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Sosialisasi Pengelolaan Keuangan Daerah Di Kabupaten Penajam Paser Utara Akbar Lufi Zulfikar; Selly Swandari; Swadia Gandhi Mahardika
AMMA : Jurnal Pengabdian Masyarakat Vol. 2 No. 9 : Oktober (2023): AMMA : Jurnal Pengabdian Masyarakat
Publisher : CV. Multi Kreasi Media

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Abstract

Effective and efficient regional financial management requires legal regulations that are outlined in statutory regulations (legal aspects) so that they have a juridical-normative and juridical-sociological nature. Legal regulations for regional financial management are carried out in accordance with the aim of establishing a legal regulation, namely: "to provide order." , stability, and justice. The existence of law is something that is very substantial theoretically and paradigmatically for the fabric of regional financial management in all segments of state government administration. In principle, it can be said that through legal instruments, regional financial management is expected to have and guarantee the establishment of a condition that contains content, certainty and justice.
Influence of good corporate governance and the sharia supervisory board on the financial performance of sharia banking in Indonesia Swadia Gandhi Mahardika; Akbar Lufi Zulfikar
Jurnal Mantik Vol. 7 No. 4 (2024): February: Manajemen, Teknologi Informatika dan Komunikasi (Mantik)
Publisher : Institute of Computer Science (IOCS)

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Abstract

This research aims to discuss and analyze the internal mechanisms of good corporate governance such as: the influence of the effectiveness of the audit committee on the performance of the Islamic banking system, the influence of the effectiveness of the risk supervision committee on the performance of the Islamic banking system, and the influence of remuneration and committee appointments on the performance of the Islamic banking system. sharia banking operations, as well as the effectiveness of the sharia supervisory board on the operations of the sharia banking system in Indonesia during the 2022 period. The data used in this research is secondary data obtained by measuring the number of meetings held for each variable. The method used to select samples was purposive sampling. The sample size in this study was six banks taken from annual reports, with a sample size of 30 people. The hypothesis test used in this research is the t-statistical test. The data analysis technique used in this research is multiple linear analysis using Statistical Products and Services Solutions (SPSS) version 26.0. The research results show that the effectiveness of the sharia supervisory board has a positive effect on sharia financial performance.
Sosialisasi Central Bank Digital Currency (CBDC) Dalam Perspektif Ekonomi Syariah Swadia Gandhi Mahardika; Akbar Lufi Zulfikar; Rinna Ramadhan Ain Fitriah; Nurfiza Widayati
AMMA : Jurnal Pengabdian Masyarakat Vol. 2 No. 12 : Januari (2024): AMMA : Jurnal Pengabdian Masyarakat
Publisher : CV. Multi Kreasi Media

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Abstract

From a Sharia Economic Perspective, Central Bank Digital Currency is a type of Fintech. The purpose of this socialization is to learn about it. The aim of this community is to study how Sharia places Central Bank Digital Currency as a currency or medium of exchange, and its influence. They will also see whether it is suitable to be used as a medium of exchange. Furthermore, the functions of money such as medium of exchange, standard of deferred payment, store of value, and unit account are adjusted to the value obtained from CBDC tracking and fiqh analysis. This study will investigate the concept of money and its components, as well as whether CBDCs are fair. Apart from that, this community will provide an explanation of Islamic views, especially Sharia views, regarding CBDC as a currency and medium of exchange.
IMPLEMENTASI MANAJEMEN RISIKO PADA PERBANKAN SYARIAH DI INDONESIA Swadia Gandhi Mahardika
JURNAL ILMIAH EDUNOMIKA Vol 8, No 3 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i3.15108

