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All Journal Adl Islamic Economic Jurnal Bisnis dan Manajemen (JURBISMAN) Al-Iqtishad: Jurnal Ekonomi Syariah
Itsnaini Chusnul Khotimah
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Pengaruh Indeks Saham Syariah (ISSI) Terhadap Pertumbuhan Ekonomi di Indonesia Itsnaini Chusnul Khotimah; Hairun Nisa; Darsi Ahmadan; Hidayani
ADL ISLAMIC ECONOMIC : Jurnal Kajian Ekonomi Islam Vol 5 No 2 (2024): Adl Islamic Economic: Jurnal Kajian Ekonomi Islam
Publisher : Sekolah Tinggi Ekonomi Islam Al-Furqon Prabumulih

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56644/adl.v5i2.125

Abstract

This study aims to analyze the effect of the Indonesia Sharia Stock Index (ISSI) on economic growth in Indonesia. The data used in this study are annual data from 2021 to 2023, obtained from the Indonesia Stock Exchange, the Central Statistics Agency (BPS), and the Financial Services Authority (OJK) of Indonesia. The analysis method used is simple linear regression with the help of EViews software. The dependent variable in this study is economic growth (GDP), while the independent variable is the Indonesian Sharia Stock Index (ISSI). The results showed that the Indonesian Sharia Stock Index (ISSI) had a significant and negative effect on economic growth, with the ISSI coefficient: -7.4401, which indicates a negative relationship between the Islamic Stock Index (ISSI) and economic growth in Indonesia. For every unit increase in ISSI, economic growth in Indonesia is estimated to decrease by 7.4401, assuming other variables are constant.
PENGARUH PERANAN DAN KONTRIBUSI KREDIT USAHA RAKYAT (KUR) BANK SUMSEL BABEL TERHADAP PERKEMBANGAN USAHA MIKRO KECIL DAN MENENGAH DI TANJUNG RAJA Sonia Oktari; Itsnaini Chusnul Khotimah
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 4 No. 2 (2023): Januari-Juni 2023
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v4i2.328

Abstract

Penelitian ini bertujuan untuk mengetahui peranan dan kontribusi KUR Bank Sumsel Babel terhadap perkembangan UMKM di Tanjung Raja. Penelitian ini menggunakan metode kuantitatif dan jenis penelitian ini adalah penelitian lapangan. Adapun objek penelitiannya adalah pelaku UMKM yang ada di Kawasan pasar tanjung raja yang ada di Bank Sumsel Babel. Hasil penelitian yang diolah dengan program SPSS menunjukkan bahwa nilai Adjusted R Square sebesar 0,677 atau 67,7% perkembangan UMKM di Tanjung Raja dipengaruhi oleh peranan dan kontribusi KUR Bank Sumsel Babel. Edangkan sisanya sebesar 33% dipengaruhi oleh variabel lain. Hasil uji simultan (Uji F) menunjukkan nilai signifikan 0,000 < 0,05 artinya peranan (X1), dan kontribusi (X2) secara simultan berpengaruh positif dan signifikan terhadap perkembangan usaha mikro, kecil dan menengah di Tanjung Raja (Y). Hasil uji parsial (Uji T) menunjukkan bahwa nilai signifikan peranan (X1) 0,000 > 0,05 artinya peranan kredit usaha rakyat (KUR) Bank Sumsel Babel berpengaruh secara positif dan signifikan terhadap perkembangan usaha mikro, kecil dan menengah di Tanjung Raja (Y) dan nilai signifikan kontribusi (X2) 0,000 > 0,05 artinya kontribusi kredit usaha rakyat (KUR) Bank Sumsel Babel berpengaruh secara positif dan signifikan terhadap perkembangan usaha mikro, kecil dan menengah di Tanjung Raja (Y).
PENGARUH PENGETAHUAN TENTANG APLIKASI TEKNOLOGI PERBANKAN SYARIAH TERHADAP MINAT MENABUNG DI BANK SYARIAH (STUDI KASUS MAHASISWA PBS IAIQI) Andi Ferdyan Paradisa; Itsnaini Chusnul Khotimah
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 5 No. 01 (2023): Juli-Desember 2023
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v5i01.624

