cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
elex sarmigi
Contact Email
elexsarmigi@gmail.com
Phone
+6285382875611
Journal Mail Official
alfiddhoh@gmail.com
Editorial Address
Jl. Pelita IV, Sumur Gedang, Kec. Pesisir Bukit, Kabupaten Kerinci, Jambi 37112
Location
Kab. kerinci,
Jambi
INDONESIA
Al Fiddhoh: Journal of Banking, Insurance, and Finance
Published by Institut Agama Islam Negeri Kerinci
ISSN : 28087518     EISSN : 28087690     DOI : https://doi.org/10.32939/fdh.v3i1
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Al-Fidhoh Jurnal Perbankan, Asuransi dan Keuangan yang dikelola oleh Fakultas Ekonomi dan Bisnis IAIN Kerinci dengan scope pada bidang Perbankan, Asuransi dan Keuangan.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 51 Documents
 2   3   4   5   6 
PENGARUH DEBT TO ASSETS RATIO (DAR) DAN DEBT TO EQUITY RATIO (DER) TERHADAP RETURN ON EQUITY (ROE) Erwin Saputra Siregar; Puteri Anggi Lubis; Wahyu Toni Hidayat
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 5 No. 2 (2024): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v5i2.3012

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh Debt to Assets Ratio (DAR) dan Debt to Equity Ratio (DER) terhadap Return On Equity (ROE) pada perusahaan yang terdaftar di Jakarta Islamic Index (JII) periode 2018-2021. Metode yang digunakan dalam penelitian ini adalah dengan menggunakan metode penelitian kuantitatif. Sampel yang digunakan adalah Perusahaan yang Terdaftar di Jakarta Islamic Index (JII). Berdasarkan metode purpose sampling terdapat 9 perusahaan yang memenuhi kriteria. Hasil penelitian ini menunjukkan bahwa secara parsial Debt to Assets Ratio (DAR) tidak berpengaruh signifikan terhadap Return On Equity (ROE), sedangkan Debt to Equity Ratio (DER) memiliki pengaruh signifikan terhadap Return On Equity (ROE) pada perusahaan Jakarta Islamic Index. Penelitian ini juga menunjukkan bahwa secara simultan Debt to Assets Ratio (DAR) dan Debt to Equity Ratio (DER) berpengaruh signifikan terhadap Return On Equity (ROE) pada perusahaan Jakarta Islamic Index.Kata Kunci: Debt to Assets Ratio (DAR), Debt to Equity Ratio (DER), Return On Equity (ROE).
ANALYSIS OF PAYMENT SYSTEMS USING SHOPEE PAY-LATER REVIEWED FROM ISLAMIC ECONOMICS Indrika Aryuandri; Alek Wissalam Bustami
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 5 No. 1 (2024): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v5i1.3498

Abstract

Based on Islamic Economics studies, research was conducted to analyse the Shopee Pay-Later payment system. This research is a content analysis. The research results show that the ShopeePayLater payment details include the due date. Regarding the absence of interest at the start of implementing this shopeepaylater feature, delaying financing to the following month or buying now, pay later financing, it even mentions 0% interest. Shopee Paylater credit practices are permissible (mubah) and haram permissible (mubah) because the contract is implemented, proven by the contract agreement between the seller and the buyer at the time of carrying out the hijab and Kabul as well as the additional price on Shopee Paylater. Credit practice is considered a deferred price and prohibited because the extra price in the Shopee Pay Later credit practice is riba, and usury is prohibited in Islamic business ethics. In contrast, the Shopee Paylater credit practice applies an additional price of 2.95% for paying off bills within two, three, and six months.
REGULATORY AND LEGAL CHALLENGES OF SHARIA PEER-TO-PEER LENDING IN INDONESIA Lis Yulitasari; Tulus Suryanto; Syamsul Hilal
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 5 No. 1 (2024): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v5i1.3499

