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DAMPAK MAKROEKONOMI TERHADAP PROFITABILITAS PERBANKAN SYARIAH DI INDONESIA Rizal, Fitra; Humaidi, Muchtim
El-Barka: Journal of Islamic Economics and Business Vol 2, No 2 (2019)
Publisher : IAIN Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v2i2.1800

Abstract: Islamic banking in Indonesia has developed, but the target of market share of 5% can not be achieved. These conditions caused the profitability of Islamic banking being very interesting to study. This study was conducted to examine the effect of Macroeconomic indicators as measured by Inflation, Exchange Rate and Gross Domestic Product to the Return on Asset of Islamic Banking in Indonesia. Population of this study is all of sharia commercial bank and sharia operational unit during nine years of the study since 2005 till 2013. The data in this study are secondary data that contains of Inflation, Exchange Rate, Gross Domestic Product and Return on Asset obtained from sharia banking statitics and monetery data that had been published by Bank Indonesia. This study use double linier regretion method with clasic assumption test. This study proved that Inflation, Exchange Rate and Gross Domestic Product simultaneously have significant effect to Return on Asset of Islamic banking in Indonesia. Partially, only the Gross Domestic Product variable has the positive and significant effect to Return on Asset of Islamic banking in Indonesia, while Inflation and Exchange Rate variable have no significant effect. ??????: ???? ????? ?????? ????????? ?? ????????? ????? ???????? ??? ?? ??? ????? ????? ??????? ????????? ????? ??? 5?. ??? ??? ?????? ??? ?? ???? ?????? ????????? ????? ???????? ??????? ???????. ??? ??? ??????? ?????? ??? ????? ?????? ???????? ????? ??????? ?????? ?????? ???? ????? ??????? ?????? ???????? ??? ?????? ??? ?????? ?????? ????????? ?? ?????????. ??? ???? ????? ?? ??? ??????? ???? ???? ?????? ???????? ????????? ?????? ??????? ????????? ???? ??? ??????? ?? ????? ??? 2005 ??? 2013. ???????? ????????? ?? ??? ??????? ?? ???????? ????????? ??? ?????? ?????? ????? ??????? ?????? ???????? ??????? ??? ?????? ???? ??? ????? ?? ??????? ?????? ????????? ????????? ??????? ???? ????????? ???? ?? ?????. ????? ??????? ????????? ?? ???????? ????? ???????. ???? ??? ??????? ?? ?????? ???? ????? ??????? ?????? ???????? ???? ?? ????? ???? ??? ?????? ??? ?????? ?????? ????????? ?? ?????????. ????? ??????? ??? ?????? ?????? ???????? ??? ?? ????? ?????? ???? ??? ?????? ??? ?????? ?????? ????????? ?? ????????? ? ?? ??? ?? ?????? ???????? ??? ??? ????? ????. Abstrak: Perbankan syariah di Indonesia mengalami perkembangan, tetapi target pangsa pasar sebesar 5% belum dapat tercapai. Kondisi tersebut mengakibatkan profitabilitas perbankan syariah menjadi sangat menarik untuk diteliti. Penelitian ini dilakukan untuk mengetahui pengaruh indikator Makroekonomi yang diukur dengan Inflasi, Kurs dan Produk Domestik Bruto terhadap Return on Asset perbankan syariah di Indonesia. Populasi dalam penelitian ini adalah seluruh bank umum syariah dan unit usaha syariah selama sembilan tahun penelitian 2005 sampai 2013. Data yang digunakan dalam penelitian ini adalah data sekunder yaitu data Inflasi, Kurs, Produk Domestik Bruto dan Return on Asset yang diperoleh dari Statistik Perbankan Syariah dan data moneter Bank Indonesia yang dipublikasikan oleh Bank Indonesia. Teknik analisis yang digunakan adalah regresi linier berganda. Penelitian ini membuktikan bahwa variabel Inflasi, Kurs dan Produk Domestik Bruto secara simultan memiliki pengaruh yang signifikan terhada Return on Asset perbankan syariah di Indonesia. Sedangkan secara parsial, hanya variabel Produk Domestik Bruto yang berpengaruh positif dan signifikan terhadap Return on Asset perbankan syariah di Indonesia, sementara variabel Inflasi dan Kurs tidak berpengaruh siginfikan.

