Articles
Is Literacy Improving the Intention of The Younger Generation to Use Islamic Non-Bank Financial Products?
Sugianto Sugianto;
Andri Soemitra;
Sri Sudiarti;
Nur Amadi Bi Rahmani
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 10, No 2 (2022)
Publisher : Institut Agama Islam Negeri Padngsidimpuan
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DOI: 10.24952/masharif.v10i2.6519
Abstrak Industri perbankan secara historis mendominasi lembaga keuangan Islam. Bahkan, Lembaga Keuangan Non-Bank (LKNB) memberikan alternatif bagi kebutuhan keuangan masyarakat yang berbeda-beda. Bagi Lembaga Keuangan Non-Bank Syariah, generasi muda muslim merupakan target pasar yang sangat menjanjikan. Tujuan dari penelitian ini adalah untuk melihat apakah literasi dapat meningkatkan minat kaum muda Muslim untuk menggunakan produk Lembaga Keuangan Non Bank. Pada 138 remaja muslim di Sumatera Utara, penelitian ini menggunakan metode kuantitatif dengan analisis regresi linier sederhana. Temuan penelitian menunjukkan bahwa literasi berpengaruh positif dan signifikan terhadap niat generasi muda Muslim untuk menggunakan produk Lembaga Keuangan Non-Bank Syariah. Sosialisasi dan pendidikan, baik formal maupun informal, merupakan elemen penting dalam meningkatkan literasi generasi muda Muslim. ar, keuangan Islam Abstract The banking industry has historically dominated Islamic financial institutions. In fact, Non-Bank Financial Institutions (NBFIs) provide alternatives for the public's different financial needs. For Islamic Non-Bank Financial Institutions, the youthful Muslim generation is a very promising target market. The goal of this study is to see whether literacy can improve young Muslims' intention to use Non-Bank Financial Institutions' products. On 138 Muslim youngsters in North Sumatra, this study takes a quantitative method with simple linear regression analysis. The study's findings show that literacy has a positive and significant impact on the younger generation of Muslims' intentions to use Islamic Non-Bank Financial Institutions products. Socialization and education, both formal and informal, are important elements in raising the literacy of Muslims' younger generations.
Strategi Pemasaran Pada Pembiayaan Haji Di Indonesia : Studi Literatur Persepsi Mahasiswa PascaSarjana Bidang Perbankan Syariah
Anhar Ziqhri;
Andri Soemitra
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 5 No. 2 (2022): Maro: Jurnal Ekonomi Syariah dan Bisnis
Publisher : Prodi Ekonomi Syariah Universitas Majalengka
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DOI: 10.31949/maro.v5i2.2810
Ibadah haji merupakan rukun islam yang kelima masa tunggu haji yang relatif lama membuat masyarakat harus menunggu untuk berangkat haji selain itu banyak masyarakat yang menunggu mapan dan sudah tua untuk berangkat haji,padahal masyarakat dapat mendaftar haji walaupun di usia muda. Rendahnya peminat pembiayaan haji terlihat dari banyak masyarakat yang memilih tabungan haji dibandingkan pembiayaan haji padahal dengan adanya pembiayaan haji harapannya masyarakat dapat lebih mudah melaksanakan ibadah haji sejumlah penelitian mengkaji tentang strategi pemasaran produk pembiayaan haji namun sepanjang penelusuran peneliti belum ada yang mengkaji secara komprehensif bagaimana strategi pemasaran pembiayaan haji di indonesia. Desain penelitian ini kualitatif dengan studi literatur dari 10 paper yang relevan dengan pertanyaan penelitian.selanjutnya penelitian dilanjutkan dengan wawancara mahasiswa pascasarjana bidang perbankan syariah .hasil penelitian menunjukkan terdapat beberapa strategi pemasaran dalam memasarkan produk pembiayaan haji di indonesia melalui lembaga keuangan syariah seperti pegadaian syariah dan perbankan syariah.
Manhaj Fiqih Mua'malah National Sharia Board-Indonesian Council of Ulama
Irham Khalid;
Andri Soemitra
International Journal of Economics, Social Science, Entrepreneurship and Technology (IJESET) Vol. 1 No. 4 (2022): AUGUST 2022
Publisher : Pusat Riset Manajemen dan Publikasi Ilmiah Serta Pengembangan Sumber Daya Manusia Sinergi Cendikia
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DOI: 10.55983/ijeset.v1i4.214
Along with the development of the Islamic economy in today's society, the legal questions that arise regarding the sharia economy continue to grow along with the development of the Islamic banking and finance industry lately. fiqh Mu'amalah. Then MUI as an institution that has the authority to issue fatwas is very interesting to study. The fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN MUI) has become an inseparable part of the development of the Islamic finance industry in Indonesia. Many of the DSN-MUI Manhaj Fatwas use Islamic legal solutions as their basis. This research uses qualitative research and divides it into 2 themes of discussion, namely 1. The DSN-MUI Manhaj Fatwa method, 2. The role, significance and position of the DSN-MUI fatwa.
