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All Journal MATRIK: JURNAL MANAJEMEN, STRATEGI BISNIS, DAN KEWIRAUSAHAAN Jurnal Pendidikan dan Pengajaran Ekonomi Bisnis SOROT: Jurnal Ilmu-ilmu Sosial JEJAK ASAS : Jurnal Hukum Ekonomi Syariah Tadris: Jurnal keguruan dan Ilmu Tarbiyah Al-'Adalah Islamic Ecomonics Journal I-ECONOMICS: A Research Journal on Islamic Economics DERIVATIF Jurnal Manajemen Pendidikan Jurnal Akuntansi dan Pajak Jurnal Ilmiah Ekonomi Islam Jurnal Perspektif Ekonomi Darussalam Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Economica: Jurnal Ekonomi Islam Akuntabel : Jurnal Ekonomi dan Keuangan Journal of Economic, Bussines and Accounting (COSTING) Pendas : Jurnah Ilmiah Pendidikan Dasar Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Edukasi Islami: Jurnal Pendidikan Islam Islamic Management: Jurnal Manajemen Pendidikan Islam Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Tabarru': Islamic Banking and Finance Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam JPGMI (Jurnal Pendidikan Guru Madrasah Ibtidaiyah Al-Multazam) International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Ilmiah Edunomika (JIE) Tasharruf: Journal Economics and Business of Islam Revenue: Jurnal Manajemen Bisnis Islam Management Studies and Entrepreneurship Journal (MSEJ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah An Naba Jurnal Pemikiran dan Penelitian Pendidikan Islam RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL BASKARA: Journal of Business and Entrepreneurship Jurnal Signaling EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Ihtiyath : Jurnal Manajemen Keuangan Syariah Mabsya : Jurnal Manajemen Bisnis Syariah Community Empowerment SABURAI INTERNASIONAL JOURNAL OF SOCIAL, SCIENCES, AND DEVELOPMENT (Saburai-IJSSD) Ekopem: Jurnal Ekonomi Pembangunan Jurnal Abdimas Bina Bangsa Journal of Islamic Business and Economic Review (JIBER) FAJAR Jurnal Pendidikan Islam Salam (Islamic Economics Journal) International Research of Economic and Management Education Mabsya: Jurnal Manajemen Bisnis Syariah Journal of Advanced Sciences and Mathematics Education BUSINESS AND ENTERPREUNERSHIP JOURNAL Al-Istinbath: Jurnal Hukum Islam Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Revenue : Jurnal Ekonomi Pembangunan dan Ekonomi Islam Journal of Islamic Economics Lariba Manageable Kartika: Jurnal Studi Keislaman Bukhori: Kajian Ekonomi dan Keuangan Islam Jurnal Al-Wasith : Jurnal Studi Hukum Islam Business and Enterpreneurship Journal (BEJ) Neraca Manajemen, Akuntansi, dan Ekonomi Jurnal Media Akademik (JMA) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Iltizam : Jurnal Ekonomi dan Keuangan Islam JURNAL RUMPUN MANAJEMEN DAN EKONOMI Talent: Journal of Economics and Business Jurnal Intelek Dan Cendikiawan Nusantara Journal of Social Science and Multidisciplinary Analysis Kajian Ekonomi dan Akuntansi Terapan Al-Fadilah: Islamic Economics Journal Journal of Ekonomics, Finance, and Management Studies Jurnal Penelitian dan Pengabdian Masyarakat Jurnal Signaling BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Balance: Jurnal Ekonomi Al-Infaq : Jurnal Ekonomi Islam Dirham: Journal of Sharia Finance and Economics Matrik: Jurnal Manajemen, Strategi Bisnis, Dan Kewirausahaan
Heni Noviarita
Universitas Islam Negeri Raden Intan Lampung
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Public Health Social Sciences Other

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Governance and Development Sharia Micro Wakaf Bank Towards Medium Small Micro Enterprises Setiyadi, Amin; Noviarita, Heni
Dirham: Journal of Sharia Finance and Economics Vol. 2 No. 1 (2026): January
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/josfe.v2i1.3933

