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The Implementation of Waqf Planning and Development Through Islamic Financial Institutions in Indonesia Sugianto, S; Soemitra, Andri; Yafiz, Muhammad
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 7 │ No. 1 │ 2020
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Abstract

There is assumption in the community that waqf are physically permanent, and handed over directly to Nazir, even though there are also cash waqf through Islamic financial institutions (IFI). This study aims to analyze the implementation of waqf planning by waqif, waqf development by waqf bodies and the structuring of IFI products in Indonesia related to waqf. This study used a qualitative descriptive method using an online questionnaire to waqif and in-depth interviews with waqf institutions and IFI, then analyzed descriptively qualitatively. The results showed firstly, in general waqf respondents had undertaken waqf financial planning, even though it had not been through IFI. Secondly, the development of waqf through IFI is done by Nazhir with two methods, namely initiated IFI and initiated by waqf institutions. Third, IFI structured products related to waqf consists of two models, namely not directly made specifically for waqf products and products structured specifically for waqf.
DETERMINANTS OF NON-MUSLIMS INTENTION TO HAVE ISLAMIC INSURANCE PRODUCTS Andri Soemitra; Ririn Khairiyah
International Conference on Social and Islamic Studies Proceedings of the International Conference on Social and Islamic Studies (SIS) 2021
Publisher : International Conference on Social and Islamic Studies

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Abstract

The Islamic insurance industry is developing along with the development of the Islamic finance industry. Islamic finance has universal characteristics, namely that it can not only be used by Muslims but also by non-Muslims. This study aims to examine the determinants of non-Muslim communities using sharia insurance products. This study uses quantitative research by collecting data through the distribution of questionnaires with a Likert scale to research respondents totaling 34 people. Respondents were identified as being Hindu, Buddhist, Protestant, Catholic, and Confucian. The analysis technique used in this research is Multiple Linear Regression Analysis. The results of this study clearly show that premium rates, products, and promotions partially affect the intention of non-Muslims to use Islamic insurance products. The Islamic insurance literacy variable does not partially affect the non-Muslims intention to use Islamic insurance products. Variables Rates (Premiums), Product Quality, Promotion, and understanding simultaneously influence the intention of non-Muslims to use Islamic insurance. The non-Muslims intention to have sharia Islamic can be explained by the tariff variable, product quality variable, promotion variable, and understanding of 41.4%, while the remaining 58.6% is influenced by other variables outside the variables used in this study.
ANALISIS FAKTOR-FAKTOR DETERMINAN KEENGGANAN MUZAKKI MEMBAYAR ZAKAT KE BADAN AMIL ZAKAT (Studi Kasus Baznas Kabupaten Padang Lawas Utara) Juliana Sari Harahap; Andri Soemitra; Zuhrinal M. Nawawi
Jurnal Ilmiah Ekonomi Islam Vol 8, No 1 (2022): JIEI : Vol. 8, No. 1, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i1.4533

Abstract

In general, the majority of the people of North Padang Lawas Regency (PALUTA) are Muslims with a population of approximately 269,845 people. However, according to a survey conducted, researchers found a fact that the majority of people in North Padang Lawas Regency did not even pay zakat to BAZNAS and gave zakat directly to mustahiq, not to institutions to be managed. In 2019 there was only 1 muzakki, in 2020 there were none at all and for 2021 again there was only 1 muzakki. And the survey conducted, the researchers found that the driving factors for the people of North Padang Lawas Regency were reluctant to pay zakat to the Baznas office including location factors, lack of socialization, lack of trust, and lack of knowledge. The purpose of this study was to determine the effect of location variables, lack of socialization, lack of trust, and literacy on muzakki's reluctance to pay zakat to the National Amil Zakat Agency of North Padang Lawas Regency. This research method uses a quantitative approach and uses SPSS version 20.0 program assistance. This study used a questionnaire with a sample of 100 respondents. The results showed partially that location had an effect, lack of socialization partially had an effect, lack of trust partially had an effect and literacy partially affected the reluctance of muzakki to pay zakat to the National Amil Zakat Agency, North Padang Lawas Regency. From the results of the significance test, it was found that location, lack of socialization, lack of trust, and literacy had a significant and significant effect on muzakki's reluctance to pay zakat to the National Amil Zakat Agency of North Padang Lawas Regency. Keywords: Location, lack of socialization, lack of trust, literacy, and reluctance.
Islamic Perspectitve On Money Market and The Operation of Sharia Money Market Andri Soemitra; Rifki Rifki Ismal; Yaumul Khair Afif; Anggi Pratiwi Sitorus; Julfan Saputra; Sabarudin Chaniago
Jurnal Ilmiah Ekonomi Islam Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (258.114 KB) | DOI: 10.29040/jiei.v7i3.3587

