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All Journal El Dinar Jurnal Ekonomi Syariah Teori dan Terapan Journal of Information Systems Engineering and Business Intelligence Ziswaf : Jurnal Zakat dan Wakaf Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Uqud : Journal of Islamic Economics Dinamisia: Jurnal Pengabdian Kepada Masyarakat Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah SYIRKAH Iqtishoduna: Jurnal Ekonomi Islam JESI (Jurnal Ekonomi Syariah Indonesia) J-Dinamika: Jurnal Pengabdian Kepada Masyarakat EconBank : Journal Economics and Banking Tasharruf: Journal Economics and Business of Islam Indonesian Journal of Electrical Engineering and Computer Science Ihsan: Jurnal Pengabdian Masyarakat MALIA: Journal of Islamic Banking and Finance JES (Jurnal Ekonomi Syariah Adz Dzahab : Jurnal Ekonomi dan Bisnis Islam EMBISS: Jurnal Ekonomi, Manajemen, Bisnis, Sosial JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen GREENOMIKA MOVE: Journal of Community Service and Engagement Jurnal Ekonomika dan Bisnis Islam Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Formosa Journal of Multidisciplinary Research (FJMR) Mumtaz : Jurnal Ekonomi dan Bisnis Islam Inspirasi: Jurnal Pengabdian dan Pemberdayaan Masyarakat Journal of Islamic Economics Lariba IIJSE Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Indonesian Journal of Economic & Management Sciences (IJEMS) Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Ecoducation
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Analisis Prinsip Syariah Pada Pembiayaan Modal Usaha: Studi Kasus BMT Mandiri Sejahtera Kecamatan Sugio Kabupaten Lamongan Febrianti Nilam Sari; Clarashinta Canggih
JURNAL EKONOMI, MANAJEMEN, BISNIS, DAN SOSIAL (EMBISS) Vol. 2 No. 1 (2021): November 2021
Publisher : CV ODIS

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Abstract

The purpose of this study is to determine the conformity of Sharia principles in business capital financing at BMT Mandiri Sejahtera, Sugio sub-district branch. The method was descriptive qualitative with data collection techniques through interviews and documentation. The validity test used the source triangulation technique. This study indicates that BMT Mandiri Sejahtera has three Sharia contracts  in business capital financing. It consists of Rahn, murabahah and mudharabah. Rahn is the most popular financing contract. There have been violations of shariah rules on Rahn in 2019, whereas, for murabahah and mudharabah financing contracts, they have followed the existing Sharia rules.    Keywords: Baaitul maal tamwil, financing, Sharia contract, rahn, murabahah, mudharobah
Comparing the Islamic Rural Banks (BPRS) Soundness on Java Area Before and During the Pandemic Henny Rahma Sari; Clarashinta Canggih
MALIA: Journal of Islamic Banking and Finance Vol 5, No 2 (2021): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v5i2.12351

Abstract

Thestudy aimed to compare the Islamic Rural Banks (BPRS) soundness on Java area before and during the pandemic. The research is a quantitative study using secondary data obtained from the monthly Islamic Banking statistics published by Otoritas Jasa Keuangan. The sample was DPK, NPF, and FDR of BPRS in 6 provinces at Java island from May 2019 until November 2020. The analysis of the data in this study used Wilcoxon analysis. The results of the study indicated there is a different of BPRS soundness, represented by DPK, NPF, and FDR before and during the pandemic covid-19. 
Efficiency of Islamic Insurance in Indonesia Rachma Indrarini; Clarashinta Canggih
IQTISHODUNA: Jurnal Ekonomi Islam Vol 8 No 2 (2019): Oktober
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (335.059 KB) | DOI: 10.36835/iqtishoduna.v8i2.413

Abstract

This paper aims to measure Islamic Insurance Efficiency in Indonesia. This paper uses quantitative data analysis through Data Envelopment Analysis to assess efficiency. Input variables in this study are total assets, expenses, and claims payments, while the output variables used are tabaru income and funds during 2012-2016. The objects of this paper are PT. AJS Amanahjiwa Giri Arta, PT AJS Al Amin, and PT Asuransi Takaful Keluarga. The result shows that in general, Islamic insurance in Indonesia is not yet efficient.
Apakah Literasi Mempengaruhi Penerimaan Zakat? Clarashinta Canggih; Rachma Indrarini
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 11, No 1 (2021)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (678.616 KB) | DOI: 10.21927/jesi.2021.11(1).1-11

