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All Journal El-Barka: Journal of Islamic Economics and Business Margin : Journal of Islamic Banking
Asti Aini
Universitas Islam Negeri Sultan Maulana Hasanuddin Banten
Economics, Econometrics & Finance Social Sciences

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IMPLEMENTASI HEDGING PADA SISTEM PERBANKAN SYARIAH DI INDONESIA (TANTANGAN DAN EFEKTIVITAS) Ayunil Fajriah; Khaerunnisa Surantaka; Suryani Suryani; Siti Marfu'ah; Asti Aini; Itang Itang; Jamaluddin Jamaluddin
MARGIN: Journal of Islamic Banking Vol 5 No 2 (2025): MARGIN JOURNAL OF ISLAMIC BANKING
Publisher : UIN Sulthan Thaha Saifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/d59v1d40

Abstract

Penelitian ini mengeksplorasi bagaimana tantangan dan efektivitas yang dialami perbankan syariah di Indonesia dalam menerapkan hedging sebagai strategi untuk mengurangi risiko, terutama akibat fluktuasi nilai tukar dan pembiayaan. Dengan menggunakan metode studi literatur dan analisis deskriptif, penelitian ini meninjau regulasi, fatwa, serta implementasi hedging di beberapa bank syariah. Hasilnya menunjukkan bahwa meskipun hedging syariah mulai diterapkan, masih ada tantangan besar, seperti kurangnya pemahaman tentang produk ini, minimnya sosialisasi, serta perbedaan pandangan mengenai kesesuaiannya dengan prinsip syariah. Meski begitu, beberapa bank syariah sudah mulai menggunakan instrumen hedging yang sesuai syariah, seperti forward agreement dan wa’ad, yang telah diatur dalam Fatwa DSN-MUI No. 96/2015 dan Peraturan Bank Indonesia No. 18/2016. Kesimpulannya, meskipun regulasi sudah tersedia, masih dibutuhkan edukasi, pemahaman yang lebih luas, serta inovasi agar hedging syariah dapat lebih efektif membantu bank mengelola risiko tanpa bertentangan dengan prinsip Islam.  
Value Congruity and Modest Fashion Purchase Decisions Among Young Muslim Consumers in Banten, Indonesia Suryani; Fadhilla Oktaviani; Asti Aini; Nihayatul Maskuroh; Adzan Noor Bakri
El Barka Journal of Islamic Economics and Business
Publisher : El Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v9i2.14904

Abstract

This study examines how value congruity relates to modest fashion purchase decisions alongside religiosity, electronic word-of-mouth (e-WOM), Islamic moral identity, and attitude. Research Methods: A cross-sectional online survey in Banten, Indonesia, yielded 101 eligible cases from 206 responses collected from July 31 to September 11, 2026. Participants were aged 17–25, and 99.0% were students. Associations were estimated through path analysis of unit-weighted composite scores with 5,000 paired bootstrap resamples. Results: Religiosity was associated with Islamic moral identity (β = .814), while value congruity was associated with attitude (β = .763) and purchase-decision scores (β = .639); all three p values were below .001. The equations accounted for 66.3%, 76.2%, and 82.2% of the respective in-sample score variance. Other direct paths, interactions, and exploratory indirect effects were not significant. However, CON–KEP HTMT was .920, and shared-method diagnostics raised concerns. Conclusion: Value congruity warrants further investigation, but measurement overlap, the student-dominated sample, and the cross-sectional design prevent a definitive claim that it is a distinct causal driver. The results support further testing of value-aligned communication rather than claims about verified purchasing behavior.
Co-Authors Adzan Noor Bakri Ayunil Fajriah Fadhilla Oktaviani Itang Itang Jamaluddin Jamaluddin Khaerunnisa Surantaka Nihayatul Maskuroh Siti Marfu'ah Suryani