Journal Of Islamic Social Finance Management
Journal of Islamic Social Finance Management is a peer-reviewed journal on the management of Islamic social finance (sadaqah, zakat, waqf, and infaq). This journal is published by the Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan, Indonesia. Editors welcome scholars, researchers, and practitioners of Islamic management, economics, and business around the world to submit scholarly articles to be published in this journal. All articles will be reviewed by experts before being accepted for publication. Each author is solely responsible for the content of published articles.
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<![CDATA[Persepsi Pedagang Pasar Inpres Sadabuan Terhadap Baitul Mal Wat Tamwil (BMT) Insani Padangsidimpuan ]]>
<![CDATA[Dewi Purnama Sari]]>;
<![CDATA[Nofinawati Nofinawati]]>;
<![CDATA[Delima Sari Lubis]]>
<![CDATA[ Journal of Islamic Social Finance Management Vol 1, No 2 (2020): Juli-Desember ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan ]]>
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DOI: 10.24952/jisfim.v1i2.3579
<![CDATA[ Inpres Sadabuan market traders in the city of Padangsidimpuan are indicated to have different perceptions of BMT Insani Padangsidimpuan. This study aims to determine the extent to which the Inpres market traders' perceptions of Baitul Mal Wat Tamwil (BMT) Insani Padangsidimpuan. The time of this research was carried out from October to July 2018 in the City of Padangsidimpuan. This type of research is qualitative research, the data source used by the researcher is primary data, namely the Inpres Sadabuan market traders, data collection techniques by interview, the data analysis technique of this research is to systematically search and compile data obtained from interviews, and field observations. The results of this study indicate that services at Insani Padangsidimpuan BMT can be said to be good with a figure of 70%, and BMT Insani Padangsidimpuan has a product based on the principles of Islamic law with a figure of 30%, and the traders' views on the financing procedure at BMT Insani Padangsidimpuan can be said to be easy with a figure of 90%. , and the profit at BMT Insani Padangsidimpuan can be said to be high at 80%.Key words: Perception, traders, and BMT Insani Padangsidimpuan.]]>
<![CDATA[Evaluasi Terhadap Pelaksanaan E-Warong Di Kecamatan Padangsidimpuan Tenggara ]]>
<![CDATA[Rahayu Rahayu]]>;
<![CDATA[Aliman Syahuri Zein]]>
<![CDATA[ Journal of Islamic Social Finance Management Vol 1, No 2 (2020): Juli-Desember ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan ]]>
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DOI: 10.24952/jisfim.v1i2.3587
<![CDATA[One of the problems often experienced by developing countries is the problem of poverty, including Indonesia. As an effort to accelerate poverty reduction, since 2007 the Government of Indonesia has implemented the PKH (Family of Hope Program), in which there is a design for the E-Warong (Joint Business Group) KUBE PKH program as a means of accelerating poverty alleviation. This study aims to evaluate the implementation of E-Warong KUBE PKH. This research is a qualitative research, the data sources are primary data and secondary data. The results of this study indicate that the evaluation of the implementation of E-Warong KUBE PKH in Southeast Padangsidimpuan District has not been maximally carried out in accordance with the instructions for implementing E-Warong KUBE PKH, there are several factors that cause the implementation of E-Warong KUBE has not been maximally implemented including, lack of awareness of PKH members towards the responsibility of E-Warong KUBE which causes E-Warong KUBE cannot be said to be successful in increasing the common economy and the lack of understanding of PKH members in using technology, especially in the use of friction machines. As for the contribution in this research, it is hoped that the E-Warong KUBE PKH will be able to evaluate the program so that it runs well and to improve the performance of each PKH member in the future. Key words: Evaluation, Implementation, E-Warong KUBE PKH]]>
<![CDATA[Pengaruh Net Profit Margin Dan Rasio Biaya Operasional Pendapatan Operasional Terhadap Kemampuan Zakat ]]>
<![CDATA[Fitri Purnama Sari Sitompul]]>;
<![CDATA[Fatahuddin Aziz Siregar]]>;
<![CDATA[Ja'far Nasution]]>
<![CDATA[ Journal of Islamic Social Finance Management Vol 1, No 2 (2020): Juli-Desember ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan ]]>
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DOI: 10.24952/jisfim.v1i2.3580
