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Factors Influencing People's Decision to Save in Sharia Bank (Case Study in Sleman District) Fathurrahman, Ayif; Ratnasari, Dian Puspita
Jurnal Ar-Ribh Vol 7, No 2 (2024): Oktober 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v7i2.13236

This research aims to analyze the determinants that have an influence on savings decisions in regional sharia banks in Sleman Regency. The possibility of a technical sample is the sampling technique in this research. From this technique there were 116 respondents. This research data is primary data with multiple linear regression methods. Research finds that the religiosity variable has no influence on people's decisions to save in Islamic banks. Meanwhile, the variables of trust, level of results and knowledge have a significant positive influence on the decision to save. Meanwhile, simultaneously all the research variables that influence the decision to save at a regional sharia bank in Sleman Regency with a coefficient of 0.630 promise from the results of this research that sharia banks are able to maintain the variables of trust, knowledge and level of profit sharing which are the dominant factors that influence people to save at the k sharia bank.

Fractional Reserve Banking in Islamic Finance: A Comparative Analysis of Islamic and Western Economic Perspectives fathurrahman, Ayif
Jurnal Ar-Ribh Vol 8, No 1 (2025): April 2025
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v8i1.17634

This article examines the concept and implementation of fractional reserve banking (FRB) through the lens of both Western economic thought and Islamic finance. Utilizing a qualitative methodology with a library research approach, this study investigates theoretical and practical differences between the two paradigms. In conventional Western finance, FRB is widely accepted as a mechanism that enables credit expansion, supports investment, and enhances liquidity within financial systems. Economists such as Mises, Keynes, and Rothbard offer varying justifications and criticisms of this system—ranging from monetary creation efficiency to moral hazards such as artificial credit inflation. Conversely, Islamic economic thought fundamentally challenges the legitimacy of FRB due to its connection with interest (riba), risk of gharar (uncertainty), and issues of dual ownership in deposit structures. Islamic scholars argue that the practice contradicts the principles of ownership (milkiyah) and justice in financial dealings, thereby undermining the ethical framework of Sharia-compliant finance. The paper highlights how the replication of conventional banking practices in Islamic finance raises concerns about authenticity and systemic risks. Additionally, it addresses the resurgence of proposals for full-reserve banking following global financial crises, suggesting growing discontent with the status quo. Ultimately, this comparative analysis reveals a significant philosophical and operational divide between Western and Islamic views on banking and monetary policy. The study contributes to ongoing discussions about ethical financial reform and provides critical insights into the viability of implementing fractional reserve banking in Islamic financial institutions.

The Effect Of Using Mobile Banking And Religiusity On Consumtive Behavior Of E-Commerce Users Fathurrahman, Ayif; Febriani, Peggy
Jurnal Ar-Ribh Vol 6, No 1 (2023): April 2023
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v6i1.10628

This study aims to determine how the influence of the use of mobile banking and religiosity on the consumptive behavior of SHOPEE e-commerce users, namely Muslim students who use mobile banking in shopping at SHOPEE e-commerce. The sample in this study using purposive sampling technique amounted to 218 respondents. The analytical method used is multiple linear regression analysis. The results of this study indicate that the use of mobile banking has a significant positive effect on the consumptive behavior of SHOPEE e-commerce users, and religiosity has a significant negative effect on the consumptive behavior of SHOPEE e-commerce users

Fractional Reserve Banking in Islamic Finance: A Comparative Analysis of Islamic and Western Economic Perspectives fathurrahman, Ayif
Jurnal Ar-Ribh Vol. 8 No. 1 (2025): April 2025
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v8i1.17634

