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Analisa Pembiayaan Dari Sisi Karakter, Kemampuan Usaha dan Permodalan Debitur Terhadap NPF
nasfi, nasfi;
Asnah, Asnah
El-kahfi | Jurnal Ekonomi Islam Vol 3 No 01 (2022): Journal of Islamics Economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa
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DOI: 10.58958/elkahfi.v3i01.80
The purpose of the study was to determine the effect of the debtor's character (mudharib), the debtor's business ability and debtor's capital on the NPF (Non-Performing Financing) of the Sharia People's Financing Bank (BPRS) headquartered in Agam Regency. This research is a quantitative research with the number of respondents 66 debtors in the city of Bukittinggi and Agam Regency who were randomly selected with data collection techniques using questionnaires. For the analysis tool using Structural Equation Modeling Software based on Partial Least Squere (SEM-PLS). The results showed that the character of the debtor had a significant positive effect on the NPF of Islamic people's financing banks, the business ability of the debtor had a significant positive effect on the NPF of Islamic people's financing banks and the debtor's capital had a significant effect on the NPF of Islamic people's financing banks, where the proposed hypothesis was accepted. Debtor's character, debtor's business ability and debtor's capital affect Non-Performing Financing in BPRS.
Maqashid Syariah Sebagai Basis Pengembangan Ekonomi Islam
nasfi, nasfi;
sabri, Sabri
El-kahfi | Jurnal Ekonomi Islam Vol 3 No 01 (2022): Journal of Islamics Economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa
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DOI: 10.58958/elkahfi.v3i01.81
This study aims to look at the problems of the application of Islamic economics in economic activities with the Maqashid Syariah approach. The research method in this research is field research by means of library research. The research findings from the views of scholars about Maqasid Al-Shari'ah are Maslahat, because the determination of law in Islam must lead to Maslahat as well as in carrying out economic activities carried out by humans, must be oriented to Maslahat. Meanwhile, the research findings from the view of Maqashid Syari'ah in economic development, occupy a very important position in formulating sharia economics, both broadly economic activities and financial activities including Islamic banking, which is the main requirement in ijtihad to answer various problems of economic and finance. Where is the ultimate goal of Islamic economics according to Islamic law itself (Maqashid Asy Syari'ah) to achieve happiness in this world and in the hereafter.
Pengaruh Disiplin dan Motivasi Terhadap Kinerja Guru dan Pegawai (Studi Kasus MAN 3 Kota Padang Panjang)
Febrianti, Eka;
Asnah;
Nasfi
El-kahfi | Jurnal Ekonomi Islam Vol 3 No 02 (2022): Journal of Islamic Economic
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa
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DOI: 10.58958/elkahfi.v3i02.89
The purpose of the study was to determine the effect of discipline on the performance of teachers and employees, to determine the effect of motivation on the performance of teachers and employees and to determine the effect of discipline and motivation on the performance of teachers and employees at MAN 3 Padang Panjang City. The type of research is descriptive research, using multiple regression test and using statistical tools Pragram For Social Scence (SPSS). The data used are secondary data and primary data taken at MAN 3 Padang Panjang at the end of 2021. The population is all 41 teachers and employees of MAN 3 Padang Panjang, as well as as many as samples. The variables in this study are; first, the independent variable (X) which includes Discipline (X1) and Motivation (X2), second, the dependent variable (Y) Performance at MAN 3 Padang Panjang. And measuring the variables used Sklala Linkert, as well as the results analysis method with Instrumental test, descriptive analysis of variables and classical assumption test and hypothesis testing. The results of multiple regression analysis with the results of Y=29.356+0.389X1+0.372 X2, where it was found that discipline had a significant effect on teacher and employee performance, motivation had a significant effect on teacher and employee performance and discipline and motivation together had a significant effect on performance of teachers and employees at MAN 3 Padang Panjang.
Pengaruh GCG Terhadap Profitabilitas dari Aspek EPS Pada Perusahaan Basic Industry dan Chemical
Y, Amril;
Nasfi
El-kahfi | Jurnal Ekonomi Islam Vol 3 No 02 (2022): Journal of Islamic Economic
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa
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DOI: 10.58958/elkahfi.v3i02.90
This study aims to analyze the effect of Institutional Ownership (INST), Number of Directors (DIR), Independent Commissioners (INDEP) and Audit Committee (AUD) as a structural part of Good Corporate Governance (GCG) on company profitability as a proxy for Earnings Per Share (EPS). in Basic and Chemical Industry companies listed on the Indonesia Stock Exchange (IDX). This type of research is descriptive, a population of 64 companies, a sample of 25 companies in 2014-2017 listed on the IDX, with multiple linear regression analysis testing using Eviews in processing the data. The results of the analysis of each independent variable with the dependent variable show that: (1) Institutional Ownership (INST) has a coefficient value of -0.471696 and a p-value of t-stat 0.2990 which means negative and not significant, (2) the coefficient of Directors (DIR) value -0.043827 and p-value t-stat 0.9044 which means negative and insignificant effect, (3) Independent Commissioner (INDEP) has a coefficient of 0.654381 and p-value t-stat 0.0000 means positive and significant effect, (4) Audit Committee (AUD) has a coefficient value of -1.038939 and a p-value of t-stat 0.0000 which means a negative but significant effect. Meanwhile, simultaneously obtained the R2 value of 0.025736, which means that the independent variable cannot explain the Earning Per Share (EPS) variable as the dependent variable with an effect of only 2.57%. So that as much as 97.43% is influenced by other variables that are not discussed in this study. Finally, the researcher concludes that Institutional Ownership, Number of Directors, Independent Commissioners and Number of Audit Committees cannot affect the company's profitability in absolute terms from the aspect of Earning Per Share (EPS). The magnitude of the influence on the profitability of a company can come from the system and process of implementing GCG or from other factors that require further research.
