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All Journal EL-MUHASABA ASAS : Jurnal Hukum Ekonomi Syariah MODUS-Jurnal Ekonomi dan Bisnis Jurnal Studi Agama dan Masyarakat Jurnal Al-Qardh Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Syi'ar Iqtishadi At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Jurnal Ilmu Hukum Tambun Bungai ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) JOURNAL OF BUSINESS AND ECONOMICS RESEARCH (JBE) Indonesian Journal of Islamic Economics and Business Kafa’ah: Journal of Gender Studies Jurnal Valuasi : Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah Al-Muamalat : Jurnal Ekonomi Syariah Jurnal Pengabdian Masyarakat Formosa (JPMF) Jurnal Cendekia Keuangan Journal Of Islamic Social Finance Management AMALA Jurnal Pengabdian Kepada Masyarakat Journal of Central Banking Law and Institutions Borneo Islamic Finance and Economics Journal (BIFEJ) AT-TIJARAH: Journal Islamic Banking and Finance Research Alkhidmah: Jurnal Pengabdian dan Kemitraan Masyarakat J-MABES Accounting Journal of Ibrahimy (AJI) Jurnal Bisnis Journal of Islamic economics Perspectives (JIEP) Jurnal Akuntansi Inovatif Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Suhuf: International Journal of Islamic Studies International Journal of Islamic Business and Economics (IJIBEC) JIMEKA RAGAM: Journal of Statistics and Its Application
Muhammad Riza Hafizi
Institut Agama Islam Negeri Palangka Raya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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THE EFFECT OF LIQUIDITY, LEVERAGE, CAPITAL, EFFICIENCY, AND ASSET QUALITY ON ISLAMIC BANKS PROFITABILITY IN ASIA Lina Kurniawati; Guntur Kusuma Wardana; Muhammad Riza Hafizi
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 8 No 2 (2025): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v8i2.10454

Abstract

Sharia banking in Asia has experienced rapid asset growth and has become a major contributor to the global Islamic finance industry. However, this asset growth has not always been accompanied by stable profitability due to high operating costs and financing risks. This study aims to examine the FDR, DAR, CAR, CIR, and NPF on ROA in Islamic banking in Asia. This study uses a descriptive quantitative approach with panel data regression analysis. The results show that, partially, the variables FDR, DAR, and CAR do not have a significant effect on ROA, while the variables CIR and NPF have a significant negative effect on ROA in Islamic banks in Asia. Simultaneously, all independent variables have a significant effect on ROA in Islamic banks in Asia. This study explains that asset efficiency and quality are important factors that affect the profitability of Islamic banking in Asia. The implication of this study is the need to strengthen financing risk management and improve operational efficiency to maintain the financial performance of Islamic banking.
Perceptions and Motivations for Buying and Selling Disputed Land in Sampit City Central Kalimantan an Islamic Economic Perspective Rivaldo, Ahmad; Sadikin, Ali; Zulkifli, Zulkifli; Safitri, Novi Angga; Hafizi, Muhammad Riza
Suhuf: International Journal of Islamic Studies Vol. 37 No. 2 (2025): November
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/suhuf.v37i2.12512

