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ANALISIS DITERMINAN LIKUIDITAS BANK UMUM SYARIAH DENGAN UKURAN BANK SEBAGAI VARIABEL MODERATING Fitri; Soemitra, Andri; Anggraini, Tuti
Media Ekonomi Vol. 31 No. 1 (2023): April
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/me.v31i1.17289

Abstract

To analyze whether there is an influence of ROA on liquidity with bank size as a moderating variable for Sharia Banking in Indonesia. The population of this study includes annual report data from Islamic banks in Indonesia. The number of sharia banks in Indonesia in 2020 is 16 banks. The type of data used in this research is secondary data. The research method used in this research is multiple regression analysis, namely, analysis carried out to measure the magnitude of the influence of the independent variable on the dependent variable. Based on descriptive statistics regarding dependent and independent variables. Based on the results of statistical tests and discussion, the following conclusions can be drawn: CAR's effect on liquidity is moderated by bank size in Sharia banking companies in Indonesia from 2018-2022. NPF has a significant effect on liquidity, moderated by bank size in Islamic banking companies in Indonesia from 2018-2022 BOPO has a significant effect on liquidity, moderated by bank size in Islamic banking companies in Indonesia from 2018-2022. ROA has a significant effect on liquidity, moderated by bank size in Islamic banking companies in Indonesia from 2018-2022.
Analisis Pengelolaan Wakaf Produktif dalam Efektivitas Pemberdayaan Sosial Ekonomi Masyarakat Kota Medan Kausar, Al; Soemitra, Andri; Batubara, Chuzaimah
el Buhuth: Borneo Journal of Islamic Studies el Buhuth: Borneo Journal of Islamic Studies, 5(2), 2023
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (Center for Research and Community Services), Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/el-buhuth.v5i2.6131

Abstract

The purpose of this study was to examine and find out the management of waqf in an effort to effectively empower the socio-economic community of the city of Medan. The type of research used is field research (field research) with a qualitative descriptive approach which describes data and information based on data obtained in the field. In this case the author conducted a case study on 3 foundations, namely the H. Anif Foundation, the Al-Jihad Mosque Foundation , and the Ar-Raudatul Hasanah Foundation. The results of the research showed that the implementation of productive waqf management in Medan was a case study of 3 foundations, only 2 foundations had productive waqf and 1 still emphasized infaq and alms. 2 foundations that have productive endowments emphasize social and economic aspects.
Integration Analysis of the International Sharia Stock Price Index to the Jakarta Islamic Index 2018-2022 Period Citra Pratiwi Daulay, Suci; Soemitra, Andri; Arif Lubis, Fauzi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 2 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i2.3661

Abstract

The purpose of this study is to determine the relationship between the Malaysia Shariah Gold Index (FTFBMS) and the Jakarta Islamic Index, the relationship between the Dow Jones Islamic Market Index Japan (DJIJP) and the Jakarta Islamic Index, the relationship between the Dow Jones Islamic Market Index Europe (DJIEU) and Jakarta Islamic Index, Relationship between the US Dow Jones Islamic Market Index (IMUS) and the Jakarta Islamic Index. The research method used in this research is secondary quantitative by taking weekly time series data for the period 2018-2022, the data sources used are from the websites www.investing.com and www.idx.com. This research uses vector autoregressive analysis with the Eviews 12sv application. The results of the research are: The short-term VECM estimation results show that in fact there is a significant short-term relationship of the variables that affect JII, namely DJIJP because it has a t count value that is greater than the t table. The short-term VECM estimation results show that in fact there is a significant short-term relationship of several variables that affect FTFBMS, namely the FTFBMS itself, and DJIEU because it has a calculated t value that is greater than t table. The results of the short-term VECM estimation show that in fact there is a significant short-term relationship of several variables that affect DJIJP, namely DJIJP itself, JII, DJIEU, and IMUS because they have a calculated t value that is greater than t table. The short-term VECM estimation results show that in fact there is a significant short-term relationship of the variables that affect DJIEU, namely JII and IMUS because they have a tcount value that is greater than t table. The short-term VECM estimation results show that there is no significant short-term relationship with the IMUS variable.
The Effect of Investment Knowledge, Minimum Capital, Motivation on Student Interest in Investing in the Sharia Capital Market Tanjung, Intan Sari; Soemitra, Andri; Dharma, Budi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3662

