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All Journal International Journal of Evaluation and Research in Education (IJERE) Journal of Education and Learning (EduLearn) At-Taqaddum Al Tijarah Muaddib : Studi Kependidikan dan Keislaman Dinamis : Journal of Islamic Management and Bussiness Ihtifaz: Journal of Islamic Economics, Finance, and Banking Jurnal Pemberdayaan: Publikasi Hasil Pengabdian Kepada Masyarakat Journal of Institution And Sharia Finance JESI (Jurnal Ekonomi Syariah Indonesia) IJISH (International Journal of Islamic Studies and Humanities) Journal of Global Business and Management Review TRIDARMA: Pengabdian Kepada Masyarakat (PkM) Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam At-Tasharruf : Jurnal Kajian Ekonomi dan Bisnis Syariah AKM: Aksi Kepada Masyarakat Prosiding Seminar Nasional Program Pengabdian Masyarakat Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen I-PHILANTHROPY: A Research Journal on Management of Zakat and Waqf International Journal of Economics, Business and Innovation Research
Rofiul Wahyudi
Universitas Ahmad Dahlan
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Public Health Social Sciences Other

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Analisis Efektivitas Distribusi Zakat pada Baitulmal Bank Syariah Indonesia Akhmad Arif Rifan; Rofiul Wahyudi; Oril Presti Nurani
Al-Tijary Vol 6 No 1 (2020): AL-TIJARY VOL. 6, NO. 1, DESEMBER 2020
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (221.297 KB) | DOI: 10.21093/at.v6i1.2542

Abstract

The Zakat Management Organization is a non-profit organization that is expected to be managed to provide more comprehensive benefits to the community, one of which is Baitulmaal, which is managed by a sharia bank. This study aims to analyze the effectiveness of the distribution of zakat in baitulmaal Indonesian Islamic banks. The research method uses a quantitative approach with a descriptive design. The population of this research is all Baitulmal Islamic banks in Indonesia. The sample selection in this study used purposive sampling with the following criteria: limited to Baitulmal Islamic banks, including in the category of book banks 3 & 4, have published financial data, do not include other Baitulmal institutions or government national zakat institutions. Based on the criteria, the samples selected according to the requirements are Baitul Maal Muamalat (BMM) Bank Muamalat Indonesia, BSM Umat, BRI Baitul Maal Foundation (YBM), Hasanah Titik Foundation (YHT) BNI Syariah. Measurement of Baitulmal Islamic banks' effectiveness on the dimensions of the intermediation function in the Zakat Core Principle (ZCP) Model. This study's findings indicate that in 2016 the level of effectiveness was in the fairly significant category. Meanwhile, 2017 and 2018 showed an increase in the significant type. The effectiveness of baitulmaal during this research period indicates the importance of management to improve performance so that zakat funds can be more targeted and useful
ASPEK HUKUM SYARIAH DALAM SANADAT AL-MUQARADAH (SUKUK) Rofiul Wahyudi; Ferry Khusnul Mubarok; Julia Noermawati Eka Satyarini
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 1, No 1 (2020): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (272.663 KB) | DOI: 10.28944/masyrif.v1i1.221

Abstract

Sukuk atau dalam istilah fikih disebut dengan sanadat al-muqaradahmerupakan instrumen yang dapat digunakan sebagai salah satu alternatif investasi selain, tabungan, giro, dan deposito. Hanya saja, pengetahuan dan pemahaman masyarakat terhadap sukuk dalam perspektif hukum normatif dan positif masih rendah. Karena itu, tujuan utama penelitian ini untuk menginvestigasi aspekhukumsyariahdalamsanadat al-muqaradah (sukuk). Penelitian ini termasuk kualitatif dengan jenis penelitian pustaka di mana data utama diperoleh dari baik berupa buku, catatan, maupun laporan hasil penelitian terdahulu. Temuan penelitian ini menunjukkan bahwa aspek-aspek hukum syariah dalam sukuk sudah diatur oleh Fatwa DSN-MUI Nomor 33/DSN-MUI/IX/2002. Sementara pengawasan sukuk dilakukanoleh lembaga pengawas pasar modal, BAPEPAMLK. 
An Analysis of the COVID-19 Impact on Business and Social Performance of Islamic Micro-Financial Institutions Riduwan Riduwan; Rofiul Wahyudi; Dwi Santosa Pambudi Pambudi; Ahmad Arif Rifan
IJISH (International Journal of Islamic Studies and Humanities) Vol. 5 No. 2 (2022): October
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26555/ijish.v5i2.6513