Abstract

This study aims to analyze the practice of buying and selling disputed land, understand the perceptions and motivations of the transaction actors, and examine these problems from an Islamic economic perspective. This research uses a descriptive qualitative approach through a field research method with data collection techniques in the form of observation, in-depth interviews, and documentation of a number of informants selected purposively. The results show that the practice of buying and selling disputed land takes place informally, with proof of transactions in the form of receipts and personal trust between individuals. Community perceptions tend to be permissive, considering the transaction valid as long as it is done voluntarily, even without an official certificate. The main motivation of the perpetrators is the low price of the land, the strategic location, and the belief that the legal status of the land can be resolved at a later date. From an Islamic economic perspective, this practice contains elements of gharar (uncertainty), which is prohibited due to the lack of clarity of ownership. In conclusion, this practice shows the lack of public awareness of Sharia law and land regulations. Therefore, legal education, socialization of Islamic economics, and enforcement of regulations are needed so that land transactions run according to the principles of justice and benefit.
PENGARUH GOOD CORPORATE GOVERNANCE TERHADAP NILAI PERUSAHAAN DENGAN PROFITABILITAS SEBAGAI VARIABEL MODERATING Gelu Savira Dwi Cahyani; Muhammad Riza Hafizi; Enriko Tedja Sukmana; Fuad Muhajirin Farid; Muhammad Noval
RAGAM: Journal of Statistics & Its Application Vol 3, No 1 (2024): RAGAM: Journal of Statistics & Its Application
Publisher : Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/ragam.v3i1.11903

Abstract

Good Corporate Governance is good and correct corporate governance to create added value for all stakeholders. A company's value is good if corporate governance is implemented well. Implementing good GCG will increase profits and reduce the risk of losses in the future so that it can increase company value. This research aims to examine the influence of Good Corporate Governance on Company Value with Profitability as a Moderating Variable in mining companies listed on the Indonesia Stock Exchange 2015-2019. The population of this research is all mining companies listed on the Indonesia Stock Exchange (BEI) in 2015-2019. The sampling method uses purposive sampling with a total sample of 3 companies. The data analysis method used is SEM-based Patrial Least Square (PLS) software. This research concludes that from the results of data analysis, based on predetermined decision-making, the results of this research are that Good Corporate Governance (GCG) has a positive and significant effect on company value. Then, profitability does not moderate the influence of GCG on company value.
PENGARUH BUDIDAYA LEBAH MADU TERHADAP PEREKONOMIAN MASYARAKAT DI KOTA PALANGKA RAYA Amalina Putri Syahira; Muhammad Riza Hafizi; Hasnita Handayani
RAGAM: Journal of Statistics & Its Application Vol 2, No 2 (2023): RAGAM: Journal of Statistics & Its Application
Publisher : Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/ragam.v2i2.11902

Abstract

The aim of this research is to determine the effect of honey bee cultivation on the economy of the people in Palangka Raya and from a Sharia Economic perspective. type of research causal research. The researcher's data collection method uses questionnaires. The population in this study were honey bee cultivation managers from the 3 (three) Forest Farmer Groups (KTH) supported by the Central Kalimantan Provincial Forestry Service, totaling 40 people, while the sample in this study was 40 people from all members of the population. The data analysis technique used is a simple linear regression analysis technique using the SPSS 25 program. The results of the research show that the honey bee cultivation variable has a significant positive effect on the community economy, which means that the higher the value of the honey bee cultivation variable, the higher the value of the community economic variable. Based on a sharia economic perspective, this is appropriate because honey bee cultivation managers have implemented the indicators that researchers use, such as social solidarity, transparency and trust.
Social Entrepreneur Model: Analysis of Muslim Women's Economic Empowerment Through Emping Crackers Industry in Tulungagung Siti Kalimah; Sirajul Arifin; Riska Agustin; Riza Hafizi, Muhammad
ASAS Vol. 17 No. 02 (2025): Asas, Vol. 17, No. 02 Desember 2025
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/

