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All Journal Perisai : Islamic Banking and Finance Journal Nusantara Science and Technology Proceedings Humanism : Jurnal Pengabdian Masyarakat Society: Jurnal Pengabdian Masyarakat Musyarakah: Journal of Sharia Economics (MJSE)
Setiyowati, Arin
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Religion Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Medicine & Pharmacology Public Health Social Sciences

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Quality of Corporate Social Responsibility (CSR) Services at Bank Syariah Indonesia (BSI) in 2021 in the Perspective of Islamic Social Reporting (ISR) Index and Maqashid Syariah Index (MSI) Nanda Pratiwi, Danisa; Setiyowati, Arin; Huda, Fatkur
Perisai : Islamic Banking and Finance Journal Vol 7 No 2 (2023): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i2.1643

Abstract

The government issues regulations through Limited Liability Company Law No. 40 of 2007 articles 66 and 74, which states that companies are required to report on the implementation of social and environmental responsibility which is often referred to as Corporate Social Responsibility (CSR). In carrying out its social responsibility, Bank Syariah Indonesia (BSI) must ensure that its operational system meets the benchmarks in CSR. To measure it, it is necessary to have a measuring instrument, namely using the Islamic Social Reporting (ISR) Index and the Maqashid Syariah Index (MSI), to fulfill CSR services to the community. This study aims to analyze the quality of CSR services at BSI 2021 in the ISR Index and MSI Perspective. This research was conducted using a type of library research (Library Research) using a qualitative approach. The validity of the data using source triangulation and data analysis techniques using data reduction. The results of the study show that the quality of CSR services in the 2021 BSI report has carried out CSR in accordance with seven principles including: ethical principles of ethics, principles of caliph protection, principles of honesty and trustworthiness, principles of halalan tayyiban, principles of fairness, principles of authenticity and credibility, and principles of charity. As for the quality of CSR activities specifically based on ISR items on the classification of funding and investment in zakat points, community classification in sadaqah, waqf, qardh hasan points, school scholarships, young generation development, community quality improvement, concern for children, and support social activities. And environmental classification at the point of environmental conservation and empowerment. Meanwhile, the quality of CSR services at BSI is in accordance with the Maqashid Syariah Index and fulfills the principles of individual education, achievement of justice, and public welfare, which are the foundations of this maqashid syariah not implemented by other Islamic banks.
Identification of Problems and Handling of Home Ownership Financing (PPR) Through Murabahah Contracts at Bank Syariah Indonesia (BSI) KCP Rungkut 1 Surabaya Shinta Wulandari, Athiya; Setiyowati, Arin
Perisai : Islamic Banking and Finance Journal Vol 7 No 2 (2023): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i2.1644

Abstract

Penelitian ini bertujuan untuk mengetahui identifikasi persoalan dan penanganan Pembiayaan Pemilikan Rumah (PPR) melalui akad murabahah di Bank Syariah Indonesia KCP Surabaya Rungkut 1. Studi ini dirancang menggunakan metode kualitatif dengan pendekatan studi kasus. Teknik pengumpulan data melewati proses wawancara dan dokumentasi. Keabsahan data yang digunakan adalah triangulasi sumber dan ada tiga tahap analisis data yaitu: Reduksi data, Penyajian Data (DisplayData), dan Penarikan Kesimpulan. Hasil penelitian ini menunjukkan bahwa, Implementasi Pembiayaan Pemilikan Rumah (PPR) pada BSI KCP Surabaya Rungkut 1 dalam pembiayaan menggunakan akad murabahah, tetapi juga menggunakan akad wakalah sebagai pelengkap pelaksanaan akad murabahah.Pelaksanaan akad murabahah pada BSI sudah memenuhi fatwa DSN-MUI Nomor 4/DSN-MUI/IV/ 2000, sebagaimana yang telah dilakukan pihak bank yang melakukan akad wakalah terlebih dahulu lalu dilanjutkan pelaksanaan akad murabahah setelah pihak bank melakukan transaksi dengan developer.Beberapa ragam persoalan dalam proses pembiayaan pemilikan rumah (PPR) dan penangan yang dilakukan oleh pihak BSI Surabaya Rungkut 1 sebagai berikut; Jika nasabah telat mengangsur dalam jangka waktu yang lama maka pihak BSI KCP Surabaya Rungkut 1 akan melakukan restrukturisasi atau rekondisi, jika nasabah melakukan take over pembiayaan diperbolehkan asalkan tujuannya untuk pelunasan pembiayaan (selain tujuan itu tidak diperbolehkan), dan jika ada musibah yang mendadak seperti nasabah meninggal dunia atau mengalami kebakaran rumah. Maka pihak Bank akan mengclaim asuransi nasabah ditujukan dalam hal melunasi pembiayaan yang masih tersisa. Adapun penanganan untuk menanggulangi peningkatan NPF, pihak BSI KCP Surabaya Rungkut 1 tentunya akan melakukan upaya-upaya agar dapat meminimalisir risiko tersebut yaitu dengan berpatokan pada 5C sebelum memberikan pembiayaan kepada nasabah. 5C terdiri dari: Character, Capacity, Capital, Collateral, Condisi.
The Effect of Net Profit and Net Cash Flow on Market Capitalization (Case Study of Sharia Banking Companies at the Indonesia Stock Exchange 2019–2022 Period) Aulia Zahra, Ananda Putri; Rafsanjani, Haqiqi; Setiyowati, Arin
Perisai : Islamic Banking and Finance Journal Vol 8 No 1 (2024): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v8i1.1671

