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ANALISIS FAKTOR KESADARAN LITERASI KEUANGAN SYARIAH MAHASISWA KEUANGAN DAN PERBAKAN SYARIAH Nasution, Anriza Witi; Fatira, Marlya
EQUILIBRIUM Vol 7, No 1 (2019): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v7i1.4258

This study aims to determine the factors that influence the financial literacy awareness of sharia financial and banking students in North Sumatra and also to find out the main factors that can influence that awareness. This study uses quantitative methods. The analytical tool used in this study is factor analysis. The subject of this research is students of Islamic finance and banking study programs in North Sumatra. The total sample of this study was 219 students using random sampling techniques. The results of the study indicate that there are four factors that influence the financial literacy awareness of students in Islamic finance and banking study programs in North Sumatra. The first factor is parents, the second factor is knowledge, the third factor is economic behavior, and the fourth factor is gender and information technology. While the main factors that can build financial literacy awareness of students in Islamic finance and sharia banking programs in North Sumatra are father's education, mother's education, and parents' income.

Boosting The Welfare of Business Community: Implementing The Model of Islamic Micro Bank of Waqf in Pesantren Fatira, Marlya; Nasution, Anriza Witi
AL-FALAH : Journal of Islamic Economics Vol 4, No 1 (2019)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v4i1.771

Purpose: The Paper is to study the Ability of micro waqf bank (BWM) in boosting The Welfare of Community Business Group at the Islamic Boarding School.Design/Method/Approach : This study uses a descriptive analysis. It intensively Implemented a qualitative approach to obtain information and collected the data needed through conducting interviews directly with informants. Both Observation and library study also applied to extent the secondary data. These methods were conducted to look at the Micro waqf bank model in Islamic boarding schools in Java of whether is able in boosting The Welfare of Business Community around the Islamic boarding school.Findings: The Islamic Boarding School-based Micro-Waqf Bank Model in Java that was applied for community empowerment was carried out a productive financing models in order to make communities able to manage the business--with a financing value of 1-3 million rupiah, within a maximum period of 1 year and payment per week with a maximum margin value equal to 3%. Building a Micro Waqf Bank in the Pesantren can perform through collecting a set of data of cooperative business entities in boarding schools, obtaining LKMS business licenses, obtaining funding for the establishment of BMW, selecting financing customers, and conducting training for selected customers of BWM financing.Originality/Values: The main contribution of this study concern on filling the gap of how the micro bank of waqf efectivelly boost the welfare the bussiness community in pesantren.

FAKTOR PEMBENTUK PERSEPSI WAKAF TUNAI PADA MASYARAKAT MUSLIM DI KOTA MEDAN Nasution, Anriza Witi; Susilawati, Susilawati; Roslina, Roslina
JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Vol. 7 No. 2 (2021): Jurnal Syarikah
Publisher : Program Studi Ekonomi Islam FEI UNIDA Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jsei.v7i2.4820

Tujuan penelitian ini adalah untuk mengetahui persepsi masyarakat muslim Kota Medan terhadap wakaf tunai. Penelitian ini menggunakan metode kuantitatif untuk menemukan faktor yang mempengaruhi persepsi masyarakat kota medan terhadap wakaf tunai dengan menggunakan alat bantu analisis yaitu analisis faktor untuk mengolah data dari kuisioner yang disebarkan kepada responden. Pemilihan responden dilakukan dengan menggunakan random sampling method. Hasil penelitian menunjukkan bahwa faktor utama yang mempengaruhi persepsi masyarakat kota medan terhadap wakaf tunai adalah pengetahuan tentang wakaf tunai, sedangkan kepercayaan terhadap Lembaga pengelola wakaf, media informasi tentang wakaf tunai, dan juga cara pembayaran wakaf tunai yang dapat digunakan merupakan faktor pendukung. Â Â Â

Boosting The Welfare of Business Community: Implementing The Model of Islamic Micro Bank of Waqf in Pesantren Marlya Fatira; Anriza Witi Nasution
AL-FALAH : Journal of Islamic Economics Vol 4, No 1 (2019)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v4i1.771

Purpose: The Paper is to study the Ability of micro waqf bank (BWM) in boosting The Welfare of Community Business Group at the Islamic Boarding School.Design/Method/Approach : This study uses a descriptive analysis. It intensively Implemented a qualitative approach to obtain information and collected the data needed through conducting interviews directly with informants. Both Observation and library study also applied to extent the secondary data. These methods were conducted to look at the Micro waqf bank model in Islamic boarding schools in Java of whether is able in boosting The Welfare of Business Community around the Islamic boarding school.Findings: The Islamic Boarding School-based Micro-Waqf Bank Model in Java that was applied for community empowerment was carried out a productive financing models in order to make communities able to manage the business--with a financing value of 1-3 million rupiah, within a maximum period of 1 year and payment per week with a maximum margin value equal to 3%. Building a Micro Waqf Bank in the Pesantren can perform through collecting a set of data of cooperative business entities in boarding schools, obtaining LKMS business licenses, obtaining funding for the establishment of BMW, selecting financing customers, and conducting training for selected customers of BWM financing.Originality/Values: The main contribution of this study concern on filling the gap of how the micro bank of waqf efectivelly boost the welfare the bussiness community in pesantren.

