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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 64 Documents
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PENGARUH JUMLAH KANTOR, TINGKAT IMBAL HASIL, DAN PEMBIAYAAN BERMASALAH TERHADAP PERTUMBUHAN DEPOSITO MUDHARABAH PADA BANK UMUM SYARIAH TAHUN 2019-2023 Fatmah; Ayus Ahmad Yusuf; Layaman,
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 6 No. 1 (2025): 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.v6i1.4964

Abstract

ABSTRAK Penelitian ini bertujuan untuk menganalisis pengaruh jumlah kantor, tingkat imbal hasil, dan pembiayaan bermasalah terhadap pertumbuhan deposito mudharabah pada bank umum syariah tahun 2019-2023. Pendekatan kuantitatif digunakan dengan menggunakan data sekunder yang diperoleh dari laporan keuangan bank umum syariah dan publikasi resmi dari Otoritas Jasa Keuangan (OJK). Sampel penelitian terdiri dari 7 bank umum syariah yang ada di Indonesia. Hasil penelitian menunjukkan bahwa jumlah kantor berpengaruh positif secara signifikan terhadap pertumbuhan deposito mudharabah, yang mengindikasikan bahwa aksesibilitas yang lebih luas dapat meningkatkan penghimpunan dana. Sementara itu, tingkat imbal hasil tidak berpengaruh signifikan terhadap pertumbuhan deposito mudharabah, karena deposito mudharabah bukan satu-satunya sumber dana bagi bank syariah dalam bentuk investasi yang menggunakan imbal hasil. Selain itu, pembiayaan bermasalah berpengaruh negatif secara signifikan terhadap pertumbuhan deposito mudharabah, karena meningkatnya risiko dapat menurunkan tingkat kepercayaan nasabah. Kata kunci: Deposito, Kantor, Imbal Hasil, Pembiayaan Bermasalah.
ANALISIS EKSISTENSI PRODUK INVESTASI SYARIAH DALAM PLATFORM FINTECH DI INDONESIA Avissa, Avrilia Aurelia; Hafizd, Jefik Zulfikar; Alam, Wahyu Bahrul; Jaelani, Ammar Ibnu; Wadud, Abdul Muiz Abdul
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 6 No. 2 (2025): 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.v6i2.5162

Abstract

ABSTRACT Financial technology (fintech) has revolutionized the financial sector as a whole. This technological innovation allows people to access financial services more easily and quickly, one of which is through sharia-based digital investment. This study aims to determine sharia investment products in the fintech platform, the legal basis for technology-based sharia investment (fintech), and the opportunities and challenges of technology-based sharia investment products (fintech) in Indonesia. The method used in this study is a descriptive method by applying a qualitative approach. The results of this study show that sharia investment products available on digital platforms include several financial instruments such as sharia stocks available on the Ajaib platform, sharia mutual funds available on the Bareksa platform, and sukuk (sharia bonds) available on the Investree platform. In running its operational system, the legal basis used in technology-based sharia investment products is POJK Number 77 of 2016 concerning Information Technology-Based Money Lending Services, PBI Number 19 of 2017 concerning Financial Technology Providers, and DSN-MUI fatwa Number 117/DSN-MUI/II/2018 concerning Information Technology-Based Financing Services based on Sharia Principles. As a new innovation, technology-based sharia investment products have several opportunities and challenges in their implementation. These opportunities include wide accessibility, operational cost efficiency, and conditions where the majority of Indonesia's population is Muslim. The challenges faced are the absence of clear and comprehensive regulations, public knowledge about sharia transaction contracts and sharia fintech operational mechanisms that are still minimal, and limited internet access and digital infrastructure.
ANALISIS PERSEPSI NASABAH TERHADAP PEMBIAYAAN MUSYARAKAH DI BMT ALFA DIRHAM MANDIRI DUKUPUNTANG Istighfarah, Istighfarah; Wartoyo , Wartoyo; Saefulloh , Eef
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 6 No. 2 (2025): 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.v6i2.5420

