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All Journal Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Journal of Sharia Economics
Ashal, Farid Fathony
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Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Public Resistance to Cryptocurrency and Its View From the Islamic Perspective Ashal, Farid Fathony
Media Syari'ah : Wahana Kajian Hukum Islam dan Pranata Sosial Vol 26, No 1 (2024)
Publisher : Sharia and Law Faculty

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jms.v26i1.22353

Abstract

Cryptocurrency appeared amid digital technology's growth tremendously, offering fast, transparent, auditable, and secure features. However, its presence and status in Islamic law are still debatable among the Community. Cryptocurrency is based on blockchain and has decentralized finance, contrary to the current conventional system, namely central banks. The purpose of this study is to see community resistance over cryptocurrencies and its views on the Islamic perspective. This study is qualitative with a phenomenology approach. Data sources were obtained through in-depth interviews and structured ones. The analysis carried out in this study used the maqashid sharia approach, fiqh rules, and ushul fiqh. The result of this study showed that the concept of decentralized finance has yet to be able to take over the role of central banks. The majority of perspectives provided by the ulama, who were consulted as primary sources in this research, maintain the belief that cryptocurrency remains an unreliable medium of exchange and a risky long-term asset.
PENGARUH PERSEPSI NASABAH DAN MINAT TERHADAP KEPUTUSAN MEMILIH TABUNGAN FIRDAUS DI BANK ACEH SYARIAH CABANG BANDA ACEH arif; Ashal, Farid Fathony; isnaliana
Journal of Sharia Economics Vol. 2 No. 2 (2021): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v2i2.1359

Abstract

Tabungan Firdaus merupakan salah satu tabungan yang ada pada Bank Aceh Syariah dengan skema Mudharabah, tabungan ini mendominasi dibandingkan tabungan lain. Penelitian ini bertujuan untuk mengetahui apakah persepsi nasabah berpengaruh terhadap keputusan nasabah memilih tabungan firdaus, dan untuk mengetahui apakah minat nasabah berpengaruh terhadap keputusan nasabah memilih tabungan firdaus. Penelitian ini menggunakan metode kuantitatif dengan menggunakan data primer (kuesioner). Metode analisis data yang digunakan adalah analisis regresi linier berganda. Teknik pengumpulan data menggunakan kuesioner dan dokumentasi dan pengujian data menggunakan uji validitas dan uji reliabilitas tingkat signifikansi 5%. Hasil penelitian ini menunjukkan bahwa persepsi secara parsial berpengaruh signifikan terhadap keputusan nasabah dalam memilih Tabungan Firdaus pada Bank Aceh. Dengan nilai thitung > ttabel sebesar 2.180 > 1.984. dan minat secara parsial juga berpengaruh signifikan terhadap keputusan nasabah dalam memilih Tabungan Firdaus pada Bank Aceh. Dengan nilai thitung > ttabel sebesar 5.933 > 1.984. Bagi bank diharapkan untuk lebih mengoptimalkan kinerja operasional dengan kemampuan dalam memberikan informasi, pelayanan dan lainnya.
PENGARUH JUMLAH PEMBIAYAAN DAN OMZET USAHA TERHADAP TINGKAT PENGEMBALIAN PEMBIAYAAN ARRUM BPKB PADA PT. PEGADAIAN SYARIAH CPS KEUTAPANG Iskandar, Evy; Ashal, Farid Fathony; Riska, Mutia
Journal of Sharia Economics Vol. 2 No. 2 (2021): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v2i2.1415

Abstract

Jumlah pembiayaan dan omzet usaha perlu diperhatikan oleh UMKM dalam pengelolan keuangannya. Penelitian bertujuan untuk mengetahui pengaruh jumlah pembiayaan dan omzet usaha terhadap tingkat pengembalian pembiayaan Arrum BPKB pada PT.Pegadaian Syariah CPS Keutapang, Aceh Besar. Penelitian ini menggunakan data sekunder dari populasi 164 nasabah per Desember 2020, kemudian ditentukan sampelnya sebanyak 62 nasabah (slovin). Analisis data menggunakan model regresi logistik yang diolah dengan SPSS-v22. Berdasarkan uji in the Equation dan Omnibus Tests Of Model Coefficients diperoleh hasil bahwa variable Jumlah Pembiayaan dan Omset Usaha secara parsial dan simultan berpengaruh signifikan terhadap tingkat pengembalian pembiayaan nasabah Arrum tersebut.
STRATEGI PENGEMBANGAN PRODUK PEMBIAYAAN MUSYARAKAH PT. BANK ACEH KEPADA PELAKU USAHA UMKM KOTA BANDA ACEH DI MASA PANDEMI nafisah, nada; Ashal, Farid Fathony; Aulia, Riza
Journal of Sharia Economics Vol. 3 No. 2 (2022): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v3i2.1886

