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All Journal Jurnal Ekonomi Syariah Teori dan Terapan JIFA (Journal of Islamic Finance and Accounting) Jurnal Pasar Modal dan Bisnis Journal of Management and Islamic Finance Islamiconomic: Jurnal Ekonomi Islam Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan International Journal of Applied Economics, Accounting and Management (IJAEAM) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Finance and Islamic Banking Journal of Ekonomics, Finance, and Management Studies JPS (Jurnal Perbankan Syariah) JIFA (Journal of Islamic Finance and Accounting)
Muhammad Khozin Ahyar
Politeknik Negeri Samarinda
Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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TANTANGAN PONDOK PESANTREN MENUJU LEMBAGA PENDIDIKAN ISLAM YANG AKUNTABEL Ahyar, Muhammad Khozin
JIFA (Journal of Islamic Finance and Accounting) Vol 3, No 1 (2020)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (328.176 KB) | DOI: 10.22515/jifa.v3i1.2301

Abstract

Islamic boarding school is one of the oldest Islamic education institutions in Indonesia. The majority of Islamic boarding schools in Indonesia are foundations. As an institution or non-profit entity, Islamic boarding schools also need to do an institutional transformation so that it can continue to grow and be trusted by stakeholders. So far, the financial reporting of Islamic boarding schools does not have standardization. So that each boarding school has a different form of financial reporting. In the end, Bank Indonesia and the Indonesian Institute of Accountants (IAI) developed the Pesantren Accounting Guidelines (PAP). Pesantren Accounting Guidelines are one of the programs in the development of pesantren economic independence. This article aims to describe the challenges faced by Islamic boarding schools in achieving accountable Islamic education institutions. Based on the literature review, there are three challenges in Islamic boarding schools in order to become an accountable Islamic educational institution, namely the boarding school human resources in the field of accounting, cooperation between related institutions and the use of technology. Islamic boarding schools must increase or increase competent human resources in the fields of accounting and financial reporting. Collaboration between related institutions can help boarding schools in increasing accountability. The provision of technology and the procurement of a type of software or application can make it easier for Islamic boarding school human resources to prepare financial reports in accordance with financial accounting standards (SAK), in this case in accordance with Islamic Boarding School Accounting Guidelines.Keywords: Islamic Boarding School, Accountable, Islamic Boarding School AccountingJEL Classification Codes: L31, Z12, Z18
Membangun Bisnis dengan Ekosistem Halal Muhammad Khozin Ahyar; Agung Abdullah
Jurnal Pasar Modal dan Bisnis Vol 2 No 2 (2020)
Publisher : The Indonesia Capital Market Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37194/jpmb.v2i2.46

Abstract

This article aims to provide an overview or describe the components that must be met in building a business with a halal ecosystem, both in terms of process or production as well as from the non-production side. The methodology used in this article is a qualitative method with a literature research or literature review approach. This article describes or describes several things that must be considered in building a business with a halal ecosystem, namely the financial component (finance), production and distribution. Finance is a component that is upstream in the halal business ecosystem. Production is a process of making a product in the form of goods or services that will become a halal business product. When producing sharia goods or services, all raw materials and processes must also comply with halal standards. Distribution is the last component in the halal supply chain ecosystem that distributes products or services and presents them. In the process of distribution, the product must be ensured to be separate from non-halal products and there will be no change in the substance of the product during the distribution process, so that the product remains halal and thayib. Through this article, the writer hopes that sharia business or halal business can perfect its halal ecosystem in order to maintain halal and thayib products.
LITERASI KEUANGAN SYARIAH DAN PONDOK PESANTREN (STUDI KASUS PONDOK MODERN ASY-SYIFA BALIKPAPAN) Muhammad Khozin Ahyar
ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 9, No 2 (2018)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LP2M) Universitas Islam Negeri (UIN)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (342.349 KB) | DOI: 10.32678/ijei.v9i2.107

