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All Journal Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Journal of Islamic Monetary Economics and Finance Jurnal Review Pendidikan dan Pengajaran (JRPP) Al-Kharaj: Journal of Islamic Economic and Business Jurnal Ilmiah Akuntansi Peradaban Tangible Journal Bertuah : Jurnal Syariah dan Ekonomi Islam LOSARI: Jurnal Pengabdian Kepada Masyarakat Jurnal Ar-Ribh Margin Eco : Jurnal Ekonomi dan Perkembangan Bisnis Mauriduna : Journal of Islamic studies Jurnal Ekonomi Syariah dan Bisnis SIMBOL : Jurnal Administrasi Publik dan Pemerintahan Mutlaqah: Jurnal Kajian Ekonomi Syariah Indonesian Research Journal on Education Kartika: Jurnal Studi Keislaman Al-Jadwa: Jurnal Studi Islam
Arsyad, Kamaruddin
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STRENGTHENING ZAKAH COMPLIANCE AMONG INDONESIAN MUSLIMS THROUGH THE ROLE OF INSTITUTIONAL CAPABILITIES Razak, Syaparuddin; Nasuka, Moh.; Syahabuddin, Syahabuddin; Arsyad, Kamaruddin; Darwis, Muh.
Journal of Islamic Monetary Economics and Finance Vol 10 No 3 (2024)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v10i3.2081

Abstract

This study examines the mediating role of institutional capabilities in the complex interplay between zakah regulation, leadership, and entrepreneurial competencies, aiming to understand their collective impact on the augmentation of zakah compliance. To this end, a questionnaire was distributed to 833 Indonesian Muslims who actively contribute zakat to official institutions, and the data are analyzed using partial least squares structural equation modeling. The findings underscore the pivotal role of institutional capabilities as a mediator between zakah regulation, leadership, and entrepreneurial competencies, with entrepreneurial skills exerting the most notable influence on zakah compliance. Further, perceived taqwa emerges as a robust influencer of compliance, while zakah regulation demonstrates a dual impact on both compliance and institutional capabilities. Additionally, the study advocates for prioritizing the development of entrepreneurial competencies within zakah institutions, aligning regulations with institutional growth, and nurturing perceived taqwa to fortify zakah compliance on a global scale. Departing from conventional approaches, this study adopts an innovative method by evaluating the efficacy of zakat institutions through institutional capabilities, particularly focusing on entrepreneurial competencies. The introduction of institutional capabilities as a mediating factor signifies a departure from the traditional framework, providing a novel perspective on the evaluation of resource reallocation and strategic direction.
The Effectiveness Of Implementing The Musyarakah Mutanaqisah (MMQ) Contract On The Financing Of Home Ownership Credit Products (KPR) BTN Syariah Makassar Branch Hamid, Supriadi; Supriani, Nuraisyah; Arsyad, Kamaruddin
Jurnal Ar-Ribh Vol 7, No 1 (2024): April 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v7i1.14524

Abstract

The purpose of this study was to find out how the implementation of the Musyarakah Mutanaqisah (MMQ) contract for financing home ownership credit (KPR) and to analyze the effectiveness of implementing the MMQ contract for financing KPR products at Bank BTN Syariah Makassar Branch. This type of research is a qualitative research with a descriptive approach. The data sources of this research are primary and secondary data . Data collection methods used in this research are observation, interviews, and documentation. The results of this study indicate that the implementation of the MMQ contract in financing KPR products at the Makassar Branch of BTN Syariah bank is that the bank and the customer jointly buy a house object and then agree to rent it out again to gain profit from the rental with a profit sharing ratio, where the customer as the owner as well as the tenant is obliged to pay installments bank principal and lease, the portion of bank ownership will decrease due to gradual purchases and full ownership for the customer of the object at the end of the period. The results of this study also explain that the application of the MMQ contract in financing KPR products of Bank BTN Syariah Makassar is still ineffective because in practice it still creates a conflict with the characteristics of MMQ.
kontribusi bank isam dalam pengembangan halal industri di sulawesi selatan Arsyad, Kamaruddin; Gani, Ilham; Haliding, Safri
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 7 No 2 (2023): Oktober 2023
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v7i2.38587