Abstract

Peer-to-peer (P2P) lending is a financial platform that connects lenders directly with borrowers without going through traditional financial intermediaries. Sharia P2P lending applies sharia principles in its transactions. Even though sharia P2P lending in Indonesia has increased in recent years, regulatory and legal challenges still hamper its growth. This research aims to analyze the regulatory and legal challenges faced by Sharia P2P lending in Indonesia and provide policy recommendations to overcome them. This research uses qualitative methods by conducting a literature review of sharia P2P lending regulations in Indonesia and in-depth interviews with regulators, sharia P2P lending practitioners, and academics. The research results show that the main challenges faced are regulatory uncertainty, the need for a Sharia legal framework for P2P lending, and the regulator's lack of understanding of the Sharia-based P2P lending business model. The proposed policy recommendations include establishing a comprehensive and integrated Sharia P2P lending regulatory framework, preparing legally binding Sharia fatwas, and increasing regulators' literacy and understanding of the digital Sharia financial sector. The policy implications of this research can provide input for regulators and practitioners in developing a healthy and sustainable Sharia P2P lending ecosystem in Indonesia.
THE ROLE OF FINANCIAL TECHNOLOGY IN PROMOTING GROWTH IN ISLAMIC FINANCE IN THE DIGITAL ERA Mutiara Eka Putri; Hanif Hanif
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 5 No. 1 (2024): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v5i1.3500

Abstract

Financial technology (fintech) has increased and can potentially drive Sharia finance's growth. This study aims to analyze fintech's role in promoting Islamic finance's growth in the digital era. The research method uses a literature study. A descriptive analysis approach involves breaking secondary data in journals, articles, and statistical reports related to the research topic. The results of this study indicate that the adoption of fintech in Sharia finance is predicted to continue to increase, driven by the millennial Muslim population. Fintech provides opportunities for Sharia financial product innovation. However, the challenges of developing Sharia fintech are significant and related to regulations, compliance risk, and human resources. Some examples of Sharia fintech platforms, such as P2P lending and equity crowdfunding, have been quite successful. The prospects for sharia fintech in Indonesia are positive with the support of digital infrastructure and the millennial Muslim population. Regulatory support is needed so that Sharia fintech is truly compliant and can drive the growth of Islamic finance. Sharia fintech has the potential to be a game changer for the development of Islamic finance in Indonesia. Comprehensive support from regulators and stakeholders can realize the optimal implementation of Sharia fintech for inclusive and sustainable Sharia finance expansion.
THE INFLUENCE OF PRODUCTS AND PROMOTIONS ON CUSTOMERS' DECISIONS TO SELECT PRODUCTS AT PT. PRUDENTIAL LIFE ASSURANCE SYARIAH IN THE SUNGAI PENUH CITY Mhd Aldino Putra; Elex Sarmigi
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 5 No. 1 (2024): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v5i1.3502

Abstract

This research aims to determine whether products and promotions influence customers' decisions to use Sharia insurance products. The location of this research is at PT. Prudential Assurance Sungai Penuh City. Data collection techniques in this research are observation, questionnaires and documentation. Meanwhile, the data analysis techniques in this research are questionnaire instrument analysis (validity and reliability), normality test, multicollinearity test, multiple linear regression, coefficient of determination test, and hypothesis testing. The subjects in this research were agents and customers of Prudential Life Assurance insurance products. The population in this study was 217 customers, while the sample was 90 customers using education insurance products in 2023. The research results prove that product variables partially significantly affect the public interest in the Prudential Life Assurance insurance product in Sungai Penuh City. Partially, the product promotion variable only significantly affects the public interest in PT. Prudential Life Assurance insurance in Sungai Penuh City. In simultaneous testing, product and promotional variables significantly affect public interest in Prudential Life Assurance insurance in Sungai Penuh City.
ISLAMIC CORPORATE GOVERNANCE AND ISLAMICITY PERFORMANCE INDEX ON FRAUD IN SHARIA COMMERCIAL BANKS Seppi Mustion; Davy Hendri; Wushi Adilla Arsy
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 5 No. 1 (2024): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v5i1.3511