Pengaruh Ketimpangan Pendapatan dalam Islam Dan Tingkat Partisipasi Angkatan Kerja Terhadap Kemiskinan
Nasfi, Nasfi
El-kahfi | Jurnal Ekonomi Islam Vol 4 No 02 (2023): Journal of Islamics Economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa
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DOI: 10.58958/elkahfi.v4i02.185
Kemiskinan dari sisi ekonomi ketidakmampuan untuk memenuhi kebutuhan dasar dengan pendekatan pengeluaran. Ketimpangan pendapatan adalah suatu kondisi tidak meratanya distribusi pendapatan antar golongan masyarakat disuatu wilayah. Tingkat partisipasi angkatan kerja (TPAK) adalah salah satu ukuran yang sering dipakai untuk melihat fluktuasi dari partisipasi penduduk usia kerja dalam kegiatan ekonomi. Penelitian ini bertujuan untuk mengetahui pengaruh ketimpangan pendapatan dan tingkat partisipasi angkatan kerja terhadap kemiskinan di Provinsi Sumatera Barat secara parsial dan simultan. Data yang digunakan adalah data sekunder tahun 2008-2022 atau 15 tahun yang diperoleh dari Badan Pusat Statistik Sumatera Barat. Teknik analisis data yang digunakan yaitu analisis regresi linear berganda yang diolah menggunakan program IBM SPSS 22. Perumusan dari analisis tersebut yaitu Y=64,633-46,853X1-0,633X2. Hasil penelitian ini menunjukkan bahwa secara parsial ketimpangan pendapatan berpengaruh negatif dan signifikan terhadap kemiskinan, Tingkat partisipasi angkatan kerja berpengaruh negatif dan signifikan terhadap kemiskinan. Dan secara simultan ketimpangan pendapatan dan tingkat partisipasi angkatan kerja berpengaruh signifikan terhadap kemiskinan di Provinsi sumatera Barat, dengan kontribusi variabel bebas sebesar 39,7%.
Pengaruh DPS, Kepemilikan Manajemen dan Kebijakan Hutang Terhadap Agresivitas Pajak BPR Syariah
Nasfi, Nasfi;
Aziz, Zakaria
El-kahfi | Jurnal Ekonomi Islam Vol 5 No 01 (2024): economics and islamics economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa
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DOI: 10.58958/elkahfi.v5i01.224
Penelitian bertujuan menganalisis Pengaruh DPS (Dewan Pengawas Syariah), Kepemilikan Manejerial dan Kebijakan Hutang terhadap Agresivitas Pajak BPR Syariah. Penelitian ini berdasarkan kepada Teori keagenan dalam memahami hubungan antar variabel. Metode Penelitian Kuantitatif, objek penelitian Bank Perekonomian Rakyat Syariah (BPR Syariah) di Sumatera Barat. Sampel 13 BPR Syariah periode 2020-2023, sampel diambil dengan metode purposive sampling. Data dianalisis menggunakan uji asumsi klasik serta pengujian hipotesis pada metode regresi linear berganda. Hasil penelitian menunjukkan Dewan Pengawas Syariah, Kepemilikan Manajerial serta Kebijakan Hutang tidak memiliki pengaruh pada Agresivitas Pajak BPR Syariah. Pengukuran variabel kontrol leverage memiliki hubungan signifikan kepada agresivitas pajak BPR Syariah dan pengukuran umur perusahaan, ukuran BPR Syariah dan Probabilitas tidak mempunyai hubungan signifikan kepada Agresivitas Pajak BPR Syariah.
