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All Journal Jurnal Informatika Ekonomi Bisnis JURIS (Jurnal Ilmiah Syariah) JEBI (Jurnal Ekonomi dan Bisnis Islam) Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan
ALFI SYUKRI RAMA
Universitas Islam Negeri Imam Bonjol Padang
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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PERANAN RELIGIUSITAS DAN PREFERENSI RESIKO TERHADAP AKSES KEPADA LEMBAGA KEUANGAN MIKRO ALFI SYUKRI RAMA
JEBI (Jurnal Ekonomi dan Bisnis Islam) Vol 1, No 1 (2016): Januari - Juni 2016
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/jebi.v1i1.6

Abstract

The research design is to create a framework where risk preferences and religiosity (Islam) borrowers in microfinance institutions (MFIs) can be estimated. Specifically, this study highlights the different characteristics of conventional microfinance borrowers (LKMK) and sharia (LKMS). Although much of the literature discussing the topic of conventional microfinance and Islamic finance individually, but still rare studies that discuss the characteristics of the borrower to choose only between these two financial institutions. Theories about Islamic microfinance is inherently suggests that financial institutions will be interesting for people who avoid risk (risk-averter), not a lover of risk (risk-lover). In addition, because of Islamic microfinance contracts do not charge interest on loans and the appeal of Islamic financial basis will be preferred by individuals who are relatively religious. The study was conducted by taking a sample of 30 primary data in the form of debtor LKMK and 29 debtors LKMS. The process of collecting data using questionnaires containing questions about basic demographics, besides the question that aims to bring risk preferences and Islamic religiosity. In the first stage, the study established several indices to measure risk preferences and religiosity using component analysis (Principal Component Analysis). At a later stage, to investigate the initial hypothesis, linear probability models used. The main findings estimate reflects the fact that appropriate initial hypothesis. Turns on LKMS customer financing is relatively more religious. Additionally, through the use of instruments on the game field experiments to uncover risk preferences, there is a fact that is little different from the initial hypothesis. Both types of customers have the same risk preference, they both love risk (risk-lovers) but customer financing at LKMS have a relatively lower level.
DAMPAK SOCIAL CAPITAL STRONG-TIES VS WEAK-TIES TERHADAP DEFAULT PEMBIAYAAN INDIVIDU ALFI SYUKRI RAMA; DAVY HENDRI
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 3, No 1 (2018): Januari - Juni 2018
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v3i1.164

Abstract

LKMS with unique characteristics, in general has the potential to attract risk-averting individuals to access it. This is at least a mechanism of natural selection intervention (ex-ante) in reducing the possibility of adverse selection of customers with the concept of LKMS. However, several studies have also found that various LKMS financing products also provide incentives and disincentives to the trend of stalled installment financing. This study highlights the impact of characteristics such as: risk and religiosity preferences, which may differ from individual beneficiaries of financing in Islamic microfinance institutions (LKMS) against the probability of defaulting their defaults. The study was conducted by taking primary data in the form of samples of 60 customers who received financing from 1 (one) LKMS but consisted of 30 debtors who experienced financing installment defaults and 30 went smoothly. The process of collecting data uses a questionnaire containing questions about basic demographics, in addition to questions aimed at raising Islamic risk and religiosity preferences. In addition, the impact of external environmental characteristics is also estimated by using probit regression. Group-based financing, which is one of the objectives of reducing adverse selection, can have the opposite effect. Ineffective group roles for various reasons, contagion can be a trigger for moral hazard for other group members. The study found that in addition to religiosity, as an internal factor, the effectiveness of financing groups as a timely external factor of timely payment compliance also plays an important role.
Identifikasi Prilaku Konsumen dalam Pengambilan Keputusan Penggunaan Jasa Pengiriman Barang Afrizal; Rangga Wisanggara; Alfi Syukri Rama; Riandy Mardhika Adif
Jurnal Informatika Ekonomi Bisnis Vol. 4, No. 4 (December 2022)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v4i4.174

Abstract

The package delivery service business experiences intense competition between transportation companies. This form of competition is marked by the proliferation of shipping service companies in Indonesia. Many of these companies are managed by the private sector and only one is managed by the state, namely PT. Pos Indonesia (Persero). PT. Pos Indonesia (Persero) has one package delivery service company, namely PT. Indonesian Postal Delivery Services (Persero). This company is a state company that provides public services, but competes strictly with private companies. Currently, many people do not use the services provided by PT. Pos Indonesia (Persero), so that it is forgotten by the public. Factors that greatly influence are the many delivery service industries that offer added value. The most widely offered offer is speed and accuracy to the destination, wider coverage and low cost. This study aims to identify the factors that influence the satisfaction of consumers who are loyal to using the services of PT. Indonesian Postal Delivery Services (Persero). The method used is descriptive quantitative research on consumer decision factors at the Air Bangis post office in West Pasaman, West Sumatra. The results obtained are that customer trust has no positive and insignificant effect on consumer decisions with a significant level of 0.451. Brand Recall has a positive and significant effect on Consumer Decisions with a significance level of 0.001. Word of Mouth has a positive and significant effect on consumer decisions with a significance level of 0.000. So that this research can be used as a recommendation by package service providers in identifying factors in retaining customers.
The Formalization of Islamic Attire for Students: Differentiation of Discrimination and Intolerance Paradigms in the Case of Perkada Sharia in West Sumatra Jarudin Jarudin; Hermawati Hermawati; Walan Yudhiani; Alfi Syukri Rama; Muhammad Adib bin Samsudin
JURIS (Jurnal Ilmiah Syariah) Vol 22, No 1 (2023)
Publisher : Institut Agama Islam Negeri Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/juris.v22i1.8606

Abstract

The law on regional autonomy enacted by the central government is like the horns of a dilemma. The central government considers the formalization of religious aspects as a threat to national and state stability, as demonstrated by regional head regulations (Perkada) requiring students in West Sumatra to wear a veil or hijab. This qualitative research employed interviews, observation, and a study of the Supreme Court decision document No. 17/P/HUM/2021. Data were analyzed using normative juridical approaches and Islamic law through several stages, including data reduction, data display, and verification. This research found that the case arose as a result of an allegation that the school forced non-Muslim students to wear veils, which went viral on social media. In response to this allegation, the central government issued a Joint Decree (SKB) of Three Ministers canceling Perkada Number 451.442/BINSOS-III/2005. LKAAM, the customary holder of the Minangkabau community in West Sumatra, then petitioned the Supreme Court for a judicial review. The Supreme Court granted the LKAAM's request, ruling that the SKB was invalid and ordering the three ministries to revoke it. This case's substance alludes to at least two types of debate. First, the three ministers assumed the petitioner and the Supreme Court had no legal standing, while the Supreme Court's decision stated otherwise. Second, the central government viewed the people of West Sumatra through their local government as discriminatory, intolerant, ignoring children's religious aspirations, and ignoring higher regulations, whereas the Supreme Court decision contradicted the three ministers' arguments and supported the LKAAM argument. As a result, LKAAM won legally but not necessarily politically because the central government had labeled the people of West Sumatra as discriminatory and intolerant.
Co-Authors Afrizal DAVY HENDRI Hermawati Hermawati jarudin, Jarudin Muhammad Adib bin Samsudin Rangga Wisanggara Riandy Mardhika Adif Walan Yudhiani