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All Journal Tazkia Islamic Finance and Business Review BERNAS: Jurnal Pengabdian Kepada Masyarakat
Rina Nur Shabrina
Universitas Pembangunan Nasional Veteran jakarta
Religion Agriculture, Biological Sciences & Forestry Humanities Dentistry Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Mathematics Neuroscience Nursing Public Health Social Sciences Veterinary Other

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Waqf for Economic Empowerment in Indonesia: Assessing the Effect of Institutional Trust and Waqf Innovation Using SEM-PLS Rina Nur Shabrina; Aminah Nuriyah; Shofi Arofatul Marits
Tazkia Islamic Finance and Business Review Vol. 19 No. 2 (2025): TIFBR
Publisher : Faculty of Islamic Business and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v19i2.442

Abstract

Waqf is an Islamic philanthropic instrument with significant potential to support sustainable economic empowerment in society. In Indonesia, the realization of productive waqf remains suboptimal, despite the estimated potential of cash waqf exceeding IDR 180 trillion annually. Low public participation in productive waqf is partly due to a lack of trust in waqf management institutions (institutional trust) and limited innovation in waqf practices (waqf innovation). This study aims to examine the influence of institutional trust and waqf innovation on waqf participation intention, and its impact on economic empowerment, with waqf participation intention as a mediating variable. A quantitative approach was employed using the Structural Equation Modeling – Partial Least Squares (SEM-PLS) method. Data were collected through an online questionnaire involving 150 Muslim respondents in Indonesia who are familiar with waqf programs. The results reveal that both institutional trust and waqf innovation significantly affect waqf participation intention. Furthermore, waqf participation intention positively influences economic empowerment and mediates the relationship between institutional trust, waqf innovation, and economic empowerment. These findings highlight the crucial role of enhancing trust and innovation in optimizing waqf as a sustainable and inclusive tool for economic empowerment in Indonesia.
Penilaian kesehatan bank pada Bank Umum Syariah Indonesia menggunakan metode RGEC Ai Kokoy Koyyimah; Rina Nur Shabrina; Muhammad Farras Hanif; Najim Nur Fauziah
Tazkia Islamic Finance and Business Review Vol. 20 No. 1 (2026): TIFBR
Publisher : Faculty of Islamic Business and Management

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Abstract

This study analyzes the health level of Islamic Commercial Banks (BUS) in Indonesia in 2024 using the RGEC method, which consists of Risk Profile, Good Corporate Governance, Earnings, and Capital. A quantitative descriptive design is applied, using purposive sampling to select 13 BUS based on the availability of published annual financial reports. Secondary data were obtained through documentation and evaluated descriptively according to regulatory standards. The findings show that Islamic Commercial Banks are generally in a healthy condition. The average Non-Performing Financing (NPF) reached 1.1%, far below the 5% threshold, and most Financing to Deposit Ratios (FDR) were within the healthy range of 80–110%. In terms of governance, most banks received a “Good” rating for Good Corporate Governance (GCG). Profitability performance, measured by ROA and ROE, varied widely, with BTPN Syariah achieving the strongest results, while Bank Syariah Bukopin recorded the weakest performance due to negative ROA. All BUS displayed strong capital levels, indicated by Capital Adequacy Ratios (CAR) well above the 8% minimum. Overall, BUS health in 2024 is considered good, although several banks require improvement in profitability and intermediation. These results are useful for regulators, bank management, investors, and the public in making informed decisions.
Penguatan Nilai-Nilai Ekonomi dan Keuangan Islam di Kalangan Siswa SMK Bumi Sejahtera, Kabupaten Bogor, Jawa Barat Muhammad Faiz Andeaz Fawwaz; Muhammad Farras Hanif; Ai Kokoy Koyyimah; Rina Nur Shabrina
BERNAS: Jurnal Pengabdian Kepada Masyarakat Vol. 7 No. 3 (2026)
Publisher : Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/jb.v7i3.17860

Abstract

Rendahnya tingkat literasi keuangan di kalangan pelajar usia 15–17 tahun merupakan tantangan signifikan di tengah pesatnya perkembangan industri keuangan syariah dan meningkatnya praktik keuangan ilegal di Indonesia, seperti pinjaman daring dan pinjaman digital tanpa izin. Program pengabdian kepada masyarakat ini bertujuan untuk memperkuat literasi pelajar dalam bidang ekonomi dan keuangan Islam, mencakup aspek-aspek utama yang meliputi keuangan sosial Islam (wakaf), industri halal, serta etika dan pelaporan keuangan syariah. Kegiatan dilaksanakan di SMK Bumi Sejahtera, Kabupaten Bogor, dengan melibatkan 120 siswa dari jurusan Akuntansi. Pelaksanaan menggunakan pendekatan edukatif melalui sesi penyuluhan dan seminar, dengan instrumen evaluasi berupa pre-test dan post-test yang dianalisis menggunakan metode Normalized Gain (N-Gain). Hasil menunjukkan tingkat efektivitas yang tinggi, dengan skor N-Gain sebesar 0,78. Peningkatan signifikan dalam hasil belajar teramati, di mana proporsi siswa yang mencapai nilai sempurna meningkat dari 23% pada pre-test menjadi 77% pada post-test. Peningkatan ini menunjukkan bahwa intervensi literasi secara langsung efektif dalam membekali siswa dengan pengetahuan ekonomi Islam yang komprehensif sebagai persiapan memasuki dunia kerja.
Co-Authors Ai Kokoy Koyyimah Aminah Nuriyah Muhammad Faiz Andeaz Fawwaz Muhammad Farras Hanif Najim Nur Fauziah Shofi Arofatul Marits