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Analisis Kinerja Keuangan Bank BNI Dan Bank Muamalat Sebelum Dan Selama Pandemi Covid-19 Virna, Marlinda Intan; Maulana, Zefri; Tajul ‘Ula, Tajul; Andrini, Rozi
JAAMTER : Jurnal Audit Akuntansi Manajemen Terintegrasi Vol. 2 No. 2 (2024): JAAMTER - JUNI
Publisher : MUI Kota Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.12607904

Abstract

The coronavirus pandemic means the banking sector cannot freely distribute credit. This is due to the increasing risk of failure to pay creditors because the majority of people, both individuals and companies, tend to experience a decrease in income during the Corona virus pandemic. This research aims to compare differences in the performance developments of Bank BNI and Bank Muamalat in several months in the period before and during the Covid-19 pandemic. This research is quantitative research. The population and sample in this research are Bank Muamalat and Bank BNI which have annual financial reports and quarterly reports that have been officially published and the samples used are 26 samples in the 2017-2023 period. The data collection technique used is secondary data. The data analysis technique used is a parametric test, non-parametric analysis. The research results show that in terms of financial performance ratios ROA, LDR and BOPO, BNI bank has superior performance compared to Muamalat bank both before and during Covid-19. Different from the CAR ratio, Bank Muamalat has sufficient capital to accommodate the risk of loss better than Bank BNI. Furthermore, regarding the NPL ratio, both before and during Covid-19, Muamalat Bank had a higher risk of credit problems compared to BNI Bank.
Generation Z and Halal Travel: How Digital Promotion and Service Quality Influence Interest Syamsurizal, Syamsurizal; Andrini, Rozi; Rismawati, Viona
Likuid Jurnal Ekonomi Industri Halal Vol 4, No 2 (2024): LIKUID: Jurnal Ekonomi Industri Halal
Publisher : Sharia Economics Study Program Faculty of Islamic Economics and Business UIN Sunan Gunun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/likuid.v4i2.35352

Abstract

One of the industries that has the potential to expand in Indonesia in recent years is halal tourism. Therefore, tourist destination managers must improve management, including digital promotions and services. Especially for Generation Z who are the largest number of tourists on halal tourism. The study aims how digital promotion and service quality influence interest of Gen Z. Quantitative approach with multiple linear regression analysis is the method used in this study. Digital promotion and service quality influenced the interest of Gen Z tourists to travel for halal tourims. Another finding is that digital promotion and service quality of Tan Kayo Sharia Eco Park are in accordance with Islamic principles and Minang culture, which is very strong with Islamic nuances. This research should be a reference for decision-making on digital promotion and services of halal tourist destinations, which will encourage the improvement of local to national sharia economies.
Peningkatan Literasi Manajemen BUMDes dan Keuangan Keluarga Harmonis Andrini, Rozi; Lubis, Haniah; Munir, Alchudri
Jurnal Pengabdian Masyarakat Isei Vol. 2 No. 1 (2024): Jurnal Pengabdian Masyarakat Isei
Publisher : ISEI Cabang Pekanbaru, Koordinator Provinsi Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46750/abdimasisei.v2i1.242

Abstract

Hampir setiap keluarga pernah mengalami permasalahan ekonomi yang berkaitan dengan keuangan keluarga. Keberadaan Badan Usaha Milik Desa (BUMDes) menjadi penunjang dalam perekonomian keluarga anggota BUMDes maupun masyarakat sekitar. Sehingga perlu untuk meningkatkan literasi manajemen BUMDes dan keuangan keluarga harmonis. Kegiatan pengabdian masyarakat ini bertujuan untuk meningkatkan literasi menajemen BUMDes dan keuangan keluarga Harmonis di BUMDes Taiba Smart Kec. Tarai Bangun Kabupaten Kampar. Metode pengabdian ini dilakukan dengan analisis situasi, kemudian tim pengabdian menentukan metode pemecahan masalah yaitu memberikan pemahaman terkait manajemen BUMDes dan literasi keuangan keluarga harmonis. Khalayak sasaran dalam pengabdian ini adalah pengelola, anggota BUMDes dan masyarakat Desa Tarai Bangun. Hasil pengabdian ini yaitu meningkatnya literasi pengelola dan anggota BUMDes Taiba Smart dalam manajemen BUMDes dan keuangan keluarga harmonis. Hal tersebut dibuktikan dengan diresmikannya incubator keuangan syariah sebagai bentuk penyediaan wadah untuk konsultasi pengembangan BUMDes terutama di sector investasi keuangan syariah. Hasil kegiatan pengabdian ini dapat menjadi rekomendasi bagi BUMDes Taiba Smart untuk lebih meningkatkan pemahaman dan pengelolaan terait manajemen BUMDes dan keuangan keluarga harmonis melalui investasi keuangan syariah.
PENERAPAN SERTIFIKASI HALAL UNTUK MAKANAN RUMAHAN DI ROKAN HULU RIAU Rosadi, Syukri; Andrini, Rozi; Resti, Okfi
Islamic Banking & Economic Law Studies (I-BEST) Vol. 2 No. 2 (2023): ISLAMIC BANKING & ECONOMIC LAW STUDIES (I-BEST)
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36769/ibest.v2i2.434

