Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
P-Index
This Author published in this journals
All Journal Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Maliki Islamic Economics Journal
Mumtazah, Fitria
Unknown Affiliation
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Ta’widh in Non-Debt Banking Products: A Study on Islamic Banks in Indonesia Hidayat, Muhammad Rifqi; Mumtazah, Fitria
Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Vol 10, No 2 (2024): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v10i2.18550

Abstract

The purpose of this research is to examine the imposition of sanctions for customers on sharia term savings products, and to analyze them based on the 43rd fatwa of the National Sharia Council on Compensation (Ta'widh). This is a qualitative field research conducted to five Islamic banks in Indonesia, using inductive-interpretive analysis techniques. The data in this research the research are collected through interviews with the bank, direct observation to the bank, and study of documents through brochures and the bank's official website. The results of the research show that the five banks that are the subject of this research impose administrative fee sanctions for customers who close their accounts before the time period expires, and two of them also impose penalty fees for customers who are late in making deposits. This sanction arises if the customer breaches the contract, and because there are three banks of which suffer losses due to having to pay premiums for free insurance facilities for customers in the product. The costs of these two sanctions have been set by the bank since the beginning of the contract, and the bank will recognize it as profit. The results of the analysis show that only two of the ten provisions of the 43rd DSN fatwa were fulfilled by the five banks, and there were four provisions that the five banks could not fulfill. So we proposes that the sanctions for customers who delay deposits are set by the bank in the form of fines for social purposes as self-punishment, and that banks state clearly at the beginning of the contract that the free account closing fee only applies to customers who close their accounts according to the agreed time period only.
Generation Z and the MUI Fatwa: What Shapes the Boycott of Israeli Products? Jannati, Agitsna; Sahal, Lutpi; Hidayat, Muhammad Rifqi; Mumtazah, Fitria
Maliki Islamic Economics Journal Vol 5, No 1 (2025): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v5i1.32359

Abstract

This study aims to analyze the factors that influence Generation Z’s (Gen Z) perception of Indonesian Ulema Council (MUI) Fatwa No. 83 of 2023 regarding the boycott of products affiliated with Israel. Although many Gen Z individuals support the boycott verbally, in reality, many do not implement it through concrete actions. This study employs a field research method with a qualitative descriptive approach. Data collection techniques include interviews and observations. Based on the Theory of Planned Behavior (TPB), this study identifies three main factors that influence Gen Z’s perception: attitudes toward behavior, subjective norms, and perceived behavioral control. A positive attitude toward the boycott, driven by religious beliefs and humanitarian solidarity, is the primary factor in supporting the fatwa. Subjective norms, particularly the influence of social environments such as family, friends, and religious leaders, also shapes the intention to act. However, obstacles such as difficulties in changing consumption habits and doubts about the effectiveness of the fatwa serve as barriers for some Gen Z individuals in joining the boycott. This study provides additional understanding into the behavioral dynamics of Gen Z regarding the boycott fatwa and highlights the importance of a direct approach in increasing support for this fatwa.
Co-Authors Jannati, Agitsna Muhammad Rifqi Hidayat Sahal, Lutpi