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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal EMT KITA E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Jurnal Ekonomi Manajemen Sistem Informasi International Journal of Economics Development Research (IJEDR) SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL Community Development Journal: Jurnal Pengabdian Masyarakat International Journal of Educational Review, Law And Social Sciences (IJERLAS) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Jurnal Minfo Polgan (JMP) Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat Eastasouth Journal of Effective Community Services The Es Accounting and Finance West Science Social and Humanities Studies IIJSE Majority Science Journal JER PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) Oikonomia : Journal of Management Economics and Accounting Archipel: Journal of Indonesian Interdisciplinary Studies Jurnal Pemberdayaan Kepada Masyarakat
Afrizal Afrizal
Sekolah Tinggi Ilmu Ekonomi Eka Prasetya
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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Studi Literatur Kritis Risiko Reputasi pada Manajemen Risiko Perbankan Syariah Afrizal; Saparuddin Siregar; Sugianto
Jurnal EMT KITA Vol 6 No 1 (2022): JANUARY-JUNE 2022
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v6i1.548

Abstract

Reputation is the most important intangible asset owned by a bank. Reputation reflects the success of the bank in meeting the expectations of various stakeholders. Creating reputation is a key element of organizational strategy, especially banking. Any important issues related to the operations of Islamic banks, whether in terms of non-compliance with Sharia financial products or customer complaints, can damage the reputation of Sharia banks. This study aims to analyze the determinants of reputation risk and its impact on Islamic banking and how to implement reputation risk management in Islamic banking. This study uses a literature study approach to answer the research objectives, while the analytical technique used in this study is content analysis. Thus, Islamic banks are expected to pay more attention to reputation risk management.
Islamic Monetary Instruments Contribution to Economic Growth: Literature Study Juliana Nasution; Andri Soemitra; Rifki Ismal; Amin Al Jawi; M.Indra Mulia Nasution; Afrizal Afrizal
E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Vol 22, No 2 (2021): Volume 22, Nomor 2, Oktober 2021
Publisher : Faculty of Economics and Business, Universitas Malikussaleh

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (460.787 KB) | DOI: 10.29103/e-mabis.v22i2.690

Abstract

In Islamic economics, the monetary sector and the real sector must be able to go side by side. Even the monetary sector must follow developments for the real sector. The goal of Islamic economics is the creation of economic justice through equitable distribution of income, one of which is seen from the growth of the real sector, which is a representation of the level of productivity and welfare of the community. This is directly related to the business world. Therefore, when the level of community productivity increases, it will aggregately affect economic growth. On the other hand, one of the monetary instruments in Islamic economics is Islamic banking. This means that the increasing performance of Islamic banking must be in line with the increase of the real sector. The purpose of this study is to analyze the contribution of increasing Islamic banking performance to economic growth through a literature study related to a qualitative approach, where the collected literature is analyzed by content analysis and the data is triangulated to make a conclusion. The findings of this study indicate that Islamic monetary instruments in the Islamic banking case contribute to economic growth through an increase from the real sector
Analisis Terhadap Cryptocurrency (Perspektif Mata Uang, Hukum, Ekonomi Dan Syariah) Afrizal Afrizal; Marliyah Marliyah; Fuadi Fuadi
E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Vol 22, No 2 (2021): Volume 22, Nomor 2, Oktober 2021
Publisher : Faculty of Economics and Business, Universitas Malikussaleh

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (671.779 KB) | DOI: 10.29103/e-mabis.v22i2.689

Abstract

The purpose of this study is to analyze cryptocurrencies based on the characteristics of money, legal perspective, economic perspective and sharia perspective. In this study, the methodology used is descriptive with a qualitative approach. The results show that in this case cryptocurrency can be accepted as money (from the perspective of money characteristics), cryptocurrency does not meet the criteria as a currency (currency perspective), cryptocurrency does not fully fulfill the function of currency (economic perspective), cryptocurrency is not a legal currency in Indonesia. (legal perspective) and the existence of two scholars' opinions (accept and prohibit) regarding cryptocurrency (sharia perspective)
Pemberdayaan Pelaku UMKM Dalam Rangka Meningkatkan Kelangsungan dan Mengembangkan Usaha Bakmie Purnama Muh. Aniar Hari Swasono; Rizal Bakti; Yusniar Yusniar; Montaris Silaen; Afrizal Afrizal
Eastasouth Journal of Effective Community Services Vol 2 No 01 (2023): Eastasouth journal of Effective Community Services (EJECS)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/ejecs.v2i01.141

