Articles
<![CDATA[Savings and Loans Program, The Revenue of Small Micro Enterprises and Poverty Reduction among Women Groups ]]>
<![CDATA[Nihayah, Ana Zahrotun]]>
<![CDATA[ Shirkah: Journal of Economics and Business Vol 2, No 1 (2017) ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business, Institut Agama Islam Negeri (IAIN) Surakarta ]]>
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DOI: 10.22515/shirkah.v2i1.40
<![CDATA[This research aims to understand the micro small medium business income both before and after receiving the program, to find out the number of poverty reduction, and to see the application of Islamic economic values on the women’s saving and loans program.The population of this research are members of the women’s saving and loans program, which is 215 people in total and scattered in 16 business group. Using random sampling techniques, there are 70 people that was taken into consideration. The method analysis used in in this research is using Wilcoxon rank test analysis, the poverty reduction analysis, and the Islamic economics values. Based on data analysis is(1) founded that the women’s saving and loans program affecting the micro small medium enterprises income. (2) Due to the women’s saving and loans program there are decreasing number of poverty rate about 20 percent. (3) It is realized that there are some applications of Islamic economics values upon the women’s saving and loans program, they are time extensions, fine replacement, social activities, and the improvement of society welfare.Keyword: micro small medium business, islamic economic values, saving and loans program]]>
<![CDATA[Identification of Non Performing Financing Alteration Measured by Microeconomic Variable Sharia Banking ]]>
<![CDATA[Nihayah, Ana Zahrotun]]>;
<![CDATA[Walyoto, Sri]]>
<![CDATA[ Journal of Finance and Islamic Banking Vol 1, No 1 (2018) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Surakarta ]]>
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DOI: 10.22515/jfib.v1i1.1245
<![CDATA[This study analyzes the factors affecting Non-Performing Financing (NPF) in the sharia bank in Indonesia. The independent variable in this research uses microeconomic variables such as Capital Adequacy Ratio (CAR), Return on Assets (ROA), Financing to Deposit Ratio (FDR), Productive Financing Ratio (PFR), and Earning Asset Quality (EAQ). The sample used in this research is all population of Sharia Commercial Bank in Indonesia. The data used in this study were obtained from the Sharia Banking Statistics Report issued by the Financial Services Authority (Otoritas Jasa Keuangan - OJK) with the observation period from 2015 to 2017. The results showed that simultaneously CAR, ROA, FDR, PFR, and EAQ significantly influence NPF. Partially only variable FDR and EAQ which have the positive and significant influence to NPF, while CAR, ROA, and PFR has no significant effect on NPF.]]>
<![CDATA[Variables Determining For Impairment On Productive Assets In Islamic Banks In Indonesia ]]>
<![CDATA[nihayah, ana zahrotun]]>;
<![CDATA[Rifqi, Lathif Hanaifr]]>
<![CDATA[ AL-ARBAH: Journal of Islamic Finance and Banking Vol 2, No 1 (2020) ]]>
Publisher : <![CDATA[Universitas Islam Negeri (UIN) Walisongo Semarang ]]>
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DOI: 10.21580/al-arbah.v2i1.5539
<![CDATA[AbstractPurpose - This study aims to examine the effect of profit, productive assets, financing and problem financing on impairment on productive assets on Islamic banks in Indonesia.Method - Data used are secondary data obtained from the Islamic Banking Statistics report for the 2015-2019 period. The sample used in this study was 12 Islamic Commercial Banks and data processing using SPSS 25.0 software.Result - The results of this study indicate that the variable earning assets, financing and problem financing have a significant effect on the impairment on productive assets variable, while the profit variable does not have a significant effect on Impairment on productive assets variable.Implication - This study can be used as a reference by Islamic banks in determining the amount of Impairment on productive assets.Originality - This study analyzes the determinants of Impairment on productive assets at Islamic Banks.]]>