Abstract

Untuk menjamin stabilitas keuangan dan kepatuhan terhadap prinsip Syariah, perbankan syariah di Indonesia harus menerapkan manajemen risiko. Penelitian ini menyelidiki metode dan masalah manajemen risiko dalam konteks keuangan Islam. Studi ini melihat bagaimana metode manajemen risiko yang sesuai dengan Syariah dikombinasikan dengan metode manajemen risiko konvensional, dengan penekanan pada perubahan yang diperlukan untuk memenuhi persyaratan undang-undang dan sejalan dengan prinsip-prinsip etika Islam. Studi ini juga mengevaluasi seberapa efektif metode yang digunakan pada bank syariah di Indonesia untuk mengidentifikasi, menilai, dan mitigasi risiko, dengan menekankan betapa pentingnya transparansi dan tata kelola untuk mengurangi risiko keuangan. Penelitian ini juga membahas bagaimana badan pengawas berkontribusi pada pengembangan budaya manajemen risiko yang kuat di sektor perbankan syariah untuk meningkatkan ketahanan dan kepercayaan para pemangku kepentingan. Pada akhirnya, penelitian ini memberikan pemahaman yang lebih baik tentang bagaimana bank syariah di Indonesia menangani risiko sambil mempertahankan prinsip Syariah, dan menawarkan wawasan tentang metode manajemen risiko yang paling efektif dalam industri keuangan Islam di seluruh dunia. Kata Kunci: Bank Syariah, Manajemen Risiko, Prinsip Syariah
FACTORS INFLUENCING CUSTOMER SAVING BEHAVIOR AT BANKALTIMTARA SYARIAH SAMARINDA Mahardika, Swadia Gandhi; Zulfikar, Akbar Lufi; AF, Rinna Ramadhan
Jurnal Tabarru': Islamic Banking and Finance Vol. 6 No. 2 (2023): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2023.vol6(2).15164

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Penelitian ini bertujuan untuk menjelaskan pengaruh faktor budaya nasabah terhadap keputusan menabung di Bankaltimtara Syariah Samarinda, menjelaskan pengaruh faktor sosial nasabah terhadap keputusan menabung di Bankaltimtara Syariah Samarinda, menjelaskan pengaruh faktor pribadi nasabah terhadap keputusan menabung di Bankaltimtara Syariah Samarinda, untuk menjelaskan pengaruh faktor psikologis nasabah terhadap keputusan menabung di Bankaltimtara Syariah Samarinda dan untuk mengkaji kualitas layanan perbankan syariah dalam perspektif Islam.  Adapun yang menjadi problem dari penelitian ini yaitu kurangnya antusias masyarakat untuk menabung, padahal Bankaltimtara Syariah Samarinda memiliki kualitas pelayanan dan produk yang sangat bagus. Hasil penelitian menunjukkan uji ANOVA atau uji F menunjukkan F hitung lebih besar dari F tabel. Artinya secara simultan variabel Budaya (X1), Sosial (X2), Pribadi (X3), dan Psikologis (X4) berpengaruh terhadap Keputusan Menabung di Bankaltimtara Syariah Samarinda dan Budaya (X1), Sosial (X2), Pribadi (X3) dan Faktor Psikologis (X4) pada Bank Syariah dalam hal ini Bankaltimtara Syariah Samarinda adalah sesuai dengan syariah Islam, dan faktor yang paling dominan mempengaruhi keputusan menabung pada Bankaltimtaratara Syariah Samarinda adalah Faktor Budaya.
SISTEM PENJUALAN DENGAN PEMOTONGAN DI BAWAH HARGA PASAR MENURUT HUKUM ISLAM Saleh, Muhammad; Sani, Abdullah; Prasetiyorini, Pudhak; Wulandari, Bernadetta Tjandra; Mahardika, Swadia Gandhi
Jurnal Ilmiah Mahasiswa Raushan Fikr Vol 13 No 1 (2024): Jurnal Ilmiah Mahasiswa Raushan Fikr
Publisher : Lembaga Kajian dan Pemberdayaan Mahasiswa UIN Prof. KH. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/jimrf.v13i1.11420

