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All Journal An-Nisbah: Jurnal Ekonomi Syariah Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah JURNAL MANAJEMEN DAN BISNIS INDONESIA El-Qist : Journal of Islamic Economics and Business (JIEB) Journal of Islamic Philanthropy and Disaster Musyarakah: Journal of Sharia Economics (MJSE) Jurnal Media Akademik (JMA) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah An-Nisbah: Jurnal Ekonomi Syariah Jurnal Kajian Ekonomi dan Perbankan Syariah
Fitria Idham Chalid
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Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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WHAT DRIVES RETURN OF SUKUK IN THE LONG AND SHORT TERMS? Bella, Firsty izzata; Chalid, Fitria Idham; Rusgianto, Sulistya
An-Nisbah: Jurnal Ekonomi Syariah Vol 8 No 2 (2021): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v8i2.4676

Abstract

This study aims to determine the effect of liquidity, inflation, and interest rates on the return of State Retail Sukuk (SUKRI) both in the short term and in the long term. Sampling in this study used a purposive sampling method by considering that the maturity of the series is the most recent and can be obtained in the secondary market and the data sources obtained from the monthly statistical reports of the Indonesia Stock Exchange (idx.go.id), the official website of Bank Indonesia (bi.go.id), as well as through a special request to The Indonesia Capital Market Institute (TICMI). Analysis of the data used in this study is a time series, namely research that is measured over a certain period of time. The period data used was in March 2017 on the grounds that the 009 Retail Sukuk as the object of this study were published in that month and ended in March 2020. The method used in this study is ARDL-ECM after going through the stationarity test and cointegration test. The results show that in the long term only the BI rate variable has a significant positive effect on Sukuk Returns, while in the short term only the Liquidity variable has a significant effect on Sukuk Returns. On the other hand, the inflation variable is known to have no significant effect on the Sukuk Returns in the long and short term. This research can be a reference for investors to make decisions in choosing SUKRI as their investment portfolio, as well as a consideration for the government in regulating risk management policies and determining the results offered to SUKRI which will be issued for subsequent series.
Determinant of Non-Performing Financing in Indonesian Islamic Commercial Banks in time of Covid-19 Pandemic Fitria Idham Chalid; Firsty Izzata Bella
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 13, No 2 (2021)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v13i2.9072

Abstract

This study intended to determine the influence of internal and external factors of Islamic banks on the Non-Performing Financing (NPF) ratio during the global financial crisis effect Covid-19. This research by utilizing quarterly data on the panel data method with 11 Islamic Commercial Banks (IBs) in the 2019Q1-2020Q4 period sourced from financial report of each bank and the Central Statistics Agency (BPS). The results indicate that all independent variables, namely the Financing to Deposit Ratio (FDR), Bank Size, and Economic Growth have a significant negative effect on NPF, except for the Capital Adequacy Ratio (CAR). This can be inferred that the credit restructuring policy enacted by the Indonesian government has been effectively decreasing the ratio of NPF in banks, especially for IBs in Indonesia during the pandemic of Covid-19
Determinant of Indonesian Sovereign Retail Sukuk’s Return: Determinan Return Sukuk Ritel Negara Indonesia Firsty Izzata Bella; Fitria Idham Chalid
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 12 No. 1 (2022): el-Qist
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.2022.12.1.111-124

