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All Journal MUQTASID Jurnal Ekonomi & Keuangan Islam EAJ (ECONOMICS AND ACCOUNTING JOURNAL) Jurnal Syntax Fusion : Jurnal Nasional Indonesia
Zamzami, R. Mohd.
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Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Social Sciences

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Faktor-Faktor yang Mempengaruhi Kinerja Lembaga Keuangan Mikro Syari’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

Abstract

This research aims to measure the performance of BMT Hudatama and UJKSAl-Hidayat as two Islamic Microfinance Institutions in Semarang, Central Java. Research method used in this study is performance measurement tools issued by Indonesia Magnificence of Zakat (IMZ) in Indonesia Zakat and Development Report (IZDR) in 2011. This method includes five measurement indicators; 1) Islamic compliance, legality, and institutional performances;2) Management performance; 3) Financial performance; 4) Economic efficiency; and 5) Social legitimacy performance. This study used primary and secondary data. Primary data were taken from interview and BMT Hudatama and Islamic Financial Service Unit of Al-Hidayaat’s annual report. Secondary data were obtained from review of related literature. The comparison between the two institutions indicates that BMT Hudatama is better than UJKS AL-Hidayat in terms of its performance. However, the comparison with U test or Mann whitney U Test indicates that there is no significant difference between the performace of the two institutionsPenelitian ini bertujuan untuk mengukur kinerja Lembaga Keuangan Mikro Syari’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 syari’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 KeuanganSyari’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

Abstract

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.
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

Abstract

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

Abstract

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.
Co-Authors Afriadi, Fiqih Juni Kartika, Fidya Kurniawaty, Erlita PRANOTO Saifudin Zuhri