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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 Diponegoro Journal of Islamic Economics and Business Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen I-PHILANTHROPY: A Research Journal on Management of Zakat and Waqf Journal of Aswaja and Islamic Economics International Journal of Economics, Business and Innovation Research At-Tasharruf: Jurnal Ekonomi dan Bisnis Syariah
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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Financial relaxation of Islamic rural banks and private schools resilience during COVID-19 Riduwan Riduwan; Zalik Nuryana; Rofiul Wahyudi; Suyadi Suyadi; Lina Handayani
International Journal of Evaluation and Research in Education (IJERE) Vol 13, No 1: February 2024
Publisher : Institute of Advanced Engineering and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11591/ijere.v13i1.26903

Abstract

The pandemic of COVID-19 has increased tensions between Islamic rural banks and private schools. Many parents lose their jobs and are thus unable to pay their children’s school tuition. Private schools, on the other hand, are heavily reliant on tuition and bank financing. As a result, student enrollment falls, school finances suffer a deficit, many parents and students lose trust in the school, and some students may wish to drop out. This research aimed to investigate the effectiveness of financial relaxation on schools’ resilience. It was qualitative research with a case study approach focusing on the causal relationship of an Islamic rural banks with a private school affected by the COVID-19 pandemic in Muhammadiyah 1 Yogyakarta Vocational High School and Islamic rural banks’ Bangun Drajat Warga (BDW). The research finding reveals that BDW Islamic rural banks has implemented financing relaxation three times to ease the school’s burden and it has resulted in an improvement in the school’s resilience by as much as 33%. Besides, due to the high ideological commitment and adaptability of Muhammadiyah 1 Yogyakarta Vocational High School as well as the success of gaining parents’ trust regarding online teaching and learning, there has been an increase in the school tuition by as much as 80%. Although though the COVID-19 epidemic is coming to an end, it is still important to study the financial flexibility of Islamic rural banks and private schools in similar crises in the past to better prepare for the future.
Digital Zakat Payment: User Experience of Islamic Bank in Indonesia Rofiul Wahyudi; Dwi Santosa Pambudi
At-Taqaddum Vol 14, No 2 (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.v14i2.14252

Abstract

Zakat plays an important role in Islamic social financial institutions. So far, the receipt and payment of zakat has been carried out in many areas, starting from places of worship, social organizations, zakat institutions, to business institutions. In the modern era, the number of media and digital zakat payment centers has mushroomed, so that people have several alternatives. Therefore, this study aims to explore the experience of users of digital zakat services, especially Islamic banks in Indonesia. To achieve research objectives, the authors use descriptive analysis. The research was conducted by distributing online questionnaires using the Google form. The questionnaire survey was conducted for five weeks, from July to August 2022. The sample for this study was 100 digital payment users at Islamic banks. Users are divided into three sections; they are users of m-banking, ATM, and both. Limitations/implications of this study using a relatively small sample size compared to the size of the Indonesian population. Thus, the results must be interpreted with the observed sample. Practical Implications Islamic banks should ensure that their system is easy for people to make zakat payments online. Originality/value This study offers new insights related to quantitative studies on digital zakat and the behavior of zakat payers, especially in Indonesia.
Ten Years of Islamic Accounting: Bibliometrik Analysis Julia Noermawati Eka Satyarini; Rofiul Wahyudi; Aqidah Asri Suwarsi; Amelia Manggala Putri
International Journal of Economics, Business and Innovation Research Vol. 3 No. 02 (2024): March, International Journal of Economics, Business and Innovation Research (I
Publisher : Cita konsultindo

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Abstract

This study examines the trend of Islamic accounting publications using bibliometric analysis. The authors used co-citation and co-word analysis to examine 449 Islamic education and finance studies from Scopus. In the co-citation analysis, seven clusters of Islamic accounting themes were identified. After that, co-word analysis is used to understand each research theme and to uncover potential future research directions. The results showed that the average publication of articles was 18.3 per year over the last ten years. Malaysia, the United Kingdom, Tunisia, the UAE, and Indonesia are leading countries in Islamic accounting as centers of significant research activities. Furthermore, the Journal of Islamic Accounting and Business Research and the International Journal of Islamic and Middle Eastern Finance and Management are two journals that are the center of attention of researchers in publishing Islamic accounting topics. The field of research is related to Islamic accounting, which includes financial systems, capital markets, financial services, finance, financial performance, and investment. One of the new keys of COVID-19' is related to Islamic accounting. This new keyword in Islamic accounting research indicates that the research seeks to identify, analyze, and provide solutions to the impact of the pandemic on the Islamic accounting context.
An Analysis the Financial Performance of BAZNAS Tri Wulandari; Rofiul Wahyudi
Jurnal I-Philanthropy Vol 3 No 2 (2023): I-PHILANTHROPY:A Research Journal On Management Of Zakat and Waqf
Publisher : Prodi Manajemen Zakat dan Wakaf Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/iphi.v3i2.20589

