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Towards Understanding Economic Growth in Indonesia: Reinterpretation Of Lewis Model In Improving Lingving Standars of Agricultural Sector Workforce Evidence From Indonesia Reni Furwanti; Hardiyono Hardiyono; Dini Maulana Lestari
Jurnal Sosial Ekonomi Pertanian Vol 17 No 1 (2021): Februari, 2021
Publisher : Hasanuddin University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20956/jsep.v17i1.13760

Agricultural has a prominent role in maintaining the equilibrium of economic condition. Nevertheless, most people have a tendency that this agricultural sector is not prospective enough in improving their living standard, then they decide to be an employee which is already crowded. Thus, this study will discuss and learn about Lewis's model of two-sector economics regarding to reinterpretation of this condition. The purpose of this research is to formulate the right model in improving the standard of living of agricultural sector workers. In this study will use quantitative methods with descriptive analysis to develop the models offered by Lewis. The results obtained by minimizing the massive transformation of agricultural sector workers to industrial sector workers can reduce the inequality in terms of employment. Where agricultural sector workers can upgrade their skills with the help of government social programs, namely labor-intensive programs so that farmers can prosper without leaving their main professions to become farmers, so that the employment sector industry does not expand (especially in urban industries).

RIBA IN TIME VALUE OF MONEY CONCEPT PERSPECTIVE OF SHARIA LAW Arifin S; Dini Maulana Lestari; Reni Furwati
Jurnal Ilmiah Al-Tsarwah : ilmu ekonomi dan keuangan (konvensional dan syariah) Vol 4, No 2 (2021)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v4i2.2358

AbstractRiba is a soul of conventional economy system. Every transaction activityin that system has strong correlation withit. Furthermore, riba becomes the main basic foundation of investment tool regarding to evaluating such a proper investment in conventional financing system. The certain view of time value of money concept is positive time preference toward an investment, it means that such an investment definitely would give a profit which is full of riba due to discount rate method calculation as the main analysis tools, and of course that comprehension is contradict through Islamic economy concept. Nevertheless, is that analysis investment method forbidden if it applies on such an investment which is no riba into it, or are the investors wrong if they would like to get such a surplus or benefit from the investment? This research discusses the concept of riba in time value of money theory. Also, this is kind of qualitative research with library method approach. As the result, this research delineates that time value of money is containing riba in the term of concept. However, if this concept is only used as the analysis tool regarding to knowing and evaluating such investment (read-without riba) proper or improper, it could not be catagorized as riba. Keywords: Riba, Time value of Money, Investment, Sharia Law.

PENGUNGKAPAN CORPORATE SOCIAL RESPONSIBILITY DAN PERSEPSI RISIKO: PREFERENSI MASYARAKAT DALAM BERINVESTASI PADA PERUSAHAAN EMITEN YANG TERDAFTAR DI JII Reni Furwanti; Dini Maulana Lestari; Hardiyono Hardiyono
Jurnal Ilmiah Al-Tsarwah : ilmu ekonomi dan keuangan (konvensional dan syariah) Vol 3, No 2 (2020)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v3i2.1149

Penelitian ini akan membahasa mengenai pengungkapan CSR dan persepsi risiko yang digunakan sebagai preferensi bagi masyarakat dalam berinvestasi pada perusahaan emiten yang terdaftar di JII. Tujuan yang hendak dicapai adalah untuk mengetahui apakah terdapat pengaruh pengungkapan CSR dan persepsi risiko yang signifikan terhadap minat investasi masyarakat pada Perusahaan Emiten yang terdaftar di JII. Jenis penelitian ini menggunakan penelitian kuantitatif yang akan dilakukan dengan menggunakan uji regresi linier berganda. Hasil penelitian menunjukkan bahwa secara parsial, pengungkapan CSR dan persepsi risiko berpengaruh positif namun tidak signifikan terhadap minat investasi masyarakat pada Perusahaan Emiten yang terdaftar di JII. Sedangkan secara simultan, keduanya berpengaruh signifikan..