Abstract

The research aims to examine the effect of Investment Knowledge, Minimum Capital, and Motivation on Student Interest in Investing in the Islamic Capital Market. This research method is a quantitative method with a descriptive approach, this research approach produces a population of 429 with a sample of 71. The data collection method used in this research is a questionnaire. The result of calculating the t-value is 2.890. We can conclude that (X1) has a significant impact on (Y) because this value is greater than ttable (1.465) and the sig value is less than 0.05. So, it is concluded that (X1) has a significant effect on (Y). At the sig value or t value Variable (X2) has a t value = 2.532. This value is greater than the t table (1.465) with a sig value (0.00001 <0.05). (X2) has an effect on (Y). The variable (X3) has a calculated t value = 2,935. This value is greater than the t table (1.465) with a sig value (0.005 <0.05). (Y) is influenced by the variable (X3). Based on the calculation results above, it can be seen that F count (25.308) which is greater than F table (3.08), and Sig F (0.000b) which is less than 5% (0.050) indicates that together the variable (X) has a simultaneous effect on (Y).
Analysis of the Influence of GDP, Exchange Rate, Gold Price, BI Rate, and IHSG on JII Islamic Investment Perspective Nasution, Najlah Kholilah; Soemitra, Andri; Batubara, Maryam
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3923

Abstract

Indonesia is a country with a Muslim-majority population. With a background of the majority of the Muslim population, the capital market issues various Sharia-based investments such as Sharia bonds, Sharia stocks, and Sharia mutual funds. The Islamic capital market has a role in driving the economy, including having an impact on real market growth through Sharia-based investments. The purpose of this study was to determine the direct and indirect effects of the GDP, Exchange Rate, Gold Price, BI Rate, and IHSG variables on the Jakarta Islamic Index from the perspective of Islamic investment in Indonesia for the 2016-2022 period. The method used in this study uses a quantitative approach with path analysis and uses the help of the Eviews 11 program. The results of this study indicate that GDP, Exchange Rate, and Gold Price have a significant negative effect on the Jakarta Islamic Index, but the BI Rate has no positive or significant effect on the Jakarta Islamic Index. IHSG has a positive and significant effect on the Jakarta Islamic Index. GDP has a positive and significant effect on the Composite Stock Price Index (IHSG). Meanwhile, Exchange Rates, Gold Prices, and the BI Rate have a negative and significant effect on the Composite Stock Price Index. IHSG is able to mediate GDP, Exchange Rate, Gold Price, and BI Rate against the Jakarta Islamic Index with a significant level of 5% and through a 95% confidence level.
Micro Waqf Bank Innovation Models in Aceh Harianto, Syawal; Ramadhan, Muhammad; Soemitra, Andri
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 13 No. 1 (2024)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v13i1.19718

