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All Journal Muqtasid: Jurnal Ekonomi dan Perbankan Syariah AL-FALAH : Journal of Islamic Economics Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah TAMWIL: Jurnal Ekonomi Islam JURIS (Jurnal Ilmiah Syariah) MABIS: Jurnal Manajemen Bisnis Syariah Jurnal Akuntansi Syariah (JAkSya) Maqdis: Jurnal Kajian Ekonomi Islam Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Imara: Jurnal Riset Ekonomi Islam Al-bank: Journal of Islamic Banking and Finance Management of Education: Jurnal Manajemen Pendidikan Islam
Rizal Rizal
Universitas Islam Negeri Mahmud Yunus Batusangkar
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Bibliometric Analysis of Research of Cash Waqf Using Vosviewer Nil Firdaus; Rizal Rizal
AL-FALAH : Journal of Islamic Economics Vol 6, No 2 (2021)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v6i2.3485

Abstract

Purpose: Cash Waqf becomes an important issue as a solution to improve the welfare of today’s’ societies. The various studies have been conducted both theoretically and empirically to produce findings in the cash waqf study. This study aims to map writings related to cash waqf.Design/Method/Approach: This research is a quantitative descriptive research through mapping research on cash waqf.Findings: The results of the study showed that writing using the search for cash waqf titles indexed Scopus is as many as 43 documents. While the title search with the word Cash Waqf on Google Scholar as many as 529 documents. Scopus's most-cited indexed journal usurious piety: The Cash Waqf Controversy in the Ottoman Empire was written by J. Mandaville for 79 citations. While on Google Scholar writing with the title Cash waqf and its influence on poverty alleviation program in Indonesia by M Nur al-Arif as many as 451 citations.Originality/Values: The main contribution to this study is to find out the extend of research on cash waqf and the rarely studied themes about cash waqf. 
Internal and External Factors Effects towards Return on Assets in Indonesian Foreign Exchange Sharia Bank Rizal Rizal; Farid Ahmad Marlion; Himyar Pasrizal; Rini Anita
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2021): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v12i1.49-62

Abstract

This study aims to analyze the influence of internal factors such as financing and third-party funds, as well as external factors including inflation, BI, and exchange rate against Return On Asset (ROA) at Indonesian Foreign Exchange Sharia Bank. Furthermore, the library research was used and quantitatively described. Also, using the total sampling technique, the research team obtained six sample banks, namely Bank Mega Syariah, Muamalat Indonesia, Panin Dubai Syariah, BNI Syariah, BRI Syariah, and Bank Syariah Mandiri. The data include Balance Sheet and Profit, Loss Financial Statements, as well as the published reports on inflation, BI, or exchange rates obtained in a quarterly period from 2015 to 2019. According to the F-test, there was a significant influence between the independent variables (Financing, Third Party Funds, Inflation, BI, and Exchange Rates) on the dependent (ROA). Meanwhile, the t-test showed there was no significant effect of partial financing, Third Party Funds, BI rate (X ), and Kurs (X ) on the ROA. Therefore, this study showed there was an increase in ROA because the society involves in financing due to high inflation.
PEMBIAYAAN MUSYARAKAH DI PT. BPR SYARIAH AL-MAKMUR LIMBANANG Intan Purnama Sari; Rizal Rizal; Rizal Fahlefi
Tamwil Vol 5, No 1 (2019)
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (164.173 KB) | DOI: 10.31958/jtm.v5i1.2276

Abstract

This study aims to describe and understand the system of profit sharing for musyarakah financing. This study uses a qualitative descriptive type and field study research method by conducting interviews and documentation. The results of the study show that the profit sharing system applied by PT. BPR Syariah Al-Makmur uses revenue sharing, with profit sharing for banks calculated from the results of financing given divided by the total value of the project and multiplied by the estimated profit sharing ratio. The researcher concluded that the profit sharing system of Islamic banks as a whole was in accordance with the rules. The researcher suggested that banks use a profit sharing system, with the burden of costs being borne by banks and customers, so that there is a form of justice in musyarakah financing
PENGEMBANGAN SUMBER DAYA MANUSIA PERBANKAN SYARIAH DI BPRS AL-MAKMUR Roby Setiawan; Rizal Rizal; Himyar Pasrizal
Tamwil Vol 8, No 1 (2022)
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/jtm.v8i1.5954

