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<![CDATA[INVESTIGASI FUNDRAISING ZAKAT INFAQ SHADAQAH DI LEMBAGA AMIL ZAKAT INFAQ SHADAQAH NAHDLATUL ULAMA (LAZISNU) KABUPATEN PAMEKASAN ]]>
<![CDATA[Achmad Jufri]]>;
<![CDATA[Iqbal Rafiqi]]>
<![CDATA[ Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 1, No 2 (2020): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen ]]>
Publisher : <![CDATA[Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep ]]>
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DOI: 10.28944/masyrif.v1i2.480
<![CDATA[LAZISNU Pamekasan Regency as one of the amil zakat institutions which has quite high in 2018, which reached a total revenue of Rp. 1.5 Billion. Based on this, there are two focus studies in this research, namely: first, how to analyze the implementation of the Zakat Infaq Shadaqah (ZIS) fundraising strategy at the Amil Zakat Infaq Shadaqah Nahdlatul Ulama (LAZISNU) Institute of Pamekasan Regency; second, how to evaluate or control the fundraising strategy carried out by LAZISNU Pamekasan Regency. This study uses a qualitative approach with a descriptive type of research. Sources of data obtained through interviews, observation and documentation. The informants are supervisors, core management, and fundraising staff. While checking the validity of the data is done through persistence of observation and triangulation. The results showed that the implementation of the zakat infaq shadaqah fundraising strategy at LAZISNU Pamekasan Regency was carried out in collaboration with other organizations or agencies under the auspices of NU and institutions or companies. The first strategy that was prepared was to form a competent LAZISNU board. In the early stages, LAZISNU conducted mapping and data collection on prospective donors and muzakki (identification or segmentation and targeting) to determine the appropriate fundraising method. There are two methods used, namely direct fundraising and indirect fundraising. In addition, LAZISNU also provides special services for donors in the form of a donation pick-up service. Evaluation of the strategy or controlling fundraising zakat infaq shadaqah at LAZISNU Pamekasan Regency is held every month which is packaged with the column "lailatul ijitma'" to correct and improve strategy implementation so that it remains consistent in carrying out the fundraising strategy even though it is faced with internal and external problems.]]>
<![CDATA[Typology of Sharia-Compliant Business Capital Services to Support the Economic Development of Rural Communities ]]>
<![CDATA[Rafiqi, Iqbal]]>;
<![CDATA[Turmidi, Turmidi]]>;
<![CDATA[Rahman, Holilur]]>;
<![CDATA[Mujibno, Mujibno]]>;
<![CDATA[Buchari, Imam]]>;
<![CDATA[Faizah, Maftuhatul]]>
<![CDATA[ Assyarikah: Journal of Islamic Economic Business Vol 5, No 2 (2024): Assyarikah: Journal Of Islamic Economic Business ]]>
Publisher : <![CDATA[Al-Amien Prenduan for Islamic Institute ]]>
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DOI: 10.28944/assyarikah.v5i2.1925
<![CDATA[Many business people in underdeveloped villages have difficulty getting business capital. The biggest problem that arises is that there are business people who do not have collateral so it is difficult to get business capital. The existence of PNM Mekaar Syariah in the village community with a business capital distribution service without collateral is very helpful. This research is important to carry out with the aim of analyzing the business capital service system provided by PNM Mekaar Syariah to customers in Ganding District, Sumenep. This research uses a qualitative research approach. The results of this research outline the data that in providing business capital funding assistance, the Ganding branch of PNM Mekaar Syariah does not use collateral but uses a joint responsibility system and provides village communities with business training and supervision of business growth. The impact is that village communities feel served by the government in matters of business capital and hope that services will be optimized and the results will be cheaper.]]>
<![CDATA[Problem Minimnya Minimnya Pengambilan Pembiayaan di Perbankan Syariah: Studi Kasus UMKM Furniture di Kabupaten Sumenep ]]>
<![CDATA[Rafiqi, Iqbal]]>;
<![CDATA[Jazuli, M Naufal]]>
<![CDATA[ Assyarikah: Journal of Islamic Economic Business Vol 5, No 1 (2024): Assyarikah: Journal Of Islamic Economic Business ]]>
Publisher : <![CDATA[Al-Amien Prenduan for Islamic Institute ]]>
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DOI: 10.28944/assyarikah.v5i1.1742
