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All Journal Jurnal El-Riyasah : Jurnal Kepemimpinan dan Administrasi J-EBIS (Jurnal Ekonomi dan Bisnis Islam) At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Jurnal Ilmu Perbankan dan Keuangan Syariah Journal Of Sharia Banking Journal Of Islamic Social Finance Management JIFTECH: Journal Of Islamic Financial Technology Imara: Jurnal Riset Ekonomi Islam Wealth: Journal of Islamic Banking and Finance Profetik Jurnal Ekonomi Syariah

Alfadri, Ferri

IAIN Padangsidimpuan

Author-ID : 4274483

Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Library & Information Science Social Sciences Other

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PENGARUH ADANYA TRANSPORTASI ONLINE TERHADAP KESEJAHTERAAN MASYARAKAT MELALUI VARIABEL PENGANGGURAN DI KOTA MEDAN febi, febi; Alfadri, Ferri
JURNAL EKONOMI DAN BISNIS ISLAM Vol 3 No 2 (2018): Volume 3 Nomor 2 Juli-Desember 2018
Publisher : IAIN Langsa

Research this aim for conduct direct research related to the influence of the emergence of an online transportation system in the life of the community in terms of aspects of unemployment and also the welfare of the people in Medan City. This research was conducted at PT. GO-JEK Indonesia in Medan, North Sumatra Province with use method quantitative . On research this use technique SEM analysis methods with the help of Smart PLS program. Based on the results of statistical calculations after researched , then can be concluded that: the existence of online transportation has a significant positive effect on the unemployment rate directly. This can be proven from the t-statistics value of 86,750, the existence of online transportation has a significant positive effect on welfare directly. This can be proved from the t-statistics value of 5, 638, and with their online transportation positive 5,638, effect on the welfare of the signifikcant  directly through variable unemployment. This can be proven from the t-statistics value of 4,880. Thus, the H1, H2 and H3 hypothesis in this study was accepted.

THE EFFECT OF ONLINE TRANSPORTATION SYSTEM ON UNEMPLOYMENT RATE AND PUBLIC WELFARE AT INDONESIA Darwis Harahap; Ferri Alfadri; Yenni Samri Juliati Nasution; Nasir Ahmad Khan Saragih
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 7, No 1 (2021): JUNI 2021
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v7i1.3361

Tujuan penelitian ini adalah untuk melihat pengaruh sistem transportasi online terhadap pengangguran dan kesejahteraan masyarakat di Kota Medan, Indonesia. Praktik bisnis berbasis teknologi di era industri 4.0 membutuhkan keterampilan keterampilan tertentu di bidang kerja. Selain itu, perubahan sistem teknologi yang semula lebih banyak menyerap tenaga kerja cenderung berubah karena menggantikan peran manusia. Akibatnya, tingkat kesejahteraan masyarakat juga akan menurun. Penelitian ini dilakukan di PT. GO-JEK Indonesia menggunakan metode Structural Equation Modeling (SEM). Model yang digunakan adalah faktor pembebanan yang dibangun dari masing-masing indikator.Hasil penelitian menunjukkan bahwa transportasi online berpengaruh terhadap penurunan tingkat pengangguran. Lebih lanjut, hal tersebut menunjukkan bahwa sistem ini dapat meningkatkan kesejahteraan masyarakat. Karena itu,

Motivation of Non-Muslims to Become Customers at PT. Bank Syariah Mandiri KC. Sibolga amsal amsal; fatahuddin siregar; idris saleh; ferri alfadri
Journal Of Sharia Banking Vol 1, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

