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Pengaruh Perkembangan Keuangan Syariah, Investasi Langsung dan Perdagangan Internasional Terhadap Kualitas Udara Di Indonesia Ahmad Fatoni
Jurnal Ilmiah Ekonomi Islam Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (252.768 KB) | DOI: 10.29040/jiei.v7i3.3444

Abstract

This study aims to analyze the influence of the development of Islamic finance, direct investment, and international trade on air quality in Indonesia. This research is a quantitative research using panel data. The type of data used is secondary data from 33 provinces in Indonesia from 2017 to 2019. This study uses the Random Effect Model as the best estimation model. The results showed that the variables of Islamic banking financing, domestic direct investment, and international trade (export-import) had a negative and significant effect on air quality in Indonesia. The results of this study prove the hypothesis of the pollution haven effect and the scale effect in Indonesia.
Pengaruh Harga Properti Residensial dan Kebijakan Financing to Value Terhadap Stabilitas Perbankan Syariah di Indonesia Ahmad Fatoni
Jurnal Ilmiah Ekonomi Islam Vol 7, No 2 (2021): JIEI : Vol. 7, No. 2, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (267.746 KB) | DOI: 10.29040/jiei.v7i2.2459

Abstract

This study aims to analyze the effect of residential property prices and Financing to Value policies on the stability of Islamic Commercial Banks in Indonesia. This study uses secondary data, namely time series data from all Islamic Commercial Banks in Indonesia during the period March 2010 to December 2020. The model used in this study is the Error Correction Model (ECM). The results of the study found that the Residential Property Price Index of small and medium types in the long term has an influence on the stability of Islamic Commercial Banks. However, each of them supports a different hypothesis, namely the collateral value hypothesis and the deviation hypothesis. Meanwhile, it was found that in the long and short term the Financing to Value policy had an influence on the stability of Islamic Commercial Banks in Indonesia. Keywords: Islamic Banking Stability, Property Price, Financing to Value
Pengaruh Peer to Peer (P2P) Lending Terhadap Pembiayaan Bank Syariah Di Indonesia: Peluang Atau Ancaman Bagi Bank Syariah? Ahmad Fatoni
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 3 No 4 (2022): May 2022
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v3i4.1594

Abstract

This study aims to examine the effect of Peer to Peer (P2P) lending on Islamic bank financing in Indonesia. This study uses panel data using a sample of Islamic Commercial Banks in 33 provinces in Indonesia. The type of data used is secondary data, namely quarterly data from the period December 2019 to March 2021. This study uses the Fixed Effect Model as the best estimation model. The results showed that the distribution of P2P lending has a positive and significant effect on Islamic bank financing. The results of this study prove that P2P lending is not a threat, but as a complementary to Islamic banks which is realized by collaboration between P2P lending and Islamic banks.
Pendayagunaan Zakat Produktif BAZNAS Kabupaten Serang dalam Pemberdayaan Ekonomi Usaha Mikro Kecil (UMK) di Masa Pandemi Covid 19 Najmudin Najmudin; Syihabudin Syihabudin; Ahmad Fatoni; Sujai Saleh
Mizan: Journal of Islamic Law Vol 5, No 2 (2021): MIZAN: Journal of Islamic Law
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/mizan.v5i2.965

Abstract

This research aims to analyze the distribution of productive zakat BAZNAS Serang Regency in empowering Micro and Small Enterprises (SMEs) in Serang Regency. The object of this research is the National Amil Zakat Agency (BAZNAS) Serang Regency. The method used in this research is descriptive qualitative with data analysis model of Miles and Huberman. The findings of this study indicate that the distribution of productive zakat of BAZNAS Serang Regency is carried out through a small business capital assistance program which is given to seven types of micro and small businesses (SMEs), namely stalls, machetes craftsmen, traders, herbal therapy/herbal traders, culinary, name making of sandals and travel. Small business capital assistance is distributed in the form of revolving capital loans using a qardul hasan contract (the amount of the return is in accordance with the loan amount), in the event of business bankruptcy due to a default from SMEs actors, the Serang Regency BAZNAS will resolve it through partners from the local village apparatus , but if the bankruptcy occurs without any element of default, the Serang Regency BAZNAS will remove the SMEs from the nominative if the assistance period has exceeded 5 years.Keywords: Distribution of Zakat, Productive Zakat, Economic Empowerment Abstrak. Penelitian ini bertujuan untuk menganalisis Pendayagunaan zakat produktif BAZNAS Kabupaten Serang dalam pemberdayaan Usaha Mikro Kecil (UMK) di Kabupaten Serang. Objek penelitian ini adalah Badan Amil Zakat Nasional (BAZNAS) Kabupaten Serang. Metode yang digunakan dalam penelitian ini adalah kualitatif deskriptif dengan model analisis data Miles dan Huberman. Temuan penelitian ini menunjukan bahwa Pendayagunaan zakat produktif BAZNAS Kabupaten Serang dilakukan melalui program bantuan modal usaha kecil (BMUK) yang diberikan kepada tujuh jenis usaha mikro kecil (UMK) yaitu warung, pengrajin golok, pedagang, terapi herbal/pedagang herbal, kuliner, pembuatan nama sendal dan travel. Bantuan modal usaha kecil (BMUK) disalurkan dalam bentuk pinjaman modal bergulir dengan menggunakan akad qardul hasan (jumlah pengembalian sesuai dengan jumlah pinjaman), apabila terjadi kebangkrutan usaha akibat adanya wanprestasi dari pelaku UMK, maka BAZNAS Kabupaten Serang akan menyelesaikannya melalui mitra dari aparat desa setempat, tetapi apabila kebangkrutan tersebut terjadi tanpa ada unsur wanprestasi, maka BAZNAS Kabupaten Serang akan menghapus UMK dari nominative jika waktu bantuan sudah melampaui 5 tahun.Kata Kunci: Pendayagunaan, Zakat Produktif, Pemberdayaan Ekonomi
ANALISIS PERBANDINGAN STABILITAS SISTEM PERBANKAN SYARIAH DAN KONVENSIONAL DI INDONESIA Ahmad Fatoni; Sahabudin Sidiq
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 11 No 2 (2019): Jurnal Ekspansi November 2019
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v11i2.1350

