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MENGUJI KAUSALITAS ANTARVARIABEL EKONOMI DAN POLITIK: IBN KHALDUN THEORY ON WEALTH Rusydiana, Aam Slamet
JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Vol 4, No 1 (2018): JURNAL SYARIKAH
Publisher : Program Studi Ekonomi Islam FEI UNIDA Bogor

One of the Muslim scholars called the historian of Schumpeters world is Ibn Khaldun. This figure has realized the great impact of economic factors on social and political life. Ibn Khalduns formulation shows the composite and relationship of variables that are the prerequisites for the realization of a state (G). The variables are syariah (S), society (N), wealth (W), and development (D). This research will try to test the relation between several economic and political variables proposed by Ibn Khaldun by using quantitative approach of Vector Autoregression (VAR) and Granger Causality test.There are some important findings. First, the variable W (welfare) has a significant effect on the level of development of a State (DEV). When a country has a good level of economic growth, then the physical development of a State is relatively good and positive. Vice versa. Second, the N variable (society) has a significant effect on the level of development of a State (DEV). This conclusion is in line with Ibn Khalduns thesis that the quantity and quality of human resources, especially those who work productively, will be able to improve the economy and the development of a State.Another conclusion is that the relatively stable state of the economy, the current government at that time will tend to have the power to survive in its leadership dynasty. In addition, with the good economic conditions and wealth of a State, the position and condition of the people will get better.

KRITERIA PEMILIHAN LEMBAGA WAKAF DI INDONESIA: PENDEKATAN MULTICRITERIA DECISION MAKING Rusydiana, Aam Slamet
EQUILIBRIUM Vol 6, No 2 (2018): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v6i2.3725

Islamic finance is also known as a social financial entity that also has an equally important role for public benefit. One of Islamic social financial instrument is waqf. Typically, waqf or endowments are managed by an institution known as nadzir or the management of waqf. This study tries to analyze the preferences and behavior of criteria for selection of waqf institution or nazhir waqf in Indonesia through the multicriteria decision making method known as Analytical Network Process (ANP) approach.The results conclude that the most priority criteria that influence the selection of waqf institution in Indonesia are financial transparency/accountability and innovative program. Therefore, waqf managers or nazhir must always be trustworthy and fully responsible for managing funds and endowments. In addition, professional and innovative managers are needed in managing waqf objects.

Indeks Malmquist untuk Pengukuran Efisiensi dan Produktivitas Bank Syariah di Indonesia Rusydiana, Aam Slamet
Jurnal Ekonomi dan Pembangunan Vol 26, No 1 (2018)
Publisher : Pusat Penelitian Ekonomi-LIPI

Perkembangan industri perbankan syariah saat ini merupakan salah satu indikator utama perkembangan ekonomi keuangan Islam secara umum di Indonesia. Dalam dunia perbankan, termasuk perbankan syariah, isu pengukuran efisiensi dan produktivitas menjadi 2 hal yang cukup penting. Studi ini mencoba menganalisis model CCR sebagai model dasar dalam DEA untuk melihat tingkat efisiensi bank umum syariah di Indonesia untuk periode 2012-2016. Selanjutnya indeks Malmquist digunakan untuk melihat tingkat produktivitas dari bank syariah, baik dari sisi perubahan efisiensinya maupun perubahan teknologi yang kemudian ditampilkan dalam bentuk kuadran 4 kelompok.Hasil yang diperoleh dari skor indeks Malmquist (TFP Change) menunjukkan bahwa 8 bank syariah dari total 11 BUS mengalami peningkatan produktivitas, atau sekitar 73% dari keseluruhan bank umum syariah. Untuk analisis kelompok bank dengan kriteria efficiency change (EFFCH) dan technological change (TECH), terdapat 1 bank umum syariah yang berada pada kuadran 1 (technical change dan efficiency change yang tinggi), ada 4 bank syariah yang berada pada kuadran 2 (technical change yang tinggi namun efficiency change rendah), dan 6 bank syariah yang masuk ke dalam kuadran 3 (technical change rendah namun efficiency change yang tinggi). Sementara itu tidak ada satu pun bank umum syariah yang masuk kategori kuadran 4.

