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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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Literature Study: Global Financial Crisis and Islamic Finance As A Solution Dedy Dwi Arseto; Nirmadarningsih Hiya; M. Sabri Abd. Majid; Marliyah Marliyah; Rita Handayani
Jurnal AKTUAL Vol 20, No 1 (2022): Jurnal AKTUAL
Publisher : STIE Trisna Negara OKU Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47232/aktual.v20i1.121

Literature Study: Global Financial Crisis and Islamic Finance As A Solution. One of the basic tenets of Islamic finance is "no risk, no gain". This will help. Since interest-based transactions are prohibited, Islam encourages business and trade activities that generate fair and legitimate profits. In Islamic finance, therefore there is always a close relationship between financial flows and productivity. This intrinsic property of Islamic finance contributes to protecting it from the potential risks of over-leverage and speculative financial activities that are part of the root causes of the current financial crisis. Another fundamental principle of Islamic finance is the risk and profit sharing feature of Islamic financial transactions (such as Mudharabah or Musyarakah contracts). This feature of sharing the benefits and risks of Islamic financial transactions requires a high level of disclosure and transparency in the Islamic financial system. This disclosure allows the market to assign an appropriate risk premium to the company, thereby increasing the potential for applying market discipline. Its rapid evolution is mainly seen in the four dimensions of its development. First, Islamic finance is currently seen as a competitive form of financial intermediation, which attracts significant participation by non-Muslims. Second, with the emergence of more diversified Islamic financial institutions and the development of Islamic financial markets, the scope of the Islamic finance business has expanded to include private equity, project financing, origination and issuance of sukuk (bonds), and funds, assets. , and wealth management activities. The third place where there has been a significant evolution is within the regulatory and legal framework of Islamic finance, which is shaped by the different features of Islamic financial transactions. Fourth, the international dimension of Islamic finance is rapidly becoming important as it develops into an increasingly important part of the international financial system and as it is poised to contribute to greater global financial integration. KEYWORDS: Financial Crisis, Islamic Finance

GENERAL CRITICISM ASSESSMENT OF ISLAMIC BANKING AND FINANCE Kamaruddin Kamaruddin; Silvana Dwi Novianty; M. Shabri A. Majid; Marliyah Marliyah; Rita Handayani
Eqien - Jurnal Ekonomi dan Bisnis Vol 9 No 1 (2022): EQIEN - JURNAL EKONOMI DAN BISNIS
Publisher : Sekolah Tinggi Ilmu Ekonomi Dr Kh Ez Mutaqien

Islamic banking and finance has shown impressive growth in the world over the past three decades. This achievement has come a long way, most of the financial services having interest-based banking and non-bank financial institutions have provided shari’a system. However, in some financial sectors at national and global levels are still very low in implementing the shari’a system. The main factors behind this phenomenon are the existence of a number of myths and a lot of confusion about Islamic finance theory among the public and intellectuals. So there are also misunderstandings about Islamic banking and criticisms about its theory and practice have been discussed directly or indirectly in various places, both in discussions, writings and even in books on this subject. The system that emerged was subject to a number of myths and harsh criticism, not only by those who did not accept the prohibition of interest but also by "devout" people both lay and learned who visualized the ideal system without giving any weight to the challenges of evolution and the problems of teething and difficulty. Islamic finance concepts and philosophies are based on sound reasons and are accepted by an increasing number of people around the world. What practitioners need to do is create awareness so that it can dispel myths among the public. Regarding the practice of Islamic banking, it is necessary to implement strict internal controls to avoid systemic and operational risks.

Bail Out Policy Model Comparison of America and England Muhammad Kharazi; Ahmad Aswan Waruwu; Sabri. A. Majid; Rita Handayani; T. Nazaruddin
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 5, No 1 (2022): Budapest International Research and Critics Institute February
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i1.3821

This research would explain the difference of bailout policy by England and United States of America in facing global financial crisis in 2008. This research use qualitative method and economic political perspectives. This research takes the range of time from 2009 until 2010 where in that year was a condition after buying bailout found by England and United States of America. Bail out is a term used to explain about situation for the bankrupt entity or almost bankrupt, like a company or a Bank by giving a liquid fresh fund injection. It can be said simply that bailout is a direct government intervention in economy. According to Keynes, government intervention is needed in economy minimal in the form ofpolicy. As countries with liberal economy, America and England have different bailout policy orientation to solve Subprime mortgage case. Subprime mortgage case was assumed as a trigger of this financial crisis. Bail out done by America refers to save their corporations and strengthen their economy in the future without damaging the system of liberal they believe. In spite of that England disposed to save their corporations and economy that was to side with the society, to avoid rush and public trust. As a result, England bail out was faster than America in decreasing crisis fluctuation by giving big budgeting. America was not as faster as England in decreasing crisis fluctuation because of the difference of time in giving bail out, bail out’s funding, corporations that should be given bail out, and another obstacle in the parliament.

