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All Journal Al Fuadiy: Jurnal Hukum Keluarga Islam Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Ihsanika : Jurnal Pendidikan Agama Islam Maslahah: Jurnal Manajemen dan Ekonomi Syariah Journal of Islamic Economics and Finance Jurnal Manajemen dan Pendidikan Agama Islam Jurnal Intelek Dan Cendikiawan Nusantara Jurnal Intelek Insan Cendikia Jurnal Ekonomi Manajemen Dan Bisnis (JEMB)
Askari Zakariah
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Peran Zakat dalam Meningkatkan Kesejahteraan Ekonomi Masyarakat Karmilah Karmilah; Askari Zakariah; Novita Novita
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 2 No. 3 (2024): September : Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nuansa.v2i3.1251

Abstract

Zakat is one of the main pillars of Islam, required of Muslims who possess wealth exceeding the nisab threshold. Beyond its religious obligation, zakat also serves as a strategic tool for poverty alleviation and socioeconomic enhancement. The primary objective of zakat is to purify the wealth and soul of the muzakki (zakat giver) and to assist the mustahik (zakat recipients) in meeting their basic needs. In Indonesia, with its large Muslim population, the potential for zakat is significant, yet its impact on poverty reduction remains limited. Optimal zakat management is essential to ensure targeted distribution. Zakat includes eight categories of recipients: fakir, miskin, amil, muallaf, riqab, gharim, fii sabilillah, and ibn sabil. Through a productive approach, zakat can provide business capital and training to mustahik, enhancing their economic self-sufficiency and reducing social inequality. This study employs a library research method and a qualitative approach to explore the role of zakat in improving community welfare. The findings indicate that effective zakat management, especially in the form of productive zakat, can strengthen social solidarity and promote economic empowerment. Zakat functions not only as wealth redistribution but also as a holistic empowerment tool, contributing to achieving more equitable and comprehensive societal welfare.
Penerapan Fungsi Manajemen Pengelolaan Kelas dalam Meningkatkan Minat Belajar Siswa di Era Gen Z Nurul Azizah; Askari Zakariah; Novita Novita
IHSANIKA : Jurnal Pendidikan Agama Islam Vol. 1 No. 4 (2023): Desember : Jurnal Pendidikan Agama Islam
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/ihsanika.v1i4.677

Abstract

The aim of this research is to find out about the contribution of educational psychology to curriculum development, as well as its contribution to student development. The research method used in this research is a descriptive literature study. In the Gen Z education era, students' interest in learning is the main focus in implementing classroom management functions. Several internal and external factors influence this interest in learning. Internal factors include curriculum, teaching methods, technology, and the quality of teacher-student relationships, while external factors include the influence of social media, family pressure, and the surrounding environment. Gen Z students are more responsive to flexible and interactive learning, with an emphasis on appropriate modern technology. A curriculum that gives students freedom to study topics of interest or adjust study time to their activities is very important. The use of variations in teaching methods, such as varied presentations and using multimedia, can maintain students' interest in learning. Even though technology provides access to broad information and interactive learning, excessive use can disrupt the learning process, so it needs to be managed in a balanced manner. Positive relationships between teachers and students are a key factor in increasing interest in learning, enabling appropriate and interesting learning arrangements. Social media can be a major distraction and its wise use is necessary to maintain student focus. Pressure from the family can also influence students' interest in learning, so a supportive environment must be created by the teacher. A deep understanding of students' surroundings allows teachers to design classroom management strategies that are more relevant and interesting, involving collaboration between schools, families and communities.
Pengaruh Bacaan (Qira’ah) Al-Qur’an dalam Pembentukan Hukum Islam Muspira Muspira; Askari Zakariah; Novita Novita
Al Fuadiy Jurnal Hukum Keluarga Islam Vol. 5 No. 2 (2023): Al Fuadiy : Jurnal Hukum Keluarga Islam
Publisher : Nurul Qarnain College of Sharia Studies, Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/af.v5i2.660

Abstract

The Qur'an is the source and pillar of the Islamic religion, in which there are various rules that will not change with changes in time and place. The Qur'an also contains global laws and an explanation of the correct faith, apart from being a proof for the continued existence of the Islamic religion. The Qur'an is also a revelation that comes directly from Allah SWT. There are various instructions and commands from Allah SWT that should be carried out by the people.
Analisis Perbandingan Kinerja Keuangan Bank Syariah dan Bank Konvensional Mustabsyirah Mustabsyirah; Askari Zakariah; Novita Novita
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 2 No. 4 (2024): Oktober : Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v2i4.1617

