Claim Missing Document
Check
Articles

Found 40 Documents
Search

THE INFLUENCE OF INTERNAL AND EXTERNAL FACTORS ON THE PROFITABILITY OF ISLAMIC COMMERCIAL BANKS IN INDONESIA Sopingi, Imam; Tjiptohadi Sawarjuwono; Imron Mawardi; Kusnul Ciptanila Yuni K.
Jurnal RAK (Riset Akuntansi Keuangan) Vol. 8 No. 2 (2023): October 2023
Publisher : Universitas Tidar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31002/rak.v8i2.1136

Abstract

This study aims to investigate the influence of internal and external factors on the Islamic Commercial Banks' Profitability in Indonesia. The internal factors consist of Capital Adequacy Ratio (CAR), Financing to-Deposits (FDR), Non-Performing Loan (NPF), Cost Inefficiency (BOPO), and Net Operating Profit Margin (NPM) meanwhile the external factors consist of Third-Party Deposits (DPK) and Interest rate. Profitability is one of the important factors in the success and continuity of a company's operations. The method used is regression analysis using monthly data from June 2018 to June 2023. The data used include CAR, FDR, NPF, BOPO, NOM, DPK, and ROA from the Financial Services Authority (OJK) meanwhile the interest rate through the Central Bureau of Statistics (BPS) website. The results showed that CAR, FDR, and Interest Rate did not affect profitability. NPF and NOM have a positive effect on profitability meanwhile BOPO and DPK have a negative effect on profitability.
Employment of Funds of Excellence against Community Enrichment Activities for the Suppression of Stunters Alifiya Nisaul Latifah; Yuni , Kusnul Ciptanila
Terbuka Journal of Economics and Business Vol. 5 No. 1 (2024)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarkat-Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

President's Decree No. 72 of 2021 on the Acceleration of Stunting Decline states that in order to create healthy, intelligent and productive human resources, with the achievement of sustainable development goals, accelerated stunting decrease action is carried out. The government is providing welfare funds in each welfare area to be managed by the government of the village and used for the purpose of the welfare of the community. Stunting rebellion is on the budget of the welfare fund on the community empowerment program. The purpose of the author making the scientific work is to analyze the richness funds that are focused on stunting deterrence. Research uses qualitative methods with discourse analysis techniques and interview techniques. The sample of the research was a warrior's wreck, a social and empowerment sex head, a wealthy treasurer, an asshole of wealth and a team leader for accelerating stunting reduction in wealth. The results of the research show that the wealth of the Kulon soldiers has a budget and has already realised 76% of the budget to support the government's efforts in stopping stunts. The conclusion and suggestion for the soldier's well-being is to maximize the realization of the budget for the next year with the aim of reducing the number of stunting news significantly.
SOCIAL CAPITAL OF TRADITIONAL MARKET TRADERS BEHIND MODERN RETAIL EXPANSION AND ITS RELEVANCE TO ISLAMIC CULTURE Efendi, Mohamad Nur; Yuni K, Kusnul Ciptanila; Prasetiyo, Luhur; Adinugroho, Mukhtar
An-Nisbah: Jurnal Ekonomi Syariah Vol 10 No 1 (2023): An Nisbah
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v10i1.7486