Abstract

Islamic banking can play a significant role in developing the halal industry in South Sulawesi. This study examines the strategies for developing the halal industry through Islamic banking financing models and the support of the local government in South Sulawesi. The study uses field research and secondary data to collect information from Islamic banks, the South Sulawesi Provincial Government, halal industry business players, and the community. The findings show that the halal industry in South Sulawesi is experiencing positive growth. The Provincial Government supports the halal industry by providing a free halal certification program for small and medium enterprises (SMEs) and small and medium industries (IKM). However, Islamic banking does not directly provide financing to the halal industry. The study recommends the following models for distributing halal industry financing: community-based distribution, Islamic boarding school-based distribution, mosque-based distribution, and MSME distribution guided by the government, institutions, State-owned enterprises (BUMN), and Regional-owned enterprises (BUMD).
Inovasi Produk Berbasis Akad dalam Meningkatkan Inklusi Pasar Modal Syariah Aditya; Rostiani, Helda; Arsyad, Kamaruddin
Mauriduna: Journal of Islamic Studies Vol 5 No 2 (2024): Mauriduna: Journal of Islamic Studies, November 2024
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat, Sekolah Tinggi Ilmu Bahasa Arab Ar Raayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37274/mauriduna.v5i2.1294

Abstract

Studi ini berusaha menelaah kembali implementasi akad dalam industri keuangan pasar modal syariah. Isu ini di angkat dikarenakan Pasar Modal Syariah telah tumbuh signifikan dengan peningkatan nilai aset pada instrumen keuangan syariah seperti sukuk dan saham syariah. Sukuk menjadi motor pembiayaan proyek sesuai prinsip syariah, menciptakan sumber pendanaan berkelanjutan dan iklim bisnis. Hal ini menjadi penting sebab roadmap yang di rancang untuk pasar modal syariah salah satunya meningkatkan inklusi. Sehingga penelitian ini dilakukan dengan studi Pustaka. Hasil penelitian ini menunjukkan hubungan yang sangat erat antara inovasi produk dalam menarik minat masyarakat. Karena dalam meningkatkan inklusi pasar modal syariah tidak cukup hanya pada pembenahan infrastruktur tetapi dari segi inovasi produk berbasis akad juga perlu menjadi perhatian. This study seeks to re-examine the implementation of contracts in the Islamic capital market financial industry. This issue is raised because the Islamic capital market has grown significantly with an increase in the value of assets in Islamic financial instruments such as sukuk and Islamic stocks. Sukuk has become the motor of project financing in accordance with sharia principles, creating a sustainable source of funding and a business climate. This is important because the roadmap designed for the Islamic capital market is one of increasing inclusion. So this research was conducted with a literature study. The results of this study show a very close relationship between product innovation and attracting public interest. Because in increasing the inclusion of the Islamic capital market, it is not enough just to improve the infrastructure, but in terms of contract-based product innovation, it also needs attention.
Analisis Pengaruh Kualitas Komunikasi Dan Pelayanan Customer Service Dalam Meningkatkan Jumlah Nasabah Bank Syariah Arsyad, Kamaruddin; Rismawati; Ramadani, Sindy
Jurnal Administrasi Publik dan Pemerintahan Vol. 4 No. 1 (2025): SIMBOL : Jurnal Administrasi Publik dan Pemerintahan
Publisher : LPPM STISIP IMAM BONJOL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55850/simbol.v4i1.173

