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Journal of Islamic Economics and Finance Studies
Published by Universitas Pembangunan Nasional Veteran Jakarta
ISSN : 27236730     EISSN : 27236749     DOI : -
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Journal of Islamic Economics and Finance Studies (JIEFeS) is a peer-reviewed journal published twice a year, in June and December by the Faculty of Economics and Business, Universitas Pembangunan Nasional Veteran Jakarta, Indonesia. The journal accepts scientific articles in the form of research results and theoretical or conceptual papers, written in standard Indonesian or English. JIEFeS particularly focuses on the main issues and studies in Islamic Economics and Finance areas. It covers Islamic Economics, Islamic Banking and Finance, Islamic Microfinance, Islamic Philanthropy (Zakah and Waqf), and Halal Economy.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 93 Documents
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Macroeconomic Variables and the Indonesian Sharia Stock Index Sudarsono, Heri; Latifatunnisa
Journal of Islamic Economics and Finance Studies Vol 5 No 2 (2024): JIEFeS, December 2024
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v5i2.7765

Abstract

Macroeconomic development significantly impacts the movement of the Indonesian Shariah Stock Index (ISSI). This study analyzes the effects of five macroeconomic variables, namely exchange rate (ER), inflation (INF), BI Rate (BIRATE), oil price (OP), and money supply (MS) on ISSI using quantitative data from January 2015 to December 2022 and the Vector Error Correction Model (VECM) framework. The analysis revealed that in the short term, ER, INF, BIRATE, OP, and MS did not significantly affect ISSI. However, in the long-term, ER, BIRATE, OP, and MS significantly impact ISSI, whereas INF remains insignificant. Among these variables, ER and MS had the most substantial influence on ISSI. These findings underscore the importance of macroeconomic stability in shaping ISSI's long-term performance, providing valuable insights for policymakers and investors aiming to navigate the dynamic relationship between macroeconomic factors and Islamic financial markets. Maintaining macroeconomic stability is essential for supporting the growth and resilience of the Islamic financial market. Policymakers should focus on effectively managing exchange rates and money supply while fostering a stable economic environment to enhance ISSI performance.
The Influence of Profit-Sharing Rate, Financing, Company Size, and Good Corporate Governance (GCG) on Deposit Growth in Islamic Banks in the Asian Region Khusnia, Chinta; Wardana, Guntur Kusuma
Journal of Islamic Economics and Finance Studies Vol 5 No 2 (2024): JIEFeS, December 2024
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v5i2.7807

Abstract

The turmoil experienced after the start of the COVID-19 pandemic, the striking significant development is the growth of a fast and sustainable bank deposit. Total deposits in Sharia banks have increased by more than 35% since 2019, reaching about US$ 18 trillion in the fourth quarter of 2021. Thus, the growth of deposits will increase the improvement required to achieve the growth of deposits. This analysis uses the application the Program of Eviews 10 and the analysis using the data panel regression method. This analysis aims to determine the effect of profit sharing, financing, corporate size, and good corporate governance (GCG) on the growth of deposits in Sharia banks in Asia. The results of the analysis displayed that partially, the profit sharing has no impact on the growth of deposits, financing has an impression on the growth of deposits, the size of the company affects the growth of deposits, GCG influences the growth of deposits and overall the rate of profit sharing, financing, size of the company and GCG is a positive peer influence on the growth of deposits.   Gejolak yang dialami pasca dimulainya pandemi COVID-19, perkembangan signifikan yang mencolok adalah pertumbuhan deposito bank yang cepat dan berkelanjutan. Total deposito pada perbankan syariah mengalami peningkatan lebih dari 35% sejak tahun 2019 dan mencapai angka sekitar US$18 triliun pada kuartal keempat tahun 2021. Dengan demikian pertumbuhan deposito akan mengalami peningkatan sehingga diperluka variabilitas yang mempengaruhi pertumbuhan deposito. Tujuan dari penelitian ini adalah untuk mengetahui dampak pengaruh tingkat bagi hasil, pembiayaan, ukuran perusahaan dan good corporate governance (GCG) terhadap pertumbuhan deposito pada perbankan syariah di wilayah Asia dengan total 20 sampel perbankan syariah.  Dengan meningkatnya pertumbuhan deposito maka akan berdampak positif pada likuiditas bank serta meningkatkan kepercayaan masyarakat. Analisis ini menggunakan bantuan aplikasi program Eviews 10 dan metode analisis regresi data panel. Hasil studi menunjukkan bahwa, secara parsial tingkat bagi hasil tidak terdapat pengaruh pada pertumbuhan deposito, pembiayaan memiliki pengaruh terhadap pertumbuhan deposito, ukuran perusahaan berpengaruh terhadap pertumbuhan deposito,  GCG terdapat pengaruh terhadap pertumbuhan deposito dan secara keseluruhan  tingkat bagi hasil, pembiayaan, ukuran perusahaan dan GCG bepengaruh positif terhadap pertumbuhan deposito.
Sharia Financial Literacy and Good Corporate Governance for Generation Z: Study in Sharia Banks in Indonesia Lutfillah, Novrida Qudsi Lutfillah; Yeni Agustin Novitasari; Atik Andhayani
Journal of Islamic Economics and Finance Studies Vol 5 No 2 (2024): JIEFeS, December 2024
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v5i2.8004

