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Impact Of Income On Consumption Behavior Of Urban Muslim Community In Kediri City (Case Study at Bandar Kidul Village Kecamatan Mojoroto Kediri) Mahmudah, Siti Nur; Widiastuti, Tika; Hendratmi, Achsania
Jurnal Ekonomi Islam Vol 9 No 1 (2018): Jurnal Ekonomi Islam (MEI)
Publisher : Universitas Muhammadiyah Prof Dr Hamka

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Abstract

The income of the Muslim community in the village of Bandar Kidul Kecamatan Mojoroto Kediri is mostly a woven cloth businessman who became the livelihood for the Muslim community in Bandar Bandar Kidul. This effort has been fostered by Bank Indonesia which is the Central Bank which is very supportive of this ikat business. Most of the Muslim communitys income in Bandar Bandar Kidul comes from ikat business. When the ikat orders surged high, the income of the community will also increase and affect the consumption behavior of the Muslim community in the village of Bandar Kidul Kecamatan Mojoroto Kediri. This research uses the descriptive qualitative method with case study research strategy. Methods of data collection using interview method. Interviews were conducted with eight informants, namely ikat weaving businessmen and caretakers of pesantren huts. Based on the results of the study, the researcher can conclude that income has a very big impact on consumption behavior of urban Muslim community in the village of Bandar Kidul Kecamatan Mojoroto Kediri with some indicators namely; The first indicator with the amount of expenditure, the second indicator with the indicator of Islamic consumption, and the third indicator is the indicator of need fulfillment. Of the three indicators above can be seen that income has a positive impact on the consumption behavior of urban Muslim communities in the village of Bandar Kidul Kecamatan Mojoroto Kediri. This is evidenced by the amount of expenditure that is adjusted to the income, pay attention to the goods consumed for halal and thayyib and not extravagant and exaggerated, the fulfillment of income-adjusted needs.
Konsep Kesejahteraan Perspektif Ashabiyah Ibnu Khaldun Dalam Wisata Religi Tebuireng Arfaq, Fadlulloh Fakhrudin; Hendratmi, Achsania; Ramadhan, Dwi Swasana
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.v12i1.5342

Abstract

The concept of welfare has developed significantly, but its implementation has not been optimal. One of the concepts of welfare proposed by Ibn Khaldun about circle of equity and the concept of ashabiyah can be a reference. This article aims to analyze the concept of the welfare of Ibn Khaldun's Ashabiyah perspective by taking samples of community research around Tebuireng religious tourism. This research article uses a qualitative approach to the type of case study research. Data collection techniques using direct interviews, documentation and observation. The results of the analysis show that religious tourism in Tebuireng is beneficial to the communities around and within the religious tourism area and the focus of management on religious tourism is the community with synergies between community groups that need to be improved.
Implementasi Pengelolaan Lembaga Amil Zakat Pada Yayasan Yatim Mandiri Surabaya Nadya Irmania; Achsania Hendratmi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 2 No. 5 (2015): Mei-2015
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol2iss20155pp426-440

Abstract

This purpose of this research is to know the implementation of amil zakah institution controlling management in amil zakah institution Surabaya using planning, organizing, actuating and controlling management and a leads to orphans.This research used qualitative approach with case study method. The subject of this research would be the informants that give informations needed. The Informants were determined by purposive sampling technique purposive sampling is a technique to determine the samples intentionally and also depend on current consideration. The result of this research showed that the implementation of amil zakah institution controlling management has fitted to planning, organizing, actuating, and controlling management. Education, economy, and health are the important points that need to be considered in an attention to orphans.Amil zakah institution needs an achnowledged standart of social service givings it’s about the ways to do social service activities, human resources, facilities and social service administration by alternative minimum, indicative, and maximum standart for each services.
Hubungan Antara Tipe Kepribadian, Bauran Pemasaran Jasa dan Niat Membeli Ulang Deri Rachmat Rizki; Achsania Hendratmi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 4 No. 5 (2017): Mei-2017
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (153.013 KB) | DOI: 10.20473/vol4iss20175pp424-433

