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All Journal Dinamika Pendidikan JAM : Jurnal Aplikasi Manajemen Jurnal IUS (Kajian Hukum dan Keadilan) Jurnal Ekonomi dan Bisnis Islam Jurnal Dimensi Ikonomika : Jurnal Ekonomi dan Bisnis Islam Journal of Geoscience, Engineering, Environment, and Technology Jurnal Pemberdayaan Masyarakat: Media Pemikiran dan Dakwah Pembangunan Review of Islamic Economics and Finance Mazahib: Jurnal Pemikiran Hukum Islam Akademika : Jurnal Pemikiran Islam Indonesian Capital Market Review Journal of Indonesian Economy and Business Equilibrium: Jurnal Ekonomi Syariah Jurnal Pengabdian Masyarakat dan Riset Pendidikan Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Journal of Islamic Economic Laws Jurnal bahasa, sastra, seni, dan pengajarannya
Ismail, Shafinar
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Religion Arts Humanities Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Physics Social Sciences Other

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Bridging the Gap: Link-and-Match Strategy for Sharia Economics Graduates in Islamic Non-Bank Financial Institutions Rahmawati, Naili; Bonang, Dahlia; Ismail, Shafinar
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 2 (2025)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v11i2.7617

Abstract

Purpose:This study examines the link and match strategy in higher education to bridge the gap between graduates' skills and industry demands, particularly in the Islamic Non-Bank Financial Industry (IKNB Syariah). By adopting Human Capital Theory, this research highlights the importance of aligning university curricula with labor market needs to enhance graduates' employability.Design/Methodology:A qualitative research approach with an inductive methodology was used to explore the effectiveness of link and match policies. Data were collected through semi-structured interviews and focus group discussions (FGD) with 40 respondents, including students, government officials, education experts, and industry practitionersFindings:The study identifies curriculum misalignment, limited industry engagement, inadequate internship programs, and a lack of technology integration as key barriers to the effectiveness of link and match. However, competency-based curricula, industry partnerships, graduate involvement, and digital learning adoption significantly support graduate readiness for the workforcePractical Implications:Strengthening university-industry collaboration, implementing professional certification programs, and integrating technology into learning are crucial strategies to enhance the effectiveness of link-and-match policiesOriginality/Value:This research provides a comprehensive analysis of the link and match strategy in Sharia economics education, emphasizing the role of Islamic finance industry collaboration in improving graduate employability
Understanding Pilgrim Satisfaction: The Role of Customer Experience and Bonus Pack in Umrah Travel Nugraha, Aa Willy; Ismail, Shafinar
Journal of Islamic Economic Laws Vol. 8 No. 02 (2025): July
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v8i02.9969

Abstract

In the context of increasing demand for religious tourism, understanding the factors that drive satisfaction among Umrah pilgrims is essential. This study examines the impact of customer experience and bonus packs on the satisfaction of Umrah pilgrims in Indonesia. Employing a quantitative approach, data were collected from 120 respondents using a structured questionnaire and analyzed using Structural Equation Modelling with Partial Least Squares (SEM-PLS). The results reveal that both customer experience and bonus pack significantly influence satisfaction, with both factors having a partial and simultaneous impact on satisfaction. Bonus packs—comprising additional services or amenities—emerged as a strong predictor of satisfaction by enhancing perceived value during the pilgrimage journey (path coefficient = 0.376, p < 0.001). Customer experience also demonstrated a significant positive effect (path coefficient = 0.354, p < 0.038), underscoring the importance of service quality and emotional connection throughout the pilgrimage process. Simultaneously, the two constructs explain 51,5% of the variance in satisfaction (R² = 0.515). These findings underscore the strategic importance of integrating meaningful customer experiences with value-added offerings to enhance service satisfaction in Umrah travel services. Travel agencies are advised to invest in enhancing service touchpoints and bundling attractive bonus features to improve customer satisfaction. Limitations of this study include its regional focus on Tasikmalaya, which may limit its broader applicability. Future research is encouraged to include more diverse populations and investigate moderating variables such as religiosity, service innovation, and digital engagement.
DETERMINANTS OF ZAKAT COMPLIANCE BEHAVIOR IN URBAN MUSLIM ENTREPRENEURS IN MATARAM CITY WEST NUSA TENGGARA Bonang, Dahlia; Widiastuti, Tika; Yuliatul Hijriah, Hanifiyah; Ismail, Shafinar
AKADEMIKA: Jurnal Pemikiran Islam Vol 28 No 1 (2023)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/akademika.v28i1.6409