Abstract

This research aims to measure and analyze the financial performance of the Klaten Regency National Amil Zakat Agency in 2019-2022. Performance measurement in this research uses the efficiency ratio, amil fund ratio and growth ratio issued by BAZNAS. Data obtained from the Klaten Regency BAZNAS financial report for 2019-2022. Research data collection techniques use observation and documentation techniques. The method in this research is descriptive quantitative using simple linear regression analysis. Model testing was carried out with SPSS version 25.0 software. Statistical testing in this research uses the classic assumption test which consists of the normality test, multicollinearity test, heteroscedasticity test, and autocorrelation test. Then proceed with the R2 coefficient of determination test. The results of statistical analysis have fulfilled most or all of the relevant classical assumptions. Meanwhile, the results of the analysis of the coefficient of determination (R2) are 0.564 or 56.4%, which explains that the Ratio variable (Efficiency, Capital Funds and Growth) has an influence on the dependent variable of financial performance effectiveness, while the remaining 43.6% is caused by other factors.
ROBOTICS IN ISLAMIC BANKING: BIBLIOMETRIC ANALYSIS AND FUTURE RESEARCH AGENDA Rofiul Wahyudi; Julia Noermawati Eka Satyarini; Fitria Nurma Sari
Diponegoro Journal of Islamic Economics and Business Vol 6, No 1 (2026): Juni
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/djieb.29627

Abstract

This study aims to map and analyze scientific developments related to robotics and artificial intelligence (AI) within the Islamic banking ecosystem using a bibliometric approach and network visualization. The analysis was conducted using Bibliometrix (RStudio) for performance analysis and VOSviewer for science mapping, encompassing networks of authors, institutions, countries, keywords (both author keywords and index keywords), and citation networks. A total of 626 Scopus-indexed articles discussing robotics and AI in the context of Islamic banking were analyzed. And the results identified three main clusters: (i) the Islamic fintech and digital transformation cluster (including fintech, blockchain, and AI), (ii) the digital/mobile banking cluster focusing on aspects of trust, cybersecurity, and customer satisfaction, and (iii) the TAM/UTAUT model-based technology adoption cluster highlighting factors such as risk perception and behavioral intention. In terms of collaboration, authors such as Rabbani and Hassan, institutions such as the Islamic Business School (UUM), and countries such as India, Malaysia, and Indonesia occupy central positions. Conceptually, connecting keywords such as fintech, mobile banking, technology adoption, artificial intelligence, and Sharia compliance form bridges between the main topics. The novelty of this research lies in the first comprehensive mapping that explicitly links robotics with the Islamic banking ecosystem, while identifying opportunities for further research in the fields of Sharia based automation, halal virtual assistants, and real time Sharia compliance monitoring. 
Analisis Peran Pembiayaan Mudharabah, Musyarakah, Murabahah, dan Ijarah Terhadap Profitabilitas Bank BPD Syariah di Indonesia Periode 2016-2024 Nopi Triana; Rofiul Wahyudi
At-Tasharruf "Jurnal Kajian Ekonomi dan Bisnis Syariah" Vol. 8 No. 1 (2026): At-Tasharruf
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/at.v8i1.5092

