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Muhammad Daud bin Mahmud
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alqashdu@iain-ternate.ac.id
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Al-Qashdu: Jurnal Ekonomi dan Keuangan Syariah
Published by Institut Agama Islam Negeri Ternate
ISSN : -     EISSN : 28095065     DOI : 10.46339/al-qashdu
Core Subject : Economy,
Economics, Econometrics & Finance
Al-Qashdu: Jurnal Ekonomi dan Keuangan Syariah merupakan jurnal ilmiah yang dikelola dan diterbitkan oleh Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Ternate. Jurnal ini memuat karya tulis ilmiah hasil penelitian yang dilakukan oleh akademisi, peneliti dan praktisi di bidang ekonomi dan keuangan islam. Jurnal ini diharapakan dapat menjadi alat informasi dan sosialisasi mengenai hasil penelitian terbarukan tentang ekonomi dan keuangan islam. Analisis Ekonomi Perbankan & Keuangan Syariah Regulasi & Stabilitas Perbankan & Keuangan Syariah Pengembangan Produk Lembaga Keuangan Syariah Akuntansi Syariah Ekonomi & Keuangan Islam Layanan Keuangan Islam Pasar Modal Islam Keuangan Mikro Islam Mode pembiayaan Islam Keuangan Sosial Islam
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 35 Documents
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PENGARUH KORUPSI DAN POLITIK TERHADAP PERTUMBUHAN EKONOMI DI INDONESIA PERSPEKTIF ISLAM Sandi Mulyadi
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 3, No 1 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46339/al-qashdu.v3i1.905

Abstract

This study aims to analyze the influence of corruption and political conditions on economic growth in Indonesia from 2000-2021 with an Islamic economic perspective. The variables examined in this study include economic growth, corruption which is explained by the proxy value of control of corruption, and politics which is proxied by the value of political stability. This study uses annual secondary data in Indonesia with a research period from 2000 to 2021 using linear regression analysis using the OLS method. The research results show that the variables of corruption and politics have an effect on economic growth. The implications of this research suggest that the Indonesian government continues to control and properly control corruption and maintain political stability so that economic growth will improve.Keywords: Corruption, Politics, Economic Growth
PENGARUH PERMODALAN RENTABILITAS DAN LIKUIDITAS TERHADAP KINERJA KEUANGAN PADA BANK PANIN DUBAI SYARIAH PERIODE 2018-2020 Rusman Azizoma; Urwatun Usko
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 3, No 1 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46339/al-qashdu.v3i1.929

Abstract

This study aimed to determine the effect of Capital Adequacy Ratio (CAR), Operating Expense to Operating Income (BOPO), and Financing to Deposit Ratio (FDR) on Return on Assets at Sharia Panin Dubai Bank from 2018-2020. This is quantitative research gathered data from secondary data where the population was the financial report uploaded on the official website of the bank. The analytical technique used is an associative analysis using the Partial Least Square 3.0 (PLS) application. The findings showed that the Capital Adequacy Ratio partially negatively and insignificantly affected the Return on Assets, Financing to Deposit Ratio partially positively and insignificantly affected the Return on Assets, and Operating Expense to Operating Income partially positively and significantly affected the Return on Assets.Keywords: Capital Adequacy Ratio (CAR); Operating Expense to Operating Income (BOPO); Financing to Deposit Ratio (FDR);  Return on Assets (RoA)
ANALISIS EKSPOSUR RISIKO REKSADANA SYARIAH DAN REKSADANA KONVENSIONAL DI INDONESIA DENGAN PENDEKATAN CAPM, MARKET TIMING ABILITY DAN DOWNSIDE RISK Mubasysyyratul Ummah Sapsuha
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 3, No 1 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46339/al-qashdu.v3i1.932

Abstract

This study was conducted to determine the risks of conventional mutual funds and sharia types of stocks in Indonesia during the period 2017-2021. Through this research, the public as potential investors, general investors, and investment managers will get information about the risk of mutual fund by comparing the results of risk, measurements of each mutual fund, considering the increasing number of mutual fund investment instruments of either type or number. The measurement methods used are capm beta value, beta market timing ability and beta downside (downside risk). The results showed that using these three measurements, the total risk exposure of Islamic mutual funds was lower than that of conventional mutual funds.
REFLEKSI NILAI-NILAI SPIRITUAL PERSPEKTIF ISLAM:DEKONSTRUKSI MENTAL AKUNTAN Hasbullah Hajar
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 3, No 1 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46339/al-qashdu.v3i1.936