Abstract

The challenge faced by Sharia banks in attracting Generation Z as their primary customers lies in the limited awareness of the impact of Sharia financial literacy and Good Corporate Governance (GCG) practices on saving decisions. This gap hinders the ability of Sharia banks to effectively position themselves as trusted institutions for this demographic. This study aims to investigate the relationship between Sharia financial literacy and GCG practices on saving decisions among Generation Z in Malang City. Using multiple linear regression analysis, the research reveals that increased Sharia financial literacy and effective GCG practices positively influence saving decisions by fostering trust and customer satisfaction with Sharia banks’ adherence to Sharia principles. These findings emphasize the need for Sharia banks and regulators to actively promote financial literacy and enforce strong GCG practices to enhance their competitiveness among Generation Z.   Tantangan yang dihadapi bank syariah dalam menarik Generasi Z sebagai nasabah utamanya terletak pada terbatasnya kesadaran akan dampak literasi keuangan syariah dan praktik Good Corporate Governance (GCG) terhadap keputusan menabung. Kesenjangan ini menghambat kemampuan bank syariah untuk secara efektif memposisikan diri sebagai lembaga terpercaya bagi Generasi Z. Penelitian ini bertujuan untuk mengetahui hubungan literasi keuangan syariah dan praktik GCG terhadap keputusan menabung pada Generasi Z di Kota Malang. Dengan menggunakan analisis regresi linier berganda, penelitian ini mengungkapkan bahwa peningkatan literasi keuangan syariah dan praktik GCG yang efektif berpengaruh positif terhadap keputusan menabung dengan menumbuhkan kepercayaan dan kepuasan nasabah terhadap kepatuhan bank syariah terhadap prinsip-prinsip syariah. Temuan ini menekankan perlunya bank syariah dan regulator untuk secara aktif mempromosikan literasi keuangan dan menegakkan praktik GCG yang kuat untuk meningkatkan daya saing bank syariah di kalangan Generasi Z.
Role of Institutional Zakat Management of Bangladesh in Recipients’ Income Generation Md. Muhibur Rahman
Journal of Islamic Economics and Finance Studies Vol 5 No 2 (2024): JIEFeS, December 2024
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v5i2.8193

