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All Journal Journal of Economic, Public, and Accounting (JEPA) Airlangga Journal Innovation Management International Journal of Health, Economics, and Social Sciences (IJHESS) Balanca : Jurnal Ekonomi dan Bisnis Islam Moneta: Jurnal Manajemen & Keuangan Syariah
Damirah
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Public Health Social Sciences

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KERJASAMA KINERJA KEUANGAN ANTARA TRAVEL PT. AN-NUR MA’ARIF SIDRAP DAN AMITRA SYARIAH (ANALISIS MANAJEMEN KEUANGAN SYARIAH) Nirmala Sari; Nurhayati Ali; Damirah
Moneta: Jurnal Manajemen & Keuangan Syariah Vol 1 No 2 (2022): MONETA : Jurnal Manajemen dan Keuangan Syariah
Publisher : Program Studi Manajemen Keuangan Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (198.008 KB) | DOI: 10.35905/moneta.v1i2.3487

Abstract

Penelitian ini bertujuan mengetahui kerjasama pengelolaan keuangan antara An-nur Ma’arif dan Amitra Syariah, serta mengetahui analisis manajemen keuangan syariah antara An-nur Ma’arif dan Amitra Syariah. Jenis penelitian ini menggunakan deskriptif kualitatif dimana jenis data dalam penilaian ini adalah data primer dan data sekunder. Teknik pengumpulan data menggunakan Teknik observasi, wawancara, dan dokumentasi serta dianalisis dengan metode reduksi data dan display data hingga menghasilkan kesimpulan yang bersifat verifikasi. Hasil penelitian menunjukkan bahwa; pertama, kerjasama travel PT. An-nur Ma’arif dan Amitra Syariah fokus dipembiayaan Haji dan Umrah, saat ini hanya menjalankan khusus umrah karena kurangnya minat jama’ah untuk berangkat dikarenakan kondisi saat ini belum stabil. Pembiayaan didefinisikan sebagai “jual beli” artinya An-nur menawarkan produk Haji dan Umrah pada Amitra dibeli secara cash. Selanjutnya jama’ah membayar secara angsur di Amitra Syariah. Beberapa nasabah Amitra terkendala pada saat pembayaran yang sudah jatuh tempo namun dananya belum terkumpul. Serta pemberangkatan haji dan umrah tertunda dikarenakan sampai saat ini belum ada izin untuk melakukan perjalanan haji dan umrah. Kedua, analisis manajemen keuangan syariah dapat dijelaskan pada fungsi manajemen, cara merencanakan keuangan, mengelolanya dengan benar, melalui pengawasan, serta tidak lupa cara pengevaluasian yang sudah disusun di awal perencanaan.
Pengaruh Ekonomi Makro terhadap Perubahan Laba Operasional Bank Umum Syariah di Bursa Efek Indonesia Siti Nuraeni; Hj. St Nurhayati; Hamid, Abdul; Semaun, Syahriyah; Damirah
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 4 No 1 (2022): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v6i1.3646

Abstract

This study endeavors to achieve the following objectives: (1) assess the extent of fluctuation in the operational profit of Islamic commercial banks, (2) investigate the impact of inflation on operational profit changes in Islamic commercial banks, (3) analyze the correlation between changes in national income and operational profit in Islamic commercial banks, (4) establish a significant and positive macroeconomic relationship with operational profit variations in Islamic commercial banks, (5) quantify the magnitude of macroeconomic influences on operational profit changes in Islamic commercial banks, and (6) explore potential simultaneous effects of inflation and national income on operational profit changes in Islamic commercial banks. The research employs a descriptive quantitative approach. The findings indicate a substantial and sharp decline in the operational profit of Islamic commercial banks during the period 2019-2021. While the partial analysis reveals no significant impact of inflation on operational profit changes in Islamic commercial banks, a similar lack of influence is observed between national income changes and operational profit fluctuations in Sharia commercial banks. Conversely, the study establishes a positive and statistically significant correlation between macroeconomic variables and operational profit changes in Islamic commercial banks. The Adjusted R Square value stands at 10%. Notably, a simultaneous analysis of inflation and national income variables suggests no combined effect on operational profit changes in Islamic commercial banks.
Analisis Potensi Pasar Tradisional dalam Meningkatkan Perekonomian Daerah Sumiati; Sulkarnain; Sitti Jamilah Amin; Damirah
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 4 No 2 (2022): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v4i2.4823