<![CDATA[Zakah is one of the social activities carried out by PT. Bank Syariah Mandiri and those who are required to be paid when they reach the nisab. The calculation of zakah funds issued is 2.5% of profit before tax. To find out the ability of a bank to generate relative profits using Net Profit Margin (NPM) and the ratio of Operating Costs to Operating Income based on data obtained from PT. Bank Syariah Mandiri. This research was conducted to determine whether NPM and BOPO affect the zakat ability of PT. Bank Syariah Mandiri both partially and simultaneously. This research is a quantitative study with secondary data with data analysis techniques using multiple linear regression methods. The results of the research partially (t test) state that, NPM has no effect on Zakah. Meanwhile, BOPO has an effect on zakah. NPM and BOPO together have an influence on zakah. Keywords: Net Profit Margin (NPM), and the ratio of Operating Costs to Operational Income (BOPO) Against Zakah. ]]>
<![CDATA[Potensi Dan Paradigma Nazir Terhadap Aset Wakaf Tanah Di Kabupaten Tapanuli Selatan ]]>
<![CDATA[Damri Batubara]]>
<![CDATA[ Journal of Islamic Social Finance Management Vol 1, No 2 (2020): Juli-Desember ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan ]]>
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DOI: 10.24952/jisfim.v1i2.3588
<![CDATA[Land waqf is one of the pillars in solving the problem of economic disparities in the ummah. This can be realized if the land waqf is managed properly and productively. In order for waqf assets to be more productive and more effective, it depends on how the nazirs are managed. Therefore, the nazir must build a new paradigm in the management of waqf assets. From the land waqf data in South Tapanuli Regency, the potential for land waqf reaches 411 hectares. However, this potential means nothing for the economic development of the ummah. even consumptive only for places of worship. Meanwhile in the Constitution, Government Regulation and KHI fully support land waqf must be developed in support of the economy and managed productively according to sharia by the nazir concerned. This research is a qualitative research with descriptive form. Data collection techniques are observation, interview and documentation. Data processing techniques are data editing and data reduction and drawing conclusions. Keywods: Potential, Paradigm, Land Waqf ]]>
<![CDATA[Pengaruh Zakat Perbankan Dan Corporate Social Responsibility Terhadap Kinerja Bank Umum Syariah ]]>
<![CDATA[Gusti Anriani]]>;
<![CDATA[Fatahuddin Aziz Siregar]]>;
<![CDATA[Rizal Ma'ruf Amidy]]>
<![CDATA[ Journal of Islamic Social Finance Management Vol 1, No 2 (2020): Juli-Desember ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan ]]>
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DOI: 10.24952/jisfim.v1i2.3582
<![CDATA[The percentage of funds issued by banks for zakat and Corporate Social Responsibility (CSR) is not the same every year. This can be seen from the expenditures of several banks each year in the 2013-2015 period. As with zakat and CSR, bank income is unstable every year, this is also evident from several banks that experienced an increase and decrease during the 2013-2015 period. The research objective in this study was to determine whether there is an effect of banking zakat and corporate social responsibility on the performance of Islamic commercial banks in Indonesia for the 2013-2015 period. This research is a quantitative research, the data source comes from secondary data in the form of time series data + cross-section as many as 9 samples. The data analysis technique used regression estimation method, with t test and F test. The data processing used Eviews9 computer program. The results of the research partially (t test) for the bank Zakat variable did not have a significant effect on bank performance, while the CSR variable partially had a significant effect on bank performance. Meanwhile, simultaneously the Zakat and CSR variables have a significant effect on bank performance. Keywords: Zakat, Corporate Social Responsibility, Banking Performance.]]>
<![CDATA[Pengelolaan Zakat Di Indonesia ]]>
<![CDATA[Adanan Murrah Nasution]]>
<![CDATA[ Journal of Islamic Social Finance Management Vol 1, No 2 (2020): Juli-Desember ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan ]]>
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DOI: 10.24952/jisfim.v1i2.3589
