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All Journal JOURNAL OF SCIENCE AND SOCIAL RESEARCH Jurnal Ilmiah Edunomika (JIE) Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Arastirma Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Jurnal Ekonomika Dan Bisnis Balance : Jurnal Akuntansi dan Manajemen Jurnal Perbankan Syariah Darussalam (JPSDa) Jurnal Hukum Ekonomi Syariah : AICONOMIA Sharia Economic and Management Business Journal (SEMBJ) Kenduri: Jurnal Pengabdian Dan Pemberdayaan Masyarakat VISA: Journal of Vision and Ideas
B, Idwal
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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ANALISIS KINERJA KEUANGAN PT BANK MUAMALAT INDONESIA TBK PERIODE 2019-2023 Sukma, Amanda Pelita; B, Idwal; Hariyadi, Rizky
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol 8, No 2 (2025): May 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v8i2.3183

Abstract

Abstract: Banking plays an important role in managing public funds, both through conventional banks and Islamic banks. Bank Muamalat Indonesia, one of the first Islamic banks in Indonesia, carries out its activities with Islamic principles and offers various financial products such as murabahah, mudharabah, musyarakah, and ijarah. This study aims to analyze the financial performance of Bank Muamalat Indonesia during the period 2019–2023 using financial ratios, namely liquidity, profitability, and solvency ratios. This study uses a descriptive quantitative approach by analyzing secondary data from Bank Muamalat Indonesia's annual financial reports. The results of the analysis show that although Bank Muamalat Indonesia showed good liquidity performance in most of the years studied, profitability performance fluctuated, with a significant decline in several years. The solvency ratio shows stability, but profitability such as Net Profit Margin (NPM) and Return on Assets (ROA) show inadequate performance compared to other Islamic banks. This study is expected to provide a comprehensive picture of the financial condition of Bank Muamalat Indonesia and contribute to the development of Islamic bank financial performance studies. Keyword: financial performance, Bank Muamalat Indonesia, financial ratios, liquidity,               profitability, solvency. Abstrak: Perbankan memegang peranan penting dalam pengelolaan dana masyarakat, baik melalui bank konvensional maupun bank syariah. Bank Muamalat Indonesia, merupakan salah satu bank syariah pertama di Indonesia, menjalankan aktivitasnya dengan prinsip syariah dan menawarkan berbagai produk keuangan seperti murabahah, mudharabah, musyarakah, dan ijarah. Penelitian ini bertujuan untuk menganalisis kinerja keuangan Bank Muamalat Indonesia selama periode 2019–2023 dengan menggunakan rasio keuangan, yaitu rasio likuiditas, profitabilitas, dan solvabilitas. Penelitian ini menggunakan pendekatan kuantitatif deskriptif dengan menganalisis data sekunder dari laporan keuangan tahunan Bank Muamalat Indonesia. Hasil analisis menunjukkan bahwa meskipun Bank Muamalat Indonesia menunjukkan kinerja likuiditas yang baik pada sebagian besar tahun yang diteliti, kinerja profitabilitas mengalami fluktuasi, dengan penurunan signifikan pada beberapa tahun. Rasio solvabilitas menunjukkan stabilitas, namun profitabilitas seperti Net Profit Margin (NPM) dan Return on Assets (ROA) menunjukkan performa yang tidak memadai dibandingkan dengan bank syariah lainnya. Penelitian ini diharapkan dapat memberikan gambaran komprehensif tentang kondisi keuangan Bank Muamalat Indonesia dan memberikan kontribusi pada pengembangan studi kinerja keuangan bank syariah. Kata kunci: kinerja keuangan, Bank Muamalat Indonesia, rasio keuangan, likuiditas,                    profitabilitas, solvabilitas. 
Pengaruh Fintech Payment, Kontrol Diri Dan Literasi Keuangan Syariah Terhadap Manajemen Keuangan Pribadi Pada Komunitas Genbi Bengkulu Tri Oktavia, Laila; B, Idwal; Polindi, Miko
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 02 (2025): Juli 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i02.3886

Abstract

This study aims to analyze the influence of Fintech Payment, self-control, and Islamic financial literacy on personal financial management within the Generasi Baru Indonesia (GenBI) community in Bengkulu. The research employs a quantitative approach, with data collected through questionnaires distributed to 175 respondents. The data were analyzed using multiple linear regression with the assistance of SPSS version 25. The analysis results show that, partially, Fintech Payment has a positive and significant effect on personal financial management with a significance level of 0.042. The self-control variable also has a significant influence, with a significance value of 0.003, while Islamic financial literacy demonstrates the most significant impact, with a value of 0.000. Simultaneously, the three variables have a positive and significant effect on personal financial management, as evidenced by a significance value of 0.000 (< 0.05). Therefore, these variables contribute significantly to improving the personal financial management skills of GenBI Bengkulu members.
Efektivitas Pengelolaan Kuota Haji Reguler oleh Kantor Wilayah Kementerian Agama Provinsi Bengkulu Amirullah, Sidik; B, Idwal; Zaki, Khozin
Balance : Jurnal Akuntansi dan Manajemen Vol. 4 No. 2 (2025): Agustus 2025
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jam.v4i2.702

