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All Journal El Dinar Jurnal Ekonomi Syariah Teori dan Terapan Journal of Information Systems Engineering and Business Intelligence Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Uqud : Journal of Islamic Economics Dinamisia: Jurnal Pengabdian Kepada Masyarakat Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Iqtishoduna: Jurnal Ekonomi Islam JESI (Jurnal Ekonomi Syariah Indonesia) J-Dinamika: Jurnal Pengabdian Kepada Masyarakat Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah EconBank : Journal Economics and Banking Tasharruf: Journal Economics and Business of Islam Indonesian Journal of Electrical Engineering and Computer Science Ihsan: Jurnal Pengabdian Masyarakat MALIA: Journal of Islamic Banking and Finance JES (Jurnal Ekonomi Syariah Adz Dzahab : Jurnal Ekonomi dan Bisnis Islam EMBISS: Jurnal Ekonomi, Manajemen, Bisnis, Sosial JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen GREENOMIKA Journal of Islamic economy and Community Engagement MOVE: Journal of Community Service and Engagement Jurnal Ekonomika dan Bisnis Islam Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Formosa Journal of Multidisciplinary Research (FJMR) Mumtaz : Jurnal Ekonomi dan Bisnis Islam Inspirasi: Jurnal Pengabdian dan Pemberdayaan Masyarakat Journal of Islamic Economics Lariba IIJSE Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Indonesian Journal of Economic & Management Sciences (IJEMS) Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Balance: Journal of Islamic Accounting Ecoducation
Clarashinta Canggih
Universitas Negeri Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Library & Information Science Social Sciences Other

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Efficiency of Islamic Insurance in Indonesia Rachma Indrarini; Clarashinta Canggih
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 8 No. 2 (2019): Oktober
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36835/iqtishoduna.v8i2.413

Abstract

This paper aims to measure Islamic Insurance Efficiency in Indonesia. This paper uses quantitative data analysis through Data Envelopment Analysis to assess efficiency. Input variables in this study are total assets, expenses, and claims payments, while the output variables used are tabaru income and funds during 2012-2016. The objects of this paper are PT. AJS Amanahjiwa Giri Arta, PT AJS Al Amin, and PT Asuransi Takaful Keluarga. The result shows that in general, Islamic insurance in Indonesia is not yet efficient.
Efektifitas Penyaluran Zakat Produktif dalam Bentuk Bantuan Modal Usaha terhadap Kesejahteraan Mustahik dengan Pendekatan Metode CIBEST Muhammad Bayu Dwie Saputra; Clarashinta Canggih
JES (Jurnal Ekonomi Syariah) Vol 8, No 1 (2023): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v8i1.418

Abstract

This research aims at analyzing the impact of Productive zakat distribution on one's spiritual and material aspects. The impact is measured using the CIBEST technique which will produce spiritual value (SV) and material value (MV). This research aims at analyzing and cognizing its effectiveness perceived by mustahiq. The process is conducted by classifying it based on the quadrants in the CIBEST calculation technique, before or after giving productive zakat in the form of business capital assistance as one of  Surabaya Infaq Management Institute (LMI). The research uses descriptive quantitative research method with 24 households as respondents. The results show that the provision of productive zakat in the form of business capital assistance has positive and effective impact on the economic and spiritual aspects of mustahiq with an increase from quadrant II to quadrant I.
Does Merger Affect BRIS Stock Performance? A Comparative Analysis Daffa Eka Septianda; Clarashinta Canggih
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 10 No. 1 (2023): Januari-2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol10iss20231pp1-15

