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ILTIZAM Journal of Sharia Economic Research
ISSN : 25982222     EISSN : 25982540     DOI : -
Core Subject : Economy,
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
Peluang dan Tantangan Bank Syariah di Masa Pandemi Covid 19 Hardiansyah Padli; Kumaidi ,
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.v5i2.810

Abstract

ABSTRACT The COVID-19 pandemic has had a major impact on the economy, and the banking sector is no exception. What is quite different can be seen that the growth of Islamic banks shows a positive trend. This article was compiled to analyze the opportunities and challenges faced by Islamic banks during the Covid 19 pandemic. This article uses qualitative data analysis with descriptive-critical methods and through a literature study approach. The data analysis focuses on the opportunities and challenges of Islamic banks during the Covid 19 pandemic. Researchers used secondary data as a source of article creation. Based on the results of the study, it was revealed that Islamic banks have opportunities in the form of: historically and the application of profit-sharing contracts makes Islamic banks more crisis-resistant, Indonesia is the country with the largest Muslim population, the pandemic has made businesses digitize this as a market share for Islamic banks. Meanwhile, the challenges faced by Islamic banks are financing risks due to unstable market conditions, the imposition of restrictions on human mobility and limited capital investment for technology improvement.
Analysis of the Impact of Covid- Analysis of the Impact of Covid-19 on Sales Volume, Revenue, Income (Case Study of Vegetable Traders at Angso Duo Market, Jambi): Analysis of the Impact of Covid-19 on Sales Volume, Revenue, Income (Case Study of Vegetable Traders at Angso Dua Market, Jambi) Etik Winarni; Iwan Eka Putra; Hario Tamtomo; Muhammad Arif
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.v5i2.1007

Abstract

This study aims to analyze the impact of Covid-19 on the volume of vegetables, revenue, and income traded by traders before and during Covid-19 at the Angso Duo Market Jambi. The data analyzed using the paired t-test analysis generally examines the difference between two observations. This kind of test is carried out on the subject being tested for the situation before and before the process, or the subject of a similar (similar) pair. Paired t-test in this study, will test whether there are significant differences in the observed variables at the beginning of the observation period and the end of the observation period. The basis for decision making is if the significance level > 0.05, then Ho is accepted, if the significance is <0.05 then Ha is accepted. From the results of the analysis and research discussion From the results of the analysis and discussion of research, the average sales volume of vegetables before Covid-19 was 224,235kg/month and during Covid-19 the volume was 131,285kg/month. This shows that there is a real and significant difference in the volume of vegetable sales before and during Covid-19 at the Angso Duo Jambi Market. Meanwhile, the average vegetable sales revenue before Covid-19 was IDR 68,045,977.01 and during Covid-19 it was IDR 34,816,091.95. This shows that there is a real and significant difference in vegetable receipts before and during Covid-19 at the Angso Duo Jambi Market. And the average vegetable sales income before Covid-19 was IDR 20,452,873.56 and during Covid-19 the income was IDR 72,990,804.59. This shows that there is a real and significant difference in vegetable receipts before and during Covid-19 at the Angso Duo Jambi Main Market.
Analisa Faktor-Faktor yang Mempengaruhi Prilaku Sedekah Harta Pada Karyawan PT. TELKOMSEL Tbk Wahibul Minan; Indra -; Luqyan Tamanni
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.v5i2.933

Abstract

Charity behavior is related to the motivation, ethics, intensity, priority, object and nominal of charity. Charity behavior is influenced by several factors, including religiosity, charity knowledge, Islamic financial planning, altruism and involvement in spiritual organizations. The purpose of this study was to determine how much influence the factors of religiosity, knowledge of charity, Islamic financial planning, altruism and involvement in spiritual organizations have on the behavior of charity. The object of the research is the employees of PT. Telkomsel Tbk. with diverse demographic and socioeconomic characteristics. This research is a quantitative research using Structural Equation Model (SEM) with Partial Least Square (PLS) analysis technique with SmartPLS application. The results of this study indicate that the variables of religiosity and charity knowledge have no significant effect on the behavior of charity of wealth. While the variables of Islamic financial planning, altruism and involvement in spiritual organizations have a significant effect on the behavior of giving assets to employees of PT. Telkomsel Tbk.
Analisis Keterhubungan Tingkat Kemiskinan Dan Pembiayaan Syariah Di Indonesia Tahun 2005-2020 Titin Agustin Nengsih; Bambang Kurniawan; Eka Fitri Harsanti
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.v5i2.1022

Abstract

Poverty is one of the main problems experienced by almost all countries in the international world. Ongoing poverty in developing countries is usually indicated by presence, backwardness, and ultimately waiting. In Indonesia, until now poverty is still an important problem for the government that must be completely resolved. The purpose of this study was to determine and examine the effect of Islamic financial institution financing on mission problems in Indonesia in 2005–2020. The form of research used in this study is a quantitative descriptive technique with Simple Linear Regression analysis. The type of data used in this study is time set data from 2005–2020. The hypothesis test in this test uses Simple Linear Regression evaluation and it is found that financial institutions have a considerable influence on the poverty level in Indonesia with a significance price of 0.000 with a coefficient of determination of 81% and affects other variables outside the study.
Analysis of Employee Position Promotion at Bank Syariah Indonesia KCP Muara Bulian Muhammad Subhan; AA Miftah; Windi Afril LEstari
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
Sharia Compliance Implementation on Gold Pawn Products at Sharia Pawnshops and Sharia Banks XYZ Nova Purnama Sari; Ruslan Abdul Ghofur; Khumaidi Ja'far; 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
Historiografi Sekularisasi Pasar pada Masyarakat Muslim Indonesia dimasa Kolonial Belanda (1602 - 1942) Arip Rahman; Ilyas Marwal; Muhammad Maulana Hamzah
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.v5i2.1034

