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INDONESIA
Tazkia Islamic Finance and Business Review
Published by Institute for Research and Community Empowerment
ISSN : 24600717     EISSN : 24600717     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Tazkia Islamic Finance and Business Review (TIFBR) is a peer-reviewed journal published by the Institute for Research and Community Empowerment (IRCE), Tazkia University College of Islamic Economics in collaboration with Association of Islamic Economics Lecturers (ADESY). The Journal is semi-annual journal issued in July and December. The aim of the journal is to disseminate Islamic Economics, finance and business researches done by researchers both from Indonesia and overseas.
Arjuna Subject : -
Articles 198 Documents
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Financing Models based on Waqf Money through Investment Syofi Aruni Mafaza; Khoirul Umam; Suyoto Arief; Setiawan bin Lahuri
Tazkia Islamic Finance and Business Review Vol. 14 No. 2 (2020)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v14i2.242

Abstract

Islamic microfinance institutions can apply the potential of cash waqf optimally and effectively for a better economic impact on the targeted levels of society. This study explores the opinions and recommendations of various researchers on the model of integration of cash waqf as financing in Islamic microfinance institutions. This study uses qualitative methods by reviewing previous kinds of literature. This research uses qualitative methods that only discuss the cash waqf model as financing through investment. The result of this study is that cash waqf can be used as financing in Islamic microfinance institutions, provided that the assets of the property should not be reduced in the slightest. Therefore, in anticipation of the reduced waqf of money used as a source of financing funds, Islamic financial institutions must guarantee the funds through various means such as takaful, Islamic investment, Islamic bank deposits, and other institutions in accordance with Islamic principles. Using cash waqf as a source of financing funds in Islamic microfinance institutions will reduce the level of difficulty of micro-entrepreneurs in obtaining business financing. Also, the benefits of cash waqf investment itself will be distributed to the people in needs of goods, services, health facilities, education, mosques, etc.
THE EFFECT OF GOVERNANCE AND SHARIA COMPLIANCE IMPLEMENTATION TOWARDS THE LEVEL OF CUSTOMER TRUST IN ISLAMIC BANK Muhamad Dede Sulaeman; Sigid Eko Pramono; Saiful Anwar
Tazkia Islamic Finance and Business Review Vol. 14 No. 1 (2020)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v14i1.235

Abstract

This research aims to find out how much the effect of the governance and shariacompliance implementation towards the level of customer trust in Islamic bank in Bogor. There were 159 customers of Islamic banks selected as sample. The analytical method used in this research is Structural Equation Modeling (SEM). The results presented that governance does not significantly affect the level of Islamic bank’s customer trust, while conversely sharia compliance has a significant positive effect on the level of Islamic bank’s customer trust. Thus, to increase customer trust in Islamic banks, it is necessary to improve sharia compliance.
Funeral Poverty: An Exploratory Study for Micro-Takaful Azrul Azlan Iskandar Mirza; Khairil Faizal Khairi; Syadiyah Abdul Shukor; Nurul Aini Muhamed; Ahmad Fadly Nurullah Rasedee; Muhammad Suhaimi; Nuur Halimatus Saadiah Masrukhin; Aimi Fadzirul Kamarubahrin
Tazkia Islamic Finance and Business Review Vol. 14 No. 2 (2020)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v14i2.222

Abstract

The funeral expense is becoming expensive. It will lead into funeral poverty whereby the next of kin of the deceased face a difficulty to pay funeral expenses. The funeral poverty already affected developed countries such as Indonesia and African countries. For Malaysia, few schemes have been established by society to cover the poor from having difficulties for funeral expenses. The underlying reason behind the practice is a strong culture and belief. Nevertheless, these organizations have a different approach in managing this scheme but create chaos in the society from the perspective of payment and coverage. This paper will review literature, segmenting the practices and suggest the probable solution for funeral expenses scheme with the kind of exploring a segment in Takaful and micro-Takaful.
EFFICIENCY AND STABILITY OF ISLAMIC BANKING IN ASEAN: DEA WINDOW ANALYSIS Nailah Nailah; Aam Slamet Rusydiana
Tazkia Islamic Finance and Business Review Vol. 14 No. 1 (2020)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v14i1.211

