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All Journal Jurnal Ekonomi Pembangunan Ahkam: Jurnal Ilmu Syariah ESENSI: JURNAL BISNIS DAN MANAJEMEN LEGITIMASI: Jurnal Hukum Pidana dan Politik Hukum Global Review of Islamic Economics and Business Ziswaf : Jurnal Zakat dan Wakaf Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Jurnal Ilmiah Peuradeun J-EBIS (Jurnal Ekonomi dan Bisnis Islam) JEM: JURNAL EKONOMI DAN MANAJEMEN JSHP (Jurnal Sosial Humaniora dan Pendidikan) El-Usrah: Jurnal Hukum Keluarga Journal of Islamic Accounting and Finance Research Islam Universalia : International Journal of Islamic Studies and Social Sciences AT-TASYRI' Jurnal Ilmiah Prodi Muamalah Bertuah : Jurnal Syariah dan Ekonomi Islam BASHAIR Share: Jurnal Ekonomi dan Keuangan Islam Jeksyah AT-TIJARAH: Journal Islamic Banking and Finance Research Review of Islamic Social Finance and Entrepreneurship Nuansa: Jurnal Penelitian Ilmu Sosial dan Keagamaan Islam Journal of Finance and Islamic Banking Alkasb: Journal of Islamic Economics
Ramly, Arroyyan
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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THE IMPLEMENTATION OF VILLAGE FUND POLICY IN IMPROVING ECONOMY OF VILLAGE SOCIETY Ramly, Ar Royyan; Wahyuddin, Wahyuddin; Mursyida, Julli; Mawardati, Mawardati
Jurnal Ilmiah Peuradeun Vol 6 No 3 (2018): Jurnal Ilmiah Peuradeun
Publisher : SCAD Independent

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (862.667 KB) | DOI: 10.26811/peuradeun.v6i3.184

Abstract

This study analyzed the implementation of the village budget allocation policy and the village fund allocation which became second source in village finance revenue. The analysis made is to see how this village fund policy is able to increase the economic potency of the village so that there is equal distribution of income in village society. The method used is qualitative with descriptive analysis approach. The results of this study indicated that the policy of village funds and the allocation of village funds in the case of Kuala Sub-district of Nagan Raya District still cannot increase the potential of the village through utilization village fund, while the potential of the village is very large. This is because the policy of village fund allocation is still directed to infrastructure development or physical potential, besides; there are still obstacles of human resources in managing the village funds. The village which is classified as independent is Simpang Peut village which manage their business through village business entity.
Analysis Of Village Building Index In Village Development In Kuala Sub-District Ramly, Ar Royyan; Wahyuddin, Wahyuddin; Mursyida, Julli; Mawardati, Mawardati
Jurnal Ekonomi Pembangunan Vol 17, No 1 (2019): JURNAL EKONOMI PEMBANGUNAN
Publisher : Pusat Pengkajian Ekonomi dan Kebijakan Publik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jep.v17i1.8087

Abstract

This study aims to analyze the village building index in the development of village in Kuala sub-district of Nagan Raya regency. This research is descriptive qualitative and quantitative. The object of this study is 17 villages in the region of Kuala sub-district, while the data used in this study is sourced from primary and secondary data derived from document review, observation, FGD, and interviews from 2015 to 2017. Data analysis technique using descriptive analysis in the form of tables and diagrams, while the quantitative analysis using multiple regression test with the dependent variable percentage of village fund accumulation 2015-2017, independent variables are Environmental Sensitivity Index, Economic Conditions Index, Healthy Family Index and Village Building Index. The results showed that the analysis of the use of village funds for development in Kuala sub-district positively influence. Then with the development of village infrastructure and empowerment, the status of villages in the region of Kuala sub-district increased with an average developing status of 71 percent and advanced village status of 23 percent.
Pemodelan Efisiensi Bank di Indonesia: Perbandingan antara Bank Syariah dan Bank Konvensional Ar Royyan Ramly; Abdul Hakim
Esensi: Jurnal Bisnis dan Manajemen Vol 7, No 2 (2017)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/ess.v7i2.4989

Abstract

Modeling of Indonesian Banks' Efficiency: Comparative Study Between Islamic Banks and Conventional BanksThis study aims to analyze the efficiency comparison between Islamic banks and conventional banks in Indonesia in 2012-2014. The method used in this study is non-parametric approach with data envelopment analysis (DEA) and Panel data regression whereas input and output variables are treated in intermediary function. To measure the efficiency level of Islamic banks and conventional banks the independent sample t test is used. The result of the study shows that there is significant difference of efficiency between Islamic banking and conventional banking in 2012-2014. The empirical factors that affect Islamic banks and Conventional banks efficiency are ROA, CAR, and FDR variables. On the other hand, NPF results insignificantly and affects negatively towards Islamic banks efficiency. Lastly, ROA, NPL, LDR, and CAR had significantly affected Conventional banks efficiency.DOI: 10.15408/ess.v7i2.4989 
COMPARISON OF EFFICIENCY AND MODELLING OF ISLAMIC BANKS AND CONVENTIONAL BANKS IN INDONESIA Ar Royyan Ramly
Global Review of Islamic Economics and Business Vol 4, No 2 (2016)
Publisher : Faculty of Islamic Economics and Business, State Islamic University Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (420.877 KB) | DOI: 10.14421/grieb.2016.042-04

