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Analisis Camel Pada Bank Syariah dan Dampaknya Terhadap Risiko Kredit Rakhmat, Adrianna Syariefur; Fahamsyah, Mohammad Hatta; Nurastuti, Preatmi; Ainulyaqin, Muhammad Hamdan
Jurnal Ilmiah Ekonomi Islam Vol 10, No 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.15429

Abstract

This research aims to analyze the influence of ROA, NPF, NPM, BOPO and FDR on CAR. The sample used in this research used 60 data. The analytical tools used were Classic assumption test, multiple linear regression, t test, F test and determinant coefficient. The research results show that partially the variable Return on Assets (ROA) has a positive and significant effect on the Capital Adequation Ratio (CAR) and the Financing to Deposit Ratio (FDR) has a positive and insignificant effect on the Capital Adequation Ratio (CAR). Meanwhile, Non-Performing Financial (NPF), Net Profit Margin (NPM) and Operating Costs/Operating Income (BOPO) have a negative and significant effect on the Capital Adequation Ratio (CAR). Simultaneously, the variables Return on Assets (ROA), Non-Performing Financing (NPF), Net Profit Margin (NPM), Operational Costs/Operational Income (BOPO), and Financing to Deposit Ratio (FDR) have a significant positive effect on the Capital Adequation Ratio (CAR ). The determinant coefficient r square value of 0.571 means that the variables Return on Assets (ROA), Non-Performing Financing (NPF), Net Profit Margin (NPM), Operational Costs/Operational Income (BOPO), and Financing to Deposit Ratio (FDR) have an impact on The Capital Adequation Ratio (CAR) is 57.1% and there are still other variables remaining at 42.9%
Analisis Camel Pada Bank Syariah dan Dampaknya Terhadap Risiko Kredit Rakhmat, Adrianna Syariefur; Fahamsyah, Mohammad Hatta; Nurastuti, Preatmi; Ainulyaqin, Muhammad Hamdan
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.15429

Abstract

This research aims to analyze the influence of ROA, NPF, NPM, BOPO and FDR on CAR. The sample used in this research used 60 data. The analytical tools used were Classic assumption test, multiple linear regression, t test, F test and determinant coefficient. The research results show that partially the variable Return on Assets (ROA) has a positive and significant effect on the Capital Adequation Ratio (CAR) and the Financing to Deposit Ratio (FDR) has a positive and insignificant effect on the Capital Adequation Ratio (CAR). Meanwhile, Non-Performing Financial (NPF), Net Profit Margin (NPM) and Operating Costs/Operating Income (BOPO) have a negative and significant effect on the Capital Adequation Ratio (CAR). Simultaneously, the variables Return on Assets (ROA), Non-Performing Financing (NPF), Net Profit Margin (NPM), Operational Costs/Operational Income (BOPO), and Financing to Deposit Ratio (FDR) have a significant positive effect on the Capital Adequation Ratio (CAR ). The determinant coefficient r square value of 0.571 means that the variables Return on Assets (ROA), Non-Performing Financing (NPF), Net Profit Margin (NPM), Operational Costs/Operational Income (BOPO), and Financing to Deposit Ratio (FDR) have an impact on The Capital Adequation Ratio (CAR) is 57.1% and there are still other variables remaining at 42.9%
Analysis of Blockchain Technology and Security Principles in Cryptocurrency Transactions according to the perspective of Islamic Economics: Case study : Smart Contract on the Ethereum Blockchain Network Sihabudin, Fahmi; Achmad, Listian Indriyani; 'Ainulyaqin, Muhammad Hamdan; Midisen, Kisanda; Edy, Sarwo
Ta'amul: Journal of Islamic Economics Vol. 1 No. 1 (2022): November
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/taamul.v1i1.2

Abstract

This study aims to understand the concept of security and privacy in blockchain technology through Islamic economics. Cryptocurrencies have been around for less than a decade, but they have caused divisions among religious scholars. Some Islamic scholars say that cryptocurrencies are haram or forbidden because they are based on speculation. Other scholars claim that cryptocurrencies are halal or permitted because they can be used for transactions that Islam considers legal. The debate over the legality of cryptocurrencies is complicated by the lack of a clear consensus among Islamic scholars. There is also disagreement over whether or not to allow investments in cryptocurrencies. This study uses a qualitative approach. Data collection was carried out using structured interviews with a number of respondents, including Islamic scholars and lecturers. The results of the study show that blockchain as a digital security transaction solution with its data decentralization is in line with the principles of Islamic Economics in the non-monetary field, but contradicts the principles of Islamic Economics in the monetary sector because of the obligation to follow the official Government in Monetary Policy.
Studi Literatur: Pelaksanaan Audit Syariah Pada Perbankan Syariah Azizah Surury, Nurul; Hamdan Ainulyaqin, Muhammad
SINOMIKA Journal: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi Vol. 1 No. 4 (2022)
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sinomika.v1i4.386