Abstract

This study investigates the challenges and opportunities associated with utilizing cash waqf to support economic development in Aceh, Indonesia, employing the innovative Micro Waqf Bank model. Data was collected through in-depth interviews with seven Waqf management experts in Aceh, selected using purposive sampling. Leveraging the Analytical Network Process (ANP), the study identifies key problems in the development of cash waqf practices, including economic challenges such as capital sourcing, financing repayment delays, and monitoring-mentoring costs. From a social perspective, the study emphasizes the importance of synergy among institutions, public awareness, and effective socialization. Institutional issues include human resource professionalism, regulatory suitability, Micro Waqf Bank limitations, and the need for digitalization. Legal and governance aspects focus on regulations supporting capital financing for small enterprises and efficient managerial management. The study proposes an inclusive, adaptive, participatory, and integrated Micro Waqf Bank Innovation Model to optimize cash waqf utilization and support real sector economic growth. Suggestions for improvement involve technological infrastructure, human resource training, regulatory adjustments, capital management, monitoring systems, strategic partnerships, socialization, coordination, product diversification, and community participation, providing a comprehensive model for the development of Micro Waqf Banks in Aceh.==============================================================================================================ABSTRAK – Model Inovasi Bank Wakaf Mikro di Aceh. Penelitian ini mengkaji tantangan dan peluang pengembangan praktik wakaf tunai untuk mendukung pembangunan ekonomi di Aceh melalui model inovasi Bank Wakaf Mikro di Aceh. Data penelitian dikumpulkan melalui wawancara mendalam dengan tujuh pakar bidang manajemen wakaf di Aceh, yang dipilih dengan metode sampling purposif. Hasil analisis aplikasi Analytical Network Process (ANP), penelitian ini mengidentifikasi sejumlah persoalan kunci dalam pengembangan wakaf tunai, seperti tantangan ekonomi terkait sumber modal, keterlambatan pembayaran pembiayaan, dan biaya pemantauan/ mentoring. Secara sosial, kajian ini menggarisbawahi pentingnya sinergi antar lembaga, kesadaran masyarakat, dan sosialisasi. Aspek institusional melibatkan isu-isu seperti profesionalisme sumber daya manusia, regulasi yang sesuai, keterbatasan Bank Wakaf Mikro, dan digitalisasi. Aspek hukum dan tata kelola berfokus pada regulasi yang mendukung, pembiayaan modal untuk usaha mikro dan ultra-mikro, dan manajemen manajerial. Solusi telah diidentifikasi untuk setiap aspek, mencapai proposal model Inovasi Micro Waqf Bank yang inklusif, adaptif, partisipatif, dan terintegrasi untuk mengoptimalkan pemanfaatan waqf tunai dan mendukung pertumbuhan ekonomi sektor riil. Saran untuk perbaikan melibatkan infrastruktur teknologi, pelatihan sumber daya manusia, penyesuaian regulasi, manajemen modal, sistem pemantauan, kemitraan strategis, sosialisasi, koordinasi, diversifikasi produk, dan partisipasi masyarakat, sehingga memberikan model komprehensif untuk pengembangan Bank Wakaf mikro di Aceh.
Analysis of The Influence of Effectiveness, Reliability and Competence on The Performance of The Central Legal and Credit Administration Sistem with Organizational Culture as A Moderating Variable Soemitra, Andri; Arif, Muhammad; Arif, Edwin
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 8, No 1 (2022): JUNI 2022
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v8i1.5045

Abstract

This study aims to analyze how the influence of effectiveness, reliability, competence on the performance of the Central Legal and Credit Administration (CLCA) which is moderated by organizational culture. The approach used is quantitative research. The sample in this study were employees who were directly related to the CLCA system with a total sample of 93 participants. The instrument used to obtain data is a questionnaire with a Likert scale. Data analysis and testing were carried out using moderated regression which was processed using SPPS software version 25. The test results proved that effectiveness and competence did not have a positive and significant effect on the performance of the CLCA system, while reliability and organizational culture had a positive and significant effect on the performance of the CLCA system. Effectiveness and competence on the performance of the CLCA system moderated by Organizational Culture had a positive and significant effect, while reliability on the performance of the CLCA system moderated by Organizational Culture had a negative and significant effect. The effectiveness, reliability, competence, and organizational culture simultaneously have a positive and significant effect on the performance of the CLCA system.
ISLAMIC BRAND TRUST IN MUSLIM CONSUMER BEHAVIOR: A SYSTEMATIC LITERATURE REVIEW Batubara, Zulfa Khairina; Majid, M. Shabri Abd.; Soemitra, Andri
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol 8, No 4 (2025): November 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v8i4.4666

