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All Journal HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Al-Mustashfa MODELING: Jurnal Program Studi PGMI At-Tawassuth: Jurnal Ekonomi Islam Jurnal Penelitian Medan Agama Jurnal Penelitian Tarbawi: Pendidikan Islam dan Isu-Isu Sosial Jurnal Pendidikan dan Konseling Journal of Management and Business Innovations Jurnal Ilmiah Edunomika (JIE) EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Al-Mutharahah: Jurnal Penelitian dan Kajian Sosial Keagamaan Journal of Vision and Ideas (VISA) Jurnal Pelayanan dan Pengabdian Masyarakat Indonesia Dinamika Publik: Jurnal Manajemen dan Administrasi Bisnis Maslahah: Jurnal Manajemen dan Ekonomi Syariah Jurnal At-Tabayyun Jurnal Media Akademik (JMA) Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Ekonomi Keuangan Syariah dan Akuntansi Pajak Al Urwah : Sharia Economics Journal Journal of Ekonomics, Finance, and Management Studies Journal of Islamic Economics and Finance Jejak digital: Jurnal Ilmiah Multidisiplin Sujud: Jurnal Agama, Sosial dan Budaya
Pani Akhiruddin Siregar
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Menganalisis Rasio Keuangan dalam Memprediksi Pembiayaan Bermasalah di Bank Umum Syariah Indonesia Yuni Sartika; Pani Akhiruddin Siregar
MODELING: Jurnal Program Studi PGMI Vol 10 No 1 (2023): Maret
Publisher : Program Studi PGMI Sekolah Tinggi Ilmu Tarbiyah Nahdlatul Ulama Al Hikmah Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36835/modeling.v10i1.1599

Abstract

Penelitian ini bertujuan untuk menganalisis secara mendalam rasio keuangan dalam memprediksi pembiayaan bermasalah di bank umum syariah Indonesia. Indikator risiko keuangan meliputi CAR, NPF, BOPO, FDR dan ROE. OJK mencatat, rasio pembiayaan bermasalah (NPF) bank umum syariah sebesar 3,04% pada Oktober 2021. Angka tersebut turun dari bulan sebelumnya.Pendekatan penelitian dengan metode kuantitatif menggunakan data sekunder. Jenis data kuantitatif berupa data runtun waktu (time series) bulanan dari SPS BI atau OJK dari tahun 2018 sampai 2022. Model penelitian dijabarkan dalam persamaan analisis regresi linier berganda. Dengan taraf signifikansi 0,05. Dari hasil uji F, variabel CAR, NPF, FDR dan BOPO secara simultan signifikan mempengaruhi variabel ROA. Hal ini menunjukkan model regresi pada CAR, NPF, FDR dan BOPO bisa dipakai untuk memprediksi ROA. Hipotesisnya terdapat pengaruh yang signifikan antara variabel bebas terhadap variabel ROA. Dari hasil uji t, variabel CAR tidak berpengaruh dan tidak signifikan terhadap variabel ROA, variabel NPF dan BOPO tidak berpengaruh dan signifikan terhadap variabel ROA. Sedangkan variabel FDR berpengaruh dan signifikan terhadap variabel ROA. Dari hasil estimasi model, diperoleh nilai R sebesar 0,860 dan koefisien determinasi R Square sebesar sebesar 0,740 yang berarti 74% dari variasi variabel terikat bisa dijelaskan oleh variabel bebas dalam model tersebut. Sedangkan sisanya, yaitu 26% dijelaskan oleh sebab-sebab yang lain yang tidak masuk dalam model.
Pengaruh Produk, Promosi, dan Gaya Hidup terhadap Minat Menabung Siswa di BSI KCP Bagan Batu Rokan Hilir Riau (Studi Kasus SMA Al-Mujahidin) Putri Indah Sari; Pani Akhiruddin Siregar
MODELING: Jurnal Program Studi PGMI Vol 10 No 1 (2023): Maret
Publisher : Program Studi PGMI Sekolah Tinggi Ilmu Tarbiyah Nahdlatul Ulama Al Hikmah Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36835/modeling.v10i1.1608

