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El-Barka: Journal of Islamic Economics and Business
Published by Institut Agama Islam Negeri Ponorogo
ISSN : 26571153     EISSN : 26571862     DOI : -
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
El Barka is a semiannual journal published by the Faculty of Islamic Economics and Business IAIN Ponorogo and cooperate with Ikatan Ahli Ekonomi Islam Indonesia (IAEI). El Barka accepts original scientific writings that have never been published in the field of economics, islamics economics and business, including conceptual thoughts, research reports, case reports, application of theory, critical studies and literature reviews.
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Articles 7 Documents
 1 
Search results for , issue "Vol. 6 No. 1 (2023)" : 7 Documents clear
Board Gender Diversity and Stock Liquidity Setiawan, Rahmat; Shafiyah Azzahrah, Annisa’ush; Rahmawati, Setia Dwi Ratna
El-Barka Journal of Islamic Economics and Business Vol. 6 No. 1 (2023)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v6i1.6265

Abstract

This study aims to examine the impact of gender diversity on the board of commissioners and the board of directors on stock liquidity in manufacturing companies listed on the Indonesia Stock Exchange. The research employs a multiple linear regression model. Data were obtained from the companies' financial statements published between 2014 and 2016, as well as from stock trading publications on Yahoo Finance. The independent variables used are gender diversity on the board of commissioners, measured by the ratio of female members on the board of commissioners, and gender diversity on the board of directors, measured by the ratio of female members on the board of directors. The dependent variable in this study is stock liquidity, measured using the Illiquidity Ratio. The results of the study indicate that both gender diversity on the board of commissioners and the board of directors has a significant positive effect on stock liquidity.
The Role of Cash Waqf Linked Sukuk based on Mudarabah Contract (Trustee-Partnership) as MSME Capital Solution Humaidi, Muchtim; Syamsuri, Syamsuri; Khoirunnisa, Farah
El-Barka Journal of Islamic Economics and Business Vol. 6 No. 1 (2023)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v6i1.3550

Abstract

This study tries to present a capital solution for MSMEs through the Cash Waqf Linked Sukuk instrument with a mudharabah contract. When viewed from Mandiri Institute data in June 2021 regarding the causes of MSMEs closing their businesses, the main factor was caused by business capital problems with the highest percentage of respondents, namely 45%. Based on these problems, waqf is considered the best mechanism for funding MSME projects. Moreover, waqf has been growing and giving birth to new innovations, namely the Cash Waqf Linked Sukuk (CWLS) program. It can be seen from the increase in the SW-001 series CWLS product with the use of investment returns that have succeeded in providing recovery to the BMM and SME programs by providing capital financing to 100 MSMEs. The method used in this research is descriptive qualitative with a library research approach. The data taken is secondary data in the form of readings sourced from books, magazines, or other sources from various literatures. This study found that cash waqf sukuk based on mudharabah contracts are not the same as mudharabah schemes in general. To solve the MSME capital problem, it is recommended to use the waqf link mudharabah model which can be carried out by synergizing between Islamic microfinance institutions that work together with social institutions or successful Muslim entrepreneurs/entrepreneurs. This social agency acts as a gathering place for MSMEs that need capital as well as a facilitator and supervisor to provide business training and assistance, including aspects of management and fiqh muamalah maaliyah.
The Relationship between Islamic Business Ethics and Customer Retention: Evidence from Sharia Bank in Ponorogo Susilo, Adib; Putra, Sadam Maherah Rofiqkhan; Arief, Suyoto; Lesmana, Meichio
El-Barka Journal of Islamic Economics and Business Vol. 6 No. 1 (2023)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v6i1.3979

Abstract

Customer loyalty would lead to customer retention which in turn would lead to company profit. Sadly, the lack of customer awareness on sharia bank led them to the conclusion that Islamic bank is just the same with the conventional bank. Therefore, this paper is aimed to investigate the relationship between Islamic business ethics of Prophet Muhammad character on customer retention at sharia bank in Ponorogo. Moreover, the research on this field is still few to find. The method employs in this study is quantitative method with exploratory factor analysis (EFA) and multiple regression analysis. The respondent of this study is 129 from the customer of sharia bank in Ponorogo. The data was analysed through SPSS 20 tool. This study found that EFA result indicates that from 4 variables of hypotheses which is based from 4 praiseworthy attributes of the prophet namely, siddiq, tabligh, amanah, and fathanah emerged onto 3 variables namely siddiq, tablig, and fathanah due to amanah variable merged into sidiq variables. Meanwhile, regression analysis found that siddiq (X1), tabligh (X2), and fathanah (X3) partially and simultaneously influence the customer retention (Y). The influences of independent variables on dependent variable are about 65.1%. Further analysis in the future studies is suggested with additional variables such as religiosity or TPB and other variables. Moreover, structural equation modelling (SEM) analysis also suggested for future studies in order to achieve advanced results.
The Role of the Social Sector in the Islamic Economic Model: Evidence from Indonesia Muttaqin, Aminnullah Achmad; Noor, Iswan; Afifah, Nurul; Syahrin, Fira Alfi
El-Barka Journal of Islamic Economics and Business Vol. 6 No. 1 (2023)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v6i1.5881

