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All Journal JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Irajagaddhita : Jurnal Pengabdian dan Pemberdayaan Masyarakat Majority Science Journal Journal of Business Management and Islamic Banking El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam RESLAJ: Religion Education Social Laa Roiba Journal Journal of Ekonomics, Finance, and Management Studies INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen Jurnal Ekonomi Syariah Mulawarman (JESM)
Bustami, Abiyajid
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STUDI KOMPARASI PENERAPAN MANAJEMEN RISIKO PRODUK PEMBIAYAAN DI LEMBAGA KEUANGAN MIKRO SYARIAH Yulianti, Rahmani Timorita; Bustami, Abiyajid; Atiqoh, Nur; Anjellah, Rati
JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Vol. 4 No. 1 (2018): Jurnal Syarikah
Publisher : Program Studi Ekonomi Islam FEI UNIDA Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (556.828 KB) | DOI: 10.30997/jsei.v4i1.1060

Abstract

Risiko adalah suatu akibat yang tidak dapat dihilangkan dari kegiatan bisnis, tetapi dapat diminimalisir dengan menerapkan manajemen risiko. Tujuan penelitian ini adalah mendiskripsikan perbandingan penerapan manajemen risiko antara produk pembiayaan murabahah dan mudharabah di Lembaga Keuangan Mikro Syariah. Penelitian ini adalah penelitian kualitatif dengan istrumen penelitian wawancara dan dokumentasi. Hasil penelitian menunjukan bahwa penerapan manajemen risiko pada pembiayaan murabahah dan mudharabah memiliki kesamaan dalam prosesnya. Penerapan manajemen risiko di kedua skim pembiayaan ini sama-sama dimulai dari proses identifikasi risiko, evaluasi dan pengukuran risiko, dan diakhiri dengan pengelolaan risiko. Dalam pelaksanaannya, penerapan manajemen risiko di kedua skim ini memiliki perbedaan. Dalam pembiayaan murabahah, identifikasi risiko dilakukan sebagai langkah pertama dalam manajemen risiko. Pengukuran risiko dilakukan sebagai dasar tolak ukur untuk memahami signifikansi akibat kerugian yang akan ditimbulkan oleh suatu risiko. Evaluasi risiko dilakukan untuk mengontrol atau mengawasi sejauh mana penanganan risiko yang telah dilakukan agar tidak timbul risiko kembali. Pengelolaan risiko dilakukan dengan cara pendampingan, pemberian modal kembali, perpanjangan jangka waktu pengembalian, pengembalian pokok, pemberian peringatan, sita jaminan, pencarian nasabah, dan hapus buku atau hapus tagih. Sedangkan dalam pembiayaan mudharabah, identifikasi risiko dilakukan pada saat awal permohonan pembiayaan mudharabah, dan saat melakukan survei sebelum realisasi pembiayaan mudharabah. Pengukuran risiko dilakukan dengan menggunakan sistem manajemen informasi yang terintegrasi melalui software integrated micro banking system (IBS). Evaluasi risiko dilakukan melalui data dalam sistem pembukuan melalui IBS, dan survei kepada anggota pembiayaan mudharabah. Pengelolaan risiko yang sudah terjadi dilakukan dengan cara memberikan penjelasan, pemberian kelonggaran waktu pengembalian, membayar pokok, dan penyitaan jaminan.
FINANCIAL AND NON-FINANCIAL FACTORS AFFECTING SUKUK IJARAH RATINGS Maulidina, Rizky Awaliyah; Bustami, Abiyajid; Maulana, Indra
MSJ : Majority Science Journal Vol. 2 No. 1 (2024): MSJ-February
Publisher : PT. Hafasy Dwi Nawasena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61942/msj.v2i1.110

Abstract

This study aims to analyse what affects the rating of sukuk ijarah as seen from financial and non-financial factors. This research is quantitative research using the SPSS application. the sample of this research is companies that issue sukuk ijarah in the 2014-2018 period and are rated by PEFINDO. Indicators of financial factor variables are measured by CR (Current Ratio), ROA (Return on Asset), TATO (Total Asset Turn Over) and DER (Debt to Equity Ratio). While the non-financial factors used are the age of sukuk. The results of this research are financial ratios that affect sukuk ratings are CR and ROA. Where seen from the partial test these two ratios are significant. Meanwhile, if examined simultaneously CR, ROA, TATO, DER and sukuk age on sukuk ratings, the results have a significant effect. This means that all financial ratios and sukuk age simultaneously affect the ijarah sukuk rating.
Meningkatkan Literasi Keuangan Syariah Generasi Z melalui Seminar di Universitas Mulawarman Mahardika, Swadia Gandhi; AF, Muh Shadiqul Fajri; Fitriah, Rinna Ramadhan Ain; Bustami, Abiyajid
Irajagaddhita Vol. 2 No. 2 (2024): Irajagaddhita : Jurnal Pengabdian dan Pemberdayaan Masyarakat
Publisher : CV Global Research Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59996/irajagaddhita.v2i2.587

