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PENGARUH CURRENT ASSET SAVING ACCOUNT (CASA) DAN FEE- BASED INCOME (FBI)TERHADAP RETURN ON ASSET (ROA) PADA BANK JABAR-BANTEN SYARIAH (BJBS) PERIODE 2016-2020 Ade Monika; Arif Luqman Hakim; Ali Nur Ahmad
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 7 No. 02 (2022): JESPB Edisi Oktober 2022
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v7i02.584

Abstract

This study examines the effect of Current Account Saving Account (CASA) and Fee-Based Income (FBI) on Return On Assets (ROA) at Bank BJB Syariah for the 2016-2020 period. This study aims to determine whether or not there is an effect of Current Account Saving Account (CASA) and Fee Based Income (FBI) on Return On Assets (ROA) either partially or simultaneously at Bank BJB Syariah for the 2016-2020 period. In this study the authors used descriptive quantitative methods, using secondary data. The subjects in this study were the monthly reports of Bank BJB Syariah during the 2016-2020 period with a sample size of 60. The analytical techniques used were Descriptive Statistics Test, Classical Assumption Test, Simple Regression Test and Multiple Regression Test using the help of the IBM SPSS Stratistic 24 application. The results of the study This shows that partially the Current Account Saving Account (CASA) variable has no effect on Return On Assets (ROA), then the Fee-Based Income (FBI) variable has a negative and significant effect on Return On Assets (ROA). And simultaneously Current Account Saving Account (CASA) and Fee-Based Income (FBI) variables have a positive and significant effect on Return On Assets (ROA).
Optimalisasi Bazar Masjid sebagai Katalisator Pemberdayaan UMKM: Studi Kasus di Perumahan Sukaraya Indah Bekasi Syuhada, Wira; Mamun, Sukron; Kisanda Midisen; Ali Nur Ahmad
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 9 No. 02 (2024): JESPB Edisi Oktober 2024
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v9i02.1912

Abstract

Penelitian ini mengkaji optimalisasi bazar masjid sebagai katalisator pemberdayaan Usaha Mikro, Kecil, dan Menengah (UMKM) di Perumahan Sukaraya Indah, Bekasi. Fokus utama adalah evaluasi dampak bazar yang diselenggarakan pada 28 Juli 2024 di Masjid Attaqwa terhadap perkembangan ekonomi UMKM lokal. Menggunakan pendekatan studi kasus kualitatif, penelitian ini menggabungkan metode wawancara mendalam, observasi partisipan, dan analisis dokumen. Sampel meliputi 30 pelaku UMKM, 5 pengurus masjid, dan 3 pejabat setempat. Hasil penelitian menunjukkan bahwa bazar masjid berperan signifikan dalam meningkatkan omzet UMKM hingga 40%, memperluas jaringan pemasaran, dan meningkatkan kapasitas usaha. Faktor kunci keberhasilan meliputi sinergi antara pengurus masjid dan komunitas UMKM, strategi pemasaran terintegrasi, dan dukungan pemerintah setempat. Tantangan utama mencakup keterbatasan ruang dan manajemen waktu. Penelitian ini menghasilkan model optimalisasi bazar masjid yang dapat diaplikasikan untuk pemberdayaan UMKM di daerah lain. Implikasi praktis meliputi rekomendasi kebijakan bagi pemerintah daerah untuk mengintegrasikan program pemberdayaan UMKM dengan kegiatan sosial-keagamaan.
Peningkatan Literasi Keuangan Syariah Melalui Pelatihan dan Pendampingan Masyarakat Kabupaten Bekasi Sakum; Sukron Mamun; Ali Nur Ahmad; Sarwo Edy; Hamdan Ainulyaqin
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i12.4824

