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Marketing Strategy of the Zakat and Waqf Management Study Program Masykuroh, Ely; Sudrajat, Anton
Islam Universalia: International Journal of Islamic Studies and Social Sciences Vol 6 No 3 (2025): Islam Universalia
Publisher : Cyber Media Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The phenomenon of competition and the emergence of many campuses with various study programs and the lack of enthusiasts for zakat and waqf management study programs is a necessity for study programs to carry out marketing activities by formulating appropriate strategies. This research method is qualitative with data analysis techniques through data reduction, data presentation, and conclusion drawing. The results of this study offer alternative marketing strategies for zakat and waqf management study programs, namely cost advantage, differentiation, and focus.
Strategi Daya Saing Peningkatan Minat pada Program Studi Manajemen Zakat dan Wakaf Masykuroh, Ely; Sudrajat, Anton
Nidhomiya: Research Journal of Islamic Philanthropy and Disaster Vol. 1 No. 1 (2022): Islamic Philanthropy and Disaster
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/nidhomiya.v1i1.942

Abstract

The phenomenon of scarcity of enthusiasts in zakat and waqf management study programs in almost all PTKIN in Indonesia compared to other majors/study programs, - it becomes a necessity for policy makers, especially majors/study programs to try to improve competitiveness by formulating appropriate strategies. The approach in strategy formulation uses multi-criteria analysis (MCA) and is analyzed with the Analytical Hierarchy Process (AHP) based on Porter's theory of competitiveness strategy which includes cost advantage, differentiation, and focus, by taking the research locus at IAIN Ponorogo is a necessity for study program policy makers to strive to increase competitiveness by formulating appropriate strategies. The performance approach in strategy formulation uses multi-criteria analysis (MCA) and analyzed by Analytical Hierarchy Process (AHP). The results of this study offer alternative strategies to improve the competitiveness of zakat and waqf management study programs, namely cost advantages, differentiation, and focus where each strategy has advantages and disadvantages. However, the right alternative form of strategy is differentiation. Adanya fenomena kelangkaan peminat jurusan/program studi manajemen zakat dan wakaf di hampir seluruh PTKIN di Indonesia dibandingkan dengan jurusan/program studi yang lain, - menjadi suatu keniscayaan bagi pemangku kebijakan, khususnya jurusan/program studi untuk berupaya meningkatkan daya saing dengan cara merumuskan strategi-strategi yang tepat. Pendekatan dalam penyusunan strategi menggunakan analisis multi kriteria (MCA) dan dianalisis dengan Analytical Hierarchy Process (AHP) dengan berpijak dari teori strategi daya saing Porter yang meliputi keunggulan biaya, diferensiasi, dan focus dengan mengambil lokus penelitian di IAIN Ponorogo. Hasil penelitian ini menawarkan alternatif strategi untuk meningkatkan daya saing program studi manajemen zakat dan wakaf melalui keunggulan biaya, diferensiasi, dan fokus dimana masing-masing strategi memiliki kelebihan dan kekurangan. Namun, bentuk alternatif strategi yang tepat pada saat ini adalah diferensiasi.
Social Culture Analysis to Compare the Performance of Islamic Bank in Muslim-Majority Countries Masykuroh, Ely; Sudrajat, Anton; Abdullah, Umar
El-Barka Journal of Islamic Economics and Business Vol. 5 No. 2 (2022)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v5i2.5008

Abstract

Introduction/Main Objectives: The implementation of Islamic teachings in economic activities cannot be separated from the socio-cultural influence of the local community. Thus, there are possible differences in the expression of Islamic teachings in the economic field, especially the practice of Islamic banks in the Countries of the Middle East region with Islamic banks in countries in the Southeast Asian region. Background Problems: This difference in practice can be caused by differences in the religious behavior of bankers and customers in terms of dimensions of knowledge, passion, practice and religious rituals that are influenced by the socio-cultural of each region so that it has an impact on the performance of each Islamic bank. Novelty: No comparative research on the performance of Islamic banks based on socio-cultural analysis has been found. Research Methods: this study was analyzed the performance of Islamic banks in the Middle East and Southeast Asia regions in 2015-2020 and analyze the relevance between banking performance and socio-culture in both regional groups. The research method used is a mixed quantitative and qualitative research method (Mix Method). Sampling techniques use purposive sampling. The sample in this study was the first Islamic banks established in those countries with the criterion that these banks present annual financial statements that have been audited by independent auditors. The analysis method uses quantitative methods: descriptive statistics, normality test, and Mann-Whitney U test as well as qualitative methods, namely analysis content. Finding/Results: Between Islamic banks in the Middle East and Southeast Asian countries in 2015-2020 there are differences in profitability performance, capital ratios, and liquidity, there is no difference in credit efficiency and effectiveness performance, there is relevance between socio-cultural differences and profitability performance, capital ratios, and liquidity between Islamic banks in the Countries of the Middle East and Southeast Asia regions, and there is no relevance between socio-cultural differences and the performance of credit efficiency and effectiveness between Islamic banks in the countries of the Middle East and Southeast Asia regions.
The Impact of MSME’s Development of Halal Products On Sustainable Livelihood Muhaimin, Rizal; Sudrajat, Anton; Rokhlinasari, Sri
PARADIGMA : JURNAL ILMU PENGETAHUAN AGAMA, DAN BUDAYA Vol 22 No 2 (2025): PARADIGMA: Journal of Science, Religion and Culture Studies
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/paradigma.v22i2.11063

