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All Journal EkoBis ( Ekonomi & Bisnis ) JBTI : Jurnal Bisnis : Teori dan Implementasi Jurnal Akta Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Journal of Islamic Economic Laws EDUKA : Jurnal Pendidikan, Hukum, Dan Bisnis Journal of Islamic Accounting and Finance Research Jurnal E-Bis: Ekonomi Bisnis AL-ARBAH: Journal of Islamic Finance and Banking Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Journal of Islamic Economics, Management, and Business (JIEMB) Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMAK) JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan ADM : Jurnal Abdi Dosen dan Mahasiswa Malik Al-Shalih
Kartika Marella Vanni
UIN Walisongo Semarang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Micro waqf bank and its impact on micro-enterprise productivity in Indonesia Vanni, Kartika Marella
Journal of Islamic Economics Management and Business (JIEMB) Vol. 5 No. 2 (2023)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2023.5.2.22306

Abstract

This study aims to examine the mechanisms and schemes implemented by micro waqf bank (Bank Wakaf Mikro, BWM) in enhancing the productivity of micro-enterprises in Indonesia. Using a descriptive qualitative methodology with a literature review approach, this research analyzes secondary data from various relevant academic sources. The findings indicate that BWM combines the concept of waqf with microfinance services, which includes the collection of cash waqf funds through Islamic banks, waqf institutions, and digital platforms. Fund management is conducted by nāẓir who invests the funds in sharia-compliant instruments to support BWM operations and microfinance programs. The financing schemes used by BWM include qarḍ al-ḥasan, muḍārabah, mushārakah, and productive waqf. The qarḍ al-ḥasan scheme provides interest-free loans, while the muḍārabah and mushārakah schemes involve partnerships in business management with profit-sharing based on agreed ratios. The productive waqf scheme utilizes waqf assets to generate income used for microfinance. The implementation of these schemes requires collaboration with various parties and innovations in digital technology to enhance efficiency and transparency. Overall, BWM has provided inclusive financial access, improved micro-enterprise capacity, and created a sustainable business ecosystem for micro-enterprises in Indonesia.
Dividend policy as an intervening variable between return on asset and earning per share on stock prices Prasetyoningrum, Ari Kristin; Vanni, Kartika Marella; Mustika, Anjar
Journal of Islamic Accounting and Finance Research Vol. 6 No. 2 (2024)
Publisher : Universitas Islam Negeri Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiafr.2024.6.2.20206

Abstract

Purpose - The aim of this study is to investigate how Return on Asset (ROA) and Earnings per Share (EPS) impact stock prices, while considering dividend policy as a mediating factor.Method - This research uses 6 samples of pharmaceutical companies listed on ISSI during the period of 2017-2021 using purposive sampling technique. The data analysis used in this research is SEM-PLS with the help of WarpPLS software version 7.0.Result - The findings indicate that dividend policy does not act as a mediator between ROA and share prices; however, it does serve as a mediator between EPS and share prices. The direct effects reveal that ROA has a non-significant positive impact on dividend policy, whereas EPS demonstrates a significant positive influence on dividend policy. Both ROA and dividend policy exhibit a significant negative impact on share prices, whereas EPS has a positive and significant influence on share prices. In addition, this research reveals that dividend policy is unable to mediate the relationship between ROA and share prices but is proven to mediate the relationship between EPS and stock prices.Implication - The concept of signaling theory in general can still be used in carrying out financial analysis even when anomalies occur in economic conditions.Originality - This research is research conducted on pharmaceutical companies which are different from other companies which have experienced negative impacts, but pharmaceutical companies have experienced an increase in share prices and profits during the pandemic.
Comparative Study of Development and Performance Evaluation Sharia Microfinance Institutions in Indonesia Vanni, Kartika Marella; Wijayanti, Riska
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 2 No. 2 (2020)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2020.2.2.7229

Abstract

Purpose - This paper aims to determine the role of Islamic Microfinance Institutions (LKMS) in Indonesia and to make comparisons between theory and practice in the field.Method - The method used is a descriptive qualitative approach in which data collection is taken from a study of various literature and then compared with previous studies related to the discussion.Result - Sharia Microfinance Institutions theoretically play a role to help improve the national economy and alleviate community poverty by embracing the lower class and all remote areas. Meanwhile, empirically, Islamic Microfinance Institutions have tried to carry out their operational activities in accordance with the provisions and principles of Sharia, but there are still internal and external constraints.Implication - This study examines Islamic Microfinance Institutions in Indonesia.Originality - There are differences between theory and practice in Islamic Microfinance Institutions in Indonesia.
Implementation of Sharia Regulations and Principles in Bullion Bank Operations: A Case Study of Gold Services in Sharia Banks Vanni, Kartika Marella; Wijayanti, Riska
JURNAL AKTA Vol 13, No 1 (2026): March 2026
Publisher : Program Magister (S2) Kenotariatan, Fakultas Hukum, Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/akta.v13i1.50370

Abstract

This study analyzes the legal framework and the implementation of Sharia principles in bullion banking operations, particularly gold-based services provided by Islamic banks in Indonesia. Gold services, including gold savings, gold financing, and gold trading, have strategic potential to support product diversification and enhance the competitiveness of Islamic banking institutions. This research employs a normative juridical method using a conceptual approach and regulatory case studies. The analysis focuses on relevant legal instruments, including Law Number 21 of 2008 on Islamic Banking, regulations issued by the Financial Services Authority, and fatwas of the National Sharia Council–Indonesian Ulema Council concerning gold transactions. The findings indicate that, from a normative perspective, gold services are supported by a sufficient legal foundation through Islamic banking regulations and Sharia fatwas. However, Indonesia has not yet established a comprehensive and specific regulatory framework governing Islamic bullion banking operations. The implementation of Sharia principles in gold services is carried out through murabahah, ijarah, and wadi’ah contracts, emphasizing the existence of physical gold as the underlying asset and ensuring transparency in transactions. Despite this normative compliance, practical challenges remain, particularly regarding regulatory consistency, legal certainty, and the limited availability of physical gold storage infrastructure. Therefore, this study recommends regulatory refinement and stronger institutional coordination among the Financial Services Authority, Bank Indonesia, and the National Sharia Council to strengthen legal certainty and ensure effective compliance with Sharia principles in Islamic banking gold services nationwide.
Co-Authors Ali Imron AMATUN NUR MAKMURIYAH Ana Nihayah Nihayah Ari Kristin Prasetyoningrum Baehaqi Eleven Kharisma Eva Amelia Muchlis Yahya Muhlis Muhlis Mustika, Anjar Nurotul Faizah, Fita Rahmah, Mutiara Rifqi, Lathif Hanafir Riska Wijayanti Riska Wijayanti Riska Wijayanti Tria Noviani Viki Safirotu Nadan Wahibur Rokhman