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Papers by azidni rofiqo

Research paper thumbnail of Capturing Islamic bank performance in Indonesia during the COVID-19 crisis: RGEC and SCNP approaches

Banks and bank systems, Apr 3, 2024

While adhering to the unique principle of Islamic value, Islamic banks are subject to any occurri... more While adhering to the unique principle of Islamic value, Islamic banks are subject to any occurring crisis, just like other banks in common. After the end of the COVID-19 crisis, it is important to determine whether Islamic banking can demonstrate its resilience based on the unique values it upholds. Therefore, the primary objective of this study is to capture how Islamic banks performed during the unprecedented challenge posed by COVID-19. By utilizing the data generated from financial reports, this study employs the RGEC (Risk Profile, Good Corporate Governance, Earnings, and Capital) method that was introduced by Indonesia Central Bank and SCnP (Sharia Conformity and Profitability) measurement. The findings show that by utilizing RGEC, the study classifies Islamic banks into tiers of health, distinguishing 7 as very healthy, 5 as healthy, and 2 as fairly healthy. Meanwhile, SCnP sheds light on the balance between Sharia conformity and profitability, highlighting 2 Islamic banks with commendable equilibrium, 5 displaying a tilt towards high profitability and low conformity, 4 with a tendency towards Shariah conformity with low profitability, and 3 struggling with challenges in both aspects. The study concludes the overall financial resilience of the majority of Islamic banks in Indonesia during the pandemic while noting that some banks faced challenges in achieving a harmonious balance between profitability and Sharia conformity.

Research paper thumbnail of Factors that Influence to Costumers Sharia Bank Loyalty: An Empirical Study of Students at Universitas Darussalam Gontor Ponorogo

Etihad, Nov 30, 2023

The purpose of this research is to predict customer satisfaction, customer perceived value, and c... more The purpose of this research is to predict customer satisfaction, customer perceived value, and customer Islamic religiosity on Sharia bank customer loyalty. Research Methods: The research used a quantitative approach with 140 respondents who were Sharia bank customers, specifically students at Universitas Darussalam Gontor, Ponorogo. A Likert scale of 1-5 was employed for measurement, and partial least squaresstructural equation modeling was used to analyze the data. Results: The results of this research demonstrate that customer satisfaction, perceived value, and Islamic religiosity have a significantly positive impact on Sharia bank customer loyalty. Conclusion: To build and maintain customer loyalty, Islamic banks must leverage customer satisfaction, value, and religiosity by offering a variety of Sharia-based products and services that truly differentiate them from conventional banks.

Research paper thumbnail of The Impact of MSMEs Financing in Islamic Bank on Unemployment in Indonesia

Jurnal Ekonomi Syariah Teori Terapan, Sep 29, 2023

One of the contributions of the Islamic banking sector to Indonesia's economy is channeling funds... more One of the contributions of the Islamic banking sector to Indonesia's economy is channeling funds to MSMEs in the form of financing since a number of them could not access financial services. Interestingly, the MSMEs grew as the Islamic Banking sector rose. However, no single study analyzes such an impact on unemployment in both rural and urban areas. This paper aimed to reveal the effect of MSMEs financing in Islamic banks on unemployment in Indonesia. It further aimed to discover such an effect on unemployment in Indonesia's urban and rural areas separately. Dynamic panel GMM two-step analysis is used in this research to estimate cross-province data in Indonesia between 2010 and 2019. The results of the study reveal that MSMEs financing in Islamic Banks contributed significantly to the reduction of unemployment in Indonesia as a whole. It is also found that the unemployment in urban areas is reduced by MSMEs financing in Islamic Banks. On the other hand, there is no significant relationship between MSMEs financing in Islamic Banks and unemployment in rural areas. These findings can be the basis for Islamic banks to increase MSMEs financing and for the government to expand Islamic banks' role in every part of Indonesia to reduce unemployment, especially in rural areas.

Research paper thumbnail of Reputation, Transparency, Trust and Waqif's Perception on Nadzir’s Professional Toward Intention to Act Waqf: Empirical Study in Pondok Modern Darussalam Gontor (PMDG)

Journal of Islamic Economic Laws, Sep 13, 2021

This study aims to explore the reputation, transparency, trust, waqif perception of nadzir's prof... more This study aims to explore the reputation, transparency, trust, waqif perception of nadzir's professionalism, and the intention to pay waqf in Gontor Institution. This study based on the theory of planned behavior (TPB) which examines the effect of reputation, transparency, trust toward waqif perception of Nadzir's professionalism and intention to pay waqf. The approach this study is a quantitative approach with structural equation modeling-partial least square (SEM-PLS) measurements. The number of respondents 200 alumni of the Pondok Modern Darussalam Gontor. The findings in this study indicate that reputation, transparency, trust have a significant positive effect on the intention to pay waqf at Pondok Modern Darussalam Gontor with the waqif's perception of nadzir's professionalism as mediating effect. Other findings indicate that trust as moderating effect between reputation and waqif perception of nadzir's professional.

