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<![CDATA[Analysis GISWAF on the Interest of Waqf Students: A Case Study on UNIDA Gontor ]]>
<![CDATA[Afif, Mufti]]>;
<![CDATA[Muzaki, Rofi]]>;
<![CDATA[Sa’id, Roudhoh Hannaaris]]>;
<![CDATA[Maulana, Hartomi]]>
<![CDATA[ Indonesian Journal of Islamic Economics and Finance Vol. 4 No. 2 (2024) ]]>
Publisher : <![CDATA[Institut Agama Islam Sunan Giri Ponorogo ]]>
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DOI: 10.37680/ijief.v4i2.5737
<![CDATA[The literacy of Indonesian society regarding waqf is still relatively low. People often confuse waqf with charity (sodaqoh) and voluntary contributions (infak). Similarly, the literacy among university students about waqf is also lacking. The GISWAF "Gerakan Indonesia sadar wakaf" movement has introduced a seminar activity called "Waqf Literacy Seminar" for students at Universitas Darussalam Gontor. This research employs a qualitative descriptive method, involving interviews with 14 Students considered sufficient to reach the data saturation point, as well as observation and documentation, to explore the understanding and awareness of waqf among students. This research is to gauge the interest of students in waqf by examining their understanding, awareness, and future intentions regarding waqf. The specific this research is to evaluate how effective GISWAF is in increasing UNIDA Gontor students' desire to give waqf. The findings from the study indicate interest, 5 students (36%) are interested in practicing waqf literacy to the community, 4 students (29%) are interested in studying more deeply about waqf, 4 students (29%) are interested in doing waqf, and 1 student (7%) is interested in still wanting to learn about waqf, and 0 students do not want to learn waqf (0%).]]>
<![CDATA[Analysis of 5C+1S Principles in Minimizing the Risk of Working Capital Murabahah Financing ]]>
<![CDATA[Hadratullah, Hadratullah]]>;
<![CDATA[Sejati, Anang]]>
<![CDATA[ Indonesian Journal of Islamic Economics and Finance Vol. 4 No. 2 (2024) ]]>
Publisher : <![CDATA[Institut Agama Islam Sunan Giri Ponorogo ]]>
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DOI: 10.37680/ijief.v4i2.5792
<![CDATA[This study aims to analyze the application of the 5C+1S (Character, Capacity, Capital, Collateral, Condition, and Sharia) principles in minimizing the risk of Murabahah financing at Bank Syariah Indonesia KCP Pancor. The research uses a qualitative descriptive approach with primary data through employee and customer interviews and secondary data from bank documents. The results show that the 5C+1S principle helps assess customer eligibility despite obstacles such as limited human resources, lack of selectivity in customer selection, and the influence of economic conditions. To overcome these challenges, intensive training is recommended to improve the quality of human resources, periodic supervision of customers, risk analysis technology, diversification of financing portfolios, and improvement of customer financial literacy. Consistent and adaptive implementation of economic changes can help BSI KCP Pancor mitigate the risk of non-performing financing and maintain the sustainability of its operations.]]>
<![CDATA[The Influence of Innovation, Network, and Technology on Customer Switching to Bank Syariah Indonesia ]]>
<![CDATA[Hadratullah, Hadratullah]]>;
<![CDATA[Hidayati, Rina]]>
<![CDATA[ Indonesian Journal of Islamic Economics and Finance Vol. 4 No. 2 (2024) ]]>
Publisher : <![CDATA[Institut Agama Islam Sunan Giri Ponorogo ]]>
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DOI: 10.37680/ijief.v4i2.5793
<![CDATA[This study analyzes the influence of product innovation, service quality, and office network on switching customer behavior from conventional banks to Bank Syariah Indonesia (BSI) in Selong District. This study uses a survey method with a quantitative approach, involving 100 BSI customer respondents who were taken by purposive sampling. Data were collected through questionnaires and analyzed using simple linear regression. The study results show that product innovation significantly influences customer switching behavior, with a contribution of 40.9%, followed by information technology by 18.6%. At the same time, the office network is not significant. These findings support the Planned Behavior theory and the Diffusion of Innovation theory, which states that innovations relevant to market needs can increase the adoption of sharia services. It is recommended that BSI strengthen its digital services and unique sharia features to attract more customers, increase competitiveness, and expand market share in the Islamic banking industry in Indonesia.]]>
<![CDATA[How Risk Perception aand Financial Literacy Effect Overconfidence Bias and Investment Decisions Relationship ]]>
<![CDATA[Mirfaqoh, Vella]]>;
<![CDATA[Muktiyanto, Ali]]>;
<![CDATA[Geraldina, Ira]]>;
<![CDATA[Yusriani, Sri]]>
<![CDATA[ Indonesian Journal of Islamic Economics and Finance Vol. 4 No. 2 (2024) ]]>
Publisher : <![CDATA[Institut Agama Islam Sunan Giri Ponorogo ]]>
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DOI: 10.37680/ijief.v4i2.6067