Abstract

Terdapat faktor yang dapat mempengaruhi minat masyarakat menabung di bank syariah yaitu pengetahuan dimana semakin tinggi tingkat pengetahuan, semakin besar minat menabung di bank syariah Penelitian ini bertujuan untuk mengetahui produk, promosi dan gaya hidup terhadap minat menabung pada Bank Syariah pada siswa SMA Al-Mujahidin. Sampel penelitian ini menggunakan purposive sampling dengan responden adalah siswa SMA sebanyak 64 responden. Hasil penelitian menunjukkan bahwa variabel promosi berpengaruh positif signifikan terhadap kepuasan nasabah, artinya semakin baik promosi yang dilakukan maka akan semakin tinggi minat menabung siswa. Variabel gaya hidup dan produk berpengaruh positif tidak signifikan terhadap minat menabung.
Analisis Rasio Keuangan Dalam Memprediksi Profitabilitas Bank Syariah di Indonesia Riska Sri Rahayu; Pani Akhiruddin Siregar
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. VIII | No. 1 | 2023
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/ajei.v8i1.14954

Abstract

This study aims to analyze influential and significant financial ratios in predicting the profitability of sharia bank in Indonesia. Financial ratios indicators using CAR, NPF and BOPO. As for profitability indicators using ROA. The research approach with quantitative methods is described by a multiple linear regression analysis model whose population is obtained from the Financial Ratios of Sharia Commercial Banks through the Sharia Indonesia Banking Statistics of the Financial Services Authority. The data is secondary in the form of monthly data for the period January 2017 to November 2022, so that a sample of 71 data was obtained for further analysis. Sampling techniques nonprobability by means of purposive sampling. The results of the study are as follows: (1) The estimation model shows an R2 value of 0,787 which represents the value of the coefficient of determination. This means that 78,70% of the dependen variable variation is able to be explained by the independen variables in this model. The remaining 21,30% is explained by other causes that are not included in the model; 2) The regression model on the independen variable simultaneously influence the dependen variable, so that the independen variable regression model can be used to predict the dependen variable; and (3) The results showed that CAR and NPF had an influential and significant analyzed financial ratios in predicting the ROA of sharia bank in Indonesia. The result showed that CAR and NPF had an influence in predicting the ROA of sharia bank in Indonesia. The results are as hypothesized. However, not on BOPO.
Zakat dan Pajak dalam Perspektif Syariah Popi Adiyes Putra; Marliyah Marliyah; Pani Akhiruddin Siregar
Al-Mutharahah: Jurnal Penelitian dan Kajian Sosial Keagamaan Vol 20 No 1 (2023): Jurnal Al-Mutharahah: Jurnal Penelitian dan Kajian Sosial Keagamaan
Publisher : LPPM Institut Agama Islam Diniyyah Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46781/al-mutharahah.v20i1.610

Abstract

Zakat merupakan pemasukan bagi negara. Zakat yang dipungut pemerintah lewat lembaga amil zakat nasional (Baznas) kepada umat Islam yang telah memenuhi nisab dan haul sesuai ketentuan syariah. Zakat yang telah dihimpun kemudian disalurkan kepada hasnaf yang delapan. Sedangkan pajak dihimpun oleh pemerintah lewat Direktorat Jenderal Pajak Kementerian Keuangan dan Dinas Pendapatan Daerah (Dispenda). Pajak yang telah dihimpun kemudian digunakan untuk kemaslahatan bersama, biaya pemerintahan, pembangunan jalan dan fasilitas umum, pendidikan, ekonomi dan lain-lain. Memperhatikan penggunaan zakat dan pajak terdapat perbedaan antara keduanya. Para ulama berbeda pendapat terkait dengan perbedaan dan persamaan antara zakat dan pajak. Meskipun demikian sebagian ulama berpendapat ketika seorang muslim telah membayar pajak, tidak membuat seseorang itu terbebas dari kewajiban untuk membayar zakat, dan ketika seorang warga negara telah membayar zakat bisa membuat dia terbebas dari kewajiban membayar pajak atau mengurangi besaran kewajibannya membayar pajak. Hal ini mengingat zakat merupakan perintah agama yang wajib untuk ditunaikan, sedangkan pajak adalah kewajiban yang diatur oleh Negara.
The Analysis of Macroeconomic and Microeconomic Factors in Non-Performing Financing of Sharia Bank in Indonesia Yolanda Fransiska; Pani Akhiruddin Siregar
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 4 No 4 (2023): May 2023
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v4i4.3250