Abstract

Purpose: This study examines the governance and distribution of Islamic micro waqf banks to micro, small, and medium enterprises (MSMEs) in Indonesia. Research Methodology: This study used a qualitative approach with secondary data, including a literature review. The literature sources were gathered from journals, books, and relevant Internet sources related to the governance and development of Islamic micro waqf banks. Results: This study concludes that the governance of micro waqf banks includes management functions such as planning, organizing, leadership, and supervision, while ensuring that operations follow Sharia principles. Islamic micro waqf banks are predominantly distributed in Java, with East Java, Central Java, and West Java having the highest concentrations, followed by Yogyakarta and Banten. Conclusions: Islamic micro-waqf banks’ governance is crucial for their operational success, with management practices aligned with Sharia principles. The distribution of these banks is most prominent in Java, contributing to MSME empowerment in the region. Limitations: This research is limited by the availability of relevant literature and in-depth analysis of the topic. The study also highlights that Islamic micro waqf banks are still a relatively new concept, with limited establishment across the country and limited funding. Contributions: The researchers hope that this study provides valuable information and insights for students, academics, managers of Islamic micro waqf banks, and society.
Tourism Transition and Green Economy: Inspire or Prevent People's Income in The Covid-19 Shock? Normasyhuri, Khavid; Noviarita, Heni; Kurniawan, Muhammad; Nurmalia, Gustika
MATRIK: JURNAL MANAJEMEN, STRATEGI BISNIS, DAN KEWIRAUSAHAAN Vol. 17 No. 2 (2023)
Publisher : Faculty of Economics and Business Udayana University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/MATRIK:JMBK.2023.v17.i02.p03

Abstract

The COVID-19 pandemic, which resulted in the destruction of all existing regulatory systems, faced many obstacles, especially in the field of tourism, including tourism villages. The Green Economy concept is expected to be a way out and a bridge between people's income growth, social justice and environmental friendliness. This research was conducted with the aim of analyzing the green economy transition in tourism, especially tourist villages, whether it is able to provide inspiration or actually prevent an increase in people's income in conditions of the COVID-19 shock. This study develops a model to see the relationship between green economy and people's income. Quantitative in this study used SmartPLS 3.0 in analyzing data obtained from 600 respondents through the observation stage and a list of questions given. The research was carried out in tourist villages in West Java and Lampung Provinces carried out in the context of COVID-19. This study found thatthe transition of a tourist village with the concept of green economy has a strong influence in increasing the income of rural tourism communities in conditions of the COVID-19 shock. This is because, tourist villages with the concept of green economy are able to create a special attraction for tourists the design of a tourist village is carried out in accordance with the surrounding natural conditions and the habits of life of the people so that the tourist village is eyed by many foreign tourists as well as local tourists and when tourists come, of course there will be an economic turnover in the village and implications for the local community economically, socio-culturally and the surrounding environment.
MENGHADAPI REALITAS: APAKAH PERTUMBUHAN PENDUDUK MENJADI KATALISATOR ATAU ANCAMAN BAGI PEMBANGUNAN EKONOMI YANG BERKELANJUTAN DI NEGARA BERKEMBANG? Ananda Nayla Rahma Esafitri; Wahiddin Choiri Kurniawan; Heni Noviarita
Iltizam : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 1 (2025): Iltizam : Jurnal Ekonomi dan Keuangan Islam
Publisher : Fakultas Syariah dan Ekonomi Islam Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/iltizam.v3i1.7055

Abstract

Population growth in developing countries is an inevitable reality that continues to rise over time. This phenomenon presents both challenges and opportunities in planning for sustainable economic development. On one hand, an increasing population can drive economic growth by expanding markets and providing a labor force that supports productivity and innovation. On the other hand, rapid population growth may place significant pressure on natural resources, infrastructure, and public services. This can hinder economic progress and exacerbate social inequality. This study highlights the importance of strategic policies in managing population growth to ensure it becomes a positive force for inclusive and sustainable development.
Pengaruh Investasi, Tingkat Angkatan Kerja, dan Human Capital Investment Terhadap Pertumbuhan Ekonomi Area Pulau Sumatera Perspektif Ekonomi Islam: Analisis Data Panel Tahun 2015-2023 Apita Sari; Heni Noviarita; Gustika Nurmalia
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 4 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i4.7429

