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All Journal EL-MUHASABA MODUS-Jurnal Ekonomi dan Bisnis Jurnal Studi Agama dan Masyarakat Jurnal Al-Qardh Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Syi'ar Iqtishadi At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman FINANSIA : Jurnal Akuntansi dan Perbankan Syariah ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) Jurnal Valuasi : Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah Jurnal Cendekia Keuangan Journal Of Islamic Social Finance Management Journal of Central Banking Law and Institutions Borneo Islamic Finance and Economics Journal (BIFEJ) AT-TIJARAH: Journal Islamic Banking and Finance Research Alkhidmah: Jurnal Pengabdian dan Kemitraan Masyarakat J-MABES Accounting Journal of Ibrahimy (AJI) Jurnal Bisnis Journal of Islamic economics Perspectives (JIEP) Jurnal Akuntansi Inovatif Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Suhuf: International Journal of Islamic Studies JIMEKA
Muhammad Riza Hafizi
Institut Agama Islam Negeri Palangka Raya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Law, Crime, Criminology & Criminal Justice Social Sciences Other

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ANALISIS PERBANDINGAN KESEHATAN PERUSAHAAN DITINJAU DARI RASIO KEUANGAN SEBELUM DAN SELAMA PANDEMI COVID-19 Ayu Indira; Muhammad Riza Hafizi; Hasnita Hasnita
Jurnal Valuasi: Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan Vol. 3 No. 1 (2023): Jurnal Valuasi : Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan
Publisher : LP2M Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/vls.v3i1.173

Abstract

This study compares company health in financial ratios before and during the COVID-19pandemic. The ratios used in this study are Current Ratio (CR), Debt to Equity Ratio (DER), Return on Equity (ROE), Total Asset Turnover (TATO) and Price Earning Ratio (PER). This research approach uses quantitative methods with comparative research types. The study population is the automotive sub-sector companies on the Indonesia Stock Exchange. The sample selection was carried out using a purposive sampling method so that 10 samples of automotive sub-sector companies were obtained in 2018-2021. Statistical analysis in this study were descriptive statistics, normality test, paired sample t-test, and Wilcoxon signed rank test. The results of this study indicate that there are significant differences between the health of companies before and during the COVID-19pandemic in 2018-2021 from the variables Current Ratio (CR), Debt to Equity Ratio (DER), Return on Equity (ROE), and Price Earning Ratio (PER). There are differences, namely the Total Asset Turnover (TATO) variable before and during the 2018-2021 COVID-19pandemic. Because during the COVID-19pandemic, the value of Total Asset Turnover TATO decreased due to not maximizing people's purchasing power in the automotive market
PENGARUH LAPORAN KEUANGAN TERHADAP PENGAMBILAN KEPUTUSAN BERINVESTASI DI GALERI INVESTASI SYARIAH FEBI IAIN PALANGKA RAYA M. Ihsan Nur Rasid; Muhammad Riza Hafizi
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 4 No. 1 (2022): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v4i1.430

