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All Journal Jurnal Ekonomi Al Muhafidz Neraca Manajemen, Akuntansi, dan Ekonomi
Zulfikar , Zulfikar
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Religion Humanities Economics, Econometrics & Finance Environmental Science

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PENGEMBANGAN PERBANKAN SYARIAH DAN DAMPAKNYA TERHADAP PEMBANGUNAN EKONOMI Nur Umida; Reni Ayu Anggriani; Zulfikar , Zulfikar
Musytari : Neraca Manajemen, Akuntansi, dan Ekonomi Vol. 4 No. 7 (2024): Musytari : Neraca Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v4i7.2597

Abstract

Penelitian ini bertujuan untuk mengisi kesenjangan pengetahuan dalam literatur dengan menganalisis dampak pengembangan perbankan syariah terhadap pembangunan ekonomi, khususnya di konteks Indonesia. Melalui pendekatan kualitatif dengan menggunakan analisis literatur, penelitian ini menjelaskan bahwa pertumbuhan perbankan syariah tidak hanya mencerminkan respons terhadap permintaan pasar yang berkembang, tetapi juga aspirasi masyarakat akan sistem keuangan yang lebih etis dan inklusif. Perbankan syariah di Indonesia, sebagaimana di negara-negara lain, tumbuh pesat dan menjadi bagian integral dari sistem keuangan global. Namun, tantangan seperti literasi keuangan syariah yang rendah dan regulasi yang belum matang juga dihadapi. Dalam menghadapi tantangan tersebut, penelitian ini menyoroti peluang besar yang dimiliki perbankan syariah dalam mendukung inklusi keuangan, pembiayaan produktif, dan stabilitas ekonomi. Dengan pemahaman yang mendalam tentang dinamika perbankan syariah dan dampaknya terhadap pembangunan ekonomi, diharapkan dapat merumuskan kebijakan yang tepat untuk mendukung pertumbuhan ekonomi yang inklusif, berkelanjutan, dan sesuai dengan nilai-nilai syariah.
Effect Of Financial Leverage, Profitability And Income Smoothing On Sustainability Reporting Disclosure Dyah Ayu Tri Ratnasari; Zulfikar , Zulfikar
Jurnal Ekonomi Vol. 13 No. 03 (2024): Jurnal Ekonomi, Edition July -September 2024
Publisher : SEAN Institute

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Abstract

Sustainability reporting is a report carried out by the company to meet, fulfill, and fulfill the company's efforts to become a responsible company for all internal and external stakeholders for the company's performance goals towards sustainable development. The purpose of this study was to determine the effect of changes in financial leverage, profitability and revenue smoothing on the disclosure of sustainability reporting. The type of research used in this study is quantitative research by measuring the hypothesis. The population in this study was obtained from data from manufacturing companies that publish financial statements and annual reports on the Indonesia Stock Exchange (IDX) and the company's official website for the period 2020-2022. Sampling method using purposive sampling, and the data used in this study are separate data. The final sample results in this study were 48 companies. The results showed that financial leverage has no effect on the implementation of sustainability reporting, while profitability and income smoothing affect the sustainability reporting disclosure.
Tawakkal and Ikhtiar in Addressing Quarter-Life Crisis among Generation Z: A Thematic Interpretation of Q.S. Ar-Ra’d [13]:11 and At-Talaq [65]:3 Dzahaby, Kaafy Al; Rhain, Ainur; Zulfikar , Zulfikar; Salim, Muhammad Fathi
Al Muhafidz: Jurnal Ilmu Al-Qur'an dan Tafsir Vol. 6 No. 2 (2026): Available online since 25 August 2026
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat (LP2M) Sekolah Tinggi Ilmu Al-Qur'an Al Multazam Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57163/4ffkxw51

Abstract

The quarter-life crisis has emerged as a prevalent psychological phenomenon among Generation Z, characterized by anxiety, career uncertainty, identity confusion, and concerns about the future. Existing studies predominantly explain this phenomenon through psychological or general religious coping perspectives, while the integrative Qur'anic relationship between ikhtiar (diligent effort) and tawakkal (reliance on Allah) remains insufficiently explored. This study aims to reconstruct the Qur'anic paradigm of ikhtiar and tawakkal through a thematic interpretation of Q.S. Ar-Ra'd [13]:11 and Q.S. At-Talaq [65]:3, and to examine its relevance as a spiritual coping framework for addressing the quarter-life crisis among Generation Z. This qualitative library research employs the tafsir maudhū’i (thematic interpretation) approach by analyzing the selected Qur'anic verses alongside classical and contemporary tafsir literature and relevant studies on quarter-life crisis, Islamic psychology, and religious coping. The findings demonstrate that ikhtiar functions as an active mechanism encouraging self-development, responsible action, and adaptive responses to uncertainty, whereas tawakkal serves as a spiritual mechanism that alleviates anxiety through trust in Allah after optimal effort has been exerted. Their integration establishes a balanced Qur'anic framework that strengthens psychological resilience, emotional stability, and meaningful engagement with life's uncertainties. The reconstructed paradigm offers a relevant conceptual foundation for helping Generation Z cope with the psychological challenges of the quarter-life crisis. Unlike previous studies that primarily emphasize psychological or general religious coping, this research proposes an integrative Qur'anic spiritual coping model by synthesizing ikhtiar and tawakkal through thematic interpretation, thereby contributing to the development of contemporary Qur'anic exegesis and Islamic psychology.
Co-Authors Ainur Rhain Dyah Ayu Tri Ratnasari Dzahaby, Kaafy Al Nur Umida Reni Ayu Anggriani Salim, Muhammad Fathi