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Qard Al Hasan: Instrumen Moneter Syariah Dalam Peningkatan Kesejahteraan Masyarakat Indonesia Rini, Nova
At-Tamwil: Journal of Islamic Economics and Finance Vol 2 No 2 (2023): At-Tamwil: Journal of Islamic Economics and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v2i2.8047

Conventional interest-based monetary policy has yet to be effective in overcoming monetary problems. So, this article is to discuss how to apply qard al hasan as one of the sharia monetary instruments in Indonesia. The method used is literature study. The results of the analysis and discussion show that Qard al Hasan's Monetary Policy can be implemented in Indonesia. This is because Qard al Hasan is very in accordance with the Qur'an and Hadith and the implementation of Qard al Hasan-based monetary policy can not only stabilize prices and inflation, but also can increase national production or GDP and reduce the number of poor people. Bank Indonesia as the executor of Monetary Policy can apply the Qard al Hasan system, because Bank Indonesia has started to create a database of community groups that have Micro, Small and Medium Enterprises, so that the implementation of Qard al Hasan in Indonesia can be implemented.

Content Analysis of Green Banking Reports as an Effort to Fulfill Sustainability Susilawati, Susi; Rini, Nova; Hasanah, Nur
Journal of Business and Management Review Vol. 5 No. 4 (2024): (Issue-April)
Publisher : Profesional Muda Cendekia Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47153/jbmr54.9392024

Research Aims: This research aims to explore green banking disclosure among banks listed on IDX-IC shares in Indonesia. Design/methodology/approach: The method used involves conducting content analysis using indicators from research by Bose et al. (2018) and Handajani (2019). The total number of indicators is 21 items, covering the reporting period of 2019-2022. Research Findings: The research results help explain the development of the quality of disclosure in bank sustainability reports (green banking) in Indonesia, as well as the effectiveness of mandatory sustainability reports in the banking sector. Previously, some people believed that banks' contribution to environmental damage was relatively low. However, research results show that banks are beginning to concentrate on sustainability programs. In 2019, the percentage of disclosure was 50.71%; in 2020, it was 56.19%; in 2021, it was 57.76%; and in 2022, it was 62.74%. Although still relatively low, there has been a notable improvement in the quality of sustainability report information from 2021 to 2022. Theoretical Contribution/Originality: This research contributes to the literature related to bank disclosures in their activities supporting the SDGs and discusses the extent to which banks prioritize environmentally friendly banking activities. Keywords: sustainable bank, green banking, content analysis

DOES THE COMMUNITY'S PERSPECTIVE ENCOURAGE CUSTOMERS TO TAKE FINANCING PRODUCTS AT SHARIA BANK? Muharromah, Syahriyatul; Huda, Nurul; Muslikh, Muslikh; Rini, Nova
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 9 No. 2 (2023): JULY - DECEMBER 2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v9i2.47143

This study aims to determine community interest in financing products at Islamic banks with a modified Theory Planned Behavior (TPB) approach. These modified TPB variables consist of knowledge, religiosity, attitudes, subjective norms and behavioural control. This research was conducted in Jakarta. Islamic banks located in the Jakarta area are the object of this research, and the sample is 130 respondents. The quantitative method with the Partial Least Square (PLS) analysis model approach with SmartPLS 2.0 software is the method used in this study. The variables of knowledge, religiosity, attitudes, subjective norms and behavioural control are exogenous, while the intervening variable is community interest, and the endogenous variable is financing decisions. The variables of knowledge, religiosity, attitudes, subjective norms and behavioral control, which have a direct positive and significant effect on the community's interest in using Islamic bank financing products, are the results of this study. Knowledge, Attitude and behavioural control directly and significantly positive affect the community's decisions to choose financing products in Islamic banks. The higher people's knowledge, Attitude and behavioural control, the higher the financing decision becomes the implications of this research result. Religiosity and subjective norms significantly negatively affect the decision to choose financing products in Islamic banks. In addition, community interest also has a positive and significant effect on financing decisions. This means that, community interest can significantly mediate knowledge, religiosity, subjective norms, attitudes, and behavioral control influence financing decisions. Based on the research results, Indonesian Islamic Banks can develop business by emphasizing the religiosity side to inspire people to prefer financing of Islamic banks over conventional banks. Furthermore, Bank Syariah Indonesia should use social-environmental reference factors like friends, family, neighbors and religious figures