Research paper thumbnail of Model Pengembangan Wakaf Produktif Pondok Modern Darussalam Gontor Ponorogo

Awqaf is one potential Islamic financial instruments. Endowments can provide a major contribution... more Awqaf is one potential Islamic financial instruments. Endowments can provide a major contribution to the economy. But wealth awqaf there were so many, in general, utilization is still not yet managed consumptive and productive. As a strategic move to maximize the management of awqaf, it is very important when linking activity management and development of productive awqaf with boarding institutions. Among the schools that can be considered successful in the management of productive endowments is Pondok Modern Darussalam Gontor (PMDG). In this research will be discussed on how the application of productive awqaf in PMDG. By using descriptive qualitative research method, the obtained results of the study that the application of productive awqaf in PMDG has made many contributions, both internally and externally. In addition, the five-term management of awqaf make better and more professional over the distribution of awqaf dialogically and optimal.

Research paper thumbnail of Transparency and Reputation as The Factor Influences to The Intention Waqf: Empirical Studies in Gontor Institution

This study aim to measure and exam the transparency and reputation influence to the intention waq... more This study aim to measure and exam the transparency and reputation influence to the intention waqf in Gontor Institution. Professional, trustworthy, and honest management of waqf is the reason Gontor continues to grow rapidly. This paper raises reputation and transparency variables as independent variables, intention to have waqf as the dependent variable. The approach this study is a quantitative approach with structural equation modeling-partial least square (SEM-PLS) measurements. by distributing questionnaires to the community and has 197 respondents. The data were processed using path modeling with SmartPLS 3.32 tools. The results of this study indicate that reputation and transparency have a positive and significant effect on intention to do waqf in the Gontor Institution.

Research paper thumbnail of Strategi Bersaing Hotel Syari’ah, Pendekatan Manajemen Bisnis Syari’ah: Studi Pada Syari’ah Hotel Solo

Islamic economics journal, Jun 30, 2019

Islamic sharia is the only guide for people's life of the sake of maqasid sharia fulfillment. Ind... more Islamic sharia is the only guide for people's life of the sake of maqasid sharia fulfillment. Indonesia is now seeking a way to boost the sector of sharia tourism. One of measurements taken to do so is through the enhancement of sharia hotel sector. However, the unstable financial and political constraints are known to hamper the sustainability of sharia hotel. Sharia Hotel Solo is claimed to be the biggest sharia hotel in Indonesia. However, we need to analyze its position in Solo since the city is known to have a heightened hotel sector competition without being entailed by an increase level of consumer. Thus, this research is primarily aimed at describing the competitive strategy applied by Sharia Hotel Solo in accordance with sharia business management. In addition, it also unravels the strengths, weaknesses, opportunities, and threats of the hotel through sharia business management. The research was conducted through quantitative method. It was analyzed through Internal-External Factor Evaluation, SWOT. The results of IFE show that hotel's internal condition was very good as value of IFE in 3.55. Externalcondition of hotel also very good as result of EFE analysis in value of 3.29. However, I-EFE analysis reveals that Sharia Hotel Solo was situated in Cell I , indicating that its competitive strategy was located in developing and building. The SWOT analysis reveals that it can utilize the opportunity with its strength and overcome the threat by enhancing its strength.

Research paper thumbnail of Comparative Analysis of Ports to the Economy of Indonesia: A Cointegration Approach

Journal of Islamic Economis Lariba, Dec 15, 2021

The study intended to explore the effectiveness between import of bovine and export of fish to ec... more The study intended to explore the effectiveness between import of bovine and export of fish to economy of Indonesia. Three variables are utilized which are Import of Bovine, Export of fish and GDP constant 2010. To analyses the existences of short run and long run between variable, Vector Error Correction Model are conducted in this study. The result shows that only bovine import has impact to GDP in short run. On the other hand, bovine import and fish export together contribute to long run economic growth in Indonesia. This research suggest that resources allocation for import of bovine should be maintained as capital for livestock sector in Indonesia rather than being imported as meat for consumption per se, which means incentive for capitalization of imported living bovine should be kept by government. Meanwhile, fishery industry must be supported with long term program such that its impact to economic growth can be optimized.

Research paper thumbnail of The Influence of Sharia Banking Characteristics and Macroeconomics Factors on Sharia Banking Profitability: Empirical Studies in Indonesia

IJIBE (International Journal of Islamic Business Ethics), Jul 25, 2019

The problem in this research is the unimmunity of teacher performance of SD Negeri in Mejobo Dist... more The problem in this research is the unimmunity of teacher performance of SD Negeri in Mejobo District Kudus Regency. The purpose of this study is to analyze and to know the influence of Islamic Leadership on Teacher Performance through Teacher Competence and Quality of Work Life of Elementary School Teachers. The population of this research is all elementary school teachers from 3 villages in Mejobo District Kudus Regency as many as 129 people. This study used 100 teachers as a sample with Purposive Random Sampling. Datas were obtained from questionnaires and interviews. Data analysis using SPSS 16.

Research paper thumbnail of Tingkat Kesehatan Perbankan Syariah di Indonesia: Studi Komparatif Menggunakan Metode CAMEL

Etihad, May 17, 2022

As an intermediary institution, Islamic banks are required to always maintain the health of the b... more As an intermediary institution, Islamic banks are required to always maintain the health of the bank. One way to measure the soundness of a bank by Bank Indonesia regulations is CAMEL. The financial ratios used in the CAMEL method are Capital, Assets, Management, Earnings, and Liquidity. This study aims to determine the soundness of Islamic banking in 2019, and the role of Regulators (Financial Services Authority and Sharia Supervisory Board) in improving bank health. The results of the study show: a) that of the 7 Sharia commercial banks in Indonesia, 3 are in the HEALTHY category, namely Bank Mandiri Syariah, Bank BNI Syariah, and Bank BTPN Syariah. 1 Bank is included in the ENOUGH HEALTHY category, namely Bank BJB Syariah. 2 Banks are in the UNHEALTHY category, namely Bank Bukopin Syariah and Panin Dubai Syariah, and 1 bank is included in the UNHEALTHY category, namely Bank BRI Syariah. b) In supervising and improving bank soundness, OJK has the following authorities: 1) Liquidity, profitability, solvency, asset quality, minimum capital adequacy ratio, maximum lending limit, loan to deposit ratio, and bank reserves, 2) related bank statements with bank health and performance, 3) debtor information system, 4) credit testing; and 5) Bank accounting standards. c) The role of DPS in improving the health of non-financial banks includes: ex-ante auditing, post ante auditing, and calculation and payment of zakat.