Abstract

Financial statements are one of the indicators that can provide an overview of the circumstances or conditions of an issuer through financial ratios, namely profitability, solvency, and value to investors in making an investment decision. In addition, financial knowledge is also one of the indicators that can influence investors in making investment decisions. The purpose of the study was to find out how much influence the issuer's financial statements have on investment decision making in the Sharia Investment Gallery FEBI IAIN Palangka Raya. The study uses a quantitative approach with expost facto types of research. The method of data collection in this study uses questionnaires and documentation. The sample in this study amounted to 83 people who were registered as customers at the Sharia Investment Gallery FEBI IAIN Palangka Raya from 2018-2020. Sampling in this study used proportional claster random sampling with solvin formula and a tolerance value of 10%. The data analysis technique used is regression analysis with the help of SPSS Statistics 26. Regression analysis results showed that the significance value of 0.000 < 0.05 and the known t value of This numera 5.103 > 1,990. Overall it can be concluded that Ho was rejected and Ha was accepted, namely ada significant influence between the issuer's financial statements on investment decision making in the Sharia Investment Gallery FEBI IAIN Palangka Raya.  Based on the value of the coefficient of determination (R Square) obtained by 0.243 which contains the understanding of the effect of free variables (independent/financial statements) on bound variables (dependents/investing decision making) is 24.3%, and the remaining 75.7% is influenced by other factors that are not contained in the researcher's research.
PENGARUH PENERAPAN GREEN ACCOUNTING DAN KINERJA LINGKUNGAN TERHADAP PROFITABILITAS PADA PERUSAHAAN PERTAMBANGAN YANG TERDAFTAR DI BURSA EFEK INDONESIA Roudhatul Amalia; Muhammad Riza Hafizi; Arif Mubarok
Accounting Journal of Ibrahimy (AJI) Vol 2 No 1 (2024): April
Publisher : Program Studi Akuntansi, Fakultas Ilmu Sosial dan Humaniora, Universitas Ibrahimy Situbondo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/aji.v2i1.4747

Abstract

This study aims to analyze the effect of green accounting and environmental performance on the profitability of mining companies listed on the Indonesia Stock Exchange. The population of this study comes from mining companies listed on the Indonesia Stock Exchange. Through the publication of the Indonesia Stock Exchange. Secondary data is taken in annual time series from 2018-2022. At least, the data that can be analyzed further is 55 data. Sample selection is done by purposive sampling method. Data analysis using panel data regression with Eviews 12. The results showed that green accounting has a positive and significant effect on profitability. While environmental performance has no effect on profitability. This study also obtained results showing that green accounting and environmental performance simultaneously have a significant effect on profitability. The R-square value is 56.2%. Therefore, profitability is influenced by green accounting and environmental performance by. While the remaining 43.8% is influenced by other variables outside this study.
The Practice Of Giving Bonus To Wadi’ah Current Accounts At Bank Sharia In Palangka Raya From A Sharia Economic Perspective Jamilah Jamilah; Enriko Tedja Sukmana; Muhammad Riza Hafizi
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v9i1.3850

Abstract

Abstrak  Produk giro Bank Syariah Mandiri Cabang Palangka Raya mengunakan akad wadi’ah. BSM memberikan keuntungan berupa bonus setiap bulannya kepada nasabah giro sebagaimana yang tertera pada laman website BSM yaitu “bonus bulanan yang diberikan sesuai dengan kebijakan”. Penelitian ini bertujuan untuk mengetahui praktik pemberian bonus pada produk giro wadi’ah di BSM Cabang Palangka Raya ditinjau dalam perspektif ekonomi Islam. Penelitian ini merupakan penelitian lapangan dengan metode kualitatif. Hasil penelitian menunjukkan bahwa praktik pemberian bonus pada produk giro wadi’ah telah sesuai dengan perspektif ekonomi Islam. Pertama, bonus tidak diperjanjikan dalam akad, Bonus diberikan tergantung keuntungan yang diperoleh bank setiap bulannya disertai kebijakan. Kedua, pernyataan pemberian bonus melalui laman website BSM merupakan salah satu bentuk promosi yang dapat dibenarkan, hanya saja jika pemberian bonus menjadi bagian dari persyaratan yang dapat mengarahkan pada riba dan akan menjadi kelaziman karena terus menerus dilakukan, maka pemberian bonus tersebut dapat menjadi kesalahan yang perlu ditelaah ulang. Kata kunci: Bonus, Giro Wadi’ah, Bank Syariah,  Ekonomi Islam Abstract The wadi'ah yad dhamanah contract that is applied to current accounts at the Palangka Raya Branch of Bank Syariah Mandiri, is basically a wadi'ah  contract, which theoretically does not allow the recipient of the deposit (bank) to declare the previous reward or benefit to the wadi'ah account holder (customer). BSM Palangka Raya Branch provides benefits in the form of bonus every month to current accounts as previously stated on the BSM website, namely "monthly bonus given in accordance with BSM policies". Bonus are given based on BSM policies. Second, the statement of giving bonus through the BSM website is a form of promotion can be justified, it's just that if bonus are part of the requirements that can lead to the practice of hidden usury and will become the norm because it is continuously being done, then giving this bonus can be a mistake which should be reviewed by BSM.
FACTORS AFFECTING THE COST OF DEBT IN CONSUMER GOODS INDUSTRY COMPANIES Putri, Danisha Yoananda; Hafizi, Muhammad Riza; Wulandari, Diah
Jurnal Valuasi: Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan Vol. 4 No. 1 (2024): Jurnal Valuasi : Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan
Publisher : LP2M Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/vls.v4i1.239

