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Ihtiyath : Jurnal Manajemen Keuangan Syariah
Published by Institut Agama Islam Negeri Zawiyah Cot Kala Langsa
ISSN : -     EISSN : 25810219     DOI : https://doi.org/10.32505/ihtiyath.v7i1.5682
Core Subject : Religion, Economy, Humanities, Art, Social,
Religion Arts Humanities Economics, Econometrics & Finance Social Sciences
Ihtiyath : Jurnal Manajemen Keuangan Syariah was published by the Faculty of Economics and Islamic Business IAIN Langsa which aims to disseminate research results and ideas of academics and practitioners in the field of Islamic finance management. The topics in Ihtiyath Journal include sharia financial management, sharia marketing, sharia retail management, human resource management, operational management, strategy management, international business, small and medium scale businesses, entrepreneurship, and sharia tourism management and other themes that related to sharia financial management. Ihtiyath Journal is published since 2017 with a publishing period of 2 (two) times a year, namely September and Desember. And since 2021 Published Twice a year (June and December).
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis dan Menejemen Intetrnasional
Articles 225 Documents
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Layanan Webform Terhadap Kepuasan Nasabah Dimoderasi Pengetahuan (Studi Pada Nasabah BSI di Kota Palembang) Zulkarnain, Muhammad; Nurul Ilma Hasana Kunio; Marti Utari; Ahmad Ari Gunawan Sepriansyah; Ade Sukmawati
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 8 No 1 (2024): Vol. 8 No.1 Juni 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v8i1.8434

Abstract

This research aims to determine the effect of webform on customer satisfaction with knowledge as a moderating variable. The data analysis method uses quantitative with a questionnaire data source with a sample size of 100 samples. Data analysis uses Moderated Regression Analysis (MRA). The research results obtained a constant value of 2.078 indicating customer satisfaction before being influenced by the webform variable. Then the regression coefficient value of 0.532 The results of the t-test obtained a t-sig value < α5% (0.05), namely 0.000 < 0.05 and it can be stated that web form has a significant effect on customer satisfaction. The MRA test results show that knowledge is a quasi-moderator or pseudo-moderator variable between the dependent variable customer satisfaction and the independent variable webform.
Kontribusi Zakat untuk Ketahanan Pangan dan Pengentasan Stunting: Tinjauan Literatur Sistematis Hidayat, M. Fahmi; Fauziyah Latiefa Salsabila
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 8 No 1 (2024): Vol. 8 No.1 Juni 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v8i1.8536

Abstract

Abstract This paper aims to systematically examine zakat for food security and stunting reduction, as discussed in existing literature. This research uses a careful literature review method from searching articles on Google Scholar and well-known journal publishers such as Emerald, Scopus, ProQuest, and JStor to obtain quality references in analyzing the topic. The results show that the zakat instrument positively supports food security and stunting reduction by integrating the findings of this literature review, namely that effective agriculture will produce abundant food production, which is then strengthened through productive zakat to improve the economy and people's purchasing power for decent food. Nutrition-based cash zakat provides special support as a social safety net, and effective zakat management ensures the proper distribution of zakat funds. Keywords: Zakat, Food Security, Stunting Avelliation, SLR Abstrak Tulisan ini bertujuan untuk mengkaji secara sistematis zakat untuk ketahanan pangan dan pengentasan stunting, sebagaimana dibahas dalam literatur yang ada. Penelitian ini menggunakan metode tinjauan pustaka secara cermat yang diperoleh dari penelusuran artikel di Google Scholar dan penerbit jurnal ternama seperti Emerald, Scopus, ProQuest, dan JStor untuk mendapatkan referensi yang berkualitas dalam menganalisis topik. Hasilnya menunjukkan bahwa instrumen zakat secara positif mendukung ketahanan pangan dan pengentasan stunting dengan mengintegrasikan temuan tinjauan pustaka ini, yaitu pertanian yang efektif akan menghasilkan produksi pangan yang melimpah, kemudian diperkuat melalui zakat produktif untuk meningkatkan perekonomian dan daya beli masyarakat terhadap pangan yang layak. Zakat tunai berbasis gizi untuk memberikan dukungan khusus sebagai jaring pengaman sosial, dan manajemen zakat yang efektif memastikan distribusi dana zakat yang tepat. Kata Kunci: Zakat, Ketahanan Pangan, Pengentasan Stunting, SLR
Determinan Loyalitas Nasabah dengan Efek Mediasi Kepuasan Nasabah Terhadap Produk Perbankan Syariah Ramayani, Ramayani; Tajul Ula; Zefri Maulana
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 8 No 1 (2024): Vol. 8 No.1 Juni 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v8i1.8564