Abstract

ABSTRACT This research aimed to compare BRIS stock performance before and after the merger. The research method was comparative quantitative that is by comparing the data used to determine differences in variables from two different groups or from the same variable in different time periods. The population and sample for this study are monthly reports of Price to Book Value,  Earning per Share, Return on Equity, Debt to Equity Ratio, and Price Earning Ratio from BRIS for the period January 2020-January 2022 so that a total sample of 25 is obtained. The data analysis were the normality test and the Wilcoxon test. The requirement to carry out this test is the data normality test which functions to measure whether the data is normally distributed or not. Meanwhile, the Wilcoxon test is a non-parametric test to measure the significance of differences between two groups of paired data or similar data but at different times. This study found that stock performance as measured by PBV and EPS showed differences in performance before and after the merger. Whereas ROE, DER, PER  there is no difference in stock performance before and after the merger. With this research, it can be used reference for investors to choose an analytical method as a decisive step in investing. For company owners, this research can be used as a consideration when merging. Keywords: Stock performance, BRIS, Merger, Islamic banking.   ABSTRAK Penelitian ini bertujuan untuk membandingkan kinerja saham BRIS sebelum dan setelah merger. Metode yang digunakan dalam penelitian ini adalah kuantitatif komparatif yakni dengan membandingkan data-data yang digunakan untuk mengetahui perbedaan variabel dari dua kelompok berbeda ataupun dari variabel yang sama dalam jangka waktu yang berbeda. Untuk teknik pengambilan data menggunakan teknik pengambilan data dokumentasi. Pada penelitian ini menggunakan populasi dan sampel laporan bulanan Price to Book Value,  Earning per Share, Return on Equity, Debt to Equity Ratio, dan Price Earning Ratio dari BRIS dengan jangka waktu Januari 2020-Januari 2022 sehingga mendapatkan total sampel 25 sampel. Untuk menguji hipotesis teknik pengujian data yang dilakukan yakni uji normalitas dan uji Wilcoxon. Syarat untuk melakukan pengujian ini yakni uji normalitas data yang berfungsi untuk mengukur apakah data berdistribusi normal atau tidak normal. Sedangkan uji Wilcoxon adalah pengujian non-parametris untuk mengukur signifikansi perbedaan dua kelompok data berpasangan ataupun data sejenis tetapi berbeda waktu. Penelitian ini mendapatkan hasil bahwa kinerja saham yang diukur melalui proksi Price to Book Value dan Earning per Share terdapat adanya perbedaan kinerja sebelum dan setelah merger. Sedangkan pada proksi Return on Equity, Debt to Equity Ratio, dan Price Earning Ratio tidak terdapat adanya perbedaan kinerja saham sebelum dan setelah merger. Dengan adanya penelitian ini dapat menjadi referensi bagi investor untuk memilih metode analisis sebagai langkah untuk menentukan dalam menanam modal. Bagi pemilik perusahaan dengan adanya penelitian ini dapat digunakan sebagai pertimbangan ketika akan melakukan merger. Kata Kunci: Kinerja saham, BRIS, Merger, perbankan syariah.   