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All Journal Jurnal Ilmiah Ekonomi Islam Iqtishodia: Jurnal Ekonomi Syariah POLICY AND MARITIME REVIEW Al-Bayyinah Welfare: Jurnal Pengabdian Masyarakat
Hidayah, Islamiati
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Religion Humanities Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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A Study on Financial Soundness at Indonesian Islamic Bank Hidayah, Islamiati; Hariyanti, Sri; Kusumawardhany, Sayekti Indah
Iqtishodia: Jurnal Ekonomi Syariah Vol. 9 No. 2 (2024): September
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v9i2.1270

Abstract

This study aims to investigate the soundness of Islamic Bank in Indonesia. Particularly at PT. Bank Muamalat Indonesia, Tbk through RGEC (Risk Profile, Good Corporate Governance, Earning, and Capital). This study is a quantiative study and employs multiple regression analysis to analyze the data from annual report of Bank Muamalat Indonesia. RGEC method was employes to measure the financial distress which includes components of Risk Profile, Good Corporate Governance, Earnings, and Capital. The Risk Profile is proxied by Non-Performing Finance (NPF) and Financing to Deposit Ratio (FDR). Earnings are proxied by Return on Assets (ROA), Return on Equity (ROE). Capital is peroxided by the Capital Adequacy Ratio (CAR). The result of this study shows NPF, FDR, RoA, RoE, and CAR are partially and simultanousely influence financial distress of Islamic Bank especially in Bank Muamalat Indonesia. Particularly, NPF and RoE have a positive relationship with financial distress while FDR, RoA, and CAR have a negative relationship with financial distress
Financing MSME Using Analysis of IFAS and EFAS Matrix: Case Study in Honey Pumpkin Business Hidayah, Islamiati; Abadi, M. Kurnia Rahman; Falach, Ghulam; Ismail, Moh
Al-Bayyinah Vol. 8 No. 1 (2024): Al-Bayyinah
Publisher : Faculty of Sharia and Islamic Law Institut Agama Islam Negeri Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-bayyinah.v8i1.4546

Abstract

This study is aimed to find out how the Honey Pumpkin business development strategy is carried out by Honey Pumpkin Farmers in Banyusokah Village, Sampang Regency based on EFAS and IFAS Matrix. The method employed in this study is descriptive qualitative which is aims to describe, describe, record, and analyze existing and current conditions. The result of the study showed that Honey Pumpkin business in Banyoksah Village of Sampang Regency is able to implement the growth oriented strategy for developing its business. The suggested strategies are firstly, to distribute the products in the store at Sampang Regency and utilizing social media such as IG, whatsApp and so on for marketing. Secondly, diverging the processed product from honey pumpkin and turning customer into reseller. Thirdly, replacement of production technology used with more sophisticated and modern to increase the production effectively and efficiently. Lastly, opening several branch of store that owned by the company. Meanwhile, financing aspect regarding to growth oriented strategy several financing model could be useful. For example, working capital loan, digital marketing loan, business expansion loan, and equipment loans or leasing arrangement. Therefore, research and approach of financial institutions, banks, and alternative lenders is necessary to explore specific financing options that suit with growth strategies.
Analisis Filsafat Dakwah: Inovasi Kebijakan Revolusi Akidah Dan Akhlak Bagi Generasi Z Dan Alpha Satriyo, Bagus; Falach, Ghulam; Hidayah, Islamiati
Policy and Maritime Review VOLUME 3 NO 2
Publisher : Faculty of Social and Political Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30649/pmr.v3i2.72

Abstract

The decline in manners and morals among Generation Z and Alpha, largely due to technology dependence and insufficient religious education, necessitates urgent intervention. This research investigates innovative da'wah policies aimed at enhancing the faith and morals of youth, particularly through the Kediri City Great Mosque Youth Organization. Utilizing qualitative methods such as interviews and observations, the study incorporates various philosophical perspectives, including idealism and humanism. Findings indicate that leveraging social media and AI technology, along with positive adult role models, significantly boosts moral understanding among youth. Specifically, the research highlights impressive engagement rates for example online learning, AI applications, and organizational da'wah activities. These results underscore the critical need for a digital approach to faith and moral education, emphasizing collaboration among families, organizations, and communities to cultivate integrity and strong moral character in future generations.
A Study on Financial Soundness at Indonesian Islamic Bank Hidayah, Islamiati; Hariyanti, Sri; Kusumawardhany, Sayekti Indah
Iqtishodia: Jurnal Ekonomi Syariah Vol. 9 No. 2 (2024): September
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v9i2.1270

