bluuebunny/crossref_metadata_2025 huggingface dataset:
Pengaruh Current Ratio, Net Profit Margin Dan Good Corporate Governance Terhadap Harga Saham Syariah
Authors: Abror Mursyidi
Published: March 2024

This study aims to determine the effect of the Current Ratio, Net Profit Margin, and Good Corporate Governance partially and simultaneously on stock prices in Islamic companies listed in the Jakarta Islamic Index. The population and sample of this study are Islamic companies listed on the Jakarta Islamic Index for the period 2016 to 2020. The sample of this research is 20 companies that have been selected using purposive sampling with certain criteria, namely Islamic companies that issue financial statements for five consecutive years, namely 2016 to 2020. The variables of this study are the dependent variable (Stock Price) and independent (Current Ratio, Net Profit Margin, and Good Corporate Governance. The analysis technique used is the Hausman test, classical assumption test, normality test, and hypothesis testing using tests partial t-test, simultaneous f-test with 5% significance, and coefficient of determination test. The research shows that the Current Ratio, Net Profit Margin, and Good Corporate Governance simultaneously affect stock prices, while the results of the t-test shows that the Current Ratio has no significant effect on stock prices and Net Profit Margin, Good Corporate Governance partially has a significant effect on stock prices. In conclusion, investors can only analyze Good Corporate Governance and net profit margin in determining stock prices
Does Financial Attitude Mediate Relationship Between Islamic Financial Knowledge, Internal Locus of Control and Islamic Financial Behavior?
Authors: Indana Rifaatul , Pambekti Galuh Tri
Published: March 2024

This study aims to determine whether Financial Attitude is able to mediate the relationship between Islamic Financial Knowledge, Internal Locus of Control and Islamic Financial Behavior in Islamic Bank Millennial Consumers. This study uses a quantitative approach with statistical tests, the data collected was analyzed by the method of Structural Equation Modeling (SEM) using AMOS software. SEM analysis includes path analysis, confirmatory factor analysis (CFA), causal modeling with latent variables and multiple regression analysis of variance (Hair et al., 2010). This study uses four variables (see Figure 1) consisting of two exogenous variables (Islamic Financial Knowledge (IFK) and Internal Locus of Control (ILOC)), there is one mediating variable (Financial Attitude (FINA)), and one endogenous variable ( Islamic Financial Behavior (IFB)). The hypothesis test shows that the financial attitude possessed by the millennial generation is able to mediate the relationship between Islamic financial knowledge (Islamic financial knowledge) and self-control (internal locus of control) on Islamic financial behavior (Islamic financial behavior). This means that the millennial generation's attitude towards finance reflects knowledge and self-control so that they are able to demonstrate financial behavior in accordance with Islamic teachings (Islamic Finance).

Keywords: Knowledge of Islamic Finance, Internal Locus of Control, Financial Attitude, Islamic Financial Behavior.
Optimalisasi Pembayaran Zakat Dalam Inklusi Keuangan Berdasarkan Perspektif Syariah
Authors: Suroso Hasan Noor
Published: March 2024

Zakat is a certain part of assets that must be issued by Muslims when they have reached the specified conditions. However, the current payment of zakat in practice is still not optimal. This study aims to analyze the role and strategy of optimizing zakat payments in Islamic financial inclusion. To achieve this goal, in this study, we used a qualitative method. The subject in this study is zakat, while the object in this paper is the analysis of optimizing zakat payments in financial inclusion based on Islamic law. The type of data used in this paper is secondary data with monthly data collection from January to December 2021. The results of the study show that optimizing zakat payments can trigger extreme poverty reduction and equitable distribution of welfare. Zakat also acts as a strategic and essential financial instrument in supporting the achievement of the target of financial inclusion in accelerating the process of economic growth. So the role of optimizing zakat is very necessary in this case.
Pemikiran Ibnu Asyur Tentang Maqashid Syariah Dalam Ekonomi Kontemporer
Authors: Maharani Julian
Published: March 2024

Ibn Ashur is one of the contemporary figures in the maqashid sharia which born in Tunisia. Ibn Ashur was dubbed the "second teacher" after al-Syathibi as the "first teacher". Ibn 'Ashur has succeeded in developing the theory of maqhasid al-syariah which previously only focused on the study of kulliyah and juz'iyyah to be broader, namely by expanding the study of maqhasid al-syariah into maqhasid al-syariah al-khassah about muamalat which explores various Maqhasid al-Sharia issue. This division is the success of Ibn Ashur in developing and perfecting the concept of al-Syathibi's maqashid al-Sharia. There are several views of Ibn Ashur regarding maqhasid al-syariah which are different from the previous ones: First, Ibn Ashur views the importance of realizing the independence of maqhasid al-syariah as a separate scientific discipline. Second, in Ibn Ashur's view, the basic characteristics possessed by humans are actually in line with maqhasid al-syariah.
Analysis Of Erwandi Tarmizi’s Thinking About Gold Murabahah
Authors: Udin Fath
Published: March 2024

