Journal Title : An-Nisbah Frequency : April and October DOI : 10.21274 E-ISSN : 2549-5712 Editor In Chief : Prof. Dr. Agus Eko Sujianto., M.M Publisher : Faculty Economy and Islamic Bussiness UIN Sayyid Ali Rahmatullah Tulungagung Indexing : DOAJ, SINTA 3, Dimension, Google Scholar, Garuda Contact Us : annisbah@uinsatu.ac.id 0821 3268 8885 (Dr. Ahmad Sodiq., M.H) An-Nisbah: Jurnal Ekonomi Syariah is a high-quality, open-access, peer-reviewed journal published by the Faculty of Islamic Economics and Business (FEBI) at Sayyid Ali Rahmatullah State Islamic University (UIN) Tulungagung, Indonesia. Established as a prominent platform for scholarly discourse, An-Nisbah is dedicated to the dissemination of original research and current issues within the field of Islamic banking and finance. The journal serves as a bridge between academics, researchers, and practitioners to share innovative ideas and empirical findings that contribute to the development of the global Islamic financial ecosystem. Focus and Scope The journal invites original articles that employ rigorous methodologies—including qualitative, quantitative, and library research—across a broad range of topics, including but not limited to: Islamic Banking Operations and Management Sharia Compliance and Governance Islamic Fintech and Digital Banking Islamic Capital Markets and Investment Social Finance (Zakat, Waqf, and Sadaqah) Sharia Macro and Microeconomics Risk Management in Islamic Financial Institutions
The author has full rights to the articles that has been sent to An-Nisbah: Jurnal Ekonomi Syariah. The author is responsible for the originality of the articles and all the references used in the journal script.
The Influence Of Islamic Banks, ISSI And SBSN Financing On Indonesia's Gross Domestic Product
The purpose of this study is to find out how financing, ISSI and SBSN affect gross domestic product. The results of this study are expected to be useful for the government and industry players in Indonesia in knowing the picture of the state of the financial sector and formulating policy strategies in the future so as to create high and stable real sector growth to be able to encourage economic growth in Indonesia. The results of the study show that: 1) The influence of Islamic Banking Financing has no effect on GDP. 2) ISSI has no influence on GDP. 3) SBSN has no significant influence on GDP. 4) Sharia, ISSI, and SBSN banking financing simultaneously have an influence on GDP
Copyright (c) 2024 Rafika Ananda Putri, Muhammad Lathief Ilhamy Nasution, Atika https://creativecommons.org/licenses/by-sa/4.0
Integrating Sharia Economic Principles Into Chocolate Agribusiness: A Case Study Of Nglanggeran Village, Gunungkidul Regency
This study examines the integration of Sharia economic principles into the chocolate agribusiness in Nglanggeran Village, Gunungkidul Regency. Nglanggeran Village is recognized for its unique and sustainable agribusiness model, combining cocoa farming with tourism to enhance local economic development. The study employs both qualitative and quantitative methods, utilizing case study design to analyze how Sharia principles such as justice (Al-'Adl), benefit (Al-Maslahah), prohibition of usury, and partnership (Shirkah) are applied in agribusiness practices. Data were collected through interviews with key stakeholders and secondary sources, focusing on the role of farmer groups, government support, and institutional collaboration in agribusiness management. The findings reveal that Sharia principles contribute to a fair and transparent distribution of profits, ethical financing models, and sustainable business practices that align with community welfare. This research highlights the importance of ethical and sustainable agribusiness management as a tool for local economic empowerment and provides strategic recommendations for enhancing the sustainability of cocoa agribusiness through Sharia principles.
Copyright (c) 2024 Nirwasita Daniswara, Moh. Miradj https://creativecommons.org/licenses/by-sa/4.0
The Influence Of Third Party Funds (Dpk), Cost Of Funds (Cof), And Liquidity On Profitability In Indonesian Islamic Banks (BSI) In 2021 - 2024
Third party funds are a source of funds for the bank in channeling it back to the community in the form of loans or financing, third party funds collected by the bank will return to the community with a difference in the ratio / profit sharing and / or margin in accordance with the agreed agreement, giving rise to Cost of Fund for the bank against these third party funds. Apart from that, the third party funds can be taken at any time by the customer in accordance with the deposit product so that the bank is obliged to maintain and guarantee financial liquidity both in the long, medium and short term. Bank as an industry also focuses on profitability so that one of its goals is to generate profits or profits. In this research process, researchers carry out a balance sheet study focus to see the level of value of each variable including third party funds, cost of funds and liquidity. The mechanism used regarding this research uses samples from the financial statements of Bank Syariah Indonesia with financial reports presented monthly from 2021-2024. The analysis test is used to be able to see how much influence on each variable by using descriptive testing, classical assumptions, and multiple linear regression. The results of the tests that have been carried out present data that Third Party Funds (DPK), Cost Of Fund (COF), have positive significant results on Profitability. While the results of the liquidity variable proxied by the current ratio are not positively significant to profitability at Bank Syariah Indonesia (BSI) with the period 2021-2024.
Copyright (c) 2024 An-Nisbah: Jurnal Ekonomi Syariah
Determining Factors in Decisions to Purchase Halal Products: Evidence from the Indonesian Muslim Community
This study aims to analyze the effect of religiosity attitudes, halal knowledge, halal awareness, halal behavior on purchasing decisions for halal products among Muslim communities in the Pekalongan and Pontianak regions. This research was conducted as field research with a quantitative approach. Research data in the form of Muslim community perceptions were collected using questionnaires distributed using G-Form in the Pekalongan and Pontianak areas. A total of 401 respondents were determined using an incidental sampling model. The collected data were analyzed with the EVIEWS application. The results showed that the variables of halal awareness and halal behavior had a positive and significant effect on purchasing decisions on purchasing decisions for halal products. Conversely, religiosity attitudes and halal knowledge have a positive effect on purchasing decisions for halal products but are not significant. Simultaneously, the contribution of the four variables to the decision to purchase halal products is 67%. From this study, recommendations can be made that intrinsic human factors remain a driving force for Muslims to purchase halal products. Manufacturers of halal products should always pay attention to these factors to improve marketing performance.
Copyright (c) 2024 Happy Sista Devy https://creativecommons.org/licenses/by-sa/4.0
Economic Thought During The Time Of Utsman Bin Affan And Its Relevance In Today's Era
Islam as a complete religion has regulated the Koran, Sunnah, ijma and empirical experience related to economic values. So we often hear the term Islamic Economics as a science that studies economics based on the principles applied by Islam. Islamic Economic Thought has developed since the time of the Prophet Muhammad, continued by his friends and followers until today as we know it. One of the Islamic figures during the Khulafaurrasyidin era who developed the country economically was Uthman bin Affan. This research examines economic thinking during the time of Uthman bin Affan and its relevance today. This research is qualitative research using a library research approach, which is research carried out by using relevant books and journal articles as study material which is then analyzed and concluded.
Copyright (c) 2024 Herlinda, Arif Rahman https://creativecommons.org/licenses/by-sa/4.0
Beyond The Sustainable Development In Islamic Economics: A Bibliometric Analysis
The main objective of this research is to find out the trend of sustainable development from an Islamic economic perspective and study the mechanisms Islam provides to achieve sustainable development. The research methodology involves both qualitative and quantitative methods. Qualitative analysis is done through a literature review, while quantitative analysis is conducted through bibliometric analysis using R Studio and VOSviewer on articles indexed by Scopus. The study identified 180 relevant articles related to the topic from 2008 to 2023, which indicates a growing awareness of using Islam as an alternative solution to economic, social, and environmental issues. Based on the results of the literature review, Islamic financial instruments are a fairly dominant discussion theme in the Islamic sustainable development model. This development model has been implemented by many countries and has had a positive impact on realizing social welfare. The application of Islamic ethics based on maqashid sharia is also continuously promoted by article writers so that it becomes the basis for the development of Islamic countries. It is hoped that this research can contribute to the progress of the Islamic economic system and become a reference for further research.
Copyright (c) 2024 Annisa Nur Istiqomah, Sri Muljaningsih https://creativecommons.org/licenses/by-sa/4.0
Does The Distribution Of Zakat, Infaq And Sadaqah Have The Biggest Influence On Inequality In Indonesia?
Inequality is a development issue that is consistently addressed during the preparation and formulation of development plans in Indonesia. The primary objective of development, both in the short and long term, has consistently been the Gini Index or Gini coefficient, which serves as an indicator of inequality. This is in stark contrast to the concept of zakat in the sharia economic framework, which is the primary tool for addressing the issue of income distribution, which results in poverty and inequality. Therefore, the objective of this investigation is to identify the variables that have the most significant impact on the reduction of inequality. A quantitative research methodology with a comparative causal approach is implemented. The independent variables are the Economic Growth Rate (X2), Human Development Index (X3), and the distribution of zakat, infaq, and sadaqah (X1). At the same time, the Gini Index is Y. The research findings indicate that the distribution of zakat, infaq, and shadaqah has the most substantial impact in comparison to the variables of economic growth and human development index. This reinforces the principle of zakat, infaq, and shadaqah as the primary instruments in the sharia economic concept for the reduction of income inequality.
