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All Journal Jurnal Ilmiah Ekonomi Islam Akuntabel : Jurnal Ekonomi dan Keuangan Jurnal Hukum Ekonomi Syariah Jurnal Akuntansi Al-Azhar Journal of Islamic Economics Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan Medani : Jurnal Pengabdian Masyarakat Maaliyah Journal of Islamic Economics and Business Ethics
Asyraf Mustamin
Universitas Islam Negeri Alauddin Makassar
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Journal : Al-Azhar Journal of Islamic Economics

 1 
Risiko Perkembangan Teknologi Perbankan Syariah Era Millenial Muhlis Masin; Asyraf Mustamin; Farid Fajrin; Supriadi Supriadi; Trisno Wardy Putra; Trimulato Trimulato
Al-Azhar Journal of Islamic Economics VOLUME 4 NOMOR 1, JANUARI 2022
Publisher : Sekolah Tinggi Agama Islam (STAI) Al-Azhar Gowa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37146/ajie.v4i1.148

Abstract

The risk that have been faced by sharia financial institution is not merely about financial issue but also non-financial. Hence, it is considered as an urgency to be able to implement the risk management in order to conduct the hedging strategy in sharia financial institution, and also to anticipate and ready for further action needed in facing some irrelevant situations which are not according with the expectations and the objectives of the institution. This writing aims to assess the risk management in identifying and in managing of that.  However, because of the complexity of the risk encountered both in financial and non-financial issue; such as operational risk of the use of modern technology services which does increasingly pamper the current millennial clients and that prone to cyber-security threat and thus needs protection. Also economic uncertainty with the state of pandemic covid 19.  
Analisis Kelayakan Investasi Berbasis Ekonomi Kreatif Di Kota Parepare Muhajir Suni; Jumardi Jumardi; Asyraf Mustamin
Al-Azhar Journal of Islamic Economics VOLUME 3 NOMOR 2, JULI 2021
Publisher : Sekolah Tinggi Agama Islam (STAI) Al-Azhar Gowa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37146/ajie.v3i2.81

Abstract

 Micro, Small and Medium Enterprises (UMKM) based on the creative economy are strategies implemented by the government in the current economic wave of the Industrial Revolution 4.0 era which has great potential to become one of the drivers that can create an independent, just and prosperous Indonesia in accordance with the vision of the development of Golden Indonesia 2045. The purpose of this research is to analyze the feasibility of developing investment based on creative economy in Parepare City based on technical and technological aspects, market and marketing aspects, and financial aspects. This type of research is field research (field research), using a qualitative descriptive approach. This research produces descriptive data which analyzes the feasibility of a business based on creative economy as a basis for making investment decisions using appropriate analysis. The feasibility analysis uses analysis of non-financial aspects in the form of analysis of technical and production aspects and market and marketing aspects. While the analytical tools used for the feasibility of the financial aspects use Payback Period (PP) analysis, Net Present Value (NPV), Internal Rate of Return (IRR), and Profitability Index (PI). The data used in this study are primary data and secondary data. Primary data obtained from observations and interviews. Secondary data is obtained through documents and related business reports. The results showed that handicraft, fashion/textile, printing/ publishing, and culinary businesses from non-financial aspects (technical and technological aspects and market and marketing aspects) and financial aspects (PP, NPV, IRT, and PI) are said to be feasible to develop, so that it meets the investment eligibility criteria.
Co-Authors - Trimulato, - Amrah Kasim Andri Machmury Farid Fajrin Ismawati JUMARDI Khaliq Ahmad Muhajir Suni Muhlis Masin Murliani Murliani Nasrullah Bin Sapa Rizki Rahim Salam Samsul Samsul St Hafsah Umar Sudirman Supriadi Surya Ningsih Tri Mulato Trisno Wardy Putra