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All Journal Global Review of Islamic Economics and Business MIZAN EconBank : Journal Economics and Banking Mizan: Journal of Islamic Law At-Tasharruf: Jurnal Ekonomi dan Bisnis Syariah
Arief, Zaenal
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Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Philanthropy for Widows at Islamic University-Based Islamic Microfinance Institutions in Madura Indonesia After the Covid-19 Pandemic Harisah, Harisah; Arief, Zaenal; Dahlan, Rahmat; Rahmawati, Rahmawati; Ahmad, Azlin Alisa
Mizan: Journal of Islamic Law Vol 8, No 1 (2024): Mizan: Journal of Islamic Law
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/mizan.v8i1.2881

Abstract

Universities perform a role beyond the enhancement of knowledge in modern society. During the epidemic, however, numerous institutions contributed to the improvement of the community's economy, and this trend persisted after the outbreak. The financial institutions established on the campuses of Madura's Islamic universities govern philanthropy as one of the instruments for economic development. Utilizing interviews, observation, and documentation, this research was conducted using a qualitative methodology. The study's findings indicate that Islamic universities in Madura, through Islamic financial institutions and Islamic boarding schools, contribute to the improvement of the community's economy from the pandemic to the post-pandemic era through the use of philanthropic instruments, one of which is a widow. Widows are viewed as one of the categories that must be aided by the economy because it is usual for widows, especially those with children, to encounter economic hardships. In Islamic microfinance institutions founded on Islamic colleges in Madura, types of generosity include building houses, supplying meals on a blessed Friday, offering zakat maal and zakat fitrah, waqf in the form of daily necessities, and productive economic forms including capital aid.
PHILANTHROPY FOR WIDOWS AT ISLAMIC UNIVERSITY-BASED ISLAMIC MICROFINANCE INSTITUTIONS IN MADURA INDONESIA AFTER THE COVID-19 PANDEMIC Harisah, Harisah; Arief, Zaenal; Dahlan, Rahmat; Rahmawati, Rahmawati; Ahmad, Azlin Alisa
JURNAL ILMU SYARIAH Vol 12 No 1 (2024): JUNI
Publisher : IBN KHALDUN BOGOR

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/mizan.v12i1.20375

Abstract

Universities perform a role beyond the enhancement of knowledge in modern society. During the epidemic, however, numerous institutions contributed to the improvement of the community's economy, and this trend persisted after the outbreak. The financial institutions established on the campuses of Madura's Islamic universities govern philanthropy as one of the instruments for economic development. Utilizing interviews, observation, and documentation, this research was conducted using a qualitativemethodology. The study's findings indicate that Islamic universities in Madura, through Islamic financial institutions and Islamic boarding schools, contribute to the improvement of the community's economy from the pandemic to the post-pandemic era through the use of philanthropic instruments, one of which is a widow. Widows are viewed as one of the categories that must be aided by the economy because it is usual for widows, especially those with children, to encounter economic hardships. In Islamic microfinance institutions founded on Islamic colleges in Madura, types of generosity include building houses, supplying meals on a blessed Friday, offering zakat maal and zakat fitrah, waqf in the form of daily necessities, and productive economic forms including capital aid.
Strategi Pengembangan Investasi Pasar Uang Syariah Pada Bank Syariah di Indonesia Arief, Zaenal; Agus Taruno; Harisah; Rahmat Dahlan; Rahmawati
At-Tasharruf "Jurnal Kajian Ekonomi dan Bisnis Syariah" Vol. 5 No. 2 (2023): At-Tasharruf
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/at.v5i2.1064

Abstract

The sharia money market at Sharia Commercial Banks in Indonesia is a forum for overcomes the liquidity shortage of financial institutions including sharia commercial banks as instruments with sharia principles. The research objective is to describe the BUS investment development strategy in PUAS which is a literature study with qualitative descriptive analysis. The result is there are two strategies, namely creating instruments and designing operational mechanisms.
Artificial Intelligence to Control the Consumption of Islamic Banking Customers Maryadi, Maryadi; Arief, Zaenal; Nuriasari, Selvia; Rodoni, Ahmad; Amelia, Erika
EconBank: Journal of Economics and Banking Vol 6 No 1 (2024): Econbank
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v6i1.311

Abstract

This study aims to complete literacy about the application of artificial intelligence technology in business functions, namely in the consumption function. This research method is a literature review by analyzing books and literature from various databases related to the research theme. The data used in this study is qualitative data from literature studies obtained from books and articles through various databases such as Scopus, Web of Science, Google Scholar, and other valid online sources to obtain research-themed material during March and April 2023. The use of mobile banking continues to increase. The features available in mobile banking provide comfort and convenience in making transactions. This can lead to consumption patterns that are not in accordance with the rules set out in Islamic law. Artificial intelligence technology can be applied in various business functions including production, distribution, procurement, and so on. In the consumption function, artificial intelligence can be designed to control consumption so that it conforms to Islamic principles, for example consuming halal goods, excessive amounts, and so on. The artificial intelligence technology adopted in mobile banking services is expected to become one of the monitoring tools to encourage Islamic banking customers to always commit to consumption rules, and prevent all forms of deviation from the correct consumption path.
Liability Driven Investment Analysis for Hajj Financial Management Optimization using Analytic Network Process Approach Juniastanti, Erwinda Anggraini; Ratnawati, Nirdukita; Jayaprawira, Acep Riana; Achsani, Muhammad Nur Faaiz Fathah; Arief, Zaenal
Global Review of Islamic Economics and Business Vol. 11 No. 2 (2023)
Publisher : Faculty of Islamic Economics and Business, State Islamic University Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/grieb.2023.112-07

Abstract

In this research, a liability-driven investment strategy is determined which aims to optimize hajj financial management using the Analytic Network Process approach. Based on the results of Benefit, Opportunity, Cost and Risk (BOCR) approach, it shows that in a liability-driven investment strategy, the benefit (excess) and risk components are the most important factors that investors pay attention to. In determining alternative liability-based investment strategies, there are 2 (two) approaches, either by carrying out portfolio immunization (duration matching) or cash flow matching (cash-flow matching). From these two strategies, it was found that the portfolio immunization strategy was the most suitable strategy to be implemented at BPKH in terms of the return and risk dimensions. Then the strategy is implemented through a portfolio-mix combinations between hedging portfolios and growth portfolios (return generating portfolios), and the most appropriate composition based on the dimensions of returns and risks is the hedging portfolio whose magnitude is above the growth portfolio. It can be said that BPKH can carry out a liability-driven investment strategy through a portfolio immunization strategy that contains a hedging portfolio (such as SBSN and corporate sukuk) that is larger than the growth portfolio (such as KIK EBAS, EBAS-SP, KIK DINFRA, KIK DIRE, Limited Investment Mutual Funds, and Direct Investment and Others). Originality/Value: The novelty of this study is analysing the hajj fund by BPKH in a deeper and specific extent by displaying future liability data.
Co-Authors Achsani, Muhammad Nur Faaiz Fathah Agus Taruno Ahmad Rodoni Ahmad, Azlin Alisa Erika Amelia Harisah Harisah, Harisah Jayaprawira, Acep Riana Juniastanti, Erwinda Anggraini Maryadi Maryadi nirdukita ratnawati, nirdukita Rahmat Dahlan Rahmat Dahlan Rahmawati Rahmawati, Rahmawati Selvia Nuriasari