Abstract

This study aims to assess determinants of small and medium enterprises (SMEs) owners’ compliance behavior in paying zakat (alms). In addition, the sample population comprised 176 SMEs owners in Mataram City who served as participants. Data were collected through online survey instruments using the purposive sampling method. The testing technique and data analysis were carried out using Structural Equation Modeling (SEM). The results showed that zakat literacy, Islamic egalitarianism, and moral norms influenced intention of SMEs owners to pay zakat, while intention affected compliance behavior. This study was essential for zakat institutions to develop new strategies to facilitate compliance behavior, considering the great potential in Indonesia. In addition, the fair and equitable distribution of zakat funds to asnaf (noun group of people worthy of receiving Muslim tithe) was expected to encourage SMEs owners to fulfill their obligation through zakat institutions by increasing the level of trust.
THE EFFECT OF RELIGIOSITY AND TRUST ON INTENTION TO PAY IN ZISWAF COLLECTION THROUGH DIGITAL PAYMENTS Syafira, Fadillah Nur; Ratnasari, Ririn Tri; Ismail, Shafinar
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 6 No. 1 (2020): JANUARY-JUNE 2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v6i1.17293

Abstract

The use of digital payment in Indonesia has increased rapidly. The number of users continues to grow every year, making various zakat institutions, infaq, sadaqah, and waqf start innovating to raise funds using a digital payment system. This excellent innovation seems in contrast with the amount of of zakat funds, infaq, waqf, and alms collected; it is still far below the potential number of funds. Many factors influence the intention to pay of the Muslim community in paying zakat, infaq, endowments, and alms. Some factors that need to be investigated are religiosity and trust factor. The aim of this research is to analysis the religiosity and trust factor towards intention to pay zakat, infaq and endowment. Based on that statement, questionnaires will be given to 200 respondents to determine the effect of these factors on the intention to pay of the Muslim community in paying zakat, infaq, endowments, and alms. Using mix methods between quantitative and qualitative, the data is primary from questioner. The result of this study shows that each religiosity and trust has insignificant and significant related to the intention to pay zakat, infaq, endowments, and alms. However, trust as intervening variable could affect religiosity indirectly, regarding its impact towards intention to pay.Keywords: Digital Payment, Intention to Pay, Religiosity, Trust, ZISWAF
Personal Bankruptcy: A Bibliometric Analysis and Future Research Directions MD SAHIQ, AQILAH NADIAH; SARKAM, SAIDA FARHANAH; MOHD HIDZIR, PUTRI ALIAH; YAAKUB, NURWAHIDA; ISMAIL, SHAFINAR; SABRI, NURBAITY; HIJRIAH, HANIFIYAH YULIATUL; KHOLIDAH, HIMMATUL
The Indonesian Capital Market Review Vol. 17, No. 2
Publisher : UI Scholars Hub

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Personal bankruptcy is a pertinent topic to discuss due to the surge in personal bankruptcy cases around the world and it is an important indicator of household financial problems nationally. However, only few comprehensive reviews have been conducted to date. Hence, this study provides a bibliometric review of 210 studies on personal bankruptcy authored by 496 scholars. Bibliographical data were extracted from the Scopus database and analyzed it using the Bibliometrix-R software. Based on the citation analysis metrics, we revealed the most influential articles, journals, authors, and institutions. Using the network and conceptual structure analysis, we identified three underlying research clusters: (1) student loan default, (2) financial psychology, and (3) personal bankruptcy law; and three emerging research clusters: (1) credit scoring, (2) machine learning, and (3) data mining. The results of our study provide valuable insights to readers, in gleaning a general overview of the research landscape, including the historical evolution, potential collaboration partners, and the future research direction of the personal bankruptcy study. The implications of the study include further exploration of under-researched areas, especially the integration of advanced technologies like artificial intelligence and data analytics in managing personal bankruptcy issues. By uncovering trends and emerging technologies (e.g., machine learning and data mining), the study may guide policymakers, financial institutions, and other stakeholders in addressing household financial problems and improving bankruptcy-related processes.
Fungsi Pajak Terhadap Lingkungan Hidup Sugiharti, Dewi Kania; Hartanto, Ghani Satria; Indri Yuliafitri; Ismail, Shafinar
Jurnal IUS Kajian Hukum dan Keadilan Vol. 13 No. 3 (2025): Jurnal IUS Kajian Hukum dan Keadilan
Publisher : Magister of Law, Faculty of Law, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ius.v13i3.1843

