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All Journal Jurnal Ilmiah Edunomika (JIE) Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Margin : Jurnal Bisnis Islam dan Perbankan Syariah
Rohmah, Rifka Nazilatur
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Other

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Financial Sustainability Ratio (FSR) Pada BUS di Indonesia Tahun 2012-2018: Penggunaan Metode Maqashid Syariah Index (MSI) Rifka Nazilatur Rohmah; Ruslan Abdul ghofur Noor; Erike Anggraeni
Al-Tijary AL-TIJARY VOL. 6, NO. 2, JUNI 2021
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (415.29 KB) | DOI: 10.21093/at.v6i2.3068

Abstract

Many methods can be used in measuring company finances, including Islamic Commercial Banks. Maqashid Sharia Index (MSI) is a measuring tool in calculating the Financial Sustainability Ratio (FSR). This study aims to measure the FSR of Islamic commercial banks using the MSI measuring instrument method. The results will see the extent to which MSI can calculate the FSR of Islamic retail banks. MSI also estimates how far MSI is connected to the FSR. The method used in this research is descriptive quantitative research. The data obtained is in the form of secondary data. The data is compiled based on the financial reports of BUS that are registered with the OJK from 2012 to 2020. Sampling was done using the purposive sampling technique. The data collection technique uses the documentation method. The analysis used includes regression test, partial test, ANOVA test, and coefficient of determination. The results showed that MSI has a positive effect on FSR. MSI also provided information that the FSR provided positive results for Islamic commercial banks by being aware of the ummah's problems.
Analisis Pengaruh Literasi Zakat dan Sosialisasi BAZNAS Terhadap Kepatuhan Membayar Zakat di Kota Bandar Lampung Rohmah, Rifka Nazilatur
Margin: Jurnal Bisnis Islam dan Perbankan Syariah Volume 3 Nomor 2 Agustus 2024
Publisher : Sekolah Tinggi Agama Islam Ma`arif Kalirejo Lampung Tengah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58561/margin.v3i2.239

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi zakat dan sosialisasi BAZNAS terhadap kepatuhan membayar zakat di Kota Bandar Lampung. Latar belakang penelitian ini didasari oleh masih rendahnya tingkat kepatuhan masyarakat Muslim dalam menunaikan zakat secara formal melalui lembaga resmi seperti BAZNAS. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei. Data dikumpulkan melalui penyebaran kuesioner kepada 100 responden muzakki yang berdomisili di Kota Bandar Lampung. Teknik analisis yang digunakan adalah regresi linier berganda untuk menguji pengaruh simultan dan parsial dari variabel independen (literasi zakat dan sosialisasi BAZNAS) terhadap variabel dependen (kepatuhan membayar zakat). Hasil penelitian menunjukkan bahwa baik literasi zakat maupun sosialisasi BAZNAS berpengaruh positif dan signifikan terhadap kepatuhan membayar zakat, baik secara parsial maupun simultan. Nilai koefisien determinasi (R²) sebesar 0,52 menunjukkan bahwa 52% variasi kepatuhan membayar zakat dapat dijelaskan oleh kedua variabel independen tersebut. Temuan ini mengindikasikan pentingnya peningkatan literasi dan intensitas sosialisasi zakat oleh BAZNAS untuk meningkatkan kepatuhan masyarakat dalam menunaikan kewajiban zakat.
OPTIMALISASI LITERASI DALAM MENINGKATKAN INKLUSI KEUANGAN SYARIAH DI ERA DIGITAL Anggraini, Winda; Widyaningsih, Dwi Ayu; Wulandari; Rohmah, Rifka Nazilatur; Widodo, Wiki
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 3 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v9i3.18109

Abstract

The advancement of digital technology has transformed the landscape of financial services globally, including in the Islamic finance sector. Amid the rapid pace of digitalization, Islamic financial inclusion has become a strategic agenda to promote public access to financial products and services based on Sharia principles. However, the low level of Islamic financial literacy remains a significant obstacle in achieving optimal inclusion. This study aims to analyze the effect of Islamic financial literacy on Islamic financial inclusion in the digital era, with a case study in Pringsewu Regency. The research employs a quantitative approach through a survey of 400 purposively selected respondents. Regression analysis results indicate that Islamic financial literacy has a positive and significant effect on the level of digital Islamic financial inclusion, with a regression coefficient value of 0.705 and a significance level of 0.000. These findings suggest that improving literacy regarding Islamic financial products, contracts (akad), and fundamental values can strengthen public participation in the digital Islamic finance ecosystem. Therefore, collaboration among regulators, financial institutions, and educational institutions is essential to expand Sharia-based financial education through technology to achieve equitable and sustainable financial inclusion.
Co-Authors Erike Anggraeni Ruslan Abdul Ghofur Ruslan Abdul Ghofur Noor Widodo, Wiki Widyaningsih, Dwi Ayu Winda Anggraini WULANDARI