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Mohammad Rosyada
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Jl. Pahlawan KM. 5 Kajen, Kabupaten Pekalongan, Jawa Tengah, Indonesia
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International Journal of Islamic Business and Economics (IJIBEC)
Published by Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan
ISSN : 25993216     EISSN : 2615420X     DOI : https://doi.org/10.28918
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Environmental Science
Focus: Islamic Economics and Small and Micro Enterprises Scope: The scope of this journal encompasses the integration of Islamic Economics especially on Small and Micro Enterprises (SMEs) and local economies. It focuses on: 1.Analyzing the influence of Islamic values on consumer perceptions, preferences, and behaviors. 2. Application of Islamic economic principles for the growth of MSMEs and local economies. 3. Evaluation of the contribution of Islamic financial institutions such as Sharia banks, waqf, and other Islamic financial practices in supporting MSMEs. 4. Investigation into communication, branding, and distribution strategies grounded in Islamic principles. 5. Comprehensive literature reviews and empirical studies including case studies on consumer preferences and Islamic economic practices in sectors like halal food, halal tourism, Muslim fashion, and halal beauty products. 6. Analysis of policies and regulations that facilitate the implementation of Islamic economic principles in local economic growth. 7. Methodological approaches such as surveys, interviews, observations, field studies, and quantitative data analysis to assess the impact of these strategies on customer loyalty, business success, and economic prosperity. 8. Openness to exploring additional themes related to Islamic economics.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 116 Documents
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Evaluating Efficiency of Zakah Institutions: An Intermediation Approach Using Data Envelopment Analysis (DEA) Rismayanti; Sepky Mardian; Mustafa Kamal; Rianti Pratiwi
International Journal of Islamic Business and Economics (IJIBEC) Vol 5 No 1 (2021): Volume 5 Nomor 1 Tahun 2021
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v5i1.2864

Abstract

This  paper  analyzes the  efficiency of Badan Aml Zakat Nasional (BAZNAS) and Dompet Dhuafa  from 2002 to 2018. Based on  selected input and output, the intermediary approach assumes that BAZNAS and Dompet Dhuafa  act  as  a link between muzakki (giver) and beneficiaries. Furthermore, BAZNAS and Dompet Dhuafa were selected  as  decision-making  units  (DMU)  from  2002  to  2018, and their efficiency  was  measured using  Data  Envelopment  Analysis  (DEA)  method  under  output-orientation with Constant Return to Sclae (CRS) and Variable Return to Scale (VRS) assumptions. The results showed both BAZNAS and Dompet Dhuafa raise the optimum efficiency in the years before 2007. Meanwhile, their inefficiency was mostly due to lack of input such as higher personalia (amil/volunteers) expenses. Therefore, these  findings  suggests  that  both  technical  and  scale efficiency should be improved  by adjusting the input. This is to achieve the most efficient and productive  level of performance in order to fulfill the institutions' objectives as an intermediary between muzakki and the beneficiaries. This paper is among the pioneers that analyzed the efficiency of zakat institutions from their initial establishment to present. Also, existing papers examined data spanning 5 years or less. Hence, long duration of data analysis provides a comprehensive evaluation of fluctuations in the zakat institutions'  efficiency and their supporting or inhibiting factors..
A Measurement Model of Successful Muslim Entrepreneur Efri Syamsul Bahri; Jauhar Ali; Mohd Mizan Mohammad Aslam
International Journal of Islamic Business and Economics (IJIBEC) Vol 5 No 1 (2021): Volume 5 Nomor 1 Tahun 2021
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v5i1.3611

Abstract

Approximately 1.4 billion of the world's population lives on less than USD 1 per day, and since 50% of the poorest people are in Muslim countries, the solution is to increase successful Muslim entrepreneurs. Hence, this study aims to create a conceptual model through a literature review and descriptive-qualitative approach. These were employed to determine the indicators of successful Muslim entrepreneurs and the expected factors required to provide a positive and significant effect. Meanwhile, four factors and indicators, each considered to influence successful Muslim entrepreneurs, were identified. Subsequently, the results obtained were conceptual papers and hypotheses that required testing to ensure correctness. It was also used to produce new constructs validated for the individuals and communities of Muslim entrepreneurs. Therefore, this conceptual model is hoped to motivate new, future research and has also been enhanced as a pioneer that has attempted to construct a model for successful Muslim entrepreneurs. Finally, a conceptual model was created, which is the initial contribution to solving poverty among the Muslim population in the world..
The Intention of Millennial Generation in Paying Zakat through Digital Payments Muhammad Daniyal Al Athar
International Journal of Islamic Business and Economics (IJIBEC) Vol 5 No 1 (2021): Volume 5 Nomor 1 Tahun 2021
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v5i1.3675

