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Islamic Micro Finance Journal
Published by Institut Agama Islam Al-Fatimah Bojonegoro
ISSN : -     EISSN : 30634644     DOI : -
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Islamic Micro Finance Journal: a Research Journal on Islamic Micro Finance is a peer-reviewed journal. Specifically, the journal will deal with following topics: Islamic Micro Finance Islamic Public Finance Islamic Monetary Islamic Fiscal Islamic Banking Islamic Capital Markets Islamic Investment Islamic Economics Islamic Accounting
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 20 Documents
 1   2 
BRIlink as a Manifestation of Microeconomics Asas, Fitria
Islamic Micro Finance Journal Vol. 1 No. 1 (2024): Edisi I, Februari 2024
Publisher : Institut Agama Islam Al-Fatimah Bojonegoro

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Abstract

BRIlink is a digital financial service initiated by Bank Rakyat Indonesia (BRI) to expand the reach of banking services, especially in areas that are not yet reached by conventional banks. As a manifestation of microeconomics, BRIlink shows how technology and innovation can empower communities and small businesses. The purpose of this writing is to see and explain how BRIlink is the embodiment of microeconomics in Indonesia. This research is a type of library research carried out by reading, reviewing, and analyzing various existing literature. The results are that BRIlink provides access to banking services and contributes significantly to strengthening the micro-economy by empowering individuals and small businesses, increasing financial inclusion, and encouraging local economic growth
The Perspective of Maqashid Al-Sharia Theory in the Formulation of DSN Fatwas on Stocks Cholili, Azwar; Muslih, Imam; Maghfiroh, Anisatul; Muttaqin, Muh. Syaukin; Yasid, Abu
Islamic Micro Finance Journal Vol. 1 No. 1 (2024): Edisi I, Februari 2024
Publisher : Institut Agama Islam Al-Fatimah Bojonegoro

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Abstract

The capital market, as an innovation product that is an important tool in contemporary economic life, can bring the economy towards implementing Sharia principles and goals in the economic field. With the emergence of the Jakarta Islamic Index (JII), the differences between conventional and sharia capital markets are increasingly visible. By making JII a place to sell Sharia shares, customers can consider whether the Sharia capital market only depends on whether the shares being traded are halal or haram. In addition, there is a need for legal clarification regarding the actions of market players and the differences that exist between investors and speculators. Principles and objectives of Sharia economics. Utilizing the capital market to achieve beneficial objectives according to Islamic economic principles does not necessarily mean complying with Sharia
The Impact of Human Resource Quality and Business Capital on the Growth of MSMEs in Suruh Village, Trenggalek Regency Sulchan, Moch
Islamic Micro Finance Journal Vol. 1 No. 1 (2024): Edisi I, Februari 2024
Publisher : Institut Agama Islam Al-Fatimah Bojonegoro

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Abstract

This research is driven by the significance of Micro, Small, and Medium Enterprises (MSMEs), which are regarded as critical due to their capacity to employ individuals and provide economic assistance to a large population. However, despite their vitality, MSMEs are not exempt from the challenges they encounter, which include inadequate business capital and substandard human resources. The primary objective of this study is to investigate the impact of human resource quality and business capital on the growth and progress of micro, small, and medium-sized enterprises. This study employs a quantitative methodology and is of the associative variety. The data were gathered via a questionnaire employing the purposive sampling procedure. The investigation utilized a sample size of 135 participants, specifically MSME actors residing in Suruh Village, Suruh District, Trenggalek Regency. Subsequently, the questionnaire data underwent analysis via multiple linear regression, which had previously passed the validity, reliability, and classical assumption tests. The t and f tests were subsequently computed. Research findings indicate that: business capital and the Quality of Human Resources have a substantial positive impact on the growth and progress of micro, small, and medium enterprises, respectively
Retail Sukuk from the Perspective of Maqashid Al-Sharia Cholili, Azwar; Muslih, Imam; Muttaqin, Muh. Syaukin; Maghfiroh, Anisatul; Arifin, Sirajul
Islamic Micro Finance Journal Vol. 1 No. 2 (2024): Edisi II, Juni 2024
Publisher : Institut Agama Islam Al-Fatimah Bojonegoro