Abstract

This study aims to analyze the efficiency comparison between Islamic banks and conventional banks in Indonesia in 2012-2014. The data in this study were chosen through purposive sampling from 20 Islamic banks and conventional banks in Indonesia. The method used in this study is non-parametric approach with data envelopment analysis (DEA) whereas input and output variables are treated in intermediary function. The input variables are total asset, total saving (third party fund), and price of labor while the output variables are total financing (loans) and total operational expenses. To measure the efficiency level of Islamic banks and conventional banks the independent sample t test is used.The result of the study shows that there is no significant difference of efficiency between Islamic banking and conventional banking in 2014 because of the significant value (2-tailed) only at 0.537 where P-value is higher than α=0.05 Ha is refused. There is no difference of efficiency between Islamic banks and conventional banks in efficiency scale (ES). The empirical factors that affect Islamic banks and Conventional banks efficiency are ROA, CAR, and FDR variables. On the other hand, NPF results insignificantly and affects negatively towards Islamic banks efficiency. Lastly, ROA, NPL, LDR, and CAR had significantly affected Conventional banks efficiency in Indonesia from 2012 to 2014.
MEKANISME OPERASIONALISASI SAHAM SYARI’AH DI INDONESIA DAN NEGARA LAIN Azka Amalia Jihad; Ar Royyan Ramly
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 1, No 2 (2016)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/v4i1.1235

Abstract

Islamic stocks is one of the instruments in islamic capital market which isoperated based on islamic principles. Islamic stocks are the securities proof ofequity participations in the company and with the evidence of these investments,the shareholders are entitled to receive part of the profits. Operationalmechanisms of islamic stocks is differently in each country. There are someproblems of the mechanisms on screening process. Assessment criteria of islamicstocks broadly divided into qualitative and quantitative criteria. Qualitativecriteria are based on halal and haram, while quantitative criteria are based onthe financial performance of the company. There is a differences of shari’acriteria in each country, specially at JII, DJIM, and KLSI. The differences willimpact to growth and development of islamic stocks in each country.
COMPARISON OF VILLAGE DEVELOPMENT BEFORE AND AFTER VILLAGE FUND IMPLEMENTATION IN NAGAN RAYA DISTRICT arroyyan ramly
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 6, No 1 (2021)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v6i1.2605

Abstract

This study aims to analyze and see the effectiveness of the distribution of the use of village funds in Kuala Subdistrict, Nagan Raya Regency and its relationship with poverty levels. The data used is in the form of time series data from 2015 to 2018 which is collected through primary and secondary data. Primary data were obtained by directly visiting villages in the Kuala sub-district. Meanwhile, secondary data were obtained from the website of the Central Statistics Agency (BPS), document review, articles related to the object of research. This study conducted observations of 10 villages as a sample of 17 villages in Kuala District. The analysis method uses panel data regression with the random effect model (REM) analysis method. From the regression results of the random effect model, it was found that the village fund variable had a positive and significant effect on poverty with a probability of 0.0000 = p-value α = 5%. Then the village fund allocation variable has a significant negative effect on poverty with a probability of 0.0000 = p-value α = 5%. This means that adding 1% of village funds or increasing village funds will reduce poverty in Kuala Subdistrict, Nagan Raya Regency.
Analisis Literasi Keuangan pada Mahasiswa STAIN Teungku Dirundeng Meulaboh Arroyyan Ramly; Fahlauddin Fahlauddin
Bertuah: Journal of Sharia and Islamic Economics Vol 3, No 1 (2022): Bertuah: Journal of Sharia and Islamic Economics
Publisher : STAIN Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to determine the financial literacy of STAIN Teungku Dirundeng Meulaboh students and the factors that affect financial literacy of STAIN Teungku Dirundeng Meulaboh students. This study uses a descriptive qualitative method. The number of respondents in this study is 150 students from 3 majors (Sharia and Islamic Economics, Tarbiyah and Teacher Training, and Da'wah and Islamic communication). The results of the study found that the financial literacy of students at STAIN Teungku Dirundeng Meulaboh is quite good, money statements and transactions shows the result of 90.5% (very good), financial planning and management found a rate of 70% (quite good), risks and benefits is 96.63% (very good), financial landscape is 49.65% (good), the knowledge of finance is 60% (good enough), and savings and loans 63.3% (good enough). In addition, there are four factors namely the gender factor, the parent's income factor, the age factor, and the parent's education level factor that affect the financial literacy of students at STAIN Teungku Dirundeng Meulaboh.
Supporting Factors in Forming Islamic Village-Owned Enterprise (I-BUMDes) in Nagan Raya District Wahyuddin; Arroyan Ramly; Muslim A Djalil; Mirna Indriani
Islam Universalia: International Journal of Islamic Studies and Social Sciences Vol 3 No 2 (2021): Islam Universalia
Publisher : Cyber Media Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56613/islam-universalia.v3i2.200

