AL-MUZARA'AH
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Influential Factors in the Development of Halal Food Consumption Behavior: Gunadarma University Students
Full text linkThe purpose of this study was to determine the factors that influence the behavior of halal food consumption. The approach used in this study is a quantitative approach. The population in this study was Gunadarma students while the sample of this study was 100 people. The data collection technique in this study used questionnaire techniques. Data analysis techniques in this study use validity tests, reliability tests, descriptive analysis, and multiple linear regression tests. The linear regression test includes significance tests (F statistical tests), partial significance tests (statistical t tests) and certainty tests (R2 tests). The results of this study, partially attitudes and religiosity have a significant positive effect on halal food consumption behavior, while subjective norms/intentions and brand beliefs have an insignificant effect on halal food consumption behavior. Simultaneously the variables of attitude (X1), religiosity (X2), subjective norms/intentions (X3) and brand trust (X4) simultaneously have a significant effect on halal food consumption behavior
Farmers’ Intention to Pay Zakat (Determinants of Agricultural Zakat in the Special Region of Yogyakarta)
Full text linkDI Yogyakarta is one of the provinces with an agricultural sector that contributes to the GRDP of the province. This is certainly in line with the potential for agricultural zakat, which is quite large. However, on the other hand, DI Yogyakarta is one of the provinces with problems related to poverty and the Gini ratio index, which is quite unequal. One of the reasons this problem later arose was that the potential for zakat was not fully realized. This study aims to determine the effect of religiosity, knowledge, income, environment, and belief on farmers’ intention to pay agricultural zakat. This research is quantitative research with a survey technique. This study sample was Muslim farmers living in the Special Region of Yogyakarta. The sampling technique used was purposive sampling with a total sample of 60 samples. The data analysis technique used is Structural Equation Modeling and Partial Least Square (SEM-PLS) with analysis tools using Smart-PLS 3.0. The results of this study indicate that religiosity, income, and environment significantly positively affect farmers’ intention to pay agricultural zakat. At the same time, knowledge and trust do not affect farmers’ intention to pay agricultural zakat
Analisis Impostor Syndrome dalam Aspek Religiositas terhadap Waqf Behavior Mahasiswa IPB dengan Pendekatan Ebbinghaus Forgetting Curve
Full text linkIn the context of productive waqf development in Indonesia, especially at Bogor Agricultural University (IPB), this research is rooted in the high potential of waqf followed by the tendency of students to contribute. With the Indonesian Waqf Board (BWI) as the main mover and IPB as an educational institution that acts as a nazir, increasing waqf literacy has had an impact on people\u27s anxiety about post-life in the world, motivating them to actively waqf. Furthermore, this study links the phenomenon of Impostor Syndrome with the Ebbinghaus Forgetting Curve, highlighting the psychological and cognitive role in the retention of waqf-related information. This research uses a mixed method, namely quantitative derived from the results of CIPS and STAI tests of respondents to identify impostor syndrome and power function decline to find the new ebbinghaus forgetting curve. The qualitative method carried out is derived from interviews with key persons. Through a focus on IPB students, this study aims to understand how Impostor Syndrome feelings can affect aspects of religiosity and student waqf contributions, with the hope that the results can form emotionally stable, sincere, and balanced waqf behavior in achieving life balance
The Problem of Murabaha Financing of Islamic Microfinance Institution and The Handling Strategies in Indonesia: A Literature Review
Full text linkIndonesia is a country with the largest Muslim population in the world and has extraordinary potential in the amount and assets of Islamic microfinance and can be a reference for the application of Islamic Microfinance in other countries. The purpose of this study was to review the problems in murabaha financing at Islamic Microfinance Institution (IMFI) and the treatments. The approach used was a qualitative analysis of Indonesian literature studies about the specific type of murabaha financing with content analysis and thematic analysis techniques. This study found that internal and external factors caused problematic murabaha financing in BMT. Internal factors include the inaccuracy of BMT in 5C (Character, Capacity, Capital, Collateral, and Condition), lack of supervision, procedures violations, facilities and infrastructure, and lack of human resources (HR). Meanwhile, external factors include bad customers, unexpected circumstances of customers, lack of customer income, inflation, and government policies. The actions done by the BMTs to overcome problematic murabaha financing were by implementing BMT guidelines for prospective customers, preventing and repressive supervising, applying a democratic leadership style, applying fines, rescheduling, restructuring and reconditioning write off, auction of collateral, and legal actions. This study recommends strengthening financing selection by improving human resource skills and also variations in handling murabaha financing with a humanist approach
Analisis Faktor-Faktor yang Memengaruhi Ketahanan UMKM Makanan dan Minuman Bersertifikat Halal saat Pandemi COVID-19 di Kota Banda Aceh
Full text linkThe existence of the COVID-19 pandemic has implications for the global economic sector, including in Indonesia. The decline in economic performance is not only felt by large multinational and national companies, but also by MSME players. This research aims to examine the factors of resilience of MSMEs during the COVID-19 pandemic, so that the results of this research can be a survival strategy for MSMEs, especially during the pandemic. The research data was collected through an interview process with 100 food and beverage MSME actors who have halal certification and who do not have halal certification in Banda Aceh City. After that, MSMEs will be grouped into MSMEs that have resilience and do not have resilience for further analysis. The analysis method used in this research is descriptive analysis and logistic regression analysis. Based on the research results, the factors that positively and significantly affect the resilience of MSMEs during the COVID-19 pandemic are the characteristics of entrepreneurship and government support
