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All Journal Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Jurnal Ekonomi & Studi Pembangunan Falah : Jurnal Ekonomi Syariah Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal SOLMA Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Ihtifaz: Journal of Islamic Economics, Finance, and Banking Jurnal Tabarru': Islamic Banking and Finance Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Iqtishoduna: Jurnal Ekonomi Islam Amwaluna Jurnal Ekonomi dan Keuangan Syariah Budimas : Jurnal Pengabdian Masyarakat Ihtiyath : Jurnal Manajemen Keuangan Syariah JES (Jurnal Ekonomi Syariah Jurnal Pengabdian kepada Masyarakat Nusantara Journal of Economics Research and Social Sciences Forum Bisnis dan Kewirausahaan Entrepreneur : Jurnal Bisnis Manajemen dan Kewirausahaan Jurnal Abdimas Indonesia : Jurnal Abdimas Indonesia Jurnal Ar-Ribh Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Prosiding Seminar Nasional Program Pengabdian Masyarakat Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Proceeding ISETH (International Summit on Science, Technology, and Humanity) Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Prosiding Seminar Nasional Hasil-hasil Penelitian dan Pengabdian Pada Masyarakat Al-Khidmah : Jurnal Pengabdian Kepada Masyarakat Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah IECON: International Economics and Business Conference MAYARA: Jurnal Pengabdian Masyarakat BAABU AL-ILMI: Ekonomi dan Perbankan Syariah

Fathurrahman, Ayif

Universitas Muhammadiyah Yogyakrta

Author-ID : 6942345

Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Public Health Social Sciences Other

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DETERMINANTS OF MUDHARABAH FINANCING IN INDONESIA (PARTIAL ADJUSMENT MODEL APPROACH) Ayif fathurrahman; Anggun Dwi Cahyani; Edi Supiyono
Jurnal Tabarru': Islamic Banking and Finance Vol. 4 No. 2 (2021): 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.2021.vol4(2).7769

Penelitian ini dilakukan untuk mengetahui pengaruh Capital Adequacy Ratio (CAR), Return On Asset (ROA), tingkat bagi hasil, tingkat inflasi, dan nilai tukar terhadap pembiayaan mudharabah pada Bank Umum Syariah di Indonesia baik secara parsial ataupun simultan. Jenis data yang digunakan adalah data time series dimana periode waktunya dari tahun Januari 2017 sampai Oktober 2019. Metode analisis data yang digunakan untuk melihat pengaruh variabel independen terhadap variabel dependen yaitu metode Partial Adjustment Model (PAM) dengan menggunakan Eviews 7 serta melakukan uji asumsi klasik. Secara simultan hasil penelitian ini menunjukkan bahwa variabel Capital Adequacy Ratio (CAR), Return On Asset (ROA), tingkat bagi hasil, tingkat inflasi, dan nilai tukar berpengaruh terhadap pembiayaan mudharabah Bank Umum Syariah di Indonesia. Selanjutnya secara parsial dalam jangka panjang dan jangka pendek didapatkan hasil bahwa variabel Capital Adequacy Ratio (CAR) berpengaruh negatif signifikan terhadap pembiayaan mudharabah Bank Umum Syariah di Indonesia, variabel Return On Asset (ROA), tingkat bagi hasil, dan nilai tukar berpengaruh positif dan signifikan terhadap pembiayaan mudharabah Bank Umum Syariah di Indonesia, sedangkan variabel tingkat inflasi berpengaruh tidak signifikan terhadap pembiayaan mudharabah Bank Umum Syariah di Indonesia.

Faktor-Faktor yang Mempengaruhi Minat Petani dalam Menggunakan Pembiayaan As-Salam Pada Perbankan Syariah Rista Suryadi; Ayif Fathurrahman
Journal of Economics Research and Social Sciences Vol 3, No 1: February 2019
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jerss.030103

Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi minat petani dalam menggunakan pembiayaan as-salam pada perbankan syariah. Penelitian ini merupakan penelitian deskriptif kualitatif dan kuantitatif. Jenis data yang digunakan adalah data primer yang berupa kuesioner dan wawancara kepada para petani di Desa Bangunjiwo, Kasihan, Bantul serta data sekunder berupa hasil kuesioner yang digunakan untuk menguji hipotesis. Variabel yang digunakan dalam penelitian ini adalah variabel pengetahuan, promosi, lokasi dan minat. Sampel yang digunakan dalam penelitian ini berjumlah 92 responden. Berdasarkan hasil penelitian, diperoleh hasil bahwa variabel pengetahuan, promosi dan lokasi berpengaruh positif dan signifikan terhadap minat petani dalam menggunakan pembiayaan as-salam pada perbankan syariah. Hal ini dikarenakan petani di Desa Bangunjiwo, Kasihan, Bantul tidak memiliki pengetahuan mengenai perbankan syariah dan pembiayaan as-salam, para petani tidak pernah mendapatkan sosialisasi maupun promosi dari perbankan syariah mengenai pembiayaan as-salam, serta jarak rumah tinggal dengan kantor perbankan syariah yang sangat jauh dan sulit untuk dijangkau.

Analisis Faktor Internal dan Eksternal yang Mempengaruhi Penyaluran Kredit Perbankan Masita Anggraini; Ayif Fathurrahman
Journal of Economics Research and Social Sciences Vol 2, No 1: February 2018
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jerss.v2i1.9948

Penelitian ini bertujuan untuk menganalisis pengaruh faktor internal dan eksternal terhadap penyaluran Kredit perbankan.Objek dalam penelitian ini adalah Dana Pihak Ketiga, Dana Pihak Ketiga, Capital Adequacy Ratio (CAR), Inflasi Kurs, dan Kredit perbankan khususnya pada Bank Persero. Data yang digunakan dalam penelitian ini adalah data sekunder mulai tahun 2007-2016. Alat analisis yang digunakan adalah Error Corection Model (ECM). Berdasarkan analisis yang telah dilakukan diperoleh hasil bahwa Dana Pihak Ketiga, Capital Adequacy Ratio (CAR) berpengaruh secara signifikan, sementara Inflasi dan Kurs tidak berpengaruh secara signifikan terhadap penyaluran kredit pada Bank Persero.

Meninjau Ulang Penerapan Fractional Reserve Banking pada Perbankan Syariah Ayif Fathurrahman
IQTISHODUNA: Jurnal Ekonomi Islam Vol 7 No 2 (2018): Oktober
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (453.029 KB)

This article aims to discuss fractional reserve banking applied by Islamic banking. The practice of fractional reserve banking applied by Sharia banking is part of contemporary practice that was not discovered at the time of the Prophet. Thus, a comprehensive ijtihadi study of the Islamic banking system is needed, considering that the practice of fractional reserve banking applied by Islamic banking is also part of conventional banking practices. The practice of fractional reserve banking in conventional banking has been proven to have an impact on banking institutions and has an impact on the monetary crisis which destabilizes the country's economic stability. In addition, the practice of fractional reserve banking also contradicts Islamic law, for example Meera and Moussa (2009) stated in their research that fractional reserve banking was not in accordance with Islamic principles, because it contradicted the concept of al-milkiyah (ownership) in Islam. This can be seen from the creation of money through fractional reserve banking with the creation of purchasing power of nothingness (creating money out of nothing) which will have an impact on the unfairness of transfer of asset ownership in the structure of the economy, because transfer of ownership is not based on human effort by taking it legally and not with the knowledge or approval of the initial fund owner. This violates the principles of ownership in Islam and is tantamount to theft, let alone this system is very closely related to elements of usury. Publicity according to Sani and Aziuddin (2013) also concluded that fractional reserve banking is not allowed in the Islamic perspective. This perspective is based on the maqasid syariah parameters used to measure empirically the implications of the frational reserve banking system on the economic stability of the community.

Pengaruh Gaya Hidup, Label Halal dan Harga terhadap Keputusan Pembelian Kosmetik (Studi Kasus pada Produk Safi) Ayif Fathurrahman; Martyas Anggesti
JES (Jurnal Ekonomi Syariah) Vol 6, No 2 (2021): September
Publisher : Universitas Islam Lamongan

