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ANALISIS PENGARUH DANA PIHAK KETIGA (DPK), CAPITAL ADEQUACY RATIO (CAR), DAN NON PERFOMING FINANCING (NPF) TERHADAP PEMBIAYAAN (STUDI PADA BUS DAN UUS DI INDONESIA PERIODE 2014-2018) Zuwardi, Zuwardi; Padli, Hardiansyah; Shahmi, Mohammad Aliman
Imara: JURNAL RISET EKONOMI ISLAM Vol 3, No 2 (2019): IMARA: JURNAL RISET EKONOMI ISLAM
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v3i2.1658

Abstract

This study aims to analyze the factors influencing financing on BUS and UUS in Indonesia. Exogenousvariables in this study are Third Party Funds (DPK), Capital Adequacy Ratio (CAR), and Non-PerformingFinancing (NPF), while endogenous variables are financing. This study used secondary data consisted monthlydata of BUS and UUS in 2014-2018. This data is taken from SHARIA banking statistics released by the OJK. Theresearch results obtained that DPK and CAR significantly and positively affect long term financing. While NPFhas no significant effect on long term financing. DPK and NPF also have a positive and significant impact onshirt term financing. Another result was CAR has no significant effect on short term financing.
DETERMINAN PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA Zuwardi MA; Hardiansyah Padli
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 5, No 2 (2019): DESEMBER 2019
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v5i2.1896

Abstract

AbstrakProfitabilitas adalah kemampuan bank untuk menghasilkan laba secara efektif dan efisien. Jadi, penelitian ini bertujuan untuk menganalisis pengaruh efisiensi modal kerja (BOPO), rasio kecukupan modal (CAR), likuiditas (FDR) dan Inflasi terhadap profitabiltas yang tercermin dari Return On Asset (ROA) pada Bank Umum Syariah di Indonesia. Penelitian ini menggunakan data sekunder yang terdiri dari data bulanan dari tahun 2016-2018. Adapun metode analisis yang digunakan dalam penelitian ini metode Error Correction Model (ECM). Berdasarkan penelitian diperoleh hasil bahwa dalam jangka pendek BOPO berpengaruh secara signifikan dan negatif terhadap ROA. Sedangkan inflasi berpengaruh secara signifikan dan positif terhadap ROA. Sementara CAR dan FDR tidak berpengaruh secara signifikan terhadap ROA. Dalam jangka panjang BOPO berpengaruh negatif dan signifikan terhadap ROA. Sedangkan FDR dan inflasi berpengaruh signifikan dan positif terhadap ROA. dalam jangka panjang. CAR tidak berpengaruh signifikan terhadap ROA.Kata Kunci: BOPO, Inflasi, Profitabilitas AbstractProfitability is the ability of banks to generate profits effectively and efficiently. This study aims to analyze the effect of BOPO, Capital Adequacy Ratio (CAR), liquidity (FDR) and inflation on profitability reflected in Return on Assets (ROA) at Islamic Banks in Indonesia. This study used secondary data consisting of monthly data from 2016-2018. Data analysis used the Error Correction Model (ECM).  Based on the research results obtained that BOPO has a significant and negative influence on ROA in the short term. While inflation has a significant and positive influence on ROA. In other hand, CAR and FDR do not significantly influence on ROA. In the long run, BOPO has a negative and significant effect on ROA. While FDR and inflation have a significant and positive effect on ROA. CAR has no significant influence on ROA.
Sejarah Perkembangan Akuntansi Syariah; Tinjauan Literatur Islam Zuwardi MA; Hardiansyah Padli
ILTIZAM Journal of Shariah Economics Research Vol. 4 No. 2 (2020): Iltizam Journal of Shariah Economic Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/iltizam.v4i2.507

Abstract

This study aims to examine the development of Islamic accounting since the issuance of the letter al baqoroh 282 to the present practice of Islamic financial institutions. A qualitative approach with content analysis in Islamic literature is carried out to describe the historical portrait of Islamic accounting. the result is the development of accounting in the Islamic era along with the trade culture of the Arab nation, which is increasingly developing with the concept of accountability in Islam and increasingly has many variants according to the times. This research also proves that the current sharia accounting practices do not copy western accounting but have a scientific historical basis in practice in the golden age of Islam.
Peluang dan Tantangan Bank Syariah di Masa Pandemi Covid 19 Hardiansyah Padli; Kumaidi ,
ILTIZAM Journal of Shariah Economics Research Vol. 5 No. 2 (2021): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/iltizam.v5i2.810

