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Forecast Audit towards 2016 Gross Domestic Product as Influence of Financial Growth and the ASEAN Economic Community Preparation Mutiara Shifa
Proceedings of AICS - Social Sciences Vol 7 (2017): 7th AIC in conjuction ICMR 2017 Universitas Syiah Kuala October 2017
Publisher : Proceedings of AICS - Social Sciences

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (307.16 KB)

Abstract

As a country facing global challenges, it will be said as ready when it experiences domestic growth measured through gross domestic product (GDP). Welcoming the ASEAN economic community 2017, necessarily the role of growth will show the readiness of community as a whole. In this study, the author will predict the calculation of GDP based on the influences of the bank financing growth. In banking, GDP is an indicator of economic growth which is an important measure in explaining direct economic performance and a performance of economic actors providing goods and services including the banking industry. Economic growth can increase the cash flow of banks by increasing demand for financing from companies and households. During periods of strong economic growth, financing demand tends to increase. Because the financing that tends to obtain better profits.
PENGGUNAAN MATA UANG DINAR DAN DIRHAM SEBAGAI SOLUSI PREDIKSI KRISIS MONETER DI INDONESIA Mutiara Shifa; Alfi Amalia; M.Shabri Abd.Majid; Marliyah Marliyah
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 4 No. 6 (2022): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (449.082 KB) | DOI: 10.32670/fairvalue.v4i6.992

Abstract

One of the main sources of the currency crisis experienced by Indonesia is the use of paper money that is not backed by gold. The data analysis technique used in this research is descriptive qualitative analysis, which is a method of data analysis by describing the description/conclusion of the use of the dinar and dirham currencies as a solution to the global economic crisis. The results of the research on the Dinar currency are a solution to the impact of using legal tenders in the world economy. because fiat currency will cause instability in the world economy, then to overcome this stable currency is the gold dinar. In the year 250m/648 H, the dinar was used as currency. Apart from being a currency, the dinar currency can also prevent currency depreciation. The Dinar is a stable currency. Why is that? Since the time of the Prophet Muhammad, the dinar currency has never experienced inflation or deflation. And the dinar is also made of gold. Gold prices remain stable. Even if there is a crisis in a country, the price of gold will remain stable. It has a stable value in every country and can promote domestic and international transactions. Dinar can also reduce speculation, manipulation and arbitrage. Dinar currency with the same value will be able to affect the level of speculation and arbitrage in the foreign exchange market, because differences in currency values will be difficult to occur. Dinar can also minimize recession and economic recession. Using the dinar in a country can also minimize the currency risk the country faces.
FAKTOR - FAKTOR YANG MEMPENGARUHI PENGHIMPUNAN DEPOSITO MUDHARABAH PADA PERBANKAN SYARIAH DI INDONESIA Mutiara Shifa; Andri Soemitra; Sugiyanto Sugiyanto
Jurnal Indonesia Sosial Sains Vol. 3 No. 02 (2022): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (448.662 KB) | DOI: 10.59141/jiss.v3i02.521

Abstract

The purpose of this study is to identify and analyze the factors that influence the accumulation of deposits in Mudharabah, an Islamic bank in Indonesia. The independent variables in this study are interest rate (X1), inflation (X2) and savings (X3), and the dependent variable is Mudarabah deposits. This study adopts quantitative research method. Quantitative research is research that uses data in numerical form. The results of the study show that interest rates have no significant effect on the mudharabah deposit component of Islamic commercial banks in Indonesia. This means that there is no influence between the interest rate variable (X1) on Mudharabah Deposits, Inflation has a partially significant effect on mudharabah deposits at Islamic Commercial Banks in Indonesia. This means that the Inflation variable (X2) has a significant effect on Mudharabah Deposits, Financing To Deposit Ratio (FDR) has a partially significant effect on mudharabah deposits at Islamic Commercial Banks in Indonesia. This means that the effect of the FDR variable (X3) on Mudharabah Deposits, Interest Rates, Inflation, and FDR simultaneously (simultaneously) has a significant effect on Mudharabah Deposits at Islamic Commercial Banks in Indonesia
Analysis of Buying and Selling Practices Online in Islamic Law Perspective Mutiara Shifa
Journal Research of Social Science, Economics, and Management Vol. 1 No. 5 (2021): Journal Research of Social Science, Economics and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (282.755 KB) | DOI: 10.59141/jrssem.v1i5.42

