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Peran Kebijakan Fiskal Islam Dalam Mengentas Kemiskinan Melalui Program Keluarga Harapan Aminah Nur Habibah; Ruslan Abdul Ghafur; Erike Anggraeni; Anas Malik
Jurnal Ilmiah Ekonomi Islam Vol 6, No 2 (2020): JIEI, Vol.06, No. 02 Juli 2020
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1090.073 KB) | DOI: 10.29040/jiei.v6i2.1014

Abstract

This research was conducted to find the impact caused by one of the fiscal policy in alleviating poverty. This research was conducted with a qualitative approach to the method of collecting observation, documentation and interview data to the recipient community of the Hope Family Program assistance. The analysis used in this research is descriptive qualitative. The results of the study found that the implementation of the family of hope program in Ketapang District was running in accordance with the goals and objectives of the ministry of social policy in PKH. When viewed from the standpoint of Islamic economics the family hope program in Ketapang District is a positive activity in the welfare of people's lives by meeting the needs of which include Ad-daruriyyah needs, Al-hajjiyyah needs, and At-tahsiniyyah needs and Al-Kamiliyyah needs by not violating Islamic rules and law.
ANALISIS SWOT PASAR MODAL SYARIAH SEBAGAI SUMBER PEMBIAYAAN DI INDONESIA Basrowi, Basrowi; Utami, Pertiwi; Anggraeni, Erike; Nasor, Muhammad
El-Jizya : Jurnal Ekonomi Islam Vol 8 No 2 (2020): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Institut Agama Islam Negeri (IAIN) Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v8i2.3957

Abstract

The purpose of this study is to provide a literature review of the problems currently faced by Islamic Capital Markets, given that Islamic capital market products have not been used significantly as a source of financing outside of Islamic Banks. Whereas the opportunity as an alternative source of funding is quite large, especially because of the potential of the majority of Indonesian Muslims. The method used in this study is the literature method based on the most up-to-date reading sources from books and journals. Data analysis methods used are SWOT analysis so that it is expected to find the right strategic solution for using the Islamic capital market as a source of financing outside the bank. The results of the analysis indicate that the use of Islamic capital market products has a positive force by continuously maintaining its existence. Its superiority is influenced by its activities which avoid Maghrib (Maysir, haram, usury and gharar). The impact is very significant on environmental empowerment or 'green economy' because it indirectly prohibits the practice of destroying natural resources for stakeholder actors. The disadvantage is the large number of human resources in the Islamic Capital Market who are unable to use sophisticated technology appropriately and optimally. Opportunities come from technological developments and increasing public financial literacy on the Islamic capital market. The obstacle is that there is a high risk due to external factors, namely political, economic, socio-cultural changes that must be watched because there is always no certainty about it.
The Influence of Financial Ratios, Sukuk Structure and Corporate Governance on Sukuk Ratings Dwitami, Yuska Supra; Suryanto, Tulus; Noviarita, Heni; Anggraeni, Erike
Mabsya: Jurnal Manajemen Bisnis Syariah Vol 3 No 1 (2021): Mabsya: Jurnal Manajemen Bisnis Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/mabsya.v3i1.4751

Abstract

This study aims to determine the effect of financial ratios, Sukuk structure, and corporate governance on the rankings of Sukuk issued by companies listed on the Sharia Securities List for the period 2014-2018. This study uses secondary data, namely financial reports and annual reports of companies listed in the 2014-2018 Sharia Securities List, Sukuk ranking data from the website of PT. PEFINDO and data on Sukuk were still circulating during the year of observation from the website of the financial services authority. A total of 34 Sukuk issued by companies listed on the Sharia Securities List during the study period became the population in this study. The sample obtained was 15 Sukuk during 5 years of observation, so that the final sample was obtained as many as 75 observation data. The research results prove that only the profitability ratio variable influences the Sukuk rating. Meanwhile, other variables, namely liquidity ratio, leverage ratio, activity ratio, Sukuk structure, and corporate governance, do not influence the Sukuk rating
Financial Sustainability Ratio (FSR) Pada BUS di Indonesia Tahun 2012-2018: Penggunaan Metode Maqashid Syariah Index (MSI) Rohmah, Rifka Nazilatur; Noor, Ruslan Abdul ghofur; Anggraeni, Erike
Al-Tijary AL-TIJARY VOL. 6, NO. 2, JUNI 2021
Publisher : UIN Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/at.v6i2.3068

