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All Journal Jurnal Bisnis Kompetitif Jurnal Pengabdian Kompetitif IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita
Afvan Aquino
FEB Unilak
Economics, Econometrics & Finance Social Sciences

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Determinants of Individuals’ Understanding of Riba in Islamic Financial Transactions Idel Waldelmi; Wita Dwika Listihana; Afvan Aquino; Novita Novita; Fatkhurahman Fatkhurahman
IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Vol 15 No 1 (2026): IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita-June
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/iqtishaduna.v15i1.2874

Abstract

Purpose - This study aims to analyze the determinant factors influencing the level of knowledge of Riba in sharia financial transactions. Specifically, the research examines the roles of religion, access to information, living necessities, culture, and financial alternatives in shaping public understanding of Riba. Method - The study employs a quantitative descriptive approach using primary data collected through structured questionnaires distributed to 132 respondents in Pekanbaru City who have previously engaged in sharia financial transactions. Data were analyzed using multiple linear regression to identify the significance and direction of influence of each independent variable on Riba knowledge. Findings - This study confirms that religion, access to information, living necessities, culture, and financial alternatives collectively influence Riba knowledge, the specific results clarify their distinct roles. Religion acts as the dominant moral foundation, access to information strengthens cognitive understanding, culture shapes social norms, living necessities create economic pressure, and financial alternatives provide limited explanatory influence. These findings imply that improving religious education and information accessibility is crucial for strengthening public understanding of sharia-compliant finance. Implications - The finding contributes theoretically by enriching the literature on Islamic financial literacy and empirically by providing evidence from an urban Muslim community. Practically, the findings offer insights for policymakers, Islamic financial institutions, and educators to design more effective literacy and outreach programs to reduce dependence on Riba-based transactions.
PERBANDINGAN SENSITIVITAS DAN SPESIFISITAS MODEL PREDIKSI KEBANGKRUTAN PADA INDUSTRI PROPERTY DAN REAL ESTATE: PENDEKATAN ALTMAN, GROVER, SPRINGATE, DAN ZMIJEWSKI Afvan Aquino; Idel Waldelmi; Lusiana Elfrida
Jurnal Ekonomi Bisnis Kompetif Vol 4 No 3 (2025): aktor Penentu Minat Pembelian, Kinerja Karyawan, dan Pengelolaan Hubungan Pelangg
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/bisniskompetif.v4i3.2717

Abstract

This study examines bankruptcy prediction in property and real estate companies listed on the Indonesia Stock Exchange during 2019–2023 using four models: Altman Z-Score, Grover, Springate, and Zmijewski. The sample consists of 10 firms selected from the IDXPROPERT index. Each model applies different financial ratios: Altman (four ratios), Grover (three ratios), Springate (four ratios), and Zmijewski (three ratios). The findings indicate that, on average, three out of the four methods classify the companies as financially healthy, even during the Covid-19 pandemic. This resilience is supported by strong working capital, substantial recurring income, well-managed debt reflected in favorable Debt-to-Equity and current ratios, and positive operating cash flows. Differences in results, particularly from the Springate model, are attributed to its use of the asset turnover ratio, which is less appropriate for property and real estate firms and more suitable for manufacturing companies, leading to variation in bankruptcy risk classification.
PELATIHAN DASAR - DASAR WAKAF DI BUMI LANCANG KUNING PEKANBARU RIAU Idel Waldelmi; Afvan Aquino; Wita Dwika Listihana; Aznuriyandi Aznuriyandi; Erma Wahyu Ningsih
Jurnal Pengabdian Kompetitif Vol. 4 No. 2 (2025): Inovasi Teknologi dan Digital untuk Pemberdayaan UMKM dan Desa Mandiri
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/pengabdiankompetif.v4i2.2488

Abstract

This Basic Training on Waqf in Bumi Lancang Kuning, Pekanbaru, Riau aims to assess the literacy (knowledge, understanding, and belief) of the community regarding waqf and to identify opportunities and challenges in its development in Pekanbaru, Riau, Indonesia. The results of the implementation and survey (pre-test and post-test) show that most respondents (more than 70%) have high confidence in the potential of waqf as a sustainable socio-economic instrument. However, a small number still express doubts due to low waqf literacy and trust in the managing institutions. Conceptually, waqf is an Islamic philanthropic instrument that has a special feature in that the assets donated as waqf are eternal and cannot be sold, gifted, or inherited. This principle makes waqf a source of long-term benefits for the community. The great opportunity for waqf development lies in the synergy between community literacy, innovation in productive waqf management, and government policy support. However, the challenges include public trust, the professionalism of managers, and continuous education. Therefore, collaborative efforts between educational institutions, the government, and nazhir are needed to strengthen public confidence and participation in order to create an effective and socially just waqf ecosystem.
Co-Authors Aznuriyandi Aznuriyandi Erma Wahyu Ningsih Fatkhurahman Fatkhurahman Idel Waldelmi Idel Waldelmi Lusiana Elfrida Novita Novita Wita Dwika Listihana Wita Dwika Listihana