Abstract: Style development changes every year. Indonesia, where the population majority is Muslim, is now developing an Islamic lifestyle. This style development can be supported by the inclusion of halal labeling on product packaging. The halal label on the product guarantees that the product is safe for consumption or use. Muslim consumers will consider this before making a purchase indeed. Safi product is a cosmetic product that is halal and safe because they do not contain harmful ingredients. This study aims to analyze the purchasing decision of students for Safi Cosmetics at Universitas Muhammadiyah Yogyakarta and what factors influence the purchasing decision for Safi Cosmetics. This study used data from 120 people. The sample collection used the purposive sampling technique and multiple regression analysis in analyzing primary data. The analytical tool used in this study is the SPSS version 21.0 for windows software. The results obtained in this study are lifestyle variables, halal labels, and prices have a positive and significant effect on students' purchasing decisions for Safi Cosmetic at Universitas Muhammadiyah Yogyakarta. This study shows that the coefficient of determination is 0.484 or 48.4%. The decision of students at the Universitas Muhammadiyah Yogyakarta to purchase Safi Cosmetics can be shown that 48.4% is influenced by lifestyle, halal labels, and prices. Meanwhile, 51.6% is explained by other variables outside the model.

Telaah Terhadap Praktik Akad Wadi’ah Di Perbankan Syariah Ayif Fathurrahman
JES (Jurnal Ekonomi Syariah) Vol 4, No 1 (2019): Maret
Publisher : Universitas Islam Lamongan

Even though Islamic banking through its programs has socialized sharia products to the general public, there are still some people who do not understand a number of sharia products, even though when examined about the benefits, all Islamic products certainly have their respective functions and roles in the economic life of the people. In connection with it, the products of the Islamic bank does not escape the problems. In practice, there are findings that might reduce the level of public interest if allowed to continue without the actions of Islamic banks. In addition, even in a sharia perspective, it is necessary to review how the contract should be implemented so that it does not harm both parties, both the bank and the customer. The article intends to examine more deeply about one of the sharia products, namely wadi>’ah (safekeeping services). This product is a deposit fund service where depositors can take the funds at any time, where the bank is not obliged but is allowed to give bonuses to customers. In this paper, the author tries to trace the wadi>’ah contract and its application in Islamic banking and tries to analyze the basis agreed upon by the National Sharia Board (DSN). Based on the literature review and the application of wadi>’ah in Islamic banking, the authors conclude for a while that there is nothing that shows a discrepancy with Islamic principles. However, in practice, it is still very necessary to develop. Keywords: Wadi>’ah, Islamic Bank, National Sharia Board

Analisis Perbandingan Kinerja Layanan Keuangan Korporasi Di Indonesia (Studi Kasus Pada PT. Bank Mega Tbk dan PT. Bank Mega Syariah) Ayif Fathurrahman; Harun Thalib
JES (Jurnal Ekonomi Syariah) Vol 5, No 1 (2020): Maret
Publisher : Universitas Islam Lamongan

In Indonesia, the banking economy in carrying out its functions is based on the principle of prudence. The main function of banking is to collect funds from the public, and at the same time channel public funds and support the implementation of national development in order to increase the level of equitable development, national economic growth and national economic stability, towards improving the better living standards of the people. It is stated in Act Number 10 of 1998 concerning banking, that banks as business entities collect funds from the public in the form of deposits and distribute them to the public in the form of credit and or other forms in order to improve the standard of living of the community. The purpose of this research is to analize the financial performance comparison between Bank Mega (conventional) and Bank Mega Syariah from 2012 to 2018, by using these financial ratio aspects: CAR (capital adequacy ratio), NPL (non performing loan), ROA (return on assets), BOPO (biaya operasional dan pendapatan operasional), LDR (loan to deposit ratio). The data used in this research is the secondary data obtained from banking statistics issued by Otoritas Jasa Keuangan (OJK) from 2012 to 2018, with using Independent Sample T-Test analysis methode in SPSS 16 software. The result shows that there is a significant difference in LDR, NPL,BOPO ratio and no significant difference in CAR and ROA ratio between PT Bank Mega Tbk, (conventional) and PT Bank Mega Syariah In financial performance aspect, PT Bank Mega Tbk is better. However, in liquidity aspect, PT Bank Mega Syariah is better. Keywords: PT Bank Mega Tbk, PT Bank Mega Syariah, CAR, NPL, LDR, BOPO, ROA

DETERMINANT OF TOTAL ASSETS OF SHARIA BANKS IN INDONESIA (An Error Correction Model Approach) Ayif fathurrahman; Maya Kumala Sari
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 4, No 2 (2020)
Publisher : Univeristas Islam Bandung

