Ijtimā'iyya: Journal of Muslim Society Research
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Determining Factors of Working Capital Financing of Micro, Small, and Medium Enterprises (MSMEs) in Islamic Banking: An Empirical Evidence from Indonesia
Full text linkThis study aims to analyze empirically the determinants of the working capital financing of MSMEs under dual-banking system like Indonesia in the period January 2015 to April 2022. By using the selected variables and the time series data analysis method, namely the Error Correction Model (ECM), this study found that: (1) In the short term, the NPF variable have a significant effect on the decline in the distribution of capital working financing in Islamic banking in Indonesia; (2) In the long term, the variables of number of branch offices and ROA have a significant influence in increasing the number of working capital financing distributions for MSMEs in Islamic banking in Indonesia. Meanwhile, the inflation variable does not have an influence on the amount of Islamic banking financing distribution in Indonesia, both in the short and long term. This research is expected to contribute to policy making related to Islamic banking financing for the MSMEs sector in Indonesia
Application of Mudharabah and Musyarakah Financing at the Sharia Rural Banks in The City of Purwokerto
Full text linkIslamic banks are financial institutions that carry out their business activities based on sharia principles. Sharia principles must be applied to contracts implemented in Islamic banks. One of the contracts applied in Islamic banks is mudharabah and musyarakah contracts. This study focuses on the discussion on how to apply mudharabah and musyarakah financing, the distribution of business profit sharing and the obstacles faced by Sharia Rural Banks in the City of Purwokerto in implementing this financing. This type of research is field research using a qualitative research approach. The author uses several methods of collection in this study, namely observation, interviews and documentation. There are three stages in qualitative data analysis, namely the data reduction stage, display data, and conclusion or verification. The results of this study indicate: First, the mechanism of mudharabah and musyarakah financing at Sharia Rural Banks in the City of Purwokerto includes the initial process, the analysis process, the approval process, and the disbursement process. Second, most of the profit sharing in mudharabah and musyarakah financing at Sharia Rural Banks in the City of Purwokerto uses an income projection that reaches 80%. The rest, using the method profit and loss sharing by 17% and revenue sharing as much as 3%. Third, the small percentage of use profit and loss sharing and revenue sharing as well as the large use of income projections due to constraints such as customers not having business financial reports, especially small customers, customers\u27 reluctance to make business financial reports and Sharia Rural Banks in the City of Purwokerto not obliging to submit business financial reports. 
HYBRID YOUNG-MUSLIM: Intersection Manhaj, Political Identity, and Modernity through Social Media
Full text linkThis article analyzes the religious phenomenon of young Muslims who are channeled through social media. Along with the swift currents of modernization, digitalization, and globalization, it is possible to cross subcultures in the dynamics of human life, including in religious matters. On the one hand, in the religious context, there are specific guidelines (manhaj), but on the other hand, they want to maintain their identity as young people. The results of the struggle and synthesis of various elements gave birth to a form of religion called Hybrid Muslim. Forms of religion can be seen from the model of dress and social relations. The influence of religious groups in the construction of Muslim religion in the media is very large. They use a number of strategies to spread their religious understanding so that it fits the character of young Muslims. The manhaj most influential in the construction of Muslim religiosity is manhaj the conservative religious. Nevertheless, young people\u27s religious identity is not eliminated, namely millennial, modern, and Islami
Factors that Influence the Seafaring Households Financial Management in Jatibogor Village, Suradadi District, Tegal Regency
Full text linkThis objective of study is to determine the factors that influence the financial management of seafaring households in Jatibogor Village, Suradadi District, Tegal Regency. In this study, researchers examined several factors, namely family income, financial education in the family, financial knowledge, lifestyle, and spiritual intelligence. This type of research used associative hypothesis research. The study took a sample of seafaring households in Jatibogor Village, Suradadi District, Tegal Regency, where the respondent in this study is a wife. While the data in this study were processed using multiple linear regression analysis. The results showed that family income and financial knowledge had no influence on financial management of seafaring households in Jatibogor Village, Suradadi District, Tegal Regency, but financial education, lifestyle, and spiritual intelligence influenced the financial management of seafaring household in Jatibogor Village, Suradadi District, Tegal Regency
Analysis of Customer Preferences and Customer Attitudes on Islamic Banks
Full text linkThe Purpose of this study is to evaluate the difference between customer preferences and customer attitudes of Islamic Bank in Ex-Banyumas residency of Central Java, Indonesia. It also evaluates the most considers attributes in choosing an Islamic bank. Accidental sampling is used in this study with a total of respondents as 100. To observe the difference in customer preferences, the scoring method and Chi-Square analysis are applied, meanwhile, Fishbein’s Attitude model is used to discover the customer attitudes. It is concluded that there is a significant difference in customer preferences on choosing Islamic banks on Ex-Banyumas residency, particularly when it is based on gender and long-period of customer status. It also revealed that customers’ decision in choosing Islamic banks is influenced by service quality. The findings of this study could give valuable input to Islamic bank management in the improvement in their services. This study is explaining the implementation of the Islamic principle in banking operational activities, as in fact the main reason for most customers to get services from the Islamic bank. This study is also enriched the Islamic banking studies in Indonesia
(ARTICLE RETRACTED) The Political Challenge of Islamic Economic Development in The Jokowi’s Government, Indonesia
No full text(ARTICLE RETRACTED
Learning Model of Islamic Religious Education and Character During the Pandemic Period at SMP Negeri 8 Purwokerto
Full text linkThe sudden onset of the Covid-19 pandemic has an impact on all aspects of life. In the aspect of education, it is needed how to do it with existing resources, existing technology, education can continue to run well, be conducive and the learning process can be conveyed properly. So that learning can continue, collaboration is maintained, then all elements are responsible for education. Learning Islamic religious education and character will be successful if there is an appropriate model that can be practiced during the pandemic, so that learning continues and can meet expectations.