Abstract

Abstract. Islamic Financial and Islamic Boarding School Literacy (Case study at Modern Islamic Boarding School Asy-Syifa Balikpapan). This study aims to determine the understanding or the Islamic banking literacy among teachers councils of Pondok Modern Ash-Shifa Balikpapan. Besides, the reason for selecting the board of teachers in the use of banking products and services also been discussed in this study. The lack of use of the products and services of Islamic banking among teachers councils of Pondok Modern Ash-Shifa is the focus of the problem in this research. Boarding school as a religious institution to study various classical and contemporary books, especially those related fiqh muamalah is an institution that has an important role in providing Islamic financial literacy for the community. Boarding charismatic cleric is one of the most important figures to provide insight to the public about Islamic banking. However, in reality Pondok Modern Balikpapan Ash-Shifa is not like that. The research method used by writer is a qualitative research survey data collection techniques and interviews. The survey states that 50 members of the council of teachers surveyed, only 16 members of the board of teachers who use Islamic banking products. Furthermore the survey stated that the entire board teachers are customers of savings products sharia. The results of the interview proved that literacy on Islamic banking in Pondok Modern Ash-Shifa Balikpapan still low (less literate). Low literacy Islamic banking is due to lack of socialization and education more depth to the board of teachers Pondok Modern Ash-Shifa.  Abstrak. Literasi Keuangan Syariah dan Pondok Pesantren (Studi Kasus Pondok Modern Asy-Syifa Balikpapan). Penelitian ini bertujuan untuk mengetahui pemahaman atau literasi perbankan syariah di kalangan dewan guru Pondok Modern Ash-Shifa Balikpapan. Selain itu, alasan untuk memilih dewan guru dalam penggunaan produk dan layanan perbankan juga telah dibahas dalam penelitian ini. Kurangnya penggunaan produk dan layanan perbankan Islam di kalangan dewan guru Pondok Modern Ash-Shifa adalah fokus masalah dalam penelitian ini. Pesantren sebagai lembaga keagamaan untuk mempelajari berbagai buku klasik dan kontemporer, terutama yang terkait fiqh muamalah adalah lembaga yang memiliki peran penting dalam memberikan literasi keuangan Islam bagi masyarakat. Membajak ulama kharismatik adalah salah satu tokoh terpenting untuk memberikan wawasan kepada masyarakat tentang perbankan Islam. Namun, kenyataannya Pondok Modern Balikpapan Ash-Shifa tidak seperti itu. Metode penelitian yang digunakan oleh penulis adalah teknik pengumpulan data survey penelitian kualitatif dan wawancara. Survei tersebut menyatakan bahwa 50 anggota dewan guru yang disurvei, hanya 16 anggota dewan guru yang menggunakan produk perbankan syariah. Selanjutnya survei menyatakan bahwa seluruh pengurus dewan adalah pelanggan produk tabungan syariah. Hasil wawancara membuktikan bahwa literasi perbankan Islam di Pondok Modern Ash-Shifa Balikpapan masih rendah (kurang melek huruf). Rendahnya literasi perbankan Islam adalah karena kurangnya sosialisasi dan pendidikan yang lebih mendalam kepada dewan guru Pondok Modern Ash-Shifa.
Analisis Pengaruh Inklusi Perbankan Syariah terhadap Pembiayaan UMKM Sektor Halal di Indonesia Muhammad Khozin Ahyar
Al-Tijary AL-TIJARY VOL. 5, NO. 1, DESEMBER 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (385.33 KB) | DOI: 10.21093/at.v5i1.1716

Abstract

Financial inclusion is an issue that is being echoed by the government together with other authorities and stakeholders. One of the main targets of financial inclusion besides households is the MSMEs. Some indicators of financial inclusion, namely access, use and quality. This study aims to analyze how the influence of Islamic banking inclusion (BUS and UUS) from access indicators to the distribution of MSME financing. The access indicator used is the number of Islamic banking offices which include KP, KC, KCP and KK. This research uses a quantitative method with a VAR (Vector Autoregression) model. The results showed that the number of BUS and UUS offices affect MSMEs in Islamic banking financing. In addition, Islamic banking in Indonesia is still not optimal in channeling financing to MSMEs. Various ways can be done by Islamic banking in order to expand access to MSME actors, including developing the Financial Technology (Fintech) system, expanding Islamic banking agents through the Laku Pandai program and expanding cooperation with MSME stakeholders.
ANALISIS PENGARUH KEUANGAN INKLUSIF TERHADAP PERBANKAN SYARIAH DI INDONESIA MUHAMMAD KHOZIN AHYAR
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 5, No 2 (2020): Juli - Desember 2020
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v5i2.456

Abstract

The Impact of the Covid-19 Pandemic and Macroeconomics on the Sharia Stock Indexes in Indonesia Muhammad Khozin Ahyar; Angga Hergastyasmawan; Dzul Febrian
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 10 No. 4 (2023): Juli-2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol10iss20234pp322-336