Faktor-Faktor yang Memengaruhi Minat Masyarakat Berwakaf Uang/Melalui Uang dalam Mendukung Pembangunan Berkelanjutan Kota Bogor
Full text linkSustainable Development Goals (SDGs) has been interesting issue in this era. One of the ways to support these goals is by empowering cash waqf. The purpose of this research is to identify people perception on cash waqf to support sustainable development in Bogor City, to analyze the factors affecting people interest in cash waqf to support sustainable development in Bogor City, and to create formulas in order to increase the collection of cash waqf to support sustainable development in Bogor City. This research uses descriptive analysis, median analysis, Partial Least Square-Structural Equation Modelling (PLS-SEM) analysis, and strategic analysis. It is found that the most dominant indicator goes to “spending money for the needy can increase the spirit of religion, to support sustainable development”. It is also found that 64.86% indicators are included as good perception. Awareness, knowledge, attitude, and religiosity have positive and significant effect on people interest in cash waqf to support sustainable development in Bogor City, while promotion and socialization have positive effect but not significant. Improving on awareness, knowledge, attitude, and maintain religiosity should be taken as the main strategy to increase the collection of cash waqf to support sustainable development in Bogor City
Analysis of Sukuk Research in Indonesia Bibliometric Approach
Full text linkThe concept of sharia-based finance is currently growing rapidly in Indonesia. One form of sharia financial instrument that has been issued by both corporations and the state is the sukuk. Sukuk is one of the most innovative forms of product in the development of the contemporary sharia financial system. It can be concluded that sukuk is an alternative source of funding, especially for the government and corporate companies. The growth of sukuk in Indonesia has increased sharply compared to other Islamic financial instruments, the growth reaching 84% per year if analyzed from 2001 to 2007. Thus, sukuk has developed into one of the most important mechanisms in increasing finance in the international capital market through an Islamically acceptable structure. This study aims to determine the development of research trends in sukuk in Indonesia published by leading journals on Islamic financial economics. The data analyzed consisted of 47 papers that Scopusindexed research publications. The data is then processed and analyzed using the VOSviewer application to find out the bibliometric map of the development of sukuk research in Indonesia
Pengaruh Kualitas Pelaksanaan Islamic Corporate Governance dan Kompleksitas terhadap Frekuensi Terjadinya Fraud pada Perbankan Syariah di Indonesia
Full text linkThis study is explore the quality of ICG in sharia banking in Indonesia during the period of 2011 – 2020, analyze the effect of the quality of ICG implementation and complexity on the frequency of fraud in sharia banking in Indonesia. This study uses a descriptive method with a quantitative approach. The data analysis method used panel data regression. The results that the quality of ICG implementation at BUS during 2011-2020 on average was in the predicate of “very good”, “good” and “good enough”. The implementation of ICG in BUS BUKU III is better than BUS BUKU II and BUKU I. The results also show that the quality of ICG implementation has a significant effect on fraud, if the ICG value increases (the quality of ICG implementation decreases) by 1 unit, then fraud will increase by 1.3251 unit. Then, the complexity has no effect on the frequency of fraud, meaning that the complexity of banks reflected in the category of BUKU 1 banks has the same level of fraud as BUKU II and III
Comparative Analysis of Murabahah and Mudharabah Financing Risk from Islamic Microfinance Institutions Perspective
Full text linkThe most frequently used financing contracts in Islamic financial institutions are murabahah and mudharabah. This study aims to reveal the phenomenon in the field about the description of the risk comparison between murabahah financing and mudharabah financing from the BMT side. This study uses descriptive qualitative research methods through data collection methods with in-depth interviews with nine respondents who have experience handling the risks of murabahah financing and mudharabah financing at BMT. This study shows that the risk of mudharabah financing is greater than the risk of murabahah financing. In practice, mudharabah financing tends to be relatively high due to asymmetric information and moral hazard. The inherent risk in murabahah financing is the risk of member default due to default or member negligence in returning installments. This study also identifies risk factors such as trust risk and sharia legal risk for murabahah financing with wakalah contracts. This study shows that BMT applies the precautionary principle and is appropriate to maintain the institution\u27s health to minimize the risks that occur. This research is expected to be a reference in managing the risk of murabahah financing and mudharabah financing with innovative strategies. The BMT Islamic Microfinance Institution needs to stimulate and educate to reduce the risk of mudharabah financing so that it can become a top priority for financing
Analisis Rencana Elektronifikasi Keuangan Daerah dalam Memperluas Kontribusi Zakat dengan Pendekatan Fishbone Diagram Analysis
Full text linkThis study aims to identify the root cause in planning of the implementation digital transformation of local government financial transactions to expand the role of zakat. This study modify the element of zakat as an instrument in regional fiscal financial policy. Government policies that impose restrictions on social interaction among the spread of the Covid-19 outbreak have convinced people to switch to the trend of digital transactions. The electronification activity for each transaction is one of the government\u27s strategies in achieving the financial inclusion level target in 2024 of 90%. This study used a qualitative descriptive analysis using the Fishbone Diagram Analysis method with the 4M approach, there are Method, Manpower, Material, and Machine. Based on the analysis and mapping of the problems, it is concluded that there are still areas that need to be strengthened the plan of the regional government financial transaction electronification program in expanding the contribution of zakat, there are in the areas of government’s policy and regulation, human resources, infrastructure as well as synergy and coordination