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Journal : JIFTECH: Journal Of Islamic Financial Technology

The Effect Of Inflation Level And Bi-7 Day Repo Rate On Mudhrabah Deposits In Sharia Commercial Banks Period 2017-2019 Siregar, Budi Gautama; Izzah, Nurul; Batubara, Damri; Sari, Novita
Journal of Islamic Financial Technology Vol 1, No 1 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (640.3 KB) | DOI: 10.24952/jiftech.v1i1.5020

Abstract

This research is motivated by the Inflation Rate and Bi-7 Day Repo Rate Against Mudharbah Deposits at Islamic Commercial Banks for the 2017-2019 Period. Total assets of Islamic banking reached 5.18% of total assets nationally, Indonesia was only able to rank 9th out of 10 other Islamic countries. This study aims to determine the effect of inflation rate and bi-7 day repo rate on mudhar bah deposits . Sharia Commercial Banks for the 2017-2019 Period. The method used in this study is quantitative, with the research location at Islamic Commercial Banks. The sampling in this study uses purposive sampling with a sample of 36 samples, the data analysis technique used is multiple regression analysis with t test to see the effect partially and f-test to see the effect simultaneously, assisted by using software SPSS 22.00. The results obtained in this study indicate that based on the partial test (t test) inflation does not have a significant effect on Mudhar bah deposits while the partial test (t test) and simultaneous test (F test) are inflation variables and Bi-7 Day Repo Rate has a significant effect on the Mudhar bah deposit variable at Islamic Commercial Banks 2017-2019.Keywords: Bi-7 Day Repo Rate , Mudharabah Deposits , Inflation
The Impact of Online Loans on The Community in Sipirok Sub-District Isa, Muhammad; Siregar, Budi Gautama; Lubis, Aswadi
Journal of Islamic Financial Technology Vol 2, No 2 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i2.10361

Abstract

The discussion in this study is related to the impact of online lending. Impact on people who do online-based lenajaman. In connection with that, the approach taken is the study and theories of Islamic banking which discusses the impact, online-based loans. This research is a  field research  (direct research in the field) with a qualitative approach. The data sources used are primary data and secondary data, with data collection techniques through observation, interviews, and documentation.The results showed that the factors that cause people in Sipirok District to make  online-based loans, namely the procedure for borrowing money in online-based applications  are  easier to process and faster disbursement of money. The positive of  online-based loans for  people in Sipirok District is that the procedure for borrowing money in online-based applications is  easier to process and quickly disburse money, and their needs or emergency fund needs can be met quickly. While the negative impact is a deduction of administrative money that reaches 30% of the principal money, and an inhumane way of debt collection to consumers who are in arrears of loan installment payments.