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All Journal Signifikan : Jurnal Ilmu Ekonomi ETIKONOMI Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) IQTISHADIA IJIBE (International Journal of Islamic Business Ethics) Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Economica: Jurnal Ekonomi Islam International Journal of Islamic Economics and Finance (IJIEF) Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam SYIRKAH Muqtasid: Jurnal Ekonomi dan Perbankan Syariah JURNAL MANAJEMEN (EDISI ELEKTRONIK) VOX EDUKASI: Jurnal Ilmiah Ilmu Pendidikan Journal on Education International Journal of Islamic Business and Economics (IJIBEC) Amwaluna Jurnal Ekonomi dan Keuangan Syariah Journal of Islamic Monetary Economics and Finance JURNAL AKUNTANSI Al Maal: Journal of Islamic Economics and Banking Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Rayah Al Islam : Jurnal Ilmu Islam International Journal of Zakat (IJAZ) Dialog JURNAL EKONOMI SYARIAH Kasaba: Jurnal Ekonomi Islam Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah As-Syar'i : Jurnal Bimbingan & Konseling Keluarga JURMA : Jurnal Program Mahasiswa Kreatif Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam MALIA: Journal of Islamic Banking and Finance Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Vision and Ideas (VISA) Ekonomi Islam Indonesia KOLONI International Journal of Islamic Business and Economics VISA: Journal of Vision and Ideas Jurnal Dirosah Islamiyah

Devi, Abrista

Ibn Khaldun University Bogor, West Java

Author-ID : 1193220

Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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SOLUTION TO OVERCOME THE BANKRUPTCY POTENTIAL OF ISLAMIC RURAL BANK IN INDONESIA Abrista Devi; Irman Firmansyah
Journal of Islamic Monetary Economics and Finance Vol 3 (2018): SPECIAL ISSUE
Publisher : Bank Indonesia

This paper investigates the direct and indirect effect of macro and microeconomics variables toward financial distress by using efficiency variable as mediator. This research used time series and monthly-published report data of Islamic Banking Statistics and Macroeconomics data. The Springate Model is used to measure financial distress through s-score, while the Data Envelopment Analysis (DEA) approach is used to measure Islamic rural bank’s efficiency. The finding implies that the efficiency of Islamic rural bank in Indonesia is mainly caused by microeconomics variables where CAR and NPF directly have significant and negative effect on efficiency, while ROA and FDR directly have significant and positive effect on efficiency. The financial distress of Islamic rural bank in Indonesia is mainly caused by micro and macroeconomics variables where CAR and SIZE directly have significant and positive effect on financial distress score, while NPF and Exchange rate directly have significant and negative effect on efficiency. Efficiency is strongly having a role in mediating the effect of microeconomics variables toward financial distress score of Islamic rural bank

DETERMINANTS OF ISLAMIC FINANCIAL EXCLUSION IN INDONESIA Mohammad Mahbubi Ali; Abrista Devi; Hamzah Bustomi
Journal of Islamic Monetary Economics and Finance Vol 6 No 2 (2020)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v6i2.1093

The study aims to uncover the determinants of Islamic financial exclusion in Indonesia by gathering the response from financially-excluded respondents. A total of 110 respondents were surveyed, representing five provinces, namely West Java, South Sulawesi, Aceh, East Kalimantan, and North Maluku. The criteria of financially-excluded respondents are those who do not have any Islamic financial products, neither saving, financing, nor capital market account. The study employs Confirmatory Factor Analysis (CFA) to identify indicators explaining Islamic financial exclusion determinants in Indonesia. The paper found that location is the key barrier to obtain financing from and participate in saving in Islamic banks/Islamic microfinance, while lack of financial knowledge is identified as the critical barrier to deal with Islamic capital market products. Overall, most of the respondents perceive human capital, as well as product and services as the two most significant determinant of Islamic financial exclusion in Indonesia, followed by infrastructure, policies and regulation, financial literacy, social influence, and religious commitment, respectively. The originality of the paper lies in detailed insight into the perception of financially-excluded on the factors leading to Islamic financial exclusion.

