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All Journal IJTIHAD Islamic Ecomonics Journal Al-Iktisab: Journal of Islamic Economic Law Jurnal Akuntansi dan Manajemen Bisnis (JAMAN) Jurnal Ekonomi dan Manajemen (JEKMA) Jurnal Ilmiah Multidisiplin (JUKIM) Jurnal Pengabdian Masyarakat SAPANGAMBEI MANOKTOK HITEI Jurnal Kajian Akuntansi, Auditing dan Perpajakan Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam
Siti Aisyah
Universitas Gunadarma
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Nursing Social Sciences Other

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Konsep Istikhlaf Ekonomi Islam dalam Pandangan Yusuf Qardawi Nurizal Ismail; Siti Aisyah
Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam Vol. 2 No. 1 (2024): Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam
Publisher : Mumtaz Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63106/jepki.v2i1.20

Abstract

Islamic economics provides a unique perspective on wealth administration, distinct from Capitalism and Socialism. A key concept in Islamic economics is “istikhlaf,” which asserts that wealth belongs to Allah (God), and human are merely its trustees. The aim of this research is to explore the concept of istikhlaf in Islamic economic activities through the views of Yusuf Qardawi, a Muslim scholar who has also shown considerable interest in Islamic economics through his works. The research method used in this study is qualitative inductive with a literature study, examining primary sources from Yusuf Qardawi’s work titled “Ethics and Norms in Islamic Economics,” and secondary sources from articles and books related to the topic. Thematic analysis was employed to reduce, classify, and analyze data across three economic activities: production, consumption, and distribution. The result indicates that istikhlaf has a positive impact on economic activities such as production, consumption, and distribution. In production, istikhlaf encourages the wise and responsible use of resources. Consumption should be carried out frugally in accordance with Shari’ah, avoiding wastefulness, and greed. The distribution of wealth must be fair and equitable, avoiding arrogance, exploitation, and injustice. This research contributes to the understanding that the concept of istikhlaf in economic activities focuses not only on worldly aspects but also on the hereafter, through individual, social, and environmental responsibilities for sustainable development.
ANALISIS STUDI KOMPARATIF TINGKAT KESEHATAN BANK MUAMALAT INDONESIA SEBELUM DAN SEMASA PANDEMI COVID-19 Rismawati Rismawati; Siti Aisyah; Stevani Adinda Nurul Huda; Nur Azifah
Jurnal Ilmiah Multidisiplin Vol. 3 No. 06 (2024): November: Jurnal Ilmiah Multidisiplin
Publisher : Asosiasi Dosen Muda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56127/jukim.v3i06.1805

Abstract

Penelitian ini bertujuan untuk menganalisis bagaimana perbandingan dari rasio keuangan CAR, NPF, NIM, ROA, BOPO, dan FDR terhadap tingkat kesehatan Bank Muamalat Indonesia sebelum dan semasa pandemi Covid-19 dengan periode tahun 2017-2022.Penelitian ini termasuk dalam kategori penelitian kuantitatif deskriptif dengan menggunakan data atau intrumen dalam penelitian berupa data sekunder yang diperoleh dari laporan tahunan Bank Muamalat Indonesia. Populasi yang digunakan dalam penelitian ini kesehatan Bank Muamalat Indonesia. Dengan metode penelitian menggunakan Uji Paired Sample T-Test dengan bantuan software SPSS 25 dan Eviews 10. Hasil penelitian ini menunjukkan bahwa terdapat perbedaan signifikan pada rasio CAR, NPF, NIM, ROA, dan FDR. Serta, tidak terdapat perbedaan signifikan pada rasio BOPO. Dari 6 rasio keuangan ada 5 rasio yang terdapat perbedaan signifikan dan 1 rasio yang tidak terdapat perbedaan terhadap tingkat kesehatan Bank Muamalat Indonesia sebelum dan semasa pandemi Covid-19.
Determinants of ZIS (Zakat, Infaq, and Sadaqah) Participation Preferences among Residents of Bogor Regency (Case Study: BAZNAS Bogor Regency) Nurdiansyah; Siti Aisyah
Jurnal Ilmiah Multidisiplin Vol. 5 No. 01 (2026): Januari: Jurnal Ilmiah Multidisiplin
Publisher : Asosiasi Dosen Muda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56127/jukim.v5i01.2455

Abstract

This study aims to analyze the influence of literacy, service quality, and ease of access on the interest in paying Zakat, Infaq, and Sedekah (ZIS). The analysis model used is descriptive quantitative, with primary data collected through questionnaires distributed to 190 respondents from the Bogor Regency community. The testing stages included validity, reliability, normality, multicollinearity, heteroscedasticity, coefficient of determination hypothesis testing, and multiple linear regression using E-views version 12. The results of this study indicate that literacy, service quality, and ease of access significantly influence the interest of the Bogor community in paying Zakat, Infaq, and Sedekah (ZIS) at the National Zakat Agency (BAZNAS) in Bogor Regency. Literacy, service quality, and ease of access collectively significantly influence the interest of the Bogor community in paying Zakat, Infaq, and Sedekah (ZIS).
ANALYSIS Of THE EFFECT OF ISLAMIC BANK FINANCING AND ZAKAT ON ECONOMIC GROWTH WITH POVERTY AS AN INTERVENING VARIABLE IN INDONESIA Ade Rangga Putra Ashary; Siti Aisyah
Jurnal Ekonomi dan Manajemen Vol. 4 No. 2 (2025): Juni: Jurnal ekonomi dan Manajemen
Publisher : Asosiasi Dosen Muda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56127/jekma.v4i2.2094

Abstract

Sharia and Zakat financing has become a very prominent trend in recent years, This can certainly be a solution in planning to alleviate poverty and increase economic growth in Indonesia. The increase in Sharia Financing and Zakat from year to year is a good situation, especially in the economic sector in Indonesia. The purpose of this study is to determine the influence of sharia financing and zakat variables on economic growth with poverty as an intervening variable. This research method uses quantitative data types processed using Amos and Eviews software. The source of this research is secondary data from monthly reports taken from the official websites of BAZNAS, OJK, and BPS. The results of the study show that the sharia financing variable has an influence on economic growth and the zakat variable also has an influence on economic growth. The sharia financing variable has no influence on poverty, but the zakat variable has an influence on the poverty variable
Co-Authors Ade Rangga Putra Ashary Devid Frastiawan Amir Sup Fikri Zaeni Hasbalah Fitri Yulianti Inti Mulya Arti Maulana Syarif Hidayatullah Mufid Suryani Mujakir Nida Nusaibatul Adawiyah Nur Azifah Nurdiansyah Nurdiansyah Nurdiansyah Nurizal Ismail Nurizal Ismail Nurizal Ismail Nurizal Ismail Nurizal Ismail Paranita Asnur Risa Septiani Rismawati Rismawati Stevani Adinda Nurul Huda wahyudi Bakri Zahrani Fendiana