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All Journal JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Journal on Education jurnal ilmiah hospitality Al-Madaris Jurnal Pendidikan dan Studi Keislaman Ikhtisar: Jurnal Pengetahuan Islam Al-Hijrah: Journal of Islamic Economics and Banking
Anisa, Anisa Marseli
Institut Agama Islam Sumatera Barat
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Physics Social Sciences Other

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INVESTASI DANA ZAKAT SEBELUM DIDISTRIBUSIKAN KEPADA MUSTAHIQ DALAM PERSPEKTIF HUKUM EKONOMI SYARIAH Marseli, Anisa; Zainuddin, Zainuddin
JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Vol. 6 No. 2 (2020): Jurnal Syarikah
Publisher : Program Studi Ekonomi Islam FEI UNIDA Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jsei.v6i2.1862

Abstract

Artikel ini mengkaji hukum menginvestasikan dana zakat sebelum dibagikan kepada mustahiq. Masalahnya adalah di satu sisi dana zakat milik mustahiq, di sisi lain amil bertindak hukum di atas milik mustahiq tanpa ada keizinannya. Jenis penelitian ini adalah penelitian kepustakaan. Data dalam penelitian ini dikumpulkan dengan cara membaca literatur yang relevan dengan hukum menginvestasikan dana zakat sebelum dibagikan kepada mustahiq dan dianalisis dengan menggunakan deskriptif kualitatif. Hasil dari penelitian ini adalah hukum menginvestasikan dana zakat oleh amil sebelum didistribusikan kepada mustahiq tidak boleh. Hal ini dikarenakan dana zakat adalah milik penuh mustahik, pihak pengenola hanya sebagai perantara antara muzakki dan mustahik. Di sisi lain, menginvestasikan dana zakat akan menangguhkan pendistribusiannya atau pembagian harta kepada yang berhak menerimanya (muzakki) padahal pembayaran zakat itu sendiri harus fauriyyah.
PENGARUH DANA PIHAK KETIGA (DPK) DAN PEMBIAYAAN MURABAHAH TERHADAP PROFIT DENGAN NON PERFOMING FINANCING (NPF) SEBAGAI VARIABEL INTERVENING PADA KJKS BMT DI TANAH DATAR Anisa Marseli Anisa
Al-Madaris Jurnal Pendidikan dan Studi Keislaman Vol. 2 No. 1 (2021): Islamic Studies
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LP2M) Sekolah Tinggi Agama Islam Jamiatut Tarbiyah Lhoksukon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47887/amd.v2i1.14

Abstract

Pokok permasalahan dalam penelitian ini adalah bagaimana pengaruh Dana Pihak Ketiga (DPK) dan pembiayaan murabahah terhadap profit dengan NPF sebagai variabel intervening dengan tujuan untuk mempertegas dan memperkuat teori yang ada. Total sampel dalam penelitian ini adalah 3 KJKS BMT di Tanah Datar. Teknik pengumpulan data menggunakan studi dokumentasi yaitu laporan keuangan KJKS BMT di Tanah Datar tahun 2013-2018. Teknik analis data yang digunakan dalam penelitian ini adalah Path Analysis atau analisis jalur. Hasil analisis jalur 1 terdapat pengaruh tidak langsung antara DPK terhadap profit melalui variebel endogen intervening yaitu pembiayaan bermasalah (NPF). Hal tersebut menunjukkan bahwa pengaruh tidak langsungnya lebih kecil dibandingkan dengan pengaruh langsungnya. Hasil analisis jalur 2 antara pembiayaan murabahah terhadap profit, variabel NPF tidak berperan sebagai variabel intervening. Artinya pembiayaan murabahah berpengaruh secara langsung terhadap profit.
Pengaruh Kualitas Pelayanan dan Religiusitas Terhadap Masyarakat dalam Bertransaksi dengan Bank Syariah Mandiri Pariaman Syamsurizal Syamsurizal; Abdur Rahim A; Anisa Marseli; Desi Suwarni
Ikhtisar: Jurnal Pengetahuan Islam Vol 1 No 1 (2021): Ikhtisar: Jurnal Pengetahuan Islam
Publisher : Institut Agama Islam Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (729.113 KB) | DOI: 10.55062//IJPI.2021.v1i1.3

