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Risk Management for the Distribution of Zakat, Infaq, and Shadaqah (ZIS) Funds on the Mentari Scholarship Programme at Zakat Center LAZISMU Gresik A'yun, Indah Firdanilla; Rahman, Taufiqur
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 16, No 2 (2024)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v16i2.18461

This research analyzes the risks in distributing Zakat, Infaq, and Shadaqah (ZIS) funds in the Mentari Scholarship Program at LAZISMU Gresik and how risk management is applied. This research uses descriptive qualitative methods with triangulation data collection techniques: observation, semi-structured interviews, and documentation. The results showed that there are risks in the distribution of Zakat, Infaq, and Shadaqah (ZIS) funds in the Mentari scholarship program, including (1) Risk of uneven allocation, (2) Risk of lack of coordination between Zakat Management Organisations , (3) Risk of delays in distribution and the risk of findings, namely the risk of administrative delays. The application of risk management in the distribution of Zakat, Infaq, and Shadaqah (ZIS) Scholarship Mentari funds refers to the risk management model in zakat institutions in the BAZNAS and Bank Indonesia books, including the context establishment phase, risk identification, and its impact, risk measurement, risk evaluation, and risk treatment. In addition, risk management applies the principles of priority scale and transparency. The distribution of Zakat, Infaq, and Shadaqah (ZIS) funds must be guided by the SOP for the implementation of pentasyarufan / utilization activities listed in the policy book and LAZISMU management strategic plan for Gresik Regency in 2022.Â

Prediksi Rasio Profitabilitas Bank Umum Syariah yang Terdaftar ISSI: Pendekatan Tren Kuadratik Putri, Filda Felisa; Dahruji, Dahruji; Rahman, Taufiqur
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 6 No 2 (2024): November 2024
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v6i2.6066

This research aims to predict the profitability levels of Islamic Commercial Banks listed on the Indonesian Sharia Stock Index (ISSI) using a quadratic trend approach. The data sources are derived from the annual financial reports of PT Bank Syariah Indonesia Tbk, PT Bank Panin Dubai Syariah Tbk, PT Bank Aladin Syariah Tbk, and PT Bank BTPN Syariah Tbk spanning from 2019 to 2023. The approach applied in this analysis uses quadratic trend to predict Return on Assets and Return on Equity from 2024 to 2028. The forecasting results indicate a significant upward trend for both profitability ratios. ROA is expected to increase from 5.42 in 2024 to 12.98 in 2028, while ROE is projected to rise from 21.96 to 82,8 during the same period. This study concludes that Islamic Commercial Banks show very positive potential financial performance, with stable increases in ROA and ROE, indicating strong growth potential and significant improvement in financial performance in the coming years. These findings provide important insights that investors can consider when making investment decisions in publicly listed Islamic Commercial Banks in the Indonesian Islamic banking sector.

PENERAPAN GREEN ECONOMY DI DESA TANJUNGKALANG NGANJUK UNTUK MEWUJUDKAN SDGs MENURUT PERSPEKTIF EKONOMI ISLAM Luthfiyana Hidayatu Rohmah; Taufiqur Rahman
Jurnal Ekonomi Pembangunan STIE Muhammadiyah Palopo Vol 9, No 2 (2023)
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah (LPPI) Universitas Muhammadiyah Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35906/jep.v9i2.1736

