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al-Uqud : Journal of Islamic Economics
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-Uqûd : 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-Uqûd 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.
Arjuna Subject : -
Articles 8 Documents
 1 
Search results for , issue "Vol. 9 No. 1 (2025): January" : 8 Documents clear
Sustainable finance in the Islamic world: A comparative study of ESG reporting in Indonesia, Malaysia, and Brunei Darussalam Adirestuty, Fitranty; Ratnasari, Ririn Tri; Firmansyah , Egi Arvian; Al Adawiyah, Rumaisah Azizah; Chazanah , Indah Nur; Yuliawati , Tia
al-Uqud : Journal of Islamic Economics Vol. 9 No. 1 (2025): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v9n1.p18-32

Abstract

This research examines the sustainability reporting procedures of three Islamic banks located in Indonesia, Malaysia, and Brunei Darussalam. The research methodology employs a comprehensive and dependable descriptive approach, utilising a content analysis framework grounded in established sustainable practices and prior studies. This led to an extensive examination of 302 elements, encompassing environmental, socioeconomic, governance, and sharia compliance dimensions. The findings indicate that all three Islamic banks exhibit a commendable level of transparency and are dedicated to adopting sustainable practices. This signifies substantial transparency regarding governance and minimal disclosure concerning sharia compliance, reflecting the ethical identity of the IBs. Bank Syariah Indonesia has the highest degree of disclosure among all sampled banks. This study examines ESG disclosure in Islamic banks and paves the way for future research to broaden its coverage by include more factors. This may result in a more thorough investigation and further insights in the domain. The study's conclusions and suggestions could substantially influence Islamic banks, regulators, and other stakeholders.
Empowering the food sector: A cooperative-based business partnership model at Al-Ittifaq Islamic Boarding School, Bandung Rahman, Dwinda; Baga, Lukman Mohammad; Asikin , Zenal
al-Uqud : Journal of Islamic Economics Vol. 9 No. 1 (2025): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v9n1.p1-17

Abstract

Farmer institutions have been unable to improve farmer production and welfare. Modern cooperatives are increasingly recognized for their good impact on farmers' well-being. This study seeks to identify critical success criteria for modern cooperatives, examine the performance of the Al Ittifaq Islamic Boarding School Cooperative (Kopontren), and investigate the responsibilities of stakeholders in their partnership value chain. This study also looks at the influence of these partnerships on farmer well-being and proposes an inclusive, sustainable food sector partnership model based on cooperatives. Data were acquired using qualitative descriptive methods, including narrative literature reviews, benchmarking, and in-depth interviews. The value chain analysis identified four major pillars of modern cooperatives: governance, economy, social, and environmental. Al Ittifaq Kopontren received a checklist rating of 0.66, indicating that it is good. Farmer incomes increased by 6-55% in 2023 compared to 2022, demonstrating the effectiveness of cooperative business partnerships in raising revenue. Future success necessitates the implementation of an inclusive, long-term partnership model involving strong institutions, research bodies, sustainable standards, and export-oriented and downstream product development.
Is Sharia peer-to-peer lending in Indonesia accountable and transparent? Indrarini, Rachma; Samsuri, Andriani; Syam, Nur; Room Fitrianto, Achmad; Zulfa, Indana
al-Uqud : Journal of Islamic Economics Vol. 9 No. 1 (2025): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v9n1.p96-109

Abstract

Financial technology is developing in Indonesia, especially in peer-to-peer landing. Based on data from the Indonesia Authority of Financial Service (OJK), there are 102 peer-to-peer lending institutions in Indonesia with 8 of them using the Sharia system. Every Sharia-based transaction must ensure its accountability not only to the public but also to God. Accountability can be seen in the financial statements and annual reports were transparent and accountable. This study aims to see the transparency and accountability of peer-to-peer lending in Indonesia. This study used a qualitative phenomenological approach to observe the problem. The results showed that not all peer-to-peer lending sharia in Indonesia is transparent and accountable. Only three out of eight peer-to-peer landings are transparent and accountable.
Revisiting zakat distribution in the modern era: Toward a reconstructed model Aziz, Abdul; Faruk, Faruk
al-Uqud : Journal of Islamic Economics Vol. 9 No. 1 (2025): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v9n1.p47-59

Abstract

The distribution of charity to mustahik (zakat recipients) initially followed a personal and traditional consumer-based model, typically through the direct provision of daily necessities in the form of wealth donations. Most scholars emphasize the requirement of tamlik (transfer of ownership) when distributing zakat. In the contemporary era, BAZ (Badan Amil Zakat) and LAZ (Lembaga Amil Zakat) evolved their distribution methods through programs that include not only the transfer of wealth but also non-material forms, such as education, healthcare, empowerment, and social or da'wah initiatives. This study employs a qualitative case study approach, aiming to examine the reconstruction of charity distribution comprehensively and deeply from the perspective of contemporary Islamic law and social change. The research findings indicate a shift in distribution patterns from traditional consumer models to more creative and productive models. These are implemented through various programs, including scholarship schemes, health services, and economic empowerment initiatives. Additionally, the scope of Sabilillah beneficiaries has expanded to include incentives for TPQ (Qur'anic education) teachers, Qur'an memorizers, and training for future preachers. These transformations reflect an effort to adapt zakat distribution to current societal needs through a process of accommodation.
Leveraging halal certification for gastronomy tourism strategy Fawa’id, Muhamad Wildan; Faiza, Nurlaili Adkhi Rizfa; Abarahan, Amnisuhailah
al-Uqud : Journal of Islamic Economics Vol. 9 No. 1 (2025): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v9n1.p33-46

