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All Journal International Journal of Evaluation and Research in Education (IJERE) Journal of Education and Learning (EduLearn) IQTISHADIA At-Taqaddum Al Tijarah IJBE (Integrated Journal of Business and Economics) Muaddib : Studi Kependidikan dan Keislaman Dinamis : Journal of Islamic Management and Bussiness Ihtifaz: Journal of Islamic Economics, Finance, and Banking Jurnal Pemberdayaan: Publikasi Hasil Pengabdian Kepada Masyarakat Journal of Institution And Sharia Finance MADANIA: JURNAL KAJIAN KEISLAMAN JESI (Jurnal Ekonomi Syariah Indonesia) IJISH (International Journal of Islamic Studies and Humanities) Journal of Global Business and Management Review TRIDARMA: Pengabdian Kepada Masyarakat (PkM) Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Journal of Islamic economy and Community Engagement At-Tasharruf : Jurnal Kajian Ekonomi dan Bisnis Syariah AKM: Aksi Kepada Masyarakat Prosiding Seminar Nasional Program Pengabdian Masyarakat Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Journal of Halal Science and Research
Rofiul Wahyudi
Universitas Ahmad Dahlan
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Public Health Social Sciences Other

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Determinants of Profitability in Indonesian Islamic Banking: Case Study in the COVID-19 Period Rofiul Wahyudi; Lu’liyatul Mutmainah; Faiza Husnayeni Nahar; Mufti Alam Adha; Akhmad Arif Rifan
Integrated Journal of Business and Economics (IJBE) Vol 5, No 1 (2021): Vol 5, No 1 (2021)
Publisher : Fakultas Ekonomi, Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (357.957 KB) | DOI: 10.33019/ijbe.v5i1.333

Abstract

With a high level of COVID-19 virus spread throughout the world, Indonesia is one of the countries in Southeast Asia affected by the largest transmission chain. This affects various layers of the industry in this country, one of which is financial institutions and the banking system. This paper tries to look at the performance of Islamic banking in the face of the COVID-19 pandemic. Using the linear regression method, the authors use ROA as the dependent variable. Whereas CAR, NPF, FDR, and BOPO as independent variables. The results show that CAR and BOPO have significant results while the rest do not show satisfactory results. It can be concluded that during the pandemic, Islamic banking experienced a pretty good and convincing performance.
STRATEGI PEMASARAN DALAM MENINGKATKAN NASABAH PRODUK PEMBIAYAAN MURABAHAH PADA KSPPS BAITUT TAMWIL TAZAKKA Husein Adi Negoro; Rofiul Wahyudi
Journal of Global Business and Management Review Vol 3 No 1 (2021): Journal of Global Business and Management Review
Publisher : Program Sarjana Manajemen Universitas Internasional Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37253/jgbmr.v3i1.4985

Abstract

The purpose of this study is to investigate marketing strategies that include product, price, place, promotion in increasing customers of murabahah financing products at KSPPS Baitut Tamwil Tazakka. The population used is all members of the Tazakka KSPPS in Pekalongan. The sampling technique used is purposive sampling, one head of marketing, one head of KSPPS, and one marketing finance. Data collection techniques use interviews and data analysis techniques in three stages: reduction, data presentation, and conclusion. The findings of this study indicate that the strategy implemented by KSPPS Baitut Tamwil Tazakka for murabahah financing is effective
Debt And Equity-Based Financing, Size And Islamic Banks Profitability: Empirical Evidence From Indonesia Rofiul Wahyudi; Siti Mujibatun; Riduwan Riduwan
IQTISHADIA Vol 12, No 2 (2019): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v12i2.3539

Abstract

Islamic Banking as a financial institution functions to collect and distribute funds to the public. To carry out these functions, the capital structure scheme uses debt and equity based financing. In addition, the implementation is also influenced by the size which ultimately affect the performance of Islamic banking. This study aims to examine debt and equity-based financing, size and Islamic banks profitability: empirical evidence from Indonesia. The research method used is model estimation test of Moderated Regression Analysis (MRA) to see size as moderation variable. Banks profitability is represented by ROA and ROE. This study uses Islamic bank panel data from financial reports published during the sample period covering 2008-2017. The empirical findings show that debt and equity-based financing affect banks profitability. Furthemore, bank size does not moderate the debt and equity-based financing relationship to Islamic banks profitability.
Analisis Pengaruh CAR, NPF, FDR, BOPO dan Inflasi terhadap Profitabilitas Perbankan Syariah di Indonesia: Studi Masa Pandemi Covid-19 Rofiul Wahyudi
At-Taqaddum Vol 12, No 1 (2020)
Publisher : Quality Assurance Institute (LPM) State Islamic University Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/at.v12i1.6093