Filantropi Pada Masyarakat Multikultural (Studi Kasus di Desa Klepu Kec. Sooko Kab. Ponorogo) Jannah, Unun Roudlotul; Humaidi, Muchtim
ZISWAF Vol 7, No 1 (2020): ZISWAF: JURNAL ZAKAT DAN WAKAF
Publisher : State Islamic Institute of Kudus (IAIN Kudus)

Ponorogo is a district that has many faith-based philanthropic institutions. One of them is Klepu Village, Sooko Subdistrict which is the oldest village of Christianity but the majority of the population is Muslim. Klepu Village as the central target of various institutions engaged in religious based philanthropy, both Islam and Christianity. The research was conducted, first, by different institutions with the same object; second, on the philanthropic institution in the midst of a multicultural society; third, by various institutions lives harmony in the community. In addition, this research also aimed to find out how fundraising activity is carried out for the sustainability of each institution's program. Religious-based philanthropic institutions cannot be separated from supporting and inhibiting factors. Supporting factors include the values of religiosity, awareness, support, commitment, dedication, and community participation to realize philanthropic programs without any clash between existing philanthropic institutions. Meanwhile, they face the same inhibiting factors that is limited funds to raised their program. Referring to the study findings, it can be concluded that the philanthropic program shown by religious-based philanthropic institutions, namely Islamic Religious Instructor, BMH, and DPP, are included in traditional philantrophy which approach is to fulfill the basic needs (food, clothing, health and education). While social justice philanthropy becomes the orientation of the Ministry of Religion, Islamic Extension Workers, and LMI, which focus on assistancing to empower people to have a long-term impact. With these two philanthropic models, the resulting impact is harmony living and economic independence in the multicultural Klepu society.

Islamic Economic Perspective on The Implementation of Zakat in Promoting Economic Growth Ainia, Zawida; Humaidi, Muchtim
ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 15, No 1 (2024)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v15i1.615

This study aims to find out how the implementation of zakat in encouraging economic growth. The research method used in this study is qualitative type with a descriptive approach method. The data collection technique uses library research techniques. To increase the economic growth of the community, what must be done by the BAZNAS institution is to emphasize the function of zakat. The inhibiting factors in the implementation of zakat to help increase economic growth are caused by several factors, namely, knowledge about the importance of zakat has not been well socialized, and there is still a lack of muzakki trust in amil zakat in zakat management. Furthermore, zakat also plays a role in economic growth. With the zakat given to mustahiq, the purchasing power of an item will increase and have an impact on increasing the production of a company which means there will be an increase in production capacity and can add to the country's economy aggressively.

Analisis Tingkat Kesehatan Bank Syariah di Indonesia 2015-2020 Rizal, Fitra; Humaidi, Muchtim
Etihad: Journal of Islamic Banking and Finance Vol. 1 No. 1 (2021)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v1i1.2733

This study aims to determine the soundness level of Islamic Commercial Banks (BUS) in Indonesia using the Risk Based Bank Rating (RBBR) method or better known as the RGEC method, includes the Risk Profile, Earning and Capital BUS in Indonesia 2015-2020. This type of research is a descriptive study with a qualitative approach. The results showed that, the average NPF BUS 2015-2020 ratio was 3.99%, indicating that BUS was in the healthy predicate. The smaller the NPF, the healthier the bank. The average ROA ratio of BUS 2015-2020 is 1.03%, indicating that BUS is in a fairly healthy predicate. The greater the ROA, the healthier the bank. And the average CAR 2015-2020 ratio of 18.73% indicates that BUS is in a very healthy predicate. The bigger the CAR, the healthier the bank. This fact shows that the performance of BUS in Indonesia needs to be improved so that the profit (ROA) is maximized.Penelitian ini bertujuan untuk mengetahui tingkat kesehatan Bank Umum Syariah (BUS) di Indonesia dengan metode Risk Based Bank Rating (RBBR) atau yang lebih dikenal sebagai metode RGEC, mencakup Risk Profile, Earning dan Capital BUS di Indonesia 2015-2020. Jenis penelitian yang digunakan adalah penelitian deskriptif dengan pendekatan Kualitatif. Hasil penelitian menunjukkan bahwa, rata-rata rasio NPF BUS 2015-2020 sebesar 3,99 % menunjukkan bahwa BUS dalam predikat Sehat. Semakin kecil NPF maka bank semakin sehat. Rata-rata rasio ROA BUS 2015-2020 sebesar 1,03 % menunjukkan bahwa BUS dalam predikat cukup sehat. Semakin besar ROA maka bank semakin sehat. Dan rata-rata rasio CAR BUS 2015-2020 sebesar 18,73 % menunjukkan bahwa BUS dalam predikat sangat sehat. Semakin besar CAR maka bank semakin sehat. Fakta tersebut menunjukkan bahwa kinerja BUS di Indonesia perlu ditingkatkan agar keuntungan (ROA) yang diperoleh semakin maksimal.

