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All Journal Economica: Jurnal Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah J-EBIS (Jurnal Ekonomi dan Bisnis Islam) JIKA: Jurnal Ilmu Keuangan dan Perbankan E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Ihtiyath : Jurnal Manajemen Keuangan Syariah AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Jurnal Investasi Islam Berdikari : Jurnal Ekonomi dan Statistik Indonesia Share: Jurnal Ekonomi dan Keuangan Islam Analisa: Journal of Social Science and Religion Jurnal Ilmiah Mahasiswa Journal of Finance and Islamic Banking Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan BISNIS : Jurnal Bisnis dan Manajemen Islam

Early Ridho Kismawadi, Early Ridho

IAIN Langsa

Author-ID : 547497

Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Social Sciences Other

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Praktik Akuntabilitas Masjid: Studi Kasus pada Masjid Al-Akbar Surabaya Uun Dwi Al Muddatstsir; Dessy Noor Farida; Early Ridho Kismawadi
Economica: Jurnal Ekonomi Islam Vol 9, No 2 (2018)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2018.9.2.2350

This study aims to determine the practice of accountability carried out by the management of Al-Akbar Mosque in Surabaya. Accountability is needed as a form of organizational management responsibility to worshipers. The method used in this study is qualitative with a case study approach. The results of the study indicate that the manager has prioritized the interests and prosperity of the mosque compared to individual interests. Research also shows that accountability practices are carried out using honesty and legal accountability, process accountability, program accountability and financial policy accountability.Penelitian ini bertujuan untuk mengetahui praktik akuntabilitas yang dilakukan oleh pengurus Masjid Al-Akbar Surabaya. Akuntabilitas sangatlah dibutuhkan sebagai bentuk tanggung jawab pengelola organisasi kepada jamaah. Metode yang digunakan dalam penelitian ini adalah kualitatif dengan pendekatan studi kasus. Hasil penelitian menunjukkan pengelola sudah mementingkan kepentingan dan kemakmuran masjid dibandingkan kepentingan individu. Penelitian juga menunjukkan praktik akuntabilitas yang dijalankan menggunakan akuntabilitas kejujuran dan hukum, akuntabilitas proses, akuntabilitas program dan akuntabilitas kebijakan keuangan.

Determinan Pertumbuhan Ekonomi Di Indonesia Early Ridho Kismawadi; Oktavializa Oktavializa; Abdul Hamid
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021)
Publisher : Universitas Muhammadiyah Surabaya

This research has the formulation of the problem namely, the first is how the influence of murabaha financing on economic growth in Indonesia, the second is how the influence of mudharabah financing on economic growth in Indonesia, the third is how the influence of ijarah financing on economic growth in Indonesia, and the fourth how is the influence of murabaha financing , mudaraba and ijarah on economic growth in Indonesia.This study aims to determine the effect of murabahah, mudharabah and ijarah financing on economic growth in Indonesia. In this study only 14 years were taken. This research uses quantitative research methods. The technique used in this study is Purposive Sampling, which is a technique of deliberate sampling. The type of data used in this study is secondary. Data analysis techniques used in this study are the analysis of classic assumptions, multiple linear regression, and hypotheses. Partial results (T test) the influence of murabaha financing (X1) of 0.026 <0.05, mudharabah financing (X2) of 0.023 <0.05, ijarah financing (X3) of 0.010 <0.05 and a positive and significant effect on economic growth in Indonesia. F test results (Simultaneous) showed a significant value of 0.002 <0.05, which means that murabahah, mudharabah and ijarah financing simultaneously had a significant effect on economic growth in Indonesia. Then from the R-square test results of 0.62 or 62.3%. The magnitude of these results can be explained by the murabaha, mudharabah and ijarah financing variables in this study, while the remaining 37.7% is explained by other variables not included in this study

Analisis Perbandingan Tingkat Kesehatan PT. Bank Panin Dubai Syariah Tbk Sebelum dan Sesudah (IPO) (Initial Public Offering) dengan metode RGEC Deviantika Fahriza; Early Ridho Kismawadi; Basri
Jurnal Ekonomi Dan Statistik Indonesia Vol 2 No 1 (2022): Berdikari: Jurnal Ekonomi dan Statistik Indonesia (JESI)
Publisher : Future Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/jesi.02.01.04

