Rumah Jurnal ISNJ Bengkalis - Institut Syariah Negeri Junjungan Bengkalis
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Is Non-Financial Health Related To Financial Health In Zakat Institutions?
Full text linkThis research aims to analyze the financial and non-financial health levels of one of the Zakat institutions, Rumah Amal Salman ITB. The method used is explanatory research with a descriptive quantitative approach. The data used is secondary and primary in financial reports from Rumah Amal Salman ITB and questionnaires from 20 respondents. The research results show that the health level of the Rumah Amal Salman ITB is excellent, both in terms of financial and non-financial health, which is effective and efficient. The level of financial health includes the health of activity performance, operations, liquidity, and growth. The level of non-financial health includes general management health, risk, and Sharia compliance. The results of this research can provide a reference to the relationship between financial and non-financial performance in zakat institutions. This can inform other zakat institutions on performance elements that must be improved to realize organizational health values, which will impact increasing ZIS fund receipts
The Impact Of Economic Contraction On The Financing Collectability Of Islamic Banking In Indonesia
Full text linkThe COVID-19 pandemic affected Indonesia's economic growth, which experienced a contraction in the first and second quarters of 2020. This study examines how economic contraction affects the collectability of Islamic banking in Indonesia, period for 2019: IV - 2020: II. The measurement of financial collectability is based on non-performing financing (NPF). The research data source comes from secondary data in publications from the Central Statistics Agency (CSA) and the Financial Services Authority (FSA). Data analysis uses descriptive statistics with the help of percentages, growth, and graphs. The results indicated that the economic contraction significantly impacted the decline in Islamic banking performance, as evidenced by an increase in NPF. The NPF increase occurs in all debtor groups: MSMEs, non-MSMEs, and households (consumption financing). The collectability of financing is separate from the area where COVID-19 spreads; where DKI Jakarta, East Java, and West Java are in the top five highest COVID-19 cases, they have better financing collectability than other provinces. Based on economic sectors, only mining and quarrying did not experience an increase in the NPF during the economic contraction period. These findings show differences with the growth-led finance paradigm. Regions that experience high cases of COVID-19 infection have better financing collectability. The practical implication of these findings is the importance of coordinating macro prudential policies with others, such as fiscal and actual sector policy, in encouraging the resilience of MSMEs, including managing the collectability of financing during economic contraction periods
Performance Of The National Zakat Agency Based On Financial Ratios
Full text linkThis research aims to analyze the performance of BAZNAS Central Lombok Regency based on financial ratios. The type and research approach used is quantitative descriptive. This research uses secondary data from BAZNAS Central Lombok Regency financial reports for 2018-2022. The research results show that the activity ratio value indicates that BAZNAS Central Lombok has effectively distributed Zakat, Infaq, and Shadaqah (ZIS) funds. The turnover ratio shows very high/active performance, whereas the performance of ZIS fund distribution is excellent in time. The efficiency ratio shows that the ratio of collection costs is efficient, the operational cost ratio using the total operational costs divided by total ownership rights approach is inefficient, while the operational cost ratio using the total operational costs divided by total collection approach is efficient, as well as the human resource cost ratio. The amil fund ratio and liquidity ratio show good performance. On the other hand, the growth ratio shows poor performance. Theoretically, this research can be used as a reference for future research. Practically, this research can be a reference material for BAZNAS Central Lombok Regency, which has not yet entirely produced optimal performance and for the Central Lombok Regency government as the regulator so that it can mobilize the community and government officials in distributing zakat to BAZNAS Central Lombok Regency
The Role Of Good Governance In Mediating Literacy, Income And Cash Waqf Decisions