Sinergitas Perbankan dan Financial Technology: Ikhtiar Menuju Inklusivitas Keuangan Masyarakat Unbankable Abdul Aziz; Dini Maulana Lestari; Reni Furwanti
Jurnal Dinamika Ekonomi & Bisnis Vol 17, No 1 (2020)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jdeb.v17i1.1058

Financial technology era is forced such financial institutions become digitalize in today’s world regarding to increasing financial inclusion and empowering unbanked societies. Nevertheless, this phenomenon is not override the function of bank which is the earlier financial institution that is splashing around in the term of financial inclusion. Actually, those two financial institutions have such strengthen and weakness in order to operate their primary activities in the term of funding and financing, thus, if banking and financial institutions are collaborating it could be fulfilled their main function each other regarding to rising up such financial inclusion of unbanked society. This research discusses the cooperation between banking and financial technology institutions in order to increase financial inclusion of unbanked society. Also, this is kind of qualitative descriptive research through the philosophy of positivism approach. As the result, this research delineates if bank and financial technology institutions are collaborating it could increase the rate of financial inclusion of unbanked citizens effectively and efficiently, not only that, but it would worth for those two institutions in the term of operational.

KRITIK TERHADAP IMPLEMENTASI AKAD MUSYARAKAH DI PERBANKAN SYARIAH: CRITICISM OF MUSYARAKA CONTRACT IMPLEMENTATION AT SHARIA BAKING Dini Maulana Lestari
NISBAH: Jurnal Perbanka Syariah Vol. 7 No. 1 (2021): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v7i1.3115

Musyarakah merupakan salah satu kontrak bisnis Islam. Akad tersebut dalam konotasi bisnis khsusnya di bank syariah dikenal sebagai akad bagi hasil, yang menjadi karakteristk dari industrii perbankan syariah. Namun, terdapat beberapa catatan mengenai mekanisme pelaksanaan akad tersebut di bank syariah yang dinilai belum sesuai dengan prinsip syariah. Artikel ini bertujuan untuk mengulas lebiih dalam mengenai apakah implementasi akad musyarakah di perbankan syariah sudah sesuai dengan prinsip-prinsip syariah itu sendiri. Penelitian ini merupakan penelitian desktiptif kualitatif dengan pendekatan library research. Hasil dari penelitian ini menunjukkan bahwa perlu adanya upaya konkret dalam hal ini ialah monitoring dan evaluasi oleh bank syariah ketika melakukan kontrak musyarakah dengan nasabah dalam rangka merealisasikan prinsip-prinsip syariah itusendiri.

Do Poverty and Human Development Index Influence Happiness? Evidence from Indonesia through Islamic Studies Approach Dini Maulana Lestari; Aziz Muslim; Reni Furwanti; Iin Solikhin
el-Jizya : Jurnal Ekonomi Islam Vol. 10 No. 1 (2022): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

This research aims to examine the relationship between poverty and human development index to happiness rate in Indonesia through Islamic studies approach. This is because poverty Indonesia till become a prominent economic issue but, it has a high rate of happiness compared to another developed country in ASIA at the same time. Besides, to reach such happiness, it also needs a great human development as an indicator to create welfare of such countries. This is a quantitative research with multiple regressions, using macro-economic data since 2014 & 2017 from 33 provinces of Indonesia as a sample. The result revealed that poverty and human development index have a positive significant effect on happiness. Then, this empirical finding is in line with the concept of maqāṣid al-syariah, specifically hifdz al- dīn and hifdz al-‘aql.

Criticism of Margin Actualization in Murābahah Financing at Sharia Banking Evidence from Indonesia Reni Furwanti; Dini Maulana Lestari; Abdul Mustaqim; Iin Solikhin
Ijtimā iyya Journal of Muslim Society Research Vol. 8 No. 1 (2023)
Publisher : Postgraduate Program, State Islamic University Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ijtimaiyya.v8i1.6113

This study aims to analyze margin actualization of murābaha contract. It is because, although murābaha is a favorable financing contract at sharia banking, it still has problem due to the related issue. This happens due to lack of trust form such customers, who have a tendency that sharia bank is the same with conventional bank due to the issue of margin actualization. This is a qualitative descriptive reseach with library reseach approach, exploring the issue and relating to the Islamic study to get such deep analysis. The result revealed that relating to the issue it needs such a fatwa or other binding which aligned with sharia principles, and such reconstruction of the contract which appropriate with sharia principle reflected by maqāṣid al-sharia.