Research paper thumbnail of Analisis Penerapan Marketing Syariah Dalam Meningkatkan Kinerja Pemasaran Produk (Studi Pada: Swalayan Ismart, Ponorogo)

Journal of Islamic Economics and Philanthropy, Aug 29, 2020

Dalam penelitian ini peneliti membahas Analisis penerapan Marketing Syariah dalam meningkatkan ki... more Dalam penelitian ini peneliti membahas Analisis penerapan Marketing Syariah dalam meningkatkan kinerja pemasaran produk di Swalayan Ismart. Tujuannya untuk mengetahui proses marketing syariah yang berada di Swalayan Ismart. Penelitian ini adalah penelitian lapangan. Pengambilan data dengan triangulasi yaitu observasi, wawancara, dan dokumentasi. Analisis data menggunakan metode analisis deskriptif kualitatif. Hasil penelitian menunjukkan bahwa Swalayan Ismart dalam pengelolaan dan manajemennya adalah menjadikan marketing syariah sebagai acuan dan pedoman yang dijalankannya. Hal itu diwujudkan dari seluruh kegiatan yang dijalankan didalamnya dan dari beberapa kegiatan kemasyarakatan yang digalang langsung oleh Swalayan Ismart seperti Jum'at berkah, kajian agama dan santunan anak yatim dan lainnya. Setelah dikaji kesesuaiannya dengan marketing syariah, hasilnya sesuai dengan konsep tersebut yang meliputi bauran marketing dan beberapa strategi marketing yang dicontohkan oleh Rasulullah sesuai dengan karakteristik yang ada dalam marteting syariah yang meliputi 4 unsur utama yaitu, Rabbaniyah, Akhlaqiyah, waqi'iyah, dan Insaniyah.

Research paper thumbnail of The Role of Learning in Forming Students Career Choices of Islamic Economics Major

This research is based on the researcher's anxiety that Islamic banking is dominated by non-gradu... more This research is based on the researcher's anxiety that Islamic banking is dominated by non-graduate of Islamic Economics Study. This research aims to determine the factors that influence graduate of Islamic Economics Study perception for career selection and determine the dominant factors that influence graduate of Islamic Economics Study perception for career selection. The research is a quantitative research by using survey method in collecting data. The questionnaire distributed to 58 respondents who were graduated from Islamic Economics programs, University of Darussalam Gontor Ponorogo. The data analysis technique is the exploratory factor analysis. The results of analysis data show that there are three factors formed that influence the graduate of Islamic Economics Study perception for career selection namely consideration of labour market, work environment, and professional education. The most dominant factor that influences the perception of a graduate of Islamic Economics Study for career selection is the consideration of professional education.

Research paper thumbnail of Factors that Influence of Behavior to Contribution in Islamic Peer-to-Peer Lending with PLS-SEM Approach: Empirical Studies in Indonesia

Journal of Islamic Economis Lariba, Aug 5, 2022

This study aims to develop a Theory of Planned Behavior by analyzing the factors that influence c... more This study aims to develop a Theory of Planned Behavior by analyzing the factors that influence customers to contribute to Islamic P2P lending customers. This study uses a partial least squares structural equation model (PLS-SEM) analysis with 120 respondents. The number of respondents is determined by the five rules of thumb approach, while data collection is done by purposive sampling. This research was conducted for one year, namely in 2021-2022 with the provision that the sample was customers of Islamic P2P lending in Indonesia. The results of the study revealed that attitude, subjective norm and perceived behavior control had a significant positive effect on the intention to contribute to Islamic P2P lending. While piety and intention have a significant positive effect on behavior to contribute to Islamic P2P lending in Indonesia. The results of this study contribute to the development of the theory of planned behavior (TPB), more extensive research is needed such as research in countries that are members of the OIC to validate these results.

Research paper thumbnail of The important role of the DTPB in the development of Islamic P2P lending in Indonesia

Asian Journal of Islamic Management (AJIM)

Purpose − the purpose of this study is the determinants of factors influencing to the intention i... more Purpose − the purpose of this study is the determinants of factors influencing to the intention in Islamic Peer to Peer (P2P) financing platform. Methodology − Quantitateve approach with distributing questionnare accross Islamic P2P financing platforms consisting of ethis.co.id, ammana.id, alamisharia.id, danasyariah.id and qazwa.id employed. 121 usable sample is analsyed with using PLS-SEM and Smart PLS 3.2 opreated as analysis tools.Findings − The results show that normative influence affects positively and significantly the subjective norm. In terms of attitude control, only perceived uselfulness has insiginificant influence on attitude. Moreover, self-efficacy and facilitating condition has a positive and significant impact on perceived behaviour control. Attitude and perceived berhaviour control affect intention to participate. However, subjective norm has insignificant impact on intention to participate in P2P financing platform.Implications − The study suggests that islamic P...

