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Is Cryptocurrency Risky as An Investment Instrument? Analysis of Return and Risk with A Comparison of Sharia Stocks Ahmadi, Hanif
IJIBE (International Journal of Islamic Business Ethics) Vol 8, No 1 (2023): March 2023
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.8.1.40-53

Abstract

Cryptocurrency instruments show an increase in the number of investors in Indonesia, the increase in cryptocurrency investors is even bigger than the number of stock investors in the Indonesian capital market, even though stock investors also increase. The increase in stock and cryptocurrency investors is an indication that the investment climate in Indonesia is starting to improve, this must be accompanied by increased financial literacy regarding the returns and risks of an investment instrument, this research is important considering that understanding the returns and risks of an investment instrument is crucial in the decision making. The test in this study uses a descriptive statistics and independent sample t-test, if the sample does not meet the requirements of the parametric statistical test, it will use the nonparametric statistical test Mann Whitney Test, which aims to determine whether there is a difference in return and risk of cryptocurrencies and sharia stock prices for the period January 2015 to October 2021. This study finds that there are significant differences in the returns and risk of cryptocurrencies and Sharia Stocks. Based on descriptive statistics, the standard deviation of cryptocurrency returns is greater than the standard deviation of Sharia stocks, indicating that cryptocurrency risks are higher than Sharia Stocks.
Pembiayaan dan Perencanaan Keuangan Syariah sebagai Penggerak Perekonomian Umat melalui Unit Simpan Pinjam dan Usaha Kecil Desa Langensari Wonolopo Mijen Semarang Hijri Alfian, Ahmad; Ahmadi, Hanif; Khajar, Ibnu
Journal of Dedicators Community Vol 8, No 2 (2024)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jdc.v8i2.3831

Abstract

Pandemi Covid-19 selama 2 tahun terakhir membuat perekonomian mengalami gejolak yang luar biasa. Hal tersebut dapat dirasakan dari daerah pedesaaan hingga kota, seperti yang terjadi pada salah satu desa yang dapat terlihat salah satunya dari memburuknya kinerja Unit Usaha Simpan Pinjam Desa Langensari Wonolopo Mijen Semarang. Perbaikan ekonomi dimulai dari hal yang sederhana yaitu perekonomian keluarga dan usaha kecil. Perekonomian keluarga akan tercermin pada dana yang digunakan untuk konsumsi dan operasional keluarga. Pembiayaan syariah menjadi salah satu kunci alternatif solusi. Pembiayaan yang dimaksud adalah Qardhul Hasan, yaitu skema pinjaman yang diberikan kepada yang membutuhkan dengan beberapa kriteria dengan tanpa imbal jasa. Qardhul hasan dapat dijadikan solusi untuk pemenuhan kebutuhan dana eksternal bagi para ibu, anggota keluarga, dan usaha kecil. Qardhul Hasan yang tidak membutuhkan syarat administratif kompleks atau memerlukan agunan menjadi solusi yang tepat sasaran. Manfaat yang dapat dirasakan juga diharapkan akan memperkuat perekonomian Desa di era pemulihan pasca pandemic Covid-19.
PENGARUH LITERASI KEUANGAN DAN AKSES KEUANGAN TERHADAP PERTUMBUHAN UMKM BIDANG KULINER DI KOTA SEMARANG MELALUI PENDANAAN EKSTERNAL SEBAGAI VARIABEL INTERVENING Annur, Maulana Sultan Wildan Pahlevi; Ahmadi, Hanif
eCo-Buss Vol. 7 No. 3 (2025): eCo-Buss
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/eb.v7i3.2153

Abstract

UMKM memiliki kontribusi secara signifikan dalam mendorong pertumbuhan  perekonomian di Indonesia. Namun, pandemi covid-19 telah berdampak buruk bagi perekonomian global tak terkecuali bagi sektor UMKM di Indonesia, sehingga berdampak pada penurunan pendapatan, penurunan aset, dan produktivitas bagi pelaku usaha. Untuk itu penelitian ini bertujuan untuk menguji bagaimana Literasi keuangan dan Akses keuangan dapat mempengaruhi Pertumbuhan UMKM Bidang Kuliner di Kota Semarang melalui Pendanaan eksternal sebagai solusi atas permasalahan permodalan yang dimiliki oleh pelaku usaha mikro, kecil, dan menengah bidang kuliner Kota Semarang. Penelitian ini menggunakan pendekatan kuantitafif deskriptif melalui data primer dan penyebaran kuesioner kepada 100 responden pada seluruh pelaku UMKM bidang kuliner di Kota Semarang. teknik yang digunakan yaitu non-probability sampling dan purposive sampling dalam menentukan sampel penelitian. Temuan penelitian ini menunjukkan dampak positif dan signifikan pada hubungan Literasi keuangan dan Akses keuangan terhadap pertumbuhan UMKM serta Pendanaan eksternal mampu menjadi variabel intervening pada penelitian ini. Rekomendasi Pendanaan tersebut diharapkan dapat berkontribusi untuk mewujudkan solusi untuk perkembangan usaha yang berkelanjutan.
PENINGKATAN LOYALITAS KARYAWAN MELALUI MOTIVASI, LINGKUNGAN KERJA, DAN KOMPENSASI DENGAN KEPUASAN KERJA SEBAGAI VARIABEL INTERVENING Rusly, M. Asyrofar; Ahmadi, Hanif
Jurnal Ilmiah Penelitian Mahasiswa Vol 4, No 2 (2025): JUNI 2025
Publisher : Jurnal Ilmiah Sultan Agung

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

Abstract

This study aims to analyze the influence of motivation, work environment and compensation on loyalty through job satisfaction as an intervening variable at the Tofu Merpati Factory in Probolinggo City. Loyalty is seen as an important factor in determining the Company's comfort. The exogenous variables studied were motivation, work environment, and compensation, while the endogenous variables analyzed were loyalty and job satisfaction as intervening variables. The data was collected through an online questionnaire that was distributed to employees of the Tofu Merpati Factory. This study uses the explanatory research method. The results of the study showed that 1) motivation had a positive and significant effect on job satisfaction, 2) the work environment did not have a positive and significant effect on job satisfaction, 3) compensation had a positive and significant effect on job satisfaction, 4) motivation did not have a positive and significant effect on loyalty 5) the work environment did not have a positive and significant effect on loyalty, 6) compensation did not have a positive and significant effect on loyalty, and 7) job satisfaction does not have a positive and significant effect on loyalty. Keywords: Motivation, Work Environment, Compensation, Job Satisfaction, Loyalty
FINANCING DISTRIBUTION AND ITS EFFECT ON NON-PERFORMING FINANCING OF ISLAMIC BANKS Saputri, Pungky Lela; Ahmadi, Hanif
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 8 No. 2 (2022): Jurnal Alwatzikhoebillah: Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v8i2.1472

Abstract

Non-performing financing manifested in the Non-Performing Financing (NPF) ratio is a threat to the sustainability of Islamic banks. This research seeks to reveal how much financing distribution carried out by Islamic banks can have an impact on NPF through hypothesis testing. This study examines the variables of profit-sharing financing and murabahah financing to the NPF ratio of Islamic banks. Timeseries data from each of these variables is obtained from the Quarterly Financial Statements of Bank Syariah Indonesia for the period 2015 – 2022. The data were tested using multiple linear regression. The results of the study found that profit-sharing-based financing turned out to be profit-sharing-based financing able to suppress the occurrence of NPF and murabahah financing had no influence on increasing NPF.