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Mengenal Investasi: Edukasi Masyarakat untuk Menghindari Investasi “Bodong” di Kecamatan Boliyohuto, Kab. Gorontalo Nurul Fadhilah; Bela Mamonto; Mustaqim Idrus; Yulfika Daud; Rayyan Mamonto; Tian Lahay; Ranti Amsati; Wahyu Palowa; Rifadli D. Kadir; Iskandar Abbas
Komunal Jurnal Pengabdian Masyarakat Vol. 2 No. 1 (2023): Mei 2023
Publisher : Scimadly Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55657/kjpm.v2i1.93

Investment aimed to manage assets and increase people's income from the profit earned. The expected return depends on the investment instrument and the level of risk. The higher the risk, the higher the rate of return. On the contrary, the lower the risk, the lower the return on investment. This principle should be well-introduced to the public in order to avoid "fraud" investments. Cases of fraud of investment that went viral in the society are the portrait of the level of understanding of the society about investment and its risks. This study was conducted from the act of community service activities in Boliyohuto District, Region of Gorontalo.

ACCEPTANCE OF ISLAMIC MOBILE BANKING IN GIVING DONATION: DO TRUST AS A MEDIATION? Roni Mohamad; Chitra Yuliashri Katili; Rifadli D Kadir
NISBAH: Jurnal Perbankan Syariah Vol. 9 No. 1 (2023): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v9i1.9871

This study analyzes the interest in using donation payment services in Islamic bank mobile banking. Using the Technology Acceptance Model (TAM), variables that can affect interest are analyzed. Some of the variables used are Perceived Ease of Use (PEU), Availability of Islamic Features (AIF), Perceived Risk (PR), and Trust. This study specifically used trust variables as mediation. Data obtained using questionnaires to 118 respondents were then analyzed using SEM-PLS with Smart-PLS 3 software. The results of this study show that the Variable Availability of Islamic Features (AIF) is the primary variable in increasing trust, while Perceived Ease of Use and Perceived Risk are not following the hypothesis proposed. This research has implications for the development of Islamic banks, especially related to the use of donation payment service features using mobile banking. If it wants to increase interest in customers using mobile banking, especially in donation payments, Sharia banking must increase trust in Islamic banks.

Dynamics of the Agricultural Sector and Food Security in the Border Areas East Nusa Tenggara Province – Timor Leste Nalle, Frederic Winston; Kadir, Rifadli D.; Masniadi, Rudi
EKO-REGIONAL Vol 19, No 2 (2024)
Publisher : Jurusan Ilmu Ekonomi dan Studi Pembangunan Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/1.erjpe.2024.19.2.4000

East Nusa Tenggara (NTT) Province is a strategic area bordering Timor-Leste, with significant potential in agriculture and trade. However, NTT faces food insecurity issues, reflected in high poverty rates and malnutrition prevalence, making it the province with the highest malnutrition rate in Indonesia. This study uses Multiple Linear Regression Method to analyze the impact of climate change, accessibility, education, agricultural diversification programs, and community participation on food security. A sample of 150 farmers from Kupang, South Central Timor, North Central Timor, Belu, and Malaka districts was randomly selected. The results show that these five variables significantly affect food security in NTT, both partially and simultaneously. Strategic recommendations include adopting climate change adaptation programs, improving accessibility, education, agricultural diversification, and strengthening community participation in decision-making processes.

What Drives Non Performing Financing? Evidence from Islamic Rural Banks in Indonesia During Covid-19 Kadir, Rifadli D; Ratnasari, Sri Langgeng; Abduh, Muhamad Abduh
IKONOMIKA Vol 6, No 2 (2021)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v6i2.10757

This study aims to investigate the factors that influence non-performing financing (NPF) at Islamic rural banks (BPR) in Indonesia during the Covid-19 pandemic. The data used in this study was taken during the COVID-19 pandemic, namely in 2020. This study uses a data panel consisting of 128 Sharia BPRs throughout Indonesia. The analysis used is panel data analysis by choosing the best model between common effect (CE), fixed effect (FE), and random effect (FE). Data analysis was also carried out on: (1) large and small Sharia BPRs; (2) BPR located on the island of Java and outside the island of Java. The results found that the variable that had a strong influence on NPF during the covid-19 pandemic was economic growth as proxied by Gross Regional Domestic Product (GRDP). Bank size shows a negative and significant effect. FDR shows a positive and significant effect. Operational efficiency ratio (OER/BOPO) has a positive but not significant effect. Based on these results, it is necessary to mitigate financial problems, especially changes in macroeconomic conditions such as economic growth. This study also shows that there are differences in the variables that affect the size of small and large banks, as well as those in Java and those outside Java. This result can be a reference for Sharia BPR in mitigating financing risk.

Dynamics of the Agricultural Sector and Food Security in the Border Areas East Nusa Tenggara Province – Timor Leste Nalle, Frederic Winston; Kadir, Rifadli D; Masniadi, Rudi
Eko-Regional: Jurnal Pembangunan Ekonomi Wilayah Vol 19 No 2 (2024): September 2024
Publisher : Faculty of Economics and Business Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/er.v19i2.15031

East Nusa Tenggara (NTT) Province is a strategic area bordering Timor-Leste, with significant potential in agriculture and trade. However, NTT faces food insecurity issues, reflected in high poverty rates and malnutrition prevalence, making it the province with the highest malnutrition rate in Indonesia. This study uses Multiple Linear Regression Method to analyze the impact of climate change, accessibility, education, agricultural diversification programs, and community participation on food security. A sample of 150 farmers from Kupang, South Central Timor, North Central Timor, Belu, and Malaka districts was randomly selected. The results show that these five variables significantly affect food security in NTT, both partially and simultaneously. Strategic recommendations include adopting climate change adaptation programs, improving accessibility, education, agricultural diversification, and strengthening community participation in decision-making processes.

