Cash and in-kind transfers are one of the instruments utilized in an endeavor to further expand the economy and solve household welfare concerns. Aside from the government social security programmed, religious organizations provide a few informal cash and in-kind transfers to largely disadvantaged households. The primary goal of this research is to investigate the effect of cash and in-kind transfers from religious organizations on the consumption expenditures of Muslim households. The Indonesian Family Life Survey (IFLS) 2014 data is used. Using the Ordinary Least Squares method, this study discovers that Muslim households spend the cash and in-kind transfers from religious organizations on two types of household expenditure, namely personal expenditure and utility expenditure.

This research was motivated by the importance of financing the MSME sector based on syariah principles to overcome the problem of limited MSME business capital and avoid the element of usury. The research aims to determine what factors had a significant effect on the realization of MSME financing at the Sharia Bankaltimtara, Samarinda. To analyze the factors that influenced the realization of MSME financing, the used method was multiple linear regression analysis. The independent variables were estimated, namely the age of the customer, the level of education of the customer, the length of the business of the customer, the net income per month, the type of business, the composition of venture capital, collateral value, and type of financing contract. Multiple linear regression analysis was tested with the SPSS 23.0 statistical tool. This research finds that there are two factors that have a significant influence on the realization of MSME financing at Sharia Bankaltimtara, Samarinda, namely the customer's net profit per month and the value of the financing collateral.

The trend of the flexing phenomenon, especially on social media, is currently causing various reactions, one of which is the tendency to consume and use various luxury facilities. In consumer behavior, this phenomenon is referred to as Conspicuous Consumption. In today's modern world, it happens not only to upper-class consumers, but also to everyone in the community with various goals, including the goals of acquiring social status, prestige, or wealth. For lower-middle households, of course, this is a problem, so financial planning is needed. This study aims to explore the perspective of Maqasid Sharia in financial planning for Muslim families as a solution to the Conspicuous Consumption phenomenon. This research is a qualitative descriptive study with a library research approach. Data were obtained from official reports as well as other literature from journals, books and websites. The results of this study indicate that financial planning based on the Maqasid Sharia hierarchy, namely Dharurriyah, Hajiyyah and Tahsiniyyah can prevent the phenomenon of Conspicuous Consumption in Muslim households. In addition, Islamic consumption which prohibits Israf and aims to achieve Maslahah is a contradiction to Conspicuous Consumption. Good financial planning will ultimately bridge Muslim families to achieve prosperity in this world and the hereafter.

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.

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.

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.

This study aims to determine and analyze the implementation of amil management in LAZ Dana Peduli Ummat (DPU) East Kalimantan. The research was conducted using qualitative methods, by conducting in-depth interviews with Amil LAZ DPU Kaltim in Samarinda, Kutai Kartanegara, and Balikpapan. The data validity was performed using the triangulation method, and data analysis used the Miles and Huberman model. The results showed that the application of amil management in LAZ DPU East Kalimantan were; In the recruitment of amil, HR planning is carried out and the determination of amil's criteria. The work agreement applies the signing of the integrity fact. For the coaching and development of amil, 3 months of training are held for new amil, SDB program (Greetings DPU Blessings) every morning in the early hours of work, CURGAS (Talk of Ideas), Fiqh Zakat School, Training both inside and outside. For performance assessment using KPI (Key Performance Indicator) instrument which is audited internally and externally. While the compensation given is in the form of basic salary, food allowance, health, family, transportation and bonuses. To strengthen Human Resources, four basic principles are applied, namely: the Abdullah and Khalifah principles, justice, organizational goals and individual goals of human resources, and references to the character of the Prophet Muhammad: shiddiq, amanah, fathanah and tabligh. Apart from that, Amil's coaching is also based on values; kafa'ah, amanah and himmatul 'amal.

This study aims to analyze the National Zakat Amil Agency (BAZNAS) of Maros Regency in distributing zakat. The research design is field research and uses qualitative descriptive methods. The instruments of this study are interview guides, field notes and recoding. The results of the study found that: 1) BAZNAS Maros district distributes zakat in Consumptive and productive forms. 2) consumptive is given once in a while which is carried out in the month of Ramadan except for study completion assistance when given a request to enter through a proposal for study completion assistance, while for productive funds is channeled every three months based on incoming requests for assistance.

This study investigates the effect of financial ratios on stock returns at companies listed in Indeks Saham Syariah Indonesia (ISSI) period 2012-2016. This study uses quantitative methods with secondary data collected from the company's financial statements. The population in this study were all companies listed on the Syariah Indonesia Stock Index (ISSI) during the period of 2012-2016 as many as 149 companies. Based on the sampling technique with purposive sampling method obtained a sample of 59 companies with data collected during the period 2012-2016 as many as 295 financial report data. In this study panel panel regression was used to see the effect of the independent variables consisting of ROCE, TATO, TIER, PER and CFR on the dependent variable namely Stock Return. Processing data in this study using Eviews 9. Software. Data analysis techniques in this study using statistical techniques with the help of Eviews 9 program. Based on 59 companies observed, fixed effect panel data regression models have been used to examine the relevance to the effect of financial ratios on stock returns. The result of the research, found that the Total Asset Turnover (TATO) and Time Interest Income Ratio (TIER) have a positive effect on stock returns. Total Asset Turnover (TATO) and Time Interest Earned Ratio (TIER) can be considered by investors to make decisions in choosing which companies have high stock returns. Return On Capital Employed (ROCE), Price To Earning Ratio (PER), and Cash Flow Ratio (CFR) are not related to stock returns.

This study aims to see the level of comparison of the consumption patterns of Jambi netizen before, during and after the month of Ramadan. The research approach uses descriptive qualitative analysis method of data triangulation consisting of interview data, observations and questionnaires by comparing consumption expenditure financing. This study used 140 respondents with the findings that 95% of respondents said they had increased consumption costs in the month of Ramadan. The comparison of Jambi Netizen’s consumption level before, when and after Ramadhan measured by the level of food and drink, clothing expenditure. Expenditure ini Ramadan month has increased from 41% -50% and 91% -100% compared to other months, while the clothing’s expenditure in the Ramadan month compared to other months has increased by the ranges from 150% -249% and 250% -349%. The differences in consumption patterns in ramadhan month compared to other months can be seen in the increasing number of people who shop in the market for on one day before ramadhan to prepare consumption needs in the month of Ramadan and H-10 during Ramadan to prepare for buying Lebaran clothes and consumption of Eid preparations. At the time of Ramadan there is a tradition of going home, on average, the respondents claim spent accommodation funds ranging from Rp. 1,000,000 to Rp. 2,500,000 and also adjusted to the distance to the hometown plus the purchase of consumption and souvenirs for the family in the hometown.