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Muhammad Kambali
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jurnalaliqtishod@gmail.com
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hambali236@gmail.com
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INDONESIA
AL IQTISHOD: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Published by STAI Al-Azhar Menganti Gresik
ISSN : 24076600     EISSN : 27458512     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
The scope of AL-IQTISHOD are but strictly limited to: Sharia economy Sharia business Sharia management Sharia finance
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 9 Documents
 1 
Search results for , issue "Vol. 11 No. 2 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam" : 9 Documents clear
Pandemic Impact on Islamic Financial Literacy: A Study in Bojonegoro Regency Sri Anugrah Natalina; Arif Zunaidi
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 2 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i2.556

Abstract

The purpose of this study is to determine the influence of decisions on becoming a customer. The research design this time is quantitative research. The data will be processed with a simple regression analysis. The analysis uses simple chart analysis to determine the amount of independence (Islamic financial literacy) due to instability (the decision to become a customer of an Islamic bank). The decision to become a customer is influenced by financial literacy, the financial literacy coefficient value of 0.336 states that if there is an increase in the unit's financial literacy, the decision to become a customer increases by 0.336 (33.6%), assuming other variables are considered constant. And also the Islamic financial literacy variable has a positive influence on decision-making to become a customer in Islamic banks. The result of the coefficient of determination (R²) is 0.15 or 15%, so it can be concluded that the influence of the Islamic financial literacy variable (X) in making decisions to become customers in Islamic banks (Y) has a percentage of 15%, while the remaining 85% influenced by other variables outside this study. The difference in this study is the selection of sample characteristics and research areas.
Determinants of Return On Asset (ROA) at Sharia Commercial Banks 2016 – 2021 Muhammad Irwin Muslimin; Nurwahidin; Mulawarman Hannase
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 2 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i2.669

Abstract

ROA is a ratio that serves to assess a company's ability to make a profit. The amount of ROA can be influenced by many things such as NPF, FDR, and CAR. This study aims to find the effect of NPF, FDR, and CAR on ROA at Islamic Commercial Banks (BUS) in 2016-2021. This research uses a two-stage analysis. The first stage will use multiple linear analysis with the Ordinary Least Square method to find the influence between variables, then the second stage will examine the ROA scheme in Islamic banking, and whether it is in accordance with Islamic principles. The results showed that NPF had a significant negative impact on ROA, FDR had an insignificant positive impact on ROA, and CAR had a significant positive impact on ROA. The results of the calculation of the coefficient of determination show that NPF, FDR, and CAR affect ROA by 78.78% while the rest is explained by other variables that are not taken into account in the study. In addition, the ROA business scheme is in accordance with existing Sharia aspects because nothing is violated in Sharia principles, and the existence of DPS is one of the factors the researchers believe that this business model is in accordance with Sharia values. This research is useful to determine the effect between ROA variables and to find out whether business schemes with ROA are in accordance with Sharia.
Performance Analysis of Bank Syariah Indonesia and Bank Muamalat Indonesia during the COVID-19 Pandemic Reviewed from Maqashid Syariah: Maqashid Sharia Approach Index Rahmat Fitriansyah; Nurwahidin; Mulawarman Hannase
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 2 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i2.768

Abstract

The goal of this research is to measure the capability of Islamic banking in Indonesia during the Covid-19 pandemic using the Maqashid Syariah Index approach and using the measurement of three performance indicators, namely educating individuals, establishing justice, and public interest/maslahah). This research is a type of quantitative descriptive research. Bank Syariah Indonesia and Bank Muamalat Indonesia were used as objects of research. This research uses secondary data that comes from the 2020 and 2021 annual reports sourced from the official website. The maqashid sharia index approach used in data analysis is to calculate the variable performance ratio of the maqashid sharia index which comes from the dimensions of educational grants, research, training, publicity, fair returns, functional distribution, interest-free income, profit ratios, personal income, and investment. in the real sector. The results of this study indicate that overall Indonesian Sharia Banks have the highest score, with advantages compared to using Bank Muamalat in implementing the maqashid sharia aspect and the potential for green finance development
The Corporate Social Responsibility Islamic Perspective on Furniture Business Players at UD. Winir Putra Ziadatun Kholishoh Zia; Fetria Eka Yudiana
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 2 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i2.772

