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Alawiyah, Rabiyatul
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Pemahaman Masyarakat Tentang Bagi Hasil dan Bunga di Bank Syariah Indonesia Tabroni, Muhammad; Rafidah, Rafidah; Alawiyah, Rabiyatul
e-Journal Perdagangan Industri dan Moneter Vol. 11 No. 2 (2023): e-Journal Perdagangan Industri dan Moneter
Publisher : Prodi Ekonomi Pembangunan Fakultas Ekonomi dan Bisnis Universitas Jambi

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Abstract

From the perspective of its development, Islamic Banks are currently not lagging behind progress like conventional banks. Conventional Banking which applies an interest system runs side by side with Sharia Banking which applies a profit sharing system. The problem faced by Sharia Banks is the public's low knowledge about what systems exist in Sharia Banking. So people assume or are seen that Islamic Banks are the same as Conventional Banks. This research aims to analyze the public's understanding of profit sharing and interest in Indonesian Sharia Banks (case study of the community or religious leaders of the Sa'adatuddaren Islamic Boarding School in Tahtul Yemen). This research uses qualitative research methods. Data collection techniques using observation, interviews and documentation. The number of respondents in this study was 13 people. The results of this research are (1) Tahtul Yamanl community does not understand the profit sharing system in Sharia Banks, (2) Tahtul Yaman community thinks that the profit sharing and interest systems are both just for profit, (3) a small number, such as religious figures, understand about profit sharing in Sharia Banks Keywords: community, profit sharing, Sharia Banks
ANALISIS PEMBIAYAAN KREDIT USAHA RAKYAT (KUR) PADA UMKM KOTA JAMBI Kurnia, Rajab; Habriyanto, Habriyanto; Alawiyah, Rabiyatul
Jurnal Industri Kreatif dan Kewirausahaan Vol 7, No 1 (2024): JUNE
Publisher : Universitas Sahid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36441/kewirausahaan.v7i1.2322

Abstract

Penelitian ini bertujuan untuk mengetahui pembiayaan KUR, kendala-kendala dalam pembiayaan dan mengatasi permasalahan dalam kegiatan pembiayaan KUR di BSI KCP Dr. Sutomo Kota Jambi. Oleh karena itu, rumusan masalah dalam penelitian ini adalah bagaimana pembiayaan KUR pada Bank BSI KCP Dr. Sutomo Kota Jambi,  Kedua, apa saja kendala pembiayaan KUR di Bank BSI KCP Dr. Sutomo Kota Jambi dan ketiga bagaimana mengatasi permasalahan pada kegiatan pembiayaan KUR di BSI KCP Dr. Sutomo Kota Jambi. Penelitian ini menggunakan metodologi kualitatif. Dari hasil penelitian diperoleh informasi bahwa pemasaran KUR dalam pengembangan pembiayaan KUR di Bank Syariah Indonesia (BSI) KCP Dr. Sutomo Kota Jambi, untuk menghadirkan KUR perlu menghadirkan produk pasar kepada masyarakat, maka calon KUR nasabah yang mengajukan pembiayaan harus melengkapi persyaratannya, dan bank akan memutuskan apakah permohonan pembiayaan tersebut layak diberikan atau tidak kepada UMKM (nasabah KUR). Dalam proses pelaksanaan program KUR terdapat 2 penyebab kredit bermasalah yaitu: faktor internal dan eksternal. Mengatasi permasalahan dalam kegiatan pembiayaan KUR di BSI KCP Dr. Sutomo Kota Jambi, pihak bank memberikan SP1-SP3 kepada nasabah. Apabila masih belum ada penyelesaian dari nasabah, bank akan melelang jaminan nasabah. Tindakan lain yang dilakukan bank adalah 3R yaitu Rescheduling, Reconditioning dan Restructuring.
Pengaruh Return On Asset (ROA), Financing Deposit To Ratio (Fdr) Dan Return On Equity (ROE) Terhadap Capital Adequacy Ratio (CAR) Pada Bank Bukopin Syariah Periode 2018-2022 Harahap, Annisa Fitriana; Rafidah, Rafidah; Alawiyah, Rabiyatul
Jurnal Ilmiah Wahana Pendidikan Vol 10 No 6 (2024): Jurnal Ilmiah Wahana Pendidikan
Publisher : Peneliti.net

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.10637682

Abstract

The purpose of this study is to examine the effect of Return On Asset, Financing Deposit to Ratio and Return On Equity simultaneously on Capital Adequacy Ratio (CAR) at Bank Bukopin Syariah for the period 2018-2022. The method in this research is quantitative. The type of research used is descriptive quantitative, namely the method of analyzing data using data in the form of numbers or values from the form of data then analyzed by adding information in the form of sentences to explain quantitative data. In this study, researchers collected data using the literature study method and the financial statements of Bank Bukopin Syariah in 2018-2022. The population used in this study is the financial statements of Bank Bukopin Syariah published in the Financial Services Authority (OJK). Sampling in this study using saturated sampling method. The results of this study are 1. There is a positive and significant effect of Return On Asset (ROA) on Capital Adequancy Ratio (CAR) at Bank Bukopin Syariah, 2. There is a positive and significant effect of Financing To Ratio (FDR) on Capital Adequancy Ratio (CAR) at Bank Bukopin Syariah, 3. There is a positive and significant effect of Return On Equity (ROE) on Capital Adequancy Ratio (CAR) at Bank Bukopin Syariah, 4. There is a positive and significant influence together between Return On Asset (ROA), Financing To Ratio (FDR), Return On Equity (ROE) on Capital Adequancy Ratio (CAR) at Bank Bukopin Syariah.
Analisis Peran Ekonomi Kreatif Dalam Meningkatkan Pendapatan Fotografer (Studi Pada Ons Project) Fauzi Pohan, Taufik; Yusuf, Maulana; Alawiyah, Rabiyatul
Jurnal Pendidikan Tambusai Vol. 8 No. 2 (2024)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

