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All Journal Media Statistika Islamic Ecomonics Journal IJIBE (International Journal of Islamic Business Ethics) Jurnal Ekonomi Syariah Teori dan Terapan Journal of Islamic Economic Laws Al-Tsaqafa: Jurnal Ilmiah Peradaban Islam Ihtifaz: Journal of Islamic Economics, Finance, and Banking El-Barka: Journal of Islamic Economics and Business ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Journal of Islamic Economics and Philanthropy Etihad: Journal of Islamic Banking and Finance Velocity: Journal of Sharia Finance and Banking Journal of Islamic Economics Lariba EKOBIS SYARIAH Journal of Critical Realism in Socio-Economic (JOCRISE) Velocity: Journal of Sharia Finance and Banking Journal of Islamic Economic Laws
Rofiqo, Azidni
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Indonesian Policy on Muslim Friendly Tourism: Geopolitical Overview Yahya, Yuangga Kurnia; Uzair, Achmad; Rofiqo, Azidni
Journal of Critical Realism in Socio-Economics (JOCRISE) Vol. 1 No. 1 (2022): Critical Realism: Paradigm Shifts
Publisher : University of Darussalam Gontor Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (780.211 KB) | DOI: 10.21111/jocrise.v1i1.7

Abstract

This article attempts to analyze Indonesia's geopolitical policies in accommodating sharia-based economic and tourism policies. The object of this research is the policy around Muslim-Friendly Tourism (MFT). The tourism sector as one of the largest foreign exchange earners for Indonesia accommodates tourism trends in Muslim-populated countries. This study attempts to analyze the relationship between tourism and Indonesia's international geopolitical policies that involve religious elements, both in macro and micro level. In this study, the researchers found that at the macro level, the government at the national and regional levels provides policies and regulations related to the management and development of MFT. This is driven by phenomena at the micro level related to economic and socio-political aspects. The economic aspect which is dominated by the trend of consumerism of halal products and the socio-political aspect which is dominated by the spirit of Islamic populism in some areas needs to be accommodated by government regulations as a strategy to strengthen the integrity and sovereignty of the nation.
THE INFLUENCE OF SHARIA BANKING CHARACTERISTICS AND MACROECONOMICS FACTORS ON SHARIA BANKING PROFITABILITY: EMPIRICAL STUDIES IN INDONESIA Rofiqo, Azidni; Afrianti, Noni
IJIBE (International Journal of Islamic Business Ethics) Vol 4, No 1 (2019): March 2019
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.4.1.540-550

Abstract

The problem in this research is the unimmunity of teacher performance of SD Negeri in Mejobo District Kudus Regency. The purpose of this study is to analyze and to know the influence of Islamic Leadership on Teacher Performance through Teacher Competence and Quality of Work Life of Elementary School Teachers. The population of this research is all elementary school teachers from 3 villages in Mejobo District Kudus Regency as many as 129 people. This study used 100 teachers as a sample with Purposive Random Sampling. Datas were obtained from questionnaires and interviews. Data analysis using SPSS 16.0 and Eviews 9. The result of this research is Islamic Leadership, Teacher Competence, and Quality of Work Life positively influence to Teacher Performance. Based on data analysis only Quality of Work Life on Teacher Performance which has no significant effect. Teacher competence and Quality of Work Life can not be considered as intervening variable in this research.
Can the Halal and CHSE Certificate Improve the Intention Visit to the Restaurant?: Empirical Studies in Halal Restaurant in Tourism Area Lombok Island rofiqo, azidni; Humaidi, Muchtim
El-Barka Journal of Islamic Economics and Business Vol. 7 No. 2 (2024)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v7i2.7083

Abstract

This study aims to investigate the effect of CHSE and Halal certification on tourist intentions to visit halal restaurants in the halal tourism area of Lombok Island. It is crucial as it represents the first comprehensive investigation into the interaction between CHSE certification and halal certification in the context of behavioral studies. This study uses a quantitative approach, namely the structural equation model-partial least square with a Likert scale survey with a total of 100 Muslim tourists as respondents. The findings of this study indicate that CHSE certification does not exert a direct influence on intention; however, it does impact intention indirectly through the mediation of trust. In contrast, halal certification demonstrates a significant positive effect on tourist intentions, both directly and indirectly, with trust serving as a mediating variable. This research recommends that the government continue promoting CHSE and halal certification among halal tourism entrepreneurs. Additionally, given the limited sample size of respondents in this study, future research should aim to encompass a broader demographic across Indonesia.
The Effect of Macroeconomic Variables on the Profitability of Islamic Commercial Banks in Indonesia Huda, Miftahul; Rofiqo, Azidni; Abdul Razak, Abdurrizqi Bin; Nabila, Fikriyyatun
Islamic Economics Journal Vol. 10 No. 2 (2024)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v10i2.11759

