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The Efficiency of Islamic Banks in the Middle East and Southeast Asia: Stochastic Frontier Approach Adawiyah, Robi'atul; Suhel, Suhel; Syathiri, Ahmad
EQUILIBRIUM Vol 11, No 2 (2023): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v11i2.23224

This research aims to compare and analyze the efficiency of Islamic banking in Southeast Asia and the Middle East by examining particular inputs such as third-party funds, operational expenses, labor costs, and return on assets, focusing on financing as the output. This quantitative study uses a purposive sampling technique to sample 30 sharia banks from Southeast Asia and 30 sharia banks from the Middle East from 2015 to 2022. The data used is secondary data from BankFocus and the annual financial reports of each bank. Data was processed using the Frontier 4.1 application with the Stochastic Frontier Analysis method. The results of this research show that the efficiency of sharia banking in the Middle East is higher than sharia banking in Southeast Asia. On the other hand, the return on assets has no impact on financing, but the input of third-party funds, operational expenses, and labor costs all have an impact. These findings show the importance of efficiently supervising the management of third-party funds and costs incurred by banks in order to improve banking performance. Hence, this will ultimately lead to an increase in the efficiency of sharia banking and a growth of banking profits.

Analisis Motivasi Kinerja Karyawan PT. Kelola Mina Laut Gresik Adawiyah, Robi'atul; Kurniawan, Aries
Reslaj : Religion Education Social Laa Roiba Journal Vol 6 No 3 (2024): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v6i3.5602

This research aims to analyze the motivational factors that influence employee performance at PT Kelola Mina Laut Gresik. The research method uses a qualitative approach with data collection through interviews. The research sample consisted of 20 respondents who were employees from various company divisions. The analysis results show that intrinsic motivation, such as recognition, responsibility, and opportunities for development, has a significant positive impact on employee performance. Apart from that, extrinsic factors such as financial incentives and work environment also have a strong influence on performance. These findings illustrate the importance of paying attention to aspects of intrinsic and extrinsic motivation in improving employee performance at PT Kelola Mina Laut Gresik. The practical implication of this research is the need for companies to pay attention to the recognition system for achievements, provide appropriate incentives, and create a work environment that supports employee development. This research contributes to company management in designing more effective motivation strategies to improve employee performance, which in turn can have a positive impact on productivity and work quality at PT Kelola Mina Laut Gresik.

The Efficiency of Islamic Banks in the Middle East and Southeast Asia: Stochastic Frontier Approach Adawiyah, Robi'atul; Suhel, Suhel; Syathiri, Ahmad
EQUILIBRIUM Vol 11, No 2 (2023): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v11i2.23224

This research aims to compare and analyze the efficiency of Islamic banking in Southeast Asia and the Middle East by examining particular inputs such as third-party funds, operational expenses, labor costs, and return on assets, focusing on financing as the output. This quantitative study uses a purposive sampling technique to sample 30 sharia banks from Southeast Asia and 30 sharia banks from the Middle East from 2015 to 2022. The data used is secondary data from BankFocus and the annual financial reports of each bank. Data was processed using the Frontier 4.1 application with the Stochastic Frontier Analysis method. The results of this research show that the efficiency of sharia banking in the Middle East is higher than sharia banking in Southeast Asia. On the other hand, the return on assets has no impact on financing, but the input of third-party funds, operational expenses, and labor costs all have an impact. These findings show the importance of efficiently supervising the management of third-party funds and costs incurred by banks in order to improve banking performance. Hence, this will ultimately lead to an increase in the efficiency of sharia banking and a growth of banking profits.

Prioritizing Restorative Justice in the Settlement of the Sumbang Besak Adultery Case in Babeko Village, Jambi Fitri Habi, Nuraida; Adawiyah, Robi'atul; Harun, Hermanto; Kurniawan, Ardian; Roni, Rusli Abdul
El-Mashlahah Vol 14, No 2 (2024)
Publisher : Sharia Faculty of State Islamic Institute (IAIN) Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/el-mashlahah.v14i2.8030

This research examined resolving customary violations of sumbang besak in Babeko Village, Jambi, by prioritizing restorative values in customary law. Research in the context of this social realm tried to look at customary law as a whole, whether it is still regressive or is influenced by the significance of restorative discourse, which has been progressive. The aim of this research was not only to find out the mechanism for resolving conflicts and imposing punishment but also to look at the role and concept of traditional law in Babeko Village restoring disturbed relationships. Using empirical research methods and an anthropological juridical approach, data was collected through interviews with traditional leaders, observations of traditional communities, and documentation and review of related literature. The findings of this research find out the strength of the Babeko Village customary legal system, which has successfully implemented a restorative approach by prioritizing the recovery of victims, violators, and affected communities. Prioritizing dialogue and reconciliation is important in resolving cases, to produce fair and sustainable results. This concept can then become a reference in the development of the national legal system, specifically in alternative dispute resolution models.

