Garuda - Garba Rujukan Digital

OPTIMALISASI PENGHIMPUNAN ZAKAT DIGITAL DI MASA PANDEMI Annisa Zetira; Nur Fatwa
Eqien - Jurnal Ekonomi dan Bisnis Vol 8 No 2 (2021): EQIEN - JURNAL EKONOMI DAN BISNIS
Publisher : Sekolah Tinggi Ilmu Ekonomi Dr Kh Ez Mutaqien

Since the world health organization (WHO) declared Corona Virus Diseases a pandemic, Indonesia's economic growth has weakened. However, zakat collection funds have increased by 30%. This is due to a shift in lifestyle from offline to online to support policies to prevent the spread of the Corona virus. As long as the social restriction policy is enforced, zakat payments cannot be made directly, so zakat management organizations take advantage of this opportunity by innovating in the field of digital technology to strengthen and optimize zakat collection. Even though there is an increase in the number of zakat collections, based on data from Baznas, the acquisition of zakat funds is still very far from the potential zakat figure, so digital zakat management is needed to reach a wider area of socialization, increase the number of muzakki, and increase the number of zakat collections. So that digital zakat collection can run effectively and efficiently, all zakat management organizations (OPZ) that are not yet running optimally need to carry out zakat management by referring to James Stoner's theory that has been carried out by Baznas and other zakat amil institutions. Starting from planning (planning), organizing (organizing), implementation or direction (actuating), and reporting or monitoring (controlling) by utilizing human resources and other resources. This research is a qualitative research and uses a literature review method. The data used is secondary data, which consists of books, journals, reports, zakat outlook, and other literature related to this research. From the secondary data, it was found that Baznas has carried out zakat management effectively, but there are still OPZs that have not done it effectively. One of them is Baznas at the district or city level which experienced a decrease in the number of OPZ in 2019 because it did not have a permit as an official zakat manager.

PENGARUH DANA PIHAK KETIGA, BIAYA OPERASIONAL, DAN NON PERFORMING LOAN TERHADAP LABA BERSIH BANK UMUM SWASTA NASIONAL DEVISA PADA BANK INDONESIA Chairul Ihsan Burhanuddin; Nur Fatwa
Jurnal Bisnis dan Kewirausahaan Vol. 4 No. 1 (2015): Jurnal Bisnis dan Kewirausahaan
Publisher : Lembaga Penelitian, Publikasi dan Pengabdian pada Masyarakat (LP3M) Nobel Indonesia

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This study aims to identify and analyze Effect of Third Party Fund, Operating Costs, and Non Performing Loans to Net Income Foreign Exchange Bank BUSN at Bank Indonesia either simultaneously or partially. This study uses secondary data from the Indonesian banking statistics published in the website of Bank Indonesia (BI). This research was conducted using a sample firms that fall into the category of the National Private Commercial Bank Foreign Exchange with the observation period of 2011 - 2013 There were 43 companies listed in the category of Private Banks National Foreign Exchange but only 36 companies that meet the criteria of this study sample. Multiple linear regression analysis method is used to test the hypothesis. The results of this study are the Third Party Fund has a negative and significant effect on Net Income. Operational costs have a positive and significant impact on Net Income. And non performing loans has a negative but insignificant effect on Net Income. These results indicate that the management of third party funds, operating expenses, and non-performing loans must be done optimally by considering the risks as well as the portion of the distribution and acceptance in order to achieve the desired net income.

Analisis Pengaruh Tingkat Inflasi dan Suku Bunga Terhadap Kinerja Keuangan Perusahaan Dengan Nilai Tukar Sebagai Moderasi Hilyati Zikriani; Nur Fatwa; Ramla Ilham Darise; Septiana Na'afi; Dwi Anna Kristanti
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i12.6426

Ukuran kinerja dalam industri perbankan memiliki peran yang sangat krusial karena kinerja bank merupakan keseluruhan dari gambaran kegiatan dan operasional baik dari segi keuangan, sumber daya manusia, pemasaran, penghimpunan dana maupun pembiayaan dalam satu periode tertentu. Penelitian ini menggunakan kuantitatif. Populasi yang digunakan dalam penelitian ini adalah seluruh perusahaan perbankan yang terdaftar di Bursa Efek Indonesia selama tahun 2020 hingga 2023 dan Sampel yang digunakan dalam penelitian ini adalah perusahaan perbankan yang terdaftar di Bursa Efek Indonesia dengan menggunakan pendekatan purposive sampling, yaitu pemilihan sekelompok subyek didasarkan atas ciri-ciri atau sifat-sifat tertentu. Hasil penelitian telah menemukan bahwa inflasi dan suku bunga berpengaruh terhadap kinerja perusahaan. Nilai tukar sebagai variabel moderasi mampu memoderasi pengaruh tingkat inflasi dan suku bunga terhadap kinerja perusahaan.

Exploring Halal Tourism as Indonesia’s Super-Priority Destination: Muslim Travelers’ Needs in Labuan Bajo Cahyania Nursyabani; Muhammad Azmi Nurkarim; Nur Fatwa; Nova Rini
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 8 No. 1 (2025)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v8i2.13315

Introduction to The Problem: Labuan Bajo is considered one of the potential destinations for the development of halal tourism in Indonesia. However, the predominance of a non-Muslim population in the region presents a distinctive challenge in the implementation and promotion of halal tourism practices. Purpose/Objective Study: Explore the needs of Muslim travelers who visit the Super Priority Destination of Labuan Bajo, one of the tourist destinations where most population is non-Muslim. Design/Methodology/Approach: The approach used is qualitative, with data collected through in-depth interviews with Muslim Traveler informants who have visited Labuan Bajo. The in-depth interview questions are based on the extension of the theory of travel. Findings: The research results show that the main motivations for Muslim travelers visiting this place are recreation and work, where natural beauty and ease of access are the main factors attracting Muslim tourists to visit this place. However, there are still many challenges that need to be addressed, such as the limited availability of prayer facilities in some island destinations, the lack of halal-certified food options, and the insufficient communication between tour providers and tourists. This study concludes that Labuan Bajo is a Muslim-friendly destination, but the improvement of worship facilities and halal food must be optimized. This research is expected to serve as a foundation for the development of halal tourism in predominantly non-Muslim destinations that are inclusive and sustainable.

