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Financial Attitude and Spiritual Intelligence as Predictors of Financial Management Behavior in LAZISMU Employees Muhammadiyah Center Andi Amri; Mitra Sami Gultom
JURNAL EKONOMI SYARIAH Vol 8, No 1 (2023): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v8i1.6694

This study aims to see the influence of financial attitude on financial management behavior in employees of LAZISMU Muhammadiyah Center and also the influence of spiritual intelligence on financial management behavior on employees of LAZISMU Employees Muhammadiyah Center. The type of research used is quantitative with a causality approach. The population in this study was all employees of LAZISMU Muhammadiyah Center, so that as many as 55 respondents were obtained after sampling with purposive sampling. Data analysis techniques use multiple linear regression. The results showed that Financial Attitude has a positive and significant effect on Financial Management Behavior and similarly Spiritual Intelligence also has a positive and significant effect on Financial Management Behavior. The results of this study on an R2 basis had a considerable influence, namely 70.6% while the remaining 29.4% of other factors outside this study.

ANALISIS PENERAPAN SISTEM PENGELOLAAN DANA TERPADU MUHAMMADIYAH Ahmad Said; Eko Susanto; Andi Amri
Ekonomi Islam Vol. 13 No. 1 (2022): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

This research is motivated by an analysis of the organizational structure of fund management in Muhammadiyah which is autonomous, individual and egalitarian so that the management of funds is left to each institution/business charity under Muhammadiyah. The purpose of this study is to obtain information on how effective the Muhammadiyah cash management integrated fund management system is in collecting business charity funds, to find out the factors that influence the implementation of an integrated fund management system for cash management services, and to identify and analyze how much benefit is felt from the integrated fund management system. Muhammad. The method used is an analytical-identification method. Data collection techniques through two stages and the types of data used are primary data and secondary data. The results show that institutional liquidity for public perception has a significant influence on the level of benefit, profits for respondents' perceptions and suggestions have a significant influence on the level of benefit, member satisfaction for community perceptions has an insignificant effect on the level of benefit, member involvement for community perceptions has a significant influence on the level of benefit, and business sustainability has a significant influence on the level of benefit. Keywords; Implementation, Management, Integrated Fund, Business Charity, Muhammadiyah.

ANALISIS PENERAPAN SISTEM PENGELOLAAN DANA TERPADU MUHAMMADIYAH Ahmad Said; Eko Susanto; Andi Amri
Ekonomi Islam Vol. 13 No. 1 (2022): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v13i1.8582

This research is motivated by an analysis of the organizational structure of fund management in Muhammadiyah which is autonomous, individual and egalitarian so that the management of funds is left to each institution/business charity under Muhammadiyah. The purpose of this study is to obtain information on how effective the Muhammadiyah cash management integrated fund management system is in collecting business charity funds, to find out the factors that influence the implementation of an integrated fund management system for cash management services, and to identify and analyze how much benefit is felt from the integrated fund management system. Muhammad. The method used is an analytical-identification method. Data collection techniques through two stages and the types of data used are primary data and secondary data. The results show that institutional liquidity for public perception has a significant influence on the level of benefit, profits for respondents' perceptions and suggestions have a significant influence on the level of benefit, member satisfaction for community perceptions has an insignificant effect on the level of benefit, member involvement for community perceptions has a significant influence on the level of benefit, and business sustainability has a significant influence on the level of benefit. Keywords; Implementation, Management, Integrated Fund, Business Charity, Muhammadiyah.

Analisis determinan yang menentukan minat menggunakan produk bank syariah Andi Amri; Elfa Renita
INOVASI Vol 19, No 2 (2023): Mei
Publisher : Faculty of Economics and Business Mulawarman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jinv.v19i2.12866

Dalam penelitian ini yang ingin dilakukan adalah mengetahui pengaruh dari literasi keuangan syariah, kecerdasan spiritual, dan inklusi keuangan syariah terhadap minat menggunakan produk bank syariah dengan studi pada santri Pondok Pesantren Babussalam. Penelitian ini menggunakan jenis penelitian kuantitatif dengan pendekatan kausalitas. Sementara pengumpulan sampel menggunakan purposive sampling sehingga didapatkan 84 santri yang berasal dari Pondok Pesantren Babussalam. Analisis data menggunakan regresi linear berganda. Hasil penelitian menunjukkan literasi keuangan syariah dan kecerdasan syariah tidak memiliki pengaruh terhadap minat menggunakan produk bank syariah, sementara inklusi keuangan memiliki pengaruh yang signifikan dan bahkan positif terhadap minat menggunakan produk bank syariah. Secara keseluruhan hanya 49,8% faktor-faktor yang dikemukakan dalam artikel ini berpengaruh dan diindikasikan sisanya berada pada faktor lain yang tidak diteliti dalam artikel ini.

