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Analisis Manajemen Pembiayaan Murobahah BMT Ryski Pebriana; Rofik Efendi
WADIAH Vol. 3 No. 1 (2019): Wadiah : Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

The development of Islamic banking and Islamic financial institutions in Indonesia lately increasing. One reason is the strong belief in the Muslim community that banking and conventional financial institutions contain usury which is prohibited by Islam. The presence of Agritama Srengat Blitar BMT as Syari'ah savings and loans is intended to be a more innovative alternative in financial services, the financing process is also not complicated. The absence of an element of usury to Murabahah financing, and the ease of the process and conditions for financing, does not make more and more bad loans. The approach used in this research is a qualitative descriptive approach, while the type of research is field research, and the method of collecting data is observation, interview and documentation, which is using three steps, data reduction, file presentation and drawing conclusions.The results of this study indicate that: 1). Financing procedures at BMT Agritama Srengat Blitar use 5C analysis (character, capacity, capital, collateral, condition) and take into account a maximum radius of 10 km, but this does not apply to existing customers and customers who get recommendations from partners. 2). The implementation of Murabahah financing management has not been in accordance with the murabaha management function which includes planning, organizing, implementing, and controlling. Where the planning of murabahah financing is devoted to agriculture and animal husbandry, but in practice it is not appropriate, then in the implementation of murabahah financing using a wakalah contract it is signed together with murabahah. And the supervision conducted by BMT Agritama is not routinely visited to the place of business.

The Impact of The 2020 Health Crisis on Exchange Rates and Stock Prices in Indonesia : (Study on PT. Jasa Marga (Persero) Tbk.) Rofik Efendi; Yuliani; Sri Anugrah Natalina
Al-Muhasib: Journal of Islamic Accounting and Finance Vol. 3 No. 2 (2023)
Publisher : Department of Islamic Accounting, The Faculty of Islamic Economics and Business, State Islamic Institute of Kediri [IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/almuhasib.v3i2.734

The infrastructure sector during the health crisis had an impact by declining by around 12% until the end of 2020. One that can cause a decrease in stock prices is the exchange rate. PT Jasa Marga (Persero) Tbk. is one of the companies that showed active stock price activity during the health crisis period. The data sample of this study is to take daily data from exchange rates and stock prices during 2020 with a sample number of 242. Empirical results show that the correlation coefficient is -0.89, hence the relationship between the exchange rate and stock price is very strong and contradictory. Ha's partial test results were accepted and Ho was rejected, i.e. the exchange rate was partially significant and affected the stock price. The R square results of 79.8 percent that the exchange rate .

How is Implementation of Green Marketing with Halal Product Certification for MSMES in Kediri City? Rofik Efendi; Sri Anugrah Natalina; Yuliani
Istithmar Vol. 7 No. 2 (2023): Istithmar : Jurnal Studi Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/istithmar.v7i2.702

Permasalahan bagi pelaku UMKM untuk bisa bertahan dengan perkembangan usahanya adalah membutuhkan penyesuaian atas penerapan ekonomi hijau. Keterbatasan sumber daya manusia dan permodalan sebagai factor yang mendominasi menghambat pelaku UMKM untuk mendukung kebijakan ekonomi hijau. Bentuk dukungan pelaku UMKM untuk ekonomi hijau adalah dengan menjaga kualitas produk dan kehalalan produk. Jaminan produk halal telah diatur dalam Undang-Undang Nomor 33 Tahun 2014, bahwa demi menjaga kenyamanan dan ketenangan konsumen dalam berkonsumsi. Standardisasi untuk produk UMKM, adalah Produk Net (net weight), P-IRT, expired, label halal dan izin sertifikasi halal. Green Marketing dijalankan pelaku UMKM, yaitu dengan kualitas produk yang mendukung sustainable atau go green, yaitu hasil produksi khususnya dalam pengemasan produk yang ramah lingkungan.