Copyright (c) 2024 Dharma Yanti https://creativecommons.org/licenses/by-sa/4.0
INTEGRATING SHARIA ECONOMIC PRINCIPLES INTO CHOCOLATE AGRIBUSINESS: A CASE STUDY OF NGLANGGERAN VILLAGE, GUNUNGKIDUL REGENCY
Abstrak: Penelitian ini mengkaji integrasi prinsip-prinsip ekonomi syariah dalam agribisnis cokelat di Desa Nglanggeran, Kabupaten Gunungkidul. Desa Nglanggeran dikenal dengan model agribisnis yang unik dan berkelanjutan, menggabungkan pertanian kakao dengan pariwisata untuk meningkatkan pengembangan ekonomi lokal. Penelitian ini menggunakan metode kualitatif dan kuantitatif dengan desain studi kasus untuk menganalisis bagaimana prinsip syariah seperti keadilan (Al-'Adl), kemaslahatan (Al-Maslahah), larangan riba, dan kemitraan (Syirkah) diterapkan dalam praktik agribisnis. Data dikumpulkan melalui wawancara dengan pemangku kepentingan utama dan sumber sekunder, yang berfokus pada peran kelompok tani, dukungan pemerintah, dan kolaborasi kelembagaan dalam pengelolaan agribisnis. Temuan menunjukkan bahwa prinsip-prinsip syariah berkontribusi pada distribusi keuntungan yang adil dan transparan, model pembiayaan yang etis, dan praktik bisnis berkelanjutan yang selaras dengan kesejahteraan masyarakat. Penelitian ini menyoroti pentingnya pengelolaan agribisnis yang etis dan berkelanjutan sebagai alat pemberdayaan ekonomi lokal serta memberikan rekomendasi strategis untuk meningkatkan keberlanjutan agribisnis cokelat melalui penerapan prinsip-prinsip syariah. Kata kunci: ekonomi syariah, agribisnis cokelat, desa nglanggeran, keberlanjutan, pembiayaan islami. Abstract: This study examines the integration of sharia economic principles into the chocolate agribusiness in Nglanggeran Village, Gunungkidul Regency. Nglanggeran Village is recognized for its unique and sustainable agribusiness model, combining cocoa farming with tourism to enhance local economic development. The study employs both qualitative and quantitative methods, utilizing case study design to analyze how sharia principles such as justice (Al-'Adl), benefit (Al-Maslahah), prohibition of usury, and partnership (Syirkah) are applied in agribusiness practices. Data were collected through interviews with key stakeholders and secondary sources, focusing on the role of farmer groups, government support, and institutional collaboration in agribusiness management. The findings reveal that sharia principles contribute to a fair and transparent distribution of profits, ethical financing models, and sustainable business practices that align with community welfare. This research highlights the importance of ethical and sustainable agribusiness management as a tool for local economic empowerment and provides strategic recommendations for enhancing the sustainability of cocoa agribusiness through sharia principles. Keywords: sharia economics, cocoa agribusiness, nglanggeran village, sustainability, islamic finance.
THE ROLE OF ENVIRONMENTAL KNOWLEDGE AND ATTITUDE IN SHAPING THE BEHAVIOR OF SME ACTORS (A MULTI-CASE STUDY IN KEDIRI CITY)
Abstract: In Indonesia, Small and Medium Enterprises (SMEs) make up approximately 99% of the total businesses and absorb 97% of the workforce, making SMEs a key contributor to the economic sector. However, the waste produced by SMEs is also considerable when compared to large-scale businesses. Research discussing the environmental impact of SME economic activities is still very limited, despite the importance of the relationship between SMEs and the environment as a critical issue to study. The aim of this study is to obtain an in-depth and holistic description of the knowledge, attitude, and production behavior of SME actors regarding environmentally conscious production. This research is qualitative in nature. Three data collection procedures will be used in this study: interviews, observations, and documentation. Based on the analysis conducted, the research findings are: (1) business owners have limited knowledge of environmentally conscious economics; (2) SME owners have a positive attitude towards environmentally conscious business practices; (3) some SMEs still use raw materials harmful to the environment and do not engage in waste management. Keywords: Knowledge, Attitude, Environmentally Conscious Behavior Abstrak: Di Indonesia, jumlah pelaku Usaha Kecil dan Menengah (UKM) sekitar 99% dari total perusahaan/usaha yang ada di Indonesia dan menyerap 97% tenaga kerja sehingga UKM memainkan peran penting memberikan konstribusi di sektor ekonomi. Namun, limbah yang dihasilkan oleh UKM juga tidak kalah besar jika dibandingkan dengan usaha skala besar. Penelitian yang membahas dampak aktivitas ekonomi dari UKM terhadap permasalahan lingkungan juga masih minim sekali. Padahal, antara UKM dan lingkungan merupakan permasalahan yang penting untuk diteliti. Tujuan dari penelitian ini adalah untuk memperoleh deskripsi secara mendalam dan holistik tentang pengetahuan, sikap, perilaku produksi yang dimiliki oleh pelaku UKM tentang produksi berwawasan lingkungan. Sehingga penelitian ini merupakan penelitian kualitatif. Ada tiga prosedur pengumpulan data yang akan digunakan dalam penelitian ini, yaitu: wawancara, observasi, dan dokumentasi. Berdasarkan analisis yang telah dilakukan, temuan penelitian adalah (1) pengusaha memiliki pengetahuan yang terbatas tentang ekonomi berwawasan lingkungan. (2) pemilik UKM memiliki sikap yang setuju/mendukung terhadap usaha yang berwawasan lingkungan. (3) masih terdapat UKM yang mengunakan bahan baku yang membahayakan lingkungan dan tidak melakukan pengolahan limbah. Kata Kunci: Pengetahuan, Sikap, Perilaku Berwawasan Lingkungan
MANAGEMENT AND DEVELOPMENT MODEL OF VILLAGE-OWNED ENTERPRISES IN ISLAMIC ECONOMIC STUDIES
Abstrak: Kajian ini bertujuan untuk merumuskan model ideal pengelolaan dan pengembangan Badan Usaha Milik Desa (BUMDes) berbasis ekonomi Islam. Hal ini didasarkan adanya amanat Undang-Undang untuk membangun perekonomian desa melalui institusi BUMDes, namun selama ini eksistensi BUMDes belum berjalan sesuai dengan harapan dan hanya terkesan sebagai lembaga politik ekonomi di tingkat pemerintah desa. Padahal, pemerintah dan masyakat desa memiliki beban berat untuk menjalankan BUMDes di tengah masyarakat desa dalam rangka memberikan pengembangan di sektor perekonomian. Dalam ekonomi Islam, pengelolaan dan pengembangan BUMDes memiliki esensi pada terealisasinya nilai kesejahteraan, keadilan, dan pemerataan. Kajian ini merupakan kajian kualitatif melalui studi lapangan dari data observasi, wawancara, dan dokumentasi dengan metode deskriptif dan content analysis sebagai metode paparan dan analisis data. Temuan dalam kajian ini menunjukkan bahwa pengelolaan dan pengembangan BUMDes di lapangan masih mengedepankan pola pengelolaan berbasis lokalitas, metode pengembangan konvensional dan terlihat belum maksimalnya sinergisitas para stakeholder di tingkat desa. Sementara ekonomi Islam melalui esensi tujuan syariat (maqashid syari’ah) dapat dijadikan landasan dalam pengelolaan dan pengembangan BUMDes. Kata kunci: Ekonomi Islam, BUMDes, Maqashid Syari’ah. Abstract: This study aims to formulate an ideal model of management and development of Village-Owned Enterprises (BUMDes) based on Islamic economics. This is based on the mandate of the Law to develop the village economy through the BUMDes institution, but so far the existence of BUMDes has not run as expected and only seems to be a political economic institution at the village government level. In fact, the government and village community have a heavy burden to run BUMDes in the middle of the village community in order to provide development in the economic sector. In Islamic economics, the management and development of BUMDes has the essence of realising the values of welfare, justice and equity. This study is a qualitative study through field studies from observation, interview, and documentation data with descriptive methods and content analysis as methods of data exposure and analysis. The findings in this study show that the management and development of BUMDes in the field still prioritise locality-based management patterns, conventional development methods and there is no maximum synergy of stakeholders at the village level. Meanwhile, Islamic economics through the essence of sharia objectives (maqashid shari'ah) can be used as a foundation in the management and development of BUMDes. Keywords: Islamic Economics, BUMDes, Maqashid Shari’ah.
