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All Journal Ahkam: Jurnal Ilmu Syariah ESENSI: JURNAL BISNIS DAN MANAJEMEN LEGITIMASI: Jurnal Hukum Pidana dan Politik Hukum Dusturiah : Jurnal Hukum Islam, Perundang-undangan dan Pranata Sosial Studia Economica: Jurnal Ekonomi Islam Jurnal EMT KITA SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Jurnal Samudra Ekonomi dan Bisnis JABI (Jurnal Akuntansi Berkelanjutan Indonesia) Takammul : Jurnal Studi Gender dan Islam Serta Perlindungan Anak J-ISCAN : Journal of Islamic Accounting Research Journal of Sharia Economics JIHBIZ :Global Journal of Islamic Banking and Finance. JIMEBIS SI-MEN (AKUNTANSI & MANAJEMEN) STIES Jurnal Perbankan Syariah Darussalam (JPSDa) EKOBIS SYARIAH
Ayumiati, Ayumiati
Universitas Islam Negeri Ar-Raniry Banda Aceh
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Transparansi Pengelolaan Dana Desa di Kabupaten Bireun Ayumiati, Ayumiati; Isnaliana, Isnaliana; Jalilah, Jalilah
Jurnal EMT KITA Vol 3, No 2 (2019): Journal EMT KITA
Publisher : Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (179.633 KB) | DOI: 10.35870/emt.v3i2.99

Abstract

Village funds represent funds sourced from the State Revenue and Expenditure Budget which is intended for villages that are transferred through the Regency / City Regional Revenue and Expenditure Budget and are used to fund governance, development implementation, community development, and community empowerment, and transparency. The purpose of this study is to find out the transparency of village fund management in Bireun District. This type of research is descriptive analysis with a qualitative approach. The results showed that the management of village funds in Bireun district was transparent as evidenced by the openness in the process of planning, drafting and implementing the Village Fund Budget.Keywords: Budget, Village Funds, Transparency
ANALISIS PROSEDUR PEMBIAYAAN DAN MANAJEMEN RISIKO PADA PERUSAHAAN PEER TO PEER (P2P) LENDING SYARIAH DI INDONESIA Iskandar, Evy; Ayumiati, Ayumiati; Katrin, Novita
J-ISCAN: Journal of Islamic Accounting Research. Vol 1 No 2 (2019): ISCAN Vol. 1 No. 2 July-December 2019
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/j-iscan.v1i2.698

Abstract

This study to examines the procedures for financing and risk management in Peer to Peer (P2P) lending company in Indonesia with a case study at PT. Ammana Fintek Syariah as a Sharia P2P lending company that was the first registered in Financial Services Authorization (OJK), which was established to free access to Micro, Small and Medium Enterprises (MSMEs) finance from loan sharks and usury interest. This study uses qualitative methods, primary data in research is based the direct information from company management as a stake holder. The results of this study indicate that the application of company financing procedures is carried out with two patterns, in the direct pattern that involving partners (BMT) and in the non-direct pattern carried out directly by the team of PT. AFS. While the application of risk management is mitigation by partners and internal management of PT.AFS to conduct early prevention of the risks to be faced, and in handling the problem of financing jams, the company opens a deliberation room for consensus on the actions of the settlement of both parties. Keywords: Financing Procedure, Risk Management, peer to peer Abstrak Penelitian ini mengkaji tentang prosedur pembiayaan dan manajemen risiko pada perusahaan Peer to Peer (P2P) lending di Indonesia dengan studi kasus pada PT.Ammana Fintek Syariahsebagai perusahaan P2P lending syariah pertama kali terdaftar di Otorisasi Jasa Keuanga (OJK), yang didirikan untuk membebaskan akses untuk keuangan UMKM dari pola rentenir dan bunga riba. Penelitian ini menggunakan metode kualitatif, data primer dalam penelitian adalah informasi langsung dari manajemen perusahaan sebagai stake holder. Hasil penelitian ini menunjukkan bahwa penerapan prosedur pembiayan perusahaan dilakukan dengan dua bentuk yaitu pola directyang melibatkan mitra (BMT) dan non direct dilakukan langsung oleh tim PT. AFS. Sedangkan penerapan manajemen risikonya adalah dengan model mitigasi oleh mitra dan pengelolaan internal PT.AFS untuk melakukan pencegahan awal terhadap risiko yang akan dihadapi, dan penanganan masalah pembiayaan yang macet perusahaan membuka ruang musyawarah untuk mufakat terhadap tindakan penyelesaian kedua belah pihak. Kata Kunci:Prosedur Pembiayan, Manajemen Risiko, Peer To Peer.
Determinan Market Share Perbankan Syariah di Indonesia Eliana, Eliana; Zarman, Nazri; Ismuadi, Ismuadi; Astuti, Intan Novia; Ayumiati, Ayumiati
Esensi: Jurnal Bisnis dan Manajemen Vol 10, No 2 (2020)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/ess.v10i2.18601

