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All Journal Ahkam: Jurnal Ilmu Syariah Signifikan : Jurnal Ilmu Ekonomi ETIKONOMI JURNAL ECONOMIA Jurnal Keuangan dan Perbankan Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) IJTIHAD Jurnal Wacana Hukum Islam dan Kemanusiaan At-Taradhi: Jurnal Studi Ekonomi YUDISIA : Jurnal Pemikiran Hukum dan Hukum Islam Jurnal Cita Hukum Jurnal Ilmiah Ekonomi Islam Liquidity: Jurnal Riset Akuntansi dan Manajemen Jurnal Ilmiah Wahana Akuntansi Jurnal Ekonomi & Keuangan Islam JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) ALQALAM Jurnal Hukum Ekonomi Syariah Misykat: Jurnal Ilmu-ilmu Al-QurÆan, Hadist, Syariah dan Tarbiyah Jurnal Hukum Ekonomi Syariah Jurnal Ilmiah Manajemen Kesatuan MALIA: Journal of Islamic Banking and Finance JES (Jurnal Ekonomi Syariah El-Qist : Journal of Islamic Economics and Business (JIEB) JOURNAL of LEGAL RESEARCH AL-MULTAZIM : Jurnal Manajemen Bisnis Syariah Al-MIKRAJ: Jurnal studi Islam dan Humaniora EKONOMIKA SYARIAH : Journal of Economic Studies MILRev: Metro Islamic Law Review Al-Infaq : Jurnal Ekonomi Islam Mizan: Journal of Islamic Law
Muhamad Nadratuzzaman Hosen
UIN Syarif Hidayatullah Jakarta
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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ANALISIS PELAKSANAAN KREDIT USAHA RAKYAT (KUR) PADA BANK SYARIAH MANDIRI KANTOR CABANG PEMBANTU NUSANTARA DEPOK Hosen, Muhamad Nadratuzzaman
Al-Infaq: Jurnal Ekonomi Islam Vol. 4 No. 2 (2013)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

Permasalahan yang umum terjadi pada Unit Usaha Mikro Kecil dan Menengah yaitu terbatasnya modal untuk mengembangkan usahanya. UMKM pun sulit untuk mendapatkan fasilitas pinjaman dana dari perbankan karena tidak mampunya UMKM untuk memenuhi persyaratan-persyaratan yang dibebankan oleh perbankan. Salah satu usaha pemerintah dalam hal tersebut yaitu dengan adanya program Kredit Usaha Rakyat (KUR). Dalam penelitian ini akan dibahas pelaksanaan KUR pada Bank Syariah Mandiri KCP Nusantara Depok. Hasil penelitian diketahui bahwa karakteristik penerima KUR BSM Depok yaitu 57, 5% laki-laki, 77% pedagang, 51% lulusan SLTA, dan 67% berpenghasilan di atas Rp 2 juta per bulan. Selanjutnya diketahui pula faktor-faktor penerimaan masyarakat terhadap KUR Bank Syariah Mandiri yang diasumsikan kedalam lima variabel, yaitu informasi prosedur KUR, persepsi masyarakat terhadap KUR, biaya transaksi, pemahaman nilai KUR dan pemahaman nilai Syariah.
PERAN WANITA DALAM UPAYA PENINGKATAN PENDAPATAN RUMAH TANGGA MELALUI PEMBIAYAAN BMT Rahmah, Nur Octoviyana; Hosen, Muhamad Nadratuzzaman
Al-Infaq: Jurnal Ekonomi Islam Vol. 5 No. 1 (2014)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