Abstract

The potential of the market must be developed properly to improve the community's economy in accordance with Islamic law. The purpose of this study is to determine the potential of the market and the perspective of Islamic economic views on traditional markets in the Sidenreng Rappang area, especially in the Rappang area. By understanding the market's potential, it is hoped that the community can maximize management to have an impact on improving their economy. The research was conducted at the Rappang Central Market using a qualitative method with a sociological approach and data collection techniques through surveys, literature studies, observations, and interviews. The results showed that the Rappang Central Market has the potential to improve the economy of traders in the market by looking at the absorption of local commodities, as well as a short supply chain of basic needs from suppliers to consumers, having market segmentation in the area and increasing business opportunities for women. So, by maximizing the potential that exists in the Rappang Central Market is able to play a role in increasing the economic independence of the people around the Rappang Central Market. The results of research on the perspective of sharia economic views show that buying and selling transactions both in terms of merchandise sold, weighing tools, usury and Gharar, prices, and business ethics of traders at the Rappang Central Market do not violate Islamic law. The results of this study can be used as input for stakeholders to pay attention to the regional economy which is supported by traditional markets.
PENGARUH RASIO PROFITABILITAS TERHADAP KINERJA KEUANGAN BANK MEGA KC PAREPARE Milniati, Misna; Firman; Damirah
Moneta: Jurnal Manajemen & Keuangan Syariah Vol 1 No 1 (2022): MONETA : Jurnal Manajemen dan Keuangan Syariah
Publisher : Program Studi Manajemen Keuangan Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (188.598 KB) | DOI: 10.35905/moneta.v1i1.3207

Abstract

Penelitian ini merupakan jenis penelitian kuantitatif, dengan menggunakan pendekatan deskriptif. Data kuantitatif merupakan data berupa angka-angka, laporan keuangan (neraca dan laba-rugi) dan rasio-rasio keuangan, Hasil penelitian Berdasarkan data laporan Kinerja Keuangan tahun 2019 total aset 100.800,8 miliar lebih < dari tahun sebelumnya yaitu 83.761,9 miliar, dengan Ikhtisar Kinerja aspek berkelanjutan yaitu :Pendapatan bunga bersih Rp 3.583,5 Miliar pada tahun 2019, Pendapatan selain Bunga Rp 2.389,6 Miliar Tahun 2019 danLaba bersih sebesar Rp 2.002,7 Miliar ditahun 2019. Total aset Bank Mega pada tahun 2020 meningkat menjadi Rp112,20 triliun atau tumbuh 11,31% dari tahun sebelumnya sebesar Rp100,80 triliun. Pertumbuhan laba tersebut dikontribusi dari naiknya pendapatan bunga bersih (Net Interest Income/NII) sebesar 9,21% menjadi Rp3,91 triliun dari Rp3,58 triliun di tahun 2019. Selain itu, juga ditopang dari naiknya fee based income sebesar 26,02% menjadi Rp2,92 triliun dari Rp2,32 triliun di tahun 2019. Dana Pihak Ketiga (DPK) meningkat sebesar 8,79% menjadi Rp79,19 triliun dari tahun 2019 sebesar Rp72,79 triliun. Pada tahun 2021 laporan posisi keuangan 31 Desember 2021 yang telah melalui proses audit dengan memperhatikan laporan laba rugi dan penghasilan komprehensif lain, laporan perubahan ekitas dan laporan arus kas untuk tahun yang berakhir.Laporan Posisi Keuangan (Aset) memiliki Total Aset Keseluruhan Pa da tahun 2021 Sebesar 132.879.390., Laporan Posisi Keuangan (Liabilitas dan Ekuitas) Memiliki Total Liabilitas sebanyak 113.734.926, sedangkang untuk Ekuitas sendiri sebanyak 19.144.464. total dari keseluruhan Liabilitas dan Ekuitas Sebesar 132.879.390.danLaporan posisi keuangan pengahsilan Komprehensif tahun berjalan sebesar 3.036.314, adapun untuk laporan kas pada awal tahun 7.691.157 bertumbuh hingga akhir tahun sebesar 17.592.335
Perspective of Islamic Business Ethics on Work Relations between Farmers and Shallot Traders in Baraka District, Enrekang Regency AkbarAkbar Hidayat Ahmad; Andi Bahri S.; Muhammad Kamal Zubair; Muliati; Damirah
International Journal of Health, Economics, and Social Sciences (IJHESS) Vol. 6 No. 2: April 2024
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/ijhess.v6i2.4712

