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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah Jurnal Ilmiah Ekonomi Islam At-Tawassuth: Jurnal Ekonomi Islam Jurnal Tabarru': Islamic Banking and Finance Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Review of Islamic Economics and Finance Al-Mashrof: Islamic Banking and Finance An-Nisbah : Jurnal Perbankan Syariah El-Ecosy : Jurnal Ekonomi dan Keuangan Islam JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Jurnal Ekonomika dan Manajemen Journal of Trends Economics and Accounting Research Jurnal Indonesia Sosial Sains PERMANA : Jurnal Perpajakan, Manajemen, dan Akuntansi Bukhori: Kajian Ekonomi dan Keuangan Islam GLORY Jurnal Ekonomi dan Ilmu Sosial Jurnal Bisnis dan Manajemen (JURBISMAN) Jurnal Ilmiah Multidisiplin Ilmu Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Riset Ekonomi dan Manajemen Perbankan Journal of Islamic Digital Economic and Finance (JIDEF)
Ahmad Hazas Syarif
Universitas Islam Negeri Raden Intan Lampung
Religion Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Environmental Science Immunology & microbiology Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Neuroscience Physics Social Sciences Other

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Peran Perguruan Tinggi Keagamaan Islam Negeri dalam Pengembangan BUMDES Menuju Kemandirian Desa di Provinsi Lampung Ahmad Hazas Syarif; Ahmad Habibi
Jurnal Ilmiah Ekonomi Islam Vol 8, No 1 (2022): JIEI : Vol. 8, No. 1, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i1.4261

Abstract

Higher education plays an essential function and role in the development of Human Resources (HR), this is what makes Indonesians look forward to higher education institutions, especially Islamic colleges, to build skilled and self-sufficient generations. The State Islamic Universities in Lampung is divided into two different institutions, Raden Intan State Islamic University Lampung (UIN RIL) and Metro State Islamic Institute (IAIN Metro) Lampung. Education occupies a strategic position in economic development when high-quality human resources are viewed as the determining factor in successful development. Likewise, most economists agree that human resources are the most decisive factor in character and National development speeds and Economy. This research is a qualitative study, with an entire population of Bumdes in the Lampung province of 1,988 and the identification of samples to 95 BUMDes. The results of this study found that out of 475 BUMDes administrators, there were still a few who had a undergraduate education background (S1), and they are not from state Islamic religious universities, because the contribution of alumni from UIN Raden Intan Lampung and IAIN Jurai Siwo remain limited in the business or partners of the various provinces of Lampung province. Keywords: State Islamic Religious Universities, BUMDes, Independent Villages.
ECONOMIC PROTECTION TOWARD FINANCIAL MANAGEMENT HAJJ FUNDS: INDONESIAN CASE Muhammad Iqbal Fasa; Adib Fachri; Ghina Ulfah Saefurrohman; Ahmad Hazas Syarif; Suharto Suharto
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 4, No 02 (2020): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (275.016 KB) | DOI: 10.30868/ad.v4i02.953

Abstract

The potential for Haj funds in Indonesia is enormous. However, the long queues to perform the Haj pilgrimage lasted up to 17 years. The state has not wholly-owned facilities for operational needs. This study offers a new model in the management of Hajj funds in Indonesia. The offer in this research is the formation of economic independence protection by developing business units such as accommodation facilities in Mecca and Medina, Hajj planes, tours and trips, catering, hajj and umrah equipment stores, convenience stores, Indonesian culinary specialties, convection, e-payment systems. Hajj, Bottled Drinking Water, Sukuk Investment, and Other Investments. All of the profits from these funds are turned back for capital and business unit development. Thus, all the benefits of the hajj fund will again be felt by the people of Indonesia.
Implementasi Akad Murabahah Bil Wakalah Pada Pembiayaan Otomotif Dalam Perspektif Ekonomi Islam Denisa Arwanita; Desi Rahma Wati; Elma Mutia; Erniza Aprianingsih; Ahmad Hazas Syarif
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. VII | No. 1 | 2022
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/ajei.v7i1.10722