Studi Empiris Perkembangan Crowdfunding Syariah di Indonesia Roos Nelly; Harianto Harianto; M.Shabri Abd.Majid; Marliyah Marliyah; Rita Handayani
El-Mujtama: Jurnal Pengabdian Masyarakat Vol 2 No 2 (2022): El-Mujtama: Jurnal Pengabdian Masyarakat
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

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

A BRIEF HISTORY OF FINANCIAL SYSTEM AND THE BIRTH OF MONEY Mhd. Zulkifli Hsb; M.Sabri A.Majid; Yenni Arfah; Marliyah; Rita Handayani; Dalyanto; Disna Anum Siregar
JURNAL AKUNTANSI AUDIT DAN PERPAJAKAN INDONESIA (JAAPI) Vol. 3 No. 1 (2022): Jurnal Akuntansi Audit dan Perpajakan Indonesia (JAAPI)
Publisher : Program Studi Akuntansi Fakultas Ekonomi UMN AL Washliyah

In the beginning, human life was very simple. In a sense, for meet their needs, humans simply catch fish, hunt animals or picking fruits that are already in the forest. With increasinghuman population, the longer the needs become more complex in type and the number is getting bigger. So that it is impossible for someone to fulfillhis own necessities of life. Everyone feels the need for products the efforts of others, because human nature as social beings is already a sunnatullah in this world. Therefore, the system of exchange of goods and services is veryneeded to facilitate the process of meeting the needs of life. Developmentthe transaction system continues to evolve to this day. The development begins with barter system, gold and silver money system, paper money system, and probably will continue develop in accordance with the demands of human needs.

EPISTEMOLOGICAL LITERATURE STUDY OF ISLAMIC FINANCE Bambang Lesmono; Sanusi Gazali Pane; M. Shabri Abd. Majid; Marliyah Marliyah; Rita Handayani
International Journal of Economic, Technology and Social Sciences (Injects) Vol. 2 No. 2 (2021): October 2021
Publisher : CERED Indonesia Institute

This study examined research related to Epistemology of finance in national journal articles. The study used descriptive statistical analysis and narrative reviews based on 30 publication articles with the keyword "Principles of Islamic finance" using Harzing's Publish or Perish application. All sample journal articles have been published. The results showed that there was a diversity of discussions related to "Principles of Islamic finance" published. The largest number of publications is in 2021 as many as 17 articles out of 30 samples of published articles. In general, of the 30 article publications using qualitative approach methods in discussing the "Principles of Islamic finance" as many as 23 articles (76.67%) and quantitative approaches as many as 7 articles (23.33%). Then related to the subject of the study, more related to knowledge / interest with the number of 11 articles (36.67%), then followed by a number of 6 articles (20%) and other themes such as performance which only amounted to 2 articles (6.67%), and others as many as 11 articles (36.67%).

Analisis Potensi Wilayah Kab, Batubara Dengan Tekhnik Lq (Location Quotient) Dan Shift Share Rita Handayani
Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Vol. 4 No. 2 (2023): April 2023
Publisher : CERED Indonesia Institute

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

LQ analysis is used to measure the level of specialization of the economic sector in the coal region, while Shift Share analysis is used to analyze the contribution of internal and external factors to changes in the performance of the economic sector. In the results and discussion, LQ and Shift Share calculations were carried out using GRDP data from coal districts and North Sumatra province. The results of the LQ analysis show economic sectors that form a strong economic basis in the coal region. Meanwhile, the results of the Shift Share analysis help identify factors that influence growth and changes in economic sectors in the coal region. This research contributes to optimizing the economic potential of the coal region and encouraging sustainable economic growth through a better understanding of the economic basis and factors that influence the growth of economic sectors within it. The results of this research are also useful for policy makers, entrepreneurs and other stakeholders in identifying investment opportunities and potential economic sector development in the coal region..

Potensi Retribusi Parkir Terhadap Pendapatan Asli Daerah Kota Medan, Sebelum dan Sesudah Penerapan E-Parkir Sri Endang Rahayu; Rita Handayani; Hastina Febriaty
Owner : Riset dan Jurnal Akuntansi Vol. 7 No. 4 (2023): Article Research Volume 7 Nomor 4 Oktober 2023
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v7i4.1936

