Articles
15 Documents
<![CDATA[The Efficiency of BPR/S Industry in Sumatra, Indonesia: Covid-19 Impact, Dual Banking, And Regional Analysis ]]>
<![CDATA[Mimma]]>;
<![CDATA[Syahdatul Maulida]]>
<![CDATA[ Tamkin Journal Vol. 1 No. 1 (2022): Tamkin Journal ]]>
Publisher : <![CDATA[SMART Insight ]]>
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DOI: 10.58968/tj.v1i1.94
<![CDATA[Financial institutions are one of the sectors that play a vital role in national and regional economic growth. BPR and BPRS are one of the banking financial industries that play a role in providing financial services to people with a weak economy and MSMEs, so it is necessary to accelerate improvements in BPR and BPRS. This study aims to measure the efficiency and performance of BPRs in Sumatra, see the impact of the pandemic on BPR and BPRS operations and conduct regional analysis on BPRs and BPRS in Sumatra. Using a sample of 30 BPRs and 30 BPRS in Sumatra, this study conducted observations during the 2016-2021 period. This study uses the Data Envelopment Analysis (DEA) analysis method with secondary data sourced from the financial statements of each BPR and BPRS. The input variables in this study are fixed assets, operating expenses and third-party funds. Meanwhile, the output variables of this research are the financing provided and operating income. The results of the study revealed that the average BPR and BPRS in Sumatra during the 2016 to 2021 period fluctuated. Then, in the CRS and VRS analysis, Lampung and North Sumatra regions have the highest efficiency compared to other regions. Meanwhile, during the Covid-19 pandemic, both BPRs and BPRS in Sumatra experienced a significant decrease in efficiency. This study also analyzes potential improvements to improve programs that cause inefficiencies in the input and output variables. In general, the causes of inefficiency of the two types of banks are operating income and the amount of financing provided. This study also provides recommendations to BPR-BPRS practitioners, regulators and academics as a basis for decision making in achieving optimal efficiency for future.]]>
<![CDATA[Development of Islamic Microfinance: A Bibliometric Approach ]]>
<![CDATA[Mia Sari]]>
<![CDATA[ Tamkin Journal Vol. 1 No. 1 (2022): Tamkin Journal ]]>
Publisher : <![CDATA[SMART Insight ]]>
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DOI: 10.58968/tj.v1i1.95
<![CDATA[This study tries to review research on sustainable microfinance development in Scopus indexed journals. This analysis uses descriptive statistical analysis based on 319 selected papers related to microfinance sustainable development from both national and international journals. All samples of published journals have been published for 27 years from 1996 to 2022. The data is then processed and analyzed using the VOSviewer application program to find out the bibliometric visualization map for sustainable development of microfinance research. The results of this bibliometric mapping study show a map of the development of research in the field of sustainable development microfinance. This study also found a close relationship between microfinance sustainable development and the main goal of the SDGs, namely eradicating poverty to promote prosperity for all people of all ages around the world. This research finds new and interesting keywords for further research.]]>
<![CDATA[Do Technology Changes Affect The Productivity of The Indonesian Islamic Rural Bank (BPRS)? ]]>
<![CDATA[Aam]]>;
<![CDATA[Aisyah As-Salafiyah]]>
<![CDATA[ Tamkin Journal Vol. 1 No. 1 (2022): Tamkin Journal ]]>
Publisher : <![CDATA[SMART Insight ]]>
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DOI: 10.58968/tj.v1i1.110
<![CDATA[The Islamic financial industry in Indonesia is currently a global concern, one of which is bank financial institutions, so measuring productivity is essential for Islamic rural banks (BPRS) in Indonesia. This study tries to analyze the BCC model as a basic model to see the level of productivity in a BPRS using the Malmquist productivity index, both in terms of changes in efficiency and changes in technology. The results obtained from the Malmquist index score or total productivity change (TFPCH) show that, in general, BPRS has experienced a decline in productivity but has increased in the last two years. However, there are six BPRS out of 16 BPRS that get an average score of more than one and show an increase in productivity. The BPRS with the highest productivity level score is PT BPD East Kalimantan and North Kalimantan, and the BPRS with the lowest productivity level score is PT BPD Central Java (UUS). However, East Java still has not reached the optimal level of productivity, with a score of 0.803. Overall, the priority factor that needs to be improved in BPRS is the rate of change in technological innovation. This research shows that BPRS needs to implement digitalization.]]>
