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Analisis Fiqh Terhadap Kartu Kredit Syariah Ahmad Fatoni
MUAMALATUNA Vol 14 No 1 (2022): Januari-Juni 2022
Publisher : Fakultas Syariah UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37035/mua.v14i1.6363

Abstract

Along with the development of modern finance, the need for safe and efficient means of payment has become a necessity. Credit cards are the solution to answering these needs. The scholars agreed that credit cards are forbidden in Islam because of the interest in the mechanism, so an agreement emerged to create a credit card with a mechanism that is under sharia principles. However, differences of opinion among scholars arose mainly regarding the underlying contracts and the requirements that must be met on Islamic credit cards. This study aims to find out various fiqh analyses of scholars regarding the ability of Sharia credit cards. This type of research is qualitative with the library research method. The results showed that in general, scholars allow sharia credit cards. However, there are differences regarding the taking of fees on the kafalah contract, profit from administrative costs, and ta'widh on late fees.
THE EFFECT OF HALAL AWARENESS AND FOOD INGREDIENTS ON CONSUMER INTERESTS OF CULINARY SEAFOOD BEACH TOURISM Najmudin Najmudin; Syihabudin Syihabudin; Ahmad Fatoni
ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 12, No 1 (2021)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LP2M) Universitas Islam Negeri (UIN)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1193.231 KB) | DOI: 10.32678/ijei.v12i1.273

Abstract

This study aims to determine (1). The effect of halal awareness on consumer buying interest in coastal tourism seafood culinary SMEs. (2). The influence of foodstuffs on consumer buying interest in coastal tourism seafood culinary SMEs. And (3). The influence of halal awareness and foodstuffs on consumer buying interest in coastal tourism seafood culinary SMEs. The object of this research is the culinary consumers of Seafood Kedaikita in Gope beach. The research method used is a quantitative method. The data collection method used a questionnaire. Data were analyzed using multiple linear regression method. The results of this study indicate that (1). Halal awareness affects the buying interest of consumers of beach tourism culinary SMEs. Shown by the value of t is greater than t table (6,851 1. 668) and the significance value is smaller than the alpha value (0.000 0.05) (2). Foodstuffs affect consumer buying interest in coastal tourism culinary SMEs. Shown by the value of t count greater than t table (5.784 1.668) and the significance value is smaller than the alpha value (0.000 0.05). (3). Halal awareness and food ingredients have a positive and significant effect on the purchase interest of consumers of coastal tourism culinary SMEs. Shown by the value of F count greater than F table (32,930 3.12) and the significance value is smaller than the alpha value (0.000 0.05) 0.05). (3). Halal awareness and food ingredients have a positive and significant effect on the purchase interest of consumers of coastal tourism culinary SMEs. Shown by the value of F count greater than F table (32,930 3.12) and the significance value is smaller than the alpha value (0.000 0.05) 0.05). (3). Halal awareness and foodstuffs have a positive and significant effect on the purchase interest of consumers of coastal tourism culinary SMEs. Shown by the value of F count greater than F table (32,930 3.12) and the significance value is smaller than the alpha value (0.000 0.05)
Pengaruh Kebijakan Restrukturasi Pembiayaan Terhadap Stabilitas Perbankan Syariah di Indonesia: Bukti Empiris di Tengah Pandemi Covid 19 Ahmad Fatoni
J-MAS (Jurnal Manajemen dan Sains) Vol 7, No 2 (2022): Oktober
Publisher : Universitas Batanghari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/jmas.v7i2.583

Abstract

This study aims to analyze the effect of financing restructuring policies through regulation No. 11/ POJK.03/2020 on Islamic banking stability in Indonesia. This study uses panel data from the 6 largest Islamic banking in Indonesia for the period September 2018 to December 2020. This study uses the REM model as the best estimation model. The results showed that the financing restructuring policy had a negative and significant effect on the stability of Islamic banking ini Indonesia. Meanwhile, Non-Performing Financing (NPF) and Gross Domestic Product (GDP) as control variables have a possitive significant effect on Islamic banking stability. Meanwhile, inflation has a negative and significant effect on the stability of Islamic banking. This study did not find the effect of bank size on the stability of Islamic banking in Indonesia.
Pengaruh Perubahan Iklim Terhadap Konsumsi Listrik Rumah Tangga Provinsi Banten Muhamad Fakhrudin; Ahmad Fatoni
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 4 No 1 (2022): August 2022
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v4i1.1992

