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All Journal NISBAH: JURNAL PERBANKAN SYARIAH Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Investasi EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Al-Mashrof: Islamic Banking and Finance Jurnal Ilmiah Raflesia Akuntansi Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Al-Mu'awanah Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) KENDALI: Economics and Social Humanities PERMANA : Jurnal Perpajakan, Manajemen, dan Akuntansi Indo-Fintech Intellectuals: Journal of Economics and Business JCAIP: Journal of Contemporary Applied Islamic Philanthropy
Syarif, Hazas
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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Analysis Of the Implementation of The Hybrid Contract Murabahah Bil Wakalah Agreement System in Griya Madani Financing Reviewed from Fatwa DSN No.04/DSN-MUI/IV/2000: Study at PT BPRS Metro Madani, Jatimulyo Branch Office Syarif, Ahmad Hazas; Sya'adi, Nur; Fitriyani, Anggita
Journal of Contemporary Applied Islamic Philanthropy Vol. 1 No. 2 (2023): JCAIP
Publisher : Nuban Jagadhita Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62265/jcaip.v1i2.46

Abstract

Purpose: PT BPRS Metro Madani Jatimulyo Branch Office offers a product called Griya Madani which is a combination of two types of contracts in one agreement, namely the murabahah bil wakalah contract (by order). Murabahah is a sale and purchase of the cost of goods plus a margin as profit from the seller. Along with its development, the murabahah contract was included in Islamic bank financing and combined with the wakalah contract so that it was known as murabahah bil wakalah. The provisions of murabahah bil wakalah are contained in Fatwa Number 04/DSN-MUI/IV/2000 point nine which among other things stipulates that when a bank wants to sell an item, the item must in principle become the property of the bank first. The purpose of this study was to analyze whether the hybrid contract murabahah bil wakalah contract system on Griya Madani financing at PT BPRS Metro Madani Jatimulyo Branch Office which was implemented at PT BPRS Metro Madani Jatimulyo Branch Office was by Fatwa Number 04/DSN-MUI/IV/2000 Methodology: The research method used a qualitative research method with a descriptive approach. Findings: The results of this thesis research conclude that the application of the hybrid contract murabahah bil wakalah contract system contained in the Griya Madani financing at PT BPRS Metro Madani Jatimulyo Branch Office is by Fatwa Number 04/DSN-MUI/IV/2000 concerning murabahah.
Analysis Of Wakaf Bank Financing Model for Empowerment Based on Islamic Microfinance an Islamic Economic Perspective Syarif, Ahmad Hazas; Ramadhana, Amelia Tika; Suharto, Suharto
Journal of Contemporary Applied Islamic Philanthropy Vol. 2 No. 2 (2024): JCAIP
Publisher : Nuban Jagadhita Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62265/jcaip.v2i2.80

Abstract

  Purpose: The formulation of the problem in this study is how the waqf bank financing model is Empowering Based on Islamic Micro Finance at Islamic Micro Waqf Banks at the Minhadlul Ulum Islamic Boarding School Lampung. Methodology: In this study, using qualitative research. The population in this study were employees and customers at the Minhad'lul Ulum Micro Waqf Bank Lampung. The sampling technique used is a purposive sampling technique with criteria determined by the researcher, namely customers who have micro businesses and want to make their businesses more productive. Findings: Waqf Bank itself uses a Sharia-based financing system in its financing mechanism for its customers using the Qardh contract and joint responsibility system, where joint responsibility is the responsibility of each customer in one group or individually, where if one customer is in one group If the person cannot pay the installments, then the other members in the group are the ones who are responsible for paying the installments, either one person who pays or it is paid jointly or jointly. In this Qardh contract, in essence, it is a form of help and affection for the borrower, not a means to seek profit for the lender, in which there is no reward and excess return. From the financing provided by BWM, customers can increase their business and get maximum results from their usual income, therefore financing from the Micro Waqf Bank is very helpful for customers, especially the poor, middle and lower classes.  
Pengaruh Islamic Corporate Governance Dan Manajemen Laba Terhadap Nilai Perusahaan Di Bank Umum Syari’ah Periode 2018-2021 Kurniawan, Agus; Syarif, Ahmad Hazas; Safitri, Desiyana
Jurnal Ilmiah Raflesia Akuntansi Vol. 10 No. 1 (2024): Jurnal Ilmiah Raflesia Akuntansi
Publisher : Politeknik Raflesia Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53494/jira.v10i1.347

