Article Per Year (5 Year)
p-Index From 2020 - 2025
1.757
P-Index
This Author published in this journals
All Journal Jurnal Penkomi : Kajian Pendidikan dan Ekonomi Banco: Jurnal Manajemen dan Perbankan Syariah Balanca : Jurnal Ekonomi dan Bisnis Islam Jurnal Ekonomi Syariah dan Bisnis Islamic Economics and Business Review (IESBIR) Ekalaya : Jurnal Ekonomi Akuntansi Al Rikaz : Jurnal Ekonomi Syariah Makkareso : Riset Pengabdian Masyarakat Journal of Islamic Economic and Law (JIEL)
Arifin, Asriadi
Unknown Affiliation
Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Physics Social Sciences Other

Published : 11 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 11 Documents
Search

 1   2 
Implementation of Bank Sharia Indonesia (BSI) Parepare KPR (House Ownership Credit) Products: irwandi; Arifin, Asriadi; Adisaputra, Trian Fisman
Islamic Economics and Business Review Vol 2 No 3 (2023): IESBIR, December 2023
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59580/iesbir.v2i3.6661

Abstract

AbstractThis paper aims to describe the implementation of mortgages by Bank Syariah Indonesia to meet the housing financing needs of customers with an installment system. This type of research is descriptive qualitative to explain in a narrative way the results of research that are more concrete and in-depth. The research approach used is phenomenological in nature. The target/subject of the research is the Parepare Branch of the BNI Syariah Bank which today has transformed into an Indonesian Sharia Bank. The research results were obtained from direct observation and interviews with informants. Data analysis techniques are research data collection, data reduction or data grouping, data compilation/display and drawing conclusions or research conclusions. The results of the study show that BNI Griya iB Hasanah is a consumer financing facility offered to finance customer housing loans (KPR) provided that the customer must have a fixed income. The stages that must be passed before financing is actually distributed to customers include SK requirements for prospective customers, salary slips, unit analysis, customer surveys, preparation of financing decisions, contract signing and determination of down payments.Keywords: KPR product; BNI Griya iB Hasanah; Bank Syariah Indonesia (BSI)AbstrakTulisan ini bertujuan untuk menggambarkan implementasi KPR oleh Bank Syariah Indonesia untuk memenuhi kebutuhan pembiayaan perumahan pada nasabah dengan system angsuran. Jenis penelitian ini adalah deskriptif kualitatif untuk menjelaskan secara naratif hasil penelitian yang lebih konkrit dan mendalam. Pendekatan penelitian yang digunakan bersifat fenomenologi. Target/Subjek penelitian adalah pihak Bank BNI Syariah Cabang Parepare yang hari ini telah bertransformasi menjadi Bank Syariah Indonesia. Hasil penelitian diperoleh dari observasi dan wawancara secara langsung kepada informan. Teknik analisis data adalah pengumpulan data penelitian, reduksi data atau pengelompokkan data, penyusunan/display data dan penarikan konklusi atau simpulan penelitian. Hasil penelitian menunjukkan bahwa BNI Griya iB Hasanah adalah fasilitas pembiayaan konsumtif yang ditawarkan dalam membiayai Kredit Pemilikan Rumah (KPR) nasabah dengan ketentuan bahwa nasabah tersebut harus memiliki pendapatan tetap (fix income). Tahapan yang harus dilalui sebelum pembiayaan benarbenar disalurkan kepada nasabah diantaranya adalah persyaratan SK calon nasabah, slip gaji, analisis unit, survey nasabah, penyusunan keputusan pembiayan, penandatangan akad dan penentuan uang muka.Kata kunci: Produk KPR; BNI Griya iB Hasanah; Bank Syariah Indonesia (BSI)
Fatwa DSN-MUI No. 04/DSN-MUI/IV/2000 tentang Murabahah: Refleksi Kritis terhadap Implementasi BSI Dimensi Ekonomi Islam Arifin, Asriadi
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 5 No 1 (2023): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v6i1.5079

