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All Journal AKSIOLOGIYA : Jurnal Pengabdian Kepada Masyarakat AL-Hikmah: Jurnal Studi Agama-agama Maqasid: Jurnal Studi Hukum Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Multidiciplinary Output Research for Actual and International Issue (Morfai Journal)

Haqiqi Rafsanjani

Universitas Muhammadiyah Surabaya

Author-ID : 3248281

Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Social Sciences Other

Published : 27 Documents Claim Missing Document

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Peran dan Fungsi Bank Indonesia Setelah Adanya UU Otoritas Jasa Keuangan (OJK) Haqiqi Rafsanjani
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 2 (2018)
Publisher : Universitas Muhammadiyah Surabaya

Otoritas Jasa Keuangan adalah sebuah lembaga pengawasan jasa keuangan seperti industri perbankan, pasar modal, reksadana, perusahaan pembiayaan, dana pensiun, pegadaian, leasing, factoring, asuransi dan lainya. Keberadaan Otoritas Jasa Keuangan (OJK) sebagai suatu lembaga pengawasan sektor keuangan di Indonesia yang perlu diperhatikan, karena ini harus dipersiapkan dengan baik segala hal untuk mendukung keberadaan OJK tersebut.

Kebijakan Islam dalam Mengatasi Masalah Variabel Ekonomi Makro Haqiqi Rafsanjani
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 5, No 1 (2020)
Publisher : Universitas Muhammadiyah Surabaya

kebijakan Islam dalam mengatasi gejolak variabel ekonomi makro, berikut ini akan dijelaskan terlebih dahulu tentang permasalahan dalam ekonomi makro, di mana terdapat tiga masalah utama yaitu: masalah inflasi, masalah pengangguran, masalah pertumbuhan ekonomi dan pemerataan distribusi pendapatan

Kewajiban Penyediaan Modal Minimum dan Faktor-Faktor yang Mempengaruhi Capital Adequency Ratio pada Bank Syariah di Indonesia Haqiqi Rafsanjani
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 5, No 2 (2020)
Publisher : Universitas Muhammadiyah Surabaya

AbstrakJurnal ini membahas tentang Kewajiban Penyediaan Modal minimum dan bertujuan untuk menganalisis faktor-faktor yang mempengaruhi tingkat kecukupan modal bank syariah. Capital Adequacy Ratio (CAR) digunakan sebagai variabel dependen, sementara itu inflasi, GDP, tingkat suku bunga, total asset, total pembiayaan, total deposito, ROA, ROE, dan NPF digunakan sebagai variabel independen. Data diperoleh dari laporan tahunan perbankan syariah dari Otoritas Jasa Keuangan (OJK) dan Badan Pusat Statistik (BPS). Menggunakan metode Vector Error Correction Model (VECM). Berdasarkan pada hasil uji statistik menunjukkan bahwa variabel-variabel makroekonomi dan kinerja keuangan perbankan syariah dalam jangka panjang berpengaruh terhadap CAR perbankan syariah.Kata-kata Kunci: Makroekonomi, ROA, ROE, NPF, CAR

Kepemimpinan Transformasional Haqiqi Rafsanjani
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 4, No 1 (2019)
Publisher : Universitas Muhammadiyah Surabaya

Model kepemimpinan transformasional merupakan model yang relatif baru dalam studi-studi kepemimpinan. Model ini di anggap sebagai model yang terbaik dalam menjelaskan karakteristik pemimpin. Konsep kepemimpinan transformasional mengintegrasikan ide-ide yang dikembangkan dalam pendekatan watak, gaya dan kontingensi. Burns (1978) merupakan salah satu penggagas yang secara eksplisit mendefinisikan kepemimpinan transformasional. Menurutnya, untuk memperoleh pemahaman yang lebih baik tentang model kepemimpinan transformasional, model ini perlu dipertentangkan dengan model kepemimpinan transaksional.

