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Comparison Analysis of Non Performing Loans and Performing Financing ( Case Study of BRI and Bank Muamalat ) Ary Dean Amri; Alifah ,; Annisa .; Hayatun Nisaa; Helmalia Putri Tsalsabina
JOURNAL OF SHARIA ECONOMICS Vol. 5 No. 1 (2023): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v5i1.549

Abstract

The global financial crisis that occurred several years ago has had a significant impact on the banking sector worldwide. One indicator that is often used to measure the financial health of a bank is the level of Non-Performing Loans (NPL) and Non-Performing Financing (NPF). NPL refers to credit that is not paid by the borrower within a certain period of time, while NPF refers to non-current financing in the context of Islamic banking. The purpose of this research is to analyze the comparison of NPL and NPF at Bank Muamalat and Bank BRI. The method used in this study is a quantitative approach by collecting secondary data from the annual financial statements of the banks concerned. The data collected includes NPL and NPF levels during the study period. The results of the analysis show that there are significant differences in the levels of NPL and NPF between Bank Muamalat and Bank BRI. Bank Muamalat has higher NPL and NPF levels compared to Bank BRI. Factors that can affect the NPL and NPF levels between the two banks include credit policies, borrower profiles, and recovery measures taken by the banks.
Risk Analysis Of The Use Of Transactions Digital Cryptocurrency As Investment In Prespective Islam On Gen Z In Central Sumatra Ary Dean Amri; Jaka Saputra; Ilham Hanafi; Mela Yolanda; Harpeni .; Saputri .
JOURNAL OF SHARIA ECONOMICS Vol. 5 No. 1 (2023): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v5i1.557

Abstract

This study aims to understand the views of Generation Z regarding risk of trust and security of the digital capital market on the island of Sumatra, as well see investment market capital IDX in perspective economy Islam. Method the research used is quantitative research using data primary from completed questionnaire tested for validity and reliability, as well data secondary from various related print and electronic media. Data analysis was performed with simple regression test and multiple regression test using SPSS. Results testing shows that the factor of safety (X2), which involves a factor social, culture, marketing, And election investment sharia, more dominant compared to factor trust (X1), like factor personal, psychology, And economic factor. However, neither trust (X1) nor security (X2) have positive and significant influence on the risk of stock (Y) Generation Z on the Island Sumatra. In order to increase the understanding and prudence of Generation Z in investing digitally, it is important for them to understand the legal aspects and logical (2L) as well as aspect returns (yield results) And risk (risk) (2R) before use application investment. With notice management risk, Generation Z can choose good investments and fulfill financial obligations period front they. Study This give outlook about perception Generation Z towards digital capital markets and deep Islamic economic perspectives investment IDX capital market in Sumatra island.
Management Analysis of Village-Owned Enterprises (Bumdes) in Sharia Business Management (Case Study at BUMDes Mandiri Jaya Pemusiran Village, Mandiangin District) Sari Asih; Rafiqi .; Ary Dean Amri
JOURNAL OF SHARIA ECONOMICS Vol. 5 No. 2 (2023): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v5i2.661

Abstract

BUMDes is a village-owned business institution controlled by the community or village government to strengthen the village economy and shape the capabilities of a village based on the needs and potential of the community and village. The establishment of BUMDes is a manifestation of productive village economic management which includes planning, organizing, directing and supervision. This research aims to determine the management of BUMDes in Sharia business management. The research method used in this research is qualitative research with a descriptive approach. Data sources obtained through observation and interviews. The results of this research show that BUMDes Mandiri Jaya, Pemusiran Village, Mandiangin District, which started operating in 2017 in Pemusiran Village, has been running in accordance with the objectives of establishing BUMDes. However, there are still obstacles in managing BUMDes, such as limited types of businesses being run, limited human resources managing BUMDes and low community participation due to their low level of knowledge.
Analisis Penyaluran Dana Zakat Terhadap Kesejahteraan Mustahik Menggunakan Metode CIBEST (Center For Islamic Business And Economuc Studies) (Studi kasus BAZNAS Kota Jambi) Zalfa Rianda; Nurida Isnaeni; Ary Dean Amri
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 1 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i1.782