Abstract

Penelitian ini bertujuan untuk mengetahui pengembangan sumber daya manusia perbankan syariah di PT. BPRS Al-Makmur Pokok permasalahan dalam penelitian ini adalah bagaimana pengembangan sumber daya manusia perbankan syariah di PT BPRS Al-Makmur. Jenis penelitian yang penulis gunakan adalah penelitian lapangan (field research), untuk mendapatkan data-data dari permasalahan yang diteliti. Teknik pengumpulan data penelitian ini adalah melalui wawancara dan dokumentasi. Pengelolaan data dilakukan secara deskriptif kualitatif, kemudian diuraikan serta melakukan klasifikasi terhadap aspek masalah tertentu dan memaparkan melalui kalimat yang efektif.Hasil dari penelitian ini didapatkan tentang pengembangan sumber daya manusia perbankan syariah di PT. BPRS Al-Makmur Sumber daya manusia yang telah direkrut melalui proses orientasi, dengan metode on the job training, berupa orientasi yang diberikan sambil bekerja, ikut dengan senior yang sudah berpengalaman. Adapun pengembangan sumber daya manusia yang dilakukan meliputi: Pelatihan Dasar Perbankan Syariah (PDPS) Al-Makmur, Basic Training, Selling Skill, Pelatihan Account Officer (AO), Training Skill dan Pengajian Rutin Mingguan. Sementara itu, bentuk-bentuk pengembangan karier yang dilakukan oleh PT. BPRS Al-Makmur meliputi: rotasi jabatan, mutasi jabatan dan promosi jabatan.
Liquidity Risk Management of Mudharabah Deposit Products At PT. BPRS Al Makmur Ifelda Nengsih; Rizal Rizal
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 8 No 1 (2022): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 202
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (548.461 KB) | DOI: 10.36908/isbank.v8i1.430

Abstract

Abstract This research aims to uncover the risk management and management system carried out by PT. BPR Syariah Al-Makmur against mudharabah deposit products. This type of research is qualitative with descriptive methods. Data is collected through interviews and documentation to get an overview of the research. This study found that deposits became a superior product because deposits could take funds even if they were not due and were not subject to fines (penalties). To avoid liquidity risks due to withdrawal of funds before maturity, management develops various strategies. The liquidity risk management strategy developed in sequence is through a persuasive approach, namely by giving ababa, requesting 1 to 3 days if the funds are insufficient and providing facilities for the delivery of funds to the customer's residence. The preventive strategy of handling liquidity risk is to predict the needs of funds by carrying out daily monitoring of funds so that the stock of funds is carried out, also through the asset liquidity approach and repressive approach. Become a new model of deposit management carried out by PT. BPR Syariah Al-Makmur because no other financial institution has done anything like this. This model proved to be the largest source of funds compared to ordinary savings from 2012 to 2018. Although the number of deposits has decreased from 2017 to 2019. Even in 2019 the number of deposits is lower than ordinary savings, but this is an interesting thing to study further why this can happen.
AKUNTABILITAS DAN TRANSPARANSI KEUANGAN DI YAYASAN PENDIDIKAN DAN DAKWAH ISLAM WIHDATUL UMMAH QURRATA A’YUN BATUSANGKAR Diatul Fajri; Rizal Rizal; Nofrivul Nofrivul
Jurnal Akuntansi Syariah (JAkSya) Vol 1, No 1 (2021): JAkSya Jurnal Akuntansi Syariah
Publisher : IAIN BATUSANGKAR

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (298.187 KB) | DOI: 10.31958/jaksya.v1i1.2733