Abstract

ABSTRACT The COVID-19 pandemic has had a major impact on the economy, and the banking sector is no exception. What is quite different can be seen that the growth of Islamic banks shows a positive trend. This article was compiled to analyze the opportunities and challenges faced by Islamic banks during the Covid 19 pandemic. This article uses qualitative data analysis with descriptive-critical methods and through a literature study approach. The data analysis focuses on the opportunities and challenges of Islamic banks during the Covid 19 pandemic. Researchers used secondary data as a source of article creation. Based on the results of the study, it was revealed that Islamic banks have opportunities in the form of: historically and the application of profit-sharing contracts makes Islamic banks more crisis-resistant, Indonesia is the country with the largest Muslim population, the pandemic has made businesses digitize this as a market share for Islamic banks. Meanwhile, the challenges faced by Islamic banks are financing risks due to unstable market conditions, the imposition of restrictions on human mobility and limited capital investment for technology improvement.
ANALISIS PENGARUH DANA PIHAK KETIGA (DPK), CAPITAL ADEQUACY RATIO (CAR), DAN NON PERFOMING FINANCING (NPF) TERHADAP PEMBIAYAAN (STUDI PADA BUS DAN UUS DI INDONESIA PERIODE 2014-2018) Zuwardi Zuwardi; Hardiansyah Padli; Mohammad Aliman Shahmi
Imara: JURNAL RISET EKONOMI ISLAM Vol 3, No 2 (2019): IMARA: JURNAL RISET EKONOMI ISLAM
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v3i2.1658

Abstract

This study aims to analyze the factors influencing financing on BUS and UUS in Indonesia. Exogenousvariables in this study are Third Party Funds (DPK), Capital Adequacy Ratio (CAR), and Non-PerformingFinancing (NPF), while endogenous variables are financing. This study used secondary data consisted monthlydata of BUS and UUS in 2014-2018. This data is taken from SHARIA banking statistics released by the OJK. Theresearch results obtained that DPK and CAR significantly and positively affect long term financing. While NPFhas no significant effect on long term financing. DPK and NPF also have a positive and significant impact onshirt term financing. Another result was CAR has no significant effect on short term financing.
Konsep Produksi Menurut Tan Malaka Ditinjau dari Perspektif Ekonomi Islam MA, Zuwardi; Padli, Hardiansyah
JUSIE (Jurnal Sosial dan Ilmu Ekonomi) Vol. 4 No. 02 (2019): JUSIE (Jurnal Sosial dan Ilmu Ekonomi)
Publisher : Jurusan PIPS FKIP UMMY Solok

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36665/jusie.v4i02.212

Abstract

This research aims to depict Tan Malaka’s socialist economic thought related to the issues on the production of concept. This is qualitative research using library research method to gather the data on Tan Malaka’s thought on the concept of production. This study shows that the concept of the balance of production and consumption, the country's economic independence and the concept of labor costs in line with the concept of Islamic economics. While from the arrangement of land as a factor of production, Tan Malaka gradually wants to eliminate individual ownership of the means of production. This is not in line with Islamic economic concept where individual ownership of the means of production and production factors permitted as long as not contrary to Islamic law.
Peluang dan Tantangan Bank Syariah di Masa Pandemi Covid 19 Padli, Hardiansyah; -, Kumaidi
ILTIZAM Journal of Shariah Economics Research Vol. 5 No. 2 (2021): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/iltizam.v5i2.810

Abstract

ABSTRACT The COVID-19 pandemic has had a major impact on the economy, and the banking sector is no exception. What is quite different can be seen that the growth of Islamic banks shows a positive trend. This article was compiled to analyze the opportunities and challenges faced by Islamic banks during the Covid 19 pandemic. This article uses qualitative data analysis with descriptive-critical methods and through a literature study approach. The data analysis focuses on the opportunities and challenges of Islamic banks during the Covid 19 pandemic. Researchers used secondary data as a source of article creation. Based on the results of the study, it was revealed that Islamic banks have opportunities in the form of: historically and the application of profit-sharing contracts makes Islamic banks more crisis-resistant, Indonesia is the country with the largest Muslim population, the pandemic has made businesses digitize this as a market share for Islamic banks. Meanwhile, the challenges faced by Islamic banks are financing risks due to unstable market conditions, the imposition of restrictions on human mobility and limited capital investment for technology improvement.  
Strategi Pengendalian Inflasi dalam Perspektif Ekonomi Islam Rahma Detik Kuriningsih; Iiz Izmuddin; Hardiansyah Padli
Risalah Iqtishadiyah Vol 2 No 2 (2023): July - December 2023
Publisher : Risalah Iqtisadiyah: Journal of Sharia Economics, Sharia Economics Study Program, STEI Ar Risalah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59107/ri.v2i2.50

