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Pengaruh Gender Terhadap Impulse Buying (Studi pada Mahasiswa Jurusan Perbankan Syariah FSEI IAIN Pontianak) Prihantono Prihantono
Raheema Vol 5, No 1 (2018)
Publisher : PSGA LP2M IAIN Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (466.943 KB) | DOI: 10.24260/raheema.v5i1.1099

Abstract

Tujuan dari tulisan ini, mendeskripsikan pengaruh gender terhadap impluse buying (perilaku pembelian yang tidak direncanakan). Dengan mengambil sampel sebanyak 191 responden yang terdiri dari mahasiswa dan mahasiswi semester V Jurusan Perbankan Syariah Fakultas Syariah dan Ekonomi Islam IAIN Pontianak. Hasil penelitian variabel gender bahwa sifat materialisme mayoritas memberikan penilaian tinggi terhadap sifat materialisme sebanyak 115 orang (60,21%), penilaian sedang sebanyak 44 orang (23,04%), sedangkan penilaian rendah sebanyak 32 orang (16,75%). Sedangkan hasil analisis deskriptif menunjukkan bahwa mayoritas responden memberikan penilaian terhadap perilaku impulse buying dikategorikan tinggi sebanyak 127 orang (66,50%), 36 orang (18,84%) kategori sedang, dan sisanya 28 orang (14,66%) dikategorikan rendah. Disimpulkan bahwa sifat materialisme berpengaruh positif dan signifikan terhadap impulse buying. Sedangkan variabel gender tidak berpengaruh terhadap perilaku impulse buying. Pada bagian akhir tulisan ini berbicara perilaku konsumsi dalam tinjauan ekonomi Islam.
PERAN BANK DAN PEGADAIAN SYARIAH DALAM PEMENUHAN KEBUTUHAN EKONOMI RUMAH TANGGA Prihantono Prihantono
Khatulistiwa Vol 4, No 1 (2014): Volume 4 Nomor 1 Maret 2014
Publisher : The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (78.52 KB) | DOI: 10.24260/khatulistiwa.v4i1.229

Abstract

Sharia banking and pawn shops play an active role in improving the well-being of society, though only by working to deliver and provide products that are needed by the family and the community widely. It is unfortunate if the financial institution as the institution of intermediation that works by relying on condition of the advantages and disadvantages of the economic factors existing in society are unable to read carefully and take part in connecting and bringing together both of these conditions so that the economic problems in the community as well as the household can be resolved. It would be of course more regrettable if it occurred to a Shariah-compliant financial institution. Household spending patterns of the community with the reality of a considerable number of needs, as well as a relatively small income, often showed a disregard for the economic order in the household economy between the amount of income earned and the amount spent. Therefore, the household economy often suffers from bankruptcy and is forced to enter into the mechanism of a credit scheme.
AKAD MURÂBAHAH DAN PERMASALAHANNYA DALAM PENERAPAN DI LEMBAGA KEUANGAN SYARIAH Prihantono Prihantono
Al-Maslahah : Jurnal Ilmu Syariah Vol 14, No 2 (2018)
Publisher : Fakultas Syariah (Syari'ah Faculty )

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1419.745 KB) | DOI: 10.24260/al-maslahah.v14i2.1195

Abstract

Dalam praktiknya, penerapan akad murabahah di lembaga keuanganIslam dalam hal ini perbankan syariah bukan termasuk bai’ al-‘inah, bai’ al-ma’dum, bai’ atani fi bai’ah atau hilah untuk mengambil riba. Terlepas dari pengertian diatas, terdapat persolaan murabahah yang menuai beberapa kritik, skema mark-up (keuntungan pendapatan) terhadap praktek di lembaga keuangan syariah (perbankan syariah). Tulisan ini bertujuan mengungkapkan dan mendeskripsikan persoalan praktik transaksi Murabahah di lembaga keuangan syariah. Dimulai dengan kegelisahan akademik persoalan murabahah, landasan dalil, model skema transaksi ba’i al-murabahah versi ulama klasik, model skema pengembangan versi ulama kontemporer, model skema penerapan murabahah di perbankan syariah, akad dan problem implementasinya di perbankan syariah, mekanisme pembiayaanmurabahah di perbankan syariah dan perkembangan pembiayaan murabahah. Menurut penulis problem keagamaan terletak pada sifat dasar monetary reward bank. Jika hal tersebut adalah upah  peminjaman, maka hal itu sama saja dengan bunga. Pada sisi yang lain, jika hal yang dimaksud adalah monetary rewards (upah/gaji) untuk balas jasa pelayanan yang telah diberikan atau resiko yang ditanggung, maka hal tersebut dapat diterima. Dengan demikian dapat disimpulkan bahwa bai’al-murabahah termasuk jual beli yang dibolehkan, yaitu jual-beli barang dengan harga yang pasti (harga pokok plus margin keuntungan) yang harus dibayar oleh pembeli (nasabah) pada saat jatuh tempo yang telah ditentukan. 
Corporate Governance, Risk Management, and Financial Performance: The Mediating Role of Risk Governance in Indonesia's Islamic Banks Fauziah Fauziah; Nur Atiqah; Pratiwi Kurniati; Prihantono Prihantono; Mohd. Shahrul Komaruddin
Shirkah: Journal of Economics and Business Vol. 10 No. 2 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v10i2.858