<![CDATA[Meta-Analysis on Zakat Index ]]>
<![CDATA[Irma Durrotun Niswah]]>
<![CDATA[ Tamkin Journal Vol. 1 No. 1 (2022): Tamkin Journal ]]>
Publisher : <![CDATA[SMART Insight ]]>
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DOI: 10.58968/tj.v1i1.123
<![CDATA[This study tries to review the research around zakat index on reputable journal. It uses descriptive statistical analysis based on selected 35 article publications or paper related to zakat index, with national and international journal. The entire sample journal publications have published for nine years from 2012 to 2020. The Results show that zakat index research study case is still dominated by Indonesia (25 study), following by Malaysia (8 study) and others. In addition, the Had Kifayah, CIBEST Index, and Zakat Village Index are the examples of zakat index implementation. Meanwhile, Puskas Baznas is the most active institution in developing zakat indexes in the world based on literatures.]]>
<![CDATA[A Review on Islamic Micro-insurance Studies ]]>
<![CDATA[Amelia Tri Puspita]]>;
<![CDATA[Dwi Ratna Kartikawati]]>
<![CDATA[ Tamkin Journal Vol. 1 No. 1 (2022): Tamkin Journal ]]>
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DOI: 10.58968/tj.v1i1.131
<![CDATA[The global insurance system is growing rapidly in a large number of countries in the world, including Indonesia. OJK shows support for increasing the growth of the Islamic finance industry in Indonesia by establishing a Sharia micro-insurance product which was officially launched in 2014. Therefore, to maintain its existence it must be supported by good governance. So, this study aims to meet the development trend of Microinsurance research published by leading journals on microinsurance. The data analyzed consisted of 198 indexed research publications. The data is then processed and analyzed using the VoS viewer application to find out the bibliometric map of Islamic microinsurance research development.]]>
<![CDATA[Research Mapping on Takaful Performance ]]>
<![CDATA[Irni Nuraini]]>
<![CDATA[ Tamkin Journal Vol. 2 No. 1 (2023): Tamkin Journal ]]>
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<![CDATA[This study aims to examine research patterns concerning Takaful Performance. The studied data came from the Scopus database, which was accessed on March 6, 2023. A total of 62 papers were retrieved. The data were analyzed with the Rstudio Bibliometrix program and biblioshiny tools to determine the research advancements on the Takaful Performance. The data demonstrates that the development of Takaful Performance research began in 2009 and has accelerated since 2015. Nazri and Omar are the most productive writer on this subject. Takaful, Malaysia, and Efficiency are the most commonly occurring keywords. According to the themes in the Takaful Performance study that has the potential to be expanded, this research has a great deal of room for growth.]]>
<![CDATA[Islamic Microinsurance: Problem, Future Prospect and Sentiment Analysis ]]>
<![CDATA[Syahdatul Maulida]]>;
<![CDATA[Aam Slamet Rusydiana]]>
<![CDATA[ Tamkin Journal Vol. 2 No. 1 (2023): Tamkin Journal ]]>
Publisher : <![CDATA[SMART Insight ]]>
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DOI: 10.58968/tj.v2i1.195
<![CDATA[This study aims to look at sentiments towards Islamic Micro Insurance. This research is a qualitative research with secondary data types originating from scientific publications database Dimensions. Found as many as 40 scientific publications found with related themes Islamic Micro Insurance. The data is then processed using the help software SentiStrength and the results of his research found that neutral sentiment dominated with a percentage of 58%, followed by 22% negative sentiment and 20% positive sentiment. Sentiment on scientific publication data Islamic Micro Insurance fluctuate every year. 2022 was the year with the highest number of sentiments, namely 9 sentiments, which were dominated by neutral and positive sentiments with 4 sentiments each.]]>