Abstract

The development of Micro, Small and Medium Enterprises (MSMEs) based on halal products has a very significant role in encouraging economic growth in rural areas. The existence of MSMEs not only creates jobs and increases community income, but also contributes to creating an economic system that is inclusive, sustainable, and based on sharia values. In this context, the concept of sustainable livelihoods is a relevant strategic approach to understand the contribution of halal products to sustainability in the economic, social and environmental dimensions. This study specifically highlights the potential and role of halal MSMEs developing in Mertapada Kulon Village, Cirebon Regency. This village has great potential in local economic development, but there is still a gap in research related to how halal MSMEs can have an impact on the sustainable livelihoods of local communities. The purpose of this study is to analyze the development strategy of halal product MSMEs and evaluate the extent of their impact on the achievement of Sustainable Livelihood indicators. This research uses qualitative methods with data collection through in-depth interviews and direct observation. The results showed that the halal MSME development strategy has a positive impact on rural economic development. This is reflected in increased household income, improved community welfare, decreased levels of economic vulnerability, and the fulfillment of life needs in a more decent and sustainable manner.
Basel Implementation in Banking in Indonesia Wayuningsih, Nining; Fatmawati, Putri Noviah; Sudrajat, Anton; Wiradinata, Rochanda
Journal of Social Science and Business Studies Vol. 2 No. 3 (2024): JSSBS
Publisher : Yayasan Gema Bina Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61487/jssbs.v2i3.78

Abstract

This study’s goal is to determine the application of Basel in banking in Indonesia. Bank Indonesia in issuing banking regulations refers to the Bank for International Settlement (BIS) policies related to liquidity, especially as a reference to protect Indonesian banks from crises caused by insufficient liquidity needs in the Bank. policies from the BIS will be accommodated first by the Islamic Financial Service Board (IFSB). IFSB is used as a reference for regulators to make banking policies. One of the IFSB committees, namely the Basel committee in the field of banking supervision, has issued provisions that are a reference for international banking, namely Basel 1, Basel II and Basel III. This study collects data using a descriptive qualitative methodology and secondary data obtained from literature studies. The results of the research show that banks in Indonesia have implemented regulations according to the Basel III international standard OJK has adopted Basel recommendations and has implemented Basel 1, 2 and 3 although there are some shortcomings but the application of risk management is more effective and efficient. The application of the continuation of Basel III is adjusted to the conditions of national banking proportionally.
Determinan Indeks Harga Saham Syariah Di Jakarta Islamic Index (Jii) Periode 2019-2023 Iskandar zulkarnaen, Mohamad; Wartoyo, Wartoyo; Sudrajat, Anton
Journal of Comprehensive Science Vol. 3 No. 3 (2024): Journal of Comprehensive Science (JCS)
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jcs.v3i3.642

