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ANALISIS PENGARUH BI RATE, DANA PIHAK KETIGA (DPK) DAN RASIO NON PERFORMING FINANCING (NPF) TERHADAP PRODUK PEMBIAYAAN DENGAN AKAD MURABAHAH PADA BANK SYARIAH DI INDONESIA Fahlevi, Rizal
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 7 No 1 (2016): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (156.006 KB) | DOI: 10.33558/maslahah.v7i1.1184

Abstract

This study aims to examine and analyze financing product with murabahah contract of sharia bank in Indonesia. This research is important to do because murabahah is the most popular contract and dominate financing component of sharia bank in Indonesia. As for some of the factors analyzed in the influenced of murabahah are: BI Rate, third party funds and Non Performing Financing ratio (NPF). Data analysis methods used in this study is an analysis of Multiple Linier Regression. These result indicated that BI rate had a negative impact to murabahah and significant; third party funds had had a positive impact to murabahah and significant; Non Performing Financing ratio (NPF) had a negative impact to murabahah and significant. These three variables hese three variables jointly affect murabahah growth of 99.4%, while the remaining 0.6% is explained by other variables not included in the model.
PERAN PERBANKAN SYARIAH BAGI MASYARAKAT KECIL SEBAGAI UPAYA DALAM MENGATASI KEMISKINAN DI INDONESIA Fahlevi, Rizal
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 9 No 1 (2018): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (72.669 KB) | DOI: 10.33558/maslahah.v9i1.1477

Abstract

The role of sharia banking in overcoming poverty in Indonesia has started toincrease but not yet optimal. This is due to the fact that the contracts are stillcommercial-oriented, short-term and sensitive to interest movements and dominatethe non-profit sharing (murabaha) contracts on the practice of sharia banking whichcan only be enjoyed by a handful of middle and upper class people with income ratioin Above average, not yet optimal innovative products sharia banking that can touchthe majority of the poor where in the aggregate most of t he Muslims. The purpose ofthis study is to analyze the not optimal role of sharia banking in overcoming povertyby exploring what should be done to improve the role of Islamic banking for thesmall community. The analytical method used is qualitative. While the analyticaltool used is descriptive and literature study is a very important source. Therecommendation of research result indicates that the need to optimize bankingproducts in small and medium enterprises, the need to optimize the role of shariabanking as a model of social intermediation, it is necessary to establish an effectiveselling price murabaha. The need for (benchmark) Islamic finance, the need tooptimize the real role of sharia economy.
SOSIALISASI TEKNIK BAURAN PEMASARAN PADA PRODUK USAHA MIKRO KECIL DAN MENENGAH (UMKM) DI KECAMATAN RAWAMERTA, KARAWANG Asih, Anisa Mukti; Fahlevi, Rizal; Rahmawati, Rafika; -, Isfandayani; Widyananto, Arief
DEVOSI Vol 2 No 1 (2021): Devosi Jurnal Pengabdian Masyarakat
Publisher : LPPM Universitas Islam 45 Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/devosi.v2i1.2849

Abstract

The role of Micro, Small and Medium Enterprises in increasing income and employment can certainly be considered large for Indonesia. MSME actors need to be given training related to delivering or disseminating knowledge information about the marketing mix for their products. The method used in this community service is in the form of socialization to the government of the Rawamerta sub-district and the surrounding community. The result was that 15 participants took part in the socialization activity to increase knowledge and information about the marketing mix for Micro, Small and Medium Enterprises products.
Implementasi Fatwa DSN MUI Terhadap Pembiayaan Sindikasi Melalui Akad Musyarakah Pada BPRS HIK Cibitung Santiya, Ayu; Fahlevi, Rizal
At-Tamwil: Journal of Islamic Economics and Finance Vol 2 No 2 (2023): At-Tamwil: Journal of Islamic Economics and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v2i2.8018

