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Fintech Supporting Sharia Rural Bank Nasfi, Nasfi; Yunimar, Yunimar; Prawira, Adi; Aziz , Zakaria; Lutri , Ahmad
Journal of Industrial Engineering & Management Research Vol. 3 No. 1 (2022): February 2022
Publisher : AGUSPATI Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (219.5 KB) | DOI: 10.7777/jiemar.v3i1.247

Abstract

The purpose of this study is to see how much influence fintech has on the operational development of Sharia Rural Bank or BPRS in an area, in West Sumatra. Fintech is an innovation in the field of financial services or banking financial institution services, one of which is to support financial inclusion programs. The development of digital financial technology, including in the Islamic financial services industry, undeniably affects financial mechanisms in operational activities, especially in financing products. Fintech is a potential economic force to be developed in the territory of the Unitary State of the Republic of Indonesia which consists of thousands of islands. With the development of technology, especially fintech, Sharia Rural Bank or BPRS must follow or adjust financing services to debtors and prospective debtors by adopting fintech in operational activities. Technological developments that require BPRS to follow and adjust services to debtors (mudharib) so that BPRS can grow and develop.
Transformasi Koperasi Simpan Pinjam (KSP) Menjadi Koperasi Simpan Pinjam Prinsip Syariah Yunimar; Adi Prawira; Nasfi; Zakaria Aziz; Ahmad Lutri
Jurnal Pengabdian Masyarakat Akademisi Vol. 1 No. 2 (2022)
Publisher : Jurnal Pengabdian Masyarakat Akademisi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (265.385 KB) | DOI: 10.54099/jpma.v1i2.115

Abstract

Abstract The purpose of this activity is to assist each Cooperative that has been appointed by the Padang Panjang Koperindag Service in solving administrative problems, stabilizing the AD/ART of Sharia Cooperatives to Compiling Financial Reports for Sharia Cooperatives. The method used is the root cause method, using awareness, capacity building and empowerment strategies. As a result of this cooperative assistance, all cooperatives that have been assisted are all ready and willing to seriously convert their cooperatives into sharia cooperatives. So there are about 6 (six) cooperatives that are sharia legal and apply sharia principles from a total of 42 (forty two) cooperatives that are assisted and there are 36 (thirty six) cooperatives that are legally not Sharia cooperatives.
Peranan Zakat dalam Kegiatan Ekonomi adi prawira; rus laini
Mu'amalatuna: Jurnal Ekonomi Syariah Vol 2, No 1 (2019): Mu'amalatuna: Jurnal Ekonomi Syariah
Publisher : Universitas Muhammadiyah Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36269/muamalatuna.v2i1.91

Abstract

Islam mengatur tatan hidup dengan sempurna, tidak hanya mengatur masalah ibadah seseorang kepada Tuhanya, tetapi juga mengatur masalah muamalah yaitu hubungan sesama manusia, hubungan manusia dengan mahluk lain dan dengan alam sekitarnya, seperti sosial budaya, pertanian, teknologi, tidak terkecuali di bidang ekonomi. Islam memandang penting persoalan ekonomi, hal ini di karenakan ekonomi merupakan bagian dari kehidupan manusia yang tidak dapat di pisahkan. Setiap manusia mempunyai kebutuhan pokok, yaitu sandang, pangan dan papan. Semua kebutuhan tersebut tidak dapat di peroleh secara gratis tetapi harus di usahakan dengan benar dan sah. Zakat sebagai rukun Islam merupakan kewajiban setiap muslim yang mampu untuk membayarnya dan di peruntukkan bagi mereka yang berhak menerimanya. Dengan pengelolaan yang baik zakat merupakan sumber dana potensial yang dapat di manfaatkan untuk memajukan kesejahteraan umum bagi seluruh masyarakat. Tujuan penelitian ini untuk mengetahui pengeruh zakat terhadap kegiatan ekonomi. Metode yang digunakan adalah menggunakan jenis penelitian literatur (library research) dengan pendekatan teoritis.Hasil penelitian ini adalah bahwa adanya peranan zakat terhadap produksi, peranan zakat terhadap konsumsi, dan peranan zakat terhadap Distribusi. sehingga zakat dapat memberdayakan ekonomi umat.Kata kunci : zakat, produksi, konsumsi, distribusi
Conversion of Conventional Cooperatives to Sharia Affected by Cooperative Skills, Discipline and Work Environment Nasfi, Nasfi; Prawira, Adi; Yunimar; Lutfi, Ahmad; Aziz, Zakaria
Adpebi International Journal of Multidisciplinary Sciences Vol. 1 No. 1 (2022)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/aijms.v1i1.242

