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EKONOMIKA SYARIAH : Journal of Economic Studies
Published by Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi
ISSN : 26147890     EISSN : 26148110     DOI : https://www.doi.org/10.30983/ekonomikasyariah
Core Subject : Economy,
Economics, Econometrics & Finance
EKONOMIKA SYARIAH: Journal of Economic Studies is a journal that publishes research results related to the themes of economics, finance, and Islamic banking. It also provides an important role in promoting the process of knowledge, values and skills. Scientific texts that discuss the topics of economics, finance and Islamic banking are highly expected to be presented. Interdisciplinary approaches to Islamic studies are used as instruments to overcome and solve Islamic economic, financial and banking problems. The editorial team invited researchers, scholars, and Islamic studies and economic observers to submit research articles that had never been published in other media or journals. Ekonomika Syariah is published twice a year, in June and December. The editorial team received the research article, typed 1.15 cm in space on A4 paper, double column, 15-20 pages long or 7000 to 9000 words. Every article published has gone through a peer-review process to maintain the quality of the publication.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 185 Documents
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An Analysis of Some Factors Affecting Employee Performance at Bank NTB Syariah Praya Branch Agus Salihin; Syamsul Sukmono Edy
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 7, No 1 (2023): June 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v7i1.4236

Abstract

This study aims to analyze the factors that affect the performance of employees at Bank NTB Syariah Praya Branch. This research is a quantitative study using primary data obtained from distributing questionnaires. The research sample consisted of 30 respondents consisting of NTB Syariah bank employees at the Praya branch. Methods of data analysis in this study using multiple linear regression with the help of SPSS software. The results showed that partially and simultaneously the variables of organizational culture, motivation and compensation have a significant positive effect on the employee performance of Bank NTB Syariah Praya Branch. Then the coefficient of determination was 81.1%. This means that the independent variable is able to explain the dependent variable by 81.1%.Penelitian ini bertujuan untuk menganalisis faktor yang mempengaruhiikinerja karyawan pada Bank NTB Syariah Cabang Praya.Penelitian ini termasuk penelitiannkuantitatif yang menggunakan data primer yang diperoleh dari penyebarannkuesioner. Sampel penelitiannsebanyak 30 responden yang terdiri dari karyawan bank NTB Syariah cabang praya. Metode analisis data dalammpenelitian ini menggunakan regresi linierberganda dengan bantuan software SPSS.Hasil penelitiannmenunjukkan bahwa secara parsial dan simultan variabel budaya organisasi, motivasi dan kompensasi berpengaruh positif signifikan terhadap kinerja karyawan Bank NTB Syariah Cabang Praya. Kemudian nilai koefisien determinasi sebesar 81,1%. Hal ini berarti bahwa variabel bebas mampuumenjelaskan variabellterikat sebesar 81,1%.
Analysis of the determinants of Sharia Commercial Bank's Profitability for the Period of January 2015 December 2020 Putri, Nabila Rahmadani Kusuma; Gunanto, Edy Yusuf Agung
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 6 No. 1 (2022): January - June 2022
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v6i1.5085

