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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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Analisis Tingkat Pendidikan dan Pemanfaatan Digitalisasi Terhadap Penerapan Manajemen Keuangan Syariah pada UMKM di Kecamatan Ciamis Nurjannah, Lastri Apriani
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 7 No 2 (2023): Vol.7 No.2 Desember 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v7i2.7470

Abstract

Financial management is very necessary for MSMEs as an effort to control assets or funds and carry out financial planning to increase profitability. This study aims to determine the relationship between the Education Level and the use of digitalization on Islamic financial management for MSME actors in Ciamis District. The method used in this study is a quantitative method using primary data through questionnaires on MSME actors. Research sample with a total of 100 respondents. This research method uses multiple linear regression method. The results showed that the level of education and the use of digitalization have a positive and significant relationship with Islamic financial management, the use of digitalization has a significant positive relationship with Islamic financial management for MSME players in Ciamis District. This shows that the higher the level of education and the use of digitalization of MSME actors in Ciamis District, the more the application of Islamic financial management for MSME actors in Ciamis District will increase
Analysis of Factors Affecting Poverty Levels in Eastern Aceh District Alfian; Iskandar Budiman; Haris Munandar
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.v8i1.7490

Abstract

Creating a more decent life in realizing prosperity for the Indonesian people is one of the goals of national development. However, the level of poverty is a serious problem in achieving a level of prosperity in Indonesia. This research aims to determine the influence of economic growth, unemployment, education, human development index, labor force participation level on poverty in East Aceh Regency. The research method used is quantitative research, the data used is secondary data. The research results show that the coefficient value for the economic growth variable is positive at 0.3334. The coefficient value for the unemployment variable is negative at (-0.0913). The coefficient value for the education variable is positive at 0.1722. The coefficient value for the human development index variable is negative at (-0.7112). The coefficient value for the labor force participation rate variable is positive at 0.02021.
Maximizing Strategy: Examining the Key Factors that Shape Customer Satisfaction Through the Use of QRIS Features in the BSI Mobile App Sari, Nurma; Dhiya Alifa
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.v8i1.7590

Abstract

The purpose of this study is to analyze the influence of knowledge, convenience, and security on customer satisfaction with feature users Quick Response Code Indonesian Standard (QRIS) on the BSI application Mobile. The sample in this study amounted to 100 respondents obtained through the technique purposive sampling. The data used in this study are primary data and secondary data. Primary data was obtained from distributing questionnaires to respondents and secondary data from library research. The analysis used is Multiple Linear Regression. The results showed that partially the knowledge, convenience, and security variables had a significant effect on customer satisfaction using the BSI QRIS feature Mobile. Simultaneously, the knowledge, convenience, and security variables affect customer satisfaction using the BSI QRIS feature Mobile. Therefore, to increase customer satisfaction, service providers can improve functions and provide outreach to customers to maintain customer satisfaction.
Pengembangan Waqaf Temporer Bagi Pembangunan Ekonomi Umat: Suatu Kajian Penerapannya di Turki dan Indonesia Hamdiah, Hamdiah; Husni Mubarrak; Iskandar Iskandar; Badrul Munir
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.v8i1.8165

Abstract

This article would like to discuss the issue of contemporary waqf (Islamic endowment) practices in the Islamic world today for the ummah economic empowerment and development by choosing Turkey and Indonesia as the focus of study. Among the contemporary issues of waqf that is attracting attention to be studied further regarding the Muslim community is the acceptance of its temporary waqf implementation, shifting from previous definition of waqf as almsgiving intended for a perpetual purpose. The selection of both countries is based on the large Muslim population, as well as representing different schools of thought (Indonesia with the Shafi'i school and Turkey with the Hanafi school). By using literature studies and interview with competent parties in the field of waqf purposively as the research method which are then analyzed synthetically, this article concludes that the existence of temporary waqf will develop in the future, as found in Turkey and in Indonesia, one of the reasons is for benefit, as well as the efficiency of the right to use the assets donated.
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

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