Abstract

Abstrak: Penelitian ini bertujuan untuk menganalisis bentuk modal sosial dan peranan modal sosial pada pedagang di Pasar tradisional. Penelitian ini dikaji berdasarkan teori Modal Sosial oleh Robert David Putnam dengan menggunakan metode kualitatif deskriptif. Hasil temuan menunjukkan bahwa modal sosial telah dimiliki oleh para pedagang di Pasar tradisional terbentuk pada level mikro dan meso. Pada level mikro, modal sosial bonding nampak pada hubungan pedagang yang saling berinteraksi dengan sesama pedagang dan pelanggan. Pada level meso, modal sosial bridging nampak secara horizontal para pedagang yang memiliki hubungan interaksi dengan pedagang di pasar lainnya atau distibutor, sedangkan secara vertikal hubungan interaksi pedagang terjadi dengan pengelola pasar atau pemerintah. Peran modal sosial sangat penting. Adanya nilai dan norma menumbuhkan trust sehingga terbentuklah sikap rasa percaya, sikap saling menghargai, saling membantu, serta saling memberi dukungan meski keadaan fisik dan ekonomi sedang melemah. Modal sosial memberikan dampak terkait kuatnya kebersamaan dan sikap saling tolong menolong pada komunitas pedagang di pasar tradisional yang relevan dengan kultur budaya islami. Hubungan interaksi yang menyatu dengan nilai budaya serta adanya sikap saling percaya yang tercermin pada pemberian hutang, menjadi salah satu faktor yang memperkuat eksitensi pasar tradisional di tengah gempuran ritel modern. Hal tersebut menjadi fenomena khas dari pasar tradisional yang tidak dimiliki oleh ritel modern. Kata kunci: modal sosial, pasar tradisional, ritel modern, budaya islam Abstract: This study was studied using descriptive qualitative methods based on the Social Capital theory by Robert David Putnam. The findings indicate that the social capital already owned by traders in traditional markets is formed at the micro and mezzo levels. At the micro level, bonding social capital appears in the relationship of traders who interact with fellow traders and customers. At the meso level, bridging social capital appears horizontally by traders who have interaction relationships with traders in other markets or distributors. In contrast, vertically, traders interact with market managers or the government. The role of social capital is vital. The existence of values and norms fosters trust so that an attitude of trust, mutual respect, mutual assistance, and mutual support is formed even though physical and economic conditions are weakening. Social capital impacts the strength of togetherness and mutual aid in the trading community in traditional markets relevant to Islamic culture. The interaction relationship that is integrated with cultural values as well as the attitude of mutual trust which is reflected in the provision of debt, is one of the factors that strengthen the existence of the traditional market in the onslaught of modern retail. This is a typical phenomenon of traditional markets not owned by modern retailers. Keywords: social capital, traditional market, modern market, Islamic culture
DETERMINAN PRODUKSI TEMBAKAU PADA LAHAN TEGAL DAN LAHAN GUNUNG DALAM PRESPEKTIF EKONOMI ISLAM (Studi Kasus Di Kecamatan Batumarmar Kabupaten Pamekasan) Nurul Hidayat; Hertin Khalifatun Nisa Arifah; Kusnul Ciptanila Yuni K; Athi’ Hidayati
JURNAL ILMIAH EDUNOMIKA Vol 7, No 2 (2023): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v7i2.8576

Abstract

This study aims to determine the determinants of tobacco production on upland and mountain lands in the perspective of Islamic economics in Batumarmar District, Pamekasan Regency. In the partial tegal tobacco production regression model, the variable number of seeds has a significant effect on tobacco production. While the variables of land area, amount of fertilizers, pesticides, and labor do not have a significant effect on tobacco production. Then, the results of research on the regression model of tobacco production in mountain areas show that partially the variables of land area, number of seeds, and labor have a significant effect on tobacco production. While the variable amount of fertilizers and pesticides has no significant effect on tobacco production. However, when viewed simultaneously the variables of land area, number of seeds, amount of fertilizers, pesticides, and labor have a significant effect on tobacco production both on upland and mountain lands. Production in the perspective of Islamic economics is producing goods and services that are lawful, do not destroy nature, improve spiritual, mental and physical qualities in a fair way.
Guarantee’s Right In Marriage By Perspective Of Women’s Study: A Gender Perspective Abdilah, Nadhruna'im; Yuni, Kusnul Ciptanila
Al-Syakhsiyyah: Journal of Law and Family Studies Vol. 6 No. 1 (2024)
Publisher : Faculty of Shariah UIN Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/syakhsiyyah.v6i1.6640

