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Top Five Ranking of Sharia Financial Acades with the Potential of Fraud (Case Study of Three Sharia Commercial Banks) In North Sumatera M. Yasir Nasution; Andri Soemitra; Wilchan Robain
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 4, No 1 (2021): Budapest International Research and Critics Institute February
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i1.1644

The purpose of this study was to find the top five rankings of sharia finance contracts with the potential for fraud (case study of three sharia commercial banks) in North Sumatra. This research uses a combination of quantitative and qualitative research methods, data analysis with Analytical Networking Process (ANP) techniques through Super Decision Software, conducting open and in-depth interviews with 9 respondents, Focus Group Discussion (FGD) with practitioners and sharia finance experts. In this case, it was found that the top five rankings of sharia financial contracts have the potential for fraud (a case study of three sharia commercial banks) in North Sumatra, namely Ijarah 23.34%, murabahah 14.86%, kafalah or kafalah bil ujrah 8.71%, musyarakah 8.22% and mudharabah 6.28%.

Strategic Analysis (BAZNAS) SUMUT on Impossible Assistance and Development in Productive Zakat Management Asmuni Asmuni; Andri Soemitra; Ermi Suhartyni
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 4, No 1 (2021): Budapest International Research and Critics Institute February
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i1.1538

This research is motivated by the problem of Mustahik’s success rate in managing productive zakat at the National Amil Zakat Board (BAZNAS) North Sumatradid not show the results as expected. This research aims: 1) To know the Mustahik Mentoring and Mentoring Program in management productive zakat on the National Amil Zakat Board (BAZNAS) North Sumatra. 2) To analyze the strategy of the National Zakat Agency (BAZNAS) North Sumatra on Assistance and Guidance of Mustahik inmanagement productive zakat. 3) To analyze the strategy of the National Zakat Agency (BAZNAS) North Sumatra on Assistance and Guidance of Mustahik inmanagement productive zakat in accordance with the concept of sharia. The research method used is qualitative research methods, data collection through observation, interviews and documentation and questionnaires. The data analysis used is interactive analysis (Miles and Huberman) to analyze the potential of the National Zakat Agency. (BAZNAS) North Sumatra, Mentoring and Guidance program and Mustahik's perception. SWOT analysis as the basis for formulating the strategy of the National Zakat Agency (BAZNAS) North Sumatra in the productive Mustahik Assistance and Development program. The results show that Mustahik in managing productive zakat has not received assistance and guidance from the National Zakat Agency (Amil Zakat).BAZNAS) North Sumatra.

Implementation Strategy of the Mutanaqishah Musyarakah Academic at Home Ownership Financing in Sharia Banks in Indonesia Tuti Anggraini; M. Yasir Nasution; Andri Soemitra
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 4, No 2 (2021): Budapest International Research and Critics Institute May
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i2.1941

This research aims to: (1) Knowing the obstacles faced in implementing the Mutanaqisah Musharaka Financing (2) The solutions taken to overcome these obstacles; and (3) the right strategy to apply musyarakah mutanaqisah financing. This study uses the Analytic Network Process (ANP) method and the assistance of Super Decision software. ANP is carried out in three stages, namely: first, in-depth interviews with Islamic banking experts and practitioners to identify the factors that influence the minimum amount of musyarakah mutanaqisah. Second, the results of the first step are used to create an ANP framework and a questionnaire addressed to Islamic banking experts and practitioners; and third, ANP analysis to determine the best priorities, solutions and strategies for implementing Musyarakah mutanaqisah financing in Islamic banking.The results showed that: (1) The constraints faced by Islamic banking in implementing Musyarakah Mutanaqisah financing for Islamic banking KPRS financing can be divided into two, namely internal and external problems. Internal problems stem from internal banking, banking human resources, and musyarakah mutanaqisah financing products. External problems originate from customers, authorities, and Islamic banks. The most priority problem faced is internal problems, namely human resources (HR) associated with low knowledge and skills about the MMQ contract. Meanwhile, the most dominant external problem is Islamic banking with a lack of insight into the MMQ contract. (2) The solutions given in determining the financing strategy for the musyarakah mutanaqisah are divided into two, namely internal and external solutions. The most priority solution comes from internal solutions, namely product solutions in the form of Islamic banking that must vary the contract, especially for the MMQ contract; and (3) The alternative with the most priority in determining the financing implementation strategy with the musyarakah mutanaqisah contract in Islamic banking is the Socialization and Education Program, followed by Contract Optimization, Portfolio Development, Image Strengthening, MMQ Segmentation Mapping, and MMQ financing market segmentation.

