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Analisis Minat Muzakki Membayar Zakat di Badan Amil Zakat Nasional (Baznas) Kota Semarang Rosida Dwi Ayuningtyas; Risti Lia Sari
AKSES: Jurnal Ekonomi dan Bisnis Vol 15, No 1 (2020): AKSES: JURNAL EKONOMI DAN BISNIS
Publisher : Universitas Wahid Hasyim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/akses.v15i1.3360

The purpose of this study was to analyze the interest of muzakki paying zakat in the Semarang baznas. The research method used is qualitative quantitative by means of distributing questionnaires. The sample used was 50 respondents. The results of this study resulted that from the independent variables (service quality, religiosity and accountability) affecting the interest of muzakki to pay zakat in Baznas Semarang only 69% of service quality, while for religiosity and accountability there was no partial effect on the interest of muzakki paying zakat in the baznas Semarang city. For the determination value of 41% which means that the independent variable variation model is only able to provide the information needed to predict the interest in paying zakat in the city of Semarang baznas by 41%. Keywords :Accountability, Baznas, Interest of Muzakki Paying Zakat, Religiosity, Service Quality

Sustainability of sharia rural bank in Central Java Rosida Dwi Ayuningtyas; Rosita Wati; Fitroh Safa’ah
Jurnal Ekonomi & Keuangan Islam Volume 4 No. 2, Juli 2018
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jeki.vol4.iss2.art1

This study analyzes the sustainability of the Islamic people's financing bank (BPRS) in Central Java in the period 2013 to 2017. The variables used in this study are financial sustainability ratio (FSR), non-performing financing, return on assets, financing debt ratio, operating expenses and capaital adequacy ratio. The sample selected in this study is 10 BPRS where the sample has published financial reports in Indonesian banks in 2013 to 2017. The analysis method used is panel data regression with the fixed effect method. In the test results that CAR partially has a positive effect on the financial sustainability ratio, while OER partially negatively affects the financial sustainability ratio. Based on the test results, BRPS Mount Slamet has the highest FSR value of 3.32%, while the lowest FSR is BPRS Saka Dana Mulia of 2.36%.

Pengaruh Kinerja Keuangan dan Maqashid Syariah Terhadap Financial Sustanability Ratio Pada Bank Pembiayaan Rakyat Syariah (BPRS) Di Jawa Tengah dan Daerah Istimewa Yogyakarta (DIY) Rosida Dwi Ayuningtyas; Samino Samino; M. Agus Fauzi
Laporan Penelitian dan Pengabdian Masyarakat LAPORAN PENELITIAN
Publisher : Laporan Penelitian dan Pengabdian Masyarakat

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

Penelitian ini bertujuan untuk mengatahui sustanabilitas bank pembiayaan rakyat syariah di jawa tengah dan DIY pada periode 2013 sampai 2017. Variabel-variabel yang digunakan dalam penelitian ini adalah financial sustainability ratio (FSR), CAR, BOPO, dimensi Maqashid syariah (Rasio Edukasi, functional distribution Ratio, Profitabilitas). Sampel yang terpilih dalam penelitian ini sebanyak 17 BPRS dimana sampel telah mempublish laporan keuangan di bank Indonesia tahun 2013 sampai 2017. Analisis yang digunakan adalah regresi data panel dengan metode random effect. Pada BOPO secara parsial berpengaruh negatif terhadap financial sustainability ratio, sedangkan rasio edukasi berpengaruh positif terhadap financial sustainability ratio. BPRS yang memiliki nilai sustanabilitas yang paling di Jawa Tengah adalah BPRS Gunung Slamet sebesar 354, 82% dan BPRS yang memiliki nilai sustanabilitas paling tinggi di DIY adalah BPRS BPRS Madina Mandiri Sejahtera sebesar 310.65%. Key Word: Financial Sustanability Rasio (FSR), Kinerja Keuangan, BPRS, Maqashid Sharia

Analisis Determinasi Pembiayaan Bermasalah Pada Bank Pembiayaan Rakyat Syariah (BPRS) Di Jawa Tengah Ayuningtyas, Rosida Dwi; Yurista, Dina Yustisi
SOSIO DIALEKTIKA Vol 5, No 1 (2020)
Publisher : LP2M