Initial Public Offering (IPO) merupakan penawaran saham untuk pertama kalinya kepada publik yang dilakukan perusahaan untuk mendapatkan dana yang dapat digunakan sebagai perluasan usaha. Lembaga keuangan syariah yang pertama kali IPO (Initial Public Offering) adalah PT. Bank Panin Dubai Syariah Tbk pada tanggal 15 Januari 2014, Namun peneliti menemukan bahwa banyak lembaga keuangan syariah yang gagal dalam melakukan proses IPO. Tujuan dari penelitian ini adalah untuk mengetahui perbandingan tingkat kesehatan PT. Bank Panin Dubai Syariah Tbk sebelum dan sesudah IPO dengan metode RGEC periode 2010-2017. rasio yang digunakan yaitu NPF (Non Performing Financing), GCG (Good Corporate Governance), BOPO (Biaya Operasional Terhadap Pendapatan Operasional) dan CAR (Capital Adequacy Ratio). Penelitian ini menggunakan metode penelitian kuantitatif dengan teknik pengumpulkan data secara dokumentasi, data didapatkan dari laporan keuangan PT. Bank Panin Dubai Syariah secara triwulan. Uji analisis yang digunakan adalah uji beda Paired Sample T-Test. Berdasarkan hasil pengujian dengan menggunakan uji statistik Paired Sample T-Test terhadap rasio NPF memperoleh T hitung sebesar -5,426 dengan nilai Sig (2-Tailed) sebesar 0.000<0.05 sehingga menunjukkan terdapat perbedaan tingkat kesehatan rasio NPF sebelum dan sesudah IPO. Rasio GCG memperoleh T hitung sebesar 1.547 dengan nilai Sig (2-Tailed) sebesar 0.143 > 0.05 sehingga menunjukkan tidak terdapat perbedaan tingkat kesehatan rasio GCG sebelum dan sesudah IPO. Rasio BOPO memperoleh Thitung sebesar 0.318 dengan nilai Sig (2-Tailed) sebesar 0.755 > 0.05 sehingga menunjukkan tidak terdapat perbedaan tingkat kesehatan rasio BOPO sebelum dan sesudah IPO. Rasio CAR memperoleh T hitung sebesar 4.482 dengan nilai Sig (2-Tailed) sebesar 0.000 < 0.05 sehingga menunjukkan terdapat perbedaan tingkat kesehatan rasio CAR sebelum dan sesudah IPO. Secara keseluruhan hasil penelitian ini menunjukkan bahwa tidak terdapat perbedaan signifikan tingkat kesehatan PT. Bank Panin Dubai Syariah Tbk pada rasio GCG dan BOPO sebelum dan sesudah IPO, sedangkan pada rasio NPF dan CAR terdapat perbedaan signifikan tingkat kesehatan PT. Bank Panin Dubai Syariah Tbk sebelum dan sesudah IPO.

Faktor-faktor yang mempengaruhi minat masyarakat mengajukan kredit di Financial Technology Aulia; Zulkarnaini; Early Ridho Kismawadi
Jurnal Investasi Islam Vol 5 No 2 (2020): Jurnal Investasi Islam
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v5i2.2391

The purpose of this study was to find out how ease of use, effectiveness and risk affected people’s interest in applying for dibfintech loans. The type of research used is quantitative. Data collection techniques used were questionnaires. The population in this study is the entire community in the district of Aceh Tamiang. The sampling technique used was a quota sampling technique with a total of 75 people. Data analysis techniques using the classic assumption test, multiple linear regression test, hypothesis testing and coefficient of determination test. The results showed that partial ease of use had a positive and significant effect on people’s interest in applying for credit at fintech with a value of t arithmetic 2,506 > 1,993 (t table) and sig value 0,003 < 0,05. Partially the effectiveness is positive and significant effect on people’s interest in applying for credit in fintech with a calculated exchange rate of 3,603 > 1,993 (t table) and a sig value of 0,002 < 0,05. Partially the risk of positive and significant effect on people’s interest in applying for credit in fintech with a value of t arithmetic 2,296 > 1,993 ( t table) and a sig value of 0,004 < 0,05. Simultaneously the ease of use, effectiveness and risk have a positive and significant impact on people’s interest in applying for credit at fintech. This is evidenced by the calculated F value > F table (4,192 > 3,12)

The Influence of Youth in Regional Development Through the Management of Aceh's Special Autonomy Fund in Langsa City M Irvanni Bahri; Sirojuzilam Sirojuzilam Sirojuzilam; Rujiman Rujiman Rujiman; Early Ridho Kismawadi
E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Vol 22, No 1 (2021): Volume 22, Nomor 1, April 2021
Publisher : Faculty of Economics and Business, Universitas Malikussaleh

This research aims to determine the contribution of youth in regional development through the management of special autonomy funds in Langsa City, then to find out the factors that encourage and hinder youth in the development of the region through the management of special autonomy funds in Langsa City. The method used in this research is quantitative method by looking at the influence of youth in regional development through the management of special autonomy funds in Langsa City, this research was conducted in Langsa City by testing hypotheses and explaining and identifying causal relationships between various variables. The population in this study was 22,916 youth people age range from 16 - 30 years, so the percentage of leeway used is 10 % and the calculation results using slovin formula can be rounded to 100 people as a sample. The results of youth research in Langsa City have a significant influence in the development of the region through the management of special autonomy funds.