DAFTAR PUSTAKA Adawiyah, A. R., & Lisiantara, G. A. (2022). Pengaruh pandemi covid-19 terhadap kinerja keuangan perbankan. Jurnal Ilmiah Komputer Akuntansi, 15(2), 465–474. https://doi.org/10.51903/kompak.v15i2.834 Alfi. (2020). Aset perbankan syariah tetap bertumbuh di tengah pandemi. Retrieved from https://finansial.bisnis.com/read/20200923/231/1295698/aset-perbankan-syariah-tetap-bertumbuh-di-tengah-pandemi Amalia. (2022). Kinerja keuangan PT. Bank Syariah Indonesia Tbk. sebelum dan efek instan merger. YUME: Journal of Management, 5(1). https://doi.org/10.2568/yum.v5i1.1184 Andre, A., Marpaung, A. M., & Mekaniwati, A. (2019). Analisis implikasi kebijakan dividen terhadap pertumbuhan perusahaan dan kinerja saham. Jurnal Ilmiah Manajemen Kesatuan, 7(1), 153–161. https://doi.org/10.37641/jimkes.v7i1.208 Anshori, M., & Iswati, S. (2009). Buku ajar metodologi penelitian kuantitatif. Pusat Penerbitan dan Percetakan UNAIR. Asbaniar, A., & Setiawan, S. (2022). Analisis kinerja saham pada industri farmasi sebelum dan setelah adanya pandemi covid-19. IQTISHADequity, 4(1), 45. https://doi.org/10.51804/iej.v4i1.1664 Bella, S., & Sari, F. (2021). Perbandingan kinerja keuangan sebelum dan sesudah akuisisi pada perusahaan yang terdaftar di BEI. Jurnal Manajemen Dan Bisnis, 1(2), 143–153. http://dx.doi.org/10.30651/imp.v1i2.10619 BNI Syariah. (2020). Laporan tahunan 2020. BNI  Syariah Brigham, E. F., & Houston., J. F. (2016). Dasar-dasar manajemen keuangan. Salemba Empat. BSI. (2021). Laporan tahunan 2021: Energi baru untuk Indonesia. PT Bank Syariah Indonesia, Tbk. Cahyarini, I. (2017). Analisis perbedaan kinerja keuangan perusahaan sebelum dan sesudah merger dan akuisisi (Studi empiris pada perusahaan merger dan pengakuisisi yang terdaftar di BEI. Skripsi tidak dipublikasikan. Universitas Negeri Yogyakarta. Covey, S. (1997). The 7 habits of highly effective people, restoring the character ethic. Simon & Sschuster Inc. Dewi, N. S., & Suwarno, A. E. (2022). Pengaruh ROA, ROE, EPS dan DER terhadap harga saham perusahaan (Studi empiris pada perusahaan LQ45 yang terdaftar di bursa efek Indonesia tahun 2016-2020). Seminar Nasional Pariwisata Dan Kewirausahaan (SNPK), 1, 472–482. https://doi.org/10.36441/snpk.vol1.2022.77 Diaw, A. (2014). The effect of mergers and acquisitions on shareholder wealth: The case of European banks. First International Conference of Cost Action IS0902, Systemic Risks, Financial Crises, and Credit, COST, May 2011, Saint-Denis, France. ffhal-01184673. Dilshad. (2013). Profitability analysis of mergers and acquisitions: An event study approach. Business and Economic Research, 3(1), 89-125. https://doi.org/10.5296/ber.v3i1.2781 Faruquee, M. (2013). Impact of fundamental factors on stock price: A case based approach on pharmaceutical companies listed with Dhaka stock exchange. International Journal of Business and Management Invention, 2(9), 34–41. Filbert, R., & Prasetya, W. (2017). Investasi saham ala fundamentalis dunia. PT. Gramedia. Fiqri, A. A. A., Azzahra, M. M., Branitasandini, K. D., & Pimada, L. M. (2021). Peluang dan tantangan merger bank syariah milik negara di Indonesia pada masa pandemi covid-19. El Dinar, 9(1), 1–18. https://doi.org/10.18860/ed.v9i1.11315 Firdaus, I., & Kasmir, A. N. (2021). Pengaruh Price earning (PER), earning per share (EPS), debt to equity ratio (DER) terhadap harga saham. Jurnal Manajemen dan Bisnis, 1(1), 40–57. Gumanti. (2017). Keuangan korporat: Tinjauan teori dan praktik empiris. Mitra Wacana Media. Hadyarti, V. (2022). Analisis perbedaan kinerja keuangan sebelum dan setelah merger dan akuisisi pada perusahaan manufaktur yang terdaftar di bursa efek Indonesia periode 2016-2020. Eco-Entrepreneur, 8(1), 31–42. https://doi.org/10.21107/ee.v8i1.16495 Halim, A. (2015). Analisis investasi dan aplikasinya, dalam aset keuangan dan aset rill. Salemba Empat. Harvey, S. K. (2015). The role of merger and aquisition in firm performance a Ghanaian case study. Journal of Applied Business and Economics, 17(1), 1–12. Rudy, H. (2021). Manajemen pemasaran bank syariah (Teori dan praktik). Duta Media Publishing. Hutauruk, D. M. (2021a). Bank BRI Syariah meraup laba bersih Rp 248 miliar atau melonjak 235,14%. Retrieved from