<![CDATA[RASIONALISME EKONOMI PERSPEKTIF PEMIKIRAN TOKOH FILSAFAT KLASIK ]]>
<![CDATA[Lathif Hanafir Rifqi]]>;
<![CDATA[Ana Zahrotun Nihayah]]>
<![CDATA[ JURNAL YAQZHAN: Analisis Filsafat, Agama dan Kemanusiaan Vol 8, No 1 (2022) ]]>
Publisher : <![CDATA[IAIN SYEKH NUR JATI ]]>
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DOI: 10.24235/jy.v8i1.10100
<![CDATA[Istilah rasionalisme popular ketika dikonstruksi oleh Rene Descartes (pemikir filsafat zaman modern 1500-1800 M) dan menjadi sebuah madzhab yang diikuti oleh banyak masyarakat Eropa pada saat itu. Meskipun begitu, rasionalisme telah menjadi ciri khas bagi sebagian besar tokoh filsafat yang memiliki cara pemikiran rasional. Pemikiran rasional ini juga diterapkan oleh tokoh filsafat klasik (600 SM- 400M) yang popular yaitu Socrates, Plato, dan Aristoteles. Studi ini menggunakan metode kepustakaan dengan fokus pada analisis konsep rasionalisme oleh pemikir filsafat klasik yang diimplementasikan dalam konteks perekonomian. Socrates mendesign metode kebidanan (maieutika) dalam kerangka pemikiran filsafatnya. Idea menjadi metode pemikiran filsafat yang dikembangkan oleh Plato. Sementara, Aristoteles dianggap sebagai bapak logika karena memproduksi teori saintifik logis yang memiliki manfaat diberbagai bidang. Pemikiran rasionalis ketiga tokoh filsafat klasik juga dapat diimplementasikan dalam bidang ekonomi di antaranya metode kebidanan (maieutika) Socrates yang seringkali digunakan untuk melakukan studi kelayakan dalam sebuah bisnis. Dalam studi kelayakan, dibutuhkan informasi komprehensif yang didapatkan secara terstruktur untuk mendapatkan keputusan bisnis yang tepat dan rasional. Implementasi dari konsep idea Plato sering digunakan oleh pelaku bisnis dalam menerapkan spiritual company di perusahaan yang sedang dikelola. Sementara, pemikiran Aristoteles tentang ekonomi adalah mengenai konsep pertukaran barang dan jasa. Ekonomi berjalan karena adanya pertukaran barang dan jasa dalam tiga kegiatan utama ekonomi yaitu konsumsi, produksi, dan distribusi.]]>
<![CDATA[Variables Determining For Impairment On Productive Assets In Islamic Banks In Indonesia ]]>
<![CDATA[ana zahrotun nihayah]]>;
<![CDATA[Lathif Hanaifr Rifqi]]>
<![CDATA[ AL-ARBAH: Journal of Islamic Finance and Banking Vol 2, No 1 (2020) ]]>
Publisher : <![CDATA[Universitas Islam Negeri (UIN) Walisongo Semarang ]]>
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DOI: 10.21580/al-arbah.2020.2.1.5539
<![CDATA[AbstractPurpose - This study aims to examine the effect of profit, productive assets, financing and problem financing on impairment on productive assets on Islamic banks in Indonesia.Method - Data used are secondary data obtained from the Islamic Banking Statistics report for the 2015-2019 period. The sample used in this study was 12 Islamic Commercial Banks and data processing using SPSS 25.0 software.Result - The results of this study indicate that the variable earning assets, financing and problem financing have a significant effect on the impairment on productive assets variable, while the profit variable does not have a significant effect on Impairment on productive assets variable.Implication - This study can be used as a reference by Islamic banks in determining the amount of Impairment on productive assets.Originality - This study analyzes the determinants of Impairment on productive assets at Islamic Banks.]]>
<![CDATA[Savings and Loans Program, The Revenue of Small Micro Enterprises and Poverty Reduction among Women Groups ]]>
<![CDATA[Ana Zahrotun Nihayah]]>
<![CDATA[ Shirkah: Journal of Economics and Business Vol 2, No 1 (2017) ]]>
Publisher : <![CDATA[IAIN Surakarta ]]>
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DOI: 10.22515/shirkah.v2i1.40