OTORITAS JASA KEUANGAN (FINANCIAL SERVICES AUTHORITY) DAN INDUSTRI PERBANKAN SYARIAH DI INDONESIA Early Ridho Kismawadi
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 1, No 2 (2016)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/v4i1.1235

Supervision of the financial industry has a very important thing, it relates to the stability of theeconomy, it is necessary for an institution to regulate and supervise the financial industry ofbanks, and non bank financial industries . Before the Financial Services Authority (OJK) wasformed, Bank Indonesia served as macroprudential and microprudential supervisor, but with thepresence of Bank Indonesia OJK task can be focused to achieve and maintain rupiah stability. asthe new agency the OJK is still relatively not so well known, for it is in this paper will bedescribe the authority of the OJK and its relation with the supervision of Islamic banking inIndonesia .

Evaluasi Tingkat Efisiensi Bank Pembiayaan Rakyat Syariah di Provinsi Aceh dengan Metode Data Envelopment Analysis Early Ridho Kismawadi; Junaidi
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 3, No 1 (2018)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/v3i1.1239

In this paper will discuss the efficiency of Islamic banking, especially Islamic Rural Banks (Sharia BPR) in Aceh Province, the approach used in calculating efficiency is the Data Envelopment Analysis (DEA) method, with the help of DEAP 2.1 software, obtained that Sharia BPR in Aceh Province the majority have operated efficiently.

What Determines the Financial Performance of Islamic Banks in Indonesia? Early Ridho Kismawadi; Abdul Hamid; Rasydah Rasydah; Aigatama Rafida
Share: Jurnal Ekonomi dan Keuangan Islam Vol 10, No 2 (2021)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

This study aims to determine the effect of the Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Operational Efficiency Ratio (OER) at Islamic Commercial Banks in Indonesia for the 2010-2019 period. The test was carried out using panel data regression with the Random Effect Model (REM) model, tested using the t-test and f test with a significance of 5%. Based on the results of the t-test, partially, OER has a negative and significant effect on Return on Assets (ROA), whilst NPF and CAR do not significantly affect ROA. Moreover, the results of the F-test show that CAR, NPF, and OER simultaneously affect ROA. The results of this study indicate that to maximize the financial performance of Islamic banking in Indonesia, the Islamic banks must pay attention to the OER variable.==========================================================================================================ABSTRACT - Determinan Apa yang Mempengaruhi Kinerja Keuangan Bank Syariah di Indonesia? Penelitian ini bertujuan untuk menganalisis pengaruh Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), dan Beban Operasional terhadap Pendapatan Operasional (BOPO) pada Bank Umum Syariah di Indonesia periode 2010-2019. Pengujian dilakukan menggunakan regresi data panel dengan model Random Effect Model (REM) yang pengujiannya menggunakan uji t dan uji f dengan signifikansi yaitu 5%. Berdasarkan hasil uji t, secara parsial BOPO berpengaruh negatif dan signifikan terhadap Return on Asset (ROA), sedangkan variabel NPF dan CAR tidak memiliki pengaruh yang signifikan terhadap ROA. Selanjutnya, hasil uji F menunjukkan bahwa CAR, NPF, dan BOPO secara simultan berpengaruh terhadap ROA. Hasil penelitian ini memberikan rekomendasi kepada Bank Syariah di Indonesia agar memberikan perhatian yang lebih serius terhadap variabel BOPO jika ingin memaksimalkan kinerja keuangannya..