Can the Halal and CHSE Certificate Improve the Intention Visit to the Restaurant?: Empirical Studies in Halal Restaurant in Tourism Area Lombok Island rofiqo, azidni; Humaidi, Muchtim
El Barka Vol. 7 No. 2 (2024)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v7i2.7083

This study aims to investigate the effect of CHSE and Halal certification on tourist intentions to visit halal restaurants in the halal tourism area of Lombok Island. It is crucial as it represents the first comprehensive investigation into the interaction between CHSE certification and halal certification in the context of behavioral studies. This study uses a quantitative approach, namely the structural equation model-partial least square with a Likert scale survey with a total of 100 Muslim tourists as respondents. The findings of this study indicate that CHSE certification does not exert a direct influence on intention; however, it does impact intention indirectly through the mediation of trust. In contrast, halal certification demonstrates a significant positive effect on tourist intentions, both directly and indirectly, with trust serving as a mediating variable. This research recommends that the government continue promoting CHSE and halal certification among halal tourism entrepreneurs. Additionally, given the limited sample size of respondents in this study, future research should aim to encompass a broader demographic across Indonesia.

Strategi Fundraising “Program KOIN” BAZNAS dalam Masa Pandemi COVID-19 di Kabupaten Ngawi Al Khudori, Mahfud; Humaidi, Muchtim
Nidhomiya: Research Journal of Islamic Philanthropy and Disaster Vol. 1 No. 2 (2022): Islamic Philanthropy and Disaster
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/nidhomiya.v1i2.1345

The fundraising of “KOIN Program” of BAZNAS uses direct and indirect strategies to increase the generation this program, one of them is by rising awareness of government agencies and entrepreneurs. This study aims to determine the fundraising strategy also the supporting and the inhibiting factors of “KOIN Program” of BAZNAS in Ngawi Regency. This study uses descriptive qualitative method. Field research is the term for this type of research. Interviews, observations, and documentation were techniques used to obtain the data. The findings of this study were analyzed using a deductive approach, which begins with broad statements then leads to specific conclusions. The results of the study show that the fundraising strategies implemented by BAZNAS in Ngawi Regency during the COVID-19 pandemic are pick-up fundraising and fundraising at local government events. The inhibiting factors for the implementation of fundraising is the lack of public and official government officers’ awareness regarding BAZNAS’s “KOIN Program” and there is competition with other institutions. While the supporting factors of the program are BAZNAS received full support from government agencies and entrepreneurs in Ngawi Regency. Fundraising “Program KOIN” BAZNAS menggunakan strategi langsung dan tidak langsung untuk meningkatkan hasil fundraising program ini, salah satunya dengan menambahkan sosialisasi ke instansi pemerintah dan pengusaha. Penelitian ini bertujuan untuk mengetahui strategi fundraising dan faktor pendukung serta penghambat “Program KOIN” BAZNAS di Kabupaten Ngawi. Penelitian ini menggunakan metode deskriptif kualitatif. Penelitian lapangan adalah istilah untuk jenis penelitian ini. Teknik wawancara, observasi, dan dokumentasi digunakan untuk memperoleh data penelitian. Hasil penelitian ini dianalisis dengan menggunakan pendekatan deduktif yang dimulai dengan pernyataan yang luas, kemudian mengarah kepada kesimpulan yang spesifik. Hasil kajian penelitian menunjukkan bahwa strategi fundraising “Program KOIN” yang dilaksanakan BAZNAS Kabupaten Ngawi pada masa pandemi COVID-19 adalah: fundraising jemput bola dan fundraising di acara-acara pemerintah daerah. Faktor penghambat dari pelaksanaan fundraising adalah kesadaran masyarakat dan ASN mengenai “Program KOIN” BAZNAS yang masih kurang dan persaingan dengan lembaga lain. Sedangkan, faktor pendukung program adalah BAZNAS mendapat dukungan penuh dari instansi pemerintah dan pengusaha-pengusaha di Kabupaten Ngawi.

