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Maulida Nurhidayati
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Rumah Jurnal FEBI Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Ponorogo Kampus II Krajan Pintu Jenangan Ponorogo, Jawa Timur, Indonesia Telp. (0352) 3576565 Fax. (0352) 3591451 E-mail:niqosiya@iainponorogo.ac.id
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Niqosiya: Journal of Economics and Business Research
Published by Institut Agama Islam Negeri Ponorogo
ISSN : 27986373     EISSN : 28077660     DOI : https://doi.org/10.21154/niqosiya
Core Subject :
Scope of study of scientific writings by students or collaboration of students and lecturers in the form of research on Islamic economic studies, Sharia economics, Sharia banking, zakat and waqf management in the realm of Islamic economics and business studies as well as scientific fields.
Arjuna Subject : -
Articles 64 Documents
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Pembiayaan Kredit Pemilikan Rumah (KPR) Subsidi Untuk Meningkatkan Kesejahteraan Masyarakat Berpenghasilan Rendah Mansur Azis; Gista Neli Mariskha
Niqosiya: Journal of Economics and Business Research Vol. 3 No. 1 (2023): Januari-Juni 2023
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v3i1.1717

Abstract

The house is a primary need not easily owned by everyone first for low-income people. This study aims to determine the implementation, inhibiting factors, and impact of mortgage loans. This research was conducted because there has been no similar research that includes information from housing developers. The context for improving the community's welfare has not yet been studied. This research is qualitative research based on field research. Data were obtained from interviews with customers, banks, and housing developers. The results show that despite the difficulties in collecting housing loan requirements, it can help and make it easier for people to own a house. There are inhibiting factors, including public awareness, problems with checking BI, dishonesty in the community about salaries, insufficient filing, difficulty obtaining salary certificates, non-strategic house locations, licensing regulations, and bank regulations during the pandemic. Meanwhile, the impact of home ownership loans on customers is to increase the customer's obligations or debts in installments every month. For housing developers, subsidized housing loans make developers take longer to find a location for housing construction that fits the government budget. On the other hand, developers also failed to realize sales due to the pandemic. Meanwhile, for the Karanganyar State Islamic Savings Bank, subsidized housing loans made the obligation to return funds to the government increased. It can be concluded that subsidized ownership credit can help and facilitate low-income people to own a house.
Optimalisasi Peran KSPPS BMT Beringharjo KCP Dolopo dalam Meminimalisir Praktek Rentenir di Masyarakat Reta Nurnalia; Ruliq Suryaningsih
Niqosiya: Journal of Economics and Business Research Vol. 3 No. 1 (2023): Januari-Juni 2023
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v3i1.1853

Abstract

Baitul Maal wat Tamwil (BMT) is a microfinance institution that operates on Sharia principles/profit sharing, which has the aim of being able to grow micro-enterprises in order to elevate the degree and dignity and defend the interests of the poor. The research method used in this research is a qualitative method with a descriptive descriptive approach. With data collection techniques in the form of interviews and using descriptive qualitative analysis techniques. The conclusion of this study shows. The conclusions from this study show that optimizing the role of KSPPS BMT Beringharjo in minimizing the practice of moneylenders in the community is in accordance with Sudarsono's theory, but still needs improvement in efforts to distance the community from non-sharia economic practices such as providing outreach to the community.
Pengaruh EPS, ROE, dan ROA terhadap Harga Saham Perusahaan Consumer Goods Periode 2015-2020 Rizal Rosikin; Maulida Nurhidayati
Niqosiya: Journal of Economics and Business Research Vol. 3 No. 1 (2023): Januari-Juni 2023
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v3i1.911

Abstract

Prospective investors must do a financial ratio analysis to determine the best and most profitable investment decisions. In theory, the value of Earning Per Share (EPS), Return on Equity (ROE), and Return On Assets (ROA) increases and will increase stock prices. The identification results show that when the EPS, ROE, and ROA of consumer goods companies have increased EPS, ROE, ROA, and Stock Price, the stock prices of consumer goods companies have decreased. This shows that there needs to be more theory and data. Based on this, this study aims to examine and analyze the effect of EPS, ROE, and ROA on the stock price of Consumer Goods companies partially or simultaneously. This type of research is quantitative research using secondary data. There is also data collection using a documentation study. The data used in this study is in the form of annual reports of Consumer Goods companies listed on the Indonesia Stock Exchange (IDX) for the 2015-2020 period. The analytical method used is panel data regression analysis with the stages of panel data regression model estimation, panel data regression model selection, classical assumption test, and significance test; the software used is Eviews 9.0. The results of this study indicate that the EPS variable partially has a positive effect on stock prices. ROE variable partially does not affect stock prices. The ROA variable partially has a negative effect on the Stock Price. The EPS, ROE, and ROA variables simultaneously significantly affect the Stock Price. Adjusted R-squared has a value of 77.135%. This shows that EPS, ROE, and ROA in this study affect 77.135% of stock prices, while other variables outside this study influence 22.86%.
Analisis Syariah Marketing Terhadap Pelaksanaan Pemasaran Sabun Multibeauty Dhuwi Puspita Sari; Yunaita Rahmawati
Niqosiya: Journal of Economics and Business Research Vol. 3 No. 1 (2023): Januari-Juni 2023
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v3i1.1025

