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All Journal Tsarwah : Jurnal Ekonomi dan Bisnis Islam Arus Jurnal Sosial dan Humaniora Arus Jurnal Psikologi dan Pendidikan Mutanaqishah: Journal of Islamic Banking AT TARIIZ : Jurnal Ekonomi dan Bisnis Islam
Sulaeman Jajuli
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Pengaruh Social Marketing Campaign dan Kepekaan Sosial terhadap Jumlah Donatur ZIS di saat Pandemi (Studi Kasus LAZ Harfa Banten) Anton Purwanto; Oom Mukarromah; Sulaeman Jajuli
TSARWAH Vol 7 No 1 (2022): June
Publisher : PROGRAM STUDI EKONOMI ISLAM PROGRAM PASCASARJANA IAIN SULTAN MAULANA HASANUDDIN BANTEN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/tsarwah.v7i1.6566

Abstract

This study aims to determine whether social marketing campaigns and social sensitivity have a simultaneous and partial effect on the number of donors of Zakat, Infak, and Alms (ZIS) during the Covid-19 pandemic at the Amil Zakat Institution of Harapan Dhuafa Banten. The method is descriptive quantitative using a questionnaire with a Likert scale. The object of this research is LAZ Harapan Dhuafa Banten, where the sample taken is 30 respondents from the amil staff of LAZ Harfa Banten in the period November 2021. The data analysis method used in this study is a prerequisite test (classical assumption test). multiple regression analysis, F test and T test with the help of SPSS version 26.0 application program to prove each hypothesis of this research. The test results in this study indicate that: (1) partially the Social Marketing Campaign (X1) variable does not have a negative and insignificant effect on the Number of Donors of ZIS (Y), where tcount < ttable i.e. 1.638 < 1.701. (2) partially the Social Sensitivity variable (X2) has a significant or positive effect on the number of ZIS donors (Y), where tcount > ttable is 2,688 > 1,701. (3) Simultaneously the variables of Social Marketing Campaign (X1) and Social Sensitivity (X2) have a positive and significant effect on the Number of Donors of ZIS (Y), where Fcount > Ftable (15,068 > 3,34). Thus, these two variables can be factors that affect the number of ZIS donors at LAZ Harfa Banten during a pandemic.
THE ROLE OF ZISWAF INSTITUTIONS IN INCREASING THE ECONOMIC INDEPENDENCE OF VULNERABLE COMMUNITIES Mabruroh, Ahda Inayati; Itang; Sulaeman Jajuli
AT TARIIZ : Jurnal Ekonomi dan Bisnis Islam Vol 4 No 03 (2025): AT TARIIZ : JURNAL EKONOMI DAN BISNIS ISLAM
Publisher : Pusat Studi Ekonomi, Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/attariiz.v4i03.1703

Abstract

This study aims to explore in depth the role of productive economic empowerment strategies carried out by ZISWAF institutions. The research method used is a literature study with a qualitative approach, which focuses on literature search, analysis of various previous research results, and conceptual interpretation of the role of ZISWAF in community economic development. The results of the study show that ZISWAF institutions not only function as distributors of social funds to mustahik groups, but also play a strategic role as agents of economic transformation. This can be seen from the programs they run, including productive zakat management, skills training, small business assistance, and community development based on Islamic values. Through these programs, ZISWAF does not merely provide short-term assistance, but also builds the economic foundation of the community to be more independent and competitive. Furthermore, the empowerment strategy implemented by ZISWAF institutions has advantages in terms of sustainability. This is because the programs emphasize the economic independence of mustahik, so that they not only receive assistance but are also encouraged to become muzaki in the future.
Pengaruh Non-Performing Financing, Financing To Deposit Ratio, Biaya Operasional terhadap Pendapatan Operasional, dan Capital Adequacy Ratio terhadap Return On Equity Pada PT Bank Panin Dubai Syariah Tahun 2014-2024 Sheva Devany, Nabila; Sulaeman Jajuli; Wazin Baihaqi
Arus Jurnal Sosial dan Humaniora Vol 5 No 2: Agustus (2025)
Publisher : Arden Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57250/ajsh.v5i2.1671

