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All Journal JURNAL ILMIAH PENELITIAN MAHASISWA JURNAL RUMPUN MANAJEMEN DAN EKONOMI JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI
Andreanto Indra Pratama
Unknown Affiliation
Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Library & Information Science Mathematics Medicine & Pharmacology Social Sciences

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KEEFEKTIFAN PEMBIAYAAN DALAM LINGKUP PERBANKAN SYARIAH UNTUK MENINGKATKAN KESEJAHTERAAN DALAM PENGELOLAAN EKONOMI MENENGAH KEBAWAH Andreanto Indra Pratama; Fauzatul Laily Nisa
JURNAL ILMIAH PENELITIAN MAHASISWA Vol 2 No 3 (2024): Juni
Publisher : Kampus Akademik Publiser

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jipm.v2i3.200

Abstract

This study aims to assess the effectiveness of Islamic banking financing in improving the economic welfare of low- to middle-income communities. Using descriptive analysis methods and a quantitative approach, this research analyzes data from several Islamic banks in Indonesia. The findings of this study indicate that financing based on Sharia principles, such as murabaha, mudaraba, and musharaka, makes a significant contribution to increasing the income and welfare of financing recipients. Additionally, the study reveals that Islamic banking has great potential to empower small and medium enterprises (SMEs) through more flexible and justice-based financing schemes. The conclusion of this study emphasizes the importance of developing and enhancing access to Islamic financing to support inclusive and sustainable economic growth for low- to middle-income communities.
LITERASI KEUANGAN SYARIAH DAN PENGARUHNYA TERHADAP EKONOMI YANG AKAN DATANG Andreanto Indra Pratama; Fauzatul Laily Nisa
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 3 (2024): Juli
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v1i3.1740

Abstract

This study aims to examine the level of Islamic financial literacy among the public and analyze its impact on future economic development. Islamic financial literacy encompasses an understanding of products, principles, and financial practices that comply with Shariah law, which is becoming increasingly relevant with the growth of the global Islamic finance industry. The research methodology employed is a quantitative approach through a survey involving 500 respondents from various demographic backgrounds. The research findings indicate that the level of Islamic financial literacy among the public is still relatively low, with knowledge limited to basic products such as savings and Islamic financing. However, there is a significant positive correlation between Islamic financial literacy and financial inclusion and economic stability. Improving Islamic financial literacy is expected to increase public participation in the Islamic financial system, strengthen economic stability, and promote more inclusive economic growth in the future. This study recommends more intensive education and socialization efforts from the government, financial institutions, and educational institutions to enhance Islamic financial literacy among the public.
EQUILITAS RASIO LIKUIDITAS SEBAGAI TOLAK UKUR KINERJA KEUANGAN BANK BRI SYARIAH PERIODE 2015-2019 Andreanto Indra Pratama; Tsaqif Fadhlilhaq; Renny Oktafia
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 1 No. 1 (2024): Mei
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v1i1.83

Abstract

This progress intends to evaluate the financial work of PT bank BRI syariah. during 2015 to 2019 with a focus on liquidity aspects. The company this time is in a more accurate position in terms of calculations in secondary data. The processing and programming used is by using sampling methods and planned decisions. As for the data analysis activities that are used, namely liquidity analysis.From this decision, we can see that BRI sharia banks are on. From 2015 to 2019 when viewed from its liquidity ratio, it has a good proportion in the financial sector. This is reflected in the Quick Ratio that has met Bank Indonesia (BI) standards which are in the range of 10-20%. Banking Ratio is also considered quite good, in the range of 70-81%, where BI standard is 85 to 100%. The Loan to Deposit Ratio, which ranges from 63 to 73%, is also within the accepted limit of ≤98% in accordance with BI regulations. Meanwhile, the Loan to Asset Ratio which ranges from 56-67% indicates that the bank maintains a position lower than Bank Indonesia's regulatory limit set at more than 10%. This shows that PT Bank BRIsyariah Tbk has the ability to manage debt payments at a predetermined time, as well as has the capacity to overcome potential defaults in providing financing and providing guarantees for loans provided to customers
Co-Authors Fauzatul Laily Nisa Renny Oktafia Tsaqif Fadhlilhaq