https://newssetup.kontan.co.id/news/bank-bri-syariah-meraup-laba-bersih-rp-248-miliar-atau-melonjak-23514 Hutauruk, D. M. (2021b). Laba bersih BRI Syariah (BRIS) melesat sebelum resmi merger. Retrieved from https://keuangan.kontan.co.id/news/laba-bersih-bri-syariah-bris-melesat-sebelum-resmi-merger Jiang, J. (2019). An empirical study on M&A performance: Evidence from horizontal mergers and acquisitions in the United States. Open Journal of Business and Management, 07(02), 976–997. https://doi.org/10.4236/ojbm.2019.72066 Khairudin, M., & Wulandari, T. (2017). Merger, akuisisi, dan kinerja saham perusahaan di bursa efek Indonesia (BEI). Jurnal Akuntansi Dan Bisnis, 17(1), 27-37. http://dx.doi.org/10.20961/jab.v17i1.220 KNKS. (2019a). Global Islamic Finance Report 2019 menempatkan Indonesia di posisi teratas dalam pasar keuangan syariah global. Siaran Pers KNKS, 1–2. Retrived from https://knks.go.id/storage/upload/1571570175-Siaran Pers Penghargaan GIFR 2019.pdf KNKS. (2019b). Kajian konversi, merger, holding, dan pembentukan bank BUMN Syariah. KNKS. Kusnandar. (2022). Sebanyak 86,93% penduduk Indonesia beragama Islam pada 31 Desember 2021. Retrieved from https://databoks.katadata.co.id/datapublish/2022/02/12/sebanyak-8693-penduduk-indonesia-beragama-islam-pada-31-desember-2021 La Pade, A. (2020). Kinerja portofolio saham syariah dan faktor yang memengaruhi kinerja saham syariah di Indonesia. Li Falah: Jurnal Studi Ekonomi Dan Bisnis Islam, 5(1), 17-41. https://doi.org/10.31332/lifalah.v5i1.1884 Lyman, C. (2022). Apa itu standar deviasi dan penerapannya dalam investasi? Retrieved from https://pintu.co.id/blog/apa-itu-standar-deviasi-adalah Mahargiyantie, S. (2020). Peran strategis bank syariah Indonesia dalam ekonomi syariah di Indonesia. Al - Misbah, 1(2), 83–94. Maryanti, D., Siregar, H., & Andati, T. (2017). Perbandingan kinerja keuangan perusahaan perkebunan sebelum dan setelah akuisisi. Jurnal Manajemen Dan Agribisnis, 14(2), 92–102. https://doi.org/10.17358/jma.14.2.92 Musdalifah, A., Sri, M., & Maryam, N. (2015). Manajemen investasi fundamental, teknikal, perilaku investor dan return saham. Deepublish. Muslimawati, N. (2022). BSI catat laba bersih Rp 2,1 T di Semester I 2022, Dirut: Berkah Merger. Kumparan Bisnis. Retrieved from https://kumparan.com/kumparanbisnis/bsi-catat-laba-bersih-rp-2-1-t-di-semester-i-2022-dirut-berkah-merger-1ywlrzWxsDI/full Nissa, I. K. (2022). Analisis dampak merger perbankan syariah BUMN pada laba bersih terhadap kinerja keuangan. Jurnal Ilmiah Ekonomi Islam, 8(1), 39-4017. https://doi.org/10.29040/jiei.v8i1.4300 Nurpiana, I., Permana, A., Kosim, B. (2022). Perbedaan kinerja saham indonesia sebelum dan selama masa pandemi covid-19. MOTIVASI: Jurnal Manajemen Dan Bisnis, 7(1), 31–41. https://doi.org/10.32502/mti.v7i1.4516 Prasetyo, H., Julianto, W., & Laela Ermaya, H. N. (2020). Penerapan good corporate governance dan kinerja keuangan terhadap nilai perusahaan. Jurnal Syntax Transformation, 1(10), 709–721. https://doi.org/10.46799/jst.v1i10.164 Prijanto, B., Damayanti, N., & Sari, A. R. (2022). Analisis perbandingan harga saham PT. Bank Rakyat Indonesia Syariah, Tbk sebelum dan sesudah merger menjadi PT. Bank Syariah Indonesia, Tbk. Jurnal Penelitian Pendidikan Indonesia, 8(2), 390. https://doi.org/10.29210/020221501 Putri, L. P. (2017). Pengaruh inflasi dan nilai tukar rupiah atas dollar as terhadap kinerja saham perusahaan property dan real estate di Indonesia. Ekonomikawan: Jurnal Ilmu Ekonomi dan Studi Pembangunan, 17(1). http://dx.doi.org/10.30596%2Fekonomikawan.v17i1.1178 Putri, L. P., & Christiana, I. (2017). Pengaruh kinerja keuangan terhadap kinerja saham pada perusahaan property dan real estate di Indonesia. Jurnal Riset Akuntansi Dan