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Peningkatan Kesehatan Masyarakat di Masa Pandemi Bagi Warga Panti Asuhan di Surabaya Clarashinta Canggih; Khusnul Fikriyah; Rachma Indrarini; Sri Abidah Suryaningsih; Nurul Hanifah
Dinamisia : Jurnal Pengabdian Kepada Masyarakat Vol. 5 No. 4 (2021): Dinamisia: Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Lancang Kuning

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31849/dinamisia.v5i4.6232

Abstract

This Community Service (PKM) activities is based on the condition of the orphanage which is inhabited by many people. Maintaining health is very important while living and interacting with many people during the Covid-19 Pandemic. One of the efforts to maintain health is by implementing personal hygiene so we are not become a virus carrier for other people. Based on the recommendation of WHO and also the Surabaya City Government, residents are asked to implement a clean and healthy lifestyle (PHBS). This PKM aimed to provide information to the community, particularly who lives in orphanage, about efforts to live a clean and healthy lifestyle and provide vitamins and foodstuffs to maintain and improve the personal health of the residents of the orphanage. The implementation of this Community Service activity took place from June-October 2020. With the implementation of this activity, it was found that there was an increase in the understanding of the orphanage about clean and healthy living habits. In addition, it is hoped that in the long term, the residents of the orphanage will be more concerned with personal hygiene and also apply health protocols in their daily lives so that they can break the chain of transmission of the Covid 19 pandemic
Analisis Kinerja Keuangan Bank Umum Syariah (BUS) melalui Pendekatan Islamicity Perfomance Index Dewi Sjam; Clarashinta Canggih
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5307

Abstract

The study aims to analyze the financial performance of Sharia commercial banks in Indonesia during 2016-2020 using the Islamicity Perfomance Index (IPI) approach. Measured by Profit Sharing Ratio, Zakat Perfomance Ratio, Equitable Distribution Ratio, Directors-Employee Welfare Ratio, and Islamic Income vs Non Islamic Income. In particular, these index not only measure materially, but also measures the social responsibility of Islamic banking performance. Data analysis used quantitative descriptive method. The research sample taken was 11 (eleven) Islamic banks and considered related to data, period, registered on the Financial Service Authority (OJK). The data obtained from annual report through the Islamic Bank official website. From the study result, it can be concluded that financial perfomance at Sharia Commercial Banks has not had a positive increase along the years. There was a significant degradation on 2017. It is affected by the value of zakat distribution and shareholders. But in terms of halalness, Sharia commercial banks have avoided the element of usury.
Analysis of Factors that Influence Investment Decisions in the Islamic Capital Market: Case Study of Surabaya City Hapsari Dinar Afifa Hariawan; Clarashinta Canggih
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 4 (2022): Juli-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20224pp495-511