Abstract

This study aims to examine the effect of climate change on household electricity consumption in Banten Province. The research uses a quantitative method of panel data from 4 districts and 4 cities in Banten Province during 2016 to 2020. Three indicators are used to see climate change, namely air temperature, solar radiation and rainfall. The results showed that partially air temperature had a significant positive effect on household electricity consumption, solar radiation had a positive effect on household electricity consumption, and rainfall had a significant positive effect on household electricity consumption. Simultaneously these three variables have an influence on household electricity consumption in Banten Province.
PENGARUH KEBIJAKAN RESTRUKTURISASI PEMBIAYAAN, UKURAN BANK, NON PERFORMING FINANCING, DAN PRODUK DOMESTIK BRUTO TERHADAP STABILITAS PERBANKAN SYARIAH DI INDONESIA: BUKTI EMPIRIS DI TENGAH PANDEMI COVID 19 Ahmad Fatoni
Jurnal Ilmiah Ekonomi Dan Bisnis Vol. 19 No. 2 (2022)
Publisher : Universitas Lancang Kuning

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31849/jieb.v19i2.7124

Abstract

Abstract: This study aims to analyze the effect of financing restructuring policies through regulation No. 11/ POJK.03/2020 on the stability of Islamic banking in Indonesia. This study uses panel data from the 6 largest Islamic banks in Indonesia for the period September 2018 to December 2020. This study uses the Random Effect Model as the best estimation model. The results showed that the financing restructuring policy had a negative and significant effect on the stability of Islamic banks. Meanwhile, Non-Performing Financing (NPF) and Gross Domestic Product (GDP) as control variables have a significant positive effect on the stability of Islamic banks. Meanwhile, inflation has a negative and significant effect on the stability of Islamic banks. This study did not find the effect of bank size on the stability of Islamic banking in Indonesia. Keywords: Islamic Banking Stability, Financing Restructuring
Analisis Faktor Yang Memengaruhi Intensi Menggunakan Fintech Syariah: Studi Empiris Generasi Milenial Tangerang Raya Elif Pardiansyah; Najmudin Najmudin; Ahmad Fatoni
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 1 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i1.603

Abstract

Indonesia has experienced a significant increase in internet penetration over the past decade. The implications of increasing internet penetration have an impact on business patterns in various industrial lines. Financial technology (fintech) is proof of the implementation of a financial system by delivering more efficient financial services. Fintech has an important role in financial intermediation and helps the daily lives of almost all people in the world. Fintech has changed the way consumers conduct financial transactions. This study aims to find out what factors underlie behavioral intentions to use sharia fintech in the millennial generation in Tangerang Raya. This study uses the technology acceptance model (TAM) and accommodates a new variable, namely religiosity. The sampling technique used purposive sampling so that a total sample of 237 respondents was obtained online using the Google form. This study was analyzed using multiple linear regression using SPSS 22 software. The results of this study indicate that the intention to use the millennial generation of sharia fintech in Tangerang Raya is influenced by the perceived usefulness factor with a P-value of 0.00 <0.05, and the Islamic religiosity variable with a P-value of 0.00 <0.05. Meanwhile, perceived ease of use does not have a significant effect on the intention to use fintech at the sig 5% level with a p-value of 0.197 > 0.05.
THE EFFECT OF FINANCING RESTRUCTURATION POLICIES ON FINANCIAL AND FINANCING STABILITY OF SHARIA BANKING IN INDONESIA Kurnia Dwi Sari Utami; Ahmad Fatoni; Elif Pardiansyah; Abdul Ghafar Ismail
Ekonomi Islam Vol. 14 No. 1 (2023): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v14i1.10737

