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All Journal Laa Maisyir Jurnal Ekonomi Islam Perisai : Islamic Banking and Finance Journal BISEI: Jurnal Bisnis dan Ekonomi Islam EKONOMI BISNIS Jurnal Ilmiah Satyagraha Jurnal Bisnis, Manajemen, dan Ekonomi El-Qish: Journal of Islamic Economics Jurnal Muamalat Indonesia IIJSE An-Nisbah: Jurnal Ekonomi Syariah Gandhi: Jurnal pengabdian kepada Masyarakat (G-JPM)
Ulfah, Indar Fauziah
Prodi Ekonomi Syariah, Fakultas Ekonomi Dan Bisnis, Universitas Terbuka
Religion Humanities Economics, Econometrics & Finance Environmental Science Social Sciences

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Optimalisasi Investasi Dana Haji Melalui Sukuk dan Deposito Bank Syariah Terhadap Pengembangan Dana Haji Di Indonesia Periode 2016 - 2019 Safitriawati, Tita; Fauziah Ulfah, Indar; Widayati, Neneng
Bisei : Jurnal Bisnis dan Ekonomi Islam Vol 6 No 01 (2021): Juni
Publisher : Fakultas Ekonomi, Universitas Hasyim Asy'ari Tebuireng Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/bisei.v6i01.1570

Abstract

Abstract: Development of Hajj funds in Indonesia for the 2016-2019 period. This research uses a descriptive method by analyzing data taken from secondary data directly to the BPKH website and literature study. The data analysis technique used is data collection, data reduction, data display, verification, and concluding. The results of this study indicate that the optimization of investment in hajj funds through Sukuk and Islamic bank deposits has increased from year to year so that it can increase financing in organizing Hajj. In 2018, referring to PP. 5 In 2018, BPKH plans to differentiate Hajj fund investments in gold (5%), direct investment (15%), and other investments (10%). Besides, the proportion of placement of funds in savings/time deposits decreased to 50% and placements in Sukuk to 20%. Then, in 2020, the proportion of placement of funds in savings/time deposits will again decrease to only 30% and transfer this proportion to Sukuk and direct investment.
The Potential of Municipal Sukuk Issuance in Indonesia - A Review of Theoretical Research Ulfah, Indar Fauziah
Perisai : Islamic Banking and Finance Journal Vol 7 No 2 (2023): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i2.1664

Abstract

The main objective of this study is to provide local authorities with municipal Sukuk as an alternative to financing local infrastructure and developing areas. This study reviews the previous literature examining contemporary municipal sukuk and Discussed issues related to restrictions on the issuance of municipal sukuk. The research shows that the barriers to municipal Sukuk issuance are: Regional Barriers, Credit risk, Political Risk, Credit Weakness among stakeholders, Lack of through understanding of Shariah and financing and implementation. It was an exploratory study and aimed to identify barriers to becoming municipal bonds. Blocks of municipal Sukuk are listed from all possible sources. The study proposes some practical ways to overcome the obstacles to the provision of municipal sukuk in order to promote more municipal sukuk in various regions of the country to support sustainable development through equitable infrastructure distribution.
Analisis Pengaruh Rasio Keuangan dan Good Corporate Governance Terhadap Income Smoothing Perbankan Syariah Di Indonesia (Studi Kasus Pada Bank Umum Syariah Periode 2012 – 2016) Fauziah Ulfah, Indar
EKONOMI BISNIS Vol. 25 No. 1 (2019): Ekonomi Bisnis
Publisher : Universitas Islam Syekh-Yusuf

