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All Journal Al-Mustashfa Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah Journal of Economics and Business UBS AL-FALAH : Journal of Islamic Economics Jurnal Akuntansi dan Keuangan (JAK) Jeksyah Journal of Islamic Economics Lariba Journal of Sharia Accounting and Tax (JSAT Jurnal Kajian Ekonomi dan Perbankan Syariah Journal of Sharia Tourism and Hospitality Contemporary Islamic Economic and Business Review
Ridwan Widagdo
UIN Siber Syekh Nurjati Cirebon
Religion Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Zakat Sebagai Instrument Keuangan Syariah Inklusif dalam Mewujudkan Suistanable Development Goals Rokhlinasari, Sri; Widagdo, Ridwan
Journal of Economics and Business UBS Vol. 12 No. 6 (2023): Special Issue
Publisher : Cv. Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52644/joeb.v12i6.1523

Abstract

Penelitian ini bertujuan untuk mengetahui inovasi pendanaan yang tepat agar pelaksanaan SDGs lebih optimal dan bermanfaat bagi masyarakat kecil, kontribusi zakat sebagai instrumen keuangan syariah inklusif dalam mewujudkan SDGs dan relevansinya dalam mewujudkan SDGs dari perspektif maqashid syariah. Penelitian ini menggunakan pendekatan kualitatif. Pengumpulan data dilakukan dengan cara wawancara dan melakukan focus group Discussion (FGD) dengan pengelola BAZNAS Wilayah III Cirebon. Analisis data kualitatif meliputi tahapan reduksi data, penyajian dan penarikan kesimpulan. Hasil penelitian ini menunjukkan bahwa implementasi SDGs dilakukan dengan inovasi pembiayaan bersama melalui anggaran pemerintah dan non-pemerintah, salah satunya melalui penyaluran dari lembaga zakat. Kontribusi zakat terhadap implementasi SDGs telah dilakukan oleh Badan Amil Zakat Nasional (Baznas) dalam bentuk program kemandirian, pendidikan, keagamaan, kesehatan, dan kepedulian sosial. Zakat dalam mewujudkan SDGs dengan Maqashid Syariah ditunjukkan pada program bantuan yang diselenggarakan Baznas seperti Program (1) pengentasan kemiskinan, (2) pengentasan kelaparan, (3) kesehatan dan kesejahteraan yang baik, (4) pendidikan yang berkualitas, dan (5) air bersih dan sanitasi yang relevan dengan Program SDGs.
Perbandingan Altman (Z-Score) dan Zmijewski (X-Score) dalam Analisis Tingkat Kebangkrutan Sulistianti, Putri; Widagdo, Ridwan; Wahyuningsih, Nining; Iqbal, Mohammad
Journal of Sharia Accounting and Tax Vol. 3 No. 2 (2025): Journal of Sharia Accounting and Tax
Publisher : UIN Siber Syekh Nurjati Cirebon

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Abstract

Penelitian ini bertujuan untuk mengetahui perbedaan hasil analisis pengaruh rasio keuangan terhadap tingkat kebangkrutan perusahaan dengan menggunakan model Altman Z-Score dan model Zmijewski. Penelitian ini menggunakan metode kuantitatif dengan data sekunder berupa laporan keuangan perusahaan sektor kesehatan yang terdaftar di BEI periode 2023, dengan teknik purposive sampling sebanyak 29 perusahaan. Analisis data dilakukan melalui uji asumsi klasik, uji F, uji t, dan uji R². Hasil penelitian menunjukkan bahwa rasio profitabilitas dan rasio likuiditas berpengaruh signifikan secara parsial terhadap tingkat kebangkrutan perusahaan menggunakan model Altman Z-Score, sedangkan rasio leverage tidak berpengaruh signifikan, dan rasio pertumbuhan penjualan berpengaruh negatif signifikan. Pada model Zmijewski, rasio profitabilitas dan rasio likuiditas berpengaruh negatif signifikan terhadap tingkat kebangkrutan, sedangkan rasio leverage dan rasio pertumbuhan penjualan tidak berpengaruh pada perusahaan sektor kesehatan periode 2023.
Pengaruh Budaya Organisasi dan Disiplin Kerja Terhadap Kinerja Karyawan pada Bank Umum Syariah dengan Lingkungan Kerja sebagai Variabel Moderasi Armilda Sandraningtyas; Toto Suharto; Ridwan Widagdo
CIEBER: Contemporary Islamic Economic and Business Review Vol. 1 No. 1 (2025): CIEBER: Contemporary Islamic Economic and Business Review
Publisher : Fakultas Ekonomi dan Bisni Islam UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cieber.v1i1.3

