The definition of waqf in one of the results of this study is "Waqf functions to realize the... more The definition of waqf in one of the results of this study is "Waqf functions to realize the potential and economic benefits of waqf assets for the benefit of worship and promote public welfare". In several discussions related to waqf, it is known that Indonesia as a country with the largest Muslim population in the world has very good waqf potential. One of the research articles it is known that: The research results describe a high level of awareness about cash waqf among millennials in Indonesia. The results further reveal a lower level of willingness to contribute to cash waqf in the sample population than their level of awareness about cash waqf. In general, challenges that can be managed better for increasing waqf include several things, namely; lack of socialization. In general, the community does not understand waqf law properly and correctly, both in terms of the pillars and conditions of waqf, as well as the legal intent of waqf, Management and Management, Waqf O...
Religious legitimacy is a potent means of achieving one's objectives, including the pursuit o... more Religious legitimacy is a potent means of achieving one's objectives, including the pursuit of economic benefits. This is how Islamic financial institutions employ the fatwa of the National Sharia Council (DSN-MUI) in their operations. Nonetheless, this objective is often in conflict with the noblest religious ideals of justice, equality, and humanity. This paper aims to explain how the DSN-MUI fatwa acquires religious legitimacy, as well as the repercussions of granting this legitimacy to the public that utilizes Islamic financial institutions. The collected data consists of the texts of DSN-MUI fatwa from 2000 to 2021 as well as the results of interviews with DSN-MUI practitioners of Islamic economics, and pertinent academicians. The data is then descriptively and critically analyzed. The findings of the study suggest that there are three fatwa issued by the DSN-MUI that legitimize profits gained by Islamic financial institutions. However, this method may violate significant r...
This study aims to develop an Islamic personality model as a psychometric tool to assess creditwo... more This study aims to develop an Islamic personality model as a psychometric tool to assess creditworthiness as an alternative predictive character analysis for micro businesses. The method designed to formulate the proposed model coded in R Studio uses two approaches. First, we modify Moslem Religiosity Personality Inventory and then frame a structural model based on Partial Least Square. Subsequently, we use the random forest technique to see the model's accuracy. The result shows a valid and reliable model and performs with 89.47 % accuracy with an Area Under Curve -Receiver Operating Characteristic of 90.06 %. This model implies a solution to strengthen the assessment of the character of creditworthiness of a potential micro-business and helps Islamic Financial Institutions to assess prospective micro-business to determine credit risk and pricing.JEL Classification: B41, D81, D87, G21, P43How to Cite:Hardiansyah., Amalia, E., & Hamid, A. (2023). Islamic Personality Model as Pyc...
This study is to seek Islamic financial solution for members of employee cooperative in a particu... more This study is to seek Islamic financial solution for members of employee cooperative in a particular firm by using Financial Technology platform which meet sharia terms and conditions. Methodology is Using the existing literature on FinTech and incorporating these contributions into a traditional Islamic financial structure, characteristics are outlined and placed into a framework that describes the industry. The findings that Islamic P2P Financing could propose a solution for financial problem faced by employee who need with limited amount for short period of time which Islamic banks could not provide. The findings of the study serve as a reference to industry players and regulators in formulating peer to peer financing for employee cooperative members and other similar cooperatives. This paper contributes by defining FinTech in Islamic finance and proposes term peer to peer financing instead of peer to peer lending which is not suitable with the nature of Islamic finance.
This study examined the mediation and moderation models of the relationship between Islamic work... more This study examined the mediation and moderation models of the relationship between Islamic work ethics (IWE), thriving at work, organizational citizenship behavior (OCB), and leader humility. A total of 418 employees from two different sample groups (Islamic banks and educational institutions) in Indonesia were included. A multiple regression hierarchy with PROCESS was used to test the hypotheses. We found a positive influence of IWE and leader humility on thriving and OCB and thriving at work on OCB. Thriving was found to mediate the relationship between IWE and OCB, and the leader humility moderates these relationships. Thriving at work and OCB are dramatically under-represented in Islamic work ethics research, and this study attempts to fill this void. Furthermore, this study reveals the interactive role of leader humility and IWE in enhancing OCB preference and the mediating role of thriving at work in the IWE − OCB relationship.
Islamic finance products are increasingly varied, including the presence of shariah fintech. The ... more Islamic finance products are increasingly varied, including the presence of shariah fintech. The development of sharia fintech has a role in supporting the Sustainable Development Goals (SDGs. This study aims to determine the development of sharia fintech, and to determine the role sharia fintech in supporting the SDGs program. This type of research is literature study with the nature of the research is qualitative. This study uses descriptive qualitative data analysis techniques. The results of this study indicate the development sharia fintech assets in December 2020 amounting to 74,677,072,107, growing to reach 47.53 percent, with the number of sharia fintech lending actors 10. Types of sharia fintech are peer to peer landing (P2P), payment instruments, and crowdfunding. Sharia fintech has a role in supporting the SGDS program on several objectives, especially related to the economy, such as decent work and economic growth, poverty reduction, hunger reduction, and the realization...