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/sd.v5i1.3470

Abtract This study ims to know Determination Analysis of problematic financing in Islamic Rural banks in Central Java. This research used the quantitative approach method. The variables used in this study are non-performing financing, FDR, BOPO, CAR, and assets. The sample selected in this study were 9 BPRS where the sample had published financial reports at Bank Indonesia from 2013 to 2018. The analysis used was panel data regression with the fixed effect method. FDR, BOPO, CAR, and Asset. The independent variables that partially influence the dependent variable (NPF) are the CAR and Asset variables while all the Independent Variables (FDR, BOPO, CAR and Asset) simultaneously influence the NPF on PT BPRS in Central Java in the period 2013 to 2018. BPRS that have The highest NPF is BPRS Asad Alif while BPRS that has the smallest NPF is BPRS Suriyah Keyword : Islamic Rural Banks, Determination, NPF, Efficiency, CAR, FDR, Asset

Analisa Faktor-Faktor Yang Mempengaruhi Harga Obligasi Bank Muamalat Periode Juli 2008 - Desember 2014 Rosida Dwi Ayuningtyas; Rindang Nuri Isnaini Nugrohowati
AKSES: Jurnal Ekonomi dan Bisnis Vol 10, No 19 (2015)
Publisher : Universitas Wahid Hasyim

The paper attempts to analyze the influence of deposit interest rate, profit sharing, exchangerate, Jakarta islamic index, financing debt ratio, and return on equity to sharia bond price ofIndonesia muamalat bank period july2008 until December 2014. The model used is errorcorrection model (ECM), with monthly time series data sourced from Indonesia stockexchanges, central bank, and financial services authorities. The result of the analysis showthat in the short run, the rupiah exvhange rate against the US dollar has a significantinfluence on the sharia bond price of Indonesia muamalat bank with its probability value0.0068, while the long term Jakarta Islamic index has significant effect with the probabilityvalue 0.0150 to the sharia bond price of the Indonesia muamalat bank in july period 2008until December 2014Keywords: Islamic bond, Islamic bank, macroeconomic, ECM model

Analisis Determinasi Pembiayaan Bermasalah Pada Bank Pembiayaan Rakyat Syariah (BPRS) Di Jawa Tengah Rosida Dwi Ayuningtyas; Dina Yustisi Yurista
SOSIO DIALEKTIKA : JURNAL ILMU SOSIAL HUMANIORA Vol 5, No 1 (2020)
Publisher : LP2M

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/sd.v5i1.3470

Abtract This study ims to know Determination Analysis of problematic financing in Islamic Rural banks in Central Java. This research used the quantitative approach method. The variables used in this study are non-performing financing, FDR, BOPO, CAR, and assets. The sample selected in this study were 9 BPRS where the sample had published financial reports at Bank Indonesia from 2013 to 2018. The analysis used was panel data regression with the fixed effect method. FDR, BOPO, CAR, and Asset. The independent variables that partially influence the dependent variable (NPF) are the CAR and Asset variables while all the Independent Variables (FDR, BOPO, CAR and Asset) simultaneously influence the NPF on PT BPRS in Central Java in the period 2013 to 2018. BPRS that have The highest NPF is BPRS Asad Alif while BPRS that has the smallest NPF is BPRS Suriyah Keyword : Islamic Rural Banks, Determination, NPF, Efficiency, CAR, FDR, Asset

PELATIHAN MANAJEMEN ZAKAT, INFAQ, DAN SHADAQAH KEPADA PENGELOLA DANA SOSIAL DESA LOPAIT, KECAMATAN TUNTANG KABUPATEN SEMARANG Rosida Dwi Ayuningtyas; Nur Ichsan; Muhammad Agus Fauzi
ABDIMAS UNWAHAS Vol 4, No 1 (2019)
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/abd.v4i1.2699

AbstrakZakat memiliki peran yang sangat penting, terutama dalam upaya pengentasan kemiskinan. Namun, Indonesia masih mengalami segudang permasalahan terkait zakat yang penyebab utamanya adalah permasalahan SDM, seperti yang terjadi di Desa Lopait Kecamatan Tuntang Kabupaten Semarang. Di desa ini, program penghimpunan zakat, infaq dan shadaqah telah berjalan rutin tiap bulan, tetapi pihak pengelola masih belum optimal dalam menyalurkan dana tersebut ke mustahiq. Oleh karena itu, diperlukan pelatihan manajemen penghimpunan dan penyaluran zakat kepada masyarakat di desa ini, agar program penyaluran zakat bisa berjalan optimal dan ikut memberikan kontribusi besar dalam mengentaskan kemiskinan di desa.Program pengabdian ini bertujuan untuk memberikan pelatihan manajemen zakat, infaq dan shadaqah kepada masyarakat Desa Lopait. Pelatihan ini dilakukan menyeluruh, tidak hanya menjangkau aspek penghimpunan dan penyaluran saja, tetapi juga menyentuh aspek akuntansi zakat agar terbentuk pengelola zakat yang akuntabel sehigga mendapat kepercayaan penuh dari masyarakat. Kegiatan ini dilaksanakan melalui beberapa tahapan, yaitu silaturrahim awal, persiapan administratif, dan komunikasi dengan Baznas setempat, pelaksanaan dan pendampingan pasca pelatihan. Ada empat materi yang disampaikan pada pelatihan ini, yaitu ZIS dan perannya dalam menanggulangi problem-problem sosial, Manajemen Sumber Daya Insani Lembaga Zakat, Strategi Pendanaan dan Pendistribusian Zakat, serta Akuntansi Zakat. Kata Kunci: Manajemen Zakat, Infaq dan Shadaqah, Desa Lopait.

