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All Journal El Dinar Jurnal Ekonomi Syariah Teori dan Terapan Jurnal Pengabdian Kepada Masyarakat (Indonesian Journal of Community Engagement) Hayula: Indonesian Journal of Multidisciplinary Islamic Studies Perisai : Islamic Banking and Finance Journal al-Uqud : Journal of Islamic Economics Al Huquq : Journal of Indonesian Islamic Economic Law Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah Indonesian Journal of Cultural and Community Development Indonesian Journal of Law and Economics Review Islamiconomic: Jurnal Ekonomi Islam JSCS Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Amaluna: Jurnal Pengabdian Masyarakat

Ninda Ardiani

Universitas Muhammadiyah Sidoarjo

Author-ID : 515177

Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Gadai Emas Alternatif Tambahan Modal Usaha Mikro Kecil dan Menengah Pada Lembaga Keuangan Syariah Ardiani, Ninda; Nafik HR, Muhammad
Jurnal Ekonomi Syariah Teori dan Terapan Vol 2, No 8 (2015): Agustus-2015
Publisher : Jurnal Ekonomi Syariah Teori dan Terapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (116.731 KB)

The method used is a qualitative approach with the strategy case study. The collection ofÂ data that is passed is the interview to the informant, the assistant pawn Islamic financialÂ institutions and Micro, Small and Medium Enterprises customers pawn gold. The analysisÂ technique used is the technique of pairing patterns with narrating the interviews withÂ informants. Results from this study is the gold pawn Islamic financial institutions may be aÂ reinforcement of capital Micro, Small and Medium Enterprises. The use of gold as a pledge ofÂ capital strengthening of capital Micro, Small and Medium Enterprises undertaken to meetÂ short-term capital in the form of working capital. Requirements are simple and fast processÂ makes this product desirable pengusha Micro, Small and Medium Enterprises. Using gold as aÂ pledge of additional capital, the of capital Micro, Small and Medium Enterprises businessÂ grew and developing States.

INVESTASI RAJA SALMAN DI INDONESIA DALAM PANDANGAN EKONOMI MAKRO ISLAM Ardiani, Ninda Ardiani
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 6, No 1 (2018): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

The purpose of this research is to look at the investment that King Salman has made in Indonesia in view of the macro-Islamic economy. Involvement of foreign parties here provides additional existing capital, lowers existing unemployment, improves development, increases selling products value in the country and the establishment of multiteral or bilateral cooperation. Foreign investment made by Saudi Arabia during 2016 is in position 57 of 121 existing Country. The investment made by Saudi Arabia is 0.9 USD and involves 44 Projects. The results of this study indicate that the granting of Saudi Arabia Investment to Indonesia in order to visit the king of salman to Indonesia gave a positive impact that is approved by the cooperation of oil refinery in cilacap. Investments in Islamic Economy Countries are underpinned by Three Factors, namely (1) there are sanctions against the less or unproductive holder (hoarding idle assets); (2) prohibited from any form of speculation and all kinds of gambling; (3) the interest rate of various loans is zero

THE EFFICIENCY OF ZAKAT COLLECTION AND DISTRIBUTION: EVIDENCE FROM DATA ENVELOPMENT ANALYSIS Ardiani, Ninda
al-Uqud : Journal of Islamic Economics Vol 3, No 1 (2019): January
Publisher : Universitas Negeri Surabaya

The purpose of this study is to see the efficiency of the national zakat institutionsÂ in the collection of funds and distribution. Dompet Dhuafa is one of the national zakat institutionsÂ which has branch office spreadÂ in Indonesia. The problemÂ is how efficient is the institution of zakat when collecting zakat funds and channeling it. This research uses Data Envelopment Analysis (DEA) method with two test that is test for zakat fund and test to non-zakat fund. Input variables consist of receipts obtained by zakat institutions, while the output variables consist of expenditures for 8 asnaf and other expenditures. Data taken from Dompet Dhuafa financial statements from 2011 to 2015. The results of this study addressedÂ in 2011, 2014 and 2015 Dompet Dhuafa in collecting and disbursing zakat funds and non-zakat funds have been efficient. Inefficiencies that occur in the year 2012 and 2013 due to not optimal channeling of funds from Dompet Dhuafa.

