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All Journal Signifikan : Jurnal Ilmu Ekonomi ETIKONOMI El Dinar Mazahib: Jurnal Pemikiran Hukum Islam
Nur Hidayah
Scopus ID: 57610727500 UIN Syarif Hidayatullah Jakarta
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Other

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Does the Merger of the Indonesian Islamic Bank Matter for Its Social Mission of Economic Empowerment? Ainul Fatha Isman; Nur Hidayah
ETIKONOMI Vol 23, No 2 (2024)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v23i2.39810

Abstract

Research Originality: Economic empowerment through financing Micro Small Medium Enterprises (MSMEs) is one dimension of the social mission of sharia banking in Indonesia. The merger action of Bank of Sharia Indonesia (BSI) raises the question of whetherthe performance of economic empowerment has changed.Research Objectives: This research aims to analyse the differences in the BSI’s performance of economic empowerment during preand post-merger periods and analyse the issues and strategies for improving BSI's post-merger economic empowerment performance.Research Methods: It is a research using mixed method combining a quantitative explorative analysis approach using Wilcoxon Test, and a qualitative one using Analytic Network Process.Empirical Results: This research finds that BSI's economic empowerment performance has increased in terms of the quantity but decreased in terms of proportion in the post-merger period. ANP research demonstrates that risk management is a priority issue for the BSI post-merger period. The social mission of economic empowerment indicates several priority issues, namely, the relatively higher rate of profit margin than interest, the inadequate supervision model, the low rate of risk management literacy, and the relatively higher risk of profit loss sharing (PLS)-based financing. The strategy analysis indicates that policy intervention for BSI’s MSMEs financing is a top priority in improving the performance of its economic empowerment.Implications: This research recommends some recommendations for sharia banks’ MSMEs financing equivalent to the one of conventional banks. Economic digitalization as technological means to widen accessibility of economic empowerment and distribution segmentation focusing more on the halal sector.JEL Classification: A13, G21, G34How to Cite:Isman, A. F., & Hidayah, N. (2024). Does the Merger of the Indonesian Islamic Bank Matter for Its Social Mission of Economic Empowerment? Etikonomi, 23(2), 333 – 352. https://doi.org/10.15408/etk.v23i2.39810.
Islam and the State: The Evolution of Sharia Banking Regulation in Indonesia Hidayah, Nur; Haryatih, Haryatih; Kamilah, Rihadatul Aisy
Mazahib Vol 23 No 2 (2024): VOLUME 23, ISSUE 2, 2024
Publisher : Fakultas Syariah UINSI Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/mj.v23i2.9335

Abstract

The interplay of social, economic, and political dynamics influences the legal development of Sharia banking regulations. This study aims to analyze the evolution of Sharia banking regulations in Indonesia from their inception to the most recent developments. Using a juridical-legal approach, the research identifies five key phases in the development of Sharia banking regulations in Indonesia: initial, introduction, recognition, purification, and relaxation phases. Such regulatory changes have resulted from the negotiations among various stakeholders to reconcile the ideals of Sharia finance with the pragmatic needs of the banking industry, as well as the interest in strengthening the national financial system. Such legal development of Sharia banking regulations in Indonesia reflects the adaptability of Islamic law, enabling Sharia finance to evolve in response to societal changes and contextual dynamics while remaining grounded in the ethical principles of the Islamic moral economy.
The Management of Productive Zakat in Indonesia: The Case of Baznas’ Economic Empowerment Program Hosen, Muhamad Nadratuzzaman; Hidayat, Rahmat; Hidayah, Nur; Lathifah, Fitriyani
Signifikan: Jurnal Ilmu Ekonomi Vol 13, No 2 (2024)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v13i2.42673

Abstract

Research Originality: This study contributes to the gap in the literature on the empowerment process in measuring the success history of zakat management.Research Objectives: This research aims to measure the factors influencing the improvement of Mustahik's welfare through a mediating variable, namely, the empowerment process.Research Methods: This research uses mixed-method analysis through quantitative and qualitative approaches. Quantitative approach using SEM-PLS.Empirical Results: The study's findings show that the empowerment process is a mediating variable capable of providing more substantial value and a favorable influence on Mustahik welfare, depending on input factors such as zakat funds and mentorship at the individual, organizational, and community levels. Meanwhile, the Z-Chicken initiative had no substantial positive influence on Mustahik's welfare.Implications: The study's findings indicate the necessity of assessing Baznas' management of distribution programs to improve the empowerment process, primarily via the community empowerment method.JEL Classification: I30, I31, O12
THE INTENTION TO INVEST IN SUKUK: DO VALUE PROPOSITIONS MATTER? Pepadri, Isman; Hidayah, Nur
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 13, No 2 (2025): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v13i2.32179

Abstract

This study aims to analyze the level of importance-performance and influence of value proposition indicators on investment decisions in Retail Sukuk by integrating two analytical frameworks. The first is the Importance-Performance Analysis assessed through descriptive statistics, and the second is the Theory of Planned Behavior, tested using inferential statistical analysis. Based on responses from 152 deposit holders residing in Jakarta, the findings revealed that four indicators shaping behavioral attitudes significantly influenced investment intentions. Among these, state guarantees and competitive coupon rates must be maintained as core value propositions; support for government programs shows potential to become a key value; and the fixed coupon rate does not require emphasis. Additionally, the four indicators influencing perceived behavioral control also had a positive effect on intention. Affordable investment thresholds and ease of access to purchasing must be sustained as key strengths; short tenor does not necessitate enhancement; and information regarding issuance should become a primary area for improvement. Practically, these findings suggest that issuers must improve their communication strategies and explore opportunities to offer more competitive coupon rates for Retail Sukuk. Theoretically, the combination framework proves to be a relevant and effective approach, yielding valuable empirical insights for researchers.
Co-Authors Ainul Fatha Isman Haryatih, Haryatih Kamilah, Rihadatul Aisy Muhamad Nadratuzzaman Hosen Pepadri, Isman Rahmat Hidayat