Currently, gold murabahah/gold buying and selling transactions are often paid in a non-cash way, either in taqsith (installments) or ta'jil (tough). This non-cash sale and purchase of gold have caused differences of opinion among Muslims, some allow it and some forbid it. This study aims to analyse how Erwandi Tarmizi's thinking and legal istinbath are related to gold murabaha. This study uses library research and a qualitative approach with the main source of Erwandi Tarmizi's book entitled Harta Haram Muamalat Contemporary. The results of the study indicate that Erwandi Tarmizi believes that buying and selling gold in cash is illegal. Meanwhile, the fatwa issued by the DSN-MUI regarding the permissibility of buying and selling gold in cash is based on a weak opinion, so it is not appropriate to use it to allow buying and selling of gold in a non-cash manner, because this can result in the opening of the practice of usury ignorance in society. In forbidding the sale and purchase of gold in a non-cash manner, Erwandi Tarmizi used the istinbath argument of sadd aż-żarīah law.
Analisis Empiris Potensi Resiko Investasi Dana Haji melalui Sukuk Dana Haji Indonesia
Authors: Rarasati Indin
Published: March 2024

The purpose of this study is to find out what risks are faced by the Indonesian Hajj Fund Sukuk (SDHI) as one of the investment instruments used by the Hajj Financial Management Agency (BPKH) as a hajj fund management institution and people's endowment fund in Indonesia. The research method used is a qualitative analysis method supported by quantitative data. The results showed several findings including that SDHI is free from the risk of default, guaranteed halalness so that it does not face the risk of sharia compliance, but faces liquidity risks in the form of funding needs for hajj management using foreign currencies. This research needs to be further developed using a quantitative approach by including processed data so that the research results are more scientific.
The Role Of Cash Waqf In Alleviating Poverty: Literature Study
Authors: Izzah Nurul , Soemitra Andri
Published: March 2024

Cash waqf offers a solution in alleviating people who feel lazy. Public awareness to be involved in cash waqf will maximize the benefits of cash waqf in improving people's welfare. This study aims to describe the existing literature and present forms of the role of cash waqf in an effort to alleviate poverty. This research approach is a qualitative analysis of content with the type of literature study. This study uses secondary data such as articles, research results, and reference books. The results of the study found that research related to the role of cash waqf in alleviating poverty from 2018 to 2022 only found 15 articles. Cash waqf will provide more optimal benefits if it is followed by increasing literacy of cash waqf, increasing the professionalism of cash waqf managers, and increasing public trust in cash waqf. Well-managed cash waqf will be able to reduce the level of poverty and improve the quality of life of the poor. The significant increase in Cash Waqf Linked Sukuk (CWLS) has become an alternative source of financing in empowering micro, small and medium enterprises to realize community economic independence.
Revolusi Jual Beli Offline Menuju Jual Beli Online Perspektif Ushul Fiqh
Authors: Fageh ACHMAD
Published: March 2024

The community commonly does buy and sell because it is related to muamalah. Humans will not be separated from buying and selling activities in their daily lives. Of course, it will affect the civilization of humankind because buying and selling from time to time have changed. The revolution of buying and selling offline to online shows that humans have experienced significant developments, especially in technology. So, buying and selling in today's era have shifted from offline to online. Buying and selling online have many variations that attract people to the online system. These variations include already owning the goods and sending them to the buyer, the seller doing dropshipping, opening Ticketing services (Jastip), and the seller as a third party. However, humans, especially Muslims, have reviewed the buying and selling laws online. What are the views and perspectives of scholars on the direction of buying and selling online in the community.
Strategi Edukasi Pasar Modal Syariah Di Era Pandemi Covid 19
Authors: Yahya Imam , Raharjo Danang Purbo , Samsuri Andriani
Published: March 2024

In the context of implementing increased literacy and community inclusion of the Islamic capital market, integrated education and outreach, as well as collaboration by involving various related parties, have been carried out by the IDX and IDX Representative Offices throughout Indonesia such as the Capital Market School, Sharia Capital Market School. and the Establishment of an Investment Gallery. This is done to increase the effectiveness of the educational and outreach activities carried out, so that it is hoped that the public can have a good understanding of the Islamic capital market, which in turn can create preferences among the public to choose products and services in the Islamic capital market. This research is a type of field research (field research). The studies in this research use two kinds of studies, namely descriptive studies, and constructive analysis. Descriptive studies are carried out by identifying various findings, which are then based on these findings are presented in a structured and systematic way.
Potret Empiris Kinerja Keuangan Perbankan Syariah Di Indonesia: Systematic Literature Review
Authors: Fatmariyah Fatimatul , Samsuri Andriani , Yazid Muhammad , AS Fathor
Published: March 2024