Abstract

Abstract: This study aims to systematically evaluate the literature discussing Islamic Brand Trust in Muslim consumer behavior. Using a Systematic Literature Review (SLR) approach based on the PRISMA method, this study analyzed 50 scientific articles published between 2018 and 2025. The results of the study revealed that brand trust in the Islamic context is not only influenced by general elements such as product quality and brand communication, but also significantly influenced by Islamic values such as halal, sharia ethics, consumer religiosity, and the credibility of halal certification institutions. This study identified five main themes: the role of trust as a mediator, the importance of halal certification, Islamic ethical values in branding, the role of religiosity, and trust in the digital ecosystem. This study contributes to the Islamic marketing literature and offers practical recommendations for marketers in building brand trust in the Muslim consumer segment.Keyword: Islamic branding, brand trust, muslim consumer behavior, systematic literature, PRISMA.Abstrak: Penelitian ini bertujuan untuk mengevaluasi secara sistematis literatur yang membahas Islamic Brand Trust dalam perilaku konsumen Muslim. Dengan menggunakan pendekatan Systematic Literature Review (SLR) berbasis metode PRISMA, penelitian ini menganalisis 50 artikel ilmiah yang diterbitkan antara tahun 2018 hingga 2025. Hasil kajian mengungkapkan bahwa brand trust dalam konteks Islam tidak hanya dipengaruhi oleh elemen umum seperti kualitas produk dan komunikasi merek, tetapi juga dipengaruhi secara signifikan oleh nilai-nilai Islami seperti kehalalan, etika syariah, religiusitas konsumen, serta kredibilitas lembaga sertifikasi halal. Studi ini menemukan lima tema utama: peran trust sebagai mediator, pentingnya sertifikasi halal, nilai-nilai etika Islami dalam branding, peran religiusitas, serta trust dalam ekosistem digital. Studi ini memberikan kontribusi terhadap literatur pemasaran Islami dan menawarkan rekomendasi praktis bagi pemasar dalam membangun kepercayaan merek di segmen konsumen Muslim.Kata kunci: Islamic branding, brand trust, perilakiu konsumen Muslim, literatur sistematis, PRISMA.
THE CONTRIBUTION INCOME, INVESTMENT RESULTS, AND CLAIM EXPENSES ON SHARIA LIFE INSURANCE INCOME Nainggolan, Laila Mardiyah; Soemitra, Andri
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 6 No. 2 (2020): JULY-DECEMBER 2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v6i2.21734

Abstract

This study aims to examine the effect of Contribution Income Investment Results and Claim Expenses on Sharia Life Insurance Profits in Indonesia for the 2012-2019 period. This research is a quantitative study with secondary data in the form of Islamic financial reports and the sample selection using purposive sampling. The amount of data is 13 companies with eight years of observation to obtain 104 observational data which are sampled in this study. The technique used is panel data regression analysis technique, with analysis of hypothesis testing, namely the t test and F test. The results show that contribution income partially affects the profit of Islamic life insurance, the investment results also affects the profit of Islamic life insurance, if the fund invested are large, the investment returns will be large so that the profit will be high. Furthermore, claim expense partially affects the profit of sharia life insurance, the claims will reduce the amount of funds to be invested by the company, at the end it reduces the company's profit. Based on F test, all variables simultaneously influence the profit of Islamic life insurance. The suggestion is that, in order to increase the profitability of Islamic insurance, the company Islamic insurance needs to consider the investment process, also to increase the underwriter analysis to mitigate the excess of expenses from claims.
URBAN MUSLIM PREFERENCES AND THE USE OF SHARIA MONETARY INSTRUMENTS: A CASE STUDY IN PEKALONGAN Kurniawati, Fitri; Soemitra, Andri; Harahap, Isnaini; Khoiri Furqon, Imahda; Adnan Ahmed Usmani, Sheikh
AKADEMIKA: Jurnal Pemikiran Islam Vol 30 No 2 (2025)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/akademika.v30i2.10999

