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Ihtifaz: Journal of Islamic Economics, Finance, and Banking
Published by Universitas Ahmad Dahlan
ISSN : 26224755     EISSN : 26225798     DOI : 10.12928
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
The Ihtifaz, Journal of Islamic Economics, Finance, and Banking published by Department of Islamic Banking, Ahmad Dahlan University, is a peer-reviewed open access international journal published twice in a year (June and December). The Ihtifaz aims to provide an international forum for researchers and professionals to share their ideas on all topics related to Islamic Economics, Finance, and Banking. It publishes its issues in an online (e-ISSN 2622-5798) and a printed (p-ISSN 2622-4755) version.
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Articles 5 Documents
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Search results for , issue "Vol. 5 No. 2 (2022)" : 5 Documents clear
Pro-Insting (Financial Inclusion Program to Prevent Stunting) for Economic Empowerment & Movement to Accelerate Financial Inclusion for Women Yulianti M Manan; Dedik Kurniawan
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 5 No. 2 (2022)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v2i1.847

Abstract

Introduction: One of the main themes of the Sustainable Development Goals (SDGs) is reducing poverty, hunger, and increasing inclusive economic access. The SDGs focus on indicators of human resource development, particularly those related to women and children. The results of the third National Financial Literacy Survey (SNLIK) conducted by the Financial Services Authority (OJK) in 2019 showed that the financial literacy index was 38.03% and the financial inclusion index was 76.19%. Further analysis of statistical data shows that there is a disparity in access to utilities and financial literacy between women, which tends to be lower compared to men. In line with this data, the prevalence of malnutrition cases with stunting (failure to grow linearly) is 30.8%, and there are also high rates of toddlers with malnutrition, at 17%. This data shows that Indonesia's current and future generations need serious attention, as well as integral and holistic efforts, to achieve prosperous economic justice and complete health. This study conceptualizes social innovation based on an elaborative process of two vital domains: access to financial inclusion and access to health with a dependency on the family economy, through the Pro-Insting movement (Financial Inclusion Program to Prevent Stunting). Purpose: The purpose of this study is to analyze and design an integrative innovation based on the health-economy movement by increasing access to financial inclusion and becoming an alternative role model for economic and health development businesses for women, especially mothers of children under five, in strategies to increase access to financial inclusion and reduce the prevalence of stunting. Methodology: This study uses a descriptive research design with discussion construction based on a community empowerment-based convergence innovation strategy, implemented using a social enterprise start-up model. The goal of the study is to research and develop sustainable innovation designs that have affectional value in increasing financial inclusion and reducing stunting prevalence rates. The design model for this research is the Pro-Insting roadmap, which refers to the Logical Framework Programming (LFP) protocol. Findings: Pro-Instingis a model that combines elements of social enterprise and aims to bring together two intersecting aspects.
A Review on Cash Waqf for Education in Malaysia: Challenges and Impacts Wan Hasanah Megat Ajib
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 5 No. 2 (2022)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v5i2.5923

Abstract

Introduction: The cash waqf has been practiced widely since the beginning of the 15th Century during the reign of the Ottoman Empire and The Fatwa Committee of the 77th National Council for Islamic Religious Affairs Malaysia announced its permissibility in Malaysia on 12 April 2007. Since that, the cash waqf is developed rapidly and most of the collection is focused on educational purposes. This study identifies the challenges and impacts of cash waqf in Malaysia specific for education. Purpose: This study identifies the challenges and impacts of cash waqf in Malaysia specific for education. Methodology: This study used a descriptive method based on previous studies, secondary data from the published book, and regulatory bodies’ official portals. Findings: The findings showed four main challenges faced by the waqf authority; (1) lack of expertise by the waqf staff and manager in cash waqf management; (2) low level of public awareness and less understanding of the university’s top management; (3) inconsistency of enactments because of the state’s enactment; (4) Improper documentation and no publication on the latest annual report. Despite the challenges, the implementation of cash waqf contributed more good impacts on students and educational institutions such as (1) improve the facilities of schools and universities, (2) more university waqf centers had been established, (3) the welfare of disabled and poor students is guaranteed, and (4) enrich the quality of higher education through research grants.
Waqf and Impact Sustainable Finance in Indonesia: Lessons from ESG Reporting Concept Nur - Arifah; Putri Maulidiah; Lu'liyatul Mutmainah; Lisa Listiana
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 5 No. 2 (2022)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v5i2.6121

