Zulfikar Bagus Pambuko

• Magister
• Lecturer at Muhammadiyah University of Magelang

Efficiency is an important indicator to observe the banks' ability in resisting and facing the tight rivalry at banking industry. The study aims to evaluate the efficiency and to analyze the determinants of efficiency of Islamic bank in Indonesia on 2010 – 2013 with Two-Stage Data Envelopment Analysis approach. The objects of the study are 11 Islam...

This study aims to evaluate the performance of Islamic Rural Banks (IRB) in Central Java and the Special Region of Yogyakarta for supporting SDGs 16 based on POJK Number 3 of 2022. The analysis involved 36 IRB during the 2022-2023 period, focusing on quantitative performance encompassing profitability aspects (ROA, OER, NI) and capital adequacy (KP...

Education for Sustainable Development (ESD), recognized as a component of the Sustainable Development Goals (SDGs), has been mandated for implementation in Indonesian Higher Education. The Higher Education emerges as a crucial tool in advancing SDGs, particularly in promoting awareness and understanding among students regarding proper sanitation, s...

The handicraft industry in Indonesia is one of the three subsectors that contribute significantly to the country’s GDP. One of the crafts that has a large number of micro-scales is batik crafts. It is necessary to develop batik motif designs so that micro-scale batik MSMEs can still survive the competition. Batik MSMEs in Samarinda are no exception...

Sumberarum Village, Magelang Regency, holds great tourism potential with its natural hot springs, which remain underutilized. The main challenges include the lack of integrated digital information and limited digital marketing skills among the local community. This community service initiative aims to develop sustainable tourism potential through t...

The handicraft industry in Indonesia is one of the three subsectors that contribute significantly to the country’s GDP. Among other creative industry subsectors, handicrafts (particularly the Batik industry in this case) have the highest labor force multiplier. Despite MSMEs contributing 60% to the national GDP, the productivity of micro enterprise...

Background Spin-offs play a significant role in organizational development strategies, particularly in Islamic banking, by fostering entrepreneurship, innovation, and Shariah-compliant management practices. Indonesia stands as a pioneer in implementing the dual banking system and has established a spin-off policy to foster the growth of Islamic ban...

Gaps between potential and realization of collection fund ziswaf caused by trust to institution zakat, knowledge about zakat and level of education. Generation Z as a generation that is currently entering productive age and has the potential to be educated to become zakat payers and as a productive group in the field of philanthropy. It is believed...

The deadline of 2023 has almost passed for the obligation to conduct a spin-off for sharia business units in Indonesia to become a fully-fledged Islamic bank. However, a number of empirical findings highlight the urgency of evaluating this policy. Furthermore, many sharia business units are unable to meet the minimal standards. The paper aims to re...

The well-known tourist destination in Indonesia is the Borobudur Temple, which is in the Central Java Province's Magelang Regency. In the Borobudur District, Wanurejo Village is a village with a good reputation for tourism attractions and foreign visitors. Tour activists must be able to employ a variety of English language skills, including reading...

Electronic Word of Mouth (e-WOM) activities play a crucial role in sharing information online, including the sustainability of a tourist destination, which is influenced by the ripple effect of tourists sharing their experiences on social media. This study aims to examine the influence of memorable tourism experiences, which include factors like he...

Sharia digital banking represents a recent innovation in the Islamic banking industry. Beyond being a trend, digital banks serve as an adaptation to address emerging changes and threats. The aim of this research is to identify factors influencing interest in using Sharia digital banks. In this case, the author examines the influence of user interfa...

The purpose of this study was mapping the future research path by determining the progress of literature on spin-off decisions in Islamic banking from 1:2012 to 5:2022. The analysis, however, was limited to the author, source, and keywords. Scopus, Dimensions, and Google Scholar are some of the databases utilized for this bibliometric analysis. The...

Traditional market development is essential to survive competition in modern markets. Furthermore Papringan, one of Indonesia's traditional viral markets, implemented a strategy of hawking traditional food with keping pring as a currency. This study examines the marketing concept of Papringan Market, Temanggung, and its economic impact on the commu...

