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Islamic Economics and finance in Focus (IEFF)
Published by Universitas Brawijaya
ISSN : -     EISSN : 29641233     DOI : 10.21776/ub.ieff
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Publish all forms of quantitative and qualitative research articles and other scientific studies related to the field of Islamic Economics and finance.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 25 Documents
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Search results for , issue "Vol. 3 No. 1 (2024)" : 25 Documents clear
ANALISIS FAKTOR PENGARUH KEPUTUSAN ASN DALAM MENGELUARKAN ZAKAT PROFESI MELALUI BAZNAS Hizbullah Al Jihad; Marlina Ekawaty
Islamic Economics and finance in Focus Vol. 3 No. 1 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

According to the BAZNAS Strategic Studies Center, the potential for zakat in Indonesia in 2020 reaches Rp. 327.6 trillion, but the amount of zakat collected in the same year was only around Rp. 12.429 trillion. In this study, Maros Regency was chosen as the research focus because BAZNAS Maros Regency received a total income of Rp. 6,184,383,403 in 2022, with the largest contribution coming from zakat fitrah of Rp. 1,646,818,000, followed by zakat maal (from entities/organizations) of 315,092,717, which came from professional zakat paid by ASN Maros Regency. The purpose of this research is to identify the factors that influence the decisions of ASNs in Maros Regency in issuing professional zakat through BAZNAS in Maros Regency. This study uses a quantitative approach with binary logistic analysis method. The population consists of ASNs in Maros Regency groups 3 and 4 who are Muslim with a sample of 100 respondents. The results showed that the variable knowledge of zakat and service quality had a significant influence on the decisions of ASNs in Maros Regency in issuing professional zakat through BAZNAS in Maros Regency. Meanwhile, the variables of income and trust have no significant effect on the decisions of ASNs in Maros Regency in issuing professional zakat through BAZNAS in Maros Regency. This research is expected to be the basis for BAZNAS in Maros Regency in optimizing the potential for professional zakat among ASNs in Maros.
ANALISIS STRATEGI PENGHIMPUNAN DANA INFAQ MELALUI PROGRAM SAFARI BERKISAH DI YAYASAN DANA SOSIAL AL FALAH MALANG Anggie Puspita Sari; Ika Khusnia Anggraini
Islamic Economics and finance in Focus Vol. 3 No. 1 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Many infaq management institutions such as Baznas and LAZ have been established. These institutions certainly need a strategy in collecting for the sustainability of the institution and realizing its distribution program. This study aims to determine the implementation of the Safari Berkisah program as a method of collecting infaq at YDSF Malang, and the impact of the Safari Berkisah program on YDSF Malang and stakeholders. The gap between this research and the research that has been done lies in the object of research where in previous studies no one has made Safari Berkisah as the object of research. The method used in this research is a qualitative method with a case study approach. From this research it is known that the implementation of the Safari Berkisah program at YDSF Malang is in accordance with the stages of fundraising strategy and the program has a positive impact on YDSF Malang and stakeholders. The results of this study are expected to be input for the Al Falah Social Fund Foundation Malang regarding the Safari Berkisah method as one of its collection methods, and can be taken into consideration for zakat, infaq, and alms management institutions in carrying out collection activities, especially through Safari Berkisah activities.
ANALISIS KINERJA BPR SYARIAH DI JAWA TIMUR: STUDI KASUS SEBELUM DAN SESUDAH PANDEMI COVID-19 Muhammad Irfan Ubaidillah; Al Muizzuddin Fazaalloh
Islamic Economics and finance in Focus Vol. 3 No. 1 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

The Covid-19 pandemic in Indonesia has had a noticeable impact on the economy, including the profitability of the Islamic People's Financing Bank (BPRS) in East Java, which provides financing to the public. The objective of this research is to determine the impact of Covid-19 on the profitability of Islamic BPRs in East Java, with a sample of 19 Islamic BPRs from the period 2017-2023, using panel data regression analysis techniques. The results of the conducted tests indicate that non-performing financing (NPF) has a negative but insignificant impact on profitability, while operating expenses (BOPO) have a significant negative impact on profitability. Financing-to-deposit ratio (FDR) has a significant positive impact on profitability, while capital adequacy ratio (CAR) has a positive but insignificant impact on profitability. Moreover, Covid-19 has a significant positive impact on the profitability of Islamic BPRs in East Java.
IDENTIFIKASI PENGEMBANGAN SYARIAH DIGITAL BANKING SEBAGAI KATALIS INKLUSI KEUANGAN SYARIAH DI INDONESIA Muhammad In'amullah Tamami; Ika Khusnia Anggraini
Islamic Economics and finance in Focus Vol. 3 No. 1 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