Abstract

This study analyzes several things about sharia auditing in sharia banking, including: the concept of supervision, sharia audit framework and governance of Islamic financial institutions; the role of sharia auditors in the Halal Assurance System in Sharia Banks; the role and competence of sharia auditors in supporting sharia banking performance; effectiveness of sharia audit in Indonesia and perspective according to Al-Quran and Hadith; sharia audit challenges; and Islamic bank audits. This research method uses qualitative methods, namely library research by selecting 5 (five) journals and 1 (one) book on sharia auditing. Audits in Islamic banks and conventional banks are very different, so that effective supervision is needed on Islamic banks, in this case a sharia auditor is needed. Sharia auditors have a broader scope, sharia auditors must review sharia compliance to ensure that all operational activities of sharia financial institutions are in accordance with sharia principles. A sharia auditor must also have competence that can be proven through a special certification exam for sharia auditors.
Pengembangan Ekonomi Berbasis Pesantren Adrianna Syariefur Rakhmat; Ainulyaqin, Muhammad Hamdan; Edy, Sarwo; Permana, Indra; Ardianto, Riski Eko
Lentera Pengabdian Vol. 1 No. 01 (2023): Januari 2023
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/lp.v1i01.10

Abstract

Sumber pendapatan utama MTs Tarbiyatul Mubtadi’in adalah SPP (Sumbangan Pembinaan Pendidikan) dan Bantuan Operasional Sekolah (BOS). Begitupula dengan santrinya yang berjumlah sekitar 100an, dengan demikian sumber dana Pesantren masih sangatlah terbatas. Keterbatasan dana ini lah yang menjadikan honor pendidik/guru/ustadz di MTs Tarbiyatul Mubtadi’in masih terbatas. Kesejahteraan guru pada suatu lembaga pendidikan harus difikirkan dengan matang. Kesejahteraan guru akan menunjang profesionalisme seorang guru tersebut.. Dalam rangka meningkatkan kesejahteraan guru/ustadz, maka Pesantren perlu membentuk UMKM atau koperasi. UMKM ini perlu didaftarkan agar memiliki akses pembiayaan dan akses bantuan dari pemerintah. Pengabdian masyarakat ini dilaksanakan di Pondok Pesantren Tarbiyatul Mubtadi’in yang terletak di Kampung Buwek Desa Sumber Jaya Kabupaten Bekasi. Kegiatan ini diawali dengan sosialisasi kepada Pimpinan Pondok Pesantren mengenai pentingnya legalisasi Usaha Menengah Kecil Mikro (UMKM) Pesantren, dan selanjutnya dilakukan pendampingan terhadap staff atau ustadz atau guru yang mengelola usaha Pesantren.
Meningkatkan Kapabilitas Kewirausahaan Guru Pesantren Adrianna Syariefur Rakhmat; Riski Eko Ardianto; Indra Permana; Muhammad Hamdan Ainulyaqin; Sarwo Edy
Lentera Pengabdian Vol. 1 No. 04 (2023): Oktober 2023
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/lp.v1i04.118

Abstract

Sumber pendapatan utama MTs Tarbiyatul Mubtadi’in adalah SPP (Sumbangan Pembinaan Pendidikan) dan Bantuan Operasional Sekolah (BOS). Begitupula dengan santrinya yang berjumlah sekitar 100an, dengan demikian sumber dana Pesantren masih sangatlah terbatas. Keterbatasan dana ini lah yang menjadikan honor pendidik/guru/ustadz di MTs Tarbiyatul Mubtadi’in masih terbatas. Kesejahteraan guru pada suatu lembaga pendidikan harus difikirkan dengan matang. Kesejahteraan guru akan menunjang profesionalisme seorang guru tersebut. Dalam rangka meningkatkan kesejahteraan guru/ustadz, maka Pesantren perlu membentuk jiwa kewirausahaan guru. Pengabdian masyarakat ini dilaksanakan di Pondok Pesantren Tarbiyatul Mubtadi’in yang terletak di Kampung Buwek Desa Sumber Jaya Kabupaten Bekasi. Kegiatan ini dilakukan melalui sosialisasi kepada Pimpinan Pondok Pesantren mengenai pentingnya guru dalam meningkatkan kompetensi kewirausahaan guna meningkatkan kesejahteraannya.
Pengembangan Ekonomi Kreatif UMKM Berbasis Pemanfaatan Potensi Sumber Daya Alam Setyowati, Rini; Edy, Sarwo; Juariah, Siti; Ainulyaqin, Muhammad Hamdan
Lentera Pengabdian Vol. 2 No. 01 (2024): Januari 2024
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/lp.v2i01.292