The purpose of this study was to identify the financial performance of Islamic banking whose data were obtained from journals in the period 2017-2021 and how the solution was with a systematic literature review method approach. The results of a systematic literature review show that, 1). The distribution rate of articles in 2017 was 11, in 2018 there were 6, in 2019 there were 7, in 2020 there were 5 and in 2021 there were 2 articles in 31 journals, 2). The research method used by the researchers is a descriptive quantitative approach with a descriptive statistical approach and none uses a qualitative approach or mix methods, 3). The types of performance measurement tools used are mostly financial ratios, 4). The portrait of Islamic banking financial performance is volatile and tends to improve, 5). The solution for Islamic banks is to improve the performance of their financial ratios, and 6). The limitations of the study lie in the number of samples, variables and indicators, period of observation, and analytical techniques.
Comparative Efficiency Analysis Of Sharia Insurance And Conventional Insurance In Indonesia
Authors: BAROROH HILMY
Published: March 2024

Sharia insurance companies and conventional insurance require efficiency measurements to determine the ability to survive and compete in strong competition between companies. The purpose of the study was to compare the efficiency of Sharia general insurance companies and conventional general insurance in Indonesia in 2018-2020 and find differences in the efficiency of Sharia and conventional general insurance companies. This research is quantitative descriptive research with data sourced from the company's official website or related websites. The research was conducted by the Development Envelopment Analysis (DEA) method with the CCR model. Input variables include assets, capital, operating expenses, administrative and general operating expenses, claims expenses, and commission expenses, while for premium output variables, tabarru' funds, investment income. It was found that the efficiency value of Sharia general insurance during encroachment was higher compared to conventional general insurance with a significant difference in efficiency value.
Determining Factors of Consumption in Islamic Countries in The World with Political Stability as a Moderating Variable
Authors: Ihsan Akmal
Published: March 2024

Consumption is an object of study that has a different point of view between capitalists and Islam. The concept of consumption in the capitalist emphasizes utility or satisfaction, while in Islam it emphasizes benefit. This is a polemic between the two in understanding consumption. Indeed, maximum consumption while still paying attention to the benefit is a concept that needs to be achieved. Muslim communities who are members of the world's Islamic countries should have implemented this concept, but they are still classified as consumptive. For this reason, this study aims to determine what factors are driving consumption levels in the world's Islamic countries in 2011-2020. This study uses a quantitative study with multiple linear regression method. The ordinary least square model is expected to provide an empirical description of what factors can affect consumption in Organization Islamic countries. The result provide an empirical picture that income is the main indicator as a trigger for increased consumption. In addition, the interest rate offered in investment and the exchange rate against the dollar also makes consumer behavior able to increase consumption patterns. Furthermore, the pattern of household consumption is strongly influenced by the political stability that exists in the Islamic countries of the world. In addition, this government policy can strengthen the relationship between consumption and the exchange rate to encourage higher consumption. This result is expected to be an evaluation material for the governments of Islamic countries in the world to continue to pay attention to the consumption patterns of their people so that they are not included in the consumptive group, but consume productively and still pay attention to maslahah
Faktor Penentu Keberhasilan Penggunaan Fintech dalam Pembayaran Zakat, Infaq, Shodaqoh (ZIS)
Authors: Alfian Mohammad , Widodo Nova Maulud
Published: March 2024

Digitalization that is happening at this time changes the activities that are carried out directly, which can be done indirectly. One of the impacts of digitalization in the economic sector is the existence of fintech. One of the benefits of having fintech is that muzakki can make ZIS payments anytime and anywhere. This study examines the determinants of the success of using fintech as a ZIS payment method. Respondents from this study amounted to 206. The analytical method used is PLS with the statistical tool SmartPLS 3. The results of this study are that the success of using fintech in ZIS payments is influenced by satisfaction and use of fintech by muzakki. Fintech users are only influenced by the quality of the fintech and are not influenced by the information provided by the fintech. The satisfaction of fintech users is influenced by the quality of the information produced and the quality of fintech.
Implementasi Fatwa Dewan Syariah Nasional - Majelis Ulama Indonesia (DSN–MUI) Terhadap Pasar Modal Syariah di Pasar Modal Syariah Indonesia
Authors: Lutfiyah Ani , Raharjo Danang Purbo , Ghozali Lathoif
Published: March 2024

the Islamic capital market industry needs to improve the ability to innovate and adapt quickly and precisely to continue to create accelerated industrial growth. To find out the implementation of the Fatwa of the National Sharia Council - Indonesian Ulema Council (DSN–MUI) and to increase public trust regarding sharia securities and sharia securities transactions in the capital market, DSN-MUI has issued several fatwas related to products and the application of sharia principles in the securities transaction mechanism. and synergies between OJK and SROs, as well as DSN-MUI are very much needed to accelerate the existence of fatwas and regulatory foundations related to sharia products and services, as well as the implementation of socialization and education of the sharia capital market. The research method used is library research. DSN-MUI has an important role in the development of the Islamic finance industry in Indonesia. One of them is through the issuance of a fatwa which is the operational reference for Islamic financial institutions in Indonesia. Given his significant authority in issuing fatwas in the field of Islamic capital markets. To further refine all transaction processes and regulations in the Islamic capital market so that they do not conflict with sharia principles, more fatwas and regulatory foundations are needed in the Indonesian capital market Self-Regulatory Organization (SRO), which consists of the Indonesia Stock Exchange (IDX), PT Clearing Indonesian Securities Guarantee Corporation (KPEI) and PT Kustodian Sentral Efek Indonesia (KSEI) related to sharia products and services.
Pengaruh CAR, FDR, NPF, Dan BOPO Terhadap Profitabilitas Perbankan Syariah
Authors: Astuti Retno Puji
Published: March 2024