Abstract

This study aims to determine the contribution of gampong funds in the development of BUMG Amarabu, Simeulue Cut District, Simeulue Regency and the role of BUMG in the economic development of the community in Amarabu. This study uses a qualitative approach with a descriptive type of research. Informants consisted of geuchik, village officials, community leaders, BUMG administrators and the community. Data collection techniques are interviews, observation, documentation and literature study. Based on the results of the study, it is known that the contribution of gampong funds in the development of BUMG, Simeulue Cut District, Simeulue Regency includes increasing the income of the BUMG itself through community economic efforts so that Gampong-Owned Enterprises are always active in carrying out their activities in Gampong Amarabu. The role of Gampong-Owned Enterprises in the economic development of the community in Amarabu, Simeulue Cut District, Simeulue Regency includes supporting the strengthening of community business activities in collaborating with various parties who have potential in the field of improving the Amarabu community's business. Accommodating and fostering the community in business activities so that it becomes a source of income that is able to foster motivation and innovation in the business world. Increase community economic resilience through business activities that can create jobs. Keywords: Development Strategy, Musyarakah Financing Products, Bank Aceh, MSME
HUBUNGAN ANTARA GRATITUDE DENGAN KETERIKATAN KERJA PADA KARYAWAN PT. BANK ACEH SYARIAH CABANG JANTHO: Indonesia Ghaisani, Feny; Ashal, Farid Fathony; Ridha, Ismail Rasyid
Journal of Sharia Economics Vol. 3 No. 2 (2022): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v3i2.1995

Abstract

This study was conducted to determine the relationship between gratitude and work engagement on employees of PT. Bank Aceh Syariah Jantho Branch. The study used a quantitative approach based on primary data (through a questionnaire) with a total sample of 42 employees of PT. Bank Aceh Syariah Jantho Branch with saturation sampling technique. Data analysis using Pearson Correlation test. The results showed that the relationship between the variables of gratitude and work engagement showed a positive and strong direction as seen from the correlation value of r 0.762 and there was a significant relationship between gratitude and work attachment to employees, with a significance value of p 0.00 < 0.01, the higher the gratitude possessed employees the higher their work engagement will be. Keywords: Gratitude, Work Engagement, Employees
PENGARUH KUALITAS LAYANAN MOBILE BANKING TERHADAP KEPUASAN NASABAH BANK ACEH SYARIAH DI KECAMATAN KUTA ALAM Diva, Intan; Ashal, Farid Fathony; Ridha, Ismail Rasyid
Journal of Sharia Economics Vol. 3 No. 2 (2022): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v3i2.2080

Abstract

Mobile banking services answer all the needs of customers in digital transactions, but also have problems with the lack of service features offered, so that they are not in line with customer expectations. The purpose of this study is to reveal the effect of mobile banking service quality on customer satisfaction at Bank Aceh Syariah in Kuta Alam District. This study uses a quantitative approach. The results showed that the quality of mobile banking services had a positive and significant effect on customer satisfaction, based on the coefficient of determination (R2) test, it was obtained at 0.400 which means that the variable (X) of service quality can partially explain the relationship with the customer satisfaction variable (Y) by 40% and the remaining 60%. , explained by other variables not explained in this study. Keywords: Service Quality, Customer Satisfaction, Mobile Banking
PENGARUH KETERSEDIAAN FITUR DAN PERSEPSI RISIKO TERHADAP MINAT NASABAH MENGGUNAKAN MOBILE BANKING PADA BANK SYARIAH INDONESIA KANTOR CABANG PEMBANTU ULEE KARENG Ulfanazirah; Ashal, Farid Fathony; Ridha, Ismail Rasyid
Journal of Sharia Economics Vol. 3 No. 2 (2022): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v3i2.2105

Abstract

The existence of Mobile Banking has a positive impact on the user because it drives transactions easier. This study aimed to specify the effect of feature availability and risk perception on customers' wishes to use Mobile Banking at BSI KCP Ulee Kareng. This study utilizes a quantitative research method with a purposive sampling technique in the form of distributing 65 questionnaires to the BSI KCP Ulee Kareng customers and utilizing multiple linear regression analysis techniques. The results show that the availability of features partially has an effect, while the other, risk perception, does not affect customers' wishes. However, the availability of features and risk perceptions simultaneously affect customers' wishes to use Mobile Banking. Keywords: Feature Availability, Risk Perception, and Customer Interest in Using Mobile Banking
PENGARUH LOKASI, KUALITAS PELAYANAN DAN PROSEDUR PEMBIAYAAN TERHADAP KEPUTUSAN NASABAH DALAM MENGAMBIL PEMBIAYAAN KONSUMTIF MULTIGUNA PADA BANK ACEH CAPEM KAMPUNG AIE SIMEULUE Nanik Rahayu, Yuyun; Ashal, Farid Fathony; Riza, Akmal
Journal of Sharia Economics Vol. 4 No. 1 (2023): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v4i1.2396