Research paper thumbnail of Indonesian Policy on Muslim Friendly Tourism: Geopolitical Overview

Journal of Critical Realism in Socio-Economics (JOCRISE), Sep 29, 2022

Research paper thumbnail of Contribution To Empowerment Of Tourism Industry To Community Welfare

EKOBIS SYARIAH

This study aims to examine the effect of empowerment on welfare. Empowerment here is proxied by e... more This study aims to examine the effect of empowerment on welfare. Empowerment here is proxied by empowering, fostering, supporting, and protecting. Welfare is meant as a maqoshid sharia as measured by hifdz addin, an nafs, al nasl, al aql, and al mal. This study proposes a hypothesis of empowering, fostering, supporting, and protecting a positive effect on welfare. This research was conducted in 2019-2020 which took place at Ngebel Lake with 50 respondents in the tourism sector. This type of research is quantitative with questionnaire data collection that can be measured by a Likert scale. Data analysis through classical assumption test and multiple linear regression. The results of the analysis show that empowering, supporting, and protection have a significant positive effect on welfare. Fostering has no significant effect on welfare. Adjusted R-square value, 0.798119 which states that the four independent variables contributed 79% to the dependent variable. This research is limite...

Research paper thumbnail of Transparency and Reputation as The Factor Influences to The Intention Waqf: Empirical Studies in Gontor Institution

Velocity: Journal of Sharia Finance and Banking

This study aim to measure and exam the transparency and reputation influence to the intention w... more This study aim to measure and exam the transparency and reputation influence to the intention waqf in Gontor Institution. Professional, trustworthy, and honest management of waqf is the reason Gontor continues to grow rapidly. This paper raises reputation and transparency variables as independent variables, intention to have waqf as the dependent variable. The approach this study is a quantitative approach with structural equation modeling-partial least square (SEM-PLS) measurements. by distributing questionnaires to the community and has 197 respondents. The data were processed using path modeling with SmartPLS 3.32 tools. The results of this study indicate that reputation and transparency have a positive and significant effect on intention to do waqf in the Gontor Institution.

Research paper thumbnail of Tingkat Kesehatan Perbankan Syariah di Indonesia: Studi Komparatif Menggunakan Metode CAMEL

Etihad: Journal of Islamic Banking and Finance

As an intermediary institution, Islamic banks are required to always maintain the health of the b... more As an intermediary institution, Islamic banks are required to always maintain the health of the bank. One way to measure the soundness of a bank by Bank Indonesia regulations is CAMEL. The financial ratios used in the CAMEL method are Capital, Assets, Management, Earnings, and Liquidity. This study aims to determine the soundness of Islamic banking in 2019, and the role of Regulators (Financial Services Authority and Sharia Supervisory Board) in improving bank health. The results of the study show: a) that of the 7 Sharia commercial banks in Indonesia, 3 are in the HEALTHY category, namely Bank Mandiri Syariah, Bank BNI Syariah, and Bank BTPN Syariah. 1 Bank is included in the ENOUGH HEALTHY category, namely Bank BJB Syariah. 2 Banks are in the UNHEALTHY category, namely Bank Bukopin Syariah and Panin Dubai Syariah, and 1 bank is included in the UNHEALTHY category, namely Bank BRI Syariah. b) In supervising and improving bank soundness, OJK has the following authorities: 1) Liquidit...

Research paper thumbnail of Factors that Influence of Behavior to Contribution in Islamic Peer-to-Peer Lending with PLS-SEM Approach: Empirical Studies in Indonesia

Journal of Islamic Economics Lariba

This study aims to develop a Theory of Planned Behavior by analyzing the factors that influence c... more This study aims to develop a Theory of Planned Behavior by analyzing the factors that influence customers to contribute to Islamic P2P lending customers. This study uses a partial least squares structural equation model (PLS-SEM) analysis with 120 respondents. The number of respondents is determined by the five rules of thumb approach, while data collection is done by purposive sampling. This research was conducted for one year, namely in 2021-2022 with the provision that the sample was customers of Islamic P2P lending in Indonesia. The results of the study revealed that attitude, subjective norm and perceived behavior control had a significant positive effect on the intention to contribute to Islamic P2P lending. While piety and intention have a significant positive effect on behavior to contribute to Islamic P2P lending in Indonesia. The results of this study contribute to the development of the theory of planned behavior (TPB), more extensive research is needed such as research i...

Research paper thumbnail of Comparative Analysis of Ports to the Economy of Indonesia: A Cointegration Approach

Journal of Islamic Economics Lariba

The study intended to explore the effectiveness between import of bovine and export of fish to ec... more The study intended to explore the effectiveness between import of bovine and export of fish to economy of Indonesia. Three variables are utilized which are Import of Bovine, Export of fish and GDP constant 2010. To analyses the existences of short run and long run between variable, Vector Error Correction Model are conducted in this study. The result shows that only bovine import has im-pact to GDP in short run. On the other hand, bovine import and fish export together contribute to long run economic growth in Indonesia. This research suggest that resources allocation for import of bo-vine should be maintained as capital for livestock sector in Indonesia rather than being imported as meat for consumption per se, which means incentive for capitalization of imported living bovine should be kept by government. Meanwhile, fishery industry must be supported with long term pro-gram such that its impact to economic growth can be optimized