Abstract

Nilai Perusahaan merupakan persepsi investor terhadap perusahaan yang sering dikaitkan dengan harga saham. Pertumbuhan perbankan syariah yang semakin meningkat, penerapan Islamic Corporate Governance (ICG) menjadi suatu kewajiban Implementasi ICG bertujuan untuk menanggulangi timbulnya berbagai macam resiko dan masalah. Selain tujuan tersebut, ICG juga menjadi tumpuan utama untuk menjadikan perbankan yang unggul dan mempunyai daya saing tinggi. Hasil dalam penelitian ini menunjukan bahwa islamic corporate governance berpengaruh positif terhadap nilai perusahaan, dan manajemen laba berpengaruh positif terhadap nilai perusahaan. Kesimpulan dalam penelitian ini H1 yang menyatakan bahwa islamic corporate governance berpengaruh negatif dan signifikan terhadap nilai perusahaan diterima dan H2 menyatakan bahwa manajemen laba berpengaruh positif dan signifikan terhadap nilai perusahaan diterima serta H3 yang menyatakan secara simultan kedua variabel yaitu islamic corporate govornance dan manajemen laba dapat berpengaruh terhadap nilai perusahaan diterima
Pengaruh Environmental Performance Disclosure, Social Performance Disclosure, dan Good Corporate Governance Terhadap Sustainability Financial Performance pada Perusahaan Pertambangan yang Terdaftar di Bursa Efek Indonesia pada Tahun 2021-2023 Mawarni, Intan; Eliza, Any; Syarif, Ahmad Hazas
Indo-Fintech Intellectuals: Journal of Economics and Business Vol. 5 No. 1 (2025): Indo-Fintech Intellectuals: Journal of Economics and Business (2025)
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/ifijeb.v4i6.2728

Abstract

Sustainability financial performance merupakan suatu kemampuan perusahaan dalam menghasilkan profit jangka panjang dalam mempertahankan kinerja keuangan secara berkelanjutan. Penelitian ini bertujuan untuk mengetahui pengaruh environmental performance disclosure, social performance disclosure, dan good corporate governance terhadap sustainability financial performance pada perusahaan pertambangan di Bursa Efek Indonesia periode tahun 2021-2023. Penelitian ini menggunakan metode penelitian kuantitatif dan menggunakan data sekunder yang diperoleh dari sustainability report, annual report dan sk peringkat PROPER. Populasi penelitian yaitu perusahaan pertambangan di BEI tahun 2021-2023 sebanyak 48 perusahaan, dan sampel sebanyak 16 perusahaan yang diambil menggunakan teknik purposive sampling. Analisis data menggunakan SPSS 25 dengan menggunakan analisis regresi linear berganda, uji asumsi klasik, dan uji hipotesis. Hasil penelitian menunjukan environmental performance disclosure tidak berpengaruh terhadap sustainability financial performance, sedangkan variabel social performance disclosure dan good corporate governance berpengaruh negatif signifikan terhadap sustainability financial performance.
Pengaruh Laba Bersih Dan Ukuran Perusahaan Terhadap Harga Saham Pada IDX MES BUMN 17 Rosaliana, Mega; Syarif, Ahmad Hazas; Rahman, Taufiqur
Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Vol 5 No 1 (2025): Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) - Maret 2025
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/jimpa.v5i1.558

Abstract

Untuk tahun 2019-2023, penelitian ini akan melihat harga saham IDX MES BUMN 17 di Bursa Efek Indonesia dan bagaimana faktor-faktor seperti laba bersih dan ukuran perusahaan. Metode penelitian kuantitatif digunakan. Laporan keuangan dikumpulkan selama periode (2019-2023) sebagai sarana untuk mengumpulkan data sekunder dengan menggunakan pendekatan dokumentasi. Dengan menggunakan eviews, 14 perusahaan dikumpulkan dengan menggunakan pendekatan purposive sampling. Informasi dikumpulkan sumber web BEI. Teknik regresi data panel. Pengujian data menunjukkan bahwa laba bersih berpengaruh positif dan signifikan terhadap harga saham. Dan ukuran perusahaan berpengaruh positif, tidak signifikan terhadap harga saham. Laba bersih dan ukuran perusahaan secara bersama-sama berpengaruh positif dan signifikan terhadap harga saham.
PENGARUH INFLASI, BI RATE, FDR, CAR, & BOPO TERHADAP NPF PADA BANK UMUM SYARIAH TAHUN 2016-2023 Nasution, Lidiya Afrila; Zuliansyah, Ahmad; Syarif, Ahmad Hazas
NISBAH: Jurnal Perbankan Syariah Vol. 10 No. 2 (2024): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v10i2.19574

