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All Journal Jurnal Pendidikan Ekonomi (JUPE) IQTISHODUNA Jurnal Mirai Management Perisai : Islamic Banking and Finance Journal al-Uqud : Journal of Islamic Economics Journal of Economic, Bussines and Accounting (COSTING) Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan YUME : Journal of Management International Journal of Economics, Business and Accounting Research (IJEBAR) J-ADIMAS (Jurnal Pengabdian kepada Masyarakat) IMARA : Jurnal Riset Ekonomi Islam Pekobis : Jurnal Pendidikan, Ekonomi, dan Bisnis Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal EK dan BI El-Qist : Journal of Islamic Economics and Business (JIEB) Asy Syar'iyyah: Jurnal Ilmu Syari'ah dan Perbankan Islam Airlangga International Journal of Islamic Economics and Finance ISTIKHLAF: Jurnal Ekonomi, Perbankan & Manajemen Syariah Jumat Ekonomi: Jurnal Pengabdian Masyarakat International Journal of Engagement and Empowerment (IJE2) juremi: jurnal riset ekonomi Al-Qashdu: Jurnal Ekonomi dan Keuangan Syariah Balance: Journal of Islamic Accounting Al-Muamalat : Jurnal Ekonomi Syariah Jurnal Iqtisaduna El-Qish: Journal of Islamic Economics Economic Reviews Journal Journal of Social And Economics Research Jurnal Penelitian Ekonomi Manajemen dan Bisnis Jurnal Manajemen Dan Bisnis Ekonomi Amal: Jurnal Ekonomi Syariah Indonesian Economic Review Muqaddimah: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Journal of Community Service and Society Empowerment Nusantara Journal of Multidisciplinary Science Neraca Manajemen, Akuntansi, dan Ekonomi Majapahit Journal of Islamic Finance dan Management Jurnal Ekonomi Bisnis Manajemen dan Akuntansi (Jebisma) Iltizamat : Journal Of Economic Sharia Law and Business Studies El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam West Science Islamic Studies Al-Muhasib: Journal of Islamic Accounting and Finance Majapahit Journal of Islamic Finance dan Management Journal of Community Empowerment Kajian Ekonomi dan Akuntansi Terapan An-Nisbah: Jurnal Ekonomi Syariah Jurnal Keadaban: Jurnal Sosial dan Humaniora Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Balance: Journal of Islamic Accounting Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah journal of social and economic research Journal of Ekonomics, Finance, and Management Studies Jurnal Ilmu Multidisiplin Business, Entrepreneurship, and Management Journal Ecoducation Joong-Ki Jurnal Indonesia Mengabdi Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan
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The Relevance of Mosque Financial Inclusion and Economic Sustainability Holle, Mohammad H; Asiyah, Binti Nur; Zumaroh, Zumaroh; Koerniawati, Dwi; Mohamad, Syed Ismail Syed; Pellu, Arifin
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 13 No. 2 (2023): October
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2023.13.2.178-189

Abstract

This study aims to investigate the relevance of mosque-based financial inclusion in promoting sustainable economic development, using case studies from Jogokariyan Mosque in Yogyakarta and Sabilillah Mosque in Malang, Indonesia. Employing a qualitative, policy-oriented case study approach, the research explores how Islamic social finance instruments—particularly zakāh, infāq, and ṣadaqah (ZIS)—are leveraged through mosque-based institutions to deliver accessible, interest-free, and community-centered financial services outside the formal banking sector. The findings demonstrate that mosques can function as effective platforms for grassroots financial inclusion, offering consumptive and productive support via mechanisms such as qarḍ ḥasan, microgrants, and cooperative savings. These practices contribute not only to financial access but also to enhanced social capital and community trust. Theoretically, this research advances the discourse on Islamic economic empowerment by framing mosques as decentralized agents of inclusive financial ecosystems. It introduces a practical model for sustainable Islamic microfinance, grounded in Shariah principles and responsive to socio-economic inequality. This study invites future cross-regional and cross-faith research into mosque-led financial inclusion as an alternative strategy for inclusive growth, especially in underserved or unbanked populations globally.
Prinsip Keadilan Distributif: Analisis Pemenuhan Produk Pembiayaan Murabahah Bil Wakalah Pos Pandemic Covid-19 Asiyah, Binti Nur; Wahyudi, Amin; Ruchmana, Ayu; Safitri, Silvi Ayu; Mustikaningsih, Emilia
KEADABAN: Jurnal Sosial dan Humaniora Vol 3, No 2 (2022)
Publisher : Fakultas Sosial dan Humaniora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/adab.v3i2.3615