Abstract

This research aims to measure and analyze the influence of organizational culture and work discipline on employee performance at Sharia Commercial Banks in Kuningan Regency, with the work environment as a moderating variable. The method used in this research is hypothesis testing with a quantitative approach. The population in this study were all employees of Sharia Commercial Banks in Kuningan Regency. Samples were taken using the total sample technique. The number of samples taken and used in this research was 35 employees. Data collection techniques use questionnaires distributed directly. The data analysis method used is Moderated Regression Analysis with the help of SPSS software version 22. The research results show that organizational culture has a positive and significant effect on employee performance, with a calculated t value = 3.420 > t table and a significance level = 0.002 < 0.05. Work discipline has a positive and significant effect on employee performance, with a calculated t value = 4.809 > t table and a significance level of 0.000 < 0.05. The work environment is unable to moderate the influence of organizational culture on employee performance, with a parameter coefficient value (β) of 0.007 and a significance level = 0.307 > 0.05. The work environment negatively moderates (weakens) the influence of organizational culture on employee performance, with a parameter coefficient value (β) of -0.016 and a significance level = 0.048 <0.05.
Islamic fintech, financial inclusion, and MSME sustainability: Evidence from a mixed-method study in Indonesia’s digital economy Widagdo, Ridwan; Rokhlinasari, Sri; Wartoyo, Wartoyo
Journal of Islamic Economics Lariba Vol. 12 No. 1 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss1.art11

Abstract

IntroductionMicro, Small, and Medium Enterprises play a critical role in economic development, employment generation, and inclusive growth, particularly in developing countries. Despite their importance, many MSMEs face persistent barriers in accessing formal financial services, which limits their ability to sustain and scale their businesses. The emergence of Islamic financial technology offers an alternative pathway by providing digital, sharia-compliant financial services that can enhance financial inclusion and support sustainable business practices.ObjectivesThis study aims to analyze the role of Islamic fintech in improving financial inclusion and its impact on MSME sustainability. It also examines the mediating role of financial inclusion in the relationship between Islamic fintech and sustainable MSME performance within a digital business environment.MethodThe study employs a mixed-method approach using a sequential exploratory design. Qualitative data were collected through in-depth interviews with MSME stakeholders in Region III Cirebon, Indonesia, while quantitative data were obtained from 96 MSMEs using structured questionnaires. The analysis combines qualitative thematic interpretation with quantitative modeling using Structural Equation Modeling with Partial Least Squares to test the proposed relationships among variables.ResultsThe findings indicate that Islamic fintech has a positive and significant effect on financial inclusion, while financial inclusion significantly enhances MSME sustainability. The results also confirm that financial inclusion mediates the relationship between Islamic fintech and MSME sustainability, suggesting that the impact of Islamic fintech operates indirectly through improved access to financial services. Qualitative findings further reveal that sustainable MSME models emphasize digital transformation, institutional support, and integration of economic and social practices.ImplicationsThe study highlights the importance of strengthening Islamic fintech ecosystems to improve financial access and support MSME sustainability. It also underscores the need for policies that promote financial literacy, digital readiness, and regulatory support to maximize the benefits of fintech adoption.Originality/NoveltyThis research contributes to the literature by providing empirical evidence on the mediating role of financial inclusion in the relationship between Islamic fintech and MSME sustainability. It offers a comprehensive perspective by integrating qualitative and quantitative approaches within the context of a developing economy.
Co-Authors Abdul Ghoni Alvien Septian Haerisma Anggraeni, Dea Anwar, Abdul Muizz Abdul Wadud Kasyful Armilda Sandraningtyas Daniel Happy Putra Destiani, Fitria Dwi Dewi, Komala Diana Djuwita, Diana Efriyani, Merry Hafif, Alimul Kopipah, Kopipah Mohammad Iqbal N. Nurjanah Nakhwatunnisa, Haulah NINING WAHYUNINGSIH Nugraha, Muhammad Robi Nur Eka Setiowati, Nur Eka Nursyamsi, Ruqoyyah Robiatul Hikmah Sri Rokhlinasari Sulistianti, Putri Syah, Imam Syarifudin Toto Suharto U. Syafrudin Ulfah, Mariyah Wartoyo Wartoyo Yokawati, Sinta