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All Journal Tazkia Islamic Finance and Business Review Jurnal Indonesia Sosial Sains
Zulkarnain Muhammad Ali
Institut Agama Islam Tazkia, Indonesia
Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Energy Environmental Science Immunology & microbiology Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Neuroscience Physics Social Sciences

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The Influence of Macroeconomic Indicators on Non-Performing Financing in Islamic Banking Using Mudharabah, Musharakah, and Murabahah Contracts Fandi Achmad Syarif; Rifki Ismail; Zulkarnain Muhammad Ali
Jurnal Indonesia Sosial Sains Vol. 6 No. 1 (2025): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jiss.v6i1.1590

Abstract

This research aims to analyze the influence of macroeconomic indicators on non-performing financing in Islamic banking with Mudharabah, Musyarakah, and Murabahah contracts. This research uses a quantitative approach with the VAR/VECM method. The research data covers the years 2015 - 2018 and includes all Islamic banks in Indonesia. The research results indicate that the macroeconomic indicators that influence and determine non-performing financing, based on Impulse Response Function (IRF) and Forecast Error Variance Decomposition (FEVD) tests, are as follows: for Mudharabah financing, Inflation, Industrial Production Index, and Exchange Rate according to IRF, and Inflation and Exchange Rate according to FEVD; for Musyarakah financing, Money Supply according to IRF, and Inflation according to FEVD; and for Murabahah financing, Inflation and Money Supply according to IRF, and Industrial Production Index, Exchange Rate, and Money Supply according to FEVD.
An Analysis of Problems and Solutions in the Low Level of Cash Waqf in Indonesia Using Analytic Network Process (ANP) Aprida Susanti; Dede Fatah; Zulkarnain Muhammad Ali
Tazkia Islamic Finance and Business Review Vol. 19 No. 1 (2025): TIFBR
Publisher : Faculty of Islamic Business and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v19i1.392

Abstract

The low level of cash waqf mobilization in Indonesia presents a significant challenge for Islamic philanthropy, attributed to various internal and external factors. This study addresses the gap in existing literature concerning the comprehensive analysis of factors that impact the low uptake of cash waqf and the strategic management approaches necessary to address these challenges. While previous research has examined aspects of cash waqf, there remains a need for a systematic approach that integrates problem, solution, and strategy analysis through the Analytic Network Process (ANP) method. The objectives of this study are to identify the key factors affecting cash waqf mobilization and to propose detailed solutions and strategies for effective management. Utilizing the ANP framework and the Problem-Solution Model, the study collects data from a sample of 7 experts and 7 practitioners. The analysis considers four dimensions—human resources, institutional frameworks, government, and society—and is organized into three clusters: problems, solutions, and strategies, with a focus on both internal and external factors. Key findings indicate that the low mobilization of cash waqf is primarily due to weak management systems within institutions. The study proposes that enhancing the Indonesian Waqf Board (BWI) through governmental support is a critical solution, while the application of information technology is identified as the main strategic priority. The study underscores the need for the government (particularly BWI) and waqf institutions (nazhir) to prioritize a robust cash waqf ecosystem through improved management, professionalization, literacy, and resource allocation. This research contributes to the limited body of literature on cash waqf mobilization by providing a comprehensive model for addressing both internal and external challenges, thereby offering valuable insights for Islamic finance policymakers and practitioners.
Co-Authors Aprida Susanti Dede Fatah Fandi Achmad Syarif Rifki Ismail