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All Journal ETIKONOMI El Dinar Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah Al Tijarah al-Uqud : Journal of Islamic Economics International Journal of Islamic Economics and Finance (IJIEF) Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Journal of Islamic Monetary Economics and Finance International Journal of Zakat (IJAZ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Journal of Strategic and Global Studies Jurnal Ekonomi dan Perbankan Syariah Share: Jurnal Ekonomi dan Keuangan Islam Talaa : Journal of Islamic Finance Ekonomi Islam Indonesia The International Journal of Financial Systems Jurnal Kajian Ekonomi dan Perbankan Syariah

Soleh Nurzaman, Mohamad

Universitas Indonesia

Author-ID : 3155454

Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Social Sciences Other

Published : 21 Documents Claim Missing Document

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Asesmen Kontribusi Keuangan Syariah terhadap Pertumbuhan Ekonomi di Indonesia Santoso, Moh. Herman Eko; Nurzaman, Mohamad Soleh
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 4, No 1 (2020)
Publisher : Universitas Islam Negeri Alauddin Makassar

Islamic finance is one of the most rapidly growing sectors in the financial system in Indonesia. At the same time the Indonesian economy also showed positive growth. The main objective of this research is to assess Islamic finance in Indonesia's economic growth. This paper analyzes empirically the relationship between the development of the Islamic financial system and economic growth in Indonesia. The data used are time series from 2012 to 2019. These data include disbursed Islamic bank financing, the amount of sovereign sukuk issuance and corporate sukuk as independent variables related to proxies for the development of Islamic financial systems and proxies for economic growth as dependent variable. For the analysis, the unit root test, cointegration test and granger causality test were done. The basic analysis used in this research is the Vector Error Correction Model (VECM), and the Granger Causality Test is used to determine the direction of causality. This study also uses the Impulse Response Function and Variance Decomposition to determine the shock of each variable against the other variables. Empirical results show there is a positive relationship between the growth of the Islamic financial sector and economic growth in Indonesia. This is evidence that the Islamic banking system and sukuk can encourage economic growth. Structural analysis on VECM through the analysis of Variance Decomposition obtained from the results of Islamic banks and state sukuk is the dominant variable that contributes to the shock of economic growth. Therefore, in terms of improving the Indonesian economy growth, disbursed Islamic bank financing and sukuk can be considered as an effective financial instrument.Keywords:Â Islamic Finance, Economic Growth, Vector Error Correction Model (VECM)Keuangan syariah adalah salah satu sektor dalam sistem keuangan di IndonesiaÂ yang tumbuh paling cepat. Pada saat yang bersamaan ekonomi Indonesia juga menunjukkan pertumbuhan yang positif. Tujuan utama dari penelitian ini adalah untuk menilai kontribusi keuangan Islam dalam pertumbuhan ekonomi Indonesia. Data yang digunakan adalah time series tahun 2012 hingga 2019. Data tersebut diantaranya pembiayaan bank syariah yang disalurkan, nilai penerbitan sukuk negara dan sukuk korporasi sebagai variabel independen yang mewakili proksi untuk pengembangan sistem keuangan syariah dan proksi pertumbuhan ekonomi sebagai variabel dependen. Untuk analisis, dilakukan uji unit root, uji kointegrasi dan uji kausalitas Granger. Analisis dasar yang digunakan dalam penelitian ini adalah model Vector Error Correction Model (VECM), dan Uji Kausalitas Granger digunakan untuk menentukan arah kausalitas. Penelitian ini juga menggunakan Impulse Response Function dan Variance Decomposition untuk menentukan dampak shock pada masing-masing variabel terhadap variabel yang lain. Hasil empiris menunjukkan bahwa terdapat hubungan positif antara pertumbuhan sektor keuangan syariah dan pertumbuhan ekonomi di Indonesia. Hal ini menjadi bukti bahwa sistem perbankan syariah dan sukuk dapat mendorong pertumbuhan ekonomi. Analisis struktural pada VECM melalui analisis Variance Decomposition diperoleh hasil bahwa pembiayaan bank syariah dan sukuk negara adalah variabel dominan yang berkontribusi terhadap shock pertumbuhan ekonomi. Oleh karena itu, dalam hal meningkatkan pertumbuhan ekonomi Indonesia, pembiayaan yang disalurkan bank syariah dan sukuk dapat dianggap sebagai instrumen keuangan yang efektif.Kata Kunci:Â Keuangan Syariah, Pertumbuhan Ekonomi, Vector Error Correction Model (VECM)