Wanita sebagai istri memiliki potensi untuk meningkatkan pendapatan rumah tangganya dengan memanfaatkan pembiayaan yang diberikan dari BMT, para wanita mencoba untuk meningkatkan pendapatan rumah tangga guna memenuhi kebutuhan sehari-hari. Penelitian ini mencoba menganalisis peran wanita dalam meningkatkan pendapatan rumah tangga dengan pembiayaan yang diberikan dari BMT. Peran wanita dalam meningkatkan pendapatan rumah tangga akan dianalisis secara kualitatif, analisis kuantitatif dari regresi linier berganda dilakukan untuk menganalisis jumlah faktor-faktor yang berpengaruh padaperan wanita dalam meningkatkan pendapatan rumah tangga. Hasil analisis menunjukkan 76,67% responden memiliki peran lebih dari 30% dalam pendapatan rumah tangga, mereka menggunakan pendapatan untuk memenuhi kebutuhan sehari-hari, dan mereka dapat beraktifitas secara produktif tanpa meninggalkan aktifitas reproduksi mereka.
MEKANISME PELAKSANAAN PASAR KARANG PENANG SAMPANG DITINJAU DARI EKONOMI SYARIAH Hosen, Muhamad Nadratuzzaman; Harisah, Harisah
JURNAL ILMU SYARIAH Vol 10 No 1 (2022): JUNI
Publisher : IBN KHALDUN BOGOR

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/mizan.v10i1.20336

Abstract

Pasar yang menjadi sarana peningkatan ekonomi masyarakat merupakan tempat bertemunya antara penjual dan pembeli dan melakukan transaksi barang atau jasa-jasa. Pasar merupakan sebuah mekanisme pertukaran barang dan jasa yang alamiah dan telah berlangsung sejak awal peradaban manusia. Dalam Islam pasar sangatlah penting dalam perekonomian. Dalam penelitian ini peneliti menggunakan metode penelitian kualitatif yaitu penelitian yang bermaksud untuk meneliti fenomena yang dialami oleh subyek dengan jenis penelitian field research atau penelitian lapangan. Sumber data diperoleh melalui wawancara, observasi dan dokumentasi. Untuk informannya adalah masyarakat Karang Penang Sampang mulai dari penjual, pembeli, pemasok barang atau penjaga pasar. Hasil penelitian menunjukkan bahwa bahwa pelaksaan mekanisme pasar di pasar karang Penang Sampang berjalan secara alamiah, baik dalam pengadaan barang ataupun dalam penentuan harga. Adapun pandangan ekonomi syariah terhadap pelaksaan transaksi di pasar karang Penang telah sesuai dengan prinsip ekonomi syariah. Kesesuaian ini karenamekanisme pasar berjalan secara alamiah dengan konsep tradisional tanpa campur tangan pemerintah.
Consolidation Strategies for Enhancing Stability of Indonesian Islamic Regional Banks: Merger versus Joint Business Groups Permanasari, Anita; Al Arif, M. Nur Rianto; Hosen, Muhamad Nadratuzzaman; Warninda, Titi Dewi
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 1 (2026): JIMKES Edisi January 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i1.4494

Abstract

A strategic option to accelerate core capital fulfilment and the conversion of sharia business units into full-fledged sharia commercial banks is consolidation through mergers and joint business groups. This approach is particularly relevant for sharia business units under regional development banks that occupy the defensive quadrant in terms of competitiveness and financial performance. This study develops an empirical model to evaluate the influence of internal and external factors on the stability of UUS BPD and to simulate potential resilience gains post-consolidation. Using panel data from 12 UUS BPD between Q1 2012 and Q4 2022, the research applies cluster analysis, the fixed effect model, the analytic hierarchy process, and merger simulation. Results reveal that consolidation supported by profitability, asset growth, and sound risk management significantly improves financial stability. Merger simulations yield Z-scores of 1.1–2.6, indicating moderate stability, while the joint business groups simulation with BJB Syariah shows steady improvement from baseline. Consolidation serves not only as a growth strategy but also as a survival mechanism for Sharia Business Units BPDs facing regulatory and structural challenges, with both merger and Joint Business Groups options classified as moderately prospective for post-consolidation sustainability.
Assessment of Islamic Bank Soundness: Analysis Using CAMELS, RGEC and ALTMAN Z Score Methods Shabri, Husni; Hosen, Muhamad Nadratuzzaman
MALIA: Journal of Islamic Banking and Finance Vol 7, No 1 (2023): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v7i1.16896