Abstract

The current challenge for an accountant is to understand that accountants are not only required to know and comply with the professional code of ethics, but accountants are also required to understand the socio-spiritual accountants. If accountant was understanded about them socio-spiritual, eventually they will made spiritual values as a principle in carrying out his job. This research try to explore spiritual values, especially in the religion perspective, namely Islam. In exploring spiritual values, I found that the potential for spiritual values contained in the holy book of the Koran which is reflected in the nature and character of the Prophet Muhammad S.A.W, then this potention are probably to change the mind and mentality of accountants who have been confined by capitalism. This paper ends with the idea that a quality of a Muslim's spiritual will determine the good implementation and depth of internalization of Islamic spiritual values in carrying out his job.
ASURANSI SYARIAH: BAGAIMANA KEDEPANNYA? Riky Soleman; Ririn Dwi Aryanti; Nadia Ulfa
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 3, No 1 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46339/al-qashdu.v3i1.888

Abstract

Syarikat Takaful Indonesia (Takaful Indonesia) in 1994. The research method used in this research is literature study (Case Study) analyzing from books or various studies that have been done previously. This study aims to critically examine sharia insurance and what will happen in the future? The result of this research is that the birth of Takaful Indonesia as a holding company for PT Asuransi Takaful Keluarga and PT Asuransi Takaful Umum, the first Life and General Sharia Insurance in Indonesia, is the result of commitment and concern for various elements of the nation towards the development of the sharia economy, especially sharia insurance in Indonesia. According to OJK data, as of November 2019, sharia insurance assets against conventional insurance showed a figure of 6.17% or Rp 44.75 trillion (OJK, 2019). To improve and enhance the promotion of the sharia insurance market, support from all parties, be it the government, industry and stakeholders, especially in an effort to increase sharia insurance literacy effectively and massively through socialization of public education.Keywords: Sharia Insurance, Takaful, Life Sharia General Insurance
ANALSIS KOMPARASI KINERJA KEUANGAN BANK MEGA SYARIAH MENGGUNAKAN METODE RGEC PADA MASA SEBELUM DAN SELAMA PANDEMI COVID-19 Azizoma, Rusman; Maulida, Fauzia Nindita
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 4, No 1 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46339/al-qashdu.v4i1.1292

Abstract

The COVID-19 pandemic has had an impact on all industrial sectors in Indonesia, one of which is the sharia banking sector. During the pandemic, banking performance experienced fluctuations in terms of deposits and debt financing; Bank Mega Syariah also experienced fluctuations in financial ratios and deposits, which could have an impact on the bank's financial performance. The purpose of this study is to evaluate Bank Mega Syariah's financial results utilizing the RGEC approach both before and after the COVID-19 epidemic. This study used quantitative research using a descriptive methodology. Data was acquired through the use of documentation methods. Financial ratio analysis utilizing the RGEC method is the data analysis method employed. The findings demonstrate that Bank Mega Syariah's financial performance, as measured by the RGEC technique, was superior to its pre-COVID-19 pandemic financial performance during the pandemic-affected period. This is shown by Bank Mega Syariah's ability to continue turning in a profit despite the COVID-19 pandemic's negative impact on the business environment. This accomplishment is demonstrated by the growth in several key business metrics, which were maintained, including bank profitability, finance distribution, and Third Party Funds.Keywords: Financial Performance; Bank Health Level; RGEC Method
PENGARUH SERTIFIKASI HALAL, MOSLEM BRAND AMBASSADOR SERTA BRAND IMAGE TERHADAP KEPUTUSAN PEMBELIAN PRODUK DENGAN TINGKAT RELIGIUSITAS KONSUMEN SEBAGAI VARIABEL MODERATING Azmi, Shofi Arba'atu; Saifudin, Saifudin
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 3, No 2 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46339/al-qashdu.v3i2.1000

