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All Journal Jurnal Ekonomi & Bisnis PNJ (JEKBIS PNJ) Jurnal EK dan BI Jukerdi: Jurnal Kewirausahaan Cerdas Dan Digital Ahsan: Jurnal Ilmiah Keislaman dan Kemasyarakatan
Muhammad Aldi Akbar
Unknown Affiliation
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Other

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PENGARUH INFLASI DAN KURS TERHADAP INVESTASI DI PROVINSI SUMATERA UTARA PADA TAHUN 2001-2022 GRESIA SEPTINA SITOHANG; Muhammad Aldi Akbar; FEROZI RAMDANA IRSYAD; ANGELINA ROLAS OLIVIA NAIBAHO; JONATAN MARBUN; FILJA AZKIAH SIREGAR; JOKO SUHARIANTO
Jurnal Ekonomi dan Bisnis (EK dan BI) Vol 7 No 1 (2024)
Publisher : Politeknik Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37600/ekbi.v7i1.1389

Abstract

North Sumatra is one of the provinces in Indonesia that has significant investment potential. There are numerous factors that deeply influence investment within the region. One vital component in driving the economic growth of a country is investment, which is crucial for increasing employment opportunities and income for the residents of North Sumatra Province. However, in recent years, the investment level in North Sumatra has experienced fluctuations. One suspected root cause of these fluctuations is the inflation rate and exchange rate. The research methodology employed in this study involves collecting data on inflation and exchange rates occurring in North Sumatra Province over a specified period. Subsequently, the data will be quantitatively analyzed using multiple linear regression method with the assistance of statistical data processing tool Eviews 9, yielding an R-squared value of 0.83. In other words, the inflation and exchange rate variables contribute 83% to the investment level in North Sumatra Province, with an additional 17% of variance not accounted for in this study. The research findings indicate that the exchange rate has a positive and significant impact, while inflation has a negative and significant impact on investment in North Sumatra Province during the period from 2001 to 2022. Keywords: Investment, Exchange Rate, Inflation, North Sumatra
Analisis Perbandingan Kinerja Keuangan Perbankan Konvensional Dan Perbankan Syariah Angelina Rolas Olivia Naibaho; Daniel Sanggam Luhutan; Diva Alnaya; Muhammad Aldi Akbar; Hasyim Hasyim
Jurnal Kewirausahaan Cerdas dan Digital Vol. 1 No. 3 (2024): Jurnal Kewirausahaan Cerdas dan Digital
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jukerdi.v1i3.103

Abstract

The purpose of this study is to assess the comparative financial performance between conventional and Islamic banks in Indonesia by considering factors such as profitability, liquidity, operational efficiency, and credit risk. Using a qualitative approach and literature review method from various credible sources, the results show that conventional banks tend to use ROA, ROE, CIR, and NIM as the main profitability indicators; Islamic banks also use NPF and FDR. CAR and NIM affect Islamic banks' profitability positively against ROA, while BOPO affects conventional banks' ROA negatively. In terms of liquidity, Islamic banks have an advantage due to the yield principle applied. This is indicated by the current ratio, quick ratio, money ratio, and loan-to-deposit ratio, which show their ability to meet short-term obligations better compared to conventional banks. BOPO shows the operational efficiency of Islamic banks thanks to the principles of fairness and sustainability, while conventional banks excel in revenue management from assets and investor capital. The profit-sharing system in Islamic banks lowers credit risk compared to conventional banks. Although the operating principles of the two types of banking are different, this study found that each type of banking exhibits strengths and weaknesses in terms of profitability, liquidity, efficiency, and credit risk. It is hoped that these results will aid the growth of the Indonesian banking industry and help bank management and relevant stakeholders make informed decisions.
Pendidikan, Investasi Modal Manu UNVEILING THE PATH TO PROSPERITY IN PAPUA : AN ANALYSIS OF HUMAN CAPITAL INVESTMENT TRENDS IN EDUCATION (2018-2023) Oktania, Ainur; Eza Syahbana; Muhammad Aldi Akbar; Putri Kemala Dewi Lubis
Ekonomi & Bisnis Vol 23 No 2 (2024): Jurnal Ekonomi & Bisnis Desember 2024
Publisher : Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32722/eb.v23i2.6671

