenced by uncertain market conditions since the Covid-19 pandemic. However, MSMEs with less stringent capital characteristics and regulations have relatively good resilience and flexibility to deal with a pandemic situation. However, there are also MSMEs that lack the resilience and flexibility to deal with a pandemic due to low levels of digitization, difficulty accessing technology, and a lack of understanding of strategies to survive in business. This also happened in Ciasmara Village, Pamijahan District, Bogor Regency. The government has also carried out programs to maintain the sustainability of MSMEs in the midst of a pandemic. One of the government's programs to maintain the existence of MSMEs during the Covid-19 pandemic, by conducting MSME Productive Assistance (BPUM). Simultaneously with the implementation of government programs that directly support these MSMEs, community service was also carried out in Ciasmara Village, Pamijahan District, Bogor Regency. Thus, in addition to having BPUM from the government, there is also the introduction of sharia financing as part of community service activities in Ciasmara Village, Pamijahan District, Bogor Regency.
MEMPROGRAMKAN PENGENALAN BANK SYARIAH DAN LEMBAGA KEUANGAN MIKRO SYARIAH DI DESA SUKAJADI, KECAMATAN TAMANSARI, KABUPATEN BOGOR Ria Kusumaningrum; Muhamad Rizal; Afina Putri Nabilla
SAHID DEVELOPMENT JOURNAL Vol 2 No 01 (2022): Oktober 2022
Publisher : Jurnal Pengabdian Kepada Masyarakat Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahiddevelopmentjournal.v2i01.68

Abstract

The characteristics of Islamic banking are different from banking which is based on an interest system, Islamic banking is actually based on the core product of profit-sharing financing developed in musyārakah and muḍārabah financing products. The presence of Islamic banking should have a big impact on the growth of the real sector. One of the business units that needs to be developed to encourage growth in the real sector is Micro, Small and Medium Enterprises (MSMEs), which in the current national economy have a very important position, because of their contribution to employment and Gross Domestic Product (GDP), as well as flexibility and resilience in the face of economic crises. Islamic banking financing allocated to MSMEs in Bogor has experienced a fluctuating increase, but its contribution to increasing Micro, Small and Medium Enterprises has not been optimal. Islamic banking financing in Bogor has quite encouraging prospects in view of the quantity of MSMEs that have not yet obtained financing facilities. It is within this framework that community service is carried out by programming the introduction of Islamic banks and Islamic microfinance institutions in Sukajadi Village, Tamansari District, Bogor Regency from July to August 2020.
MEMPROGRAMKAN AKSES PEMBIAYAAN SYARIAH BAGI USAHA MIKRO KECIL DAN MENENGAH DI DESA CINANGNENG, KECAMATAN TENJOLAYA, KABUPATEN BOGOR Ria Kusumaningrum; Susi Melinasari; Alda Herawati
SAHID DEVELOPMENT JOURNAL Vol 2 No 01 (2022): Oktober 2022
Publisher : Jurnal Pengabdian Kepada Masyarakat Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahiddevelopmentjournal.v2i01.75

Abstract

Micro, Small and Medium Enterprises (MSMEs) in the national economy have an important and strategic role. However, most MSMEs face capital constraints and limited access to formal financial institutions such as Islamic microfinance institutions. Baitul Maal Wat Tamwil (BMT) is a sharia microfinance institution that can be a solution to obstacles. This community service aims to program access to sharia financing for MSMEs. This community service is held from July to August 2021 and is located in Cingneng Village, Tenjolaya District, Bogor Regency. The community, especially MSMEs are actively involved in this community service, and this is a practice of the active participation method used in this community service. It is expected that BMT sharia financing has a positive and significant effect on changes in MSME profits.
MERANCANG PENDIDIKAN EKONOMI DAN BISNIS ISLAM DI DESA BOJONG JENGKOL, KECAMATAN CIAMPEA, KABUPATEN BOGOR Rully Trihantana; Ria Kusumaningrum; Setiawan Bima Prasetya
SAHID DEVELOPMENT JOURNAL Vol 2 No 01 (2022): Oktober 2022
Publisher : Jurnal Pengabdian Kepada Masyarakat Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahiddevelopmentjournal.v2i01.79

Abstract

Informal Islamic economic and business education is a process of economic education that occurs indirectly in the family environment such as education for financial transactions. The aim of Islamic economics and business education is none other than to increase public knowledge in managing their finances. The community service activities carried out from July to August 2021 and located in Bojong Jengkol Village, Ciampea District, Bogor Regency, aim to provide a deeper understanding of Islamic economics and business education by providing materials such as habituation to diligent saving, habituation to manage money in meeting primary and secondary needs, habituation to be selective in purchasing goods and use of services, habituation to be a smart consumer, habituation to compare between price and quality, habituation to develop entrepreneurial spirit. The community is enthusiastic about this community service activity, and they have a better understanding of it to apply in their daily lives.
PENEMPATAN PADA BANK LAIN/PLACEMENT IN OTHER BANKS DAN PENGARUHNYA PADA LABA BERSIH KEGIATAN USAHA BANK UMUM SYARIAH Ria Kusumaningrum; Riska Puspa; Ridho Dzatilah; Rizki; Decky Saepul Adha
SAHID BANKING JOURNAL Vol 2 No 01 (2022): Oktober 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v2i01.64