<![CDATA[This research aims to determine the influence of overconfidence bias on investment decisions, which is mediated by risk perception and moderated by financial literacy. This research is quantitative research using causality analysis. The research instrument is a questionnaire with a likert scale of one to five points. The research used a random sampling technique with 400 capital market investors in Indonesia. Data were analyzed by SmartPLS4 software using the SEM PLS method. The research results show that overconfidence bias and risk perception positively affect investment decisions. Risk perception can positively and significantly mediate the relationship between overconfidence bias and investment decisions. Other results prove that financial literacy cannot moderate the relationship between overconfidence bias and investment decisions. This research implies that investors are expected to make investment decisions rationally and avoid detrimental investments.]]>
<![CDATA[Exploring The Potential of Zakat: Yusuf Qardhawi’s Insights for Poverty Alleviation and Economic Growth in Indonesia ]]>
<![CDATA[Syamsuri, Syamsuri]]>;
<![CDATA[Arief, Suyoto]]>;
<![CDATA[Wibisono, Vina Fithriana]]>;
<![CDATA[Fauziyah, Silva]]>
<![CDATA[ Indonesian Journal of Islamic Economics and Finance Vol. 4 No. 2 (2024) ]]>
Publisher : <![CDATA[Institut Agama Islam Sunan Giri Ponorogo ]]>
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DOI: 10.37680/ijief.v4i2.6085
<![CDATA[This study aims to explore the potential of zakat, insights from Yusuf Qardhawi perspectives for poverty alleviation and economic growth in Indonesia. This study uses a library method and descriptive analysis approach. The result of this study indicated that the management of zakat its relevance in Indonesia insight from Yusuf Qardhawi are (1) expanding the provisions of the assets that are subject to zakat funds needs to be managed productively; (2) the management and distribution of zakat in order to function properly requires centralization of zakat management by the state (government). The role of the government in alleviating poverty and economic growth includes: optimizing the performance of zakat institutions in accordance with zakat regulations; increasing public literation of zakat, encouraging social innovations as a form of efficiency and transparency in the distribution and utilization of zakat; supervising zakat institutions on the impact on poverty alleviation and maximizing the potential of zakat in improving economic growth and the welfare of underprivileged people. This study provides insight for the management of zakat in Indonesia is optimized using Yusuf Qardhawi’s concept, its relevant to poverty issues and improvisation of economic growth.]]>
<![CDATA[The Influence of IT Mastery, Networking and Business Capital on the Performance of MSMEs in the Jago Silo Blitar Community ]]>
<![CDATA[Mukminiin, Ahmad Amiirul]]>
<![CDATA[ Indonesian Journal of Islamic Economics and Finance Vol. 4 No. 2 (2024) ]]>
Publisher : <![CDATA[Institut Agama Islam Sunan Giri Ponorogo ]]>
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DOI: 10.37680/ijief.v4i2.6137
<![CDATA[This study aims to analyze the influence of IT mastery, networking, and business capital on the performance of MSMEs in the Jago Silo community of Blitar City. With a population of 200 MSME members, a sample of 50 people was taken. Sampling follows the Arikunto (2012) method, where a sample is taken from 10-25% of the population if it amounts to more than 100 people. The results of the study show that IT mastery (X1), networking (X2), and business capital (X3) each have a significant influence on the performance of MSMEs. The IT mastery variable (X1) has a Sig value of 0.259 (> 0.05), networking (X2) 0.912 (> 0.05), and business capital (X3) 0.636 (> 0.05), so all hypotheses are accepted. Simultaneously, these three variables have a significant effect on the performance of MSMEs, shown by the values of Fcal = 6.257 and Sig = 0.001 (< 0.05). The determination coefficient of 97.4% showed that IT mastery, networking, and business capital contributed greatly to the performance of MSMEs, while 2.6% was influenced by other factors that were not studied. This research shows that these factors are very important in improving the performance of MSMEs in the Jago Silo Blitar community.]]>
<![CDATA[Budgeting and Saving Effectiveness as the Main Pillar of Sustainable Personal Financial Management ]]>
<![CDATA[Prakoso, Teguh]]>;
<![CDATA[Apriliani, Rina]]>
<![CDATA[ Indonesian Journal of Islamic Economics and Finance Vol. 4 No. 2 (2024) ]]>
Publisher : <![CDATA[Institut Agama Islam Sunan Giri Ponorogo ]]>
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DOI: 10.37680/ijief.v4i2.6187
<![CDATA[Personal financial management is an important aspect of achieving financial stability and success. This research examines the importance of effective budgeting and saving practices as key components of personal financial management. The research shows that budgeting is important in personal financial management as it provides a clear framework for managing income and expenditure. By having a detailed budget, individuals can monitor their cash flow, ensure that they allocate funds to essential needs, and identify areas where spending can be reduced. Budgeting also helps set short-term and long-term goals, encouraging financial discipline and responsibility. Studies indicate that individuals who consistently follow a budget tend to have better financial health and are less trapped in debt. In addition to budgeting, effective saving practices are a key component of personal financial management. Saving is important to deal with financial emergencies and achieve future goals, such as home purchase, education, or retirement. Regularly setting aside a portion of income into savings can help individuals build financial reserves and reduce reliance on loans or credit. Studies have also found that saving regularly can increase financial well-being and reduce money-related stress. Therefore, effective budgeting and saving are two key pillars that complement each other in achieving sustainable personal financial stability.]]>