Abstract

This research aims to examine the Implementation of DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000 concerning Murabaha in terms of Islamic economic aspects. This type of research is descriptive qualitative to explain narratively the results of research that are more concrete and in-depth. The approach used is normative, namely studying the DSN MUI fatwa regarding murabahah contracts in mortgage products implemented by Bank BNI Syariah Parepare Branch, which today has transformed into Bank Syariah Indonesia. The research results were obtained by observing and using direct interviews with informants. The results of the study found that the housing implementation of Indonesian Islamic Bank (BSI) mortgage products was in line with the DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000 concerning Murabaha which is based on the context of the customer's needs to realize falah welfare together based on the principles of Islamic economics.
Simbiosis Mutualisme: Hukum Islam dan Perbankan Syariah Arifin, Asriadi; Abubakar, Achmad; Haddade, Hasyim; Ramadhani, Syamsinar
Al Rikaz: Jurnal Ekonomi Syariah Vol 1 No 2 (2023): Al Rikaz: Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/rikaz.v2i1.6448

Abstract

Studies that formulate sharia banking and Islamic law in force in Indonesia have never been studied before, so researchers are currently giving the term symbiosis of mutualism because between sharia banking and Islamic law provide mutual benefits. This library research is a research whose data comes from library sources, namely literature review through library research. The main reference sources in research are adapted from various experts who talk about banking, including: Thamrin Abdullah & Francis Tantri in his book "Banks and Financial Institutions”, Herry Sutanto & Khaerul Umam in his book "Islamic Bank Marketing Management", Muhammad, in his book "Sharia Bank Management” Thamrin Abdullah and Francis Tantri in his book "Banks and Financial Institutions, and Muhammad in his book "Sharia Financing Management”. In addition, it also uses secondary references that are adapted by researchers from various relevant scientific studies. The results show that the principles of Islamic law governing the operations of Islamic banks ethically and morally help Islamic banks to minimize financial risks and ensure fair and balanced transactions. By adhering to these foundations, Islamic banking can avoid bankruptcy risk, maintain its financial stability, and generate halal and blessed profits. Therefore, Islamic law is very important for the sustainability of Islamic banking as a financial instrument that focuses on the application of Islamic law and principles.
Esensi Ilmu dalam Filsafat Ekono Esensi Ilmu dalam Filsafat Ekonomi Islam Awaluddin, Murtiadi; Tawwab, M. Abdut; K, Amiruddin; Arifin, Asriadi
EKALAYA : Jurnal Ekonomi Akuntansi Vol. 1 No. 1 (2023): Ekalaya : Jurnal Ekonomi Akuntansi
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/ekalaya.v1i1.88

Abstract

The life of the world today is controlled by two major powers, namely the economy and faith (religion). Economic life becomes the standard of living of a nation-state. Even the superiority of a country is measured based on the level of economic progress and the measure of the degree of success becomes very materialistic. Behind this, a new phenomenon has arisen showing that economic power is no longer focused on material strength alone, but seeks ways that economics can unite with ethical and spiritual forces or known as integrative business ethics and spirituality. The essence of knowledge in Islamic economic philosophy has a more substantial nature and is different from other economic views. The basis of truth believed by Islamic economics (fiqh muamalah) is based on what is described in the revelation (al-Quran and Hadith) so that the manifestation of the objectives of Islamic economics will appear as a system that saves all aspects of human life both in the frame of individual ownership rights as well as in the goal is to prosper many people
Ekonomi Islam (Sebuah Tinjauan Filsafat: Ontologi; Epistemologi; Aksiologi) nahlah, nahlah; Arifin, Asriadi; Markarma, Muh. Ridwan
EKALAYA : Jurnal Ekonomi Akuntansi Vol. 2 No. 3 (2024): Ekalaya : Jurnal Ekonomi Akuntansi
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/ekalaya.v2i3.815