The study aims to analyze the financial performance of sharia commercial bank during 2018-2021 using return on assets (ROA) approach. Measuring by capital adequacy ratio, financing deposit ratio, non-performing financing and operational efficiency ratio. Data analysis used quantitative descriptive method. Purposive sampling selected for this study were that the total sample of 7 (seven) Islamic banks and considered related to data, period, registered on the Financial Service Authority (OJK). The data obtained from annual report through the Islamic Bank official website. From the study results CAR, FDR, and NPF have no significant effect on profitability (ROA). BOPO has a significant effect on profitability (ROA).
The Influence of Corporate Governance on the Performance of Islamic Banking Companies in Indonesia
Authors: Soveinia Soveinia , Haryanto Hery
Published: March 2024

The study examines the relationship between corporate governance as measured by audit committee independence, audit committee size, audit committee meetings, the board size, managerial ownership, and institutional ownership as well as control variables, namely firm size, firm age, and debt on firm performance as measured by ROA at the bank. general sharia law in Indonesia is registered with the financial services authority for the period 2013-2020. The research method using linear regression analysis, partial test, simultaneous test, and coefficient of determination found a significant effect of board size, firm size, and debt on the performance of Islamic banking companies. While other variables are independence, size, and audit committee meetings.
Pengaruh Persepsi Terhadap Keputusan Nasabah Menabung Di Bank Syariah Kotamobagu Dengan Moderasi Riba
Authors: - Muharto
Published: March 2024

Islamic banking was born from the demands of Muslims who want non-riba banking. The majority of the people of Kotamobagu are Muslim, but most do not use Islamic banking products. This study aims to determine the effect of perception on customer interest in saving in Islamic banks with riba moderation. Data were collected using a questionnaire. The research population is the customers of Bank Syariah Indonesia in Kotamobagu. The sample was determined using the accidental sample technique so that a sample of 30 customers was obtained. Data analysis used moderated regression analysis. The study found that the understanding of riba strengthens customers' interest in saving at the Kotamobagu Islamic bank. Therefore, it is recommended for Islamic banking to increase the socialization of Islamic banking products and public understanding of riba
Peran Harta Agama Dalam Mengatasi Problematika Putus Sekolah
Authors: Kurniawan Rahmat , Fikri Arinal
Published: March 2024

Aceh with its special autonomy still has problems in the field of education, namely dropping out of school. The reason is that the economic level of the community is still considered a determinant of their ability to send their children to school. Various efforts have been made to overcome this problem, one of which is the distribution of scholarships allocated from the APBA. However, these efforts have not been able to fully embrace them so they can go to school. This study examines other efforts made to overcome the problem of dropping out of school, namely the provision of educational assistance funds using the Baitul Mal Aceh community welfare fund. This research was conducted in Aceh Province. Data was collected through interviews, observation, and documentation. The analysis was carried out interactively. The results of the study indicate that the provision of education assistance funds through programs managed by Baitul Mal Aceh has contributed to overcoming the problem of dropping out of school in Aceh. Based on the function and capacity of the Baitul Mal Aceh which was enhanced in Aceh Qanun Number 3 of 2021, that the community funds in the Aceh Baitul Mal can be managed productively, namely management with the aim of empowerment through the provision of free education in the form of scholarships for Sanif Muallaf and Sanif ibn Sabil. With the distribution of zakat funds productively, it will accelerate economic development & education regardless of the efforts that have been provided by the Aceh government
Analisis Determinan Minat Masyarakat Terhadap Wakaf Uang (Studi Kasus Masyarakat Di Kota Magelang)
Authors: Fathurrahman Ayif
Published: March 2024

This research aims to analyze the factors influencing Magelang people’s interest in cash waqf through waqf institution. 100 data sample taken from moslem respondents from Magelang are chosen using purposive random sampling. The analytics tool employed is SPPS 23 using Multiple Linear Regression. The analysis shows that income and information access do not influence Magelang people’s interest in cash waqf. Meanwhile, education, religiosity and the image of waqf institution are positively and significantly influenced Magelang people’s interest in cash waqf.
Faktor-Faktor Yang Mempengaruhi Kemiskinan Per Provinsi Di Indonesia Dalam Perspektif Islam
Authors: Lestari Widya Indri
Published: March 2024

