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All Journal Value Added: Majalah Ekonomi & Bisnis Journal of Islamic Studies and Humanities Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen al-Afkar, Journal For Islamic Studies KEUDA : JURNAL KAJIAN EKONOMI DAN KEUANGAN DAERAH Journal of Indonesian Tourism, Hospitality and Recreation JESI (Jurnal Ekonomi Syariah Indonesia) Jurnal Public Policy International Journal of Zakat (IJAZ) Jurnal Al Azhar Indonesia Seri Ilmu Sosial Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Bertuah : Jurnal Syariah dan Ekonomi Islam AL-ARBAH: Journal of Islamic Finance and Banking Journal of Islamic Economics and Philanthropy Jurnal Ekonomi KIAT Journal of Islamic Economic and Business Research Al Dzahab Ijtimā`iyya: Journal of Muslim Society Research Unisia Constitution Journal Sanskara Akuntansi dan Keuangan JIPM: Jurnal Indragiri Penelitian Multidisiplin Jurnal Multidisiplin West Science The Es Economics and Entrepreneurship Journal of Central Banking Law and Institutions Jurnal Adijaya Multidisiplin Sanskara Manajemen dan Bisnis Eastasouth Journal of Impactive Community Services Jurnal Pengabdian West Science West Science Journal Economic and Entrepreneurship Journal of Business and Political Economy: Biannual Review of The Indonesian Economy Review Journal Middle East and Islamic Studies Imara: Jurnal Riset Ekonomi Islam INASJIF Neraca Manajemen, Akuntansi, dan Ekonomi Constitution Journal West Science Islamic Studies Maklumat: Journal of Da'wah and Islamic Studies PRIMER: Jurnal Ilmiah Multidisiplin Al-Fadilah: Islamic Economics Journal Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Al-Risalah Jurnal Studi Agama dan Pemikiran Islam Ulil Albab Journal of Islamic Economics and Business Ethics Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah
Zulfikar Hasan
Department Of Islamic Banking And Center For Research And Community Service At STAIN Bengkalis Riau
Religion Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Physics Public Health Social Sciences Other

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Online Lending from an Islamic Business Perspective Hasan, Zulfikar; Muhardi, Sona; Astuti, Linda; Hamdani, Hamdani
Jurnal Al Azhar Indonesia Seri Ilmu Sosial Vol 4, No 1 (2023): Februari 2023
Publisher : Universitas Al Azhar Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36722/jaiss.v4i1.1836

Abstract

Pinjaman online sendiri merupakan jenis pinjaman yang dapat dicairkan dalam waktu yang relatif lebih cepat dibandingkan dengan pinjaman biasa. Penelitian ini bertujuan untuk mendeskripsikan dan menganalisis bagaimana pinjaman online menurut hukum Islam. Dalam Islam, pinjaman yang diperbolehkan mengikuti surah Al-Hadid ayat 11, yang merupakan salah satu dari beberapa dalil yang menjadi dasar pengaturan pinjam meminjam. Dalam hal ini, pinjaman online awalnya memiliki berbagai kontroversi. Kajian ini akan menjelaskan kaidah-kaidah pinjaman online dengan menggunakan perspektif Islam. Penelitian ini menggunakan metode studi literatur untuk mengumpulkan data dengan membaca dan mengkaji berbagai fenomena. Penelitian ini juga menggunakan analisis deskriptif dengan membaca fatwa dan pendapat para ulama. Hasil dari penelitian ini adalah pinjaman online tidak diperbolehkan mengikuti fatwa MUI (Majelis Ulama Indonesia) tahun 2021 dengan aturan tertentu dan berdasarkan peraturan dan fatwa ulama yang berlaku.Kata Kunci : Pinjaman, Bisnis, Online
INTEREST AND PROFIT SHARING INSTRUMENTS IN THE BANKING WORLD Hasan, Zulfikar; Susanto, Erik
Indonesian Scientific Journal of Islamic Finance Vol 2 No 2 (2024): Indonesian Scientific Journal of Islamic Finance
Publisher : Faculty of Islamic Economics and Business, Sultan Aji Muhammad Idris State Islamic University of Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v2i2.8025