Abstract

This study aims to impact Islamic corporate governance and fraud in Islamic banks. The Effect of Islamic Corporate Governance on Fraud in Islamic Commercial Banks. And Effect of Islamicity Performance Index on Fraud in Islamic Commercial Banks. This study uses quantitative methods and panel data on Islamic corporate governance variables. Islamicity Performance Index, and ICG and IPI Interaction. The results of this study The effect of positive ICG on fraud Regression Test Results The ICG variable has a coefficient of 4,377,977 and a probability of 0.015, more excellent than 0.05 based on the test. The ICG variable statistically means that the higher the ICG score, the more fraud cases increase, which results in a positive IPI influence on fraud. The results of the Regression Test Variable X1 has a coefficient of 3.536459 and a probability of 0.043, which is less than 0.05, while the variable X2 has a coefficient of -6.62755 and a probability of 0.003 is less than 0.05, which means that isn't it according to theory? If ICG and IPI increase, fraud will decrease, and Interaction Results in This Research Produce a new Variable. Regression Test Results Variable X1 has a coefficient of 17.47975 and a Probability of 0.007, which is less than 0.05, and Variable X2 has a coefficient of 4.735987 and a Probability of 0.406, which is more significant than 0.05 can be interpreted in the same direction and the Interaction Between X1, X2 ICG and IPI can be said to be Perfect that ICG Initially positive, from the ICG results, IPI becomes negative. Significantly, the higher the IPI score. An increase in ICG will reduce fraud cases.
AN APPROACH AND STRATEGY FOR INCREASING THE POTENTIAL OF PRODUCTIVE ZAKAT THROUGH SHARIA CROWDFUNDING SYSTEM AND ZAKAT ALLOCATION TO EMPOWER ROHINGYA REFUGEES IN INDONESIA Hapid Durohman; Anza Zahya Qesya
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 5 No. 1 (2024): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v5i1.3513

Abstract

The exodus of Rohingya refugees in Indonesia has occurred since 2009 until today. The Government of Indonesia has made various efforts to help the Rohingya refugees. Zakat funds have been allocated to fulfill the refugees' basic life requirements. This study employs a qualitative approach, utilizing a literature review to explore the role of zakat-system crowdfunding in collecting funds, explicitly concentrating on programs initiated by the National Zakat Agency (BAZNAS) for Rohingya refugees in Indonesia. Secondary data from prior research, diverse sources, journals, books, and the internet form the basis of this investigation, employing the triangulation technique to ensure data reliability. The findings underscore the vital role of zakat as humanitarian aid for Rohingya refugees, contributing to social justice, equilibrium, guarantees, and safety. However, the existing zakat distribution primarily addresses immediate needs, necessitating long-term empowerment programs for the refugees' independence. A proposed model introduces a crowdfunding zakat system, offering a more efficient and transparent approach to collecting and distributing zakat to those in need. Additionally, the study presents an Integrated Zakat and Waqf Model for Refugees (IZWMR), amalgamating institutional and individual donations into a charity pooling fund. This model prioritizes basic needs fulfillment, entrepreneurship training, and microenterprise development, with cash waqf playing a crucial role in subsidizing profit margins and invigorating refugee businesses. Ultimately, these proposed models aim to elevate the welfare of Rohingya refugees in Indonesia, not only providing immediate relief but also empowering them with the tools for self-sufficiency and independence.
PENGARUH TABUNGAN WADIAH DAN GIRO WADIAH TERHADAP LABA BERSIH PADA BANK BJB SYARIAH PERIODE 2020-2022 Yuaffa Sholawati; Toto Suharto
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 5 No. 2 (2024): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v5i2.3560