Abstract

The majority of Muslims in Bangladesh distribute zakat individually. Zakat management is conducted in both the public and private sectors. However, there is a significant lack of inclination towards making zakat payments via organizations. This research aims to investigate the role of zakat in generating money via institutional management. This study used a mixed-method approach, including qualitative and quantitative data. A systematic questionnaire survey was conducted on 200 people who received zakat, representing both the institutional and non-institutional sectors. The findings of this research suggest that those who received zakat via institutions had a greater capacity to generate money than those who got zakat through informal means. Several zakat management institutions are helping zakat recipients increase their income by supplying them with income-generating items and a significant quantity of zakat funds. It may be inferred that the proper implementation of institutional zakat management has the potential to enhance the income growth rate of zakat recipients in Bangladesh.
The Role of Macroeconomic Indicators and National Zakat Index in Advancing the Islamic Human Development Index (I-HDI): A Case Study of Districts and Cities in Banten Province Pardiansyah, Elif; Ainun Najib, Mohamad
Journal of Islamic Economics and Finance Studies Vol 5 No 2 (2024): JIEFeS, December 2024
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v5i2.8980

Abstract

This study examines the impact of macroeconomic indicators and the National Zakat Index (IZN) on the Islamic Human Development Index (I-HDI) at the district and city level in Banten Province. While the conventional Human Development Index (HDI) by the UNDP is widely accepted, its lack of alignment with Islamic principles makes it less suitable for assessing development in Muslim-majority areas. This research is original in integrating macroeconomic factors and zakat within an Islamic development framework. The primary purpose is to assess how economic growth, unemployment, poverty, and the National Zakat Index influence I-HDI. A quantitative approach using Ordinary Least Squares (OLS) and multiple regression analysis was applied. The findings reveal that economic growth has a positive and significant effect on I-HDI, highlighting its role in human development. Unemployment, although negatively correlated with I-HDI, does not have a significant impact, suggesting limited immediate effects. Poverty significantly impacts I-HDI, emphasizing the need for focused poverty alleviation efforts. While the National Zakat Index is positively correlated with I-HDI, its effect is not statistically significant, indicating that zakat optimization requires further attention. These results stress the importance of targeted policies to reduce poverty, stimulate economic growth, and enhance zakat distribution. Policymakers should work to improve the effectiveness of zakat and integrate it into broader economic and social strategies to improve I-HDI in the Islamic context.   Penelitian ini menguji dampak indikator ekonomi makro dan Indeks Zakat Nasional (IZN) terhadap Islamic Human Development Index (I-HDI) di tingkat kabupaten dan kota di Provinsi Banten. Meskipun Indeks Pembangunan Manusia (IPM) konvensional oleh UNDP telah diterima secara luas, kurangnya keselarasan dengan prinsip-prinsip Islam membuatnya kurang cocok untuk menilai pembangunan di daerah mayoritas Muslim. Penelitian ini merupakan penelitian orisinil yang mengintegrasikan faktor ekonomi makro dan zakat dalam kerangka pembangunan Islam. Tujuan utamanya adalah untuk menilai bagaimana pertumbuhan ekonomi, pengangguran, kemiskinan, dan Indeks Zakat Nasional mempengaruhi I-HDI. Pendekatan kuantitatif menggunakan Ordinary Least Squares (OLS) dan analisis regresi berganda. Temuan menunjukkan bahwa pertumbuhan ekonomi memiliki pengaruh positif dan signifikan terhadap I-HDI, menyoroti perannya dalam pembangunan manusia. Pengangguran, meskipun berkorelasi negatif dengan I-HDI, tidak memiliki dampak yang signifikan, yang menunjukkan efek langsung yang terbatas. Kemiskinan berdampak signifikan terhadap I-HDI, menekankan perlunya upaya pengentasan kemiskinan yang terfokus. Meskipun Indeks Zakat Nasional berkorelasi positif dengan I-HDI, dampaknya tidak signifikan secara statistik, yang menunjukkan bahwa optimalisasi zakat memerlukan perhatian lebih lanjut. Hasil ini menekankan pentingnya kebijakan yang tepat sasaran untuk mengurangi kemiskinan, merangsang pertumbuhan ekonomi, dan meningkatkan distribusi zakat. Para pembuat kebijakan harus berupaya meningkatkan efektivitas zakat dan mengintegrasikannya ke dalam strategi ekonomi dan sosial yang lebih luas untuk meningkatkan I-HDI dalam konteks Islam.
The Impact of Islamic Banking on Redistribution of Sustainable Income Yusuf, Jamiu Adeniyi; Mumini Oladapo, Rauf; Ismail, Ayuba Aderole; Tunde, Muhammed Azeem
Journal of Islamic Economics and Finance Studies Vol 5 No 2 (2024): JIEFeS, December 2024
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v5i2.9194