Pengembangan Buku Ajar IPS SD Tentang Tokoh–Tokoh Islam Pada Peristiwa Proklamasi Kemerdekaan Adawiyah, Robi'atul; Nataria Wahyuning Subayani; Nanang Khoirul Umam
JANACITTA Vol. 7 No. 1 (2024)
Publisher : Universitas Ngudi Waluyo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35473/jnctt.v7i1.3057

The purpose of this study is to develop the teaching book of important moeslim figures during the proclamation of indepence in MIS Al-Islami Tiremenggal, during the school year 2022/2023. The model of development used inthis study is the developing mode ADDIE, which consists of five stages which are Analysis, Design, Development, Implementation,and Evaluation. The subject used for this study are students in fifth grade in MIS Al-Islami. The data was gatheres for this study by using validation paper from a linguist, material or content expert, and graphic artist along wit questionnaire sheets for students responses. Based on the result of linguist data analysis that is developed are on very valid criteria with a score of 94,44%. The result of the material analysis that is developed are on very valis criteria with a score 90,91%. The developed data of graphic artist data analysis resulted on very valid criteria with a score 97,53%. The testing conducted by the expert resulted with a score of 92,16% on very good criteria. The result of the development of the teaching book of important moeslim figures during the proclamation of independence using the ADDIE model is concluded on very valid and very good criteria. Abstrak Penelitian ini bertujuan untuk mengembangkan buku ajar tokoh-tokoh islam pada peristiwa proklamasi kemerdekaan di MIS Al-Islami Tiremenggal tahun ajaran 2022/2023. Model pengembangan yang digunakan dalam penelitian ini adalah model pengembangan ADDIE yang terdiri dari lima tahapan yaitu Analysis, Design, Development, Implementation, dan Evaluation. Subjek pada penelitian ini adalah peserta didik kelas V MIS Al-Islami Tiremenggal. Teknik pengumpulan data pada penelitian menggunakan lembar validasi dari ahli bahasa, ahli materi atau isi dan ahli kegrafikaan serta lembar angket respon peserta didik. Berdasarkan hasil analisis data ahli bahasa yang dikembangkan berada pada kriteri sangat valid dengan skor sebesar 94,44%. Hasil analisis materi yang dikembangkan berada pada kriteria sangat valid dengan skor sebesar 90,91%. Hasil analisi data ahli kegrafikaan yang dikembangkan berada pada kriteria sangat valid dengan skor sebesar 97,53%. Hasil uji coba yang dilakukan peneliti memproleh skor sebesar 92,16% dengan kriteria sangat baik. Buku ajar tokoh-tokoh islam pada peristiwa proklamasi kemerdekaan yang dikembangkan dengan menggunakan model ADDIE dapat disimpulkan memenuhi kriteria valid dan sangat baik

The Effectiveness of Law Enforcement Against Illegal Gold Mining Offenders in Jambi Province: A Fiqh Jinayah Perspective Rafikah, Rafikah; Hasan, Hadri; Adawiyah, Robi'atul
Journal of Social Work and Science Education Vol. 6 No. 1 (2025): Journal of Social Work and Science Education
Publisher : Yayasan Sembilan Pemuda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52690/jswse.v6i1.1059

This study examines law enforcement practices and their effectiveness in addressing illegal gold mining in Jambi Province, with additional analysis from the perspective of Fiqh Jinayah (Islamic criminal law). Employing an empirical juridical approach, the research was conducted in Sarolangun, Merangin, and Bungo Regencies. Informants included police officials from each region and individuals involved in illegal gold mining. Data were collected through observation, interviews, and document analysis, and analyzed via data reduction, display, and conclusion drawing. Findings reveal that law enforcement efforts begin with public education on environmental protection and the legal consequences of illegal mining. However, these efforts remain largely ineffective due to legal, structural, and socio-economic challenges. Contributing factors include the misalignment between laws and local realities, vague legal formulations, limited outreach, inadequate sanctions, and resource constraints faced by authorities. From the perspective of Fiqh Jinayah, illegal gold mining is categorized under Jarimah Ta’zir, allowing judge’s discretion in sentencing. Punishments can include imprisonment, fines, corporal penalties, or warnings, guided by principles of justice for both society and offenders. The study suggests that integrating Fiqh Jinayah may offer a culturally relevant alternative to enhance the deterrent effect and improve the overall effectiveness of law enforcement in this context.

