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Perbanas Journal of Islamic Economics and Business
Published by Institut Keuangan-Perbankan dan Informatika Asia Perbanas
ISSN : -     EISSN : 28071506     DOI : https://doi.org/10.56174/pjieb.v2i1.27
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
Aims The objectives of this journal are as follows: To provide a bridge between theory and practice of Islamic Economics and Business To disseminate the results and findings of research and best practice To assist and inform those responsible for the management of Islamic Economics and Business To guide the formulation, development, implementation and evaluation of Islamic Economics and Business To develop the research agenda in Islamic Economics and Business, by identifying critical research issues, and promoting research within those areas. Perbanas Journal of Islamic Economics and Business is pluralistic, publishing papers that are conceptual, quantitative-empirical, or qualitative-empirical. Scope Perbanas Journal of Islamic Economics and Business is devoted to research in all branches of Islamic Economics and Business. Specifically, the journal will deal with topics, including but not limited to: Islamic Economics Islamic Banking and Finance Islamic Business Islamic Philanthropy
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 71 Documents
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Strategies for Alleviating Poverty Through The Zakat, Infaq, and Shadaqah Collection and Management Program at Lazisnu Nganjuk Hidayat, Ahmad Agus; Hakim, Fajrul; Al Farabi, Fahmi Akhyar
Perbanas Journal of Islamic Economics and Business Vol 4 No 1 (2024): Perbanas Journal of Islamic Economics and Business
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/pjieb.v4i1.211

Abstract

The aim of this research is to understand the strategy of collecting almsgiving funds through the coin movement program at Lazisnu Nganjuk and its management for poverty alleviation. The method employed is qualitative descriptive, with data collection techniques involving observation, interviews, and documentation, followed by analysis using SWOT and triangulation. In this study, it was found that the Coin Movement Program conducted by LAZISNU Nganjuk is implemented through the Direct Fundraising method, involving visiting donors at their houses, and actively involving them in the fundraising process. Additionally, the researcher found that the management of the proceeds from the coin program is not entirely managed by LAZISNU Nganjuk. Instead, the obtained funds are distributed to various sectors, including 5% managed by the Nahdlatul Ulama Branch Board (PC), 10% managed by the Lazisnu Branch Board (PC), 15% managed by the Coin Movement at the Sub-District Level (MWC), and 70% managed at the Village Level. Furthermore, the results of managing the Coin Movement are channeled through the fields of Education, Social Economy, and Disaster Response. Undoubtedly, the impact of this program will provide solutions to alleviate poverty in the community, especially in Nganjuk region. Keywords: Collection; Management; Coin movement and poverty program
Paradigma Ekonomi Islam dan Perkembangan Ekonomi Umat di Indonesia Yulitasari, Lis; Putri, Mutiara Eka; Madnasir, Madnasir
Perbanas Journal of Islamic Economics and Business Vol 4 No 1 (2024): Perbanas Journal of Islamic Economics and Business
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/pjieb.v4i1.212