Abstract

This study aims to determine how the Sharia Marketing Analysis of the Marketing Implementation of Multibeauty Soap. Based on the theory of Sharia marketing, according to Hermawan Kertajaya and Muhammad Syakir Sula, four characteristics of Sharia marketing indicators can be used as a guide for marketers. However, not all indicators of the characteristics of Sharia marketing can be met by marketers. As happened at Alfi Store, there is an injustice in the marketing of multibeauty soap, namely the unequal cutting of soap. However, behind this problem, sales of Multibeauty soap in one-eighth pieces are increasing and attracting consumers. The results of this study indicate that: (1) The implementation of Multibeauty soap marketing based on sharia marketing analysis in general is by the theory. However, some could be more optimal. (2) The impact of implementing Multibeauty soap marketing based on the Sharia marketing analysis felt by Alfi Store, seen from an internal business perspective, explains that Multibeauty soap is by customer specifications. The economic price and a million benefits are one of the advantages of this product. The learning and growth perspective explains that business owners continue to improve their performance by regularly conducting sharing and seminars with other business partners. The customer perspective explains that consumers of Multibeauty soap feel satisfied. The financial perspective explains that consumers make repeat orders, which increases the number of sales of Multibeauty soap by one-eighth piece. (3) The factors that affect the level of sales of Multibeauty soap are affordable prices, best quality, distribution channels, and good service.
Strategi Survival Dalam Mempertahankan Eksistensi Warung Sate Blendet Di Balong Kabupaten Ponorogo Elsy Rozim Pratiwi; Ajeng Wahyuni
Niqosiya: Journal of Economics and Business Research Vol. 3 No. 1 (2023): Januari-Juni 2023
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v3i1.1267

Abstract

This research aims to identify and analyze the constraints of Sate Blendet traders in running a business, the survival strategy used by Sate Blendet traders to maintain their existence, and the results of implementing strategies used by Sate Blendet traders. The object of this study is the State Blendet trader in Balong, Ponorogo Regency. The method used in this research is descriptive qualitative, is field research, and uses interview techniques. The results of the study concluded that the business constraints of Sate Blendet traders in running a business were when raw materials were scarce, or those commonly used were not available, production was long when raw materials increased, the traders reduced the size of the satay, technological stuttering, less able to develop business, product availability, and service—not keeping clean. In terms of survival strategy, all variables have been fully fulfilled with the theory of business survival strategy. They start from access to raw materials, production, value, promotional capabilities, limited market, business opportunities, product availability, and services. The results of implementing the business strategy on Sate Blendet traders have been successful, starting from access and raw materials used, faster, more efficient production, saving time and energy, from service successfully maintaining consumer loyalty, increasing consumers, and increasing sales. This study contributes to developing the concept of an in-depth study of survival strategies in maintaining the existence of Sate Blendet traders in Balong, Ponorogo Regency.
Penerapan Sifat STAF Pada Pemasaran Madu Afifah Honeybee Ivtin Kurniawati; Said Abadi
Niqosiya: Journal of Economics and Business Research Vol. 3 No. 1 (2023): Januari-Juni 2023
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v3i1.1531

Abstract

Introduction: This research discusses applying the characteristics of STAF (Siddiq, tabligh, Amanah, and fathanah) in Afifah Honeybee marketing to strengthen consumer decisions in buying Afifah Honeybee products. The nature of STAFF is viral among scholars but still needs to be widely applied in the business world; for this reason, this study intends to examine the application and impact of the nature of STAF in the business world. Research Methods: The research will produce qualitative descriptive data by using qualitative research methods and field research. Interview, observation, documentation techniques, data models, and drawing conclusions collected data. Results: The study results show that Afifah Honeybee's marketers have tried to apply the characteristics of STAF even though it could be more optimal. Conclusion: This application significantly positively impacts consumers' decisions to buy Afifah Honeybee's products.
Efektivitas Penggunaan Quick Response Code Indonesian Standard (QRIS) pada UMKM (Food and Beverage) di Kabupaten Ponorogo Septiana Alisa Salsabila; Aji Damanuri
Niqosiya: Journal of Economics and Business Research Vol. 3 No. 1 (2023): Januari-Juni 2023
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v3i1.1700

