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Al-Muzara'ah

jalmuzaraah
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Published by Institut Pertanian Bogor

ISSN : 23376333 EISSN : 26157659 DOI : 10.29244/jam

Core Subject : Economy, Education,

Economics, Econometrics & Finance Other

Al-Muzara'ah â€“Journal of Islamic Economics and Finance, is a collaborative journal of the Department of Islamic Economics, Bogor Agricultural University with the Indonesian Association of Islamic Economist (IAEI). The aim of the journal is to communicate and as the media of academic socialization by providing a platform for publication of research in the fields of Islamic economics, finance, microfinance, banking, insurance, halal industry, social finance and poverty alleviation, law and sharia issues in economics and finance, capital market, and other topics related to this area.

Arjuna Subject : -

Articles 91 Documents

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Analisis Keterkaitan Inklusi Keuangan Syariah dengan Pembangunan di Negara Anggota OKI Lubis, Deni; Ramadhoni, Muhammad Giffari
AL-MUZARA'AH Vol. 7 No. 2 (2019): AL-MUZARA'AH (December 2019)
Publisher : Department of Islamic Economics, IPB University

Financial inclusion is one of the main issue on Islamic banking in providing access to financial services to the community. However there are many people who have not access to financial services, especially Islamic banking. This study aims to measure the level of Islamic financial inclusion in several OIC countries (Islamic Cooperation Organization) based on the classification of state income and to analyze the relationship of inclusion of Islamic finance with development. The calculation of the Islamic financial inclusion index used the Index of Syariah Financial Inclusion (ISFI) method. The response variable used in this study is ISFI and the predictor variable is GDP per capita, unemployment rate, number of cellular telephone users, and the population of the village. The method used is descriptive analysis and tobit regression analysis. This study used secondary data from 10 OIC member countries based on the level of state income in 2013-2016. Based on the results of data analysis, high income countries have a high average inclusion rate compared to middle income countries. While GDP per capita and the number of cellular telephone users has a positive effect to the development, meanwhile the unemployment rate has a negative effect.

Bibliometric Analysis of Islamic Economics and Finance Journals in Indonesia Firmansyah, Egi Arvian; Faisal, Yudi Ahmad
AL-MUZARA'AH Vol. 7 No. 2 (2019): AL-MUZARA'AH (December 2019)
Publisher : Department of Islamic Economics, IPB University

For researchers in Islamic economics and finance, publishing a journal article is one of the prerequisites to enhance the discipline of Islamic economics and finance. However, to fill out the gap in current research in the field, a researcher has to review various peer-reviewed journals. This paper utilizes a bibliometric analysis through VOSviewer software to help a researcher visualizing the performance of the Islamic economics and finance journals and the researchers in the field as well as their topic of interest. This method enables a researcher with a self-developed approach in the data collection. The result of this study shows top-five Islamic economics and finance Indonesian journals, along with the ten most productive researchers. We believe there should be an improvement in the journal management and collaboration among researchers in Indonesia for the betterment of the journals in Islamic finance in the years to come.

Factors Affecting Waqifâ€™s Decision in Selecting Productive Waqf (Case Study at Dompet Dhuafa Republika) Mahdiah, Nurlaila; Hasanah, Neneng; Nursyamsiah, Tita
AL-MUZARA'AH Vol. 7 No. 2 (2019): AL-MUZARA'AH (December 2019)
Publisher : Department of Islamic Economics, IPB University

Indonesia as a country with largest Muslim population in the world has potentials in utilizing its Islamic philanthropy source of funds to alleviate social and economic problems in society, one is through waqf. Waqf that is managed productively has proven its positive contribution to the advancement of a country. However, the collecting of waqf fund is still dominated by direct waqf (non-productive) based on the instruction a waqif gave. This shows that the majority of waqif prefers direct waqf (non-productive) to productive one. Therefore, the purpose of this study is to analyze the factors that affect waqifâ€™s decision in selecting productive waqf. Data collection is done by the questionnaires given to the respondents. The respondents are 65 waqif at Dompet Dhuafa Republika. The method used in this study is descriptive analysis and logit regression. The result shows that waqifâ€™s decision in selecting productive waqf is affected by their comprehension on productive waqf, age, subjective norm, and marital status.

