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All Journal Journal Ilmiah Rinjani : Media Informasi Ilmiah Universitas Gunung Rinjani Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Assoeltan: Indonesian Journal of Community Research and Engagement
Fachrozi
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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DETERMINAN PEMBIAYAAN YANG DIBERIKAN (STUDI PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2018-2020) Herawati Khotmi; Muhammad Wahyullah; Fachrozi
Journal Ilmiah Rinjani : Media Informasi Ilmiah Universitas Gunung Rinjani Vol. 9 No. 2 (2021): Journal Ilmiah Rinjani: Media Informasi Ilmiah Universitas Gunung Rinjani
Publisher : LPPM Universitas Gunung Rinjani

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

Abstract

This study aims to analyze the effect of Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Third Party Funds (TPF), Asset Growth on Financing Provided (PYD).  The update in this study is the Asset Growth variable which is thought to have a close relationship with PYD. This study is a quantitative research with SPSS statistical test.The sample of this study are the Islamic banks in Indonesia, which were taken based on the number of provinces in Indonesia which is 33 (thirty three) provinces throughout 2018-2020. The source of data used in this study is from the secondary data taken from the website www.ojk.go.id. The data analysis used in this study is from conducting the classical assumptions test then followed by multiple regression which are the determination test  and T test. While the results of the t test showed that TPF had a positive and significant effect on PYD, while FDR had no effect on PYD. The same as Asset Growth no effect on PYD. Also NPF had a negative and significant effect on PYD. The coefficient of determination test results show the Adjusted R Square value of 0.173, this indicates that only 17.3% of the PYD financing variables are influenced by NPF, PYD, and FDR while the remaining 82.7% is influenced by other factors Keywords: NPF; TPF; FDR; PYD; Asset Growth; ABSTRAK Tujuan penelitian  untuk menguji pengaruh Financing to Deposit Ratio (FDR), Dana Pihak Ketiga (DPK), Non Performing Financing (NPF), Pertumbuhan Aset terhadap Pembiayaan Yang Diberikan (PYD). Perbaharuan dalam penelitian ini yaitu variabel Pertumbuhan Aset yang diduga memiliki kaitan yang erat terhadap PYD. Jenis penelitian kuantitatif dengan uji statistik SPSS. Sampel penelitian  yaitu bank syariah yang ada di Indonesia diambil berdasarkan jumlah provinsi sebanyak 33 (tiga puluh tiga) provinsi periode 2018 - 2020. Data yang digunakan bersumber dari data sekunder yang diperoleh dari situs www.ojk.go.id. Analisis data yang digunakan yaitu dengan melakukan uji asumsi klasik kemudian dilanjutkan dengan regresi berganda yaitu uji determinasi dan Uji t.  Sedangkan hasil uji t menunjukkan DPK berpengaruh positif dan signifikan terhadap PYD, FDR tidak berpengaruh terhadap PYD, Pertumbuhan asset tidak berpengaruh terhadap PYD dan NPF berpengaruh negatif dan signifikan terhadap PYD. Hasil uji koefisien determinasi menunjukkan nilai Adjusted R Square 0,173,  hal ini menunjukkan bahwa hanya 17,3% variabel pembiayaan PYD  dipengaruhi oleh NPF, DPK, dan FDR sedangkan sisanya 82,7% dipengaruhi oleh faktor lain. Kata kunci : NPF; DPK; FDR; PYD; Pertumbuhan Aset;
Pelatihan Pengelolaan Sampah Rumah Tangga yang Bernilai Ekonomi di Desa Gelogor Lombok Barat Herawati Khotmi; Fachrozi; Zulkarnaen; Yusi Faizathul Octavia; I Made Murjana
Assoeltan: Indonesian Journal of Community Research and Engagement Vol. 1 No. 4 (2023): Indonesian Journal of Community Research and Engagement
Publisher : Edujavare Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70610/assoeltan.v1i4.137

Abstract

There are many types of waste, including organic or household waste, plastic waste, and paper waste. Sometimes, even rarely among us, we can manage waste that has economic value. Analysis of the problem situation faced by Gelogor Village, namely that there is no orderly sorting of organic, paper, and plastic waste, they do not understand waste management procedures, the products made still need to have a brand, and difficulties in marketing the products. The aim of this service is to provide training related to waste management that can have economic value in Gelogor Village. The Participatory Action Research (PAR) method was implemented and implemented in three stages: planning, implementation, assessment, and monitoring. The method used is to conduct a field survey first, followed by coordinating the implementation of the service, distributing invitations to the community, preparing a schedule of service activities, and the core activity, namely conducting training. The results of this service research are that Gelogor residents are very enthusiastic about waste management, this can be seen from the various questions asked by the Gelogor Village community. There is great hope for the role of village officials to provide support related to waste management, such as the trash basket in each local resident's house consisting of three trash cans.
Unveiling the Interplay of Sharia Investment Product Knowledge, Religiosity, and Financial Literacy as a Moderator of University Student’s Investment Decisions Fachrozi; Kukuh Tondoyekti; Mariana; Herawati Khotmi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 7 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i7.2887