Research paper thumbnail of Capturing Islamic bank performance in Indonesia during the COVID-19 crisis: RGEC and SCNP approaches

Banks and bank systems, Apr 3, 2024

While adhering to the unique principle of Islamic value, Islamic banks are subject to any occurri... more While adhering to the unique principle of Islamic value, Islamic banks are subject to any occurring crisis, just like other banks in common. After the end of the COVID-19 crisis, it is important to determine whether Islamic banking can demonstrate its resilience based on the unique values it upholds. Therefore, the primary objective of this study is to capture how Islamic banks performed during the unprecedented challenge posed by COVID-19. By utilizing the data generated from financial reports, this study employs the RGEC (Risk Profile, Good Corporate Governance, Earnings, and Capital) method that was introduced by Indonesia Central Bank and SCnP (Sharia Conformity and Profitability) measurement. The findings show that by utilizing RGEC, the study classifies Islamic banks into tiers of health, distinguishing 7 as very healthy, 5 as healthy, and 2 as fairly healthy. Meanwhile, SCnP sheds light on the balance between Sharia conformity and profitability, highlighting 2 Islamic banks with commendable equilibrium, 5 displaying a tilt towards high profitability and low conformity, 4 with a tendency towards Shariah conformity with low profitability, and 3 struggling with challenges in both aspects. The study concludes the overall financial resilience of the majority of Islamic banks in Indonesia during the pandemic while noting that some banks faced challenges in achieving a harmonious balance between profitability and Sharia conformity.

Research paper thumbnail of Factors that Influence to Costumers Sharia Bank Loyalty: An Empirical Study of Students at Universitas Darussalam Gontor Ponorogo

Etihad, Nov 30, 2023

The purpose of this research is to predict customer satisfaction, customer perceived value, and c... more The purpose of this research is to predict customer satisfaction, customer perceived value, and customer Islamic religiosity on Sharia bank customer loyalty. Research Methods: The research used a quantitative approach with 140 respondents who were Sharia bank customers, specifically students at Universitas Darussalam Gontor, Ponorogo. A Likert scale of 1-5 was employed for measurement, and partial least squaresstructural equation modeling was used to analyze the data. Results: The results of this research demonstrate that customer satisfaction, perceived value, and Islamic religiosity have a significantly positive impact on Sharia bank customer loyalty. Conclusion: To build and maintain customer loyalty, Islamic banks must leverage customer satisfaction, value, and religiosity by offering a variety of Sharia-based products and services that truly differentiate them from conventional banks.

Research paper thumbnail of The Impact of MSMEs Financing in Islamic Bank on Unemployment in Indonesia

Jurnal Ekonomi Syariah Teori Terapan, Sep 29, 2023

One of the contributions of the Islamic banking sector to Indonesia's economy is channeling funds... more One of the contributions of the Islamic banking sector to Indonesia's economy is channeling funds to MSMEs in the form of financing since a number of them could not access financial services. Interestingly, the MSMEs grew as the Islamic Banking sector rose. However, no single study analyzes such an impact on unemployment in both rural and urban areas. This paper aimed to reveal the effect of MSMEs financing in Islamic banks on unemployment in Indonesia. It further aimed to discover such an effect on unemployment in Indonesia's urban and rural areas separately. Dynamic panel GMM two-step analysis is used in this research to estimate cross-province data in Indonesia between 2010 and 2019. The results of the study reveal that MSMEs financing in Islamic Banks contributed significantly to the reduction of unemployment in Indonesia as a whole. It is also found that the unemployment in urban areas is reduced by MSMEs financing in Islamic Banks. On the other hand, there is no significant relationship between MSMEs financing in Islamic Banks and unemployment in rural areas. These findings can be the basis for Islamic banks to increase MSMEs financing and for the government to expand Islamic banks' role in every part of Indonesia to reduce unemployment, especially in rural areas.

Research paper thumbnail of Reputation, Transparency, Trust and Waqif's Perception on Nadzir’s Professional Toward Intention to Act Waqf: Empirical Study in Pondok Modern Darussalam Gontor (PMDG)

Journal of Islamic Economic Laws, Sep 13, 2021

This study aims to explore the reputation, transparency, trust, waqif perception of nadzir's prof... more This study aims to explore the reputation, transparency, trust, waqif perception of nadzir's professionalism, and the intention to pay waqf in Gontor Institution. This study based on the theory of planned behavior (TPB) which examines the effect of reputation, transparency, trust toward waqif perception of Nadzir's professionalism and intention to pay waqf. The approach this study is a quantitative approach with structural equation modeling-partial least square (SEM-PLS) measurements. The number of respondents 200 alumni of the Pondok Modern Darussalam Gontor. The findings in this study indicate that reputation, transparency, trust have a significant positive effect on the intention to pay waqf at Pondok Modern Darussalam Gontor with the waqif's perception of nadzir's professionalism as mediating effect. Other findings indicate that trust as moderating effect between reputation and waqif perception of nadzir's professional.