Abstract

Sharia banking is currently very popular with the Indonesian people, so to prepare for this increasingly selective business competition, Islamic Commercial Banks are required to improve their company performance so that investors are attracted to invest. This study aims to determine the effect of BOPO, ROA, NPF, and DPK on the market share of Islamic banking in Indonesia. The samples used were BUS and UUS with 52 data. Multiple linear regression is used as an analysis technique to produce a detailed description of the relationship of each variable used. The regression results tell that BOPO and DPK have no significant effect on market share, while ROA and NPF have a positive and significant effect on market share in Islamic banking in Indonesia.
Transparansi Pengelolaan Dana Desa di Kabupaten Bireun Ayumiati Ayumiati; Isnaliana Isnaliana; Jalilah Jalilah
Jurnal EMT KITA Vol 3 No 2 (2019): Jurnal EMT KITA
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v3i2.99

Abstract

Village funds represent funds sourced from the State Revenue and Expenditure Budget which is intended for villages that are transferred through the Regency / City Regional Revenue and Expenditure Budget and are used to fund governance, development implementation, community development, and community empowerment, and transparency. The purpose of this study is to find out the transparency of village fund management in Bireun District. This type of research is descriptive analysis with a qualitative approach. The results showed that the management of village funds in Bireun district was transparent as evidenced by the openness in the process of planning, drafting and implementing the Village Fund Budget.
PENGARUH UKURAN PERUSAHAAN, LEVERAGE DAN PROFITABILITAS TERHADAP PENERAPAN GOOD CORPORATE GOVERNANCE BISNIS SYARIAH BUS DI INDONESIA Eliana Eliana; Nurhayati Nurhayati; Ayumiati Ayumiati
JABI (Jurnal Akuntansi Berkelanjutan Indonesia) Vol 3, No 2 (2020): JABI (Jurnal Akuntansi Berkelanjutan Indonesia)
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/JABI.v3i2.y2020.p182-192

Abstract

The implementation of bad corporate governance does not only occur in the world's leading companies but in Indonesia also found several similar cases that befell several banks, namely Citibank and Bank Mega, both of these banks are known to violate the implementation of Good Corporate Governance which results in large losses and of course an impact on economic development. This study aims to determine the effect of company size, leverage, and profitability on the implementation of GCGBS in Islamic commercial banks in Indonesia. The sample used was 11 Islamic commercial banks.Regression test results explain that company size and leverage have no significant effect on the implementation of GCGBS in Islamic commercial banks, profitability has a positive and significant effect on the implementation of good corporate governance in Islamic business in Islamic commercial banks in Indonesia.
Tindak Pidana Pencucian Uang (Money Laundering) dan Strategi Pemberantasan Ayumiati Ayumiati
Legitimasi: Jurnal Hukum Pidana dan Politik Hukum Vol 1, No 2 (2012)
Publisher : Islamic Criminal Law Department, Faculty of Sharia and Law, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/legitimasi.v1i2.1428

Abstract

Money laundering is a criminal offense had been committed in order to disguise the origin of the wealth that was haram to be halal. Thus the launderer can develop, especially the illegal business of narcotics crimes. Crimes related to narcotics money laundering because of drug crimes are crimes of origin (predicate crime), and advanced money laundering is a crime (crime derivative). The birth of anti-money laundering regime is internationally starts with the issuance United Nations Conventions Against Illicit Traffic in Narcotic Drugs and Psychotropic Substances in 1988 which is the culmination of the crime of money laundering combating illicit narcotics and psychotropic substances. In 2002 and 2003 the government of Indonesia passed legislation that is anti-money laundering Law No. 15 Year 2002 jo. Act No. 23 of 2003 in which a drug crime as evil places of origin of money laundering.
PERAN DEWAN PERWAKILAN RAKYAT DAERAH (DPRD) DALAM PENGAWASAN KEUANGAN DAERAH Ayumiati Ayumiati
Dusturiyah: Jurnal Hukum Islam, Perundang-undangan dan Pranata Sosial Vol 7, No 2 (2017)
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/dusturiyah.v7i2.3257

Abstract

Budgeting is planning arranged systematically in form of numeral and stated in unit of monetary which covering entire company activities for particular period in the future. In arrangement of budget for public sector should be determined the allocation of amount of fund in each program and government activity in monetary unit. In this case, role of DPRD to monitor local finance is very needed, so that the program which has arranged can run effectively, efficient and economical. In addition, monitoring conducted by DPRD should be direct and indirectly. As for the direct monitoring was observing, investigating, and inspection, while the indirect monitoring was to learn the report accepted from implementation. Be sides, in implementation of monitoring the DPRD has special committee referred to Budgeting Committee.
PENGUATAN EKONOMI KELUARGA Ayumiati Ayumiati
Takammul : Jurnal Studi Gender dan Islam Serta Perlindungan Anak Vol 10, No 1 (2021): TAKAMMUL
Publisher : Pusat Studi Wanita UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/takamul.v10i1.12597

