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All Journal Jurnal Ilmiah Mahasiswa FEB International Journal of Local Economic Governance Jurnal Pengabdian Masyarakat Indonesia GOVERNANCE: Jurnal Ilmiah Kajian Politik Lokal dan Pembangunan Jurnal Gramaswara: Jurnal Pengabdian kepada Masyarakat Journal of International Conference Proceedings Journal of Artificial Intelligence and Digital Business Innovative: Journal Of Social Science Research JPNM : Jurnal Pustaka Nusantara Multidisiplin Journal of Development Economic and Social Studies (JDESS) Contemporary Studies in Economic, Finance and Banking (CSEFB) Islamic Economics and finance in Focus (IEFF) Jurnal Ilmiah Ekonomi, Akuntansi dan Pajak
Ajeng Kartika Galuh
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Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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The Influence of Zakat, Infaq, Sadaqah, Sukuk, and Islamic Financing on Economic Growth in Indonesia for the 2011-2024 Period Khalid Miftahuda; Galuh, Ajeng Kartika
Islamic Economics and finance in Focus Vol. 4 No. 4 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2025.04.4.04

Abstract

This study aims to investigate the influence of zakat, infaq, shadaqah (ZIS), sukuk, and Islamic financing on Indonesia's Gross Domestic Product (GDP). This research employs a quantitative approach. Research samples were collected from official government literature, namely the Central Statistics Agency (BPS), the Financial Services Authority (OJK), and the National Amil Zakat Agency (BAZNAS). The data analysis technique used in this study is the Vector Error Correction Model (VECM), implemented with EViews software. The research results indicate that ZIS affects economic growth in Indonesia in the short term due to the influence of income distribution, which increases the consumption of the poor, thereby affecting aggregate demand, and this aligns with Keynesian theory. Furthermore, Islamic financing affects economic growth in Indonesia in the short term because the dominant contract used is murabahah. However, sukuk and inflation do not affect economic growth in Indonesia. For future research, it is suggested to conduct comparative studies with other countries to understand the influence of Islamic economic variables more contextually. For the government, it is hoped that policies can be issued to maximize sharia economic instrument funds so that they can provide maximum benefits to the Indonesian people.
The Impact of Green Banking Implementation on the Profitability and Performance of Indonesian Banks (The Period of 2021-2024) Putri, Rafa Fahriela; Galuh, Ajeng Kartika
Contemporary Studies in Economic, Finance and Banking Vol. 5 No. 1 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2026.05.1.11

Abstract

Green banking has emerged as a global strategic approach to support sustainability, yet its impact on bank profitability in Indonesia remains underexplored. This study aims to analyze the effect of green banking practices on the profitability of commercial banks listed on the Indonesia Stock Exchange. Using a quantitative approach, the study examines panel data from 13 banks over the 2021–2024 period through fixed effect regression analysis. Profitability is measured by Return on Assets (ROA). The independent variables include operational efficiency (operating expenses to operating income), capital adequacy ratio, sustainable financing (portion of green lending), digital service usage (number of e-banking users), number of ATMs, and Corporate Social Responsibility (CSR) funds. The results show that operational efficiency, sustainable financing, digitalization, and CSR funds significantly affect ROA. Meanwhile, capital adequacy and the number of ATMs have no significant effect. The study concludes that specific green banking practices can enhance profitability when implemented effectively. These findings contribute to the green banking literature in Indonesia and offer practical insights for banks and regulators in formulating sustainable finance policies.
Model Penguatan Kemandirian Ekonomi Perempuan melalui Pembentukan Koperasi Berbasis Komunitas di Dusun Morotanjek Safitri, Fajrin Intan; Badriyah, Nurul; Galuh, Ajeng Kartika
Jurnal Gramaswara: Jurnal Pengabdian kepada Masyarakat Vol. 5 No. 3 (2025): Jurnal Gramaswara: Jurnal Pengabdian kepada Masyarakat
Publisher : Faculty of Cultural Studies, Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.gramaswara.2025.005.03.06