Abstract

Zakat is not only relates to ilahiyah worship but also relates to muamalah which has social and economic value. Zakat can be used as a tool to increase welfare and eradicate poverty. Since, Indonesia has large Muslim population, it supposes to has large amount of Zakat. However, the actual recorded zakat collection is still very far from the potency. People zakat literacy about zakat obligations is also low. This paper aims to see the impact pf zakat literacy to zakat collection by OPZ. This research was an associative quantitative study using PLS-SEM bootstrap with WarpPLS5. The object of this research was 9 OPZs (8 LAZNAS and 1 BAZ) which have representative offices in Surabaya. Respondents of this study were muzakki who represented OPZ. The results of this study indicated that zakat literacy has a significant effect on the realization of zakat collection, however the intention to pay zakat does not mediate the relationship between literacy and the realization of zakat collection. This research can be used to identify steps to increase zakat collection.
VISIT WONOSALAM : PENGUATAN POTENSI WISATA DESA MELALUI STRATEGI MARKETING BERBASIS SYARIAH Rachma Indrarini; Ahmad Ajib Ridlwan; Tony Seno Aji; Clarashinta Canggih
J-Dinamika : Jurnal Pengabdian Masyarakat Vol 3 No 2 (2018): Desember
Publisher : Politeknik Negeri Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25047/j-dinamika.v3i2.1021

Abstract

Pengabdian Kepada Masyarakat ini berbasis pada kebutuhan dan keinginan warga desa sumberejo dan pangklungan wonosalam Jombang untuk mengembangkan potensi wisata di daerah mereka. Desa sumberejo dan Desa Pangklungan merupakan salah satu desa yang berada di wilayah Wonosalam Jombang dengan potensi wisata yang melimpah. Salah satu wisata di kawasan tersebut adalah goa sriti di desa sumberejo dan eco park di desa panglungan. Kawasan wisata tersebut, merupakan wisata yang baru yang pengelolaannya masih sederhana termasuk didalamnya adalah strategi pemasarannya. Sehingga PKM ini lebih difungsikan untuk menggajarkan kepada masyarakat terkait strategi pemasaran. Jombang merupakan kota santri, sebagian besar penduduknya adalah umat muslim sehingga potensi halal tourism atau wisata syariah memiliki peluang yang besar. Pada PKM ini strategi pemasaran yang akan di gunakan merupakan pemasaran berbasis syariah. Solusi yang ditawarkan adalah pendampingan pembuatan sistem informasi pemasaran untuk desa wisata tersebut. Program ini akan memberikan mempermudah desa dalam memasarkan pariwisatanya. Penerapan pemasaran yang dgunakan adalah pemasaran brbasis media sosial, strategi branding dan pemasaran syariah diharapkan dapat mengembangkan wisata di Wonosalam Jombang.Kata Kunci : Pemasaran Syariah, Wonosalam
POTENSI DAN REALISASI DANA ZAKAT INDONESIA Clarashinta Canggih; Khusnul Fikriyah; Ach. Yasin
al-Uqud : Journal of Islamic Economics Vol. 1 No. 1 (2017): Januari
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (378.942 KB) | DOI: 10.26740/al-uqud.v1n1.p14-26

Abstract

This paper aims to find out illustration and estimation of zakat potency as well as the amount of zakat collection in Indonesia. Furthermore, it aims to outline the diversity between potency and realization of zakat. It used quantitative descriptive approach through secondary data collection from several sources. The result shows both potency and realization of zakat collection in Indonesia were increasing during 2011-2015. However, the amount of zakat potency surpasses the amount of zakat realization with wide gap.It shows that the average amount of zakat collection on 2011-2015 is less than 1% compare to its potency. One of the possible reason is most of Indonesian prefer to distribute their zakat directly to the muzakki, hence it is unrecorded.
Peningkatan Kesehatan Masyarakat di Masa Pandemi Bagi Warga Panti Asuhan di Surabaya Clarashinta Canggih; Khusnul Fikriyah; Rachma Indrarini; Sri Abidah Suryaningsih; Nurul Hanifah
Dinamisia : Jurnal Pengabdian Kepada Masyarakat Vol. 5 No. 4 (2021): Dinamisia: Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Lancang Kuning