Abstract

Abstract Purpose: This study aims to analyze the influence of the application of Islamic values, service quality and product excellence on customer loyalty through customer satisfaction as an intervening variable in Islamic Banking Products. Design/methodology/approach: In this study, the author took data from the Langsa City Community which amounted to 100 samples. The analytical tool used in this study is the Structural Equotion Model- Partial Least Square (SEM-PLS) mediation effect using the Smart PLS 3.00 Application. Findings: The results revealed that the variable t test hypothesis test showed that the application of Islamic values directly positive was not significant and through customer satisfaction was positive and significant. The variable of service quality is directly positive and significant to customer loyalty, while through positive customer satisfaction is not significant, besides that product excellence is directly positive significant, while product excellence through customer satisfaction is positive significant to customer loyalty. Furthermore, customer satisfaction with customer loyalty is positive and insignificant for customer loyalty to Islamic Banking Products. Research limitations/implications: The results of this study can enrich the literature on customer loyalty in Islamic banking by adding insight into how the application of Islamic values, service quality, and product excellence affects customer satisfaction and loyalty. Practical implications: Islamic banking management can use these findings to improve their service and product strategies. Strengthening the application of Islamic values, improving service quality, and introducing superior products can increase customer satisfaction and loyalty. Tujuan: Penelitian ini bertujuan untuk menganalisa pengaruh Penerapan nilai-nilai Islam, Kualitas pelayanan dan Keunggulan produk terhadap Loyalitas nasabah melalui Kepuasan nasabah sebagai variabel intervening pada Produk Perbankan Syariah. Desain/metodologi/pendekatan: Penelitian ini penulis mengambil data Masyarakat Kota Langsa yang berjumlah sebanyak 100 orang sampel. Alat analisis yang digunakan dalam penelitian ini adalah Structural Equotion Model- Partial Least Square (SEM-PLS) efek mediasi dengan menggunakan Aplikasi Smart PLS 3.00. Temuan: Hasil penelitian mengungkapkan bahwa pada uji hipotesis uji t variabel menujukkan bahwa Penerapan nilai-nilai Islam secara langsung positif tidak signifikan dan melalui Kepuasan nasabah positif dan signifikan.Variabel Kualitas pelayanan secara langsung positif dan signifikan terhadap Loyalitas nasabah, sedangkan melalui Kepuasan nasabah positif tidak signifikan, selain itu Keunggulan produk secara langsung positif signifikan, sedangkan Keunggulan produk melalui Kepuasan nasabah positif signifikan terhadap Loyalitas nasabah. Selanjutnya Kepuasan nasabah terhadap Loyalitas nasabah positif dan tidak signifikan terhadap Loyalitas nasabah pada Produk Perbankan Syariah. Keterbatasan / implikasi penelitian: Hasil penelitian ini dapat memperkaya literatur tentang loyalitas nasabah di perbankan syariah dengan menambahkan wawasan tentang bagaimana penerapan nilai-nilai Islam, kualitas pelayanan, dan keunggulan produk mempengaruhi kepuasan dan loyalitas nasabah. Implikasi praktis: Manajemen perbankan syariah dapat menggunakan temuan ini untuk meningkatkan strategi layanan dan produk mereka. Memperkuat penerapan nilai-nilai Islam, meningkatkan kualitas pelayanan, dan memperkenalkan produk yang unggul dapat meningkatkan kepuasan dan loyalitas nasabah.
Dampak Demografi, Indeks Pembangunan Manusia, dan Demokrasi terhadap Pertumbuhan Ekonomi di Wilayah Provinsi Sulawesi Periode 2012-2022 Ifan, Muhamad Ifan Permana; Muhammad Syaifullah; Arman; Erba Putra Diansyah; DiaMuhammad Yusuf Darasyiddin A Safa’a
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 8 No 1 (2024): Vol. 8 No.1 Juni 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v8i1.8763

