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Diky Wahyu Surya Pratama
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ICO EDUSHA
Published by Sekolah Tinggi Agama Islam An Najah Indonesia Mandiri
ISSN : -     EISSN : 2775930X     DOI : -
Core Subject : Religion, Economy, Humanities, Education, Social,
Religion Humanities Economics, Econometrics & Finance Education Social Sciences Other
Proceedings of Annual Conference for Education Management and Sharia Economics The journal publishes articles of interest to education practitioners, teachers, education policy makers, and researchers. This journal encompasses research articles, original research report, reviews in Islamic education in any field including 1) Leadership, 2) Public Relation Management, 3) Organizational Behavior, 4) Organizational Culture, 5) Human Resource Management, 6) Financial Management, 7) Decision Making, etc. This journal is published once a year, in the month December.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 249 Documents
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The Role of Sharia Product Innovation in Strengthening Islamic Financial Stability Muhammad Sheva Mauladi
ICO EDUSHA Vol. 5 No. 1 (2024): Innovation and Transformation: The Utilization of Artificial Intelligence (AI)
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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Abstract

This study aims to analyze the role of Islamic finance product innovation in supporting Islamic financial stability, particularly through the development of competitive products that comply with sharia principles. Islamic finance is based on the principle of prohibition against usury, gharar, and maisir, which encourages the creation of fair and transparent financial products. However, in the face of global market competition, innovation is needed so that Islamic financial products can meet the needs of modern society. This study found that innovations such as sukuk and Islamic fintech play an important role in expanding access to Islamic financial services, improving operational efficiency, and strengthening public trust. In addition, the management of social funds such as zakat through Islamic financial institutions can improve social welfare and empower the community's economy. In the rural context, the implementation of Islamic finance in Village-Owned Enterprises (BUMDes) also contributes to sustainable local economic growth. With the support of conducive regulations and increased Islamic financial literacy, this innovation is expected to strengthen Islamic financial stability and have a positive impact on the national economy. Keywords: Innovation, Islamic Products, Islamic Financial Stability.
Implementation of Risk Management: A Qualitative Study on Bank Syariah Indonesia Aisyah Sayidul Lintang; Faujiah, Ani
ICO EDUSHA Vol. 5 No. 1 (2024): Innovation and Transformation: The Utilization of Artificial Intelligence (AI)
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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This study aims to explore the implementation of risk management at Bank Syariah Indonesia (BSI) using a qualitative literature review approach. The research addresses the core issue of managing complex risks in Islamic banking, focusing on six key risks: credit, liquidity, market, operational, reputational, and Sharia compliance risks. The study was motivated by the urgent need to understand Sharia-based risk management strategies amidst the dynamics of the modern financial industry. The findings reveal that BSI has integrated Sharia principles with conventional risk management frameworks. However, challenges such as low Islamic financial literacy, technological adaptation, and consistency in Sharia compliance remain significant barriers. This study provides conceptual insights and recommendations to enhance risk management through technological innovation, public education, and the development of more comprehensive regulations.
Modern Waqf Management Maximizes Asset Potential with a Controlled Risk Approach Siti Nur Farida
ICO EDUSHA Vol. 5 No. 1 (2024): Innovation and Transformation: The Utilization of Artificial Intelligence (AI)
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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Abstract

Waqf is a social financial instrument in Islam which has great potential to support economic development and community welfare. However, in its management, waqf assets often face various challenges, such as lack of professional management, financial risks, and low productivity. This research examines the concept of modern waqf management which utilizes a controlled risk approach to maximize the potential of waqf assets. Using literature study methods and qualitative analysis, this research highlights productive waqf management models in several countries with a balanced risk approach. The research results show that modern waqf management with a controlled risk approach can increase the productivity of waqf assets and strengthen the role of waqf in economic development. Professional management with appropriate risk management has been proven to make a significant contribution in expanding the social benefits of waqf assets. Keywords: Modern waqf, risk management, productive assets, Islamic economics
The Role of Digital Technology in Facilitating Zakat Collection and Distribution in the Modern Era Muhammad Musa Ali
ICO EDUSHA Vol. 5 No. 1 (2024): Innovation and Transformation: The Utilization of Artificial Intelligence (AI)
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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Abstract

