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All Journal Jurnal Ekonomi : Journal of Economic QIJIS (Qudus International Journal Of Islamic Studies) An-Nisbah: Jurnal Ekonomi Syariah JURNAL LENTERA : Kajian Keagamaan, Keilmuan dan Teknologi Jurnal Ekonomi Islam Martabe : Jurnal Pengabdian Kepada Masyarakat GERVASI: Jurnal Pengabdian kepada Masyarakat Account : Jurnal Akuntansi, Keuangan dan Perbankan Journal of Economics and Business Aseanomics Soeropati: Journal of Community Service Jurnal Abdimas Ilmiah Citra Bakti (JAICB) Equalita: Jurnal Studi Gender dan Anak Jurnal Ilmiah Wahana Pendidikan Jurnal Abdimas Bina Bangsa Islamic Business and Finance (IBF) Rengganis Jurnal Pengabdian Masyarakat Jurnal Abdimas Kartika Wijayakusuma Unram Journal of Community Service (UJCS) Jurnal Ekonomika Dan Bisnis PREDIKSI : Jurnal Administrasi dan Kebijakan Prosiding University Research Colloquium International Journal of Economics (IJEC) International Journal of Community Service (IJCS) Dharma Pengabdian Perguruan Tinggi (DEPATI) Jurnal Ekonomi Islam JURNAL EKONOMI BISNIS DAN MANAJEMEN Indo-Fintech Intellectuals: Journal of Economics and Business Amal Ilmiah: Jurnal Pengabdian Kepada Masyarakat Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Ekonomi Bisnis dan Manajemen Jurnal Kajian Islam dan Sosial Keagamaan Advances In Social Humanities Research El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam JURNAL RUMPUN MANAJEMEN DAN EKONOMI An-Nisbah: Jurnal Ekonomi Syariah Journal of Ekonomics, Finance, and Management Studies Jurnal Pengabdian Kepada Masyaraka Pelita Nusantara Jurnal Abdimas Ilmiah Citra Bakti Al-Infaq : Jurnal Ekonomi Islam
Renny Oktafia, Renny
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Utilization of Technology in Facilitating Customer Purchases and Payments at Charles & Keith Puspito, Galuh Retno; Oktafia, Renny
International Journal of Economics (IJEC) Vol. 3 No. 1 (2024): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i1.726

Abstract

With its continued development, technology is now not only used as a communication medium, but can be used as a means of payment or online shopping. Currently, the public or customers are offered many digital shopping and payment methods. PT Kurnia Ciptamoda Gemilang under the Charles & Keith brand has utilized existing technological advances by implementing an online shopping model via website and chat shop as well as a payment method using e-money, without eliminating the cash payment method. Despite innovation, many Charles & Keith customers are still confused about the steps from shopping to payment. This is due to the lack of information obtained so the company introduces this innovation through salespeople. The purpose of this activity is to find out the use of technology to facilitate customer access to purchases and payments at Charles & Keith. The method used is ABCD (Asset Based Community Development) with several stages such as preparation stages, implementation stages and monitoring and evaluation stages. The results obtained from this activity show that the company has taken advantage of technological developments that provide a choice of shopping methods via websites and chat shops as well as payments using transfers, QRIS, credit cards, virtual accounts, and others. Customers also received this innovation positively, as monthly results show about the increase in the number of chat shop users.
Peran Kesetaraan Gender Terhadap Upaya Peningkatan Kualitas Hunian Dan Kualitas Hidup Dalam Program Bantuan Stimulan Perumahan Swadaya (BSPS) Kholifah, Ananda Nur; Marseto, Marseto; Oktafia, Renny
Equalita: Jurnal Studi Gender dan Anak Vol 5, No 2 (2023)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/equalita.v5i2.17262