Public's Perception and Preference Towards Halal Tourism Aghnia Nur Maulani; Rosida Dwi Ayuningtyas; Atieq Amjadallah Alfie
EkBis: Jurnal Ekonomi dan Bisnis Vol 5, No 1 (2021): EkBis: Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/EkBis.2021.5.1.1307

Halal tourism is a sector that has an important role in the economic development. For that, the main purpose of this study is to explore the perceptions and preferences of public towards halal tourism. It also aims to describe the level of importance performance of the halal tourism indicators in Semarang City and Kendal Regency. The design of this study was descriptive with quantitative approach. Data collection technique in this paper are randomly distributing questionnaires to 400 respondents. The halal tourism dimension is adapted from indicators applied by the Indonesian Muslim Travel Index. Then, the data analyzed by Gap Analysis and Importance Performance Analysis. The Result obtained that there are some indicators have low performance where as the level of influence is high, some indicators with level of influence followed by good performance, some indicators that have low level of influence and the performance is not good, and the indicators that the influence level is low but its performance is good

Ethics Of Islamic Consumption Behavior on Discount Promotion and Flash Sale (Overview of Theoretical Economics of Umar bin AL-Khattab) Siti Mudrikah; Rosida Dwi Ayuningtyas
AKSES: Jurnal Ekonomi dan Bisnis Vol 16, No 2 (2021): AKSES: JURNAL EKONOMI DAN BISNIS
Publisher : Universitas Wahid Hasyim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/akses.v16i2.5553

Consumption is something that inseparable from human life. It becomes an activity that needs special attention. There are many E-commerce sites use flash sale and discount models to attract consumers. However, here they must be able to determine consumption patterns cleverly. Allah has forbidden stingy nature but also forbids excess in consuming. Therefore, this paper will discuss a perspective of consumption ethics in Islam regarding flash sales and discounts in an all-digital era as it is today. This research will use the literature study method from various previous studies, books, and several related sources in obtaining data as research material. This paper will discuss the limitations in Islam in consuming certain goods during flash sales and discounts through Umar bin Khattab's economic fiqh study so that consumers do not only obey temporary desires, however, there is an ultimate goal in human life so that worldly desires can be managed by the teachings of the Quran and Hadith.Keywords: Flash Sale, Discounts , Islamic Consumption Ethics, Maslahah

Strategi Marketing Mix Perspektif Ekonomi Islam pada Hotel Semesta di Kota Semarang Farkhi Hazami; Rosida Dwi Ayuningtyas
AKSES: Jurnal Ekonomi dan Bisnis Vol 13, No 2 (2018): AKSES: JURNAL EKONOMI DAN BISNIS
Publisher : Universitas Wahid Hasyim

This research is a qualitative research to examine the application of Islamic economic perspective marketing in the business of sharia services in Semarang City, a case study in the sharia industry in the Sharia Universe of Semarang City. The focus of this research is to explain how the application of Islamic economic perspective marketing mix to hotel universe sharia. In this study focuses on product, price, promotion, distribution / place carried out by the hotel universe syariah city all the perspectives of Islamic economics theoretically. The purpose of this study is to provide a conclusion about the application of marketing mix namely product, price, promotion, and distribution / place carried out by hotel universe syariah Islamic economic perspective. This study uses a qualitative approach to the case study method. The data analyzed are the results of interviews, documentation and observations with the field of marketing, namely product, price, promotion, and distribution / place in the Semarang Sharia Universe Hotel. The results showed that the application of Islamic economic perspective marketing mix at the Semarang City Semesta Hotel had not been effective. Because in terms of Sharia Universe Hotel products still have not fully implemented several elements and sub elements provided by the Republic of Indonesia's Creative Economy Tourism Minister Regulation Number 2 of 2014 concerning guidelines for sharia hotel business operators. Keywords: Strategy, Marketing mix, Islamic Perspective, Sharia Industry

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