Abstract

This study supports the three alternative hypotheses developed that prove that service quality and religiosity simultaneously (together) have a significant effect on people's decisions about making transactions at Bank Syariah Mandiri, Pariaman Branch. This study aims to determine the factors that influence public decisions to transact at Bank Mandiri Syariah Pariaman, which is limited to the quality of service and religiosity. The population in this study were customers of Bank Syariah Mandiri Pariaman with a total sample size of 60 respondents. Where the sampling technique used is accidental sampling. In order to test the hypothesis, the t, f and r tests were carried out. The results showed that the factors of service quality and religiosity have an effect on people's decisions in making transactions at Bank Syariah Mandiri Pariaman. The contribution of the influence of service quality and religiosity variables on people's decisions to transact at Bank Syariah Mandiri Pariaman is 33.4%, while the rest (100% -33.4% = 66.6%) is the influenced by other variables that are not included in this research model.
PERSEPSI MASYARAKAT KOTO NAGARI SIMPURUIK KECAMATAN SUNGAI TARAB KABUPATEN TANAH DATARTERHADAP BANK SYARIAH Anisa Marseli
Jurnal Ilmiah Hospitality Vol 11 No 2: Desember 2022 (in Press)
Publisher : Sekolah Tinggi Pariwisata Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47492/jih.v11i2.2291

Abstract

Pokok permasalahan dalam penelitian ini adalah presepsi masyarakat nagari Koto nagari Simpuruik yang beranggapan bahwa Bank Syariah sama saja dengan bank konvensional dari segi pelayanan dan karakteristik Bank Syariah. Tujuan penelitian dalam penelitian ini adalah untuk menjelaskan persepsi masyarakat Koto nagari Simpuruik terhadap Bank syariah. Jenis penelitian ini adalah penelitian lapangan dengan mengunakan metode analisis kualitatif. Hasil penelitian menunjukkan bahwa persepsi masyarakat Koto nagari Simpuruik terhadap Bank Syariah dari aspek pelayanan dinilai baik sedangkan dari segi aspek promosi masyarakat menilai Bank Syariah belum mampu menyentuh masyarakat Koto nagari Simpuruik. Hal ini terlihat dari rendahnya pengetahuan masyarakat mengenai Bank Syariah. Selanjutnya mengenai karakteristik Bank Syariah menurut masyarakat Koto nagari Simpuruik sudah sesuai dengan prinsip syariah. Bank Syariah tidak memandang status sosial dan agama dalam melayani nasabah. Bank syariah hadir untuk mensejahterakan masyarakat.
Tukar Tambah Kendaraan Bekas di Showroom Bijo Motor Menurut Fikih Ekonomi (Studi Kasus Shoroom Bijo Motor Batusangkar) Abdul Rahim A; Syamsurizal Syamsurizal; Anisa Marseli
Journal on Education Vol 4 No 4 (2022): Journal on Education: Volume 4 Nomor 4 Tahun 2022
Publisher : Departement of Mathematics Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joe.v5i3.1810

Abstract

This study discusses the trade-in of used vehicles at the bijo motor showroom according to economic fiqh. In the contemporary era, there are many transactions carried out by every institution without regard to Islamic law, but it is different from the business initiated by the owner of the bijo motor showroom. The transaction at the showroom uses a sale and purchase agreement according to sharia economic law and meets the requirements and pillars of buying and selling, thus avoiding the practice of usury. This study uses field research, namely the research results obtained through interviews and data analysis by adjusting to the forms of buying and selling that are allowed in Islam and comparing the theory of trade-in used vehicles according to economic fiqh with practice in the bijo motor showroom and analyzed by domain. The results of this study, that the practice of trade-in vehicles carried out by the bijo motor showroom located in the limo of the people, Tanah Datar Regency uses a vehicle sale and purchase agreement according to Islamic sharia. The practice of exchanging used vehicles at the bijo motor showroom uses a sale and purchase agreement for one item at a time without combining the two items they sell and buy. And if consumers buy and sell credit, the showroom directly cooperates with Bank Syariah Indonesia (BSI).
Analysis Of Riba (Usury) From A Religious Understanding Perspective Among The Community In Sungai Rantai rinaldi rinaldi; anisa marseli
Al-Hijrah: Journal of Islamic Economics And Banking Vol 1 No 1 (2023): Al-Hijrah: Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55062/al-hijrah.v1i1.303

Abstract

This article describes the problem of usury law from the perspective of public understanding. As for some of the Sungai Rantai people who consider usury to be a common practice that they have done since long ago from their ancestors, the Sungai Chain community considers usury to be a source of their livelihood because the profit they get is many times that of them. seek honest income or lawful livelihoods, therefore the Sungai Rantai community often commits acts of usury. It is said that usury is one of the major sins in Islam, because it leads to destruction. Therefore, providing understanding to the public actually aims to advance an economic system that is compassionate, more just, more balanced social relations and ethical values that are in line with Islamic teachings
Financial Literacy And Income On Interests In Saving Tiara Wirda Yunengsih; Novi Yanti; Erniwati Erniwati; Abdul Rahim A; Anisa Marseli
Al-Hijrah: Journal of Islamic Economics And Banking Vol 1 No 2 (2023): Al-Hijrah: Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55062/al-hijrah.v1i2.560