Abstract

Minat menabung di Aplikasi Perbankan Syariah adalah suatu keinginan yang muncul dari diri sendiri secara sadar tanpa adanya tekanan untuk menyimpan uang di aplikasi perbankan yang menjalankan kegiatan usahanya berdasarkan prinsip syariah. Mahasiswa Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Al-Qur’an AlIttifaqiah Indralaya yang memiliki pemahaman mengenai ilmu perbankan syariah, namun masih sedikit yang menggunakan aplikasi perbankan Syariah sebagai tempat menyimpan uang dan bertransaksi. Tujuan penelitian ini adalah untuk menganalisa mengenai apa saja yang mempengaruhi tentang aplikasi teknologi perbankan syariah terhadap minat menabung di bank syariah yang mempengaruhi tentang aplikasi teknologi perbankan syariah terhadap minat menabung di bank syariah. Penelitian ini menggunakan penelitian Analisis deskriptif dan Metode Kuantitatif dengan objek penelitian ialah mahasiswa Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Al-Qur’an AlIttifaqiah Indralaya Angkatan Tahun 2019-2023 dengan jumlah populasi 78 mahasiswa dan sampel 78 mahasiswa. Teknik pengumpulan data menggunakan kuesioner. Analisis data yang digunakan adalah analisis regresi linier berganda dengan menggunakan software SPSS versi 22. Hasil penelitian ini menunjukkan bahwa: pengetahuan berpengaruh positif dan signifikan terhadap minat menabung.
ANALISIS PEMBIAYAAN DALAM MENINGKATKAN KESEJAHTERAAN NASABAH PADA PNM MEKAAR SYARIAH CABANG GELUMBANG KABUPATEN MUARA ENIM Ariska Mufaridhoh; Itsnaini Chusnul Khotimah; Darsi Ahmadan
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 5 No. 02 (2024): Januari-Juni 2024
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v5i02.806

Abstract

This research was conducted to determine the financing in improving customer welfare at PNM Mekaar Syariah Gelumbang Branch Muara Enim Regency. The purpose of this research is to understand the effectiveness of financing in helping customers improve their welfare at PNM Mekaar Syariah Gelumbang Branch Muara Enim Regency. This research uses a qualitative approach that is a type of field research or field research, because the information obtained and collected through direct observation in the field and through literature review. The types of data used in this study are primary data and secondary data, while the data sources in this study were obtained from direct observation and interviews with customers. Data analysis techniques are done by data reduction, data presentation and making conclusions. The results of this study indicate that customer income increased after taking financing at PNM Mekaar Syariah Gelumbang Branch, because PNM provides various services that help customers develop their businesses. The expenses of customers who take financing at PNM have been fulfilled, including food and non-food expensess. Financing from PNM Mekaar Syariah Gelumbang Branch has not been able to fully improve the level of family education, because one customer has not met the educational needs of one of her children.The customer’s family health level has been fulfilled through financing at PNM Mekaar Syariah Gelumbang Branch, this can be seen from a healthy lifestyle, regular chek-ups and buying health products. PNM has also improved the welfare of financing customers in housing conditions and facilities owned in the household, this is supported by the results of interviews with financing customers.
PENGARUH MODAL DAN EFISIENSI OPERASIONAL TERHADAP PROFITABILITAS BANK SYARIAH DI INDONESIA Yahdillah; Itsnaini Chusnul Khotimah; Hairunnisa
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 6 No. 01 (2024): Juli-Desember 2024
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v6i02.877