Abstract

Penelitian ini bertujuan untuk menganalisis perbandingan stabilitas sistem perbankan syariah dan konvensional di Indonesia beserta faktor yang mempengaruhinya. Penelitian ini menggunakan regresi data panel dengan mengambil sampel 9 aset terbesar bank syariah dan konvensional di Indonesia selama periode observasi 2010-2016. Alat analisis yang digunakan adalah analisis nilai Z-score dan regresi data panel. Hasil regresi menunjukkan bahwa secara simultan faktor internal yang terdiri dari pembiayaan berbasis PLS, NPF, LAR, BOPO, Ukuran Bank, HHI dan faktor Eksternal terdiri PDB dan inflasi berpengaruh signifikan terhadap stabilitas sistem perbankan syariah. Secara parsial variabel pembiayaan berbasis PLS, NPF, LAR, BOPO, Ukuran Bank dan PDB berpengaruh signifikan terhadap stabilitas sistem perbankan syariah. Sementara itu hasil regresi data panel menunjukkan secara simultan faktor internal (BI Rate, NPL, LAR, BOPO, Ukuran Bank dan HHI) dan faktor eksternal (PDB dan inflasi) berpengaruh signifikan terhadap stabilitas sistem perbankan konvensional. Secara parsial variabel BI Rate, BOPO, Ukuran Bank, HHI dan PDB berpengaruh signifikan terhadap stabilitas sistem perbankan konvensional. Hasil analisis perbandingan stabilitas sistem perbankan syariah dan konvensional di Indonesia melalui analisis nilai Z-score menunjukkan bahwa sistem perbankan syariah mempunyai stabilitas yang lebih baik daripada sistem perbankan konvensional.
Perilaku Deposan Perbankan Syarian di Indonesia: Analisis Terhadap Displaced Commercial Risk dan Market Discipline Ahmad Fatoni
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol 4, No 2 (2019): December 2019
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v4i2.1537

Abstract

Displaced Commercial Risk (DCR) merupakan risiko yang dihadapi oleh bank syariah sebagai konsekuensi diterapkanya dual banking system di Indonesia. Bank syariah dituntut untuk memberikan imbal hasil yang kompetitif untuk mempertahankan deposan. Kondisi kesehatan bank yang meliputi Capital, Asset quality, Management, Earning, dan Liquidity (CAMEL) juga menjadi indikator kekuatan Market Disicipline bagi pertumbuhan deposito bank syariah. Penelitian ini bertujuan untuk menganalisis keberadaan DCR dan Market Discipline pada bank umum syariah di Indonesia periode Oktober 2014 hingga Desember 2018. Hasil penelitian dengan menggunakan metode Auto Regresive Distributed Lag (ARDL) menunjukkan keberadaan DCR pada bank umum syariah. Namun demikian hasil lainya menunjukkan lemahnya Market Discipline, dimana deposan hanya melihat kondisi likuiditas dan kualitas aset sebagai indikator dalam menempatan dananya.
Measurement of the Zakat Transparency Index of Amil Zakat Institutions (LAZ) in Banten Province, Indonesia Ahmad Fatoni; Muhamad Fakhrudin
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol 6, No 1 (2021): June 2021
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v6i1.2262

