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All Journal EKONOMIS : Journal of Economics and Business Neraca Keuangan : Jurnal Ilmiah Akuntansi dan Keuangan Journal of Indonesian Management Journal of Student Development Informatics Management (JoSDIM) IIJSE
Utami, Rizky Ananda
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Kesesuaian Produk Sumut Mobile Dengan Prinsip Syariah (Studi Kasus Bank Sumut Syariah KCP Marelan Raya) Utami, Rizky Ananda; Juliati, Yenni Samri
Journal of Student Development Informatics Management (JoSDIM) Vol 4, No 1: JoSDIM | Januari 2024
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/josdim.v4i1.5357

Abstract

In the era of technological advancement, Islamic banking has adapted by introducing technology-based services, particularly through mobile banking. Bank Sumut Syariah, as an Islamic financial institution, also offers mobile banking services to enhance customer access and convenience in transactions. However, the importance of aligning mobile banking products with Sharia principles is a primary concern, given the foundation of Islamic banking on principles of justice, sustainability, and adherence to Islamic teachings. This research aims to identify and evaluate the profit-sharing mechanisms within Bank Sumut Syariah's mobile banking and analyze its impact on business sustainability and customer satisfaction. The research was conducted at Bank Sumut Syariah's Branch Office in Marelan Raya on November 1, 2023, utilizing a descriptive qualitative research method. Data collection methods involved observing Sumut Mobile products at Bank Sumut, particularly at Bank Sumut Syariah's Branch Office in Marelan Raya, and conducting interviews with a supervisor at the branch office. The findings revealed that Bank Sumut Syariah remains part of the conventional Bank Sumut, hence its Sumut Mobile product still operates within a conventional system. Currently, there is no separate Sharia-compliant product within Bank Sumut Syariah's mobile banking as it remains integrated with the conventional system. Nonetheless, it's crucial to ensure that every feature and transaction within Bank Sumut Syariah's mobile banking aligns with Sharia principles, encompassing cost structures, profit-sharing mechanisms, and other provisions to avoid conflicting with Sharia values. Business sustainability and customer satisfaction are key considerations in developing Sharia-compliant mobile banking products. Further studies on implementing Sharia products within Bank Sumut Syariah's mobile banking are essential to offer alternatives that align with Sharia values for customers. This research emphasizes the necessity of implementing Sharia-compliant mobile banking products to meet the demands of justice, sustainability, and compliance with Islamic teachings in modern Islamic banking activities.
Pemikiran Ekonomi Islam Pada Masa Imam Al Ghazali (405-505H) Utami, Rizky Ananda; Arif, Muhammad
Journal of Student Development Informatics Management (JoSDIM) Vol 4, No 1: JoSDIM | Januari 2024
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/josdim.v4i1.5356

Abstract

The extensive and profound thoughts of Imam Al-Ghazali in the realms of Islamic spirituality and philosophy have enriched the understanding of various facets of life, including economic principles. This research aims to explore the foundations of Islamic economic thought according to Imam Al-Ghazali in his monumental works. The study focuses on analyzing economic concepts reflected in Al-Ghazali's works, such as "Ihya Ulumuddin" and "Al-Mustasfa." The analytical method employed involves a qualitative approach, conducting an in-depth examination of Al-Ghazali's classical texts relevant to economics, emphasizing aspects of justice, business ethics, zakat, and perspectives on greed in an economic context. The research methodology utilizes a literature review approach, where information is gathered from books and writings by the respective researcher. The findings highlight Al-Ghazali's contributions to Islamic economic thought, emphasizing the importance of justice, transparency, and ethics in economic activities. The implications of Al-Ghazali's thoughts in shaping a fair, responsible, and blessed economic foundation take center stage in this study. These findings contribute to a deeper understanding of Islamic economic principles and the values advocated by this eminent figure within the economic context of his time.
Analysis of the Conformity of Mudharabah Contracts in Suka-Suka Savings Products at Bank Mega Syariah KCP Medan Katamso Utami, Rizky Ananda; Rokan , Mustopa Khamal
Journal of Indonesian Management Vol. 2 No. 1 (2022): March
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/jim.v2i1.455