Abstract

Artikel ini membahas paradigma ekonomi Islam dan kemajuan perekonomian umat Islam. Metode penelitian yang digunakan adalah studi pustaka dari berbagai sumber seperti artikel, buku, teori, dan sumber lain yang relevan dengan topik penelitian ini. Hasil penelitian menunjukkan bahwa saat ini ekonomi Islam tengah mengalami masa keemasan dan kejayaan, yang berarti mampu bersaing dengan ekonomi konvensional. Sejak awal, ekonomi dan bisnis Islam berusaha menawarkan alternatif pemikiran dan praktik yang berbeda dengan logika neoliberalisme ekonomi. Ekonomi Islam diharapkan tidak berorientasi pada kapitalisme, sosialisme, komunisme atau sistem lain, melainkan pembangunan ekonomi berdasarkan prinsip syariah. Sistem ekonomi Islam sepenuhnya mengacu pada ajaran agama Islam yang bersumber dari wahyu yaitu Al-Quran dan Hadis. Ekonomi menjadi hal penting dalam kemajuan peradaban suatu bangsa, tidak hanya ditentukan oleh moral dan peradaban yang maju, tetapi juga sangat bergantung pada kemajuan bidang ekonominya. Beberapa hal penting yang perlu diperhatikan dalam upaya kemajuan ekonomi umat antara lain sistem ekonomi Islam, membangun semangat kewirausahaan, persatuan umat, kebijakan penguasa/pemerintah, dan penyadaran zakat serta pengelolaannya. Namun, penelitian mengenai perkembangan dan peluang terbaru dalam ekonomi Islam masih terbatas. Penelitian ini dapat dikembangkan dengan mengkaji produk keuangan inovatif yang sesuai dengan prinsip syariah serta kesiapan sumber daya manusia dalam menerapkan produk tersebut. Menganalisis kebijakan pendukung yang diperlukan dari regulator juga penting. Implikasi dari penelitian ini adalah dapat memberikan rekomendasi pengembangan ekonomi Islam khususnya di Indonesia, sehingga benar-benar dapat meningkatkan kesejahteraan umat Islam. Kata kunci: Ekonomi Islam; Perkembangan Ekonomi; Indonesia
Optimalisasi Kecukupan Modal, Efisiensi Operasional dan Risiko sebagai Kunci Peningkatan Profitabilitas di BTPN Syariah Krisyana, Gita Azzahra; Iqbal, Muhammad; Wibowo, Dradjad H
Perbanas Journal of Islamic Economics and Business Vol 4 No 2 (2024): Perbanas Journal of Islamic Economics and Business
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/pjieb.v4i2.280

Abstract

Sebagai bank yang fokus pada pember dayaan masyarakat prasejahtera dan mendorong terciptanya inklusifitas keuangan masyarakat prasejahtera, Bank BTPN Syariah harus tetap eksis dalam menjalankan keberlangsungan usahanya. Salah satu upaya yang dapat dilakukan adalah menjaga pertumbuhan profitabilitas. Penelitian ini diharapkan dapat memberikan rekomendasi upaya meningkatkan pertumbuhan profitabilitas bank syariah dengan mengidentifikasi faktor-faktor yang mempengaruhinya. Identifikasi terhadap faktor-faktor yang mempengaruhi profitabilitas, seperti: pembiayaan, kecukupan modal, risiko pembiayaan,dan efisiensi operasional diharapkan menjadi cara untuk menwujudkannya. Populasi penelitian berfokus pada kinerja keuangan BTPN Syariah dengan sampel berjumlah tiga puluh tigapengamatan yang dipilih berdasarkan teknik purposive sampling. Periode sampel kinerja keuangan BTPN Syariah dari kuartal terakhir 2014 sampai dengan kuartal terakhir 2022. Metode dokumentasi digunakan untuk menggumpulkan data sekunder yang diperoleh dari situs resmi BTPN Syariah.Regresi linier berganda (ordinary least square) dipilih sebagai metode analisis data guna mengetahui pengaruh variabel pembiayaan, kecukupan modal, risiko pembiayaan,dan efisiensi operasional terhadap profitabilitas. Hasil penelitian menyatakan bahwa faktor-faktor seperti kecukupan modal, risiko pembiayaan, dan efisiensi operasional dapat menentukan besar kecilnya profitabilitas bank syariah, sedangkan pembiayaan tidak cukup kuat dalam menentukan besar kecilnya profitabilitas. Apabila profitabilitas ingin ditingkatkan, maka BTPN Syariah harus menekan cadangan modal pada batas optimal dan mengurangi risiko pembiayaan, serta meningkatkan efisiensi operasionalnya dengan jalan memperkecil biaya operasional dan meningkatkan pendapatan operasionalnya.
Analisis Faktor-Faktor Kinerja Keuangan Terhadap Profitabilitas: Studi Kasus Perbankan Syari’ah di Indonesia Tahun 2020-2022 Bagaskara, Doni Yusuf; Rohmadi, Rohmadi
Perbanas Journal of Islamic Economics and Business Vol 4 No 1 (2024): Perbanas Journal of Islamic Economics and Business
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/pjieb.v4i1.234

