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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.

Arjuna Subject : -

Articles 205 Documents

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Malay's perception of Islamic banking credibility Huzaimah Huzaimah; Romli Romli; Maya Panorama
al-Uqud : Journal of Islamic Economics Vol. 6 No. 2 (2022): July
Publisher : Universitas Negeri Surabaya

This study aims to analyze the perceptions and preferences of the Malay community towards Islamic banking and examine the opportunities and challenges of Islamic banking in maintaining its credibility. This research method is carried out with a quantitative descriptive approach through a survey of 100 respondents. The sampling technique used was accidental sampling through the distribution of google forms. The study results indicate that the development of the number of customers of Islamic banks has indeed increased. However, compared to conventional banks, it still dominates the number of customers who save in conventional banks even though the Malay community, which is predominantly Muslim, should be the dominant interest in Islamic banks. There are various perceptions of the Malay community towards Islamic banking. Some Malay people think that Islamic banks are stated in a profit-sharing manner the same as conventional banks, with the term interest only differing in mentioning term. Due to the lack of promotion, many Malay people still use conventional banks for economic transactions. Human resources management influences the perception of the Malay community towards Islamic banking.

The right to choose (Khiyar) innovation for contemporary transaction in e-commerce marketplace Windiana Lorien; Rahmad Hakim; Arif Luqman Hakim
al-Uqud : Journal of Islamic Economics Vol. 6 No. 2 (2022): July
Publisher : Universitas Negeri Surabaya

This study aims to analyze and compare the implementation of khiyar in online transactions at Shopee, Tokopedia, and Bukalapak. This type of research is a comparative study with a qualitative approach in comparing the implementation of khiyar at Shopee, Tokopedia and Bukalapak. This study uses primary data sources and secondary data sources, with data collection techniques in the form interviews and documentation. Data analysis in this study uses data analysis model of Miles, Huberman and Saldana. The results found that There are similarities transaction procedure that applies in the three marketplaces which are two types of khiyar applied, namely khiyar 'aib and khiyar ru'yah. Based on experienced transaction process carried out by sellers at Shopee, Tokopedia and Bukalapak, it was known that there are four sellers who both apply khiyar 'aib, while the application of khiyar aib was only applied by buyer at Tokopedia. On the other hand, khiyar ru'yah was not applied by buyers at Bukalapak but it was only applied by one buyer at Shopee and Tokopedia.

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.

Motivation to paying Zakat: The role of religiosity, Zakat literacy, and government regulations Muhammad Syauqi; Muslich Anshori; Imron Mawardi
al-Uqud : Journal of Islamic Economics Vol. 6 No. 2 (2022): July
Publisher : Universitas Negeri Surabaya

Zakat as an instrument of poverty alleviation, is considered very effective in distributing welfare. However, the reported zakat receipts in Indonesia are still far from the estimated revenue potential. This research examined the factors that motivate the payment of zakat through an official national institution or organization. This quantitative research employed the explanatory method, with data analysis techniques comprising the partial test (t), stimulant test (F), and the coefficient of determination (R2). Subsequently, the results indicated that the factors of religiosity, zakat literacy and government regulations simultaneously affect the motivation to pay zakat through a management agency. Partially influencing factors were zakat literacy and government regulations, while religiosity had no effect.

Technology acceptance of zakat payment platform: An analysis of modified of unified theory of acceptance and use of technology Erwanda Nuryahya; A. Jajang W. Mahri; Aas Nurasyiah; Fitranty Adiresuty
al-Uqud : Journal of Islamic Economics Vol. 6 No. 1 (2022): January
Publisher : Universitas Negeri Surabaya

This study aimed to determine and analyse the factors that affect a zakat payer receiving and using the zakat platform to pay the zakat. A total of 264 self-administered questionnaires were distributed to respondents who have been paid zakat with the platform. The data were analysed using variance-based structural modelling (PLS-SEM) to examine the hypothesised relationships. The results show that performance expectations and social influence positively and significantly affect behavioural intentions. Facility conditions and behavioural intention have influenced positive and significant impacts on the behaviour of using the online zakat payment platform. Furthermore, this is caused by the trust of zakat payers against online zakat payment platforms that afford to pay zakat faster completion when compared to paying zakat offline. It is also supported by encouragement from the surrounding environment of zakat payers such as: family, work colleagues, community and charity organisations who use the online zakat payment platform.

Economic development on Madura Island through halal tourism: A business feasibility study Zakik Zakik; Ahmad Kamil; Alvin Sugeng Prasetyo; Muhamad Nafik Hadi Ryandono; Ida Wijayanti
al-Uqud : Journal of Islamic Economics Vol. 6 No. 2 (2022): July
Publisher : Universitas Negeri Surabaya

The main objective of this research is to analyze the business feasibility of a halal tourism destination in Madura, exclusively Lon Malang Beach. The analysis includes technical, social economic, and financial feasibility study. The financial analytical method used in this study is Investment Feasibility Analysis includes Payback Period (PP), Net Present Value (NPV), and Benefit Cost Ratio (BCR). The investment feasibility analysis is used to determine the level of return-on-investment alternatives, assess investment alternatives, and determine priorities for investment, thus avoiding investments that only waste resources. The measurement results show that the Payback Period (PP) is in the 9th year, which means that in 9 years, this project will have a return on investment. NPV values greater than 0 and BCR of more than 2 indicate that the Lon Malang tourism development project is feasible. This research is the first research to bring ideas about a feasibility study in halal tourism sectors. This research enriches the knowledge and research on feasibility studies of halal tourism sectors. This research is said to bring important information in decision-making, especially to improve the business and guide the decision-making of investors and government parties, especially in Madura Regency.

Ulema's Business Strategy in Indonesia: A Study Case Zainal Abidin; Ahmad Ajib Ridlwan
al-Uqud : Journal of Islamic Economics Vol. 5 No. 2 (2021): July
Publisher : Universitas Negeri Surabaya

The role of ulema in the life of the Madurese community is not only as a religious leader but also as an advisor in all aspects of life, e.g., marriage, childbirth, aqiqah, and death. In addition, ulema also plays a role in the development of community business, as has been done by several ulemas in Madura, such as one of the caregivers of the most prominent Islamic boarding school in Madura. This study aims to analyse the business strategy of Madurese ulama. It is qualitative research with in-depth interviews about the business strategy developed by ulema in Madura. Four Islamic boarding schools and ulema are the objects of this research, so this research concludes that the ulema in Madura do not have a specific business strategy. However, observing the business practices carried out by the Madurese ulama, the ulema has implemented a business strategy, namely a product differentiation strategy. Product differentiation strategy is a competitive strategy that refers to different customer perceptions of the same product. Thus, all business areas cultivated by ulema will be developed on the condition that they do not conflict with Islamic teachings.

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.

Page 16 of 21 | Total Record : 205

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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