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All Journal Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan Jurnal EMT KITA Owner : Riset dan Jurnal Akuntansi EQIEN - JURNAL EKONOMI DAN BISNIS International Journal of Financial, Accounting, and Management Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) AKTUAL Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) El-Mujtama: Jurnal Pengabdian Masyarakat Jurnal Ekonomi Jurnal Akuntansi Audit dan Perpajakan Indonesia (JAAPI) International Journal of Economic, Technology and Social Sciences (Injects) Transaction: Journal of Taxation, Accounting, Management and Economics Aisyah Journal of English Language Teaching Ekspresi: Publikasi Kegiatan Pengabdian Indonesia Cendekia : Jurnal Pendidikan dan Pengajaran

Rita Handayani

Universitas Muhammadiyah Sumatera Utara

Author-ID : 2598471

Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Sistem Keuangan Islam dan Konvensional: Sebuah Studi Literatur Asmaul Husna; Julfan Saputra; M. Shabri A. Majid; Marliyah; Rita Handayani
Jurnal EMT KITA Vol 6 No 1 (2022): JANUARY-JUNE 2022
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v6i1.546

The Islamic Financial System is an implementation of the teachings of Islamic economics. So, the values contained in Islamic teachings must be realized in the Islamic financial system. But in reality, many criticisms are related to the Islamic financial system. This paper is a literature review that aims to determine the Islamic and conventional financial systems. This research uses an approach using Publish and Perish software to collect journal articles that are relevant to the purpose of this research. The contents of the collected articles were analyzed to get a conclusion. The main findings of this study indicate that the orientation of the Islamic financial system is profit and falah oriented while the conventional financial system is only profit-oriented, the conventional financial system must pay attention to the principle of justice in its operations so as not to harm the community.

Krisis Keuangan Masa Depan dan Sistem Keuangan Baru Anggi Pratiwi Sitorus; Mahlel; M. Shabri A. Majid; Marliyah; Rita Handayani
Jurnal EMT KITA Vol 6 No 1 (2022): JANUARY-JUNE 2022
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v6i1.561

The financial crisis is basically a condition of the economy experiencing a rapid decline caused by the demand for money that exceeds the supply of money due to the occurrence of a large bank rush. In order to seek more accurate monitoring and review of the stability of the banking system and national financial system in order to avoid the recurrence of systemic risk, in the event that the supervisory and supervisory duties of banks have been separated from Bank Indonesia, then Bank Indonesia as the central bank needs to be authorized to be able to directly access reliable data in the banking sector. The study uses a descriptive qualitative approach with research findings that the impact of the crisis on the economy has proven to have a bad impact on the Indonesian economy and as has been explained that the economic crisis, especially the financial crisis, has a repeating period, meaning that if a country has ever been affected by an economic crisis, it will not be affected by the economic crisis. the country will soon be free from the economic crisis because it might happen again. And financial system stability is a condition in which economic mechanisms in pricing, allocation of funds, and risk management function properly and support economic growth.

Analisis Peran Perbankan, Perluasan Pasar dan Quality Kontrol Dalam Upaya Mengembangkan UMKM Berdaya Saing : Studi Kasus UMKM di Kecamatan Medan Denai Kota Medan Rita Handayani
Ekonomikawan: Jurnal Ilmu Ekonomi dan Studi Pembangunan Vol 17, No 2 (2017)
Publisher : UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA

Micro Small and Medium Enterprises (MSMEs) is one of the areas that contribute significantly in spurring Indonesia's economic growth, employment and close to the small people. But MSMEs in Indonesia still face so many problems and always dinakandualah when economic crisis, UMKM proved able to survive and survive even be a provider of employment. Peper will discuss on various problems that are often faced by SMEs such as access issues of Banking, Expansion of Marketing and Quality control in the UMKM Berdayasaing Development Effort.

Studi Literature Solusi Keuangan Islam Mencegah Krisis Masa Depan Rijal Allamah Harahap; Herwan Nafil; M.Shabri Abd.Majid; Marliyah Marliyah; Rita Handayani
Reslaj : Religion Education Social Laa Roiba Journal Vol 4 No 3 (2022): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

The financial crisis is a problem that continues to occur, but the right solution has not been agreed upon to prevent it. Interest-based debt and its derivation is believed to be one of the causes of the emergence of the crisis. Interest-based financing causes the cost of obtaining capital to be higher. This triggers a bubble in the economy, where there is a gap between the real sector and the financial sector. This study offers a preventive solution to this crisis problem through a literature study approach. The findings of this study are that there is data that shows the Islamic financial system with its characteristics is able to withstand the crisis. In addition, the Islamic financial system based on profit sharing and risk balances the economy and is believed to be able to prevent a crisis from occurring. Keywords: Islamic Finance, Crisis, Solution

