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All Journal Maksimum : Media Akuntansi Universitas Muhammadiyah Semarang JAM : Jurnal Aplikasi Manajemen Journal of Indonesian Economy and Business EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Global Review of Islamic Economics and Business Isti`dal : Jurnal Studi Hukum Islam At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Jurnal Sains Teknologi dan Sistem Informasi Invest Journal of Sharia & Economic Law El-Qish: Journal of Islamic Economics Islamiconomic: Jurnal Ekonomi Islam Jurnal Pengabdian Masyarakat Tjut Nyak Dhien International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Amkop Management Accounting Review (AMAR) MILRev: Metro Islamic Law Review IJMA Bulletin of Islamic Economics Journal of Organizational Analysis and Performance Jurnal Ilmiah Multidisiplin Indonesia
Widayanti, Ipuk
Universitas Tidar
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Framing Information and its Impact on Saving Decision in Conventional and Sharia Banks: Experimental Study of Students of the Faculty of Islamic Economics and Business in Yogyakarta Ipuk Widayanti
Global Review of Islamic Economics and Business Vol 3, No 1 (2015)
Publisher : Faculty of Islamic Economics and Business, State Islamic University Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (518.705 KB) | DOI: 10.14421/grieb.2015.031-02

Abstract

Islamic and Conventional Banks in delivering information of margin in saving product have different ways.  Islamic bank uses “nisbah” while conventional bank uses interest. Both have different words and disclosure but in the nominal calculation of nisbah and interest is same, because Islamic bank uses Profit Equilization Reserve which the function is as allowance, and to simply it, Islamic banking informs that to consumer as Equivalent Rate. By using Attribute Framing and Risky Choice Framing this research aims to test the information frame of nisbah and interest and it influences on saving decision making. Quasi Experiment Model is used with 49 students of Islamic Economic Studies as subject of experimental group and 20 students of other studies except Islamic Economic as subject of control group. Experimental design of this research is between subject 2X2 by using 2 cases and Random Assignment technique. Two Way ANOVA is used as analitical tool. The result of this research is when information of margin is framed in gain domain/positive frame and loss domain/positive frame subject decision in saving is less risky while when information of margin is framed in gain domain/negative frame and loss domain/negative frame subject decision in saving is risk seeking. The largest framing effect is on the certain/probability (gain domain/positive frame) and the smallest effect is on uncertain/presentation (loss domain/negative frame).
The Kano Model: How the Pandemic Influences Customer Satisfaction with Digital Wallet Services in Indonesia Vanesa Hana Budiarani; Rahmat Maulidan; Diki Putra Setianto; Ipuk Widayanti
Journal of Indonesian Economy and Business (JIEB) Vol 36, No 1 (2021): January
Publisher : Faculty of Economics and Business, Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22146/jieb.59879

Abstract

Introduction/Main Objectives: This study aims to evaluate the effectiveness of digital wallets service qualities using Kano Model. Understanding customer needs and satisfaction is crucial in developing products. Background Problems: In the “new normal” era, payment method is predicted to shift to digital wallets. For quality improvement, digital wallet companies should understand customer needs and satisfaction. This study used the Kano model to analyze customer needs and satisfaction in OVO and ShopeePay, two digital wallets widely used for online shopping transactions during COVID19. Novelty: Although studies into the Kano model implementation towards e-commerce exist, there are no specific studies on the model implementation concerning digital wallet payments amid COVID-19. The Kano model is significant in understanding which software products generate high customer satisfaction, which will give a greater influence, as well as necessary attributes for the customers. Research Methods: This study employed the Kano model as one of the most relevant method to measure customer satisfaction by measured of each attribute’s quality. Finding/Results: Most features of OVO and ShopeePay are categorized into the “must be” and “one dimensional” category. The satisfaction map results indicate that most items placed in the “indifferent” quadrant denote the unfulfilled customer expectations. Conclusion: OVO and ShopeePay should improve the items placed in the “indifferent” quadrant first. This study contributes empirically and theoretically by emphasizing the Kano model’s utility for digital wallet services and providing new insights for digital wallet companies and the government on Indonesians’ usage of digital wallets in the “new normal”. 
Peran Pemerintah dalam Optimalisasi Tanah Wakaf Jauhar Faradis; Awis Hardjito; Ipuk Widayanti
Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Vol 12 No 1 (2019): Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam
Publisher : Badan Wakaf Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (390.806 KB) | DOI: 10.47411/al-awqaf.v12i1.9