Abstract

Sharia Commercial Banks not only function as intermediary institutions that collect and distribute public funds. Currently, Sharia Commercial Banks is one milestone used by the government in increasing the potential of the developing sharia economy in Indonesia. This thing, of course, will make Sharia Commercial Banks must develop their performance to be better. To monitor the performance, the profitability ratio that is impacted by various factors is used. This study is conducted to know the impact of capital adequacy, liquidity, credit risks, and operational efficiency on Sharia Commercial Banks profitability. liquidity and operational efficiency variables have a significant negative impact. Capital adequacy have a significant positive impact. Whereas NPF has an insignificant positive impact on Sharia Commercial Banks profitability. Bank Umum Syariah tidak hanya berfungsi sebagai lembaga intermediasi yang menghimpun dan menyalurkan dana masyarakat. Saat ini Bank Umum Syariah merupakan salah satu tonggak yang digunakan oleh pemerintah untuk meningkatkan potensi ekonomi syariah yang sedang berkembang di Indonesia. Tentunya, hal tersebut membuat Bank Umum Syariah harus meningkatkan kinerjanya menjadi lebih baik lagi. Sehingga untuk memantau kinerja tersebut, digunakan rasio profitabilitas yang dipengaruhi berbagai faktor. Penelitian ini dilakukan untuk mengetahui pengaruh kecukupan modal, likuiditas, risiko kredit dan efisiensi operasional terhadap profitabilitas Bank Umum Syariah. Data yang digunakan adalah statistik bulanan Bank Umum Syariah periode Januari 2015 – Desember 2020 yang dianalisis menggunakan regresi linear berganda. Hasil penelitian ini menunjukan bahwa liquiditas dan efisiensi operasional berpengaruh negatif signifikan terhadap profitabilitas Bank Umum Syariah. Kecukupan modal berpengaruh positif signifikan. Sedangkan NPF berpengaruh positif tidak signifikan terhadap profitabilitas Bank Umum Syariah.
Financial Stability of Indonesia’s Islamic Banks: Analysis Profitability Kurnia, Rahmat; Baroroh, Hilmy; Fauziah Hayati, Riska; Hazimah Melzatia, Haura; Maminirina Fenitra, Rakotoarisoa
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i1.8082

Abstract

The study explores the financial well-being of Islamic banks in Indonesia, focusing on profitability as reflected in the Return on Assets (ROA) ratio. This article brings attention to the issue of certain Sharia Commercial Banks in Indonesia exhibiting poor financial conditions, as indicated by low ROA figures. The primary aim of the research is to evaluate the impact of Good Corporate Governance (GCG), Non-Performing Financing (NPF), and the ratio of Operational Costs to Operational Income (BOPO) on the financial sustainability of these banks. This research adopts a quantitative approach, utilizing secondary data sourced from financial and Good Corporate Governance reports spanning the years 2018 to 2022. The analysis is conducted using panel data regression with the aid of EViews 12 software. The study covers 11 Sharia Commercial Banks in Indonesia over a five-year period, resulting in a sample of 55 observations obtained through purposive sampling. The findings indicate that Good Corporate Governance and Non-Performing Financing significantly influence the Return on Assets, underscoring the critical role these factors play in maintaining financial stability. In contrast, the BOPO ratio does not exert a significant effect on ROA. Furthermore, the results of the simultaneous regression analysis confirm that GCG, NPF, and BOPO collectively have a meaningful impact on the financial performance of Islamic banks, as measured by ROA. Penelitian ini mengeksplorasi kesehatan finansial bank syariah di Indonesia, dengan penekanan pada profitabilitas yang diukur melalui rasio Return on Assets (ROA). Artikel ini menyoroti permasalahan beberapa Bank Umum Syariah di Indonesia yang menunjukkan kondisi keuangan yang kurang baik, yang tercermin dalam rendahnya angka Return on Assets (ROA). Penelitian ini bertujuan untuk menilai pengaruh Good Corporate Governance (GCG), Non-Performing Financing (NPF), dan rasio Biaya Operasional terhadap Pendapatan Operasional (BOPO) terhadap keberlanjutan keuangan bank-bank ini. Pendekatan penelitian ini bersifat kuantitatif, dengan menggunakan data sekunder yang diperoleh dari laporan keuangan dan laporan Good Corporate Governance dalam rentang waktu 2018 hingga 2022. Analisis dilakukan menggunakan regresi data panel dengan bantuan perangkat lunak EViews 12. Penelitian ini melibatkan 11 Bank Umum Syariah di Indonesia selama lima tahun, dengan total 55 observasi yang diperoleh melalui teknik purposive sampling. Hasil penelitian menunjukkan bahwa Good Corporate Governance dan Non-Performing Financing memiliki pengaruh signifikan terhadap Return on Assets, yang menggarisbawahi pentingnya kedua faktor tersebut dalam mempertahankan stabilitas keuangan. Sebaliknya, rasio BOPO tidak menunjukkan dampak yang signifikan terhadap ROA. Selain itu, hasil analisis regresi simultan mengukuhkan bahwa GCG, NPF, dan BOPO secara bersama-sama memberikan pengaruh yang berarti terhadap kinerja keuangan bank syariah, yang diukur melalui ROA.
Optimization of Islamic Financial Schemes for MSMEs Development Nasrulloh, Agus Ahmad; Nurhasanah, Elis; Sukmawati, Heni; Joni, Joni
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 2 (2024): December 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i2.8252

