This study aims to determine and analyze the effect of compensation and work discipline on the pe... more This study aims to determine and analyze the effect of compensation and work discipline on the performance of the employees of the Baringin Lima Kaum office. This research type is field research with descriptive quantitative method. The results showed that compensation did not partially affect employee performance, but work discipline partially had a positive and significant effect on employee performance at the Baringin village office. While simultaneously compensation and work discipline have a positive effect on the performance of the employees of the Baringin village office, Lima Kaum District. The results of this assessment have a contribution to the management of the wali nagari contor in improving employee performance in the future.
Transformasi digital banking menjadi isu penting dalam industri perbankan saat ini. Disrupsi digi... more Transformasi digital banking menjadi isu penting dalam industri perbankan saat ini. Disrupsi digital telah mengubah cara orang melakukan bisnis dan bertransaksi. Namun demikian masih banyak persoalan yang dihadapi dalam melakukan transformasi digital. Tujuan penelitian ini adalah menganalisis proses transformasi digital ada industri Perbankan Syariah di Indonesia dan dampaknya terhadap perkembangan dan pertumbuhan bank syariah. Metode penelitian menggunakan kualitatif deskriptif dengan pendekatan Systematic Literature Review. Data dikumpulkan dari referensi literatur ilmiah, buku dan laporan dari lebaga resmi. Hasil penelitian menujukan bahwa proses akserelasi transformasi digital pada perbankan syariah dipercepat dengan adanya pandemic covid-19. Kondisi ini mengharuskan perbankan syariah menjadikan ransformasi digital sebagai prioritas dan trategi dalam upaya peningkatan daya saing bank. Transformasi digital berdampak terhadap perkembangan bank syariah dengan meningkatnya jumlah nasabah dan jumlah aset, banyak bank umum syariah yang menyediakan layanan digital dan adanya bank syariah yang murni beroperasi secara digital.
Human Falah: Jurnal Ekonomi dan Bisnis Islam, Jun 24, 2022
This paper aims to analyze the performance of Islamic Rural Banks in West Sumatra Province. This ... more This paper aims to analyze the performance of Islamic Rural Banks in West Sumatra Province. This paper uses the quantitative method. The population of this research was all Islamic Rural Banks in West Sumatra Province of seven banks. The paper uses The seven Islamic Rural Banks annual reports within 2018-2020 from website Otoritas Jasa Keuangan (OJK). The analysis uses the Integrated Maqashid al-Shariah based Performance Measure (IMSPM). The results showed that the performance of the Islamic Rural Banks in the Maqashid Syariah Index with the highest achievement on the object of faith (din) for a period of three years. The study found that there were no activities for the Islamic Rural Banks on the object of intellect ('aql) and on the object of posterity (nasl).The results of performance measurement with the IMSPM model can be a notification for Islamic Rural Banks in West Sumatra regarding more efforts to realize maqashid shariah in the Islamic banking industry.
Education management is carried out in order to facilitate the achievement of school goals that h... more Education management is carried out in order to facilitate the achievement of school goals that have been set and increase school competitiveness in the global world. In integrated Islamic schools, especially Bukittinggi Excellent Islamic Elementary School (SD Islam Excellent Bukittinggi), the management of religious fields is developed and balanced with general fields so as to form intelligent learners and moral values who implement values based on the Quran and the Sunnah. The management of education at the SD Islam Excellent Bukittinggi also meets eight national standard of education in the context of achieving good quality. The implementation of integrated school management here can be seen in the management of the curriculum, organizational structure, school fees, development of facilities and infrastructure. In addition, the school also manages the development of strategies to improve the quality of graduates through improving the competence of teaching staff, optimizing student activities, increasing cooperation with parents for the progress of the school.
Al-bank Journal of Islamic Banking and Finance, Jan 31, 2022
This study aims to analyze the effect of Third Party Funds and Capital on the Net Profit of PT BC... more This study aims to analyze the effect of Third Party Funds and Capital on the Net Profit of PT BCA Syariah for the period 2011-2020 with the Financing to Deposit Ratio as the Intervening variable. This type of research is quantitative research with quantitative descriptive methods. Data collection techniques using documentation with secondary data sources in the form of quarterly financial statements of PT BCA Syariah. The data analysis technique used path analysis which was processed with SPSS 26 software. The results showed that Third Party Funds directly had a significant influence on the Net Profit of PT BCA Syariah. Likewise, capital directly has a significant effect on Net Profit. Third Party Funds and Capital indirectly through the Financing to Deposit Ratio have no effect on the Net Profit of PT BCA Syariah for the 2011-2020 period. This research can be an input for PT BCA Syariah in making policies related to increasing company profitability
Al-bank Journal of Islamic Banking and Finance, Jul 30, 2022
This study aims to explore the application of derivative transactions in Islamic financial instit... more This study aims to explore the application of derivative transactions in Islamic financial institutions in Indonesia, Malaysia and Pakistan. The research method uses descriptive qualitative approach with Systematic Literature Review. Data collection techniques using documentation. The results show that derivative transactions are permitted only for Future Trading on the Commodity Exchange at the Jakarta Futures Exchange which is regulated in fatwa DSN No. 82 of 2011. Derivative transactions are also allowed to hedging aims to mitigate risk in foreign exchange transactions, not for speculation. This view is also in line with the application in Malaysia and Pakistan that the practice of derivatives is only a hedging to minimize risk. The challenge faced in derivative transactions is the difficulty of operating sharia-compliant derivatives so that in the future it is hoped that there will be derivative innovations with sharia principles.