Halal Ecosystem Micro Small and Medium Enterprises Through The Integration of Value Chain and Green Strategies Rofik Efendi; Natalina, Sri Anugrah Natalina; Fani Ma’sumatul Maghfiroh; Wiwik Kusumaning Asmoro
Istithmar Vol. 8 No. 2 (2024): Istithmar : Jurnal Studi Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Syekh Wasil Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/istithmar.v8i2.1272

The halal lifestyle has become relevant for many people, not only for Muslims, but also for those who are not Muslims. The creation of the halal industrial area is a manifestation of the government’s seriousness in creating a halal-based and environmentally friendly business climate. The government facilitates the halal guarantee financing component, for example, there are subsidies and financial support for MSMEs in the halal product certification process. Infrastructure is prepared in the form of logistics and halal supply chains which are different in each sector. Infrastructure as a preparation for raw material logistics and the chain sector to support industrial strengthening, among others; food, pharmaceuticals, tourism, cosmetics and finance. Optimizing green halal products with the concept of halal supply chain in developing a halal ecosystem for MSMEs in Indonesia is by strengthening the four pillars of the halal industry. MSME actors already know the existence of the environmental cost account component as a form of implementing green accounting, but the problem is the truth or suitability and accuracy of the sacrifices made by the business unit with the characteristics of the definition of environmental costs.

Construction of Ethical Religiosity as a Marketing Strategy for Maqoo Halal Products Z Generation Muslim Consumers in Jombang Efendi, Rofik; Abitolkha, Amir Maliki; Abdulghani, Naser Ali
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 2 (2025)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v11i2.7938

Purpose:This study examines how Islamic religious streams in Jombang market halal Maqoo mineral water to Generation Z Muslims by reconstructing religiosity through the integration of ethical and economic values. The findings reveal that consumer engagement is shaped less by doctrinal obligation and more by an ethical economic synergy, offering new insights into Islamic marketing and consumerism.Design/Methodology:The study employs a qualitative method, drawing data from Maqoo halal water business actors within the Shiddiqiyah tarekat, its congregants, and randomly selected Generation Z Muslim consumers in Jombang. Chosen as the research locus for its pesantren culture and unique intertwining of spiritual authority and economic activity, Jombang provides a context to examine how ethical religiosity is constructed as younger Muslims negotiate between spiritual values and economic rationality in halal consumption.Findings:The research findings show that Maqoo's halal product marketing strategy integrates strong ethical religiosity values, aligned with the spiritual aspirations of Z Generation Muslim consumers. Ethical construction through educational, symbolic, and social approaches that emphasize aspects of blessing, social responsibility, and personal piety. Practical Implications:The implications of this study illustrate that Generation Z consumers are influenced not only by the halal quality and functional excellence of products, but also by social contributions and the reputation of the corporate brand.Originality/Value:This research highlights that the construction of religiosity in marketing is not merely an additional element but becomes the core of the product narrative, shaping consumers’ emotional and spiritual loyalty. The findings imply that the effectiveness of halal product marketing strategies for Muslim Generation Z depends on a brand’s ability to integrate ethical values, social responsibility, and authenticity in communication.

How is Implementation of Green Marketing with Halal Product Certification for MSMES in Kediri City? Rofik Efendi; Sri Anugrah Natalina; Yuliani
Istithmar Vol. 7 No. 2 (2023): Istithmar : Jurnal Studi Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Syekh Wasil Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/istithmar.v7i2.702

Permasalahan bagi pelaku UMKM untuk bisa bertahan dengan perkembangan usahanya adalah membutuhkan penyesuaian atas penerapan ekonomi hijau. Keterbatasan sumber daya manusia dan permodalan sebagai factor yang mendominasi menghambat pelaku UMKM untuk mendukung kebijakan ekonomi hijau. Bentuk dukungan pelaku UMKM untuk ekonomi hijau adalah dengan menjaga kualitas produk dan kehalalan produk. Jaminan produk halal telah diatur dalam Undang-Undang Nomor 33 Tahun 2014, bahwa demi menjaga kenyamanan dan ketenangan konsumen dalam berkonsumsi. Standardisasi untuk produk UMKM, adalah Produk Net (net weight), P-IRT, expired, label halal dan izin sertifikasi halal. Green Marketing dijalankan pelaku UMKM, yaitu dengan kualitas produk yang mendukung sustainable atau go green, yaitu hasil produksi khususnya dalam pengemasan produk yang ramah lingkungan.

