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All Journal Jurnal Manajemen Teknologi Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) IQTISHADIA Indonesian Journal of Business and Entrepreneurship (IJBE) Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Journal of Consumer Science IJIBE (International Journal of Islamic Business Ethics) Agrokreatif Jurnal Ilmiah Pengabdian kepada Masyarakat Jurnal Ekonomi dan Bisnis Islam Tazkia Islamic Finance and Business Review Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Journal of Consumer Sciences Economica: Jurnal Ekonomi Islam Al-Muzara'ah Islaminomics: Journal of Islamic Economics, Business and Finance Aptisi Transactions on Technopreneurship (ATT) Journal of Islamic Monetary Economics and Finance International Journal of Zakat (IJAZ) Journal of Sustainable Tourism and Entrepreneurship Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Jurnal Pusat Inovasi Masyarakat Adpebi Science Series Halal Studies and Society Al-Infaq : Jurnal Ekonomi Islam Mizan: Journal of Islamic Law
Laily Dwi Arsyianti
Department Of Islamic Economics, Faculty Of Economics And Management, Bogor Agricultural University, IPB Darmaga Campus, Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Construction Of CIBEST Model as Measurement of Poverty and Welfare Indices From Islamic Perspective Beik, Irfan Syauqi; Arsyianti, Laily Dwi
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 7 No. 1 (2015)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v7i1.1361

Abstract

One of the major challenges faced by most of the Islamic countries is poverty. This paper attempts to construct the concept of poverty and welfare standards based on Islamic perspective.The study tries to cover both material and spiritual dimensions. These standards are based on CIBEST Quadrant, which is divided into four quadrants: welfare quadrant (I), material poverty quadrant (II), spiritual poverty quadrant (III) and absolute poverty quadrant (IV). Determination of these quadrants is resulted from criteria and indicators of basic material needs and basic spiritual needs. By using household as unit of analysis, this study is able to developCIBEST Model comprising welfare index,  material  poverty  index,  spiritual  poverty  index,  and  absolute  poverty index. Mathematical formula and illustration of the indices are also elaborated to strengthen the concept.DOI:10.15408/aiq.v7i1.1361
Enhancing Financial Education: Debt-Taking And Charity-Giving Context In Indonesia Arsyianti, Laily Dwi; Kassim, Salina; Adeyemi, Adewale Abideen
Li Falah: Journal of Islamic Economics and Business Vol. 3 No. 2 (2018): December 2018
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v3i2.1195

Abstract

The low-income households are perceived to have the right to take debt from excessfinanced group or entitled for some charity. However, this perception has blur their attitude towards charity-giving. Low-income should not consider themselves as 'the taker' in perpetual. They should instil giving behaviour and consider themselves as 'the giver'. Experts from financial education and Islamic finance areas are interviewed. Results from Analytic Network Process suggest that setting specific targeted behaviour is the most priority, with debt-taking focus of interest. Women apparently become the most urgent targeted audience of Islamic finance education. Before executing education program, participant’s belief towards Islamic value should be built. Experts suggest formal education institution be the most preferable place to establish the program, in collaboration with formal financial institutions to conduct the training and support from government budget. Introducing Islamic economics and finance values from the earlier stage of formal education would be suitable for future consideration.
THE ROLE OF SHARIAH SUPERVISORY BOARD IN ISLAMIC FINANCIAL INDUSTRY Arsyianti, Laily Dwi
Al-Infaq: Jurnal Ekonomi Islam Vol. 1 No. 1 (2010): SEPTEMBER
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

