bluuebunny/crossref_metadata_2025 huggingface dataset:
When Is Standardization Most Beneficial for Improving Service Quality? The Moderating Role of Operational Failures
Authors: Zheng Sarah
Published: August 2024

Prior research finds mixed results on the impact of standardized processes on service quality. We conduct two separate studies to investigate the conditions under which standardization yields performance benefits. In Study 1, we use survey data collected from nurses in medical and surgical units in over 50 U.S. hospitals to test whether operational failures moderate the link between standardization and service quality. After controlling for workarounds, a key variable found to impact our clinical measure of service quality in prior research (pressure injuries), we find that standardization is related to higher service quality in units with a high frequency of operational failures. We suspect that standardization is beneficial when it provides structure in an otherwise chaotic work environment. Conversely, in units with a lower frequency of operational failures, standardization yields little benefit for improving service quality. We replicate these findings in study 2 using a dataset comprised of objective clinical data from nearly 20,000 ICU patient visits at a major medical center. Study 2 enables us to triangulate our findings with measures of operational failures and standardization derived from objective, clinical data rather than survey data. Our paper makes two main contributions to the operations healthcare literature. We validate the constructs of operational failures and standardization using multiple methods. We also demonstrate that operational failures moderate standardization’s impact on service quality. Standardization’s positive impact peaks in environments with many operational failures, but it has little incremental benefit when operational failures are low.
Constructing Entrepreneurial Leader Identity of Daughters in Chinese Family Businesses
Authors: Jiang Dr. Nan
Published: August 2024

This paper employs poststructuralist feminist theory to explore the dynamics between gender expectations, identity work, and the pursuit for independence. Despite the growing presence of women in leadership positions within Chinese family businesses, they continue to encounter significant institutional and cultural obstacles. Through a longitudinal study adopting semi-structured interviews with eight daughters within Chinese family business initially destined to manage the family business, this research explores the decision they made to launch their own entrepreneurial ventures. Our findings reveal the multifaceted motivations behind their decision to bypass the expected leader roles in favor of entrepreneurship, driven by a profound desire for autonomy, independence and recognition. The study demonstrates the critical role of agency in overcoming structural inequalities, thus challenging entrenched traditional gender norms and expectations. By providing a deeper insight into the formation of female entrepreneurial identities in patriarchal contexts, this study makes a significant contribution to the discourse on gender dynamics, cultural expectations, and individual agency within the context of family business succession and entrepreneurship.
Commitment of Microfinance Institutions and Survival Entrepreneurs Under Financial Distress
Authors: Moya-Davila Fernando A.
Published: August 2024

Commitment leads directly to cooperative behavior, vital for long-term mutually beneficial relationships. When a relationship is weak and not considered in economic transactions, causing a microfinance institution (MIF) to disregard a small business entrepreneur’s actions, economic agents (i.e., the MIF and the entrepreneur) will lose economic rents. On the other hand, when a relationship is strong, and an entrepreneur’s actions are observed, the resulting economic rents will be such that each party will be better off building a relationship than not building it. COVID-19 in 2020 gave us an extraordinary opportunity to measure the impact of commitment in the interaction of MIF and survival entrepreneurs. Based on 876,920 observations from January 2020 to June 2021 of credits given to groups of survival entrepreneur women by a Mexican MIF, this study analyzes how relaxing credit policies during COVID-19 (financial distress time) has a positive effect on commitment from entrepreneurs to the MIF. This means that building a relationship between economic agents creates and distributes value among the economic agents.
Foreign Direct Investments, Trade Flows and Economic Growth in Sub-Saharan Africa: Challenges and Opportunities
Authors: Ojede Dr.Andrew
Published: August 2024

Foreign direct investment (FDI) flows to developing country regions have been one of the most important aspects of globalization and a key source of growth-financing in many countries. However, over several decades, there have been disproportionate FDI flows to developing country regions with Sub-Saharan Africa receiving the least. Extant research has examined key determinants of FDI flows and the impact of such capital movements on the economic growth process of host nations. In this lecture, I will examine some of our recent research papers which employ space-time dynamic models on the growth- effects of FDI flows to Sub-Saharan African region by controlling for intermediary roles played by natural resource endowment, institutional quality, and trade openness. We develop several spatial mechanisms to assess whether intermediary roles played by institutional quality, severity of civil conflicts, democracy, trade openness and resource endowment are statistically different from zero in enhancing and/or attenuating the effect of FDI on growth in Sub-Saharan Africa. Lastly, in one of our most recent papers, I will discuss the mechanisms through which weather-related shocks mainly attributed to temperature rises and precipitation are contributing to the disruption of trade flows from key sectors of Sub-Saharan African countries. Key policy implications and calls to action will be discussed throughout my presentation.
Decoding Corporate Accelerators: An Examination of Their Objectives, Design, and Role in the UK's Entrepreneurial Ecosystem
Authors: Ghosh Satrupa
Published: August 2024

In the past decade, corporate accelerators have emerged as significant actors in the startup ecosystem, fostering entrepreneurial growth and driving industry innovation. This burgeoning trend of established companies initiating such programs is increasingly prevalent worldwide, transcending sectors and geographies. Its significance within the business realm marks it as a subject of considerable academic and industrial interest. These programs, straddling corporate goals and startup aspirations, require strategic thought in their design. Thomas Kohler's research suggests that for businesses to remain innovative, they must utilize a blend of in-house and external ideas. Corporate accelerators offer a symbiotic platform, catalyzing growth and innovation for both the parent corporations and the startups they nurture.