Abstract

Many methods can be used in measuring company finances, including Islamic Commercial Banks. Maqashid Sharia Index (MSI) is a measuring tool in calculating the Financial Sustainability Ratio (FSR). This study aims to measure the FSR of Islamic commercial banks using the MSI measuring instrument method. The results will see the extent to which MSI can calculate the FSR of Islamic retail banks. MSI also estimates how far MSI is connected to the FSR. The method used in this research is descriptive quantitative research. The data obtained is in the form of secondary data. The data is compiled based on the financial reports of BUS that are registered with the OJK from 2012 to 2020. Sampling was done using the purposive sampling technique. The data collection technique uses the documentation method. The analysis used includes regression test, partial test, ANOVA test, and coefficient of determination. The results showed that MSI has a positive effect on FSR. MSI also provided information that the FSR provided positive results for Islamic commercial banks by being aware of the ummah's problems.
Gejolak perbankan syariah Indonesia: tinjauan sebelum dan ketika era covid-19 perspektif ekonomi Islam Normasyhuri, Khavid; Ma'rifah, Aula Nurul; Anggraeni, Erike
INOVASI Vol 18, No 1 (2022)
Publisher : Faculty of Economics and Business Mulawarman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (0.036 KB) | DOI: 10.29264/jinv.v18i1.10501

Abstract

Penelitian yang di lakukan memiliki tujuan untuk melihat gejolak yang terjadi pada perbankan syariah Indonesia dengan mengetahui perbandingan perbankan syariah Indonesia sebelum dan ketika era covid-19 serta melihat menganalisa perbankan syariah Indonesia dalam sudut pandang ekonomi islam. Dalam penelitian yang dilakukan menggunakan jenis kuantitatif dengan pendekatan komparatif. Data yang di gunakan merupakan data sekunder pada Statistik Perbankan Syariah (SPS) Indonesia periode sebelum covid-19 yaitu Q2 2018 – Q3 2019 dan periode ketika era covid-19 terjadi yaitu Q4 2019 – Q1 2021. Uji pada penelitian ini menggunakan paired test dengan alat statistik SPSS Version 21. Hasil dalam penelitian ini dapat di simpulkan bahwa adanya perbedaan serta terjadi gejolak pada perbankan syariah Indonesia dari sebelum serta ketika era berlangsungnya terjadinya covid-19 secara signifikan.Covid -19 mengakibatkan gejolak yang dahsyat bagi perbankan syariah Indonesia sehingga perbankan syariah Indonesia melambat secara nasional dan bahkan hanya mampu tumbuh secara terbatas serta mengakibatkan prinsip kehati-hatian dari sektor perbankan syariah Indonesia yaitu risiko pembiayaan, risiko operasional maupun risiko pasar. Keberadaan dari perbankan syariah Indonesia mengenai prinsip ekonomi islam diwujudkan dengan bentuk menciptakan akses bagi umat islam untuk saling menolong berkaitan dengan muamalah dimana bank syariah mampu menjangkau seluruh lapisan dari latar belakang masyarakat.
OPTIMIZATION OF HUMAN RESOURCES QUALITY IN IMPROVING THE PERFORMANCE OF ISLAMIC BANKING EMPLOYEES Estelee Elora Akbar; Heni Noviarita; Erike Anggraeni
Jurnal Perspektif Ekonomi Darussalam (Darussalam Journal of Economic Perspec Vol 6, No 2 (2020): Jurnal Perspektif Ekonomi Darussalam
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi dan Bisnis - Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jped.v6i2.14491

Abstract

The purpose of this study was to find and review the optimization of human resourcesquality in improving the performance of Islamic banking employees. The approach used in this study was a quantitative approach by using primary data obtained through questionnaires to the Islamic banking customers located in Lampung. Sampling technique used in this studywas purposive sampling with a sample size of 100 people. Analysis of the data used in this study was simple linear regression analysis. Based on the result, the study found that there are significant quality of human resources in improving the performance of Islamic banking at 10.3%. Therefore,it needs to do the optimization of human resources quality through various efforts such as the recruitment system, the planning and training given by the company toward the employees, improving the intelligence, creativity, perseverance, as well as the professionalism of the employees.
STRATEGIES TO IMPROVE THE EMPLOYEE SATISFACTION AT ISLAMIC RURAL BANK IN LAMPUNG, INDONESIA Nurul Hida Yati; Ruslan Abdul Ghofur; Erike Anggraeni
Jurnal Perspektif Ekonomi Darussalam (Darussalam Journal of Economic Perspec Vol 6, No 1 (2020): Jurnal Perspektif Ekonomi Darussalam
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi dan Bisnis - Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jped.v6i1.14283