ABSTRAK Peningkatan jumlah sampah rumah tangga di Desa Tanjungkalang yang tidak dikelola dengan baik mengakibatkan penumpukan sampah. Hal ini terjadi karena kurangnya pengetahuan dan edukasi bagi ibu rumah tangga tentang pengelolaan sampah, sehingga sampah tidak dispesifikasikan dengan benar dan sampah tersebut sukar di daur ulang. Sampah saat ini telah menjadi masalah utama yang akan mengakibatkan masalah lingkungan lainnya. Tujuan penelitian ini untuk mengetahui apakah penerapan green economy yang dilakukan sudah berhasil dalam mewujudkan pembangunan berkelanjutan mengingat bahwa menumpuknya sampah di Desa Tanjungkalang tergolong tinggi. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan studi lapangan, data primer yang digunakan yaitu data primer dari masyarakat Desa Tanjungkalang dan data sekunder berasal dari literatur lainnya yaitu jurnal dan skripsi. Hasil penelitian menunjukkan bahwa penerapan Green Economy atas pengelolaan sampah yang dilakukan sudah cukup berhasil dalam membantu mewujudkan SDGs menurut perspektif ekonomi Islam dibuktikan dengan terjualnya produk yang dihasilkan dari pengelolaan sampah serta berkurangnya tumpukan sampah.Kata Kunci: Green Economy, SDGs, Ekonomi IslamABSTRACTThe increase in the amount of household waste in Tanjungkalang Village that is not managed properly results in the accumulation of waste. This occurs due to a lack of knowledge and education for housewives about waste management, so that waste is not properly specified and the waste is difficult to recycle. Waste has now become a major problem that will lead to other environmental problems. The purpose of this research is to find out whether the application of green economy has been successful in realizing sustainable development considering that the accumulation of waste in Tanjungkalang Village is high. This research uses qualitative research methods with a field study approach, the primary data used is primary data from the Tanjungkalang Village community and secondary data comes from other literature, namely journals and theses. The results showed that the application of Green Economy on waste management has been quite successful in helping to realize SDGs according to an Islamic economic perspective as evidenced by the sale of products produced from waste management and the reduction of waste piles.Keywords: Green Economy, SDGs, Islamic Economics

Trends and dynamics of islamic invesment decision factors: A bibliometric analysis and comprehensive literature review Munawaroh, Siti Ikmatul; Rahman, Taufiqur
Optimum: Jurnal Ekonomi dan Pembangunan Vol. 15 No. 1 (2025)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/optimum.v15i1.11346

Investment as part of economic development affects macroeconomi indicators, including the level of economic growth as measured by Gross Domestic Product (GDP). Indonesia as a country with an Islamic majority continues to experience an increase in the development of Islamic investment. This shows the strong role of Islamic investment in the formation of Islamic capital market capitalisation which has a major impact in encouraging Indonesia's economic growth. This study aims to map the factors associated with Islamic investment decisions on 829 publications articel in a period of 12 years starting from 2012 to 2023. This research method uses quantitative methods through Vosviewer Bibliometric Analysis and qualitative methods through literature studies. The results showed that 5 clusters with a total of 161 topic. Based on the keywords used, research trends indicate that sharia investment, motivation, and financing are the most frequently occurring terms. The implications of this research can help practitioners to design more effective investment strategies, and provide insight to future researchers in finding research novelty. In addition, for policy makers, this research provides a foundation to develop more effective regulations and policies to support Islamic investment as a driver of economic development.

Trends and dynamics of islamic invesment decision factors: A bibliometric analysis and comprehensive literature review Munawaroh, Siti Ikmatul; Rahman, Taufiqur
Optimum: Jurnal Ekonomi dan Pembangunan Vol. 15 No. 1 (2025)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/optimum.v15i1.11346

Investment as part of economic development affects macroeconomi indicators, including the level of economic growth as measured by Gross Domestic Product (GDP). Indonesia as a country with an Islamic majority continues to experience an increase in the development of Islamic investment. This shows the strong role of Islamic investment in the formation of Islamic capital market capitalisation which has a major impact in encouraging Indonesia's economic growth. This study aims to map the factors associated with Islamic investment decisions on 829 publications articel in a period of 12 years starting from 2012 to 2023. This research method uses quantitative methods through Vosviewer Bibliometric Analysis and qualitative methods through literature studies. The results showed that 5 clusters with a total of 161 topic. Based on the keywords used, research trends indicate that sharia investment, motivation, and financing are the most frequently occurring terms. The implications of this research can help practitioners to design more effective investment strategies, and provide insight to future researchers in finding research novelty. In addition, for policy makers, this research provides a foundation to develop more effective regulations and policies to support Islamic investment as a driver of economic development.