The banking industry has undergone a technological revolution, leading to the emergence of digital banks providing technology-based services accessible through smart devices. This has positively impacted financial inclusion by providing easier banking access to a broader community. However, the growth of Islamic banking has not seen the same progress due to the limited development of Islamic digital banks. To address this, a qualitative study was conducted to identify product development opportunities in Islamic digital banks to boost Islamic financial inclusion. Data from interviews, reports, fatwas, and articles were analyzed using the data triangulation method. The research revealed innovative approaches to enhance Islamic digital banking, particularly in products and services catering to community transactions. These identified innovations offer promising steps toward increasing sharia inclusion rates.   Keywords: Digital bank, Islamic digital bank, Islamic digital finance, Islamic financial inclusion, Islamic financial literacy
FAKTOR - FAKTOR YANG MEMPENGARUHI PREFERENSI MASYARAKAT MUSLIM MENYALURKAN ZIS MELALUI PLATFORM CROWDFUNDING KITABISA Sheila Rahma Febriana; Ika Khusnia Anggraini
Islamic Economics and finance in Focus Vol. 3 No. 1 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

The relentless poverty felt by Muslim communities in Indonesia is due to unequal income. Government efforts to reduce poverty by relieving financial pressure, which is currently known as the crowdfunding method. This study aims to determine the effect that occurs in trust (X1), convenience (X2), and social care (X3) on the preference of Muslim communities to channel ZIS through KitaBisa crowdfunding (Y) using quantitative methods with binary logistic regression analysis. The data used is primary data. A total of 200 respondents from the Muslim community who know and have transacted in KitaBisa crowdfunding were obtained. The results show that simultaneously trust, convenience, and social care have a significant positive effect on preferences. Partially, positive preferences are significantly influenced by two variables, namely trust and convenience, while social care has a negative effect. Trust (H1) has a positive effect that transparency and security make track records reliable for ZIS transactions. Convenience (H2) has a positive effect that the selection of ZIS transactions at KitaBisa is easy to use, equipped with donation tutorials, easily accessible, and efficient in labor time for donors. Social care (H3) has a negative effect supported by previous research that a sense of social care is higher for a donation project organizer who is willing to spend time, energy, and thoughts.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PREFERENSI PENGGUNAAN FINTECH SYARIAH Rina Ristianawati; Ajeng Kartika Galuh
Islamic Economics and finance in Focus Vol. 3 No. 1 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Digitalization has fueled the expansion of innovative new financial services named fintech (financial technology). Fintech encourages the field of economic and financial transactions with sharia principles with the emergence of a new inovation named sharia fintech. Indonesia as the largest Muslim country in the world has the potential to become a center for sharia fintech development. However, it should be remembered that not all individuals are willing to use Islamic fintech because of their own considerations and preferences. Therefore the purpose of this study is to identify preferences that ultimately encourage someone to use Islamic fintech. This study uses a quantitative method with the PLS-SEM analysis tool by measuring preferences using the Technology Acceptance Model framework. The results of this study indicate that perceived usefulness, perceived ease of use, social presence, social influence and sharia compliance have a significant positive effect on the decision to use sharia fintech. While trust has no effect. This research is expected ti be consideration for sharia fintech companies to develop better platforms so that they can encourage people to use sharia fintech.
PENGARUH FINANCIAL TECHNOLOGY (FINTECH) TERHADAP PROFITABILITAS PERBANKAN DI INDONESIA (STUDI KOMPARASI BANK SYARIAH INDONESIA DAN BANK TABUNGAN NEGARA PERIODE 2019-2022) Izzah Salsabila; Ika Khusnia Anggraini
Islamic Economics and finance in Focus Vol. 3 No. 1 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

