Aceh is noted to have extensive waqf land spread over 16,560 districts and cities with an area of 8,902.33 ha. Unfortunately, Aceh's waqf resources are relatively passive and have not been utilized optimally. Aceh even ranks as the poorest province in Sumatra, according to a release issued by BPS in 2020. Various waqf problems make the existing potential not adequately managed, even though if optimized, the benefits will be huge for the people of Aceh. For this reason, this study aims to investigate further waqf in Aceh Province so that it can be more optimal in its management and help improve the economy of the Acehnese people. This study uses a qualitative method where the data comes from a literature study obtained from good books, journals, articles, and websites. The results of this study indicate that the optimization of waqf in Aceh can work if stakeholders can improve overall community literacy, certify waqf land, provide guidance to waqf nadzir and make institutional improvements. With the advancement of these four things, it is believed that the potential of waqf in Aceh can be optimized and more productive to bring economic change to the people of Aceh.
{"title":"Waqf Optimization in Aceh Province","authors":"Angga Syahputra, Taufiq Taufiq","doi":"10.21093/at.v7i2.3662","DOIUrl":"https://doi.org/10.21093/at.v7i2.3662","url":null,"abstract":"Aceh is noted to have extensive waqf land spread over 16,560 districts and cities with an area of 8,902.33 ha. Unfortunately, Aceh's waqf resources are relatively passive and have not been utilized optimally. Aceh even ranks as the poorest province in Sumatra, according to a release issued by BPS in 2020. Various waqf problems make the existing potential not adequately managed, even though if optimized, the benefits will be huge for the people of Aceh. For this reason, this study aims to investigate further waqf in Aceh Province so that it can be more optimal in its management and help improve the economy of the Acehnese people. This study uses a qualitative method where the data comes from a literature study obtained from good books, journals, articles, and websites. The results of this study indicate that the optimization of waqf in Aceh can work if stakeholders can improve overall community literacy, certify waqf land, provide guidance to waqf nadzir and make institutional improvements. With the advancement of these four things, it is believed that the potential of waqf in Aceh can be optimized and more productive to bring economic change to the people of Aceh.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-06-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"49026654","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Islamic Banking Window have a good level of comparison and contribute to government policies in changing from Islamic business units to Islamic commercial banks. This study aims to find out which countries and their relationships with publications can be used as benchmarks for future research and present the findings of the most authored articles and provide direction for future research with the theme of Islamic Banking Window. This paper quantitatively analyzes the literature on Islamic Banking Window, as represented by English-language 60 articles from the Scopus database with a time span from 2008 to 2021. Using a bibliometric approach plus content analysis. We find that Malaysia is the most relevant country, Universiti Kebangsaan Malaysia (UKM) the most relevant institution and the International Journal of Islamic and Middle Eastern Finance and Management and Journal of Islamic Accounting and Business Research the most relevant journal. There are two main topics: (1) general studies on the Islamic banking window and (2) practical implications. We also offer future research directions.
{"title":"Unit Usaha Syariah pada Perbankan Syariah: Tinjauan Pustaka dengan Bibliometrik","authors":"Dedy Mainata","doi":"10.21093/at.v7i1.4354","DOIUrl":"https://doi.org/10.21093/at.v7i1.4354","url":null,"abstract":"Islamic Banking Window have a good level of comparison and contribute to government policies in changing from Islamic business units to Islamic commercial banks. This study aims to find out which countries and their relationships with publications can be used as benchmarks for future research and present the findings of the most authored articles and provide direction for future research with the theme of Islamic Banking Window. This paper quantitatively analyzes the literature on Islamic Banking Window, as represented by English-language 60 articles from the Scopus database with a time span from 2008 to 2021. Using a bibliometric approach plus content analysis. We find that Malaysia is the most relevant country, Universiti Kebangsaan Malaysia (UKM) the most relevant institution and the International Journal of Islamic and Middle Eastern Finance and Management and Journal of Islamic Accounting and Business Research the most relevant journal. There are two main topics: (1) general studies on the Islamic banking window and (2) practical implications. We also offer future research directions.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46395265","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The halal industry has experienced significant development in recent years, including cosmetic industry and halal pharmaceutical which has increased quite drastically nowadays. This study aims to determine the factors that influence the preference of millennial generation for halal cosmetics in East Kalimantan, including religiosity variable, halal awareness and halal certification. This research can be categorized as field research with quantitative method. The data used were from primary data collected directly from respondents using google form, while the secondary data were obtained from articles, books, internet. The data which collected was then processed in several stages of testing, namely validity and reliability test, classical assumption test, multiple linear regression analysis and hypothesis testing. The results showed that the religiosity variable had a positive but not significant effect on the preference of millennial generation for cosmetics, while the halal awareness and halal certification variable had a positive and significant effect on the millennial generation's preference for halal cosmetics in East Kalimantan.
