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Penilaian Peforma keuangan Bank Syariah dengan Dupont Method (Studi BSM 2016-2020) Ghoni, Muhammad Abdul
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v6i2.4729

In this article the method used to determine the financial performance of PT. Bank Syariah Mandiri is the Du Pont Method. Wich uses three ratios, namely Total Assets Turnover (TATO), Net Profit Margin (NPM), and Return On Investment (ROI). This study focuses on analyzing the financial performance of Bank Syariah Mandiri for the 2016-2020 period and looking at the comparison of financial performance of Bank Syariah Mandiri in the last 5 years. This study uses a quantitative descriptive approach, which describes the numerical data analysis results using quantitative analysis techniques. The following conclusions can be drawn: The highest Return On Investment occurred in 2019 at 1.140% and the lowest occurred in 2016 at 0.413%. In 2019 Return On Investment was above average, this shows that the company's performance in generating profits in that year was very good. The calculation of Return On Investment (ROI) from 2016 - 2020 shows that ROI is still fluctuating and less stable. This illustrates that the BSM merger decision in 2021 is the right decision when viewed from the financial performance.

Neuromanagement Under the Light of Maqasid Sharia Yosita Nur Wirdayanti; Muhammad Abdul Ghoni
Al Tijarah Vol 5, No 2 (2019): Desember 2019
Publisher : Universitas Darussalam Gontor

Technology advancement and Industrial revolution 4.0 engagement are increasingly seen as powerful tool for making innovation, managerial efficiency of the company. New brain imaging technologies have motivated neuromanagement studies of the internal order of the mind and its links with the spectrum of human decisions from harmful and injustice decision. The main achievement of this study is to explain how neuromanagement works under light of Maqasid al Shariah. As spirit of Shariah is based on wisdom and achieving people’s welfare in this life and the afterlife. Shariah is all about justice, wisdom, and good. This paper contributes to the literature by explaining neuromanagement and Maqasid al Shariah. In fact, that there is a lack of literature related to neuromanagement and Maqasid al Shariah. This research will, therefore, provide to the neuromanagement decision making in accordance with the Maqasid al Shariah.

Geneology of Astronomy Science In Java Muammar Muammar; Muslich Shabir; Muhammad Falih Abdul Ghoni
Jurnal Hikmatuna Vol 6 No 2 (2020): HIKMATUNA: Journal for Integrative Islamic Studies, December 2020
Publisher : Postgraduate Program, Universitas Islam Negeri (UIN) K. H. Abdurrahman Wahid Pekalongan, Indonesia

This research will trace the process of transmission of falak science in Java from its inception to its current development: the geneology and the process of transmitting astronomy and developed pattern in Java. This research is a qualitative descriptive study with a historical approach. The steps taken are collecting data from the object under study (heuristic), verifying or criticizing the source, and making conclusions and interpreting existing authentic data. The analytical method used is descriptive analysis. The results showed that at the beginning of its development, the science of astronomy was studied and developed by Syekh Abdurrahman bin Ahmad al-Mishri al-Batawi who was then taught to Habib Usman al-Batawi, Sheikh Abdul Hamid al-Dumairi al-Batawi, and KH. Ahmad Dahlan as-Samarani. From here the science of astronomy developed and gave birth to a number of works including Tadzkirah al-Ikhwan, and Bulugh al-Wathar. The development of astronomy is then carried out through educational institutions both formal and informal. For formal education through tertiary institutions and informal through Islamic boarding schools.

The Application of Islamic Legal Maxim of Blocking Evils is Precedenced than Taking Benefits in Cryptocurrency Market: Evidence from Treynor and Jensen Method Muhammad Abdul Ghoni; Ade Wirman Syafei; Kemal Ariza
Al-Tasyree: Jurnal Bisnis, Keuangan dan Ekonomi Syariah Vol. 14 No. 01 (2022): Al-Tasyree: Jurnal Bisnis, Keuangan dan Ekonomi Syariah
Publisher : Prodi Ekonomi Syariah, Fakultas Syariah, Institut PTIQ Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59833/altasyree.v14i01.715