Abstract

This study aims to analyze the distribution of zakat funds through the Jambi City Care program for business capital assistance and business equipment with a focus on knowing changes in the level of income welfare and the level of spiritual welfare of mustahik before and after receiving productive zakat assistance, through the CIBEST (Center For Islamic Business and Economis Studies) approach. This research uses descriptive quantitative methods, the type of data used in this research is primary data obtained through interviews and distributing questionnaires and secondary data in the form of data on mustahiks who receive productive zakat assistance from BAZNAS Jambi City. Respondents in this study amounted to 20 mustahik households. The analysis method used in this research is the CIBEST model and the Wilcoxon Difference Test. The results of this study indicate that there are significant changes before and after receiving productive zakat funds from BAZNAS Jambi City. Based on the calculation of the CIBEST index value in 20 mustahik households before the productive zakat fund assistance, it shows that 30% of mustahik households live in prosperous conditions, 65% are in meteriil poverty, 5% spiritual poverty and 0% absolute poverty. While after receiving productive zakat assistance shows that 100% of mustahik households live in a prosperous condition, 0% in meteriil poverty, 0% spiritual poverty, 0% absolute poverty.
Analisis Pembiayaan Bermasalah Bank Wakaf Mikro Pada Pelaku Usaha Mikro Kecil (UMK) di BWM Pondok Pesantren As’ad Seberang Kota Jambi Diah Fardila; Rafiqi .; Ary Dean Amri
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 1 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i1.793

Abstract

This research aims to find out the causes of problematic financing at Micro Waqf Banks, to find out the impact of problematic financing at Micro Waqf Banks and to understand the handling of BWM settlements for problematic financing at As'ad Islamic Boarding School Micro Waqf Banks. The research method used is qualitative. The data sources used in this research are primary and secondary. The data collection techniques used in this research are observation and interviews. The results of this research show that (1) The causes of Problematic Financing in Micro Waqf Banks are intentional elements such as the poor character of customers who deliberately do not want to pay installments and unintentional elements such as a decline in economic conditions and disasters occurring. (2) The impact of problematic financing on Micro Waqf Banks, namely decreasing BWM income, the impact of a bad image not only impacting the intra-institution but later external parties will also have a negative view of the Institution. employee time and energy spent going directly to the customer's location. (3) Handling the BWM Settlement for Problematic Financing of the As'ad Islamic Boarding School Micro Waqf Bank, namely by having a jointly responsible group, visiting the customer's residence (silaturrahmi) and providing an extension of time to the customer.
Analisis Strategi Penghimpunan Dana ZIS Pada Program Peduli Pendidikan di DT Peduli Jambi Ary Dean Amri; Dinda Angelina Ismanto; Annisa Annisa; Noviya Rita; Rizki Anggraini
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 1 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i1.798

Abstract

The aim of this research is to determine the funding strategy implemented by ZIS for the education program at DT Peduli Jambi. The collection of ZIS funds in education programs can help achieve an education system in society, especially for underprivileged children. Of course, there are conditions that must be met to receive this education program. After that, DT Care Jambi will follow up for a survey. The research method used is a qualitative approach. DT Peduli Jambi aims to allocate ZIS funds effectively, such as distributing them to parties who need them and allocating them to existing programs at DT Peduli Jambi.
Analisis Pengaruh Manfaat Dan Keamanan Terhadap Penggunaan Uang Elektronik (Dana) Sebagai Alat Transaksi Pembayaran Dalam Perspektif Ekonomi Islam (Studi Kasus Mahasiswa Ekonomi Islam Angkatan 2019-2021) Sonia Juatri; Ridhwan Ridhwan; Ary Dean Amri
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 1 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i1.799

Abstract

This research is entitled Analysis of the Influence of Benefits and Security on the Use of Electronic Money (Funds) as a Payment Transaction Tool in an Islamic Economic Perspective. This research aims to determine the influence of benefits and security on the use of electronic money (funds) as a means of payment transactions from an Islamic economic perspective. The research method used is quantitative descriptive, with primary data sources. The population used was 314 students from the 2019-2021 Islamic Economics Study Program, Faculty of Economics and Business, Jambi University, and the sample for this research was 76 students taken using proportionate stratifield random sampling. The data analysis techniques used are Partial T test, Simultaneous F test, coefficient of determination, and continued with multiple linear regression analysis. The results of this research show that the Benefit variable has no partial effect and the Security variable has a partial effect on the use of electronic money (DANA) as a means of payment transactions from an Islamic economic perspective. Meanwhile, simultaneously the Benefit and Security variables influence the use of electronic money (DANA) as a means of payment transactions from an Islamic economic perspective.
Analisis Pengaruh Motivasi Terhadap Minat Mahasiswa Menjadi Wirausaha Shilvi Eka Safitri; Ary Dean Amri; Massita Massita; Ananta Apriyani Portuna; Rahayu Julia Ningsih; Windi Juni Lestari
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 2 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i2.951