Abstract

The purpose of this research is to describe how important the awareness of entrepreneurs is about the halal insurance system in the domestic food industry. that domestic foods with halal certification and containing halal brands offer positive values ​​that can expand the market, increase turnover, flexibility and business development in Rokan Hulu Riau. This research is a qualitative study with descriptive data collection techniques using observation, interviews and documentation techniques. Researchers use data reduction, data collection, presentation, and inference to analyze data. The results of this study show that the importance of entrepreneurs' awareness of halal assurance system of the domestic food industry, awareness of halal certification significantly affects consumers' purchase interest in Rokan Hulu Riau. The Halal label provides clearer information about the product and successfully improves the quality of the product. Halal-certified Rokan Hulu Regency home food store operators experience a positive effect: first, they can more easily market their products without suspicion. Second, it can convince buyers or consumers that the products produced and sold are halal products and are suitable for consumption even for a long time. Third, continuous turnover growth, which can support entrepreneurship and business development.
System of Supervision and Control of Syariah Banking Susanti, Elsa; Andrini, Rozi; Fathoni, M. Israr
International Journal of Information System and Innovation Management (IJISIM) Vol. 2 No. 2 (2024): International Journal of Information System and Innovation Management
Publisher : Yayasan Pendidikan Islam Al-Matani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/ijisim.v2i2.1126

Abstract

In Indonesia, the supervision and management of Islamic banking is very important to ensure that the activities of Islamic banks comply with relevant laws. DPS should strictly supervise Islamic banking products given the expansion of this sector and the services offered. DPS is in charge of assessing compliance with sharia law. In addition, effective risk management is key in withstanding challenges and mitigating compliance, liquidity, and credit risks. This system aims to increase public trust in banking, in addition to protecting sharia consumers as a sustainable and ethical financial alternative. Thus, good supervision is expected to encourage stable growth in Indonesia's Islamic banking industry. This study aims to investigate the supervision and management structure of Islamic banking in Indonesia.
PENGARUH PENGEMBANGAN WISATA HALAL DAN TERHADAP MINAT WISATAWAN BERKUNJUNG KE DUMAI ECOPARK DALAM PERSPEKTIF EKONOMI ISLAM Adawiyah, Robiyatul; Syahpawi, Syahpawi; Andrini, Rozi
JURNAL ECONOMICA: Media Komunikasi ISEI Riau Vol. 12 No. 2 (2024)
Publisher : Ikatan Sarjana Ekonomi Indonesia Cabang Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46750/economica.v12i2.307

Abstract

Wisata halal telah menjadi tren signifikan dalam industri pariwisata global sejak diperkenalkan oleh Organisasi Pariwisata Dunia (UNWTO) pada konferensi tahun 1967 di Cordoba, Spanyol. Indonesia, sebagai negara dengan populasi Muslim terbesar di dunia, memiliki potensi besar untuk mengembangkan pariwisata halal. Penelitian ini bertujuan menganalisis pengaruh pengembangan wisata halal dan promosi terhadap minat wisatawan berkunjung ke Dumai Ecopark dalam perspektif ekonomi Islam. Metode penelitian menggunakan pendekatan kuantitatif dengan analisis regresi, berdasarkan data primer dari kuesioner dan wawancara. Hasil penelitian menunjukkan bahwa secara parsial, pengembangan wisata halal berpengaruh positif dan signifikan dengan T hitung 9.580 lebih besar dari T tabel 1.660, dan promosi memiliki pengaruh positif signifikan T hitung 14.514 lebih besar dari T tabel 1.660 . Secara simultan, kedua faktor ini memberikan kontribusi sebesar 71,1% terhadap minat wisatawan, dengan nilai Fhitung 104,349 lebih besar dari Ftabel 3.09. Meskipun Dumai Ecopark telah menyediakan fasilitas halal seperti mushola dan makanan bersertifikat halal, masih diperlukan peningkatan fasilitas dan strategi promosi yang lebih optimal untuk menjangkau audiens yang lebih luas. Penelitian ini memberikan rekomendasi strategis bagi pengelola Dumai Ecopark dan pemerintah dalam mendukung pengembangan sektor pariwisata halal yang berkelanjutan dan inklusif Kata Kunci : Pengembangan, Wisata Halal, Dumai Ecopark
Analisis Pengaruh Kebijakan Pemerintah dalam Pengembangan Perbankan Syariah di Indonesia Amalia, Fitri; Andrini, Rozi
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 2, No 5 (2024): December
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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