Abstract

ABSTRACT The research was conducted with the aim of analyzing customer perceptions and the factors that influence them towards musyarakah financing provided by BMT Alfa Dirham Mandiri Dukupuntang and the efforts made to improve the quality of musyarakah financing. This study uses a qualitative approach with the Field Research method through the collection of primary and secondary data. The results of this study show that customer perceptions of musyarakah financing at BMT Alfa Dirham Mandiri Dukupuntang received a positive response. Customer perceptions are influenced by product or service quality, effective communication, personal experience, cultural or social factors, perceptions of belief, perceptions of security, targets and situations, and perceptions of sharia compliance. And efforts made to improve the quality of profit-sharing financing have several strategies, namely: Educating Customers, Promotion and Socialization (This is used in marketing strategies); Then the strategy used to improve its quality is to use Transparency to customers, Prioritizing customers who have businesses that have been running for more than 3 months, Ease of application process, Communicating well with customers. Keywords: Peception, Musyarakah Financing, BMT ABSTRAK Penelitian dilakukan dengan tujuan untuk ntuk menganalisis persepsi nasabah dan faktor-faktor yang mempengaruhinya terhadap pembiayaan musyarakah yang diberikan oleh BMT Alfa Dirham Mandiri Dukupuntang dan upaya yang dilakukan dalam meningkatkan kualitas pembiayaan musyarakah. Penelitian ini menggunakan pendekatan kualitatif dengan metode Field Research melalui pengumpulan data primer dan data sekunder. Hasil penelitian ini bahwa persepsi nasabah terhadap pembiayaan musyarakah di BMT Alfa Dirham Mandiri Dukupuntang mendapatkan respon yang positif. Persepsi nasabah dipengaruhi oleh kualiatas produk atau layanan, komunikasi yang efektif, pengalaman pribadi, faktor budaya atau sosial, persepsi keyakinan, persepsi keamanan, target dan situasi, dan persepsi kepatuhan syariah. Dan upaya yang dilakukan dalam meningkatkan kualitas pembiayaan bagi hasil memiliki beberapa strategi, yaitu: Mengedukasi Nasabah, Promosi dan Sosialisasi (Hal itu digunakan dalam strategi pemasaran); Lalu strategi yang digunakan untuk meningkatkan kualitasnya yaitu menggunakan Transparansi kepada nasabah, Mendahulukan nasabah yang memiliki usaha sudah berjalan lebih dari 3 bulan, Kemudahan dalam proses pengajuan, Berkomunikasi yang baik dengan nasabah.. Kata Kunci : Persepsi, Pembiayaan Musyarakah, BMT
THE IMAGE OF ISLAMIC HIGHER EDUCATION REVIEWED FROM PROMOTIONS AND TUITION FEES AS WELL AS ITS IMPLICATIONS FOR COLLEGE DECISIONS Sarmigi, Elex; Mahabbati, Suci; Tila, Marda
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 6 No. 2 (2025): 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.v6i2.5830

Abstract

This research was conducted to determine how interested parents of high school students in Kerinci Regency and Sungai Penuh City are in choosing an Islamic college for their children's further studies. The factors tested in this research are the image of Islamic universities, promotions, and tuition fees. The sample for this research was 227 respondents. Data was collected using a questionnaire. Data analysis uses the Structural Equation Model (SEM) approach with the help of the SmartPLS 2.3.9 application. The results of this research show that promotions and tuition fees have a positive and significant effect on the image of Islamic universities and influence the interest of students' parents in recommending Islamic universities to their children to continue their studies. The image of Islamic higher education mediates the relationship between promotion and tuition fees in the Decision to choose an Islamic higher education institution. The type of mediation effect is partial mediation.
GOOD AMIL GOVERNANCE: STANDAR AKUNTABILITAS UNTUK LEMBAGA ZAKAT TERINTEGRASI Romi, Muhammad; Sepdiana, Nana; Mukhlis, Mukhlis
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 6 No. 2 (2025): 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.v6i2.5995

