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All Journal Al-Muzara'ah FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Jurnal Magister Ekonomi Syariah Teumulong: Journal of Community Service
Rosman, Romzie
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Religion Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Nursing Social Sciences Other

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Women in Strengthening the Economy and Welfare of the Ummah in Maccini Sombala District, Makassar Ismawati; Rosman, Romzie; Sulistyowati; Oktaviana, Ulfi Kartika; Hanifah, Nani; Sanurdi; Muhajir
Teumulong: Journal of Community Service Vol. 2 No. 5 (2024): December
Publisher : Institute of Education and Social Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62568/jocs.v2i5.22

Abstract

This research aims to educate women in Maccini Sombala Village about the role of women who are able to play a role in strengthening the economy and welfare of the community, as well as how to improve the economy according to sharia. This research is a type of qualitative and quantitative research (mix-methods). This research is a form of grounded research using the Participation Action Research (PAR) technique. Meanwhile, the quantitative method used in this research is the experimental method and data processing using the paired sample t test. The results of the research show that it plays a role in changing the views of women in Maccini Sombala District to take a broader view of the role of women, removing the limitations created by society regarding women's freedom of rights, as well as providing education regarding Islamic views and sharia financial management. There was also an increase in women's understanding in Maccini Sombala Village after the socialization activities were held.
LIQUIDITY AND CREDIT RISK: A COMPARATIVE STUDY OF ISLAMIC AND CONVENTIONAL BANKS IN INDONESIA Firdaus, Firdaus; Azlina, Nur; Fakhruddin, Imam; Riyaldi, Rino; Rosman, Romzie
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 7 No 1 (2024): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v7i1.8918

Abstract

Islamic banking is only a small choice for the majority of Indonesian Muslims numbering 229.62 million people or 87.2%. In contrast, the market share of Islamic banks is only 7.07%. Global banking conditions are rocked by the case of Silicon Valley Bank, which is one of the largest banks in the world, experiencing liquidity problems. This is inseparable from the fragility of the conventional banking system based on usury as an inherent obligation. This study analyzes the liquidity and credit risk comparison of Islamic and conventional banks in Indonesia. The sample in this study is 10 Islamic banks and the 10 largest conventional banks in terms of assets in the 2018-2022 period. Independent t-test is used to answer the problems in this study. Based on the results of independent t test show that there is no difference between the liquidity of Islamic and conventional banks. Likewise, NPF / NPL shows no difference between Islamic and conventional banks.
Waqf-Based Forests: A Sustainable Solution for Agromaritime Development through Islamic Social Finance Ali, Khalifah Muhamad; Jannah, Miftahul; Mustaqimah, Mu'minah; Rosman, Romzie
AL-MUZARA'AH Vol. 14 No. 1 (2026): AL-MUZARA'AH (January 2026)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.14.1.161-175

Abstract

Deforestation remains a critical issue globally, significantly impacting Indonesia's agromaritime regions. This study explores the innovative concept of waqf-based forests as a sustainable solution for forest conservation and agromaritime development through Islamic social finance. Despite increasing research, a comprehensive analysis of their potential remains limited. This research addresses this gap by drawing on Islamic literature, Indonesian regulations, in-depth interviews, and observing several waqf-based forest practices in Indonesia. Using a descriptive analysis approach, the study finds that waqf-based forests, established on waqf land, serve as a unique form of land waqf for forest preservation and sustainable land use in agromaritime areas. This concept, with historical roots in the Utsmaniyyah Caliphate, aligns with Islamic principles and Indonesian laws that protect waqf assets. Currently, waqf-based forests are expanding across Indonesian provinces, presenting a model for sustainable forest and agromaritime development. This practice integrates religious, social, and financial instruments, positioning Waqf as a vital contributor to forest preservation and agromaritime sustainability. The study advocates for promoting waqf-based forests as a comprehensive solution to deforestation and a catalyst for agromaritime development, urging active engagement from government bodies, companies, and communities to support this sustainable conservation effort through Islamic social finance.
Transparency, Accountability, and Customer Trust in Islamic Banking: A Panel Data Analysis from Selected OIC Countries Hasan, Zulfikar; Abduh, Muhamad; Rosman, Romzie
Jurnal Magister Ekonomi Syariah Vol. 4 No. 2 Desember (2025): J-MES: Jurnal Magister Ekonomi Syariah
Publisher : Program Studi Magister Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jmes.2025.042-04

Abstract

This study examines how transparency and accountability shape customer trust in Islamic banking across selected OIC countries. Using panel data from 2010–2023, the analysis captures cross-country and time variations to reflect differences in institutional settings and developments over time. Governance and performance metrics are employed to represent transparency and accountability, while customer trust is proxied by deposit-related indicators. Applying fixed effects and system GMM estimations, the findings reveal a coherent pattern: transparency plays a dominant role in strengthening customer trust, as clear disclosure and accessible information directly reduce information asymmetry and enhance perceived Shariah credibility. Accountability also contributes positively, but its impact is comparatively weaker, reflecting the more indirect and internally oriented nature of accountability mechanisms. Importantly, transparency and accountability reinforce each other, indicating that trust is most effectively built when open communication is supported by robust governance structures. These results extend the Islamic finance literature by highlighting governance as a key driver of non-financial outcomes. Policy implications suggest the need for harmonized governance frameworks across OIC countries, with particular emphasis on strengthening transparency as a foundation for sustainable trust in Islamic banking.
Co-Authors Firdaus Firdaus Imam Fakhruddin Ismawati Khalifah Muhamad Ali Miftahul Jannah MUHAJIR Muhamad Abduh, Muhamad Mustaqimah, Mu'minah NANI HANIFAH Nur Azlina Rino Riyaldi Sanurdi Sulistyowati Ulfi Kartika Oktaviana Zulfikar Hasan