Abstract

Abstract The growth rate of Micro, Small, and Medium Enterprises (MSMEs) in the City/District of Tasikmalaya has increased steadily over the past six years at around 6.18% annually. MSMEs face challenges related to capital and business development, and the proposed solution is cooperation with financial institutions. However, MSMEs find it difficult to obtain financing from formal financial institutions due to a lack of collateral and sufficient knowledge about financing schemes suitable for their businesses. As a result, MSMEs have to seek funding from non-formal lenders with ribawi contracts, which contradict Islamic principles and local regulations. This practice is also inconsistent with Local Regulation No. 7 of 2014 of Tasikmalaya City and Governor Regulation No. 1 of 2022 of West Java. The aim of this research is to analyze opportunities, challenges, and strategies for optimizing shariah finance in the MSME sector in Tasikmalaya City/Regency. The type of research carried out was descriptive research with a mixed-method approach (qualitative and quantitative) using the Analytic Network Process (ANP). There were 8 respondents in this research, consisting of academics, practitioners, and regulators of Islamic financial institutions in Tasikmalaya City/Regency. The research results show that there are four problems and four solutions to optimize Islamic financial schemes in developing MSMEs, namely community problems, institutions, access, and regulations. The problems and solutions that must be addressed are primarily in society. Massive Islamic financial education needs to continue to be carried out, supported by access to Islamic financing and also the government's firmness in supporting MSMEs through Islamic financial institutions. Tingkat pertumbuhan UMKM di Kota/Kabupaten Tasikmalaya meningkat stabil selama enam tahun terakhir dengan pertumbuhan 6,18% setiap tahunnya. UMKM mengalami kendala terkait modal dan pengembangan usaha, dan solusi yang diusulkan adalah kerjasama dengan lembaga keuangan. Namun, UMKM kesulitan mendapatkan pembiayaan dari lembaga keuangan resmi karena tidak memiliki jaminan dan pengetahuan yang cukup tentang skema pembiayaan yang cocok untuk bisnis mereka. Akibatnya, UMKM harus mencari dana dari pemberi pinjaman non-formal dengan akad ribawi, yang bertentangan dengan prinsip Islam dan regulasi setempat. Praktik ini juga tidak sejalan dengan Peraturan Daerah Kota Tasikmalaya Nomor 7 Tahun 2014 dan Peraturan Gubernur Jawa Barat Nomor 1 Tahun 2022. Tujuan dari penelitian ini adalah untuk menganalisis peluang, tantangan dan strategi optimalisasi keuangan syariah pada sektor UMKM di Kota/Kabupaten Tasikmalaya. Jenis penelitian yang dilakukan adalah penelitian deskriptif dengan pendekatan Mixed Method (kualitatif dan kuantitatif) dengan menggunakan Analytic Network Process (ANP). Terdapat 8 orang responden dalam penelitian ini yang terdiri dari praktisi, akademisi, dan regulator lembaga keuangan syariah di Kota/Kabupaten Tasikmalaya. Hasil penelitian menunjukkan bahwa terdapat empat permasalahan dan empat solusi untuk mengoptimalkan skema keuangan syariah dalam mengembangkan UMKM, yaitu permasalahan masyarakat, kelembagaan, akses, regulasi. Permasalahan dan solusi yang harus dibenahi terutama pada masyarakat. Edukasi keuangan syariah secara masif perlu terus dilakukan, didukung dengan akses pembiayaan syariah dan juga ketegasan pemerintah dalam mendukung UMKM melalui lembaga keuangan syariah.
The Waqf Integrated Income-Generating Model: A Catalyst for Indonesia's Sustainable Development Ambitions Haidar, Abdullah; Herindar, Evania; Arviannis, Tasya; Nursyamsiyah, Ikha; Hendrasto, Nur
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i1.8256

