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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 69 Documents
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Analisis Pengaruh Inflasi, Ekspor, Impor, dan Nilai Tukar terhadap Cadangan Devisa Negara Ika Septiana Windi Antari; Muhammad Kholid Al-Zani; Ilham Antony Saputra
Niqosiya: Journal of Economics and Business Research Vol. 3 No. 2 (2023): Juli-Desember 2023
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v3i2.2557

Abstract

Foreign exchange reserves are essential for assessing a country's financial stability, especially in countries highly dependent on international trade, such as Indonesia. Various economic factors, including inflation, exports, imports and changes in exchange rates, influence Indonesia's foreign exchange reserves. Domestic inflation is essential in determining a country's currency and stability. If inflation is high, the exchange rate will increase, which in turn will impact the size of the country's foreign exchange reserves. Therefore, controlling inflation is essential in maintaining the stability of foreign exchange reserves. Exports and imports also significantly influence a country's foreign exchange reserves. The higher the exports, it shows that the country is more advanced and can generate foreign exchange reserves. Imports are the opposite of exports. The country's foreign exchange reserves are usually used to make payments for import activities. This means that the country's foreign exchange reserves will decrease further if imports are higher. This research uses time series data from 2010 to 2020, so the analysis used is the Error Correction Model (ECM). Based on the research results, it was found that to increase the country's foreign exchange reserves, it is necessary to increase the value of exports and exchange rate stability and reduce the value of inflation.
Tinjauan Manajemen Dana Jaminan BPJS Ketenagakerjaan Kantor Cabang Perintis Ponorogo Perspektif Manajemen Keuangan Syariah Kavarera, Wilkys Cantika; Cahyani, Yutisa Tri
Niqosiya: Journal of Economics and Business Research Vol. 4 No. 2 (2024): Juli-Desember 2024
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v4i2.3303

Abstract

Manajemen keuangan syariah merupakan sistem pengelolaan keuangan yang berdasarkan pada prinsip dan hukum Islam, yang bertujuan untuk mencapai kesejahteraan dan keadilan bagi semua pihak yang terlibat dalam transaksi keuangan. Penelitian ini dilakukan di BPJS Ketenagakerjaan Kantor Cabang Perintis (KCP) Ponorogo yang memiliki jumlah peserta terbanyak dari rumah sakit Islam dan sektor ekonomi lainnya berlandaskan syariah. Berdasarkan hasil wawancara yang dilakukan oleh peneliti, terdapat beberapa peserta yang kesulitan dalam penggunaan aplikasi Jamsostek Mobile (JMO) dimana digunakan mulai dari pendaftaran peserta hingga proses klaim, masih banyaknya peserta yang belum mengetahui bagaimana pengelolaan dana pada BPJS Ketenagakerjaan dan adanya beberapa kendala yang mengakibatkan keterlambatan pencairan klaim oleh peserta. Metode yang digunakan dalam penelitian ini adalah pendekatan deskriptif kualitatif Hasil penelitian menunjukkan bahwa BPJS Ketenagakerjaan KCP Ponorogo tidak mengelola dana jaminan sendiri, melainkan disalurkan ke BPJS Ketenagakerjaan pusat, dan bertugas untuk mengumpulkan iuran dana jaminan, menyetorkan dana jaminan ke kantor pusat dan melakukan pembayaran klaim pada peserta. Pengelolaan dana jaminan pada BPJS Ketenagakerjaan KCP ponorogo telah sesuai dengan prinsip manajemen keuangan, namun pada dalam manajemen keuangan syariah masih terdapat unsur riba dikarenakan instrument investasi yang dipakai masih berupa investasi konvensional dan juga bekerja sama dengan bank konvensional sehingga terdapat adanya penambahan dana atau bunga.
Implementation of Islamic Business Ethics: The Case of MSMEs in Sukoharjo, Indonesia Ma'ruf, Aminudin; Mukhlisin, Fajar Sidiq; Rohmaningtyas, Nurwinsyah
Niqosiya: Journal of Economics and Business Research Vol. 4 No. 2 (2024): Juli-Desember 2024
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v4i2.4014