Abstract

Economic behavior has been formed since humans began to need other individuals who have goods or services that they do not have. The form of buying and selling has developed following society and social changes. Advancements in communication and information have impacted progress in the business world. Long-distance buying and selling have become a prevailing habit in today's business world. Feel disadvantaged because the goods received do not match the picture or the goods received also turn out to be defective or the goods do not arrive at the buyer, and many other cases. Islamic law itself has regulated this buying and selling activity quite strictly, both in the arguments of Al -Qur'an, Hadith, Ijma', and also Qiyas. The purpose of this study was to determine whether the practice of buying and selling online is according to Islamic Law. This study uses descriptive qualitative research methods. The results found that buying and selling online is allowed as long as the goods or products being traded follow the specifications or characteristics of the goods that have been determined. Moreover, the type and nature of the goods to be bought are known. Islam is consensual. There is no coercion from any party to buy an item. If the buying and selling transaction online does not follow the provisions of Islamic law, which has established the terms of the contract and buying and selling, the online buying and selling transaction is unlawful or invalid.
Analysis of Financial Performance Measurement Sharia Bank Using RGEC and SCnp (Shariah Conformity and Profitability) Model Saparuddin Siregar; Mutiara Shifa
Journal Research of Social Science, Economics, and Management Vol. 1 No. 5 (2021): Journal Research of Social Science, Economics and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (4051.856 KB) | DOI: 10.59141/jrssem.v1i5.43

Abstract

The problem in this study is how the financial performance problems of BUMN Islamic banks using the RGEC and SCnP models and the comparison of the two methods. This study aims to determine the financial performance of state-owned Islamic banks using the RGEC and SCnP models and to compare the two methods. The type of research that the author uses is quantitative research. Data collection techniques using documentation through financial reports obtained from the official website of PT. BRI Syariah Tbk, PT. BNI Syariah, and PT. Bank Mandiri Syariah. The data analysis technique uses financial ratios and Sharia Conformity and Profitability (SCP) as measured by indicators of sharia conformity and profitability. The results showed that PT. BRI Syariah, Tbk in 2017, 2018, and 2019 based on the RGEC method, respectively, were at a composite rank of 3, while in the SCnP Model, each PT. BRI Syariah, Tbk is in the LLQ, LRQ, and LRQ quadrants. For PT. BNI Syariah in 2017, 2018, and 2019 based on the RGEC method was ranked 2, 2, and 1, respectively, while in the SCnP Model, PT. BNI Syariah is in the ULQ, ULQ, and URQ quadrants. Then PT. Bank Syariah Mandiri in 2017, 2018, and 2019 based on the RGEC method was respectively ranked 2, 2, and 1, while in the SCnP Model, PT. Mandiri Syariah Bank is in the next LLQ, LRQ, and URQ quadrants.
Analysis of the Potential of Coastal Villages Based on Blue Economy in Realizing Sustainable Development Goals Mutiara Shifa; Noval Suhendra; Hartini; Aglis Andhita Hatmawan
Journal of Economics, Bussiness and Management Issues Vol. 2 No. 2 (2024): Juni
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/jebmi.v2i2.201

Abstract

The potential of Indonesia's coastal villages is very large, especially the potential for marine resources. This potential can be utilized to improve the welfare of village communities and realize the Life Below Water goals of the Sustainable Development Goals (SDGs). This research aims to analyze the potential of Gampong Lampulo in realizing the SDGs Life Below Water goals related to the sustainability of marine ecosystems, as well as identifying obstacles that arise in efforts to manage this potential using the blue economy concept. The method used in this research is a descriptive qualitative approach. Data was collected through observation, interviews and documentation. The research informants used were ten people, including one navy commander and nine fishermen. The research results show that Gampong Lampulo has large marine resource potential. This potential can provide a stable source of income for village residents and improve the welfare of coastal communities. However, managing this potential still faces several obstacles, including uncertain natural conditions and high fuel prices.