Abstract

The purpose of this research is to concretely describe Islamic economic philosophy in terms of three aspects, namely Islamic economic epistemology, Islamic economic ontology and Islamic economic axiology. It is believed that the urgency of the contents of this article can add references for the perfection of Islamic economic research that will continue to be carried out in the future, so it is hoped that this article can become an additional reference in this research. This literature research takes written content from research that has been carried out previously and then elaborates it with current thinking until conclusions are drawn that show the substance of the current written content. The conclusion shows that the essence of science is based on aspects of objectives (ontology), methods of searching for truth (epistemology) and scientific values ​​(axiology), all of which are inherent in Islamic economic philosophy and it is a certainty that the main reference is sourced from the Qur'an and Hadith is a fundamental teaching that contains normative and positive values ​​in finding solutions to the economic problems faced.
Meningkatkan Literasi Keuangan Syariah Melalui Pelatihan Sistem Operasional Perbankan Syariah Bagi Guru dan Siswa UPTD Sman 5 Parepare Budiono, I Nyoman; Arifin, Asriadi; Rahma; Harfiana, Fidia
Makkareso: Riset Pengabdian Masyarakat Vol 1 No 2 (2023): Makkareso: Riset Pengabdian Masyarakat
Publisher : Jurnal Makkareso

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/makkareso.v1i2.7141

Abstract

Sharia banking is a financial institution that has a very important role in supporting the national economy and choosing the same direction for Islamic economic development as envisioned by the Government, but despite this, sharia banking still has several obstacles related to several things, one of which is Sharia bank users are still minimal due to the low level of sharia financial literacy. This community service aims to socialize sharia financial literacy through sharia banking training for UPTD students at SMA Negeri 5 Parepare so that this activity is expected to increase the financial literacy of the participants. The method used is pre test and post test, and this stage consists of preparation, implementation and evaluation stages. The results show that there is a very significant increase in the level of sharia financial literacy in sharia banking products among UPTD students at SMA Negeri 5 Parepare, as in the previous pre-test the average score obtained by students was 52.75, while in the post-test after the material was given it showed the value is 90.5.
TANGGUNG JAWAB EKONOMI NEGARA DALAM PERSPEKTIF MUHAMMAD BAQIR ASH SHADR: KAJIAN FILOSOFIS DAN YURIDIS Irwandi, Irwandi; Arifin, Asriadi; Masnama, Masnama; Novianti, Dian
Jurnal PenKoMi : Kajian Pendidikan dan Ekonomi Vol 8 No 1 (2025): Jurnal Penkomi : Kajian Pendidikan dan Ekonomi
Publisher : Sekolah Tinggi Keguruan dan Ilmu Pendidikan (STKIP) Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33627/pk.v8i1.2977

Abstract

Tujuan artikel ini adalah untuk menelaah sejauh mana tanggungjawab pemerintah dalam ekonomi Islam menurut Muhammad Baqir Ash Shadr dalam karyanya "Iqhtishaduna" khususnya mengenai keseimbangan sosial dan intervensi pemerintah dalam bidang ekonomi. Kontribusi artikel ini diharapkan menambah khasanah dan literasi keilmuan di bidang ekonomi Islam. Metode yang digunakan berbentuk studi kepustakaan dengan menggali sumber melalui ketersediaan kepustakaan yang membahas tentang pemikiran ekonomi Islam. Kesimpulan menunjukkan bahwa tanggung jawab Negara dalam ekonomi Islam menurut Muhammad Baqir ash Shadr adalah menjaga keseimbangan sosial dalam lingkup yang lebih komprehensif dan kolektif serta berkesinambungan. Perwujudan keseimbangan sosial tersebut khususnya harus dilakukan oleh pemerintah sebagai kepala Negara dalam mengisis ruang-ruang senjang dalam system perekonomian yang disesuaikan dengan kondisi perkembangan zaman.
Produk Kredit Pemilikan Rumah Bank Syariah Indonesia Parepare (Antara Peran Dan Risiko) Arifin, Asriadi
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 6 No 1 (2024): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v6i1.8919