Abstract

This study aims to examine the role of gender mainstreaming in efforts to improve the quality of housing and quality of life with the Self-Help Housing Assistance Program (BSPS). This analysis uses qualitative research methods of observation, interviews, literature studies, and documentation in Jombok Village, Pule District, and Trenggalek Regency. Efforts to improve the quality of housing and quality of life were validated by looking at the condition of the house before and after the BSPS program's assistance. From the results of the study, it was found that the role of gender mainstreaming in improving the quality of housing and living standards was running quite well and was able to achieve success. The implementation of the Self-Help Housing Assistance Program (BSPS) has successfully implemented aspects of gender equality, including Access, benefits, control, and participation. The fulfillment of these four aspects is a sign of the successful implementation of gender mainstreaming in BSPS operations in Trenggalek Regency.
Maqashid Syariah Sebagai Tujuan Ekonomi Islam Maulidyah, Syafrida; Putri, Rosalyta Rifany; Pandiangan, Jeniper Indah; Oktafia, Renny
Jurnal Kajian Islam dan Sosial Keagamaan Vol. 1 No. 4 (2024): April - Juni
Publisher : CV. ITTC INDONESIA

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Abstract

Syariah maqasid is at the core of all economic analysis, especially those dealing with issues such as poverty, wealth distribution, and economic development. One economist stressed that achieving economic goals in Islam can be done by distributing wealth fairly so that it can be enjoyed by the whole society, not just by the wealthy few. Sharia maqasid serves as a framework in building an Islamic economy, keeping economic activity in accordance with sharia principles, as well as a bridge between God's will and human aspirations. The application of maqashid sharia in daily life is hifdz mal to obtain such benefits for charity in its fiddunya wal hereafter, hifdz din (keeping religion) is a consideration recorded part of worship to Allah SWT and hifdz 'aql maintenance of purpose because insight into knowledge can improve the level of life.
IMPLEMENTASI GOOD CORPORATE GOVERNANCE PADA PONDOK PESANTREN SEBAGAI UPAYA PENINGKATAN DAYA SAING Oktafia, Renny; Basith, Abdul
Ekonomi Islam Vol. 8 No. 1 (2017)
Publisher : Universitas Muhammadiyah Prof DR HAMKA

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Abstract

This study aims to describe the implementation of the principles of good corporate governance at the Pondok Pesantren Al-Fattah, Sidoarjo. The method used to determine the informant is purposive sampling. In this qualitative research data collection using interviews, documentation and observation. From these results, it can be concluded that the implementation of the principles of good corporate governance in Pondok Pesantren As-Shafi'ites good enough. This is evidenced by the development of cottage pesntren which is constantly increasing. Suggestions for boarding is better optimize the principle of independency for the success of future schools.
Financial Management Training for Micro Business to Maintain Existence in The Digital Era Oktafia, Renny; Muhammad Ilham Naufal
IJCS: International Journal of Community Service Vol. 2 No. 2 (2023): IJCS: International Journal of Community Service
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijcs.v2i2.522

Abstract

Village Owned Enterprises is a business entity established with the aim of helping provide facilities to local village communities to be able to develop entrepreneurial skills, starting from creativity to produce an item that can generate selling value and use value over a long period of time, by In other words, they are able to compete in terms of quality. However, it is very unfortunate when the active members of Village Owned Enterprises do not yet have the skills to keep financial records which is one of the important aspects of running a business. This activity aims to provide training to every active member of the Village Owned Enterprise in the Kludan Village, Sidoarjo with the Asset Based Communities Development method with several stages that have been carried out including conducting studies, having dreams or targets, setting procedures, setting clear goals and having self-determination. It is hoped that the service activities that have been carried out will have a positive impact by demonstrating the development of the abilities possessed by each member of the Village Owned Enterprise in utilizing financial literacy.
Community Assistance to Optimize Child Identity Cards (KIA) As A Means of Payment Through Population Administration Services in Sukolilo District Fransiska Ajustina; Oktafia, Renny
IJCS: International Journal of Community Service Vol. 2 No. 2 (2023): IJCS: International Journal of Community Service
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijcs.v2i2.709

Abstract

From year to year, the growth of the population continues to increase. Each citizen has the duty and right to report population events and obtain official population documents to be recognized as citizens. Every citizen is required to have population documents, one of which is the Child Identity Card (KIA). The increasing population growth can lead to the emergence of population administration issues. Some communities still do not have population administration documents, such as Child Identity Cards. This is due to the lack of awareness among the public about the importance of population administration, a lack of understanding of the benefits of the Child Identity Card, and limitations in technological knowledge. Therefore, the government issues policies and innovations to address these issues. The aim of this activity is to improve the distribution and optimization of the Child Identity Card (KIA) as a payment tool. In implementing this service activity, the Asset Based Community Development (ABCD) method is used. The ABCD method is a concept of empowering communities by utilizing the assets or potentials that the community possesses. Through various stages, this can increase the level of self-awareness in the community and enhance the distribution of the Child Identity Card as a payment tool in the city of Surabaya, impacting various fields, especially in population and the economy.
Increasing Sales Through E-Commerce for MSMEs BTPN Syariah Pasar Kliwon District, Surakarta City Candraningtyas, Callista Vania; M. Taufiq; Oktafia, Renny
IJCS: International Journal of Community Service Vol. 3 No. 2 (2024): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijcs.v3i2.997