Abstract

Pembiayaan murabahah bil wakalah menjadi pilihan baik bagi bank syariah maupun bagi nasabah, terutama di masa pos pandemic covid 19. Karakteristik pembiayaan murabahah bil wakalah yang memiliki kemudahan menjadikan nuansa keadilan kurang maksimal diterapkan. Margin pada pembiayaan murabahah merupakan reward atas kerja keras yang dilakukan oleh bank syariah dengan prinsip jualbelinya. Namun demikian pada saat prinsip wakalah, maka sejatinya reward itu menjadi hak keduabelah pihak antara bank syariah dengan nasabah meski dengan porsi yang berbeda dalam distribusinya. Paper ini bertujuan untuk menganalisis pemenuhan prinsip keadilan distributif pada pembiayaan murabahah bil wakalah. Paper ini dianalisis dengan pendekatan kualitatif dan jenis penelitian studi literature. Hasil Penelitian menunjukkan bahwa dalam upaya pemenuhan keadilan distributif pada produk pembiayaan murabahah bil wakalah, penetapan ujroh atas transaksi wakalah yang diberikan bank syariah kepada nasabah dan kewajiban pembayaran margin dari nasabah kepada bank syariah atas transaksi murabahah atas barang yang disepakati. Mengingat pada produk pembiayaan bil wakalah ada partisipasi nasabah untuk mencari barang yang hendak dibeli. Implikasi praktis dalam paper ini menerapkan bank syariah  pada ruh bisnis dan keadilan distributif antara bank syariah dan nasabah, meningkatkan trust nasabah pada pos pandemic covid 19, menjadi strategi intermediasi bank syariah atas kebutuhan barang untuk keperluan konsumtif maupun produktif.
PENGARUH KUALITAS PORTOFOLIO PEMBIAYAAN TERHADAP PROFITABILITAS BANK MEGA SYARIAH Asiyah, Binti Nur
An-Nisbah: Jurnal Ekonomi Syariah Vol 3 No 2 (2017): An-Nisbah
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2017.3.2.231-254

Abstract

This research is motivated by the phenomenon of  Islamic financial institutionsthat have the goal of  profitability by emphasizing the quality of  the financingportfolio with emphasis on the prudence and avoid risk. Reality shows that themajority of  Islamic banks provide financing predominantly on the financingthat is certainty that the financing murabaha contract. Categories murabahafinancing provides better certainty of  payment and principal payments receivableagreed margin. The approach in this study using a quantitative approach to thetype of  associative research. Data analysis was performed using data normality test, test classic assumptions. Further analysis using multiple regression test, test hypotheses, and test the coefficient of  determination. The results showedthat 1) The quality of  current assets provide a significant and positive effecton α 5% on profitability 2) The quality of  productive assets in a particularconcern and significant negative effect on α 5% to profitability 3. The qualityof  earning assets less current effect negative but not significant at the 5% toprofitability α 4) quality of  productive assets undoubtedly have a positive effectbut not significant at α 5% to profitability 5) the quality of  earning assetsjammed a negative effect but not significant at α 5% to profitability.Penelitian ini dilatarbelakangi oleh fenomena lembaga keuangan syariah yangmemiliki tujuan profitabilitas dengan menekankan pada kualitas portofoliopembiayaan dengan menekankan pada aspek kehati-hatian dan menghindaririsiko yang dihadapi. Realitas menunjukkan bahwa mayoritas Perbankansyariah memberikan pembiayaan secara dominan pada pembiayaan yang bersifat certainty contract yakni pada pembiayaan murabahah. Kategori pembiayaan murabahah memberikan kepastian pembayaran baik pembayaranpokok piutang maupun margin yang telah disepakati. Pendekatan dalampenelitian ini menggunakan pendekatan kuantitatif  dengan jenis penelitianasosiatif. Analisis data dilakukan dengan menggunakan uji normalitas data,uji asumsi klasik. Selanjutnya dilakukan analisis dengan menggunakanuji regresi berganda, uji hipotesa, serta uji koefisien determinasi. Hasilpenelitian tersebut menunjukkan bahwa 1) Kualitas aktiva produktif  lancarmemberikan pengaruh positif  dan signifikan pada α 5% terhadap profitabilitas2) Kualitas aktiva produktif  dalam Perhatian khusus memberikan pengaruhnegatif  dan signifikan pada α 5% terhadap profitabilitas 3. Kualitas aktivaproduktif  kurang lancar memberikan pengaruh negatif  namun tidaksignifikan pada α 5% terhadap profitabilitas 4) Kualitas aktiva produktif diragukan memberikan pengaruh positif  namun tidak signifikan pada α5%  terhadap profitabilitas 5) Kualitas aktiva produktif  macet memberikanpengaruh negatif  namun tidak signifikan pada α 5%  terhadap profitabilitas.
Analisis Equivalent Rate Perbankan Syariah Pada Masa Pandemi (Studi Pada Bank BNI Syariah) Asiyah, Binti Nur; Islamiah, Cahyani; Ningrum, Christina Ika
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2022)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v8i2.3453

