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

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The Influenceof Sharia Financial Technology on the Development of MSMEs Hutagalung, Muhammad Wandisyah R; Alfadri, Ferri; Nasution, Eswin
Wealth: Journal of Islamic Banking and Finance Vol. 2 No. 2 (2023)
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v2i2.9679

Abstract

Currently, the use of fintech is very common in everyday life and continues to increase, but there are still many MSME players who have not been able to realize and be able to use it properly. Increasing financial literacy and the use of fintech can be a big model to help MSME players minimize the risks that occur in making decisions to improve financial performance. The purpose of this study is to determine and analyze the influenceof Fintech Peer to Peer Lending and Payment Gateway on the development of MSMEs in North Sumatra Province. This type of research is field research with a Quantitative approach with primary data obtained from questionnaires that have been distributed to MSME actors in North Sumatra Province, totaling 109 samples which are then processed with Structural Equation Modeling (SEM) techniques.Judging from the results of structural model analysis or inner model throughhypothesis testing path coefficients and T statistical significance values by determining T-statistical values through bootstrapping procedures. So it can be concluded that X1 or P2P has a positive and significant effect on the development of MSMEs in North Sumatra Province. While the resulting value in the variableX2 to Y with t Statistic 2.131 and p Value 0.034 can be explained by the value of t Statistic 2.131 > t table 1.96 or p Value 0.034 < 0.05, then statistically H2 is accepted meaning that variable X2 has a significant effect on Y. So it can be concluded that X2 or Payment Gateway has a positive and significant effect on the development of MSMEs in North Sumatra Province. variabel X2 berpengaruh signifikan terhadap Y. So it can be concluded that X2 or Payment Gateway has a positive and significant effect on the development of MSMEs in North Sumatra Province.
PENGARUH FAKTOR MAKRO DAN ISLAMIC BANKING FINANCIAL INTERMEDIATION BANK UMUM SYARIAH TERHADAP PERTUMBUHAN EKONOMI NASIONAL Alfadri, Ferri; Lestari, Indah Ayu
PROFJES: Profetik Jurnal Ekonomi Syariah Vol 3, No 1 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/profjes.v3i1.12257

Abstract

Adapun tujuan penelitian ini adalah untuk mengetahui pengaruh faktor makro dan islamic banking financial intermediation bank umum syariah terhadap pertumbuhan ekonomi nasional. Jenis penelitian ini adalah penelitian kuantitatif.Sumber data yang digunakan merupakan data sekunder yang diperoleh dari Badan Pusat Statistik, Otoritas Jasa Keuangan, Bank Indonesia dan Badan Koordinasi Penanaman Modal. Penelitian ini menggunakan teknik non probability sampling yaitu sampel jenuh sebanyak 32 sampel. Teknik analisis data yang digunakan adalah uji stasioneritas, penetuan lag optimal, uji kointegrasi, uji stabilitas VAR, estimasi VECM, uji kausalitas granger, analisis IRF dan analisis VD. Penelitian ini menggunakan software Eviews 10 dengan menggunakan metode VECM. Berdasarkan hasil penelitian dapat disimpulkan bahwa dalam jangka pendek DPK dan total aset berpengaruh positif dan signifikan terhadap pertumbuhan ekonomi nasional sedangkan investasi (PMA dan PMDN), inflasi dan pembiayaan tidak berpengaruh signifikan terhadap pertumbuhan ekonomi nasional. Dalam jangka panjang DPK dan pembiayaan berpengaruh positif dan signifikan terhadap pertumbuhan ekonomi nasional sedangkan investasi (PMA dan PMDN), inflasi dan total aset tidak berpengaruh signifikan terhadap pertumbuhan ekonomi nasional. Kata Kunci: Investasi, inflasi, DPK, Total Aset, Pembiayaan Bank Syariah.
THE The Influence Of Financial Technology For Bank Syariah In Indonesia Ferri Alfadri; Bazyad Abdullah Meteab Mubarak; Nurul Widad binti Abu Hassan
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 6 No. 2 (2024)
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.v6i2.232.127-248