Abstract

This research delves into the effect of collective beliefs and anticipations regarding investment cooperation, technological progression, and administrative governance on fostering sustainable income through the Waqf Integrated Income Generating Model (WIIGM). The study, grounded in the Theory of Reasoned Action (TRA), empirically assesses public perceptions of the WIIGM. A survey conducted among 100 participants through convenience sampling and online questionnaires provides the data, which is analyzed using partial least squares structural equation modeling to test hypotheses. Prior ethical approval was secured for data collection. Findings from this study highlight that sustainable income is positively influenced by investment collaboration and governance, but not by technological advancements. In terms of building trust (behavioral intention) in the WIIGM model, technological advancement does not show a significant effect. This novel investigation offers insights into how a newly proposed integrated income model for waqf institutions could enhance community trust. The study holds substantial implications. It is intended for professionals and government officials to understand waqf's functions, positions, and potential applications, considering community trust and beliefs.
Subjective Well-Being, Religiosity, Trust, and Altruism: an Islamic Perspective Rakhmawati, Rakhmawati; Atmaja, Fajar Fandi
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 2 (2024): December 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i2.8393

Abstract

Subjective well-being (SWB) is often associated with increased productivity, creativity, innovation, and improved social relationships, all of which play a significant role in supporting a country's development. This research was carried out to examine SWB from an Islamic perspective. It also evaluated the importance of religiosity, trust, and altruism to SWB. The library research method was used in this research with data collected from journal articles, books, and the Qur’an. First, journal articles on the topic of SWB from an Islamic perspective were searched. Second, the Qur’an was examined to determine the references to the roles of religiosity, trust, and altruism. Third, the publications on the impact of religiosity, trust, and altruism were reviewed. The topic of SWB, from an Islamic perspective, is associated with happiness, as represented by the terms al-falah and al sa’adah. The implications are for individuals, educators, families, and governments to increase SWB through the enhancement of important indicators. The research strengthens empirical evidence on the positive impact of religiosity, trust, and altruism on SWB. It also proved that Islamic teachings on muamalat (social relations) are universal and provided benefits to non-Muslims. Individu dengan kesejahteraan subjektif (subjective well-being/SWB) yang baik akan lebih produktif, kreatif, inovatif, dan memiliki hubungan sosial yang baik. Hal tersebut merupakan aspek penting dalam pembangunan suatu negara. Penelitian ini bertujuan untuk menganalisis SWB dari perspektif Islam serta bagaimana peran religiositas, kepercayaan, dan altruisme terhadap SWB. Penelitian ini menggunakan metode studi kepustakaan dengan data berasal dari artikel jurnal, buku, dan al-Qur’an. Pertama, artikel jurnal dengan topik SWB dalam perspektif Islam dibahas. Kedua, peran religiositas, kepercayaan dan altruisme dicari di dalam al-Qur’an. Ketiga, artikel jurnal terkait bukti empiris ketiga variabel tersebut terhadap SWB juga dibahas. Topik tentang SWB dalam perspektif Islam dihubungkan dengan kebahagiaan khususnya dengan istilah al-sa’adah dan al-falah. Implikasi dari penelitian ini adalah untuk individu, pendidik, keluarga, dan pemerintah untuk meningkatkan SWB melalui tiga variabel yang dibahas di sini. Penelitian ini menguatkan penelitian empiris bahwa ada peran positif dari religiositas, kepercayaan terhadap orang lain, dan sifat altruisme dalam meningkatkan kebahagiaan. Penelitian ini juga memberikan bukti bahwa ajaran Islam dalam muamalat (hubungan sosial) bersifat universal dan memberikan manfaat pada manusia bahkan untuk yang tidak beragama Islam.
GenZ's Purchase Decision of Branded-Preloved Clothing: Do Islamic Consumption Principles Influence Their Decisions? Arinda, Niyara; Novi Andra, Elsa; Parsaulian, Baginda; Agung Mulyana, Cahya
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i1.8425