This presentation explores the emergence and evolution of corporate accelerators within the UK's startup ecosystem, focusing on their design, objectives, and value impact. Through an in-depth examination of various corporate accelerator models, including both in-house and partnership-based approaches, the researcher has examined how these programs serve as crucial intermediaries in enhancing collaborative innovation between established firms and startups. The analysis, grounded in qualitative thematic research involving interviews with stakeholders from the industry, uncovers the strategic motivations driving the establishment of these accelerators and the challenges they face in aligning corporate objectives with startup dynamism.

The findings aim to contribute to a deeper understanding of corporate accelerators' pivotal role in the UK's innovation landscape and suggest pathways for future research and policy. This comprehensive analysis serves as a valuable resource for academics, policymakers, and practitioners in the entrepreneurship and innovation domains.
Critical Role of Trust in Sustainable Investing
Authors: Daugaard Dr. Dan
Published: August 2024

Catastrophic news of floods, wildfires, record temperatures and rising sea levels highlight the urgent need to support and fund sustainable business practices. However, despite high profile climate action initiatives (e.g., those from COP 28), allocating capital towards positive environment, social and governance (ESG) practices still represent less than a third of global funds under management. Among the barriers to making the necessary shift towards environmental and social progress, is a lack of trust in investment professionals and products. In particular, our aversion to betrayal holds us back from trusting and engaging in sustainable investments. This aversion is understandable given the likelihood of greenwashing, and corporate failure to accurate report on ESG metrics. Our current research projects apply an innovative adaptation of the behavioural trust game to the context of sustainable investing. We thereby measure the extent to which investment advisors, ESG rating agencies, and corporate reporting on sustainability, are trusted by investors (and their level of trustworthiness). The literature on betrayal aversion implies that sustainable investing will be constrained until trust issues are effectively addressed. Building the necessary trust is not just about impression management, it requires deep change. For investment advisors and managers, establishing trust requires transparent communication, ethical behaviour, and demonstrating a true commitment to sustainable and responsible investing. Further, our research extends to the increase in trust which can be created by interventions such as independent advisory committees, external agencies, and performance (including deposit, guaranteed, surety, collateral, and contract) bonds.
Communication as a Core
Authors: Rosken Prof. Dr. Anne
Published: August 2024

Communication as a Core - Effective communication for effective leadership! Communication is one of the essential skills of managers in almost all areas, such as in everyday management, in change processes including company health programs. Furthermore, communication is an essential component in the context of management and leadership. As operational practice often shows, many organizations invest too much time in management processes and too little in effective leadership. A key success factor for effective leadership is communication, so that leadership can be successful. The latter is particularly essential for sustainable and long-term performance as well as ability to work and perform. Which form of communication and which style are appropriate in which context? What is meant by effective communication and leadership? What role do managers take on and what responsibility do teams and employees have? (DeVito et al 2016, Franken 2019, Kinicki 2013, Rosken 2022). These are precisely the questions that will be raised and discussed in this keynote. The central construct is how entire organizations, teams and employees can be managed sustainably and successfully through effective communication.
A study on lived experiences and practices of rice farmers in Ayutthaya and Saraburi provinces of Thailand
Authors: Saxena Prof. Gunjan
Published: August 2024

This paper sheds light on the lived experiences and practices of rice farmers in the provinces of Ayutthaya and Saraburi in Thailand. Using theoretical insights from the practice approach and phenomenological research on lived experiences, I present an intricate array of participants’ categorisation of the self, the farming landscape, and their notions of self-in-the-landscape. Data, collected via 43 semi-structured interviews and a focus group discussion, reveal how structural changes impacting the rice farming context in Thailand (e.g. growing urbanisation, climate change and the outmigration of the young) have disrupted the way farmers symbolically code and discursively comprehend and experience their role. I conclude by arguing in favour of policies that foreground the lived experiences of individual farmers and their practices to effectively address and ameliorate the impact of structural changes impacting upon farmers’ lives and livelihoods.

This research was funded by H2020-EU.1.3.3. (2018-2023)under the EC-Asia Research Network on Integration of Global and Local Agri-Food Supply Chains Towards Sustainable Food Security (GOLF) - Grant Agreement number 777742.

Keywords: Food security, structural changes, lived experience, practice, rice farmers, Thailand.
Convertible Government Bond as a Solution to “Moneycracy”
Authors: WATANABE Joji
Published: August 2024

Since the primary concern for politicians is to get as many votes as possible for their survivals at every election that requires plenty of money/work, they tend to listen to opinions of influential wealthy individuals and large entities. Due to widening gaps in income levels and accumulated wealth for a small number of individuals, “Democracy” in most countries has been transforming to “Moneycracy” where money plays a vital role in shaping public policies, rather than opinions of “Demo-”, ordinary small individuals, especially the underprivileged/handicapped. Once a political leader establishes a strong position, even modest hopes of such small but many individuals are often ignored.

