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al-Uqud : Journal of Islamic Economics

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Published by Universitas Negeri Surabaya

ISSN : 25490850 EISSN : 25483544 DOI : http://dx.doi.org/10.26740/al-uqud

Core Subject : Economy,

Economics, Econometrics & Finance

al-UqÃ»d : Journal of Islamic Economics published by the Islamic Economic Studies Department of Economics Faculty of Economics, Universitas Negeri Surabaya in cooperation with the Forum of Economic and Business Lecturer Islam (FORDEBI). al-UqÃ»d published twice a year, in January and July. The journal will focus on providing quality research in the areas of Islamic economics, banking and finance. The goal of the journal is to cover topics that are paramount in modern Islamic economics and finance. The language used in the form of Indonesian and English. Editors invite research lecturers, the reviewer, practitioners, industry, and observers to contribute to this journal.

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Articles 10 Documents

Search results for , issue "Vol. 5 No. 1 (2021): January" : 10 Documents clear

Islamic Economic Students Knowledge and Attitude Toward Halal Pharmacy Product in East Java, Indonesia Sylva Alif Rusmita; Muhamad Nafik Hadi Ryandono; Dian Filianti; Marhanum Che Mohd Salleh
al-Uqud : Journal of Islamic Economics Vol. 5 No. 1 (2021): January
Publisher : Universitas Negeri Surabaya

A Muslim has a limitation in consuming or wearing something. A Muslim is only permitted to consume something halal, either in food, drink, clothes, even finance. In the pharmaceutical industry, the standard of Halal Pharmaceutical is the most crucial document that should be followed to standardize the quality and the safety of halal. This research will analyze the knowledge and attitude of Islamic economics students who have the basic knowledge about halal and analyze how their attitude to the halal pharmacy. The research method is qualitative, with a literature review and descriptive analysis data from the questioner. Information on the label will influence the choices before buying and or consuming the medicine on the customer site. Consumers prefer to choose medicine with a halal label so that it will also benefit industries that have halal labels. But, in halal pharmacy, customers still hard to applied halal things in medicine; even though customers understand about halal, customers' attitude does not imply the principle of halal in the medicine.

The Role of Religiosity and Spirituality on Impulsive Buying Wiwik Maryati; Sri Hartini; Gancar Candra Premananto
al-Uqud : Journal of Islamic Economics Vol. 5 No. 1 (2021): January
Publisher : Universitas Negeri Surabaya

This article aims to analyze religiosity and spirituality's roles to prevent the impulsivity of buying. Impulse buying is an irrational, unplanned, spontaneous buying behavior aimed to seek pleasure and emotional fulfillment. The research method is a literature study of journals related to religiosity and spirituality in customer decision making. The study results concluded that several factors cause impulsive buying, such as less self-control, hedonic lifestyle, and materialism. Furthermore, there are significant roles of religiosity and spirituality in encouraging robust self-regulation to prevent impulse buying. The higher a person's religiosity and spirituality, the better they build powerful self-control for impulse buying. This research is expected to contribute research in consumer behavior with an approach of religiosity and spirituality.

Cash Waqf for Developing Islamic Economy: Case Study in Indonesia Aam Slamet Rusydiana; Yayat Hidayat; Tika Widiastuti; Solihah Sari Rahayu
al-Uqud : Journal of Islamic Economics Vol. 5 No. 1 (2021): January
Publisher : Universitas Negeri Surabaya

This study attempts to identify the causes and dominant factors that hinder the development of cash waqf in Indonesia, using the IFE-EFE Matrix and SWOT methods, while offering solutions to solve it. Based on the results of IFE analysis, the highest-rank of strengths is the ability of cash waqf in expanding the base of waqf fund sources followed by the ease and zero cost of funds. In comparison, the top weaknesses are the lack of socialisation to the community and the lack of professional nazhir human resources. The results of EFE analysis imply the highest-rank opportunity is the potential of unlimited cash waqf followed by the emergence of many sharia financial institutions and Islamic economics study programs in universities. Meanwhile, the top threat is a weak political will of authorities, followed by the majority of traditional nazhir. It is expected that there will be a joint commitment from various parties, both from policymakers and academics and practitioners to support and encourage efforts to develop the Islamic (social) finance industry, especially in developing cash waqf in Indonesia.