Abstract

Penelitian ini bertujuan untuk mengetahui berbagai analisis faktor–faktor kinerja keuangan terhadap profitabilitas pada perbankan syari’ah di Indonesia yang berdampak pada efesiensi keuangan. Penelitian ini menggunakan metode kuantitatif, dengan objek penelitian menggunakan data sekunder yang berasal dari 5 bank syari’ah di Indonesia dengan kurun waktu tahun 2020 – 2022. Penelitian ini memakai model teknik pengumpulan sampel yakni non-probability sampling atau non-random sample. Sumber data berasal dari data dan dokumen laporan keuangan tahunan perbankan di Indonesia baik swasta dan negeri seperti Bank Syariah Indonesia, Bank Bukopin Syari'ah, BCA Syari’ah, Bank Muamalat, dan Bank BTPN pada tahun 2020 – 2022. Proses analisis menggunakan analisis regresi berganda data panel dibantu oleh SPSS 2023. Hasil penelitian ini menyatakan bahwa faktor kinerja keuangan seperti Financing to Deposit Ratio, Non Perfoming Financing, Biaya Operasional, dan Pendapatan Operasional tidak berpengaruh terhadap Rasio Profitabilitas yakni Return on Asset, sedangkan kinerja keuangan lainnya seperti Cost to Income Ratio dan Net Interest Margin berpengaruh negatif terhadap Rasio Profitabilitas yakni Return on Asset. Kata kunci: Kinerja keuangan; Rasio profitabilitas; Perbankan syari’ah
Strategi Pengembangan Human Capital Halal di Pulau Madura : Pendekatan Interpretative Structural Modeling Sugianto, Abdul Shomat; Dzikrulloh, Dzikrulloh
Perbanas Journal of Islamic Economics and Business Vol 4 No 2 (2024): Perbanas Journal of Islamic Economics and Business
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/pjieb.v4i2.281

Abstract

Human capital halal merupakan pendorong utama terhadap kemakmuran dan produktivitas ekonomi yang dapat dikembangkan melalui pendidikan, kesehatan dan infrastuktur sosial. Pulau Madura dengan mayoritas Muslim yang besar seharusnya mampu untuk memanfaatkan sumber daya manusia yang dimiliki untuk mencapai daerah yang maju. Penelitian ini berfokus pada strategi pengembangan dan menemukan aktor dalam pengembangan Human capital halal di pulau Madura. Penelitian ini mengidentifikasi 5 elemen yakni kebutuhan, kendala, tujuan pengembangan, kegiatan,dan aktor kunci serta masing-masing terdiri 7 kriteria sub elemen. Metode pada penelitian ini adalah metode kualitatif dengan pendekatan Interpretative Structural Modelling, menggunakan data sekunder yang didapat dari kajian literatur dan data primer didapat dari hasil wawancara berupa pengisian kuesioner dengan model Structural self interaction matrix oleh responden ahli di Kementerian Agama se Pulau Madura. Hasil penelitian ini digambarkan dengan kuadran dan level yang menghasilkan peningkatan infrastuktur menjadi kebutuhan, kendala yang dihadapi adalah tingkat literasi yang rendah, tercapainya kesejahteraan masyarakat dan perkembangan industri syariah menjadi tujuan pengembangan human capital halal dan kegiatan yang dilakukan berupa peningkatan kurikulum berbasis potensi daerah serta Pemerintahan Daerah menjadi aktor kunci dalam pengembangan human capital halal di pulau Madura.
Perspective of Islamic Economics: Consumptive Behavior of Online Shopping and The Paylater System Hasanuddin, Hasanuddin; Alrasyid, Harun; Malik, Abdul
Perbanas Journal of Islamic Economics and Business Vol 4 No 2 (2024): Perbanas Journal of Islamic Economics and Business
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/pjieb.v4i2.267