<![CDATA[Sharia banking has a vital role in supporting economic progress in society, especially business actors such as MSMEs. However, not all MSMEs respond productively to the financing issued by Sharia banks, such as furniture MSMEs in Karduluk Village, Sumenep Regency, which still rarely utilize financing products from Sharia banks. This research aims to identify the problem of the lack of interest of Furniture MSMEs in Karduluk village in taking out Sharia Banking financing. This research uses a qualitative approach with a field study type of research. The data collection methods used were interviews, observation, and documentation. Analysis reduces data, presents the data, then concludes the data that has been presented. The subjects of this research were taken from Furniture MSMEs in Karduluk Village. The results of this research provide data that the interest of MSME furniture players in Karduluk village, Sumenep in choosing Sharia banking financing products is still relatively low. This is evident from the 30 informants that researchers interviewed, there are only 3 MSME players who carry out financing at sharia banks. The reasons are different, such as lack of promotion from Islamic banks or it is easier to borrow funds from relatives.]]>
<![CDATA[Predicting Financial Distress in Islamic Banking: Evidence from Bank Muamalat Indonesia Using the Springate Model and Financial Ratios ]]>
<![CDATA[Rafiqi, Iqbal]]>;
<![CDATA[Nadhirah, Afifah]]>;
<![CDATA[Mujibno, Mujibno]]>;
<![CDATA[Abidin, Zainal]]>;
<![CDATA[Faizah, Maftuhatul]]>
<![CDATA[ Assyarikah: Journal of Islamic Economic Business Vol 6, No 1 (2025): Assyarikah: Journal Of Islamic Economic Business ]]>
Publisher : <![CDATA[Al-Amien Prenduan for Islamic Institute ]]>
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DOI: 10.28944/assyarikah.v6i1.2105
<![CDATA[This study assesses the potential for financial distress in Bank Muamalat Indonesia the country’s pioneering Islamic bank by integrating financial ratio analysis with the Springate predictive model. Triggered by persistent fluctuations in profitability metrics, the study investigates whether key financial indicators. Return on Assets (ROA), Return on Equity (ROE), Operating Expenses to Operating Income (BOPO), and Financing to Deposit Ratio (FDR) significantly influence financial distress. Using a descriptive quantitative design and quarterly data from 2016 to 2022, multiple regression results indicate that none of the selected ratios exert a statistically significant effect (p > 0.05). However, the Springate model consistently produced S-scores above the distress threshold (0.862), indicating financial resilience throughout the study period. The findings suggest that while traditional performance ratios may lack predictive accuracy in this context, the Springate model provides a more reliable early-warning framework for assessing financial health. This study contributes to the literature on financial risk diagnostics in Islamic banking and offers practical implications for enhancing Shariah-compliant internal supervision systems.]]>
<![CDATA[The Influence of Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF) on Financing at PT. Bank Muamalat Indonesia for the Period 2018-2022 ]]>
<![CDATA[Iqbal Rafiqi]]>;
<![CDATA[Zulha Fauli Majdi]]>
<![CDATA[ Values: Jurnal Kajian Islam Multidisiplin Vol. 2 No. 3 (2025) ]]>
Publisher : <![CDATA[Penerbit Hellow Pustaka ]]>
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DOI: 10.61166/values.v2i3.73
<![CDATA[Banks become intermediary institutions that collect public funds (funding), then distribute them (lending) in the form of financing. This study aims to determine the effect of Third Party Funds (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF) partially and simultaneously on financing at PT Bank Muamalat Indonesia. The method used in this research is descriptive quantitative. The object of this research is the quarterly financial statements of PT Bank Muamalat Indonesia for the period 2018-2022. Data collection techniques using documentation through data analysis using multiple linear regression analysis tests. The results of the t-test analysis show that partially the DPK variable has no influence on financing with a significant value of 0.100 > 0.05 and a calculated t value of 1.748 < t table 2.120. The NPF variable has no influence financing, as the significance value is 0.308 > 0.05 with a calculated t value of 1.054 < t table 2.120. The CAR variable has a significant influence on financing. This is proven by a significant value of 0.00 < 0.05 and a calculated t value of 7.131 > t table 2.120. Simultaneously, the DPK, CAR, and NPF variables have a significant influence on financing. This is proven by the sig-F value of 0.00 < 0.05 and the comparison of calculated F value 21,773 > F table 3.20. The predictive ability of these three variables on financing is 76.6% as shown by the Adjusted R Square, while the remaining 23.4% is influenced by other factors not included in this research.]]>