STUDI LITERATUR CASH WAQF CROWDFUNDING DI INDONESIA Amin Al Jawi; Andri Soemitra
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 9 │ No. 1 │ 2022
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v9i1.10625

This study aims to reveal the concepts and motives behind the phenomenon of the development of the crowdfunding platform which is currently booming in Indonesia, especially cash waqf crowdfunding. Literature study, content analysis and descriptive qualitative are the types and approaches used in this research. The results showed that cash waqf crowdfunding is a type of donation crowdfunding which in Islam is included in the Islamic philanthropic scheme in addition to zakat, infaq, alms and qurban. The motivation for the crowdfunding platform is the empowerment of the poor with the spirit and approach of religion, humanity (social) and culture (gotong royong, NKRI and Bhinneka Tunggal Ika). Then there are 8 wakif motivations in cash waqf which are clustered into 3 aspects/approaches, namely religious aspects/approaches, including: (i) religious religiosity/emotional, (ii) empathy altruism, (iii) human interest, (iv) platform credibility. Socio-cultural aspects/approaches include: (i) reinforcement or social influencers, (ii) the spirit of gotong royong and Bhinneka Tunggal Ika. As well as aspects/approaches of information technology, including: (i) performance expectations, (ii) effort expectations, and (iii) facilitating conditions.

Analisis Kualitas Pelayanan Publik di Kantor Camat Percut Sei Tuan Novita Octavia; Andri Soemitra
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 1 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi, dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Pelayanan administrasi adalah pelayanan yang menghasilkan berbagai bentuk dokumen resmi yang dibutuhkan masyarakat seperti pengurusan izin (E-KTP, sertifikat tanah, pindah domisili, surat nikah, pengesahan kartu keluarga, dan kartu tanda penduduk), dan lain sebagainya. Tujuan dari penelitian ini adalah untuk tujuan dari penelitian ini adalah untuk mengetahui sejauh mana tingkat pelayanan administrasi di kantor kelurahan Percut Seituan. Metode yang digunakan dalam penelitian ini adalah. kualitatif dan jenis penelitian ini adalah deskriptif. Penelitian dengan menggunakan metode kualitatif dan tipe deskriptif bertujuan untuk memberikan gambaran tentang latar belakang dan hubungan yang kompleks menurut partisipan dan fenomena dari pandangan dan definisi partisipan Hasil penelitian menunjukkan bahwa standar pelayanan administrasi yang dilakukan oleh kecamatan Percut Seituan dinilai cukup baik Meskipun ada beberapa hal yang perlu diperbaiki ke depan, seperti sarana dan prasarana yang ada

Standar Pelayanan Admnistrasi di dinas Kependudukan dan Pencatatan Sipil (Disdukcapil) Deli Serdang Elma Fadilah; Andri Soemitra
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 1 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi, dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Pelayanan administrasi merupakan salah satu pelayanan publik yang diselenggarakan oleh pemerintah. Pelayanan Administrasi adalah seperangkat instrumen yang menyiapkan berbagai dokumen resmi yang diperlukan oleh negara. Penelitian ini bertujuan untuk mengkaji status pelayanan administrasi di Kantor Pendaftaran Dalam Negeri (DISDUKCAPIL). Metode penelitian yang digunakan dalam penelitian ini menggunakan metode kualitatif. Hasil penelitian menunjukkan bahwa pelayanan administrasi harian yang diberikan oleh Dinas Kependudukan dan Pendaftaran (DISDUCACPIL) di Serdong sangat baik. Namun ada beberapa hal yang perlu dibenahi di masa mendatang seperti: B. Lokasi yang tersedia dan produk yang tersedia.

ISLAMIC FINTECH COLLABORATION: INDONESIA'S ECONOMIC READINESS TOWARDS A NEW NORMAL ERA Elida Barus; Andri Soemitra
Proceeding International Seminar of Islamic Studies INSIS 2 (January 2021)
Publisher : Proceeding International Seminar of Islamic Studies

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The impact of the COVID-19 pandemic has an effect on the weak economy, so that the existence of Islamic microfinance institutions, especially Islamic cooperatives, has decreased with many obstacles.Therefore, various capital innovations are needed with Company to Company (C2C) collaboration.This collaboration needs to be supported by an accommodating system, so that its development can provide benefits to users, one of which is influenced by the use of financial technology in this case is Ammana.id, this is Islamicfintechwhich is also assisted by other actors such as regulators,conceptors, owners,entors.andsociety asparticipationby analyzing qualitatively, namely the development strategy of sharia cooperatives withfintechcollaboration with the interpretive structure modeling(ISM).This paper finds that the elements of actors, namely the Office of Cooperatives and Small and Medium Enterprises, are key elements so that it needs to be focused on developing sharia regulations which are then assisted by academics as a drafter in the development of Islamic microfinance institutions ..Keyword: collaboration, Sharia Financial Technology, economics, New Normal Era