<![CDATA[Cash Waqf Linked Sukuk (CWLS) In Indonesia: A Sentiment Analysis ]]>
<![CDATA[Aam Slamet Rusydiana]]>;
<![CDATA[Annisa Kartika Ocktavia]]>;
<![CDATA[Siti Salmah]]>
<![CDATA[ Tamkin Journal Vol. 2 No. 1 (2023): Tamkin Journal ]]>
Publisher : <![CDATA[SMART Insight ]]>
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DOI: 10.58968/tj.v2i1.212
<![CDATA[Currently, the government has made a new innovation in the world of waqf, namely Cash Waqf Linked Sukuk (CWLS) which is a form of social investment by collecting funds through cash waqf, then invested in state sukuk. The purpose of this research is to see the extent of development and sentiment towards Cash Waqf Linked Sukuk (CWLS). The method used is descriptive statistical analysis combined with meta and sentiment analysis of secondary data in the form of metadata from 53 Dimension indexed articles, then processed using Microsoft Excel 2019 and SentiStrenght software. The analysis shows that the topic of Cash Waqf Linked Sukuk (CWLS) has a neutral sentiment of 39.7% followed by a positive sentiment of 37.7% and a negative sentiment of 22.6%. In addition, factors that influence positive and negative sentiments towards Cash Waqf Linked Sukuk (CWLS) were also found. It can be concluded that CWLS can be a solution in increasing economic growth amid the Covid19 pandemic and economic recovery. From the results of this analysis, both positive and negative sentiments are challenges and opportunities for interested parties, including the government, academics and other stakeholders to provide a strong understanding of Cash Waqf Linked Sukuk (CWLS).]]>
<![CDATA[Exploring the Nexus of Maqasid Shariah and Economics ]]>
<![CDATA[Nadia Nurul Izza]]>;
<![CDATA[Ihsanul Ikhwan]]>
<![CDATA[ Tamkin Journal Vol. 2 No. 1 (2023): Tamkin Journal ]]>
Publisher : <![CDATA[SMART Insight ]]>
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<![CDATA[This study attempts to map research related to maqasid shariah on economics published by Scopus indexed journals from 2006 to 2023. NVivo 12 Plus is used to conduct thematic studies and the frequency is used to evaluate 118 publications in scientific literature. The results of the study found that the number of publications fluctuated from year to year related to research on maqasid shariah on economics which indicated that this topic was an interesting topic and should continue to be developed. In addition, various focus discussions and cluster analyzes that describe research lines in maqasid sharia research on economics include (1) maqasid sharia in banking, (2) maqasid sharia in financial issues, and (3) maqasid sharia in economic topics in general. This research can be used as a starting point for experts to build graphic visualizations of maqasid shariah on economic research patterns in published scientific research.]]>
<![CDATA[Sharing Economy of Islamic Microfinance & Its Impact on Social & Financial Inclusion: Social Capital Matter? ]]>
<![CDATA[Yulizar Djamaluddin Sanrego]]>
<![CDATA[ Tamkin Journal Vol. 2 No. 1 (2023): Tamkin Journal ]]>
Publisher : <![CDATA[SMART Insight ]]>
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<![CDATA[The significant role of Islamic microfinance is how they could articulate the colloborative nature of Islamic moral economy in the form ukhuwwah (social capital) among the poor participants’ program. Sharing or collaborative economy in this business platform is how poor participants of Islamic microfinance-group lending model (GLM) based, which considered as unbankable or even un-bmtable share they risk, having mutual trust, cooperative, collective responsibility to have an access to social as well as financial services provided by any form of philanthropy aids. The existence of ukhuwwah (social capital) would become critical informal institutional values that leads to an efficient sharing or collaborative business among the poor participants. The aims of the paper is to highligt the effectiveness of Islamic microfinance-group lending model (GLM) based in Cooperative Empowerment of Baitut Tamkin Tazkia Madani (BTTM) to establish social capital in supporting sharing economy and hence promoting the achievement of social and financial inclusion of the poor participants. Therefore, any kinds of philanthropy for humanitarian aid (including ZISWAH) should pay critical attention to the existence of social capital in order to alleviate poverty as well as to maintain human dignity.]]>
