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ILTIZAM Journal of Sharia Economic Research
Published by Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi
ISSN : 25982222     EISSN : 25982540     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Iltizam Journal of Shariah Economic Research E-ISSN:2598-2540 P-ISSN:2598-2222 is the journal that publishing the research result in the area of sharia economic, namely sharia banking and financing, micro and macro economy, and the issues of regional development that studied by sharia economic perspective. Iltizam cordially invites the academician, researchers, and others to submit their research article that in line with our focus and scope.
Arjuna Subject : -
Articles 176 Documents
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Deteksi Risiko Pemanfaatan Wakaf Tunai Berbasis Wisata Religi Halal Perspektif SDGs di Madura Dikuraisyin, Basar; najah , Ahmadun
ILTIZAM Journal of Shariah Economics Research Vol. 9 No. 1 (2025): Iltizam Journal of Shariah Economic Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/31yqrk93

Abstract

This research identifies, maps and mitigates risks in the utilisation of cash waqf for the development of halal religious tourism in Sumenep, Madura. The main problem of cash waqf management lies in the principle of waqf whose value should not decrease, but the benefits must be distributed. It is this principle that makes cash waqf managers (nadzir) must be careful in managing waqf funds with a scheme: minimising risk to the smallest point. This is where the significance of this research lies, waqf managers must be able to manage without reducing the value of waqf assets through risk detection. Risk detection is measured using the concept of maslahah which is tested through COSO Modification risk detection as a scientific measurement tool. The integration between these two instruments results in beneficial waqf management. This type of research is descriptive analytical with a phenomenological approach, looking at waqf instruments through the perspective of society. The data is taken from interviews with the waqf nadzir and some secondary data is taken from data on the website. The findings of this research show that risk detection of halal religious tourism cash waqf distribution, namely the entrepreneurial skills of nadzir and work partners with a score of 4.2. BMT Sumenep mitigates risks by forming a community that is symbiotic and expanding partners as guarantors of cash waqf assets. The implementation of cash waqf distribution is in accordance with the context of SDGs-1 and 8, reducing poverty and shaping human quality to ensure a decent life. Promoting the benefit of dururi to protect the family and social (hifd al-maal wa an-nasl).
Productive Zakat Management in Empowering Micro Business for Poverty Alleviation (Study at Baznas Mandailing Natal District Fahrizal Harahap, Mufti; Jureid, Jureid; Hamdanil, Hamdanil
ILTIZAM Journal of Shariah Economics Research Vol. 9 No. 1 (2025): Iltizam Journal of Shariah Economic Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/7qq99198

Abstract

This study is to study productive zakat management implemented by BAZNAS Regency Mandailing Christmas in microbusiness empowerment. For alleviation of poverty. Productive zakat is used as an instrument of Islamic economics to increase the welfare of mustahik through business capital assistance , mentoring, and entrepreneurship training. Research This use method approach is qualitative in nature and descriptive with type studies and case studies, where data is obtained through in-depth interviews, direct observation, and document analysis. Research results show that the scheme distribution of productive zakat at BAZNAS Mandailing Natal includes working capital grants, qardhul hasan (virtuous loans without interest ), and partnerships based on results. This program gives a positive impact to improving the income of mustahik as well as pushing independent microbusinesses. However , the challenges in the implementation of productive zakat Still faced , such as limited funds, low literacy finance mustahik , as well as not yet optimal implementation of standard accounting (PSAK 109). Research conclusions This emphasize importance more productive zakat management​ transparent and professional , with support mentoring systematic effort . The recommendation study covers the improvement of BAZNAS HR capacity in management finance , optimization of synergy with government and institutions of sharia finance, and digitalization of system data collection and monitoring of mustahik. With good governance , productive zakat can become an effective instrument​ to eradicate poverty and increase welfare in a sustainable way.
Pengaruh ESG Disclosure, Retention Ratio, dan Likuiditas pada Nilai Perusahaan: Peran Moderasi Ukuran Perusahaan di Sektor Infrastruktur (2021–2023) asyifa, Ade julia; Wahyu Cahyaningtyas, Niken; Utami, Yuni
ILTIZAM Journal of Shariah Economics Research Vol. 9 No. 1 (2025): Iltizam Journal of Shariah Economic Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/0ad98e98

Abstract

This study analyzes the efect of ESG Disclosure, Retention Ratio, and Liquidity on Firm Value, with Firm Size as a moderator, in Indonesian infrastructure companies (2021-2023). Using 109 observations. Results show ESG Disclosure and Liquidity negatively affect firm value, while Retention Ratio has no significant effect. Firm Size moderates the ESG Disclosure on firm value link but not the others. These findings highlight the importance of ESG and liquidity management, with firm size influencing only ESG’s effect, contributing to stakeholder and signaling theories in firm valuation
Pengelolaan Bantuan  Langsung Tunai Dana Desa Kecamatan Tebo Tengah Kabupaten Tebo Yopi Ispa, Ari; Prihatiningsih, Astuti; Marlina , Teti
ILTIZAM Journal of Shariah Economics Research Vol. 9 No. 1 (2025): Iltizam Journal of Shariah Economic Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/61azsb88