Research paper thumbnail of Model Pengembangan Wakaf Produktif Pondok Modern Darussalam Gontor Ponorogo

Awqaf is one potential Islamic financial instruments. Endowments can provide a major contribution... more Awqaf is one potential Islamic financial instruments. Endowments can provide a major contribution to the economy. But wealth awqaf there were so many, in general, utilization is still not yet managed consumptive and productive. As a strategic move to maximize the management of awqaf, it is very important when linking activity management and development of productive awqaf with boarding institutions. Among the schools that can be considered successful in the management of productive endowments is Pondok Modern Darussalam Gontor (PMDG). In this research will be discussed on how the application of productive awqaf in PMDG. By using descriptive qualitative research method, the obtained results of the study that the application of productive awqaf in PMDG has made many contributions, both internally and externally. In addition, the five-term management of awqaf make better and more professional over the distribution of awqaf dialogically and optimal.

Research paper thumbnail of Transparency and Reputation as The Factor Influences to The Intention Waqf: Empirical Studies in Gontor Institution

This study aim to measure and exam the transparency and reputation influence to the intention waq... more This study aim to measure and exam the transparency and reputation influence to the intention waqf in Gontor Institution. Professional, trustworthy, and honest management of waqf is the reason Gontor continues to grow rapidly. This paper raises reputation and transparency variables as independent variables, intention to have waqf as the dependent variable. The approach this study is a quantitative approach with structural equation modeling-partial least square (SEM-PLS) measurements. by distributing questionnaires to the community and has 197 respondents. The data were processed using path modeling with SmartPLS 3.32 tools. The results of this study indicate that reputation and transparency have a positive and significant effect on intention to do waqf in the Gontor Institution.

Research paper thumbnail of Strategi Bersaing Hotel Syari’ah, Pendekatan Manajemen Bisnis Syari’ah: Studi Pada Syari’ah Hotel Solo

Islamic economics journal, Jun 30, 2019

Islamic sharia is the only guide for people's life of the sake of maqasid sharia fulfillment. Ind... more Islamic sharia is the only guide for people's life of the sake of maqasid sharia fulfillment. Indonesia is now seeking a way to boost the sector of sharia tourism. One of measurements taken to do so is through the enhancement of sharia hotel sector. However, the unstable financial and political constraints are known to hamper the sustainability of sharia hotel. Sharia Hotel Solo is claimed to be the biggest sharia hotel in Indonesia. However, we need to analyze its position in Solo since the city is known to have a heightened hotel sector competition without being entailed by an increase level of consumer. Thus, this research is primarily aimed at describing the competitive strategy applied by Sharia Hotel Solo in accordance with sharia business management. In addition, it also unravels the strengths, weaknesses, opportunities, and threats of the hotel through sharia business management. The research was conducted through quantitative method. It was analyzed through Internal-External Factor Evaluation, SWOT. The results of IFE show that hotel's internal condition was very good as value of IFE in 3.55. Externalcondition of hotel also very good as result of EFE analysis in value of 3.29. However, I-EFE analysis reveals that Sharia Hotel Solo was situated in Cell I , indicating that its competitive strategy was located in developing and building. The SWOT analysis reveals that it can utilize the opportunity with its strength and overcome the threat by enhancing its strength.

Research paper thumbnail of Comparative Analysis of Ports to the Economy of Indonesia: A Cointegration Approach

Journal of Islamic Economis Lariba, Dec 15, 2021

The study intended to explore the effectiveness between import of bovine and export of fish to ec... more The study intended to explore the effectiveness between import of bovine and export of fish to economy of Indonesia. Three variables are utilized which are Import of Bovine, Export of fish and GDP constant 2010. To analyses the existences of short run and long run between variable, Vector Error Correction Model are conducted in this study. The result shows that only bovine import has impact to GDP in short run. On the other hand, bovine import and fish export together contribute to long run economic growth in Indonesia. This research suggest that resources allocation for import of bovine should be maintained as capital for livestock sector in Indonesia rather than being imported as meat for consumption per se, which means incentive for capitalization of imported living bovine should be kept by government. Meanwhile, fishery industry must be supported with long term program such that its impact to economic growth can be optimized.

Research paper thumbnail of The Influence of Sharia Banking Characteristics and Macroeconomics Factors on Sharia Banking Profitability: Empirical Studies in Indonesia

IJIBE (International Journal of Islamic Business Ethics), Jul 25, 2019

The problem in this research is the unimmunity of teacher performance of SD Negeri in Mejobo Dist... more The problem in this research is the unimmunity of teacher performance of SD Negeri in Mejobo District Kudus Regency. The purpose of this study is to analyze and to know the influence of Islamic Leadership on Teacher Performance through Teacher Competence and Quality of Work Life of Elementary School Teachers. The population of this research is all elementary school teachers from 3 villages in Mejobo District Kudus Regency as many as 129 people. This study used 100 teachers as a sample with Purposive Random Sampling. Datas were obtained from questionnaires and interviews. Data analysis using SPSS 16.

Research paper thumbnail of Tingkat Kesehatan Perbankan Syariah di Indonesia: Studi Komparatif Menggunakan Metode CAMEL

Etihad, May 17, 2022

As an intermediary institution, Islamic banks are required to always maintain the health of the b... more As an intermediary institution, Islamic banks are required to always maintain the health of the bank. One way to measure the soundness of a bank by Bank Indonesia regulations is CAMEL. The financial ratios used in the CAMEL method are Capital, Assets, Management, Earnings, and Liquidity. This study aims to determine the soundness of Islamic banking in 2019, and the role of Regulators (Financial Services Authority and Sharia Supervisory Board) in improving bank health. The results of the study show: a) that of the 7 Sharia commercial banks in Indonesia, 3 are in the HEALTHY category, namely Bank Mandiri Syariah, Bank BNI Syariah, and Bank BTPN Syariah. 1 Bank is included in the ENOUGH HEALTHY category, namely Bank BJB Syariah. 2 Banks are in the UNHEALTHY category, namely Bank Bukopin Syariah and Panin Dubai Syariah, and 1 bank is included in the UNHEALTHY category, namely Bank BRI Syariah. b) In supervising and improving bank soundness, OJK has the following authorities: 1) Liquidity, profitability, solvency, asset quality, minimum capital adequacy ratio, maximum lending limit, loan to deposit ratio, and bank reserves, 2) related bank statements with bank health and performance, 3) debtor information system, 4) credit testing; and 5) Bank accounting standards. c) The role of DPS in improving the health of non-financial banks includes: ex-ante auditing, post ante auditing, and calculation and payment of zakat.