Full text linkThis research aims to analyze the influence of literacy, income and good governance on cash waqf decisions and examine the role of good governance as a mediating variable in this relationship. The research method uses a quantitative approach with primary data by distributing questionnaires online and offline to the waqifs. This research's population is the General Ahmad Yani Mosque, Malang City congregation. A total of 76 samples were collected using a purposive sampling technique. The research model uses Partial Least Square structural equations with the help of SmartPLS software version 4.1.0. by testing the outer model, inner model, and hypothesis. The research results reveal a positive and significant influence between literacy, income, and good governance when giving cash waqf. Good governance can mediate the influence of literacy and income on giving cash waqf. Cash waqf is not only influenced by literacy and income factors, but the implementation of institutional solid good governance can strengthen the trust of wakifs, thereby increasing cash waqf revenues. This research can complement previous theories and become a reference for further research. This research can be a reference for cash waqf managers in increasing the number of waqifs and implementing good governance
Comparison Of Murabahah And Musyarakah Mutanaqisah Financing Management Strategies
No full textThis research analyses the comparison of murabaha and musyarakah mutanaqisah financing management strategies. This research is field research with data sources coming from primary and secondary data through observation, interviews, questionnaires, documentation and focus group discussions (FGD). Data analysis uses a mixed method approach, quantitatively and qualitatively using IFAS, EFAS matrices, SWOT diagrams and SWOT matrices. This research found advantages and disadvantages to murabaha and musyarakah mutanaqisah financing. Murabaha financing is quite familiar compared to musyarakah mutanaqisah financing and is currently in an aggressive strategic position with a strengths-opportunity score of 3.0. This position is very profitable for bank nagari syariah Bukittinggi. For musyarakah mutanaqisah financing, it is currently also in a favourable position. However, under Murabaha financing with a total strengths-opportunity score of 1.15, this position is still profitable for bank nagari syariah Bukittinggi. However, the weakness of musyarakah mutanaqisah means that financing distribution could be more optimal. Mutanaqisah musyarakah financing has incredible strengths and opportunities if it maximises its strategy. This research can complement existing theory and become a reference for bank nagari syariah Bukittinggi in improving its financing management strategy to support financing growth and meet community needs
Evaluation Of The Financial Performance Of Bank Syariah Indonesia Using The Camel Method
Full text linkFinancial performance is essential for banking institutions. Good financial performance can increase public confidence in investing capital and applying for financing to banks. This research aims to evaluate the financial performance of Bank Syariah Indonesia after the merger. This research uses a descriptive quantitative approach with data sources in the form of secondary data. The data collection technique uses documentation from Bank Syariah Indonesia's financial reports for 2021-2023. The data analysis technique uses the CAMEL method: capital, assets, management, earnings and liquidity. The research results show that the capital aspect from 2021 to 2023 falls within the excellent criteria. The asset aspect from 2021 to 2023 is included in the excellent criteria. The management aspect from 2021 to 2023 falls into the suitable criteria. The earnings aspect from 2021 to 2023 is included in the excellent criteria. The excellent criteria include the liquidity aspect from 2021 to 2023. Bank Syariah Indonesia's financial performance after the merger from 2021 to 2023 is healthy. This research can be used as reference material for evaluating Bank Syariah Indonesia and improving its financial performance in the future. Then, it can also be a reference for stakeholders in making decisions
Perceived Benefits And Perceived Behavioral Control Toward Fintech Adoption Intention In Banking Products