Abstract

The issue of young consumer behavior in making purchasing decision to  a good or service is always intriguing  to analyze , particularly when considering whether their behavior aligns with Islamic values or not, especially for Generation Z (Gen Z), who are sometimes notoriously random in their actions. This study aims to estimate whether brand image, price, and fashion style affect the purchase decision of well-known brand-used clothes, and this study will elaborate in more detail on the findings from the perspective of Islamic consumer behavior. These findings will provide an important answer to whether Islamic consumption principles influence consumers' purchasing decisions. This study is quantitative research with a total of 250 respondents, which was collected using purposive sampling, which includes the younger generation of Muslims who like to shop for branded-prelove goods. The findings show that brand image, price, and fashion style are predictors of Gen Z purchasing decisions in deciding to buy branded-prelove clothing by 59.3%. A more detailed search shows that young Muslim customers still pay attention to Islamic consumption values in shopping such as rationality, simplicity, trust and honesty (Siddiq), reasonable prices, and Maslahah. This finding contributes to helping business actors design market strategies based on the behavior of the young Muslim generation. Issue tentang  perilaku konsumsi muda dalam memutuskan pembelian suatu barang dan jasa selalu menarik untuk dianalisis karena pola perilaku mereka selalu dipertanyakan apakah sejalan dengan nilai-nilai Islam atau tidak, khususnya bagi Generasi Z (GenZ) yang terkadang terkenal random dalam bertindak. Penelitian ini bertujuan untuk mengestimasi apakah citra merek, harga dan gaya fashion berpengaruh terhadap keputusan pembelian pakaian bekas  bermerek terkenal, dan penelitian ini akan menguraikan lebih detail temuan dalam perspektif perilaku konsumen Islam. Pertanyaan penting apakah prinsip konsumsi Islam mempengaruhi keputusan mereka dalam membeli atau tidak akan terjawab dalam temuan ini. Penelitian ini merupakan penelitian kuantitatif dengan jumlah responden sebanyak 250 orang, yang dikumpulkan dengan menggunakan purposive sampling yang meliputi generasi muda muslim yang hobi berbelanja barang-barang branded-preloved. Temuan menunjukkan bahwa citra merek, harga dan juga gaya fashion menjadi prediktor keputusan pembelian GenZ dalam memutuskan pembelian pakaian branded-prelove sebesar 59,3%. Penelusuran lebih detail menunjukkan bahwa pelanggan muda muslim masih memperhatikan nilai-nilai konsumsi Islami dalam berbelanja seperti rasionalitas, kesederhanaan, amanah dan jujur (siddiq), harga wajar, dan maslahah. Temuan ini memberikan kontribusi bagi pelaku usaha dalam merancang strategi pasar berdasarkan perilaku generasi muda Muslim.  
Analysis of Asset and Financing Contribution to Islamic Banking Profit in Indonesia by Vector Autoregression (VAR) Method Nofinawati; Dede Ruslan; Muhammad Fitri Rahmadana; Nasution, Adanan Murroh
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 2 (2024): December 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i2.8463

