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PENGARUH PDRB PERKAPITA, TINGKAT SUKU BUNGA TABUNGAN BANK UMUM DAN INFLASI TERHADAP SIMPANAN MASYARAKAT PADA BANK SYARIAH DI KALIMANTAN BARAT B61108045, Reni Helvira,
Jurnal Ekonomi Daerah (JEDA) Vol 1, No 1 (2013): JURNAL MAHASISWA MAGISTER ILMU EKONOMI
Publisher : Jurnal Ekonomi Daerah (JEDA)

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Abstract

ABSTRACT Islamic Bank has an important role to sustain societies economic in West Borneo. The Islamic banks growth and financial performance in undergoing their intermediation role is supported by the amount of deposit that can be gathered which later it is distributed in the form of loan. This research discusses about the influence of Capita Gross Domestic Regional Product, conventional banks interest rate, and inflation towards Islamic banks deposit in West Borneo. This research is a descriptive study which investigates the condition of Capita Gross Domestic Regional Product, conventional banks interest rate, and inflation so that the effects of those three factors toward Islamic banks deposit in West Borneo can be described completely and accurately. The population of this research is all West Borneo Islamic bank. The data are obtained from Economics Regional Study of Bank Indonesia (KER) and West Borneo Statistic Centre Board (BPS). Data is analyzed by using multiple linier regressions that consist of simultaneous influence test, partial influence test, correlation test and determination coefficient test. Before performing regression test, the data passes classical assumption test which consist of normality, autocorrelation, multicolinearity, and heteroscedastisity. The result of this research shows that Capita Gross Domestic Regional Product, conventional banks interest rate, and inflation simultaneously influence Islamic banks deposit in West Borneo. Partialy, Capita Gross Domestic Regional Product has positive influence; conventional banks interest rate has negative influence, while inflation doesnt have significant influence towards Islamic banks deposit in West Borneo. Keywords: Islamic Banks Deposit, Capita Gross Domestic Regional Product (PDRB), Conventional Banks Interest, and Inflation.
ANALISIS PENGEMBANGAN SEKTOR EKONOMI POTENSIAL KOTA PONTIANAK Helvira, Reni
JAAKFE UNTAN (Jurnal Audit dan Akuntansi Fakultas Ekonomi Universitas Tanjungpura) Vol 8, No 2 (2019): JURNAL AUDIT DAN AKUNTANSI FAKULTAS DAN BISNIS EKONOMI UNTAN
Publisher : Jurusan Akuntansi, Fakultas Ekonomi dan Bisnis, Universitas Tanjungpura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26418/jaakfe.v8i2.40668

Abstract

This research is one of the efforts to find out the potentials of the regions that influence economic growth in Pontianak City from 2013 to 2017 and some of the contributions of these potential sectors to regional economic growth. This study aims to determine which sectors are the base sector and potential sectors to be developed in Pontianak City, and to find out how much influence the base sector and potential sectors have on the development of Pontianak City's GRDP.This study uses secondary data in the form of Gross Regional Domestic Product (GRDP) based on constant prices of Pontianak City and West Kalimantan Province in 2013 to 2017. In this study the analysis method used is Location Quetiont (LQ), Shift Share analysis and Hypothesis Test.The results of the study used the Location Quetiont (LQ) method, sectors that have an LQ index greater than one (LQ> 1) and are the economic base sector, which is the industrial sector, the electricity and gas procurement sector, the water supply sector, waste management, waste and recycling re, the construction sector, the wholesale and retail trade sectors; car and motorcycle repair, transportation and warehousing sector, accommodation and food and beverage supply sector, information and communication sector, financial and insurance services sector, company service sector, government administration sector, compulsory defense and social security sector, education service sector, health service sector and social activities, and other service sectors.The results of the Shift Share analysis method using the differential growth component (DJ) show that there are 6 sectors with a positive average DJ, namely, the water supply sector, waste management, waste and recycling, the wholesale and retail sectors; car and motorcycle repair, accommodation and food and beverage supply sector, company service sector, education sector, health service sector. This indicates that the 6 sectors are growing faster than the same economic sector as the Province of West Kalimantan so that these sectors have high competitiveness and have the potential to be developed to spur economic growth in Pontianak City.Keywords : Economic Potential, Location Quotion and Shift Share
PENGARUH FINANCIAL LITERACY TERHADAP KEPUTUSAN INVESTASI GENERASI MILENIAL DI KOTA PONTIANAK reni helvira
Eqien - Jurnal Ekonomi dan Bisnis Vol 9 No 2 (2022): EQIEN - JURNAL EKONOMI DAN BISNIS
Publisher : Sekolah Tinggi Ilmu Ekonomi Dr Kh Ez Mutaqien

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (377.461 KB) | DOI: 10.34308/eqien.v9i2.439