Abstract

This research aims to conduct an assessment of the perspective of Islamic business ethics on working relationships between farmers and shallot traders in the district. Baraka. The research uses qualitative descriptive methods. The research results were obtained using primary data sources in the form of interview data with shallot farmers and onion traders in Baraka District, Enrekang Regency, while secondary data was obtained based on references from published journals and scientific articles. Data analysis techniques use data collection techniques, data reduction, preparation and drawing conclusions. The research results found that the perspective of Islamic business ethics is in line with the practice of cooperation between farmers and shallot traders in Kec. Baraka. This is proven by Islamic business ethics which surround the motives of shallot traders to establish cooperative relationships with farmers. The economic constraints faced by shallot farmers in cultivating their land will of course have alternative solutions if they are able to utilize existing cooperative relationships with traders.
Effectiveness of Using the Indonesian Standard Quick Response Code (QRIS) to Ease Transactions at Paddy's Market, Kendari City Muhammad Rusydi Navri; Syahriyah Semaun; Damirah; Muliati; Muhammad Kamal Zubair
International Journal of Health, Economics, and Social Sciences (IJHESS) Vol. 6 No. 2: April 2024
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/ijhess.v6i2.4731

Abstract

The Kendari City Government began to socialise the implementation of the Healthy, Innovative, Safe, Use (S.I.A.P.) QRIS Market and Safe Program with Bank Indonesia, Himbara in several Kendari City Markets. Paddy's Market is one of the markets that has been facilitated with the QRIS payment system. However, in practice it is not as easy as discussed in theory, the majority of traders in Paddy's Market no longer use the QRIS that has been given with the main reason being the lack of understanding of traders and buyers of the QRIS Payment system. The purpose of this study is to analyse how effective the use of QRIS is in Kendari City Paddy's Market. This research uses a qualitative descriptive method that takes information through interviews. Data collection was obtained through interviews with traders and buyers at Paddy's Market Kendari City. The results of this study indicate that: : (1) The practice of using QRIS in Kendari City Paddy's Market is decreasing, many traders have started to stop using QRIS, some have not used it at all since the launch of the QRIS programme. This is due to the lack of understanding of traders or buyers in using the QRIS feature, lack of control from Bank Indonesia, City Government, related banks so that traders and buyers no longer use QRIS and switch to cash transactions as usual. (2) Various obstacles, and reasons so that the majority of traders and buyers in the market use cash more often than QRIS.
Optimazition of Payment System Through My Al- Badar Application at Al-Badar Islamic Boarding School Bilalang, Parepare Arjun; Syahriah Semaun; Hansa; Darnawati; Damirah
International Journal of Health, Economics, and Social Sciences (IJHESS) Vol. 6 No. 2: April 2024
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/ijhess.v6i2.5055

Abstract

Optimization of the payment system can be achieved with the satisfaction of more and more users, which will affect the level of application of various payment systems as well as have an impact on related parties. If it is related to this research, then in the payment system to achieve goals and realization, It is necessary to prepare a more effective system for payment. The research method is descriptive qualitative, phenomenalogical approach, this type of research is Field research. The data sources used are primary data in the form of direct interviews with santri guardians of My Al-Badar application users and secondary data in the form of books, journals and articles related to the topic discussed. The results of this study are (1) payment system through My Al-Badar application, (2) Supporting factors and inhibiting factors in optimizing the payment system through My Al-Badar application. The use of the My Al-Badar application can be said to have run optimally, this can be seen from the payment transactions using the application by delaying the santri guardians in making payments. The Al-Badar boarding school is currently trying to conduct socialization to use the My Al-Badar application for transactions at the boarding school.
Factors Affecting Consumer Loyalty Shopping at Alfamart Soreang Parepare Rismah; Hannani; Damirah; Muhammad Kamal Zubair; Syahriyah Semaun
International Journal of Health, Economics, and Social Sciences (IJHESS) Vol. 6 No. 1: January 2024
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/ijhess.v6i1.5651