Bisnis, 17(2), 1–12. http://dx.doi.org/10.30596%2Fjrab.v17i2.1726 Putri, N. M., & Ratnawati, D. (2022). Analisis kinerja saham LQ45 selama pandemi covid-19. Nusantara: Jurnal Ilmu Pengetahuan Sosial, 7(2), 408–420. http://dx.doi.org/10.31604/jips.v9i4.2022.1329-1341 Saputra, S., & Supriadi, Y. (2018). Analisis terhadap kinerja saham perusahaan (Studi Kasus PT. Trias Sentosa Tbk. – TRST). Jurnal Ilmiah Manajemen Kesatuan, 6(2), 097–101. https://doi.org/10.37641/jimkes.v6i2.158 Saputri, D., & Kaharti, E. (2022). Analisis perbandingan dampak sebelum dan sesudah merger horizontal terhadap kinerja keuangan perusahaan di indonesia yang terdaftar di BEI periode 2014-2019. Jurnal Ilmiah Mahasiswa Manajemen, Bisnis Dan Akuntansi (JIMMBA), 4(2), 181–189. https://doi.org/10.32639/jimmba.v4i2.70 Sari P. K., Ni'mah, A., & Hana, K. F. (2022). Analisis sinkronisasi budaya kerja sumber daya manusia pada bank syariah Indonesia setelah merger. Jurnal Ilmu Ekonomi Dan Bisnis Islam, 4(1), 31-41. https://doi.org/10.24239/jiebi.v4i1.91.31-41 Sherman, A. J., Morin, D. S. (2011). Mergers and Acquisitions: An Introduction. AMACOM Division of American Management Association International Sihombing, N., & Kamal, M. (2016). Analisis pengaruh pengumuman merger dan akuisisi terhadap abnormal return saham dan kinerja keuangan perusahaan (Studi pada perusahaan yang melakukan merger dan akuisisi pada tahun 2011 dan terdaftar di bursa efek Indonesia). Diponegoro Journal of Management, 5(3), 1–15. Suprihatin, N. S. (2022). Komparasi kinerja keuangan sebelum dan sesudah merger dan akuisisi pada perusahaan pengakuisisi di BEI. JAK (Jurnal Akuntansi) Kajian Ilmiah Akuntansi, 9(1), 126–144. https://doi.org/10.30656/jak.v9i1.4038 Suryawathy, I. G. A. (2014). Analisis kinerja keuangan sebelum dan sesudah merger pada perusahaan yang terdaftar di bursa efek Indonesia. Jurnal Ilmiah Akuntansi Dan Humanika, 3(2), 1123–1133. https://doi.org/10.23887/jinah.v3i2.4050 Tarigan, P. P. Y., & Pratomo, W. (2015). Analisis dampak merger dan akuisisi terhadap abnormal return dan kinerja keuangan pada perusahaan yang terdaftar di bursa efek Indonesia. Jurnal Ekonomi Dan Keuangan, 3(3), 200–212. Usmany, L. R., & Badjra, I. B. (2019). Perbedaan kinerja keuangan bank OCBC NISP sebelum dan sesudah merger di Indonesia. E-Jurnal Manajemen Universitas Udayana, 8(8), 5036. https://doi.org/10.24843/ejmunud.2019.v08.i08.p12 Wang, J., Fu, G., & Luo, C. (2013). Accounting information and stock price reaction of listed companies – evidence from Shanghai stock exchange. Journal of Business & Management, 2(2), 11–21. http://dx.doi.org/10.12735/jbm.v2i2p11 Wareza, M. (2020). Merger bank syariah BUMN, sedahsyat ini dampak ekonominya! CNBC Indonesia. Retrieved from https://www.cnbcindonesia.com/market/20201104143241-17-199258/merger-bank-syariah-bumnsedahsyat-ini-dampak-ekonominya Widati, S., & Tian Gunawan, A. (2021). The effect of price to book value, earning per share and dividend payout ratio on a company's stock price. Journal of Research in Business, Economics, and Education, 3(4), 83–95. Winarto, A., & Wachyu, W. (2021). Analisis komparasi kinerja saham yang terdaftar di Jakarta Islamic Indeks sebelum dan selama pandemi covid 19. Jurnal Manajemen Dayasaing, 23(2), 146–156. Zahrah, I. (2018). Analisis perbandingan kinerja keuangan sebelum dan sesudah merger pada perusahaan manufaktur. Jurnal Ilmu Dan Riset Manajemen, 7(1), 1–18.
Pelatihan Pengelolaan Keuangan Berbasis Syariah Pada PKK Kabupaten Lumajang Sri Abidah Suryaningsih; Clarashinta Canggih; Fira Nurafini; Moch. Khoirul Anwar; Maryam Bte Badrul Munir
Inspirasi: Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol. 3 No. 1 (2023): February
Publisher : Inspirasi Nusantara