Abstract

Tujuan dari penelitian ini untuk menganalisis cara komunikasi yang diterapkan oleh Bank Syariah Indonesia (BSI) guna meningkatkan pelayanan kepada nasabah. Komunikasi yang efisien adalah faktor penting dalam mempertahankan hubungan yang positif antara bank dan nasabah, terutama dalam konteks perbankan syariah yang mengandung nilai dan prinsip tertentu. Penelitian ini mengadopsi metode Tinjauan Literatur, yang hampir serupa dengan penelitian kualitatif menggunakan pendekatan deskriptif. Data yang saya kumpulkan diperoleh dari beberapa jurnal dan sumber di internet yang relevan dengan perbankan syariah saat ini. Penelitian ini berupa observasi dan mengunjungi beberapa bank syariah di Makassar, yang ternyata cukup banyak, sehingga diperlukan pemahaman yang lebih mendalam mengenai bank syariah, di mana mereka menawarkan layanan produk yang beragam dan sangat bermanfaat bagi masyarakat. Di samping itu, strategi komunikasi tersebut juga perlu diterapkan, seperti edukasi langsung melalui layanan pelanggan, penggunaan media sosial untuk informasi produk dan layanan, serta peningkatan komunikasi dalam layanan BSI mobile. Namun, meski penerapan strategi komunikasi ini dilakukan, sering kali ada keterbatasan dalam komunikasi yang dipersonalisasi yang dihadapi oleh pegawai bank syariah, terutama oleh customer service. Misalnya, saat saya mengunjungi Bank Syariah di daerah saya, khususnya di Bulukumba, hanya terdapat satu pegawai customer service yang menghambat laju antrian nasabah. Dengan demikian, di antara semua strategi tersebut, yang memberikan tingkat kepuasan tertinggi adalah strategi melalui customer service dan pemberian reward melalui BSI mobile. Kesimpulannya, berbagai bentuk komunikasi yang dilakukan adalah dasar dan fondasi dalam strategi komunikasi. Strategi komunikasi memiliki pandangan yang sama terhadap bentuk strategi yang mendatangkan kepuasan, tetapi memberikan implementasi yang sangat berbeda
Implementation of Green Accounting and Sustainability Performance Critical Reflections, Challenges and Opportunities Haliding, Safri; Haerunnisa, Rosyada; Arsyad, Kamaruddin; Sakti, Muhammad Rizky Prima; Nanda, Sahabuddin
Jurnal Ilmiah Akuntansi Peradaban Vol 10 No 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/jiap.v10i2.51500

Abstract

The growing awareness of environmental issues and the pressing need for sustainable development have led to significant changes in the corporate world. Traditional accounting practices are increasingly seen as insufficient for addressing the broader impacts of business activities on the environment and society. This study analyses the implementation of green accounting and sustainability performance in the business and decision-making of corporate activities and promote sustainability. The study also highlights the critical reflections of green accounting. The study find that the development of green accounting reflects a growing recognition of the need to incorporate environmental considerations into business operations and decision-making that it will be crucial for organizations to adopt best practices and address the barriers to successful implementation and its impact on sustainability performance that the critical aspects of green accounting is its ability to improve a company's sustainability performance such as government policies and regulations, plays a crucial role in ensuring the successful implementation of green accounting and its impact on environmental preservation.
Faktor Yang Mempengaruhi Keputusan Generasi Z dalam Memilih Perbankan Syariah: Analisis Persepsi Mahasiswa di Kota Makassar dan Gowa Aulia, Rahma; Silfia, Ayu; , Mira; Arsyad, Kamaruddin
Bertuah Jurnal Syariah dan Ekonomi Islam Vol. 5 No. 2 (2024): Bertuah: Jurnal Syariah dan Ekonomi Islam
Publisher : STAIN Bengkalis