Abstract

This study aims to describe the strategy of increasing job satisfaction employees of the Islamic Rural Bank in Lampung, Indonesia through Islamic leadership and work ethics. The approach used in this study is descriptive verification research using survey methods. The population of this study was Islamic Rural's Bank, which amounted to 11 Islamic Rural's Financing Bank. Data were obtained by using questionnaires given to employees of two banks which were the samples of the study, namely Islamic Rural Bank Kotabumi and Islamic Rural Mitra Agro Usaha with a total sample of 43 employees. Data were analyzed using linear regression analysis. Based on the results of the study successfully proved that, "The leadership style and Islamic work ethics have a significant influence partially (t test) and simultan (f test) on employee job satisfaction." Keywords: Islamic banks, leadership, ethics, satisfaction
The Effect of Islamic Financial Literation And Financial Technology On Islamic Financial Inclusion Basrowi Basrowi; Tulus Suryanto; Erike Anggraeni; Muhammad Nasor
AL-FALAH : Journal of Islamic Economics Vol 5, No 2 (2020)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v5i2.1669

Abstract

Purpose: The purpose of this study was to determine the magnitude of the influence of Islamic financial literacy and Islamic financial technology on the inclusion of Islamic finance in students in Lampung Province both partially and simultaneously.Design Methods:The method used is a survey method. The population of this study is all smester V students and above in Islamic Economics Study Program, Islamic Banking. and sharia accounting in all State and Private Universities in Lampung Province, totaling 3080 people. The sampling technique used is proportional grain sampling, as much as 10% of the population of 308 people. Data collected using surveys, with google form. The collected data were analyzed using simple and multiple regression analysis.Findings:Based on the results of the analysis it can be concluded, first, there is a positive and significant influence between the literacy of Islamic finance on Islamic financial inclusion. Second, there is a positive and significant influence between Islamic financial technology on Islamic financial inclusion. Third, there is a positive and significant influence between Islamic financial literacy and Islamic financial technology together on Islamic financial inclusion.Originality Value: Of the two independent variables, sharia financial literacy variables contributed more than sharia financial technology variables to sharia financial inclusion.
Studi Komparasi Pertumbuhan Ekonomi Indonesia Sebelum dan Ketika Terjadinya Pandemi Covid-19 Khavid Normasyhuri; Ahmad Habibi; Erike Anggraeni
Ekonomikawan: Jurnal Ilmu Ekonomi dan Studi Pembangunan Vol 21, No 2 (2021)
Publisher : UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/ekonomikawan.v21i2.8147

Abstract

COVID-19 is having an impact on health and the economy. COVID-19 puts pressure on world economic growth, including Indonesia's economic growth. Indonesia Government Regulations administered since March 2020 regarding to the prohibition of crowding at public places and social distancing have further limited the economical activities and even have an impact to the deceleration of economic growthThis research is a comparative quantitative research. The data used is secondary data before the occurrence of COVID-19, namely three months II 2018 – three months III 2019 and when COVID-19 occurs, namely three months IV 2019 – three months I 2021. The statistical tool used is SPSS Version 21. The test used is Paired Sample T-Test. As a result, there is a significant difference in economic growth before and after COVID-19 occurs. It is happened caused by an epidemic that spreads across the country affected the growth of the global economy decreasing no exception for Indonesia economic growth the effectiveness of social distancing policy that caused blockage economy activity and presentation of Indonesia's high exposure to COVID-19 and character of society when facing economy on the epidemic situation as the factor of Indonesia’s economic growth experiencing a recession in the negative direction.
Fenomena gejolak ekonomi pada sektor perdagangan dan sektor pariwisata: studi perbandingan sebelum dan selama Covid-19 Khavid Normasyhuri; Ahmad Habibi; Erike Anggraeni
Jurnal Paradigma Ekonomika Vol. 17 No. 1 (2022): Jurnal Paradigma Ekonomika
Publisher : Program Studi Ekonomi Pembangunan Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study compares the turmoil that occurred in the trade sector and the Indonesian tourism sector before and during the COVID-19 outbreak. The research method used is quantitative with a comparative approach. The data used is secondary data sourced from the Ministry of Trade of the Republic of Indonesia and the Ministry of Tourism of the Creative Economy of the Republic of Indonesia. This study uses a statistical test tool in the form of SPSS Version 21 with Paired Sample T-Test. The results showed significant differences in the trade sector before the onset of covid-19 and during the occurrence of covid-19. This occurred from the spread of Covid-19, which caused supply and demand shocks. The decline in trade reflects rising trade costs, disruptions to transportation, logistics, supply chains, and trade restrictions. Furthermore, there are significant differences in the tourism sector before the onset of covid-19 and during covid-19. This happened due to travel restrictions imposed by the government, causing a reduction in both domestic and international travel. The spread of the COVID-19 pandemic has caused foreign tourists to cancel trips and book tickets on a large scale, and the reluctance of tourists to visit is influenced by concerns about the impact of tourism travel during the pandemic.