Abstract

The zakat management organization (OPZ) is currently making innovations in accordance with technological developments, namely by making it easier to pay zakat through digital payments. One of the groups of people who use digital payments is the millennial generation. Millennial generation is also known as the generation who likes things that are easy and related to technology. The purpose of this study is to analyze how the millennial generation intends to pay for ZIS through digital payments. The method used in this research is logistic regression. The results showed that the variable trust, perception variable and convenience variable had a significant influence on the intention of the millennial generation to pay ZIS through digital payments, while knowledge and motivation had an insignificant effect. This research has implications for OPZ to make android and ios-based applications to pay Zakat, infaq and shadaqoh..
Interest Free Banking in Ethiopia: Customer Awareness, Satisfaction and its Role on Economic Development Debebe Alemu Kebede
International Journal of Islamic Business and Economics (IJIBEC) Vol 5 No 1 (2021): Volume 5 Nomor 1 Tahun 2021
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v5i1.2566

Abstract

This study is aimed at evaluating the customer’s awareness and satisfaction toward Interest-free Banking and its role on Ethiopia economic development with some selected Commercial Bank in Ethiopia. This method achieves the aim of the study the primary data was collected from Customers and Managers of the selected banks by using convenience method through questionnaire and interview. While, secondary data was collected by compiling and summarizing the bank’s Annual reports and Journals. The collected data was analyzed in descriptive and inferential analysis. The finding of the study depicts as low customer awareness regarding Interest-free Banking services except the Interest-free Banking account holders. Further, majority of Interest-free Banking account holders are more or less satisfied with the current Interest-free Banking services provided since, it can  potentially  serve as  an  alternative  banking  channel  in  filling  the  gap  left  unaddressed  by  conventional  banking  and economic  development in relation to idle  monetary  resource  mobilization  and  allocation,  inviting  to  use  banking system, creating employment opportunity, supporting GDP growth and assisting in stabilizing crisis and arresting inflation. Impact on the study result as Interest Free Banking have its own role on the country economic development through mobilizing the idle monitory resource, allocating the monitory resource, creating employment opportunity, and inviting to the banking system. it recommended as the banks should make aggressive promotion for customers out of Muslim customers, the government has to support and should give more emphasis to enable Interest Free Banking service, promote Interest Free Banking which can help assist the economy in stabilizing economic crisis and arresting inflation.
Incentive Zakat Agency Mechanism, a Comparison between Indonesia and Malaysia Dodik Siswantoro; Nurzaman, Mohammad Soleh; Abdul Ghafar Ismail; Agus Munandar
International Journal of Islamic Business and Economics (IJIBEC) Vol 5 No 1 (2021): Volume 5 Nomor 1 Tahun 2021
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v5i1.3067

Abstract

the objective of the research is to compare the incentive zakat agency mechanism between Indonesia and Malaysia. In Indonesia, private institutions are permitted to collect zakat and have the agency to support zakat collection, while in Malaysia only state institution collects zakat. To enhance zakat fund collectability, they need agencies located in specific institutions. However, both countries share a similar mechanism of incentive zakat agency allocation. The method of the research is based on a qualitative study. Some respondents are questioned and interviewed on a specific topic of incentive zakat agency mechanism. The result shows that the agency mechanism in private zakat institutions in Indonesia is more flexible than Malaysia. The agency is authorized to get zakat allocation to be disbursed to surrounding zakat recipients and develop the allocation report. On the other hand, a zakat rebate can be a supporting factor for Muslims to pay zakat more in Malaysia than in Indonesia.
Do Funeral Funds Managed by Informal Institutions Comply with Microtakaful Principles? Achmad Firdaus; Erwita Triana Dewi; Ratna Komalasari
International Journal of Islamic Business and Economics (IJIBEC) Vol 5 No 1 (2021): Volume 5 Nomor 1 Tahun 2021
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v5i1.3574

Abstract

Originality of the research – Research on funeral funds on a homeowner association has never been performed before. Meanwhile, previous studies on the funeral fund in insurance companies, 'rukun kematian,' and mosques are used as a reference. Research objectives - The research aims to analyze whether the funeral funds managed by informal institutions correspond with the micro takaful principle. Methods – A descriptive analysis is used by comparing the survey in two groups, namely residential and village areas, of 31 communities spread across Java Island. The research variables developed include calculation, collection method, and amount of funeral fund contribution, alongside the calculation and amount of benefits. Result – Although the funeral funds' variables have not fulfilled the micro takaful principle, there are interesting findings. These include that the calculation of contribution for the two groups, namely the residential and village areas, is performed by mutual agreement through community deliberations. In the village, the collection method is by direct payment from members of the public to the officers, which is different from the residential areas, where it is picked up by the officers. Furthermore, the amount of funding contributions to the community in the villages is around Rp. 3.001 and Rp. 5,000, while the total is over Rp. 10,000 in residential areas. Practical implications - The informal funeral funding scheme (IFFS) has become a mutually beneficial culture of Indonesian society, which fosters strong humanity and brotherhood. This scheme can be formulated in micro-takaful cooperatives to ensure that the benefits trickle down for every member of the community, including Muslims and non-Muslims.
joint Liability Based Financing To Prevent Non-Performing Financing In Bank Wakaf Mikro purwanto, purwanto
International Journal of Islamic Business and Economics (IJIBEC) Vol 6 No 1 (2022): Volume 6 Nomor 1 Tahun 2022
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v6i1.4361

