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All Journal SINDA: Comprehensive Journal of Islamic Social Studies Jurnal At-Tamwil: Kajian Ekonomi Syariah
Hidayati, Atina
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Religion Economics, Econometrics & Finance Education Environmental Science Social Sciences

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Sharia-Based Human Capital Development: A Literature Review on Character Building For Islamic Banking Competitiveness Ashari, Denny Rakhmad Widi; Hidayati, Atina; Al Haris, Mohammad Basid; Pambudi, Setyoadi; Waskita, Gautama Sastra
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 7 No. 2 (2025): Jurnal At-Tamwil September 2025
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v7i2.8010

Abstract

Purpose – This study aims to examine the integration of Sharia values in human resource character building within Islamic banking institutions. The research highlights the importance of developing Islamic character-based human capital as a strategic foundation for achieving sustainable competitiveness in the Islamic banking industry. The study is motivated by the increasing need to align human resource strategies with Sharia principles to ensure both compliance and differentiation in the financial sector. Methods – The research uses a qualitative approach using a literature review of academic articles, reports, and policy documents published in the last decade. Content analysis was conducted to identify recurring themes, conceptual frameworks, and strategic implications of Sharia-based human capital development. Findings – The study reveals that Islamic character building, rooted in Sharia values such as Shiddiq, Amanah, Tabligh, and Fathanah, has a significant contribution to the development of trustworthy, competent, and value-driven employees. These values foster customer trust, strengthen organizational culture, and enhance the competitive advantage of Islamic banks. However, challenges remain in terms of practical implementation, organizational commitment, and balancing technical competencies with ethical-spiritual development. Research Limitations – As a literature-based study, the findings are conceptual and may not fully capture empirical variations across different Islamic banking institutions. Future research should include case studies or empirical validation to test the applicability of the proposed framework in diverse contexts. Value – This study contributes to the field of Applied Islamic Finance by providing a conceptual framework that links Sharia-based human capital development with sustainable competitiveness in Islamic banking. It highlights the strategic role of Islamic character building as a differentiating factor that cannot be easily replicated by conventional banks.
Pandemi Covid 19 dan Investasi; Dampak Pandemi Covid19 Terhadap Harga Saham Syariah di Indonesia Hidayati, Atina
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 4 No. 1 (2022): Jurnal At Tamwil, Maret 2022
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v4i1.2526

Abstract

Pandemi Covid19 telah mengakibatkan beberapa dampak langsung di Indonesia yang menyebabkan penurunan perusahaan di semua sektor, terutama di pasar modal sejak Maret 2020. Dampak utama dari Covid19 adalah penurunan nilai ICI di semua sektor industri. Akan tetapi masih ada sektor yang masih bertahan di masa pandemi, yakni sektor barang konsumsi. Salah satu sektor barang konsumsi dengan kinerja terbaik adalah sektor farmasi (PYFA dan KAEF). Penelitian ini mempunyai tujuan agar dapat menganalisis saham syariah, yang menjadi fokus Perusahaan PYFA dan KAEF selama masa pandemi, apakah kedua saham tersebut dapat bertahan atau tidak dengan menggunakan berbagai pendekatan seperti ekonomi global, dampak kebijakan luar negeri dan dalam negeri, dengan pembatasan aktivitas apapun di Maret 2020 sampai Desember 2021. Metode yang digunakan adalah kualitatif, karena data dikumpulkan oleh Bursa Efek Indonesia dan Yahoo Finance.Hasil penelitian ini menunjukkan bahwa saham PYFA dan KAEF dapat bertahan dan meningkatkan harga saham secara signifikan selama masa pandemi Covid19. Mereka mempengaruhi harga saham perusahaan Islam PYFA dan KAEF.
Cash Waqf Linked Deposito (CWLD): Implementasi Pada Bank Syariah Hidayati, Atina; Inayah, Intan
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 6 No. 1 (2024): Jurnal At Tamwil, Maret 2024
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v6i1.6763

Abstract

Indonesia has enormous waqf potential, one of which is cash waqf. The low level of literacy and socialization about waqf has led to the realization of waqf in Indonesia. According to the Indonesian Waqf Board, the potential of the waqf sector in Indonesia, the realization of cash waqf in 2023 will reach 1.22%. This shows that there is a very large gap between the potential and realization of cash waqf collection so that support and innovation in cash waqf products is needed. The existence of Cash Waqf Linked Deposits (CWLD), which was launched by Bank Jatim Syariah in 2023, provides waqf benefits in the social and educational fields. The benefits provided by CWLD are in the form of scholarships for students at universities and providing business capital to MSMEs. In this CWLD process, Sharia Banks act as Nadzir in collaboration with Sharia Financial Institutions Receiving Cash Waqf (LKSPWU) and customers act as Wakif. CWLD funds deposited to Nadzir have a minimum amount of 1 million rupiah and a minimum duration of 1 year. The returns from this CWLD instrument will later be given to the mauquf alaih, and the original waqf funds will be returned to the wakif or customer.
Persepsi Masyarakat Terhadap Mitos dan Fakta Perbankan Syariah Ashari, Denny Rakhmad Widi; Al Haris, Mohammad Basid; Rifa’i, Akhmad; Hidayati, Atina
SINDA: Comprehensive Journal of Islamic Social Studies Vol 3 No 2 (2023): volume ,3 Nomor 2 Agustus 2023
Publisher : Universitas Nahdlatul Ulama Blitar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28926/sinda.v3i2.1178

Abstract

The diverse perceptions of society regarding Islamic banking, often colored by myths and unexplored viewpoints. The objective of this study is to analyze the public's perceptions of myths and facts surrounding Islamic banking, with a specific focus on Bank Muamalat Branch Tulungagung. The research methodology employed is descriptive qualitative, utilizing in-depth interviews and content analysis. The results reveal that despite prevalent myths, Islamic banking, particularly Bank Muamalat, offers transparent, secure, and cost-competitive services. Furthermore, it is found that Islamic banking is not exclusive to Muslims but accessible to the entire community. These findings contribute positively to understanding the socio-economic dynamics of the community, highlighting the strengths of Islamic banking, and providing a foundation for further research and development in the Islamic banking industry
Co-Authors Al Haris, Mohammad Basid Ashari, Denny Rakhmad Widi Denny Rakhmad Widi Ashari Gautama Sastra Waskita Inayah, Intan Pambudi, Setyoadi Rifa’i, Akhmad