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All Journal Investama : Jurnal Ekonomi dan Bisnis Commodity : Jurnal Perbankan dan Keuangan Islam ABDIANDAYA : Jurnal Pengabdian dan Pemberdayaan Masyarakat
Prastika, Rima
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Religion Agriculture, Biological Sciences & Forestry Humanities Economics, Econometrics & Finance Education Library & Information Science Mathematics Social Sciences Other

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TINJAUAN HISTORIS PERKEMBANGAN SISTEM PERBANKAN SYARIAH DI INDONESIA rahayu, eka; Prastika, Rima; Sanawati, Ciptia Khoirulina
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 2 No. 2 (2023): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v2i2.1176

Abstract

Sharia banks were developed based on the desire to provide financial transaction services that are in line with moral values ​​and principles of Islamic law amidst the proliferation of conventional banks which are synonymous with usury, maisir and gharar. The initial presence of sharia banking is expected to be the main solution for financial facilities and poverty alleviation without compromising sharia principles. The sharia banking system continues to develop, especially in Indonesia, although it seems to be slower than other countries. The idea of ​​sharia banking began to emerge in 1990 with the implementation of a workshop by the MUI (Indonesian Ulema Council). Subsequently, it was legalized in 1992 with the issuance of Law No. 7 of 1992 which was then deregulated in 1998 with explicit provisions regarding the permissibility of the dual banking system. The full existence of sharia banking was recognized after the passing of Law no. 21 of 2008 concerning sharia banking which specifically regulates institutions and business activities and the codification of banking products. Based on the OJK (Financial Services Authority) report in quantity, sharia banking has increased with the number of banks consisting of 13 BUS, 21 UUS and 166 BPRS. Sharia banking has also experienced a downward trend in its development. This is because the operational system of Islamic banks still adopts the conventional banking system with the characteristics of still prioritizing profit orientation and still referring to interest rates. The development of sharia banks must also be supported by competent and professional HR (human resources), commitment to 100% implementation of sharia principles, and also responsive marketing that is able to grow public trust in sharia banks.
UPAYA MENINGKATKAN MINAT NASABAH PADA PRODUK IB HIJRAH WADIAH DI BANK MUAMALAT INDONESIA (BMI) KANTOR CABANG PEMBANTU (KCP) MADIUN Prastika, Rima
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 4 No. 1 (2025): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v4i1.2309

Abstract

The development of banks today has undergone many changes, every bank is faced with problems regarding marketing, therefore the bank must be able to formulate the right marketing strategy, the bank needs to know its competitors. The Bank must continue to compare its products, prices, and promotions with those of its competitors, in this way the Bank will be able to find existing shortcomings or advantages. The purpose of this research is to find out to find out what strategies the bank has done to increase interest in becoming a customer of Hajj iB Savings Products at Bank Muamalat Indonesi KCP Madiun. And the second is to find out the implications of IB Hijrah Wadiah savings products at Bank Muamalat Indonesia (BMI) Madiun Sub-Branch Office (KCP) on customer interest. This research includes field research (Field research), while the nature of this research is descriptive qualitative This research uses interview data collection techniques and documentation Interviews were conducted with Bank Muamalat Indonesia KCP Madiun and Bank Muamlat Indonesia KCP Madiun customers. Then for the data source used by researchers is to check the data validity technique. The results showed that 1) The strategy to increase interest in becoming a customer of iB Hijrah Wadiah Savings Products is by socializing and making comparisons with other banks. That way the bank will know the advantages and disadvantages so that it can be input and improve what needs to be improved. 2) Factors that influence public interest in Hajj iB hijrah savings products at Bank Muamalat Indonesia KCP Madiun are internal factors and external factors. The factors that most influence customer interest are cultural factors in terms of religion, social factors in terms of reference groups, family, and social roles, personal factors in terms of age and economic conditions, psychological factors of motivation and services provided by Bank Muamalat KCP Madiun. The internal constraints found at BMI KCP Madiun are limited branch offices and lack of human
INOVASI PELATIHAN PEMBUATAN VCO UNTUK MENINGKATKAN PENGHASILAN MASYARAKAT DI KELURAHAN MANGGE Prastika, Rima; Ni’am, Abu; Rochima, Balgis Wahyu Widat; Hidayatun, Dwi; Janah, Ika Fakihatun; Nugrahini, Latri; Anwar, Khoirul; Zakaria, Muhammad Aziz; Hasbulloh, Muhammad Ngarif; Ambarsari, Nurul Aini Dwi; Saifulloh, Rotib; Rahayu, Siti; Maryatun, Sri; Halimatussa’diyah, Ummi
Abdimas IAI Ngawi Vol 1 No 2 (2023): ABDIANDAYA: Jurnal Pengabdian dan Pemberdayaan Masyarakat
Publisher : LP2M Institut Agama Islam Ngawi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/abdiandaya.v1i2.1014