This study aims to analyze the effect of Total Assets, Non Performing Financing, Financing to Dep... more This study aims to analyze the effect of Total Assets, Non Performing Financing, Financing to Deposit Ratio and Profit Sharing Financing on Return on Assets of Sharia Business Unit of Bank Nagari as Regional Government Bank West Sumatra Province. This type of research is associative research with a quantitative approach. The data analysis technique used ordinal logistic regression model of proportional odds. The results show that partially Non Performing Financing has a negative and significant effect on Return on Assets, Financing to Deposit Ratio has a positive and significant effect on Return on Assets, Total Assets and Profit Sharing Financing has no effect on Return on Assets of Unit Usaha Syariah Bank Nagari. Meanwhile, simultaneously Total Assets, Non-Performing Financing, Financing to Deposit Ratio and Profit Sharing Financing are only able to affect Return on Assets of 41.4%, the rest is influenced by other variables. The research outcomes will be invaluable to Islamic Bank...
Tujuan penelitian ini adalah untuk menganalisis akad-akad yang dapat digunakan dalam produk syari... more Tujuan penelitian ini adalah untuk menganalisis akad-akad yang dapat digunakan dalam produk syariah card. Metode penelitian menggunakan kualitatif deskriptif dengan pendekatan Systematic Literature Review. Data dikumpulkan dari referensi literatur ilmiah, buku dan laporan dari lembaga resmi. Hasil penelitian menunjukan bahwa ada beberapa akad yang dapat dikombinasikan dalam produk syariah card. Bank Syariah Indonesia menerbitkan syariah card dengan menggunakan tiga akad yakni akad Kafalah, Qard dan Ijarah sesuai dengan aturan fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI). Sedangkan produk syariah card Bank Islam Malaysia menggunakan multiakad yang lebih dinamis yakni Bay' al-Inah, Wadiah dan Qard al Hasan. Inovasi penggunakan akad terus dilakukan dengan pengembangan ada konsep baru syariah card berbasis Musyarakah dan Murabahah.
This study aims to analyze the effect of risk profile on the performance of Islamic Rural Bank (B... more This study aims to analyze the effect of risk profile on the performance of Islamic Rural Bank (BPRS) in West Sumatra Province. This type of research is a field research with a quantitative approach. The samples in the study were seven BPRS in West Sumatra Province that have been operating sharia since 2019. Secondary data in the form of annual financial statements of each BPRS for the period 2019-2022. The analysis technique used panel data regression. The results showed that the credit risk profile using the Non Performing Financing ratio and liquidity risk using the Financing to Deposit Ratio partially had no significant effect on the performance of BPRS as measured using the Return on Asset ratio. However, both risk profiles simultaneously have a significant effect on the performance of BPRS with a coefficient of determination of 96%. The practical implication of this research is that credit risk and liquidity risk must be managed simultaneously, including other risks faced by b...
Tujuan penelitian adalah untuk membandingkan praktik kartu kredit syariah pada bank syariah yang ... more Tujuan penelitian adalah untuk membandingkan praktik kartu kredit syariah pada bank syariah yang ada di Indonesi dan Malaysia. Metode penelitian menggunakan metode kualitatif dengan pendekatan deskriptif komparatif. Data dikumpulkan dari referensi literatur ilmiah, buku dan laporan dari lembaga resmi melalui Systematic Literature Review. Hasil penenlitian menunjukan bahwa terdapat perbedaan produk syariah card pada bank syariah di Indonesia dan Malaysia ditinjau dari akad yang digunakan. Syariah card di Indonesia mengacu pada Fatwa DSN No.54 menggunakan akad kafalah, qard dan ijarah. Sedangkan syariah card di bank syariah Malaysia menggunakan akad Bay al inah, Wadiah, dan Qard al hasan. Masih ada perbedaan pandangan terhadap penggunaan akad pada syariah card baik di Indonesia maupun di Malaysia. Pengguna kartu kredit syariah saat ini masih sangat sedikit karena masih ada keraguan dalam penggunaan akad sehingga perlu alternatif lain dalam penggunaan akad pada kartu kredit syariah seperti akad musyarakah dan murabahah.