DEVELOPING AN ISLAMIC FINANCIAL INCLUSION INDEX FOR ISLAMIC BANKS IN INDONESIA: A CROSS-PROVINCE ANALYSIS M. Mahbubi Ali; Muhammad Rizky Prima Sakti; Abrista Devi
Journal of Islamic Monetary Economics and Finance Vol 5 No 4 (2019)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v5i4.1098

This study measures an Islamic financial inclusion index in Indonesia based on three dimensions, namely the accessibility, availability and usage of Islamic banking services. Additionally, it measures the relationship between the Islamic financial inclusion index and the human development index (HDI). The study found that the level of Islamic financial inclusion in Indonesia is relatively low at the national level. DKI Jakarta is the most financially inclusive province in Indonesia, followed by East Java and Nanggroe Aceh Darussalam. In contrast, East Nusa Tenggara has the lowest average Islamic financial inclusion index. The findings also revealed a positive correlation between the Islamic financial inclusion index and HDI. Those provinces with the highest Islamic financial inclusion index were also likely to have a higher HDI. The findings of the present study suggest that both policymakers and the Islamic financial industry should play a greater role in improving financial access to low-income segments, especially in the eastern part of Indonesia such as East Nusa Tenggara and Papua provinces.

Analisis Strategi Pemasaran Dalam Meningkatkan Penjualan Rumah Makan Pecak Hj. Sadiyah Cilodong Depok Reza Fauzi Ikhsan; Abrista Devi; Ahmad Mulyadi Kosim
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 2 No 1 (2021): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

This research begins from a phenomenon that describes the condition of restaurants in Indonesia as inseparable from problems related to marketing strategies, so that it can affect the existence of restaurants in competition and survival. This was a real reflection that cannot be avoided by a business. The research objective was to formulate the most appropriate marketing strategy in accordance with the applied marketing mix by looking at the internal and external conditions that are owned by Pecak Hj. Sadiyah Restaurant. This research was a qualitative descriptive study using marketing strategy theory. Data technique used observation, interviews, documentation, and questionnaires. Data analysis performed was data reduction, data presentation, data lever, and SWOT analysis. These research results have identified the marketing mix, such as product, price, place, and promotion. Then identified indicators in the internal environment as legality, agile operational managers, increasing income every year, quality food, strategic location, halal certification, good cooperation between workers, low prices with high taste, effective distribution channels, and leadership relationships with employees. good. Weaknesses include no offering motivation, no meetings, poor work management, minimal human resources, parking areas, and limited distribution areas. The external environment was able to take advantage of opportunities from abundant raw material sources, developing technology, consumptive culture of society, online delivery services, and high consumer loyalty. Related threats include unstable raw material prices, unstable public interest, shifting of consumers to competitors, and developments since Covid-19, so that the most appropriate marketing strategy was formulated for the development of Pecak Hj. Sadiyah Restaurant in minimizing the weaknesses and threats that threaten.

Peranan Perbankan Syariah Dalam Mendorong Usaha Mikro Kecil dan Menengah Dimasa Pandemi Covid-19 Hafiz Maulana Muttaqin; Ahmad Mulyadi Kosim; Abrista Devi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 2 No 1 (2021): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

In the Indonesian economy, Micro, Small and Medium Enterprises (MSMEs) are the business groups that have the largest number. In addition, this group has proven to be resistant to various kinds of shocks to the economic crisis. So it is imperative to strengthen the UMKM group which involves many groups because the UMKM sector has a big contribution to workforce absorption, developing the UMKM sector will be able to absorb more existing workers and of course it will be able to improve the welfare of the workers involved in the workforce. In it so that it can reduce the unemployment rate and in the end it will be used to reduce poverty. The criteria for businesses that are included in MSMEs have been regulated in a legal umbrella based on law. This study aims to determine the role of Islamic Banking in Encouraging Micro, Small and Medium Enterprises (MSMEs) in Indonesian Sharia Banks (BSI) kc. Ahmad Yani Kota Bogor during the Covid Pandemic 19. This study used a descriptive qualitative method and the data used in this study were primary data. This study uses data collection techniques through literature study and interviews. The instrument used in the primary data is an interview with a source from Bank Syaria Indonesia Kc Ahmad Yani, Bogor City. Respondents revealed that the Role of Islamic Banking, especially Islamic Bank Indonesia Kc. Ahmad Yani played an important role in maintaining MSMEs during the Covid-19 pandemic as now because he helped distribute government programs, namely KUR (People's Business Credit), Providing.relaxation or relief to entrepreneurs affected by Covid-19 and facilitating the financing process for entrepreneurs. Which has been determined by the government through PJOK regulation no 11 of 2020. Keywords: Micro, small and medium enterprises, Islamic banking. Covid-19