Preferensi Generasi Milenial dalam Menggunakan QRIS sebagai Alat Pembayaran Digital Mitra Sami Gultom; Huda Salsabila; Andi Amri
Jurnal Inovasi Pendidikan Ekonomi (JIPE) Vol 13, No 1 (2023): Jurnal Inovasi Pendidikan Ekonomi
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/011194030

The understanding of the millennial generation in using and utilizing QRIS is still low, even though Bank Indonesia and OJK have supported the implementation of QRIS in finance. This study aims to determine the preferences of Indonesian Islamic Bank customers, especially the Millennial Generation in Using Digital Payment Instruments, namely QRIS in DKI Jakarta. The type of research used is a quantitative method with the population is the millennial generation who live in the province of DKI Jakarta. The sample obtained was 100 respondents using purposive sampling technique. The data analysis technique used is multiple linear regression with the help of SPSS software. The findings obtained are partially usefulness perception and trust perception have a positive and significant effect on preferences in using QRIS. Meanwhile, the perceived convenience and risk perception variables have a negative and insignificant effect on customer preferences. Simultaneously, these factors have an influence on the preferences of Indonesian Islamic Bank customers.

TANTANGAN DAN STRATEGI IMPLEMENTASI KURIKULUM MERDEKA PADA JENJANG SD: SEBUAH TEMUAN MULTI-PERSPEKTIF Jaka Warsihna; Zulmi Ramdani; Andi Amri; Mauliya Depriya Kembara; Irfana Steviano; Zulfikri Anas; Yogi Anggraena
Kwangsan: Jurnal Teknologi Pendidikan Vol 11, No 1 (2023): Kwangsan
Publisher : Balai Besar Guru Penggerak Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31800/jtp.kw.v11n1.p296--311

Curriculum changes often occur following the direction of technological developments and the basic needs desired from the curriculum. The existence of an independent curriculum is a new hope to provide more space for students to self-actualize. The purpose of this research is to explore the challenges and strategies that will be faced by various stakeholders in implementing an independent curriculum at the elementary school (SD) level. A qualitative research design with a case study model was carried out to answer these objectives. Researchers conducted a series of interviews and observations in 6 elementary schools in the city of Bandung, the city of Bogor and the city of Surakarta. This research involved the government, principals, teachers and students to get a better picture of the implementation of the independent curriculum. The results showed that the presence of an independent curriculum was welcomed by all levels of education in this study. This is illustrated by the enthusiasm of all respondents to jointly study and implement the values of the independent curriculum in the learning process. The biggest challenges in the process of implementing this independent curriculum include the readiness of teachers as carriers of change in the classroom, school support in providing supporting facilities both material and non-material, to the diversity of students in a class. Meanwhile, the best thing to do now is to continue to optimize the good side of this independent curriculum together, and try to fix any shortcomings that may be felt. In general, the existence of this independent curriculum is a new benchmark for the development of the learning process that occurs in schools, so that it can be a joint evaluation to continue to develop the potential of existing students. AbstrakPerubahan kurikulum seringakali terjadi mengikuti arah perkembangan teknologi serta kebutuhan dasar yang diinginkan dari kurikulum tersebut. Keberadaan kurikulum merdeka menjadi harapan baru untuk memberikan ruang yang lebih banyak bagi siswa untuk melakukan aktualisasi diri. Tujuan dari penelitian ini adalah melakukan eksplorasi terkait tantangan dan strategi yang akan dihadapi berbagai stakeholder dalam mengimplementasikan kurikulum merdeka di jenjang sekolah dasar (SD). Desain penelitian kualitatif dengan model studi kasus dilakukan untuk menjawab tujuan tersebut. Peneliti melakukan serangkaian wawancara dan observasi di 6 sekolah dasar yang ada di kota Bandung, kota Bogor dan kota Surakarta. Penelitian ini melibatkan pihak dinas, kepala sekolah, guru dan siswa untuk mendapatkan gambaran yang lebih baik tentang implementasi kurikulum merdeka. Hasil penelitian menunjukkan bahwa kehadiran kurikulum merdeka disambut baik oleh seluruh lapisan pendidikan dalam penelitian ini. Hal tersebut digambarkan dengan sikap antusiasme seluruh responden untuk sama-sama mempelajari dan mengimplementasikan values kurikulum merdeka dalam proses pembelajaran. Tantangan terbesar dalam proses impelementasi kurikulum merdeka ini diantaranya berasal dari kesiapan guru sebagai pembawa perubahan di kelas, dukungan sekolah dalam memberikan fasilitas penunjang baik bersifat materil maupun non-materil, hingga keragaman siswa dalam suatu kelas. Sementara itu, cara terbaik yang dilakukan saat ini adalah terus bersama-sama mengoptimalkan sisi baik dari kurikulum merdeka ini, serta berusaha memperbaiki kekurangan yang mungkin dirasakan. Secara umum, keberadaan kurikulum merdeka ini menjadi tolak ukur baru tentang semakin berkembangnya proses pembelajaran yang terjadi di sekolah, sehingga bisa menjadi evaluasi bersama untuk terus mengembangkan potensi siswa yang ada.