Abstract

Pengabdian ini fokus pada upaya pemberdayaan pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) dalam konteks pengembangan bisnis Bakmie Purnama. Tujuan utama dari Pengabdian ini adalah untuk menganalisis strategi pemberdayaan yang diterapkan untuk meningkatkan kelangsungan dan pengembangan usaha Bakmie Purnama. Metode Pengabdian melibatkan wawancara mendalam dengan pemilik usaha, analisis data kualitatif, serta pengamatan langsung terhadap operasional usaha. Melalui program pemberdayaan yang terfokus, termasuk pelatihan keterampilan, bimbingan pengelolaan usaha, serta dukungan dalam hal pemasaran dan pengembangan produk, Pengabdian ini menunjukkan bahwa pelaku UMKM Bakmie Purnama mampu mengatasi berbagai tantangan bisnis dan meningkatkan daya saing mereka di pasar. Hasil analisis menunjukkan peningkatan dalam efisiensi operasional, kualitas produk, dan efektivitas pemasaran. Hasil Pengabdian ini memberikan pandangan mendalam tentang pentingnya pemberdayaan pelaku UMKM dalam menghadapi persaingan bisnis yang semakin kompleks. Pengalaman Bakmie Purnama menjadi contoh nyata tentang bagaimana kombinasi strategi pemberdayaan dan upaya pengembangan dapat memengaruhi pertumbuhan bisnis yang berkelanjutan dan menguntungkan.
The Effect of Artificial Intelligence Adoption, Machine Learning, and AI Ethics on Product Innovation in Start-ups in Bogor Afrizal Afrizal; Hildawati Hildawati; Sehan Rifky; Arnes Yuli Vandika
West Science Social and Humanities Studies Vol. 2 No. 05 (2024): West Science Social and Humanities Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsshs.v2i05.906

Abstract

This research investigates the influence of artificial intelligence (AI) adoption, machine learning (ML) integration, and AI ethics on product innovation within Bogor's startup ecosystem. A quantitative approach was employed, collecting data through an online survey from 180 startups. Structural equation modeling with Partial Least Squares (PLS) 3 was utilized for data analysis. The results reveal significant positive relationships between AI adoption, ML integration, AI ethics, and product innovation. AI adoption and ML integration positively impact product innovation, while adherence to ethical AI practices also plays a crucial role. These findings highlight the importance of leveraging AI technologies responsibly and ethically to drive innovation within startup ecosystems. Policymakers, entrepreneurs, investors, and other stakeholders can utilize these insights to foster a conducive environment for sustainable growth and innovation in Bogor's startup community.
The Impact of Data Volume and Analytical Complexity in Big Data Technology on Financial Performance Prediction in Financial Companies in Indonesia Tanti Widia Nurdiani; M. Anas; Afrizal Afrizal; Indra Sulistiana
The Es Accounting And Finance Vol. 2 No. 01 (2023): The Es Accounting And Finance (ESAF)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/esaf.v2i01.155

Abstract

This quantitative research explores the intricate relationship between data volume, analytical complexity, and their combined impact on financial performance prediction across 25 Indonesian financial companies. This study utilizes multiple regression analysis and statistical techniques using IBM SPSS Statistics version 26 to uncover the dynamics at play. The findings show that data volume and analysis complexity have a significant and positive role in improving financial performance prediction. The symbiotic relationship between these factors underscores the importance of adopting a holistic approach to data management and analysis. The results of this study have profound implications for financial professionals, data scientists, and decision makers, as it provides a roadmap for utilizing Big Data technology for more accurate and informed decision making in the Indonesian financial sector.
STUDI LITERATUR ISLAMIC FINTECH Afrizal, Afrizal
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 10 │ No. 1 │ 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v10i1.10852