Standar Pelayanan Admnistrasi di Dinas Kependudukan dan Pencatatan Sipil (Disdukcapil) Deli Serang Elma Fadilah; Andri Soemitra
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 2 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

Show Abstract | Download Original | Original Source | Check in Google Scholar

Pelayanan administrasi merupakan salah satu pelayanan publik yang diselenggarakan oleh pemerintah. Pelayanan Administrasi adalah seperangkat instrumen yang menyiapkan berbagai dokumen resmi yang diperlukan oleh negara. Penelitian ini bertujuan untuk mengkaji status pelayanan administrasi di Kantor Pendaftaran Dalam Negeri (DISDUKCAPIL). Metode penelitian yang digunakan dalam penelitian ini menggunakan metode kualitatif. Hasil penelitian menunjukkan bahwa pelayanan administrasi harian yang diberikan oleh Dinas Kependudukan dan Pendaftaran (DISDUCACPIL) di Serdong sangat baik. Namun ada beberapa hal yang perlu dibenahi di masa mendatang seperti: B. Lokasi yang tersedia dan produk yang tersedia.

PERAN EKONOMI ORMAS ISLAM DI INDONESIA, Sebuah Studi Literatur Burhanuddin Al-Butary; Andri Soemitra; Zuhrinal Nawawi
el-Amwal Vol 5, No 1 (2022): El-Amwal
Publisher : LPPM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/el-amwal.v5i1.6587

Hal yang menggembirakan bagi umat Islam, Indonesia meruapakan negara muslim terbesar di dunia, disusul secara berturut-turut oleh Pakistan, India, Bangladesh dan Turki. Logis bilamana terdapat banyak ormas Islam yang berperan di negeri ini. Namun tidak dapat dipungkiri peran ekonomi ormas Islam masih relatif kecil. Penelitian ini bertujuan untuk mengeksplor peran ekonomi ormas Islam di Indonesia. Jenis penelitian ini adalah studi literatur, dimana analisis konten dan kualitatif deskriptif merupakan jenis dan pendekatan yang digunakan dalam penelitian ini. Hasil penelitian ini menunjukkan : Pertama, belajar dari sejarah diketahui semangat dan keberanian gerakan ekonomi Islam yang dilakukan oleh tokoh pendiri ormas-ormas Islam di Indonesia pra era kemerdekaan, walaupun mereka selalu mendapat ancaman dari pemerintah Belanda, oleh ormas Islam misalnya Serikat Dagang Islam (SDI), Muhammadiyah dan Nahdlatul Ulama (NU). Kedua, masa Indonesia meredeka dan hingga saat ini organisasi-organisasi kemasyarakatan (ormas) Islam yang tumbuh berkembang dari waktu ke waktu pada umumnya masih belum mampu mandiri secara ekonomi, di antara ormas Islam dimaksud adalah Nahdlaatul Ulama, Muhammadiyah, dam Al Jam’iyatul Wahliyah. Dari hasil penelitian ini diharpkan agar ormas Islam memiliki strategi untuk dapat lebih berperan maju dan modern Islami dalam bidang ekonomi yang dikelola oleh organisasi nir laba.

STUDI LITERATUR PERAN PEMBIAYAAN PERBANKAN SYARIAH DALAM PEMBERDAYAAN UMKM DI INDONESIA PADA MASA COVID 19 Arpizal Arpizal; Andri Soemitra
HUKUMAH: Jurnal Hukum Islam Vol 5, No 2 (2022)
Publisher : STAI Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55403/hukumah.v5i2.376

The role of Islamic banks in empowering MSMEs in Indonesia has been proven in variousstudies. However, whether Islamic banks still play a role in empowering MSMEs during theCOVID-19 pandemic is a question in this study. This literature study aims to answer researchquestions by describing the role of Islamic banks in empowering MSMEs during the COVID-19 pandemic in Indonesia. Data from 60 articles that have been analyzed with the results ofmapping the four main themes contained in the article. There are 36 articles that support thefact that Islamic banks play an active role in empowering MSMEs during the covid 19 period.The role of Islamic banks in empowering MSMEs is through financing that is carried out byproviding various payment facilities and relaxation. Besides that, Islamic banks also provideassistance by providing knowledge about how to develop business innovation, product qualityin the face of the covid 19 pandemic.

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