Abstract

Penelitian ini mengkaji profitabilitas BPD Syariah di Indonesia antara tahun 2016 dan 2024 dalam kaitannya dengan pembiayaan mudharabah, musyarakah, murabahah, dan ijarah. Data sekunder dari laporan keuangan tahunan BPD Syariah digunakan secara kuantitatif. Populasi penelitian terdiri dari seluruh Bank Pembangunan Daerah Syariah yang terdaftar di OJK. Sampel akhir sebanyak 5 bank diperoleh melalui penggunaan purposive sampling. Mudharabah, musyarakah, murabahah, dan pembiayaan ijarah merupakan variabel independen, sedangkan ROE dan ROA merupakan variabel dependen yang digunakan untuk mengukur profitabilitas. Regresi linear berganda dan statistik deskriptif digunakan untuk menilai data setelah pengujian asumsi tradisional. Hasil penelitian menunjukkan bahwa semua bentuk pembiayaan syariah memiliki dampak substansial terhadap profitabilitas bank secara bersamaan. Pembiayaan murabahah, sebagian, secara signifikan dan menguntungkan mempengaruhi ROE dan ROA. Pembiayaan ijarah memiliki dampak negatif terhadap ROE tetapi dampak positif terhadap ROA. Sementara pembiayaan musyarakah berdampak signifikan dan negatif terhadap kedua metrik profitabilitas, pembiayaan mudharabah berdampak negatif pada ROA tetapi berpengaruh baik pada ROE. Hasil ini menunjukkan bagaimana pembiayaan bagi hasil versus pembiayaan tanpa bagi hasil dalam perbankan syariah regional memiliki efek profitabilitas yang berbeda.
PEMBIAYAAN SYARIAH DAN PROFITABILITAS PADA BANK BPD SYARIAH DI INDONESIA: PENDEKATAN DATA PANEL DENGAN ROBUSTNESS CHECK: SHARIA FINANCING AND PROFITABILITY IN SYARIAH BPD BANKS IN INDONESIA: A PANEL DATA APPROACH WITH ROBUSTNESS CHECK Rofiul Wahyudi; Ferry Khusnul Mubarok; Sunu Prasetya Adi
JASIE Vol. 4 No. 2 (2025): DESEMBER
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/jse.v4i02.14903

Abstract

Penelitian ini bertujuan menganalisis pengaruh pembiayaan mudharabah, musyarakah, murabahah, dan ijarah terhadap profitabilitas BPD Syariah di Indonesia. Penelitian ini menggunakan pendekatan kuantitatif berbasis balanced panel data yang mencakup lima BPD Syariah selama periode 2016–2024. Profitabilitas diukur menggunakan Return on Assets (ROA) dan Return on Equity (ROE), sementara variabel independen terdiri dari pembiayaan mudharabah, musyarakah, murabahah, dan ijarah. Estimasi dilakukan menggunakan pooled ordinary least squares (pooled OLS) dengan robust standard errors (HC3) untuk mengatasi heteroskedastisitas dan potensi pelanggaran asumsi klasik. Analisis deskriptif dan uji diagnostik turut dilakukan untuk memastikan kelayakan model. Hasil penelitian menunjukkan bahwa pembiayaan mudharabah berpengaruh positif terhadap ROA dengan signifikansi marginal pada tingkat 10%, sedangkan musyarakah menunjukkan pengaruh negatif yang juga signifikan pada level 10%. Pembiayaan murabahah dan ijarah tidak memiliki pengaruh signifikan terhadap ROA. Pada model ROE, seluruh jenis pembiayaan syariah tidak menunjukkan pengaruh yang signifikan. Temuan ini mengindikasikan bahwa struktur pembiayaan syariah, khususnya akad mudharabah dan musyarakah, memiliki hubungan yang lebih nyata terhadap profitabilitas aset dibandingkan profitabilitas ekuitas. Hasil penelitian menunjukkan bahwa BPD Syariah perlu memperkuat pengelolaan pembiayaan bagi hasil, terutama mudharabah, karena terbukti lebih berpotensi meningkatkan profitabilitas. Pengawasan pada musyarakah perlu ditingkatkan mengingat kecenderungan pengaruhnya yang negatif, sedangkan strategi margin dan efisiensi pada murabahah dan ijarah perlu dioptimalkan agar lebih mendukung kinerja bank.
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 Fitria Nurma Sari 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 Nopi Triana Nuryana, Zalik Oril Presti Nurani Priyono Puji Prasetyo Riduwan Riduwan Shah Amelia Manggala Putri Siti Mujibatun Sunu Prasetya Adi Suwandi Suwandi Suwarsi, Aqidah Asri Suyadi, Suyadi Tri Wulandari Viki Erlina Septiviana Viki