Articles
<![CDATA[Dimensions and Orientation of Sharia Banking Corporate Social Responsibility In the Society 5.0 ]]>
<![CDATA[Elmiliyani Wahyuni-S]]>;
<![CDATA[Revi Candra]]>;
<![CDATA[Dri Asmawanti-s]]>
<![CDATA[ AL-FALAH : Journal of Islamic Economics Vol 5, No 2 (2020) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri (IAIN) Curup ]]>
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DOI: 10.29240/alfalah.v5i2.1832
<![CDATA[Objective: This article aims to examine the scope of the implementation of Corporate Social Responsibility in Sharia banking as well as orientation that sharia banking should do in the 5.0 Society era.Design/approach: This writing uses a qualitative descriptive approach.Findings: In general, this article succeeded in formulate the form or orientation of Corporate Social Responsibility that should be implemented by sharia banking, more promoting community service that is minimal covering 6 dimensions, namely community settlements, energy, prevention/disaster mitigation, health, food and logistics.Originality/value: This paper is believed to be important and significant especially in an increasingly advanced age. With the emergence of the Society 5.0 is expected to synergize with Sharia banking CSR program to accelerate and provide effectiveness on the social responsibility of sharia banking that is perceived by the community, as well as the input for Sharia banking institutions so that the CSR program should be oriented to the acceleration of social welfare, to provide facilities to the community as a capital to face the global challenge.]]>
<![CDATA[Analisis Penanganan Pembiayaan Murabahah Non Performing Financing (NPF) Dengan Mitigation Of Risk In Islamic Financial Institutions Di KJKS BMT Al-Makmur Cubadak Lima Kaum Kab. Tanah Datar ]]>
<![CDATA[Elmiliyani Wahyuni]]>;
<![CDATA[Sri Maulidia]]>
<![CDATA[ ISTIKHLAF: Jurnal Ekonomi, Perbankan dan Manajemen Syariah Vol 2 No 1 (2020): (Maret 2020) ]]>
Publisher : <![CDATA[Institut Agama Islam Yasni Bungo ]]>
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DOI: 10.51311/istikhlaf.v2i1.219
<![CDATA[Permasalahan dalam penelitian ini adalah terjadinya pembiayaan murabahah bermasalah (NPF) selama tiga tahun terakhir mengalami kenaikkan yang signifikan pada KJKS BMT Al-Makmur Cubadak Lima Kaum Kabupaten Tanah Datar. Sehingga diperlukan cara penanganan pembiayaan bermasalah berdasarkan mitigation of risk. Penelitian ini menggunakan pendekatan kualitatif untuk mengetahui bagaimana analisis penanganan pembiayaan murabahah bermasalah (NPF) apakah telah sesuai dengan ketetapan yang telah ditentukan. Hasil penelitian menunjukan bahwa penyebab terjadinya pembiayaan bermasalah yaitu kurangnya analisis dalam menganalisa karakter nasabah, kelemahan dalam melakukan pembinaan dan monitoring pembiayaan, penurunan pendapatan usaha nasabah, dan nasabah yang sengaja menghindar. Mitigasi menghindari risiko dilakukan dengan menerapkan denda sebesar Rp 1000 untuk satu kali keterlambatan, dan memberikan potongan tagihan kepada nasabah yang mampu melunasi pembiayaan sebelum waktu jatuh tempo berakhir. Kemudian mitigasi kedua yang dilakukan mengurangi risiko dengan menerapkan pola pembiayaan untuk meringankan angsuran pembayaran anggota yang mengalami kesulitan dalam membayar, dengan sistem rescheduling, dalam hal ini BMT menerapkan pola perpanjangan waktu, dan kebijakan pengurangan tunggakan bagi hasil. Tetapi dalam hal lain BMT tidak melakukan penarikkan jaminan, konversi akad dan juga litigasi dikarenakan pihak BMT menyelesaiakan permasalahan pembiayaan dengan jalan musyawarah.]]>
<![CDATA[SATANIC FINANCE DALAM PERBANKAN SYARIAH ]]>
<![CDATA[Elmiliyani Wahyuni]]>
<![CDATA[ ILTIZAM Journal of Shariah Economics Research Vol. 2 No. 1 (2018): Iltizam Journal of Shariah Economic Research ]]>
Publisher : <![CDATA[Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI ]]>
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DOI: 10.30631/iltizam.v2i1.109