{"title":"Factors Affecting the Preference of Millenial Muslim Generation Toward Halal Cosmetics in East Kalimantan","authors":"Fitri Rahmah","doi":"10.21093/at.v7i1.3818","DOIUrl":"https://doi.org/10.21093/at.v7i1.3818","url":null,"abstract":"The halal industry has experienced significant development in recent years, including cosmetic industry and halal pharmaceutical which has increased quite drastically nowadays. This study aims to determine the factors that influence the preference of millennial generation for halal cosmetics in East Kalimantan, including religiosity variable, halal awareness and halal certification. This research can be categorized as field research with quantitative method. The data used were from primary data collected directly from respondents using google form, while the secondary data were obtained from articles, books, internet. The data which collected was then processed in several stages of testing, namely validity and reliability test, classical assumption test, multiple linear regression analysis and hypothesis testing. The results showed that the religiosity variable had a positive but not significant effect on the preference of millennial generation for cosmetics, while the halal awareness and halal certification variable had a positive and significant effect on the millennial generation's preference for halal cosmetics in East Kalimantan.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"43254873","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Samarinda is one of the most populous cities in East Kalimantan province. Some data which obtained from the Central Statistics Agency of Samarinda, they were recorded more than one million people living here until 2020. Meanwhile, around 80% of the population of Samarinda were Muslim. One of the pillars of Islam that is always done regularly every year is paying zakat. By considering the large population in Samarinda, the potential for zakat in this city is very large. Professional management of zakat infaq and shodaqoh potential will be an economic strength in order to reduce poverty level, create jobs, increase income and encourage people's economic growth.
{"title":"A A Perception of Samarinda Citizen in Choosing Zakat, Charity, and Shadaqah Institution","authors":"Tikawati Tikawati, Bambang Iswanto","doi":"10.21093/at.v7i1.3928","DOIUrl":"https://doi.org/10.21093/at.v7i1.3928","url":null,"abstract":"Samarinda is one of the most populous cities in East Kalimantan province. Some data which obtained from the Central Statistics Agency of Samarinda, they were recorded more than one million people living here until 2020. Meanwhile, around 80% of the population of Samarinda were Muslim. One of the pillars of Islam that is always done regularly every year is paying zakat. By considering the large population in Samarinda, the potential for zakat in this city is very large. Professional management of zakat infaq and shodaqoh potential will be an economic strength in order to reduce poverty level, create jobs, increase income and encourage people's economic growth.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"42495162","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Ega Rusanti, S. Syarifuddin, A. S. Sofyan, M. Ridwan
The culture of consumerism has expanded globally. Basically, this ideology is a derivative of investment capitalism which gives rise to a spirit of consumption to form "self-identity". As a result, consumerism causes new problems in the order of life, namely psychological and manipulative damage, the formation of new social constructs, as well as economic inequality and ecological damage. This study aims to examine the assumptions in Islamic rationality on the influence of consumerism. This research is a descriptive qualitative with systematic literature review (SLR) analysis tool to carry out studies, interpretations, extractions, and synthetic retrieval of previous studies. The results showed that the Islamic rationality described in the Al-Quran is able to answer the problems caused by consumerism that occur. The assumptions in Islamic consumption that are interpreted in the Qur'an are: Consuming halal and thayyib and avoiding haram consumption; consumption is balanced simply and in moderation; consuming by prioritizing priority needs and social consumption; conduct sustainable and responsible consumption.