The effect of halal certification, product quality and word of mouth on consumer loyalty Amalia, Putri; Rahman, Taufiqur
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 7 No 2 (2025)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v7i2.1532

This study aims to identify the influence of halal certification, product quality, and word of mouth on consumer loyalty at V-Fie Bakery. This research aims to discover the factors that affect consumer loyalty and provide an overview of business actors when facing increasingly fierce market competition. The research method used is quantitative research. One hundred respondents determined the sample. The sampling technique in this study uses probability sampling. Data was collected through a questionnaire and analysis using regression. The results of this study state that halal certification does not have a significant effect on consumer loyalty. On the other hand, product quality and word of mouth significantly affect consumer loyalty at V-Fie Bakery. Simultaneously, halal certification, product quality, and word of mouth affect consumer loyalty. Public interest statements This research is helpful for business people, especially in the current era of globalization, by increasing awareness and trust in halal products, carrying out more effective marketing strategies, increasing product competitiveness, and providing important insights for consumers in knowing the factors that affect loyalty or trust. In addition, this research plays an important role in encouraging economic growth and strengthening the food industry to be more developed and meet consumer expectations.

Perbandingan Efek Beragun Aset Perbandingan Instrumen EBA Konvensional dan Syariah Dalam Perspektif Keuangan Islam: Literature Review Permana, Dikki; Rahman, Taufiqur
Al-tsaman : Jurnal Ekonomi dan Keuangan Islam Vol 7 No 01 (2025): Mei
Publisher : INAIFAS Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62097/al-tsaman.v7i01.2290

Penelitian ini mengkaji perbandingan antara instrumen Efek Beragun Aset (EBA) konvensional dan syariah dari sudut pandang keuangan Islam melalui studi pustaka. EBA berfungsi sebagai mekanisme sekuritisasi untuk meningkatkan likuiditas aset keuangan. Walaupun kerangka hukum keduanya serupa melibatkan portofolio aset dan kontrak investasi kolektif perbedaan utama terletak pada kepatuhan syariah. EBA syariah diwajibkan berbasis aset tanpa riba serta tunduk pada Fatwa DSN-MUI dan regulasi OJK, sedangkan EBA konvensional tidak memiliki batasan tersebut. Selain itu, penerbitan EBA syariah melibatkan Dewan Pengawas Syariah dan terbagi dalam dua skema utama (KIK-EBA Syariah dan EBA-SP), yang berbeda pada entitas penerbit dan aset dasar. Hasil tinjauan menunjukkan bahwa EBA syariah menjadi alternatif pendanaan dan investasi sesuai prinsip Islam, berpotensi mengatasi tantangan likuiditas di perbankan syariah. Studi ini merekomendasikan perluasan sosialisasi dan penelitian empiris untuk menilai respons pasar terhadap EBA syariah.

Systematic Literature Review: The Role of Insurance The journey of Sharia in Increase Protection Muslim Tourists Marshanda Ridia Amelia; Taufiqur Rahman
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 7 No. 1 (2025)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2025.7.1.26822

