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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 6 Documents
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Search results for , issue "Vol. 9 No. 2 (2025): July" : 6 Documents clear
The present state of Shariah governance of Islamic banks in Bangladesh: an overview Alam, Md. Kausar; Ahmad, Abu Umar Faruq
al-Uqud : Journal of Islamic Economics Vol. 9 No. 2 (2025): July
Publisher : Universitas Negeri Surabaya

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Abstract

This review aims to explore the Shariah governance (SG) scenario of Islamic banks (IBs) in Bangladesh. The review finds that Bangladesh has a lacking of comprehensive SG guidelines, and Islamic banks are practicing guidelines developed by their own. As a result, their SG practices are diversified and create confusion among the stakeholders. Thus, this review overlooked the SG, and summarized the Centralized Shariah Governance Framework (CSGF) and Shariah Secretariat (SR) for the development of existing practices. If the regulatory authorities implement these frameworks within the central bank and Islamic banks, the scenario of SG will be improvized and enhance the trust of stakeholders.
When faith meets choice: Brand awareness, trust, and consumer preferences toward Muhammadiyah products Berkah, Dian; Hakim, M. Hanifuddin; Ridho Saputro, Andre; Bustami, Mohammad Reevany
al-Uqud : Journal of Islamic Economics Vol. 9 No. 2 (2025): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v9n2.p128-142

Abstract

Muhammadiyah, one of Indonesia’s largest Islamic organizations, is renowned for its contributions to religion, education, healthcare, social welfare, and the economy. Through its business entities, Muhammadiyah offers products and services grounded in Islamic values, catering to both its members and the broader public. In East Java’s increasingly competitive market, understanding the factors that shape consumer trust in Muhammadiyah’s products is essential. This study examines the impact of brand awareness, service quality, promotions, location, satisfaction, and pricing on consumer trust, and how trust, in turn, influences purchasing decisions. Using Structural Equation Modeling–Partial Least Squares (SEM-PLS), the results indicate that service quality, brand awareness, and location significantly affect consumer trust, with service quality emerging as the most influential factor. Notably, location exerts a negative effect, suggesting the presence of localized consumer perceptions. Consumer trust is found to significantly mediate purchasing decisions. The model demonstrates solid explanatory power, with R² values of 0.543 for trust and 0.293 for purchasing decisions, and a Goodness of Fit (GoF) score of 0.562. These findings imply that Muhammadiyah should prioritize enhancing service quality, bolstering brand awareness, and reevaluating its location strategies to strengthen consumer relationships and maintain market competitiveness.
Managing customer service through artificial intelligence-driven chatbot systems in Islamic Banking institutions Wahyuni, Eka Sri; Yuningsih, Ayu; Arisandy, Yosy
al-Uqud : Journal of Islamic Economics Vol. 9 No. 2 (2025): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v9n2.p143-151

Abstract

This study examines the implementation of chatbots in Bank Syariah Indonesia (BSI) to enhance customer service in the Islamic banking sector. This study used a literature review in collecting and analyzing the secondary data in the form of papers downloaded from Google Scholar, Scispace, DOAJ, and Scopus websites. There were 26 papers gathered as samples of this study from 2015-2024. The data were analyzed through systematic data reduction, presentation, and conclusion-drawing. The findings show that deploying chatbots can significantly improve service delivery by reducing operational workloads through quick replies to repetitive customer inquiries. Chatbots serve as an innovative solution that handles routine questions swiftly, thereby increasing efficiency and allowing staff to focus on more complex tasks. Their continuous, round-the-clock availability further enhances customer engagement and experience by providing immediate assistance at any time, eliminating extended waiting times for information. Additionally, the chatbot’s ability to interpret customer interactions provides valuable insights into customer behavior and preferences. Such insights enable BSI to better understand about customer needs and identify usage patterns of Sharia-compliant banking products. However, the implementation of chatbots in Islamic banking also requires careful consideration of Islamic ethics. The development of AI must integrate maqasid al-shariah values such as justice, transparency, and data protection to ensure alignment between technological efficiency and Shariah principles.
Psychosocial Strains and Default Behavior in Islamic Fintech: An Urban-Rural GST Perspective Yudha, Ana Toni Roby Candra; Haryono, Slamet; Ardiansyah, Misnen
al-Uqud : Journal of Islamic Economics Vol. 9 No. 2 (2025): July
Publisher : Universitas Negeri Surabaya