Dampak Inklusi Keuangan dan Bank Syariah terhadap Kesehatan dan Pendidikan Nasional Ahmad Riswantio; Hendri Tanjung; Abrista Devi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 2 No 2 (2021): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

This study aims to analyze the impact of financial inclusion and Islamic banking on national health and education. The data used in this study is secondary data taken from the website of the financial services authority regarding Islamic banking statistics and data from the website of the Central Statistics Agency. The method used in this study is panel data regression analysis with the help of the Eviews 11 SV and StataSE 17 applications to obtain a complete description of the relationship between one variable and another. The sample in this study consisted of 33 provinces in Indonesia in the 2015-2020 period. The results of this study are that the inclusion variable does not have a significant effect on national health partially at the level of significance of more than 10%. However, the financial inclusion variable has a significant effect on national education partially at the level of significance of less than 10%. Islamic banks have a significant influence on national health partially at the level of significance of less than 10%. However, Islamic banks do not have a significant influence on national education partially at the level of significance of more than 10%. Then for the simultaneous regression, the results show that financial inclusion and Islamic banks jointly affect national health and education. The coefficient of determination of the two independent variables on national health is 84% while the remaining 16% is explained or influenced by other factors that are not included in this research model. The coefficient of determination of financial inclusion and Islamic banking on national education is 4% while the remaining 96% is explained or influenced by other factors that are not included in this research model.

Pengaruh Keuangan Inklusif dan Bank Syariah terhadap Konsumsi Nasional Indonesia Arif Rachman Hakim Rangkuti; Ibdalsyah Ibdalsyah; Abrista Devi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 2 No 2 (2021): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

This study aims to determine the effect of financial inclusion and Islamic Banks to national consumption in Indonesia. The Data used in this research is the second data obtained through the official website of the authority of the Islamic financial services banking statistics and data from the Central Statistical Office Data. The method used in this research is the analysis of panel data regression with the aid of Eviews 9 to obtain the processed results complete data concerning the relationship of one variable with the variable that the other. The sample of this study consists of 33 provinces in Indonesia with the time frames 2017-2020. The results of this study is that the variable financial inclusion has influence in a positive and partial to the variable of national consumption with the value of the probability of 0,0000 < 0,05. While the variables of islamic banks have influence in a positive and partial to the variable of national consumption with the value of the probability of 0,0460 < 0,05. Then for the regression simultaneously obtain the result that financial inclusion and islamic banks jointly affect the national consumption. For the coefficient of determination of the two independent variables against the national consumption by 91% while the remaining 9% is explained or influenced by other variables that are not incorporated into the model of this research.

Analisis Rasio Keuangan untuk Menilai Kinerja Keuangan KSPPS Khairu Ummah Leuwiliang Periode 2017-2020 Ilma Yuliyastri; Suyud Arif ; Abrista Devi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 2 No 2 (2021): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

An important factor for cooperative institutions is financial performance. The company's financial performance level can be evaluated by analyzing past financial statements. The purpose of the research is to determine the financial performance of KSPPS Khairu Ummah for the period 2017-2020 based on the standard decree of the Minister of Cooperatives and Small and Medium Enterprises No.06/Per/M/KUKM/V/2006 on Health Assessment Standards. And based on the Ministry of Cooperatives and Small and Medium Enterprises of the Republic of Indonesia Number: 7/Per/Dep.6/IV/2016 on Guidelines for Health Assessment of Cooperatives Save Borrowing and Sharia Financing and Unit Save Borrowing And Sharia Financing Cooperatives. The method used is quantitative method. The results showed that the financial performance of KSPPS Khairu Ummah in terms of liquidity, solvency, activity and profitability is still below the standard decree of the Minister of Cooperatives and SMEs No.06/Per/M/KUKM/V/2006, and the results of research in terms of capital, efficiency, liquidity, independence and growth has been included in the standard health assessment and the Ministry of Cooperatives and Small and Medium Enterprises of the Republic of Indonesia Number: 7/Per/Dep.6/IV/2016.

