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ANALISIS FAKTOR PERMODALAN, KUALITAS ASET, LIKUIDITAS, EFISIENSI OPERASIONAL DAN PROFITABILITAS PADA BANK SYARIAH DI INDONESIA Ziadatul Fadlillah; Jadzil Baihaqi
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 4 No 2 (2021): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

This study examines the effect of capital, asset quality, liquidity, and operational efficiency on profitability using a dataset of 7 Islamic commercial banks in Indonesia over the 2014-2018 period. This research uses a quantitative approach. The analysis technique uses Panel Least Square processed by Eviews 8. We find that the Islamic bank’s profitability is affected by operational efficiency. Nevertheless, the capital factor, asset quality, and liquidity have no impact on the Islamic bank’s profitability. In addition, the evidence shows that the bank’s fund has not been maximized to financing.

Is CSR Assistance Effective for Islamic Based Community Development in Indonesia? Nor Hadi; Jadzil Baihaqi
IQTISHADIA Vol 13, No 2 (2020): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v13i2.7911

This article strives to examine which CSR assistance factors are effective in helping to alleviate the burdens of a community who lives near a cement site. The CSR factors are developed from underlying intens of Islamic law (maqasid al-sharia). The CSR activities which are done by the company towards the community residing near the site are in the form of community development and partnerships. This study was conducted in a community residing around a mine. Primary data were utilized. The data were retrieved with a survey technique, and 97 respondents were retrieved. Meanwhile, the data were analyzed by using a factor analysis. The analysis results depict that there are 6 kinds of education assistance in the CSR programs, where assistance in establishing free schools is not effective enough because it is used for employees’ children, while they comprise a very small portion of the community. There are 20 CSR health programs for the community, while the only one that is not very effective is the HIV prevention program, because the company does not implement an HIV prevention program for the community. There are 12 CSR programs for the environment, in which all of the programs are considered to be effective for the community. There are 6 CSR socio-religious programs, while only 2 of them are considered as not being effective, which are the holiday and animal sacrifice assistance. There are 4 CSR programs for public infrastructure, in which all of the programs are effective to alleviate the community’s burdens. There are 2 CSR programs for national holidays, in which all of the programs are effective for the community. There are 5 socio-cultural CSR programs, in which 2 of the CSR programs are considered to not be effective, which are the arts and culture mentoring as well as arts and culture festival assistance. There are 7 CSR programs for youth and sports activities, which are all considered effective for the community. There are 4 other CSR programs for social assistance, in which 2 of the programs are viewed as being ineffective, which are the retirement home and death assistance. There are 4 CSR programs for rotating fund assistance for SMEs, which are all deemed effective for the community. There are 3 CSR programs for managerial assistance for SMEs, in which 1 program is thought to be ineffective, which is the record keeping and accounting training program. There are 3 CSR programs for marketing assistance for SMEs, which are all considered effective for SMEs.

MERETAS PERAN GANDA ISTRI NELAYAN DALAM HOUSEHOLD ECONOMY EMPOWERMENT Bayu Tri Cahya; Muhammad Soni Salahuddin; Jadzil Baihaqi
Jurnal Harkat : Media Komunikasi Gender JURNAL HARKAT : MEDIA KOMUNIKASI GENDER, 15(1), 2019
Publisher : Pusat Studi Gender dan Anak (PSGA), Universitas Islam Negeri Syarif Hidayatullah