{"title":"Islamic Rationality on the Influence of Global Consumerism Culture","authors":"Ega Rusanti, S. Syarifuddin, A. S. Sofyan, M. Ridwan","doi":"10.21093/at.v7i1.3053","DOIUrl":"https://doi.org/10.21093/at.v7i1.3053","url":null,"abstract":"The culture of consumerism has expanded globally. Basically, this ideology is a derivative of investment capitalism which gives rise to a spirit of consumption to form \"self-identity\". As a result, consumerism causes new problems in the order of life, namely psychological and manipulative damage, the formation of new social constructs, as well as economic inequality and ecological damage. This study aims to examine the assumptions in Islamic rationality on the influence of consumerism. This research is a descriptive qualitative with systematic literature review (SLR) analysis tool to carry out studies, interpretations, extractions, and synthetic retrieval of previous studies. The results showed that the Islamic rationality described in the Al-Quran is able to answer the problems caused by consumerism that occur. The assumptions in Islamic consumption that are interpreted in the Qur'an are: Consuming halal and thayyib and avoiding haram consumption; consumption is balanced simply and in moderation; consuming by prioritizing priority needs and social consumption; conduct sustainable and responsible consumption.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-12-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"43624023","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Cupian Anzal, Muhammad Ikhwan Al Ayyubi, A. Hasanah
Sukuk Retail SR008 was issued in 2016 as one of instrument to finance government deficit in spending . Sukuk Retail SR008 reported to have the largest number of investors and total issuance in the history of retail sukuk in Indonesia. This study investigates the effect of internal and external variables on the trading volume of retail sukuk SR008 in the short and long term. Using a montly data from June 2016 to February 2019 and use the Vector Error Correction Model (VECM), the independent variables used in this study are, retail sukuk SR008 price and yield, ORI013 retail bond price, mudhorabah profit sharing for one month, and GDP level. The results show that price sukuk retail SR008, yield sukuk retail SR008 and PDB have a positive and significant effect on the trading volume of retail sukuk SR008 in the longrun however variable share rate of mudhorabah one-month and price bond retail ORI013 have negative effect . In the short run, all independent variables have no significant effect on the retail sukuk SR008 trading volume.
{"title":"Analisis Pengaruh Faktor Eksternal dan Internal Terhadap Tingkat Permintaan Sukuk Ritel SR008","authors":"Cupian Anzal, Muhammad Ikhwan Al Ayyubi, A. Hasanah","doi":"10.21093/AT.V7I1.2415","DOIUrl":"https://doi.org/10.21093/AT.V7I1.2415","url":null,"abstract":"Sukuk Retail SR008 was issued in 2016 as one of instrument to finance government deficit in spending . Sukuk Retail SR008 reported to have the largest number of investors and total issuance in the history of retail sukuk in Indonesia. This study investigates the effect of internal and external variables on the trading volume of retail sukuk SR008 in the short and long term. Using a montly data from June 2016 to February 2019 and use the Vector Error Correction Model (VECM), the independent variables used in this study are, retail sukuk SR008 price and yield, ORI013 retail bond price, mudhorabah profit sharing for one month, and GDP level. The results show that price sukuk retail SR008, yield sukuk retail SR008 and PDB have a positive and significant effect on the trading volume of retail sukuk SR008 in the longrun however variable share rate of mudhorabah one-month and price bond retail ORI013 have negative effect . In the short run, all independent variables have no significant effect on the retail sukuk SR008 trading volume.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-12-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46298666","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This research generally describes the application of performance measurement in Baitul Maal wat Tamwil (BMT) based on orientation to benefit all stakeholders (stakeholders & shareholders), but studies that specifically measure aspects of the methodology for implementing performance measurement are still limited. Therefore, Maslahah Performa is used as an instrument in the application of performance measurement in BMT Umat Mandiri. The study aims to determine the implementation of performance measurement Maslahah Performa issues on BMT Umat Mandiri. Knowing the results of the analysis of the application of process performance measurement and benefit-based performance results in BMT Umat Mandiri. The methodology used in this study is qualitative and quantitative research methods with case study design. The research findings indicate that six benefit orientations exist in BMT Umat Mandiri. These orientations include worship, internal processes, talents, learning, customers, and property. The six orientations found in this research have a foundation of benefit in realizing strategic objectives for the achievement of benefit. BMT Umat Mandiri has a process performance of 0,400 and performance results of 0,656 which means that BMT Umat Mandiri provides less benefit to stakeholders.