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33592/jeb.v25i1.285

Abstract

Tujuan dari penelitian ini adalah untuk menguji apakah bank syariah di Indonesia melakukan manajemen laba dengan perataan laba. Variabel dependen yang digunakan dalam penelitian ini adalah praktik perataan laba (Income Smoothing), variabel independen yang digunakan dalam penelitian ini adalah rasio non performing financing (NPF), net profit margin (NPM), return on asset (ROA), financing to deposit ratio (FDR), dan Good corporate governance (GCG). Obyek yang diteliti dalam penelitian ini adalah Bank Umum Syariah yang terdaftar di otoritas jasa keuangan (OJK) tahun 2014-2016. Sampel dipilih dengan menggunakan metode purposive sampling dan diperoleh 11 bank syariah menjadi sampel. Koefisien/indeks Eckel digunakan sebagai alat untuk mengidentifikasi praktik perataan laba. Selanjutnya dilakukan statistik deskriptif dan analisis regresi logistik untuk menguji setiap hipotesis. Hasil penelitian menunjukkan bahwa bank syariah melakukan manajemen laba dengan praktek perataan laba. Selanjutnya, tiga variabel independen secara signifikan (NPM, ROA, GCG) positif dan negatif mempengaruhi variabel dependen, dan dua Variabel independen tidak signifikan (NPF,FDR). Sementara secara simultan kelima independen variabel berpengaruh signifikan terhadap variabel dependen. Kata Kunci: Manajemen Laba, Perataan Laba, Bank Umum Syariah, Indeks Eckel, Akuntansi syariah
INKLUSI KEUANGAN PERBANKAN SYARIAH BERBASIS DIGITAL -BANKING: ANALYTICAL TOOLS DAN ANALISIS SWOT Ulfah, Indar Fauziah; Yetmi, Yosi Safri
EKONOMI BISNIS Vol. 26 No. 2 (2020): Ekonomi Bisnis
Publisher : Universitas Islam Syekh-Yusuf

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

Abstract

Penelitian ini bertujuan untuk melihat fenomena financial technology terhadap inklusi keuangan di perbankan syariah. Dengan melihat tantangan indonesia dengan mayoritas penduduk beragama islam namun memiliki indeks literasi keuangan syariah yang masih rendah yakni sebesar 8,11% dan indeks inklusi keuangan syariah sebesar 11,06% (OJK:2016), serta melihat perkembangan market share yang masih sangat rendah sebesar 5,92% per september 2018, dengan berkembangnya era revolusi digital 4.0 menjadi tantangan dalam meningkatkan inklusi keuangan syariah yang akan berdampak pada produktifitas dan pangsa pasar perbankan syariah.Maka penting untuk menjawab tantangan ini dengan mengoptimalkan jasa layanan perbankan syariah terutama layanan berbasis Digital-Banking agar mampu menjangkau masyarakat yang selama ini sulit mengakses perbankan syariah serta memaksimalkan Digital-Banking ini dengan menciptakan layanan yang efektif, efisien, aman, lebih dekat dengan masyarakat serta lebih mudah diaplikasikan dengan biaya yang terjangkau dan cepat.Penelitian ini merupakan penelitian kualitatif dengan mengambil data sekunder melalui studi kepustakaan. Berdasarkan analisis SWOT (Strenght-Weakness-Opportunity-Threat) dalam penelitian ini dapat disimpulkan Digital Banking dapat meningkatkan inklusi keuangan syariah melalui berbagai macam strategi dalam analisis faktor internal dan eksternal SWOT
ANALYSIS OF THE INFLUENCE OF SOVEREIGN SUKUK FINANCING ON ECONOMIC GROWTH IN INDONESIA Ulfah, Indar Fauziah; Sugiarti, Dian
An-Nisbah: Jurnal Ekonomi Syariah Vol 11 No 1 (2024)
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v11i1.9439