Abstract

This study focuses on the money market under sharia principles, which are financial transactions (without interest) in the short term carried out by money market participants or money market players. Due to the purchase of securities is only short term, the transaction is carried out on the basis of trust. The money market that is allowed is the money market that does not use the interest system, this is to avoid usury nasi‟ah because the loss (danger) of interest is greater than the benefit. In addition, because Islam prohibits the buying and selling of money as a commodity or speculation. The design of this research is quantitative based on published journals related to the theme in this study Islamic Perspective on Money Markets and Sharia Money Market Operations. This research method is a literature study using secondary data in the form of 20 published journals during the 2011-2021 period which have been published as scientific journals both nationally and internationally to find out Islamic views on money markets and Sharia money market operations. The results showed based on a literature study of 20 published national and international journals based on the year the majority of journals were published in 2016, there were 5 journals (25%), the majority of descriptive research types were 15 journals (75%), the majority of journal areas were from Indonesia, 12 journals (60%), and based on journal subjects, most of them are Islamic Money Market and Interbank Islamic Money Market with 6 journals each (30%).
Studi Literatur Model Penerapan Wakaf Pada Organisasi Pengelola Wakaf Di Indonesia Zainur Zainur; Andri Soemitra
Jurnal Ilmiah Ekonomi Islam Vol 8, No 1 (2022): JIEI : Vol. 8, No. 1, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i1.4614

Abstract

Wakaf yang dilaksanakan diorganisasi memilki peranan penting dalam suatu negara, untuk memobilisasi dan mendistribusikan dana public, untuk mendapatkan suatu hasil yang baik maka harus dikelola dengan baik dan model yang bervariasi dalam berbagai macam jenis wakaf yang ada diindonesia.Tujuan dari penelitian ini adalah untuk mengetahui model yang telah dilaksnakan oleh lembaga pengelola wakaf di Indonesia dan mengetahui akan kelebihan dan kekurangan model yang sudah dilaksanakan. Lembaga pengelola wakaf yang ada di Indonesia memiliki bermacam-macam model yang dapat diterapkan dengan melihat kondisi, peluang, konsumen dan program yang ditawarkan dalam organisasi tersebut, salah satu model baruan yang dapat dikembangkan di lembaga pengelola wakaf yang ada di Indonesia adalah bisnis model canvas. Metodelogi yang digunakan dalam penelitian ini adalah dengan literature review dengan menggunakan content analysis.
Analysis Of Public Perceptions Of Islamic Financial Technology Financing And Islamic Bank Financing In Indonesia Cindi Husna Pratiwi; Andri Soemitra; Muhammad Ikhsan Harahap
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.v9i1.3966

