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All Journal al-Uqud : Journal of Islamic Economics Jurnal Ekonomi & Keuangan Islam Airlangga International Journal of Islamic Economics and Finance Journal of Accounting Research, Organization and Economics (JAROE)
Yatoo, Nissar Ahmad
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Economics, Econometrics & Finance Social Sciences

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The Islamization of Economic Systems: A Methodological Approach Mi'raj, Denizar Abdurrahman; Yatoo, Nissar Ahmad
al-Uqud : Journal of Islamic Economics Vol 4, No 1 (2020): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (381.227 KB) | DOI: 10.26740/al-uqud.v4n1.p83-103

Abstract

This paper is an attempt to discuss Islamization of economics in historical perspective. Focus of the discussion is not only the Islamization of economics but also realization of an Islamic economic system. This research is based on library research methods and supported by historical analysis. Conclusive information was collected from various studies and analysed for the conception of implementing methodological steps to realize the Islamization of the economic system. Studies were reviewed and investigated in three stages: general, exploratory, and focused learning. The findings of this study reveal that Islamization of economics cannot stand alone without the Islamization of every Muslim and the Islamization of society. Like Islamization of a society is realized with organization of Muslim families, Islamization of economics can be realized by increasing the number of economists who have knowledge of sharia.
SOLUTIONS TO CHALLENGES OF ISLAMIC BANKING IN GHANA: A QUALITATIVE STUDY IBRAHIM, ABDUL-SOMED; Yatoo, Nissar Ahmad
Airlangga International Journal of Islamic Economics and Finance Vol. 7 No. 01 (2024): JANUARY-JUNE 2024
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/aijief.v7i01.54815

Abstract

Abstract The purpose of this study is to propose solutions to challenges affecting the take-off of Islamic banking implementation in Ghana. The research is qualitative research that uses interview to measure the opinions of a sample of 10 experts with Islamic finance background conveniently and purposively selected from higher learning/research institutions in Ghana and abroad. The data analysis is thematically done. The findings from the research propose human resource development, collaboration among stake-holders, high advocacy, comprehensive framework and top-down approach as solutions. The interviewees are dominated by Muslims and this should be considered before generalization over the entire country. Islamic banking can be implemented in Ghana if deliberate efforts are made to implement the proposed solutions. The study is the first of its kind in interviewing both local and foreign experts on solutions to the challenges of IBF in Ghana. This study will contribute to the meager literature on Islamic banking.
Islamic Finance in Ghana: Can MSMEs Benefit? Abdul-Somed, Ibrahim; Yatoo, Nissar Ahmad; Yusif, Geofrey
Journal of Accounting Research, Organization and Economics Vol 7, No 3 (2024): JAROE Vol. 7 No. 3 December 2024
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jaroe.v7i3.37011

Abstract

Objective The purpose of this study is to examine the potential benefits of the implementation of Islamic Banking and Finance (IBF) in Ghana and opportunities for businesses using MSMEs as data source.Design/Methodology Primary data were obtained using questionnaires, where 400 questionnaires were distributed to MSMEs operators with a final sample of 308 respondents. The data collected were analyzed with SPSS 26.0 and the results were discussed.Results The findings reveal that MSMEs (businesses) are yearning for Islamic banking to reap several benefits such as alternative sources of funding, alternative source of savings, reduction of loan defaults and acceptance of Islamic banking among MSMEs. In addition, more males responded compared to females likewise majority of respondents are Muslims.Research limitations/implications majority of the respondents were Muslims though Islam is a minority religion in Ghana, hence may not reflect the views of the entire Ghanaian population.Novelty/Originality This study is the first of its kind in Ghana in terms of the data source and size of the sample used. This study is also a contribution to the limited literature of IBF in Ghana. The outcome of the study will guide government to design framework for IBF takeoff in Ghana.
Unlocking the synergy between intellectual capital and cost efficiency in Islamic bank Hadi, T. Saipul; Laila, Nisful; Yatoo, Nissar Ahmad
Jurnal Ekonomi & Keuangan Islam Volume 10 No. 2, July 2024
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol10.iss2.art1

Abstract

Purpose – This study examines the contribution of intellectual capital (IC) to Islamic banks’ cost efficiency.Methodology – The data envelopment analysis (DEA) method uses an intermediation approach to measure the cost efficiency of Islamic banks and modified value-added intellectual capital (MVAIC) as a measurement of IC. The sample of this research comprises 11 Islamic commercial banks registered with the financial services authority (Otoritas Jasa Keuangan, OJK) and operating from to 2014-2023. This research method uses the system generalized method of moments (SGMM) regression to analyze the impact of IC on the cost efficiency of Islamic banks. Findings – The results showed that IC positively affects the cost efficiency of Islamic banks in Indonesia. Another finding is that human capital (HC) contributes significantly to improving the cost efficiency of Islamic banks. structural capital (SC), capital employed (CE), and relational capital (RC) do not affect the cost efficiency of Islamic banks.Implications – This research implies that Islamic banks can determine which IC components require additional investment to improve efficiency and provide future Islamic banking performance-oriented towards new technology.Originality – This study seeks to fill the gap in previous research by analyzing the impact of IC and its components on the cost efficiency of Islamic banks.
Co-Authors Abdul-Somed, Ibrahim Hadi, T. Saipul IBRAHIM, ABDUL-SOMED Mi'raj, Denizar Abdurrahman Nisful Laila Yusif, Geofrey