Abstract

This research aims to analyze the influence of liquidity, institutional ownership, and tax avoidance on debt costs, both partially and simultaneously. The research method used in this research is a quantitative method with a comparative causal research type. The number of samples for this research is 14 samples obtained using a purposive sampling method from 75 populations of consumer goods industrial companies listed on the Indonesia Stock Exchange (BEI) in 2017-2021. The data processing method uses multiple regression analysis with the SPSS 25 program. The research results show that liquidity has a negative and significant effect on the cost of debt, institutional ownership has a negative and significant effect on the cost of debt, and tax avoidance has a negative and significant effect on the cost of debt. Based on the F test, all independent variables, namely liquidity, institutional ownership, and tax avoidance, show a joint influence on the dependent variable, namely the cost of debt. Based on the results of the analysis, both partially and simultaneously liquidity, institutional ownership, and tax avoidance have a significant influence on the cost of debt in consumer goods industrial companies listed on the IDX in 2017-2021
Profitabilitas unit usaha syariah dipengaruhi non performing financing, financing to deposit ratio, office channeling dan inflasi Susiana, Susiana; Hafizi, Muhammad Riza; Asianingrum, Al Hujjah; Wardana, Guntur Kusuma
Jurnal Cendekia Keuangan Vol 3 No 2 (2024): October
Publisher : Universitas Islam Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32503/jck.v3i2.5197

Abstract

Unit usaha syariah atau UUS adalah unit usaha yang dibentuk oleh bank konvensional yang dalam kegiatan usahanya berdasarkan pada prinsip syariah, melalui sistem perbankan ganda (dual banking system). Ditemukan beberapa penelitian mengenai profitabilitas UUS dengan hasil yang berbeda dan periode sebelum tahun 2022. Sehingga perlu adanya pembaharuan dan keberlanjutan. Penelitian ini bertujuan untuk mengetahui pengaruh Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Office Channeling, dan inflasi terhadap profitabilitas unit usaha syariah. Metode penelitian ini adalah kuantitatif dengan jenis penelitian ex post facto. Populasi dalam penelitian ini adalah seluruh laporan keuangan unit usaha syariah yang terdaftar di Otoritas Jasa Keuangan (OJK). Sampel yang digunakan sebesar 26 data periode April 2020-Mei 2022, teknik pengambilan sampel dilakukan dengan menggunakan metode purposive sampling. Hasil penelitian menunjukkan bahwa NPF tidak berpengaruh terhadap profitabilitas unit usaha syariah. FDR tidak berpengaruh terhadap profitabilitas unit usaha syariah. Office channeling berpengaruh positif terhadap profitabilitas unit usaha syariah. Inflasi tidak berpengaruh terhadap profitabilitas unit usaha syariah. NPF, FDR, Office channeling dan inflasi secara bersama-sama berpengaruh terhadap profitabilitas unit usaha syariah.
Pengaruh good corporate governance terhadap kinerja keuangan bank syariah di Indonesia Darmawan, Mualim; Hafizi, Muhammad Riza; Geovani, Andrea
Jurnal Cendekia Keuangan Vol 3 No 1 (2024): April
Publisher : Universitas Islam Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32503/jck.v3i1.4967