Abstract

ABSTRACT This research was conducted to determine whether or not there is an effect of wadiah savings and wadiah demand deposits on net income at Bank BJB Syariah for the period 2020 - 2022. The type of research used in this study using quantitative research with secondary data and purposive sampling techniques. In this study, the sample data used was 36 months, the data were wadiah savings, wadiah current accounts and net profit of BJB Syariah bank for the period 2020 - 2022 which were sourced from the financial statement data of BJB Syariah bank. The data analysis technique used in this research is descriptive statistical test, classical assumption test, multiple linear regression test, determination coefficient test and hypothesis testing using SPSS Version 25. The results of this study indicate that the wadiah savings variable has a positive and significant effect on net profit with a positive regression coefficient value of 0.231. However, the wadiah current account variable has a negative and insignificant effect on net profit with a negative regression coefficient value of -0.231. negative regression coefficient value of -0.070. While there is positive and significant effect of the independent variable or both independent variables on net profit with a regression coefficient value of -0.070. independent variables on net income with a coefficient of determination of 0.761. ABSTRAK Penelitian ini dilakukan untuk mengetahui ada atau tidaknya pengaruh tabungan wadiah dan giro wadiah terhadap laba bersih pada Bank BJB Syariah periode 2020 – 2022. Jenis penelitian yang digunakan pada penelitian ini dengan menggunakan penelitian kuantitatif dengan data sekunder dan teknik pengambilan sampling secara purposive sampling. Dalam penelitian ini sampel data yang digunakan sebanyak 36 bulan, data tersebut yaitu tabungan wadiah, giro wadiah dan laba bersih bank BJB Syariah periode 2020 – 2022 yang bersumber dari data laporan keuangan bank BJB Syariah. Teknik analisis data yang digunakan penelitian ini adalah uji statistik deskriptif, uji asumsi klasik, uji regresi linear berganda, uji koefisien determinasi dan uji hipotesis dengan menggunakan SPSS Versi 25. Hasil dari penelitian ini menunjukan bahwa variabel tabungan wadiah berpengaruh positif dan signifikan terhadap laba bersih dengan nilai koefisien regresi bertanda positif sebesar 0,231. Namun pada variabel giro wadiah berpengaruh negatif dan tidak signifikan terhadap laba bersih dengan nilai koefisien regresi bertanda negatif sebesar -0,070. Sementara terdapat pengaruh positif dan signifikan dari variabel independen atau kedua variabel bebas terhadap laba bersih dengan nilai koefisien determinasi sebesar 0,761.
PENGARUH KELAYAKAN USAHA DAN NILAI JAMINAN TERHADAP KEPUTUSAN PEMBERIAN PEMBIAYAAN BANK SYARIAH INDONESIA KCP MAJALENGKA JATIWANGI Helma Tiana; Eef Saefulloh; Abdus Salam Dz
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 5 No. 2 (2024): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v5i2.3563

