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All Journal MUQTASID MIQOT: Jurnal Ilmu-ilmu Keislaman HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam INTERNATIONAL JOURNAL ON LANGUAGE, RESEARCH AND EDUCATION STUDIES Syntax Literate: Jurnal Ilmiah Indonesia NUR EL-ISLAM : Jurnal Pendidikan dan Sosial Keagamaan Muqtasid: Jurnal Ekonomi dan Perbankan Syariah NUSANTARA : Jurnal Ilmu Pengetahuan Sosial Al-Mada: Jurnal Agama, Sosial, dan Budaya At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam International Journal of Zakat (IJAZ) Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences International Journal Of Science, Technology & Management (IJSTM) Proceeding International Seminar of Islamic Studies Jurnal Iqtisaduna
M. Yasir Nasution
Universitas Islam Negeri Sumatera Utara
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Mechanical Engineering Physics Social Sciences Transportation Other

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Top Five Ranking of Sharia Financial Acades with the Potential of Fraud (Case Study of Three Sharia Commercial Banks) In North Sumatera M. Yasir Nasution; Andri Soemitra; Wilchan Robain
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 4, No 1 (2021): Budapest International Research and Critics Institute February
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i1.1644

Abstract

The purpose of this study was to find the top five rankings of sharia finance contracts with the potential for fraud (case study of three sharia commercial banks) in North Sumatra. This research uses a combination of quantitative and qualitative research methods, data analysis with Analytical Networking Process (ANP) techniques through Super Decision Software, conducting open and in-depth interviews with 9 respondents, Focus Group Discussion (FGD) with practitioners and sharia finance experts. In this case, it was found that the top five rankings of sharia financial contracts have the potential for fraud (a case study of three sharia commercial banks) in North Sumatra, namely Ijarah 23.34%, murabahah 14.86%, kafalah or kafalah bil ujrah 8.71%, musyarakah 8.22% and mudharabah 6.28%.
Implementation Strategy of the Mutanaqishah Musyarakah Academic at Home Ownership Financing in Sharia Banks in Indonesia Tuti Anggraini; M. Yasir Nasution; Andri Soemitra
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 4, No 2 (2021): Budapest International Research and Critics Institute May
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i2.1941

Abstract

This research aims to: (1) Knowing the obstacles faced in implementing the Mutanaqisah Musharaka Financing (2) The solutions taken to overcome these obstacles; and (3) the right strategy to apply musyarakah mutanaqisah financing. This study uses the Analytic Network Process (ANP) method and the assistance of Super Decision software. ANP is carried out in three stages, namely: first, in-depth interviews with Islamic banking experts and practitioners to identify the factors that influence the minimum amount of musyarakah mutanaqisah. Second, the results of the first step are used to create an ANP framework and a questionnaire addressed to Islamic banking experts and practitioners; and third, ANP analysis to determine the best priorities, solutions and strategies for implementing Musyarakah mutanaqisah financing in Islamic banking.The results showed that: (1) The constraints faced by Islamic banking in implementing Musyarakah Mutanaqisah financing for Islamic banking KPRS financing can be divided into two, namely internal and external problems. Internal problems stem from internal banking, banking human resources, and musyarakah mutanaqisah financing products. External problems originate from customers, authorities, and Islamic banks. The most priority problem faced is internal problems, namely human resources (HR) associated with low knowledge and skills about the MMQ contract. Meanwhile, the most dominant external problem is Islamic banking with a lack of insight into the MMQ contract. (2) The solutions given in determining the financing strategy for the musyarakah mutanaqisah are divided into two, namely internal and external solutions. The most priority solution comes from internal solutions, namely product solutions in the form of Islamic banking that must vary the contract, especially for the MMQ contract; and (3) The alternative with the most priority in determining the financing implementation strategy with the musyarakah mutanaqisah contract in Islamic banking is the Socialization and Education Program, followed by Contract Optimization, Portfolio Development, Image Strengthening, MMQ Segmentation Mapping, and MMQ financing market segmentation.
The Influence of Culture, Social, Personal, and Psychological Toward the Behavior of Choosing Islamic Finance: A Study in the Community of Aceh Province Indonesia M. Yasir Nasution; Saparuddin Siregar; Hidayati Siregar
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 4, No 1 (2021): Budapest International Research and Critics Institute February
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i1.1739

Abstract

The high demand for motorbikes in the people of Aceh Province has led to an increase in the amount of motorcycle financing in the Province of Aceh. The purpose of this study is to find out and analyze how the behavior of the people of Aceh Province in choosing Islamic finance as a place for motorcycle financing. This study also aims to determine the obstacles and efforts made by Islamic finance companies so that the people of Aceh choose Islamic finance as a place of financing. Type of research is quantitative-qualitative method. The analysis technique used in quantitative research is the Structural Equation Model using AMOS 22.1 software, while qualitative research data are obtained through observation, interviews and documentation. The data analysis technique used in this study is an interactive model analysis consisting of data collection, data reduction, data presentation and conclusion drawing. This study produced cultural variables that produced P values (0.703), social variables with P values (0.070) and psychological variables with P values (0.395). Each of these variables does not affect the behavior of the people of Aceh Province in choosing Islamic finance as a place of financing. While the personal variable has a positive and significant effect on the P value (0.003) which is below the critical value of 0.05. While cultural, social, personal and psychological variables simultaneously do not affect people's behavior in choosing Islamic finance. Cultural variables on personal, cultural on psychological and social on psychological have a positive and significant effect, where each P value is brought to a critical value of 0.05. Personal variables and psychological variables do not have an indirect influence on the behavior of the people of Aceh Province in choosing Islamic finance with culture as an intervening variable. Likewise, personal and psychological variables do not have an indirect influence on the behavior of the people of Aceh Province in choosing Islamic finance with social as an intervening variable.
Co-Authors , Wilchan Robain Andri Soemitra Andri Soemitra Andri Soemitra Arief Rachman Arifin Fauzi Lubis Budi Trianto Busriadi Busriadi Busriadi, Busriadi Dina Arfianti Siregar Elida Elfi Barus Hamdani, Lukman Hidayati Siregar Kaswinata Kaswinata Lukman Hamdani Marlya Fatira AK Muslim Marpaung Ngatno Syahputra Saparuddin Siregar Saparuddin Siregar Saparuddin Siregar Saparuddin Siregar Saparuddin Siregar Sri Wahyuni Hasibuan Sriwahyuni Sriwahyuni Sugianto Sugianto Sugianto Sugianto Sugianto Sugianto Syahputra, Angga Tuti Anggraini