Abstract

This article attempts to examine the concept of interest instruments in conventional banking and profit-sharing instruments in Islamic banking and their implications for investment and financing for customers according to the perspective of the principle of justice in Islamic economics. This study uses the research library method, and the researcher analyzes relevant secondary data related to this discussion. Data was sourced from journals, books, and other reading materials. This study uses a phenomenological approach to describe the overall problem of the people who experience it directly, in this case, the bank and the customer. The results of the study show that interest instruments at conventional banks tend to be more unfair because the interest system at traditional banks does not see profit and loss from the business being run. Dangerous for the culprit. Meanwhile, profit-sharing instruments at Islamic banks are based on the profit and loss of the company run by the bank and customers, which are considered fairer. Even so, Islamic banks still have an expected bank rate of standard profit expectations for the bank's business to support sound financial performance.
Analysis of Savings and Loan Practices of Women's Groups of National Madani Capital Mekar Syariah at the Bengkalis Branch Office in a Review of Islamic Economics Surohman, Irzan; Azlina, Nur; Indira, Nur; Listiawati, Irda; Rini, Disti Marta; Hasan, Zulfikar
West Science Journal Economic and Entrepreneurship Vol. 1 No. 05 (2023): West Science Journal Economic and Entrepreneurship
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsee.v1i02.69

Abstract

The purpose of this research is to find out how savings and loan practices are carried out at Civil National Capital. This type of research is field research conducted to explore data obtained from the location or research field. This research is classified as a qualitative research using a qualitative descriptive approach. The population in this study were members of national civil capital customers and the sampling technique was purposive sampling with certain criteria in selecting the sample to achieve the research objectives. The research was made up of 10 members of the Gg Kundur women's group. The results of the study show that with this loan the customer is greatly assisted in running his business.
Efficiency Evaluation of Islamic Commercial Banks in Indonesia Using Stochastic Frontier Analysis (SFA): A Panel Data Approach Zulfikar Hasan; Mhd Syahrizan; Nor Razinah Binti Mohd. Zain
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 2 No 3 (2025): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v2i3.436

Abstract

The efficiency of Islamic commercial banks is a crucial determinant of their competitiveness and long-term sustainability, especially in a dynamic financial environment, such as Indonesia. Despite rapid growth in the Islamic banking sector, questions persist regarding whether these banks are operating at optimal efficiency levels. This study aims to evaluate the technical efficiency of Islamic commercial banks in Indonesia over the period 2015–2024 by employing Stochastic Frontier Analysis (SFA) with a translog production function applied to balanced panel data. The model incorporated key input variables, including total assets, labor expenses, and operational costs, with financing used as a proxy for output performance. Empirical findings revealead that an average technical efficiency score of 0.784, suggesting notable inefficiencies across the sector. Among the sampled institutions, BCA Syariah Bank and Mega Syariah Bank consistently outperform their peers, while Victoria Syariah Bank showed persistently low efficiency due to operational shortcomings. The estimated gamma parameter (0.886) further indicated that inefficiency significantly explains the variation in output among banks, validating the use of the SFA model. The study underscores the urgent need for strategic improvements in operational management, resource allocation, and digital transformation initiatives. In addition, regulatory bodies are encouraged to strengthen institutional frameworks and promote innovation and human capital development.
Economic Globalization: Impacts On Indonesian Import-Export Statistics Zulfikar Hasan
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol. 12 No. 2 (2020): .
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v12i2.7085

Abstract

Economic globalization is the manner of combining the national economy into the global financial system played by WTO, IMF and World Bank players. Economically the Indonesian state has a dependence on international trade, production and finance. Accordingly, the Indonesian nation unprotected to international pressure and globalization. Economic globalization has an impact on national commercial law which must resemble as an integration mechanism that can harmonize the various internal interests of the nation, national and international interests and between sectors of domestic life. Economically there are increasingly competing trade pressures, multi nationalization of production, integration of financial markets and inrush of global capital investment. In dealing with the impact of economic globalization using strategies play an active role in the process of negotiation with globalization actors and creating national commercial law, especially regarding the foreign investment that accommodates the interests of global values to appropriate for the development of the national economy. Globalization is also very instrumental in the volume of export and import in a country, including Indonesia, which will have an impact both negative and positive from globalizing products and services.
The Impact of Gross Enrollment Ratio (GER) of Tertiary Education in Indonesia on the Literacy and Inclusion Index: A Case Study Of Islamic Finance in Indonesia Zulfikar Hasan; Saifunnajar Saifunnajar
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol. 13 No. 2 (2021)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v13i2.7599