Abstract

Pertumbuhan pasar modal syariah di Indonesia periode 2019-2023 menyaksikan pertumbuhan yang pesat dalam pasar modal syariah Indonesia. Faktor-faktor seperti transparansi, praktik bisnis yang etis, dan kepatuhan terhadap fatwa syariah juga memiliki dampak signifikan, perkembangan teknologi dan inovasi dalam industri keuangan, termasuk dalam konteks pasar modal syariah, juga dapat menjadi determinan penting dalam pergerakan JII. Hal ini termasuk penggunaan fintech, platform perdagangan elektronik, dan produk-produk keuangan berbasis teknologi. Tujuan penelitian ini adalah untuk mengetahui hubungan jangka pendek dan jangka panjang antara inflasi dengan indeks harga saham syariah di JII, untuk mengetahui hubungan jangka pendek dan jangka panjang antara suku bunga dengan indeks harga saham syariah di JII, untuk mengetahui hubungan jangka pendek dan jangka panjang antara nilai tukar dengan indeks harga saham syariah di JII, Penelitian ini menggunakan metode kuantitatif, dengan objek penelitian data sekunder dalam bentuk time series, sampel penelitian ini diambil dari data time series selama tahun 2019 sampai tahun 2023 yaitu sebanyak 60 observasi.Hasil penelitian ini adalah 1) Inflasi dalam jangka panjang mempengaruhi harga saham syariah di Jakarta Islamic Index. Kondisi ini dibuktikan dalam uji ECM dengan nilai Probability 0.0002 dibawah level of significant sebesar 0.05, sedangkan dalam jangka pendek variabel inflasi tidak mempengaruhi harga saham syariah di Jakarta Islamic Index. Kondisi ini dibuktikan dalam uji ECM dengan nilai Probability 0.3823 artinya lebih besar dari tingkat alpha 0.05, 2) Suku Bunga dalam jangka panjang mempengaruhi harga saham syariah di Jakarta Islamic Index. Kondisi ini dibuktikan dalam uji ECM dengan nilai Probability 0.0023 dibawah level of significant sebesar 0.05, sedangkan dalam jangka pendek variabel suku bunga tidak mempengaruhi harga saham syariah di Jakarta Islamic Index. Kondisi ini dibuktikan dalam uji ECM dengan nilai Probability 0.7889 artinya lebih besar dari tingkat alpha 0.05, 3) Nilai Tukar dalam jangka panjang maupun jangka pendek mempengaruhi harga saham syariah di Jakarta Islamic Index. Kondisi ini dibuktikan dalam uji ECM dengan nilai Probability 0.0000 dibawah level of significant sebesar 0.05.
The Role of Attitude in Mediating Gen Z’s Intention in Use of Digital Sharia Banking Wartoyo, Wartoyo; Sudrajat, Anton; Wiyani, Silva; Subagiyo, Rokhmat; Haqqiquddin Rokhmatulloh, Muhammad Raisa; Fauzan
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i2.6249

Abstract

Introduction: Dynamic technological developments make a significant contribution to human life. In the banking world, one of the technological developments that has changed the way of transactions is the emergence of payment instruments known as digital banking. Therefore, this research aims to determine the effect of convenience and usefulness on interest in using digital banking with attitude as an intervention variable for Gen Z in Cirebon Regency. Method: The research uses a quantitative approach with the type of non-parametric data. The sampling technique used random sampling with a number of samples are 100 respondents. The data analysis technique uses Structural Equation Modeling (SEM) with the tool is SEM-PLS. Result: The results of the first test show that the Convenience and Usefulness has a significant effect on attitudes to use digital banking. Likewise in the second test show the Convenience, Benefit and Attitude has a significant effect on interest in using digital banking. Whereas the result of mediating test show that the Attitudes have a significant influence as an intervening variable between ease and interest in using digital banking, also has a significant effect as an intervening variable between ease and interest in using digital banking. Conclusion & Suggestion: The findings of this study show that the main factor that attracts Gen Z in using Digital Banking is the ease of use factor, therefore banks must always pay attention to the user interface (UI) and user experience (UX) of their applications. The intuitive design and easy transaction process will be very attractive to Gen Z. In addition to convenience, the benefits offered also need to be more concrete and relevant to the needs of Gen Z. Knowing that attitudes have a very important role in influencing interest, digital banks can build campaigns that focus not only on features and benefits, but also on forming a positive perception of digital banking.
Manajemen Ekonomi Pesantren untuk Meningkatkan Ketahanan Ekonomi Masyarakat Nuraeni, Sri; Aziz, Abdul; Sudrajat, Anton
Cerdika: Jurnal Ilmiah Indonesia Vol. 4 No. 5 (2024): Cerdika: Jurnal Ilmiah Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/cerdika.v4i5.794

Abstract

Manajemen pesantren pada hakikatnya merupakan salah satu strstegi dalam pembaharuan pesantren dalam bidang ekonomi yaitu sebagai suatu kegiatan yang dimaksudkan untuk memampukan dan memandirikan masyarakat pesantren. Dalam hal ini yaitu untuk meningkatkan kemampuan masyarakat pesantren melalui keterlibatan pada berbagai program pembangunan pesantren terutama dalam pengelolaan ekonomi serta memberikan kewenangan kepada masyarakat pesantren secara proporsional dalam pengambilan keputusan. Tujuan penelitian ini adalah untuk memberdayakan ketahanan ekonomi masyarakat, pesantren memiliki peran yang strategis dengan segala keunikan serta sumber daya yang dimilikinya, pesantren dapat menjadi jalan dalam memajukan perekonomian masyarakat. Harapannya, supaya masyarakat menjadi sejahtera melalui manajemen ekonomi pesantren dalam pemberdayaan perekonomian berbasis pesantren. Penelitian ini menggunakan metode kualitatatif. Pendekatan dengan metode ini dipilih karena peneliti menganggap sangat cocok dengan karakteristik masalah yang menjadi fokus penelitian, dengan objek penelitian dipondok pesantren dengan melakukan observasi dan wawancara kepada pihak yang bersangkutan. Hasil penelitian ini adalah Pondok Pesantren Manba’ul Huda memiliki banyak sumber daya ekonomi yaitu : Digital Printing. Blkk Menjahit, Ternak Kambing, dan Air Minum Dalam Kemasan. Dalam mengelola sumber daya ekonomi tersebut, pondok pesantren melakukan fungsi-fungsi manajemen, diantaranya: Perencanaan, Pengorganisasian, Pelaksanaan, Pengawasan dan evaluasi.
Pengaruh Earning Per Share, Price To Book Value dan Debt To Equity Ratio Terhadap Harga Saham Efek Syariah Tahun 2021-2023 Saefudin, Asep; Sudrajat, Anton
Cerdika: Jurnal Ilmiah Indonesia Vol. 4 No. 5 (2024): Cerdika: Jurnal Ilmiah Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/cerdika.v4i5.795