THE INFLUENCE OF ISLAMIC BANKS, ISSI AND SBSN FINANCING ON INDONESIA'S GROSS DOMESTIC PRODUCT
Abstract: The purpose of this study is to find out how financing, ISSI and SBSN affect gross domestic product. The results of this study are expected to be useful for the government and industry players in Indonesia in knowing the picture of the state of the financial sector and formulating policy strategies in the future so as to create high and stable real sector growth to be able to encourage economic growth in Indonesia. The results of the study show that: 1) The influence of Islamic Banking Financing has no effect on GDP. 2) ISSI has no influence on GDP. 3) SBSN has no significant influence on GDP. 4) Sharia, ISSI, and SBSN banking financing simultaneously have an influence on GDP. Keywords: Influence of Financing, ISSI, SBSN, PDB, Sharia Banking Abstrak: Tujuan penelitian ini adalah untuk mengetahui bagaimana pembiayaan ISSI dan SBSN terhadap produk domestik bruto. Hasil penelitian ini diharapkan dapat berguna bagi pemerintah dan pelaku industri di Indonesia dalam mengetahui gambaran keadaan sektor keuangan serta merumuskan strategi kebijakan pada masa yang akan datang sehingga menciptakan pertumbuhan sektor riil yang tinggi dan stabil untuk dapat mendorong pertumbuhan ekonomi di Indonesia. Hasil penelitian menunjukkan bahwa: 1) Pengaruh Pembiayaan Perbankan Syariah tidak memiliki pengaruh terhadap PDB. 2) ISSI tidak memiliki pengaruh terhadap PDB. 3) SBSN tidak memiliki pengaruh signifikan terhadap PDB. 4) Pembiayaan perbankan Syariah, ISSI, dan SBSN secara simultan memiliki pengaruh Terhadap PDB. Kata Kunci: Pengaruh Pembiayaan, ISSI, SBSN, PDB, Perbankan Syariah
THE IMPACT OF FOOD PRICES CONTROL POLICIES ON COMMUNITY PURCHASING POWER ISLAMIC ECONOMIC REVIEW
Abstrak: Harga merupakan faktor utama dalam proses tawar menawar antara pembeli dengan penjual. Oleh karena itu harga merupakan salah satu aspek yang harus diperhatikan oleh pemerintah supaya tidak terjadi kenaikan harga yang dapat menimbulkan gejala sosial di kalangan masyarakat. Islam sangat konsentrasi pada masalah keseimbangan harga, terutama peran negara dalam mewujudkan kestabilan harga dan bagaimana mengatasi masalah ketidakstabilan harga. Tujuan penelitian ini adalah untuk mengetahui kebijakan yang dilakukan pemerintah terhadap daya beli masyarakat. Jenis penelitian ini adalah desktriptif kualitatif. Sumber data berasal dari wawancara dengan dinas perdagangan, pedagang pasar, dan masyarakat. Hasil penelitian ini menunjukkan bahwa pengendalian harga bahan pangan agar tetap stabil dengan cara mengimpor dari luar, sehingga bahan pangan tetap tersedia dan pemerintah setempat sudah memberikan kebijakan untuk tetap mencukupi bahan pangan supaya harga tersebut tetap stabil. Untuk mengatasi kenaikan harga bahan pangan, ada beberapa tindakan yang dapat dilakukan pemerintah yaitu melalui upaya jangka pendek dan jangka panjang. Upaya Jangka pendek adalah melakukan impor dari luar daerah dan jangka panjang memanfaatkan potensi yang dimiliki oleh daerah Kabupaten Mandailing Natal. Kata kunci: Kebijakan, Pengendalian Harga, Daya Beli Masyarakat, Ekonomi Islam Abstract: Price is the main factor in the bargaining process between buyers and sellers. Therefore, price is one aspect that must be considered by the government so that there is no price increase that can cause social unrest among the community. The purpose of this study is to determine the policies implemented by the government on people's purchasing power. Islam is very focused on the problem of price balance, especially on the role of the state in realizing price stability and how to overcome the problem of price instability. The research conducted in this study is a type of descriptive research using a qualitative approach. Data sources come from interviews with the trade office, market traders, and the community. The results of this study indicate that controlling food prices to remain stable by importing from abroad, so that food remains available and the local government has provided policies to continue to provide sufficient food so that prices remain stable. To overcome the increase in the price of basic necessities, there are several actions that can be taken by the government, including through short-term and long-term efforts. The short term is by importing from outside the region, but the long term requires a systematic strategy that utilizes the great potential of the Mandailing Natal Regency area. Keywords: Policy, Price Control, Public Purchasing Power, Islamic Economics
ANALYSIS OF THE INFLUENCE OF SOVEREIGN SUKUK FINANCING ON ECONOMIC GROWTH IN INDONESIA
Abstrak: Pasar sukuk telah mengalami pertumbuhan yang pesat, terutama di sebagian besar negara dengan mayoritas penduduk Muslim. Oleh karena itu, Asia Tenggara menjadi pasar sukuk yang paling cepat berkembang di dunia, di mana industri keuangan syariah berkembang pesat di Malaysia, Indonesia, dan Brunei. Berbagai studi menunjukkan bahwa keuangan syariah merangsang pertumbuhan ekonomi. Namun, masih terbatas penelitian murni tentang hubungan antara sukuk dan pertumbuhan ekonomi. Untuk alasan ini, serta sebagai perluasan dari studi mengenai sukuk dan pertumbuhan ekonomi, penelitian ini menganalisis hubungan antara pembiayaan sukuk dan pertumbuhan ekonomi dalam kerangka model pertumbuhan endogen. Penelitian ini secara empiris meneliti dampak pembiayaan sukuk sebagai faktor eksogen terhadap pertumbuhan ekonomi dalam model pertumbuhan endogen. Oleh karena itu, makalah ini adalah yang pertama mengeksplorasi hubungan antara pembiayaan sukuk dan pertumbuhan ekonomi dalam kerangka model pertumbuhan endogen, dan diyakini bahwa penelitian ini akan memberikan kontribusi yang signifikan. Metode penelitian yang digunakan adalah analisis korelasi dan regresi linier sederhana. Dapat disimpulkan bahwa variabel Penerbitan Sukuk Nasional (X) memiliki pengaruh positif terhadap variabel Pertumbuhan Ekonomi (Y) di Indonesia (b = 0,68). Korelasi antara Penerbitan Sukuk Nasional dan Pertumbuhan Ekonomi adalah 0,942. Oleh karena itu, dapat disimpulkan bahwa terdapat korelasi positif dan kuat antara Penerbitan Sukuk Nasional dan Pertumbuhan Ekonomi di Indonesia. Kata kunci: Sukuk, Pertumbuhan Ekonomi, Pembiayaan, Pasar Modal Syariah Abstract: The Sukuk market has experienced massive growth, particularly in most countries with a majority Muslim population. Therefore, Southeast Asia is the world's most rapidly growing Sukuk market, where the Islamic finance industry has flourished across Malaysia, Indonesia, and Brunei. Numerous studies indicate that Islamic finance stimulates economic growth. However, there is limited pure research on the relationship between Sukuk and economic growth. For this reason, and as an extension of Sukuk and economic growth studies, this research analyzes the relationship between Sukuk financing and economic growth within the framework of an endogenous growth model. It empirically investigates the impact of Sukuk financing as an exogenous factor on economic growth in the endogenous growth model. Therefore, this paper is the first to explore the relationship between Sukuk financing and economic growth within the endogenous growth model framework, and it is believed that this research will make a significant contribution. The research method employed is the analysis of correlation and simple linear regression. It can be concluded that the variable of National Sukuk Issuance (X) has a positive influence on the variable of Economic Growth (Y) in Indonesia (b = 0.68). The correlation between National Sukuk Issuance and Economic Growth is 0.942. Therefore, it can be concluded that there is a positive and robust correlation between National Sukuk Issuance and Economic Growth in Indonesia. Kata kunci: Sukuk, Economic Growth, Financing, Islamic Capital Market
CREATING A CIRCULAR ECONOMY IN THE COAL MINING INDUSTRY THROUGH CSR INITIATIVES: A CASE STUDY
Abstrak: Penelitian ini bertujuan untuk menginvestigasi dampak dari Program Eco Agrotomation dalam menciptakan ekonomi sirkular pada PT Bukit Asam Tbk, sebuah Badan Usaha Milik Negara (BUMN) di sektor pertambangan batu bara. Metode penelitian ini melibatkan analisis kualitatif dan kuantitatif, dengan desain penelitian studi kasus pada program Eco Agrotomation yang dilaksanakan oleh PT Bukit Asam Tbk. Data tersebut mencakup evaluasi dampak ekonomi, sosial, dan lingkungan dari program tersebut, baik dari perspektif perusahaan maupun masyarakat lokal yang terlibat. Hasil penelitian menunjukkan bahwa Program Eco Agrotomation telah berhasil menciptakan ekonomi sirkular bagi PT Bukit Asam Tbk melalui empat cara: (1) manajemen limbah yang berkelanjutan, (2) penggunaan sumber daya yang efisien, (3) kolaborasi dan pengembangan sistem, dan (4) pemberdayaan masyarakat. Implementasi sistem otomasi berhasil meningkatkan efisiensi penggunaan air hingga 30%, dengan penggunaan air yang dapat diturunkan dari 238.680 liter per tahun menjadi 183.600 liter per tahun. Selain itu, pemanfaatan air asam tambang dan limbah belt conveyor mampu mengurangi water footprint dan limbah karet pertambangan masing-masing 90.000 liter dan 200 kg per tahun. Di sisi lain, penggunaan Pembangkit Listrik Tenaga Surya (PLTS) mampu menghasilkan listrik sebesar 10.08 kWh per hari, yang setara dengan penghematan biaya listrik sebesar Rp 5.080.320 per tahun. Berkat inisiatif ini, Anggota kelompok rentan mengalami peningkatan pendapatan hingga mencapai Rp 3.500.000 per bulan, setara dengan Upah Minimum Regional. Meskipun demikian, kurangnya integrasi daur ulang produk akhir batubara dalam program ini menjadi potensi yang dapat kembangkan untuk menciptakan lingkaran ekonomi yang lebih luas dan berkelanjutan. Kata kunci: eco agrotomation, keberlanjutan, sirkular ekonomi, tanggung jawab sosial perusahaan Abstract: This study aims to investigate the impacts of the Eco Agrotomation Program in creating a circular economy at PT Bukit Asam Tbk, a State-Owned Enterprise (SOE) in the coal mining sector. The research methodology involves qualitative and quantitative analysis obtained from a case study of the Eco Agrotomation program implemented by PT Bukit Asam Tbk. The data encompass evaluations of the economic, social, and environmental impacts of the program, from both the company's and the local community's perspectives. The findings indicate that the Eco Agrotomation Program has successfully created a circular economy for PT Bukit Asam Tbk through four means: (1) sustainable waste management, (2) efficient resource utilization, (3) collaboration and system development, and (4) community empowerment. The implementation of automation systems has increased water usage efficiency by 30%, reducing water consumption from 238,680 liters per year to 183,600 liters per year. Moreover, the utilization of mine acid water and conveyor belt waste has reduced water footprint and mining rubber waste by 90,000 liters and 200 kg per year, respectively. On the other hand, the use of Solar Power Plants (PLTS) has generated electricity of 10.08 kWh per day, equivalent to cost savings of Rp 5,080,320 per year. These initiatives have increased incomes of vulnerable community up to Rp 3,500,000 per month, equivalent to the Regional Minimum Wage. However, the lack of integration of coal end-product recycling in this program presents potential for further development to create a broader and more sustainable economic cycle. Keywords: circular economy, corporate social responsibility, eco agrotomation, sustainability