Abstract

Abstract: Retail Sukuk is one of the Islamic investment instruments that Muslim investors can choose in investing and can be used by the government as an alternative to financing the APBN deficit. This study aims to determine the effect of liquidity risk, inflation risk, and market risk on the return of Retail State Sukuk (SUKRI). A sampling of Retail Sukuk Series 009 (SR009) was conducted using the purposive sampling method with the consideration that the maturity of the series is the latest and can be traded on the secondary market. Through a multiple linear regression model with the Ordinary Least Square (OLS) analysis technique, the results indicated that simultaneously all independent variables (liquidity, inflation, and interest rates) had a significant effect on return (Yield). While partially the results have shown between each different variable where liquidity has a significant negative effect on yield, interest rates show a significant positive effect. In contrast, inflation has no significant effect on yield. The results of this study can be utilized as a reference for investors in making decisions to choose SUKRI as their investment portfolio because the yield can be viewed from both the liquidity of the Sukuk and macro-economics conditions such as inflation and interest rates. Hence, when the interest rate increases, the investor can decide to invest in SUKRI. In addition, the results of this study can be used as a consideration for the government in regulating risk management policies and determining the returns offered to SUKRI, which will be issued for the next series. Keywords: Sukuk Yield; Liquidity Risk; Retail Sukuk; Multiple Linear Regression.   Abstrak: Sukuk ritel merupakan salah satu instrument investasi syariah yang dapat dipilih oleh investor muslim dalam berinvestasi dan dapat digunakan oleh pemerintah sebagai alternatif dalam membiayai defisit APBN. Penelitian ini bertujuan untuk mengetahui pengaruh risiko likuiditas, risiko inflasi, dan risiko pasar terhadap return Sukuk Negara Ritel (SUKRI). Pengambilan sampel Sukuk Ritel Seri 009 (SR009) dilakukan dengan menggunakan metode purposive sampling dengan pertimbangan jatuh tempo dari seri tersebut paling baru dan dapat diperdagangkan di pasar sekunder. Melalui model regresi linier berganda dengan teknik analisis Ordinary Least Square (OLS), hasil penelitian menunjukkan bahwa secara simultan semua variabel independen (likuiditas, inflasi, dan suku bunga) berpengaruh signifikan terhadap imbal hasil (Yield). Sedangkan secara parsial hasil yang ditunjukkan antara masing-masing variabel berbeda dimana likuiditas berpengaruh negatif signifikan terhadap Yield, suku bunga menunjukkan pengaruh positif signifikan, sedangkan inflasi tidak berpengaruh signifikan terhadap Yield. Hasil penelitian ini dapat dijadikan acuan bagi investor dalam mengambil keputusan untuk memilih SUKRI sebagai portofolio investasinya karena imbal hasil dapat ditinjau baik dari likuiditas Sukuk maupun kondisi makroekonomi seperti inflasi dan suku bunga. Sehingga, disaat suku bunga meningkat, maka investor dapat mengambil keputusan untuk berinvestasi di SUKRI. Selain itu, hasil penelitian ini dapat digunakan sebagai bahan pertimbangan bagi pemerintah dalam mengatur kebijakan manajemen risiko dan menentukan imbal hasil yang ditawarkan kepada SUKRI yang akan diterbitkan untuk seri selanjutnya. Kata Kunci: Yield Sukuk; Risiko Likuiditas; Sukuk Ritel; Regresi Linear Berganda
Analysis Of Msmes Performance And Strategy During Covid-19 Pandemic (Case Study on Halwa Cakes in Aceh) Ahmad Munawar; Husnul Mirzal; Intan Qurratulaini; Fitria Idham Chalid
JURNAL MANAJEMEN DAN BISNIS INDONESIA Vol 8, No 2 (2022)
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/jmbi.v8i2.5616

