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All Journal Ta´dib Conciencia Tadrib: Jurnal Pendidikan Agama Islam Jurnal Obsesi: Jurnal Pendidikan Anak Usia Dini AL-TANZIM : JURNAL MANAJEMEN PENDIDIKAN ISLAM Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Dirosah Islamiyah As-Syar'i : Jurnal Bimbingan & Konseling Keluarga RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL El-Mujtama: Jurnal Pengabdian Masyarakat Da'watuna: Journal of Communication and Islamic Broadcasting EduInovasi: Journal of Basic Educational Studies Tarbiatuna: Journal of Islamic Education Studies Journal of Management and Business MES Management Journal Sci-Tech Journal Edukasia: Jurnal Pendidikan dan Pembelajaran Jurnal Pendidikan Islam Managere: Indonesian Journal of Educational Management Journal of Educational Management Research International Conference on Islamic Economic Al-Abshar: Journal of Islamic Education Management RESLAJ: Religion Education Social Laa Roiba Journal EduInovasi: Journal of Basic Educational Studies Jurnal Penelitian Pendidikan Indonesia Jurnal Medika: Medika PANDALUNGAN : Jurnal Pengabdian kepada Masyarakat ManBiz: Journal of Management and Business Proceeding Of International Conference On Education, Society And Humanity Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Eduprof International Conference on Islamic Studies At-Tadris: Journal of Islamic Education

Efrita Norman

Universitas Bunga Bangsa

Author-ID : 6794887

Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Mechanical Engineering Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Kebijakan Keuangan Inklusif Dalam Perspektif Ekonomi Syariah Efrita Norman
Reslaj : Religion Education Social Laa Roiba Journal Vol 2 No 1 (2020): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

This study aims to explore inclusive financial policies in the perspective of Islamic economics. The method used is a qualitative method with a literacy study and mass media analysis approach. Hasilnuya, Indonesia (BI) as the monetary authority believes the NSFI program as the main way to improve financial literacy in order to increase the ability of individuals to manage their finances. The banking sector as the majority of financial services activities in Indonesia is a front liner for the program. The strategies used in achieving financial inclusion goals include five pillars, namely financial education, increasing financial eligibility, supporting regulations, increasing intermediation facilitation, and policy reforms covering customer protection, banking agents, and phone banking. Going forward, the financial industry needs to map the potential of the community and business sector as targets of the financial inclusion program. For this reason, a comprehensive partisanship and strategy from the financial industry is needed to expand access to services for the community, especially in preparing products that can meet the savings and investment needs of the community. Keywords: Bank Indonesia, Islamic economics, financial inclusion, monetary authority.

Pengaruh Pengetahuan Kewirausahaan, Program Studi dan Gender terhadap Minat Beriwirausaha Mahasiswa Robiatul Adawiyah; Efrita Norman; Dedi Junaedi
Reslaj : Religion Education Social Laa Roiba Journal Vol 2 No 2 (2020): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

ABSTRACT Unemployment and a weak entrepreneurial spirit are serious problems in Indonesia. This study aims to determine the effect of entrepreneurial knowledge, study program, semester level and gender on interest in entrepreneurship among FEBI INAIS students. The method used is a quantitative study with multiple regression analysis of dummy variables. The research sample was 133 FEBI INAIS students. The results showed: there was a positive and significant influence on entrepreneurial knowledge, a positive and significant influence on entrepreneurial knowledge, study programs, semester level, and gender on interest in entrepreneurship in FEBI INAIS students. Keywords: entrepreneurship, gender, department, interest, knowledge,

Prinsip Kompensasi Dalam Prespektif Islam Efrita Norman; Rio Kartika Supriyatna; Dedi Junaedi
Reslaj : Religion Education Social Laa Roiba Journal Vol 3 No 1 (2021): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Compensation is important for employees and the sustainability of a company, no wonder this is a conversation every year where we know that March 1 is celebrated as national labor day, on that date employees or workers demand an increase in compensation / wages so that this becomes the problem for employees and companies where employees want high wages while companies want low payments to their employees, this phenomenon does not only occur at the regional level but at the national and even international levels, so the author tries to present a solution for companies in paying wages to their employees using the principle Islamic principles. This research is a qualitative research using the literature study method, and from the Koran & Sunnah where researchers study the Koran, Sunnah and literature published by journals and magazines in this field. The results of compensation management research in an Islamic perspective are that there are several principles that must be considered and possessed by every company owner including being honest, trustworthy, able to work together, can provide fair compensation, have a sense of brotherhood and fulfill the agreed contract. In addition, there are also principles that must be possessed by every employee, including the principles of discipline, dedication and sincerity so that if this is owned by the company and every employee, satisfaction between the two will be achieved.