ANALYSIS OF THE GLOBAL MUSLIM TRAVEL INDEX (GMTI) APPROACH AS AN EFFORT TO DEVELOP HALAL TOURISM IN THE WILIS RING AREA OF TULUNGAGUNG REGENCY
Abstrak: Perkembangan di sektor pariwisata dari waktu ke waktu menunjukkan tren yang sangat positif terutama dalam upaya pemulihan ekonomi Indonesia pasca pandemi covid 19. Salah satu bukti nyata dengan disusunnya RIPPARDA Tulungagung sebagai acuan dalam pengembangan sektor wisata di selingkar wilis. Penelitian ini bertujuan untuk menganalisis potensi wisata halal pada objek wisata di kawasan selingkar wilis untuk dilakukan pengembangan wisata halal menurut GMTI dengan indikator akcesibilitas, communication, environment, dan services (ACES). Penelitian ini dilakukan dengan pendekatan kualitatif deskriptif dengan penelitian lapangan (field research). Hasil penelitian menunjukkan bahwa 1) kondisi objek wisata selingkar wilis menurut indikator ACES menunjukkan kondisi yang sangat baik. 2) Terdapat potensi yang besar untuk pengembangan objek wisata halal diobjek wisata selingkar wilis. Potensi ini muncul dari aspek kemudahan aksesibilitas berupa infrastruktur pendukung yang sudah sangat baik. Potensi lainnya ditunjukkan dengan hadirnya pengembangan informasi berbasis online melalui sosial media dan youtube. Pada indikator lingkungan menunjukkan dukungan lingkungan yang besar yang bersumber dari pemerintah, masyarakat, dan ekosistem budaya yang sudah mengakar di kehidupan masyarakat di sekitar objek wisata. 3) Upaya pengembangan objek wisata selingkar wilis menjadi objek wisata halal dilakukan dengan pengembangan wisata berbasis ecotourism dan smart halal tourism dengan menyusun roadmap pengembangan wisata halal dan menyiapkan sarana pendukung lainnya, termasuk inovasi kegiatan tahunan yang dikemas lebih komersial dengan berbasis smart halal tourism. Kata kunci: GMTI Indicators, The development of halal tourism. Abstract: The development in the tourism sector over time shows a very positive trend, especially in the efforts to recover Indonesia's economy post the COVID-19 pandemic. One concrete evidence is the formulation of RIPPARDA Tulungagung as a reference in the development of the tourism sector around the Wilis mountain range. This research aims to analyze the potential of halal tourism at tourist attractions in the Wilis mountain range area for the development of halal tourism according to GMTI with indicators of accessibility, communication, environment, and services (ACES). The research uses a qualitative descriptive approach with field research. The results of the research show that 1) the condition of tourist attractions around the Wilis mountain range according to the ACES indicators indicates a very good condition. 2) There is great potential for the development of halal tourist attractions in the Wilis mountain range. This potential arises from the aspect of accessibility, such as well-established supporting infrastructure. Another potential is indicated by the presence of online information development through social media and YouTube. On environmental indicators, there is strong environmental support from the government, society, and cultural ecosystems that are deeply rooted in the lives of the community around the tourist attractions. 3) Efforts to develop tourist attractions around the Wilis mountain range into halal tourist attractions are carried out by developing ecotourism-based tourism and smart halal tourism by formulating a roadmap for the development of halal tourism and preparing other supporting facilities, including annual activities that are commercially packaged based on smart halal tourism. Keywords: GMTI Indicators, The development of halal tourism.
THE INFLUENCE OF LITERACY MODERATION VARIABLES ON SAVING PREFERENCES IN ISLAMIC BANK (Case Study of Yogyakarta Islamic Bank Customers)
Abstrak: Tujuan penelitian ini adalah untuk menganalisis pengaruh variabel moderasi literasi terhadap preferensi menabung di bank syariah dengan mengembangkan theory of planned behavior. Penelitian ini menggunakan sampel 250 responden masyarakat Yogyakarta. Metodologi menggunakan metode kuantitatif berlandaskan pada filsafat positivism, digunakan untuk membuat generalisasi sampel dari populasi tertentu, pengumpulan data menggunakan instrumen penelitian kuesioner dengan alat ukur skala likert, analisis bersifat kuantitatif untuk menguji hipotesis yang telah ditetapkan. Metode analisis dalam penelitian ini menggunakan Structural Equation Modeling (SEM) yaitu analisa data yang menggambarkan hubungan struktural yang diekspresikan oleh seperangkat persamaan dengan menggunakan software SmartPLS 3.0. Hasil analisis menyatakan bahwa variabel sikap tidak berpengaruh terhadap niat perilaku preferensi menabung di bank syariah. Sedangkan variabel norma subjektif dan kontrol perilaku persepsian berpengaruh positif signifikan terhadap variabel niat perilaku preferensi menabung di bank syariah. Berdasarkan hasil penelitian ini juga menyatakan bahwa variabel literasi mampu memoderasi niat terhadap perilaku preferensi menabung di bank syariah. Kata kunci: TPB, Preferensi, Perilaku, Menabung, Bank Syariah Abstract: The aim of this research is to analyze the influence of the literacy moderating variable on savings preferences in Islamic banks by developing a theory of planned behavior. This research used a sample of 250 respondents from the people of Yogyakarta. The methodology uses quantitative methods based on the philosophy of positivism, used to generalize samples from certain populations, data collection uses questionnaire research instruments with Likert scale measuring instruments, quantitative analysis to test predetermined hypotheses. The analysis method in this research uses Structural Equation Modeling (SEM), namely data analysis that describes structural relationships expressed by a set of equations using SmartPLS 3.0 software. The results of the analysis state that the attitude variable has no effect on the behavioral intention of saving preferences in Islamic banks. Meanwhile, subjective norm variables and perceived behavioral control have a significant positive effect on the behavioral intention variable of saving preferences in Islamic banks. Based on the results of this research, it is also stated that the literacy variable is able to moderate intentions towards saving preference behavior in Islamic banks. Keywords: TPB, Preferences, Behavior, Savings, Islamic Banking
ANALYSIS OF DEVELOPMENT OF ADDED VALUE OF COOPERATIVE BUSINESS ECOSYSTEMS AL-ITTIFAQ ISLAMIC BOARDING SCHOOL, CIWIDEY, BANDUNG DISTRICT
Abstrak: Tema penelitian adalah pengembangan usaha berbasis inovasi agribisnis pada Pesantren Al-Ittifaq di Bandung. Permasalahan terkait keterbatasan lahan, hilirisasi produksi hortikultura dan agrowisata, pengembangan ide bisnis melalui pemanfaatan sumberdaya termasuk teknologi dan inovasi. Tujuan penelitian: pengembangan ide bisnis yang bernilai tambah berdasarkan potensi sumberdaya yang ada dapat dilakukan oleh koperasi usaha Pesantren Al-Ittifaq, Ciwidey, Kabupaten Bandung. Grand theory sistem inovasi digunakan untuk menganalisis ekosistem agribisnis ini. Metode penelitian yang digunakan dengan pendekatan kualitatif melalui wawancara informan kunci dan pendukung, survei lapangan, diskusi dengan pihak terkait. Analisis SWOT dilakukan untuk mengidentifikasi kekuatan, kelemahan, peluang, dan ancaman; diskusi kelompok dan brainstorming untuk menghasilkan ide-ide kreatif dengan nilai-nilai ekonomi syariah; Analisis model bisnis canvas untuk memvalidasi konsep dan memperbaiki rencana inovasi berdasarkan umpan balik; usulan rekomendasi kepada pengelola Koperasi Pondok Pesantren. Dua rekomendasi strategi pengembangan yang diimplementasikan di pesantren tersebut berupa (1) strategi inovasi dalam diversifikasi produk kudapan sehat (Healthy Snack) berupa desain produk camilan yang tidak hanya mengutamakan rasa yang lezat, tetapi juga memberikan manfaat kesehatan. (2) Alif Village (Agrowisata) yang lahir sebagai langkah untuk menghadirkan konsep penginapan tradisional dengan pemandangan desa yang indah, menggabungkan konsep modern dengan kehidupan desa tradisional. Kata kunci: inovasi, bisnis, rekomendasi, strategi Abstract: The research theme is the development of an enterprise based on agribusiness innovation at the Al- Ittifaq Conference in Bandung. Problems related to land constraints, horticultural and agro -economic production, development of business ideas through the exploitation of natural resources including technology and innovation. Objective of research: development of value-added business ideas based on the potential of existing resources that can be done by the business cooperation Pesantren Al- Ittifaq, Ciwidey, Bandung district. The grand theory of innovation systems is used to analyze this agro -business ecosystem. Research methods used with a qualitative approach through interviews with key informants and supporters, field surveys, discussions with stakeholders. SWOT analysis is carried out to identify strengths, weaknesses, opportunities, and threats; group discussions and brainstorming to generate creative ideas with sharia economic values; business model analysis of canvas to validate concepts and improve innovation plans based on feedback; recommendation proposals to the management of the Hostel Cooperative. The two development strategy recommendations implemented at the workshop are: (1) a strategy of innovation in the diversification of healthy snacks, a design of snacks that not only prioritizes tasty tastes, but also provides health benefits. (2) Alif Village (Agrotourism) was born as a step to present the concept of traditional accommodation with a beautiful village view, combining the modern concept with the traditional village life. Keywords: innovation, business, recommendation, strategy.