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This study aims to investigate the perspective of Islamic law on the implementation of price reduction systems in the marketing of adult and children’s clothing, as well as men’s and women’s apparel. The research explores the conditions under which discounted goods are permissible according to Islamic principles. A qualitative method was employed, analyzing relevant Islamic legal texts and contemporary market practices. The findings indicate that Islamic law permits price reduction systems, provided they meet specific conditions. The seller may set a base price and offer discounts, which must be agreed upon by both parties involved in the transaction. The process must ensure mutual consent without coercion or fraud (gharar). The transaction proceeds with a sale and purchase contract if an agreement is reached. Otherwise, the transaction does not occur. This study contributes to understanding permissible marketing strategies within Islamic economics, highlighting the importance of fairness and mutual agreement in trade practices.
Analisis Penggunaan Tertinggi dan Terbaik pada Tanah Kosong di Pantai Manggar Segara Sari Kecamatan Balikpapan Timur Maulana, Indra; Zulfikar, Akbar Lufi; Mahardika, Swadia Gandhi
IJMA (Indonesian Journal of Management and Accounting) Vol 4, No 2 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21927/ijma.2023.4(2).115-121

Abstract

Analysis of the highest and best use to government-owned vacant land located in Manggar Segara Sari Beach, East Balikpapan, done by the analysis of productivity and the physical aspects of the property include the location as well as the legal and regulatory aspects in order to obtain alternative uses which allows. Next step is about market analysis which is analyze market demand and supply, also financial feasibility study for every alternative.In this study, the data were analyzed consist of primary data and secondary data. Primary data includes data revenues, rents and expenditure proposed as an alternative to the use, obtained by structured interview form, while the physical data which includes the size, shape of the tread, topography, utilities and others obtained through direct observation. Secondary data available at government office such as BPKAD (Badan Pengelolaan Keuangan dan Aset Daerah), Badan Pusat Statistik, and many others.Based on the results of the market analysis, the proposed use of the third consists of cottages, restaurants, and mixed use eligible to proceed to the stage of financial analysis. Based on the financial feasibility indicators Net Present Value (NPV), Internal Rate of Return (IRR), Payback Period (PP), Rate Return on Investment (ROI), dan Benefit Cost Ratio (BCR), Mixed use is better than cottage and restaurant that can be conclude mixed use is the highest and best use.
Pengaruh Pendapatan Perkapita Terhadap Jumlah Uang Beredar di Indonesia Widayati, Nurfiza; Zulfikar, Akbar Lufi; Mahardika, Swadia Gandhi
IJMA (Indonesian Journal of Management and Accounting) Vol 4, No 2 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21927/ijma.2023.4(2).116-129

Abstract

Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh dari Pendapatan perkapita terhadap Jumlah Uang Beredar di Indonesia. Teori yang digunakan yaitu dari Teori John Maynard Keynes dan teori Marshall. Penelitian ini dilakukan dengan menggunakan alat analisis Regresi Sederhana, pengujian hipotesis dengan menggunakan Uji t. pengujian hipotesis dengan uji t yaitu untuk melihat pengaruh variabel independen secara individual terhadap variabel dependen, pada variabel Pendapatan Perkapita (X) diperoleh hasil signifikan, Berarti hal ini menunjukan bahwa variabel Pendapatan Perkapita berpengaruh terhadap Jumlah Uang Beredar (Y)
Edukasi Mengenai Keaslian Uang Rupiah Di Kawasan Wisata Gunung Bromo Gandhi Mahardika, Swadia; Lufi Zulfikar, Akbar; Sugiarto; Bustami, Abiyajid
AMMA : Jurnal Pengabdian Masyarakat Vol. 3 No. 5 : Juni (2024): AMMA : Jurnal Pengabdian Masyarakat
Publisher : CV. Multi Kreasi Media

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Abstract

As a symbol of state sovereignty, the Indonesian people must respect and be proud of the rupiah as a legal means of payment. The aim of this outreach is to provide business actors in the Mount Bromo tourist area with in-depth knowledge and understanding of the true characteristics of rupiah currency. This activity was carried out in the Mount Bromo tourist area in East Java. Business actors responded positively to the socialization of the characteristics of real money and fake money. Business people's knowledge and awareness of how to distinguish real money from fake has increased as a result of the outreach campaign. It is hoped that this will help prevent the spread of counterfeit money in society, including in the Mount Bromo tourist area.
The Integration of Core Value “AKHLAK” into Business Strategy of Prophet Muhammad Muh Shadiqul Fajri AF; Swadia Gandhi Mahardika; Akbar Lufi Zulfikar; Abiyajid Bustami; Swadia Indra Maulana
LAA MAISYIR: Jurnal Ekonomi Islam The 2nd International Collaboration Conference on Islamic Economics (ICCEIS) 2024 “Global Innovati
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v1i1.52972