ASPEK-ASPEK YANG MEMPENGARUHI REGULATOR DALAM PERKEMBANGAN WAKAF SAHAM DI INDONESIA Rini, Nova; Huda, Nurul; Anshori, Muslich; Supriatiningsih, Supriatiningsih; Muhidin, Muhidin; Zaenudin, Zaenudin
Proceeding National Conference Business, Management, and Accounting (NCBMA) 7th National Conference Business, Management, and Accounting
Publisher : Faculty of Economics and Business Universitas Pelita Harapan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Wakaf saham merupakan salah satu instrument yang termasuk dalam wakaf uang. Tujuan penelitian ini adalah untuk mengetahui aspek yang mempengaruhi regulator dalam perkembangan wakaf saham di Indonesia. Metode penelitian ini menggunakan metode penelitian kualitatif. Metode pengumpulan data berupa wawancara mendalam dengan informan adalah para ekspert di bidang akademisi, praktisi keuangan syariah di sekuritas, nazhir, wakif dan regulator. Metode analisis data menggunakan ANP (Analytic Networking Process). Hasil penelitian menunjukkan bahwa masalah, solusi dan strategi dari regulator terbagi atas aspek sanksi, perlindungan dan aturan operasional. Regulasi mengenai wakaf produktif seperti wakaf saham hingga hari ini belum terdapat pengaturan khusus yang mengatur mengenai wakaf saham secara rinci serta belum adanya dukungan penuh dari pemerintah terhadap regulasi wakaf saham Tantangan-tantangan dalam penerapan wakaf saham di Indonesia harus diperhatikan mengenai Aspek aturan operasional dimana mempunyai masalah utama yaitu belum adanya regulasi mengenai aturan jual beli wakaf saham berdasarkan nilai saham. Untuk mengatasi masalah tersebut adalah dengan pemerintah menerbitkan aturan teknis pengelolaan wakaf saham. Aspek perlindungan mempunyai masalah utama yaitu wakaf saham keluar dari Daftar Efek Syariah (DES). Untuk mengatasi masalah tersebut regulator perlu menerbitkan aturan saham yang diwakafkan keluar dari DES. Aspek sanksi mempunyai masalah utama yaitu sanksi untuk nazhir yang tidak professional mengelola wakaf saham. Untuk mengatasi hal tersebut regulator perlu menerbitkan sanksi untuk nazhir yang tidak professional mengelola wakaf saham.

SISTEM INFORMASI MANAJEMEN PENGKLASIFIKASIAN HADIST SHAHIH BUKHARI DAN MUSLIM MENGGUNAKAN ALGORITMA NEURAL NETWORK Rasenda, Rasenda; Rini, Nova; Supriatiningsih, Supriatiningsih
Proceeding National Conference Business, Management, and Accounting (NCBMA) 7th National Conference Business, Management, and Accounting
Publisher : Faculty of Economics and Business Universitas Pelita Harapan

Show Abstract | Download Original | Original Source | Check in Google Scholar

In the book of Bukhari and Muslim hadith there are 7008 hadith sentences, of the 7008 sentences the Hadith is not yet known a hadith included in the category of prohibitions or orders. By doing the classification, it will be easier for readers to understand the hadith. The classification of hadiths is done in several stages, including: pre-processing text, the use of word vector features, and modeling of neural network architecture with multilayer perceptron. The use of layers in neural networks and feature extraction with word vectors has proven to provide good results for the classification of hadiths. The results showed a fairly high degree of accuracy that is equal to 97.72% by using two layers and 256 neurons, this research can be used to classify hadiths which have the impact of making it easier for people to understand hadiths very well.

Impact of Understanding, Islamic Religiosity, Product Knowledge, and Trust on Intellectual Property Rights Waqf Intentions Huda, Nurul; Rini, Nova; Zulihar; Hulmansyah
JURNAL PENELITIAN Vol. 20 No. 1 (2023)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/jupe.v20i1.1095

This study aims to investigate the Indonesian Muslims' intention toward the intellectual property rights of Waqf. This article uses the quantitative method. This study used 210 respondents who have waqf knowledge. The data analysis method used is the Partial Least Square (PLS) method. The authors' contributions were divided into two. First, the significance of the indicators that make up the variables of intention, Islamic Religiosity, understanding, product knowledge, and trust in waqf institutions regarding the waqf intellectual property rights. Second, the significance of the factors that influence the intention of the Indonesian Muslims in waqf intellectual property rights. It was the Islamic religiosity variable that had a positive and significant influence on the intention of waqf intellectual property rights. The findings of this research support the Indonesian Waqf Board in increasing the collection of waqf assets from Muslim communities in Indonesia. The Indonesian Waqf Board needs to implement various waqf programs to increase the knowledge and understanding of Indonesian Muslims regarding waqf intellectual property rights. The variable Islamic Religiosity needs to increase in Indonesian society since it has a positive and significant influence on the intention of waqf intellectual property rights.

Al Hisbah in Modern Era : Investor Protection Institution in Indonesian Islamic Capital Market Sholikah, Mar'atus; Huda, Nurul; Rini, Nova; Fatwa, Nur; Wiliasih, Ranti
Jurnal Ilmiah Ekonomi Islam Vol 10, No 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.13145

This research aims to explore the evolution of the role of al hisbah in the financial sector, especially the capital markets industry. Along with the times and the increasing complexity of today's government bureaucracy, the role of al hisbah has been formed differently in each country according to their respective needs. This research uses an exploratory qualitative method with secondary data. The research results show that the role of al hisbah is very complex, one of which is in the financial sector of the capital market to carry out supervision in order to protect investors from both external and internal risks. In this case, the Financial Services Authority (OJK) plays the role of al hisbah which coordinates with the National Sharia Council (DSN) to ensure transactions and activities in the Indonesian Islamic capital market are safe and healthy.