Abstract

Islamic banking operates within a framework guided by Shariah principles, emphasizing fairness, equity, and social justice. Unlike conventional banking systems that rely on interest-based transactions, Islamic banking prohibits riba (interest) and promotes profit-and-loss sharing. However, income inequality remains a persistent challenge in many Muslim-majority countries, raising questions about how Islamic banking can contribute to sustainable income redistribution. This study employs primary data collected from 400 respondents across four countries where Islamic banking operates: Saudi Arabia, Malaysia, Indonesia, and Nigeria, with 100 participants sampled per country. Data were gathered using structured interviews and analyzed using qualitative and quantitative approaches, supported by a review of literature and case studies. The findings reveal that Islamic banking significantly contributes to wealth redistribution and economic justice through instruments such as zakat, waqf (endowments), and profit-sharing models. The research concludes that Islamic banking is not only a viable alternative to conventional systems but also an essential mechanism for achieving sustainable income redistribution. These findings have significant implications for policymakers, financial institutions, and communities seeking to address income inequality and foster a more equitable economic system.
Determinants of Banten Young People's Intention to Pay Waqf Through Digital Platforms Najib, Mohamad Ainun; Sujatna, Yayat
Journal of Islamic Economics and Finance Studies Vol 5 No 2 (2024): JIEFeS, December 2024
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v5i2.9295

Abstract

The potential for cash waqf in Banten reaches IDR 55 billion per month or IDR 667.2 billion per year, but the realization is still far from expectations. One of the factors is related to the low literacy of the community, especially generation Y and Z about waqf. In a survey conducted by the Indonesian Waqf Board, the waqf literacy index score of Banten province in 2020 was 45.47 and the Waqf Basic Understanding Index Score was 50.88, this figure is in the low category. This study aims to determine the factors that influence the intention of Banten young people to donate through digital platforms, by adopting the concept of the Theory of Planned Behavior (TPB) which consists of subjective norms, perceived behavioral control, behavioral attitudes plus reliability and their influence on the intention to donate. This study uses an associative quantitative approach, the analysis was carried out using Structural Equation Modeling (SEM) with the SmartPLS application tool to test seven hypotheses of the relationship between variables in the model. Respondents, as many as 124 people were selected through a purposive sampling technique to get Muslim respondents interested in waqf through digital platforms. The results showed that subjective norms do not have a positive effect on behavioral intentions, perceived behavioral control has a positive and significant effect on behavior intention, religiosity has a significant positive effect on behavioral intention, attitude has a significant positive effect on behavioral intention. This study implies the need to improve their understanding through more intensive education and counseling, and the use of digital platforms that can facilitate access, transparency, and trust, developing and promoting digital platforms that are easily accessible, user-friendly, and secure. a more personalized approach in waqf campaigns, which emphasizes the religious aspects and direct benefits of waqf itself, to encourage waqf intentions.   Potensi wakaf uang tunai di Banten mencapai Rp55 miliar per bulan atau Rp. 667,2 miliar per tahun, tetapi pada realisasinya masih jauh dari harapan. Salah satu faktornya terkait literasi masyarakat khususnya generasi Y dan Z tentang wakaf masih rendah, Dalam survey yang dilaksanakan Badan Wakaf Indonesia skor indeks literasi wakaf provinsi Banten pada Tahun 2020 diangka 45,47 dan Skor Indeks Pemahaman Dasar Wakaf mendapatkan angka 50.88, angka tersebut masuk dalam kategori rendah. Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi niat anak muda Banten untuk berwakaf melalui platform digital, dengan mengadopsi konsep Theory of Planned Behavior (TPB) yang terdiri dari norma subyektif, kontrol perilaku yang dipersepsikan, sikap perilaku ditambah dengan keandalan dan pengaruhnya terhadap niat berdonasi. Penelitian ini menggunakan pendekatan kuantitatif asosiatif, analisis dilakukan dengan menggunakan Structural Equation Modeling (SEM) dengan alat bantu aplikasi SmartPLS untuk menguji tujuh hipotesis hubungan antar variabel dalam model. Responden sebanyak 124 orang dipilih melalui teknik purposive sampling untuk mendapatkan responden muslim yang tertarik berwakaf melalui platform digital. Hasil penelitian menunjukkan bahwa norma subjektif tidak berpengaruh terhadap niat berperilaku, kontrol perilaku yang dipersepsikan berpengaruh terhadap niat berperilaku, religiusitas berpengaruh terhadap sikap niat berperilaku, sikap berpengaruh positif signifikan terhadap niat perilaku. Penelitian ini mengimplikasikan perlu meningkatkan pemahaman mereka melalui pendidikan dan penyuluhan yang lebih intensif,  dan penggunakan platform digitalyang bisa mempermudah akses, transparansi, dan kepercayaan, mengembangkan dan mempromosikan platform-platform digital yang mudah diakses, user-friendly, dan aman. pendekatan yang lebih personal dalam kampanye wakaf, yang mengedepankan aspek religiusitas dan manfaat langsung dari wakaf itu sendiri, untuk mendorong niat berwakaf.
Determinants of Halal Tourism of Setu Babakan Jakarta Based on Global Muslim Travel Index and Importance Performance Analysis Handayani, Tati; Sufyati HS; Purwanto Widodo; Pusporini; Anggi Angga Resti
Journal of Islamic Economics and Finance Studies Vol 5 No 2 (2024): JIEFeS, December 2024
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v5i2.9555