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Abstract

Penelitian ini bertujuan untuk mengetahui penerapan ekonomi kreatif yang dilakukan oleh mahasiswa pada subsketor jasa, apa alasan mereka sehingga memilih membuka jasa ekonomi kreatif, untuk mengetahui perbedaan atau perubahan pendapatan mahasiswa sebelum dan sesudah menjalankan ekonomi kreatif subsektor jasa dan apa saja kendala mahasiswa dalam menjalankan ekonomi kreatif mereka. Penelitian ini adalah penelitian kualitatif, mengumpulkan data dengan cara wawancara, observasi dan dokumentasi. Dalam penelitian ini menggunakan teknik analisis data seperti reduksi data, penyajian data, penyimpulan dan verifikasi serta kesimpulan akhir. Berdasarkan hasil penelitian dapat disimpulkan (1) alasan yang melatarbelakangi memilih menjalani profesi sebagai fotografer ini di karnakan sulitnya mencari lapangan pekerjaan dan adanya desakan kebutuhan ekonomi, untuk memenuhi kebutuhan hidup sehari-hari. (2) terdapat peningkatan pendapatan fotografer yang bekerja sehingga mereka bisa membantu memenuhi kebutuhan keluarga maupun kebutuhan lainnya.
Community Financial Management Training to Create an Independent Prosperous Village M. Nazori; Rafidah; Rosmanidar, Elyanti; Kusnadi, Dedek; Mutia, Agustina; Usdeldi; Fusfita, Nurlia; Subhan, Muhammad; Anita, Efni; Rahma, Sri; Nofriza, Eri; Alawiyah, Rabiyatul; Rahman, Sakinah
IJCS: International Journal of Community Service Vol. 3 No. 1 (2024): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijcs.v3i1.536

Abstract

Financial management plays an important role in promoting independence and prosperity in communities, especially in rural areas where economic resources are often limited. This paper explores the importance of community financial management training as a catalyst for creating independent and prosperous villages. By equipping community members with important financial literacy skills, such as budgeting, savings, and investment strategies, villages can better manage their resources and increase their economic stability. This training focuses on empowering community leaders and residents to understand basic financial concepts and implement sustainable financial practices adapted to their local context. Through workshops, seminars, and practical exercises, participants learn to develop financial plans, identify potential sources of income, and reduce financial risks. In addition, this training emphasizes the importance of transparent financial governance and accountability to build trust and cooperation within the community. In addition, case studies and success stories from similar initiatives show the positive impact of financial management training on village development. These examples illustrate how better financial decision making can lead to increased household income, better infrastructure development, and higher social welfare. Ultimately, the goal is to create self-sufficient villages that can develop independently by utilizing their resources effectively and responsibly.
PENGARUH LITERASI KEUANGAN SYARIAH, RELIGIUSITAS DAN GAYA HIDUP TERHADAP PERILAKU KONSUMTIF PADA MAHASISWA Rafidah, Rafidah; Alawiyah, Rabiyatul; Muliyana, Muliyana
JURNAL ECONOMINA Vol. 1 No. 1 (2022): JURNAL ECONOMINA, September 2022
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v1i1.25

Abstract

Perilaku konsumtif merupakan suatu perbuatan mengkonsumsi barang atau jasa secara berlebihan diluar batas kebutuhan. Perilaku konsumtif dilarang dalam islam karena perilaku berlebihan tidak disukai Allah SWT sebagaimana dijelaskan dalam Al-Quran. Perilaku konsumtif pada mahasiswa telah menjadi   suatu hal yang lumrah. Mahasiswa cenderung mengikuti trend, dan melakukan pembelian impulsif karna adanya diskon yang mana buka merupakan kebutuhan. Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan syariah, religiusitas dan gaya hidup terhadap perilaku konsumtif pada mahasiswa Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi. Pendekatan penelitian ini menggunakan pendekatan kuantitatif deskriptif. Pengumpulan data dilakukan dengan media observasi, dokumentasi, dan kuesioner, Hasil peneitian menunjukkan pengaruh literasi keuangan syariah terhadap perilaku konsumtif pada mahasiswa Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi dengan nilai t hitung 2,718, dengan nilai signifikansi 0,047 < 0,005. Religiusitas mempengaruhi perilaku konsumtif mahasiswa dengan t hitung 2,441 dan nilai signifikansi 0,046 < 0,05. Gaya hidup berpengaruh terhadap perilaku konsumtif dengan nilai t hitung sebesar 2,553 dengan nilai signifikansi 0,035 < 0,05.
Co-Authors Agustina Mutia Anita, Efni Dedek Kusnadi Elyanti Rosmanidar, Elyanti Fauzi Pohan, Taufik Fusfita, Nurlia Habriyanto Habriyanto Harahap, Annisa Fitriana Kurnia, Rajab M. Nazori Maulana Yusuf Muhammad Subhan Muliyana Muliyana, Muliyana Nofriza, Eri Rafidah Rafidah Rafidah Rahma, Sri Rahman, Sakinah Tabroni, Muhammad Usdeldi, Usdeldi