The background of the problem in this study is PT. Bank Syariah Mandiri KC. Sibolga does not only have customers who are Muslim but PT Bank Syariah Mandiri KC. Sibolga has non-Muslim customers who account for almost half of the total customers who are motivated to make transactions at the bank. This shows that PT Bank Syariah Mandiri KC. Sibolga is well received by the non-Muslim community in the city of Sibolga. Discussion of research related to the field of Islamic banking. Islamic banks are financial institutions that encourage and invite the public to participate in various products based on sharia principles. While motivation is a set or collection of behaviors that provide a basis for a person to act in a way that is directed towards certain specific goals. The research method used is qualitative research using a descriptive approach. The types of data used are primary data sources and secondary data sources. Taknik followed the data with observation, interviews and documentation. Based on the results of the research conducted, researchers saw that in general the non-Muslim community was motivated by the services provided by PT. Bank Syariah Mandiri KC. Sibolga. motivation of the non-Muslim community to become customers at PT. Bank Syariah Mandiri KC. Sibolga's location is very affordable, a promotion conducted by PT. Bank Syariah Mandiri KC. Sibolga is very suitable with socializing in the market and at school. In addition there are also those who change because of the rules of the Ministry of Religion office that roam as customers at PT. Bank Syariah Mandiri KC. Sibolga.

Motives of Non-Muslim Customers Using Services at PT Bank Syariah Mandiri Sibolga Branch Office mirna sari; darwis harahap; sry lestari; ferri alfadri
Journal Of Sharia Banking Vol 2, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

This research was motivated by in addition to Muslim customers it turns out there are also non-Muslim customers who are customers at Bank Syariah Mandiri Sibolga Branch Office. The purpose of this research is to find out whether there are many non-Muslim customers in BSM Sibolga and to find out what the motives of non-Muslim customers are using the services of Bank Syariah Mandiri Sibolga branch office. This type of research is descriptive qualitative. This research takes place in BSM Sibolga with research subjects of Bank employees: customer service, leadership, security guards and 9 non-Muslim customers related to the motives of non-Muslim customer customers in using services at BSM Sibolga, in this study supported by observation, interviews and documentation data. The results of this study conclude that the motives of non-Muslim customers in using BSM Sibolga services include: Personal motives namely work, cultural motives namely geographical (location) and groups (organizations or invitations from neighbors), and religious motives stimuli namely products. The most commonly found motif is a geographical motif, namely the location of Bank Syariah Mandiri Sibolga, located on the side of the road and easy to reach. Not found in the field of religious motives (religious observance), social motives (wealth, power and mastery of knowledge of personal motives (age and lifestyle). Non-Muslim customers Bank Syariah Mandiri Sibolga Branch Offices are mostly interested in gold pawning products. researchers conducted interviews with only a few non-Muslim customers who used gold pawning products that were found.

The Effect of Profitability Ratios on Financial Distress in Islamic Commercial Banks in Indonesia yennita sari; nofinawati nofinawati; sarmiana batubara; ferri alfadri
Journal Of Sharia Banking Vol 1, No 1 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

ROA and ROE affect the Financial Distress that is if the percentage value of ROA and ROE is at a high value, it can be said that the company is still far from financial distress. The higher the return on assets means the higher the amount of net profit generated and vice versa. ROA and ROE which have increased and financial distress have increased occurred in Muamalat Indonesia bank in 2016, Bank Rakyat Indonesia in 2016, Bank Negara Indonesia in 2016 and 2018, Bank Central Asia in 2017, Bank Syariah Mandiri in 2016, Bank Panin Syariah in 2017 , Bank Mega Syariah in 2015, Bank Bukopin Syariah in 2016, Bank Victoria Syariah in 2018, Maybank Syariah in 2017, Bank Syariah State Pensioners in 2015 and 2018 and the value of Return on Assets which declined and the value of financial distress also decreased in banks. Mega Syariah in 2018, Bank Victoria Syariah in 2018, Bank Panin Syariah in 2015, and Bank Bukopin Syariah in 2018. Formulation of the problem in this study is whether there is an influence of ROA and ROE on financial distress in Islamic commercial banks in Indonesia in 2014-2018 . The purpose of this study was to determine the effect of ROA and ROE on financial distress in Islamic commercial banks in Indonesia in 2014-2018. The discussion of this study deals with the analysis of financial statements and profitability ratios and financial distress by using the Zmijewski X-score method. This research is a quantitative study using panel data regression analysis. The data used are time series data for 2014-2018 published through the official website of each Islamic commercial bank in Indonesia, which was analyzed using Software Eviews 9. Partial ROA has a tcount value Ftable (4.664855 2.77) which means that both variables affect the financial distress variable in 2014-2018. Based on the results of the acquisition R2 of 0.592051, it means that 59 percent of financial distress is influenced by ROA and ROE while 41 percent is influenced by other variables not discussed in this study.

