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All Journal Adl Islamic Economic LA RIBA: Jurnal Perbankan Syariah Al-Iqtishad: Jurnal Ekonomi Syariah
Darsi Ahmadan
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Humanities Economics, Econometrics & Finance Education Social Sciences Other

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TINJAUAN FIQIH MUAMALAH TERHADAP SISTEM SIMPAN PINJAM DI BAITUL MAAL WAT TAMWIL AL-ITTIFAQIAH INDRALAYA Muhfid Akbar; Darsi Ahmadan; Hidayani
LA RIBA: Jurnal Perbankan Syariah Vol. 4 No. 2 (2023): Juni 2023
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v4i2.277

Abstract

Penelitian ini dilakukan untuk mengetahui tinjauan fiqih muamalah terhadap sistem simpan pinjam di Baitul Maal Wat Tamwil Al-Ittifaqiah Indralaya. Metode penelitian dalam penelitian ini ialah metode kualitatif. Adapun data dalam penelitian ini menggunakan data primer melalui wawancara dan data sekunder melalui studi literature. Teknik analisis data yang digunakan adalah data reduction (reduksi data) untuk merangkum data dari lapangan dan data display untuk penyajian data.Hasil dalam penelitian ini menyatakan bahwa : Baitul Maal Wat Tamwil selalu bisa untuk membantu perekonomian yang ada di masyarakat. Sehingga masyarakat bisa merasakan akan dampak positif terbantunya kebutuhan dan keperluan mereka, karena adanya Baitul Maal Wat Tamwil.
Pengaruh Indeks Saham Syariah (ISSI) Terhadap Pertumbuhan Ekonomi di Indonesia Itsnaini Chusnul Khotimah; Hairun Nisa; Darsi Ahmadan; Hidayani
ADL ISLAMIC ECONOMIC : Jurnal Kajian Ekonomi Islam Vol 5 No 2 (2024): Adl Islamic Economic: Jurnal Kajian Ekonomi Islam
Publisher : Sekolah Tinggi Ekonomi Islam Al-Furqon Prabumulih

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56644/adl.v5i2.125

Abstract

This study aims to analyze the effect of the Indonesia Sharia Stock Index (ISSI) on economic growth in Indonesia. The data used in this study are annual data from 2021 to 2023, obtained from the Indonesia Stock Exchange, the Central Statistics Agency (BPS), and the Financial Services Authority (OJK) of Indonesia. The analysis method used is simple linear regression with the help of EViews software. The dependent variable in this study is economic growth (GDP), while the independent variable is the Indonesian Sharia Stock Index (ISSI). The results showed that the Indonesian Sharia Stock Index (ISSI) had a significant and negative effect on economic growth, with the ISSI coefficient: -7.4401, which indicates a negative relationship between the Islamic Stock Index (ISSI) and economic growth in Indonesia. For every unit increase in ISSI, economic growth in Indonesia is estimated to decrease by 7.4401, assuming other variables are constant.
PENGARUH MOTIVASI MENABUNG DAN PENGETAHUAN VARIASI PRODUK BANK SYARIAH INDONESIA TERHADAP MINAT MENABUNG MAHASISWA (Studi Kasus Mahasiswa FEBI IAIQI) Mardiana Fitri; Hidayani; Darsi Ahmadan
LA RIBA: Jurnal Perbankan Syariah Vol. 4 No. 2 (2023): Juni 2023
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v4i2.273