Abstract

All forms of business are no longer faced with responsibilities that are based not only on the value of the business but also on social and environmental issues. This study aims to explain the implementation of Corporate Social Responsibility at UD Winir Putra from an Islamic Perspective. The research method used is descriptive qualitative through a case study approach by conducting interviews with UD business owners, Winir Putra, employees, and the community around the business in Rembes Hamlet, Gesikharjo Village, Palang District, Tuban Regency. The results of the study show that UD. Winir Putra has implemented forms of social responsibility, including social responsibility towards corporate actors and stakeholders, social responsibility towards the natural environment, and social responsibility towards social welfare in general. As well as from an Islamic perspective, the forms of implementing social responsibility are carried out by UD. Winir Putra has fulfilled the elements of CSR in Islam, namely, the elements of justice, the elements of kindness, the elements of benefits, and the elements of trust. The focus of this research is the implementation of CSR from an Islamic perspective in microenterprises and as a reference for others to develop forms of social responsibility
The Effect of NPF, FDR, Bank Size and Covid-19 on MSME Financing of Indonesian Sharia Commercial Banks for the 2018-2021 Period Fitri Anisa Nusa Putri; Muhammad Wakhid Musthofa
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 2 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i2.885

Abstract

MSME has a massive contribution to national economic development. In order to expand and strengthen the MSME sector, Islamic Commercial Banks as financial intermediary should consider some of the main factors before distributing their financing to the MSME sector. This study aims to identify and analyze the effect of NPF, FDR, Bank Size, and Covid-19 on MSME Financing at Shariah Rural Banks in Indonesia in the period of 2018-2021 both partially and simultaneously. This study uses a panel data approach where the data needed in this study are from 7 Indonesian Islamic Banks with 112 of total data quarterly. The data was collected from quarterly Islamic bank reports. The results of this study indicate that FDR and Bank Size variables have a positive significant effect on MSMEs Financing at Shariah Rural Banks. Meanwhile, NPF and the dummy variable Covid-19 have no significant effect on MSMEs Financing at Shariah Rural Banks. This study is expected to developing of the grand theory and knowledge on the impact of MSME Financing especially in the Shariah Rural Banks in Indonesia.
Factors Influencing Customer Interest in Using Financing Products at Bank KB Bukopin Syariah Yogyakarta Pipit Puspita; Rintan Nuzul Ainy
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 2 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i2.966

Abstract

Islamic banking is one of the targets in the economic sector that will be developed and focused on in Indonesia. The advantage possessed by Islamic banking is that it lies in an operational system based on Sharia principles. However, behind these advantages, there are some people who do not understand related to regulations and sharia principles so this can trigger the emergence of negative perceptions which are a factor in reducing customer interest in using sharia bank products, especially financing products. This study aims to examine the effect of knowledge of financing products, perceived service quality, perceived product quality, and perceived profit-sharing ratios on customers’ interest in using financing products at Bank KB Bukopin Syariah Yogyakarta. This research is quantitative research. The data source is using primary data. The sample selection used a purposive sampling technique. The analytical method uses multiple linear regression assisted by SPSS version 29 software. The results of this study indicate that the variable knowledge of financing products has a significant influence on customers’ interest in using financing products at Bank KB Bukopin Syariah Yogyakarta. Meanwhile, perceptions of service quality, perceptions of product quality, and perceptions of profit-sharing ratios do not have a significant effect on customers’ interest in using financing products at Bank KB Bukopin Syariah Yogyakarta. This study recommends the need factor to determine the influence of customer interest in using financing products in Islamic banks.
The Effect of Third Party Funds and Murabahah Margin Income through Corporate Social Responsibility (CSR) as Intervening Variables on Bank North Sumatra Syariah's Profit in 2019-2022 Raisa Muthia Syahrani Hasibuan; Tuti Anggraini; Khairina Tambunan
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 2 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i2.980