Indonesia, which is a developing country, has a goal to achieve the welfare of the nation. These various goals come from the existence of problems, one of the problems that is still being faced by this country is poverty. Poverty has become a concern for all countries in the world, especially developing countries, therefore poverty alleviation is included in the global action plan that has been agreed upon by country leaders in the world, this project is known as the SDGs (Sustainable Development Goals). This study aims to determine the factors that influence poverty per province in Indonesia based on an Islamic perspective in 2020. This study uses cross-sectional data. The variables used in this study as factors that determine poverty alleviation are education, per capita income, employment, and zakat. The analytical tool used in this study is multiple regression OLS model with Eviews9 software. From the results of the analysis, it can be concluded that all variables in this study have a negative effect on poverty per province in Indonesia in 2020, but only the employment variable has a significant effect on poverty per province in Indonesia. Suggestions that can be taken from this research are that the government can improve the quality of education in Indonesia, including in provinces or remote areas that are difficult to reach, open up wider employment opportunities for the community, and collect zakat funds as much as possible to be managed by authorized institutions so that they can be distributed. equitably to all provinces in Indonesia. It is also hoped that the government can provide financing to the community in the form of waqf so that the poor can start their own businesses which can indirectly open new jobs. The Islamic instrument in this study is zakat, although zakat has no significant effect on poverty reduction, this happens because the distribution of zakat has not been carried out efficiently by official zakat collection institutions because people choose to directly give zakat to the poor and orphaned institutions. If decision makers use Islamic economic instruments as part of the provisions for alleviating poverty, the authors believe that Indonesia will be free from poverty.
Peran Bank Pembiayaan Rakyat Syariah dalam Pertumbuhan Ekonomi Regional di Indonesia
Authors: Syathiri Ahmad , Adhitama Ferdinant
Published: March 2024

This study aims to investigate the effect of Islamic bank activities as proxied by the deposit ratio and financing ratio on regional economic growth as proxied by the gross regional domestic product variable. This study uses secondary data from the Financial Services Authority and the Central Statistics Agency for 2018-2020. The analysis technique uses regression and correlation tests. Based on the results of the partial regression test, only the deposit ratio has a positive effect on GRDP. The results of the F test show that the financing ratio and the deposit ratio have a positive and significant effect on GRDP. The results of the one-way correlation test (sig 1-tailed) also found that there was a relationship between the two independent variables with GRDP.
Macro Economy Effect On Islamic Banking Profitability In Indonesia
Authors: Prastiwi Iin Emy
Published: March 2024

This research is interesting to know the effect of macroeconomic conditions (BI Rate, Exchange Rate and inflation) on the profitability of Indonesian Islamic banking. The population in this study is the financial statements of Indonesian Islamic banking, the sample is the data in 2014-2018. The sampling technique using purposive sampling. This research resulted that indicate inflation does not affect the profitability of Indonesian Islamic banking. While an exchange rate has a positive significant effect on Islamic banking. While the BI Rate has negative significant effect on profitability.
Islamic Economic Behavior of Kiai (Study on Economic Community Empowerment at Pesantren Entrepreneur Al-Mawaddah Kudus)
Authors: Fuad Zakiyyul
Published: March 2024

Economic analysis is not sufficient to explain an economic phenomenon in quality, it is necessary to have other approaches to bridge and complete economic phenomena as social constructions. This study aims to analyze the economic phenomenon of the Pesantren Entrepreneur Al-Mawaddah Kudus with a Social Sciences approach to look in depth at the economic behavior of actors and related people in an effort to empower the community around the Pesantren. This research is a qualitative field research using primary data that came from interviews, observations, and documentation. The results of this research are 1). The kiai's rationality in the process of community economic empowerment is the major factor in the disparity of welfare between pesantren and the community, so limits the main vision of empowerment. 2). The existence of Gusjigang as a noble value for Kudus Society plays a role in providing psychological encouragement to rationalization. 3). The Kiai's social network in Shilat al-Rahim strengthened his ability to mobilize the resources. 4). Kiai makes a spirituality as ruhaniyyah needs and rationality as jasadiyyah needs
Pandangan Hukum Islam terhadap pengelolaan Dana Badan Penyelenggara Jaminan Sosial (BPJS) Kesehatan
Authors: Salamah Nilatus , Rahman Miftahur
Published: March 2024

BPJS is a legal entity formed to organize a social security program to guarantee everyone's constitutional right to social security that allows the development of himself as a whole as a useful human being and as an implementation of the Constitutional duty of the State to develop a social security system for all people and empower the weak and incapacitated people in accordance with the dignity of humanity. This research is a literary study with a phenomenological approach. The research data was collected by searching the literature and then analyzed by the conten analysis method. The conclusion of this study is that BPJS Kesehatan participants' understanding of DJS payments / premiums for tabarru' is caused because they do not know the contracts that apply at BPJS Kesehatan correctly. This understanding does not affect the validity of the contract because what is the benchmark for the contract is its purpose and meaning, not its pronunciation or form. In addition, contemporary scholars view the existence of freedom of faith as long as it does not contain usury and gharar
Social Entrepreneurship : Wujud Kemaslahatan Umat Melalui Program Kewirausahaan Santri Sebagai Upaya Membangun Generasi Robbani
Authors: Fahmi Zul , Seprina Elza , Aryuli Kasmi , Friyatmi Friyatmi , Evanita Susi
Published: March 2024

