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All Journal Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen Journal of Islamic Medicine Ensiklopedia of Journal IMARA : Jurnal Riset Ekonomi Islam Journal of Industrial Engineering & Management Research (JIEMAR) International Journal of Social and Management Studies (IJOSMAS) El-kahfi : Journal of Islamic economics UNES Journal of Swara Justisia Jurnal Pengabdian kepada Masyarakat Dewantara Normative: Jurnal Ilmiah Hukum Al-Hijrah: Journal of Islamic Economics and Banking International Journal of Indonesian Business Review
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Kiat Dalam Pengelolaan Tingkat Kesehatan Bank Syariah (Studi Kasus Bank Perekonomian Rakyat Syariah Al Makmur) Aziz, Zakaria; Prawira, Adi; Yunimar, Yunimar; Nasfi, Nasfi
El-kahfi | Jurnal Ekonomi Islam Vol 4 No 02 (2023): Journal of Islamics Economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v4i02.225

Abstract

The discussion in this research is Tips for Managing the Health Level of Sharia Banks, the research object of PT. Al Makmur Sharia People's Economic Bank in West Sumatra financial reporting period end of December 2021-2023. The problem is that the Bank's Soundness Level is decreasing, especially the CAR, NPF and BOPO ratios. Descriptive quantitative research type and descriptive analysis method research technique. Secondary data source from the Financial Services Authority website. From financial data, it was found that the CAR position would decrease by 3.13% in 2023, as well as an increase in NPF to 1.32% and an increase in BOPO to 77.08%. Research results: Tips taken by Management to improve the bank's health level in the future, (1) increase the capital CAR ratio through additional capital from last year's profits, (2) overcome problematic financing or reduce the NPF ratio, (3) increase efficiency and reduce costs and (4) improving the internal management monitoring function.
Audit Opinion And Sharia Compliance In Increasing Trust In Zakat Baznas Padang Panjang Nasfi, Nasfi; Aziz, Zakaria; Yunimar, Yunimar; Perwira, Adi
Al-Hijrah: Journal of Islamic Economics And Banking Vol. 2 No. 1 (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.v2i1.452

Abstract

The purpose of this research is to determine audit opinion and sharia compliance in increasing trust in zakat in Baznas Padang Panjang City. Type of qualitative research, phenomenological approach method. Baznas Research Location Padang Panjang City. The results of research on audit opinion and sharia compliance are complementary audit instruments. Sharia compliance audits complement conventional financial audits, so that the picture of Baznas' financial performance reports is more comprehensive. So that Baznas is worthy of being an authority institution in carrying out zakat management professionally and with integrity in zakat management, realizing a commitment to transparency, increasing the value of accountability as a manager of zakat funds and finally building a positive reputation and image in society. Public trust is the main factor in increasing zakat receipts at Baznas. A positive audit opinion and sharia compliance predicate is a combination of instruments that contribute to increasing Baznas zakat receipts. The research is implemented in providing recommendations to zakat management institutions that have not carried out audit activities to start implementing them. Audits help zakat institutions in building public recognition and trust.
Capacity Building Strategy for Increasing Economic Productivity of Small and Medium Industries Rahmad, Rahmad; Yunimar, Yunimar; Prawira, Adi; nasfi, nasfi
International Journal of Indonesian Business Review Vol. 2 No. 1 (2023)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/ijibr.v2i1.451

Abstract

Purpose – Research to determine the effect of increasing the Capacity of Small and Medium Industries (IKM) to increase the capacity and productivity of economic activities. Research in the city of Bukittinggi from July to October 2022. Methodology/approach – Descriptive qualitative research methods, interview analysis techniques, group discussion forums and the Delpi technique. First, interview 6 SMI actors, second, 5 expert informants and three government stakeholders. Findings – Research Findings The factors increasing IKM capacity are Capital, HR Quality, Facilities, Marketing, Production Quality, Financial Management, Technology, Promotion, Availability of Raw Materials and Environmental Support, the results of factors that greatly influence IKM capacity are HR Quality with a score of 5.00 or 100% with Very important criteria and results based on the Effectiveness Level of the government's response to the factor known that Capital has a high effectiveness of the government's response with a score of 4.20 or 84% with Effective criteria, while a low level of effectiveness of the government's response is Financial Management with a score of 2, 80 or 56% with Less Effective Criteria. Research results strategies, improving financial management, academic collaboration and information technology enhancement as well as increasing raw materials and government supervision.
Analisis Putusan Pengadilan Negeri Muaro Yang Membatalkan Putusan Badan Penyelesaian Sengketa Konsumen Terhadap Perjanjian Pembiayaan (Studi Putusan Nomor: 4/Pdt.Sus-Bpsk/2024/Pn Mrj) Yunimar, Yunimar; Fadhilah, Ananta
Normative Jurnal Ilmiah Hukum Vol 13 No 2 (2026): Normativ: jurnal ilmiah hukum
Publisher : Fakultas Hukum Universitas Tamansiswa Padang