Abstract

It is important and urgent to conduct a scientific study on the establishment of Islamic Village-Owned Enterprises (I-BUMDes) through the local potential to realize independent villages, by analyzing local potential variables, financial capital, human resources, and community participation in the establishment of I-BUMDes in Nagan Raya District. The population of this study was all villages that have Bumdes in Nagan Raya district. The sampling technique used was purposive sampling. The study sample was 10 I-BUMDes that have run in Nagan Raya district. Primary data was obtained by interviews and questionnaires to I-BUMDes administrators and communities in the local area. Secondary data was obtained from the Central Bureau of Statistics (BPS), Regency Community Empowerment Agency (BPM), and the internet. Regression analysis was performed to determine whether an independent variable has an effect on the dependent variable by using the regression model estimation by entering a dummy variable, the joint hypothesis test model. Significance test was carried out using the normality test method through the Jarque-Bera (JB) statistical test through histogram screening, with a significance level of 5% indicating that the statistical value was 163,393 while the square chi value α = 5% and (df = n-2 = 130-2 = 128, α = 5%). Therefore, the Ho assumption is accepted which means the norm is distributed data. The regression results using qualitative variables can be seen, showing different results and in accordance with the hypothesis that was built. The regression results by entering the dummy variable show a positive and significant effect at α = 5%, towards the formation of I-BUMDes in Nagan Raya District. Only human power variables do not affect the formation of I-BUMDes with an error term value of α = 5%.
Determinants of Financial Literacy on Micro Waqf Banks in Aceh Amrizal Hamsa; Arroyyan Ramly
Share: Jurnal Ekonomi dan Keuangan Islam Vol 11, No 1 (2022)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v11i1.12376

Abstract

In comparison to the conventional financial literacy index, the Islamic financial literacy index in Aceh remains relatively low at 18.64%. The presence of micro Waqf banks in Aceh is intended to be beneficial to both urban and rural communities. This study investigates the factors that influence the public's preference for Micro-Wakaf Bank in Aceh. To collect data, a questionnaire was administered to 100 respondents throughout Aceh. This study utilizes the variables literacy index, preference, religiosity, and business motivation. To investigate these variables, a quantitative approach with multiple regression analysis techniques is employed. The results indicate that preference, religiosity, and business motivation have positive and statistically significant effects on Islamic financial literacy. Despite 52 percent Islamic financial literacy for micro waqf banks and the role of micro-waqf banks in expanding micro-scale businesses, the public preference for micro waqf banks remains low compared to Islamic banks. Because the practical implications of this research will have an impact on micro-waqf banks, as literacy numbers increased, the public will be more likely to choose micro-waqf banks for their business ventures.==================================================================================================== ABSTRAK – Determinan Literasi Keuangan terhadap Bank Wakaf Mikro di Aceh. Indeks literasi keuangan Syariah di aceh masih tergolong rendah sekitar 18,64% dibandingkan dengan indeks literasi keuangan konvensional. Hadirnya bank wakaf mikro di Aceh berupaya untuk meningkatkan kesejahteraan masyarakat urban dan pedesaan. Tujuan penelitian ini untuk menganalisis faktor-faktor yang mempengaruhi minat masyarakat Aceh dalam memanfaatkan bank wakaf mikro terhadap pemodalan usaha. Penelitian ini mengunakan metode kuantitatif dengan teknik analisis regresi berganda. Data penelitian dikumpulkan melalui kuesioner terhadap 100 responden yang tersebar di seluruh Aceh. Variabel yang digunakan dalam penelitian ini ialah indeks literasi, preferensi, religiusitas dan motivasi usaha. Metode analisis data menggunakan analisis regresi linear berganda. Hasil penelitian ini menunjukkan bahwa variabel preferensi berpegaruh positif dan signifikan terhadap indeks literasi keuangan syariah. Preferensi public terhadap bank wakaf mikro masih rendah dibandingkan dengan bank syariah, namun literasi keuangan syariah terhadap bank wakaf mikro sebesar 52% dan membantu peningkatan bisnis berskala mikro di dalam masyarakat. Oleh karenanya, hasil kajian ini berimplikasi bagi bank wakaf mikro dalam kepercayaan publik, dimana semakin tinggi tingkat literasi, semakin besar minat publik dalam memilih lembaga bank wakaf mikro dalam pemodalan usaha mereka.
Efektivitas Pemanfaatan Dana Desa dalam Mengentaskan Kemiskinan (Studi Kasus Kecamatan Kuala Kabupaten Nagan Raya) Wahyuddin Wahyuddin; Ar Royyan Ramly; Muslim A. Djalil; Mirna Indriani
JSHP : Jurnal Sosial Humaniora dan Pendidikan Vol 4, No 1 (2020): JSHP (JURNAL SOSIAL HUMANIORA DAN PENDIDIKAN)
Publisher : Pusat Penelitian dan Pengabdian kepada Masyarakat Politeknik Negeri Balikpapan.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32487/jshp.v4i1.666

