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Analisis Faktor-Faktor yang Mempengaruhi Tingkat Bagi Hasil Simpanan Mudharabah pada Bank Umum Syariah Indonesia Studi Kasus pada Bank Umum Syariah di Indonesia Periode 2011-2015 Lydia Rahmadhini Arfiani; Ade Sofyan Mulazid
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 4 No. 1 (2017)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v4i1.1132

This study aims to determine Analysis of Factors Affecting Level Sharing Mudharabah Savings On Islamic Banks partially or simultaneously on Bank Syariah period 2011-2015. The population in this study is the Islamic Banks operating in Indonesia 2011-2015. This study using purposive sampling method with variable FDR, NPF and inflation at the level of the results. After being selected, the target population amounted to 7 banks, among the BCA Syariah, BNI Syariah, BRI Syariah Bukopin Syariah Mandiri Syariah Muamalat, Panin Syariah. The analytical method used is the panel data regression. The model chosen is the Fixed Effects Model, then tested by t test and f with a significance level of 5%. Based on the test f note that in this study the variable financing to deposits ratio and non-performing financing and inflation simultaneously affect the level of revenue sharing sharia banks. Based on t test is known that in partial financing to deposits ratio, non-performing financning which have an influence on the level of revenue sharing sharia banks. Adjust R2 in this study indicate that all independent variables contributing as much as 51% on the dependent variable. The remaining 49% is influenced by other variables that do not exist in this study such as CAR, interest rate, economic growth.

PERAN STRATEGIS KEMENTERIAN SOSIAL BAGI PENGUATAN PROGRAM BANTUAN PANGAN NON-TUNAI PASCA COVID-19 Fatmawati Fatmawati; Ade Sofyan Mulazid
EMPATI: Jurnal Ilmu Kesejahteraan Sosial Vol 13, No 1 (2024): Empati Edisi Juni 2024
Publisher : Social Welfare Study Program

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/empati.v13i1.38166

Abstract. This research aims to evaluate the implementation of the post-COVID-19 non-cash food assistance (BPNT) policy and analyze whether the distribution process carried out by the Ministry of Social Affairs is running according to procedures. Apart from that, the inhibiting and supporting factors for the BPNT distribution process were also analyzed. This research uses qualitative descriptive. Research informants consisted of bureaucrats, policy makers and beneficiary communities. The research results show that the government through the Ministry of Social Affairs has a strategic role in dealing with social problems, including the family hope program, financial support, direct financial support to village treasuries, social support to fulfil basic needs in the Jabodetabek area, pre-employment cards, basic food cards, and electricity subsidies. Policy implementers fail to comply with policy standards and objectives by intentionally violating procedures that benefit certain individuals for personal gain. The obstacles to this program are that policy implementation does not run smoothly, because several names of beneficiaries are not included in the Integrated Social Welfare Data (DTKS), incorrect redistribution of benefits, and inappropriate benefits and use of aid. funds are inaccurate. not used to buy necessities. This program is supported by strict monitoring and evaluation by the government so that it can minimize problems in the beneficiary communities. The theoretical implications of this research will contribute to the development of literature to examine the strategic role of the Ministry of Social Affairs and the implementation of the BPNT program to explain preventive and supportive factors after COVID-19. In practice, it can also provide consideration to the Ministry of Social Affairs, especially the Director General of Social Protection and Security when preparing a strategy for implementing the BPNT program.Keywords: Strategic Role, Food Assistance, Economic Recovery, COVID-19 Pandemic. Abstrak. Penelitian ini bertujuan untuk mengevaluasi implementasi kebijakan bantuan pangan non-tunai (BPNT) pasca COVID-19 dan menganalisis proses penyaluran yang dilakukan Kementerian Sosial apakah berjalan sesuai prosedur. Selain itu juga dianalisis faktor penghambat dan pendukung proses penyaluran BPNT. Penelitian ini, menggunakan deskriptif kualitatif. Informan penelitian ini terdiri dari birokrat, pengambil kebijakan, dan masyarakat penerima manfaat. Hasil penelitian menunjukkan bahwa pemerintah melalui Kementerian Sosial mempunyai peran strategis dalam menangani permasalahan sosial antara lain program keluarga harapan, dukungan dana, dukungan keuangan langsung ke kas desa, dukungan sosial pemenuhan kebutuhan dasar di wilayah Jabodetabek, kartu prakerja, kartu sembako, dan subsidi listrik. Pelaksana kebijakan gagal mematuhi standar dan tujuan kebijakan dengan sengaja melanggar prosedur yang menguntungkan individu tertentu demi keuntungan pribadi. Hambatan program ini adalah implementasi kebijakan tidak berjalan lancar, karena beberapa nama penerima manfaat tidak terdapat dalam Data Terpadu Kesejahteraan Sosial (DTKS), redistribusi manfaat yang tidak tepat, dan manfaat serta penggunaan bantuan yang tidak tepat. dana tidak akurat. tidak digunakan membeli kebutuhan pokok. Program tersebut didukung dengan monitoring dan evaluasi yang ketat oleh pemerintah sehingga dapat meminimalisir permasalahan masyarakat penerima manfaat. Implikasi penelitian ini secara teoritis akan memberikan kontribusi terhadap pengembangan literatur untuk mengkaji peran strategis Kementerian Sosial dan pelaksanaan program BPNT untuk menjelaskan faktor preventif dan supportif pasca COVID-19. Dalam praktiknya juga bisa memberikan pertimbangan kepada Kementerian Sosial, khususnya Dirjen Perlindungan dan Jaminan Sosial ketika menyiapkan strategi implementasi program BPNT.Kata Kunci: Peran Strategis, Bantuan Pangan, Pemulihan Ekonomi, Pandemi COVID-19.

