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Al-Infaq : Jurnal Ekonomi Islam
Published by Universitas Ibn Khaldun Bogor
ISSN : 20872178     EISSN : 25796453     DOI : https://doi.org/10.32832/alinfaq
Core Subject : Economy, Education,
Economics, Econometrics & Finance Education Mathematics
Al-Infaq : Jurnal Ekonomi Islam published twice a year since 2010 (June and December), is a multilingual (Bahasa and English), peer-reviewed journal, and specializes in Islamic Economic. This journal is published by the Islamic Economic Department, Faculty of Islamic Studies, and Doctoral Program of Islamic Economic, Graduate School, Ibn Khaldun University of Bogor, in partnership with Ibn Khaldun University of Bogor, Indonesia, in partnership with Masyarakat Ekonomi Syariah (MES) Wilayah Bogor. Editors welcome scholars, researchers and practitioners of Islamic Economic around the world to submit scholarly articles to be published through this journal. All articles will be reviewed by experts before accepted for publication. Each author is solely responsible for the content of published articles.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 183 Documents
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THE ROLE OF ZAKAT IN REALIZING SUSTAINABLE DEVELOPMENT GOALS (SDGs) TO INCREASE COMMUNITY ECONOMIC INCOME Anisa, Yulia; Mukhsin, Moh.
Al-Infaq: Jurnal Ekonomi Islam Vol. 13 No. 2 (2022)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

This study confirms the role of Zakat, Infak and Alms in achieving sustainable development goals in Indonesia. The Goals of Sustainable Development are goals jointly agreed by the member states of the United Nations (UN) with the aim of bringing prosperity and a decent life to all citizens. Of course, this is consistent with the purpose of zakat in Islam as a means of distributing funds from those who have too much wealth to those who have little wealth. Therefore, the purpose of this study is to see how much role zakat, infoac and almsgiving play in helping Indonesia achieve its SDG goals. Based on the results of the analysis carried out, it is clear that Zakat, Infak and charities actively participate in the five pillars of the program to achieve its sustainability goals in Indonesia. Economy, Health, Education, Da'wah, Social Humanity. Zakat, Infaq and Alms play a key role in financing the eight goals of Zakat recipients. (1) fakir, (2) miskin, (3) amil, (4) muallaf, (5) hamba sahaya, (6) Gharimin, (7) fii sabilillah, (8) ibn sabil. Play the biggest role in achieving the Sustainable Development Goals: Poverty, hunger, good health and quality education.
SUMBER DAYA ALAM DAN ZAKAT SEBAGAI KEBIJAKAN FISKAL SYARIAH UNTUK KESEJAHTERAAN RAKYAT Rudianto, Sofiyan; Tanjung, Hendri; Ayuniyyah, Qurroh
Al-Infaq: Jurnal Ekonomi Islam Vol. 13 No. 2 (2022)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

Indonesia adalah negeri yang memiliki potensi kekayaan sumber daya alam dan penerimaan zakat yang besar, namun ternyata masih banyak rakyatnya hidup dalam kemiskinan. Di sisi lain negara terus mengandalkan pajak sebagai sumber utama penerimaan negara yang akan semakin menyengsarakan rakyat. Oleh karena itu penelitian ini dilakukan untuk mengetahui bagaimana konsep pengelolaan sumber daya alam dan zakat sebagai kebijakan fiskal syariah agar mampu mewujudkan kesejahteraan rakyat di Indonesia. Metode penelitian yang digunakan adalah deskriptif analitif. Dalam penelitian ini, ditemukan potensi penerimaan negara yang sangat besar dari sumber daya alam sebesar Rp18.918 triliun dan zakat sebesar Rp327,6 triliun. Namun potensi penerimaan yang besar ini hanya akan mampu memberikan kesejahteraan kepada rakyat apabila dikelola berdasarkan syariah, yaitu apabila seluruh sumber daya alam dan zakatdikelola oleh negara, sehingga seluruh hasilnya akan menjadi penerimaan negara (Rp19.246 triliun). Inilah yang dimaksud dengan kebijakan fiskal syariah. Adapun indikator kesejahteraan rakyat adalah terjaminnya pemenuhan kebutuhan pokok setiap individu (sandang, pangan dan papan) serta terpenuhinya kebutuhan pokok rakyat (pendidikan, kesehatan dan keamanan). Dengan potensi penerimaan yang besar dan dikelola dengan berdasarkan kebijakan fiskal syariah, maka sumber daya alam dan zakat akan mampu mewujudkan kesejahteraan rakyat.
ANALISIS DAMPAK ZAKAT TERHADAP KESEJAHTERAAN MUSTAHIK Purnama, Andika; Tanjung, Hendri; Ayuniyyah, Qurroh
Al-Infaq: Jurnal Ekonomi Islam Vol. 13 No. 2 (2022)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