Abstract

Islamic micro-financial institutions (LKMS) provide services for micro businesses in the form of deposits, financing, and social assistance as the main activities. The COVID-19 pandemic engenders an adverse impact, breeding members’ inabilities to measure up to their duties. The inabilities are regretted as LKMS should have also been able to assist its members in sustaining as a form of social responsibility. The research aims to prove paradoxes in business and social performance. We applied a descriptive quantitative approach to a secondary data analysis of business and social performance reports during the COVID-19 pandemic until 2021. The research population covered 154 members of the Islamic cooperative parent, and the samples were 51 LKMS in the Islamic cooperative center. Conclusions were drawn from data analysis using stakeholder and stewardship theories. The results demonstrated that the COVID-19 pandemic incurred negative impacts, i.e., a decreased business performance of LKMS of 8.4% on average for two years. Meanwhile, another finding exhibited an increase in social performance by 27%. Based on the data, we could argue that a decrease in LKMS business performance bred an increase in social performance.
Analisis Persepsi Jamaah Masjid di Kecamatan Gondokusuman Terhadap Keputusan Penggunaan QRIS Hafifuddin Hafifuddin; Rofiul Wahyudi
Dinamis : Journal of Islamic Management and Bussiness Vol 5, No 2 (2022): Oktober
Publisher : Institut Agama Islam Negeri Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/dinamis.v5i2.3347

Abstract

This study aims to analyze the mosque congregation's decision to use QRIS against ZIS and to find out which variable influences the decision to use QRIS against ZIS. The research method used is quantitative. Respondents in this study were mosque congregations in the Gondokusuman sub-district. The population in this study were all mosques in Gondokusuman District. The sampling technique used was purposive sampling, and a sample of 100 respondents was obtained. The data collection technique uses a questionnaire distributed to mosque congregations carrying out non-cash transactions in the form of QRIS. Methods of data analysis using multiple linear regression analysis, hypothesis testing (t-test and F test), and test the coefficient of determination (R2). The results of this study show that partially and simultaneously, the convenience variable and the benefits variable have a positive and significant effect on the decision of the congregation of mosques in the Gondokusuman sub-district to use QRIS as a ZIS transaction tool. Simultaneously, the convenience variable and benefits variable influence the decisions of mosque congregations in the Gondokusuman sub-district using QRIS as a tool for ZIS transactions with an effect size of 26.6%.
Analisis Kinerja Bank Syariah Negara OKI pada Era Digital: Studi Masa Pandemi Covid-19 Anggi Indrawati; Fadia Haya Putri; Rofiul Wahyudi
Journal Of Institution And Sharia Finance Vol 5, No 2 (2022): DESEMBER
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v5i2.3360

Abstract

This study aims to analyze the performance of Islamic banks in OKI countries in the digital era during the pandemic. This research is a quantitative research with a descriptive approach. The sample in this study was selected based on a purposive sampling technique in order to obtain nine Islamic Cooperation Organization (OKI) countries with the top rankings according to the Asian Banker in 2020. Secondary data in this study were in the form of quarterly financial reports for the 2020 observation period. The data analysis technique used descriptive statistics for provides a complete picture of the financial performance of Islamic banks during the Covid-19 pandemic. The results show that the performance of Islamic banks in the nine OKI countries was not affected during the Covid-19 pandemic. On the other hand, the Covid-19 pandemic has actually encouraged the digitization of digital banking services and transactions to maintain profits during the Covid-19 pandemic.
Entrepreneurship of Batik Nitik Blawong Free of Riba (Implementation of Islamic Economic Law) Berwirausaha Batik Nitik Blawong yang Bebas Riba (Penerapan Hukum Ekonomi Islam) Danang Wahyu Muhammad; Ahdiana Yuni Lestari; Rofiul Wahyudi
Prosiding Seminar Nasional Program Pengabdian Masyarakat 2022: 4. Kapasitas Daya Saing Usaha Mikro, Kecil, dan Menengah (UMKM) dan Badan Usaha Milik Desa (BU
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/ppm.54.1150