Risk Based Bank Rating Analysis on Company Reputation and Value (Study on Islamic Commercial Banks in Indonesia) Wibawati, Roemy Asri Suasti; Fatwa, Nur; Sobari, Nurdin; Rini, Nova
Formosa Journal of Sustainable Research Vol. 4 No. 1 (2025): January 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjsr.v4i1.13693

The study investigates the performance of Indonesian Islamic Commercial Banks through a comprehensive analysis encompassing multiple critical dimensions. By examining key performance indicators such as corporate governance, financial profitability, capital structure, and reputation risk, the research provides a holistic evaluation of these financial institutions. The investigation leverages authorized rating agency assessments, specifically from Pefindo, to gauge the banks' stability and market positioning. Additionally, the study integrates the Indonesian Sharia Stock Index (ISSI) as a benchmark, focusing on Sharia-compliant bank stocks to understand their market dynamics. A distinctive aspect of the research is its multifaceted company valuation approach, which analyzes book value, market value, and intrinsic value. This methodology offers nuanced insights into the banks' current performance and future potential within the capital market. The primary findings reveal that accredited agency ratings and ISSI inclusion serve as robust indicators of Islamic banks' operational health. Moreover, the analysis demonstrates a significant correlation between stock prices and the fundamental financial performance of these banking institutions

SISTEM INFORMASI MANAJEMEN PENGKLASIFIKASIAN HADIST SHAHIH BUKHARI DAN MUSLIM MENGGUNAKAN ALGORITMA NEURAL NETWORK Rasenda, Rasenda; Rini, Nova; Supriatiningsih, Supriatiningsih
Proceeding National Conference Business, Management, and Accounting (NCBMA) 7th National Conference Business, Management, and Accounting
Publisher : Faculty of Economics and Business Universitas Pelita Harapan

Show Abstract | Download Original | Original Source | Check in Google Scholar

In the book of Bukhari and Muslim hadith there are 7008 hadith sentences, of the 7008 sentences the Hadith is not yet known a hadith included in the category of prohibitions or orders. By doing the classification, it will be easier for readers to understand the hadith. The classification of hadiths is done in several stages, including: pre-processing text, the use of word vector features, and modeling of neural network architecture with multilayer perceptron. The use of layers in neural networks and feature extraction with word vectors has proven to provide good results for the classification of hadiths. The results showed a fairly high degree of accuracy that is equal to 97.72% by using two layers and 256 neurons, this research can be used to classify hadiths which have the impact of making it easier for people to understand hadiths very well.

ASPEK-ASPEK YANG MEMPENGARUHI REGULATOR DALAM PERKEMBANGAN WAKAF SAHAM DI INDONESIA Rini, Nova; Huda, Nurul; Anshori, Muslich; Supriatiningsih, Supriatiningsih; Muhidin, Muhidin; Zaenudin, Zaenudin
Proceeding National Conference Business, Management, and Accounting (NCBMA) 7th National Conference Business, Management, and Accounting
Publisher : Faculty of Economics and Business Universitas Pelita Harapan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Wakaf saham merupakan salah satu instrument yang termasuk dalam wakaf uang. Tujuan penelitian ini adalah untuk mengetahui aspek yang mempengaruhi regulator dalam perkembangan wakaf saham di Indonesia. Metode penelitian ini menggunakan metode penelitian kualitatif. Metode pengumpulan data berupa wawancara mendalam dengan informan adalah para ekspert di bidang akademisi, praktisi keuangan syariah di sekuritas, nazhir, wakif dan regulator. Metode analisis data menggunakan ANP (Analytic Networking Process). Hasil penelitian menunjukkan bahwa masalah, solusi dan strategi dari regulator terbagi atas aspek sanksi, perlindungan dan aturan operasional. Regulasi mengenai wakaf produktif seperti wakaf saham hingga hari ini belum terdapat pengaturan khusus yang mengatur mengenai wakaf saham secara rinci serta belum adanya dukungan penuh dari pemerintah terhadap regulasi wakaf saham Tantangan-tantangan dalam penerapan wakaf saham di Indonesia harus diperhatikan mengenai Aspek aturan operasional dimana mempunyai masalah utama yaitu belum adanya regulasi mengenai aturan jual beli wakaf saham berdasarkan nilai saham. Untuk mengatasi masalah tersebut adalah dengan pemerintah menerbitkan aturan teknis pengelolaan wakaf saham. Aspek perlindungan mempunyai masalah utama yaitu wakaf saham keluar dari Daftar Efek Syariah (DES). Untuk mengatasi masalah tersebut regulator perlu menerbitkan aturan saham yang diwakafkan keluar dari DES. Aspek sanksi mempunyai masalah utama yaitu sanksi untuk nazhir yang tidak professional mengelola wakaf saham. Untuk mengatasi hal tersebut regulator perlu menerbitkan sanksi untuk nazhir yang tidak professional mengelola wakaf saham.

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