In the history of currency, drastic changes are seen in its material/type from typically coins of precious metals, paper currency, numbers in bank accounts to the recent digital currencies in electronic memory, which means technically there is no limit in issuance of today’s currency. Although the amount of issued currency has been one of the determinant factors in the management of national economies, we still keep the notion that its excessive supply would create hyperinflation, and government bond issuance is not considered sound for the economy. However, having reviewed the economic difficulties of some countries, e.g. Ireland, Greece, Mongolia, Sri Lanca and Japan, this paper discusses a fundamental defect in today’s standard currency system, and suggests a new system such as convertible government bonds, which can be converted to currency as necessary. This can be one of the solutions to alleviate today’s “Moneycracy”.
The Term Structure of Equity Returns and Duration Premium
Authors: Yang Shuxin
Published: August 2024

The paper explores the term structure of equity returns and term premium, highlighting the time-varying nature of this relationship and its implications for market dynamics. The study finds evidence of a persistent term premium in the market, even within Japan’s unique economic environment, characterized by extreme interest rate scenarios. The findings contribute significantly to the understanding of equity term structure, particularly in markets under unusual economic conditions. This research investigates the time-varying nature of equity term structure and attempts to relate it to major economic events. Findings suggest that the equity term structure is countercyclical, and the term premium tends to be high when the economy is weak. This paper also examines risk factors including size, value, and illiquidity, seeking explanations for the persistent term premia. The illiquidity factor is found to explain more of the term premia compared to size and value. Our findings challenge the conventional view that the value factor serves as a proxy for equity duration.

Keywords: Portfolio, Asset pricing, Equities, Risk premium, Implied equity duration, Risk JEL classification: G12, G14, E43
Financial and Informational Integration Through Oracle Networks
Authors: Rabetti Daniel , Cong Lin William , Prasad Eswar
Published: August 2024

Oracles are software components that enable data exchange between siloed blockchains and external environments, enhancing smart contract capabilities and platform interoperability. We find that oracle integration is positively associated with total value locked and platform/protocol valuation, triggered by positive network effects in adoption and usage. Our study reveals symbiotic gains from enhanced interoperability and network effects across protocols on a given chain and among integrated chains. Oracle integration improves risk-sharing and mitigates contagion, increasing resilience during turbulent periods in crypto markets. We draw parallels between oracle integration and international economics, offering insights for regulators, entrepreneurs, and practitioners in decentralized finance.
Evolution of the E-commerce in Finland and in Sweden Based on Urbanization Differentiation
Authors: Dzilská Zuzana , Kalamen Kristián , Pollák František
Published: August 2024

COVID-19 pandemic possessed many various implications to the society. With the main aim, to protect health of individuals, a set of government restrictions needed to be placed. One of the main one that was introduced shortly after COVID-19 breakout was social distancing. Due to that shopping behavior of many people has undergone a change which greatly impacted the e-commerce sector. This study aims to analyze the evolution of internet purchases performed in Finland in comparison to Sweden based on the urbanization differentiation available at Eurostat. The research method involves collection and analysis of data available at Eurostat and the findings indicate that the COVID-19 pandemic had different implications in these two countries, where Finland noted a greater increase in e-commerce turnover in suburb and rural areas whereas Sweden recorded more significant increase in individuals living in cities since the breakout of COVID-19 pandemic. Furthermore, the study shows that even after the most significant pandemic times has passed, the number of purchases performed via e-commerce platforms has remained higher than during the pre-pandemic times. Thus, one could assume there is a change in the customer behavior to purchase more goods and services online.
Carpooling as an Example of Action for Sustainable Transport
Authors: Wiaczek Dr. Paulina
Published: August 2024

Carpooling system, i.e. one of the chosen models of access economy in terms of social travelling and it is an example of activity in favor of sustainable transport was shown. Traveling together in one car is not considered a new phenomenon, for as an alternative practice to owning one's own car, it was born in North America as early as World War II. .

With the development of the Internet and the advent of the digital age, carpooling has boomed. In view of the challenges facing modern cities, including the constant volume of car traffic, resulting in disruptions to its efficiency and fluidity, and leading to reduced vehicle speeds and negative environmental impacts, the example of carpooling seems to be a reasonable solution.
Nearshoring: Costa Rica’s Success Story in Attracting Foreign Direct Investment to Increase Employment and International Trade
Authors: Chacón Adriana , Calderón Keyssi , Torres Rebeca
Published: August 2024

Faced with the uncertainty generated by recent world events (COVID-19 pandemic, container crisis, substantial increase in transportation time and costs, among others), companies have rethought their strategy and have once again set their sights on relocation of their businesses. That is, greater emphasis has been placed on installing or relocating operations in areas closer to the final consumer market for their goods and services; also called nearshoring. These decisions are complex, with various reasons that influence the internationalization of companies. Among the motivations for foreign investment are having access to new technologies, , having access to scarce natural resources, having access to cheaper resources than in the country of origin, follow a competitor, avoiding high tariffs, taking advantage of opportunities for better production conditions, taking advantage of better access to final markets, among others (Dunning, 2000 and 2001). In addition, the country to which they decide to move must meet certain conditions such as availability and cost of human capital, shorter transportation and energy times and costs, legal certainty, among others. In this study we will focus on the case of Costa Rica and how greater sophistication of its exports of goods and services has been largely due to the arrival of new foreign companies and the expansion of new operations of foreign companies already established in the country.
The Role of Financial Markets in Mitigating Credit Market Bubbles
Authors: Tran Anh , Asparouhova Elena , Bossaerts Peter , Lu Dan
Published: August 2024