Abstract

The study aims to analyze stability and efficiency of the Islamic banking industry in the Association of Southeast Asian Nations (ASEAN) region. Islamic banks are currently in the spotlight for their role in Islamic financial growth across South East Asia, especially in Indonesia. The efficiency and stability of Islamic banking is one factor in measuring the readiness of Islamic banks within the ASEAN Economic Community (AEC) framework. This research examines 12 Islamic banks in Indonesia, Malaysia, Brunei Darussalam and Thailand during the 2013-2018 period. The analysis was conducted with a non-parametric approach, namely DEA Window Analysis (DEWA). The results show that Malaysia has the highest average efficiency in four different periods with 96% and Indonesia has an average efficiency of 67%. Thailand with an average efficiency that is relatively stable at 100% and Brunei Darussalam's average efficiency is 55%, lower compared to other countries. For Islamic banks with good stability conditions are Bank Islam Malaysia Berhad and Islamic Bank of Thailand. Meanwhile, Islamic banks with unstable condition are Bank Mega Syariah and Bank Islam Brunei Darussalam. Overall, Islamic banks in ASEAN have achieved stable performance, even though most of them are still inefficient.
Performance Analysis of Islamic Rural Banks (BPRS) with The Maqasid Sharia Approach as An Investment Decision-making Tool Wildan Mashfufah; Mukhamad Yasid
Tazkia Islamic Finance and Business Review Vol. 14 No. 2 (2020)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v14i2.194

Abstract

This study aims to measure the performance of BPRS and their ranking using Maqasid-based Performance Evaluation Model (MPEM). This paper is also intended to understand whether the results of BPRS performance measurement based on maqasid will be used as an investment decision-making tool by investors. The data used in this study are questionnaire interviews with BPRS investors, and quarterly BPRS financial statements for the period 2017-2018 with a sample of 48 out of 168 BPRS in Indonesia. The methods used are Sekaran, The Simple Additive Weighting (SAW), and the questionnaire. The results show some findings. First, MPEM can be implemented in measuring the performance of BPRS, notwithstanding some ratios that are used in MPEM are not disclosed in the BPRS financial statements and not all ratios that are needed to measure the performance of BPRS exist in MPEM. Second, BPRS Berkah Ramadhan is excellent in the dimensions of religious preservation, Harta Insan Karimah Kota Tegal is in safeguarding life, and Way Kanan is in stakeholder protection. Third, investors make Islamic conformity as the main reason when investing in BPRS, accordingly performance measurement using the maqasid sharia approach is a must and the result will be used as a tool in investment decision-making. 
PROBLEMS OF ISLAMIC HOME FINANCING IN INDONESIA: A TAHWIDI STRING RELATION (TSR) EXPOSITION Bambang Wijananto; Yuswar Zainul Basri; Akhmad Affandi Mahfudz; Akhmad Suraji
Tazkia Islamic Finance and Business Review Vol. 14 No. 1 (2020)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v14i1.213

Abstract

This study intends to explore and analyze Home Islamic financing problems in Indonesia by using the Tawhidi String Relations (TSR) approach, a methodology that uses the Quran and Sunnah as ontology in each solution to variables in achieving wellbeing. TSR has advantages over the concepts of Interaction, Integration and Evolution (IIE). The variables of this study are Human Resources, Internal Controls and Regulators, who represent internal and external interests. This study found that the IHF problems must be overcome by the concept of changing religious values into economic activities referring to the Quran and Hadith which are presented practically in the real world as a universally applicable basis in achieving Maqasid Sharia.
Systematic Review of Halal Studies Adopting Theory of Planned Behaviour Nabila Nizar; andi triyawan
Tazkia Islamic Finance and Business Review Vol. 14 No. 2 (2020)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v14i2.225