Abstract

This study aims to analysis of macroeconomic and microeconomic factors in non-performing financing of Sharia Bank in Indonesia. Inflation and the BI7DRR are macroeconomic factors. CAR and BOPO are indicators of microeconomic factors. NPF is a problematic financing indicator. Research methods with quantitative methods described in multiple linear regression analysis models. The population is obtained from the Bank Indonesia and Financial Ratios of Sharia Commercial Banks through the Sharia Indonesia Banking Statistics of the Financial Services Authority. The data is secondary in the form of monthly data for the period January 2018 to November 2022, so that a sample of 59 data was obtained for further analysis. Sampling techniques nonprobability by means of purposive sampling. The results of the study are as follows: (1) The estimation model shows an R2 value of 0,738 which represents the value of the coefficient of determination. This means that 73,80% of the dependent variable variation is able to be explained by the independent variables in this model. The remaining 26,20% is explained by other causes that are not included in the model; 2) The regression model on the independent variable simultaneously influence the dependent variable, so that the independent variable regression model can be used to predict the dependent variable; and (3) This research produced output that the influential and significant ones are Inflation and BI7DRR as macroeconomic factors that can be used to analysis non-performing financing of Sharia Bank in Indonesia. This research also produced an output that CAR and BOPO have no influential as microeconomic factors that cannot be used to analysis non-performing financing of Sharia Bank in Indonesia. Although CAR and BOPO the results are significant.
Analisis Kinerja Perbankan Syariah 2018-2022 Dengan Menggunakan Pendekatan Islamicity Performance Index Solatiah Nasution; Pani Akhiruddin Siregar
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 4 No 4 (2023): May 2023
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v4i4.3264

Abstract

This study aims to analyze the financial performance of Indonesian Sharia Peranakans for the 2018-2022 period using the Islamicity Performance Index approach. CAR, BOPO, and NPF are the financial ratios which are the variables that will be examined, and the Profit Sharing Ratio is the financial ratio of the Islamicity Performance Index which will be analyzed for its performance. The formulation of this research is: How is the Performance of Indonesian Sharia Banking for the 2018-2022 period using the Islamicity Performance Index Approach? and whether there is an influence of CAR, BOPO, and NPF financial ratios on the Profit Sharing Ratio. This study uses a quantitative research method with secondary data in the form of financial reports obtained from the Sharia Banking Statistics of the Financial Services Authority (SPS OJK). The results of the research analysis that has been carried out, it can be seen that the financial ratios of CAR, BOPO, and NPF affect the Profit Sharing Ratio, where this profit sharing ratio is one of the main objectives of Indonesian Islamic Banking. The recommendation for this researcher is that it is better for Indonesian Islamic Banking to further increase the PSR ratio or profit sharing so that it is important to identify the extent to which a bank has achieved its goals, because the large acquisition of profit sharing for Islamic banks will later become an advantage for the bank itself.
KETENTUAN HUKUM MEMPERJUALBELIKAN KOPI LUWAK Pani Akhiruddin Siregar; Wastka Ningrum; Suryani Suryani
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 8, No 1 (2023)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v8i1.10907

