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All Journal Syarikat : Jurnal Rumpun Ekonomi Syariah International Journal of Education, Social Studies, And Management (IJESSM) Journal of Artificial Intelligence and Digital Business Sharing: Journal Of Islamic Economics, Management And Business Money: Journal of Financial and Islamic Banking CARE: Jurnal Pengabdian Multi Disiplin Finest : Jurnal Riset dan Pengembangan Ekonomi Islam Journal Of Community Sustainability General Multidisciplinary Research Journal Journal Of Legal Sustainability (JOLS) Multidisciplinary Journal of Religion and Social Sciences (MJRS) Journal of Financial and Business Journal of Community Service and Empowerment
Saru Reza
Universitas Pahlawan Tuanku Tambusai
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Implementation of the Financial Inclusion Concept in the Zakat Payment System at BAZNAS Kampar Regency Mifta Hasda; Saru Reza; Muhammad Arif; Binda Rahma Cahyani
General Multidisciplinary Research Journal Vol. 2 No. 2 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/general.v2i2.47

Abstract

Introduction:This study explores the implementation of inclusive zakat payment systems at the National Zakat Agency (BAZNAS) in Kampar Regency. Inclusive zakat payment aims to provide broader and easier access for muzakki (zakat payers) in fulfilling their zakat obligations, both through direct and digital channels. This initiative supports financial inclusion by integrating zakat management into accessible and innovative financial services. Methods:The research employed a qualitative approach. Data were obtained through interviews with key informants, including BAZNAS leaders in Kampar Regency, as well as secondary data from relevant literature, reports, and official documents. data analysis using the Miles and Huberman 1994 approach. The analysis focused on understanding the implementation process, accessibility, and service quality of zakat payment mechanisms. Results:The findings indicate that zakat payment access in Kampar Regency is relatively easy and affordable. Muzakki can pay zakat directly at the BAZNAS office, through nearby UPZ (Zakat Units), or via digital platforms. BAZNAS offers various zakat products tailored to the needs of the payers. Additionally, the competence and service quality of amil (zakat officers) are crucial factors influencing effective implementation. The inclusive approach has also contributed to an increase in the total amount of zakat collected in the region. Conclusion and Suggestion: The implementation of inclusive zakat payments at BAZNAS Kampar has successfully expanded access and improved the efficiency of zakat collection. To sustain and enhance these outcomes, BAZNAS is encouraged to continuously develop digital payment innovations, strengthen amil training, and promote public awareness campaigns about the benefits of zakat inclusion.
The Role of Corporate Governance in Encouraging Improved Performance of Manufacturing Companies in the Capital Market Wahyu Febri Ramadhan Sudirman; Saru Reza; Bunga Andhini; Muhamamd Riski
General Multidisciplinary Research Journal Vol. 2 No. 2 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/general.v2i2.48

Abstract

Introduction: This study aims to analyze the influence of corporate governance and financial structure on the financial performance and value of manufacturing companies listed on the Indonesia Stock Exchange (IDX). Good corporate governance is believed to improve managerial efficiency and investor confidence, while an appropriate financial structure can support company stability and profitability. Methods: This study uses a quantitative approach with secondary data obtained from the financial statements of 45 manufacturing companies listed on the IDX from 2015-2019. Data analysis was conducted using multiple regression methods to determine the influence of each variable simultaneously and partially. Results: The results show that board diversity and the number of board directors have a positive and significant effect on all financial performance indicators and firm value. The board of commissioners has a positive effect on Tobin's Q but a negative effect on ROA and ROE. The audit committee does not significantly influence firm performance or value. Meanwhile, leverage is shown to have a negative effect on Tobin's Q and ROA, indicating that increasing debt can actually depress firm value and profitability. Conclusion and Suggestion: This study concludes that board diversity and effectiveness play a significant role in improving firm performance and value. Conversely, excessive use of debt can reduce a company's efficiency and competitiveness. Therefore, companies are advised to strengthen their governance structure by increasing board diversity and considering the debt ratio in their financial policies. Furthermore, future research is recommended to expand the sample to other sectors and add moderating variables such as institutional ownership to enrich the analysis of the relationship between governance and firm performance.
Financial Performance Analysis of PT Senantias Makmur Binda Rahma Cahyani; Wahyu Febri Ramadhan Sudirman; Saru Reza
Journal of Financial and Business Vol 1 No 1 (2024)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jfb.v1i1.17