We investigate how long an insolvent debtor can avoid default when survival is beneficial to creditors collectively, but individual creditors gain by forcing early repayment. Theory predicts that the debt is not rolled over and default is immediate. With 23 experimental sessions, default is never immediate, with or without secondary debt markets. With markets, prices do not reveal survival length but correlate with payoffs. Creditors are better off with markets, but markets exacerbate wealth inequality. Survival length is reduced upon repetition with the same cohort. When new creditors are introduced, survival length remains constant, even with access to default history.
Strategi Bank Dalam Mempertahankan Loyalitas Nasabah Pada Bank Muamalat Indonesia KC Banjarmasin
Authors: Fattah Abdul , Masrina Masrina , Hasanah Ikhwatun
Published: August 2024

Penelitian ini menganalisis tentang bagaimana strategi bank muamalat dalam mempertahankan loyalitas nasabah. Penelitian dilatarbelakangi dengan Studi yang dilakukan oleh MRI (Market Research Indonesia) pada akhir tahun 2021 yang diumumkan dalam ajang 5th Infobank Satisfaction, Loyalty & Engagment (SLE) Award 2022, bank muamalat berada diposisi pertama pada Loyalty Index, Engagement Index, dan Marketing Engagment. Dalam perolehan ini tak terlepas dari usaha bank muamalat KC Banjarmasin yang menjadi salah satu pionir yang bergerak di dalam pencapaian tersebut. Penelitian ini merupakan jenis penelitian kualitatif dengan menggunakan data primer dan sekunder. Subjek dalam penelitian ini adalah Branch Manager dan Realitionship Manager di Bank Muamalat Indonesia Kantor Cabang Banjarmasin. Dengan objek penelitian dalam penelitian ini adalah strategi yang digunakan Bank Muamalat Kantor Cabang Banjarmasin. Teknik pengumpulan data dengan cara observasi, wawancara dan dokumentasi. Kemudian Teknik analisis datanya dengan Induksi dan Grounded. Hasil dalam penelitian pada analisis strategi bank dalam mempertahankan loyalitas nasabah yaitu sebelumnya pihak bank akan melakukan pemilihan beberapa segmen pasar yang berpotensi menjadi nasabah loyal seperti nasabah muslim, tingkat religiusitas yang tinggi serta tingkat Pendidikan yang baik. Selanjutnya pihak bank akan selalu menjaga kepercayaan nasabah, memberikan pelayanan yang terbaik serta komunikasi yang intens.  Serta dilakukannya evaluasi monitoring sebagai penunjangnya dalam menjaga tingkat loyalitas nasabah dengan melihat seberapa banyak produk yang digunakan nasabah, survey kepuasan nasabah dan survey yang dilakukan oleh Lembaga independen.
La neuroeducación: Su motivación y la actividad física en estudiantes de Manta [Neuroeducation: Motivation and physical activity in Manta students]
Authors: Ferrín-Vera Patricio Francisco , Macías-Villigua Mayte Amparo , Posligua-Robles Erika Cecilia , Vinueza-Mero Carmen Yadira
Published: August 2024

Este estudio tiene como objetivo de investigación determinar la relación entre neuroeducación y actividad física en la motivación académica de los estudiantes. Se enmarca en un enfoque cuantitativo, empleando un diseño de investigación correlacional no experimental. La correlación de Pearson entre la variable combinada de motivación académica y actividad física y la neuroeducación es 0.85. Los resultados de este estudio destacan la neuroeducación como un enfoque pedagógico integral que potencia significativamente la motivación académica y la actividad física de los estudiantes, evidenciando su capacidad para influir de manera positiva en el bienestar y rendimiento académico. La fuerte correlación observada sugiere que las estrategias neuroeducativas no solo facilitan un aprendizaje más profundo, sino que también fomentan un entorno educativo más inclusivo y personalizado, capaz de responder a las diversas necesidades cognitivas y físicas de los estudiantes.
Analisis Peran Home Industry Binaan Lembaga Industry Kreatif Modern (IKM) Jombang dalam Meningkatkan Kesejahteraan Masyarakat Prespektif Ekonomi Islam
Authors: Abidah Abidah , Haryanti Peni
Published: August 2024

