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Studi Literature General Issu Lembaga Keuangan Non Bank Syariah di Indonesia Roos Nelly; Andri Soemitra
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 3 No 4 (2022): El-Mal : Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (965.956 KB) | DOI: 10.47467/elmal.v3i4.1056

Abstract

The development of Islamic non-bank financial institutions in Indonesia encourages the development of research on issues that develop in Islamic NBFIs. The literature study used to explore and describe the literature to answer research questions. By using the keyword "Islamic non-bank financial institutions" in the Publish or Perish program to help search the literature, found 30 articles with a search year spanning 2015-2021. The research data were analyzed in terms of content to group the data on certain themes. The research findings classify general issues related to Islamic NBFIs which consist of: Management, Understanding and introduction, Akad, Functions and Roles, Law, Principles, Norms, Accounting for Islamic NBFIs, Financial Performance, Financing and Operational Analysis, Opportunities and Challenges of Islamic NBFIs and Resources Humans in sharia NBFIs. Another important finding is that there are publications related to each type of Islamic non-bank financial institution. Where the theme of sharia insurance as the most researched theme with a total of 10,700 publications. Furthermore, the theme of Islamic LKM is in second place with the number of publications of 5,940 and followed by the theme of Sharia Pawnshops with the number of publications of 5,660. While other themes are still minimal in number of publications, thus providing space for future research to fill in the blanks on the themes offered. Keywords: General Issues, Sharia NBFIs, Literature Studies
Studi Literatur Peran Lembaga Keuangan Mikro Syariah Dalam Meningkatkan Kesejahteraan Muhammad Arfan Harahap; Andri Soemitra
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 4 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (305.516 KB) | DOI: 10.47467/alkharaj.v4i4.889

Abstract

This study aims to investigate the contribution of Islamic microfinance institutions in an effort to promote public welfare based on a selected literature review. The findings of this study unravel the gaps in the Islamic microfinance literature regarding the existence of Islamic microfinance institutions. The research design was carried out by collecting selected literature from the Scopus database and conducting a literature study on the research data. There are 25 articles with research results that strengthen the existence of Islamic financial institutions that contribute to efforts to promote prosperity. This is a new fact that LKMS can be used as a solution to poverty alleviation with its various unique characteristics. This study also found that the State of Malaysia was in first place in the publication of articles related to LKMS and was followed by the State of Indonesia. This study recommends that future research analyzes the comparative contribution between Islamic banks and Islamic microfinance institutions. Keywords: Islamic Microfinance Institutions, Literature, Welfare
Studi Literatur Skema Pembiayaan Lembaga Keuangan Mikro Syariah Irvan Murizal; Andri Soemitra
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (333.488 KB) | DOI: 10.47467/alkharaj.v4i5.997

Abstract

Financing schemes carried out by Islamic microfinance institutions continue to face challenges with the development of these institutions. A unique financing scheme with a prohibition on interest-based financing. The literature study used in this study used data in the form of Scopus indexed articles. Data containing content related to financing schemes for Islamic financial institutions was selected with a total of 18 articles. Furthermore, the stages of research are carried out as described in the research methodology. The findings of this study describe two main financing schemes carried out by Islamic financial institutions, namely: The first scheme is Profit and Loss Sharing (PLS) with mudharabah, musyarakah, muzara'ah and muzaqat contracts. The second scheme is non-PLS, which includes murabahah, bai' salam, ijarah and qard al-hasanah. Other findings in this study describe Islamic MFI financing schemes in several countries such as: in Indonesia there are two financing principles in Islamic MFIs, namely equity financing using PLS mechanisms such as: mudharabah and musyarakah. The second principle is debt-based financing using a non-PLS mechanism. While in Bangladesh the Grameen Bank model was developed, but it is considered not to meet Islamic sharia because it still uses interest. Furthermore Kalanjiam financing scheme in India which is quite successful. Finally, in Latin America and Africa, the village bank model has been successfully implemented in accordance with sharia in Jabal al Hoss, Syria. Keywords: LKMS, Financing, Literature Study
Dinamika Pemilihan Variabel Input-Output Pada Penelitian Efisiensi Perbankan Syariah di Indonesia Syachrul Wahyudi; Andri Soemitra
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 6 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (172.811 KB) | DOI: 10.47467/alkharaj.v4i6.1035