Abstract

The purpose of this study is to analyze the effect of financing restructuring policies on the financial and credit stability of Islamic banks. The research period is from September 2018 to December 2020, using panel data from six Islamic banks in Indonesia. Based on chow, hausman, and lagrange multiplier tests, the random effect model was selected as the best estimation model. The findings show that inflation rate, bank size, and financing restructuring policy all have a negative and significant impact on financial stability. Meanwhile, GDP has a positive and significant effect on financial stability. In addition, credit stability shows that inflation and loan restructuring has a positive and significant impact on NPF.
THE EFFECT OF FINANCING RESTRUCTURATION POLICIES ON FINANCIAL AND FINANCING STABILITY OF SHARIA BANKING IN INDONESIA Kurnia Dwi Sari Utami; Ahmad Fatoni; Elif Pardiansyah; Abdul Ghafar Ismail
Ekonomi Islam Vol. 14 No. 1 (2023): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v14i1.10737

Abstract

The purpose of this study is to analyze the effect of financing restructuring policies on the financial and credit stability of Islamic banks. The research period is from September 2018 to December 2020, using panel data from six Islamic banks in Indonesia. Based on chow, hausman, and lagrange multiplier tests, the random effect model was selected as the best estimation model. The findings show that inflation rate, bank size, and financing restructuring policy all have a negative and significant impact on financial stability. Meanwhile, GDP has a positive and significant effect on financial stability. In addition, credit stability shows that inflation and loan restructuring has a positive and significant impact on NPF.
Pengaruh Inflasi dan Covid 19 terhadap Pasar Uang Antar Bank Syariah di Indonesi: Ahmad Fatoni
Reslaj : Religion Education Social Laa Roiba Journal Vol 6 No 1 (2024): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v6i1.3747

Abstract

This study aims to analyse the effect of inflation and Covid 19 on the Islamic interbank money market and prove the validity of the fisher effect theory on the Islamic interbank money market in Indonesia. This study uses secondary data, namely time series data from the Islamic interbank money market and Inflation in Indonesia during the period January 2018 to November 2022. Meanwhile, the model used in this study is the Error Correction Model (ECM). The results showed that simultaneously in the long term and short term, inflation and Covid 19 variables had a significant effect on the Islamic interbank money market in Indonesia. Meanwhile, partially in the long term, the inflation variable has a positive and significant effect on the Islamic interbank money market. Covid 19 variable has a negative and significant effect on the Islamic interbank money market. In the short term, the Covid 19 variable has a negative and significant effect on the Islamic interbank money market in Indonesia. This study proves the existence of fisher effect on the Islamic interbank money market in Indonesia. Keywords: Islamic Interbank Money Market, Fisher Effect Theory, Covid 19
Pengaruh Risiko Spesifik Bank dan Good Corporate Governance Terhadap Stabilitas Bank Pembiayaan Rakyat Syariah Muhamad Fakhrudin; Ahmad Fatoni
Journal of Trends Economics and Accounting Research Vol 4 No 1 (2023): September 2023
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jtear.v4i1.734

Abstract

This research aims to examine the influence of specific bank risks and Good Corporate Governance (GCG) on the stability of Sharia rural banks in the Province of Banten. The indicators of specific bank risks include Non-Performing Financing (NPF), Operational Cost to Operating Income (BOPO), and Capital Adequacy Ratio (CAR). Meanwhile, the indicators used to assess GCG are the size of the Sharia Supervisory Board (DPS), board of commissioners, and board of directors. This study uses panel data from 8 Sharia rural banks as research samples from June 2020 to June 2022. Based on the regression results using the selected model, which is the Common Effect Model, it was found that partially, the variables CAR, BOPO, and the board of directors have a significant influence on the stability of Sharia rural banks. Meanwhile, simultaneously, all the variables, namely NPF, CAR, BOPO, DPS, board of commissioners, and board of directors, collectively influence the stability of Sharia rural banks in the Province of Banten.