Abstract

This research aims to know the influence of personality types against perception, perception of services marketing mix the marketing mix of services against the intention to buy back products fashions in Rabbani and personality types against the intention to buy back products fashions at Rabbani. The subject of this research is the intention to buy back products fashions at Rabbani. The type of the data being used is the primary data with 149 correspondents. This research method using quantitative methods with technical analysis path. The results showed that the personality types have no effect significantly to perceptions of service marketing mix. However, the perception of service marketing mix positive significant effect against the intention of buying it back. And personality type back has no effect against the intention of buying it back.
Analisis Komparatif Kinerja Keuangan BPRS Linkage Program dan Non Linkage Program Periode 2014-2015 Allen Anandika Rizky Pratama; Achsania Hendratmi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 4 No. 6 (2017): Juni-2017
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (191.825 KB) | DOI: 10.20473/vol4iss20176pp493-504

Abstract

This research aims to discover whether there are any differences in financial performance between BPRS which take part in the linkage program and the one which do the contrary, in period of 30 March 2014 – 30 December 2015. The method used in this research is quantitative where the research is done by doing a descriptive statistical analysis and inferential statistic. The comparison of the financial performances are based on financial ratio assessment consisting of CAR, NPF, ROA, BOPO and FDR. Research shows that there are indeed found differences in financial performance between BPRS which take part in the linkage program and the one which do the contrary. Differences in financial performance viewed from financial ratio of FDR, NPF and CAR. However, earning ratio (rentabilitas)ROA and BOPO not possessed any differences between BPRS which take part in the linkage program and BPRS which does not.
Manajemen Risiko Pembiayaan Ijarah Pada Koperasi Syariah Pilar Mandiri Surabaya Ahmad Asy’fin Basthomi; Achsania Hendratmi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 4 No. 7 (2017): Juli-2017
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (184.274 KB) | DOI: 10.20473/vol4iss20177pp547-559

Abstract

Sharia Financial Institution especially Sharia Cooperative needs a series of procedure and methodology which can be used to identify, measure, mitigate and supervise the risk that will be appear from business activity as well as in Ijara financing channeled. A series of procedures are known as risk management. The purpose of this study is to know and analyze how management process does on Sharia Cooperative of Pilar Mandiri Surabaya. This study uses qualitative approach with case study method. Data collection techniques uses direct interview technique to the related objects. The result of this study shows that Sharia Cooperative of Pilar Mandiri performed risk management process on the identification, mitigation, assessment or measurement and risk controlling stage. The major risk focus is financing risk that members or prospective members have congestion or failure about meet the financing payment obligation.
Perbandingan Pembentukan Gap Sensitivitas Pada Bank Syariah Mandiri (BSM) dan Bank Mega Periode 2011-2015 Muhammad Wasiqul Firdaus Askarullah; Achsania Hendratmi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 4 No. 8 (2017): Agustus-2017
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (340.979 KB) | DOI: 10.20473/vol4iss20178pp613-629

Abstract

Interest rate risk arise when there was a gap between assets and liabilities so the purpose of this study was to determine the position of the gap formed at Bank Syariah Mandiri (BSM) and Bank Mega and analyze the difference in the formation of gap based on the period of sensitivity ≤ 1 month, > 1-3 months, and > 3-12 months.This was a quantitative research with comparative study which uses sensitivity gap analysis to identify the position of the gap were formed and conduct the comparative analyzed with independent sample t-test and Mann-Whitney. The data being used was secondary data from Maturity Profile which contained in the Annual Financial Report of BSM and Bank Mega in the periods of 2011-2015.The results showed that in BSM, cumulatively, the formation of the gap in the periods of 2011-2015 was negative gap. Likewise at Bank Mega, the cumulative gap formation in the periods of 2011-2015 was negative gap. From the results of independent sample t-test and Mann-Whitney known that the formation of the gap in BSM and Bank Mega for a period of sensitivity of ≤ 1 month and> 1-3 months showed a significant difference, while the period of sensitivity> 3-12 months there was no difference significant.BSM suffered exposure to interest rate risk higher than the Bank Mega as the asset structure is dominated by Murabaha Financing (fixed rate) with long term (> 12 months) while liabilities dominated by Mudharabah Deposits (variable rate) with short-term (<12 months).
Perbandingan Tingkat Bagi Hasil Simpanan Mudharabah dan Modal Sendiri Antar Bank Umum Syariah di Indonesia Periode 2012-2015 Andre Kurniawan; Achsania Hendratmi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 4 No. 10 (2017): Oktober-2017
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (188.155 KB) | DOI: 10.20473/vol4iss201710pp847-859