Abstract

Islamic banks as a form of banking that operates based on sharia principles, are expected to show superior financial performance when compared to interest-based conventional banks. This study aims to determine the effect of inflation, JUB, and PUAS on the profitability of Indonesian Islamic Commercial Banks. The method used in this research is a deductive quantitative method, with the Vector Autoregressive (VAR) Vector Error Correction Model (VECM) approach and the E-Views 12 test tool. The data used in this study used secondary data with time series data from the period January 2013 to April 2023, where ROA was used as an independent variable and Inflation, Money Supply, and Islamic Interbank Money Market became the dependent variable. As for the results of this study, in the long term, the variables of Inflation and JUB have a significant and negative effect on the Return on Assets (ROA) of Indonesian Islamic Commercial Banks, while the Islamic Interbank Money Market (PUAS) variable does not have a significant and negative effect on the Return on Assets (ROA) of Indonesian Islamic Commercial Banks. In the short term, the variables of Inflation, Money Supply (JUB), and the Islamic Interbank Money Market (PUAS) do not have a significant and negative influence on the Return on Assets (ROA) of Indonesian Islamic Commercial Banks.
THE INFLUENCE OF ISLAMIC RELIGIOSITY, ONLINE CUSTOMER REVIEWS, AND EASE OF SHOPPING ON CONSUMER PURCHASE DECISIONS THROUGH THE SHOPEE MARKETPLACE Rofiqo, Azidni; Latif, Abdul; Khoiruddin, Irfan
EKOBIS SYARIAH Vol 8, No 2 (2024)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v8i2.23319

Abstract

This quantitative research discusses e-commerce in relation to online customer reviews and ease of shopping and its influence on purchasing decisions through Shopee e-commerce. This study aims to analyze the influence of Islamic religiosity, online customer reviews, and ease of shopping on customer purchase decisions on the Shopee Marketplace. The analysis method used was multiple linear regression using IBM SPSS 23 software. Primary data is obtained through the distribution of questionnaires to respondents who are active users of Shopee. The research sample consisted of the number of respondents determined by the slovin method, taken from shopee online customer data La Tansa Bookstore and Stationery. The results of the study according to the partial test (t), the Islamic Religiosity variable did not affect the purchase decision through shopee e-commerce La Tansa Bookstore and Stationery on the results of the multiple regression test. Conversely, both Online Customer Reviews and Ease of Shopping have a positive impact on purchasing decisions through shopee e-commerce La Tansa Bookstore and Stationery. The test results showed that 73.7% was accounted for by the dependent variables, indicating a significant influence on the Independent variables
Pengaruh Kualitas Pelayanan Terhadap Loyalitas dengan Kepercayaan dan Kepuasan Sebagai Variabel Mediator Bank Syariah di Ponorogo Rofiqo, Azidni; Addinata, Vydika Harya; Sari, Diyan Novita
Etihad: Journal of Islamic Banking and Finance Vol. 1 No. 1 (2021)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (915.939 KB) | DOI: 10.21154/etihad.v1i1.2732

Abstract

This study tested the effect of service quality on sharia bank customer loyalty in Ponorogo mediated by customer trust and satisfaction. During the covid-19 pandemic, many customers withdraw their money in sharia banks and conventional banks. The novelty of this research in the form of trust and satisfaction that is used as a mediator variable between the quality of service and customer loyalty, similar research has never been done. This research is quantitative with structural equation modelling method, with a total of 60 samples consisting of teachers at Pondok Modern Darussalam Gontor campus 2 Madusari Ponorogo. The findings in this study shows that the service quality has a positive effect on trust and satisfaction, satisfaction is a mediator between the service quality and loyalty, while trust is not a mediator variable between the service quality and the loyalty of customers in sharia banking. Further research is expected to further examine the role of customer satisfaction in maintaining the loyalty of sharia bank customers.Penelitian ini menguji pengaruh kualitas layanan terhadap loyalitas nasabah bank syariah di Ponorogo yang dimediasi oleh kepercayaan dan kepuasan nasabah. Pada masa pandemi covid-19 nasabah banyak yang menarik uangnya di bank syariah maupun bank konvensional. Kebaruan dari penelitian ini berupa kepercayaan dan kepuasan yang dijadikan sebagai variabel mediator antara kualitas layanan dan loyalitas nasabah, penelitian serupa belum pernah dilakukan. Penelitian ini berjenis kuantitatif dengan metode structural equation modelling, dengan jumlah sampel sebanyak 60 yang terdiri dari guru pada Pondok Modern Darussalam Gontor kampus 2 Madusari Ponorogo. Temuan pada penelitian ini menunjukkan bahwa kualitas layanan berpengaruh positif pada kepercayaan dan kepuasan, kepuasan merupakan media antara kualitas layanan dan loyalitas, sedangkan kepercayaan bukan merupakan variabel mediasi antara kualitas layanan dan loyalitas nasabah bank syariah. Penelitian selanjutnya diharpkan meneliti lebih jauh peranan kepuasan nasabah dalam menjaga loyalitas nasabah bank syariah.
Tingkat Kesehatan Perbankan Syariah di Indonesia: Studi Komparatif Menggunakan Metode CAMEL Taufiq, Imam; Rofiqo, Azidni
Etihad: Journal of Islamic Banking and Finance Vol. 2 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v2i1.3949