Effect of Individual Attributes toward Financial Management Behavior through Locus of Control Andi Amri; Tri Widyastuti; Syamsul Bahri; Zulmi Ramdani
ETIKONOMI Vol 22, No 2 (2023)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v22i2.26563

Only a few studies have examined the use of comprehensive variables in determining financial management behavior, though the model involves many other variables. Therefore, this study aimed to examine the locus of control as a mediator variable in the effect of financial attitude and knowledge, income, and spiritual intelligence on financial management behavior. It used a quantitative descriptive method and involved 391 respondents determined through convenience sampling. The results showed that financial attitude and spiritual intelligence significantly impact financial management behavior through locus of control. Whereas in the other two variables, namely financial knowledge, and income, the role of the mediator does not function effectively, so it does not have an indirect effect. These findings have implications for individuals to practice financial readiness in daily financial life. The information obtained also strengthens the role of self-control in financial management.JEL Classification: G40, G41How to Cite:Amri, A., Widyastuti, T., Bahri, S., & Ramdani, Z. (2023). Effect of Inidvidual Attributes toward Financial Management Behavior through Locus of Control. Etikonomi, 22(2), 443 – 456. https://doi.org/10.15408/etk.v22i2.26563.

Pelatihan Pemanfaatan Aplikasi Zahir Accounting di SMA Muhammadiyah 4 Jakarta Andi Amri; Ade Putri Muliya; Aryo Alamsyah; Whiz Alriz Luth’v Alriz Luth’v
BERNAS: Jurnal Pengabdian Kepada Masyarakat Vol. 5 No. 1 (2024)
Publisher : Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/jb.v5i1.8121

Accounting computerisation is the process of processing accounting data from manual to automatic using computer media which aims as a tool to facilitate effective and efficient recording work. The use of accounting computers has been widely used in various companies and even introduced in vocational schools, one of which is MYOB Accounting. However, among high school students this is something new. This is evidenced by the low understanding of students, especially SMA Muhammadiyah 4 Jakarta, in using accounting computer applications. In addition, the software chosen is Zahir Accounting which is not popular among academics but this application is an Indonesian product that should be introduced in education in schools and lectures. The purpose of this service is to provide training to Economics teachers and students of SMA Muhammadiyah 4 Jakarta regarding the use of the Zahir Accounting application. At least the theoretical in using this application can be well understood to all audiences. Respondents involved were definitely Economics teachers and social studies students with a total of 45 people. The results of the service show that the service activities are carried out in 5 steps, namely the start-up, socialisation, preparation, implementation, and evaluation stages. Based on these five stages, it can be obtained that there is an increase in knowledge and practicum in using the Zahir Accounting application so that in the future there will be an increase in productivity and management of teachers and students at SMA Muhammadiyah 4 Jakarta. Meanwhile, the results of this service can be a recommendation for the leadership of SMA Muhammadiyah 4 Jakarta in improving the skills and abilities of teachers and students in using Zahir Accounting which will later be included as one of the materials in the syllabus.