Purpose - This article aims to examine and analyze the role of Islamic travel insurance in improving protection for Muslim tourists. Specifically, this study focuses on understanding the mechanism of Islamic insurance, as well as the extent to which this insurance is able to answer the needs and challenges of Muslim travelers in the context of halal travel.. Method - In this study, data search was conducted using the Systematic Literature Review (SLR) Method by summarizing findings from previous studies that are relevant to the research topic. The keywords from Indonesian used to search for data for this study are "Sharia Travel Insurance" and "Protection for Muslim Tourists". Result - Islamic travel insurance, based on the principle of takaful, provides protection for Muslim travelers through sharia-compliant mechanisms, such as tabarru and wakalah bil ujrah contracts. However, travelers still face various obstacles, such as a lack of understanding of takaful, limited coverage, and constraints in regulations and claim procedures. They need insurance coverage that covers important aspects, such as legal certainty that is free from gharar, maysir, and usury, as well as access to halal food and prayer facilities during the trip. Case studies reveal that defaults in Islamic travel insurance claims for Umrah pilgrims often occur due to a lack of transparency in the claim procedure. To increase traveler confidence, the insurance industry needs to design more inclusive products, improve regulations that support sharia compliance, and improve financial literacy so that protection for Muslim travelers is more optimal. Implication - This study used data from Google Scholar to identify related articles, with a total of 1,010 articles found in the initial stage. After a screening process based on the relevant year range, 270 articles were identified from journals published in the period 2020–2025 as the basis for initial selection. Further screening was carried out using the Open Refine application by considering the inclusion criteria that had been set. From the results of this process, 27 articles were obtained that were relevant to the research topic, with 8 of them having a high level of relevance to the research title. Originality - This study examines the mechanism of Islamic travel insurance and its role in meeting the needs and overcoming the challenges of Muslim travelers in halal travel. The discussion covers fundamental aspects, coverage, as well as regulatory barriers and claim procedures. In addition, this study evaluates innovative strategies in product development and increasing understanding of Islamic finance to ensure more effective protection for Muslim travelers. Keywords: Sharia Insurance, Insurance Sharia Travel, Protection Muslim Tourists.

Implementation of sharia principles in the insurance industry in Indonesia: Systematic Literature Review Hikmah Hidayah, Isnaini; Rahman, Taufiqur
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 7 No. 2 (2025)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2025.7.2.26829

Purpose - Aims to examine in depth the implementation of sharia principles in the insurance industry in Indonesia. The main focus is to evaluate the extent to which principles such as monotheism, justice, ta'awun, and cooperation are implemented through sharia contracts such as tabarru', tijarah, mudharabah musytarakah, and wakalah bil ujrah in sharia insurance practices. Method - The method used in this study is Systematic Literature Review (SLR). Data were collected from 500 articles filtered through Google Scholar with the keywords "sharia principles" and "insurance industry" in the period 2020-2025. After going through the selection and data cleaning stages, the seven most relevant articles were analyzed in depth to identify key findings and academic trends related to the topic. Result - The results of the study show that although sharia insurance has a strong basis in Islamic principles, its implementation still faces several major challenges. Among them are low public literacy, lack of standardization in the implementation of contracts, weak regulations from the government, and less than optimal services comparable to conventional insurance. In addition, there was a gap in understanding between industry players and customers regarding sharia contracts. Implication - emphasizes the need to strengthen education, improve service systems, and formulate regulations that are more supportive of the development of the sharia insurance industry. This study also recommends increasing the role of the Sharia Supervisory Board in ensuring operational compliance with sharia values. Originality - This study provides an original contribution through a systematic literature approach, by integrating various dimensions of sharia (theological, managerial, social, and digital) in its analysis. This study is expected to be a theoretical and practical reference for academics, regulators, and industry players in strengthening the sharia financial system in Indonesia. Keywords: Sharia insurance , Sharia principles, Insurance industry.

Analysis of Bad Debt Resolution in Sharia Savings and Loans Cooperatives and Financing Using the Vosviewer Visualization Approach Siti Nur Halizah; Taufiqur Rahman
JUSTICES: Journal of Law Vol. 4 No. 3 (2025): Progressive and Critical Law Review
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58355/justices.v4i3.171

This study aims to analyze and demonstrate in detail the process of systematic analysis of bibliographic data using VOSViewer with a literature review study. A detailed analysis process was prepared so that new users can more easily access and utilize VOSViewer. This research provides an evaluation of the information on non-performing loans and their development over ten years (2014-2024) using the mapping tools provided by VOSViewer. The aim is to show how efficient bibliometric analysis is by utilizing network visualization of predefined subjects with a mixed approach. In the data search, 200 relevant journals published between 2019-2024 were found, which were further grouped into 10 categories based on the year of publication. After clustering the journal data, the authors observed that the highest number of publications occurred in 2020-2021. There are many opportunities to explore new things in this topic. Furthermore, it is hoped that this research can be a reference for the author in conducting research and looking for further research topics.

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