<![CDATA[Zakat is the primary means of communication between man and another man in bermasyarat sake compose a harmonious and humane life . The role of Zakat , both property and tithes would be more visible subtle and implemented together with other instrumental value that is usury. Obligation of alms giving firm and absolute top of every Muslim, premises object property that is property and income that have fulfilled the obligation of zakat and charity penunian -value embodied wisdom and universal values that benefit the community life and poverty pengentas.Keywords : Zakah, management, poverty]]>
<![CDATA[Analisis Pengaruh Kinerja Keuangan Terhadap Kemampuan Membayar Zakat ]]>
<![CDATA[Ima Khoirunnisa Harahap]]>;
<![CDATA[Darwis Harahap]]>;
<![CDATA[Aliman Syahuri Zein]]>
<![CDATA[ Journal of Islamic Social Finance Management Vol 1, No 2 (2020): Juli-Desember ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan ]]>
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DOI: 10.24952/jisfim.v1i2.3584
<![CDATA[Abstract Zakat is one of the social activities carried out by PT. Bank Syariah Mandiri and that must be paid when it reaches the nisab. The calculation of zakat funds issued is 2.5% of profit before tax. To determine the ability of banks to generate relative profits using the Ratio of Return on Assets (ROA) and Return on Equity (ROE). Based on data obtained from PT. Bank Syariah Mandiri percentage of ROA, ROE and Zakat fluctuated in 2008-2016, however, the increase in percentage that occurred in ROA and ROE was not always followed by an increase in zakat. This research was conducted to determine whether ROA and ROE affect the ability to pay zakat in PT. Bank Syariah Mandiri, either partially or simultaneously. This research data is a quantitative research. And the data analysis technique used multiple linear regression method using the SPSS version 22.00 computer program. The results of the research partially (t test) state that ROA has no effect on zakat. Meanwhile, ROE affects zakat. ROA and ROE influence on zakat. Keywords: ROA, ROE, Zakat]]>
<![CDATA[Determinan Tingkat Partisipasi Zakat Di Masa Pandemi Covid-19 ]]>
<![CDATA[Hamni Fadlillah Nasution]]>;
<![CDATA[Zulaika Matondang]]>;
<![CDATA[Rodame Monitorir Napitupulu]]>
<![CDATA[ Journal of Islamic Social Finance Management Vol 1, No 2 (2020): Juli-Desember ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan ]]>
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DOI: 10.24952/jisfim.v1i2.3585
<![CDATA[ AbstractEconomic downturn during the pandemic era has caused the poverty rate to increase. One of manners to overcome poverty in Islamic gospel is to give zakah or tithe. The lecturers and employees at IAIN Padangsidimpuan who have permanent stages can become muzakki to help mustahiq get out of their economic downturn. This study aims to analyze the level of zakah participation of lecturers and staff of IAIN Padangsidimpuan during the COVID-19 pandemic. The method used in this research is regression analysis in quantitative research design with primary data. The results showed that the faith and self-satisfaction factors can affect the level of zakah participation, while the appreciation, altruism and organization factor do not affect the level of zakah participation. Keywords: Zakah, Participation, COVID-19]]>
<![CDATA[Pengaruh Kinerja Keuangan terhadap Kemampuan Membayar Zakat PT. BRI Syariah Periode 2011-2018 ]]>
<![CDATA[Budi Yanti Ritonga]]>;
<![CDATA[Budi Gautama Siregar]]>;
<![CDATA[Windari Windari]]>
<![CDATA[ Journal of Islamic Social Finance Management Vol 1, No 2 (2020): Juli-Desember ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan ]]>
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DOI: 10.24952/jisfim.v1i2.3586
<![CDATA[Islamic financial institutions including PT. BRI Syariah from the financial statements determines the amount of zakat of the company because in Islam one of the objectives of financial reporting is for the purposes of zakat. This research is a quantitative research. The collection technique used in this study was secondary data as many as 32 samples. The data collection technique is documentation. The data analysis technique used multiple linear regression methods, classical assumption tests, and hypothesis testing with data processing using the SPSS version 23 computer program. The results of the study partially (t test) stated that, ROA had a significant effect on the ability to pay zakat. ROE has a significant negative effect on the ability to pay zakat. BOPO has a significant negative effect on the ability to pay zakat. Simultaneous research results (F test) states that ROA, ROE and BOPO affect the ability to pay zakat. While the results of the coefficient of determination (R2) ROA, ROE and BOPO are able to influence the ability to pay zakat. Keywords: ROA, ROE, BOPO, Ability to Pay Zakat]]>