Abstract

 This study aims to analyze Performance that Including production costs, income, profit and efficiency of Micro, Small and Medium Enterprises (MSMEs) during the Covid-19 Pandemic. In addition, it also aims to know the strategy and factors that affect the results of the efficiency analysis. The research was conducted using a qualitative method with a Case Study approach on home industry businesses with the Halwa Cakes brand, located in Aceh Province. Data obtained by conducting interviews and observations. The results of this study indicate that the total cost of production is IDR 4,337,800 per month, with fixed costs of IDR 28,800 per month and variable costs of IDR 4,050,000 per month. Meanwhile, operating revenues amounted to IDR 7,560,000 with a profit of IDR 3,222,200. The efficiency value of the R / C ratio is 1.74. This means that the Halwa Cake business is considered efficient and profitable even during the Covid-19 Pandemic. This efficiency is influenced by good business and production planning, strategic location and the right product marketing strategy. The results of this study are expected to be useful for MSMEs owners and all related parties as a strategy to survive in time of Covid-19 pandemic.Penelitian ini bertujuan untuk menganalisis performa usaha yang mencakup biaya produksi, pendapatan, keuntungan dan efisiensi dari Usaha Mikro Kecil dan Menengah (UMKM) di masa Pandemi Covid-19. Selain itu penelitian ini juga ingin mengetahui strategi dan faktor yang menyebabkan hasil dari analisis tersebut. penelitian dilakukan dengan metode kualitatif dengan pendekatan studi kasus pada usaha rumah tangga dengan nama Halwa Cakes yang berlokasi di Provinsi Aceh. Pengumpulan data dilakukan dengan wawancara dan observasi. Hasil dari penelitian ini menunjukkan bahwa biaya total produksi adalah 4,337,800 perbulan, yang terdiri dari biaya tetap 28,800 Rupiah dan biaya variabel sebesar 4,050,000 Rupiah. Pendapatan usaha adalah sebesar 7,560,000 dengan keuntungan sebesar 3,222,200 Rupiah perbulan. Nilai efisiensi R/C rasio adalah 1,74, yang artinya usaha Halwa Cakes terhitung efisien dan menguntungkan meski di masa pandem Covid-19. Efisiensi tersebut disebabkan oleh perencanaan bisnis dan produksi yang baik, lokasi usaha yang strategis dan metode pemasaran produk yang tepat. Hasil dari penelitian ini diharapkan bermanfaat bagi pelaku UMKM dan pihak terkait sebagai bagian dari strategi untuk bertahan di masa Pandemi Covid-19. 
MILLENIAL GENERATION SHOPPING BEHAVIOR IN BUYING IMPORTED HALAL LABELED FOOD PRODUCTS IN INDONESIA Chalid, Fitria Idham; Mirzal, Husnul
An-Nisbah: Jurnal Ekonomi Syariah Vol 10 No 1 (2023): An Nisbah
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v10i1.7427

Abstract

Abstrak: Penelitian ini bertujuan untuk menganalisis perilaku belanja generasi Milenial terhadap pembelian makanan impor berlabel halal. Penelitian ini menjadi penting mengingat maraknya produk multinasional yang mulai mendominasi pasar Indonesia, khususnya produk makanan halal. Metode yang digunakan adalah pendekatan kuantitatif dengan data primer dan sekunder. Teknik pengumpulan data yang digunakan adalah purposive sampling, sedangkan teknik analisis data yang digunakan adalah Structural Equation Modeling-Partial Least Square (SEM-PLS). Variabel yang digunakan dalam penelitian ini adalah citra merek, kesadaran halal, harga, niat beli, dan perilaku pembelian. Hasil penelitian menunjukkan bahwa citra merek berpengaruh terhadap perilaku pembelian, citra berpengaruh terhadap niat beli, kesadaran halal berpengaruh terhadap niat beli, harga berpengaruh terhadap perilaku beli, dan harga berpengaruh terhadap niat beli, sedangkan penelitian niat beli tidak berpengaruh terhadap perilaku beli. Hasil penelitian ini menunjukkan bahwa kesadaran halal, harga dan citra dapat mempengaruhi perilaku konsumen milenial dalam membeli produk penting berlabel halal. Selain itu, hasil ini akan memberikan kontribusi kepada pemerintah sebagai pembuat kebijakan untuk membatasi impor produk luar negeri yang masuk ke Indonesia, yang tentunya akan membuat produk dalam negeri kalah bersaing dengan produk impor. Kata kunci: Generasi Milenial; Makanan Impor Berlabel Halal; SEM-PLS. Abstract: This study aims to analyze the shopping behavior of the Millennial generation towards purchases imported food labeled halal. This research is important due to the increasment of multinational product which start to dominating Indonesian market, especially halal food products. The method used is quantitative approach with primary and secondary data. Purposive sampling is utilized for data collecting, and structural equation modeling-partial least squares is employed for data processing (SEM-PLS). Brand image, halal awareness, pricing, purchase intention, and purchasing behavior are the variables used in this study. The findings revealed that brand image affects purchase intention, image affects purchase behavior, halal knowledge affects purchase intention, pricing affects both buying behavior and purchase intention, and study on purchase intention has little impact on actual purchasing. The result of this study indicate that halal awareness, price and image can influence millennial customers behavior of buying important products labeled halal. In addition, this result will contribute to the government as the policy maker to limit imports of foreign products Entering Indonesia, which of course will make domestic products less competitive with imported products Keywords: Milennial Generation; Imported Food Labelled Halal; SEM-PLS.
Determinant of Non-Performing Financing in Indonesian Islamic Commercial Banks in time of Covid-19 Pandemic Fitria Idham Chalid; Firsty Izzata Bella
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 13, No 2 (2021)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v13i2.9072