Literature study of Islamic Economics and Finance Research
Ahmad Muhajir;
Andri Soemitra
International Journal Of Humanities Education and Social Sciences (IJHESS) Vol 2 No 1 (2022): IJHESS-AUGUST 2022
Publisher : CV. AFDIFAL MAJU BERKAH
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DOI: 10.55227/ijhess.v2i1.210
This study tries to look at research related to Islamic economics and finance in scientific journals. The study used descriptive statistical analysis based on 100 published articles related to Islamic economics and finance in national and international journals. The entire sample journal publication has been published over the past 5 years from 2017 to 2021. The results showed that Islamic Economic and financial research is still dominated by the theme of Hajj (20%). Waqf (18%) followed by Islamic banks (15%), zakat ( 15%), Islamic capital market (12%) Islamic accounting (10%) and Islamic insurance (10%). In addition, the comparison between qualitative research and combined methods is still much less than with quantitative approaches.
FILANTROPI ISLAM DALAM PENGENTASAN KEMISKINAN
Fitri Hayati;
Andri Soemitra
E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Vol 23, No 2 (2022): Volume 23 No.2 Oktober 2022
Publisher : Faculty of Economics and Business, Universitas Malikussaleh
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DOI: 10.29103/e-mabis.v23i2.866
Filantropi merupakan salah satu unsur dalam ajaran agama yang memperhatikan masalah duniawi terutama masalah kemiskinan. Penelitian ini bertujuan untuk menjelaskan literatur-literatur yang telah ada dan menyajikan filantropi islam dalam upaya mengentaskan kemiskanan. Pendekatan penelitian ini yaitu kualitatif analisis konten dengan jenis studi literatur. Penelitian ini menggunakan data sekunder seperti artikel, hasil penelitian, dan buku referensi. Hasil penelitian menemukan bahwa penelitian terkait filantropi islam dalam pengentaskan kemiskinan mulai tahun 2021 sampai dengan 2022 hanya ditemukan sebanyak 11 artikel. Dalam instrument filantropi Islam terdapat pilar-pilar sebagai penunjang sebuah perekomian, yaitu zakat, infak, sedekah dan wakaf (ZISWAF). Ada dua konsep ekonomi yang utama yaitu konsumtif dan produktif. Kemudian, diperlukannya sosialisai skema pengelolaan filantropi Islam kepada masyarakat bahwa pengelolaan ZISWAF tidak hanya berkutat pada ibadah yang bersifat formal, namun juga bisa dimanfaatkan untuk segala aktifitas yang bersifat kebaikan bersama (ibadah yang bersifat sosial), salah satunya adalah pengentasan kemiskinan.
Pengaruh Kualitas Pelayanan Frontliner Terhadap Kepuasan Nasabah
Iqbal Sitompul;
Andri Soemitra
Cakrawala Repositori IMWI Vol. 5 No. 2 (2022): Cakrawala Repositori IMWI
Publisher : Institut Manajemen Wiyata Indonesia
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DOI: 10.52851/cakrawala.v5i2.107
Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh kualitas pelayanan frontliner terhadap kepuasan nasabah pada PT. Pegadaian (Persero) UPC Pancing-Medan. Data yang digunakan adalah data primer dan pendekatan kuantitatif. Ada 100 orang karyawan UPC Pancing yang berpartisipasi dalam penelitian ini Penelitian ini menggunakan analisis regresi linear berganda sebagai teknik analisisnya. Kualitas pelayanan (X) sebagai variable independent mencakup bukti langsung, keandalan, daya tanggap, jaminan dan empati dan kepuasan nasabah sebagai variable terikat. Menurut penelitian ini secara simultan kualitas pelayanan (X) yang terdiri dari bukti langsung, keandalan, daya tanggap, jaminan dan empati mempunyai pengaruh terhadap kepuasan secara positif dan signifikan. Hasil penelitian secara parsial menunjukkan bahwa keandalan berpengaruh signifikan terhadap kepuasan, jaminan berpengaruh signifikan terhadap kepuasan, dan empati berpengaruh signifikan kepuasan.
Transmission of Sharia Monetary Policy in Improving Sharia Banking Performance (Literature Study)
Ikhsan Abdullah;
Arnida Wahyuni Lubis;
Rifki Ismail;
Andri Soemitra
International Journal Of Economics Social And Technology Vol. 1 No. 4 (2022): 2022, December
Publisher : Lembaga Riset Ilmiah
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DOI: 10.59086/ijest.v1i4.225
Indonesia's economic condition is currently experiencing a downturn, even though its current growth has increased by 5 percent from before. This will be the impact of Covid 19 that hit the country. This impact has had an impact on the decline of banking in the country, especially Islamic banking since 2020. When compared to the profits obtained since 2019. This study aims to see the performance of Islamic banking when viewed from the current monetary policy. This study uses a qualitative method. Documentation technique for analyzing documents related to Islamic Banking performance. The data used in the analysis includes Islamic Banking Accounting books, research articles, and so on. Based on the results of research conducted that the performance of Islamic banking in the country can survive and experience a very satisfying increase, it can be seen that the increase is happening every year. In semester I/2021, the profit earned was IDR 1.48 trillion, an increase of 34.29%. In 2022 the profit earned is IDR 3.21 trillion, an increase of 42%. From the results of these observations, the current monetary policy carried out by BSI can improve the financial performance of Islamic banking, even though our economic growth is currently experiencing an economic crisis.