Digital banking transformation is an important issue in the banking industry today. Digital disru... more Digital banking transformation is an important issue in the banking industry today. Digital disruption has changed the way people do business and transact. However, there are still many problems faced in carrying out digital transformation. The purpose of this study is to analyze the digital transformation process in the Islamic banking industry in Indonesia and its impact on the development and growth of Islamic banks. The research method uses descriptive qualitative approach with Systematic Literature Review. Data were collected from scientific literature references, books and reports from official institutions. The results of the study indicate that the process of accelerating digital transformation in Islamic banking is accelerated by the COVID-19 pandemic. This condition requires Islamic banking to make digital transformation a priority and strategy in an effort to increase bank competitiveness. Digital transformation has an impact on the development of Islamic banks with the i...
Tujuan penelitian ini adalah untuk menganalisis akad-akad yang dapat digunakan dalam produk syari... more Tujuan penelitian ini adalah untuk menganalisis akad-akad yang dapat digunakan dalam produk syariah card. Metode penelitian menggunakan kualitatif deskriptif dengan pendekatan Systematic Literature Review. Data dikumpulkan dari referensi literatur ilmiah, buku dan laporan dari lembaga resmi. Hasil penelitian menunjukan bahwa ada beberapa akad yang dapat dikombinasikan dalam produk syariah card. Bank Syariah Indonesia menerbitkan syariah card dengan menggunakan tiga akad yakni akad Kafalah, Qard dan Ijarah sesuai dengan aturan fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI). Sedangkan produk syariah card Bank Islam Malaysia menggunakan multiakad yang lebih dinamis yakni Bay' al-Inah, Wadiah dan Qard al Hasan. Inovasi penggunakan akad terus dilakukan dengan pengembangan ada konsep baru syariah card berbasis Musyarakah dan Murabahah.
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam
This paper aims to analyze the performance of Islamic Rural Banks in West Sumatra Province. This ... more This paper aims to analyze the performance of Islamic Rural Banks in West Sumatra Province. This paper uses the quantitative method. The population of this research was all Islamic Rural Banks in West Sumatra Province of seven banks. The paper uses The seven Islamic Rural Banks annual reports within 2018-2020 from website Otoritas Jasa Keuangan (OJK). The analysis uses the Integrated Maqashid al-Shariah based Performance Measure (IMSPM). The results showed that the performance of the Islamic Rural Banks in the Maqashid Syariah Index with the highest achievement on the object of faith (din) for a period of three years. The study found that there were no activities for the Islamic Rural Banks on the object of intellect ('aql) and on the object of posterity (nasl).The results of performance measurement with the IMSPM model can be a notification for Islamic Rural Banks in West Sumatra regarding more efforts to realize maqashid shariah in the Islamic banking industry.
This study aims to explore the application of derivative transactions in Islamic financial instit... more This study aims to explore the application of derivative transactions in Islamic financial institutions in Indonesia, Malaysia and Pakistan. The research method uses descriptive qualitative approach with Systematic Literature Review. Data collection techniques using documentation. The results show that derivative transactions are permitted only for Future Trading on the Commodity Exchange at the Jakarta Futures Exchange which is regulated in fatwa DSN No. 82 of 2011. Derivative transactions are also allowed to hedging aims to mitigate risk in foreign exchange transactions, not for speculation. This view is also in line with the application in Malaysia and Pakistan that the practice of derivatives is only a hedging to minimize risk. The challenge faced in derivative transactions is the difficulty of operating sharia-compliant derivatives so that in the future it is hoped that there will be derivative innovations with sharia principles
Tujuan penelitian ini adalah untuk menganalisis aspek pembangunan ekonomi adil dan berkesinambung... more Tujuan penelitian ini adalah untuk menganalisis aspek pembangunan ekonomi adil dan berkesinambungan melalui system nilai-nilai dengan analisis aksiologi Islam. Metode penelitian menggunakan metode kualitatif dengan teknik pengumpulan data menggunakan studi literature dari berbagai sumber berupa buku, artikel jurnal dan dokumen lainnya. Hasil penelitian menunjukan bahwa pembangunan ekonomi adil, merata dan berkesinambungan belum mampu diwujudkan oleh pemerintah secara maksimal, pembangunan hanya terkonsentrasi pada pusat kota saja sehingga masih banyak daerah-daerah yang dikategorikan sebagai desa tertinggal, terbatasnya sarana dan prasarana dalam aktifitas perekonomian, lembaga pendidikan yang tidak memadai dan masih sulitnya jaringan komunikasi. Pembangunan ekonomi yang sudah dilakukan saat ini belum bisa dirasakan dan dinikmati manfaatnya oleh seluruh masyarakat Indonesia hanya sebagai kecil saja yang menikmatinya, sehingga kesejahteraan dan keadilan bagi seluruh rakyat Indonesia belum bisa terwujud. Zakat dan Wakaf adalah instrument keuangan merupakan social fund dalam sistem ekonomi Islam yang dapat digunakan dalam pengentasan kemiskinan dan distribusi kekayaan dalam mewujudkan pemerataan dan keadilan.
