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Pengaruh Kebijakan Struktur Modal terhadap Kinerja Emiten Syariah di Jakarta Islamic Index Muhammad Arif
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 8, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v8i2.3213

Penelitian ini bertujuan untuk menganalisis kebijakan struktur modal terhadap kinerja emiten di Jakarta Islamic Index (JII). Struktur modal pada emiten penerbit saham syariah berbeda dengan emiten non syariah karena adanya pembatasan utang berbasis bunga terhadap aset perusahaan yang diterapkan saat screening saham syariah. Metode yang digunakan adalah kuantitatif deskriptif verifikatif melalui pendekatan Partial Least Square (PLS). Populasi penelitian adalah seluruh emiten yang terdaftar di JII periode 2014 s.d 2018. Sampel yang digunakan adalah emiten yang konsisten terdaftar pada JII. Hasil penelitian membuktikan bahwa struktur modal yang digunakan oleh emiten syariah di JII memiliki pengaruh positif sebesar 52.1%. Hasil ini membuktikan bahwa emiten syariah di JII boleh mempergunakan komponen struktur modal yaitu utang dengan syarat harus dapat mendorong kinerja perusahaan dan bilamana utang yang digunakan hanya sebagai komponen pendorong nilai perusahaan (harga saham) tanpa dibuktikan dengan kinerja maka hasil yang didapatkan akan berdampak negative, hasil ini sesuai dengan trade off theory. Abstract This study aims to analyze the capital structure policy on the performance of issuers listed on the Jakarta Islamic Index (JII). The capital structure of Islamic stock issuers has different from non-Islamic issuers due to interest-based debt restrictions on company assets applied at the screening of Islamic stocks. The method used in this research is quantitative descriptive verification, which is analyzed the Partial Least Square (PLS). The population is all issuers registered in the JII for the period 2014 to 2018. The sample used that are consistently listed on the JII. The results study prove that the capital structure used by Islamic issuers in the JII has a positive effect of 52.1%. The results of this study prove that Islamic issuers in the JII may use the capital structure component, namely debt on the condition that it is able to encourage company performance and if debt is used only as a driving component of firm value (stock price) without being proven by performance, the results obtained will have a negative impact, this study are in accordance with the trade off theory.

THE ROLE OF ZAKAT IN ISLAMIC ECONOMIC DEVELOPMENT siti berlian; indah permatasasri; Windari windari; muhammad arif
Journal Of Sharia Banking Vol 3, No 1 (2022): Perbankan Syariah
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v1i1.5761

The obligation of zakat in Islam has a fundamental significance, other than closely related to aspects of divinity, is also closely related to the economic and social problems. Zakat became one of the instruments of collective social welfare achievement. But in reality, the economic potential of this promising and well-being not optimally managed, professional and accountable. This article offers an analysis of the charity as an instrument of economic development of the welfare of the Ummah with the first show reviews historicity zakat. Zakat as an instrument ekonommi and welfare of the community, efforts to optimize its management becomes a necessity because it is one of the pillars of Islam dimension ubudiyyah, ijtimaiyyah and iqtishadiyyah, which can contribute to enhancing the welfare of society and the stranding - rope of love between man (hablunminannas) as well as liaison komunikasi a servant to his Lord (hablunminallah).

Waqf Behavior During The Covid-19 Pandemic Darwis Harahap; Muhammad Arif; Nando Farizal; Mutiara Nauli
Jurnal Iqtisaduna Proceeding of International Conference on Islamic Economics and Business 2020
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v1i1.22354

Waqf is one of the instruments that are highly expected, even productive and the results can help the economy, education, and even the welfare of the community during the current COVID-19 pandemic. This is in stark contrast to the results of accumulating waqf in Indonesia which are still low compared to their potential. This study aims to look at the behavior of waqf in donating one's assets during the COVID-19 pandemic. This study uses descriptive quantitative analysis using the Theory of Planned Behavior approach. The data used in this study are primary data obtained through giving questionnaires to respondents. The hypothesis of this study was tested using Partial Least Square (PLS) analysis. The results of this study indicate that the variables of subjective norms, behavioral control, and religious commitment have an influence on waqf behavior during the COVID-19 pandemic. Meanwhile, attitudes and knowledge variables have no influence on waqf behavior. The implication of this research can be input for campuses, institutions or waqf management foundations to be able to increase waqf literacy which can support the interest of waqif in giving waqf in a pandemic or in the future.

