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All Journal International Journal of Islamic Economics and Finance (IJIEF) Studi Kasus Inovasi Ekonomi Review of Islamic Economics and Finance Jurnal Pengabdian kepada Masyarakat Nusantara Jurnal Pengabdian Masyarakat Indonesia Maliki Islamic Economics Journal Journal of Development Economic and Social Studies (JDESS) Contemporary Studies in Economic, Finance and Banking (CSEFB) Islamic Economics and finance in Focus (IEFF)
Widiyanti, Dwi Retno
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Public Health Social Sciences

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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS BANK SYARIAH DI INDONESIA Ramadhan, Muhammad Rizky; Widiyanti, Dwi Retno
Islamic Economics and finance in Focus Vol. 2 No. 3 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2023.02.03.13

Abstract

This study aims to examine the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operating Cost divided by Operating Income (BOPO), and Non Performing Financing (NPF) to profitability proxied by Return on Assets (ROA) at Sharia Commercial Bank in the period of 2017-2021. The data used in the research was obtained from financial report data. This study population is the Sharia Commercial Banks. The sample selection technique used was purposive sampling and obtained 8 Sharia Commercial Bank with research period of 2017-2021 quarterly. The method of analysis in this research is the panel data regression using the Stata 17 software. The results shows that all independent variables (CAR, FDR, BOPO, NPF) affect the dependent variable profitability proxied by (ROA). Partially, it was found that CAR positively and significantly affects ROA, while FDR negatively and significantly affects ROA. Similarly, BOPO has a significant negative impact on ROA, as does NPF, which also has a significant negative impact on ROA.
An Analysis of The Effectiveness of Waqf Fund Management Performance in Waqf Managing Institutions in Indonesia Widiyanti, Dwi Retno; Abdurrahman, Anas Faqih; Hafidzuddin, Ihsan
Review of Islamic Economics and Finance Vol 7, No 2 (2024): Review of Islamic Economics and Finance (RIEF): November 2024
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/rief.v7i2.73868

Abstract

AbstractPurpose – The purpose of this research is to measure the efficiency of waqf funds managed by philanthropic institutions in Indonesia during the period 2018–2022. Four representations of best waqf funds institutions are chosen as sample, they are Dompet Dhuafa, Baitulmaal Muamalat, Waqf Al-Azhar, and Waqf Salman. Methodology - The method used is to use a quantitative approach using non-parametric Data Envelopment Analysis (DEA) data analysis techniques. The efficiency measurement is obtained from the using input variables (human resource costs, operational costs, and fixed assets) and output variables (collection and distribution of waqf funds).Findings - The Research findings show variations in the efficiency of waqf fund management between 2018 and 2022 that indicated the small impact of the COVID-19 pandemic on the efficiency of waqf institutions. Other findings revealed that Dompet Dhuafa has the most efficient DMU. It is qualified as the benchmark for other waqf institutions in their efforts to improve efficiency.Keywords: Efficiency; waqf institutions; Data Envelopment Analysis (DEA)
PENGARUH ADOPSI DEBIT CARD DAN E-MONEY TERHADAP POLA BELANJA KONSUMEN Rahma, Niken; Widiyanti, Dwi Retno
Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 4 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2024.03.4.03

Abstract

The adoption of debit card and E-Money is increasingly important to study due to its potential to influence payment patterns and overall consumer behavior. This research aims to analyze the effect of debit cards and e-money on consumer shopping behavior. The subjects of this study are students from the Faculty of Economics and Business at Universitas Brawijaya, cohorts 2020, 2021, and 2022, who have been using debit card and E-Money for more than one year and receive an allowance of more than IDR 1,000,000. The sampling method used is purposive sampling, with a total of 104 respondents. Data were collected through questionnaires and analyzed using inferential quantitative methods with the Structural Equation Modeling Partial Least Squares (SEM-PLS) approach. The results indicate that debit cards and e-money significantly enhance consumer shopping behavior. These findings have important implications for governments, companies, and individuals in adopting digital payment technologies as part of a more effective financial management strategy.
Exploring Green Banking Performance of Islamic Banks in Indonesia Widiyanti, Dwi Retno; Hanifah, Sarah Hana; Supriani, Indri
International Journal of Islamic Economics and Finance (IJIEF) Vol. 8 No. 1 (2025): IJIEF Vol 8 (1), January 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/ijief.v8i1.22411