Manajemen Dana Pensiun Syariah Efrita Norman; Enah Pahlawati
Reslaj : Religion Education Social Laa Roiba Journal Vol 3 No 2 (2021): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Pension Fund is a legal entity that is independent and separate from the employer, whose function is to manage and run a pension program in accordance with applicable regulations. In this regard, Pension Funds require a separate reporting system from the employer which aims to provide information about Pension Fund finances. The purpose of this research is to find out what are the differences between conventional pension funds and syari'ah pension funds and how to manage pension funds according to syari'ah. The analytical method used by the author is to use a qualitative approach, methodological qualitative research is an approach using deductive thinking in which a series of variables and research results are evidenced by cause and effect thinking, the type of research is literature study where the author in this study collects data with reading journals and books so that you will get accurate data and do in-depth analysis to find and get in-depth information about how to manage pension funds based on the principles of sharia which we now know as Sharia pension funds, the results are the basis of differentiation in pension funds conventional syari'ah is that shari'ah pension funds have several advantages including: having a contract in each transaction, having a shari'ah supervisory board and also when participants are late paying pension contributions they will be subject to permanent penalties. i the proceeds from the punishment funds will be allocated for social activities, so that there is an element of helping (atta'aun) fellow human beings.

Characteristics of Quality Research Efrita Norman; Enah Pahlawati; Abdul Husenudin
Reslaj : Religion Education Social Laa Roiba Journal Vol 4 No 1 (2022): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Research is not a strange thing anymore for students who are taking the final semester, where one of the requirements for them to graduate is to complete a final project in the form of a research, as well as lecturers in the tridharma of higher education besides teaching is research, so this research has become a habit. However, many of the research results are not qualified, they only fulfill an obligation, so the purpose of this research is how to make quality research so that it is useful for many people. The method used in this study is a qualitative method using a literature study approach where the authors collect data, study, and analyze the literature published by books, journals, and magazine articles so as to obtain accurate and in-depth data about the characteristics of quality research. The results of this research are the characteristics of quality research, first of all, the problem must be clear and it really becomes a problem and needs an immediate solution or solution and Focus so that in collecting data it is true that the data can later be used in solving the problems that we examine, with The formulation of the problem and research objectives are correct and clear, so that the researcher will be more focused, efficient and effective. Second, the research objectives are related to things that are expected to be achieved through conducting research or presenting the results to be achieved after the research is completed. by kar Therefore, the formulation of research objectives must be consistent with the formulation of the problem and must reflect the research process. Third, it must be careful, so that later the research is truly valid according to the data and facts in the field. Fourth, the report is complete and systematic. In making the report, it must be complete with supporting data, namely: both primary data and secondary data, supporting theories must be clearly stated, and reports must be systematically arranged from the beginning to the end of the fifth must be precise in analyzing the data and the tools used must be in accordance with the data we will analyze the six conclusions and Suggestions must come from sources, namely the data we find in the field, not from personal opinions. The seven researchers must have integrity, namely a combination of all points one to six so as to produce quality research. Keyword :

Baznas Bogor City Strategy in Empowering the Dhuafa Through the Bogor Berkah Program Efrita Norman; Zulficar Ismail; Abdul Husenudin; Enah Pahlawati; Rio Kartika Supriyatna
Reslaj : Religion Education Social Laa Roiba Journal Vol 4 No 3 (2022): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Zakat is one of the pillars in the Islamic economy which is a pillar of the Islamic religion, the importance of zakat in the economy is why in the Qur'an zakat is always juxtaposed with prayer, there are even 29 words zakat which are always juxtaposed with prayer, because zakat is meritorious in Community economic empowerment must be managed properly by amil zakat, in this context is BAZNAS Bogor City. The purpose of zakat itself is not only to help asnaf but also to make mustahiq become muzakki, therefore the distribution of zakat funds must be right on target so that this goal is achieved. This study aims to determine the determination of recipients of zakat funds distributed by BAZNAS Bogor City through one of its programs, namely Bogor Berkah, whether with this program the zakat asnaf group is helped and this study takes the object of ta'lim majlis. The approach used in this research is descriptive qualitative with SWOT analysis approach, IFAS (Internal Strategic Factor Analysis Summary) and EFAS (External Strategic Factor Analysis Summary). The results of this study indicate that in determining the receipt of zakat funds distributed by BAZNAS Bogor City through the Bogor Berkah program is the majlis ta'lim criteria which have small or medium business groups. and with this program there are not a few ta'lim majlis that empower their congregations of ta'lim majlis. Keywords: zakat, bogor blessing program, empowerment of dhu'afa