Comparison Of The Health Level Of Sharia Banking With Conventional Banking Before And During The Covid-19 Pandemic In Indonesia With The Risk Based Bank Rating Method Approach
This study examines and presents a comparison model of the health level of Islamic banking with conventional banking before and during the Covid-19 pandemic in Indonesia with a risk-based bank rating method approach (Empirical Study on Commercial Banks Registered with OJK. This study used paired sample t-test analysis using time series data. The data obtained are 10 Islamic banking companies and 10 conventional banking companies registered at OJK in 2018 - 2021 using the purposive sampling method. The results of this study show that there is no significant difference in the value of NPF/NPL, ROA, CAR, GCG in 2018 and 2019, ROA, CAR in 2020, NPF/NPL, ROA, and CAR in 2021 between Sharia Commercial Banks and NPLs of Conventional Commercial Banks. Meanwhile, NPF/NPL, GCG in 2020 and GCG in 2021 there are significant differences between Sharia Commercial Banks and Conventional Commercial Banks. The implications of this research suggest that while both sectors maintain comparable capital resilience, conventional banks exhibit superior consistency in corporate governance and asset risk management during crises. These findings emphasize the importance of accelerating digitalization and strengthening operational efficiency for sharia banking to enhance future competitiveness and market reach.
Copyright (c) 2025 Safrina, Deny Prayitno https://creativecommons.org/licenses/by-sa/4.0
CRIMINAL SANCTIONS FOR BETTERING CUSTOMER FUNDS THROUGH AUTOMATED CASH TELLERS FROM AN ISLAMIC LEGAL PERSPECTIVE
Abstrak: Teknologi informasi kini telah berkembang dengan pesat, termasuk pada akses Internet. Penggunaan teknologi berbasis Internet juga telah berkembang dengan baik sebagai kebutuhan dasar manusia. Perkembangan teknologi informasi tentu juga memunculkan berbagai problematika sebagai dampak teknologi modern. Salah atau permasalahan yang marak terjadi di Indonesia yaitu pembobolan Anjungan Tunai Mandiri (ATM). Penulis ingin menggali lebih dalam pandangan Islam tentang pembobolan Anjungan Tunai Mandiri (ATM). yang telah dilindungi oleh peraturan perundangan-undangan bagi pelaku. Penelitian ini termasuk dalam jenis studi pustaka (library research) metode penelitian ini berupa metode induktif dengan dilengkapi data yang bersifat empiris dan dilengkapi data sesuai dengan pembahasan tindakan kejahatan perbankan (cyber crime). Penelitian ini juga menggunakan pendekatan normatif yuridis. Teknik pengelolaan data menggunakan studi pustaka, serta analisis menggunakan tinjauan hukum lslam sesuai al-Quran dan hadis disertai dengan model verifikatif sesuai dengan ketentuan yang berlaku. Hasil penelitian ini menjelaskan bahwa permasalahan pembobolan Anjungan Tunai Mandiri (ATM). merupakan kejahatan yang terjadi atas perkembangan teknologi informasi. Penyalahgunaan teknologi informasi untuk kejahatan tentu harusnya perlu dilakukan antisipasi. Islam telah mengunjungi tinggi ilmu pengetahuan, termasuk teknologi yang ada saat ini. Namun disisi lain, Islam juga mengutamakan kemaslahatan umat. Mengatasi kasus tersebut maka dapat dilakukan beberapa dua cara yaitu proteksi untuk menciptakan keamanan, dan pemberian tanggung jawab bagi perbankan dan pemerintah dalam mengatur sistem keamanan. Kata kunci: Tindak Pidana Perbankan, Pembobolan Dana Nasabah, Anjungan Tunai Mandiri, Hukum Islam Abstract: Information technology has developed rapidly, including Internet access. Internet-based technology has also developed well as a basic human need. The development of information technology certainly also raises various problems as a result of modern technology. One of the problems in Indonesia is Anjungan Tunai Mandiri (ATM) burglaries. The author wants to know of the Islamic view of Anjungan Tunai Mandiri (ATM) burglary which has been protected by laws and regulations for perpetrators. This research is included in the type of library research (library research). This research method is in the form of an inductive method equipped with empirical data and equipped with data in accordance with the discussion of banking crimes (cyber crime). This study also uses a juridical normative approach. Data management techniques use literature study, and analysis uses a review of Islamic law in accordance with the Koran and hadith accompanied by a verification model in accordance with applicable regulations. The result this research explained that the problem of Anjungan Tunai Mandiri (ATM) burglary is a crime that occurs due to the development of information technology. Misuse of information technology for crime certainly needs to be anticipated. Islam has visited a high level of science, including the technology that exists today. But on the other hand, Islam also prioritizes the benefit of the people. Overcoming this case can be done in two ways, namely protection to create security, and giving responsibility to banks and the government in managing security systems. Keywords: Banking Crime, Theft of Customer Funds, Automatic Teller Machines, Islamic Law
THIRD PARTY FUNDS AND WORKING CAPITAL FINANCING AT ISLAMIC BANKS IN INDONESIA: ARDL-ECM APPROACH
Abstrak: Penelitian ini bertujuan untuk menganalisis pengaruh dana pihak ketiga dan tingkat margin pembiayaan terhadap realisasi pembiayaan modal kerja yang disalurkan bank syariah pada sektor UMKM di Indonesia. Menggunakan data time series selama periode 2014.6-2018.9, model analisis yang digunakan adalah autoregressive distributed lag (ARDL). Penelitian mengungkapkan adanya hubungan kointegrasi jangka panjang antara realisasi pembiayaan dengan dana pihak ketiga dan tingkat margin pembiayaan. Dalam jangka panjang dan jangka pendek, dana pihak ketiga berpengaruh positif dan signifikan terhadap pembiayaan modal kerja. Selanjutnya, tingkat margin berpengaruh negatif dan signifikan dalam jangka pendek, tetapi tidak berpengaruh dalam jangka panjang. Kata kunci: Pembiayaan Modal Kerja, Dana Pihak Ketiga, tingkat Margin Pembiayaan, ARDL-ECM. Abstract: This research aims to analyze the influence of third-party funds and the yield rate of financing on the realization of working capital financing distributed by Islamic banks to the MSMEs sector in Indonesia. Using time series data for the period 2014M6-2018M9, the analysis model used is autoregressive distributed lag (ARDL). The research pointed out that there is a long-term cointegration relationship between the realization of Islamic financing with third-party funds and the yield rate. In the long term and short term, third-party funds have a positive and significant effect on working capital financing. Furthermore, the yield rate has a negative and significant effect in the short term but has no effect in the long term. Keywords: Working capital financing, Third-party funds, Yield rate of financing, ARDL-ECM.
