Article Per Year (5 Year)
p-Index From 2021 - 2026
1.648
P-Index
This Author published in this journals
All Journal Al-MARSHAD: Jurnal Astronomi Islam dan Ilmu-Ilmu Berkaitan Jurnal Kreativitas PKM Istinbath: Jurnal Hukum dan Ekonomi Islam Al-Khidmat : Jurnal Ilmiah Pengabdian Kepada Masyarakat Syaksia : Jurnal Hukum Perdata Islam Al-Hilal: Journal of Islamic Astronomy COMPARATIVA: Jurnal Ilmiah Perbandingan Mazhab dan Hukum Jurnal Kajian Hukum dan Sosial Edugama: Jurnal Kependidikan dan Sosial Keagamaan Jurnal of Islamic and Social
Ahmad Fadholi
IAIN Syaikh Abdurrahman Siddik Bangka Belitung
Religion Humanities Astronomy Chemistry Earth & Planetary Sciences Economics, Econometrics & Finance Education Health Professions Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

Published : 14 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 14 Documents
Search

 1   2 
Pengaruh Pengetahuan Keuangan, Gaya Hidup, Religiusitas Terhadap Pola Konsumsi Aparatur Sipil Negara (ASN) Pemerintah Kabupaten Bangka Purnama Sari; Hendra Cipta; Ahmad Fadholi
EJESH: Journal of Islamic Economics and Social Vol. 3 No. 2 (2025): EJESH: Jurnal of Islamic Economics and Social
Publisher : Master of Sharia Economics Program, IAIN Syaikh Abdurrahman Siddik Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/ejesh.v3i2.5319

Abstract

Islam positions consumption activities as one of the important aspects to obtain glory (falah) so that it needs to be controlled so that it runs in rhythm with Islamic teachings. The phenomenon of the State Civil Apparatus (ASN) sharing consumptive behavior, and hedonistic lifestyle on social media, has caused public criticism. The demand for simplicity of the State Civil Apparatus must be highlighted in front of the public, because basically the income of the State Civil Apparatus (ASN) is paid by state taxes, the value of the income of the State Civil Apparatus (ASN) is stable, so in this case financial knowledge plays an important role in the management of consumption patterns according to sharia principles.The credibility of the profession must be maintained by an ASN because his profession is vulnerable to social sanctions, so service performance and performance to the public are the main thing. One of the factors affects the consumption pattern of a person's level of religiosity, then lifestyle and financial knowledge. This study looks at the influence of financial knowledge, lifestyle and religiosity on the consumption patterns of the Civil Apparatus of the Bangka Regency Government. This study uses inferential quantitative statistical testing, namely the reciprocal relationships between different research variables and causality in a study, using a sample of 160 respondents reinforced by Power analysis and data analysis techniques used multiple regression tests. with the help of SPSS 26.0.0. The results of the hypothesis test (T-Test) partially show that the significance value of the variable X1 (Financial Knowledge) of 0.001 that H0 is rejected and H1 is accepted, meaning that there is an influence between Financial Knowledge and Consumption Patterns. X2 of 0.604 is greater than 0.05 where H0 is accepted and H1 is rejected, which means that Lifestyle does not have a significant effect on consumption patterns.Then the religiosity of X3 of 0.000 is less than 0.05 and a decision can be obtained that H0 is rejected and H1 is accepted, so that religiosity affects consumption patterns. The F value is calculated as 19.028 > the F table is 0.1552 or the p-value is 0.000 < 0.05, so the independent variable of Consumption Pattern simultaneously has a significant effect on the dependent variables, namely X1 (Financial Knowledge), X2 (Lifestyle), X3 (Religiosity).
Implementasi Jual Beli Melalui Transaksi E-Katalog Lokal di Pemerintah Kabupaten Bangka Barat Lailin Khasanatin; Tinggal Purwanto; Ahmad Fadholi
EJESH: Journal of Islamic Economics and Social Vol. 4 No. 1 (2026): EJESH: Jurnal of Islamic Economics and Social
Publisher : Master of Sharia Economics Program, IAIN Syaikh Abdurrahman Siddik Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/8d03ha92