Abstract

Abstrak Tujuan penelitian ini untuk menganalisis persepsi masyarakat terhadap Fintech Peer to Peer (P2P) Islamic Lending dan pembiayaan BUS di Indonesia. Beberapa aspek yang dianalisis terkait persepsi masyarakat terhadap pembiayaan yang dilakukan pada P2P Islamic Lending dan pembiayaan antara lain: pengembangan, akad dan produk pembiayaan, mekanisme pembiayaan, serta total pembiayaan dan aset yang dimiliki. Penelitian ini menggunakan pendekatan kualitatif dengan menggunakan data primer dengan teknik insendental sampling melalui metode wawancara. Hasil penelitian menunjukkan bahwa mayoritas masyarakat yang melakukan pembiayaan baik P2P Islamic Lending maupun Bank Umum Syariah umumnya memahami bahwa pembiayaan pada Fintech Peer to Peer (P2P) Islamic Lending berbeda dengan pembiayaan yang dilakukan oleh Bank Umum Syariah. Secara persentase peningkatan perkembangan Fintech Peer to Peer Lending Syariah menunjukkan perkembangan yang signifikan, namun secara kumulatif Bank Umum Syariah memberikan kontrak, produk, mekanisme pembiayaan dan jumlah pembiayaan yang lebih variatif. Abstract The intention of this research  is to analyze public perceptions of Fintech Peer to Peer (P2P) Islamic Lending and Commercial Bank financing in Indonesia. As for some aspects that were analyzed related to public perceptions of financing conducted at Fintech P2P Islamic Lending and Commercial Bank financing in Indonesia include: development, contract and financing products, financing mechanisms, and totaly  financing and assets owned. This study uses a qualitative approach using primary data with an insendental sampling technique through the interview method. The results indicate that the majority of people who finance both P2P Islamic Lending and Commercial Banks generally understand that financing related to Fintech P2P Islamic Lending is different from financing done by Islamic Commercial Banks. In percentage the increase in the development of Fintech P2P Lending Islamic shows significant development, but cumulatively the Islamic Commercial Bank provides more varied contracts, products, financing mechanisms and greater amount of financing.
Studi Literatur Implementasi Sertifikasi Halal Produk UMKM Fuadi; Andri Soemitra; Zuhrinal M. Nawawi
Jurnal EMT KITA Vol 6 No 1 (2022): JANUARY-JUNE 2022
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v6i1.541

Abstract

This study aims to analyze the implementation of halal product guarantees on MSMEs in Indonesia. The data used in the analysis related to the research topic were taken from various literature, both from books and journal articles. Data from various sources were then analyzed using a literature review approach. Based on the analysis, it was found that the halal food sector is currently a new opportunity to increase growth and economic development. It is said to be a new opportunity because not only Muslim-majority countries but Muslim-minority countries also take part in the development of the halal industry. Therefore, the Indonesian government is also trying to develop the domestic halal food and beverage industry to encourage the growth of the halal industry. In promoting the application of halal standards where one of the things needed is halal certification, Law Number 33 of 2014 concerning Halal Product Guarantee is issued, Article 4 states that halal product certification is mandatory. The method used in this research is library research. The literature study in this research was conducted to study the definition of keywords, to deepen theories and concepts, and to identify variables related to the background and context of the research. Literature studies related to the analysis of barriers to halal product, the journal uses a search application or search application that is searched on Google Scholar with the keyword "Halal Product" the maximum number of results is 20 and the year category is all year (0-0) There are eight journal articles. The following are the details of the journal search results using the publish and perish application and the search on Emerald Publishing. Search through the publish and perish application on Google Scholar with the keywords Islamic bank product innovation: 4 papers. Emerald Publishing on Emerald Insight, with the title: Halal Certification: 6 papers.
Efektivitas Penyaluran Dana Zakat Program Pesantren Tahfidz Quran (PTQ) Pada Masa Pandemi Covid-19 di Laznas Nurul Hayat Cabang Medan Nisa Aulia; Andri Soemitra
ACTIVA: Jurnal Ekonomi Syariah Vol 4 No 2 (2021): Oktober
Publisher : LP3M STITNU Al Hikmah Mojokerto

