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Fahmi Achta Pratama
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Risalah Iqtisadiyah: Journal of Sharia Economics
Published by STEI Ar Risalah Sumatera Barat
ISSN : -     EISSN : 29860792     DOI : https://doi.org/10.59107/ri
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
This journal focuses on the results of Sharia Economics research which includes the Halal Industry, Finance Sharia, Management and Business Sharia, Islamic Economic Thought, Islamic Development Economics, and Islamic Philanthropy. The Editorial Team welcomes contributions in the form of articles from scientists, scholars, professionals and researchers related to sharia economics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 36 Documents
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Determinants Of Waqf Interest Through Digital Media In Banda Aceh City Abdul Jabbar, Caesar; Nirlina, Eka; Sari, Nurma
Risalah Iqtishadiyah Vol 4 No 1 (2025): January - June 2025
Publisher : Risalah Iqtisadiyah: Journal of Sharia Economics, Sharia Economics Study Program, STEI Ar Risalah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59107/ri.v4i1.75

Abstract

This research was conducted to analyze the effect of income, trust, religiosity and social influence on interest in cash waqf through digital media in the Banda Aceh city. The sample used in this study amounted to 100 respondents obtained from the calculation of the slovin formula. This type of research is quantitative research with primary data as a source of data in the research. The results of the study show that partially income, trust, religiosity, and social influence influence interest in waqf in the Banda Aceh city. Simultaneously, income, trust, religiosity and social influence affect interest in waqf through digital media in the Banda Aceh city. To increase interest in digital waqf, people can increase income, trust, religiosity, and social influence. Therefore, the public can take advantage of digital media as a means of cash waqf.
Non Performing Financing dan Strategi Penanganannya pada Akad Murabahah di KSPPS Risalatuna Berkah Sejahtera Andika, Arif; Afriyanti, Afriyanti; Ulyadi, Ulyadi; Muslim, Mulyadi
Risalah Iqtishadiyah Vol 4 No 1 (2025): January - June 2025
Publisher : Risalah Iqtisadiyah: Journal of Sharia Economics, Sharia Economics Study Program, STEI Ar Risalah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59107/ri.v4i1.87

Abstract

Problematic financing is referred to as Non-Performing Financing (NPF), which includes financing with delinquent collectability and financing with doubtful collectability that has the potential to become delinquent. This study aims to examine the factors causing Non-Performing Financing and the handling strategies for Murabaha contracts at KSPPS Risalatuna Berkah Sejahtera. To achieve the objectives of this research, the author employs a descriptive qualitative research method. The data collection techniques used are documentation studies and in-depth interviews. In terms of problematic financing, KSPPS Risalatuna Berkah Sejahtera has been ineffective due to factors such as the lockdown during the COVID-19 pandemic and natural disasters, which resulted in an uncertain income for the customers. The strategies for handling Non-Performing Financing implemented by KSPPS Risalatuna Berkah Sejahtera include reducing installments, meaning providing long-term settlement time, and lowering profits by using collateral. KSPPS Risalatuna Berkah Sejahtera also seeks to resolve problematic financing through social funds and penalty funds from other customers; however, this is often not done in a timely manner.
Strategi Bersaing PT. BPRS Carana Kiat Andalas dengan Pendekatan Analisis SWOT Auliya, Fadel; Satriana, Desmi
Risalah Iqtishadiyah Vol 3 No 2 (2024): July - December 2024
Publisher : Risalah Iqtisadiyah: Journal of Sharia Economics, Sharia Economics Study Program, STEI Ar Risalah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59107/ri.v3i2.92