<![CDATA[Productive Zakat Law Implementation in Mentor Empowerment for Entrepreneurial Character Building and Mustahiq Empowerment ]]>
<![CDATA[Khatimah, Husnul]]>;
<![CDATA[Nuradi, Nuradi]]>;
<![CDATA[Mubarok, Jaih]]>
<![CDATA[ Indonesian Journal of Islamic Economics and Finance Vol. 4 No. 2 (2024) ]]>
Publisher : <![CDATA[Institut Agama Islam Sunan Giri Ponorogo ]]>
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DOI: 10.37680/ijief.v4i2.6213
<![CDATA[This study examines the law of productive zakat and its implementation in the mentor empowerment program for the formation of entrepreneurial character and empowerment of mustahiq. This study uses a library method with a qualitative approach and descriptive analysis that examines various opinions and sources of law on productive zakat. The study's results indicate differences of opinion among scholars regarding the permissibility of productive zakat. One group argues it is forbidden based on the premise of direct distribution and ownership of zakat funds by mustahiq. Another group allows productive zakat because of its greater benefits and impacts. The third view, namely moderate, allows productive zakat after the urgent needs of mustahiq are met. This study is more inclined towards this third view because it is considered the most appropriate to the current era and needs. The implementation of productive zakat is analyzed through the instruments of mudharabah, murabahah, and qardhul hasan. Mentoring is considered beneficial for business growth and mustahiq welfare. This study provides insight for zakat institutions to improve empowerment strategies and strengthen productive zakat policies.]]>
<![CDATA[Analysis of the Influence of Funding Sources on Salt Production Efficiency in Madura ]]>
<![CDATA[Tunnabila, Sabna]]>;
<![CDATA[Nugroho, Prasetyo]]>;
<![CDATA[Purnomo, Arie Setyo Dwi]]>
<![CDATA[ Indonesian Journal of Islamic Economics and Finance Vol. 4 No. 2 (2024) ]]>
Publisher : <![CDATA[Institut Agama Islam Sunan Giri Ponorogo ]]>
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DOI: 10.37680/ijief.v4i2.6355
<![CDATA[This research aims to analyze the influence of funding sources on the efficiency of salt production in Karanganyar Village and Pinggirpapas Village, Kalianget District, Sumenep Regency, known as the largest salt-producing area in Madura. The research population was salt business actors in Madura, totaling 880 people. The sample was determined using the Slovin formula and an error rate (standard error) of 10% (0.1), resulting in a sample of 89 respondents. Data was collected through questionnaires, interviews, and observations. Data analysis was carried out using SPSS software, and the statistical method used was a simple linear regression test. The research results show a significant positive relationship between funding sources and salt production efficiency. This can be seen from the regression coefficient of 0.101 with a p-value <0.05, which shows that the better the access to funding sources, the more efficient the salt production process will be. These findings emphasize the importance of the availability and accessibility of funding sources to increase production efficiency in the salt sector.]]>
<![CDATA[The Impact of Financial Inclusion and Technology Digitalization on The Development of The Creative Economy in Pamekasan ]]>
<![CDATA[Tahol, Triana Olivia]]>;
<![CDATA[Susandini, Aprilina]]>;
<![CDATA[Hadyarti, Vidi]]>
<![CDATA[ Indonesian Journal of Islamic Economics and Finance Vol. 4 No. 2 (2024) ]]>
Publisher : <![CDATA[Institut Agama Islam Sunan Giri Ponorogo ]]>
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DOI: 10.37680/ijief.v4i2.6357
<![CDATA[This study aims to determine the impact of financial inclusion and technology digitalization on the development of the creative economy in Pamekasan, as measured by indicators of product innovation, marketing innovation, financial system innovation, and human resource management innovation. This study uses a quantitative approach involving 85 respondents as samples. Data was collected through field observations, structured interviews, and questionnaires compiled using a Likert scale. Data analysis was carried out using data instrument tests, classical assumption tests, and hypothesis tests with the help of SPSS 26 software to analyze the data obtained and test the established hypotheses. The results of this study indicate that financial inclusion and technology digitalization partially have a positive and significant effect on the development of the creative economy in Pamekasan. Simultaneously, financial inclusion and technology digitalization significantly affect the development of the creative economy in Pamekasan.]]>
