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All Journal Syi'ar Iqtishadi Economic Reviews Journal
Oktafiani, Nurlatifah Umi
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Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences Other

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Perbandingan Implementasi Sistem Bunga dan Sistem Bagi Hasil (Revenue Sharing) Oktafiani, Nurlatifah Umi; Itang; Dede Sudirja
Economic Reviews Journal Vol. 3 No. 1 (2024): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v3i1.190

Abstract

This research discusses the use of capital production factors in an Islamic economic perspective with a comparative focus between the profit sharing system and the interest system. In Islamic economics, production activities are based on the motive and spirit of benefit, justice and blessing accompanied by limitations on Islamic economic principles. This research uses a descriptive qualitative method with a literature approach to find and explain choices of capital sources that are effective, efficient, and in accordance with the Islamic economic perspective in managing production costs and producer behavior in the context of Islamic economics. The research results show that the use of a profit sharing system is more effective in reducing total production costs compared to the interest system. Interest expenses in the interest system tend to increase total production costs which have an impact on reducing profits. The profit sharing system allows for a fair distribution of profits and losses between capital owners and capital managers, reduces the burden of production costs, and brings blessings in wealth management. Therefore, producers who adhere to Islamic economic principles tend to choose a profit sharing system rather than an interest system. This is because the profit sharing system is fairer and more effective in reducing production costs and is in line with Islamic economic values.
Assessing The Role Of Islamic Financing And Regional Economic Growth In Reducing Income Inequality: Evidence From Indonesia Suhartini, Nani; Badina, Tenny; Fadhilah, Nurul; Saputri, Windiya; Oktafiani, Nurlatifah Umi
Syi`ar Iqtishadi : Journal of Islamic Economics, Finance and Banking Vol 9, No 2 (2025)
Publisher : FEB Universitas Sultan Ageng Tirtayasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35448/jiec.v9i2.36358

Abstract

This study aims to analyse the impact of Zakat, Infak, and Sadaqah (ZIS) distribution, Islamic financing, and Gross Regional Domestic Product (GRDP) on income inequality in Indonesia during the period 2019–2023. A quantitative approach was employed, utilising secondary data from the annual reports of BAZNAS, Islamic Banking Statistics published by the Financial Services Authority (OJK), as well as GRDP and Gini ratio data from The Global Economy. A panel data econometric model with the Fixed Effect Model (FEM) was applied to estimate the effects of the variables. The analysis included classical assumption tests to ensure model validity and coefficient estimation to capture the impact of each variable on the primary outcome. The distribution of ZIS funds had no significant effect on the Gini ratio (p-value: 0.8848), whereas Islamic financing (p-value: 0.0128) and GRDP (p-value: 0.0083) had a significant negative effect, indicating their contribution to reducing inequality. The model explained 96.01% of the variation in income inequality. Islamic financing and inclusive economic growth play a significant role in reducing income inequality, while optimisation of zakat management remains necessary. Strengthening access to Islamic financing, ensuring transparency in ZIS management, and fostering inclusive economic growth are essential to achieve sustainable social and economic justice.
Co-Authors Dede Sudirja Itang Nurul Fadhilah Saputri, Windiya Tenny Badina