Indonesia really expects the welfare of every Muslim. Therefore, the researchers chose to conduct research on the operations of the IKM Institution of Jombang which aims to improve mutual welfare in the COVID-19 transition period so that it can continue to grow. In the case of home industries affected by the pandemic, after this transition period, several entrepreneurs went out of business and did not continue their business. This type of research used a qualitative approach. The findings in this study were the Home Industry fostered by the IKM Institution of Jombang had a role in the welfare of the community. With the help and support from the IKM Institution of Jombang, this Home Industry business had room for product development, good and friendly service, and all forms of business-related consulting, licensing, etc can be obtained easily from an Islamic economic perspective. Regarding the role of the Home Industry which was fostered by the IKM Institution of Jombang (Islamic economic perspective during the covid 19 transition period) in the welfare of the community, may have an impact on the welfare of Muslims, both material welfare and spiritual welfare, is gradually increasing.
Peran Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) NURI Jawa Timur terhadap Kesejahteraan Masyarakat
Authors: Hamdy Mohammad Zainal
Published: August 2024

Cooperative is a business entity that is a legal entity and is based on kinship by prioritizing a sense of brotherhood to all members. Cooperatives are present in the midst of society with the aim of advancing the welfare of members in particular and society in general. This study aims to provide an understanding of the role of cooperatives in improving the welfare of members. The research conducted was descriptive qualitative research. This research is classified as field research, data is collected by looking at what appears, analyzing the data and drawing conclusions. Data collection techniques used are interviews, observation and documentation. The results of the research obtained show that 1) The KSPPS NURI Cooperative provides a very large role in the welfare of its members, the form of welfare is: ease of service provided, helps pay for children's education, health insurance for employees, and BMN assistance. 2) The obstacles are the lack of special officers in carrying out the assistance program 3) The strategy or solution is to increase activity in visiting or providing motivation for each branch in carrying out its role.
Analisis Urf terhadap Jual Beli Tembakau dengan Sistem Tebbhesen
Authors: Harisah Harisah , Zainulloh Zainulloh , Wasilah Wasilah
Published: August 2024

Increasing the results of agricultural sales in the community of an area is one of the factors for improving the community's economy, especially in the agricultural sector which is considered profitable by the community, one of the tobacco farming sectors which is one of the most profitable livelihoods in rural communities, as well as in Karang Penang Village Onjur Sampang. However, the tobacco season sometimes becomes a bad season due to an inadequate buying and selling system, such as buying and selling using the tebbhesen system (Madura language). This research was conducted using qualitative methods using interviews. Observation and documentation. The interviews were conducted directly with farmers, middlemen, and traders to obtain valid data. In addition to the interviews, observations were made by researchers by looking at buying and selling practices in the field and coupled with data documentation in the field. This research results that in the view of urf sell tebbhesen this is not valid because it contains losses to one of the parties. Losses are not always experienced by farmers, sometimes they are felt by middlemen and sometimes also experienced by traders because there is no certainty of yields from the tobacco they buy.
Hikmah Larangan Ihtikar Mekanisme Pasar Domestik dalam Ekonomi Islam
Authors: Illiyah Luluk , Sahil Irdlon
Published: August 2024

Some economic activities that can, in practice, benefit one party and harm another from religious values, such as usury, tadlis gambling in buying and selling, and the hoarding of goods or what is commonly known as Ihtikar. In fact, in economic activity, a sense of transcendence is very necessary and required. If this feeling and awareness are not found, then everyone will justify all means without caring about the consequences of their behavior and they will even argue that if this is not the case then the economy in a circle will not run quickly and optimally. The definition of Ihtikar is an economic practice that is carried out by hoarding certain goods which have the aim of obtaining the maximum profit without caring about how distressed others are when they need it. In this case, Islam provides a separate prohibition to maintain the survival of mankind on this earth and also so that the economy of a country can move forward, normal and full of equality and justice, of course
Penerapan Kompensasi pada Distro Syaichona Persepektif Maqashid Syariah
Authors: Wahid Abd
Published: August 2024

This study aims to determine, analyze and understand the extent of the application of Islamic economics in terms of compensation at the shichona distro from the maqashid sharia perspective. This type of research is descriptive qualitative research based on the results of interviews and documentation using analysis techniques from Miles and Hubberman. The results showed that Distro Syaichona in compensating employees there are two types of compensation namely direct compensation and indirect compensation. Direct compensation provided by Distro Syaichona is in the form of salaries, incentives and allowances. While indirect compensation is in the form of social assistance and employee welfare. In this case, social assistance is in the form of death assistance, calamities and money lending. The application of compensation from the maqashid sharia perspective carried out by Distro Syaichona has not fully implemented hifdz al-mal in accordance with Islamic economics, the contributing factor is that Distro Syaichona has not implemented the principle of not delaying employee rights properly, because there is still a delay in providing compensation even though it is not too frequent. But on the other hand, Syaichona Distro applies the principle of hifdz al-din which is in accordance with Islamic economics, namely the principle of fairness and worthiness.
Analisis Kesadarn Pegawai Negeri Sipil (PNS) dalam Menunaikan Zakat Profesi terhadap LAZIZNU
Authors: Rahmat Rahmat , Ismail Mohammad , Takdirullah Ismail , Khotib A. Muhyiddin
Published: August 2024