Regionalisasi Wakaf Tanah di Provinsi Aceh: Suatu Telaah Pemetaan dan Kebijakan Maulana, Hafiizh; Iski, Nurul; Pratama, Aditya Putra
AL-MUZARA'AH Vol. 7 No. 2 (2019): AL-MUZARA'AH (December 2019)
Publisher : Department of Islamic Economics, IPB University

This research was conduct to identify the regionalization of land waqf in Aceh Province based on compilation of waqf data sourced from Sistem Informasi Wakaf (Siwak) The Ministry of Religious Affairs of the Republic of Indonesia. This research is interesting because there are no studies that have conducted mapping land of waqf. Mapping of potential land waqf in Aceh Province wants to offer an easy solution in terms of inventory potential region as making policy. The methode used by descriptive analysis which is also elaborated with Geographic Information System analysis (GIS) tool. Based on the results of the GIS mapping conducted in the area of land waqf in Aceh Province, land waqf is concentrated in North Aceh District covering 63% of the distribution waqf land in Aceh. However, land Waqf has not been synergy optimally managed with the process of certifying legality. Regionalization needs two types of policy schemes; those are nazhir and waqif perspectives. Nazhir perspective policy is carried out in the scheme of forming professional waqf nazhir institutions. Meanwhile, the waqf perspective policy needs to be carried out with spatial planning and waqf area with the establishment of an Aceh waqf management body regulated in a Perda/Qanun.

Pengaruh Zakat dan Kesempatan Kerja terhadap Tingkat Kemiskinan di Aceh Amri, Khairul
AL-MUZARA'AH Vol. 7 No. 2 (2019): AL-MUZARA'AH (December 2019)
Publisher : Department of Islamic Economics, IPB University

This study aims to analyze the effect of zakah revenues and job creation on poverty rates. Using a panel data set of 23 districts in Aceh for the period of 2011-2017, a fixed-effect method of the panel regression model and the Granger causality test was utilized to analyze the functional relationships between the three variables. The study found out that the zakah revenue and job creation have a negative and significant effect on poverty rates. However, the negative effect of job creation on poverty rates is greater than the negative effect of zakah revenues. The Granger causality test indicates that there is bidirectional causality between poverty rates and zakah revenues and between employment creation and poverty rates. Conversely, there is no causality between zakah revenues and job creations.

Analisis Risiko Pembiayaan Syariah Pada Sektor Pertanian Tsabita, Khonsa
AL-MUZARA'AH Vol. 2 No. 2 (2014): AL-MUZARA'AH (December 2014)
Publisher : Department of Islamic Economics, IPB University

One of the main problems of agricultural sector in Indonesia is the lack of financial support. There are many financing programs which available to overcome this problem, but this problem still persist. Thus, the alternative financing scheme such as Islamic financing that concern on risk sharing concept rather than profit, is a feasible solution. Moreover, the increase of Islamic financing on agricultural sector requires many studies. One of them is about financing risk analysis as well as risk management instruments and systems. This research is applied at BPRS (Islamic Rural Bank) Amanah Ummah, Leuwiliang, Bogor, Indonesia, which provides financing for agricultural business. Thus, this research is focused on analyzing Islamic financing risk and measuring potential loss. In addition, this Islamic financing risk is analyzed with Enterprise Risk Management (ERM) framework method and the potential loss is measured with creditrisk+ method. Overall, this research contributes to literatures on Islamic financing in agricultural sector and provides ground-study related toÂ financing risk analysis on Islamic microfinance institutions.

Analisis Faktor-Faktor Preferensi Etnis Tionghoa Terhadap Bank Syariah di Indonesia Sari, Yurita; Sumarwan, Ujang; Hosen, M Nadratuzzaman
AL-MUZARA'AH Vol. 3 No. 1 (2015): AL-MUZARA'AH (June 2015)
Publisher : Department of Islamic Economics, IPB University

The research aimed to develop and to test the consistency of the relationship between preference factrs of Chinese Ethnic towards Islamic Banks in Indonesia. According to previous research, customerâ€™s internal and external factors as well as marketing strategy of the Islamic Banks are the main reason behind their decisions to become Islamic Banksâ€™ customers. However, some of the previous researches have also shown inconsistent result in which it is stated that the religious factor is the main reason for Chinese Ethnic to choose Islamic Banks, whereas some other research concluded that religion has nothing to do with the decision to become customer in Islamic Banks.In line with the purpose of the research is to analyze how far the factors mentioned above could influence the preference of people with Chinese Ethnicity towards Islamic Banks. The approach used in this research is survey method. Sumarwan (2011) explains that survey is a design of a research which collects data from some respondents that are selected from a population. The sample of this research is Indonesian Chinese Ethnics, Â including the Muslim ones and also include those who are already a customer in Islamic Banks as well as those who are not. This study specificallyÂ analyzes perception attribute variable such as location, higher return, quality service, Islamic bankâ€™s reputation and image, product features, marketing, and teknology; and also environment variable, personal variable, culture variable, and lastly preference variable of the Chinese ethnics towards Islamic Banks in Indonesia by using AIDA (awareness, interest, desire)Â model approach. The data is analyzed by using SEM (structural equation model) technique.An interesting phenomenon of the research is that Islamic Banks use Islamic principles which prohibited the act of Ribaâ€™, while the Chinese Ethnic customers and the prospective customers also considering the same thing. Most of Chinese Ethnics are Buddhist, Christian, and Catholic which prohibited interests in banking system.The result of this study concluded that the level of knowledge of Chinese Ethnics that are not yet a customer towards Islamic Banks is lower than the knowledge level of Muslim Chinese Ethnics who are already a customer in Islamic Banks. With AIDA model, it is found that environment variable which consists of social and culture has significant influence towards atribute perception and also towards other AIDA variables such as Awareness, interest and desire.