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Abstract

One of the products offered in the capital market is sharia bonds (sukuk). This is a huge attraction for businesses and governments. By raising funds through the issuance of sukuk, companies and governments have access to significant resources that can be used to increase lending to Islamic financial institutions. The need for the business world and government to build infrastructure and expand private businesses is one way to activate alternative sources of financing for the business world and national economic development. In addition, there is a need for legal clarification regarding the actions of market players and the differences that exist between investors and speculators. According to Islamic law, sukuk falls into the category of muamalah, where its Sharia compliance allows innovation while adhering to the goals, principles, and objectives of Sharia economics. Utilizing sukuk to achieve beneficial objectives according to Islamic economic principles does not mean immediately enacting sharia without a clear legal basis
Accountability for Mosque Financial Management: How Important Is It? Setiawan, Nanang
Islamic Micro Finance Journal Vol. 1 No. 1 (2024): Edisi I, Februari 2024
Publisher : Institut Agama Islam Al-Fatimah Bojonegoro

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Abstract

This study aims to explore the urgency of mosque financial management to increase financial accountability and prevent fraud. This study is a literature review using the results of previous studies. Mosque financial management is important to increase financial accountability. The scope of mosque financial management consists of financial planning, fundraising, fund management, financial reporting, internal control, and financial analysis. The potential for mosque funds is very large from zakat, infaq, shodaqoh, waqf, and funds from the government. Therefore, financial management is an urgent thing to do as a form of accountability to all stakeholders, especially Allah Ta'ala. Financial management, financial accountability, and transparency, as well as good internal control, are carried out to prevent potential fraud that can harm the organization and to maintain public trust. This study contributes to increasing literacy about mosque finance in the community and utilizing the results of mosque financial research needed by mosque administrators as well as in efforts to prevent fraud.
The Role of Istiḥsān in the Dynamism of Muamalah Jurisprudence Maghfiroh, Anisatul; Muslih, Imam; Cholili, Azwar; Muttaqin, Muh. Syaukin; Yasid, Abu
Islamic Micro Finance Journal Vol. 1 No. 2 (2024): Edisi II, Juni 2024
Publisher : Institut Agama Islam Al-Fatimah Bojonegoro

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Abstract

Modern economic and social developments brought Muslim societies into the context of increasingly complex transactions, including banking, insurance, and others. This challenge raises new problems that are not only solved by the sources of Qur'anic law and hadith. Istiḥsān is a method of establishing law that is postulated in Hanafi fiqh, although its existence is still debated among fiqh scholars. This paper aims to examine the role of Istiḥsān as a method to find Islamic law, especially in the field of muamalah law. This research uses a desk-based research method, which includes searching relevant literature for data, compiling journal articles and books covering the subject matter of the research topic, and systematic analysis of the information obtained. The results of research in this paper show that istihsan is an important option in determining muamalah law, such as istitsna' transactions and bank interest, which can currently be settled by the istihsan method. In addition, istihsan also has the basic goal of eliminating mudharat and achieving maslahah
The Influence of Sales Growth, Asset Structure, Profitability, and Business Risk on Capital Structure Pratiwi, Diah; Maharani, Betari; Afif, Naufal
Islamic Micro Finance Journal Vol. 1 No. 1 (2024): Edisi I, Februari 2024
Publisher : Institut Agama Islam Al-Fatimah Bojonegoro