In 2022, there were 220 million internet users in Indonesia, proving that this country has experienced a rapid increase in technology in the modern era, one of which is Financial Technology (FinTech). Bank Syariah Indonesia and Bank BTN through its Sharia Business Unit, BTN Syariah. Both have collaborated with FinTech LinkAja Syariah since 2021. This study aims to determine the profitability obtained before and after the two banks collaborated with FinTech. This study uses the profitability ratio analysis method and conducts a normality test and paired sample test to compare Return on Assets, Return on Equity, Net Interest Margin and Operating Expenses to banking operating income. The sample used is the quarterly financial statements of Bank BSI and Bank BTN for the period 2019 - 2022. The results showed that there was a significant and positive difference in Bank BSI's profitability ratios and no significant difference in the ROA and BOPO ratios at Bank BTN after collaboration. This research provides recommendations for banks to maintain harmonization with FinTech Start-Ups so that improved financial performance and profitability can be achieved.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN MUZAKKI DALAM MEMBAYAR ZAKAT DI LAZ YASA MALANG Tanti Anisa Dwi Cahyani; Ika Khusnia Anggraini
Islamic Economics and finance in Focus Vol. 3 No. 1 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Zakat is a means to achieve equal distribution of income. Even though the potential for zakat is high, there are still many people who choose to distribute it not through zakat management organizations. This research will examine the decision of muzakki to pay zakat at LAZ YASA Malang. This quantitative research collects data through questionnaires. The research data came from the muzakki of LAZ YASA Malang who were analyzed using logistic regression and processed with the Eviews 9 application. The results of this study indicate that religiosity and service quality factors in general do not affect muzakki in paying zakat at LAZ YASA Malang. Meanwhile, trust has a significant effect on muzakki's decision to pay zakat at LAZ YASA Malang
PERFORMA NPF, PENDAPATAN DAN LIKUIDITAS SEBELUM DAN SELAMA RESTRUKTURISASI AKIBAT COVID-19 Luluk Azriani Nasution; Ika Khusnia Anggraini
Islamic Economics and finance in Focus Vol. 3 No. 1 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

The impact of debtors completing their obligations due to Covid-19 can hamper the bank's performance, so countercyclical policies are implemented. NPF 2021 until August has increased, which should have decreased due to restructuring. Revenue increased from June 2020 to January 2021, then fluctuated until September 2021, revenue should have decreased because NPF increased. This study aims to determine whether or not there are differences in NPF, Revenue, Liquidity before and during restructuring at Islamic Commercial Banks. The analysis method uses descriptive statistics, normality and difference tests. The research resulted in no difference in NPF, Income, and FDR. Bank management tries its best to maintain and manage financing so that non-performing financing does not increase too high and prevents it from getting into bad conditions. Revenue comes from financing and one of the influences is DPK. The decrease in FDR during restructuring was due to the Bank's prudent nature and the increase in the growth of deposits not with financing. This research provides information and becomes an evaluation for Islamic Commercial Banks related to performance and management in order to continue to maintain and improve health and stability, and whether or not the debtor is helped to settle obligations with restructuring.
PENGARUH PENGANGGURAN TERDIDIK DAN UPAH MINIMUM TERHADAP PENYERAPAN TENAGA KERJA KOTA MALANG TAHUN 2011-2022 PERSPEKTIF EKONOMI ISLAM Sindi Eka Nuraini; Ika Khusnia Anggraini
Islamic Economics and finance in Focus Vol. 3 No. 1 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

This study intends to examine the impact of the number of educated unemployed and the minimum wage on employment in Malang City according to an Islamic economic perspective. At the moment unemployment is a major issue in the workforce. Reduced work prospects are the outcome of the growing population and a shortage of employment options. The number of employment is declining annually. Employment issues frequently arise due to the high number of jobless, a shortage of jobs, and porr human resources. The author uses quantitative research in this study. This research is quantitative using secondary data for 2011 - 2022 sourced from the BPS for the City of Malang and then analyzed using the multiple linear regression method. The results of the study prove that educated unemployment has a negative effect on employment and the minimum wage has a positive effect on employment in Malang City.

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