This paper aims to determine the implications of halal certification for the halal product business in Indonesia. The issue of halal has become a global trend marked by the presence of halal certification institutions in various parts of the world. This paper uses descriptive qualitative methods through a review of relevant literature and observations of the practice of implementing halal guarantee systems in Indonesia. Data obtained through journals, books, magazines, newspapers, electronic media, such as the official website of LPPOM MUI and personal communication with competent sources. The results showed that the certification of halal products has positive implications in building a halal business climate in Indonesia. For consumers, halal certification provides protection, guarantees, product halal information and becomes an instrument of business ethics. For business people, halal certification provides benefits to increase consumer confidence and reach the global halal food market.

Studi ini bertujuan untuk mengkaji peluang bisnis halal, tantangan dan solusinya di Indonesia. Penelitian ini menggunakan metode deskriptif kualitatif dengan menggunakan data dokumentasi berupa buku, laporan lembaga resmi seperti BPS, OJK, BI, Kemendag, Kemenpan dan jurnal ilmiah. Hasil kajian dari beberapa literatur didapati bahwa Indonesia sebenarnya memiliki peluang yang sangat besar untuk menjadi pusat bisnis halal dunia. Hal ini terlihat dari beberapa indikator diantara tingginya tingkat populasi umat Islam dan tingginya tingkat konsumsi. Namun sikap pelaku usaha yang cenderung tidak aware, lebih mengejar keuntungan, minimnya perhatian pemerintah, lebih dilindunginya pelaku usaha dari pada konsumen, rendahnya respons masyarakat terhadap produk halal merupakan hambatan besar. Solusi utamanya dengan percepatan penerapan UU JPH sebagai payung hukum, kesadaran para pengusaha dan pelaku bisnis, dengan menjadikan sertifikasi halal sebagai bagian pelayanan prima, dan dukungan masyarakat.

This study aims to determine the effect of zakat, infaq and alms on the welfare of mustahik in the BAZNAS Tangerang City during the COVID-19 pandemic. This type of research is a quantitative approach. The data used is primary data obtained based on respondents' answers to the questionnaire distributed by researchers to mustahik in BAZNAS Tangerang City. The data analysis method uses the Classical Assumption Test which includes the Normality Test, Multicollinearity Test, Heteroscedasticity Test, Autocorrelation Test, Multiple Regression Analysis, F Test, Adjusted R Square Test, and t Test. The results of this study indicate that partially Zakat has a significant positive effect on the welfare of mustahik. Infaq has a significant positive effect on the welfare of mustahik. Alms have a significant positive effect on the welfare of mustahik. Furthermore, simultaneously zakat, infaq and alms have a significant positive effect on mustahik with a level of significance of less than 5%. Meanwhile, based on (R2), it can be seen that the value of Adjusted R Square is 84.5%. It means that the ability of the independent variable to explain the variance of the dependent variable is 84.5% and 15.5% is explained by other variables.

This paper aims to analysis the management of Islamic Life Insurance funds in Indonesia. From the OJK report, it was found that the investment returns of Sharia Life Insurance funds often experience losses, even though when viewed from the assets and investment value they have the highest interest compared to Sharia General Insurance and Sharia Reinsurance. The data in this study were obtained from OJK and the financial statements of Indonesian Sharia Insurance companies. This research uses quantitative method. The results of the study indicate that the main factor causing investment losses in Sharia Life Insurance funds is the placement of funds, which is dominated by the Capital Market sector, which accounts for 80% of the total investment. Total investment losses during the period 2014-2021 amounted to Rp.-42,713 billion. Total profit is Rp. 61,656 billion. So the total return on investment during this period is Rp. 18,943 billion of the total investment of Rp. 2.485 trillion or only 1%. The solution is that Sharia Life Insurance companies need to look for alternative financing sectors other than the Capital Market.

Compared to conventional banking, the distribution of Islamic banking financing is more optimal, growth is continuous and asset enhancement is very good. This is indicated by the Financing to Deposit Ratio (FDR) which ranges between 94.88%. This means that a Sharia Bank is able to meet the targets and expectations of Bank Indonesia. Given the lack of Islamic banks and their limited assets, this optimization is certainly influenced by many factors, therefore it is necessary to test the factors that influence the distribution of Islamic banking financing, which includes Third Party Funds (DPK), Non Performing Financing (NPF) and Bank Indonesia Syariah Certificate (SBIS). This study uses the Sharia Commercial Bank and the Sharia Business Unit as a whole as a unit of research object, with the research period from 2009-2019 (in the quarterly period). The analysis technique used is multiple linear regression, while hypothesis testing uses the t-test to test the effect of variables partially, and the F-test to test the effect of variables simultaneously with a significance level of 5% or 0.05. Based on the research, it was found that Third Party Funds (TPF) had a positive and significant effect on the distribution of Islamic Banking financing. Non Performing Financing (NPF) has a positive and insignificant effect on the distribution of bank financing. While Sharia Bank Indonesia Certificates (SBIS) have a negative and significant effect on the distribution of bank financing.