Abstract

Tujuan Penelitian ini adalah untuk mengetahui pengaruh dan seberapa besar pengaruhnya Motivasi Menabung dan Pengetahuan Variasi Produk Bank Syariah Indonesia Terhadap Minat Menabung Mahasiswa (Sudi Kasus Mahasiswa FEBI IAIQI). Peneliti menggunakan pendekatan kuantitatif dengan teknik pengumpulan data primer berupa angket yang disebarkan kepada 78 orang responden. Teknik analisis data yang digunakan adalah regresi linear berganda menggunakan program SPSS versi 22. Hasil penelitian ini menunjukkan bahwa terdapat pengaruh signifikan antara variabel motivasi menabung (X1) terhadap minat menabung dikarenakan hasil perhitungan uji t, variabel motivasi menabung memiliki nilai thitung > ttabel yaitu 3,062 > 1,992 dengan tingkat signifikansi 0,000< 0,005, maka hal ini berarti bahwa uji hipotesis menerima H1 menolak H0. Sehingga secara parsial variabel motivasi menabung berpengaruh signifikan terhadap minat menabung. Dapat diketahui hasil analisis regresi linier berganda dalam Uji F dapat dilihat dari adjusted R square sebesar 0,637 yang menunjukkan bahwa minat menabung dipengaruhi oleh kedua variabel yaitu motivasi menabung dan pengetahuan variabel sebesar 63,7%. Sisanya yaitu 36,3% dipengaruhi variabel lain yang belum diteliti dalam penelitian ini
ANALISIS PEMBIAYAAN DALAM MENINGKATKAN KESEJAHTERAAN NASABAH PADA PNM MEKAAR SYARIAH CABANG GELUMBANG KABUPATEN MUARA ENIM Ariska Mufaridhoh; Itsnaini Chusnul Khotimah; Darsi Ahmadan
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 5 No. 02 (2024): Januari-Juni 2024
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v5i02.806

Abstract

This research was conducted to determine the financing in improving customer welfare at PNM Mekaar Syariah Gelumbang Branch Muara Enim Regency. The purpose of this research is to understand the effectiveness of financing in helping customers improve their welfare at PNM Mekaar Syariah Gelumbang Branch Muara Enim Regency. This research uses a qualitative approach that is a type of field research or field research, because the information obtained and collected through direct observation in the field and through literature review. The types of data used in this study are primary data and secondary data, while the data sources in this study were obtained from direct observation and interviews with customers. Data analysis techniques are done by data reduction, data presentation and making conclusions. The results of this study indicate that customer income increased after taking financing at PNM Mekaar Syariah Gelumbang Branch, because PNM provides various services that help customers develop their businesses. The expenses of customers who take financing at PNM have been fulfilled, including food and non-food expensess. Financing from PNM Mekaar Syariah Gelumbang Branch has not been able to fully improve the level of family education, because one customer has not met the educational needs of one of her children.The customer’s family health level has been fulfilled through financing at PNM Mekaar Syariah Gelumbang Branch, this can be seen from a healthy lifestyle, regular chek-ups and buying health products. PNM has also improved the welfare of financing customers in housing conditions and facilities owned in the household, this is supported by the results of interviews with financing customers.
Pengaruh Non Performing Financing (NPF) Terhadap Net Operating Income (NOI) Pada Bank Umum Syariah Di Indonesia Hairun Nisa; Itsnaini Chusnul Khotimah; Hidayani; Darsi Ahmadan
ADL ISLAMIC ECONOMIC : Jurnal Kajian Ekonomi Islam Vol 6 No 1 (2025): Adl Islamic Economic
Publisher : Sekolah Tinggi Ekonomi Islam Al-Furqon Prabumulih

