Al-Amwal (Jurnal Ekonomi Islam)
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DETERMINING FACTORS OF MUSLIM PUBLIC INTEREST IN INFAQ AND SHADAQAH PAYMENT METHODS THROUGH QRIS CODE : CASE STUDY IN AR RAHMAN PARIPURNA AGUNG MOSQUE PEKANBARU
Full text linkThis study aims to determine the effect of Convenience, Usefulness and Attitude Factors on the interest of pilgrims using the Quick Response Code Indonesian Standard (QRIS). This study uses four independent variables, namely the variable Ease (X1), Benefits (X2), Attitude Factor (X3) and the dependent variable, namely the variable Interest (Y). This study uses a type of quantitative research. The sample used in this study was 40 congregations. The data collection technique used the questionnaire method in the form of written statements which were distributed to the congregation of the mosque, using the minimum sample technique. Data analysis was performed by processing data using SPSS Statistics V.23. Furthermore, data analysis using validity, reliability, classical assumption test, simple regression analysis, and hypothesis testing using the coefficient of determination test (R2), t test and F test. Based on the results of the study, it can be concluded that simultaneously and partially there is no significant effect the magnitude of the three independent variables on the dependent variable is only 9.3 while the remaining 90.7 is influenced by other factors outside of the study. After doing the t test of convenience (X1) where tcount(-1,138) < ttable (2.024) and a significant probability value of 0.263 > sig 0.05, Benefit (X2) tcount (-1,048) < ttable (2.024) and a significant probability value of 0.302 > sig 0.05 and Attitude Factor (X3) tcount (-1,508) < ttable (2.024) and a significant probability value of 0.140 > sig 0.05, while the multiple linear regression equation is as follows: Y = 22,558 - 0.206 - 0.127 + 0.212
MITIGATING FINANCIAL LITERACY AND MSMEs PERFORMANCE: A COMPARISON WITH ISLAMIC FINANCIAL LITERACY IN INDONESIAN
Full text linkThis research is related to comparing financial literacy towards MSMEs with Islamic financial literacy towards MSMEs. Furthermore, it describes the composition of MSMEs in Indonesia based on financial potential and employment. The sample used was 211 from Pekanbaru city. Where the majority of MSME actors are women, less than 25 years old, university graduates, employment below 5 people and sales turnover ranging from 5 million rupiah to 10 million rupiah every month. The analysis method uses PLS-SEM with the tool Smart PLS 3. Where financial literacy on MSMEs performance is represented by financial behavior, financial knowledge and financial attitude variables. Where each variable has a significant effect and positive correlation. Meanwhile, Islamic financial literacy on the performance of MSMEs is represented by variables of financial behavior, financial attitude, financial skills and financial awareness which have a significant effect with a positive correlation except financial awareness which is negatively correlated. Meanwhile, the financial knowledge variable in Islamic financial literacy is positively correlated but has no significant effect on the performance of MSMEs in Indonesia
PERBANDINGAN KINERJA KEUANGAN BANK UMUM SYARIAH DAN BANK PEMBANGUNAN DAERAH KONVENSIONAL DI INDONESIA TAHUN 2021-2023
Full text linkThe research is comparing the Financial Performance of Islamic Commercial Banks (ICBs) and Conventional Regional Development Banks (CRDBs) during the three years Covid-19 pandemic in Indonesia from 2021 to 2023. It is also to know the health of the bank based on Financial Ratios. The research is quantitative by comparing the financial ratios of ICBs and CRDBs. The research result shows that Capital Adequacy Ratio (CAR) of ICBs is higher than CRDBs, Return On Assets (ROA) of ICBs is lower than CRBDs, Financing to Deposit Ratio (FDR) of ICBs is lower than Loan to Deposit Ratio (LDR) of CRBDs and OER or REO of ICBs is higher than CRBDs. Overall ICBs is healthier than CRBDs in term of financial performance.Penelitian ini membandingkan Kinerja Keuangan Bank Umum Syariah (BUS) dan Bank Pembangunan Daerah Konvensional (BPDK) selama tiga tahun pandemi Covid-19 di Indonesia 2021 hingga 2023. Juga ntuk mengetahui kesehatan bank berdasarkan Rasio Keuangan. Penelitian bersifat kuantitatif dengan membandingkan rasio keuangan BUS dan BPD Konvensional. Hasil penelitian menunjukkan bahwa Capital Adequacy Ratio (CAR) BUS lebih tinggi dari BPD Konvensional, Return On Assets (ROA) BUS lebih rendah dari BPD Konvensional, Financing to Deposit Ratio (FDR) BUS lebih rendah dari Loan to Deposit Ratio (LDR) BPD Konvensional dan OER atau REO BUS lebih tinggi dari BPD Konvensional. BUS secara keseluruhan lebih sehat daripada BPD Konvensional dalam hal kinerja keuangan
ANALISIS KINERJA DENGAN PENDEKATAN BALANCE SCORECARD PADA BADAN AMIL ZAKAT NASIONAL KABUPATEN TAPANULI SELATAN