Abstract

Financial literacy in Indonesia, especially in the context of sharia financial literacy, shows an alarming level. Financial literacy includes the ability to read, analyze, manage and communicate personal financial conditions. The World Bank survey places Indonesia in the third lowest ranking globally in terms of financial literacy, behind India and China. Data from the Financial Services Authority (OJK) shows that in 2013 and 2016, only around 21.84% and 29.66% of the Indonesian adult population had adequate financial literacy, with the figure among MSMEs even lower, namely 18.71%. An OJK webinar in 2022 revealed that the sharia economic literacy index had only reached 23.3%, far below the national financial literacy index of 49%. This imbalance highlights the need for broader educational efforts to increase public understanding of Islamic financial products. Even though financial education is the key to increasing literacy, in Indonesia, financial education is still rare in schools and universities. Developed countries have actively promoted financial education, while big challenges still exist in Indonesia. In the Islamic context, financial literacy also includes understanding muamalah maaliyah law to ensure halal and fair transactions. This research aims to explore and understand aspects of sharia financial literacy and inclusion through a qualitative approach, with observations and literature reviews in Bekasi Regency. It is hoped that this research can provide in-depth insights and recommendations to increase sharia financial literacy and inclusion more effectively.
Pelatihan Menumbuhkan Jiwa Wirausaha pada Generasi Muda Bagi Siswa Madrasah Aliyah Al-Lathifah Cikarang Barat Kisanda Midisen; Aceng Badruzzaman; Sukron Makmun; Ali Nur Ahmad; Wulan Windiarti
El-Mujtama: Jurnal Pengabdian Masyarakat  Vol. 4 No. 6 (2024): El-Mujtama: Jurnal Pengabdian Masyarakat
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmujtama.v4i6.4371

Abstract

The purpose of this community service research is to train students at Al-Lathifah Senior High School West Cikarang in order to promote an entrepreneurial spirit in the next generation. The training intends to foster a creative, inventive, and solution-focused mindset in addition to giving students the information and practical skills necessary for entrepreneurship. This course makes use of case studies that are applicable to real-world situations, business simulations, talks, and debates. The study's findings show that students are becoming more knowledgeable about entrepreneurship, more interested in it, and more capable of starting and operating small enterprises. Furthermore, the pupils' attitude of independence and social responsibility was successfully formed by this instruction. As a result, it is anticipated that this training will serve as a model for other madrasas, helping to raise a new generation prepared to support the growth of the country's economy.
Maksimalisasi Zakat untuk Pemberdayaan Ekonomi: Strategi Pendampingan dan Manajemen yang Efisien Sakum; Sukron Mamun; Ali Nur Ahmad; Kisanda Midisein; Listiyan Achmad
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 1 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i1.4825

Abstract

This research aims to explore the potential of zakat in empowering the economic community in Indonesia, with a focus on mentoring and efficient management strategies. Zakat, as an Islamic economic instrument, has strategic potential to overcome income inequality and promote economic equality. In Indonesia, with a majority Muslim population and cultural diversity, zakat is expected to significantly strengthen economic empowerment and community welfare. This research uses a qualitative approach involving observation, interviews and literature review. Field observations were carried out to understand the implementation of zakat in daily operations, while interviews with stakeholders such as entrepreneurs, zakat institution managers, and consumers provided in-depth insight into the challenges and opportunities in zakat management. A literature review was carried out to build a theoretical foundation and understand developments and policies related to zakat. Initial findings show that although zakat institutions in Indonesia have developed, the potential of zakat as an economic tool is not yet optimal because it is often considered a voluntary contribution. Optimizing zakat can be achieved through implementing the principles of good governance, integration in fiscal policy, and the use of digital systems for administration. Collaboration with other institutions is also important to increase transparency and accountability. It is hoped that this research can provide strategic guidance for the development and implementation of zakat as a more effective tool for economic empowerment, with a positive impact on reducing poverty and improving community welfare.
Peningkatan Literasi Keuangan Syariah Melalui Pelatihan dan Pendampingan Masyarakat Kabupaten Bekasi Sakum; Sukron Mamun; Ali Nur Ahmad; Sarwo Edy; Hamdan Ainulyaqin
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i12.4824

Abstract

Financial literacy in Indonesia, especially in the context of sharia financial literacy, shows an alarming level. Financial literacy includes the ability to read, analyze, manage and communicate personal financial conditions. The World Bank survey places Indonesia in the third lowest ranking globally in terms of financial literacy, behind India and China. Data from the Financial Services Authority (OJK) shows that in 2013 and 2016, only around 21.84% and 29.66% of the Indonesian adult population had adequate financial literacy, with the figure among MSMEs even lower, namely 18.71%. An OJK webinar in 2022 revealed that the sharia economic literacy index had only reached 23.3%, far below the national financial literacy index of 49%. This imbalance highlights the need for broader educational efforts to increase public understanding of Islamic financial products. Even though financial education is the key to increasing literacy, in Indonesia, financial education is still rare in schools and universities. Developed countries have actively promoted financial education, while big challenges still exist in Indonesia. In the Islamic context, financial literacy also includes understanding muamalah maaliyah law to ensure halal and fair transactions. This research aims to explore and understand aspects of sharia financial literacy and inclusion through a qualitative approach, with observations and literature reviews in Bekasi Regency. It is hoped that this research can provide in-depth insights and recommendations to increase sharia financial literacy and inclusion more effectively.