Abstract

Penggunaan tanah wakaf di Indonesia saat ini hanya digunakan untuk pembangunan masjid, pendidikan dan kebutuhan konsumtif lainnya. Kendala dalam memanfaatkan tanah wakaf di Indonesia adalah kurangnya modal karena kurangnya campur tangan pemerintah. Dengan Skema Ijarah untuk Leased SBSN sebagai sarana untuk mengoptimalkan tanah wakaf, konsep ini melibatkan Pemerintah, Nazhir dan Konsumen di mana kontrak transaksi antara Pemerintah dan Nazhir dilakukan dengan kontrak Ijarah (sewa), serta Kontrak pemerintah dengan Konsumen dalam bentuk kontrak (sewa) ijarah. Studi ini menganalisis kelayakan investasi menggunakan metode analisis penganggaran modal seperti NPV, IRR, dan PI dalam analisis kelayakan modal. kesimpulannya adalah bahwa investasi yang dilakukan layak. Nilai keuntungan yang diperoleh selama 30 tahun sudah ada nilainya, sehingga tidak jauh berbeda dengan 30 tahun ke depan. Bagi Pemerintah/BUMN, manfaat yang diperoleh dalam bentuk keuntungan dari penerbitan sukuk, dapatkan sebagian dari hasil dari proyek hasil, dan bertindak sebagai market maker. Untuk Nazhir dan BWI, mereka akan mendapatkan kompensasi dari hasil proyek dan pendapatan sewa di tanah wakaf. Setelah masa sewa berakhir Nazhir mendapatkan aset yang telah dibangun di atas tanah wakaf. Nazhir dapat menghasilkan aset wakaf lainnya sehingga mereka dapat menghasilkan wakaf baru untuk mensejahterakan masyarakat dan masyarakat luas, akan menuai manfaat ekonomi dan sosial.Kata kunci: wakaf, SBSN, Aset Ijarah yang akan Disewa, modal
Optimization of Management of Islamic Philanthropy Based on Productive Ownership Efforts for Empowering the Economic Independence M. Zidny Nafi' Hasbi; Ipuk Widayanti
ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 13, No 1 (2022)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v13i1.403

Abstract

Islamic philanthropy is a practice of generosity in the Islamic tradition through zakat, infaq, alms, and waqf (ZISWAF). In Islamic history, the practice of waqf has had a socio-economic impact on society. Waqf is one of the Islamic financial instruments that have the potential as an instrument for developing the national economy. Modern Islamic Boarding School Darussalam Gontor waqf institute has the highest structure in determining policy and economic development, namely the waqf institution. Among the boarding school that can be considered successful in managing productive waqf is Boarding School Darussalam Gontor. The purpose of this study is to analyze productive waqf managed by PMDG. The research method uses a qualitative descriptive approach. Data collection techniques include observation, documentation, and deep interviews. Data analysis uses Miles and Huberman's model theory. The findings of this study state that the collected waqf funds are managed properly and professionally so that the distribution of productive waqf can be carried out in a dialogical manner for the development of several business fields in PMDG. The implementation of productive waqf has long-term implications for PMDG, especially in the field of education and teaching. The growing facilities can have a big impact on improving the quality of education which is getting better. Productive waqf funds also contribute to the economy of the surrounding community. It is hoped that the productive waqf management model carried out by PMDG can be a reference for practitioners in managing productive waqf.
Zakah Contribution for Community Economic Development with Analytical Networking Process Method M Zidny Nafi' Hasbi; Ipuk Widayanti
Bulletin of Islamic Economics Vol. 1 No. 1 (2022)
Publisher : Department of Islamic Economics, Faculty of Islamic Economics and Business, Universitas Islam Negeri Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/bie.2022.011-04

