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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. 7 No. 1 (2023): January" : 10 Documents clear

Psychological attitudes of Indonesian millenials consumer to choose Islamic banking financing Moh. Herman Eko Santoso; Mohamad Soleh Nurzaman
al-Uqud : Journal of Islamic Economics Vol. 7 No. 1 (2023): January
Publisher : Universitas Negeri Surabaya

Islamic banks define as financial service institutions which offer the ease of owning home through Islamic homeownership financing products as knows as Islamic mortgage. This financing product can be a solution for millennials to be able to own a home. This study aims to examine the psychological response of millennials generation towards acceptance in choosing an Islamic mortgage using Theory of Planned Behavior Model (TPB) with Attitude, Subjective Norm, and Perceived Behavioral Control as variables. Analyzed of 256 respondents in this study used Structural Equation Modelling AMOS (SEM-AMOS) and IBM SPSS Statistics. The research shows that the variable Attitude and Perceived Behavioural Control have positive and significant impact on the intention of millennials to choose Islamic mortgage. Further, Perceived Behavioral Control was found to be the most influential factor in determining the intention of millennials to choose Islamic mortgage. On the other hand, this study also found that the Subjective Norm variable had a positive but not significant for the effect. These findings provide information that psychological factors can form the customer's intention to use Islamic mortgage products. Therefore, all stakeholders can consider the psychological factors of prospective customers in designing and developing Islamic mortgage products in Indonesia.

Halal awareness can’t improved purchase intention imported skincare Hilda Monoarfa; Rida Rosida; Juliana; Sintiyawati; Rizuwan Abu Karim
al-Uqud : Journal of Islamic Economics Vol. 7 No. 1 (2023): January
Publisher : Universitas Negeri Surabaya

The purpose of this study is to find out how halal awareness and online consumer reviews (OCRs) on the decision to buy imported cosmetics, besides that, to find out how the influence of halal awareness of millennials on purchasing decisions through the Online Consumer reviews (OCRs) variable as a mediator. The design of this study uses a descriptive causality technique with a quantitative approach. The analysis technique used is the Moderated Regression Analysis (MRA) with a millennial sample of 203 respondents. The results of this study indicate that halal awareness has a negative effect on purchasing decisions for imported cosmetics and is in the medium category. Halal awareness towards purchasing decisions for imported cosmetics through Online Consumer Reviews (OCRs) as a moderating variable has a significant effect and is in the moderate category. In this study, halal awareness is also hypothesized to have a negative effect on purchasing decisions, where it is researched by millennials who use imported cosmetics.

Academic community's investment decision in sharia stock market: The impact of financial literacy Mohammad H. Holle; Muammar W. Maruapey; Magfirah Karanelan; Binti Nur Asiyah; Rilan Abdul Syarif
al-Uqud : Journal of Islamic Economics Vol. 7 No. 1 (2023): January
Publisher : Universitas Negeri Surabaya

This study aims to determine the impact of Islamic financial literacy on the academic community at IAIN Ambon in investing in the Islamic capital market. The research methodology uses interpretive qualitative techniques. Data were collected through observation and in-depth interviews with the academic community who became informants who were determined using the purposive sampling technique. The results of the study revealed that the academic community of IAIN Ambon has high financial literacy because they received special education through investment courses and special Islamic capital markets for students, and training for lecturers and other staff, but it has not had a maximum impact on investment decisions in the Islamic capital market. The reason is that the implementation and assistance from the results of education and training are not carried out optimally. Another cause is the level of income and risk that the community thinks so that it creates boredom to invest.

The preference of Muslim young generation in using digital zakat payment: Evidence in Indonesia Mohammad Nur Rianto Al Arif; Nofrianto; Muhammad Iqbal Fasa
al-Uqud : Journal of Islamic Economics Vol. 7 No. 1 (2023): January
Publisher : Universitas Negeri Surabaya

This study aims to analyze the behavior of digital zakat payments in Indonesian Muslim youth. This research is using multinomial logit by dividing three alternative zakat payment media, namely digital payment, cash, or using both media with 306 respondents. The research results show that perceived usefulness, ease of use, and risk affect intentions to use digital zakat payments. The other variables such as continuity and trust don’t have an impact on intention. Similar results were also obtained for intentions to pay zakat in cash. The implications of these results indicate that zakat management organizations must improve features on digital payment platforms to make it easier for people to pay zakat. Zakat management organizations must adapt to technological developments. This study offers new insight about the intention of muslim youth generation paying zakat through digital platform.

