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All Journal Dialektika: Jurnal Ekonomi dan Ilmu Sosial Al-tsaman : Jurnal Ekonomi dan Keuangan Islam
Nabila Adenina Zidni Maulida
Universitas Islam Raden Rahmat
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Sharia Contract Implementation after Institutional Transformation: BTN Syariah and BSN Nabila Adenina Zidni Maulida; Ahmad Nur Habibi; Ghufron Ainul Yakin; Fida Rif'atul Khasanah
Al-tsaman : Jurnal Ekonomi dan Keuangan Islam Vol 8 No 01 (2026): MEI
Publisher : INAIFAS Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62097/al-tsaman.v8i01.3088

Abstract

The transformation of Islamic banking institutions through the spin-off policy has become a strategic effort to strengthen governance, operational independence, and sharia compliance in Indonesia’s Islamic banking industry. However, studies examining the impact of institutional transformation on the implementation of sharia contracts remain limited. This study aims to analyze the implementation of mudharabah and wadiah contracts before and after the transformation of BTN Syariah into Bank Syariah Nasional (BSN). Using a qualitative case study approach, data were collected through interviews, observations, and documentation involving bank employees, sharia supervisory personnel, and customers. The findings indicate that the transformation did not change the substantive principles of mudharabah and wadiah contracts, but significantly improved their operational implementation through stronger governance, enhanced risk management, standardized procedures, greater transparency, and stricter sharia supervision. Furthermore, the transformation strengthened sharia compliance and good corporate governance, contributing to greater professionalism and customer trust in Islamic banking institutions.
Pengaruh Zakat terhadap Variabel Makroekonomi: Pendekatan VECM Achmad Mu'afi Ja'far; Eko Suprayitno; Umi Julaihah; Nabila Adenina Zidni Maulida
DIALEKTIKA: Jurnal Ekonomi dan Ilmu Sosial Vol 10 No 2 (2025): Dialektika: Jurnal Ekonomi dan Ilmu Sosial
Publisher : Prodi Manajemen Fakultas Ekonomi dan Bisnis Universitas Islam Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36636/dialektika.v10i2.7274

Abstract

Indonesia's economic growth has not fully translated into an increase in inclusive welfare, because the growth of the economy in the first quarter of 2024 was offset by millions of people who are still below the poverty line and experience limited access to education, health, and decent living standards. This study aims to analyze the causal and cointegration relationships between zakat, economic growth, Human Development Index (HDI), and poverty in Indonesia. Using annual data from 2013 to 2023, this study applies the Vector Error Correction Model (VECM) approach, including stationarity tests, optimal lag determination, Johansen cointegration test, Granger causality. The results indicate the existence of long-term relationships among the variables, with zakat exerting a significant influence on reducing poverty and improving HDI. However, the influence of zakat on economic growth is relatively insignificant. This research contributes to the Islamic economics literature and provides a strategic policy foundation for optimizing national zakat management.
Co-Authors Achmad Mu'afi Ja'far Ahmad Nur Habibi Eko Suprayitno fida rif'atul khasanah Ghufron Ainul Yakin Umi Julaihah