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All Journal Journal of Finance and Islamic Banking Wahana Islamika: Jurnal Studi Keislaman Ihtifaz: Journal of Islamic Economics, Finance, and Banking Journal of Islamic Monetary Economics and Finance ECOPLAN : JOURNAL OF ECONOMICS AND DEVELOPMENT STUDIES ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) Khidmatan Etihad: Journal of Islamic Banking and Finance Cakrawala: Jurnal Studi Islam Balanca : Jurnal Ekonomi dan Bisnis Islam Abdimas Indonesian Journal Journal of Islamic Economics Lariba DIKTUM: JURNAL SYARIAH DAN HUKUM Moneta: Jurnal Manajemen & Keuangan Syariah Al Rikaz : Jurnal Ekonomi Syariah Indonesia Journal Of Zakat and Waqf Wahana Islamika: Jurnal Studi Keislaman IEFBR: Islamic Economics, Finance, and Banking Review Journal of Finance and Islamic Banking
Multazam Mansyur Addury
Institut Agama Islam Negeri Parepare
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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PENGARUH HARGA MINYAK DUNIA DAN NILAI TUKAR TERHADAP RESIKO PERBANKAN SYARIAH DI INDONESIA PERIODE 2007-2018 Multazam Mansyur Addury
Wahana Islamika: Jurnal Studi Keislaman Vol. 5 No. 1 (2019): Wahana Islamika: Jurnal Studi Keislaman
Publisher : STAI Syubbanul Wathon Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61136/42868d97

Abstract

Many factors can influence the risk of Islamic banking, including internal banking and external banking (macroeconomic) factors. To minimize risk, Islamic banking needs to pay attention to fluctuating macroeconomic conditions. The independent variables used in this study are world oil prices and the rupiah exchange rate. The dependent variable used in this study is credit risk as measured by NPF and liquidity risk as measured by FDR in Islamic banking. The data used in this study are secondary data which as a whole are taken from official sources in monthly form starting from January 2007 to December 2018. Data on world oil prices are obtained from OPEC Basket Price, exchange rate data obtained from Pacific Exchange Rate Service, data from NPF and FDR obtained from BI Sharia Banking Statistics (SPS-BI). The results of the study found that world oil prices had a significant effect on credit risk and liquidity risk in Islamic banking, while the exchange rate only had a significant effect on credit risk in Islamic banking.
BANK SYARIAH DALAM PERSPEKTIF NASABAH MUSLIM Mansyur Addury, Multazam
Wahana Islamika: Jurnal Studi Keislaman Vol. 3 No. 1 (2017): Wahana Islamika: Jurnal Studi Keislaman
Publisher : STAI Syubbanul Wathon Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61136/apvrmb35

Abstract

Islamic banks that emerge with the concept of interest-free banking is less well-received by the public. The development of Islamic banking in Indonesia is accompanied by the emergence of groups who lack confidence in the ability and credibility of Islamic banking. Negative views on Islamic banks can lead to the emergence of social prejudice against Islamic banks. This study uses the post-positivist paradigm with exploratory research design. The sample to be used in this study amounted to 10 of the Muslim customers of conventional banks in the city of Yogyakarta. The data collection techniques used are interviews. The analysis technique uses qualitative descriptive analysis. The results of the study concluded that in terms of stereotypes the respondents did not know clearly related to Islamic banking, respondents considered Islamic banks currently running not in accordance with the existing concepts; some even argued that the application of Islamic banks was the same as conventional banks. Based on the aspects of beliefs and judgments, respondents were only able to mention the impact of the existence of Islamic banks in terms of religiosity. Still, they could not mention real impacts on the community. Based on emotional aspects, respondents felt positive emotions related to Islamic banks. They considered Islamic banks to be better than conventional banks, but respondents tended to prefer to use conventional banking services. Based on the favorability and liking aspects, respondents considered Islamic banks to be better than conventional banks, and respondents felt interested in knowing.More about Islamic banks and joined as Sharia bank customers
Jaminan Konsumsi Halal pada Jual Beli Ayam Potong di Pasar Lakessi Kota Parepare Pangestu, Dian Resky; Addury, Multazam Mansyur; GH, Nur Hishaly
DIKTUM: Jurnal Syariah dan Hukum Vol 20 No 2 (2022): DIKTUM: Jurnal Syariah dan Hukum
Publisher : Fakultas Syariah dan Hukum Islam Institut Agama Islam Negeri (IAIN) Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (445.509 KB) | DOI: 10.35905/diktum.v20i2.3634

