Article Per Year (5 Year)
p-Index From 2021 - 2026
1.431
P-Index
This Author published in this journals
All Journal JURNAL DINAMIKA EKONOMI PEMBANGUNAN Jurnal Keuangan dan Perbankan AKUNTANSI DEWANTARA Economica: Jurnal Ekonomi Islam Al-Muzara'ah EKUITAS (Jurnal Ekonomi dan Keuangan) Business Management Journal Program Studi Manajemen Al-Kharaj: Journal of Islamic Economic and Business Jurnal Penelitian Journal of Islamic Economics, Management, and Business (JIEMB) Journal of Islamic Economics Lariba Journal of Business, Social and Technology Jurnal Studi Islam dan Sosial
Muchlis Yahya
Universitas Islam Negeri Walisongo Semarang
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

Published : 15 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 15 Documents
Search

 1   2 
Konsep Bunga Anti Riba Dalam Persepektif Prinsip Ekonomi Islam pada Lembaga Keuangan Syariah setiawan, Indra Setiawan; Yahya, Muchlis; Yahya, Imam; Sukendar, Sukendar
Lisyabab : Jurnal Studi Islam dan Sosial Vol 5 No 1 (2024): Lisyabab, Jurnal Studi Islam dan Sosial
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM) Sekolah Tinggi Agama Islam Mulia Astuti (STAIMAS) Wonogiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58326/jurnallisyabab.v5i1.251

Abstract

This study aims to compare the fundamental principles about interest conventional banks and analyze their implications for Islamic banking practices. The approach used is a comparative analysis between the fundamental principles of conventional banks and Islamic banks based on relevant literature. The analysis results indicate that conventional banks adopt an interest-based system as compensation for the use of money, while Islamic banks use profit-sharing principles in accordance with Sharia principles. Additionally, Islamic banks also impose limitations on the allocation of funds to businesses deemed incompatible with Sharia principles. This comparison reveals fundamental differences in the basic principles and banking practices between the two types of banks. Islamic banks emphasize justice and sustainable economic development, while conventional banks focus more on using interest as compensation for the use of money. Thus, Islamic banks offer alternatives that align with Islamic values and can contribute to inclusive and sustainable economies.
Why Zakat Collection in Indonesia is Not As Effective As it is in Malaysia Purwatiningsih, Aris Puji; Yahya, Muchlis
Jurnal Penelitian Vol 14, No 1 (2020): JURNAL PENELITIAN
Publisher : LP2M IAIN kUDUS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/jp.v14i1.6785

Abstract

The purpose of this article is to find out the practices and problems of why zakat in Indonesia have not been manage optimally as it is in Malaysia. This study applies descriptive method by collecting data and information from previous articles about zakat, especially zakat management in Indonesia and Malaysia. The findings show that the main problems in managing zakat in Indonesia are: first, there is no government regulation that requires all Muslim citizens who have property that reach nisab requirement to give out zakat. Secondly, Moslem community prefers to pay zakat to the people whom they have already known rather than to the existing formal zakat institutions. Third, there is a lack of good cooperation between zakat institutions owned by the government and the other institutions run by private parties. The result of this of this study may be useful to be used by all parties involved in zakat management so that it can be managed more optimal.
Sharia-compliant financing as fiscal policy instrument: an Islamic economic approach to budget deficit management Kartika Marella Vanni; Muchlis Yahya; Ali Murtadho; Fita Nurotul Faizah
Journal of Islamic Economics Management and Business (JIEMB) Vol. 7 No. 1 (2025)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2025.7.1.26208

Abstract

Budget deficits are a recurring fiscal challenge for many countries, including Indonesia, where reliance on conventional financing methods such as interest-based debt often imposes long-term economic burdens. This study explores the potential of Islamic financial instruments as an alternative solution to address budget deficits, emphasizing sustainability, fairness, and compliance with sharia principles. Using a qualitative approach through literature review and descriptive analysis, the research examines the implementation and effectiveness of instruments such as sukuk, crowdfunding, and securities crowdfunding based on sukuk. The findings reveal that these sharia-compliant tools not only provide viable financing options without the burden of interest but also foster public participation and uphold social justice principles. The study highlights the importance of strengthening regulatory frameworks and integrating Islamic financial systems into national fiscal policies to create a more inclusive, stable, and ethical financing ecosystem. The implications of this research underscore the potential of Islamic finance to contribute to sustainable economic development while adhering to ethical and religious values.
Governance violations and their impact on business growth: A case study of Sharia Rural Bank Saka Dana Mulia Kudus Sumarno, Sumarno; Yahya, Muchlis; El Junusi, Rahman; Murtadho, Ali; Elizabeth, Misbah Zulfa; Abdullah, Irwan
Journal of Islamic Economics Lariba Vol. 12 No. 1 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss1.art28

