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IJIBE (International Journal of Islamic Business Ethics)
Published by Universitas Islam Sultan Agung
ISSN : 25020633     EISSN : 25024647     DOI : 10.30659/ijibe
Core Subject : Economy,
Economics, Econometrics & Finance
International Journal of Islamic Business Ethics (IJIBE) is a publication medium of research results in the field of Islamic business ethics. Islamic business ethics is a concept of business which based on Islamic values and principles. It is guidance for business actors to know what is right or wrong from Islamic perspective. This is aimed for the benefit of people and the welfare of broader community for either the present or the future.
Arjuna Subject : Psikologi - Psikologi (Lain-Lain)
Articles 7 Documents
 1 
Search results for , issue "Vol 1, No 1 (2016): March 2016" : 7 Documents clear
IMPROVING FINANCIAL EDUCATION TO THE POOR AT THE BOTTOM-OF PYRAMID: THE ROLE OF SOCIAL FINANCE VIS A VIS FINANCIAL INSTITUTIONS Laily Dwi Arsyianti; Salina Kassim
IJIBE (International Journal of Islamic Business Ethics) Vol 1, No 1 (2016): March 2016
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.1.1.44-52

Abstract

This paper aims to explore the role of Islamic social finance and financial institutions in contributing towards improving financial inclusion through financial education among the poor. While there have been a lot of efforts undertaken by financial institutions, especially microfinance institutions, to achieve the financial inclusion agenda, the financial inclusion programs would normally require high operational costs which many financial institutions would consider them as not commercially viable. The costs thenare transferred back to the customers, resulting in the financing/ credit cost higher than commercial financial institutions. As a result, incidences of bankruptcyincrease when the cost of credit is higher. Thus, financial education is essential for average family in managing their day to day financial resources. While financial institutions keep busy with financial inclusion agenda and trying to find the best way without disturbing their core business agenda, Islam offers social finance institution (amil and nadzir) as the solution to this problem.
THE EMPOWERMENT MODEL OF CASH WAQF TO IMPROVE EDUCATION QUALITY IN ZAKAT INSTITUTIONS Sri Herianingrum; Tika Widiastuti
IJIBE (International Journal of Islamic Business Ethics) Vol 1, No 1 (2016): March 2016
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.1.1.53-65

Abstract

Islam has many solutions in addressing the issue of limitations in education. That is cash waqf. Cash waqf, is expected to narrow the gap between rich and poor society by means of transfering of wealth (the profits from managing cash waqf) from rich to poor. The purpose of this study is to analyze the cash waqf empowerment model in an effort to improve the quality of education. The method is done by in depth-interview with the boards (Leader and Manager program) of Yatim Mandiri, administrators of YKN (Independence Nusantara Foundation), and the staffs of Insan Cendekia Mandiri Boarding School. Limitation of this paper is to investigate the three institutions of zakat mentioned earlier. The results showed that waqfin the form of movable or immovable objects can be utilized and provide benefits to the society. The role of waqf, especially in improving the quality of education, is still limited to the purchase of land. The land is used for institution building of Insan Cendekia Mandiri Boarding School. There is a model of cashwaqf empowerment in the institution of zakat (Yatim Mandiri) that can be replicated in other institutions of zakat. The structure of this paper are: Section 1 describe the development of cash waqfin Indonesia; Section 2 is literature review about cash waqf; Section 3 explain the research model used in this paper; Section 4 is discussion; and the last Section 5 is the authors conclusion and authors recommendation to improve the empowerment of cash waqf.
CORPORATE FINANCING BEHAVIOUR OF SHARIAH COMPLIANT E50 SMEs. A PANEL DATA APPROACH OF GMM. Razali Haron
IJIBE (International Journal of Islamic Business Ethics) Vol 1, No 1 (2016): March 2016
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.1.1.66-79

Abstract

Motivated by the recent outstanding growth of Islamic Finance in Malaysia, this study aims to investigate the debt financing behaviour of Shariah compliant E50 SMEs in Malaysia covering the existence of target debt, speed of adjustment and factors affecting the adjustment speed to target debt from 2009 to 2013. The Shariah Advisory Council (SAC), has set up certain standard of parameters as guidelines and carried out periodical monitoring in classifying Shariah compliant securities like the prohibition of activities that involve interest (riba), gambling (maisir), uncertainties and speculative trading (gharar). The dynamic model employed and estimated using the Generalized Method of Moment (GMM). Under the dynamic model, the observed debt of a firm should be equal to its optimal debt. However, with the presence of adjustment cost, a firm performs only a partial adjustment to be at the target debt. The model revealed certain determinants significantly influence target debt financing. The positive relationship between tangibility and capital structure yielded in this study enhances Shariah imposition that debt must be asset-backed which means a firm operating under Islamic principles cannot have debt exceeding the tangible assets. This study contributes to the literature and fills the gap by exploring into a relatively new area of debt financing which is the dynamic aspects and also help to enhance the understanding on debt financing behaviour of Shariah compliant SMEs in Malaysia.
DETERMINANTS OF ABANDONED HOUSING PROJECTS IN MALAYSIA Dzuljastri Abdul-Razak
IJIBE (International Journal of Islamic Business Ethics) Vol 1, No 1 (2016): March 2016
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.1.1.1-12