This study aims to analyze the implementation of Galis civil servants (PNS) in paying professional zakat to amil zakat institutions, infaq and how obstacles in implementing professional zakat to amil zakat institutions, infaq. The method used is qualitative descriptive with data collection techniques of observation, interviews and documentation then analyzed using the Mils and Hubberman model. From the results of the study showed that most civil servants in Galis sub-district have implemented zakat through a 2.5% salary deduction every month. there are several obstacle factors related to the awareness of civil servants in fulfilling professional zakat including, namely the lack of awareness of the obligation to pay professional zakat, lack of concern for underprivileged fellow Muslims who should really need financial assistance, and also their daily life dependents such as dependents to pay debts to the bank every month and other needs.
Program Bedah Rumah Sebagai Pendistribusian Dana ZIZ (Zakat Infak Dan Sedekah) di Lembaga Amil Zakat Sidogiri Cabang Bangkalan
Authors: Mutmainah Mutmainah , Ghafir Moh Ali , Akmalia Dianatul
Published: August 2024

The distribution of ZIS funds is an activity to regulate the proper management function. Distribute ZIS funds received by muzakki to mustahiq parties so that organizational goals can be achieved effectively. The system of distributing ZIS funds has changed. Zakat, infak, and shadaqa funds are more for consumption activities. However, there are also institutions that distribute ZIS funds to provide decent housing to mustahiq. This study aimed to determine the house renovation program as a distribution of ZIS funds at the Sidogiri amil zakat institution Bangkalan branch in 2019-2021. The method of this research is qualitative research with a case study approach. The study subjects were the LAZ Sidogiri Bangkalan branch head, LAZ Sidogiri Bangkalan branch staff, muzakki, and mustahiq. The data collection method is carried out by in-depth interviews with primary sources, the data analysis uses qualitative descriptive.  The distribution of ZIS funds has changed from time to time. At the beginning of the establishment of LAZ Sidogiri the distribution was mostly channeled for consumptive activities, but lately, many ZIS funds have been used in LAZ Sidogiri Bangkalan Branch for productive activities or even providing decent housing. The Sidogiri amil zakat institution distributes zakat, infaq, and shadaqa funds through a house renovation program allocated from 2019 to 2021 still in the Bangkalan Regency area. The problems discussed in this paper are two things: 1) The house renovation program is a distribution of ZIS funds at the Sidogiri branch of Amil Zakat institution. This program can be carried out because it is taken from donations that have been collected. 2) What are the constraints of the home renovation program as the distribution of ZIS funds at the Bangkalan branch of the Sidogiri amil zakat institution. The obstacle to distributing ZIS funds through the house renovation program by the Bangkalan branch of LAZ Sidogiri in its implementation is only due to the lack of donors so the Bangkalan branch of the LAZ Sidogiri program is only one or two houses a year. Even though the target of the house renovation program of LAZ Sidogiri Bangkalan branch is at least five houses a year.
Riba pada Obligasi Konvensional dalam Perspektif Islam
Authors: Muhsinin Muhsinin
Published: August 2024

As Muslim investors, of course we are not only concerned with profits and losses, but we must also prioritize halal and haram in accordance with what has been established in the principles of Islamic economics and include beneficial values. The aim of this research is to examine in more detail the practice of conventional bonds so that we can clearly understand what practices are prohibited and what are permitted in investing in bonds so that it is not just an opinion that claims usury in conventional bonds. The method used is the normative Islamic economic studies research method (normative economic studies) with a qualitative approach, data is collected by researchers using library study techniques and analyzed by reducing the data then the data is presented for verification and conclusions are drawn. The findings from this research are that there are indications of usury from conventional debt practices because bonds are debt securities and basically the debt giver or investor is not allowed to take advantage of the funds invested and these benefits are also stated and become binding provisions at the time the agreement occurs, whereas The term buying and selling bonds is an inaccurate term because the terms and conditions for buying and selling bonds are not fulfilled
The Concept of Separation of Power in Indonesia Al-Zuhaili Priest Perspective
Authors: Rahmat Rahmat
Published: August 2024

Indonesia is one of the countries that adheres to the trias politica power separation system, the concept that is the reference to the power separation system in Indonesia has in common with the trias politica offered by John Jock who divides power into the legislative, executive and judiciary. But over time there is a group of people who say that the government system implemented in Indonesia is a pagan government system. And this opinion is indisputable because there are scholars 'who have the concept of separation of powers which is exactly the system of separation of powers in Indonesia, namely Wahbah al Zuhaili he divides power into legislative power (sultatu al-tasri’i), executive (sultatu al-tanfidhi) and the judiciary (sultatu al-qodo’i). This type of research is a normative legal research using two approaches: a comparative approach and a conceptual approach. The primary legal source is Fiqhu al-Islam Wa Adillatuhu, Restoration of Indonesian Constitutional Law Based on the 1945 Constitution, secondary legal sources are books and other scientific works related to the object of discussion in this study. The results of this study conclude: First, Indonesia adheres to the power separation system of trias politica by dividing the three powers, the legislature, the executive and the judiciary. Secondly, in the Islamic system of government there is also the term separation of powers which also divides the types of power that is, sultatu al-tasri’i', sultatu al-tanfidhi, sultatu al-qodo’i. Third, the Indonesian state in applying the separation of powers has similarities with the Islamic governance system from Wahbah al-Zuhaili's perspective, so that it answers that the Indonesian state in its government system does not adhere to a kafi government system
Analisis Akad Ijarah Multijasa dalam Pembiayaan Haji dan Umroh Amitra Syariah Malang
Authors: Mahmudi Mohammad , Jannah Khairul
Published: August 2024

