Analisis Dampak Program Pemberdayaan Terhadap Kesejahteraan Umat

Poverty is still a problem, especially in realizing prosperity. Many programs are carried out to alleviate poverty, one of which is the empowerment program carried out by Islamic microfinance institutions. This study aims to identify the effect of empowerment contracts on people's welfare. This study uses a quantitative approach. This study uses primary data obtained from interviews, observation, documentation. The data analysis technique used a regression approach. The results and discussion showed that the empowerment contract which included the qardhul hasan and musyarakah contracts had a significant effect on customers' income. Thus, empowerment through the qardhul hasan and musyarakah contract schemes can be developed to realize the welfare of the people.

Working Period As A Moderating Variable Of Work Family Conflict, Work Stress, And Turnover Intention On Contraproductive Work Behavior (Case Study On Bca Syariah)

Counterproductive work behavior has caused a lot of harm to the organization and employees, both directly and indirectly. This research aims to determine the effect of work-family conflict, work stress and turnover intention on counterproductive work behavior with tenure as a moderator variable. This research using a purposive sampling technique and took 100 employees of BCA Syariah Bank by distributing questionnaires. The data obtained were analyzed using SmartPLS 3.3. The results of this research are work family conflict, and work stress has a positive effect on counterproductive work behavior, while turnover intention has a negative effect on counterproductive work behavior. The employees who want to resign will maintain their attitude by acting permanently or more productively than usual. The excuse is that employees avoid the penalties and keeps a good track record. In addition, tenure moderates the effect of work-family conflict on counterproductive work behavior.

Pengaruh Religiusitas, Pelayanan dan Tarif Premi terhadap Kepuasan Nasabah Asuransi Syariah dengan Minat Berasuransi Syariah Sebagai Variabel Intervening di Perusahaan Asuransi Syariah Cabang Surabaya

Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh religiusitas, pelayanan, tarif premi terhadap kepuasan nasabah dengan minat berasuransi syariah sebagai variabel intervening di Asuransi XYZ Syariah Cabang Surabaya. Penelitian ini merupakan penelitian eksplanatori dengan pendekatan kuantitatif. Populasi dalam penelitian ini adalah nasabah yang bergabung di perusahaan asuransi XYZ Syariah Cabang Surabaya. Sampel diambil dengan menggunakan teknik accidental sampling dengan kriteria (1) masyarakat yang sudah menjadi nasabah asuransi syariah , dan (2) berusia 17 – 50 tahun sebanyak 100 responden. Analisis data menggunakan PLS dengan program SmartPLS 3.2.8.Hasil penelitian ini menunjukkan bahwa (1) Religiusitas berpengaruh positif dan signifikan terhadap minat nasabah berasuransi, (2) Pelayanan berpengaruh positif dan signifikan terhadap minat nasabah berasuransi, (3) Tarif premi berpengaruh positif dan signifikan terhadap minat nasabah berasuransi, (4) Religiusitas berpengaruh negatif dan tidak signifikan terhadap kepuasan nasabah, (5) Pelayanan berpengaruh positif dan signifikan terhadap kepuasan nasabah

Perilaku Konsumen Berdasarkan Religiusitas

This study aims to examine more deeply consumer behavior based on religiosity and halal awareness owned by Muslimah lecturers in Malang.This study uses a phenomenological study which aims to examine more deeply the personal experiences of Muslimah lecturers in purchasing products, especially halal cosmetic products. Phenomenological studies based on this aspect of religiosity and halal awareness are still rarely carried out. So that by doing this research, it will add to the knowledge base, especially in the field of consumer behavior.The focus of the problems that will be examined in this research is the first; is how the informants interpret the aspect of religiosity they have in influencing their consumption behavior towards halal products and the second; is how the relationship between religiosity and halal awareness owned by the informants, so that this will add to the treasures of scientific development, especially consumer behavior based on the aspect of religiosity. The results of the study show: First) The aspect of religiosity in the eyes of Muslim lecturers is interpreted as a form of "commitment" to their faith, so that the aspect of religiosity is the main consideration in the purchase/choice of halal cosmetics. Second) Religiosity and halal awareness have a close relationship, this is evidenced by the tendency of Muslim lecturers to prefer halal cosmetics over non-halal cosmetics. These results indicate that the higher the religiosity of the informants, the higher the level of halal awareness owned by Muslim lecturers in Malang.

Book Leverage in Islamic Banking in Indonesia

The purpose of this study is to examine how book leverage is in Islamic banks in Indonesia. The leverage book shows how the use of debt in Islamic banking. This study will give the results of how the lag leverage, profitability with the size of the company as the control have an effect on the book leverage of Islamic banking. This study uses Islamic banking data in Indonesia with a research period of four years, namely 2016-2019. This study used secondary data from Islamic banking and analyzed using regression. The results showed that there is an influence between lag leverage, profitability, and company size on the book leverage of Islamic banking in Indonesia.

Analisis Optimalisasi, Transparansi dan Efisiensi Pengelolaan Dana Zakat Pada Badan Amil Zakat Nasional (Baznas) Sidoarjo

Zakat is one of the pillars of philanthropy in Islam. In its management, of course, must carried out and comply with applicable laws. There are several zakat institutions in Indonesia, One of them is the National Amil Zakat Agency (Baznas). This research aims to see the extent to which the level of optimization, transparency and efficiency of zakat management at the Amil Agency National Zakat (Baznas) in Sidoarjo. Data collection techniques used in This study uses observation and interviews. The results of this research discussion areoptimization can be said to be quite optimal by utilizing human resources in the inside and outside Baznas to drive distribution optimization levels. Transparency has not been said to be maximal because there is no financial reporting to the public overall. The management efficiency in 2019 was 128.9%.

