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All Journal Jurnal Ekonomi Syariah Pelita Bangsa Jurnal Pelita Ilmu Ekonomi Syariah (JPIES) Jurnal Pengabdian Pelita Insani (JPPI) Jurnal Pengabdian Pelita Insani (JPPI)
Iin Masriah
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Religion Humanities Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Analisis Efisiensi Teknis Bank Syariah Indonesia Hananto, Bernad; Ari Mulyono Hadi; Iin Masriah; Azmy Muhammad Habiby; Asih Sugiyanti
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 9 No. 01 (2024): JESPB Edisi April 2024
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v9i01.1288

Abstract

In early 2021 Bank Syariah Mandiri, BNI Syariah and BRI Syariah merged to become Bank Syariah Indonesia, this merger of Islamic banks is one of the government's efforts to respond to Islamic economic growth in Indonesia, this research was made to compare the technical efficiency of Indonesian Syariah Banks in the early period merger and the pre-merger period, using the non-parametric Data Envelopment Analysis method, the efficiency revealed includes the function of the bank as a mediator and the function of the bank as a producer that generates income for the sahibul maal both third parties and shareholders, this study reveals that the bank resulting from the merger in year 2 has a significant increase in Total Assets where this increase is in line with the increase in Temporary Sirkah Funds, Wadiah Fund Deposits, and Equity. Profit before Zakat and Tax in year 2 of the merger increased 111% compared to 2019. In 2021 when the bank not yet merged efficiency level of 97% related to its function as a revenue generator, banks in the first and second years after the merger the bank has an efficiency rate of 100%, both as an intermediary and also as a profit earner for third parties and shareholders.
Peran Dan Strategi Financial Technologi (Fintech)Dalam Upaya Meningkatkan Dana Zakat LAZ Al-Kahfi Bernad Hananto; Wiranta; Iin Masriah; Suhrowardi; Savero RN
JPIES: Jurnal Pelita Ilmu Ekonomi Syariah Vol. 1 No. 01 (2024): JPIES Edisi Januari 2024
Publisher : LPPM STEBIS YPII

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71195/32v87v71

Abstract

Fintech is a new breakthrough in the method of collecting zakat funds, this is not only a method but also one of the strategies to increase zakat fund collection. Fintech makes it easy for muzzaki to pay zakat, compared to paying directly manually at LAZ offices or counters. The type of research used is field research that is. qualitative in which the data is taken directly from the source, using a qualitative descriptive approach, namely research that describes data and information based on facts obtained in the field regarding the implementation of fintech as a strategy to increase zakat fund collection. With the method of interviewing, observation, documentation, and literature and using the SWOT analysis tool. The result of this research is that the Fintech System at LAZ ALKAHFI uses several media in running the fintech system, namely bank transfers via ATM, e-banking and m-banking. besides using websites, applications and social media, as well as collaborating with several e-commerce sites, such as Gojek and Ovo. This system has several weaknesses, one of which is technical problems with virtual numbers and services on the available websites and applications. However, these weaknesses can be minimized by the SWOT method. In the end, the fintech system has a positive effect on increasing the zakat fund at LAZ AL-KAHFI.
Analisis Pelaksanaan Akad Wadi’ah Dalam Produk Simpanan Suhrowardi; Iin Masriah; Enur Hotimah; Dede NI; Saphira VJ
JPIES: Jurnal Pelita Ilmu Ekonomi Syariah Vol. 1 No. 01 (2024): JPIES Edisi Januari 2024
Publisher : LPPM STEBIS YPII

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71195/w6wnfp60

Abstract

This research uses field research that uses descriptive qualitative methods. In the data interview, the author uses the interview method as new to the employees of BMT Fajar, Tambun Bekasi Branch, while the documentation is carried out by recording or data obtained from BMT Fajar, Tambun Bekasi Branch. ah at BMT Fajar Tambun Bekasi Branch. The results showed that wadi'ah savings at BMT Fajar were also followed by a qardhul hasan contract. In other words, in this contract the members who allow it are managed by BMT as a form of help (tabarru) in accordance with the rules of the Qur'an and hadith. Muamalah fiqh experts assess this practice as something that is permitted as long as there is no additional money as an imbalance in customer savings. From this report, the authors can report that the implementation of the wadi'ah contract in savings products is in accordance with sharia principles, but only uses different product names. But it still has to be in sharia principles.
Implementasi Sanksi Denda (Nadzar) Dalam Transaksi Pembiayaan Murabahah Bernad Hananto; Wiranta; Suhrowardi; Iin Masriah; Rahadian SA
JPIES: Jurnal Pelita Ilmu Ekonomi Syariah Vol. 1 No. 02 (2024): JPIES Edisi Juli 2024
Publisher : LPPM STEBIS YPII