Full text linkThis study aims to verify the relationship between perceived benefits and perceived behavioral control on fintech adoption intention on banking products and services in Indonesia. This quantitative study uses the technology acceptance model (TAM) approach and the theory of planned behavior (TPB). The sampling technique uses purposive sampling, with a sample size of 545 respondents. The data source used is primary data. Data were collected by distributing questionnaires built using Google Forms and distributed through social media. The data analysis technique uses a structural equation model based on partial least squares (SEM-PLS) with the help of SmartPLS software. The study's results prove that perceived benefits and perceived behavioral control positively affect fintech adoption intention. This study can theoretically prove that the TAM and TPB theories can be applied together and explain the relationship between research variables. Practically, the TAM and TPB theories can be used together as a policy-making model for implementing fintech innovation in banking
Women's Leadership And Banking Productivity: Mediating Role Of Artificial Intelligence
Full text linkThis study aims to analyze the influence of women's leadership on banking productivity with artificial intelligence (AI) as a mediator. This study involved 90 employees of Bank SulSelBar Makassar, where the entire population was sampled (saturated sample). The method used is quantitative, using primary data collected through questionnaires. The data analysis technique used structural equation modeling (SEM) to evaluate the relationship between variables with the help of SmartPLS software version 3.0. The study results indicate that women's leadership positively affects banking productivity and the implementation of AI. However, the implementation of AI itself does not affect banking productivity. AI cannot mediate the influence of women's leadership on banking productivity. This study advises banks to continue supporting inclusive women's leadership and adopt advanced technology to increase productivity. Theoretically, this study does not support the assumption that technology such as AI will automatically increase productivity without considering the context of leadership. The application of AI needs to be carried out optimally by considering the technology's suitability for banking needs
Menanamkan Jiwa Kewirausahaan Pada Usia Dini di SDN Kebonbera Rumah Transisi UBJ di Sukabumi
Full text linkPendidikan kewirausahaan di usia dini memiliki potensi besar untuk membentuk karakter dan keterampilan yang diperlukan dalam dunia bisnis modern. Penelitian ini berfokus pada inisiatif penanaman jiwa kewirausahaan di SDN Kebonbera, Rumah Transisi UBJ, Sukabumi, dengan tujuan untuk mengintegrasikan konsep kewirausahaan dalam kurikulum sekolah dasar. Program ini dirancang untuk membekali siswa dengan pemahaman dasar mengenai kewirausahaan, termasuk kreativitas, inovasi, dan keterampilan manajerial dasar. Metode yang digunakan mencakup pelatihan interaktif, proyek berbasis tim, dan simulasi kegiatan bisnis kecil yang relevan dengan konteks lokal. Evaluasi dilakukan untuk mengukur dampak program terhadap motivasi siswa, pengetahuan kewirausahaan, serta keterampilan praktis yang diperoleh. Hasil dari studi ini menunjukkan bahwa intervensi kewirausahaan di usia dini dapat meningkatkan rasa percaya diri, kemampuan problem-solving, dan keterampilan sosial siswa. Penelitian ini menyarankan perlunya pendekatan sistematis dalam implementasi program kewirausahaan di sekolah dasar sebagai bagian dari strategi pengembangan pendidikan yang holistik
Upaya Peningkatan Penjualan Pada UMKM Liang Teh Gwek An Melalui Stategi Pemasaran
Full text linkLiang teh atau teh herbal merupakan salah satu minuman yang minuman favorit untuk semua kalangan, baik anak-anak, remaja, maupun orang tua, karena memiliki banyak manfaat kesehatan. Permasalahan yang dihadapi oleh UMKM Liang Teh Gwek An adalah belum adanya sistem open PO (Pre-Order) bagi pelanggan yang ingin membeli dalam jumlah yang banyak, lokasi yang belum cukup strategis dalam menjual produk, dan belum adanya perencanaan pengembangan usaha kedepannya. Tujuan kegiatan pengabdian ini adalah untuk mengembangkan strategi pemasaran dan menambah omset penjualan pada UMKM Liang Teh Gwek An. Metode pengumpulan data yang digunakan adalah metode wawancara. Adapun hasil pengabdian menunjukkan bahwa UMKM Liang Teh Gwek An mendapatkan pemahaman yang lebih baik tentang cara membuat bauran pemasaran 7P, STP, analisis SWOT dan penghitungan HPP. Diharapkan kegiatan ini bisa membantu pelaku UMKM mengembangkan strategi pemasaran penjualan produk dan meningkatkan kualitas produk serta memanfaatkan promosi melalui sosial media supaya bisa mendapatkan volume penjualan dan perhatian pasar yang lebih baik