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All Journal EKONOMIS : Journal of Economics and Business ILTIZAM Journal of Sharia Economic Research Didaktik : Jurnal Ilmiah PGSD STKIP Subang Margin : Journal of Islamic Banking ICONS Malik Al-Shalih: Jurnal Pengabdian Masyarakat
Dessy Anggraini
UIN Sulthan Thaha Saifuddin Jambi
Economics, Econometrics & Finance Education

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KONTRIBUSI PERKEMBANGAN LEMBAGA KEUANGAN SYARIAH TERHADAP PERTUMBUHAN EKONOMI NASIONAL DI INDONESIA Neneng Sudharyati; Dessy Anggraini
MARGIN: Journal of Islamic Banking Vol 6 No 1 (2026): MARGIN JOURNAL OF ISLAMIC BANKING
Publisher : UIN Sulthan Thaha Saifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/margin.v6i1.5631

Abstract

Perkembangan lembaga keuangan syariah di Indonesia menunjukkan peran yang semakin signifikan dalam mendukung pertumbuhan ekonomi nasional. Sistem keuangan syariah tidak hanya menawarkan alternatif pembiayaan yang sesuai dengan prinsip Islam, tetapi juga mendorong terciptanya sistem keuangan yang lebih inklusif, stabil, dan berkeadilan. Penelitian ini bertujuan untuk mengkaji kontribusi perkembangan lembaga keuangan syariah terhadap pertumbuhan ekonomi nasional melalui pendekatan studi kepustakaan. Metode penelitian yang digunakan adalah library research dengan mengkaji berbagai sumber literatur berupa buku, jurnal ilmiah, laporan resmi, dan penelitian terdahulu yang relevan. Hasil kajian menunjukkan bahwa lembaga keuangan syariah berkontribusi terhadap perekonomian nasional melalui pembiayaan produktif, peningkatan inklusi keuangan, penguatan sektor UMKM, serta ketahanan sistem keuangan dalam menghadapi krisis. Prinsip bagi hasil dan pembiayaan berbasis aset yang diterapkan mampu mendukung pertumbuhan ekonomi yang berkelanjutan dan mengurangi ketimpangan ekonomi. Oleh karena itu, penguatan dan pengembangan lembaga keuangan syariah memiliki potensi besar sebagai salah satu pilar penting dalam pembangunan ekonomi nasional.
Kajian Empiris Pengaruh Pertumbuhan Ekonomi, Indeks Pembangunan Manusia, dan Jumlah Penduduk Terhadap Ketimpangan Distribusi Pendapatan di Provinsi Jambi Tahun 2020-2024 Dessy Anggraini; Beid Andriani Fitrianova; Khusnul Istiqomah; Abdurrahman Abdurrahman
Ekonomis: Journal of Economics and Business Vol 10, No 1 (2026): Maret
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v10i1.2854

Abstract

This study aims to analyze the influence of economic growth, the human development index (HDI), and population on the income distribution gap in Jambi Province. Income distribution gap is an important indicator in assessing the success of a region's economic development. Although economic growth has increased, this is not always followed by income equality in society. This study uses a quantitative approach with secondary data obtained from the Central Statistics Agency (BPS) of Jambi Province for the period 2020-2024. The analytical method used is panel data regression with model testing through the Chow test, the Hausman test, and the Lagrange Multiplier (LM) test. The results show that simultaneously, the variables of economic growth, HDI, and population have a significant effect on the income distribution gap. However, partially only the economic growth variable has no significant effect, while the HDI and population variables have a significant effect on the income distribution gap in Jambi Province for 2020-2024.
PENGARUH PEMBIAYAAN MUDHARABAH DAN MUSYARAKAH TERHADAP TINGKAT PROFITABILITAS PADA PT. BANK MUAMALAT INDONESIA TAHUN 2018-2015 Sela; Ahsan Putra Hafiz; Dessy Anggraini
Didaktik : Jurnal Ilmiah PGSD STKIP Subang Vol. 12 No. 02 (2026): Volume 12 Nomor 02, Juni 2026 Published
Publisher : STKIP Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36989/didaktik.v12i02.15271