Abstract

This study aims to analyze the influence of Investment Variables, Labor Force Level, and Human Capital Investment on Economic Growth. With this research, it is hoped that many parties will realize the importance of economic growth in a region and the factors that affect it, so that we can increase economic growth in our respective regions to reduce the gap between regions. This study uses a quantitative research method with analysis of panel data obtained from official publications, such as the Central Statistics Agency and related agencies to measure the magnitude of the influence of the above variables or not. The results of this study show that the Investment Variable has a positive and significant effect on the Economic Growth Variable (GDP). The Labor Force Level (TAK) variable does not have a significant effect on the Economic Growth Variable (GDP). The Human Capital Investment (HCI) variable has a positive and significant effect on the Economic Growth Variable (GDP). Then based on the F-Statistic value of 71,209 with a Prob value (f-Statistic) of 0.000 (<0.05), it can be concluded that the Independent Variable (X) has a significant simultaneous (concurrent) effect on the Dependent Variable (Y)
Understanding the Principles of Islamic Banking and the Development of Islamic Banking Icha Afrillia Hidayat; Febyviani Dwimutian Anggraini; Muhammad Ryas Fatiha Kesuma; Heni Noviarita
Al-Fadilah: Islamic Economics Journal Vol. 3 No. 2 (2025): Potential and Innovation in Islamic Economic
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v3i2.87

Abstract

Understanding the basic principles of Islamic banking and the dynamics of its development is crucial, both from a theoretical and practical perspective. These principles, which include the prohibition of riba (usury), gharar (gharar), and maysir (gambling), as well as the application of the principle of profit and loss, play a crucial role in establishing a fair and transparent banking system. Furthermore, Islamic banking in Indonesia has experienced significant growth over the past few decades, despite challenges related to public education, regulation, and public acceptance. This study uses a qualitative approach with descriptive-analytical methods to delve deeper into the core principles of Islamic banking and analyze the sector's development in the Indonesian context. The findings reveal that despite the rapid growth of Islamic banking, challenges remain to be addressed to enhance Islamic financial inclusion, including product issuance, regulatory frameworks, and public awareness. This study contributes to a deeper understanding of Islamic banking principles and provides insights into the future direction of the Islamic banking sector.
Pengaruh Islamic Social Finance (ZISWAF), Third-Party Funds (DPK), dan Financing to Deposit Ratio (FDR) Terhadap Net Profit Margin (NPM) sebagai Indikator Efisiensi Bank Umum Syariah di Indonesia dalam Perspektif Islam Periode 2015-2024 Sri Winarsih; Heni Noviarita; Is Susanto
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i2.10889

Abstract

Penelitian ini menganalisis pengaruh Islamic Social Finance (ZISWAF), Dana Pihak Ketiga (DPK), dan Financing to Deposit Ratio (FDR) terhadap Net Profit Margin (NPM) sebagai indikator efisiensi Bank Umum Syariah di Indonesia dalam perspektif islam periode 2015–2024. Tujuan penelitian adalah menilai pengaruh parsial dan simultan ketiga variabel tersebut terhadap NPM. Metode yang digunakan adalah regresi data panel dengan model yang terpilih yaitu Random Effect Model (REM) pada sampel lima Bank Umum Syariah menggunakan data sekunder laporan keuangan 2015–2024. Hasil menunjukkan bahwa secara simultan ZISWAF, DPK, dan FDR berpengaruh signifikan terhadap NPM. Secara parsial, ZISWAF berpengaruh positif dan signifikan terhadap NPM, DPK berpengaruh negatif dan tidak signifikan, sedangkan FDR berpengaruh negatif dan signifikan. Temuan mengindikasikan pentingnya pengelolaan dana sosial (ZISWAF) yang produktif dan pengendalian FDR secara prudensial untuk memperbaiki efisiensi dan peningkatan DPK tidak otomatis meningkatkan margin jika tidak diiringi pengelolaan yang produktif. 
THE CONTRIBUTION OF ZAKAT, INFAQ, AND SADAQAH (ZIS) DIGITALIZATION BY BAZNAS BANDAR LAMPUNG CITY IN ADVANCING THE SUSTAINABLE DEVELOPMENT GOALS (SDGS) Hadi Yanto; Heni Noviarita; Erike Anggraeni
Journal of Economic, Bussines and Accounting (COSTING) Vol. 9 No. 2 (2026): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/wrtf8p11