Diantara instrumen yang digunakan islam dalam upaya pengentasan kemiskinan dan pensejahteraan umat, ialah zakat, infaq, dan shadaqoh. Indonesia meiliki potensi pemasukan keuangan yang sangat besar dari zakat. Pada tahun 2020 saja misalnya, potensi zakat yang ada di Indonesia senilai Rp 327,6 Trilyun. Instrumen zakat inilah yang diharapkan menjadi solusi dalam peningkatan kesejahteraan dhuafa. Namun, efektivitas dan efisiensi program-program Badan dan lembaga Amil Zakat belum dapat diukur. Penelitian ini dilakukan untuk mengetahui apakah ada atau tidak dampak zakat dalam membentuk kesejahteraan mustahik. Penelitian ini dilakukan pada studi kasus pengelolaan zakat di BAZNAS Kota Pangkalpinang dengan jumlah sampel 50 orang mustahik. Tekhnik/metode analisis dan pengolahan data berupa pendekatan kuantitatif, studi lapangan dengan pengisian kuesioner serta wawancara kepada para mustahik. Datadiuji dengan Uji Validitas dan Reabilitas, sedangkan pengujian hepotesis dilakukan dengan Uji-t Statistik Berpasangan. Hasil penelitian dan analisis data, didapatipeningkatan pendapatan rata-rata rumah tangga sebelum dan sesudah bantuan zakat dengan rata-rata pendapatan sebelum zakat sebesar, Rp 1.110.000 menjadi Rp 1.492.241. Begitu juga dengan spiritual mustahik. Didapati peningkatan skor 10% pada tiap-tiap skor ibadah mustahik. Berdasarkan Model CIBEST, keadaan mustahik setelah adanya bantuan zakat mengalami perubahan.
WHAT DRIVES USERS OF FINANCIAL TECHNOLOGY TO DONATE DURING THE EARLY STAGE OF PANDEMIC? Kartika, Tika; Ahmad, Abdul Razaq; Hakim, Nurman
Al-Infaq: Jurnal Ekonomi Islam Vol. 13 No. 2 (2022)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

The COVID-19 pandemic has triggered people to make massive use of fintech. This fintech adoption increases the level of Islamic financial literacy. Fintech-based social finance services are no exception. This study aims to capture the initial development of the use of fintech for philanthropic purposes by using a qualitative-descriptive method with a literature study and content analysis approach. The results of the study show that within the time the article was published, there was a gradual increase in user awareness of the need to adopt fintech. Before the time of the pandemic, awareness of fintech adoption remained low. After 2019, based on historical studies and its evolution in Islamic fund management, it is predicted that fintech will have great potential going forward. The profile of fintech service users will increase in the baby-boomer generation. Generation X and Z consumers will play a significant role in the global economy, while the millennial generation is bringing major changes to the behavioural demographics and user expectations for fintech services. Moreover, fintech services emerged in Indonesia using the Agricultural Value Chain Financing (AVCF) approach, namely a platform that improves agricultural-based product services for consumers and provides more flexible financial assistance for AVCF players. On the social finance side, almost all of the respondents knew about fintech, and they agreed that fintech offers a lot of conveniences and benefits. Fintech increases the intention of Muslim millennials to donate easily, even though not all agree and are comfortable using fintech to donate. In 2020, the phenomenon of Islamic Fintech emerged, and it was found that perceptions of benefits and convenience, behavioural intentions, as well as trust, are determinants of using fintech for philanthropic purposes.
ANALISIS KEPATUHAN SYARIAH DALAM PRODUK SIMPANAN DAN PEMBIAYAAN PADA BMT KHONSA Lestari, Monika Ayu; Azizah, Siti Nur; Inayati, Nur Isna
Al-Infaq: Jurnal Ekonomi Islam Vol. 14 No. 1 (2023)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

Kepatuhan syariah merupakan cermin kesyariahan sebuah lembaga keuangan berbasis syariah, untuk mengetahui seberapa kepatuhan syariah sebuah lembaga maka dilihat dari implementasi. Penelitian terhadap implementasi kepatuhan syariah terhadap produkproduk pada BMT Khonsa merupakan cara untuk mengetahui sejauh mana kepatuhan syariah yang dijalankan. BMT sebagai lembaga keuangan syariah tentunya dalam pelaksanaanya harus patuh terhadap ketentuan-ketentuan syariah. Metode yang digunakan dalam penelitian ini yaitu dengan wawancara, observasi, dan dokumentasi dengan pendekatan kualitatif. Hasil dari penelitian ini dapat disimpulkan bahwa implementasi kepatuhan syariah terhadap produk-produk pada BMT Khonsa sudah terlaksana dengan baik sesuai dengan aturan yang berlaku.
ISLAMIC ECONOMIC PUBLICATIONS IN THE DEVELOPMENT OF FINANCIAL SYSTEM STABILITY RESEARCH: A BIBLIOMETRIC ANALYSIS Firmansyah, Irman
Al-Infaq: Jurnal Ekonomi Islam Vol. 14 No. 1 (2023)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