Abstract

Sharia banking is currently on the rise and has become a reference for the public to invest their funds for various needs. For this reason, various Islamic banking products must be able to be understood by the public, one of which is the application of mudharabah contracts on savings products. This article discusses the analysis of the suitability of the Mudharabah Agreement in the Suka-Suka Savings Products at Bank Mega Syariah KCP Medan Katamso. This article uses qualitative research with data collection through direct interviews with stakeholders at Bank Mega Syariah KCP Medan Katamso. The results of this study are the application of the contract used in the Suka-suka Savings is the mudharabah muthlaqah contract, which is a form of cooperation between the shahibul maal (the owner of the funds) namely the customer and the mudharib (the fund manager) namely the bank, where the owner of the funds (shahibul maal) does not provide restrictions on mudharib in determining the type of business, time and area of business as long as it does not conflict with sharia principles and is in accordance with bank regulations.
The Role of Internal Audit in Mitigating Operational Risks in Sharia Banks Utami, Rizky Ananda; Irsyad, Fairuz Azzahra; Siregar, Saparuddin
Neraca Keuangan : Jurnal Ilmiah Akuntansi dan Keuangan Vol. 20 No. 1 (2025): APRIL
Publisher : Fakultas Ekonomi dan Bisnis Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/neraca.v20i1.18397

Abstract

The role of internal audit in Islamic banks is very important to mitigate operational risks, which must be managed specifically to comply with sharia principles. Operational risks in Islamic banks include challenges such as human error, system failures, and external risks, which can have a serious impact on the stability and reputation of the bank. This study aims to analyze the role of internal audit in supporting operational risk management in Islamic banks, as well as identify strategic measures to improve its effectiveness. The methodology used involves thematic analysis of relevant literature studies, which highlight that while internal audit plays an important role in maintaining compliance and improving corporate governance, there are barriers to the implementation of proactive risk management. This study finds that the integration of internal audit with Good Corporate Governance (GCG) principles and the use of technologies such as blockchain are important steps to strengthen supervision and increase transparency in mitigating operational risks. The results of this study are expected to be a reference to strengthen the stability and competitiveness of Islamic banks in facing operational risk challenges in the banking industry.
The Effect of Third-Party Funds and Financial Ratios on Net Profit with Financing as an Intervening Variable Utami, Rizky Ananda; Nawawi, Zuhrinal M.; Rahmani, Nur Ahmadi Bi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.8622

Abstract

PT. Bank Mega Syariah Tbk is one of the Islamic financial institutions in Indonesia that plays an important role in supporting economic growth through fund mobilization and financing distribution. The bank’s financial performance is inseparable from its ability to manage Third Party Funds (TPF) and financial ratio indicators such as ROA, ROE, and NPF. Net profit, as the main measure of bank profitability, can be influenced by various factors, both directly and indirectly through intervening variables such as financing. Therefore, this study examines the effect of Third-Party Funds and Financial Ratios on Net Profit with Financing as an intervening variable at PT. Bank Mega Syariah Tbk during the period 2016–2024. The sample was determined using purposive sampling, resulting in 216 data points, with analysis conducted using descriptive statistics and Structural Equation Modeling (SEM). The results show that Third Party Funds (X₁) have a positive and significant effect on Financing (Z), Third Party Funds (X₁) have a positive and significant effect on Net Profit (Y), Financial Ratios (X₂) have a positive and significant effect on Financing (Z), Financial Ratios (X₂) have a positive and significant effect on Net Profit (Y), Third Party Funds (X₁) have a positive and significant effect on Net Profit (Y) through Financing (Z), and Financial Ratios (X₂) have a positive and significant effect on Net Profit (Y) through Financing (Z) at PT. Bank Mega Syariah. This study indicates that the bank’s success in mobilizing TPF and maintaining healthy financial ratios not only directly affects profitability but also improves financing performance, which ultimately strengthens net profit. In other words, proper fund management and risk management strategies are key to sustaining customer trust, strengthening liquidity, and enhancing the bank’s competitiveness in the Islamic banking industry.
Analisis Praktik Giveaway dalam Jual Beli Online pada Perspektif Ekonomi Syariah Utami, Rizky Ananda; Sugianto, Sugianto
Ekonomis: Journal of Economics and Business Vol 8, No 2 (2024): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v8i2.1716

Abstract

The purpose of this research is to determine the sharia economic perspective, disclosures made by 12Passtuff (Korean Outfit Medan Binjai) through online sales and purchases. Nowadays, online sellers implement various marketing strategies to attract customers and increase public awareness of their goods. This research uses a qualitative descriptive methodology. Data collection methods include document review, interviews, and/or observation. The search engine is 12Passstuff which uses the gift giving method in sales promotions by utilizing internet media for sales. The findings of this research reveal that there are no religious haram requirements in the competition held by 12Passtuff.
Co-Authors Irsyad, Fairuz Azzahra Juliati, Yenni Samri Muhammad Arif Rahmani, Nur Ahmadi Bi Rokan , Mustopa Khamal Saparuddin Siregar Sugianto Sugianto Zuhrinal M. Nawawi