Abstract

Advancements in technology and the internet have influenced the consumer behavior of society, including students. This phenomenon has become more evident with the ease of online shopping and the use of the Paylaterpayment system. From the perspective of Islamic economics, this consumptive behavior raises questions about its alignment with recommended principles. This research aims to analyze the consumptive behavior of students in online shopping using the Paylater system from an Islamic economic perspective. The study also seeks to understand the impact of the ease of online shopping on consumptive behavior and how it aligns with Islamic economic principles.Most previous research has focused more on consumer behavior in general or within the context of conventional economics. There is still little research that specifically examines consumptive behavior in online shopping using the paylater system from an Islamic economic perspective, especially involving students as research subjects. The research method used is qualitative with a phenomenological approach. The research results indicate that the consumptive behavior of students in online shopping is influenced by the convenience and ease offered by the paylater system. From the perspective of Islamic economics, this behavior can be considered inappropriate as it encourages purchases not based on actual needs but rather on desires or prestige. Islam emphasizes meeting needs in a simple way and avoiding wasteful or extravagant behavior.This research has important implications for educational policies and the regulation of financial technology usage among students. There is a need for education on the importance of prudent financial management in accordance with Islamic economic principles. Additionally, the results of this study can serve as a basis for developing stricter policies related to the use of the paylater system to reduce excessive consumptive behavior.
Efektivitas Aplikasi Cinta Zakat dalam Menghimpun Dana ZIS di Baznas RI Husain, Achmad Maulana; Sari, Lili Puspita
Perbanas Journal of Islamic Economics and Business Vol 4 No 2 (2024): Perbanas Journal of Islamic Economics and Business
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/pjieb.v4i2.271

Abstract

Indonesia sebagai salah satu negara dengan agama Islam terbesar memberikan potensi Zakat, Infak, Sedekah atau ZIS yang sangat besar. Namun kenyataannya, potensi tersebut belum terealisasi secara optimal. Sebagai satu-satunya Badan Amil Zakat yang resmi didirikan Pemerintah Indonesia, Baznas Republik Indonesia atu RI terus melakukan berbagai inovasi agar pengelolaan dana ZIS di Indonesia semakin optimal. Salah satu inovasi yang dilakukan Baznas RI adalah pemanfaatan teknologi digital yang dikemas dalam bentuk aplikasi bernama Cinta Zakat. Dengan dibuatnya aplikasi ini diharapkan dapat memudahkan muzaki dalam berdonasi ke Baznas, sehingga dapat mendorong pertumbuhan penghimpunan dana ZIS. Oleh karena itu, penelitian ini bertujuan untuk mengukur efektivitas aplikasi Cinta Zakat dalam meningkatkan penghimpunan dana ZIS di Baznas RI. Metode yang digunakan dalam penelitian ini adalah kualitatif deskriptif dengan jenis penelitian studi kasus. Sumber data yang digunakan adalah data primer yang diperoleh melalui wawancara dan observasi, serta data sekunder berupa dokumentasi. Peneliti menggunakan teknik validasi dengan triangulasi, serta teknik analisis data dengan reduksi, penyajian dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa implementasi aplikasi Cinta Zakat dalam penghimpunan dana ZIS di Baznas RI cukup efektif, karena ada satu indikator yang belum terpenuhi yaitu tujuan program, sedangkan indikatornya meliputi sasaran program, sosialisasi program dan pemantauan programtelah terpenuhi. Novelty pada penelitian ini adalah mendapatkan pengukuran efektivitas pada penghimpunan dana zakat secara digital.
IKOPZ: Measuring The Health Index of Zakat, Infaq, and Sadaqah Fund Management in BAZNAS Special Region of Jakarta Province Amrullah, Muhamad Tohir; Nisa, Choirun; Pe, Cecilia Debora
Perbanas Journal of Islamic Economics and Business Vol 4 No 2 (2024): Perbanas Journal of Islamic Economics and Business
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/pjieb.v4i2.258

