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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 5 Documents
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Search results for , issue "Vol. 1 No. 3 (2024): Edisi III, Oktober 2024" : 5 Documents clear
Enterprise Risk Management in Detecting and Preventing Fraudulent Financial Statements Aulia, Ismi Fitri; Putri, Devi Lestari Pramita; Rahmaniyah, Rahmaniyah
Islamic Micro Finance Journal Vol. 1 No. 3 (2024): Edisi III, Oktober 2024
Publisher : Institut Agama Islam Al-Fatimah Bojonegoro

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Abstract

The occurrence of fraud is a challenge that every business entity will inevitably face. Historical phenomena of fraud scandals, such as those involving Enron and Worldcom, have demonstrated that robust internal control systems alone are insufficient in preventing fraud, particularly fraudulent financial statements. This study aims to explain how Enterprise Risk Management (ERM) plays a role in anticipating the adverse effects of fraudulent financial reporting. The research is based on a library study, with data gathered from literature sources such as books, encyclopedias, scientific journals, newspapers, magazines, and documents. The results of this study indicate that while ERM can effectively prevent and detect fraud, it is not entirely sufficient to prevent fraudulent financial statements. More effective prevention and detection require the presence and proper functioning of the eight components of ERM, which include the internal environment, objective setting, event identification, risk assessment, risk response, control activities, information & communication, and monitoring, within the organization
The Influence of Market Segmentation and Targeting on Purchase Decisions of Youth Angkringan Businesses in Wonodadi District, Blitar Sulchan, Moch; Rahmawati, Anis
Islamic Micro Finance Journal Vol. 1 No. 3 (2024): Edisi III, Oktober 2024
Publisher : Institut Agama Islam Al-Fatimah Bojonegoro

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Abstract

This study aims to determine the impact of market segmentation and targeting strategies on the purchasing decisions of Youth Angkringan enterprises in Wonodadi District, Blitar. The study investigates how these factors influence purchase decisions using a quantitative, associative research approach. The sample comprises 100 respondents, selected through a saturated sampling technique from the entire population. Primary data was collected via questionnaires distributed to Youth Angkringan businesses in the district. SPSS 23 was used to perform path analysis, with a significance level set at 0.05. The findings reveal that market segmentation has a significant and positive effect on the purchasing decisions of Youth Angkringan enterprises in Wonodadi District. Additionally, the target audience also plays a crucial and beneficial role in shaping purchasing decisions for these businesses
The Effectiveness of Implementing The Khalifatullah Fill Ardh Philosophy in Increasing Financial Transparency Uyun, Jamilatul; Kusuma, Nailah Aka
Islamic Micro Finance Journal Vol. 1 No. 3 (2024): Edisi III, Oktober 2024
Publisher : Institut Agama Islam Al-Fatimah Bojonegoro

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Abstract

Financial transparency is a crucial element of good governance and organizational accountability. One philosophy that can be applied to enhance financial transparency is the Khalifatullah Fill Ardh concept. This research aims to evaluate the effectiveness of the Khalifatullah Fill Ardh philosophy in improving financial transparency in mosques. The study employs a qualitative method with a descriptive approach, focusing on the Al-Ikhwan Mosque as its research object. The findings reveal that the takmir (management board) of the Al-Ikhwan Mosque has not effectively implemented the principles of the Khalifatullah Fill Ardh philosophy, which include the traits of apostleship (siddiq, amanah, tabligh, and fathanah). Moreover, financial management and accountability are centralized under the chairman of the takmir, resulting in insufficient financial transparency and accountability within the mosque. Future research is encouraged to explore the application of other principles of the Khalifatullah Fill Ardh concept to enhance financial transparency, using the same or different research objects
Analysis of the Role of Baznas Village Microfinance in Empowering the Economy of Micro-Entrepreneurs Among Mustahik Ubed, Fahrul; Mugiyati, Mugiyati
Islamic Micro Finance Journal Vol. 1 No. 3 (2024): Edisi III, Oktober 2024
Publisher : Institut Agama Islam Al-Fatimah Bojonegoro

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Abstract

Baznas Village Microfinance (BMD) is one of the programs initiated by the National Zakat Amil Agency (BAZNAS), designed to support mustahik micro-businesses in specific areas. BAZNAS is the official and sole institution established by the government under Presidential Decree No. 8 of 2001, tasked with collecting and distributing zakat, infaq, and alms (ZIS) at the national level. This research aims to analyze the Baznas Village Microfinance program in empowering the economy of mustahik micro-entrepreneurs. The study employs a qualitative approach through field research and literature review. Data collection methods include observation and interviews, which are then analyzed and presented qualitatively. The findings indicate that the Baznas Village Microfinance program significantly contributes to improving access to business capital, enhancing economic conditions, and providing entrepreneurship training for beneficiaries through the utilization of productive zakat funds. As a result, the program effectively empowers the economy of mustahik micro-businesse
Analysis of the Impact of Usury Practices on Economic Stability from an Islamic Perspective Nisa, Chairun; Hamidah, Nazala Zalfa; Kusumawati, Nabila Dhea; Taufikurrahman, Taufikurrahman
Islamic Micro Finance Journal Vol. 1 No. 3 (2024): Edisi III, Oktober 2024
Publisher : Institut Agama Islam Al-Fatimah Bojonegoro

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Abstract

This article examines the usury (riba) concept from an Islamic perspective and its implications for economic systems and social life. Riba, which means "excess" or "addition," is prohibited in Islamic teachings as it is considered a form of injustice and exploitation. Through an analysis of Quranic verses and Hadith, the article explains the theological and moral foundations behind the prohibition of riba. It also explores various types of riba, including riba nasiah (interest on loans) and riba fadl (unequal exchange of similar goods), as well as their impact on individuals and society. In the modern context, the article highlights the challenges Muslims face in avoiding riba amidst a global financial system dominated by interest. Proposed solutions include strengthening Islamic financial systems and educating communities on the importance of fair and riba-free transactions. This study aims to raise awareness about the dangers of riba and promote the implementation of Islamic economic principles in daily life

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