EFISIENSI SOSIAL DAN FINANSIAL BANK SYARIAH DI INDONESIA: PENDEKATAN NONPARAMETRIK Rusydiana, Aam Slamet
Riset Akuntansi dan Keuangan Indonesia Vol 4, No 1 (2019): Riset Akuntansi dan Keuangan Indonesia
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/reaksi.v4i1.6814

Every single effort or process taken by Islamic bank to maximize output should also uphold Islamic values, so that maqashid sharia (maslahah-sharia objectives) would be authomatically achieved. There were some research conducted to measure Islamic bank performance using maqashid sharia framework. However, these studies were not explicitly addressing the issue of cost-saving strategies within the framework of efficiency measurement. It is therefore this paper aims to have financial and social efficiency in one assessment framework that is social-financial efficiency quadrant (SFEQ). Hence, in order to measure efficiency level of Islamic Banking Industry this study use Data Envelopment Analysis (DEA) method and employ Banxia Frontier Analyst 3.1 for data analysis. Within the SFEQ framework, the study revealed that Sharia Panin Bank and Sharia Bukopin Bank are excellent since both are within the first quadrant.Whereas Sharia Maybank, and BCA Sharia are considered good at the second quadrant; Bank Sharia Mandiri (BSM), Bank Muamalat, Bank Rakyat Indonesia Sharia (BRIS), Bank Negara Indonesia Sharia (BNI) and Mega Sharia are fair at the third; and Victoria Sharia, and Bank Jabar Banten Sharia (BJB) are poor at the fourth sequentially. It is urge for Islamic bank that are in low level of ‘social efficiency’ to have a critical policy to keep in line with the five factor of maqashid sharia apart of having efficiency in order to reach maslahah.

Mengembangkan Industri Keuangan NonBank (IKNB) Syariah Rusydiana, Aam Slamet; Devi, Abrista
Indonesian Journal of Islamic Economics and Finance Vol 1 No 2 (2018): Indonesian Journal of Islamic Economics and Finance
Publisher : Department of Islamic Economics, Postgraduate Program, IAIN Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (482.714 KB)

The objective of this paper was to formulate model and identify the most priorities criteria to enhance the role of Non Bank-Islamic Financial Industry (Non Bank Financial Services). This research also tried to find which NB-IFI with the highest priorities to be improved. This research also tried to compare the priorities result based on two approaches-methods, there are AHP (Analytic Hierarchy Process) where the network connection is hierarchy, and ANP (Analytic Network Process) where the network connection is feedback. Indepth interview to some academician, practitioners, and regulators who has better knowledge related to Non Bank-Islamic Financial Industry was used to formulate AHP and ANP model. The result of this study indicates that the most priorities criterian to enhance the role of Non Bank-Islamic Financial Industry is tough, manageable, and steady NB-IFI. The most priorities of sub criteria ‘tough, manageable, and steady NB-IFI’ are strengthening the institutional system, modal aspect, and operational activity aspect and business capacity. The most priorities of sub criteria ‘NB-IFI and financial inculsion’ are NB-IFI products development based on the needs of society. The most priorities of sub criteria ‘Human Resource, Infrastructures and Information Technology support’ are NB-IFI infrastructure development to bolster up business process. Alternative priority to enhance NB-IFI in Indonesia is Islamic Financing Institutions. We can conclude that there is no difference results between both approaches were used. Both AHP and ANP have the same priority result to synthesize the most priorities criterian and alternative in this research model.

