Article Per Year (5 Year)
p-Index From 2021 - 2026
1.295
P-Index
This Author published in this journals
All Journal MUQTASID An-Nisbah: Jurnal Ekonomi Syariah Muqtasid: Jurnal Ekonomi dan Perbankan Syariah At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam COMMUNITY : Jurnal Pengabdian Kepada Masyarakat El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam An-Nisbah: Jurnal Ekonomi Syariah Business and Applied Management Journal Bhakti: Jurnal Pengabdian dan Pemberdayaan Masyarakat Referensi Islamika: Jurnal Studi Islam
Budi Kolistiawan
UIN Sayyid Ali Rahmatullah Tulungagung
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

Published : 12 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 12 Documents
Search

 1   2 
TINJAUAN SYARIAH TERHADAP TRANSAKSI MUAMALAT ASURANSI KESEHATAN BADAN PENYELENGGARA JAMINAN SOSIAL (BPJS) Kolistiawan, Budi
An-Nisbah: Jurnal Ekonomi Syariah Vol 2, No 2 (2016)
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2016.2.2.187-218

Abstract

Insurance business can be distinguished on some reviews. It includes general insurances, life insurances and reinsurances (on the basis of its function). Based on its basic policy, It includes term life insurances, whole life insurances, two benefcial insurances, insurances of investment unit (unit linked). Based on its belongings, it includes national private-owned insurances, state-owned insurances, foreign corporations-owned insurances, and multiplicity-owned insurances. Based on the nature of its implementation, it includes voluntary and compulsory insurances. Based on the business support activities, it includes insurance brokers, reinsurance brokers, insurance loss assessor, consulting actuary, and insurance agents. Mean while, mechanisms of Takaful (shari’a insurances) include underwriting, insurance policies, premiums, management of premiums, claims and insurance coverage. The main obstacles to develop shari’a insurance are lack of socialization, limitation of human resources of Takaful’s expert; lack of Muslim support, weakness of government support.Keywords: Insurance, Syari’ah, BPJS.
TINJAUAN SYARIAH TENTANG PEMBIAYAAN BERMASALAH DI PERBANKAN SYARIAH Kolistiawan, Budi
An-Nisbah: Jurnal Ekonomi Syariah Vol 1, No 1 (2014)
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2014.1.1.185-208

Abstract

In Islamic banking fnancial institutions, fnancing is a very big asset that the funding should be maintained based on the quality of the precautionary principle. The precautionary principle is Bank management guideliness that must be adhered,  in order to create a sound, robust and effcient in accordance with the provisions of the legislation. Application of the precautionary principle by Islamic banks one of which is manifested in the analysis is to analyze the fnancing of confdence in the willingness and ability of prospective clients to settle all its obligations in time, before the Islamic Bank disburses funds to customers Recipient Facility“. The confdence gained from assessment against characteristic carefully, capability, capital, collatera, and business prospects of the receiving facility prospective customers (character, capacity, capital , collateral, condition).  Islamic banks  provide fnancing hope that funding is running smoothly, customers comply with what was agreed in the agreement and paid when due. But it can happen in the fnancing period fnancing problems arise. The efforts made by the Islamic Bank to deal with the problem of fnancing the rescue fnancing problems with restructuring efforts if the customer still has a good faith within the meaning still want to be invited to cooperate in the effort to rescue fnancing problems , but if the customer has not acting in good faith in the sense of cooperative in an effort to rescue the troubled fnancing Islamic bank will make solving the fnancing problems.Keywords : Financing, Islamic Banking, 5C
Tantangan Lembaga Keuangan Syariah dalam Menghadapi Masyarakat Ekonomi ASEAN Kolistiawan, Budi
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 1 (2017): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v8i1.54-64