Abstract

The purpose of this research is to determine the influence of Halal Certification, Muslim Brand Ambassador, Brand Image on Product Purchasing Decisions with the Level of Religiosity as a Moderating Variable. The data used in this research is primary data. This data was obtained from distributing questionnaires by researchers to respondents. The samples taken were 100 respondents. The data collection technique is random sampling. The data obtained was then processed using SPSS20 tools. This research uses a quantitative type of research using multiple linear regression analysis and Moderate Regression Analysis (MRA). The results of this research indicate that the halal certification variable does not have a positive and significant effect on purchasing decisions. The Muslim brand ambassador variable has no positive and insignificant effect on purchasing decisions. Then the brand image variable has a positive and significant effect on purchasing decisions. Furthermore, the level of religiosity variable is unable to moderate the influence of halal certification on purchasing decisions. The level of religiosity is unable to moderate the influence of Muslim brand ambassadors on purchasing decisions. And finally, the level of religiosity can moderate the influence of brand image on purchasing decisions.Keywords: Halal Certification; Muslim Brand Ambassador; Brand Image; Buying decision; Level of Religiosity
ANALISIS DAMPAK PENGGUNAAN CRYPTOCURRENCY TERHADAP PERTUMBUHAN EKONOMI ISLAM DI INDONESIA Nafia, Nala Ilma; Adinugraha, Hendri Hermawan
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 4, No 1 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46339/al-qashdu.v4i1.1270

Abstract

This research aims to gain a better understanding of cryptocurrencies, including their working mechanisms and impact in economic and investment contexts. Apart from that, this research also wants to evaluate the potential consequences of the government’s lack of seriousness regarding the spread of cryptocurrency in Indonesia. The method used is a qualitative descriptive approach with normative aspects, including risk analysis and potential profits from investing in cryptocurrency. This research covers the spread of cryptocurrencies across Indonesia and the risks associated with their use. It is hoped that the results of this research will provide a deeper understanding of how cryptocurrencies work, their impact, and the role of governments in regulating their spread. Therefore, this research will provide important information for the government and society in making decisions regarding the regulation and use of cryptocurrency in Indonesia.Keywords: Cryptocurrency; Investment; Islamic Economics
PENGARUH DPK, NPF DAN ZPR TERHADAP PROFITABILITAS DENGAN FDR SEBAGAI MODERASI Sari, Winda Novita; Bawono, Anton
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 3, No 2 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46339/al-qashdu.v3i2.969

Abstract

Based on the phenomenon regarding the development of Return on Assets (ROA) in Islamic banking in Indonesia in recent years, which shows the occurrence of fluctuations in developments and descriptions of what factors influence the financial performance of Islamic banking based on existing theory, there is an inconsistency in this research, namely the use of the moderating variable, namely Financing to Deposit Ratio (FDR), to see the relationship between DPK, NPF, and ZPR on ROA. The results of this study show that DPK has a negative and significant effect on the profitability of Islamic commercial banks. Non-performance financing has a negative and insignificant effect on the profitability of Islamic commercial banks. ZPR has a negative and insignificant effect on the profitability of Islamic commercial banks. This is caused by the fact that most Islamic commercial banks payments of zakat are not yet perfect, namely 2.5% of their assets, which have reached the ratio. Or even not paying zakat at all. and for the variable financing deposit ratio, it is able to moderate the effect of DPK and NPF on the ROA of Islamic Commercial Banks. However, the financing deposit ratio variable is not able to moderate the effect of ZPR on the ROA of Islamic commercial banks. Which means FDR is not a moderating variable on the effect of ZPR on the ROA of Islamic commercial banks.Keywords: Profitability; ZPR; FDR
ANALISIS KOMPARASI KINERJA KEUANGAN BANK UMUM SYARIAH DENGAN PENDEKATAN METODE CAMEL Listriyani, Futri; Wartoyo, Wartoyo; Setiowati, Nur Eka
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 4, No 1 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46339/al-qashdu.v4i1.1282

Abstract

This study aims to compare the performance levels of two Islamic commercial banks in Indonesia, namely Bank BCA Syariah and Bank Muamalat Indonesia for the period 2018 to 2022. This study uses a method that is often used to analyze the level of performance of Islamic banking, namely the CAMEL method. The indicators in this study consist of five financial ratios, namely CAR, NPF, NPM, ROA, and FDR. This research uses quantitative methods with comparative research types. Using secondary data from financial reports published on the official website of each bank. Kolmogorov-Smirnov test is used for data normality testing and hypothesis testing using independent t-test and Mann-Whitney test. The results showed statistically significant differences in the values of CAR, NPF, ROA, and FDR in Islamic banking between Bank BCA Syariah and Bank Muamalat Indonesia, then there was no significant difference in the NPM ratio between the two banks. Based on the results described, Bank BCA Syariah has a superior average value in terms of CAR, NPF, NPM and ROA ratios compared to Bank Muamalat Indonesia. Meanwhile, the performance of Bank Muamalat Indonesia's FDR proportion is better than Bank BCA Syariah in recent years. Therefore, it can be said that Bank BCA Syariah and Bank Muamalat Indonesia have different performance.Keywords: Financial Performance; Islamic Banks; Camels Method

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