Abstract

This study analyzes the role of digitalization in the management of Zakat, Infaq, and Shadaqah (ZIS) by BAZNAS Bandar Lampung City in supporting the Sustainable Development Goals (SDGs), particularly SDG 1 (poverty eradication). The research employs a qualitative descriptive method, with data collected through in-depth interviews with ZIS beneficiaries (mustahik), triangulation with BAZNAS officials, direct observation, and document analysis including annual reports and infographics. Findings reveal that digitalization has enhanced the efficiency, transparency, and accountability of zakat fund collection through digital platforms such as QRIS, bank transfers, and the SIMBA application for internal reporting. However, digital services for mustahik especially in proposal submissions, impact tracking, and distribution monitoring remain underdeveloped. ZIS programs have contributed positively to poverty alleviation, particularly through consumptive assistance and education-based scholarships. Evaluation using the National Zakat Index (IZN) 2.0 indicates that governance and collection aspects are effective, while areas concerning impact and technological utilization require further improvement. Overall, digitalization has played a significant role in aligning ZIS management with SDG targets. Nonetheless, optimizing digital access for mustahik and strengthening empowerment-based programs are crucial steps to maximize the impact of zakat distribution in advancing sustainable development at the local level
Co-Authors Abdul Rohman Abdulloh Majid Ade Eko Setiawan Adiwijaya, Adam Mulya Agus Dwiyanto Agustina, Kurnia Ahmad Dairobbi Ahmad Fahrozi Ahmad Fauzan Ahmad Habibi Ahmad Nur Huda Ahmad Sadam Ahmad, Roslee Bin Akbar Pratama Kartika Akbar, Estelee Elora Alfa Rizki Saputra Alfarizi, Fakhri Danii Ali Abdul Wakhid Alief Rakhman Setyanto, Alief Rakhman Amalliya Nurjannah Amanatun Nisfah Nurun Nikmah Amin Setiyadi Amirudin Amirudin Ana Mega Selviani Ana Musta’anah Ananda Hidayat Ananda Nayla Rahma Esafitri Angel Dwi Satria Angraeni, Erike Anisa Binar Cahyani Anita Anita Anjani, Putri Selviana Annisa Munfaati Anriyani, Yuyun Anwar Hidayat Apita Sari Apriani, Rahma Aprilia, Khaeran Aprinai, Tiara Ari Kurniyawati Ariansyah, Angga Ariza Karina Putri Arman Syahyudi Asmaria, Asmaria Audra Laili Aulia Rachman, Muhammad Aziz Hanif Mahfud Azizah, Nur Hasanah Baehaqi Bagus Dwi Cahyo Bayo Hadomuan Tanjung Beni Antomi Beny Sangjaya Beza Marsanda Aprilia Bilqis Putri Azhari. Hs Buono, Kulup Bina Chandra Prayoga Chelsea Mawar Az-Zahra Darlia Diah Ayu Permata Diah Sagita Fitri Dian Ekawati Dika Anggraini Puspita Dinar, Ashari Seribu Dino Fernandi Diogsha, Hr Ditta Nurhidayanti Dwi Cahyono, Bagus Dwi Nurhayati Dwi Nurhayati Dwi Taufiq Aziz Dwitami, Yuska Supra Ellen Praditha Elsa Rani Shadewi Elzaanin, Amina A.A Erike Anggraeni Erike Anggraini Erike Anggraini Erike Anggraini Erike Anggraini Erike Anggraini Erike Anggraini Eva Dwiana Evi Ekawati Fachry Abda El Rahman Fahmi Muhammad Irfan Fakhri Danii Alfarizi