Abstract

Inflation is a problem that is always faced in the economy, and inflation is also the main agenda of politicians and government policy makers. This research aims to find out how to control inflation from an Islamic Economics perspective. This research is a literature study. Sources of information and data used in articles come from scientific journals and books that are appropriate to the topic being studied. The research results reveal that inflation can be controlled through the implementation of a Sharia-based monetary system, currency management from an Islamic perspective, fair distribution of income and investment in the productive sector as well as supervision and regulation through economic regulations. This research provides a new contribution by combining conventional economic analysis with the principles of Islamic Economics in understanding and overcoming inflation. The results of this research show that the inflation control strategy from an Islamic Economics perspective offers a comprehensive and sustainable solution, taking into account moral, social and economic dimensions. Implementing these strategies requires strong commitment from all parties. This research paves the way for further, more in-depth research on the implementation of inflation control strategies from an Islamic Economics perspective in various contexts and scales.
Transformational Philanthropy Model: A Strategy for Sustainable Community Development in Indonesia Padli, Hardiansyah; Sahroni, Abdullah
Asian Journal of Muslim Philanthropy and Citizen Engagement Vol. 2 No. 1 (2026): Asian Journal of Muslim Philanthropy and Citizen Engagement
Publisher : MD Research Center Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63919/ajmpce.v2i1.60

Abstract

This study identifies three core pillars for advancing sustainable community development in Indonesia: reinforcing local socio-institutional foundations, critically understanding patterns of socio-economic inequality, and systematically integrating collective cultural values such as gotong royong (mutual cooperation). The research is motivated by the recognized limitations of traditional, charity-based philanthropy, which often perpetuates dependency and fails to address the structural roots of poverty. Through a systematic qualitative review and thematic analysis of scholarly literature, the study aims to develop a contextualized transformational philanthropy model. This model is designed to shift the paradigm from passive aid distribution to active community empowerment, positioning local actors as central agents in their own development trajectory. The concluding argument emphasizes that the success of this transformational approach depends on a synergistic balance, merging modern managerial efficiency with deep-rooted local wisdom, aligning religious ethical principles with professional institutional governance, and leveraging digital innovation to foster broad, inclusive participation. Ultimately, the model presents a strategic pathway for philanthropy to contribute meaningfully to long-term, equitable, and resilient community development in the Indonesian context.
Digital Marketing Ethics 5.0: An Analysis of Islamic Economics Hardiansyah Padli
BALQIS : Journal of Business Innovation and Digital Marketing Vol. 1 No. 2 (2025): December 2025
Publisher : Program Studi Bisnis Digital - Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/balqis.v1i2.10025

Abstract

The development of the marketing landscape in the era of Marketing 5.0 is marked by the integration of advanced technologies such as artificial intelligence (AI), big data, and machine learning, which enable greater personalization and more intensive interaction with consumers. However, these advances present significant ethical challenges, including data privacy violations, greenwashing practices in sustainability claims, and potentially discriminatory algorithmic bias. These problems erode consumer trust, which is the main foundation of the digital marketing ecosystem. This study aims to analyze these issues from an Islamic economic perspective, emphasizing normative values as the basis for ethics. The method used is a conceptual analysis based on a literature review, examining literature on digital ethics in Marketing 5.0 and the basic principles of Islamic economics, such as tauhid, al-'adl, an-nubuwah, al-khilafah, and al-ma'ad. The results of the analysis show that privacy can be understood within the framework of tauhid as respect for human dignity, greenwashing can be criticized through the principles of honesty and prophetic trust, while algorithmic bias can be addressed with the principles of justice ('adl) and khailifah responsibility. Thus, the normative framework of Islamic economics is not only capable of providing ethical solutions to digital marketing issues, but also presents an alternative paradigm that emphasizes a balance between profitability, social justice, and sustainability. This study concludes that the integration of Islamic values in Marketing 5.0 is a new conceptual contribution that strengthens the literature on sustainable marketing while paving the way for the development of a theory of marketing based on transcendental ethics.