Abstract

MSMEs are important in advancing the economy in Indonesia today, even though they still face various challenges, one of which is a lack of market access. To overcome this challenge, it is important for MSME players to utilize digital technology that has developed, such as e-commerce. Bank BTPN Syariah has created mentoring programs such as the Friends of Power program through accompanying facilitators from Certified Independent Study Internship (MSIB) participants. The aim of this activity is to determine the income growth of Micro, Small and Medium Enterprises (MSMEs) and develop their businesses in Pasar Kliwon District. The method used is the ABCD (Asset Based Community Development) method, which is a design for community empowerment using assets and data collection techniques through observation and documentation. This shows that the use of digital technology, especially e-commerce, can have a significant impact in developing their business and increasing the income of MSME customers of BTPN Pasar Kliwon District.
Instrumen Investasi Syariah Sebagai Alat Alternatif Investasi Bodong di Era Industri 5.0 angella20, jemima20; Oktafia, Renny
Journal of Economics and Business Aseanomics Vol. 8 No. 2 (2023): JULI - DESEMBER 2023
Publisher : Universitas YARSI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33476/jeba.v8i2.4188

Abstract

The growth of the financial industry in the industrial era 5.0 requires a creative mindset to face new opportunities or challenges as a result. One of the problems that arises is the existence of fraudulent investments that harm investors. Therefore, exploring sharia investment instruments that are used as safe alternative tools is used as a research objective in the midst of the rush of fraudulent investments. Through a literature review and in-depth description, sharia investment instruments such as sharia shares, sharia bonds or sukuk, sharia mutual funds, sharia savings, sharia deposits, gold and property will be assessed for their historical performance and strength. So that it can become a halal and trusted investment preference for the community. The research results prove that sharia investment instruments can not only be a good and long-lasting option in the industrial era 5.0, but also provide a solution to fraudulent investments in order to achieve financial goals with minimum risk.
Analisis Kinerja Keuangan Menggunakan Rasio Likuiditas Pada PT. Bank Rakyat Indonesia (Persero) Tbk Tahun 2020-2022 Ristiyono, Adinda Dwi; Himmah, Faiqotul; Tania P.F, Fredella; Oktafia, Renny
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 1 (2024): Maret
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v1i1.1142

Abstract

Perkembangan ekonomi global yang cepat menantang perbankan untuk menyesuaikan kebijakan demi menjawab tantangan tersebut. Peran perbankan dalam mengelola ekonomi sangat vital bagi kebutuhan dan keinginan masyarakat. Penelitian ini bertujuan untuk memahami kinerja keuangan pada PT Bank Rakyat Indonesia (BRI) tahun 2020 - 2022 memakai rasio likuiditas. Metode analisis kuantitatif deskriptif digunakan dengan menggunakan data laporan keuangan tahunan. Hasil penelitian menunjukkan kinerja keuangan BRI yang sehat secara keseluruhan selama periode tersebut. Rasio likuiditas, seperti Cash Ratio dan Reserve Requirement, menunjukkan peningkatan dari tahun ke tahun, menandakan kemampuan bank untuk membayar kembali simpanan nasabah dan memenuhi batas minimal yang ditetapkan oleh regulator. Namun, Loan to Deposit Ratio (LDR) menunjukkan peningkatan risiko likuiditas karena bank memberikan lebih banyak pinjaman daripada total simpanan yang diterima. Meskipun demikian, Loan to Asset Ratio (LAR) menunjukkan konsistensi yang baik, sementara Ratio Net Call Money (NCM) menunjukkan peningkatan likuiditas bank. Secara keseluruhan, meskipun beberapa indikator menyoroti risiko likuiditas, kinerja keuangan BRI selama periode 2020-2022 dapat diklasifikasikan sebagai kuat, dengan peningkatan keahlian untuk menyanggupi kewajiban jangka pendek dan manajemen aset yang konsisten.
Peran PT.Bank Syariah Indonesia Tbk Sebagai Lembaga Keuangan Islam Dalam Membantu UMKM di Indonesia Amalia, Holisatul; Wati, Ika Murni; Majid, Alfi Aulia; Oktafia, Renny
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 2 (2024): Mei
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v1i2.1202