Optimalisasi Pendistribusian Zakat dalam Meningkatkan Kesejahteraan Mustahik di BAZNAS Kabupaten Madiun Rochmawati, Ika; Humaidi, Muchtim
Nidhomiya: Research Journal of Islamic Philanthropy and Disaster Vol. 2 No. 1 (2023): Islamic Philanthropy and Disaster
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/nidhomiya.v2i1.2017

Zakat is a potential resource for Muslim development. There are many zakat management institutions. However, many of them are still not optimal in their distribution. One of them is BAZNAS of Madiun Regency. This research focused on three things. They are the optimization of zakat distribution, the supporting and the inhibiting factors of zakat distribution, and the impact of zakat distribution to improve community welfare in BAZNAS of Madiun Regency. The type of research used is field research. This study uses a qualitative approach. The research was performed at BAZNAS of Madiun Regency. The data was collected using interviews, observations, and interview techniques. Based on the results, the implementation of zakat distribution is still not best shown by the uneven distribution of zakat. There are still people from the ashnaf groups who have not received zakat. But BAZNAS of Madiun Regency only gave zakat to 20 mustahik to each village. The supporting factor in improving mustahik welfare at BAZNAS of Madiun Regency is its programs that are attractive to the community. In addition, BAZNAS of Madiun Regency and the local government established a good relationship. It demonstrates the professionalism of Madiun Regency BASNAS human resources. The inhibiting factors are the lack of supervision, guidance, and evaluation from BAZNAS of Madiun Regency regarding zakat distribution. Coordination between BAZNAS of Madiun Regency and the local government experienced human errors. And there is road damage to access some of mustahik’s houses. The impact of zakat distribution on the mustahik welfare at BAZNAS of Madiun Regency is still less effective as not all mustahik are already able to develop their businesses. Zakat merupakan salah satu sumber potensi pembangunan umat muslim. Banyak lembaga pengelola zakat, tetapi tidak sedikit yang belum optimal dalam pendistribusiannya. Salah satunya adalah BAZNAS Kabupaten Madiun. Penelitian ini difokuskan pada tiga hal, yaitu, optimalisasi pendistribusian zakat dalam meningkatkan kesejahteraan masyarakat, faktor-faktor pendukung dan penghambat pendistribusian zakat dalam meningkatkan kesejahteraan masyarakat, dan dampak pendistribusian zakat di BAZNAS Kabupaten Madiun. Jenis penelitian yang digunakan, yaitu penelitian lapangan. Penelitian ini menggunakan pendekatan kualitatif. Penelitian dilakukan di BAZNAS Kabupaten Madiun dengan teknik pengumpulan data menggunakan wawancara, observasi, dan wawancara. Berdasarkan hasil analisis data yang telah dilakukan menunjukkan bahwa dalam pelaksanaan pendistribusian zakat masih belum optimal. Hal ini ditunjukkan dengan pendistribusian zakat yang masih belum merata. Masih terdapat masyarakat yang termasuk ke dalam golongan 8 ashnaf yang belum mendapatkan zakat. Pada praktiknya, BAZNAS Kabupaten Madiun hanya memberikan zakat kepada 20 mustahik untuk tiap desa. Faktor-faktor pendukung dalam meningkatkan kesejahteraan mustahik di BAZNAS Kabupaten Madiun, yaitu program-program BAZNAS Kabupaten Madiun yang menarik bagi masyarakat. Selain itu, terjalinnya hubungan yang baik antara BAZNAS Kabupaten Madiun dengan pemerintah desa menggambarkan profesionalitas SDM BASNAS Kabupaten Madiun. Sementara itu, faktor-faktor penghambatnya adalah kurangnya pengawasan, pembinaan, dan evaluasi dari BAZNAS Kabupaten Madiun dalam hal pendistribusian zakat; koordinasi antara BAZNAS Kabupaten Madiun dengan pemerintah yang mengalami human error; dan kerusakan akses jalan menuju ke beberapa rumah mustahik. Dampak pendistribusian zakat terhadap kesejahteraan mustahik di BAZNAS Kabupaten Madiun dinilai kurang efektif sebab tidak semua mustahik telah mampu mengembangkan usahanya.