Knowledge of shariah compliance in the sharia banking industry is still low. Shariah compliance i... more Knowledge of shariah compliance in the sharia banking industry is still low. Shariah compliance is a special uniqueness that exists in sharia banking. The correct knowledge of shariah compliance has an important urgency in the operations of Islamic banks. The purpose of this study was to determine the level of sharia compliance of Islamic Rural Banks in Indonesia. The research method uses a quantitative descriptive approach. The data source of this research is secondary data. The data collection technique uses documentation in the form of annual reports of all Sharia Rural Banks (BPRS) which are the combined financial statements of BPRS in the Sharia Banking Statistics Report for September 2021 Otoritas Jasa Keuangan (OJK) with a total of 165 BPRS. The results show that the level of sharia compliance of Islamic Rural Banks (BPRS) as measured by the Maqashid Shariah Index (MSI) for a period of 10 years is still very low with an average index value of 0.32319 or 32.319%. Research fin...
Al-Mashrafiyah: Jurnal Ekonomi, Keuangan, dan Perbankan Syariah
Penelitian ini bertujuan untuk menganalisis pengaruh inflasi, BI rate, nilai tukar dan jumlah rek... more Penelitian ini bertujuan untuk menganalisis pengaruh inflasi, BI rate, nilai tukar dan jumlah reksadana terhadap nilai aktiva bersih (NAB) reksadana syariah dan konvensional di Indonesia. Penelitian ini merupakan penelitian lapangan dengan pendekatan kuantitatif. Data yang digunakan dalam penelitian ini adalah data sekunder berupa Laporan Keuangan tahun 2010 sampai April 2021 yang terdaftar di Otoritas Jasa Keuangan (OJK). Jenis datanya adalah data panel yang di analisis menggunakan regresi linear berganda. Hasil penelitian menunjukan bahwa tingkat inflasi, BI rate, nilai tukar dan jumlah reksadana secara simultas memiliki pengaruh terhadap NAB baik syariah maupun konvensional. Secara partial NAB Reksadana syariah tidak dapat dipengaruhi oleh BI rate sedangkan NAB reksadana konvensional dapat dipengaruhi oleh jumlah reksadana.
Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh kompensasi dan disiplin kerja... more Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh kompensasi dan disiplin kerja terhadap kinerja pegawai kantor wali nagari Baringin Lima Kaum. Jenis penelitin ini adalah penelitian lapangan dengan metode kuantitatif deskriptif. Hasil penelitian menunjukan bahwa kompensasi tidak berpengaruh terhadap kinerja pegawai secara parsial, namun disiplin kerja secara parsial berpengaruh positif dan signifikan terhadap kinerja pegawai kantor wali nagari Baringin. Sedangkan secara simultan kompensasi dan disiplin kerja berpengaruh positif terhadap kinerja pegawai kantor wali nagari Baringin Kecamatan Lima Kaum. Hasil peneilian ini memiliki kontribusi bagi manajemen kontor wali nagari dalam meningkat kinerja pegawai di masa yang akan datang.
Al-Mashrafiyah: Jurnal Ekonomi, Keuangan dan Perbankan Syariah, 2021
This study aims to analyze the effect of inflation, BI rate, exchange rate and the number of mutu... more This study aims to analyze the effect of inflation, BI rate, exchange rate and the number of mutual funds on the net asset value (NAV) of Islamic and conventional mutual funds in Indonesia. This research is a field research with a quantitative approach. The data used in this study is secondary data in the form of Financial Statements from 2010 to April 2021 which are registered with the Financial Services Authority (OJK). The type of data is panel data which is analyzed using multiple linear regression. The results of the study show that the inflation rate, BI rate, exchange rate and the number of mutual funds simultaneously have an effect on NAV both sharia and conventional. Partially, the NAV of Islamic mutual funds cannot be affected by the BI rate, while the NAV of conventional mutual funds can be affected by the number of mutual funds.
The purpose of this study is to determine whether the company's fundamental performance is in... more The purpose of this study is to determine whether the company's fundamental performance is in line with stock price movements in the Capital Market. The research was conducted using a qualitative descriptive method. The analysis technique is fundamental analysis and technical analysis of PT. Bank BTPN Syariah Tbk. The data used are financial reports and stock trading statistics obtained from the Indonesia Stock Exchange. The results showed that the fundamental performance since 2015-2019 as measured by EPS, ROE, ROE and PER showed very good growth. Meanwhile, along with the ongoing pandemic in 2020, there was a decline in fundamental performance with indicators of EPS, ROE, ROA dropping significantly. Meanwhile, in terms of technical analysis, it is in line with the company's performance. Where from 2018 to 2019 the stock price experienced an uptrend (increase) phase and PER was at 14-15x, which means the stock price was considered cheap (undervalued). Meanwhile in 2020, alo...