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31849/dinamisia.v5i4.6232

Abstract

This Community Service (PKM) activities is based on the condition of the orphanage which is inhabited by many people. Maintaining health is very important while living and interacting with many people during the Covid-19 Pandemic. One of the efforts to maintain health is by implementing personal hygiene so we are not become a virus carrier for other people. Based on the recommendation of WHO and also the Surabaya City Government, residents are asked to implement a clean and healthy lifestyle (PHBS). This PKM aimed to provide information to the community, particularly who lives in orphanage, about efforts to live a clean and healthy lifestyle and provide vitamins and foodstuffs to maintain and improve the personal health of the residents of the orphanage. The implementation of this Community Service activity took place from June-October 2020. With the implementation of this activity, it was found that there was an increase in the understanding of the orphanage about clean and healthy living habits. In addition, it is hoped that in the long term, the residents of the orphanage will be more concerned with personal hygiene and also apply health protocols in their daily lives so that they can break the chain of transmission of the Covid 19 pandemic
Analisis Kinerja Keuangan Bank Umum Syariah (BUS) melalui Pendekatan Islamicity Perfomance Index Dewi Sjam; Clarashinta Canggih
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5307

Abstract

The study aims to analyze the financial performance of Sharia commercial banks in Indonesia during 2016-2020 using the Islamicity Perfomance Index (IPI) approach. Measured by Profit Sharing Ratio, Zakat Perfomance Ratio, Equitable Distribution Ratio, Directors-Employee Welfare Ratio, and Islamic Income vs Non Islamic Income. In particular, these index not only measure materially, but also measures the social responsibility of Islamic banking performance. Data analysis used quantitative descriptive method. The research sample taken was 11 (eleven) Islamic banks and considered related to data, period, registered on the Financial Service Authority (OJK). The data obtained from annual report through the Islamic Bank official website. From the study result, it can be concluded that financial perfomance at Sharia Commercial Banks has not had a positive increase along the years. There was a significant degradation on 2017. It is affected by the value of zakat distribution and shareholders. But in terms of halalness, Sharia commercial banks have avoided the element of usury.
Analysis of Factors that Influence Investment Decisions in the Islamic Capital Market: Case Study of Surabaya City Hapsari Dinar Afifa Hariawan; Clarashinta Canggih
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 4 (2022): Juli-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20224pp495-511