Bisnis Online di Era Revolusi Industri 4.0 (Tinjauan Fiqih Muamalah) Efrita Norman; Idha Aisyah
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 1 No 1 (2019): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Online buying and selling has become a preferred shopping alternative to the current 4.0 industrial revolution. However, the existence of online buying and selling is faced with various problems such as goods mismatches, defects in goods, and fraud, making enthusiasts enthusiastic to give an idea about sharia online buying and selling according to Islamic law based on a study of the views of online business people in the Bogor Pamijahan District community. Online buying and selling transactions can be via ATM or COD (Cash On Delivery). The most important thing in buying and selling online is the seller's credibility, quality, price of goods and transaction security. Sharia online buying and selling must also be taken into account so that the seller and buyer of the same fellow Muslims are not harmed and they are happy with each other nor it does violate the fiqh law muamalah in Islam. Islamic Law of Jurisprudence packs online buying and selling in sharia that is fulfilling harmony and terms of sale and purchase, agreement, ethics and principle of buying and selling. The specifications of the goods being traded must be clear and honestly described even if there is a defect in the goods to avoid garar. If the specifications of the item desired by the buyer are not even suitable, the online seller can confirm to the buyer to choose another specification or even cancel the transaction by transferring the payment to avoid fraud and increase customer satisfaction.

Perbandingan Keberlanjutan Bisnis Retail Minimarket Modern dan Retail Tradisional Warung di Jawa Barat Efrita Norman; Yudi Permana; Riris Aishah Prasetyowati
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 1 No 2 (2019): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

The Continuity of traditional and modern retail retail business attracts the most attention, because it always puts the traditional retail business in a weak position. The result of this research is that the attention to the successful aspects of the service industry has not been a concern for the traditional retail business, thus weakening the position of traditional Retail business, coupled with the strong characteristic of the standardized service quality dimension as the business reference of modern minimarket services increasingly sharpening the performance gap retail business and thus further weaken the position of traditional retail business. Comparative analysis of Retail Business Traditional Stores and Retail Business Modern minimarket shows the successful aspects of the service business to be considered namely; consumers, management, and employees. This research includes descriptive research type using traditional approach. The analysis method used is a variant of semantic differential approach, with descriptive statistic analysis, correlation analysis, regression analysis to obtain determinant of the purpose of this research.

Syari'ah Card (Kartu Kredit Syariah) Ditinjau dari Maqashid Syari'ah dan Asas Manfaat Efrita Norman
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 2 No 2 (2020): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Sharia card is a sharia banking product that is new, so in practice it needs to get special attention to fit the sharia concept. Sharia card issuance is very beneficial for humans, which makes it easier for humans to make payments, and provides security to humans because they do not need to carry a lot of money. Supposedly, the benefits obtained are not just worldly benefits, but there must be benefits that are going to the afterlife. Islamic banking in this era is booming. Also its products, such as Islamic card products (Islamic credit cards). This paper discusses the system and concept of sharia cards with the Al Maqashid Syariah Perspective. We found that the concept of sharia cards is acceptable with the concept of fiqh, but there are many qualifications. One of the qualifications is the priority of consumers, meaning consumers will not be impressive.

Dampak Pandemi Covid-19 terhadap Stabilitas Moneter Indonesia Dedi Junaedi; Muhammad Rizal Arsyad; Efrita Norman; Moh Romli; Faisal Salistia
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 3 No 1 (2021): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

This study aims: (1) to analyze the effects of the pandemic and the differences in policies in handling the Covid-19 pandemic on Indonesia's monetary stability; (2) to analyze the effect of money supply, BI-rate, market operations, stock index on Indonesia's monetary stability. This study uses quantitative analysis methods with multiple dummy variable regression. As a result, the number of pandemic cases and differences in policies had a significant effect on the stability of the rupiah. Simultaneously, the stability of the rupiah exchange rate is influenced by pandemic variables (cases, deaths, recovery and pandemic management policies, money supply (M1, M2), market operations (conventional and sharia), reference interest rates (BI-rate), inflation rate. foreign exchange reserves, financial stock index. These independent variables are correlated with the rupiah exchange rate with a correlation coefficient of R2 0.927073. The pandemic management policy, whatever its name, tends to weaken the rupiah exchange rate position. the exchange rate of the rupiah, meanwhile the formation of a task force had a lighter impact on pressing the rupiah compared to other policies.

