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All Journal Islamic Banking and Finance TIJAROTANA : Jurnal Ekonomi dan Bisnis Syariah ISTIFADA : Jurnal Ekonomi dan Lembaga Keuangan Syariah IFADAH : Jurnal Ekonomi dan Manajemen Syariah
Jafar shiddiq
STIES Babussalam Jombang
Religion Economics, Econometrics & Finance

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TINGKAT LITERASI EKONOMI SYARIAH DI KALANGAN MAHASISWA: STUDI PADA PARTISIPASI KEGIATAN EKONOMI Kevin Maulana; Rakhmawan Habibi; Jafar shiddiq
TIJAROTANA : Jurnal Ekonomi Dan Bisnis Syariah Vol 6 No 02 (2025): Tijatorana : Jurnal Ekonomi dan Bisnis
Publisher : TIJAROTANA : Jurnal Ekonomi dan Bisnis Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/tj.v6i02.103

Abstract

Penelitian ini bertujuan untuk menganalisis tingkat pengetahuan, pemahaman, dan penguasaan mahasiswa terhadap ilmu ekonomi syariah serta sejauh mana penerapannya dilakukan secara baik dan benar. Penelitian ini juga menyoroti hubungan antara pembelajaran ekonomi syariah di kelas dengan implementasi nilai-nilainya dalam sikap dan perilaku mahasiswa ketika beraktivitas ekonomi. Permasalahan yang ditemukan di STIES Babussalam menunjukkan adanya perbedaan antara materi ekonomi syariah yang dipelajari di kelas dan tindakan ekonomi mahasiswa, meskipun mereka memiliki Indeks Prestasi Kumulatif (IPK) yang tinggi. Hal ini mengindikasikan adanya kendala pada tingkat literasi ekonomi syariah mahasiswa. Oleh karena itu, tujuan penelitian ini adalah untuk mengevaluasi pemahaman dan pengetahuan mahasiswa ekonomi syariah serta menilai kemampuan mereka dalam menerapkan ilmu tersebut dalam aktivitas ekonomi sehari-hari. Penelitian ini menggunakan metode kualitatif dengan pendekatan fenomenologi. Data dikumpulkan melalui wawancara dan observasi, yang bersumber dari data primer dan sekunder. Hasil penelitian menunjukkan bahwa mahasiswa ekonomi syariah kelas A semester tiga telah menguasai materi ekonomi syariah dengan baik, sebagaimana dibuktikan oleh nilai rata-rata di atas 3,50. Selain itu, mahasiswa mampu memanfaatkan ilmu yang diperoleh untuk keperluan teknis dan berhasil mengimplementasikannya dalam kehidupan nyata sesuai dengan pengetahuan dan pemahaman yang dimiliki.
Optimalisasi Insentif Pajak Terhadap Instrumen Sukuk Ijarah Dalam Pengembangan Pasar Modal Syariah Indonesia Nur Laily Hidayati; Zakiyyah Ilma Ahmad; Kevin Maulana; Jafar Shiddiq
Islamic Banking and Finance Vol. 6 No. 1 (2026)
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v6i1.6100

Abstract

This study aims to analyze the effectiveness of tax incentives on the development of Sukuk Ijarah in Indonesia, specifically during the 2023–2024 observation period. Sukuk Ijarah, as a key instrument in the Islamic capital market, still faces the challenge of potential double taxation due to the application of VAT and income tax on the underlying asset, which may reduce its competitiveness compared to conventional bonds. This study uses a qualitative descriptive method utilizing secondary data sourced from issuer reports, Financial Services Authority (OJK) publications, and applicable tax regulations for the 2023–2024 period. The analysis focuses on evaluating the tax incentive policies provided by the government and their impact on issuer and investor interest in Sukuk Ijarah issuance. The results indicate that despite an increasing trend in sukuk issuance during the study period, the effectiveness of tax incentives has not been fully optimized. The main obstacles lie in the complexity of administrative procedures, limited access to tax facilities, and the lack of specific outreach regarding the tax treatment of Islamic financial instruments. These conditions have resulted in the benefits of tax incentives not being felt evenly by market participants. Therefore, efforts are needed to simplify regulations and increase legal certainty so that the tax burden on Sukuk Ijarah can be equivalent to conventional bonds, so that the principles of fairness and tax neutrality in the national taxation system can be realized.
KONTRIBUSI PERBANKAN SYARIAH DALAM MENDUKUNG EKONOMI HALAL NASIONAL Rakhmawan Habibi; Jafar Shiddiq; Zakiyya Ilma Ahmad
ISTIFADA : Jurnal Ekonomi dan Lembaga Keuangan Syariah Vol. 1 No. 02 (2025): ISTIFADA : Jurnal Ekonomi Dan Lembaga Keuangan Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/istifada.v1i02.141

