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All Journal Jurnal Ekonomi Tazkia Islamic Finance and Business Review al-Uqud : Journal of Islamic Economics Journal of Islamic Economic Laws Jurnal Kajian Peradaban Islam Ulumuna: Jurnal Studi Keislaman International Journal of Zakat (IJAZ) Jurnal Manajemen Universitas Bung Hatta Review of Islamic Economics and Finance Jurnal Kajian Peradaban Islam Equilibrium: Jurnal Ekonomi Syariah Journal of Islamic Economic Laws
Mumuh Muhammad
Universitas Pendidikan Indonesia
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Factors Affecting Islamic Bank Financial Performance Muhammad, Mumuh; Sarı, Emre Selçuk; Umarovich, Kholdorov Sardor; Takidah, Erika; Pertiwi, Risa Sari
Review of Islamic Economics and Finance Vol 7, No 2 (2024): Review of Islamic Economics and Finance (RIEF): November 2024
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/rief.v7i2.75396

Abstract

Purpose – This study aims to investigate the factors affecting financial performance in Islamic banks.Methodology - The quantitative approach is applied in this study with panel data analysis as analysis tool. This study measures the performance of Islamic Banks (IBs) in Türkiye and Indonesia. In total, there are 5 and 11 Islamic banks in Türkiye and Indonesia respectively used in this study, resulting 109 samples to analyze. Findings - The results show that bank size, capital ratio, operating expense ratio and inflation are found to be significant on Return on Avergae Assets (ROAA) positively. However, bank age and loan ratio do not have significant effect on ROAA. It is important to evaluate these factors to improve financial performance of Islamic bank in both countries as big Muslim population.
Zakat Digitalization: Effectiveness of Zakat Management During Covid-19 Pandemic Ninglasari, Sri Yayu; Muhammad, Mumuh
Journal of Islamic Economic Laws Vol 4, No 1: January 2021
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v4i1.12442

Abstract

This study aims to analyze the role of digitalization in zakat management during the Covid-19 pandemic. Furthermore, it also aims to analyze the strengths, weaknesses, opportunities, and threats of zakat digitization in Indonesia. The method used in this research is a qualitative method with a literature study and a SWOT analysis approach. Literature shows that using digital platforms to collect, manage, and distribute zakat is very useful, especially during the Covid-19 pandemic, because it provides much convenience for its users. However, digital platforms have weaknesses and threats both for zakat institutions and for muzaki and mustahik. To overcome these threats and weaknesses, zakat institutions can make various strategies by utilizing existing strengths and opportunities. This strategy is made so that the collection and distribution of zakat funds can be appropriately optimized and have a tremendous impact on the community’s welfare, especially for the poor who are affected by Covid-19.
Intention to Use Islamic Fintech among MSMEs: Knowledge of Sharia Prohibition Approach Jatnika, Muhammad Dzulfaqori; Friantoro, Dian; Muhammad, Mumuh; Iskandar, Iskandar; Alikhan, Liya Ur Rahman Liyakath
JURNAL MANAJEMEN UNIVERSITAS BUNG HATTA Vol 19 No 1 (2024): Jurnal Manajemen Universitas Bung Hatta
Publisher : Management Department, Faculty of Economics and Business, Universitas Bung Hatta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37301/jmubh.v19i1.24443

Abstract

The purpose of this study is to investigate the influential factors on behavioral intentions toward Islamic fintech use among Micro, Small and Medium Enterprises in Indonesia. The author adds a new research model about intention to use in the form of Technology Acceptance Model, Knowledge of Sharia Prohibition, Word of Mouth and Trust which has not been used in other studies. This research utilized a quantitative approach, an online survey was distributed to 350 MSMEs owners. The data collected from the participants were subjected to Structural Equations Modeling-Partial Least Squares (SEM-PLS) analysis, enabling a thorough examination of the variables under investigation. The results show that the variable of word of mouth and perceived ease of use have positive and significant impact on perceived usefulness. In addition, the variable of trust and perceived usefulness influence attitude significantly. This study also indicates that attitude affects intention to use Islamic fintech significantly. Then, the Attitude mediates the relationship between perceived usefulness and trust and Intention to use Islamic fintech. The findings of this study will be useful for policy makers and managers of Islamic fintech companies because it can help them find out the factors that drive intention to use Islamic fintech services.
Evaluating the Impact of Economic Programs on the Transformation of Mustahik into Muzaki: A Case Study of the National Zakat Agency (BAZNAS) Mumuh Muhammad; Rida Rosida; Firmansyah; Rifka Aulia
Tazkia Islamic Finance and Business Review Vol. 19 No. 2 (2025): TIFBR
Publisher : Faculty of Islamic Business and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v19i2.452

Abstract

Poverty constitutes a multidimensional challenge faced by numerous countries, including Indonesia. It not only affects the economic conditions of society but also exerts a profound impact on overall quality of life and national development, encompassing socio-political dynamics, education, and healthcare services. The poverty cycle can only be disrupted through a holistic intervention strategy, which extends beyond financial approaches and incorporates integrated support mechanisms, including active participation from various stakeholders. This study aims to evaluate the role of the National Zakat Agency (Badan Amil Zakat Nasional/BAZNAS) in transforming the status of mustahik (zakat recipients) into muzaki (zakat payers) through its implemented economic empowerment programs. A descriptive method with a quantitative approach was employed to assess the impact of these programs on the transformation process from mustahik to muzaki. The findings indicate a significant correlation between BAZNAS’ economic programs and the transformation of mustahik into muzaki. Therefore, it is imperative for BAZNAS to strengthen the governance of its economic programs and ensure continuous mentoring for mustahik, so that this positive relationship can be sustained and deliver more optimal, long-term benefits
Co-Authors Aas Nurasiyah Alikhan, Liya Ur Rahman Liyakath Aneu Cakhyaneu Dian Friantoro Erika Takidah Firmansyah Hardiansyah, Kiki Iskandar Iskandar Jatnika, Muhammad Dzulfaqori Juliana Juliana Juliana Juliana Kurniaputri, Mega Rachma Mahri, A Jajang. W Muhammad Faiz Andeaz Fawwaz Muhammad Jihan Muhammad Ubaidillah Al Mustofa Oroji, Ahmad Muhammad Pertiwi, Risa Sari Ram Al Jaffri Saad Rida Rosida Ridan Muhtadi Rifka Aulia Risa Sari Pertiwi Risa Sari Pertiwi Ropi Marlina Rosida, Rida Sarı, Emre Selçuk Shafinar Ismail Sri Herianingrum Sri Yayu Ninglasari Tony Seno Aji Umarovich, Kholdorov Sardor Wulandari, Neni Sri