Abstract

The COVID-19 pandemic has spread throughout the world and significantly impacted the people’s economy. The government initiated a village fund direct cash assistance (BLT-DD) program to help poor rural communities affected by COVID-19. Transparency in The planning, distribution, and reporting of this program is urgently needed. In addition, accountability must be carried out clearly so that there is no misappropriation or embezzlement of funds. This study aims to analyze the effect of transparency and accountability on the management of Village Fund Direct Cash Assistance. This study uses primary data obtained from the direct distribution of questionnaires. The method used in this study is quantitative and uses multiple linear regression analysis. Respondents in this study were village officials and aid recipients in Bedaro Rampak Village, totaling 32 people. The result of this study indicates that the transparency variable has a significant and positive effect on the BLT-DD management variable. The accountability variable also has a significant and positive effect on the BLT-DD management variable. The results of the t-count value of 12.557 and the t-table value of 3.327 indicate that transparency and accountability have an effect on the management of the BLT village fund in Bedaro Rampak Village, Tebo Centre District.
Pengaruh E-Commerce dan QRIS Terhadap Pendapatan UMKM Berbasis E-digital di Kota Jambi Anggraeni , Lidya; Anggraini, Dessy
ILTIZAM Journal of Shariah Economics Research Vol. 9 No. 1 (2025): Iltizam Journal of Shariah Economic Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/11934y97

Abstract

This study aims to analyze the influence of e-commerce and QRIS usage on the income of digital-based Micro, Small, and Medium Enterprises (MSMEs) in Jambi City. Using a descriptive quantitative approach, the research involved 150 respondents randomly selected from the population of digital-based MSMEs in Jambi City. Data were collected through questionnaires and analyzed using multiple linear regression. The results indicate that, both partially and simultaneously, e-commerce and QRIS have no significant effect on the income of digital-based MSMEs. The coefficient of determination (R²) reveals that only 1.4% of the variation in MSME income can be explained by these two variables. These findings suggest that the adoption of e-commerce and QRIS among MSMEs in Jambi City is not yet optimal, with major challenges including low digital literacy, limited technological access, and restricted utilization of features. The study highlights the need for intensive training and improved digital infrastructure to support MSME digital transformation, enabling them to maximize the potential of e-commerce and QRIS in increasing income.
ANALISIS RASIO PROFITABILITAS PADA PERUSAHAAN DAGANG YANG TERDAFTAR DI INDEKS SAHAM SYARIAH INDONESIA TAHUN 2019-2023 Kholig , Flirli; Agustin nengsih, Titin
ILTIZAM Journal of Shariah Economics Research Vol. 9 No. 1 (2025): Iltizam Journal of Shariah Economic Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/9tafpn81

Abstract

The aim of this research is to find out how the Current Ratio, Debt to Equity Ratio, and Total Asset Turnover influence Return on Assets partially and simultaneously. This research uses a quantitative approach. The purposive sampling method, which means samples are selected based on certain standards, is used in the sample selection process. Financial data of trading companies listed on the Indonesian Sharia Stock Index is used in the financial reports studied for the 2019-2023 period. The type of data used is panel data. To analyze this data, panel data regression, classical assumption tests (such as normality, multicollinearity, heteroscedasticity and autocorrelation), hypothesis tests (such as t and F tests), and coefficient of determination are used. The research results show that Total Asset Turnover has a significant effect on Return On Assets, but the Current Ratio and Debt to Equity Ratio have no partial effect on Return On Assets
The Effect Of Economic Growth And Human Development Index On Social Conflicts In Jambi Province From 2010 To 2024 Yuliana
ILTIZAM Journal of Shariah Economics Research Vol. 9 No. 1 (2025): Iltizam Journal of Shariah Economic Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/5ns60613

Abstract

This study aimed to: (1) Analyze that the Economic Growth’s has a positive and significant effect on social conflicts in Jambi Province (2) Analyze that the Human Development Index (HDI) has a positive and significant effect on social conflicts in Jambi Province. (3) Know that which factors are the most dominant influencing on social conflicts in Jambi Province.The results showed that simultaneously the Economic Growth’s and The Human Development Index had a positive and significant effect on social conflicts in Jambi Province between 2010 and 2024. Partially the economic growth’s did not have a significant positive effect on social conflicts in Jambi Province. While the Human Development Index (HDI) had a positive and significant effect on social conflicts in Jambi Province. The dominant influencing factor was the Human Development Index (HDI).
DAMPAK PENERAPAN PERBANKAN SYARI’AH TERHADAP PERTUMBUHAN EKONOMI NEGARA: KAJIAN PERBANDINGAN MALAYSIA DAN INDONESIA Rusliani, Hansen; Mubyarto, Novi
ILTIZAM Journal of Shariah Economics Research Vol. 1 No. 1 (2017): Iltizam Journal of Shariah Economic Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/iltizam.v1i1.94