Borobudur Temple is one of the five Indonesian super-priority destinations targeted to be the "New Bali." Wanurejo tourist village is one of the areas affected by this and is considered a buffer zone to develop. Therefore, skilled human resources are required in the use of digital technology, especially social media, to be able to promote tourism d...

It is necessary to develop community empowerment initiatives in the Covid era, one of which entails holding workshops on the use of garden medicinal herbs. Socialization and workshop in this program is aimed at increasing the empowerment of rural communities in optimizing garden yields and independent, creative, and innovative entrepreneurship for...

The COVID-19 pandemic caused a large-scale disruption to countries worldwide particularly in road traffic changes and people mobility. To respond to this, a titanic amount of published studies had investigated those concerns. However, a study describing mitigation efforts relating to this pandemic in the transportation sector is scarce. On the othe...

This community service aims to aid in the prevention of Covid-19 transmission and the success of the vaccination acceleration program for residents of the Magelang Regency. The Subdistricts of Pakis, Tegalrejo, Mertoyudan, Mungkid, Muntilan, Dukun, Sawangan, and Tempuran are some of the areas that are supported in the administration of mass vaccina...

The problems in this study include the limitations of the right to integrity in moral rights concerning freedom of expression and the comparative protection of Moral Rights in Indonesia, France, America and Germany. This study is a normative juridical method with a statute approach, conceptual approach, and a comparative approach using primary mate...

The economic system could not be separated from the role of banking, either in funding, financing, or both. Today, Islamic bank was becoming an alternative banking service which had given new nuances to the business, both in terms of providing working capital or investment. This study aimed to investigate the effect of spin-off on Islamic Banks’ pr...

Purpose This paper aims to analyze the role of waqf in the socio-economic development of the organization of the Islamic Cooperation (OIC) countries. Various projects currently use waqf as an instrument for socio-economic development, as reported in the scholarly literature. This study will investigate this literature to explore trends in waqf stud...

LazisMu Bandongan memiliki program dalam mengenalkan praktik baik pengelolaan zakat yang mengakar di masyarakat. Salah satunya adalah praktik Baitul Maal Kebonwage, yang merupakan binaan LazisMu Bandongan. Kegiatan pengabdian ini ditujukan mendukung LazisMu Bandongan dalam pembuatan short movie Baitul Maal Kebonwage. Kegiatan ini dilaksanakan dalam...

LazisMu Bandongan sebagai salah satu lembaga zakat nasional yang berkhidmat dalam pemberdayaan terus melakukan inovasi guna meningkatkan kesejahteraan masyarakat. Salah satu inovasi yang dilakukan adalah pengembangan program wakaf oksigen sebagai upaya penghijauan untuk pelestarian lingkungan dan memberikan manfaat jangka Panjang bagi masyarakat da...

Kegiatan pengabdian ini ditujukan untuk membantu UMKM dalam memperluas jangkauan usahanya melalui katalog digital MitraMu yang dikelola oleh LazisMu Bandongan, Magelang. Kegiatan ini dilakukan dengan empat tahapan, yaitu pembekalan, pendataan, pemetaan dan penyusunan company profile, dan pengunggahan di aplikasi MitraMu. Kegiatan pembekalan dilakuk...

Kegiatan pengabdian ini ditujukan untuk mengedukasi masyarakat tentang kewajiban membayar zakat hasil pertanian. Kegiatan ini dilaksanakan di Dusun Kebondalem, Desa Bandarsedayu, Kecamatan Windusari, Kabupaten Magelang dengan melibatkan jamaah yasinan bapak-bapak dan ibu-ibu. Kegiatan ini menggunakan pendekatan Participatory Rural Appraisal yang di...

This study aims to analyze the role of Islamic social finance institutions in building the halal industry in Indonesia. Five hypotheses were formulated, and PLS-SEM was used to estimate and test the hypothesized model. The results show that only two hypotheses are supported. Zakat institution has a significant effect on building the halal industry...

Waqf institutions in some Muslim countries including Indonesia face obstacles in providing funds to manage their waqf lands. This paper aims to propose an alternative developing model for Muhammadiyah waqf institutions to meet the financing and management constraints using the concepts of waqf land categorisation using Islamic investment models. In...

