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p-Index From 2021 - 2026
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This Author published in this journals
All Journal International Journal of Islamic Economics (IJIE)
Muhammad Hanafi Zuardi
IAIN METRO
Economics, Econometrics & Finance

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Measuring Healthiness Of Islamic Banks Using Solvabilitas Financial Ratios Muhammad Hanafi Zuardi
Jurnal Internasional Ekonomi Islam Vol 3 No 01 (2021): International Journal of Islamic Economics
Publisher : The Postgraduate of Institut Agama Islam Negeri Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/ijie.v3i1.3279

Abstract

The purpose of the study was to analyze the soundness level of PT Bank Central Asia (BCA) Syariah using the solvency ratio for the 2015-2019 period. This type of research is quantitative with a descriptive approach, where the data source used is secondary data sources. The data collection technique uses the documentation method in the form of financial reports which have been presented on the official website of PT BCA Syariah. The data analysis technique uses the assessment of the level of health using the solvency ratio with independent variables and measurement using the CAR and DER ratios. The results showed that the CAR ratio for the 2015-2019 period was ranked 1 in the very healthy category, namely the CAR ratio was greater than the predetermined bank health standard, namely 8%. Meanwhile, the DER ratio for the 2015-2019 period experienced a significant increase. This increase in the DER ratio indicates that the condition of the DER ratio is in an unhealthy state, because the calculation of the DER ratio is more than the minimum health standard for the DER ratio, namely DER <58%. Based on the results of the study, the health composite ranking of PT BCA Syariah using the Solvency Ratio in 2015-2019 The CAR ratio is in a healthy rating, while the DER ratio is in a very unhealthy rating. so this indicates that the bank has not been able to finance its long-term and short-term debt with its own capital.
Quick Response Code Indonesian Standard (QRIS) In Terms of Maqashid Sharia Raditio Wahid; Muhammad Hanafi Zuardi
Jurnal Internasional Ekonomi Islam Vol 5 No 01 (2023): International Journal of Islamic Economics
Publisher : The Postgraduate of Institut Agama Islam Negeri Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/ijie.v5i01.7371

Abstract

This research discusses technological developments in the economic field. Quick Response Code Indonesian Standard is a tool used to transact through digital technology, in the muamalah point of view, every development must be carried out a legal determination that can be used as a basis for its use. The determination method used in Islamic economics is Maqashid Sharia by weighing the benefits and harms in an object, therefore this study aims to analyze the use of Quick Response Code Indonesian Standard in review of Maqashid Sharia. This research uses qualitative methods with the type of library research that is analyzed maslahah mursalah. In this study it is known that the use of Quick Response Code Indonesian Standard (QRIS) contains benefits. These results are in line with the concept of maqashid sharia whose main goal is benefit, avoiding harm to all people, prioritizing the objectives of shara', not contradicting the Qur'an and sunnah.
Co-Authors Raditio Wahid