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Penguatan Ekonomi Pesantren Berbasis Digital: Aspek Manajemen Bisnis, Keuangan dan Permodalan Usnan, Usnan; Rais Sani Muharrami; Asep Maulana Rohimat; Ghegana Ariel Sheda; Ersiana Riandani; Muhamad Umam Maulana
Transformatif : Jurnal Pengabdian Masyarakat Vol. 5 No. 2 (2024)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/tranformatif.v5i2.9777

Abstract

Islamic boarding schools (pesantren) hold significant potential to become centers for economic empowerment based on Islamic values. This article describes the community engagement activities conducted by the FEBI UIN Raden Mas Said Surakarta team at Pondok Pesantren Muhammad Al-Fatih Kartasura. The program aims to strengthen the pesantren's economy through a digital-based approach, focusing on business management, financial management, and access to capital. The community engagement method employed is Participatory Action Research (PAR), involving intensive collaboration between the engagement team, pesantren leaders, and the student community. The results indicate that the pesantren faces challenges in terms of limited production resources, suboptimal marketing strategies, and unstructured financial management. This program provides solutions through entrepreneurial skills training, strengthening digital-based marketing, and technical assistance in basic financial management and access to capital
Bahasa Inggris Fitria Dwi Wulandari; Rais Sani Muharrami
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 1 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i1.19226

Abstract

This study examines the influence of the credit ratio (NPF), liquidity ratio (FDR), and capital adequacy ratio (CAR) on the distribution of green financing among Islamic commercial banks in Indonesia during 2021–2024. This research is motivated by the increasing emphasis on sustainable finance and the strategic role of Islamic banking in supporting green economic development. Using a quantitative approach, panel data regression analysis was conducted with EViews 13 on a sample of 9 Islamic commercial banks selected from a population of 14 banks. The results indicate that NPF, FDR, and CAR do not have a significant effect on green credit, suggesting that the distribution of green financing in Islamic commercial banks is not yet driven by internal financial performance. These findings imply that Islamic bank management needs to integrate sustainability considerations more systematically into financing policies, as conventional financial ratios have not been effective in encouraging greater green financing.