The determinants of cash waqf re-endow intention in Malaysia Marina Kassim; Nor Azizan Che Embi; Razali Haron; Khairunisah Ibrahim
al-Uqud : Journal of Islamic Economics Vol. 7 No. 1 (2023): January
Publisher : Universitas Negeri Surabaya

Cash waqf has significant potential to improve Muslims' economies, particularly in financing social and cultural activities. Most governments today are experiencing financial difficulties, with inadequate means to cover public needs and ensure that all residents are in good standing. Thus, this paper discusses internal factors such as trust, familiarity, and perceived efficacy as possible factors influencing cash waqf endowers' intention to reendow. The population for this study is 13,940 cash waqf donors in the Klang Valley, which covers Selangor and Kuala Lumpur, and a purposive sampling method was used. Based on the finding gathered using PLS analysis on 382 respondents indicated that internal factors (trust, familiarity, perceived efficacy) positively influence intention to reendow among cash waqf endowers. Trust is the most dominant factor that influences the intention to reendow. It may indicate that the higher the trust level a person has, the higher the intention to reendow. These study suggestions are other variables influencing the intention to reendow and should be explored further. Moreover, this study offers management implications, such as empirically proven conclusions on internal factors (trust, familiarity, perceived efficacy) that influence endowers' intention to reendow to waqf organisations.

An analysis of factors that affect earnings quality on Islamic commercial banks: The case at Indonesia and Malaysia Syada Aryanto; Mukhzarudfa Mukhzarudfa; Wiralestari Wiralestari; Amirul Afif Muhamat
al-Uqud : Journal of Islamic Economics Vol. 7 No. 1 (2023): January
Publisher : Universitas Negeri Surabaya

This research aims to determine the impact of leverage, liquidity, and profitability; examine company size as a moderating element; and compare earnings quality at Indonesian and Malaysian Islamic commercial banks. This study's subjects were Indonesian and Malaysian Islamic commercial banks, with a sample size of ten Indonesian Islamic commercial banks and fourteen Malaysian Islamic commercial banks from 2016-2020. The regression approach was employed in this investigation. According to the findings of this study, leverage does not affect earnings quality; liquidity hurts earnings quality; profitability does not affect earnings quality; company size is unable to moderate the relationship of leverage to earnings quality; company size is unable to moderate the relationship of liquidity to earnings quality; company size is unable to moderate the relationship between profitability and earnings quality; Leverage, liquidity and profitability simultaneously have no effect on earnings quality at Indonesian Islamic commercial banks, but simultaneously affect Malaysian Islamic commercial banks; and there is no difference in earnings quality at Indonesian and Malaysian Islamic commercial bank.

Financial stability in Indonesian Islamic banking using Z-Score: Before and during Covid-19 Moh Alfiyan; Rofiul Wahyudi; Maimunah Binti Ali Maimunah; Riduwan Riduwan
al-Uqud : Journal of Islamic Economics Vol. 7 No. 1 (2023): January
Publisher : Universitas Negeri Surabaya

This study aims to analyze the level of comparison of the financial stability of Islamic banking in the period before and during the Covid-19 pandemic. This study uses a paired T-test by taking samples of 13 Islamic Commercial Banks that publish financial reports regularly on the website of OJK in quarter I 2019 – quarter IV 2020. The results explain that Z-Score, BOPO, NPF, HHI, GDP and Inflation have no differences in the average level before pandemic compared to during the Covid-19 pandemic. Then FDR, Bank Size and BI Rate have differences in the average level before pandemic compared to during the Covid-19 pandemic. The results of the comparative analysis of the financial stability of Islamic banking before the Covid-19 pandemic compared to during the Covid-19 pandemic through the Z-Score analytical explained that Islamic banks were more stable before the pandemic, but still had good stability during the Covid-19 pandemic.