THE EFFECT OF DISTRIBUTION FUNDS OF ZAKAT INFAQ SHADAQAH, SOCIAL ASSISTANCE EXPENDITURE, AND SUBSIDY EXPENDITURE ON POVERTY IN INDONESIA Mulazid, Ade Sofyan; Mufliha, Nurul Mudhiatil
I-Economics Vol 5 No 1 (2019): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/https://doi.org/10.19109/ieconomics.v5i1.3689

This study aims to analyze the effect of the distribution funds of Zakat Infaq Shadaqah (ZIS), social assistance expenditure and subsidy expenditure on poverty in Indonesia 2013-2017 period. The sample from this study consisted of ZIS data obtained at the National Alms Agency (known as BAZNAS). Then social assistance expenditure and subsidy expenditure and the latest poverty data obtained at the Central Statistics Agency (BPS). In this research, the method used multiple linear regression analysis by testing classical assumptions. The results of this study are according to the results of the F test that the three independent variables (ZIS, social assistance expenditure and subsidy expenditure) have a simultaneous effect on the dependent variable (poverty) by having a significance value of 0,000, which means less than 0.05.Furthermore, it is supported by the results of the T-test that the three independent variables partially have a significant effect on the dependent variable, with a significance value in the ZIS variable was 0,000. Then, social assistance expenditure was 0.025. The last, subsidy expenditure was 0,000. It means lower than 0.05

THE EFFECT OF MULIA, AR-RUM, SHARIA-COMPLIANT BANK OF INDONESIA’S CERTIFICATE, INFLATION AND BI RATE ON SHARIA PAWNSHOP’S INCOME IN INDONESIA Mulazid, Ade Sofyan; Astriana, Nina
I-Economics Vol 5 No 2 (2019): I-ECONOMICS
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/https://doi.org/10.19109/ieconomics.v5i2.5000

This research aimed to analyze the effect of Mulia, Ar-Rum, Sharia-compliant Bank of Indonesia (sharia-compliant Bank of Indonesia)’s Certificate, Inflation and BI Rate on sharia pawnshop’s income in Indonesia during 2015-2017. Case study being the object of research was PT. Pegadaian (Persero). Secondary data derived from annual report published by Pegadaian (thereafter called Pawnshop). This study employed a multiple regression analysis method. The result of research showed that (1) Mulia financing affected significantly the income of Sharia pawnshop (thereafter, called Sharia pawnshop), (2) Ar-Rum Financing did not affect significantly the income of Sharia Pawnshop, (3) Sharia-compliant Bank of Indonesia’s Certificate did not affect significantly the income of Sharia pawnshop, and (4) inflation affected significantly the income of Sharia pawnshop and BI Rate affected Sharia pawnshop’s income significantly

