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All Journal Jurnal Ekonomika dan Bisnis Islam El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Harnum, Mutiara Puspita
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Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Pengelolaan Keuangan Keluarga untuk Membangun Ketahanan Keluarga Muslim: Tinjauan dalam Perspektif Ekonomi Islam Isnani, Sofi Putri; Harnum, Mutiara Puspita; Efendi, Taufik Kukuh; Alfarisy, Fathor Rozy; Firmanda, Muhammad Esza Maulana; Munir, Maryam Bte Badrul
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i1.5683

Abstract

Poverty in Indonesia is a complex problem for the government which is caused by low income levels that lead to economic vulnerability for families. Many Indonesians, who are predominantly Muslim, tend to underestimate household financial management. This study aims to provide an understanding of financial literacy from an Islamic economic perspective, focusing on the financial management of Muslim families to build strong economic resilience and maintain family welfare. This research method is qualitative literature-based research. The study's results show that the financial management of Muslim families is based on the concept of maqashid sharia and avoid elements of usury, maysir, and gharar to achieve both worldly and spiritual well-being. Islamic principles such as mudharabah, musyarakah, ijarah, qardhul hasan, wakalah, and kafalah can be applied to achieve maqashid sharia. Additionally, the Sakinah Finance model can stabilize the finances of Muslim households. The main challenges in family financial management include a lack of transparency and poor communication between family members. Therefore, family asset management can be implemented by maintaining balanced budget allocations, such as for income, needs, desires, education, inheritance, grants, endowments, and emergency funds.
Pengaruh Pembiayaan Terhadap Profitabilitas Bank Umum Syariah Harnum, Mutiara Puspita; Maulidiyah, Musaidatul; Jayanti, Rista Dwi; Septiyanti, Tifanny Tassyah; Canggih, Clarashinta
Jurnal Ekonomika dan Bisnis Islam Vol 7 No 3 (2024): Desember
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v7n3.p175-188

Abstract

Islamic banking plays a crucial role in driving economic growth and stability in Indonesia. Islamic banking has shown positive growth, including in BUS, UUS, and BPRS. The market share of Islamic banking has also grown, reaching 6.74% of the national banking sector. However, there are challenges in ensuring that the financing products offered can enhance the bank's profitability while adhering to Islamic values. This study aims to determine the effect of profit sharing financing and non-profit sharing financing both partially and simultaneously on profitability (ROA) at Sharia Commercial Banks. The research method used in this study is quantitative research method with Multiple Linear Regression analysis model. The results showed that partial profit-sharing financing had a negative and significant effect on profitability (ROA), and partial non-profit-sharing financing had a positive and significant effect on profitability (ROA). while simultaneously profit-sharing financing and non-profit-sharing financing affect profitability (ROA). The implications of this study's results suggest that non-profit-sharing financing can be a more profitable alternative for banks in enhancing profitability, allowing them to focus more on developing non-profit-sharing financing products to achieve better economic stability.
Pengelolaan Keuangan Keluarga untuk Membangun Ketahanan Keluarga Muslim: Tinjauan dalam Perspektif Ekonomi Islam Isnani, Sofi Putri; Harnum, Mutiara Puspita; Efendi, Taufik Kukuh; Alfarisy, Fathor Rozy; Firmanda, Muhammad Esza Maulana; Munir, Maryam Bte Badrul
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i1.5683

Abstract

Poverty in Indonesia is a complex problem for the government which is caused by low income levels that lead to economic vulnerability for families. Many Indonesians, who are predominantly Muslim, tend to underestimate household financial management. This study aims to provide an understanding of financial literacy from an Islamic economic perspective, focusing on the financial management of Muslim families to build strong economic resilience and maintain family welfare. This research method is qualitative literature-based research. The study's results show that the financial management of Muslim families is based on the concept of maqashid sharia and avoid elements of usury, maysir, and gharar to achieve both worldly and spiritual well-being. Islamic principles such as mudharabah, musyarakah, ijarah, qardhul hasan, wakalah, and kafalah can be applied to achieve maqashid sharia. Additionally, the Sakinah Finance model can stabilize the finances of Muslim households. The main challenges in family financial management include a lack of transparency and poor communication between family members. Therefore, family asset management can be implemented by maintaining balanced budget allocations, such as for income, needs, desires, education, inheritance, grants, endowments, and emergency funds.
Co-Authors Alfarisy, Fathor Rozy Clarashinta Canggih Efendi, Taufik Kukuh Firmanda, Muhammad Esza Maulana Isnani, Sofi Putri Jayanti, Rista Dwi Maulidiyah, Musaidatul Munir, Maryam Bte Badrul Septiyanti, Tifanny Tassyah