Abstract

Setu Babakan Betawi Cultural Village (PBB) is a betawi-nuanced tourist area developed by the local government of Jakarta and is planned to become a halal tourist destination. This study aims to determine whether the UN Setu Babakan tourist destination implemented Sharia principles as criteria set by the Global Muslim Travel Index (GMTI). To ensure that the analysis results are valid and credible and can be applied by the management of PBB Setu Babakan, research was conducted using primary data with Importance Performance Analysis (IPA). The respondents were tourists at the UN Setu Babakan, Muslim, and over 17 years of age.  The sample consisted of 130 respondents, most of whom were under 20 years of age, high school, and student education. The results showed that according to respondents, services that need to be improved are hotels, SPAs, saunas and massages, travel bureaus and tour guides, many of which are not halal certified, so tourists hesitate to use these services.  These findings are expected to facilitate managers and local governments to develop the right strategy so that visitors to Setu Babakan increase by improving facilities that are lacking.   Perkampungan Budaya Betawi (PBB) Setu Babakan merupakan daerah wisata bernuansa Betawi yang dikembangkan oleh pemerintah daerah Jakarta, yang direncanakan akan menjadi destinasi wisata halal.  Penelitian ini bertujuan untuk mengetahui apakah destinasi wisata PBB Setu Babakan telah benar-benar menerapkan prinsip-prinsip syariah sebagaimana kriteria yang ditetapkan oleh Global Muslim Travel Index (GMTI). Untuk itu menjamin hasil analisis valid, kredibel dan dapat diterapkan oleh fihak manajemen PBB Setu Babakan maka dilakukan penelitian dengan menggunakan data primer, dengan analisis IPA (Importance Performance Analysis). Responden yang diambil adalah wisatawan di PBB Setu Babakan dan beragama Islam dan usia diatas 17 tahun. Sampel terkumpul sebanyak 130 responden, sebagian besar berusia dibawah 20 tahun, pendidikan high school dan student. Hasil penelitian menunjukkan bahwa menurut responden layanan yang perlu diperbaiki adalah hotel, SPA, sauna dan massage, travel bureau dan tour guide banyak yang belum tersertifikasi halal, sehingga wisatawan ragu-ragu untuk menggunakan layanan tersebut. Temuan ini diharapkan dapat memfasilitasi pengelola dan pemerintah setempat untuk membuat strategi yang tepat agar pengunjung setu babakan meningkat dengan memperbaiki fasilitas yang kurang.
Analysis of Sharia Commercial Banks in the Review of Maqashid Sharia with an Islamicity Performance Index Approach Priyatno, Prima Dwi; Maulana, Agus; Darmastuti, Dewi
Journal of Islamic Economics and Finance Studies Vol 5 No 2 (2024): JIEFeS, December 2024
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v5i2.9643

