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All Journal Jurnal Ilmiah Ekonomi dan Bisnis Al-Amwal Al-Kharaj: Journal of Islamic Economic and Business Islamic Business and Finance (IBF) Sharing: Journal Of Islamic Economics, Management And Business
KHAIRUNISA, MADONA
Universitas Islam Negeri Sultan Syarif Kasim Riau
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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EFEKTIFITAS PELAKSANAAN RESTRUKTURISASI PEMBIAYAAN TERHADAP PENURUNAN NPF KHAIRUNISA, MADONA
Al-Amwal Vol 6 No 1 (2017): Jurnal Volume 6, No. 1 Juni 2017
Publisher : STEI Iqra Annisa Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (680.186 KB)

Abstract

Penelitian ini bertujuan (1) untuk mengetahui pelaksanaan restrukturisasi pembiayaan bermasalah pada Bank Riau Kepri Cabang Syariah Pekanbaru; (2) untuk mengetahui faktor dan kendala yang memengaruhi pelaksanaan restrukturisasi; dan (3) untuk menganalisa efektifitas pelaksanaan restrukturisasi terhadap penurunan NPF. Untuk mencapai tujuan tersebut Penulis memakai metodologi penelitian bersifat kualitatif dalam penelitian yang bersifat lapangan ini. Sumber data diperoleh langsung melalui wawancara selain dari dokumen dan literatur yang berkaitan dengan permasalahan yang diteliti. Setelah data terkumpul dengan lengkap baru dianalisa secara deskriptif dengan metode analisis deduktif dimana data-data umum yang telah dikumpulkan ditarik kesimpulan secara khusus. Setelah dilakukan penelitian maka didapatkan kesimpulan bahwa (1) pelaksanaan restrukturisasi di Bank Riau Kepri Cabang Syariah Pekanbaru telah berlangsung dari tahun 2010 hingga 2012 dan tercatat total 41 (empat puluh satu) pembiayaan murabahah dan musyarakah telah direstrukturisasi. Pola restrukturisasi yang digunakan adalah perpanjangan jangka waktu dan konversi akad pembiayaan lama menjadi akad pembiayaan baru; (2) faktor yang memengaruhi keberhasilan pelaksanaan restrukturisasi adalah terjadinya penurunan kemampuan bayar nasabah namun kegiatan usahanya masih berjalan dan nasabah mempunyai itikad baik untuk menyelesaikan permasalahannya. Selain itu agunan telah dikuasai dan diikat secara sempurna oleh Bank dan tidak terjadi konflik internal dalam manajemen usaha nasabah; serta (3) pelaksanaan restrukturisasi pembiayaan berjalan efektif karena terjadi penurunan angka NPF pasca pelaksanaan. Di sisi lain, bagi nasabah restrukturisasi sangat membantu nasabah dalam memenuhi kewajibannya kembali kepada Bank.
PREFERENSI PENGELOLA BADAN USAHA MILIK DESA (BUMDes) TERHADAP PENERAPAN PRODUK KEUANGAN SYARIAH (STUDI PADA BUMDes DI KECAMATAN TAMBANG) Hertina Hertina; Haniah Lubis; Madona Khairunisa; Nurnasrina Nurnasrina
Jurnal Ilmiah Ekonomi Dan Bisnis Vol. 19 No. 1 (2022)
Publisher : Universitas Lancang Kuning

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31849/jieb.v19i1.8377

Abstract

Tambang District with a Muslim majority population, it is certain that the people of Tambang District are easier to accept Islamic values ​​and principles in carrying out BUMDes management activities that they manage. The purpose of this study is to find out the preferences of Village Owned Enterprises (BUMDes) managers towards the application of Islamic financial products, as well as the supporting and inhibiting factors for the application of Islamic financial products in the management of BUMDes in Tambang District. This research is field research, and the data analysis in this study uses descriptive qualitative analysis. The results showed that the preference of BUMDes managers towards the application of Islamic financial products in Tambang District viewed from the social, individual and sociological aspects was very good and strong. Supporting factors for the implementation of Islamic financial products are government support and managers' perceptions. Meanwhile, the inhibiting factor is technical problems after the system changes from conventional and sharia systems. Keyword: preference,Village Owned Enterprises (BUMDes), Islamic financial products
Penyelesian Pembiayaan Bermasalah pada Bank Syariah Madona Khairunisa; Musrifah Musrifah
ISLAMIC BUSINESS and FINANCE Vol 1, No 1 (2020): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v1i1.9368

Abstract

Metode penelitian ini adalah penelitian perpustakaan, Untuk mencapai tujuan tersebut Penulis memakai metodologi penelitian bersifat kualitatif. Sumber data diperoleh langsung melalui literatur yang berkaitan dengan objek penelitian. Setelah data terkumpul dengan lengkap baru dianalisa secara deskriptif dengan metode analisis deduktif dimana data-data umum yang telah dikumpulkan ditarik kesimpulan secara khusus. Setelah dilakukan penelitian maka didapatkan kesimpulan bahwa Pola penyelesaian pembiayaan bermasalah pada Bank syariah dapat dilakukan dengan cara:1.Restrukturisasi. Restrukturisasi pembiayaan adalah salah satu upaya yang dilakukan Bank dalam kegiatan usaha penyaluran pembiayaan agar Nasabah dapat memenuhi kewajibannya kepada Bank. restrukturisasi yang dapat dilakukan adalah Penjadwalan kembali (rescheduling), Persyaratan kembali (reconditioning), Penataan kembali (restructuring), Penjadwalan kembali (rescheduling) 2. Penyelesaian melalui jaminan Penyelesaian melalui jaminan dapat dilakukan dengan cara non litigasi dan litigasi. 3.Collection Agent, dilakukan dengan menggunakan jasa pihak ketiga seperti agen/kantor hukum atau pengacara dan 4. Hapus Buku (write off) tindakan administrasi untuk menghapus buku Nasabah yang memiliki kolektibilitas macet dari neraca sebesar total tunggakan Nasabah tanpa menghapus hak tagih kepada Nasabah.
Influence Wakif's Understanding and Income of Interest in Waqf in PW. Salimah Riau Province Haniah Lubis; Nur Hasanah; Madona Khairunisa
Al-Kharaj: Journal of Islamic Economic and Business Vol 5, No 1 (2023)
Publisher : IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (612.731 KB) | DOI: 10.24256/kharaj.v5i1.3612