Millennials Behaviour towards Digital Waqf Innovation Wadi, Dudun Anugerah; Nurzaman, Mohamad Soleh
International Journal of Islamic Economics and Finance (IJIEF) Vol 3 (2020): IJIEF Vol 3(SI), Special Issue: Islamic Social Finance and Ethics
Publisher : Universitas Muhammadiyah Yogyakarta

High growth of internet and smartphone users has resulted in the emergence of various digital start-up companies. Those innovation has changed peopleâ€™s habit, one of which is the online donation habit. However, waqf as a form of Islamic endowment has not been much in demand by the public. Todayâ€™s existing digital waqf platform has not succeeded in cultivating waqf in communities, specifically for Millennials which will dominate 70% Indonesiaâ€™s workforce in 2020-2030. This research aims to find Millennials determinants of waqf technology adoption using modified UTAUT2 model. To build respondent perception of waqf and innovation proposed, a short video was used since its rise as marketing tool. This research also examines video marketing effectiveness using EPIC model. Result from data analysis using PLS SEM model shows that Performance Expectancy, Effort Expectancy, and Social Influence are major determinants toward waqf technology acceptance. Video marketing is also found to be very effective as a marketing tool for digital waqf.

The Intention of Indonesian Muslims in Using Islamic Bank Based on Consumer Psychology Perspective Awliya, Hanifah; Nurzaman, Mohamad Soleh
Journal of Strategic and Global Studies Vol. 3, No. 2
Publisher : UI Scholars Hub

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

Islamic banking was born in Indonesia as a solution for the Indonesian Muslims to avoid the practice of interest in banking world. Seeing the number of Muslim which dominates by 82% in Indonesia while funding nominal of Islamic bank is still low when compared to conventional bank, through this research, the author raises the theme consumer psychology to analyze its influence on the intention of Indonesian Muslims to use Islamic bank funding product. Respondents in this research are Indonesian Muslims who are not customer of Islamic bank with a total of 450 respondents. Then the data collected was analyzed using Multiple Linear Regression model. The result shows that motivation, perception, learning, beliefe and attitude partially have an influence on the intention to use Islamic bank funding product, and then motivation, perception, learning, beliefe and attitude simultaneously have a significant influence on the intention to use Islamic bank funding product. The ability of independent variables in explaining dependent variable is equal to 69.7%. The conclusion of this research is in understanding banking consumer behavior, it can not only be seen from an economic perspective, but another perspective that needs to be directly targeted at feelings that will shape the patterns of consumer behavior, namely consumer psychology. Islamic banking must pay attention to consumer policies both in conducting products and in marketing their products. In addition, regulators also need to prioritize consumer psychology in policy making.

INVESTASI PADA GENERASI MILENIAL: FAKTOR YANG MEMPENGARUHI MINAT GENERASI MILENIAL UNTUK BERINVESTASI REKSADANA SYARIAH Aldila Viddy Raihan Rosandya; Mohamad Soleh Nurzaman
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 2 No. 2 (2020): Fair Value : Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