The Influence of Muslim Batik Entrepreneurs' Financial Literacy of The Banking Sector on Productivity Norida Canda Sakti; Martinus Legowo; Herrukmi Septa Rinawati; FX Sri Sadewo; Sugeng Harianto; Diyah Utami
al-Uqud : Journal of Islamic Economics Vol. 5 No. 1 (2021): January
Publisher : Universitas Negeri Surabaya

The batik business in the Islamic community of the North coast of East Java is categorized as a micro and small business. One of the main problems of the business is capital adequacy. Capital adequacy is one instrument to run and increase productivity. Although the government has provided soft capital loans through banking instruments and rural development program, not all micro and small businesses are willing and able to access it. It is heavily relied on the entrepreneurs' financial literacy on banking sector and their willingness to use banking access. The survey results show that there are variations of the financial literacy level of batik entrepreneurs on banking sector. Batik entrepreneur who have high financial literacy were motivated to access the bank financiang service and improve its productivity.Education and location play a significant role to financial literacy on banking sector.

Capital Structure Determinants of Shariah-Compliant Firms: Evidence from the MENA Region Abdessamad Raghibi; Lahsen Oubdi
al-Uqud : Journal of Islamic Economics Vol. 5 No. 1 (2021): January
Publisher : Universitas Negeri Surabaya

Capital structure choice is vital in corporate financial management due to its effect on both investors' risk and return. Despite the various research that has investigated factors affecting the capital structure of companies, only a few studies have started to examine the capital structure of Shari'ah-compliant companies, especially in the MENA region. Indeed, the screening requirements for which shari'ah-compliant must adhere can affect their capital structure determinants. Hence, under those conditions, this study aims to determine the factors influencing the capital structure of a shari'ah-compliant listed firm in five MENA region countries. The importance of investigating shariah-complaint companies capital structure emanates from the financial constraints on their debt capital structure. Accordingly, this study utilizes static panel data techniques on a sample consisting of Shari'ah-compliant firms over the period 20102018. The findings of this study were consistent with several previous studies as well as the theoretical background of capital structure determinants mainly, the trade-off and the pecking order theory. Our results give insight to managers on what determines their capital structure under shari'ah screening methodologies. However, more insight can be drought from the capital structure of shari'ah-compliant firms by extending the research into industry specifics.

Takaful Scheme for Mental Health Disorders: A Systematic Literature Review Khairil Faizal Khairi; Nur Hidayah Laili; Aimi Fadzirul Kamarubahrin
al-Uqud : Journal of Islamic Economics Vol. 5 No. 1 (2021): January
Publisher : Universitas Negeri Surabaya

Wealth management involved cycles which are wealth creation, wealth protection, wealth distribution, wealth purification, and wealth accumulation that must in line with the financial objectives of the individual through their life. The current study is focused on the wealth protection element which a takaful scheme for mental health disorders. However, little was known about it. Thus, the objective of this systematic review was to synthesize findings of trend and population-based studies on takaful scheme for mental health disorders. The aim was to presents an extensive systematic review of takaful schemes for mental health disorders. A systematic review was identified using electronic database searches (Google, PubMed, and Scopus), previous reviews and reference lists to identify articles published between 2010 and 2020. Narrative synthesis and systematic review were performed and reported according to the preferred reporting items statement. The current evidence showed there is less study on takaful schemes for mental health disorders in the period 2010 to 2020. The two main contributions of this paper are its use of a readily-available and powerful new instrument, and its use of extremely large data which gives us the power to takaful scheme for mental health disorders for disaggregated health care services. More good quality of systematic literature with comparable assessment tools is needed.

Islamic Philanthropy and Covid-19 Pandemic Crisis: The Socio-Economic Role of Nahdhatul Ulama Zainal Abidin
al-Uqud : Journal of Islamic Economics Vol. 5 No. 1 (2021): January
Publisher : Universitas Negeri Surabaya

Coronavirus has evolved into a global pandemic. The virus, which was first discovered in Wuhan in China, has quickly and massively spread throughout the world, and it has even paralyzed global socio-economic activities. In Indonesia, the Covid-19 pandemic first appeared in Jakarta. In a few days, it spread to all regions and islands, including Madura, one of East Java islands with a strict, strong religious scent and has considerable respect to religious structures and symbols, like the Islamic organization Nahdhatul Ulama' (NU). This study examined this Islamic organizations' socio-economic role in Covid-19 countermeasures through philanthropic activities. This qualitative study uses primary data and secondary data. This study describes how NU implements its socio-economic role in mitigating the spread of Covid-19 pandemic in Madura through philanthropic activities.