Abstract

This study aims to analyze and compare the financial performance of Islamic banks and conventional banks in Indonesia using library research methods. Data sources come from related literature such as scientific journals, articles, previous research reports, and relevant online sources. Bank financial performance is measured through several ratios including capital ratio (CAR), asset quality (NPL), liquidity (LDR), profitability (ROA and ROE), and efficiency (BOPO) which are calculated based on the bank's financial statements. The results of the analysis show that in general the financial performance of both types of banks is in a healthy condition and meets regulatory standards. However, there are differences in performance in several ratios individually. Conventional banks tend to have better performance in CAR, NPL, BOPO, and ROA ratios, indicating better capital quality, assets, operating costs, and profitability. Meanwhile, Islamic banks show better liquidity performance (LDR) and asset growth. However, the difference in performance is not yet fully statistically significant. In general, the financial performance of conventional banks is superior. However, the performance of Islamic banks also experienced an annual increase. To improve competitiveness, Islamic banks need to continue to make improvements, especially in terms of capital, cost management, credit quality, and increasing fee-based products. Both types of banks have developed and operated harmoniously without causing significant financial turmoil. The results of the study are expected to provide a stronger picture of the comparison of the financial performance of Islamic and conventional banks in Indonesia.
Peran Guru PAI dalam Pembinaan Akhlak Peserta Didik di Indonesia Najma Fajriani; Askari Zakariah; Novita Novita
Jurnal Manajemen dan Pendidikan Agama Islam Vol. 2 No. 6 (2024): November: Jurnal Manajemen dan Pendidikan Agama Islam
Publisher : Asosiasi Riset Pendidikan Agama dan Filsafat Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jmpai.v2i6.581

Abstract

The cultivation of students' morals by Islamic Education teachers is of utmost importance in both worldly and spiritual life. Its aim is to shape the character of students with noble virtues according to Islamic teachings, such as obedience to Allah and His Messenger, and respect for parents. The process of moral upbringing is conducted continuously and systematically to transform and instill positive attitudes and behaviors in students, with the goal of achieving happiness in both this world and the hereafter.This study employs a literature review approach to identify the role of Islamic Education teachers in nurturing students' morals. Teachers of Islamic Education bear moral and professional responsibilities to provide continuous and guided guidance so that students can internalize Islamic moral values in their daily lives.The conclusion of this study affirms that the cultivation of students' morals by Islamic Education teachers is a strategic effort to shape a generation that is of high quality both morally and spiritually. This effort is crucial in preparing students to face life's challenges and to pursue happiness in both the present life and the afterlife
Tantangan dan Peluang Bank Syariah dalam Menghadapi Perkembangan di Era Digital Fatmawati, Fatmawati; Askari Zakariah; Novita , Novita
Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Vol. 2 No. 1 (2024): September
Publisher : Publikasi Inspirasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62017/jemb.v2i1.2092

Abstract

Jurnal ini membahas tantangan dan peluang yang dihadapi oleh bank syariah dalam era digital, dengan tujuan menganalisis bagaimana bank syariah dapat memanfaatkan peluang yang ada sambil mengatasi tantangan yang muncul akibat perkembangan digital. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan studi kepustakaan, yang mencakup pengumpulan, pengkajian, dan analisis literatur relevan seperti buku, artikel jurnal, laporan penelitian, dan dokumen resmi. Hasil penelitian menunjukkan bahwa bank syariah menghadapi tantangan di era digital, termasuk kebutuhan akan sumber daya manusia yang berkualitas, perlindungan konsumen, keamanan siber, dan peningkatan literasi keuangan masyarakat. Namun, era digital juga membuka peluang besar bagi bank syariah untuk meningkatkan efisiensi operasional, memperluas jangkauan pasar, dan menawarkan layanan inovatif. Untuk menghadapi era digital, bank syariah perlu menerapkan strategi peningkatan keterampilan tenaga kerja, pemanfaatan teknologi digital, penerapan regulasi yang mendukung, dan inovasi melalui pengembangan startup. Transformasi menuju digital banking memungkinkan bank syariah tetap kompetitif dan relevan di tengah kemajuan teknologi, memastikan kebutuhan nasabah terpenuhi dengan cara yang cepat dan praktis.
PENGARUH PENGELOLAAN ZAKAT OLEH BANK SYARIAH TERHADAP PENINGKATAN LITERASI KEUANGAN SYARIAH DI KALANGAN MASYARAKAT Nahda Afniatul Ataya; Askari Zakariah; Novita , Novita
Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Vol. 2 No. 1 (2024): September
Publisher : Publikasi Inspirasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62017/jemb.v2i1.2204

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pengelolaan zakat oleh bank syariah terhadap peningkatan literasi keuangan syariah di kalangan masyarakat. Penelitian ini menggunakan metode literatur review dengan menggunakan pendekatan kualitatif pada studi literatur. Penulis akan mencari sumber informasi melalui jurnal-jurnal atau buku-buku berdasarkan dengan pembahasan yang akan dikaji oleh penulis. Hasil penelitian menunjukan bahwa pengelolaan zakat oleh bank syariah tidak hanya meningkatkan distribusi zakat secara efektif, tetapi juga memberikan edukasi kepada masyarakat mengenai prinsip-prinsip dasar keuangan syariah. Dampaknya, terdapat peningkatan yang bermakna dalam pemahaman masyarakat terhadap literasi keuangan syariah, terutama dalam hal pengelolaan keuangan pribadi sesuai dengan prinsip-prinsip syariah. Kesimpulan dari penelitian ini adalah bahwa pengelolaan zakat oleh bank syariah berkontribusi positif terhadap peningkatan literasi keuangan syariah di kalangan masyarakat, yang pada akhirnya mendukung pengembangan ekonomi syariah secara keseluruhan.
Menelisik Profitabilitas Bank Syariah Indonesia (BSI) Melalui Rasio Return On Asset (ROA), Return On Equity (ROE) dan Net Profit Margin (NPM) Studi Kasus Tahun 2022-2023 Nurkasmadani , Nurkasmadani; Askari Zakariah; Novita , Novita
Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Vol. 2 No. 1 (2024): September
Publisher : Publikasi Inspirasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62017/jemb.v2i1.2214