Abstract

ABSTRACT The Covid-19 pandemic has changed economic conditions in various countries, including Indonesia. One of the sectors affected is the capital market sector which can also describe the economic condition of a country through the stock index. This article aimed to analyze the impact of Covid-19 and the macroeconomics on the Islamic stock index in Indonesia (ISSI and JII). Macroeconomic variables are included in the model as an update. This study used a quantitative method using the VECM model. Research variable data were obtained from investing websites (ISSI and JII), Indonesian covid-19 task force websites (Covid-19 Cases), Statistics Indonesia (BPS),and BI (BI Rate, Inflation, Exchange rates, etc.) from March 2020 to December 2022. Based on the research results, covid-19 and the macroeconomics have no effect on the sharia stock index in Indonesia, except for the BI Rate. This is due to the fairly tight fundamental selection of constituent issuers of the Islamic stock index, the speed and accuracy of Covid-19 control and the massive education. This result has implications for the selection of investors in stocks that are included in the Islamic stock index in Indonesia, because it is proven that ISSI and JII are quite immune to the Covid-19 pandemic. Keywords: Islamic Stock, ISSI, JII, Covid-19 Pandemic, Macroeconomic. ABSTRAK Pandemi covid-19 telah merubah kondisi perekonomian di berbagai Negara, termasuk Indonesia. Salah satu sektor yang terdampak adalah sektor pasar modal yang juga dapat menggambarkan kondisi perekonomian suatu Negara melalu indeks saham. Artikel ini bertujuan untuk menganalisis dampak covid-19 dan makro ekonomi terhadap indeks saham syariah di Indonesia (ISSI dan JII). Variabel ekonomi makro yang dimasukkan ke dalam model sebagai pembaharuan, karena indeks saham dapat mencerminkan kondisi ekonomi suatu Negara. Penelitian ini menggunakan metode kuantitatif dengan menggunakan model VECM. Data variabel penelitian diperoleh dari website investing (ISSI dan JII), website satgas covid-19 Indonesia (Total Kasus Covid-19), BPS (BI Rate, Inflasi) dan BI (Kurs, Cadangan Devisa, Jumlah Uang yang Beredar) dari bulan Maret 2020 sampai dengan Desember 2022. Hasilnya pandemi covid-19 dan makro economi tidak berpengaruh terhadap indeks saham syariah di Indonesia, kecuali BI Rate. Hal tersebut dikarenakan cukup ketatnya seleksi fundamental emiten konstituen indeks saham syariah, kecepatan dan ketepatan pengendalian covid-19 serta edukasi pasar modal syariah yang masif. Hasil ini berimplikasi pada pemilihan investor pada saham-saham yang masuk ke dalam indeks saham syariah di Indonesia, karena terbukti bahwa ISSI dan JII cukup kebal dengan adanya pandemi covid-19. Kata Kunci: Saham Syariah, ISSI, JII, Pandemi Covid-19, Makro Ekonomi
Halal Industry and Islamic Banking: A Study of Halal Ecosystem Regulation in Indonesia Muhammad Khozin Ahyar; Muhammad Yusuf Perkasa Wibowo
Journal of Finance and Islamic Banking Vol. 2 No. 2 (2019)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v2i2.1929

Abstract

This article aims to analyze the halal industry lately is developing rapidly throughout the needs of the community. Indonesia is one of the world's largest halal product markets because it has favourable demographic conditions. Regulations on the submission of halal products in Indonesia itself have not led to the use of Islamic financial institutions in terms of the certification assessment. Even though the Qur'an and the hadith have explained that in doing business, how to get capital must also come from halal sources. This study uses a qualitative method by conducting a literature review on related references. The author found that the JPH Law (Halal Product Guarantee), and the halal certification requirements of LPPOM MUI, have not included finance as one requirement or assessment indicators in halal product certification. Financial indicators should be able to be one indicator in the certification of halal products because finance is one of the initial sources (upstream / input) of the creation of halal products.
Affecting Financial Inclusion Toward Third Deposit Funds of Islamic Banking Indonesia Muhammad Khozin Ahyar; Abdul Hakim
Journal of Finance and Islamic Banking Vol. 4 No. 2 (2021)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v4i2.2658