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

Abstract

Lumajang is one of the areas in East Java, Indonesia, with a Muslim majority population. As Muslims, we must understand sharia rules, including how to manage sharia-based finance. Based on the results of the interviews, it was found that the majority of Lumajang District PKK cadres who are Muslim still do not optimally understand how to manage finances based on Islamic rules. Therefore, financial management training is needed from a sharia perspective to increase people's knowledge and abilities in managing finances according to Islamic rules to bring goodness to the world and the hereafter. Sharia-based financial management training is carried out through preparation, pre-test, training implementation, and post-test. The training results showed that the participant's understanding of sharia-based financial management increased from an average pre-test score of 71% and an average post-test score of 85%.
ZAKAT LITERACY INDEX AS A TAXABLE INCOME DEDUCTION (A STUDY CASE IN SIDOARJO) Mochammad Imanda Ramadhani; Clarashinta Canggih
Tasharruf: Journal Economics and Business of Islam Vol 8, No 1 (2023): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v8i1.2366

Abstract

This study aims to measure the literacy on zakat as a deduction from taxable income in Sidoarjo. This study uses a quantitative descriptive method an adapted Zakat Literacy Index by BAZNAS to measure the zakat as a taxable income deduction literacy index. The data used in this study was questionnaires about the literacy rate of the people of Sidoarjo. This study uses primary data sources or is collected through questionnaires directly to respondents. The sample used must be a Muslim and have a Taxpayer Identification Number (NPWP) because the measured variable is zakat literacy level as a deduction from taxable income, which is an obligation for a Muslim who has accumulated wealth beyond a certain threshold and is required to pay zakat. There are two dimensions included inthe literacy index of zakat as a taxable income deduction, i.e., a basic understanding of the relationship between zakat and taxes with 4 variables and an advanced understanding of the relationship between zakat and taxes with 3 variables. The findings showed that the literacy level of zakat as the deduction of taxable income in Sidoarjo is moderate which means the society has understood the obligation to pay zakat and taxes, as well as how to fulfill the payment process. The lowest score in the basic dimension is understanding the legal basis of zakat and tax, and in the advanced dimension is understanding the socialization program. The lowest score in each dimension follows the result of the literacy level of zakat in Indonesia that BAZNAS conducted.
The Influence of Sharia Financial Literacy, Religiosity, and Perception of Saving Students’ Interest in Sharia Banks Khoiriyah Ilfita; Clarashinta Canggih
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 3 No 2 (2021): Sharia Economic: January, 2021
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v3i2.1010