Abstract

Islamic banking is the backbone of a justice economy. Economic growth requires efficient Islamic banking, costly and profitly. This paper is a literature review that aims to investigate the dynamics of input and output variables in Islamic banking efficiency research in Indonesia. The sample data used were 65 journal papers selected purposively with the initial assistance of the Publish or Perish software. The time span of the publication year of the sample paper is 2007-2021. The analytical method used is bibliometric and content analysis. From the results of the analysis found the existence of dynamics in the selection of input and output variables in research on the efficiency of Islamic banking in Indonesia. There is a tendency for research on the efficiency of Indonesian Islamic banking that leads to the selection of approaches , certain input variables and output variables, namely the intermediary approach. Deposits, labor costs, fixed assets, operational costs, and total assets became the five main rankings of the input variables chosen by researchers throughout the year of publication. From the output point of view, financing and operating income are the two dominant variables that are often used. The selection of methods, approaches, and input-output variables of Islamic banking efficiency research is highly dependent on the level of preference of each researcher. In the end, there were at least two gaps that were found, which could become opportunities for future research on the efficiency of Islamic banking, namely: 1) not absorbing the elements of banking modernity, and 2) not touching the Islamic values ​​that inherently becomes the face of Islamic banking in the implementation of daily operations. Keywords: Islamic banking, Literature review, Input variable, Output variable, Efficiency
Analysis of The Influence of Attitudes and Perceptions on Decisions to Use Sharia Fintech Peer to Peer Lending in Indonesia with Satisfaction As an Intervening Variable Dedy Dwi Arseto; Andri Soemitra
Reslaj : Religion Education Social Laa Roiba Journal Vol 4 No 4 (2022): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1024.598 KB) | DOI: 10.47467/reslaj.v4i4.1048

Abstract

This study aims to examine the Influence of Attitudes and Perceptions on Decisions to Use Sharia Fintech Peer To Peer Lending in Indonesia. With Satisfaction as an Intervening Variable. Data analysis in this research is quantitative analysis using Partial Least Square (PLS) analysis test tool. The object of this research is Peer To Peer Lending Syariah Fintech users in Indonesia. The sample was taken using the proportioned cluster sampling method, where the sample taken was only Sharia peer-to-peer (P2P) fintech users up to 100 samples. From the results of the research conducted, it shows that Attitudes, Perceptions affect the satisfaction of Fintech Syariah Peer To Peer Lending in Indonesia. Satisfaction affects the decision to use Sharia Fintech Peer To Peer Lending in Indonesia. Attitude influences the satisfaction of Fintech Syariah Peer To Peer Lending in Indonesia. Perception does not affect the decision to use Sharia Fintech Peer To Peer Lending in Indonesia. Satisfaction can mediate the relationship between attitudes towards the decision to use Sharia Fintech Peer To Peer Lending in Indonesia. Satisfaction can mediate the relationship between perceptions of decisions to use Sharia Fintech Peer To Peer Lending in Indonesia.
Pengaruh Pemahaman Investasi dan Pelatihan Pasar Modal terhadap Minat Investasi Mahasiswa di Pasar Modal Syariah dengan Motivasi sebagai Variabel Intervening Deksa Imam Suhada; Andri Soemitra; Rahmat Daim Harahap
MES Management Journal Vol. 2 No. 1 (2023): MES Management Journal 
Publisher : MES Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1111.282 KB) | DOI: 10.56709/mesman.v2i1.55

Abstract

The capital market is one of the indicators in improving the economy of a country. With the rapid development of the capital market and can be used as an alternative to invest for students of the Islamic Economics study program at UIN North Sumatra. This study aims to determine the effect of understanding investment and capital market training on student investment interest in the Islamic capital market and to determine the effect of understanding investment and capital market training on student investment interest in the Islamic capital market through motivation. The population in this study was 806 with a sample of 230 students. The results of this study indicate that the exogenous variables of understanding investment, capital market training and motivation have an effect on student investment interest in a combined manner with a coefficient of determination (R2) of 51.7% in sub structure I. Exogenous variables of understanding investment and capital market training have an effect on motivation. combined with the coefficient of determination (R2) of 47.0% in sub structure II. It is hereby stated that investment understanding and capital market training have an effect on investment interest with motivation as an intervening variable. Keywords : Investment, Capital Market Training, Investment Interest
Pengaruh Technolgy Acceptance Model terhadap Minat Mahasiswa Menggunakan Quick Response Code Indonesian Standard (QRIS)  sebagai Cashless Society Wirda Seputri; Andri Soemitra; Nur Ahmadi Bi Rahmani
MES Management Journal Vol. 2 No. 1 (2023): MES Management Journal 
Publisher : MES Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (909.42 KB) | DOI: 10.56709/mesman.v2i1.57