Abstract

Seminar ini bertujuan untuk mengeksplorasi peran Generasi Z dalam meningkatkan literasi keuangan syariah dan dampaknya terhadap stabilitas finansial. Generasi Z, yang tumbuh di era digital, memiliki potensi besar dalam mengintegrasikan prinsip-prinsip keuangan syariah dalam pengelolaan keuangan pribadi. Keuangan syariah menawarkan pendekatan yang berfokus pada keadilan, transparansi, dan larangan terhadap riba dan spekulasi, yang dapat mendukung terciptanya stabilitas finansial jangka panjang. Seminar ini dihadiri oleh mahasiswa Universitas Mulawarman dan menekankan pentingnya literasi keuangan syariah bagi generasi Z dalam mengambil keputusan finansial yang bijak dan etis. Hasil seminar menunjukkan bahwa pemahaman yang lebih baik tentang keuangan syariah dapat berkontribusi signifikan terhadap stabilitas finansial individu dan nasional. Saran dari kegiatan ini adalah perlunya peningkatan program literasi keuangan syariah, pengembangan teknologi finansial berbasis syariah, serta integrasi literasi keuangan syariah dalam kurikulum pendidikan formal.
Kesesuaian Akad Ijarah Multijasa pada Produk Pembiayaan Umrah dengan Prinsip-Prinsip Syariah di Amitra Syariah Financing Cabang Samarinda Bustami, Abiyajid
Jurnal Ekonomi Syariah Mulawarman (JESM) Vol. 3 No. 3 (2024): Jurnal Ekonomi Syariah Mulawarman
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jesm.v3i3.2820

Abstract

Penelitian ini dilatarbelakangi oleh berkembangnya produk pembiayaan umrah di lembaga keuangan syariah khususnya di Cabang Amitra Syariah Samarinda. Penelitian ini bertujuan untuk mengetahui penerapan akad ijarah multijasa. Penelitian ini merupakan penelitian dengan pendekatan deskriptif analitis, yaitu mengungkapkan suatu masalah dan keadaan sebagaimana adanya. Teknik pengumpulan data dalam penelitian ini adalah wawancara, observasi, dan dokumentasi. Informan dalam penelitian ini adalah informan yang berhubungan langsung dengan pendanaan anak perusahaan Amitra Syariah Samarinda. Hasil penelitian ini menunjukkan bahwa prinsip syariah untuk produk keuangan di Amitra Syariah Cabang Samarinda belum sepenuhnya sesuai dengan prinsip syariah karena beberapa aspek ketidakpatuhan, antara lain penggunaan anuitas bukan fixed rate dan menentukan ujrah berdasarkan jumlah pokok pinjaman dan bukan harga paket umrah, berikut potongan yang seharusnya menjadi hak nasabah tetapi menjadi milik Amitra Syariah cabang Samarinda, dan uang jaminan yang diterima nasabah Amitra Syariah bukan sebagai bagian dari harga pokok akad tetapi sebagai pengurang dari harga pokok akad.
Perceptions of civil servant towards sharia bank service: evidence from employees on public works and spatial planning department in Samarinda city Mahardika, Swadia Gandhi; Fajri AF, Muh Shadiqul; Bustami, Abiyajid; Ain Fitriah, Rinna Ramadhan; Yuningsih, Isna
INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen Vol. 19 No. 2 (2023): Mei
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jinv.v19i2.2936

Abstract

The background of this research was the salary distribution for the civil servants. The salary distribution for employees on the Department of Public Works and Spatial Planning or Dinas Pekerjaan Umum dan Penataan Ruang (PUPR) in Samarinda City was from the conventional bank. However, the civil servants mostly used Sharia Bank for their daily activities. The utilization of the Sharia Bank based on the users’ perception. Knowledge and response were the factors to influence this perception. The research aimed to know 1) the perception of civil servants on the Department of Public Works and Spatial Planning in Samarinda City toward the use of Sharia Bank services based on knowledge and response, and 2) the main factor that influenced the civil servants to choose the Sharia Bank. This research was field research with a phenomenology approach. The data collection methods for this research were interviews and documentation. The data was collected from civil servants on the Department of Public Works and Spatial Planning Samarinda City as users of the Sharia Bank services. The research results showed that 1) the perception of civil servants on the Department of Public Works and Spatial Planning in Samarinda City based on the employee’s knowledge and response. The civil servants appraised the Sharia Bank as their first choice. The employees understood about the Sharia Bank such as its products, the bank‟s administration, its strategic place, the Sharia Bank promotion, the service qualities, Sharia Bank‟s facilities, and the fast service transaction. The response was influenced by factors such as culture, technology, social, and psychology. 2) The psychological factor that influences employees using the Sharia Bank services was a self-awareness to have freedom usury. For the civil servants, using the Sharia Bank services brought some benefits such as feel peaceful, secured, and blessed.
The Role of Islamic Economics in Promoting Sustainable Economic Growth in Developing Countries : Systematic Literature Review (SLR) Bustami, Abiyajid; Maulidina, Rizky Awaliyah
Journal of Business Management and Islamic Banking Vol. 4 No. 1 (2025)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.2025.0401-04

