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All Journal LAPORAN PENELITIAN DAN PENGABDIAN MASYARAKAT AKSES: Jurnal Ekonomi dan Bisnis Jurnal Ekonomi & Keuangan Islam Stability: Journal of Management and Business Proceeding of Conference on Islamic Management, Accounting, and Economics EkBis: Jurnal Ekonomi dan Bisnis Abdimas UNWAHAS : Jurnal Pengabdian Masyarakat UNWAHAS Sosio Dialektika Jurnal Inovasi Teknik Kimia Ihtiyath : Jurnal Manajemen Keuangan Syariah ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) Nusantara Islamic Economic Journal JAKA (Jurnal Akuntansi, Keuangan dan Auditing) Journal of Islamic Economics Lariba IJMA
Ayuningtyas, Rosida Dwi
Universitas Wahid Hasyim
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Medicine & Pharmacology Social Sciences Other

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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

Abstract

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
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

Abstract

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
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

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Abstract

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
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

Abstract

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
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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (106.105 KB) | DOI: 10.31942/akses.v10i19.2049

Abstract

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
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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (229.124 KB) | DOI: 10.31942/akses.v13i2.3261

Abstract

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
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

Abstract

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
ANALISIS EFISIENSI BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) WILAYAH JAWA TENGAH & DIY DENGAN METODE DATA ENVELOPMENT ANALYSIS (DEA) PERIODE 2016 – 2018 rosida dwi ayuningtyas
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 4 No 2 (2020) : Vo.4 No.2 Desember 2020
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v4i2.2041

Abstract

This study aims to analyze the efficiency level of BPRS in the Central Java and DIY regions during the 2016-2018 period using the Data Envelopment Analysis (DEA) method. This study uses input variables consisting of third party funds, operating expenses and fixed assets, and uses output variables consisting of financing and operating income. This research uses quantitative methods and the data used is secondary data obtained from the financial reports of BPRS for the Central Java and DIY regions.. Based on calculations using the Banxia Frontier Analysis software, of the 33 BPRS that were sampled there were only 6 BPRS which always achieved 100% efficiency levels during 2016-2018, consisting of 2 BPRS in the Central Java region and 4 BPRS in the DIY area, namely PT. BPRS Sukowati Sragen and PT. BPRS Harta Insan Karimah Bahari for the Central Java region, PT. BPRS Madina Mandiri Sejahtera, PT. BPRS Mitra Amal Mulia, PT. BPRS Danagung Syariah and PT. BPRS Mitra Harmoni Yogyakarta for the DIY area. The rest has not yet reached efficiency. This inefficient is caused by a lack of productive financing distribution.
Analysis of factors affecting interests of student for saving on sharia financial institution; case study of Raudlatut Thalibin Leteh Rembang boarding school Susi Rahayu; Rosida Dwi Ayuningtyas; Maskudi Maskudi
Asian Journal of Islamic Management (AJIM) VOLUME 2 ISSUE 1, 2020
Publisher : Faculty of Business & Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ajim.vol2.iss1.art6

Abstract

Purpose: This study aims to examine the influences of religiosity, knowledge, and income toward the interest to open savings account in a sharia bank on students of Raudltut Thalibin Leteh boarding school in Rembang.Methodology: This study uses a survey with a sample of 100 students of Raudltut Thalibin Leteh boarding school in Rembang. Data analysis used in this study is SEM with AMOS software assistance. This research uses quantitative method. Data analysis used in this study is multiple linear regression analysis, classical assumption test, and t-test (Hypothesis Test).Findings: From the result of this research, it can be concluded that Knowledge (X2) and Income (X3) have an effect on interest to open saving account in sharia bank (Y). Meanwhile, trust (X1) has no effect on the interest to open saving account in sharia bank (Y).Originality: This study enriches the discussion in the literature by testing the influence of religiosity, knowledge and income in the context of Islamic boarding school students.
Analysis of bankruptcy prediction with Altman Z-Score method in Shariah rural bank in Central Java period 2011-2016 Umi Kholifah; Atieq Amjadallah Alfie; Rosida Dwi Ayuningtyas
Proceeding of Conference on Islamic Management, Accounting, and Economics CIMAE Volume 2, 2019
Publisher : Proceeding of Conference on Islamic Management, Accounting, and Economics

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Abstract

This research describes the implementation of Altman Z-Score to predict sharia rural bank bankruptcy in Central Java since 2011 – 2016. The research background is sharia rural bank competition to achieve public trust, especially small industries as the main funding focus. Qualitative methods is used to this research and analyze annual report of twelve sharia rural bank in Central Java. The annual report were analyzed with Altman Z-Score Modification formula then analyze WCTA, RETA, EBITTA, BVEBVD ratios. Data gained to analyze and scoring sharia rural bank bankruptcy. Based on research analysis shows that Rural Sharia Banking Bankruptcy is raise year by year. In the 2011 to 2016, Rural Sharia Banking in the bankruptcy area are 5, 7, 8, 7, 6, and 9. Although Rural Sharia Banking from 2011 to 2016 which in the grey area are 4, 5, 4, 5, 6, and 3. In the 2011 just 3 Rural Sharia Banking which notice that in the non-bankruptcy level. Based on this research, the manager should to stabilized and to health the bank. It was to banking function runs normally and not going to bankruptcy.
Co-Authors Aghnia Nur Maulani Alvina Damayanti Atieq Amjadallah Alfie Atieq Amjadallah Alfie Cecep Kusmana Dina Yustisi Yurista Ella Susanti Farikha Maharani Farkhi Hazami Fitri Sulistyorini Fitroh Safaah Fitroh Safa’ah Hasan, Hasan Khanifatul Ulwiyah M. Agus Fauzi M. Rizal Hanafi Maskudi Muhammad Agus Fauzi Nugrohowati, Rindang Nuri Isnaini Nur Ichsan Risti Lia Sari Rita Dwi Ratnani Rizal Muttaqin Rosita Wati Rosita Wati Samino Samino Sarah Maulina Sarah Maulina siti mudrikah Sri Retnoningsih Susi Rahayu Umi Kholifah Wulan Budi Astuti