Abstract

Financial ratio analysis is an important tool for evaluating a company's financial performance, identifying trends, and determining existing financial strengths and weaknesses. This study analyzes PT Senantiasa Makmur's financial ratios for 2022 and 2023, including liquidity, solvency and profitability ratios. The analysis results show an increase in the current ratio from 1.6 to 1.8, quick ratio from 1.0 to 1.2, and cash ratio from 0.4 to 0.5, which indicates an improvement in the company's liquidity. In addition, the decrease in Debt to Asset Ratio from 0.63 to 0.60 and Debt to Equity Ratio from 1.70 to 1.50 indicates that the company has reduced its dependence on debt, reducing financial risk. The increase in Return on Assets (ROA) from 0.08 to 0.09 and Return on Equity (ROE) from 0.21 to 0.22 shows that the company is more efficient in using assets and equity to generate profits. Overall, PT Senantiasa Makmur demonstrated significant improvements in financial performance, placing it in a stronger position for future growth and sustainability.
Two Sides: Development of Non-Bank Islamic Financial Institutions in Indonesia Binda Rahma Cahyani; Muhammad Arif; Wahyu Febri Ramadhan Sudirman; Rinda Fithriyana; Saru Reza
Journal of Financial and Business Vol 1 No 2 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jfb.v1i2.29

Abstract

This study aims to identify challenges and opportunities in developing Non-Bank Islamic Financial Institutions (LKSNB) in Indonesia. With the increasing public interest in Sharia-based financial services, LKSNB has great potential to become an important pillar in supporting the growth of the sharia economy. The research method used is literature study and descriptive analysis, regarding secondary data from various reports of related institutions and academic literature. The results of the study indicate that the main challenges faced by LKSNB include low sharia financial literacy among the public, regulations that do not fully support the development of LKSNB, and limited human resources who have special competence in the field of sharia finance. On the other hand, great opportunities arise from the growth of the global sharia economy, government support through various policies, and increasing public awareness of the importance of a financial system based on sharia principles.
Legal Risk Analysis in the Sharia Bank Operational System Alfiatun Zahrah; Suci Mardiyah; Muhammad Syaipudin; Saru Reza
Journal of Financial and Business Vol 1 No 2 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jfb.v1i2.33

Abstract

This study analyzes legal risks in the operational system of Islamic banks, with the aim of identifying factors that can affect legal compliance and their implications for the stability of Islamic banking. Islamic banks operate based on sharia principles as stated in national regulations and fatwas of the National Sharia Council (DSN), so that potential legal risks can arise due to inconsistencies in products and services with sharia provisions, changes in regulations, and lack of legal understanding by stakeholders. This study uses a qualitative method with an analysis of Islamic banking regulations, case studies of legal disputes, and interviews with practitioners and regulators. The results of the study indicate that strengthening compliance with sharia regulations and harmonization between positive law and Islamic law are key to mitigating legal risks. In addition, increasing contract transparency, legal education for industry players, and the active role of supervisory authorities can increase the effectiveness of the operational system of Islamic banks. Thus, this study provides strategic recommendations for Islamic banks in managing legal risks in order to maintain the sustainability and trust of customers in the Islamic banking industry.
Co-Authors Agus Susanto Alfiatun Zahrah Amalia, Nala AMELIA, NUR Andini, Bunga Arif Mudi Priyatno Binda Rahma Cahyani Bunga Andhini Diany Mairiza Hidayat Hidayat Hidayat Hidayat Hidayat Irmawanti Irmawanti Lismawati, Lismawati Mardiyah, Suci Mifta Hasda Mohd. Winario Muhamamd Riski Muhammad Arif Muhammad Arif Muhammad Romi Muhammad Syaipudin Muhammad Zakir Muhammad Zakir Mustafa Kamal Nining Suniarti Paisal Paisal Paisal Putri, Elen Sri Ega Putri, Ramanitya Dewi Ramadhan, Al Insani Mutiara Rifqil Khairi Rinda Fithriyana Rizki, Syafnur Muhammad S Sari Sari, Efti Novita Sela Hermawanti Suci Mardiyah Suci Mardiyah Syafnur Muhammad Rizky Wahyu Febri Ramadhan Sudirman Zahara, Alfiatun Zubaidah Assyifa