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All Journal al-Uqud : Journal of Islamic Economics El-Qist : Journal of Islamic Economics and Business (JIEB) Al-Qashdu: Jurnal Ekonomi dan Keuangan Syariah
Azis, Ishan
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Economics, Econometrics & Finance Library & Information Science Social Sciences

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A Study of Mudaraba Financing in Indonesia: The Effect of Temporary Shirkah Fund, Return on Asset (ROA), Financing to Deposit Ratio (FDR) Asiyah, Binti Nur; Aidiawati, Ria; Wahyudi, Amin; Azis, Ishan; Qurratulaini, Intan
al-Uqud : Journal of Islamic Economics Vol 5, No 2 (2021): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (315.461 KB) | DOI: 10.26740/al-uqud.v5n2.p203-217

Abstract

This article discusses the decline of distribution of mudaraba financing from 2017 to 2019 in a sharia bank in Indonesia, which impacted asset productivity. This study intends to examine the effect of Temporary Shirkah Funds, and Financing to Deposit Ratio on Mudaraba Financing. This study uses a quantitative approach, especially associative research. The sampling technique is non-probability sampling, and the data analysis is multiple regression. The results of this study indicate that (1) Temporary Shirkah Funds have a positive and significant effect on Mudaraba Financing; (2) Return on Assets has a positive and significant effect on Mudaraba Financing; (3) The Financing to Deposit Ratio has a positive and significant effect on Mudaraba Financing; (4) simultaneously Temporary Shirkah Funds, Return on Assets, Financing to Deposit Ratio have a positive and significant effect on Mudaraba Financing. The practical implication of this research is that Islamic banks prioritize Mudaraba Financing to be in line with increasing Murabaha Financing.
STRATEGI PENGELOLAAN WAKAF PRODUKTIF DALAM RANGKA PEMBERDAYAAN UMAT DI KECAMATAN PANGKAJENE KABUPATEN PANGKEP Azis, Ishan
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 1, No 1 (2021)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (270.282 KB) | DOI: 10.46339/al-qashdu.v1i1.657

Abstract

This study aims to determine the management strategy of productive waqf in the context of empowering people in Pangkajene District, Pangkep Regency. This study uses field research with a descriptive qualitative approach. The research location is centered in Pangkep Regency, Pangkajene District, South Sulawesi. The data used are primary data directly from those who manage productive waqf in Pangkep and secondary data from reference books, journals and so on. Data collection techniques ranging from interviews, observation and documentation. The management of productive waqf in Pangkajene District in its implementation is in accordance with Law Number 41 of 2004 concerning waqf but in the management of productive waqf it is still not optimal. In the management of productive waqf property as waqf by the wakif, so far the KUA of Pangkajene Sub-district has never interfered with all management affairs entirely left to the nadzir who has been appointed by the wakif himself. Productive waqf in Pangkajene District is classified as absolute waqf practice, Nazhir makes productive efforts so that waqf assets can be maximized in a way that is mostly achieved by renting out waqf assets.
Harmonizing Faith and Culture: Islamic Work Ethic, Bugis Local Wisdom, and Business Resilience in Pasar Butung Makassar Azis, Ishan; Nahariah, Nahariah; Herviani, Septy; Hasan, Nurul Fatma
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 16 No. 2 (2026): October | in Press
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2026.16.2.24-42

Abstract

Abstract: Background: Traditional wholesale markets in Indonesia face intensifying pressure from digital retail transformation and modern market competition. Amid these dynamics, Muslim Bugis traders at Pasar Butung Makassar—the oldest wholesale center in Eastern Indonesia—demonstrate remarkable business endurance, driven by a socio-religious work ethic that merges Islamic economic principles with indigenous cultural philosophy.   Objective: This study aims to analyze the socio-religious characteristics of Muslim Bugis traders, examine how they construct the philosophical meaning of work ethic, and investigate how this synthesized framework is operationalized to sustain business resilience and achieve holistic well-being (falāḥ).   Method: Employing a qualitative ethnographic approach guided by James Spradley’s Developmental Research Sequence, data were gathered over an extended field immersion at Pasar Butung Makassar. Data collection involved participant observation, documentary analysis, and semi-structured interviews with 6 key informants, including senior wholesale merchants (punggawa), second-generation successors, retail associates (pagandeng), and market managers.   Results: The findings reveal that business resilience among Bugis traders is governed by a dual-engine accountability framework integrating a transcendental guilt culture (taqwa, akhirat) and a socio-cultural shame culture (siri', pesse). This work ethic manifests through four core philosophical pillars: Reso Tamangingi Naletei Pammase Puang (persistent labor inviting divine grace), Tea Tamakuaidipanajaji (dignified self-reliance), Sipakainga, Sipakatau, Sipakalebbi (humanistic mutual respect), and Malilu Sipakainge, Mali Siparappe, Rebba Sipatokkong (communal solidarity). Rather than resisting technological modernization, traders practice digital hybridization, projecting traditional ethical values like ada tongeng (truthful communication) into digital live-streaming and e-commerce distribution.   Implications: Theoretically, this study challenges Eurocentric economic paradigms by demonstrating that an integrated guilt-shame culture can foster robust economic resilience without inducing predatory capital accumulation. Practically, market authorities (PD Pasar) and Islamic financial institutions should leverage these informal socio-religious networks and relational capital (siri' and amanah) to design inclusive market revitalization policies and alternative credit risk assessments.
Co-Authors Aidiawati, Ria Amin Wahyudi Binti Nur Asiyah Herviani, Septy Intan Qurratulaini Nahariah Nahariah, Nahariah Nurul Fatma Hasan