Abstract. Demak Regency has a coastal area which is one of the livelihoods of fishermen, namely Kampung Rajungan Demak. A part of social potential in Coastal society is women especially fishermen wives. Coastal women has an important role at fishing households. Wives should only be responsible for the domestic sector, but this developes when women fisherman play a role to looking for a living. The involvement of the women fisherman in earning a living creates a double rol in the household. This research assesses the dual role of woman fisheman in the household economy. This research was conducted in Betahwalang Village, Bonang District, Demak Regency. The purpose of this study is to reveal the dual role of women fisherman in empowering the household economy. This research used qualitaive data analysis method with interview, observation and documentation data collection techniques. The results of this research showed that the double role of women fisherman provides a significant contribution in improving the household economy.Abstrak. Kabupaten Demak memiliki wilayah pesisir yang menjadi salah satu sumber mata pencaharian para nelayan yakni Kampung Rajungan Demak. Salah satu komponen potensi sosial dalam masyarakat pesisir adalah kaum perempuan khususnya istri nelayan. Perempuan pesisir memiliki peran penting dalam rumah tangga nelayan. Seyogyanya istri hanya bertanggung jawab pada sektor domestik, namun hal tersebut berkembang apabila kaum istri ikut berperan dalam mencari nafkah. Keterlibatan istri dalam mencari nafkah menimbulkan peran ganda di dalam rumah tangga. Penelitian ini menggambarkan peran ganda istri nelayan dalam ekonomi rumah tangga. Penelitian ini dilakukan di Desa Betahwalang Kecamatan Bonang Kabupaten Demak. Tujuan kajian artikel ini adalah mengungkap peran ganda istri nelayan dalam penguatan ekonomi rumah tangga. Metode analisa data yang digunakan adalah metode kualitatif dengan teknik pengumpulan data wawancara, observasi dan dokumentasi. Dari hasil penelitian tersebut menggambarkan bahwa peran ganda istri nelayan memberikan kontribusi yang signifikan dalam penguatan ekonomi rumah tangga.

Pengaruh Profitabilitas dan Solvabilitas Terhadap Yield Sukuk dengan Peringkat Sukuk Sebagai Variabel Moderator pada Perusahaan di Indonesia Eprisa Risky Setiyani; Jadzil Baihaqi; S. Supriyadi
AKTSAR: Jurnal Akuntansi Syariah Vol 2, No 1 (2019): June 2019
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/aktsar.v2i1.5443

This study aims to determine the effect of profitability and solvency on sukuk yields with Sukuk ratings as moderator variables. The population of this study is the company that issued Sukuk on the IDX in 2014-2017. By using a purposive sampling technique, there are 9 companies with 34 Sukuk as the final sample. This study uses a quantitative approach with secondary data types. The analysis technique uses multiple linear regression and Moderated Regression Analysis supported by IBM SPSS 24. The results are (1) Profitability does not have a significant effect on sukuk yield. This is because regardless of the company's profits, the investor still receives a refund and the fee specified. (2) Solvability has a significant positive effect on sukuk yield. (3) The sukuk rating is not able to moderate the relationship between profitability and sukuk yield. (4) Sukuk rating can moderate the solvency relationship with sukuk yield.

Financial Technology Peer-To-Peer Lending Berbasis Syariah Di Indonesia Jadzil Baihaqi
TAWAZUN : Journal of Sharia Economic Law Vol 1, No 2 (2018): TAWAZUN : Journal of Sharia Economic Law
Publisher : Sharia Faculty Islamic Economic Law Study Department

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/tawazun.v1i2.4979

This research aims to explain the concept of online peer-to-peer lending based on sharia rules. This research uses a literature study. The findings are, first, online peer-to-peer lending allowed in Islamic law that free from prohibited transactions, using sharia contracts, transparent, and in good manner. Second, there are 6 online peer-to-peer lending models that can be done according to Fatwa DSN-MUI: 1) financing for factoring, 2) financing for procurement ordered good, 3) financing for online seller, 4) financing for online seller through payment gateway, 5) financing for employee, 5) financing for community-based.

Is CSR Assistance Effective for Islamic Based Community Development in Indonesia? Nor Hadi; Jadzil Baihaqi
IQTISHADIA Vol 13, No 2 (2020): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v13i2.7911