Bagaimana Utang Mendorong Terjadinya Krisis? Solusi dari Sistem Keuangan Islam Muhammad Arfan Harahap; Yochi Elanda; M. Sabri A. Majid; Marliyah Marliyah; Rita Handayani
Reslaj : Religion Education Social Laa Roiba Journal Vol 4 No 3 (2022): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Interest-based debt is prohibited in Islam because of its exploitative nature. The main purpose of implementing Islamic sharia in financial activities is to eliminate injustice and inequalities in financial transactions. The main characteristic of Islamic finance is the prohibition of charging interest, also known as usury. The findings in this study that debt that was continuously extended during the crisis did not have the effect of restoring the economy to normal conditions, instead providing an impetus for a continuous crisis. Interest-based debt is a dangerous weapon to exploit and extort poor people who need venture capital. Furthermore, the high interest in using interest-based debt is exploited by the surplus capital to increase their wealth. Interest-based debt with high costs weakens the economy, although from a capital turnover perspective it looks bigger. The solution of the Islamic financial system with an interest-free loan scheme (Qardhul Hasan) is an alternative that has been proven to provide an incentive to increase welfare. Qardhul Hasan with a low cost becomes effective in increasing output, absorbing employment, and maintaining a low inflation rate without creating negative side effects in the economy. Keywords: debt, interest, crisis, qardhul hasan

The Typology of The Global Financial Crisis and the Solution in Islamic Economic Perspective Ramdansyah Fitrah; Ridha Alhamdi; M. Shabri Abd. Majid; Marliyah, Marliyah,; Rita Handayani
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Economic globalization has triggered more frequent financial crises. Financial crises constantly repeat every specific time. This article reviews the typology of the global financial crisis and the solutions offered by Islamic economics. The research uses a historical approach. Five typologies of the global financial crisis, namely: Speculative bubbles and Crash, Sovereign Default, Balance of payment crisis, systemic banking crisis, and Energy Crisis. The financial crisis typologies of Speculative bubbles and Crash are the Wall Street Crash of 1929 and the Great Depression, Black Monday, Japanese Asset Bubble, Dot-com Bubble, US Saving & Loan Crisis, and the Suprime Mortgage Crisis. The financial crisis typology of Sovereign Default is the Latin American Debt Crisis, the Mexican Peso Crisis, the Asian Financial Crisis, and the European Crisis. The typology of financial crisis Balance of payment crisis is the Mexican Peso Crisis and the Russian Financial Crisis. The financial typology of the energy crisis is the oil crisis. Islamic economics offers a solution so that the financial crisis does not recur in the future. The prohibition of riba, maysir and ghaarar transactions offers a solution to the financial crisis typology of Speculative bubbles and Crash. The principle of equity financing in Islamic economics is a solution to the financial crisis of the Sovereign Default typology. Islamic economics prioritizes the financial sector, which is in line with the real sector as a solution to the financial crisis typology of the Balance of payment crisis. The value of morality (akhlakul karimah) is a solution to the financial crisis because of the moral hazard.

Studi Empiris Perkembangan Crowdfunding Syariah di Indonesia Roos Nelly; Harianto Harianto; M.Shabri Abd.Majid; Marliyah Marliyah; Rita Handayani
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Crowdfunding plays a role in the Indonesian economy in its development. Sharia crowdfunding has become a solution to provide financial services that are accessible to businesses that lack access to banking, especially in Indonesia. Using a literature review, this study aims to describe crowdfunding and show how sharia crowdfunding is developing in Indonesia. The results of the study show that crowdfunding has continued to develop in Indonesia since it was first popular in 2009. Sharia crowdfunding has the potential to benefit the business world in accessing capital, increasing welfare, and general economic growth. Another finding is that the implementation of sharia crowdfunding is divided into four categories; donation-based, reward-based, asset-based and equity-based crowdfunding. Where there are differences between conventional crowdfunding and sharia crowdfunding from the four categories. In addition, sharia crowdfunding is also faced with several future issues that must be faced, such as: public trust in crowdfunding, quality and understanding, contract innovation, partnerships with banks, integration with NBFIs, especially MFIs and being able to develop businesses that have high risk. Keywords: Crowdfunding, Sharia Crowdfunding, Development

Tantangan Regulasi Keuangan Bagi Perkembangan Perbankan Islam: Selfi Afriani Gultom; Pandapotan Pandapotan; M. Shabri Abd. Majid; Marliyah Marliyah; Rita Handayani
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