Abstract

Islamic law is basically a standard concept. As the time goes by, there is an ijtihad in some aspects of life, but they do not deviate from the teaching of Islam. So Islam in solving the problem is in accordance with Islamic teaching. It is an economic system that is part of human life. Islamic economic system is expected to solve the problems of human life without deviating from Islamic law of Allah SWT. Along with the development of the era, nowadays there are many emerging Islamic-based financial institutions or commonly called as Islamic financial institutions amid community. The purpose of this study is to determine how far the reediness of Islamic financial institutions in facing the ASEAN Economic Community. The method of discussion used in this study is analysis technique based on data and references of library research. Hukum Islam pada dasarnya merupakan konsep yang baku. Tetapi seiring berjalannya waktu, terdapat ijtihad dalam beberapa bidang kehidupan, namun tetap berada pada batasan yang tidak menyimpang dari ajaran Islam. Sehingga Islam dalam menyelesaikan masalah akan sesuai dengan perkembangan zaman. Demikian juga dengan sistem ekonomi yang merupakan bagian dari bidang kehidupan manusia. Sistem ekonomi Islam diharapkan bisa menyelesaikan permasalahan yang ada pada kehidupan manusia tanpa melanggar ketentuan hukum syariat Allah SWT. Seiring dengan perkembangan zaman, saat ini telah banyak bermunculan lembaga keuangan yang berbasis Islam atau sering disebut lembaga keuangan syariah ditengah masyarakat. Tujuan dari pembahasan ini untuk mengetahui sejauh mana kesiapan lembaga keuangan syariah menghadapi Masyarakat Ekonomi Asean. Metode pembahasan dalam artikel ini menggunakan teknik analisis berdasarkan data dan referensi kepustakaan yang ada. 
ANALISIS PRAKTIK MUAMALAT KOTEMPORER BAITUL MAL WAT TAMWIL Budi Kolistiawan
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 5, No 2 (2019): DESEMBER 2019
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v5i2.2057

Abstract

AbstractContemporary Muamalat Practices The Baitul Mal Wat Tamwil Institution is urgently needed to sustain the sustainability of small and medium-sized businesses because the financing provided is financing with a small capital and different from financing carried out by Islamic banking. This study aims to analyze the practice of contemporary muamalat in Islamic financial institutions Baitul Mal Wat Tamwil in the Special Province of Yogyakarta. BMT Yogyakarta provides a variety of financing solutions through products offered to help people who are in accordance with Islamic law to avoid the practice of usury. Keywords : Contemporary Muamalat Practices, Financial Transactions, BMT Abstrak Praktik Muamalat Kotemporer Lembaga Baitul Mal Wat Tamwil sangat dibutuhkan untuk menopang keberlangsungan usaha-usaha kecil dan menengah karena pembiayaan yang diberikan adalah pembiayaan dengan modal yang kecil dan berbeda dengan pembiayaan yang dilakukan oleh perbankan syariah. Penelitian ini bertujuan untuk menganalisis praktek muamalat kontemporer pada lembaga keuangan syariah Baitul Mal Wat Tamwil di Provinsi Daerah Istimewa Yogyakarta. BMT Yogyakarta memberikan berbagai macam solusi pembiayaan melalui produk-produk yang ditawarkan untuk membantu masyarakat yang sesuai dengan syariat Islam agar terhindar dari praktek riba.  Kata Kunci : Praktik Muamalat Kotemporer, Transaksi Keuangan, BMT
Tantangan Lembaga Keuangan Syariah dalam Menghadapi Masyarakat Ekonomi ASEAN Budi Kolistiawan
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 1 (2017): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (288.941 KB) | DOI: 10.18326/muqtasid.v8i1.54-64