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Abstract

Capital structure is the proportion of a company's finances between internal and external sources of funds as financing a company and as a determinant of the amount of debt for funding the company's operations. The higher use of debt in the capital structure can increase installments and interest payments that become business obligations and can result in the risk of cash flow not being fulfilled, resulting in a decrease in stock prices and the bankruptcy of the company. This study aims to examine the effect of sales growth, asset structure, profitability, and business risk on capital structure. The data used in this study are secondary. The population of this study is made up of basic industrial and chemical companies listed on the IDX in 2017–2022. The sampling technique used in this study was the purposive sampling method. The sample selected was 19 companies through predetermined criteria. Test the hypothesis in this study using multiple linear regression analysis. The results of this study show that sales growth does not affect the capital structure. Asset structure has a positive effect on capital structure. Profitability negatively affects the capital structure. Business risk does not affect the capital structure
Analysis of the Role of Sharia Insurance in the Indonesian Economy Apriyanti, Nafisa Nur; Abdurrahman, Kustiawan
Islamic Micro Finance Journal Vol. 1 No. 2 (2024): Edisi II, Juni 2024
Publisher : Institut Agama Islam Al-Fatimah Bojonegoro

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Abstract

This study aims to analyze sharia insurance in Indonesia's economy. Sharia insurance is an institution tasked with helping each other under Islamic law. This study uses a qualitative method in finding out related to the analysis of the role of Sharia insurance, primary and secondary data sources obtained from literature studies, techniques, and data collection are carried out through research reviews related to the role of Sharia insurance, and data analysis techniques are carried out descriptively. Based on the results of this study, it is explained that the mechanism of Sharia insurance is carried out according to the rules of the Islamic religion, including performing a tabarru contract among fellow insurance participants and helping if one of the participants gets a disaster. The role of Sharia insurance in the Indonesian economy is to find out how extensive the implementation of Sharia insurance funds is for people who have participated as participants in Sharia insurance, such as transferring a risk caused by a disaster as a defense for personal or family members and getting used to separating funds so that they can be managed in the future
A Study on Fraud Prevention in the Principles of Fiqh Dar'ul Mafasid Setiawan, Nanang
Islamic Micro Finance Journal Vol. 1 No. 2 (2024): Edisi II, Juni 2024
Publisher : Institut Agama Islam Al-Fatimah Bojonegoro

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Abstract

This paper aims to conduct an in-depth investigation of fraud prevention based on the principles of fiqh dar'ul mafasid. This research employs a qualitative literature review approach, drawing from books, scholarly journals, and other sources related to fiqh muamalah and fraud. The study is grounded in Islamic fiqh muamalah, which posits that preventing harm (mafsadah) is more crucial than obtaining benefits. Mafsadah encompasses all damages resulting from violations, and fraud is one form of mafsadah that must be prevented. Preventing fraud and complying with Islamic law's commands to avoid prohibitions also significantly impact the prioritization of preventing potential damage risks, both financially (maaliyah) and non-financially. This research enhances literacy and expands scientific insights regarding the fiqh muamalah review in Islamic law concerning fraud phenomena and its prevention programs.
The Impact of Customer Satisfaction Level on The Decision-Making Process on Customer Financing at The Baitul Mal Wa Tamwil UGT Sidogiri Blitar Branch Sulchan, Moch
Islamic Micro Finance Journal Vol. 1 No. 2 (2024): Edisi II, Juni 2024
Publisher : Institut Agama Islam Al-Fatimah Bojonegoro

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Abstract

The level of contentment in BMT Sidogiri is the driving force behind this research. It is important to bear in mind that other research has used various terms to characterize satisfaction levels. Still, it has not provided a specific definition of the level of satisfaction. The level of satisfaction significantly influences financing decision-making in this instance. The problem that this research aims to address is the impact of customer contentment on their financing decisions. The objective of the study is to investigate the impact of customer satisfaction on the decision-making process at Baitul Mal Wat Tanwil UGT Sidogiri Blitar. Quantitative research employs an associative approach in this investigation. Primary data was collected through the distribution of questionnaires in this study. Purposive sampling is employed in the sample data collection technique. In this investigation, 75 respondents were employed as samples. Validity and reliability testing, normality testing, and hypothesis testing comprise the data analysis methodology employed in this investigation. The analysis results indicate that customer financing decisions at Baitul Mal Wat Tanwil UGT Sidogiri Blitar are positively influenced by the level of satisfaction

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