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUH NASABAH MELAKUKAN DEPOSITO MUDHARABAHPADA BANK ACEH SYARIAH CABANG PEMBANTU IDI RAYEUK febi febi; Muhammad Dayyan; Early Ridho Kismawadi; Muliana Muliana
JIM: Jurnal Ilmiah Mahasiswa Vol 1, No 1 (2019): April 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v1i1.467

AbstractThis study aims to determine the factors that affect customers to deposit mudharabah at Aceh Sharia Bank Idi Rayeuk Branch and to determine the partial and simultaneous effect on interest in mudharabah deposits. There are several factors that influence customers in performing mudharabah deposits such as the influence of profit sharing factors, service factors and promotion factors. This study is quantitative study, using 81 respondents as research sample. Sampling in this research is done by probability sampling with Random sampling method, that sample selection technique without considering the level that exist in that population. Data collection techniques using questionnaires as many as 41 items of questions assessed by the likert scale 1-5 and tested its feasibility using the validity and realiability test. The collected data were classical assumption test including multicolinearity test, heterokedasticity, normality, autocorrelation and linearity. To analysis data using multiple regression with determination test method, F test and t test. Based on multiple regression analysis at significance level 5% showed that simultaneously factor of profit sharing, service factor and promotion factor have a significant positive effect to make decision to do mudharabah deposit. The results also show partially that (1) there is a significant positive effect of profit sharing factor to make decision to do deposit mudharabah at Aceh Sharia Bank Idi Rayeuk Branch; (2) there is a significant positive effect of service factor to make decision to do deposit mudharabah at Aceh Sharia Bank Idi Rayeuk Branch; and (3) there is a significant negative effect of profit sharing factor to make decision to do deposit mudharabah at Aceh Sharia Bank Idi Rayeuk Branch. The service factor variable has the most dominant influence with significance (0,000 <0.05) and tcount> ttable (4,518> 1,991).

PENGARUH KEPERCAYAAN, KEAMANAN, MANFAAT DAN KEMUDAHAN TERHADAP PENGGUNAAN MOBILE BANKING Ramayani; Abdul Hamid; Early Ridho Kismawadi
JIM: Jurnal Ilmiah Mahasiswa Vol 2, No 2 (2020): Oktober 2020
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v2i2.2638

Penelitian ini bertujuan untuk menganalisis pengaruh kepercayaan, keamanan, manfaat dan kemudahan terhadap penggunaan layanan mobile banking Bank Syariah Mandiri. Penelitian ini menggunakan kuisioner sebagai instrument untuk mengumpulkan data sebanyak 100 responden. Responden tersebut merupakan nasabah pengguna mobile banking Bank Syariah Mandiri cab. Kuala Simpang. Penentuan sampel menggunakan metode probability sampling dan metode analisis yang digunakan adalah analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa secara persial variabel kepercayaan memiliki nilai signifikasi 0,003 < 0,05, keamanan (0,016 < 0,05), manfaat (0,10 < 0,05) dan kemudahan (0,003 < 0,05) berarti semua variabel pada penelitian ini berpengaruh secara signifikan terhadap penggunaan fasilitas mobile banking Bank Syariah Mandiri. Kemudian secara simultan variabel kepercayaan, keamanan, manfaat dan kemudahan berpengaruh secara signifikan terhadap penggunaan fasilitas mobile banking Bank Syariah Mandiri dengan nilai signifikansi 0,000 < 0,05

Co-Authors Abdul Hamid Abdul Hamid Abdul Hamid Abdul Hamid ABDUL HAMID Aigatama Rafida Ainun Mardhiah Ainun Mardhiah, Ainun Al Muddatstsir, Uun Dwi Aulia Bahri, M Irvani Bahri, M Irvanni Basri Budiman, Iskandar Carin Varisa Chalil, Rifyal Dahlawy Chuzaimah Batubara Dessy Noor Farida Dessy Noor Farida Devi Yani Deviantika Fahriza Erlindawati Erlindawati Erlindawati, Erlindawati febi febi Friska Anggi Siregar Hadi, T Saiful Hartati, Yuliana Eva Hisan, Khairatun I Ketut Suada ISKANDAR Ismail Fahmi Ar Rauf Nasution Isnaini Harahap Junaidi Junaidi Junaidi Marliyah Muddatstsir, Uun Dwi Al Muhammad Dayyan Muliana Muliana Murni Rofika Nanda Safarida Nasution, Ismail Fahmi Ar Rauf Oktavializa Oktavializa Putri Nathasyah Rafida, Aigatama Ramayani Rasydah Rasydah Rasydah, Rasydah Rujiman Rujiman Rujiman Sari, Mila Sheyla Nurhaliza Siagian, Yupin Kirana Sirojuzilam Hasyim Sri Novianti Srie Shailla Meidhany Tambunan, Khairina Tri Siwi Agustina Uun Dwi Al Muddatstsir Yani, Devi Yuliana Eva Hartati Zulfa Eliza Zulkarnaini Zulkarnaini

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