Abstract

Departing from the shift in the meaning of ijbar which is identified with ikrah by most Indonesian people, especially in the gender perspective, the center for women's studies UIN Sunan Kalijaga, encourages researchers to conduct a study on the development of the implementation of ijbar rights in Indonesia today as well as legal regulations regarding the implementation of ijbar rights in marriage which are still a tradition in Indonesia and legal protection for women's human rights that have been degraded as a result of forced marriage as a consequence of the application of ijbar in a marriage. The type of research used is field research with a legal-formal approach. The results showed that the absolute right of ijbar thereafter should no longer be exercised in Indonesia after the birth of the Marriage Law and the Compilation of Islamic Law. From a number of chapters it is clear that the permission of the bride and groom, or prospective husband and wife, is an important component of the marriage itself. The concept of ijbar has a legal basis in fiqh, fiqh experts have different opinions about forced marriage (ijbar). Center for Women's Studies UIN Sunan Kalijaga provides two types of legal protection for women whose human rights are violated because of marriage with ijbar rights from the point of view of Islamic law. First, every woman has the same right to choose her partner. Second, a woman may ask her guardian's permission to marry her without his knowledge or consent.
BAHTSUL MASAIL’S CRITICAL REVIEW OF FAKE ORDER ONLINE ON THE DIGITAL SHOPEE LIVE PLATFORM Yuni K, Kusnul Ciptanila; Musfiroh, Anita; Dardiri, Masyhudan; Nur Efendi, Mohamad; Santoso, Lukman
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 8 No 2 (2024): Desember
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v8i2.23937

Abstract

Selling online through various digital platforms is an alternative business. Many successful people have made huge profits from it. However, fraud, deception, the spread of fake accounts, and counterfeit transactions often occur and harm many people. This research explores the practice of buying and selling with bogus and counterfeit accounts on digital platforms. This research is qualitative research with a case study approach. Bahtsul Masail is the highest forum that discusses actual community problems for which no evidence or legal solution has been found. The answer to this problem was sought and taken from Politikul Mu'tabaroh. This research resulted in the finding that the law of asking buyers for postage in the above cases is not permitted because (1) the postage is not used correctly, instead as an additional income; (2) if the buyer knows this reality, it is inevitable that he will not be willing to pay the postage to the seller. It is not permitted because it is fraud. This study provides clarity on deviant buying and selling practices on digital platforms.
The Influence of Financial Knowledge and Islamic Behavior on Students' Interest in Sharia Investment Yuni K, Kusnul Ciptanila; Wahyudi, M. Adi Trisna; Musfiroh, Anita; Ali, Mohammad Haidar; Hidayat, Nurul; Dardiri, Masyhudan
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i2.21717

Abstract

This research explores the impact of financial knowledge and Islamic Behavior on students' investment interests in Islamic capital markets. The quantitative research method uses a questionnaire distributed online to students of the class of 2019-2023 at Hashim Ashari University's Faculty of Economics, with up to 80 participants participating. The study revealed that students' investment interest in the Islamic capital market is not significantly influenced by their financial knowledge but rather by the impact of their Islamic Behavior. This was demonstrated through an analysis. At the same time, financial expertise and Islamic Behavior influence students' interest in investing in Islamic capital markets. This finding is essential for understanding what drives business students' interest in investing in Islamic capital markets and how this affects the development of financial education programs and academic Behavior toward Islamic finance. The results of this study are intended to help develop more effective educational and promotional strategies to increase students' interest in investing in Islamic capital markets.
Implementasi Google Family Link Sebagai Cara Untuk Mengurangi Kecanduan HP Anak Usia Dini Di Kabupaten Jombang Jawa Timur Wati, Dian Anisa Rokhmah; Pramitasari, Retno Eka; Basuki, Basuki; K, Kusnul Ciptanila Yuni; Izzati, Nailul; Khiyana, A’izzatul; Hadi, Fajar Satriya
Jurnal Pengabdian Masyarakat Bangsa Vol. 2 No. 8 (2024): Oktober
Publisher : Amirul Bangun Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59837/jpmba.v2i8.1466