Abstract

This research aims to analyze the impact of Demography, Human Development Index (HDI) and Democracy Index on Economic Growth in the Sulawesi Region for the 2012-2022 period. The research method used is panel data regression with the selected estimation model being the Random Effect Model (REM). The research results explain that partially demographic variables have no impact on economic growth, HDI has a significant impact on economic growth and the democracy index (X3) has no impact on economic growth. Simultaneously the demographic variables (X1), HDI (X2) and democracy index (X3) have an impact on the economic growth variable (Y) with a coefficient of determination (R2) of 0.18%, The research results show that the impact of demographics, HDI and index democracy is only 18% while 82% is influenced by other variables.
Potensi Wakaf dan Dana Abadi Akademik dalam Manajemen Keuangan Pendidikan Tinggi : Literature Review dengan Metode PRISMA Azhari, Chika Amalia; Purwana, Dedi
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 8 No 2 (2024): Vol. 8 No.2 Desember 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v8i2.8795

Abstract

This study aims to explore the role of waqf management in addressing the challenges of increasing academic endowments, managing asset allocation in Higher Education Institutions in Indonesia. This research uses a literature review approach with the Systematic Literature Review PRISMA model. Data taken from existing literature and data on Waqf Management, Academic Endowment, Asset Allocation, Higher Education Institutions, Indonesia, especially waqf management in universities in Indonesia. This research potential of sharia-based university financial management as an alternative to overcome challenges and financial problems faced by universities in Indonesia. The findings show that financial planning based on the concept of Sharia Waqf stimulates the potential growth of higher education endowment funds in Indonesia. Several methods such as the use of cash waqf mechanisms, involving the Indonesian waqf movement institution as an part to socialize the waqf movement, accepting other assistance such as alms and grants, increasing the religiosity value of each academic staff at the university, utilizing blockchain applications as a tool to address accountability and transparency in waqf management at the university, increasing asset ownership,expanding the alumni network, designing appropriate investments with selected risks for each of university. While the literature review provides valuable insights, there is room for improvement, and further research could re-explorer alternative methods that are more effective and efficient. The complexity of financial management with waqf principles in higher education towards academic endowments and university asset allocation requires further analysis and review to uncover important aspects in the broader landscape of higher education budgeting and financing management. This research has practical implications, recommending experts to support the waqf implementation process in universities across Indonesia. It highlights the importance of Shariah-based financial planning as a viable solution for any higher education institution and suggests that ongoing research in this area can contribute to refining the implementation mechanism.
Analisis Perbandingan Kinerja Keuangan Bank Syariah Indonesia dan BCA Syariah Tahun 2021-2023 Nurzianti, Rahma; Fitri Yunina
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 8 No 2 (2024): Vol. 8 No.2 Desember 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v8i2.9045

Abstract

This study aims to compare the financial performance of BSI and BCA Syariah in 2021-2023 using the Sharia Conformity and Profitability (SCnP) method. This research uses a descriptive quantitative approach and secondary data in the form of financial statements from BSI and BCA Syariah for the period 2021 to 2023. The results show that the comparison of the financial performance of BSI and BCA Syariah based on the SCnP method shows BSI's superiority in profitability, while BCA Syariah is superior in sharia compliance. Data and graphical analysis from 2021 to 2023 indicate that BSI's financial performance is in the Lower Right Quadrant (LRQ), while BCA Syariah during this period showed financial performance in the Upper Left Quadrant (ULQ). This research seeks to apply aspects of sharia compliance to Islamic banks through financial analysis. In addition, the recent transfer of priority customers from BSI to BCA Syariah is an important concern. Therefore, it is necessary to improve sharia compliance in all Islamic Commercial Banks. Indonesian Islamic banking can further develop, improve service quality, and maintain its sharia integrity, which in turn will strengthen its position in the domestic and international markets
Persaingan dalam Perbankan Syariah: Studi Perbandingan Kinerja Bank Syariah Swasta dan Pemerintah di Indonesia Aisyah, Mitra Riani; Wahyudi Rusdi
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 8 No 2 (2024): Vol. 8 No.2 Desember 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v8i2.9548

