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All Journal Al-Muzara'ah Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam International Journal of Islamic Economics (IJIE)
Marhamah Muthohharoh
Department Of Islamic Economics, Faculty Of Economics And Management, IPB University
Religion Economics, Econometrics & Finance Other

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Faktor–Faktor yang Memengaruhi Tingkat Literasi Keuangan Syariah pada Mahasiswa Muslim di Bogor Amelia Tri Puspita; Deni Lubis; Marhamah Muthohharoh
AL-MUZARA'AH Vol. 9 No. 1 (2021): AL-MUZARA'AH (June 2021)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.9.1.1-20

Abstract

The Indonesian Financial Services Authority (OJK) has targeted college students as one of the priority targets of their financial education programs in Indonesia. This research aimed to analyze the level of Islamic financial literacy of college students in Bogor; and analyze the factors that influence their level of Islamic financial literacy. The independent variable used in this study is the score of Islamic financial literacy. While gender, university, Grade Point Average (GPA), sources of information and religiosity are used as the dependent variables. The data analysis is conducted using the descriptive analysis and Structural Equation Modeling Partial Least Square (SEM-PLS). The estimation results showed that the level of Islamic financial literacy towards Muslim students in Bogor is 50.2% and is classified as sufficient literate. The study found that gender and university have positively and significantly influenced the level of Islamic financial literacy of Muslim students in Bogor.
Analisis Faktor-Faktor yang Memengaruhi Ketahanan UMKM Makanan dan Minuman Bersertifikat Halal saat Pandemi COVID-19 di Kota Banda Aceh Wahyu Viariani; Deni Lubis; Marhamah Muthohharoh
AL-MUZARA'AH Vol. 10 No. 1 (2022): AL-MUZARA'AH (June 2022)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.10.1.33-45

Abstract

The existence of the COVID-19 pandemic has implications for the global economic sector, including in Indonesia. The decline in economic performance is not only felt by large multinational and national companies, but also by MSME players. This research aims to examine the factors of resilience of MSMEs during the COVID-19 pandemic, so that the results of this research can be a survival strategy for MSMEs, especially during the pandemic. The research data was collected through an interview process with 100 food and beverage MSME actors who have halal certification and who do not have halal certification in Banda Aceh City. After that, MSMEs will be grouped into MSMEs that have resilience and do not have resilience for further analysis. The analysis method used in this research is descriptive analysis and logistic regression analysis. Based on the research results, the factors that positively and significantly affect the resilience of MSMEs during the COVID-19 pandemic are the characteristics of entrepreneurship and government support.
The effect of mergers, BOPO, NPF, growth, and the BI rate on murabahah margin income in Islamic mortgage products at Bank Syariah Indonesia Deni Lubis; Olga Aulia Pranayutantri; Marhamah Muthohharoh
Jurnal Internasional Ekonomi Islam Vol 5 No 01 (2023): International Journal of Islamic Economics
Publisher : The Postgraduate of Institut Agama Islam Negeri Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/ijie.v5i01.6750

Abstract

This study aims to analyze the effect of mergers, economic growth, the volume of murabaha financing, Bank Indonesia interest rates, and other variables on murabaha income on sharia pawn products at Bank Syariah Indonesia. The results of this study indicate that murabaha margin income is used as the dependent variable in this study. Dummy variables, five independent variables that have a large influence on the results, two independent variables that do not have a significant impact on the results, and one dummy variable are one of the seven independent variables used in this study. The model used is multiple linear regression with the OLS method. The findings of this study indicate that neither inflation nor fluctuations in the volume of murabaha financing have a significant effect on income from murabahah margins. Income from murabaha margins, however, is very negatively affected by non-performing financing (NPF) variables. Operating expenses as a percentage of operating income (BOPO), BI rate, growth, and aggregation dummy all have a large beneficial impact on earnings on murabahah margins.
Green Sukuk Development Strategy in Indonesia: ANP-SWOT Approach Khairanisa Alhaq; Tita Nursyamsiah; Marhamah Muthohharoh
IQTISHADIA Vol 16, No 1 (2023): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v16i1.16312

Abstract

Green sukuk are State Sharia Securities (SBSN) that put forward the concept of financing programs for environmentally friendly projects. However, since the issuance of this instrument, the number of green sukuk is still small compared to other SBSNs. This study aims to identify strengths, weaknesses, opportunities, threats, and solutions and develop strategies for developing green sukuk in Indonesia. The Analytic Network Process with a SWOT (Strength-Weakness-Opportunity-Threat) network structure is used. Respondents in the study amounted to five experts, consisting of academics, regulators, and practitioners. The results show that opportunities are a top priority in supporting the development of green sukuk. The most influential variables of strengths, weaknesses, opportunities, and threats are green sukuk which impacts reducing greenhouse emissions and preserving the environment. The number and types of funded projects are limited, increasing public awareness of environmentally friendly sustainable lifestyle trends and reputational risks. The priority strategy for developing green sukuk in Indonesia is increasing awareness of the issue of climate change.
Co-Authors Amelia Tri Puspita Deni Lubis Deni Lubis Khairanisa Alhaq Olga Aulia Pranayutantri Tita Nursyamsiah Wahyu Viariani