Abstract

Abstrak: Pasar sukuk telah mengalami pertumbuhan yang pesat, terutama di sebagian besar negara dengan mayoritas penduduk Muslim. Oleh karena itu, Asia Tenggara menjadi pasar sukuk yang paling cepat berkembang di dunia, di mana industri keuangan syariah berkembang pesat di Malaysia, Indonesia, dan Brunei. Berbagai studi menunjukkan bahwa keuangan syariah merangsang pertumbuhan ekonomi. Namun, masih terbatas penelitian murni tentang hubungan antara sukuk dan pertumbuhan ekonomi. Untuk alasan ini, serta sebagai perluasan dari studi mengenai sukuk dan pertumbuhan ekonomi, penelitian ini menganalisis hubungan antara pembiayaan sukuk dan pertumbuhan ekonomi dalam kerangka model pertumbuhan endogen. Penelitian ini secara empiris meneliti dampak pembiayaan sukuk sebagai faktor eksogen terhadap pertumbuhan ekonomi dalam model pertumbuhan endogen. Oleh karena itu, makalah ini adalah yang pertama mengeksplorasi hubungan antara pembiayaan sukuk dan pertumbuhan ekonomi dalam kerangka model pertumbuhan endogen, dan diyakini bahwa penelitian ini akan memberikan kontribusi yang signifikan. Metode penelitian yang digunakan adalah analisis korelasi dan regresi linier sederhana. Dapat disimpulkan bahwa variabel Penerbitan Sukuk Nasional (X) memiliki pengaruh positif terhadap variabel Pertumbuhan Ekonomi (Y) di Indonesia (b = 0,68). Korelasi antara Penerbitan Sukuk Nasional dan Pertumbuhan Ekonomi adalah 0,942. Oleh karena itu, dapat disimpulkan bahwa terdapat korelasi positif dan kuat antara Penerbitan Sukuk Nasional dan Pertumbuhan Ekonomi di Indonesia. Kata kunci: Sukuk, Pertumbuhan Ekonomi, Pembiayaan, Pasar Modal Syariah Abstract: The Sukuk market has experienced massive growth, particularly in most countries with a majority Muslim population. Therefore, Southeast Asia is the world's most rapidly growing Sukuk market, where the Islamic finance industry has flourished across Malaysia, Indonesia, and Brunei. Numerous studies indicate that Islamic finance stimulates economic growth. However, there is limited pure research on the relationship between Sukuk and economic growth. For this reason, and as an extension of Sukuk and economic growth studies, this research analyzes the relationship between Sukuk financing and economic growth within the framework of an endogenous growth model. It empirically investigates the impact of Sukuk financing as an exogenous factor on economic growth in the endogenous growth model. Therefore, this paper is the first to explore the relationship between Sukuk financing and economic growth within the endogenous growth model framework, and it is believed that this research will make a significant contribution. The research method employed is the analysis of correlation and simple linear regression. It can be concluded that the variable of National Sukuk Issuance (X) has a positive influence on the variable of Economic Growth (Y) in Indonesia (b = 0.68). The correlation between National Sukuk Issuance and Economic Growth is 0.942. Therefore, it can be concluded that there is a positive and robust correlation between National Sukuk Issuance and Economic Growth in Indonesia. Kata kunci: Sukuk, Economic Growth, Financing, Islamic Capital Market
RESONANSI OBJEK WISATA DENGAN NILAI ERGO-IKONIK UNTUK PENGEMBANGUN BERKELANJUTAN Chandra Murti Dewi Widowati Hermajiwandi; Hubertina Karolina Ngarbingan; Indar Fauziah Ulfah; Yudhi Prasetiyo; Raden Abdurrohman Thohir Wijaya; Andriyansah Andriyansah
Jurnal Ilmiah Satyagraha Vol 7, No 2 (2024)
Publisher : Universitas Mahendradatta Denpasar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47532/jis.v7i2.1066