<![CDATA[Peran Asimetris Spillover Indeks Syariah Cina terhadap Indeks Syariah Indonesia Selama Pilpres 2024 ]]>
<![CDATA[Iqbal Rafiqi]]>;
<![CDATA[Aliyatul Hasanah]]>
<![CDATA[ Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 2 (2025) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Surabaya ]]>
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DOI: 10.30651/jms.v10i2.26456
<![CDATA[The Islamic financial market is becoming increasingly integrated globally, including the China Sharia Index and the Indonesia Sharia Index. However, in certain situations such as the 2024 presidential election, market dynamics may experience asymmetric spillover effects. High political uncertainty during the election has the potential to increase risks and volatility, altering the transmission pattern of information from the Chinese market to Indonesia disproportionately. This study aims to examine the influence of the China Sharia Index on the Indonesia Sharia Index during the 2024 presidential election and to analyze the role of asymmetric spillover. The research method employed is a quantitative approach using daily secondary data. Analysis was conducted through simple linear regression after passing classical assumption tests, which indicated that the data is normally distributed, with no heteroscedasticity and no autocorrelation. The results show that the China Sharia Index has a positive and significant influence on the Indonesia Sharia Index with an R Square of 81.4%. Spillover is stronger during a market downturn, indicating an asymmetric effect. Political uncertainty during the 2024 election strengthens investor responses to negative risks, making political and economic stability crucial for the resilience of Indonesia's Islamic capital market.]]>
<![CDATA[Korelasi Dana Pihak Ketiga, Capital Adequacy Ratio, Non Performing Financing Terhadap Pembiayaan Pada PT. Bank Muamalat Indonesia ]]>
<![CDATA[Fauli Majdi, Zulha]]>;
<![CDATA[Rafiqi, Iqbal]]>;
<![CDATA[Faizah, Maftuhatul]]>;
<![CDATA[Mujibno]]>;
<![CDATA[Supriyadi]]>
<![CDATA[ Jurnal Perbankan Syariah Vol. 4 No. 1 (2025): Jurnal Perbankan Syariah ]]>
Publisher : <![CDATA[Universitas Islam Negeri Mataram ]]>
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DOI: 10.20414/jps.v4i1.13068
<![CDATA[This study aims to analyze the relationship between third party funds, capital adequacy ratio, non-performing financing partially and simultaneously on financing at PT. Bank Muamalat Indonesia. The object of this study is the quarterly financial report of PT. Bank Muamalat Indonesia for the period 2018-2022. The data collection technique uses documentation with multiple linear regression analysis tests. The results of the t-test analysis show that partially the DPK variable has no effect on financing with a significance value of 0.100> 0.05 and a t-count value of 1.748 <t table 2.120. The NPF variable does not affect financing because the significance value is 0.308> 0.05 with a t-count value of 1.054 <2.120. The CAR variable affects financing with a significance value of 0.00 <0.05 and a t-count value of 7.131> 2.120. Simultaneously, the DPK, CAR, and NPF variables affect financing. This is proven by the sig-F value of 0.00 < 0.05 and the comparison of F table (3.20) < F count (21,773). The predictive ability of the three variables on financing is 76.6% as indicated by the amount of adjusted R2, while the remaining 23.4% is influenced by other ratio factors.]]>
<![CDATA[Investigasi Peran Pendapatan Pembiayaan Murabahan dan Mudharabah terhadap Profitabilitas (ROA); Studi Kasus PT. Bank Muamalat Indonesia ]]>
<![CDATA[Iqbal Rafiqi]]>;
<![CDATA[Munawarotul Chamilia]]>
<![CDATA[ P@RAD!GMA : Jurnal Kajian Budaya & Media Vol. 1 No. 01 (2023): P@RAD!GMA: Jurnal Kajian Budaya & Media ]]>
Publisher : <![CDATA[YAYASAN HAMJAH DIHA bekerjasama dengan PENA INSTITUTE ]]>