Pengaruh Zakat Terhadap Indeks Pembangunan Manusia dan Tingkat Kemiskinan Mustahik : Studi Kasus Pendayagunaan BAZNAS Kota Bogor Murniati, Rina; Beik, Irfan Syauqi
AL-MUZARA'AH Vol. 2 No. 2 (2014): AL-MUZARA'AH (December 2014)
Publisher : Department of Islamic Economics, IPB University

This research aims at analyzing zakat distribution program of BAZNAS of Bogor City and its impact towards mustahik life based on the income changes after zakat and the values of post-zakat Human Development Index (HDI) and poverty reduction. By utilizing t-statistics, individual HDI, and poverty indicators, this study concludes that zakat has positive impact in increasing human development of mustahik in Bogor city. T-statistics result shows that theres is significant impact of zakat on the mustahik income. HDI value indicates that there is an increase from 47 to 49 in the presence of zakat. As for poverty indicators, all indices used portray significant reduction in the poverty level of mustahik. This could be observed from the reduction in the values of headcount ratio index (H), poverty gap index (P1), income gap indeks (I), and Sen indeks of poverty (P2), respectively.

Analisis Faktor-Faktor Yang Memengaruhi Muzaki Dalam Memilih Organisasi Pengelola Zakat (OPZ): Studi Kasus di Badan Amil Zakat Nasional Kota Bogor Rulian, Nadilla Ambarfauziah; Anggraeni, Lukytawati; Lubis, Deni
AL-MUZARA'AH Vol. 3 No. 1 (2015): AL-MUZARA'AH (June 2015)
Publisher : Department of Islamic Economics, IPB University

The main purpose of management of zakat in Act No 23/2011 is to achieve public welfare and poverty alleviation. However, until now, zakat has not been sufficient to attain both these goals since zakat fund collected in Indonesia is only about 1% of its national potential that reaches Rp 217 trillion. This indicates that there are many muslims who are not motivated to pay zakat nor trust Zakat Management Organization. This study analyzes the factors that influence muzakki in choosing Zakat Management Organization and the performance of BAZNAS Kota Bogor from muzakkiâ€™s perception. Logistic regression is used to analyze the factors that affect muzakki in choosing the Zakat Management Organization. Descriptive analysis is used to analyze the perceptions of the BAZNAS Kota Bogor. This research was conducted during the month of February 2014 with 30 respondents BAZNAS Kota Bogorâ€™s muzakki and 30 respondents muzakki whose paying zakat directly to mustahiq. The results of logistic regression show that the factors that affect muzakki in choosing Zakat Management Organization are income, the level of reliability, and institutionâ€™s image. The muzakkiâ€™s perception of the performance of BAZNAS Kota Bogor can be concluded as good, particulary in reliability, responsiveness, and tangible.

Analisis Pembiayaan Sektor Perdagangan Hotel dan Restoran pada Perbankan Syariah di Indonesia Suryadi, Geri; Priyarsono, Dominicus Savio; Arsyianti, Laily Dwi
AL-MUZARA'AH Vol. 2 No. 2 (2014): AL-MUZARA'AH (December 2014)
Publisher : Department of Islamic Economics, IPB University

Islamic banking is an alternative for entrepreneurs in trade, hotel, and restaurants (THR) to obtain capital relief that can push the pace of economic. The purpose of this study was to analyze the response of Â Islamic banking financing ratios on THR sector in the event of shocks to the banking performance factors, monetary instruments, macroeconomic conditions and the rate of return and analyze the contribution of each variable in explaining the diversity of Islamic financing ratios in THR sector. The analytical method used is Vector Error Correction Model (VECM) with variables that describe the performance of banking, macroeconomic conditions, monetary instruments, and financial returns. The results showed that, shocks to the variables Industrial Production Index (IPI), lending rates (SBK) and equivalent rate financing (ERP) will be responded positively by Islamic financing ratio of THR sector. While shocks to the variables of Third Party Funds (TPF), troubled financing (NPF), a bonus SBI Sharia (BSBIS), inflation (INF) and the placement of funds in the money market with Sharia principles (PUAS) will be responded negatively by Islamic financing ratio of THR sector. Based on this research, Islamic banking should be more focus on financing for the PHR sector because it will provide a great benefit to the development of the real sector.

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