This study aims to determine the role of Islamic economic publications in developing research on financial system stability through mapping research results. This research was conducted on journal articles indexed by dimensions.ai from 2017 to 2021. The analysis was carried out by bibliometrics using the R Biblioshiny software. The results show that non-Islamic economic journals dominate the development of journals that publish the theme of financial system stability. There is only one journal that is most relevant to the theme of financial system stability in Islamic economics and is in the top 20, namely "Journal of Islamic Monetary Economics and Finance". Likewise, only one journal that has a major impact on Islamic economics is the "International Journal of Islamic and Middle Eastern Finance and Management". The most relevant writers on the theme of financial system stability are Li J, Wang Y, Zhang J, and Zhang Z. However, the most productive is Li J and the one with the biggest impact is Chen Y. Then the country with the most citations is Hong Kong followed by the USA and India. Research with this theme is predicted to increase again in the years to come and is related to the impact of the COVID-19 pandemic. Meanwhile, the system has not detected the relationship with the Islamic economy.
QARDHUL HASAN'S CONTRACT AT ISLAMIC MICROFINANCE INSTITUTIONS: A MANAGEMENT AND EVALUATION STUDY Alam, Azhar; Sidiq, Achmad Fajar; Nurrahman, Aditya
Al-Infaq: Jurnal Ekonomi Islam Vol. 14 No. 1 (2023)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

This research details the Qardhul Hasan funding, administration, and assessment system. Six respondents were interviewed for this study, four from BMT Bina Umat Mandiri (managers, DPS members, secretaries, and customer service) and two from other customers. This research found that Qardhul Hasan is funded from Zakat, Infaq, Alms, Member Savings, and the Remaining Operating Results. Furthermore, most people who apply for this type of funding are in the education and trading sectors. Based on our analysis, the weaknesses of this financing lie in the distribution of human resources and the scarcity of available cash; To address these issues, we propose surveying consumers to collect reliable data and encourage individuals to save more proactively. Qardhul Hasan has a severe money shortage, but member savings are steadily growing and might help alleviate the crisis. While this funding can be used to serve others, oppose usury institutions, and please Allah. BMT Bina Umat Mandiri's follow-up plan involves employing member savings to create and enhance the quantity of cash for supporting Qardhul Hasan, expanding its reach in its mission to aid people. Management studies reveal that Qardhul Hasan funding at BMT Bina Umat Mandiri is not being redistributed to company capital but is being used to reduce the financial burden of healthcare and education on the local population.
BANK INFAQ: RISK MANAGEMENT IN THE PROVISION OF UMKM CAPITAL DURING COVID-19 Purnomo, Agus; Maulida, Atika Zahra
Al-Infaq: Jurnal Ekonomi Islam Vol. 14 No. 1 (2023)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

Bank Infaq is an Islamic public financial instrument that has economic empowerment activities. Infaq fund collection is carried out by infaq banks offline and online. This research was conducted to reduce risk and provide solutions to reduce the risk of jamming in the provision of business capital during the covid 19 pandemic. The study used qualitative methods by conducting interviews with the management, collection, and distribution of infaq funds. In collecting research data using the purposive sampling technique, the researcher takes data according to the categories that have been determined by the researcher at random. The analysis of the research results explains the collection, distribution, and risk management in providing UMKM business capital. Infaq funds collected by infaq banks have increased every year. Infaq funds will be channeled in economic empowerment activities such as providing business capital to UMKM actors affected by COVID 19. The distributed business capital will be monitored and evaluated to reduce the risk of default (bad credit).
ANALYSIS OF ISLAMIC ECONOMIC DEVELOPMENT BASED ON BOARDING SCHOOLS IN THE CITY OF BANJAR Munandar, Eris
Al-Infaq: Jurnal Ekonomi Islam Vol. 14 No. 1 (2023)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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This research aims to analyze the development of Islamic economics in Islamic boarding schools in Banjar City. The research method used is qualitative with a descriptive analysis approach, and the sample consists of 45 Islamic boarding school institutions taken using the saturated sampling method. The study results indicate that Islamic economics development in Islamic boarding schools in Banjar City is generally good in several aspects. However, there are still three aspects that are not optimal, namely the lack of activities on Islamic economic/financial studies, the absence of Islamic economic/zakat/financing institutions, and not being involved in the socialization/promotion of Islamic economic and financial products in Banjar City. The indicators of the perception of Islamic boarding school leaders towards Islamic economics and their contribution to the development of Islamic economics are good, but the mentoring of society trapped in loan sharks still needs to be improved.
RESEARCH MAPPING ON CREDIT RISK IN ISLAMIC AND CONVENTIONAL BANKING Budianto, Eka Wahyu Hestya
Al-Infaq: Jurnal Ekonomi Islam Vol. 14 No. 1 (2023)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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This study aims to determine the development of research around credit risk in Islamic and Conventional Financial Institutions. The research was conducted from 1975 to 2022 by searching national and international journals indexed by Google Scholar, Sinta, and Scopus via the Perish/Harzing application with the keyword "Credit Risk." Based on the search results, there were 1139 research articles, then inputted into the VOSviewer application and analyzed descriptively through a literature review study. The results showed that the number of publications had increased significantly every year. Furthermore, based on the results detected using the VOSviewer application, research related to credit risk is divided into 5 clusters. Meanwhile, based on the results of a literature review study, there are 13 main themes related to credit risk in Islamic and Conventional Banking.

Page 12 of 19 | Total Record : 183

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