The Role of Noan Performing Financing (NPF) as A Mediator for The Relationship Between Operating Expenses and Operating Income (BOPO) on The Performance of Islamic Banks in Indonesia

This study aims to examine and analyze the relationship between the effect of operating costs and operating income on bank performance which is mediated by credit risk. Using data on Islamic banking companies listed on the IDX in 2012-2019. The methodology in this study uses secondary data. Data specification is panel data (pooled data) which is actually a combination of data consisting of time series data and cross-sectional data. The analysis tool used is SEM-PLS with the WarpPLS 7.0 application. The results of this study indicate that credit risk can partially mediate the effect of operating costs and operating income on bank performance. This research is successful in proving that the operational cost ratio is used to measure the level of efficiency and ability of a bank in conducting its operations. The smaller this ratio means the more efficient the operational costs borne by the bank concerned so that the possibility of a bank in a less problematic condition. The smaller this ratio, the better the bank's performance.

The Role of Sharia Banks as Nazhir Partners in the Management of CWLS Retail SWR001 Investment Products

Islamic social finance, one of which waqf should have a position and role that can synergize to contribute economically, considering Indonesia has the largest Muslim population in the world. The issue that the potential waqf assets of 2000 trillion with about 51,155.57 ha of waqf land that exists today has not been a productive asset that serves as a source of income in developing the people's economy. While the potential of cash waqf that reaches Rp 180 trillion (BWI) but collected around 391 billion. Therefore, needs the innovation of social finance-based investment scheme with the support of professionalization in its management (in this case nadzir board), one of which is LKS-PWU, especially Sharia Banking. Through State Sukuk instruments in the form of CWLS retail SWR001 products, the government and BWI involve Sharia Banking as Nazhir partners and distribution partners. This study aims to explain the role of sharia banking as nazhir partners in the management of Cash Waqf Linked Sukuk (CWLS) retail SWR001 investment products in the perspective of the basic principles of waqf. This research was conducted by qualitative research method, Library Research approach. Validity of data with source triangulation. The data analysis technique in this study is to use discourse analysis. The results showed that Policy, management and technical processes conducted by Sharia Banking in the management of CWLS Retail SWR001 both in terms of nazhir criteria, the process of collecting and distributing waqf funds is compatibility with the provisions of the Basic Principles of Waqf (PPW) at points 13, 15 and 17 in order to realize good governance for nazhir(Good Nazhir Governance). Keywords: Islamic Bank, Cash Waqf, CWLS Retail SWR001, Waqf Core Priciples (WCP), Good Nazhir Governance

The Influence of Sales and Purchase Financing Income on the Profitability of PT. Bank Muamalat Indonesia Tbk (Period 2006-2019)

This study aims to determine the effect of murabahah financing income, istishna financing income both simultaneously and partially on profitability. The object of this research is PT. Bank Muamalat Indonesia TBK with a research period in 2006 to 2019. The method used in this study is a quantitative method with multiple linear regression techniques. Analysis techniques using multiple linear regression include the classic assumption test, the regression equation test and hypothesis testing. In data analysis using assumptions, the independent variable is murabahah financing income (X1), istishna financing income (X2) with the dependent variable is Return On Assets (Y). The results showed that simultaneously murabahah financing income and istishna financing income could explain or explain ROA of 44.1%, the rest was influenced by variables or other factors of 55.9%. While partially, murabahah financing income variable has a significant negative effect on ROA at PT. Bank Muamalat Indonesia TBK. Istishna financing income variable has a significant positive effect on ROA at PT. Bank Muamalat Indonesia TBK.

Factors Affecting Distribution of Islamic Commercial Bank Financing in Indonesia Period 2014 to 2019

This research background was the decline of financing distribution ratio of Sharia Commercial Banks in Indonesia as seen from the data of the Financing to Deposit Ratio (FDR) during the period of 2014 to 2019. In 2014, the Sharia Commercial Banks FDR was recorded at 86.66%, it went down to 79.10% in 2019, meanwhile according to Bank Indonesia’s regulation in 2019, the intermediation ratio for all banks should be in the range of 84 to 94%. Compared to Sharia Business Unit and Conventional Commercial Banks, Sharia Commercial Banks, during the research period, had a lower FDR. The low FDR of Sharia Commercial Bank showed that the role of intermediation was sub-optimal and that there was considerable room for finance expansion. Suspected factors affecting the distribution of financing of Sharia Commercial Banks in this researchwere limited to Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Bonus of Bank Indonesia Certificates Syariah (SBIS), and Inflation. The results showed that the CAR, NPF, SBIS, and Inflation variables altogether had a significant effect on Sharia Commercial Bank Financing. While partially, only NPF variable had a significant effect on Sharia Commercial Bank Financing, with a regression coefficient of -2458,047, meaning that each 1% increase in the NPF will reduce Sharia Commercial Bank Financing by 2,458,047 billion Rupiah. The research results implication is that one way to optimize Sharia Commercial Bank financing in Indonesia is to reduce the level of Non-Performing Financing (NPF) at those banks