The Effect Of Marketing Mix, Brand Image and Service Quality On Customer Loyalty In Bank BNI Syariah Ligar Fadilah; Ade Sofyan Mulazid; yunia silvia sesunan
International Journal of Islamic Business and Economics (IJIBEC) Vol 2 No 2 (2018): Volume 2 Nomor 2 Tahun 2018
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v2i2.1370

Theobjectiveofresearchwas to findouttheeffectof marketing mix, brand image, and service quality on customer loyalty in Fatmawati Branch of Bank BNI Syariah. Data employed in this research was primary one; data collection was carried out using questionnaire distributed directly with random sampling method; the object of research was customers of Bank BNI Syariah. This research was expected to contribute to the bank, particularly Fatmawati Branch of Bank BNI Syariah, in order to give good service to their customers. The result of research showed that marketing mix, brand image, and service quality affected positively and significantly the customer loyalty in Fatmawati Branch of Bank BNI Syariah either partially or simultaneously.

Impact of Covid-19 Pandemic on Ministry of Religious Affairs Policy in Entrepreneurial Development of Pondok Pesantren Fatmawati, Fatmawati; Mulazid, Ade Sofyan
Madania: Jurnal Kajian Keislaman Vol 25, No 2 (2021): DECEMBER
Publisher : Universitas Islam Negeri (UIN) Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/madania.v25i2.5052

This study aims to analyze the impact of the Covid-19 pandemic on the Ministry of Religious Affairs policies in the development of entrepreneurial pondok pesantren (Islamic boarding schools). This research method, using a qualitative descriptive approach. The primary data source comes from interviews and activity reports obtained directly from the office of the Directorate of Diniyah Education and Pondok Pesantren of the Ministry of Religious Affairs and other relevant documentation. Data analysis techniques using descriptive qualitative analysis, intended to find out the social reality of the Ministry of Religious Affairs as policymakers of entrepreneurial pondok pesantren assistance programs affected by the Covid-19 pandemic that was constructed by the mass media through advertising creators and newsmakers. The results showed that the Covid-19 pandemic also affected the economic life of pesantren huts, so policies and strategic measures were needed in developing vocational life skill education programs designed to support the sustainable progress of pesantren business units. The entrepreneurial and vocational lifeskill pondok pesantren movement initiated by the Ministry of Religious Affairs in collaboration with Bank Indonesia has broader implications on aspects of the reach of ummah economic empowerment and pesantren economic independence improving the welfare of the surrounding community. Penelitian ini bertujuan untuk menganalisis dampak pandemi Covid-19 terhadap kebijakan Kementerian Agama dalam pengembangan entrepreneurial pondok pesantren. Metode penelitian ini menggunakan pendekatan kualitatif deskriptif. Sumber data primer berasal dari wawancara dan laporan kegiatan yang diperoleh langsung dari kantor Direktorat Pendidikan Diniyah dan Pondok Pesantren Kementerian Agama, serta dokumentasi lainnya yang relevan. Tehnik analisis data menggunakan analisis kualitatif deskriptif, dimaksudkan untuk mengetahui realitas sosial Kementerian Agama sebagai pengambil kebijakan program bantuan entrepreneurial pondok pesantren terdampak akibat pandemi Covid-19 yang dikonstruk media massa melalui pencipta iklan dan pembuat berita. Hasil penelitian menunjukan bahwa pandemi Covid-19 ikut berpengaruh pada kehidupan ekonomi pondok pesantren, sehingga diperlukan kebijakan dan langkah-langkah strategis dalam megembangkan program pendidikan lifeskill vokasional pondok pesantren yang dirancang untuk mendukung kemajuan unit bisnis pesantren secara berkelanjutan. Gerakan entrepreneurial dan pendidikan lifeskill vokasional pondok pesantren yang digagas Kementerian Agama bekerjasama dengan Bank Indonesia ini, memiliki implikasi yang lebih luas pada aspek jangkauan pemberdayaan ekonomi umat dan kemandirian ekonomi pesantren, serta peningkatan kesejahteraan masyarakat sekitar.