Abstract

Didalam dunia investasi dipasar modal Saham termasuk salah satu instrumen investasi yang paling mudah untuk kita memperoleh keuntungan. Membeli saham di pasar modal menandai kepemilikan sebagian perusahaan dan mendapatkan keuntungan berupa capital gain atau dividen. Agar investor mendapatkan keuntungan investasi yang maksimal dan resiko yang minimal, investor memerlukan analisa fundamental maupun teknikal. Analisa fundamental menggunakan indikator kondisi saham sebuah perusahaan, seperti halnya nilai pasar perusahaan, pembagian dividen, struktur permodalan, resiko kerugian dan keuntungan perusahaan. Sedangkan, pada analisa teknikal menggunakan pendekatan perubahan harga saham dari waktu ke waktu yang membentuk suatu pola atau trend. Tujuan penelitian ini adalah untuk mengetahui dan menganalisis ada atau tidaknya pengaruh antara Earning per Share (EPS) Price to Book Value (PBV) dan Debt to Equity Ratio (DER) terhadap Harga Saham pada Efek syariah. Jumlah anggota populasi saham syariah adalah 171 perusahaan yang diambil selama periode tiga tahun (2021-2023). Dan jumlah sampel yang memenuhi kriteria sebanyak 36 perusahaan, dengan pengamatan kinerjanya selama tiga tahun (2021-2023), sehingga jumlah keseluruhan sebanyak 108 pengamatan. Metode pengambilan sampel dilakukan dengan menggunakan purposive sampling. Metode pengujian hipotesis yang digunakan adalah analisis regresi linier berganda. Hasil penelitian ini adalah, 1) Earning Per Share berpengaruh signifikan terhadap harga saham. Hal ini ditunjukan dari hasil Uji statistic dengan nilai Probability 0,000 lebih rendah dari 0,05. 2) Price Too Book Value berpengaruh terhadap harga saham. Hal ini ditunjukan dari hasil Uji statistic dengan nilai Probability 0,000 lebih rendah dari 0,05. 3) Debt to Equity Ratio berpengaruh terhadap harga saham . Hal ini ditunjukan dari hasil Uji statistic dengan nilai Probability 0,009 lebih rendah dari 0,05. 4) Berdasarkan hasil uji statistik dalam penelitian ini diperoleh nilai f-hitung sebesar 31,834 dan f-tabel sebesar 3,080, maka f-hitung lebih besar f-tabel dengan signifikansi 0,000 lebih rendah dari 0,05. Sehingga Earning Per Share, Price Too Book Value dan Debt Equity Ratio, berpengaruh positif dan signifikan simultan terhadap Harga saham.
Pengaruh Adopsi Digital Banking Terhadap Kinerja Keuangan Bank Umum Syariah Dengan Efektivitas Pengelolaan Risiko Sebagai Variabel Moderas Haryogi, Jeryan; Bakhri, Syaeful; Sudrajat, Anton; Ghofar Saifudin, Abdul
Journal Of Islamic Economics And Finance Vol 5 No 2 (2025): Vol. 5 No. 2 (2025)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/jief.v5i2.9276

Abstract

This study aims to analyze the effect of digital banking adoption on the financial performance of Islamic commercial banks in Indonesia and to examine the moderating role of risk management effectiveness. The research employs a quantitative approach using secondary data from the financial statements of 12 Islamic commercial banks during 2021–2023, resulting in 36 observations. Data were analyzed using panel data regression, and the Random Effect Model was selected as the most appropriate model based on the Chow, Hausman, and Lagrange Multiplier tests. The results show that digital banking adoption has a positive but insignificant effect on financial performance, indicating that the benefits of digitalization have not been fully realized during the observation period. Risk management effectiveness also shows a negative and insignificant direct effect on financial performance. However, the interaction between digital banking adoption and risk management effectiveness demonstrates a positive and significant influence, suggesting that well-managed risk practices strengthen the impact of digital banking on profitability. These findings emphasize that digitalization alone is insufficient to enhance financial performance without strong and effective risk management systems supporting its implementation.