Analysis of Efficiency for Zakat Management Organization in Indonesia: A Comparison Study of Super Efficiency and Free Disposal Hull Muhamad Nafik Hadi Ryandono; A Syifaul Qulub; Eko Fajar Cahyono; Tika Widiastuti; Elsi Mersilia Hanesti; Ninda Ardiani; Taqiyah Dinda Insani
Hayula: Indonesian Journal of Multidisciplinary Islamic Studies Vol 5 No 2 (2021): Hayula: Indonesian Journal of Multidisciplinary Islamic Studies
Publisher : Laboratorium Prodi Pendidikan Agama Islam UNJ

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/005.02.01

This research aims to analyze the efficiency level of fourteen Zakat Management Organizations (ZMO) in Indonesia. This study uses a quantitative approach with the method of Free Disposal Hull (FDH) and the Super Efficiency (SE) method. Socialization Expense, Operational Expense, and Salary Expense are the input variables, while zakah fund collection and zakah distribution become the output variables. Empirical findings show that ZMO Corp 4 has the highest efficiency level, which analyzed through both methods of FDH or SE. ZMO managed by the government is the most efficient ZMO compared to the others who managed by private group and social organization. Total Potential Importance (TPI) shows that the output variable that requires the most significant adjustment is the zakat distribution, which is 12.66%

Gadai Emas Alternatif Tambahan Modal Usaha Mikro Kecil dan Menengah Pada Lembaga Keuangan Syariah Ninda Ardiani; Muhammad Nafik HR
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 2 No. 8 (2015): Agustus-2015
Publisher : Universitas Airlangga

The method used is a qualitative approach with the strategy case study. The collection of data that is passed is the interview to the informant, the assistant pawn Islamic financial institutions and Micro, Small and Medium Enterprises customers pawn gold. The analysis technique used is the technique of pairing patterns with narrating the interviews with informants. Results from this study is the gold pawn Islamic financial institutions may be a reinforcement of capital Micro, Small and Medium Enterprises. The use of gold as a pledge of capital strengthening of capital Micro, Small and Medium Enterprises undertaken to meet short-term capital in the form of working capital. Requirements are simple and fast process makes this product desirable pengusha Micro, Small and Medium Enterprises. Using gold as a pledge of additional capital, the of capital Micro, Small and Medium Enterprises business grew and developing States.

THE EFFICIENCY OF ZAKAT COLLECTION AND DISTRIBUTION: EVIDENCE FROM DATA ENVELOPMENT ANALYSIS Ninda Ardiani
al-Uqud : Journal of Islamic Economics Vol. 3 No. 1 (2019): January
Publisher : Universitas Negeri Surabaya

The purpose of this study is to see the efficiency of the national zakat institutions in the collection of funds and distribution. Dompet Dhuafa is one of the national zakat institutions which has branch office spread in Indonesia. The problem is how efficient is the institution of zakat when collecting zakat funds and channeling it. This research uses Data Envelopment Analysis (DEA) method with two test that is test for zakat fund and test to non-zakat fund. Input variables consist of receipts obtained by zakat institutions, while the output variables consist of expenditures for 8 asnaf and other expenditures. Data taken from Dompet Dhuafa financial statements from 2011 to 2015. The results of this study addressed in 2011, 2014 and 2015 Dompet Dhuafa in collecting and disbursing zakat funds and non-zakat funds have been efficient. Inefficiencies that occur in the year 2012 and 2013 due to not optimal channeling of funds from Dompet Dhuafa.

Economic Empowerment of Dhuafa Families Through Digital Business and Financial Management Based on Maqashid Sharia in Tambakrigadung, Lamongan Tika Widiastuti; Puji Sucia Sukmaningrum; Lina Nugraha Rani; Muhammad Ubaidillah Al Mustofa; Ninda Ardiani
Jurnal Pengabdian kepada Masyarakat (Indonesian Journal of Community Engagement) Vol 8, No 3 (2022)
Publisher : Direktorat Pengabdian kepada Masyarakat Universitas Gadjah Mada

Indonesia has an agricultural sector that contributes signiﬁcantly to the Indonesian economy. However, when the COVID-19 pandemic aﬀected the agricultural industry, it impacted much on the Maju Mulyo Farmer Group in Tambakrigadung, Lamongan. The majority of members of the Maju Mulyo Farmer Group were classiﬁed as dhuafa, which means that they had limitations in developing their businesses, planning family ﬁnances, and in using technology optimally to support business continuity. The solution provided was through community economic empowerment activities related to Maqashid Sharia-based ﬁnancial management and digital marketing. The method began by identifying the existing conditions of the Maju Mulyo Farmer Group. Subsequently, it was proceeded with the training stages which included product development training, business management, recording simple accounting reports, e-commerce, digital marketing, and family ﬁnancial management. The last stage consisted of mentoring, empowering, monitoring, and evaluation. The results of community service activities and providing training with regular assistance could open new insights for rural communities regarding ﬁnancial and business management amid the COVID-19 Pandemic. Financial management and digital business could facilitate the daily activities of residents and improve the ability of villagers to survive during the COVID-19 pandemic.