Finding Customer Satisfaction and Loyalty Factors in Islamic Bank Digital Users Mulazid, Ade Sofyan; Fatmawati, Fatmawati
Maliki Islamic Economics Journal Vol 3, No 1 (2023): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v3i1.21240

The study aims to investigate the influence of brand image, service quality, and trust on customer satisfaction and loyalty of Islamic bank digital users. This study uses primary data by distributing questionnaires to customers who have used Islamic bank digital applications. The research sample amounted to 100 respondents and used the purposive sample method. The method used in this study is Partial Least Square (PLS) using SmartPLS 3.0 data analysis tool. The results showed that brand image, service quality, and trust affect satisfaction. Brand image and service quality do not affect loyalty. Satisfaction affects loyalty. Brand image, service quality, and trust affect loyalty through customer satisfaction. This research provides a theoretical contribution to literature development as a pioneering effort to investigate the influence of brand image, service quality, and trust on customer satisfaction and loyalty of Islamic bank digital users. Managerial implications, Islamic banking seeks to develop facilities to improve customer service efficiency by implementing brand image, service quality and trust, thereby increasing customer satisfaction and loyalty.

Sociopolitical identity, religiosity, and motivation toward intention in Islamic banking: a behavioral reasoning theory extension Fathoni, Muhammad Anwar; Rodoni, Ahmad; Al-Arif, Mohammad Nur Rianto; Hidayah, Nur; Mulazid, Ade Sofyan
IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Vol 14 No 1 (2025): IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita - June
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/iqtishaduna.v14i1.2438

Purpose – This research analyses the factors influencing Indonesia's largest Muslim communities' intention to utilize Islamic banking services. Method – Employing a quantitative methodology, this study targeted members of Nahdlatul Ulama (NU) and Muhammadiyah as the population. The sample consisted of 343 respondents, determined using Hair theory and selected through purposive sampling. Data was collected through a structured questionnaire and analyzed using structural equation modeling (SEM) to evaluate measurement and structural models. Findings – The findings reveal that normative beliefs significantly shape subjective norms and influence individuals' intentions to engage with Islamic banking services. Additionally, religiosity positively affects attitudes toward these services, reinforcing existing literature linking religious values to financial decision-making. Implications – Theoretically, this study implies the development of behavioral reasoning theory in Islamic finance. Practically, this study provides valuable insights into marketing strategies promoting financial inclusion among diverse religious communities.

Sharia Compliance and Islamic Digital Banking: Empowering SMEs in Indonesia Supriyono, Supriyono; Terminanto, Ade Ananto; Mulazid, Ade Sofyan; Suherlan, Ade
International Journal of Islamic Business and Economics (IJIBEC) Vol 8 No 2 (2024): Volume 8 Nomor 2 Tahun 2024
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v8i2.8724

This study investigates how Sharia compliance and trust shape SMEs' adoption behavior using an extended Unified Theory of Acceptance and Use of Technology (UTAUT 3) framework. The rapid digital transformation of the banking sector necessitates deeper insights into the factors driving the adoption of Islamic digital banking, particularly among Small and Medium Enterprises (SMEs) in Indonesia. Through a quantitative approach employing an online survey of 129 SME respondents, data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Findings reveal that Sharia compliance significantly influences actual usage but does not moderate the relationship between behavioral intention and adoption. Trust and personal innovation emerge as key determinants of SMEs' adoption, while facilitating conditions, hedonic motivation, and price value demonstrate negligible effects. These insights underscore the necessity for Islamic banks to effectively integrate Sharia principles into their digital banking services to foster greater trust and engagement among SMEs. This study contributes to the literature by expanding the UTAUT 3 framework within Islamic finance and digital banking contexts, offering practical recommendations for Islamic financial institutions to enhance service accessibility and customer trust. Future research should examine longitudinal trends and explore a broader demographic and institutional spectrum to validate these findings and assess the evolving landscape of Islamic digital banking.