This practical analysis and investigated research of the performing cryptocurrency investment during the January 2019-September 2021 period. This study is evaluating five cryptocurrencies within global Cryptocurencies market. Treynor and Jensen Index are utilized to measure each cryptocurrencies operation in the crypto currencies market. Moreover, the analysis of Islamic Legal maxim of blocking evils is precedenced than taking benefits in Cryptocurrency Market is applied. The Treynor and Jensen Index analysis approach is used to evaluate performance among the five cryptocurrencies, namely; Bitcoin (BTC), Ethereum (ETH), Binance Coin (BNB), Tether (USDT) and Cardano (ADA . The results of Treynor index indicate cryptocurrencies, namely; Tether (USDT), Ethereum (ETH), Cardano (ADA) assets carried the has a positive value means the performance of cryptocurrency is good as compare other Cryptocurrencies. However, the results of Jensen index show the four crypto assets, namely; Bitcoin (BTC), Ethereum (ETH), Tether (USDT), Cardano (ADA) have a negative Jensen value, these indicates the cryptocurrencies have low returns. The finding of the result from the analysis of the of Islamic Legal maxim of preventing evils is better than attracting benefits suggest to avoid cryptocurrency investment is priority rather than taking benefit from cryptocurrency investment

The role of financial performance on the profitability of Indonesian Islamic banks Lidia Sjarief; Muhammad Abdul Ghoni; Muchammad Taufiq Affandi
Jurnal Ekonomi & Keuangan Islam Volume 9 No. 2, July 2023
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol9.iss2.art9

Purpose – This study aims to analyse the effect of non performing financing (NPF), capital adequacy ratio (CAR), financing to deposit ratio (FDR), and Bank Indonesia shariah promissory notes (SBIS) on Islamic banks’ profitability (ROA) in Indonesia.Methodology – The data set consists of 10 Islamic banks operating in Indonesia between 2017—2021. The secondary data was collected from the Financial Services Authority (Otoritas Jasa Keuangan, OJK). A method of panel data is used for this study by using Stata 17 to process the data.Findings – The estimation results showed that NPF partially has a significant negative relationship on ROA, both CAR and SBIS have a significant effect on ROA, while FDR does not affect ROA. Simultaneously, NPF, CAR, and FDR do not affect ROA. But NPF, CAR, FDR, and SBIS simultaneously have a positive and significant effect on the Islamic Bank's profitability (ROA) by the year 2017 – 2021.Implications – Islamic banks need to be more selective in providing financing to customers so that financing risks can be minimized. In addition, CAR and SBIS need to be increased or maintained so that the profitability level of Islamic banks can be maximized.Originality – This research tries to re-examine the effect of financial performance on the profitability of Islamic banks in 2017-2021.

Neuromanagement Under the Light of Maqasid Sharia Yosita Nur Wirdayanti; Muhammad Abdul Ghoni
Al Tijarah Vol. 5 No. 2 (2019): Al Tijarah | December
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tijarah.v5i2.3452

Technology advancement and Industrial revolution 4.0 engagement are increasingly seen as powerful tool for making innovation, managerial efficiency of the company. New brain imaging technologies have motivated neuromanagement studies of the internal order of the mind and its links with the spectrum of human decisions from harmful and injustice decision. The main achievement of this study is to explain how neuromanagement works under light of Maqasid al Shariah. As spirit of Shariah is based on wisdom and achieving people’s welfare in this life and the afterlife. Shariah is all about justice, wisdom, and good. This paper contributes to the literature by explaining neuromanagement and Maqasid al Shariah. In fact, that there is a lack of literature related to neuromanagement and Maqasid al Shariah. This research will, therefore, provide to the neuromanagement decision making in accordance with the Maqasid al Shariah.

Understanding muzaki adoption of digital zakat payments in Indonesia Emiroh Arsyina Ahimsa; Heri Sudarsono; Muhammad Abdul Ghoni; Muchammad Taufiq Affandi
Review of Islamic Social Finance and Entrepreneurship Volume 2 Issue 2, 2023
Publisher : Center for Islamic Economics and Development Studies [P3EI]

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/RISFE.vol2.iss2.art7

Purpose – This study aims to analyze the influence of performance expectancy, effort expectancy, social influence, zakat literacy, and facility conditions on the intention of muzaki to pay zakat using a digital platform.Methodology – Primary data was collected through an online survey involving 144 Jawa. Muzaki has used various online channels to pay zakat and analyzed it using structural equation modeling as the empirical approach. This study used the extended unified theory of acceptance and use of technology (UTAUT) as the theoretical framework. The data analysis technique used in this study is partial least square (PLS) analysis.Findings – The findings indicate that performance expectancy, effort expectancy, social influence, and zakat literacy have a positive influence on the intention of Muslims to pay zakat through online platforms. Meanwhile, the intention to pay zakat and facility conditions have a positive influence on the use of online platforms to pay zakat.Implications – Zakat institutions need to improve digital facilities to make it easier for muzaki to pay zakatOriginality – The object of this research focuses on Muslim communities on the island of Java who have fulfilled the requirements as muzaki.