Abstract

The purpose of this study is to describe theoretically and applied zakat as an Islamic financial instrument that has one function to alleviate poverty. The function of zakat is in line with the goal of sustainable community economic development which is a form of global commitment in spurring economic growth for the better. This type of research is mixed methods using the Analytical Process Networking approach. The analysis technique of this research used purposive sampling. Objects in the study include zakat management organizations, academics, government, and practitioners. The findings of this study are that the priority of implementing zakat distribution in supporting sustainable community economic development is the social aspect with a rater agreement W=0.36444. Four strategies can achieve sustainable community economic development, namely: 1) Improving the quality and quantity of concern for community social institutions and stakeholders; 2) Improve disaster risk reduction comprehensively and efficiently; 3) Improving the quality of fair law enforcement 4) Increasing job opportunities and concern for community MSMEs.
Zakat As A Stimulus For Creating A Triple Bottom Line In Companies In Indonesia Chaidir Iswanaji; M. Zidny Nafi' Hasbi; Ipuk Widayanti; Silvia Waning Hiyun Puspita Sari
Isti`dal : Jurnal Studi Hukum Islam Vol 10, No 2 (2023): ISLAMIC LAW
Publisher : Faculty of Sharia and Law Universitas Islam Nahdlatul Ulama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/ijshi.v10i2.5688

Abstract

Triple bottom line focuses the company’s activities on three pillars, namely economic, social, and environmental. This study aims to explain the implementation of zakat in Indonesia as a stimulus function for the implementation of the triple bottom line in companies. Departing from the many problems in Indonesia the implementation of zakat in Indonesia has not been maximally carried out by companies based on the potential of existing companies. The method use in the research is qualitative descriptive with a literature study approach. The findings of this study state that the role of zakat as a triple-bottom-line stimulus can be carried out by starting with efforts ton increase profits through maximum zakat targets. Then proceed with the distribution of zakat in the form of productive zakat as the implementation of social awareness and environmental care. In the case, the role of zakat can function as the axis of the company’s  triple bottom line implementation to the fullest.
The Role of DSN-MUI Fatwa in Indonesian Sharia Banking Development Flows in the Industrial Revolution 4.0 Widayanti, Ipuk; Hiyun Puspita Sari, Silvia Waning
El-Qish: Journal of Islamic Economics Vol. 3 No. 1 (2023): El-Qish: Journal of Islamic Economics
Publisher : LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33830/elqish.v3i1.6519.2023

Abstract

The development of Islamic banking in recent years has experienced a very significant increase. This happens because it uses the principles of Sharia (Islamic law) and gets support from the government to accelerate Sharia banking activities. One form of support to improve the development of Islamic banking is the issuance of Law No. 21 of 2008 concerning Islamic Banking. An important authority in the dynamics of Sharia banking regulation is the National Sharia Council-Indonesian Ulema Council (DSN-MUI). This institution is an authoritative source in overseeing the obedience of Sharia banking industry players to comply with Sharia rules. The purpose of this study is to analyze the fatwa issued by the DSN-MUI on the development of Islamic financial institutions (LKS) in Indonesia, especially the Islamic banking sector. This study uses a qualitative method with a literature study approach. Findings: the results of this study conclude that the position of the DSN-MUI fatwa does not yet have a significant role in the development of Islamic bank products and services. This is because the fatwa acts only as a complement to Islamic bank products and services. In addition, the fatwa is a legal requirement for the Islamic banking sector in the context of Sharia compliance. The DSN-MUI fatwa is issued after the products and services have been published, not with a discussion mechanism first.
Does Service Innovation, Reputation Risk, and Word of Mouth Impact Customer Behavior in Choosing Islamic Banking? An Empirical Evidence in Indonesia Widayanti, Ipuk
Invest Journal of Sharia & Economic Law Vol. 3 No. 2 (2023): INVEST - Vol. 3 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v3i2.7092