PERAN STRATEGIS KEMENTERIAN SOSIAL BAGI PENGUATAN PROGRAM BANTUAN PANGAN NON-TUNAI PASCA COVID-19 Fatmawati, Fatmawati; Mulazid, Ade Sofyan
EMPATI: Jurnal Ilmu Kesejahteraan Sosial Vol. 13 No. 1 (2024): Empati Edisi Juni 2024
Publisher : Social Welfare Study Program

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/empati.v13i1.38166

Abstract. This research aims to evaluate the implementation of the post-COVID-19 non-cash food assistance (BPNT) policy and analyze whether the distribution process carried out by the Ministry of Social Affairs is running according to procedures. Apart from that, the inhibiting and supporting factors for the BPNT distribution process were also analyzed. This research uses qualitative descriptive. Research informants consisted of bureaucrats, policy makers and beneficiary communities. The research results show that the government through the Ministry of Social Affairs has a strategic role in dealing with social problems, including the family hope program, financial support, direct financial support to village treasuries, social support to fulfil basic needs in the Jabodetabek area, pre-employment cards, basic food cards, and electricity subsidies. Policy implementers fail to comply with policy standards and objectives by intentionally violating procedures that benefit certain individuals for personal gain. The obstacles to this program are that policy implementation does not run smoothly, because several names of beneficiaries are not included in the Integrated Social Welfare Data (DTKS), incorrect redistribution of benefits, and inappropriate benefits and use of aid. funds are inaccurate. not used to buy necessities. This program is supported by strict monitoring and evaluation by the government so that it can minimize problems in the beneficiary communities. The theoretical implications of this research will contribute to the development of literature to examine the strategic role of the Ministry of Social Affairs and the implementation of the BPNT program to explain preventive and supportive factors after COVID-19. In practice, it can also provide consideration to the Ministry of Social Affairs, especially the Director General of Social Protection and Security when preparing a strategy for implementing the BPNT program.Keywords: Strategic Role, Food Assistance, Economic Recovery, COVID-19 Pandemic. Abstrak. Penelitian ini bertujuan untuk mengevaluasi implementasi kebijakan bantuan pangan non-tunai (BPNT) pasca COVID-19 dan menganalisis proses penyaluran yang dilakukan Kementerian Sosial apakah berjalan sesuai prosedur. Selain itu juga dianalisis faktor penghambat dan pendukung proses penyaluran BPNT. Penelitian ini, menggunakan deskriptif kualitatif. Informan penelitian ini terdiri dari birokrat, pengambil kebijakan, dan masyarakat penerima manfaat. Hasil penelitian menunjukkan bahwa pemerintah melalui Kementerian Sosial mempunyai peran strategis dalam menangani permasalahan sosial antara lain program keluarga harapan, dukungan dana, dukungan keuangan langsung ke kas desa, dukungan sosial pemenuhan kebutuhan dasar di wilayah Jabodetabek, kartu prakerja, kartu sembako, dan subsidi listrik. Pelaksana kebijakan gagal mematuhi standar dan tujuan kebijakan dengan sengaja melanggar prosedur yang menguntungkan individu tertentu demi keuntungan pribadi. Hambatan program ini adalah implementasi kebijakan tidak berjalan lancar, karena beberapa nama penerima manfaat tidak terdapat dalam Data Terpadu Kesejahteraan Sosial (DTKS), redistribusi manfaat yang tidak tepat, dan manfaat serta penggunaan bantuan yang tidak tepat. dana tidak akurat. tidak digunakan membeli kebutuhan pokok. Program tersebut didukung dengan monitoring dan evaluasi yang ketat oleh pemerintah sehingga dapat meminimalisir permasalahan masyarakat penerima manfaat. Implikasi penelitian ini secara teoritis akan memberikan kontribusi terhadap pengembangan literatur untuk mengkaji peran strategis Kementerian Sosial dan pelaksanaan program BPNT untuk menjelaskan faktor preventif dan supportif pasca COVID-19. Dalam praktiknya juga bisa memberikan pertimbangan kepada Kementerian Sosial, khususnya Dirjen Perlindungan dan Jaminan Sosial ketika menyiapkan strategi implementasi program BPNT.Kata Kunci: Peran Strategis, Bantuan Pangan, Pemulihan Ekonomi, Pandemi COVID-19.

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