Abstract

The purpose of this study was to examine the relationships between Slaughter Understanding (halal consumption guarantee) and Purchase Interest (buying and selling) of chicken pieces at Lakessi Market, Parepare City. The research method used in this research is mixed methods, namely by combining two form sofresearch, namely quantitative and qualitative research. The number of samples that will be used as part of this research is 100 people. The result of there search is that there is no significant influence on the level of understanding of slaughtering on the interest in buying chicken pieces at Lakessi Market, Parepare City. There were 12 respondents who questioned the process of slaughtering animals at Lakessi Market, Parepare City, but not in detail. This is because consumers fully entrust the slaughtering process to chicken traders.
Performance Analysis of Islamic Banks Using Error Correction Model Addury, Multazam Mansyur; GH, Nur Hishaly; Izzaturrahman, Muh. Dzulfikar; Pangestu, Dian Resky
Etihad: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2024)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v4i1.9336

Abstract

Introduction: The analysis of Islamic banking performance is a frequent subject of discussion in various literature. One factor that makes Islamic banks an exciting object of research is their role as Sharia-based intermediary institutions and their contribution to the effectiveness of monetary policy. This study aims to analyze the impact of CAR, NPF, FDR, and BOPO on the performance of Islamic banks measured by ROA and NOM. Research Methods: This quantitative research uses secondary data from Islamic Banking Statistics covering the period from January 2015 to December 2023. The data analysis technique employed is the Error Correction Model (ECM). Results: The results indicate that out of the four variables examined, only BOPO has a significant impact on the performance of Islamic banks. Conclusion: This finding suggests that efficiency in managing operational costs is a crucial factor in enhancing the financial performance of Islamic banks. The lower the BOPO, indicating higher cost efficiency, the better the performance of Islamic banks in terms of profitability as measured by ROA and NOM.
Pemaknaan Laba Usaha di Kalangan Pebisnis Keuangan Syariah Addury, Multazam Mansyur
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 5 No 2 (2023): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v5i2.7944

Abstract

The business world cannot be separated from the amount of profit earned. Profit is used as an important reference in assessing a company, predicting business bankruptcy, and overcoming financial difficulties. Furthermore, profit is often used as the main indicator in assessing the success of a business entity. Based on this, the purpose of this research is to find out the orientation that Sharia financial practitioners want to look for and the meaning of profit among Sharia financial practitioners. The research design used in this study is a qualitative research design with an exploratory approach. The sample to be used in this study amounted to 3 respondents from Sharia financial practitioners in Yogyakarta. The data collection technique used is interview. The data analysis technique used is an interactive analysis model that refers to three stages: data reduction, data presentation, and conclusion drawing and verification. Based on the results of research and discussion, it can be concluded that the orientation that Sharia financial practitioners want to seek is da'wah to introduce to the public financial transactions without usury, to obtain profits, to benefit the people and to prosper members and the community. Sharia financial practitioners understand profit as a result obtained from business activities that are not contrary to Islamic law and mutually beneficial between one party and another and no one is harmed.
THE INFLUENCE OF FINANCING MODEL AND CREDIT RISK ON FINANCIAL STABILITY (STUDY OF ISLAMIC RURAL BANKS IN JAVA ISLAND) Addury, Multazam Mansyur; Ramadhani, Aprilia Kinasih Putri
Journal of Islamic Monetary Economics and Finance Vol 10 No 3 (2024)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v10i3.1788

Abstract

This study examines the impact of profit-sharing financing and profit-margin financing on financial stability of Islamic Rural Banks (IRBs) in Java Island and incorporates credit risk as an intervening variable. Utilizing a panel dataset of 90 registered IRBs operating in Java Island from 2011 to 2021 and applying path analysis, we find that profit margin financing has a significant negative impact on the financial stability of IRBs, both directly and indirectly through its association with credit risk. In contrast, profit sharing financing shows a positive and significant direct effect on financial stability. This result implies that profit margin financing may pose a greater risk to the financial stability of IRBs than profit-sharing financing. The study highlights the need for IRBs to carefully manage their financing strategies, taking into consideration the potential risks associated with profit margin financing. Effective risk management practices are crucial for mitigating credit risk and ensuring the overall stability of IRBs. The research emphasizes the importance of a selective approach in providing profit-sharing financing to mitigate potential risks. It also underscores the significance of striking a balance between profitability and credit risk management to ensure the long-term stability of IRBs.
Impact Of Earnings And Debt Information On Investor Behavior Adi, Sunu Prasetya; Addury, Multazam Mansyur
Islamic Economics, Finance, and Banking Review Vol. 1 No. 1 (2021): June
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/iefbr.v1i1.4741

Abstract

Information from company publications can be an initial signal for investors to buy shares in the company. The earnings information can be an indicator for investors to assess and predict profits for companies and investors in the future. This study aims to analyze the impact of earnings and debt information on investor behavior in buying shares. This study uses the LQ45 company object on the Indonesia Stock Exchange. The data used in the form of annual from 2014 to 2018. Research data analysis techniques used are descriptive analysis and panel data regression. The results found that the earnings information variable measured by net profit has a positive and significant effect on investor behavior as measured by the company's sales volume at a significance level of 5%. The debt information variable measured by DER has no significant effect on investor behavior as measured by the company's sales volume.
Penyuluhan dan Pendampingan Produk Halal pada Kelompok Usaha Makanan Gogos Addury, Multazam Mansyur; GH, Nur Hishaly; Herawati, Hasmiah; Hidayat, Ardi; Ridwan, Muhammad
Abdimas Indonesian Journal Vol. 4 No. 2 (2024)
Publisher : Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/aij.v4i2.475

