Indonesian Journal of Islamic Economics and Business

Determinan Kemiskinan Di Indonesia Menurut Perspektif Pembangunan Islam Periode 2007-2021

Rossyta Asril, Hesi Eka Puteri — Thu, 06 Jun 2024 00:00:00 +0000

Poverty is a very difficult problem to be solved by both developed and developing countries. This research was conducted to see how if the distribution of zakat funds, economic growth has been allocated properly and appropriately can it reduce the number of poverty levels and what if unemployment decreases can it reduce the amount of poverty. The research method used is quantitative research with a total sample of 30 taken from the last 15 years using a semi-annual time series. The method of data collection was carried out using the publication documentation method from the BPS Indonesian 2022 and the Financial Report of the BAZNAS, then analyzed using a multiple linear regression model using Eviews software version 12. This study found that the distribution of zakat funds and unemployment had an impact on the level of poverty in Indonesia. Economic growth has no impact on poverty in Indonesia. This study recommends a strategy in reducing poverty by allocating productive zakat funds with the right target and improving community economic growth and reducing the number of unemployed by looking at human resources, namely by carrying out social empowerment to the community so that unemployment will be reduced, and will increase income and will impact on poverty.

Analisis Dampak Kinerja Pengelolaan Zakat Dalam Pengentasan Kemiskinan Pada Kabupaten Ogan Komering Ilir

Muhammad Ghufron Khafidin, Achmad Firdaus, Ahmad Mukhlish Yusuf — Thu, 06 Jun 2024 00:00:00 +0000

The population of Ogan Komering Ilir Regency in 2020 was 769,348 people. The poverty rate in 2020 reached 123.34 thousand people, then in 2021 it increased to 124.78 thousand people. The increasing poverty rate is a problem for the performance of zakat managers, while zakat itself is a form of poverty alleviation effort. This research is to determine the impact of zakat management performance in alleviating poverty in Ogan Komering Ilir district and the factors that influence the performance of zakat management in poverty alleviation. Quantitative descriptive analysis method. The total respondents in this study were 100 respondents from zakat management employees in each district, sub-district, sub-district/village of Ogan Komering Ilir district. In this research, a new variable is added in the performance of zakat management, namely the muzakki trust variable. The analysis method in this research uses Partial Least Squares Structural Equation Modeling (PLS-SEM). The results of this research show that zakat management performance factors influence poverty alleviation by 59.2% and the remaining 40.8% is influenced by other variables. Overall, the performance of zakat management has a positive and significant effect on poverty alleviation.

Pengaruh Kualitas Corporate Governance terhadap kinerja Perbankan Syariah: Studi Negara Asia Tenggara

Aris Setyawan, Murniati Mukhlishin, Sigid Eko Pramono — Thu, 06 Jun 2024 00:00:00 +0000

This study aims to examine the effect of corporate governance quality on financial performance in Islamic banking in the Southeast Asian region by looking at the relationship between variables with each other. The dependent variable in this study is Financial Performance proxied by ROA (Return on Asset). The independent variable is Corporate Governance which is proxied by the Size of the Audit Committee, and the Number of Audit Committee Meetings, the Size of the Sharia Supervisory Board, and the Number of Sharia Supervisory Board Meetings. The data analysis method in this study uses multiple linear regression. The research samples used in this study were 10 (ten) Islamic commercial banks in Southeast Asian countries. The data used in this study are secondary data from annual reports and good corporate governance reports of Islamic banking in Southeast Asia for the period 2015-2019. The research findings show that GCG proxied by the Size of the Audit Committee and the Number of Audit Committee Meetings has no significant effect on financial performance proxied by ROA (Return on Asset). Meanwhile, GCG proxied by the Size of the Sharia Supervisory Board and the Number of Sharia Supervisory Board Meetings has a significant effect on financial performance proxied by ROA (Return on Asset). This shows that the role of the Sharia Supervisory Board in ensuring that company operations run in accordance with Islamic values has a very important role and is the core of the integrity and credibility of Islamic Banks and has a significant influence in improving the company's financial performance.

Pengaruh Pengetahuan dan Reputasi terhadap Kepercayaan dan Intensi Berkurban di Masjid dengan Moderasi Religiusitas

Vita Oktafia, Yudi Sutarso — Thu, 06 Jun 2024 00:00:00 +0000

This research analyze the trust and intention of the community to kurban at the mosque. This research uses a quantitative approach with a purposive sampling technique and uses the SEMPLS test. This study was conducted to determine the relationship between knowledge and reputation variables on trust and intensity of kurban in mosques with religiosity as a moderating variable. The data used is primary data in the form of a questionnaire with a population obtained from one hundred and one respondents who are Muslims. The results of this study show public knowledge and mosque reputation do not affect the intensity of people's kurban at the mosque. However, knowledge and reputation affect the increase in public trust in the mosque. And then religiosity as a moderating variable in this study does not affect the intensity of the community to kurban at the mosque.