Abstract

This study aims to analyze the mechanism in applying the distribution of profit sharing of third-party funds collected using the equivalent rate. The research uses a case study approach and type. To obtain data, researchers used data on the annual and quarterly financial statements of BNI Syariah Bank in 2020, 2019, and 2018 and literature studies in the form of books and research articles. The study results of the Islamic banks' efforts to increase customer interest, one of which is by using profit sharing ratio information in the form of an equivalent level. The strategy of Bank BNI Syariah to present an equivalent level in its Quarterly Financial Statements is the right step to increase customer interest in placing their funds in BNI Syariah banks. Furthermore, this research shows that the Equivalent rate at BNI Syariah Bank in 2020 in its quarterly report tends to decrease in the pandemic era in line with the national and global economic slowdown.
Manajemen Risiko Kepatuhan Syariah Serta Implementasinya pada Bank Syariah Indonesia (BSI) Faizatul, Zelyn; Faizal, Muhazzab Alief; Asiyah, Binti Nur; Subagyo, Rohmad
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 2 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i2.660

Abstract

The background of this research is the potential of Islamic banking in Indonesia which is followed by very good developments. However, this research wants to look deeply into the implementation of sharia compliance by sharia banking, especially Indonesian Sharia Banks. Based on this, the research objectives include knowing the application of sharia, in this case, BSI compliance in making sharia principles a guideline for banking operations and management. As well as BSI's efforts to realize sharia compliance through sharia compliance management which is separate from other management. The research was carried out using a qualitative method with a literature study, where the literacy used was books, research journals that are appropriate to the topic of discussion, as well as the annual financial reports of Bank Syariah Indonesia. The results of the study found that the individual and integrated BSI risk profile until 2022 shows that BSI risk can be managed properly to support future business development. In other words, BSI has implemented risk management appropriately and adequately. Keywords: Sharia Banking; Sharia Compliance; Indonesian Sharia Bank
THEMATIC ANALYSIS OF SHARIA STOCK PORTFOLIO DIVERSIFICATION AND FINANCIAL RATIOS: A CONCEPTUAL STUDY BASED ON THE INDONESIAN SHARIA STOCK INDEX (ISSI) Samsul Huda; Mohammad Anis Sumadi; Ashlihah; Binti Nur Asiyah; Muhammad Aswad
BEMJ: Business, Entrepreneurship, and Management Journal Vol. 4 No. 2 (2025)
Publisher : Universitas Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36563/bemj.v4i2.1953

Abstract

Indonesia’s sharia capital market, represented by the Indonesian Sharia Stock Index (ISSI), has shown rapid growth; however, sharia stock portfolio diversification practices and the use of financial ratios for profit optimization have not yet been applied systematically by investors. This study aims to thematically analyze various sharia stock portfolio diversification strategies and to explain the role of financial ratios in shaping an optimal portfolio based on issuers included in the ISSI. The method employed is a qualitative approach with a conceptual study design, using content analysis and thematic coding of secondary data sources, including journal articles, Islamic investment management books, Financial Services Authority (OJK) regulations, DSN MUI fatwas relevant to the sharia capital market, and official reports and documents related to the ISSI. The analysis identifies several main themes: diversification strategies based on sector and market capitalization, cross-instrument diversification within sharia assets, and strengthened risk management through stock selection grounded in profitability, leverage, liquidity, and valuation ratios. These findings indicate that integrating portfolio diversification strategies with the appropriate use of financial ratios has the potential to enhance returns on sharia stock portfolios while keeping risk within acceptable limits, thereby offering a conceptual contribution to the development of ISSI based sharia investment strategies.
Strategi Pesantren Melalui Pemasaran Islami Dalam Mewujudkan Kemandirian Ekonomi Pesantren yang Berkelanjutan Alfaisah, Syaifudin; Nurohman, Dede; Aibak, Kutbuddin; Asiyah, Binti Nur
AMAL: Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Desember
Publisher : UIN AM. Sangadji Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/eksy.v7i2.12766