Abstract

The role of women in the economic sector extends beyond the domestic sphere to include participation in business, employment, and public decision-making. However, many women continue to experience structural barriers such as gender discrimination and limited access to economic opportunities. This phenomenon is also evident in Ngadirejo, Tulungagung, where the emping-melinjo industry dominated by Muslim women faces challenges related to business competition, resource limitations, and sustainability. This study aims to analyze the economic empowerment of Muslim women in the emping industry using the Social Entrepreneurship Model. Employing a qualitative descriptive approach, the research describes the dynamics of women’s empowerment based on data gathered through purposive sampling involving Muslim women entrepreneurs, community leaders, and supporting institutions. Data were collected through semi-structured interviews, observation, and documentation, and analyzed using thematic categorization aligned with the components of social value, civil society, innovation, and economic activity. The findings reveal significant positive impacts at the individual, household, and community levels, including increased financial independence (social value), expanded access to training and business capital supported by local networks (civil society), adoption of digital tools and creative business practices (innovation), and enhanced household income and poverty reduction through women’s active involvement in production and management (economic activity). Overall, the study demonstrates that the emping-melinjo industry serves as an effective vehicle for advancing women’s economic empowerment, strengthening family welfare, and promoting gender-inclusive economic development within rural communities.
Productive Zakat as an Instrument for Business Development Strategy: An Analytical Hierarchy Process (AHP) Study in South Kalimantan Indonesia Yusuf Asyahri; Atika Zahra; Annisa Sayyid; Annisa Mahfuzah; Faqih El Wafa; Hafizi, Muhammad Riza
International Journal of Islamic Business and Economics (IJIBEC) Vol 9 No 2 (2025): Volume 9 Nomor 2 Tahun 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v9i2.12486

Abstract

This study aims to identify and prioritize development strategies for Micro, Small, and Medium Enterprises (MSMEs) supported by productive zakat in South Kalimantan Province, Indonesia. Despite their significant contribution to regional economic growth, MSMEs continue to face challenges related to poverty and limited access to productive financing. Employing a descriptive–analytical approach, this study adopts a mixed-methods sequential explanatory design and applies the Analytical Hierarchy Process (AHP) to determine strategic priorities across MSME clusters. The results reveal notable differences in priority strategies among clusters. Government involvement, particularly through the National Zakat Agency (BAZNAS), is identified as the most influential factor in sustaining the MSME business ecosystem. Priority criteria include product quality improvement for Cluster I and human resource development for Clusters II and III. The preferred strategic alternatives emphasize enhancing human resource skills for Clusters I and II, while expanding market access through improved production and marketing channels is prioritized for Cluster III. These findings imply the need for cluster-based productive zakat allocation and financing schemes to strengthen zakat effectiveness as an Islamic social finance instrument.
Digital Green Carbon Trading Integrating Local Wisdom And Islamic Economy For Sustainable Development In Central Kalimantan Akbar, Wahyu; Fahreza Setiawan, Rahmad; Fauzi Aseri, Akh; -, Muhaimin; Riza Hafizi, M.
Indonesian Journal of Islamic Economics and Business Vol. 10 No. 2 (2025): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v10i2.5634

Abstract

This article discusses the potential of digital green carbon trading in Central Kalimantan based on local wisdom and Islamic economic principles. Carbon dioxide (CO₂) emissions remain the leading cause of global warming, primarily driven by industrial and human activities. The study highlights how integrating digital technology, such as blockchain-based carbon registries and online trading platforms, can enhance transparency, accountability, and community participation in carbon markets. By empowering Dayak communities through digital access to carbon credit trading, environmental protection becomes an inclusive economic opportunity. This research uses a descriptive-qualitative method with a literature-based approach involving references related to carbon trading, digital economy transformation, Dayak local culture, and Islamic economics. The findings reveal that combining digital innovation, local wisdom, and sharia-based economic values offers a sustainable model for managing natural resources. This synergy not only reduces carbon emissions but also promotes the economic welfare of forest-dependent communities and strengthens digital local economies aligned with Maqasid al-Shariah and the Sustainable Development Goals (SDGs).
Al-Syaibānī Conception of Work in Kitāb al-Kasb and the Relevance to Gig Economy Aufa, Naufatti; Akbar, Wahyu; Monady, Hanief; Hafizi, Muhammad Riza; Muhaimin
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 13 No. 1 (2026): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v13i1.51601

