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All Journal El-Barka: Journal of Islamic Economics and Business Bertuah : Jurnal Syariah dan Ekonomi Islam Etihad: Journal of Islamic Banking and Finance NGARSA: Journal of Dedication Based on Local Wisdom Nidhomiya: Research Journal of Islamic Philanthropy and Disaster Khidmatuna: Jurnal Pengabdian Masyarakat BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Ulya, Husna Ni’matul
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Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Evaluating the Effect of Mudharabah and Murabahah Financing on Return on Assets Mediated by Non-Performing Financing at BMT Hasanah Ponorogo Febriana, Indri; Ulya, Husna Ni’matul
Etihad: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2024)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v4i1.9458

Abstract

Introduction: This study explores how mudharabah and murabahah financing affect Return on Asset (ROA) and the role of Non-Performing Financing (NPF) as an intervening variable at BMT Hasanah Ponorogo. Research Methods: This study employs regression analysis with NPF as an intervening variable. The data analyzed are the quarterly financial reports of BMT Hasanah Ponorogo from 2019 to 2023, focusing on the relationships between mudharabah financing, murabahah financing, ROA, and NPF. Results: The analysis reveals that mudharabah and murabahah financing significantly impact ROA directly and through NPF as an intervening variable. An increase in financing can enhance ROA, with NPF mediating the relationship between financing and ROA. Conclusion: This study finds that mudharabah and murabahah financing affect ROA, with NPF as an intervening variable. Effective risk management in financing is crucial for improving ROA at BMT Hasanah Ponorogo.
Pengendalian Dan Optimalisasi Persediaan Bahan Baku Produksi Di UD Kaos Hasby Garment Mlarak Ponorogo Mutiara, Dea Nur Eka; Ulya, Husna Ni’matul
Bertuah Jurnal Syariah dan Ekonomi Islam Vol. 4 No. 2 (2023): Bertuah: Jurnal Syariah dan Ekonomi Islam
Publisher : STAIN Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56633/jsie.v4i2.548

Abstract

AbstrakPengendalian persediaan bahan baku merupakan kebijakan untuk menyediakan bahan baku produksi yang digunakan agar tidak terjadi kekurangan maupun kelebihan persediaan sehingga proses produksi berjalan dengan lancar dan dapat meminimalkan biaya persediaan. Tujuan penelitian ini adalah untuk mendeskripsikan pengendalian persediaan bahan baku di UD. Kaos Hasby Garment, menganalisis faktor pendukung dan penghambat dalam pengendalian persediaan bahan baku, dan menganalisis optimalisasi persediaan bahan baku di UD. Kaos Hasby Garment dengan menggunakan metode EOQ. Metode yang digunakan dalam penelitian ini adalah metode mixed methods. Penelitian ini merupakan suatu langkah penelitian dengan menggabungkan dua bentuk penelitian yang telah ada sebelumnya yaitu penelitian kualitatif dan penelitian kuantitatif. Teknik penggumpulan data yang digunakan yaitu observasi, wawancara serta dokumentasi. Hasil dari penelitian ini menunjukkan bahwa dengan menggunakan metode EOQ (Economic Order Quantity) lebih optimal digunakan dalam melakukan pengendalian persediaan bahan baku benang dan kain jika dibandingkan dengan kebijakan perusahaan. Dengan ditetapkanya persediaan pengaman (Safety Stock) dan titik pemesanan ulang (Reorder Point) perusahaan bisa terhindar dari kekurangan bahan baku dan dapat mengetahui kapan pemesanan persediaan bahan baku kembali dilakukan sehingga proses produksi bisa berjalan dengan lancar  serta dapat meminimalkan biaya total persediaan.
The Low-Carbon Economy: A Study of Distributive, Procedural and Corrective Justice Ulya, Husna Ni’matul; Ridwan, Mohammad; Nur Mahmudah, Siti
El Barka Vol. 7 No. 2 (2024)
Publisher : El-Barka