Abstract

This study aims to determine the conversion conventional cooperatives into sharia cooperatives are influenced by skills, discipline and cooperative environment. About 10 cooperatives as well as research samples with 3 respondents per cooperative, so that a total of 30 respondents. Quantitative research method with 30 respondents managing cooperatives (chairman, secretary and treasurer), from 10 cooperatives requested by the Department of Industry and Trade and SMEs of Solok City. The sampling technique used was non-probability sampling with saturated samples or the census method. Collecting data in this study by distributing questionnaires to all respondents. The analytical method used in this study uses multiple linear regression analysis with the help of the SPSS program. Found there is an influence between the variables of management skills, management work discipline, and cooperative work environment simultaneously on the work productivity of managers. Sharia management skills, sharia work discipline and cooperative environment in Solok City have a positive and significant effect on the work productivity.
EVALUASI EFISIENSI OPERASIONAL BANK PADA BANK CENTRAL ASIA SYARIAH DAN BANK MUAMALAT INDONESIA Prawira, Adi; Anwar, Nasfi
Krigan: Journal of Management and Sharia Business Vol. 2 No. 1 (2024): Juni 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/krigan.v2i1.8725

Abstract

Dalam Penelitian ini untuk melakukan evaluasi efisiensi operasional pada bank BCA Syariah dan Bank Muamalat Indoneisa berapa persenkah tingkat efesiensi pada masing masing bank tersebut pada rasio ROA, ROE, NOM dan BOPO. Metodologi penelitian ini menggunakan deskriptif kuantitatif Pendekatan ini berfokus pada pengukuran yang objektif, hubungan antar variabel, serta pengujian hipotesis dengan tujuan menggeneralisasi temuan pada populasi yang lebih luas. Data yang diambil berupa data laporan Rasio keuangan dari tahun 2018 sampai dengan tahun 2023 pada bank BCA Syariah dan Bank Muamalat Indoneisa. Hasil pembahasan ROA BCA relatif stabil dan cenderung lebih tinggi, antara 0,87% hingga 1,59%, menunjukkan performa aset yang lebih baik dibandingkan BMI. Pada 2022, ROA BCA meningkat dari 0,91% di kuartal pertama menjadi 1,20% di kuartal ketiga dan 1,33% di kuartal keempat. ROE BCA jauh lebih tinggi, berkisar antara 2,3% hingga 5,34% sepanjang periode tersebut, menunjukkan pengembalian yang lebih baik untuk pemegang saham. NOM BCA jauh lebih tinggi dibandingkan BMI, menunjukkan margin keuntungan yang lebih baik. NOM BCA mengalami fluktuasi, tetapi tetap pada tingkat yang jauh lebih sehat dibandingkan BMI. BOPO BCA berada pada tingkat yang lebih rendah, umumnya di bawah 90%. Hal ini menunjukkan bahwa BCA lebih efisien dalam mengelola biaya operasionalnya dibandingkan BMI. Secara keseluruhan, BMI menunjukkan tingkat efisiensi yang rendah berdasarkan keempat rasio ini, dengan BOPO yang tinggi, ROA dan ROE yang rendah, serta NOM yang kecil. Sebaliknya, BCA memiliki rasio efisiensi yang lebih baik, ditandai dengan BOPO yang lebih rendah dan rasio profitabilitas yang lebih tinggi (ROA, ROE, dan NOM).
Indonesia's Socio-Economic Paradox: Generosity and Poverty Prawira, Adi; Ruslaini, Ruslaini; Fuaddi, Husni; Nasfi, Nasfi
UKAZ: International Journal of Islamic Studies Vol. 2 No. 1 (2025): May
Publisher : Sekolah Tinggi Agama Islam Solok Nan Indah

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

Abstract

Indonesia, renowned for its strong philanthropic culture rooted in traditions like gotong royong and Islamic giving (zakat), paradoxically faces persistent poverty affecting over 60% of its population. This study explores the complex interplay between generosity and economic disparity in Indonesia by reviewing literature on financial inclusion, digital inequality, and poverty alleviation strategies. Despite notable economic growth and extensive charitable activities, structural issues such as unequal access to education, healthcare, and financial services particularly in rural areas continue to hinder inclusive development. The research highlights the limitations of traditional charity in addressing long-term poverty and underscores the importance of integrated approaches that combine government policy, technological advancement, financial literacy, and community empowerment. Strengthening digital infrastructure, expanding access to financial services, and supporting small and medium enterprises are identified as crucial pathways toward reducing inequality. The study concludes that aligning Indonesia’s philanthropic spirit with inclusive development strategies is essential to achieving sustainable poverty alleviation and economic resilience.