Abstract

The environment is an integral part of human life, as it provides essential resources, including food, water, and other necessities. It is the primary source for meeting our various needs. However, many activities that claim to improve welfare and promote economic development actually cause environmental destruction, such as forest burning, illegal logging, and the exploitation of natural resources with no regard for environmental concerns. Government-led development projects require substantial funding. Funding for such projects comes from government savings, which are taxes. Taxes are a highly reliable source of revenue for the Indonesian government at both the central and local levels. Taxes are closely related to development and the environment, so studying this issue in depth is important because it has theoretical and practical value in developing environmentally sustainable practices for a just and prosperous Indonesia. This research focuses on the gap between Indonesian tax regulations, which have not yet significantly accommodated environmental conservation interests. Tax collection in Indonesia is primarily focused on fulfilling the State Budget (APBN). This research analyses the tax law system to determine how it can accommodate the government’s financial interests while also providing space for environmental protection and not hindering the community’s ability to strive for a decent and prosperous life. This descriptive-analytical research uses a normative legal approach. The research stages include a literature review and fieldwork. Data collection techniques were carried out through document studies. Conclusions and research results were drawn using qualitative normative analysis methods.
Revitalizing Badoncek and Jimpitan: Culture-Based Approaches to Waqf Fundraising in Indonesia Haris, Gusnam; Wira, Ahmad; Syukria, Alfi; Augusna, Wahyuni Lely; Ismail, Shafinar; Afrida, Yenti
Mazahib Vol 24 No 2 (2025): VOLUME 24, ISSUE 2, 2025
Publisher : Fakultas Syariah UINSI Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/mj.v24i2.11409

Abstract

Culture-based waqf fundraising is a strategic approach that utilizes a community’s cultural, religious, and social values to support waqf institutions. In Indonesia, local traditions such as Badoncek and Jimpitan reflect communal solidarity and can serve as effective mechanisms for waqf fundraising. This study highlights the importance of integrating local cultural practices to enhance the effectiveness, sustainability, and socio-economic impact of waqf in contemporary society. Using a qualitative, thematic analysis, the research draws on interviews with government officials, waqf practitioners, and academics to examine the opportunities and risks of culture-based waqf fundraising. The findings reveal that Badoncek and Jimpitan’s practices present significant opportunities and challenges when applied to waqf fundraising. They enable rapid fund collection, strengthen social cohesion, and maintain community engagement due to their deep-rooted cultural values and ongoing preservation. However, potential risks include limited scalability, a lack of standardized management, and dependency on local participation. Incorporating cultural elements into waqf fundraising can enhance trust, credibility, and long-term community commitment by respecting local traditions and values. They also raise public awareness about the importance and social impact of waqf. Therefore, integrating local culture, such as Badoncek and Jimpitan, into waqf fundraising strategies can strengthen community-based economic empowerment and sustain waqf institutions.
Function of Batik for cross-gender instructor at Kinanthi Sekar Dance Center, Yogyakarta Sutrisno, Langen Bronto; Ismail, Shafinar; Sudarmawan, Agus; Putri, Fira Sartika
Bahasa dan Seni: Jurnal Bahasa, Sastra, Seni, dan Pengajarannya Vol. 53, No. 1
Publisher : citeus