Sharia Compliance Contracts Of Muamalat Bank Fund Distribution Products Ninda Ardiani; Meri Yuliani; Masruchin
Perisai : Islamic Banking and Finance Journal Vol 6 No 2 (2022): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v6i2.1613

This study is intended to determine the Aqad Sharia Compilance product distribution of Islamic bank funds. This level will show how Islamic banks carry out the tijarah function and the tabarru function together to create the value of the existence of falah or welfare. Approach The research uses a case study approach. The results showed that Bank Muamalat Mas Mansyur Surabaya branch office had level one Sharia Aqad Compliance on fund distribution products with the dominance of murbahah contracts. However, bank Muamalat is in an effort to reach the 4th level of Aqad Syariah Compliance to maximize the distribution of Musyarkah financing in the spiritual market. Unfavorable economic conditions as well as for mitigating risks that may arise have made the Sharia Aqad Compliance Level for distribution products at level one. This shows that Muamalat bank has not been optimal in carrying out the tabbaru function properly. However, Bank Muamalat has a positive value from their market share priority which is targeting the spiritual market. Giving priority to the spiritual market indicates that Bank Muamalat is not only looking for profit but is trying to balance the value of their kaffah.

Efficiency and Productivity of Zakat Management Organization Before and During Pandemic Covid-19 Ninda Ardiani; Fitri Nur Latifah; Satrio Sudarso; Nuris Tiswanah
Indonesian Journal of Cultural and Community Development Vol 14 No 2 (2023): June
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijccd.v14i2.951

This study investigates the efficiency and productivity of zakat institutions in Indonesia before and during the Covid-19 pandemic using Data Envelopment Analysis (DEA) and the Malmquist Productivity Index (MPI). Our findings reveal that three out of the five zakat institutions exhibited efficiency at different periods. Notably, LAZ Al Azhar demonstrated consistent efficiency both before and during the pandemic, while LAZISNU was efficient in 2019-2020 but experienced inefficiency in 2021. Additionally, LAZ Rumah Zakat exhibited an increase in efficiency in 2020 but regressed to inefficiency in 2021, primarily attributed to excessive distribution of ZIS funds in each institution. These findings highlight the urgent need for standardization and optimization of zakat management to unlock its immense potential for equitable distribution and impact during times of crisis, offering valuable insights for policymakers and zakat institutions globally. Highlights: Standardization and Optimization: The absence of standardized zakat management contributes to suboptimal collection and distribution of zakat funds in Indonesia. DEA and MPI Analysis: Data Envelopment Analysis (DEA) and the Malmquist Productivity Index (MPI) serve as effective methods to evaluate the operational efficiency and productivity of zakat institutions. Implications for Global Zakat Institutions: Understanding the dynamics of zakat efficiency during crises can offer valuable insights for similar institutions worldwide to enhance their distribution impact and resource management. Keywords: Zakat institutions, Efficiency, Productivity, Indonesia, Covid-19 pandemic.

Fintech Peer To Peer Lending Sharia as an Alternative Capital for MSME in Sidoarjo Fitri Nur Latifah; Ninda Ardiani; Novia Ariyanti; Mega Novita Syafitri
Indonesian Journal of Law and Economics Review Vol 18 No 3 (2023): August
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijler.v18i3.943

This study aims to explore the role of Islamic peer-to-peer lending fintech as an alternative solution to Sidarjo's MSME capital problem. As we know there are still many MSMEs still unbankable. So when capital issues arise, they are in trouble. Therefore, the existence of Sharia Fintech with P2P system is expected to be the solution to these problems. The study uses a qualitative case study method that collects secondary and primary data through interviews with Sidoarjo economic officials. The conclusion of this study shows that sharia peer-to-peer loan financing to MSME can improve his MSME's performance. Sidoarjo's MSMEs just lack understanding of Sharia Fintech P2P as an alternative to capital. Highlights: Sharia Fintech P2P as a solution for MSME capital problem Qualitative case study using secondary and primary data Lack of understanding hindering MSMEs from accessing Sharia P2P finance. Keywords: Islamic peer-to-peer lending,Fintech,MSMEs,Sidoarjo,Sharia finance

Co-Authors A Syifaul Qulub Adinda Meyta Saharani Andriani, Fira Juni Eko Fajar Cahyono, David Kaluge Fitri Nur Latifah Hanesti, Elsi Mersilia Krisnaningsih, Diah M Ruslianor M Mafula, Faricha Masruchin Masruchin Mega Novita Syafitri Meri Yuliani Muhamad Nafik Hadi Ryandono, Muhamad Nafik Muhammad Nafik HR, Muhammad Muhammad Ubaidillah Al Mustofa Noer Putri Alisya Setiawati Novia Ariyanti Nur Aini, Dyah Ayu Nuris Tiswanah Puji Sucia Sukmaningrum Rani, Lina Nugraha Saputri, Dian Maharani Sudarso, Satrio Suwito, Jasmine Aura Salsabilla Taqiyah Dinda Insani Tika Widiastuti Tofan Tri Nugroho

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