Abstract

The Syndicated financing is one of the strategies that can be carried out by Islamic banking, especially Islamic people's financing banks to get a relatively safe boost of Islamic banking industry assets. With the implementation of syndication, Islamic banking can enter the corporate sector and government infrastructure projects. BPRS has the potential to earn large profits, but can also mitigate relatively large risks.This study aims to find out how the implementation of syndicated musharaka financing at BPRS HIK Cibitung and analysis of syndication financing conformity with the DSN fatwa Number 91/DSN-MUI/IV/2014.This research is a qualitative research. Sources of data in the form of primary data, and secondary data. Primary data was obtained by conducting interviews with the BPRS HIK Cibitung. Literature studies were obtained from books, journals, official websites and documents related to syndicated financing. The data analysis technique was carried out in three steps, namely data reduction, data presentation, and drawing conclusion. The results of this study indicate that the syndicated financing at BPRS HIK Cibitung is in accordance with the fatwa dsn-mui number 91 of 2014. However, there are several points in the fatwa dsn-mui that have never been used by BPRS HIK Cibitung.
Faktor-Faktor Yang Mempengaruhi Pedagang Pasar Dalam Menggunakan Pembiayaan Mikro iB Pada Bank Syariah Indonesia Kantor Cabang Bekasi Adinda, Sri; Fahlevi, Rizal
At-Tamwil: Journal of Islamic Economics and Finance Vol 3 No 1 (2024): At-Tamwil: Journal of Islamic Economics and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v3i1.9602

Abstract

This research aimed to find out how the influence of product knowledge, consumer behaviour and service of BRI Syariah Bank employees on the interest of Bekasi traditional market traders in using Mikro iB financing. Respondents in this research were 60 market traders located in the Bekasi City area in the period January - February 2020. Method this research is quantitative research to examine the effect of independent variable on the dependent variable. The analysis technique used is multiple linear regression. The results of this study found that product knowledge, consumer behaviour and bank services have a positive and significant on the interest of Bekasi market traders in using Sharia Micro IB financing. simultaneously product knowledge, consumer behaviour and bank services affect the interest of bekasi market traders in using Sharia Mikro iB financing market in using Sharia Mikro iB financing.
Pengaruh Profitabilitas dan Likuiditas Terhadap Zakat Perusahaan Pada Bank Umum Syariah di Indonesia Bela, Nur Evita; Fahlevi, Rizal; Putra, Purnama; Khoiriyah, Ummi
Jurnal Keuangan dan Perbankan Vol. 20 No. 2 (2024): Jurnal Keuangan Dan Perbankan, Volume 20 No. 2, Juni 2024
Publisher : STIE Indonesia Banking School

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35384/jkp.v20i2.566

Abstract

This research aims to determine the influence of profitability and liquidity on corporate zakat (Islamic almsgiving) for Islamic Commercial Banks in the period of 2021-2023 in Indonesia. The population of this study consists of Islamic Commercial Banks operating in Indonesia. The research employs purposive sampling as the sampling method. After selection, the sample includes four Islamic Commercial Banks: Bank Muamalat Indonesia, Bank Syariah Indonesia, Bank Mega Syariah, and Bank Panin Dubai Syariah. This research follows a quantitative approach using multiple regression analysis, and the analysis is conducted using SPSS. The research results indicate that the profitability variables, proxied by Return On Equity (ROE) and the Operating Expenses to Operating Income Ratio (BOPO), and the liquidity variable, proxied by Financing to Deposit Ratio (FDR), collectively have a positive and significant impact on corporate zakat. In partial testing, the Profitability variable, which is proxied by Return On Equity (ROE), has a significant positive influence on the company's zakat expenditure, while the Operating Costs, Operating Income (BOPO) has no effect on the company's zakat expenditure, and the Liquidity variable, which is proxied by the Financing to Deposit Ratio. (FDR) has a significant negative effect on company zakat expenditure. This explains how the profitability and liquidity of Islamic banks can affect their social obligations in paying corporate zakat, which is an important aspect of the Islamic economy in Indonesia.
GERAKAN INVESTASI SYARIAH DALAM PERENCANAAN KEUANGAN BAGI MASYARAKAT DESA KARANG INDAH Rizqiyah, Talida Silmi; Isfandayani, Isfandayani; Fahlevi, Rizal; Widyananto, Arief; Isnandar, Fajri Ryan
Al-Ihsan: Journal of Community Development in Islamic Studies Vol 3 No 1 (2024): Al-ihsan : Journal of Community Development in Islamic Studies
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/alihsan.v3i1.9545