Abstract

Islamic law is basically a standard concept. As the time goes by, there is an ijtihad in some aspects of life, but they do not deviate from the teaching of Islam. So Islam in solving the problem is in accordance with Islamic teaching. It is an economic system that is part of human life. Islamic economic system is expected to solve the problems of human life without deviating from Islamic law of Allah SWT. Along with the development of the era, nowadays there are many emerging Islamic-based financial institutions or commonly called as Islamic financial institutions amid community. The purpose of this study is to determine how far the reediness of Islamic financial institutions in facing the ASEAN Economic Community. The method of discussion used in this study is analysis technique based on data and references of library research. Hukum Islam pada dasarnya merupakan konsep yang baku. Tetapi seiring berjalannya waktu, terdapat ijtihad dalam beberapa bidang kehidupan, namun tetap berada pada batasan yang tidak menyimpang dari ajaran Islam. Sehingga Islam dalam menyelesaikan masalah akan sesuai dengan perkembangan zaman. Demikian juga dengan sistem ekonomi yang merupakan bagian dari bidang kehidupan manusia. Sistem ekonomi Islam diharapkan bisa menyelesaikan permasalahan yang ada pada kehidupan manusia tanpa melanggar ketentuan hukum syariat Allah SWT. Seiring dengan perkembangan zaman, saat ini telah banyak bermunculan lembaga keuangan yang berbasis Islam atau sering disebut lembaga keuangan syariah ditengah masyarakat. Tujuan dari pembahasan ini untuk mengetahui sejauh mana kesiapan lembaga keuangan syariah menghadapi Masyarakat Ekonomi Asean. Metode pembahasan dalam artikel ini menggunakan teknik analisis berdasarkan data dan referensi kepustakaan yang ada. 
THE INFLUENCE OF LITERACY MODERATION VARIABLES ON SAVING PREFERENCES IN ISLAMIC BANK (Case Study of Yogyakarta Islamic Bank Customers) Kolistiawan, Budi; Subagiyo, Rokhmat; Shomad VEA, Moh. Ali Abdul; Bachtiar, Jusuf
An-Nisbah: Jurnal Ekonomi Syariah Vol 11 No 1 (2024)
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v11i1.9104

Abstract

Abstrak: Tujuan penelitian ini adalah untuk menganalisis pengaruh variabel moderasi literasi terhadap preferensi menabung di bank syariah dengan mengembangkan theory of planned behavior. Penelitian ini menggunakan sampel 250 responden masyarakat Yogyakarta. Metodologi menggunakan metode kuantitatif berlandaskan pada filsafat positivism, digunakan untuk membuat generalisasi sampel dari populasi tertentu, pengumpulan data menggunakan instrumen penelitian kuesioner dengan alat ukur skala likert, analisis bersifat kuantitatif untuk menguji hipotesis yang telah ditetapkan. Metode analisis dalam penelitian ini menggunakan Structural Equation Modeling (SEM) yaitu analisa data yang menggambarkan hubungan struktural yang diekspresikan oleh seperangkat persamaan dengan menggunakan software SmartPLS 3.0. Hasil analisis menyatakan bahwa variabel sikap tidak berpengaruh terhadap niat perilaku preferensi menabung di bank syariah. Sedangkan variabel norma subjektif dan kontrol perilaku persepsian berpengaruh positif signifikan terhadap variabel niat perilaku preferensi menabung di bank syariah. Berdasarkan hasil penelitian ini juga menyatakan bahwa variabel literasi mampu memoderasi niat terhadap perilaku preferensi menabung di bank syariah. Kata kunci: TPB, Preferensi, Perilaku, Menabung, Bank Syariah Abstract: The aim of this research is to analyze the influence of the literacy moderating variable on savings preferences in Islamic banks by developing a theory of planned behavior. This research used a sample of 250 respondents from the people of Yogyakarta. The methodology uses quantitative methods based on the philosophy of positivism, used to generalize samples from certain populations, data collection uses questionnaire research instruments with Likert scale measuring instruments, quantitative analysis to test predetermined hypotheses. The analysis method in this research uses Structural Equation Modeling (SEM), namely data analysis that describes structural relationships expressed by a set of equations using SmartPLS 3.0 software. The results of the analysis state that the attitude variable has no effect on the behavioral intention of saving preferences in Islamic banks. Meanwhile, subjective norm variables and perceived behavioral control have a significant positive effect on the behavioral intention variable of saving preferences in Islamic banks. Based on the results of this research, it is also stated that the literacy variable is able to moderate intentions towards saving preference behavior in Islamic banks. Keywords: TPB, Preferences, Behavior, Savings, Islamic Banking
The Interplay of Financing Structures and Profitability in Islamic Banking: Does Asset Quality Moderate the Outcome? Budi Kolistiawan
Business and Applied Management Journal Vol. 3 No. 2 (2025)
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/bamj.v3i2.1642