Abstract

This study aims to analyze the development of Islamic fintech and its role in Islamic finance from various literatures, especially journal articles of international repute and indexed by Scopus. This research is a type of qualitative-descriptive research with a literature study approach. The literature study was carried out by collecting journal articles that were in accordance with the research objectives using the Publish or Perish (PoP) application, then content analysis was carried out. Content analysis is an analytical method by trying to find out the content and intent of a text to produce an objective description. The results of the study show several findings, namely: first, the research topic is divided into three main topics, namely first, market analysis on what factors influence a customer to use or not use fintech, second, the impact of fintech on the economy, and third, fintech implementation. in various fields of the economy.
Covid-19 Challenges and the Role of Islamic Fintech: A Literature Review Afrizal, Afrizal
PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) Vol. 1 (2022): 2023 Global Economy and Business Recovery Strategy
Publisher : Sekolah Tinggi Ilmu Ekonomi Eka Prasetya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47663/ibec.v1i1.302

Abstract

This study aims to conduct a review of Islamic Fintech research development from 2020 to 2022 related to the Coronavirus Disease 2019 (COVID-19) and the role of Islamic fintech. This research is a qualitative-descriptive study utilizing a literature review approach. The literature review was conducted by collecting journal articles relevant to the research objectives using the Publish or Perish (PoP) application, followed by content analysis using the Scopus database. The content analysis identifies two related streams concerning Covid-19 challenges and the role of Islamic Fintech. In detail, Islamic fintech and distributed ledger technology (Blockchain, 1 article) and financial inclusion (6 articles). By conducting a content analysis on each stream, we reveal that the cointegration of Fintech in Islamic finance has enormous potential in elevating socio-economic development, particularly for the underdeveloped community, unbanked people, and micro-small enterprises (MSEs) In addition, the adoption of fintech in Islamic finance will support the government in improving financial inclusion, conquering financial crises, such as COVID-19's crisis.
PELATIHAN LITERASI KEUANGAN: PERENCANAAN KEUANGAN UNTUK SISWA SMA DHARMA BAKTI LUBUK PAKAM Afrizal, Afrizal; Herlambang, Albert; Rezeki, Sri; Sinaga, Hommy Dorthy Ellyany; Loo, Petrus; Tiofanny, Claudie
Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat Vol 5, No 1 (2025): April 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jpstm.v5i1.3090

Abstract

Abstract: In today's digital era, financial literacy has become a crucial skill for the younger generation, especially high school students, to manage their finances effectively and responsibly. This enables them to handle their finances wisely and avoid harmful financial risks. This article discusses the implementation of a financial literacy training held at SMA Dharma Bakti Lubuk Pakam on March 8, 2025, attended by 59 selected students, the results obtained, and recommendations for sustainable financial literacy development within the school environment. The training focused on two main topics: financial planning and understanding online loans. The training aimed to enhance students' knowledge and skills in managing personal finances as well as recognizing the risks and mechanisms of online loans, which are prevalent among teenagers. The training methods included interactive lectures and individual case studies. Keywords: Financial Literacy; Online Loans; Financial Planning; Financial Education; Digital Finance. Abstrak: Di era digital saat ini, literasi keuangan telah menjadi keterampilan yang sangat penting bagi generasi muda khususnya siswa Sekolah Menengah Atas (SMA) untuk mengelola keuangan mereka secara efektif dan bertanggung jawab agar mampu mengelola keuangan secara bijak dan terhindar dari risiko finansial yang merugikan. Artikel ini membahas pelaksanaan pelatihan literasi keuangan yang diadakan di SMA Dharma Bakti Lubuk Pakam pada tanggal 08 Maret 2025, yang diikuti oleh 59 siswa terpilih hasil yang diperoleh, serta rekomendasi untuk pengembangan literasi keuangan yang berkelanjutan di lingkungan sekolah. Pelatihan ini menitikberatkan pada dua topik utama, yaitu perencanaan keuangan dan pemahaman pinjaman online. Pelatihan ini bertujuan untuk meningkatkan pengetahuan dan keterampilan siswa dalam mengelola keuangan pribadi serta mengenali risiko dan mekanisme pinjaman online yang marak di kalangan remaja. Metode pelatihan meliputi ceramah interaktif, dan studi kasus individu. Kata Kunci: Literasi Keuangan; Pinjaman Online; Perencanaan Keuangan; Edukasi Keuangan; Keuangan Digital.
The Effect of Artificial Intelligence Adoption, Machine Learning, and AI Ethics on Product Innovation in Start-ups in Bogor Afrizal, Afrizal; Hildawati, Hildawati; Rifky , Sehan; Vandika, Arnes Yuli
West Science Social and Humanities Studies Vol. 2 No. 05 (2024): West Science Social and Humanities Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsshs.v2i05.906