The development of digital technology in the modern era provides significant opportunities to increase the efficiency of zakat management, especially in the collection and distribution process. This research aims to identify the strategic role of digital technology in facilitating the zakat collection process, assess its effectiveness in increasing the speed and accuracy of distribution, and analyze the obstacles faced by zakat institutions in its implementation. The research approach used is descriptive qualitative with a case study method on several zakat institutions that have utilized digital platforms. Data was obtained through in-depth interviews, observations and documentation studies, which were then analyzed to provide a comprehensive picture of the impact of digital technology on zakat management. The research results show that digital technology is able to simplify the zakat collection process through various online payment options and increase distribution efficiency with real-time integrated data, which enables faster and more targeted distribution. However, obstacles such as people's low digital literacy and risks related to data security are still obstacles in implementing this digital technology. The conclusion of this research confirms that digital technology plays an important role in efforts to modernize zakat management, with great potential in increasing efficiency and transparency. The main recommendation given is the importance of increasing digital education for the public and developing adequate digital infrastructure to support more optimal implementation of technology in managing zakat in the future. Keywords: Efficiency of zakat management in the modern era
Strategic Approaches to Managing Education Funding for Equitable Access and Quality Nur Hania; Mohammad Habib Imroni; Nur Anim Jauhariyah
ICO EDUSHA Vol. 5 No. 1 (2024): Innovation and Transformation: The Utilization of Artificial Intelligence (AI)
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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This study aims to describe and analyze strategic approaches in managing educational financing to achieve equitable access and quality education in Madrasah Tsanawiyah Wanamukti. The main focus of this research includes four key aspects: (a) transparency in financial management, (b) accountability in the use of educational funds, (c) effectiveness of fund allocation for educational programs, and (d) efficiency in the use of educational financing resources. This research employs a qualitative approach with interview, observation, and documentation methods for data collection. Data validity was tested through source triangulation involving relevant stakeholders in educational policy and financial management. The results show that educational financing management is carried out by prioritizing the principles of transparency, accountability, effectiveness, and efficiency. The success of improving access and education quality is highly influenced by the proper allocation of budgets, sound planning, and good coordination between the government, private sector, and society. The principle of transparency is realized through the openness of financial information and the involvement of various parties in decision-making processes. Furthermore, accountability and effectiveness are achieved through structured budget reporting and continuous monitoring of fund usage. Efficiency is attained through the use of technology in budget management and innovation in learning methods. Overall, strategic educational financing management has proven to be effective in creating equitable and high-quality for all students at Madrasah Tsanawiyah Wanamukti. Keywords: Education Financing, Education Quality, and Educational Equity.
INOVASI NAZHIR DALAM PENGELOLAAN WAKAF DIGITAL SEBAGAI STRATEGI KEBERLANJUTAN EKONOMI UMAT DI ERA PANDEMI Faujiah, Ani; Imron
ICO EDUSHA Vol. 3 No. 1 (2022): ICO EDUSHA : The 3rd ICO EDUSHA 2022 The Muslim Research Community
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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Abstract