Abstract

This study aims to analyze the effect of government policies on the development of Islamic banking in Indonesia. As a country with the largest Muslim population in the world, Indonesia has great potential in developing Islamic banking in accordance with sharia principles. However, structural and regulatory challanges often become obstacles in optimizing this sector. This research uses a qualitative method with a descriptive analysis approach, which involves analyzing the policies issued of this study show that from the financial services authority (OJK), have had a positive impact on the growth of Islamic banking. However, there are some challenges, such as inadequate infrastructure and fierce competition with conventional banking, which hinder further development. The findings highlight the importance of the government’s commitment in strengthening regulations and support for the Islamic banking industry in order to compete in the domestic and international markets.
Kegiatan Usaha Bank Syariah dan Perbedaannya Dengan Konvensional Kartika, Meri; Andrini, Rozi
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 2, No 5 (2024): December
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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

Abstract

Islamic banks play a strategic role in providing financial services that comply with Islamic principles. Their business activities include mobilizing and channeling funds through various contracts, as well as developing innovative financial products. The primary difference between Islamic and conventional banks lies in the underlying principles of their operations. While conventional banks focus on financial returns, Islamic banks emphasize justice, sustainability, and social responsibility. The business activities of Islamic banks aim not only to generate profit but also to contribute to sustainable economic development. By providing inclusive financial access, Islamic banks play a crucial role in empowering communities, particularly in the micro, small, and medium enterprises (MSMEs) sector. This research aims to explore the role of Islamic banks in the Indonesian economy and their comparison with conventional banks.
Kekuatan dan Kelemahan Sistem Pengawasan dan Pengendalian Perbankan Syariah di Indonesia Alhalimi, Kamila; Andrini, Rozi
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 2, No 5 (2024): December
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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

Abstract

Islamic banking in Indonesia has experienced significant growth over the past two decades, contributing to the national financial system. This study aims to analyze the strengths and weaknesses of the supervisory and control system for Islamic banking in Indonesia. The methodology employed in this research is a qualitative approach with descriptive analysis, including literature studies and interviews with experts in the field of Islamic banking. The results indicate that although the regulatory framework for Islamic banking in Indonesia has developed well, challenges in human resource development, technological infrastructure, and regulatory harmonization persist. Efforts are needed to enhance the competencies of Islamic banking supervisors and integrate technology to address challenges in the current digital era. This research provides recommendations for improving the effectiveness of supervision and control of Islamic banking in Indonesia to contribute more significantly to national economic stability and growth.
Profit-sharing mudharabah transaction in chicken farming businesses: Exploring the benefits and challenges in sharia village owned enterprises-RIAU Rosadi, Syukri; Andrini, Rozi
AL-Muqayyad Vol. 7 No. 2 (2024): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v7i2.2375

Abstract

The implementation of Mudharabah for chicken farming businesses in Sharia Village-Owned Enterprises (BUMDes Syariah) faces quite big challenges related to understanding concepts and business risk management. The aim is to identify the benefits and challenges of implementing Mudarabah. The method used was a case study approach involving five administrators as informants using qualitative descriptive analysis techniques. The results show that although the implementation of Mudharabah profit sharing has had a positive impact on increasing capital and chicken farming business performance, there are several obstacles such as a lack of understanding of the Mudharabah concept and weak risk management. So intensive training and assistance is needed from sharia financial institutions regarding the proper implementation of Mudharabah. This research has implications for the development of Islamic economic theory and provides practical guidance for managers in optimizing the implementation of Mudharabah. This research underlines the need for more in-depth education and training as well as government policy support for the successful implementation of Mudharabah in the livestock sector and other small and medium enterprises.