Abstract

This study intended to determine the influence of internal and external factors of Islamic banks on the Non-Performing Financing (NPF) ratio during the global financial crisis effect Covid-19. This research by utilizing quarterly data on the panel data method with 11 Islamic Commercial Banks (IBs) in the 2019Q1-2020Q4 period sourced from financial report of each bank and the Central Statistics Agency (BPS). The results indicate that all independent variables, namely the Financing to Deposit Ratio (FDR), Bank Size, and Economic Growth have a significant negative effect on NPF, except for the Capital Adequacy Ratio (CAR). This can be inferred that the credit restructuring policy enacted by the Indonesian government has been effectively decreasing the ratio of NPF in banks, especially for IBs in Indonesia during the pandemic of Covid-19
KONSEP ETIKA DALAM KEGIATAN DISTRIBUSI MENURUT PERSPEKTIF EKONOMI ISLAM Dery Ariswanto; Siti Zubaidah; Fitria Idham Chalid; Nurhisna
Jurnal Media Akademik (JMA) Vol. 3 No. 1 (2025): JURNAL MEDIA AKADEMIK Edisi Januari
Publisher : PT. Media Akademik Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62281/v3i1.1460

Abstract

Tujuan dari artikel ini adalah mengkaji bagaimana konsep etika dalam kegiatan distribusi berdasarkan perspektif agama Islam. Distribusi adalah salah satu elemen penting untuk mewujudkan kesejahteraan masyarakat. Dampak yang dihasilkan dari kegiatan distribusi pendapatan tidak hanya terletak pada persoalan ekonomi semata, akan tetapi juga meliputi perihal sosial-politik. Islam menempatkan keadilan sosial sebagai tujuan utama dalam aktivitas ekonomi, dengan mekanisme berbasis moral dan etika sebagai alat untuk mencapainya, terutama dalam hal distribusi. Konsep dan teori ekonomi Islam akan dapat mengantarkan umat Islam kepada falah, yaitu sukses di dunia dan akhirat. Hasil penelitian menunjukkan bahwa distribusi dalam Islam memiliki karakteristik yang unik, di mana keadilan, kesejahteraan, dan pemerataan menjadi tujuan utama. Mekanisme distribusi seperti zakat, infak, sedekah, dan waris dirancang untuk mengurangi kesenjangan sosial dan memastikan setiap individu mendapatkan haknya. Peran etika dalam distribusi sangat penting dalam Islam, karena nilai-nilai seperti kejujuran, transparansi, dan tanggung jawab sosial menjadi landasan dalam setiap transaksi ekonomi. Studi ini menyimpulkan bahwa penerapan etika dalam distribusi dapat memberikan kontribusi signifikan dalam menciptakan masyarakat yang lebih adil dan sejahtera.
Komparasi Ketimpangan Distribusi Pendapatan Dalam Perspektif Ekonomi Konvensional Dan Ekonomi Islam Chalid, Fitria Idham; Zubaidah, Siti
Musyarakah: Journal of Sharia Economic (MJSE) Vol 5, No 1 (2025): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v5i1.11829