Full text linkThe Balanced Scorecard is a performance measurement method that is very much needed by an organization, especially the National Amil Zakat Agency (BAZNAS) South Tapanuli so that the indicators that affect the performance are in balance. There are four indicators on the Balanced Scorecard, namely financial perspective, customer perspective (muzakki), internal business process perspective, learning and growth perspective. The purpose of this study was to determine the performance of BAZNAS Tapanuli Selatan when viewed from a financial perspective, a customer perspective (muzakki), an internal business process perspective, a learning and growth perspective. This research method uses a qualitative approach within 3 years (2019-2021). Data collection techniques using observation, questionnaires and documentation. The results of this study indicate that the performance of the South Tapanuli BAZNAS measured using the Balanced Scorecard from a financial perspective, customer perspective (muzakki), internal business process perspective, learning and growth perspective is in the "good" category
EFEKTIVITAS KINERJA LEMBAGA AMIL ZAKAT (BAZNAS KOTA PEKANBARU) DALAM MENGELOLA ZAKAT BERDASARKAN UNDANG – UNDANG NO 23 TAHUN 2011
Full text linkLaw No. 23 of 2011 concerning Zakat Management provides a legal foundation for zakat institutions to effectively manage zakat in accordance with the prevailing regulations. This study aims to measure the effectiveness of zakat institutions' performance in managing zakat using the quantitative research method and collecting data through literature documentation. The quantitative research method was employed in this study with a documentary study approach. The data used were secondary data obtained from various literary sources, such as legal regulations, financial reports, and other publications related to zakat institutions and zakat management according to Law No. 23 of 2011. The results of the study indicate that zakat institutions, in general, have implemented the principles of the law in managing zakat. However, there are several aspects that need improvement, such as the incorporation of innovative ideas in zakat implementation, more concrete data collection on the existence of mustahiq (beneficiaries) throughout the Pekanbaru region, and the provision of zakat fund assistance forms in accessible locations for mustahiq. Based on the research findings, it is recommended that the Pekanbaru City BAZNAS (National Amil Zakat Agency) allocate more time and resources to the zakat institution and encourage the generation of innovative ideas in zakat implementation. The Pekanbaru City BAZNAS should conduct more detailed data collection on the presence of mustahiq in all areas of the city. Furthermore, they should ensure the availability of zakat fund assistance forms in locations accessible to mustahiq.Law No. 23 of 2011 concerning Zakat Management provides a legal foundation for zakat institutions to effectively manage zakat in accordance with the prevailing regulations. This study aims to measure the effectiveness of zakat institutions' performance in managing zakat using the quantitative research method and collecting data through literature documentation. The quantitative research method was employed in this study with a documentary study approach. The data used were secondary data obtained from various literary sources, such as legal regulations, financial reports, and other publications related to zakat institutions and zakat management according to Law No. 23 of 2011. The results of the study indicate that zakat institutions, in general, have implemented the principles of the law in managing zakat. However, there are several aspects that need improvement, such as the incorporation of innovative ideas in zakat implementation, more concrete data collection on the existence of mustahiq (beneficiaries) throughout the Pekanbaru region, and the provision of zakat fund assistance forms in accessible locations for mustahiq. Based on the research findings, it is recommended that the Pekanbaru City BAZNAS (National Amil Zakat Agency) allocate more time and resources to the zakat institution and encourage the generation of innovative ideas in zakat implementation. The Pekanbaru City BAZNAS should conduct more detailed data collection on the presence of mustahiq in all areas of the city. Furthermore, they should ensure the availability of zakat fund assistance forms in locations accessible to mustahiq
ANALISIS PENERAPAN PEMBIAYAAN QARDHUL HASAN DI BMT ISLAM ABDURRAB KOTA PEKANBARU
Full text linkThis study aims to determine how the implementation of qardhul hasan financing in terms of the source of funds, the procedure for distributing the financing, and the utilization of the funds applied at BMT Islam Abdurrab Pekanbaru. This study used descriptive qualitative method. Data collection techniques that researchers use in the form of interviews, observation and literature study.