Buku ini memotret peta pendidikan ekonomi Islam di perguruan tinggi di Indonesia baik PTAI maupun... more Buku ini memotret peta pendidikan ekonomi Islam di perguruan tinggi di Indonesia baik PTAI maupun PTU. Juga menganalisis secara kuantitatif hubungan antara kurikulum dan metode pembelajaran ekonomi ISlam yang diterapkan di perguruan tinggi dengan kompetensi SDM yang dibutuhkan oleh industri keuangan syaria
Di Indonesia, UMKM merupakan salah satu sektor penting untuk menopang ekonomi suatu Negara, dan u... more Di Indonesia, UMKM merupakan salah satu sektor penting untuk menopang ekonomi suatu Negara, dan upaya mendukung UMKM tersebut agar tumbuh dengan baik, Pemerintah telah mengeluarkan pula berbagai kebijakan dan regulasi menjamin kepastian hukum untuk pelaku UMKN di Indonesia. Namun, seiring waktu terjadi pula pembaharuan hukum UMKM dalam bentuk penyesuaian terhadap Undang-Undang dan Peraturan Pemerintah sebagai bentuk dukungan kepada pelaku UMKN di Indonesia. Tujuan dari penulisan ini yaitu untuk mengetahui perlindungan hukum bagi Usaha Mikro, Kecil dan Menengah (UMKM),. Adapun dalam penulisan artikel ini menggunakan pendekatan kualitatif dengan teknik pengumpulan data yaitu library research berupa berbagai dokumen perundang-Undangan, buku, jurnal ilmiah dan berbagai data kebijakan hukum lainnya. Sedangkan analisis data dilakukan menggunakan analisis isi dengan metode penelitian hukum normatif dan pendekatan perundang-undangan, dengan tahap analisis meliputi; reduksi, pengorganisasi, ...
The definition of waqf in one of the results of this study is "Waqf functions to realize the... more The definition of waqf in one of the results of this study is "Waqf functions to realize the potential and economic benefits of waqf assets for the benefit of worship and promote public welfare". In several discussions related to waqf, it is known that Indonesia as a country with the largest Muslim population in the world has very good waqf potential. One of the research articles it is known that: The research results describe a high level of awareness about cash waqf among millennials in Indonesia. The results further reveal a lower level of willingness to contribute to cash waqf in the sample population than their level of awareness about cash waqf. In general, challenges that can be managed better for increasing waqf include several things, namely; lack of socialization. In general, the community does not understand waqf law properly and correctly, both in terms of the pillars and conditions of waqf, as well as the legal intent of waqf, Management and Management, Waqf O...
Religious legitimacy is a potent means of achieving one's objectives, including the pursuit o... more Religious legitimacy is a potent means of achieving one's objectives, including the pursuit of economic benefits. This is how Islamic financial institutions employ the fatwa of the National Sharia Council (DSN-MUI) in their operations. Nonetheless, this objective is often in conflict with the noblest religious ideals of justice, equality, and humanity. This paper aims to explain how the DSN-MUI fatwa acquires religious legitimacy, as well as the repercussions of granting this legitimacy to the public that utilizes Islamic financial institutions. The collected data consists of the texts of DSN-MUI fatwa from 2000 to 2021 as well as the results of interviews with DSN-MUI practitioners of Islamic economics, and pertinent academicians. The data is then descriptively and critically analyzed. The findings of the study suggest that there are three fatwa issued by the DSN-MUI that legitimize profits gained by Islamic financial institutions. However, this method may violate significant r...
This study aims to develop an Islamic personality model as a psychometric tool to assess creditwo... more This study aims to develop an Islamic personality model as a psychometric tool to assess creditworthiness as an alternative predictive character analysis for micro businesses. The method designed to formulate the proposed model coded in R Studio uses two approaches. First, we modify Moslem Religiosity Personality Inventory and then frame a structural model based on Partial Least Square. Subsequently, we use the random forest technique to see the model's accuracy. The result shows a valid and reliable model and performs with 89.47 % accuracy with an Area Under Curve -Receiver Operating Characteristic of 90.06 %. This model implies a solution to strengthen the assessment of the character of creditworthiness of a potential micro-business and helps Islamic Financial Institutions to assess prospective micro-business to determine credit risk and pricing.JEL Classification: B41, D81, D87, G21, P43How to Cite:Hardiansyah., Amalia, E., & Hamid, A. (2023). Islamic Personality Model as Pyc...
