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All Journal I-Finance Journal Jurnal Ekonomi dan Bisnis Islam al-Afkar, Journal For Islamic Studies Jurnal Istiqro' NISBAH: JURNAL PERBANKAN SYARIAH OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi Jurnal Tabarru': Islamic Banking and Finance Iqtishodia: Jurnal Ekonomi Syariah Indonesian Journal of Business Analytics (IJBA) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Journal of Ekonomics, Finance, and Management Studies
Khusnudin
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Interest of Food and Beverage MSMEs in Becoming Customers of Sharia Banks: The Role of Inclusion and Literacy Anis Tri Rahmawati; Khusnudin
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 3 (2025): 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.v6i3.6671

Abstract

The aim of this research is to analyze the influence of sharia financial inclusion and literacy on the interest of micro, small and medium enterprises (MSMEs) in the food and beverage sector of Malang City to become sharia bank customers. This research uses quantitative methods with descriptive and verification approaches. Data was obtained through a survey involving 100 respondents who were MSME players in the sector. The results of this research show that both inclusion and sharia financial literacy have a positive and significant influence on the interest of MSMEs to become sharia bank customers, both partially and simultaneously. With a coefficient of determination of 74%, these two independent variables are able to significantly explain the interest in becoming a sharia bank customer. This research emphasizes the importance of increasing accessibility and public understanding of sharia financial services to encourage MSME involvement in the sharia-based financial ecosystem.
Comparative Analysis of the Efficiency of Sharia and Conventional Life Insurance Industries in Indonesia Jannara Dewaji; Khusnudin
Indonesian Journal of Business Analytics Vol. 5 No. 2 (2025): April 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijba.v5i2.14244

Abstract

This study compares the efficiency of sharia and conventional life insurance in Indonesia using data envelopment analysis (DEA). Annual financial data from 24 sharia life insurance companies and 17 conventional life insurance companies for the period 2019–2023 were analyzed using the CRS, VRS, and SE approaches using MAX DEA 8 and Microsoft Excel. The results showed that based on the CRS and SE methods, 14 sharia life insurance companies and 6 conventional life insurance companies were efficient for five consecutive years. Meanwhile, based on the VRS method, there were 15 sharia life insurance companies and 9 conventional life insurance companies that were efficient in the same period. The main factors causing inefficiency are liabilities and operational expenses. This study emphasizes the importance of efficiency analysis in the life insurance industry to improve sustainability, support economic growth, and community welfare.
Digitalisasi Pembayaran Zakat Dalam Upaya Meningkatkan Efektivitas Penghimpunan Dan Pengeloaan Zakat (Studi Kasus Baznas Kota Malang) Maimuna, Islamiyah; Eko Suprayitno; Khusnudin
OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi Vol 9 No 2 (2025): OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi
Publisher : Fakultas Keguruan Dan Ilmu Pendidikan Universitas Pasundan

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

Abstract

Zakat digitalization is a form of technological adaptation in the Islamic financial system aimed at optimizing the collection and management of zakat in an efficient, transparent, and well-targeted manner. Despite the vast potential of zakat in Indonesia, actual collection remains low. Moreover, challenges such as distribution inequality and limited digital literacy persist in society. In response, BAZNAS Kota Malang has begun to adopt various digital platforms in its zakat services. This study aims to identify and analyze the effectiveness of zakat collection and management at BAZNAS Kota Malang, to examine the strategies used to increase youth participation through digital platforms, and to assess the conformity of digital zakat payment contracts with sharia principles. The research employs a qualitative approach with a case study method. Data were obtained through interviews, observation, and documentation. The findings indicate that zakat digitalization has improved the effectiveness of zakat collection and management by enhancing accessibility, transaction efficiency, and transparency. BAZNAS Kota Malang utilizes various digital channels such as an official website, e-wallets, QRIS, and collaborations with Islamic banks. However, challenges remain, particularly regarding the sharia compliance of digital contracts and uneven levels of digital literacy in the community. This study recommends ongoing education and the strengthening of sharia aspects in digital zakat services.
Islamic Economic Thought in the Umayyad Era: A Review of the Financial and Tax Systems Al Maulud; Khusnudin
al-Afkar, Journal For Islamic Studies Vol. 8 No. 4 (2025)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v8i4.1829

Abstract

This study focuses on the financial system and zakat in the Umayyad era from the perspective of Islamic economic thought. This study will include an analysis of the banking system applied. This study uses a literature review method to examine the financial and tax systems in the Umayyad era from the perspective of Islamic economic thought. The focus of this study lies in the use of currency, banking system, types of taxes and how they are managed. Data will be collected through relevant literature, such as books on the history of the Umayyad government, works of Islamic historians and economists, and primary sources such as historical documents and official documents of the Umayyad government. The results of this study are that the financial and zakat systems during the Umayyad era had advantages in terms of infrastructure development, good cash management, and structured banking regulations. However, there are weaknesses, such as limited regulations, many violations, and error limits. Therefore, public financial management at that time still needed improvement and refinement to increase efficiency and equity. These principles are still relevant in modern financial and tax management. Therefore, the concept of Islamic economics during the Umayyad era can be used as a valuable reference for fair and transparent financial and tax management, as well as ensuring equal distribution of income and opportunities for all members of society. These principles are still relevant today and can be a reference in the development of modern Islamic economics. Thus, the Umayyad era shows that Islamic economic principles can function well if implemented in accordance with the principles of justice, transparency, and efficiency.
Co-Authors Al Maulud Anis Tri Rahmawati AUNUR ROFIQ Dinda Ruliana Dewi Egie Nugraha, Diki Eko Suprayitno Emiliani Hilmi Maulana, Muhammad Jannara Dewaji Jauharudin, Fahmi Kevin Junjung Miharta Maimuna, Islamiyah Muhammad Iqbal Fatoni Muhtadi Ridwan Rahmad Kurniawan Riska Widya Abiba Rofiq , Aunur Rosyidi, Laily