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All Journal International Journal of Zakat (IJAZ) Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah
Saparuddin Siregar
UIN Sumatera Utara, Medan
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Menakar Manajemen Resiko Pada Perbankan Syariah M. Yahya; Saparuddin Siregar; Sugianto
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 6 No 2 (2021): Juli-Desember
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v6i2.1155

Abstract

Risk management is an important element whose implementation is very important, especially in the Bank as a financial institution. In a rapidly developing external and internal banking environment, Islamic banks are always faced with various types of risks with varying degrees of complexity and inherent in their business activities. The result of this article is an Islamic bank operational risk management process which includes risk identification, risk assessment, risk anticipation, and risk monitoring arising from bank business activities. In the risk management process, the initial stage of Islamic banks must correctly recognize and understand and identify all risks, existing bank risks (inherent risks) and those that may arise from a new bank business. Furthermore, successively, Islamic banks need to measure, monitor and control risk. This process is continuous, so it becomes a lifecycle. Keywords: Risk management, Islamic Bank
Does the Mustahik Demographic and Socio-Cultural Affect to the Successful of Poverty Alleviation? Budi Trianto; Saparuddin Siregar; M. Yasir Nasution
International Journal of Zakat Vol 5 No 1 (2020): International Journal of Zakat
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37706/ijaz.v5i1.208

Abstract

Zakat institutions have a very important role in alleviating poverty in a country through various programs that they make. One of the poverty alleviation programs carried out by zakat institutions is mustahik empowerment in the economic field. In socio-cultural and demographic terms, surely every mustahik who participates in the program has differences. By involving 105 respondents from four zakat organizations in Pekanbaru, this study aims to find out whether mustahik demography and socio-cultural have influenced the success of the mustahik empowerment program in alleviating poverty by using a logistic regression approach. In the demographic variables, the finding shows only two from six variables that have an effect on the success in eradicating mustahik poverty, namely the household members and employment status with the odds ratio of each variable of 1,540 and 2,385. The other variables that did not significantly influence were gender, education level, age and location of residence. Meanwhile, for the three socio-cultural variables, the finding is only one variable that affects the success of the empowerment program, namely family culture with an odds ratio of 2,861. Variable society habits and religiosity do not significantly influence. The results of this study have implications for the empowerment program that in carrying out the mustahik empowerment program, zakat institutions must pay attention to socio-cultural and mustahik demographics in order to get maximum results.
Co-Authors Budi Trianto M. Yahya M. Yasir Nasution Sugianto