Abstract

Halal sector has emerged as one of the fastest growing markets in the world. Along with the increasing demand for halal products, researchers and experts have also produced a growing body of knowledge in the halal field. This paper aims to unveil the emergence and growth of halal studies using theory of planned behavior. Theory of Planned Behavior consists of three main variables: attitude toward the behavior, subjective norm, and perceived behavior. The method used is a systematic literature review, following Barbara Khitchenham. The authors found that 123 papers were qualified to be included in the study. There are 24 themes discussed in these halal studies, with the most significant contribution focused on consumption and products. Majority of studies are from Malaysia and Indonesia. Further research is necessary to examine several themes that are still not widely studied.
Persistent Issues with the Development of Halal Tourism in North Sumatera Hefriansyah Hefriansyah; Asmuni Asmuni; Muslim Marpaung; Hendri Tanjung
Tazkia Islamic Finance and Business Review Vol. 14 No. 1 (2020)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v14i1.217

Abstract

The present study aims to uncover the problems, aspects, solutions and strategies of halal travel and tourism in North Sumatera, Indonesia. This study employs Analytic Network Process (ANP) methods in three steps, first, problem decomposition, pair-wise comparison questionnaire, and synthesis and analysis. ANP also used to gather the opinion and responses from the experts. From this study, it was found that the problems of improving halal travel and tourism based on their level of significance are as follows: Environment, Access and Services, and Communication. Meanwhile, the priority of aspects to improve halal travel and tourism based on their level of significance are environment, access, services, and communication. Similar to problems and aspects, solutions based on their level of significance are environment, access, services and communication. In addition, top three strategies that recommended from this study are ecosystem, destination, and accessibility and connectivity. The findings of this study are also furnished with some recommendation from the industry perspective and stakeholders of halal travel and tourism.
Smart Contract’s Contributions to Mudaraba Dhiaeddine Rejeb
Tazkia Islamic Finance and Business Review Vol. 15 No. 1 (2021)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v15i1.236

Abstract

A Smart contract is a technology initiated in 1994 by Szabo and was taken over and became potentially highly applicable since the emergence of Blockchain technology. The idea that was developed by Szabo is to adopt digital self-executing contracts between parties without human intervention by using distributed ledgers to store contracts. This new technological era is intended to be used on a large scale in the financial sector. Insofar as the financial sector seeks to benefit as much as possible from these new technologies, Islamic finance also aims to position itself and integrate these innovations into its core. In the context of Islamic finance, the mudaraba contract (equity-based investment contract) despite its great economic benefits remains under-applied because of technical risks, investment obstructions, and Sharia restrictions. This work aims to study to what extent Smart contracts can contribute to the resolution of these drawbacks and the improvement of the mudaraba contract to be applied potentially by Islamic finance institutions. It is concluded that by the mudaraba contract can be enormously developed technologically, operationally, and from Sharia compliance perspective by applying smart contracts.
Managing Islamic Financial Planning Inclusion in Indonesia Farikha Amilahaq; Provita Wijayanti; Brilian Citra Pertiwi
Tazkia Islamic Finance and Business Review Vol. 15 No. 1 (2021)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v15i1.243

Abstract

Indonesia is a country with the largest Muslim population. However, the understanding of Islamic finance is still limited. Meanwhile, more people are becoming more aware of the importance of managing personal finances. The interest of Muslim community to financial planning is a great opportunity to improve Islamic financial inclusion. The community is not only learning how to control personal finance according to Islamic principles, but also knows how and where to invest funds in compliance to shariah principles. Long-term impacts can increase the share of the Islamic financial market in Indonesia, both in the Islamic banking sector, Islamic insurance, sukuk, Islamic capital market, or fintech. Thus the shariah ecosystem could be strengthened further. This paper surveys the literature in the area of Islamic financial planning, and aims to design the basic concepts of Islamic personal financial planning needs, as well as to compare it with conventional personal financial planning. The next stage is to calculate the factors that could increase the inclusion of Islamic personal financial planning. The output of this study is a conceptual framework of Islamic financial planning that could also improve Islamic financial literacy and inclusion.

Page 14 of 20 | Total Record : 198

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