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56644/adl.v6i1.139

Abstract

Penelitian ini bertujuan untuk mengukur bagaimana pengaruh Non Performing Financing (NPF) terhadap Net Operating Income (NOI) pada Bank Umum Syariah di Indonesia. Penelitian ini menggunakan metode penelitian kuantitatif dengan pendekatan asosiatif. Teknik pengambilan data menggunakan dokumentasi yang bersumber dari data sekunder berupa berupa laporan kinerja keuangan bank umum syariah Indonesia. Jenis data yang digunakan ialah time series berupa data bulanan tahun 2023 hingga tahun 2025. Adapun teknik pengolahan data menggunakan software Eviews dilakukan dengan teknik analisis deskriptif dan analisis regresi sederhana. Berdasarkan hasil analisis regresi yang dilakukan, dapat disimpulkan bahwa Non-Performing Financing (NPF) berpengaruh signifikan terhadap Net Operating Income (NOI) pada bank syariah. Hal ini dibuktikan melalui nilai probabilitas yang sangat kecil (0,0001), menunjukkan bahwa secara statistik, NPF memiliki hubungan yang poditif terhadap pendapatan operasional bersih.
DIGITALISASI PERKEMBANGAN WAKAF DI KALANGAN KAUM MILENIAL Ratna; Darsi Ahmadan; Hairun Nisa; Hidayani; Itsnaini Chusnul Khotimah
ADL ISLAMIC ECONOMIC : Jurnal Kajian Ekonomi Islam Vol 4 No 2 (2023): Adl Islamic Economic: Jurnal Kajian Ekonomi Islam
Publisher : Sekolah Tinggi Ekonomi Islam Al-Furqon Prabumulih

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56644/adl.v4i2.75

Abstract

This study aims to examine and analyze the development of waqf through digitalization of waqf automatically opening wider opportunities and better prospects in various fields. It is time for the millennial generation to take a more active role in the development and progress of waqf in Indonesia. It can be said that the millennial generation is the most important key for the development of waqf and the improvement of the Indonesian economy globally. Millennials have special qualities that set them apart from other circles. Millennials are very familiar with the use of communication tools, media and digital technology. His interest in reading is reduced because of his fondness for gadgets as a means of reading. His knowledge of digital media also exceeds his knowledge of books. All these tools because they were born at a time when communication device technology was developing rapidly. In today's digital economy era, computers (PCs) and the Internet are the main technologies used for various daily needs. Waqf funds or assets can be empowered to help provide good sanitation facilities in the community and provide clean water sources. If possible waqf funds can also help the weak live in an alarming stage Keywords: Waqf, Digitalisasi, Digitalisasi of Waqh
Keuangan Syariah dalam Menghadapi Resesi Global Hairun Nisa; Itsnaini Chusnul Khotimah; Hidayani; Darsi Ahmadan
ADL ISLAMIC ECONOMIC : Jurnal Kajian Ekonomi Islam Vol 5 No 1 (2024): Adl Islamic Economic: Jurnal Kajian Ekonomi Islam
Publisher : Sekolah Tinggi Ekonomi Islam Al-Furqon Prabumulih

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56644/adl.v5i1.101

Abstract

This research aims to investigate the development, role, principles and mechanisms of Sharia finance so that they can be applied in facing the global financial crisis. The research used in this research is library research, using a descriptive qualitative approach, namely data obtained from the library and then analyzed descriptively qualitatively. The results of the analysis are that global sharia financial assets have reached US$3.96 trillion in 2021. This figure has increased by 16.76% from the previous year, namely US$3.39 trillion, which indicates that the global sharia financial industry is growing more resiliently in line with the global economic recovery. Sharia economics and finance also contribute to accelerating the momentum of national economic recovery. The role of sharia financing is increasingly important to support economic growth and stability amidst increasing global uncertainty. Sharia Financial Principles are free from maysir, gharar, usury, haram and falsehood. The impacts that would arise if a recession occurs in Indonesia are: the weakening of the rupiah exchange rate, increasing unemployment, decreasing demand for Indonesian exports, weakening people's purchasing power, and increasing interest rates. Sharia finance in facing the global recession is first, increasing the independence of MSMEs in the future, secondly improving new strategies in building relationships between MSMEs and banks. Third, being able to identify the causes of recession by paying attention to financing that can affect banking health. Fourth, banking must pay attention to capital adequacy to overcome the risk of bad credit. Fifth, increase the value of profit sharing so that people are interested in saving. Key Words:Islamic Finance, global recession.
Co-Authors Ariska Mufaridhoh Hairun Nisa Hidayani Itsnaini Chusnul Khotimah Mardiana Fitri Muhfid Akbar Ratna