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

Abstract

Rapid economic development has significantly impacted the environment, particularly through carbon emissions, threatening human survival. Indonesia, a major global emitter, aims to achieve net-zero carbon emissions by 2060 through a low-carbon economy plan. Justice, a key Islamic principle, is essential in this transition to ensure both worldly and spiritual welfare. This study analyzes the integration of distributive, procedural, and corrective justice in Indonesia's low-carbon economy policies. Using a qualitative critical approach and literature review of policy documents, academic studies, and government reports, the study identifies the role of justice in low-carbon development. Findings reveal that distributive justice demands equitable access to renewable energy resources and subsidies for low-income households. Procedural justice underscores the need for transparency and public participation, as seen in the inclusive formulation of Indonesia's Enhanced Nationally Determined Contributions (ENDC). Corrective justice involves compensatory measures, including job retraining for coal industry workers and ecosystem restoration in deforested areas. The study concludes that achieving justice in a low-carbon economy requires equitable benefit distribution and the prevention of marginalization. Transparent, participatory policies are crucial to address socio-economic impacts while promoting sustainable development. This approach aligns with Islamic values, advocating for balance between individual and societal welfare in transitioning to a low-carbon economy.
Pendampingan Sertifikasi Halal Produk Makanan Usaha Mikro dan Kecil Melalui Website SIHALAL Setyowati, Ratna Dewi; Cahyani, Putri Gita; Annisa, Nurul; Ulya, Husna Ni’matul
Ngarsa: Journal of Dedication Based on Local Wisdom Vol. 4 No. 1 (2024): Ngarsa: Journal of Dedication Based on Local Wisdom
Publisher : LP2M UIN Kiai Haji Achmad Siddiq Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/ngarsa.v4i1.424

Abstract

Understanding halal products in the digital era makes people smarter in choosing the products they want to buy. The importance of a product having halal certification will make it a branding tool in itself so that it will generate public trust in using the product. Bekare Village, Bungkal District, Ponorogo Regency, has many micro and small businesses as one of the community's jobs besides being farmers. However, they do not yet realize the importance of having protection tools that have been established by law, such as halal certification. The aim of this service is to provide an understanding of halal certification and help people obtain halal certificates. This service uses the service-learning method, namely applying the knowledge possessed by students and lecturers to the local community. This service succeeded in transforming the knowledge of the Bekare Village community regarding halal certification. They originally had the principle that the important thing was to sell the product and get their capital back. Currently they realize the importance of halal certificates for marketing and developing their business products. This service also succeeded in facilitating four micro and small businesses in obtaining halal certificates from the Ministry of Religious Affairs. Keywords: Assistance with halal certification, Self declare, Food products, Micro and Small Enterprises Abstrak: Pemahaman produk halal di era yang serba digital menjadikan masyarakat semakin pandai memilih produk yang akan dibelinya. Pentingnya suatu produk yang memiliki sertifikasi halal akan menjadikan alat branding tersendiri sehingga akan menghasilkan kepercayaan masyarakat dalam menggunakan produk tersebut. Desa Bekare, Kecamatan Bungkal, Kabupaten Ponorogo, memiliki banyak usaha mikro dan kecil sebagai salah satu pekerjaan masyarakat di samping sebagai petani. Namun, mereka belum menyadari pentingnya memiliki alat perlindungan yang telah ditetapkan UU seperti sertifikasi halal. Tujuan pengabdian ini adalah untuk memberi pemahaman tentang sertifikasi halal dan membantu masyarakat memperoleh sertifikat halal. Pengabdian ini menggunakan metode service-learning yaitu menerapkan pengetahuan yang dimiliki para mahasiswa dan dosen kepada masyarakat setempat. Pengabdian ini berhasil mentransformasi pengetahuan masyarakat Desa Bekare mengenai sertifikasi halal. Mereka semula berprinsip bahwa yang penting produk terjual habis dan memperoleh modal kembali. Saat ini mereka menyadari pentingnya sertifikat halal bagi pemasaran dan pengembangan produk-produk usaha mereka. Pengabdian ini juga berhasil menfasilitasi empat usaha mikro dan kecil dalam memperoleh sertifikat halal dari Kementerian Agama. Kata kunci: Pendampingan sertifikasi halal, Self declare, Produk makanan, Usaha Mikro dan Kecil
Dampak Pemberdayaan Ekonomi Melalui Proses Pemasaran Usaha "Bunda Bisa" di LAZ Yatim Mandiri Ponorogo Sari, Nia Dwi Kartika; Ulya, Husna Ni’matul
Nidhomiya: Research Journal of Islamic Philanthropy and Disaster Vol. 2 No. 2 (2023): Islamic Philanthropy and Disaster
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/nidhomiya.v2i2.2087