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<![CDATA[Pada zaman modern segala kebutuhan manusia semakin beragam, Jika dilihat dari ekonomi penduduk Indonesia, mayoritas tidak dapat memenuhi kebutuhan dengan mudah. Hanya saja penduduk yang memilki penghasilan tetap yang dapat memenuhi gaya hidup sesuai dengan zaman modern ini. Dalam hal ini perbankan syariah dapat berperan dalam memenuhi kebutuhan masyarakat yang beragam dengan menawarkan pembiayaan murabahah yang merupakan akad jual beli antara Bank Syariah dengan nasabah. Bank juga menawarkan pembiayaan mudharabahyang keuntungannya menggunakan sistem bagi hasil sesuai dengan aturan yang berlaku dan kesepakatan kedua belah pihak. Tujuan dari penelitian ini adalah pertama :untuk mengetahui Adakah pengaruh pendapatan pembiayaan murabahah dan mudharabah terhadap profitabilitas (ROA) perbankan syariah di BMI; kedua : Berapa besar pengaruh pendapatan pembiayaan murabahah dan mudharabah terhadap profitabilitas (ROA) perbankan syariah di BMI.Penelitian ini menggunakan pendekatan kuantitatif.Jenis data yang digunakan adalah data skunder yang diperoleh malalui laporan keuangan, dengan teknik pengambilan sampel yang digunakan yaitu sampel Non probability sampling dengan sampel sebanyak 32data. Metode analisis data menggunakan metode regresi linier berganda, uji asumsi klasik, uji-f dan uji –t.]]>
<![CDATA[Risk Mitigation Strategy in Financing Without Collateral at PT. BPRS Sarana Prima Mandiri Pamekasan ]]>
<![CDATA[Iqbal Rafiqi]]>;
<![CDATA[Ulum, Miftahul]]>;
<![CDATA[Hidayat, Moh. Helmi]]>;
<![CDATA[Jufri, Achmad]]>
<![CDATA[ Journal of Islamic Economics Perspectives Vol. 5 No. 2 (2023): September (2023) Journal of Islamic Economics Perspectives ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business, State Islamic University of Kiai Haji Achmad Siddiq Jember, Indonesia ]]>
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DOI: 10.35719/jiep.v5i2.119
<![CDATA[Financing without collateral BPRS SPM Pamekasan is proliferating. Every year there is always an increase in customers by 75% from an average of 35%. The problem raised in this research is how to implement collateral-free financing and risk mitigation. This research is descriptive qualitative research with a case study model. Data collection techniques use observation, interviews, and documentation related to risk mitigation of collateral-free financing at BPRS Sarana Prima Mandiri Pamekasan. The results of this study indicate (1). PT. BPRS Sarana Prima Mandiri can provide financing for productive businesses. The customer's business funding needs are financed 100% by the BPRS SPM. The customer is the business manager, and the maximum period is six months. The payment procedure is carried out every day, while profit sharing is done once a month, which will be disbursed when the financing is said to be paid off. (2). The risk mitigation process carried out by BPRS Sarana Prima Mandiri Pamekasan is risk identification, namely looking at the character of the prospective customer, working capital capabilities, income that does not exceed the payment ability of the prospective customer, and education on customer product marketing.]]>
<![CDATA[Peran Komplementer Bank Wakaf Mikro Alpend dan BPRS Pragaan dalam Membangun Ekosistem Industri Halal: Studi Kasus UMKM di Sumenep ]]>
<![CDATA[Rafiqi, Iqbal]]>;
<![CDATA[Ilahi, Wardatun Thoyyibah Nikmah]]>
<![CDATA[ JoEMS (Journal of Education and Management Studies) Vol. 8 No. 5 (2025): Oktober ]]>
Publisher : <![CDATA[Universitas KH. A. Wahab Hasbullah ]]>
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DOI: 10.32764/joems.v8i5.1591
<![CDATA[Indonesia sebagai negara dengan populasi muslim yang lebih dari 200 juta memiliki potensi dalam mengembangkan industri halal terutama pada sektor makanan dan minuman halal yang terus mengalami peningkatan dipasar domestik maupun global. Namun masih terdapat beberapa tantangan yang harus dihadapi seperti sulitnya akses keuangan terhadap perbankan terutama pada pelaku Usaha Mikro Kecil Menengah di daerah pedesaan serta rendahnya literasi halal pada masyarakat. Penelitian ini bertujuan untuk menganalisis peran Bank Wakaf Mikro Alpend Barokah Mandiri dan BPRS Bhakti Sumekar Cabang Pragaan dalam mendukung perkembangan tren Industri halal di Sumenep terutama pada sektor makanan dan minuman halal khususnya di daerah Pragaan. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan teknik wawancara, observasi dan dokumentasi pada pelaku Usaha Mikro Kecil Menengah serta kedua lembaga keuangan syariah terkait. Hasil penelitian menunjukkan bahwa kedua lembaga keuangan syariah tersebut memberikan dukungan melalui pembiayaan syariah dengan angsuran yang terjangkau dan juga adanya bantuan dalam mendapatkan sertifikasi halal gratis. Selain itu akad qard al – hasan yang diterapkan oleh Bank Wakaf Mikro membantu pelaku usaha mikro karena hanya mengembalikan pokok pinjaman tanpa bunga serta kemudahan akses pembiayaan yang cepat dan sederhana. Dengan dukungan tersebut industri halal di daerah pedesaan dapat berkembang optimal sebagai pilar ekonomi yang lebih kuat.]]>