Abstract

This study aims to investigate the soundness of Islamic Bank in Indonesia. Particularly at PT. Bank Muamalat Indonesia, Tbk through RGEC (Risk Profile, Good Corporate Governance, Earning, and Capital). This study is a quantiative study and employs multiple regression analysis to analyze the data from annual report of Bank Muamalat Indonesia. RGEC method was employes to measure the financial distress which includes components of Risk Profile, Good Corporate Governance, Earnings, and Capital. The Risk Profile is proxied by Non-Performing Finance (NPF) and Financing to Deposit Ratio (FDR). Earnings are proxied by Return on Assets (ROA), Return on Equity (ROE). Capital is peroxided by the Capital Adequacy Ratio (CAR). The result of this study shows NPF, FDR, RoA, RoE, and CAR are partially and simultanousely influence financial distress of Islamic Bank especially in Bank Muamalat Indonesia. Particularly, NPF and RoE have a positive relationship with financial distress while FDR, RoA, and CAR have a negative relationship with financial distress
Pemanfaatan Canva Sebagai e-Katalog Dalam Meningkatkan Visibilitas Dan Kehadiran Toko Zaidan di Dunia Digital Alfandi, Moh.; Ribie, Maya Fransiska; Fitria, Maula Lailatul; Wahyuni, Meyla Tri; Zunaidi, Arif; Mochamad Alvido Zakaria; Hidayah, Islamiati
Welfare : Jurnal Pengabdian Masyarakat Vol. 1 No. 3 (2023): Welfare : September 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam, IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/welfare.v1i3.725

Abstract

This service aims to increase accessibility and convenience for consumers when shopping for products from micro, small, and medium enterprises (MSMEs) through the use of the Canva platform as an e-catalog. The service method includes training and assistance for MSMEs in using Canva to create interesting and informative e-catalogs. Apart from that, consumers are also given a guide to using the e-Catalog to make it easier for them to choose and order products. The results of this service show a significant increase in the accessibility of MSME products via digital platforms. Consumers can easily access the e-catalog, browse products, and make transactions online. MSMEs also experience increased sales and exposure through the use of this technology. In this way, this service has succeeded in expanding market reach for MSMEs and making it easier for consumers to shop for local products. This initiative promotes the growth and sustainability of MSMEs in today's digital era.
Development Strategies of Muslim’s MSMEs at Banyoksah Village Sampang Madura Island: Analysis of IFAS and EFAS Matrix Hidayah, Islamiati; Kusumawardhany, Sayekti Indah
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10029

Abstract

This study is aimed to find out how the Honey Pumpkin business development strategy is carried out by Honey Pumpkin Farmers in Banyusokah Village, Sampang Regency based on EFAS and IFAS Matrix. The method employed in this study is descriptive qualitative which is aims to describe, describe, record, and analyze existing and current conditions. The result of the study showed that Honey Pumpkin business in Banyoksah Village of Sampang Regency is able to implement the growth oriented strategy for developing its business. The suggested strategies are firstly, to distribute the products in the store at Sampang Regency and utilizing social media such as IG, whatsApp and so on for marketing. Secondly, diverging the processed product from honey pumpkin and turning customer into reseller. Thirdly, replacement of production technology used with more sophisticated and modern to increase the production effectively and efficiently. Lastly, opening several branch of store that owned by the company.
Co-Authors Abadi, M. Kurnia Rahman Alfandi, Moh. Bagus Satriyo, Bagus Falach, Ghulam Fitria, Maula Lailatul Hariyanti, Sri Kusumawardhany, Sayekti Indah Mochamad Alvido Zakaria Ribie, Maya Fransiska Wahyuni, Meyla Tri Zunaidi, Arif