Preparing Islamic Human Resources Competencies as Generation of Digital Bankers in Polytechnics Vocational Education Marlya Fatira; Anriza WitI Nasution; Ismi Affandi
AJIS: Academic Journal of Islamic Studies Vol 4, No 1 (2019)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/ajis.v4i1.686

The development of the 4.0 industrial revolution is now increasingly real and has an impact on all aspects of human life. Human behavior in carrying out activities for their lives is done digitally. This situation has made all industries including the banking industry adapt to provide the best service to customers through digital service transactions. The need for young professionals of digital bankers is a necessity in the present, therefore vocational colleges are in the form of Polytechnics such as Politeknik Negeri Medan. The Islamic banking and finance study program as at Politeknik Negeri Medan, now need to make adjustments to the preparation of sharia human resources as a generation of digital bankers through the Islamic banking industry through graduate competency can be in accordance with the current needs of the labor market. This study describes the views of alumni from who have worked in Islamic banking. The alumnies explain the competencies needed and are required to have them as bankers in the current digital era. Data collected is primary data obtained through in-depth interviews with informants as many as 4 people. The information received is then analyzed with the conditions in the study program curriculum at the islamic banking and finance study program. Then analyzed to courses, teaching method. Research result that the study program must be prepared alumni to be digital bankers are competencies in the understanding of Islamic bank transaction agreements, competencies as tellers and sharia bank customer service, competence as analysts Islamic bank financing, competency as funding officer and financing officer of Islamic banks. Providing a curriculum that is in accordance with SKKNI, provides courses with the latest content and with learning methods that are tailored to practical needs with current cases. Submission of the learning method is accompanied by the practice of each course as much as a minimum of 50%.

IDENTIFIKASI KEBUTUHAN PEMBIAYAAN SYARIAH PETERNAK LEMBU DI DELI SERDANG Marlya Fatira AK; Anriza Witi Nasution; Tuti Kurnia
Asy-Syari'ah Vol 22, No 2 (2020): Asy-Syari'ah
Publisher : Faculty of Sharia and Law, Sunan Gunung Djati Islamic State University of Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/as.v22i2.9684

Abstract: This research identifies the needs of cattle breeders for Islamic financing for cattle business development to provide solutions to problems faced by breeders in Deli Serdang Regency, North Sumatra, especially in obtaining access to capital through Islamic financial institutions. The condition of the breeders included in the non-bankable criteria and did not have the 5 C criteria (character, capacity, collateral, capital, and conditions of economic), which are the main requirements for distribution of financing. One way to provide a solution to this problem is by providing easy access for farmers to obtain financing from LKMS with the most appropriate financing schemes and models for farmer business activities. In order to reach this stage, it is necessary to identify the needs of breeders. The research method used is a qualitative approach. Data were collected based on primary sources in the form of interviews with breeders, LKMS around Deli Serdang Regency. The results showed the main needs (needs) of breeders in managing their livestock business to be successful where the availability of capital during the maintenance period, the need for knowledge and skills in processing potential waste from livestock manure to become business and additional income from livestock management, the availability of routine health assistants. Conduct visits to help and provide counseling and control the health of livestock. The Islamic financing model for cattle breeders shows very promising business potential and opportunities for both parties of Islamic cooperatives and cattle breeders. The welfare opportunities formed in a multiplier manner from the sharia financing model for cattle breeders and sharia cooperatives based on investment with a yield within 42 months reach an equivalent rate of 72.5%.

PENGARUH KARAKTERISTIK MAHASISWATERHADAP EFEKTIVITAS PEMBELAJARAN MATA KULIAH PRAKTIK PERBANKAN SYARIAH DENGAN METODE PRAKTIK BEROTASI Anriza Witi Nasution; Marlya Fatira AK
Ekonis: Jurnal Ekonomi dan Bisnis Vol 17, No 1 (2017): JURNAL EKONOMI DAN BISNIS (EKONIS)
Publisher : Politeknik Negeri Lhokseumawe

Penelitian ini bertujuan agar dilakukan kebijakan untuk menggunakan metode pembelajaran praktik berotasi sesuai dengan karakter mahasiswa sehingga pembelajaran belangsung dengan efektif. Target khusus penelitian ini adalah diketahuinya pengaruh karakter mahasiswa terhadap efektifitas pembelajaran mata kuliah praktik perbankan syariah dengan model berotasi dan karakter bagaimana yang paling efektif menggunakan metode tersebut. Metode pengolahan data pada penelitian ini adalah menggunakan uji beda paired sampel t-test. Hasil Penelitian menunjukkan Karakter mahasiswa tidak berpengaruh secara signifikan terhadap terhadap efektifitas pembelajaran mata kuliah praktik perbankan syariah dengan metode praktik berotasi dibandingkan metode praktik konvensional, Metode praktik berotasi pada mata kuliah praktik perbankan syariah dan efektif memberikan pemahaman kepada mahasiswa dengan karakter introvert maupun ekstrovert serta mampu membentuk nilai mahasiswa pada matakuliah prakik bank syariah dengan sangat baik, Metode praktik konvensional pada mata kuliah praktik perbankan syariah mampu membentuk pemahaman mahasiswa tentang kegiatan perbankan syariah namun belum efektif untuk membentuk nilai pemahaman mahasiswa dengan sangat baik. Kata Kunci: Karakteristik, Mahasiswa, Efektivitas, Pembelajaran, Praktik, Perbankan, Syariah, Berotasi