Abstract

The purpose of this research is to examine the mortgage financing products (KPR) at BSI with a review of the contestation between roles and risks. The research results are expected to contribute well to the development of further research. This type of research is descriptive qualitative by explaining in a narrative manner the results of more concrete and in-depth research relating to the technical aspects of Indonesian Islamic Bank (BSI) in channeling sharia-based KPR housing finance. The research subject is the Indonesian Islamic Bank (BSI) Parepare Branch. The research results were obtained by observing and using participatory interview instruments with the Consumer Processing Head. The results of the study show that Islamic banking is faced with a dilemma between carrying out its role in creating a conducive economy nationally and at the same time responding to the needs of society collectively. Through this role, banks obtain returns in the form of profits (profitability). However, in addition to obtaining profits, banks are also faced with a higher level of risk. With it, to maintain the existence of Islamic banking, it must receive collective support from all existing stakeholders. Consideration of risk in Islamic banking must also necessitate the management of financing in banks which pays more attention to the principle of prudence with good risk management and analysis, because between profit and risk, the two have an inherent (inherent) relationship that cannot be avoided.
Edukasi dan Promosi Produk Halal (Kajian Literatur) Hamka, Hamka; Siradjuddin, Siradjuddin; Efendi, Ahmad; Arifin, Asriadi
Journal of Islamic Economic and Law (JIEL) Vol. 1 No. 1 (2024): JIEL : Journal of Islamic Economic and Law
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/jiel.v1i1.513

Abstract

The development of the world's sharia economy in the last few decades has not only made halal products an actual trend-send discourse as well as a policy reference in the local and even global sphere at this time. Indonesia is a country that has the largest Muslim population in the world, with statistics on the number of Indonesian Muslim population reaching 231.06 million people or representing 11.92% of the world's Muslim population. Estimated total spending on domestic halal products is considered to continue to grow to reach around USD 2.2 trillion. Based on the 2019/2020 State of Global Islamic Economy Report, Indonesia is now ranked 1st in the world as a consumer of halal food, 2nd in the world as a consumer of halal cosmetics, and 4th in the world as a consumer of halal medicines. To make Indonesia the mecca of world halal products, of course, one must be able to change consumptive habits to be productive. Therefore, to change these habits, several strategic actions are needed; namely promotion of halal products, education of halal products and no less important is the government improving the quality of halal product certification.
Landasan Hukum Syar’i dan Hukum Positif Halal Haram Industri Produk Halal Indonesia Efendi, Ahmad; Tawwab, M. Abdut; Siradjuddin, Siradjuddin; Arifin, Asriadi
Journal of Islamic Economic and Law (JIEL) Vol. 1 No. 1 (2024): JIEL : Journal of Islamic Economic and Law
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/jiel.v1i1.514

Abstract

This paper will discuss Islamic Law in regulating the Halal Product Industry and how positive Law supports and covers Islamic Law so that it can support the consistent and straight growth of the Halal Product Industry. The type of research used in this study is library research with a qualitative approach, namely research whose object of study uses library data in the form of books as a data source. This research was conducted by reading, studying and analyzing various existing literature, in the form of books, journals, news and research results. Of course, the references that are the main references in this research are all references related to the legal basis of syar'i, the positive legal basis of the halal industry in Indonesia. The conclusion shows that the Islamic Ummah has a position as a mediating group (ummatan wasathan), neither too right nor too left, fair and balanced according to the word of Allah SWT., in QS. Al-Baqarah: 143. Therefore, Allah SWT., that the Muslim Ummah is the best people born for humans, according to what Allah SWT said, in QS. Ali Imran: 110. There are two aspects that can be reviewed regarding the Halal and Haram Halal Product Industry in Indonesia, namely in terms of the concept of Islamic law and the basis of positive law. All aspects that underlie the Halal Product Industry in Indonesia must comply with Islamic law and be protected by legislation.
Co-Authors Abdut Tawwab, Muhammad Abubakar, Achmad Adisaputra, Trian Fisman Ahmad Efendi Budiono, I Nyoman Haddade, Hasyim Hamka Hamka, Hamka Harfiana, Fidia Irwandi Irwandi Irwandi K, Amiruddin Masnama, Masnama Muh. Ridwan Markarma Murtiadi Awaluddin Muslimin Kara nahlah, nahlah Nahlah, Nahlah Novianti, Dian Rahma Rahman Ambo Masse Ramadhani, Syamsinar Siradjuddin, Siradjuddin Tawwab, M. Abdut