Abstract

Penelitian ini bertujuan untuk mengetahui efektivitas pengelolaan kuota haji reguler oleh Kantor Wilayah Kementerian Agama Provinsi Bengkulu, bagaimana proses pengelolaan kuota haji dilakukan, tantangan yang dihadapi, dan bentuk efektivitas yang telah dicapai. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan teknik pengumpulan data berupa wawancara, observasi, dan dokumentasi. Informan penelitian terdiri atas tiga pejabat struktural Kanwil Kemenag Provinsi Bengkulu, serta dua orang jemaah haji. Hasil penelitian menunjukkan bahwa pengelolaan kuota haji reguler melibatkan serangkaian proses yang terstruktur, mulai dari kebijakan dan regulasi pemerintah pusat, sistem pembagian kuota berbasis kabupaten/kota yang mengacu pada data SISKOHAT, serta peran aktif Kanwil Kemenag sebagai pelaksana teknis. Tantangan yang dihadapi meliputi panjangnya daftar tunggu, keterbatasan kuota, penundaan keberangkatan oleh jemaah, serta kesulitan dalam memperbarui dan menghubungi data jemaah lama. Meskipun demikian, pengelolaan kuota haji di Provinsi Bengkulu secara umum dinilai efektif, dibuktikan melalui tingkat pemanfaatan kuota yang tinggi, proses pendaftaran yang lancar, serta sistem waiting list yang transparan dan adil. Penelitian ini merekomendasikan perlunya peningkatan pembaruan data jemaah, penguatan edukasi publik, serta upaya strategis penambahan kuota nasional sebagai bentuk respons atas meningkatnya permintaan masyarakat.   This study aims to determine the effectiveness of regular hajj quota management by the Regional Office of the Ministry of Religious Affairs of Bengkulu Province, how the hajj quota management process is carried out, the challenges faced, and the form of effectiveness that has been achieved. This study uses a descriptive qualitative approach with data collection techniques in the form of interviews, observations, and documentation. The research informants consisted of three structural officials from the Bengkulu Province Ministry of Religion Regional Office, as well as two Hajj pilgrims. The results of the study indicate that regular hajj quota management involves a series of structured processes, starting from central government policies and regulations, a district/city-based quota distribution system referring to SISKOHAT data, and the active role of the Ministry of Religious Affairs Regional Office as a technical implementer. The challenges faced include the length of the waiting list, limited quotas, delays in departure by pilgrims, and difficulties in updating and contacting old pilgrim data. However, the management of the hajj quota in Bengkulu Province is generally considered effective, as evidenced by the high level of quota utilization, a smooth registration process, and a transparent and fair waiting list system. This study recommends the need to increase the updating of pilgrim data, strengthen public education, and strategic efforts to increase the national quota as a response to increasing public demand.  
Penolakan Konsep Time Value of Money dalam Ekonomi Islam untuk Menjaga Pertumbuhan Ekonomi Tetap Produktif Asnaini, Asnaini; B, Idwal; Yuningsih, Ayu
Jurnal Hukum Ekonomi Syariah : AICONOMIA Vol. 2 No. 1 (2023): Jurnal Hukum Ekonomi Syariah : AICONOMIA
Publisher : Fakultas Syariah IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/acm.v2i1.2631

Abstract

This study aims to reveal that the concept of time value of money in Islamic economics is as a rejection of the practice of interest (usury) or economics that ignores the real sector. The study used qualitative methods of content analysis with secondary data. The results revealed that Islamic economics rejects the concept of time value of money. Money is money, not a commodity. Money should always be positioned as a medium of exchange regardless of changes or additional time. Time cannot be the cause for the increase in the value of money in the past that exists in the present. Additions that are allowed are additional because of both business and social transactions. Additions due to loan contracts that position money as a commodity are strictly prohibited (haram) because they lead to interest (usury) instead of profit (profit). If this happens, it will seriously endanger economic growth. The economy became uncompetitive and the principles in Islamic economics were not fulfilled.
Peran dan Aplikatif Financial Technology pada Perbankan Syariah Yutina, Iwit; B, Idwal; Polindi, Miko
Jurnal Arastirma Vol. 5 No. 2 (2025): JURNAL ARASTIRMA
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/jaras.v5i2.49170

