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This Author published in this journals
All Journal Kunuz: Journal of Islamic Banking and Finance Maqrizi : Journal of Economics and Islamic Economics
Chadijah Haris
Institut Agama Islam Negeri Manado
Religion Economics, Econometrics & Finance Social Sciences

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Permasalahan Kredit Perbankan Syariah: Analisis Manajemen Risiko Kredit di Bank Muamalat Manado Cantika Aurelia Ramadina Taha; Chadijah Haris; Rosdalina Bukido
Kunuz: Journal of Islamic Banking and Finance Vol 2 No 2 (2022)
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kunuz.v2i2.353

Abstract

This study describes the effectiveness of credit risk management at Bank Muamalat. The research was conducted at Bank Muamalat Manado. Researchers used qualitative research methods with a descriptive approach. The primary data was collected using semi-structured interviews with Bank Muamalat Manado, and then a three-stage analysis was carried out, data reduction, presentation, and decision-making. Researchers found effectiveness in controlling credit risk at Bank Muamalat. This can be proven by the significant decrease in 2018-2019, namely from 226 to 117 total customers with problems. In addition, researchers also found that in 2020-2021, 198 to 184 total customers with problems. There are two ways of controlling credit risk applied by Bank Mualamat. First, the selection of four criteria, namely personality, psychology, capacity, capital, collateral, and situation. Second, so there are no troubled customers, the bank takes four stages: voluntary payments, AYDA, WO, and collateral auctions. Both of these methods are very important to reduce the occurrence of non-tearing financing. However, credit risk at Bank Muamalat can arise if the evaluation of potential clients and financing strategies from financial institutions are not strict.
Gaming Marketplace of Metaverse: Sistem Jual Beli Muslim Milenial pada Virtual Game Highrise dalam Ekonomi Islam Chadijah Haris; Misbahul Munir Makka
Maqrizi: Journal of Economics and Islamic Economics Vol 3 No 1 (2023): Vol 3 No 1 (2023): MAQRIZI: JOURNAL OF ECONOMICS AND ISLAMIC ECONOMICS
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/maqrizi.v3i1.579

Abstract

Highrise menjadi salah satu metaverse bersifat virtual game yang digandrungi para anak muda tak terkecuali Muslim Milenial sebagai pengguna akun game Highrise. Selain bersifat sebagai sosial media, game ini juga dijadikan sebagai sarana jual beli sesama pengguna aplikasi. Penelitian ini betujuan untuk menggambarkan kreativitas anak-anak muda Muslim milenial dalam melakukan jual beli online dalam sebuah aplikasi virtual game online ‘Highrise’. Penelitian ini adalah penelitian kualitatif dengan etnografi virtual. Peneliti mengumpulkan data dengan mengamati berbagai aktivitas di dalam virtual game ini serta melakukan wawancara lepas dengan beberapa pengguna akun Highrise. Hasil yang didapatkan adalah para pengguna akun game Highrise melakukan dua model jual beli yakni jual beli item models dan buiding room. Jual beli ini dilakukan dengan mengguanakan mata uang Highrise Gold. Sistem transaksi ini dilakukan dengan tiga cara yakni Post/Storefront, Spin Grab dan Black Market. Dalam sistem game ini juga sering disalahgunakan dalam hal cheating/scam dalam melakukan jual beli bahkan hal ini dilakukan juga oleh Muslim juga.
The Pattern of Spending Money on Male and Female Students Lilly Anggrayni; Sjamsuddin A.K. Antuli; Chadijah Haris; Salsabilah Nur Angraini Taduengo
Maqrizi: Journal of Economics and Islamic Economics Vol 3 No 2 (2023): Maqrizi : Journal of Economics and Islamic Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Over 65 Economic students completed the questionnaire on their source of personal income, saving, and spending. The particular attention was the income of the students who are doing part time job and who are not. The respondents also ansewered the various questions about spending money. Over 65% of economic students still depend on their parents on the financial matter and about 10% of students who had independent life. The Purpose of the study was to know the pattern of spending money on male and female of economic students. The Statistic descriptive had been used to test the data which is collected by using google form. This study found that the economic students still had lack of knowledge and skill about financial Literacy.
Co-Authors Cantika Aurelia Ramadina Taha Lilly Anggrayni Misbahul Munir Makka Rosdalina Bukido Salsabilah Nur Angraini Taduengo Sjamsuddin A.K. Antuli