Abstract

Dewan Pengawas Syariah (DPS) merupakan istilah umum yang digunakan di Indonesia untuk menyebut institusi pengawasan internal syariah di bank syariah sedangkan Komite Manajemen Risiko/Risk Management Committee (RMC) merupakan mekanisme pengawas risiko yang penting bagi Perusahaan. Penelitian ini bertujuan untuk mengetahui pengaruh Good Corporate Governance yang diukur dengan Dewan Pengawas Syariah dan Komite Manajemen Risiko terhadap kinerja keuangan bank syariah yang diukur dengan Return On Asset (ROA). Metode penelitian ini adalah kuantitatif dengan populasi yang digunakan dalam penelitian adalah perusahaan perbankan syariah dari tahun 2018 sampai tahun 2022, total sebanyak 35 sampel dan teknik pengambilan sampel dilakukan dengan menggunakan metode purposive sampling. Dari hasil penelitian menunjukkan bahwa variabel independen Dewan Pengawas Syariah tidak berpengaruh signifikan terhadap kinerja keuangan, sedangkan Komite Manajemen Risiko berpengaruh signifikan terhadap kinerja keuangan yang diukur dengan Return On Asset.
Influence Self-Service Technology Against Customer Satisfaction and Loyalty of PT. Bank Syariah Indonesia (BSI) in the City of Palangka Raya Hafizi, Muhammad Riza; Insani, Jihan Dwi; Misra, Isra
Borneo Islamic Finance and Economics Journal BIFEJ VOL. 4, NO.1, Juni 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/bifej.v4i1.8868

Abstract

Banking practitioners increasingly realize they can no longer serve customers with limited capabilities. Banking is also moving forward and collaborating to improve systems and strategies so that customers feel and prove to themselves that transactions with the help of technology make it easier. Starting from direct service carried out by employees, it becomes service independently without needing to go to the Bank first to make a transaction or something else. With the merger, the amount of capital has increased, so the use of BSI Mobile in Palangka Raya City should have developed and increased. This study aims to determine whether there is an effect of self-service technology on customer satisfaction of Indonesian Islamic banks in the city of Palangka Raya and whether there is an effect of self-service technology on customer loyalty to PT. Bank Syariah Indonesia (BSI) in the city of Palangka Raya and whether customer satisfaction affects customer loyalty. Indonesian sharia bank in the city of Palangka Raya. This study uses primary data obtained directly through a questionnaire. Taking the number of samples in this study using the purposive sampling method with the Slovin formula, and found as many as 100 respondents. This study uses quantitative analysis methods, and data is processed using SmartPLS version 4.0. This research proves that Self-Service Technology positively and significantly affects customer satisfaction by showing a coefficient value of 0.740 and a t-statistic of 9.872. Self-Service Technology has a positive and significant effect on customer loyalty, with a coefficient value of 0.341 and a t-statistic of 2.779. Moreover, customer satisfaction has a positive and significant effect on customer loyalty, with a coefficient value of 0.362 and a t-statistic of 2.910. And coefficient value Self-Service Technology on customer loyalty of 0.268 and t-statistics of 2.667. can also be interpreted as customer satisfaction as a variable intervening to play a full role.
Pengaruh Akuntabilitas dan Transparansi Terhadap Kepatuhan Muzakki dalam Membayar Zakat Profesi Safitri, Aulia Ramadhanti; Hafizi, Muhammad Riza; Himawan, Hilmi Satria; Mafrudhoh, Sokhifatul
Jurnal Bisnis Vol. 12 No. 1 (2024): Juni
Publisher : Sekolah Tinggi Ilmu Ekonomi dan Bisnis Perdana Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62739/jb.v12i1.69

