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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 226 Documents
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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.
Mapping Research on Securities Crowdfunding Sharia in Financing MSMEs: A Biblioshiny Approach Arifatul Choiriyah
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 9 No 1 (2025): Ihtiyath : Jurnal Manajemen Keuangan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v9i1.9712

Abstract

Securities Crowdfunding Syariah (SCF) adalah alat keuangan baru yang menyediakan pembiayaan inklusif bagi Usaha Mikro, Kecil, dan Menengah (UMKM). Studi scientometrik ini menganalisis tren publikasi SCF Syariah dengan menggunakan jurnal-jurnal yang memiliki pengenal objek digital yang terdaftar di Dimension. Melalui pendekatan kualitatif dan analisis deskriptif, studi ini memeriksa tren kata kunci, penulis, dan jurnal dalam 37 publikasi dari Dimension, yang terakhir diperbarui pada 13 Oktober 2024. Alat R Biblioshiny dan VosViewer digunakan untuk memetakan tren scientometrik. Temuan menunjukkan bahwa meskipun jumlah artikel terbaru tentang topik ini masih terbatas, Journal of Science and Technology Policy Management menjadi jurnal paling berpengaruh dengan berbagai kata kunci dan penulis yang beragam. Studi ini menawarkan wawasan tentang tren terkait kata kunci, jurnal, dan penulis yang relevan, membantu peneliti yang tertarik pada SCF. Meskipun penelitian sebelumnya telah membahas perkembangan SCF Islam di Indonesia, sedikit yang berfokus pada dampak digitalisasi terhadap akses pembiayaan UMKM. Penelitian lebih lanjut diperlukan untuk mengeksplorasi tantangan digitalisasi dalam layanan pembiayaan.
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.
Eksplorasi Potensi Pengembangan Sektor Keuangan Syariah dalam Meningkatkan Inklusi Keuangan di Padangsidimpuan Nasution, Sahara Bulan
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.v8i2.10118

Abstract

This research aims to examine the potential for developing the sharia financial sector in increasing financial inclusion in Padangsidimpuan City. The Analytic Hierarchy Process (AHP) approach was used with data obtained through surveys and in-depth interviews. The research results show that the main obstacles are limited infrastructure, low human resource competency, and the dominance of the conventional financial sector. The proposed solutions include sharia financial education, technology development, and collaboration with small businesses. This research emphasizes the importance of regulation, technological innovation, and community involvement in expanding access to sharia finance. Future research is recommended to compare the effectiveness of policies in various regions and examine the long-term impact of Islamic financial technology.
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.
Analisis Perilaku Investor dalam Pasar Saham: Pendekatan Islam untuk Meningkatkan Stabilitas Keuangan Suryani, Dewi; Umuri, Khairil; Sartiyah, Sartiyah
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 9 No 1 (2025): Ihtiyath : Jurnal Manajemen Keuangan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v9i1.10804

Abstract

This study explores the impact of investor behavior on stock market stability through the lens of Islamic principles, emphasizing justice and transparency. Employing a systematic literature review approach, the research analyzes 200 relevant articles from 2019–2023 to investigate the relationship between investor behaviors—such as speculation and gharar (uncertainty)—and market volatility. The data were derived from a comprehensive scholarly literature review, including academic journals, articles, books, and research reports. By synthesizing relevant sources, the study offers an in-depth understanding of investor behavior and the implications of Islamic perspectives on stock market stability. The findings reveal that behaviors aligned with Shariah principles, including avoiding speculation and reinforcing transparency, contribute significantly to enhancing stock market stability. Moreover, the study underscores the importance of implementing Shariah-based regulations and promoting Islamic financial literacy to support ethical investment practices. The practical implications of this research include recommendations for regulators to integrate Shariah ethical standards into market policies and encourage market participants to adopt fundamental analysis consistent with Shariah principles. Finally, the study opens avenues for future research to explore empirical applications in specific stock markets and their impact on sustainable economic policies.
Pengaruh Gross Profit Margin, Net Profit Margin, Debt to Asset Rasio, Debt to Equity Ratio Terhadap Dividend Payout Rasio Pada Perusahaan Yang Terdaftar Di Indeks IDXHIDIV20 salma, Salma selpiana; Ulya Iffatul Masyfi'ah; Bintis Ti'anatud Diniati; Rama Wahyu Sampurno
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 9 No 1 (2025): Ihtiyath : Jurnal Manajemen Keuangan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v9i1.11353