Implementasi Ijtihad Ittiba’ dan Talfiq Dalam Ekonomi Islam Anriza Witi Nasution; Sudirman Suparmin; Tuti Anggraini
Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Vol. 3 No. 2 (2022): April 2022
Publisher : CERED Indonesia Institute

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

Human life and its concepts continue to change along with the times, which causes the needs and problems of life to also develop. Various new problems, especially in the field of economics, which have not been answered in the era of previous scholars, have led to the need for ijtihad as a solution. On the other hand, we cannot be separated from doing ittiba' and talfiq in economic activities in order to avoid prohibited acts. Knowing the implementation of ijtihad, ittiba', and talfiq in Islamic economics is done through qualitative research using the literature study method. From the results of the literature review, it was found that the implementation of ijtihad, ittiba', and talfiq in Islamic economics has been carried out. The implementation of ijtihad is carried out through the issuance of fatwas by Ulama, ittiba' such as avoiding usury is implemented through the use of Islamic financial institutions, while talfiq is implemented through the sale and purchase of foreign currencies.

STRATEGI PENINGKATAN “CASA” DALAM MENURUNKAN PRICING DANA DI BANK SYARIAH Jihan Khairunisa; Muslim Marpaung; Anriza Witi Nasution
Jurnal Bilal: Bisnis Ekonomi Halal Vol. 1 No. 1 (2020): Edisi Juni 2020
Publisher : Politeknik Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (441.816 KB)

Penelitian ini berjudul “Strategi Peningkatan CASA dalam Menurunkan Biaya Dana di PT Bank Sumut Syariah”. Permasalahan muncul dimana sumber dana pihak ketiga perbankan syariah masih didominasi oleh dana mahal, yaitu deposito, dan ketertarikan masyarakat terhadap profit oriented mengakibatkan biaya dana yang ditanggung perbankan syariah relatif tinggi. Komposisi CASA PT Bank Sumut Syariah menunjukan adanya peningkatan setiap tahunnya dengan melakukan hard selling dan membuat program yang dapat menarik perhatian masyarakat. Dalam merumuskan strategi peningkatan CASA, penelitian ini menggunakan metode kualitatif dan kuantitatif dengan menerapkan Analisis SWOT dengan memperhatikan faktor-faktor internal dan eksternal. Analisis matrik IFAS diperoleh total nilai dari faktor internal adalah sebesar 3,1 dan dari matrik EFE diperoleh total nilai dari faktor internal sebesar 2,7. Dari evaluasi faktor internal dan eksternal dapat disimpulkan bahwa faktor internal lebih besar dan berada di kuadran 1 menunjukan situasi yang menguntungkan untuk melakukan kebijakan strategi yang agresif disaat keadaan global dikarenakan wabah pandemic dengan menjadikan ancaman sebagai peluang dalam menjalin kerjasama dengan industri perbankan dan fintech dalam penggunaan teknologi.

Monopoli dalam Perspektif Ekonomi Islam Anriza Witi Nasution; Rahmad Azahar Siregar; Isnaini Harahap
Jurnal Ilmiah Universitas Batanghari Jambi Vol 22, No 2 (2022): Juli
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/jiubj.v22i2.2090

Monopoly is one of a form of market failure. Monopoly have a positive or negative impact. The positive impact of monopoly will only be obtained by greedy producers in the form of profit maximization. Meanwhile, the negative impact on small businesses and consumers can make a destruction of society. Small businesses will not be able to survive in a monopoly market, while consumers will experience a scarcity of goods and services due to monopoly. The impact of monopoly, which is a derivative of the capitalist economic system, is felt by consumers, so the emergence of an Islamic economy provides new hope for economics. This study aims to describe the Islamic view of monopoly. This type of research is library research using descriptive qualitative methods. Data were obtained from various secondary data sources related to monopoly. The results of this study indicate that in Islamic terminology there is no concrete term monopoly, but monopoly is almost similar to ikhtikar. Basically, monopoly that shows indications of ikhtikar is a prohibited category of monopoly, although there are still differences of opinion among mujtahid regarding the law of ikhtikar, whether it is haram or makruh. The mujtahid then gave the conditions for ikhtikar which were prohibited based on the hadith about ikhtikar. The Islamic government led by the Prophet Muhammad also implemented a monopoly, but it was not a monopoly that was categorized as ikhtikar. The monopoly applied by the Prophet Muhammad is the control of the state over state assets that contain the livelihood of many people

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