Abstract

Corona Virus Desease 19 (Covid-19) is a pandemic that has spread to almost all countries, including Indonesia. As a result, impacts to various types of sectors are not only health, but also the banking system. The purpose of this study to analyze the CAR, NPF, FDR, ROA and inflation on the profitability of Islamic banking days of the pandemic Covid-19. This research method is quantitative descriptive using secondary data for the first quarter of 2020 obtained from the official pages of each bank and inflation data from the Central Statistics Agency (BPS) page. Purposive sampling selected in this study were that the total sample of 11 Islamic Banks. Statistical test results show simultaneously CAR, FDR, NPF, BOPO and Inflation have an impact on ROA even during the Covid-19 pandemic. This finding has practical implications for customers that make it possible to continue using Islamic banking services.
PELATIHAN PENGAWAS KOPERASI SYARIAH BERSERTIFIKASI DI DAERAH ISTIMEWA YOGYAKARTA Rofiul Wahyudi; Riduwan Riduwan; Akhmad Arif Rifan
Jurnal Pemberdayaan: Publikasi Hasil Pengabdian Kepada Masyarakat Vol. 3 No. 3 (2019)
Publisher : Universitas Ahmad Dahlan, Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/jp.v3i3.757

Abstract

Dewan Pengawas Syariah (DPS) di Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) yang bersertifikasi jabatan pengawas syariah menjadi kebutuhan yang mendesak. Hal ini disebabkan terbatasnya jumlah DPS yang bersertifikasi di lembaga keuangan mikro syariah. Oleh karena itu, kegiatan ini bertujuan memberikan pelatihan sebagai bekal bagi Dewan Pengawas Syariah di Daerah Istimewa Yogyakarta dalam menjalankan tugas dan wewenangnya. Metode pelatihan ini menggunakan klasikal dengan menerapkan kombinasi metode: ceramah, diskusi dan role play. Hasil pelatihan menunjukkan bahwa adanya peningkatan pemahaman DPS terhadap aspek kesyariahan. 
The efficiency of Amil Zakat Institutions (LAZ) in Indonesian Islamic Banks: Data Envelopment Analysis Approach Rofiul Wahyudi; Agus Susetyohadi
Madania: Jurnal Kajian Keislaman Vol 25, No 2 (2021): DECEMBER
Publisher : IAIN Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/madania.v25i2.4978

Abstract

The Amil Zakat Institution (LAZ), based on Islamic bank corporations, has shown a significant role based on the mandate of the 2008 law on the social functions of Islamic banks. However, a performance evaluation is needed to see how efficient the LAZ is in its operations. This study aims to analyze the level of efficiency of the LAZ of Islamic bank corporations in Indonesia. This research method uses a quantitative design with an associative approach. The research subjects were five. Due to limited data, two samples were taken, namely the LAZ of Islamic bank corporations, including Baitulmal Bank Muamalat (BMM) Indonesia and BSM Ummah (BSMU). Efficiency analysis uses the Data Envelopment Analysis (DEA) method of production, asset and intermediation approaches, and the data is tested using Warwick DEA software. The results of this study indicate that all OPZ based on Islamic banks have efficient performance with a value of 100% both on the assumption of Constant Return to Scale (CRS) and Variable Return to Scale (VRS). This means that OPZ from Islamic bank corporations can collect and distribute ZISWA funds. The results of this study also indicate that there are limitations to the research carried out. The researcher recommends further research to add other, more comprehensive approaches, such as intermediation and assets. Lembaga Amil Zakat (LAZ) berbasis korporasi bank syariah telah menunjukkan peran yang signifkaan berdasarkan amanat undang-undang 2008 tentang fungsi sosial bank syariah. Namun, demikian, diperlukan evaluasi kinerja untuk melihat seberapa efisien LAZ tersebut dalam operasionalnya. Tujuan penelitian ini untuk menganalisis tingkat efisiensi LAZ korporasi bank syariah di Indonesia. Metode penelitian ini menggunakan desain kuantitatif dengan pendekatan asosiatif. Subyek penelitian berjumlah lima. Adanya keterbatasan data, diambil dua sampel yakni LAZ korporasi bank syariah meliputi Baitulmal Bank Muamalat (BMM) Indonesia dan BSM Umat (BSMU). Analisis efisiensi menggunakan metode Data Envelopment Analysis (DEA) pendekatan produksi, asset dan intermediasi dan data diuji dengan menggunakan software Warwick DEA. Hasil penelitian ini menunjukkan semua OPZ berbasis bank syariah mempunyai kinerja efisien dengan nilai 100% baik asumsi Constant Return to Scale (CRS) dan Variable Return to Scale (VRS).  Artinya OPZ dari korporasi bank Syariah mempunyai kemampuan  menghimpun dan menyalurkan dana ZISWA. Hasil penelitian ini juga menunjukkan adanya keterbatasan penelitian yang telah dilakukan  Peneliti merekomendasikan penelitian selanjutnya untuk menambahkan pendekatan lain yang lebih komprehensif seperti dalam aspek  intermediasi dan asset.
Analisis Kinerja Perbankan Syariah di Indonesia : Studi Masa Pandemi Covid-19 Allselia Riski Azhari; Rofiul Wahyudi
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 10, No 2 (2020)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (315.123 KB) | DOI: 10.21927/jesi.2020.10(2).96-102