DIGITALISASI KEUANGAN SYARIAH MENUJU KEUANGAN INKLUSIF: KERANGKA MAQASHID SYARIAH Nurfalah, Irfan; Rusydiana, Aam Slamet
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan dan Akuntansi Vol 11, No 1 (2019)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Sharia financial literacy and financial inclusion in indonesia are still in the lower level, Indonesian’s Financial Services Authority launched in 2016 that the data of sharia financial literacy is about 8.11% and sharia financial inclusion only about 11.06%. The easiness of access against sharia financial products and services are the main factors that caused both are still in the lower level. In case of enhancement of society knowledge and access needs the innovation to simplify the utilization of sharia financial products and services. One of the best innovation must be developed by Sharia Financial Institution is digitalization.The digitalization will affect the increase of sharia financial literacy and inclusion index, because this era is an open public information, most people now are easy to access the internet and also the smartphone users in Indonesia are increasing every year. So this is an opportunity for Sharia Financial Institution to combine their products and services with the latest technology. The author makes a digital innovation solution to accommodate these opportunities, named "Connected, One Stop Solution" which are 20 features that can be enjoyed by all segments of society. In addition, the 20 features are adapted to sharia rules which refer to maqashid sharia.

Elaborating Cash Waqf Development In Indonesia Using Analytic Network Rusydiana, Aam Slamet; Devi, Abrista
International Journal of Islamic Business and Economics (IJIBEC) IJIBEC VOLUME 2 NO. 1 JUNE 2018
Publisher : Faculty of Islamic Economics and Business of Institut Agama Islam Negeri (IAIN) Pekalongan

This research is aim to identify the priority factors that being barrier to develop the practice of cash waqf in Indonesia using Analytic Network Process (ANP) method. Here is also offered some solutions for the problems identified. ANP is a mathematic theory that allows one to deal systematically with dependence and feedback and that can capture and combine tangible and intangible factors by using ration scale. Result show that the problems appeared in managing cash waqf in Indonesia divided into 4 important aspects, there are: Human Resource aspect, trust aspect, system aspect, and sharia aspect. The rank for most priority problems to less priority based on the priority result are: 1) trust problems (whereas the most priority for this sub-criteria is donators’ lack of trust), 2) sharia problems (is unfulfilled waqf covenants), 3) human resource problems (is misappropriation of waqf funds, 4) system problems (is weak of management systems). Strategies that can be built to develop the practice of cash waqf in Indonesia based on the priorities are: 1) more computerized cash waqf management, 2) the development of waqf education institutions, 3) more comprehensive fund manager quality improvement, 4) transparency and accountability in every step.

Mengembangkan Koperasi Syariah di Indonesia: Pendekatan Interpretative Structural Modelling (ISM) Rusydiana, Aam Slamet; Devi, Abrista
Economica: Jurnal Ekonomi Islam Vol 9, No 1 (2018)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2018.9.1.2181

Despite growing rapidly, but Islamic cooperatives are still experiencing many obstacles in its development, both from the internal, external and regulatory side. This study attempts to identify the factors of needs, activities, and objectives in the development of sharia cooperatives in Indonesia, using the Interpretative Structural Modelling (ISM) approach. The results of this study provide some conclusions include: (1) Elements of the needs of the key key in sharia cooperative development strategy in Indonesia to improve SMEs is the need for strong support on the legal aspects of sharia cooperatives, (2) Elements of activities that are key to Shariah cooperative development are to conduct training and certification programs for shariah cooperative management and members, and (3) Elements of actors/institutions that are key in sharia cooperative development strategy in Indonesia to improve UMKM is sharia financial institution.Walaupun tumbuh dengan pesat, namun koperasi syariah masih mengalami banyak kendala dalam pengembangannya, baik dari sisi internal, eksternal maupun regulasi. Penelitian ini mencoba untuk mengidentifikasi faktor-faktor kebutuhan, aktifitas dan tujuan dalam pengembangan koperasi syariah di Indonesia, dengan pendekatan metode Interpretative Structural Modelling (ISM). Hasil penelitian memberikan beberapa kesimpulan, antara lain: (1) Elemen kebutuhan yang menjadi kunci utama dalam strategi pengembangan koperasi syariah di Indonesia untuk meningkatkan UMKM adalah perlu adanya dukungan yang kuat pada aspek hukum koperasi syariah, (2) Elemen aktifitas yang menjadi kunci utama dalam pengembangan koperasi syariah adalah mengadakan training dan program sertifikasi bagi manajemen koperasi syariah dan anggota, dan (3) Elemen pelaku/lembaga yang menjadi kunci utama dalam strategi pengembangan koperasi syariah di Indonesia untuk meningkatkan UMKM adalah lembaga keuangan syariah.