Abstract

Based on data during the Covid-19 pandemic, the use of fintech lending experienced a spike from 62 companies to 162 companies and then decreased again after the Covid-19 pandemic to 129 companies and fell again to 102 companies in 2022. The aim of this research is to find out What is the influence of financial technology on Indonesian sharia banks in 2018-2022. This research uses a qualitative method. The data source used is secondary data obtained from the official OJK website. The data processing and data analysis techniques in this research are data reduction, data presentation, and drawing conclusions. The results of this research are the influence of financial technology on Indonesian sharia banks from 2018-2022. It can be seen that the use of fintech makes transactions at Indonesian sharia banks increase. This can be seen in 2018, namely 41.9 million transactions. Then in 2019 BRI Syariah Bank had many improvements with the use and development of financial technology as a strategy to attract customers. In 2020, during the Covid-19 pandemic, financial technology played a vital role in maintaining bank health. In 2021, even though Indonesian sharia banks are only 1 year old and under social restrictions by the government due to Covid 19, Indonesian sharia banks can still survive and provide services to customers through bank digitalization. In 2022 the sharia banking industry will also record positive growth. Total assets in December 2022 will increase by IDR. 108 trillion or grew 15.6% (yoy), to IDR 802.3
COMMUNITY PERCEPTION OF HALAL TOURISM AND ITS CULTURAL IMPLICATIONS IN LAKE TOBA Alfadri, Ferri; Lestari, Sry; Pulungan, Ismail
Jurnal EL-RIYASAH Vol 16, No 1 (2025): Juni 2025
Publisher : Sultan Syarif Kasim State Islamic University, Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/jel.v16i1.37370

Abstract

The halal tourism program has the potential to positively impact tourist visits, both domestic and international. However, the community surrounding the Lake Toba tourist area has rejected the government's proposed halal tourism initiative. This study aims to explore the perceptions of the Lake Toba community regarding halal tourism, which have led to their resistance to its implementation. Employing a qualitative explanatory approach, the research utilizes Participatory Action Research (PAR) methods combined with a snowball sampling technique. This technique enables continuous data collection through referrals from initial informants to other relevant stakeholders. Data were obtained through observation and in-depth interviews with local residents, tourism practitioners, traditional leaders, government officials, and representatives from the Indonesian Ulema Council (MUI). This approach facilitates a deeper understanding of problem-solving strategies, community needs, and the dynamics of knowledge production and socio-religious change. The findings reveal a perceptual gap between the local community and the government's discourse on halal tourism. Many residents believe that halal tourism may undermine or even eliminate long-standing cultural traditions in the Lake Toba area.
Analisis Minat Masyarakat Terhadap Aplikasi Zakat Pada Perbankan Syariah Siregar, Zein Armila; Windari, Windari; Alfadri, Ferri
Journal of Islamic Social Finance Management Vol 6, No 1 (2025): JANUARI - JUNI 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jisfim.v6i1.16464

Abstract

Perbankan syariah digital merupakan layanan keuangan berbasis prinsip-prinsip Islam yang mengintegrasikan teknologi digital untuk memberikan kemudahan, kecepatan, dan aksesibilitas dalam transaksi, termasuk dalam pembayaran zakat. Penelitian ini bertujuan untuk menganalisis pengaruh persepsi kepercayaan, kemudahan, dan keamanan terhadap minat masyarakat dalam menggunakan layanan perbankan syariah digital sebagai sarana pembayaran zakat. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei dan melibatkan 50 responden. Data dikumpulkan melalui kuesioner, wawancara, dan dokumentasi, serta dianalisis menggunakan uji validitas, reliabilitas, uji asumsi klasik, dan uji t dengan bantuan perangkat lunak SPSS versi 24. Hasil penelitian menunjukkan bahwa kepercayaan, kemudahan, dan keamanan secara parsial maupun simultan berpengaruh signifikan terhadap minat masyarakat dalam menggunakan layanan digital perbankan syariah untuk berzakat.
Implementation of Financial Technology In a QRIS Based Payment System Alfadri, Ferri; Dalimunthe, Ayu Rahmadani; Maarif, muhammad Ariful
Journal of Islamic Financial Technology Vol 3, No 1 (2024): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v3i1.12642

Abstract

Study This aim For know Implementation financial technology in system payment based Qris at Bank Muamalat KCU Padangsidimpuan. Study This is Study qualitative in nature descriptive. With technique data collection uses method interviews, observation and documentation with primary data. Data analysis carried out in research This qualitative descriptive work is done with interview direct with give question to informants (Customers and Employees of Bank Muamalat KCU Padangsidimpuan).Research result This can concluded that How Implementation financial technology in system payment based Qris at Bank Muamalat KCU Padangsidimpuan its implementation has in accordance with what has been determined by Bank Indonesia. Until so far This For system payment Qris Already someone joins Become a Merchant at Bank Muamalat. But for individual merchants Not yet someone uses it payment the while the Merchant has a body law Already There is. And Merchants who have join with Bank Muamalat KCU Padangsidimpuan Already fulfil suitability object  based on Islamic law.
SWOT Analysis of The Application of Financial Technology in Mobile Services PT. Bank Syariah Indonesia Alfadri, Ferri; Surya, Eko
Journal of Islamic Financial Technology Vol 2, No 2 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i2.11996