Abstract

This study aims to analyze the effect of capital and operational efficiency on the profitability of Islamic banks in Indonesia. The data used in this study are secondary data obtained from Sharia Banking Statistics (SPS) at the Financial Services Authority (OJK) during the period 2020-2023. The research method used is quantitative research with multiple linear regression analysis. The results of the analysis show that capital has a significant effect which is worth 0.0050 <0.05, so Ha is accepted and operational efficiency has a significant effect worth 0.0076 <0.05, so Ha is accepted. Simultaneously CAR and BOPO affect ROA with a significant value of 0.000 <0.05. The implication of this research is the importance of increasing capital as one of the factors that can increase the profitability of Islamic banks in Indonesia.
Pengaruh Non Performing Financing (NPF) Terhadap Net Operating Income (NOI) Pada Bank Umum Syariah Di Indonesia Hairun Nisa; Itsnaini Chusnul Khotimah; Hidayani; Darsi Ahmadan
ADL ISLAMIC ECONOMIC : Jurnal Kajian Ekonomi Islam Vol 6 No 1 (2025): Adl Islamic Economic
Publisher : Sekolah Tinggi Ekonomi Islam Al-Furqon Prabumulih

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56644/adl.v6i1.139

Abstract

Penelitian ini bertujuan untuk mengukur bagaimana pengaruh Non Performing Financing (NPF) terhadap Net Operating Income (NOI) pada Bank Umum Syariah di Indonesia. Penelitian ini menggunakan metode penelitian kuantitatif dengan pendekatan asosiatif. Teknik pengambilan data menggunakan dokumentasi yang bersumber dari data sekunder berupa berupa laporan kinerja keuangan bank umum syariah Indonesia. Jenis data yang digunakan ialah time series berupa data bulanan tahun 2023 hingga tahun 2025. Adapun teknik pengolahan data menggunakan software Eviews dilakukan dengan teknik analisis deskriptif dan analisis regresi sederhana. Berdasarkan hasil analisis regresi yang dilakukan, dapat disimpulkan bahwa Non-Performing Financing (NPF) berpengaruh signifikan terhadap Net Operating Income (NOI) pada bank syariah. Hal ini dibuktikan melalui nilai probabilitas yang sangat kecil (0,0001), menunjukkan bahwa secara statistik, NPF memiliki hubungan yang poditif terhadap pendapatan operasional bersih.
Effectiveness of Business Communication in Improving Organizational Productivity in The Digital Era Angga Aldi Saputra; Apriyanti, Apriyanti; Darsi Ahmada; Itsnaini Chusnul Khotimah
Jurnal Bisnis dan Manajemen (JURBISMAN) Vol. 3 No. 1 (2025): Jurnal Bisnis dan Manajemen (JURBISMAN)
Publisher : Penerbit dan Percetakan CV. Picmotiv

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61930/jurbisman.v3i1.1036

Abstract

Business communication plays a central role in supporting organizational productivity, especially in today’s fast-paced and competitive digital era. This study aims to analyze how effective business communication influences organizational productivity, with a focus on the role of digital technology, internal communication, and adaptive communication strategies. The method used is a literature review with a descriptive qualitative approach. The results show that effective communication, supported by digital technology, enhances collaboration, transparency, and faster decision-making, which ultimately has a positive impact on work productivity. Recommendations are offered for organizations to foster a culture of open communication and invest in training for digital communication skills.
PENGARUH DANA PIHAK KETIGA TERHADAP PROFITABILITAS PADA BANK SYARIAH INDONESIA PERIODE 2021-2024 Kamrul, Rosida; Itsnaini Chusnul Khotimah
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 6 No. 02 (2025): Januari-Juni 2025
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v6i2.1132

