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All Journal Signifikan : Jurnal Ilmu Ekonomi International Journal of Zakat (IJAZ)
Indo Yama
Universitas Islam Negeri Syarif Hidayatullah
Religion Economics, Econometrics & Finance

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Structural Drivers of Risk-Taking in Indonesia’s Islamic Banks Agus Suprapto; Mohammad Nur Rianto Al Arif; Indo Yama; Titi Dewi Warninda
Signifikan: Jurnal Ilmu Ekonomi Vol. 15 No. 1 (2026)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v15i1.50328

Abstract

Research Originality: This research is original in its focus on the long-run structural determinants of risk-taking in Indonesian Islamic banking. Research Objectives: The study aims to analyze how liquidity, profit-and-loss sharing (PLS), financing growth, financing-to-deposit ratio (FDR), economic growth, and inflation influence risk-taking behavior in Islamic banks. Research Methods: This study employs ARDL and Error Correction Model (ECM) techniques. The study investigates quarterly data from 2015 to 2024 to assess short-run and long-run relationships. The ECM framework provides insights into the adjustment mechanism toward equilibrium. Empirical Results: In the short run, liquidity, PLS, and financing growth significantly affect risk-taking. In the long run, liquidity has a significant negative effect, whereas PLS and Z-score exhibit a positive effect. Other variables are not statistically significant. The ECM confirms a strong adjustment mechanism, indicating that approximately 33.5% of short-run deviations are corrected toward long-run equilibrium each quarter. Implications: Policymakers and practitioners should design risk management strategies that differentiate between short-run operational adjustments and long-run macroeconomic anticipation. JEL Classification: C32, G21, G32, O16
Zakat for Digital Literacy: Closing the Orphaned-Urban Tech-Gap to Prevent Future Unemployment Crises Ickhsanto Wahyudi; Rahmawati Rahmawati; Erika Amelia; Indo Yama
International Journal of Zakat Vol. 11 No. 1 (2026): International Journal of Zakat
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37706/ijaz.v11i1.764

Abstract

Purpose This paper proposes a zakat-funded digital literacy voucher as a policy instrument to support Indonesia’s national digital talent and youth employment agenda by expanding access to market-relevant skills for unemployed and out-of-school urban youth. Design/Methodology/Approach The study adopts a policy-oriented conceptual approach that integrates labor market evidence, digital skills demand analysis, and zakat governance. It designs a Sharīʿah-compliant, restricted-purpose voucher mechanism administered by zakat institutions and redeemable at accredited digital training providers, aligned with outcome-based financing principles. Findings The proposed model demonstrates that zakat can be operationalized as an active labor market policy complementing existing government programs such as digital talent development initiatives. The voucher system improves targeting, transparency, and accountability by linking disbursement to training completion and certification outcomes. It also addresses affordability constraints that limit participation of vulnerable urban youth in private digital training programs. Research limitations/implicationsThis study is limited to policy design and does not assess implementation outcomes. Future research should evaluate pilot programs in selected urban areas to measure employment impacts, fiscal efficiency, and inter-institutional coordination. Practical implicationsThe model provides a framework for zakat institutions and policymakers to integrate Islamic social finance with national digital talent programs. Social implicationsThe program supports youth employment, reduces NEET risk, and strengthens economic inclusion in the digital economy. Originality/value The paper offers a practical policy framework for integrating zakat into Indonesia’s digital workforce ecosystem, positioning Islamic social finance as a complementary instrument to public employment and digital inclusion strategies.
Co-Authors Agus Suprapto Erika Amelia Mohammad Nur Rianto Al Arif Rahmawati Rahmawati Titi Dewi Warninda Wahyudi, Ickhsanto