The results of this study indicate that the implementation of Qardhul Hasan financing at BMT Islam Abdurrab Pekanbaru is in accordance with the Fatwa of DSN MUI No.19/DSN-MUI/IV/2001. The Qardhul Hasan financing funds began to be distributed in 2018. The source of the Qardhul Hasan financing funds came from principal deposits and member mandatory deposits. Meanwhile, the Qardhul Hasan financing procedure is basically the same as other financing procedures. It’s just that there are slight differences that lie in the requitments and size of the assessment. The BMT Islam Abdurrab conducts an assessment of the Qardhul Hasan financing members using the 5C analysis principle, namely character, capacity, capital, colleteral, and condition od economy. With this Qardhul Hasan financing, it can help members who are in difficuly by providing short-term bailout funds and not making it difficult for members to apply for financing
BANKING DURING THE COVID-19 PANDEMIC IN INDONESIA: EFFECTIVENESS BETWEEN BPR AND SHARIA BPR
Full text linkThis study aims to determine the factors that affect banking profitability during Covid-19 in Indonesia in the 2020-2022 period using financial ratios. The financial ratios used consist of BOPO Efficiency Ratio (REO), Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL) or Non-Performing Financing (NPF) to Return on Assets (ROA) in BPR and BPR Syariah in Indonesia. The analysis was carried out using quarterly time series data published by the Financial Services Authority. This study uses a multiple linear regression analysis method using SPSS version 23 software.
The results showed that REO, CAR, and NPL simultaneously had no effect on BPR ROA, while the results showed that REO, CAR, and NPF simultaneously affected Sharia BPR ROA. REO partially has a negative and significant effect on ROA BPR, CAR and NPL have no effect on BPR ROA. While REO partially has a negative and significant effect on the ROA of Sharia BPR, CAR and NPF partially have a positive and significant effect on the ROA of Sharia BPR
STRATEGI PEMASARAN MENURUT PERSPEKTIF EKONOMI ISLAM: ROTTE BAKERY MENGHADAPI PERSAINGAN USAHA
Full text linkAwalnya usaha Rotte Bakery adalah salah satu industri roti yang ada di Kota Pekanbaru, berdiri pada tanggal 8 Januari 2016, yang didirikan oleh Bapak Syafrizal di Jl Bukit Barisan. Seiring dengan perkembangan zaman persaingan usaha terus meningkat, saat ini semakin banyak industri roti yang berdiri di kota Pekanbaru hingga merambah ke Kota Duri. Untuk menghadapi persaingan usaha Rotte Bakery perlu meningkatkan penjualan produk dengan strategi pemasaran yang efektif.
Tujuan dalam penelitian ini adalah melihat bagaimana strategi pemasaran Rotte Bakery di kota Duri dalam menghadapi persaingan usaha dan bagaimana perspektif ekonomi Islam terhadap strategi pemasaran Rotte Bakery di kota Duri. Adapun yang menjadi metode dalam pengumpulan data adalah observasi, wawancara, dan dokumentasi. Sedangkan teknik analisis data yang digunakan adalah kualitatif dengan pendekatan deskriptif.