Research paper thumbnail of Analisis Penerapan Marketing Syariah Dalam Meningkatkan Kinerja Pemasaran Produk (Studi Pada: Swalayan Ismart, Ponorogo)

Journal of Islamic Economics and Philanthropy, Aug 29, 2020

Dalam penelitian ini peneliti membahas Analisis penerapan Marketing Syariah dalam meningkatkan ki... more Dalam penelitian ini peneliti membahas Analisis penerapan Marketing Syariah dalam meningkatkan kinerja pemasaran produk di Swalayan Ismart. Tujuannya untuk mengetahui proses marketing syariah yang berada di Swalayan Ismart. Penelitian ini adalah penelitian lapangan. Pengambilan data dengan triangulasi yaitu observasi, wawancara, dan dokumentasi. Analisis data menggunakan metode analisis deskriptif kualitatif. Hasil penelitian menunjukkan bahwa Swalayan Ismart dalam pengelolaan dan manajemennya adalah menjadikan marketing syariah sebagai acuan dan pedoman yang dijalankannya. Hal itu diwujudkan dari seluruh kegiatan yang dijalankan didalamnya dan dari beberapa kegiatan kemasyarakatan yang digalang langsung oleh Swalayan Ismart seperti Jum'at berkah, kajian agama dan santunan anak yatim dan lainnya. Setelah dikaji kesesuaiannya dengan marketing syariah, hasilnya sesuai dengan konsep tersebut yang meliputi bauran marketing dan beberapa strategi marketing yang dicontohkan oleh Rasulullah sesuai dengan karakteristik yang ada dalam marteting syariah yang meliputi 4 unsur utama yaitu, Rabbaniyah, Akhlaqiyah, waqi'iyah, dan Insaniyah.

Research paper thumbnail of The Role of Learning in Forming Students Career Choices of Islamic Economics Major

This research is based on the researcher's anxiety that Islamic banking is dominated by non-gradu... more This research is based on the researcher's anxiety that Islamic banking is dominated by non-graduate of Islamic Economics Study. This research aims to determine the factors that influence graduate of Islamic Economics Study perception for career selection and determine the dominant factors that influence graduate of Islamic Economics Study perception for career selection. The research is a quantitative research by using survey method in collecting data. The questionnaire distributed to 58 respondents who were graduated from Islamic Economics programs, University of Darussalam Gontor Ponorogo. The data analysis technique is the exploratory factor analysis. The results of analysis data show that there are three factors formed that influence the graduate of Islamic Economics Study perception for career selection namely consideration of labour market, work environment, and professional education. The most dominant factor that influences the perception of a graduate of Islamic Economics Study for career selection is the consideration of professional education.

Research paper thumbnail of Factors that Influence of Behavior to Contribution in Islamic Peer-to-Peer Lending with PLS-SEM Approach: Empirical Studies in Indonesia

Journal of Islamic Economis Lariba, Aug 5, 2022

This study aims to develop a Theory of Planned Behavior by analyzing the factors that influence c... more This study aims to develop a Theory of Planned Behavior by analyzing the factors that influence customers to contribute to Islamic P2P lending customers. This study uses a partial least squares structural equation model (PLS-SEM) analysis with 120 respondents. The number of respondents is determined by the five rules of thumb approach, while data collection is done by purposive sampling. This research was conducted for one year, namely in 2021-2022 with the provision that the sample was customers of Islamic P2P lending in Indonesia. The results of the study revealed that attitude, subjective norm and perceived behavior control had a significant positive effect on the intention to contribute to Islamic P2P lending. While piety and intention have a significant positive effect on behavior to contribute to Islamic P2P lending in Indonesia. The results of this study contribute to the development of the theory of planned behavior (TPB), more extensive research is needed such as research in countries that are members of the OIC to validate these results.

Research paper thumbnail of The important role of the DTPB in the development of Islamic P2P lending in Indonesia

Asian Journal of Islamic Management (AJIM)

Purpose − the purpose of this study is the determinants of factors influencing to the intention i... more Purpose − the purpose of this study is the determinants of factors influencing to the intention in Islamic Peer to Peer (P2P) financing platform. Methodology − Quantitateve approach with distributing questionnare accross Islamic P2P financing platforms consisting of ethis.co.id, ammana.id, alamisharia.id, danasyariah.id and qazwa.id employed. 121 usable sample is analsyed with using PLS-SEM and Smart PLS 3.2 opreated as analysis tools.Findings − The results show that normative influence affects positively and significantly the subjective norm. In terms of attitude control, only perceived uselfulness has insiginificant influence on attitude. Moreover, self-efficacy and facilitating condition has a positive and significant impact on perceived behaviour control. Attitude and perceived berhaviour control affect intention to participate. However, subjective norm has insignificant impact on intention to participate in P2P financing platform.Implications − The study suggests that islamic P...