Abstract

Capital market players or investors will consider several elements that can indicate the state of the company, such as examining financial reports from cash flow to profit and loss statements. In addition, the company's share price will ultimately be related to its market capitalization value. The profits obtained by investors will increase along with the increase in stock market capitalization, and the greater the appreciation, the higher the level of profit from an alternative investment. This study aims to determine the effect of net income and net cash flow on market capitalization. Secondary data in the form of Sharia Banking quarterly financial reports that have been listed on the Indonesia Stock Exchange (IDX) for 2019-2022 is the source of the data. Three samples for this research sample were obtained, namely Bank Panin Dubai Syariah (PNBS), Sharia National Pension Savings Bank (BTPS), and Bank Syariah Indonesia (BSI). Panel data regression analysis with the Eviews 12 program was used in this study. The results show that partially net income has a negative and insignificant impact while net cash flow has a positive and significant impact on market capitalization. Meanwhile, market capitalization is simultaneously influenced by net profit and net cash flow variables.
Upaya Peningkatan Kemandirian Ekonomi APUNA Jawa Timur Melalui Aplikasi Smart Self Entrepreneur (SSE) Setiyowati, Arin; Berkah, Dian; Huda, Fatkur; Salsabilla, Salma Nadia
Society : Jurnal Pengabdian Masyarakat Vol 3, No 5 (2024): September
Publisher : Edumedia Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55824/jpm.v3i5.447

Abstract

Kurangnya pengetahuan dan pemahaman tentang pengelolaan usaha yang professional untuk peningkatan skala usaha, tidak ada akses maupun media yang mewadai upaya peningkatan skill kewirausahaan secara mandiri yang mudah diakses darimana saja dan kapan saja, dan belum adanya Gerakan yang massif mengenai peningkatkan kualitas kewirausahan menjadikan Tim Abdimas Universitas Muhammadiyah Surabaya melakukan pengabdian dengan menghadirkan Solusi berupa aplikasi Smart Self Entrepreneur (Sse) berbasis web untuk peningkatan kemandirian ekonomi perempuan khususnya kader PWNA Jawa Timur. Metode penelitian dilakukan dalam beberapa tahapan yakni persiapan, pelaksaanaan mentoring evaluasi, dan pelaporan. Hasilnya bahwa pengabdian ini mendapatkan respon yang positif dari berbagai pihak terutama dari PWNA Jawa Timur
Analisis Strategi Pemasaran Produk Pembiayaan Mitraguna Dalam Meningkatkan Jumlah Nasabah (Studi Kasus Pada Bank Syariah Indonesia Kantor Cabang Pembantu Rungkut 1 Surabaya) Paranggi, Alifia; Setiyowati, Arin
Musyarakah: Journal of Sharia Economic (MJSE) Vol 3, No 2 (2023): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v12i2.8090