Abstract

Kemandirian ekonomi perempuan merupakan aspek krusial dalam penguatan ekonomi rumah tangga dan komunitas, terutama pada wilayah perdesaan yang menghadapi keterbatasan akses sumber daya dan pelatihan. Kegiatan Pengabdian kepada Masyarakat ini bertujuan untuk meningkatkan kapasitas ekonomi perempuan melalui pembentukan koperasi wanita berbasis komunitas di Dusun Morotanjek, Kabupaten Malang. Metode yang digunakan adalah pendekatan partisipatif dengan tahapan sosialisasi, pelatihan kapasitas kelembagaan, pendampingan operasional, dan evaluasi berbasis refleksi komunitas. Kegiatan diikuti oleh 25 perempuan anggota PKK, Dharma Wanita, dan kelompok tani wanita. Hasil kegiatan menunjukkan peningkatan pemahaman peserta mengenai prinsip koperasi, pengelolaan usaha, dan literasi keuangan, yang ditunjukkan melalui peningkatan 65% hasil pretest–posttest. Peserta mampu merancang struktur koperasi, menyusun rencana sistem simpan pinjam, dan mengembangkan identifikasi potensi produk unggulan lokal. Selain itu, terbentuk komitmen kolektif untuk mewujudkan koperasi wanita sebagai instrumen pemberdayaan berkelanjutan. Kegiatan ini memberikan pondasi kelembagaan dan modal sosial yang kuat bagi implementasi koperasi produktif yang berorientasi pada kemandirian ekonomi perempuan di Dusun Morotanjek.
Analisis Pengaruh Pembiayaan Produktif dan Pembiayaan Konsumtif terhadap Risiko Pembiayaan Bank Umum Syariah di Indonesia Arrayyan, Muhammad Zhary; Galuh, Ajeng Kartika
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.7941

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pembiayaan produktif dan pembiayaan konsumtif terhadap risiko pembiayaan yang diukur dengan Non-Performing Financing (NPF) pada Bank Umum Syariah (BUS) di Indonesia. Penelitian ini menggunakan pendekatan kuantitatif dengan data panel dari 11 BUS periode 2021Q1 hinigga 2024Q4 yang diperoleh dari laporan keuangan masing-masing BUS. Analisis regresi data panel dengan Fixed Effect Model (FEM) digunakan dalam penelitian ini. Penelitian ini juga memasukkan kapitalisasi bank (CAP) dan ukuran bank (SIZE) sebagai variabel kontrol. Hasil penelitian menunjukkan bahwa baik pembiayaan produktif maupun pembiayaan konsumtif berpengaruh positif dan signifikan terhadap peningkatan risiko pembiayaan. Namun, kontribusi pembiayaan produktif terhadap peningkatan risiko pembiayaan lebih besar dibandingkan pembiayaan konsumtif, yang menunjukkan adanya masalah keagenan serius seperti asimetri informasi dan adverse selection dalam skema bagi hasil. Sementara itu, variabel kontrol CAP dan SIZE terbukti berpengaruh negatif dan signifikan terhadap risiko pembiayaan. Menunjukkan bahwa bank dengan permodalan dan skala aset yang lebih besar mampu menekan risiko pembiayaan secara lebih efektif. Implikasi dari penelitian ini menekankan pentingnya penguatan manajemen risiko pada kedua pembiayaan, terutama pembiayaan produktif. Bank perlu lebih selektif dalam memberikan pembiayaan produktif untuk mencegah gagal bayar. Penelitian ini juga memberikan kontribusi praktis bagi manajemen bank syariah dalam mengatur portofolio pembiayaan serta memperkuat tata kelola risiko berbasis keagenan.
Pengaruh Tingkat Suku Bunga, CAR, LDR, dan BOPO terhadap Kredit Bermasalah pada Bank dengan Aset Terbesar di Indonesia (2015–2024) Febriani Puspita Mawarni; Ajeng Kartika Galuh
JPNM Jurnal Pustaka Nusantara Multidisiplin Vol. 4 No. 2 (2026): May : Jurnal Pustaka Nusantara Multidisiplin (ACCEPTED)
Publisher : SM Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59945/jpnm.v4i2.1230