This research aims to identify and analyze the learning model of Islamic religious education and manners during the pandemic at SMP Negeri 8 Purwokerto. This research is a qualitative descriptive study with the subject of research being Islamic religious education teachers and character at SMP Negeri 8 Purwokerto. Data collection techniques through observation, interviews and documentation, while data analysis with data reduction, data presentation and drawing conclusions.
The results showed that the learning model of Islamic Religious Education and Morals at SMP Negeri 8 Purwokerto used; a) Contextual Teaching and Learning is a learning strategy that emphasizes the process of full student involvement to find the material being studied and relate it to real-life situations and apply it in life. b) Direct Learning, learning that emphasizes mastery of concepts and or behavior change by prioritizing a deductive approach. c) Project Based Learning, a learning method that uses projects or activities as media.
Evaluation is carried out through 3 types, namely; a) Assessment of observations / journals on student attitudes, carried out continuously through teacher observations. b) Self-assessment, an assessment carried out by asking students to express their strengths and weaknesses in behavior. c) Assessment between friends, carried out by means of students assessing each other\u27s behavior
The Effect of Profit Sharing Financing and Receivables towards Total Assets in Islamic Banking: Case Study in BNI Syariah
Full text linkThe objective of my research is to observe at the relationship between receivables, profit-sharing financing to total assets at BNI Syariah Bank from 2016-2020. Total assets in BNI Syariah frequently endure fluctuations in total assets each year, whether receivables and profit-sharing financing have a significant effect on variable Y (total assets). The method that researchers run is a quantitative method using the help of SPPS software, while the variables that influence are the dependent variable receivables and profit-sharing financing. The funding channelled by BNI Syariah is essentially the same as other Islamic banks in Indonesia. Because it still uses an agreement that has long practised in the Islamic banking system, such as the Murabaha contract for the provision of receivables, Mudharabah and Musyarakah contracts for profit sharing between customers and banks. The relationship between Receivables and Revenue Sharing Financing has a positive correlation between variables. This research can also provide some connection between Murabahah and Musharaka which are one of the main product sources of BNI Syariah bank. The originality of the research that the researcher makes is his own, it is not copied and that the researcher\u27s research idea is new and can add new knowledge
Analysis The Value of Tauhid Education Contained in Mas Ronggasasmita’s Suluk Wejang
Full text linkThe research was conducted with the aim of analyzing the values of tauhid education contained in Mas Ronggasasmita’s Suluk Wejang, then applying the values contained, including the Oneness of Allah, belief in the existence of Allah, straightening intentions, always repenting, being as much as zuhud and wara’, patient and sincere, dependent and trusting in Allah, gratitude and pleasure, good heart and character, perfection belongs only to Allah, being a knowledgeable, intelligent and faith, having a perfect teacher, believing in the names and attributes of Allah, always remembering death. The application of these values by instilling the real meaning of laa ilaaha illallahu in living daily life, not just mere pronunciation. Students are given by Allah various potentials in living a life whose ultimate goal is to reach Allah the Creator
Keywords: values, tauhid education, Suluk Wejan
The Synergy of Muslim Communities Abroad in Preventing Islamic Radicalism (Evidence from Indonesia Muslim Community in Victoria, Australia)
Full text linkIMCV (Indonesian Muslim Community in Victoria) was founded in 1997. Its existence and activities have been widely published in print and online media. However, these publications have yet to present IMCV as an organization that synergizes in counteracting radical Islamic ideology. The existence of IMCV is very strategic because its members are comprehensive and supported by several militant organizations, namely the young Indonesian generation in Australia, such as YIMSA (Young Islamic Muslim Students Association). This article found evidence of the synergy of IMCV as an Islamic organization of Indonesians in the state of Victoria will describe the synergy of IMCV in winning over Islamic radical ideas