Determinants of Community Interest in Batang Toru District Using Cicil Gold Products at PT. Bank Sharia Mandiri Kcp Batang Toru ika purnama; nofinawati nofinawati; sarmiana batubara; ferri alfadri
Journal Of Sharia Banking Vol 2, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

The lack of interest of the people of Batang Toru District in using gold installment products. The increase in gold prices makes some people tend to want to own gold. This causes people's interest to own gold to also increase. Gold installment products attract people's attention to own gold. However, what happened to the people of Batang Toru Subdistrict they felt burdened with the down payment given by the bank to the community, which was 20%, so that the community preferred to pay in installments for gold in a conventional way compared to sharia. The purpose of this study is to determine whether promotion, price, and service quality affect the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. The theory used in this research is public interest, promotion theory, price, service quality. This study is a quantitative study using multiple regression analysis, data collection techniques using a questionnaire with a sample of 100 people in Batang Toru District. The sampling technique is incidental sampling. Data processing was carried out with SPSS version 23. The results of the analysis carried out by researchers, the results of the partial study (t test) showed that promotion had an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. Price has an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. And the quality of service has an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. Judging by the promotion F test, price and quality of service have a simultaneous effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru.

THE ANALYSIS OF THE EFFECT OF FDR, NPF, AND DPK ON PROFIT-SHARING-BASED MUDHARABAH FINANCING IN BANKS SHARIA IN INDONESIA PERIOD 2012-2018 ferri alfadri; muhammad arif; ticha ticha; taufik taufik
Journal Of Sharia Banking Vol 3, No 2 (2022): Perbankan Syariah
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v1i2.6452

This research is motivated The background in this study is the occurrence of variable mudharabah financing fluctuations in 2012-2018 in Islamic banking. The formulation of the problem in this study is whether there is an influence of financing to deposit ratio, nonperforming financing, and third-party funds on profit-sharing-based mudharabah financing in Islamic banking in Indonesia in 2012-2018. This study aims to determine the effect of FDR, NPF, and DPK on Mudharabah financing in Islamic Banking, which consists of Islamic commercial banks and Islamic business units in Indonesia. This research is quantitative research with secondary data. The sample in the study used a saturated sampling technique. The number of samples is 84 samples. The data analysis method used in this research is descriptive statistical analysis, normality test, classic assumption test consisting of multicollinearity test, heteroscedasticity test, autocorrelation test, then hypothesis testing, and multiple linear regression tests. Based on the partial test result (t-test) showed that FDR affected mudharabah financing, then the NPF variable influenced mudharabah financing, and the DPK variable influenced mudharabah financing then the Anova test (F test) simultaneously the FDR, NPF, and DPK variables had a positive effect on mudharabah financing.

COMPARATIVE ANALYSIS OF ISLAMIC BANK PERFORMANCE BASED ON RGEC AND ISLAMICITY PERFORMANCE INDEX Darwis Harahap; Rini Hayati Lubis; Siti Ena Aisyah Simbolon; Ferri Alfadri
Imara: JURNAL RISET EKONOMI ISLAM Vol 6, No 2 (2022): IMARA:JURNAL RISET EKONOMI ISLAM
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v6i2.5883