Abstract

Gig economy, often promoted as a flexible labor solution, has led to structural issues including worker vulnerability, unequal relationships, and a diminished sense of work. This research analyzes the relevance of al-Imām al-Syaibānī concept of work through the Al-Kasb framework as a normative critique of gig economy practices and an ethical foundation for the digital economy. A normative-historical literature review method addresses the gap between gig economy's conceptual suitability with Islamic values and persistent empirical problems. Analysis includes critical reading of the Book of Al-Kasb, review of contemporary gig economy literature, and thematic analysis mapping conceptual correspondences. Results reveal three main points of convergence: the link between self-resilience and farḍu ‘ayn, consistency of workforce diversity with farḍu kifāyah, and conceptual alignment between platform symbiosis and mu'āwanah principle. However, the core issue lies in the failure to internalize Al-Kasb's spiritual-ethical dimensions within platform work practices. Theoretical contributions expand Al-Kasb as a framework for evaluating digital work. Practically, findings suggest strengthening gig workers' spirituality, enhancing platform social responsibility, and formulating justice-oriented protection policies. This research is limited by the absence of empirical testing on Muslim gig workers' subjective experiences.
Co-Authors Abas, Mujiburohman Abul Abdul Jamil Afani, Moh. Ahmad Hanafi Akbar, Wahyu Al Hujjah Asianingrum Alex Fahrur Riza Ali Sadikin Amalina Putri Syahira Anggraeni, Rara Annisa Mahfuzah ANNISA SAYYID Arif Mubarok Asyahri, Yusuf Atika Zahra Aufa, Naufatti Aulia, Deanti Aviva, Itsla Yunisva Ayu Indira A’ang Adi Putra Barlian, Noer Aisyah Barlian Darmawan, Mualim Deanti Aulia Diah Wulandari Dyah Sulistiyo Rimbodo El Wafa, Faqih Enriko Tedja Sukmana Enriko Tedja Sukmana Enriko Tedja Sukmana Enriko Tedja Sukmana, Enriko Tedja Fadlil Abdani Fahreza Setiawan, Rahmad Farid, Fuad Muhajirin Fauzi Aseri, Akh Fidiyaningsih, Yani Fuad Muhajirin Farid Gelu Savira Dwi Cahyani Geovani, Andrea Gita Cahyani Guntur Kusuma Wardana Guntur, Guntur Kusuma Wardana Hadi, Hadi Isman Haidi Hajar Widagdo Hakim, Sofyan Halipah, Nor Hanief Monady Hasnita Handayani Hasnita Hasnita Hasnita Hasnita Himawan, Hilmi Satria Insani, Jihan Dwi Isra Misra Iyah Jalaluddin Jamilah Jamilah Jefry Tarantang Jelita Jelita jelita, jelita Karina Awalia Zahra Lina Kurniawati Lusy Nur Misnaningsih M. Ihsan Nur Rasid Mafrudhoh, Sokhifatul Majeed, Ali Nazar Mariatul Jannah Misnaningsih, Lusy Nur Misra, Isra Muhaimin Muhaimin - Muhammad Noval Muhammad Zainal Arifin, Muhammad Zainal Mutmainah Mutmainah Nita Oktaviana Nur Aisah Nur Fuadi Rahman Nurmala, Putri Oktaviana, Nita Priansyah, Dodi Purwaningsih, Umi Putri Mei Ismil Kholifah Putri Nurmala Putri, Danisha Yoananda Rahmad Kurniawan Rahman, Zainur Riska Agustin Rivaldo, Ahmad Roudhatul Amalia Safitri, Aulia Ramadhanti Safitri, Novi Angga Salsabila, Nur Siara Zazkia Juliana Putri Sidauruk, Verina Rosalin Br Sirajul Arifin Siti Kalimah Sofyan Hakim Sofyan Hakim Sofyan Hakim Solly Aryza Sukarni Suriyani, Elma Susiana Susiana Umi Purwaningsih Wahyu Akbar Wehdawati Wehdawati Yeni Rahkmawati Zulkifli Zulkifli