Analysis Of The Behavior Of Using Mobile Banking Services For Students Abdul Nasser Hasibuan; Muhammad Arif; Nurhalimah Lubis; Putri Bunga Meiliana Daulay
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 10, No 2 (2022)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v10i2.6522

Abstrak Penelitian ini bertujuan untuk menjelaskan analisis perilaku penggunaan layanan mobile banking pada mahasiswa se-Sumatera Utara dengan pedekatan : technology acceptance model baik secara simultan maupun parsial. Sampel yang digunakan sebanyak 450 responden mahasiswa dengan teknik pengambilan sampel mengunakan teknik proportioate stratified random sampling dengan melakukan uji hubungan dengan teknik analisis SEM (Structural Equation Model), yang akan dianalisis menggunakan alat bantu structural equation modeling dengan metode alternatif partial least square menggunakan software SmartPLS. Penelitian ini menemukan bahwa secara simultan persepsi manfaat dan persepsi kemudahan pengguna memiliki pengaruh terhadap prilaku penggunaan layanan mobile banking pada mahasiswa di Sumatera Utara. Sedangkan secara parsial persepsi manfaat dan persepsi kemudahan pengguna juga memiliki pengaruh terhadap prilaku penggunaan layanan mobile banking pada mahasiswa di Sumatera Utara. Serta persepsi manfaat lebih dominan dibandingkan persepsi kemudahan pengguna di dalam penggunaan layanan mobile banking pada mahasiswa di Sumatera Utara. Abstract This study aims to explain the behavioral analysis of the use of mobile banking services to students in North Sumatra with the approach: technology acceptance models, either simultaneously or partially. The sample used is 450 student respondents with the sampling technique using the proportional stratified random sampling technique by conducting a relationship test with the SEM analysis technique, with the alternative method of partial least square using the SmartPLS. This study found that simultaneously the perceived usefulness and perceived ease of users have an influence on the behavior of using mobile banking services among students in North Sumatra. Meanwhile, partially, the perceived usefulness and perceived ease of users have an influence on the behavior of using mobile banking services among students in North Sumatra. As well as the perception of benefits is more dominant than the perceived ease of users in using mobile banking services for students in North Sumatra.

THE ANALYSIS OF THE EFFECT OF FDR, NPF, AND DPK ON PROFIT-SHARING-BASED MUDHARABAH FINANCING IN BANKS SHARIA IN INDONESIA PERIOD 2012-2018 ferri alfadri; muhammad arif; ticha ticha; taufik taufik
Journal Of Sharia Banking Vol 3, No 2 (2022): Perbankan Syariah
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v1i2.6452

This research is motivated The background in this study is the occurrence of variable mudharabah financing fluctuations in 2012-2018 in Islamic banking. The formulation of the problem in this study is whether there is an influence of financing to deposit ratio, nonperforming financing, and third-party funds on profit-sharing-based mudharabah financing in Islamic banking in Indonesia in 2012-2018. This study aims to determine the effect of FDR, NPF, and DPK on Mudharabah financing in Islamic Banking, which consists of Islamic commercial banks and Islamic business units in Indonesia. This research is quantitative research with secondary data. The sample in the study used a saturated sampling technique. The number of samples is 84 samples. The data analysis method used in this research is descriptive statistical analysis, normality test, classic assumption test consisting of multicollinearity test, heteroscedasticity test, autocorrelation test, then hypothesis testing, and multiple linear regression tests. Based on the partial test result (t-test) showed that FDR affected mudharabah financing, then the NPF variable influenced mudharabah financing, and the DPK variable influenced mudharabah financing then the Anova test (F test) simultaneously the FDR, NPF, and DPK variables had a positive effect on mudharabah financing.

Faktor Penentu Niat Menggunakan Paylater Dengan Kepercayaan Sebagai Variabel Moderasi Ahmad Afandi; Dia Purnama Sari; Annessa Fadhillah; Nando Farizal; Muhammad Arif
Kunuz: Journal of Islamic Banking and Finance Vol 2 No 2 (2022)
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kunuz.v2i2.420

The purpose of this study is to measure effort expectancy, habit, price value, hedonic motivation, and social influence on the intention to use paylater with trust as a moderating variable. This research is a descriptive quantitative type and data collection method using a questionnaire. This research involved a total of 100 respondents who were all residents of North Sumatra. Structural Equation Model (SEM) and SmartPLS are used in data analysis techniques to test hypotheses and identify factors that influence people's intention to use Paylater. The research findings show that the social influence variable has a positive and significant effect on the intention to use Paylater. Meanwhile, effort expectancy, habit, price value, and hedonic motivation have no effect on the intention to use Paylater. Then the trust variable cannot moderate effort expectancy, habit, price value, hedonic motivation and social influence on the intention to use Paylater, maybe because Paylater has several risks so that trust cannot moderate these variables. This proves that the people of North Sumatra who use paylater are due to social influences without thinking about anything that is at risk for the user. It is hoped that the results of this study can be used as a reference for prospective Paylater users in using them and become information for related institutions. This research is expected to be information in developing further research by adding risk variables that influence the intention to use Paylater.