Abstract

Poverty is one of the difficult problems facing humanity. This is seen as a person's inability to meet the needs of his life. To reduce the problem of poverty, the government has created a program in the form of economic empowerment. Economic empowerment is a form of effort made to improve, motivate, mobilize the potential possessed by the community to develop more through a form of small industry or UMKM activities. Ndusun Coffee is a type of UMKM produced by Yatim Mandiri Ponorogo through an economic empowerment program. In producing the village's coffee, the institution involves widowed mothers who have poor economic conditions to be empowered, so that later it will improve their economy. The success in UMKM that are run can provide opportunities for them to increase the income of orphaned mothers and be more productive so that they can meet their daily needs. Therefore, the marketing process is very important because they can improve their knowledge and abilities. In achieving the success of this marketing process can be done using the 4P marketing mix theory, namely: product, price, place, and promotion. The type of research used by researchers is field research using a qualitative descriptive approach with data collection techniques used by researchers are interviews, observations, and documentation. After the data is obtained, it is analyzed using the data reduction method. In this empowerment program, they (orphan mothers) get sufficient results because judging from the sales of this coffee shared with Mrs. Else and they get results according to their presence in producing it and the impact, that is, before the existence of this mother can program they only had one type of job and after participating in the mother can program they had two jobs and get additional income which would later be used for daily needs. Kemiskinan merupakan salah satu masalah yang sulit dihadapi umat manusia. Hal ini dipandang sebagai ketidakmampuan seseorang dalam memenuhi kebutuhan hidupnya. Untuk mengurangi masalah kemiskinan tersebut pemerintah telah membuat suatu program berupa pemberdayaan ekonomi. Pemberdayaan ekonomi merupakan suatu bentuk upaya yang dilakukan untuk meningkatkan, memotivasi, menggerakkan potensi yang dimiliki oleh masyarakat agar lebih berkembang dengan melalui suatu bentuk kegiatan industri kecil atau UMKM. Kopi Ndusun merupakan jenis UMKM yang diproduksi oleh Yatim Mandiri Ponorogo melalui program pemberdayaan ekonomi. Dalam memproduksi kopi ndusun tersebut, Lembaga melibatkan para ibu-ibu janda yang memiliki kondisi ekonomi yang kurang untuk diberdayakan, sehingga nantinya akan meningkatkan perekonomiannya. Keberhasilan dalam UMKM yang dijalankan ini dapat memberikan kesempatan bagi mereka untuk menambah pendapatan bunda yatim dan lebih produktif sehingga mereka dapat memenuhi kebutuhan sehari-hari. Oleh karena itu proses pemasaran menjadi sangat penting dilakukan karena agar mereka dapat meningkatkan pengetahuan dan kemampuannya. Dalam mencapai keberhasilan proses pemasaran ini dapat dilakukan dengan menggunakan teori bauran pemasaran 4P yaitu: produk (product), harga (prace), tempat (place), dan promosi (promotion). Jenis penelitian yang digunakan peneliti adalah penelitian lapangan (field research) dengan menggunakan pendekatan deskriptif kualitatif dengan teknik pengumpulan data yang digunakan peneliti adalah wawancara, observasi, dan dokumentasi. Setelah data diperoleh, dianalisa dengan menggunakan metode reduksi data. Dalam program pemberdayaan ini mereka (bunda yatim) memperoleh hasil yang cukup karena dilihat dari hasil penjualan kopi ini dibagi dengan ibu Else dan mereka mendapatkan hasil sesuai kehadiran mereka dalam memproduksinya dan dampaknya yaitu sebelum adanya program bunda bisa ini mereka hanya memiliki satu jenis pekerjaan dan setelah mengikuti program bunda bisa mereka memiliki dua pekerjaan dan mendapatkan tambahan pendapatan yang nantinya akan digunakan untuk kebutuhan sehari-hari.
Evaluating the Effect of Mudharabah and Murabahah Financing on Return on Assets Mediated by Non-Performing Financing at BMT Hasanah Ponorogo Febriana, Indri; Ulya, Husna Ni’matul
Etihad: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2024)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v4i1.9458