Faktor-Faktor yang Mempengaruhi Tingkat Bagi Hasil Deposito Mudharabah pada Bank Umum Syariah selama Pandemi COVID-Periode 2019-2021

Helmi Rosmelina, Romi Adetio Setiawan, Rizky Hariyadi — Thu, 06 Jun 2024 00:00:00 +0000

This study aims to analyze the factors influencing the profit-sharing level of mudharabah deposits in Islamic commercial banks both partially and simultaneously during the COVID-19 pandemic in Indonesia from 2019 to 2021. The dependent variable in this study is the profit-sharing rate of mudharabah deposits, while the independent variables include Financing to Deposits Ratio (FDR), Non-Performing Financing (NPF), and Inflation. The population comprises Islamic commercial banks operating in Indonesia that have published comprehensive financial reports during the vulnerable period from 2019 to 2021. Following the selection process, the target population consists of five banks, namely BCA Syariah Bank, Mega Syariah Bank, Panin Dubai Syariah Bank, Bukopin Syariah Bank, and Victoria Syariah Bank. The sampling method employed in this study is a nonprobability sampling technique using purposive sampling. The results indicate that both partially and simultaneously, the variables Financing to Deposits Ratio (FDR), Non-Performing Financing (NPF), and Inflation significantly affect the profit-sharing level of mudharabah deposits. The Coefficient of Determination (R2) reveals that in this study, all independent variables contribute to the dependent variable by 60.9%. The remaining 39.1% is influenced by other variables not included in this study, such as Capital Adequacy Ratio (CAR), interest rates, and other factors.

Analisis Efektifitas Penyaluran Dana Zakat Melalui Program Pemberdayaan Mustahik pada UPZ BAZNAS PT Petrokimia Gresik

Devy Dwi Nursafitri Muchlis, Nina Dwi Setyaningsih — Thu, 06 Jun 2024 00:00:00 +0000

The mustahik empowerment program is a form of effort made by the Indonesian government in maintaining the potential of zakat in order to improve economic conditions, and one's survival. However, in reality, the potential of zakat in Indonesia has not been maximized. In order for the potential of zakat to be utilized properly, effective management and distribution of zakat funds are needed. This research aims to find out, analyze, and explain how the effectiveness of the distribution of zakat funds carried out by UPZ BAZNAS PT Petrokimia Gresik through mustahik empowerment programs that are run. This research uses qualitative research with a descriptive approach. The data used are primary data, namely the results of direct interviews with related parties, as well as secondary data, namely reports on the distribution of zakat funds for each program run by UPZ BAZNAS PT Petrokimia Gresik, as well as books, journals, and articles related to the title of this research. The results showed that the main purpose of the distribution of zakat funds through mustahik empowerment programs run by UPZ BAZNAS PT Petrokimia Gresik has achieved its main objectives, namely to prosper the lives of mustahik, support the mustahik's economy to be better and minimize the poverty rate in Gresik Regency. The distribution of zakat funds through this mustahik empowerment program can also be said to be effective.

Pengaruh Tingkat Literasi Wisata Halal, dan Perilaku Wisatawan Terhadap Minat Berwisata Halal di Provinsi Riau

Abdi Riansyah, Nurizal Ismail — Thu, 06 Jun 2024 00:00:00 +0000

This research aims to analyze the effect level of halal tourism literacy and tourist behavior towards interest in visiting halal tourism with a focus on halal tourism in Riau Province. This research uses the PLS-SEM (Partial Least Square Structural Equation Modeling) method to illustrate the results of regression analysis related to testing the relationship between independent and dependent variables. The results of this research reveal that the variables of halal tourism literacy and tourist behavior have a significant effect on interest in visiting halal tourism, which means that the better the public's literacy towards halal tourism, the better the public's attitude towards halal tourism. Vice versa, the better the public's attitude towards halal tourism, the higher the interest in visiting halal tourism. Therefore, it is important to cultivate a positive image of halal tourism to ensure halal tourism in Indonesia, especially in Riau Province.

