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All Journal Al-Qanun: Jurnal Pemikiran dan Pembaharuan Hukum Islam Jurnal Ternak Tropika Dinar: Jurnal Ekonomi dan Keuangan Islam Al-Mustashfa Jurnal Ilmiah Ekonomi Islam Perisai : Islamic Banking and Finance Journal Al-Daulah : Jurnal Hukum dan Perundangan Islam qolamuna : Jurnal studi islam al-Afkar, Journal For Islamic Studies Jurnal Istiqro' Al-Jinayah: Jurnal Hukum Pidana Islam Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah At-Tawassuth: Jurnal Ekonomi Islam JURNAL PENDIDIKAN TAMBUSAI Islamic Review : Jurnal Riset dan Kajian Keislaman Jurnal Tabarru': Islamic Banking and Finance Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam EKUITAS (Jurnal Ekonomi dan Keuangan) Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Ulumuna: Jurnal Studi Keislaman Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Akademika Airlangga International Journal of Islamic Economics and Finance Management of Zakat and Waqf Journal (MAZAWA)) Mabny : Journal of Sharia Management and Business Ekosiana : Jurnal Ekonomi Syariah Mukaddimah: Jurnal Studi Islam Maliyah : Jurnal Hukum Bisnis Islam Al Hikmah : Jurnal Studi Keislaman Banco: Jurnal Manajemen dan Perbankan Syariah Kawanua International Journal of Multicultural Studies ADILLA: Jurnal Ilmiah Ekonomi Syari'ah Jurnal Ekonomi, Manajemen Bisnis, Syariah dan Teknologi SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Inspirasi: Jurnal Pengabdian Masyarakat Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Islamic Micro Finance Journal International Journal of Economics, Accounting, and Management Journal of Ekonomics, Finance, and Management Studies Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis International Journal of Economics and Management Research Jurnal Manajemen, Bisnis dan Kewirausahaan The Indonesian Journal of Islamic Economics Research MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis IJEMA
Mugiyati
Universitas Islam Negeri Sunan Ampel Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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OPTIMIZATION OF ZIS FUND COLLECTION AT LAZISMU GRESIK REGENCY, INDONESIA, TO IMPROVE THE NATIONAL ZAKAT INDEX Walid In'am Ahmad; Sirajul Arifin; Mugiyati
Airlangga International Journal of Islamic Economics and Finance Vol. 9 No. 01 (2026): January-June 2026
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/aijief.v9i01.74363

Abstract

This study aims to analyze the optimization strategy of ZIS fund collection at LAZISMU in Gresik Regency and how it impacts the increase in the national zakat index. The research method uses a qualitative approach based on literature review studies. This study aims to understand individual and group behavior relate to ZIS fund collection within natural institutional setting through a literature review approach. The originality of this study lies in its specific focus on local zakat institutions, particularly LAZISMU Gresik, which has rarely been the subject of in-depth academic study in relation to its contribution to the National Zakat Index. The finding reveals that optimizing ZIS fund collection requires strategic planning, community-based innovation such as the KOMDIG LAZ model, and local engagement to significantly enhance zakat collection outcomes. However, the study is limited by its reliance on secondary data and literature review, which may not fully capture the dynamic practices and challenges in the field. Practically, the findings provide useful insights for zakat institutions, especially local LAZ, to develop effective and scalable fundraising strategies that can contribute more directly to national zakat development indicators.
Analisis Pengaruh FDR dan BOPO terhadap Kinerja Keuangan (ROA dan ROE) pada Bank Syariah Indonesia Fathmah Hanum; Mugiyati Mugiyati; Muhamad Ahsan; Saiful Bakhri
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 4 No. 3 (2026): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/s3dqnp35