MARKETING STRATEGY ANALYSIS OF GOLD PAWN PRODUCTS AT BANK SYARIAH INDONESIA: CASE STUDY AT BANK SYARIAH INDONESIA KCP SIDOARJO AHMAD YANI Erika; Rukhul Amin; Haqiqi Rafsanjani
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 1 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i1.2533

This study analyzes the marketing strategy of gold pawn products at Bank Syariah Indonesia (BSI) KCP Sidoarjo Ahmad Yani with the Marketing Mix 7P approach. The method used is qualitative with a phenomenological approach, where data is obtained through interviews and observations. The results of the study indicate that the marketing strategy includes products, prices, promotions, places, people, physical evidence, and processes. BSI gold pawn products excel in low deposit fees (ujroh), high estimated value, and fast service through BSI Mobile and Byond. The pricing strategy uses the Basic Gold Price (HDE) based on the average gold price in the last four months and considering competitor prices. Promotion is carried out through flyers, banners, socialization, application pop-ups, and WA Blast. Product distribution is easier with digital services that allow customers to make transactions without going to a branch office. In terms of service, customer service plays a role in providing information and assisting with transactions. Physical evidence can be seen from the office facilities and attractive promotional materials. The gold pawn process is made efficient, from handing over gold to disbursing funds and extending the pawn digitally. Although still facing competition with conventional pawnshops, the 7P-based marketing strategy has proven to increase the appeal of this product. More aggressive innovation and promotion are needed so that BSI gold pawnshops are better known to the public.

THE INFLUENCE OF PROBLEM FINANCING ON THE PERFORMANCE OF SYARIAH BANKS IN INDONESIA Lely Dwi Rahmawati; Haqiqi Rafsanjani; Tiara Anindya Virana
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 3 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i3.2963

In the context of economic globalization, the Islamic banking sector has demonstrated significant growth. However, a major challenge faced by Islamic banks is the high ratio of Non-Performing Financing (NPF), which can hinder the banks' financial performance. This study aims to investigate whether problematic financing, known as Non-Performing Financing (NPF), affects the financing performance of Islamic banks in Indonesia during the 2014-2023 period. The research adopts a quantitative approach using Time-Series methods and analytical techniques such as Vector Error Correction Model (VECM) to evaluate the relationship between Non-Performing Financing (NPF) and Return on Assets (ROA) and Capital Adequacy Ratio (CAR) as indicators of bank performance. The findings of this study reveal a negative relationship between NPF and both ROA and CAR, considering the importance of risk management in maintaining the performance of Islamic banks. This research contributes to understanding the performance dynamics of Islamic banks in Indonesia and their implications for financial system stability.

THE INFLUENCE OF PROFITABILITY AND LIQUIDITY ON SUKUK RATINGS OF COMPANIES LISTED ON THE INDONESIA STOCK EXCHANGE Mohammad Sya’roni; Haqiqi Rafsanjani; Rifa’atul Maftuhah
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 3 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i3.3077

This study aims to analyze the effect of profitability and liquidity on sukuk ratings in companies listed on the Indonesia Stock Exchange for the period 2021–2024. Profitability is measured using Return on Assets (ROA) and liquidity is measured by Current Ratio (CR). The research method uses panel data regression analysis with the Random Effect Model (REM) approach, after going through the Chow, Hausman, and Lagrange Multiplier tests. The results of the study show that profitability does not have a significant effect on sukuk ratings, while liquidity has a significant effect. The coefficient of determination (Adjusted R²) of 8.15% indicates that profitability and liquidity together are able to explain the variation in sukuk ratings by 8.15%, the rest is explained by other variables outside the model. These findings provide insight for investors in considering the liquidity aspect as the main indicator in assessing the risk and potential returns from sukuk investments.

Co-Authors Bella Gita Novalia Erika Inayah Aulia Rahma Irma Muzdalifa Lely Dwi Rahmawati Mohammad Sya’roni Rifa'atul Maftuhah Rifa'atul Maftuhah Rifa’atul Maftuhah rukhul amin Tiara Anindya Virana

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