Abstract

Penelitian ini menganalisis pengaruh tingkat suku bunga, Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), dan Biaya Operasional terhadap Pendapatan Operasional (BOPO) terhadap Non Performing Loan (NPL) pada enam bank dengan aset terbesar di Indonesia selama periode 2015 hingga 2024. Dengan pendekatan kuantitatif dan data panel kuartalan, penelitian ini menggunakan regresi data panel dan menetapkan Common Effect Model (CEM) sebagai model yang paling sesuai. Hasil penelitian menunjukkan bahwa keempat variabel secara simultan berpengaruh signifikan terhadap NPL. Secara parsial, tingkat suku bunga berpengaruh negatif dan signifikan terhadap NPL, CAR berpengaruh positif dan signifikan, LDR tidak berpengaruh signifikan, sedangkan BOPO berpengaruh positif dan signifikan. Temuan ini menunjukkan bahwa risiko kredit pada bank besar lebih sensitif terhadap efisiensi operasional dan perilaku permodalan dibandingkan intensitas intermediasi semata. Pengaruh negatif suku bunga mengindikasikan adanya pengetatan kehati hatian kredit saat biaya dana meningkat, sedangkan pengaruh positif CAR menunjukkan bahwa modal yang lebih kuat dapat disertai perilaku pengambilan risiko yang lebih agresif. Hasil penelitian ini diharapkan menjadi pertimbangan bagi manajemen bank dan regulator dalam memperkuat pengawasan kualitas kredit, efisiensi operasional, dan pengelolaan modal yang prudent.
Analysis of the Influence of Financial Literacy and Digital Financial Inclusion on the Use of QRIS Among MSMEs Maharani, Pingkan Ayu; Ajeng Kartika Galuh
Contemporary Studies in Economic, Finance and Banking Vol. 5 No. 2 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The digital transformation of payment systems has encouraged Micro, Small, and Medium Enterprises (MSMEs) to begin implementing cashless payment technologies such as the Quick Response Code Indonesian Standard (QRIS). However, increased use of QRIS has not been fully accompanied by adequate levels of financial literacy and understanding of digital financial inclusion, resulting in suboptimal utilization. This study aims to analyze the influence of financial literacy and digital financial inclusion on the decision to use QRIS among MSMEs in Malang City. The study employs a quantitative approach using purposive sampling of 393 MSME owners who use QRIS. Data analysis was conducted using multiple linear regression with the help of SPSS. The results indicate that financial literacy and digital financial inclusion have a positive and significant effect on the decision to use QRIS, both partially and simultaneously. These findings reinforce the importance of improving financial literacy and expanding digital financial inclusion to promote the optimal use of QRIS among MSMEs.
Implikasi Pemberdayaan Zakat Produktif Terhadap Mustahik Melalui Indikator Perbaikan Pendapatan, Perbaikan Hidup, dan Perbaikan Usaha : Studi Kasus Yayasan Dana Sosial Al Falah Malang Muhammad Wifaqul Azmi; Ajeng Kartika Galuh
Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak Vol. 3 No. 2 (2026): Juni : Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak (JIEAP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jieap.v3i2.2343

Abstract

Poverty is one of the complex issues posing a serious threat for developing countries such as Indonesia. With its high potential of zakat revenue, which can serve as an instrument of economic distribution and equality as well as socio-economic function driver, this nation is expected to be able to reduce disparity and foster self-sufficiency among its people. The objective of this research is to analyze the impacts of productive zakat empowerment through the Independent Business Group (KUM) program by Yayasan Dana Sosial Al-Falah (YDSF) of Malang on the wellbeing of the zakat beneficiaries, the mustahik. The foci of this research are business improvement, income improvement, and life improvement. The primary data of this qualitative descriptive case study was acquired via in-depth interviews, observations, and document studies, and the secondary data was harvested from library research. The subject consists of nine beneficiaries of the program from various business fields. The results of the analysis indicate that the program increased the beneficiaries’ business capacity through business capital aid, training, and managerial and spiritual assistance. Such impact is observable from increases in the beneficiaries’ average income, ability to fulfill basic needs, growing business, and overall improvements in material and non-material life quality. However, most of them are still infaq providers (munfiq) and small charity givers (mushoddiq), who have not entirely transformed into zakat payers (muzakki). This study highlights the importance of optimizing productive zakat management oriented toward sustainability and long-term mentoring to help mustahik transforming into economically independent people. Therefore, management system improvement and monitoring as well as more massive and sustainable strategies are crucial in order to ensure that productive zakat functions as a strategic instrument for poverty eradication and people’s economic empowerment.
The Impact of Macroeconomic Variables on Third-Party Funds in Islamic Banks Surya Saputra; Ajeng Kartika Galuh
Islamic Economics and finance in Focus Vol. 5 No. 2 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2026.05.2.02