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

Abstract

The Consumer Dispute Settlement Agency (Badan Penyelesaian Sengketa Konsumen/BPSK) is an institution established to protect consumer rights and provide an alternative mechanism for resolving disputes between consumers and business actors. However, in practice, parties often raise objections to BPSK decisions and subsequently file annulment claims before the District Court. This issue is reflected in the Supreme Court Decision of the Republic of Indonesia Number 27 K/Pdt.Sus/2013 dated March 26, 2013, which establishes the legal principle that disputes arising from financing agreements, whether secured by mortgage rights or fiduciary guarantees, are not subject to the Consumer Protection Law and therefore fall outside the authority of BPSK. The research questions addressed in this study are: First, what were the legal considerations of the Muaro District Court judges in annulling the BPSK decision concerning a financing agreement as reflected in Decision Number 4/Pdt.Sus-BPSK/2024/PN Mrj? Second, how can the Muaro District Court decision annulling the BPSK ruling in the same case be analyzed from a legal perspective? This research employs a normative juridical approach by examining legal doctrines, principles, statutory regulations, and court decisions. The data were processed through editing and coding techniques and analyzed qualitatively. The results of the study indicate that the Muaro District Court judges considered the dispute arising from the financing agreement as a case of breach of contract (wanprestasi), which falls under the absolute jurisdiction of the District Court rather than BPSK. Furthermore, the juridical analysis shows that the annulment of the BPSK decision was legally justified and consistent with Supreme Court Regulation (PERMA) Number 1 of 2006, Article 45 paragraph (2) of Law Number 8 of 1999 on Consumer Protection, and Supreme Court jurisprudence regarding the limits of BPSK’s authority. Therefore, it is recommended that BPSK carry out its duties strictly in accordance with applicable regulations, while the public is encouraged to better understand the legal framework governing consumer dispute resolution to ensure legal certainty, justice, and societal welfare.
The Role Of Fintech In Sharia Rural Bank West Sumatra Nasfi, Nasfi; Yunimar, Yunimar; Prawira , Adi
International Journal of Social and Management Studies Vol. 3 No. 2 (2022): International Journal of Social and Management Studies (IJOSMAS)
Publisher : IJOSMAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (313.809 KB) | DOI: 10.5555/ijosmas.v3i2.110

Abstract

The writing of this article is sourced from the Research Library Research, the purpose of this study is to see how much influence fintech has on the operational development of Islamic Rural Banks in an area, with the research area of ​​West Sumatra, with descriptive qualitative research methods with secondary data sources. At this time the development of technology is so rapid, which has spread to the financial sector, both banking and non-banking, with a new era called financial technology (Fintech). Fintech is a financial service provider that brings together givers and recipients in order to enter into loan agreements in rupiah currency directly through an electronic system. Fintech will be a medium that strengthens the economy in Indonesia if it is managed properly. Sharia Rural Banks must develop or adjust operations following the development of technology (fintech), which is increasingly reaching areas that are impossible to account for in banking calculation products. This research is expected to contribute knowledge about fintech that affects every operational activity in banking, and can also be an evaluation related to how important fintech is in financial institutions including sharial rural banks.
Co-Authors Abdul Rahmat Ahmad Lutfi Andri, Gus Arianti, Mesi Asnah Asnah Aziz , Zakaria Aziz, Zakaria Boiziardi, Boiziardi Budi Utomo Dilla Ayuna Letri Dwikornida, Dwikornida Eka Febrianti, Eka Fadhilah, Ananta Halimah, Ririt Nafi' Hidayati, Sarigando Indradewa, Rhian Jamilah Jamilah Kurnia, Meita Lefi Marisa Jemmy Nasfi, Nasfi Oktoriny, Fitra Perwira, Adi Prawira, Adi Proborini, Wahyu Diah Puspita, Lona Rahma Micho Widyanto Rahmad Rahmad Trie Rahmi Gettari Yosfi Rahmi