Abstract

The issues of abandoned housing projects are not new in Malaysia.Without proper measures to tackle, they will continue to haunt homebuyers. This study examines responses of 328 customersobtained bymeans of self-administered questionnaires. Four variables namelylack of justice and equity, methods of computing and pricing, natureof contract and lack of legal and governance were used as variables.The results indicated that all the hypothesized relationships aresupported. Of these, the nature of contract was found to be the maincause of the problem. The results contributes to the scanty empiricalresearch in this area. It also benefits managers of Islamic banksto address issues that are affectingabandoned housing projects inMalaysia.
ISLAMIC GROUP LENDING MODEL (GLM) AND FINANCIAL INCLUSION Abrista Devi; Aam Rusydiana
IJIBE (International Journal of Islamic Business Ethics) Vol 1, No 1 (2016): March 2016
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.1.1.80-94

Abstract

The lack of capital access from poor society to Indonesia banking is greater. These all are caused by poor society don’t have enough collateral which is requested by bank officer to get loan. Non-bank financial institution is one of micro-financial institution which has covered all of poor society and also maximizing the existency of UMKM, include social model credit capital (GLM). The aim of this study to see the form of Group Lending Model (GLM) and its’ impact to their members social structure. This research also tries to give the  solutions such as the first GLM development strategy in other to be more effective and efficient. The methods used are Structural Equation Modeling (SEM) and Interpretaive Structural Modeling (ISM). Based on the measurement of some indicators there are the participation indext of society, society development, good repayment rate, good cross reporting, and penalty implications appropriate with the regulations. The results show that GLM programme, the society feel the  differenciation from the economic and social condition between before and after following this programme. This is valuable invention for economic studies. GLM development strategy are devided into 7 levels with its important elements are : the needy of similiarity fund access for all of financial institution. The needy of human resource quality development as the pioneer of group lending model, and the importance of inclusive financial to all financial system.
TRANSFORMATION OF CHARITIES BY ISLAMIC SOCIAL MOVEMENTS IN YOGYAKARTA, 1912-1931: A HISTORY OF ISLAMIC WEALTH MANAGEMENT Ghifari Yuristiadhi; Bambang Purwanto
IJIBE (International Journal of Islamic Business Ethics) Vol 1, No 1 (2016): March 2016
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.1.1.13-27

Abstract

This article was written in order to find a model of the development ofIslamic charities organized by bumiputera in the early 20th century inYogyakarta. This socio-economic history research using historical research methods that utilize primary sources such as archives, photographs, books and newspapers as well as the contemporary of secondary sources such as books, journals, and articles. The conclusion of this article is that the presence of transformation of charities in Yogyakarta in the period 1920s-1930s caused by 1) the dynamic moments around the period of the emergence of privately plantation by European, 2) the implementation of the land reorganization in the region of Yogyakarta Sultanate, 3) the emergence of “urban santri” as the new middle class in urban Yogyakarta, and 4) dynamic Islamic social organizations. In addition, the transformationof charities happens consists of three processes. First, change the concept and definition of waqf be more specific. Secondly, changing of the charities model that presented by the Islamic social movements. Third, shift of waqf and charities authority management that also change management culture. One thing that can be seen from this phenomenon is the emergence of local responses on colonialism with a more elegant and become the new social movements as well as showing the existence of civil society.
EFFICIENCYMEASUREMENT OF ZAKAT INSTITUTION PROGRAM: CASE STUDY DOMPET DHUAFA INDONESIA Aam Slamet Rusydiana; Hasna Maliha; Salman Al-Parisi
IJIBE (International Journal of Islamic Business Ethics) Vol 1, No 1 (2016): March 2016
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.1.1.28-43

Abstract

Although social based, Zakat Institutions (OPZ) need to uphold professionalism, transparency and accountabilityin its management. Most recently, Zakat Core Principles is known as the measurement of zakat fundmanagement. This study would try to measure the efficiency of DompetDhuafa’s program as Decision Making Unit (DMU) in the level of efficiencyusing Data Envelopment Analysis (DEA) method. And also the research would look at the possibility of potential improvement from inefficient DompetDhuafa’s programs,input-output contribution and the reference contribution of the DMU.The results show that there are 6 DMU that efficient (100%) and inefficient as much as 18 DMU. The most inefficient program is wakaf fund (2012). In general, the main factor inefficiency ofDompetDhuafa program from 2010 to 2013 due to the distribution fund of DompetDhuafa program such as zakat, wakaf, humanity etc to ashnaf which is still less optimal.The distribution fund also has to increase up to 75.38%, then it is able to resolve the problem of poverty.

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