Abstract

Introduction: Islam urges every Muslim to work and comply with all Islamic principles. The Centre of Statistical Data (BPS) of Sukohajo noted that 94.8% of Sukoharjo’s population is Muslim. This indicates that Sukoharjo has great economic potential, especially in the field of halal lifestyle. This paper conducted a study with the aim to analyse the application of Islamic business ethics to Micro, Small, and Medium Enterprises (MSMEs) in Sukoharjo. Research Methods: This research employs a qualitative analysis with a descriptive analysis method. Primary data were obtained through interviews and documentation with 28 MSMEs in Sukoharjo as the research sample. The data is then analysed by data reduction, data display, and data verification. Results: The result shows that the majority of MSMEs in Sukoharjo Regency have implemented Islamic business ethics such as honesty, fairness, greetings, trust, and selling halal products. However, religious activities for employees lack the practices. There are several internal and external factors shaping the implementation of Islamic business ethics of MSMEs in Sukoharjo, namely internal factors (beliefs) and external factors (science, family, social environment, experience, and type of business). Conclusion: The study humbly urges the Indonesian Ulema Council to incorporate Islamic business ethics in their teachings, shaping a better understanding of society and leading the optimisation of the application.
The Market Potential of Madura Stalls and The Socio-Economic Impact on Local Communities: A Community-Based Islamic Business Study Ach Alfan Irhamsyah; Fahrurrozi
Niqosiya: Journal of Economics and Business Research Vol. 4 No. 2 (2024): Juli-Desember 2024
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v4i2.4083

Abstract

Madurese are famous for their nomadic culture and trading skills, with Madurese warungs scattered across Indonesia's major cities. These stalls thrive with small capital thanks to perseverance, solid community networks, and high work ethic. This research explores the potential and social impact of Madurese warungs with a community-based Islamic business perspective, using qualitative methods with purposive and snowball sampling, as well as interviews, observations, and discussions. The results show that the success of Madura warungs depends on the quality of goods, good service, competitive prices, and 24-hour operations. In addition to economic impact, these stalls also increase social interaction, strengthen community ties, and promote inter-ethnic harmony. The findings show that Madurese warung not only contribute to the economy but also strengthen community networks. The research identifies policies to increase positive impacts and address challenges, such as business management training for MSMEs and cooperation with local governments. Thus, Madura warungs can continue to grow and provide greater benefits to local people and the Madura community.
PENGARUH Pengaruh Motivasi Bisnis dan Kesadaran Halal Terhadap Keputusan Sertifikasi Halal Gratis Self Declare Bagi UMKM di Ponorogo MUH. NAJIB AMRIL HUDA; MOH. FAIZIN
Niqosiya: Journal of Economics and Business Research Vol. 4 No. 2 (2024): Juli-Desember 2024
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v4i2.3236

Abstract

The Halal Product Guarantee Organizing Agency in 2023 will open a program of 1 million free halal certifications for UMKM in the Self Declare category. This will encourage business motivation and halal awareness from business actors to make the decision to register for free halal certification. However, in reality, awareness of the halalness of a product and motivation of business actors is still relatively low. The aim of this research is to test and analyze partially or simultaneously the variables of business motivation and halal awareness regarding the decision to implement free halal certification in the Self Declare category for UMKM in Ponorogo district. This type of research is quantitative research using primary data. The sampling technique uses probability sampling techniques, with data collection techniques using questionnaires and the number of respondents is 100 respondents. The research results show that business motivation has a significant influence on the decision to implement free halal certification in Ponorogo Regency, halal awareness has a significant influence on the decision to implement free halal certification in Ponorogo Regency. and simultaneously business motivation and halal awareness have a significant influence on the decision to implement free halal certification in Ponorogo Regency, namely 59.1%.
Efektivitas Penerapan Prinsip Ta’awun Dalam Program Umkm Gandu Berkembang (UGB) Di Lapangan Desa Gandu Kecamatan Mlarak Kabupaten Ponorogo Hafiza Nur Laily Fitria; Unun Roudlotul Janah
Niqosiya: Journal of Economics and Business Research Vol. 4 No. 2 (2024): Juli-Desember 2024
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v4i2.3371