Abstract

This study examines the effects of debt, equity, and lease financing, as well as the financing-to-deposit ratio (FDR), on return on equity (ROE), with non-performing financing (NPF) as a moderating variable in Islamic banking. The research fills a gap in previous studies that reported inconsistent findings regarding the impact of Islamic financing structures on profitability. A quantitative, associative research design with a time-series approach is employed, using 52 quarterly observations from 2011 to 2023 sourced from BCA Syariah financial reports and the Financial Services Authority (OJK). Data are analyzed through Moderated Regression Analysis (MRA) to assess both direct and moderating effects. The results indicate that debt financing negatively and significantly affects ROE, while equity financing has a positive and significant impact. Lease financing and FDR show no significant effect on ROE. NPF significantly influences ROE and moderates the relationship between FDR and ROE, but does not moderate the relationships with other financing variables. These findings provide empirical evidence on the role of financing risk in shaping profitability in Islamic banks, offering practical insights for bank managers and regulators in optimizing financing strategies while mitigating risk to enhance financial performance.
THE IMPACT OF THE FINANCING TO DEPOSIT RATIO AND CURRENT RATIO ON THE PROFITABILITY OF ISLAMIC BANKS: THE MODERATING ROLE OF NON-PERFORMING FINANCING Budi Kolistiawan; Agus Eko Sujianto; Dede Nurohman; Eka Ratna Glis Purnamasari; Hardining Estu Murdinar; Larasati Widoningtyas
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 2 (2026): April
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i2.702

Abstract

This study aims to examine the effect of the Financing to Deposit Ratio (FDR) and Current Ratio (CR) on the profitability of Sharia Commercial Banks in Indonesia, with Non-Performing Financing (NPF) serving as a moderating variable during the 2019–2023 period. The study is motivated by the relatively lower profitability performance of Islamic banking compared tho conventional banking. This research employs a quantitative approach with an associative research design. The study uses secondary data derived from the annual financial reports of six Sharia Commercial Banks registered with the Financial Services Authority (OJK) over a five-year period (2019–2023), resulting in 30 observations. The analysis incorporates lagged financial variables to capture the delayed effect of financial performance indicators on profitability. The results indicate that FDR has a negative but insignificant effect on profitability. In contrast, CR has a significant negative effect on profitability, suggesting that excessively high liquidity may suppress profit performance. NPF shows a negative and significant effect on profitability in the baseline model; however, its effect becomes insignificant in the moderated regression model. Furthermore, NPF weakens the relationship between FDR and profitability, indicating that higher financing risk reduces the effectiveness of financing distribution in generating profits. However, NPF does not moderate the relationship between CR and profitability, meaning that the fourth hypothesis (H4) is not empirically supported. These findings emphasize the importance of maintaining a balance between financing distribution and financing quality, as well as optimizing liquidity management to prevent idle funds. Effective control of NPF is essential for maintaining the stability and financial performance of Islamic banks. This study contributes to the Islamic banking literature by simultaneously examining the moderating role of NPF in the relationship between FDR, CR, and profitability using the most recent data from the 2019–2023 period and incorporating lagged variables to provide a more comprehensive understanding of profitability dynamics in Islamic banking in Indonesia.
Intervensi Variabel Gaya Hidup pada Layanan Grab Food dan Diskon Harga dalam Mempengaruhi Pola Konsumtif Masyarakat Ali Mauludi AC; Adhimas Priyoga; Budi Kolistiawan
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i6.11881

Abstract

This study aims to analyze the influence of GrabFood services and food price discounts on the consumption patterns of the Tulungagung community, with lifestyle as an intervening variable. The phenomenon of increasing use of food delivery applications such as GrabFood and the attraction of price discounts have changed people's shopping habits. Tulungagung, as one of the areas that also feels the impact of digitalization, shows a shift in consumption patterns. This study aims to analyze the influence of GrabFood services and food price discounts on the consumption patterns of the Tulungagung community, with lifestyle as an intervening variable. The phenomenon of increasing use of food delivery applications such as GrabFood and the attraction of price discounts have changed people's shopping habits. Tulungagung, as one of the areas that also feels the impact of digitalization, shows a shift in consumption patterns. This study aims to analyze the influence of GrabFood services and food price discounts on the consumption patterns of the Tulungagung community, with lifestyle as an intervening variable. The phenomenon of increasing use of food delivery applications such as GrabFood and the attraction of price discounts have changed people's shopping habits. Tulungagung, as one of the areas that also feels the impact of digitalization, shows a shift in consumption patterns Keywords: Grab Food Service, Price Discount, Lifestyle, Consumption Pattern
THE MOSQUE-BASED MEDIATION CORNER: PROMOTING EMPATHETIC AND INCLUSIVE DIALOGUE FOR SUSTAINABLE COMMUNITY HARMONY Iffatin Nur; Budi Kolistiawan; Reni Dwi Puspitasari; Intan Putri Fadillah
COMMUNITY : Jurnal Pengabdian Kepada Masyarakat Vol. 6 No. 2 (2026)
Publisher : Pusat Pengembangan Pendidikan dan Penelitian Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51878/community.v6i2.12010