This article examines the concept and implementation of fractional reserve banking (FRB) through the lens of both Western economic thought and Islamic finance. Utilizing a qualitative methodology with a library research approach, this study investigates theoretical and practical differences between the two paradigms. In conventional Western finance, FRB is widely accepted as a mechanism that enables credit expansion, supports investment, and enhances liquidity within financial systems. Economists such as Mises, Keynes, and Rothbard offer varying justifications and criticisms of this system—ranging from monetary creation efficiency to moral hazards such as artificial credit inflation. Conversely, Islamic economic thought fundamentally challenges the legitimacy of FRB due to its connection with interest (riba), risk of gharar (uncertainty), and issues of dual ownership in deposit structures. Islamic scholars argue that the practice contradicts the principles of ownership (milkiyah) and justice in financial dealings, thereby undermining the ethical framework of Sharia-compliant finance. The paper highlights how the replication of conventional banking practices in Islamic finance raises concerns about authenticity and systemic risks. Additionally, it addresses the resurgence of proposals for full-reserve banking following global financial crises, suggesting growing discontent with the status quo. Ultimately, this comparative analysis reveals a significant philosophical and operational divide between Western and Islamic views on banking and monetary policy. The study contributes to ongoing discussions about ethical financial reform and provides critical insights into the viability of implementing fractional reserve banking in Islamic financial institutions.

Meaningful Microenterprise in the Informal Economy: Angkringan As A Culturally Rooted Islamic Socio-Economic Practice in Java, Indonesia fathurrahman, Ayif
Jurnal Ar-Ribh Vol. 8 No. 2 (2025): October 2025
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/mf3ycy22

This study explores angkringan—a traditional, informal street food enterprise in Java, Indonesia—as a meaningful microenterprise that embodies the principles of Islamic socio-economics within the context of the informal economy. Amid the increasing collapse of formal, globalized retail chains such as KFC in Indonesia, this research seeks to understand how culturally rooted, low-scale enterprises can offer a sustainable and socially embedded economic alternative.Adopting a qualitative-conceptual approach, the study integrates theories from the meaning economy, Islamic socio-economic ethics, and informal economic systems. Data were drawn from secondary sources including academic literature, government reports, and media documentation, as well as light contextual field observations in selected angkringan locations in Yogyakarta. The findings reveal that angkringan functions not only as a microeconomic unit but also as a space of social interaction, mutual care, and ethical trade practices. It fosters affordability, inclusivity, and community cohesion, aligning with key Islamic economic values such as ‘adalah (justice), rahmah (compassion), and kifāyah (sufficiency). Unlike formal fast-food outlets driven by profit maximization, angkringan promotes relational well-being and cultural resilience. The study argues that angkringan represents a bottom-up, value-driven model of Islamic microenterprise that is both culturally meaningful and ethically grounded. This research contributes to the development of a culturally contextualized Islamic socio-economic framework and opens new pathways for integrating local wisdom, ethical values, and community-based development into Islamic economics. It recommends a shift in policy and academic discourse from financing-centric approaches to meaning-centric, socially embedded economic practices.

The Effect Of Using Mobile Banking And Religiusity On Consumtive Behavior Of E-Commerce Users Fathurrahman, Ayif; Febriani, Peggy
Jurnal Ar-Ribh Vol. 6 No. 1 (2023): April 2023
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v6i1.10628

This study aims to determine how the influence of the use of mobile banking and religiosity on the consumptive behavior of SHOPEE e-commerce users, namely Muslim students who use mobile banking in shopping at SHOPEE e-commerce. The sample in this study using purposive sampling technique amounted to 218 respondents. The analytical method used is multiple linear regression analysis. The results of this study indicate that the use of mobile banking has a significant positive effect on the consumptive behavior of SHOPEE e-commerce users, and religiosity has a significant negative effect on the consumptive behavior of SHOPEE e-commerce users

Factors Influencing People's Decision to Save in Sharia Bank (Case Study in Sleman District) Fathurrahman, Ayif; Ratnasari, Dian Puspita
Jurnal Ar-Ribh Vol. 7 No. 2 (2024): Oktober 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v7i2.13236

This research aims to analyze the determinants that have an influence on savings decisions in regional sharia banks in Sleman Regency. The possibility of a technical sample is the sampling technique in this research. From this technique there were 116 respondents. This research data is primary data with multiple linear regression methods. Research finds that the religiosity variable has no influence on people's decisions to save in Islamic banks. Meanwhile, the variables of trust, level of results and knowledge have a significant positive influence on the decision to save. Meanwhile, simultaneously all the research variables that influence the decision to save at a regional sharia bank in Sleman Regency with a coefficient of 0.630 promise from the results of this research that sharia banks are able to maintain the variables of trust, knowledge and level of profit sharing which are the dominant factors that influence people to save at the k sharia bank.

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