Abstract

Introduction: This study explores how mudharabah and murabahah financing affect Return on Asset (ROA) and the role of Non-Performing Financing (NPF) as an intervening variable at BMT Hasanah Ponorogo. Research Methods: This study employs regression analysis with NPF as an intervening variable. The data analyzed are the quarterly financial reports of BMT Hasanah Ponorogo from 2019 to 2023, focusing on the relationships between mudharabah financing, murabahah financing, ROA, and NPF. Results: The analysis reveals that mudharabah and murabahah financing significantly impact ROA directly and through NPF as an intervening variable. An increase in financing can enhance ROA, with NPF mediating the relationship between financing and ROA. Conclusion: This study finds that mudharabah and murabahah financing affect ROA, with NPF as an intervening variable. Effective risk management in financing is crucial for improving ROA at BMT Hasanah Ponorogo.
Alternatif Strategi Penanganan Dampak Ekonomi Covid-19 Pemerintah Daerah Jawa Timur Pada Kawasan Agropolitan Ulya, Husna Ni’matul
El Barka Vol. 3 No. 1 (2020)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v3i1.2018

Abstract

Abstract: The COVID-19 pandemic had a significant impact on the order of life of the world community, including in Indonesia. Besides health impacts, the pandemic also has economic impacts, so that it encourages the government to make various policies to overcome these impacts, including by forming task forces both at the central and regional levels. Policy by optimizing state and regional budgets for the needs of preventing the spread and handling of COVID-19 health impacts and optimizing the potential of the local economy for meeting the needs of the community in a sustainable manner. East Java is a superior area in agriculture which includes animal husbandry, fisheries, plantations, and forestry. One of the programs implemented is the development of agropolitan areas which are agricultural-based economic development in agribusiness areas, designed and implemented by synergizing the various potentials that exist to encourage the development of competitive, populist-based, sustainable and decentralized agribusiness business systems. and facilitated by the government. This study uses a literature study approach with the aim of exploring alternative East Java government policies in order to address the economic impact of COVID-19 by maximizing the agropolitan area. The results of the research resulted in the formulation by maximizing the development of the agropolitan area by strengthening regulations and expanding the agropolitan area to other regions / cities, and utilizing online media in the implementation including the marketing system of products from this agropolitan area even though it was in a pandemic.Abstrak: Pandemi COVID-19 memberikan dampak yang signifikan terhadap tatanan kehidupan masyarakat dunia termasuk di Indonesia. Selaian dampak kesehatan, pandemi juga memberikan dampak ekonomi, sehingga medorong pemerintah untuk membuat berbagai kebijakan untuk menanggulangi dampak tersebut, diantaranya adalah dengan membentuk satuan tugas baik di pusat maupun daerah.  Kebijakan dengan mengoptimalkan anggaran negara dan daerah untuk kebutuhan pencegahan penyebaran dan penanganan dampak kesehatan COVID-19 dan optimalisasi potensi ekonomi lokal untuk pemenuhan kebutuhan masyarakat secara berkelanjutan.  Jawa timur merupakan daerah yang unggul di bidang pertanian yang meliputi peternakan, perikanan, perkebunan, dan kehutanan. Salah satu program yang dijalankan adalah pengembangan kawasan agropolitan yang merupakan pembangunan ekonomi berbasis pertanian di kawasan agribisnis, dirancang dan dilaksanakan dengan cara mensinergikan berbagai potensi yang ada untuk mendorong berkembangnya sistem usaha agribisnis yang berdaya saing, berbasis kerakyatan, berkelanjutan dan terdesentralisasi, serta digerakan oleh masyarakat dan difasilitasi pemerintah. Penelitian ini menggunakan pendekatan studi literatur dengan tujuan untuk menggali alternatif kebijakan pemerintah Jawa Timur dalam rangka menangani dampak ekonomi COVID-19 dengan memaksimalkan kawasan agropolitan. Hasil Penelitian menghasilkan fomulasi dengan memaksimalkan pengembangan kawasan agropolitan dengan penguatan regulasi serta perluasan kawasan agropolitan ke wilayah/kota lain, dan memanfaatkan media online di dalam pelaksanaan termasuk sistem pemasaran produk dari kawasan agropolitan ini meskipun sedang dalam masa pandemi.
INCREASING LITERACY OF ISLAMIC PRODUCTS IN THE BEKARE COMMUNITY: PENINGKATAN LITERASI PRODUK KEUANGAN SYARIAH PADA MASYARAKAT BEKARE Romadhoni, Cindy Fatika; Sa’adah, Cindy Kaela; Fitriah, Ika; Ulya, Husna Ni’matul
Khidmatuna: Jurnal Pengabdian Masyarakat Vol. 3 No. 1 (2024): Juni
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat STAI Al Fithrah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/khidmatuna.v3i01.478

