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All Journal An-Nisbah: Jurnal Ekonomi Syariah 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) An-Nisbah: Jurnal Ekonomi Syariah Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah
Fitria Idham Chalid
Unknown Affiliation
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Riba-Free Financial Empowerment for Muslim Women: A Path to Sustainable Independence Zahara, Jihan Nabila; Futaqi, Faruq Ahmad; Chalid, Fitria Idham
Journal of Islamic Philanthropy and Disaster (JOIPAD) Vol. 5 No. 2 (2025): June-December 2025
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/joipad.v5i2.12227

Abstract

Introduction: This study analyzes the implementation of BankZiska Ponorogo’s women’s empowerment program through riba-free financing aimed at eliminating riba practices and promoting sustainable economic independence. Research Methods: Using a qualitative explanatory case study, data were collected through interviews, observation, and documentation involving BankZiska’s directors, managers, volunteers, and female beneficiaries. Results: The Al-Qardhul Hasan-based financing provides interest-free, collateral-free capital for women micro-entrepreneurs excluded from formal finance. It improves their income, business stability, and spiritual awareness through mentoring and Islamic financial education, fostering greater confidence and independence. Conclusion: BankZiska’s riba-free model effectively empowers women and promotes inclusive, ethical, and sustainable economic growth. It demonstrates that Islamic social finance can advance financial inclusion, poverty reduction, and gender equality in line with the SDGs.
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
Co-Authors Ahmad Munawar Bella, Firsty Izzata Dery Ariswanto Firsty Izzata Bella Firsty Izzata Bella Futaqi, Faruq Ahmad Husnul Mirzal Intan Qurratulaini Nurhisna Raid Azhar Romadhan Rosiatun Khasanah Siti Zubaidah Siti Zubaidah Sulistya Rusgianto Zahara, Jihan Nabila