Abstract

The sustainable movement in the financial sector, known as green banking, has emerged as a global standard that obligates the financial industry to adhere to social and environmental responsibilities. Indonesian Islamic banks' green banking initiatives are examined in this study. Green Banking Disclosure Index (GBDI) indicators for 13 Islamic commercial banks were collected from their five-year sustainability reports. Bose et al. (2018)'s 21 GDBI indicators were thoroughly analyzed. Jeucken's typology measurement showed banks' four-stage movement from defensive and preventative to aggressive and "sustainable" in 2004. Jeucken's Typology of Banking and Sustainable Development functioned as the assessment framework for evaluating green banking performance. Among the 13 Islamic banks analysed, only six have chosen to publicly disclose their sustainability reports. The banks in question include Panin Dubai Syariah Bank, Muamalat Bank, Aladin Syariah Bank, Aceh Bank, BTPN Syariah Bank, and Mega Syariah Bank. The data reveals that no Islamic banks have reached the "sustainable" stage. Currently, two out of six Islamic banks are positioned in the offensive stage, while the other four are in the preventive stage. It can be posited that these financial institutions have commenced the shift towards a "sustainable" phase. The findings of this study on disclosure indicators in green banking indicate that Indonesian Islamic banks must revise their reporting methods concerning environmentally friendly banking practices. Moreover, considering their crucial role in advancing green banking in relation to sustainable development, Indonesian Islamic banks need to enhance the quality of their publicly accessible sustainability reports.
Analysis of Profitability Determinants of Sharia Insurance Companies in Indonesia and Malaysia 2017-2022 Ahmad, Adzkia Fataya; Widiyanti, Dwi Retno
Islamic Economics and finance in Focus Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2025.04.1.07

Abstract

This research aims to evaluate how factors such as firm size, liquidity, and claim ratio influence the profitability of Islamic insurance companies in Indonesia and Malaysia between 2017 and 2022. The study utilizes secondary data collected through purposive sampling, which selected 24 companies for analysis. Panel data regression was conducted using Eviews 10 software, and hypothesis testing was performed using the t-test. The findings reveal that in Malaysia, the profitability of Islamic insurance firms is significantly influenced by firm size, liquidity, and claim load ratios. In contrast, in Indonesia, only firm size has a positive effect on profitability, with liquidity and claim load ratios showing no significant impact.
Analysis of the Effects of Macroeconomic Variables on Zakat Fund Revenues in Indonesia for the 2020-2024 Period Hakim, Fajar Arif Rahman; Widiyanti, Dwi Retno
Islamic Economics and finance in Focus Vol. 4 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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

Abstract

This study aims to analyze the effect of macroeconomic variables on zakat revenue in Indonesia for the period 2020-2024. The independent variables studied include inflation, money supply (MS), industrial production index (IPI), and BI Rate as factors that potentially affect zakat revenue in Indonesia. This study uses a quantitative approach with the Vector Error Correction Model (VECM) analysis method. The data used in this study is time series data for the 2020-2024 period. The results of the analysis show that the inflation variable has no significant effect on zakat revenue in either the short or long term. Conversely, the JUB variable has a significant negative effect and the IPI has a significant positive effect on zakat revenue, both in the short and long term. Meanwhile, the BI Rate does not show a significant effect. This study provides several important implications for policymakers and zakat administrators to be more sensitive to macroeconomic conditions in an effort to improve the stability and optimization of zakat revenue in Indonesia.
Edukasi Sertifikasi Halal Bagi UMKM Kuliner Desa Jenggolo, Kecamatan Kepanjen, Kabupaten Malang Ekawaty, Marlina; Widiyanti, Dwi Retno
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 6 No. 1.1 (2024): Jurnal Pengabdian kepada Masyarakat Nusantara (JPkMN) SPECIAL ISSUE
Publisher : Lembaga Dongan Dosen