Abstract

This study is motivated by the increasing role of Islamic banking in the national financial system and the inconsistent findings of previous studies regarding the determinants of Third-Party Funds (DPK). This study aims to analyze the effect of Gross Domestic Product (GDP), inflation, the BI Rate, and the exchange rate on the amount of Third-Party Funds in Islamic Commercial Banks during the 2016–2024 period. The Covid-19 pandemic is also included as a dummy variable to capture changes in public saving behavior during the crisis period. This study employs a quantitative approach using quarterly time-series secondary data. The data were analyzed using multiple linear regression with the Newey-West estimator through Stata 17 to address autocorrelation problems. The results indicate that GDP, inflation, and the exchange rate have a positive and significant effect on Third-Party Funds, while the BI Rate has a negative and significant effect. Simultaneously, all variables significantly influence Third-Party Funds in Islamic Commercial Banks. These findings imply that macroeconomic stability plays an important role in strengthening fund collection in Islamic banking.
The Influence of the Rumah Gemilang Indonesia Program by LAZ Al Azhar of Depok City on the Economic Independence of its Beneficiaries Novia Fitri Azzahra; Ajeng Kartika Galuh
Islamic Economics and finance in Focus Vol. 5 No. 3 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2026.05.3.03

Abstract

Indonesia’s demographic dividend presents both opportunities and challenges, particularly as high unemployment among the working-age population risks hindering the younger generation’s economic independence; thus, sustainable empowerment strategies through the use of productive zakat are needed. This study aims to analyze the influence of educa-tion and training in the Rumah Gemilang Indonesia (RGI) Program of LAZ Al Azhar in Depok City on the economic independence of alumni. The study employs an associative quantitative approach with a sample of 96 alumni selected via simple random sampling. Data were collected through questionnaires and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results indicate that education and training have a positive and significant effect on economic independence. This suggests that edu-cation and training based on productive zakat contribute to promoting economic inde-pendence. These findings indicate that the utilization of productive zakat through educa-tion and training can serve as an effective empowerment strategy to enhance the economic independence of zakat recipients and strengthen the empowerment programs of zakat in-stitutions.
Co-Authors Abdillah Khairurrijal Agung, Dewawngga Amarta Al Farizi, Muhammad Hafidz Aliifah, Shofi Anggraini, Ika Khusnia Arrayyan, Muhammad Zhary Asfi Manzilati Elisa Fitri Farid Suprayogo, Fajar Febrian, Febby Febriana, Vania Salsabillah Febriani Puspita Mawarni Fiorentina, Risma Fahrella Firnanda Novita Rahmawati Indah Sulistyawati Indah Sulistyawati, Indah Khalid Miftahuda Komalasari, Salsabila Isfa Leviandra Thariq Al Qasthari M. Jaenudin Maharani, Pingkan Ayu Maknunah, Sukma Jauharotul Marlina Ekawaty Minerva Maharani Azzahra Muhammad Wifaqul Azmi MUHAMMAD YUSUF Nabilah, Ulfa Nariswari, Jihan Fashura Ilhami Nindrianto, Nabila Rahma Ningtiyas, Tiara Zumarroh Nisa', Khoirun Novia Damayanti, Mika Novia Fitri Azzahra Nur Sayuta, Rizqi Bhakti Nurdien, Faiz Ghifary Nurul Badriyah Prawatya, Nurrahma Putri, Neysa Adelia Nova Abdullah Putri, Rafa Fahriela Raden, Mochammad Faza Fisilmi Rizqi, Intan Rosita Putri Kirana Safitri, Fajrin Intan Saswita Sianipar, Rica Shofiyyah Az zahra Sri Muljaningsih Sri Muljaningsih Sudjatmiko Sudjatmiko, Sudjatmiko Surya Saputra Sutiyani, Dina Wardani, Dinda Rahmah Wibowo, Dimas Hary Widiyanti, Dwi Retno