Abstract

ABSTRAK Penelitian ini bermaksud mencari aspek yang memberikan pengaruh keputusan investasi di pasar modal syariah. Pada penelitian ini menggunakan metodologi kuantitatif Exploratory Factor Analysis (EFA) sehingga tidak diidentifikasikan variabel/konstruk bebas maupun konstruk terikat. Penelitian ini memanfaatkan metode purposive sampling dengan 100 responden yang disebar melalui kuesioner yang telah memenuhi kriteria penelitian. Hasil dari studi ini mengatakan ada 4 aspek yang memberikan pengaruh terhadap keputusan investasi di pasar modal syariah yaitu pengetahuan investasi, motivasi intrinsik dan ekstrinsik, informasi akuntansi, dan tabungan dan pinjaman. Keempat faktor tersebut mempengaruhi keputusan investasi di pasar modal syariah sebesar 61.388%. Penelitian ini mengandung implikasi bahwa faktor – faktor tersebut sebagai bahan pertimbangan investor dan pembaca saat melaksanakan investasi di pasar modal syariah. Investor dihimbau agar memiliki kehati-hatian saat pengambilan keputusan berinvestasi agar tidak terjadi kerugian yang tidak diinginkan. Kata Kunci: Pengetahuan Investasi, Motivasi Intrinsik dan Ekstrinsik, Informasi Akuntansi, Tabungan dan Pinjaman, Keputusan Investasi.   ABSTRACT This research aims to determine what aspects lead to investment decisions in the Islamic capital market. This study uses a quantitative approach of Exploratory Factor Analysis (EFA) so that neither independent nor dependent variables were identified. This research utilized a purposive sampling method with 100 participants distributed through a questionnaire that met the research criteria. The results of this research imply that 4 aspects affect investment decisions in the Islamic capital market, i.e investment knowledge, intrinsic and extrinsic motivation, accounting information, and savings and loans. These four factors affect investment decisions in the Islamic capital market by 61.388%. This study implies that these factors are considered by investors and readers in investing in the Islamic capital market. Investors are expected to be more cautious about decisions during investment so that unwanted losses do not occur. Keywords: Investment Knowledge, Intrinsic and Extrinsic Motivation, Accounting Information, Savings and Loans, Investment Decisions.   DAFTAR PUSTAKA Alquraan, T., Alqisie, A., & Al Shorafa, A. (2016). Do behavioral finance factors influence stock investment decisions of individual investors? (Evidences from Saudi stock market). American International Journal of Contemporary Research, 6(3), 159–169. Antonio, M. S., Hafidhoh, H., & Fauzi, H. (2013). the Islamic capital market volatility: A comparative study between in Indonesia and Malaysia. Buletin Ekonomi Moneter Dan Perbankan, 15(4), 391–415. https://doi.org/10.21098/bemp.v15i4.73 Budiman, I., Maulana, Z., & Kamal, S. (2021). Pengaruh literacy financial, experienced regret, dan overconfidence terhadap pengambilan keputusan investasi di pasar modal. Jurnal Manajemen Strategi Dan Aplikasi Bisnis, 4(2), 321–330. https://doi.org/10.36407/jmsab.v4i2.282 Chen, H. & V. (1998). An analysis of personal financial literacy among college students. Financial Service Review, 7(2), 107–128. https://doi.org/10.1016/S1057-0810(99)80006-7 Darmawan, I., Harsoyo, Y., & Rubiyanto, P. A. (2011). Melek ekonomi pangkal sejahtera, seri economic literacy, belajar ekonomi untuk mahasiswa dan masyarakat awam. Yogyakarta: CAPS. Darmawan, T., Nurwahidin, & Anwar, S. (2019). Analisis faktor-faktor yang memengaruhi keputusan investasi di pasar modal syariah. Jurnal Middle East and Islamic Studies, 6(2), 192–214. http://meis.ui.ac.id/index.php/meis/article/view/103 Ghozali, I. (2011). Aplikasi analisis multivariate dengan program SPSS. Semarang: Badan Penerbit Universitas Diponegoro. Kendari, I., Maksar, M. S., Zakiah, S., & Firdani, W. S. (2022). Pengambilan keputusan investasi syariah yang dimoderasi oleh gender (Studi pada investor mahasiswa galeri investasi syariah BEI pada IAIN Kediri). Skripsi tidak dipublikasikan. Kediri: IAIN Kediri. Kusumawati, M. (2013). Faktor demografi economic factors dan behavioral motivation dalam pertimbangan keputusan investasi di Surabaya. Finesta, 1(2). Listiani, R. (2021). Pengaruh motivasi investasi dan pengetahuan investasi terhadap keputusan berinvestasi di pasar modal syariah pada mahasiswa fakultas ekonomi bisnis Islam UIN Sultan Maulana Hasanuddin Banten. Skripsi tidak dipublikasikan. Serang: UIN Sultan Maulana Hasanuddin Banten. Mahastanti, L. A. (2011). Faktor-faktor