Abstract

Gastronomy tourism is one of the fastest-growing sectors in the global travel industry, introducing Muslim tourists to local cuisine prepared with halal ingredients. This study employs a grounded research method—the first and only one to explore the implementation of halal certification—and then applies a SWOT analysis to determine the most effective strategies for supporting halal gastronomy tourism. The findings indicate that the Halal Certification for Original MSME Products in Kediri City (PUSAKA) benefits from strong government support, business owner awareness, and the availability of facilitators to assist with the certification process. However, challenges include limited free certification quotas, administrative constraints, and insufficient capital. Opportunities arise from the growth of halal tourism, national support, and increasing demand for halal products. Meanwhile, threats stem from competition with other regions, potential certification costs in the future, and the risk of inconsistent product quality. To address these challenges, recommended strategies include administrative support, collaborative promotion, and a focus on product quality. The government's approach involves offering free halal certification programs and awareness campaigns to enhance MSMEs' preparedness. Additionally, facilitators provide administrative and technical guidance, while collaboration efforts promote halal-certified products in both domestic and international tourist markets. MSMEs are also encouraged to maintain the quality and consistency of their halal-certified products.
Faith, finance, and fintech: Unraveling the drivers of student consumptive behavior through lifestyle Saputra, Apriyan; Rafidah, Rafidah; Apriani, Alfia
al-Uqud : Journal of Islamic Economics Vol. 9 No. 1 (2025): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v9n1.p60-85

Abstract

Various factors—including digital payment usage, financial literacy, religiosity, and lifestyle—influence consumptive behavior. This study investigates the impact of digital payments, Sharia financial literacy, and religiosity on the consumptive behavior of students at UIN Sultan Thaha Saifuddin Jambi, with lifestyle acting as a mediating variable. The research utilizes descriptive statistical analysis and Structural Equation Modeling with Partial Least Squares (SEM-PLS). The study population consists of 19,307 active students enrolled at UIN Sultan Thaha Saifuddin Jambi during the odd semester of the 2024/2025 academic year. The sample size was determined using Hair’s formula, and data were collected through proportionate stratified random sampling and purposive sampling techniques. The findings indicate that digital payments have a positive and significant effect on both lifestyle and consumptive behavior. Lifestyle, in turn, positively and significantly influences consumptive behavior. Sharia financial literacy has a positive and significant effect on lifestyle but a negative and significant effect on consumptive behavior. Religiosity positively and significantly affects both lifestyle and consumptive behavior. Furthermore, digital payments, Sharia financial literacy, and religiosity exert a positive and significant indirect influence on consumptive behavior through lifestyle as a mediating variable..
Ashabiyyah and poverty alleviation: Insights from Minang, Aceh, and Batak communities in North Sumatra Hasibuan, Mhd Zulkifli; Chuzaimah Batubara; Muhammad Arif
al-Uqud : Journal of Islamic Economics Vol. 9 No. 1 (2025): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v9n1.p86-95

Abstract

This research explores multiple dimensions of poverty, highlighting key contributing factors such as economic conditions, inadequate wages, demographic influences, and limited market opportunities. A central finding reveals how Acehnese communities address poverty by developing micro, small, and medium enterprises (MSMEs) as productive economic units. Cultural approaches play a significant role, with different ethnic groups in Indonesia adopting distinct strategies: the Acehnese emphasize family-based support, the Minang prioritize cooperation, and Batak communities value wealth, lineage, and honor. The study underscores the importance of collaborative efforts between the government, society, and family networks in poverty alleviation, placing particular emphasis on familial economic support and mutual assistance.
Utilization of technology as a strategic tool for developing BPRS in North Sumatra in the digital era Yanti, Tri Auri; Sugianto, Sugianto; Ramadhan, Muhammad; Yafiz, Muhammad
al-Uqud : Journal of Islamic Economics Vol. 9 No. 1 (2025): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v9n1.p110-127

Abstract

This study examines the use of technology as a development strategy for Islamic Rural Banks (BPRS) in North Sumatra in the context of the digital era. Employing a qualitative approach, it explores the adoption of digital tools—including mobile banking, management information systems, and digital payment platforms—by six BPRS operating in the region. The findings reveal that while several BPRS have initiated digital transformation through the implementation of mobile banking applications, digital risk management systems, and integration with Islamic fintech, the extent of adoption varies significantly, largely influenced by each bank’s financial capacity and strategic orientation. Other institutions remain in the early stages of digital development. Despite these initial efforts, major challenges persist, including inadequate technological infrastructure, limited capital, and a shortage of skilled human resources. Furthermore, collaboration with fintech companies and the application of digital marketing strategies remain underutilized. This study underscores the need to strengthen technological infrastructure, enhance capital capacity, and invest in human resource development to improve the competitiveness of BPRS in an increasingly competitive Islamic finance landscape. The findings offer practical insights for BPRS management in formulating technology-driven development strategies and promoting financial literacy within North Sumatra's communities.

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