KONTRIBUSI PEMIKIRAN ETIKA BISNIS ALGHAZALI PADA INDUSTRI PERBANKAN SYARIAH DI INDONESIA Dini Maulana Lestari
Ijtihad Vol. 14 No. 1 (2020)
Publisher : Universitas Darussalam Gontor

Islam sangat mengajurkan umatnya untuk melakukan kegiatan muamalah yang tentunya harus disesuaikan dengan prinsip-prinsip dasar Islam yang dijadikan sebagai landasan utama dalam melakukan bisnis. Bank syariah merupakan representasi usaha dalam bidang keuangan berbasis syariah yang menunjukkan trend positif atas tingkat pertumbuhannya di Indonesia. Hal tersebut menjadi tantangan tersendiri bagi industri perbankan syariah yang harus menjaga keseimbangan antara ketentuan syariah dan hukum bisnis yang berlaku. Mengingat urgensi penerapan prinsip etika bisnis Islam pada industri perbankan syariah, maka tujuan artikel ini adalah mencoba mendiskusikan implementasi konsep etika bisnis al-Ghazali dalam industri perbankan syariah. Penelitian ini menggunakan pendekatan deskriptif kualitatif eksploratif dengan metode kepustakaan (library research). Hasil dari penelitian ini ialah bahwa berdasarkan pada konsep pemikiran ekonomi yang ditawarkan oleh al-Ghazali merupakan suatu konsep yang mengarahkan pada sistem ekonomi yang lebih etis, manusiawi, dan berkeadaban. Dengan demikian penting bagi bank syariah dalam menerapkan konsep etika bisnis Islami.

Assimilating Islamic Banking Customer Loyalty: A Halal Brand Personality Perspective Model Raden Roro Fosa Sarassina; Reni Furwanti; Dini Maulana Lestari
ETIKONOMI Vol 22, No 2 (2023)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v22i2.31566

As Indonesian government promotes Indonesia as the center of the Halal Industry Nation, numerous strategies are being implemented across every sector, including Islamic Financial Institution. This research focuses investigating factors that can influence customer loyalty. To bridge this gap, the study aims to create a model for increasing customer loyalty based on the Halal Brand Personality approach, by exploring competitive advantage as a mediating variable. This research is considered important due to the relatively small market share of Islamic banking in Indonesia, which faces intense competition. This is an explanatory research with a quantitative approach that employs survey method to collect 225 data points. Structural Equation Modeling (SEM) is used to analyze the direct and indirect relationship of each variable. It was found that from all the hypotheses, six were rejected, and the model was validated. The result delineated that the model proposed in this research can assist branch managers in maximizing and strengthening Islamic banking’s distinctive products and sophisticated technology, which are its primary competitive advantages when competing with other banking sectors.JEL Classification: M20, M21, M31How to Cite:Sarassina, R. R. F., Furwanti, R., & Lestari, D. M., (2023). Assimilating Islamic Banking Customer Loyalty: A Halal Brand Perspective Model. Etikonomi, 22(2), 247 – 262. https://doi.org/10.15408/etk.v22i2.31566.

Criticism of Sharia Supervisory Board Position at Islamic Financial Institution: Evidence from Indonesia Hardiyono Hardiyono; Dini Maulana Lestari; Reni Furwanti; Ifah Finatri Latiep
IQTISHODUNA IQTISHODUNA (VOL.19, No.2, 2023)
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/iq.v19i2.20753

This research aims to analyze and critic the role of Sharia Supervisory Board (SSB) at Islamic Financial Institution. This considered iportant because SSB is a core organization of Islamic Financial Institutions (IFIs) to legitimate and maintan all IFIs’ operational activities that have to appropriate through sharia compliance. Nevertheless, the position of SSB in Indonesia is lack of power and independecy while doing its duties, which absolutely this issue does not accordance through fatwa of National Sharia Council regarding to SSB’s position and funcition. This research criticize the position and function of SSB on sharia audit for IFIs. This is a qualitative research with library method approach. Furthermore, this research delineates, that there is such a decentralization position and function of SSB due to lack of power and decentral position of SSB when carry out its duties regarding to supervising IFIs whether are appropriate through sharia compliance or not. Thus, it requires such a training in order to boost independency of SSB when supervise IFIs.

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