Effectiveness and Accountability of Zakat Fund Management at LAZ Yakesma Based on the Analysis of Sharia Financial Ratios 2017-2022 Ummah, Syarifatul; Yusuf, Sri Dewi; Kadir, Rifadli D.; Sekarrini, Laras Ayu
Golden Ratio of Finance Management Vol. 5 No. 2 (2025): April - September
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v5i2.1438

This study aims to analyze the effectiveness of Islamic social institutions through a case study on the Madani Welfare Foundation (Yakesma), utilizing six ratios as a measure. This study uses a descriptive quantitative approach to calculate each effectiveness ratio. Data was collected through Yakesma's financial statement documentation for six years, namely 2017-2022. The analysis was conducted by calculating the effectiveness ratio, which comprised the distribution ratio, ZIS fund growth, distribution growth, amil rights to collection, the use of amil funds to fulfill amil rights, and the allocation of funds to poor people for zakat distribution. The results of this ratio calculation are then integrated with the four pillars of Islamic Economics, namely transparency, accountability, efficiency, and Sharia compliance. Based on the analysis results, it was found that Yakesma successfully maintained a high and consistent distribution ratio (>77%), demonstrating its effectiveness in distributing ZIS to the mustahik. Additionally, the trend of growth and fund disbursement demonstrated a positive performance. Yakesma demonstrates a good level of accountability through independent audits and the publication of financial statements. These findings suggest that other Islamic social institutions can adopt the practices of financial report transparency, amil fund management discipline, and accountable governance, as applied by Yakesma, to increase public trust, muzakki participation, and optimize benefits for the mustahik.

Profitability of Islamic Microfinance in Indonesia: Does the Type of Financing Matter? Chitra Yuliashri Katili; Rifadli D. Kadir
Mutanaqishah: Journal of Islamic Banking Vol. 1 No. 1 (2021): June 2021
Publisher : Department of Islamic Banking

This study aims to examine the effect of Inflation Variables, CAR, NPF, Murabahah Financing, Mudharabah Financing, and Musyarakah Financing on the Profitability of Sharia BPRs in Indonesia. This study uses time series data from 2016-2020. The data is processed using the Error Correction Model (ECM). This study concludes that Murabahah Financing Variables have a significant influence and other variables, namely Inflation, CAR, NPF, Mudharabah Financing and Musyarakah Financing have no effect on the Profitability of Sharia BPRs in Indonesia. Thus, the type of financing affects the profitability of Sharia BPR in Indonesia

Biblioshiny Mapping of Corporate Governance in Islamic Banking Research: A Last Decade Review Chitra Yuliashri Katili; Kadir, Rifadli D.
Mutanaqishah: Journal of Islamic Banking Vol. 4 No. 1 (2024): June 2024
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v4i1.1866

A study on corporate governance in Islamic Banking has developed. This study attempts to map the development of this research over the past decade. Using 111 articles from the Scopus database with Biblioshiny R-studio analysis, mapping was carried out related to the document. The study found a fluctuation in the number of publications on this topic, with Grassa R as the most impactful author, Universiti Teknologi Petronas as the affiliate that published the most articles, and the United Kingdom as the most cited country. Research on this topic can still be developed by considering issues that have been studied previously, such as its relationship to Financial Performance and Shariah Governance.

Dynamics of the Agricultural Sector and Food Security in the Border Areas East Nusa Tenggara Province – Timor Leste Nalle, Frederic Winston; Kadir, Rifadli D.; Masniadi, Rudi
EKO-REGIONAL Vol 19 No 2 (2024)
Publisher : Jurusan Ilmu Ekonomi dan Studi Pembangunan Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/1.erjpe.2024.19.2.4000

East Nusa Tenggara (NTT) Province is a strategic area bordering Timor-Leste, with significant potential in agriculture and trade. However, NTT faces food insecurity issues, reflected in high poverty rates and malnutrition prevalence, making it the province with the highest malnutrition rate in Indonesia. This study uses Multiple Linear Regression Method to analyze the impact of climate change, accessibility, education, agricultural diversification programs, and community participation on food security. A sample of 150 farmers from Kupang, South Central Timor, North Central Timor, Belu, and Malaka districts was randomly selected. The results show that these five variables significantly affect food security in NTT, both partially and simultaneously. Strategic recommendations include adopting climate change adaptation programs, improving accessibility, education, agricultural diversification, and strengthening community participation in decision-making processes.

Analisis Rasio Keuangan PT. Bintang Mitra Semestaraya Tahun 2017-2021 Setiawan, Adi; Martaliah , Nurfitri; Rifadli D. Kadir
Jeksyah: Islamic Economics Journal Vol. 2 No. 02 (2022): September 2022 Edition
Publisher : Fakultas Ekonomi dan Bisnis Islam _ IAIN Sultan Amai Gorontalo

Bintang Mitra Semestaraya Tbk is a business entity domiciled in the investment and commercial sector. The company started as an investment company investing in real estate companies in developing basic housing projects, mid-range residential projects and companies developing commercial buildings. The importance of analysis of profitability reports to see the company's ability taken from financial statements with the aim of knowing the efficiency and effectiveness of the use of allocation or use of capital in making operational decisions and maximizing profits. The purpose of this study is to see the level of profitability of the Bintang Mitra Semestaraya company from 2017-2021. To examine the data, the researcher uses a financial scale comparison analysis technique in 2021 by comparing previous years (time series technique) or by comparing the achievements of the current period with the previous period so that the differences in each period are obtained using the profitability ratio. With a profitability ratio, the average value shows 6.37%, and the average profit achieved in the last five years is only 1.18% so that the company is declared unable to generate a large enough profit for the company.

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