AL-MUZARA'AH
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Perbankan Syariah dan Pertumbuhan Ekonomi Indonesia: Bagaimana Kontribusinya?
Full text linkIslamic banking takes part in the Indonesian economic and financial system which contributes to the dynamics of eeconomic growth. The number of Islamic banks in Indonesia, through its market share, is still quite small, namely 5.95% in 2019 of the total national banking market share. One of the main activities of Islamic banking is channeling financing through financing based on the type of use and business category. This study aims to determine the short-term and long-term contribution of Islamic banking to Indonesia\u27s economic growth using the Vector Error Correction Model (VECM) method. The data used in this study are quarterly secondary data of real Gross Domestic Product (GDP) and financing based on the use and category of Indonesian Islamic banking business types, which consist of working capital financing, investment financing and consumption financing. The results showed that in the short and long term, the variable consumption financing had a significant negative effect on Indonesia\u27s economic growth
Analisis Produktivitas dan Faktor-Faktor yang Memengaruhi Efisiensi Asuransi Syariah di Indonesia: Suatu Kajian Empiris
Full text linkMarket share on Islamic Insurance is still very small compared to conventional insurance. Islamic insurance companies must be able to compete with conventional insurance in order to increase their market share. Efficiency and Productivity are factors that must be improved so that Islamic insurance can compete with conventional insurance. This study aims to analyze the level of efficiency and productivity of Islamic insurance during the 2016-2018 period. The study was conducted on 48 Islamic insurance companies consisting of 26 Islamic life insurance companies and 22 Islamic general insurance companies. Efficiency analysis use the Data Envelopment Analysis (DEA) approach and productivity analysis use the Malmquist Productivity Index (MPI). The novelty of this study, among others, involves Islamic general insurance in the productivity analysis which has not been studied so far. The results of the analysis shows that the majority of Islamic life insurance and Islamic general insurance are inefficient during the 2016-2018 period. The size of the company which represents the total assets is the factor that have a positive and significant effect on the efficiency value. The results of the productivity analysis shows that the productivity level of both sharia life insurance and general sharia insurance during the 2016-2018 period is influenced by technological change factors
Penerapan UTAUT untuk Memahami Akseptansi Mahasiswa terhadap Inovasi Cicilan Buku Berakad Murabahah
Full text linkThe increasing interest of the Muslim community in Indonesia in the consumption of goods and services labeled halal has certainly made all things with a halal perspective appear. Fintech (financial technology) as a form of digitization of the rapid development of technology is also used in the financial sector. The focus discussed in this study is the obligation of students to have books and how the website innovation system works using the murabaha contract. This study uses a phenomenological approach by conducting interviews with 40 students of the Muhammadiyah University of Sidoarjo who have used and made transactions on the IjabQabul.id website. The data obtained from the interviews were reprocessed using the Atlas.ti software. The results showed that from the IjabQabul.id website, students were quite helped by the facilities provided, such as payment methods that could be made online or collectively as well as payment methods that could be made in installments. Additions and feature enhancements are also expected by users to be added to the website
Bibliometric Analysis of Islamic Economics and Finance Journals in Indonesia
Full text linkFor researchers in Islamic economics and finance, publishing a journal article is one of the prerequisites to enhance the discipline of Islamic economics and finance. However, to fill out the gap in current research in the field, a researcher has to review various peer-reviewed journals. This paper utilizes a bibliometric analysis through VOSviewer software to help a researcher visualizing the performance of the Islamic economics and finance journals and the researchers in the field as well as their topic of interest. This method enables a researcher with a self-developed approach in the data collection. The result of this study shows top-five Islamic economics and finance Indonesian journals, along with the ten most productive researchers. We believe there should be an improvement in the journal management and collaboration among researchers in Indonesia for the betterment of the journals in Islamic finance in the years to come
Faktor-faktor yang Memengaruhi Persepsi Wakif terhadap Wakaf Uang di Kota Bogor
Full text linkWaqf has a potential in developing a social and economic aspect of society. The development of waqf instrument in the attempt of social and economic growth is able to be obtained through the new concept of waqf, that is cash waqf. However, the realization of cash waqf collection was not met its potential. Based on the previous studies, one of the factors that caused the low quantity of cash waqf collection was the people that had less awareness and comprehension towards cash waqf. Even several people that already gave their waqf had only known the waqf in the form of immovable asset. This study aims to describe respondents’ characteristics and analyze the possible factors that affect wakifs’ perception towards cash waqf in Bogor City. The method used in this study was descriptive analysis and logistic regression analysis. This study was done in Bogor City and involved 50 respondents. Based on the data analysis results, wakifs’ perception was known to be affected by their comprehension towards cash waqf and their social motivation
Viability of Muzara’ah Contract on Agro-financing in Alleviating Rural Poverty in Kano State, Nigeria