Innovation in the management of digital waqf by nazhir plays a crucial role in maintaining the sustainability of the community's economy, particularly during the COVID-19 pandemic. Digital transformation allows waqf to be managed more transparently, efficiently, and inclusively, thus reaching a larger portion of the community. Through digital platforms, people can more easily participate in channeling waqf funds, while nazhir can manage waqf assets more effectively. However, there are several challenges to address, such as low digital literacy among nazhir, limited regulations supporting digitalization, and public trust in the security of digital transactions. This research aims to analyze the impact of digital waqf on the community's economy and identify innovations implemented by nazhir in managing digital waqf. Through a qualitative approach with literature studies, the research finds that although technologies like blockchain and Islamic crowdfunding offer great potential to enhance transparency and efficiency, regulatory challenges and public trust need to be addressed. This study recommends digital training for nazhir, strengthening regulations, and developing safer technologies to maximize the potential of digital waqf as a strategy for sustainable community economic empowerment. Keywords: Digital Waqf, Nazhir Innovation and Economic Empowerment.
ANALISIS KINERJA KEUANGAN PADA PT. UNILEVER Tbk Fatun; Sri Wahyuningsih
ICO EDUSHA Vol. 6 No. 1 (2025): Proceedings of International Conference On Islam Educationm Management and Shar
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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Pada penelitian ini sampel yang diambil pada PT Unilever Indonesia Tbk adalah dari tahun 2020 sampai tahun 2022. Dengan menganalisis Rasio Likuiditas dan analisis Rasio Solvabilitas, Hasil penelitian ini menunjukkan bahwa analisis Rasio Likuiditas yang diukur dengan current ratio dan quick rasio pada PT Unilever Tbk periode tahun 2020 sampai tahun 2022 tidak baik, karena dari hasil analisis yang dilakukan ditemukan hasil di bawah angka satu. Sedangkan hasil analisis Rasio Solvabilitas yang diukur dengan Debt to Assets Ratio dan Debt to equity Ratio pada PT Unilever Indonesia Tbk, periode tahun 2020 sampai tahun 2022, berada pada persentase 75%. Hal itu menunjukkan bahwa Kinerja Keuangan PT. Unilever Tbk. Sangat tidak baik, dikarenakan hampir seluruh perusahaan dibiayai oleh hutang. Kata Kunci: Kinerja keuangan, Likuiditas, Solvabilitas.
Analysis Of Donor Satisfaction Toward The Services Of An Infaq Management Institution Using Importance Performance Analysis And Customer Satisfaction Index Methods Ali Hamdan; Saifuddin; Jaenudin, M
ICO EDUSHA Vol. 6 No. 1 (2025): Proceedings of International Conference On Islam Educationm Management and Shar
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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This paper aims to analyze donor satisfaction with the services of an Infaq Management Institution using the Importance Performance Analysis (IPA) and Customer Satisfaction Index (CSI) methods. In this study, a survey of 100 donors was conducted to collect data regarding their expectations and experiences with the provided services. The IPA method was used to identify factors influencing donor satisfaction, while the CSI method was applied to measure the overall level of satisfaction. The analysis results indicate that several service elements need improvement, including transparency in the reporting of infaq fund usage and responsiveness to donor inquiries. The physical evidence dimension was excluded from the analysis because it did not meet the reliability test (Cronbach’s Alpha < 0.6). The validity test results show that all questionnaire items are valid (P-value < 0.05). The CSI score of 70.57% indicates that, in general, donors are satisfied with the services of the Infaq Management Institution (LMI). Based on the IPA analysis, there were no attributes in the main priority quadrant (Quadrant I), but four attributes should be maintained because of their high performance and high importance (Quadrant II), namely the implementation of the 3S principle (Smile, Greet, Serve), transparency in fund management, accuracy of fund allocation, and confidentiality of donor data. On the other hand, six attributes fall into the low-priority quadrant (Quadrant III), indicating potential improvements in reporting and communication aspects. These results provide strategic insights for LMI to maintain its service excellence and enhance areas that are still suboptimal to sustain and increase donor loyalty. This study provides recommendations for infaq management institutions to improve service quality to enhance donor satisfaction. Keywords: Donor Satisfaction, Infaq Management Institution, Importance Performance Analysis, Customer Satisfaction Index.
Integration of Cash Waqf and Waqf Through Cash in Islamic Social Finance: Opportunities, Challenges, and Policy Implication Ani Faujiah
ICO EDUSHA Vol. 4 No. 1 (2023): The Fourth ICO EDUSHA 2023
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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Abstract

The integration of cash waqf and waqf through money offers an innovative approach to strengthening Islamic social finance by expanding the donor base, enhancing instrument flexibility, and optimizing the productive use of waqf assets. However, the absence of a uniform legal framework, low public literacy, and limited nazhir capacity continue to pose significant challenges. This study employs a qualitative design using a systematic literature review of 62 international publications indexed in Scopus, WoS, and Google Scholar. The findings indicate that integrating both waqf models can enhance the inclusivity of social funding and strengthen economic empowerment when supported by professional governance, adaptive regulation, and digital innovation. The study concludes that policy harmonization, nazhir capacity building, and the strengthening of the waqf literacy ecosystem are essential prerequisites for effective implementation.

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