Penerimaan retribusi parkir di kota Medan mengalami penurunan. Ini terjadi dimungkinkan karena adanya praktek parkir ilegal yang kian marak di kota Medan. Untuk meningkatkan Pendapatan Asli Daerah Pemerintah kota Medan melalui Walikota Medan saat ini sedang melakukan program E-Parking di 22 titik parkir di kota Medan. Penelitian ini bertujuan untuk mengetahui pertumbuhan, efektifitas, efisiensi dan kontribusi penerimaan retribusi parkir di kota Medan dari tahun 2019 sampai dengan tahun 2022, serta melakukan komparasi penerimaan retribusi parkir sebelum dan sesudah diterapkan E-Parkir di kota Medan. Metode yang digunakan adalah deskriptif kuantitatif, dengan melakukan uji efektivitas, efisiensi dan kontribusi penerimaan retribusi parkir terhadap PAD kota Medan. Selanjutnya juga melakukan analisis komparasi penerimaan retribusi parkir sebelum dan sesudah diterapkan E-Parkir di kota Medan. Pertumbuhan realisasi retribusi parkir di kota Medan tahun 2020 mengalami penurunan, namun taun 2021 dan 2022 mengalami peningkatan sebesar 4,99% tahun 2021 dan 49,10% tahun 2022. Jika dilihat dari uji efektifitas, retribusi parkir dari tahun 2019-2022 dengan kriteria tidak efektif karena nilainya masih di bawah 60%. Tidak efektifnya penerimaan retribusi parkir di tahun 2019 sampai tahun 2021 dikarenakan banyaknya juru parkir liar dan kurangnya pegawai Unit Pelaksana Teknis Dinas Perparkiran Dinas Perhubungan kota Medan, sebagai pengawas pengelolaan perparkiran di lapangan, sehingga potensi retribusi parkir tidak dikelola secara maksimal. Kontribusi Retribusi Parkir Terhadap PAD Kota Medan Tahun 2019-2022 masih di bawah 1%, oleh karena itu perlu dilakukan peningkatan penerimaan retribusi parkir yaitu dengan penerapan e-parkir di kota Medan. Penerapan e-Parkir di kota Medan dimulai sejak Oktober 2021. Untuk melihat komparasi Penerapan Sebelum dan Sesudah E-Parkir dengan melihat perbandingan penerimaan retribusi parkir sebelum dan sesudah adanya penerapan e-parkir. Realisasi penerimaan retribusi parkir tahun 2021 dan 2022 mengalami peningkatan dibandingkan tahun sebelumnya. Ini disebabkan telah diberlakukannya e-parkir di kota Medan.

Expansionary Fiscal Impact on Macroeconomic Conditions; Computable General Equlibrium (Cge) Model Approach Rita Handayani; Hastina Febriyanti
Jurnal Ekonomi Vol. 12 No. 04 (2023): Jurnal Ekonomi, 2023
Publisher : SEAN Institute

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

The Computable General Equilibrium model is used to build a general balance in the Indonesian economic model, to see the effectiveness of the impact of expansionary fiscal policy implemented by the Government on economic growth, household group income and sectoral employment during the 2019-2021 pandemic period . The PEP -1-1 model is used with static version 2.0 on GAMS 23.5 software with two variables that are simulated as shocks for the model that has been built, both independently and simultaneously. Using expansionary fiscal policy variables, namely social protection and infrastructure development. The results of the expansionary fiscal simulation carried out by the government increased economic growth by 0.03 percent, increasing sectoral labor absorption in 24 economic sectors in Indonesia. The banking sector and other service sectors experienced the highest increase in labor absorption by 8 percent and the air transportation, trade and fisheries sectors. The impact of the decline occurred in the restaurant and air transportation sectors by 9 percent. The income level indicator also saw an increase in the hhk6, hhk3 and hhd 2 groups reaching 0.52-0.21 percent. Meanwhile, the hhk1 household group was the only household group that experienced a decline in household income of 0.01 percent.

THE DIFFICULITIES IN SPEAKING ENGLISH ON FIRST GRADE STUDENTS’ AT SMAN 4 KOTA SERANG Altasya, Ajeng; Rita Handayani; Tita Irawati; Rayna S. Zahara
Aisyah Journal of English Language Teaching (AIJELT) Vol. 2 No. 2 (2023): Aisyah Journal of English Language Teaching (AIJELT)
Publisher : Universitas Aisyah Pringsewu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30604/aijelt.v2i2.1430

It is undeniable that learning to speak is an important skill in the English language. It is a fact that Indonesian students find it challenging to speak English. Both linguistic and non-linguistic factors may be to blame. Finding out why students have trouble speaking English and the reasons behind those difficulties were the goals of the study. A descriptive qualitative method research design was used. Students in SMAN 4 Kota Serang’s tenth grade served as the study’s subjects. The study results present that the tenth-grade students at SMAN 4 Kota Serang were having obstacles in speaking English. Three language-related issues were found when speaking English: poor pronunciation, insufficient vocabulary, and poor of grammar. The personal problems of the students involved two challenges; nervousness and lack of confidence. The reason why students struggled with speaking English was that they were fear of making a mistake.

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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