Full text linkThe problems of inadequate sources of financing agriculture and scarcity of credit facilities to rural farmers due to interest rate and lack of collateral or guarantor to secure loans thus, many lands become fallow especially in dry season; this adversely affects the entire yield in the rural areas. Aims to assess the viability of Muzara’ah in providing sources of agro-financing and alleviating rural poverty, the study conducted in Kura LGA Kano State, adopted quantitative survey method, 152 samples out of 250 registered farmers were used as guided by Krejcie & Morgan 1970, using random sampling, questionnaire for data collection and chi-square test for goodness of fit for analysis. The paper finds the viability of muzara’ah in providing sources of agro-financing very significant as it seeks to bridge the gap that exists between the deficit and surplus landowners where the latter offered his surplus land to the former and employ his labor to till the land and share the yield on a pre-agreed ratio. The paper suggests the proper implementation of muzara’ah to cultivate more lands, generate job creation, increase farmers income earning and enhance food security which in turn alleviates rural poverty
Analisis Dampak Pemberdayaan Perempuan terhadap Kesejahteraan Keluarga
Full text linkThis research was conducted to analyze: (1) the form of empowerment carried out by KJKS Ukhuwah Pro-IBU; and (2) the impact of empowerment carried out by KJKS Ukhuwah Pro-IBU. Mix methods with sequential exploratory model was used on this research. The results of the study through interview, observation, and documentaion shows that KJKS Ukhuwah Pro-IBU conducted empowerment through loans and financing with sharia contract, weekly meetings, and training for women groups that were formed. This results shows that the form of empowerment of KJKS Ukhuwah Pro-IBU can be classified as Economic Empowerment and Sharia Grameen. Based on multiple linier regression test, it is known that material welfare of KJKS Ukhuwah Pro-IBU members is positively influenced by financing, length of business, education and negatively by number of family members and age. On the other hand, other factors namely attendance at weekly meetings, Islamic business ethics, has no significant influence. As for the results of Pearson corellation test, it is known that non-material welfare has a relationship with other variables, namely a positive relationship with a moderate degree of closeness with variables of material welfare, financing, Islamic business ethics. This results shows that material or non material welfare improvement one of them can be achieved with women empowerment that using forms of economic empowerment and Sharia Grameen
Faktor-faktor yang Memengaruhi Tingkat Non Performing Financing dan Non Performing Loan pada Dual Banking System di Indonesia
Full text linkThe value of non-performing financing Islamic banks in Indonesia based on OJK data on 2017 at 4.76%, which is greater than the percentage of non-performing loans in conventional banks at 2.59%, then that’s make a question why the percentage of Islamic banks is greater and what factors influence it. Data retrieval research is sourced from quarterly financial reports in the first quarter of 2012 to the third quarter of 2017 as many as 10 Islamic banks and 10 conventional commercial banks. This study aims to analyze the factors that affect the level of non-performing finance (NPF) and non-performing loans (NPL) in dual banking system Indonesia. Variable independent in this research are the growth of gross domestic product (GDP), inflation, BI rate, return on assets (ROA), financing to deposit ratio (FDR)/loan to deposit ratio (LDR), capital adequacy ratio (CAR), operating expenses on operating income (BOPO), and total assets while the dependent variable is NPF and NPL. The analytical method used to test the hypothesis is by panel regression analysis. The results of this study indicate that the sharia commercial banks have a significant influence on NPF including GDP, inflation, CAR, ROA, FDR, and BOPO. In conventional commercial banks significant factors include GDP, inflation, BI rate, CAR, LDR, BOPO, and total assets
Literature Review Filantropi Islam antara Tahun 2008 hingga 2018
Full text linkThe author is interested in reviewing Islamic philanthropic literature between 2008 and 2018 because Islamic philanthropic behavior is found in any community, from the scope of the poorest countries to even the developed world. In addition, Islamic philanthropy is an object of study that has been widely studied in the social and economic fields. Articles about Islamic philanthropy were obtained using the zakat keyword on Emerald Insight between 2008 and 2018. The search results of 37 articles were then grouped into six topics discussing management, CSR, philanthropy, poverty, charity, religion, distribution, and collection. The findings show that Islamic philanthropy is a topic that is widely discussed by economists and researchers both muslim and non muslim. This is because Islamic philanthropy is the most realistic way to reduce poverty and social inequality today. However, the lack of optimal management of potential Islamic philanthropic funds has hampered the achievement of this goal
Pengaruh Keuangan Syariah terhadap Pertumbuhan Ekonomi dan Indeks Pembangunan Manusia di Indonesia
Full text linkOne of variable to calculate the Human Development Index (HDI) is a decent standard of living derived from the Gross Domestic Product (GDP) figure. Therefore, the increase in HDI could be influenced by GDP. Furthermore, as a Muslim-majority country and adopting a dual banking system, Indonesia\u27s GDP is certainly also influenced by the Islāmic financial sector, such as zakat and Islāmic bank financing. In this case, zakat plays role as a wealth distribution instrument. Then Islamic bank financing could be a funding capital for the community and the country. So, this study analyzes the direct and indirect relationship between the variables of zakat, Islamic bank financing and GDP to the HDI. The method used is path analysis which aims to look at the hypothesis of causal relationships. The results obtained are the direct relationship of Islamic bank financing and GDP significantly positive effect on HDI. Zakat and Islamic bank financing variables have a positive effect on GDP. The greatest coefficient value between direct relationships is the coefficient of Islamic bank financing on GDP, which is equal to 81.7%. But the direct relationship of zakat to the HDI cannot be known. While the indirect relationship shows that there is an influence between the variables of zakat on the HDI through GDP and there is an influence between the variables of Islamic bank financing on the HDI through GDP