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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 205 Documents
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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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (507.885 KB) | DOI: 10.26740/aluqud.v7n1.p95-109

Abstract

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.
An effort to increase waqf intention: The role of celebrity endorsers in social campaigns Ratnasari, Ririn Tri; Timur, Yan Putra; Battour , Mohamed; Jamilu, Usman
al-Uqud : Journal of Islamic Economics Vol. 7 No. 2 (2023): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/aluqud.v7n2.p154-171

Abstract

The waqf is a fascinating research topic in Islamic economics (sharia). The massive potential for collecting waqf donations in Indonesia has yet to be maximised. Using celebrities as endorsers in waqf campaigns is one of the strategic solutions to increase people's intention to donate waqf. This study aims to identify the effect of the three attributes of celebrity endorsers on waqf intentions, with image and credibility as mediating variables. The research method used is quantitative, using SEM-PLS as an evaluation model. The respondents used were aged 17 years to> 65 years, with a total of 400 respondents. The variables of this study were measured using a 5-point Likert scale. This study concluded that all exogenous variables positively and significantly affected Nazhir's image and credibility. Likewise, the image and credibility variables of Nazhir are proven to positively and significantly affect the waqif's intention to donate waqf. In the IPMA analysis results, it was found that Nazhir's expertise and credibility were the variables with the highest level of importance and performance, in effect, the intention to donate. This research can be the basis for Nazhir's reference to being able to devise strategies for using celebrities as endorsers in supporting social campaigns by focusing on the expertise and knowledge of religion possessed by celebrity endorsers as the main criteria.
Board of directors' effectiveness and operational risk disclosure on Indonesian Islamic bank performance: The mediating effect of sharia supervisory board quality Yulianti, Yulianti; Haribowo, Ismawati
al-Uqud : Journal of Islamic Economics Vol. 8 No. 1 (2024): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/aluqud.v8n1.p1-13

Abstract

Islamic banks today offer several financial and investment options. Despite being designated as a "newcomer," Islamic banks in Indonesia are growing. Islamic banks in Indonesia require solid governance to boost their performance. This study investigates the effectiveness of the board of directors and the impact of operational risk disclosure on performance, using the Sharia supervisory board as a moderator. This study's population consists of Islamic banks in Indonesia that are listed on the Indonesia Stock Exchange between 2016 and 2020. This study uses the purposive sampling method. The criteria of sample selection is Islamic commercial banks in Indonesia publish yearly financial reports from 2016 to 2020 and have released financial statements using the rupiah currency unit. This study used a moderate regression test with the Minitab programme. This study result indicates that disclosing operational risk has a negative impact on performance. Furthermore, a skilled Sharia supervisory board can improve the disclosure of operational risk to the performance of Islamic banks.
Uncover the reasons behind customers' choice of Thailand Islamic banks Bakhri, Boy Syamsul; Ramli, Mona Fairuz bt; Wan Daud, Wan Mohd Nazri
al-Uqud : Journal of Islamic Economics Vol. 7 No. 2 (2023): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/aluqud.v7n2.p186-199

Abstract

Most religions in Thailand are Buddhists. However, Thailand has four provinces, most of which are Malays or Muslims. This study was motivated by the demographic background and curiosity about Islamic banking services in Thailand. This study examines customer knowledge of products and service facilities in Islamic banking, why customers choose Islamic banks, and why customers use both types of bank (Islamic and conventional banking). This study was a field research using a survey technique to collect data. The population in Thailand is an Islamic bank. The data analysis technique used descriptive statistics with frequency distribution. The study results found that many Islamic bank customers still need to learn about Islamic bank products, such as musyarakah products, mudharabah products, ijarah products, and rahn services. Customers choose Islamic banks primarily for religious reasons, while ease of access to more branches is the main reason for using Islamic and conventional banks. Customers expressed satisfaction with the services provided by Islamic banks, particularly the name and image of the bank, the friendliness and skills of its employees, the confidentiality of customer data, and the variety of facilities offered by the bank. Banks need to improve their services and add touchpoints so that Muslim customers can use Islamic banks and leave conventional banks. In addition, banks are advised to continue educating consumers to understand the importance of Islamic banking, according to Sharia.
Tourists' perceptions of the religious tourism quality services: Gap Analysis Approach Syarifudin, Efi; Anam , Khaerul
al-Uqud : Journal of Islamic Economics Vol. 7 No. 2 (2023): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/aluqud.v7n2.p229-242

Abstract

This study aims to determine and analyze the perception of Muslim tourists on the services provided by the management of religious tourism, as well as what service indicators should be the main priority and maintained in providing full service to tourists. Importance and Performance Analysis (IPA) is the quantitative analysis approach used in this study. This analysis finds that tourist perceptions and preferences have an average degree of fit at 96%, indicating that the level of satisfaction with the quality of religious tourism services is relatively high. Furthermore, based on the study of the Cartesian diagram, two indicators demand more attention due to poor performance, i.e., (a) officers' response to tourist needs and (b) their competency to carry out their duties properly. Generally, visitors have given positive feedback, so management must maintain facilities and services.
Creative economy development strategy in eco-print industry: SOAR Analysis and Sharia Perspective Hapsari, Mega Tunjung; Adibah, Ayuk Wahdanfiari
al-Uqud : Journal of Islamic Economics Vol. 7 No. 2 (2023): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/aluqud.v7n2.p217-228