This article strives to examine which CSR assistance factors are effective in helping to alleviate the burdens of a community who lives near a cement site. The CSR factors are developed from underlying intens of Islamic law (maqasid al-sharia). The CSR activities which are done by the company towards the community residing near the site are in the form of community development and partnerships. This study was conducted in a community residing around a mine. Primary data were utilized. The data were retrieved with a survey technique, and 97 respondents were retrieved. Meanwhile, the data were analyzed by using a factor analysis. The analysis results depict that there are 6 kinds of education assistance in the CSR programs, where assistance in establishing free schools is not effective enough because it is used for employees’ children, while they comprise a very small portion of the community. There are 20 CSR health programs for the community, while the only one that is not very effective is the HIV prevention program, because the company does not implement an HIV prevention program for the community. There are 12 CSR programs for the environment, in which all of the programs are considered to be effective for the community. There are 6 CSR socio-religious programs, while only 2 of them are considered as not being effective, which are the holiday and animal sacrifice assistance. There are 4 CSR programs for public infrastructure, in which all of the programs are effective to alleviate the community’s burdens. There are 2 CSR programs for national holidays, in which all of the programs are effective for the community. There are 5 socio-cultural CSR programs, in which 2 of the CSR programs are considered to not be effective, which are the arts and culture mentoring as well as arts and culture festival assistance. There are 7 CSR programs for youth and sports activities, which are all considered effective for the community. There are 4 other CSR programs for social assistance, in which 2 of the programs are viewed as being ineffective, which are the retirement home and death assistance. There are 4 CSR programs for rotating fund assistance for SMEs, which are all deemed effective for the community. There are 3 CSR programs for managerial assistance for SMEs, in which 1 program is thought to be ineffective, which is the record keeping and accounting training program. There are 3 CSR programs for marketing assistance for SMEs, which are all considered effective for SMEs.

Intellectual Capital dan Kinerja Keuangan Bank Pembiayaan Rakyat Syariah Jadzil Baihaqi; Uswatun Muawanah
Jurnal Akuntansi dan Audit Syariah (JAAiS) Vol. 3 No. 1 (2022): June 2022
Publisher : Jurusan Akuntansi Syariah Fakultas Ekonomi dan Bisnis Islam UIN K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/jaais.v3i1.5307

This study aims to examine the effect of intellectual capital on the financial performance, consist of capital, asset quality, earning, liquidity, of Islamic Rural Banks. The data of the research is in the form of secondary data on financial performance information obtained with documentation techniques. Capital performance is measured by CAR, asset quality by NPF, earning by ROA, and liquidity by CR. The population of this study was 163 BPRS throughout Indonesia. We use the purposive-sampling technique and the sample obtained is 26 BPRS in Central Java. The number of sample data is 69 data, for the period 2018-2020. We use the Partial Least Square method in processing data with the help of SmartPLS 3. This study results that intellectual capital affects financial performance (capital, asset quality, and earning), except for liquidity performance.

Implementation of Good Governance for Zakat Management (Case Study at Baznas Kudus Regency) Jadzil Baihaqi; Saida Ulfa
Wiga : Jurnal Penelitian Ilmu Ekonomi Vol. 12 No. 4 (2022): December 2022
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30741/wiga.v12i4.870

This study aims to analyze the implementation of good governance in Zakat Management Organisation (Baznas) Kudus. This study uses a qualitative method with an interpretive approach. The type of research is field research. The setting of the research was carried out at the Badan Amil Zakat Nasional (Baznas) of Kudus Regency. Data analysis techniques using data reduction, data presentation, and concluding. The informants of this research are the staff of Baznas Kudus and zakat stakeholders. The results of this study indicate that BAZNAS Kudus has been quite good in implementing the principles of transparency, accountability, responsibility, independence, and fairness. Komite Nasional Kebijakan Governansi (KNKG) in 2022 has issued General Guidelines for the Governance of Indonesian Non-Profit Organizations. The governance principles are transparency, accountability, ethics, and sustainability. For further research, this guide can be used as an analysis tool for the implementation of good governance in nonprofit organizations.

ANALISIS FAKTOR PERMODALAN, KUALITAS ASET, LIKUIDITAS, EFISIENSI OPERASIONAL DAN PROFITABILITAS PADA BANK SYARIAH DI INDONESIA Ziadatul Fadlillah; Jadzil Baihaqi
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 4 No 2 (2021): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v4i2.2970

This study examines the effect of capital, asset quality, liquidity, and operational efficiency on profitability using a dataset of 7 Islamic commercial banks in Indonesia over the 2014-2018 period. This research uses a quantitative approach. The analysis technique uses Panel Least Square processed by Eviews 8. We find that the Islamic bank’s profitability is affected by operational efficiency. Nevertheless, the capital factor, asset quality, and liquidity have no impact on the Islamic bank’s profitability. In addition, the evidence shows that the bank’s fund has not been maximized to financing.

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