<![CDATA[Perbankan Syariah dianggap sebagai alternatif perbankan konvensional, karena bank syariah beroperasi berdasarkan prinsip syariah, tidak ada pihak yang menzhalimi dan dizhalimi. Perkembangan perbankan syariah tentunya harus didukung oleh sumber daya insani yang memadai. Namun, realitas yang ada sering terjadi praktek Satanic Finance tubuh perbankan syariah dengan menjalankan transaksi pengelabuan yang melanggar prinsip syariah guna meraih keuntungan. Penelitian ini bertujuan untuk menjelaskan praktek Satanic Finance yang terjadi dalam perbankan syariah serta solusi untuk mengantisipasi dan meminimalisir suburnya Satanic Finance dalam perbankan syariah. Jenis penelitian ini adalah library research, dengan pendekatan deskriptif kualitatif. Hasil analisis menunjukkan bahwa bank syariah dalam menjalankan operasionalnya masih banyak terjadi praktek satanicatau yang tidak sesuai dengan prinsip syariah. Adapun praktek satanic tersebut diantaranya riba, gharar, maysir, zalim. Praktek satanic dalam sistem perbankan syariah tercermin dari peran ganda perbankan yang saling bertentangan, bank yang tidak memiliki usaha riil, bank yang tidak siap menanggung kerugian nasabah, semua nasabah mendapatkan bagi hasil.]]>
<![CDATA[Student Interest In Investing In Sharia Capital Market: What Is The Influence Of Product Information? ]]>
<![CDATA[Elmiliyani Wahyuni]]>;
<![CDATA[Helma Gusnita]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 2, No 2 (2022): July - Desember 2022 ]]>
Publisher : <![CDATA[IAIN Batusangkar ]]>
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DOI: 10.31958/ab.v2i2.5722
<![CDATA[The purpose of this study was to determine the effect of product information (capital market instruments) on interest in investing in the Islamic capital market. The variables in this study consisted of the marketing of capital market instruments and interest in investing in the Islamic capital market. This type of research is field research with quantitative methods. The steps of data analysis using analysis tools of validity test, reliability test, correlation analysis, and hypothesis testing (simple linear regression test, t-test, and analysis of determination). The result of this study is that information on capital market instruments has a positive and significant effect on interest in investing in the Islamic capital market. One of the implications of this research is that the Islamic Investment Gallery IAIN Batusangkar further enhances the dissemination of information on Islamic capital market products to students so that they are interested in investing]]>
<![CDATA[Keputusan Mahasiswa Menggunakan Jasa Perbankan Syariah : Apakah Pengaruh Literasi Keuangan Syariah ? ]]>
<![CDATA[Elvinda Yulianti]]>;
<![CDATA[Elmiliyani Wahyuni S]]>;
<![CDATA[Suwardi Suwardi]]>;
<![CDATA[Revi Candra]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 3, No 1 (2023): January - June 2023 ]]>
Publisher : <![CDATA[IAIN Batusangkar ]]>
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DOI: 10.31958/ab.v3i1.8027
<![CDATA[This study aims to determine the effect of Islamic financial literacy on the decisions of students majoring in Islamic banking at the Faculty of Economics and Islamic Business IAIN Batusangkar in the use of Islamic banking services. This type of research is field research with an associative descriptive quantitative approach. The analysis technique uses simple linear regression. Data collection techniques using questionnaires from sample data as many as 85 people. The results showed that Islamic financial literacy had a positive and significant effect on the decisions of students majoring in Islamic banking in using Islamic banking services with a contribution of 58.9%. The rest is influenced by other variables not examined in this study]]>
<![CDATA[Analisis Penanganan Pembiayaan Murabahah Non Performing Financing (NPF) Dengan Mitigation Of Risk In Islamic Financial Institutions Di KJKS BMT Al-Makmur Cubadak Lima Kaum Kab. Tanah Datar ]]>
<![CDATA[Elmiliyani Wahyuni]]>;
<![CDATA[Sri Maulidia]]>
<![CDATA[ ISTIKHLAF: Jurnal Ekonomi, Perbankan dan Manajemen Syariah Vol. 2 No. 1 (2020): (Maret 2020) ]]>