Abstract

Research Aims: This study aims to identify, analyze, and synthesize findings from existing literature on the role of Islamic economics in promoting sustainable economic growth in developing countries. Methodology: Utilizing a Systematic Literature Review (SLR) approach, this study collects and evaluates data from scholarly books, journals, and academic research published between 2016 and 2024. The review follows a structured protocol, including clearly defined inclusion and exclusion criteria and rigorous study quality assessments. Research Findings: The results reveal that Islamic economics, particularly through sectors such as Islamic banking, sukuk, and the halal industry, significantly contributes to economic inclusivity, equitable wealth distribution, and environmental preservation. Originality: The  grand  theory  used  in  this  research the role of Islamic economics in supporting sustainable development in developing countries through economic inclusiveness and environmental preservation. Research limitation and implication: The limitation of this study lies in its reliance on literature without empirical data. Its implication specifically suggests that policymakers in developing countries should integrate Islamic economic principles such as profit-sharing, ethical investment, and environmental stewardship into national development strategies to achieve inclusive and sustainable growth.
Marketing Strategy Analysis of Okra Leaf Guest House Syariah Bontang to Improve Competitiveness Bustami, Abiyajid; Maulidina, Rizky Awaliyah
Reslaj: Religion Education Social Laa Roiba Journal Vol. 7 No. 5 (2025): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v7i5.7981

Abstract

                The competition in the sharia hotel industry is growing, driven by increasing interest in halal tourism, which emphasizes services aligned with Islamic principles. Okra Leaf Guest House Syariah in Bontang, a sharia-based accommodation, faces challenges in boosting its competitiveness. This study analyzes the marketing strategies applied by Okra Leaf to strengthen its position using a case study approach involving semi-structured interviews, participatory observation, and document analysis. The findings show that Okra Leaf differentiates its services through sharia principles, such as prayer facilities and halal food, which have been positively received by customers. However, digital marketing and customer relationship management (CRM) remain underutilized. The SWOT analysis highlights the strength of authentic sharia services, while digital infrastructure is identified as a weakness. The study recommends improving digital marketing and optimizing CRM to enhance competitiveness. Implementing these strategies can help Okra Leaf expand its market and increase customer loyalty.
Dampak Kinerja Keuangan terhadap Profitabilitas Bank Syariah: Analisis Perbandingan Bank Syariah di Indonesia dan Malaysia Haris, Dea Aryandhana Mulyana; Huda Nasution, Akmal; Nurul Fakhri, Ulumuddin; Bustami, Abiyajid
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 7 (2024): 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.v5i7.4261

Abstract

This study aims to analyze the effect of financial performance on the profitability of Islamic banks in Indonesia and Malaysia, using the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach and secondary data from 2019 to 2023. The results showed that asset quality, as measured by Net Performing Financing, proved to have a significant influence on profitability, with the coefficient value of Islamic banks in Indonesia is 0.035 and in Malaysia is 0.05. While other factors do not have a significant effect on profitability. This shows that both Islamic banks are very vulnerable to the quality of financing. Based on the results of this study, it is expected that stakeholders, such as Islamic banks and the government, can take concrete steps to improve the profitability and stability of the Islamic banking sector. Islamic banks are expected to focus on improving asset quality, managing credit risk better, and developing effective risk management strategies. Keywords: Financial performance; Profitability; Islamic banks; Indonesia; Malaysia; PLS-SEM.
Dampak Kinerja Keuangan terhadap Profitabilitas Bank Syariah: Analisis Perbandingan Bank Syariah di Indonesia dan Malaysia Haris, Dea Aryandhana Mulyana; Huda Nasution, Akmal; Nurul Fakhri, Ulumuddin; Bustami, Abiyajid
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 7 (2024): 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.v5i7.4261

Abstract

This study aims to analyze the effect of financial performance on the profitability of Islamic banks in Indonesia and Malaysia, using the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach and secondary data from 2019 to 2023. The results showed that asset quality, as measured by Net Performing Financing, proved to have a significant influence on profitability, with the coefficient value of Islamic banks in Indonesia is 0.035 and in Malaysia is 0.05. While other factors do not have a significant effect on profitability. This shows that both Islamic banks are very vulnerable to the quality of financing. Based on the results of this study, it is expected that stakeholders, such as Islamic banks and the government, can take concrete steps to improve the profitability and stability of the Islamic banking sector. Islamic banks are expected to focus on improving asset quality, managing credit risk better, and developing effective risk management strategies. Keywords: Financial performance; Profitability; Islamic banks; Indonesia; Malaysia; PLS-SEM.
Co-Authors Anjellah, Rati Atiqoh, Nur Haris, Dea Aryandhana Mulyana Huda Nasution, Akmal Indra Maulana, Indra Isna Yuningsih Maulidina, Rizky Awaliyah Muh Shadiqul Fajri AF Nurul Fakhri, Ulumuddin Rahmani Timorita Yulianti Rinna Ramadhan Ain Fitriah Swadia Gandhi Mahardika