Entrepreneurship education is a systematic effort to foster students' entrepreneurial spirit. This is expected to be a solution so that graduates can create jobs and reduce unemployment. However, the facts show that the solution has not been able to solve the people's social problems.. Facts in the field of these facilities can not fully be a solution in tackling the social problems of the people. Imam Syafei Integrated Islamic Boarding School in overcoming this problem seeks entrepreneurship education on a social entrepreneurial approach that emphasizes efforts to spread kindness and help in helping people's social problems. This study aims to analyze the form of community benefit through social entrepreneurship programs at the Imam Syafi'I Integrated Islamic Boarding School in Batam. This research uses qualitative methods and tests the validity of the data by using the triangulation technique. This research shows that in achieving the vision of the institution, namely forming a generation of Rabbani through the concept of social entrepreneurship, it is implemented guided by the elements of social entrepreneurship, namely Social value, Innovation, Civil society, and economic activity. This element is adapted in order to achieve the goal of social entrepreneurship, which is to provide benefits to many people which is actually in accordance with the concept of Islamic economics.
Pengaruh Guncangan Makroekonomi dan Kebijakan Pelonggaran Financing to Value terhadap Penyaluran KPR Syariah di Indonesia
Authors: Dianty Hanum Ninggar , Nursyamsiah Tita , Hasanah Qoriatul
Published: March 2024

Mortgages are consumer financing products which aimed at home ownership. In Indonesia, mortgages are provided both by conventional and Islamic banking. However, Islamic mortgages have lower market share of distribution than its counterpart. Using Vector Error Correction Model (VECM), this study aims to examine the impact of macroeconomic indicators and FTV policy on the distribution of Islamic mortgages in Indonesia during the period from October 2014 to September 2019. This study found that the distribution of mortgages is closely determined by macroeconomic conditions and government policies. Based on VECM outcomes, the FTV policy has different short-term effects on the distribution of Islamic mortgages before and after its relaxation. The distribution of Islamic mortgages responded positively to the shocks of GDP. While it is responded negatively to the shocks of inflation, credit interest rates, exchange rates, and JII. GDP has the highest contribution in explaining the variation of the distribution of Islamic mortgages in Indonesia.
Pengaruh Sharia Marketing dan Kualitas Layanan terhadap Loyalitas dengan Kepuasan sebagai variabel Intervening (Studi Kasus Pengguna Tabungan Syariah di BMT Huwaiza Depok)
Authors: Azzaida Ibna Rusan , Suzanawaty Leis
Published: March 2024

Many factors influence people in choosing trustworthy financial institutions to manage finances. BMT Huwaiza is one of the choices of non-bank financial institutions that provide various services. BMT Huwaiza is a sharia cooperative with the highest number of members and assets in Depok City. This study aims to analyze the influence of sharia marketing and service quality on loyalty of with satisfaction as an intervening variable. Data was obtained through questionnaires using purposive sampling technique. Data analysis method used path analysis. The results show that: 1) Partially, sharia marketing has no significant effect on member loyalty with satisfaction as an intervening. 2) Partially, the service quality has significant effect on member loyalty with satisfaction as an intervening. 3) Simultaneously, sharia marketing and service quality have significant effect on member loyalty with member satisfaction as an intervening.
Zakat Produktif: Kebijakan Pengelolaan Keuangan Publik sebagai Instrumen Pengentasan Kemiskinan di Indonesia
Authors: Zuchroh Imama
Published: March 2024

This article describes the review of productive zakat as an instrument of poverty alleviation in Indonesia. This research uses a literature research method by studying and collecting the results of previous research that are in accordance with the theme of this study. The results of this study show that productive zakat in poverty alleviation instruments has played a considerable role. In addition to improving the economic life of mustahiq and meeting the needs in worshipping Allah Almighty. In Indonesia, regulations on the concentration and collection of productive zakat have been regulated starting from laws, government regulations to regional head regulations so that the potential for productive zakat as an instrument of poverty alleviation is a necessity.

Keywords: concentration, regulation, poverty alleviation, public finance, productive zaka, potential zakat
Intensi Generasi Milenial Kota Banda Aceh terhadap Produk KPR Syariah
Authors: Suardi Nidia Riska
Published: March 2024

Fulfilling basic needs in the form of houses (boards) is different from meeting the needs of clothing (clothing) or food (food) because the minimum level of house prices is far above the wage level (UMR/UMP/UMK). Mortgage is one way to get housing, in the midst of rising house prices today. The millennial generation (born 1981-1996) is the largest composition of the Indonesian population today, in Banda Aceh the number reaches 25.87%. The digitally oriented millennial life affects the way they shop. This study aims to analyze the intentions of the millennial generation towards Islamic mortgage financing products in fulfilling their maqasid sharia. The sample was selected randomly from 76 respondents from the millennial generation population in Banda Aceh. Quantitative research using primary data (online questionnaire) results that of the four background factor variables studied, only the income level is effective separately in influencing the millennial generation's intention to get a Sharia mortgage. While other factors, age, level of education, and reasons for not being effective enough did not have a significant effect. However, when taken together, the four variables have a significant influence with a contribution of only 0.205, so that it is still inadequate in predicting the intention of the millennial generation towards Sharia mortgage financing products.
Determinant of Muslim Community Intention in Performing Cash Waqf
Authors: Nugraha Pratama Aditya , Falikhatun Falikhatun
Published: March 2024