Abstract

Placements with other banks are Investments with Other Sharia Banks both domestically and abroad in the form of, inter-bank Mudharabah investment certificates, mudharabah deposits, mudharabah savings, wadiah current accounts and wadiah savings intended for optimizing fund management. Placements with other banks are a component of earning assets with the aim of optimizing fund management. Therefore the bank must form an allowance to cover possible losses in the same currency. Based on the description above, what needs to be investigated is whether and how Placements in Other Banks are in terms of Current Accounts/Demand Deposits, Savings/Saving Deposits, Deposits/Time Deposits, Guarantee Deposits/Margin Deposits, Sukuk/Sukuk Settlement Funds Sinking Fund, and Others/Others, have a partial or simultaneous effect on Net Income? Then, what are the proposals for contracts regarding Placement in Other Banks in terms of Demand Deposits/Demand Deposits, Savings/Saving Deposits, Deposits/Time Deposits, Guarantee Deposits/Margin Deposits, Sukuk Settlement Fund/Sukuk Sinking Fund, and Others/Others, can increase a better effect on Net Profit? On the basis of this search, this research was conducted and the results were Placements in Other Banks in terms of Current Accounts/Demand Deposits, Savings/Saving Deposits, Deposits/Time Deposits, Guarantee Deposits/Margin Deposits, Sukuk Settlement Fund/Sukuk Sinking Fund , and Others/Others, have no partial effect on Net Income, but simultaneously have an effect on Net Income.
ANALISIS PREFERENSI NASABAH TERHADAP PRODUK PEMBIAYAAN MURABAHAH DAN MUDHARABAH DI BAITUL MAL WA TAMWIL (BMT) IKHLASUL UMMAH, KABUPATEN BOGOR Neneng Nurhasanah; Rully Trihantana; Ria Kusumaningrum
SAHID BANKING JOURNAL Vol 2 No 01 (2022): Oktober 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v2i01.71

Abstract

Baitul Mal wa Tamwil or abbreviated as BMT is an Islamic financial institution based on the Al-Qur'an and Al-Hadith which refers to the principle of muamalah. One of the products that customers are most interested in is murabaha and mudharabah financing products. In deciding to choose and use a financing product, it is influenced by customer preferences through several factors such as psychological factors, personal factors, and social factors. The purpose of this study was to determine the factors that influence customer preferences for financing murabahah and mudharabah contracts at BMT Ikhlashul Ummah Bogor Regency, and to analyze customer preferences for financing murabahah and mudharabah contracts at BMT Ihklashul Ummah Bogor Regency. This research is a qualitative research that uses a descriptive analysis approach with an inductive mindset that takes specific statements and then draws general conclusions. Thus, it can be known the customer preferences in using murabahah and mudharabah contract financing at BMT Ikhlashul Ummah, Bogor Regency.
ANALISIS STRENGTHS WEAKNESSES OPPORTUNITIES THREATS (SWOT) POLA TANGGUNG RENTENG DI KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH (KSPPS) BAYTUL IKHTIAR CABANG LEUWISADENG Iman Afriansyah; Ria Kusumaningrum; Muhamad Rizal
SAHID BANKING JOURNAL Vol 2 No 01 (2022): Oktober 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v2i01.74

Abstract

Sharia financing jointly and severally is one of the strategies of Islamic financial institutions in channeling third party funds. This study aims to analyze the effectiveness of sharia financing jointly and severally. Researchers used a SWOT analysis tool (Strengths, Weaknesses Opportunities, and Threats). The method in this research is qualitative research, observation, and interviews. The results of this study indicate that sharia financing jointly and severally implemented by the Baytul Ikhtiar Savings and Loans and Sharia Financing Cooperative (KSPPS) is very effective and good. This began with a fairly rigorous selection process for recruiting prospective members for joint responsibility financing, then intensive mentoring or monitoring was carried out by KSPPS Baytul Ikhtiar. There are fewer problem financing, and sharia financing jointly and severally can still be carried out at KSPPS Baytul Ikhtiar.
Co-Authors abdul kodir Afina Putri Nabilla Alda Herawati Decky Saepul Adha Fika Fitria Fitria Ningsih Fika Fitria Ningsih Iman Afriansyah Muhamad Rizal Muhamad Rizal Muhammad Yaya Supriadi Neneng Nurhasanah Rafiduddin Ridho Dzatilah Riska Puspa Rizki Rully Trihantana Setiawan Bima Prasetya Siska Oktavia Siti Maspupah Siti Neli Ismawati Sri Hartati Mulya Susi Melinasari Trihantana, Rully