Comparative Analysis of Islamic Bank Performance Based on RGEC and Islamicity Performance Index. The increase in Islamic banking makes Islamic banks must be able to maintain their performance in order to survive. The performance of Islamic banks can be measured using the CAMELS method until 2013, but after the issuance of PBI Number 13/1/PBI/2011 and POJK Number 8/POJK.03/2014 regarding the assessment of the soundness of Islamic banks, Islamic banks used the RGEC method. However, the RGEC method is not able to reveal the social function of a bank. Meanwhile, Islamic banks need a measuring instrument that is able to reveal the social function of the bank. So this research uses the Islamicity Performance Index method. Therefore, the problem in the research is how to compare the performance of PT. Bank Muamalat Indonesia Tbk and PT. Bank Syariah Mandiri Tbk based on RGEC and Islamicity Performance Index. The population in this study is the financial performance report data of PT. Bank Muamalat Indonesia Tbk and PT. Bank Syariah Mandiri Tbk in 2016-2020. The samples in this study are financial ratios, namely NPF, FDR, GCG, ROA, CAR, PSR, ZPR, EDR, IIR, and IsIR. Meanwhile, the data analysis technique used independent sample t-test and Mann Whitney test. The result of this research is the performance of PT. Bank Syariah Mandiri Tbk is better than the performance of PT. Bank Muamalat Indonesia Tbk.

THE ANALYSIS OF THE EFFECT OF FDR, NPF, AND DPK ON PROFIT-SHARING-BASED MUDHARABAH FINANCING IN BANKS SHARIA IN INDONESIA PERIOD 2012-2018 Ferri Alfadri; Muhammad Arif; Ticha Lubis; taufik taufik
Journal Of Sharia Banking Vol 4, No 1 (2023): Journal Of Sharia Banking
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v1i2.6416

This research is motivated The background in this study is the occurence of variable mudharabah financing fluctuations in 2012-2018 in islamic banking. The formulation of the problem in thid study is whether there is an influence of financing to deposit ratio, non performing financing, and third party funds on profit-sharing based mudharabah financing in islamic banking in indonesia in 2012-2018. This study aims to determine the effect of FDR, NPF, and DPK on Mudharabah financing in Islamic Banking, which consist of islamic commercial banks and islamic business units in Indonesia. This research is quantitative research with secondary data. The sample in study used a saturated sampling technique. The number of samples is 84 samples. Data analysist method used in this research is descriptive statistical analysis, normality test, classic assumption test consisting of multicolinearity test, heteroscedasticity test, autocorrelation test, then hypothesis testing and multiple linear regression tests. Based on the partial test result (t test) showed that FDR affected mudharabah financing, then NPF variable influenced mudharabah financing, and DPK variable influenced mudharabah financing then Anova test (F test) simultaneously the FDR, NPF, and DPK variables had a positive effect on mudharabah financing.

Implementation of Internship Practices and Student Literacy Regarding ShariaBanking on Work Readiness in Sharia Bank Ferri Alfadri
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 5 No. 1 (2023)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v5i1.170.17-28

This study aims to determine how much influence work practices and student literacy have on understanding Islamic banking on work readiness in Islamic banks after graduating from college. This type of research is field research with a quantitative approach. The sample used in this study was 74 respondents using statistics, namely SPSS Version 23. Based on the results of the partial test in this study, there is an influence of apprenticeship practices on work readiness in Islamic banks. But the literacy variable has no effect on work readiness. then this will become input and evaluation material to further improve the quality of the faculty whether it is in accordance with the vision and mission of the university

Co-Authors amsal amsal Ardiansyah Siregar Bazyad Abdullah Meteab Mubarak Dalimunthe, Ayu Rahmadani fatahuddin siregar febi, febi Harahap, Darwis Hutagalung, Muhammad Wandisyah R Idris Saleh ika purnama Indah Ayu Lestari, Indah Ayu Ismail Pulungan Lestari, M.E.I, Sry Lestari, Sry Maarif, muhammad Ariful Mirna Sari Muhammad Arif Nasir Ahmad Khan Saragih Nasution, Eswin Nofinawati Nofinawati Nur Aini Nurul Widad binti Abu Hassan Pulungan, Ira Andriani Rini Hayati Sarmiana Batubara Siregar, Lismayanti Siregar, Zein Armila Siti Ena Aisyah Simbolon Surya, Eko Syafitri, Alwijah Indah taufik taufik Ticha Lubis ticha ticha Wardana, Ahmad Windari, Windari Yarham, M Yenni Samri Juliati Nasution yennita sari

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