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Abstract

This study explores the psychosocial drivers of loan default among Millennials and Gen Z users of Islamic fintech microfinance in Indonesia, using General Strain Theory (GST) to compare urban and rural contexts. Data from 307 respondents were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The findings reveal significant differences: in urban areas, default intention is shaped by social difficulties, inferiority feelings, life dissatisfaction, loneliness, and weakened moral norms, while in rural settings, loneliness is the sole significant factor. Economic pressure was not a dominant predictor, highlighting the greater role of psychosocial strain. These insights suggest that fintech companies should enhance credit risk models by integrating social and psychological indicators. Interventions such as financial literacy, moral education, and community-based support are crucial, especially for rural users facing social isolation. The study contributes a novel integration of GST within the context of Islamic fintech, offering both theoretical depth and practical guidance for inclusive and ethical fintech development.
Strategy for increasing the market share of Islamic Banks in Indonesia through Third-party fundraising and financing Rahima Kumala; Nurhayati; Muhammad Yafiz
al-Uqud : Journal of Islamic Economics Vol. 9 No. 2 (2025): July
Publisher : Universitas Negeri Surabaya

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Abstract

This research aims to formulate strategies to increase the market share of Islamic banks in Indonesia through the optimization of Third Party Funds (DPK) and financing, which are the main internal factors supporting the growth of Islamic banking. Based on the background, the low market share of Islamic banks is caused by several main issues, such as limited technology, low product innovation, lack of Islamic financial literacy, and suboptimal data protection. This research uses the Analytic Network Process (ANP) method, which involves expert respondents from regulators, academics, practitioners, and the community. Data collection was conducted through in-depth interviews, questionnaires, and analysis using Super Decision software. The research results indicate that priority solutions to increase market share include technological updates, enhanced literacy through education and collaboration between institutions, as well as synergy among stakeholders. The main strategies proposed include strengthening synergy and collaboration, enhancing technological innovation, and expanding sharia financial literacy. This research makes a significant contribution in identifying problems, solutions, and relevant strategies to support the development of Islamic banking in Indonesia. The results are expected to serve as a reference for regulators, Islamic banking, academics, and the community in promoting the sustainable growth of the Islamic finance industry.
The role of augmented reality in halal beauty shopping experience Mardhiyah, Dien; Futuwwah, Ali Imaduddin; Susilowati, Fitriah Dwi; Osman, Syuhaily; Gozali, Nidia Artanti; Putri, Nadia Ramadhani Nugroho
al-Uqud : Journal of Islamic Economics Vol. 9 No. 2 (2025): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v9n2.p143-161

Abstract

Augmented Reality (AR) is rapidly evolving and being integrated into various business sectors, including the halal cosmetics industry. Additionally, AR helps prevent contamination from non-halal ingredients and reduces the spread of diseases associated with shared testers. Despite these advantages, consumer adoption of AR in online cosmetic selection remains low. Many shoppers still cannot use AR, despite its vividness, interactivity, and customizable features, which can significantly enhance product exploration and foster a positive perception of the technology. This study investigates the key factors influencing consumers' intentions to use AR when purchasing halal cosmetics, employing the SOR theory as a framework. Through a quantitative approach and SEM-PLS analysis, the findings reveal that AR attributes play a crucial role in creating a more immersive and compelling halal shopping experience. These insights offer valuable guidance for businesses seeking to develop AR-driven marketing strategies—an approach that remains underutilized in the halal cosmetics industry. By leveraging AR technology, companies can bridge the gap between online and offline shopping, enhance consumer confidence, and drive greater engagement in the halal beauty market.

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