The obligatory of indoctrinating Muslim society with Islamic norm is unequivocally a need itself. Since the demand and the progress of Islamic financial industry has been growth immensely, an independent body auditing the operation becomes indispensable from day to day. It is not only auditing for the accountability of the Islamic financial institution (IFI)’s operation but also an auditing for the operation to be Shariah compliance. The Shariah supervisory board (SSB), comprises high caliber scholars, is formed in order to assess whether the operations and the products offered by IFIs are complying Shariah rules, in general. This paper elaborates their responsibilities and the manner of SSB in conducting their role in order to achieve the good corporate governance. Since the methodology usedby scholars in their interpretation may differ and the circumstances faced when drawing conclusions and interpretation may also differ, different resolution may actually arise among them. Hence, it may difficult to achieve consensus in every issue, not only among scholars but also among Shariah forums. This paper also discusses and compares the different structure applied by Iran, Indonesia, and Malaysia financial systems.
ANALISA TINGKAT PENGEMBALIAN PEMBIAYAAN BANK SYARIAH YANG LEBIH TINGGI DIBANDINGKAN DENGAN BANK KONVENSIONAL: STUDI KASUS MALAYSIA Arsyianti, Laily Dwi; Beik, Irfan Syauqi
Al-Infaq: Jurnal Ekonomi Islam Vol. 2 No. 1 (2011): MARET
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

Islamic banking industry has become financial-nerve centre in today’s world economy, particularly in the last three decades. It has attracted various entrepreneurs and enterprises to get its financing. However, Islamic banks tend to have a higher rate of financing compared to the conventional ones. This less competitiveness encourage the demand for Islamic products may fall leaving the Islamic banks. Good debtors opted for conventional loans since the interest rates paid were relatively lower and the rest (the bad debtors) successfully made their way to Islamic banks. Therefore, the non-performing financing of Islamic banks is high. This paper attempts to analyze factors that determine high rate of financing in Islamic banks, by taking the case of Malaysian Islamic banks. In this paper, the top three of Islamic banks and conventional banks are selected for comparison. It finds that high default premium contribute significantly to the high financing rate, while the overheads per capital is no more significantly contribute to it. Hence, the Islamic banks should diversify their assets and implement universal banking concept.
A STUDY OF FINANCIAL PLANNING OF INDONESIAN FAMILY LIVING IN KUALA LUMPUR, MALAYSIA Arsyianti, Laily Dwi
Al-Infaq: Jurnal Ekonomi Islam Vol. 2 No. 2 (2011): SEPTEMBER
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

Many related studies have been conducted in various developed countries and East Asia countries, but rarely in developing countries, including Indonesia. This study focuses on financial planning of Indonesian families living in Kuala Lumpur, Malaysia. Furthermore, gender and spirituality aspects will be studied regarding the financial decision making in the families and savings and investment pattern will be investigated. The desired objectives that want to be achieved by this research are as follow: to study the pattern of financial decision making made by Indonesian families living in Kuala Lumpur; to investigate the savings and investment planning activities of Indonesian families living in Kuala Lumpur; and to examine the impact of religiosity on their financial decisions. Primary data was obtained through interview method. The interviews were conducted to 10 Indonesian Muslim families. Each couple has their own unique financial planning behaviour. However, among this unique behaviour, there are some redline principles that can show particular pattern, but still, its possibility to generalize the pattern is not that accurate. Consequently, further study regarding the uniqueness behaviour of families living in or originally from developingcountries has to be more investigated to find out what are the rationale behind the scene.
PERENCANAAN PEMBELIAN RUMAH TINGGAL Arsyianti, Laily Dwi
Al-Infaq: Jurnal Ekonomi Islam Vol. 3 No. 1 (2012): MARET
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

Salah satu kebutuhan hidup manusia yang utama adalah memiliki tempat tinggal. Namun, tidak jarang ditemukan kendala untuk membeli rumah, salah satunya adalah ketersediaan dana tunai yang cukup di saat yang sama. Oleh karena itu, tulisan ini mencoba berbagi pengetahuan mengenai skema kepemilikan rumah serta bagaimana merencanakan kepemilikan tersebut sejak awal. Pada akhirnya, rumah tidak harus dimiliki secara fisik saja melainkan dapat pula dimiliki manfaatnya tanpa harus memiliki fisiknya. Perencanaan yang terinci perlu diperkirakan sejak awal untuk dapat memiliki rumah secara fisik.
MERUMUSKAN ALOKASI SUMBERDAYA KEUANGAN SEBAGAI BAHAN LITERASI KEUANGAN SYARIAH Arsyianti, Laily Dwi
Al-Infaq: Jurnal Ekonomi Islam Vol. 4 No. 2 (2013): SEPTEMBER
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