Abstract

ABSTRAK Penelitian ini bermaksud mencari aspek yang memberikan pengaruh keputusan investasi di pasar modal syariah. Pada penelitian ini menggunakan metodologi kuantitatif Exploratory Factor Analysis (EFA) sehingga tidak diidentifikasikan variabel/konstruk bebas maupun konstruk terikat. Penelitian ini memanfaatkan metode purposive sampling dengan 100 responden yang disebar melalui kuesioner yang telah memenuhi kriteria penelitian. Hasil dari studi ini mengatakan ada 4 aspek yang memberikan pengaruh terhadap keputusan investasi di pasar modal syariah yaitu pengetahuan investasi, motivasi intrinsik dan ekstrinsik, informasi akuntansi, dan tabungan dan pinjaman. Keempat faktor tersebut mempengaruhi keputusan investasi di pasar modal syariah sebesar 61.388%. Penelitian ini mengandung implikasi bahwa faktor – faktor tersebut sebagai bahan pertimbangan investor dan pembaca saat melaksanakan investasi di pasar modal syariah. Investor dihimbau agar memiliki kehati-hatian saat pengambilan keputusan berinvestasi agar tidak terjadi kerugian yang tidak diinginkan. Kata Kunci: Pengetahuan Investasi, Motivasi Intrinsik dan Ekstrinsik, Informasi Akuntansi, Tabungan dan Pinjaman, Keputusan Investasi.   ABSTRACT This research aims to determine what aspects lead to investment decisions in the Islamic capital market. This study uses a quantitative approach of Exploratory Factor Analysis (EFA) so that neither independent nor dependent variables were identified. This research utilized a purposive sampling method with 100 participants distributed through a questionnaire that met the research criteria. The results of this research imply that 4 aspects affect investment decisions in the Islamic capital market, i.e investment knowledge, intrinsic and extrinsic motivation, accounting information, and savings and loans. These four factors affect investment decisions in the Islamic capital market by 61.388%. This study implies that these factors are considered by investors and readers in investing in the Islamic capital market. Investors are expected to be more cautious about decisions during investment so that unwanted losses do not occur. Keywords: Investment Knowledge, Intrinsic and Extrinsic Motivation, Accounting Information, Savings and Loans, Investment Decisions.   DAFTAR PUSTAKA Alquraan, T., Alqisie, A., & Al Shorafa, A. (2016). Do behavioral finance factors influence stock investment decisions of individual investors? (Evidences from Saudi stock market). American International Journal of Contemporary Research, 6(3), 159–169. Antonio, M. S., Hafidhoh, H., & Fauzi, H. (2013). the Islamic capital market volatility: A comparative study between in Indonesia and Malaysia. Buletin Ekonomi Moneter Dan Perbankan, 15(4), 391–415. https://doi.org/10.21098/bemp.v15i4.73 Budiman, I., Maulana, Z., & Kamal, S. (2021). Pengaruh literacy financial, experienced regret, dan overconfidence terhadap pengambilan keputusan investasi di pasar modal. Jurnal Manajemen Strategi Dan Aplikasi Bisnis, 4(2), 321–330. https://doi.org/10.36407/jmsab.v4i2.282 Chen, H. & V. (1998). An analysis of personal financial literacy among college students. Financial Service Review, 7(2), 107–128. https://doi.org/10.1016/S1057-0810(99)80006-7 Darmawan, I., Harsoyo, Y., & Rubiyanto, P. A. (2011). Melek ekonomi pangkal sejahtera, seri economic literacy, belajar ekonomi untuk mahasiswa dan masyarakat awam. Yogyakarta: CAPS. Darmawan, T., Nurwahidin, & Anwar, S. (2019). Analisis faktor-faktor yang memengaruhi keputusan investasi di pasar modal syariah. Jurnal Middle East and Islamic Studies, 6(2), 192–214. http://meis.ui.ac.id/index.php/meis/article/view/103 Ghozali, I. (2011). Aplikasi analisis multivariate dengan program SPSS. Semarang: Badan Penerbit Universitas Diponegoro. Kendari, I., Maksar, M. S., Zakiah, S., & Firdani, W. S. (2022). Pengambilan keputusan investasi syariah yang dimoderasi oleh gender (Studi pada investor mahasiswa galeri investasi syariah BEI pada IAIN Kediri). Skripsi tidak dipublikasikan. Kediri: IAIN Kediri. Kusumawati, M. (2013). Faktor demografi economic factors dan behavioral motivation dalam pertimbangan keputusan investasi di Surabaya. Finesta, 1(2). Listiani, R. (2021). Pengaruh motivasi investasi dan pengetahuan investasi terhadap keputusan berinvestasi di pasar modal syariah pada mahasiswa fakultas ekonomi bisnis Islam UIN Sultan Maulana Hasanuddin Banten. Skripsi tidak dipublikasikan. Serang: UIN Sultan Maulana Hasanuddin Banten. Mahastanti, L. A. (2011). Faktor-faktor yang dipertimbangkan investor dalam melakukan investasi. Jurnal Manajemen Teori Dan Terapan, 4(3), 37–51. https://doi.org/10.20473/jmtt.v4i3.2424 Malik, A. D. (2017). Analisa faktor – faktor yang mempengaruhi minat masyarakat berinvestasi di pasar modal syariah melalui bursa galeri investasi UISI. Jurnal Ekonomi Dan Bisnis Islam, 3(1), 61. https://doi.org/10.20473/jebis.v3i1.4693 Nurin, F., S, B. G., & Budiman, J. (2020). Pengaruh literasi keuangan terhadap keputusan investasi mahasiswa pada kantor perwakilan bursa efek Indonesia Kalimantan Barat (Studi pada