Abstract

Islamic banks face increasing pressure to strengthen governance and risk oversight, yet the mediating role of risk governance in financial performance remains underexplored, particularly in Indonesia. This study aims to examine the structural relationships among corporate governance, risk management, risk governance, and the financial performance of Indonesia’s Islamic banks. A quantitative research, drawing on secondary data from annual reports of eight Islamic banks between 2016 and 2023 with 64 observations, was employed. Corporate governance was measured using a composite governance index, risk governance through committee structures, risk management via credit, operational, liquidity, and Sharia-compliance controls, while financial performance was proxied by ROA and ROE. Data were analyzed using path analysis with PLS-SEM. The findings reveal that corporate governance significantly strengthens risk governance but does not directly improve financial performance. Conversely, risk management exerts a significant positive influence on financial performance, though it does not shape risk governance. Risk governance itself neither impacts financial performance nor mediates the relationships between governance, risk management, and performance. These results suggest that risk governance in Indonesian Islamic banks remains compliance-oriented rather than performance-enhancing. The study highlights the need for regulatory reforms and strategic integration of risk governance to support sustainable growth.
Fiqh al-Muʾassasāt in Contemporary Muslim Society: A Socio-Political Analysis of the Establishment of Indonesia’s Ministry of Hajj M. Rizal Qosim; Dwi Surya Atmaja; Prihantono
Journal of Islamic Law Vol. 7 No. 1 (2026): Journal of Islamic Law
Publisher : Institut Agama Islam Negeri (IAIN) Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jil.v7i1.5947

Abstract

The Ministry of Hajj was formally established as a governmental institution in Indonesia in September 2025, prompting critical inquiries and ongoing debates among the country’s Muslim community. Employing the theoretical lenses of governmentality and the maqāṣid al-sharīʿah (the higher objectives of Islamic law) framework, this study investigates the bureaucratization of the religious pilgrimage as articulated by the state within the broader context of governance and contemporary power structures. This institutionalization process simultaneously intensifies administrative oversight of religious practices, thereby generating tensions between normative protections and the rationalities characteristic of modern power. Through a qualitative socio-political analysis, the findings reveal that the hajj pilgrimage cannot be understood solely as an individual religious obligation; rather, it constitutes a state-led institutional project aimed at protecting pilgrims and promoting public welfare. In this capacity, the Ministry of Hajj operates as a maqāṣid agent, safeguarding pilgrims’ physical safety, financial security, dignity, and the proper performance of religious rituals through mechanisms grounded in public law. Theoretically, this article contributes by advancing a novel interpretation of istiṭāʿah (capability) as a social construct conditioned and mediated by the state, and by proposing fiqh al-muʾassasāt (institutional fiqh) as an analytical framework for understanding the operationalization of Islamic legal norms within contemporary governance structures. This study enriches socio-political scholarship in Islamic studies by elucidating the dynamic relationship among religion, the state, and citizens in the governance of mass religious practices in contemporary Muslim societies. [Kementerian Haji secara resmi dibentuk sebagai lembaga pemerintahan di Indonesia pada September 2025, yang memunculkan berbagai pertanyaan kritis dan perdebatan berkelanjutan di kalangan umat Islam di tanah air. Dengan bertumpu pada konsep governmentality (pemerintahan) dan kerangka maqāṣid al-sharīʿah (tujuan hukum Islam), penelitian ini mengkaji proses birokratisasi ibadah haji sebagaimana dirumuskan oleh negara dalam konteks tata kelola pemerintahan dan struktur kekuasaan modern. Proses institusionalisasi ini secara bersamaan memperkuat pengawasan administratif terhadap praktik-praktik keagamaan, sekaligus melahirkan ketegangan antara perlindungan normatif dan rasionalitas yang melekat dalam kekuasaan modern. Melalui analisis kualitatif sosio-politik, temuan penelitian menunjukkan bahwa ibadah haji tidak lagi dapat dipahami semata-mata sebagai kewajiban keagamaan individual, melainkan sebagai proyek institusional yang dipimpin oleh negara dengan tujuan menjamin perlindungan jemaah dan mendorong kemaslahatan publik. Dalam konteks ini, Kementerian Haji berfungsi sebagai agen maqāṣid yang berperan menjaga keselamatan fisik, keamanan finansial, martabat, serta ketertiban pelaksanaan ritual keagamaan para jemaah melalui mekanisme kebijakan publik. Secara teoretis, artikel ini berkontribusi dengan mengajukan tafsir baru atas konsep istiṭāʿah (mampu) sebagai konstruksi sosial yang dikondisikan dan dimediasi oleh negara, serta dengan menawarkan fiqh al-muʾassasāt (fikih politik kelembagaan Islam) sebagai kerangka analitis untuk memahami operasionalisasi norma-norma hukum Islam dalam struktur tata kelola pemerintahan kontemporer. Studi ini memperkaya kajian sosio-politik dalam studi Islam dengan menjelaskan relasi dinamis antara agama, negara, dan warga negara dalam pengelolaan praktik-praktik keagamaan massal di masyarakat Muslim kontemporer.]