HALAL TOURISM AS AN ALTERNATIVE TO IMPROVE THE ECONOMY OF LOCAL COMMUNITIES IN PAMEKASAN DISTRICT
Abstrak: Pariwisata halal bukanlah hal baru bagi masyarakat. Potensi kekayaan alam, budaya, tradisi, adat istiadat, serta agama dapat menjadi potensi besar bagi Kabupaten Pamekasan. Jumlah Pariwisata yang sudah banyak dikelola di setiap daerah yang ada di Kabupaten Pamekasan menjadi bukti bahwa Pamekasan memiliki SDA dan SDM yang sangat kolaboratif, terlebih lagi letak wilayah Pamekasan berada di lintas jalan Kabupaten Sampang dan Sumenep, bahkan Pamekasan memiliki pesantren-pesantren besar, sehingga potensi pariwisata halal dapat dikomunikasikan dengan tokoh-tokoh agama setempat. Namun demikian, persentase kemiskinan di Kabupaten Pamekasan masi atas 13% selama lima tahun terakhir. Potensi Pariwisata halal ini dapat menopang perekonomian masyarakat lokal dengan mengurangi tingkat pengangguran, meningkatkan pendapatan masyarakat, pemberdayaan masyarakat, serta menjaga kelestarian lingkungan. Penelitian ini menggunakan metode kualitatif dengan mengeksplorasi pengembangan pariwisata halal sebagai upaya peningkatan ekonomi masyarakat lokal di Kabupaten Pamekasan. Data Primer diperoleh melalui observasi secara personal pada beberapa kecamatan di Kabupaten Pamekasan dan data sekunder diperoleh dari berbagai literatur tentang pariwisata halal dan ekonomi lokal. Hasil dari penelitian ini menyatakan bahwa sektor pariwisata syariah diyakini mampu meningkatkan perekonomian lokal masyarakat; pemerintah dan masyarakat diharapkan dapat berkolaborasi sebagai pemangku kebijakan dan pengelola pariwisata halal; optimalisasi SDA dan SDM diperlukan untuk meningkatkan kompetensi dan kualitasnya; serta optimalisasi pariwisata halal dapat dikembangkan mengikuti perkembangan teknologi seperti promosi yang ada di media sosial. Kata kunci: pariwisata halal; ekonomi lokal, manajemen SDA, manajemen SDI Abstract: Halal tourism is not a new term for the society. The potential for natural wealth, culture, traditions, customs, and religion can be a great potential for Pamekasan Regency. The number of tourism destinations that has been managed in many areas in Pamekasan Regency is proved that Pamekasan has very collaborative natural resources and human resources, moreover Pamekasan area is on the crossroads of Sampang and Sumenep Regencies. Eventhough, Pamekasan has large Islamic boarding schools, so the potential Halal tourism can be communicated with local religious leaders. This potential of halal tourism can support the economy of local communities by reducing unemployment rates, increasing people's income, empowering society, and preserving the environment. This research uses a qualitative method by exploring the development of halal tourism as an effort to improve the economy of local society in Pamekasan. Primary data was obtained through personal observation in several sub-districts in Pamekasan Regency and secondary data was obtained from various literature on halal tourism and the local economy. The results of this study state that the sharia tourism sector is believed to be able to improve the local society’s economy; the government and the community are expected to be able to collaborate as policy makers and managers of halal tourism; optimization of natural resources and human resources is needed to improve competence and quality; and optimization of halal tourism can be developed following technological developments such as promotions on social media. Keywords: halal tourism, economy of local society, SDA management, SDI management.
Copyright (c) 2023 An-Nisbah: Jurnal Ekonomi Syariah
DEVELOPMENT OF ZISWAF LABORATORY MODEL INTEGRATED MB-KM CURRICULUM USING ROWNTREE MODEL
Abstrak: Penelitian ini bertujuan untuk melakukan pengembangan model laboratorium yang teirntegrasi dengan kurikulum MB-KM dengan menggunakan pendekatan Model Rowntree. Hasil penelitian ini menunjukkan bahwa pedoman yang dikembangkan sebagai petunjuk pelaksanaan PPL dan KKN MB-KM dikategorikan baik, sehingga dapat digunakan dalam pengembangan model laboratorium ZISWAF Fakultas EKonomi dan Bisnis Islam UIN Fatmawati Sukarno Bengkulu Kata kunci: Model Laboratorium, Kurikulum MB-KM, Model Rowntree Abstract: This study aims to develop a laboratory model that integrates with the MB-KM curriculum using the Rowntree Model approach. The results of this study show that the guidelines developed as guidelines for the implementation of PPL and KKN MB-KM are categorized as good, so that they can be used in the development of the ZISWAF laboratory model of the Faculty of Islamic Economy and Business UIN Fatmawati Sukarno Bengkulu Keywords: Laboratory Model, MB-KM Curriculum, Rowntree Model
UNCOVERING THE RESEARCH LANDSCAPE OF ISLAMIC FINTECH: A BIBLIOMETRIC ANALYSIS
Abstrak: Kajian mengenai Islamic fintech semakin berkembang seiring dengan kemajuan teknologi dan fintech. Tujuan dari kajian ini adalah untuk mengkaji tren perkembangan kajian Islamic fintech yang telah diterbitkan dalam jurnal yang terindeks Scopus dengan menggunakan kata kunci yaitu islamic fintech, islamic financial technology, sharia fintech, dan sharia financial technology. Analisis dilakukan terhadap karakteristik dan tren kata, serta abstrak, penulis, dan jurnal. Data yang dianalisis meliputi 95 artikel yang ditulis oleh 251 penulis dan terpublikasi dalam 56 jurnal. Metode analisis bibliometrik digunakan dengan menggunakan R Biblioshiny untuk menghasilkan peta bibliometrik. Hasil penelitian menunjukkan peningkatan signifikan dalam jumlah publikasi tentang Islamic fintech. Dalam analisis bibliometrik, ditemukan bahwa para penulis cenderung mengkaji isu-isu terkait pengguna Islamic fintech dengan menggunakan beberapa teori penerimaan aplikasi, sehingga pendekatan kuantitatif lebih dominan. Beberapa tema penelitian yang memiliki potensi untuk berkembang di masa depan meliputi isu pengguna, layanan keuangan sosial Islam, dan dampak terhadap performa dan pertumbuhan ekonomi. Penelitian ini memberikan kontribusi bagi penelitian masa depan serta memberikan pembaruan ilmiah dalam penilaian publikasi Islamic fintech yang memiliki pentingnya baik dari segi praktis maupun teoritis bagi kalangan akademisi. Kata kunci: Bibliometrik, Tren penelitian, Teknologi keuangan Islam Abstract: Studies on Islamic fintech are growing with advances in technology and fintech The purpose of this study is to examine the development trend of Islamic fintech studies that have been published in Scopus indexed journals using the keywords islamic fintech, islamic financial technology, sharia fintech, and sharia financial technology. The characteristics and trends of words, abstracts, authors, and journals were analyzed. The data analyzed included 95 articles written by 251 authors and published in 56 journals. The bibliometric analysis method was used in R Biblioshiny to produce bibliometric maps. The results indicate a significant increase in the number of publications on Islamic fintech. The results of the bibliometric analysis found that the authors tend to examine issues related to Islamic fintech users using several theories of application acceptance, so that the quantitative approach is more dominant. Several research themes that have the potential to develop in the future include user issues, Islamic social financial services, and their impact on economic performance and growth. This study contributes to future research and provides scientific updates in the assessment of Islamic fintech publications, which have both practical and theoretical importance for academics. Keywords: Bibliometric, Research trend; Islamic fintech
IMPROVING FINANCIAL PERFORMANCE OF ISLAMIC BANK IN INDONESIA THROUGH ISLAMIC CORPORATE GOVERNANCE AND EARNING MANAGEMENT
Abstrak: Penelitian ini bertujuan menganalisis pengaruh Islamic Corporate Governance dan Manajemen Laba terhadap Kinerja Keuangan Bank Syariah. Metode penelitian menggunakan pendekatan kuantitatif dengan data sekunder. Data penelitian diperoleh dari dua belas Bank Umum Syariah di Indonesia tahun 2018-2022, yang dipilih menggunakan teknik purposive sampling. Kemudian, teknik analisis yang digunakan adalah regresi data panel. Hasil penelitian ini menunjukkan bahwa Islamic corporate governance dan manajemen laba berpengaruh signifikan terhadap Kinerja keuangan bank syariah. Temuan penelitian ini memberikan bukti bahwa variabel Islamic corporate governance dapat membantu bank syariah di Indonesia dalam meningkatkan kinerja keuangan dengan adanya manajemen laba yang terkendali dari pihak bank syariah. Selain itu, temuan ini akan berkontribusi terhadap literatur mengenai variabel penentu kinerja keuangan bank syariah. Kata Kunci: Kinerja Keuangan, Islamic Corporate Governance, Manajemen Laba, Bank Syariah Abstract: This study aims to analyze the effect of Islamic Corporate Governance and Earning Management variable toward the Financial Performance of Islamic Banks. The examination technique utilizes a quantitative methodology with optional information. The exploration information were acquired from 12 (twelve) Islamic Business Banks in Indonesia in 2018-2022 period, which were selected using a purposive sampling technique. Then, the analysis technique uses Pooled Least Square of regression analysis technique. The results of this study indicate that Islamic corporate governance and earnings management have a significant effect on the financial performance of Islamic banks. The findings of this study provide evidence that Islamic corporate governance variables can assist Islamic banks in Indonesia, improving financial performance with controlled earnings management on the part of Islamic banks. Furthermore, these discoveries will add to the writing with respect to the determinants of Islamic bank monetary execution. Keywords: Financial Performance, Islamic Coporate Governance, Earning Management, Islamc bank.