Abstract

Akad Murabahah Bil Wakalah adalah akad yang paling dominan digunakan oleh produk pembiayaan otomotif, hal ini dikarenakan penerapan akad tersebut lebih memudahkan pihak bank sekaligus nasabah dalam melakukan jual beli. Penelitian ini menggunakan kajian kualitatif dengan kajian pustaka, kajian ini bersifat deskriptif analitik dimana pengumpulan data dilakukan dengan cara telaah pustaka. Adapun tujuan dari penelitian ini adalah untuk mengetahui bagaimana implementasi akad murabahah bil wakalah pada pembiayaan otomotif dalam perspektif ekonomi islam di Bank Syariah Indonesia. Hasil penelitian ini secara teori akad Murabahah Bil Wakalah yang diterapkan oleh Bank Syariah Indonesia dapat dikatakan sesuai prinsip syariah karena akad murabahah dilakukan setelah barang otomotif yang dibutuhkan nasabah telah menjadi milik Bank.
The Effect of Islamic Work Ethic and Productivity on Work Quality Through The Employee Performance Ahmad Hazas Syarif; Afida Rahmawati; Muhammad Iqbal Fasa
Review of Islamic Economics and Finance (RIEF) Vol 2, No 2 (2019): Review of Islamic Economics and Finance (RIEF) December 2019
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (218.431 KB) | DOI: 10.17509/rief.v2i1.22375

Abstract

The Islamic work ethic and productivity are parts of the work concept that raise the value of forming a good personality in work based on the principle in Islam. The research investigated 40 employees as research samples through quantitative methods: questionnaire (questionnaire), documentation, and observation. The used analysis included validity test, reliability test, statistical collinearity test, partial test, and determination test (R2). The tool in analyzing the data was pathway analysis with the Smart Pls 3.0 program. The results found that the Islamic Work Ethic has a positive washback on Employee Performance, Work Quality, and Productivity. Employee Performance has a positive washback on employee performance with a positive and significant effect on work quality. Productivity does not significantly influence employee performance, and it also does not significantly influence work quality.
Analisis Populasi Penduduk, Tingkat Pengangguran Terbuka Dan Inflasi Daerah Terhadap Ketimpangan Pendapatan Daerah Dalam Perspektif Ekonomi Islam Periode 2018-2023 (Studi Pada Provinsi Sesumatera) Nora Diana; Ahmad Hazas Syarif; Nurhayati
Jurnal Bisnis dan Manajemen (JURBISMAN) Vol. 2 No. 3 (2024): Jurnal Bisnis dan Manajemen (JURBISMAN)
Publisher : Penerbit dan Percetakan CV. Picmotiv

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

Abstract

Ketimpangan pendapatan di Pulau Sumatera mempunyai perbedaan yang mencolok antara penduduk kaya dan penduduk miskin. Elit kaya, seringkali terkonsentrasi di perkotaan, menikmati standar hidup yang tinggi, sementara sebagian besar masyarakat miskin, yang sebagian besar tinggal di daerah pedesaan, berjuang untuk memenuhi kebutuhan hidup. Penyebab ketimpangan pendapatan di Sumatera mempunyai banyak aspek, termasuk distribusi sumber daya alam yang tidak merata, kurangnya akses terhadap pendidikan dan layanan kesehatan, serta peluang ekonomi yang tidak memadai. Penelitian ini bertujuan menganalisis populasi penduduk, tingkat pengangguran terbuka dan inflasi daerah terhadap ketimpangan pendapatan daerah pada provinsi sesumatera selama periode 2018-2023ditinjau dalam perspektif ekonomi Islam. Penelitian ini menggunakan jenis penelitian kuantitatif yang bersifat asosiatif. Jenis data yang digunakan dalam penelitian ini yaitu data sekunder dalam bentuk panel. Teknik pengambilan sampel yang digunakan yaitu sampling jenuh. Analisis yang digunakan yaitu analisis regresi data panel dengan menggunakan Eviews 10 sebagai alat bantu analisis. Hasil dari penelitian menunjukkan bahwa variabel populasi penduduk berpegaruh positif dan signifikan terhadap ketimpangan pendapatan daerah dengan nilai koefisien sebesar 0.041876. Variabel tingkat pengangguran terbuka berpengaruh positif dan tidak signifikan dengan nilai koefisien sebesar 0.007385. Sedangkan inflasi daerah berpengaruh positif dan tidak signifikan dengan nilai koefisien sebesar 0.006426. Secara bersama-sama antara variabel independent dan dependent pada penelitian ini menunjukkan hasil yang tidak berpengaruh signifikan. Hasil penelitian ini menujukkan bahwa ketimpangan pendapatan daerah mampu dijelaskan oleh populasi penduduk, tingkat pengangguran terbuka dan inflasi sebesar 6%.
Financial Management Practices of Mosques in Indonesia: Is Self-Control Important for Moderation? Ahmad Habibi; Ahmad Hazas Syarif; Khavid Normasyhuri; Gustika Nurmalia
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 15, No 2 (2023)
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v15i2.34865