Abstract

This research aims to develop a creative economy eco-print in Kediri Residency through SOAR analysis and sharia perspectives. This study used qualitative methods. Primary data was obtained from interviews with eco-printers, and secondary data from documents and internet sources. The analysis technique uses an interactive model that describes the overall field research process. The results of the SOAR analysis in the study show that the strength of the eco-print industry in Kediri Residency lies in the availability of raw materials, product quality, and relatively affordable prices. In terms of opportunities, it can open employment opportunities and potential markets from within and outside the country. The aspirations indicate the need for product development from professional institutions and collaboration. The research results are business development, increased sales, and eco-friendly lifestyle trends. In the analysis of the Sharia perspective, it can be concluded that the eco-print business has implemented the principles of Tauhid (rest at prayer times), 'adl (wages according to working hours, bonuses according to sales), Khilafah (basic principles of Islamic financial accounting), Nubuwwah (wisdom, responsibility, communication, and marketing), and Ma'ad (quality of raw materials and product innovation). This research implies that using Islamic values in business can help SMEs increase their productivity, which will ultimately positively impact SME performance and the development of the creative economy.
Indonesian islamic bank return on assets analysis: Moderating effect of musyarakah financing Rafidah, Rafidah
al-Uqud : Journal of Islamic Economics Vol. 7 No. 2 (2023): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/aluqud.v7n2.p200-216

Abstract

This study aims to determine the effect of third-party funds, non-performing financing, and financing on the deposit ratio of ROA using musyarakah financing as an intervening variable. The method used was path analysis with financial statements of Islamic banks in Indonesia for five years, from 2016 to 2021. The results show that third-party funds and financing on the deposit ratio positively and significantly affect musyarakah financing. Non-performing financing has a positive, but insignificant, effect. Third-party funds and musyarakah financing have a positive and significant effect on return on assets, and non-performing financing and financing on the deposit ratio are negative and significant. Additional findings from this study indirectly indicate that third-party funds, non-performing financing, and financing on deposit ratio through musyarakah financing are not significant for return on assets. Musyarakah financing is not an intervening variable that can indirectly affect ROA. Therefore, Islamic banks must increase third-party funds, financing on deposit ratios, and musharaka financing, and reduce non-performing financing. Based on this research, Islamic banks should continue to increase third-party funds, increase musyarakah financing from existing funds, and maintain non-performing financing for musyarakah financing so that financing problems do not occur. Third-party funds obtained from customers should also be allocated to other financing sources, such as mudharabah and murabahah, as well as investments elsewhere.
Improving job performance in Islamic Universities through Islamic work ethics, spiritual values, and organisational commitment Hulaify, Akhmad; Al Hadi, M. Qoshid; Affandi, Muchammad Taufik
al-Uqud : Journal of Islamic Economics Vol. 8 No. 1 (2024): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/aluqud.v8n1.p14-28

Abstract

According to organisational equilibrium theory, this research examines the role of organisational commitments in mediating Islamic work ethics and spiritual values on job performance in Islamic universities. This research used a sample frame of 93 lecturers from Islamic universities in Banjarmasin. Furthermore, the hypotheses were examined using SmartPLS version 3. The findings showed that organisational commitment successfully mediates the relationship between Islamic work ethic and spiritual values toward job performance. This result provides a better understanding of how the human resources department can explore motivation techniques to improve organisational outcomes, particularly organisational commitment. This research offers a significant advancement for organisational commitment research. This finding also attempts to make Islamic universities that encourage and manage their lecturers' performance becomes competitive universities in managing organisational culture.
Factors affecting solvability analysis of Indonesian sharia life insurance companies Puspitasari, Novi; Hidayat, Sutan Emir; Nurhayati, Nurhayati; Hasanah, Shofiatul
al-Uqud : Journal of Islamic Economics Vol. 7 No. 2 (2023): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/aluqud.v7n2.p172-185

Abstract

Examining and analyzing the impact of premiums, claims, investment returns, reinsurance, and underwriting on the solvency of Islamic life insurance firms in Indonesia is the goal of this study, with firm size as the control variable. In this study, the entire population serves as the total sample. The sampling method is saturation sampling of 15 companies, and the research range is from 2016 to 2020, with a total of 75 observations. The analytical method uses multiple linear regression analyses: premiums, investment returns, and underwriting impact solvency and support resource-based theory. However, regarding the impact of Claims, Reinsurance, and control variables, namely, The level of solvency is not significantly impacted by the size of the company; it is contrary to Resource Based Theory. This is rationally found in the Islamic insurance business model, which is different from the conventional insurance business model so that the solvency of Islamic insurance is not affected by claims, reinsurance, and company size.
Shopee seller marketing strategy in the perspective of Islamic marketing ethics Rosyada, Mohammad; Palupi, Yuniarsih Endah; Tamamudin, Tamamudin
al-Uqud : Journal of Islamic Economics Vol. 7 No. 2 (2023): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/aluqud.v7n2.p259-277

Abstract

This study aims to discuss the marketing strategies of Shopee sellers from the perspective of Islamic marketing ethics. This study uses descriptive qualitative research methods using primary data and secondary data. Data collection techniques are interviews, observations, and documentation conducted with 20 informants of 10 buyers and 10 sellers at Shopee. Promotions attract the attention of Generation Z are attractive product displays, discounts, free shipping, and viewing reviews or ratings of the products they want to buy. From the seller's side, in implementing their marketing strategy, they use the marketing mix concept, namely 4P (product, price, place, promotion), based on what Rasulullah SAW exemplified as a Muslim entrepreneur. That is, the business philosophy built by the owner is based on profit-oriented Sharia business and blessings. The Shopee sellers who became informants in this study were following the theories and concepts of Islamic marketing ethics and had implemented Islamic content consisting of three main things: first, the application of Islamic marketing characteristics; second, the application of Islamic business ethics; third, following the marketing practices of the Prophet Muhammad SAW based on the characteristics of the Prophet Muhammad, namely: Siddiq, Amanah, Fathanah, and Tabligh.

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