本研究总体上描述了绩效衡量在Baitul Maal wat Tamwil（BMT）中的应用，基于使所有利益相关者（利益相关者和股东）受益的方向，但专门衡量实施绩效衡量方法各方面的研究仍然有限。因此，Maslahah Performa被用作BMT Umat Mandiri性能测量应用的仪器。本研究旨在确定BMT Umat Mandiri绩效衡量Maslahah Performa问题的实施情况。了解过程性能测量和基于效益的性能结果在BMT Umat Mandiri中的应用分析结果。本研究采用定性和定量研究相结合的方法，采用案例研究设计。研究结果表明，BMT Umat Mandiri存在六种利益取向。这些取向包括崇拜、内部流程、人才、学习、客户和财产。本研究发现的六个方向为实现效益的战略目标奠定了效益基础。BMT Umat Mandiri的工艺性能为0400，性能结果为0656，这意味着BMT Umart Mandiri为利益相关者提供的利益较少。
{"title":"Kinerja Baitul Maal Wa At-Tamwil Umat Mandiri-Pesantren Hidayatullah Balikpapan Menggunakan Maslahah Performa","authors":"M. R. K. Sah, A. Firdaus, Mukhammad Yasid","doi":"10.21093/AT.V7I1.3189","DOIUrl":"https://doi.org/10.21093/AT.V7I1.3189","url":null,"abstract":"This research generally describes the application of performance measurement in Baitul Maal wat Tamwil (BMT) based on orientation to benefit all stakeholders (stakeholders & shareholders), but studies that specifically measure aspects of the methodology for implementing performance measurement are still limited. Therefore, Maslahah Performa is used as an instrument in the application of performance measurement in BMT Umat Mandiri. The study aims to determine the implementation of performance measurement Maslahah Performa issues on BMT Umat Mandiri. Knowing the results of the analysis of the application of process performance measurement and benefit-based performance results in BMT Umat Mandiri. The methodology used in this study is qualitative and quantitative research methods with case study design. The research findings indicate that six benefit orientations exist in BMT Umat Mandiri. These orientations include worship, internal processes, talents, learning, customers, and property. The six orientations found in this research have a foundation of benefit in realizing strategic objectives for the achievement of benefit. BMT Umat Mandiri has a process performance of 0,400 and performance results of 0,656 which means that BMT Umat Mandiri provides less benefit to stakeholders.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-12-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"49124076","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Waqf is one of the sources of Nation's income that can empower the sharia economy. The Implementation of waqf cannot be separated from the supervision of the Indonesian Waqf Board. Indonesian Waqf Board supervises at the provincial level as an independent institution tasked with empowering productive waqf. In this study, the supervisory process carried out by the Indonesian Waqf Board in South Kalimantan applies the empowerment of productive waqf by the Indonesian Waqf Board of South Kalimantan to the development of the sharia economy. This study aimed to determine how to implement the empowerment model applied by the Indonesian Waqf Board to the sharia economy. This research is a descriptive study with a sociological and normative approach. Data collection techniques through observation, interviews, documentation, and triangulation with the determination of informants through purposive snowball sampling. The results showed that from these results the implementation of (1) the waqf model for building construction in building facilities and infrastructure, and (2) the waqf model for business development covering agriculture, animal husbandry, and business units. The two models are then linked to management, including investment management and productive waqf distribution management. The management of the Indonesian Waqf Board in South Kalimantan implements the empowerment of Human Resources with the supervision of nazhir based on waqf law, sharia economic system, and waqf administration or entrepreneurship. The managerial process is inseparable from the leadership factor. Through direct supervision by South Kalimantan BWI staff and the Ministry of Religion, control is carried out to oversee productive waqf assets.