Abstract

Penelitian ini bertujuan untuk mengkaji secara mendalam strategi pemberdayaan santripreneur melalui penerapan pendekatan pemasaran Islami sebagai upaya mewujudkan kemandirian ekonomi pesantren yang berkelanjutan. Pesantren dipahami tidak hanya berfungsi sebagai lembaga pendidikan dan dakwah, tetapi juga memiliki potensi besar dalam pengembangan ekonomiberbasis santri. Penelitian ini menggunakan metode kualitatif dengan desain studi multisitus yang dilaksanakan di Pondok Pesantren Fathul Ulum Kwagean Kediri dan Fathul Ulum Diwek Jombang. Data dikumpulkan melalui wawancara mendalam, observasi lapangan, dan studi dokumentasi, kemudian dianalisis menggunakan model interaktif Miles dan Huberman. Temuan penelitian mengungkapkan bahwa strategi pemberdayaan santripreneur dilaksanakan melalui tiga tahapan utama, yaitu: (1) peningkatan kapasitas santri melalui pelatihan kewirausahaan berbasis nilai-nilai Islam, (2) penerapan prinsip-prinsip pemasaran Islami dalam aspek produksi, distribusi, dan promosi, serta (3) pengembangan kelembagaan ekonomi pesantren yang mandiri dan berkelanjutan. Implementasi strategi tersebut terbukti mampu memperkuat kemandirian ekonomi pesantren, melahirkan santri yang religius, inovatif, dan kompetitif, serta berpotensi menjadi model percontohan pengembangan ekonomi syariah di lingkungan pesantren Indonesia. 
WELFARE IN ISLAMIC PERSPECTIVE: A REVIEW OF ISLAMIC PRODUCTIVITY AND MICROECONOMICS Ahmada, Muhamad Agus Alfiyan Nur; Kawedar, Gayuh; Banna, Ahmad Fatan Al; Syamsiyah, Siti Itsna; Asiyah, Binti Nur; Mashudi, Mashudi
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 6 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/nk7pnc76