Kiat Dalam Pengelolaan Tingkat Kesehatan Bank Syariah (Studi Kasus Bank Perekonomian Rakyat Syariah Al Makmur)
Aziz, Zakaria;
Prawira, Adi;
Yunimar, Yunimar;
Nasfi, Nasfi
El-kahfi | Jurnal Ekonomi Islam Vol 4 No 02 (2023): Journal of Islamics Economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa
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DOI: 10.58958/elkahfi.v4i02.225
The discussion in this research is Tips for Managing the Health Level of Sharia Banks, the research object of PT. Al Makmur Sharia People's Economic Bank in West Sumatra financial reporting period end of December 2021-2023. The problem is that the Bank's Soundness Level is decreasing, especially the CAR, NPF and BOPO ratios. Descriptive quantitative research type and descriptive analysis method research technique. Secondary data source from the Financial Services Authority website. From financial data, it was found that the CAR position would decrease by 3.13% in 2023, as well as an increase in NPF to 1.32% and an increase in BOPO to 77.08%. Research results: Tips taken by Management to improve the bank's health level in the future, (1) increase the capital CAR ratio through additional capital from last year's profits, (2) overcome problematic financing or reduce the NPF ratio, (3) increase efficiency and reduce costs and (4) improving the internal management monitoring function.
Audit Opinion And Sharia Compliance In Increasing Trust In Zakat Baznas Padang Panjang
Nasfi, Nasfi;
Aziz, Zakaria;
Yunimar, Yunimar;
Perwira, Adi
Al-Hijrah: Journal of Islamic Economics And Banking Vol. 2 No. 1 (2024): Al-Hijrah: Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam Sumatera Barat
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DOI: 10.55062/al-hijrah.v2i1.452
The purpose of this research is to determine audit opinion and sharia compliance in increasing trust in zakat in Baznas Padang Panjang City. Type of qualitative research, phenomenological approach method. Baznas Research Location Padang Panjang City. The results of research on audit opinion and sharia compliance are complementary audit instruments. Sharia compliance audits complement conventional financial audits, so that the picture of Baznas' financial performance reports is more comprehensive. So that Baznas is worthy of being an authority institution in carrying out zakat management professionally and with integrity in zakat management, realizing a commitment to transparency, increasing the value of accountability as a manager of zakat funds and finally building a positive reputation and image in society. Public trust is the main factor in increasing zakat receipts at Baznas. A positive audit opinion and sharia compliance predicate is a combination of instruments that contribute to increasing Baznas zakat receipts. The research is implemented in providing recommendations to zakat management institutions that have not carried out audit activities to start implementing them. Audits help zakat institutions in building public recognition and trust.
Management Strategy Finance: Analysis Comprehensive Investment Decision Making In Indonesia's Emerging Markets
Abdul Rosid;
Agung Budilaksono;
Rano Karno;
Hartoto, Hartoto;
Nasfi, Nasfi;
Meity. L. H. Lado
Jurnal Ekonomi Vol. 13 No. 02 (2024): Jurnal Ekonomi, Edition April - June 2024
Publisher : SEAN Institute
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The Indonesian financial market has attracted the attention of both local and international investors in the last few decades. With steady economic growth and a variety of investment opportunities available, investment decision making has become critical to achieving long-term financial goals. In this context, comprehensive financial management strategies play a major role in guiding investors through dynamic and complex emerging markets. This article aims to provide a comprehensive analysis of investment decision making in Indonesia's emerging markets, by highlighting several key factors that need to be considered in making effective investment decisions. A qualitative approach was used in this research to gain an in-depth understanding of effective financial management strategies in the context of the developing Indonesian market. Primary data was collected through interviews with financial experts and experienced investors, while secondary data was obtained from related literature, market reports and financial data. The research results show that a comprehensive analysis of investment decision making involves an in-depth evaluation of various factors that influence investment. This includes fundamental and technical analysis, effective risk management, as well as understanding local markets. By applying a comprehensive and detailed approach, investors can reduce risks and increase their chances of achieving profitable returns in Indonesia's emerging markets. In conclusion, a comprehensive financial management strategy is very important in facing the growing dynamics of the investment market in Indonesia. Through a combination of in-depth analysis and effective risk management, investors can maximize the potential returns on their investments and achieve long-term financial goals.
Sharia Bank Health Management Strategy (Study On PT. BPRS Carana Kiat Andalas)
Mariko, Suhatri;
Prawira, Adi;
nasfi, nasfi
International Journal of Indonesian Business Review Vol. 1 No. 1 (2022)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia
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DOI: 10.54099/ijibr.v1i1.260
This study discusses the Sharia Bank Soundness Management Strategy, the research site of PT. BPRS Carana Kiat Andalas in West Sumatra from March 2021-June 2021. The problem is that the Bank's Health Level is decreasing, especially the ratio of CAR, NPF, BOPO and ROA. This type of quantitative descriptive research with research techniques with descriptive analysis method, data collection techniques with interviews and the website of the Financial Services Authority. From the 2014 financial data, it was found that the CAR position was 3.13% and far below the regulatory requirements, the NPF position was 45.38%, the BOPO position was 110.56% and ROA minus 6.45%. The results of the strategic research conducted by Management in improving the soundness of banks within a period of 5 (five) years from 2014 to 2019 include increasing cash capital with new investors, increasing the settlement of non-performing financing and increasing the role of the internal management function. Based on the strategy carried out, it resulted in the position of the bank's soundness level at the end of 2019 with a CAR position of 20.66%, NPF of 10.34%, BOPO of 86.18% and ROA of 1.95%.