Abstract

Abstract. This study aims to optimize the allocation of financial resources for religious institutions in Indonesia, focusing on Lampung Province context. The quantitative methods with Smart PLS fi.0 examine the relationship between financial knowledge, financial attitudes, and the influence of self-control on financial management. This aims to determine whether self-control can improve or hinder financial management. 500 respondents were selected randomly. Those who are involved as administrators of religious organizations in mosques in Lampung. Data was collected using a Google form and using a Likert Scale. Research findings show a positive relationship between financial knowledge, financial attitudes, and financial management. Self-control can improve the relationship between financial knowledge and financial attitudes towards the financial management of religious institutions. Furthermore, self-control can improve the relationship between financial knowledge and financial attitudes in the financial administration of religious institutions. Abstrak. Penelitian ini bertujuan untuk mengoptimalkan alokasi sumber daya keuangan bagi lembaga keagamaan di Indonesia, dengan fokus pada konteks Provinsi Lampung. Metode kuantitatif dengan Smart PLS fi.0 digunakan untuk menguji hubungan pengetahuan keuangan, sikap keuangan, dan pengaruh pengendalian diri terhadap pengelolaan keuangan. Hal ini bertujuan untuk mengetahui apakah pengendalian diri dapat meningkatkan atau menghambat pengelolaan keuangan. 500 responden dipilih secara acak. Responden adalah orang yang terlibat sebagai pengurus organisasi keagamaan di masjid-masjid di Lampung. Data dikumpulkan dengan menggunakan Google form dan menggunakan Skala Likert. Temuan penelitian menunjukkan adanya hubungan positif antara pengetahuan keuangan,sikap keuangan, dan pengelolaan keuangan. Pengendalian diri dapat meningkatkan hubungan antara pengetahuan keuangan dan sikap keuangan terhadap pengelolaan keuangan lembaga keagamaan. Selanjutnya pengendalian diri dapat meningkatkan hubungan antara pengetahuan keuangan dan sikap keuangan dalam pengelolaan keuangan lembaga keagamaan.
Determinants of Financial Performance on Islamic Banks in ASEAN for Period 2019-2023 Shelda, Shelda; Fuadi, Fatih; Syarif, Ahmad Hazas
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 17, No 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v17i1.19606

Abstract

Islamic banks in ASEAN have a strategic role in supporting regional economic stability, but they also face various challenges in managing risks that can affect their financial performance. This study aims to analyze the determinants of the financial performance of Islamic banks in ASEAN, especially the influence of financing risk, liquidity risk, and capital adequacy on Return on Assets (ROA) as an indicator of financial performance. This study uses a purposive sampling method with a sample of five Islamic banks in ASEAN, namely Bank Muamalat Indonesia, Bank Islam Brunei Darussalam, Amanah Islamic Bank Philippines, Bank Islam Malaysia Berhad, and Bank Islamic Thailand, using annual data for the 2019-2023 period. The analysis was carried out with a panel data regression model using the EViews 10 program. The independent variables in this study include financing risk (NPF), liquidity risk (FDR), and capital adequacy (CAR). The results showed that partially, FDR had a significant negative influence on ROA with a value of Sig. 0.04 < 0.05, while NPF showed a positive significant influence with a value of Sig. 0.00 < 0.05. In contrast, CAR had no significant effect on ROA with a value of Sig. 0.5651 > 0.05. Simultaneously, FDR, NPF and CAR have a significant effect on the ROA of Islamic Banks in ASEAN for the 2019-2023 period.Keywords: Liquidity Risk (FDR), Financing Risk (NPF), Capital Adequacy (CAR), Financial Performance, Islamic Banks, ASEAN.
Determinants of Financial Performance on Islamic Banks in ASEAN for Period 2019-2023 Shelda, Shelda; Fuadi, Fatih; Syarif, Ahmad Hazas
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 17, No 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v17i1.19606

Abstract

Islamic banks in ASEAN have a strategic role in supporting regional economic stability, but they also face various challenges in managing risks that can affect their financial performance. This study aims to analyze the determinants of the financial performance of Islamic banks in ASEAN, especially the influence of financing risk, liquidity risk, and capital adequacy on Return on Assets (ROA) as an indicator of financial performance. This study uses a purposive sampling method with a sample of five Islamic banks in ASEAN, namely Bank Muamalat Indonesia, Bank Islam Brunei Darussalam, Amanah Islamic Bank Philippines, Bank Islam Malaysia Berhad, and Bank Islamic Thailand, using annual data for the 2019-2023 period. The analysis was carried out with a panel data regression model using the EViews 10 program. The independent variables in this study include financing risk (NPF), liquidity risk (FDR), and capital adequacy (CAR). The results showed that partially, FDR had a significant negative influence on ROA with a value of Sig. 0.04 < 0.05, while NPF showed a positive significant influence with a value of Sig. 0.00 < 0.05. In contrast, CAR had no significant effect on ROA with a value of Sig. 0.5651 > 0.05. Simultaneously, FDR, NPF and CAR have a significant effect on the ROA of Islamic Banks in ASEAN for the 2019-2023 period.Keywords: Liquidity Risk (FDR), Financing Risk (NPF), Capital Adequacy (CAR), Financial Performance, Islamic Banks, ASEAN.
Analisis Perceived Enjoyment Dan Perceived Ease Of Use Untuk Pembayaran Digital Menggunakan Layanan Gopay Pada Masyarakat di Bandar Lampung Sivia Nurma Ayu; Fatih Fuadi; Ahmad Hazas Syarif
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 2: Januari 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i2.7475