Abstract

This research investigates the influence of artificial intelligence (AI) adoption, machine learning (ML) integration, and AI ethics on product innovation within Bogor's startup ecosystem. A quantitative approach was employed, collecting data through an online survey from 180 startups. Structural equation modeling with Partial Least Squares (PLS) 3 was utilized for data analysis. The results reveal significant positive relationships between AI adoption, ML integration, AI ethics, and product innovation. AI adoption and ML integration positively impact product innovation, while adherence to ethical AI practices also plays a crucial role. These findings highlight the importance of leveraging AI technologies responsibly and ethically to drive innovation within startup ecosystems. Policymakers, entrepreneurs, investors, and other stakeholders can utilize these insights to foster a conducive environment for sustainable growth and innovation in Bogor's startup community.
Co-Authors Acep Fatchuroji Ainil Mardiah Ainun Wulandari Al Munawar Al Munawar Alda Claudia Sagala Alfiana Alfiana Amin Al Jawi Andri Soemitra Arief Fahmi Lubis Arnes Yuli Vandika Bakti, Rizal Carine Carissa Emily Wijaya Claudie Tiofanny Debi Masri Dedi Lazuardi Desma Erica Maryati Manik Dian Widyantini Earvin John Medina Eka Nurlina Elisabeth Nainggolan Elisabeth Nainggolan Farah Juniati Meutianingrum Fisy Amalia Friend Zakharia Fuadi Fuadi Fuadi Fuadi Helmi Ali Herlambang, Albert Hildawati Hildawati Hildawati, Hildawati Ihdina Gustina Indra Sulistiana Jennifer Tantri Jessa Labitad Juliana Nasution Jupert Jasser Abellana Kelvin Lie Lisa Elianti Nasution Lisa Elianti Nasution Lisa Elianti Nasution LISTIANA SRI MULATSIH M. Anas M. Shabri Abd. Majid M.Indra Mulia Nasution Manik, Desma Erica Maryati Marliyah Marliyah, Marliyah Melissa Mangali Melissa Mangali Montaris Silaen Muammar Rinaldi Muh. Aniar Hari Swasono Muhammad Hafiz Abd.Rashid Muhammad Sabir Nasution, Lisa Elianti Nazrantika Sunarto Nuryadin Nuryadin Padila Dwi Kusuma Petrus Loo Phan Bao Giang Rabel Catayoc Rieneke Ryke Kalalo Rifki Ismal Rifky , Sehan Rita Handayani, Rita Rivaldo Rivaldo Romualdus Antonius Geli Koten Rosmaria Rosmaria Sagala, Alda Claudia Saparuddin Siregar Sehan Rifky Shenny Angelina Sinaga, Hommy Dorthy Ellyany Sipnarong Kanchanawongpaisan Sri Rezeki Sri Rezeki Sri Rezeki Stiven Jerry Immanuel Hutabarat Sugianto Sugianto Syahriyal Syahriyal Tanti Widia Nurdiani Tiofanny, Claudie Yusniar Yusniar