This study aims as a first step in determining the financial health of the company using the Early Warning System (EWS) financial ratios and early corporate bankruptcy. This research aims to analyze the Altman Z-Score and Fulmer Model models which will be used as an Early Warning System (EWS) for sharia insurance vulnerabilities in Indonesia. The Altman Z-Score and Fulmer Model methods use data obtained from financial reports and processed as a measure of financial health. The ratio that influences the financial vulnerability of sharia insurance in Indonesia using the Altman method which has been modified using PCA is the ratio of retained earnings/total assets (X2) and income before tax/total assets (X3). Meanwhile, the influential ratios from the Fulmer method modified using PCA found 3 ratios that influenced the financial vulnerability of sharia insurance in Indonesia, namely Retained Earning/Total Assets (V1), EBT/Equity (V3) and Cash Flow/Total Debt (V4).

This study aims as a first step in determining the financial health of the company using the Early Warning System (EWS) financial ratios

This study aims to elaborate on the application of indicators of five lower-order constructs of maqāṣid sharī‘ah in measuring the satisfaction of Islamic cooperative members

Islamic Securities Crowdfunding (ISCF) is a crowdfunding method for
MSMEs or start-ups, where investors obtain ownership in the form of
securities based on Islamic principles. With the large amount of funds
collected, it is necessary to increase data security and data transactions;
however, the system implemented by the platform is still centralized so
that cybercrimes can occur that threaten personal data or funds. This
chapter analyses the potential of implementing a blockchain system on a
securities platform for Islamic crowdfunding

In the aftermath of World War II, business values proliferated throughout
the West and Japanese cultures. Notably, the latter emphasizes
collectivity, loyalty, and family-centeredness in the workplace, whereas
the former tends to prioritize output. However, these cultures have failed
to incorporate religious values into their philosophical foundations and
practices.

The halal industry has great potential for

Sustainable financing for green businesses is becoming an increasingly prominent topic among academics, practitioners, and policymakers.

This study examines the efficiency of local government spending

this research can serve as a reference for zakat institutions or the government in disbursing zakat funds

The population of Ogan Komering Ilir Regency in 2020 was 769,348 people. The poverty rate in 2020 reached 123.34 thousand people, then in 2021 it increased to 124.78 thousand people. The increasing poverty rate is a problem for the performance of zakat managers, while zakat itself is a form of poverty alleviation effort. This research is to determine the impact of zakat management performance in alleviating poverty in Ogan Komering Ilir district and the factors that influence the performance of zakat management in poverty alleviation. Quantitative descriptive analysis method. The total respondents in this study were 100 respondents from zakat management employees in each district, sub-district, sub-district/village of Ogan Komering Ilir district. In this research, a new variable is added in the performance of zakat management, namely the muzakki trust variable. The analysis method in this research uses Partial Least Squares Structural Equation Modeling (PLS-SEM). The results of this research show that zakat management performance factors influence poverty alleviation by 59.2% and the remaining 40.8% is influenced by other variables. Overall, the performance of zakat management has a positive and significant effect on poverty alleviation.

Islamic banks need to develop strategies to increase customer loyalty. It prevents customers from switching to other banks and ensures business survival. This is especially true for Islamic regional banks with relatively homogeneous customer bases. This study investigates the impact of perceived service quality and Islamic financial literacy on customer loyalty in NTB Syariah Bank, which is recognized for its excellence in regional banking. Through purposive sampling, data is gathered via questionnaires from 85 respondents after filtering through 112 respondents and analysed using Structural Equation Modelling (SEM). Key findings reveal that service quality significantly influences customer loyalty, with empathy and tangibility emerging as crucial factors. Empathy is crucial in fostering positive customer experiences and building long-term relationships. A high level of tangibility can enhance customer confidence and satisfaction. Additionally, the study underscores the positive correlation between service quality, Islamic financial literacy, and customer loyalty. Practical implications highlight the importance of enhancing financial literacy and fostering trust in Islamic banking through regulatory support and educational initiatives. This research fills a gap in understanding regional bank practices and offers insights for tailored financial literacy programs in rural communities.
 

This study evaluates the cause and effect of financing problems on Baitul Mal wa Tamwil (BMT) during COVID-19 and analyzes the strategy taken by BMT to handle financing problems. This study is qualitative research. The primary and secondary data were obtained from observations, interviews, and documentation. The informants of the study are top management and members of BMT Al Hidayah Kotaraja Lombok Timur. The data are analyzed using the FMEA (Failure Mode and Effect Analysis) approach. The FMEA method is a systematic method used to identify and prevent problems in a company's product or business process. All process is calculated in a score, namely Risk Priority Number (RPN), and shown in the Pareto diagram. Financing problems are categorized as substandard, doubtful, and bad financing. The causes of financing problems are, among others, the employee’s lack of ability to assess the personality of the prospective debtors in fulfilling their installments, and natural disasters (the COVID-19 pandemic) that may affect someone’s financial ability. Financing problems have an impact on the emergence of financing risk. BMT Al Hidayah Kotaraja is also directly impacted by the inefficient money flow because monthly profit sharing still needs to be distributed to the members. The main factor causing this problem is staff members' inability to evaluate potential debtors. Additionally, the company's approach to these financing problems has not been working. The management, in that case, focused on the debtors instead of their employee’s capability. In that circumstance, the management ought to focus on improving the capacity of their staff to evaluate potential members. According to this study's findings, the FMEA is applicable in resolving finance issues in BMT.

The proposed solution will be more effective using a market-driven strategy and rational persuasion

Hasil penelitian menunjukkan, kualitas pelayanan islami y perusahaan travel dan kepercayaan jamaah memiliki pengaruh yang signifikan terhadap kepuasan pelanggan yang dirasakan oleh jamaah umroh dan haji khusus,

his unique book discovers a new dimension in the study of strategic and performance management in Islamic Business studies. It addresses the missing link of spirituality from modern-day organizational structure in the presence of high-tech pressure in all areas of human endeavours. The authors propose an integrated study of Islamic business approach to strategic and performance management systems to achieve sustainable organizational performance. The book explores employees’ wellbeing and organizations’ perceiving work environment as a spiritual pathway to cultivate values in Islamic business ecosystem to sustain humanity. It is all about care, empathy, and sustenance of others, about truthfulness and management being truthful to themselves and others and endeavouring to live their values more effusively while performing their work. The book stresses the impact of spirituality in performance management, concluding that for any organization to run efficiently, spirituality is the core component to attain happiness, contentment, and success.