Strategi Supir Angkot Bertahan Dalam Menghadapi Persaingan Taksi Online Dalam Perspektif Ekonomi Islam

Trimuji Hendro Prabowho, Romi Adetio Setiawan, Yetti Afrida Indra — Thu, 06 Jun 2024 00:00:00 +0000

The purpose of this research is to understand the application of Islamic economic principles by public transportation drivers in Bengkulu City, with the expectation that they can effectively compete with online taxis. Additionally, this study aims to comprehend how these drivers can meet their daily needs amid the increasing popularity of online taxis. The research employs a qualitative descriptive method, with data collected through questionnaires, interviews, and documentation. The gathered information is analyzed using selection, summarization, presentation, and conclusion-drawing techniques. The research findings indicate that some public transportation drivers do not adhere to Sharia economic principles due to a lack of understanding of their application in the Islamic context. One of the informants interviewed said that there were still drivers who set rates that were considered excessive, contradicting Islamic values that prohibit actions harmful to passengers. Furthermore, the study reveals the absence of a specific method currently utilized by public transportation drivers to attract passengers. The primary target demographic for these drivers appears to be mothers wanting to go to the market and schoolchildren, possibly due to their limited understanding of utilizing online taxis.

Economic Empowerment of Mosques as Provider for Community Economic Services

M Rachman Mulyandi, Vesya Lonica S, Tesalonika Yumeina — Thu, 06 Jun 2024 00:00:00 +0000

The number of people in Indonesia is mostly Muslim and has a population of 86.7% in Indonesia. Seeing this, it can be one of the steps to alleviate poverty in Indonesia through the development of economic empowerment where the development of economic empowerment can be carried out through mosques because there are 660 thousand mosques in Indonesia. So the purpose of this study is to analyse the economic empowerment that can be carried out by the Mosque through management or social financial institutions to overcome poverty in Indonesia. Qualitative research method with literature study technique used in this research. The result of this research is that the function of mosques in Indonesia is still used only for worship, so that the funds collected to the mosque manager are only used for mosque operational activities. However, some mosques have implemented economic empowerment development programmes, the concept of which is mostly to provide training to the community so that they are ready to work and provide funding for people who already have businesses. Finally, the importance of the government's role in order to maximise economic empowerment through mosques in Indonesia is needed so that there is a common point of view in managing mosque funds for community economic empowerment. Mosque administrators must also begin to change their point of view regarding the management of funds in the mosque not only for mosque operations, but can also be developed for community economic empowerment.

Analisis Manajemen Pembiayaan Lembaga Keuangan Mikro Syariah Di BMT-UGT Nusantara Capem Kamal

Wahyuni Dwi Utari, Lailatul Qadariyah — Thu, 06 Jun 2024 00:00:00 +0000

This study examines the management of sharia financing at BMT UGT Nusantara Capem Kamal which faces various problems and challenges. In addition, this study ensures that the BMT UGT Nusantara Capem Kamal institution complies with sharia law in managing its sharia financing. This study applies a descriptive method that is qualitative. This study collects primary data through observation, interviews, and documentation with the Leader of BMT UGT Nusantara Capem Kamal as the key informant. Through literature analysis from various related sources, this study also collects relevant secondary data. From the results of this study, it can be concluded that the management of sharia financing at BMT UGT Nusantara Capem Kamal is in accordance with sharia, effective, efficient, and responsive to the needs and abilities of members and the community, and able to overcome financing risks fairly and wisely. The sharia financial institution BMT UGT Nusantara Capem Kamal, manages sharia financing well, efficiently, and in accordance with sharia. BMT UGT Nusantara Capem Kamal can overcome financing problems and adjust financing products to the needs and abilities of members and the community.

Strategi Meningkatkan Efektifitas Penyaluran Dana Zakat di Masjid Jogokariyan Yogyakarta

Sodiq Almustofa, Amin Awal Amarudin — Mon, 10 Jun 2024 00:00:00 +0000

As a developing country with the second largest Muslim population in the world, Indonesia certainly has great potential in developing zakat fund management, however, there are still many zakat fund management institutions that do not yet have a mature strategy for optimizing their management. Currently there is at least one institution. amil zakat company which is quite famous for its good management of zakat funds, namely Baitul Maal Jogokariyan Mosque (BMMJ). This research aims to examine how effective strategies have been implemented by BMMJ in managing zakat funds. This research uses a descriptive qualitative approach in its discussion, the results of this research show that BMMJ uses at least 4 approaches adopted from saters theory in optimizing its processing management.