Abstract

People in Indonesia in saving activities in sharia banks are still classified in the lower category than conventional banks. It is caused by several factors. Sharia financial literacy, religiosity and perceptions can be factors influencing people's interest in saving at sharia banks. This study aimed to determine the effect of sharia financial literacy, religiosity, and perceptions of saving interest in sharia banks. This study used a quantitative approach. In this research, researchers took samples used random sampling techniques. The data analysis technique used is multiple linear regression using the SPSS program. The results showed that partially sharia financial literacy had no effect on students' interest to save at sharia banks. While religiosity and perception partially have a positive and significant effect on students' interest to save in sharia banks. Simultaneously, sharia financial literacy, religiosity, and perceptions influence the interest of students to save in sharia banks.
Digitizing Halal Tourism and Designing Muslim-Friendly Tourism Categorization as an Effort to Minimize Uncertainty in Halal Tourism in Blitar Raya Moh Farih Fahmi; Moch Khoirul Anwar; Sri Abidah Suryaningsih; Arasyi Fahrulloh; Clarashinta Canggih; Rahmad Syaifudin
Formosa Journal of Multidisciplinary Research Vol. 2 No. 11 (2023): November 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjmr.v2i11.7012

Abstract

Halal tourism in practice is still full of uncertainty. This is due to inconsistency from Muslims, especially in Blitar Raya. This article will discuss three issues, the first is about why halal tourism is still full of uncertainty, the second is designing a Muslim-friendly tourism categorization that supports the implementation of Muslim-friendly tourism and the third is discussing the digitalization of quality Muslim-friendly tourism. This research uses a qualitative method with a mixed approach. The first result of this research is that Muslim-friendly tourism has a high level of uncertainty and causes inconsistencies. Second, uncertainty regarding Muslim-friendly tourism can be minimized by categorizing Muslim-friendly tourism starting from the red, yellow and green categories. Third, this categorization needs to be supported by digitalization to encourage the availability of Muslim-friendly tourism in Blitar Raya.
Analisis Kinerja Keuangan Bank Umum Syariah (BUS) melalui Pendekatan Islamicity Perfomance Index Dewi Sjam; Clarashinta Canggih
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI : Vol. 8, No. 2, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5307

Abstract

The study aims to analyze the financial performance of Sharia commercial banks in Indonesia during 2016-2020 using the Islamicity Perfomance Index (IPI) approach. Measured by Profit Sharing Ratio, Zakat Perfomance Ratio, Equitable Distribution Ratio, Directors-Employee Welfare Ratio, and Islamic Income vs Non Islamic Income. In particular, these index not only measure materially, but also measures the social responsibility of Islamic banking performance. Data analysis used quantitative descriptive method. The research sample taken was 11 (eleven) Islamic banks and considered related to data, period, registered on the Financial Service Authority (OJK). The data obtained from annual report through the Islamic Bank official website. From the study result, it can be concluded that financial perfomance at Sharia Commercial Banks has not had a positive increase along the years. There was a significant degradation on 2017. It is affected by the value of zakat distribution and shareholders. But in terms of halalness, Sharia commercial banks have avoided the element of usury.
Determinants of Generation Z in Paying Zakat, Infaq, and Alms (ZIS) Online in the City of Surabaya Rachmawati, Laela Nur; Canggih, Clarashinta
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 13, No 1 (2023)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (547.538 KB) | DOI: 10.21927/jesi.2023.13(1).1-13

Abstract

(ZIS) in Indonesia has enormous potential in obtaining fundraising, where the Muslim population dominates. However, the facts that occur in the field are that the maximum amount of ZIS fund collection has not been realized. The existence of online ZIS today is a form of innovation for zakat institutions in the era of technological development to be able to help encourage an increase in ZIS collection. This study aims to analyze the factors that influence Gen Z's interest in paying ZIS online. This study uses associative quantitative methods with Sem-PLS analysis and the Smart PLS analysis tool. Sampling used a purposive sampling technique with sample criteria namely Gen Z (15-25) years old Muslims in the city of Surabaya. The results of the study show that the accountability variable influences Gen Z's interest in paying ZIS online. If accountability has increased, the interest of Gen Z in the city of Surabaya in paying ZIS online has increased. Meanwhile, the variables of usability, ease of use, risk, and transparency do not affect Gen Z's interest in making ZIS payments online. The findings from this study are that it can be used to improve the online ZIS system so that fundraising can increase.
Edukasi Akad Usaha dan Bagi Hasil Berdasarkan Prinsip Syariah pada Kelompok Perintis Usaha di Barurambat Timur Fikriyah, Khusnul; Canggih, Clarashinta; Indrarini, Rachma; Nurafini, Fira
IHSAN : JURNAL PENGABDIAN MASYARAKAT Vol 5, No 2 (2023): Ihsan: Jurnal Pengabdian Masyarakat (Oktober)
Publisher : University of Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/ihsan.v5i2.14456