Abstract

Financial management is something that is very important and should always be performed by any individual or family. Good financial management can make into a prosperous family and will never be afraid of facing economic problems. It can also minimize the risk that will happen. Wife’s role in managing the family finances is very important, because managing the family fi-nances is the privilage of women. With the rigol and compassion attitude possessed, women are expected to provide peace and comfort for the family, especially in terms of economy
PEMBAYARAN ZAKAT DI PERBANKAN SYARIAH: DITINJAU MENURUT PANDANGAN MAJELIS PERMUSYAWARATAN ULAMA ACEH Syarifah Raudhah; Ayumiati Ayumiati; Isnaliana Isnaliana
Jihbiz: Global Journal of Islamic Banking and Finance. Vol 2, No 1 (2020)
Publisher : Prodi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v2i1.8577

Abstract

Penelitian ini bertujuan untuk mengetahui sistem pembayaran zakat di perbankan syariah dan bagaimana pandangan MPU Aceh mengenai hal tersebut. Penelitian ini menggunakan metode kualitatif, yang bertujuan untuk menjelaskan suatu peristiswa secara deskriptif dan terperinci. Hasil penelitian menunjukkan bahwasanya ada beberapa sistem pembayaran zakat di perbankan syariah, diantaranya, mobile banking, kartu NPWZ, iCard Hasanah dan sebagainya. Selanjutnya MPU Aceh menyatakan bahwa membayar zakat melalui perbankan syariah dibolehkan, namun ada ketentuan-ketentuan yang harus di perhatikan nasabah sebelum membayar zakat melalui perbakan syariah, seperti niat dan jenis-jenis zakat yang dapat dibayarkan melalui bank syariah. Oleh karena itu, disarankan agar semua pihak baik nasabah maupun bank syariah agar memperhatiakan kembali ketentuan-ketentuan dalam pembayaran zakat.
ANALISIS KOMPETENSI KURIKULUM PRODI PERBANKAN SYARIAH UIN AR-RANIRY BANDA ACEH DAN KESESUAIANNYA DENGAN KEBUTUHAN BANK SYARIAH Suryanti Suryanti; Azharsyah Ibrahim; Ayumiati Ayumiati
Jihbiz: Global Journal of Islamic Banking and Finance. Vol 1, No 1 (2019)
Publisher : Prodi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v1i1.4609

Abstract

Permasalahan yang sering muncul dalam perkembangan bank syariah salah satu karena aspek SDM, lemahnya pemahaman praktisi bank syariah. Penelitian ini bertujuan untuk menganalisis kesesuaian kompetensi kurikulum Prodi Perbankan Syariah FEBI UIN Ar-Raniry Banda Aceh dengan kebutuhan bank syariah melalui kompetensi kurikulum prodi perbankan syariah yang akan menghasilkan para lulusan yang mempunyai kompetensi. Penelitian ini menggunakan pendekatan kualitatif yang bersifat deskriptif. Penentuan objek penelitian diambil secara purposive sampling. Proses pengumpulan data dilakukan dengan cara observasi, wawancara dan dokumentasi. Analisis data menggunakan metode reduksi data, penyajian data dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa kompetensi kurikulum prodi perbankan syariah FEBI UIN Ar-Raniry secara umum sudah memenuhi kebutuhan-kebutuhan Bank Syariah walaupun masih ada beberapa kurikulum yang perlu ditingkatkan atau ditambah sistem kredit semester (SKS).Kata Kunci : Kompetensi Kurikulum Prodi Perbankan Syariah FEBI UIN Ar-Raniry Kesesuaian SDM, Bank Syariah.
Co-Authors Aini, Intan Qurratul Akmal Riza Al Hajj, Muhammad Baihaqi Amanatillah, Dara Aprilla Cahyani Astuti, Intan Novia Azharsyah Ibrahim Eliana Eliana Eliana Eliana Eliana Eliana Eliana Kedua Evy Iskandar faris aulia Fariza, Cut Hasnita, Nevi Heru Fahlevi, Heru Humaira, Annisa Ismail Rasyid Ridla Tarigan Ismuadi Ismuadi Isnaliana Isnaliana Jalilah , Jalilah Jalilah Jalilah Katrin, Novita Maisyura, Annisva Mauriska Amalia Muhammad Arifin Muhammad Yasir Yusuf Muksal Muksal Mursalmina Mursalmina Nanda, Teuku Syifa Fadrizha Nurhayati Nurhayati Nurhayati Nurhayati Rahmatika, Ulia Rahmatillah, Siti Kartika Rahmaton Wahyu Suryanti Suryanti Syarifah Raudhah Syukriy Abdullah Teuku Syifa Fadrizha Nanda Yuliadra, Teuku Fariz Yunda Zakia Zaida Rizqi Zainul, Zaida Rizqi Zainuddin . Zakia, Yunda Zarman, Nasri Zarman, Nazri