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All Journal INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Indonesian Journal of Business Analytics (IJBA) Istithmar: Jurnal Studi Ekonomi Syariah Al-Intaj: Jurnal Ekonomi dan Perbankan Syariah Welfare: Jurnal Pengabdian Masyarakat Wadiah: Jurnal Perbankan Syariah Al-Muhasib: Journal of Islamic Accounting and Finance
Rofik Efendi
Institut Agama Islam Negeri Kediri
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Library & Information Science Social Sciences

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Analisis Manajemen Pembiayaan Murobahah BMT Ryski Pebriana; Rofik Efendi
WADIAH Vol. 3 No. 1 (2019): Wadiah : Jurnal Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Syekh Wasil Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v3i1.3004

Abstract

The development of Islamic banking and Islamic financial institutions in Indonesia lately increasing. One reason is the strong belief in the Muslim community that banking and conventional financial institutions contain usury which is prohibited by Islam. The presence of Agritama Srengat Blitar BMT as Syari'ah savings and loans is intended to be a more innovative alternative in financial services, the financing process is also not complicated. The absence of an element of usury to Murabahah financing, and the ease of the process and conditions for financing, does not make more and more bad loans. The approach used in this research is a qualitative descriptive approach, while the type of research is field research, and the method of collecting data is observation, interview and documentation, which is using three steps, data reduction, file presentation and drawing conclusions.The results of this study indicate that: 1). Financing procedures at BMT Agritama Srengat Blitar use 5C analysis (character, capacity, capital, collateral, condition) and take into account a maximum radius of 10 km, but this does not apply to existing customers and customers who get recommendations from partners. 2). The implementation of Murabahah financing management has not been in accordance with the murabaha management function which includes planning, organizing, implementing, and controlling. Where the planning of murabahah financing is devoted to agriculture and animal husbandry, but in practice it is not appropriate, then in the implementation of murabahah financing using a wakalah contract it is signed together with murabahah. And the supervision conducted by BMT Agritama is not routinely visited to the place of business.
The Impact of The 2020 Health Crisis on Exchange Rates and Stock Prices in Indonesia : (Study on PT. Jasa Marga (Persero) Tbk.) Rofik Efendi; Yuliani; Sri Anugrah Natalina
Al-Muhasib: Journal of Islamic Accounting and Finance Vol. 3 No. 2 (2023)
Publisher : Department of Islamic Accounting, The Faculty of Islamic Economics and Business, State Islamic University Syekh Wasil of Kediri [UIN Syekh Wasil Kediri]

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/almuhasib.v3i2.734

Abstract

The infrastructure sector during the health crisis had an impact by declining by around 12% until the end of 2020. One that can cause a decrease in stock prices is the exchange rate. PT Jasa Marga (Persero) Tbk. is one of the companies that showed active stock price activity during the health crisis period. The data sample of this study is to take daily data from exchange rates and stock prices during 2020 with a sample number of 242. Empirical results show that the correlation coefficient is -0.89, hence the relationship between the exchange rate and stock price is very strong and contradictory. Ha's partial test results were accepted and Ho was rejected, i.e. the exchange rate was partially significant and affected the stock price. The R square results of 79.8 percent that the exchange rate .
Co-Authors Abdulghani, Naser Ali Ahmad Saiful Anwar Akbar, Ahmad Riszki Al-Akhsan, Ahmad Ghaffar Amir Maliki Abitolkha Caspirosi, Loris Caspirosi Dijan Novia Saka Fani Ma’sumatul Maghfiroh Fikriyah, Ashfa Grahita Chandrarin Ilham Haq, Muhammad Alfasa Iskandar Tsani, Iskandar Ladia Ayu Sekar Sari Mada, Qonita Al Mahfudhotin, Mahfudhotin Maxion Sumtaxy Natalina, Sri Anugrah Natalina Nur Khasan Rahmawati, Afifah Suci Ryski Pebriana Saka, Dijan Novia Sari, Widya Ratna Shella Dwiyanti SRI ANUGRAH NATALINA Sri Anugrah Natalina Sri Anugrah Natalina Sri Anugrah Natalina, Sri Anugrah Subandono, Agus Sufirmansyah Sufirmansyah Wiwik Kusumaning Asmoro Wulandari, Afrilia YULIANI Yuliani Yuliani Yuliani Yuliani Yusnita Agustin Zahro’, Afi Faridatas