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Abstract

Efektivitas adalah ukuran berhasil tidaknya pencapaian tujuan suatu organisasi mencapai tujuannya. Apabila suatu organisasi mencapai tujuan maka organisasi tersebut telah berjalan dengan efektif. Indikator efektivitas menggambarkan jangkauan akibat dan dampak (outcome) dari keluaran (Output) program dalam mencapai tujuan program. Semakin besar kontribusi output yang dihasilkan terhadap pencapaian tujuan atau sasaran yang ditentukan, maka semakin efektif proses kerja suatu unit organisasi. Penelitian ini bertujuan untuk mengetahui sudah efektifkah penyaluran dana zakat program Pesantren Tahfidz Quran (PTQ) di Laznas Nurul Hayat cabang Medan khususnya selama masa pandemi covid-19 yang melanda negara Indonesia sejak awal tahun 2020. Penelitian ini menggunakan penelitian kualitatif dengan pengkajian data secara deskriptif. Dalam pengumpulan data, peneliti menggunakan wawancara, observasi dan dokumentasi. Hasil penelitian ini menunjukkan bahwa penyaluran dana zakat program Pesantren Tahfidz Quran (PTQ) di Laznas Nurul Hayat cabang Medan selama masa pandemi covid-19 sudah berjalan dengan efektif walaupun terdapat beberapa hambatan yang disebebkan pandemi yang melanda negara ini.
Determinant Perception Ease of Use, Effectiveness and Risk on The Interest of Transacting Using Financial Technology (Fintech) in Medan City Community Cut Nurul A’la; Andri Soemitra; Nurbaiti Nurbaiti; Ainun Mardhiah
Journal of Management and Business Innovations Volume: 02, Number: 01, 2020
Publisher : Management Department Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (857.655 KB) | DOI: 10.30829/jombi.v2i1.9421

Abstract

This study aims to determine the effect of perceived ease of use on interest in transacting using fintech, the effect of effectiveness on interest in transactions using fintech, the effect of risk on interest in transactions using fintech, and the effect of perceived ease of use, effectiveness and risk on interest in transactions using fintech collectively. The population in this study were the people of Medan City. The data used are primary data, namely by using a questionnaire filled out by respondents with a sample of 100 people. The analysis technique used in this research is using multiple linear regression test. The results showed that simultaneously, the perceived ease of use, effectiveness and risk had a significant and positive effect on transaction interest as indicated by the value of Fcount> Ftable of (22.458> 2.70) with a significance of 0.00. Thus, it can be concluded that Ho is rejected and Ha is accepted, which means that there is a significant influence jointly on the perception of ease of use, effectiveness and risk on the interest in transacting using Fintech in the people of Medan City.Keywords: Effectiveness, fintech, perceived ease of use, risk, transaction interest
Hubungan Dinamis Antara Volume Perdagangan Saham, Nilai Tukar, Jakarta Islamic Indeks dengan Indeks LQ45 Menggunakan Vector Autoregressive (VAR) Di Bursa Efek Indonesia Periode 2017-2020 Yenni Arfah; Andri Soemitra
Reslaj : Religion Education Social Laa Roiba Journal Vol 4 No 4 (2022): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (952.094 KB) | DOI: 10.47467/reslaj.v4i4.1050