Abstract

The purpose of this study was to determine the effect of perceived trust, perceived benefits, perceived ease of use, and perceived risk on interest in using QRIS as a digital payment instrument. This study uses a quantitative approach. Collecting data using a questionnaire with a simple random sampling technique as many as 98 respondents. Perceived trust, perceived benefits, perceived ease of use and perceived risk have a contribution of 71% to interest in using QRIS, the remaining 29% is explained by other variables outside this research model. The results of the t-test concluded that the variables of perceived trust, perceived benefits, perceived ease of use and perceived risk had a positive and significant effect on interest in using QRIS in Febi Uinsu Medan students. Based on the ANOVA test, the F-count obtained is 60.471 which is greater than the F-table (2.47), the results of the hypothesis indicate that the variable perception of trust with a sign value of 0.000, perceived ease of use with a sign value of 0.033, perceived usefulness with a sign value of 0.13, and the perception of the risk of the 0.000 sign partially affects the interest in using QRIS. So it can be concluded that the perception of trust, perceived benefits, perceived ease of use and perceived risk simultaneously influence the interest in using Quick Response Code Indonesian Standard (QRIS) as a digital payment instrument. Keywords: Consumer Perception, Interests, Qris, Digital Payment Instruments.
Pengaruh Pump and Dump, Sentimen, dan Rumor Pasar terhadap Keputusan Berinvestasi di Pasar Modal Indonesia: Andika Ahmad Fauzi; Andri Soemitra; Rahmat Daim Harahap
Da'watuna: Journal of Communication and Islamic Broadcasting Vol 2 No 4 (2022): Da'watuna: Journal of Communication and Islamic Broadcasting 
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (540.41 KB) | DOI: 10.47467/dawatuna.v2i4.2290

Abstract

This study was conducted to determine the effects of pump and dump, sentiment and market rumors on the decision of GIS UINSU investors to invest in the Indonesia capital market. The data collection technique used is by distributing questionnaires. The sampling technique used is Simple Random Sampling. The analytical techniques used in this research are validity test, reliability test, classical assumption test, multiple linear regression analysis, and hypothesis testing using SPSS version 25. The results of this study indicate that pump and dump and market rumors have no effect on investment decisions, while sentiment affects the decision to invest in the capital market. Then the results of the F test are obtained which show that pump and dump, sentiment, and market rumors simultaneously influence the decision of UINSU GIS investors to invest in the Indonesia capital market simultaneously. Keywords: Pump and Dump, Sentiment, Market Rumors, Investing Decision
Strategi Pensiunan Perkebunan PT Socfin Indonesia Socfindo Dalam Kelangsungan Hidup Pasca Pensiun di Desa Dengon Sari Atika Nadila; Andri Soemitra; Anggita Utami; Amin Rahmad Panjaitan; Istiqomah Ayu Syahputri
Reslaj : Religion Education Social Laa Roiba Journal Vol 5 No 5 (2023): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (713.736 KB) | DOI: 10.47467/reslaj.v5i5.2239

Abstract

Retirement is an old age guarantee and in return for employees who have devoted years to PT. Socfindo. In the end it became the duty of each individual to try to guarantee his parents' day, and for this each PT. Socfindo employee is obliged to enter into the participant of a social insurance agency formed by PT. Socfindo. As pension is not only a guarantee of the old days but also a recompension of the benefits, PT. Socfindo gives his employees severance. The frequent effect of retirement is that one's unpreparedness faces retirement. Such conditions are also usually followed by changes, physical setbacks, and setbacks. Retirement is the end of a person's life pattern in his working life, or it can be referred to asa transition to a new life pattern. Key Words: Retired, Welfare In Life, PT. Socfindo Employee.
APPLICATION OF HALAL VALUE CHAIN MANAGEMENT PRINCIPLES IN BAKERY AND CAKE AT PADANGSIDIMPUAN CITY Ade Khadijatul. Z Hrp; Andri Soemitra; Zuhrinal M. Nawawi; Rahmat Rahmat
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 11, No 1 (2023)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v11i1.6807

Abstract

 AbstractNot only does Halal certification provide superior legal protection for Muslim consumers' rights to non-halal products, but it also increases the selling value of business actors' products because consumers are more willing to buy goods from them. Inconsistencies in the halal value chain will result from the use of different local halal value chain standards, particularly logistics that are not aligned with international halal logistics standards. The purpose of this study is to explain the application of halal value chain management to processed bakery and chake products in Padangsidimpuan City using an empirical descriptive approach. The following processes are included in the implementation of halal value chain management for halal-certified bakery and chake products in Padangsidimpuan City: a. purchasing, b. acceptance, c. production, d. warehousing, e. distribution, and f. the product is not used up. That the majority of bakery and chake businesses have implemented halal value chain management in their operations. Furthermore, all stakeholders in the halal certification process receive valuable input.