Abstract

Abstract: This research aims to analyze the application of ta'awun principles, the obstacles faced by the Gandu Village Government and UMKM actors as well as the effectiveness of implementing ta'awun principles in the Gandu Developing UMKM Program (UGB) in the Gandu Village Field, Mlarak District, Ponorogo Regency. This research uses a qualitative approach method with a type of research (Field research), namely researchers search for and collect data directly at the location where the phenomenon occurs. From the results of the analysis, it was concluded that: 1) The application of ta'awun principles in the Gandu Developing UMKM Program in the fields of Gandu Village, Mlarak District, Ponorogo Regency is in the form of providing stalls, free electricity and water. 2) There are three obstacles experienced by the Gandu Village Government, namely providing understanding to the community regarding the use of fields used as buying and selling locations and explaining the operational mechanisms of the UGB program, there is still very little interest in registering for the program and buyers are still hesitant. The obstacles faced by UMKM are that some UMKM do not dare to take merchandise from suppliers, financial management is still messy and they do not have the right marketing strategy. 3) the application of the ta'awun principle in the UGB program cannot be declared effective, because it does not meet the standards for measuring effectiveness. Abstrak: Penelitian ini memiliki tujuan untuk menganalisis penerapan prinsip ta’awun, kendala yang dihadapi oleh Pemerintah Desa Gandu dan pelaku UMKM serta efektivitas penerapan prinsip ta’awun dalam Program UMKM Gandu Berkembang (UGB) di Lapangan Desa Gandu Kecamatan Mlarak Kabupaten Ponorogo. Penelitian ini menggunakan metode pendekatan kualitatif dengan jenis penelitian (Field research) yaitu peneliti mencari dan mengumpulkan data secara langsung pada lokasi terjadinya fenomena. Dari hasil analisis diperoleh kesimpulan bahwa: 1) Penerapan prinsip ta’awun dalam Program UMKM Gandu Berkembang di lapangan Desa Gandu Kecamatan Mlarak Kabupaten Ponorogo ini dalam bentuk pemberian lapak, aliran listrik dan air gratis. 2) Terdapat tiga kendala yang dialami oleh Pemerintah Desa Gandu yaitu memberikan pemahaman kepada masyarakat terkait pemanfaatan lapangan yang dijadikan lokasi jual beli dan menjelaskan mekanisme operasional program UGB, minat yang mendaftar program masih sangat sedikit dan minat pembeli yang masih ragu-ragu. Kendala yang dihadapi pelaku UMKM adalah sebagian UMKM belum berani mengambil dagangan dari pemasok, manajemen keuangan yang masih berantakan dan belum mempunyai strategi pemasaran yang tepat. 3) penerapan prinsip ta’awun dalam program UGB belum dapat dinyatakan efektif, karena belum memenuhi standar pengukuran efektivitas.
Pengaruh Personal Attribute, Environmental, Sociological dan Entrepreneurship Education Terhadap Minat Berwirausaha Mahasiswa FEBI IAIN Ponorogo Indri Devi Antikalestari; Estu Unggul Drajat
Niqosiya: Journal of Economics and Business Research Vol. 4 No. 2 (2024): Juli-Desember 2024
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v4i2.3392