Abstract

ABSTRACT Conflict is an inevitable part of plural societies and may threaten social harmony when not managed constructively. In Indonesia, the increasing number of cases brought before courts highlights the need for alternative dispute resolution mechanisms that are accessible, participatory, and rooted in local values. This study aims to explore the concept and implementation of a Mosque-Based Mediation Corner as a community peacebuilding model through the utilization of religious institutions. The research employed a qualitative approach using the Asset-Based Community Development (ABCD) framework to identify community assets and social potentials that support peaceful conflict resolution. The research stages included community asset identification, social capital mapping, community participation strengthening, and the implementation of the Mediation Corner at Baitul Hakim Mosque, UIN Sayyid Ali Rahmatullah Tulungagung. The findings reveal that the mosque’s spiritual authority, community trust, and human resource involvement constitute key social capital in establishing an inclusive and non-litigation mediation mechanism. The integration of Islamic values, including shūrā (consultation), ‘adl (justice), and ukhuwwah (brotherhood), promotes empathetic dialogue, prevents conflict escalation, and strengthens community social cohesion. This study concludes that the Mosque-Based Mediation Corner has significant potential as a sustainable community peacebuilding model and may serve as a replicable alternative dispute resolution mechanism in multicultural societies. ABSTRAK Konflik merupakan bagian yang tidak terpisahkan dari kehidupan masyarakat plural, namun berpotensi mengganggu keharmonisan sosial apabila tidak dikelola secara konstruktif. Di Indonesia, meningkatnya jumlah perkara yang diajukan ke pengadilan menunjukkan perlunya alternatif penyelesaian sengketa yang lebih mudah diakses, partisipatif, dan berbasis nilai-nilai lokal. Penelitian ini bertujuan mengeksplorasi konsep dan implementasi Pojok Mediasi Berbasis Masjid sebagai model penciptaan perdamaian komunitas melalui pemanfaatan institusi keagamaan. Penelitian menggunakan pendekatan kualitatif dengan kerangka Asset-Based Community Development (ABCD) untuk mengidentifikasi aset dan potensi sosial yang dimiliki komunitas masjid dalam mendukung penyelesaian konflik secara damai. Tahapan penelitian meliputi identifikasi aset komunitas, pemetaan modal sosial, penguatan partisipasi masyarakat, serta implementasi Pojok Mediasi di Masjid Baitul Hakim UIN Sayyid Ali Rahmatullah Tulungagung. Hasil penelitian menunjukkan bahwa otoritas spiritual masjid, kepercayaan masyarakat, serta keterlibatan sumber daya manusia menjadi modal utama dalam membangun mekanisme mediasi yang inklusif dan non-litigasi. Integrasi nilai-nilai Islam seperti shūrā (musyawarah), ‘adl (keadilan), dan ukhuwwah (persaudaraan) dalam proses mediasi terbukti mendorong dialog empatik, mencegah eskalasi konflik, serta memperkuat kohesi sosial masyarakat. Penelitian ini menyimpulkan bahwa Pojok Mediasi Berbasis Masjid memiliki potensi sebagai model perdamaian komunitas yang berkelanjutan dan dapat direplikasi sebagai alternatif penyelesaian sengketa dalam masyarakat multikultural.
Co-Authors Adhimas Priyoga Agus Eko Sujianto Ali Mauludi AC Ali Mauludi AC Dede Nurohman Eka Ratna Glis Purnamasari Hardining Estu Murdinar Iffatin Nur Indri Hadisiswati Intan Putri Fadillah Jusuf Bachtiar Larasati Widoningtyas Reni Dwi Puspitasari Rokhmat Subagiyo Shomad VEA, Moh. Ali Abdul