Abstract

This research aims to help Gogos food businesses in the process of obtaining halal certification through Community Service activities. The Community Service was conducted with a participatory approach, involving the food businesses as active partners throughout the process. The first step was to coordinate and discuss the issues and the urgency of halal certification. Then, a problem-solving discussion was conducted to find joint solutions to overcome the obstacles faced by the food businesses. During the education sessions, the food businesses were provided with information about the importance of halal certification, the steps for obtaining it, and the requirements to be fulfilled. The Community Service team also assisted the businesses in the registration process and the implementation of the Halal Product Process (PPH) by the Halal Product Assurance Agency (BPJPH). The evaluation results showed an increase in awareness and knowledge among the food business owners regarding the urgency of halal certification.
Pengelolaan Usaha Tiram Dalam Meningkatkan Ekonomi Keluarga Di Lajari Kabupaten Barru (Analisis Ekonomi Islam) Nugroho, Muhammad Dandi; Muhammadun, Muzdalifah; Hamang, M. Nasri; Addury, Multazam Mansyur
Al Rikaz: Jurnal Ekonomi Syariah Vol 1 No 1 (2022): Al Rikaz: Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/rikaz.v1i2.6398

Abstract

This research investigates the impact of oyster business management on improving the economic conditions of families in Lajari, Barru district, through the lens of Islamic economics. The study has three primary objectives: firstly, to assess the economic status of families in Lajari, Barru district; secondly, to analyze the contributing factors to the success of oyster business management in enhancing the family economy in the area; and thirdly, to explore the implementation of oyster business management in light of Islamic economic principles. Employing a qualitative research approach with a descriptive method, the study utilizes observation, interviews, and documentation as data collection techniques, drawing information from interviews with oyster business practitioners. The findings reveal several noteworthy aspects. First, the establishment of grilled oyster enterprises has positively impacted the economic conditions of families in the locality, leading to an indirect increase in their income. Second, the success of the grilled oyster business can be attributed to effective sales promotion, marketing strategies, and responsiveness to consumer demands, allowing the business to sustain and thrive over time. Third, oyster entrepreneurs exhibit appropriate business practices, prioritizing the common interests of the family without causing harm to others, and aligning their actions with Islamic principles in both income generation and management.
Analisis Manajemen Pengelolaan Zakat Fauziah, Niila Luthfatul; Ahmad Muhibin; M. Pudail; Yeni Fitriyani; Addury, Multazam Mansyur
Indonesia Journal of Zakat and Waqf Vol 3 No 1 (2024): Indonesia Journal Of Zakat And Waqf
Publisher : Department of Management Zakat and Waqf

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/ijaza.v3i1.7850

Abstract

This research aims to analyze the management of zakat (Islamic almsgiving) at BAZNAS (National Amil Zakat Agency) in Magelang District, focusing on the processes of zakat collection and distribution from muzakki (zakat payer) to mustaḥik (zakat recipient). Employing a qualitative method, this study utilizes both primary and secondary data. The findings reveal adherence to prevailing legal regulations in zakat management at BAZNAS in Magelang District. Planning involves budgeting in the Annual Zakat Collection and Distribution Plan (RKAT) and conducting awareness campaigns to enhance zakat payment consciousness. Organizational structure aligns with the Magelang District Chief's decree, while implementation comprises zakat collection and distribution phases. The majority of zakat funds are sourced from civil servants (ASN) in Magelang District and distributed among 8 beneficiary groups. Supporting factors in zakat management include official directives from the Magelang District Chief, contributions from village officials, and the success of developmental initiatives in zakat collection. However, there are inhibiting factors such as the rise in retired civil servants (ASN) and the transfer of supervision of state high schools from the district government to the provincial government.
Co-Authors A. Rio Makkulau Wahyu Abdul Halim Rofi’i Adi, Sunu Prasetya Ahmad Muhibin Aldy Baharuddin Asia Anton Priyo Nugroho Aprilia Kinasih Putri Ramadhani, Aprilia Kinasih Putri Ardi Hidayat Dian Resky Pangestu Fauziah, Niila Luthfatul GH, Nur Hishaly Herawati, Hasmiah Izzaturrahman, Muh. Dzulfikar Khalid, Salehuddin M. NASRI HAMANG, M. NASRI M. Pudail Muh. Dzulfikar Izzaturrahman Muhammad Ridwan Muzdalifah Muhammadun, Muzdalifah Nugroho, Anton Priyo Nugroho, Muhammad Dandi Nur Hishaly GH Pangestu, Dian Resky RAMADHANI, AMALIYAH Salehuddin Khalid Sunu Prasetya Adi Yeni Fitriyani