THE USE OF MEDIA TECHNOLOGY IN FORMING ONLINE TRANSACTION DECISIONS IN LANGSA CITY COMMUNITIES
Abstrak: Penelitian ini bertujuan untuk mengetahui pengaruh persepsi kemudahan penggunaan, kemanfaatan, sikap, minat dan risiko terhadap keputusan bertransaksi dalam berbelanja online pada masyarakat di Kota Langsa. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif dengan menggunakan analisis regresi berganda. Populasi dalam penelitian ini jumlahnya tidak diketahui sedangkan sampel dalam penelitian ini berjumlah 100 sampel diambil menggunakan rumus lemeshow. Hasil penelitian menunjukkan bahwa secara simultan simultan (keseluruhan) variabel kemudahan, kemanfaatan, sikap, minat dan risiko dapat dilihat dari hasil uji F, dengan nilai Fhitung= 31,798 > dari Ftabel 2,19 dengan nilai signifikansi = 0.000. Adapun secara parsial ditemukan bahwa nilai thitung dari persepsi kemudahan sebesar 2,811 > dari ttabel sebesar 1,660, dengan nilai signifikansi sebesar 0,006 < alpha 0,05. Kedua, hasil penelitian menunjukkan kemanfaatan memiliki nilai thitung sebesar 6,234 > dari ttabel sebesar 1,660, dengan nilai signifikansi sebesar 0,000 < alpha 0,05. Ketiga, hasil penelitian menunjukkan nilai thitung dari persepsi sikap sebesar 2,259 > dari ttabel sebesar 1,660, dengan nilai signifikansi sebesar 0,026 < alpha 0,05. Keempat, hasil penelitian menunjukkan nilai thitung dari minat sebesar 5,025 > dari ttabel sebesar 1,660, dengan nilai signifikansi sebesar 0,006 < alpha 0,000. Kelima, hasil penelitian menunjukkan nilai thitung dari risiko sebesar 3,093 > dari ttabel sebesar 1,660, dengan nilai signifikansi sebesar 0,003 < alpha 0,05. Kata kunci: Technology Acceptance Model (TAM), Keputusan, Kota Langsa. Abstract: This research aims to determine the influence of perceived ease of use, usefulness, attitudes, interests, and risks on transaction decisions in online shopping among people in Langsa City. The method used in this research is a quantitative method using multiple regression analysis. The population in this study is unknown, while the sample in this study was 100 samples taken using the Lemeshow formula. The results of the research show that simultaneously (overall), the variables of convenience, usefulness, attitude, interest, and risk can be seen from the results of the F-test, with a value of F-count = 31.798 > from F-table 2.19 with a significance value = 0.000. Partially, it was found that the t-count value of perceived ease was 2.811 > t-table of 1.660, with a significance value of 0.006 < alpha 0.05. Second, the research results show the usefulness of having a t-count value of 6.234 > from a t-table of 1.660, with a significance value of 0.000 < alpha 0.05. Third, the research results show that the t-count value for perceived attitudes is 2.259 > t-table of 1.660, with a significance value of 0.026 < alpha 0.05. Fourth, the research results show that the t-count value of interest is 5.025 > t-table of 1.660, with a significance value of 0.006 < alpha 0.000. Fifth, the research results show that the t-count value of risk is 3.093 > t-table of 1.660, with a significance value of 0.003 < alpha 0.05. Keywords: Technology Acceptance Model (TAM), Decision, Kota Langsa
FACTORS INFLUENCING BANK RAKYAT INDONESIA SYARIAH'S PROFITABILITY FOR THE PERIOD 2012-2019
Abstract: This research is motivated by internal and external factors of PT. Bank Rakyat Indonesia (BRI) Syariah, where bank management must be able to obtain capital and business resources from operating costs that have been properly incurred, but there are still mismatches in analyzing the financing to be provided to customers, so it is likely to affect Return on Assets. from the bank itself. If the Return on Assets is greater, the higher the profit a bank will get, so that financial performance will run well. If the financial performance is carried out well, then the bank can also be said to be healthy. The indicators used in this study are CAR, NPF, BOPO, FDR, NIM, DPK and financial performance as measured by ROA. This research uses a quantitative approach, the type of research used is associative. The data used in this research is secondary with a total sample size of 32 data. The method of analysis used in this research is data normality test, classic assumption test, multiple linear regression test, test of determination and hypothesis testing (t test and f test) with SPSS version 22. The results showed that (1) CAR has a partially positive and significant effect on ROA. (2) NPF has a partially significant positive effect on ROA. (3) OEOI has no partial effect on ROA. (4) FDR has a partially significant positive effect on ROA. (5) NIM does not have a partial effect on ROA (6) DPK has no partial effect on ROA (7) Together, CAR, NPF, BOPO, FDR, NIM, and DPK have a significant positive effect simultaneously on ROA. Keywords: CAR, NPF, BOPO, FDR, NIM, DPK and Profitability (ROA) Abstrak: Penelitian ini dilatarbelakangi oleh faktor internal dan eksternl PT. Bank Rakyat Indonesia (BRI) Syariah, dimana manajemen bank harus dapat memperoleh modal dan sumber daya usaha dari biaya operasional yang telah dikeluarkan dengan baik, namun masih terdapat ketidaksesuaian dalam menganalisa pembiayaan yang akan diberikan kepada nasabah, sehingga kemungkinan besar akan berdampak. Pengembalian Aset. dari bank itu sendiri. Semakin besar Return on Assets maka semakin tinggi pula keuntungan yang diperoleh suatu bank, sehingga kinerja keuangan akan berjalan dengan baik. Jika kinerja keuangan dijalankan dengan baik, maka bank tersebut juga dapat dikatakan sehat. Indikator yang digunakan dalam penelitian ini adalah CAR, NPF, BOPO, FDR, NIM, DPK dan kinerja keuangan yang diukur dengan ROA. Penelitian ini menggunakan pendekatan kuantitatif, jenis penelitian yang digunakan adalah asosiatif. Data yang digunakan dalam penelitian ini adalah data sekunder dengan jumlah sampel sebanyak 32 data. Metode analisis yang digunakan dalam penelitian ini adalah uji normalitas data, uji asumsi klasik, uji regresi linier berganda, uji determinasi dan uji hipotesis (uji t dan uji f) dengan SPSS versi 22. Hasil penelitian menunjukkan bahwa (1) CAR mempunyai pengaruh secara parsial berpengaruh positif dan signifikan terhadap ROA. (2) NPF berpengaruh positif signifikan secara parsial terhadap ROA. (3) BOPO tidak berpengaruh secara parsial terhadap ROA. (4) FDR berpengaruh positif signifikan secara parsial terhadap ROA. (5) NIM tidak berpengaruh secara parsial terhadap ROA (6) DPK tidak berpengaruh secara parsial terhadap ROA (7) Secara bersama-sama CAR, NPF, BOPO, FDR, NIM, dan DPK berpengaruh positif signifikan secara simultan terhadap ROA. Kata Kunci: BOPO, CAR, FDR, DPK, NIM, ROA
THE THE INFLUENCE OF THEORY OF PLANNED BEHAVIOR ADOPTION ON FARMERS’ INTENTION TO USE MUDHARABAH CONTRACT AS AN ISLAMIC BANKING PRODUCT
Abstrak: Akad yang digunakan dalam produk perbankan syariah disebut dengan akad mudharabah. Konsumen berperan sebagai pemilik modal (shaibul maal) dalam Akad Mudharabah dan bank berperan sebagai mudharib (pengelola). Risiko ditanggung bersama oleh kedua belah pihak dan keuntungan dibagi sesuai dengan kesepakatan awal. Penelitian ini menguji empat variabel sikap, norma subjektif, kendali perilaku, dan niat untuk mengetahui niat dan perilaku petani dalam memanfaatkan akad mudharabah sebagai produk perbankan syariah. Penelitian ini menggunakan data primer dan populasi penelitian ini adalah petani yang ingin menggunakan akad mudharabah sebagai produk perbankan syariah. Sampel penelitian berjumlah 233 orang yang menjawab kuesioner. Software SmartPLS digunakan untuk menganalisis model pengukuran TPB menggunakan Struktural Equation Modeling (SEM). Berdasarkan penelitian ini ditemukan bahwa variabel sikap, norma subjektif, dan kendali perilaku mempunyai pengaruh yang cukup besar terhadap niat petani namun variabel norma subjektif tidak berpengaruh. Dikarenakan kurangnya pengetahuan petani terhadap perbankan syariah dan kurangnya penyebarluasan pemahaman tentang perbankan syariah terhadap masyarakat. Kesimpulan ini dapat dicapai karena fakta bahwa hal ini disebabkan pendapat orang lain belum terlalu efektif dalam mengubah sentimen petani terhadap akad mudharabah, suka atau tidak suka. Petani yang menggunakan akad mudharabah sebagai salah satu bentuk perbankan shariah harus mempertimbangkan keinginan dan sudut pandangnya sendiri ketika mengembangkan standar subjektif dari jenis produk perbankan ini. Kata kunci: theory of planned behavior, niat petani, akad mudharabah, perbankan syariah Abstract: The contract used in Islamic banking products is called Mudharabah contract. Consumers