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

Abstract

Penelitian ini bertujuan untuk Mengetahui Apakah Faktor Pengetahuan dan Faktor aksesibilitas berpengaruh terhadap keputusan mahasiswa Generasi Z di Kota Makassar dan Gowa dalam pengguanaan perbankan syariah untuk mendukung Pengololaan Keuangan Mereka. Dalam Penelitian menggunakan metode kuantitatif dengan pendekatan survei yakni Pengisian Kuisioner, yang melibatkan 40 responden yang melibatkan mahasiswa yang berasal dari beberapa perguruan tinggi di Kota Makassar dan Gowa. Berdasarkan hasil analisis uji regresi linear berganda, dimana hasil penelitian menunjukkan bahwa faktor pengetahuan dan faktor aksesibilitas secara bersama-sama mempengaruhi keputusan mahasiswa dalam memilih perbankan syariah. Hasil hipotesis (Uji t) menunjukkan bahwa pengetahuan (X1) berpengaruh positif secara signifikan dengan nilai signifikansi 0,001, sementara aksesibilitas (X2) juga berpengaruh signifikan dengan nilai signifikansi 0,003. Secara simultan, kedua variabel ini berpengaruh terhadap keputusan mahasiswa dengan nilai R² sebesar 0,747, yang berarti 74,7% keputusan mahasiswa dalam memilih perbankan syariah dapat dijelaskan oleh variasi pengetahuan dan aksesibilitas. Penelitian ini memberikan implikasi penting untuk pengembangan literasi keuangan syariah di kalangan mahasiswa generasi Z di Kota Makassar dan Gowa, serta mengidentifikasi pentingnya peningkatan pengetahuan dan aksesibilitas bank syariah dalam menarik minat generasi muda untuk bertransaksi menggunakan produk-produk perbankan syariah.
PAYLATER AND FLASHSALE ON CONSUMPTIVE BEHAVIOR OF SHOPEE FROM ISLAMIC ECONOMICS PERSPECTIVE Rismawati, Rismawati; Syaharuddin, Syaharuddin; Supriadi, Supriadi; Sudirman, Sudirman; Arsyad, Kamaruddin
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 01 (2025): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v9i01.8218

Abstract

The purpose of writing this article is to determine the effect of the paylater system and flashsale promo on the consumer behavior of Shopee marketplace users from an Islamic Economics perspective on students of the Faculty of Da'wah and Communication. Seeing the phenomenon of the use of paylater and flashsale promos that are increasingly used, it raises curiosity whether these two features are in accordance with Islamic economic principles. This article uses a descriptive analysis research method, namely describing the understanding of the paylater system and flashsale promos, on consumer behavior in the Islamic economic perspective. While the type of research in this article is research with an associative approach that aims to ask about the relationship between two or more variables. The results of this study suggest that from an Islamic economic perspective, consumer behavior caused by the paylater system and flashsale promos by buying products excessively is not in line with the principles of Islamic economics which prioritize maslahah or usefulness compared to (utility) material satisfaction alone. Moreover, the element of additional costs due to late payments from paylater is prohibited because it is usury. The author's suggestion is that further studies can explore how consumer behavior due to paylater and flash sales impacts economic, social, and environmental sustainability, as well as how Islamic economics can provide sustainability-oriented solutions.
Implementation of Mortgage Guarantee in Housing Financing through Musyārakah Mutanāqiṣah Contract Amir, A. M. Nur Atma; Parmitasari, Rika Dwi Ayu; Muin, Rahmawati; Awaluddin, Murtiadi; Arsyad, Kamaruddin; Wahyudi, Iqmal
Al-Jadwa: Jurnal Studi Islam Vol. 4 No. 2 (2025): March
Publisher : Universitas Islam Internasional Darullughah Wadda'wah Bangil Pasuruan Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/aljadwa.v4i2.1957