Abstract

Penelitian ini bertujuan untuk mempengaruhi rasio keuangan seperti margin laba kotor (GPM), margin laba bersih (NPM), utang ke alokasi aset (DRM), dan kuota utang-ke-aset dividen (DVR) (DRM) sebagaimana tercantum dalam indeks IDXHIDIV20 berdasarkan data keuangan (DVR). Hasil analisis menunjukkan bahwa variabel GPM dan NPM memiliki efek yang signifikan pada DPR, dengan koefisien positif untuk GPM dan koefisien negatif untuk NPM, tetapi itu tidak menunjukkan efek yang signifikan. Bersama -sama, tiga variabel independen (GPM, NPM, DAR) berkontribusi sekitar 67% untuk DVR. Ini ditingkatkan oleh hasil tes F dan R² dan menunjukkan efek signifikan yang signifikan. Temuan ini memberi investor dan bisnis pemahaman penting tentang pedoman dividen dan keputusan manajemen keuangan.
Dampak Perubahan Indeks Saham Syariah Global Terhadap Indeks Saham Syariah Indonesia Ritonga, Nailan; Muhammad Hafizh
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 9 No 1 (2025): Ihtiyath : Jurnal Manajemen Keuangan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v9i1.11571

Abstract

Global capital markets, including Islamic stock markets, are directly affected by the global uncertainty caused by the pandemic, high inflation, and economic turmoil in major countries. The purpose of this study is to evaluate the impact of changes in three global Islamic stock indices: Dow Jones Islamic Market Malaysia Titans 25 Index (DJIMY25), Dow Jones Islamic Market Japan Index (DJIJP), and Dow Jones Islamic Market Europe Index (DJIEU) over the period 2020-2024. The relationship between short- and long-term variables is evaluated through a quantitative approach with monthly time series data. In addition, the Vector Error Correction Model (VECM) method is also used. The results show that DJIMY25 has a significant influence on ISSI in both the short and long term, while DJIJP has a significant influence only in the short term. DJIEU, on the other hand, has no significant influence. Compared to other global indices, the influence of regional indices especially Malaysia on the ISSI is greater. This study not only provides theoretical contributions to the field of Islamic finance, but also provides practical advice for investors, regulators, and Islamic capital market players in Indonesia.
Analisis Tingkat Kesehatan Bank Syariah Dengan Metode RGEC (Risk Profile, Good Corporate Governance, Earning, dan Capital) (Studi Kasus Pada PT. Bank Nagari Syariah dan PT. Bank Aceh syariah Periode 2019-2023) Alfaqih, Luqman
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 9 No 2 (2025): Ihtiyath : Jurnal Manajemen Keuangan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v9i2.12192

Abstract

Penelitian ini menganalisis dan membandingkan tingkat kesehatan dua bank syariah di Indonesia—PT. Bank Nagari Syariah dan PT. Bank Aceh Syariah—dengan menggunakan metode RGEC yang mencakup Risk Profile, Good Corporate Governance (GCG), Earnings, dan Capital. Penelitian ini dilatarbelakangi oleh pentingnya mengevaluasi kinerja dan kesehatan bank syariah sebagai lembaga yang mengelola dana publik dan mendukung pertumbuhan ekonomi daerah. Periode penelitian mencakup tahun 2019 hingga 2023 dengan pendekatan kuantitatif komparatif, menggunakan data sekunder dari laporan keuangan dan laporan GCG kedua bank. Beberapa rasio keuangan seperti NPF, FDR, ROA, ROE, NOM, BOPO, dan CAR digunakan untuk merepresentasikan setiap komponen RGEC. Data dianalisis untuk mengetahui apakah terdapat perbedaan signifikan secara statistik dalam tingkat kesehatan kedua bank. Hasil penelitian menunjukkan adanya perbedaan signifikan pada aspek Risk Profile, Earnings, dan Capital, namun tidak pada aspek GCG. Temuan ini memberikan wawasan penting bagi manajemen bank, regulator, dan pemangku kepentingan untuk memperkuat kinerja keuangan dan tata kelola di perbankan syariah.

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