Abstract

The Indonesian government has made various efforts to reduce it, one of which is establishing a Micro Waqf Bank. The focus of the establishment of the Bank Wakaf Mikro is to empower the poor by providing assistance and providing microfinance for productive activities. Interesting to assess is the financing mechanism applied, namely joint liability (tanggung renteng). The purpose of this study is to examine whether joint liability-based financing can prevent non-performing financing. Data were collected from 215 respondents from Micro Waqf Bank customers in Magelang Regency. Data analysis was carried out statistically by using Structural Equation Model (SEM) Partial Least Square. The results show that joint liability-based financing has a significant effect in preventing non-performing financing. This means that joint liability based on Bank Wakaf Mikro can prevent defaults or non-performing financing. .
WAQF INSTITUTION AND MANAGEMENT CASH WAQF DURING THE OTTOMAN PERIOD iskandar
International Journal of Islamic Business and Economics (IJIBEC) Vol 6 No 1 (2022): Volume 6 Nomor 1 Tahun 2022
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v6i1.4851

Abstract

This paper discussed the implementation and management of cash waqf during the Ottoman Empire which had controlled parts of the mainland from Europe to Africa. During the reign, waqf has become an instrument that is very successfully implemented in various sectors such as religion, education, social, and health. Even the war equipment also has been funded from waqf. Waqf assets continued to increase and not only provided facilities for public but also assisted people who need capital to do business. Nazir as waqf institution (individual or institution waqf manager) have administered waqf with different schemes, such as providing loans in the form of qard hasan, mudharabah, bai’ul-inna, and bidaa. Management waqf institutionally was evaluated by the government in 1823, this evaluation led to the reformation of waqf institution and founded the new waqf institution which was known as Evkaf-I Hümayun Nezareti. This institution was the Ottoman sovereign wealth fund which functioned to manage all waqf assets. All waqf assets, as well as cash waqf, are managed by this institution with various schemes that are not much different from what has been done before. However, in this period the management of cash waqf was only carried out by this institution as the authority for managing waqf assets. The management of waqf assets under this institution lasted until the end of the Ottoman Turkish government.
Contribution of Local Wisdom as a Halal Tourism Attraction Abdul Ghofur; Ismanto, Kuat
International Journal of Islamic Business and Economics (IJIBEC) Vol 6 No 1 (2022): Volume 6 Nomor 1 Tahun 2022
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v6i1.5199

Abstract

The purpose of this paper is to analyze the contribution of local wisdom as a halal tourism attraction. This research is carried out with a qualitative research framework. Primary research data is collected by qualitative research methods, namely through observation, interviews, and documentation. Secondary data is obtained through the assessment of articles, books, research reports, documents, and other sources that are valid and support the theme of the research. Observations are carried out in the region and tourist attractions, while interviews are conducted to the Tourism Office and the managers of tourist attractions, communities, and tourists. The collected data is analyzed descriptively qualitatively. The results of this study show that Pekalongan City has the prospect of becoming a halal tourism destination because it has fulfilled the components of halal tourism (attractions, access, amenities, communication, environment, supporting facilities, and celebration). On the other hand, the attractions and attractions owned by Pekalongan City are interesting and diverse. Pekalongan City has a distinctive and unique local wisdom and can be an object and attraction of regional tourism. In addition, it is also supported by community security and creativity activities that support local wisdom as a tourism attraction. Culture, Islamic traditions, and local wisdom in Pekalongan City have not been maximally packaged into tourist attractions. The implication of this study is that the packaging of local wisdom into a tourist attraction will contribute to the development of regional tourism. The abandonment of local wisdom as a regional tourism attraction will negate Indonesia which is rich in cultural diversity as a differentiator with other countries in the field of halal tourism.
ECONOMIC RECOVERY PROGRAM POST COVID-19 AT MODERN ISLAMIC BOARDING SCHOOLS (PESANTREN) risanda
International Journal of Islamic Business and Economics (IJIBEC) Vol 6 No 1 (2022): Volume 6 Nomor 1 Tahun 2022
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v6i1.3692

Abstract

The things which need to be considered in pandemic is the economic sector recovery mechanism as a result of the Pembatasan Sosial Skala Besar policy, this research aims to build and develop a economic recovery program which is ideal for micro-businesses adopt especially pesantren in Semarang City, namely Smart Tren Program. This research uses an exploratory qualitative approach. Data sources obtained through observation, interviews and literature studies. The implementation of the Smart Tren Program is expected to: (1) increase the trust of existing customers and gain new potential customers; (2) renewal in the application of sophisticated technology in marketing; (3) expanding the market share of its superior products; (4) increasing the competitiveness of Islamic boarding schools in empowering the economy of the people. The success of this program will be determined by the seriousness of each stakeholder in carrying out this program in five stages, including: (1) data collection on the membership of Islamic boarding schools in Semarang City; (2) registering an account on the Smart Trends Program as a buye and a seller; (3) the product curration to ensuring that the products to be displayed in the Smart Trends Program have good quality and clear and complete product information; (4) Searching, ordering, paying, and shipping products from the required pesantren business unit.

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