Abstract

Entrepreneurship is a good and very important way of financial management. Even though many students are focused on academics or organizations only, students are relatively vulnerable to the temptation of fashion, trends and lifestyles which can increase students' opportunities in matters of personal financial management, and the majority of students are still dependent on their parents and do not have their own income, students should be able to learn entrepreneurship and good financial management. The aim of this research is to test and analyze the influence of personal attribute, environmental, sociological and entrepreneurship education factors on FEBI IAIN Ponorogo students' entrepreneurial interest partially and simultaneously. This research is quantitative research. This research uses primary data where data collection uses questionnaires and interviews. The objects of this research are FEBI IAIN Ponorogo students who have taken the Entrepreneurship course. From this research, results were obtained: Sig value was obtained. 0.000 < 0.05 proves that the personal attribute factor has a positive and significant effect on the variable interest in entrepreneurship, the results of the sig value. 0.000 < 0.05 proves that environmental factors have a positive and significant effect on the variable interest in entrepreneurship, the results of the sig value. 0.063 > 0.05 proves that sociological factors have no influence on the variable interest in entrepreneurship, the results of the sig. 0.249 > 0.05 proves that the entrepreneurship education factor has no influence on the entrepreneurial interest variable and the results of the f test show that the value of f-count (85.950) > f-table (2.40) shows that the personal attribute, environmental, sociological and entrepreneurship education factor variables have a positive effect. and simultaneously significant for the entrepreneurial interest variable of FEBI IAIN Ponorogo students
Pengaruh Fasilitas, Promosi, Dan Citra Destinasi Terhadap Keputusan Berkunjung Wisatawan Di Agrowisata Kebun Teh Jamus Kabupaten Ngawi Putri Putri Puji; Dwi Setya Nugrahini
Niqosiya: Journal of Economics and Business Research Vol. 4 No. 2 (2024): Juli-Desember 2024
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v4i2.3719

Abstract

Kebuh Teh Jamus Agrotourism is a tourist attraction located on the slopes of Mount Lawu, precisely in Girikerto Village, Sine District, Ngawi Regency. The aim of this research is to test and analyze partially or simultaneously the facilities, promotion and destination image on the decision to visit the Jamus tea plantation agrotourism using quantitative methods. The sampling technique in this research uses purposive sampling, namely a technique for determining samples with certain considerations. The data collection technique uses a questionnaire. The data analysis techniques used are classical assumption tests, as well as hypothesis tests consisting of simple regression tests, multiple linear regression tests, t tests, f tests, and R square tests. The research results show that: 1) Facilities have a partial influence on the decision to visit, obtaining a significance value of 0.040 < 0.05. 2) Promotion has a partial effect on the decision to visit, obtaining a significance value of 0.005 < 0.05. 3) The destination image partially influences the decision to visit, obtaining a significance value of 0.000 < 0.05. 4) Simultaneously, facilities, promotions and destination image influence the decision to visit. Proven by the f test, the value of F_count > F_table (85,082 > 2.70), so that H_04 is rejected and H_α4 is accepted and the coefficient of determination (R square) is 72.7% and the remaining 27.3% is influenced by other factors.
Pengaruh Persepsi Risiko Dan Kepercayaan Terhadap Minat Menggunakan Payment Linkaja Syariah Pada Generasi Z Karesidenan Madiun Dengan Religiusitas Sebagai Variabel Moderating Miftakhul Jannah; Ely Masykuroh
Niqosiya: Journal of Economics and Business Research Vol. 4 No. 2 (2024): Juli-Desember 2024
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v4i2.3789

Abstract

Digital payments are present as a form of technological development in the financialsector which is increasingly accepted by society, especially generation Z, which is a segment with potential for using technology. Even though there is a large Muslim population in Indonesia, interest in using sharia-based digital payments is still low, as evidenced by the number of LinkAja Syariah users which is still considered very low when compared to conventional digital payments. This research uses quantitative methods. The samples taken were 100 respondents. The sampling technique uses purposive sampling technique. The data collection technique uses a questionnaire. The data obtained was then processed using the SPPS 22 application. The analysis techniques used were instrument testing, classical assumption testing, simple linear regression model testing, multiple linear regression, and moderated regression analysis. The results of the research show that partially risk perception has a significant negative effect on interest and trust has a positive and significant effect on interest in using LinkAja Syariah in generation z in Madiun Residency. Based on a simultaneous test, risk perception and trust influence interest in using LinkAja Syariah among generation z in Madiun Residency. Religiosity does not moderate the risk perception of interest. And religiosity does not moderate trust in interest in using LinkAja Syariah payments among generation z in Madiun Residency.

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