Abstract

Pembiayaan  Mitra  Guna  pada BSI merupakan  layanan  pembiayaan  ragam kebutuhan  atau  multiguna  dengan  sumber  pembayaran  dari  gaji  atau pendapatan pegawai tetap. Banyaknya produk pembiayaan perbankan  syariah  yang  ada  di  Indonesia  mendorong  perusahaan bersaing  mendapatkan  nasabah  melalui  berbagai  strategi  yang  tepat. Penelitian  ini bertujuan   untuk   untuk   mengetahui   dan   menganalisis strategi pembiayaan mitraguna BSI pada KCP Rungkut 1 Surabya untuk meningkatkan jumlah nasabah. Metode   yang   digunakan   adalah   metode   kualitatif   dengan menggunakan  teknik  interview  (wawancara)  dan  teknik  dokumentasi.  Dari  hasil  penelitian diketahui   bahwa   mekanisme   pembiayaan   mitraguna   ada   3   tahapan   yaitu   :   (1) permohonan  menjadi  nasabah  mitraguna   (2)  proses  verifikasi  dokumen  nasabah,  (3) proses   pencairan   pembiayaan   mitraguna.  Dimensi  marketing mix   yang   digunakan   ada   empat   yaitu:  Produk   (Product),   Tempat (Place),  Harga  (Price)  dan  Promosi  (Promotion).  Dengan  menggunakan analisis   deskriptif   didapatkan   hasil   bahwa   dari   keempat   dimensi marketing  mix  Promosi  adalah  yang  paling  dominan  berpengaruh dalam   menarik   minat   nasabah   terhadap   pembiayaan   Mitra   Guna. 
Enhancing Quality of Life Through the Advancement of Tourism Industry in Tegaren Mijiarto, Joko; Adnyana, Made Bambang; Setiyowati, Arin; Nuryananda, Praja Firdaus
Nusantara Science and Technology Proceedings 8th International Seminar of Research Month 2023
Publisher : Future Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/nstp.2024.4114

Abstract

This article presents findings from a field study carried out in Tegaren, a popular tourism village located in Trenggalek. Tegaren has consistently ranked within the top 500 in the Anugerah Desa Wisata Indonesia for the past two years. As one of the standout tourist villages in Trenggalek, Tegaren boasts intriguing developments in its tourism sector, which piqued the researchers' interest. Utilizing a combination of interviews, observations, and a thorough review of relevant literature, the authors gathered data from various village officers. This collected information was then analyzed through qualitative research methods. To corroborate the findings, the authors also employed the TALC concept and the Better Life Index to measure the quality of life. Furthermore, an asset-based community development approach was applied to ensure the accuracy of the qualitative data. The article sheds light on the impact of the burgeoning tourism industry on specific Tegaren communities, namely besek farmers and homestay or lodging accommodation proprietors. Nevertheless, there remains ample room for further research and improvements in this study, which may be pursued in future investigations.
Virtual Assistance and Virtual Guiding for Tegaren’s Technological Enhancement Suksmawati, Herlina; Rahmatin, Leily Suci; Setiyowati, Arin; Setiawan, Tho’at; Nuryananda, Praja Firdaus
Nusantara Science and Technology Proceedings 8th International Seminar of Research Month 2023
Publisher : Future Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/nstp.2024.4123

Abstract

Tegaren stands out as one of the premier tourist destinations in Trenggalek. In both 2022 and 2023, it has been honored with a place among the top 500 recipients of the Anugerah Desa Wisata Indonesia (ADWI). This village, nestled on a hillside, also earned recognition at the 2022 Anugerah Seratus Desa Wisata Trenggalek (Sadewa). After conducting research and field visits, the previous research team identified two primary challenges facing Tegaren: 1) an aging population and 2) a lack of digital and technology-based skills among Tegaren's workforce. As a result, the proposing team has developed virtual assistance and a virtual guiding training program in collaboration with Tegaren to ensure that the local tourism sector doesn't solely rely on traditional methods but can evolve into a fully comprehensive digital village. Through the implementation of this virtual assistance and virtual guiding training program, the proposing team, along with its partners, aims to keep the tourism sector aligned with the latest technological and informational advances while enhancing the human resource capabilities within Tegaren. In addressing the issues within Tegaren, the proposing team has introduced the concept of virtual assistance and virtual guiding training, employing methodologies such as participatory rural appraisal, asset-based community development, and capacity building. This approach transforms the village community from being merely the program's target into active program participants, fostering collaboration and ensuring sustainable development for the future.
Segunung Goes Digital: Application of Virtual Tour to Kampung Adat Segunung Alawi, A. Muammar; Setiyowati, Arin; Nuryananda, Praja Firdaus
Nusantara Science and Technology Proceedings 8th International Seminar of Research Month 2023
Publisher : Future Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/nstp.2024.4142

