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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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Understanding zakat payments in Indonesia: A psychological perspective on muzakki behaviour Julita, Julita; Soemitra, Andri; Marliyah
al-Uqud : Journal of Islamic Economics Vol. 8 No. 2 (2024): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v8n2.p271-286

Abstract

The muzakki decision to pay zakat is influenced by behavioural finance, which considers psychological factors like emotions and beliefs. This research aims to establish a model for zakat payments that incorporates perceptions, financial behaviours, and religiosity among muzakki. This research analyses and evaluates what a practical and relevant model to be used by muzakki in behavioural finance-based zakat payment decisions in zakat management organisation, having good perceptions, financial behaviour, psychology, emotions, and religiosity, as well as a commitment to zakat payments in zakat management organisation is. His research indicates that money's psychology (X1) influences Muzakki's decision to pay zakat in behavioural finance. Perception (X2) and external locus of control (X3) do not affect this decision. The emotional quotient (Z) significantly impacts Muzakki's zakat decisions and moderates the psychology of money (X1) on these decisions. However, it does not moderate Perception (X2) about zakat payments. Lastly, the emotional quotient (Z) moderates the external locus of control (X3), affecting Muzakki's decision to pay zakat at management organisations in behavioural finance. Zakat management organisations can effectively tailor their strategies to align with behavioural finance principles, addressing the psychological and emotional factors driving Muzakki's decisions.
Enhancing human resource development as a strategic imperative for halal certification in food MSMEs Harahap, Ade Khadijatul Z; Ramadhan, Muhammad; Harahap, Isnaini
al-Uqud : Journal of Islamic Economics Vol. 8 No. 2 (2024): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v8n2.p227-238

Abstract

This study examines the challenges, solutions, and strategies related to human resource (HR) development in food MSMEs to obtain halal certification, particularly in regions such as North Sumatra, Padangsidimpuan City, South Tapanuli Regency, and Mandailing Natal Regency, where the number of halal-certified MSMEs remains limited. Despite having a large Muslim population, MSMEs in these areas face difficulties in tapping into the halal industry. The study identifies three main issues: limited HR capacity, low-quality HR, and lack of experience. Using the Analytic Network Process (ANP) method, the findings reveal that HR development through training and education is the most effective solution, although the level of agreement among informants is moderate. Additionally, the study proposes key strategies to address these challenges, including improving technical skills and fostering attitudes, work ethics, and knowledge, with a high level of agreement on these priorities.
Improving digital payment system services: The impact of e-service quality and e-Loyalty on user preferences Soma, AM; Wati, Ina Kartika; Ispriyahadi, Heri
al-Uqud : Journal of Islamic Economics Vol. 8 No. 2 (2024): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v8n2.p302-313

Abstract

This research aims to provide deeper insights into user preferences and the factors influencing their choices in using Digital Payment Systems, particularly in the context of the DANA e-wallet as an alternative to BI-Fast during service improvement periods. The study focuses on key variables such as E-System Quality and E-Loyalty. The findings indicate that the constructs of E-Loyalty and E-Service Quality demonstrate high levels of validity and reliability, and there exists a significant relationship between electronic service quality and electronic loyalty. Data analysis also identifies specific dimensions of DANA e-wallet service quality that have a significant impact on user preferences and loyalty levels. Factors such as compensation, ease of link access, and ease of contacting customer service are aspects that need attention to enhance service quality. Thus, the research conclusion provides valuable guidance for other Digital Payment Systems owners or managers to improve their service quality and strengthen customer relationships, akin to what is done by DANA e-wallet. These findings offer valuable guidance for other e-wallet owners or managers to enhance their service quality, focusing on aspects such as compensation, link access convenience, and ease of contacting customer service. The importance of improving electronic service quality to achieve higher customer loyalty should be emphasized by stakeholders in the digital payment industry, with specific steps that can be taken based on these findings to strengthen customer relationships and maintain competitive advantages.
Unpacking the drivers of service performance: How workload, compensation, and competence influence outcomes through employee satisfaction Farida, Ida; Soma, AM; Mulyanti, Rita Yuni
al-Uqud : Journal of Islamic Economics Vol. 8 No. 2 (2024): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v8n2.p255-270

Abstract

Hospitals must provide exemplary care to patients, with improvements in service standards closely linked to enhanced work quality by medical staff. Effective human resources are essential to healthcare initiatives, especially in the context of services offered to participants of Indonesia's National Health Insurance (BPJS Kesehatan). Despite the government’s commitment to ensuring equal treatment for all patients, discrepancies in the care provided to BPJS and non-BPJS patients persist. Moreover, the high volume of BPJS patients has intensified the workload for healthcare workers, contributing to potential fatigue and burnout. This study, using a quantitative approach and Partial Least Squares (PLS) analysis, investigates how workload, compensation, and competence influence service performance at Harapan Jayakarta Hospital in Jakarta, with employee satisfaction serving as a mediating variable. The findings reveal that both workload and compensation significantly impact service performance. Additionally, compensation and competence are key factors in the mediation of employee satisfaction, while all three variables—workload, compensation, and competence—collectively affect service performance at the hospital. These results underscore the importance of addressing workload and compensation issues to enhance service quality and overall employee well-being in healthcare settings.
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.
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.

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