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Peran divisi internal control pada lembaga keuangan mikro syariah Kholilah Kholilah; Kurniawati Meylianingrum; Mega Noerman Ningtyas; Tiara Juliana Jaya; Lutfi Ardhani
Jurnal Akuntansi Aktual VOLUME 7, NOMOR 2, JULI 2020
Publisher : Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um004v7i22020p155


This research is based on the rapid development of Sharia microfinance institutions that are not balanced with the professionalism of its management. The purpose of this research is to dig deeper into internal control conditions on Sharia microfinance institutions, to achieve these goals of research using qualitative methods with case study approaches. The data collection process is conducted through interviews, internal control report data collection, and FGD. The informant is the division of internal control and Operations manager at BMT X. The results showed that there are two business risks of Sharia microfinance institutions that are internal risks and external risks. The internal risks faced by Sharia microfinance institutions are human resources, institutional, and systems. External risks originating from outside the conditions of the Sharia microfinance institutions are financial technology developments and the level of outcomes that affect the capital of sharia financial institutions. Both of these risks can be minimized by optimizing internal control so that the trust to sharia microfinance institutions increases. The increased trust of stakeholders was able to restore the role of Sharia microfinance institutions as the spearhead of the lower-class community economy.
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 7 No 2 (2022): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (430.209 KB) | DOI: 10.36908/isbank.v7i2.377


Currently, the Islamic finance industry is proliferating and continues to make exciting innovations to attract customers. This innovation offers convenience and efficiency in financing Islamic banking in Indonesia. one of the product innovations offered is a sharia credit card. Unlike conventional banks' credit cards, which based on interest, this Islamic credit card still based on a contract. This study aims to look at the preferences of sharia bank customers, especially at the Surabaya branch of BNI Syariah bank, in using the iB hasanah card product. The method used in this study is a quantitative method with an explanatory approach. This study indicates that contracts, fines, fees, and services together have a positive effect on customer preferences in choosing the iB Hasanah Card product. Furthermore, each variable significantly affects customer preferences in choosing the IB Hasanah Card as an efficient payment card.
The Effect of Premium Income, Investment Returns, Claim Expenses, and Operating of Net Profit on Sharia Life Insurance Company Calista Noorma Hissiyah; Kurniawati Meylianingrum
IJIBE (International Journal of Islamic Business Ethics) Vol 8, No 1 (2023): March 2023
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.8.1.1-11


Risk is a potential loss that a company cannot predict. However, risks can be mitigated by dividing or enduring each other. This research wants to re-examine the research gap with the same theme. This research uses quantitative methods with a descriptive approach. The results showed that premium income and investment returns partially affected net profit. In contrast, claim expenses and operating expenses did not have a significant effect on net profit. Then simultaneous test results show that Premium Income, Investment Returns, Claim Expenses, and Operating Expenses to Net Profit together or simultaneously have a significant effect on net profit in Sharia life insurance.
Distribution of Zakat, Infaq, and Shadaqa Funds to Poverty in Indonesia Qonita Khoirunniswah; Kurniawati Meylianingrum; Abdelaziz Mounadil
Maliki Islamic Economics Journal Vol 3, No 1 (2023): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v3i1.21690


Poverty is an important problem that can affect the global economy, including Indonesia. The number of poverty in Indonesia is still very fluctuating, while the acquisition of zakah and infaq continues to increase from year to year. The main target in the distribution of zakah and infaq funds is to reduce to alleviate poverty. This study aims to determine the effect of zakah and infaq on poverty in Indonesia. This research uses quantitative methods with a descriptive approach. The data analysis used is multiple linear regression analysis. The results of this research showed that zakah had a significant negative influence on poverty. Infaq also has a significant negative effect on poverty. Simultaneously, zakah and infaq have a significant effect on poverty.
Wakif Preferences In Selecting Cash Waqf: A Case of Badan Wakaf Indonesia at Yogyakarta City Kurniawati Meylianingrum; Muhammad Muhajir Aminy; Mohd Aslam Mizan Aslam
IKONOMIKA Vol 5, No 1 (2020)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v5i2.7002


Cash waqf is an Islamic financial instrument which recently is developed by most Muslim scholars. This Islamic financial instrument is believed to be one alternative to solicit social funds from people, other than zakat, with a purpose to gain sustainable benefits without reducing the amount of used fund.Cash waqf is not similar to zakat that is a mandatory and an Islamic pillar for Muslims across the world. Cash waqf is a preferable (sunnah) that is encouraged to be carried out by Muslims to gain ceaseless reward from God. Muslims who spend their money for this Islamic charity have an awareness to do more kindness as a worship form to God.This study aims to analyse the influence of four independent variables, namely religiosity, trust, service quality, and promotion factor on wakif decision to select cash waqf product in Badan Wakaf Indonesia region of Yogyakarta City. The findings showed a positive significant impact, simultaneously and partially, from all observed independent variables toward the dependent variable.Another purpose of this study is to investigate a cash waqf management that is applied in the waqf institution. The duty of Badan Wakaf Indonesia as the waqf institution is only to supervise the nazhirs, waqf managers, regarding their cash waqf management. Badan Wakaf Indonesia indirectly collects and distributes all cash waqf through all its five nazhirs.Keywords: Waqf, Cash Waqf, Wakif Preferences, Wakif Decision
Optimization of Digital Branding and Marketing for Gempol MSMEs Through WhatsApp Business: Optimalisasi Digital Branding dan Marketing pada UMKM Gempol Melalui WhatsApp Business Kurniawati Meylianingrum; Elok Fa`iz Fatma El Fahmi; Tiara Juliana Jaya
Dinamisia : Jurnal Pengabdian Kepada Masyarakat Vol. 7 No. 6 (2023): Dinamisia: Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Lancang Kuning

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31849/dinamisia.v7i6.15273


The number of competitors is the main factor for entrepreneurs to enter the world of very tight competition. The right marketing and media strategies are used to reach the intended market so that the sales volume of these entrepreneurs always increases and makes a profit. The impact of information technology can develop aspects of entrepreneurial capabilities, and industrial ways to survive have developed in line with the creative economy paradigm, where innovative, proactive and risk-taking aspects are not enough in the context of the knowledge economy. This service is based on community development. The output obtained is the understanding of business actors about digital marketing. This community service's outcome is installing the WhatsApp business application and its use in marketing MSME products. The importance of using WhatsApp business features include automatic message replying features, can management of business profiles, and provide a product catalogue owned by MSMEs.