Implementation of Pesantren Accounting in Financial Reporting Isroin, Wahyuni; Marwazi; Adawiyah, Robi'atul
Adpebi International Journal of Multidisciplinary Sciences Vol. 4 No. 2 (2025)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/aijms.v4i2.1382

Purpose – This study analyzes the implementation of pesantren accounting at Al-Jauharen Islamic Boarding School in the preparation of financial statements. The research focuses on the implementation process, the impact of training, and the challenges encountered in applying pesantren accounting at Al-Jauharen Islamic Boarding School. Method – This study employs a qualitative approach using the grounded theory method. Data were collected through observation, interviews, and documentation. The key informants included the leader, treasurer, former treasurer staff, current treasurer staff, auditor, secretariat, and CSR donature who provide insights into financial management. The data were also supported by financial reports and literature reviews. The analysis was conducted using NVivo 12, and the validity of the findings was tested through source triangulation. Findings – The implementation of accounting at Al-Jauharen Islamic Boarding School still faces challenges in financial recording, human resources, and technology. The current system is manual, relying on a General Cash Book and simple spreadsheets. Accounting training has raised awareness of transparency, but its implementation remains limited due to a lack of mentoring, competent human resources, and technological constraints. The main obstacles include limited funds for accounting system investment, the absence of specific accounting standards for pesantren, and a financial management culture based on trust without detailed record-keeping. Novelty – This study specifically identifies accounting constraints in pesantren, particularly technological limitations, human resources, and a trust-based financial management culture. Unlike previous studies, this research highlights the integration of sharia accounting and the urgency of financial record digitalization to enhance transparency. These findings serve as a foundation for developing a more systematic and adaptive pesantren accounting system. Keyword: Pesantren Accounting, Accountability, Financial Reports, Islamic Boarding School

Childfree In the Perspective of Islamic Law and Religious Sociology: A Study of the Fatwa of The MUI of Muara Jambi District Sibawaihi, Muhammad; Umar, Hasbi; Mukhtar, Mukhtar; Adawiyah, Robi'atul; Muhammad, Pauzi
Jurnal Mediasas: Media Ilmu Syari'ah dan Ahwal Al-Syakhsiyyah Vol. 8 No. 2 (2025): Jurnal Mediasas: Media Ilmu Syariah dan Ahwal Al-Syakhsiyyah
Publisher : Islamic Family Law Department, STAI Syekh Abdur Rauf Aceh Singkil, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58824/mediasas.v8i2.278

The phenomenon of childfree, a couple's conscious decision to live a married life without having children, has sparked an in-depth discourse in the study of Islamic law and religious sociology in Indonesia. This polemic is increasingly prominent as open statements from well-known public figures such as Gita Savitri and Cinta Laura, which strengthen the conversation about the legitimacy and implications of this practice in the context of sharia and contemporary social dynamics. This study aims to analyze the views of the Indonesian Ulema Council (MUI) of Muara Jambi Regency on the childfree phenomenon, focusing on the factors behind it and its legal status in the perspective of Islamic law. Adopting a juridical-sociological approach with a descriptive-analytical paradigm, this research utilizes semi-structured interviews with the leadership of MUI Muara Jambi, documentation studies, and non-participant observation. The research findings identify four main factors that encourage childfree practices: psychological unpreparedness to become parents, economic concerns, socio-psychological environmental conditions, and physical health considerations.In the perspective of Islamic law, MUI Muara Jambi categorizes childfree as haram if it is only based on economic concerns, but permissible if it is supported by valid shar'i reasons, such as health risks, provided that it meets the conditions such as mutual agreement between couples and alignment with maqashid sharia. This study contributes to the development of contemporary Islamic legal discourse by offering a moderate perspective that integrates sharia principles with modern social dynamics. [Fenomena childfree, yakni keputusan sadar pasangan suami-istri untuk menjalani kehidupan perkawinan tanpa memiliki keturunan, telah memantik diskursus mendalam dalam kajian hukum Islam dan sosiologi keagamaan di Indonesia. Polemik ini kian mengemuka seiring pernyataan terbuka dari tokoh publik ternama seperti Gita Savitri dan Cinta Laura, yang memperkuat perbincangan mengenai legitimasi dan implikasi praktik tersebut dalam konteks syariah dan dinamika sosial kontemporer. Penelitian ini bertujuan untuk menganalisis pandangan Majelis Ulama Indonesia (MUI) Kabupaten Muara Jambi terhadap fenomena childfree, dengan fokus pada faktor-faktor yang melatarbelakanginya serta status hukumnya dalam perspektif hukum Islam. Mengadopsi pendekatan yuridis-sosiologis berparadigma deskriptif-analitis, penelitian ini memanfaatkan wawancara semi-terstruktur dengan pimpinan MUI Muara Jambi, studi dokumentasi, dan observasi non-partisipan. Temuan penelitian mengidentifikasi empat faktor utama yang mendorong praktik childfree: ketidaksiapan psikologis untuk menjadi orang tua, kekhawatiran ekonomi, kondisi lingkungan sosial-psikologis, dan pertimbangan kesehatan fisik. Dalam perspektif hukum Islam, MUI Muara Jambi mengkategorikan childfree sebagai haram apabila hanya didasarkan pada kekhawatiran ekonomi, namun mubah jika didukung oleh alasan syar’i yang sah, seperti risiko kesehatan, dengan syarat memenuhi ketentuan seperti kesepakatan mutual antar pasangan dan keselarasan dengan maqashid syariah. Kajian ini berkontribusi pada pengembangan diskursus hukum Islam kontemporer dengan menawarkan perspektif moderat yang mengintegrasikan prinsip syariah dengan dinamika sosial modern].

