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All Journal Signifikan : Jurnal Ilmu Ekonomi INFERENSI IQTISHADIA An-Nisbah: Jurnal Ekonomi Syariah Ikonomika : Jurnal Ekonomi dan Bisnis Islam al-Uqud : Journal of Islamic Economics Shirkah: Journal of Economics and Business Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Share: Jurnal Ekonomi dan Keuangan Islam Journal of Islamic Economics Lariba Jurnal Magister Ekonomi Syariah An-Nisbah: Jurnal Ekonomi Syariah Al-bank: Journal of Islamic Banking and Finance
Misnen Ardiansyah, Misnen
Faculty of Islamic Economics and Business, State Islamic University (UIN) Sunan Kalijaga Yogyakarta
Religion Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Localizing the SDGs: A Case Study of Collaborative Models between BUM Desa and Pesantren in Central Java Marimin, Agus; Ardiansyah, Misnen; Indra Jaya, Pajar Hatma
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 14 No. 2 (2025): IN PROGRESS
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.31500

Abstract

Achieving the Sustainable Development Goals (SDGs) at the village level requires collaboration across institutions. However, such collaboration is often hindered by differing institutional orientations and interests. Village-Owned Enterprises (BUM Desa), which aim to strengthen the local economy, hold significant potential for strategic partnerships. Unfortunately, cooperation between BUM Desa and other institutions such as Islamic boarding schools (pesantren), remains limited. Pesantren, as socio-religious institutions, have strong community networks and considerable influence. This study explores a collaboration model between BUM Desa and the Modern Islamic Boarding School (PPMI) Assalam in Sukoharjo Regency. It aims to analyze how these institutions, despite their distinct orientations, work together to support SDG implementation. Using a qualitative case study approach, data were gathered through interviews with BUM Desa managers, pesantren leaders, village officials, and community figures, alongside observations and document analysis. Thematic analysis was conducted through data collection, condensation, presentation, and conclusion stages. Findings reveal nine joint initiatives: four in the economic sector, three in the social sector, and two in the environmental sector. The success of this collaboration is driven by five key factors: (1) initial conditions, (2) institutional design, (3) facilitative leadership, (4) collaborative dynamics such as trust, dialogue, and shared understanding, and (5) tangible outcomes aligned with SDG targets. This study integrates collaborative governance, social enterprise, stewardship, and sharia enterprise theories. Practically, it offers guidance for policymakers and local leaders to develop culturally grounded partnerships that connect economic innovation with social and spiritual legitimacy, accelerating SDG achievement at the village level. Abstrak Mewujudkan SDGs di Tingkat Lokal: Studi Kasus Model Kolaborasi antara BUM Desa dan Pesantren di Jawa Tengah. Pencapaian Tujuan Pembangunan Berkelanjutan (SDGs) di tingkat desa memerlukan kolaborasi antar-lembaga. Namun, kolaborasi ini sering terhambat oleh perbedaan orientasi dan kepentingan kelembagaan. Badan Usaha Milik Desa (BUM Desa), yang bertujuan memperkuat ekonomi lokal, memiliki potensi besar untuk membangun kemitraan strategis. Sayangnya, kerja sama antara BUM Desa dan lembaga lain seperti pesantren, masih terbatas. Padahal, pesantren sebagai lembaga sosial-keagamaan memiliki jaringan kuat dan pengaruh besar di masyarakat. Penelitian ini mengkaji model kolaborasi antara BUM Desa dan Pondok Pesantren Modern Islam (PPMI) Assalam di Kabupaten Sukoharjo. Tujuannya adalah menganalisis bagaimana kedua lembaga dengan orientasi berbeda dapat bekerja sama dalam mendukung implementasi SDGs. Pendekatan kualitatif dengan metode studi kasus digunakan, dengan pengumpulan data melalui wawancara dengan pengelola BUM Desa, pimpinan pesantren, aparat desa, dan tokoh masyarakat, serta observasi dan analisis dokumen. Analisis tematik dilakukan melalui tahapan pengumpulan, kondensasi, penyajian, dan penarikan kesimpulan. Hasil penelitian menunjukkan sembilan inisiatif bersama: empat di sektor ekonomi, tiga di sektor sosial, dan dua di sektor lingkungan. Keberhasilan kolaborasi ini didorong oleh lima faktor utama: (1) kondisi awal, (2) desain kelembagaan, (3) kepemimpinan fasilitatif, (4) dinamika kolaboratif seperti kepercayaan, dialog, dan pemahaman bersama, dan (5) hasil nyata yang selaras dengan target SDGs. Studi ini menggabungkan teori tata kelola kolaboratif, kewirausahaan sosial, stewardship, dan kewirausahaan syariah. Secara praktis, studi ini memberikan panduan bagi pembuat kebijakan dan pemimpin lokal untuk merancang kemitraan berbasis budaya yang menghubungkan inovasi ekonomi dengan legitimasi sosial dan spiritual dalam percepatan SDGs di tingkat desa.
Impact of Zakat-Based Business Capital on Mustahiq's Welfare Post-Disaster in Sigi Regency Hasanah, Uswatun; Anwar, Syamsul; Ardiansyah, Misnen
Signifikan: Jurnal Ilmu Ekonomi Vol. 12 No. 1 (2023)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v12i1.25178