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The use of batik in dance teaching at the Kinanthi Sekar Dance Center in Yogyakarta by cross-gender instructors reflects unique and meaningful characteristics. Cross-gender expression in this context is not about failing to conform to traditional gender roles, but rather represents openness, flexibility, and a form of modern cultural embodiment. This study aims to explore and describe the functions of batik for cross-gender instructors at the Kinanthi Sekar Dance Center. Using a qualitative method within a cultural studies perspective, the research applies a focused single-case study approach. The results reveal that batik fulfills various roles, particularly in terms of self-expression, artistic expression, and professional identity. In aesthetic terms, batik enhances the visual beauty of the dancer and supports traditional movements. In educational settings, it symbolizes commitment and professionalism. Moreover, how batik is worn—especially through specific techniques like seredan—reflects personal and cultural narratives. Ultimately, batik becomes more than just a costume; it acts as a cultural medium that communicates values, identity, and a unique artistic presence, particularly for instructors expressing gender in nontraditional ways.
Product Development in Islamic Financial Institutions (IFIS): An Extensive Literature Review Al Adawiyah, Rumaisah Azizah; Ismail, Shafinar
EQUILIBRIUM Vol 13, No 1 (2025): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v13i1.31938

Abstract

This paper aims to critically review existing studies related to IFIs products and their instruments, IFIs’ product development, and the agenda for IFIs’ product development in the future. This study is built upon an extensive literature review of the existing literature on IFIs, revisiting its objectives, its criticism, and looking at the Product Development Process of IFIs from previous studies. Considering IFIs product development, so far the process on IFIs lies on the need to be competitive thus imitating their conventional counterparts. However on the other side, there’s a need for developing the instruments without denying the fulfilment of Islamic law (maqasid al sharia) within the process. On the other hand, there are some arguments on to what extent Sharia principles or maqasid al sharia is being fulfilled as so far, the feasible indicators are still limited. As product development in IFIs is complex and demands innovations in many aspects, collaboration among global and Islamic Economy actors is needed. This paper implies that there’s a need for a comprehensive approach in formulating an ideal product development process for IFIs and giving urges to global Islamic Economy actors to collaborate.
Co-Authors Abd Rahman, Nur Hayati Agus Sudarmawan Ahmad Wira, Ahmad Ahmad, Nurbarirah Al Adawiyah, Rumaisah Azizah Amalia, Farah Aminullah Assagaf Anggrainy Putri Ayuningrum Antonius Setyadi Arna Suryani, Arna Asmadillah, Fifin Augusna, Wahyuni Lely Beta, Raja Mayang Delima Mohd Bonang, Dahlia Destami, Gina Dery Dewi Kania Sugiharti Evi Sopiah, Evi Sopiah Fauzi, Muchamad Firmansyah Firmansyah Hanifiyah Yuliatul Hijriah, Hanifiyah Yuliatul Haris, Gusnam Hartanto, Ghani Satria Hasrita Lubis Indri Yuliafitri Jamin, Aziean Kholidah, Himmatul Kusnendi, Kusnendi Langen Bronto Sutrisno MD SAHIQ, AQILAH NADIAH Mira Yona MOHD HIDZIR, PUTRI ALIAH Mohd Nor, Amirudin Monoarfa, Hilda Muliati Nabiela Rizki Alifa Naili Rahmawati Nasrullah Nugraha, Aa Willy Nurasyiah, Aas Prianto, Susilo Edi Putri, Fira Sartika R. Andy Erwin Wijaya Ririn Tri Ratnasari Rojuaniah Rojuaniah Rosida, Rida Sabri, Nurbaity Sakarji, Siti Rosnita Santika, Syahira Dwi SARKAM, SAIDA FARHANAH Sri Langgeng Ratnasari SRI RAHAYU Suharno Pawirosumarto Syafatul Aqilla Binti Samar, Nur Syafira, Fadillah Nur SYUKRIA, ALFI tanjung, rona Tika Widiastuti Triastuti Kurnianingsih, Heny YAAKUB, NURWAHIDA Yenti Afrida Yuliatul Hijriah, Hanifiyah Yusrita Zain, Zainab Mohd