Abstract

As an institution that manages social funds, transparency must be met for the Amil Zakat Institution. By measuring the zakat transparency index, the Amil Zakat Institution can find out the extent of the implementation of transparency in the organisation. Information disclosure to the public is believed to increase public confidence in paying zakat at the Amil Zakat Institution. This study aims to measure the zakat transparency index of the Amil Zakat Institution in Banten Province. The Simple Additive Weighting (SAW) method is used to calculate the transparency index of zakat institutions. The Simple Additive Weighting (SAW) method is a multiple attribute retrieval method, where the weight of each predetermined dimension is multiplied by each variable weight, then added up. The results showed that the Amil Zakat Institution in Banten Province was included in the reasonably transparent category with an index of 0.706.
Utilization of Productive Zakat and its Effect on Empowerment of Small Micro Business (SMEs) in Serang Regency Najmudin Najmudin; Syihabudin Syihabudin; Ahmad Fatoni; Sujai Sujai
Al Qalam Vol. 38 No. 2 (2021): July-December 2021
Publisher : Center for Research and Community Service of UIN Sultan Maulana Hasanuddin Banten-Serang City-Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/alqalam.v38i2.4749

Abstract

This study aims to analyze (1) Utilization of productive zakat in BAZNAS Serang Regency and (2) The effect of the utilization of productive zakat in the form of capital on the empowerment of Small Micro Enterprises (SMEs) in Serang Regency. The object of this research is the National Amil Zakat Agency (BAZNAS) of Serang Regency and Small Micro Enterprises (SMEs) that receive venture capital assistance from BAZNAS Serang Regency. The method used in this study is a mixed-method with a sequential explanatory approach, collection and analysis of qualitative data in the first stage, then followed by the collection and analysis of quantitative data in the second stage. The findings of this study show that (1) Utilization of productive zakat BAZNAS Serang Regency is done through small business capital assistance program given to seven types of small micro-enterprises (SMEs) namely stalls, machete craftsmen, traders, herbal therapy/herbal traders, culinary, sandal name making and travel. Small business capital assistance is distributed in the form of rolling capital loans using qardul hasan contract (repayment amount according to the loan amount), if there is business bankruptcy due to default of SMEs actors, then BAZNAS Serang will resolve it through a partner from local village officials, but if the bankruptcy occurs without any element of default, then BAZNAS Serang Regency will remove SMEs from the nominative if the assistance period has exceeded 5 years. and (2) the utilization of productive zakat in the form of business capital has a positive and significant effect on the empowerment of SMEs in Serang Regency with an influence contribution of 22.7% and the remaining 77.3% is influenced by other factors not examined in this study. Keywords: Empowerment, Productive Zakat, Small and Micro Enterprises (SMEs).
Revitalisasi Harta Waris Islam (Faraid) Dalam Perekonomian Ahmad Fatoni; Najmudin Najmudin
Syi`ar Iqtishadi : Journal of Islamic Economics, Finance and Banking Vol 3, No 1 (2019)
Publisher : FEB Universitas Sultan Ageng Tirtayasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35448/jiec.v3i1.5514

Abstract

Islamic inheritance laws or pharaids have played an important role in human sciences, especially the distribution of principled wealth to justice and responsibility. In addition, pharaids also have an important role in advancing the economy. This writing aims to analyze pharaids based on the Qur'an and hadith and their impact on the economy. This type of research is qualitative with the library research method. The results of the study show that the pharaids systematically ensured the redistribution of wealth by distributing wealth to each generation with predetermined parts, thus the Faraid had protected the rights of the heirs. Pharaid also supports the participation of women in economic activities, while allowing polygamy to support women's role and even bring a multiplier effect to the economy. Finally, with the existence of pharaids, the wealth produced by the deceased is again allocated to the factors of production through the economic cycle by each generation of heirs.
Sistem Jaminan Halal: Studi Komparatif Indonesia dan Malaysia Isti Nuzulul Atiah; Ahmad Fatoni
Syi`ar Iqtishadi : Journal of Islamic Economics, Finance and Banking Vol 3, No 2 (2019)
Publisher : FEB Universitas Sultan Ageng Tirtayasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35448/jiec.v3i2.6585

Abstract

Consumption of the halal product industry in Indonesia has great potential to be developed, because Indonesia is a Muslim-majority country. In recent years, the development of halal food consumption trends has increased significantly, not only in Muslim-majority countries but this is also experienced by Muslim minority countries. Halal food market demand encourages food producers to obtain halal certification from local authorities. This study aims to compare the mechanism and application of halal certification in Indonesia and Malaysia. This study uses a qualitative descriptive approach and the type of research used in this study is a literature study that collects information relevant to the research objectives. The conclusion of this study is that both Indonesia and Malaysia, both apply almost the same principles, authority and halal certification mechanism. One of them is for every producer who will propose halal certification, is required to go through a series of tests in which the test results will be submitted to the Fatwa Commission which is authorized to decide whether or not a product is halal.