Abstract

Introduction to The Problem: The expansion of waqf institutions in Indonesia is increasingly promising. However, not many implement a strict reporting system. Moreover, most of the waqf institutions are managed by Nazhir individually. The application of ESG reporting is important to see how a waqf institution is seen as having an impact on a number of issues related to the existence of the institution in the context of sustainable finance. Purpose: Environmental, social, and governance (ESG) reporting is one method of reporting the sustainable impact of a company's performance as measured in a number of analytical tools. This study aims to reveal ESG aspects in reporting by waqf institutions. Design/Methodology/Approach: This study employs a qualitative approach by utilizing a meta-synthesis of ESG literature. This is a systematic exploratory research strategy for building or extracting references from qualitative research. Findings: This research found that ESG concept is also relevant to be applied in philanthropic institutions such as waqf institutions in Indonesia. Maqashid sharia is the principle in Islamic institution that mandates transparency and responsibility not only to the community, but also to the surrounding environment to realize modern organizational governance.
Determinants Affecting Growth Of Islamic Bank Assets In Indonesia: External Factors As Moderating Variables Priyono Puji Prasetyo Priyono; Agus Susetyohadi Agus
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 5 No. 2 (2022)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v5i2.6627

Abstract

Introduction to The Problem: Internal and external factors will affect the growth of an industry, including the Islamic banking industry. Both can measure Islamic banks' growth more broadly and deeply.. Purpose: This study aims to analyze the relationship of internal factors to the growth of Islamic bank assets in Indonesia: external factors as moderating variables. Methodology: To answer the objectives of this study, secondary data in the form of panel financial reports for the period 2012-2021 were used. The samples taken in this study were 12 Islamic Commercial Banks (BUS), 21 Islamic Business Units (UUS), and 164 Islamic BPRs. Internal factors include CAR, FDR, NPF, and DPK, and the external factor used is the BI Rate. These financial data were then tested using the panel data regression analysis method through the Moderated Regression Analysis (MRA) estimation model with the help of the SPSS 25 statistical tool. Findings: The results showed that the BI Rate variable increased the relationship of internal variables to the growth of Islamic bank assets.
Islamic Microfinance Institution Assistance Model in the Covid-19 Pandemic Riduwan; Norma Sari; Sunu Prasetya Adi
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 5 No. 2 (2022)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v5i2.7262

Abstract

Introduction: Sharia Microfinance Institutions in the form of Baitul Mal wa Tamwil (BMT) is a form of financial inclusion that plays an important role in the development of micro and small businesses. Its main activity is to raise member funds in the form of deposits and redistribute them in the form of microfinance. During the covid 19 era, almost all of its members were affected, causing operational disruptions. Purpose: This study aims to analyze the impact of covid 19 on BMT and members as well as the social assistance model carried out until December 2021. Methodology: Determination of the sample using porpusive sampling with respondents as many as 43 BMT spread across Sumatra, Java and Sulawesi. The three islands were chosen because they became the center of BMT's growth.  The data collection method uses google form, while the data analysis uses qualitative descriptive analysis. Findings: The results of the analysis show that covid 19 has a direct impact on BMT's performance by an average of 8.4%, in the form of a decrease in financing installments, deposits and profits as well as an increase in non-performing financing. Although BMT's performance has decreased, its social role has increased in the form of social assistance, such as relaxation of financing, member education and facilitation of marketing of member products through social media, and the provision of basic social assistance.

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