Abstract

As an intermediary institution, Islamic banks are required to always maintain the health of the bank. One way to measure the soundness of a bank by Bank Indonesia regulations is CAMEL. The financial ratios used in the CAMEL method are Capital, Assets, Management, Earnings, and Liquidity. This study aims to determine the soundness of Islamic banking in 2019, and the role of Regulators (Financial Services Authority and Sharia Supervisory Board) in improving bank health. The results of the study show: a) that of the 7 Sharia commercial banks in Indonesia, 3 are in the HEALTHY category, namely Bank Mandiri Syariah, Bank BNI Syariah, and Bank BTPN Syariah. 1 Bank is included in the ENOUGH HEALTHY category, namely Bank BJB Syariah. 2 Banks are in the UNHEALTHY category, namely Bank Bukopin Syariah and Panin Dubai Syariah, and 1 bank is included in the UNHEALTHY category, namely Bank BRI Syariah. b) In supervising and improving bank soundness, OJK has the following authorities: 1) Liquidity, profitability, solvency, asset quality, minimum capital adequacy ratio, maximum lending limit, loan to deposit ratio, and bank reserves, 2) related bank statements with bank health and performance, 3) debtor information system, 4) credit testing; and 5) Bank accounting standards. c) The role of DPS in improving the health of non-financial banks includes: ex-ante auditing, post ante auditing, and calculation and payment of zakat.Sebagai lembaga intermediary, bank Syariah wajib untuk selalu menjaga tingkat kesehatan bank. Salah satu metode untuk mengukur tingkat kesehatan Bank sesuai dengan ketentuan Bank Indonesia adalah CAMEL. Rasio keuangan yang digunakan dalam metode CAMEL, yaitu : Capital, Assets, Management, Earnings, dan Liquidity. Penelitian ini bertujuan untuk mengetahui tingkat kesehatan perbankan Syariah pada tahun 2019, dan peran Regulator (Otoritas Jasa Keuangan dan Dewan Pengawas Syariah) untuk meningkatkan kesehatan bank. Hasil penelitian menunjukkan : a) bahwa dari 7 bank umum Syariah yang ada di Indonesia, 3 masuk dalam kategori SEHAT yaitu Bank Syariah Mandiri, Bank BNI Syariah, dan Bank BTPN Syariah. 1 Bank masuk dalam kategori CUKUP SEHAT yaitu Bank BJB Syariah. 2 Bank masuk dalam kategori KURANG SEHAT yaitu Bank Bukopin Syariah dan Panin Dubai Syariah, dan 1 bank masuk dalam kategori TIDAK SEHAT yaitu Bank BRI Syariah. b) Dalam pengawasan dan peningkatan kesehatan bank, OJK memiliki wewenang yaitu : 1) Likuiditas, rentabilitas, solvabilitas, kualitas aset, rasio kecukupan modal minimum, batas maksimum pemberian kredit, rasio pinjaman terhadap simpanan, dan pencadangan bank, 2) Laporan bank yang terkait dengan kesehatan dan kinerja bank, 3) Sistem informasi debitur, 4) Pengujian kredit (credit testing); dan 5) Standar akuntansi bank. c) Peran DPS dalam peningkatan kesehatan bank non financial antara lain : ex ante auditing, post ante auditing, dan penghitungan dan pembayaran zakat.
Factors that Influence to Costumers Sharia Bank Loyalty: An Empirical Study of Students at Universitas Darussalam Gontor Ponorogo Rofiqo, Azidni; Wicaksana, Febrian Arif; Abd Razak, Abdurrizqi Bin
Etihad: Journal of Islamic Banking and Finance Vol. 3 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v3i2.7774