Abstract

Core Value is the soul of an organization or institution. The Ministry of State-Owned Enterprises has established AKHLAK as a core value in working well and correctly to build the nation. AKHLAK is an acronym for Amanah, Kompeten, Harmoni, Loyal, Adaptif, and Kolaboratif. The aim of this research is to determine the relationship between the core value of AKHLAK and the business strategy implemented by the Prophet Muhammad SAW. This type of research is descriptive qualitative using the library research method. The main data sources for this research were obtained from books and articles published in the last 10 (ten) years in journals that are accredited both nationally and internationally. The results of the research show that the core value of AKHLAK is related to the business strategy of the Prophet Muhammad SAW, keeping promises and telling the truth about the products (Amanah), learning to do business from the age of 12 (twelve) years (Kompeten), without badmouthing other people's businesses who are competitors and paying employee wages before the sweat dries (Harmoni), obeying the leadership's orders as long as they do not conflict with the Shari'a (Loyal), understanding market needs (Adaptif), building strong relationships with various tribes (Kolaboratif).
Co-Authors Abiyajid Bustami Achmad Fikri Ramadhan Adi Tri Pramono Adinda Putri Lestari Ady Maulana AF, Rinna Ramadhan Afifa Tanweer Akbar Lufi Zulfikar Aldora Fahira Chermanda Ana Sriekaningsih Andriyan Efhendi Putra Angel Angel, Priskila Anita Purnasari Badrus Syamsi Bernadetta Tjandra Wulandari, Bernadetta Tjandra Bonifasius Julio Haryanto Briliana, Vita Bustami, Abiyajid Edelwais Elsa Yolanda Sihotang Endang Dwi Sulistyowati Faris Dwi Andhika Hafitri Amelia Syam Hajrah Hanif Ilman Maulana Heni Pujiastuti Indra Maulana Indra Maulana, Indra Isna Yuningsih Isna Yuningsih Judijanto, Loso Juliana Lebang Maria Regina Sihombing Maulana, Indra Muh Shadiqul Fajri AF Muhamad Brefanzha Danielo Cahaya Yusup Muhammad Gunawan Yunus Muhammad Harits Zidni Khatib Ramadhani Muhammad Rafi Satria Dananjaya Muhammad Rizky Haryadi Muhammad Saleh Muhammad Siddik Mursyidah Nursitta Ilmina Nopendi, Us Us Surya Noval Riza Muzaki Novena Angelica Benisa Nur Annisaa Nur Aulia Rahmah Nur Salsabila Sadjiru Nuraeni Munayya Khofifah Nurfiza Widayati Nurfiza Widayati Nurhikmah Nurul Hidayah Noviana Pudhak Prasetiyorini Raditya Arya Kosasih Ragasukma Mahardika Rahma Tri Bungsu Anugrah Rahmah, Asmadhini Handayani Riel Martin Sirait Rinna Ramadhan Ain Fitria Rinna Ramadhan Ain Fitriah Rokhimah, Rokhimah Selly Swandari Siti Munauwaroh Siti Sadina Audisha Rizal Soleha Mutmainnah Sri Wahyuni Sugiarto Sugiarto Sugiarto Sugiarto Sukma Bima Fatri Swadia Indra Maulana Syakilla Hasta Oktaviani Tsaura An Nisa Salsabila Wahyuni, Sri Widayati, Nurfiza Widayati, Nurfiza Widya Ayu Andini Widyatmike Gede Mulawarman Yogiyana Sriwahyuningsih Yusuf Ibrahim, Yusniar