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All Journal El-Usrah: Jurnal Hukum Keluarga Edutourism : Journal Of Tourism Reseach Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah JIHBIZ :Global Journal of Islamic Banking and Finance. Jurnal Investasi Islam Journal Information & Computer (JICOM)
Muhammad, Alfian
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Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences Other

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The Impact of Mudharabah Sukuk and Foreign Exchange on the Profitability of Islamic Commercial Banks in Indonesia Safarida, Nanda; Muhammad, Alfian; Fahriansah; Sabda, Aulya
Jurnal Investasi Islam Vol 8 No 2 (2023): Jurnal Investasi Islam
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v8i2.7746

Abstract

This study aims to determine the effect of Sukuk Mudharabah and Foreign Exchange on the profitability of Islamic commercial banks in Indonesia from 2014 to 2021. The data analysis technique used is panel data regression with the assistance of Econometric Views (Eviews). The results of the study indicate that Sukuk Mudharabah has a negative and insignificant effect on profitability (sig value. 0.413 > 0.05). Foreign exchange has a positive and significant effect on profitability (sig value. 0.024 <0.05). Additionally, sukuk mudharabah and foreign exchange both have a positive and significant effect on the profitability of Islamic Commercial Banks in Indonesia (sig value. 0.00 <0.05). These results demonstrate the impact of foreign exchange on Islamic Commercial Banks in Indonesia.
Optimalisasi Financial Well Being Generasi Sandwich di Indonesia Muhammad, Alfian
El-Usrah: Jurnal Hukum Keluarga Vol 5, No 1 (2022): El-Usrah: Jurnal Hukum Keluarga
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ujhk.v5i1.17119

Abstract

Studi ini membahas tentang optimalisasi financial well being generasi sandwich di Indonesia yang memiliki tanggung jawab penuh dalam menafkahi keluarganya. Sebagai upaya dalam penerapan literasi akan pentingnya pengelolaan keuangan dalam sebuah keluarga yang bersifat jangka panjang agar tercapainya financial well being. Namun masih banyak dari kalangan generasi sandwich yang tidak memahami akan pengelolaan keuangan yang baik sehinga mengalami ketidakstabilan keuangan, lantas memenuhi nafkah keluarga menjadi prioritas bagi generasi sandwich dalam mencapai kesejahteraan keluarganya. Problematika di atas terjadi disebabkan karena generasi sandwich memiliki perilaku konsuftif, kurangya edukasi, dan kurangnya pengetahuan tentang literasi keuangan. Hasil penilitian ini dapat disimpulkan bahwa untuk mencapai financial well being bagi generasi sandwich memerlukan literasi dan pemahaman tentang finansial, tuntutan dan tanggung jawab yang diberikan oleh para orang tua dan keluarga bukanlah sebuah masalah namun menjadi sebuah motivasi bagi generasi sandwich agar manjadi generasi yang lebih baik dalam pengelolaan keuangan dalam menafkahi keluarganya.
The Impact of the Tourism Industry on Local Revenue in Langsa City Muhammad, Alfian; Safarida, Nanda; Murdiah
EDUTOURISM Journal Of Tourism Research Vol. 5 No. 02 (2023): HOSPITALITY AND TOURISM
Publisher : Samarinda State Polytechnic

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53050/ejtr.v5i02.702

Abstract

The tourism sector can increase Regional Original Income, but its contribution has not been fully realized. Therefore, the government needs to play an important role in tourism development. This study aims to determine the tourism sector's contribution to Langsa City's Regional Original Income and the government's efforts related to tourism development. The research method employed a qualitative approach with a descriptive research type. The primary data for this study consisted of interview data, while the secondary data included documentation, tax reports, and Regional Original Income of Langsa City for the period 2018 to 2020. The study revealed that the tourism sector's contribution to the Regional Original Income of Langsa City from 2018 to 2020 was minimal. Specifically, Kota Forest and Mangrove Forest tourism contributed 0.0017%, Mutiara Water Park contributed 0.00004%, Virta Tirta Raya contributed 0.00029%, and Royal Waterboom contributed 0.00029%, resulting in a total contribution of 0.00232%. These figures indicate that the tourism sector's contribution to the city's income is very low. The Langsa City government is making efforts to develop tourism in a way that optimizes Regional Original Income through environmental improvement and structuring, sustainable use of natural resources, support for the local economy, and community involvement in maintaining existing tourist attractions in Langsa City.
ANALISIS SWOT TRANSFORMASI DIGITAL PADA LANSIA DALAM PENGGUNAAN JASA PERBANKAN DI INDONESIA ERA SOCIETY 5.0 Muhammad, Alfian
Jihbiz: Global Journal of Islamic Banking and Finance Vol 5, No 1 (2023)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v5i1.17303