{"title":"The Impact of Productive Waqf's Implementation to the Development of Sharia Economics in South Kalimantan","authors":"Lisda Aisyah, Muhammad Noval, Darmawati Darmawati","doi":"10.21093/AT.V6I2.3423","DOIUrl":"https://doi.org/10.21093/AT.V6I2.3423","url":null,"abstract":"Waqf is one of the sources of Nation's income that can empower the sharia economy. The Implementation of waqf cannot be separated from the supervision of the Indonesian Waqf Board. Indonesian Waqf Board supervises at the provincial level as an independent institution tasked with empowering productive waqf. In this study, the supervisory process carried out by the Indonesian Waqf Board in South Kalimantan applies the empowerment of productive waqf by the Indonesian Waqf Board of South Kalimantan to the development of the sharia economy. This study aimed to determine how to implement the empowerment model applied by the Indonesian Waqf Board to the sharia economy. This research is a descriptive study with a sociological and normative approach. Data collection techniques through observation, interviews, documentation, and triangulation with the determination of informants through purposive snowball sampling. The results showed that from these results the implementation of (1) the waqf model for building construction in building facilities and infrastructure, and (2) the waqf model for business development covering agriculture, animal husbandry, and business units. The two models are then linked to management, including investment management and productive waqf distribution management. The management of the Indonesian Waqf Board in South Kalimantan implements the empowerment of Human Resources with the supervision of nazhir based on waqf law, sharia economic system, and waqf administration or entrepreneurship. The managerial process is inseparable from the leadership factor. Through direct supervision by South Kalimantan BWI staff and the Ministry of Religion, control is carried out to oversee productive waqf assets.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"42567406","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
A. S. Sofyan, Ayu Ruqayyah Yunus, M. Muslihati, Nurfiah Anwar, Emily Nur Saidy
The culture and geography of a country are the cause of low Islamic financial inclusion and the lack of public knowledge in the Southeast Asian region about the Arabic term on Islamic financial products. Therefore, this study aims to integrate local wisdom and Islamic financial inclusion and realize Islamic -based financial products based on local wisdom. This research is a qualitative descriptive study that is a literature review. The object of the discussion is sourced from research, articles, and reference books related to this topic. The research results are integrating culture with Islamic financial institutions through several efforts, first preaching the Islamic economy with a psychosufistic approach that manifests in the value of Tauhid, humanity, humility, local wisdom and self-transformation to people with low Islamic financial literacy. The second is to strive to create financial products by identifying traditional economic practices throughout Indonesia based on research analyzed by the ‘urf rule. This research has implications for information on the potential market share of Islamic finance in Indonesia and solutions to developing Islamic financial inclusion. The issue of strengthening the market share of Islamic finance in rural areas is still weak. This research study is the first to develop financial products based on local practices in Indonesia.