Abstract

Penelitian ini bertujuan untuk mengetahui dampak perbankan syari’ah terhadap pertumbuhan ekonomi di Indonesia dan Malaysia. Data yang digunakan dalam penelitian ini merupakan data primer (interview) dan data sekunder dalam bentuk bulanan yang diperoleh dari Badan Pusat Statistik Ekonomi dan Keuangan Indonesia Bank Indonesia (SEKI-BI) dan Statistik Perbankan Syari’ah Bank Indonesia (SPS-BI) serta data dari Bank Negara Malaysia dan Departemen Statistik Malaysia dalam periode waktu kurun waktu 16 tahun, 2000 sampai dengan 2015. Observasi penelitian dilakukan di Indonesia dan Malaysia untuk memperkaya analisis. Penelitian ini menggunakan Vector Autoregression (VAR), Uji Kointegrasi serta dikombinasikan dengan Response Function (IRF) dan Decomposition (FEVD) untuk melihat interaksi antara faktor makro ekonomi dengan pembiayaan dalam jangka panjang. Adapun variabel yang digunakan adalah total pembiayan syari’ah (Total Syari’ah Financing) dan Gross Domestic Product (GDP) sebagai representasi pertumbuhan ekonomi. Untuk tambahan variabel digunakan Consumer Price Index (CPI) sebagai representasi tingkat inflasi. Hipotesis penelitian yaitu terdapat pertumbuhan ekonomi setiap tahunnya dikedua negara tersebut pasca krisis moneter.
Penerapan Sharia Compliance Pada Produk Gadai Emas Pada Pegadaian Syariah dan Bank Syariah XYZ Purnama Sari, Nova; Abdul Ghofur, Ruslan; Ja'far, Khumaidi; -, Surono
ILTIZAM Journal of Shariah Economics Research Vol. 5 No. 2 (2021): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/iltizam.v5i2.781

Abstract

Sharia compliance (sharia compliance) in the gold pawn business in the current era tends to be often violated by sharia companies in order to get greater profits. Even though interest in Islamic gold pawns continues to increase. On the other hand, the shariah compliance component is the main differentiator between sharia companies and conventional companies. Therefore, this study aims to analyze how the implementation of shariah compliance on gold pawn products is applied to Sharia Pawnshops and Mandiri Syariah Banks in Metro City, Lampung. The research was conducted in 2019 at the Syariah Pawnshop and Mandiri Syariah Bank in Metro City. The research method used is a case study in both sharia companies, with a qualitative descriptive analysis method by comparing the implementation of the gold pawn in the two sharia companies with the MUI fatwa and six shariah compliance indicators that the calculation formula does not purely use the loan amount as a cost determination, but only uses presentation only. While the administrative costs are different for each group, the Sharia Pawnshop will provide discounts for customers who do not borrow in full on the estimated pawned goods. Then the administrative costs at Bank Syariah Mandiri have details that are in accordance with the costs that are clearly needed, namely 2 stamps and 0.133% of the loan value
Analisis Promosi Jabatan Pegawai Bank Syariah Indonesia KCP Muara Bulian Subhan, Muhammad; Miftah, AA; Afril Lestari, Windi
ILTIZAM Journal of Shariah Economics Research Vol. 5 No. 2 (2021): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/iltizam.v5i2.782

Abstract

This paper aims to determine the implementation system, the factors that influence, and the impact of promotion on employee performance improvement at Bank Syariah Indonesia KCP Muara Bulian. This thesis uses a qualitative approach with data collection methods through interviews and documentation. Based on the research conducted, the following results were obtained: First, the system for implementing employee promotion at Bank Syariah Indonesia KCP Muara Bulian has been implemented according to company procedures such as criteria or conditions, assessment, and no bribes or factors of closeness to superiors because of the provisions in giving Promotion of positions for employees is determined by Central Bank Syariah Indonesia. Second, factors that influence employee promotion at Bank Syariah Indonesia KCP Muara Bulian are honesty and responsibility, loyalty, experience and work performance as measured by the amount and quality of financing distributed. Third, the impact of job promotion on improving employee performance at Bank Syariah Indonesia KCP Muara Bulian is the emergence of work enthusiasm and motivating employees to improve better performance and from the results of this performance an increase in the number of customers and financing every year

Page 13 of 18 | Total Record : 176

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