Abstract

Keputusan nasabah mengambil pembiayaan tentunya diawali dengan kesadaran dalam pemenuhan kebutuhan. Penelitian ini bertujuan untuk mengetahui pengaruh lokasi, kualitas pelayanan, dan prosedur pembiayaan terhadap keputusan nasabah mengambil pembiayaan konsumtif multiguna pada Bank Aceh Capem Kampung Aie. Penelitian menggunakan analisis regresi linier berganda menggunakan program SPSS. Teknik pengambilan sampel probability sampling jenis simple random sampling diperoleh jumlah sampel sebanyak 84 nasabah. Hasil penelitian secara parsial hanya lokasi yang tidak berpengaruh terhadap keputusan nasabah, sedangkan variabel kualitas pelayanan dan prosedur pembiayaan berpengaruh terhadap keputusan nasabah dalam mengambil pembiyaan. Namun secara simultan seluruh variabel bebas berpengaruh terhadap variabel terikat.
THE PROFITABILITY EFFICIENCY OF BANK SYARIAH INDONESIA : AN APPLICATION OF DATA ENVELOPMENT ANALYSIS AND HAHSLM MODEL APPROACH Mochamad Aziz, Roikhan; Rodoni, Ahmad; Ashal, Farid Fathony
Journal of Sharia Economics Vol. 4 No. 2 (2023): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v4i2.2961

Abstract

Perkembangan industri perbankan syariah telah memainkan peranan penting dalam perbankan indonesia. Beberapa penelitian mengukur tingkat pertumbuhan bank berdasarkan dari efisiensi produktifitas. Namun, mengabaikan unsur religiusitas sebagai variabel yang secara tidak langsung juga memberikan pengaruh terhadap kinerja bank. Penelitian ini akan menguraikan tingkat efisiensi dan refleksivitas bank syariah indonesia periode 2019-2021. Metode yang digunakan dalam penelitian ini menggunakan data envelopment analysis (dea) dikombinasikan dengan Hahslm;salat teori untuk mengukur tingkat efisiensi dan refleksivitas bank syariah indonesia. Hasil penelitian menunjukkan tingkat efisiensi bank syariah indonesia meningkat secara siginifikan dengan nilai 23% periode 2020-2021. Pada uji Hahslm;salat juga mengalami peningkatan 90% pada periode yang sama. Dengan demikian perhitungan kombinasi tingkat efisiensi dengan nilai bobot shalat akan membuktikan keselarasan antara nilai keagamaan dengan tingkat efisiensi kinerja pada bank. Nilai pengaruh sholat tahun 2020 sebesar 0,0008% dan pada tahun 2021 sebesar 0,207%. Berdasarkan perhitungan tersebut, dapat diketahui bahwa terjadi kenaikan drastis pada nilai pengaruh shalat dari tahun 2020 ke tahun 2021.
Public Resistance to Cryptocurrency and Its View From the Islamic Perspective Ashal, Farid Fathony
Media Syari'ah Vol 26 No 1 (2024)
Publisher : Fakultas Syariah dan Hukum Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jms.v26i1.22353

Abstract

Cryptocurrency appeared amid digital technology's growth tremendously, offering fast, transparent, auditable, and secure features. However, its presence and status in Islamic law are still debatable among the Community. Cryptocurrency is based on blockchain and has decentralized finance, contrary to the current conventional system, namely central banks. The purpose of this study is to see community resistance over cryptocurrencies and its views on the Islamic perspective. This study is qualitative with a phenomenology approach. Data sources were obtained through in-depth interviews and structured ones. The analysis carried out in this study used the maqashid sharia approach, fiqh rules, and ushul fiqh. The result of this study showed that the concept of decentralized finance has yet to be able to take over the role of central banks. The majority of perspectives provided by the ulama, who were consulted as primary sources in this research, maintain the belief that cryptocurrency remains an unreliable medium of exchange and a risky long-term asset.
Co-Authors Ahmad Rodoni Akmal Riza arif Aulia, Riza Diva, Intan Evy Iskandar Ghaisani, Feny Isnaliana Isnaliana Mochamad Aziz, Roikhan Nafisah, Nada Nanik Rahayu, Yuyun Ridha, Ismail Rasyid Riska, Mutia Ulfanazirah