Abstract

This research aims to analyze the influence of motivation on students' interest in becoming young entrepreneurs at Jambi University. Motivation is an important factor that can influence a person's interest in becoming an entrepreneur. This research uses a quantitative approach by collecting data through questionnaires distributed to students at Jambi University. The results of the analysis show that motivation has a significant influence on students' interest in becoming young entrepreneurs at Jambi University. Students who have high motivation tend to have a greater interest in becoming young entrepreneurs. Motivation can come from various factors, such as intrinsic and extrinsic encouragement, the desire to be independent, self-confident, and clear life goals. This research makes an important contribution in understanding the factors that influence students' interest in becoming young entrepreneurs. The results of this research can be used as a reference for universities in increasing student motivation to become young entrepreneurs through relevant and effective approaches. Apart from that, this research can also be a reference for students who are interested in becoming young entrepreneurs to understand the factors that can support success in entrepreneurship.
Pengaruh Minat Dan Tingkat Harga Terhadap Preferensi Masyarakat Muslim Yang Akan Menggunakan Akad Murabahah Pada KPR Bank Syariah Di Kota Jambi Natasha Aurora Geraldine; Paulina Lubis; Ary Dean Amri
JOURNAL OF SHARIA ECONOMICS Vol 7 No 1 (2025): Jounal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i1.1037

Abstract

This study aims to determine the description of interest, price level, and preference of Muslim community using murabahah contract on KPR Bank Syariah in Jambi City, analyze the influence of interest, price level on the preference of Muslim community using murabahah contract on KPR Bank Syariah in Jambi City partially, and analyze the influence of interest and price level on the preference of Muslim community using murabahah contract on KPR Bank Syariah in Jambi City simultaneously. The population in this study was 412,850 residents of Jambi City who are Muslim and are included in the productive age category. The analysis method in this study is quantitative data analysis technique. The results of the research that has been conducted: 1) Public interest in Murabahah contract in KPR Bank Syariah is moderate. This shows that people are starting to realize the importance of sharia-based financing, but have not fully made it their main choice. 2) Price level has a significant influence on public preference in choosing Murabahah contract. 3) Interest does not have a significant effect on preference. 4) Interest and price level influence the preference of Muslim community to use murabahah contract on KPR Bank Syariah in Jambi City simultaneously.
Pengaruh Prinsip Ekonomi Islam terhadap Keputusan Trading Cryptocurrency Oleh Traders Muslim Dalam Komunitas New Crypto Jambi Dan Exness Trading Di Kota Jambi Fikry Ramadhani Hasan; Lucky Enggrani Fitri; Ary Dean Amri
JOURNAL OF SHARIA ECONOMICS Vol 7 No 1 (2025): Jounal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i1.1112