Peluang Pengembangan Pariwisata Halal Melalui Optimalisasi Wakaf di Daerah Istimewa Yogyakarta Irawan Agung Wibowo; Nur Fatwa
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i12.5330

The development of the Islamic economy is not limited to the Islamic banking sector, but also encompasses other growing aspects, such as halal tourism. Halal tourism is a tourism segment that adheres to the principles of Islamic Sharia, including aspects of food, accommodation, entertainment, and other services. This phenomenon reflects significant growth in global awareness of Islamic culture, values, and ethics. The development of the concept of halal tourism in the Special Region of Yogyakarta reflects a commitment to maintaining and enhancing tourism appeal, with a focus on services in line with Sharia principles. Various tourist attractions in this region have been upgraded towards the concept of halal tourism, taking into consideration the needs of Muslim travelers. However, further efforts in innovation and development are still required to ensure a quality tourism experience. This paper aims to delve deeper into the potential of tourism to be developed into halal tourism in the Special Region of Yogyakarta, and optimization strategy of halal tourism development based on waqf and its benefits. This writing method employs a qualitative approach with literature review and observation. This is to facilitate researchers in obtaining accurate data in the field.

Contextualization of Ushul Fiqh in Muamalah and Modern Banking: Sharia Solutions in the Global Economic System Putro, Dimas Handoyo; Nurwahidin; Hannase, Mulawarman; Nafis, Muhammad Cholil; Nur Fatwa; Muttaqin, Mohammad Izdiyan
International Journal of Integrative Sciences Vol. 3 No. 11 (2024): November 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijis.v3i11.12424

This study examines the application of ushul fiqh, the foundational discipline of Islamic jurisprudence, in modern Islamic banking and its implications for the global economic system. Using a Systematic Literature Review (SLR) methodology, this research analyzes academic contributions from 2018 to 2024, focusing on the integration of Islamic principles into banking practices. The findings reveal that ushul fiqh significantly reduces financial instability through principles like the prohibition of riba (interest), reduction of gharar (uncertainty), and emphasis on maslahat (public welfare). These principles align economic transactions with ethical values, fostering inclusivity and sustainability. However, challenges such as regulatory standardization and integration into global markets persist. Despite these, the study identifies substantial growth opportunities for Islamic banking, especially with the rise of sharia-compliant Fintech solutions. This research highlights the potential of ushul fiqh as a transformative tool for promoting justice and resilience in global financial systems while meeting the ethical demands of modern economies

Peluang Pengembangan Pariwisata Halal Melalui Optimalisasi Wakaf di Daerah Istimewa Yogyakarta Irawan Agung Wibowo; Nur Fatwa
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i12.5330

The development of the Islamic economy is not limited to the Islamic banking sector, but also encompasses other growing aspects, such as halal tourism. Halal tourism is a tourism segment that adheres to the principles of Islamic Sharia, including aspects of food, accommodation, entertainment, and other services. This phenomenon reflects significant growth in global awareness of Islamic culture, values, and ethics. The development of the concept of halal tourism in the Special Region of Yogyakarta reflects a commitment to maintaining and enhancing tourism appeal, with a focus on services in line with Sharia principles. Various tourist attractions in this region have been upgraded towards the concept of halal tourism, taking into consideration the needs of Muslim travelers. However, further efforts in innovation and development are still required to ensure a quality tourism experience. This paper aims to delve deeper into the potential of tourism to be developed into halal tourism in the Special Region of Yogyakarta, and optimization strategy of halal tourism development based on waqf and its benefits. This writing method employs a qualitative approach with literature review and observation. This is to facilitate researchers in obtaining accurate data in the field.

Analisis Pengaruh Tingkat Inflasi dan Suku Bunga Terhadap Kinerja Keuangan Perusahaan Dengan Nilai Tukar Sebagai Moderasi Hilyati Zikriani; Nur Fatwa; Ramla Ilham Darise; Septiana Na'afi; Dwi Anna Kristanti
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i12.6426

Ukuran kinerja dalam industri perbankan memiliki peran yang sangat krusial karena kinerja bank merupakan keseluruhan dari gambaran kegiatan dan operasional baik dari segi keuangan, sumber daya manusia, pemasaran, penghimpunan dana maupun pembiayaan dalam satu periode tertentu. Penelitian ini menggunakan kuantitatif. Populasi yang digunakan dalam penelitian ini adalah seluruh perusahaan perbankan yang terdaftar di Bursa Efek Indonesia selama tahun 2020 hingga 2023 dan Sampel yang digunakan dalam penelitian ini adalah perusahaan perbankan yang terdaftar di Bursa Efek Indonesia dengan menggunakan pendekatan purposive sampling, yaitu pemilihan sekelompok subyek didasarkan atas ciri-ciri atau sifat-sifat tertentu. Hasil penelitian telah menemukan bahwa inflasi dan suku bunga berpengaruh terhadap kinerja perusahaan. Nilai tukar sebagai variabel moderasi mampu memoderasi pengaruh tingkat inflasi dan suku bunga terhadap kinerja perusahaan.

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