Abstract

The development of Islamic banking continues to increase, growth in terms of assets and finance can also be said to be growing positively, but unfortunately the assessment or measurement of Islamic banking performance still uses the same instruments as conventional banking, even though Islamic banking has its own characteristics and principles. Therefore, the purpose of this study is to analyze the performance of Islamic banking with measurement instruments in accordance with the sharia maqashid method, measurement focuses on the benefits, namely the maintenance of religion, the maintenance of the soul, the maintenance of the offspring, the maintenance of the intellect, and the maintenance of the offspring. The method in this study uses a descriptive quantitative method with the Islamicity Performance Index model, the data used is secondary data from the financial statements of Islamic commercial banks in Indonesia. An analysis of various performance ratios of Islamic banks in Indonesia shows that PT. Bank Syariah Bukopin and PT. Bank Syariah Indonesia, Tbk stand out with high profit-sharing and zakat ratios, demonstrating a strong commitment to justice and fair distribution in line with syariah principles. PT. BPD West Nusa Tenggara Syariah excels in the Islamic Income Ratio, reflecting fully halal income. However, some banks, such as PT. Bank Tabungan Pensiunan Nasional Sharia, Tbk, and PT. Bank Aceh Syariah, display lower ratios in certain metrics, indicating the need for improvement in zakat distribution and halal income generation. Overall, this analysis underscores the importance of Islamic banks continually enhancing their adherence to syariah principles to achieve social justice and economic welfare in accordance with maqashid syariah.   Perkembangan perbankan syariah dari sisi aset dan keuangan tumbuh positif, namun sayangnya penilaian atau pengukuran kinerja perbankan syariah masih menggunakan instrumen yang sama dengan perbankan konvensional, padahal perbankan syariah memiliki karakteristik dan prinsip tersendiri. Tujuan penelitian ini adalah untuk menganalisis kinerja perbankan syariah dengan instrumen pengukuran sesuai dengan metode maqashid syariah, pengukuran berfokus pada kemaslahatannya, yaitu pemeliharaan agama, pemeliharaan jiwa, pemeliharaan keturunan, pemeliharaan kecerdasan, dan pemeliharaan keturunan. Metode dalam penelitian ini menggunakan metode kuantitatif deskriptif dengan model Indeks Kinerja Islamicity, data yang digunakan adalah data sekunder dari laporan keuangan bank umum syariah di Indonesia. Analisis terhadap berbagai rasio kinerja bank syariah di Indonesia menunjukkan bahwa PT. Bank Syariah Bukopin dan PT. Bank Syariah Indonesia, Tbk menonjol dengan rasio bagi hasil dan zakat yang tinggi, menunjukkan komitmen yang kuat terhadap keadilan dan penyaluran yang adil sejalan dengan prinsip syariah. BPD Nusa Tenggara Syariah Barat unggul dalam Rasio Pendapatan Islam, yang mencerminkan pendapatan halal sepenuhnya. Namun, beberapa bank, seperti PT. Bank Tabungan Pensiunan Nasional Syariah, Tbk, dan PT. Bank Aceh Syariah, menunjukkan rasio yang lebih rendah dalam metrik tertentu, menunjukkan perlunya perbaikan penyaluran zakat dan menghasilkan pendapatan halal. Secara keseluruhan, analisis ini menggarisbawahi pentingnya bank syariah terus meningkatkan kepatuhan mereka terhadap prinsip-prinsip syariah untuk mencapai keadilan sosial dan kesejahteraan ekonomi sesuai dengan maqashid syariah.
Empowerment of Community Creative Economy Through the Islamic Education Assembly (Majelis Taklim) Susanti , Handayani Indah
Journal of Islamic Economics and Finance Studies Vol 5 No 2 (2024): JIEFeS, December 2024
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v5i2.10159