Abstract

This study aims to know the return level which is given to capital stockholders and also customers or clients that use ‘aqd mudharabah between islamic banks. Return represents that a bank can manage its fund well by giving satisfying return to capital stockholders and customers or depositors. This research compares ROE and ROMD inter-islamic banks. This research uses quantitativ-comparative method and it uses six islamic banks, and then, the researcher did different test of ROE and ROMD to it. Different test of ROE uses Kruskal-Wallis and Mann-Whitney tests, while different test of ROMD uses ANOVA and LSD tests. The result of ROE different test shows that there is a significant difference between one islamic bank to the others in Indonesia. The result of ROMD different test shows that there is no a significant difference between one islamic bank to the others in Indonesia.
Determinan Financing to Deposit Ratio Bank Umum Syariah di Indonesia Periode 2012-2015 Didit Prakoso; Achsania Hendratmi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 4 No. 11 (2017): November-2017
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (303.84 KB) | DOI: 10.20473/vol4iss201711pp860-874

Abstract

The research aimed to know the influence of Capital Adequacy Ratio (CAR), Return on Assets (ROA) and Size of the Financing to Deposit Ratio (FDR) Islamic Banks in Indonesia by using 11 Islamic Banks registered at Bank Indonesia the period 2012 to 2015 as samples. The research used a quantitative approach method. The analysis technique used multiple linearregression analysis and the equation is Y = 0,330 + 1,294(CAR) – 5,931(ROA) + 0,028 (Size). Based on the result of t-test (partial), CAR, ROA and Size significantly affects of FDR with the results of each 6,727, -2,831, 2,564. While the results of f-test (simultant) showed that CAR, ROA and Size significant effect on of FDR with a significance value 0.000. the coefficient of determination shows the value of R-Square (R2) of 54.0%. while the remains of 46% wasexplained by other variables outside the model.
THE BUSINESS DEVELOPMENT OF PONDOK SIDOGIRI PESANTREN PASURUAN Rizal Bagus Pambudi; Achsania Hendratmi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 1 (2020): Januari-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20201pp87-99