Abstract

Tujuan: Tujuan penelitian ini adalah untuk menguji secara empiris pengaruh akuntabilitas dan transparansi terhadap kepatuhan muzakki dalam membayar zakat profesi dalam lingkup ASN di IAIN Palangka Raya. Metodologi/Pendekatan: Penelitian ini menggunakan metode kuantitatif dengan teknik pengambilan sampel berupa simple random sampling, melibatkan 70 responden yang merupakan ASN di IAIN Palangka Raya. Analisis data dilakukan menggunakan SPSS versi 26, mencakup analisis deskriptif, uji validitas, uji reliabilitas, uji asumsi klasik, analisis regresi linear berganda, serta uji hipotesis. Hasil: Hasil penelitian menunjukkan bahwa variabel akuntabilitas dan transparansi memiliki pengaruh positif dan signifikan terhadap kepatuhan muzakki ASN IAIN Palangka Raya dalam membayar zakat profesi. Implikasi Praktis: Penelitian ini memberikan rujukan bagi ASN dan unit pengelola zakat membuat kebijakan mengenai zakat penghasilan. Kebaruan: Penelitian ini akan berfokus pada analisis komponen yang dapat memberikan informasi dan data tentang zakat profesi di IAIN Palangka Raya.
Religious Moderates the Influence of Investment Knowledge on Interest in Investing in Green Sukuk Aulia, Deanti; Hafizi, Muhammad Riza; Mutmainah, Mutmainah; Majeed, Ali Nazar
AL-QARDH Vol 9 No 2 (2024): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

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

Abstract

Green sukuk are securities whose issuance proceeds are used to finance environmental projects (green projects). The issuance of green sukuk follows the mechanism for issuing state sukuk, as well as the contracts used in the issuance by Sharia principles. This research aims to determine public interest in investing in green sukuk to encourage sustainable development in the financial sector in Indonesia. This research involved 251 respondents from several universities in Central Kalimantan Province as research respondents. Analysis was carried out using partial least squares structural equation modeling with SEM PLS. The findings from the structural model show that the research model is structurally good because it meets all the model criteria. Overall, investment knowledge (KNE) is an important determinant that directs individual decisions to invest in environmentally friendly Sharia financial instruments. Finally, the research findings conclude that religiosity strengthens people's interest in investing in environmentally friendly Sharia financial instruments
Co-Authors Abas, Mujiburohman Abul Abdul Jamil Afani, Moh. Ahmad Hanafi Akbar, Wahyu Al Hujjah Asianingrum Alex Fahrur Riza Ali Sadikin Anggraeni, Rara Arif Mubarok Aulia, Deanti Aviva, Itsla Yunisva Ayu Indira A’ang Adi Putra Barlian, Noer Aisyah Barlian Darmawan, Mualim Deanti Aulia Diah Wulandari Dyah Sulistiyo Rimbodo Enriko Tedja Sukmana Enriko Tedja Sukmana, Enriko Tedja Fadlil Abdani Geovani, Andrea Guntur Kusuma Wardana Guntur, Guntur Kusuma Wardana Hadi, Hadi Isman Haidi Hajar Widagdo Hakim, Sofyan Halipah, Nor Hasnita Hasnita Hasnita Hasnita Himawan, Hilmi Satria Insani, Jihan Dwi Isra Misra Iyah Jalaluddin Jamilah Jamilah Jelita Jelita jelita, jelita Karina Awalia Zahra Lina Kurniawati Lusy Nur Misnaningsih M. Ihsan Nur Rasid Mafrudhoh, Sokhifatul Majeed, Ali Nazar Mariatul Jannah Misnaningsih, Lusy Nur Misra, Isra Mutmainah Mutmainah Nita Oktaviana Nur Aisah Nurmala, Putri Oktaviana, Nita Priansyah, Dodi Purwaningsih, Umi Putri Mei Ismil Kholifah Putri Nurmala Putri, Danisha Yoananda Rivaldo, Ahmad Roudhatul Amalia Safitri, Aulia Ramadhanti Safitri, Novi Angga Siara Zazkia Juliana Putri Sofyan Hakim Sofyan Hakim Sukarni Suriyani, Elma Susiana Susiana Umi Purwaningsih Wahyu Akbar Zulkifli Zulkifli