This study aims to analyze the factors that affect the total assets of Islamic banks in Indonesia in 2015: 1 - 2018: 9. The data used include Third Party Funds, Financing to Deposit Ratio (FDR), Third Party Funds (TPF), Gross Domestic Product (GDP), Sharia Bank Total Assets. This study uses the Error Correction Model (ECM) approach. The study result show that both long-term and short-term Third Party Funds (TPF) and Financing to Deposit Ratio ( FDR) have a positive and significant relationship to the total assets of Islamic banks in Indonesia. At the same time, inflation and Gross Domestic Product (GDP) have a positive and not significant effect on the total assets of Islamic banks in Indonesia. The result shows that internal factors significantly affect the total assets of Islamic banks in Indonesia. In contrast, external factors do not have a significant effect on the total assets of Islamic banks.

Determinan Ketergantungan Pedagang Muslim Pasar Tradisional Terhadap Kredit Rentenir Di Pasar Tradisional Bantul DIY Ayif Fathurrahman; Amirah Amirah
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol. 4 No. 1 (2020)
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/alurban_vol4/is1pp60-75

The research aimed at analyzing market traders’ interest toward rentenir (money lender) loans. The subjects of the research were people as the source of information who could provide accurate data according to the condition and events that occurred at the area of the research. In this case, the subjects of the research were market traders at Pasar (market) Bantul. The samples were 100 respondents. The data analysis technique was Double Linear Regression. Based on the conducted analysis, the result illustrated that convenience had positive and significant influence toward market traders’ interest toward rentenir loans. Knowledge on religious matters had negative significant influence toward market traders’ interest toward rentenir loans and marketing had positive significant influence toward market traders’ interest toward rentenir loans.

Determinan Market Share Perbankan Syariah di Indonesia (Pendekatan Error Correction Model) Ayif Fathurrahman; Ade Maya Asriyanti
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022)
Publisher : Universitas Muhammadiyah Surabaya

Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh financing to deposit ratio, dana pihak ketiga, BI rate dan inflasi terhadap market share perbankan syariah di Indonesia. Objek dalam penelitian ini difokuskan pada Bank Umum Syariah dan Unit Usaha Syariah periode 2015 sampai 2019. Alat analisis yang digunakan dalam penelitian ini adalah Error Correction Model (ECM) dengan program analisis Eviews 7.0. Berdasarkan pengujian hipotesis yang telah dilakukan diperoleh hasil bahwa dalam jangka panjang FDR dan inflasi memiliki pengaruh positif tetapi tidak signifikan terhadap market share perbankan syariah, BI rate memiliki pengaruh negatif tetapi tidak signifikan terhadap market share perbankan syariah serta DPK memiliki pengaruh positif dan signifikan terhadap market share perbankan syariah di Indonesia. Sedangkan dalam jangka pendek, FDR dan DPK memiliki pengaruh positif dan signifikan terhadap market share perbankan syariah, BI rate memiliki pengaruh positif tetapi tidak signifikan terhadap market share perbankan syariah serta inflasi memiliki pengaruh negatif tetapi tidak signifikan terhadap market share perbankan syariah di Indonesia.

Co-Authors Ade Maya Asriyanti Agustina Ayu Wulandari, Agustina Ayu Ambar Arum Pratiwi Amirah Amirah Anggraini, Masita Anggun Dwi Cahyani Arsianto, Anisa Nendiya Devi, Abriani Sita Dimas Bagus Wiranatakusuma Edi Supiyono Fadilla, Jihan Fahmi Zulfikar Faiza Husnayeni Nahar Febriani, Peggy FIRSHA RUSDI Hamiyah Al-Islami Harun Thalib imamudin yuliadi Jihan Fadilla Martyas Anggesti Masita Anggraini Maya Kumala Sari Muhammad Danish Farhad Bin Zainol Asri Mutmainah, Choironi Nida Awaliah Fitriani Rahma Aprilia Widiastuti Raisa Mukaroma Ratnasari, Dian Puspita Rista Suryadi RUSDI, FIRSHA Setiana, Nana Dwi Suryadi, Rista Umi Azizah Umi Azizah, Umi Widiastuti, Rahma Aprilia Yuli Utami Zaini Muchlis

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