This study aims to determine and analyze the effect of compensation and work discipline on the pe... more This study aims to determine and analyze the effect of compensation and work discipline on the performance of the employees of the Baringin Lima Kaum office. This research type is field research with descriptive quantitative method. The results showed that compensation did not partially affect employee performance, but work discipline partially had a positive and significant effect on employee performance at the Baringin village office. While simultaneously compensation and work discipline have a positive effect on the performance of the employees of the Baringin village office, Lima Kaum District. The results of this assessment have a contribution to the management of the wali nagari contor in improving employee performance in the future.
Transformasi digital banking menjadi isu penting dalam industri perbankan saat ini. Disrupsi digi... more Transformasi digital banking menjadi isu penting dalam industri perbankan saat ini. Disrupsi digital telah mengubah cara orang melakukan bisnis dan bertransaksi. Namun demikian masih banyak persoalan yang dihadapi dalam melakukan transformasi digital. Tujuan penelitian ini adalah menganalisis proses transformasi digital ada industri Perbankan Syariah di Indonesia dan dampaknya terhadap perkembangan dan pertumbuhan bank syariah. Metode penelitian menggunakan kualitatif deskriptif dengan pendekatan Systematic Literature Review. Data dikumpulkan dari referensi literatur ilmiah, buku dan laporan dari lebaga resmi. Hasil penelitian menujukan bahwa proses akserelasi transformasi digital pada perbankan syariah dipercepat dengan adanya pandemic covid-19. Kondisi ini mengharuskan perbankan syariah menjadikan ransformasi digital sebagai prioritas dan trategi dalam upaya peningkatan daya saing bank. Transformasi digital berdampak terhadap perkembangan bank syariah dengan meningkatnya jumlah nasabah dan jumlah aset, banyak bank umum syariah yang menyediakan layanan digital dan adanya bank syariah yang murni beroperasi secara digital.
Human Falah: Jurnal Ekonomi dan Bisnis Islam, Jun 24, 2022
This paper aims to analyze the performance of Islamic Rural Banks in West Sumatra Province. This ... more This paper aims to analyze the performance of Islamic Rural Banks in West Sumatra Province. This paper uses the quantitative method. The population of this research was all Islamic Rural Banks in West Sumatra Province of seven banks. The paper uses The seven Islamic Rural Banks annual reports within 2018-2020 from website Otoritas Jasa Keuangan (OJK). The analysis uses the Integrated Maqashid al-Shariah based Performance Measure (IMSPM). The results showed that the performance of the Islamic Rural Banks in the Maqashid Syariah Index with the highest achievement on the object of faith (din) for a period of three years. The study found that there were no activities for the Islamic Rural Banks on the object of intellect ('aql) and on the object of posterity (nasl).The results of performance measurement with the IMSPM model can be a notification for Islamic Rural Banks in West Sumatra regarding more efforts to realize maqashid shariah in the Islamic banking industry.
Education management is carried out in order to facilitate the achievement of school goals that h... more Education management is carried out in order to facilitate the achievement of school goals that have been set and increase school competitiveness in the global world. In integrated Islamic schools, especially Bukittinggi Excellent Islamic Elementary School (SD Islam Excellent Bukittinggi), the management of religious fields is developed and balanced with general fields so as to form intelligent learners and moral values who implement values based on the Quran and the Sunnah. The management of education at the SD Islam Excellent Bukittinggi also meets eight national standard of education in the context of achieving good quality. The implementation of integrated school management here can be seen in the management of the curriculum, organizational structure, school fees, development of facilities and infrastructure. In addition, the school also manages the development of strategies to improve the quality of graduates through improving the competence of teaching staff, optimizing student activities, increasing cooperation with parents for the progress of the school.
Al-bank Journal of Islamic Banking and Finance, Jan 31, 2022
This study aims to analyze the effect of Third Party Funds and Capital on the Net Profit of PT BC... more This study aims to analyze the effect of Third Party Funds and Capital on the Net Profit of PT BCA Syariah for the period 2011-2020 with the Financing to Deposit Ratio as the Intervening variable. This type of research is quantitative research with quantitative descriptive methods. Data collection techniques using documentation with secondary data sources in the form of quarterly financial statements of PT BCA Syariah. The data analysis technique used path analysis which was processed with SPSS 26 software. The results showed that Third Party Funds directly had a significant influence on the Net Profit of PT BCA Syariah. Likewise, capital directly has a significant effect on Net Profit. Third Party Funds and Capital indirectly through the Financing to Deposit Ratio have no effect on the Net Profit of PT BCA Syariah for the 2011-2020 period. This research can be an input for PT BCA Syariah in making policies related to increasing company profitability
Al-bank Journal of Islamic Banking and Finance, Jul 30, 2022
This study aims to explore the application of derivative transactions in Islamic financial instit... more This study aims to explore the application of derivative transactions in Islamic financial institutions in Indonesia, Malaysia and Pakistan. The research method uses descriptive qualitative approach with Systematic Literature Review. Data collection techniques using documentation. The results show that derivative transactions are permitted only for Future Trading on the Commodity Exchange at the Jakarta Futures Exchange which is regulated in fatwa DSN No. 82 of 2011. Derivative transactions are also allowed to hedging aims to mitigate risk in foreign exchange transactions, not for speculation. This view is also in line with the application in Malaysia and Pakistan that the practice of derivatives is only a hedging to minimize risk. The challenge faced in derivative transactions is the difficulty of operating sharia-compliant derivatives so that in the future it is hoped that there will be derivative innovations with sharia principles.