Abstract

The purpose of this study is to answer the problems that occur in the elderly in the use of banking services in Indonesia in the era of society 5.0 by using a SWOT Analysis. This research is a type of library research using a qualitative descriptive approach. After conducting a SWOT (Strengths, Weaknesses, Opportunities and Threats) analysis regarding digital transformation in the elderly in using banking services in Indonesia in the era of society 5.0, it can be concluded that the development of technology in financial institutions has a high level of effectiveness to provide quality banking services to the elderly, but the level of use is still low, because many elderly people do not understand how to use digital services  Banking. Preferably, banking companies provide chatbots services for the elderly who want to do digital banking transactions. If an elderly person wants to make transactions using digital banking services, then it can start a conversation with chatbots and all their complaints will be resolved and replied to automatically, although it is unlikely that chatbots will do so to replace banking employees.
Menilik Problematika Hukum Berkarir di Lembaga Perbankan dalam Memenuhi Nafkah Keluarga Islami (Analisis Pemikiran Abdul Aziz Bin Baz dan Yusuf Qardawi) Muhammad, Alfian
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 8 No 1 (2023): Al-Muamalat: Jurnal Hukum dan Ekonomi Syariah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v8i1.5998

Abstract

Penelitian ini dilatarbelakangi tentang hukum berkarir di lembaga perbankan dalam memenuhi nafkah keluarga islami. Fokus penelitian ini adalah bagaimana hukum berkarir di lembaga perbankan dalam memenuhi nafkah keluarga islami menurut pemikiran Pemikiran Abdul Aziz Bin Baz dan Yusuf Qardhawi. Penelitian ini menggunakan metode library research dengan menggunakan pendekatan deskriptif kualitatif. Hasil penelitian menunjukkan bahwa jika ditinjau dari hukum Islam, berkarir di lembaga perbankan adalah hukumnya haram karena dalam sistem operasionalnya tidak terlepas dari unsur riba, Maysir dan Gharar. Menurut Abdul Aziz Bin Baz dalam pandangannnya menafkahi keluarga dengan hasil berkarir di bank konvensional juga dianggap haram, karena hasil ujrah yang didapatkan berasal dari aktivitas yang bertentangan dengan prinsip-prinsip syariah Islam. Menurut Yusuf Qardhawi, bekerja di lembaga perbankan yang menerapkan praktek riba dan transaksi yang tidak sesuai syariah sebaiknya dihindari karena memilih pekerjaan yang sesuai dengan prinsip syariah lebih afdhol dalam Islam.
Efektivitas Platform E-Commerce Dalam Mendukung Bisnis Kaos Anime Muhammad, Alfian; Prasetya T.W, Chandra; Fauzi, Reza; Pramono
Journal Information & Computer Vol. 3 No. 1 (2025): Journal Information & Computer
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat (LPPM) Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/jicomisc.v3i1.46981

Abstract

Transformasi digital telah membuka peluang besar bagi industri kreatif, termasuk bisnis kaos custom bertema anime. Penelitian ini bertujuan untuk menganalisis efektivitas platform e-commerce dalam mendukung pertumbuhan bisnis kaos custom Tokus Vibes. Melalui pendekatan deskriptif kualitatif, data dikumpulkan menggunakan wawancara, observasi, dan dokumentasi. Hasil penelitian menunjukkan bahwa platform e-commerce memungkinkan perluasan pasar, personalisasi produk, dan efisiensi operasional. Namun, tantangan seperti persaingan harga dan pengalaman pengguna yang belum optimal memerlukan strategi peningkatan. Rekomendasi meliputi optimalisasi strategi pemasaran digital, peningkatan fitur antarmuka pengguna, dan efisiensi rantai pasok untuk keberlanjutan bisnis.
Optimizing Performance: A Dynamic Analysis of Credit Quality, Operational Efficiency, and Their Influence on ROA in Indonesian Islamic Banks Munadiati, Munadiati; Muhammad, Alfian; Yahya, M.; Wulandari, Putri
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/cz9qkp11

Abstract

ABSTRACT This study investigates the influence of key financial management strategies on the Return on Assets (ROA) of Islamic Commercial Banks (ICBs) in Indonesia. The analysis explores the direct and indirect effects of Funding Deposit Ratio (FDR) and Non-Performing Financing (NPF) on ROA, with Operational Costs to Operational Income (BOPO) as a mediating variable. The findings reveal a significant influence of FDR on ICB performance. While a higher FDR leads to lower operational costs, it might also be associated with lower profitability due to deposit interest rates. ICBs need to strike a balance between cost-effective deposits and exploring alternative funding sources. While the direct effect of NPF on ROA is unclear, it significantly impacts profitability indirectly through its influence on operational efficiency. Higher NPF levels can lead to increased costs, potentially reducing ROA. Therefore, effective NPF management is crucial for ICBs. The study further emphasizes the importance of managing operational efficiency (BOPO). Lower BOPO, indicating efficient use of operational income, is directly linked to a higher ROA. ICBs should focus on cost-saving measures and optimizing operational processes to improve efficiency and maximize ROA. Overall, the research highlights the critical role of a holistic approach to financial management in ICBs. By effectively managing FDR, NPF, and BOPO, ICBs can achieve a well-balanced funding structure, minimize bad debt risk, and optimize operational efficiency. Keywords: Islamic Banking, Performance, Credit Quality, Operational Efficiency, and Return on Assets.
Co-Authors Fahriansah M. Yahya Munadiati, Munadiati Murdiah Pramono Prasetya T.W, Chandra PUTRI WULANDARI Reza Fauzi Sabda, Aulya Safarida, Nanda