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71195/fsm44271

Abstract

The purpose of this study is to describe the implementation of the Murabahah (buying and selling) house contract, to describe the implementation of fines / Nadzar if the customer / member is late in paying, and to find out the concept of applying the fine sanctions in a sharia perspective. This research uses a qualitative research approach, while this type of research is descriptive in nature, which describes an event. By using primary data through interviews and social media as well as secondary data taken through literature review.The results of this study are the fines imposed at BMT UGT Sidogiri Cikarang amounting to 0.17% per day of the principal amount of financing arrears. And the fines are in accordance with the DSN fatwa No. 17 / DSN-MUI / IX / 2000, where if there is a customer / member who is able to pay but delays payment, he will be subject to fines / ta'zir , which will be imposed as social funds. However, there are some scholars who do not allow the fine, because it is tantamount to usury.
Strategi Peningkatan Kualitas Sumber Daya Manusia di Baznas Kabupaten Bekasi Dalam Optimalisasi Penyaluran Zakat Mal Suhrowardi; Iin Masriah; Enur Hotimah; Dede NI; Asih Sugiyanti
JPIES: Jurnal Pelita Ilmu Ekonomi Syariah Vol. 1 No. 02 (2024): JPIES Edisi Juli 2024
Publisher : LPPM STEBIS YPII

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71195/7z5zc953

Abstract

This study aims to determine the strategy for improving the quality of human resources in BAZNAS Bekasi Regency in optimizing the distribution of zakat mal. Quality human resources are owned by BAZNAS Bekasi Regency, so it is expected that the distribution of zakat mal can be optimized and right on target so that it can change the sustainability of the lives of the Bekasi community, especially the poor and needy. The basis of this study uses a qualitative method. The data sources obtained from this study were through field observations, interviews with the HR staff of BAZNAS Bekasi Regency and mustahik. Other data were obtained by researchers from brochures and the official websites of BAZNAS Pusat and BAZNAS Bekasi Regency. Based on the results of the study, BAZNAS Bekasi Regency has implemented a strategy to form quality resources through various methods including education, training (amil certification), attitudes and behaviors reflected in the BAZNAS law, communication and good relationships between BAZNAS employees and their muzzaki and mustahik. However, the distribution of zakat mal at BAZNAS Bekasi Regency has not reached its maximum, because the type of zakat mal collection at BAZNAS Bekasi Regency is only in professional zakat, infaq and alms.
Pelatihan Ecopreneur Dengan Konsep Saemaul Undong Pada UMKM Desa Waringin Jaya Bernad Hananto; Wiranta; Iin Masriah; Suhrowardi; Savero RN
JPPI: Jurnal Pengabdian Pelita Insani Vol. 1 No. 01 (2024): JPPI Edisi Februari 2024
Publisher : LPPM STEBIS YPII

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71195/jppi.v1i01.12

Abstract

Ecopreneur developed in this PKM is the development of value-added products from local commodities that are considered no / less economically valuable. The partner group involved is the Non-Governmental Organization group in Waringin Jaya village. The approach taken is the facilitation of the P-IRT permit process and the provision of in-kind support in the form of equipment. In addition, the group is also accompanied in the manufacture of packaging and promotional and marketing media. In this PKM activity, the combination of ecopreneurship and the concept of Saemaul Undong 2.0 is a potential approach to be used in more sustainable community service.
Tantangan Dan Solusi Bisnis UMKM Di Era Digital Suhrowardi; Iin Masriah; Enur Hotimah; Dede NI; Asih Sugiyanti
JPPI: Jurnal Pengabdian Pelita Insani Vol. 1 No. 01 (2024): JPPI Edisi Februari 2024
Publisher : LPPM STEBIS YPII