Abstract

The purpose of this study was to determine the effect of literacy on investment decisions in the millennial generation in Pontianak City. Based on the results of the study indicate that the value of the regression equationis Y = 2.210 + 0.521X. The value of the simple correlation coefficient (r) is 0.633 which means the relationship/correlation between financial literacy on decisions Pontianak's millennial generation investment is strong. The value of the coefficient of determination (R2) obtained is equal to 0.400, meaning the influence of financial literacy on variations in the ups and downs of millennial generation investment decisions in the City Pontianak is 40.00%, and the remaining 60.00% is influenced by other variables outside of this study. The results of the Simultaneous Test (Test F) show the value of 65.383 (F count) > 3.94 (F table) with a significance value of F which is 0.000 which value is less than 0.05. This means that a simple regression model can used to predict the investment decisions of the City's millennial generation Pontianak which is influenced by financial literacy. Partial Test Results (t Test) shows the value of t count > table (8.086 > 1.98), so Ho is rejected and Ha accepted which means that there is a positive and partially significant effect between financial literacy variables on millennial generation investment decisions Pontianak City. Keywords: Financial Literacy, Investment, Millennials
ANALISIS STRATEGI PENGEMBANGAN KEMANDIRIAN EKONOMI PADA PONDOK PESANTREN ABDUSSALAM DAN PONDOK PESANTREN NURUL JADID Ari Widiati; Reni Helvira; Syamratun Nurjannah
Ar-Ribhu : Jurnal Manajemen dan Keuangan Syariah Vol 4 No 1 (2023): Ar-Ribhu
Publisher : Faculty of Islamic Economics and Business

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Abstract

Pesantren merupakan lembaga pendidikan dan dakwah, kedua misi tersebut tidak dapat dipisahkan. Pesantren di era modern memiliki karakteristik unik yang berbeda dibandingkan dengan pesantren lainnya dan dapat menjadi sebuah lembaga yang memiliki kemandirian dalam perekonomian. Namun para peneliti saat ini mengabaikan fenomena ini. Tujuan penelitian ini mengeksplorasi kontribusi pesantren berbasis strategi pengembangan kemandirian ekonomi. Metode yang digunakan dalam penelitian ini adalah metode kualitatif dengan pendekatan studi kasus. Hasil penelitian menunjukan bahwa pesantren di KubuRaya (Abdussalam dan Nurul Jadid) memiliki unit usaha untuk menopang operasional pesantren, tanpa menggantungkan dari sumbangan donator. Strategi pengembangan yang dilakukan dengan mengembangkan per unit usaha dengan didukung oleh sumber daya yang ada dengan memanfaatkan, melatih dan membimbing para santri dalam kegiatan wirausaha sehingga santri setelah lulus dapat memiliki pengetahuan berwirausaha. Dengan demikian dapat mengembangkan kemandirian ekonomi pesantren Keywords: pesantren; lembaga pendidikan; dakwah; pesantren Abdussalam; pesantren Nurul Jadid
PRAKTEK JUAL BELI “SEROK LIVE” TIK TOK SHOP DALAM TINJAUAN EKONOMI ISLAM Syamratun Nurjannah; Reni Helvira; Ari Widiati
Ar-Ribhu : Jurnal Manajemen dan Keuangan Syariah Vol 4 No 1 (2023): Ar-Ribhu
Publisher : Faculty of Islamic Economics and Business

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Abstract

This study discusses the Practice of Serok Live Buying and Selling Islamic Economics’ Review. Buying and selling are generally defined as the process of exchanging goods or services between sellers and buyers. Along with the developing era, they were marked by many changes in various aspects of life, from manual to application. The same things happened for buying and selling activities. TikTok is an application used to create and share different short recordings within a vertical organization. As technology develops, TikTok issued two features which are used in buying and selling, such as the Tiktok shop and buying and selling via Live Streaming. The purpose of this research is to find out the practice of buying and selling using the TikTok shop "Serok Live" model, as well as to find out an Islamic economics’ review of the buying and selling "Serok Live" of TikTok shop practice. The research method used in this study is a qualitative approach. This means that the data collected was not in the form of numbers, but it came from interview scripts, field notes, personal documents, notes, memos and other official documents. So this research intends to understand the phenomenon of what is experienced by research subjects in forms of perception, behaviour, action, motivation, etc as well as in a descriptive way in forms of words and language by utilizing various scientific method. The results of the study showed that the buying and selling of this Serok Live system contained an element of uncertainty in the amount of goods being traded. This was because the goods sold were taken in batches, so that each buyer might get a different amount of goods at the same cost. This, of course, makes the buyers loss. Besides, the sellers can also experience a loss, because the goods which are scooped up are not suitable with the capital that has been issued. This can be seen during the live process, it is not uncommon for sellers to exchange items that have been checked out, for various reasons. This usually happens when it turns out that there are two types of goods which prices are included in the premium category. So actually the seller himself has arranged so that the goods which are scooped up do not exceed the capital that has been issued. Keywords : Buying and Selling, TikTok, Serok Live, Islamic Economics Review.
Analisis Perilaku Konsumen Dalam Penggunaan Subsidi Liquified Peteoleum Gas (LPG) 3 Kilogram Menurut Persfektif Ekonomi Islam Reni Helvira; Syamratun Nurjannah; Ari Widiati
Jurnal Adz-Dzahab: Jurnal Ekonomi dan Bisnis Islam Vol 8 No 1 (2023): Adz-Dzahab Volume 8 Nomor 1 Mei 2023
Publisher : IAI Muhammadiyah Sinjai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47435/adz-dzahab.v8i1.1775