Abstract

Tujuan penelitian ini untuk mengetahui dan memahami implementasi dari prinsip akuntabilitas dan transparansi pengelolaan keuangan Yayasan Pendidikan dan Dakwah Islam Wihdatul Ummah Qurrata A’yun (YPDI-WU-QA) Batusangkar serta pandangan Stakeholders terhadap penggelolaan (YPDI-WU-QA) Batusangkar. Penelitian yang digunakan adalah penelitian studi kasus dengan metode deskriptif kualitatif. Teknik pengumpulan data yang digunakan adalah melalui observasi, wawancara dan dokumentasi. Pengolahan data dilakukan secara deskriptif kualitatif, kemudian diuraikan serta melakukan klasifikasi terhadap aspek masalah tertentu dan memaparkan melalui kalimat yang efektif. Hasil penelitian ini menunjukan bahwa Yayasan Pendidikan dan Dakwah Islam Wihdatul Ummah Qurrata A’yun Batusangkar telah melaksanakan akuntabilitas dalam pengelolaan dana sesuai dengan indikator yang dikembangkan, baik akuntabilitas hukum dan kejujuran, akuntabilitas manajerial, akuntabilitas program, akuntabilitas kebijakan, dan akuntabilitas finansial. Transparansi yang dilakukan oleh Yayasan Pendidikan dan Dakwah Islam Wihdatul Ummah Qurrata A’yun Batusangkar belum sepenuhnya menerapkan prinsip transparansi. Saat ini, dari 6 (enam) indikator prinsip transparansi terdapat 3 (tiga) indikator prinsip transparansi yang belum dilaksanakan sepenuhnya oleh Yayasan Pendidikan dan Dakwah Islam Wihdatul Ummah Qurrata A’yun Batusangkar yaitu laporan keuangan yayasan belum pernah dipublikasikan melalui media masa. Belum ada laporan berkala mengenai pendayagunaan sumber daya yang dapat diakses oleh umum. Serta belum mempunyai website sendiri. Stakeholders percaya bahwa pengurus yang ada di yayasan cukup baik dalam penggelolaan yayasan serta Stakeholders percaya memberikan sumbangan dan dana wakaf kepada Yayasan Wihdatul Ummah Qurrata A’yun Batusangkar karena profil pengurus yayasan yang kredibel atau taat melaksanakan perintah Agama Islam.
KONGSI PEMILIKAN RUMAH BERBASIS SYARIAH PERBANDINGAN ANTARA BANK MUAMALAT INDONESIA DAN BANK RAKYAT INDONESIA SYARIAH RIZAL RIZAL; ELFADHLI ELFADHLI; FATIMAH SETIA WARDHANI; ZAINUDDIN ZAINUDDIN
Maqdis: Jurnal Kajian Ekonomi Islam Vol 3, No 2 (2018): Juli - Desember 2018
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/maqdis.v3i2.192

Abstract

The purpose of this study was to explain the comparison of financing processes, asset acquisition, and transfer of home ownership financing with Musyarakah Mutanaqisah and Ijarah muntahiyah Bitamlik. The research object was at Bank Muamalat Indonesia, Solok Branch Office and at Bank Rakyat Indonesia Syariah Padang Branch. The type of research used is qualitative comparative research. The data collection technique used is through interviews and documentation. Data processing is done by qualitative comparative analysis techniques. The results of the study are: First, the process of financing home ownership with musyarakah mutanaqisah is longer than ijarah muntahiyah bitamlik. Second, the procurement of assets with musyrakah mutanaqisah is clearer than ijarah muntahiyah bitamlik. Third, the transfer of ownership in the financing of home ownership with Musyarakah Mutanaqisah process is certain, while the transfer of home ownership with Ijarah Muntahiyah Bitamlik the process is uncertain. Fourth, financing using the Musharaka Mutanaqisah agreement is superior to the Ijarah muntahiya bitamlik both in terms of procurement, certainty of ownership transfer and in terms of legality to collateral. Although in terms of the process it is faster on Ijarah Muntahiya Bittamlik.
PENGARUH TABUNGAN DAN DEPOSITO MUDHARABAH TERHADAP SISA HASIL USAHA KOPERASI PEGAWAI NEGERI SYARIAH RIZAL RIZAL
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 3, No 1 (2018): Januari - Juni 2018
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v3i1.171

Abstract

The purpose of this research was to analyze the effect of hajj saving, qurban saving, wadiah saving and mudharabah deposit simultaneously and partially towards net income (SHU) of sharia civil servant cooperative Al-Ikhlas in IAIN Batusangkar. The type of this research was a field research through quantitative method with the secondary data used are the financial statements of the year 2015-2016. The result of this research provides the effect of deposit, qurban saving, wadiah saving and hajj saving simultaneously towards net income (SHU) is 62.7 % while the remaining 37.3% is influenced by other factors that not examined in this research. Partially, merely hajj saving that has positive and significant effect towards net income (SHU). While, qurban saving, wadiah saving and mudharabah deposit have no positive and significant effect towards net income (SHU).
ANALISIS PROBLEMATIKA MANAJEMEN SUMBER DAYA INSANI PADA BMT AL-FURQON PADANG SIBUSUK (STUDI ANALISIS MELALUI PENDEKATAN ANALYTICAL NETWORK PROCESS) Ashri Ramadhani; Rizal Rizal; Himyar Pasrizal
Tamwil Vol 8, No 2 (2022)
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/jtm.v8i2.7843