Abstract

Tujuan dari penelitian ini adalah untuk menganalisis dampak investasi modal manusia melalui pendidikan terhadap pembangunan manusia di Provinsi Papua, sejalan dengan janji otonomi khusus yang mengamanatkan alokasi dana untuk pendidikan. Metodologi penelitian menggunakan regresi data panel dengan aplikasi EViews, dengan 29 kabupaten/kota di Provinsi Papua sebagai objek penelitian. Secara parsial, Indeks Pembangunan Manusia (IPM) dipengaruhi secara positif dan signifikan oleh Rata-rata Lama Sekolah (RLS), Harapan Lama Sekolah (HLS), dan Angka Harapan Hidup (AHH) berdasarkan hasil analisis penelitian. Secara simultan, ketiga variabel bebas tersebut memberikan kontribusi sebesar 99.85% terhadap IPM. Kesimpulan dari penelitian ini adalah investasi dalam pendidikan memiliki peran penting dalam meningkatkan pembangunan manusia di Provinsi Papua, sekaligus mencerminkan refleksi dari upaya implementasi janji otonomi khusus dalam meningkatkan kualitas hidup penduduk setempat.
EFEKTIVITAS MANAJEMEN RISIKO DALAM PEMBIAYAAN MUDHARABAH DAN MUSYARAKAH Lia Wardati; Muhammad Ismail; Nazwa Hasanatul Hikmah; Muhammad Aldi Akbar; Erwan Setyanoor
Ahsan: Jurnal Ilmiah Keislaman dan Kemasyarakatan Vol 2 No 1 (2025)
Publisher : PT. Pustaka Andil Lestari

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The Islamic economy, based on the principles of justice, equality, and the prohibition of usury, offers alternative financing through profit-sharing contracts, particularly mudharabah and musyarakah. These contracts are key instruments in Islamic banking; however, their implementation in Indonesia still faces challenges, including the dominance of non–profit-sharing products, financing risks, and regulatory limitations. This study aims to analyze the implementation of risk management in mudharabah and musyarakah financing. The research method employs a library research approach with qualitative descriptive analysis. Data were collected through documentation studies of primary and secondary literature, including books, journal articles, DSN-MUI fatwas, and relevant regulations. Data analysis was conducted using content analysis, which involved identifying themes, classifying information, and synthesizing findings. The results show that risk management in mudharabah and musyarakah includes the processes of risk identification, evaluation, and mitigation, tailored to the nature of each contract. Mitigation strategies include customer feasibility analysis, business monitoring, document verification, and limited use of collateral. Although these contracts have the potential to support inclusive economic development, their application still requires strengthening public knowledge, improving regulations, and implementing systematic risk management to optimize their benefits.
Hak Kekayaan Intelektual sebagai Kepemilikan Tak Berwujud dalam Persfektif Fikih Muamalah Kontemporer Nurlatifah; Muhammad Aldi Akbar; Erwan Setyanor
Ahsan: Jurnal Ilmiah Keislaman dan Kemasyarakatan Vol. 2 No. 2 (2025)
Publisher : PT. Pustaka Andil Lestari

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Abstract

Intellectual Property (IP) is a manifestation of human intellectual ability that holds moral, economic, and social value. This study examines the definition, scope, and protection of IP from the perspective of contemporary Islamic commercial jurisprudence (fiqh muamalah) and Islamic law, while also reviewing national and global issues concerning IP violations. At the national level, the widespread piracy of books, software, and films in Indonesia reflects low public awareness of copyright, contradicting the Islamic principles of justice and trustworthiness. At the global level, the COVID-19 pandemic raised ethical dilemmas regarding vaccine patents, requiring a balance between IP protection and public access to healthcare. The Islamic perspective emphasizes that IP protection is important but not absolute; in emergency situations or for the public benefit, flexibility is permitted to ensure hifẓ al-nafs (protection of life) and maslahah ‘āmmah. The study concludes that IP should be respected as an asset of both economic and moral value, while its implementation must consider social, economic, and Shariah contexts.
Co-Authors ANGELINA ROLAS OLIVIA NAIBAHO Daniel Sanggam Luhutan Diva Alnaya Erwan Setyanoor Erwan Setyanor Eza Syahbana FEROZI RAMDANA IRSYAD FILJA AZKIAH SIREGAR Gresia Septina Sitohang Hasyim Hasyim JONATAN MARBUN Lia Wardati Muhammad Ismail Nazwa Hasanatul Hikmah Nurlatifah Oktania, Ainur Putri Kemala Dewi Lubis