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All Journal Jurnal Ekonomi Jurnal Abdimas Kartika Wijayakusuma Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Journal of International Conference Proceedings
Sakifah, Sakifah
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences Other

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Contribution of Indonesian Sharia Banking to Sustainable Economic Development Until 2023 Sakifah, Sakifah; Masitoh, Noneng
Journal of International Conference Proceedings Vol 6, No 6 (2023): 2023 WIMAYA Yogyakarta Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i6.2701

Abstract

Sharia banking as one of the pillars of the country's economy has an important role in realizing sustainable economic development. This article aims to present empirical facts about the contribution of Indonesian sharia banking in realizing a sustainable economy through data collected from various sources, academic references and facts in the field obtained from direct observation. News records published by trusted institutions, company activity reports and financial reports are considered important sources in this research. The method used in preparing this article is descriptive qualitative with secondary and primary data from various relevant sources. The research results show that the important role of sharia banking in Indonesia is not only contained in government regulations, the central bank, the financial services authority, agreements and policy directions on paper but has become a real action in the context of realizing a developed Indonesia in 2045. Improvement and development of programs It is also discussed so that it can become a reference for achieving sustainable economic goals in harmony with current digital technology.
Contribution of Indonesian Sharia Banking to Sustainable Economic Development Until 2023 Sakifah, Sakifah; Masitoh, Noneng
Journal of International Conference Proceedings Vol 6, No 6 (2023): 2023 WIMAYA Yogyakarta Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i6.2701

Abstract

Sharia banking as one of the pillars of the country's economy has an important role in realizing sustainable economic development. This article aims to present empirical facts about the contribution of Indonesian sharia banking in realizing a sustainable economy through data collected from various sources, academic references and facts in the field obtained from direct observation. News records published by trusted institutions, company activity reports and financial reports are considered important sources in this research. The method used in preparing this article is descriptive qualitative with secondary and primary data from various relevant sources. The research results show that the important role of sharia banking in Indonesia is not only contained in government regulations, the central bank, the financial services authority, agreements and policy directions on paper but has become a real action in the context of realizing a developed Indonesia in 2045. Improvement and development of programs It is also discussed so that it can become a reference for achieving sustainable economic goals in harmony with current digital technology.
TELAAH KRITIS COMMODITY MURABAHAH PRODUCT SEBAGAI INSTRUMEN MANAJEMEN LIKUIDITAS LEMBAGA KEUANGAN SYARIAH Sakifah, Sakifah
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 4 No. 2 (2024)
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v4i2.7441

Abstract

Penelitian ini bertujuan menganalisis mekanisme transaksi commodity murabahah dalam hal kesesuaiannya dengan prinsip syari’ah dan praktiknya untuk memenuhi kebutuhan likuiditas lembaga keuangan syariah. Untuk itu digunakan fatwa DSN mengenai murabahah, fatwa DSN mengenai perdagangan komoditas, fatwa SAC Malaysia dan hasil keputusan Islamic Fiqh Academy 2009 sebagai alat analisis. Metodologi penelitian deskriptif verifikatif digunakan untuk memberikan gambaran secara umum tentang Commodity Murabahah Product kemudian memberikan penilaian dengan argumen-argumen untuk menyimpulkan status hukumnya menurut prinsip-prinsip syariah. Dengan demikian diharapkan penelitian ini dapat mengevaluasi syari’ah compliant transaksi Commodity Murabahah Product sebagai instrumen manajemen likuiditas. Transaksi tawarruq yang banyak diaplikasikan lembaga keuangan islam saat ini termasuk dalam jenis tawarruq munazzam dan tawarruq ‘aksi yang haram menurut OIC Fiqh Academy. Teknik deskriptif verifikatif yang digunakan dalam penelitian ini diharapkan mampu mengurai secara lebih detail mengenai transaksi commodity murabahah dan berbagai hal terkait
Factors Affecting The Use Of BNI Mobile Banking In Tasikmalaya Nugraha, Cindera Syaiful; Sakifah, Sakifah; Subrata, Ali
Jurnal Ekonomi Vol. 13 No. 04 (2024): Edition October -December 2024
Publisher : SEAN Institute

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

Abstract

M-banking is an electronic banking service that benefits not only customers but also the providing bank. The purpose of this research is to identify and analyze the factors influencing the use of BNI M-Banking by customers of BNI Bank, Tasikmalaya Branch. These factors are categorized into customer characteristics (gender, age, occupation, education) and perception factors (ease of use, usefulness, convenience, availability of features). This research employs a quantitative approach with an explanatory method. Data collection is conducted through questionnaires and literature studies. To determine the influence of customer characteristics on the use of BNI Mobile Banking, the Chi-square test technique is used. Multiple linear regression analysis is used to determine the influence of customer perception factors. The results show that ease of use, usefulness, and availability of features have a significant positive influence on user interest, whereas convenience does not significantly affect user interest.
Pendidikan Literasi dan Inklusi Keuangan Untuk Mewujudkan Masyarakat Berdaya Saing Masitoh, Noneng; Wursan, Wursan; Badriatin, Tine; Rosyadi, Agi; Rahmani, Dede Arif Arif; Sakifah, Sakifah
Jurnal Abdimas Kartika Wijayakusuma Vol 5 No 1 (2024): Jurnal Abdimas Kartika Wijayakusuma
Publisher : LPPM Universitas Jenderal Achmad Yani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26874/jakw.v5i1.345

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan memberikan pendidikan literasi dan inklusi keuangan di Desa Putrapinggan Kecamatan Kalipucang Kabupaten Pangandaran. Selama ini umumnya masyarakat daerah tersebut masih mengelola uang dengan cara sederhana, mengetahui fungsi bank terbatas sebagai tempat menyimpan dan mengajukan pinjaman baik untuk kebutuhan yang bersifat konsumtif maupun modal usaha. Melalui kegiatan pengabdian kepada masyarakat ini, masyarakat menerima pelatihan pengelolaan keuangan yang baik, dengan cara memisahkan pencatatan keuangan usaha dan kebutuhan pribadi. Masyarakat yang sebagian juga pelaku UMKM mulai mengenal pasar modal sebagai alternatif investasi selain properti, emas, atau hewan ternak dan hasil kebun. Metode yang digunakan dalam kegiatan ini adalah Participatory Action Research (PAR) melalui presentasi dan interaksi langsung dengan melibatkan narasumber perwakilan dari OJK dan Bursa Efek Indonesia Wilayah Jawa Barat. Hasilnya, masyarakat mulai mengenal berbagai macam produk perbankan dan pasar modal, mengenal lembaga keuangan yang legal dan ilegal serta memahami bahaya penipuan atau kejahatan keuangan yang semakin marak terjadi sehingga tahu bagaimana cara mencegahnya.
Co-Authors Badriatin, Tine Deny Hidayat Masitoh, Noneng Nugraha, Cindera Syaiful Rahmani, Dede Arif Arif Rosyadi, Agi Subrata, Ali Wursan, Wursan