Abstract

BMT Al-Furqon Padang Sibusuk yang dalam tahap perkembangan dalam hal manajemen sumber daya insani merupakan masalah pokok dalam penilitian ini. Menemukan problematika manajemen sumber daya insani di BMT Al-Furqon Padang Sibusuk dan berbagai faktor penyebabnya dengan menggunakan Analytic Network Process (ANP) merupakan tujuan dari penelitian ini. Hasil penelitian ini menunjukkan bahwa pada BMT Al-Furqon Padang Sibusuk, problematika manajemen sumber daya insani terdiri dari problematika perencanaan SDI, rekrutmen dan seleksi, pelatihan dan pengembangan, penilaian kinerja SDI serta problematika kompensasi. Kemudian faktor penyebab problematika tersebut yaitu dari sisi perencanaan SDI adalah perubahan lingkungan eksternal seperti sosial ekonomi dan pandemi Covid-19. Dari sisi rekrutmen dan seleksi yaitu masalah biaya pelaksanaan. Dari sisi pelatihan dan pengembangan yaitu BMT masih dikategorikan sebagai LKM yang harus berbadan hukum koperasi. Dari sisi penilaian kinerja SDI yaitu kurangnya monitor dari kepala yayasan BMT Al-Furqon Padang Sibusuk. Dari sisi kompensasi yaitu kurangnya tanggung jawab kerja, kehadiran dan kedisiplinan karyawan. Selanjutnya hasil Analytic Network Process (ANP), diperoleh masalah prioritas adalah masalah kompensasi dengan angka kesepakatan sebesar 0,244. Kemudian solusi prioritas yaitu solusi kompensasi dengan angka kesepakatan 0,246. Selanjutnya strategi prioritas yaitu strategi peningkatan kompensasi dengan nilai 0,391.
PROFITABILITY OF ISLAMIC BANKS: EVIDENCE FROM SHARIA BUSINESS UNIT OF BANK NAGARI RIZAL RIZAL; DAVID DAVID; HUSNI SHABRI; ELSA FITRI AMRAN
Maqdis: Jurnal Kajian Ekonomi Islam Vol 7, No 2 (2022): Juli - Desember 2022
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/maqdis.v7i2.331

Abstract

This study aims to analyze the effect of Total Assets, Non Performing Financing, Financing to Deposit Ratio and Profit Sharing Financing on Return on Assets of Sharia Business Unit of Bank Nagari as Regional Government Bank West Sumatra Province. This type of research is associative research with a quantitative approach. The data analysis technique used ordinal logistic regression model of proportional odds. The results show that partially Non Performing Financing has a negative and significant effect on Return on Assets, Financing to Deposit Ratio has a positive and significant effect on Return on Assets, Total Assets and Profit Sharing Financing has no effect on Return on Assets of Unit Usaha Syariah Bank Nagari. Meanwhile, simultaneously Total Assets, Non-Performing Financing, Financing to Deposit Ratio and Profit Sharing Financing are only able to affect Return on Assets of 41.4%, the rest is influenced by other variables. The research outcomes will be invaluable to Islamic Bank aiming to improve Return on Asset that a decrease in the value of the Non Performing Financing ratio and an increase in the value of the Financing to Deposit Ratio.
Co-Authors Alfi Rahmi HS Alimin Alimin ANITA, RINI Ashri Ramadhani Asrul Gustomi David David Diatul Fajri ELFADHLI ELFADHLI Elmiliyani Wahyuni ELSA FITRI AMRAN Farid Ahmad Marlion FATIMAH SETIA WARDHANI Firdaus, Nil Fitri Yenti Ghita Ramadhayanti Himyar Pasrizal Himyar Pasrizal Himyar Pasrizal HUSNI SHABRI Ifelda Nengsih Ifelda Nengsih Intan Purnama Sari Megi Saputra Nadia Renata Nil Firdaus Nofrivul Nofrivul Novia Nengsih Pertiwi Utami Rizal Fahlefi Rizal Fahlefi Rizal Fahlevi Roby Setiawan Ruslan Abdul Ghofur Shofian Ahmad Wan Nor Aisyah Wan Yussof Wiranda Wulandari Yeni Melia Zainuddin Zainuddin