Abstract

This study aims to measure the accountability of the management of Zakat, Infaq, and Sadaqah funds at the DKI Jakarta Provincial National Amil Zakat Agency or BAZNAS or BAZISS pecial Region of Jakarta. The use of the Zakat Management Organization Health Index or IKOPZ, developed by the BAZNAS Center for Strategic Studies(Puskas BAZNAS) through a mixed method approach with a sequential explanatory strategy was used in this study. The test was conducted by assessing financial and management factors with a total of eighty-fiveindicators. This research shows that BAZNAS of Special Region of Jakartafrom 2020 to 2021 consecutively has a goodhealth level condition because ofgood business management. The novelty in this research is the improvement of measurement based on IKOPZ which is more comprehensive than other methods such as Zakat Core Principle, National Zakat Index, and so on. As an example, IKOPZ measures financial factors consisting of activity, operations, liquidity, and growth, while management factors are measured through an assessment of general management, risk management, and sharia compliance. The research results have practical implications to support the accountability of ZIS fund management. For other zakat management organizations, this research can be a reference to develop and strengthen organizational governance. For some similar industries such as non-profit organizations, perhaps some indicators in financial and management factors in this study can also be used as a reference.
Decoding Sentiments: Exploring Islamic Fintech Discourse on Twitter in The Post-Pandemic Haidar, Abdullah; Hendrasto, Nur; Herindar, Evania; Chairiyati, Fauziah
Perbanas Journal of Islamic Economics and Business Vol 4 No 1 (2024): Perbanas Journal of Islamic Economics and Business
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/pjieb.v4i1.244

Abstract

Twitter (later called X) users' perceptions of sharia-compliant fintech offer a revealing insight into their responses to Islamic financial innovations. Analyzing 3,231 tweets, the study found that the majority of attitudes were neutral (55,6%), followed by positive sentiments (33,3%), and negativity was the least (11,1%). This paints an intriguing picture of user reactions toward Islamic fintech. The prevalence of neutral attitudes suggests a lack of full engagement or a neutral stance among users, potentially due to limited understanding or minimal interaction with Islamic finance platforms. However, the significant positive sentiment indicates an interest and endorsement of sharia-compliant finance, seen as an ethical and aligned alternative within Islamic principles. Conversely, the emergence of negative sentiment raises concerns regarding compatibility with genuine sharia principles and the safety of its implementation. Addressing these concerns, education and transparency become crucial. A comprehensive approach involving regulation, outreach, and risk management is essential to build trust and understanding of the value sharia fintech offers in the modern financial landscape. Keywords: Fintech, Sentimen fintech syariah , Twitter, Covid-19
Determinants of Profitability in Indonesian Islamic Banks: A Study on Financing to Deposit Ratio Wahyudi, Tri; Sari Pohan, Erlina
Perbanas Journal of Islamic Economics and Business Vol 4 No 2 (2024): Perbanas Journal of Islamic Economics and Business
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/pjieb.v4i2.254

Abstract

This study investigates the impact of the Financing to Deposit Ratio on the profitability of Islamic commercial banks in Indonesia, with a specific focus on Return on Assets as the profitability metric. Despite the significant growth of Islamic banking in Indonesia, the challenge of maintaining profitability remains critical. This study uses a population of all Islamic commercial banks operating in Indonesia from 2015 to 2019, with eightbanks selected through a purposive sampling method. The analysis involved classical assumption tests including normality, multicollinearity, autocorrelation, and heteroskedasticity tests, followed by regression analysis. The results indicate that Financing to Deposit Ratio does not have a statistically significant effect on Return on Assets. These findings challenge the assumption that Financing to Deposit Ratio is a primary determinant of profitability in Islamic banks and suggest that other factors and financial indicators must be considered. The study underscores the importance of comprehensive financial management strategies and robust risk management practices. It also highlights the relevance of agency and signaling theories in improving governance and financial performance. The findings provide valuable insights for bank managers and policymakers to enhance the financial health and sustainability of Islamic commercial banks in Indonesia. Further research should explore additional variables and more complex models to deepen the understanding of profitability determinants in Islamic banking.

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