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All Journal Journal of Islamic Economic Laws J-ESA (Jurnal Ekonomi Syariah) Business and Economic Publication
Faridatun Najiyah
STEI Permata Bojonegoro
Arts Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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Unfolding the possibility to develop share-waqf in Indonesia through the concepts, opportunities & challenges Aldi Khusmufa Nur Iman; Faridatun Najiyah; Munji Asshiddiqi
Journal of Islamic Economic Laws Vol 4, No 1: January 2021
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v4i1.12510

Abstract

Indonesia is a country with the largest Muslim population in the world. The potential of Islamic financial instruments for the welfare of the people grows in society, one of which is cash waqf and shares. Most Islamic scholars allow cash and shares to be used as objects of waqf. Both cash and stock endowments can be implemented into two models. Cash waqf can be implemented as mutual funds or converted into other fixed assets. Meanwhile, the implementation of share waqf can be done through corporate waqf and individual share waqf. Individual share waqf is applied with two models, namely waqf from the profit of shares and waqf in the form of per-lot Sharia shares. The purpose of this study is to determine the concepts, opportunities and challenges of share waqf in Indonesia. Based on the research, it was found that share waqf has a great opportunity in Indonesia, considering that the majority of the population is Muslim. However, the implementation of the share waqf program in Indonesia in the future face various challenges that must be resolved in order for the share waqf to develop in Indonesia.
JOINT LIABILITY AGREEMENT IN THE FRAMEWORK OF SYARIAH MUAMALAH IN VILLAGE-OWNED ENTERPRISES Ayu Marreta Maharani; Faridatun Najiyah
J-ESA (Jurnal Ekonomi Syariah) Vol. 8 No. 2 (2025): Desember
Publisher : Program Studi Ekonomi Syariah IAI Muhammadiyah Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52266/jesa.v8i2.6495

Abstract

The purpose of this study is to understand the process of the tanggung renteng program and to examine and analyze its implementation from the perspective of Islamic muamalah in the BUMDesma Dharma Sejahtera, Kalitidu. This research is a qualitative study using a descriptive-analytical approach. The research was conducted at the Joint Village-Owned Enterprise (BUMDesma) Dharma Sejahtera, located on Jalan Raya Kalitidu No. 139, Kalitidu Subdistrict, Bojonegoro Regency, East Java, in 2024. Data collection techniques used include interviews, participatory observations, and documentation. Based on the results of the study and discussion, it can be concluded that the practice of the tanggung renteng system in the BUMDesma Dharma Sejahtera, Kalitidu, Bojonegoro, includes group formation, credit application, verification and socialization, evaluation meetings, contract signing, loan disbursement, installment payments collected by the group leader, and monitoring and evaluation of loan usage.
Digitalisasi, Efisiensi Operasional, Profitabilitas, dan Risiko Pembiayaan Bank Syariah Indonesia: Pola Efisiensi-Pertama Ulfatul Khasanah; Faridatun Najiyah; Salma Sayed Mahmoud Ahmed
Business and Economic Publication Vol. 4 No. 2 (2026): Business and Economic Publication
Publisher : Fakultas Ekonomi Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/bep.v4i2.1865

Abstract

This study analyzes the relationship between digitalization and the operational efficiency, profitability, and financing risk of Sharia commercial banks in Indonesia. Its novelty lies in the integrated analysis of BOPO, ROA, and NPF to identify an "efficiency-first" pattern without claiming mediation. The study employs an explanatory quantitative design based on panel data, covering 30 bank-year observations from six Sharia commercial banks over the 2021–2025 period, using fixed-effects estimation. Digitalization is proxied by the ratio of intangible assets to total assets. Based on conventional standard errors, digitalization is negatively associated with BOPO (p = 0.0070), positively but insignificantly associated with ROA (p = 0.0766), and positively associated with NPF (p = 0.0215). However, diagnostic and robustness tests—including leverage analysis, leave-one-bank-out analysis, and wild cluster bootstrapping with full enumeration across six clusters—reveal that the associations with BOPO and NPF do not persist after correcting for the very small number of clusters. These results are also largely driven by a single bank that exhibited extreme values in 2021. Consequently, the "efficiency-first" pattern serves as an initial exploratory signal rather than an established statistical association. Evaluations of digital investments need to integrate indicators regarding usage, efficiency, monetization, financing quality, and risk governance.
Co-Authors Aldi Khusmufa Nur Iman Ayu Marreta Maharani Munji Asshiddiqi Salma Sayed Mahmoud Ahmed Ulfatul Khasanah