<![CDATA[This research aims to understand the micro small medium business income both before and after receiving the program, to find out the number of poverty reduction, and to see the application of Islamic economic values on the women’s saving and loans program.The population of this research are members of the women’s saving and loans program, which is 215 people in total and scattered in 16 business group. Using random sampling techniques, there are 70 people that was taken into consideration. The method analysis used in in this research is using Wilcoxon rank test analysis, the poverty reduction analysis, and the Islamic economics values. Based on data analysis is(1) founded that the women’s saving and loans program affecting the micro small medium enterprises income. (2) Due to the women’s saving and loans program there are decreasing number of poverty rate about 20 percent. (3) It is realized that there are some applications of Islamic economics values upon the women’s saving and loans program, they are time extensions, fine replacement, social activities, and the improvement of society welfare.Keyword: micro small medium business, islamic economic values, saving and loans program]]>
<![CDATA[PANDEMI COVID-19 IMPLIKASI BAGI PEMBIAYAAN BANK SYARIAH DI INDONESIA ]]>
<![CDATA[Ana Zahrotun Nihayah]]>;
<![CDATA[Lathif Hanafir Rifqi]]>
<![CDATA[ Jurnal Ekonomika : Manajemen, Akuntansi, dan Perbankan Syari'ah Vol. 10 No. 1 (2021): Maret ]]>
Publisher : <![CDATA[Economic Faculty, University of Widya Gama Mahakam Samarinda ]]>
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DOI: 10.24903/je.v10i1.1220
<![CDATA[The Covid-19 pandemic is the result of the spread of coronavirus that occurs almost all over the world. In Indonesia, covid-19 first occurred on 02 March 2020. At that time, Indonesian citizen was infected by one of the Foreign Nationals of Japan. The transmission of covid-19 is increasing for a long time, until now covid-19 has spread in almost all 34 provinces in Indonesia. Health problems that further adversely affect almost all sectors of the industry, one of which is the Islamic banking industry. Therefore, the Financial Services Authority (OJK) issued several stimulus policies as a measure of anticipation of customers defaulting. This research is a descriptive study with the aim to determine the impact of pandemic covid-19 on Sharia bank financing in Indonesia. The samples used in this study were 11 Sharia commercial banks. The results showed that there are 8 Sharia commercial banks experiencing a downward trend in breeding, especially in April 2020. It can be concluded that the impact of covid-19 has a decrease in Sharia banking financing. Policies carried out by each Sharia commercial bank related to the anticipation of covid-19 to its financing activities, each bank implements a financing restructuring policy to debtors affected by the spread of covid-19]]>
<![CDATA[Analisis Indikator Makro Ekonomi pada Masa Pandemi Covid-19 ]]>
<![CDATA[Ana Zahrotun Nihayah]]>;
<![CDATA[Lathif Hanafir Rifqi]]>
<![CDATA[ Jurnal Ekonomi Vol 31 No 01 (2022): [Jurnal STEI Ekonomi - JEMI] Vol. 31 No. 01 (Juni 2022) ]]>
Publisher : <![CDATA[Bagian Pengelolaan Jurnal dan Penerbitan - Sekolah Tinggi Ilmu Ekonomi Indonesia (BPJP - STIE) ]]>
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DOI: 10.36406/jemi.v31i01.495
<![CDATA[Pandemi covid 19 di tahun 2020 sangat berdampak pada perekonomian nasional. Beberapa indikator makro ekonomi menunjukkam angka yang tidak biasa. Penelitian ini menggunakan pendekatan analisis deskriptif terhadap empat indikator makro ekonomi yaitu pruduk domestik bruto (PDB), BI rate, jumlah uang beredar, dan inflasi. Data penelitian dikumpulkan melalui dokumentasi dari studi kepustakaan. PDB mengalami kontraksi di angka negatif sebesar (-2,07)%. Angka terendah sejak 1998 yang mengalami pertumbuhan negatif (13,13%). Dari sisi moneter, bank indonesia konsisten menurunkan atau mempertahankan tingkat suku bunga BI Rate pada angka 3,75%. Angka terendah dibanding dengan tahun-tahun sebelumnya. Jumlah uang beredar menunjukkan posisi cukup ironis, dimana mengalami kenaikan cukup signifikan pada desember 2020 sebesar 6.900 triliun rupiah dari 6.136,6 triliun pada bulan yang sama di tahun 2019. Dari sisi nominal, ini adalah kenaikan terbesar dalam satu tahun dibanding dengan tahun-tahun sebelumnya. Sementara, inflasi pada angka 1,68% atau terendah setelah era reformasi tahun 1998. Daya beli masyarakat yang menurun, mengakibatkan permintaan konsumtif juga menurun sehingga menurunkan harga barang atau jasa secara aregat.]]>