Abstract

Pertumbuhan pembiayaan Bank Umum Syariah (BUS) di Indonesia mengalami peningkatan signifikan dalam beberapa tahun terakhir, namun disertai risiko meningkatnya Non Performing Financing (NPF) yang mengancam stabilitas sektor perbankan syariah. Penelitian ini bertujuan untuk menganalisis pengaruh Inflasi, BI Rate, Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Biaya Operasional dan Pendapatan Operasional (BOPO) terhadap Non Performing Financing (NPF) pada Bank Umum Syariah BUS periode 2016–2023. Metode yang digunakan adalah pendekatan kuantitatif dengan data sekunder agregat dari OJK dan Bank Indonesia. Analisis dilakukan menggunakan regresi linier berganda dengan koreksi HAC untuk mengatasi autokorelasi dan heteroskedastisitas. Hasil menunjukkan bahwa secara simultan seluruh variabel independen berpengaruh signifikan terhadap NPF, namun secara parsial tidak terdapat variabel yang menunjukkan pengaruh signifikan. Nilai Adjusted R² sebesar 92,95% menunjukkan bahwa model memiliki kemampuan prediktif yang sangat kuat. Temuan ini mengindikasikan bahwa risiko pembiayaan bermasalah lebih dipengaruhi oleh kombinasi faktor internal dan eksternal secara kolektif dibanding pengaruh individu. Penelitian ini memberikan kontribusi empiris dalam memahami dinamika risiko NPF dan mendukung penguatan strategi manajemen risiko serta efisiensi operasional pada industri perbankan syariah di Indonesia.
Analisis Pengaruh Upah dan Tenaga Kerja terhadap Pengangguran di Indonesia dalam Prespektif Ekonomi Islam Latifah, Tatik; Syarif, Ahmad Hazas; Taufiqurrahman, Taufiqurrahman
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 6 No 4 (2025): May 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v6i4.7148

Abstract

This study aims to analyze the effect of minimum wages and the number of workers on unemployment in Indonesia in the perspective of Islamic economics for the period 2009-2023. This research takes place in Indonesia The research period is 15 years, namely 2018-2023, all data used is obtained from the official BPS website, This study employs a quantitative methodology. Explanatory research is the methodology employed in this study. The authors of this study employed Eviews 10 technologies to make data processing easier. A variation of VAR is the Vector Error Correction Model, or VECM. With the exception of stationarity issues, the same presumptions as VAR must be met. The data used in this analysis, which focuses on Indonesia from 2009 to 2023, was taken from the official BPS website. The study's goal was to ascertain how different variables affected the dependent variable, unemployment (Y), specifically the impact of independent variables, minimum wage (X1) and total labor (X2). The findings demonstrated that the minimum wage variable had a favorable impact on unemployment over the long run (coefficient value: 4.04E07), and over the short term (coefficient value: 3.57E-06). We can conclude that the minimum wage has a favorable impact on the unemployment rate both in the short and long run. Additionally, the number of employees has a long-term positive impact on unemployment (coefficient value: 0.486303), whilst the number of employees has a short-term negative impact (coefficient value: -0.021979) on unemployment in Indonesia. Therefore, it can be said that having more employees offers both short- and long-term benefits.
THE EFFECT OF GREEN BANKING IMPLEMENTATION AND OPERATING COST EFFICIENCY ON FINANCIAL PERFORMANCE AT ISLAMIC COMMERCIAL BANKS IN INDONESIA FOR THE 2019-2023 PERIOD Yundari, Karexa Selvia; Purnamasari, Femei; Syarif, Ahmad Hazas
JURNAL PROFIT Vol 9, No 1 (2025): Economic And Development
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i1.11281

Abstract

Environmental problems such as climate change and natural disasters are now increasingly frequent. Banking operations that pay less attention to environmental aspects contribute to worsening this situation, because the drive for profit often makes the negative impact of business on the environment ignored. This study aims to analyze the application of green coin rating (GCR) and Operational Cost Efficiency (BOPO) to return on equity (ROE) as an indicator of financial performance at Islamic Commercial Banks in Indonesia for the 2019-2023 Period. The population in this study are all financial reports from 13 BUSs that have been published until 2023. The sample of this study used purposive sampling with a sample of 6 BUS, namely BCA Syariah, Bank Aceh Syariah, Bukopin Syariah, NTB Syariah, Bank Panin Dubai Syariah, and Bank Muamalat, using annual report data and sustainability reports for the 2019-2023 period. The data analysis technique uses panel data regression analysis through the E-Views10 program. The results showed that partially, the application of GCR has a negative and insignificant effect on ROE with a sig value. 0.5845>0.05, while BOPO shows a positive significant effect on ROE with a sig value. 0,0000<0,05. Simultaneously GCR and BOPO have a significant effect with a sig value. 0.000001 <0.05 on ROE at Islamic Commercial Banks in Indonesia for the 2019-2023 Period Keywords: Green Banking, Operating Cost Efficiency, Financial Performance, Islamic Commercial Bank
THE EFFECT OF PREMIUM PRICES AND BRAND IMAGE ON THE DECISIONS OF SHARIA ‎INSURED CUSTOMERS Syarif, Hazas; Bahrudin, Moh.; Tamara, Oktia
Al-Mashrof: Islamic Banking and Finance Vol. 1 No. 2 (2020): Al - Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mashrof.v1i1.7173