Abstract

Waqf potential in Indonesia reaches Rp. 180 trillion per year. A very large number, but this potential has not been able to be optimized properly.Some of the challenges that cause this condition include the not yet optimal regulation of waqf, low literacy of waqf, weak capacitynazir waqf, and the use of technology has not been maximized.The aims of this study were: 1) to determine the partial effect of waqif understanding and income on interest in waqf in PW. Salimah Riau Province, 2) determine the simultaneous effect of understanding and waqf income on interest in waqf in PW. Salimah Riau Province, and 3) determine a strategy to increase waqif funding in PW. Salimah, Riau province. The research method is a quantitative method, with technical analysis of hypothesis testing data using the SPSS 26 application. A sample of 30 people, namely PW daily administrators. Salimah, Riau Province. The results obtained partially can be obtained from the results of the t test. The t value is obtainedcountof 1.642 < from ttable2.052, which means that the understanding variable does not have a significant effect on the interest in waqf variable. Meanwhile, income variable (X2) with t valuecount of 6.275 > ttable 2.052, with a significance value of 0.001 <0.05, which means that the income variable has a significant effect on the interest in waqf variable. Simultaneously or jointly the independent variables affect the dependent variable. It can be seen from the results of the F test. The calculated F value is 37.518 > 3.34 with a significance of 0.001 <0.05. It can be concluded that the understanding variable and the income variable together have a significant effect on the interest in waqf by wakif in PW. Strategy in increasing Waqf Collection in PW. Salimah Riau Province including: a) Waqf socialization to administrators, b) Waqf socialization to the community, c) Compulsory Waqf for Management (GARDU), d) Inviting the Community to donate GARDU waqf, e) Movement of 1,000,000, - one million Waqif, and f) A minimum waqf movement of Rp. 2,000, - with a target of one million waqf is one of the newest and flagship programs issued by LWS in an effort to increase waqf funds in an effort to make it easier for people to make waqf.
Analisis Kesesuaian Prinsip Syariah Pada Akad Dan Standar Operasional Prosedur (Sop) Pembiayaan Di Baitul Maal Wa Tamwil Islam Abdurab Pekanbaru Madona Khairunisa; Nur Hasanah; Mohd Winario
ISLAMIC BUSINESS and FINANCE Vol 6, No 1 (2025): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v6i1.37578

Abstract

This study aims to analyze the compliance of contracts and the Standard Operating Procedures (SOP) of financing at Baitul Maal wat Tamwil Islam Abdurrab (BMTIA) Pekanbaru with sharia principles. As a sharia-based microfinance institution, BMTIA plays an important role in providing financing that aligns with Islamic values, such as the prohibition of riba (usury), gharar (uncertainty), maysir (gambling), and the application of justice principles. This research employs a qualitative approach through the analysis of SOP documents. The results show that most of the financing procedures implemented by BMTIA are in accordance with sharia principles, particularly in terms of contract selection, financing mechanisms, and supervisory systems. However, there are several aspects that still need improvement, such as transparency of information to customers and monitoring of financing implementation. Therefore, this study recommends refining the SOP to ensure better alignment with sharia principles and to enhance public trust. These findings are expected to contribute to the development and supervision of Islamic microfinance institutions in IndonesiaKeywords: SOP, Financing, Sharia Principles, BMT, Usury, Sharia MicrofinanceArticle history:   
Determinan Preferensi Pembelian Iphone Pada Generasi Z: Peran Fear Of Missing Out (FOMO) Dan Media Sosial Zuraidah Zuraidah; Madona Khairunisa; Nurhikmah Nurhikmah
Sharing: Journal of Islamic Economics Management and Business Vol. 5 No. 2 (2026): Juni, 2026
Publisher : Program Studi Ekonomi Syariah Fakultas Agama Islam Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/sharing.v5i2.60699

Abstract

The rapid growth of social media and the phenomenon of Fear of Missing Out (FoMO) have influenced iPhone purchase preferences among Generation Z. This study aims to examine the effects of FoMO and social media on iPhone purchase preferences among students of MAN 2 Pekanbaru City. A quantitative approach with an associative research design was employed. Data were collected through questionnaires administered to 91 respondents and analyzed using multiple linear regression. The results indicate that both FoMO and social media have a positive and significant effect on iPhone purchase preferences and jointly explain 65.0% of the variance in purchase preferences. These findings suggest that psychological factors and social media exposure play a significant role in shaping iPhone purchase preferences. This study is limited to students of MAN 2 Pekanbaru City; therefore, its findings cannot be generalized to the entire Generation Z population in Indonesia. Future research is recommended to include broader and more diverse samples to obtain more representative findings.
Co-Authors Haniah Lubis Hertina Hertina Mohd. Winario Musrifah Musrifah NUR HASANAH Nurhikmah Nurhikmah Nurnasrina Nurnasrina Zuraidah Zuraidah