Research paper thumbnail of Indonesian Policy on Muslim Friendly Tourism: Geopolitical Overview

Journal of Critical Realism in Socio-Economics (JOCRISE), Sep 29, 2022

Research paper thumbnail of Contribution To Empowerment Of Tourism Industry To Community Welfare

EKOBIS SYARIAH

This study aims to examine the effect of empowerment on welfare. Empowerment here is proxied by e... more This study aims to examine the effect of empowerment on welfare. Empowerment here is proxied by empowering, fostering, supporting, and protecting. Welfare is meant as a maqoshid sharia as measured by hifdz addin, an nafs, al nasl, al aql, and al mal. This study proposes a hypothesis of empowering, fostering, supporting, and protecting a positive effect on welfare. This research was conducted in 2019-2020 which took place at Ngebel Lake with 50 respondents in the tourism sector. This type of research is quantitative with questionnaire data collection that can be measured by a Likert scale. Data analysis through classical assumption test and multiple linear regression. The results of the analysis show that empowering, supporting, and protection have a significant positive effect on welfare. Fostering has no significant effect on welfare. Adjusted R-square value, 0.798119 which states that the four independent variables contributed 79% to the dependent variable. This research is limite...

Research paper thumbnail of Transparency and Reputation as The Factor Influences to The Intention Waqf: Empirical Studies in Gontor Institution

Velocity: Journal of Sharia Finance and Banking

This study aim to measure and exam the transparency and reputation influence to the intention w... more This study aim to measure and exam the transparency and reputation influence to the intention waqf in Gontor Institution. Professional, trustworthy, and honest management of waqf is the reason Gontor continues to grow rapidly. This paper raises reputation and transparency variables as independent variables, intention to have waqf as the dependent variable. The approach this study is a quantitative approach with structural equation modeling-partial least square (SEM-PLS) measurements. by distributing questionnaires to the community and has 197 respondents. The data were processed using path modeling with SmartPLS 3.32 tools. The results of this study indicate that reputation and transparency have a positive and significant effect on intention to do waqf in the Gontor Institution.

Research paper thumbnail of Tingkat Kesehatan Perbankan Syariah di Indonesia: Studi Komparatif Menggunakan Metode CAMEL

Etihad: Journal of Islamic Banking and Finance

As an intermediary institution, Islamic banks are required to always maintain the health of the b... more As an intermediary institution, Islamic banks are required to always maintain the health of the bank. One way to measure the soundness of a bank by Bank Indonesia regulations is CAMEL. The financial ratios used in the CAMEL method are Capital, Assets, Management, Earnings, and Liquidity. This study aims to determine the soundness of Islamic banking in 2019, and the role of Regulators (Financial Services Authority and Sharia Supervisory Board) in improving bank health. The results of the study show: a) that of the 7 Sharia commercial banks in Indonesia, 3 are in the HEALTHY category, namely Bank Mandiri Syariah, Bank BNI Syariah, and Bank BTPN Syariah. 1 Bank is included in the ENOUGH HEALTHY category, namely Bank BJB Syariah. 2 Banks are in the UNHEALTHY category, namely Bank Bukopin Syariah and Panin Dubai Syariah, and 1 bank is included in the UNHEALTHY category, namely Bank BRI Syariah. b) In supervising and improving bank soundness, OJK has the following authorities: 1) Liquidit...

Research paper thumbnail of Factors that Influence of Behavior to Contribution in Islamic Peer-to-Peer Lending with PLS-SEM Approach: Empirical Studies in Indonesia

Journal of Islamic Economics Lariba

This study aims to develop a Theory of Planned Behavior by analyzing the factors that influence c... more This study aims to develop a Theory of Planned Behavior by analyzing the factors that influence customers to contribute to Islamic P2P lending customers. This study uses a partial least squares structural equation model (PLS-SEM) analysis with 120 respondents. The number of respondents is determined by the five rules of thumb approach, while data collection is done by purposive sampling. This research was conducted for one year, namely in 2021-2022 with the provision that the sample was customers of Islamic P2P lending in Indonesia. The results of the study revealed that attitude, subjective norm and perceived behavior control had a significant positive effect on the intention to contribute to Islamic P2P lending. While piety and intention have a significant positive effect on behavior to contribute to Islamic P2P lending in Indonesia. The results of this study contribute to the development of the theory of planned behavior (TPB), more extensive research is needed such as research i...

Research paper thumbnail of Comparative Analysis of Ports to the Economy of Indonesia: A Cointegration Approach

Journal of Islamic Economics Lariba

The study intended to explore the effectiveness between import of bovine and export of fish to ec... more The study intended to explore the effectiveness between import of bovine and export of fish to economy of Indonesia. Three variables are utilized which are Import of Bovine, Export of fish and GDP constant 2010. To analyses the existences of short run and long run between variable, Vector Error Correction Model are conducted in this study. The result shows that only bovine import has im-pact to GDP in short run. On the other hand, bovine import and fish export together contribute to long run economic growth in Indonesia. This research suggest that resources allocation for import of bo-vine should be maintained as capital for livestock sector in Indonesia rather than being imported as meat for consumption per se, which means incentive for capitalization of imported living bovine should be kept by government. Meanwhile, fishery industry must be supported with long term pro-gram such that its impact to economic growth can be optimized