The growing development of Islamic mutual funds makes Islamic capital marketinstruments more varied and more promising for investors who want to investtheir capital in the Islamic capital market. Indonesia's great potential as thelargest Muslim country globally should make Indonesia one of the centers for thedevelopment of the sharia-based financial industry, including the world's capitalmarket. The purpose of this study is to analyze the factors that influence theinterest of investors, especially the millennial generation to invest in Islamic mutual funds, analysis of the significance of the factors that influence investors'interest in investing in Islamic mutual funds and analysis of the relationship thataffects the factors that influence investors' interest in investing. The method usedis quantitative, outer model approach, inner model, and hypothesis testing. Theresults obtained in this study there are two accepted hypotheses, namely theproduct information variable (X1) and Economic Considerations (X4) inhypotheses H1 and H4, which influence investment decisions, and the rejectedvariables in H2 and H3 are Investment Risk (X2) and Consideration ShariaPrinciples (X3) on investment decisions

DEVELOPING FINTECH AND ISLAMIC FINANCE PRODUCTS IN AGRICULTURAL VALUE CHAIN R. Gratiyana Ningrat; Mohamad Soleh Nurzaman
Journal of Islamic Monetary Economics and Finance Vol 5 No 3 (2019)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v5i3.1077

To meet the global population needs, it is projected to at least eighty billion dollars in investment per year to support the food security until 2050. It is widely known that the agriculture financing growth has stalled due to many reasons. Islamic finance has potential to spur the growth of agriculture financing to promote global food security. Meanwhile, agriculture in Indonesia is still nowhere to its potential. It is hindered by an inefficient and underdeveloped downstream segment, low access to financial and technology. This is a huge opportunity for Islamic finance in helping to bridge the gap through value chain finance approach as one of the strategies to reduce risk and give socio-economic spill-over effect along the chain. Islamic finance can promote agricultures sustainability and a more efficient process with FinTech enabled platform. The multiple case study proposes a sharia compliant community-based financing model in agricultural value chain practice with FinTech enabled platform. The result is this model integrating all actors from different market segmentation (landowners, suppliers, farmers, brokers, retailers, investor) into an Islamic value chain financing platform. However, determining buying intention, partnership establishment, and technology infrastructure are pivotal for its future implementation.

How Efficient are Islamic Banks in Indonesia, Saudi Arabia, and the United Kingdom? Suhail Suhail; Mohamad Soleh Nurzaman
ETIKONOMI Vol 19, No 2 (2020)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v19i2.15862

This research aims to analyze the efficiency level of 13 Islamic Banks in Indonesia, Saudi Arabia, and the United Kingdom from 2015 to 2019. The calculation of the efficiency level in this study is relative, not absolute. This study uses the Data Envelopment Analysis (DEA) method and source data from Bankscope and Bank Focus. This research consists of 3 input variables that are Total of Assets (X1), Staff Expenses (X2) and Total Deposit (X3), and 2 Output that is Income (Y1) and Loan (Y2). This research finds that the overall efficiency level of 13 Islamic banks in Indonesia, Saudi Arabia, and the United Kingdom are fluctuating. According to the result, the Islamic banks in Saudi Arabia is more efficient than in Indonesia and the United Kingdom. There are some inefficient variables—the solution for this inefficiency problem achieve by employing managerial simulation generated by DEA. This study implies that Islamic banks should reduce wasteful variables and optimize the variables that improve the efficiency.JEL Classification: C1, F30, G20, G21How to Cite:Suhail., & Nurzaman, M. S. (2020). How Efficient are Islamic Banks in Indonesia, Saudi Arabia, and the United Kingdom?. Etikonomi: Jurnal Ekonomi, 19(2), 237-270. https://doi.org/10.15408/etk.v19i2.15862.

How’s Prospect of Digital Banking in Indonesia? Notes From Islamic Views, Economic Value Added for Banking Industry, and Changing Costumer Behavior Myrna Anggarani; Mohamad Soleh Nurzaman
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 12, No 1 (2020)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v1i1.6411

This study aims describe prospects of digital banking in Indonesia. Digital banking has prospect of being able to increase value added for banks, and also change consumer behavior. Moreover, this study also explain how Islamic views to technological developments, especially the use of digital banking for customer’s financial needs. The development of digital banking is important for banking industry. Digital banking has emerged to make transaction easier for customers and to get access to various financial information. This study uses descriptive qualitative analytic methods. Data collection uses documents in the form of literature which related to the theme of the study.