Abstract

AbstractCivet coffee is safe to consume. Although the coffee beans come out in the process through the civet anus in the form of feces. Keep the coffee intact. Qualitative research methods with a normative legal approach. In fact, normative legal research to examine law is conceptualized as a rule that applies in society and is the basis for one's behavior, such as legal provisions for buying and selling civet coffee. Therefore, this research aims to examine the legal provisions for buying and selling civet coffee “permissible” based on: (1) Fatwa Decree of the MUI Fatwa Commission Number 07 of 2010 which concerning Fatwa on Civet Coffee; and (2) Fatwa MPU Aceh Number 07 of 2011 which concerning Fatwa on Civet Coffee Law. The results of the research that the legal provisions for buying and selling civet coffee based on: (1) Fatwa Decree of the MUI Fatwa Commission Number 07 of 2010 which concerning Fatwa on Civet Coffee; and (2) Fatwa MPU Aceh Number 07 of 2011 which concerning Fatwa on Civet Coffee Law.Keywords: Civet Coffee; Coffee Beans; Mutanajjis; Selling; Halal Civet Coffee.
Pengaruh Kualitas Pelayanan, Lokasi, dan Produk Pembiayaan terhadap Pengembangan UMKM Nasabah (Studi Bank Wakaf Mikro Pesantren Mawaridusallam) Putri Aulia; Pani Akhiruddin Siregar
MODELING: Jurnal Program Studi PGMI Vol 10 No 2 (2023): Juni
Publisher : Program Studi PGMI Sekolah Tinggi Ilmu Tarbiyah Nahdlatul Ulama Al Hikmah Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36835/modeling.v10i2.1763

Abstract

Background: Indonesia as a country with the largest Muslim population in the world has a very large potential for cash waqf, but this has not been optimally developed. Purpose: This study aims to determine the effect of service quality, location, and financing products on the development of MSME customers. Methods: Quantitative research design with Cross Sectional study design. The research was conducted in June 2023. The population in this study were 86 customers. The sample in the study were 71 customers obtained using the slovin formula. Data analysis used the Kolmogorov-Smirnov test, multiple linear regression, Test F and Test R2. Result: the test results show that the value of Fcount (23.520) > Ftable (2.74) with a value of Sig F = 0.00 <0.05 means that the variables of Quality of Service, Location and Financing Product simultaneously (together) have a significant effect on the MSME Development variable. Conclusion: Service Quality, Location, and financing products have a significant impact on MSME development.
Analisis Penerapan Konsep Asset And Libality Management dengan Sistem Perbankan Syariah di Indonesia Abu Dzar Al-Ghifari; Pani Akhiruddin Siregar
VISA: Journal of Vision and Ideas Vol 3 No 3 (2023): VISA: Journal of Vision and Ideas
Publisher : LPPM IAI Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/visa.v3i3.5496

Abstract

In banking operations, Asset Liability Management (ALMA) is the main focus in managing commercial banks. As a tool for analyzing and managing banking operations, it is something that is paid attention to by banking practitioners and academics. This research uses a type of library research. Bibliography research is research carried out using a bibliography in the form of books, memos and information from previous research. On the other hand, the method used is storytelling and analysis. This research results that the application of Asset and Liability Management in Islamic Banking is implemented in a special unit called ALCO (Asset and Liability Management Committee). This committee is responsible for planning, organizing and supervising Islamic bank investments. Keywords: Asset Liability Management, Sharia Banking, Systems and Concept
EKSTERNAL DAN INTERNAL DALAM MENENTUKAN NON PERFORMING FINANCING PADA PERBANKAN SYARIAH Ratna; Pani Akhiruddin Siregar
Jurnal At-Tabayyun Vol. 1 No. 1 (2018): Volume 1 Nomor 1 Tahun 2018
Publisher : Sekolah Tinggi Agama ISLAM PANCA BUDI PERDAGANGAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62214/jat.v1i1.16

