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All Journal Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Jurnal Ilmiah Ekonomi Islam Amwaluna Jurnal Ekonomi dan Keuangan Syariah Diseminasi : Jurnal Pengabdian kepada Masyarakat
M. Fuad Hadziq
Departement Of Islamic Economics Universitas Terbuka
Economics, Econometrics & Finance Education Social Sciences

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Santri Perception to Islamic Bank: Are there no Differences with Conventional Banks? M. Fuad Hadziq; Yosi Mardoni; Moh. Khoirul Anam
Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Vol 17, No 2: December 2021
Publisher : Fakultas Agama Islam Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/afkaruna.v17i2.12752

Abstract

Several studies show no difference in practice and academics in general between Islamic banks and conventional banks. However, they are both very different. This research analysed the perceptions of santri/students of Islamic boarding schools regarding no differences between Islamic banks and conventional banks. This research was quantitative with an in-depth descriptive analysis. The research sample used a blend of purposive and judgment techniques applied to santri from several large Islamic boarding schools in Banyuwangi. The analytical method used a two-way causative relationship using multiple regression. The research used a structured questionnaire with a Likert scale and in-depth interviews with santri. Santri's view of Islamic banks differed from that of regular banks. Santri strongly believes in Islamic banking, while the majority is not traditional but represents Islamic ideals. Islamic bank workers, nevertheless, have shown Islam's greater identity than standard banks and imply that no disparities in Islamic banks are shown to be stigmatic.
PENGELOLAAN BUMDES CIKAHURIPAN MAJU BERBASIS EKONOMI SYARIAH Yosi Mardoni; M. Fuad Hadziq; Arief Rahman Susila; Suhartono Suhartono
Diseminasi: Jurnal Pengabdian kepada Masyarakat Vol. 3 No. 2 (2021)
Publisher : Pusat Pengabdian kepada Masyarakat- LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33830/diseminasiabdimas.v3i2.1323

Abstract

The rural sector is a sector that must be a major concern. This sector has the opportunity to develop and have a positive impact on the village economy if it is optimized. One of the spearheads of the village in advancing its economy is Village-Owned Enterprises (BUMDes). The existence of BUMDes is expected to be one of the incentives for rural economic growth. The role of the Sharia economy in advancing the rural sector has provided many examples of success. One of the most phenomenal is the grameen bank in Bangladesh. The purpose of this service activity is to revive the rural sector, especially human resources in BUMDEs. The method used is by conducting training and guidance. It is hoped that the guidance training method can strengthen the understanding of BUMDes human resources on the principles of Islamic economics. The application of Islamic economic principles in the implementation of BUMDes is expected to foster positive values which will provide blessings in the BUMDes business. Sektor pedesaan merupakan sektor yang harus menjadi perhatian utama. sektor ini memiliki peluang untuk dapat berkembang dan memberikan dampak positif bagi perekonomian desa apabila mampu dioptimalkan. Salah satu ujung tombak desa dalam memajukan perekonomiannya adalah Badan Usaha Milik Desa (BUMDes). Adanya BUMDes diharapkan menjadi salah satu rangsangan untuk pertumbuhan ekonomi desa. Peran ekonomi Syariah dalam memajukan sektor pedesaan sudah memberikan banyak contoh keberasilan. Salah satunya yang paling fenomenal adalah Grameen bank yang ada di Bangladesh. Tujuan dari kegiatan pengabdian ini adalah untuk membangkitkan sektor pedesaan khususnya sumber daya insani di BUMDEs. Metode yang dilakukan adalah dengan melakukan pelatihan dan bimbingan. Diharapkan dengan metode pelatihan bimbingan dapat memperkuat pemahaman sumber daya insani BUMDes akan prinsip ekonomi Syariah. Penerapan prinsip ekonomi Syariah dalam pelaksanaan BUMDes diharapkan dapat menumbuhkan nilai nilai positif yan akan memberikan keberkahan dalam usaha BUMDes.
REANALYSIS OF SPIN-OFF ISLAMIC BANKS IN INDONESIA: EFFICIENT OR NOT? M Fuad Hadziq; yosi mardoni; syafwendi syafril
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 6, No 2 (2022)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (55.175 KB) | DOI: 10.29313/amwaluna.v6i2.8599

Abstract

The market share of Islamic banks in Indonesia is around 6,3%. Although starting 2008, BI had been a spin-off to enrich the Islamic bank market share, the efficiency did not surmount the big problem from an Islamic bank. This study aims to reanalysis efficiency policy in Indonesia's spin-off in 2011-2019. The research sample is Islamic banking in Indonesia, including BUS (Islamic commercial banks) and UUS (Sharia Business Unit) that was doing spin-off yet. This research used an analysis method of DEA (Data Envelopment Analysis) by using CRS (constant return to scale) and VRS (Variable return to scale models). The variables consisted of input and output, such as liquid assets, total financing, profit-sharing income, operating cost, personnel cost, and fixed assets. The result and findings show that BUS after the spin-off is inefficient. Moreover, several Islamic commercial banks decreased inefficiency in many periods. The spin-off does not affect efficiency, especially in the market share of Islamic banks. UUS was more efficient than BUS. One of the factors because of operational cost. However, the BUS is more inefficient than UUS in producing Islamic financial products and services. Besides that, labor costs cannot cut and always grow every time. Finally, making a load of the company to be weight thus consumer prize more expensive
Implementasi Etika Bisnis Islam Pada Sistem Jual Beli: Studi Kasus Di Pasar Tradisional Septiani Septiani; M Fuad Hadziq
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.9933

Abstract

In countries with a Muslim majority, such as Indonesia, people should use a transaction process that is accordance with sharia principle. However, in fact, there is a lot of fraud, injustice and violations in the buying and selling process in the market. This study analyzes the implementation of Islamic business ethics in the buying and selling system in traditional markets. This research was conducted on a sample of traditional market sellers and buyers. The case study sample is Pasar Minggu, Aji Jaya Village, KNPI Tulang Bawang, Lampung, Indonesia. This study uses a descriptive-qualitative method by collecting data through interviews with traders and buyers in traditional markets. This study produces an explanation which reveals that Islamic business ethics have been applied in the buying and selling process at the Sunday market, such as honesty, fairness, and cleanliness. However, there are still some violations of business ethics, such as fraud and price injustice. Further and measurable efforts are needed to increase the awareness of traders and buyers about Islamic business ethics and address violations for the legitimacy of the buying and selling process.
Co-Authors Ali Djamhuri Arief Rahman Susila Moh. Khoirul Anam Septiani Septiani Syafwendi Syafril Yosi Mardoni