Abstract

The establishment of Bank Syariah Indonesia (BSI) through the merger of three state-owned Islamic banks marked a significant transformation in Indonesia’s Islamic banking industry, creating new challenges and opportunities related to profitability, financing expansion, and operational efficiency. Financial performance during the post-merger period can be evaluated through profitability indicators, particularly Return on Assets (ROA) and Return on Equity (ROE), which reflect management effectiveness in utilizing assets and shareholders’ equity. Quarterly financial statement data from 2021–2025 were analyzed using descriptive statistics, Pearson correlation, and multiple linear regression to examine the relationship between Financing to Deposit Ratio (FDR), Operational Efficiency Ratio (BOPO), and financial performance. The findings indicate that FDR is positively associated with profitability, suggesting that increased financing distribution contributes to improved financial returns. Conversely, BOPO demonstrates a strong negative relationship with both ROA and ROE, indicating that operational efficiency plays a decisive role in enhancing profitability. The regression results confirm that FDR and BOPO jointly explain a substantial proportion of variations in financial performance, with BOPO emerging as the more dominant determinant. These findings highlight that the success of BSI’s post-merger transformation is driven not only by financing growth but also by the ability to maintain operational efficiency. The study contributes empirical evidence on the financial dynamics of Indonesia’s largest Islamic bank during the post-pandemic recovery and institutional consolidation period.
Kesenjangan Antara Regulasi dan Implementasi Good Corporate Governance Pada Fintech Syariah Adinda Selvina; Mugiyati
Indonesian Journal of Economics Management and Accounting Vol. 2 No. 12 (2025): IJEMA - Desember 2025
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

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Abstract

Penelitian ini mengkaji kesenjangan antara regulasi dan praktik Good Corporate Governance (GCG) pada fintech syariah serta implikasinya terhadap keberlanjutan industri. Penelitian dilakukan dengan metode studi kepustakaan melalui analisis dokumen regulasi, fatwa, dan literatur akademik yang diterbitkan pada periode 2014–2025. Temuan menunjukkan bahwa meskipun kerangka regulasi telah tersedia, implementasi GCG pada fintech syariah belum sepenuhnya optimal. Tantangan utama meliputi keterbatasan kompetensi Dewan Pengawas Syariah (DPS), rendahnya literasi syariah di kalangan pelaku industri, dan lemahnya mekanisme pengendalian internal. Kesenjangan ini berdampak pada meningkatnya risiko reputasi serta berpotensi menghambat keberlanjutan fintech syariah. Oleh karena itu, diperlukan penguatan tata kelola berbasis prinsip transparansi, akuntabilitas, dan kepatuhan syariah yang terintegrasi dengan aspek Environmental, Social, and Governance (ESG). Kajian ini berkontribusi dengan memberikan perspektif normatif sekaligus praktis mengenai urgensi harmonisasi regulasi dan implementasi GCG dalam membangun ekosistem fintech syariah yang berkelanjutan.
Strategi Peningkatan Bisnis Melalui Optimalisasi Peran Modal Ventura Syariah Di Era Digitalisasi Linggha Sennakyz; Mugiyati
Indonesian Journal of Economics Management and Accounting Vol. 2 No. 12 (2025): IJEMA - Desember 2025
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

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Abstract

Penelitian ini dilatarbelakangi oleh masih terbatasnya skema pembiayaan syariah yang efektif untuk meningkatkan kapasitas usaha mikro, kecil, dan menengah di Indonesia, terutama dalam aspek pendampingan bisnis dan penciptaan nilai spiritual dalam kegiatan investasi. Studi ini bertujuan merumuskan kerangka konseptual strategi peningkatan skala bisnis melalui optimalisasi peran modal ventura syariah. Pendekatan kualitatif digunakan dengan mengkaji literatur normatif mengenai struktur pembiayaan, tata kelola, dan praktik investasi syariah yang relevan dengan pengembangan usaha. Hasil penelitian menunjukkan bahwa integrasi nilai spiritual dalam pengambilan keputusan investasi, penerapan prinsip musyārakah dan mudhārabah secara akuntabel, serta sinergi antara lembaga keuangan syariah dan pelaku usaha melalui digitalisasi merupakan faktor utama dalam memperkuat keberlanjutan bisnis. Penelitian ini menyimpulkan bahwa modal ventura syariah dapat berperan sebagai instrumen strategis dalam memperluas akses pembiayaan dan meningkatkan skala usaha secara berkelanjutan apabila ditopang oleh tata kelola investasi yang baik. Kerangka konseptual ini diharapkan memberikan kontribusi terhadap pengembangan strategi bisnis Islami yang mendukung kemaslahatan sosial dan pertumbuhan ekonomi nasional.
Tabungan Emas Sebagai Instrumen Lindung Nilai di Era Ketidakpastian Global: Perspektif Maqashid Syariah Linggha Sennakyz; Mugiyati
Indonesian Journal of Economics Management and Accounting Vol. 3 No. 6 (2026): IJEMA - Juni 2026
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