Abstract

This research aims to analyze the extent of the influence of the exchange rate, inflation, and CAR against FDR NPF Islamic banking in Indonesia. Approach to research with quantitative methods using secondary data. Types of quantitative data in the form of data runtun time (time series) monthly Statistics sourced from Bank Indonesia Sharia Banking/financial service Authority (SPS-BI/OJK) from January 2006 until January 2018. Research models elaborated in the equation a linear multiple regression analysis with 0,05 significance level. Test results of F, free variables (Exchange rates, inflation, CAR and FDR) simultaneously significantly affect a bound variable (NPF). This indicates that the regression model on exchange rate, inflation, CAR and FDR could be used to predict the NPF. Whose hypotheses there is significant influence among variables a variable is bound against free. From the results of the test t, variable rate and variable inflation partially positive and significant influential variable against the NPF. However, variables and variable FDR CAR partially positive and no significant effect against the NPF variable. From the results of the estimation model, the retrieved value R of the determination coefficient R 0,532 and the Square of the mean 0,283 of 28,30% of the variation could be explained by the bound variables are variables in the model. While the rest of 71,70% explained by other causes which are not entered into the model.
Co-Authors Abdul Kadir Zailani Abu Dzar Al-Ghifari Ade Wahyu Ramadhani Adinda Khairunisa Ahmadi Ahlamul Jaris Ahmad Afandi Ahmad afandi surbakti Ahmad Furqon ginting Ahmad Muhajir Akhmad Shandy Alfikri, Muhammad Nabil Alisyah Ramadhani Alnamira Alnamira Amanda Nabila Amelia Zahra Siregar Amiur Nuruddin Ananda, Finta Aura Maritza Zen Bahari Bahari Bancin, Kadri Bancin, Kadri Deti Tri Kurnia Dewi Kumala Sari Hasibuan Dimas Setiawan Dina Fakhira Dwi Sabrina Ummaya Dwi Yana Rahmalita Eka Pertiwi Viranda Elmaya Lisa Evi Flora Harianta Sirait Fadhil Musyafa Fara Natasya Hamzah Lubis Fatah Wirayuda Fatih Siraj Fitri, Elisa Hafizhah, Aqilah Hasibuan, Dini Anggrayani Hastuti Olivia Ihda Tazqia Hasibuan Ilmi Marbun, Miftahul Imelda Saragih Ira Mayasha Irma Damayanti Juliana Kadri Bancin Kadri Bancin Kadri Bancin Kartika, Dinda Ayu Khairunisyah Arriddho Khasanah Khairiyyah Kinkin Wardani Leo Kusuma Lutfiah Marsya Irsan M. Yusuf Mardhani Asry Marisa, Mawar Marliyah Maya Dita Anggraini Muhammad Gifari Sitorus Muhammad Habibur Rosyid Muhammad Nabil Alfikri Muhammad Zidansyah Mutiara Annisa Nabila Intan Safira Nadia Aswana Nilna Mayang Kencana Sirait Ningtias, Agus Nur Janah Nur Janah Nur'ain Harahap Nurly Aulia Rahman NURUL KARIMAH Nurul Sapika Olivia Shafitri Popi Adiyes Putra Putri Aulia Putri Indah Sari Raihani Fadila Ratna Reza Aliyanda Ridho Laksamana Fajri Riska Sri Rahayu Risva Nanda Sinaga Safriani Safriani Salwa Nabila Sinta Sintia Br. Karo Siti Ruwaida Solatiah Nasution Suginam Suryani Suryani Syahrani, Novia Syaiful Bahri, Amelia Ramdhani Syaiyuti Tiara Devani Hasibuan Tiara Pratiwi tri wahyuni Triwanda Aditiya Tumanggor, Arief Hidayat Wanda, Kaila Wastka Ningrum Wildan Akhir Nasution Yolanda Fransiska Yuli Pratiwi Yuni Sartika