An Evaluation of Zakat Productive Program in the Pandemic Nadia Putri; Mohamad Soleh Nurzaman
Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 2 (2021): Journal of Islamic Economics and Banking
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v9i2.276

Having the access of technology and information are some of the requirements needed to live in the middle of pandemic. On the other side, poverty is one of the main challenges that Islamic countries like Indonesia has to encounter. Because of the same reason, not everyone able to have the privilege to access nor master technology and information. However Islam offers the solution in the form of zakat to distribute the wealth and minimizing the gap of one’s economy and social status. This paper attempts to evaluate Sekolah Menengah Kejuruan Informatika Utama, program founded by Yayasan Baitul Maal PLN towards their students and alumni economy and social status. Using Social Return on Investment, this paper aims to provide a different perspective of zakat distribution run by Perusahaan Listrik Negara as Indonesia’s Public Company. The result then shows that SROI provides a financial measure of this value, that for every Rp.1 spent on SMKI Utama there is social value of Rp. 2.25 created over 1 year period.

Evaluation of the Productive Zakat Program of BAZNAS: A Case Study from Western Indonesia Mohamad Soleh Nurzaman; Ninik Annisa; Ridho Gusti Hendharto; Khairunnajah ,; Noviyanti ,
International Journal of Zakat Vol 2 No 1 (2017)
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

This paper aims to measure the impact of zakat distribution program implemented by Indonesia’s National Zakat Board (BAZNAS). The study intended to accurately assess the impact of the program for a potential extension to other zakat institutions. The studyadopted theCIBEST model developed by Beik and Arsyianti (2015), a quadrant model that combines the fulfillment of human needs that are both material and spiritual. The CIBEST consists of well-being index, material poverty index, spiritual poverty index, and absolute poverty index. The study has found that fund distribution by BAZNAS through the productive zakat program is quite effective in improving the welfare index of mustahik households in both material and spiritual aspects. Keywords: CIBEST model, Mustahik, Productive Zakat

APPLICATION OF BLOCKCHAIN AND SMART-CONTRACT ON WAQF ASSET MANAGEMENT: IS IT NECESSARY? Agus Setiawan; Mohamad Soleh Nurzaman
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 10, No 2 (2022): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v10i2.15529

Waqf assets are assets that can be utilized for the benefit of the people. Currently, there are many waqf asset management using internet-based Waqf Information Systems. However, the database used by the system is generally centralized, so it is prone to data manipulation. Each waqf entity has its data, causing data differences between waqf entities. This study aims to provide the concept of waqf asset management using Blockchain technology and Smart Contracts. The method is a qualitative analysis method with secondary data from various kinds of literature, study journals, and reports published by the government and related agencies. This study concludes that the concept of waqf asset management based on Blockchain technology and Smart contracts can facilitate the management of waqf assets, both movable and immovable assets. In addition, it can increase data transparency between nadzhir, wakif, and waqf regulators and minimize data manipulation. The role of regulators such as the Ministry of Religion, BWI, and BI is needed to create regulations that support the implementation of waqf management based on Blockchain technology and Smart Contract.

Co-Authors Agus Setiawan Aldila Viddy Raihan Rosandya Alfian Alfian Alfian, Annisa Maulidia Awliya, Hanifah Elvira Herdiani Fitriansyah, Rahmat Hidayah, Toyyib Khairunnajah , Marsella Marsella Marsella, Marsella Moh. Herman Eko Santoso Myrna Anggarani Nadia Putri Ninik Annisa Noviyanti , R. Gratiyana Ningrat Ridho Gusti Hendharto Saiful Anwar Santoso, Moh. Herman Eko Suhail Suhail Surbakti Mhd Handika Surbakti, Mhd Handika Wadi, Dudun Anugerah

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