Analisis Faktor-Faktor yang Mempengaruhi Minat & Keputusan Mahasiswa Bogor Berinvestasi di Pasar Modal Syariah pada Masa Pandemi(2019-2020) Muhammad Adnan; Hendri Tanjung; Abrista Devi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 2 No 3 (2021): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

This study aims to determine what factors influence the interest and decision of Bogor students to invest in the Islamic capital market during the pandemic. The sample in this study were students of the Islamic economics study program class 2017-2018 which consisted of three campuses including Ibnu Khaldun University, Bogor Agricultural University, and the Tazkia Institute with a total of 100 students. The independent variables in this study include benefits, motivation, returns and knowledge, and the dependent variable in this study is the interest variable and the decision variable. The method used in this study is a quantitative method and the data used in this study are primary data obtained directly from the results of distributing questionnaires and measured using a Likert scale. The data analysis technique used in this study is SmartPLS. The data in this study were collected using a questionnaire and then processed using the SmartPLS 3.3.3 program. The results showed that the benefit variable (X1) and the return variable (X3) had a positive and significant effect on the interest variable (Y1) and for the knowledge variable X4 and the interest variable Y1 had a positive and significant influence on the decision variable Y2. Keywords: Benefits, Motivation, Return, Knowledge, Capital Market, Investment

Analisis Pengaruh Tingkat Harga Saham, Return Saham, dan Volume Perdagangan Saham terhadap Stock Split ISSI Periode 2015– 2020 Farhan Maulana; Ahmad Mulyadi Kosim; Abrista Devi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 2 No 3 (2021): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

For companies that collect funds from the public through capital from capital market, it can be used to meet capital needs and finance the company’s operation. So that company is expected not to rely on commercial debt financing both from within the country and abroad. With stock split, it is hoped that it will increase investors’ interest in buying affordable shares. This study aims to determine whether the stock split has an effect on stock prices, trading volume, and stock return. The method used by the researcher uses quantitative secondary data methods by using descriptive statistical data test, then use the kolgomorov smirnov normality test, and using theaverage paired sample test. The results of this research is that: 1) stock price have a significant effect after the stock split occurs, 2) while the trading volume has no significant effect after the stock split occours, 3) then stock return has a siginificant impact before and after the stock split because it is expected to have a positive impact for issuers and investors.

Co-Authors Aam Rusydiana Aam S. Rusydiana Aam S. Rusydiana Aam Slamet Rusydiana Aam Slamet Rusydiana Adinda Maharani Ahmad Mulyadi Kosim Ahmad Riswantio Amalia Nabila Amelia . Annisa Yasrien Algaisya Arief Santoso Arif Rachman Hakim Rangkuti Arif Sapta Yuniarto Arif, Suyud Arum Mutoharoh Ayu Maulidina Baharom Abdul Hamid Destiya Wati Dila Auliya Dila Luthfiatussa’dyah Dwi Jayanti Mandasari Elza Fauziah Safitri Erni Ermawati Eyup Asker Fadinda Nurhaliza Fajriah Salim Farhan Maulana Fatikhah Fatikhah Fatin Hasib Fida Khotimah Hafidz Maulana Muttaqin Hafiz Maulana Muttaqin Hamzah Abdul Karim Prasetyo Hamzah Hamzah Hendri Tanjung Ibdalsyah, Ibdalsyah Ikhwan Hamdani Ilham Wahyudi Ilma Yuliyastri Indriya Indriya Irman Firmansyah Irman Firmansyah Isfandayani Isma Rosyadin Kholil Nawawi Lina Rani M Kholil Nawawi M. Kholil Nawawi M. Mahbubi Ali Mohammad Mahbubi Ali Muchlis Muchlis Muhammad Adnan Muhammad Rizky Prima Sakti Mukri, Syarifah Gustiawati Mulia Amirullah Nashr Akbar Nida Hafia Nisa Gettar Sukma Sari Nuha Lutfiah Riyadi3 Nur Frita Nur Halisa Ulmi Retno Triwoelandari Reza Fauzi Ikhsan Reza Maulana Risma Nur Maulidya Rizanti Khairunisa Roy Waluyo Rusdi Kasman Rusni Hassan Siti Salbiah Siti Syifa Awalyah Sofian Muhlisin Sri Nurul Milla Sulaeman Yasir Surya Hanifa Suyud Arief Suyud Arif Syarifah Gustiawati Zulfahmi Zulfahmi

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