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

Abstract

Menurut data Kecamatan Kepanjen tahun 2022, penduduk Desa Jenggolo didominasi Muslim dan memiliki potensi wisata berupa situs bersejarah dengan nilai religius. Desa ini juga memiliki 96 UMKM kuliner, namun dari 30 UMKM kuliner yang disurvei, 26 (87%) diantaranya belum memiliki sertifikasi halal. Untuk meningkatkan kepercayaan konsumen dan membuka akses pasar yang lebih luas, program PKM bertujuan memberikan edukasi tentang pentingnya sertifikasi halal dan prosedur pengajuannya. Program ini mengadopsi pendekatan andragogi dan ceramah interaktif, diakhiri dengan pendampingan bagi peserta yang berminat mengurus sertifikasi halal. Keberhasilan kegiatan diukur melalui pre-post test, yang dirancang untuk mengevaluasi pengetahuan peserta tentang sertifikasi halal dalam dua kategori: dasar dan menengah. Pengetahuan dasar mencakup hukum fiqh terkait makanan halal, sedangkan pengetahuan menengah mencakup prosedur sertifikasi halal di Indonesia. Kegiatan edukasi ini berhasil meningkatkan pemahaman peserta terhadap aspek-aspek halal, terutama di tingkat yang lebih kompleks. Peserta yang sebelumnya hanya memahami konsep dasar mulai beralih ke pemahaman lebih mendalam setelah menerima materi komprehensif dan terstruktur. Dari 30 peserta UMKM kuliner Desa Jenggolo, terdapat penurunan pemahaman tingkat dasar dari 87% (26 peserta) menjadi 63% (19 peserta) dan di sisi lain terjadi peningkatan pada tingkat menengah dari 13% (4 peserta) menjadi 37% (11 peserta). Selain itu, hasil pra- kuesioner menunjukkan bahwa hanya 7 peserta (23%) berminat melanjutkan proses sertifikasi halal. Program PKM kemudian melanjutkan pendampingan untuk membantu peserta tersebut dalam mengurus sertifikasi halal, termasuk administrasi seperti pengurusan NIB dan NPWP. Pada akhir program, tim PKM berhasil mendampingi satu pelaku UMKM memperoleh sertifikat halal untuk produk makanannya.
Literasi Keuangan dan Pembiayaan Syariah Dalam Upaya Meningkatkan Ekonomi Masyarakat Desa Curungrejo Anggraini, Ika Khusnia; Widiyanti, Dwi Retno; Galuh, Ajeng Kartika; Wardani, Dinda Rahmah; Prawatya, Nurrahma
Jurnal Pengabdian Masyarakat Indonesia Vol 4 No 3 (2024): JPMI - Juni 2024
Publisher : CV Infinite Corporation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52436/1.jpmi.2013

Abstract

Perkembangan teknologi menjadi peluang bisnis dan mengubah pandangan masyarakat terhadap dunia digital. Namun, penggunaan teknologi secara bijak di Indonesia masih sulit dijangkau oleh masyarakat desa maupun masyarakat yang masih minim akan literasi keuangan. Terdapat ribuan kasus terkait masalah pinjaman online yang tidak resmi yang biasanya menyerang para pelaku usaha yang minim akan literasi keuangan. Hal tersebut sangat berkaitan dengan para pelaku Usaha Mikro, Kecil dan Menengah (UMKM) di Desa Curungrejo yang memiliki sumber daya yang melimpah. Hampir 99% dari para pengusaha di Indonesia adalah bagian dari sektor UMKM.  Indonesia dengan mayoritas penduduknya beragama Islam sebanyak 237,53 juta jiwa atau 86,9% dari populasi penduduk di Indonesia. Sehingga, sudah sepatutnya para pelaku usaha di Indonesia mengamalkan nilai-nilai Islam di kehidupan sehari-hari. Penerapan ekonomi syariah berdasarkan berbagai akad seperti akad mudharabah, murabahah, musyarakah, wadhi’ah, ijarah, dsb. Oleh karena itu pentingnya sosialisasi terkait ekonomi syariah dalam upaya memperkuat prinsip syariah pada setiap pelaku usaha didampingi dengan pengetahuan akan keuangan yang dapat mencegah terjadinya hal-hal buruk seperti terjerat kasus pinjaman online yang tidak resmi. Hasil pelaksanaan pengabdian menunjukkan antusiasme masyarakat yang menyatakan komitmen untuk beralih menggunakan system keuangan dan pembiayaan Syariah dalam membantu permodalan usaha mereka karena faktor keamanan dan kepastian hukum dan perspektif Syariah mengingat bahwa masyarakat Desa Curungrejo didominasi oleh muslim. Dalam jangka panjang, implementasi tersebut akan membantu perekonomian warga Desa Curungrejo yang memiliki output untuk meningkatan pertumbuhan ekonomi di Indonesia.
Co-Authors Abdurrahman, Anas Faqih Ahmad, Adzkia Fataya Ajeng Kartika Galuh al latif ms., andi aziz Anggraini, Ika Khusnia Ariffiatin, Dina Mely Effendy Faza, Rayhan Fiqri, Alfany Arga Alil Hafidzuddin, Ihsan Hakim, Fajar Arif Rahman Hanifah, Sarah Hana Hanna haryono, jesselyn julia Marlina Ekawaty Muhammad Rizky Ramadhan Prawatya, Nurrahma Rahma, Niken Rahmatillah, Siti Nanda Shofiatin, Nanik Supriani, Indri Twinki, Bela Sania Wardani, Dinda Rahmah Yenny Kornitasari, Yenny