Fautau, Idzam Fauzan Dwi Kusuma Febrianti, Regita Putri Febyviani Dwimutian Anggraini Firli Fachrezi Yansyah Fisman Bedi Fitri Angguan Fitri Yanti Gustika Nurmalia Gustika Nurmalia Hadi Yanto Halimah, Ulfa Nur Hanif , Hanif Hanif Hanif Hanifuan Maharani Margiyanata Hanin Anggraini Hasan Muhamad Hasanah, Surlidiya Nur Hasani Ahmad Said Icha Afrillia Hidayat Imam Agung Wijaya Indahsari, Leny Is Susanto Jamal Fakhri Jamel, Surono Bin Jayusman Jayusman Jihan Fiqriyani Joko Purwanto Jum Anggriani Kayla Ratu Natia Khasanah, Arini Khavid Normasyhuri Kholiq, Mu’amalatul Kholiq, Mu’amalatul Kholis, Alwiyan Nur Koderi Krismadayanti Krismadayanti Krismadayanti Krismadayanti Krismadayanti, Krismadayanti Kurnia Agustina Kurnia Agustina Laili, Audra Leni Leny Indahsari Leny Indahsari Leny Indahsari Lestari, Nelly Lutfia Salsabila Bani M Avicenna Meuthi M Nasor M. Hibatulloh Al Habib M. Nainin, Dasrizal M. Zidan Dairoby Ricardo Maimun Mairiza, Khania Taris Marendra Marendra Mareta, Adhe Pertiwi Maya Puspita Sari Mayzal, Tiondon Melga Sari, Diny Merisa Oktapianti Moh Bahruddin Moh. Bahruddin Mohd Syahril Ahmad Razimi Muhamad Hasan Muhamad Iqbal Muhammad Iqbal Muhammad Iqbal Fasa Muhammad Kurniawan Muhammad Kurniawan Muhammad Kurniawan Muhammad Noval Muhammad Ryas Fatiha Kesuma Muhammad Saifudin Muhammad Syahid Muhammad Syahid Muhammad Zaki Mutiara Ramadhani Nafisah, Annisa Zauhar Nassa, Martha Haessun Nelly Lestari Nikmatul Mukaromah Nita Dinanti Normasyhuri, Khavid Nova Adella Novia Turmina Umi Novriyanto, Abib Nur Wahyu Ningsih Nurlaili Octavia, Sonia Oktapianti, Merisa Pasha, Putri Aisha Praditha, Ellen Pramesti, Desta Wulandari Pratiwi, Dwi Indah Puja Damaskha Rulita Sari Pundarika, Ratriana Putri Aisha Pasha Putri Melisa Putri Selviana Anjani Putri, Putri Amalia Rahayu Utami, Dwi Rahma Apriani Rahma, Fuji Alia Rahmat Fajar Rahmat Fajar Rahmat Gus Faozan Rahmat Ramadon Raihan Adam Zoya Rangga Ananta Rani Wulandari Ranita Pranika Ratriana Pundarika Raudhoh Musyifah Ria Atika Ridwansyah Ridwansyah Rini Setiawati Rini Setiawati Rita Dewi Rivaldo, Andrean David Romlah Romlah Ruslan Abdul Ghofur Samratulani Samsul Bahri, Galuh Ramadhan Saputri, Yuli Dahlia Sari NurkhasanahSari Nurkhasanah Sari, Elsa SARI, MAYA PUSPITA SARI, YESSI AVITA Sefta Kurniawansyah Sefti Lediya Devi Seftiana Wulandari Setia Nisa Setiawan, Ade Eko Setiyadi, Amin Setyorini, Tri Shilfarihah Hasanah Sinta Tri Utami Siti Khanifah, Siti Siti Maisaroh Siti Nurohmah Siti Patimah Siti Rohamah Sonia Octavia Sri Winarsih Sulasi Imaniah Surono Bin Jamel Surono Surono Surono Surono Syahyudi, Arman Syamsul Hilal Syara Dwi Afiana Tiondol Mayzal Tri Amar Prasetyo Tri Setyorini Tri Wahyu Nopriyanto Triamalia, Riska Tulus Suryanto Umi, Novia Turmina Wahid, Arfian Nur Wahiddin Choiri Kurniawan Wati, Beliya wati, Eliya Wati, Silvi Kesuma Weny Rosilawati Widi, Muhammad Naufal Widiastuti, Eka Wijaya, Imam Agung Winda Anggraini Wiwin Yustina Wullandari, Marcellia Yessi Avita Sari Yuli Astuti Yuli Astuti Yuli Dahlia Saputri Yulistia Devi Zaharah, Rita Zein Adi Abung