Berdasarkan hasil penelitian menunjukkan bahwa strategi pemasaran yang diterapkan Rotte Bakery di kota Duri adalah dengan menerapkan segmentasi pasar, targeting, positioning dan bauran pemasaran (marketing mix) 4P yang terdiri dari strategi produk, harga, tempat dan promosi. Tinjauan perspektif ekonomi Islam terhadap strategi pemasaran Rotte Bakery di kota Duri sesuai dengan strategi pemasaran islami, karena Rotte Bakery merupakan usaha roti berbasis syariah (keagamaan) yang mengkombinasikan usaha mereka dengan praktik pemasaran dan sifat Nabi Muhammad SAW yakni Shiddiq (jujur), Amanah (dapat dipercaya), Fathanah (cerdas), dan Tabligh (komunikatif) sehingga usaha yang dijalankan mendapat ridha dan berkah dari Allah SWT
ANALISA LITERASI WAQAF UANG PADA DOSEN UNIVERSITAS ABDURRAB
Full text linkBenchmark used to determine the extent of their understanding of waqf is by asking basic questions related to waqf knowledge which includes: general understanding of cash waqf including movable property waqf, knowing the legal basis of cash waqf (UU No. 41 of 2004), knowing that waqf management must be managed by the nadzir, knowing that cash waqf must be managed productively.
This study aims to find out how the literacy level of Cash Waqf is at Abdurrab University Lecturers. This study uses a quantitative descriptive method. Data collection techniques are observation, documentation, questionnaires. The results of the study show indicators that are criteria for literacy levels according to Chen and Volpe (1998). The literacy level is high if the questions answered correctly exceed 80%, medium or moderate 60% -80%, and low is less than 60%, so that the literacy level of cash waqf at Abdurrab University Lecturers is 60% -80% so it can be concluded that the literacy level of waqf money at Abdurrab University Lecturers is in the medium or medium category
MEKANISME DAN PROSEDUR PEMBUBARAN BANK PERSPEKTIF IISLAM
Full text linkPembubaran bank di Indonesia merupakan langkah penting untuk menjaga stabilitas sistem keuangan dan melindungi nasabah. Proses ini diatur ketat oleh Otoritas Jasa Keuangan (OJK) dan Lembaga Penjamin Simpanan (LPS) melalui beberapa tahapan krusial. Tahap awal melibatkan pengawasan dan evaluasi kesehatan bank oleh OJK. Jika bank menunjukkan risiko tinggi, OJK dapat menunjuknya sebagai Bank Dalam Pengawasan Khusus (BDPK). Upaya restrukturisasi dan intervensi OJK dilakukan untuk menyelamatkan bank. Namun, jika upaya tersebut gagal, OJK dapat mencabut izin usaha bank. Di sinilah LPS mengambil alih. LPS bertugas melikuidasi bank, termasuk menjual aset dan menyelesaikan kewajiban kepada nasabah serta kreditur.
Proses likuidasi ini dilakukan secara transparan dan diawasi ketat untuk melindungi hak-hak nasabah. Setelah likuidasi selesai, nama bank dihapus dari daftar resmi dan proses pembubaran dinyatakan lengkap. Mekanisme pembubaran bank diatur dalam berbagai undang-undang dan peraturan, seperti Undang-Undang Nomor 21 Tahun 2011 tentang OJK dan Undang-Undang Nomor 24 Tahun 2004 tentang LPS. Hal ini bertujuan untuk memastikan transparansi, perlindungan nasabah, dan stabilitas keuangan nasional. Pembubaran bank merupakan langkah terakhir yang diambil jika bank tidak dapat diselamatkan. Namun, proses ini penting untuk menjaga kepercayaan publik terhadap sistem keuangan dan melindungi hak-hak nasabah