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All Journal Justisia Ekonomika Journal of Sharia Economics Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Balance: Journal of Islamic Accounting Balance: Journal of Islamic Accounting
Neni Utami
UIN Sayyid Ali Rahmatullah Tulungagung
Economics, Econometrics & Finance

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Sharia Leasing Transaction System in the Financial Industry Fahmi Alif Aldianto; Pera Wibowo Putro; Neni Utami; Yuni Rinawati
Journal of Sharia Economics Vol 5 No 1 (2023): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v5i1.540

Abstract

The sharia leasing system applies to all financing carried out and innovated according to sharia principles dan in line with concepts in sharia principles. In addition, this system still has weaknesses: high capital investment does not prevent those who carry out these activities from breaking their promises. Therefore, regulations are needed that regulate more precisely to minimize this. This study uses a critical analytical review method based on a literature review using data from journals, books and information from the internet. The results of the analysis show that contract-based financing companies that finance the company's operations are in accordance with sharia principles. Sharia leasing can apply the principles of efficiency, innovation, and compliance with sharia norms.
Islamic Branding: Analisis Pengaruh Brand Identity Terhadap Brand Awareness Wardah Kosmetik neni utami; agus eko sujianto
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 7 No 1 (2023): Juni 2023
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v7i1.18058

Abstract

 This study aimed to examine the effect of Brand Identity on Brand Awareness among ASNs in Blitar Regency. The population used was 105 populations with 86 samples that fit the criteria, namely ASN and users of wardah cosmetics. Primary data is taken using a questionnaire distribution with a Likert scale of 1-5. The approach used is an associative quantitative approach. The tests carried out are validity tests, reliability tests, normality tests, simple regression tests, hypothesis tests, and coefficient of determination tests. The results of this study indicate that Brand Identity has a positive and significant effect on Brand Awareness of Wardah cosmetic products by 38.4%. Keywords: Cosmetic Industry, Islamic Branding, Brand Identity, Brand Awareness
Pengaruh Pembiayaan Ar-Rahn dan Harga Emas Terhadap Profitabilitas Pegadaian Syariah di Indonesia Tahun 2018-2022 Yuni Rinawati; Neni Utami; Pera Wibowo Putro; Fahmi Alif Aldianto
Ecopreneur : Jurnal Program Studi Ekonomi Syariah Vol 3 No 2 (2023): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Lembaga Publikasi Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Differences in the results of research conducted by previous researchers regarding the effect of ar-rahn financing and gold prices on profitability, the purpose of this study is to re-examine how the effect of ar-rahn financing and gold prices on the profitability of sharia pawnshops in Indonesia. This type of research is quantitative with time series data, namely in 2018-2022. The data used is in the form of monthly data so that the amount of data obtained is 60 data. This research data testing tool uses SPSS26. The results of this study indicate that partially ar-rahn financing and gold prices have no significant effect on the profitability of pawnshops in Indonesia. The financing variable has a negative direction, while the gold price has a positive direction. This is also the same as the simultaneous test showing that ar-rahn financing and gold prices have no significant effect on the profitability of sharia pawnshops in Indonesia in 2018-2022.Keywords: Ar-Rahn Financing, Gold Price, ROA Abstrak Perbedaan hasil penelitian yang dilakukan oleh peneliti sebelumnya tentang pengaruh pembiayaan ar-rahn dan harga emas terhadap profitabilitas, maka tujuan dari penelitian ini ialah untuk menguji kembali bagaimana pengaruh pembiayaan ar-rahn dan harga emas terhadap profitabilitas pegadaian syariah di Indonesia. Jenis penelitian ini adalah kuantitatif dengan data time series yaitu pada tahun 2018-2022. Data yang digunakan berupa data bulanan sehingga jumlah data yang didapatkan sebanyak 60 data. Alat bantu pengujian data penelitian ini menggunakan SPSS26. Hasil penelitian ini menunjukkan bahwa secara parsial pembiayaan ar-rahn dan harga emas tidak berpengaruh signifikan terhadap profitabilitas pegadaian di Indonesia. Pada Variabel pembiayaan dengan arah negatif, sedangkan pada harga emas dengan arah positif Hal ini juga sama pada uji secara simultan menunjukkan bahwa pembiayaan ar-rahn dan harga emas tidak berpengaruh signifikan terhadap profitabilitas pegadaian syariah di Indonesia tahun 2018-2022. Kata Kunci : Pembiayaan Ar-Rahn, Harga Emas, ROA
REPUTATIONAL RISK MANAGEMENT STRATEGY AT INDONESIAN SHARIA BANK AND MUAMALAT INDONESIAN BANK Neni Utami; Rokhmat Subagiyo; Binti Nur Asiyah
BALANCE: JOURNAL OF ISLAMIC ACCOUNTING Vol 4 No 1 (2023): Balance: Journal of Islamic Accounting
Publisher : State Islamic Institute (IAIN) Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/balance.v4i1.7726

Abstract

Abstract. BSI and BMI suffered significant losses due to reputational risk. Reputation risks that occur can be properly handled so that losses that arise can be recovered immediately. This study aimed to determine the application of risk management to BSI and BMI and the application of reputation risk to BSI and BMI. The results of this study indicate that BSI and BMI have implemented risk management in accordance with POJK No. 65 of 2016. BSI and BMI have specific organizations to deal with risks, procedures, and the same problem focus on dealing with reputation risk even though the steps for implementing procedures between the two are different. BSI is more focused on strategic steps taken in overcoming risks, while BMI is not only focused on strategic steps taken but also focused on media coverage and communication management.
REPUTATIONAL RISK MANAGEMENT STRATEGY AT INDONESIAN SHARIA BANK AND MUAMALAT INDONESIAN BANK Neni Utami; Rokhmat Subagiyo; Binti Nur Asiyah
BALANCE: JOURNAL OF ISLAMIC ACCOUNTING Vol 4 No 1 (2023): Balance: Journal of Islamic Accounting
Publisher : State Islamic Institute (IAIN) Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/balance.v4i1.7726

Abstract

Abstract. BSI and BMI suffered significant losses due to reputational risk. Reputation risks that occur can be properly handled so that losses that arise can be recovered immediately. This study aimed to determine the application of risk management to BSI and BMI and the application of reputation risk to BSI and BMI. The results of this study indicate that BSI and BMI have implemented risk management in accordance with POJK No. 65 of 2016. BSI and BMI have specific organizations to deal with risks, procedures, and the same problem focus on dealing with reputation risk even though the steps for implementing procedures between the two are different. BSI is more focused on strategic steps taken in overcoming risks, while BMI is not only focused on strategic steps taken but also focused on media coverage and communication management.
Co-Authors Agus Eko Sujianto Binti Nur Asiyah Fahmi Alif Aldianto Pera Wibowo Putro Rokhmat Subagiyo Yuni Rinawati