The Indonesian Ulama Council (MUI) is of the opinion through Fatwa number 2 of 2002 that cash waqf is permissible. Cash waqf is the same as land or building waqf. According to Imam al-Zuhri, waqf dinars (money) are acceptable, using money as capital and profits generated from efforts that are donated to people who are entitled to receive waqf. The aim of this paper was to investigate the impact of attitudes, subjective norms, behavioral control and religiosity on people's interest in cash waqf. This research is quantitative research with data collection using a questionnaire and conducted with google form. Multiple regression test was used to predict the interest of 130 Muslim respondents who were sampled on the island of Java which were selected by purposive sampling method. The findings of our analysis reveal that there is a statistically significant positive effect between subjective norms and religiosity and public interest in cash waqf
Green Sukuk: Investasi Hijau Berbasis Syariah Dalam Mewujudkan Ketahanan Terhadap Perubahan Iklim Di Indonesia
Authors: Grahesti Angrahita , Nafii"ah Dzul Fahma , Pramuningtyas Elyana
Published: March 2024

Hangatnya isu perubahan iklim dan kepedulian terhadap kelestarian lingkungan saat ini kian menjadi perbincangan yang amat serius. Green sukuk hadir menjawab persoalan yang tengah terjadi di Indonesia untuk mewujudkan ketahanan terhadap kerentanan perubahan iklim. Green sukuk sebagai instrumen investasi hijau inovatif islami ini merupakan terobosan baru guna mendukung upaya kelestarian lingkungan serta pencapaian target pembangunan berkelanjutan. Metode kualitatif dengan pendekatan studi pustaka dibarengi dengan analisa, penelitian ini dapat dapat disimpulkan bahwa green sukuk sangat potensial untuk semakin dikembangkan di Indonesia dan green sukuk telah banyak berperan dalam mewujudkan ketahanan terhadap perubahan iklim yang nampak nyata dalam pembangunan proyek-proyek hijau seperti drought management, flood mitigation, dan food security.
Analisis Jalur Pengaruh Pengambilan Keputusan Bertransaksi Melalui BSI Mobile
Authors: Khoiriyah Ummi , Putra Purnama
Published: March 2024

This study aims to analyze the direct and indirect effects of trust, security, and ease of decision making through interest as an intervening variable on the use of BSI Mobile. The method used is a quantitative method with data collection using a questionnaire with a sampling technique using purposive sampling of 100 BSI customers who use BSI Mobile and are domiciled in Bekasi City. The data analysis technique uses path analysis to examine the direct and indirect effects of the independent variable on the dependent variable through the intervening variable. The results of this study indicate that trust has a positive and significant effect on interest, while security and convenience have no significant effect on interest. Furthermore, trust, security, and convenience do not have a significant effect on decisions, but interest has a positive and significant effect on decision making. Based on the results of the path analysis, it shows that interest can mediate the variables of trust, security and ease of making transaction decisions through BSI Mobile. This research has implications for Bank Syariah Indonesia in knowing and improving the performance of BSI Mobile services so as to increase the trust and interest of users of these services.
Analisis Potensi Pulau Gili Barat Kecamatan Sangkapura Menjadi Destinasi Halal Tourism
Authors: Sherawali Sherawali
Published: March 2024

Pulau Bawean merupakan salah satu pulau kecil yang terletak di tengah laut antara pulau Jawa dan Kalimantan. Pulau yang berjarak 120 kilometer sebelah utara Gresik ini hanya terdiri dari 2 Kecamatan yaitu Kecamatan Sangkapura dan Kecamatan Tambak. Pulau ini terdapat banyak destinasi wisata yang berpotensi dikembangkan dengan konsep pariwisata halal (halal tourism) mengingat mayoritas penduduknya beragama Islam khususnya pulau Gili Barat. Konsep wisata halal ini menjadi fokus baru dalam pengembangan pariwisata oleh Kementrian Pariwisata dan Ekonomi Kreatif Indonesia. Dengan adanya konsep wisata halal ini diharapkan mampu menambah jumlah kunjungan wisatawan baik lokal maupu dari luar pulau Bawean. Metode dalam penelitian ini menggunakan metode penelitian deskriptif. Data yang digunakan berasal dari wawancara, observasi dan dokumentasi dengan beberapa informan yang terlibat. Hasil dari penelitian ini menunjukkan bahwa Pulau Gilibarat yang terletak di Kecamatan Sangkapura untuk saat ini belum bisa dikatakan termasuk dalam kriteria wisata halal. Hal ini berdasarkan kriteria 4A ( Atraksi , Amenitas, Aksesbilitas dan Ancillary) belum sepenuhnya tersedia di pulau Gilibarat. Namun pulau Gili Barat memiliki potensi untuk terpenuhinya kriteria-kriteria tersebut dengan adanya bantuan dari para stakeholder yang berwenang. Beberapa para pelaku pariwisata baik penyedia hotel, pengelola tempat wisata dan wisatawan mendukung apabila Pulau Gilibarat menjadi destinasi wisata halal.
Peran Pemerintah dalam Pengelolaan Zakat Menurut Abu Ubaid Al Qasim (Studi Kasus Kota Pontianak)
Authors: Suradi Romi , Bustami Bustami
Published: March 2024