Abstract

The Covid-19 pandemic has spread to various countries, including Indonesia. As a result, almost all sectors experienced contractions, including Islamic banking. However, Islamic banking is considered quite capable of surviving the storm of impact based on the previous crises' empirical facts. The purpose of this study is to analyze how the performance of Islamic banking during the Covid-19 pandemic. This research method uses a descriptive approach with a sample of 14 Islamic Commercial Banks in Indonesia. Secondary data in the form of financial report panel data is the source of data for the January - July 2020 period, obtained from the monthly reports of each Islamic bank. The results showed that Islamic banking performance based on debt financing fluctuated, while the performance based on equity financing experienced growth. The performance of third party funds has fluctuated.
PENGARUH HAFALAN AL-QUR’AN TERHADAP PRESTASI AKADEMIK MAHASISWA FAI UNIVERSITAS AHMAD DAHLAN YOGYAKARTA Suwandi Suwandi; Rofiul Wahyudi
MUADDIB Jurnal Kependidikan dan Keislaman Vol. 10 No. 1 (2020)
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (763.979 KB) | DOI: 10.24269/muaddib.v1i1.1760

Abstract

This study aims at determining the effect of reciting the Koran to the academic achievements of the students of the Faculty of Islam, Universitas Ahmad Dahlan Yogyakarta. The research method applied in this study was descriptive quantitative approach. The population is all students of the Faculty of Islam while the sample selection is based on the non-probability sampling method, especially the purposive sampling method, which amounts to 62 out of 70 respondents who are memorizers of the Koran. The instrument used in this study was a questionnaire containing closed questions. The data analysis technique used descriptive statistical analysis with PSPP 1.2. The findings showed that there was a positive and significant influence of memorizing the Koran to the students' academic achievement. The statistical test results showed a significant value of 0.000, which meant a positive and significant effect
Debt And Equity-Based Financing, Size And Islamic Banks Profitability: Empirical Evidence From Indonesia Rofiul Wahyudi; Siti Mujibatun; Riduwan Riduwan
IQTISHADIA Vol 12, No 2 (2019): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v12i2.3539

Abstract

Islamic Banking as a financial institution functions to collect and distribute funds to the public. To carry out these functions, the capital structure scheme uses debt and equity based financing. In addition, the implementation is also influenced by the size which ultimately affect the performance of Islamic banking. This study aims to examine debt and equity-based financing, size and Islamic banks profitability: empirical evidence from Indonesia. The research method used is model estimation test of Moderated Regression Analysis (MRA) to see size as moderation variable. Banks profitability is represented by ROA and ROE. This study uses Islamic bank panel data from financial reports published during the sample period covering 2008-2017. The empirical findings show that debt and equity-based financing affect banks profitability. Furthemore, bank size does not moderate the debt and equity-based financing relationship to Islamic banks profitability.
PkM: Pelatihan Peningkatan Literasi Perbankan Syariah Berbasis Digital Platform Rofiul Wahyudi; Priyono Puji Prasetyo Priyono; Allselia Riski Azhari Allselia; Viki Erlina Septiviana Viki
TRIDARMA: Pengabdian Kepada Masyarakat (PkM) Vol. 5 No. 1 (2022): TRIDARMA: Pengabdian Kepada Masyarakat (PkM)
Publisher : Institute of Computer Science (IOCS)

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

Abstract

Rendahnya literasi masyarakat tentang produk dan layanan perbankan syariah masih menjadi pekerjaan yang belum tuntas di Indonesia. Apalagi dengan hadirnya era revolusi industri 4.0 yang ditandai dengan masifnya layanan-layanan seperti perbankan digital, asuransi digital online, sistem saluran pembayaran dan platform pinjaman online dan lain sebagainya merupakan bagian dari pemanfaatan layanan tersebut. Oleh karena itu, diperlukan pelatihan untuk meningkatkan literasi perbankan syariah berbasis platform digital. Metode pelatihan ini menggunakan bentuk pengajian/ceramah agama dan simulasi digital banking pada platform aplikasi KARI: Kalkulator Anti Riba dalam forum review resmi mingguan Pimpinan Cabang Muhammadiyah Balecatur, Gamping Sleman, DIY. Hasil pelatihan menunjukkan adanya peningkatan keterampilan mitra pengabdian.
Co-Authors Agus Susetyohadi Ahdiana Yuni Lestari Ahmad Arif Rifan Ajeng Putri Mahendra Akhmad Arif Rifan Allselia Riski Azhari Allselia Riski Azhari Allselia Anggi Indrawati Cahyannisa Pertiwi Danang Wahyu Muhammad Dwi Santosa Pambudi Pambudi Fadia Haya Putri Faiza Husnayeni Nahar Ferry Khusnul Mubarok Hafifuddin Hafifuddin Husein Adi Negoro Isnaini Ulfa Rinda Sari Julia Noermawati Eka Satyarini Lina Handayani Lu'liyatul Mutmainah Lu'liyatul Mutmainah Maimunah Binti Ali Mia Rizka Tusyani Muhammad Fauzi Abdullah Niken Sri Rahayu Nuryana, Zalik Oril Presti Nurani Priyono Puji Prasetyo Riduwan Riduwan Shah Amelia Manggala Putri Siti Mujibatun Suwandi Suwandi Suyadi, Suyadi Viki Erlina Septiviana Viki