Penelitian ini bertujuan untuk mengetahui “Faktor-Faktor Yang Mempengaruhi Minat Mahasiswa Menabung di Bank Syariah”. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif dengan jenis penelitian kausalitas. Sampel yang digunakan dalam penelitian ini adalah sebanyak 155 orang dengan teknik pengambilan sampel menggunakan teknik purposive sampling. Kuesioner meruakan teknik dalam pengumpulan datanya, kemudian hasil datanya dianalisis menggunakan regresi linier berganda dengan melakukan uji signifikansi simultan (F), uji koefisien determinasi, uji t parsial dengan signifikansi sebesar 5 % (α=0,05) yang diolah dengan alat bantu program komputer SPSS Versi 22.0. Hasil penelitian menunjukkan bahwa secara parsial faktor-faktor yang mempengaruhi minat menabung adalah religiusitas dan pengetahuan mahasiswa. Oleh karena itu, diharapkan bank syariah selalu melakukan sosialisasi secara terus menerus tentang bank syariah dan juga dibarengi dengan program yang dapat meningkatkan keimanan seseorang, sehingga masyarakat terutama mahasiswa dapat beralih ke bank syariah. Sehingga perbankan syariah dapat lebih maju ke depannya dan begitu juga dengan system keuangan syariah yang semakin berkembang. Kata kunci: religiusitas, pengetahuan dan minat menabung
This study aims at exploring and assessing the performance of a waqf institution, i.e., the West Sumatra Muhammadiyah Waqf Board (BWUMSB). In doing so, this research employs dimensions of performance measurement, which encompass efficiency, social effectiveness, maqashid al-sharia , and sustainability and growth as well as the concept of ta'bidul ashli wa tashbilul manfaah. The findings show that BWUMSB does not apply any indicators to assess the performance of its institution. It is also indicated that the revenue earned from managing waqf funds are mostly allocated for administrative expenses. Moreover, although the collection of waqf funds has increased throughout the year, the nazhirs (waqf managers) tend to invest the fund into low-risk businesses, which, in turn, causes profits to be suboptimal. These imply that BWUMSB has not been efficient in managing waqf funds for programs and operational costs. On the other hand, the accumulation of funds every year indicates that BWUMSB has been effective in collecting waqf funds. From the perspective of maqashid al-sharia, the BWUMSB has been trying to be in line with Islamic law. The sustainability and growth dimension indicates that there have been some efforts made by BWUMSB to sustain its institution and the management of waqf funds. Overall, nazhir at BWUMSB strives to safeguard the waqf property and its sustainability benefits, which is suggested by the concept of ta'bidul ashli wa tasbilul manfaah.
Waqf is known to have played significant role over the years as an effective tool of poverty eradication through the provision of essential facilities and public goods for Muslim society. Unfortunately, in recent years, the vast potential of waqf has not been utilised optimally. The lack of required attention has subjected many waqf assets to abuse and neglect. Poor management and ineffective regulation among others issues greatly undermine the potential of waqf in many Muslims communities nowadays. The focus of this paper is to explore the strategies and tools to manage waqf assets effectively. In doing so, series of focus group discussions and interviews were conducted with mutawalli, waqf regulator and academicians. The findings of the study indicate that the role of effective regulation, improved waqf governance, appropriating financing instruments and continuous education is equally important as strategies in developing waqf assets. In addition, this study suggests some important mechanisms particularly accountability and risk management that are necessary for developing the right strategy for waqf administration.
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