Abstract

This study was conducted to determine the effect of third-party funds in the form of savings, deposits and current accounts on profitability at Bank Syariah Indonesia for the period 2021-2024. This study aims to understand the role of third-party funds (TPF) in influencing the level of profitability at Bank Syariah Indonesia. Through this study, it is expected to be analyzed to what extent funds collected from the public - both in the form of savings, current accounts, and deposits - contribute to the bank's ability to generate profits sustainably. This type of research uses quantitative research. The data source in this study is secondary data, namely the financial statements of Bank Syariah Indonesia which are uploaded on the official website of Bank Syariah Indonesia for the period 2021-2024, with the data collection technique being documentation. While the data analysis method is carried out using a simple linear regression model. The results of this study indicate that Third Party Funds have an effect on Profitability based on a simple linear regression analysis test with a t-statistic value of 2.338784 with a Probability value (significant) of 0.0264 (<0.05) so that the DPK variable has an effect on the Profitability variable. The DPK variable has a t-count value greater than the t-table. So that DPK has a partial effect on profitability at Bank Syariah Indonesia.
DIGITALISASI PERKEMBANGAN WAKAF DI KALANGAN KAUM MILENIAL Ratna; Darsi Ahmadan; Hairun Nisa; Hidayani; Itsnaini Chusnul Khotimah
ADL ISLAMIC ECONOMIC : Jurnal Kajian Ekonomi Islam Vol 4 No 2 (2023): Adl Islamic Economic: Jurnal Kajian Ekonomi Islam
Publisher : Sekolah Tinggi Ekonomi Islam Al-Furqon Prabumulih

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56644/adl.v4i2.75

Abstract

This study aims to examine and analyze the development of waqf through digitalization of waqf automatically opening wider opportunities and better prospects in various fields. It is time for the millennial generation to take a more active role in the development and progress of waqf in Indonesia. It can be said that the millennial generation is the most important key for the development of waqf and the improvement of the Indonesian economy globally. Millennials have special qualities that set them apart from other circles. Millennials are very familiar with the use of communication tools, media and digital technology. His interest in reading is reduced because of his fondness for gadgets as a means of reading. His knowledge of digital media also exceeds his knowledge of books. All these tools because they were born at a time when communication device technology was developing rapidly. In today's digital economy era, computers (PCs) and the Internet are the main technologies used for various daily needs. Waqf funds or assets can be empowered to help provide good sanitation facilities in the community and provide clean water sources. If possible waqf funds can also help the weak live in an alarming stage Keywords: Waqf, Digitalisasi, Digitalisasi of Waqh
Keuangan Syariah dalam Menghadapi Resesi Global Hairun Nisa; Itsnaini Chusnul Khotimah; Hidayani; Darsi Ahmadan
ADL ISLAMIC ECONOMIC : Jurnal Kajian Ekonomi Islam Vol 5 No 1 (2024): Adl Islamic Economic: Jurnal Kajian Ekonomi Islam
Publisher : Sekolah Tinggi Ekonomi Islam Al-Furqon Prabumulih

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56644/adl.v5i1.101

Abstract

This research aims to investigate the development, role, principles and mechanisms of Sharia finance so that they can be applied in facing the global financial crisis. The research used in this research is library research, using a descriptive qualitative approach, namely data obtained from the library and then analyzed descriptively qualitatively. The results of the analysis are that global sharia financial assets have reached US$3.96 trillion in 2021. This figure has increased by 16.76% from the previous year, namely US$3.39 trillion, which indicates that the global sharia financial industry is growing more resiliently in line with the global economic recovery. Sharia economics and finance also contribute to accelerating the momentum of national economic recovery. The role of sharia financing is increasingly important to support economic growth and stability amidst increasing global uncertainty. Sharia Financial Principles are free from maysir, gharar, usury, haram and falsehood. The impacts that would arise if a recession occurs in Indonesia are: the weakening of the rupiah exchange rate, increasing unemployment, decreasing demand for Indonesian exports, weakening people's purchasing power, and increasing interest rates. Sharia finance in facing the global recession is first, increasing the independence of MSMEs in the future, secondly improving new strategies in building relationships between MSMEs and banks. Third, being able to identify the causes of recession by paying attention to financing that can affect banking health. Fourth, banking must pay attention to capital adequacy to overcome the risk of bad credit. Fifth, increase the value of profit sharing so that people are interested in saving. Key Words:Islamic Finance, global recession.
Co-Authors Andi Ferdyan Paradisa Angga Aldi Saputra Apriyanti Apriyanti Ariska Mufaridhoh Darsi Ahmada Darsi Ahmadan Hairun Nisa Hairunnisa Hidayani Kamrul, Rosida Ratna Sonia Oktari Yahdillah