Abstract

Berwirausaha merupakan salah satu kegiatan ekonomi yang sangat besar manfaatnya untuk membangun dan meningkatkan kesejahteraan masyarakat. Sebagai orang yang bergama islam, dengan sendirinya menundukkan diri dengan sukarela kepada hukum islam, maka dalam setiap kegiatan yang dilakukan hendaknya menerapkan prinsip syariah. Persaingan usaha sudah menjadi hal yang biasa dikalangan pengusaha. Persaingan usaha yang tidak sehat dalam menjalankan usaha akan mendorong pengusaha mengambil jalan pintas yang melanggar hukum dan agama. Riba telah menjadi teman bahkan sahabat yang sulit dipisahkan bagi kehidupan sehari-hari, karena kurangnya pengetahuan tentang riba, hukum-hukum yang mendasari riba, sebab-sebab pengharamanya riba, serta dampak yang diakibatkan oleh riba. Oleh karena itu perlu adanya pemahaman tentang riba. Tujuan pengabdian ini adalah memberikan pemahaman tentang riba agar Kelompok Batik Nitik Blawong II terhindar dari transaksi-transaksi yang mengandung riba mengingat banyaknya transaksi saat ini yang telah mengabaikan riba. Dalam pengabdian masyarakat ini metode yang digunakan adalah sosialisasi mengenai riba. Berdasarkan hasil pre test dan post test dari 10 peserta, dapat diambil kesimpulan tingkat pemahaman peserta sebelum dilakukan sosialisasi mengenai prinsip hukum ekonomi syariah yaitu bebas riba dan penerapan berwirausaha bebas riba sebesar 35%, dan setelah dilakukan sosialisasi, tingkat pemahaman peserta mengenai prinsip hukum ekonomi syariah yaitu bebas riba dan penerapan berwirausaha bebas riba sebesar 62,75%. Pengetahuan peserta sosialisasi mengalami peningkatan sehingga pengabdian yang dilakukan tidak stagnan dan dikatakan berhasil
Pendampingan Penguatan Kepatuhan Syariah Bagi Marketing BMT Bina Ihsanul Fikri Yogyakarta Riduwan Riduwan; Akhmad Arif Rifan; Rofiul Wahyudi
AKM Vol 4 No 1 (2023): AKM : Aksi Kepada Masyarakat Jurnal Pengabdian Kepada Masyarakat - Juli 2023
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/akm.v4i1.869

Abstract

Sharia compliance is a requirement for Islamic financial institutions because it can increase public trust. As part of an Islamic financial institution, Baitul Maal wa Tamwil (BMT) is required to maintain consistency in implementing Sharia compliance, both in operations and marketing. The Sharia principle that forms the primary basis is the fatwa of the National Sharia Council (DSN), the Indonesian Ulema Council (MUI). The fatwa is binding on all financial institutions, including BMT. Therefore all employees must master and implement it at work.Community service in the form of assistance in Strengthening Sharia Compliance at BMT Bina Ihsanul Fikri Marketing has succeeded in increasing understanding of Sharia principles and marketing commitment to its implementation—mentoring methods in focus group discussions and classical training with structured material. The training was conducted for marketing as many as 56 people. The assistance results show an increase in understanding of Sharia principles by 85.5% and a commitment to implement Sharia principles by 89.3% properly.
The Performance of Indonesian Islamic Rural Banks During Covid-19 Julia Noermawati Eka Satyarini; Rofiul Wahyudi; Shah Amelia Manggala Putri; Mia Rizka Tusyani
At-Taqaddum Vol 14, No 1 (2022)
Publisher : Quality Assurance Institute (LPM) State Islamic University Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/at.v14i1.16392