Abstract

Jurnal ini menjelaskan mengenai kinerja keuangan Bank Syariah Indonesia (BSI) periode 2022-2023 menggunakan rasio profitabilitas guna menilai bagaimana kinerja keuangan dari BSI. Jurnal ini menggunakan metode studi dokumen berupa dokumen-dokumen laporan keuangan BSI neraca dan laba rugi periode 2022-2023. Jenis penelitian yang digunakan dalam jurnal ini yaitu jenis penelitian kuantitaif dengan pendekatan deskriptif Hasil dari penelitian dalam jurnal ini menunjukkan rasio profitabilitas (Return On Asset, Return On Equity dan Net Profit Margin) bahwa kinerja keuangan Bank Syariah Indonesia (BSI) mengalami peningkatan yang cukup baik meskipun ada beberapa akun pada laporan keuangan (neraca dan laba rugi) yang mengalami fluktiaktif (naik turun) namun tidak mempengaruhi kinerja keuangan bank..
ANALISIS PENERAPAN TEKNOLOGI YANG MENGGUNAKAN PRINSIP SYARIAH PADA RANTAI PASOK BISNIS WARALABA Iftitah Amanah Bachtiar; Askari Zakariah; Novita , Novita
Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Vol. 2 No. 1 (2024): September
Publisher : Publikasi Inspirasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62017/jemb.v2i1.2259

Abstract

Penelitian ini mengkaji penerapan teknologi berbasis prinsip syariah dalam manajemen rantai pasok bisnis waralaba. Dalam konteks globalisasi dan perkembangan teknologi yang pesat, integrasi prinsip syariah dalam operasional bisnis waralaba menjadi penting untuk memastikan kepatuhan terhadap nilai-nilai etika dan hukum Islam. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi kasus untuk mengeksplorasi bagaimana teknologi dapat diadaptasi dalam rantai pasok sambil mematuhi prinsip syariah, termasuk aspek kehalalan produk, keadilan transaksi, dan transparansi. Hasil penelitian menunjukkan bahwa penerapan teknologi seperti sistem informasi terintegrasi dan blockchain dapat mendukung transparansi dan akuntabilitas, serta meminimalkan risiko ketidakpatuhan syariah. Studi ini juga mengidentifikasi tantangan yang dihadapi dalam integrasi teknologi dan prinsip syariah, serta memberikan rekomendasi untuk pengembangan lebih lanjut dalam mengoptimalkan rantai pasok bisnis waralaba dengan tetap menjaga integritas syariah. Penelitian ini berkontribusi pada pemahaman tentang sinergi antara teknologi modern dan prinsip syariah dalam konteks manajemen rantai pasok, serta memberikan panduan praktis bagi pelaku bisnis waralaba yang ingin mematuhi norma-norma syariah.
Pengaruh Lokasi Usaha Terhadap Pendapatan Pedagang Menurut Perspektif Ekonomi Syariah: Studi Literatur Tentang Pengaruh Lokasi Terhadap Pendapatan Pedangan Hajrah Hajrah; Askari Zakariah; Novita Novita
Journal of Islamic Economics and Finance Vol. 2 No. 1 (2024): Februari: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v2i1.670

Abstract

Income is the amount of money or goods received from other parties, as well as profits from industry, which are estimated based on the amount of money currently available. When selling both in the market and outside the market area, traders must have a strategy so that their merchandise is sold and the trader's income increases. So this research aims to determine the effect of business location on income according to a sharia economic perspective. The type of research used in this research is library research using 30 out of 50 references, where the data source is taken from Google Scholar. The approach used in this research is a qualitative approach with domain data analysis. The results of this research indicate that location has a significant influence on trader income. This is because the more strategic a location a trader chooses, the higher the income they will earn. If the location is also easy to reach, it will be easier for consumers to get what they want, as in Islamic teachings that if someone gives kindness to another person, that kindness will return to him.
Co-Authors Fatmawati Fatmawati Hajrah Hajrah Iftitah Amanah Bachtiar Indah Saputri Karmilah Karmilah Khusnul Hasiah Mawar Kelana Muspira Muspira Mustabsyirah Mustabsyirah Nahda Afniatul Ataya Najma Fajriani Novita , Novita Novita Novita Novita Novita Nurkasmadani , Nurkasmadani NURUL AZIZAH Nurul Hildayani Rusni Rusni, Rusni Watil Qur’an