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Faktor-Faktor yang Mempengaruhi Kinerja Lembaga Keuangan Mikro Syariâ€™ah dengan Menggunakan Metode Indonesia Zakat Development Report (IZDR) Zamzami, R. Mohd.; Zuhri, Saifudin
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2015): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v6i2.1-21

This research aims to measure the performance of BMT Hudatama and UJKSAl-Hidayat as two Islamic Microfinance Institutions in Semarang, CentralÂ Java. Research method used in this study is performance measurement toolsÂ issued by Indonesia Magnificence of Zakat (IMZ) in Indonesia Zakat andÂ Development Report (IZDR) in 2011. This method includes five measurementÂ indicators; 1) Islamic compliance, legality, and institutional performances;2) Management performance; 3) Financial performance; 4) EconomicÂ efficiency; and 5) Social legitimacy performance. This study used primaryÂ and secondary data. Primary data were taken from interview and BMTÂ Hudatama and Islamic Financial Service Unit of Al-Hidayaatâ€™s annual report.Â Secondary data were obtained from review of related literature. TheÂ comparison between the two institutions indicates that BMT Hudatama isÂ better than UJKS AL-Hidayat in terms of its performance. However, theÂ comparison with U test or Mann whitney U Test indicates that there is noÂ significant difference between the performace of the two institutionsPenelitian ini bertujuan untuk mengukur kinerja Lembaga Keuangan Mikro Syariâ€™ah (LKMS) yaitu BMT Hudatama dan UJKS Al-Hidayaat di Kab/KotaSemarang Jawa Tengah. Metode yang digunakan adalah metode pengukurankinerja prima yang dikeluarkan oleh Indonesia Magnificence of Zakat (IMZ)dalam Indonesia Zakat and Development Report (IZDR) 2011 mencakuplima indikator pengukuran yaitu: 1) Kinerja kepatuhan syariâ€™ah, legalitasdan kelembagaan, 2) Kinerja Manajemen, 3) Kinerja Keuangan, 4) KinerjaPendayagunaan Ekonomi, dan 5) Kinerja Legitimasi Sosial. Penelitian inimenggunakan data primer dan data sekunder. Data primer diperoleh dariwawancara dan laporan tahunan dari BMT Hudatama dan Unit Jasa KeuanganSyariâ€™ah Al Hidayaat. Sedangkan data sekunder diperoleh dengan melakukanstudi literatur yang berkaitan dengan penelitian.Dalam perbandingan kinerjaprima BMT Hudatama lebih baik dari UJKS Al-Hidayaat. Namun dalamperbandingan dengan menggunakan uji U atau Mann whitney U Test untukmelihat signifikansi perbedaannya, didapatkan tidak ada perbedaan yangsignfikan kinerja prima BMT Hudatama dan UJKS Al-Hidayaat

Pengaruh Saham, Sukuk, Dan Reksadana Syariah Terhadap Pertumbuhan Ekonomi Indonesia Dengan Inflasi Sebagai Variabel Moderasi Periode 2012-2020 Juni Kartika, Fidya; Zamzami, R. Mohd.
Jurnal Syntax Fusion Vol 2 No 10 (2022): Jurnal Syntax Fusion: Jurnal Nasional Indonesia
Publisher : CV RIFAINSTITUT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54543/fusion.v2i10.283

This study aims to determine the effect of stocks, sukuk, Islamic mutual funds on Indonesia's economic growth with inflation as a moderating variable. The sample used in this study is quarterly report data from the Financial Services Authority for 9 (nine) years, namely from the first quarter of 2012 to the second quarter of 2020 for stocks, sukuk, and sharia mutual funds. Meanwhile, the rate of economic growth in Indonesia is seen from GDP and inflation using published report data from the Central Statistics Agency for 9 (nine) years from the first quarter of 2012 to the second quarter of 2020. The total sample data for this study were 34 quarterly data reports. The data collection method used is secondary data, which is data that is ready to be published by related parties or agencies and can be directly used by researchers. This study uses data taken from the statistical reports of the Financial Services Authority (OJK) and the Central Statistics Agency (BPS). The analysis technique used in this research is descriptive analysis, classical assumption test, multiple linear regression analysis, coefficient of determination test, f test and t test, Moderate Regression Analysis (MRA) with test tools namely Statistical Product and Services Solutions (SPSS) version 23.From the results of the analysis of the f test (simultaneous) shows that stocks, sukuk, Islamic mutual funds have a positive effect on Indonesia's economic growth. The results of the t test analysis (partial) show that Islamic stocks have a positive effect on Indonesia's economic growth, sukuk has a positive effect on Indonesia's economic growth, Islamic mutual funds have no effect on Indonesia's economic growth, inflation cannot moderate the relationship between Islamic stocks and Indonesia's economic growth, inflation does not can moderate the relationship between Sukuk and Indonesian Economic Growth. Inflation cannot moderate the relationship between Sharia Mutual Funds and Indonesian Economic Growth.