Pengaruh Aset, Dana Pihak Ketiga (DPK) dan Pembiayaan Terhadap Kinerja Keuangan Perbankan Syariah Tahun 2014-2023

Yuda Yudianto, Iwan Setiawan — Mon, 10 Jun 2024 00:00:00 +0000

Islamic banking has a role as an intermediary institution, the main task of Islamic banking is to collect funds from the public in the form of deposits or third party funds, then channel these funds in the form of credit or financing while managing existing assets properly. Financing channeled to the public has an important meaning both for the community and for Islamic banking itself to be able to improve financial performance. One of the parameters to measure financial performance is Return On Asset (ROA). Indonesia is one of the countries with a financial services sector consisting of two working principles, namely conventional and sharia. The Islamic financial sector can play a role in encouraging the country's economic growth, especially through Islamic banking savings and financing services. The purpose of this study is to examine and analyze the effect of total assets, financing disbursed (PyD), third party funds (DPK), on Return on Assets (ROA), namely micro. This study uses secondary data from Islamic Banking Statistics (SPS) for the first quarter of 2014 to the fourth quarter of 2023 in aggregate from Islamic Commercial Banks (BUS), Islamic Business Units (UUS) and Islamic People's Financing Banks (BPRS). With time series data, the data processing technique used in this research is multiple linear regression with the Ordinary Least Square (OLS) method using Eviews 10 software to determine the relationship between the independent variable (X) and the dependent variable (Y). The results showed: Partially Total Asset, DPK, and PyD have a positive and significant influence on ROA (financial performance).

Analisis Manajemen Pemberdayaan Ekonomi Masyarakat Melalui Program Zakat Produktif di Baznas Kota Jambi

Suhardi -, Nazori Majid, Rafidah - — Wed, 12 Jun 2024 00:00:00 +0000

This research aims to find out what efforts are being made by BAZNAS Jambi City to manage productive zakat empowerment in improving the community's economy, find out what programs are distributed and to find out what are the causes of obstacles and supporters of mustahik's success in empowering productive zakat. This research uses qualitative methods, the data sources used are primary and secondary data sources with data collection techniques and instruments through interviews and documentation. The research results show that BAZNAS Jambi City has carried out management functions in managing zakat. The planning process involves determining the program and the amount of funds distributed to each BAZNAS program. The implementation of the organizing function can be seen in the BAZNAS organizational structure which describes the grouping of activities. However, the management function is still not optimal in terms of implementation and supervision due to several obstacles, namely limited professional human resources in managing zakat and lack of monitoring by BAZNAS towards zakat recipients. The flagship program from BAZNAS can provide positive value for economic empowerment and the direct impact of productive zakat is mustahik income. Efforts have been made to improve the management and empowerment of zakat in the city of Jambi, although it is still not optimal and effective, but BAZNAS continues to try to improve its performance and increase the professionalism of Human Resources at the BAZNAS Institution and continue to collaborate with related parties to support the implementation of the goals of BAZNAS.

Jual Beli Online dalam Prespektif Alquran

Mukhtar Galib, Maulana -, Achmad Abubakar, Muhammad Irham — Wed, 12 Jun 2024 00:00:00 +0000

Abstract

The purpose of this research is to gain a comprehensive understanding of online buying and selling practices from the perspective of the Quran. This study involves the analysis of principles outlined in the Quran that can be applied to online commerce in the present-day context. The research findings demonstrate that online transactions, when examined through the lens of the Quran, should adhere to principles of justice, honesty, transparency, avoidance of usury, consumer protection, and contract fulfillment. While the Quran does not explicitly address online buying and selling, the principles contained within it can be effectively applied to ensure that these transactions align with Islamic values. The research underscores the significance of consulting qualified experts in interpretation (tafsir) and Islamic jurisprudence (fiqh) to attain a deeper understanding of these principles within the specific context of online commerce. By adhering to the Quranic principles, individuals engaging in online buying and selling can foster an environment of fairness, integrity, and ethical conduct. This research serves as a valuable guide for Muslims seeking to navigate the realm of online commerce in a manner that upholds the teachings and values of Islam. It highlights the importance of incorporating the Quranic principles into contemporary business practices and emphasizes the need for continuous consultation with experts to ensure a comprehensive understanding of these principles in the context of online buying and selling.

Keywords: Online transactions, Quranic perspective, Principles, Islamic values

The Impact of Risk Management on Islamic Bank Performance in Indonesia

Muh. Khairul Fatihin, Muhammad Sapwan, Nizar Hosfaikoni Hadi — Sat, 29 Jun 2024 00:00:00 +0000

Risk management gained growing attention in Islamic banking. This study aims to investigate the impact of risk management on the performance of Islamic banks in Indonesia. The risks used are financing risk, market risk, operational risk, liquidity risk, and rate of return risk (ROR). Using the data panel regression, where the method is the best method for data consisting of time series and cross sections. The data is obtained from the financial reports of each Islamic commercial bank. Meanwhile, the sampling technique used is the purposive sampling technique. The result shows that Financing risk, market risk, liquidity risk, and rate of return risk have a significant effect on Islamic bank performance. Overall, financing risk is the most influential risk toward the performance of Islamic banks in Indonesia. The results of this study have important implications for practitioners and regulators. Therefore, Islamic banks need to improve the standards of risk management practices, especially financing risk management.