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All Journal Ziswaf : Jurnal Zakat dan Wakaf Talaa : Journal of Islamic Finance
Nizam, Renaldi Sahrul
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Religion Economics, Econometrics & Finance Social Sciences Other

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An Assessment of Zakat Contributions for Productive Purposes to Empower the Mustahik Economy in the Face of the Covid-19 Pandemic Hamidah, Raisa Aribatul; Alam, Azhar; Anggraeni, Arum; Nizam, Renaldi Sahrul
ZISWAF Vol 8, No 2 (2021): ZISWAF: Jurnal Zakat dan Wakaf
Publisher : State Islamic Institute of Kudus (IAIN Kudus)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (242.338 KB) | DOI: 10.21043/ziswaf.v8i2.11242

Abstract

People have lost their jobs as a result of the Covid-19 pandemic, and many people are now living in poverty. Zakat is one of the Islamic pillars concerned with poverty reduction, particularly in the form of productive disbursement. The purpose of this research is to identify and assess the mechanisms and contributions of productive zakat to economic empowerment mustahik during the covid-19 pandemics. Zakat for productive purposes is wealth that enables the recipient to continuously create creativity using zakat funds. This study conducted in-depth interviews with three Zakat institution staff and seven mustahik who live in a low-income society and are economically impacted by covid-19. This study used the descriptive method, with data retrieval in this study using the interview method, followed by data analysis in the form of data reduction, data presentation, and conclusions. According to the findings of this study, there are still a limited number of Human Resources available for mustahik coaching and supervision at LAZISMU Pemalang. This paper discovered that not all mustahik use 100 percent of productive zakat funds to develop the business as hoped, but instead meet basic needs. Mustahik primarily requires more fulfillment with short-term benefits in order to sustain their lives. 
Analysis of the Influence of BOPO, NIM and Inflation on the Profitability of Bank BRI Syariah in 2013-2020 Alam, Azhar; Setyowati, Eni; Wiguna, Aditama Chandra; Nizam, Renaldi Sahrul
Talaa : Journal of Islamic Finance Vol. 2 No. 1: June 2022
Publisher : Department of Sharia Financial Management IAIN Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (683.247 KB) | DOI: 10.54045/talaa.v2i1.505

Abstract

This study analyzes factors affecting BRI Syariah Bank's profitability in Indonesia. This study sampled BRI Syariah Bank's 2013-2020 yearly financial statements that fit the study's requirements. Data for Bopo, Nim, Inflation, and Roa come from the official BRI Syariah bank and Bank Indonesia (BI) websites for 2013 – 2020. This study uses the ROA ratio as a metric of BRI Syariah Bank's profitability and BOPO, NIM, and Inflation as independent variables. This study uses the Ordinary Least Square (OLS) data analysis method to obtain a thorough picture of the relationship between variables using Eviews10 software. According to study, BOPO negatively affects ROA (Return on Assets). Operating Costs and Operating Income (BOPO) are less significant than required. The study shows that BOPO has a detrimental impact on ROA (Return on Assets). NIM and inflation study results had little impact on BRI Syariah Bank's ROA. This study reveals that Islamic banks are resilient to inflation and don't rely on profit margins. This study suggests Islamic banks reduce operating costs to boost profitability.
Co-Authors Anggraeni, Arum Azhar Alam Eni Setyowati Hamidah, Raisa Aribatul Wiguna, Aditama Chandra