Abstract

Sharia investment products is considered a key determinant in shaping University Student’s Investment Decisions among Muslim investors. A comprehensive understanding of the concepts, types, and characteristics of Sharia-compliant investments can significantly influence an individual's propensity to invest in accordance with Islamic principles. The purpose of this study aims to investigating the impact of Sharia investment product knowledge and religiosity on university students' Investment Decisions, with financial literacy serving as a moderator. The present study will employ a quantitative approach using a survey method. The data collection process will involve administering the questionnaire to the purposively selected sample Students, either through an online survey or in-person distribution on campus. The hypothesis is tested using version 3.37 of the Smart PLS program. The results showed that the Product Knowledge and Religiosity variables did not affect Investment Decisions. Meanwhile, Financial Literacy affects Investment Decisions. Financial Literacy is a moderating variable that only moderates the effect of Religiosity on Investment Decisions. As for the impact of Product Knowledge on Investment Decisions, it cannot moderate the effect of Religiosity on Investment Decisions.
Pengetahuan Produk Investasi Syariah dan Literasi Keuangan terhadap Keputusan Investasi yang dimoderasi oleh Religiusitas: Studi pada Mahasiswa Perguruan Tinggi Islam dan Perguruan Tinggi Umum Yudhi Kurniawan Zahari; Fachrozi; Kukuh Tondoyekti
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 1 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i1.5013

Abstract

The decision to invest in sharia among students of Islamic Religious Universities (PTAI) or public universities (PTU) can be influenced by several factors. A comprehensive understanding of Sharia-compliant investments' concepts, types, and characteristics can significantly influence an individual's propensity to invest according to Islamic principles. This study aims to investigate the impact of Sharia investment product knowledge and financial literacy on PTAI and PTU students' investment decisions, with religiosity as a moderator. This study will use a quantitative approach using the survey method. The data collection process will involve administering questionnaires to a purposively selected sample of students through an online survey or direct distribution on campus. The hypotheses were tested using the Smart PLS version 4.1 program. The results showed that Product Knowledge and Financial Literacy variables affect the Investment Decisions of PTAI students. While Religiosity only moderates the effect of Product Knowledge on the Investment Decisions of PTAI Students, Product Knowledge and Financial Literacy do not affect the Investment Decisions of PTU Students. Religiosity cannot moderate Product Knowledge and Financial Literacy on Investment Decisions of PTU Students.
Ekonomi Hijau dan Bisnis Syariah: Mempromosikan Bisnis yang Berkelanjutan dan Bertanggung Jawab Fachrozi; Mariana; Kukuh Tondoyekti
Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (Jebma) Vol. 4 No. 2 (2024): Artikel Periode Juli 2024
Publisher : Yayasan Cita Cendikiawan Al Kharizmi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/jebma.v4i2.4071

Abstract

Ekonomi hijau dan bisnis syariah merupakan dua konsep yang semakin mendapat perhatian dalam upaya mendorong bisnis yang berkelanjutan dan bertanggung jawab. Artikel ini bertujuan untuk mengeksplorasi hubungan antara ekonomi hijau dan bisnis syariah, serta potensi penerapannya dalam praktik bisnis. Metode yang digunakan adalah studi literatur yang mengulas berbagai referensi ilmiah bereputasi dalam sepuluh tahun terakhir. Hasil penelitian menunjukkan bahwa ekonomi hijau dan bisnis syariah memiliki keselarasan prinsip dalam mendorong bisnis yang ramah lingkungan dan beretika serta berkontribusi positif bagi masyarakat. Integrasi kedua konsep ini dapat menciptakan model bisnis yang komprehensif dan holistik. Namun, implementasinya masih menghadapi berbagai tantangan, seperti kurangnya kesadaran, regulasi yang belum optimal, dan sumber daya yang terbatas. Sinergi dari berbagai pemangku kepentingan sangat diperlukan untuk mengoptimalkan penerapan ekonomi hijau dan bisnis syariah dalam praktik bisnis yang berkelanjutan dan bertanggung jawab.
Co-Authors Aminy, Muhammad Muhajir Athar Shahbaz Wani I Made Murjana Khotmi, Herawati Kukuh Tondoyekti Mariana Muhammad Wahyullah Riduan Mas’ud Yudhi Kurniawan Zahari Yusi Faizathul Octavia Zulkarnaen