Abstract

Income distribution plays an important role in the economy in both conventional and Islamic economics. In conventional economics, income distribution often focuses on market efficiency, but this can lead to inequality and social disparities. In contrast, Islamic economics emphasizes the principles of justice, respect for the Shari'a, and equitable distribution of wealth, using instruments such as zakat, infaq, and waqf to reduce inequality and achieve social welfare. This study uses a literature review method, this study identifies the challenges faced in implementing both income distribution systems. The main challenges in conventional economics include economic inequality caused by unequal access to education and resources, while in Islamic economics, the challenges lie in the implementation of distribution mechanisms that are not yet optimal. This study concludes that although both face challenges, the Shari'a-based distribution system is more inclusive and oriented towards social welfare, making it a fairer alternative in the long run.
Analisis Tantangan Pelaksanaan Zakat Sebagai Pengurang Penghasilan Kena Pajak: Optimalisasi Sinergi Zakat dan Pajak di Indonesia Siti Zubaidah; Roisatun Kasanah; Fitria Idham Chalid; Nurhisna; Anik Sunariyah; Enni Endriyati; Achmad Budi Susetyo
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i7.8750

Abstract

Law Number 36 of 2008 concerning Income Tax and also Law Number 23 of 2011 concerning Zakat Management which states that zakat can be a deduction from Taxable Income (PKP). However, in terms of implementation, it has not been optimal. The purpose of this study is to analyze the challenges in the implementation of zakat as a deduction from PKP and the optimization of the synergy of zakat and tax in Indonesia. This study uses a qualitative descriptive research approach with the library research method. The results of this study state that the challenges that make it less than optimal include low public understanding, minimal information obtained and not all people pay zakat at BAZ or LAZ due to lack of trust in the institution. Therefore, optimization of the synergy of zakat and tax must be carried out by conducting socialization to both the Directorate General of Taxes and also BAZ or LAZ, increasing the credibility of BAZ and LAZ, and exploring the potential of zakat with a direct tax deduction policy (tax credit). This study provides implications for each stakeholder to synergize in socializing zakat as a deduction from PKP.
Studi Sytematic Review: Faktor Yang Mempengaruhi Food Waste Global Dalam Perspektif Hifzhul Bi'ah Romadhan, Raid Azhar; Fitria Idham Chalid; Rosiatun Khasanah
Musyarakah: Journal of Sharia Economic (MJSE) Vol 5, No 2 (2025): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v5i2.12570

Abstract

This systematic review study analyzes the factors influencing food waste in various countries from the perspective of Hifzhul Bi'ah. The problem of food waste is a significant challenge because it impacts global food availability. From an Islamic ethical perspective, this phenomenon contradicts the principles of Hifzhul Bi'ah (Environmental Jurisprudence), which aims to realize the public good and prevent damage (israf) on earth. This study used a Systematic Review method based on PRISMA guidelines, reviewing 15 articles published between 2020–2025, predominantly from Indonesia. Most studies applied the Theory of Planned Behavior (TPB) and Structural Equation Modeling (SEM PLS) methodology. Key factors that consistently influence food waste are Attitude, Subjective Norms, and Behavioral Control, as well as additional factors relevant to the moral aspects of Hifzhul Bi'ah, such as Religiosity and Environmental Awareness. The findings indicate that food waste is a multifactorial phenomenon, involving internal psychological/moral and external social/economic dimensions. A holistic and contextual mitigation strategy is needed, which explicitly integrates the sharia guidance of Hifzhul Bi'ah, to encourage sustainable anti-waste behavior and support the achievement of the SDGs
Co-Authors Achmad Budi Susetyo Ahmad Munawar Anik Sunariyah Bella, Firsty Izzata Dery Ariswanto Enni Endriyati Firsty Izzata Bella Firsty Izzata Bella Futaqi, Faruq Ahmad Husnul Mirzal Intan Qurratulaini Kasanah, Roisatun Nurhisna Raid Azhar Romadhan Rosiatun Khasanah Rusgianto, Sulistya Siti Zubaidah Siti Zubaidah Zahara, Jihan Nabila