The management of zakat at this time has not implemented the pattern and system of withdrawal, management and distribution as a whole as stated in the Regional Regulation of Pontianak City No. 25 of 2002 concerning Guidelines for the Management of Pontianak City Zakat. Abu Ubaid Al-Qasim Bin Salam gave new thoughts and perspectives on the government's role in zakat management, including the management of zakat - zakat other than zakat assets that can be taken forcibly if not fulfilled. Thus making the government as the sole executor and punisher. Regarding the distribution of excess use of zakat funds, it can be transferred to other areas, not just for business development that has been carried out as it is now. This research uses literature study research. The type of data used is secondary data, namely data obtained indirectly. The data needed in this study were taken from documents related to research. The data analysis technique used was descriptive analytic which was sourced from the discussion in the Kitab al-Amwal by Abu Ubaid al-Qasim and its relation to the role of the government, especially the Pontianak city government.
Pengaruh Religiusitas, Dan Harga Terhadap Minat Beli Fashion Halal Dengan Sikap Sebagai Variabel Intervening Religiusitas (Studi Di Kota Kendari Provinsi Sulawesi Tenggara)
Authors: Kurniawan Rudi , Alimusa La Ode , Adnan Hakim Al Asy Ari
Published: March 2024

This study aims to determine the effect of religiosity and price on interest in buying halal fashion through attitude variables as an intervening variable in Kendari City. The sample in this stud is 100 halal fashion consumers in Kendari City, obtained by purposive sampling. All data obtained through infrastructure deployment via GoogleForms are analyzed using Smart PLS. This study concludes that religiosity has a positive and significant effect on buying interest in halal fashion, the price has a positive and significant effect on attitudes, the price has a positive and significant effect on buying interest, and religiosity has a positive and significant effect on purchasing through attitude mediation. Thus, the price affects the low attitude and interest in buying halal fashion in Kendari City, while religiosity can affect the interest in buying halal fashion in Kendari City either directly or through attitude mediation.
ANALISIS DETERMINAN PERILAKU KONSUMTIF KELUARGA MUSLIM KOTA TANJUNGBALAI DENGAN PENDAPATAN SEBAGAI VARIABEL INTERVENING
Authors: Sitorus Frisa Silwy , Yafiz Muhammad , Kamilah Kamilah
Published: March 2024

This study aims to determine the effect of financial literacy, lifestyle, income and financial attitudes on the consumptive behavior of Muslim families through income as an intervening variable. In this study, researchers used quantitative methods by processing primary data through questionnaires distributed to Muslim families in Tanjungbalai City as many as 100 respondents with the sampling technique of proportionate stratified random sampling.The data obtained were then processed using SPSS Version 25, then analyzed using path analysis. The analysis used includes the validity and reliability test of the instrument, the classical assumption test which includes the normality test, the multicollinearity test, and the heteroscedasticity test, as well as the statistical test which provides for the determination test, partial test (t-test), and simultaneous test (f-test).The results show that partially financial literacy has an effect on income, lifestyle partially affects income, financial attitudes partially have no effect on income, while income partially affects consumptive behavior. As for Financial Literacy partially affects Consumptive Behavior, Lifestyle partially affects Consumptive Behavior, Financial Attitude partially does not affect Consumptive Behavior. From the results of the significant test, it was obtained that Financial Literacy and Lifestyle had a significant and significant effect on Consumptive Behavior through Income. Meanwhile, Financial Attitude has no significant effect on Consumptive Behavior through Income with a 95% confidence level or an error rate of 5%.
Analisis Kepuasan Nasabah Terhadap Layanan Simpan Pinjam di BMT UMS Safinatunnajah
Authors: Kurniawan Rian , Abadi Septriau Putra , Maani Bahrul , Hardi Eja Armas , Sucipto Sucipto
Published: March 2024

Penelitian ini bertujuan untuk mengetahui bagaimana cara melayani kepuasan nasabah. Kepuasan nasabah tergantung dari apa yang dirasakan nasabah, sehingga nasabah memberikan tanggapan positif maupun negatif terhadap BMT tersebut. Pengumpulan data yang digunakan dalam penelitian ini dilakukan dengan mengguna kan metode wawancara dan pengamatan lapangan, sedangkan sifat penelitian ini bersifat kualitatif, yaitu menggambarkan tentang layanan simpan pinjam di BMT UMS Safinatunnajah. Hasil penelitian berkenaan dengan kepuasan nasabah di BMT UMS Safinatunnajah sebagian nasabah merasakan kepuasan terhadap layanan jasa simpan pinjam mudharabah. Yang diberikan oleh. BMT UMS Safinatunnajah. Hal ini disebabkan pihak BMT UMS Safinatunnajah melaksanakan jasa simpan pinjam mudharabah sesuai syariah dengan menggunakan bagi hasil sehingga dalam pelaksanaannya tidak mengandung ghoror, maisir judi ataupun riba serta unsur-unsur yang bertentangan dengan syariat Islam.