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Dwi Umardani
STIE Rahmaniyah
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ANALISIS KRITIS ATAS PELAKSANAAN INVESTASI GADAI EMAS BERTINGKAT PADA LEMBAGA KEUANGAN SYARIAH Dwi Umardani
Ekonomi Islam Vol. 11 No. 2 (2020): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

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Abstract

This study is intended to determine the weakness points of multilevel gold pawn investment practice in Islamic financial institutions and to find out an alternative gold investment to avoid those weakness points. The research method used is a qualitative method with primary and secondary data collected through observation on Islamic financial institutions and literature review then analyzed critically and solutively. After conducting a critical analysis, it turns out that the implementation of multilevel gold pawn investment has several major weaknesses such as having to allocate certain costs to other party, there is no certainty that the price of gold will rise in the future, and the risk of loss is very high. Meanwhile, buying gold independently according to the ability of the customer then selling it and right at the moment the proceed of the sale is used to buy gold by the same size again and the next gold with smaller size in case it is done repeatedly, it can be considered as an alternative. Keywords: Multilevel gold pawn, major weakness, and alternative.
ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA Dwi Umardani; Abraham Muchlish
Jurnal Manajemen dan Pemasaran Jasa Vol. 9 No. 1 (2016): Maret
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (695.921 KB) | DOI: 10.25105/jmpj.v9i1.1438

Abstract

ABSTRACTThis study aims to compare the financial performance of Islamic banks with conventional banks in Indonesia using financial ratios: CAR, NPL / NPF, ROA, ROE, LDR / FDR, REO / BOPO.The data used are the financial statements published by Bank Indonesia (BI), the annual reports released by banking companies listed in Indonesia Stock Exchange (IDX), the annual reports issued by companies of Islamic banking that are not listed in Indonesia Stock Exchange (IDX), and the Indonesian banking supervision reports contained in Bank Indonesia (BI) for the years 2005-2012.The analytical method used to compare the financial performance of Islamic banks with conventional banks is statistical test independent t-test.The fact shows that for each financial ratio of Islamic banks and conventional banks in Indonesia: CAR, ROA, ROE, LDR / FDR, and BOPO there are significant differences, while NPL / NPF there is not significant difference.Keywords: Financial performance, Islamic banks, conventional banks
ANALISIS KRITIS ATAS PELAKSANAAN INVESTASI GADAI EMAS BERTINGKAT PADA LEMBAGA KEUANGAN SYARIAH Dwi Umardani
Ekonomi Islam Vol. 11 No. 2 (2020): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (341.888 KB)

Abstract

This study is intended to determine the weakness points of multilevel gold pawn investment practice in Islamic financial institutions and to find out an alternative gold investment to avoid those weakness points. The research method used is a qualitative method with primary and secondary data collected through observation on Islamic financial institutions and literature review then analyzed critically and solutively. After conducting a critical analysis, it turns out that the implementation of multilevel gold pawn investment has several major weaknesses such as having to allocate certain costs to other party, there is no certainty that the price of gold will rise in the future, and the risk of loss is very high. Meanwhile, buying gold independently according to the ability of the customer then selling it and right at the moment the proceed of the sale is used to buy gold by the same size again and the next gold with smaller size in case it is done repeatedly, it can be considered as an alternative. Keywords: Multilevel gold pawn, major weakness, and alternative.
Co-Authors Abraham Muchlish