Abstract

Professional, transparent, and accountable zakat management is an urgent necessity to address public trust challenges toward zakat institutions. This makes the implementation of Good Amil Governance important to study, given its role in strengthening institutional legitimacy and the effectiveness of zakat distribution. This research aims to analyze the implementation of Good Amil Governance in zakat institutions in Indonesia and to examine accountability standards that support integrated governance. The research method employed is a literature study with a descriptive qualitative approach, reviewing regulations, previous studies, and governance practices in zakat management organizations. The findings indicate that the implementation of Good Amil Governance has shown significant progress, particularly in transparency, accountability, and professional management, although its consistency varies across institutions. The quality of amil human resources is proven to be a key factor in realizing good governance. Furthermore, zakat accountability standards encompass vertical dimensions (sharia compliance) and horizontal dimensions (public trust), supported by digital technology though not yet evenly applied. The implications highlight the importance of regulatory harmonization, integrated reporting systems, and strengthening amil capacity to enhance public trust, expand global philanthropic networks, and position zakat institutions as agents of social justice in sustainable development.
PENGARUH FINANCIAL DISTRESS DAN RASIO KEUANGAN TERHADAP HARGA SAHAM SYARIAH DI INDONESIA Yuliawati, Yuliawati; Wulandari, Arbiana Putri
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 6 No. 2 (2025): 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.v6i2.6015

Abstract

ABSTRACT Sharia shares are an investment instrument that has market opportunities and quite large development potential in Indonesia because it is a country with the largest Muslim population in the world. This research analyzes financial distress and its influence on financial ratios on sharia stocks in Indonesia. The proxy used in calculating financial distress is using the Modified Altman Z-Score formula and financial ratios consist of liquidity ratios, namely using the Current Ratio (CR), solvency ratios, namely Debt to Total Assets Ratio (DAR), profitability ratios, namely Earning Per Share (EPS). The samples in this research were companies listed on the sharia index, namely the Jakarta Islamic Index 70 (JII70) using a purposive sampling technique. From a total population of 70 companies, 14 companies were selected with a research duration of 10 years from 2015-2024. This research uses panel data regression analysis. The results of this research are that there is a positive and significant influence of financial distress (Z-Score value) and profitability ratio (EPS value) on sharia stock prices. Meanwhile, liquidity (CR value) and solvency ratio (DAR value) have an insignificant influence on sharia stock prices. The independent variables simultaneously have a significant effect on sharia stock prices with an R2 value of 88.16 percent.
DEFLASI DAN RESESI EKONOMI: PERAN EKONOMI SYARIAH SEBAGAI SOLUSI ALTERNATIF DI INDONESIA Mutia, Rahmi; Iskandar, Iskandar
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 6 No. 2 (2025): 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.v6i2.6050

Abstract

This study aims to analyze the prolonged deflation phenomenon in Indonesia during May- September 2024 and January - February 2025, as well as the potential accompanying recession. The decline in public demand and contraction in strategic sectors are identified as the main factors driving this condition. In response, the study explores the role of Islamic economics as an alternative solution, emphasizing wealth distribution principles through zakat, infak, and waqf, which are believed to offer a fair and sustainable approach. The methodology involves a literature review and descriptive analysis of secondary data, providing a comprehensive understanding of the economic situation and the potential for Sharia-based interventions. The findings indicate that the application of Islamic economic principles has significant potential to stabilize the economy, alleviate deflationary pressures, and prevent recession by strengthening household consumption, enhancing public welfare, and promoting more equitable resource distribution. These results contribute scientifically by offering the perspective of Islamic economics as an alternative in addressing macroeconomic crises, while highlighting the relevance of Islamic principles in contemporary economic policy. This study is expected to serve as a reference for policymakers and academics in designing more inclusive and equitable recession prevention strategies.
PENERAPAN PENYUSUNAN LAPORAN KEUANGAN USAHA MIKRO KECIL DAN MENENGAH BERBASIS STANDAR AKUNTANSI KEUANGAN ENTITAS MIKRO KECIL DAN MENENGAH : Studi Kasus Pada UMKM Ladu Arai Pinang Gusti Irni Yusnita; Maharani Putri; Wahyu Nurul Amaliah
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
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v3i1.1158