Abstract

Ekonomi halal telah menjadi kekuatan ekonomi global baru, dan Indonesia, dengan populasi Muslim terbesar di dunia, memiliki potensi luar biasa untuk menjadi pemimpin dalam industri ini. Perbankan syariah, sebagai pilar utama dalam ekosistem keuangan syariah, memegang peranan strategis dalam mengakselerasi pertumbuhan ekonomi halal nasional. Penelitian ini bertujuan untuk menganalisis secara mendalam kontribusi perbankan syariah dalam mendukung berbagai sektor ekonomi halal di Indonesia serta mengidentifikasi tantangan dan peluang yang dihadapinya. Dengan menggunakan pendekatan kualitatif deskriptif melalui studi literatur dan analisis data sekunder dari lembaga otoritatif seperti Otoritas Jasa Keuangan (OJK), Bank Indonesia (BI), dan Komite Nasional Ekonomi dan Keuangan Syariah (KNEKS), penelitian ini menemukan bahwa kontribusi perbankan syariah termanifestasi dalam tiga area utama: (1) penyaluran pembiayaan ke sektor-sektor halal prioritas seperti makanan, fashion, dan pariwisata; (2) inovasi produk dan layanan keuangan yang terintegrasi dengan ekosistem halal digital; dan (3) peningkatan inklusi keuangan syariah bagi Usaha Mikro, Kecil, dan Menengah (UMKM) halal. Namun, kontribusi ini belum optimal akibat tantangan signifikan, termasuk tingkat literasi keuangan syariah yang masih rendah, keterbatasan akses pembiayaan bagi UMKM, dan regulasi yang belum sepenuhnya terintegrasi. Peluang besar terletak pada dukungan pemerintah melalui Masterplan Ekonomi Syariah Indonesia (MEKSI), pertumbuhan pasar halal global, dan kolaborasi sinergis dengan teknologi finansial (fintech) syariah. Penelitian ini merekomendasikan penguatan peran intermediasi bank syariah bagi UMKM halal, peningkatan kolaborasi antar pemangku kepentingan, dan intensifikasi program literasi keuangan syariah yang inovatif
The Impact of the Financial Sector Development and Strengthening Law (UUP2SK) on the Supervision of Islamic Microfinance Institutions Muhammad Farid Al-Azhar; Ahmad Zainul Abidin; Jafar Shiddiq; Syafiul Umam
ISTIFADA : Jurnal Ekonomi dan Lembaga Keuangan Syariah Vol. 2 No. 01 (2026): ISTIFADA : Jurnal Ekonomi Dan Lembaga Keuangan Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/istifada.v2i01.207