Abstract

This research is based on the problem of decreasing the number of customers of Prudential Syariah Insurance Lampung Branch from 2016-2018, where this is inversely proportional to the Prudential Sharia Insurance of Indonesia. In making a product purchase, premium prices and brand image are considered as important factors as an assessment of a product. This study aims to determine whether there is an influence of premium prices and brand image on the decisions of sharia insurance customers, where this research was conducted on Prudential Sharia Insurance customers.This research uses quantitative methods, data collection uses interviews and questionnaires. While sampling using purposive sampling and accidental sampling techniques and got a sample of 42 respondents, Then test the instrument using the validity test, reliability test, and proceed to the classic assumption test and hypothesis test. The results of this study obtained the value of Thitung for each variable, namely the premium price (X1) of 5.461> 2.021 (Ttable) with a significance value of 0.000 and brand image (X2) of 1.318 <2.021 with a significance value of 0.175. Based on the results of the analysis that has been done, it can be concluded that from the two independent variables that significantly influence the dependent variable, only the premium price variable has a positive effect, which is 5.461 with a Sig 0.000 level.
ANALISIS SWOT FINANCIAL TECHNOLOGY (FINTECH) PERBANKAN SYARIAH DALAM OPTIMALISASI PENYALURAN PEMBIAYAAN DAN KUALITAS PELAYANAN BANK SYARIAH Tiyan, Lucky; Kurniawan, Muhammad; Asriani, Asriani; Syarif, Hazas
Al-Mashrof: Islamic Banking and Finance Vol. 2 No. 1 (2021): Al - Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mashrof.v2i1.8799

Abstract

Penelitian ini bertujuan untuk melihat apakah penyaluran pembiayaan dan kualitas pelayanan berbasis Fintech telah optimal diimplementasikan oleh PT. Bank Mandiri Syariah KCP Kedaton Bandar Lampung dan PT. Bank BNI Syariah KC Tanjung Karang Bandar Lampung melalui metode analisis SWOT. Sampel dalam penelitian ini adalah pegawai pada dua Bank Syariah tersebut dan peneliti mengambil data dari penyebaran kuesioner untuk mengukur kondisi internal (kekuatan dan kelemahan) dan eksternal (peluang dan ancaman) serta melakukan wawancara dengan marketing finance untuk melihat implementasi pada penyaluran pembiayaan berbasis Fintech dan melakukan wawancara pada customer service untuk melihat implementasi pelayanan berbasis Fintech. Teknik analisis data yang digunakan adalah penghitungan manual dengan menggunakan pengukuran pada faktor internal (IFAS) dan eksternal (EFAS), kemudian dengan menghitung pada faktor internal-ekternal untuk mengetahui posisi kuadran SWOT Bank Syariah. Hasil analisis menunjukkan bahwa PT. Bank Mandiri Syariah KCP Kedaton Bandar Lampung dan PT. Bank BNI Syariah KC Tanjung Karang Bandar Lampung berada pada posisi kuadran 2 dimana ini berarti Bank Syariah harus menggunakan strategi diversifikasi. Kata kunci: Fintech, SWOT, Kuadran
Co-Authors Agus Kurniawan Anggi Pratama Any Eliza Asriani Asriani, Asriani Bahrudin, Moh. Deti, Sri Dinda Fali Rifan Evi Ekawati Femei Purnamasari, Femei Fitriyani, Anggita Haryadi - LATIFAH, TATIK Lestari, Atikah Ayu MALIK, ANAS Mawarni, Intan Muhammad Kurniawan Mulyani, Laras dwi Nasution, Lidiya Afrila Rahma, Rianti Ramadhana, Amelia Tika Rosaliana, Mega Safitri, Desiyana Saputri, Dea Wulan Sudarto, Aye Suharto Suharto Sulistiowati, Ani Retno Susanti, Eka Desy Sya'adi, Nur Tamara, Oktia Taufiqur Rahman, Taufiqur Taufiqurrahman Taufiqurrahman Tiyan, Lucky Tulus Suryanto Untung Nopriansyah Weny Rosilawati Yundari, Karexa Selvia Zuliansyah, Ahmad