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Abstract

Penelitian ini mengkaji relevansi tabungan emas sebagai instrumen lindung nilai (hedging) bagi masyarakat di tengah ketidakpastian ekonomi dan gejolak geopolitik global periode 2024–2026. Kajian ini berpijak pada teori safe haven asset dan kerangka maqashid syariah, khususnya prinsip hifz al-maal sebagai landasan normatif pengelolaan kekayaan dalam Islam. Penelitian menggunakan pendekatan kualitatif deskriptif dengan analisis data sekunder dari World Gold Council, Goldman Sachs, UBS, ICDX, BPS, dan Bank Indonesia. Temuan menunjukkan harga emas global naik 26% sepanjang 2024 dan melonjak 64% pada 2025 dengan 53 kali rekor tertinggi sepanjang masa, lalu menembus USD 5.000 per ons pada 26 Januari 2026 dan bertengger di kisaran USD 4.500–5.500 hingga Mei 2026. Pendorong utamanya adalah kebijakan tarif agresif pemerintahan Trump, eskalasi konflik AS-Israel-Iran yang mengancam Selat Hormuz, perang Rusia-Ukraina yang belum reda, tren de-dolarisasi bank sentral BRICS+, serta pemangkasan suku bunga The Fed sebanyak 75 basis poin pada 2025. Pembelian emas oleh bank sentral mencapai 1.045 ton (2024) dan 863 ton (2025), dua kali lipat rata-rata dekade sebelumnya. Dalam kerangka hifz al-mal, tabungan emas memenuhi tiga fungsi sekaligus: muhafazah al-qiymah (proteksi daya beli), tawzi al-makhathir (diversifikasi risiko), dan suhulah al-tasarruf (likuiditas tinggi). Studi ini berargumen tabungan emas bukan sekadar pilihan investasi, melainkan respons rasional sekaligus kewajiban moral seorang Muslim dalam menjaga amanah harta dari inflasi dan ketidakstabilan moneter struktural.
Perkembangan Perbankan Syariah di Dunia dan Kepatuhannya terhadap Anti Pencucian Uang dan Pendanaan Terorisme Credo Prasetyoadi Pangestu; Mugiyati Mugiyati; Sri Wigati
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol. 7 No. 2 (2024): Juli
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v7i2.6356

Abstract

Penelitian ini menjelaskan peran dan pentingnya perbankan syariah dalam sistem keuangan dunia, dengan fokus pada kepatuhannya terhadap standar internasional dalam melawan pencucian uang dan pendanaan teroris (AML /CFT). Jurnal ini menganalisis strategi dan langkah-langkah yang diadopsi oleh beberapa negara, Khususnya Bahrain, Uni Emirat Arab, dan Malaysia, untuk memastikan transparansi dan keamanan dalam sistem keuangan lembaga keuangan Islam. Penelitian ini didasarkan pada tinjauan data dari laporan resmi, dan sumber informasi yang tersedia untuk umum. Peneitian ini memungkinkan penilaian efektivitas langkah-langkah AML / CFT dalam perbankan syariah dan identifikasi tantangan dan masalah utama yang dihadapi oleh lembaga keuangan di sektor ini.
Realizing Sustainable Sharia Banking Governance: An Analysis Of The Implementation Of Good Corporate Governance And Shariah Governance In Indonesian Sharia Banks Nur Khusnia; Mugiyati Mugiyati; Auwwalu Shuaibu Muhammad; Nurul Suhada Ismail
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol. 9 No. 1 (2026): Januari
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v9i1.9867

Abstract

Good Islamic banking governance is the main foundation for maintaining stability and trust in the Islamic financial industry. Bank Syariah Indonesia (BSI), as the largest Islamic bank in Indonesia, has a strategic role in effectively implementing the principles of Good Corporate Governance (GCG) and Sharia Governance. This study aims to analyze the implementation of GCG and Sharia Governance at BSI based on the latest data from 2024. The method used is qualitative descriptive analysis with a literature review approach and secondary data from BSI's GCG implementation reports. The results of the study indicate that although BSI has received various recognitions related to good corporate governance practices, challenges in the aspects of Sharia Supervisory Board independence, financial transparency, and compliance with Sharia principles remain key concerns. Therefore, strengthening internal oversight systems, enhancing information transparency, and improving Sharia compliance are necessary to maintain stakeholder trust and promote sustainable growth in Sharia banking.
Increasing the Potential of Productive Waqf through Cash Waqf as a Model for Local Economic Development Fahath Haikal Aziz; Mugiyati
al-Afkar, Journal For Islamic Studies Vol. 9 No. 3 (2026)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v9i3.2298