yang dipertimbangkan investor dalam melakukan investasi. Jurnal Manajemen Teori Dan Terapan, 4(3), 37–51. https://doi.org/10.20473/jmtt.v4i3.2424 Malik, A. D. (2017). Analisa faktor – faktor yang mempengaruhi minat masyarakat berinvestasi di pasar modal syariah melalui bursa galeri investasi UISI. Jurnal Ekonomi Dan Bisnis Islam, 3(1), 61. https://doi.org/10.20473/jebis.v3i1.4693 Nurin, F., S, B. G., & Budiman, J. (2020). Pengaruh literasi keuangan terhadap keputusan investasi mahasiswa pada kantor perwakilan bursa efek Indonesia Kalimantan Barat (Studi pada Mahasiswa UNTAN). Jurnal Pendidikan Dan Pembelajaran Khatulistiwa, 9(12), 1–8. Suprasta, N., & Nuryasman M. N. (2020). Faktor-faktor yang mempengaruhi pengambilan keputusan investasi saham. Jurnal Ekonomi, 25(2), 251. https://doi.org/10.24912/je.v25i2.669 Pajar, R. C & Pustikaningsih, A. (2017). Pengaruh motivasi investasi dan pengetahuan investasi terhadap minat investasi di pasar modal pada mahasiswa FE UNY. Jurnal Profita: Kajian Ilmu Akuntansi, 5(1). Panter, A. T., Swygert, K. A., Dahlstrom, W. G., & Tanaka, J. S. (1997). Factor analytic approaches to personality item - level data. Journal of Personality Assesment, 68(3), 561–589. https://doi.org/10.1207/s15327752jpa6803_6 Puspitaningtyas, Z. (2012). Relevansi nilai informasi akuntasi dan manfaat bagi investor. Ekuitas: Jurnal Ekonomi dan Keuangan, 16(2), 164-183. https://doi.org/10.24034/j25485024.y2012.v16.i2.214 Rahim, A., & Saputra, H. (2017). Exploratory factor analysis (EFA) pada penyerapan anggaran pendapatan dan belanja negara (APBN) tahun 2017 di Provinsi Sumatera Barat. Indonesia Treasury Review, 3(3), 236-254. https://doi.org/10.33105/itrev.v3i3.72 Rakhmatulloh, A. D., & Haryono, N. A. (2019). Pengaruh overconfidence, accounting information, dan behavioural motivation terhadap keputusan investasi di Kota Surabaya. Jurnal Ilmu Manajemen (JIM), 7, 796–806. Rasuma Putri, N. M. D., & Rahyuda, H. (2017). Pengaruh tingkat financial literacy dan faktor sosiodemografi terhadap perilaku keputusan investasi individu. E-Jurnal Ekonomi Dan Bisnis Universitas Udayana, 9, 3407. https://doi.org/10.24843/eeb.2017.v06.i09.p09 Rezeki, F. A. S., & Pitaloka, E. (2020). Faktor-faktor yang mendorong keputusan investasi saham di masa pandemic. Seminar Nasional Terapan Riset Inovatif (SENTRINOV) Ke-6 ISAS Publishing Series: Social and Humanities, 6(2), 131–138. Rivo, M. C., & Ratnasari, R. T. (2020). Faktor yang mempengaruhi perilaku investor Muslim dalam keputusan berinvestasi saham syariah. Jurnal Ekonomi Syariah Teori Dan Terapan, 7(11), 2202-2220. https://doi.org/10.20473/vol7iss202011pp2202-2220 Rofiah, A. W. (2021). Pengaruh pengetahuan, motivasi, keuntungan dan risiko investasi terhadap keputusan menjadi investor di pasar modal syariah (Studi kasus pada nasabah PT Reliance Sekuritas Indonesia Tbk Malang). Skripsi tidak dipublikasikan. Tulungagung: UIN SATU Tulungagung. Saputri, W., & Nurwahidin. (2021). Faktor yang mempengaruhi keputusan investasi generasi milenial pada produk syariah di pasar modal. Jurnal Tabarru’: Islamic Banking and Finance, 4(2), 423–430. https://doi.org/10.25299/jtb.2021.vol4(2).7805 Stephanie, P. D., Enjelina, S., Angelica, M. F., Martinelli, I. (2021). Aspek hukum pelaksanaan vaksinasi covid-19 di Indonesia. Prosiding SENAPENMAS, 10(April), 1263. https://doi.org/10.24912/psenapenmas.v0i0.15162 Sunariyah. (2011). Pengantar pengetahuan pasar modal. Yogyakarta: Unit Penerbit dan Percetakan AMP YKPN Yogyakarta. Surur, M. (2021). Pengaruh religiusitas, kelompok acuan, dan pengetahuan terhadap keputusan investasi mahasiswa FEBI UIN Sunan Ampel Surabaya di pasar modal syariah dengan minat sebagai variabel intervening. Skripsi tidak dipublikasikan. Surabaya: UIN Sunan Ampel. Tandelilin, E. (2010). Dasar-dasar manajemen investasi. In Manajemen Investasi (pp. 1–34). Jakarta: Universitas Terbuka. Triana, O. F., & Yudiantoro, D. (2022). Pengaruh literasi keuangan, pengetahuan investasi, dan motivasi terhadap keputusan berinvestasi mahasiswa di pasar modal syariah. SERAMBI: Jurnal Ekonomi Manajemen Dan Bisnis Islam, 4(1), 21–32. https://doi.org/10.36407/serambi.v4i1.517
Pelatihan Pengelolaan Keuangan Keluarga Islami Bagi Ibu-Ibu PKK Kecamatan Ganding Kabupaten Sumenep Khusnul Fikriyah; Lucky Rachmawati; Sri Abidah Suryaningsih; Clarashinta Canggih
Inspirasi: Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol. 1 No. 2 (2021): Agustus
Publisher : Inspirasi Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (876.67 KB)