Abstract

This study aims to analyze the influence of economic productivity, Islamic consumption, and Islamic production on welfare in Indonesia in 2023. Social inequality and unequal distribution of welfare remain fundamental issues, raising profound questions about the continued increase in economic growth that has not been fully absorbed by the lower levels of society. This study uses quantitative methods from secondary data obtained from the Central Statistics Agency (BPS), National Zakat Agency (BAZNAS), and halal.kemenperin.go.id. This study sample covers 34 provinces out of a population of 38 provinces in Indonesia in the 2023 period, due to limited data availability. Multiple linear regression was used for data analysis, while SPSS version 25 was utilized for data processing. The results of this study indicate that, simultaneously, economic productivity, Islamic consumption, and Islamic production have a positive and significant effect on welfare. Partially, economic productivity has a positive but insignificant effect on welfare. Then, partially, Islamic consumption has a negative but insignificant effect on welfare. And partially, Islamic production has a positive and significant effect on welfare. This finding confirms that prosperity in Islamic economics is not only determined by economic growth alone, but also by the blessings of balanced and fair productive and consumption activities.
Co-Authors Abidah, Asiska Nur Adlan, Muhamad Aqim Agung Budiman Agus Eko Sujianto Agus Eko Sujianto Ahmad Budiman, Ahmad Ahmad Fauzi Asshidqi Ahmad Muhtadi Ahmada, Muhamad Agus Alfiyan Nur Ahsan, Muhamad Aidiawati, Ria Aini, Indah Nur Akhyak Akhyak Al Satria, Muhammad Idris Alfaisah, Syaifudin Alif Ageng Utami Alifah, Rifa Nur Alvera Zahvania Putri Alvina Dwi Nur Dyanti Amanda Putri Dwi Utami Amelia, Evita Amelia, Evita Amin Wahyudi Amriyah, Yassirly Angel Adilla Ani’fa Dewanti Putri Anggita Della Lestari Anjarwati, Ribut Peni Arlinta Prasetian Dewi, Arlinta Prasetian Ashlihah Asyarie, Adimas Agus Ayunda, Sindy Sephya Dwi Azhari, Khairunisa Diva Azis, Ishan Azizah Shodiqoh Azizah Shodiqoh Rafidah Azizah, Saila Bachtiar, Jusuf Balqis Shofa Nabilah Banna, Ahmad Fatan Al Bhakti, Rezsa Lingga Binzar Wimpi Nugraha Cahyani Islamiah Cahyaning Puteri, Suci Cahyaningtyas, Ajeng Rizqina Cevira Putri Nabila Chamidi, Achmad Luthfi Chamidi Dede Nurohman Dede Nurohman Defa Irfantara Pramudya Dewangga Wibiantoro, Awang Dimas Prasetyo Putra Diva Wahyu Tias Saputri Dyah Wulandari Elok Faiqoh Erma Laelatul Zahroq F, Fransiska Faizal, Muhazzab Alief Faizatul, Zelyn Febrianto, M. Nanang Finka Aurel Liyani Firas Alyon Saputra Gazani, Hawa Hania Nuril Aida Rochmah Happy Novasila Maharani Hardiansah, Hardiansah Hasna Aulia Rahmawati Herlina Wati Hidayat, Iqbal Alwi Hikmah, Sayyidah Ulil Hilda Nor Fani Holle, Moh. H. Holle, Mohammad Hanafi Innes Puspita Maharani Intan Qurratulaini Irtifa Umi Azizah Islamiah, Cahyani Ismawati, Fadila Nur Isnawati, Adinda Putri Yesa Jamaludin, Husna Binti Jamilah, Isnawati Jatmiko, Dadang Heru Johan Dwi Sutikno Karanelan, Magfirah Karimah, Zulfah Jannatul Kawedar, Gayuh Kharismatul Ulfiah Khofifah, Laini Kinanti, Karunia Kirana, Silva Puspita Candra Koerniawati, Dwi Kusumaningrum, Budiani Kutbuddin Aibak Laili, Lyliya Nurul Laili, Nizar Adi Lantip Susilowati Launiya, Khiyaratul Lella Juniva Sari Lestari, Lisa Yuni Lisa Yuni Lestari Lorenza Putri, Amanda Ika Luknawati, Erra Fitri M. Ridlwan Nasir Mahardika, Rama Prasetya Malawat, Fadli Fendi Marsheila, Clarisa Devi Mashudi Mashudi , Mashudi Mashudi Mashudi Mashudi Mei Anjarwati, Chasa Puput Tri Mey Susanti Mohamad Ilham Dede Wijaya Mohamad, Syed Ismail Syed Mohammad Anis Sumadi Mohammad Fadhilah Hamzah Mohammad H. Holle Mohammad Ilham Maulana Muchammad Ilham Syarifudin Muhammad Anis, Muhammad Muhammad Aswad Muhammad Raffi Wahidin Muhammad Syahrul Hidayat Muhammad Vaiz Inda Fajar Muhammad Yoga Aditia Mustikaningsih, Emilia Nadia Lailatul Hanifah Nadia Rakhil Azizah Nadila Desviana Mahardini Nanda Nur Romadhon Nasiroh, Fifin Nasiroh, Fifin Natory, Dimas Asyif Nelly Himmatus Sa’diyah Neni Utami neni utami Ngizatul Milah Khoirun Nisa Ni'mah, Jamilatun Nila Khoirun Na’ili Ningrum, Christina Ika Nuroniyyah, Fathiyyatun NURUL HIDAYAH Oktaviansah, Mohamad Rizqi Pangestu, Nana Pellu, Arifin Pranata, Dedy Pratama, Yoga Ari Pratiwi, Putri Hadiyanti Pratiwi, Yanuar Mila Pricilia Putri Salsabila Putri Shinta Dewi Putri, Pinasti Azalia Qomarul Huda, Qomarul Revalinda Clauzhy Anggraini Rida Zahrotul Mufidah Rifa Nur Alifah Rifqi Rama Dhani Riska Imsa’ul Febiantoro Ritma Lutviandari Rizkyaningrum, Adinda Agustinayu Rohmah, Hafiza Zaidatur Rohmah, Siti Lailatur Rokhmat Subagiyo Rokhmat Subagiyo, Rokhmat Ruchmana, Ayu Safitri, Silvi Ayu Samsul Huda Samsul Huda Septiana , Ayuk Setia Rini Sheilla Ayu Amandasari Shenia Erika Maharani Sherly Ulvia Saputri Sistyamurti, Febintha Slamet Budi Hariyanto Subagyo, Rohmad Subagyo, Rohmat Subagyo, Rokhmat Sujianto , Agus Eko Sukma Aulia Dewi Surya, Yoga Adi Sutikno, Johan Dwi Syahriza Azizan Sayid Syamsiyah, Siti Itsna Tarisa Adelia Chusna Ulil Albab Utami, Neni Vina Maratus Salsabila wati, Herlina Wiji Astutik Wulandari, Ulfa Dwy Ayu Yuliani, Nur Azrin Yuliani, Nur Azrin Yuniawati, Amanda Laily Yunita Dwi Nur Aini Zumaroh Zumaroh, Zumaroh