This research explores the implementation of the Ijarah Multijasa contract in financing Hajj and Umrah by Amitra Sharia Malang. In the context of Islamic finance, this financial institution provides innovative solutions to facilitate access for Muslims to Hajj and Umrah financing services. Using a qualitative case study method, the research aims to comprehensively understand the implementation process of the Ijarah Multijasa contract and evaluate the transparency of its terms. The results of this study are expected to offer insights for other Islamic financial institutions and contribute to the development of the Sharia finance industry, particularly in the realm of financing the pilgrimage and minor pilgrimage.
Keywords: Multiservice, Hajj, Umrah
Meningkatkan Pertumbuhan Ekonomi Indonesia di Pasar Global dengan Produk Halal
Authors: Mardi Moh
Published: August 2024

Dari berbagai aspek ekonomi syariah, industri halal merupkan bagian yang sangat berpotensi memiliki peluang yang sangat besar untuk mengembangkan pertumbuhan ekonomi khususnya Indonesia yang mayoritas penduduknya beragama Islam, permintaan terhadap produk halal saat ini terus mengalami peningkatan, namun pada saat yang bersamaan tersebut Indonesia masih sangat kurang memberikan kontribusi yang besar dalam meningkatkan produk halal itu sendiri. Adapun metode penelitian yang digunakan dalam atikel ini yaitu menggunakan metode pustaka dengan berbagai literatur yang digunakan kesimpulan dari arrtike ini yaitu peluang indonesia yang dimungkinkan sangat besar untuk menjadi pusat ekonomi syariah berada pada beberapa sektor diantaranya sektor keuangan syariah, sektor makanan dan minuman halal, sektor wisata halal dan fesyen muslim berbagai macam cara dan strategi telah dilakukan dan dikembangkan oleh pemerintah bersama dengan masyarakat dan pelaku usaha diantaranya adalah strategi Pembangunan Pusat Global Halal, stategi riset dan regulasi, strategi industrilialisasi, stategi preferensi halal dan strategi pengembangan usha mikro kecil menengah, namun selain peluang Indonesia juga masih memiliki banyak tantangan
Pengaruh Kualitas Relationship Marketing Terhadap Peningkatan Jumlah Nasabah pada Bank BSI di Bondowoso
Authors: Muhammad Nur , Munir M
Published: August 2024

Penelitian ini membahas tentang pentingnya pemasaran relasional yang berkualitas dalam meningkatkan jumlah nasabah Bank BSI di Bondowoso. Era globalisasi dan persaingan bisnis yang semakin ketat menyebabkan perubahan signifikan dalam pendekatan pemasaran industri perbankan. Bank BSI di Bondowoso menyadari perlunya mempertahankan dan meningkatkan jumlah nasabah demi pertumbuhan dan keberlanjutan usahanya. Oleh karena itu, mereka mengadopsi strategi kunci berupa pemasaran relasional yang berkualitas.
Pemasaran relasional adalah pendekatan pemasaran yang berfokus pada pengembangan, pemeliharaan, dan pengembangan hubungan jangka panjang antara perusahaan dan pelanggan. Di Bank BSI Bondowoso, pemasaran relasional yang berkualitas meliputi layanan nasabah yang unggul, komunikasi yang efektif, kepercayaan yang kuat, kesesuaian produk dan layanan, serta penanganan keluhan dan permasalahan yang cepat dan efisien.
Bank BSI di Bondowoso berkomitmen memberikan layanan nasabah yang unggul dengan memberikan pelayanan yang ramah, cepat, dan efisien. Selain itu, mereka menyadari pentingnya komunikasi yang efektif dengan pelanggan melalui berbagai saluran komunikasi. Kepercayaan yang kuat juga menjadi fokus utama mereka, dengan menjaga kerahasiaan informasi pelanggan dan menjamin keamanan transaksi. Bank juga mengutamakan kesesuaian produk dan layanan dengan kebutuhan nasabah melalui riset dan analisis pasar yang mendalam. Terakhir, penanganan keluhan dan masalah dengan cepat dan efisien juga merupakan faktor penting dalam meningkatkan kualitas pemasaran relasional.
Penelitian ini menggunakan pendekatan penelitian kuantitatif dengan melibatkan nasabah Bank BSI Bondowoso sebagai populasi penelitian. Data dikumpulkan melalui kuesioner yang dirancang berdasarkan variabel-variabel yang berkaitan dengan kualitas pemasaran relasional. Data dianalisis menggunakan teknik statistik deskriptif dan analisis regresi.
Hasil penelitian menunjukkan bahwa terdapat pengaruh yang signifikan antara kualitas pemasaran relasional terhadap peningkatan jumlah nasabah Bank BSI di Bondowoso. Penelitian ini memberikan wawasan berharga bagi Bank BSI Bondowoso dalam mengembangkan strategi pemasaran yang efektif untuk meningkatkan jumlah nasabah. Implikasi dan rekomendasi praktis juga dibahas untuk memperkuat kualitas pemasaran relasional mereka
Kebijakan Fiskal Perspektif Islam
Authors: Busri Busri
Published: August 2024