Abstract

This community service aims to increase the understanding and participation of the people of Karang Indah Village, Bojongmangu District, Bekasi Regency in making sharia investments to improve the economic welfare of the village community. The problem encountered is that there are still many people in Karang Indah Village who do not understand how to manage finances properly, this causes many people to be trapped in a circle of poverty and difficulties in achieving economic welfare. To overcome this, the service team carried out a community service movement by holding a sharia investment socialization program to increase financial literacy in the community and provide education on how to manage finances effectively and efficiently. The service method uses socialization and assistance to the community in using the Bibit application to make it easier for people to invest. The results of the community service activities showed that this program was successful as seen from the enthusiasm of the community service participants who managed to understand and increase literacy on how to manage finances in investing through the Bibit application
PENGEMBANGAN EKONOMI LOKAL MELALUI KEWIRAUSAHAAN KREATIF Sakinah, Fistiawirzani; Fahlevi, Rizal; Rahmawati, Rafika
An-Nizam Vol 3 No 1 (2024): An Nizam : Jurnal Bakti Bagi Bangsa
Publisher : Universitas Islam 45 Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/an-nizam.v3i1.9678

Abstract

Local economic development through creative entrepreneurship is the main focus of various efforts to improve community welfare at the local level. The aim of this service is to encourage local economic growth by utilising the potential of creativity and innovation owned by local communities. Through a participatory approach, the goal is realised by involving various stakeholders, ranging from local businesses to local government, in the process of strategy development and programme implementation. The service method used involves community education and training to understand the characteristics of the local economy and evaluate the potential and obstacles in the development of creative entrepreneurship. In addition, training and mentoring to prospective entrepreneurs as well as networking and promotion of local products to improve market access were also conducted. The results of the service showed that creative entrepreneurship is able to make a significant contribution in increasing the income and welfare of local communities. With the support of various parties, an environment conducive to the growth of creative businesses at the local level was created. In addition, there is also an increased awareness of the importance of preserving local culture and the environment through sustainable business practices. However, achieving sustainable success requires strong commitment and co-operation between various stakeholders, as well as policies and regulations that support the development of creative entrepreneurship at the local level.
Penerapan New Public Management di Pendidikan Tinggi Studi Kasus di STIA & P Annisa Dwi Salfaritzi Palembang Fahlevi, Rizal; Satispi, Evi
Jurnal Pemerintahan dan Politik Vol. 9 No. 3 (2024)
Publisher : Universitas Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36982/jpg.v9i3.3641

Abstract

New Public Management offers a different perspective to improve public sector performance by adopting the work spirit of the private sector which prioritizes the values of efficiency and effectiveness. This problem gave rise to the idea of how to implement new public management in higher education by taking a case study at the Annisa Dwi Salfarizi College of Administration and Government in Palembang. This research aims to determine the application of new public management in higher education, especially at the Annisa Dwi Salfarizi College of Administration and Government, Palembang. The method used in this research is research with a qualitative approach, namely building arguments to obtain and sort data as well as interpret and conclude data findings. The data in this research was collected through observation and interviews. The results of the research were that the Annisa Dwi Salfarizi Palembang College of Administration and Government carried out face-to-face lectures using power points, tuition payments were still made manually, and KRS was filled out in writing rather than using an integrated system. system. Academic activity information services are announced through information posted on the notice board, so students must always check the notice board regularly and must come to campus if they want to find out information about lectures. Conclusion: The implementation of New Public Management in Higher Education using case studies at the Annisa Dwi Salfarizi College of Administration and Government in Palembang does not appear to have been implemented optimally.
PELATIHAN MOBILE BANKING KEPADA MASYARAKAT DESA BOJONGMANGU UNTUK MENGHADAPI ERA SOCIETY 5.0 Apriliani, Niken Cahya; Putra, Purnama; Fahlevi, Rizal; Khoiriyah, Ummi
Al-Ihsan: Journal of Community Development in Islamic Studies Vol 3 No 2 (2024): Al-Ihsan : Journal of Community Development in Islamic Studies
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/alihsan.v3i2.10214

Abstract

Mobile banking training for the Bojongmangu Village community aims to prepare them for the era of society 5.0. The training focused on strengthening the understanding of digital financial technology, efficient financial management, and utilization of digital banking services to expand access to Islamic finance. The service method applies training and education in understanding material related to Islamic banking with a series of practical and interactive sessions. Participants will be equipped with the skills and knowledge needed to optimize the benefits of digital financial technology in their daily lives and also an introduction to Islamic bank products. The results of community service activities in mobole banking training are to increase financial inclusion at the village level and help the Bojongmangu community to become more financially independent in the rapidly growing digital era and attract public interest in opening accounts at Islamic banks.