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All Journal Ihtifaz: Journal of Islamic Economics, Finance, and Banking Iqtishoduna: Jurnal Ekonomi Islam International Journal of Islamic Business and Economics (IJIBEC)
Diniyya, Aulia Arifatu
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Economics, Econometrics & Finance Social Sciences

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Development Of Waqf Based Microfinance And Its Impact In Alleviating The Poverty Diniyya, Aulia Arifatu
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol 2, No 2 (2019)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1994.251 KB) | DOI: 10.12928/ijiefb.v2i2.879

Abstract

The purpose of this paper is to discuss the potential role of the institution of Waqf in poverty alleviation.  Poverty is a complex, multi-dimensional phenomenon that has captured the attention of numerous scholars and agencies globally. The social role of the Islamic financial sector can be best exemplified by providing finance to the poor to increase their income and wealth. This paper will explore on how microfinance can be provided on Shariah compliant basis through Waqf model. This research also reviewing the development of the integrated Waqf based Islamic microfinance which aimed to provide solutions to reduce poverty. An integration of Waqf-based Islamic microfinance (IWIM) model is proposed to address all the practical challenges of microfinance faced in Muslim communities. In this model, microfinance is practised in compliance with Shari?ah to address the multi-dimensional aspects of poverty and empowering the poor in order to enhance the socio-economic development and hence the well- being of the Ummah. With this aspiration, the IWIM model aims to tackle the challenges related to the scarcity of capital, inadequate human resources, absence of proper Takaful programs and project financing in an integrated approach. However, Waqf based microfinance still may be facing some problems should be addressed which related to credit risk, moral hazard, and economic viability.
Financial Technology Regulation in Malaysia and Indonesia: A Comparative Study Diniyya, Aulia Arifatu; Aulia, Mahdiah; Wahyudi, Rofiul
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol 3, No 2 (2020)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v3i2.2703

Abstract

Introduction to The Problem: The era of innovation in information technology has emerged to ease daily commercial transactions. The innovation in financial technology has created numerous new business model to cater the customers’ need. This development needs a regulation and supervision to avoid chaos in the financial system. Particularly in Indonesia and Malaysia, which both countries were recorded by CCAF to be among the top countries in the ASEAN region by the number of fintech firms.Purpose/Objective Study: This study is aimed to analyze the financial technology regulation and supervision in Indonesia and Malaysia.Design/Methodology/Approach: The comparative study is conducted to compare the regulatory environment related to Digital payment, Equity Crowdfunding, P2P lending, Crypto Asset, Consumer protection, cybersecurity law and Islamic fintech in both countriesFindings: The study found that compared to Malaysia, Indonesia has lack of jurisdiction that protecting the customer from the cyber-attack which highly threatening the fintech industry. Both countries also treat ICO differently. Malaysia treats it under RMO guidelines, while Indonesia banned it as the method of payment but still allows the trading of ICO as a commodity under Commodity Futures Regulatory Agency.
The Effect Of Debt-Based Financing And Equity-Based Financing On Islamic Banks Profitability In Indonesia Wahyudi, Rofiul; Diniyya, Aulia Arifatu; Satyarini, Julia Noermawati Eka; Mutmainah, Lu’liyatul; Maulida, Sri
International Journal of Islamic Business and Economics (IJIBEC) Vol 4 No 2 (2020): IJIBEC VOL. 4 NO. 2 DECEMBER 2020
Publisher : Faculty of Islamic Economics and Business of Institut Agama Islam Negeri (IAIN) Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v4i2.2771

Abstract

This study's main objective is to investigate equity-based financing and debt-based financing of the profitability of Islamic banking in Indonesia. This research is expected to contribute to the theoretical and practical dimensions. On the conceptual aspect, this study can provide evidence of whether equity-based financing and debt-based financing affect the profitability of Islamic banking. While on the practical dimension, Islamic banks in Indonesia can determine the extent of their profitability and, in turn, the competitiveness of Islamic banks to enable it to be developed in line or even better than conventional banks. The data analysis technique uses panel data regression, which is time series data and cross-section. Next, to estimate the panel data model, which is divided into three, namely: common effect, fixed effect, and random effect. The result of this study that partially equity-based financing does not affect ROE. At the same time, debt-based financing influences the ROE of Islamic banks. Partially equity-based financing and debt-based financing do not affect ROA of Islamic banks. However, it simultaneously shows that the independent variable test results, namely equity-based financing and debt-based financing, have a strong influence on the dependent variable, namely, profitability as measured by ROA and ROE.
The Impact of Religiosity, Discounts, and Cashback Toward Impulsive Purchases among Gen Z Consumers on Tokopedia: An Islamic Perspective Sukarno, Hari; Cholifah, Umi; Azzam, Naufal; Diniyya, Aulia Arifatu
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 13 No. 1 (2024): April
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v13i1.2371

Abstract

The merger of Tokopedia has resulted in the introduction of new sales promotions and discounted prices, which act as triggers for impulsive purchases among Muslim consumers on the platform. This study aims to examine the impact of religiosity, discounts, and cashback on impulsive purchases on Tokopedia, with a specific focus on the Islamic perspective. The research approach method used in this study is a quantitative approach with an associative design, conducted as a field study on the Muslim community making purchases on Tokopedia. The sampling technique utilized the Hair formula, and 138 Muslim respondents were selected through Purposive Sampling in Jember Regency. Data collection was conducted through a questionnaire. The data analysis techniques employed included multiple regression analysis, t-test, and F-test. The research findings indicate that religiosity has a significant negative influence, while discounts and cashback have significant positive influences on impulsive purchases among Muslim communities in Jember Regency. From an Islamic standpoint, Muslim consumers in Jember Regency display high levels of religiosity and adopt a rationalist approach when making product decisions. The implication of the study shows that religiosity has a significant negative impact, while discounts and cashback have significant positive impacts on impulsive purchases among the Muslim community in Jember Regency. This indicates that these factors can influence the impulsive buying behavior of Muslim consumers on the Tokopedia platform.
Co-Authors Aulia, Mahdiah Azzam, Naufal Hari Sukarno Lu'liyatul Mutmainah Maulida, Sri Satyarini, Julia Noermawati Eka Umi Cholifah Wahyudi, Rofiul