The COVID-19 pandemic and the intention of cash waqf: Approach to theory of reason action, level of religiosity and trust in institutions Juliana Juliana; Muhammad Jihan; Rida Rosida; Shafinar Ismail; Mumuh Muhammad; Tony Seno Aji
al-Uqud : Journal of Islamic Economics Vol. 7 No. 1 (2023): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/aluqud.v7n1.p138-153

This study aims to see the intention of cash waqf in the Muslim community in Bandung Raya during the Covid-19 Pandemic and to see how the influence of Theory of Reasoned Action (TRA), namely subjective attitudes and norms with an additional level of religiosity and trust in institutions. The method used in this study is a quantitative approach with a causal descriptive design. The analytical tool used is Partial Least Square-Structural Equation Modeling (PLS-SEM) with the SmartPLS v application. 3.2.9. The subject of this study is the Muslim community in Bandung Raya with a total sample of 210 respondents. The results showed that attitudes, subjective norms, levels of religiosity and trust in institutions were in the high category. There are four variables that have a significant positive effect on the intention of the Muslim community in Bandung Raya to donate money during the Covid-19 pandemic, namely attitudes, subjective norms, level of religiosity and trust in institutions. The results of this study also confirm that attitudes, subjective norms, religiosity and trust are very important in Encouraging the intention to donate during the Covid-19 pandemic.

The urgency of sharia division in Indonesian and Malaysian Islamic bank Amin Wahyudi; Binti Nur Asiyah; Husnul Haq
al-Uqud : Journal of Islamic Economics Vol. 7 No. 1 (2023): January
Publisher : Universitas Negeri Surabaya

This paper aims to investigate the significance of having a sharia division in Indonesian and Malaysian Islamic banks. This paper is a qualitative study based on a review of official documents from the Indonesian Central Bank and the Indonesian Sharia Council. Interviews with Sharia Advisers were conducted to conduct an interpretive, critical, and descriptive study of the issue. The interpretive analysis was carried out by interpreting each issued regulation, and the analysis was deepened by presenting a description of the sharia division's implementation in Malaysian Islamic banks. Efforts to analyze the results are carried out by reducing the information obtained, presenting the data and concluding. According to the research findings, there are numerous deviations in non-compliance with Sharia implementation in disbursed financing. According to the findings, Islamic banks must have a Sharia division in their organisational structure. The Sharia division ensures that Sharia bank operations follow Sharia principles, beginning with input, processing, and output. This study's theoretical implication is a study of sharia implementation by providing a sharia division in the organisational structure of Islamic banks. This is a more extensive study involving more sharia banks on their willingness and the internal awareness of the presence of the sharia division. Any country that wishes to establish sharia banks must research the presence of sharia divisions to ensure sharia compliance in their operations.

Revealing well-educated millenials' purchase intention on halal cosmetics: The role of knowledge, religiosity, and attitude Salsabilla Kurniawati; Rosa Prafitri Juniarti; Azizah Omar; Ahmad Ajib Ridlwan
al-Uqud : Journal of Islamic Economics Vol. 7 No. 1 (2023): January
Publisher : Universitas Negeri Surabaya

This study aimed to analyze and discuss the influence of knowledge, religiosity, and attitude on well-educated Muslim women Millenials’ interests in buying halal cosmetics in a state with a Muslim majority. The judgemental sampling technique was applied to take samples using an online questionnaire. Two hundred twenty-three respondents were collected, yet, only 210 well-educated Muslim women with minimum ages of 21 years old could participate. Data is analyzed using path analysis to see the correlation among variables. The result found that well-educated Muslim women Millenials had a positive interest in buying halal cosmetics. Besides any information about halal cosmetics products, their belief level on their religion significantly affected their attitude and interests in buying. It found that most of the respondents knew halal cosmetics from the internet through open questions. Although a state with a Muslim majority becomes the research location, many people still used cosmetics with no halal certificates. Therefore, marketers should advertise their halal products, mainly through digital media. This study focused on consumers' attitudes toward rapid-growth cosmetics products in Indonesia, and it referred to halal cosmetics. Also, this study focused on the millennials generation who had an age group with the most number. Therefore, it was necessary to put this issue into a marketing discussion.

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Contact Name
-

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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