Abstract

The socialization activity which was carried out with the theme of increasing literacy in Islamic financial products was carried out on July 20, 2023 at the Bekare village hall, Bungkal District. The purpose of this activity is to expand public knowledge about Islamic banking, change people's mindset in managing finances, and introduce sharia-based financing products so that it is hoped that the public can understand, choose and use sharia financial products and services according to their needs. The method of collecting data from activities carried out using descriptive quantitative data using a questionnaire using a Likert Scale approach consisting of S (Agree), KS (Disagree), TS (Disagree) during the pre-test and post-test with 10 questions. From the results of the pre-test data above, it can be concluded that the 22 participants each understood the importance of literacy in Islamic financial products which included question 1 (73%), question 2 (82%), question 3 (95%), question 4 (23 %), question 5 (59%), question 6 (50%), question 7(68%), question 8 (36%), question 9 (86%), and question 10 (77%). From the results of the post-test data above, it can be concluded that the 22 participants each understood the importance of literacy in Islamic financial products which included question 1 (100%), question 2 (100%), question 3 (95%), question 4 (91%), question 5 (95%), question 6 (95%), question 7 (9%), question 8 (86%), question 9 (95%), and question 10 (95%). It can be concluded that this socialization activity using the lecture method and question and answer session has succeeded in significantly increasing participants' understanding of Islamic financial product literacy, although there is still potential to increase understanding in certain aspects.
Pengaruh Promosi, Kemudahan, dan Manfaat Terhadap Keputusan Penggunaan Transfer Shopeepay Mahasiswa FEBI IAIN Ponorogo Wulandari, Felianti Dwi; Ulya, Husna Ni’matul
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 1 (2023): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v8i1.2873

Abstract

One of the most popular types is e-wallet is ShopeePay. ShopeePay is the first and largest digital payments in Indonesia. ShopeePay continues to add to its product innovations, one of the innovations is the transfer feature to various banks. This study aims to determine the effect of promotion, convenience and benefits on the decision to use ShopeePay transfers for FEBI IAIN Ponorogo students. This research is classified as quantitative research. The population in this study were FEBI IAIN Ponorogo students with a sample size of 100 students, who had used the ShopeePay transfer feature. The sampling technique used Cochran using multiple linear regression analysis methods using the SPSS 25 program. The results showed that the influence of promotion, convenience and benefits had a significant effect on the decision to use the ShopeePay transfer for FEBI IAIN Ponorogo students. Then from the test results the coefficient of determination (R2) shows that perceived promotion, perceived convenience and perceived benefits affect interest in use by 45%, the remaining 55% is influenced by other factors / variables outside this research.
Co-Authors AA Sudharmawan, AA Cahyani, Putri Gita Febriana, Indri Fitriah, Ika Mutiara, Dea Nur Eka Nur Mahmudah, Siti NURUL ANNISA Ratna Dewi Setyowati Romadhoni, Cindy Fatika Sari, Nia Dwi Kartika Sa’adah, Cindy Kaela Wulandari, Felianti Dwi