Abstract

Indonesia is a country with the largest Muslim population in the world. However, since Islamic banks were established in Indonesia in about 20 years, the participation of Muslims in using Islamic banks is relatively low. The purpose of this study is to analyze and find out the impact of service innovation, reputation risk, and word of mouth on customer behavior in choosing Islamic banks as a place for financing, investing, and so on. The research method uses quantitative. with an experimental and survey approach. Probability sampling of 250 questionnaires distributed to customers throughout Indonesia. The research findings show that service innovation and reputation risk have good external validity to the culture of Indonesian society. The most interesting finding is that the word-of-mouth variable greatly increases customer intention and participation in choosing an Islamic bank. Therefore, this research recommends targeting community leaders or opinion leaders to explain Islamic banking to the whole community.
Laporan Akuntabilitas Dan Transparansi Kinerja Instansi Pemerintah (Studi Kasus Kota Temanggung Jawa Tengah Widayanti, Ipuk
IJMA (Indonesian Journal of Management and Accounting) Vol 4, No 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21927/ijma.2023.4(1).1-13

Abstract

This study aims to determine the accountability and transparency reports on the performance of the Temanggung City Government agencies, Central Java. This research method uses qualitative research with a case study approach. Data collection comes from documentation and interview activities. Interviews were explicitly conducted to find out how the performance accountability reports were interpreted by the Regional Work Units (SKPD) in the Temanggung City Government. The results of this study indicate that the Temanggung City Government agency found several employees who did not understand the concept of accountability for performance. In addition, several problems were found in reporting performance and performance achievements, namely limited human resources, especially APIP, both in terms of quantity and quality. The solution that needs to be done is to improve the internal control system at a better level as a guarantee for the internal control system can reduce the number of irregularities
Does Service Innovation, Reputation Risk, and Word of Mouth Impact Customer Behavior in Choosing Islamic Banking? An Empirical Evidence in Indonesia Widayanti, Ipuk
Invest Journal of Sharia & Economic Law Vol. 3 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v3i2.7092

Abstract

Indonesia is a country with the largest Muslim population in the world. However, since Islamic banks were established in Indonesia in about 20 years, the participation of Muslims in using Islamic banks is relatively low. The purpose of this study is to analyze and find out the impact of service innovation, reputation risk, and word of mouth on customer behavior in choosing Islamic banks as a place for financing, investing, and so on. The research method uses quantitative. with an experimental and survey approach. Probability sampling of 250 questionnaires distributed to customers throughout Indonesia. The research findings show that service innovation and reputation risk have good external validity to the culture of Indonesian society. The most interesting finding is that the word-of-mouth variable greatly increases customer intention and participation in choosing an Islamic bank. Therefore, this research recommends targeting community leaders or opinion leaders to explain Islamic banking to the whole community.
Co-Authors 12.520.20.206 Shinta Ratnawati, 12.520.20.206 Abdul Aziz Abdul Aziz Adamu Abubakar Muhammad Aldianti, Raina Dewi Asep Saepullah Ashari Nur, Sofyan Awis Hardjito Axel Giovanni Chaidir Iswanaji Diki Putra Setianto Hanung Eka Atmaja Hiyun Puspita Sari, Silvia Waning Jauhar Faradis Khairul Ikhwan M Zidny Nafi' Hasbi M. Zidny Nafi' Hasbi M. Zidny Nafi' Hasbi Maulidan, Rahmat Mujib, Miftachul Nurhayati Siregar, Nurhayati Nurul Jannah Paska, Yesica Apriliana Puspita Sari, Silvia Waning Hiyun Ridho, Rizky Satrio Tegar Sadewo Silvia Waning Hiyun Puspita Sari Sofyan Ashari Nur Vanesa Hana Budiarani Verawati, Dian Marlina Yesica Apriliana Paska