This study aims to analyze the effect of Total Assets, Non Performing Financing, Financing to Dep... more This study aims to analyze the effect of Total Assets, Non Performing Financing, Financing to Deposit Ratio and Profit Sharing Financing on Return on Assets of Sharia Business Unit of Bank Nagari as Regional Government Bank West Sumatra Province. This type of research is associative research with a quantitative approach. The data analysis technique used ordinal logistic regression model of proportional odds. The results show that partially Non Performing Financing has a negative and significant effect on Return on Assets, Financing to Deposit Ratio has a positive and significant effect on Return on Assets, Total Assets and Profit Sharing Financing has no effect on Return on Assets of Unit Usaha Syariah Bank Nagari. Meanwhile, simultaneously Total Assets, Non-Performing Financing, Financing to Deposit Ratio and Profit Sharing Financing are only able to affect Return on Assets of 41.4%, the rest is influenced by other variables. The research outcomes will be invaluable to Islamic Bank...
Tujuan penelitian ini adalah untuk menganalisis akad-akad yang dapat digunakan dalam produk syari... more Tujuan penelitian ini adalah untuk menganalisis akad-akad yang dapat digunakan dalam produk syariah card. Metode penelitian menggunakan kualitatif deskriptif dengan pendekatan Systematic Literature Review. Data dikumpulkan dari referensi literatur ilmiah, buku dan laporan dari lembaga resmi. Hasil penelitian menunjukan bahwa ada beberapa akad yang dapat dikombinasikan dalam produk syariah card. Bank Syariah Indonesia menerbitkan syariah card dengan menggunakan tiga akad yakni akad Kafalah, Qard dan Ijarah sesuai dengan aturan fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI). Sedangkan produk syariah card Bank Islam Malaysia menggunakan multiakad yang lebih dinamis yakni Bay' al-Inah, Wadiah dan Qard al Hasan. Inovasi penggunakan akad terus dilakukan dengan pengembangan ada konsep baru syariah card berbasis Musyarakah dan Murabahah.
This study aims to analyze the effect of risk profile on the performance of Islamic Rural Bank (B... more This study aims to analyze the effect of risk profile on the performance of Islamic Rural Bank (BPRS) in West Sumatra Province. This type of research is a field research with a quantitative approach. The samples in the study were seven BPRS in West Sumatra Province that have been operating sharia since 2019. Secondary data in the form of annual financial statements of each BPRS for the period 2019-2022. The analysis technique used panel data regression. The results showed that the credit risk profile using the Non Performing Financing ratio and liquidity risk using the Financing to Deposit Ratio partially had no significant effect on the performance of BPRS as measured using the Return on Asset ratio. However, both risk profiles simultaneously have a significant effect on the performance of BPRS with a coefficient of determination of 96%. The practical implication of this research is that credit risk and liquidity risk must be managed simultaneously, including other risks faced by b...
Tujuan penelitian adalah untuk membandingkan praktik kartu kredit syariah pada bank syariah yang ... more Tujuan penelitian adalah untuk membandingkan praktik kartu kredit syariah pada bank syariah yang ada di Indonesi dan Malaysia. Metode penelitian menggunakan metode kualitatif dengan pendekatan deskriptif komparatif. Data dikumpulkan dari referensi literatur ilmiah, buku dan laporan dari lembaga resmi melalui Systematic Literature Review. Hasil penenlitian menunjukan bahwa terdapat perbedaan produk syariah card pada bank syariah di Indonesia dan Malaysia ditinjau dari akad yang digunakan. Syariah card di Indonesia mengacu pada Fatwa DSN No.54 menggunakan akad kafalah, qard dan ijarah. Sedangkan syariah card di bank syariah Malaysia menggunakan akad Bay al inah, Wadiah, dan Qard al hasan. Masih ada perbedaan pandangan terhadap penggunaan akad pada syariah card baik di Indonesia maupun di Malaysia. Pengguna kartu kredit syariah saat ini masih sangat sedikit karena masih ada keraguan dalam penggunaan akad sehingga perlu alternatif lain dalam penggunaan akad pada kartu kredit syariah seperti akad musyarakah dan murabahah.