Abstract

This research aims to complete or fill the research gap conducted by previous researchers related to sustainable tourism development. This research uses a quantitative approach with a survey technique of 50 responses conducted during the April 2024 joint leave at the Belitung island tourist attraction. This research found that tiktok, natural, no additional costs, halal culinary are important points for tourists when deciding to travel. aligning tourist attraction development with these values, destinations can increase visitor satisfaction, preserve cultural and natural heritage, encourage local community involvement, and promote responsible and sustainable tourism practices. To achieve this resonance, tourist destination development should engage local stakeholders, adopt a place-based approach, apply ergonomic and eco-friendly design principles, authentically interpret cultural and natural heritage, and monitor and manage tourism impacts. The resonance of tourist attractions with ergo-iconic values can create meaningful tourism experiences and contribute to sustainable tourism development.
The Urgency of Quality Human Resources Towards Sharia Banking Efficiensy Yeni Suryani; Indar Fauziah Ulfah
LAA MAISYIR: Jurnal Ekonomi Islam The 2nd International Collaboration Conference on Islamic Economics (ICCEIS) 2024 “Global Innovati
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v1i1.52959

Abstract

Sharia Banks as banks that carry out their business activities based on sharia principles, have an important role in financial institutions in Indonesia. This research analyzes how important quality human resources are in ensuring sharia banks can operate efficiently and sustainably. The research method used is qualitative analysis with a literature study or literature review approach. This research shows that the development of quality human resources is very necessary in achieving efficiency in Sharia Banking activities. Quality SDI must have sharia-based human resource competencies. And also as a Muslim who works in sharia banking, you must obey Allah. Increasing SDI competency can be done internally and externally. Human Resources’ competencies, characteristics, conformity with Islamic principles are very influential in determining how Islamic banking can work and develop. In this way, sharia banks can improve service quality, increase credibility, and increase customer satisfaction so as to achieve an efficient sharia bank
ANALISIS MUAMALAH YANG DILARANG DITERAPKAN DALAM PERSPEKTIF FIQIH Muti’ah, Huriatul; Ulfah, Indar Fauziah
JURNAL MUAMALAT INDONESIA - JMI Vol 4, No 2 (2024): Jurnal Muamalat Indonesia
Publisher : FAKULTAS EKONOMI DAN BISNIS UNTAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26418/jmi.v4i2.86991

Abstract

Ibadah bukanlah satu satunya yang diajarkan oleh Islam tetapi seluruh aspek kehidupan manusia: politik, iman,ekonomi, ibadah , moralitas , rumah tangga, dll. Karena islam menjadi agama wasathon, yang berarti pertengahan atau keseimbangan tidak terlalu mengekang dan juga tidak terlalu longgar, seperti halnya dalam muamalah, islam mengatur dengan begitu detail bagaimana menerapkan hukukul adami  yang baik dan benar agar terbentuknya kesejahteraan untuk semua orang, dan begitu rinci dalam menjelaskan hal-hal yang lain, seperti didalam permasalahan muamalah yang menyangkut tentang muamalah yang dilarang diterapkan. Maka dari itu perlunya analisis tentang hal ini agar terhindarnya manusia dalam kemungkaran atau kedzoliman. Tujuan lain dari analisis muamalah yang dilarang diterapkan agar manusia tau apa saja yang perlu dihindari untuk tidak diterapkan dan apa saja yang perlu diterapkan untuk kemaslahatan. Metode dalam menerapkan analisis ini adalah metode kualitatif deskriptif dengan dokumentasi, karena data penelitian diambil dari hasil penelusuran referensi yang bersumber dari pustaka, berupa buku, artikel dan karya ilmiah. Data yang terkumpul lalu dianalisis deskriptif analitik. Riba yang terjadi pada masyarakat riba yang ada dalam barter atau pertukaran benda. Hasil penelitian menunjukkan bahwa secara global muamalah yang dilarang diterapkan kepada masyarakat mengakibatkan dosa, mendzolimi orang lain, dan juga membuat kehidupan kita tidak nyaman dan tenang yang disebabkan oleh hasil dari kegiatan yang haram.
Pilgrimage Tourism to Wali Tombs and Halal Destination Management Based on Sharia Values Kusumaningtyas, Menur; Ulfah, Indar Fauziah; Latifah, Fitri Nur; Putranto, Johni Harius
Perisai : Islamic Banking and Finance Journal Vol 8 No 2 (2024): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v8i2.1747