Abstract

One of the indicators of the viability of a bank is its profit. Profitability is an important indicator for the long-term survival of the operation of Islamic institutions. The formulation of this research problem is whether DPK and murabahah margin have a partial and simultaneous effect on CSR. Is there a simultaneous and partial influence of deposits, murabahah margins, and CSR on Bank Sumut Syariah's profits? Can CSR mitigate the impact of deposits and murabahah margins on Bank Sumut Syariah's profits? The research method used is the quantitative research method with a purposive sampling technique. Secondary data in the form of quarterly financial statements of Bank Sumut Syariah is used for the 2019-2022 period. Classical assumption tests, multiple linear regression analysis, t-tests, F tests, coefficients of determination, and path analysis are used for data analysis. The results of this study show that: (1) Deposit margin and murabahah affect CSR, as shown by the findings of this study (2) Deposit and murabahah margin affect Bank Sumut Syariah's profit (3) CSR does not have an impact on Bank Sumut Syariah's income. The effect of deposits and murabahah margins on Bank Sumut Syariah's profit cannot be mediated by CSR as an intervening variable. Islamic banking is expected to increase profit generation so as to maintain bank operational stability by increasing fund collection and optimizing incoming revenue, based on research results.
The Effect of Islamic Work Ethics, Work Strees, and Work Life Balance on Employee Performance with Work Loyalty as an Intervening Variable at Bank Sumut Syariah KCP Katamso Medan Rafika Afifah Angkat; Ahmad Perdana Indra; Khairina Tambunan
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 2 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i2.981

Abstract

The purpose of this study was to investigate the relationship between Islamic work ethics, workplace stress, and work-life balance, as well as the mediating role of employee loyalty, and employee performance at Bank Sumut Syariah Kcp Katamso Medan. The methodology used here is a quantitative form of survey research. For the study, researchers used a saturated sample size of 56 participants. The methodology for testing this research model uses path analysis. Employee performance was found to be positively influenced by work-life balance, positively influenced by job satisfaction, positively influenced by work stress, positively influenced by Islamic work ethics, positively influenced by work stress, positively influenced by job satisfaction, positively influenced by work-life balance, and positively influenced by Islamic work ethics. Job satisfaction does not moderate the relationship between work-life balance and productivity, nor does it moderate the impact of stress on productivity, but moderates the impact of Islamic work ethics on productivity. Employee output; Islamic work ethics significantly increase worker happiness.
Umer Chapra's Critique of The Western Concept of Welfare State Khoirul Umam; Achmad Jalaludin
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 2 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i2.985

Abstract

This study aims to dissect Chapra's critique of the Western concept of welfare state, and his thoughts on welfare state in Islam in order to solve the problem of impasse in the thinking of modern economists. This research provides enlightenment on how the concept of the welfare state is actually in Islam through the idea of Umer Chapra. The relevance of his thoughts is juxtaposed with the current state of the Indonesian state. This research is expected to be a strong reference for academics and practitioners in addressing the concept of the welfare state. The method in this study uses a qualitative approach with a library research model. Data is obtained from various sources, such as Umer Chapra's master book in the discussion of welfare states, journals, or news info from newspapers. The results of the study show that Umer Chapra's criticism is very comprehensive. Chapra focused in his mind on the Islamic worldview, economic strategy, and welfare state goals. Islamic values are instilled in the strategy of regulating the country's economy. As for its relevance to the state of Indonesia, the results of the analysis show that Chapra's criticism of the welfare state and his thoughts are still relevant to the current state of Indonesia.

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