The Role of Islamic Banking Financing for Afforadable Housing in Realizing Sustainable Development: An Analytic Network Process (ANP) Method Ghoni, Muhammad Abdul; Maksum, Asep
Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2024): Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam (IAI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v12i1.520

The government of the Republic of Indonesia is to provide appropriate affordable housing programs for low middle incomes. Based on the physical attributes and traditional social aspects of the low-middle income household, and social environment in the residential area, as well as their contribution to economic growth. This paper evaluates the level of prioritization of Islamic Banking Financing for affordable housing program of low-middle income families in Realizing Sustainable Development. Simultaneously, the research offers access to sustainability measurement of Islamic banking to finance affordable housing on both the social and environmental dimensions. This research utilizes An Analytic Network Process (ANP) Method to evaluate and select Sustainable Development Goal Ranking The results of this study are found that Sustainable Development Goal 8: Promote inclusive and sustainable economic growth, employment and decent work for all, is most important for Islamic banking financing for affordable housing program in Realizing sustainable Development comparing to the Sustainable Development Goals (SDGs) of goas number 9: Build resilient infrastructure, promote inclusive and sustainable industrialization and foster innovation, and Goal 11: Make cities and human settlements inclusive, safe, resilient and sustainable. Furthermore, according to the experts of Islamic Housing financing, the objective of Islamic banking financing for Affordable Housing In Realizing Sustainable Development are; to protect low-income people and people in vulnerable situations and reduce the risk for slum dwellers.

Geneology of Astronomy Science In Java Muammar; Shabir, Muslich; Ghoni, Muhammad Falih Abdul
Hikmatuna : Journal for Integrative Islamic Studies Vol 6 No 2 (2020): Hikmatuna: Journal for Integrative Islamic Studies, December 2020
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/hikmatuna.v6i2.8765

This research will trace the process of transmission of falak science in Java from its inception to its current development: the geneology and the process of transmitting astronomy and developed pattern in Java. This research is a qualitative descriptive study with a historical approach. The steps taken are collecting data from the object under study (heuristic), verifying or criticizing the source, and making conclusions and interpreting existing authentic data. The analytical method used is descriptive analysis. The results showed that at the beginning of its development, the science of astronomy was studied and developed by Syekh Abdurrahman bin Ahmad al-Mishri al-Batawi who was then taught to Habib Usman al-Batawi, Sheikh Abdul Hamid al-Dumairi al-Batawi, and KH. Ahmad Dahlan as-Samarani. From here the science of astronomy developed and gave birth to a number of works including Tadzkirah al-Ikhwan, and Bulugh al-Wathar. The development of astronomy is then carried out through educational institutions both formal and informal. For formal education through tertiary institutions and informal through Islamic boarding schools.

The Sharia Business Model of The Housing Provident Fund (HPF) of Republic Of Indonesia Ghoni, Muhammad Abdul; Amelia, Shinta Kintarani; Beyti, Nurul
EKOBIS SYARIAH Vol 8, No 2 (2024)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v8i2.26201

This study introduces a sharia model of the HPF of republic of Indonesia. since, the Housing Provision Fund promotes housing investment and enables early house purchase for individuals with low income. The aim of this paper is presently sharia business model of provident fund and its implementing strategies to reduce the population of those needing adequate housing of Indonesian. This paper operates an extensive literature review explains the existing of housing provident fund model based on the sharia principle. The Sharia-compliant business model of the provident fund in the Republic of Indonesia is a relatively new mechanism that operates based on the principles of Shariah. It is designed to be fair and strives to achieve the ultimate goals of Sharia by establishing the Housing Provident Fund (HPF). The implementation of the Sharia business model in the housing provident fund of the Indonesian government can be replicated in other Muslim countries. As far as we know, this research is the first in the literature to present a conceptual idea and model for the sharia business model of housing provident fund that complies with Sharia principles.

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