Analysis of the Indonesian Banking System: A Comparison Between Conventional and Sharia Banks Hafiz, Ahsan Putra; Latif, Mukhtar; Muhammad, Pauzi; Umar, M. Hasbi; Adawiyah, Robi'atul; Husin, Midhat; Sibawaihi, Muhammad
Jurnal Mediasas: Media Ilmu Syari'ah dan Ahwal Al-Syakhsiyyah Vol. 8 No. 2 (2025): Jurnal Mediasas: Media Ilmu Syariah dan Ahwal Al-Syakhsiyyah
Publisher : Islamic Family Law Department, STAI Syekh Abdur Rauf Aceh Singkil, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58824/mediasas.v8i2.300

This article discusses the banking system, both conventional and Islamic. Conventional adopts the bank interest system, while Islamic adopts the profit-sharing system. The main findings from the literature indicate that Islamic banks, through the profit-sharing system, offer a more equitable distribution of wealth and are considered to have a better risk-sharing mechanism, especially during periods of financial instability. However, the profit-sharing system often faces challenges related to transparency and monitoring, which can potentially affect operational efficiency. In contrast, conventional banks, although benefiting from a simpler interest-based structure, may expose their customers to interest rate volatility and lack the social justice dimension emphasized in Islamic finance. [Artikel ini membahas mengenai sistem perbankan, baik bersifat konvensional maupun syariah. Konvesional menganut sistem bunga bank, sedangkan syariah menganut system bagi hasil. Temuan utama dari literatur menunjukkan bahwa bank syariah, melalui sistem bagi hasil, menawarkan distribusi kekayaan yang lebih adil dan dianggap memiliki mekanisme pembagian risiko yang lebih baik, terutama selama periode ketidakstabilan keuangan. Namun, sistem bagi hasil seringkali menghadapi tantangan terkait transparansi dan pemantauan, yang berpotensi mempengaruhi efisiensi operasional. Sebaliknya, bank konvensional, meskipun mendapatkan keuntungan dari struktur berbasis bunga yang lebih sederhana, dapat membuat nasabahnya terkena volatilitas suku bunga dan tidak memiliki dimensi keadilan sosial yang ditekankan dalam keuangan Islam].

The Reconstruction of Aisyah’s Marriage Age as a Resolution For Child Marriage Practices Phenomenon Adawiyah, Robi'atul; Mukhlisa, Dian; _, Yuliatin; Putra, Devrian Ali
al-'adalah Vol 19 No 1 (2022): AL-'ADALAH
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/adalah.v19i1.11706

The Reconstruction of Aisyah’s Marriage Age as a Resolution For Child Marriage Practices Phenomenon. The marriage of Aisyah bint Abu Bakr at a young age with the Prophet Muhammad is often used to legitimize the permissibility of marrying small children in the Islamic world. This is what makes the practice of child marriage difficult to eradicate in Muslim-majority countries. This study aims to see how the impact of child marriage on children, the efforts of Muslim scientists in eradicating the practice of child marriage through the reconstruction of Aisyah's marriage age as well as the government's efforts to eliminate the practice of child marriage during the pandemic. This study is library research using a qualitative approach. The results show that Aisyah's marriage at the age of 6 years was not relevant to the existing evidence. Second, it is true that Aisyah bint Abu Bakr married the Prophet Muhammad at a very young age of 9 or 10 years, but that age was considered appropriate for marriage in the cultural context of people around the world at that time. Third, the government's action to increase the age of marriage to 19 years for men and women is something that is in line with the objectives of Islamic law (maqāshid al-sharī'ah). Based on these findings, the practices of early child marriage should be prevented, and even prohibited because it is against Islamic Law.

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