Abstract

As times change, the issues and phenomena in muamalah fiqh—specifically regarding economic transactions—have become increasingly diverse, necessitating a more in-depth examination due to certain differences in application compared to classical muamalah fiqh. One such example is online commerce (e-commerce), particularly local e-catalogs. Thus, in buying and selling transactions in local e-catalogs, it is hoped that a fair, transparent trading environment can be created, in accordance with the principles of muamalah fiqh, which will ultimately bring benefits to all parties involved. This study aims to answer the following questions: (1) How is the application of buying and selling through local e-catalog transactions implemented in the West Bangka Regency Government? (2) How is the implementation of buying and selling through local e-catalog transactions in the West Bangka Regency Government analyzed from the perspective of Islamic Commercial Law? This research falls under the category of field research using a descriptive-analytical research method and data collection techniques such as observation, interviews, and documentation. The results of this study found that the implementation of the local e-catalog in Bangka Barat in 2023 has been quite effective, although there are still local government agencies that conduct procurement processes manually. A total of 2,397 products were listed, and 5,288 transactions were made, totaling Rp54,451,176,269. An analysis of the implementation of buying and selling through local e-catalog transactions, as viewed from the perspective of Islamic commercial law (fiqh al-muamalah), has fulfilled the principles of Islamic commercial law, namely the prohibition of injustice in commercial dealings, the prohibition of gharar (uncertainty), the prohibition of riba (usury), the prohibition of maysir (gambling), as well as the principles of honesty and trustworthiness.
Pengaruh Religiusitas dan Pengetahuan Terhadap Minat Aparatur Sipil Negara Kantor Kementerian Agama Kota Pangkalpinang Membayar Zakat Profesi Rani Puspa Dewi; Ahmad Fadholi; Priyanggo Karunia Rahman
EJESH: Journal of Islamic Economics and Social Vol. 4 No. 1 (2026): EJESH: Jurnal of Islamic Economics and Social
Publisher : Master of Sharia Economics Program, IAIN Syaikh Abdurrahman Siddik Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/fpbyw404

Abstract

Zakat is a fundamental pillar of Islam that serves not only as a form of worship but also as a socio-economic instrument to reduce poverty and inequality. Despite its great potential, the collection of professional zakat in Indonesia remains suboptimal, particularly among civil servants (ASN) who have a fixed income and are directly obligated to pay zakat. This study aims to examine the influence of religiosity and knowledge on the intention of ASN at the Pangkalpinang City Ministry of Religious Affairs Office to pay professional zakat through formal institutions. Using a quantitative approach with a survey design, data were collected from 75 Muslim ASN selected through purposive sampling. A structured questionnaire was used to measure religiosity, knowledge, and intention, and the data were analyzed using multiple linear regression with SPSS. The results indicate that religiosity and knowledge have a positive and significant influence on the intention to pay professional zakat. Civil servants with stronger religious commitment tend to consistently view zakat as a spiritual and moral obligation, while those with higher zakat literacy demonstrate a greater willingness to comply with institutional payment mechanisms. These findings underscore that religiosity provides spiritual motivation, whereas knowledge serves as a cognitive driver, and both are necessary to strengthen zakat compliance. This study suggests that zakat institutions and policymakers simultaneously enhance religious awareness and zakat education, complemented by institutional policies such as automatic payroll deductions, to optimize zakat collection and maximize its social impact.
Determinants of Musyarakah Financing (A Study of Sharia Rural Banks in Indonesia for the 2020–2024 Period) Aprianto; Ahmad Fadholi; Priyanggo Karunia Rahman
EJESH: Journal of Islamic Economics and Social Vol. 4 No. 1 (2026): EJESH: Jurnal of Islamic Economics and Social
Publisher : Master of Sharia Economics Program, IAIN Syaikh Abdurrahman Siddik Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/nm517949

Abstract

The development of Sharia Rural Banks (Bank Perekonomian Rakyat Syariah—BPRS) plays a strategic role in promoting profit-sharing-based financing, particularly musyarakah financing. However, fluctuations in financial performance and financing quality have led to differences in the capacity of BPRS to channel such financing. This study aims to analyze the effects of Total Assets, Third Party Funds (DPK), and Non-Performing Financing (NPF) on musyarakah financing, with Return on Assets (ROA) as a mediating variable, in BPRS in Indonesia. This study employs a quantitative approach using panel data derived from BPRS financial reports published by the Financial Services Authority (Otoritas Jasa Keuangan/OJK) during the 2020–2024 period. The analytical methods applied include panel data regression, path analysis, and the Sobel test to examine the mediating role of ROA. The results indicate that, partially, Total Assets have a positive and significant effect on ROA, Third Party Funds have a significant negative effect on ROA, and Non-Performing Financing has a significant effect on ROA. Simultaneously, Total Assets, Third Party Funds, and NPF significantly influence ROA, with very strong explanatory power. Furthermore, ROA is proven to have a positive and significant effect on musyarakah financing. The intervening variable analysis reveals that ROA is able to mediate the effects of Total Assets and Non-Performing Financing on musyarakah financing, but it does not mediate the effect of Third Party Funds. This study concludes that internal bank factors particularly asset size, financing quality, and profitability are the main determinants in promoting musyarakah financing in Sharia Rural Banks in Indonesia.
Co-Authors Ahmad Zulpan Al Fakhri Zakirman Amin, Muhammad Aprianto Duta Argesta Hendra Cipta Ismanto, Reno Lailin Khasanatin Muhammad Anwar Muhammad Basir Muhammad Rizky Petti Pitri Priyanggo Karunia Rahman Purnama Sari Purwanto, Tinggal Rani Puspa Dewi Winarno Winarno