Abstract

In the banking system, collateral serves as a crucial tool for protecting creditors and ensuring debtors fulfill their obligations, particularly in transactions involving valuable assets like property. This study aims to analyze the implementation of collateral in the Musyārakah Mutanāqiṣah Contract on the Hijrah Home Ownership product at Bank Muamalat Indonesia (BMI) Makassar Branch and to evaluate the suitability of the application of collateral in housing financing through the Musyārakah Mutanāqiṣah Contract with Islamic economic principles. This study is included in the category of field research by implementing descriptive qualitative research procedures and using phenomenological and juridical-normative approaches. This study was conducted using four data collection techniques, namely participant observation, structured interviews, documentation, and literature review. This study’s data analysis involved the collection, reduction, presentation, and drawing of conclusions. Data validity testing was carried out by triangulating data sources and triangulating theories. The results of the study indicate that the implementation of collateral in the Musyārakah mutanāqiṣah contract at the Bank Muamalat Indonesia Makassar branch effectively provides legal protection for the bank against the risk of default while maintaining the balance of customer rights through a transparent and fair process. The use of collateral in the Musyārakah mutanāqiṣah (MMQ) contract at Bank Muamalat Makassar is also in line with Islamic economics’ five principles, which are fairness, trustworthiness, security, prosperity, and brotherhood. This study is expected to provide new contributions in the field of Islamic economics, especially in the context of the implementation of the MMQ contract in Islamic banking at the local and national levels.
Implementasi dan Tantangan Peran Teknologi pada Kontrak Hawalah dalam Sistem Perbankan Syariah Auliah, Alvia `; Ningsih, Anggun Setya; Nuraliza Asrah, St.; Almadani, Futri Nur; Arsyad, Kamaruddin
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 8 No. 1 (2025)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v8i1.14102

Abstract

This study examines the implementation of technology in hawalah contracts at Indonesian Islamic banking institutions. Although financial technology (fintech) has developed rapidly, the integration of technology in hawalah products remains limited. This research analyzes technology implementation, identifies challenges, and evaluates the impact of technology on Sharia compliance. This study employs a qualitative approach with literature review method, analyzing secondary data from OJK regulations, Bank Indonesia, DSN-MUI fatwas, and scientific journals through systematic literature search with directed content analysis technique. The research findings indicate that technology implementation is dominated by electronic document management systems and online platforms. Main challenges include system integration complexity, data security, and variations in fiqh interpretation.
Co-Authors , Mira Aas, Ummul Faida Abdul Wahab Adelia Sari Aditya Ahsan Kamil, Muh. Almadani, Futri Nur Ameliyani, Rizki Amir, A. M. Nur Atma Andi Wawo Ansari, Noval Ardin, Ardiani Aulia, Rahma Auliah, Alvia ` Ayu Saputri, Ayu Bayu Taufiq Possumah, Bayu Taufiq Bhayangkara G, Andi Nabila Citra Lestari, Bunga Erni Fitri Fitri Gani, Ilham Haerunnisa, Rosyada Hamid, Supriadi Ihsan, Muh Darul Jamaluddin Majid Kafabillah, Zidnyfahma KAMIL, MUH. AHSAN Mahdalena, Lailatul Maritza Tauhid, Datuh Marsyah, Marsyah Muh. Darwis Muhammad Rizky Prima Sakti, Muhammad Rizky Prima Muin, Rahmawati Murtiadi Awaluddin Najmih, Nur Nanda, Sahabuddin Nasuka, Moh. Ningsih, Anggun Setya Nuraliza Asrah, St. Nurfazilah, Nurfazilah Parmitasari, Rika Dwi Ayu Putri Paradibah, Amuria Rabiatul Adawiyah Raehani, Najmi Rahman Ambo Masse Rahman, Yulia Ramadani, Sindy Ramadhani, Siti Razak, Syaparuddin Rifqah, Zulfa Rismawati Rismawati Rismawati Rostiani, Helda Safri Haliding Saputra, Reza Eka Silfia, Ayu Solly Aryza Sri Nurul Nabila Sudirman Sudirman Sudirman, Anggreani Sumarlin Supriadi Supriadi Supriani, Nuraisyah Syafnur, St Rahmawati Syahabuddin, Syahabuddin Syahrini, Syahrini Tauhid, Datuh Maritza Ulfa Azizah, Ulfa Wahyudi, Iqmal Wahyudi, Nur Rifqi Wiwik Handayani Wulandari, Sinar