Abstract

Tujuan. Tujuan penelitian ini adalah untuk mengetahui aplikasi apa saja yang di terapkan di Perbankan Syariah dalam penerapan Financial Technology dan Untuk mengetahui peran Financial Technology pada Perbankan Syariah. Metode. Pada penelitian ini, peneliti menggunakan penelitian kualitatif yang menggunakan pendekatan kualitatif dengan metode deskriptif, dengan menggunakan teknik pengumpulan data yaitu observasi, wawancara dan dokumentasi. Sedangkan teknik analisis data pada penelitian ini yaitu Data Reiduictiion (Reiduiksii Data), Data Diisplay (Peinyajiian Data), dan Concluisiion Drawiing (Peinariikan keisiimpuilan). Hasil. Hasil penelitian menunjukkan bahwa aplikasi financial technology yang diterapkan di Perbankan Syariah meliputi Mobile Banking (BSI Mobile), Internet Banking, dan Virtual Account. Penggunaan ketiga aplikasi ini memberikan berbagai manfaat bagi nasabah, antara lain kemudahan transaksi keuangan tanpa harus datang ke kantor cabang, transparansi mutasi rekening, akses donasi ZISWAF secara daring, serta fleksibilitas dalam bertransaksi kapan pun dan di mana pun. Selain itu, ditemukan bahwa aplikasi tersebut juga mendukung pelayanan nasabah dalam hal efisiensi waktu, keamanan data transaksi, dan peningkatan loyalitas terhadap layanan perbankan syariah. Implikasi. Aplikasi financial technology yang diterapkan pada Perbankan Syariah, yaitu Mobile Banking, Internet Banking dan Virtual Account. Dan, Peran aplikasi financial technology sangat penting dalam meningkatkan keuangan inklusif pada Bank Syariah. Adanya aplikasi financial technology seperti mobile banking dan internet banking menjadi pengganti lembaga formal dan juga menjadi alat bantu pembayaran. Keuangan inklusif nya juga meningkat seiring penggunaan aplikasi financial technology yang tinggi.
Edukasi Konsep Pengembangan Halal Tourism Wisata Pantai Pengubaian dalam Meningkatkan Kepuasan Wisatawan di Kabupaten Kaur Nabila, Naswa; B, Idwal; Pramadeka, Katra
VISA: Journal of Vision and Ideas Vol. 4 No. 3 (2024): VISA: Journal of Vision and Ideas
Publisher : IAI Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/visa.v4i3.5337

Abstract

The development of halal tourism in Indonesia has become one of the priorities to increase tourist satisfaction, especially in areas with a majority Muslim population. Pengubaian Beach has great potential to develop the concept of halal tourism. However, until now the concept has not been applied optimally. This community service program aims to provide education to tourism actors and local communities about the importance of developing halal tourism at Pengubaian Beach. The methods used include Focus Group Discussion (FGD) and socialization with the Kaur Regency Tourism Office. The results of this activity show an increase in the understanding and awareness of tourism actors, the local community towards the concept of halal tourism, with the hope of being able to increase the attractiveness of Pengubaian Beach as a sustainable tourist destination.
PENGARUH KOMPENSASI DAN MOTIVASI TERHADAP KEPUASAAN KERJA KARYAWAN PONDOK PESANTREN AL-QUR’AN HARSALLAKUM BENGKULU Arisandi, Jefri; B, Idwal; Shar, Aan
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 3 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i3.14562

Abstract

This exploration intends to see if the factors of remuneration and inspiration impact worker work fulfillment. The object of this exploration is the Harsallakum Bengkulu Al-Qur'an Islamic Live-in School. In this examination, a quantitative methodology was utilized. The populace in this review was all representatives from the Harsallakum Bengkulu Al-Qur'an Islamic Life experience School, adding up to 60 individuals. The inspecting strategy utilizes the enumeration/complete testing technique, which is an examining procedure where all individuals from the populace are tested. So the quantity of tests utilized was 60 respondents. In this examination, numerous direct relapse examination is utilized as an information investigation technique. In view of the tests that have been done, it tends to be seen that the factors remuneration (X1) and inspiration (X2) to some extent impact representative work fulfillment. Then, all the while or together, the factors of pay and inspiration essentially affect worker work fulfillment at the Harsallakum Al-Qur'an Islamic live-in school, Bengkulu.
PENGARUH RESESI GLOBAL TERHADAP PERGERAKAN HARGA SAHAM DI INDONESIA TAHUN 2023 Pratiwi, Sophia; B, Idwal; Yustati, Herlina
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 4 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i4.15521

Abstract

The aim of this research is to find out how the global recession will affect stock price movements in Indonesia in 2023. The research method used is quantitative with secondary data collection techniques in the form of inflation, exchange rate and interest rate data. The data analysis technique used is multiple linear regression using the SPSS version 25 program. The results of the research show that the variables inflation, interest rates and exchange rates influence stock price movements by 17.9%. First, there is no significant influence of inflation (X1) on JII share price movements, second, there is a negative influence of interest rates (X2) on JII share price movements, third, there is no influence of the exchange rate on JII share price movements. while the rest is influenced by other variables not studied.
Co-Authors Alfioni, Sovita Amirullah, Sidik Arisandi, Jefri Asnaini Asnaini, Asnaini Dewanty, Wiwik Fadli Faisal Muttaqin Hariyadi, Rizky Khairul Anwar Madyani, Fitri Miko Polindi, Miko Muttaqin, Faisal Nabila, Naswa Novia Sari, Yuyun Nurul Hak Pramadeka, Katra Pratiwi, Sophia putri, Prisilia Anggraini Sari, Mella Nopita Sari Shar, Aan Stiawan, Evan Sukma, Amanda Pelita Sumanto, Edi Tri Oktavia, Laila Uswatun Hasanah Yunida Een Fryanti Yuningsih, Ayu YUSTATI, HERLINA Yutina, Iwit Zaki, Khozin Zelvia Liska Afriani