Abstract

Barurambat Timur Kabupaten Pamekasan merupakan desa binaan Jurusan Ilmu Ekonomi yang kini sedang mengembangkan semangat berwirausaha di kalangan masyarakat. Sudah mulai banyak berkembang rintisan usaha yang diinisiasi oleh sekelompok warga untuk memperbaiki kondisi ekonomi keluarga mereka. Namun dalam memulai usaha tentunya banyak hal yang masih belum mereka fahami, diantaranya adalah akad Kerjasama usaha dan bagi hasil atas usaha yang mereka jalankan. Melihat kebutuhan mitra terkait edukasi dan sosialisasi akad Kerjasama dan bagi hasil dalam usaha Bersama, maka tim Pengabdian Kepada Masyarakat melakukan kegiatan Edukasi Kegiatan PKM ini diharapkan dapat memberikan edukasi yang cukup untuk mereka menjalankan usaha agar tidak menghadapi permasalahan terkait Kerjasama di kemudian hari.
Co-Authors Ach. Yasin Agung Budi Setiawan Ahmad Ajib Ridlwan Alfarisy, Fathor Rozy Ali, Asiah Binti Ananda, Fitrotur Rafika Arasyi Fahrulloh Aulia Deva Ferdana Badrul Munir, Maryam Bte Basyirah Ainun Bibi Faiza Farhana Cahyaningtiyas, Eka Daffa Eka Septianda Devia Almeyda Dewi Sjam Fakziah, Sefia Laili Farah Dilla Wanda Damayanti Fata Habibullah Fayi Azzahra, Almirah Febrianti Nilam Sari Fira Nurafini Firdayati, Elda Firmanda, Muhammad Esza Maulana Fitriah Dwi Susilowati Hadjilatif, Sahraman D. Hady, Aufar Fadlul Hapsari Dinar Afifa Hariawan Harnum, Mutiara Puspita Henny Rahma Sari Ibnu Affan Ilfita, Khoiriyah Imron Mawardi Jayanti, Rista Dwi kailun, Ilzania Khoiriyah Ilfita Khusnul Fikriyah LUCKY RACHMAWATI Lusiana Handayani Maghfira Musdalifah Melania Islami Maryam Bte Badrul Munir Mauliddiana, Rizka Maulidiyah, Musaidatul Maulidysneni Nurvita Sukma Mauliza, Abil Yositya Indah Meyta Amelia Rusbianti Moch. Khoirul Anwar Mochammad Imanda Ramadhani Moh Farih Fahmi Muhammad Bayu Dwie Saputra Muhammad Dzanizar Miftahul Arifin Munir, Maryam Bte Badrul Nurafini, Fira Nurul Hamidah, Nurul Nurul Hanifah Pur Wulan Septy, Hilda Tri Rachma Indrarini Rachmawati, Laela Nur Rahma, Aldra Puspita Rahmad Syaifudin Rizkiyah Rokhmatul Laili Rofiqo, Azidni Rohmaningtyas, Nurwinsyah Rosa, Sintya Prilla Safira, Rana Izza Sari, Henny Rahma Septiyanti, Tifanny Tassyah Sjam, Dewi Sri Abidah Suryaningsih Susanti, Nopi Syabani, Raisa Taufiq Kurniawan Tony Seno Aji Tri Elok Kosnia Wenni, Atika Novirda Yan Putra Timur Zaimy Johana Johan