Abstract

The inclusion and literacy of Islamic finance is an index that can use as a guide in assessing whether people living in a country know about Islamic finance. Multiple variables can conclude whether a nation knows Islamic banking, one of the variables that can use as guidelines are the literacy and inclusion index published by affiliated organisations such as the Financial Services Authority (OJK). The Financial Services Authority does a survey that can use as further research on the knowledge of the Indonesian people about Islamic Banking. Overall, the third National Financial Literacy Survey (SNLIK) conducted by the Financial Services Authority (OJK) this year showed that the financial literacy index reached 38.03%, and the financial inclusion index 76.19%. This figure improved related to the results of the 2016 OJK survey, correctly the financial literacy index 29.7% and the financial inclusion index 67.8%. Based on regional levels, for urban financial literacy index reached 41.41% and economic inclusion of urban areas amounted to 83.60%. In comparison, the literacy index and financial inclusion of rural communities were 34.53% and 68.49%. The survey results also showed that based on gender literacy index and economic inclusion of men were 39.94% and 77.24%, relatively higher than women at 36.13% and 75.15%. OJK will use the results of the 2019 financial literacy survey to refine the national financial literacy development strategy that is more effective and targeted.
Co-Authors Ade Rosita Afriyadi Ahmad Azam Sulaiman Ahmad Syukri Aiza Zulmairoh Amelia Ripal Angga Dasma Hendra Anugrah, Resti Arbaia Arbaia Arbaia, Arbaia Asta, Sephia Septiana Bobby Syuhada Bobby Syuhada Daniel Happy Putra Delia Desvianti Dinda Sri Dewi Lestari Disti Marta Rini Endah Dwi Jayanti Feby Syahira Hamdani Hamdani Hasanah, Riska Ardila Ika Kurnia Sofiani Indira, Nur Irda Listiawati Irlina Dewi Irnaldi Irzan Surohman Julia Sukma Kamiluddin Kamiluddin Kamiluddin Kamiluddin Kamiluddin Kamiluddin Kamiludin, Kamiludin Kheqal Fitradinata Khotimatul Anisa Khozinatul Asrori Koni Piranda Linda Astuti, Linda Listiawati, Irda M. Fadil Iqbar Mardiana Safitri Marisna, Diska Sendi Marta Rini, Disti Melisa Melisa Melisa Mercy Gusriyani Mhd Syahrizan Mistari Br Harianja Mohd Helmi Ali Muhammad Fadhli Muhammad Irfan Syah Muhammad Rizky Anes Muhardi, Sona Muslim Muslim Mutia Rosiana Nita Putri Mutia Rosiana Nita Putri Nazri Nor Razinah Binti Mohd. Zain Norpatiha Norpatiha Nur Azlina Nur Azlina Nur Hidayati Nur Indira Nur Indira Nur Indira Nur Umida Nurul Syahira Nurulia Ramadhani Oliv Rezfani Puji Afriyeni Ratiwi, Ratiwi Reni Ayu Anggriani Reno Firdaus Reski Lestari Resti Anugrah Revita Sari Rini, Disti Marta Rino Riyaldi Risma Junita, Risma Riyandi Fatur Nugraha Rosita, Ade Said Rizki Suhendra Saifunnajar Saifunnajar Seri Wahyuni Serliana Sri Ika Mulia Sri Wahyuningsih Suci Hijriyati Supriyadi Surohman, Irzan Susanto, Erik Suzaini Suzaini Suzaini, Suzaini Syahira, Feby Takwa, Wardina Huma Taufik Taufik Trisna Eka Sari Wardina Huma Takwa Wulan Anis Mawati Yuliana Yuliana Yuni Dhea Utari