The literature study of this article aims to analyze the challenges that must be considered by financial regulators, especially for Islamic financial institutions (Islamic banking). Literature study through content analysis by discussing the book Intermediate Islamic Finance by Nabil Maghrebi, Abbas Mirakhor, and Zamir Iqbal Wiley publisher in 2016 and 30 articles from emerald and direct science publisher which is the world's best journal publisher with a scopus index. The results of the content search found seven challenges in financial regulation, namely the calculation of profit and loss sharing (PLS) still referring to the interest system, the practice of implementing contracts overshadowed by conventional contracts, capital and minimum liquidity regulations still referring to general regulations, regulatory indicators in assessing efficiency still referring to in the general (conventional) model, weakness of regulations requiring Islamic financial institutions in and supervision, weakness of regulatory control in implementing good corporate governance, weaknes of sharia law courts dealing with violations of sharia law. Financial regulations have not fully sided with Islamic banking (sharia). Financial regulations must continue to be adjusted and rearranged so that Islamic banking can develop and develop in a healthy manner with conventional banking and be resilient in the face of crises. Key words : challenges, finance regulation, islamic banking

The implementation of energy subsidy reduction policy on the Indonesian economy performance Rita Handayani; Siro Juzilam; Murni Daulay; Dede Ruslan
International Journal of Financial, Accounting, and Management Vol. 1 No. 4 (2020): March
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ijfam.v1i4.154

Abstract Purpose: This study aims to evaluate the impact of the implementation of the energy subsidy reduction policy conducted by the Government of Indonesia for the period 2015-2017. The author examines the application of the subsidy reduction policy and its impact on economic performance, specifically on economic growth; inflation rates, sectoral employment absorption, income levels and households group income distribution using the computable general equilibrium approach (CGE Model). Research Methodology: The study used data from the 2008 Social Economic Balance System (SNSE) published by the Indonesian Central Statistics Agency (BPS). Furthermore, it also built a balance of data base with the static version 1.1 PEP model, version 2.0 making the energy subsidy reduction policy a shock in the simulation model developed. Results: The author found that the application of policy to reduce energy subsidies has an impact on increasing economic growth, reducing inflation, increasing employment in the livestock, hospitality, land transportation and other service sectors. Limitation: The limitation of this study is the use of funding 2008. Contribution: The government as a stakeholder should provide the inclusive potential opportunity and considerable funds for research and development of new energy sources which will benefit of the future of nation's life.

Dampak Pandemi Covid-19 Terhadap Stabilitas Profit Efficiency Perbankan Syariah Indonesia Ahmad - Rivai; Syachrul Wahyudi; M. Shabri Abd. Majid; Marliyah Marliyah; Rita Handayani
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 3 No 3 (2022): February 2022
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v3i3.1040

This research aims to investigate the impact of the COVID-19 pandemic on the stability of profit efficiency in Indonesian Islamic banking. The analysis used is quantitative by using Stochastic Frontier Analysis (SFA) as a method for estimating the profit efficiency of Islamic Commercial Banks (BUS) and Sharia Business Units (UUS) before and during the COVID-19 pandemic. The data used is secondary data for BUS and UUS in the period January 2018 to August 2021. From this research it was found that the overall phenomenon of Indonesian Islamic banking has a higher level of profit efficiency during the COVID-19 pandemic than before the pandemic. Partially, UUS has a higher level of profit efficiency than BUS before and during the COVID-19 pandemic. In terms of stability, it also shows the same phenomenon, UUS has higher stability than BUS in generating profits both before and during the COVID-19 pandemic. In this study, it was also found that Total deposit and Non-Performing Financing act as significant determinant factors for the stability of profit efficiency of BUS and UUS. The results of this study further strengthen the existence of Indonesian Islamic banking in the future in facing times of economic and financial crisis

Co-Authors Ahmad Aswan Waruwu Altasya, Ajeng Amalia Nasution Amanda Afriza Putri Amanda Putri Salsabila Anggi Pratiwi Sitorus Asmaul Husna Bambang Lesmono Dalyanto Dede Ruslan Dedy Dwi Arseto Disna Anum Siregar Elanda, Yochi Gultom, Selfi Afriani Harianto Harianto Harianto Harianto Hastina Febriaty Hastina Febriyanti Herwan Nafil Julfan Saputra Kamaruddin Kamaruddin Khairun Nisa Lestari M. Sabri A. Majid M. Sabri Abd. Majid M. Shabri A. Majid M. Shabri A. Majid M. Shabri Abd. Majid M. Shabri Abd. Majid M. Shabri Abd. Majid M.Sabri A.Majid M.Shabri Abd.Majid M.Shabri Abd.Majid M.Shabri Abd.Majid Mahlel Marliyah Mhd. Zulkifli Hsb Muhammad Arfan Harahap Muhammad Kharazi Murni Daulay Nirmadarningsih Hiya Pandapotan Pandapotan Radja Janna Lubis Ramdansyah Fitrah Rayna S. Zahara Ridha Alhamdi Rijal Allamah Harahap Rivai, Ahmad Roos Nelly Roos Nelly Sabri. A. Majid Sanusi Gazali Pane Silvana Dwi Novianty Siro Juzilam Sri Endang Rahayu Syachrul Wahyudi Sylvia Vianty Ranita T. Nazaruddin Tita Irawati Tommy fimi putra, Muhammad Umi Hasanah Yenni Arfah Arfah

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