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All Journal Sahmiyya: Jurnal Ekonomi dan Bisnis Journal of Islamic Economics and Finance Velocity: Journal of Sharia Finance and Banking Jurnal Ilmiah Manajemen dan Akuntansi Jurnal Padamu Negeri
Syifa Rohmah
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Analisis Kredit Macet Pada Bank Jateng Syariah Kota Pekalongan Kurniawan, Pratomo Cahyo; Syifa Rohmah; Rifki Dafa Surya
Velocity: Journal of Sharia Finance and Banking Vol 3 No 2 (2023): November
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, Islamic State University K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v3i2.1199

Abstract

Kredit merupakan uang yang diterima bank dalam bentuk simpanan dan kemudian dikirimkan kembali kepada pihak yang memerlukannya sebagai kredit. Bunga yang dibayarkan kepada masyarakat akan diterima bank dalam bentuk keuntungan. Penelitian ini memiliki tujuan untuk mengetahui tingkat rasio kredit macet dan kesehatan di Bank Jateng Syariah Cabang Pekalongan. Metode penelitian yang digunakan dalam penelitian ini yaitu metode deskriptif kuantitatif dengan teknik analisis Non Performing Loan (NPL). Berdasarkan penelitian yang telah dilakukan menghasilkan pada tahun 2017 sampai tahun 2018 menunjukkan bahwa terjadi pengurangan rasio NPL sebesar 0,295%. Kemudian pada tahun 2018 sampai tahun 2019 menghasilkan bahwa penambahan rasio NPL sebesar 0,716%. Pada tahun 2019 sampai tahun 2020 terjadi penurunan tingkat rasio NPL sebesar 0,434%. Data yang dihasilkan dari tahun 2020 sampai tahun 2021 terdapat penurunan rasio NPL sebesar 1,060%.
The Influence of Shopping Lifestyle and Discounts on Impulsive Buying of Fashion Products (A Study among Generation Z Shopee Users in Pekalongan) Rizky Andrean; Syifa Rohmah; Nurul Khikmah
Journal Of Islamic Economics And Finance Vol 4 No 2 (2024): Vol.4 No.2 (2024)
Publisher : UIN K.H. ABDURRAHMAN WAHID PEKALONGAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/jief.v4i2.9130

Abstract

The rapid development of Shopee e-commerce in Indonesia not only brought various positive impacts but also negative impacts including impulsive buying behavior. This study aims to examine the influence of shopping lifestyle and discounts on impulsive buying of fashion products at Shopee e-commerce among Generation Z Consumers in Pekalongan. This study is a survey-based field research with a quantitative approach. Data collection in this study was carried out using a Google Form questionnaire as an instrument. The sample in this study is 96 Generation Z in Pekalongan who used Shopee E-Commerce. The data analysis method is multiple linear regression analysis. Based on the results of data analysis, this study found that shopping lifestyle and discounts had a positive and significant effect on impulsive buying of fashion products on Shopee e-commerce among Generation Z in Pekalongan
UPAYA PENGENTASAN KEMISKINAN DI INDONESIA Mihda Madaliyah; Syifa Rohmah
Sahmiyya: Jurnal Ekonomi dan Bisnis Vol 3, No 2 November 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam

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Abstract

Kemiskinan merupakan suatu kondisi di mana seseorag tidak mampu memenuhi kebutuhan hidupnya, baik kebutuhan sandang, kebutuhan pangan, maupun kebutuhan papan. Agka kemiskinan di Indonesia juga terbilang cukup tinggi. Oleh karena itu, pemerintah perlu memberikan perhatian dan prioritas tinggi untuk penanganan permasalahan kemiskinan di Indonesia. Penelitian ini merupakan jenis penelitian kualitatif deskriptif dengan studi literatur. Berdasarkan penyebabnya, kemiskinan terbagi menjadi tiga, yaitu kemiskinan natural, kemiskinan struktural dan kemiskinan kultural. Harapan dengan adanya kebijakan, dapat terjadi penurunan angka kemiskinan di Indonesia.
Pengaruh Perceived Value Dan Kepuasan Pelanggan dengan Variabel Variety Seeking Sebagai Variabel Moderasi (Studi Kasus Nesya collection Kedungwuni Pekalongan) Mir’atun Sholikhah; Syifa Rohmah; Ardiyan Darutama; firdausi, M izzat
Sahmiyya: Jurnal Ekonomi dan Bisnis Vol 3, No 2 November 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam

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Abstract

Perubahan dunia bisnis yang pesat akibat kemajuan teknologi dan sistem telah menjadikan loyalitas pelanggan sebagai kunci keberhasilan pemasaran jangka panjang. Pelanggan yang puas cenderung tetap setia dan merekomendasikan produk berkualitas kepada orang lain. Penelitian ini bertujuan menganalisis pengaruh persepsi nilai dan kepuasan terhadap loyalitas pelanggan di Nesyacollection serta mengevaluasi peran variety seeking sebagai variabel moderasi. Dengan menggunakan pendekatan kuantitatif, data primer dikumpulkan melalui kuesioner yang disebarkan kepada 96 responden yang dipilih secara purposive sampling. Analisis data dilakukan menggunakan regresi berganda yang dimoderasi dengan perangkat SPSS versi 27. Hasil penelitian menunjukkan bahwa persepsi nilai dan kepuasan berpengaruh positif dan signifikan terhadap loyalitas pelanggan, namun variety seeking tidak mampu memoderasi hubungan antara persepsi nilai dan loyalitas. Sebaliknya, variety seeking memberikan dampak positif yang signifikan dengan memperkuat hubungan antara kepuasan dan loyalitas pelanggan.
TRANSFORMASI PENGELOLAAN SAMPAH RUMAH TANGGA : PENDEKATAN ZERO WASTE MENUJU PERUBAHAN PERILAKU BERBASIS LINGKUNGAN Syifa Rohmah; Jilma Dewi Ayu Ningtyas; Ulfa Kurniasih
Jurnal Padamu Negeri Vol. 2 No. 1 (2025): Januari : Jurnal Padamu Negeri (JPN)
Publisher : CV. Denasya Smart Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69714/tf45dj28

Abstract

The problem of household waste management is one of the pressing environmental issues in various countries, including Indonesia. The high volume of waste that is not properly processed contributes to environmental pollution, such as soil, water, and air pollution. Tasik Rejo Village is one of the villages that focuses on waste management, this village has a BUMDes that is active in waste management but is only piled up at the TPS. Through Community Service activities, the service team carries out activities to change waste so that it can be utilized properly. The purpose of this service is to provide education and skills to Tasik Rejo village residents about the importance of maintaining environmental sustainability and a healthy lifestyle through waste processing, one of which is into fertilizer, so that waste can have value that can be utilized. This service method uses the ABCD method where the community plays an active role in every stage. Based on the results of the service, it can be said that the community is not fully aware of the importance of sorting waste, therefore further assistance is needed, but this service activity has a positive influence on changes in healthy living behavior in the community.
Sharia Crowdfunding as a Source of Funding for Halal Creative Industries in Indonesia Ariyanti, Yulia Dewi; Dwi Novaria Misidawati; Syifa Rohmah
Sahmiyya: Jurnal Ekonomi dan Bisnis Vol 4, No 1 Mei 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam

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Abstract

The halal creative industry is growing in Indonesia, driven by the increasing demand for sharia-based products and services. One of the main challenges of this industry is the limited access to funding sources that comply with sharia principles. Islamic crowdfunding comes as an alternative solution that allows the community to contribute to the funding of halal creative industry projects collectively. This research uses the literature review method to analyze the concept, implementation, and challenges of sharia crowdfunding as a source of funding for the halal creative industry. Data is obtained from relevant journals, articles, books, and research reports. The analysis was carried out with a qualitative descriptive approach to understand the sharia crowdfunding mechanism and its impact on the halal creative industry. The results showed that Islamic crowdfunding has great potential in supporting the halal creative industry by providing access to financing based on the principles of justice, transparency, and profit sharing (mudharabah and musyarakah). However, the main challenges in its implementation include low Islamic financial literacy among the public, regulations that are still developing, and the risk of fraud and default. Supervision from sharia authorities as well as the development of stricter regulations are needed to increase the trust and effectiveness of this system. Islamic crowdfunding is an innovative solution for funding halal creative industries that can increase the inclusiveness of the Islamic economy. It is recommended that there should be wider Islamic financial education and more comprehensive regulatory support so that this financing model can develop optimally and sustainably.
Pengaruh Pelatihan, Motivasi, dan Prestasi Belajar terhadap Kesiapan Kerja Sharla Annisa Putri; Khoirul Attiq; Syifa Rohmah
Jurnal Ilmiah Manajemen dan Akuntansi Vol. 2 No. 2 (2025): Maret : Jurnal Ilmiah Manajemen dan Akuntansi
Publisher : CV. Denasya Smart Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69714/nc2fj226

Abstract

The purpose of this study was to determine the effect of on the job training, work motivation, and learning achievement on work readiness. The research method used is quantitative with statistical analysis. The research population included 12 state vocational schools in Purbalingga Regency. This study used a sample of 100 students selected through purposive sampling technique with the criteria of 12th grade students, and had attended training, the formula used in this study was the slovin formula. The data taken using an online questionnaire, data processing using IBM Statistics SPSS software version 24. The results of this study indicate that: (1) On The Job Training (X1) has a significant positive effect on work readiness (Y), (2) Work Motivation (X2) has no effect on work readiness (Y), (3) Learning Achievement (Y) has a significant positive effect on work readiness (Y). For future researchers, it is recommended to consider other factors that can affect work readiness and future researchers can expand the research sample so that the research results can be generalized.
Co-Authors Ardiyan Darutama Ariyanti, Yulia Dewi Dwi Novaria Misidawati Firdausi, M Izzat Jilma Dewi Ayu Ningtyas Khoirul Attiq Mihda Madaliyah Mir’atun Sholikhah Nurul Khikmah Pratomo Cahyo Kurniawan Rifki Dafa Surya Rizky Andrean Sharla Annisa Putri Ulfa Kurniasih