Abstract

This research is motivated by problems experienced by BSI Mobile service users. BSI Mobile's frequent request time out errors cause transactions to be hampered, causing inconvenience for customers. This research aims to determine the SWOT Analysis of the Application of Financial Technology in Mobile Banking Services at PT Bank Syariah Indonesia KC Padangsidimpuan. This research was analyzed qualitatively descriptively using the SWOT matrix, IFAS (Internal Factor Analysis Summary) matrix and EFAS (External Factor Analysis Summary) matrix.The research results show that the SWOT Analysis of the Application of Financial Technology in Mobile Banking Services at PT. Bank Syariah Indonesia KC. Padangsidimpuan obtained the coordinate point (1.34 : 1.16). So the position of mobile banking services at PT. Bank Syariah Indonesia KC Padangsidimpuan is in Quadrant 1. This is a profitable situation because it can maximize strengths and take advantage of existing opportunities.
Determinants Of Interest To Pay Zakat Through Sharia Mobile Banking Alfadri, Ferri; Yarham, M; Siregar, Ardiansyah
Journal of Islamic Financial Technology Vol 1, No 1 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (573.283 KB) | DOI: 10.24952/jiftech.v1i1.5026

Abstract

The bank provides zakat payment services through mobile banking to meet the needs of conducting banking transactions. The people of the new Sitamiang sub-district, Padangsidimpuan City, still do not use the mobile banking application . The purpose of this study was to determine the interest in paying zakat through mobile banking based on perceptions of convenience, perceived usefulness, perceptions of trust in the people of Sitamiang Baru Village, Padangsidimpuan City. This research is a quantitative research. The data source used is primary data. The data collection technique used is a questionnaire with a sample of 98 people. Data processing using SPSS 25 application. The analysis technique used is multiple linear regression analysis. Partial research results states that the convenience variable has no effect on the interest in paying zakat through mobile banking . Usefulness has no effect on interest in paying zakat through mobile banking. Trust has an effect on interest in paying zakat through mobile banking. While the variables of convenience, usability and trust have a simultaneous influence on the interest in paying zakat through mobile banking in the people of Sitamiang Baru Village .Keywords: Interest, Zakat, Mobile Banking, Perception
Public Attitude To Online Loans Alfadri, Ferri; Aini, Nur; Siregar, Lismayanti
Journal of Islamic Financial Technology Vol 1, No 2 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (226.164 KB) | DOI: 10.24952/jiftech.v1i2.6673

Abstract

With the ease of Peer to Peer Financial Technology (Fintech), it is easier for the community to obtain loan funding assistance. However, this convenience is inseparable from the various problems that occur, such as the many types of loans that are fraudulent or unlicensed (illegal), the spread of personal data and various other things. Thus, this research was conducted to determine people's attitudes towards online loans.This type of research is field research with a qualitative approach. The source of the research data is the community of the Sidimpuan Baru Complex, Silandit Village, South Padangsidimpuan District as many as 10 people. Data was collected by observation and interviews with research informants. The results showed that the informants (debtors) knew well. Informants actively use online loan services because of the ease of the requirements provided, guarantees for the privacy of the borrower's personal data, and feel helped by online loan services. Keywords: Community Attitude, Online Loans, Peer to Peer Lending
Analisis Literasi Zakat, Infaq Dan Shadaqah Melalui Penggunaan Mobile Banking Pulungan, Ira Andriani; Harahap, Darwis; Alfadri, Ferri; Wardana, Ahmad
Journal of Islamic Social Finance Management Vol 4, No 1 (2023): JANUARI-JUNI 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jisfim.v4i1.9392

Abstract

AbstractAdvances in information and communication technology are reflected in PT. BSI KCP Gunung Tua, which is developing their services by offering mobile banking services, however customers still lack knowledge in using them because many customers do not want to know about banking developments. This research uses a qualitative approach, namely research carried out by observing surrounding phenomena and analyzing them using scientific logic. This research used snowball sampling, the data collection instruments used were observation, interviews and documentation. The data analysis used is descriptive qualitative. The results of this research show that customer literacy regarding zakat infaq and shadaqah is very good because customers know zakat in general, customers also know the calculation of zakat, the objects and impacts of zakat. However, customer literacy is still minimal regarding mobile banking and only a few people know about it, but after opening an account at BSI KCP Gunung Tua they can find out.
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