Abstract

Islamic Microfinance Institutions (LMKS) play a crucial role in Indonesia's inclusive financial architecture, serving as a bridge for millions of unbanked and underbanked individuals to access Sharia-compliant financial products. However, their effectiveness and sustainability are often hampered by decades of dualism and fragmentation in the supervisory system. The enactment of Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector (UUP2SK) marks a fundamental turning point in Indonesia's financial sector supervisory architecture, including for LMKS. This study aims to comprehensively and in-depth analyze the impact of UUP2SK on the LMKS supervisory system. Using normative juridical research methods and a comparative approach, this study examines the shifting regulatory paradigm, shifting institutional authority, and the resulting multi-layered impacts on LMKS governance, risk management, and operations. The results show that UUP2SK significantly changes the supervisory landscape by shifting licensing and supervisory authority for cooperatives operating in the financial services sector, including the majority of LMKS, from the Ministry of Cooperatives and SMEs to the Financial Services Authority (OJK). This change introduces a new supervisory regime based on a risk -based supervision approach , the application of prudential principles, and increased demands for good corporate governance and strengthened consumer protection. While this reform promises long-term stability and increased public trust, its implementation faces multidimensional challenges related to the readiness of human resources on the regulatory and industry sides, technological infrastructure gaps, and the potential for increased compliance costs that could burden small-scale financial institutions (LMKS). This study recommends a proportional and adaptive implementation strategy, as well as collaborative synergy between regulators, industry associations, and academics to ensure an effective supervisory transition without harming the social mission and operational flexibility that are the core strengths of LMKS
Analysis Netizen Sentiment towards Corporate Social Responsibility (CSR) of Bank Syariah Indonesia (BSI) on Social Media Using Machine Learning Algorithms Nur Laily Hidayati; Jafar Shiddiq; Muhammad Khoirun Nasirin
ISTIFADA : Jurnal Ekonomi dan Lembaga Keuangan Syariah Vol. 2 No. 02 (2026): ISTIFADA : Jurnal Ekonomi Dan Lembaga Keuangan Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The development of social media has change method public assess and respond implementation of Corporate Social Responsibility (CSR) by institutions financial sector , including Bank Syariah Indonesia (BSI). Opinions expressed by netizens through various social media platforms reflect level acceptance , satisfaction , and expectation public on the CSR programs being implemented . Research This aim For analyze netizen sentiment towards Implementation of CSR of Bank Syariah Indonesia (BSI) on social media use algorithm machine learning , at the same time identify most topics​ get attention public . Research use approach quantitative with method analysis sentiment based text mining . Data obtained through the web scraping process from social media platforms that contain keywords related to BSI CSR during period observation certain . Stages study covering data collection , pre-processing text (case folding, tokenization, stopword removal, stemming), labeling sentiment , extraction feature use Term Frequency-Inverse Document Frequency (TF-IDF), as well as classification use algorithm Support Vector Machine (SVM), Naïve Bayes , and Random Forest . Model performance was evaluated use metric accuracy , precision , recall , and F1-score . Research results show that majority netizen sentiment towards BSI's CSR program is positive by 68.4%, followed by sentiment neutral by 18.7%, and sentiment negative by 12.9%. The SVM algorithm provides performance best with level accuracy of 92.4%, surpassing Naïve Bayes (88.6%) and Random Forest (90.8%) . Keyword analysis show that issue education , empowerment of MSMEs, assistance social , conservation environment and sustainability become the most topics appreciated public . On the contrary , sentiment negative more Lots triggered by perception about lack of program equity , transparency reporting , and effectiveness implementation in several regions. Findings study show that analysis sentiment based machine learning capable become instrument effective evaluation​ in measure perception public in real-time, so that can support taking decision BSI 's strategic increase quality , transparency , and sustainability of aligned CSR programs with principle maqashid sharia and sustainable finance
PEMBERDAYAAN PEMBANGUNAN GEDUNG PONDOK PESANTREN BABUSSALAM DALAM MENINGKATKAN KESEJAHTERAAN MASYARAKAT KALIBENING MOJOAGUNG JOMBANG Kevin Maulana; Jafar Shiddiq; Mohamad Nur Husen; Muhammad Syafi'i Budi Santoso; Dimyati Dimyati
IFADAH : Jurnal Ekonomi Dan Bisnis Syariah Vol 1 No 02 (2025): IFADAH : Jurnal Ekonomi Manajemen Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/ifadah.v1i02.161

Abstract

Penelitian ini bertujuan untuk menganalisis proses pemberdayaan pembangunan gedung di Pondok Pesantren Babussalam serta dampaknya terhadap kesejahteraan masyarakat di Kalibening Mojoagung, Jombang. Metode penelitian yang digunakan adalah pendekatan campuran, yaitu kuantitatif dan kualitatif, dengan desain penelitian studi kasus. Teknik pengumpulan data meliputi wawancara, observasi, studi dokumentasi, dan kuesioner. Hasil penelitian menunjukkan bahwa pembangunan gedung pesantren telah meningkatkan kualitas pendidikan melalui fasilitas yang lebih memadai, mendukung partisipasi sosial masyarakat, serta memberikan dampak positif terhadap perekonomian lokal. Selain itu, analisis SWOT mengidentifikasi kekuatan, kelemahan, peluang, dan ancaman yang terkait dengan pemberdayaan masyarakat melalui pesantren. Temuan ini menjadi landasan bagi pihak pesantren dan pembuat kebijakan dalam merumuskan strategi pemberdayaan yang lebih efektif di masa depan.
Co-Authors Ahmad Zainul Abidin Ahmad, Zakiyyah Ilma Dimyati Dimyati Kevin Maulana Kevin Maulana Mohamad Nur Husen Muhammad Farid Al-Azhar Muhammad Khoirun Nasirin Muhammad Syafi'i Budi Santoso Nur Laily Hidayati Rakhmawan Habibi Syafiul Umam Zakiyya Ilma Ahmad