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71195/jppi.v1i01.13

Abstract

Pandemi Covid-19 merupakan krisis kesehatan yang berdampak pada seluruh aspek kehidupan masyarakat, terutama aspek ekonomi dan bisnis. Dalam arahannya, Presiden Joko Widodo menginstruksikan untuk melakukan realokasi anggaran dan refocusing kebijakan guna memberikan insentif ekonomi bagi pelaku UMKM dan sektor informal, sehingga mereka tetap dapat berproduksi dan beraktivitas tanpa melakukan Pemutusan Hubungan Kerja (PHK). “Pertama, bidang kesehatan, terutama dalam upaya pengendalian Covid-19. Kedua, Social Safety Net, yaitu bantuan sosial. Ketiga, insentif ekonomi bagi pelaku usaha dan UMKM,” ujar Presiden. Selain itu, Presiden juga meminta agar program-program bantuan sosial yang dapat meningkatkan konsumsi diperbesar, dan Kredit Usaha Rakyat (KUR) lebih intensif serta dieksekusi sebanyak-banyaknya. RUU Cipta Kerja juga diharapkan dapat menjadi motor penggerak pertumbuhan ekonomi yang berkeadilan dan menciptakan pemerataan kesejahteraan masyarakat, sehingga kesejahteraan dapat merata di seluruh lapisan masyarakat. Bisnis digitalisasi juga menjadi peluang besar dalam memasarkan UMKM, terutama di era new normal ini.
Membangun Brandmark Produk Rengginang UMKM Desa Karang Harum Bernad Hananto; Wiranta; Iin Masriah; Suhrowardi; M Ulil Albab
JPPI: Jurnal Pengabdian Pelita Insani Vol. 1 No. 02 (2024): JPPI Edisi Agustus 2024
Publisher : LPPM STEBIS YPII

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71195/jppi.v1i02.17

Abstract

Karang Harum Village is one of the villages located in Kedungwaringin District, Bekasi Regency. In Karangharum Village, there are several home industries that process various raw products around their homes into processed products that have added value. One of the home industries that is still running today is the rengginang industry. The rengginang industry in this village is developing well and is still producing today. However, the absence of packaging and labeling makes this industry slightly hampered in terms of marketing. The method used in this community service activity is the method of mentoring and educating the community regarding marketing strategies, especially packaging and labeling. The final result of this study is packaging branding, labeling for rengginang processed products, and registration of the industry with the Health Service and the Industry, Trade, and Cooperatives Service, Bekasi Regency as a home industry based on processed agricultural products because the main ingredient is rice flour. Product labeling and registration of products with the relevant agencies are expected to spur and develop this industry on a wider scale.
Pembangunan Sentra Kreasi Desa Sebagai Wadah Aspirasi Menuju Desa Karangmekar Yang Sehat Dan Sejahtera Suhrowardi; Iin Masriah; Enur Hotimah; Dede NI; Rahadian SA
JPPI: Jurnal Pengabdian Pelita Insani Vol. 1 No. 02 (2024): JPPI Edisi Agustus 2024
Publisher : LPPM STEBIS YPII

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71195/jppi.v1i02.18

Abstract

Karangmekar Village is one of the locations considered suitable for carrying out community service. Karangmekar Village also has advantages in its geographical location. This potential should be developed as regional income, but this is not in line with the socio-economic development and welfare or education of the village community. This can be seen from the low percentage of the number of residents working as factory employees not because the industrial sector cannot absorb workers from Karangmekar Village, but rather because of the low work ethic of the local population, usually they do not last long working in the factory and leave without any clear work. The impact is that there is a socio-economic gap between the local population and the newcomers. The concept designed by the STEBIS YPII Community Service team to be implemented and developed in order to answer all the problems that arise in Karangmekar Village is "Development of Village Creative Centers as a Container for Aspirations Towards a Healthy and Prosperous Karangmekar Village" and this service activity collaborates with local BUMDES partners so that the efforts made in this Service can synergize with one of the functions of BUMDES.
Pelatihan Ecopreneur Dengan Konsep Saemaul Undong Pada UMKM Desa Waringin Jaya Bernad Hananto; Wiranta; Iin Masriah; Suhrowardi; Savero RN
JPPI: Jurnal Pengabdian Pelita Insani Vol. 1 No. 01 (2024): JPPI Edisi Februari 2024
Publisher : LPPM STEBIS YPII

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71195/jppi.v1i01.12

Abstract

Ecopreneur developed in this PKM is the development of value-added products from local commodities that are considered no / less economically valuable. The partner group involved is the Non-Governmental Organization group in Waringin Jaya village. The approach taken is the facilitation of the P-IRT permit process and the provision of in-kind support in the form of equipment. In addition, the group is also accompanied in the manufacture of packaging and promotional and marketing media. In this PKM activity, the combination of ecopreneurship and the concept of Saemaul Undong 2.0 is a potential approach to be used in more sustainable community service.
Co-Authors Agung Yannesa Andi Suhandi Ari Mulyono Hadi Asih Sugiyanti Azmy Muhammad Habiby Bernad Hananto Bernard Hananto Dede NI Dede Nur Iskandar Deni Santoso Enur Hotimah Hananto, Bernad M Ulil Albab Nasrun Baldah Rahadian SA Saphira VJ Savero RN Suhrowardi Wiranta