Abstract

This study aims to to know recording and our financial report conducted by small and medium businesses UMKM ladu arai pinang gusti, to see how recording and our financial report small and medium businesses UMKM ladu arai pinang gusti that is in accordance with the accounting standard entity micro small and medium enterprises ( SAK EMKM ). The qualitative method was used in the study with the approach descriptive, researchers used 2 the kind of data that is primary and secondary data. Researchers used in this research stage 4 which are (1) data collection , of the stages this researchers used interview techniques, observation and also documentation (2) reduction data (3) presentation of data (4) towing conclusion. The results of the study showed that the registration of a financial report done by the owners of the small and medium businesses umkm ladu arai pinang gusti use and very modest, the reason why small and medium businesses umkm in village records not financial report in accordance with SAK EMKM is the owner did not understand SAK EMKM  and how preparing financial reports that is in accordance with the accounting standard entity micro small and medium enterprises (SAK EMKM).
Determinasi Makroekonomi terhadap IPM Indonesia: Analisis ARDL dan Relevansi Maqashid al-Shariah dalam Kebijakan Fiskal Ratih Avisya; Muhammad Wakhid Musthofa; Muhammad Ghafur Wibowo; Yasni Efyanti
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 7 No. 1 (2026): 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.v7i1.6742

Abstract

This study aims to analyze the influence of macroeconomic indicators on the Human Development Index (HDI) in Indonesia from an Islamic economic perspective. This research employs a quantitative approach using the Autoregressive Distributed Lag (ARDL) model with time series data from 1991 to 2022. The variables examined include inflation, economic growth (GDP), government expenditure, and unemployment rate. The results show that all variables simultaneously affect HDI. Partially, economic growth has a positive and significant effect on HDI in both the short and long term. Inflation has a positive and significant effect in the short term, while government expenditure does not have a significant effect on HDI. Meanwhile, the unemployment rate has a negative and significant effect in the long term. These findings highlight the importance of maintaining sustainable economic growth, managing unemployment effectively, and optimizing government expenditure policies in line with maqashid al-shariah principles to enhance the quality of human development in Indonesia.
Analisis Rasio Keuangan PT. Mayora Indah, Tbk Periode 2024-2025 berdasarkan Rasio Likuiditas Sesilia Pita Nirwana; Lili Amelia; Shifa Dwiyan; Dinda Berliana Putri; suhendi
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 7 No. 1 (2026): 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.v7i1.7195

Abstract

Penelitian ini bertujuan untuk menganalisis kinerja keuangan PT Mayora Indah Tbk pada periode 2024-2025 dengan fokus pada tingkat likuiditas perusahaan. Likuiditas merupakan indikator krusial bagi perusahaan manufaktur skala besar seperti Mayora untuk menjamin kemampuan dalam melunasi kewajiban jangka pendek di tengah tantangan ekonomi global. Metode penelitian yang digunakan adalah metode deskriptif kuantitatif dengan teknik analisis rasio keuangan, yang meliputi Current Ratio, Quick Ratio, dan Cash Ratio. Data yang digunakan bersumber dari laporan keuangan konsolidasian perusahaan tahun 2024 dan 2025. Hasil penelitian menunjukkan bahwa PT Mayora Indah Tbk memiliki kinerja likuiditas yang sangat sehat dan cenderung meningkat. Current Ratio meningkat dari 265,48% menjadi 337,76%, dan Quick Ratio meningkat dari 178,30% menjadi 242,10%. Meskipun Cash Ratio masih di bawah 100%, terjadi peningkatan signifikan dari 62,32% menjadi 92,90%. Kesimpulan dari penelitian ini adalah PT Mayora Indah Tbk memiliki ketahanan finansial yang kuat dalam memenuhi kewajiban jangka pendeknya yang didukung oleh pertumbuhan aset lancar dan penurunan liabilitas jangka pendek pada tahun 2025.

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