EFFECT OF IJARAH REVENUE, MUDHARABAH FINANCING AND THIRD-PARTY FUNDS ON THE PROFITABILITY OF ISLAMIC COMMERCIAL BANKS Addawami, Ali Nafi’; Zamzami, R. Mohd.
CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Vol. 1 No. 3 (2022): APRIL 2022
Publisher : Transpublika Publisher

This research aims to analyze and empirically test the influence of ijarah revenue, mudharabah financing and third-party funds to the profitability of ROA of Islamic Commercial Bank contained in the Financial Services Authority for the 2016-2020 period. The research method used is a quantitative research method because this study uses numbers with statistical calculations and aims to test the hypotheses that have been made. The independent variables in this study were ijarah revenue, mudharabah financing and third-party funds while the dependent variable in this study was profitability (ROA). The research population is Islamic banking registered with the Financial Services Authority (OJK) in 2016-2020, with sample selection using purposive sampling techniques. Therefore, data on the monthly financial statements of Islamic Commercial Banks were obtained which were summarized in the Islamic Banking Statistics for the period 2016-2020, so that 60 research samples were obtained. Data collection techniques in this research use documentation and literature studies. The data analysis techniques used in this study are descriptive statistics, multiple regression analysis, classical assumption tests, determination coefficient tests and hypothesis testing using the EViews 12 analysis tool. Test F results show that ijarah revenue, mudharabah financing and third-party funds simultaneously have a significant effect on profitability (ROA). Meanwhile, T test reveals that ijarah revenue partially had a positive and significant effect on profitability (ROA), while mudharabah financing partially had a negative and significant effect on profitability (ROA) and third-party funds partially had a positive and significant effect on profitability (ROA).

THE INFLUENCE OF INCOME, ACCOUNTABILITY, AND TRANSPARENCY ON THE CILEUNGSI COMMUNITY'S INTEREST IN PAYING ZAKAT THROUGH KITABISA.COM Muroqobatullah, Shofura; Zamzami, R. Mohd.
CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Vol. 1 No. 4 (2022): JULY 2022
Publisher : Transpublika Publisher

This study aims to determine the effect of income, accountability and transparency in the Cileungsi citizen intention of paying zakat through Kitabisa.com. Population in this research is all Cileungsi citizen with the sample is 400 people. This research uses quantitative method and uses primer data. From this research independent variable income (X1) positively and significantly affect the intention of paying zakat through Kitabisa.com, independent variable accountability (X2) has positively and significantly affected the intention of paying zakat through Kitabisa.com, and the last independent variable transparency (X3) has positively and significantly affected the intention of paying zakat through Kitabisa.com. Simultaneously the results show that the variables of income, accountability and transparency affect interest and affect the interest dependent variable in paying zakat through Kitabisa.com about 46.8%.

EFFECT OF RUPIAH EXCHANGE RATE, BI RATE AND MONEY SUPPLY ON THE NET ASSET VALUE OF SHARIA MUTUAL FUNDS: (Empirical Study on Sharia Mutual Funds Registered by the Financial Services Authority in 2016 - 2020) Feliyawanti; Zamzami, R. Mohd.
CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Vol. 1 No. 4 (2022): JULY 2022
Publisher : Transpublika Publisher

The purpose of this study is to analyze the effect of Rupiah Exchange Rate, BI Rate and Money in Circulation on the Net Asset Value of Islamic Mutual Funds. This research was conducted on Islamic mutual fund companies registered with the Financial Services Authority (OJK) in the period from 2016 to 2020. The sampling technique used in this study was a time series. This study used a quantitative approach and multiple linear regression analysis methods with SPSS version 25 and Microsoft Excel 2010. The results showed that the Rupiah Exchange Rate (Exchange Rate), BI Rate, and Money Supply simultaneously affected the NAV of Islamic Mutual Funds. The results of this study also show that partially the rupiah exchange rate and BI rate do not affect the NAV of Islamic Mutual Funds, and partially the money supply affects the NAV of Islamic Mutual Funds.