Abstract

This study explores the relationship between pilgrimage tourism to Wali tombs and halal tourism, focusing on the integration of Sharia values in the management of religious destinations. In the context of East Java, this research examines the application of Sharia principles by site managers to maintain the sanctity and integrity of the sites, as well as its impact on the experience of Muslim tourists. The study uses a qualitative approach with a case study method. Data were collected through in-depth interviews with site managers, tourists, and local communities, along with direct field observations. The findings show that the application of Sharia management in site operations not only enhances tourist satisfaction but also strengthens the local economy and cultural preservation. However, the study also found a lack of understanding of Sharia values among some site managers. This research provides recommendations for site managers to create tourist destinations aligned with Sharia principles, supporting the growth of halal tourism in Indonesia. It is hoped that the results of this study can serve as a reference for developing policies on sustainable and responsible religious tourism.This study has several limitations, including the geographical scope limited to East Java and restricted access to all pilgrimage site managers. Therefore, the findings cannot be generalized to all religious tourism destinations in Indonesia. Further research covering a broader area is recommended to enrich the findings.
The Effect of Macroeconomic Variables on the Growth of Corporate Sukuk Issuance Ulfah, Indar Fauziah; Yetmi, Yosi Safri; Khairunnisa, Indah
El-Qish: Journal of Islamic Economics Vol. 2 No. 1 (2022): El-Qish: Journal of Islamic Economics
Publisher : LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33830/elqish.v2i1.3173.2022

Abstract

Sukuk is a reliable instrument in obtaining medium-term financing sources with sharia principles. Many companies have started issuing Sukuk, seeing the opportunity for the majority of the Muslim population in Indonesia. The returns provided are relatively more profitable for investors. Still, in 2019 the COVID-19 pandemic began to have an impact on the economy. Macroeconomic variables caused people's purchasing power and investment interest to decline so that many companies began to experience difficulties both in terms of sales and capital. This study aims to analyze the effect of to analyze the effect of macroeconomic variables, namely the dollar exchange rate, inflation, money supply, and the BI Rate on Corporate Sukuk Issuance in Indonesia for the 2015-2020 period. The type of research used is quantitative associative with secondary data. The method for taking samples uses the purposive sampling method using specific criteria or considerations. The sample taken is corporate Sukuk in Indonesia. The analytical method used is quantitative analysis with an associative approach. Meanwhile, to answer the hypothesis using a linear regression test consisting of t-test and F test and test the coefficient of determination (R2). This study partially shows that the exchange rate has no significant effect on the Issuance of Corporate Sukuk in Indonesia. In contrast, Inflation, Money Supply, and the BI Rate significantly affect the Issuance of Corporate Sukuk in Indonesia. Meanwhile, simultaneously, the exchange rate, inflation, money supply, and the BI Rate significantly affect the Issuance of Corporate Sukuk in Indonesia. With a coefficient of determination of 94.9%.
Co-Authors Andriyansah . Chandra Murti Dewi Widowati Hermajiwandi Dian Sugiarti Diana Novita Fitri Nur Latifah Haspitasari, Selvia Hubertina Karolina Ngarbingan Khairunnisa, Indah Kusumaningtyas, Menur Murti Dewi Widowati Hermajiwandini, Chandra Muti’ah, Huriatul Nisa Purnamasari Pradana, Hasta Dwi Putranto, Johni Harius Raden Abdurrohman Thohir Wijaya Rina Amelia RINI FEBRIANTI Rini Yayuk Priyati, Rini Yayuk Safitriawati, Tita Suhartono Widayati, Neneng Widowati Hermajiwandini, Chandra Murti Dewi Yeni Suryani Yetmi, Yosi Safri Yosi Mardoni Yudhi Prasetiyo