Abstract

Introduction: The purpose of this research is to predict customer satisfaction, customer perceived value, and customer Islamic religiosity on Sharia bank customer loyalty. Research Methods: The research used a quantitative approach with 140 respondents who were Sharia bank customers, specifically students at Universitas Darussalam Gontor, Ponorogo. A Likert scale of 1-5 was employed for measurement, and partial least squares”“structural equation modeling was used to analyze the data. Results: The results of this research demonstrate that customer satisfaction, perceived value, and Islamic religiosity have a significantly positive impact on Sharia bank customer loyalty. Conclusion: To build and maintain customer loyalty, Islamic banks must leverage customer satisfaction, value, and religiosity by offering a variety of Sharia-based products and services that truly differentiate them from conventional banks.
DETERMINANTS OF SHARIA BANKING PROFITABILITY: Empirical Studies in Indonesia 2011-2020 Rizal, Fitra; Rofiqo, Azidni
El Barka Vol. 3 No. 1 (2020)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v3i1.2051

Abstract

This study aims to examine the effect of sharia banking characteristics such as Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Operating Expenses to Operations Revenue (BOPO) on Return on Assets (ROA). The data used in this study are secondary data obtained from Sharia Banking Statistics published by the Financial Services Authority (OJK) with Purposive Sampling Techniques in 14 Sharia Banks in Indonesia for the period 2011-2020. The analysis technique used is multiple linear regression. The analysis shows that the CAR, NPF, BOPO variables significantly influence ROA, but FDR has no effect on ROA. The predictive ability of 4 independent variables (CAR, FDR, NPF and BOPO) to the dependent variable (ROA) is 86.5%, while 13.5% is influenced by other variables not mentioned in this study.Penelitian ini bertujuan untuk menguji pengaruh karakteristik perbankan syariah seperti Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Operating Expenses to Operations Revenue (BOPO) terhadap Return on Asset (ROA). Data yang digunakan dalam penelitian ini adalah data sekunder yang diperoleh dari Statistik Perbankan Syariah yang dipublikasikan oleh Otoritas Jasa Keuangan (OJK) dengan Teknik Purposive Sampling di 14 Bank Syariah di Indonesia periode 2011-2020. Teknik analisis yang digunakan adalah regresi linier berganda. Hasil analisis menunjukkan bahwa variabel CAR, NPF, BOPO berpengaruh signifikan  terhadap ROA, tetapi FDR tidak berpengaruh terhadap ROA. Kemampuan prediksi 4 variabel independen (CAR, FDR, NPF dan BOPO) terhadap variabel dependen (ROA) adalah 86,5%, sedangkan 13,5% dipengaruhi oleh variabel lain yang tidak disebutkan dalam penelitian ini.
Reputation, Transparency, Trust and Waqif’s Perception on Nadzir’s Professional Towards Intention to Act Waqf: Empirical Study in Pondok Modern Darussalam Gontor (PMDG) Rofiqo, Azidni; Muslih, Mohammad; Sari, Diyan Novita
Journal of Islamic Economic Laws Vol 4, No 2: July 2021
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v4i2.14870

Abstract

This study aims to explore the reputation, transparency, trust, waqif perception of nadzir’s professionalism, and the intention to pay waqf in Gontor Institution. This study based on the theory of planned behavior (TPB) which examines the effect of reputation, transparency, trust toward waqif perception of Nadzir’s professionalism and intention to pay waqf. The approach this study is a quantitative approach with structural equation modeling-partial least square (SEM-PLS) measurements. The number of respondents 200 alumni of the Pondok Modern Darussalam Gontor. The findings in this study indicate that reputation, transparency, trust have a significant positive effect on the intention to pay waqf at Pondok Modern Darussalam Gontor with the waqif’s perception of nadzir’s professionalism as mediating effect. Other findings indicate that trust as moderating effect between reputation and waqif perception of nadzir’s professional.
Co-Authors Abd Razak, Abdurrizqi Bin Abdul Hamid Abdul Latif Abdul Razak, Abdurrizqi Bin Abdulmana, Sahidan Abdurrizqi Bin Abd Razak Achmad Rizal Addinata, Vydika Harya Afrianti, Noni Ahmad Suminto Ainul Zamarkasi Amimah Oktarina Asadillah Irsyad Maulana Damayanti, Elok Daud Sukoco Diyan Novita Sari Diyan Novita Sari Diyan Novita Sari Eka Pariyanti Fajri, Mohammad Zen Nasrudin Febrian Arif Wicaksana Humaidi, Muchtim Imam Taufiq Imam Taufiq Imam Wahyu Indriawan Khoiruddin, Irfan M. Ali Ramadhan Mahfud Sholihin Miftahul Huda Moh Harman Eko Santoso Mohammad Muslih Muhammad Burhanuddin Nabila, Fikriyyatun Raditya Hasan Rahmani Timorita Yulianti Rizal, Fitra Rizqon, Abdul Latif Sari, Diyan Novita Susilo, Adib . Syafiq Mahmadah Hanafi Tri Wijayanti Septiarini Uzair, Achmad Yahya, Yuangga Kurnia