Abstract

The purpose of this study is to analyze the soundness level of PT BCA Syariah. This study is descriptive research with a quantitative approach.The paper used data on the annual financial statements of PT BCA Syariah for the period 2017 - 2021. The analysis using CAMELS, RGEC and Altman Z-Score methods. The results show that overall PT BCA Syariah in the 2017-2021 period was at the Health level in the CAMELS, RGEC and Altman Z-Score assessment methods. The highest health and health condition of PT BCA Syariah during the Covid-19 pandemic is a management effort in carrying out appropriate, focused and planned strategies and risk mitigation. The three analytical methods show the same results so that they can be used as a reference for assessing the health of other Islamic banks
Measuring Contemporary Islamic Banking Sustainability: Integrating ESG and Maqashid al-Syarī‘ah in Indonesia Edian Fahmy; Muhamad Nadratuzzaman Hosen; Titi Dewi Warninda; Ali Rama; Qeis Aimar
MILRev: Metro Islamic Law Review Vol. 5 No. 1 (2026): MilRev: Metro Islamic Law Review
Publisher : Faculty of Sharia, UIN Jurai Siwo Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/milrev.v5i1.12880

Abstract

The measurement of sustainability in Islamic banking in Indonesia remains largely dominated by conventional Environmental, Social, and Governance (ESG) frameworks, which tend to emphasize formal compliance and value-neutral indicators. Such approaches have not fully captured the ethical and normative dimensions embedded in Islamic finance. This study aims to formulate a comprehensive model for measuring the sustainability of contemporary Islamic banking by integrating ESG principles with Islamic value-based sustainability indices, namely the Islamic Corporate Sustainability Practices Index (ICSPI), Islamic Banking Sustainability Performance Index (IBSPI), and Maqāṣid Sharī‘ah Index (MSI). This research employs a mixed-methods approach. The Analytic Network Process (ANP) is utilized to identify and prioritize the most relevant sharia-based sustainability index based on stakeholder perspectives. Furthermore, Structural Equation Modeling–Partial Least Squares (SEM-PLS) is applied to examine the impact of ESG integration and Sharia sustainability models on the financial performance of Islamic banks, as proxied by Return on Assets (ROA) and Return on Equity (ROE). The findings reveal that integrating ESG with a maqāṣid al-sharī‘ah-based sustainability index provides a more holistic and substantive framework for assessing sustainability in Islamic banking. This integrated model not only enhances measurement accuracy but also aligns financial performance with ethical and social objectives rooted in Islamic principles. This study contributes to the advancement of contemporary Islamic economic law by offering a conceptual framework that bridges conventional sustainability metrics with Islamic normative values. Additionally, it provides practical implications for policymakers and industry practitioners in developing more robust, value-oriented sustainability standards within the Islamic banking sector.
Co-Authors Abdul Wahab Abdul Wahab Abdul Wahab Acsa, Fadilla Ungaro Agung Maulana Ahmad Afif Ahmad Rodoni Al Arif, Muhammad Nur Rianto Ali Rama Andar Zulkarnain Hutagalung Ashuri, Reni Kristiana Chajar Matari Fath Mala Chajar Matari Fath Mala Deden Misbahudin Muayyad Diah Larasati Diah Larasati Diah Larasati, Diah Dian Aura Lina Djauhari, Haikal Dwi Nur’aini Ihsan Edian Fahmy Euis Amalia Fadilla Ungaro Acsa Ferry Jie Fitria Mustapa Hafid Asy’ari Harisah Harisah Harisah, Harisah HUSNI SHABRI Irianti, Dwi Kevin Costner Kardius Mas Arif Mohammad Nur Rianto Al Arif Muchtar, Masruri Muhamad Nasrulloh Muhammad Amin Suma Muhammad Fudhail Rahman Muhammad Khairman Muhammad Zaid Farhand Mutiara, Tira Nasimul Falah Nur Azlina Nur Hidayah Nur Hidayah Nur Hidayah Nur Hidayah Nur Octoviyana Rahmah Permanasari, Anita Qeis Aimar Qizam, Ibnu Rahma Dwi Saputri Rahmah, Nur Octoviyana Rahmat Hidayat Rembulan Rahmadia Fitri Reni Kristiana Ashuri Salmarani Salsabila Shofaun Nada Siti Aisyah Syafaat Muhari Syafaat Muhari Syafaat Muhari Syahrir, Dimas Kenn Tb. Hafizh Sulthon Alshazmy Tira Mutiara Tira Mutiara Titi Dewi Warninda Titi Dewi Warninda Umiyati Wahyudi, Ickhsanto