THE EFFECT OF THIRD PARTY FUNDS, NON-PERFORMING FINANCING AND OPERATING EXPENSES OF OPERATING INCOME ON FINANCIAL PERFORMANCE: (Empirical Study of Sharia Commercial Banks for the Period 2016-2020) Heranita; Zamzami, R. Mohd.
CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Vol. 1 No. 4 (2022): JULY 2022
Publisher : Transpublika Publisher

This study intends to investigate the influence of Third Party Funds, Non-Performing Finance (NPF), and Operating Income (BOPO) on Financial Performance, as measured by Return On Assets (ROA). This study's population consists of Sharia Commercial Banks registered between 2016 and 2020 with the Financial Services Authority (OJK). This study drew samples from seven Islamic commercial banks using a method of purposive sampling. Obtained sample data as much as 35 data. The data utilized for this study are secondary data. This type of research is causal associative with a quantitative approach method. Multiple linear regression analysis with a 5% significance level is the technique employed. This research is processed using Eviews 12 software. The results show that (1) Third Party Funds have a significant effect on Financial Performance (2) Non-performing Financing Results have no effect on Financial Performance, (3) Operating Expenses Operating Income has a significant effect on Financial Performance. (4) Third Party Funds, Non-performing Financing, and BOPO have a joint influence on Financial Performance. In the coefficient of determination of the variable TPF, Non-performing Financing and BOPO have an influence of 72% on Financial Performance while 28% is influenced by other factors beyond this study.

ANALYSIS OF EFFICIENCY OF PRODUCTION AT SMALL EMBOIDERY INDUSTRY IN REGENCY OF KUDUS Zuhri, Saifudin; Zamzami, R. Mohd.
EAJ (Economic and Accounting Journal) Vol. 1 No. 1 (2018): EAJ (Economic and Accounting Journal)
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/eaj.v1i1.y2018.p35-42

This research aimed at analyzing factors influencing embroidery production and its efficiency at small emboidery industry in Kudus. A total respondent of this research was 108 taken using multi-stages sampling technique. In addition, 10 keypersons determined by purposive sampling were taken from competent stakeholders in embroidery business. Technical efficiency analysis by using stochastic Frontier Production Function was done to know the small embroidery industry whether it is efficient or not. The research findings showed that factors influencing the production of small embroidery industries in Kudus Regency consist of labor, raw materials, auxiliary materials, electricity, machinery and equipment, and they all have a positive and significant effect on the production of small embroidery industry. While the results of the calculation of production efficiency showedthat the level of technical efficiency of small embroidery industry doers in the research area is not efficient with an average value of less than 1 (0.9538).

Islamic rural bank mission drift: Equity financing vs debt-based financing Afriadi, Fiqih; Pranoto, Pranoto; Kurniawaty, Erlita; Zamzami, R. Mohd.
Jurnal Ekonomi & Keuangan Islam Volume 10 No. 1, January 2024
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol10.iss1.art4

Purpose – This study aims to compare the depth of outreach, financial performance, and trade-off between the depth of outreach and financial performance (mission drift) between equity financing and debt-based financing in Indonesian Islamic Rural Banks.Methodology – We compare the depth of outreach and financial performance using descriptive statistics and explore mission drift comparisons using OLS time series. Findings – The depth of the outreach comparison shows that debt-based financing performs better. However, equity financing outperforms financial performance. The regression results show mission drift in Musharaka and Multiservice financing, indicating that both sides have mission drift. However, there is no mission drift in Murabaha financing, which constitutes the majority of financing in Indonesian Islamic Rural Banks. Murabaha financing synchronously demonstrates excellent depth of outreach and financial performance.Implications – Islamic Rural Banks in Indonesia need product innovation in equity financing to obtain a better depth of outreach and avoid mission drift. The simplicity of the practice in Murabaha can be a reference for product innovation in Islamic Rural Banks, while the government can support Indonesian Islamic Rural Banks' product innovation by providing appropriate regulations.Originality – This study seeks to fill the comparison gap between mission drifts in Indonesian Islamic rural bank financing. There is a limitation in studies of Islamic rural bank financing mission drifts in Indonesia since the comparison of mission drift deals only with Islamic microfinance at a global level.

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