act as capital owners (shaibul maal) in the Mudharabah contract,while the bank acts as the mudharib (manager). Risks are shared by both parties, and profits are distributed according to the initial agreement. This research examines four variables: attitude, subjective norm, perceived behavioral control, and intention to understand the intention and behavior of farmers in utilizing Mudharabah contract as an Islamic banking product. This study uses primary data, and the population of this research is farmers who want to use Mudharabah contract as an Islamic banking product. The research sample consists of 233 people who answered the questionnaire. SmartPLS software is used to analyze the TPB measurement model using Structural Equation Modeling (SEM). Based on this research, it was found that attitude, subjective norm, and perceived behavioral control have a significant influence on farmers' intention, but the subjective norm variable does not affect it. This is due to farmers' lack of knowledge about Islamic banking and the insufficient dissemination of understanding about Islamic banking to the public. This conclusion can be reached because the opinions of others have not been very effective in changing farmers' sentiments toward Mudharabah contracts, whether they like it or not. Farmers using Mudharabah contracts as a form of Islamic banking should consider their own desires and perspectives when developing subjective standards for this type of banking product. Keywords: theory of planned behavior, farmer”s intention, mudharabah contract, islamic banking
TRUST IN GOVERNMENT: MEASURING INDONESIAN ECONOMIC RESILIENCE FACING RECESSION ISSUE USING GROUNDED THEORY
Abstrak: Beberapa negara pernah mengalami resesi, dan terdapat prediksi bahwa Indonesia akan terkena dampak perekonomian global pada tahun 2023. Penelitian ini mengukur kesiapan masyarakat Indonesia dalam menghadapi isu resesi dengan melihat kepercayaan terhadap pemerintah dalam menanganinya. Penelitian ini merupakan penelitian grounded theory yang menyusun variabel dan indikator dengan menggunakan metode kualitatif. Variabel dan indikator tersebut kemudian diuji dengan metode kuantitatif. Data kualitatif diekstraksi dengan software NAWALA dengan pendekatan netnografi yang menganalisis 4409 sampel. Data kualitatif diolah menggunakan software NVIVO. Sedangkan data kuantitatif digali dengan kuesioner dari 146 responden dan diolah menggunakan software SPSS. Hasil pengujian menunjukkan bahwa personaliti pemerintah, framing media, dan kondisi negara saat ini berpengaruh positif dan signifikan terhadap kepercayaan terhadap pemerintah. Keterbaharuan yang ditawarkan dalam penelitian ini adalah isu baru dengan data baru yang dianalisis dengan grounded theory yang belum pernah diteliti oleh penulis lain di Indonesia. Kata kunci: kepercayaan, pemerintah, resesi, grounded theory Abstract: Several countries have experienced recessions, and there are predictions that Indonesia will be affected by the global economy in 2023. This study measures the readiness of Indonesians to face the issue of recession by looking at trust in the government in handling it. This research is a grounded theory that compiles variables and indicators using the qualitative method. These variables and indicators are then tested with quantitative methods. Qualitative data were extracted with NAWALA software with a netnography approach that analyzed 4409 samples. Qualitative data is processed using NVIVO software. Meanwhile, quantitative data were unearthed with questionnaires from 146 respondents and processed using SPSS software. The test results show that government personality, media framing, and present country condition positively and significantly affect trust in government. The novelty offered in this study is a new issue with new data analyzed with the grounded theory that other authors in Indonesia have never studied Keywords: Trust, government, recession, grounded theory
DIGITAL ISLAMIC NETWORK: BUILDING EXCELLENT SERVICE FOR CUSTOMERS AT BANK MUAMALAT TULUNGAGUNG IN THE DIGITAL ERA
Abstrak: Perkembangan teknologi pada era ini menunjukkan perkembangan yang begitu pesat. Dunia mengalami kemajuan luar biasa dalam teknologi dan inovasi. Kehadiran aplikasi Digital Islamic Network (DIN) sebagai platform digital yang bermanfaat disambut antusias masyarakat. Untuk itu penelitian ini bertujuan untuk mengetahui peranan aplikasi Digital Islamic Network (DIN) dalam meningkatkan pelayanan nasabah di Bank Muamalat KCP Tulungagung. Artikel ini menggunakan metode deskriptif-kualitatif dengan pendekatan penelitian lapangan dan penelitian kepustakaan. Sumber data yang digunakan dalam penelitian ini adalah sumber data primer dan sumber data sekunder. Hasil kajian menunjukkan bahwa Digital Islamic Network (DIN) di Bank Muamalat KCP Tulungagung berperan untuk memudahkan nasabah mendapatkan layanan yang berkualitas dan profesional dengan mewujudkan efektifitas dan efisiensi layanan perbankan kepada nasabah. Hal ini dibuktikan dengan peran Muamalat Digital Islamic Network (DIN) dalam meningkatkan kualitas pelayanan, memberikan kemudahan pelayanan kepada pelanggan, efisiensi waktu, memberikan jaminan keamanan bagi pelanggan, dan memberikan kepuasan pelayanan. Abstract: The development of technology in the current era show growing rapidly. The world is experiencing tremendous progress in technology and innovation. The presence of the Digital Islamic Network (DIN) application as a beneficial digital platform is enthusiastically welcomed by the public. For this reason, this study aims to determine the role of Digital Islamic Network (DIN) applications in improving customer service at Bank Muamalat KCP Tulungagung. This article uses a descriptive-qualitative method with a field research and library research approach. Sources of data used in this study are primary data sources and secondary data sources. The result of the study shows that the Digital Islamic Network (DIN) at Bank Muamalat KCP Tulungagung plays a role in making it easy for customers to receive quality and professional services by realizing the effectiveness and efficiency of banking services to customers. This is proven by the role of Muamalat Digital Islamic Network (DIN) in improving the quality of service, providing easy service to customers, time efficiency, providing security guarantees for customers, and providing service satisfaction.
EMPOWERING ISLAMIC PHILANTHROPY TOWARDS SUSTAINABILITY DEVELOPMENT GOALS YAYASAN DANA SOSIAL AL-FALAH SURABAYA
Abstrak: Penelitian ini membincangkan beberapa kondisi masyarakat terkait stabilitas dan keberlangsungan hidup. Berbasis standar Sustainable Development Goals (SDGs). Peneliti berfokus pada kiprah lembaga pengelola filantropi Islam, Yayasan Dana Sosisa al-Falah (YDSF). Hadirnya penelitian ini membawa dua permasalah utama: sistematika pengelolaan aset umat dan implementasi standar SDGs bidang pemberdayaan manusia. Riset ini merupakan kajian kualitatif berbasis data lapangan dengan pendekatan fenomenologis. Kajian ini sampai pada dua kesimpulan. Pertama, YDSF mengenalkan model fundrasing donatur sebagai pengepul sekaligus agent of branding. Bentuk distribusi bantuannya bervariasi: konsumtif tradisional; konsumtif kreatif; produktif tradisional; dan produktif kreatif. Kedua, YDSF mengimplementasikan sistem mustaḥiq to muzakkī (M-to-M). Pemberdayaan yang dilakukan YDSF berprinsip kreditur harus bisa menjadi debitur untuk masyarakat luas. Bentuk pembedayaannya pun bervariasi sesuai kebutuhan yang dirasa para kreditur paling urgent untuk diimplementasikan. Abstract: This paper discusses several conditions of society ‘stability and survival’standards-based Sustainable Development Goals (SDGs). Research focuses on the work of Islamic philanthropic management institutions, Yayasan Dana Sosial al-Falah (YDSF). The research brings two main problems: systematics of asset management and implementation of SDGs standards in the field of human empowerment. This research is a qualitative study, Based on field data with a phenomenological approach. The study came to two conclusions. First, YDSF brings a fundraising model of donors as collectors and agents of branding the forms of distribution: traditional consumptive; creative consumptive; traditional productive; and creatively productive. Second, YDSF implements the system mustaḥiq to muzakkī (M-to-M). The empowerment carried out by YDSF is based on the principle that creditors must be able to become debtors for the wider community. The form of empowerment also varies according to the needs felt by creditors most urgently to implement.