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All Journal El Dinar Jurnal Ekonomika dan Bisnis Islam Inspirasi: Jurnal Pengabdian dan Pemberdayaan Masyarakat
Fira Nurafini
Universitas Negeri Surabaya
Arts Humanities Economics, Econometrics & Finance Education Social Sciences Other

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ARE ISLAMIC BANKS STILL SOUND AMIDST PANDEMIC? Clarashinta Canggih; Fira Nurafini; Sri Abidah Suryaningsih; Khusnul Fikriyah; Rachma Indrarini; Fitriah Dwi Susilowati
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 10, No 2 (2022): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v10i2.17256

Abstract

The paper aims to check whether Islamic banks in Indonesia remain sound amid the Covid-19 Pandemic by comparing the soundness levels of Islamic commercial banks before and during the Covid-19 Pandemic. This research used a quantitative approach with the non-parametric Wilcoxon Signed-Rank Test to compare bank soundness before and during the Covid-19 Pandemic. The bank's resilience was measured using the Risk-Based Bank Rating (RBBR), e.g., Non-Performing Finance (NPF), Finance to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), and Net Operating Margin (NOM). The study exempted aspects of Good Corporate Governance since it is qualitative. The study used quarterly data in 2018-2019 (before the pandemic) and 2020-2021 (during the pandemic). The results showed a significant difference between CAR before and during the Covid-19 Pandemic. Meanwhile, NPF, FDR, ROA, and NOM showed no significant differences before and during the Covid-19 Pandemic. Based on the results, it can be concluded that the Covid-19 Pandemic generally does not affect the Islamic banks' soundness level, except for capital. It showed that the Islamic Bank proved to be resilient against crises. The study adds literature on the resilience of Islamic banks, particularly during the Covid-19 Pandemic, and validates the RBBR measurement to analyze the bank's soundness. In addition, the results of this study are also expected to be a consideration for policymakers to design the right policies for optimizing Islamic banks to thrive and support post-pandemic recovery.
Pelatihan Pengelolaan Keuangan Berbasis Syariah Pada PKK Kabupaten Lumajang Sri Abidah Suryaningsih; Clarashinta Canggih; Fira Nurafini; Moch. Khoirul Anwar; Maryam Bte Badrul Munir
Inspirasi: Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol. 3 No. 1 (2023): February
Publisher : Inspirasi Nusantara

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Abstract

Lumajang is one of the areas in East Java, Indonesia, with a Muslim majority population. As Muslims, we must understand sharia rules, including how to manage sharia-based finance. Based on the results of the interviews, it was found that the majority of Lumajang District PKK cadres who are Muslim still do not optimally understand how to manage finances based on Islamic rules. Therefore, financial management training is needed from a sharia perspective to increase people's knowledge and abilities in managing finances according to Islamic rules to bring goodness to the world and the hereafter. Sharia-based financial management training is carried out through preparation, pre-test, training implementation, and post-test. The training results showed that the participant's understanding of sharia-based financial management increased from an average pre-test score of 71% and an average post-test score of 85%.
INTEGRASI KEUANGAN SOSIAL (ZISWAF) DAN BISNIS PESANTREN DALAM PEMBERDAYAAN SOSIAL-EKONOMI MASYARAKAT DI JAWA TIMUR Nurlaili Adkhi Rizfa Faiza; Syarifudin Syarifudin; Fira Nurafini
Jurnal Ekonomika dan Bisnis Islam Vol 6 No 1 (2023): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v6n1.p154-165

Abstract

The high number of Islamic Boarding School and the prominence of its alumni suggest that Pesantren have a lot of promise in terms of social change and economic empowerment for communities in the surrounding area. With the establishment of the Pesantren Business Holding (HEBITREN), One Pesantren One Product (OPOP), and Pesantren Sarekat Business Cooperative (KSBP) as part of the Islamic Boarding Schools independence development program in East Java, the development of the Islamic Boarding Schools business have begun to become a special focus. Islamic Boarding Schools also operate Islamic social finance institutions such as the Amil ZIS Institution (LAZIS) and Micro Waqf Banks (BWM), which can help the local economy. This study took a qualitative approach to the library, relying on scientific research of papers, journals, and relevant agency data. This research aims to provide a synthesis of efforts to develop an alternative model of community economic empowerment in East Java through the integration of social finance (ZISWAF) and business run by Islamic Boarding Schools. The finding of the study shows that the integration of social finance with the Islamic boarding school business is able to maximize the independence and quality of Islamic boarding school education, which contributes to the ummah's and nation's economic independence.
Co-Authors Clarashinta Canggih Fitriah Dwi Susilowati Khusnul Fikriyah Maryam Bte Badrul Munir Moch. Khoirul Anwar Nurlaili Adkhi Rizfa Faiza Rachma Indrarini Sri Abidah Suryaningsih Syarifudin Syarifudin