Islamic Banking Selection Criteria: Case in Indonesia Using Analytic Network Process Rusydiana, Aam Slamet; Hasib, Fatin Fadhilah
Economica: Jurnal Ekonomi Islam Vol 10, No 1 (2019)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2019.10.1.2846

The Islamic banking industry is currently one of the main indicators of the development of Islamic economics in Indonesia. In Islamic banking issue, one of the important issues is related to people's preferences and behavior towards Islamic banks. The study of the criteria for selecting a bank has been the concern of many bank marketing researchers. Compared to conventional, such studies are relatively minimal, especially in Indonesia. This study tries to analyze the preferences and behavior of criteria for selection of Islamic banks in Indonesia through the Analytical Network Process (ANP) approach.The results conclude that the most priority criteria that influence the selection of Islamic banks in Indonesia are service factors and religiosity factors or the suitability of banks with sharia principles. Therefore, Islamic banks need to constantly improve the quality of services both services and products so that they can compete with conventional banks.Industri perbankan syariah saat ini merupakan salah satu indikator utama perkembangan ekonomi Islam di Indonesia. Dalam masalah perbankan syariah, salah satu masalah penting adalah terkait dengan preferensi dan perilaku pemilihan masyarakat terhadap bank syariah. Studi tentang kriteria pemilihan bank syariah telah menjadi perhatian banyak peneliti. Studi tersebut relatif minimal jika dibandingkan dengan bank konvensional, terutama di Indonesia. Penelitian ini mencoba menganalisis preferensi dan perilaku pemilihan kriteria bank syariah di Indonesia melalui pendekatan Analytical Network Process (ANP). Hasilnya menyimpulkan bahwa kriteria yang paling prioritas yang mempengaruhi nasabah dalam memilih bank syariah di Indonesia adalah faktor layanan dan faktor religiusitas atau kesesuaian bank dengan prinsip syariah. Oleh karena itu, bank syariah perlu terus meningkatkan kualitas layanan baik produk maupun jasa sehingga mereka dapat bersaing dengan bank konvensional.

MENGUJI KAUSALITAS ANTARVARIABEL EKONOMI DAN POLITIK: IBN KHALDUN THEORY ON WEALTH Rusydiana, Aam Slamet
JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Vol. 4 No. 1 (2018): Jurnal Syarikah
Publisher : Program Studi Ekonomi Islam FEI UNIDA Bogor

One of the Muslim scholars called the historian of Schumpeter's world is Ibn Khaldun. This figure has realized the great impact of economic factors on social and political life. Ibn Khaldun's formulation shows the composite and relationship of variables that are the prerequisites for the realization of a state (G). The variables are syari'ah (S), society (N), wealth (W), and development (D). This research will try to test the relation between several economic and political variables proposed by Ibn Khaldun by using quantitative approach of Vector Autoregression (VAR) and Granger Causality test.There are some important findings. First, the variable W (welfare) has a significant effect on the level of development of a State (DEV). When a country has a good level of economic growth, then the physical development of a State is relatively good and positive. Vice versa. Second, the N variable (society) has a significant effect on the level of development of a State (DEV). This conclusion is in line with Ibn Khaldun's thesis that the quantity and quality of human resources, especially those who work productively, will be able to improve the economy and the development of a State.Another conclusion is that the relatively stable state of the economy, the current government at that time will tend to have the power to survive in its leadership dynasty. In addition, with the good economic conditions and wealth of a State, the position and condition of the people will get better.

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