Abstract

This study aims to analyze the influence of Islamic economic principles on the cryptocurrency trading decisions of Muslim traders in the New Crypto Jambi and Exness Trading communities in Jambi City. The research findings show that the understanding of Islamic economic principles among Muslim traders is still low, both in the novice community (New Crypto Jambi) and the experienced community (Exness Trading). The majority of traders focus more on financial profit without considering the Islamic aspects in their trading decisions. The Exness Trading community tends to be more cautious in selecting trading instruments, although they are still uncertain about the legality of their activities. Meanwhile, traders in the New Crypto Jambi community tend to overlook the consideration of Islamic law in their trading activities and only become aware of Islamic principles after experiencing losses. Additionally, most traders do not understand the elements of gharar, maysir, and riba in cryptocurrency and have not made efforts to seek legal clarification through fatwas from scholars or Shariah financial institutions. In conclusion, the influence of Islamic economic principles on trading decisions is still very minimal due to the lack of Islamic economic literacy, limited education, and the weak role of communities in disseminating Sharia principles. This study recommends increasing Islamic economic literacy through collaboration with Shariah economic experts, as well as organizing regular discussions in trading communities on halal-haram principles in cryptocurrency trading. Further research with direct observation and in-depth interviews is recommended to explore the influence of religiosity perceptions on trading decisions.
Co-Authors , Ridhwan Ade Melda Adila, Nurul Adinda Putri Agustina Adinda Putri Agustina Aditya Pratama Aditya Pratama Afriyanti, Suviya Aini, Mahsuri Akbar samudra Al-Hafiz, Rafiq Alda Mariatul Kiptiah Alfan Septiardo Ilham Ali, Faradiba Ranida Alifah , Allif Al Fattahillah Amanda Syafitri Amri Amir Ananta Apriyani Portuna Anasrul, Anasrul Andika Afrilia Setiawan Andini Destri Aulia Anggraini, Putri Anggraini, Rizki Anggreyni, Rizky Anggun isnaini Anisa Putri Marpaung Anitha Octaviani Anitha Octaviani Annisa . Annisa Annisa An’am, Muhtarul Apriyanti, Sari Aprizal, Yusuf Zaini Ardian Nasution Arfah Arfah, Arfah Arnes Sopia Asraf Mustafa Asroful Anam Astuti, Mery Auwalu Shuaibu Muhammad Avia Salsabillah Azzril Arya Hidayat Benny Zulfikar Budi Ardianto Chealsy Amanda Darminto, Citra Dea Anjelinah Devi Andriani Devitasari, Andrisa Diah Fardila Dian mala Fithriani Aira Dinda Angelina Ismanto Dinda Angelina Ismanto Dinni Afrisca Sari Duwi Puspita Dwi Kurniawan, Dwi Eka Rizki Elvini, Nosil Enggrani Fitri, Lucky Evalina Alissa dan Arrie Budhiartie Fadhlidzil Ikram Fadila, Putri Fery Adriansyah Fidyah Safitri Fikry Ramadhani Hasan Firdaus, Rahmat Firdaus Fithriani Aira, Dian Mala Fitriani . Hadiah Tri Marlia Putri Hairunisa, Rizkiyah Hani Rahmi Humaira Harpeni . Hasyim, Nasywaa Hayatun Nisaa Helmalia Putri Tsalsabina Hesti Imraatun Nadziroh Hilman Yusra Ika Nur Aini Ilham Bagus Kurniawan Ilham Hanafi Inggriani Powa, Natasya Isnaini, Anggun Ita Fitriana Jaka Saputra Jevy Rahmand Junaldi Junaldi Khairurroziqin, Khairurroziqin khoiri fazira Kurniawan, Zidane Febri Lubis, Paulina LUBIS, PAULINA Lucky Enggrani Fitri Lucky Enggrani Fitri Luqyana Putri, Jihan M. Aldira Dwi Septiawan Maharani Putri Manna Sari Mona Liza Massita Massita Mastur, Agus Kurniawan Meilin Haziah Mela Yolanda Mia Awdina Mila Sukmawati Moch. Ichsan Al-Ubaidah Mohan Tridipa Syamta Muhammad Ibnu. S Muhammad Imam Ghazali Muliya, Risma Munthe, Ondang Sri Helena Mutiah Mutiara Hasanah Anjaya Mutmainah Mutmainah Nadhilah Putri Riani Natasha Aurora Geraldine Natasya Inggriani Powa Naufal Alfarizi HSB Naufal Alfarizie HSB Neni Yuana Ningrum, Prima Indah Novi Nur Kholifah Novita Sari Novita Zana Novita, Elma Noviva Rita Noviya Rita Noviya Rita Nur Fitria Syawaliyah Hasfiyani Nurdinia, Rahma Nurida Isnaeni Nurita Nurita Nurita Nurita Nurrahma, Azizah Nurul Adila Pandu Syahrez Alkautsar Paulina Lubis Paulina Lubis Pratiwi, Heni Putti Sherna Qitfira, Msy Azizul Qorry Ambiya Raden Aqsal Safatullah Rafiqi Rafiqi Rafiqi . Rafiqi Rafiqi Rahayu Julia Ningsih Rahma, Azizah Nur Rahmah, Tira Nur Ramadhani Surya, Natasya Rasyidi, Muhammad Hannan Raudhatul Jannah, Dhivani Ridhwan Ridhwan, Ridhwan Riki Saputra, Riki Risky Febri Pratama Ristania, Resa Ayu Rizki Anggraini Rizki Anggraini Rizki Thoyyibah, Rahmah Rizky Anggreyni Roihan, Muhammad Rosnaida Rosnaida Safatullah, Raden Aqsal Saputra, Rivo Saputri . Sari Asih Sekar Adinda Putri serli asmara Shilvi Eka Safitri Siagian, Panji Sigit Indrawijaya Sisilia Putri Ningsi Sitanggang, Yunita Friska Sonia Juatri Soraya, Osa Surya Prastio Susanti, Pramika Syahira oksaniska Syahrul Gunawan Syahrul Gunawan Syarifah Rizki Amanda Syindi Putriana Dwi Febri Rohma Syukri Amri, Adi Ihsan Umu Farikhatus Sa’bandiyah vita indira sari WAHYUDI, Wahyudi - Widiastuti, Fitri Widya Sari Wendry Wilda Anjelisvintya Munawaroh Windi Juni Lestari Yanta, Yoga Okta Yolanda, Mela Yulia Juwita Yuliani Dwi Fauzianto Zahra Muflihah Zahran, Muhammad Wahyu zakia marlina, rts Zalfa Rianda Zami Aprizal, Yusuf Zikrina, Azra Zulaika, Intan Zulgani Zulgani Zulgani Zulgani