Abstract

Perbankan syariah memiliki peran penting dalam mendukung perekonomian melalui penyaluran pembiayaan yang sesuai dengan prinsip syariah. Tingkat keberhasilan bank dapat dilihat dari profitabilitasnya, yang diukur menggunakan Return on Assets (ROA). Pembiayaan Mudharabah dan Musyarakah merupakan produk pembiayaan berbasis bagi hasil yang diharapkan mampu meningkatkan keuntungan bank. Penelitian ini bertujuan untuk mengetahui pengaruh pembiayaan Mudharabah dan Musyarakah terhadap profitabilitas pada PT Bank Muamalat Indonesia tahun 2018–2025. Penelitian menggunakan metode kuantitatif dengan analisis regresi linier berganda. Data yang digunakan berupa laporan keuangan triwulanan Bank Muamalat Indonesia.Hasil penelitian menunjukkan bahwa secara parsial pembiayaan Mudharabah dan Musyarakah berpengaruh negatif terhadap profitabilitas (ROA). Selain itu, secara simultan kedua variabel tersebut juga tidak berpengaruh signifikan terhadap profitabilitas bank. Hal ini menunjukkan bahwa peningkatan atau penurunan profitabilitas Bank Muamalat tidak hanya dipengaruhi oleh pembiayaan Mudharabah dan Musyarakah, tetapi juga dipengaruhi oleh faktor lain, seperti efisiensi operasional, kualitas aset, dan manajemen risiko. Penelitian ini diharapkan dapat menjadi bahan referensi dalam pengembangan perbankan syariah dan evaluasi bagi manajemen bank dalam menentukan strategi pembiayaan yang lebih efektif.
Pengaruh Literasi Keuangan Syariah, Financial Technology Syariah, dan Religiusitas terhadap Minat Penggunaan Layanan Keuangan Syariah pada Generasi Z di Kota Jambi Dessy Anggraini; Neneng Sudharyati; Ogi Saputra; Hadi Saputra
Ekonomis: Journal of Economics and Business Vol 10, No 2 (2026): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v10i2.2969

Abstract

This study aims to analyze the influence of Islamic financial literacy, Islamic financial technology, and religiosity on the intention to use Islamic financial services among Generation Z in Jambi City. This research employs a quantitative approach with an associative research type. The sample consists of 100 Generation Z respondents selected through purposive sampling. Data were collected using a questionnaire and analyzed using multiple linear regression with SPSS. The results show that Islamic financial literacy, Islamic financial technology, and religiosity simultaneously have a significant effect on the intention to use Islamic financial services, with an Adjusted R Square value of 0.719. Partially, Islamic financial literacy and Islamic financial technology have a positive and significant effect, while religiosity does not have a significant effect. These findings indicate that literacy and digital technology factors are more dominant than religiosity in shaping Generation Z’s intention. The practical implication is that Islamic financial institutions need to strengthen Islamic financial literacy education and develop innovative, user-friendly, and secure Islamic financial technology services to increase Generation Z’s interest in Islamic financial services.
The Issuance Of A Business Identification Number (NIB) As A Step Toward Legalization And Halal Certification Of MSME Products Of Naru Snack In Jambi City Neneng Sudharyati; Dessy Anggraini; Ayu Wulandari; Riska Umariah; Fitriyanti Hartati; Loisa Putri Br Ginting; Rizky Firmansyah Chandra
Malik Al-Shalih : Jurnal Pengabdian Masyarakat Vol. 4 No. 2 (2025): Malik Al-Shalih: Jurnal Pengabdian Masyarakat
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/malikal-shalih.v4i2.6783

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in supporting economic growth in Indonesia. However, many MSMEs lack business legality and halal certification, including Naru Snack in Jambi City. This study aims to assist MSMEs in obtaining a Business Identification Number (NIB) and halal certification, ensuring legitimate business legality and strengthening consumer trust in their products. The method used is descriptive qualitative, using observation, interviews, and documentation. The mentoring process was conducted through the Online Single Submission (OSS) system for NIB registration and the SiHalal system for halal certification applications. The results of this activity indicate that this mentoring was successful in helping partners obtain NIBs and register for halal certification. With this legality, Naru Snack can increase its competitiveness and expand its market reach. This activity also raises awareness among MSMEs about the importance of legality and compliance with applicable laws and regulations.
Co-Authors Abdurrahman Abdurrahman Aditya Febrian Ahmad Tarmizi Ahsan Putra Hafiz Anisa Desriani Husma Arif Permana Aulia Fitriani Ayu Wulandari Beid Andriani Fitrianova Boby Indrawan Defani Sintia Nada Dewi Sartika Dewi Sartika Dewi Sinta Ritonga Elini Fitriyanti Hartati Hadi Saputra Hikmah Metha Nabila Indra Cahyano Jannatin Aliyah Karina Khafidz Ahsani Khusnul Istiqomah Loisa Putri Br Ginting M Rafly Saputra M. Dany Prasetya Madinah Mhd. Raihan Moza Aulia Muhammad Ferdi Saputra Munsarida Munsarida Mutia Farizi Neneng Sudharyati Nur Sella Indriani Nurul Fitriani Ogi Saputra Putri Rahmaini Rahmah Indira Azzara Rina Ledya Wati Riska Umariah Rizky Firmansyah Chandra Safaria Safaria Safinatun Najah Salsabilla Anugrah Pangesti Sela Shelvi Sagita Devi Sintia Delvianti Sissah Sissah Siti Hariyani Srikandi Suci Wulandari Ummi Ni'Maturrohmah Warda Kamila Widya Yetti Suhartini