Setiap orang dituntut untuk mempertanggungjawabkan perbuatannya, termasuk pengambilan keputusannya dalam keuangan. Dengan demikian, implikasinya adalah seseorang dituntut untuk mempunyai pengetahuan yang cukup mengenai keuangan, atau disebut dengan literasi keuangan. Karya tulis ini mencoba merumuskan peta alokasi sumberdaya keuangan yang sesuai dengan syariah untuk membantu para pembuat keputusan dalam mengambil berbagai tindakan keuangan. Metode yang digunakan adalah studi pustaka. Peta alokasi yang dirumuskan dalam karya tulis ini adalah CDIC (Charity, Debt, Investment, Consumption) dengan urutan prioritas sesuai dengan urutan pemetaannya. Peta alokasi ini dianggap mampu menjadi salah satu cara yang dapat digunakan untuk meningkatkan kesejahteraan seseorang, bahkan mampu mengurangi tingkat kemiskinan.
MEMBANGUN KEMANDIRIAN FINANSIAL PRIBADI DAN UMAT Arsyianti, Laily Dwi; Beik, Irfan Syauqi
JURNAL ILMU SYARIAH Vol 1 No 2 (2013): DESEMBER
Publisher : IBN KHALDUN BOGOR

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/mizan.v1i2.382

Abstract

Life in the world not only involves compulsory worship but also social relations. Our interest in social relationships is to build a prosperous people in the world and in the Hereafter, as well as our task which has been determined as a vicegerent on earth. This article tries to explain the steps that need to be taken to develop the independence both personally and in the unity of the people, from the financial side. This financial capital which became one person and Muslims widely, to help the robustness of the buildings and the revival of the Ummah. Therefore, in the end we can stand on its own without depending on any party that can control us and may be misleading the people.
Co-Authors Abideen Adewale Adelia Adelia Adewale Abideen Adeyemi Adeyemi, Adewale Abideen Amirah Firas Mufidah Ascarya Ascarya Atikah, Raden Muhammad Jiddan Aziz Aurahma, Adora Daffa Aqomal Haq Dewi, Destiana Rahmawati Divary Raihan Pratama Divary Raihan Pratama Dominicus Savio Priyarsono Fajar Maulana . Fitriana Rahman Furqon Syarief Hidayatulloh Geri Suryadi Haq, Daffa Aqomal Hartoyo Hartoyo Hendri Hermawan Adinugraha Ibdalsyah Ibdalsyah Imam Teguh Saptono Indupurnahayu Iqbal Mahmudin Irfan Syauqi Beik irwandar, Sapta N Jesika Permatasari Joko Affandi Lilik Noor Yuliati Lutfiyah, Konita M. Syamsul Maarif Marcellina, Aaliya Mariyah, Meliani Siti Marsa, Salsabila Mohammad Iqbal Irfany Muthohharoh, Marhamah Myrella Velika Amanta Nadia Fauzana Nadia Fauzana Nadiya Ulfa Nur Baethi Hariyana Primadona, Fitry Priyo, Ahsanul Hadi Puspitasari, Fadiyah Hasta Renea Shinta Aminda Ryan Arif Basardi Ryan Arif Basardi Salina Kassim Salina Kassim Salina Kassim Salina Kassim Salsabila Marsa Saputra, Danu Chandra Sopyan, Dedi Thahira, Hana Ulfa, Nadiya Wiwiek Rindayati Yudha Heryawan Asnawi Yusman Syaukat