Abstract

Perbankan syariah berperan sebagai agen pembangunan dengan cara menghimpun dana masyarakat melalui tabungan dan memberikan kredit atau pembiayaan sesuai dengan prinsip syariah. Terbagi menjadi Bank Umum Syariah (BUS) dan Bank Pembiayaan Syariah (BPRS), perbankan syariah memiliki tingkat kemacetan kredit yang rendah sehingga memberikan fleksibilitas dalam mendukung UMKM. Namun, UMKM seringkali menghadapi tantangan seperti keterbatasan modal, kurangnya inovasi, dan terbatasnya pengetahuan manajemen usaha. Penelitian ini menggunakan metode Library Research dengan pendekatan kuantitatif dan data primer dari PT. Bank Syariah Indonesia Tbk dan BPS. Bank Syariah Indonesia mendukung UMKM dengan meningkatkan pembiayaan seiring dengan bertambahnya tenaga kerja UMKM. Ke depan, Bank Syariah Indonesia dapat meningkatkan strategi pemasaran yang inovatif dan pemerintah dapat fokus pada pemberdayaan UMKM untuk mengurangi pengangguran, dengan harapan pertumbuhan UMKM dapat menjadi solusi permasalahan pengangguran di Indonesia.
Co-Authors Abdul Basith Agustina, Devi Alfiansyah, Calvin Amalia, Holisatul angella20, jemima20 Ardiwinata, Muhammad Everest Ary Fauziah Amini Ayu, Alnysa Purwita Aziz, Rizqi Nurul Afifa Bella, VIOLA Candraningtyas, Callista Vania Crisandy, Fabian Daniswara, Edo Dewi, Kharisma Tri Buana Dimas Nugroho Dwi Seputro Diny, Sakinah Mulia Dyah Suryani Elisabeth Sirait, Petra Fadhilah, Rizky Ahmad Fadhlilhaq, Tsaqif Faiqotul Himmah Febrianti, Fina Fajar Fironika, Firda Cahaya Fitri Wulandari Fransiska Ajustina Hafizhah, Aqilah Nur Isnaini Harisanti, Nur Nadila Hartanti, Wulan Siska Dwi Ilma, Adam Zidni Imron Mawardi Indiati, Pingkan Syabila Tri Khairunisa, Siti Kholifah, Ananda Nur Kusuma, Shania Pradyptha Laily Nisa, Fauzatul Laily, Fauzatul Latifah, Mutiata M. Taufiq M. Taufiq Majid, Alfi Aulia Mantika, Tri Yuni Marseto Marseto, Marseto Maulidyah, Syafrida Mentari Clara Dewanti Mufajar, Aniswatin Putri Muhammad Ilham Naufal Muhammad Yani, Muhammad Nahdah, Adiibah Afifah Nisa, Fauzatul Laily Nur Hidayat, Yogi Pandiangan, Jeniper Indah Permatasari, Siviana Pratama, Mohammad Adi Puspitasari, Ana Widya Puspito, Galuh Retno Puteri, Natasha Arvanessa Putri Isnaeni, Widya Okta Putri, Rosalyta Rifany Rachmaniyah, Bunga Ayufi Ramadhanty, Nila Safira Reihan, Mohammad Ristiyono, Adinda Dwi Salsabila, Alifah Naurah Sandi, Pramu Mai Santosa, Agus Budhi Saputri, Nanda Vernia Adji Setiawan, Mohammad Irvan Sinaga, Debora Theresia Wulan Situmorang, Febrina Sukiran Putri, Evi Fortuna Syarif, Muhammad Zulfan Taher, Lisanur Kholifah Tania P.F, Fredella Taufiq, M. Ahmad Wati, Ika Murni Wulandari, Annisa Dwi Wulansari, Suci Diana Yundari, Yundari Zahroh, Fitriana Zalyanti, Sephia Zebua, Michael