Abstract

Indonesia is the most generous country. Since the time of the Islamic Kingdom, there are forms of social funds, like zakat, infaq, alms, waqf, qurban, and grants. The existence and activities of Social Organisations and Social Non-Profit Institutions (ORSOLANILA) collections and distributions of funds have so far not been taken into account in national income. Whereas their actions can help to improve the Indonesian economy. Therefore, this study aims to examine the importance of ORSOLANILA in Indonesia and support the Islamic macroeconomic theory proposed by Dumairy. The method used in this research is descriptive qualitative with the type of library research. The results of this study state that ORSOLANILA’s roles are crucial in the national economy. Comparison data between Social Fund and Real GDP shows that have the different trend. Social funds increased while Real GDP dropped in the same period. This can show that the number of social funds when included in the macroeconomic calculation as a social sector can increase the amount of GDP. So it is necessary to pay attention to the Islamic economic model in calculating national income because of its impact which is provide a mechanism for economic stabilization in situations crisis or disaster and increasing investment in social and infrastructure projects that support long-term economic growth.
Enhancing Productive Zakat Programs in Light of Maqāṣid SyarÄ«’ah: Chance and Challenge in Contemporary Aceh Mubarrak, Husni; Munir, Badrul; Achyar, Gamal
El-Barka Journal of Islamic Economics and Business Vol. 6 No. 1 (2023)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v6i1.6140

Abstract

Abstract: Introduction: As the main pillar of Islam, zakat is still convinced being an effective instrument in order to realize poverty alleviation and social equilibrium. Background Problems: This article discusses about implementation, challenge and moment that could be seized by Baitul Mal as an independent institution, to compile and distribute zakat in Aceh, after a broader jurisdiction that it has, to reduce poverty. However, the reality in Aceh currently shows that the poverty is still becoming the main broadly challenged social problems that faced. Research Method: This study is a qualitative one using semi-structured interviews with purposive sampling to stakeholders who are directly engaged in zakat management in Baitul Mal Aceh and other parties like academician and practician, as well as observation and documentation. Finding/Results: The finding of this research shows that as an independent board in Aceh province, Baitul Mal Aceh has a big chance and broader authority to maintain, manage and develop zakat based on Islamic sharia law in Aceh, although it has also many obstacles to realize it. This article suggests and proposes maqāṣid syarÄ«’ah should be the parameter of any zakat programs conducted. By using maqāṣid syarÄ«’ah, hopefully it could be the parameter of innovating and conducting any productive zakat programs for realizing a more welfare and beneficial (mashlahat) purposes.
How to Overcome the Risk of Islamic Banks: Evidence from Indonesia Suganda, Asep Dadan; Anita, Anita; Wulandari, Soliyah
El-Barka Journal of Islamic Economics and Business Vol. 6 No. 1 (2023)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v6i1.6795

Abstract

Risk management is a crucial aspect of Islamic banking to ensure the sustainability and operational safety of banks and maintain the trust of customers and stakeholders. This article discusses the importance of risk management in the context of Islamic banking and analyzes the challenges faced by Islamic banks in managing risks. This research adopts a qualitative approach, with a focus on collecting in-depth descriptive and interpretative data. The study involves text analysis and case studies of Islamic banks in Indonesia. This article discussed the basic concepts of risk management in the context of Islamic banks, including risk identification, risk evaluation, and risk control. We explain the importance of comprehensive risk assessment and the use of appropriate risk management tools to address specific risks faced by Islamic banks. By analyzing these challenges, this article provides a comprehensive overview of risk management in Islamic banking and offers recommendations to enhance the capabilities of Islamic banks in effectively managing the risks. Finally, the author offers a model for overcoming the risk of Islamic banks with the Hexagonal Model consisting of two sides (internal and external) and six main cores: Education, Identification, Accountable, Guidelines, Research, and Technology.
Roles of Awareness and Knowledge in Determining People’s Perception Towards Takaful: Evidence from Southwestern Afghanistan Abdullah, Ziarmal; Shams, Shamsullah; Ashurov, Sharofiddin
El-Barka Journal of Islamic Economics and Business Vol. 6 No. 1 (2023)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v6i1.7095

Abstract

The main purpose of this study is to investigate the impact of awareness and knowledge in determining people’s perceptions towards takaful services in Afghanistan's southwestern zone, with a particular focus on the provinces of Kandahar, Helmand, and Zabul. This study aims to shed light on the elements impacting people's perceptions of takaful by assessing their awareness and understanding levels of takaful in the specified geographic and socioeconomic environment. To achieve the study objective, an expert research methodology is adopted. It includes survey-based inquiries conducted using a carefully chosen heterogeneous purposive sampling (HPS) technique. The data collected is subjected to rigorous analysis, including reliability testing, multiple regression, and Pearson correlation analysis. The robust analysis is facilitated by the utilization of SPSS version 26:00 software. The results state that the role of awareness and knowledge is established as statistically significant and has a positive impact on shaping individuals' perceptions towards takaful services within the southwestern zone of Afghanistan. To enhance the breadth of future research, it is recommended that similar investigations be extended to other provinces, fostering a more comprehensive understanding. As an avenue for future exploration, subsequent studies could delve into additional determinants of individuals' perceptions that may have been unaddressed in this research. The insights garnered from this study possess significant implications for policymakers seeking to facilitate the establishment of the takaful industry, with a particular emphasis on aligning regulatory measures with Sharia law and focusing on the salient determinants that influence individuals' perceptions.

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