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All Journal At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Jurnal Valuasi : Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan Jurnal Cendekia Keuangan Borneo Islamic Finance and Economics Journal (BIFEJ) Jurnal Bisnis
Hafizi, Muhammad Riza
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Religion Economics, Econometrics & Finance Social Sciences

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EMPOWERMENT OF PRODUCTIVE ZAKAT FUNDS, SOLUTION FOR SMALL BUSINESS: (Evidence from Badan Amil Zakat Nasional Central Borneo) Hafizi, Muhammad Riza; Halipah, Nor
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 7, No 1 (2021): JUNI 2021
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v7i1.3165

Abstract

BAZNAS of Palangka Raya is a zakat management institution that is tasked with collecting, distributing and utilizing zakat. This study aims to analyze the optimization of productive zakat utilization in economic empowerment of mustahik, analysis of the benefits of productive zakat in improving the standard of life of mustahik, and analysis of the constraints that BAZNAS feels in optimizing productive zakat.This research is a qualitative type of research using a descriptive qualitative approach. The research subjects were four productive zakat managers and ten informants from mustahik who received revolving fund loan assistance. This research resulted in conclusions, namely, first, the optimization of zakat utilization in the framework of empowering the mustahik in BAZNAS of Palangka Raya through the Palangka Raya Sejahtera program has not been carried out optimally, due to the absence of supervision, assistance and guidance from BAZNAS so that there mustahik who misuse these funds. Second, the benefits of this program are very helpful in the economic empowerment of mustahik with an increase in business results, a network, an increase in family income, and independence. Third, the obstacles that are often felt by BAZNAS in optimizing them are the lack of human resources in management and in the field, the provision of business capital that is misused by mustahik, the lack of trust of muzaki in institutions, and the large number of ZIS collecting organizations besides BAZNAS.
FACTORS AFFECTING THE COST OF DEBT IN CONSUMER GOODS INDUSTRY COMPANIES Putri, Danisha Yoananda; Hafizi, Muhammad Riza; Wulandari, Diah
Jurnal Valuasi: Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan Vol. 4 No. 1 (2024): Jurnal Valuasi : Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan
Publisher : LP2M Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/vls.v4i1.239

Abstract

This research aims to analyze the influence of liquidity, institutional ownership, and tax avoidance on debt costs, both partially and simultaneously. The research method used in this research is a quantitative method with a comparative causal research type. The number of samples for this research is 14 samples obtained using a purposive sampling method from 75 populations of consumer goods industrial companies listed on the Indonesia Stock Exchange (BEI) in 2017-2021. The data processing method uses multiple regression analysis with the SPSS 25 program. The research results show that liquidity has a negative and significant effect on the cost of debt, institutional ownership has a negative and significant effect on the cost of debt, and tax avoidance has a negative and significant effect on the cost of debt. Based on the F test, all independent variables, namely liquidity, institutional ownership, and tax avoidance, show a joint influence on the dependent variable, namely the cost of debt. Based on the results of the analysis, both partially and simultaneously liquidity, institutional ownership, and tax avoidance have a significant influence on the cost of debt in consumer goods industrial companies listed on the IDX in 2017-2021
Profitabilitas unit usaha syariah dipengaruhi non performing financing, financing to deposit ratio, office channeling dan inflasi Susiana, Susiana; Hafizi, Muhammad Riza; Asianingrum, Al Hujjah; Wardana, Guntur Kusuma
Jurnal Cendekia Keuangan Vol 3 No 2 (2024): Oktober
Publisher : Universitas Islam Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32503/jck.v3i2.5197

Abstract

Unit usaha syariah atau UUS adalah unit usaha yang dibentuk oleh bank konvensional yang dalam kegiatan usahanya berdasarkan pada prinsip syariah, melalui sistem perbankan ganda (dual banking system). Ditemukan beberapa penelitian mengenai profitabilitas UUS dengan hasil yang berbeda dan periode sebelum tahun 2022. Sehingga perlu adanya pembaharuan dan keberlanjutan. Penelitian ini bertujuan untuk mengetahui pengaruh Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Office Channeling, dan inflasi terhadap profitabilitas unit usaha syariah. Metode penelitian ini adalah kuantitatif dengan jenis penelitian ex post facto. Populasi dalam penelitian ini adalah seluruh laporan keuangan unit usaha syariah yang terdaftar di Otoritas Jasa Keuangan (OJK). Sampel yang digunakan sebesar 26 data periode April 2020-Mei 2022, teknik pengambilan sampel dilakukan dengan menggunakan metode purposive sampling. Hasil penelitian menunjukkan bahwa NPF tidak berpengaruh terhadap profitabilitas unit usaha syariah. FDR tidak berpengaruh terhadap profitabilitas unit usaha syariah. Office channeling berpengaruh positif terhadap profitabilitas unit usaha syariah. Inflasi tidak berpengaruh terhadap profitabilitas unit usaha syariah. NPF, FDR, Office channeling dan inflasi secara bersama-sama berpengaruh terhadap profitabilitas unit usaha syariah.
Pengaruh good corporate governance terhadap kinerja keuangan bank syariah di Indonesia Darmawan, Mualim; Hafizi, Muhammad Riza; Geovani, Andrea
Jurnal Cendekia Keuangan Vol 3 No 1 (2024): April
Publisher : Universitas Islam Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32503/jck.v3i1.4967