Abstract

The profit growth of Islamic banks in Indonesia tends to decline from the Covid-19 period to date. However, the number of assets and the amount of financing of Islamic banks tend to increase from one period to the next. This article discusses the contribution of assets and financing to the profitability of Islamic banking in Indonesia. This article was created using quantitative research methods. The data comes from the Financial Services Authority (OJK), namely data related to the amount of profit, assets, and financing in the Sharia Banking Statistics report, especially Sharia Commercial Banks from 2019 to 2023. Then the analysis of the contribution between the variables of assets, financing and profits of Islamic banks was analyzed using an econometric approach, namely the Vector Auto Regression (VAR) Method. The results of this study show that the profit variable of the previous period has a negative contribution to the endogenous profit variable. However, asset and financing variables in the previous period contributed positively to endogenous profit variables. There has been no previous research that discusses the contribution of variable assets and financing to the profit of Islamic banking in Indonesia using Vector Autoregressive Models. In order for the profit of Islamic banks to always increase, Islamic banks must always increase the number of their assets by increasing the amount of financing disbursed.   Pertumbuhan laba bank syariah di Indonesia cenderung menurun dari periode Covid-19 hingga saat ini. Namun, jumlah aset dan jumlah pembiayaan bank syariah cenderung mengalami peningkatan dari satu periode ke periode berikutnya. Artikel ini membahas mengenai kontribusi aset dan pembiayaan terhadap profitabilitas perbankan syariah di Indonesia. Artikel ini dibuat dengan menggunakan metode penelitian kuantitatif. Data berasal dari Otoritas Jasa Keuangan (OJK), yaitu data terkait jumlah laba, aset, dan pembiayaan pada laporan Statistik Perbankan Syariah khususnya Bank Umum Syariah dari tahun 2019 sampai dengan tahun 2023. Kemudian analisis kontribusi antara variabel aset, pembiayaan dan laba bank syariah dianalisis dengan menggunakan pendekatan ekonometrika yaitu Metode Vector Auto Regression (VAR). Hasil temuan penelitian ini menunjukkan bahwa variabel laba periode sebelumnya memiliki kontribusi negatif terhadap variabel laba endogen. Namun, variabel aset dan pembiayaan periode sebelumnya berkontribusi positif terhadap variabel laba endogen. Belum ada penelitian sebelumnya yang membahas mengenai kontribusi variabel aset dan pembiayaan terhadap laba perbankan syariah di Indonesia dengan menggunakan Vector Autoregressive Models. Agar laba bank syariah selalu meningkat, maka bank syariah harus selalu meningkatkan jumlah asetnya dengan cara meningkatkan jumlah pembiayaan yang disalurkan.
The Efficiency of KSPPS BMT UGT Nusantara Branches in East Java using Data Envelopment Analysis (DEA) Period 2018-2022 Harris, Jaudat Iqbal; Arifin, Sirajul; Yazid, Muhammad
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i1.8485

Abstract

Performance assessment of Islamic financial institutions such as KSPPS BMT UGT Nusantara is crucial to ensure optimal resource utilisation and improved customer service. This study evaluates the efficiency of several branches of KSPPS BMT UGT Nusantara in East Java from 2018 to 2022 using the Data Envelopment Analysis (DEA) approach. Input variables include the number of employees, total assets, and operational costs, while output variables encompass the number of customers, total financing, and total income. The results show that during the 2018-2022 period, many branches of BMT UGT Nusantara had not yet reached optimal scale, although some had achieved efficiency levels in both production and intermediation approaches. In the production approach, 50% of branches achieved technical efficiency, pure technical efficiency, and scale efficiency, while in the intermediation approach, 55% of branches achieved the same efficiency levels. To address inefficiencies, recommended strategies include: adjusting the number of employees according to actual needs; reducing excessive operational costs by identifying and eliminating unnecessary expenses; and managing assets more effectively by reinvesting in revenue-generating activities.
Management and Empowerment Model In LAZISMU Special Region of Yogyakarta rifan, Akhmad Arif Rifan; Miftah Khilmi Hidayatulloh; Winda Safitri; Leni Kurnia Safitri; Maisha Madania
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i1.8514

Abstract

This research aims to develop a comprehensive management and empowerment model for LazisMU in the Special Region of Yogyakarta (DIY). The study employs a qualitative approach, primarily utilizing in-depth interviews as the main data collection technique. In addition to these interviews, participatory observations and document content analysis were also conducted. The data collection instruments consist of interview guidelines and observation protocols. To ensure data validity, the study applies source triangulation, which involves comparing the information gathered from various informants and corroborating it with documents and observations. Data analysis was performed inductively through an interactive method that includes data reduction, data presentation, drawing conclusions, and verification. The findings indicate that the management and empowerment strategies at LazisMU are centered on providing business financial assistance to Mustahik with entrepreneurial ventures, as well as offering educational scholarships for university students. This research provides valuable insights and recommendations for other zakat management institutions, suggesting ways to enhance their operational performance and more effectively empower their beneficiaries through targeted financial and educational support initiatives.

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