Abstract

Comparing the financial performance between privately-owned Islamic banks and government-owned Islamic banks in Indonesia is the objective of this study. The analysis is conducted using key financial ratios such as Return on Assets (ROA), Operational Costs to Operational Income (BOPO), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), and Return on Equity (ROE). These ratios were selected because they provide a comprehensive overview of profitability, operational efficiency, capital adequacy, and the banks' ability to channel financing.The data analyzed were sourced from the annual financial reports of Islamic banks in Indonesia for a specific period. This study employs a quantitative approach using SPSS 25 software to process the secondary data. Based on the analysis conducted, the findings reveal that there are no significant differences between the financial performance of government-owned and privately-owned Islamic banks in terms of ROA, BOPO, FDR, and NPF. However, significant differences were found in the CAR and ROE ratios, indicating differences in capital management strategies and the ability to generate returns on equity.These differences are likely influenced by ownership structure and the management policies of each bank. This study provides valuable insights for stakeholders in understanding the dynamics of the financial performance of Islamic banks, both privately-owned and government-owned, which can be used as a basis for strategic decision-making by investors and regulators.
Berkah Finansial: Tantangan dan Implementasi Perencanaan Keuangan Syariah Generasi Z Kota Langsa Mirza, Rinda; Hisan, Khairatun; Maulana, Zefri
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 8 No 2 (2024): Vol. 8 No.2 Desember 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v8i2.9550

Abstract

This study aims to identify the challenges faced by Generation Z in Langsa City in adopting sharia financial planning. Although sharia financial planning offers many benefits, many of them have difficulty understanding and implementing sharia financial principles effectively. This study uses a field research method with a descriptive qualitative approach, involving five informants from Generation Z selected through the Snowball Sampling technique. Primary data were obtained through direct interviews, while secondary data came from literature studies. Key findings indicate variations in the understanding and implementation of sharia financial planning, where some informants have implemented planning systematically, while others are more spontaneous and less organized. The main obstacles faced include a lack of in-depth understanding of sharia principles, as well as the influence of a consumptive lifestyle that hinders the implementation of sharia principles such as the prohibition of usury, gharar, and maysir. This study emphasizes the importance of sharia financial education and literacy to improve financial management in accordance with sharia principles among Generation Z.
Kinerja Usaha Mikro: Analisis Pengaruh Pembiayaan dan Karakteristik Kewirausahaan Zulkarnain, Muhammad; Aurantia Marina; Mukarramah
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 8 No 2 (2024): Vol. 8 No.2 Desember 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v8i2.9969

Abstract

The research was conducted with the object being microenterprises in Ilir Barat District, Palembang City. Purpose of the research is to reveal wheather the performance of microenterprises is influenced by financing and entrepreneurial characteristics. The method used is quantitative. While primary data sourced from a research questionnaire with a sample of 98 respondents. The data analysis technique uses multiple linear regression equations. The results of the study obtained financing and entrepreneurial characteristic, both partially and simultaneously significant to the performance of microenterprises in Ilir Barat District, Palembang City. Financial institutions need to design financing schemes that are flexible and in accordance with the needs of micro businesses to support business growth.
Pengaruh Kompensasi, Lingkungan dan Budaya Manajemen Terhadap Hasil Kerja Pegawai di Kantor BPJS Sri Indrayanti; Rahmani Fitra; Ade Suryana; Jana Sandra
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 8 No 2 (2024): Vol. 8 No.2 Desember 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v8i2.10380

Abstract

The aim of this research is to determine the influence of funds, performance and institutional management on BPJS Jakarta branch employees. Technique in determining the impact on workers is by sampling where the takers are 44 samples of personnel from the population in the office agency. The researcher tried to conduct a quantitative descriptive analysis through the measurement of the linkert scale. The method in determining and analyzing the researcher's data used questions from the researcher for all employees of BPJS Ketenagakerjaan Jakarta Kebon Sirih Branch as many as 44 persons. The data was tested using IBM SPSS 25, it showed that the value of the determination coefficient (Adjusted R Square) was 0.717. In addition, there is a Model Feasibility Test (Test F) with a p-value of < significance of 0.05 so that this study is very interesting to analyze what is the impact of this. The results of the study show that there is a good and significant impact on workers at the BPJS Jakarta Branch office It is recommended that other researchers make adjustments by taking other studies so that they can get to know things that can provide interest and motivation in working for workers in an agency.

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