Abstract

Zaman Modern identik dengan zaman IT dimana hampir semua kalangan bisa mengakses informasi dengan sangat mudah melalui media elektronik terutama Hp. Penggunaan Hp yang tidak terkontrol pada anak dapat menyebabkan kecanduan yang berakibat pada gangguan kesehatan dan jiwa. Sedangkan kebanyakan orang tua zaman ini adalah working parents. Tujuan kegiatan pengabdian kepada masysrakat ini adalah untuk mengajarkan penggunaan aplikasi google family link yang dapat membantu orang tua mengontrol penggunaan Hp anak. Metode yang digunakan adalah survey awal dan sosialisasi pada anggota yayasan cahaya bhakti negeri di kabupaten Jombang Jawa Timur. Hasil dari sosialisasi ini adalah pengetahuan anggota yayasan tentang google family link yang di implementasikan pada keluarga dirumah. Dari hasil sosialisasi ini dapat disimpulkan bahwa implimentasi google family link dapat mengurangi kecanduan Hp pada anak dengan memberikan batasan waktu penggunaan Hp harian
Penjualan Nasi Goreng di Lingkungan Pondok Pesantren: Strategi, Inovasi dan Tantangannya Alvi Dzikri Mubarrok; Imam Sopingi; Kusnul Ciptanila Yuni K.
ark:/00000/jeb.v17i1
Publisher : Sekolah Tinggi Ilmu Ekonomi Port Numbay Jayapura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55049/jeb.v17i1.402

Abstract

Penelitian ini bertujuan untuk menganalisis strategi, inovasi, dan tantangan penjualan nasi goreng di lingkungan pondok pesantren. Dengan pendekatan kualitatif, data diperoleh melalui wawancara, observasi, dan dokumentasi. Hasil penelitian menunjukkan strategi penjualan berbasis hubungan personal, lokasi strategis, harga terjangkau, dan porsi yang sesuai kebutuhan santri. Inovasi meliputi variasi menu, kemasan higienis, dan layanan pengantaran, meskipun terkendala modal dan sumber daya. Tantangan mencakup fluktuasi harga bahan baku, keterbatasan modal, serta aturan pesantren yang memengaruhi operasional. Dukungan dari pengelola pesantren dan komunitas diperlukan untuk keberlanjutan usaha. Studi ini memberikan kontribusi terhadap pengembangan bisnis kuliner berbasis budaya pesantren serta menjadi referensi bagi pelaku usaha lainnya.
Grand Design of Village-Based Islamic Economic Development Planning in an Effort to Achieve Sustainable Development of Indonesia Gold 2045 in Ngancar village, Plaosan district, Magetan Regency Kusnul Ciptanila Yuni K; Mohamad Nur Efendi; Athi’ Hidayati
Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 1 (2023): Proceedings of Femfest International Conference on Economics, Management, and Busines
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Welcoming the rise of Indonesia's golden generation in 2045, it is necessary to develop a populist economy in a future perspective, namely creating a quality, advanced, independent and modern Indonesian society, as well as increasing the nation's dignity. The success of the village through Ngancar village, Plaosan District, Magetan Regency in developing the economy will make a major contribution to achieving overall national development goals. This research is a field research with a qualitative approach. Sources of data in this study using secondary data derived from books and relevant research results. The findings of this study basically want to explore the practices of Ngancar village in the areas of food security, local economy, utilization of renewable energy, education, sanitation/health, use of information technology, and democratic involvement. The purpose of this research is to analyze the possibility of community-based economy (populist economy) implementation in Malang district to achieve sustainable economic development. In this research, there are four design stages based on the populist economy: first, mapping of leading economic sectors in Malang Regency. Second, mapping the socio-political conditions surrounding the community. Third, identify the existing institutional arrangements. Fourth, designing an appropriate form of partnership to accommodate the common interests of the government, private sector and the community in the perspective of As-Syatibi Islamic economic development.