Digital banking transformation is an important issue in the banking industry today. Digital disru... more Digital banking transformation is an important issue in the banking industry today. Digital disruption has changed the way people do business and transact. However, there are still many problems faced in carrying out digital transformation. The purpose of this study is to analyze the digital transformation process in the Islamic banking industry in Indonesia and its impact on the development and growth of Islamic banks. The research method uses descriptive qualitative approach with Systematic Literature Review. Data were collected from scientific literature references, books and reports from official institutions. The results of the study indicate that the process of accelerating digital transformation in Islamic banking is accelerated by the COVID-19 pandemic. This condition requires Islamic banking to make digital transformation a priority and strategy in an effort to increase bank competitiveness. Digital transformation has an impact on the development of Islamic banks with the i...
Tujuan penelitian ini adalah untuk menganalisis akad-akad yang dapat digunakan dalam produk syari... more Tujuan penelitian ini adalah untuk menganalisis akad-akad yang dapat digunakan dalam produk syariah card. Metode penelitian menggunakan kualitatif deskriptif dengan pendekatan Systematic Literature Review. Data dikumpulkan dari referensi literatur ilmiah, buku dan laporan dari lembaga resmi. Hasil penelitian menunjukan bahwa ada beberapa akad yang dapat dikombinasikan dalam produk syariah card. Bank Syariah Indonesia menerbitkan syariah card dengan menggunakan tiga akad yakni akad Kafalah, Qard dan Ijarah sesuai dengan aturan fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI). Sedangkan produk syariah card Bank Islam Malaysia menggunakan multiakad yang lebih dinamis yakni Bay' al-Inah, Wadiah dan Qard al Hasan. Inovasi penggunakan akad terus dilakukan dengan pengembangan ada konsep baru syariah card berbasis Musyarakah dan Murabahah.
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam
This paper aims to analyze the performance of Islamic Rural Banks in West Sumatra Province. This ... more This paper aims to analyze the performance of Islamic Rural Banks in West Sumatra Province. This paper uses the quantitative method. The population of this research was all Islamic Rural Banks in West Sumatra Province of seven banks. The paper uses The seven Islamic Rural Banks annual reports within 2018-2020 from website Otoritas Jasa Keuangan (OJK). The analysis uses the Integrated Maqashid al-Shariah based Performance Measure (IMSPM). The results showed that the performance of the Islamic Rural Banks in the Maqashid Syariah Index with the highest achievement on the object of faith (din) for a period of three years. The study found that there were no activities for the Islamic Rural Banks on the object of intellect ('aql) and on the object of posterity (nasl).The results of performance measurement with the IMSPM model can be a notification for Islamic Rural Banks in West Sumatra regarding more efforts to realize maqashid shariah in the Islamic banking industry.
This study aims to explore the application of derivative transactions in Islamic financial instit... more This study aims to explore the application of derivative transactions in Islamic financial institutions in Indonesia, Malaysia and Pakistan. The research method uses descriptive qualitative approach with Systematic Literature Review. Data collection techniques using documentation. The results show that derivative transactions are permitted only for Future Trading on the Commodity Exchange at the Jakarta Futures Exchange which is regulated in fatwa DSN No. 82 of 2011. Derivative transactions are also allowed to hedging aims to mitigate risk in foreign exchange transactions, not for speculation. This view is also in line with the application in Malaysia and Pakistan that the practice of derivatives is only a hedging to minimize risk. The challenge faced in derivative transactions is the difficulty of operating sharia-compliant derivatives so that in the future it is hoped that there will be derivative innovations with sharia principles
Tujuan penelitian ini adalah untuk menganalisis aspek pembangunan ekonomi adil dan berkesinambung... more Tujuan penelitian ini adalah untuk menganalisis aspek pembangunan ekonomi adil dan berkesinambungan melalui system nilai-nilai dengan analisis aksiologi Islam. Metode penelitian menggunakan metode kualitatif dengan teknik pengumpulan data menggunakan studi literature dari berbagai sumber berupa buku, artikel jurnal dan dokumen lainnya. Hasil penelitian menunjukan bahwa pembangunan ekonomi adil, merata dan berkesinambungan belum mampu diwujudkan oleh pemerintah secara maksimal, pembangunan hanya terkonsentrasi pada pusat kota saja sehingga masih banyak daerah-daerah yang dikategorikan sebagai desa tertinggal, terbatasnya sarana dan prasarana dalam aktifitas perekonomian, lembaga pendidikan yang tidak memadai dan masih sulitnya jaringan komunikasi. Pembangunan ekonomi yang sudah dilakukan saat ini belum bisa dirasakan dan dinikmati manfaatnya oleh seluruh masyarakat Indonesia hanya sebagai kecil saja yang menikmatinya, sehingga kesejahteraan dan keadilan bagi seluruh rakyat Indonesia belum bisa terwujud. Zakat dan Wakaf adalah instrument keuangan merupakan social fund dalam sistem ekonomi Islam yang dapat digunakan dalam pengentasan kemiskinan dan distribusi kekayaan dalam mewujudkan pemerataan dan keadilan.