Abstract

This study aims to determine the effect of financial inclusion variables on third-party deposit funds used in Islamic banking. In general, this study uses financial inclusion and non-financial inclusion variables. Financial inclusion variables are proxied by office networks, ATM networks, and savings customers. Financial inclusion variables are proxied by office networks, ATM networks, and savings customers. Third deposit funds, interest rates, profitability, yield equivalent, and the size of sharia banking are all used as non-financial inclusion variable proxies. This quantitative study used the Vector Error Correction Model (VECM) and the Eviews analysis tool. The cointegration test probability value (0.0228 < 0.05) indicates that the data used in the study are cointegrated. According to the data analysis, the office network (2,60397) and the ATM network (2.48865) serve as proxies for financial inclusion variables affecting Islamic banking deposits. The deposit customer (1,55953), on the other hand, is a proxy variable that has no effect. The equivalent yield (2,48469) and Islamic banking size (2,77972) are non-financial inclusion variables influencing Islamic banking deposits. The benchmark interest rate (-0,29262) and profitability (0,90000), on the other hand, do not affect Islamic banking deposits.
Analisis Multidisipliner terhadap Fenomena Pemberian Pinjaman Online pada Anak Muda: Dampak, Penyebab, dan Solusi Fitri Wulandari; Muhammad Khozin Ahyar; Angga Hergastyasmawan
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 9 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i9.4511

Abstract

The presence of online loans provides new hope for economic development in Indonesia. Online loans is a way for business owners to obtain capital. Online loans offer various simplicity for MSMEs who want to apply for loans, they can get loans quickly using easy conditions, disbursement of funds quickly, and a flexible repayment process. One of the conditions that are not provide in the banking industry is easy terms and loans without collateral. This is a good news for MSME owner who need capital and do not have valuable assets to use as collateral. It is not only the general public who use online loan services but also young people, apart from not requiring administrative requirements and guarantees like banks in general, the process is also fast. However, you need to be careful in using this online loan, because it has two sides. Do not let what is expected is a profit in the form of fund assistance, even a loss due to payment or even pressure from collectors when it is due. According to data from the Financial Services Authority (OJK) there are around 219,824 youth under 19 who are active loan borrowers. The circulation of loan money is also quite large with a total loan of IDR 206.9 billion. Young online borrowers, who are considered to still not have many urgent needs already had the power to borrow from this loan, this is considered very harm. The phenomenon of the rise of this loan is increasingly troubling the community. This system is considered to be damaging the financial digitalization ecosystem which previously benefited the community, instead it has lost tens or even hundreds of millions of rupiah.
Analisis Multidisipliner terhadap Fenomena Pemberian Pinjaman Online pada Anak Muda: Dampak, Penyebab, dan Solusi Fitri Wulandari; Muhammad Khozin Ahyar; Angga Hergastyasmawan
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 9 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i9.4511

Abstract

The presence of online loans provides new hope for economic development in Indonesia. Online loans is a way for business owners to obtain capital. Online loans offer various simplicity for MSMEs who want to apply for loans, they can get loans quickly using easy conditions, disbursement of funds quickly, and a flexible repayment process. One of the conditions that are not provide in the banking industry is easy terms and loans without collateral. This is a good news for MSME owner who need capital and do not have valuable assets to use as collateral. It is not only the general public who use online loan services but also young people, apart from not requiring administrative requirements and guarantees like banks in general, the process is also fast. However, you need to be careful in using this online loan, because it has two sides. Do not let what is expected is a profit in the form of fund assistance, even a loss due to payment or even pressure from collectors when it is due. According to data from the Financial Services Authority (OJK) there are around 219,824 youth under 19 who are active loan borrowers. The circulation of loan money is also quite large with a total loan of IDR 206.9 billion. Young online borrowers, who are considered to still not have many urgent needs already had the power to borrow from this loan, this is considered very harm. The phenomenon of the rise of this loan is increasingly troubling the community. This system is considered to be damaging the financial digitalization ecosystem which previously benefited the community, instead it has lost tens or even hundreds of millions of rupiah.
Co-Authors Abdul Hakim Abdul Hakim Abdullah, Agung Angga Hergastyasmawan Angga Hergastyasmawan Catur Kurniawan Dimas Riski Efendi Dzul Febrian Fitri Wulandari Hergastyasmawan, Angga Irianto, Ellen D Oktanti M Ramli Muhammad Yusuf Perkasa Wibowo Nyoria, Nyoria Anggraeni Mersa Rama Yuni, Rama Yuni