It is undeniable that efforts to provide biofuels are a compulsion for Indonesia, now and the future. Increasing oil imports not only burden the country's finances, but the massive use of fossil fuels also threatens the environment. Therefore, this article presents an analysis of the provision of research funding by the government on biodiesel. Dat...

Since 2008, Indonesia has had a particular policy for Islamic windows to spin off into full-fledged Islamic banks separate from their conventional parent if they meet the criteria. In the case of Bank Aceh Syariah, since Q3 2016, the spin-off has been done through a conversion mechanism from Bank Aceh to Bank Aceh Syariah. The study aims to analyze...

This study aims to explore the experience of digital payment users, especially e-wallet and e-money. The data collection uses an online questionnaire. The descriptive analysis shows that the users of digital payment do not concentrate on the capital of the province. Furthermore, e-wallet is more popular than e-money, although the majority of users...

This study aims to analyze the intention to use on electronic money for Indonesian users. 97 respondents participated in the survey with online survey. 22 hypotheses were formulated and PLS-SEM was used to estimate and test the hypothesized model. The results show that only 8 hypotheses are supported. Lifestyle compatibility and hedonic motivation...

Purpose: The study aims to analyse the social funds' productivity of Islamic banks in Indonesia and the antecedents of it. The study will measure the social fund productivity followed by the investigation about the variable which can determine the Islamic bank productivity. Methodology: The study conducted at nine Islamic banks Indonesia. Two stag...

Muhammadiyah as one of the social organizations engaged in religious, social, education and health has a very strategic and important role in society. One of the assets managed by Muhammadiyah is waqf, the existence of waqf has become very strategic because besides being an Islamic philanthropic institution, waqf also plays an important role in pro...

Consumer interest in privately managed urban transport services in Indonesia are showing a declining trend. On the other hand, the presence of Transportation on Demand (ToD) based on Internet of Things (IoT) has attracted the majority of conventional fleet customers which contribute to the declining trend of occupancy. Therefore, this study aims to...

The research grant is carried out with a quality assurance cycle that involves the research group to produce the research outcomes such as publication, books, or other intellectual property. However, there are problems regarding the distribution of honorariums from the rest of the budget so that they are fair according to the contributions of each...

The study aims to analyse the spin-off policies’ impact on the Islamic banks’ efficiency in Indonesia. The study was conducted on five spin-off Islamic banks and efficiency were measured by the BOPO ratio. The research variables used were dummy spin-off, ROA, FDR, and economic growth. Data analysis used panel data regression on annual data from 200...

Industri perbankan di Indonesia yang terus berkembang dalam sistem dual banking system terus menghadapi tantangan, baik profil risiko maupun kompleksitas usaha. Oleh karenanya, OJK terus mendorong perbankan untuk menjaga tingkat kesehatannya yang berbasis risk-based bank rating. Bagi perbankan syariah, penilaian tersebut berkaitan dengan risk profi...

Human resource management is the key component for every organization. The empowerment of human resource is a strategic decision which in return affects the organizational productivity. The purpose of the present study is to examine the impact of HR empowerment through information technology, cultural dimensions and organizational knowledge with th...

p> The research aimed to analyze the stability of Islamic banking industry and its determinants in Indonesia. The same analysis was also done to the conventional banking industry as Indonesia practices dual banking systems. Using monthly data on Indonesian Banking Statistics for 2008-2013, this research implemented the Banking Stability Index (BSI)...

Under the Law Number 21 of 2008 article 4 explains the obligation for Islamic banks in Indonesia to manage social funds, besides the funding and financing activities. This study aims to analyse the level of productivity of social funds at Islamic banks. Data analysis using Malmquist Productivity Index (MPI) technique on 8 BUS in 2013-2017. The inpu...

Islamic banks are obliged to fund and finance the funds to the public. Moreover, Islamic banks are also required to perform social functions. The study aims to analyse the level of social productivity of Islamic Banks in Indonesia and the determinants of it. The data analysis used the Two-Stage Malmquist Productivity Index technique where the first...

Indonesia is one of the countries that have implemented the Islamic finance concept in its banking industry and known as Dual Banking System. Hence, the growth of Indonesian Islamic Banks for decade shows the positive performance, including the level of profitability. The use of profitability as the indicator of banking performance related to the i...