Knowledge of shariah compliance in the sharia banking industry is still low. Shariah compliance i... more Knowledge of shariah compliance in the sharia banking industry is still low. Shariah compliance is a special uniqueness that exists in sharia banking. The correct knowledge of shariah compliance has an important urgency in the operations of Islamic banks. The purpose of this study was to determine the level of sharia compliance of Islamic Rural Banks in Indonesia. The research method uses a quantitative descriptive approach. The data source of this research is secondary data. The data collection technique uses documentation in the form of annual reports of all Sharia Rural Banks (BPRS) which are the combined financial statements of BPRS in the Sharia Banking Statistics Report for September 2021 Otoritas Jasa Keuangan (OJK) with a total of 165 BPRS. The results show that the level of sharia compliance of Islamic Rural Banks (BPRS) as measured by the Maqashid Shariah Index (MSI) for a period of 10 years is still very low with an average index value of 0.32319 or 32.319%. Research fin...
Al-Mashrafiyah: Jurnal Ekonomi, Keuangan, dan Perbankan Syariah
Penelitian ini bertujuan untuk menganalisis pengaruh inflasi, BI rate, nilai tukar dan jumlah rek... more Penelitian ini bertujuan untuk menganalisis pengaruh inflasi, BI rate, nilai tukar dan jumlah reksadana terhadap nilai aktiva bersih (NAB) reksadana syariah dan konvensional di Indonesia. Penelitian ini merupakan penelitian lapangan dengan pendekatan kuantitatif. Data yang digunakan dalam penelitian ini adalah data sekunder berupa Laporan Keuangan tahun 2010 sampai April 2021 yang terdaftar di Otoritas Jasa Keuangan (OJK). Jenis datanya adalah data panel yang di analisis menggunakan regresi linear berganda. Hasil penelitian menunjukan bahwa tingkat inflasi, BI rate, nilai tukar dan jumlah reksadana secara simultas memiliki pengaruh terhadap NAB baik syariah maupun konvensional. Secara partial NAB Reksadana syariah tidak dapat dipengaruhi oleh BI rate sedangkan NAB reksadana konvensional dapat dipengaruhi oleh jumlah reksadana.
Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh kompensasi dan disiplin kerja... more Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh kompensasi dan disiplin kerja terhadap kinerja pegawai kantor wali nagari Baringin Lima Kaum. Jenis penelitin ini adalah penelitian lapangan dengan metode kuantitatif deskriptif. Hasil penelitian menunjukan bahwa kompensasi tidak berpengaruh terhadap kinerja pegawai secara parsial, namun disiplin kerja secara parsial berpengaruh positif dan signifikan terhadap kinerja pegawai kantor wali nagari Baringin. Sedangkan secara simultan kompensasi dan disiplin kerja berpengaruh positif terhadap kinerja pegawai kantor wali nagari Baringin Kecamatan Lima Kaum. Hasil peneilian ini memiliki kontribusi bagi manajemen kontor wali nagari dalam meningkat kinerja pegawai di masa yang akan datang.
Al-Mashrafiyah: Jurnal Ekonomi, Keuangan dan Perbankan Syariah, 2021
This study aims to analyze the effect of inflation, BI rate, exchange rate and the number of mutu... more This study aims to analyze the effect of inflation, BI rate, exchange rate and the number of mutual funds on the net asset value (NAV) of Islamic and conventional mutual funds in Indonesia. This research is a field research with a quantitative approach. The data used in this study is secondary data in the form of Financial Statements from 2010 to April 2021 which are registered with the Financial Services Authority (OJK). The type of data is panel data which is analyzed using multiple linear regression. The results of the study show that the inflation rate, BI rate, exchange rate and the number of mutual funds simultaneously have an effect on NAV both sharia and conventional. Partially, the NAV of Islamic mutual funds cannot be affected by the BI rate, while the NAV of conventional mutual funds can be affected by the number of mutual funds.
The purpose of this study is to determine whether the company's fundamental performance is in... more The purpose of this study is to determine whether the company's fundamental performance is in line with stock price movements in the Capital Market. The research was conducted using a qualitative descriptive method. The analysis technique is fundamental analysis and technical analysis of PT. Bank BTPN Syariah Tbk. The data used are financial reports and stock trading statistics obtained from the Indonesia Stock Exchange. The results showed that the fundamental performance since 2015-2019 as measured by EPS, ROE, ROE and PER showed very good growth. Meanwhile, along with the ongoing pandemic in 2020, there was a decline in fundamental performance with indicators of EPS, ROE, ROA dropping significantly. Meanwhile, in terms of technical analysis, it is in line with the company's performance. Where from 2018 to 2019 the stock price experienced an uptrend (increase) phase and PER was at 14-15x, which means the stock price was considered cheap (undervalued). Meanwhile in 2020, alo...
Uploads
Papers by Husni Shabri