Publisher : <![CDATA[Institut Agama Islam Yasni Bungo Jambi, Indonesia ]]>
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DOI: 10.51311/istikhlaf.v2i1.219
<![CDATA[Permasalahan dalam penelitian ini adalah terjadinya pembiayaan murabahah bermasalah (NPF) selama tiga tahun terakhir mengalami kenaikkan yang signifikan pada KJKS BMT Al-Makmur Cubadak Lima Kaum Kabupaten Tanah Datar. Sehingga diperlukan cara penanganan pembiayaan bermasalah berdasarkan mitigation of risk. Penelitian ini menggunakan pendekatan kualitatif untuk mengetahui bagaimana analisis penanganan pembiayaan murabahah bermasalah (NPF) apakah telah sesuai dengan ketetapan yang telah ditentukan. Hasil penelitian menunjukan bahwa penyebab terjadinya pembiayaan bermasalah yaitu kurangnya analisis dalam menganalisa karakter nasabah, kelemahan dalam melakukan pembinaan dan monitoring pembiayaan, penurunan pendapatan usaha nasabah, dan nasabah yang sengaja menghindar. Mitigasi menghindari risiko dilakukan dengan menerapkan denda sebesar Rp 1000 untuk satu kali keterlambatan, dan memberikan potongan tagihan kepada nasabah yang mampu melunasi pembiayaan sebelum waktu jatuh tempo berakhir. Kemudian mitigasi kedua yang dilakukan mengurangi risiko dengan menerapkan pola pembiayaan untuk meringankan angsuran pembayaran anggota yang mengalami kesulitan dalam membayar, dengan sistem rescheduling, dalam hal ini BMT menerapkan pola perpanjangan waktu, dan kebijakan pengurangan tunggakan bagi hasil. Tetapi dalam hal lain BMT tidak melakukan penarikkan jaminan, konversi akad dan juga litigasi dikarenakan pihak BMT menyelesaiakan permasalahan pembiayaan dengan jalan musyawarah.]]>
<![CDATA[The Impact of Capital Structure and Profitability on Stock Prices in The Property Sector Companies and Real Estate Listed on The Indonesia Stock Exchange ]]>
<![CDATA[Alya Innasya Puteri]]>;
<![CDATA[Elmiliyani Wahyuni]]>
<![CDATA[ ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 14, No 1 (2023) ]]>
Publisher : <![CDATA[Universitas Islam Negeri Sultan Maulana Hasanuddin Banten ]]>
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DOI: 10.32678/ijei.v14i1.411
<![CDATA[The purpose of this study was to determine the effect of capital structure through the Debt-to-Equity Ratio (DER) and profitability through Return on Equity (ROE) on stock prices in property and real estate sector companies on the Indonesia Stock Exchange (IDX) for the 2016-2021 period. This type of research is field research (field research). By using a quantitative descriptive approach to describe the effect of capital structure, and profitability on stock prices of Property and Real Estate companies for the 2016-2021 period. The population in this study was 86 Property and Real Estate companies. With the purposive sampling technique, only 32 companies were sampled in this study. Data collection techniques use documentation techniques in the form of Annual Reports, statistical reports on annual stock movements, and other data through the Indonesia Stock Exchange website for 6 years. The results of the research that the authors obtained indicate that the Capital Structure through the Debt-to-Equity Ratio (DER) on stock prices. Profitability through Return on Equity (ROE) on stock prices has a negative effect. Capital Structure through Debt-to-Equity Ratio (DER) and Profitability through Return on Equity (ROE) can jointly affect the Stock Price. Based on the results of the coefficient of determination test, it is known that stock prices are influenced by capital structure and profitability by 3.4% while the remaining 96.6% is influenced by other variables outside of this study. Whereas the things that can affect changes in the price of shares are Return on Asset (ROA), return On Equity (ROE), Debt To Asset Ratio (DAR), Debt To Equity Ratio (DER), Book Value Per Share (BVS), Price Book Value (PBV), and Earning Per Share (EPS).]]>
<![CDATA[PRINCIPLES OF IMPLEMENTATION OF FINANCIAL LITERACY AT BMT ALMABRUK BATUSANGKAR BASED ON SE OJK NUMBER 30/SEOJK.07/2017 ]]>
<![CDATA[Elmiliyani Wahyuni S]]>;