Abstract

This study investigates the BAZNAS Microfinance Desa (BMD) Sigi program’s impacts on the material and spiritual well-being of the Mustahiq (zakat beneficiaries). The quantitative CIBEST model and qualitative observation were performed on 100 households recruited using a random sampling technique. The results show that BMD Sigi’s program positively impacted Mustahiq’s material and spiritual well-being, with increases of 35.39% and 10%, respectively. The welfare index rose 19%, and the material poverty index fell by 1%. Both spiritual poverty and the absolute index fell by 6% and 12%, respectively. Our direct observation further supports the quantitative findings, showing that monitoring and technical support provided by BMD Sigi is crucial for the successful implementation of the program. This study contributes to the novelty of measuring the impact of zakat distribution on productive means using quantitative and qualitative approaches with particular evidence from a post-disaster area.JEL Classification: D64, I38, L31, Z12How to Cite:Hasanah, U., Anwar, S., & Ardiansyah, M. (2023). Impact of Zakat-Based Business Capital on Mustahiq’s Welfare Post-Disaster in Sigi Regency. Signifikan: Jurnal Ilmu Ekonomi, 12(1), 175-190. https://doi.org/10.15408/sjie.v12i1.25178.
DINAMIKA HUBUNGAN FOREIGN DIRECT INVESTMENT (FDI), MAKROEKONOMI DAN RETURN INDEKS SAHAM SYARIAH DI EMPAT NEGARA ASEAN Fitriyanto, Nur; Ardiansyah, Misnen; Wibowo, Muhammad Ghafur; Satibi, Ibi
An-Nisbah: Jurnal Ekonomi Syariah Vol 8 No 2 (2021): An-Nisbah
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v8i2.4471

Abstract

Negara-negara kawasan Asia Tenggara tengah menyongsong integrasi pasar modal. Kehadiran momentum itu, dibutuhkan kondisi ekonomi masing-masing negara yang stabil dan pasar modal yang menarik. Momentum ini juga merupakan kesempatan pasar modal syariah untuk lebih dikembangkan di kawasan ini. Penelitian ini bertujuan untuk menguji pengaruh Foreign Direct Investment (FDI) dan variabel ekonomi makro yakni pertumbuhan ekonomi, inflasi, suku bunga acuan dan nilai tukar terhadap return indeks saham syariah di empat negara ASEAN yaitu Indonesia, Malaysia, Thailand dan Singapura. Periode penelitian sejak kuartal IV tahun 2006 sampai dengan kuartal I tahun 2020. Metode yang digunakan dalam pembuktian empiris pada penelitian ini adalah Autoregressive Distributed Lag Bounds Testing Approach (ARDL). Penelitian ini menemukan hubungan kointegrasi jangka panjang pada semua negara objek penelitian. Dalam hubungan jangka panjang dan dinamika jangka pendek, penelitian ini menemukan adanya variasi hasil dan arah koefisien di 4 negara ASEAN. Kecepatan penyesuaian kembali keseimbangan jika terjadi goncangan berturut-turut Indonesia, Malaysia, Thailand dan Singapura adalah 44.7%, 65.4%, 43.5% dan 50.0% per bulannya.
Determinants of Return on Equity in Sharia Bank in Indonesia Daulay, Muhammad Apis; Satriana, Desmi; Ardiansyah, Misnen
Al-bank: Journal of Islamic Banking and Finance Vol. 5 No. 2 (2025): July - Desember 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i2.15812

Abstract

This study examines the influence of several financial indicators Firm Size, BOPO, NOM, DER, FDR, DPK, NPF, and CAR on Return on Equity (ROE) in Indonesian Sharia Banks from 2013 to 2022. Using a quantitative approach with secondary data sourced from the Financial Services Authority (FSA) and banks’ annual reports, the study employed panel data regression with model selection among Common Effect Model (CEM), Fixed Effect Model (FEM), and Random Effect Model (REM). The REM was identified as the most suitable model. The results reveal that NOM and DPK have a positive and significant impact on ROE, while BOPO, DER, and NPF negatively and significantly affect ROE. These findings offer insights into optimizing financial strategies in Islamic banking in Indonesia
Psychosocial Strains and Default Behavior in Islamic Fintech: An Urban-Rural GST Perspective Yudha, Ana Toni Roby Candra; Haryono, Slamet; Ardiansyah, Misnen
al-Uqud : Journal of Islamic Economics Vol. 9 No. 2 (2025): July (In press)
Publisher : Universitas Negeri Surabaya

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

Abstract

This study explores the psychosocial drivers of loan default among Millennials and Gen Z users of Islamic fintech microfinance in Indonesia, using General Strain Theory (GST) to compare urban and rural contexts. Data from 307 respondents were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The findings reveal significant differences: in urban areas, default intention is shaped by social difficulties, inferiority feelings, life dissatisfaction, loneliness, and weakened moral norms, while in rural settings, loneliness is the sole significant factor. Economic pressure was not a dominant predictor, highlighting the greater role of psychosocial strain. These insights suggest that fintech companies should enhance credit risk models by integrating social and psychological indicators. Interventions such as financial literacy, moral education, and community-based support are crucial, especially for rural users facing social isolation. The study contributes a novel integration of GST within the context of Islamic fintech, offering both theoretical depth and practical guidance for inclusive and ethical fintech development.
Co-Authors Abdul Qoyum Agus Marimin, Agus Ahmad Danu Syaputra, Ahmad Danu Ana Toni Roby Candra Yudha Aris Munandar Daulay, Muhammad Apis fitriyanto, nur Haitam, R. Ibnu Himyar Pasrizal Lina wati Mohammad Salim Muhammad Ghafur Wibowo, Muhammad Ghafur Pajar Hatma Indra Jaya Qizam, Ibnu Sa'adah, Nurus Satibi, Ibi Satriana, Desmi Slamet Haryono Sunaryati Sunaryati Syamsul Anwar, Syamsul Uswatun Hasanah Utari Evy Cahyani Zulni, Dhiyaul Aulia