Sosialisasi Produk Bank Syariah Dalam Upaya Meningkatkan Literasi Masyarakat Akan Lembaga Keuangan Syariah di CFD Jalan Dhoho Kota Kediri Caspirosi, Loris Caspirosi; Efendi, Rofik; Khasan, Nur; Anwar, Ahmad Saiful
Welfare : Jurnal Pengabdian Masyarakat Vol. 1 No. 3 (2023): Welfare : September 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam, IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/welfare.v1i3.463

The Dhoho Car-Free Day event is a gathering place for people in the city of Kediri. This opportunity is used by Bank Jatim Syariah Kediri Branch in providing knowledge to the general public. With people who understand more about Islamic banks, the potential for Bank Jatim Syariah in developing and advancing the people's economy will also be great. The purpose of this socialization is to increase public knowledge, especially among Dhoho CFD visitors, regarding Islamic banks. Using socialization methods by holding exhibition stands and games The result of this socialization is that visitors who take part in it understand the outline and mechanisms of Islamic banking.

Penyuluhan Tabungan Simpel Untuk Membangun Kesadaran Menabung Sejak Dini Pada Siswa-Siswi SDI Al-Huda Kota Kediri Shella Dwiyanti; Ladia Ayu Sekar Sari; Yusnita Agustin; Efendi, Rofik
Welfare : Jurnal Pengabdian Masyarakat Vol. 1 No. 2 (2023): Welfare : June 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam, IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/welfare.v1i2.464

The Kediri State Islamic Institute community service conducted one of the counseling activities on "Building Awareness of Saving Early on in Al-Huda SDI Students," bearing in mind the low culture of saving among students, especially saving in a bank. This activity aims to provide knowledge and understanding of how to save using SIMPEL savings, plus tips for successfully saving pocket money given by parents. Apart from that, to introduce products in Bank Jatim Syariah The activity method uses stages, namely: visits to elementary schools to convey counseling programs; gathering information about problems that exist in elementary schools; compiling problems that occur in the school environment; preparing materials, methods, and tools to be used; implementing counseling regarding saving; and making an activity report. While the delivery of counseling materials uses lectures, questions and answers, and quizzes, The results of the activities achieved were that the children were enthusiastic about participating in the activities and gave positive responses, starting to understand the benefits of saving and also how to save using SIMPEL savings.

Pendampingan Mengintegrasikan ShopeePay sebagai Metode Pembayaran Untuk Meningkatkan Efisiensi Transaksi Pada Starra Kitchen Zahro’, Afi Faridatas; Rahmawati, Afifah Suci; Wulandari, Afrilia; Akbar, Ahmad Riszki; Al-Akhsan, Ahmad Ghaffar; Mahfudhotin, Mahfudhotin; Fikriyah, Ashfa; Efendi, Rofik
Welfare : Jurnal Pengabdian Masyarakat Vol. 2 No. 2 (2024): Welfare : June 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam, IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/welfare.v2i2.712

The use of digital payment methods has become a necessity for MSMEs in increasing operational efficiency and competitiveness, including Starra Kitchen, which is trying to follow this trend. This community service activity aims to assist Starra Kitchen in integrating ShopeePay as a digital payment method. The implementation of the activity involves a service learning approach involving a team of lecturers and students. The stages include identifying needs, training, technical implementation, and evaluation. The training includes account creation, ShopeePay application integration, and simulation of its use. This activity is carried out in a participatory manner through discussions and direct assistance. The results of the activity show that Starra Kitchen has succeeded in integrating ShopeePay as a payment method, which is expected to increase transaction efficiency, reduce recording errors, and expand customer access. The success of this activity is the first step in Starra Kitchen's digital transformation, as well as encouraging MSMEs to utilize financial technology to improve the sustainability and competitiveness of their businesses.

Strategi Pengenalan Mata Uang melalui Fun Learning dalam Meningkatkan Minat Belajar pada Anak-anak Usia Dini Mada, Qonita Al; Efendi, Rofik; Yuliani, Yuliani; Natalina, Sri Anugrah
Welfare : Jurnal Pengabdian Masyarakat Vol. 1 No. 4 (2023): Welfare : Desember 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam, IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/welfare.v1i4.723

This service aims to increase young children's interest in learning about currency through the Fun Learning English approach. English Class is implemented with an interesting learning model, utilizing games and singing media to create a fun learning experience. The service method used is service learning, which involves direct interaction with children and the application of English knowledge in everyday contexts. The results of this service include increasing children's interest in learning, their understanding of currency, and the development of English language skills. With an innovative approach and involving fun learning elements, it is hoped that children can more easily understand the concept of currency through a fun and interactive learning experience.

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