Abstract

In the midst of efforts to build a more inclusive and equitable economic system, cash waqf has emerged as a strategic alternative in encouraging sustainable local economic growth. As an Islamic social financial instrument, cash waqf has high flexibility and great potential in bridging the role of the community in financing development, especially in productive sectors such as MSMEs, education, and health services. This study uses a qualitative approach based on literature studies to examine how the cash waqf management mechanism can be optimized to empower the community economy. The results of the study show that although there is a regulatory framework and initiatives such as the National Cash Waqf Movement (GNWU), its implementation still faces challenges in the form of low community literacy, limited manager capacity (nazhir), and minimal incentives for waqf. However, through accountable governance, utilization of digital technology, and development of waqf investment schemes such as Cash Waqf Linked Sukuk (CWLS), cash waqf has the potential to become a driving force for economic development based on spiritual and social values. This study recommends strengthening waqf institutions, increasing public education, and integrating cash waqf into regional economic policies to create broader and more sustainable social impacts.
Co-Authors Abdillah Qadry Azizi Abdillah Qadry Azizi Abdullah Jimly Hasanal Adhim Achmad Fageh Adinda Selvina Adriani, Siti Kamiliyah Ahmad Agus Hidayat Ahmad Azim Aufaq Al Azroh, Devira Al Berto, Muhammad Al-farisy, Muhammad Daffa Al-fiyah, Tutik Aldi Khusmufa Nur Iman Alif Mujiyana Eka Bella Arif Angga Bayu Saputro Aris Saiful Mizan Atika, Meilani Fara Auwwalu Shuaibu Muhammad Basyirah, Luthfiana Charits, Achmad Zuhri Al Credo Prasetyoadi Pangestu Danang Purbo Raharjo Dewanty, Megananda Aruna Dina, Dina Anisya R Elnisa Salicha Fadel, Achmad Ghulam Fahath Haikal Aziz Fahrul Ubed Fathmah Hanum Fatkhurrozi, Tanto Fatmasari, Eka Putri Fausi, Ahmat Febriyanti, Inka Ayu Fitri Nur Latifah Habib Hambali, Habib Hasan Hasir Hikmah Muhaimin Hozinul Asror Ika Puspita Sari Iman, Tsubutul Iskandar Ritonga Jaudat Iqbal Harris Johan Johan Juliasari, Diar Eka Junet Andi Setiawan Junet Andi Setiawan Khoiriyah, Nur ‘Azizatul Lely Maharani Lilik Rahmawati Linggha Sennakyz Linggha Sennakyz Ma'ruf, Amar Marchelia Putri, Sindy Maulana, Safrizal Bangkit Mazidah, Nurul Moh Arifin Muchlisin, Muchammad Chafidz Muhamad Ahsan Muhammad Ade Salim Muhammad Raihan Syamil Muhammad Syahrul Hidayat Mursilah, Pembayun Musfiroh, Anita Mustofa, Mustofa Mutitul Choiroh, Ifa Nur Chotami Putra Muslim Nur Khusnia Nurhayati Nurita Sari Nurul Isnaini Nurul Suhada Ismail Nuur Rasyidah, Alvi Ony Thoyib Hadiwijaya Pratiwi, Ari Dwi Purwanto, Andi Putri Rahayu, Alfina Putri, Arsyida Alfianti Rohmatul Laily Al Faiqoh Royyan As-Syafi'i Saiful Bakhri Sa’adah, Tsuroyya Putri Selvina Adhani, Adinda Sirajul Arifin Siska Arie Novita Sri Wigati Suyuthi, Lailatun Nur Syamsul Arifin Tantriana, Deasy Trinil Susilawati Ubed, Fahrul Ulil Absor Faiq Abdillah Umi Qurrotul Aini Walid In'am Ahmad Walid In'am Ahmad Zidna, Rizka Rahmatllah