ABSTRAK
Kebijakan Fiskal ialah sebuah kebijakan suatu Negara dalam ekonomi. Kebijakan ini menjadi tolak ukur untuk kesejahteraan dan keadilan ekonomi Negara. Tujuan diadakanya kebijakan fiskal mengubah dan meningkatkan perekonomian suatu Negara. Islam mengharuskan kebijakan ini untuk kesejahteraan dan keadilan masyrakat. Beberapa Perinsip yang kemukakan Ulama dalam Islam: Tauhid, Rub-Biyyah, Khalifah, dan yang terahir perinsip Tazkiyah, tetapi yang lebih utama menggunakan dua prinsip kebijakan fiskal yaitu perinsip penerimaan publik dan perinsip pengeluaran Negara. Diantara perbedaan kebijakan Fiskal Islam dan konvesional adalah Islam mengahruskan kebijakan ini untuk kesetabilitasan perekonomian yang adil dan seimbang. Semetara tujuan kebijakan fiskal konvensional untuk meraih keuntungan sebesar besarnya. Kebijakan fiskal di Indonesia mengunakan sistem demokrasi dimana perencanaan anggaran diajukan dan dibahas di parlemen dan tetapkan menjadi anggaran Negara.
ABSTRAK
Fiscal.Policy.is a.country's economic.policy..This policy is a benchmark for the country's economic prosperity and justice. The.aim of.fiscal policy is to change and improve.a country's economy. Islam requires this policy for the welfare and justice of society. Several principles put forward by Ulama in Islam: Tauhid, Rub-Biyyah, Caliphate, and most recently the principle of Tazkiyah, but more importantly using two principles of fiscal policy, namely the principle of public revenue and the principle of state expenditure. Among the differences between Islamic and conventional fiscal policies is that Islam requires this policy to ensure economic stability that is fair and balanced. Meanwhile, the aim of conventional fiscal policy is to achieve maximum profits. Fiscal policy in Indonesia uses a democratic system where budget plans are submitted and discussed in parliament and determined as the State budget.
Implementasi Aplikasi BSI Mobile Terhadap Efisiensi Nasabah dalam Pembayaran Zakat, Infaq dan Waqaf
Authors: Rahman Holilur , Waheda Waheda
Published: August 2024

The muslim community in Indonesia in 2023 is 240.62 million people and the potential ziswaf funds in 2023 currently reach 217 trillion but the realization of ziswaf in Indonesia is not up to 1% of the existing zakat potential. So this causes a gap between the possible acquisition of ziswaf. This study aims to determine the implementation of the BSI Mobile application in ziswaf payments and also to determine the analysis of the BSI Mobile application in Ziswaf payments on the efficiency of BSI KCP Sumenep customers. In this study using qualitative methods, namely the case method by conducting a direct survey of spaciousness with relevant data sources and using observation techniques, interviews to the authorities, and documentation. Data analysis using data reduction, data display, and data conclusion. The results of this study indicate that the implementation of the BSI Mobile application provides significant benefits for customers in ziswaf payments. BSI KCP Sumenep customers prefer to make ziswaf payments online rather than directly to mustahiq or al-mauquf ‘alaih. So that the BSI Mobile application is said to be efficient in Ziswaf payments because it meets three aspects of efficiency indicators, namely: 1) achievement of goals as expected; 2) Savings; 3) maximizing the use of all resources owned.
Masyarakat muslim di Indonesia pada tahun 2023 yaitu 240,62 juta jiwa dan potensi dana ziswaf pada tahun 2023 saat ini mencapai 217 triliun akan tetapi realisasi ziswaf di Indonesia tidak sampai 1% dari potensi zakat yang ada. Sehingga hal ini menyebabkan kesenjangan antara kemungkinan perolehan ziswaf. Penelitian ini bertujuan untuk mengetahui implementasi aplikasi BSI Mobile dalam pembayaran Ziswaf dan juga untuk mengetahui analisis dari aplikasi BSI Mobile dalam pembayaran Ziswaf terhadap efisiensi nasabah Bank Syariah Indonesia KCP Sumenep. Dalam penelitian ini menggunakan metode kualitatif yaitu metode kasus dengan melakukan survey langsung kelapangan dengan sumber-sumber data yang relevan dan menggunakan teknik observasi, wawancara kepada pihak yang berwenang, dan dokumentasi. Analisis data menggunakan data reduction, data display, dan data conclusion. Hasil penelitian ini menunjukkan bahwa implementasi aplikasi BSI Mobile memberikan manfaat signifikan bagi nasabah dalam pembayaran Ziswaf. Nasabah Bank Syariah Indonesia KCP Sumenep lebih memilih untuk melakukan pembayaran ziswaf secara online daripada secara langsung kepada mustahiq atau al-mauquf ‘alaih. Sehingga aplikasi BSI Mobile dikatakan efisien dalam pembayaran Ziswaf karena sudah memenuhi tiga aspek indikator efisiensi yaitu: 1) Pencapaian tujuan sesuai dengan yang diharapkan; 2) Penghematan; 3) memaksimalkan penggunaan segala sumber daya yang dimiliki.