Abstract

ABSTRACT This study aims to determine the effect of business feasibility and collateral value on financing decisions at Bank Syariah Indonesia KCP Majalengka Jatiwangi. The population used in this study were all customers who had applied for financing at BSI KCP Majalengka Jatiwangi. The sampling technique was carried out using probability sampling and simple random sampling methods. So it is known that the sample in this study amounted to 89 respondents. The analysis method used is quantitative method. The data analysis method uses the research instrument test method, classical assumption test, multiple linear analysis, hypothesis testing (t test and f test), coefficient of determination using the help of IBM Stastistic SPSS software version 25. The results showed that the business feasibility variable had a positive and significant effect on the decision to provide financing as evidenced by the regression coefficient value of 0.535. The guarantee value has a positive and significant effect on the decision to grant financing as evidenced by the regression coefficient value of 0.842. Meanwhile, the variables of business feasibility and collateral value have a positive and significant effect on the decision to grant financing of 0.414. ABSTRAK Penelitian ini bertujuan untuk mengetahui Pengaruh Kelayakan Usaha dan Nilai Jaminan Terhadap Keputusan Pemberian Pembiayaan di Bank Syariah Indonesia KCP Majalengka Jatiwangi. Populasi yang digunakan dalam penelitian ini adalah seluruh nasabah yang pernah mengajukan pembiayaan di BSI KCP Majalengka Jatiwangi. Teknik pengambilan sampel dilakukan dengan metode probability sampling dan simple random sampling. Sehingga diketahui sampel dalam penelitian ini berjumlah 89 responden. Metode analisis yang digunakan adalah metode kuantitatif. Metode analisis data menggunakan metode uji instrument penelitian, Uji asumsi klasik, Analilis linier berganda, Uji hipotesis (uji t dan uji f), Koefisien determinasi menggunakan bantuan software IBM Stastistic SPSS versi 25. Hasil penelitian menunjukkan bahwa variabel kelayakan usaha berpengaruh positif dan signifikan terhadap keputusan pemberian pembiayaan dibuktikan dengan nilai koefisien regresi yaitu sebesar 0,535. Nilai jaminan berpengaruh positif dan signifikan terhadap keputusan pemberian pembiayaan dibuktikan dengan nilai koefisien regresi yaitu sebesar 0,842. Sedangkan pada variabel kelayakan usah dan nilai jaminan bepengaruh positif dan signifikan terhadap keputusan pemberian pembiayaan sebesar 0,414.
PENGARUH EFEKTIVITAS DAN EFISIENSI TERHADAP MINAT MENGGUNAKAN QRIS BRI SEBAGAI SITEM PEMBAYARAN DIGITAL PADA UMKM DI KOTA SUNGAI PENUH Bunga Permata Yeza; Yuserizal Bustami; Dafiar Syarif
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 5 No. 2 (2024): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v5i2.3647

Abstract

ABSTRAK Penelitian ini bertujuan untuk mengetahui pengaruh secara parsial dan simultan efektivitas dan efisiensi terhadap minat menggunakan QRIS BRI sebagai sistem pembayaran digital pada umkm di kota sungai penuh. Jenis penelitian ini adalah penelitian kuantitatif. objek penelitian adalah pedagang UMKM di Kota Sungai Penuh sebanyak 50 responden. Teknik pengumpulan data yang yang dilakukan menggunakan kuisioner. Metode analisi data yang digunakan adalah analisis rgresi linear berganda, uji t dan f dan koefisien determinasi. Hasil penelitian ini menunjukkan bahwa 1). Secara parsial variabel efektivitas beerpengaruh terhadap minat menggunakan dengan nilai thitung 2,276 > ttabel 2.012 dan signifikansi sebesar 0,0008 < 0,050. 2). Secara parsial variabel efisiensi tidak berpengaruh terhadap minat menggunakan dengan nilai thitung 1,383 < ttabel 2,012 dan nilai signifikansi sebesar 0,173 > 0,050. Secara simultan variabel efektivitas dan efisiensi berpengaruh terhadap minat menggunakan dengan nilai fhitung 16,914 > ftabel 2, 80. Dan nilai signifikansi sebesar0,000 < 0,050 Kata Kunci : Efektivitas ,Efisiensi, Pembayaran Digital, Qris

Page 4 of 6 | Total Record : 51

 2   3   4   5   6 

Filter by Year

2021 2025


Reset
Filter By Issues
All Issue Vol. 6 No. 1 (2025): Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 5 No. 2 (2024): Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 5 No. 1 (2024): Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 4 No. 2 (2023): Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 4 No. 1 (2023): Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 3 No. 2 (2022): Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 3 No. 1 (2022): Al-Fiddhoh FEBI IAIN Kerinci: E-Journal of Banking, Insurance, and Finance Vol. 2 No. 2 (2021): Al-Fiddhoh: Journal of Banking, Insurance, and Finance