Abstract

Advances in technology and digitization have resulted in very rapid developments in community activities such as the payment system. This research is a field research (field research) with a qualitative approach to the type of descriptive research. Where data collection uses interview techniques, observation, and documentation. Data analysis techniques include data reduction, data presentation, and conclusion. The authors use the triangulation technique to check the data's validity. This study concludes that the indicators for achieving goals are said to be effective but not optimal because MSME actors feel the ease of using QRIS, but the main goal is to follow trends; the integration indicators are said to be effective but not optimal because there are still few people who pay using QRIS even though they have received socialization and adaptation indicators are said to be ineffective. After all, the organizers have yet to conduct a follow-up survey on MSME (Food and Beverage) actors who use QRIS.
Efektivitas Program Bantuan Pangan Non Tunai Dalam Pengentasan Kemiskinan Di Kabupaten Ponorogo Putri Rahayu; Hanik Fitriani
Niqosiya: Journal of Economics and Business Research Vol. 3 No. 1 (2023): Januari-Juni 2023
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v3i1.1758

Abstract

Poverty is the inability of individuals to meet their needs economically. One of the programs for poverty alleviation is Non-Cash Food Assistance (BPNT). The problems in the field are still many recipients of Non-Cash Food Assistance that need to be corrected. The primary purpose of this study is to analyze the realization of the BNPT program in poverty alleviation in Ponorogo district, to analyze the obstacles encountered by the BPNT program in the Ponorogo Regency area in poverty alleviation, and to analyze the effectiveness of the BPNT program in poverty alleviation in Ponorogo district. This research uses qualitative methods. The findings of this study are 1) Realization of the Non-Cash Food Assistance Program (BPNT) in Ponorogo district, namely to reduce the expenditure burden through meeting food needs. BPNT distribution involves Warung Agents taking food ingredients such as vegetables, eggs, etc. 2) Constraints of the BPNT program in poverty alleviation in Ponorogo district: inappropriate personal data resulted in the Prosperous Family Card not being issued. 3) The effectiveness of the BPNT program in poverty alleviation in Ponorogo district includes: Target accuracy needs to be more effective, Program socialization has not been effective, Program objectives have been effective, Program monitoring has not been effective because monitoring from the assistance is still ineffective.
Analisis Peran Organisasi Dalam Kegiatan Kelompok Tani “Bajang Peduli” Desa Bungkuk Kecamatan Parang Kabupaten Magetan Untuk Peningkatan Produktivitas Zidni Ardiana Firdaus; Iza Hanifuddin
Niqosiya: Journal of Economics and Business Research Vol. 3 No. 1 (2023): Januari-Juni 2023
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v3i1.1761

Abstract

This research is motivated by a form of concern for the problems faced by farmers, especially in the "Bajang Peduli" farmer group in Bungkuk Village, Parang District, Magetan Regency with several problems, namely poverty that still exists among farmers, less than optimal productivity increase, distribution of subsidized fertilizers which is still not optimal for members of farmer groups, the use of infrastructure facilities provided by the government is still lacking due to human resource factors. The primary purpose of this study was to analyze the organization's role in the activities of the "Bajang Peduli" farmer group to increase farmer productivity in Bungkuk Village, Parang District, Magetan Regency. The type of research used is the type of field research. The research was conducted on a farmer group, "Bajang Peduli," in Bungkuk Village, Parang District, Magetan Regency, with data collection techniques using interviews, observation, and documentation. The results of this study indicate that (1) the organization's role in this farmer group's activities still needs to be maximized. (2) The importance of the role of organizations in community activities that have joined the "Bajang Peduli" farmer group is still not fully understood. (3) The impact of the organization's organization's role in the activities of the "Bajang Peduli" farmer group is still not maximally achieved because there are factors that cause and affect farmers' production results. This is evidenced by increasing farmer productivity in Bungkuk Village, Parang District, Magetan Regency.
Peran Motivasi Kerja dalam Meningkatkan Kinerja Karyawan di LKP Bahana Bina Prestasi Ponorogo Kevin Isa Zahroni; Dwi Setya Nugrahini
Niqosiya: Journal of Economics and Business Research Vol. 3 No. 1 (2023): Januari-Juni 2023
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v3i1.1858

Abstract

Work motivation is a form of drive within an individual to complete a task. According to Herzberg's Two-Factor Theory, work motivation consists of two components: external factors and internal factors. In courses and training institutes Bahana Bina Prestasi, work motivation seems lacking, which contradicts the efforts made by the institution's leaders who provide regular work motivation in monthly briefings. This research aims to determine work motivation's role in improving employee performance at LKP Bahana Bina Prestasi in Ponorogo. This research utilizes a qualitative descriptive research method. Data sources include employees, business owners, or leaders at LKP Bahana Bina Prestasi in Ponorogo. Data collection techniques involve conducting interviews. This research indicates that the factors causing a decrease in work motivation lie in external factors, such as salary and quality of supervision. However, there are strengths in working conditions, interpersonal relationships, achievements, recognition, the job itself, and responsibility. Additionally, the implementation of work motivation in LKP Bahana Bina Prestasi is considered to be less than ideal because, despite being conducted regularly, it is not yet considered good and effective. Out of the five performance indicators, this institution has successfully implemented two indicators, namely Quality and Timeliness. However, three areas still need improvement: Quantity, Effectiveness, and Efficiency.

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