<![CDATA[Ginta Dwi Lestari]]>
<![CDATA[ AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 4 No. 2 (2022): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe ]]>
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DOI: 10.52490/attijarah.v4i2.669
<![CDATA[The purpose of this study is to find out the principles of implementing financial literacy in BMT based on SEOJK Number 30/SEOJK.07/2017. This type of research is a field research with a qualitative approach. The results showed that the principle of implementing financial literacy carried out by BMT Almabruk Batusangkar was based on SEOJK regulations Number 30/SEOJK.07/2017, namely planned and measurable, optimizing existing resources, and sustainable, not yet collaborating with stakeholders. The strategy for implementing the financial literacy function or unit at BMT Almabruk is through direct socialization to customers and prospective customers, as well as, through indirect socialization, namely through print and electronic media. Meanwhile, the obstacles and challenges faced are human resources who are not yet competent in their fields, as well as the lack of product innovation and limited technological facilities.]]>
<![CDATA[PENGARUH KURS DOLAR AS DAN INFLASI TERHADAP DANA PIHAK KETIGA (DPK) PADA BANK NAGARI SYARIAH CABANG BATUSANGKAR ]]>
<![CDATA[Elmiliyani Wahyuni]]>;
<![CDATA[Yeni Melia]]>;
<![CDATA[Meria Ulfa]]>
<![CDATA[ AL-ITTIFAQ: Jurnal Ekonomi Syariah Vol 1, No 1 (2021): Al-Ittifaq: Jurnal Ekonomi Syariah ]]>
Publisher : <![CDATA[UIN Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/al-ittifaq.v1i1.3264
<![CDATA[This study aims to analyze and determine the effect of the US Dollar Exchange Rate and Inflation on Third Party Funds (TPF) at Bank Nagari Syariah Batusangkar Branch for the period 2013-2018. The type of research used in this research is field research with quantitative research methods using a descriptive approach, and using eviews analysis tools with multiple regression and using the Ordinary Least Square (OLS) estimation method. The results of this study indicate that the US Dollar exchange rate variable with a coefficient value (8.141176), the probability value (0.0332) has a positive and significant effect on Third Party Funds (TPF), the inflation variable has a negative and insignificant effect on Third Party Funds (TPF) with a coefficient value ( -0.697542) probability value (0.1019) while the variable US dollar exchange rate and inflation together have a positive and significant effect on third party funds using the Ordinary Least Square (OLS) method, the F-statistic value is 31.98483 with a probability of 0.009481.]]>
<![CDATA[Student Interest In Investing In Sharia Capital Market: What Is The Influence Of Product Information? ]]>
<![CDATA[Elmiliyani Wahyuni]]>;
<![CDATA[Helma Gusnita]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 2, No 2 (2022): July - Desember 2022 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mahmud Yunus Batusangkar ]]>
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DOI: 10.31958/ab.v2i2.5722
<![CDATA[The purpose of this study was to determine the effect of product information (capital market instruments) on interest in investing in the Islamic capital market. The variables in this study consisted of the marketing of capital market instruments and interest in investing in the Islamic capital market. This type of research is field research with quantitative methods. The steps of data analysis using analysis tools of validity test, reliability test, correlation analysis, and hypothesis testing (simple linear regression test, t-test, and analysis of determination). The result of this study is that information on capital market instruments has a positive and significant effect on interest in investing in the Islamic capital market. One of the implications of this research is that the Islamic Investment Gallery IAIN Batusangkar further enhances the dissemination of information on Islamic capital market products to students so that they are interested in investing]]>