Abstract

Family financial arrangements are needed to maintain the welfare of the family economy. For Muslim families, Islamic management is very much needed in order to maintain a balanced financial condition in the world and the hereafter. Community Service (PKM) is carried out in Ganding District, Sumenep Regency. In this area the majority of the population is Muslim, but their educational background is 78% of elementary school graduates, so it is estimated knowledge about Islamic financial management is still very low. The form of activities undertaken is training in Islamic family financial management. The purpose of this PKM is to introduce the community closer to the Islamic family financial management. It is hoped that this community service will be a solution for the community to be able to manage family finances in accordance with Islamic teachings, so that the income earned and used becomes more blessing. The results of the implementation of the PKM "Training on Islamic Family Financial Planning for PKK Women in Ganding District, Sumenep Regency" showed an increase in understanding and skills in planning family finances well.
PENGARUH PENGETAHUAN, RELIGIUSITAS, MOTIVASI SERTA PERSEPSI TERHADAP KEPUTUSAN MAHASISWA MEMILIH BANK SYARIAH (STUDI PADA MAHASISWA EKONOMI ISLAM JAWA TIMUR) Tri Elok Kosnia; Clarashinta Canggih
Jurnal Adz-Dzahab: Jurnal Ekonomi dan Bisnis Islam Vol 7 No 2 (2022): Adz-Dzahab Volume 7 Nomor 2 Oktober 2022
Publisher : IAI Muhammadiyah Sinjai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47435/adz-dzahab.v7i2.1055

Abstract

Perkembangan persebaran Bank Syariah yang pesat didukung oleh beberapa faktor salah satunya pendidikan, hal ini dibuktikan banyaknya program studi Ekonomi Islam yang tersebar di berbagai perguruan tinggi di Indonesia. Dengan ini menunjukkan adanya hubungan yang kuat, positif, dan signifikan antara pemahaman materi Ekonomi Islam yang diajarkan dalam program studi Ekonomi Islam terhadap niat untuk menabung pada bank syariah. Tujuan penelitian ini guna menganalisis pengaruh pengetahuan, religiusitas, motivasi serta persepsi terhadap keputusan mahasiswa memilih Bank Syariah secara parsial dan simultan di Jawa Timur. Penelitian ini menggunakan metode kuantitatif dengan teknik pengambilan data melalui kuesioner serta pengolahan data menggunakan uji regresi linear berganda. Hasil yang didapat dalam penelitian ini memiliki kesimpulan bahwa secara parsial atau simultan pengetahuan, religiusitas, motivasi serta persepsi memiliki pengaruh terhadap keputusan mahasiswa memilih Bank Syariah sebesar 97,9%.
ARE ISLAMIC BANKS STILL SOUND AMIDST PANDEMIC? Clarashinta Canggih; Fira Nurafini; Sri Abidah Suryaningsih; Khusnul Fikriyah; Rachma Indrarini; Fitriah Dwi Susilowati
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 10, No 2 (2022): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v10i2.17256

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The paper aims to check whether Islamic banks in Indonesia remain sound amid the Covid-19 Pandemic by comparing the soundness levels of Islamic commercial banks before and during the Covid-19 Pandemic. This research used a quantitative approach with the non-parametric Wilcoxon Signed-Rank Test to compare bank soundness before and during the Covid-19 Pandemic. The bank's resilience was measured using the Risk-Based Bank Rating (RBBR), e.g., Non-Performing Finance (NPF), Finance to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), and Net Operating Margin (NOM). The study exempted aspects of Good Corporate Governance since it is qualitative. The study used quarterly data in 2018-2019 (before the pandemic) and 2020-2021 (during the pandemic). The results showed a significant difference between CAR before and during the Covid-19 Pandemic. Meanwhile, NPF, FDR, ROA, and NOM showed no significant differences before and during the Covid-19 Pandemic. Based on the results, it can be concluded that the Covid-19 Pandemic generally does not affect the Islamic banks' soundness level, except for capital. It showed that the Islamic Bank proved to be resilient against crises. The study adds literature on the resilience of Islamic banks, particularly during the Covid-19 Pandemic, and validates the RBBR measurement to analyze the bank's soundness. In addition, the results of this study are also expected to be a consideration for policymakers to design the right policies for optimizing Islamic banks to thrive and support post-pandemic recovery.
Pengaruh Kepercayaan, Nisbah bagi Hasil dan Persepsi Risiko terhadap Keputusan Pemilihan Produk Deposito IB Devia Almeyda; Clarashinta Canggih
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 2 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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