Teknik Analisis Proses Pembiayaan Produk Mutabarok Bunda Sejahtera Di Bank Pembiayaan Rakyat Syariah Magetan Diyah Susanti, Oktavia; Humaidi, Muchtim
Falahiya: Journal of Islamic Banking and Finance Vol. 2 No. 1 (2023)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/falahiya.v2i1.1057

Abstract: BPRS Magetan is a financial institution that uses the 5C principle in financing analysis. According to Lukman Dendawijaya, the 5C principle (Character, Capacity, Capital, Collateral, Condition of the economy) is the main factor for financing analysis. However, implementing the financing analysis conducted by BPRS Magetan is unique. Namely, it only uses the 4C principle, except for the Collateral principle, to conduct financing analysis. So, it needs to be explored more deeply because it is not following the 5C principle theory that has been put forward. This study aimed to analyze the implementation of the financing analysis technique for the Mutabarok Bunda Prosperous product, the application of unsecured product financing at the Magetan BPRS, and the impact of implementing the 5C principle on financing analysis. This study uses qualitative research methods with the type of field research. The results of this study indicate that the implementation of the 5C principle in the analysis of the financing of the Magetan BPRS only uses the 4C principle (Character, Capacity, Capital, Condition of economy) from the 5C principle that should be. The application of unsecured financing products at BPRS Magetan is to eradicate Titil Banks in Magetan and to capitalize on small traders who want to seek financing but do not have collateral. There are two impacts arising from the implementation of the 4C principles, namely, the positive impact of smooth financing and minimizing the risk of non-performing financing, which can result in bank losses, while the negative impact of many customers is that they underestimate the payment of installments because these products do not use collateral. Keywords: Financing analysis, 5C Principles, Product of Mutabarok Bunda Sejahtera Abstrak: BPRS Magetan salah satu lembaga keuangan yang menggunakan prinsip 5C pada analisis pembiayaan. Menurut Lukman Dendawijaya prinsip 5C (Character, Capacity, Capital, Collateral, Condition of Economy) merupakan faktor utama yang digunkan untuk analisis pembiayaan. Namun pelaksanaan analisis pembiayaan yang dilakukan BPRS Magetan ini memiliki keunikan yaitu dalam melaksanakan analisis pembiayaan hanya menggunakan prinsip 4C, kecuali prinsip Collateral. Sehingga perlu digali lebih dalam karena tidak sesuai dengan teori prinsip 5C yang telah dikemukakan. Tujuan dari penelitian ini adalah untuk menganalisis pelaksanaan teknik analisis pembiayaan produk mutabarok bunda sejahtera, menganalisis penerapan pembiayaan produk tanpa jaminan di BPRS Magetan, dan menganalisis dampak dari pelaksanaan prisip 5C pada analisis pembiayaan. Penelitian ini menggunakan metode penelitian kualitatif dengan jenis penelitian lapangan. Hasil dari penelitian ini menunjukan bahwa pelaksanaan prinsip 5C pada analisis pembiayaan BPRS Magetan hanya menggunakan prinsip 4C (Character, Capacity, Capital, Condition of economy), dari prinsip 5C yang seharusnya. Penerapan produk pembiayaan tanpa jaminan di BPRS Magetan yakni untuk memberantas Bank Titil yang ada di Magetan, serta memodali pedagang kecil yang ingin mencari pembiayaan namun tidak mempunyai jaminan. Terdapat dua dampak yang ditimbulkan dari pelaksanaan prinsip 4C yaitu, dampak positifnya lancarnya pembiayaan serta meminimalisir resiko terjadinya pembiayaan bermasalah yang dapat mengakibatkan bank rugi, sedangkan dampak negatif banyak nasabah yang menyepelekan dalam hal membayar angsuran, karena produk tersebut tidak menggunkan jaminan. Keywords: Analisis Pembiayaan, Prinsip 5C, Produk Mutabarok Bunda Sejahtera