Abstract

This study aims to determine effective strategies for PT. BPRS Carana Kiat Andalas in facing competition among microfinance institutions in the Padang Luar Bukittinggi area using a SWOT analysis approach. The research method used is qualitative field research, with data collected through interviews and documentation. SWOT analysis is employed to examine the bank’s internal strengths and weaknesses as well as external opportunities and threats. Currently, the bank applies strategies such as excellent customer service, fast response to client needs, and competitive margin rates. Based on the SWOT analysis matrix, several strategies are proposed: (1) Strengths-Opportunities (SO) Strategy: market penetration and expanding service types according to customer needs; (2) Weaknesses-Opportunities (WO) Strategy: improving human resource competence, increasing capital, enhancing technology, expanding financing distribution, and diversifying services; (3) Strengths-Threats (ST) Strategy: implementing effective and continuous promotion, strengthening customer loyalty through proactive service, adjusting margins based on customer capability, and strategic location selection; (4) Weaknesses-Threats (WT) Strategy: maximizing profits and applying differentiation in determining margin levels. These strategies are expected to help PT. BPRS Carana Kiat Andalas remain competitive, expand its market reach, and respond more effectively to challenges in the dynamic microfinance environment.
Pengaruh Artifical Intelligience terhadap Efisiensi Audit Keuangan Syariah Bagus Septiawan, Ardian; Nurul Majid, Muhammad; Abiel Adib Muhammad, Daulat; Arwani, Agus
Risalah Iqtishadiyah Vol 4 No 1 (2025): January - June 2025
Publisher : Risalah Iqtisadiyah: Journal of Sharia Economics, Sharia Economics Study Program, STEI Ar Risalah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59107/ri.v4i1.95

Abstract

This study aims to explore how the application of Artificial Intelligence (AI) affects the level of efficiency in the audit process in the Islamic-based financial system. Amid the rapid development of digital technology, the use of AI in accounting and auditing practices is becoming increasingly common, including in the Islamic financial sector. This research uses a qualitative approach with a literature study method, namely by reviewing various relevant literature sources, scientific articles, and previous research results. The results of the analysis show that the utilization of AI can speed up the audit process, improve the accuracy of results, and assist in the identification of risks earlier. However, its application still requires control from human auditors to remain in line with sharia principles. This research is expected to be a reference for auditors and Islamic financial institutions in integrating technology wisely while maintaining sharia values.
Pengaruh Kualitas Penerapan GCG (Good Corporate Governance) dan Struktur Modal Terhadap Kinerja Keuangan Perbankan Syariah Periode 2016-2020 Yunita, Wanda; Fatoni, Ahmad
Risalah Iqtishadiyah Vol 4 No 1 (2025): January - June 2025
Publisher : Risalah Iqtisadiyah: Journal of Sharia Economics, Sharia Economics Study Program, STEI Ar Risalah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59107/ri.v4i1.38

Abstract

This study is based on previous research and phenomena that still show gaps and inconsistencies, making further investigation necessary to provide novelty. The focus of this research is to analyze how Good Corporate Governance (GCG) through the audit committee, board of commissioners, managerial ownership, and capital structure affects the sharia-based financial performance of banks in Indonesia during 2016–2020. GCG mechanisms such as the audit committee and board of commissioners play a vital role in supervising financial statement preparation, decision-making, and evaluation, which directly influence company performance. Meanwhile, capital structure represents the balance between debt and equity as sources of funding for operational activities. This study uses secondary data obtained from annual reports of Islamic commercial banks listed on the Indonesia Stock Exchange (IDX) and the Sharia Banking Statistics (SPS) published by the Financial Services Authority (OJK). The analysis method applied is multiple linear regression, supported by classical assumption tests to ensure validity and reliability of results. The research sample was selected using purposive sampling to represent relevant criteria. Data processing was conducted using EViews version 12 software to obtain accurate and comprehensive findings.
Pengaruh Pembiayaan Mudharabah, Musyarakah, Murabahah, dan Ijarah terhadap Return on Equity (ROE) Bank BCA Syariah Periode 2018–2022 Permana, Daffa Abdi; Fatoni, Ahmad
Risalah Iqtishadiyah Vol 4 No 1 (2025): January - June 2025
Publisher : Risalah Iqtisadiyah: Journal of Sharia Economics, Sharia Economics Study Program, STEI Ar Risalah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59107/ri.v4i1.40

Abstract

This study aims to examine the effect of mudharabah, musyarakah, murabahah, and ijarah financing on the return on equity (ROE) of Bank BCA Syariah. This research employs a quantitative approach with a saturated sampling technique. Secondary data were obtained from the quarterly financial reports of Bank BCA Syariah for the period 2018–2022. Data were analyzed using classical assumption tests, multiple linear regression, t-test, F-test, and the coefficient of determination with SPSS v23. The results show that, partially, mudharabah, musyarakah, and ijarah financing have no significant effect on ROE, while murabahah financing has a positive and significant effect on ROE. Simultaneously, the four financing variables do not have a significant effect on ROE.

Page 4 of 4 | Total Record : 36

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