Mahasiswa UNTAN). Jurnal Pendidikan Dan Pembelajaran Khatulistiwa, 9(12), 1–8. Suprasta, N., & Nuryasman M. N. (2020). Faktor-faktor yang mempengaruhi pengambilan keputusan investasi saham. Jurnal Ekonomi, 25(2), 251. https://doi.org/10.24912/je.v25i2.669 Pajar, R. C & Pustikaningsih, A. (2017). Pengaruh motivasi investasi dan pengetahuan investasi terhadap minat investasi di pasar modal pada mahasiswa FE UNY. Jurnal Profita: Kajian Ilmu Akuntansi, 5(1). Panter, A. T., Swygert, K. A., Dahlstrom, W. G., & Tanaka, J. S. (1997). Factor analytic approaches to personality item - level data. Journal of Personality Assesment, 68(3), 561–589. https://doi.org/10.1207/s15327752jpa6803_6 Puspitaningtyas, Z. (2012). Relevansi nilai informasi akuntasi dan manfaat bagi investor. Ekuitas: Jurnal Ekonomi dan Keuangan, 16(2), 164-183. https://doi.org/10.24034/j25485024.y2012.v16.i2.214 Rahim, A., & Saputra, H. (2017). Exploratory factor analysis (EFA) pada penyerapan anggaran pendapatan dan belanja negara (APBN) tahun 2017 di Provinsi Sumatera Barat. Indonesia Treasury Review, 3(3), 236-254. https://doi.org/10.33105/itrev.v3i3.72 Rakhmatulloh, A. D., & Haryono, N. A. (2019). Pengaruh overconfidence, accounting information, dan behavioural motivation terhadap keputusan investasi di Kota Surabaya. Jurnal Ilmu Manajemen (JIM), 7, 796–806. Rasuma Putri, N. M. D., & Rahyuda, H. (2017). Pengaruh tingkat financial literacy dan faktor sosiodemografi terhadap perilaku keputusan investasi individu. E-Jurnal Ekonomi Dan Bisnis Universitas Udayana, 9, 3407. https://doi.org/10.24843/eeb.2017.v06.i09.p09 Rezeki, F. A. S., & Pitaloka, E. (2020). Faktor-faktor yang mendorong keputusan investasi saham di masa pandemic. Seminar Nasional Terapan Riset Inovatif (SENTRINOV) Ke-6 ISAS Publishing Series: Social and Humanities, 6(2), 131–138. Rivo, M. C., & Ratnasari, R. T. (2020). Faktor yang mempengaruhi perilaku investor Muslim dalam keputusan berinvestasi saham syariah. Jurnal Ekonomi Syariah Teori Dan Terapan, 7(11), 2202-2220. https://doi.org/10.20473/vol7iss202011pp2202-2220 Rofiah, A. W. (2021). Pengaruh pengetahuan, motivasi, keuntungan dan risiko investasi terhadap keputusan menjadi investor di pasar modal syariah (Studi kasus pada nasabah PT Reliance Sekuritas Indonesia Tbk Malang). Skripsi tidak dipublikasikan. Tulungagung: UIN SATU Tulungagung. Saputri, W., & Nurwahidin. (2021). Faktor yang mempengaruhi keputusan investasi generasi milenial pada produk syariah di pasar modal. Jurnal Tabarru’: Islamic Banking and Finance, 4(2), 423–430. https://doi.org/10.25299/jtb.2021.vol4(2).7805 Stephanie, P. D., Enjelina, S., Angelica, M. F., Martinelli, I. (2021). Aspek hukum pelaksanaan vaksinasi covid-19 di Indonesia. Prosiding SENAPENMAS, 10(April), 1263. https://doi.org/10.24912/psenapenmas.v0i0.15162 Sunariyah. (2011). Pengantar pengetahuan pasar modal. Yogyakarta: Unit Penerbit dan Percetakan AMP YKPN Yogyakarta. Surur, M. (2021). Pengaruh religiusitas, kelompok acuan, dan pengetahuan terhadap keputusan investasi mahasiswa FEBI UIN Sunan Ampel Surabaya di pasar modal syariah dengan minat sebagai variabel intervening. Skripsi tidak dipublikasikan. Surabaya: UIN Sunan Ampel. Tandelilin, E. (2010). Dasar-dasar manajemen investasi. In Manajemen Investasi (pp. 1–34). Jakarta: Universitas Terbuka. Triana, O. F., & Yudiantoro, D. (2022). Pengaruh literasi keuangan, pengetahuan investasi, dan motivasi terhadap keputusan berinvestasi mahasiswa di pasar modal syariah. SERAMBI: Jurnal Ekonomi Manajemen Dan Bisnis Islam, 4(1), 21–32. https://doi.org/10.36407/serambi.v4i1.517
Pelatihan Pengelolaan Keuangan Keluarga Islami Bagi Ibu-Ibu PKK Kecamatan Ganding Kabupaten Sumenep Khusnul Fikriyah; Lucky Rachmawati; Sri Abidah Suryaningsih; Clarashinta Canggih
Inspirasi: Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol. 1 No. 2 (2021): Agustus
Publisher : Inspirasi Nusantara

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Abstract

Family financial arrangements are needed to maintain the welfare of the family economy. For Muslim families, Islamic management is very much needed in order to maintain a balanced financial condition in the world and the hereafter. Community Service (PKM) is carried out in Ganding District, Sumenep Regency. In this area the majority of the population is Muslim, but their educational background is 78% of elementary school graduates, so it is estimated knowledge about Islamic financial management is still very low. The form of activities undertaken is training in Islamic family financial management. The purpose of this PKM is to introduce the community closer to the Islamic family financial management. It is hoped that this community service will be a solution for the community to be able to manage family finances in accordance with Islamic teachings, so that the income earned and used becomes more blessing. The results of the implementation of the PKM "Training on Islamic Family Financial Planning for PKK Women in Ganding District, Sumenep Regency" showed an increase in understanding and skills in planning family finances well.