Analisis Tingkat Kesehatan Bank Syariah di Indonesia 2015-2020 Rizal, Fitra; Humaidi, Muchtim
Etihad: Journal of Islamic Banking and Finance Vol. 1 No. 1 (2021)
Publisher : Institut Agama Islam Negeri Ponorogo

This study aims to determine the soundness level of Islamic Commercial Banks (BUS) in Indonesia using the Risk Based Bank Rating (RBBR) method or better known as the RGEC method, includes the Risk Profile, Earning and Capital BUS in Indonesia 2015-2020. This type of research is a descriptive study with a qualitative approach. The results showed that, the average NPF BUS 2015-2020 ratio was 3.99%, indicating that BUS was in the healthy predicate. The smaller the NPF, the healthier the bank. The average ROA ratio of BUS 2015-2020 is 1.03%, indicating that BUS is in a fairly healthy predicate. The greater the ROA, the healthier the bank. And the average CAR 2015-2020 ratio of 18.73% indicates that BUS is in a very healthy predicate. The bigger the CAR, the healthier the bank. This fact shows that the performance of BUS in Indonesia needs to be improved so that the profit (ROA) is maximized.Penelitian ini bertujuan untuk mengetahui tingkat kesehatan Bank Umum Syariah (BUS) di Indonesia dengan metode Risk Based Bank Rating (RBBR) atau yang lebih dikenal sebagai metode RGEC, mencakup Risk Profile, Earning dan Capital BUS di Indonesia 2015-2020. Jenis penelitian yang digunakan adalah penelitian deskriptif dengan pendekatan Kualitatif. Hasil penelitian menunjukkan bahwa, rata-rata rasio NPF BUS 2015-2020 sebesar 3,99 % menunjukkan bahwa BUS dalam predikat Sehat. Semakin kecil NPF maka bank semakin sehat. Rata-rata rasio ROA BUS 2015-2020 sebesar 1,03 % menunjukkan bahwa BUS dalam predikat cukup sehat. Semakin besar ROA maka bank semakin sehat. Dan rata-rata rasio CAR BUS 2015-2020 sebesar 18,73 % menunjukkan bahwa BUS dalam predikat sangat sehat. Semakin besar CAR maka bank semakin sehat. Fakta tersebut menunjukkan bahwa kinerja BUS di Indonesia perlu ditingkatkan agar keuntungan (ROA) yang diperoleh semakin maksimal.

Advancing Sukuk Markets: Legal Frameworks, Regulatory Developments, and Default Challenges in Malaysia and the United Arab Emirates Abdullah, Ziarmal; Humaidi, Muchtim
Etihad: Journal of Islamic Banking and Finance Vol. 5 No. 1 (2025)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v5i1.10913

Introduction: This study examines recent developments and key challenges in the sukuk markets of Malaysia and the United Arab Emirates (UAE), with a focus on legal, regulatory, and post-default frameworks. It analyzes the institutional structures that shape sukuk issuance in both countries. Research Methods: Using a qualitative approach, the research draws on academic literature, official reports, news articles, and other relevant sources. It also outlines fundamental sukuk theories, instruments, and global market issues. Results: The findings indicate that both countries have made notable progress in advancing socially responsible sukuk and regulatory initiatives. However, the UAE faces challenges such as the absence of standardized legal frameworks and independent rating agencies. Malaysia, while leading globally in sukuk issuance, continues to encounter difficulties aligning its regulations with international standards. Conclusion: The study recommends greater standardization, increased sukuk issuance, and more transparent post-default mechanisms to support the long-term development of sukuk markets.

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