<![CDATA[Faktor Penentu Sikap Penggunaan Platform Pembayaran Digital bagi Pelaku Usaha Mikro Kecil Kreatif ]]>
<![CDATA[Lathif Hanafir Rifqi]]>;
<![CDATA[Ana Zahrotun Nihayah]]>
<![CDATA[ Jurnal SEKURITAS (Saham, Ekonomi, Keuangan dan Investasi) Vol 6, No 1 (2022): Jurnal SEKURITAS ]]>
Publisher : <![CDATA[Prodi Manajemen Universitas Pamulang ]]>
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DOI: 10.32493/skt.v6i1.22420
<![CDATA[Penelitian ini dilakukan untuk mengisi kekosongan dari penelitian sebelumnya mengenai digitalisasi Usaha Mikro Kecil dan Menengah (UMKM). Digitalisasi UMKM pada penelitian sebelumnya kebanyakan berbicara dari perspektif pemangku kebijakan. Penelitian ini hadir untuk menggali faktor penggunaan Platform pembayaran digital dari sisi pelaku Usaha Mikro Kecil (UMK) kreatif itu sendiri. Metode yang digunakan adalah purposive sampling dengan memperhatikan sample jenuh. Hasil penelitian didapatkan tiga hal yang menjadi faktor rendahnya penggunaan platform pembayaran digital bagi UMK kreatif. Ketiga faktor tersebut adalah literasi keuangan, infrastruktur, dan literasi digital. Temuan penting selanjutnya adalah hal penting pemicu ketiga faktor yang disebutkan adalah tingkat pendidikan rendah dari pelaku UMK KreatifThis research was conducted for research from previous research regarding the digitization of Micro, Small and Medium Enterprises (MSMEs). The digitization of MSMEs in previous studies mostly spoke from the perspective of policy makers. This research is here to find factors in the use of digital payment platforms from the side of creative Micro Small Business (UMK) actors themselves. The method used is purposive sampling by paying attention to saturated samples. The results of the study found three factors that contributed to the low use of digital payment platforms for creative MSEs. The third factor is financial literacy, infrastructure, and digital literacy. The next important finding is the important thing that triggers the three factors mentioned is the low level of education of Creative UMK actors.]]>
<![CDATA[Pelatihan E-Commerce dan Social Commerce untuk Meningkatkan Kompetensi Tecnopreneurship pada Siswa SMK ]]>
<![CDATA[Ana Zahrotun Nihayah]]>;
<![CDATA[Tatim Musolichah]]>;
<![CDATA[Lathif Hanafir Rifqi]]>
<![CDATA[ GERVASI: Jurnal Pengabdian kepada Masyarakat Vol 6, No 3 (2022): GERVASI: Jurnal Pengabdian Kepada Masyarakat ]]>
Publisher : <![CDATA[LPPM IKIP PGRI Pontianak ]]>
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DOI: 10.31571/gervasi.v6i3.3876
<![CDATA[Pelatihan technopreneurship pada siswa SMK Dwi Sakti Tuban dilatarbelakangi oleh data nasional yang menunjukkan tingkat pengangguran lulusan SMK di antara kategori lain tergolong tertinggi (sebanyak 13,55%). Pada observasi awal diperoleh data bahwa sebagian siswa SMK Dwi Sakti memiliki akun media sosial dan dapat mengoperasikan smartphone dengan baik. Namun, sedikit sekali yang memiliki wawasan mengenai e-commerce dan social commerce. Secara garis besar, metode pengabdian ini meliputi tiga hal yaitu identifikasi masalah lapangan, pelatihan, dan evaluasi. Pelatihan diikuti oleh 34 siswa berlokasi di gedung sekolah SMK Dwi Sakti pada 7 Agustus 2021. Evaluasi hasil pelatihan menggunakan uji chi kuadrat yang membandingkan tingkat harapan dan realita dari uji pre-test dan posttest. Hasil analisis chi kuadrat menunjukkan tidak ada perbedaan antara harapan dengan realita dari peningkatan kompetensi siswa. Persentase peningkatan kompetensi siswa setelah pelatihan secara realita telah sesuai dengan persentase peningkatan kompetensi siswa yang diharapkan sebelum dilakukan pelatihan.]]>