Abstract

This study aims to determine the short-term effect of the relationship between Stock Trading Volume, Exchange Rate, Jakarta Islamic Index, and LQ45 Index on the Indonesia Stock Exchange for the 2017-2020 period. The population in this study is 208 time series data by including the entire population into the sample, which is 208 time series data. VECM is one of the econometric models used in analyzing the data in this study. Based on the research the hypothesis is accepted because the variables of Jakarta Islamic Index and LQ45 stock trading volume have an effect, while other variables do not, so the hypothesis is rejected.Keywords : Stock Trading Volume, Exchange Rate, Jakarta Islamic Index, LQ45 Index, VECM
Co-Authors Abd Latip Abdi Jaya Abdillah Aswari Abdullah, Ikhsan Achmad Habib Hamsar Adila Khairani br Tambunan adlina Hasan Afifah Rahmadani Afrizal Afrizal Agiet Mutiara Rengganis Agna Sabrina Ahmad Muhajir Ainun Mardhiah Alfi Amelia Alvi Natzmi Alya Rahma Siregar Amalia, Alfi Amin Akbar Amin Al Jawi Ammy, Baihaqi Anang Andrian Anggi Pratiwi Sitorus Anggia Nurulita Anhar Ziqhri Aninda Mahfadillah Annisa Ayu Kusuma Aqwa Naser Daulay Aqwa Nasir Daulay Arbanur Rasyid Arief Arnadila Dwi Syahputri Arnida Wahyuni Lubis Asmaul Husna Asmaul Husna Asmuni Asmuni Asmuni Asmuni Asmuni Atika Ayu Andini Azhari Akmal Tarigan Azwansyah Habibie, Azwansyah Bambang Lesmono Berlian Puspita Ningrum Burhanuddin Cindi Husna Pratiwi Cut Nurul A’la Dandi Ibnu Sutowo Dharma, Budi Dini Rahmayani Dwi Kresna Riyadi Dwi Purnama Sari Elma Fadilah Fahrul Azhar Kesogihin Faisal Nasution Fathur Rahman Fauzan Fahmi Hasibuan Feby Sahira Fenni Windi Yati Fira Nafisah Fitri Fuadi Fuadi Gultom, Selfi Afriani Handana Sembiring Hayati, Fitri Hendra Hendra Herry Syahbanuddin Husni Pasarela Imsar, Imsar Indah Pratiwi Indra Prawira Iqbal Sitompul Irham Khalid Irna Permata Sari Irvan Murizal Iskandar Muda Ismail Ismail Ismail Ismail Ismul Fakhri Lubis Isnaini Harahap Jaidil Kamal Julfan Saputra Juliana Nasution Juliana Sari Harahap Julita, Julita Kamaruddin Kamaruddin Kamilah, K Kaswinata Kaswinata Khairani Andini Daulay Khairina Tambunan Laila Tiffany Hasibuan Lailan Safina Hasibuan M. Fauzan M. Ikhsan Harahap M. Indra Mulia Nasution M. Shabri Abd. Majid M.Indra Mulia Nasution Mahfuzah Dalimunthe Maisyarah Salsabilaa Marliyah Maulana M Hamzah Maya Dian Eka Sari Mhd Zulkifli Hasibuan Mhd. Chairul Abdi Muhammad Arfan Harahap Muhammad Fikri Pohan Muhammad Habrul Aji Muhammad Hakim Sitompul Muhammad Ikhsan Harahap Muhammad Raihan Kamil Muhammad Ridwan Muhammad Rizal Muhammad Yafiz Mustapa Khamal Rokan Nadhrah Adlina Ritonga Nasution, Muhammad Irwan Padli Nia Safitri Br Tarigan Nina Amanda Nindya Azzahra Nisa Aulia Nova Fitri Yasdiana Nst, Muhammad Lathief Ilhamy Nur Ahmadi Bi Rahmani Nur Ahmadi Bi Rahmani Nur Amadi Bi Rahmani Nur Jannah Al Baiti Nurbaiti, Nurbaiti Nurdiana Nurdiana Nurhajijah Nuri Aslami Nurlaila Nurul Hasanah Syah Nurul Izzah Nurul Jannah Oktavera Rizki Palti Raja Siregar Ponco Setio Wijaksono Putri Afdillah Putri Wulandini Sagala Rafi Husin Harahap Rahmad Bahagia Rahmadi Rambe Rahmat Daim Harahap Raja Sakti Putra Harahap Ramdansyah Fitrah Ridha Alhamdi Rifki Ismail Rifki Ismal Rifki Rifki Ismal Ririn Khairiyah Rizka Salsabila Rizki Kurniawan Rohaya Rudy Rifalgi Rukiah Sabarudin Chaniago Sanusi Gazali Pane Saparuddin Siregar Sartika Sartika Sheerina Said Mazruk Shifa, Mutiara Silvia Handayani Siregar Siti Aisyah Siti Hamizah Harahap Siti Mutiah Ulfha Siti Nurhalizah Lubis Sri Sudiarti Sugianto Sugianto Sugianto Sugianto Sugiyanto Sugiyanto Suharto, Tentiyo Sukiman Sukiman Syachrul Wahyudi Syilvana Dwi Novianti Syuhada Fela Yudha T. Wulan Arianti Tengku Imam Alwafi Tiara Ermelia Tuti Anggraini Vania Auziva Wahyu Syarvina Widy Hastuty HS Yaumul Khair Afif Yenni Arafah Yenni Arfah Yenni Samri Juliati Nasution YUDI SISWADI Yusrizal Yusrizal Zainur Zainur Zuhrinal M Nawawi ZULFA KHAIRINA BATUBARA Zulfan Kurniawan Zunaida Riska