{"title":"Local Economic Practices in Developing Islamic Financial Products in Indonesia","authors":"A. S. Sofyan, Ayu Ruqayyah Yunus, M. Muslihati, Nurfiah Anwar, Emily Nur Saidy","doi":"10.21093/AT.V6I2.2946","DOIUrl":"https://doi.org/10.21093/AT.V6I2.2946","url":null,"abstract":"The culture and geography of a country are the cause of low Islamic financial inclusion and the lack of public knowledge in the Southeast Asian region about the Arabic term on Islamic financial products. Therefore, this study aims to integrate local wisdom and Islamic financial inclusion and realize Islamic -based financial products based on local wisdom. This research is a qualitative descriptive study that is a literature review. The object of the discussion is sourced from research, articles, and reference books related to this topic. The research results are integrating culture with Islamic financial institutions through several efforts, first preaching the Islamic economy with a psychosufistic approach that manifests in the value of Tauhid, humanity, humility, local wisdom and self-transformation to people with low Islamic financial literacy. The second is to strive to create financial products by identifying traditional economic practices throughout Indonesia based on research analyzed by the ‘urf rule. This research has implications for information on the potential market share of Islamic finance in Indonesia and solutions to developing Islamic financial inclusion. The issue of strengthening the market share of Islamic finance in rural areas is still weak. This research study is the first to develop financial products based on local practices in Indonesia.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45930644","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The surefire way to achieve prosperity is entrepreneurship. In the digital era, there are almost no obstacles to starting a business. The only capital is creativity and courage. Anyone can open an online store, without having to open a physical store first, including women. Women business actors are identical to Micro, Small, and Medium Enterprises (MSMEs). Indonesia and Malaysia are countries that have a majority Muslim population. For a Muslim woman, success can be seen when she manages to build a sakinah family. Women's digital entrepreneurship offers flexibility between work and household matters. This study aims to analyze the important factors that help explain the success of Muslim women MSME entrepreneurs who use digital channels in marketing their products. The study was applied through a descriptive-qualitative approach, where the data were primary-based. The objectivity was applied to 103 informants obtained from several MSME communities randomly from Indonesia and Malaysia. We find that social capital is a relevant factor for entrepreneurial success among Muslim women MSME entrepreneurs, the form of social capital is the number of children. This finding supports the idea that Muslim women entrepreneurs who have fewer children tend to spend more time on their business than Muslim women entrepreneurs who have more children. Financial capital projected by income growth also affects success, although income growth is on a small scale. Self-efficacy due to internal factors originating from within MSME female entrepreneurs such as self-confidence and tenacity, they are successful in their business. Religiosity has a significant effect on the success of a Muslim woman entrepreneur.
{"title":"Faktor Kesuksesan Pengusaha UMKM Wanita Muslim Pengguna Kanal Digital","authors":"Fenty Fauziah, Azhar Latief","doi":"10.21093/AT.V6I2.2635","DOIUrl":"https://doi.org/10.21093/AT.V6I2.2635","url":null,"abstract":"The surefire way to achieve prosperity is entrepreneurship. In the digital era, there are almost no obstacles to starting a business. The only capital is creativity and courage. Anyone can open an online store, without having to open a physical store first, including women. Women business actors are identical to Micro, Small, and Medium Enterprises (MSMEs). Indonesia and Malaysia are countries that have a majority Muslim population. For a Muslim woman, success can be seen when she manages to build a sakinah family. Women's digital entrepreneurship offers flexibility between work and household matters. This study aims to analyze the important factors that help explain the success of Muslim women MSME entrepreneurs who use digital channels in marketing their products. The study was applied through a descriptive-qualitative approach, where the data were primary-based. The objectivity was applied to 103 informants obtained from several MSME communities randomly from Indonesia and Malaysia. We find that social capital is a relevant factor for entrepreneurial success among Muslim women MSME entrepreneurs, the form of social capital is the number of children. This finding supports the idea that Muslim women entrepreneurs who have fewer children tend to spend more time on their business than Muslim women entrepreneurs who have more children. Financial capital projected by income growth also affects success, although income growth is on a small scale. Self-efficacy due to internal factors originating from within MSME female entrepreneurs such as self-confidence and tenacity, they are successful in their business. Religiosity has a significant effect on the success of a Muslim woman entrepreneur.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46150377","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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