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All Journal El-Barka: Journal of Islamic Economics and Business ASANKA: Journal of Social Science And Education Etihad: Journal of Islamic Banking and Finance
Ahmad, Raisha Salisa
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Religion Humanities Economics, Econometrics & Finance Education Social Sciences

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The Existence of Reyog Ponorogo: Management Analysis of UD Suromenggolo's Business Strategy in Preserving Cultural Heritage Nugrahini, Dwi Setya; Nurhidayati, Maulida; Ahmad, Raisha Salisa
ASANKA : Journal of Social Science and Education Vol. 6 No. 1 (2025)
Publisher : Institut Agama Islam Negeri Ponorogo

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Abstract

Reyog Ponorogo is a cultural heritage that has become a regional icon and faces challenges in the modern era. Difficulties in raw materials, capital, human resources, and a lack of government support are the problems encountered. This study aims to analyze the management of the Suromenggolo Business's business strategy to preserve Reyog Ponorogo's culture and identify the obstacles and solutions faced. The research method used is qualitative with a field study approach, involving interviews, observation, and documentation techniques. The study results show that Suromenggolo Business implements strategic management through environmental observation (internal and external factors), strategy formulation using SWOT analysis, and implementation of market penetration strategies. The main obstacles include limited capital, raw materials, low cooperation between artisans, seasonal sales, and the regeneration of artisans. The solutions involve finding funding, product diversification, optimizing the role of cooperatives and Reyog foundations, and education and regeneration efforts through formal and non-formal institutions. The conclusion of this study shows that the strategy implemented is quite effective in maintaining the existence of Reyog Ponorogo, but requires further support from the government and the community.
Bridging Financial Knowledge and Investment Decisions: Evidence from Students of the Faculty of Islamic Economics and Business, IAIN Ponorogo Rahmawati, Yunaita; Ahmad, Raisha Salisa
Etihad: Journal of Islamic Banking and Finance Vol. 5 No. 1 (2025)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v5i1.10532

Abstract

Introduction: Although awareness of financial literacy is increasing, participation in Indonesia’s capital market remains low, with only about 0.4% of the population actively investing. Therefore, this study aims to examine the factors influencing investment interest among students of the Faculty of Islamic Economics and Business (FEBI) at IAIN Ponorogo. Research Methods: A quantitative method was employed using questionnaires distributed to 212 fifth-semester students during the 2018/2019 academic year. Multiple linear regression was applied to examine the effects of investment knowledge and minimum investment policies on investment interest. Results: The findings reveal that investment knowledge has a positive and significant effect on students’ investment interest, while minimum investment policies show no significant effect. However, both variables jointly have a significant influence. Conclusion: The results highlight the need for capital market authorities and educational institutions to enhance financial literacy and encourage active student participation in investment activities.
Learning from the Bangladeshi Islamic Microfinance Model for Sharia Microfinance Development in Indonesia Nur Azizah, Adinda Rizqi; Wahyudi, Amin; Ahmad, Raisha Salisa
El-Barka Journal of Islamic Economics and Business Vol. 8 No. 2 (2025)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v8i2.12329

Abstract

The extreme institutional fragmentation of Indonesia's 4,500+ BMT units has led to an inability to achieve economies of scale despite serving 3.7 million customers with assets of Rp 16 trillion, while the Bangladesh centric bank model (RDS-IBBL) serves 520,000 members with high efficiency but at the expense of social closeness, creating a trade-off of efficiency versus embeddedness that requires systematic investigation. The research uses a comparative qualitative method by analyzing academic literature 2008-2025, institutional reports (UNDP, Bangladesh Bank, OJK, LAZ), and regulatory documents through comparative descriptive analysis of six dimensions with multi-source triangulation validity. Empirical findings show that the Bangladesh bank-centric model achieved a recovery rate of >95% and increased the income of 72% of participants, while the Indonesian community-based model had a recovery rate of 85-90% but was resilient during the 1997-1998 crisis, with a dominance of 70-80% in both countries, explained five factors: transaction cost economics, extreme information asymmetry, institutional path dependency, regulatory constraints, and customer preference for certainty. The theoretical contribution validates the path dependency theory that institutional design shaped by historical trajectories is different (the legacy of the Grameen Bank versus the tradition of mutual cooperation) and rejects the assumption of convergence by proving persistent diversity that is context-dependent. The policy implications include five recommendations: a national apex body BMT for shared services while preserving local autonomy; Sharia Microfinance Academy with a target of 5,000 certified professionals in 5 years; harmonization of OJK regulations, Ministry of Cooperatives, Ministry of Religion; dual-track financing strategy to increase PLS proportion from <20% to 40% in 5 years; and the Structured Waqf Zakat Microfinance Integration Model Graduated Approach (70-80% Mustahiq to become muzakki in 2-3 years), requires a national coordination framework to transform the MFI ecosystem from atomistic fragmented to networked professionals to contribute optimally to the SDGs.
Co-Authors Amin Wahyudi Nugrahini, Dwi Setya Nur Azizah, Adinda Rizqi Nurhidayati, Maulida