Abstract

This study aims to analyze and see the effectiveness of the distribution of village fund utilization in Kuala sub-district of Nagan Raya District and its relation to the poverty level. the data used in the form of time-series data from 2015 to 2018 are collected through primary and secondary data. Primary data was obtained by going directly to villages in Kuala Sub-district. While the secondary data obtained from the website of the Central Bureau of Statistics (BPS), study documents, articles related to the object of research. This research conducted observation on 10 villages as a sample from 17 villages in Kuala Sub-District. The analysis method uses panel data regression with a random effect model (REM). From the result of the regression of random effect, the model found that the variable of village fund has a positive and significant influence on poverty with probability to 0,0000 = p-value α = 5%. Then the variable allocation of village funds has a significant negative effect on poverty with a probability of 0.0000 = p-value α = 5%. This means that adding 1% of village funds or increasing village funds will reduce poverty in Kuala sub-district of Nagan Raya District.Keywords: effectiveness, village funding, poverty.ABSTRAKPenelitian ini bertujuan menganalisa dan melihat efektifitas distribusi pemanfaatan dana desa di Kecamatan Kuala Kabupaten Nagan Raya dan hubungannya dengan tingkat kemiskinan. Data yang digunakan berupa data time series dari tahun 2015 hingga tahun 2018 yang dikumpulkan melalui data primer dan sekunder. Data primer diperoleh dengan mendatangi langsung ke desa-desa di kecamatan kuala. Sementara data sekunder diperoleh dari website Badan Pusat Statistik (BPS), telaah dokumen, artikel yang berhubungan dengan objek penelitian.Penelitian ini melakukan observasi terhadap 10 desa sebagai sample dari 17 desa di Kecamatan Kuala. Metode analisa mengunakan regresi data panel dengan metode analisa random effect model (REM). Dari hasil regresi model random effectditemukan bahwa variabel dana desa berpengaruh positif dan signifikan terhadap kemisikinan dengan Probabilitas sebesar  0,0000 = p-value α = 5%. Kemudian variabel alokasi dana desa berpengaruh negatif signifikan terhadap kemiskinan dengan Probabilitas sebesar  0,0000 = p-value α = 5%. Artinya dengan menambahkan 1% dana desa atau meningkatkan dana desa akan mengurangi kemiskinan di Kecamatan Kuala Kabupaten Nagan Raya.Kata kunci: efektifitas, dana desa, kemiskinan.
Co-Authors Abdul Hakim Alidar, EMK. Amrizal Hamsa, MA Andani, Listia Azka Amalia Jihad Bundo, Mayang Cut Tari Fadila EMK Alidar, EMK ESEN, Adem Fahlauddin Fahlauddin Fahlauddin, Fahlauddin Fildzia, Ayrin Sazwa Filzah, Nadhilah Fuad Hasyim Haikal, Mohammad hamsa, amrizal Hasyim, Fuad Jihad, Azka Akmalia M Shabri Abd Majid M Shabri Abd Majid Mawardati Mawardati Mirna Indriani Mirna Indriani Mirna Indriani Mirna Indriani Muhammad Kurniawan Muhammad Maulana Muksal Muksal Mursyida, Julli Muslim A Djalil Muslim A Djalil Muslim A. Djalil Muslim A. Djalil N. Nurjanah Nurjanah Nurul Fauziah Oktanira, Celsi Pratomo, Dimas Ririn Tri Ratnasari Rusgianto, Sulistya Setianingsih, Hesti Eka Shabarullah, Shabarullah Sumardi Efendi Talbani Farlian Wahyuddin Wahyuddin Wahyuddin Wahyuddin Wahyuddin Wahyuddin Wahyuddin Yuhasnibar Zulhilmi