Abstract

The Covid-19 pandemic caused turbulence in all sectors, including Islamic Rural Banks. The financial performance of Islamic Rural Banks has come under pressure due to the decline in SMEs financing quality. Therefore, this study aims to analyze the financial performance of Indonesian Islamic rural banks during the Covid-19. This research method uses a descriptive quantitative approach with secondary data in financial statements from 165 Islamic Rural Banks in Indonesia as a population and sample. Data analysis techniques use descriptive statistics to reveal the performance of Islamic Rural Banks during the Covid-19 pandemic for the January-December 2020 period, which includes Productive Asset Quality, Non- Performing Financing, Return on Assets, BOPO, Financing to Deposit Ratio, and Cash Ratio. The findings of this study show that most Islamic rural banks have experienced a decline in financial performance. The implication is that Islamic rural banks must strengthen risk management to deal with the possibility of similar or other pandemics in the future.
Panel Data Regression: Equity Financing and Debt-based Financing Islamic Commercial Banking in Indonesia Isnaini Ulfa Rinda Sari; Rofiul Wahyudi
Al Tijarah Vol. 9 No. 1 (2023): Al Tijarah | June
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/at.v9i1.8288

Abstract

This paper investigates the impact of equity financing and debt-based financing on profitability in Islamic Commercial Banks. Panel data regression is used to determine the effect of equity-based financing and debt-based financing on Islamic commercial banks' profitability in Indonesia. The data used in this study are the aggregate financial statements of Islamic commercial banks during 2015-2019. The research findings show that partially debt and equity-based financing does not affect ROA and ROE of Islamic Commercial Banks. However, simultaneously the statistical results show a difference where debt and equity-based financing do not affect ROA. Meanwhile, debt and equity-based financing simultaneously affect ROE
Mapping the field of Islamic banking and finance education: A bibliometric analysis and future research agenda Rofiul Wahyudi; Lina Handayani; Zalik Nuryana; Riduwan Riduwan
Journal of Education and Learning (EduLearn) Vol 17, No 4: November 2023
Publisher : Intelektual Pustaka Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11591/edulearn.v17i4.20947

Abstract

This article examined trends in Islamic education and finance publications using bibliometric analysis. The authors used co-citation and co-word analysis to examine 449 Islamic education and finance studies from Scopus database. In the co-citation analysis, 10 themes in Islamic education and finance were identified. After that, co-word analysis is used to understand and identify each research theme’s potential future research directions. The results showed that per year the average publication of articles was 2.65. There has been extensive research on this topic in the United States (US) and the United Kingdom (UK), and the most popped-up keywords are ‘education’, ‘finance education’, ‘banking education’ and very limited ‘Islamic finance education’. Further research can be developed using Islamic jurisprudence education, Islamic insurance education, Islamic capital market education, zakat education and waqf as keywords. In addition, the study offers a visualization map of theme patterns for future studies to create educational fields for Islamic banking and finance education, particularly in Muslim-majority nations like Indonesia, Malaysia, and the Middle East. This research contributes as a foundation for further research in enriching and developing knowledge about Islamic education and finance, especially in majority countries.
Co-Authors Agus Susetyohadi Ahdiana Yuni Lestari Ahmad Arif Rifan Ajeng Putri Mahendra Akhmad Arif Rifan Allselia Riski Azhari Allselia Riski Azhari Allselia Amelia Manggala Putri Anggi Indrawati Cahyannisa Pertiwi Danang Wahyu Muhammad Dwi Santosa Pambudi Dwi Santosa Pambudi Pambudi Fadia Haya Putri Faiza Husnayeni Nahar Hafifuddin Hafifuddin Husein Adi Negoro Isnaini Ulfa Rinda Sari Julia Noermawati Eka Satyarini Lina Handayani Mia Rizka Tusyani Mubarok, Ferry Khusnul Muhammad Fauzi Abdullah Niken Sri Rahayu Nuryana, Zalik Oril Presti Nurani Priyono Puji Prasetyo Riduwan Riduwan Shah Amelia Manggala Putri Siti Mujibatun Suwandi Suwandi Suwarsi, Aqidah Asri Suyadi, Suyadi Tri Wulandari Viki Erlina Septiviana Viki