Abstract

Ekonomi kreatif merupakan kegiatan perekonomian berupa pengembangkan inovasi dan kreativitas, keterampilan, serta bakat individu untuk menciptakan kesejahteraan. Tujuan dari PKM ini adalah untuk menumbuhkan kemampuan berkreasi dan berinovasi UMKM dengan memanfaatkan SDA di lingkungan sekitar. Pembinaan ekonomi kreatif dalam perspektif pendidikan ekonomi dilakukan melalui transfer pengetahuan, baik secara formal maupun nonformal. Metode pelaksanaan kegiatan ini melalui presentasi, ceramah, interaksi timbal-balik antara sesame peserta. Sasaran dari kegiatan PKM ini adalah para pelaku UMKM setempat. Pembinaan para pelaku UMKM ini menghasilkan ide-ide kreativitas para pelaku UMKM dengan pemanfaatan SDA yang ada yang bernilai jual tinggi.
Implementation Of Prophetic Leadership Values In Human Resource Management In The Digital Era Syuhada, Wira; 'Ainulyaqin, Muhammad Hamdan
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 10, No 2 (2024): DESEMBER 2024
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v10i2.13743

Abstract

Digital transformation has introduced new challenges in human resource management, necessitating an adaptive leadership style that also upholds core values. This study investigates and analyzes how prophetic leadership values can be applied in contemporary human resource management by interpreting leadership verses from the Qur'an*. Employing a qualitative methodology that combines thematic interpretation and content analysis, the research focuses on 47 Quranic verses that pertain to leadership, correlating them with modern HRM principles. The findings highlight five key prophetic leadership values that are pertinent to HRM in today's digital landscape: (1) al-'adalah (justice) in reward and performance management, (2) al-amanah (trust) in talent management, (3) at-tawazun (balance) in work-life integration, (4) al-hikmah (wisdom) in decision-making processes, and (5) al-mas'uliyyah (accountability) in governance systems. The proposed implementation model offers a new framework for embedding prophetic values into digital HRM practices, structured around three levels of transformation: mindset, systems, and technology. This research enhances the Sharia management knowledge base and provides practical solutions for organizations to align digital transformation with Islamic leadership principles.
Kajian Tazkiyatun Nafs dalam Membangun Kesehatan Mental dan Spiritual Masyarakat di Lingkungan Masjid Jami’ Nurul Iman Desa Telaga Murni Cikarang Barat Badruzzaman, Aceng; Nugroho, Djoko; Ainulyaqin, Muhammad Hamdan; Ermanto, Ermanto
El-Mujtama: Jurnal Pengabdian Masyarakat  Vol. 5 No. 4 (2025): El-Mujtama: Jurnal Pengabdian Masyarakat 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmujtama.v5i4.7943

Abstract

This community service aims to build the mental and spiritual health of the community through tazkiyatun nafs studies carried out at the Jami' Nurul Iman Mosque, Telaga Murni Village, West Cikarang. The main problems raised are the increasing psychological pressure and weak spiritual resilience of the community due to a competitive work environment and lack of spiritual development space. This activity uses a Participatory Action Research (PAR) approach by actively involving mosque congregations in every process. Data were collected through observation and interviews. The results showed that the majority of participants experienced significant improvements in aspects of emotional management, peace of mind, and discipline in worship. The study materials include themes such as muhasabah, muraqabah, patience, gratitude, as well as dhikr and tafakur, which are delivered interactively and applicatively. The implications of this activity show the importance of routine psychospiritual development in the mosque environment to form a mentally stable and spiritually strong society. It is recommended that this activity be made a routine DKM program and replicated in other mosques with the support of academics and local religious figures in order to expand its benefits and impacts sustainably.