Abstract

 Virgin Coconut Oil (VCO) ialah minyak kelapa murni yang diperoleh dari buahkelapa tua yang diolah secara fermentasi. Ada banyak manfaat dari minyak VCOdiantaranya yaitu untuk kesehatan tubuh yang menjadi acuan banyak orang untuk polahidup sehat. Tujuan dari penelitian ini untuk memberikan edukasi dan pelatihan kepadamasyarakat mengenai bagaimana proses pengolahan kelapa hingga menjadi minyak yangsehat tanpa bahan pengawet. Metode yang digunakan adalah presentasi materi danpraktek pembuatan VCO bersama masyarakat khususnya ibu PKK dan kelompok senamlansia. Pelaksanaan kegiatan ini sangat mendapat respon positif dan apresiasi baik daripeserta maupun perangkat kelurahan. Melalui pelaksanaan pelatihan ini memperolehhasil kegiatan yaitu, dimana dalam kegiatan membuat produk minyak kelapa ini dapatmembantu meningkatkan penghasilan masyarakat yang ada di Kelurahan Mangge,dengan diadakannya pelatihan pengelolahan kelapa ini diharapkan masyarakat bisamemahami apa saja manfaat dari suatu limbah buah kelapa yang bisa diolah menjadisuatu produk yang berguna bagi kebutuhan hidup Masyarakat.
IMPLEMENTASI PRINSIP JI’ALAH PADA BISNIS AFFILIATE SHOPEE Prastika, Rima
Investama : Jurnal Ekonomi dan Bisnis Vol 11 No 2 (2025): Investama : Jurnal Ekonomi dan Bisnis
Publisher : Investama : Jurnal Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/investama.v11i2.2483

Abstract

This research explores the suitability of Shopee Affiliate business practices with the principles of ji’alah contracts in the context of Islamic economics. A ji’alah contract is an agreement that provides rewards for services without the burden of task completion, which relates to a results-based affiliate marketing system. This research uses qualitative methods with case studies of Shopee Affiliate practitioners in Mujing Village. Information was collected through in-depth interviews and literature analysis concerning Islamic law. The findings of the research indicate that generally, the Shopee Affiliate practices meet the elements of the ji’alah contract, including clarity regarding the parties involved in the contract (Shopee as the jā’il and the affiliate as the mujta’il), details of the promotion tasks, and provisions regarding commission rewards. However, there is uncertainty (gharar) related to commission payments that depend on consumer actions, which slightly deviates from the traditional concept of ji’alah. This research concludes that this business model can be accepted within the framework of sharia with the note that transparency and fairness must be fulfilled. The implication is that education for business actors is needed, as well as strengthening regulations to ensure full alignment with the principles of Islamic economics.
PERANAN PEMBIAYAAN BSI KUR MIKRO DALAM PENINGKATAN KESEJAHTERAAN UMKM (STUDI KASUS BSI KCP NGAWI SUDIRMAN 1) Prastika, Rima; Putri, Rizky Selvia
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 4 No. 2 (2025): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v4i2.2607

Abstract

The Micro, Small, and Medium Enterprises (MSME) sector plays a vital role in Indonesia’s economy but often faces major challenges, particularly limited business capital and access to affordable financing. In this context, Bank Syariah Indonesia (BSI), through its Sharia People's Business Credit (KUR) product—specifically BSI KUR Mikro—serves as a financing solution for MSME actors. This study aims to determine the role of BSI KUR Mikro financing in improving the welfare of MSMEs (A Study at Bank Syariah Indonesia KCP Ngawi Sudirman 1).The subjects of this research are employees in the financing department and BSI KUR Mikro financing customers at Bank Syariah Indonesia KCP Ngawi Sudirman 1, while the object of the research is the role of BSI KUR Mikro financing in improving the welfare of MSMEs at the same branch. This research is a qualitative case study using data collection techniques such as observation, interviews, and documentation conducted at Bank Syariah Indonesia KCP Ngawi Sudirman 1 to obtain relevant information.The results show that Bank Syariah Indonesia KCP Ngawi Sudirman 1 plays an important role in improving MSME welfare by providing business capital assistance to its customers. In addition, the bank also provides advice and recommendations for customers’ businesses. Bank Syariah Indonesia also carries out supervision to ensure that the financing aligns with the customers’ objectives. This has contributed to BSI’s success in improving the welfare of MSMEs, as indicated by the increase in customers’ income after receiving BSI KUR Mikro financing.
Co-Authors Ambarsari, Nurul Aini Dwi Ciptia Khoirulina Sanawati EKA RAHAYU Halimatussa’diyah, Ummi Hasbulloh, Muhammad Ngarif Hidayatun, Dwi Janah, Ika Fakihatun Khoirul Anwar Ni’am, Abu Nugrahini, Latri Putri, Rizky Selvia Rochima, Balgis Wahyu Widat Saifulloh, Rotib Siti Rahayu Sri Maryatun Zakaria, Muhammad Aziz