Abstract

This study examines the influence of perceived enjoyment and perceived ease of use on the adoption of GoPay digital payment services in Bandar Lampung, Indonesia. Using a qualitative case study approach, the research involved 20 active GoPay users from diverse demographic backgrounds, with data collected through in-depth interviews, participant observation, and focus group discussions. The findings reveal that perceived enjoyment significantly influences GoPay adoption, with an average score of 4.65 out of 5, indicating users' highly positive experiences with the service. Similarly, perceived ease of use demonstrates a substantial impact, achieving an average score of 4.77, reflecting the platform's user-friendly interface and efficient transaction process. The study identifies a strong positive correlation (r=0.893) between these two factors, contributing to an impressive 89% adoption rate among Bandar Lampung residents. The research also highlights GoPay's success in creating an effective digital payment ecosystem, evidenced by a 92% user satisfaction rate and average transaction times under 10 seconds. Furthermore, the study shows that GoPay's reward system and intuitive interface have successfully fostered user engagement and loyalty. These findings contribute to the understanding of digital payment adoption in medium-sized Indonesian cities and provide valuable insights for financial technology service providers and policymakers in developing inclusive digital payment ecosystems.
Accountability of Governance and Sustainable Development Goals (SDGs) on Economic Growth in Village Fund Management According to the Perspective of Islamic Economics Kharisma Nurul Fadhilah; Tulus Suryanto; Ahmad Hazas Syarif
Jurnal Indonesia Sosial Sains Vol. 6 No. 4 (2025): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jiss.v6i4.1665

Abstract

The purpose of this research is to investigate responsibility in the management of village funds from an Islamic viewpoint., covering the phases of preparation and execution, administrative record-keeping, and answerability reporting. This analysis aims to utilizes a qualitative descriptive approach approach using a case study method conducted in Sinar Rejeki Village, Jati Agung District, South Lampung Regency. The results suggest that the duty of overseeing village financial resources in Sinar Rejeki Village aligns with the regulations According to the Regulation of the Minister of Home Affairs No. 114 of 2014 and adheres to applicable Sharia principles. Therefore, based on egulation No 113 of 2014 from the Minister of Home Affairs, the Management of village funds planning in Sinar Rejeki Village is considered transparent and promotes active community participation.
Co-Authors Adib Fachri Afida Rahmawati Ahmad Habibi Alief Rakhman Setyanto Alief Rakhman Setyanto Anas Malik Ani Retno sulistiowati Any Eliza Asriani Aye Sudarto Ayu Nursiah Bela Nopita Sari Denisa Arwanita Desi Rahma Wati Diah Mukminatul Hasyimi Dian Raudatul Firdausi Dina Yovita Ria Dinda Fali Rifan Diva Ananda Dinanti Eka Desy Susanti Elma Mutia Erniza Aprianingsih Evi Ekawati Evi Ekawati Farhan Zulfahmi Fatih Fuadi Femei Purnamasari, Femei Fuadi, Fatih Ghina Ulfah Saefurrohman Gustika Nurmalia Haryadi Haryadi Hasyimi, Diah Mukminatul Hotman Inggar Sari, Nila Karexa Selvia Yundari Kharisma Nurul Fadhilah Khavid Normasyhuri Kurnia Maulida Kurniawan, Dwi Agus Laras dwi Mulyani Maulida, Kurnia Moh Bahrudin Muhammad Afnie Adam Muhammad Iqbal Fasa Nora Diana Nur Alhidayah Nurhayati R Rohimah Sumiyati Rakhman Setyanto, Alief Riani, Diska Rianti Rahma Riska Yulianti, Riska Royhan Agung Kurnia Shelda, Shelda Sivia Nurma Ayu Sivia Nurma Ayu Sri Deti Suharto Tulus Suryanto Untung Nopriansyah Viona Retno Oktaviani Weny Rosilawati