Abstract

Return on Equity (ROE) merupakan indikator utama kinerja keuangan yang mencerminkan kemampuan bank syariah menghasilkan laba. Fluktuasi ROE pada PT Bank Panin Dubai Syariah dalam beberapa tahun terakhir menunjukkan adanya tantangan dalam pengelolaan risiko kredit, likuiditas, efisiensi operasional, dan kecukupan modal. Penelitian ini bertujuan untuk menganalisis pengaruh Non-Performing Financing, Financing to Deposit Ratio, Beban Operasional terhadap Pendapatan Operasional, dan Capital Adequacy Ratio terhadap ROE. Penelitian menggunakan pendekatan kuantitatif dengan menggunakan data sekunder yang berupa data triwulan yang dipublikasikan oleh PT Bank Panin Dubai Syariah tahun 2014-2024, dengan teknik analisis data adalah Error Correction Model dengan tingkat signifikansi 5%, melalui lima tahap pengujian: Uji Stasioneritas Data, Uji Kointegrasi, Model Jangka Pendek, Uji Asumsi Klasik, dan Model Jangka Panjang, dengan bantuan software Eviews 13. Hasil penelitian menunjukkan bahwa secara parsial, BOPO dan NPF memiliki pengaruh signifikan terhadap Return on Equity, dengan nilai probabilitas masing-masing 0.0000 dan 0,0263 (< 0.05). Hal ini disebabkan karena peningkatan NPF mencerminkan tingginya pembiayaan bermasalah yang secara langsung menurunkan pendapatan bank dan menekan profitabilitas, sedangkan tingginya BOPO menunjukkan kurangnya efisiensi operasional yang menyebabkan beban biaya lebih besar daripada pendapatan, sehingga menurunkan ROE. Sedangkan FDR dan CAR tidak memiliki pengaruh signifikan secara parsial terhadap ROE, dengan nilai probabilitas masing-masing 0,9471, dan 0,3585 (> 0.05). Ketidaksignifikanan FDR menunjukkan bahwa meskipun likuiditas bank terjaga, penyaluran dana ke pembiayaan belum mampu meningkatkan laba secara langsung. Capital Adequacy Ratio yang tinggi lebih berfungsi sebagai penyangga risiko jangka panjang dan tidak serta-merta berdampak terhadap perolehan laba dalam jangka pendek. Namun, secara simultan, variabel Non-Performing Financing, Financing to Deposit Ratio, Beban Operasional Terhadap Pendapatan Operasional, dan Capital Adequacy Ratio, secara signifikan mempengaruhi Return on Equity, dibuktikan dengan nilai probabilitas F-Statistic 0.00000 (< 0.05). Pada model jangka pendek dan jangka panjang, hubungan signifikan antar variabel ditunjukkan dengan nilai probabilitas EC 0.0000 (< 0.05).
Pengaruh Literasi Zakat, Kepercayaan, Transparansi dan Religiusitas terhadap Keputusan Muzaki dalam Membayar Zakat Melalui Lembaga Nurfauziah; Sulaeman Jajuli
Arus Jurnal Psikologi dan Pendidikan Vol 4 No 3: Oktober (2025)
Publisher : Arden Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57250/ajpp.v4i3.1712

Abstract

Potensi zakat di Indonesia mencapai Rp327,6 triliun per tahun, namun realisasinya baru sekitar 10% dari potensi. Di Provinsi Banten, BAZNAS baru mampu menghimpun sekitar 8,5% dari potensi zakat yang ada. Rendahnya penghimpunan zakat melalui lembaga berdampak pada tidak optimalnya pendistribusian dana zakat, sehingga menghambat fungsi zakat sebagai instrumen kesejahteraan dan keadilan sosial. Minimnya partisipasi muzaki dalam membayar zakat melalui lembaga dapat disebabkan oleh lemahnya literasi zakat, rendahnya kepercayaan terhadap lembaga pengelola zakat, kurangnya transparansi pengelolaan, serta tingkat religiusitas masyarakat yang belum merata. Penelitian ini bertujuan untuk menganalisis pengaruh literasi zakat, kepercayaan, transparansi, dan religiusitas terhadap keputusan muzaki dalam membayar zakat melalui lembaga, dengan fokus pada BAZNAS Provinsi Banten. Pendekatan yang digunakan adalah kuantitatif melalui metode survei terhadap 100 responden. Data dianalisis menggunakan regresi linier berganda. Hasil uji t yang kemudian dibandingkan dengan nilai t tabel pada taraf signifikansi 10% diperoleh t tabel sebesar 1,290. Nilai t hitung untuk masing-masing variabel: literasi zakat (2,814), kepercayaan (1,913), transparansi (6,403), dan religiusitas (6,316). Ini menunjukkan keempat variabel berpengaruh positif dan signifikan terhadap keputusan muzaki. Nilai koefisien determinasi (R²) sebesar 0,754 menunjukkan bahwa 75,4% keputusan muzaki dijelaskan oleh variabel independen, sementara 24,6% sisanya dipengaruhi oleh faktor lain. Hasil penelitian menegaskan pentingnya strategi peningkatan literasi zakat, penguatan kepercayaan publik, penerapan transparansi yang tinggi, dan pengembangan religiusitas dalam mendorong optimalisasi zakat kelembagaan demi terwujudnya kesejahteraan masyarakat yang lebih merata.
The Influence of Productive Social Funds and Zakat Funds on The Development of MSMEs: Comparative Study of Social Services and BAZNAS Cilegon City Fennty Septiani; Sulaeman Jajuli; Bani Idris Hidayanto
Mutanaqishah: Journal of Islamic Banking Vol. 4 No. 1 (2024): June 2024
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v4i1.1574

Abstract

Direct Cash Assistance from the Village Fund is the term used to refer to government support that is allocated directly from the state budget. In addition to the community, they are also able to receive financial support from zakat in the form of productive assistance for micro, small, and medium enterprises (UMKM). This study employs descriptive quantitative research methods, specifically research that collects data in numerical form. The main sources of data for this research come from individuals who receive social assistance from Cilegon City Social Service and productive zakat from BAZNAS Cilegon City. Researchers collected primary data by interviewing and surveying these recipients. Providing social funds and productive zakat funds greatly impacts the growth of MSMEs. Social service and BAZNAS Cilegon City assist and manage the funds to ensure they are utilized properly for MSME development, improving the community's quality of life. The distribution of funds at BAZNAS Cilegon City is effectively done in cash for business capital, including home industries and small stalls. Currently, the distribution of social aid at DINSOS Cilegon City is not working well as the beneficiaries keep changing every year.
Co-Authors Anton Purwanto Bani Idris Hidayanto Fennty Septiani Itang Mabruroh, Ahda Inayati Nurfauziah Oom Mukarromah Sheva Devany, Nabila WAZIN WAZIN, WAZIN