DETERMINAN MINAT GENERASI Z MEMBELI SUKUK RITEL DENGAN MEDIA SOSIAL SEBAGAI VARIABEL MODERATING
Nurul Izzah;
Andri Soemitra;
Zuhrinal M Nawawi
Mumtaz: Jurnal Ekonomi dan Bisnis Islam Vol. 2 No. 1 (2023): Januari 2023
Publisher : Ali Institute of Research and Publication
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DOI: 10.55537/mumtaz.v2i1.444
The purpose of this study is to examine the determinants of Generation Z's interest in buying retail Sukuk with social media as a moderating variable. This paper uses data obtained from a structured questionnaire. Then test the hypotheses developed to answer research questions. The survey was conducted on 260 Generation Z samples in Padangsidimpuan City and analyzed using SEM-PLS. The results showed that yield, financial literacy, and social media significantly affected the purchase intention of Generation Z retail Sukuk. However, social media did not significantly moderate the relationship between return, financial risk, and financial literacy in increasing interest in buying retail Sukuk. buy retail bonds. buy retail bonds. Generation Z Sukuk. To increase Generation Z's interest in buying retail Sukuk, financial sector authorities need to improve education and outreach regarding retail Sukuk through social media platforms. As far as the authors know, there has been no research that focuses explicitly on social media in moderating the variables that influence the purchase intention of Generation Z Retail Sukuk. Keywords: Retail Sukuk, Interest, Social Media, Moderation
Pengukuran Kinerja Islami Badan Amil Zakat Nasional (BAZNAS) Provinsi Sumut Dengan Menggunakan Pendekatan Maslahah Performa (MaP)
Nuri Aslami;
Andri Soemitra;
Zuhrinal M Nawawi
Mumtaz: Jurnal Ekonomi dan Bisnis Islam Vol. 2 No. 1 (2023): Januari 2023
Publisher : Ali Institute of Research and Publication
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DOI: 10.55537/mumtaz.v2i1.535
Kehadiran BAZNAS dalam mengelola zakat harus didasari dengan ketercapaian kemaslahatan bagi umat. Dalam hal ini perlu adanya pengukuran kinerja yang berlandaskan maslahah. Penelitian ini bertujuan untuk mendapatkan model pengukuran kinerja islami pada Baznas Sumut dengan pendekatan Maslahah Performa (MaP), menganalisis peta penelitian terkait kinerja islami pada Baznas Sumut dengan pendekatan Maslahah Performa (MaP) secara kualitatif deskriptif dalam lima tahun terakhir, serta menganalisis respons akademisi Ekonomi Islam terhadap model pengukuran kinerja islami pada Baznas Sumut dengan pendekatan Maslahah Performa (MaP). Dengan menggunakan penelitian kualitatif dengan konten analisis dan focus discussion group oleh ahli ekonomi, jumlah artikel yang digunakan sebanyak 15 artikel yang terbit dari tahun 2018 sampai 2022. Hasil penelitian ini menemukan bahwa pengukuran kinerja islami pada Baznas Sumut dengan pendekatan MaP dikembangkan dalam perspektif islam dengan 7 orientasi, yaitu : orientasi ibadah, orientasi proses internal, orientasi pembelajaran, orientasi bakat, orientasi pelanggan, orientasi harta kekayaan dan orientasi lingkungan.
FAKTOR - FAKTOR YANG MEMPENGARUHI PENGHIMPUNAN DEPOSITO MUDHARABAH PADA PERBANKAN SYARIAH DI INDONESIA
Mutiara Shifa;
Andri Soemitra;
Sugiyanto Sugiyanto
Jurnal Indonesia Sosial Sains Vol. 3 No. 02 (2022): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia
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DOI: 10.59141/jiss.v3i02.521
The purpose of this study is to identify and analyze the factors that influence the accumulation of deposits in Mudharabah, an Islamic bank in Indonesia. The independent variables in this study are interest rate (X1), inflation (X2) and savings (X3), and the dependent variable is Mudarabah deposits. This study adopts quantitative research method. Quantitative research is research that uses data in numerical form. The results of the study show that interest rates have no significant effect on the mudharabah deposit component of Islamic commercial banks in Indonesia. This means that there is no influence between the interest rate variable (X1) on Mudharabah Deposits, Inflation has a partially significant effect on mudharabah deposits at Islamic Commercial Banks in Indonesia. This means that the Inflation variable (X2) has a significant effect on Mudharabah Deposits, Financing To Deposit Ratio (FDR) has a partially significant effect on mudharabah deposits at Islamic Commercial Banks in Indonesia. This means that the effect of the FDR variable (X3) on Mudharabah Deposits, Interest Rates, Inflation, and FDR simultaneously (simultaneously) has a significant effect on Mudharabah Deposits at Islamic Commercial Banks in Indonesia