Abstract

Dewan Pengawas Syariah (DPS) merupakan istilah umum yang digunakan di Indonesia untuk menyebut institusi pengawasan internal syariah di bank syariah sedangkan Komite Manajemen Risiko/Risk Management Committee (RMC) merupakan mekanisme pengawas risiko yang penting bagi Perusahaan. Penelitian ini bertujuan untuk mengetahui pengaruh Good Corporate Governance yang diukur dengan Dewan Pengawas Syariah dan Komite Manajemen Risiko terhadap kinerja keuangan bank syariah yang diukur dengan Return On Asset (ROA). Metode penelitian ini adalah kuantitatif dengan populasi yang digunakan dalam penelitian adalah perusahaan perbankan syariah dari tahun 2018 sampai tahun 2022, total sebanyak 35 sampel dan teknik pengambilan sampel dilakukan dengan menggunakan metode purposive sampling. Dari hasil penelitian menunjukkan bahwa variabel independen Dewan Pengawas Syariah tidak berpengaruh signifikan terhadap kinerja keuangan, sedangkan Komite Manajemen Risiko berpengaruh signifikan terhadap kinerja keuangan yang diukur dengan Return On Asset.
Influence Self-Service Technology Against Customer Satisfaction and Loyalty of PT. Bank Syariah Indonesia (BSI) in the City of Palangka Raya Hafizi, Muhammad Riza; Insani, Jihan Dwi; Misra, Isra
Borneo Islamic Finance and Economics Journal BIFEJ VOL. 4, NO.1, Juni 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/bifej.v4i1.8868

Abstract

Banking practitioners increasingly realize they can no longer serve customers with limited capabilities. Banking is also moving forward and collaborating to improve systems and strategies so that customers feel and prove to themselves that transactions with the help of technology make it easier. Starting from direct service carried out by employees, it becomes service independently without needing to go to the Bank first to make a transaction or something else. With the merger, the amount of capital has increased, so the use of BSI Mobile in Palangka Raya City should have developed and increased. This study aims to determine whether there is an effect of self-service technology on customer satisfaction of Indonesian Islamic banks in the city of Palangka Raya and whether there is an effect of self-service technology on customer loyalty to PT. Bank Syariah Indonesia (BSI) in the city of Palangka Raya and whether customer satisfaction affects customer loyalty. Indonesian sharia bank in the city of Palangka Raya. This study uses primary data obtained directly through a questionnaire. Taking the number of samples in this study using the purposive sampling method with the Slovin formula, and found as many as 100 respondents. This study uses quantitative analysis methods, and data is processed using SmartPLS version 4.0. This research proves that Self-Service Technology positively and significantly affects customer satisfaction by showing a coefficient value of 0.740 and a t-statistic of 9.872. Self-Service Technology has a positive and significant effect on customer loyalty, with a coefficient value of 0.341 and a t-statistic of 2.779. Moreover, customer satisfaction has a positive and significant effect on customer loyalty, with a coefficient value of 0.362 and a t-statistic of 2.910. And coefficient value Self-Service Technology on customer loyalty of 0.268 and t-statistics of 2.667. can also be interpreted as customer satisfaction as a variable intervening to play a full role.
Pengaruh Akuntabilitas dan Transparansi Terhadap Kepatuhan Muzakki dalam Membayar Zakat Profesi Safitri, Aulia Ramadhanti; Hafizi, Muhammad Riza; Himawan, Hilmi Satria; Mafrudhoh, Sokhifatul
Jurnal Bisnis Vol. 12 No. 1 (2024): Juni
Publisher : Sekolah Tinggi Ilmu Ekonomi dan Bisnis Perdana Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62739/jb.v12i1.69

Abstract

Tujuan: Tujuan penelitian ini adalah untuk menguji secara empiris pengaruh akuntabilitas dan transparansi terhadap kepatuhan muzakki dalam membayar zakat profesi dalam lingkup ASN di IAIN Palangka Raya. Metodologi/Pendekatan: Penelitian ini menggunakan metode kuantitatif dengan teknik pengambilan sampel berupa simple random sampling, melibatkan 70 responden yang merupakan ASN di IAIN Palangka Raya. Analisis data dilakukan menggunakan SPSS versi 26, mencakup analisis deskriptif, uji validitas, uji reliabilitas, uji asumsi klasik, analisis regresi linear berganda, serta uji hipotesis. Hasil: Hasil penelitian menunjukkan bahwa variabel akuntabilitas dan transparansi memiliki pengaruh positif dan signifikan terhadap kepatuhan muzakki ASN IAIN Palangka Raya dalam membayar zakat profesi. Implikasi Praktis: Penelitian ini memberikan rujukan bagi ASN dan unit pengelola zakat membuat kebijakan mengenai zakat penghasilan. Kebaruan: Penelitian ini akan berfokus pada analisis komponen yang dapat memberikan informasi dan data tentang zakat profesi di IAIN Palangka Raya.
Co-Authors Asianingrum, Al Hujjah Darmawan, Mualim Diah Wulandari Geovani, Andrea Halipah, Nor Himawan, Hilmi Satria Insani, Jihan Dwi Mafrudhoh, Sokhifatul Misra, Isra Nurmala, Putri Purwaningsih, Umi Putri, Danisha Yoananda Safitri, Aulia Ramadhanti Susiana Susiana Wardana, Guntur Kusuma