Abstract

This study explores urban Muslims’ preferences in Pekalongan for sharia monetary instruments—sukuk, mudharabah, and murabahah—focusing on their adoption in supporting MSMEs, particularly in the batik sector. Using a descriptive qualitative method with a phenomenological approach, it draws on OJK and BPS Pekalongan data alongside scholarly literature, but requires clearer justification for how these sources are integrated analytically. Findings highlight a preference for mudharabah and murabahah due to their alignment with Islamic ethical values and practical utility for MSMEs, while sukuk is underutilized due to its complexity and limited local relevance. Key drivers of adoption include strong Islamic identity, expanding sharia banking and fintech, and batik cooperatives, with barriers such as low sharia financial literacy (39.11%), regulatory gaps, and competition from conventional systems. The study proposes a Localized Islamic Financial Adoption Model inclusion framework combining maqasid al-shariah and diffusion of innovations theory, emphasizing cultural identity, literacy, and regulation. It recommends tailored financial education and local regulatory enhancements to strengthen Pekalongan’s sharia financial ecosystem, offering a model for other small Indonesian cities.
Co-Authors Abd Majid, M Shabri Adnan Ahmed Usmani, Sheikh Ahmad Amin Dalimunthe Al-Mahdi Albahi, Muhammad Amin Al Jawi, Amin Amini, Salisa Anfa, Sugianto Anggini, Rizki Annisa, Sufiati Arafah, Yenni Arbanur Rasyid Arfan Harahap, Muhammad Arif, Edwin Arifin Fauzi Lubis Asmuni Asmuni Ayu Andini Azhari Akmal Tarigan Azhari Azhari Baehaqi Batubara, Maryam Batubara, Zulfa Khairina Bi Rahmani, Nur Ahmadi Budi Harianto Cahyadi, Rahmad Chaniago, Alia Chuzaimah Batubara, Chuzaimah Citra Pratiwi Daulay, Suci Dalimunthe, Mahfuzah Desi Ika Dewi, Nurul Aulia Dharma, Budi Elida Elfi Barus, Elida Elfi Firdaus, Rayyan Fitrah, Al Tasya Fitri Fitri Kurniawati fitri, yona Gultom, Mitra Sami Hakim Siregar, Lukmanul Hamdani Hamdani Hanif, Hilman Hanum, Fadillah Harahap, Minta Ade Doliana Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Harahap, Raja Sakti Putra Harroni, Jum Harsono, Muhammad Hasibuan, Affandi Al Imadi Hasibuan, Faisal Umardani Hasibuan, Fauzan Fahmi Hasibuan, Maisyah Khairani Hidayat, Ryan Hutagalung, Muhammad Wandisyah R Imahda Khoiri Furqon Imsar Imsar, Imsar Indah Pratiwi Indradewa, Rhian Iskandar Muda Ismail Ismal, Rifky Isnaini Harahap Iwandi, Iwandi IZZAH, NURUL Jamila, Khaidar Rahmaini Juliana Nasution Julita Julita Kamal, Jaidil Kamaruddin Kamaruddin Kausar, Al Khaidir, Widya Khairani br Tambunan, Adila Kusuma, Annisa Ayu Latip, Abd Lestari, Putri Indah Lubis, Delima Sari Lubis, Fitri Yani Lubis, Muhammad Ershad M. Shabri Abd. Majid Mahyudin Mahyudin Manik, Alfia Rahman Marliyah Marliyah, Marliyah Muhammad Arif Muhammad Ramadhan Muhammad Ridwan MUHAMMAD RIZAL muhammad Syahbudi, muhammad Muhammad Syukri Albani Nasution Muhammad Umar Maya, Putra Muhammad Yafiz Mutthaqin, M. Satrya Nadia Nadia Nadia Nafil, Herwan Nainggolan, Laila Mardiyah Nasution, Eldzan Izzahara Nasution, Hasbi Andika Nasution, Helvinasari Nasution, Inayatul Widad Nasution, Najlah Kholilah Nawir Yuslem Nawir Yuslem, Nawir Noor, Mohd Novi Purnama Sari Nura, Ismail Nurhayati Nurhayati Nurhayati, Nurhayati Nurhayati, Sucinta Tri Nurjianti, Widya Nurlaila Nurlaila Nurlaila Nurul Jannah Puspita Sari, Dira Putri, Dinda Clarita Wirani Qarni, Waizul Rahma, Tri Inda Fadhila Rahma, Tri Indah Fadhila Rahmani, Nur Ahmadi Bi Ramadhani, Devi Ramadhani, Sri Ramdansyah Fitrah Reza Nurul Ichsan Rifani, Devi Ritonga, Nurul Amelia Pratiwi Rizki, Oktavera Rizky Aditya Sakti Putra Harahap, Raja Salsabila, Rizka Saragih, Hari Setiawan SEGATI, AHDA Shifa, Mutiara Simamora, Siti Anisa Simbolon, Linda Rosalina Siregar, Dhetia Putri Siregar, Tetty Handayani Siti Aisyah Soehardi, Dwi Vita Lestari Soemitra, Yusrizal Sugianto Sugianto Sugiyanto - Sukiman Sukiman Sukma, Novita Riyati Susanti, Widya Susanty, Widya Syahputra, Angga Syawal Harianto, Syawal Tambunan, Khairina Tanjung, Intan Sari Tuti Anggraini Wahyu Syarvina Wahyudi, Rizky Widjiantoro, Surya Tegar Yuda Bakti, I Gede Mahatma Yusrizal Zainal Arifin Zuhrinal M. Nawawi Zulkarnaen Zulkarnaen