Abstract

Penelitian ini bertujuan akan menganalisis perilaku konsumen dalam penggunaan subsidi LPG 3 kg dari perspektif ekonomi Islam. Dalam pelaksanaannya, masih ditemukan permasalahan pendistribusian yang dilakukan secara terbuka sehingga semua golongan masyarakat masih dapat mengonsumsi subsidi tersebut. Hal ini menyebabkan golongan masyarakat yang seharusnya tidak mendapat subsidi juga ikut menikmatinya, sehingga mendorong ketimpangan dalam masyarakat. Metode penelitian yang digunakan adalah kualitatif dengan teknik pengumpulan data melalui wawancara, observasi, dan studi dokumen. Hasil analisis menunjukkan bahwa perilaku konsumen dalam penggunaan subsidi LPG 3 kg dipengaruhi oleh faktor sosial, ekonomi, dan budaya. Terdapat dua tipe konsumen, yaitu konsumen yang menggunakan subsidi secara tepat dan konsumen yang menyalahgunakan subsidi yang merupakan konsumen golongan menengah ke atas yang banyak menggunakannya. Dalam perspektif ekonomi Islam, program ini dapat dianggap efektif jika tepat sasaran dan memberikan manfaat yang adil bagi masyarakat yang membutuhkan. Namun, dengan adanya permasalahan pendistribusian yang masih dilakukan secara terbuka, maka program subsidi tersebut belum dapat dikatakan efektif dan tepat sasaran. Oleh karena itu, perlu dilakukan evaluasi dan peningkatan dalam mekanisme pendistribusian agar subsidi ini benar-benar tepat sasaran. Selain itu, perlu dilakukan edukasi pada masyarakat tentang pemahaman ekonomi Islam, termasuk konsep keadilan dan kesejahteraan bersama.
PERAN SISTEM INFORMASI MANAJEMEN BANK SYARIAH INDONESIA DALAM MEMBANTU PENINGKATAN PEREKONOMIAN DAN BISNIS DI ERA DIGITAL Julianto Julianto; Reni Helvira
OIKONOMIKA: Jurnal Kajian Ekonomi dan Keuangan Syariah Vol. 3 No. 2 (2022): OIKONOMIKA : Jurnal Kajian Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53491/oikonomika.v3i2.637

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Bank Syariah Indonesia is one of the largest state-owned banks whose operations use Islamic sharia principles, which is a combination of three banks, namely Bank Mandiri Syariah, BNI Syariah, and BRI Syariah. This bank has many banking services that can be utilized by customers to help improve, facilitate, and develop every existing business, with many services that can be accessed anytime and anywhere enabling business management to be carried out quickly, effectively, and efficiently. The development and improvement of Information Technology and Sharia Banking Management Information Systems have made mobile and internet banking superior products and services that are very helpful in supporting customer activities related to financial transactions. With technological devices that allow fellow BSI bank officers to enter into each other, share data, and become a pioneer in increasing the use of Islamic banks, namely the development of Islamic banks always increases every year, this indicates that customer interest in banking is very high. The purpose of this study is to describe the development of the role of the Indonesian Sharia Bank Management Information System in helping to improve the economy and business in the digital era. This study uses a qualitative approach using data collection techniques to study literature.  
Increasing Reading Literacy in Al-Barokah Islamic Boarding School Students in Sungai Asam Village through Gerakan Literasi Sekolah (GLS) Julianto; Aulia Azimi; Hani Meilita Purnama Subardi; Wulan Wahyu Ningrum; Pratiwi Kurniati; Dini Lestary; Muhammad Tezar; Dewa Ruci; Nur Atiqah; Reni Helvira; Monica Olivia; Ari Widiati; Syamratun Nurjannah
Engagement: Jurnal Pengabdian Kepada Masyarakat Vol 7 No 1 (2023): May 2023
Publisher : Asosiasi Dosen Pengembang Masyarajat (ADPEMAS) Forum Komunikasi Dosen Peneliti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29062/engagement.v7i1.1494

Abstract

Literacy is a person's ability to process and understand information when carrying out the process of reading and writing. Literacy has many types, such as reading and writing literacy, numeracy literacy, digital literacy, scientific literacy, financial literacy, and cultural literacy, and several other forms of literacy. Literacy refers to competencies or abilities that are more than just the ability to read and write. Through this PKM activity carried out by lecturers in Sungai Asam Village regarding literacy to build the Village Economy in Sungai Asam Village, lecturers can express and convey ideas in helping children, students, and the surrounding community to provide an understanding of the importance of education and literacy in increasing community expertise in managing Natural Resources in Sungai Asam Village which has the potential to improve the economy of the surrounding community. The Lecturer PKM activity was attended by lecturers, IAIN Pontianak students, the surrounding community including students from the Al-Barokah Islamic Boarding School in Sungai Asam Village.