This study is to seek Islamic financial solution for members of employee cooperative in a particu... more This study is to seek Islamic financial solution for members of employee cooperative in a particular firm by using Financial Technology platform which meet sharia terms and conditions. Methodology is Using the existing literature on FinTech and incorporating these contributions into a traditional Islamic financial structure, characteristics are outlined and placed into a framework that describes the industry. The findings that Islamic P2P Financing could propose a solution for financial problem faced by employee who need with limited amount for short period of time which Islamic banks could not provide. The findings of the study serve as a reference to industry players and regulators in formulating peer to peer financing for employee cooperative members and other similar cooperatives. This paper contributes by defining FinTech in Islamic finance and proposes term peer to peer financing instead of peer to peer lending which is not suitable with the nature of Islamic finance.
This study examined the mediation and moderation models of the relationship between Islamic work... more This study examined the mediation and moderation models of the relationship between Islamic work ethics (IWE), thriving at work, organizational citizenship behavior (OCB), and leader humility. A total of 418 employees from two different sample groups (Islamic banks and educational institutions) in Indonesia were included. A multiple regression hierarchy with PROCESS was used to test the hypotheses. We found a positive influence of IWE and leader humility on thriving and OCB and thriving at work on OCB. Thriving was found to mediate the relationship between IWE and OCB, and the leader humility moderates these relationships. Thriving at work and OCB are dramatically under-represented in Islamic work ethics research, and this study attempts to fill this void. Furthermore, this study reveals the interactive role of leader humility and IWE in enhancing OCB preference and the mediating role of thriving at work in the IWE − OCB relationship.
Islamic finance products are increasingly varied, including the presence of shariah fintech. The ... more Islamic finance products are increasingly varied, including the presence of shariah fintech. The development of sharia fintech has a role in supporting the Sustainable Development Goals (SDGs. This study aims to determine the development of sharia fintech, and to determine the role sharia fintech in supporting the SDGs program. This type of research is literature study with the nature of the research is qualitative. This study uses descriptive qualitative data analysis techniques. The results of this study indicate the development sharia fintech assets in December 2020 amounting to 74,677,072,107, growing to reach 47.53 percent, with the number of sharia fintech lending actors 10. Types of sharia fintech are peer to peer landing (P2P), payment instruments, and crowdfunding. Sharia fintech has a role in supporting the SGDS program on several objectives, especially related to the economy, such as decent work and economic growth, poverty reduction, hunger reduction, and the realization...
Buku ini memotret peta pendidikan ekonomi Islam di perguruan tinggi di Indonesia baik PTAI maupun... more Buku ini memotret peta pendidikan ekonomi Islam di perguruan tinggi di Indonesia baik PTAI maupun PTU. Juga menganalisis secara kuantitatif hubungan antara kurikulum dan metode pembelajaran ekonomi ISlam yang diterapkan di perguruan tinggi dengan kompetensi SDM yang dibutuhkan oleh industri keuangan syaria
Di Indonesia, UMKM merupakan salah satu sektor penting untuk menopang ekonomi suatu Negara, dan u... more Di Indonesia, UMKM merupakan salah satu sektor penting untuk menopang ekonomi suatu Negara, dan upaya mendukung UMKM tersebut agar tumbuh dengan baik, Pemerintah telah mengeluarkan pula berbagai kebijakan dan regulasi menjamin kepastian hukum untuk pelaku UMKN di Indonesia. Namun, seiring waktu terjadi pula pembaharuan hukum UMKM dalam bentuk penyesuaian terhadap Undang-Undang dan Peraturan Pemerintah sebagai bentuk dukungan kepada pelaku UMKN di Indonesia. Tujuan dari penulisan ini yaitu untuk mengetahui perlindungan hukum bagi Usaha Mikro, Kecil dan Menengah (UMKM),. Adapun dalam penulisan artikel ini menggunakan pendekatan kualitatif dengan teknik pengumpulan data yaitu library research berupa berbagai dokumen perundang-Undangan, buku, jurnal ilmiah dan berbagai data kebijakan hukum lainnya. Sedangkan analisis data dilakukan menggunakan analisis isi dengan metode penelitian hukum normatif dan pendekatan perundang-undangan, dengan tahap analisis meliputi; reduksi, pengorganisasi, ...
This study focuses on evaluating the performances of three sharia microfinance models, i.e... more This study focuses on evaluating the performances of three sharia microfinance models, i.e. cooperative model represented by BMT al Fath, Grameen model represented by MBK, Ltd.co, and mixed model represented by Baytul Amanah Ikhtiar cooperative. ANP approach is used to evaluate the performances of those models from five important aspects (clusters) as the determiners, such as human resource, finance, management, sharia compliance, and marketing. The findings of this research show that the most important aspect (priority) among the clusters is human resource. Thus, the best strategy is the mixed-based; the model which integrates the cooperative system with grameen system. It becomes the best model inasmuch as it implements values of both co ownership and co responsibility, in addition to power of collectivity resulting in no cash collateral
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