Analysis Of The Impact Of Financial Technology On Employee Performance at PT. Bsi Tbk Gunung Tua Brand Office Muhammad Arif; Khoirul Amri; Rika Susanti
Journal of Islamic Financial Technology Vol 1, No 2 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

The discussion of this research relates to the field of computer banking and human resource management. The theory used in this study is the theory of Islamic finance, the theory of finance, the theory of technology and the theory of performance. Fintech is a technological innovation developed in the financial sector that is able to replace the role of formal financial institutions such as banks with a payment system that provides a market for business actors.This research is a qualitative research with a descriptive approach. Data collection techniques used are observation techniques, interviews and documentation. Sources of data used are primary data and secondary data. The number of informants is 10 employees at PT. Bank Syariah Indonesia, Tbk Gunung Tua Sub-Branch Office.The results of this study are that the presence of financial technology (fintech) has an impact in increasing the work of each employee at PT. Bank Syariah Indonesia, Tbk Gunung Tua Sub-Branch Office. Financial technology (fintech) has a positive impact on employee performance in completing work. Fintech makes interactions between employees and customers easier and can be done anytime and anywhere without having to take a long time. Keywords: Financial Technology (Fintech), Employees, Performance.

THE ANALYSIS OF THE EFFECT OF FDR, NPF, AND DPK ON PROFIT-SHARING-BASED MUDHARABAH FINANCING IN BANKS SHARIA IN INDONESIA PERIOD 2012-2018 Ferri Alfadri; Muhammad Arif; Ticha Lubis; taufik taufik
Journal Of Sharia Banking Vol 4, No 1 (2023): Journal Of Sharia Banking
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v1i2.6416

This research is motivated The background in this study is the occurence of variable mudharabah financing fluctuations in 2012-2018 in islamic banking. The formulation of the problem in thid study is whether there is an influence of financing to deposit ratio, non performing financing, and third party funds on profit-sharing based mudharabah financing in islamic banking in indonesia in 2012-2018. This study aims to determine the effect of FDR, NPF, and DPK on Mudharabah financing in Islamic Banking, which consist of islamic commercial banks and islamic business units in Indonesia. This research is quantitative research with secondary data. The sample in study used a saturated sampling technique. The number of samples is 84 samples. Data analysist method used in this research is descriptive statistical analysis, normality test, classic assumption test consisting of multicolinearity test, heteroscedasticity test, autocorrelation test, then hypothesis testing and multiple linear regression tests. Based on the partial test result (t test) showed that FDR affected mudharabah financing, then NPF variable influenced mudharabah financing, and DPK variable influenced mudharabah financing then Anova test (F test) simultaneously the FDR, NPF, and DPK variables had a positive effect on mudharabah financing.

THE EFFECT OF INDEPENDENT CASH TIM (ATM) REVENUE ON SHARIA BANKING PERFORMANCE IN INDONESIA (2016-2020) Muhammad Arif; Ahmad Musabiq Habibie
Journal of Islamic Financial Technology Vol 2, No 1 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i1.8189

In 2020, around 50.3% of Indonesian people frequently use ATM services for transactions. The impact of ATM on banking performance has been the subject of various studies in the field of electronic banking with mixed results. Therefore, further investigation is needed to obtain empirical evidence regarding the effect of ATM income on bank performance. This study aims to examine the impact of ATM revenue on the performance of Islamic banking in Indonesia for the 2016-2020 period.A descriptive statistical method was used, utilizing secondary data from a time series consisting of 30 samples. The analysis used in this study is multiple regression which includes descriptive analysis test, normality test, linearity test, simple linear regression analysis, determinant coefficient test (R2), correlation coefficient test, and hypothesis testing (t-test).By using SPSS Software Version 25, the results showed a significance value (sig.) of 0.033 for the ATM variable (X). As Sig. 0.033 0.05 indicates profitability, the hypothesis is accepted. This means that there is an influence of ATM (X) on the performance of Islamic banking (Y). The coefficient of determination (R2) yields a value of 0.152 which means the influence of the ATM variable (X) is 15.2% on the performance of Islamic banking (Y). The remaining 84.8% is associated with variables not examined in this study.Keywords: Independent, Shariah Banking, Performance.Â

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