Abstract

IntroductionGovernance failure in Islamic rural banking remains a critical challenge because weak implementation of prudential principles, ineffective oversight, and inadequate risk management can threaten institutional sustainability and ultimately result in the revocation of an operating license. Although governance has been extensively discussed in Islamic banking, comprehensive evidence explaining how governance violations, liquidity risk, and capital inadequacy jointly contribute to institutional failure remains limited, particularly among Sharia Rural Banks in Indonesia.ObjectivesThis study aims to identify the types of governance violations that occurred at Sharia Rural Bank Saka Dana Mulia Kudus, analyze the implementation of good corporate governance and Islamic corporate governance, examine the relationship between governance failure, liquidity risk management, and minimum capital adequacy, and evaluate their impact on sustainable business growth.MethodThis study employed a qualitative approach using a single-case study design focusing on Sharia Rural Bank Saka Dana Mulia Kudus. Secondary data were collected from regulatory documents, banking publication reports, financial statements, official policies, media reports, and academic literature covering the period from 2020 to 2024. Document analysis, thematic coding, and source triangulation were applied to identify governance failures, liquidity risk, capital adequacy issues, and their consequences for banking performance and business continuity.ResultsThe findings reveal that governance failure resulted from the ineffective performance of the board of directors and board of commissioners, weak implementation of prudential principles, inadequate liquidity risk management, failure to satisfy minimum capital adequacy requirements, and ineffective Sharia compliance oversight. These weaknesses caused severe deterioration in financial performance, reflected by extremely high non-performing financing, declining profitability, insufficient liquidity reserves, negative capital adequacy, and continuing operating losses. The resulting decline in depositor confidence, reduction in third-party funds, unsuccessful restructuring efforts, and worsening financial health ultimately led to the revocation of the bank’s operating license and significantly hindered business growth.ImplicationsThe findings emphasize the importance of strengthening governance structures, improving liquidity risk management, ensuring sustainable capital adequacy, enhancing the effectiveness of the Sharia Supervisory Board, and implementing more proactive regulatory supervision and early warning mechanisms to safeguard institutional stability and promote sustainable growth in Islamic rural banking.Originality/NoveltyThis study provides a comprehensive analytical framework integrating governance failure, liquidity risk management, minimum capital adequacy, and Islamic corporate governance to explain institutional failure in a Sharia Rural Bank. It offers practical early warning indicators for regulators and banking practitioners while demonstrating that Islamic institutional identity alone does not guarantee effective governance without substantive oversight, prudent management, and integrated risk control.
Compensation and Islamic Corporate Governance as Predictors of Fraud Tendency: The Moderating Role of Religiosity among BMT Employees in Semarang Rifka Fitriyani Ainurriza; Muchlis Yahya; Joko Prasetiyo
Journal of Business, Social and Technology Vol. 7 No. 4 (2026): Journal of Business, Social and Technology
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/jbt.v7i4.752

Abstract

Background: Fraud exposure can erode the legitimacy and operational resilience of Islamic microfinance institutions. Objective: This study assesses whether compensation and Islamic Corporate Governance (ICG) are related to employees’ fraud tendency and whether religiosity changes these relationships. Methods: A cross-sectional questionnaire survey of 78 employees from BMTs affiliated with PBMTI MPD Semarang City was analysed using partial least squares structural equation modelling in SmartPLS 3.0. Results: Higher compensation and stronger ICG were associated with lower fraud tendency. Religiosity significantly interacted with compensation, but its interaction with ICG was not statistically significant. Conclusion: Fraud-risk management in BMTs should combine fair and transparent remuneration with sharia-oriented governance; individual religiosity may reinforce the compensation-related association.
Co-Authors Abdillah, Cahaya Ahmad Faqih Udin Ali Murtadho Arif Afendi Baehaqi Edy Yusuf Agung Gunanto Fita Nurotul Faizah Imam Yahya Joko Prasetiyo Kamaluddin Nurdin Marjuni Kartika Marella Vanni Marjuni, Kamaluddin Nurdin Misbah Zulfa Elizabeth Puji Purwatiningsih, Aris Rahman El Junusi Rahmiyanti, Firdha Rifka Fitriyani Ainurriza setiawan, Indra Setiawan Shovia Indah Firdiyanti Sumarno .