Abstract

The purpose of this study is to find out the business development process which is conducted by Kopontren Sidogiri in creating Basmalah stores that spread across Indonesia with sharia-based businesses. This study uses a qualitative method by using a descriptive case study method. The object of this study is the Basmalah store. Data were collected using semi-structured interviews on three informants, consisting of the Head of the Marketing Division, the Head of the Operational Division, and the Head of the Area Manager Division. Based on the results of the study, it indicates that the business development carried out by Kopontren Sidogiri is mutually sustainable between one business and another. Kopontren Sidogiri, which is known as a sharia-based cooperative, succeeds in creating three companies, namely PT. Sidogiri Mitra Utama which supervises the Basmalah store, PT. Sidogiri Mandiri Utama which owns Santri AMDK products, and PT. Sidogiri Pandu Utama which manages human resources using the Sidogiri Excel Center (SEC) program or better known as the Sidogiri corporation. The business strength of Sidogiri corporation lies in the relationship created between Alumni of Islamic boarding school and students of Sidogiri so that they can quickly develop their markets, regions and business products. The contract used in opening new branches comes under ijarah, mudharabah, and musyarakah. In every new branch opening of Basmalah store, they conduct recitations that invite community leaders to introduce Basmalah store.Keywords: Business Development, Kopontren Sidogiri, Islamic Boarding School Business, Sharia Business.REFFERENCEAzwar, Adiwarman Karim. (2012). Sejarah pemikiran ekonomi Islam edisi ketiga. Jakarta: PT RajaGrafindo Persada.Badan Pusat Statistik Surabaya. (2014). Jumlah koperasi aktif menurut provinsi, 2006-2016. (https://www.bps.go.id/statictable/2014/01/15/1314/jumlah-koperasi-aktif-menurut-provinsi-2006-2016.html Diakses 18 Juli 2018)Bungin, Burhan. (2007). Penelitian kualitatif edisi kedua. Jakarta: Prenada Media Group.Bungin, Burhan. (2007). Penelitian kualitatif. komunikasi, ekonomi, kebijakan publik dan ilmu sosial lainnya. Jakarta: Putra GrafikaChusmeru, Masrukin, dan Sri Pangestuti. (2017). Koperasi pondok pesantren sebagai pemberdayaan ekonomi santri. Jurnal Universitas Jenderal Soedirman, 7(1), 17-18.Departemen Agama RI. (2006). Al-Quran dan terjemahnya. Bandung: CV Penerbit Diponegoro.Hamidi. Yusuf. (2008). Metode penelitian kualitatif. Malang: Universitas Muhammadiyah Malang Press.Hendratmi, Achsania. (2016). Penggalian dan penemuan model bisnis Islami. Surabaya: Universitas Airlangga.Huda, Nurul dan Mohamad Heykal. (2010). Lembaga keuangan Islam tinjauan teoritis dan praktis. Jakarta: Prenada Media Group.Idri. (2015). Hadist ekonomi dalam perspektif hadis nabi. Jakarta: Prenada Media Group.J, Lexy Moleong. (2017). Metodologi penelitian kualitatif. Bandung: PT Remaja Rosdakarya.K, Yin Robert. (2015). Studi kasus desain & metode. Jakarta: PT RajaGrafindo Persada.Kementrian Koperasi dan Usaha Kecil dan Menengah Republik Indonesia. (2015). (http://www.depkop.go.id/uploads/tx_rtgfiles/1F_Koperasi_Desember_2015.pdf Diakses 13 Agustus 2018)Masngudi, H. (1990). Penelitian tentang sejarah perkemangan koperasi di Indonesia. Jakarta: Badan Penelitian Pengembangan Koperasi Departemen Koperasi.Moleong. Lexy J. (2009). Metode penelitian kualitatif. Bandung: PT. Remaja Rosdakarya Muhammad, bin Abdullah bin Adurahman bin Ishaq Al-Sheikh. (2003). Tafsir Ibnu Katsir. Bogor: Pustaka Imam asy-Syafi’i.Noor, Juliansyah. (2011). Metodologi penelitian skripsi, tesis, disertasi, dan karya ilmiah. Jakarta: Kencana Pernada Media Group. Norvadewi, (2015). Bisnis dalam perspektif Islam. Al-Tijary, 1(1), 33-46.Nridiani, Nina. (2014). Teknik sampling Snowball dalam penelitian lapangan. ComTech, 5(2), 1110-1118.Puji, Rahayu Suci. (2009). Peningkatan kinerja melalui orientasi kewirausahaan, kemampuan manajemen, dan strategi bisnis (studi pada industri kecil menengah bordir di Jawa Timur). Malang: Universitas Widyagama. S, Juhaya Pradja. (2012). Ekonomi syariah. Bandung: Pustaka setiaSolihin, Ismail. (2012). Manajemen strategik. Bandung: Erlangga.Sopandi, Encep. (2017). Strategy of business development bamboo craft (a study in pasirjambu village pasirjambu district Bandung regency). Jurnal Pemikiran dan Penelitian Administrasi Bisnis dan Kewirausahaan, 2(1). https://doi.org/10.24198/adbispreneur.v2i1.12876Sugiyono. (2009). Metode penelitian Kuantitatif, kualitatif, dan R&D. Bandung: Alfabeta.Yin, Robert K. (2015). Studi kasus design & metode. Jakarta: Raja Grafindo Persada.