Abstract

Kampung Adat Segunung, is one of the fostered areas and the partners of the Faculty of Social and Political Sciences UPN "Veteran" Jawa Timur since 2022. The condition of Kampung Adat Segunung which has become a popular tourism destination in Jombang regency requires that village tourism must also be managed properly. Therefore, it is necessary to prepare adequate tourism infrastructure and superstructure. In this article the author has formulated two main problems, namely 1) the threat of urbanization by Segunung youths, and 1) the existence of a technological gap from the village government and the people of Kampung Adat Segunung with the development of information technology. As one of the community service activities, the author uses two methods, they are a) asset-based community development (ABCD) as a method of social approach to the community and b) virtual tour production with a soft skills approach. The community service activities in the Kampung Adat Segunung produce virtual tour technology that can be used as a medium for disseminating tourism information on the Kampung Adat Segunung to the wider community.
Peningkatan Profesionalitas Nazhir Muhammadiyah Surabaya Melalui Good Nazhir Education (GNE) Apps Untuk Mendukung Ekosistem Wakaf Berkelanjutan Setiyowati, Arin; Huda, Fatkur; Berkah, Dian; Nadid, Erdin
Humanism : Jurnal Pengabdian Masyarakat Vol 5 No 1 (2024): April
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/hm.v5i1.21496

Abstract

Abstrak Pengelolaan wakaf yang profesinal menjadi masih menjadi tantangan bagi para pengelola wakaf, khususnya Pengelola Wakaf Muhammadiyah di Surabaya. Berada di wilayah perkotaan dan padat penduduk sehingga keberadaan lahan wakaf terkadang sulit untuk dimanfaatkan dengan baik. Membutuhakan kajian yang lebih dalam menentukan pengelolaan dan pendayagunaan harta wakaf. Kondisi tersebut tentu perlu adanya peran nadzir dalam melakukan pendayagunaan wakaf sehingga menjadi wakaf yang produktif. Persoalanya adalah rendahnya literasi wakaf dan skill pengelolaan harta wakaf sehingga pendayagunaan harta wakaf belum optimal menuju wakaf produktif. Tujuan dari kegiatan pengabdian ini adalah untuk memberikan pendampingan peningkatan profesionalitas nazhir wakaf dalam upaya optimalisasi pendayagunaan harta wakaf untuk lebih produktif dan berkelanjutan melalui GNE (Good Nazhir Education) Apps. Metode pelaksanaan program ini terdiri dari 5 tahap yaitu tahap persiapan, tahap implementasi, tahap monitoring dan evaluasi, tahap penyusunan laporan pelaksanaan kegiatan dan keberlanjutan program. Hasil yang telah dicapai adalah 1) Pengelola wakaf (nadzir) memahami perannya sampai dengan pendayagunaan harta wakaf. 2) Pengelola wakaf (nadzir) memiliki peningkatan literasi pemahaman dalam mendayagunakan harta wakaf menjadi lebih produktif dan berkelanjutan. 3) Inovasi GNE Apps dapat dimanfaatkan oleh nadzir dalam peningkatan literasi wakaf. Kata kunci: nazhir, wakaf, profesional, muhammadiyah, berkelanjutan
Co-Authors Adnyana, Made Bambang Alawi, A. Muammar Aulia Zahra, Ananda Putri Dian Berkah Haqiqi Rafsanjani Huda, Fatkur Joko Mijiarto, Joko Nadid, Erdin Nanda Pratiwi, Danisa Nuryananda, Praja Firdaus Paranggi, Alifia Rahmatin, Leily Suci Salsabilla, Salma Nadia Setiawan, Tho’at Shinta Wulandari, Athiya Suksmawati, Herlina