Abstract

The activities of the Islamic Education Assembly require intervention in the form of empowerment through the strengthening of productive socio-economic capacities. In addition to focusing on its main activities in Islamic studies, the Islamic Education Assembly also organizes creative economic activities conducted by its members. However, these activities face challenges such as limited connections with external communities, dependency on others, and inadequate facilities and infrastructure that affect the effectiveness of community-based economic empowerment. This study aims to uncover the patterns and strategies of community economic empowerment used by the Islamic Education Assembly administrators and facilitators, as well as to identify the supporting and inhibiting factors in the empowerment process. The research adopts a qualitative approach, utilizing fieldwork through interviews, observations, and document analysis. The findings reveal that the empowerment process is carried out through a bottom-up approach based on the community's own initiatives. The Mezzo-Level Strategy was effectively implemented, focusing on empowering groups through education and training. Supporting factors include (a) high community participation, (b) loyalty of the congregation and community, (c) demands from congregants and members for training, (d) strategic location, and (e) flexible timing. Conversely, the key inhibiting factors are (a) limited connections with external communities, (b) dependency on others, and (c) inadequate facilities and infrastructure. These findings suggest that fostering community participation, strengthening institutional systems, and reducing dependency are critical for achieving sustainable community empowerment. The study highlights the potential of the Islamic Education Assembly to drive socio-economic development through creative economic activities tailored to local needs, provided the challenges are addressed strategically.   Kegiatan Majelis Taklim membutuhkan intervensi dalam bentuk pemberdayaan melalui penguatan kapasitas sosial ekonomi produktif. Selain fokus pada kegiatan utama dalam kajian keislaman, Majelis Taklim juga mengadakan kegiatan ekonomi kreatif yang dilakukan oleh para anggotanya. Namun, kegiatan ini menghadapi tantangan berupa kurangnya koneksi dengan komunitas luar, ketergantungan terhadap pihak lain, dan keterbatasan fasilitas serta prasarana yang memengaruhi efektivitas pemberdayaan ekonomi berbasis komunitas. Penelitian ini bertujuan untuk mengungkap pola dan strategi pemberdayaan ekonomi masyarakat yang digunakan oleh pengurus Majelis Taklim dan pemberdaya serta menemukan faktor pendukung dan penghambat dalam proses pemberdayaan tersebut. Metode penelitian menggunakan pendekatan kualitatif dengan penelitian lapangan melalui wawancara, observasi, dan analisis dokumen. Hasil penelitian menunjukkan bahwa proses pemberdayaan dilakukan dengan pendekatan bottom-up yang didasarkan pada inisiatif masyarakat sendiri. Strategi pemberdayaan yang diterapkan menggunakan Strategi Aras Mezzo, yang berfokus pada pemberdayaan kelompok melalui pendidikan dan pelatihan. Faktor pendukung meliputi (a) tingginya partisipasi masyarakat, (b) loyalitas jamaah dan komunitas, (c) permintaan pelatihan dari jamaah dan anggota, (d) lokasi strategis, dan (e) waktu yang fleksibel. Sebaliknya, faktor penghambat utama adalah (a) keterbatasan koneksi dengan komunitas eksternal, (b) ketergantungan pada pihak lain, dan (c) fasilitas serta infrastruktur yang tidak memadai. Hasil Temuan dari penelitian ini menunjukkan bahwa meningkatkan partisipasi masyarakat, memperkuat sistem kelembagaan, dan mengurangi ketergantungan merupakan langkah penting untuk mencapai pemberdayaan masyarakat yang berkelanjutan. Penelitian ini menyoroti potensi Majelis Taklim dalam mendorong pengembangan sosial-ekonomi melalui kegiatan ekonomi kreatif yang disesuaikan dengan kebutuhan lokal, asalkan tantangan-tantangan tersebut dapat diatasi secara strategis.

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