Peranan Manajemen Likuiditas terhadap Operasional dan Tingkat Kesehatan Bank Syariah Nurrachmawati Nurrachmawati; Frahmi Laila Angraini; Fatika Khairun Nisa; Andi Amri
Al-Istimrar: Jurnal Ekonomi Syariah Vol. 2 No. 2 (2023): Edisi Desember 2023
Publisher : Institut Syekh Abdul Halim Hasan Binjai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59342/istimrar.v2i2.460

Artikel ini bertujuan untuk mengetahui bagaimana peran manajemen likuiditas terhadap operasional dan Tingkat Kesehatan bank syariah. Jenis penelitian ini diolah menggunakan kajian pustaka (library research). Hasil yang diperoleh dari penelitian ini adalah bahwasanya manajemen likuditas yang baik menunjukan bank dalam kondisi yang sehat begitupun sebaliknya jika manajemen likuiditas bank tidak baik maka bank mengalami kondisi yang kurang sehat bahkan tidak sehat. Tingkat Kesehatan yang dialami oleh bank syariah akan me jadi salah satu faktor kepercayaan nasabah untuk menitipkan dananya (DPK) pada bank, sehingga bank dapat beroperasi. Dengan demikian diadakannya manajemen risiko likuditas untuk mengantisipasi hal-hal yang tidak diinginkan. Jika dibandingkan bank konvensional manajemen risiko bank syariah lebih lemah, karena bank syariah membatasi akses pasar uang yang tidak sesuai dengan prinsip syariah. ini menjadi tantangan bagi bank syariah itu sendiri. Namun disamping kelemahannya bank syariah juga memiliki keunggulan yaitu menggunakan bagi hasil dalam operasionalnya bukan bunga, dimana bagi hasil tingkat risiko likuiditasnya itu rendah.

Analisis Perkembangan Kinerja Keuangan BSI Sebelum dan Sesudah Merger Eliya Salsabila; Intan Nur Fajriyah; Nur Alifah Rangkuti; Andi Amri
Al-Istimrar: Jurnal Ekonomi Syariah Vol. 2 No. 2 (2023): Edisi Desember 2023
Publisher : Institut Syekh Abdul Halim Hasan Binjai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59342/istimrar.v2i2.461

Indonesia adalah negara dengan jumlah penduduk terbesar di dunia, dan mayoritas penduduknya beragama Islam.Terlepas dari keunggulan demografisnya, pangsa pasar bank syariah masih tertinggal jauh dibandingkan bank tradisional. Untuk mengisi kesenjangan tersebut, Bank Syariah Indonesia (BSI) didirikan melalui penggabungan tiga bank nasional syariah: Bank Syariah Indonesia Negara, Bank Syariah Rakyat Indonesia dan Bank Syariah Mandiri. Tujuan utama BSI adalah untuk meningkatkan pangsa pasar dan dengan demikian memperkuat posisi bank-bank Syariah dalam lanskap keuangan Indonesia. Diposisikan sebagai katalisator pembangunan ekonomi nasional, BSI bertujuan untuk memberikan kontribusi bagi kesejahteraan masyarakat luas. Metode penelitian yang digunakan adalah kualitatif dan deskriptif serta mencakup pencarian literatur untuk mengolah data yang relevan. Menurut penelitian, BSI telah menjadi bank syariah terbesar di Indonesia. Yang mengesankan, dalam waktu lebih dari dua tahun sejak didirikan, BSI telah membuktikan diri sebagai pesaing yang kuat, menduduki peringkat ketujuh di antara bank-bank nasional yang beroperasi di Indonesia. Pertumbuhan ini mencerminkan efektivitas strategi BSI dalam menghadapi persaingan sektor perbankan dan menyoroti potensinya untuk lebih membentuk dan mempengaruhi lanskap keuangan negara.

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