Co-Authors AA Sudharmawan, AA Ab Manan Mansor Abd Muiz Firmansyah Abd Wahib Abdul Husenudin Abdul Karim Abdul Wahid Zaini Abu Hasan Agus Agus Setiawan Ahmad Masruri Aizat, Faiz Arie Pratama, Fidya Arman Paramahsyah Arman Paramansyah Arman Paramansyah Arman Paramansyah Arman Paramansyah Arman Paramansyah Arsyad, M. Rizal Arsyad, Muhammad Rizal Baharun, Hasan Budi Jaya Putra Carnawi, Carnawi Casyudi Firdaus Dede Nursyamsy Dedi Junaedi Dedi Junaedi Dedi Junaedi Dedi Junaedi Dedi Junaedi, Dedi Dessy Damayanthy Desy Laelasari Dewi, Maftuhah Dinn Wahyudin, Dinn Dz, Abdus Salam Dzulfikar Dzulfikar Dzulfikar Enah Pahlawati Enah Pahlawati Enah Pahlawati Enah Pahlawati Enah Pahlawati Enah Pahlawati Erik Tauvani Somae Ermi Suryani Evinovita Evinovita Fachru Abdul Rahman Faisal Salistia Faisal Salistia Faisal Salistia Faiz Aizat Faiz Aizat Feviasari , Heni Feviasari, Heni Hadi, Sholikul Hamdan Hamdani, Lukman Heni Feviasari Heni Feviasari Hermaliana, Mia Heru Cahyono Hesty Hartiman Idha Aisyah Ika Kartika Imam Tholkhah Iman Santoso Iskandar, Nur Muhamad Ismail Mustaqim Juliana Wahid Komarudin Kusminarsih, Yusnia Lina Marliani Lintang Mulyadi Lutfiatul Iltiqoiyah M Syarwani Abdan M. Shalahuddin M. Shalahudin Marliani , Lina Marliani, Lina MARWANI Masyhudzulhak Djamil Mintarsih Danumihardja Moh Romli Moh Romli Mohammad Alfian Musthofa Muhammad Fatih Muhammad Rizal Arsyad Muhammad Rizal Arsyad Muhammad Rizal Arsyad Mutaqim, Imail Nadiah Nadiah Nadiah Nanang Fauzi Natsir, Nanat Fatah Nur Hamid Nuryani, Mely Pahlawati, Enah Paramansyah, Arman Qowaid Qowaid Qowaid Qowaid Qowaid Qowaid Qowaid Qowaid Rahmatul Husni Rahmawati, Firda Dwi Ramadhanti, Desy Kurnia Rasini, Intan Nur Relly Sugianto Rio Kartika Supriyatna Rio Kartika Supriyatna Ririn Iswandari Riris Aishah Prasetyowati Rizki Firmansyah Rizki Firmansyah Rizki Firmansyah Robiatul Adawiyah ROMLI, MOH Ropitasari, Anna Rosyad, Ramlan Saepudin Saepudin Salistia, Faisal Samian, Supendi Samsul Basri Sarta Sarta Sarta Sarta Sarta Satika, Dewi Siregar, Muhammad Lanri Siti Aminah Siti Aminah Siti Chaerul Barijah Siti Norwahida Shukeri Siti Rochmah Siti Syuaibah Soid Sukarnoto, Toto Sulaiman Sulaiman Sunarsih Sunarsih Supriyatna, Rio Kartika Tuti Alawiyah Uswatun Hasanah Uum umamah Vikaliana, Resista Widaya Utami Widiantari, Dian Wiwi Uswatiyah Wiwi Uswatiyah Yanti Hasbian Yati Nurhidayati Yudi Permana Yudi Permana Zaldi, Ahmad Zul Hiskandar Zulficar Ismail Arman Paramansyah

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