Abstract

The increasing number of Islamic bank term deposit account indicates attract attention in sharia deposits. An in crease in the number of deposit accounts can be caused by several factors. This study aims to determine the effect of trust, profit sharing ratio and perceived risk on the decision to choose Islamic bank term deposit. The samples used in this study were 108 respondents Islamic bank deposit customers in Sidoarjo and Surabaya that are determined by purposive sampling. The analytical method used is Confirmatory Factor Analysis (CFA). The result of this study indicated that trust has an effect on the decision to choose Islamic bank deposit, while profit sharing ratio and perceived risk have no effect on the decision to choose Islamic bank deposit. With the results of this study, it is hoped that future researchers can do further research related to the decision to choose deposit products at different Islamic Banks in the community and add other variables such as literacy and spirituality levels so that they can correct existing deficiencies.
celebrity endorsement sebagai strategi digital marketing pada aqiqah nurul hayat surabaya ditinjau dari perspektif etika bisnis islam Hilda Tri Pur Wulan Septy; Clarashinta Canggih
Jurnal Ekonomika dan Bisnis Islam Vol 5 No 2 (2022): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (778.814 KB) | DOI: 10.26740/jekobi.v5n2.p30-44

Abstract

This research aimed to find out the digital marketing strategy in Aqiqah Nurul Hayat through endorsements. In addition, this study also aimed to determine the conformity of endorsement activities with the concept of Islamic business ethics. This study used qualitative research methods i.e. field research and library research. The data was collected through interview, observation, and documentation. The results indicate that Aqiqah Nurul Hayat's digital marketing strategy is through endorsements on social media (instagram and tiktok). This strategy is able to expand market reach as proved by increased Instagram engagement through the number of likes, comments, shares, views, and reposts. However, the agreement between the celebrity and Aqiqah Nurul Hayat who uses the barter system is still considered weak. The results show that, the implementation of celebrity endorsement at Aqiqah Nurul Hayat is not following the principles of responsibility and truth under the concept of Islamic business ethics, whereby sometimes some celebrities do not carry out their obligations in accordance with the terms and conditions of the endorsement. However, the principles of unity, balance, and free will are in accordance with the principles of Islamic business ethics whereby the endorsement procedure benefitted both parties through negotiations and freedom of opinion while conducting business.
Pengaruh Tingkat Kesehatan Bank Terhadap Pertumbuhan Laba Pada Bank Umum Syariah Di Indonesia Tahun 2014-2020 Muhammad Dzanizar Miftahul Arifin; Clarashinta Canggih
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 4 (2022)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (599.14 KB) | DOI: 10.30651/jms.v7i4.12990

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Tujuan dari penelitian adalah untuk menganalisis hubungan antara tingkat kesehatan bank umum syariah metode RGEC dengan menggunakan variabel Net Performing Financing, Financing to Deposit Ratio, Good Corporate Governance, Return on Assets, dan Capital Adequacy Ratio atas pertumbuhan laba pada rentang tahun 2014 sampai tahun 2020. Pendekatan penelitian kuantitatif dan teknik regresi data panel digunakan pada metode penelitian ini. Data sekunder yang dipakai ialah laporan keuangan yang dipublish di situs bank syariah terkait atau situs Otoritas Jasa Keuangan, dengan populasi seluruh Bank Umum Syariah yang berada di Indonesia. Hasilnya mendapati, Net Performing Financing (NPF) dan Return on Assets (ROA) secara parsial berpengaruh signifikan terhadap pertumbuhan laba. Sedangkan, secara simultan semua variabel tingkat kesehatan bank tidak memiliki pengaruh terhadap pertumbuhan laba.
Efficiency of Islamic Insurance in Indonesia Rachma Indrarini; Clarashinta Canggih
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 8 No. 2 (2019): Oktober
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36835/iqtishoduna.v8i2.413

Abstract

This paper aims to measure Islamic Insurance Efficiency in Indonesia. This paper uses quantitative data analysis through Data Envelopment Analysis to assess efficiency. Input variables in this study are total assets, expenses, and claims payments, while the output variables used are tabaru income and funds during 2012-2016. The objects of this paper are PT. AJS Amanahjiwa Giri Arta, PT AJS Al Amin, and PT Asuransi Takaful Keluarga. The result shows that in general, Islamic insurance in Indonesia is not yet efficient.