Abstract

This study aims to determine the effect of financial literacy and income on the interest in saving at PT. BPR Tri Capital Investama (TCI) West Sumatra. The population in this study was the North Pariaman District Community with a total sample of 100 respondents, where the research data was obtained through a questionnaire which was then processed using an instrument test, data analysis techniques using the classical assumption test, multiple linear regression analysis, hypothesis testing and determination of the R2 coefficient. The results of the t test study show that (1) financial literacy has no significant effect on the intention to save with a t value of 1.937 < t table 1.98 with a significance value of 0.056 > 0.05, and (2) income has a significant effect on the intention to save by the calculated t value is 6.697 > 1.98 with a significance value of 0.000 < 0.05. The results of the f test show that (3) financial literacy and income simultaneously (together) affect the intention to save the t-count value of 6.697 > 1.98 with a significance value of 0.000 <0.05. The determination of 40.1% while the remaining 59.9% is influenced by variables other than the independent variables in the study. It is hoped that the people of North Pariaman Subdistrict will be able to increase awareness of the importance of financial literacy, and also be more proactive in studying existing financial aspects to maintain and manage finances in the future.
PENGARUH DANA PIHAK KETIGA (DPK) DAN PEMBIAYAAN MURABAHAH TERHADAP PROFIT DENGAN NON PERFOMING FINANCING (NPF) SEBAGAI VARIABEL INTERVENING PADA KJKS BMT DI TANAH DATAR Anisa, Anisa Marseli
Al-Madaris Jurnal Pendidikan dan Studi Keislaman Vol. 2 No. 1 (2021): Islamic Studies
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LP2M) Sekolah Tinggi Agama Islam Jamiatut Tarbiyah Lhoksukon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47887/amd.v2i1.14

Abstract

Pokok permasalahan dalam penelitian ini adalah bagaimana pengaruh Dana Pihak Ketiga (DPK) dan pembiayaan murabahah terhadap profit dengan NPF sebagai variabel intervening dengan tujuan untuk mempertegas dan memperkuat teori yang ada. Total sampel dalam penelitian ini adalah 3 KJKS BMT di Tanah Datar. Teknik pengumpulan data menggunakan studi dokumentasi yaitu laporan keuangan KJKS BMT di Tanah Datar tahun 2013-2018. Teknik analis data yang digunakan dalam penelitian ini adalah Path Analysis atau analisis jalur. Hasil analisis jalur 1 terdapat pengaruh tidak langsung antara DPK terhadap profit melalui variebel endogen intervening yaitu pembiayaan bermasalah (NPF). Hal tersebut menunjukkan bahwa pengaruh tidak langsungnya lebih kecil dibandingkan dengan pengaruh langsungnya. Hasil analisis jalur 2 antara pembiayaan murabahah terhadap profit, variabel NPF tidak berperan sebagai variabel intervening. Artinya pembiayaan murabahah berpengaruh secara langsung terhadap profit.
Effectiveness of Management Information System Applications in Increasing Zakat at the National Zakat Amil Agency Moelyadi Moelyadi; Abdul Rahim A; Anisa Marseli; Syamsurizal Syamsurizal; Novi Yanti; Alhazar Rinaldi
Al-Hijrah: Journal of Islamic Economics And Banking Vol 2 No 2 (2024): Al-Hijrah: Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55062/al-hijrah.v2i2.725

Abstract

ZIS management at Baznas Padang Pariaman City before the creation of SIMBA was still done manually. This causes several problems, such as the process of receiving, recording, and distributing ZIS funds which are slow and inefficient. These problems can have an impact on decreasing public trust in Baznas Padang Pariaman City. To overcome these problems, Baznas Padang Pariaman developed the SIMBA application. This study uses a qualitative method approach. This research was conducted at the Padang Panjang City National Zakat Agency Office. The instrument used in this study was an interview. The data sources in this study were primary data and secondary data. Data analysis techniques in this study were data collection, data reduction, data presentation and data verification. Data validity techniques in this study were source triangulation, technical triangulation and time triangulation. The results of the study showed that the Baznas Management Information System Application (SIMBA) at the Padang Pariaman National Zakat Agency was very effective because the results of direct research on the use of the SIMBA application met the indicators of program understanding, target accuracy, timeliness, and achievement of goals, real change. The advantages of SIMBA are that it makes it easier to input data, such as Muzaki registration, zakat data recording, to issuing receipts. Zakat distribution becomes more targeted and transparent with data and information on zakat recipients, types of assistance, and the amount of assistance provided. Accurate and faster zakat management reports are carried out. Muzaki can easily access information about zakat management, including their zakat data, zakat recipients, and BAZNAS zakat programs. Increased productivity by automating tasks. Increased accuracy of zakat data and minimize errors.
Co-Authors Abdul Rahim A Abdur Rahim A Alhazar Rinaldi Desi Suwarni Erniwati Erniwati Moelyadi Moelyadi Novi Yanti rinaldi rinaldi Syamsurizal Tiara Wirda Yunengsih Zainuddin, Zainuddin