Abstract

This study aims to capture the historiography of market and economics activities in Indonesia during dutch colonialization. Historical studies began when VOC was established in 1602 and end before the arrival of Japan, its counted three and half centuries. However, the colonial economics and culture such as monopoly, divide et empera etc has always been opposed by religious leaders who have succeeded in keeping and spreading religious values through cultural and educational approaches. The object of this research is focused on development Moslem economics activies during colonialization. This research uses the content analysis method and historical review of books and documents relating to the research object. Historiography analysis is used to select the valid resources according to the historian during 1602-1942. the Preliminary study found that historiography is close to subjective preferences, then in this research uses the comparative analysis to compare between muslim, dutch/colonial, and outsider historian. The research findings are divided into four sections they are Internalization of Market Secularism in Indonesia, The struggle period of Islamic Scholars, Market Transformation in Indonesia and Great Depression Period.
Analisis Strategi Pengelolaan Wakaf sebagai Bisnis Sosial Islam - Study Kasus Yayasan Wakaf Produktif Pengelola Aset Islami Indonesia Siti Karimatul Akhlaq; Bayu Taufiq Possumah; Eng Saiful Anwar
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.v5i2.743

Abstract

This research aims to analyze (i) how the productive waqf management strategy carried out by the Yayasan Wakaf Produktif Pengelola Aset Islami Indonesia and (ii) Priority of the benefits, opportunities, costs and risks (BOCR) of the Yayasan's development strategy in managing its productive waqf projects. The respondents in this research consisted of experts, academics and waqf practitioners. The type of this research is qualitative and the data analysis method used in this research is the two-story of Analytic Network Process (ANP) with super-decision software. In this research, the aspects of benefits, opportunities, costs and risks (BOCR) are divided into 2 aspects, first internal aspects; aspects which have point of view from the perspective inside the institution and the second external aspects, aspects seen from the point of view outside the Yayasan. Before the existing strategy of the Yayasan is analysed using the ANP- BOCR method, the researcher maps out the strategy into the business model canvas (BMC). The results of the research, the strategies that have been carried out by Yayasan are (1) Intensive good use of Nazir who is competent and knows knowledge about waqf, and (2) the feasibility study before choosing a business for waqf funds and (3). Productive Collection of waqf funds using a personal approach to potential waqifs. This study shows that the three strategies above which are carried out by the Yayasan - are things that most respondents preferred, showed a rater agreement (W) at the the level of agreement between respondents at the medium level, namely = 0.39 - which is in accordance with the study result of long-term strategy. The Yayasan has proven to generate maximized and sustainable profits which have been distributed to mawquf alayh in accordance with the initial objectives of its project.
Determinan Pengetahuan dan Persepsi Terhadap Minat Menabung di Bank Syariah (Studi Kasus Mahasiswa HES IAIN BATUSANGKAR) Muhammad Deni Putra; Elimartati; Rizal Fahlefi; Sitri Nofrita Sari
ILTIZAM Journal of Shariah Economics Research Vol. 6 No. 1 (2022): 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

Abstract

This research was conducted to examine how students' knowledge of Islamic Bank products, to determine the students' own perceptions of the interest in saving in Islamic banks and to find out whether there is a relationship between the knowledge and perceptions of students majoring in HES on interest in saving at Islamic Banks. This type of research is field research using quantitative methods. The data collection technique that the author uses is through a questionnaire. Data processing is carried out by quantitative methods, then described and presented through effective sentences. Based on the results of the research that the authors obtained, it was found that there was a significant relationship between the knowledge of students majoring in HES and interest in saving in Islamic banks. Based on the results of the regression analysis, the tcount value was 3.722 > ttable = 1.671, while the significance value (sig) was 0.000 <0.05. So it can be concluded that Ho1 is rejected and Ha1 is accepted, meaning that partially the knowledge variable (X1) is significantly related to a very strong positive relationship with interest in saving (Y). Meanwhile, on the perception variable, there is no significant relationship between the perceptions of students majoring in HES and interest in saving in Islamic banks. Based on the results of the regression analysis, the tcount value was 1.903 > ttable = 1.671, while the significance value (sig) was 0.061 0.05. So it can be concluded that Ho2 is rejected and Ha2 is accepted, meaning that partially there is no significant relationship between the perception variable (X2) on interest in saving. So it can be said that there is an insignificant relationship between perception and interest in saving.
Pengelolaan Zakat dan Wakaf di Malaysia dan Turki: Studi Komparatif Adrianna Syariefur Rakhmat; Irfan Syauqi Beik
ILTIZAM Journal of Shariah Economics Research Vol. 6 No. 1 (2022): 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

Abstract

This paper aims to analyze the management of zakat and waqf in Malaysia and Turkey. This study uses a descriptive-comparative analysis method to describe the similarities and differences in the management of zakat and waqf between Malaysia and Turkey. The results of this study include that zakat in Malaysia is mandatory, while zakat in Turkey is voluntary. Zakat in Malaysia and Turkey are both tax deductible. The Government of Malaysia is involved in the management of zakat, while the Government of Turkey does not participate in the management of zakat. The Government of Malaysia and Turkey both participate in the management of waqf. The ministry involved in waqf management in Malaysia is the ministry of religion, while the ministry involved in waqf management in Turkey is the Ministry of Culture and Tourism. Secularism has a negative influence on the practice of waqf in Malaysia and Turkey. The issue of waqf that should have been handled in a sharia court, however, turned out to be handled by a civil court. Meanwhile, the change in the term waqf to ta'sis in Turkey has resulted in a decrease in the number of waqf collections.

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