Abstract

Minimarkets are shopping places that sell daily necessities and offer convenience, including easy accessibility due to their proximity to residential areas. This research aims to determine: (1) the influence of attitude on consumer loyalty in shopping at Alfamart, (2) the influence of subjective norms on consumer loyalty in shopping at Alfamart, (3) the influence of perceived behavioral control on consumer loyalty in shopping at Alfamart, (4) the most dominant variable influencing consumer loyalty in shopping at Alfamart. This research is a survey with a quantitative approach. The population in this study is the residents of Soreang, Parepare. The sampling technique is purposive sampling, with a sample size of 100 people. Data collection is done using a questionnaire that has been tested for validity and reliability. The data analysis technique used is multiple linear regression. The research results indicate that: (1) attitude has a positive and significant influence on consumer loyalty in shopping at Alfamart, as evidenced by a significance value of 0.011 < 0.05 and a regression coefficient of 0.242. (2) Subjective norms do not have a significant influence on consumer loyalty in shopping at Alfamart, as evidenced by a significance value of 0.065 > 0.05 and a regression coefficient of 0.136. (3) Perceived behavioral control does not have a significant influence on consumer loyalty in shopping at Alfamart, as evidenced by a significance value of 0.325 > 0.05 and a regression coefficient of 0.099. (4) The most dominant variable influencing consumer loyalty in shopping at Alfamart, as determined by the joint test, is attitude with a regression coefficient of 0.242 or 24.2%.
Factors Influencing Economic Growth in OIC Countries: A Panel Data Approach Syaifullah; Heriangrum, Sri; Damirah; Lestari, Nurrizka Puji; Hudaifah, Ahmad
Airlangga Journal of Innovation Management Vol. 5 No. 2 (2024): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v5i2.57640

Abstract

Economic growth plays a crucial role in determining the success of a country's development, with each nation setting stable economic growth targets within its development agenda. The process of economic growth is influenced by various factors that can either drive or hinder the pace of growth. This study aims to analyze the impact of zakah growth, the scientific and technical journal articles, population, and unemployment rates on the economic growth of 10 member countries of the Organization of Islamic Cooperation (OIC) for the period 2002-2022 using a quantitative approach with a random effects panel data regression analysis technique and EViews 12 application for data management. As per the research findings, the variables of zakah and scientific and technical journal articles have a positive and significant relationship with economic growth. The population and unemployment rate have a negative and significant. Therefore, it is recommended that governments should improve efficiency in the management of zakah, allocate more budget for education and research, and formulate policies to promote innovation and collaboration between related sectors. It assists in achieving more awareness of zakah and participation in monitoring the utilization of zakah funds for society. The studies would help to see what variables affect economic growth.
Pengelolaan Wakaf Tunai, Infaq dan Sedekah di LAZISNU Parepare (Analisis Maslahah Mursalah) hilda, Evi Andriana; St. Aminah; Damirah; Suarning; Syahriyah Semaun
Journal of Economic, Public, and Accounting (JEPA) Vol 6 No 2 (2024): Volume 6 No. 2 April 2024
Publisher : Universitas Sulawesi Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31605/jepa.v6i2.3522

Abstract

Penulis melakukan pendekatan penelitian dengan metode kualitatif. teknik pengumpulan data adalah observasi partisipasi, wawancara terfokus, dengan pengujian keabsahan hasil penelitian yaitu credibility, transferability, dependability, dan confirmability. Hasil penelitian ini adalah Pemasukan Dana Wakaf Tunai, Infaq dan Sedekah di Lazisnu Parepare yaitu LAZISNU Parepare melakukan proses pengumpulan dana wakaf tunai, infaq, dan sedekah dengan menerima dan mencatat setiap sumbangan yang masuk dari masyarakat dengan melakukan sosialisasi untuk menyebarkan informasi kepada masyarakat mengenai program dan kegiatan yang didukung oleh dana wakaf tunai, Infaq dan sedekah serta menerima berbagai sumbangan melalui opsi pembayaran yang fleksibel dengan tetap menjaga transparansi dan integritas dalam seluruh proses pemasukan dana sesuai dengan regulasi yang berlaku dan diterapkan di Lazisnu Kota Parepare.
Co-Authors Abdul Hamid Ahmad Hudaifah, Ahmad AkbarAkbar Hidayat Ahmad Andi Bahri S. Arjun Darnawati Firman Hannani Hansa Heriangrum, Sri hilda, Evi Andriana Hj. St Nurhayati Lestari, Nurrizka Puji Milniati, Misna Muhammad Kamal Zubair Muhammad Rusydi Navri Muliati Nirmala Sari Nurhayati Ali Rismah Siti Nuraeni Sitti Jamilah Amin St. Aminah Suarning Sulkarnain Sumiati Syahriah Semaun Syahriyah Semaun, Syahriyah Syaifullah