Comparative Analysis of Customer Loyalty in Islamic and Conventional Banks: A Literature Review Rokhmat Subagiyo; Burhan Djamaluddin; Muhamad Ahsan
al-Uqud : Journal of Islamic Economics Vol. 5 No. 1 (2021): January
Publisher : Universitas Negeri Surabaya

This paper aims to analyze customer loyalty to Islamic banks and conventional banks through variables studied from previous research. This study used a qualitative approach to research literature, with data collected from reputable international journal articles indexed Q3 to Q1 and nationally accredited Sinta 3 to Sinta 2. This study examines 55 selected articles about customer loyalty from 1998-2019. The analysis results show that the independent variables, moderating variables, and intervening variables in determining customer loyalty to Islamic banks and conventional banks overlap (have similarities).

Does Zakat and Non-Zakat Empowerment Affect Mustahiq Welfare Based on Maqashid Shariah? Tika Widiastuti; Ilmiawan Auwalin; Lina Nugraha Rani; Imron Mawardi; Muhammad Ubaidillah Al Mustofa; Norma Rosyidah; Siti Nur Mahmudah
al-Uqud : Journal of Islamic Economics Vol. 5 No. 1 (2021): January
Publisher : Universitas Negeri Surabaya

This study explores the effect of zakat and non-zakat empowerment programs on the beneficiaries' welfare (mustahiq). This study focuses on the influence of the intervening variable, namely the mustahiq businesses' growth on mustahiq welfare. This study also examines the role of demographic characteristics, such as age, gender, and years of education on mustahiq business growth. This study employs the Partial Least Square-Structural Equation Model (PLS-SEM) using data from 100 respondents who received empowerment assistance from three different zakat institutions. The sample of mustahiq was selected from three zakat institutions to provide a diversity of respondents. The results indicate that zakat and non-zakat programs' empowerment through business growth has significantly affected mustahiq welfare. With these results, both zakat and non-zakat productive programs should be more developed to assist the community businesses' growth optimally. Previous studies measure the welfare of mustahiq with material aspects. In this study, the indicator of welfare is based on maqashid sharia, which includes the protection of Ad-Din (religion), An-Nafs (Soul), Al-Aql (intellect), Al-Nasl (descendant), and Al-Maal (wealth). Examining the impact of two variables, namely productive empowerment programs through zakat and non-zakat, on mustahiq business growth and welfare is the novelty of this study.

Do Individual Factors, Religiosity Factors, and Demographic Factors Predict Intention to Pay Zakat? Frank Aligarh; Arif Nugroho; Bayu Sindhu Raharja; Bima Cinintya Pratama; Arya Wanda Wirayuda
al-Uqud : Journal of Islamic Economics Vol. 5 No. 1 (2021): January
Publisher : Universitas Negeri Surabaya

Indonesia has a promising zakat potential; however, the amount of zakat payments is low. The primary objective of this study is to examine what factors influence an individuals intention to pay zakat. This research integrates individual factors, religiosity factors, and demographics factors. About 300 questionnaires were distributed to the respondents in a Muslim-majority area (i.e. Surakarta City), and 223 cases were deemed usable. The data have been analysed using structural equation modelling. This paper finds that attitude, subjective norm, and perceived behaviour control positively affect the intention to pay zakat. Furthermore, religiosity factors and demographic factors also positively affect the intention to pay zakat except for the Islamic education background variable. Theoretically, this study offers a new research model to explain the behaviour of Muzakki in paying zakat. Practically, this study contributes to providing valuable insights for zakat institutions to establish a policy to collect zakat based on individual perspectives.

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campus Ketintang Surabaya 60231

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Jawa timur

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Contact Name
-

Contact Email
-

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Journal Mail Official
jurnal.al-uqud@unesa.ac.id

Editorial Address
campus Ketintang Surabaya 60231

Location
Kota surabaya,

Jawa timur

INDONESIA